Exhibit 14






                       CODE OF BUSINESS CONDUCT AND ETHICS


                             JOHN H. HARLAND COMPANY

















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                       CODE OF BUSINESS CONDUCT AND ETHICS

                                TABLE OF CONTENTS



A MESSAGE FROM THE CHAIRMAN   . . . . . . . . . . . . . . . . . . . . . . . . 3

BASIC PRINCIPLES   . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  4

EMPLOYEE RESPONSIBILITIES . . . . . . . . . . . . . . . . . . . . . . . . . . 5

POLICIES AND GUIDELINES  . . . . . . . . . . . . . . . . . . . . . . . . . .  6

         Confidentiality  .  . . . . . . . . . . . . . . . . . . . . . . . .  7

         Use of Company Assets  . . . . . . . . . . . . . . . . . . . . . . . 8

         Conflicts of Interest . . . . . . . . . . . . . . . . . . . . . . . .9

         Employee Workplace Expectations  . . . . . . . . . . . . . . . . . .11

         Financial Reporting . . . . . . . . . . . . . . . . . . . . . . . . 13

         Governmental and Legal Compliance  . . . . . . . . . . . . . . . . .14

         Insider Trading  . . . . . . . . . . . . . . . . . . . . . . . . .  15

         Record Retention . . . . . . . . . . . . . . . . . . . . . . . . .  18

         Antitrust Compliance  . . . . . . . . . . . . . . . . . . . . . . . 19

RESOLVING BUSINESS CONDUCT ISSUES    . . . . . . . . . . . . . . . . . . . . 22

COMPLIANCE AND ADMINISTRATION    . . . . . . . . . . . . . . . . . . . . . . 23

Certification of Compliance . . . . . . . . . . . . . . . . . . . . . . . .  24

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                           A MESSAGE FROM THE CHAIRMAN



To Harland Employees:


         One of Harland's most valuable assets is our reputation for integrity
and fairness. Our commitment to integrity and fairness is a shared
responsibility. Therefore, each of us must understand and accept our personal
responsibility to protect and enhance this reputation.

         The Harland Code of Business Conduct and Ethics summarizes the basic
principles under which we conduct business, sets forth the responsibilities of
Harland employees, outlines the policies and guidelines directing our conduct,
introduces a business conduct issue resolution process and mandates a compliance
program. It requires us to conduct our business consistent with our values and
in accordance with applicable laws, and requires that we exercise the highest
degree of honesty and integrity in our dealings with others.

         We each are responsible for our shared reputation. It takes the
inappropriate action of only one of us to tarnish the reputation of the entire
organization. As such, each employee, officer and director of Harland is
responsible for his or her own behavior while performing his or her duties. You
are responsible for conducting yourself in a manner that reflects positively on
Harland.

         The Code of Business Conduct and Ethics is designed to help employees
make ethically sound business decisions. However, no set of policies and
guidelines can anticipate every ethical decision we may face in business. To
this end, we have outlined an Issue Resolution Process. So, if you are in doubt
about any issue that may have ethical implications, before you act you should
seek guidance through the channels and procedures that we have established to
help answer your questions.

         Finally, we ask that each employee, officer and director read,
understand, and comply with this Code of Business Conduct and Ethics. We also
require certification that each salaried employee has not breached the polices
and is not aware of any breach of the policies by any employee that has not been
disclosed. Each year we will ask every salaried employee to read the policies
again and re-certify. I ask that you give this process your attention and your
thoughtful and timely response.

         Harland's reputation is dependent upon the integrity of your actions. I
am confident that you and your colleagues will take pride in enhancing our
shared reputation through your actions.




Timothy C. Tuff
Chairman, President and Chief Executive Officer

October, 2002

                                       3

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                       CODE OF BUSINESS CONDUCT AND ETHICS


                                BASIC PRINCIPLES


         Harland is committed to promoting integrity and fairness and
maintaining the highest standard of ethical conduct in all of our activities.
Our commitment flows from our responsibilities to our shareholders, our
employees, our customers and our suppliers, and the communities where we live
and work:

-To our shareholders: We will protect and use Harland assets wisely, we will act
in the best interests of the Company and avoid even the appearance of a conflict
of interest.

-To our employees: We will create and maintain a positive work environment by
treating each employee with respect.

-To our customers and suppliers: We will build relationships with customers and
suppliers by dealing fairly and honestly.

-To the communities where we live and work: We will act as a good corporate
citizen and obey the laws and respect the customs in each community in which we
live and conduct business.

         A basic principle underlying these commitments is that no employee,
officer or director of Harland is permitted in fulfilling his or her job duties
to take unfair advantage of any other person through manipulation, concealment,
abuse of privileged information, misrepresentation of material facts, or any
other unfair-dealing practice.



                                       4

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                       CODE OF BUSINESS CONDUCT AND ETHICS


                            EMPLOYEE RESPONSIBILITIES


         At Harland, integrity is the personal responsibility of each employee.
Employees who do business in the name of the Company must comply with the
following expectations:

      -  Follow appropriate ethical practices and behavior relating to their
         position;

      -  Comply with applicable laws;

      -  Act fairly, impartially and in the best interests of the Company;

      -  Read, understand and act in accordance with the Code of Business
         Conduct and Ethics and comply with all Company policies and guidelines;

      -  Complete the compliance questionnaire and compliance certification and
         report violations of the Code of Business Conduct and Ethics as
         required under the Compliance Program; and

      -  Seek guidance in resolving ethical issues by following the Code of
         Business Conduct and Ethics issue resolution process.

                                       5

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                       CODE OF BUSINESS CONDUCT AND ETHICS


                             POLICIES AND GUIDELINES


         The following policies and guidelines are designed to help employees
make ethically sound business decisions. No set of guidelines can cover all
situations Harland employees may face. When in doubt, employees should use the
Issue Resolution Process outlined in the section entitled "Resolving Business
Conduct Issues" that follows. The policies and guidelines cover the following
topics: (1) Confidentiality, (2) Use of Company Assets, (3) Conflicts of
Interest, (4) Employee Workplace Expectations, (5) Financial Reporting, (6)
Governmental and Legal Compliance, (7) Insider Trading, (8) Record Retention and
(9) Antitrust Compliance.


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                                 CONFIDENTIALITY



         Each Harland employee has a responsibility to safeguard and protect all
confidential and proprietary information of the Company.

         No employee, officer or director may disclose Confidential and
Proprietary Information of Harland or any of its customers while employed at
Harland or after leaving the Company, unless authorized to do so by the Legal
Department. "Confidential and Proprietary Information" means all non-public
information that is entrusted to you by Harland or its customers, and all
non-public information that might be of use to competitors, or harmful to the
Company or its customers, if disclosed. This includes financial documents,
pricing information, business plans, data entrusted to Harland by a customer,
supplier or consultant, customer lists, vendor information, cost of goods,
personnel files, manuals and procedures. Information which has been made public,
such as in a press release or advertisement, is not considered confidential.
Disclosure to outside parties of Confidential and Proprietary Information should
only be made after obtaining from the Legal Department an approved
Non-Disclosure Agreement and ensuring that such agreement is executed by the
outside party.


                                       7

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                              USE OF COMPANY ASSETS


         Each Harland employee, officer and director has a responsibility to
safeguard, protect and use wisely those corporate assets and resources entrusted
to them. All employees, officers and directors should protect the Company's
assets and ensure their efficient use. Theft, carelessness and waste have a
direct impact on the Company's profitability. All Company assets must be used
for legitimate business purposes. This policy extends to all Company property
and assets under each employee's control including: (1) Funds and Property, (2)
Equipment and Resources and (3) Company Records.

1. Company Funds and Property. Appropriate prior approval must be given before
any Company funds or property can be disbursed. Every employee is responsible
for the prudent and effective use of all Company funds, including those for
travel and entertainment. Employees may not use Company property or services for
personal use. Company property may not be sold, loaned, given away or otherwise
disposed of, regardless of condition or value, without proper authorization.

2. Equipment and Resources. Use of the Company's office equipment, production
equipment, other property and resources should be restricted to Company
business. The Company reserves the right at any time to monitor and inspect
without notice all electronic communications, data and information transmitted
or received on the Company network and electronic files located on computers
owned by the Company or computers on the premises used in Company business.
Inappropriate use of e-mail, Internet or access to information through computer
networks could result in violation of the law or Company policies. Company
equipment and property should not be removed from the premises except for proper
business purposes.

3. Company Records. Employees should be aware of and comply with the Record
Retention Policy for such employees' department to ensure appropriate retention,
protection, maintenance and disposition of all records, regardless or format or
media. Company records should not be removed from the premises except for proper
business purposes.


                                       8

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                              CONFLICTS OF INTEREST


         The Company expects that all employees will use good judgment, high
ethical standards and straightforward honesty in all business dealings involving
Harland. Harland respects the rights of its directors, officers and employees to
engage in activities outside of their employment that are of a private nature.
However, a conflict of interest occurs when an individual's private interests
interfere in any way - or even appear to interfere - with the interests of the
Company. For example, conflicts can arise when an employee, officer or director
takes actions or has interests that may make it difficult to perform his or her
Company work objectively, or when an employee, officer or director or a member
of his or her family receives improper personal benefits as a result of his or
her position with the Company. The Company's policy prohibits these and other
conflicts of interest. Accordingly, all Company employees are expected to comply
with the Company's Conflicts of Interest policies and guidelines in the
following areas: (1) Protection of Company Interests, (2) Outside Employment,
(3) Pre-clearance of Transactions Involving Potential Conflict of Interest, (4)
Outside Financial Interests, (5) Corporate Opportunities, (6) Related Party
Transactions, (7) Relationships with Company Suppliers, and (8) Public Service.

1. Protection of Company Interests. The Company's relationships and transactions
with persons outside the Company must be conducted at all times on a strictly
ethical and arm's length basis. In all such relationships and transactions, the
sole consideration must be the best interests of Harland and its subsidiaries.
Decisions made in conducting such relationships and transactions must not be
influenced by self-interest on the part of an employee, or any other interest
that is actually or potentially in conflict with Harland's interests. Any
employee, officer or director that wishes to inquire about or report an apparent
or actual conflict of interest to the Company may do so by contacting the Legal
Department at 770-593-5617.

2. Outside Employment. Company employees may not engage in outside employment or
activity which would conflict with the Company's interests or which would reduce
the efficiency of the employee in performing his or her duties at the Company.
In your employment at Harland, you are expected to render your full-time best
efforts to the Company. You should not engage in outside business interests that
divert time or attention away from Harland duties and responsibilities or that
otherwise act to the detriment of the Company. If either you or your supervisor
feel it is necessary, your supervisor should provide written clearance that your
outside job or activity is acceptable within the bounds of expected job
performance and that no actual or potential conflict of interest exists. It
remains your responsibility to ensure that any outside job or business does not
conflict with the interests of Harland. You must not work for any Harland
suppliers, contractors, customers or competitors without prior full disclosure
to and written approval from the Company.

3. Pre-clearance of Transactions Involving Potential Conflict of Interest. You
must provide full disclosure and obtain written clearance from the Legal
Department before you engage in any transaction involving the Company, one of
its suppliers, or one of its customers, where you or any immediate family member
receive any benefit, directly or indirectly.

4. Outside Financial Interests. Neither you nor your immediate family members
may have a financial interest or ownership in any Company vendor, contractor,
customer, competitor, consultant or advisor without prior disclosure and written
clearance from the Legal Department. "Financial Interest" excludes ownership of
up to 1% of the outstanding voting securities in a publicly-traded Company.

5. Corporate Opportunities. Harland's employees, officers and directors are
prohibited from directly or indirectly (a) taking for themselves personally
opportunities that are discovered through the use of corporate property,
information or position; (b) using corporate property, information, or position
for personal gain; or (c) competing with the Company. Employees, officers and
directors owe a duty to the Company to advance its legitimate interests when the
opportunity to do so arises.

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         If Harland may be interested in pursuing a business or investment
opportunity that you intend to pursue, you must disclose information about the
opportunity to your supervisor before acting on it. If you are unclear about
when to disclose a potential business or investment opportunity, ask yourself
the following questions:

      -  Does this business or investment opportunity have anything to do with
         my job responsibilities?

      -  Is the size or nature of this business or investment opportunity such
         that Harland could be interested in it?

      -  If the answer to either of these questions is "yes," you must disclose
         the business or investment opportunity to your supervisor before taking
         action.

6. Related Party Transactions. Generally, the Company should not engage in
transactions with related parties. Related parties include (1) an organization
of which an officer or director of the Company is also an officer or director,
(2) an organization of which an officer or director of the Company is the
beneficial owner of 10% or more of any class of securities, (3) any trust in
which an officer or director of the Company has a substantial interest, or (4)
any relative of an officer or director of the Company who may significantly
influence or be influenced by a business transaction with an organization of
which he or she is an officer or director. Contact the Legal Department if you
believe that the Company may be engaging in a transaction with a related party.

         It is possible for the actions of family members to constitute a
conflict of interest for us as employees. For example, any gift or other benefit
offered to a family member by a supplier or potential supplier is considered a
business gift.

         You must not engage in any business transaction on behalf of Harland
with a relative by blood or marriage, or with a firm where such a relative is a
principal, officer or representative, without prior full disclosure to your
supervisor and written clearance from the Legal Department.

7. Relationships with Company Suppliers. Employees who use Company suppliers or
contractors for personal business are expected to pay market value for services
rendered and materials provided. In addition, you must disclose, in advance,
this type of personal relationship to your supervisor. Employees should not
accept from or give valuable gifts or services to suppliers or other third
parties, excluding meals and entertainment in conjunction with business
discussions and mementos of nominal value commensurate with customary business
practices. This is an area where you must use your best judgment. Excessive
gifts may result in a compromise of your ability to deal objectively with such
party or raise the inference that your judgment or such party's judgment has
been compromised.

8. Public Service. Harland employees are encouraged to serve on public
committees, leagues, councils or boards, such as school boards, city councils
and hospital boards, and to represent your organization to the best of your
abilities. There may be circumstances, however, when an issue before such an
organization also affects Harland, and you may have to refrain from voting or
taking a public position on a particular issue due to your position with
Harland.

                                       10

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                         EMPLOYEE WORKPLACE EXPECTATIONS



         Harland is committed to providing a safe, healthy and harassment-free
place of employment. Harland employees are expected to abide by the following
policies and guidelines while in the workplace: (1) Respect, (2) Safety, (3)
Equal Opportunity, (4) Harassment Free, (5) No Substance Abuse, (6) Confidential
Employment and Medical Records and (7) the Harland Employee Handbook.


1. Respect. Consistent with Harland's values, Harland is committed to promoting
a productive work environment in which employees are treated with courtesy and
respect. Harland employees will treat each other with respect and fairness at
all times. We value the diversity of our employees. Employment decisions will be
based on business reasons, such as qualifications, abilities and achievements.
Harland will comply with applicable local and national employment laws and
regulations.

2. Safety. We are all responsible for maintaining a safe workplace by following
safety and health rules and practices. Employees must comply with all laws,
regulations and Company policies relating to workplace safety and health. You
should bring to the attention of your supervisor any activity that threatens
your safety or health or that of any other person. Any injuries must be reported
promptly and accurately.

3. Equal Opportunity. Harland is an equal opportunity employer and extends equal
employment opportunity to all qualified individuals without regard to an
individual's race, color, religion, national origin or citizenship status,
gender, sexual orientation, marital status, age, veteran status, disability or
other classifications as designated by state or local laws or regulations. The
Company's commitment to equal employment opportunity extends through every
aspect of the employment relationship including: recruitment, selection,
placement, compensation, promotion, training, transfer, discipline and
termination.

4. Harassment-Free. Any actions, comments or materials directed toward or
referring to an individual's race, color, religion, national origin or
citizenship status, gender, sexual orientation, marital status, age, veteran
status, disability or other classifications as designated by law that create a
hostile work environment are strictly prohibited. Abusive, intimidating or
offensive conduct is unacceptable, whether verbal, visual or physical.
Prohibited harassment includes conduct that is intended to or that has the
effect of unreasonably interfering with a fellow employee's work performance or
creating an environment that is intimidating, hostile or offensive to the
employee. Employees who contribute to a hostile work environment will be subject
to accelerated discipline up to and including termination without prior warning.
A complete description of the Company's harassment policies and procedures is
included in Harland's Policy on Harassment in the Employee Handbook. You are
encouraged to report to your Human Resource representative or the Company's Vice
President of Human Resources if you experience or observe conduct in violation
of Harland's harassment-free policy.

5. No Substance Abuse. Harland has a drug-free workplace policy and provides
access to services for employee assistance when needed to foster a safe, healthy
and productive work environment. While at work, Harland employees must not have
in their systems any illegal drugs, or any legal drugs or alcohol that cause
impairment. Harland prohibits the possession, sale, purchase, delivery, use or
transfer of illegal substances on Company premises or at Company functions. The
drug-free workplace program provides Harland with reasonable measures to ensure
that an employee drug or alcohol problem does not jeopardize the successful
operation of our business, or otherwise negatively affect Harland, our employees
or the general public. A complete description of the Company's drug-free
workplace policy is included in the Employee Handbook.

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6. Confidential Employment and Medical Records. A record of employment-related
information is maintained in each facility and, in most cases, the Human
Resources Department. Separate files for medical records and/or workers
compensation records are also maintained. Harland protects all employees against
unauthorized use of information about them in Company records. Unless
authorized, no employee shall disclose any confidential employment and medical
records of any other employee.

7. The Harland Employee Handbook. Each employee is held accountable for knowing,
understanding, and abiding by the policies and procedures outlined in the
Harland Employee Handbook.

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                               FINANCIAL REPORTING


         Company records must be kept in such a way that an accurate, auditable
record of all financial transactions is maintained in accordance with generally
accepted accounting principles and the Company's accounting rules and controls.
The Company's Financial Reporting policies and guidelines govern the following
areas: (1) Recording Transactions, (2) Fair Presentation, (3) Conformity with
GAAP (4) Control Structure, (5) Reporting of Fraud and (6) Certification.


1. Recording Transactions. All funds, assets and transactions which affect the
Company must be promptly and accurately recorded and accurately reflect the
transactions they describe. No false or misleading entries or entries that
intentionally hide or disguise the true nature of any transaction may be made on
the Company's books or records. A false or misleading entry is one that does not
accurately describe the transaction or is not posted to the proper account, or
to any account.

2. Fair Presentation. The Company's financial statements shall present fairly,
in all material respects, the financial position of Harland and the results of
Harland's operations and cash flows for the period such financial statements
represent. Each financial reporting employee shall be responsible for the
accuracy and integrity of the financial records and other financial information
for which such employee is responsible.

3. Conformity with GAAP. All Company financial statements shall be prepared by
the Company in conformity with accounting principles generally accepted in the
United States of America and shall be consistently applied.

4. Control Structure. The Company shall maintain a control structure that
ensures the reliability and integrity of financial information and that is
adequate and effective to provide reasonable assurance that Company assets are
safeguarded and that the transactions recorded in the financial records of the
Company represent authorized transactions of the Company.

5. Reporting of Fraud. All Company employees must immediately report any fraud
committed by management or others who have a significant role in internal
financial controls to the Legal Department at 770-593-5617 or 770-593-5426.

6. Certification. It is the policy of the Company to require all financial
reporting employees to certify once each year (or more frequently if requested
by the Chief Financial Officer) his or her compliance with this financial
reporting policy. Each such financial reporting employee must also report
immediately any changed circumstance which, to his or her knowledge, would cause
the information in the Company's most recent periodic report to become, as of
the date of the report, incomplete, incorrect or misleading. For purposes hereof
"financial reporting employee" means: (i) any employee who is a divisional or
corporate financial or accounting officer, (ii) any employee who reports
directly or indirectly to any divisional or corporate financial or accounting
officer, and (iii) any employee who prepares or exercises more than minimal
influence over the contents of the Company's accounting records or financial
statements.
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                        GOVERNMENTAL AND LEGAL COMPLIANCE


         Perceived pressures from supervisors or demands due to business
conditions are not excuses for violating the law. Each employee must abide by
the Company's Governmental and Legal Compliance policies and guidelines in the
following areas: (1) Compliance with Laws and Regulations, (2) International
Business Conduct, (3) Filing Reports, (4) Political Contributions and (5)
Environmental Responsibility.


1. Compliance with Laws and Regulations. Harland employees are required to
comply with all applicable laws and regulations. If you have any questions or
concerns about the legality of an action, you are responsible to seek guidance
from the Legal Department.

2. International Business Conduct. While we must adapt to business custom and
market practices in global markets, all employees worldwide must adhere to
applicable U.S. laws and regulations, including the U.S. Foreign Corrupt
Practices Act. It is unlawful, and you are not permitted, to bribe foreign
officials to influence or keep business, or for any other reason relating to the
business of the Company.

3. Filing Reports. If you are responsible to file a report with any state, local
or federal governmental entity for or on behalf of Harland, you must take
special care to ensure that the information you provide is true, accurate and
complete in all material respects as of the date of such report.

4. Political Contributions. No Harland employee may, without prior approval,
make any political contribution for Harland or use Harland's name, funds,
property, equipment or services for the support of political parties,
initiatives, committees or candidates.

5. Environmental Responsibility. Harland and Harland employees must comply with
all federal, state and local environmental laws, regulations and policies. Those
employees responsible for or engaged in activities or operations that might
affect the environment must be familiar with the environmental laws, regulations
and policies relating to these activities. Our environmental responsibilities
include the following: properly storing, handling and disposing of hazardous or
other waste; managing wastewater and stormwater in compliance with regulations;
monitoring and maintaining the integrity of any underground storage tanks; and
protecting against and appropriately responding to spills and releases of
hazardous substances. The consequences of failure to adhere to this policy can
be serious for Harland, the employees involved, Harland's suppliers and
customers, and for the communities in which Harland operates. Therefore, Harland
takes violations of environmental laws very seriously, and insists that its
employees make every effort to prevent violations from occurring and to promptly
correct any that do occur. Violations of environmental laws can result in civil
and criminal liabilities for Harland and for its employees. No employee should
assume that it is acceptable to exceed pollution standards just because no
enforcement action has been taken in the past. Each employee must notify a
supervisor if at any time he or she witnesses a violation or potential violation
of any environmental law or regulation. Every employee must also be aware that
making a false report to a government agency is a felony under federal and state
law. It can result in termination of employment and prosecution by the
government.



                                       14


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                                 INSIDER TRADING


         The following policies and guidelines apply with respect to insider
trading: (1) General Rules, (2) Special Blackout Periods, (3) Individual
Application, (4) Other Companies, (5) Applicable Information, (6) Short Sales,
(7) Pledged Stock, (8) Tipping, (9) Discussing or Recommending Harland Stock,
(10) Regulation FD (Fair Disclosure), (11) Permitted Transactions, and (12)
Pre-Disclosure of Undisclosed Material, Nonpublic Information.


1. General Rules. You must not disclose material non-public information to
anyone outside the Company unless you have been properly authorized to do so in
advance. You must not trade in Company securities when you possess material
non-public information, and you must wait two trading days until after the
information becomes public through a press release by the Company to do so. You
must refrain from using material non-public information in any business
transaction in a way that disadvantages the Company or gives you an unfair
personal advantage over others who do not have the information. If you report to
a vice president or higher ranking officer of the Company, you may only buy or
sell Company securities during "open window periods." Open window periods begin
on the second business day after the Company's quarterly earnings are released,
and close on the fifteenth day of that month . Even when a trading window is
open, you may not trade in Harland securities if you possess material, nonpublic
information about Harland.

2. Special Blackout Periods. In addition, any employee, officer or director of
Harland may be temporarily prohibited from buying or selling Harland securities
during special blackout periods. Any such period will be communicated to you by
the Legal Department using normal communication channels.

3. Individual Application. This policy applies to all employees, officers and
directors of Harland and its subsidiaries, and also applies to:

      -  members of their immediate families with whom they share a household;

      -  other persons with whom they share a household;

      -  persons who principally rely on the employee, officer or director for
         their financial support; and

      -  any person or entity over whom they have control or influence with
         respect to a transaction in securities (i.e., a trustee of a trust, an
         executor of an estate).

         When we refer to "you" in this policy, we also mean each of the people
listed above with respect to you. Because the people listed above are covered by
this policy, you will be responsible for their transactions in Harland
securities and they should not purchase or sell Harland securities without your
clearance.

4. Other Companies. You must not trade in securities of any other company about
which you learn material, nonpublic information in the course of performing your
duties for Harland, as long as the information remains nonpublic.

5. Applicable Information. Information is considered "material" if:

      -  a reasonable investor would consider it important in making a
         decision on whether to buy, sell or hold the security;

      -  a reasonable investor would view the information as significantly
         altering the total mix of information in the marketplace about the
         issuer of the security; or

      -  the information could reasonably be expected to have a substantial
         effect on the price of the security.

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         Nonpublic. Information is nonpublic until it has been "publicly
disclosed," meaning that it is published in such a way as to provide broad,
non-exclusionary distribution of the information to the public for a sufficient
period of time to be reflected in the price of the related securities.

         Examples. Examples of material, nonpublic information might include
information about upcoming earnings or losses, negotiation of a joint venture,
merger or acquisition, news of a significant customer contract, significant sale
of assets, changes in dividend policies, the declaration of a stock split, the
offering of additional securities, changes in top management, significant
accounting developments, and the gain or loss of a substantial supplier or
customer. Information may be material whether it is favorable or unfavorable to
the Company.

6. Short Sales. Our employees, officers, and directors are prohibited from
selling Harland stock short.

7. Pledged Stock. If you pledge Harland stock for a loan, as in a margin
account, and a sale of that stock is forced, there is no special exemption for
that sale from the insider trading laws or this policy. For example, a
foreclosure sale that occurs when you possess material non-public information
would violate the law and this policy. Accordingly, you may not pledge Harland
stock.

8. Tipping. No employee, officer or director may disclose material, nonpublic
information about Harland or any company with which Harland deals to anyone
outside Harland unless authorized to do so. Under the federal securities laws,
you can be held responsible not only for your own insider trading, but also for
trading performed by anyone to whom you disclose material, nonpublic
information.

9. Discussing or Recommending Harland Stock. Use extreme caution when discussing
Harland stock with anyone outside Harland or recommending the purchase, sale or
holding of Harland stock. Making recommendations of that type can easily result
in accidental disclosure of material, nonpublic information or be viewed as
"tipping."

10. Regulation FD (Fair Disclosure). No Harland employees, officers or
directors, other than senior officers and the investor relations personnel who
regularly communicate with securities market professionals and shareholders, are
authorized to communicate information about Harland with securities market
professionals or Harland shareholders.

11. Permitted Transactions. You are permitted to complete Permitted Transactions
even if the window period is closed. "Permitted Transactions" are:

      -  receipt of stock options or shares of restricted stock under a
         Harland employee stock option plan or the cancellation or
         forfeiture of options or stock pursuant to a Harland plan;

      -  election to participate in, cease participation in or purchase
         securities under a Harland employee stock purchase plan;

      -  vesting of restricted stock and any related stock withholding;

      -  exercise of stock options issued under Harland's stock option
         plans in a stock-for-stock exercise, payment of the exercise price
         in shares of stock and any related stock withholding transactions,
         but (1) not the sale of any stock acquired in the option exercise
         (other than as part of a so called cashless exercise and
         simultaneous sale), and (2) not the use of proceeds from the sale
         of any such shares to exercise additional options;

      -  transferring shares to an entity that does not involve a change in
         the beneficial ownership of the shares, for example, to a trust of
         which you are the sole beneficiary during your lifetime;

                                       16
<PAGE>

      -  bona fide gifts of stock, except where you anticipate that the
         recipient (other than a charitable organization)will sell the
         Harland securities immediately upon or shortly after their
         receipt;

       - trades pursuant to an approved 10b5-1 trading plan; or

       - any other transaction designated by the board of directors or any
         board committee or senior management, with reference to this
         policy, as a Permitted Transaction.

12. Pre-Disclosure of Undisclosed Material, Nonpublic Information. You may not
enter into any Permitted Transaction unless you have disclosed any material,
nonpublic information that you are aware of to Harland's General Counsel or his
designee. If you are a director or a member of senior management, the General
Counsel must disclose any such information to the Chief Executive Officer before
any transaction listed qualifies as a Permitted Transaction. This ensures that
Harland is fully aware of any material information before you enter into a
transaction involving Harland.




                                       17







<PAGE>



                                RECORD RETENTION


         It is the policy of Harland that, unless the General Counsel otherwise
permits, each department manager shall establish and maintain a Record Retention
Policy for documents over which they have responsibility. All department
employees shall then have the responsibility for maintaining the department's
records in compliance with the policy. The Record Retention Policy includes the
following: (1) Create Department Record Retention Policy and (2) Employee
Responsibilities.


1. Create Department Record Retention Policy. Unless the General Counsel
otherwise permits, each department manager shall create a Record Retention
Policy for his or her department. If a department is not exempt, the Legal
Department will provide initial resource material to aid in the development of
the Record Retention Policy. The department manager should seek additional
guidance from the Finance, Tax, or the Legal Department, as necessary, in
finalizing the department's Record Retention Policy. The Record Retention Policy
must (i) identify the documents created, received, and maintained by the
department by type, topic, or subject as they are maintained in the Department's
files, storage, or other retention area, (ii) establish a retention period for
each type, topic, or subject of each identified document considering the
following factors: business need, frequency of demand for the file, archival
value, and statutory, regulatory or other legal requirements, and (iii)
establish a storage and disposal method for each type of identified document.
Documents subject to the department's Record Retention Policy shall be
maintained in the manner and for the periods specified in the department's
Record Retention Policy. At the end of the retention period specified in the
Department's Record Retention Policy, documents subject to the policy shall be
disposed of in a manner specified in the Policy. Documents pertaining to a
subject of investigation or active or threatened litigation shall be retained
until the General Counsel authorizes their disposal.

2. Employee Responsibilities. The destruction or alteration of documents,
records and any other objects is prohibited when an employee has an intent, or
believes that another employee has an intent, to influence the investigation or
proper administration of any matter within the jurisdiction of any department or
agency of the United States, or an intent to impair the object's integrity or
availability for use in any official proceeding. Further, each employee has the
responsibility to comply with his or her department's Record Retention Policy.
If you are uncertain whether and how long to retain a document, seek guidance
from your supervisor. Files should be stored only in an authorized storage
facility, and never at home unless you have an approved home office. Refrain
from mixing Harland and personal records in the same file or record. Exercise
care in the creation of documents, to ensure that information is presented
clearly and accurately. You must ensure that documents over which you have
control are disposed of in compliance with the applicable Record Retention
Policy.


                                       18


<PAGE>


                              ANTITRUST COMPLIANCE


         Antitrust laws of the United States are designed to preserve and
protect fair competition and are a critical part of the business environment.
The Antitrust laws can be complex and can result in criminal - not just civil -
liability. Each Harland employee must comply with the antitrust and competition
laws and with the following guidelines. These guidelines deal with the areas of
(1) Relations with Competitors, (2) Relations with Suppliers, (3) Relations with
Customers and (4) Company Communications.


1. Relations with Competitors. Harland competes in the marketplace on the merits
of our products and services, on the prices we charge and on the customer
loyalty we earn. Harland will deal with our competitors fairly, ethically and in
compliance with applicable law.

         A. Contacts with Competitors. It is important to avoid conduct that
         might give even the appearance of collusion. Although any contact or
         communication with competitors holds this potential, there are limited
         situations in which communication with competitors is lawful and proper
         and serves a legitimate purpose and need. Work closely with the Legal
         Department before engaging in any substantive communications with our
         competitors.

         B. Competitive Information. Competitive information and market
         conditions are relevant to the Company's pricing, but they should be
         obtained from non-competitive sources such as, but not limited to,
         customers. Do not send or receive any price list to or from a
         competitor, or send to a competitor any information concerning past,
         present, or future bids, prices, discounts or terms or conditions of
         sale.

         C. Pricing Agreements. Any agreement with competitors concerning
         prices, terms of sale, price changes, discounts, rebates or special
         financing, pricing methods, warranties, transportation charges or any
         other matter relating to or affecting prices or any element of price is
         absolutely prohibited. There should be no communication of any kind
         directly or indirectly between the Company and its competitors
         regarding pricing or other selling terms.

         D. Agreements Limiting Production or Markets. Agreements with
         competitors to (1) control or limit production, (2) control or limit
         product quality, or (3) divide or otherwise allocate sales according to
         customers, territories or products are absolutely prohibited.

         E. Joint Refusals to Deal (Boycotts). Agreements among competitors not
         to do business or to limit business with a particular buyer or seller
         may be unlawful. Therefore, such agreements are absolutely prohibited
         as a matter of Company policy.

         F. Mergers, Acquisitions and Joint Ventures. Mergers, acquisitions and
         joint ventures between competing firms often will involve questions of
         legality under the Antitrust laws. Therefore, it is important to
         contact the Legal Department at the earliest opportunity if such
         transactions are under consideration.

         G. Director Interlocks with Other Companies. The Antitrust laws and a
         number of other statutes prohibit or limit directors or officers of one
         company from serving as directors or officers of a competing company.
         Any appointment which might result in a Harland director, officer or
         employee serving on the board of any other company should be promptly
         disclosed to the Legal Department.

         H. Trade Associations. Memberships in and the operation of all trade
         associations with which the Company, its subsidiaries, or their
         employees are associated should be reviewed annually with the Legal
         Department. Prior approval of the Legal Department should be obtained
         before submitting statistics or other information to a trade
         association or any of its committees.

                                       19
<PAGE>

2. Relations with Suppliers. As agents for the Company, we will base our
purchases from suppliers on product quality, service levels and prices,
including the consistency and dependability of our suppliers.

         A. Reciprocity. Agreements to purchase goods or services from a
         supplier on condition that the supplier will make purchases from the
         Company are prohibited.

         B. Inducing or Receiving Discriminatory Prices or Promotional Benefits.
         If you receive bids that include prices, terms or promotional services
         or allowances that you have reason to believe are not available to the
         Company's competitors, you should not accept without prior Legal
         Department approval.

         C. Exclusive Dealing and Requirements Contracts. Prior Legal Department
         approval should be obtained before entering into any agreement
         requiring the Company to purchase all or a significant portion of its
         overall requirements from certain suppliers or requiring suppliers to
         sell all or a portion of their output only to the Company.

3. Relations with Customers. We will treat our customers fairly and honestly at
all times. We will accurately represent our products and services in our
marketing, advertising and sales efforts.

         A. Refusal to Deal. Any agreement between Harland and another company
         to do business or refrain from doing business with a third party is
         absolutely prohibited. Since refusals to sell frequently lead to
         antitrust litigation, the Legal Department should be consulted before
         the Company refuses to sell to any customer or prospective customer or
         buy from any supplier or prospective supplier other than for valid
         credit reasons.

         B. Tying Agreements. Although Harland products may be offered as part
         of a package, refusing to sell one product to a customer without the
         customer also purchasing a different product may be deemed an illegal
         "tying" together of products, and therefore must not be negotiated
         without prior discussion with the Legal Department.

         C. Restrictions on Resale. As a matter of general policy, restrictions
         or agreements with customers to limit their resale of products should
         be avoided. No restriction on resale should be imposed without prior
         Legal Department approval.

         D. Company Pricing. Pricing should always be done independently with a
         view toward maintaining a competitive position in the marketplace, and
         not for the purpose of driving a competitor from the market. Sales at
         unprofitable, marginally profitable or discriminatory prices may be
         construed as evidence of predatory conduct and are against Company
         policy. Generally, prices available to all customers purchasing
         comparable volumes of products under similar terms and conditions at
         the same level of distribution must be the same and merchandising
         services or promotional payments must be proportionally equal, unless
         lower prices to particular customers can be justified by actual cost
         savings or the prices, services or payments are offered in good faith
         to meet equally favorable terms offered to those customers by a
         competitor.

         E. Exclusive Dealing and Requirements Contracts. Any agreement
         requiring a purchaser to buy all or a specified portion of its
         requirements from the Company (other than our standard check printing
         agreement), or not to purchase from another Company, must be approved
         in advance by the Legal Department.

         F. Brokerage. Brokerage shall not be paid directly or indirectly to a
         customer on purchases for its own account. All agreements appointing
         brokers must contain an express provision prohibiting the broker from
         passing on any part of its commission to a customer.

         G. Disparagement. Competing products shall not be disparaged orally, in
         writing, by advertising, or any other means of communication.

                                       20
<PAGE>

         H. False or Misleading Marketing Communications. The Company shall not
         engage in misleading advertising. The Company's public statements not
         only must be true, but should not be misleading or readily susceptible
         to misinterpretation.

         I. Unfair Competition. The Company shall not engage in any pricing or
         other competitive practice alone or with others having for its purpose
         the destruction of competition, the elimination of a competitor,
         blocking the market entry of a potential competitor, or otherwise act
         contrary to established laws, regulations or the public interest.

                  Unethical or unfair methods of competition are to be avoided,
         including practices such as (1) shipping unordered merchandise, (2)
         commercial bribery, (3) coercion, intimidation or harassment of
         customers, competitors or suppliers, (4) inducing breaches of contract,
         (5) industrial espionage, (6) unauthorized substitution of goods and
         (7) palming off goods as those of another manufacturer.

                  These guidelines apply to such business and merchandising
         activities as (1) advertising, (2) sales contests, (3) warranties and
         guarantees, (4) labeling, (5) merchandise certificates, (6) packaging,
         (7) suggested prices, (8) samples, (9) licensing and (10) salesperson's
         representations.

4. Company Communications. Careless and inappropriate language in Company
communications can have an extremely adverse effect on the Company's position in
an antitrust investigation or lawsuit. No Company documents other than
privileged communications to or from lawyers are exempt from disclosure if the
Company becomes involved in litigation. Even "personal" handwritten notes of
individual employees made in the course of their work and drafts of documents
and deleted e-mails may be requested and discovered in litigation. Please
observe these guidelines:

         A.  Don't use words that imply inappropriate behavior is involved
         ("Please destroy after reading.").
         B.  Be careful of the use of the exaggerated use of power words
         (This program will "destroy"
         competition.).
         C.  Don't speculate as to the legal propriety or consequences of
         conduct or attempt to paraphrase legal advice.
         D.  Don't mis-describe competition as something unexpected or improper
         such as referring to price cutting as "unethical" or to a lost customer
         as one "stolen" by a competitor.
         E.  Use particular care when discussing competition and prices. Avoid
         giving the false impression that the Company is not competing
         vigorously, that its prices are based on anything other than
         its own business judgment or that its public statements are "signals"
         to competitors.
         F.  When discussing the prices or plans of competitors, clearly
         identify the source of your information so that there will be
         no implication that the information was obtained under a collusive
         arrangement with a competitor.
         G.  Avoid any misimpression that special treatment is being accorded to
         a customer or class of customers ("For you alone").
         H.  Do not disparage the products of competitors.
         I.  Take care to avoid use of words that might imply falsely that a
         course of action was being pursued by the Company as a matter of
         "industry agreement" or "industry policy" rather than as a matter of
         the Company's individual self-interest.
         J.  Avoid using "canned" wording in memoranda which may sound as though
         you are writing for appearance's sake rather than to create an accurate
         record.


                                       21

<PAGE>


                       CODE OF BUSINESS CONDUCT AND ETHICS

                        RESOLVING BUSINESS CONDUCT ISSUES

         Sometimes honest differences of opinion exist about what action is
appropriate to take under specific circumstances. Behavior or actions considered
"right" in one context may be considered "wrong" in another. At times, when you
apply your own individual judgment, there seems to be no "right" answer. If you
need further help, stop and ask for guidance before you act. The following
guidelines are provided to aid you in resolving any questions you may have about
compliance with the Code of Business Conduct and Ethics and include: (1) Issue
Resolution Process, (2) Confidentiality, (3) No Retaliation and (4) Criteria For
Individual Judgment.

1. Issue Resolution Process. If you are faced with a situation that you believe
does not comply with Harland's Code of Business Conduct and Ethics policies and
guidelines, or that may be unethical, inappropriate or illegal, we have set our
the following issue resolution process:

         A. First try to resolve the concern through standard management
         channels or sources of guidance. Some issues may arise that cause you
         concern which are not necessarily business conduct or ethics issues.
         Examples are: failure to receive a promotion, a poor relationship with
         a co-worker, or a perception that your department or division is not
         being managed as effectively as it might be. Such concerns should first
         be fully pursued through normal processes such as your human resource
         department, division or department manager.

         B. If resolution through normal management channels is not appropriate
         or you have already taken these steps and feel that the issue was not
         adequately resolved, you can contact any of the following:

                  -The Legal Department
                  -President or General Manager of Your Business Unit
                  -Vice President of Human Resources
                  -President of the Company

2. Confidentiality. In reporting violations of the Code of Business Conduct and
Ethics you need not identify yourself. The Company will respect the
confidentiality and, if requested, the anonymity of individuals who in good
faith report violations of the Code of Business Conduct and Ethics, Company
policies or perceived unethical conduct.

3. No Retaliation. It is Company policy to ensure that no retaliation occurs as
a result of any employee raising a business conduct and ethics issue or
reporting a perceived violation of the law.

4. Criteria for Individual Judgment. If you have questions about the
implications of an intended action, before you act, first ask yourself the
following questions. If you are still uncertain after your have answered these
questions, follow the issue resolution process set out above.

         -Is anyone's health or safety endangered by this action?
         -Is the action legal? If legal, is it also the "right" thing to do?
         -Does the action comply with Company policy and approved practice?
         -Do I feel uncomfortable about doing this?
         -Should I ask my supervisor about this concern before I act?
         -Would Harland or I be compromised if this action were known by my
          supervisor, peers, subordinates or friends?
         -Can I defend this action before my supervisor, peers, customers and
          community?
         -Is this action consistent with Harland's Mission, Pillars and Values?
         -How would this action or situation appear to others if it were
          reported in the newspaper or the evening news or were posted on the
          Company's website, e-mail system or bulletin board in my work area?

                                       22
<PAGE>


                       CODE OF BUSINESS CONDUCT AND ETHICS


                          COMPLIANCE AND ADMINISTRATION


         The following compliance and administration procedures are provided to
ensure certification and compliance with the Code of Business Conduct and Ethics
and include: (1) Certification Process, (2) Waivers, and (3) Amendments.


1. Certification Process. All salaried employees upon employment and once each
year thereafter, must sign the attached Code of Business Conduct and Ethics
Certification attesting that he or she has read, understands, has complied, will
comply with and is unaware of any breach of the Code of Business Conduct and
Ethics. Additionally, such employee has the continuing obligation to update such
information in the event circumstances change which cause the information
certified to be outdated, misleading or incomplete. Employees who fail to
disclose reportable interests or relationships, who knowingly make a false
report, or who fail to comply with the Company's policies, shall be subject to
disciplinary action, including possible termination of employment. The
certification attached to this Code of Business Conduct should be completed
within two (2) weeks of receipt of this Code of Business Conduct and Ethics.

2. Waivers. Any waiver of this Code of Business Conduct and Ethics for executive
officers or directors of the Company may be made only by the Board of Directors
or a committee thereof, and will be promptly disclosed to the Company's
shareholders.

3. Amendments. Harland reserves the right to amend this Code of Business Conduct
and Ethics from time to time, subject to approval by the Harland Board of
Directors. If we do so, we will communicate to you through normal communications
channels the substance of any such changes.


                                       23


<PAGE>


                       CODE OF BUSINESS CONDUCT AND ETHICS

                           CERTIFICATION OF COMPLIANCE


DATE:             ___________________________________________

TO:               THE CORPORATE LEGAL DEPARTMENT

FROM:             NAME: _______________________________
                  POSITION: ____________________________
                  DIVISION: ____________________________
                  LOCATION: ___________________________

         I hereby certify the statements in this certification are true and
accurate as of the date I have signed this certification. I further certify that
I will update this certification if any circumstance changes which causes the
information certified to be outdated, misleading or incomplete.

YES/NO

1._____  I certify that I have received, read, and understand the Code of
         Business Conduct and Ethics to which this Certification is attached.

2._____  I have complied and will comply with all policies and guidelines
         set forth in the Code of Business Conduct and Ethics.

3._____  I do not know of any violation of the Code of Business Conduct and
         Ethics by any person, including any fraud having been committed by any
         employee of Harland.

If you answer "No" to any of these statements, you must contact one of the
following individuals in the Legal Department with an explanation:

         John C. Walters
         Phone: 770-593-5617
         E-mail: jwalters@harland.net

         Sarah B. King
         Phone: 770-593-5426
         E-mail: sbking@harland.net

                  SIGNED THIS _____ DAY OF ____________, 20___

Signature: ____________________________________
Printed Name: _________________________________

------------------------------------------------------------------------------
                                  INSTRUCTIONS
         After you have received and read the Code of Business Conduct and
Ethics, prepare the above Certification of Compliance as follows:
         1. Insert your name, position, division, and location in the spaces
            indicated on the form.
         2. Indicate the appropriate answers to your certification.
         3. Contact the Legal Department if necessary.
         4. Sign and date the form.
         5. Return the form to the Legal Department.
Before completing the certification, you may discuss any concerns you have with
the Legal Department. This form should be returned within two weeks after you
have received it.

                                       24