Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

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MASTER SERVICES AGREEMENT

by and between

Pioneer Financial Services, Inc.

and

FIDELITY INFORMATION SERVICES, LLC

June 30, 2014

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

--------------------------------------------------------------------------------

This MASTER SERVICES AGREEMENT (“Agreement”) effective June 30, 2014 (“Effective
Date”) is made by and between Pioneer Financial Services, Inc., a Missouri
corporation with its principal place of business located at 4700 Belleview,
Suite 300, Kansas City, MO 64112 (“Client”) and FIDELITY INFORMATION SERVICES,
LLC, an Arkansas limited liability company located at 601 Riverside Avenue,
Jacksonville, FL 32204 (together with its Affiliates, “FIS”). In consideration
of the respective undertakings, promises and obligations upon the terms and
conditions stated herein, and such other good and valuable consideration the
receipt and sufficiency of which are hereby acknowledged, the parties agree as
follows:
1
SERVICES; STRUCTURE OF AGREEMENT; SCHEDULES; TERM.

1.1
This Agreement provides the general terms and conditions that will apply to the
services performed by FIS for Client hereunder (“Services”) and any work product
or other item, tangible or intangible, created, developed, generated or made by
FIS or provided by FIS to Client pursuant to the Services under a Schedule
(“Deliverables”). The Service-specific terms and conditions are those stated in
the applicable schedules hereunder (“Schedules”), together with the provisions
of this Agreement, govern the provision of the Services pursuant to such
Schedules. Each Schedule shall describe the Services, the period of time during
which the Services shall be provided, any Deliverables, and the fees to be paid
by Client for such Services and Deliverables. This Agreement consists of:
(i) the provisions set forth in this Agreement and in all Exhibits referenced
herein; (ii) each Schedule, including any exhibits, attachments or other
documents referenced in such Schedules; (iii) any statements of work describing
specific engagements for services to be provided as mutually agreed by the
signed parties (“Statements of Work” or “SOWs”); and (iv) any change orders
amending Schedules or SOWs by mutual agreement of the parties (“Change Orders”).

1.2
The Services and any Deliverables to be provided by FIS to Client are those
specifically described in Section 1.3 below and in the SOW and Schedules
incorporated hereunder by mutual agreement of the parties. FIS will be the sole
provider of the Services and any Deliverables to Client. Client shall not be
required to purchase, and FIS shall not be required to provide, any Services or
Deliverables not stated in a Schedule incorporated hereunder as of the Effective
Date or added subsequently by mutual agreement of the parties. Any change to
Services or Deliverables will only be effective and binding upon mutual
execution of a written Change Order referencing the applicable SOW or Schedule.

1.3
This Agreement is effective as of the Effective Date stated above, and shall
continue in full force and effect for so long as any SOW or Schedule hereunder
remains in effect by its terms, unless or until terminated by either party in
accordance with Article 10. Prior to the Services Effective Date defined in
Section 1.4 below, FIS will provide and Client will purchase and receive only
the following Services on the terms and conditions stated in the following
subsections:

1.3.1
Professional services for initial planning of a project that would establish a
new consumer lending platform as defined in SOW 01 – Implementation Services
(“SOW 01”);

1.3.2
Training services for Client’s employees as described in SOW 01 and provided
prior to the Services Effective Date; and

1.3.3
Such other services as FIS agrees to provide and Client agrees to purchase
during the time period prior to the Services Effective Date (defined in Section
1.4 below), mutually agreed in signed writing by the parties.

1.3.4
The Services described in this Section 1.3 shall be provided and paid for on a
time and materials basis in accordance with FIS’s discounted rate card fees,
which are shown in

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

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SOW 01. FIS will invoice and Client will pay FIS for the Services monthly in
arrears in accordance with the payment terms stated in Article 5 below; provided
however, that Section 5.2 shall not apply to the Services described in this
Section 1.3.
1.3.5
No hardware acquisition, customization, interfaces, or use rights for any live
production services, data usage, or any other subject matter of the SOW and
Schedules identified in Section 1.7 shall be included in the Services that are
subject to this Section 1.3.

1.3.6
Upon the Services Effective Date (defined in Section 1.4 below), FIS shall
credit the amount of fees for which Client has paid under this Section 1.3
toward the amounts due under SOW 01.

1.4
The SOW and Schedules identified in Section 1.7 below shall become effective
upon Client’s receipt of its lenders’ consent, as required pursuant to the
Senior Secured Lending Agreement, dated June 12, 2009, as amended, among Client,
UMB Bank, N.A., as Agent, and the other parties thereto, to consummate this
Agreement without change (the “Required Consent”). So long as Client receives
the Required Consent by July 31, 2014, or such later date as permitted hereunder
if applicable, the date of Client’s receipt of the Required Consent shall be the
“Services Effective Date”.

1.4.1
Client shall use its reasonable best efforts to obtain as promptly as
practicable the Required Consent. Client represents and warrants that the
Required Consent is the only matter upon which its consummation of the SOW and
Schedules identified in Section 1.7 below depends, and there are no other
consents, approvals and authorizations required in order for Client to
consummate the SOW and Schedules identified in Section 1.7 below and to comply
with its terms and conditions. Client shall keep FIS apprised of the status of
its request for the Required Consent.

1.4.2
Notwithstanding anything to the contrary stated in Article 10 below, if Client
does not receive the Required Consent by midnight Central Time on July 31, 2014,
then either party may by written notice to the other party terminate this
Agreement, only in whole and not in part, without further obligation or
liability for such termination. Provided further, that if the Required Consent
has not been received by Client by midnight Central Time on August 31, 2014, and
this Agreement has not been otherwise terminated by either party, then this
Agreement shall automatically expire. For the avoidance of doubt, Section 10.2
below shall not apply to any termination or expiration that occurs under this
subsection 1.4.

1.5
Each Schedule incorporated under this Agreement as of the Effective Date shall
remain in effect for a period of eighty-four (84) months from the date when all
the Services specified therein as of the Effective Date are first available for
Client’s production use (“Initial Term”). Any Schedule added by the parties
after the Effective Date shall have a term that is coterminous with the
remainder of this Initial Term. After the Initial Term, Client shall have the
option in its sole discretion, by notice given to FIS at least one hundred
eighty (180) days prior to the Initial Term’s expiration, to extend such
Schedules for an additional ***** time period (“Client-Elected Renewal Term”) on
the same terms and conditions, including with respect to fees subject to
adjustment pursuant to Section 5.5 of this Agreement, applicable to such
Schedules under this Agreement. Following the Initial Term or, if so elected by
Client, the Client-Elected Renewal Term, all the Schedules shall expire
automatically unless the parties agree to renew such Schedule(s) by a written
renewal amendment executed by both parties a minimum of one hundred eighty (180)
days prior to such expiration. The Initial Term, the Client-Elected Renewal Term
(if applicable), and any mutually agreed renewal terms are the “Term” of all
Schedules under this Agreement.

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

--------------------------------------------------------------------------------

1.6
Any new terms, conditions, responsibilities or delivery schedules that may be
specifically applicable to any particular Service, as they are negotiated
through the course of business, shall be set forth in writing and executed by
the parties and added to this Agreement as an amendment. Such action shall not
constitute a modification or change of any provision of this Agreement or of any
other provision of any other Exhibit, unless expressly stated in such written
agreement. Each of FIS and/or any of its Affiliates, all of which may be
referred to individually and collectively in this Agreement as “FIS”, may
provide Services or Deliverables under the terms and conditions set forth in
this Agreement, for which FIS will remain responsible to Client as if performed
by FIS itself and for which Client shall have exclusive recourse to FIS. For the
avoidance of doubt, any new solution or service added after the Effective Date
shall be coterminous with the Initial Term described in Section 1.4 above.

1.7
As of the Effective Date, this Agreement includes the following Schedules and
SOW:

SCHEDULE A – Origenate® and PortfolioRevue™ Services Schedule
SCHEDULE B – Biller Service Provider (BSP) Services Schedule
SCHEDULE C – Virtual Back-Office (VBO) with AutoSuite™ Services Schedule
SOW 01 – Implementation Services
            

2
GOVERNANCE.

2.1
Account Relationship Managers. Each party will designate one of its employees as
the primary liaison and point of contact with the other party for this Agreement
(each, an “Account Relationship Manager”). The Account Relationship Manager will
have primary focus and responsibility for the overall relationship. The Account
Relationship Manager shall be accessible, available and responsive and will
address all matters pertaining to the overall relationship under this Agreement
raised by the other party’s Account Relationship Manager in a timely fashion.
Either party may replace its respective Account Relationship Manager upon thirty
(30) days’ written notice to the other party.

2.2
Scope Changes. To the extent that Client or any of its agents directly or
indirectly (a) requests or requires a change of scope; (b) causes a delay in
Services or Deliverables; or (c) reprioritizes activities affecting the Services
or Deliverables, resulting in a changed scope of Services or Deliverables, then
FIS will not be obligated to provide new or additional Services or Deliverables
unless and until Client is obligated by a mutually agreed written Change Order
to pay for the new, changed or additional Services or Deliverables. Each change
request shall be made in writing reasonably describing the proposed change of
scope (“Change Request” or “CR”). No scope change shall take effect unless and
until both parties have agreed in signed writing that states the change and any
effects on timelines and/or pricing, with reference to this Agreement and, when
applicable, to the Schedule or the SOW under which the applicable Services
and/or Deliverables are being provided.

2.2.7
Change Control Process. The parties agree that any requested changes generated
under Section 2.2 above shall be reviewed by both parties and with mutual
agreement, implemented using the “Change Control Process” described in this
subsection 2.2.1. Changes to the original scope of work may be requested by
Client or FIS at any time using a formal CR. A CR can only be implemented as a
Change Order (as defined in Section 1.1 above) once mutually agreed and signed
by both FIS and Client. The following steps outline the workflow for the Change
Control Process:

2.2.7.1
The Change Control Process applies to any change that potentially materially
affects scope, baseline, objectives, budget,  schedule, implementation or

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

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deployment strategy, or content of key Deliverables. The impact of a CR can be
classified into the following two broad categories:
2.2.7.1.1
Impact of Change on Cost: Any changes might impact cost.

2.2.7.1.2
Impact of Change on Schedule: Any changes might impact the expected delivery
timeframe of an implementation, Deliverable, or other timeframes applicable to
Services.

2.2.7.2
FIS or Client may initiate a CR. The originator of the CR will specify the
nature and need of the requested change.

2.2.7.3
FIS will provide an estimate for implementing the CR in terms of both cost and
schedule. Each CR will be evaluated for its impacts on the scope, effort,
schedule, planned resources, quality, risk, and cost of the Services and/or
Deliverables, and the evaluation will be reviewed in a meeting between FIS and
Client.

2.2.8
Acquired Accounts. If Client or any Affiliate of Client acquires any accounts to
be held by Client (collectively, “Acquired Accounts”) that require services
substantially similar to Services provided under a Schedule or SOW ("Similar
Services"), such Acquired Accounts shall become subject to the terms of the
applicable Schedule or SOW in accordance with the following subsections:

2.2.8.1
If FIS is already providing the Similar Services for the Acquired Accounts, it
shall continue to do so pursuant to the pre-existing services agreement through
the expiration of its then-current term. Upon expiration of the pre-existing
services agreement, the Acquired Accounts shall be processed in accordance with
the terms of the relevant Schedule or SOW, as applicable. FIS shall not include
volumes from the Acquired Accounts in any volume-based pricing under a Schedule
or SOW until the pre-existing agreement terminates or expires.

2.2.8.2
If a third party is providing the Similar Services for the Acquired Accounts,
the parties shall negotiate any conversion of the Acquired Accounts to the
Services within a mutually agreed timeframe after such acquisition or, if the
Acquired Accounts are subject to a pre-existing agreement between Client and
such third party, upon the expiration of the then-remaining term of that
pre-existing third party agreement.

2.2.8.3
The amounts that Client shall pay FIS to perform the conversion of the Acquired
Accounts to the Services shall be at FIS’s then current rates, plus related
reasonable and actual travel, lodging and other travel-related expenses and
materials charges.

2.3
Premises Security. FIS will comply with Client’s applicable written safety,
security and facilities procedures and policies applicable generally to Client’s
employees, for Services performed on Client’s premises. Client agrees to give
FIS written notice of applicable policies and procedures upon FIS’s request.
Client will promptly notify FIS in writing of any changes in such policies and
procedures previously provided to FIS. Client will be responsible for compliance
by Client’s personnel with FIS’s standard safety, security and facilities
procedures and policies when on any premises or facilities of FIS.

2.4
Client Resources. During the Term, Client will provide the Client Resources (as
defined below) to the extent necessary for FIS’s use in providing the Services.
These may include, by way of example and not limitation, use of Client’s
software and/or Client-provided third-party software, adequate working
facilities, equipment, supplies, connectivity and/or consents to establishing
connectivity, consents and

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

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authorizations necessary for FIS’s Personnel to use any of the foregoing of at
least the same standard as those provided to the equivalent level of Client’s
employees, in addition to necessary computer time and other support
infrastructure to FIS (all the foregoing collectively, “Client Resources”).

2.4.1
Client shall provide FIS with reasonable and timely access to Client’s premises,
and Client shall make available to FIS such qualified Client subject-matter
experts or other Client personnel on such dedicated or other basis and for such
times as shall be reasonably necessary for the performance of FIS’s obligations
hereunder.

2.4.2
To the extent necessary for the performance of Services under any Schedule or
SOW, Client agrees to provide FIS with access to use and modify the Client’s
software and related documentation without payment of any software license or
maintenance fees in order to perform the Services or to take any other action
contemplated by this Agreement. If that such software contains any third party
software, Client shall at no cost or expense to FIS use commercially reasonable
efforts to procure from such third party its consent (if required) for FIS to
have access to use and modify such software.

2.5
Any matter that becomes a dispute not resolved in the normal course of the
governance relationship under this Article 2 shall be addressed through the
dispute resolution procedures of Article 9 (“Dispute Resolution”) below.

2.6
Business Continuity. FIS has established a business continuity plan in
accordance with Federal Financial Institutions Examination Council (“FFIEC”)
business continuity guidelines, which is designed to minimize risks associated
with a disaster that would affect FIS’s ability to provide Services to Client
under the applicable Schedules to this Agreement. Upon Client’s request, FIS
will make available to Client the then-current business continuity program
summary document that describes FIS’s recovery objectives under such plan. When
applicable to the Services under this Agreement, FIS will maintain adequate
backup procedures in order to recover Client’s data to the point of the last
available good backup, with a recovery objective as set forth in the business
continuity program summary document. FIS periodically tests its disaster
recovery and business continuity plan. Upon written request and subject to the
confidentiality provisions hereof, FIS will provide to Client a summary of its
disaster recovery plan and test results, excluding any proprietary information
or “Non-public Personal Information” under the Gramm-Leach-Bliley Act of 1999 or
its state law equivalents (“NPI”). Client authorizes FIS to provide Client’s
Service-related data to FIS’s external suppliers under confidentiality
obligations no less stringent than those of this Agreement, in order to test and
prepare for disaster recovery and business continuity, as well as provide
replacement services when applicable in the event of a disaster. Client is
responsible for adopting a disaster recovery plan relating to disasters
affecting Client’s facilities and for securing business interruption insurance
or other insurance necessary for Client’s protection. For purposes of
clarification, FIS’s undertakings of this Section 2.6 are not the same as, and
are not intended to provide or replace, any disaster recovery and/or business
continuity services Client self-provides or may elect to purchase, which if
purchased from FIS would only be under a mutually-agreed applicable Schedule or
SOW.

2.7
Quality Monitoring. If applicable to Services under this Agreement, telephone
communications between FIS and Client and/or Client’s Customers may be monitored
or recorded without further notice to Client from FIS, or with such additional
notice as may be required by applicable laws or regulations, in order to
maintain service quality. Client agrees that, as between Client and FIS, Client
retains the responsibility for compliance with any requirements of applicable
law or regulations regarding notices of such monitoring or recording; and
accordingly, Client will provide and agree to reasonable wording for FIS
personnel to utilize in giving any such notice which may be required to Client’s
Customers.

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

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2.8
Outsourcing Management; TSP Audit and Vendor Diligence Information. FIS will
cooperate with Client to meet its responsibilities to conduct diligence and
audit FIS as its third party technology service provider (“TSP”), as
contemplated by the FFIEC IT Examination Handbook and related guidelines (“TSP
Guidelines”). FIS will regularly make available audit reports and materials that
address Client’s vendor management and diligence requirements under the TSP
Guidelines. Specific information regarding the available materials meeting the
TSP Guidelines is available under the “Vendor Diligence and Audit Materials” or
“Vendor Management Resource Center” via the FIS Client Portal.

2.8.1
Vendor Diligence and Audit Materials. Through its FIS Client Portal and FIS
Governance Site, Client will have continuous electronic access to audit reports,
attestations, and other detailed information regarding FIS’s internal systems
testing and procedures, and FIS’s information security and data privacy
controls. These audit materials and attestation evidence FIS’s compliance with
all industry and regulatory standards and include recent independent audits
(such as SSAE 16’s), third party attestations and certifications (such as
AT101’s and PCI AOC’s), and detailed information and testing results regarding
physical, technical and administrative controls utilized by the Service business
lines within FIS and the security of Client’s Confidential Information.

2.8.2
Information Security and Risk Management In-Depth Conferences. Client may attend
any or all of the FIS In-Depth Conferences, which provide detailed audit
information and in-depth in-person discussions with FIS’s senior executive team
regarding FIS’s information security and risk management processes and system
testing results. The In-Depth Conferences provide Client with comprehensive
vendor diligence information, including (i) a thorough, interactive review of
FIS enterprise-wide security and system controls, and (ii) specific assessments
of industry standards and best practices for financial technology information
security and risk management. Currently, FIS offers four (4) In-Depth
Conferences each year, with clients attending a two-day event onsite at
different FIS facilities. Any required registration fees are paid by the Client.

2.8.3
Governmental Access. FIS shall permit governmental agencies that regulate Client
in connection with a Service performed by FIS to examine FIS’s books and records
to the same extent as if that Service was being performed by Client on its own
premises, subject to FIS’s confidentiality and security policies and procedures.

2.8.4
On-Site Audit Visit. In addition to the audit materials and meetings referred to
above, Client shall be entitled to conduct an onsite audit visit in accordance
with FIS’s then current On-site Audit Guidelines, which include the following:

2.8.4.1
Client may visit the FIS processing facility (or facilities) that provides
Services to Client once per calendar year, unless Client’s principal regulator
expressly requires more frequent visits, in which case the number of visits
shall meet the regulator’s requirements but shall otherwise comply with this
Section.

2.8.4.2
Requests for onsite audit visits shall be made in writing by Client at least
thirty (30) days in advance, and shall specify the scope of the information
sought and the specific purpose of the audit visit. Onsite audit visits shall be
conducted during normal business hours for the facility and shall be coordinated
with FIS so as to cause minimal disruption to FIS’s business operations.

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

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2.8.4.3
All onsite audit visits must be reasonable in scope and duration, shall not last
more than two (2) business days, and shall be conducted at the expense of the
auditing party. In addition, for each such audit, Client shall be billed *****
per audit.

2.8.4.4
The onsite audit visit shall be performed by Client’s employees, unless
otherwise permitted by FIS, it being understood that Client (and its
representatives) may be required to sign FIS’s nondisclosure and confidentiality
agreement in advance of performing any onsite audit visit.

2.8.4.5
FIS shall receive and be entitled to comment on any report prepared by or on
behalf of Client prior to that report being published or disseminated, which
publication or dissemination shall be done only pursuant to the confidentiality
provisions of this Agreement.

3
PERSONNEL.

3.1
Relationship Manager(s). Each party will designate one of its employees as the
primary liaison and point of contact with the other party for each of the
Services to be provided under a Schedule (each, a “Relationship Manager”). The
Relationship Manager will have primary responsibility for implementation,
operation, and coordination between the Parties with respect to the Services and
Deliverables under the Schedule. The Relationship Manager shall be accessible,
available and responsive and will address all matters pertaining to such
Services and Deliverables raised by the other party’s Relationship Manager in a
timely fashion. Either party may replace its respective Relationship Manager
upon thirty (30) days’ written notice to the other party.

3.2
Client Personnel. Client may utilize its employees for purposes of receiving and
using the Services (“Client’s Personnel”). Client shall be responsible to FIS
for all actions, errors and omissions of Client’s Personnel in all matters
relating in any way to this Agreement. Client shall be responsible to FIS for
any breach of this Agreement caused by any of Client’s Personnel to the same
extent as caused by Client. Client will provide access to Client Personnel
having applicable knowledge or subject-matter expertise as requested by FIS from
time to time.

3.3
FIS Personnel. FIS may, at its discretion, utilize the Services of Affiliates or
contractors to provide the Services under this Agreement. One or more Affiliates
may provide offshore resources for certain Services, provided that in the event
that any services that include direct interaction with any customer of Client,
including but not limited to call center services FIS will obtain Client’s prior
written consent. Such prior written consent shall be limited by the particular
services for which consent is given. In all events, FIS shall remain responsible
to Client for the Services provided by all its Affiliates or contractors, and
such Affiliates or contractors shall have entered into confidentiality
agreements or be otherwise bound by confidentiality obligations no less
protective of Client's Proprietary Information than those set forth in this
Agreement. Client agrees to look solely to FIS and not to any Affiliates or
contractors for satisfaction of any claims Client may have arising out of this
Agreement or the performance or non-performance of Services. However, if Client
contracts directly with a third party for any products or services, FIS shall
have no liability to Client for such third party’s products or services, even if
such products or services are necessary for Client to access, receive, or use
the Services or Deliverables hereunder.

3.4
Non-Solicitation. During the term of each Schedule and for a period of *****
after termination of such Schedule, neither party will directly or indirectly
solicit to employ or cause to be solicited for the purpose of employment, the
personnel of the other party, including FIS affiliates or subsidiaries, who have
been directly involved in the activities covered by such Schedule, unless the
other party has given its prior

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

--------------------------------------------------------------------------------

written consent as to such person(s) in each instance. Notwithstanding the
foregoing, Client and FIS understand and agree that the following shall not
constitute solicitation under this Section 3.4: employment solicitations
directed to the general public at large, including without limitation internet,
newspaper, radio and television advertisements. In any event, any direct or
indirect employment by a party of the other party’s personnel shall in no way
excuse it from continued compliance with Article 6 (Confidentiality
Obligations).

3.5
Independent Contractor Relationship. It is the parties’ intention that FIS be an
independent contractor under this Agreement. This Agreement will not be
construed as an agency, employment, partnership or joint venture relationship
between the parties. FIS acknowledges that its personnel are not eligible for
worker’s compensation or unemployment insurance benefits of Client by reason of
FIS’s engagement under this Agreement. Client will not have any right or
authority to direct or limit FIS’s personnel’s activities with respect to hours,
time off, training, vacation or activities of FIS on behalf of other persons.
Furthermore, except upon the prior written consent of Client, FIS will have no
authority to bind or commit Client in any manner. FIS will not represent to any
person that it is an agent, officer or employee of Client or, except as provided
in the preceding sentence, that it is otherwise authorized to bind Client to any
transaction. Notwithstanding the foregoing, Client agrees that it will timely
provide such authorizations and conditions as are necessary in order for FIS to
perform and provide the Services and Deliverables.

4
SCOPE OF USE RIGHTS.

4.1
Use by Client Affiliates. The Services in the Schedules identified in Section
1.7 above may be used by: (i) Affiliates of Client, and the term “Client’s
Personnel” shall also include the employees of Client’s Affiliate(s); and
(ii) on Client’s behalf and when applicable Client’s Affiliate’s behalf by
third-party companies that are not FIS competitors and that are suppliers to
Client of products and/or services under a written agreement documenting their
commercial relationship with Client or the Affiliate and containing obligations
respecting FIS’s confidentiality, intellectual property and proprietary rights
no less stringent than those contained in this Agreement, and solely as required
to assist Client or the Affiliate in its internal business operations. In no
event may Client, Client’s Affiliates, or its or their third party service
providers use any Services or Deliverables for any purpose other than the
business operations of Client or as applicable, Client’s Affiliate(s). As used
herein, “Affiliate” means, with respect to any specified party, any other person
or party that directly or indirectly, through one or more intermediaries,
controls, is controlled by, or is under common control with, such party
(“control,” “controlled by” and “under common control with” shall mean the
possession, directly or indirectly, of the power to direct or cause the
direction of the management and policies of a party, whether through ownership
of voting securities, by contract or credit arrangement, as trustee or executor,
or otherwise).

4.2
Use by Client Customers. If so specified in an applicable Schedule, and then to
the extent so specified, Client may allow a Service to be used by: (i) Client’s
(and when applicable, Client’s Affiliate’s) direct customers in the regular
course of business (“Customers”) and (ii) those persons (which may be as broad
as the general public) who may be prospective or incidental direct Customers and
to whom Client (or when applicable, Client’s Affiliate) permits access through
the internet and similar methods in connection with the business operation of
Client (and/or such Client Affiliate) (collectively, (i) and (ii) are "Permitted
Users"). Services provided to Permitted Users shall be deemed to be Services
provided to Client. Client shall be responsible to FIS for any breach of this
Agreement caused by any Permitted User to the same extent as caused by
Client.    

4.3
Third Party Services. If a Schedule describes a product or service provided by a
third party, whether such product or service is requested or required by Client
or is otherwise specified in the Schedule as a

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

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service or product that is provided by a third party (in each case, a “Third
Party Service”), the following subsections also apply:

4.3.1
Client acknowledges that FIS is not the provider of any Third Party Service, and
Client shall, if required by FIS, enter into a separate agreement for the Third
Party Service directly with the applicable provider. FIS makes no warranties or
representations of any kind regarding the correctness, accuracy, completeness,
merchantability or fitness of any Third Party Service or any associated data,
information or system. FIS will pass through to Client end-user warranties to
the extent received by FIS from Third Party Service providers.

4.3.2
If a Third Party Service is terminated prior to the end of its term either (i)
by Client or by FIS at Client’s request, or (ii) as a result of Client’s action
or inaction, Client shall pay FIS, in addition to any other amounts owed, an
amount equal to any termination costs and fees incurred or owing by FIS as a
result of such termination. Client shall not be entitled to a refund of any
pre-paid amounts associated with such Third Party Service.

4.3.3
If FIS is no longer able to provide any Third Party Service that Client has
purchased for the Term of an applicable Schedule, then FIS shall have the right
to discontinue or if applicable terminate the provision of such Third Party
Service. Provided however, that FIS will use commercially reasonable efforts to
replace such Third Party Service with a comparable Third Party Service of like
quality and function, at no additional charge to Client, for the remaining Term
or time period applicable to the discontinued or terminated Third Party Service
under such Schedule.

4.4
Materials. As a convenience, FIS may provide Client with sample forms,
procedures, scripts, marketing materials or other similar information
(collectively, “Materials”). Client shall have a limited, non-transferable
license to use Materials, if any, solely in connection with its use of the
Services, or Deliverables during the Term of the applicable Schedule and solely
in a manner that is consistent with instructions and/or specifications FIS
provides for the Materials. Client may not sublicense or redistribute the
Materials or provide them to any third party. Client’s license to use the
Materials shall expire immediately upon termination of the Agreement or if
sooner, the related Schedule. The Materials are provided as-is; Client is
responsible for any use of the Materials and bears sole liability for any such
use. In the event any different or other terms for use of the Materials are
stated in the applicable Schedule, document associated with such Materials under
the Schedule, or user terms required by a third party providing Materials in the
event of a Third Party Service, then such terms shall govern and prevail over
the terms stated in this Section 4.4. All rights not expressly granted as stated
herein, are reserved with respect to any Materials.

4.5
Documentation. If FIS provides Client with use of any documentation in
connection with Client’s use of a Service or Deliverable under a Schedule or
SOW, then Client’s use of such documentation is a non-exclusive, limited,
personal, non-transferable, royalty-free license right for Client’s use thereof
during the Term of the applicable Schedule. Client shall have a limited,
non-transferable license to use such documentation, if any, solely in connection
with its use of the Services, or Deliverables and solely in a manner that is
consistent with applicable instructions and/or specifications FIS may provide.
Client may not remove or obscure any proprietary marks or legends on or in the
documentation. Client may not sublicense or redistribute the documentation, may
not provide the documentation to any third party, or otherwise use or make
available the documentation except for Client’s own business purposes in direct
connection with the Services and/or Deliverables for which it was provided under
the applicable Schedule or SOW. Client’s license to use the documentation shall
expire immediately upon termination of the Agreement or if sooner, the related
Schedule. Client is responsible for any use of the documentation and bears sole
liability for any such use. In the event any different or other terms for use of
the documentation are stated in the applicable Schedule or SOW, document
associated with such documentation under the

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

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Schedule, or user terms required by a third party in the event of a Third Party
Service (“Third-Party Service user agreement”), then such terms shall govern and
prevail over the terms stated in this Section 4.5. All rights not expressly
granted as stated herein, are reserved with respect to any documentation.

4.6
Incidental Software. If FIS provides Client with use of any software provided
incidentally in connection with Client’s use of a Service or Deliverable under a
Schedule or SOW, then Client’s use of such software is (a) a non-exclusive,
limited, personal, non-transferable license right, either royalty-free or for
such license fees as are stated in the applicable Schedule or other document
associated with such software under the Schedule, (b) limited to the Term of the
applicable Schedule or SOW; and (c) limited, to use solely in connection with
the Services, or Deliverables in a manner that is consistent with applicable
instructions and/or specifications FIS may provide. Client may not remove or
obscure any proprietary marks or legends associated with the software. Client
may not sublicense or redistribute the software, may not reverse engineer any
software object code, may not provide the software to any third party or as a
service bureau, or otherwise use or make available the software except for
Client’s own business purposes in direct connection with the Services and/or
Deliverables for which it was provided under the applicable Schedule. Client’s
license to use the software shall expire immediately upon termination of the
Agreement or if sooner, the related Schedule or SOW. Client is responsible for
any use of the software and bears sole liability for any such use. In the event
any different or other terms are stated in the applicable Schedule, document
associated with such software under the Schedule or SOW, or user terms required
by a third party in the event of third-party software (“Third-Party Software
user agreement”), then such terms shall govern and prevail over the terms stated
in this Section 4.6. All rights not expressly granted as stated herein, are
reserved with respect to any software.

5
FEES, EXPENSES, PAYMENT TERMS, CURRENCY.

5.1
In consideration for the Services provided under each Schedule, Client agrees to
pay to FIS the fees and charges set forth on such Schedule or SOW, together with
such reasonable and actual travel, lodging and other travel-related expenses as
FIS may incur in connection with providing such Services to Client. FIS will
follow Client’s standard written travel policy provided that Client provides a
then-current copy of it to FIS prior to the applicable expenses being incurred.
Any third-party or similar charges in connection with Services under a Schedule
shall be invoiced as costs or expenses on a pass-through basis.

5.2
In consideration of Client entering into this Agreement for the Initial Term
defined in Section 1.4 above, FIS agrees to provide Client with an incentive in
the amount of *****, to be applied as credits against the amounts invoiced to
Client for Services under the SOW and/or Schedules identified in Section 1.7 of
this Agreement. If for any reason the Agreement or any Schedule hereunder is
terminated prior to the end of the Initial Term, other than due to FIS's uncured
material breach or a termination as provided in 10.1.3, Client shall promptly
reimburse by direct payment to FIS the unamortized amounts of the incentive
calculated as the total amount of the incentive divided by ***** multiplied by
the number of months remaining in the Initial Term; such reimbursement to be in
addition to Client's payment of other liquidated damages hereunder, as
applicable, any deconversion and transition assistance fees, and any other
amounts otherwise due and payable from Client under the Agreement.

5.3
Unless otherwise set forth differently on a Schedule, FIS shall invoice Client
on a monthly basis for the fees and expenses incurred. Client shall pay FIS the
invoiced amount in full on or prior to thirty (30) calendar days after the date
of each FIS invoice. FIS will invoice Client for the reimbursement of
pass-through expenses applicable to a Service as soon as reasonably practicable
after FIS receives and reviews the applicable third party invoice. Client shall
make all payments to FIS by ACH , or other mutually-agreed funds transfer, of
immediately available funds to an account or accounts designated by FIS. All

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

--------------------------------------------------------------------------------

fees and charges listed and referred to in this Agreement and all Schedules or
SOW are stated in, and shall be paid in, U.S. Dollars.

5.4
Any amount not received by the 15th calendar day after the date that the payment
was due shall be subject to interest on the balance overdue at a rate equal to
the lesser of (i) the prime rate plus ***** per year as announced from time to
time by the Bank of America or its successor or (ii) the highest rate permitted
by law, in each case, for the number of calendar days from the payment due date
up to and including the date payment is actually made by Client (calculated on
the basis of the actual calendar days in the applicable calendar year).

5.5
All fees set forth in this Agreement may be increased, beginning with the fees
due and payable in the calendar year following the Effective Date and annually
thereafter, by an amount not exceeding the lesser of (a) ***** over the prior
calendar year, or (b) the percentage change in the ECI, calculated by averaging
the annual percentage change reported for the four fiscal quarters immediately
preceding each anniversary of the Effective Date. “ECI” means the U.S.
Employment Cost Index – Civilian: All Workers total compensation, as published
by the U.S. Bureau of Labor Statistics (www.bls.gov). If the ECI is unavailable
or materially changes in content and scope, then FIS may in good faith select
another U.S. Government index as a substitute in order to obtain substantially
the same result. The adjusted fees will be reflected on the next invoice
submitted by FIS to Client for such fees after such adjustments are made.

5.6
Taxes.

5.6.1
All charges and fees to be paid by Client under this Agreement are exclusive of
any applicable withholding, sales, use, value added, excise, services or other
United States or foreign tax which may be assessed on the provision of the
Services. In the event that a withholding, sales, use, value added, excise,
services or other United States or foreign tax is assessed on the provision of
any of the Services provided to Client under this Agreement, Client will pay
directly, reimburse, or indemnify FIS for such taxes, as well as any applicable
interest, penalties and other FIS fees and expenses. FIS shall pay and hold
Client harmless for any taxes on FIS property, income or payroll. The parties
will cooperate with each other in determining the extent to which any tax is due
and owing under the circumstances, and shall provide and make available to each
other any resale certificates, information regarding out-of-state or country use
of materials, services or sale, and other exemption certificates or information
reasonably requested by either party.

5.6.2
In the event that international taxation applies, and Client’s local country tax
laws require a withholding tax payment, the following provisions will apply:
Client will withhold and pay any withholding tax imposed at source according to
the rate specified by local law on any amount payable to FIS under this
Agreement or the applicable Schedule, depositing the withholding tax in the
appropriate accounts of the prescribed banks as per provisions of the applicable
withholding tax laws, and Client shall make available to FIS on a timely basis
the receipt for or other valid evidence of any withholding tax paid by Client to
such tax authority. Client’s payment of the balance after deducting any such
withholding tax shall constitute payment in full of the amount owed by Client to
FIS. If the Client’s country of domicile and the FIS country of domicile
provides for a specific exemption or reduced tax rate per a tax treaty, FIS will
provide Client with an exemption certificate or reduced rate certificate. FIS
will not be responsible for any penalty(ies) or additional tax(es) levied by the
tax authorities in Client’s country of domicile due to non-withholding of taxes
by Client or any delay in depositing the same with the prescribed banks.

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

--------------------------------------------------------------------------------

6
CONFIDENTIALITY OBLIGATIONS.

6.1
The parties acknowledge and agree that each party will be provided certain
information originated by or peculiarly within the knowledge of the other party
which is not generally available to the public and which the other party
considers confidential or proprietary (the “Proprietary Information”).
Proprietary Information includes without limitation a party’s data, business and
financial plans, marketing, customer and supplier information, ideas, knowledge,
know-how, inventions, techniques, methodologies, processes, programs, software,
moral rights, and trade secrets. Proprietary Information may also include
without limitation information received by a party from its licensors,
contractors, or customers under similar obligations of confidentiality. In
addition, FIS designates information related to its Services, Third Party
Services, and Deliverables, including without limitation descriptions,
specifications and instructions pertaining to the foregoing, as its Proprietary
Information; and Client designates Customer information that qualifies as NPI
(defined in Section 2.6 above) as a component of Client’s Proprietary
Information. The terms of this Agreement are Proprietary Information of both
parties. Proprietary Information may be in written or oral form, in electronic
or other data transmission or media, or in any other form or media, whether
provided directly, made available indirectly, obtained through on-site visits at
a party’s premises or facilities, or in any other manner; and shall be protected
under this Article 6 whether furnished or made available before or after the
Effective Date.

6.2
Each party agrees to treat the other party’s Proprietary Information in the same
manner as it treats its own Proprietary Information, to take reasonable security
precautions to safeguard the other party’s Proprietary Information from theft or
from access by unauthorized persons, to not use the other party’s Proprietary
Information in any way detrimental to such party, and to not, directly or
indirectly, disclose or divulge any Proprietary Information to any third party
without the prior written consent of the other party.

6.3
The definition of Proprietary Information shall not include, and receiving party
shall have no obligation with respect to information which:

(a)
is or becomes publicly known through no wrongful act, fault or negligence of the
receiving party;

(b)
was disclosed to the receiving party by a third party who was free of
obligations of confidentiality to the party providing the information;

(c)
is or becomes known by or to the receiving party without reference to, reliance
on or use of the disclosing party’s Proprietary Information;

(d)
is approved for release by prior written authorization of the other party; or

(e)
is publicly disclosed pursuant to a requirement or request of a governmental
agency or disclosure is required by operation of law, provided that the parties
will cooperate to comply with Sections 6.5 and 6.7 below.

6.4
The parties acknowledge that this Agreement each Schedule and SOW hereto, and
all related discussions, negotiations and proposals by or on behalf of one or
both parties contain confidential information that may be considered Proprietary
Information by one or both of the parties, and agree to limit distribution of
this Agreement, the Schedules, SOW, and documents containing such related
discussions, negotiations or proposals, or portions or synopses of any of the
foregoing, to those employees of Client and FIS with a need to know the contents
of this Agreement, the Schedules and SOW. In no event may this Agreement, any
Schedule or SOW be reproduced or copies shown to any third parties without the
prior written consent of the other party, except to a party’s legal, audit,
financial-advisory or accounting contractors under written confidentiality
obligations at least as stringent as those stated in this Article 6.

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

--------------------------------------------------------------------------------

6.5
Either party may disclose this Agreement, any Schedule or SOW, or any portion or
synopsis thereof, as may be necessary by reason of legal, accounting, tax or
regulatory requirements, in which event Client and FIS agree to exercise
reasonable diligence in limiting such disclosure to the minimum necessary under
the particular circumstances, and to provide reasonable cooperation when needed
either to prevent disclosure or to obtain a protective order or confidentiality
agreement. The parties further agree to seek commercial confidential status for
this Agreement with any regulatory commissions, with which this Agreement must
be filed, to the extent such a designation can be secured.

6.6
Each party agrees to implement, maintain and periodically test the efficacy of
appropriate information security programs and safeguards to protect NPI (defined
in Section 2.6 above) and will not use or disclose to any unauthorized person or
party any NPI except as permitted by applicable Law.  Such information security
programs and measures shall include appropriate procedures designed to:
(1) protect the security and confidentiality of such information, (2) protect
against anticipated threats or hazards to the security or integrity of such
information, and (3) protect against unauthorized access to or use of such
information that could result in substantial harm or inconvenience to any person
protected by such applicable Law.  Each party certifies to the other that it has
a written comprehensive information security program that is in compliance with
applicable Law governing NPI.  In the event of a data breach involving NPI, the
affected party will, subject to any restrictions that may be imposed by law
enforcement investigating such breach, notify the party whose customer NPI is or
may be affected within forty-eight (48) hours after determination of the data
breach.

6.7
Security Breaches.

6.7.1
If FIS discovers or is notified of any security breach involving Client’s NPI or
Client’s Customer’s NPI (a “Security Incident”), FIS will, subject to any
restrictions that may be imposed by law enforcement investigating such breach:
(i) notify Client of such Security Incident within forty-eight (48) hours after
determination thereof, (b) promptly, in consultation with Client, start an
investigation of the Security Incident and take appropriate actions to mitigate
any risk that may arise from the Security Incident. To the extent possible and
to the extent known, FIS will provide Client with a written report on outcome of
its investigation including the corrective action FIS will take, or has taken,
to respond to the Security Incident and such other information as Client may
reasonably request. The occurrence of a Security Incident will constitute
Confidential Information of FIS; provided, however, that Client may disclose the
occurrence of a Security Incident in connection with notice to regulators,
auditors, and other parties to the extent necessary to comply with applicable
laws. FIS will cooperate in good faith regarding the timing and manner of any
notification to affected parties concerning a Security Incident, and disclosures
to appropriate governmental entities.

6.7.2
If Client discovers or is notified of any security breach involving Client’s
systems that may affect the security of FIS’s Proprietary Information or of the
NPI of any other clients or customers of FIS, Client will (i) notify FIS of such
security incident as soon as possible after determination thereof, (b) promptly,
in consultation with FIS, start an investigation of the security incident and
take appropriate actions to mitigate any risk that may arise from the security
incident. To the extent possible and to the extent known, Client will provide
FIS with a written report on outcome of its investigation including the
corrective action Client will take, or has taken, to respond to the security
incident and such other information as FIS may reasonably request. The
occurrence of such a security incident will constitute Confidential Information
of Client; provided, however, that FIS may disclose the occurrence of such a
security incident in connection with notice to regulators, auditors, and other
parties to the extent necessary to comply with applicable laws.

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

--------------------------------------------------------------------------------

Client will cooperate in good faith regarding the timing and manner of any
notification to affected parties concerning such a security incident, and
disclosures to appropriate governmental entities.

6.8
Upon expiration or any termination of this Agreement, without limiting any other
provisions of this Agreement pertaining to expiration or termination, the
parties will comply with the following terms and conditions with respect to
Proprietary Information:

6.8.1
Upon request of the other party, each party will promptly return to the other
party (or at the other party’s express written direction or consent, destroy)
all copies of the other party’s Proprietary Information, including without
limitation all documents and other materials containing Proprietary Information,
whether on paper, optical discs, or electronic drives or other media; and will
provide a certification by an executive or officer having knowledge of the
matter of such return and/or destruction. The return or permitted destruction
shall not relieve a party from its continuing obligations not to disclose the
Proprietary Information in accordance with this Agreement.

6.8.2
Return by each party of the other party’s Proprietary Information upon
expiration or any termination shall be subject to any transition assistance
pursuant to Section 10.4 below, and to any additional terms and conditions as
the parties may mutually agree in a SOW or amendment to a Schedule or this
Agreement for transition services to be provided by FIS.

6.8.3
Notwithstanding the foregoing, the receiving party may retain (but not otherwise
use or disclose): (a) any records it is required by its records retention policy
to retain that may include minutes of meetings, copies of notes, internal
analyses, records and other materials that contain or reflect the disclosing
party’s Proprietary Information; (b) copies of the disclosing party’s
Proprietary Information stored on its computer systems, e-mails, or other forms
of electronic information retention subject to its information retention
policies; and (c) the disclosing party’s Proprietary Information if and to the
extent required for regulatory, legal and compliance purposes. For greater
certainty, the terms of this Article 6 continue to apply to any such retained
Proprietary Information in perpetuity for as long as the exceptions in Section
6.3 above do not apply to such information.

6.9
FIS’s Proprietary Information (as defined in this Article 6) may be subject to
export controls under applicable federal and state laws, rules and regulations
including without limitation the Export Administration Regulations. Accordingly,
Client will: (i) remain in compliance with all requirements associated with such
laws, rules and regulations; (ii) cooperate fully with any audit related to such
laws, rules or regulations; (iii) not export, re-export, import, divert or
transfer any FIS Proprietary Information to any destination, company or person
restricted or prohibited by the U.S. export controls or utilize, directly or
indirectly, FIS’s Proprietary Information in any country that is embargoed by
the U.S. government; and (iv) not disclose any of FIS’s Proprietary Information
to any national of any country when such disclosure is restricted or prohibited
by U.S. export controls. Without limiting the generality of the foregoing,
Client shall be solely responsible for any exportation or importation of FIS’s
Proprietary Information and for obtaining any required approval or permit.

7
INTELLECTUAL PROPERTY, OWNERSHIP AND USE RIGHTS.

7.1
Client Intellectual Property. Any Client data, software, and software tools, and
any Client-provided third-party data, software, and software tools, and related
documentation owned by Client or a third party, will remain the property of
Client or such third party, respectively, and Client or such applicable third
party will remain the sole and exclusive owner of all rights, title and
interest, including without limitation

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

--------------------------------------------------------------------------------

all intellectual property, know-how, copyright, patent, trade secret, trademark,
moral rights, and other proprietary rights (all the foregoing collectively,
“Intellectual Property Rights”) therein and thereto.

7.2
FIS Intellectual Property. Any data, software, and software tools owned or
provided by FIS (including without limitation, software licensed or
subcontracted from a third party) or any related specifications, tools,
applications, routines, subroutines, techniques, systems, programs, or the
embodiments of ideas, methodologies or formulas contained therein, and related
items and documentation or any discoveries created or developed by FIS or any of
its employees, agents or subcontractors, are and will remain at all times the
property of FIS or, when applicable, the third-party provider thereof, and FIS
or such applicable third-party provider will remain the sole and exclusive owner
of Intellectual Property Rights therein and thereto. Each Deliverable created or
developed by FIS in the course of performing Services that is a derivative work
of the data, software, or software tools of FIS or of a licensor to FIS, and
(except as stated in Section 7.1 above) all writings, works of authorship,
creations, discoveries, and inventions, regardless of medium, created or
developed by FIS in the course of performing the Services under this Agreement
shall be owned solely and exclusively by FIS (or if applicable a licensor to
FIS), and shall not in any event be deemed a “work for hire”, and FIS shall be
the sole and exclusive owner thereof and of all Intellectual Property Rights
therein and thereto.

7.2.1
If for any reason the sole exclusive ownership of any writing or work of
authorship created or developed by FIS in the course of performing the Services
does not vest in FIS, then Client agrees to assign, convey and transfer such
ownership without any charge to FIS, and Client will sign such documents and
take such further actions at FIS’s expense as FIS may reasonably request in
order to perfect FIS’s ownership thereof and of all Intellectual Property Rights
therein and thereto.

7.2.2
If for any reason such assignment, conveyance and transfer is not or cannot be
made effective, or FIS’s sole and exclusive ownership cannot be perfected, as
stated in subsection 7.2.1 above, then Client agrees that FIS shall have all
perpetual, irrevocable, exclusive, and royalty-free rights to use the same in
all forms, formats and media whether now known or developed in the future, to
make derivative works thereof, to make, use and sell products and/or services
incorporating any of the foregoing, to sublicense and distribute any of the
foregoing rights, and to authorize any others to exercise any of the foregoing
rights. Client agrees to take any actions at FIS’s request and expense to
recognize or make effective the foregoing provisions.

7.3
Limitation on Rights. Except as stated in Section 7.1 above, and except for any
express use right granted in a Schedule, Client does not acquire any license,
use or other right in or to any Service, FIS-provided third-party product or
service, or any documentation, materials, data, modifications, customizations,
enhancements, changes or derivative works, or work product related thereto, no
matter by whom made. Client’s rights to use any of the foregoing shall be only
as part of and commensurate with Client’s rights to receive and use the Services
under the applicable Schedule. Client shall not alter, obscure or revise any
proprietary, restrictive, trademark or copyright notice included with, affixed
to, or displayed in, on or by any of the foregoing. Client shall not market,
redistribute, sell, license or sublicense, reverse engineer, or make available
to any third party whether as a service bureau or otherwise any of the
foregoing. All rights not expressly granted in an applicable Schedule or
provisions of this Agreement are reserved.

7.4
FIS Rights to Use. The parties agree that, notwithstanding anything to the
contrary, nothing in or relating to this Agreement or any Services in any way
will limit or restrict FIS in any manner from subsequently owning and making,
using, providing, selling, or otherwise having exclusive ability to utilize and
exploit any ideas, knowledge, know-how, inventions, discoveries, techniques, and
methodologies either known to or created, discovered, generated, invented, or
made by or for FIS prior to this Agreement or at any time during or after the
Term of this Agreement, without any accounting or reservation.

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

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7.5
Use of Software, Service, and Third Party Service. Unless otherwise expressly
permitted in an applicable Schedule, Client agrees to use each Service,
Deliverable, and any Third Party Service only for its own internal business
purposes to service its U.S.-based accounts for its Customers and will not sell
or otherwise provide, directly or indirectly, any Service, Deliverable or Third
Party Service, or any portion thereof, to any third party. Client agrees that
FIS may use all suggestions for improvement and comments regarding a Service,
Deliverable or Third Party Service that are furnished by Client to FIS in
connection with the Agreement, without accounting or reservation. Except as
otherwise may be set forth herein or in writing between the parties, Client
shall be responsible for handling all Customer inquiries relating to a Service,
Deliverable or Third Party Service.

7.6
Publicity; Use of Marks.

7.6.3
Neither party will issue any press release or public statement regarding the
Services or performance of this Agreement without the prior written consent of
the other party, such consent not to be unreasonably withheld, conditioned or
delayed; except that: (i) FIS may use Client’s name and logo in a general
listing of users of its products or services, and as reasonably necessary to
perform any Services; (ii) the parties will provide reasonable cooperation for
any announcement identifying that the parties have entered into an agreement
with a concise description of the nature of the Services expected to be
provided; and (iii) the name(s), trademarks, service marks, logos, brands, stock
exchange ticker symbols, and trade names (“Marks”) of a party may be used as
specified below.

7.6.4
The Marks owned or licensed by either party may be incorporated by FIS within or
on any of the Services, deliverables, or materials provided in connection
therewith under this Agreement, any Schedule or SOW. Neither party shall have
rights to apply, use or copy the Marks owned or licensed by the other party
except in compliance with such party’s then-current guidelines for use of such
Marks, which may be provided by the Mark owner from time to time. Client shall
not remove, obliterate or obscure any Marks in or on the Services or
deliverables.

7.6.5
Any domain name registrations that may be made in connection with this
Agreement, any Schedule or SOW, will be owned by the party that owns the Mark(s)
included in the top-level domain name. For clarification, this subsection shall
not be interpreted to affect the ownership of any domain name, domain name
registration, website, or webpage that may contain a party’s Mark(s) as a
portion of the URL address after the top-level domain name. Either party may, as
a portion of the URL address after a top-level domain that it owns or has
properly registered, use the other party’s Mark(s) solely and strictly for and
in connection with the Services and during the term of this Agreement.

7.6.6
Any rights granted to either party to use the other party’s Marks shall
terminate automatically upon expiration or any termination of this Agreement.

8
WARRANTIES AND REPRESENTATIONS.

8.1
Licenses, Permits, and Compliance with Laws.

8.1.3
Licenses and Permits. FIS and Client shall each secure and maintain in force all
licenses and permits required of it and its employees in the performance of its
respective obligations under this Agreement.

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

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8.1.4
Compliance with Laws. FIS and Client shall each comply, at its own expense, with
the provisions of all applicable laws and regulations which may be applicable to
each party in the performance of their respective obligations under this
Agreement, and shall conduct its business in full compliance with all laws,
ordinances and regulations applicable to its business or applicable to the other
party’s business to the extent that the other party has notified FIS or Client,
as the case may be, of the specific laws, ordinances or regulations with which
the other party must comply.

8.2
No Interference with Contractual Relationship. Each party warrants that, as of
the date hereof, it is not subject to any contractual obligation that would
prevent it from entering into this Agreement. Client and FIS each further
warrant to the other that entering into this Agreement shall not cause or induce
it to breach any of its other contractual obligations.

8.3
Authorization and Effect.

8.3.3
The execution and delivery by FIS of this Agreement and the fulfillment of its
obligations under this Agreement have been duly authorized by all necessary
corporate action on the part of FIS. This Agreement has been duly executed and
delivered by FIS and, assuming the due execution and delivery of this Agreement
by Client, constitutes a valid and binding obligation of FIS, except as the same
may be limited by bankruptcy, insolvency, reorganization, moratorium or similar
laws relating to or affecting the enforcement of creditor’s rights generally,
and subject to the qualification that general equitable principles may limit the
enforcement of certain remedies, including the remedy of specific performance.

8.3.4
The execution and delivery by Client of this Agreement and the fulfillment of
its obligations under this Agreement have been duly authorized by all necessary
corporate action on the part of Client. This Agreement has been duly executed
and delivered by Client and, assuming the due execution and delivery of this
Agreement by FIS, constitutes a valid and binding obligation of Client, except
as the same may be limited by bankruptcy, insolvency, reorganization, moratorium
or similar laws relating to or affecting the enforcement of creditor’s rights
generally, and subject to the qualification that general equitable principles
may limit the enforcement of certain remedies, including the remedy of specific
performance.

8.4
Business Practices. Neither Client or any of Client’s directors, officers,
agents, employees or other persons associated with or acting on behalf of Client
has made or give any payments or inducements, directly or indirectly, to any
Government officials in the jurisdictions in which Client conducts business in
connection with any opportunity, agreement, license, permit, certificate,
consent, order, approval, waiver or other authorization relating to the business
of Client, except for such payments or inducements as were lawful under the
written laws, rules and regulations of such jurisdictions. Neither Client nor
any of Client’s directors, officers, agents, employees or other persons
associated with or acting on behalf of Client: (a) has used any corporate funds
for any unlawful contribution, gift, entertainment or other unlawful expense
relating to political activity; (b) made any direct or indirect unlawful payment
to any Government official or employee from corporate funds; (c) violated or is
in violation of any provision of the Foreign Corrupt Practices Act of 1977; or
(d) made any bribe, unlawful rebate, pay off, influence payment, kickback or
other unlawful payment in connection with the business of Client.

8.5
Disclaimer of Warranties. EXCEPT AS EXPLICITLY SET FORTH ABOVE, FIS MAKES NO
REPRESENTATION, GUARANTEE OR WARRANTY OF ANY KIND, ORAL OR WRITTEN, EXPRESS,
IMPLIED OR STATUTORY, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF
MERCHANTABILITY, TITLE, OR FITNESS FOR A PARTICULAR PURPOSE

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

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(WHETHER OR NOT FIS KNOWS, HAS REASON TO KNOW, OR IS AWARE OF ANY SUCH PURPOSE),
OR ERROR-FREE OPERATION, WITH RESPECT TO THE SERVICES RENDERED OR THE RESULTS
OBTAINED WHETHER ALLEGED TO ARISE BY LAW, BY REASON OF CUSTOM OR USAGE IN THE
TRADE, OR BY COURSE OF DEALING. CLIENT AGREES THAT ANY AND ALL SUCH
REPRESENTATIONS, GUARANTEES AND WARRANTIES NOT EXPRESSLY PROVIDED IN THIS
AGREEMENT ARE HEREBY FOREVER EXCLUDED AND DISCLAIMED. IN ADDITION, FIS DISCLAIMS
ANY WARRANTY OR REPRESENTATION TO ANY PERSON OTHER THAN CLIENT WITH RESPECT TO
THE SERVICES, THIRD PARTY SERVICES, SOFTWARE, DELIVERABLES, EQUIPMENT, AND
MATERIALS PROVIDED UNDER THIS AGREEMENT. Notwithstanding the foregoing, FIS
agrees to pass to Client any user warranties that FIS has the applicable
authority from a third-party provider of products or services to pass to Client
with respect to such third-party products or services.

9
DISPUTE RESOLUTION.

9.1
Dispute Resolution. If a dispute arises between FIS and Client with respect to
the terms and conditions of this Agreement, or any subject matter governed by
this Agreement or any Schedule hereto, other than disputes regarding a party's
compliance with the provisions of Section 6, such dispute shall be settled as
set forth in this Article 9. If either party exercises its right to initiate the
dispute resolution procedures under this Article 9, then during such procedure
any time periods providing for termination of the Agreement or curing any
material breach under Article 10 (Termination) shall be suspended automatically,
except with respect to any termination or breach arising out of Client’s failure
to make timely and complete payments to FIS under this Agreement. At such time
as the dispute is resolved, any application of interest or late charges shall
apply if and to the extent addressed in the applicable settlement agreement
between the parties.

9.2
Resolution Procedures. If any party has any dispute with respect to the terms
and conditions of this Agreement or any Schedule hereto, or any subject matter
referred to in or governed by this Agreement, that party (through its
Relationship Manager) shall provide written notification to the other party
(through the other party’s Relationship Manager) in the form of a claim
identifying the issue or amount disputed and including a detailed reason for the
claim. The party against whom the claim is made shall respond in writing to the
claim within thirty (30) calendar days from the date of receipt of the claim
document. The party filing the claim shall have an additional thirty (30)
calendar days after the receipt of the response to either accept the resolution
offered by the other party or request implementation of the Escalation
Procedures as set forth in Section 9.3. Failure to meet the time limitations set
forth in this Section shall result in the implementation of the Escalation
Procedures set forth in Section 9.3 below.

9.3
Escalation Procedures. Each of the parties agrees to negotiate, in good faith,
any claim or dispute that has not been satisfactorily resolved following the
resolution procedures described in Section 9.2. To this end, each party shall
escalate any and all unresolved disputes or claims in accordance with
subsections 9.3.1 and 9.3.2 before taking further action.

9.3.1
If the negotiations conducted pursuant to Section 9.2 do not lead to resolution
of the underlying dispute or claim to the satisfaction of a party involved in
such negotiations, then either party may within ten (10) business days notify
the other in writing that he/she desires to elevate the dispute or claim to the
Account Relationship Managers of both parties for resolution. Upon receipt by
the other party of such written notice, the dispute or claim shall be so
elevated and the parties’ Account Relationship Managers shall have a period of
thirty (30) days within which to negotiate in good faith and each use its
reasonable best efforts to resolve such dispute or claim. The location, format,
frequency, duration and conclusion of these elevated discussions shall be left
to the

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

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discretion of the representatives involved. Upon agreement, the representatives
may utilize other alternative dispute resolution procedures to assist in the
negotiations.

9.3.2
If the negotiations conducted pursuant to subsection 9.3.1 do not lead to
resolution of the underlying dispute or claim to the satisfaction of a party
involved in such negotiations, then either party may within ten (10) business
days notify the other in writing that he/she desires to elevate the dispute or
claim to the FIS’s executive level and Client’s executive level for resolution.
Upon receipt by the other party of such written notice, the dispute or claim
shall be so elevated and FIS’s executive level and Client’s executive level
shall have a period of thirty (30) days within which to negotiate in good faith
and each use it’s commercially reasonable efforts to resolve such dispute or
claim. The location, format, frequency, duration and conclusion of these
elevated discussions shall be left to the discretion of the representatives
involved. Upon agreement, the representatives may utilize other alternative
dispute resolution procedures to assist in the negotiations.

9.4
Confidentiality. All discussions and correspondence among the representatives
for purposes of these negotiations shall be treated as confidential information
developed for purposes of settlement, exempt from discovery and production,
which shall not be admissible in any subsequent proceedings between the parties.
Documents identified in or provided with such communications, which are not
prepared for purposes of the negotiations, are not so exempted and may, if
otherwise admissible, be admitted in evidence in such subsequent proceeding.

9.5
Arbitration Procedures. If a claim, controversy or dispute between the parties
with respect to the terms and conditions of this Agreement, or any subject
matter governed by this Agreement, has not been resolved by use of the
Resolution Procedures described in Section 9.2 or the Escalation Procedures
described in subsections 9.3.1 and 9.3.2, either party may, within thirty (30)
calendar days after the representatives have met to address such claims,
controversy or dispute, request binding arbitration of the issue in accordance
with the following procedures. (For the avoidance of doubt, arbitration shall
not apply to matter that can be addressed under subsection 14.2 (Equitable
Remedies).)

9.5.4
Either party may request arbitration by written notice to the other party
describing, in reasonable detail, the nature of the dispute, controversy or
claim. Such arbitration shall be governed by the Commercial Arbitration Rules
(for purposes hereof, “Rules”) of the American Arbitration Association, 1939
Rhode Island Avenue, N.W., Suite 509, Washington, D.C. 20036 ("AAA") as amended
by this Agreement, and conducted in English.

9.5.5
Upon either party's request for arbitration, a single arbitrator shall be
selected by mutual agreement of the parties to hear the dispute in accordance
with the Rules. If the parties are unable to agree upon the arbitrator, then
either party may request that the AAA select an arbitrator and such arbitrator
shall hear the dispute in accordance with the Rules. Provided however, for
disputes amounting to USD $5,000,000 or more, a panel of three arbitrators shall
be selected to hear the dispute. In such case, each party shall select one
arbitrator who shall be unaffiliated with such party, and the two arbitrators
shall select a third arbitrator. If the two arbitrators are unable to agree upon
a third arbitrator, the AAA will select the third arbitrator. All arbitrators
(whether one or three) shall be knowledgeable about information technology
transactions. In the case of a three-arbitrator panel, the decision of a
majority shall control. The arbitration shall be held in Jacksonville, Florida.

9.5.6
Each party shall bear its own fees, costs and expenses of the arbitration and
its own legal expenses, attorneys' fees and costs of all experts and witnesses.
Unless the award provides otherwise, the

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

--------------------------------------------------------------------------------

fees and expenses of the arbitration procedures, including the fees of the
arbitrator or arbitrators, will be shared equally by the involved parties.

9.5.7
Any award rendered pursuant to such arbitration shall be final, conclusive and
binding upon the parties. Any judgment thereon may be entered and enforced in
any court of competent jurisdiction.

9.6
Claim Expiration. No claim to be resolved under this Article 9 may be made more
than one year after the date by which the fault or failure was or should
reasonably have been discovered; failure to make such claim within the one-year
period shall bar the claim under this Article 9.

9.7
Continuation of Services. Unless FIS is bringing an action for Client’s failure
to make timely and complete payments to FIS, FIS will continue to provide
Services under this Agreement, and Client will continue to make payments to FIS,
in accordance with this Agreement, during the dispute resolution procedures
described in this Article 9.

10
TERMINATION.

10.1
Termination for Cause. The effective date of any termination of this Agreement
or, if applicable, a Schedule shall be the earlier of the expiration of the Term
or the effective date of a termination pursuant to one of the following
subsections (“Termination Date”). This Agreement and/or any Schedule may be
terminated as follows:

10.1.5
If a party makes an assignment for the benefit of creditors, files a petition in
bankruptcy, commences any proceeding relating to it under any bankruptcy or
similar statute, or there is commenced against such party any proceeding which
shall be not dismissed within ninety (90) days, the non-assigning or non-filing
party may terminate immediately upon giving notice to the other party.

10.1.6
In the event either party defaults under any material term of this Agreement (or
if applicable, of a Schedule), and fails to cure the default within ninety (90)
days after receiving written notice of such default by the non-breaching party.

10.1.7
In addition, Client may terminate if ***** or more of the FIS Service Level
Metrics set forth in an individual Schedule or ***** or more of the FIS Service
Level Metrics in the aggregate set forth in all Schedules under this Agreement,
are missed in more than in the aggregate *****, provided, however, appropriate
and reasonable effort has been given for FIS to cure and Resolution Procedures
defined in Section 9.2 and Escalation Procedures defined in Section 9.3 above
have been followed which may be initiated upon discovery of the missed service
level and run concurrently with the resolution procedures defined in Section 9.2
and Escalation Procedures defined in Section 9.3. In the event Client wishes to
elect termination on this basis, such termination will be limited to the
Service(s) affected by the Service Levels for the Service under the applicable
Schedule; and Client must issue formal notice to FIS under the Agreement.  Such
a termination shall be deemed a permitted termination by Client but shall not be
deemed due to a material breach by FIS.  For the avoidance of doubt, only the
circumstances described above in this subsection shall be deemed to permit
Client to terminate such Service, and any other missed service levels will not
be deemed to permit such a termination.  Provided further, that Client may only
make such election to terminate within a time window up to ***** following the
aggregate consecutive months described above.

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

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10.2
Liquidated Damages. The pricing and provision of Services to Client is
established by FIS based in substantial part on the volumes, quantities, and
time periods established under each applicable Schedule, SOW, or other mutually
agreed document for Services under this Agreement (each referred to as
“Schedule” for purposes of this Section 10.2). If, before the end of a
Schedule’s Term, the Schedule is terminated by FIS due to Client’s uncured
material breach, or if Client terminates a Schedule other than due to FIS’s
uncured material breach or a termination under Section 10.1.3 above, then Client
shall pay FIS liquidated damages, in addition to any other amounts owed, equal
to: (i) ***** of the greater of (a) the Services’ average monthly fees
calculated based on Client’s average monthly account volumes during the
preceding *****, or (b) any applicable minimum fees, or portion thereof,
remaining in the then current period of the terminated Schedule, each multiplied
by the number of months remaining in the then current period of the terminated
Schedule; (ii) any out-of-pocket costs reasonably incurred by FIS as a
consequence of the termination; plus (iii) any unpaid one-time fees set forth in
the Schedule. Client shall not be entitled to a refund of any pre-paid amounts.
Provided however, that if the termination occurs during a Renewal Term or is due
to a sale to an unaffiliated third party of Client’s entire portfolio of
accounts to which the Services relate without an accompanying assignment of the
Agreement, then the percentage stated in item (i) above shall be ***** instead
of *****. Client agrees that the early termination amounts under this Section
10.2 are liquidated damages and not a penalty; the damages for such early
termination being difficult or impossible to determine in advance and such
amounts being a reasonable pre-estimate of FIS’s anticipated loss in the event
of such an early termination.

10.2.3
Schedule C Termination. Notwithstanding the above provisions, however, the
following terms and conditions shall apply with respect to any early termination
of the Services under Schedule C to this Agreement (other than by Client based
on an uncured material breach hereunder by FIS, or a termination under Section
10.1.3 above):

10.2.3.1
The ASP Services as defined in Schedule C may not be terminated on a stand-alone
basis separately from the other services provided under Schedule C. Any
termination of the ASP Services otherwise permitted hereunder will therefore
also be a termination of Schedule C in its entirety. If such termination would
cause Client to be subject to an obligation of liquidated damages in accordance
with Section 10.2 above, then such liquidated damages shall be calculated with
respect to all services provided under Schedule C.

10.2.3.2
If the VBO Services as defined in Schedule C are terminated on a stand-alone
basis separately from the other services provided under Schedule C, such that
Section 10.2 above would cause Client to be subject to an obligation of
liquidated damages to FIS as stated therein, then the VBO Services shall be
deemed priced at one-half of the fee amounts stated in Exhibit C to Schedule C,
and therefore the amount of fees to which the percentages stated in item (i) of
Section 10.2 above shall apply shall be computed as ***** of the Services fee
amounts stated in Exhibit C to Schedule C as of the Effective Date. By way of
example and not limitation, if the amount of Services fees otherwise calculable
for purposes of applying Section 10.2 totaled *****, as based upon fees for all
Services under Schedule C, with the *****resulting in liquidated damages of
*****, then the amount calculated for an early termination of the VBO Services
under Schedule C would be one-half of the ***** amount = *****with the *****
resulting in liquidated damages of ***** for the early termination of the VBO
Services.

10.2.3.3
In addition, the provision of Section 10.2 stating that the percentage shall
change from ***** to ***** if the termination occurs during a Renewal Term,

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

--------------------------------------------------------------------------------

shall also apply to VBO Services if the termination occurs during the ***** of
the ***** as well as at any time during a Renewal Term.
10.2.3.4
In lieu of paying the above-described liquidated damages to FIS for an early
termination of VBO Services under Schedule C, Client shall have the option of
purchasing newly-contracted Services from FIS, in addition to the then-existing
Services under this Agreement, in a Services fee amount equal to the
then-remaining amount of VBO Services fees during the then-current Term. (Using
the example in the subsection 10.2.1.2 above, services fees in the amount of
*****.)

10.2.4
Termination Due to Change in Law. In the event of any state or federal court
order or state or federal regulatory agency directive or report, or change in
any state or federal statute, rule, or regulation, in each case directly
affecting Client which, in the written, good faith opinion of experienced
financial regulatory counsel as provided by Client to FIS, would subject Client
to material risk of liability or material adverse consequence by continuing in
performance and meeting its obligations of this Agreement (collectively, a
“Change in Law”), Client shall give notice to FIS of such Change in Law and the
parties shall negotiate in good faith in an effort to agree on appropriate
revisions to this Agreement or the affected Schedule in order to conform with
the requirements of such Change in Law. If the parties have been unable to agree
on such amendment within ninety (90) calendar days after such notice, then
Client may elect to terminate this Agreement or the affected Schedule upon sixty
(60) calendar days’ written notice to FIS.   Should Client elect to terminate
the entire Agreement or any affected Schedule, such termination will be in
accordance with Section 10.2 above, provided however, the portion of liquidated
damages stated in item (i) of Section 10.2 shall be the lesser of the liquidated
damages as provided therein or (b) *****.

10.3
Return of Material. Within thirty (30) days after the Termination Date, FIS, at
Client’s sole cost and expense at then-current rates, will return all material
and property owned by Client and the Client Affiliates, as well as all material
and property of a proprietary nature involving Client and the Client Affiliates.
In addition, upon Client’s request, FIS shall provide to Client copies of Client
data files and records on magnetic media, or to destroy Client's data files and
records in its possession and to certify promptly to Client as to the completed
destruction of these materials. Within thirty (30) days after the earlier of
(i) the Termination Date or (ii) expiration of the Term, Client will return all
FIS Software and FIS Provided Third Party Software, documentation and other FIS
Confidential Information to FIS or destroy all of such software, documentation
and FIS Confidential Information and provide written certification of such
destruction to FIS.

10.4
Transition Assistance. Upon termination of the Agreement or a Schedule, FIS
shall provide such transition assistance as the parties mutually agree. The
transition assistance services will be provided as reasonably requested by
Client for up to ***** commencing on the date Client delivers a notice of intent
to terminate as permitted hereunder for this Agreement or applicable Schedule.
The specific provisions, terms and conditions shall be as stated in the
applicable Schedule(s), or if the parties so agree, shall be as stated in a
mutually-agreed addendum, amendment, or Statement of Work under the applicable
Schedule(s). The amounts that Client shall pay FIS to perform the transition
assistance shall be at FIS’s then current rates, plus related reasonable and
actual travel, lodging and other travel-related expenses and materials charges.
During the transition assistance period described above, FIS shall cooperate
with Client and (if applicable) Client’s designee and provide the assistance
reasonably requested by Client or such designee. Client’s designee (if any) must
sign a non-disclosure agreement (“NDA”) with FIS before the transition
assistance

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

--------------------------------------------------------------------------------

begins. Within thirty (30) days, and as mutually agreed, after the expiration of
the termination assistance period, FIS will provide Client’s data and return in
a mutually agreed format, as defined in Section 10.3.

10.5
Survival after Termination Date. The provisions of this Agreement that by their
nature are intended to survive expiration or any termination, including without
limitation Article 6 (Confidentiality Obligations), Article 7 (Intellectual
Property, Ownership and Use Rights), Section 3.4 (Non-Solicitation), Section
10.4 (Transition Assistance), this Section 10.5 (Survival after Termination
Date), Article 11 (Indemnification), Article 12 (Limitations of Liability), and
Article 14 (General Provisions), shall survive the Termination Date of each
Schedule and the Termination Date of this Agreement.

11
INDEMNIFICATION.

11.1
Mutual Indemnities. Each party shall, subject to Article 12 below, indemnify,
defend and hold harmless the other party and its officers, employees, directors,
agents and shareholders, in their individual capacities or otherwise
(collectively “Indemnitees”), and hold them harmless from and against any and
all losses, claims, demands, penalties, actions, causes of action, suits,
obligations, liabilities, damages, delays, costs or expenses, including without
limitation attorney's fees (collectively, "Losses”) resulting from a third
party’s claim for bodily injury, death, or damage to or loss (including theft)
or destruction of any real property or tangible personal property caused by:
(a) the grossly negligent or reckless actions or inactions of any employee,
agent or contractor of the indemnifying party in the course of any performance
under this Agreement, or (b) to the extent such Losses result from any gross
negligence, reckless disregard, willful misconduct, or breach of statutory duty
of the indemnifying party, its employees, agents or contractors.

11.2
FIS Indemnities. FIS shall, subject to Article 12 below, defend Client and its
Indemnitees from and against any and all Losses asserted by a third party
against Client, and shall indemnify and hold harmless Client from and against
any damages, costs, and expenses of such third party awarded against Client by a
final court judgment or a settlement made or approved by FIS, in accordance with
this Section 11.2, resulting from any action, litigation, or claim by such third
party alleging or based on (i) FIS’s failure to comply with laws applicable to
FIS as a provider of a Service or Deliverable under this Agreement; (ii) FIS’s
breach of Article 6 of this Agreement related to confidentiality or security of
NPI or other Client Proprietary Information or any such breach caused by
negligent actions or omissions of any employee, agent or contractor of FIS; or
(iii) that a Service or Deliverable infringes an effective U.S. Letter Patent,
registered trademark, or copyright; provided, however, that FIS shall not be
liable for (and Client shall indemnify FIS against) any infringement or alleged
infringement to the extent such infringement or alleged infringement results, in
whole or in part, from: (a) use of a Service or Deliverable in a manner or for a
purpose not described in the Agreement or applicable Schedule; (b) use of a
Service or Deliverable in combination with computer programs, processes,
hardware, software, data, systems, or services owned, licensed or provided by
someone other than FIS or its Affiliate(s); (c) Client’s products or services;
(d) any modification, change, amendment, customization, adaptation, or
derivative work not provided or made wholly by FIS or its Affiliate(s) and not
approved by FIS or such Affiliate(s) in writing; or (e) Client's failure to
implement reasonable corrections, changes, enhancements, modifications,
releases, updates, or (when applicable) new versions provided by FIS or its
Affiliate(s). If a claim of infringement has been asserted, or in FIS's opinion
may be asserted, FIS may at its option either: (1) procure for Client the right
to continue using the Service or Deliverable; (2) replace or modify the Service
or Deliverable so that it avoids a claim of infringement provided such
replacement or modification results in a substantially similar Service or
Deliverable; (3) terminate the applicable Schedule or Statement of Work under a
transition SOW mutually agreed by the parties and refund all applicable pre-paid
fees covering future use of the Service or Deliverable, and discharge its
obligations hereunder concerning settlement,

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

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defense and indemnification with respect to any remaining claims; or (4) defend
the claim on Client’s behalf and pay any associated costs or damages.

11.3
Client Indemnities. Client shall, subject to Article 12 below, defend FIS and
its Indemnitees from and against any and all Losses asserted by a third party
against FIS, and shall indemnify and hold harmless FIS from and against any
damages, costs, and expenses of such third party awarded against FIS by a final
court judgment or a settlement made or approved by Client, in accordance with
this Section 11.3, resulting from any action, litigation, or claim by such third
party alleging or based on: (i) Client’s use of a Service, Deliverables, or
documentation or materials provided by FIS in connection with any Service or
Deliverables, in violation of applicable use restrictions or other Client
obligations under the applicable Schedule or this Agreement; (ii) actual or
alleged infringement of any patent, copyright or similar intellectual property
right (including, but not limited to, misappropriation of trade secrets) based
upon the Client’s software, or other Client Resources furnished hereunder by
Client as used by FIS in performing or providing Services or Deliverables;
(iii) Client-provided third party software, to the extent that FIS can claim
through Client as Client’s services provider for Client’s rights as licensee of
such third-party software; (iv) inaccurate or incomplete data, information, or
any content provided by or on behalf of Client or any customer of Client;
(v) Client’s use of a Service and/or Deliverable with computer programs,
products, or services owned, licensed or provided by someone other than FIS or
FIS’s Affiliate(s); (vi) Client’s failure to comply with laws applicable to its
receipt, use, or other performance with respect to the Services and/or
Deliverables; (vii) Client’s failure to comply with the terms of any Third Party
Service agreement; (viii) any claim of libel, data breach, violation of privacy
rights, unfair competition, or infringement of patents, trademarks, copyrights,
or other intellectual property caused by Client or Client’s customer. If a claim
of infringement has been asserted, or in Client’s opinion is about or likely to
be asserted, Client may, at its option either: (1) procure for FIS the right to
continue using the property or resource that is the subject of the claim; (2)
replace or modify the property or resource that is the subject of the claim so
that it becomes non-infringing provided such replacement or modification results
in a substantially similar property or resource; or (3) defend the claim or
action on FIS’s behalf and pay any associated costs or damages.

11.4
Procedures. The party seeking indemnification under subsection 11.1, 11.2, or
11.3 above must give prompt notice to the indemnifying party of any claim
thereunder, provided that failure or delay in giving such notice shall not
relieve the indemnifying party of any liability or obligation except to the
extent that it can demonstrate that its response, defense or settlement of such
claim is prejudiced thereby. The indemnifying party’s obligations are
conditioned upon: (a) the indemnifying party having sole control over the
defense and settlement of each claim, provided that the indemnifying party shall
not make any admission on behalf of any Indemnitee, nor settle any claim without
the indemnified party’s written consent, such consent not to be unreasonably
withheld, delayed or denied; (b) the indemnified party’s reasonable cooperation
during response, defense and settlement efforts at the expense of the
indemnifying party; and (c) the Indemnitees’ not making any admission,
concession, consent judgment, default judgment or settlement of any claim or any
part thereof.

11.5
Sole and Exclusive Remedy. The foregoing provisions of subsections 11.1, 11.2,
11.3, and 11.4 represent the sole and exclusive obligations and remedies of each
party with regard to any matter described in this Article 11.

11.6
Use of Dispute Resolution Procedures. The parties shall to the maximum extent
possible use the provisions of Article 9 (Dispute Resolution) with respect to
the submission of any claim for indemnification under this Agreement and the
resolution of any disputes relating to such claim.

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

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12
LIMITATIONS OF LIABILITY.

12.1
Direct Damages. THE LIABILITY OF FIS, ITS AFFILIATES, AND ITS AND THEIR
OFFICERS, DIRECTORS, EMPLOYEES, AGENTS AND CONTRACTORS FOR ANY AND ALL CLAIMS
AND CAUSES OF ACTION, WHENEVER BROUGHT, WHETHER BASED IN CONTRACT, TORT
(INCLUDING NEGLIGENCE) OR OTHERWISE, ARISING UNDER OR RELATED TO THIS AGREEMENT
OR ANY SCHEDULE, SERVICE, DELIVERABLE, OR OTHER PERFORMANCE HEREUNDER, SHALL BE
LIMITED TO CLIENT’S DIRECT OUT-OF-POCKET COSTS AND DAMAGES, ACTUALLY INCURRED,
UP TO AND UNDER NO CIRCUMSTANCES EXCEEDING IN THE CUMULATIVE AGGREGATE THE
AMOUNT PAID BY CLIENT TO FIS FOR THE SERVICES UNDER THE SOW OR SCHEDULE WHICH
GAVE RISE TO THE FIRST CLAIM DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY
PRECEDING THE DATE SUCH FIRST CLAIM AROSE.

12.1.7
THE FOLLOWING MONETARY AMOUNTS SHALL BE DEEMED DIRECT OUT-OF-POCKET DAMAGES AS
DESCRIBED ABOVE: (1) MONETARY FINES OR PENALTIES IMPOSED BY ANY APPLICABLE
GOVERNMENT REGULATORY AGENCY; (2) REASONABLE COSTS OF (A) GIVING NOTICE AND
PROVIDING TWELVE (12) MONTHS OF CREDIT MONITORING TO CONSUMER CUSTOMERS WHOSE
NPI, OR ANY PART THEREOF, HAS BEEN COMPROMISED AS A RESULT OF A DATA BREACH, AND
(B) RESPONDING TO REGULATORY INQUIRIES AS A RESULT OF SUCH DATA BREACH; (3) THE
AMOUNT OF A FINAL, NON-APPEALABLE JUDGMENT ON A THIRD-PARTY CLAIM GOVERNED BY
ARTICLE 11 ABOVE; AND (4) DEFENSE COSTS INCLUDING ATTORNEY FEES ON THIRD-PARTY
CLAIMS GOVERNED BY ARTICLE 11 ABOVE.

12.1.8
THE PARTIES AGREE THAT IN THE EVENT THAT ANY MONETARY AMOUNTS DESCRIBED IN
SUBSECTION 12.1.1 ABOVE ARE CONSIDERED BY A COURT TO BE CONSEQUENTIAL DAMAGES
FOR PURPOSES OF THIS ARTICLE 12, THEN THE GENERAL EXCLUSION OF CONSEQUENTIAL
DAMAGES SET FORTH IN SECTION 12.1.3 BELOW WILL NOT APPLY TO SUCH MONETARY
AMOUNTS.

12.1.9
THE PARTIES FURTHER AGREE THAT, AS TO CLAIMS AND AMOUNTS GOVERNED BY ARTICLE 11
(INDEMNIFICATION) ABOVE, THE LIMITATION AMOUNT DESCRIBED IN SECTION 12.1 ABOVE
SHALL BE COMPUTED UTILIZING TWENTY-FOUR (24) MONTHS RATHER THAN TWELVE (12)
MONTHS AS STATED THEREIN.

12.2
Consequential Damages. IN NO EVENT SHALL EITHER PARTY BE LIABLE FOR INDIRECT,
SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER,
INCLUDING WITHOUT LIMITATION ANY LOSS OF PROFITS, BUSINESS, REPUTATION OR
SAVINGS OR FOR THE CLAIMS OR DEMANDS MADE BY ANY THIRD PARTIES, WHETHER OR NOT
SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. The parties
agree that these limitations and exclusions shall govern even if they cause any
remedy to fail of its essential purpose.

12.3
Disclaimer of Liability for Certain Losses. Notwithstanding anything to the
contrary herein or in any Schedule or other document pertaining to this
Agreement, under no circumstances shall FIS be liable to the extent of any
Losses caused, directly or indirectly, in whole or in part, by: (i) Client; (ii)
a third party, other than FIS's authorized agents; (iii) use of attachments,
content, features, or devices owned or provided by Client or one other than FIS
or FIS’s Affiliate(s); (iv) improper or inadequate conditions at a site that

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

--------------------------------------------------------------------------------

is not in premises owned or leased by FIS or FIS’s Affiliate; (v) improper or
incomplete installation not caused by FIS or its Affiliate(s) or its or their
authorized agents; (vi) any change, reconfiguration, transfer, upgrade, or
relocation performed by one other than FIS or its Affiliate(s) or its or their
authorized agents; (vii) abuse, misuse, alteration or use that is inconsistent
with the terms of the applicable Schedule or this Agreement; (viii) incorrect or
incomplete data or information supplied by Client, its customer(s), or anyone
acting on behalf of Client or its customer(s); (ix) content, data, information,
software, hardware, programs or systems not supplied by FIS or FIS’s
Affiliate(s); (x) a Force Majeure Event; or (xi) any failure, error, act or
omission not directly attributable to FIS or under FIS’s direct control.

13
INSURANCE.

13.1
FIS Insurance. FIS will maintain the insurance coverages stated below during the
Term of each Schedule:

(a)
statutory workers’ compensation;

(b)
employer’s liability insurance in the amount of $1,000,000 per occurrence,
covering bodily injury by accident or disease, including death;

(c)
commercial general liability in the amount of $1,000,000 per occurrence,
$2,000,000 in the aggregate;

(d)
commercial automobile liability covering all vehicles that FIS owns, hires or
leases in connection with the Services in the amount of $1,000,000 (combined
single limit for bodily injury and property damage);

(e)
excess or umbrella liability in the amount of $5,000,000 in the aggregate; and

(f)
crime insurance, with coverage extended to include property of Client in the
care, custody, or control of FIS, or for which FIS is legally liable, with
limits of $5,000,000 per claim and in the aggregate.

Insurers will be A.M. Best rated at A- VIII and certificates of insurance on the
latest ACORD form will be issued upon execution of this Agreement and after each
insurance renewal until expiration or any termination of this Agreement.

13.2
Client Insurance. Client will maintain such insurance coverages of comparable
types and in comparable amounts in order to cover Client’s potential liabilities
under this Agreement with respect to the provision of Client software, use of
Client premises, and other Client Resources and Client obligations involved in
the receipt and use of the Services.

13.3
Limitations and Self Insurance. The foregoing obligations shall not apply as to
any damage caused by the other party’s gross negligence or willful misconduct,
or caused by any third parties. Subject to annual renewal, FIS may satisfy the
above provisions provision by its self-insurance.

14
GENERAL PROVISIONS.

14.1
Notices. Except as otherwise expressly provided under this Agreement or in any
Schedule, all notices, demands or requests or other communications required or
permitted to be given or delivered under this Agreement shall be in writing and
shall be deemed to have been duly given upon receipt by the designated

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

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recipient when delivered in person, by U.S. first-class certified mail (return
receipt requested), or via a reputable air courier or delivery service and
addressed as follows:

If to Client:        Pioneer Financial Services, Inc
4700 Belleview, Suite 300
Kansas City, MO 64112
Attention: Jodi Vickery, Chief Administrative Officer

With a copy to:            MidCountry Financial Corp
500 Northridge Rd, Suite 200
Atlanta, GA 30350
Attn: General Counsel

If to FIS:        Fidelity Information Services, LLC
601 Riverside Avenue
Jacksonville, FL 32204, USA
Attention: Auto Finance – Division Executive & LFI Executive

With a copy to:        Fidelity Information Services, Inc.
601 Riverside Avenue
Jacksonville, FL 32204, USA
Attention: General Counsel

The address to which such notices, demands, request, or other communications are
to be given by either party may be changed by written notice given by such party
to the other pursuant to this Section 14.1. If a communication is permitted to
be received by facsimile, delivery will be effective when sent by confirmed
facsimile transmission and received during normal business hours at the
receiving location (or if received after normal business hours, then effective
the next business day).

14.2
Equitable Remedies. The parties agree that any remedies at law for the breach or
threatened breach of the Article 6 Confidentiality Obligations, Article 7
Intellectual Property or Ownership Rights, or Section 4.3 Non-Solicitation
restrictive covenant may be inadequate, and that the aggrieved party will be
entitled to seek injunctive or other equitable relief without bond in any court
of competent jurisdiction, in addition to and without prejudice to any other
rights or remedies which the aggrieved party may have for such breach or
threatened breach. The party seeking such equitable relief shall not be required
to post a bond, or if a bond is required then the amount of such bond shall not
exceed ten thousand dollars U.S. ($10,000).

14.3
Assignment. Neither party may sell, assign, convey, or transfer, by operation of
law, or otherwise, its rights, interests or delegate any of its obligations
under this Agreement or any Schedule hereto to any person or entity without the
prior written consent of the other party which the other party may withhold in
its sole discretion or may condition, without limitation, upon reasonable
assurances of the assignee’s financial integrity and ability to perform the
assigning party’s obligations of this Agreement. Provided however, that either
party may assign this Agreement in whole (and not in part) in direct connection
with a merger, acquisition, reorganization, change of control, or sale of all or
substantially all of the assets to which the subject matter of this Agreement
relates, by giving such notice to the other party as promptly as reasonably
possible under the circumstances, and only so long as the assignee is not a
competitor of the non-assigning party. Any purported assignment contrary to the
foregoing provisions shall be void and of no effect. Subject to the foregoing,
this Agreement and the Schedules hereto shall bind and inure to the benefit of
the parties, their permitted assigns and successors.

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

--------------------------------------------------------------------------------

14.4
Force Majeure. Neither party shall be held liable for any delay or failure in
performance of its obligations under this Agreement or any Schedule hereto from
any cause, event or condition beyond its reasonable control and without its
fault or negligence (as described and defined herein, “Force Majeure”),
including, but not limited to, act of God, act of civil or military authority,
martial law, government agencies, orders or regulations, delay or failure to
receive required government approvals, embargoes, epidemics, war, terrorist act,
riot, insurrection, civil disobedience, fire, explosion, earthquake, nuclear
accident, flood, power blackout affecting a required facility, unusually severe
weather, inability to secure products or services of other persons or
transportation facilities, act or omissions of transportation carriers, or
delays associated with visa, immigration and/or custom problems (“Affected
Performance”).

14.4.1
Upon occurrence of a Force Majeure cause, event or condition, the party whose
performance is affected shall give written notice to the other party describing
the Affected Performance, and the parties shall promptly confer, in good faith,
to agree upon equitable, reasonable action to minimize the impact on both
parties. The parties agree that the party whose performance is affected shall
use commercially reasonable efforts to mitigate the effects of the Force Majeure
events and recommence the Affected Performance. The other party shall provide
reasonable cooperation to such commercially reasonable efforts.

14.4.2
If delay caused by the Force Majeure lasts for thirty (30) calendar days or
more, the parties shall negotiate an equitable modification to this applicable
Schedule with respect to the Affected Performance. If the parties are unable to
agree upon an equitable modification within fifteen (15) business days after
such thirty (30) cay period has expired, then either party shall be entitled to
serve sixty (60) days’ notice of termination on the other party, only with
respect to the Service affected by the Force Majeure, and FIS shall be entitled
to be paid for that portion of the Service (and if applicable, Affected
Performance) which FIS has completed or is in the process of completing through
the applicable Termination Date. For the avoidance of doubt, any provisions of
the applicable Schedule or this Agreement providing for transition services
related to any termination, subject to the provisions of this Section 14.4,
shall apply in the event of a termination under this subsection 14.4.2.

14.4.3
In any event in which the Affected Performance has been recommenced for sixty
(60) days and neither party has given a termination notice under subsection
14.4.2 above, then neither party shall retain a right to terminate under
subsection 14.4.2, and any remaining claims by either party pertaining to the
Affected Performance shall be resolved by the dispute resolution procedures of
Article 9.

14.5
Time of Performance and Increased Costs. FIS’s time of performance with respect
to Services performed under this Agreement shall be adjusted, if and to the
extent reasonably necessary, in the event that: (a) Client fails to timely
submit data, information or resources in the prescribed form or in accordance
with Client’s obligations of the applicable Schedule or this Agreement,
(b) Client fails to perform on a timely basis the functions or other
responsibilities of Client described in the applicable Schedule or this
Agreement, (c) an Affected Performance prevents timely or complete performance,
(d) Client or any governmental agency authorized to regulate or supervise Client
makes any special request which affects FIS’s normal performance schedule,
(e) Client changes priorities pursuant to a Schedule or this Agreement to an
extent that affects FIS’s performance scope or schedule, or (g) any
Client-provided software or other Client-provided resource does not perform in
accordance with its specifications. In addition, if any of the above occurs and
will result in an increased cost to FIS for providing the affected Service or
Deliverable, Client will be responsible for such increased costs.

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

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14.6
Governing Law. This Agreement and each Schedule are governed by and shall be
construed in accordance with the laws of the State of Florida without regard to
principles of conflict of laws. The prevailing party may be entitled to
reasonable attorneys’ fees (which may be the allocable cost of in-house counsel)
and costs incurred by it in prosecuting or defending such action, in addition to
any other relief to which it may be entitled, which shall be included as a part
of any judgment rendered in such action. In the event of any judicial
proceedings relating to this Agreement or any Schedule, the parties agree
irrevocably to waiver of any claim of right to trial by jury. The parties agree
that the Uniform Computer Information Transaction Act (UCITA) or any version of
UCITA adopted by any state will not govern or be used to interpret this
Agreement, Schedules and SOW; and further agree that the U.N. Convention on
Contracts for the International Sale of Goods does not apply to and will not
govern or be used to interpret this Agreement, Schedules, and Statements of
Work.

14.7
Entire Agreement. This Agreement and each Schedule hereto contains the sole and
entire agreement and understanding of the parties with respect to the entire
subject matter hereof, and supersedes any and all prior and other agreements,
discussions, negotiations, representations, proposals, commitments,
understandings, marketing brochures, sales correspondence, and other
communications, whether oral or written, express or implied, relating to this
subject matter.

14.8
Amendments and Waivers. Neither this Agreement nor any Schedule may be modified
or amended except in writing and signed by the parties hereto. No waiver of any
provisions of this Agreement or any Schedule and no consent to any default under
this Agreement or any Schedule shall be effective unless the same shall be in
writing and signed by an authorized representative of the party against whom
such waiver or consent is claimed. No course of dealing or failure of any party
to enforce strictly any term, right or condition of this Agreement or any
Schedule shall be construed as a waiver of such or any other term, right or
condition. Waiver by either party of any default by the other party shall not be
deemed a waiver of any other, prior, or subsequent default.

14.9
Severability. If any one or more of the provisions contained herein shall for
any reason be held to be unenforceable in any respect under law, such
unenforceability shall not affect any other provision of this Agreement, but
this Agreement shall be construed as if such unenforceable provision or
provisions had never been contained herein, provided that the removal of such
offending term or provision does not materially alter the burdens or benefits of
either of the parties under this Agreement or any Schedule hereto. The parties
will negotiate in good faith a replacement provision if any material provision
of this Agreement, a Schedule or SOW is held unenforceable.

14.10
Third Party Beneficiaries. The provisions of this Agreement and each Schedule
are for the benefit of the parties and not for any other person; they do not
confer or create any third-party beneficiary rights. Should any third party
institute proceedings, this Agreement and the Schedules hereto and performance
hereunder shall not provide any such person with any remedy, claim, liability,
reimbursement, cause of action, or other right.

14.11
Government Restricted Rights. FIS will not under this Agreement provide Services
or Deliverables to or in support of a governmental entity unless the parties
expressly agree otherwise.  In all events, however, and notwithstanding anything
to the contrary, the following terms will apply:  As defined in Federal
Acquisition Regulation ("FAR") section 2.101, Defense Federal Acquisition
Regulation ("DFAR") section 252.227-7014(a)(1) and DFAR section
252.227-7014(a)(5) or otherwise, any software, programs, and technical data that
may be provided or used in connection with this Agreement, and any accompanying
documentation, are "commercial items," "commercial computer software" and/or
"commercial computer software documentation."  Consistent with FAR section
12.212 (48 C.F.R. 12.212) (Computer Software) and 12.211 (48 C.F.R. 12.211)
(Technical Data) of the FAR and its successors (as to civilian agencies),

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Master Services Agreement

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48 C.F.R. 227.7202-3 of the DFAR Supplement and its successors (as to the U.S.
Department of Defense and any agency therein), any use, modification,
reproduction, release, performance, display, disclosure or distribution thereof
by or for the U.S. Government or any agency thereof shall be governed solely by
the terms of this Agreement and subject to FIS’s obligations to its licensors
(and as to any provided by FIS licensors, prohibited except to the extent
expressly permitted by such licensors).  Client will ensure that any copy used
or possessed by or for the U.S. Government is labeled to reflect the foregoing.
 The parties recognize that state and local governments are not bound by the
FAR.  If state or local governments will not accept the provisions of FAR 12.211
and 12.212 in their licenses, then before making any such item available, Client
will give FIS the option of precluding Client from making it available to such
state or local government. Contractor is: Fidelity Information Services, LLC,
601 Riverside Avenue, Jacksonville, Florida 32204.

14.12
Interpretation. The headings and numbering of sections in this Agreement and
each Schedule hereto are for convenience only and shall not be construed to
define or limit any of the terms or affect the scope, meaning or interpretation
of this Agreement and each Schedule or the particular section to which they
relate. This Agreement and each Schedule hereto and the provisions contained
herein and therein shall not be construed or interpreted for or against any
party because that party drafted or caused its legal representative to draft any
of its provisions. If there is a conflict between the provisions of a Schedule
and this Agreement, the provisions in the Schedule shall govern with respect to
the Services under such Schedule, provided that nothing in a Schedule or any
other document pertaining to a Schedule or this Agreement or the Services shall
operate to alter any provisions of Articles 6, 7, 11, 12, or 14 (Confidentiality
Obligations; Intellectual Property, Ownership and Use Rights; Indemnification;
Limitations of Liability; and the General Provisions).

14.13
Executed in Counterparts. This Agreement and each Schedule may be executed in
two or more counterparts, each of which shall be an original, but all of which
together shall constitute one and the same instrument. This Agreement may be
executed by electronic or facsimile signatures if transmitted in a manner such
that the signatures can be seen, and such signatures will bind each party as if
they were original signatures.

IN WITNESS WHEREOF, this Agreement has been executed by the undersigned
representatives of the parties, thereunto duly authorized, as of the Effective
Date.

FIDELITY INFORMATION SERVICES, LLC
 
PIONEER FINANCIAL SERVICES, INC.
By:
 
 
By:
 
Name:
 
 
Name:
 
Its (Title):
 
 
Its (Title):
 
Date signed:
 
 
Date signed:
 

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(PID # 224877)        ______ initials _______initials    

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Proprietary and Confidential Information – Fidelity Information Services,
LLC    Page 31 of 35

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

This Schedule A – FIS’s proprietary Origenate® and PortfolioRevue Application
Service Provider (ASP) Services (“Schedule A”) to the Master Services Agreement
between Pioneer Financial Services, Inc. of Kansas City, Missouri (“Client”) and
Fidelity Information Services, LLC (“FIS”) is made effective as of the Services
Effective Date stated in the Agreement. The Term of this Schedule is as defined
in the Agreement. By entering into this Schedule A under the Agreement, Client
has engaged FIS to provide the use of FIS’s Service using FIS’s proprietary
Origenate® and PortfolioRevue programs, utilizing the FIS system platform hosted
by FIS for the provision of these Services to Client, as more particularly
described in this Schedule, for the fees and charges and upon the terms and
conditions set forth below and in the exhibits to this Schedule. Unless
otherwise defined herein, capitalized terms used in this Schedule A shall have
the meaning assigned to them in the Agreement. The following exhibits are
incorporated under this Schedule:

•
Exhibit A – Services Descriptions

•
Part A – Origenate® Service Descriptions

•
Part B – PortfolioRevue Service Descriptions

•
A-1 Hosting and Maintenance Provisions

•
A-2 Credit Bureau Attributes

•
A-3 Carleton SmartCalcs

•
A-4 Carleton SmartDocs

•
Exhibit B – Service Levels

•
Exhibit C – Charges

PART A: Origenate® – Service, Terms and Conditions

1.     Definitions. In addition to the capitalized terms defined in the
Agreement and elsewhere in this Schedule A, the following definitions apply to
these capitalized terms for the Service:

1.1    “Authorized Credit Aggregation Network” means a network that allows
credit application be taken from an origination source such as an auto dealer,
and allows it to be forwarded to a number of funding sources and is processed in
multiple ways. A credit aggregator can take applications from consumers or third
parties.

1.2    “Billing Month” means the period of time between the twenty-fifth (25th)
calendar day of the month through the twenty-fourth (24th) calendar day of the
immediately successive month.

1.3    "Booked Loan" is a Credit Application where the Credit Decision was
ultimately an approved Loan that is booked and funded with an anticipated
disbursement date which is created by Client through the Service.

1.4     “Contract Processed” means an approved contract that is logged into the
contract processing module of the Service, regardless of whether such contract
ultimately becomes funded.

1.5    “Configuration Specifications Workbook” means the document containing the
written responses, sample expected deliverables, and any Client specified and
approved requirement definitions provided by Client relating to its specific
business needs, and which includes the score card specifications and the
interface specifications as well as Client’s selected configuration requirements
and specifications for the Service and which upon approval and execution by
Client will be incorporated within the Implementation Specifications Document
(defined below)

1.6    “Credit Application” means information submitted to the Service in
connection with a request for a Credit Decision.

1.7    “Credit Decision” means a preliminary or final assessment, analysis or
determination with respect to: (a) whether to make, purchase or sell a Loan, (b)
whether the making, purchasing or selling of a Loan satisfies certain criteria,
or a policy or rule, or (c) the credit worthiness of an applicant for a Loan.

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 1 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

1.8     “Consumer Web Portal” means an internet-accessible portal provided by
FIS, and may also mean an internet-accessible portal provided by Client for
purposes of the Service, made available to the consumers who are Permitted Users
(as defined below).

1.9    “Data” means information transmitted in electronic form by Client or its
customer through the Service, including, without limitation, any credit
applications, credit reports, electronic contracts or information whether
provided directly or indirectly. Client and FIS may from time to time, with
written consent from the other, add additional data fields to, or delete certain
data fields from the Data accessed through the Service. These fields will be
included in the term “Data”.

1.10    “Databases” means the databases used with the Origenate and
PorfolioRevue Services to store Data and Client Configuration.

1.11    “Data Center” means the area of the building or buildings where the
System is physically located including all required equipment to support the
system.

1.12    “Detailed Project Plan” means the written plan identifying the steps
necessary for the configuration, delivery, installation, and testing of the
Service, including a schedule of milestones and/or tasks with due dates and
owners that will be jointly developed by all of the project stakeholders and
will be maintained by the Parties’ Relationship Managers.

1.13    “Equipment” means any hardware, router, mechanism, device, or software
used in connection with the Service, excluding the Service itself.

1.14    “External Site” means Equipment sites or web sites used by or on behalf
of a third party to transmit data to, or receive data from, the Service.

1.15    “Implementation Specifications Document” means the document prepared by
FIS and provided to Client in accordance with SOW 01 which identifies the
approved detailed business requirements, approved data requirements for reports,
the approved Product Enhancement Documents (also referred to as PEDs) and the
approved Detailed Project Plan and the approved Configuration Specifications
Workbook submitted by Client to FIS.

1.16    “Loan” means a retail auto loan or other secured (by personal property)
or unsecured, direct or indirect, retail closed-end consumer loan (other than
any type of line of credit) to a person or entity, with a fixed term where the
funds cannot be re-borrowed.

1.17    “Network” when used as a term by itself means the Equipment and, when
applicable, telecommunications and/or internet circuits operated by FIS to run
the System and to provide Client remote access to the Service.

1.18    “Origenate® Service” means the use of Origenate® Service components,
interfaces and modules, as well as the third-party components, identified in
Exhibit A and used by Client, as provided by FIS to Client as described in and
subject to the terms and conditions of this Schedule A.

1.19    “Permitted Users” for purposes of this Schedule A means Client’s
employees, Client’s retailer customers and potential retailer customers in the
United States, as well as consumers who are customers or potential customers of
Client or of Client’s retailer customers who access and use the Service through
the Consumer Web Portal or through Client’s retailer customers. For purposes of
this Schedule A, “employee” as used in the definition of “Permitted Users” means
individuals who are employed by and involved in the functions of Client detailed
in Exhibit A.

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 2 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

1.20    “PortfolioRevue Service” means the use of PortfolioRevue Service
components, interfaces and modules, as well as the third-party components,
identified in Exhibit A Part B and used by Client, as provided by FIS to Client
as described in and subject to the terms and conditions of this Schedule A Part
B.

1.21    “Service Documentation” means the Origenate Service Implementation
Specifications Document, PortfolioRevue Data and Configuration Specifications
Document. and any other written or electronic documentation provided by FIS to
Client or its Permitted Users for use in connection with the Service.

1.22    ”Service Error” means a material documented instance of the Service not
performing in accordance with the Implementation Specifications Document and
Service Documentation, but does not included any instance caused by any
condition or event set forth in Exhibit B, Section 5.

1.23     “Service Levels” means the Service Levels in Exhibit B and procedures
set forth in Exhibit B and which may be modified during the Term as stated
therein.

1.24    “System” means FIS’s Origenate® Service and PortfolioRevue Service
programs, related interfaces and programs, and all Equipment, Network, and
computing devices provided or used by FIS in order to provide the use of the
Service to Client on an application service provider basis in accordance with
this Schedule A.

2. Use Rights. Subject to all of the terms and conditions of this Schedule A
under the Agreement, FIS will provide Client and its Permitted Users use of the
Service in accordance with this Schedule A for the applicable fees and charges
stated herein during the Term, on a non-exclusive, non-transferable (subject to
a permitted assignment of the Agreement) basis. Each of the following
subsections is a condition of the use by Client and its Permitted Users of the
Service under this Schedule A:

2.1     Scope of Use. Client and its Permitted Users will use the Service
exclusively for the line of business identified in Exhibit A, and only in
connection with Loans, or Credit Applications for Loans booked and funded in the
U.S.A. by Client or its Permitted Users. In addition, Client and Permitted Users
will not:

(a)     Provide any third party access to or use of the Service or System, or
otherwise operate the Service in a service bureau environment;

(b)     Use the Service to make any Credit Decision for a third party, or use
the Service to provide any other services to a third party;

(c)     Use the Service for any accounts or potential accounts not based in the
United States, or use the Service to process a Credit Application for a
financial institution domiciled outside the United States; or to process a
Credit Application for a foreign branch office of a domestic financial
institution; for the avoidance of doubt Client may take an application for a
member of a US military armed services who are based outside the US as long as a
US Equifax, Experian or TransUnion credit bureau is used in conjunction with the
applicant’s US address; or

(d)    Reverse engineer the Service or otherwise obtain any source code of the
Service or the System.

2.2     Databases. Client may not modify the Service’s Databases, or add to,
modify or delete any data in the Service’s Databases, except through permitted
use of the Service in accordance with the Service Documentation and
Implementation Specifications Document or in accordance with FIS’s written
permission, directions, specifications and requirements. However, Client may
execute certain independent routines or software (such as report generating
software) that access and/or extract data from the Origenate database provided
that such routines are restricted to read-only access to the Origenate database.

2.3     Permitted User Compliance. Client is responsible and liable for damages
for any failure by a Permitted User to comply with this Schedule A.

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 3 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

2.4     Independent Contractors. In addition, Client is authorized to permit
independent contractors who perform services for Client to use the Service for
purposes of their services to Client, provided that such independent contractors
are subject to confidentiality and intellectual property right restrictions
regarding FIS’s Confidential Information and intellectual property rights which
are at least materially as stringent as those established under this Schedule
and the Agreement.

2.5    Third Party Compliance. Client is responsible for compliance by it and
its Permitted Users with the terms and conditions of each third party who
provides any Third Party Service in connection with this Schedule, and will be
liable to such third party(ies) for any failure by Client any of its
Affiliate(s) (if applicable), and any of its Permitted Users to comply with such
third-party terms and conditions.

3.     Implementation. The Parties will implement the Services, utilizing the
specifications outlined in the Implementation Specifications Document, as
outlined in SOW 01- Implementation Services.

4.     Interfaces. Client must use the Service and any interface that
accompanies it as described in the Service Documentation.

4.1     Standard Interfaces Accompanying the Service. The Service will be
delivered to Client with certain standard interfaces as identified in Exhibit A
(“Standard Interfaces”).

4.2    Other Interfaces. Client may request and use other interfaces with the
Service that are not Standard Interfaces (“Other Interfaces”) and are not
included as of the Effective Date. Client may request Other Interfaces, provided
such requests will be deemed Change Requests for additional Services under the
Agreement and mutually agreed under one or more Statements of Work under the
Agreement and with reference to this Schedule.

5.    Client Responsibilities.

5.1
Notwithstanding anything to the contrary in this Schedule A, Client remains
solely responsible for selection of the Service’s configuration and selection of
any interface with External Sites. Client will fulfill its responsibilities
under this Schedule A including all exhibits for access to and use of the
Service.

5.2
Payments and Payment Terms. FIS’s obligations and Client’s rights under this
Schedule A are conditioned upon Client’s compliance with all applicable payment
obligations in the Agreement and this Schedule A, including without limitation
those set out in Exhibit C.

5.3
Client is solely responsible for:

(a)
Client’s use, and (except for FIS’s responsibilities hereunder) operating and
maintaining of the Service;

(b)     The content and form of any data entered into the Service; and

(c)    Cooperation with FIS as reasonably requested by FIS so that FIS may
provide the Service and provide service levels and support as described in this
Schedule.

5.2
Representations and Warranties. Client represents and warrants to FIS that no
use that Client or any Permitted User makes of the Service or of any data or
other information entered into the Service by or on behalf of Client or any
Permitted User violates or will violate any: (1) any right of any third party or
person, including without limitation any privacy or confidentiality right, or
(2) law or regulation, including without limitation any privacy, consumer credit
or fair trade practices law or regulation.

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 4 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

5.5
ALL DATA AND INFORMATION PROVIDED BY FIS THROUGH THE SERVICE ARE PROVIDED ON AN
“AS IS, AS AVAILABLE” BASIS, WITHOUT EXPRESS OR IMPLIED WARRANTIES OF ANY KIND.

5.6
Client acknowledges and agrees that FIS is not a “credit-reporting agency” or
“reseller” as defined in the Federal Fair Credit Reporting Act or any similar
state law or regulation.

6.
Transaction Billing Data. FIS may access the Service and its databases in order
to extract data relating to Credit Application volume, Loan volume, or other
transaction data. The extracted data may be used among other things in
determining Client’s financial obligations under this Schedule A. In addition,
Client may be required to supply certain reports to FIS regarding Service usage.

7. Exhibits and Addenda. Each exhibit, attachment or addendum to this Schedule A
as of the Effective Date, or added subsequently by mutual agreement of the
parties, is incorporated into this Schedule A by reference.

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 5 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

PART B: PortfolioRevue – Service, Terms and Conditions

1.
Definitions. Terms not defined in this PortfolioRevue this Part B
(“PortfolioRevue Service, Terms and Conditions”) shall have the same meaning as
set forth previously in Schedule A Part A or in the Schedule, unless otherwise
specified. The following definitions apply specifically to the capitalized terms
of these PortfolioRevue Service terms and conditions:

1.1     “Data and Configuration Specifications Document” means the document,
prepared by FIS and signed by Client in accordance with SOW1-Implementation
Services, identifying Client’s configuration of PortfolioRevue Service and the
processing of Data into PortfolioRevue Service.

1.2    “Loan Origination Data” means Data from Origenate Service.

1.3    “Loan Servicing Data” means Data from data from AutoSuite Automotive
Finance (as provided by FIS to Client under Schedule C to the Agreement).

1.4    “PortfolioRevue Service” means PortfolioRevue Service components and
modules provided by FIS to Client and identified in Exhibit A to this Schedule
A.    

2. Use of the Service. Subject to all of the terms and conditions of this
Schedule A Part B, Client may use the Services utilizing the PortfolioRevue
Service during the Term. Each of the following subsections is also a condition
of this use right:

2.1     Scope of Use. Client will use the PortfolioRevue Service exclusively for
the line(s) of business identified in Exhibit A, and only in connection with
Loans booked and funded by Client or Loans being considered for acquisition by
Client. In addition, Client will not use the PortfolioRevue Service to:

(a)
monitor or evaluate loan portfolios for a third party, or

(b)
provide any other services to a third party.

2.2     PortfolioRevue Service Database. FIS will provide, and Client will
authorize, daily extracts of Client Loan Origination Data from Originate and at
a minimum, monthly extracts of Loan Servicing Data from AutoSuite, along with
control totals to verify loading of data into the PortfolioRevue database.
Client agrees to provide extracts of data from legacy customer system. If the
Data being provided to FIS is not owned by Client, Client agrees to obtain
written consent from the Data owner for FIS to load Client’s Data to the
PortfolioRevue Service Database.

3
Specifications. FIS will provide written Data specifications to Client. Client
agrees to provide Data to FIS in accordance with FIS’s standard documentation.
Any unique processing of Client’s Data will be documented in writing to Client
and Client will provide written approval of unique processing specifications.

4.     Interfaces.

(a)     Standard Interfaces Accompanying the PortfolioRevue Service. The
PortfolioRevue Service will be delivered to Client with certain standard
interfaces as set forth in Exhibit A Part B (“Standard Interfaces”).
(b)    Other Interfaces. Client may use other interfaces with the PortfolioRevue
Service that are not listed as Standard Interfaces above (“Other Interfaces”),
provided Client complies with this Schedule A, including but not limited to the
following provisions:

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 6 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

(i)    Client must submit a service request to FIS and purchase or obtain rights
from FIS for the configuration, development or use of any interface with
PortfolioRevue that does not routinely accompany PortfolioRevue as provided to
Client under this Schedule and identified in Exhibit A;
(ii)    The interface must comply with FIS’s interface specifications.
(iii)    Requests for Other Interfaces will be deemed Change Requests for
additional Services under the Agreement and mutually agreed in writing under one
or more Statements of Work under the Agreement and with reference to this
Schedule

5.    Terms and Conditions. Except to the extent indicated otherwise in this
Part B, the terms and conditions stated in Part B of this Schedule A pertain to
the PortfolioRevue Service components described in this Part B of Schedule A,
and to all aspects of Client’s use and responsibilities pertaining to the
PortfolioRevue Service components.. Without limitation of the foregoing: ALL
DATA AND INFORMATION PROVIDED THROUGH THE PORTFOLIOREVUE SERVICE ARE PROVIDED ON
AN “AS IS, AS AVAILABLE” BASIS, WITHOUT EXPRESS OR IMPLIED WARRANTIES OF ANY
KIND. 

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 7 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

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EXHIBIT A - PART A

Origenate®
SERVICE DESCRIPTIONS

1.    Origenate® Service Components and Modules.

1.1    Components and Modules: Origenate Credit Decisioning and Contract
Processing Modules, Version 8.8.

1.2    Upgrades: Certain releases, upgrades, configurations, enhancements or
modifications when provided by FIS for Client’s use. While standard upgrades are
included, Client recognizes that implementation of upgrades typically entails
professional services provided by FIS, including but not limited to
configuration services associated with an upgrade, and Client acknowledges that
with respect to major version upgrades FIS shall be entitled to charge Client
for such services on a time and materials or similar basis. For clarification
purposes, an upgrade to Version 9.0 would be considered a major upgrade.

2.    Standard Interfaces.

(a)     Credit Bureau Interface. The Service is accompanied by an interface
developed and provided by FIS, which allows Client to communicate with third
party credit bureaus (“Credit Bureau Interface”). Client may elect to receive
credit reports from the third party credit bureaus through the Service’s
standard Credit Bureau Interface. If Client makes such an election, use of the
Credit Bureau Interface is subject to the terms and conditions of Client’s
agreement with the third party credit bureaus. FIS does not have any
responsibility for procuring or complying with that agreement, or for verifying
that such agreement has been executed. Client must supply and use its credit
bureau subscriber number and other required information to retrieve credit
reports through the Credit Bureau Interface. Client must pay to each third party
credit bureau directly any fees and costs that the third party credit bureau
charges. Client acknowledges and agrees that FIS is not a “credit-reporting
agency” or “reseller” as defined in the Federal Fair Credit Reporting Act or any
similar state law or regulation.

(b)     Carleton SmartCalcs Interface. The Service is accompanied by an
interface developed and provided by FIS, which allows Client to communicate with
the Carleton SmartCalcs software (“Carleton SmartCalcs Interface”). The Carleton
SmartCalcs Interface is defined in the SOW 01 and Implementation Specification
Document. Client may elect to utilize the Carleton SmartCalcs Interface subject
to the following conditions:
(1)
Client is responsible for establishing and maintaining an agreement with
Carleton for the use of Carleton SmartCalcs software service; and

(2)
Complying with the terms and conditions of the Carleton SmartCalcs terms
attached as Exhibit A-3 to this Schedule A.

(c)     Carleton SmartDocs Interface. The Service is accompanied by an interface
developed and provided by FIS, which allows Client to communicate with
Carleton’s SmartDocs™ to create certain lending documents associated with
funding a Loan ( “Carleton SmartDocs Interface”). The Carleton SmartDocs
Interface is defined in the SOW 01 and Implementation Specification Document and
furthermore if the Client elects to use Hudson Cook (HC) compliance document
with Carleton SmartDocs, then the HC documents will be governed by a separate
agreement between Client and HC, and HC or Client will be responsible for the
compliance of the document. Subject to the foregoing, FIS will use commercially
reasonable efforts to pass the Data to the Carleton SmartDocs and cause Carleton
to be responsible to

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 8 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

have the variable Data presented on the documents as defined and agreed to by
Client. Client may elect to utilize the Carleton SmartDocs Interface subject to
the following conditions:
(1)
Complying with the terms and conditions of the Carleton SmartDocs terms attached
as Exhibit A-4 to this Schedule A.

(d)     Optional Standard Interfaces: Origenate® supports additional Standard
Interfaces to third parties such as *****. If in the future Client requests the
use of Standard Interfaces not included in SOW 01 and/or the Implementation
Specification Document, the request will be deemed Change Requests for
additional Services under the Agreement and mutually agreed in writing under one
or more Statements of Work under the Agreement and with reference to this
Schedule.

3.    Lines of Business. Client’s lines of business are those operations of
Client for consumer Loans for Permitted Users as those terms are defined in
Schedule A, when the consumers are customers of Client or of Client’s retailer
customers.

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 9 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

EXHIBIT A - PART B

PortfolioRevue
SERVICE DESCRIPTIONS

1. PortfolioRevue Service Components and Accompanying Interfaces. Pursuant to
the terms of this Schedule A Exhibit A including but not limited to the
PortfolioRevue and the applicable pricing indicated in Exhibit C (Charges), FIS
will provide the following to Client with the PortfolioRevue Services:

1.1
PortfolioRevue. FIS’s PortfolioRevue as configured and implemented for Client in
accordance with SOW1-Implementation Services and the Data and Configuration
Specifications Document .

1.2
Upgrades. Certain releases, upgrades, configurations, enhancements or
modifications of the PortfolioRevue Service when provided by FIS for Client’s
use.

1.3
Credit Bureau Interface. The PortfolioRevue Service is accompanied by an
interface developed and provided by FIS, which allows Client to communicate with
Third Party credit bureaus in the United States (“Credit Bureau Interface”) in a
batch mode (processing time of approximately seventy-two (72) business hours).
Client may elect to receive credit attributes to review the credit worthiness of
the person(s) associated with a current Loan from the Third Party credit bureaus
through the PortfolioRevue Service’s standard credit bureau interface. If Client
makes such an election, use of the Credit Bureau Interface is subject to the
terms and conditions of Client’s agreement with the Third Party credit bureaus.
FIS does not have any responsibility for procuring or complying with that
agreement, or for verifying that such agreement has been executed. Client must
supply and use its credit bureau subscriber number and other required
information to retrieve Credit Bureau Attributes through the Credit Bureau
Interface. Client must pay to each Third Party credit bureau directly any fees
and costs that the Third Party credit bureau charges. Client acknowledges and
agrees that FIS is not a “credit-reporting agency” or “reseller” as defined in
the Federal Fair Credit Reporting Act or any similar state law.

2.    Lines of Business. Client’s lines of business are those operations of
Client for consumer Loans for Permitted Users as those terms are defined in
Schedule A, when the consumers are customers of Client or of Client’s retailer
customers.

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 10 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

EXHIBIT A-1

HOSTING AND MAINTENANCE PROVISIONS
Origenate® Service and PortfolioRevue Service

1. Definitions. In addition to the capitalized terms defined in this Hosting and
Maintenance Provisions Exhibit, capitalized words have the same meaning as in
this Schedule A.

2. Hosting Services. FIS will host the Service for Client in accordance with the
following:

2.1 Remote Access. FIS will provide Client remote access to the Service in
accordance with the Service Levels in Exhibit B.

2.2 Unscheduled Outages. FIS will monitor the System and Service for Unscheduled
Outages as set forth in the Service Levels in Exhibit B. FIS will take the steps
necessary to correct any Unscheduled Outage. Each Unscheduled Outage will be
addressed in accordance with the priority levels and procedures described in the
Service Levels in Exhibit B.

2.3 Security. FIS will provide security for the System and the Service as set
forth in the Service Levels in Exhibit B. Client is responsible for using the
security tools provided by FIS with the Service. Client is also responsible for
additional security outside the Data Center as deemed necessary by FIS in its
sole discretion.

2.4 Data Backup. FIS will perform data backup as set forth in the Service Levels
in Exhibit B. Client is responsible for paying FIS for expenses and costs
associated with any additional backup. FIS has no responsibility or liability
for failure, redundancy or disaster recovery, except as set forth in the Service
Levels in Exhibit B.

2.5 Import/Export Utility. FIS is available to perform the import/export
functions set forth in the Service Levels in Exhibit B on a time and materials
basis at its then current rates.

3. Service Support.

3.1 Error Correction. FIS will take reasonably necessary steps to correct any
Service Error at FIS’s sole cost and expense. Each Service Error will be
addressed in accordance with the priority levels and procedures described in the
Service Levels in Exhibit B.

3.2 Customer Support. FIS will provide customer support for the Service in
accordance with Service Levels in Exhibit B. Client is entitled to an unlimited
number of hours of customer support without additional charge for *****
beginning the first day after the commencement date.. After the ***** period
concludes, Client is entitled to ***** of customer support per month (“Base
Support”) without additional charge. Client will be charged for any customer
support provided by FIS beyond the Base Support at FIS’s then contract rates
unless the support is to correct Service Errors.

3.3
Additonal Support and Development Services. FIS will provide ***** of additional
support services or development services to Client without additional charge
beginning on the commencement date to be used during the Term.

4. Client Responsibilities. As a condition of this Schedule A, Client agrees to
the following:

4.1 Connectivity and Use. Client must fulfill its responsibilities for
connectivity and use as set forth in the Service Levels in Exhibit B.

--------------------------------------------------------------------------------

Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

--------------------------------------------------------------------------------

(PID # 224877)         Page 11 of 34

--------------------------------------------------------------------------------

Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

4.2 Notice of Service Errors and Unscheduled Outages. Client must notify FIS of
any Service Error or Unscheduled Outage in accordance with the Service Levels in
Exhibit B.

4.3 Support Requests. Client must request customer support in accordance with
FIS’s Service Levels in Exhibit B.

4.4 Client Representative. Client will identify to FIS in writing two (2)
individuals (1 primary person and 1 alternate person) to serve as Client’s
contacts for maintenance and service matters. Only the identified individual
will be authorized to request FIS’s services under the Service Levels in Exhibit
B. Client may identify additional or different support contacts by prior written
or e-mail notice to FIS.

4.5 Problem Determination and Remediation Procedures. Prior to requesting FIS
correct any condition, Client will perform problem determination procedures to
determine whether the condition is FIS’s responsibility under this Schedule A.

4.6 Cooperation. Client will cooperate with FIS as reasonably requested by FIS
so that FIS may implement the Service and provide maintenance, support and
service as promised under this Schedule A.

5. Excluded Conditions. FIS is not responsible or liable for any result due to:

5.1 Third Party Equipment. Equipment that is not part of the System, including
without limitation any External Site or Client’s Equipment used to access the
Service;

5.2 Client-Supplied Equipment. Equipment provided by or on behalf of Client to
be used as part of or in connection with the Service;

5.3 Telecommunications. Telecommunications outside the System. Notwithstanding
the foregoing, FIS will use commercially reasonable efforts to work with
Client’s and FIS’s Internet service or telecommunications provider when such
provider is correcting any interruption of Client’s access to the Service due to
telecommunication connectivity problems within the provider’s control. The cost
of such telecommunications is Client’s responsibility.

5.4 Client Failure. Failure by Client to: (a) comply with the Schedule A, (b)
comply with the Service Levels in Exhibit B or (c) use a reasonable correction
or solution supplied by FIS to Client; or

5.5 Unauthorized Use. Unauthorized use of the Service or System under this
Schedule A or use of the Service inconsistent with the Implementation
Specifications Document.

6. Changes to Service Levels in Exhibit B. Upon prior written notice to Client,
FIS may change the Service Levels in Exhibit B from time to time, as long as the
change does not reduce the level of service provided by FIS, or substantially
increase the technical requirements for Client’s access to or use of the
Service.

--------------------------------------------------------------------------------

Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

--------------------------------------------------------------------------------

(PID # 224877)         Page 12 of 34

--------------------------------------------------------------------------------

Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

EXHIBIT A-2

Credit Bureau Attributes

Client is responsible for all charges, expenses and fees set forth in Exhibit C,
Section 3 with respect to credit bureau attributes. In addition Client agrees to
the terms and conditions set forth in this Exhibit A-2.

Client warrants that it has signed a Credit Repository agreement with the
following Credit Repositories:

(Client to fill in)

--------------------------------------------------------------------------------

Furthermore, Client agrees that it will supply and use the respective access
codes for each Credit Repository and other required information to retrieve
Credit Bureau Attributes through the Credit Bureau Interface.

Client must pay to each Credit Repository directly any fees and costs that the
Credit Repository charges. Client acknowledges and agrees that FIS is not a
“credit-reporting agency” or “reseller” as defined in the Federal Fair Credit
Reporting Act or any similar state law. Client agrees that FIS does not bear any
responsibility to Client, its Affiliates (if applicable) or Permitted Users for
any errors or omissions in the Credit Bureau Attributes or the information
contained therein.

ACCEPTED AND AGREED:

PIONEER FINANCIAL SERVICES, INC.
(“Client”)

                        
Signature

                        
Print Name/Title

                        
Date

--------------------------------------------------------------------------------

Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

--------------------------------------------------------------------------------

(PID # 224877)         Page 13 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

EXHIBIT A-3

Carleton SmartCalcs

FIS has entered into an agreement with Carleton Inc. (“Carleton”) whereby FIS is
granted the right to sublicense the Carleton SmartCalcs software (“Carleton
SmartCalcs”) to Client. Client wishes to sublicense the Carleton SmartCalcs from
FIS to Use (defined below) with the Service FIS provides to Client under this
Schedule A.
        
Terms and Conditions

1.     Definitions. Terms not defined in this Exhibit A-3 shall have the same
meaning as set forth in the Schedule A, unless otherwise specified herein.

1.2     “Use” means for purposes of this Exhibit A-3, using the Carleton
SmartCalcs calculations to compute loan payment calculations in connections with
Loan processing and decisioning through the Service.
    
2. Use. Subject to all of the terms and conditions of this Exhibit and subject
to Client’s payment of any fees described in Exhibit C below and Client’s
compliance with the terms and conditions of the Schedule A under the Agreement,
FIS grants Client, and Client accepts, a limited, personal, non-exclusive,
non-transferable (except as part of a permissible assignment of the Agreement),
sublicense, to use the Carleton SmartCalcs with the Service during the Term of
the Agreement. Each of the following subsections is a condition of this use:

2.1     Scope of Use. Client will Use the Carleton SmartCalcs exclusively for
the line(s) of business identified in the ASP Schedule Exhibit A and only in
connection with Loans booked and funded by Client or Loans being considered for
acquisition by Client. In addition, Client will not Use the Carleton SmartCalcs
to provide any services to a third party.
  
2.2     Carleton SmartCalcs. Client agrees to comply with this Schedule A.

2.3    Client’s Use of the Carleton SmartCalcs shall be within the scope of use
conditions and restrictions applicable to Client’s use of the Service set forth
in the Origenate and PortfolioRevue Servicing Schedule.

3. Implementation Specifications Document. FIS will configure the Carleton
SmartCalcs in accordance with the Implementation Specifications Document. An
authorized representative of each party must sign any changes to the
Implementation Specifications Document associated with the Carleton SmartCalcs.
Client acknowledges that with respect to the implementation of Carleton
SmartCalcs, any changes after initial sign-off of the Implementation
Specifications Document may result in additional configuration charges to the
Client, for which Client hereby agrees to pay FIS. Client also agrees and
understands that:

(a)
FIS will provide the first line of support and will ensure that Carlton
cooperates with FIS to provide training and additional second level line of
support;

(b)
FIS will work with Carleton to develop and implement the requirements provided
by Client set forth in the Implementation Specifications Document.

4. Fees. The use of Carleton SmartCalcs is outlined and described in Exhibit C.

5. Use Restrictions. Client agrees that its Use of the Carleton SmartCalcs is
contingent on Client’s acknowledgment and agreement by Client’s signature
hereunder that the Carleton SmartCalcs are the sole property of Carleton and are
subject to valid intellectual property rights. Carleton retains ownership of
such intellectual property rights as a Third Party Solution provider; all rights
not expressly granted herein are reserved. Client acknowledges and agrees that
Carleton shall retain the right to enforce this Exhibit A-3 for its benefit as
the owner of these rights.

--------------------------------------------------------------------------------

Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

--------------------------------------------------------------------------------

(PID # 224877)         Page 14 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

Except as expressly set forth in this Schedule, Client acknowledges and agrees
that FIS does not bear any responsibility, in whole or in part, to Client, its
Affiliates, or its or their Permitted Users for any errors or omissions in the
Carleton SmartCalcs, its respective databases or software program operations or
any of the information contained therein.

6. WARRANTY DISCLAIMER; LIMITATION OF LIABILITY. EXCEPT AS EXPRESSLY SET FORTH
HEREIN, THE WARRANTY DISCLAIMER SET FORTH IN THE AGREEMENT AND SCHEDULE A
APPLIES TO THE CARLETON SMARTCALCS AND IS INCORPORATED HEREIN BY REFERENCE AS IF
FULLY SET FORTH IN THIS SECTION 6.

THE LIMITATION OF LIABILITY SET FORTH IN THE AGREEMENT APPLIES TO THE CARLETON
SMARTCALCS AND IS INCORPORATED HEREIN BY REFERENCE AS IF FULLY SET FORTH IN THIS
EXHIBIT A-3.

6. Term; Termination. The Term and termination provisions for this Exhibit A-3
are the same as those applicable to Schedule A.

ACCEPTED AND AGREED:

PIONEER FINANCIAL SERVICES, INC.
(“Client”)

                            
Signature

                        
Print Name and Title                    

                            
Date                             

--------------------------------------------------------------------------------

Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

--------------------------------------------------------------------------------

(PID # 224877)         Page 15 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

EXHIBIT A-4

Carleton SmartDocs
    
FIS has acquired certain rights by Carleton Inc. (“Carleton”) to access, use and
integrate the Carleton SmartDocs (defined below) into FIS’s proprietary
Origenate® Service. Client wishes to use the Carleton SmartDocs (defined below)
and the Hudson Cook Inc. (“HC”) Forms (the “HC Forms” defined below in Section
1.2) via Origenate integration with Carleton SmartDocs Interface.

Client will enter into a separate agreement with HC granting Client a right to
access and use the HC Forms (“HC Agreement”).

FIS is willing to deliver and provide the Carleton SmartDocs to Client in
accordance with the terms and conditions of this Exhibit A-4.

Terms and Conditions

1. Definitions. Terms not defined in this Exhibit A-4 shall have the same
meaning as set forth in Schedule A, unless otherwise specified. In addition to
the capitalized terms defined elsewhere in Schedule A, the following definitions
apply specifically to the capitalized terms of this Exhibit A-4.

1.1 “Carleton SmartDocs” means, the Carleton SmartDocs software components and
modules identified in Schedule A of this Exhibit A-4.

1.2 “HC Forms” means the forms provided by HC that Client has paid to have
integrated Carleton SmartDocs for completing various loan documents with the
Origenate Service.

2. Use. Subject to all of the terms and conditions of Schedule A Part A, FIS
grants Client, and Client accepts, a non-exclusive, non-transferable limited
right to access and use the Carleton SmartDocs during the Term. Each of the
following subsections is a condition hereof:

2.1 Scope of Use. Client will use the Carleton SmartDocs and the HC Forms
exclusively for the line(s) of business identified in Exhibit A and the HC
Agreement, and only in connection with Loans booked and funded by Client or
Loans being considered for acquisition by Client. In addition, Client will not
use the Carleton SmartDocs to provide any services to a third party.
  
2.2 Carleton SmartDocs. FIS will configure the Carleton SmartDocs in accordance
with the Implementation Specifications Document. Client agrees to comply with
Schedule A. Client will also comply with the provisions of this Exhibit A-4 and
the HC Agreement.

3. Integration and installation; Support. Client understands and agrees that
Client, not FIS, will be responsible for obtaining the applicable electronic
files and other items from HC necessary to embed and/or integrate the HC Forms
within the Carleton SmartDocs.  FIS will have Carlton integrate the HC Forms
with Carleton SmartDocs. Client will be responsible for providing FIS and
Carleton with instructions from HC to update and/or incorporate the HC Forms
into Origenate. Without limiting the generality of the foregoing, Client also
agrees and understands that:

(c)
Carleton will not change any of the documents provided by HC without the prior
written consent of HC;

(d)
Carleton is responsible for its Carleton SmartDocs delivery of the HC Forms to
Client via Origenate Service;

--------------------------------------------------------------------------------

Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

--------------------------------------------------------------------------------

(PID # 224877)         Page 16 of 34

--------------------------------------------------------------------------------

Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

(e)
FIS will provide the first line of support and will have Carlton cooperate with
FIS to provide training and additional second level line of support;

(f)
FIS will work with Carleton to develop and implement the HC Forms and any Client
documents for the use with Carleton SmartDocs (“Custom Forms”). FIS and Client
will determine the number of Custom Forms that will be required and implemented.
The charges will be as indicated in Exhibit C.

(g)
Carleton will be responsible for providing instructions to FIS on how to
de-install the HC Forms from Origenate Service; and.

(h)
Client will rely on the terms and conditions of the HC Agreement regarding
compliance with the HC Forms and documents.

4. Use Restrictions. Client agrees that its use of the Carleton SmartDocs and
the HC Forms is contingent on Client’s acknowledgment and agreement herein that
the Carleton SmartDocs and HC Forms are the sole property of the respective
companies and are subject to valid intellectual property rights. Use of the
Carleton SmartDocs and the HC Forms are subject to the terms and conditions of
Client’s agreement with HC. FIS does not have any responsibility for procuring
or complying with the HC Agreement, or for verifying that the HC Agreement has
been executed between Client and HC.

Client acknowledges and agrees that FIS does not bear any responsibility, in
whole or in part, to Client, its Affiliates (if applicable) or Permitted Users
for any errors or omissions in the Carleton SmartDocs and/or HC Forms, their
respective databases or software program operations or any of the information
contained therein.

Client agrees to request and negotiate directly with HC for licensing of any
additional document sets for new states where Client wishes to conduct business.

5. WARRANTY DISCLAIMERS; LIMITATIONs OF LIABILTY. EXCEPT AS EXPRESSLY SET FORTH
HEREIN, THE WARRANTY DISCLAIMERS AND LIMITATIONS OF LIABILITY SET FORTH IN THE
AGREEMENT AND SCHEDULE A APPLY TO THE CARLETON SMARTDOCS AND THIS EXHIBIT A-4,
AND ARE INCORPORATED BY REFERENCE AS IF FULLY SET FORTH IN THIS SECTION 5.

6. Fees. Carleton SmartDocs fees are included in the per booked loan fee as
indicated in Exhibit C. Except however Custom Forms are priced separately as
indicated in Exhibit C.

7. Term; Termination. The Term and termination provisions for this Exhibit A-4
are the same as those applicable to Schedule A.

ACCEPTED AND AGREED:

PIONEER FINANCIAL SERVICES, INC.
(“Client”)

                        
Signature

                        
Print Name/Title
                        
Date

--------------------------------------------------------------------------------

Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

--------------------------------------------------------------------------------

(PID # 224877)         Page 17 of 34

--------------------------------------------------------------------------------

Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

Exhibit B

Service Levels

1. PROBLEM RESOLUTION
Customer Support
Customer support and issue escalation processes shall be subject to FIS
standards following move to FIS data center.

Client’s authorized project team members shall contact FIS’s customer support
for the Service directly if Client is experiencing problems with production
operations. This includes any third party integrated components (Standard
Interfaces) that FIS has relationship with and that are necessary to delivery of
Loan origination and booking service using the Service. Client’s project team
should be contacted to request changes in functionality or answer questions. All
calls to customer support are answered directly by a Customer Support Analyst
during the Principal Support Hours (displayed in the table below). Calls will be
logged into an issue tracking system, and each issue assigned a priority and
tracking number.

Client shall provide its Permitted Users who are not authorized project team
members with a toll-free method of contacting Client’s authorized project team
members in order to obtain first-level support. All subsequent references to
Client in this Exhibit B shall mean members of Client’s authorized project team.

During business hours, Client shall dial the appropriate FIS support number as
shown in the table below. The first available Customer Support Representative
(CSR) will answer the call. If a CSR is not available then Client shall leave a
voice mail in the support voice mailbox or send email to customer support . The
next available CSR will return the Client’s call or respond *****. In situations
where a voice message or email is left, incident resolution time begins at time
voice message or email was left. In an emergency or where issue is perceived to
be Severity 1, Client may press 0 and ask the operator to page Customer Support.

If the Client is having a production emergency and is unable to get in contact
with FIS’s CSR, Client will be authorized to contact the Customer Support
Manager or Manager of Client Services. That individual and their contact
information (work phone, outside work hour phone, and email) will be provided
upon completion of implementation when the Client begins production operations.
If that Customer Support Manager is reassigned at any time during the Term,
Client will be notified of the new contact and her/his associated contact
information five days prior to such a change.

After-hours, weekend, and holiday support calls are processed by FIS’s answering
service. The answering service escalates all issues to the after-hours support
team in accordance with procedures established by FIS. The goal of FIS’s
customer support operation is to resolve all issues promptly. Issues that cannot
be resolved during the Client’s initial phone call are escalated in accordance
with the “Escalation Policies and Procedures” described in the section following
the Support Hours and Contact Numbers tables.

 
Principal Support Hours

*****

*****

*****
*****
 

*****
*****

--------------------------------------------------------------------------------

Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

--------------------------------------------------------------------------------

(PID # 224877)         Page 18 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

Customer Support Contact Numbers
Normal Business Hours Support
*****
After-hours Support
*****
If unable to reach a representative at the After-hours Support number
*****

Escalation Policy
FIS has established detailed escalation procedures that are followed by its
customer support team for problem resolution. Each problem is assigned a
severity that is mutually agreed between Client and the FIS team with reference
to the attached Standard Service Level Metrics.
Software Development Issues
Potential software development issues identified during problem resolution are
assigned to FIS’s product management, which shall be responsible for reviewing
the issues, categorizing them as issues or enhancements, and assigning a
priority for resolution. Those issues identified as Severity 2, which do not
have an agreeable work around, will be assigned for resolution in the Client’s
current release. Other non-business critical issues and enhancements will be
resolved as part of a normal release.
FIS’s product management will review open production issues on a weekly basis.
Issues are designated to be either included in a patch build for a previously
published release or assigned to a future release. Issues identified as patch
build candidates are assigned to available development staff and scheduled for
delivery.
Client will be provided with visibility to its reported prioritized issues list
at all times. FIS’s senior management will review with Client a minimum of once
per business quarter the impact of open issues to Client’s business.
Hardware or Networking Issues
Maintenance and support for FIS hardware and network are included. FIS maintains
24x7 support with a *****
2. CHANGE CONTROL
Release Types and Lead Times

--------------------------------------------------------------------------------

Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

--------------------------------------------------------------------------------

(PID # 224877)         Page 19 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

Release Type
Environment
Standard
Port Window
Lead Time
Configuration
Testbed
*****
*****
Configuration
Production
*****
*****
Patch
Testbed
*****
*****
Patch
Production
*****
*****
Full
Testbed
*****
*****
Full
Production
*****
*****
Upgrade
Testbed
*****
*****
Upgrade
Production
*****
*****

•
Full – The entire code base for the product is released.

•
Patch – A single program or binary is being released.

•
Upgrade – The system is moving up to a new release of the product.

•
Configuration – This is generally only data.

•
Port Window – hours available to schedule the port. For dedicated environments
the actual time within the window is agreed upon between customer support and
the Client.

Testing Environments
FIS supports two separate testing environments. QS is used by FIS personnel to
test and certify changes prior to changes being ported to Testbed. Testbed is
used by clients to test and certify changes. A Testbed environment is available
for the currently supported release and the prior release.
Port Authorization
All authorizations must be in writing and indicate that testing was conducted
email is acceptable. Verbal authorizations are not acceptable. Authorization
levels are different for each environment.
Client Owner:
The Client Owner is either the:
•
FIS Project Manager assigned to manage the Client’s project (either in the
initial UAT or a follow-on project that warrants a Project Manager), or

•
FIS Customer Support Advocate assigned to oversee the Client’s system.

Testbed Ports:
The Client Owner or Product Owner is responsible for requesting a port to
Testbed on behalf of a client. The manager of FIS Client Services is responsible
for authorizing a port to Testbed.
Production Ports:
The Client Owner is responsible for obtaining the authorization from the client
to port to Production and is responsible for keeping a copy of the
authorization.
Emergency Ports:
These ports have no “Lead Time” but they require the authorization of the Client
Owner’s Manager. They must also follow all other steps outlined for ports,
including release instructions. In case of an emergency change, the same
procedures are followed.

--------------------------------------------------------------------------------

Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

--------------------------------------------------------------------------------

(PID # 224877)         Page 20 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

The total time frame for the release is reduced as much as possible but no steps
are omitted.

Upgrade Policies and Procedures

Policy

In order to continually improve Origenate®, defect fixes and possibly new
enhancements are periodically made available for published releases. These
changes are packaged into patch builds (one single deployment package) that can
be applied to a current release. Patch builds will be released on as needed
basis and are used to resolve issues quickly. Patch builds do not take the place
of full build. All patch builds released prior will be incorporated in to next
full build.

Clients will be notified about full builds for a release ***** including
bulletin and details and are expected to periodically test a full build and
schedule installation into their production system. Builds are cumulative,
meaning each new build contains all the fixes that are included with previous
builds. This procedure means that the Client does not have to install an earlier
version of the build before they install the latest version. The rollout of each
build provides a cumulative rollup of the changes.

FIS expects to roll out new major releases. Typically, ***** will be rolled out
per year. FIS will support the ***** release plus ***** releases. When a new
release is announced, FIS will provide ***** support for any releases older than
the two previous releases. Support for longer than ***** must be handled on an
exception-only basis and will incur additional fees and costs.

Procedure (Patch Builds within a release)
•
When a patch build is deployed into the FIS test environment, an email will be
delivered to all Clients who are using that release, notifying them that the new
patch build has been placed in a test environment and is ready for testing by
the Client.

•
During testing any issues found should be reported to the FIS support center.
Issues are fixed and a new build will be created and released when available.

•
After certification of the build, the Client can notify support and schedule the
production installation

New Releases

•
When a new release is announced, a bulletin will be sent to clients outlining
the new features and fixes that are included.

•
All releases will not be immediately available to all clients. All features may
not be available immediately as it or they may require configuration. Services
associated with a major release upgrade are billable at rate specified in
contract.

•
Any configuration needed in order to deploy the new functionality will be billed
on a time and materials basis and identified within a task order.

•
Client may notify FIS to request an upgrade in order that it may be scheduled
accordingly.

•
Clients will be notified when a release is ready for testing, when applicable,
***** prior to the release.

•
During testing, when applicable, any issues found should be reported to FIS’s
Release Upgrade project team.

•
After certification of a release, the Client will work with FIS’s Upgrade
project team to schedule the applicable production implementation.

•
Full upgrades are scheduled over a non-holiday weekend period.

--------------------------------------------------------------------------------

Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

--------------------------------------------------------------------------------

(PID # 224877)         Page 21 of 34

--------------------------------------------------------------------------------

Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

3.    SYSTEM MAINTENANCE

Scheduled Maintenance
FIS has a standard maintenance window period for the Service during which
routine maintenance and system backups are scheduled.  This maintenance window
is *****Systems are ***** If a system *****it will be scheduled during *****
Client will be notified prior to a system being taken down.
If maintenance is expected to impact a Client’s operations, FIS will provide
***** Client’s designated representatives. FIS may also schedule *****For
scheduled outages that fall outside of the maintenance window, *****.
Outage Notification
*****
Backups
*****
Purging and Archiving Production Data
Data can be retained in the online database for a maximum of *****before it is
archived and purged. Archived data will be *****was originally created online
*****FIS will deliver expired data to the Client monthly on disk or other
electronic method.
Archived and purged data can be restored to the online database on a per request
basis. FIS requires *****data that has been archived and purged.
FIS’s Archive/Purge routine is configurable and allows Clients to determine, by
company and by funding status, the date range to Archive/Purge. Application
records that are purged still retain skeletal information in the production
database.
FIS recommends that production databases be *****Should Client require a more
extended time frame that must be mutually agreed in writing by Client and FIS
including documentation of the extended time frame and applicable additional
fees and charges.

4.    SYSTEM MONITORING, SECURITY, AND RELATED PROVISIONS
Monitoring. FIS uses automated tools to monitor connectivity and availability
for compliance with availability and uptime standards. Descriptions of the
environment are available on demand to client to support audit and regulatory
activities.
Reporting. Reporting consists of summaries of information that is available to
designated Client team members. These summaries are used to determine if changes
to the production systems are necessary to have problems dealt with in a timely
manner. Some examples of meetings and reporting include:

▪
All outages are tracked by Customer Support. A resolution is documented for each
outage. The Customer Support Manager runs outage reports in order to monitor
outage resolutions. These reports are reviewed and issues requiring further
investigation are noted.

▪
Customer Support enters defect and enhancement requests into an issue tracking
system.

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 22 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

▪
Key Operations staff members participate in weekly status meetings where open
issues are reviewed.

Audits. FIS engages independent auditors to conduct an annual SSAE-16 audit for
the ASP solution. The report from this audit is available by December 31 for the
preceding calendar year. Clients will have access to this report, and (in the
interim, if necessary) FIS can provide a SSAE-16 gap letter, in accordance with
the Agreement.

Security
FIS has implemented controls designed to protect against unauthorized access to
Client Data and Client systems and information. A layered approach to security
has been implemented, including perimeter security using routers and firewalls
and an intrusion prevention and detection solution. Access is controlled using
defined user authorization processes, authentication and logging.
Operating System Passwords
All FIS products and services require adequate password protection. Specific
parameters and requirements apply and may be updated by FIS from time to time,
which may be Service specific.
Encryption
FIS requires that the transmissions of data to and from its network for the
Service be encrypted with the exception of fax transmissions. Through the use of
these encryption methods, any change to the data during transmission will result
in an error message.
Some clients manage some connections to FIS’s network using direct connections.
These clients have an installed router on the premises of FIS and are
responsible for both security and integrity of that data.
SSL is used to encrypt all Internet traffic.

Data Integrity
FIS has implemented the following controls to assure data integrity from the
point of origination to the point of delivery. Refer to the SSAE-16 document.
▪
Controlled Access to Production

Access to production is controlled as described in the Data Security section in
the most current SSAE-16 document. Access is limited to roles and permissions
based upon roll definition.
▪
Application Development and Maintenance

FIS change management processes and procedures for tested and approved changes
to be moved into production are outlined in the SSAE 16 and reviewed regularly.
Physical Security
FIS’s production and disaster recovery systems are hosted by FIS’s *****
***** on-site security personnel monitor the hosting facilities 24 hours a day,
7 days a week, 365 days a year. Monitoring includes indoor and outdoor video
surveillance. Access to all facilities is limited to authorized *****personnel
and vendor support personnel. Visitors to ***** are required to present a
*****-issued ID card, which is scanned to match the individual presenting the
card to the electronic photo on file before they are permitted into the
facility. At the co-location facility within the CyberCenters, a biometric
scanner, with authorized handprints is used to permit entry into the room. All
entrances and exits to the CyberCenters are protected by automated alarm
systems. There is video surveillance in every aisle on a 7x24 hour basis. The
surveillance tapes are maintained for 60 days in an on-site video library.

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 23 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

Disaster Readiness

Disaster prevention controls in the ***** CyberCenters include the following
measures:
System High Availability
▪
Full redundancy available on all infrastructure and network backbone support
systems

▪
Redundant core routers

▪
Redundant border routers

▪
Redundant distribution and access switches

▪
Redundant Hardware for all production systems is available. This includes
application and database servers.

Internet Availability
Internet connectivity is provided by *****. FIS is responsible for keeping its
router available for connectivity to its Internet Service Provider (ISP). FIS is
not responsible for connectivity from the Internet to FIS’s router. FIS does not
guarantee 100% availability.
Service Availability:
The Service shall provide a minimum availability metric of ***** (number of
minutes that Client users or Client system integration points are unable to
access and use the Service/total number of minutes in the period less scheduled
downtime).
If FIS receives complaints regarding Internet outages, during business hours FIS
will run network traces and contact the associated ISP and clients are provided
email updates within ***** of such actions.
Environmental Controls
The *****CyberCenter offers a temperature and humidity controlled environment
including:
▪
22-ton Liebert water chillers

▪
150 BTUs per square foot

▪
Chilled water units with sufficient capacity to carry AC load in the event of a
single unit failure

▪
All compressors are monitored and alarmed

▪
All water required for HVAC is routed in a sheet metal gutter with drain for
containment and disposal of water in the event of a leak

▪
Moisture sensor alarm system inside water containment system to notify of any
leakage

Fire Protection
***** CyberCenters are equipped with multi-zoned, fire suppression systems in a
redundant fashion. The CyberCenters are divided into sectors in such a way that
the triggering of fire suppression systems in one hosting area will not trigger
fire suppression systems in all other areas. Fire suppression response time is
delayed by five minutes. In the event of an alarm, ***** personnel have adequate
time to verify the validity of the emergency and disable the suppression systems
should it be determined to be unnecessary.     In accordance with OSHA
regulations, gas suppression systems are utilized.

Power
***** CyberCenters’ power supplies are designed with:

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 24 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

▪
Battery backup for uninterrupted power supply (UPS)

▪
6,000 rpm Cummings generators, N+1 to assure uninterruptible power

▪
Redundant power from separate PDUs, to each rack

▪
Redundant network connections, from separate switches, to each rack

Power comes into two separate transformers that feed two separate switchgears.
There are two separate UPSs for each one of these gears. Each UPS has an
automatic static bypass switch incorporated within.
 
In the event that the battery side of the UPS fails, the static switch comes
into play and bypasses the battery function and goes directly to either the AC
or generator power source. ***** CyberCenters employ three diesel-fuel powered
Cummings generators. When the commercial power is lost, the UPSs take the load
and start the generators. All three generators come on-line and two take the
load. The third generator is on standby in case one of the generators fails.

Each facility has enough diesel fuel to run an entire CyberCenter on generator
power for a minimum of 48 hours. Additionally, ***** has contracts with diesel
suppliers for additional fuel as needed. Because Savvis is a telecommunications
company, in the event of a natural catastrophe, ***** is third in priority to
receive fuel behind hospitals and government facilities.
Disaster Recovery Planning
Disaster Recovery Plan (DRP) objectives for the Service under this Schedule are
as follows:

•
Minimize the amount of time it takes to resume normal business operations in the
event of a disaster.

•
Assess damage to the data center facilities and equipment, repair the damage if
possible and activate the repaired data center, or bring alternative facilities
online.

•
Manage the failover and recovery operation in an organized and effective manner.

•
Prepare departments and personnel to respond effectively in a disaster
situation.

To respond to the occurrence of a disaster in the most effective manner
possible, the DRP has established hierarchal business teams that are responsible
for the coordination and execution of the plans and procedures needed to fail
over to, and back from another site.

In addition, a Disaster Recovery Chairperson oversees all recovery operations
and makes hot site fail-over decisions. He/she coordinates activities among the
teams. The two teams are: the Business Recovery Team (BRT) and the Operations
Recovery Team (ORT). The BRT is responsible for internal and external
notification, coordination, and administrative support activities needed
throughout the disaster recovery operation.

The ORT is responsible for implementing and managing the movement of operations
to the disaster recovery site, and for implementing and managing the recovery
activities at the site of the disaster.

FIS’s production operations for the Service are hosted in two different
locations in the U.S. One is in Virginia and the other is in Colorado. FIS’s
client operations for the Service are divided evenly between these two data
centers. Half of the clients use Virginia as their primary data center and the
other half use Colorado. Each data center functions as the D.R. location for the
other data center. The database and files on disk are replicated from each data
center to the other.

In the event of a disaster at one of the data centers, all operations will be
moved to the other data center. Each data center has enough capacity to host all
of FIS’s ASP clients for the Service. *****

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 25 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

The implementation of recovery in Denver for the remaining non-production
critical equipment is commenced at the direction of the Disaster Recovery
Chairperson.

The DRP contains a comprehensive list of the equipment and procedures for making
the equipment operational. Accordingly, the DRP is reviewed annually and updated
as necessary. Employees are made aware of any changes to the plan and are
trained appropriately to execute the plan. The DRP is periodically tested in
accordance with standard policies.

5. EXCUSED PERFORMANCE

5.1 Excused Events
FIS will not be obligated or liable for a Service Level default that is
attributable to any of the events listed below in this Section (each an “Excused
Event”), although FIS will use commercially reasonable efforts to resume the
Services after any Excused Event. FIS shall document the Excused Event and
provide sufficient supporting information for Client to review and validate
FIS’s determination. To the extent any non-availability or Incident would
otherwise constitute a Service Level default but is attributable to
circumstances that constitute an Excused Event, then notwithstanding anything to
the contrary in this or any other Schedule to the Agreement or elsewhere, FIS
shall be excused from any obligations to meet the corresponding Service Level
associated with such Service Level default.
5.1.1
Equipment and Software owned or licensed by Client and managed by FIS, for which
Client has elected not to pay maintenance; or Client pays maintenance and the
vendor is unwilling or unable to support the Equipment or Software; in each case
to the extent the lack of maintenance caused or contributes to the Service Level
Event;

5.1.2
Scheduled Downtime;    

5.1.3
Incidents or facilities Incidents at Client facilities (e.g., power outages,
HVAC failures, force majeure, etc.) that are not caused by FIS;

5.1.4
Incidents occurring during grace period to be mutually agreed upon and defined
during deployment and launch planning (e.g. ramp-up);

5.1.5
During a Force Majeure event affecting Systems, equipment, or Services that are
covered by disaster recovery until the FIS Managed BCP / DR recovery time
objective has elapsed;

5.1.6
Failure of any switched or dedicated telecommunications circuit to the extent
that such failure is not a result of FIS’s failure to discharge its management
responsibilities with respect to such telecommunications vendor (but not
excusing FIS for failures of telecommunications equipment for which FIS has
operational responsibility);

5.1.7
Outage resulting directly from a refusal on the part of Client to authorize an
increase in capacity when reasonably recommended by FIS as necessary to maintain
Service Levels, as determined in accordance with capacity thresholds established
by the Applications team responsible for reviewing capacity reports and
establishing such thresholds;

5.1.8
Any other exclusion mutually agreed as an exclusion to Service Levels;

5.1.9
Any failure by Client (or any third party contracting with Client) to fulfill
its responsibilities or obligations under this Agreement as determined by the
root cause analysis.

5.1.10
Any time FIS is waiting upon Client resources in critical path to perform
requested problem resolution actions. Client time does not get included into
total SLA calculation for closure;

5.1.11
Any Service Level incident outside of FIS control. FIS control is inclusive of
authorized FIS affiliates and sub-contractors;

5.1.13
A delay by Client in delivery of data to FIS, pursuant to Client’s
responsibilities under this Agreement, or the delivery of incorrect data by
Client or a third party contracting with Client;

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 26 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

5.1.14
A Force Majeure event, to the extent the Service Level default could not
reasonably have been avoided by the execution of the applicable disaster
recovery plan;

5.1.15
Execution of applicable disaster recovery plans in support of a Client declared
disaster until such time as FIS is required to have restored Services under such
plans, as set forth in the applicable disaster recovery plans;

5.2 Third Party Equipment. Equipment that is not part of the System, including
without limitation any External Site or Client’s Equipment used to access the
Service;

5.3 Client-Supplied Equipment. Equipment provided by or on behalf of Client to
be used as part of or in connection with the Service;

5.4 Telecommunications. Telecommunications outside the System. Notwithstanding
the foregoing, FIS will use commercially reasonable efforts to work with
Client’s and FIS’s internet service or telecommunications provider when such
provider is correcting any interruption of Client’s access to the Service due to
telecommunication connectivity problems within the provider’s control. The cost
of such telecommunications is Client’s responsibility.

5.5 Client Failure. Failure by Client to: (a) comply with the Schedule, (b)
comply with the Client’s responsibilities or (c) use a correction or reasonable
solution supplied by FIS to Client; or

5.6 Unauthorized Use. Unauthorized use of the Service or System under this
Schedule or use of the Service or System inconsistent with the Implementation
Specifications Document.

5.7    Downtime.
In the event the System has become non-functional and requires immediate
downtime to restart and resume operations, FIS shall make commercially
reasonable efforts to contact Client and obtain approval of downtime, but if
Client is unavailable, FIS shall not be liable for failure to obtain such
approval, where FIS acts in its reasonable discretion to correct the problem and
resume operations.

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 27 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 28 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

*****
No.
Service Level Description
Metric/
Measurement
Calculation Definition
Measurement Window
Reporting Window
Minimum Service Level
Expected Service Level
1
Scheduled Process Events
The percentage of scheduled process events that attain the expected performance
standard as defined in the scheduled process document.
Expected performance standard achieved % = achieved scheduled production events
/ total count of possible scheduled production events
Monthly
Monthly
*****
*****
2
FIS Software Availability
Ability to access FIS Software
Number of minutes that Client users or Client system integration points are able
to access and use the Software/total number of minutes in the period less
scheduled down time

*****
Monthly
Monthly
*****
*****
3
FIS Software System Response Time
<= 4.0 second for the average of all transactions in the given period as
measured at endpoint of FIS managed router
Aggregate FIS software system response time in a given period/number of
transactions
Monthly
Monthly
*****response time (to be defined during Implementation)
*****response time (to be defined during Implementation)
4
Severity Level Incident Response
For each of the Severity Levels, the percentage of incidents responded to within
the target
((Total number of times the incident response time for the respective Severity
Level incidents is within the target during the month / total number of
incidents for Severity Levels responded to within the month) x 100).

If a single Severity Level incident extends beyond twice the target response
time, this will trigger a service level default.
Monthly
Monthly
*****
*****

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.
(PID # 224877) FIS initials & date: _____________________ Client initials &
date: _____________________    Page 29 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

No.
Service Level Description
Metric/
Measurement
Calculation Definition
Measurement Window
Reporting Window
Minimum Service Level
Expected Service Level
5
Severity Level Incident Resolution
For each Severity Level incident, the percentage of incidents resolved within
the target
((Total number of times the incident resolution time for Severity Level
incidents is within the target during the month / total number of incidents for
Severity Level scheduled for resolution within the month) x 100).

If a single Severity Level incident extends beyond twice the target resolution
time, this will trigger a service level default.
Monthly
Monthly
*****
*****
6
Maximum Severity 1 Incidents
Limits the number of Severity 1 incidents.
Number of Severity 1 incidents must be less than Expected Service Level
Monthly
Monthly
*****
*****
7
% problems Root Cause Analyses completed for Incidents
The percentage of root cause analyses completed within target. Root cause time
is the time from the closure of the Incident until the root-cause analysis is
completed and provided to Client.
((Total number of root-cause analyses completed for Incidents within the target
for Severity 1 and Severity 2 Incidents during the month / total number of root
cause analyses provided within the month) x 100)

Target is within *****for final report presentation
Monthly
Monthly
*****
*****
8
Recovery Time Objective (RTO) for Disaster Recovery Services
After a Disaster is declared, the time required to recover infrastructure, from
the last backup of the FIS Software, and the data as defined by the RPO.
Total of number of hours from a Disaster declaration to when Production access
to the FIS Software is restored
Annual DR Test or Disaster declaration
Annual DR Test or Disaster declaration
*****
*****

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 30 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

No.
Service Level Description
Metric/
Measurement
Calculation Definition
Measurement Window
Reporting Window
Minimum Service Level
Expected Service Level
9
Recovery Point Objective (RPO) for Disaster Recovery Services
From the time a Disaster is declared, the amount of data that must be recreated
by Client. FIS shall recover to its Recovery Point Objective such that Client
shall not need to recreate more than the RPO minutes of data.
Total number of minutes for which the Client must recreate data from the point a
Disaster is declared
Annual DR Test or Disaster declaration
Annual DR Test or Disaster declaration
*****
*****

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 31 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

Incident Rating
Response Time
Resolution Time
Update Frequency
Impact
Examples
Action
Severity 1
*****
*****
*****
Affects all Client or major systems or high business criticality or affects >
*****or prevents automated processes required to originate loans from running
Examples include but are not limited to: 100% of the production system is not
available; eValuate system is not available or External applications not loading
into system
Immediate and continuous corrective activities. Phone response to reporting
organization and to the reporting individual where possible within *****of
reported problem and Status Updates at least every one hour thereafter. Status
updates occur until the issue is bypassed, recovered, or parked (meaning an
agreed upon “stand down” on any resolution action).
Severity 2
*****
*****
*****
Production systems, affecting >***** with a high impact to the company
Examples include but are not limited to: performance degradation or instability
and large numbers of employees/customers impacted; a limited number of
applications not processing in a queue

Immediate and continuous corrective activities. Phone response to reporting
organization and to the reporting individual where possible within *****of
reported problem and status updates at least every two hours thereafter. Status
updates occur until the issue is either bypassed, recovered, or parked (meaning
an agreed upon “stand down” on any resolution action).

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 32 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

Incident Rating
Response Time
Resolution Time
Update Frequency
Impact
Examples
Action
Severity 4
*****
*****
*****
Routine issues
Examples include but are not limited to: User having difficulty, but basically
operational. User might have to use a work around to carry out their necessary
tasks
Incidents impacting or raised by Client will be reviewed with Client in
scheduled incident review meetings. Incidents not directly impacting Client will
be tracked, prioritized and actioned by FIS. Incidents requiring changes to the
Client platform will be communicated to Client per the Change Control Process.
Severity 6
*****
*****
*****
Low Impact
Examples include but are not limited to: Individual experiencing average
operational impact from problem and does not have above average or extenuating
circumstances
Incidents impacting or raised by Client will be reviewed with Client in
scheduled incident review meetings. Incidents not directly impacting Client will
be tracked, prioritized and actioned by FIS. Incidents requiring changes to the
Client platform will be communicated to Client per the Change Control Process.

With respect to each Severity Level 1 or 2 FIS failure, FIS shall, as soon as
commercially practicable *****, (i) perform a root-cause analysis to identify
the cause of such failure, (ii) provide Client with a preliminary report
detailing the cause of such failure, (iii) provide Client with a final report no
later than *****after such failure, (iv) if such root-cause is within FIS’
control and not due to the Client Resources or other factors outside FIS’s
control, provide Client with a corrective action plan designed to prevent such
failure from re-occurring, and (iv) if such root-cause is due to the Client
Resources, Client shall provide FIS with a corrective action plan designed to
prevent such failure from recurring.

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 33 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

Exhibit C

Charges

1.    Origenate® Services Fees. Client will pay the fees described below
(“Origenate Fees”) for the Origenate Services, beginning on the commencement
date when the Service is first available for Client’s production use.

Origenate Service On-going Monthly “Booked Loan” transaction processing fees:
Includes Carleton SmartDocs per booked loan fee. Includes Portal monthly fee.

*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****

For any Custom Form used with Carleton SmartDocs an additional *****fee of
*****per Custom Form will apply.

The use of Carleton SmartCalcs will be governed by a separate agreement between
Client and Carleton as well as the Carleton SmartCalcs Exhibit A-3 to Schedule
A. Should Client desire to obtain Carleton SmartCalcs directly from FIS
additional fees will apply.

2.     PortfolioRevue Services Fees. Client will pay the fees described below
(“PortfolioRevue Fees”) for the PortfolioRevue Services, beginning on the
commencement date when the Service is first available for Client’s production
use.

The minimum monthly billing during each month of Term will be based on the
respective volume of Loans stored in the PortfolioRevue Service Database.
Notwithstanding the foregoing, FIS will load five (5) years of data prior to the
commencement date. The cost for loading the five (5) years of data is included
in the PortfolioRevue Service Fees. If however, Client wishes to load more than
five (5) years of data, FIS will charge Client on a time and material basis for
such work and, if applicable, any ongoing support fees for loading the
additional data.

*****
*****
*****
*****
*****
*****

3.     Credit Bureau Attributes. The PortfolioRevue Service is accompanied by
interfaces to Equifax, Experian and Trans Union (collectively, “Credit
Repositories”) and their respective credit bureau attributes (“Credit Bureau
Attributes”). An interface will only be enabled for each Credit Repository for
which Client has executed a separate and distinct agreement for access to the
Credit Bureau Attributes. If Client chooses to utilize the Credit Bureau
Attributes, Client shall pay a monthly fee to FIS for each month in which at
least one individual credit bureau is requested (“Credit Bureau Transaction”) by
Client as follows:
 

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.
(PID # 224877) FIS initials & date: _____________________ Client initials &
date: _____________________    Page 34 of 34

--------------------------------------------------------------------------------

Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule A – Origenate® and PortfolioRevue Services

--------------------------------------------------------------------------------

*****
*****
*****
*****
*****
*****
*****
*****
*****
*****

The aforementioned fees are over and above any fees Client must pay the Credit
Repositories for Credit Bureau Attributes. For purposes of clarification, if a
Loan includes a co-signer and Credit Bureau Attributes are accessed for both the
primary borrower and the co-signer that will count as two transactions.
Likewise, if the configuration requires that two Credit Bureau Attributes (e.g.
Experian and Trans Union) be accessed for a Loan and there is no co-signer that
will count as two transactions.

4.      Other Interface Fees. Client will pay FIS for Other Interfaces which are
not Standard Interfaces as defined in this Schedule A as follows:

NONE

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877)         Page 35 of 34

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule B – Biller Service Provider (BSP) Services

--------------------------------------------------------------------------------

This Schedule B – Biller Service Provider (BSP) Services (“Schedule B”) to the
Master Services Agreement between Pioneer Financial Services, Inc. of Kansas
City, Missouri (“Client”) and Fidelity Information Services, LLC (“FIS”) is made
effective as of the Services Effective Date stated in the Agreement. The Term of
this Schedule is as defined in the Agreement. By entering into this Schedule B
under the Agreement, Client has engaged FIS to provide the use of FIS’s Biller
Service Provider (BSP)™ services, utilizing an application service provider
platform hosted by FIS for Client. Client’s use of the foregoing shall be
referred to in this Schedule as the “BSP Services” which are as more
particularly described in this Schedule, for the fees and charges and upon the
terms and conditions set forth below and in the exhibits to this Schedule.
Unless otherwise defined herein, capitalized terms used in this Schedule B shall
have the meaning assigned to them in the Agreement. The following exhibits are
incorporated under this Schedule:
•
Exhibit A – Description of BSP Services

•
Exhibit B – BSP Service Levels

•
Exhibit C – BSP Services Charges

1. BSP Services.
1.1. Description of Services. FIS’s BSP Services, as more specifically described
in Exhibit A, are to enable Client to present bills or statements electronically
to its Customers and/or accept online debit card and/or ACH payment instructions
from its Customers for Client's credit card, leasing and installment credit
accounts based in the U.S.A. ("Transaction(s)").
1.2. Access. Client shall comply with FIS's requirements for making the BSP
Services operational and available for Customers and/or End Users. An "End User"
is a person to whom FIS provides the BSP Services on Client's instruction or
authorization.
1.3. End User Agreements. Client is solely responsible for verifying each End
User's identity, and for contracting with, and managing the relationship with
End Users of the BSP Services and obtaining all necessary End User
authorizations to provide the BSP Services. FIS will not have a contractual
relationship with End Users, and so must rely upon Client to manage liability
and risk issues. Client will include reasonable provisions in its End User
agreements regarding, and shall indemnify FIS against, defend FIS against, and
hold FIS harmless from claims arising from (a) Client's failure to verify the
End User's identity; (b) any End User's use of or inability to use the BSP
Services (unless caused by FIS), specifically including any End User's claim for
economic loss or damages arising from the End User's use of the BSP Services;
(c) Transactions effected with a lost, stolen, counterfeit, or misused log-in ID
and/or password (unless caused by a breach of FIS's security other than arising
from Client’s negligence); (d) Client's policy with respect to privacy,
including notice(s) regarding the collection, use, storage, security, and review
of personally identifiable data collected; and (e) actions taken by FIS in
accordance with an End User's instruction. Client and its End Users shall be
responsible for selecting and safeguarding their passwords for using the BSP
Services. As between Client and FIS, any use of the BSP Services through use of
a valid password shall be authorized use, provided that FIS will cancel or
disable any End User from using the BSP Services promptly following notification
from Client.
1.4. Payment Files. FIS will prepare payment files for Client as Client's
third-party service provider and deliver the files to Client's designated ODFI
(for ACH files). FIS will prepare payment files for Client as Client's
third-party service provider and deliver the files to a FIS certified
transaction processor (for debit card files).
1.5. Statement Data. If Client is receiving bill presentment services, FIS shall
make statement data available for End Users to access through entities
participating in FIS's electronic bill presentment network.
1.6. Client Warranties with Respect to BSP Services.
1.6.1. As a condition to its receipt of the BSP Services, Client represents and
warrants that Client shall execute and deliver any and all applications,
agreements, certifications or other documents required by Network or other third
parties whose consent or approval is necessary for the processing of
Transactions.

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

--------------------------------------------------------------------------------

(PID # 224877) FIS initials & date: _____________________ Client initials &
date: _____________________    Page 1 of 9

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule B – Biller Service Provider (BSP) Services

--------------------------------------------------------------------------------

"Network" is an entity or association that operates, under a common service
mark, a system which permits participants to authorize, route, and settles
transactions among themselves.
1.6.2. Client represents, warrants and agrees that it does and will comply with
applicable Laws and Network rules, regulations or operating guidelines. Client
shall notify FIS in writing as soon as possible in the event a claim is either
threatened or filed against Client by any governmental organization having
jurisdiction over the Client related to the BSP Services. Client shall also
notify FIS in writing as soon as possible in the event a claim is either
threatened or filed against Client relating to Transactions or BSP Services or a
fine or other penalty is assessed or threatened against Client relating to
Transactions or the BSP Services. BSP PCI certification is responsibility of
FIS, not client.
1.6.3. Client represents, warrants and agrees that it is and will continue to be
in full compliance with all applicable information security requirements of the
Networks, and any modifications to such requirements that may occur from time to
time. Upon the request of FIS, Client shall provide FIS with documentation
reasonably satisfactory to FIS verifying compliance with this Section.
1.6.4. Client hereby grants FIS the full right, power and authority to request,
receive and review any data or records reflected in a transaction report. Client
represents and warrants that it has the full right and authority to grant the
rights set forth in the preceding sentence.
2. Service Levels. Specific standards for certain aspects of the BSP Services
service levels ("Service Levels") are set forth in Exhibit B.
3. Materials. As a convenience, FIS may provide Client with sample forms,
procedures, scripts, marketing materials or other similar information
(collectively, "Materials"). Client shall have a license to use Materials, if
any, solely in connection with its use of the Services during the term of this
Agreement and solely in a manner that is consistent with the Specifications.
Client's license to use the Materials shall expire immediately upon termination
of the Agreement. Client is responsible for its use of Materials and bears sole
liability for any such use.
4. Training. FIS will provide its initial training in accordance with SOW-1
Implementation Services. Following such initial training, Client is responsible
for its trainer(s) training Client's employees on the use and operation of the
Services. Additional training may be provided by FIS upon Client's request,
including onsite training at Client's location, as mutually agreed to by the
parties regarding topics, duration and fees and expenses.
5. Invoices: Fees and Other Charges.
Client shall pay all fees and charges set forth in the attached Exhibit C BSP
Service Charges, in accordance with the payment terms in the Agreement,
beginning on the commencement date when the Services are first available for
Client’s production use.

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Proprietary and Confidential Information – Fidelity Information Services, LLC

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(PID # 224877)    Page 2 of 9

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule B – Biller Service Provider (BSP) Services

--------------------------------------------------------------------------------

EXHIBIT A
DESCRIPTION OF BSP SERVICES

The following describes the BSP Services. Additional configuration and use of
BSP APIs is covered in the SOW.
IVR. A FIS touch-tone phone-based English language payment system where Client's
Customers can make secure payments via ACH and Debit cards. The IVR system is
voice XML based, based on Windows technology and fully integrated with the BSP
web based applications.
Just Pay It. A FIS secure, web-based, customer facing service for one-time
payments. It is branded to match the look and feel of the Client's company
website in order to facilitate one time payments via ACH and Debit card.
Biller Console. A FIS secure, web based administrative console for use by
Client's Phone Agents. The Biller Console is fully integrated to all of the BSP
applications and provides Client with a single, consolidated approach to
research, reporting, and customer service functions related to the BSP Services.
The Biller Console is an integrated Web application allowing Client's Phone
Agents to take payments on behalf of Customers, whether they are Internet
enabled or not. If applicable, multiple payments can be taken on behalf of the
same Customer at the same time on a single screen; each payment will be
submitted separately in the daily deposit file.
Customer Console. A secure, enrolled Web-based Customer-facing application;
branded to match the look and feel of Client's company website, to facilitate
bill/account summary viewing presented by FIS. Client's Customers may access the
Customer Console through a login process from the Client's company's Customer
self-service website. This is done through the installation of FIS' API. The
Customer Console allows Client's Customers to make one-time, scheduled and
recurring payments. Customer with multiple accounts may make multiple payments
on a single screen. Customers will have Payment and bill / account summary
history available for viewing for 24 and 13 months, respectively. Also available
are optional linkage to bills hosted by Client and banner ads to assist Client
with marketing efforts. Client will use an in-house application to create its
billing output; this output file can be used to present bills or bill summary
data electronically at the FIS hosted site.
Customer ACH Payment Confirmation. FIS will produce a payment confirmation
letter on the day that an ACH payment is processed through the BSP Services. The
ACH payment confirmation letter will be sent via email if the payment is
initiated through a web based BSP Service and an email address is provided by
the Customer. For all Customers with email addresses on file, other ACH payment
confirmation letters, including those initiated through the IVR, will be sent
via email and exceptions by FIS via postal mail to the Customer.
Site/Document Branding. The site will be accessed as a biller direct model, with
Customers clicking on a link to access the FIS presentment and payment
application from the appropriate Client’s company website. Each application will
be fully branded to match the look and feel requirements of Client. FIS will
place a

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Proprietary and Confidential Information – Fidelity Information Services, LLC

--------------------------------------------------------------------------------

(PID # 224877)    Page 3 of 9

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule B – Biller Service Provider (BSP) Services

--------------------------------------------------------------------------------

message on each screen of the Just Pay It and Customer Console to indicate that
the Client's Customer is on an FIS web site.
Flexible Remittance Feeds. Single production remittance each day after 8:00 PM
ET cut off.
Advanced Real-time Reporting. Online report access is available through the
Biller Console. The online reports can be generated real-time for a specific
date range as often as needed. All reports are viewed in HTML format. This is a
browser-based application that allows authorized employees to run reports as
needed. Those individuals authorized by Client, will be able to download reports
into CSV or Excel. This added feature provides the ability to search and sort
data, run analytics and/or upload to other programs. FIS online reporting tool
enabling Client to run reports based on a variety of search criteria.
Reports will be predefined at the time of installation. Below is a list of the
standard reports available:
> Enrollment Report             > Notification of Change Report
> ACH Transaction Report        > Failed Payment Report
> Debit Card Transaction Report    > Unmatched ACH Report
> Account Activity Report        > CSR Activity Report
> Automatic Payment Report        > Banner Ads Viewed Report
> Daily Payments Summary Report
System Interfaces: The following is a list of interfaces that will be a part of
the BSP Services:
> Seamless login to the Customer Console     > Delivery of ACH file from FIS to
Client preferred
financial institution for ACH origination
        
> Delivery of statement data file         > Dedicated line for file
transmissions from Client
to FIS and FIS to Client’s secure FTP account.
> Delivery of enrollment data/changes
                        > Debit Card interface to FIS partner, Chase
> Real-time Post Back Functionality         Paymentech
consisting of an hourly delivery of
remittance information (posting) from FIS
to Client

--------------------------------------------------------------------------------

Proprietary and Confidential Information – Fidelity Information Services, LLC

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(PID # 224877)    Page 4 of 9

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule B – Biller Service Provider (BSP) Services

--------------------------------------------------------------------------------

EXHIBIT B
SERVICE LEVELS
Performance and Problem Response Requirements
1.
Service Availability. FIS shall make access available to the BSP Services twenty
four (24) hours per day, seven (7) days per week, less scheduled maintenance as
defined below. FIS will conduct proactive monitoring of all hardware and
software required for operation of the BSP Services, including monitoring disk
space, CPU utilization, memory utilization, and critical error messages. When
possible, FIS will notify Client in advance of any potential outages that would
prevent either the Client or its End Users from using the BSP Services. FIS will
provide support twenty four (24) hours per day, seven (7) days per week, for any
production related issues.

2.
Scheduled Maintenance. All maintenance activity will be carried out between
***** and *****CT except once a month when FIS may use an extended maintenance
window of no more than five (5) hours for the purposes of major infrastructure
or application upgrades. Client must be notified at least thirty (30) days
before an extended maintenance window is to occur.

3.
Client Data File and/or Document Data File. Upon FIS’s receipt of the Client
Data File and Document Data File from Client, FIS will process and load the data
into the BSP Services production environment no later than the time frame
mutually agreed to after receipt, not to exceed ***** and to be performed during
non-peak hours.. All regularly scheduled files will be processed within *****of
receipt by FIS unless otherwise specified and agreed upon with Client. Receipt
of a file is identified as the successful transmission of the file to the
designated FTP server by Client. FIS will notify Client, by a mutually agreed
upon method, of each file’s status no later than *****after succeeding or
failing to process and load the file. In the event of exceptionally large,
additional, missed, or the reprocessing of files, special arrangements must be
made with FIS Production Control to determine a mutually agreeable schedule for
delivery.

4.
FIS Customer Service Representative Service Level (If Client elects to purchase
Customer call center services from FIS) on Customer service calls across the
shared environment are:

a.
Deposit File and/or Accounts Receivable File. If Client has elected to receive
this service, FIS shall create a daily ACH file in NACHA format to be
electronically transmitted to Client’s designated financial institution on each
Business Day, in accordance with the terms and conditions set forth in the
Agreement. Additionally, FIS shall create, if Client has elected to receive this
service, a separate daily (Monday through Sunday) Accounts Receivable (A/R)
file. FIS requires that the Client pick up the Accounts Receivable file each day
on a specified FTP server at a mutually agreed upon time. FIS will notify
Client, by a mutually agreed upon method, of the Accounts Receivable file status
no later than the mutually agreed upon time for file pick up.

i.
*****of the calls answered within the first *****

ii.
The abandoned rate shall be less than *****excluding calls *****

i.
The speed of answer shall be less than *****

a.
Customer Service Representative Service Levels are calculated based on all
received calls; not on a per Customer basis. Client must provide a *****forecast
of expected call volumes *****in advance and maintain projected volume accuracy
*****of actual volumes. In the event that Client’s actual call volumes ***** for
customer service representatives will be ***** while the *****

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Proprietary and Confidential Information – Fidelity Information Services, LLC

--------------------------------------------------------------------------------

(PID # 224877)    Page 5 of 9

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule B – Biller Service Provider (BSP) Services

--------------------------------------------------------------------------------

5.
Excused Performance Problems

FIS shall not be liable to Client or its End Users for any failure to meet a
Service Level (“Problem”) to the extent that such failure is attributable to:
(i) a Force Majeure event as defined in the Agreement; or (ii) acts or omissions
of Client or its End Users; or (iii) breaches of the Agreement by Client or its
End Users. The foregoing are referred to herein collectively as “Excused
Performance Problems.”

6.
Additions and Modifications to Service Levels

In the event that any applicable system or function used by FIS to provide a
Service is replaced during the Term by a comparable system or function, the
Service Level shall, to the extent reasonably practicable, be defined during the
*****of operation of such replacement system or function, provided that such
Service Level shall be established at a level intended to achieve performance at
least the same as or better than performance under the Service Level associated
with the replaced system or function.

7.
Documentation of Changes

Any additions or modifications to Service Levels shall be documented in a
written amendment to the Agreement (and this Schedule) and mutually agreed upon
by both Client and FIS.

8.
Account Volume Growth

Batch windows are based on current account volumes as of the Effective Date.
Batch windows may be adjusted by FIS in consultation with Client should account
volumes exceed *****growth.

9.
Operational Performance and Service Levels Requirements

a.
Website and IVR Service Levels:

Scheduled Uptime - FIS shall use commercially reasonable efforts to provide
twenty-four (24) hours per day, seven (7) days per week Availability of the
website and IVR systems to Client and its End Users.
Availability - The Availability of the website and IVR systems shall be at least
***** during monthly Scheduled Uptime.
“Availability” shall mean: Actual Uptime (Scheduled Uptime less Excused
Downtime). For purposes of calculating Availability, "Actual Uptime” shall mean
the aggregate amount of time in any month during Scheduled Uptime, as measured
in minutes, during which the website and IVR are actually Available for Use.
“Available for Use” shall mean: All of the functions intended to be used by
Client and its End Users are accessible to, capable of being downloaded by, and
usable through the website and IVR systems.
For purposes of this Service Level, the Services shall not be considered to be
unavailable (i.e. not “Available For Use”) due to:
-    Failures of personal computers, laptops and computers and other devices of
End Users; or
-    Excused Force Majeure events.
b.
Excused Downtime

“Excused Downtime” shall mean the aggregate amount of time in any calendar month
during Scheduled Uptime, as measured in minutes, during which the website or IVR
is not Available For Use if and to the extent such unavailability is within
scheduled downtime windows as mutually agreed to by FIS and Client.

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Proprietary and Confidential Information – Fidelity Information Services, LLC

--------------------------------------------------------------------------------

(PID # 224877)    Page 6 of 9

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule B – Biller Service Provider (BSP) Services

--------------------------------------------------------------------------------

c.
Response Time

The average system response time to all URL requests will be less than or equal
to *****. The application performance shall be continuously monitored at the
hosting site. If degraded performance is observed, a Critical Severity Problem
will be logged and handled as per below. Root cause analysis will be performed
within *****of the incident to identify steps to be taken to avoid future
problems provided that FIS is not prevented from creating such analysis due to
third party constraints. In either case, a root cause analysis will be provided
within *****. If the monthly average Service Level falls short of the objective,
FIS shall notify Client of the issue
d.
Scalability

The system is scaled to support all concurrent users. Sufficient capacity will
be maintained to provide all users with availability and response times meeting
or exceeding the required Service Levels. Utilization will be continually
monitored. Weekly system utilization reports will be reviewed with FIS along
with a trend analysis. Based on the trend analysis, system capacity shall be
proactively added to provide sufficient capacity to meet the Service Levels.

10.
Problem Response and Resolution

a.
Severity

“Severity” is the reasonably assessed possible risk or effect of a problem on
business operations. All notifications, escalations, and standards for
responding to problems are set by Severity. The following are some of the
elements used in determining the Severity of a problem:
- the criticality of the applications being affected; and
- the number of Client’s End Users affected.
a.
Problem Response

Beginning at the time FIS is notified or otherwise becomes aware of a Problem
(the “Start Time”), FIS shall have FIS personnel capable of resolving the
Problem assigned to and in possession of the Problem within the applicable
response time set forth in the table below during FIS’s regular business hours.
b.
Problem Resolution

Beginning at the Start Time, FIS shall resolve such Problems within the
applicable Problem resolution time set forth in the table below during FIS’s
regular business hours.

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Proprietary and Confidential Information – Fidelity Information Services, LLC

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(PID # 224877)    Page 7 of 9

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule B – Biller Service Provider (BSP) Services

--------------------------------------------------------------------------------

For purposes of the Problem Resolution Service Levels, a Problem shall be deemed
resolved when the trouble ticket is closed following confirmation from Client
that the Problem has been resolved to its reasonable satisfaction.
Priority
Prior Description
First Status Update
Subsequent Status Updates
Critical
•     System Outage (application and/or tool)
•     Extensive impact to Clients’ productivity
•     Extensive impact on Clients’ Customers’ productivity (if applicable)
•     Extensive impact to payment processing
•     Extensive financial impact to Client 
*****
*****
High
•     Significant reduction in system effectiveness (application and/or tool)
•     Significant impact on Client’s productivity
•     Significant impact on Clients’ Customers’ productivity (if applicable)
•     Significant impact to data integrity and/or delivery 
*****
*****
Medium
•     Moderate reduction in system effectiveness (application and/or tool)
•     Moderate impact to Client’s productivity and/or number of Client’s
Customers impacted
•     Moderate impact to data integrity and/or delivery 
*****
*****
Low
•     Minor reduction in system effectiveness (application and/or tool)
•     Minor impact to Client’s productivity and/or number of Client’s Customers
impacted
•     Minor impact to data integrity and/or delivery
•     General inquiries
*****
*****
Low-Email
•     Low Priority Items (If urgent, please call)
*****
*****

11.
Payment Processing and Information Transfer

FIS has the responsibility to maintain its software and to process and transmit
all payment transactions with one hundred percent (100%) accuracy, no later than
the agreed upon transmission time, subject to exclusions and excused events in
accordance with this Exhibit B.

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Proprietary and Confidential Information – Fidelity Information Services, LLC

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(PID # 224877)    Page 8 of 9

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

EXHIBIT C
BSP SERVICES CHARGES
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****
*****

Application Transaction Fees and presentment fees are calculated as “Fill a
Tier” based on the monthly volume.
Initial implementation cost for Pioneer will be *****and is included in the
fixed implementation fees as described in SOW 01 – Implementation Services.
Additional units in future can be setup at implementation price mentioned above.

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

--------------------------------------------------------------------------------

(PID # 224877) FIS initials & date: _____________________ Client initials &
date: _____________________    Page 9 of 9

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

Proprietary and Confidential Information – Fidelity Information Services, LLC

--------------------------------------------------------------------------------

(PID # 224877) )         Page 10 of 26

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

This Schedule C – Virtual Back-Office (VBO) with AutoSuite Services (“Schedule
C”) to the Master Services Agreement between Pioneer Financial Services, Inc. of
Kansas City, Missouri (“Client”) and Fidelity Information Services, LLC (“FIS”)
is made effective as of the Services Effective Date stated in the Agreement. The
Term of this Schedule is as defined in the Agreement. By entering into this
Schedule C under the Agreement, Client has engaged FIS to provide the use of
FIS’s Virtual Back-Office (VBO) services (“VBO Services”) and ASP Services (as
defined below), utilizing the FIS AutoSuite Automotive Finance core servicing
platform hosted by FIS for Client. Additionally, FIS will host FIS AutoSuite
Default Manager for Client to use within their own collection department.
Client’s use of the foregoing shall be referred to in this Schedule as the
(“Consumer Finance Processing Services” or “Services”) which are as more
particularly described in this Schedule, for the fees and charges and upon the
terms and conditions set forth below and in the exhibits to this Schedule.
Unless otherwise defined herein, capitalized terms used in this Schedule C shall
have the meaning assigned to them in the Agreement. The following exhibits are
incorporated under this Schedule:

•
Exhibit A – ASP Hosted Applications

•
Exhibit B – Service Levels for VBO AND ASP Hosted Applications

•
Exhibit C – Charges

1.
Definitions. As used in this Schedule, the following definitions shall have the
meaning ascribed to them below:

1.1.
“Application Support Services” shall mean the services provided by FIS to
fulfill a) Software Service Request submitted by Client, or b) answer questions
Client may have regarding ASP Hosted Applications c) research performed by FIS
on behalf of Client or d) resolution of Severity Level 4 and 6 Incidents.

1.2.
“ASP Hosted Applications” shall mean the FIS software that operates within FIS’s
ASP as defined in Exhibit A.

1.3.
“ASP Services” are the services described in Sections 9 and 11 below.

1.4.
“Borrower” shall mean a loan account customer.

1.5.
“Browser Based Interface” or “BBI” shall mean a GUI interface for certain
mainframe ASP Hosted Applications, provided by FIS via the ASP Hosted
Applications or FIS Provided Third Party Software.

1.6.
“Business Days” shall mean each Monday through Friday except holidays recognized
by the Federal Reserve System Board of Governors (“Holidays”). All references to
days shall mean calendar days, unless otherwise specified.

1.7.
“Client Provided Third Party Software” shall mean any program or part of a
program, which is licensed or sublicensed to Client by a Third Party that has
the right to provide that license or sublicense, and for which Client has
responsibility for maintaining an active maintenance agreement with the Third
Party and for providing application support unless otherwise specifically
identified in this agreement.

1.8.
“Client Resources” shall mean those assets, services, personnel and rights,
leased, contracted for, licensed, or owned by Client, Client Software, and
Client Provided Third Party Software to be made available to FIS by Client to
enable FIS to provide the Services.

1.9.
“Client Software” shall mean any program or part of a program (or any
modifications, updates or enhancements to such Client Software) which is owned
by Client which is made available by Client to FIS and which is necessary for
FIS to provide the Services. Under no circumstances shall the ASP Hosted
Applications and work performed by FIS related to the ASP Hosted Applications
constitute Client Software for purposes of the Agreement.

--------------------------------------------------------------------------------

Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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(PID # 224877) FIS initials & date: _____________________ Client initials &
date: _____________________    Page 1 of 26

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

1.10.
“Commencement Date” shall mean the date when the Services are first available
for Client’s production use.

1.11.
“Defect” shall mean any failure, malfunction, defect or non-conformity in the
ASP Hosted Applications, which prevents the ASP Hosted Applications from
substantially operating and/or performing in any material respect in accordance
with the Documentation.

1.12.
“Division of Labor” shall mean a document created and mutually agreed upon
during implementation that clearly defines the tasks to be performed and the
responsibility for performing such task as either provided by FIS, Client, or a
third party.

1.13.
“Documentation” shall mean FIS’ standard operating instructions relating to the
ASP Hosted Applications,

1.14.
“FIS Application Service Provider (ASP)” shall mean the operation of the FIS’s
ASP Hosted Applications in a FIS provided production environment within the FIS
Technology Center(s) utilizing a same instance/version of FIS’s ASP Hosted
Applications for multiple FIS Clients.

1.15.
“FIS Provided Third Party Software” shall mean any program or part of a program,
which is licensed or sublicensed to FIS by a third party, including, without
limitation, those applications that operate within FIS’s Technology Center.

1.16.
“FIS Technology Center” shall mean as of the Effective Date, FIS’s data
center(s) located in Little Rock, Arkansas and/or such other or replacement
locations as FIS may designate.

1.17.
“Incident” shall mean an unplanned interruption to a Service, a reduction in the
quality of a Service, or a failure of a configuration item that has not yet
impacted a Service.

1.18.
“Lending Policies” shall mean policies defined by the Client to be incorporated
into the Operating Procedures.

1.19.
”Level 1 Service Request” shall mean incoming borrower service requests
typically fulfilled during the initial Borrower interaction (phone call, email,
chat) and do not require additional research, review or Client approval. These
service requests typically include account inquiries, non-monetary borrower and
account maintenance. FIS’s service representative will attempt to resolve the
service request during the initial call. In the event the service request cannot
be resolved during the initial Borrower session, the request will be referred to
another FIS employee as a Level 2 service request. FIS will collaborate with
Client to define and develop mutually agreeable procedures for Level 1 and Level
2 service requests which will be documented in an addendum to Exhibit B in this
Schedule.

1.20.
“Level 2 Service Request” shall mean incoming Borrower service requests that
require additional research, review, or Client approval. These Borrower service
requests are routed to a FIS back office service agent to fulfill the service
request. In certain situations these service requests are routed to the Client
for approval and/or instructions. These service requests typically include
monetary and non-monetary borrower and account transactions.

1.21.
“Mainframe” shall mean the CPU and all associated peripheral devices, operating
systems and all subsystems provided by FIS.

1.22.
“Modification” shall mean any customization, enhancement, modification or change
made to the ASP Hosted Applications by FIS, Client or any third party acting on
behalf of FIS or Client. For the avoidance of doubt, Modifications do not
include Client Materials.

1.23.
“Operating Procedures” shall mean the servicing procedures and operating
guidelines mutually developed during implementation and completion of the
Division of Labor document.

1.24.
“Production Support-Application Services” shall mean Services necessary to
maintain and operate the ASP Hosted Applications.

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Proprietary and Confidential Information – Fidelity Information Services, LLC

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(PID # 224877) )         Page 2 of 26

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

1.25.
“Production Support-Systems Services” shall mean Services to maintain and
operate the hardware, operating systems and FIS Provided Third Party Software on
which the ASP Hosted Applications are installed.

1.26.
“Software Service Request” shall mean a request by Client for FIS to make a
change to the ASP Hosted Applications which is not an Incident related to a
Defect or Modification (either base or custom).

1.27.
“Service Level(s)” shall mean the performance measurements according to metrics
set forth in Exhibit B to this Schedule.

1.28.
“Specifications” shall mean the accumulation of Lending Policies, Operating
Procedures and Division of Labor.

1.29.
“Upgrades” shall mean Services to be performed by FIS to apply new versions of
the ASP Hosted Applications to FIS’ ASP environments.

2.
Loan Origination Services

2.1.
FIS is not providing any services relative to loan application, underwriting,
fulfillment, closing, funding, or other loan origination services.

3.
VBO – Back Office and Customer Contact Services.

3.1.
FIS, by itself or through a third party, will provide the Services described in
this Section (“VBO Services”) in accordance with this Schedule and
Specifications and mutually agreed to by the parties in writing.

3.2.
VBO Services consist of the following business processes related to servicing
the Borrower and the loan account pertaining to consumer unsecured loan.

3.2.1.
Incoming Borrower communications to include phone, chat, and email service
request initiated from Client’s “My Accounts” on-line web based customer
self-service system.

3.2.2.
Level 1 Borrower service request.

3.2.3.
Level 2 Borrower service request.

3.2.4.
VBO Services will be provided using standard policies and procedures based on
Client requirements and will be reviewed and approved by both parties prior to
implementation and ongoing prior to use as updated. Client acknowledges and
understands FIS will not provide support for Client licensed and/or operated
third-party systems.

3.3.
Client will provide one or more toll free number(s) and be responsible for the
related telephony costs to be used in association with collections and customer
service functions.

3.4.
Client is solely responsible for all legal, regulatory, risk management and
procedural compliance related to the Services provided by FIS on behalf of the
Client.

3.5.
Client will provide not less than two (2) months lead time to train FIS
personnel on all upcoming promotional and non-standard events, and (c) will
participate in due diligence

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Proprietary and Confidential Information – Fidelity Information Services, LLC

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(PID # 224877) )         Page 3 of 26

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

meetings with FIS prior to implementation to provide any existing procedures
Client is using and to review and approve the procedures that will be used by
FIS.

3.6.
Interactive voice response (“IVR”) will be provided and administered by FIS. The
IVR will provide the Customer the ability to authenticate, obtain current
balance, payment amount due and due date, and provide the ability to make a
payment. Customers will have the ability to opt out to a CSR.

3.7.
Chat software will be provided and maintained by FIS.  Chat will be used where
appropriate for the purpose of administering loan servicing requests originating
from Client’s “My Accounts” on-line web based customer self-service system.

3.8.
VBO Services according to the Division of Labor. The table below is a subset of
the full Division of Labor that will be completed as part of the implementation
project.

Description
FIS
Client
New loan origination processing
*****
*****
Customer loan application calls
*****
*****
New loan origination upload to servicing system
*****
*****
New loan upload quality control processes
*****
*****
Borrower/account inquiries and servicing
*****
*****
Validate borrower prior to releasing account information
*****
*****
Detailed customer/account research
*****
*****
Borrower/account monetary service request (example: processing over payment
refund)
*****
*****
Borrower/account non-monetary service request (example: providing borrower with
copy of agreement)
*****
*****
Payment posting, research, exception processing
*****
*****
Identify up-sell refinance opportunities
*****
*****
Provide up-sell refinance leads to Client
*****
*****
Negotiate refinance terms and conditions with borrower
*****
*****
Fulfill refinance loan closing process
*****
*****
Borrower address corrections
*****
*****
Credit bureau processes and disputes
*****
*****
Debt protection processing
*****
*****
Return mail processing
*****
*****
Daily reconciliation of portfolio to sub-ledger
*****
*****
Reconciliation to corporate General ledger
*****
*****
Manage FIS 3rd party relationships
*****
*****
Manage Client 3rd party relationships
*****
*****
Lockbox management
*****
*****

4.
Staffing for VBO Services.

4.1.
FIS will provide the necessary staffing to support the agreed upon account
volumes, service levels, and VBO Services requirements, and during the hours of
operation (Business Hours) in accordance with this section.

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Proprietary and Confidential Information – Fidelity Information Services, LLC

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(PID # 224877) )         Page 4 of 26

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

4.2.
Client’s anticipated customer account volumes will be provided to FIS by Client
by Effective Date.

4.3.
Client shall provide FIS with no less than sixty (60) days’ notice of
anticipated volume decreases or increases in excess of ***** in order for FIS to
add additional staff.

4.4.
Customer Contact Center Services will be provided during the Business Hours:

Monday through Sunday
8:00 am to 8:00 pm ET
Holidays
Closed

4.5.
Back Office Services will be provided during the following Business Hours:

Monday through Friday
8:00 am to 5:00 pm ET
Saturday and Sunday
Closed
Holidays
Closed

5.
Service Levels for VBO Services.

The Service levels for VBO Services are in Exhibit B.

6.
Print and Mail Services.

6.1.
FIS shall provide print and mail services for the standard Borrower statement as
an exception process for those which are not delivered electronically to
Borrower. Any special or additional print and mail services may be requested by
Client from FIS and set forth in a mutually agreed SOW.

6.2.
FIS shall follow mutually agreed upon procedures and time schedules to timely
print and mail Borrower documents on a periodic basis in accordance with the
Specifications. FIS shall print and mail documents pursuant to the frequency
schedule agreed by the parties, but in no event later than one (1) day after the
date agreed to by the parties. FIS shall be responsible for supplying all
standard materials for printing and mailing, except that Client shall be
responsible for reimbursing FIS for all Client printing and mailing materials
remaining in inventory upon expiration or termination of this Schedule.

6.3.
Postage fees are additional fees and will be charged at the lowest United States
Postal Service automation rates available and applicable. All mail pieces that
do not have a standardized address will be charged at the standard full postage
rate and not at the applicable automation rate. Rejects resulting from incorrect
addresses may be mailed at higher non-automation postage rates.

7.
Document Imaging Services.

FIS shall provide a standard API to load Contract Documents from Client partner,
eOriginal, into the FIS imaging solution. Imaged contract documents will be
available through BSP.

8.
Communication and Contacts. FIS will meet with Client via conference call on a
mutually agreed upon frequency to review performance, and Quarterly Business
Reviews will be conducted to discuss strategy, performance and engagement. Each
party shall designate a primary and backup contact to communicate with the other
party to resolve issues as needed. All communication regarding VBO Services
shall go through the FIS Client services team as the initial point of contact.

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Proprietary and Confidential Information – Fidelity Information Services, LLC

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(PID # 224877) )         Page 5 of 26

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

9.
Software and Technology. The following are the ASP Services to be provided to
Client by FIS under this Section 9:

9.1.
ASP Hosted Applications and FIS Provided Third Party Software. FIS, using the
software stated in Exhibit A, will perform data processing services for Client
as described in this Schedule C. Client acknowledges that its use of software in
connection with its receipt and use of the ASP Services under this Schedule are
non-exclusive, personal, non-transferable (except in direct connection with a
permitted assignment of the Agreement), limited use rights during the Term of
this Schedule, and that FIS does not convey or grant to Client any other use,
license, or any rights in or to the ASP Hosted Applications or FIS Provided
Third Party Software. All rights of FIS to the ASP Hosted Applications, and of
the owners of FIS Provided Third Party Software, not expressly granted in this
Schedule are reserved. The provisions set forth in 7.3 below shall also apply
with respect to any FIS Provided Third Party Software.

9.2.
Client Software and Client Provided-Third Party Software. FIS will use all
Client Software and Client Provided Third Party Software exclusively in
connection with providing the Services and any Deliverables to Client.
Additional use of Client Software by FIS shall require the written consent of
Client. FIS reserves the right in advance of any processing or use of such
software to assure compatibility with equipment and consistency with other
processing requirements, techniques and standards. If any use of such software
increases or decreases FIS’s operating costs, FIS will so advise Client and both
Client and FIS will negotiate to agree upon the appropriate changes to the
Monthly Per Account Fee as set forth in Exhibit C. Client is responsible to
provide application support for Client Software and Client Provided Third Party
Software unless otherwise specifically identified in this agreement. The
provisions set forth below shall also apply with respect to any Client Software.

9.3.
Third Party Software and Maintenance.

(a)    Third Party Software. FIS will use all Client Provided Third Party
Software for the exclusive use by Client in connection with the Services to
Client. Additional use of Client Provided Third Party Software by FIS shall
require the prior written consent of Client. For any Client Provided Third Party
Software, FIS reserves the right in advance of any processing or use of any
Client Provided Third Party Software to assure compatibility with equipment and
consistency with other processing requirement, techniques, and standards. If any
use of such Client Provided Third Party Software increases or decreases FIS’s
operating costs, FIS will so advise Client and both Client and FIS will
negotiate to agree upon the appropriate changes to the monthly per account fee.
Client will procure all consents and pay any expenses necessary to allow FIS to
use any Client Provided Third Party Software. If a defect occurs in the Client
Software, Client Provided Third Party Software or FIS Provided Third Party
Software or if such Client Provided Third Party Software or FIS Provided Third
Party Software does not function in accordance with its specifications during
the Term, FIS and Client shall cooperate fully with each other to cause such
third party to promptly correct such defect to the extent required under the
applicable agreement. To the extent that any Client Provided Third Party
Software or FIS Provided Third Party Software or necessary part thereof is not
made available to FIS or if a defect in any Client Provided Third Party Software
or FIS Provided Third Party Software or necessary part thereof inhibits FIS’s
provision of the Services, and despite FIS’s reasonable efforts to avoid and
minimize such occurrence, FIS shall be excused from providing such Services
until at least the Client Provided Third Party Software or FIS Provided Third
Party Software is made available or the defect remedied plus a reasonable time
thereafter. FIS shall use its reasonable best efforts to propose interim “work
around” solutions and to contact and negotiate with such third party software
vendors in an effort to accomplish the prompt elimination of any problems, and
Client shall reimburse FIS on a pass-through expense basis for any costs
incurred by FIS.

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Proprietary and Confidential Information – Fidelity Information Services, LLC

--------------------------------------------------------------------------------

(PID # 224877) )         Page 6 of 26

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

(b)    Third Party Software Maintenance. During the Term, Client will provide
and pay for all software maintenance for the Client Provided Third Party
Software. During the Term, FIS will provide as part of the monthly per account
fee all third party software maintenance for the FIS Provided Third Party
Software.

9.4.
Standard Enhancements. FIS may, as FIS deems necessary, install standard
Upgrades to the ASP Hosted Applications on a periodic basis, as determined by
FIS. FIS will notify the Client at minimum 30 days in advance of the timing of
such Upgrades and give the Client the opportunity to perform user acceptance
testing prior to migrating the Upgrades to production.

9.5.
Custom Code. During the Term, Client may make Modifications to ASP Hosted
Applications that are specific to Client and not included in the base FIS
Software. Such requests will be deemed additional Services under the Agreement
under one or more Statements of Work under the Agreement and with reference to
this Schedule.

10.
Third Party Services. All third-party service agreements not otherwise managed
by FIS as specifically set forth in this Schedule shall be established by the
Client and all third-party expenses associated therewith shall therefore be
Client’s responsibilities.

10.1.
In order for FIS to provide the Services, Client shall provide FIS with access
to Client’s system and procure the right for FIS to use the services and any
deliverables of Client’s third-party service providers as and when applicable.
FIS (on Client’s behalf) will then obtain from such third party providers the
necessary information, deliverables as applicable, and services required to
provide the Services described herein. FIS shall only access and use the
services of those providers as authorized in writing by Client to FIS.

10.2.
Client acknowledges and agrees that (i) FIS makes no representations or
warranties regarding any of the information, deliverables and services that
Client receives from a third-party provider, and (ii) FIS shall have no
responsibility or liability whatsoever for the quality, quantity or timeliness
of delivery of any information, deliverable or service ordered from a
third-party service provider.

11.
ASP Services. - The following are the ASP Services to be provided to Client by
FIS under this Schedule, for the ASP Hosted Applications listed in Appendix A:

11.1.
Production Support – Application Services shall consist of the following:

11.1.1.
Respond and investigate all Incidents that appear to be caused by ASP Hosted
Applications Defect that require immediate response regardless of severity
level; escalate as appropriate. Specifics are stated in Exhibit B.

11.1.2.
Resolution of severity level 1 and 2 Incidents according to Service Levels set
forth in Exhibit B.

11.1.3.
Year‑end or other unique calendar event processing as mutually agreed.

11.1.4.
ASP Hosted Applications performance monitoring and tuning.

11.1.5.
ASP Hosted Applications testing required for hardware, operating system and
Third Party Software changes at the Installation Site.

11.1.6.
Management and execution of Change Control Process for the ASP Hosted
Applications.

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Proprietary and Confidential Information – Fidelity Information Services, LLC

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(PID # 224877) )         Page 7 of 26

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

11.1.7.
Test regions and support to allow the Client to perform user acceptance testing
on changes to the ASP Hosted Applications before they are migrated to
production. 30 day lead time will be provided for testing.

11.2.
Production Support ‑ Systems Services.

FIS will provide processing and operational services for data processing and
computer systems that support Client's use of the ASP Hosted Applications. FIS
will provide the following:
11.2.1.
Batch Support. Manage production batch processing jobs for ASP Hosted
Applications, process online application files and other output deliverables
that are dependent on batch processing which are available subject to the
Service Levels in Exhibit B.

11.2.1.1.
Maintain production job schedules and cooperate with Client by reasonably
responding to special processing requests and new processing requirements for
production.

11.2.1.2.
Perform batch processing of input data from Client using the ASP Hosted
Applications *****per ***** exclusive of Holidays.

11.2.1.3.
Monitor schedule-related Incidents and recommend refinements and revisions to
the production operations schedules.

11.2.2.
Online Support. ‑ FIS shall make the ASP Hosted Applications available for use
by Client. FIS shall provide Client on-line access to the ASP Hosted
Applications from Client workstations and through web services access, if
applicable, during the hours of online availability.

11.2.3.
Controls. ‑ FIS uses processes, tools and resources to manage and control the
performance of the Services for Client:

11.2.3.1.
Capacity Management. Using forecasted loads from Client for new projects and the
evolution of existing services and projected growth volumes, this process
defines what resources will be required to cover Client demands. FIS will
provide capacity management services for CPU and web resources, DASD and tape.
Client will participate in and provide drivers for the capacity planning
process.

11.2.3.2.
Change Management. FIS will use the Change Control Process for planning,
coordinating, reporting and monitoring changes to the Client environments
affecting the Services scope, delivery, timing, and/or pricing. FIS will perform
the changes to Client environments during the Scheduled Maintenance Window. FIS
and Client acknowledge the importance of managing change and commit to submit
all such changes through the FIS Change Control Process.

11.2.3.3.
Performance Management. FIS will provide monitoring of host, server and web
systems to measure, analyze and report on attainment of service levels as set
forth in Exhibit B. FIS maintains tools to provide alerts related to service
levels and communicate to Client as stated in Exhibit B.

11.2.4.
Backups and Media. 

11.2.4.1.
File and Program Backup and retention policies. FIS standards are defined by
platform. After such time as the FIS employees receive and operate Client’s data
on appropriate media in electronic format at FIS’s facilities, FIS will provide
and maintain reasonable backup files on appropriate media for such Client data.
FIS is responsible to adjust ASP Hosted Applications jobs and programs to
utilize FIS backup processes and procedures.

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Proprietary and Confidential Information – Fidelity Information Services, LLC

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(PID # 224877) )         Page 8 of 26

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

11.2.4.1.1.1.
Mainframe. Daily backups are retained for *****with the exception of Input files
which will be retained for *****. Monthly backups are retained for *****. Annual
backups will be retained. In the event processing services relating to the
Services are terminated on or after the annual data retention boundary mutually
agreed, Client may elect to either (i) take possession of the backups or
(ii) pay FIS at FIS’s then current rates to continue retention of the backups.

11.2.4.1.1.2.
Distributed. Daily backups are retained for ***** with the exception of input
files which will be retained for *****. Weekly backups are retained for *****.
Monthly backups are retained for *****. Annual backups will be retained as
mutually agreed. In the event processing services relating to any FIS Services
are terminated on or after the annual data retention boundary mutually agreed,
Client may elect to either (i) take possession of the backups or (ii) pay FIS at
FIS’ then-current rates to continue retention of the backups.

11.2.4.2.
Reports Backup and Retention Policies.

11.2.4.2.1.1.
Mainframe. FIS will retain reports according to the retention periods defined in
SAR according to FIS standards. In response to the storage media needs to
support the mutually-agreed usage and retention, FIS will purchase storage media
as needed to meet the incremental increased consumption relating to such
retention requested by Client and Client agrees to pay those charges through a
mutually agreeable SOW.

11.2.4.2.1.2.
Distributed. FIS reporting is created through real-time queries on the
associated reporting database and retained according to the information
retention policy. Reports can be recreated based on user defined ‘as of date’
within the associated database. Queries are not retained by FIS.

11.2.4.3.
File Transmissions.

FIS and Client will mutually agree on and maintain a secure and encrypted file
transmission protocol prior to the Commencement Date.

11.3.
Application Support Services.

FIS will provide Application Support Services to fulfill Software Service
Requests submitted by Client, according to a process (“Software Service Request
Process”) to be mutually agreed by the parties prior to the Commencement Date
and on an individual basis according to a priority assigned solely by Client.
Examples of Software Service Requests consist of the following but are not
limited to:
a)
general support requests,

b)
ad‑hoc report requests, maintenance transactions, new or existing transmission
changes,

c)
PARM or configuration changes,

d)
handling exception processing due to events at Client, and

e)
changes to data retention/backup requirements and research.

Client shall review the Software Service Request prioritization with FIS in a
weekly meeting.

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Proprietary and Confidential Information – Fidelity Information Services, LLC

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(PID # 224877) )         Page 9 of 26

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

Additionally FIS will provide Application Support Services to resolve Incidents
for Severity Levels 4 and 6 according to a process (“Incident Resolution
Process”) to be mutually agreed by the parties prior to the Commencement Date
and on an individual basis according to a priority assigned by Client.
Client shall prioritize Incidents with input from FIS and the parties shall
review this prioritization in a weekly meeting. FIS will produce an updated New
Incidents This Week report for use in prioritization each week.
As part of the monthly per account fee, FIS shall provide these Application
Support Services in the amount of ***** per *****. FIS shall track such hours
and report them to Client on a monthly basis. In the event Client requires
additional hours in excess of *****, FIS will seek Client approval to perform
the work and Client will be billed at the standard rate.

11.4.
Miscellaneous. FIS will not have access to online production data except as
granted by Client administration of ASP Hosted Applications security to apply
configuration changes or provide Services as requested by Client. All FIS access
to other Client production data will be granted via firefighter IDs which are
subject to detailed controls reported to Client and expire no later than 5 am CT
on the day following when the firefighter ID is activated.

12.
Set-up and Implementation. FIS will set up infrastructure and
environment/systems to support the ASP Services under this Schedule as described
in SOW 01 - Implementation Services executed by the parties under the Agreement.

13.
Professional Services. All professional services to be provided by FIS to Client
shall be described in an applicable SOW governed by the Agreement.

14.
Client Responsibilities.

14.1.
Client shall be responsible for product management and pricing, regulatory
compliance and reporting, tax compliance and reporting, risk management, its own
third-party relationships, and legal requirements with respect to all services
Client provides to its Customers.

 

14.2.
Client shall provide to FIS Client’s mail and marketing plans for marketing
effort, including certain blitz and one-time marketing campaigns (“Media
Promotions”) and notice of forecasts related to such Media Promotions (including
but not limited to radio, television, direct mail, Internet, and other media)
from which FIS and Client will mutually agree upon anticipated volume
projections, at least every ninety (90) days and in sufficient detail to allow
FIS to make appropriate staffing decisions and adjustments.

14.3.
Client shall provide to FIS Client’s completed written lending policies,
procedures, and guidelines (“Lending Policy”) and any changes or updates thereto
in a timely manner for purposes of delivering the Services. Client understands
and agrees that the furnishing of the Lending Policy to FIS is a condition
precedent to the performance of FIS’ duties hereunder. Client shall maintain its
own interest rates, terms, loan-to-value ratios and other underwriting criteria.
Client shall comply with all applicable state and federal laws, rules, codes,
regulations, and other requirements governing consumer finance companies. Client

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(PID # 224877) )         Page 10 of 26

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

warrants that its Lending Policy is fully compliant with all such applicable
requirements. Client shall provide FIS with notice at least thirty (30) business
days prior to making any changes to the Lending Policy. Any changes to the
Lending Policy shall be addressed under the Change Control Process. For the
avoidance of doubt, Client shall pay any one-time, implementation, and increased
recurring fees to cover FIS’s increased costs in providing the Services as a
result of Lending Policy changes.

14.4.
FIS shall make commercially reasonable efforts to process and service consumer
loans per Client’s Lending Policy. Client shall indemnify FIS from any loss,
liability, claims, and damages arising from FIS’s compliance with Client’s
Lending Policy.

14.5.
Client Responsibility Matrix.

Description of Task
FIS
Client
Financial Products
 
 
Product Management
*****
*****
Pricing
*****
*****
Regulatory Compliance and Reporting
*****
*****
Tax Compliance and Reporting
*****
*****
Risk Management
*****
*****
     FIS 3rd Party Relationships
*****
*****
     Client 3rd Party Relationships
*****
*****
Marketing
 
 
Mail and Marketing Plans
*****
*****
Media Promotions
*****
*****
Volume Forecasts
*****
*****
Policies
 
 
Lending Policies (Policies and Guidelines)
*****
*****
Interest Rates
*****
*****
Underwriting Policies
*****
*****
Comply to State and Federal Regulations
*****
*****
Provide GL and AP system to which servicing system will interface
*****
*****

15.
U.S.-Based Accounts.

15.1.
The Services under this Schedule are provided for Client’s use for accounts
based in the United States only.

 

EXHIBIT A

ASP HOSTED APPLICATIONS

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(PID # 224877) )         Page 11 of 26

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

1.    SOFTWARE USED FOR THE ASP SERVICES. FIS will provide the ASP Services
utilizing the following applications hosted in the FIS Technology Center:
The ASP Hosted Applications used to provide the ASP Services shall be the
following:

•
AutoSuite – Automotive Finance (AF)

•
AutoSuite – Default Manager (DM)

•
SAP Business Objects included as FIS-Provided Third Party Software

•
Financial Management System (FM)

•
Architecture Systems (GN)

The SAP Business Objects license is subject to SAP’s required end user terms
which are attached as Exhibit A-1.

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Proprietary and Confidential Information – Fidelity Information Services, LLC

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(PID # 224877) )         Page 12 of 26

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

EXHIBIT A-1:

SAP BUSINESSOBJECTS SOFTWARE
END USER LICENSE AGREEMENT (“EULA”)

SAP® BUSINESSOBJECTS™ LICENSE AGREEMENT
IMPORTANT-READ CAREFULLY: THIS IS A LEGAL AGREEMENT BETWEEN YOU AND SAP
BUSINESSOBJECTS FOR THE SAP BUSINESSOBJECTS SOFTWARE ACCOMPANYING THIS
AGREEMENT, WHICH MAY INCLUDE COMPUTER SOFTWARE, ASSOCIATED MEDIA, PRINTED
MATERIALS AND ONLINE OR ELECTRONIC DOCUMENTATION (“SOFTWARE”). BEFORE CONTINUING
WITH THE INSTALLATION OF THE SOFTWARE, YOU MUST READ, ACKNOWLEDGE AND ACCEPT THE
TERMS AND CONDITIONS OF THE SOFTWARE LICENSE AGREEMENT THAT FOLLOWS
(“AGREEMENT”). IF YOU DO NOT ACCEPT THE TERMS AND CONDITIONS OF THE AGREEMENT,
YOU MAY RETURN, WITHIN THIRTY (30) DAYS OF PURCHASE, THE SOFTWARE TO THE PLACE
YOU OBTAINED IT FOR A FULL REFUND.
1. GRANT OF LICENSE. SAP BusinessObjects grants you a nonexclusive and limited
license to use the Software products and functionalities for which you have paid
the applicable fees solely for your internal business purposes and in accordance
with the terms and conditions of this Agreement. The Software is licensed, not
sold, to you. If you acquired this product as a special offer or as a
promotional license included with another SAP BusinessObjects product,
additional restrictions apply as set forth in section 3.10 (“Promotional
License”) below. If you acquired this product bundled or in combination with a
third party product, you may only use the Product with the third party product
as described in section 3.7 (“Restricted License”) below. This license does not
apply to any other software program provided with the Software, including
promotional software, which is governed by the online software license agreement
included with that software. If you acquire or are provided with any
directories, components, connectors, utilities, data, or other items from SAP
BusinessObjects for use with the Software (the “Additional Technology”), your
use of the Additional Technology shall be in accordance with the terms,
conditions, obligations and restrictions of this Agreement. The term “Software”
as used herein, shall be deemed to include the Additional Technology and Third
Party Products.
“SAP BusinessObjects” is the Business Objects company from whom you are
purchasing the Software or related services, either directly or indirectly
through a reseller; or if no Business Objects company exists in your country,
then Business Objects Software Limited.
2. INSTALLATION AND USE. You may install and use the Software only in the
configuration and for the number of licenses acquired by you. You may also
install non-production copies of the Software as is reasonably necessary for
disaster recovery, emergency restart and backup, including, but not limited to
making copies for such purposes for use at one or more disaster recovery sites.
In order to exercise your rights to the Software under this License Agreement
you must activate your copy of the Software in the manner described during the
launch sequence. SAP BusinessObjects may control the number and type of licenses
and the use of the Software by key codes.
3. LICENSE TYPES, AND DEFINITIONS.
3.1. Application License. An Application License permits you to install a single
instance of the Software in a single or multi-server environment and to allow
users with a NUL for such Software to access and use the Software. Each
Application License is assigned to a single Deployment, and may not be shared
among different Deployments.
3.2. Named User License (“NUL”). When the Software is licensed on a Named User
basis, each individual end user must be specifically identified as the sole
holder of a NUL. The sharing of the NUL by more than one individual is expressly
prohibited. In addition, NUL(s) may not be transferred from one individual to
another unless the original end user no longer requires, and is no longer
permitted, access to the Software.
3.3. Concurrent Access License (“CAL”). When the Software is licensed on a
Concurrent Access basis, the aggregate number of end users accessing the
Software at any one time may not exceed the number of CALs you have obtained.
CAL(s) are assigned to a particular Deployment, and may not be shared among
different Deployments. When using Concurrent Access licenses, you may not
utilize a program or system to cache or queue report requests.
3.4. Processor or CPU License. When the Software is licensed on a Processor or
CPU basis the aggregate number of central processing units (“Processors”)
running any Software components(s) (except as to the following components of
Crystal Enterprise: the Web Connector, SDK, Report Publishing Wizard and report
viewers) may not exceed the number of Processors or CPU licensed. A multi-core
chip Processor with N processor cores shall be counted as follows: the first
processor core in each physical CPU shall be counted as 1 Processor or CPU, and
each incremental processor core in each physical CPU shall be counted as 0.5
Processor or CPU.
3.5. Server License. When the Software is licensed on a Server basis, the
Software may be loaded onto a single computer with up to four (4) Processors or
CPUs. A multi-core chip Processor with N processor cores shall be counted as
follows: the first processor core in each physical CPU shall be counted as 1
Processor, and each incremental processor core in each physical CPU shall be
counted as 0.5 Processor.

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(PID # 224877) )         Page 13 of 26

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

3.6. Subscription License. When the Software is licensed on a Subscription
basis, you are granted a non-exclusive and non-transferable license to use the
Software for a twelve-month term, renewable annually at Licensor’s then current
rate or such other term as mutually agreed by the parties.
3.7. Restricted License. If you acquired the Software bundled or otherwise
provided in combination with or for use with a third party product (OEM
Application), you have acquired a Restricted License. You may use each licensed
copy of the Software only in conjunction with the OEM Application with which it
was provided. Accessing data that is not specifically created or used by the OEM
Application is in violation of this license. If the OEM Application requires the
use of a data mart or data warehouse, the Software may be used with the data
mart or data warehouse only to access data created or processed by the OEM
Application. If you acquired Crystal Xcelsius bundled or otherwise provided in
combination with Planning Applications, you have acquired a Restricted License
with respect to Crystal Xcelsius. You may use Crystal Xcelsius only in
conjunction with the Planning Applications, and accessing data that is not
specifically created or used by the Planning Applications is in violation of
this license. Restricted Licenses may not be combined with unrestricted licenses
in the same Deployment.
3.8. Development License. If you receive a Development License, you may use the
number and type of licenses acquired only to develop or test Development. A
Development License cannot be used in or transferred to a production
environment.
3.9. Update License. If you received the Software as an update to a previously
licensed product, your license to use the Software is limited to the aggregate
number of licenses you have acquired for the previous product. If you choose to
use the Software and the previous product simultaneously, the aggregate number
of licenses used to access the Software and the previous product may not exceed
the aggregate number of licenses you acquired for the previous product.
3.10. Promotional License. If you received the Software as a special offer or
promotional license (“Promotional License”), you may only use the Promotional
Licenses with a new Deployment. Promotional Licenses may not be added to or used
with an existing Deployment or Project.
3.11. Evaluation/Not for Resale License. An Evaluation or Not For Resale License
may be used only for the number and type of licenses specified and for the
period specified on the Software packaging, ordering or shipping documentation.
Upon expiration of such specified period, the Software associated with an
Evaluation or Not For Resale license will not function unless Licensee has
obtained applicable permanent license keys. If the ordering or shipping
documentation specifies a particular project, the Software may be used only with
that project. An Evaluation License may only be used for evaluation purposes and
may not be used for production purposes. Notwithstanding any other provision of
this Agreement, Software provided under an Evaluation or Not for Resale License
are provided “AS-IS” without warranty of any kind, express or implied. An
Evaluation License or Not for Resale License may be terminated by SAP
BusinessObjects upon written notice at any time.
3.12. Definitions. “Deployment” means a single installation of one of the
following Software modules: Repository, Security Domain, Central Management
Server (“CMS”) or CMS Cluster. “Project” means one or more Deployments (a)
providing the same or substantially similar reports; (b) utilizing the same or a
substantially similar custom application interface; or (c) used with
applications consisting of related modules or components.
3.13. Third Party Products. “Third Party Product” means any product listed on
SAP BusinessObjects’ Third Party Price List, or otherwise specified as a third
party product on the ordering documentation or the SAP BusinessObjects product
documentation. If included with the Third Party Product, use thereof is solely
governed by the terms and conditions of the shrink-wrap or click-wrap agreement
accompanying such Third Party Product (“Third Party End User Agreement”). All
Third Party Products are restricted for use solely in conjunction with the
particular Software intended by Licensor to be used therewith or with which SAP
BusinessObjects provides the Third Party Product, and may not be used with any
other SAP BusinessObjects products, or on a stand alone basis
4. PRODUCT SPECIFIC USE RIGHTS. Additional terms relating to your use of the
Software are found at www.sap.com/company/licenses/product-use-rights, which are
incorporated herein by this reference. You acknowledge and agree that these
additional terms form an integral part of this Agreement.
5. OWNERSHIP. SAP BusinessObjects and/or its suppliers retain all right, title
and interest in and to the Software and all copies at all times, regardless of
the form or media in or on which the original or other copies may subsequently
exist. You neither own nor hereby acquire any claim or right of ownership to the
Software or to any related patents, copyrights, trademarks or other intellectual
property. You agree to retain the Software, the terms of this Agreement as well
as any Software benchmark or similar tests (whether performed by you, SAP
BusinessObjects or any third party) in confidence and prevent them from
unauthorized disclosure or use except with SAP BusinessObjects’ prior written
consent. SAP BusinessObjects and/or its suppliers reserve all rights not
expressly granted to you. SAP BusinessObjects’ suppliers are the intended third
party beneficiaries of this License Agreement and have the express right to rely
upon and directly enforce the terms set forth herein.
6. COPYRIGHT. The Software is copyrighted by SAP BusinessObjects and/or its
suppliers and is protected by United States copyright and patent laws and
international treaty provisions. You may not copy the Software except: (a) to
provide a non-production backup copy; or (b) to install the Software components
licensed by you, as set forth in Sections 2, on to computers as part of
executing the Software. Solely with respect to the documentation included with
the Software, you may make a reasonable number of copies (either in hardcopy or
electronic form), provided that such copies shall be used only by licensed end
users in conjunction with their use of the Software and are not republished or
distributed to any third party. You must reproduce and include all copyright
notices, trademarks or other proprietary legends of SAP BusinessObjects and its
suppliers

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(PID # 224877) )         Page 14 of 26

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

on any copy of the Software or documentation made by you. Any and all other
copies of the Software made by you are in violation of this License Agreement.
7. RESTRICTIONS. Except as expressly permitted by this License Agreement or by
applicable law you may not: (a) lease, loan, resell, assign, sublicense, or
otherwise distribute the Software or any of the rights granted by this License
Agreement without the express written permission of SAP BusinessObjects; (b) use
the Software to provide or operate Application Service Provider (ASP), service
bureau, marketing, third party training, outsourcing services, or consulting
services, or any other commercial service related to the Software such as
develop training materials; (c) modify (even for purposes of error correction),
adapt, or translate the Software or create derivative works therefrom except as
necessary to configure the Software using the menus, options and tools provided
for such purposes and contained in the Software; (d) in any way reverse
engineer, disassemble or decompile the Software or the .RPT report file format
(including reverse compiling to ensure interoperability) or any portion thereof
except to the extent and for the express purposes authorized by applicable law
notwithstanding this limitation; (e) use the Software to develop a product which
is competitive with any SAP BusinessObjects product offerings; (f) use the
Software to develop a product that converts the report file (.RPT) format to an
alternative report file format used by any general-purpose report writing, data
analysis or report delivery product that is not the property of SAP
BusinessObjects; (g) use unauthorized keycode(s) or distribute keycode(s); (h)
disclose any Software benchmark results to any third party without SAP
BusinessObjects’ prior written approval, (i) permit third party access to, or
use of the Software except as expressly permitted herein, and (j) distribute or
publish keycode(s). If you wish to exercise any right to reverse engineer to
ensure interoperability in accordance with applicable law, you shall first
provide written notice to SAP BusinessObjects and permit SAP BusinessObjects, at
its discretion, to make an offer to provide information and assistance
reasonably required to ensure Software interoperability with your other products
for a fee to be mutually agreed upon (if any).
8. LIMITED WARRANTY AND REMEDY.
(a) Excluding Third Party Products, SAP BusinessObjects warrants to you that:
(i) for a period of six (6) months from delivery of the Software, the Software
will substantially conform to the functional description set forth in its
standard documentation; and (ii) for a period of six (6) months from delivery
the physical media (e.g., CD-ROM, DVD, and Electronic Software Distribution)
will be free from defects in materials and workmanship. Any implied warranties
on the Software and Third Party Products and media are limited to thirty (30)
days from delivery, to the extent such warranties cannot be disclaimed under
Section 8(c) below. The above warranties specifically exclude defects resulting
from accident, abuse, unauthorized repair, modifications, or enhancements, or
misapplication. SAP BusinessObjects does not warrant that use of the Software
will operate uninterrupted or error free. Delivery of additional copies of, or
revisions or upgrades to, the Software, including releases provided under
Support Services, shall not restart or otherwise affect the warranty period.
(b) Your exclusive remedy for breach of the above-stated limited warranty shall
be, at SAP BusinessObjects' option, either: (i) correction or replacement of the
Software with product(s) which conform to the above-stated limited warranty; or
(ii) return of the price paid for the Software and termination of this License
Agreement with respect to those copies not in compliance. Such remedy shall be
provided to you by SAP BusinessObjects only if you give SAP BusinessObjects
written notice of any breach of the above-stated limited warranty, within six
(6) months of delivery of the Software.
(c) EXCEPT FOR EXPRESS WARRANTIES STATED IN THIS SECTION 8, SAP BUSINESSOBJECTS
AND ITS SUPPLIERS DISCLAIM ALL OTHER WARRANTIES, INCLUDING WITHOUT LIMITATION,
ANY IMPLIED WARRANTY (I) OF MERCHANTABILITY, (II) OF FITNESS FOR A PARTICULAR
PURPOSE, (III) OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, OR (IV) AGAINST HIDDEN
DEFECTS. SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED
WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU, AND YOU MAY HAVE OTHER
LEGAL RIGHTS THAT VARY FROM STATE TO STATE OR BY JURISDICTION. YOU ACKNOWLEDGE
THAT IN ENTERING INTO THIS AGREEMENT, YOU HAVE RELIED UPON YOUR OWN EXPERIENCE,
SKILL AND JUDGMENT TO EVALUATE THE SOFTWARE AND THAT YOU HAVE SATISFIED YOURSELF
AS TO THE SUITABILITY OF THE SOFTWARE TO MEET YOUR REQUIREMENTS.
9. LIMITATION OF LIABILITY. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW,
IN NO EVENT WILL SAP BUSINESSOBJECTS OR ITS DISTRIBUTORS, SUPPLIERS OR
AFFILIATES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, SPECIAL,
INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, ANY
LOST PROFITS OR REVENUES, LOSS OR INACCURACY OF ANY DATA, OR COST OF SUBSTITUTE
GOODS, REGARDLESS OF THE THEORY OF LIABILITY (INCLUDING NEGLIGENCE) AND EVEN IF
SAP BUSINESSOBJECTS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SAP
BUSINESSOBJECTS AND ITS SUPPLIERS’ AGGREGATE LIABILITY TO YOU FOR ACTUAL DIRECT
DAMAGES FOR ANY CAUSE WHATSOEVER SHALL BE LIMITED TO THE SOFTWARE LICENSE FEES
PAID BY YOU FOR THE SOFTWARE OR THE FEES PAID BY YOU FOR THE SERVICE DIRECTLY
CAUSING THE DAMAGES. SAP BUSINESSOBJECTS WILL NOT BE LIABLE FOR DAMAGES FROM
THIRD PARTY PRODUCTS. THESE LIMITATIONS WILL APPLY NOTWITHSTANDING ANY FAILURE
OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY. THE FOREGOING ALLOCATION OF RISK IS
REFLECTED IN THE FEES CHARGED UNDER THIS LICENSE AGREEMENT. SOME
STATES/JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY IN
CERTAIN CIRCUMSTANCES INCLUDED IN THIS SECTION, SO THE ABOVE LIMITATION MAY NOT
APPLY TO YOU ONLY IN SUCH CIRCUMSTANCES.
10. SUPPORT SERVICES. If you purchased Support Services, SAP BusinessObjects
will provide to you product support services for the Software in accordance with
SAP BusinessObjects then current Support Services terms and conditions. If you

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(PID # 224877) )         Page 15 of 26

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

purchase Support Services for the Software, you must purchase Support Services
for all authorized copies of said Software in your possession. Notwithstanding
the foregoing, SAP BusinessObjects does not provide Support Services for Third
Party Products.
11. TERMINATION. Except where the Software is licensed on a subscription basis
or as otherwise specified in an Order Schedule, a Purchase Order or any written
SAP BusinessObjects price quotation duly referenced in a Purchase Order, the
Software licenses granted hereunder shall be perpetual. If the Software are
licensed on a subscription basis and unless the term of the subscription is
renewed on or prior to the expiration of the then current term of the
Subscription License, the applicable Subscription License shall terminate.
Notwithstanding the foregoing, SAP BusinessObjects may immediately terminate
this Agreement and any licenses and services provided hereunder if: (i) SAP
BusinessObjects notifies you in writing of a breach and such breach is not cured
within thirty (30) days; or (ii) you make an assignment for the benefit of
creditors or proceedings are commenced by or for you under any bankruptcy,
insolvency, or debtor's relief law. Termination shall not relieve you from your
obligation to pay fees that remain unpaid and shall not limit either party from
pursuing other available remedies. Upon termination by SAP BusinessObjects of
this Agreement or any part thereof, SAP BusinessObjects shall have no obligation
to refund to you any fees paid by you, and you agree to waive, in perpetuity and
unconditionally, any and all claims for refunds. If a Software license is
revoked or expired, you must certify in writing to SAP BusinessObjects that you
have immediately un-installed and destroyed all copies of the Software within
thirty (30) days of such revocation/expiration. The following Sections survive
termination of this Agreement: 8(c), 9, 11, 13, 15, and 17.
12. AUDIT. During the term of this Agreement and for three (3) years after
termination or expiration, SAP BusinessObjects may audit, upon reasonable notice
to you and at SAP BusinessObjects’ expense, your books and records to determine
your compliance with this Agreement. In the event any such audit reveals that
you have underpaid SAP BusinessObjects by an amount greater than five percent
(5%) of the amounts due SAP BusinessObjects in the period being audited, or that
you have knowingly breached any material obligation hereunder, then, in addition
to such other remedies as SAP BusinessObjects may have, you shall pay or
reimburse to SAP BusinessObjects the cost of the audit.
13. GENERAL. Except as otherwise preempted by United States federal law, this
Agreement is governed by the laws of the State of New York, United States,
without reference to conflict of laws provisions and the United Nations 1980
Convention on Contracts for the International Sale of Goods and any amendments
thereto. If any provision of this Agreement is ruled invalid, such invalidity
shall not affect the validity of the remaining portions of this Agreement. This
Agreement constitutes the entire agreement between you and SAP BusinessObjects,
and supersedes any prior agreement, whether written or oral, relating to the
subject matter of this Agreement. This Agreement may not be modified except by
an instrument in writing duly signed by an authorized representative of each of
the parties. If you are acquiring the Software on behalf of an entity, you
represent and warrant that you have the legal capacity to bind such entity to
this Agreement. All terms of any purchase order or other ordering document
submitted by you shall be superseded by this Agreement. In the event you and SAP
BusinessObjects have executed a mutually agreed upon a separately Master
Software License Agreement (“MSLA”) and acquired the Software pursuant to such
MSLA, the terms of the MSLA may govern your use of the Software and the terms of
this Agreement shall be superseded by the MSLA. The product name for the
Software is a trademark or registered trademark of SAP BusinessObjects. Should
you have questions concerning this License Agreement, please contact your local
SAP BusinessObjects sales office or authorized reseller, or write to: SAP
BusinessObjects, Attn: Contracts Department, 3410 Hillview Ave., Palo Alto, CA
94304, USA.
14. U.S. GOVERNMENT RESTRICTED RIGHTS. The Software is a "commercial item," as
that term is defined at 48 C.F.R. 2.101 (Oct. 1995), consisting of "commercial
computer software" and "commercial computer software documentation," as such
terms are used in 48 C.F.R. 12.212 (Sept. 1995). Consistent with 48 C.F.R.
12.212 and 48 C.F.R. 227.7202-1 through 227.7202-4 (June 1995) (or an equivalent
provision, e.g., in supplements of various U.S. government agencies, as
applicable), all U.S. Government users acquire the Software with only those
rights set forth herein. Manufacturer is SAP BusinessObjects, 3410 Hillview
Ave., Palo Alto, CA 94304, USA.
15. EXPORT CONTROLS. The use of this Software is subject to the U.S. Export
Administration Regulations. You agree to the following: (a) you are not a
citizen, national or resident of, and am not under the control of, the
government of Cuba, Iran, North Korea, Syria, Sudan nor any other country to
which the United States has prohibited export; (b) you will not export or
re-export the Software, directly or indirectly, neither to the above mentioned
countries nor to citizens, nationals or residents of those countries; (c) you
are not listed on the United States Department of Treasury lists of Specially
Designated Nationals, Specially Designated Terrorists, and Specially Designated
Narcotic Traffickers, nor are you listed on the United States Department of
Commerce Table of Denial Orders; (d) you will not export or re-export the
Software, directly, or indirectly, to persons on the above mentioned lists; and
(e) you will not use the Software for, and will not allow the Software to be
used for, any purposes prohibited by United States law, including, without
limitation, for the development, design, manufacture or production of nuclear,
chemical or biological weapons of mass destruction. For more information, see
www.sap.com/company/export.
16. ORDER TERMS. Purchase orders conforming to SAP BusinessObjects purchase
order requirements may be accepted from qualified companies. All pre-printed
terms of any purchase order not approved in writing by SAP BusinessObjects shall
have no effect. Payment terms are net-30 days from date of invoice. FOB SAP
BusinessObjects facility. SAP BusinessObjects specifically disclaims price
guarantees of any kind. You are responsible for payment of all applicable sales,
use, consumption,

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(PID # 224877) )         Page 16 of 26

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

VAT, GST, and other taxes and all applicable export and import fees, custom
duties and similar charges, excluding taxes based on SAP BusinessObjects net
income.
17. COUNTRY UNIQUE TERMS. If you purchased the Software in any territory other
than the U.S.A. then certain other specific provisions as well as exceptions to
the above terms and conditions will apply (collectively, “Local Provisions”). To
the extent any Local Provisions required by SAP conflict with any other term or
condition in this agreement, the Local Provision will supersede such other term
or condition with respect to any licenses purchased in the non-U.S.A. territory.
Please indicate below whether you accept, or do not accept, the terms and
conditions of this software license agreement.

--------------------------------------------------------------------------------

Proprietary and Confidential Information – Fidelity Information Services, LLC

--------------------------------------------------------------------------------

(PID # 224877) )         Page 17 of 26

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

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EXHIBIT B
*****

1.
INTRODUCTION

1.1
Service Levels for VBO Services.

1.1.1
The following table sets forth certain quantitative Service Levels against which
FIS’s performance of VBO Services shall be measured.

No.
Service
Type
Description
Measurement
Window
Reporting
Frequency
Service
Level
1
Customer Contact Center
*****
Monthly
Monthly
*****
2
Customer Contact Center
Abandonment rate
Monthly
Monthly
*****
3
Customer Contact Center
Emails will be responded to within ***** by an FIS agent.
Monthly
Monthly
*****
4
Back Office
Monetary service requests that do not require research will be completed within
*****
Monthly
Monthly
*****
5
Back Office
Monetary service requests that require research will be completed within *****
Monthly
Monthly
*****
6
Back Office
Non-monetary service requests within *****
Monthly
Monthly
*****

1.1.2
FIS shall provide monthly SLA reporting that includes self-reporting of missed
SLA’s.

1.1.3
SLAs for VBO Services will be applicable ninety (90) days after Commencement
Date.

1.2
The remaining sections of this Exhibit B sets forth the quantitative Service
Levels against which FIS’s performance of the ASP Services for the ASP Hosted
Applications shall be measured.

2
DEFINITIONS.

All terms not otherwise defined herein shall have the meaning set forth in the
Agreement.
(a)
“Availability” of particular equipment, software, services, network, or data is
the extent to which such equipment, software, services, network, or data are
actually Available for Use by Client (or if applicable, Client’s end Users)
excluding Scheduled Downtime.

18

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

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(b)
"Available for Use" shall mean the ability of equipment, software, services, and
data to be accessed and utilized by Client (or if applicable, Client’s End
Users) in accordance with normal operations.

(c)
"Downtime" shall mean the time during a calendar month that specified equipment,
software, services, network or data is not available for use. “Downtime” means,
collectively, Emergency Scheduled Downtime and Scheduled Downtime. “Emergency
Scheduled Downtime” means Downtime that is not part of Scheduled Downtime and
typically needed in order to respond to an unexpected event.

(d)
“Incident” shall mean a single occurrence of an unplanned issue, problem or
interruption that materially affects the Services being Available for Use during
Scheduled Uptime.

(e)
“Outage” means a single consecutive period of time when a particular Service or
item is not available for Use during Scheduled Uptime.

(f)
“Scheduled Downtime” shall mean the Scheduled Maintenance Window or other period
of time during which FIS may take a platform down for scheduled maintenance of
equipment or software.

(g)
“Scheduled Maintenance Window” – Unless otherwise stated in an Appendix/SOW for
the applicable Service, or otherwise expressly agreed or stated by FIS in
Documentation or specifications provided to Client, the Scheduled Maintenance
Window for each platform shall be between *****

(h)
"Severity Level" shall mean, with respect to an Incident or FIS Service, the
highest-priority level that is applicable.

(i)
“Grace Period” means a period of time commencing on the day on which an In-Scope
Critical Business Application is migrated to FIS’s Facilities or is first put in
live production, and continuing for a ***** thereafter, or such other period as
may be mutually agreed in a Statement of Work.

(j)
“In-Scope Critical Business Application” means those Client applications which
are covered by the Service Levels as mutually agreed by the parties prior to the
Commencement Date.

3
SERVICE LEVEL PROVISIONS.

3.1
Commencement of Obligations

FIS’s obligation to measure, report upon, and meet each Service Level shall
commence on the Commencement Date of the applicable Service.

19

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

3.2
Measurement and Reporting

FIS shall measure and report upon each Service Level on a monthly basis.

3.2.1
Excused Performance

3.2.1.1
FIS will not be obligated or liable for a Service Level default that is
attributable to any of the events listed below in this Section (each an “Excused
Event”), although FIS will use commercially reasonable efforts to resume the
Services after any Excused Event. FIS shall document the Excused Event and
provide sufficient supporting information for Client to review and validate
FIS’s determination. To the extent any non-availability or Incident would
otherwise constitute a Service Level default but is attributable to
circumstances that constitute an Excused Event, then notwithstanding anything to
the contrary in this or any other Schedule to the Agreement or elsewhere, FIS
shall be excused from any obligations to meet the corresponding Service Level
associated with such Service Level default.

3.2.1.2
Equipment and Software owned or licensed by Client and managed by FIS, for which
Client has elected not to pay maintenance; or Client pays maintenance and the
vendor is unwilling or unable to support the Equipment or Software; in each case
to the extent the lack of maintenance caused or contributes to the Service Level
Event;

3.2.1.3
Approved Downtime;

3.2.1.4
Incidents or facilities Incidents at Client facilities (e.g., power outages,
HVAC failures, force majeure, etc.) that are not caused by FIS;

3.2.1.5
Incidents occurring during a Grace Period to be mutually agreed upon and defined
during deployment and launch planning (e.g. ramp-up) for that Application;

3.2.1.6
During a Force Majeure event affecting Applications, equipment, or Services that
are covered by the Recovery Services until the FIS Managed BCP / DR recovery
time objective has elapsed;

3.2.1.7
Failure of any switched or dedicated telecommunications circuit to the extent
that such failure is not a result of FIS’s failure to discharge its management
responsibilities with respect to such telecommunications vendor (but not
excusing FIS for failures of telecommunications equipment for which FIS has
operational responsibility);

3.2.1.8
Outage resulting directly from a refusal on the part of Client to authorize an
increase in capacity when reasonably recommended by FIS as necessary to maintain
Service Levels, as determined in accordance with capacity thresholds established
by the Applications team responsible for reviewing capacity reports and
establishing such thresholds;

3.2.1.9
Any other exclusion expressly agreed to by the Parties as an exclusion to
Service Levels pursuant to the Change Control Procedures;

3.2.1.10
Any failure by Client (or any third party contracting with Client) to fulfill
its responsibilities or obligations under this Agreement as determined by the
root cause analysis.

3.2.1.11
Any time FIS is waiting upon Client resources in critical path to perform
requested problem resolution actions. Client time does not get included into
total SLA calculation for closure;

3.2.1.12
Any Service Level incident outside of FIS control;

20

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

3.2.1.13
Any time spent by FIS in performing scheduled batch processing that results in
online resources being unavailable;

3.2.1.14
A delay by Client in delivery of data to FIS, pursuant to Client’s
responsibilities under this Agreement, or the delivery of incorrect data by
Client or a third party contracting with Client;

3.2.1.15
A Force Majeure event, to the extent the Service Level default could not
reasonably have been avoided by the execution of the applicable disaster
recovery plan;

3.2.1.16
Execution of applicable disaster recovery plans in support of a Client declared
disaster until such time as FIS is required to have restored Services under such
plans, as set forth in the applicable disaster recovery plans;

3.3
Downtime.

In the event the ASP System has become non-functional and requires immediate
Downtime to restart and resume operations, FIS shall make commercially
reasonable efforts to contact Client and obtain approval of Downtime, but if
Client is unavailable, FIS shall not be liable for failure to obtain such
approval, where FIS acts in its reasonable discretion to correct the problem and
resume operations.

21

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

SERVICE LEVEL METRICS
No.
Service Level Description
Metric/
Measurement
Calculation Definition
Measurement Window
Reporting Window
Minimum Service Level
Expected Service Level
 
1
Non-Critical Business Process Events
The percentage of non-critical business events that attain the expected service
level defined at the individual non-critical business event level
Expected performance standard achieved % = Achieved non-critical production
events / total count of possible non-critical production events
Monthly
Monthly
*****
*****
 
2
Critical Business Process Events
The percentage of critical business events that attain the expected service
level defined at the individual critical business event level
Expected performance standard achieved % = achieved critical production events /
total count of possible critical production events
Monthly
Monthly
*****events ***** or greater

*****events ***** or greater

*****events ***** or less
*****events *****or greater
*****events *****or greater

*****events ***** or less
 
3
ASP Hosted Applications Availability
Ability to access ASP Hosted Applications
Number of minutes that Client users or Client system integration points are able
to access and use the Software/total number of minutes in the period less
scheduled down time

*****
Monthly
Monthly
*****
*****
 
4
ASP Hosted Applications System Response Time
<= x.x second for the average of all transactions in the given period as
measured at endpoint of FIS managed router
Aggregate ASP Hosted Applications system response time in a given period/number
of transactions
Monthly
Monthly
=x.x second average response time (to be defined during Implementation)
<=x.x second average response time (to be defined during Implementation). This
response is not to exceed industry standard of 0-4 seconds.
 

22

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

No.
Service Level Description
Metric/
Measurement
Calculation Definition
Measurement Window
Reporting Window
Minimum Service Level
Expected Service Level
 
5
Severity Level Incident Response
For each of the Severity Levels, the percentage of incidents responded to within
the target as set forth below.
((Total number of times the incident response time for the respective Severity
Level incidents is within the target during the month / total number of
incidents for Severity Levels responded to within the month) x 100).

If a single Severity Level incident extends beyond twice the target response
time, this will trigger a Service Level default.
Monthly
Monthly
*****
*****
 
6
Severity Level Incident Resolution
For each Severity Level incident, the percentage of incidents resolved within
the target as stated below
((Total number of times the incident resolution time for Severity Level
incidents is within the target during the month / total number of incidents for
Severity Level scheduled for resolution within the month) x 100).

If a single Severity Level incident extends beyond twice the target resolution
time, this will trigger a Service Level default.
Monthly
Monthly
*****
*****
 
7
Maximum Severity 1 Incidents
Limits the number of Severity 1 incidents.
Number of Severity 1 incidents must be less than Target. Target is: 1
Monthly
Monthly
*****
*****
 
8
% problems Root Cause Analyses completed for Incidents
The percentage of root cause analyses completed within Target. Root cause time
is the time from the closure of the Incident until the root-cause analysis is
completed and scheduled for presentation to Client.
((Total number of root cause analyses completed for Incidents within the Target
for Severity 1 and Severity 2 Incidents during the month / total number of root
cause analyses scheduled for presentation within the month) x 100)

*****
Monthly
Monthly
*****
*****
 

23

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

No.
Service Level Description
Metric/
Measurement
Calculation Definition
Measurement Window
Reporting Window
Minimum Service Level
Expected Service Level
 
9
Recovery Time Objective (RTO) for Disaster Recovery Services
After a Disaster is declared, the time required to recover infrastructure, the
last backup of the ASP Hosted Applications, and the data as defined by the RPO.
Total of number of hours from a Disaster declaration to when production access
to the ASP Hosted Applications is restored
Annual DR Test or Disaster declaration
Annual DR Test or Disaster declaration
*****
*****
 
10
Recovery Point Objective (RPO) for Disaster Recovery Services
From the time a Disaster is declared, the amount of transactional data that must
be recreated by Client. FIS shall recover to its Recovery Point Objective such
that Client shall not need to recreate more than the RPO hours of data.
Total number of hours for which the Client must recreate data from the point a
Disaster is declared
Annual DR Test or Disaster declaration
Annual DR Test or Disaster declaration
*****
*****
 
 
 
Incident Rating
Response Time
Resolution Time
Update Frequency
Impact
Examples
Action
 
 
Severity 1
*****
*****
*****
Affects all Client or major systems or high business criticality or affects
>*****or prevents automated processes required to originate loans from running
Examples include but are not limited to: A Production outage affecting a 7x24
hour system; critical batch operation production outage; recurring incidents or
outages; loss of network or telephony lines (no redundancy); significant
security issues
Immediate and continuous corrective activities. Including bridge line opened for
telephone response to reporting organization and to the reporting individual
where possible or call placed based on documented escalation procedures within
*****of reported problem and status updates at least every one hour thereafter.
Status updates occur until the issue is bypassed, recovered, or parked (meaning
an agreed upon “stand down” on any resolution action).
 
 
Severity 2
*****
*****
*****
Production systems (internal or external), affecting *****with a high impact to
the company
Examples include but are not limited to: A production outage, performance
degradation or instability.  Large numbers of employees/customers impacted;
special 1 time processing jobs & interfaces or events with high importance;
chronic incidents; loss of network or telephony lines (redundancy is available)
Immediate and continuous corrective activities. phone response to reporting
organization and to the reporting individual where possible or call placed based
on documented escalation procedures within *****of reported problem and status
updates at least every two hours thereafter. Status updates occur until the
issue is either bypassed, recovered, or parked (meaning an agreed upon “stand
down” on any resolution action).

24

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

No.
Service Level Description
Metric/
Measurement
Calculation Definition
Measurement Window
Reporting Window
Minimum Service Level
Expected Service Level
 
 
 
Severity 4
*****
*****
 
Routine issues
Examples include but are not limited to: User having difficulty, but basically
operational. User might have to use a work around to carry out their necessary
tasks or misspellings in a field
Incidents impacting or raised by Client will be reviewed with Client in weekly
incident review meetings. Incidents not directly impacting Client will be
tracked, prioritized and actioned by FIS. Incidents requiring changes to the
Client platform will be communicated to Client per the Change Control Process.
 
 
Severity 6

*****
*****
 
Low impact, user training issues
Examples include but are not limited to: Individual experiencing average
operational impact from problem and does not have above average or extenuating
circumstances; „how to“ questions
Incidents impacting or raised by Client will be reviewed with Client in weekly
incident review meetings. Incidents not directly impacting Client will be
tracked, prioritized and actioned by FIS. Incidents requiring changes to the
Client platform will be communicated to Client per the Change Control Process.

With respect to each Severity Level 1 or 2 Incident, FIS shall:, (i) , as soon
as commercially practicable but not later than *****after such Incident is
resolved perform a root-cause analysis to identify the cause, and provide Client
with a preliminary report identifying the cause, (ii) provide CLIENT with a
final report no later *****after such Incident is resolved, (iii) if such
root-cause is due to Client in any manner, Client shall provide FIS with a
corrective action plan designed to prevent such cause from recurring.     

25

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

EXHIBIT C

CHARGES

Client shall pay the monthly per account fees described in this Exhibit for the
Services under this Schedule, in addition to any fees for other Services under
the Agreement, in accordance with the payment terms in the Agreement, beginning
on the Commencement Date.

1.
MONTHLY FEES. Upon the Commencement Date and through the Term of the Agreement,
Client shall pay to FIS a monthly per account fee in U.S. Dollars (“Monthly Per
Account Fee”) for the Services according to the tiers of volume ranges as set
forth below.

Account Volume Range
Monthly Per Account Fee
*****
*****
*****
*****
*****
*****
*****
*****

2.
ACCOUNT VOLUME MINIMUMS.

Months 1-24:     *****minimums. Billed as actuals.
Months 25-60:    Monthly account volume minimum of *****accounts.
Months 61-84:    Monthly account volume minimum of *****accounts
Client’s anticipated customer account volumes will be provided to FIS by Client
by the Effective Date and ongoing as mutually agreed.

3.
MONTHLY PER ACCOUNT FEE ASSUMPTIONS AND REQUIREMENTS.

3.1.
Accounts will be counted as of month-end for all accounts present on the
Automotive Finance (AF) active account master file for accounts in all statuses.

3.2.
Purging accounts will occur on the first processing day of the month.

3.3.
Monthly call volume will be ***** of the open account base, and each call will
last no longer than five (5) minutes.

3.4.
Monthly chat volume will be ***** of the open account base.

3.5.
Month email volume be ***** of the open account base.

3.6.
Should the call, chat, and email volume be above the thresholds stated above,
then FIS and Client will negotiate in good faith an increase in the Monthly
Fees..

4.
TAXES AND THIRD PARTY CHARGES.

Pioneer Financial Services, Inc.
 
26

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

4.1.
All fees and charges are exclusive of taxes which are Client’s responsibility in
accordance with Section 5.6 of the Agreement, and any other fees or charges for
products or services not specified as part of the VBO and ASP Services to be
provided by FIS in this Schedule. If Client requests FIS to add additional
products or services, such requests will be subject to the Change Control
Process. Such additional items would include, without limitation, vendor third
party charges such as hardware purchase or software license and maintenance
fees, development charges, hardware and software installation fees, and
terminals costs. If Client requests and the parties mutually agree in an
applicable Statement of Work or addendum to this Schedule, FIS will manage and
coordinate such activities with a vendor or other third party, but Client bears
full responsibility and expense for contracting with vendor or other third party
for these services.

4.2.
The ASP Services are based on processing of the ASP Hosted Applications only,
and do not include processing of any additional or third-party products or for
any interface extracts for other applications.

5.
FEES ASSOCIATED WITH CLIENT SOFTWARE OR CLIENT PROVIDED THIRD PARTY SOFTWARE.

As of Effective Date and for the Term of Agreement, FIS is not hosting in the
FIS Technology Center any Client Provided Software or Client Provided Third
Party Software. Should Client desire FIS to host such software, the parties may
enter into one or more Statements of Work or addenda under this Schedule for
such additional Services.
  
6.
NETWORK CHARGES.

As of the Effective Date, Client has and thereafter continues to have
responsibility for all Network circuits, connectivity, management and applicable
fees for telephony and connectivity relating to the VBO and ASP Services. Should
Client require FIS to provide Network, FIS will provide a quote of actual costs
plus a ***** management fee. The parties may enter into one or more Statements
of Work or addenda under this Schedule for such additional Services relating to
Network.

7.
PASS-THROUGH EXPENSES.

Client shall pay FIS for all pass-through expenses, if and as applicable in
connection with the Services under this Schedule and its Exhibits. For the
avoidance of doubt, postage and telephony costs are pass-through expense.

8.
CUSTOMIZATIONS AND UPGRADES.

8.1.
Client shall bear the cost of developing, testing and reapplying all
Modifications that contain customizations for Client, including without
limitation (i) all custom code not incorporated into the ASP Hosted Applications
as part of the standard enhancements provided by FIS to all its clients in the
ASP, (ii) interfaces and (iii) FIS work, in connection with the installation of
Upgrades.

8.2.
Client shall pay for (i) installation of any upgrades to non-ASP Hosted
Applications, (ii) changes to FIS software licensed by Client pursuant to a
separate software license agreement (if applicable), and (iii) installation of
upgrades or modifications to any Client Software or any other applications
supported by Client (or a third party on behalf of Client). Client is
additionally responsible for the costs and expenses for the testing of, and any
associated modifications to, any other applications (other than the ASP Hosted
Applications) as a result of any upgrades.

9.
PRICE ADJUSTMENT.

All monthly per account fees and other fees payable hereunder may be increased
annually according to terms stated in Section 5.5 of the Agreement.

Pioneer Financial Services, Inc.
 
27

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

Pioneer Financial Services, Inc.
 
28

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****

AMENDMENT TO MASTER SERVICES AGREEMENT
This amendment (“Amendment”) is made effective October 1, 2014 (“Amendment
Effective Date”) to the Master Services Agreement dated June 30, by and between
PIONEER FINANCIAL SERVICES, INC., a Missouri corporation with its principal
place of business located at 4700 Belleview, Suite 300, Kansas City, MO 64112
(“Client”) and FIDELITY INFORMATION SERVICES, LLC, an Arkansas limited liability
company located at 601 Riverside Avenue, Jacksonville, FL 32204 (together with
its Affiliates, “FIS”). The parties wishing to amend the Agreement as stated
herein, for and in consideration of the mutual promises and covenants stated
below, agree as follows:
1. Amendment. The following shall be added as new Exhibit D – Network Services
to Schedule C – Virtual Back-Office (VBO) with AutoSuite Services (“Schedule C”)
to the Master Services Agreement between Client and FIS, effective as of the
Amendment Effective Date stated above. Therefore, the complete listing of the
exhibits incorporated under Schedule C to the Agreement shall be:
•
Exhibit A – ASP Hosted Applications

•
Exhibit B – Service Levels for VBO AND ASP Hosted Applications

•
Exhibit C – Charges

•
Exhibit D – Network Services

3. Continuance of Agreement. All capitalized words not defined herein shall have
the same meaning as in the Agreement. This Amendment, when taken together with
the Agreement, constitutes the entire agreement of the parties concerning the
scope and subject matter hereof, superseding any other or prior agreements,
communications, representations or understandings, oral written, regarding this
scope and subject matter. In the event of any inconsistency between this
Amendment and the Agreement, the provisions of this Amendment shall prevail.
Except as herein expressly amended, the Agreement is ratified, confirmed and
remains unchanged in all respects and shall remain in full force and effect in
accordance with its respective terms.
4. Counterparts. This Amendment may be executed in counterparts, each of which
shall be an original, but such counterparts together shall constitute but one
document. A facsimile or other reproduction of this Amendment may be executed by
one or both parties hereto, and an executed copy of this Amendment may be
delivered by one or both parties hereto by facsimile or similar electronic
method pursuant to which the signature of or on behalf of such party can be
seen, and such execution and delivery shall be considered valid, binding, and
effective for all purposes. At the request of either party, both parties agree
to execute an original of this Amendment as well as any facsimile or other
reproduction.
IN WITNESS WHEREOF, this Agreement has been executed by the undersigned
representatives of the parties, thereunto duly authorized, as of the Amendment
Effective Date first set forth above.
FIDELITY INFORMATION SERVICES, LLC
 
PIONEER FINANCIAL SERVICES, INC.
By:
 
 
By:
 
Name:
 
 
Name:
 
Its (Title):
 
 
Its (Title):
 
Date signed:
 
 
Date signed:
 

--------------------------------------------------------------------------------

FIS-Pioneer Financial Services // Confidential & Proprietary
Amendment to add Network Services – Ex.D to Sched.C
(EMS41064/PLID260700)    Page 1 of 5

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

EXHIBIT D
NETWORK SERVICES

1.    Introduction. FIS shall provide to Client the planning and installation,
monitoring and management, circuit, and hardware hosting for the network
services as indicated in the Pricing Attachment and described below (each, a
“Network Service” and, collectively, the “Network Services”) pursuant to this
Exhibit D for Network Services (“Exhibit”) to Schedule C to the Agreement. In
addition to the general terms and conditions set forth in Schedule C and the
Agreement, the following provisions, terms and conditions shall apply with
respect to the Network Services.
2.    Network Services.
2.1    The Network Services are provided by FIS to Client to maintain
connectivity between the FIS Service Delivery Locations and Client locations for
the purpose of FIS providing and Client receiving the Services under Schedule C.
“FIS Network” shall mean any telecommunication circuits between the FIS Service
Delivery Locations and the Client’s primary and (if applicable) alternate data
centers.
2.2    Client shall provide suitable infrastructure and physical facilities for
its locations to receive or operate the equipment or communications messaging,
including without limitation adequate primary and back-up power, a wiring
backplane at the demarc, underground wiring, trenching, physical infrastructure,
or any other typical infrastructure required to connect services between FIS and
Client, unless FIS is retained to do so.
2.3    Client shall complete assigned tasks in a timely fashion, respond to FIS
during the course of the implementation and delivery of the Network Service, and
comply with any reasonable request(s) made by FIS, in addition to making the
necessary members of Client’s staff available to work with FIS’s personnel at
the times and locations reasonably requested, and to perform reasonably
necessary functions or tasks, as requested by FIS.
2.4    FIS and Client will without delay mutually agree upon an appropriate
installation schedule.
2.5    In response to regulatory or audit inquiry and upon request of Client,
FIS will provide reasonable, mutually agreed special reporting on an as-needed
basis on a time and materials basis at FIS’s then-current rates.
2.6    Client shall (i) provide physical security for devices provided by FIS
and located on Client’s premises; (ii) provide an accurate and complete
description of the symptoms of any problem it reports; and (iii) perform
corrective measures under the direction of an FIS designated representative.
3.    Network Services. The following terms shall apply.
3.1    Manage Network Connectivity. The following subsections apply to this
service:
3.1.1    FIS shall provide wide area network (“WAN”) management and/or local
access network (“LAN”) connectivity for and between all Client and FIS devices
being managed by FIS as outlined in the pricing documentation. Standard
management services include monitoring, failure detection, failure remediation,
performance and router configuration. If FIS detects a connectivity problem or
device failure, FIS will notify network carriers, Client and/or other providers,
as appropriate, and perform other commercially reasonable steps required to
return to normal status. FIS shall manage and maintain configuration parameters
for FIS managed network devices and implement commercially reasonable security
measures using commercially reasonable means to protect Client and FIS networks
from unauthorized access to devices and/or the network. If Client’s auditor
testing finds a vulnerability in FIS managed devices, FIS shall repair or
replace such device to meet Client’s reasonable audit requirements.

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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Amendment to add Network Services – Ex.D to Sched.C
(EMS41064/PLID260700)    Page 2 of 5

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

3.1.2    FIS shall have no responsibility for: (i) damage to equipment or costs
to recover connectivity caused by improper use; (ii) damage to equipment due to
accident, neglect, misuse, fire, humidity, rising water, insect infestations,
electrical power surges or faults, damage or operational failure resulting from
accessories, uncoordinated attachments, cable removal or cable faults made or
caused by Client to network or network equipment; (iii) damage or faults caused
by failure of Client to follow proper procedures; (iv) a breach of Client’s
security; or (v) the addition of new infrastructure or connections to FIS owned
or managed equipment at the Client site not performed by FIS.
3.2    Any modifications to the Network Services and any Ancillary Equipment set
forth in the Specifications, as requested by Client shall be documented through
a Change Order or other mutually agreed work order or written amendment, and
will be billed to Client at FIS’s then-current rate for the modification
services. These services shall include without limitation the following
fees/services: (i) Network Services related to any third-party vendors for their
dispatch in response to a Client-initiated problem call; (ii) dispatch of an FIS
data communications technician or third party FIS contractor, in response to a
Client-initiated problem call in order to troubleshoot or otherwise repair or
replace data communication equipment; (iii) for the repair or replacement of any
equipment not under a manufacturer’s warranty or other form of service or
maintenance agreement covering such activities; (iv) for telephone support,
training, offsite or onsite support to Client of any kind; (v) any support or
repairs provided to any part of Client’s network not being managed by FIS; and
(vi) any repairs made by FIS for any problems caused by someone other than FIS.
3.3    The SLA for Network Services will be covered under Schedule C, Exhibit B,
Service Level Metrics No. 4, ASP Hosted Applications System Response Time. For
the avoidance of doubt, the SLA is measured from the point the incoming
transaction enters an FIS managed router to the point where the return outgoing
transaction exits the FIS managed router.
4.    Timeframes and Hours of Operation. Network management and customer service
related thereto, will be available twenty-four (24) hours per day, seven (7)
days per week; provided, however, that FIS reserves the right to suspend
availability of the Network Services for the purpose of maintenance or updating.
FIS will attempt to provide Client with at least seventy-two (72) hours’ prior
notice of FIS’s maintenance of the Network Services.
5.    Liability. FIS shall have no liability for, and Client is solely liable
for, any Losses sustained by Client, or any Customers that are related to
third-party provider or telephone company performance including, without
limitation, projected delivery and installation dates. FIS shall not be liable
for any failure of any switched or dedicated telecommunications circuit to the
extent that such failure is not a result of FIS’s failure to discharge its
management responsibilities with respect to such telecommunications vendor.
6.    Fees.
6.1    The Network Services provided pursuant to this Exhibit may include
Ancillary Equipment (as defined below) and as more particularly described in the
Pricing Attachment. For purposes of this Exhibit, “Ancillary Equipment” shall
mean any equipment, software or hardware being provided by FIS in connection
with the Network Services. No Ancillary Equipment will be ordered in advance of
contract execution and receipt of the requisite payment.
6.2    The one-time implementation fee shall be due and payable upon completion
of installation. Payment for Ancillary Equipment, when applicable, is first due
to FIS upon receipt of such Ancillary Equipment. Recurring fees for circuits
shall be prorated for the first month based on the date of circuit activation.
All fees, rates and charges are exclusive of taxes that are the Client’s
responsibility under the Agreement. Client will pay the amounts hereunder in
accordance with the payment terms and conditions of the Agreement.
6.3    Client shall be responsible for monthly recurring charges through the
applicable term, and in all events until sixty (60) days following the date the
circuit disconnect request is submitted by FIS to the circuit provider.

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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Amendment to add Network Services – Ex.D to Sched.C (EMS41064
/PLID260700)    Page 3 of 5

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

Client shall return all Ancillary Equipment, when applicable, to FIS no later
than thirty (30) days following the termination of a related Network Service or
pay FIS for the full replacement cost of such non-returned Ancillary Equipment.
6.4    All circuit orders placed less than seven (7) weeks prior to the planned
install date will be subject to an Expedite Fee. Payment of the Expedite Fee
will not guarantee the circuit will be installed in less than seven (7) weeks.
Although FIS will seek to accelerate the installation of a circuit, such
installation will be subject to the resources and availability of both FIS and
the underlying carrier(s).
6.5    During a technology upgrade, Client is responsible for the billing
overlap period of both network solutions once the new solution is activated,
which overlap period may range from sixty (60) days if Client has fewer than
fifteen (15) locations, to one hundred twenty (120) days if Client has larger
network requirements.
6.6    Client shall pay all shipping charges associated with the return of any
Ancillary Equipment. Unreturned or damaged Ancillary Equipment is subject to a
fee equivalent to twelve (12) months of fees for such Ancillary Equipment.
Client is responsible for proper packaging and shipment tracking. All Ancillary
Equipment must be returned, including, without limitation, router(s), router
module(s), modem(s), power supply(s), Cisco serial cable(s), patch cables and
any other items included in the install. If Client fails to return all such
items, Client will be charged for the unreturned items at FIS’s then-current
rate for such items. All Ancillary Equipment must be returned within sixty (60)
days of the disconnection notice. Billing shall continue until all Ancillary
Equipment is returned or a buy-out for any lost or damaged Ancillary Equipment
is completed.
6.7    Disconnect fees are charged in accordance with carrier rates for location
moves.
6.8    Client is responsible for any and all shutdown costs and liquidated
damages associated with each circuit order/location and/or Network Service
offering.

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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Amendment to add Network Services – Ex.D to Sched.C (EMS41064
/PLID260700)    Page 4 of 5

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Exhibit 10.50
REDACTED – OMITTED MATERIAL HAS BEEN SEPARATELY FILED WITH THE COMMISSION
PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED, AND
IS DENOTED HEREIN BY *****
Schedule C – Virtual Back Office (VBO) with AutoSuite Services

--------------------------------------------------------------------------------

PRICING ATTACHMENT TO EXHIBIT D

The fees and charges shown in this Pricing Attachment to Exhibit D shall be
deemed incorporated under Exhibit C – Charges to the Schedule C – VBO with
AutoSuite Services Schedule.
The following pricing is for FIS Managed Network Circuits.
The below Implementation Charge includes: Project management, engineering,
monitoring/management activation, equipment shipment, circuit/equipment
installation and cabling/labor costs to install the cabling at the FIS data
center. The monthly run rate charge is fixed as set forth below for the term
Schedule C – VBO with AutoSuite Services Schedule.

Implementation Charge - one time upon completion of installation
*****
Monthly Run Rate Charge
*****

The charges are in support of the following configuration:

Circuits
Sites
FIS MPLS to Primary Pioneer Data Center
Circuit up to 10MB/Type 1/FastE
Carrier 1
Hardware - Cisco 3945E or equivalent

FIS MPLS to Primary Pioneer Data Center
Circuit up to 10MB/Type 1/FastE
Carrier 2
Hardware - Cisco 3945E or equivalent

FIS MPLS to Alternate Data Center
Circuit up to 10MB/Type 1/FastE
Carrier 1
Hardware - Cisco 3945E or equivalent

FIS Primary Data Center
Hardware Fiber and Cat6 Cables
Primary Pioneer Data Center
CoSentry
14500 W. 105th St,
Lenexa, KS 66219
Demarc: First floor telecom room

Alternate Pioneer Data Center
XO Communications 1200 Washington Ave. N Minneapolis, MN 55401
Demarc: First floor telecom room

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Proprietary and Confidential Information – Fidelity Information Services, LLC &
Pioneer Financial Services, Inc.

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Amendment to add Network Services – Ex.D to Sched.C
(EMS41064/PLID260700)    Page 5 of 5