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                                                                   EXHIBIT 10.6

2004 RESTATED CSCU CARD PROCESSING SERVICE AGREEMENT This 2004 Restated CSCU
Card Processing Services Agreement (this "Agreement") is made as of January 1,
2004 by and between Card Services for Credit Unions, Inc., a Florida corporation
("CSCU") and Certegy Card Services, Inc. (formerly Equifax Card Services, Inc.),
a Florida corporation ("Certegy") with reference to the following facts:

A. CSCU is an organization consisting of member credit unions (the "Credit
Unions"), which are licensees of VISA U.S.A., Inc. ("VISA") and/or MasterCard
International, Inc. ("MasterCard").

B. Among other purposes, CSCU has been organized for the purpose of obtaining
and maintaining one or more bank identification numbers (BIN's) issued by VISA
and/or interbank card association numbers (ICA's) issued by MasterCard for
shared use by the Credit Unions in connection with their VISA and/or MasterCard
programs.

C. Certegy is engaged in the business of providing card processing services to
assist licensees of VISA and MasterCard in the operation of their card programs.

D. CSCU, in a desire to retain Certegy on an exclusive basis to provide card
processing services to the Credit Unions, entered into the CSCU Card Processing
Service Agreement with Equifax Card Services, Inc., f/k/a Telecredit Service
Center, Inc., on February 7, 1989, which was amended on September 15, 1989, July
1, 1992, March 27, 1993, and April 1, 1993 (collectively, the Original
Agreement"). The parties entered into a Restated CSCU Card Processing Service
Agreement on February 16, 1994, which they later amended on August 2, 1997 and
April 1, 1999 (the "Restated Agreement"). The term of the Restated Agreement
extends through September 30, 2004.

E. The parties now desire to enter into this Agreement to extend the term of the
Restated Agreement from October 1, 2004 through December 31, 2009 (the "Extended
Period"), and to update and again restate the terms of their Agreement.

NOW, THEREFORE, in consideration of the mutual covenants contained in this
Agreement, the parties agree as follows:

Services. 1.

1.1 Retention of Certegy. By this Agreement, CSCU retains Certegy, and Certegy
agrees, to provide card processing services to the Credit Unions in accordance
with the terms of this Agreement. The services to be provided (the "Services")
include all of the items referenced on Schedules A, B, C, E, G, J, K and L.
Except as otherwise provided for in this Agreement, so long as this Agreement
remains in effect, CSCU shall not retain any other party to provide any of

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the Services. If CSCU wishes to utilize or offer additional services or products
not included on any of the Schedules or Exhibits, CSCU shall provide Certegy the
right of first refusal to provide those other services or products. In this
event, CSCU shall provide to Certegy in writing the specifications for those
services or products and shall give Certegy ninety (90) days from receipt of
such notice to advise CSCU if Certegy can provide the requested services and/or
products and on what additional terms (i.e., fees). CSCU may obtain competitive
bids from other providers in the industry for these other services and products
not included on the Schedules or Exhibits, but shall always provide Certegy the
opportunity to meet any competitive bid and provide those additional products
and services. In the event that Certegy is unable or unwilling to meet the bid
submitted by another third party processor, CSCU may purchase those services or
products from such other provider.

1.2 Should CSCU request a change to any of the Services that would require
modification of or addition to hardware or software utilized by Certegy or
hiring of additional staff by Certegy or result in Certegy incurring any
additional expenses in providing the Services (e.g., customization of a
particular program for a particular group of Credit Unions, or should CSCU
request Certegy to implement a program sooner then scheduled by Certegy,) then
Certegy and CSCU agree to negotiate whether and upon what terms such changes or
implementations shall be provided. Certegy reserves the right to make changes to
the Services from time to time so long as the changes do not prevent Certegy or
CSCU from meeting their obligations to the Credit Unions and Cardholders (e.g.,
changing vendors, changing equipment, upgrading software and other changes that
are determined necessary by Certegy, in its sole discretion, to maintain
performance levels and competitiveness). Certegy shall be responsible for
implementing, at no additional cost to CSCU or the Credit Unions, all updates
and releases as required by MasterCard and/or Visa, as well as modifications to
correct problems with the Services that are the responsibility of Certegy.
Certegy shall test all changes, using commercially reasonable means including
quality control checks, prior to placing changes into production, to increase
the likelihood of a successful implementation. In addition, Certegy will present
to CSCU information on new products and services prior to those new products or
services being offered to the Credit Unions.

1.3 Credit Union Service Agreement. Certegy shall enter into a "Credit Union
Service Agreement," substantially in the form of one of those agreements
attached as Exhibits "B," "B-1 and "B-2 with each Credit Union desiring to
acquire the Services.

1.4 Minimum Rating Requirements. From time to time, CSCU and Certegy may jointly
establish minimum financial requirements for eligibility in the program offered
pursuant to this Agreement.

1.5 Other Vendors. If a Credit Union wishes Certegy to provide to vendors data
pertaining to that Credit Union, that Credit Union shall provide written
authorization to Certegy to provide that data as well as indemnification for
claims pertaining to the provision of that data or the performance of any such
vendors, in a form acceptable to Certegy. In addition, Certegy my require any
such vendor to enter into written agreements with Certegy governing the
provisions of that data and the vendor's duty to protect the data from
compromise and unauthorized use or disclosure.

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Fees for the Services. 2.

2.1 CSCU Enrollment Fee. At the time a Credit Union enters into a Credit Union
Service Agreement, that Credit Union shall pay to CSCU, and CSCU hereby
authorizes Certegy to collect on its behalf, a nonrefundable enrollment fee of
One Hundred Fifty Dollars ($150.00).

2.2 Guaranteed Rates. Certegy shall charge the Credit Unions, and the Credit
Unions shall pay, those fees set forth on Schedules "A", "B", "C", "E", "G",
"J", "K" and "L", copies of which are attached to and made a part of this
Agreement (collectively, the "Schedules"). Subject to subparagraphs 2.3 and 2.4
of this Agreement, those fees set forth on the Schedules shall remain in effect
through the term of this Agreement. Pass through Fees. From time to time,
Certegy shall have the right to increase

2.3 any of the fees over which it has no control up to the amount of the actual
cost incurred by Certegy including, but not limited to, Certegy's reasonable
internal costs (collectively, the "Pass Through Fees") and which are identified
as such on the Schedules, effective as of the date those Pass Through Fees are
increased to Certegy. CSCU shall not be responsible, however, for any MasterCard
and Visa fines and penalties that result from Certegy's failure to fulfill its
obligations under this Agreement.

2.4 Fee Increases for Inflation. Effective October 1, 2004, upon written notice
in accordance with section 2.5, Certegy shall have the right, three times during
the Extended Period, to increase one or more of the fees set forth on the
Schedules, excluding the Pass Through Fees, by a percentage equal to the
Percentage Increase, if any, in the Consumer Price Index as described below, but
not to exceed 3% in any one increase. For purposes hereof, the following
definitions shall apply:

(i) The "Consumer Price Index" shall mean the Consumer Price Index of the Bureau
of Labor Statistics of the United States Department of Labor (the "DOL") for All
Urban Consumers, U.S. City Average (1982-84=100), "All Items" (the "Index"). If
the DOL revises the basis on which the Index is now calculated, the parties
shall make an appropriate conversion to a revised "Index" on the basis of
conversion factors published by the DOL. If conversion factors are not available
from the DOL, either party may request the DOL to provide an appropriate
conversion or adjustment. If the DOL is unable or unwilling to provide an
appropriate conversion or adjustment, or if the Index is discontinued, the
parties shall in good faith agree on a suitable substitute for the Index.

(ii) The "Percentage Increase" shall mean the percentage equivalent to the
fraction, the numerator of which is the Index for the Comparative Month less the
Index for the Base Month, and the denominator of which is the Index for the Base
Month.

(iii) The "Comparative Month" shall mean the third month prior to the effective
date of the increase, and the "Base Month" shall mean (a) in the case of the
first increase for any applicable Schedule, March of 2002, and (b) in the case
of a subsequent increases, the month that was the Comparative Month for the last
increase of the fees being increased.

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2.5 Notice of Fee Modification. Any allowed fee modification shall be effective
on the first calendar day of the next month following thirty (30) days prior
written notice from Certegy to CSCU and the Credit Unions. Certegy shall
document any fee modification by revising the applicable Schedules, providing a
copy of the revised Schedules to CSCU and providing notice of the changes to the
individual Credit Unions.

2.6 Payment of Fees. Fees for processing transactions shall be settled each
banking day for the transactions processed for the previous banking day and
shall be payable by deduction from the various Accounts referenced in section 3
of this Agreement. Fees for all other Services shall be invoiced by Certegy
monthly and shall be payable by deduction from the Accounts referenced in, and
in accordance with, section 3 of this Agreement. Settlement Procedures. 3.
Program Clearing Account. So long as this agreement remains in effect, Certegy

3.1 shall maintain on behalf of CSCU a demand deposit account (the "Program
Clearing Account" or "PCA") at a mutually agreeable financial institution the
purpose of settling transactions, charges, and reimbursements in connection with
the Credit Unions' VISA and MasterCard programs. Access. Certegy shall have the
right to make deposits into and withdrawals from

3.2 the PCA for the following purposes:

(i) daily settlement of all incoming VISA and MasterCard cardholder amounts due
VISA and MasterCard;

(ii) daily settlement of fees payable to Certegy for the transactions processed
the previous banking day;

(iii) monthly settlement of Certegy's fees and charges other than daily
transaction processing fees;

(iv) daily settlement of all VISA and MasterCard fees charged CSCU or a CSCU
member by VISA or MasterCard or deducted from Certegy's accounts, including
without limitation the combined warning bulletin fees, interchange fees, and
assessments;

(v) daily payment of any interest due Certegy for Funds paid by Certegy to VISA
or MasterCard on behalf of the Credit Unions that were not available in the PCA
(the "PCA Shortfall"), which interest shall be calculated at the prime rate
charged by Certegy's depository bank plus one percent (1%) for all PCA
shortfall;

(vi) daily investment for CSCU's benefit of available funds from the PCA as
described in section 3.4;

(vii) settlement of all incoming debt transactions; and

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(viii) settlement of all outgoing debit transactions not more than three (3)
business days following Certegy's receipt of such outgoing debit transactions
from a Credit Union.

3.3 Funding and Management of the PCA. CSCU, through each of the Credit Unions,
shall provide Certegy the funds to maintain on behalf of CSCU, at all times in
the PCA, a balance not less than the following (the "Minimum Balance"):

(i) If Certegy provides any of the Services referenced on Schedule "A" and "B",
the anticipated average number of credit cardholder accounts of each Credit
Union under its VISA and/or MasterCard programs for the first 90 days or 300
accounts, whichever is greater, x 2.5 (anticipated charges per cardholder
account per month) x $75 (anticipated average transaction amount) divided by
21.5 (average business days per month); plus

(ii) If Certegy provides any of the Services referenced on Schedule "E" and "J",
the anticipated average number of debit cardholder accounts of each Credit Union
under its VISA and/or MasterCard programs for the first 90 days or 300 accounts,
whichever is greater, x 5 (anticipated debits per cardholder account per month)
x $40 (anticipated average debit amount) divided by 21.5 (average business days
per month); plus

(iii) if Certegy provides any other Services to a Credit Union, an amount
sufficient to cover those daily transactions and chargebacks as well (e.g.,
Direct Processing Merchant Services as referenced on Schedule "C" or Commercial
Card Services on Schedule "G"). The above factors may be adjusted by Certegy
based on the actual transaction volume history of those Credit Unions for which
Certegy has been providing Services, and the factors shall thereafter be
adjusted quarterly by Certegy, or more often if deemed necessary by Certegy and
CSCU, based on the actual transaction volume history of the prior quarter and
seasonal factors. Certegy shall give prior written notice to CSCU and the Credit
Unions of any adjustment of the factors. Credit Union authorizes Certegy, at
Credit Union's expense, to access the PCA as well as the Settlement Account
through the Automated Clearing House ("ACH"), U.S. Central Credit Union's data
switch, wire transfer, or draft transfer in order to maintain Credit Union's
required balances, if applicable, or for any purpose described in this section
3, and similarly to transfer funds owing to a Credit Union into the applicable
account. CSCU guarantees the availability of the funds in the various accounts
referenced in this section 3 and agrees that Certegy shall at all times have
access to such funds for the above referenced purposes and further agrees that
Certegy shall be able to make the withdrawals and transfers required hereunder
and hereby authorizes Certegy to borrow funds, on a short-term basis on behalf
of CSCU, to maintain funds in those accounts in an amount reasonably required by
Certegy to perform daily settlements. Certegy agrees to manage the various
accounts on CSCU's behalf and on behalf of Credit Union to achieve these stated
purposes. Investment of Funds. Certegy shall invest any available funds in the
PCA on

3.4 behalf of CSCU in short-term investments to be mutually agreed on in
writing.

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3.5 Settlement Account. Certegy shall on behalf of CSCU require each Credit
Union to maintain, and each Credit Union shall maintain, at all times a demand
deposit account (a "Settlement Account") with funds in an amount sufficient to
enable CSCU and/or Certegy to replenish the PCA, on a daily basis, so that the
Credit Union's pro rata share of the Minimum Balance is maintained at all times.
CSCU and/or Certegy, through U.S. Central Credit Union's data switch, through
the Automated Clearing House ("ACH"), or through wire transfer, at the expense
of each Credit Union, shall have the right to transfer funds from each
Settlement account to the PCA, on a daily basis, in an amount necessary to
replenish the PCA as set forth above. Each Credit Union shall provide overdraft
protection for its Settlement Account to further ensure that CSCU and/or Certegy
shall be able to make the transfers necessary under this section. So long as
Certegy shall follow reasonable and prudent procedures to minimize loss
resulting from the failure of a Credit Union to maintain the required balance in
its Settlement Account, CSCU shall indemnify and hold harmless Certegy from and
against any losses and liabilities resulting from the failure of a Credit Union
to maintain the required balance. Settlement to Credit Unions processing on
BASE2000. Credit Unions receiving

3.6 Certegy Services under Schedules "K" or "L" shall each establish a
settlement account in the Credit Union's name to enable VISA and/or MasterCard
to settle transactions, dues, fees, assessments and other amounts directly to
the Credit Union settlement account ("Direct Settlement Account"). The Credit
Union shall maintain sufficient balances in the Direct Settlement Account to
enable such VISA and/or MasterCard settlements. Neither CSCU nor Certegy shall
bear any responsibility or liability for funding of the Credit Union's Direct
Settlement Account.

3.7 Payment Account. Certegy shall maintain on behalf of CSCU one or more demand
deposit accounts for the purpose of deposit of cardholder and other payments
made to CSCU and the Credit Unions (the "Payment Accounts"). Certegy shall have
the right to deposit cardholder and other payments into the Payment Accounts and
to transfer funds from the Payment Accounts to the PCA, the Settlement Account
or the Direct Settlement Account, as appropriate.

3.8 Records. Certegy shall maintain complete records pertaining to the PCA and
the Payment Accounts, including records pertaining to reconciliation of the PCA,
daily interchange fees, and daily settlements, and pertaining to Certegy's
transfers to and from the Settlement Accounts.

Quality Control Standards. 4.

4.1 Certegy shall maintain the quality control standards set forth in Exhibit
"C", which is attached to and made a part of this Amendment (the "Standards").
At the end of each calendar quarter, Certegy and CSCU shall review Certegy's
quarterly performance regarding the Standards. To facilitate that quarterly
review, Certegy shall provide CSCU with monthly reports on which that review can
be based. Those Standards on Exhibit C, which are deemed to be "Material
Standards", are identified as such on Exhibit "C". CSCU and Certegy shall each
measure Credit Union satisfaction through their independently conducted surveys.
If CSCU notifies Certegy that CSCU's satisfaction survey results for any period
vary materially from the results of Certegy's satisfaction survey for the same
period, the parties shall compare their

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surveys to confirm that the survey questions seek the same information, the
surveys are addressed to the same target audience, and the surveys use the same
response scale. If matching these factors corrects the variance, future results
should match. When these factors are the same and the results still have a
statistically significant variance and the issue causing the variance can be
identified, CSCU and Certegy will mutually agree on corrective action and
implement the corrective action plan within 30 days. If Certegy and CSCU cannot
identify or agree upon the cause for the variance, the parties will jointly
retain the assistance of an outside statistical survey specialist to assist the
parties' effort to eliminate the variance.

4.2 The failure by Certegy to have met one or more Material Standards or three
or more of the other Standards in any three consecutive months shall be deemed a
"Material Failure". In the event Certegy is implementing a technology or
software enhancement, Certegy may inform CSCU in advance of the Standards it
expects to be negatively affected and the timeframe for the implementation. Such
identified Standards will not be included in determining whether there has been
a Material Failure during the implementation. In the event of a Material
Failure, Certegy shall take those steps necessary to cure that specific Material
Failure within the 1-month period following notice by CSCU to Certegy of the
Material Failure (the "Cure Period"). Except as provided for in subsection 4.3,
the test period to determine whether such cure has been accomplished shall be
the 1-month period following the Cure Period.

4.3 In addition, during any Cure Period for the Standards identified in Exhibit
"C" as either the "Cardholder Satisfaction Rating Index Goal" or the "Credit
Union Satisfaction Rating Index Goal", for satisfaction surveys conducted by
Certegy, (collectively, the "Satisfaction Rating Index Goals"), Certegy will pay
CSCU (i) $20,000 for any month in which there is a Material Failure of one
Satisfaction Rating Index Goal, and (ii) $40,000 for any month in which there is
a Material Failure of both Satisfaction Rating Index Goals. Notwithstanding
anything in this Agreement to the contrary, if Certegy is unable to cure the
applicable Satisfaction Rating Index Goal(s) after a 90-day period following the
beginning of the Cure Period, CSCU may terminate this Agreement.

4.4 Unless otherwise expressly agreed to in writing by the parties, all results
of all Standards shall be deemed "Confidential Information" of Certegy, subject
to section 8 of this Agreement.

4.5 Certegy will invest in improvements to its debit/ATM processing capability
during the Renewal Term. Certegy's goals will be:

(1) to establish effective, efficient and dependable connectivity to enable
authorizations and settlements over all major debit/ATM networks;

(2) to provide competitive solutions for CSCU Credit Union's debit and ATM card
processing needs;

(3) to have Certegy's platform connect directly to VISA for signature debit
authorizations;

(4) to settle signature debit transactions directly with VISA;

(5) to enable single point settlement;

(6) to provide a graphical user interface;

(7) to enable seven-day processing, and

(8) to enable unique authorization parameters by BIN. Backup, Disaster Recovery,
Force Majeure and System Integrity. 5.

5.1 Backup. Certegy shall provide for backup data processing in the event
Certegy's primary data processing unit becomes inoperable. Certegy will provide
off-premises secured

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storage of data and program files as required by VISA and MasterCard and will
have available redundant sources of electrical power.

5.2 Disaster Recovery. In the event Certegy is prevented from performing its
obligations under this Agreement through no fault of its own, Certegy shall,
through its own facilities, suppliers of computer equipment and/or other
processors, make best efforts to assist Credit Union to obtain replacement
processing services for the Services, as promptly as is reasonably possible.
Credit Union authorizes Certegy to provide cardholder and other Confidential
Information to those vendors it contracts with to provide disaster recovery and
other back-up processing services to Certegy, in order to test and prepare for
disaster recovery as well as to perform Services in the event of a threatened or
actual disaster. Certegy shall require each vendor that is to receive
Confidential Information to sign a confidentiality agreement binding such vendor
to protect and not improperly disclose Confidential Information. Certegy has
maintained and shall continue to maintain arrangements with vendors to provide
backup processing capability and Certegy shall test the functionality and
viability of such backup processing capability twice each year.

5.3 Force Majeure. If Certegy is prevented from performing its obligations under
this Agreement due to causes beyond its control, including without limitation
strikes, riots, earthquakes, epidemics, wars, acts of terrorists, fires, power
failures, the failure or closure of a Credit Union, machine breakdowns,
computer-associated equipment outages, or any other catastrophe rendering its
data processing center wholly or partially inoperable, Certegy shall not be
liable for any loss or damage to Credit Union, Agent Credit Unions or Customers.

5.4 Annual Financial and System Review. Each year, Certegy shall provide to CSCU
a copy of the most recent annual report of its publicly held parent corporation
and a copy of the most recent third party auditors' review and report on the
design and compliance test of Certegy's card processing system (SAS 70). Upon
Credit Union's written request, Certegy shall provide these documents to Credit
Union.

6. Merchant Fees. If a Credit Union utilizes the Merchant Services provided by
Certegy, the fees referenced in Schedule "C" attached to and made a part of this
Amendment, shall apply to those services, and the following terms are added to
the Agreement:

6.1 Right to Refuse Merchants. Credit Union shall not enroll merchants for
participation in the VISA and/or MasterCard system through CSCU or Certegy, if
those merchants are within the categories of merchants designated by CSCU and/or
Certegy from time to time as "high-risk merchants". CSCU and/or Certegy shall
have the right to refuse to enroll, and may terminate the enrollment of, any
merchant if it determines, in its sole and absolute discretion, that failure to
do so would create excessive risk for CSCU and/or Certegy. Right to Refuse
Transactions. In the event that either CSCU or Certegy 6.2 determine, in their
sole discretion, that the risks related to the credit card sales transactions
("Transactions") introduced by any merchant enrolled by Credit Union are
excessive, then CSCU or Certegy may refuse to accept and process those
Transactions. CSCU or Certegy shall

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promptly notify Credit Union of its refusal to accept and process Transactions
from any such merchant.

6.3 Card Association Requirements. Credit Union shall comply with all VISA
and/or MasterCard requirements for enrolling new merchants including, but not
limited to, the performance of a credit check and/or other financial background
investigation; a physical inspection of the merchant's place of business; and an
investigation to determine whether the merchant previously has been expelled
from the VISA and/or MasterCard systems by another Credit Union for fraud or
suspected fraud. Credit Union shall examine the sales drafts contained in sealed
merchant deposits before forwarding such deposits to Certegy in order to detect
possible fraud and other irregularities.

6.4 Indemnification. Notwithstanding any other provision of this Agreement,
Credit Union shall indemnify and hold harmless Certegy and CSCU, and their
respective stockholders, officers, directors, employees, agents, affiliates,
subsidiaries, successors and assigns, from and against any and all liabilities,
obligations, losses, damages, penalties, actions, judgements, suits, costs,
expenses, including reasonable attorney fees including attorneys' fees in
appellate and bankruptcy proceedings, or disbursements of any kind or nature
whatsoever, which may be suffered by, imposed on, incurred by, or asserted
against Certegy, CSCU or the other indemnified parties in any way relating to,
or arising out of any merchant deposit of VISA or MasterCard credit card or
debit card sales transactions, drafts which arise from transactions from
merchants enrolled by Credit Union or an agent institution of Credit Union for
the merchant services provided pursuant to the Service Agreement, ("Sales
Transactions"), including counterfeit or fraudulent transactions, or any
chargebacks of such Sales Transactions (collectively, the "Losses"). Certegy
shall be a third-party beneficiary of this paragraph, and if Certegy brings any
lawsuit, arbitration or other action against Credit Union to enforce the
provisions of this paragraph, the prevailing party shall be entitled to recover
its reasonable attorneys' fees and costs in connection with the action including
attorneys' fees and costs in appellate and bankruptcy proceedings.

6.5 Right to Utilize Certain Funds. CSCU and/or Certegy shall have the right to
utilize any amounts payable to Credit Union as a result of Transactions in the
MasterCard and/or VISA systems in payment of, or to reimburse CSCU or Certegy
for, chargebacks or any other amounts payable by, or any other losses resulting
from the activities of, any merchants enrolled by Credit Union or an agent
institution of Credit Union. Credit Union acknowledges that Certegy is a third
party beneficiary of all rights granted to CSCU by Credit Union under this
Financial Services Agreement, and that Certegy can exercise all rights given to
it pursuant to this paragraph to, among other things, apply incoming amounts to
offset or recover amounts due on fraudulent Transactions introduced into the
MasterCard and/or VISA systems by merchants enrolled by Credit Union or an agent
institution of Credit Union. Credit Union specifically agrees that the rights of
CSCU and Certegy and the obligations of Credit Union hereunder shall survive any
termination of this Agreement.

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Inspection of Records. 7.

7.1 Inspection by CSCU. On reasonable notice, during normal business hours and
on presentation of written authorization from CSCU or from a Credit Union, as
the case may be, CSCU representatives shall have the right, at CSCU's expense,
to inspect and audit information and records in Certegy" possession pertaining
to this Agreement or the Credit Union providing the authorization; provided that
any such notice shall specify the scope of the inspection or audit and Certegy
shall have the right to receive and comment on any report prepared by any
external representative engaged by CSCU in connection with any such inspection
or audit, prior to its dissemination to the Credit Unions or any other parties.

7.2 Inspection by Credit Union. On reasonable notice, during normal business
hours and on presentation of written authorization from a Credit Union, the
representatives of the Credit Union or the designated agent of the Credit Union
shall have the right, at the Credit Union's expense, to inspect and audit
information and records pertaining to that Credit Union; provided that any such
notice shall specify the scope of the inspection or audit and Certegy shall have
the right to receive and comment on any report prepared by any external
representative engaged by the Credit Union in connection with any such
inspection or audit, prior to its dissemination to the Credit Unions or any
other parties. Government Inspection. Certegy shall permit those governmental
agencies that 7.3 regulate and examine CSCU and the Credit Unions to examine
Certegy and its books and records to the same extent as if the Services were
being performed by CSCU or the Credit Unions on their own premises.

8. Confidentiality. Each of the parties to this Agreement shall hold all
information provided to it by the other party, or through its relationship with
the other party, as secret and confidential, whether in the form of reports,
plans, customer lists, data, documents, software and related products and
services, (including, without limitation, CSCU's proprietary software, the
Virtual Card Consultant), drawings, writings, samples, know-how, marketing,
strategies, business operations and business systems, and other proprietary
material ("Confidential Information"). Non-public financial information that is
personally identifiable to a customer or member of Credit Union (referenced in
the Gramm-Leach-Bliley Act of 1999 as "Non-public Personal Information" or
"NPI") shall be treated by Certegy as Confidential Information whether it is
received directly from Credit Union, through VISA or MasterCard or from another
third party. Certegy shall only provide NPI to CSCU at the request of Credit
Union. Confidential Information shall remain the property of the party from or
through whom it was provided. The parties shall use Confidential Information,
including NPI, only to perform under this Agreement and in the case of CSCU its
Membership Agreement with Credit Union. Each party shall use the same degree of
care to protect the other party's and Credit Union's Confidential Information as
it uses to safeguard its own and each party shall implement and maintain
procedural, physical and electronic safeguards to prevent the compromise or
unauthorized disclosure of Confidential Information. For purposes of this
section, other than in the case of NPI, Confidential Information shall not
include information that becomes available to the public through no wrongful
action of the receiving party, is already in the possession of the receiving
party and not subject to an existing agreement of confidentiality between the
parties, is received from a third

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party without restriction and without breach of this Agreement, is independently
developed by the receiving party, or is disclosed pursuant to a request from a
government agency to the extent required by law. This Agreement shall in no way
be construed to grant any right, license, or authorization to either party to
use Confidential Information except as permitted in this Agreement. Each party
shall restrict access to Confidential Information to those employees and persons
in the receiving party's organization with a need to know such Confidential
Information in order to perform its obligations under this Agreement. Such
employees and persons shall be under the same obligations to hold secret and
confidential such Confidential Information. To the extent Certegy retains third
party vendors to assist it in performing its duties under this agreement, it
shall first require such vendors similarly to protect and restrict the use of
Confidential Information. The obligations of the parties hereunder shall survive
the termination of this Agreement.

Transmissions. 9.

9.1 CSCU and Credit Union Responsibility. CSCU and/or the Credit Unions, as the
case may be, shall be responsible for transmission at their expense, and shall
bear the risk of loss and damage resulting from the transmission to the data
processing center of Certegy of information and data (collectively, "Data"). In
the case of physical transmission of Data to Certegy, the responsibility for
loss and damage shall remain with CSCU and/or the Credit Unions to the point
where and until Certegy receives delivery of the Data through the U.S. mail or
by courier, and in the case of electronic transmission, until receipt is
confirmed by Certegy, at which time the risk of loss shall shift to Certegy.

9.2 Certegy Responsibility. Certegy shall bear the risk of loss and damage
resulting from the transmission of Data from the data processing center of
Certegy. In the case of physical transmission of Data from Certegy to CSCU or a
Credit Union, the responsibility for loss and damage shall remain with Certegy
to the point where and until CSCU or the Credit Union, as the case may be,
receives delivery of the Data through the U.S. mail or by courier, and in the
case of electronic transmission, until receipt is confirmed by CSCU or the
Credit Union, at which time the risk of loss shall shift to CSCU or the Credit
Union, as the case may be. Certegy's responsibility for the safekeeping and
security of plastic credit cards or blank plastic cards commences upon the
delivery of such plastics to Certegy and terminates upon delivery of plastics by
Certegy to the mail, courier or freight service designated by CSCU or the Credit
Union.

Compliance with Laws and regulations. 10.

10.1 Certegy's Compliance Obligations. Except as provided in items (i) and (ii)
of section 10.2 below, Certegy shall be responsible for providing the Services
in a manner that complies with all Federal laws, rules, and regulations as
amended or enacted from time to time applicable to the Services, including
without limitation the Truth-In-Lending and Fair Credit Billing Acts, and all
rules and regulations promulgated under those laws. 10.2 Credit Union Compliance
Obligations. Each Credit Union shall be responsible for the following:

                                       11

<PAGE>

(i) preparing its credit application forms, solicitations, and notices of credit
approval and denial as well as compliance with all Federal laws, rules, and
regulations relating to those documents, including without limitation, where
applicable to those documents, the Federal Consumer Credit Protection Act
including Truth-In-Lending, the Equal Credit Opportunity act, the Electronic
Fund Transfer Act, the Gramm-Leach-Bliley Act of 1999, the U.S.A.

PATRIOT

Act, and any regulations implementing such acts;

(ii) if the Credit Union elects to prepare any other documentation or text for
use with its cardholder accounts, Credit Union shall comply with all applicable
laws, rules, and regulations applicable to such documentation or text;

(iii) complying with all state and municipal laws, rules, and regulations as
amended or enacted from time to time applicable to all documentation sent to the
Credit Union's cardholders; and

(iv) except as provided in section 10.1 above, complying with all Federal and
state laws, rules, and regulations applicable to the operation of its card
program, including without limitation state and Federal usury laws, Fair Credit
Reporting, Equal Credit Opportunity and Electronic Funds Transfer Acts and all
rules and regulations promulgated under these laws relating to the operation of
its card program, and all VISA, MasterCard and other card association rules and
regulations applicable to card issuing institutions in connection with the
operation of its card program.

10.3 Modifications to Card Program. Each Credit Union shall notify Certegy by
certified mail if it desires to amend, subject to applicable law and regulation,
any aspect of its card program which may impact Certegy's provision of the
Services to that Credit Union, including, without limitation,

(i) the annual percentage rate it charges,

(ii) the percent and dollar amount of minimum payment,

(iii) its method of finance charge calculation, and/or (iv) the annual fees of
that Credit Union's existing card program.

10.4 Debit Card Disclosures. Notwithstanding anything to the contrary in this
section 10, each Credit Union shall be solely responsible for providing any and
all required debit card disclosures and forms to its customers. Each Credit
Union shall be solely responsible for compliance with all laws, rules, and
regulations applicable to all aspects of the operations of its debit card
programs, regardless of whether that Credit Union uses any forms or other
materials supplied by Certegy.

11. Certegy Procedures. Certegy shall, from time to time, hold training sessions
at its facility and such other places as it shall designate, for new Credit
Union employees or Credit Union employees needing additional training. Each
Credit Union shall be responsible for sending its employees to Certegy training
sessions as necessary for them to be fully trained to perform their
responsibilities in connection with utilization of the Services. For each area
of responsibility to be performed by one or more employees of a Credit Union,
that Credit Union shall send at least one employee who will be performing that
responsibility to training to be trained in that responsibility. Each Credit
Union shall have full responsibility for ensuring that its employees and other
representatives comply with all procedures set forth in Certegy" training

                                       12

<PAGE>

manual or other procedural manuals and literature provided to the Credit Union
at training sessions or otherwise from time to time, including without
limitation those pertaining to verification of the accuracy of account
confirmation cards sent by Certegy to the Credit Union and monitoring of
combined warning bulletins (collectively, the "Procedures") and shall indemnify,
defend, and hold harmless Certegy, its officers and directors, and its
successors and assigns from and against any and all liabilities, claims,
damages, losses or expenses, including reasonable attorneys' fees (collectively
"Claims") that result from, arise out of, or in connection with the failure of
an employee or other representative of that Credit Union to follow the
Procedures.

12. Responsibility for Counterfeit and Fraudulent Transactions. Each Credit
Union assumes financial responsibility for all VISA and MasterCard debit and
credit card transactions charged to its cardholder accounts, including but not
limited to counterfeit transactions and fraudulent transactions, and shall
indemnify and hold harmless CSCU, Certegy, their officers and directors, and
their successors and assigns against any and all Claims that result from, arise
out of, or in connection with such transactions, unless such Claims are caused
by Certegy's negligence, willful misconduct, or failure to perform in accordance
with the terms of this Agreement.

Mediation; Arbitration. 13.

13.1 The parties shall submit any dispute arising under section 1.2 to mediation
as administered by, and subject to the rules of, the Computer Law Committee of
The Florida Bar or such other mediation group mutually agreed to by the parties,
to attempt to resolve the dispute. Each party shall be responsible for its own
costs and attorneys' fees, if any, incurred during the mediation.

13.2 If mediation under section 13.1 does not result in a full settlement of the
dispute, then any matter described in section 1.2 that is disputed shall be
submitted to arbitration and decided in accordance with the Commercial
Arbitration Rules of the American Arbitration Association, in Tampa, Florida,
and the decision rendered by the arbitrators in connection with any such matter
shall be binding. In connection with any arbitration pursuant to this section,
the arbitrators shall have the discretion to determine whether either party is
the prevailing party and to allocate all or more than half of the responsibility
for the costs of the arbitration, plus responsibility for all or a portion of
the prevailing party's attorneys' fees, to the non-prevailing party. If no such
allocation is made, each party shall be responsible for half the costs of the
arbitration and that party's entire attorneys fees.

13.3 If either party initiates an action or proceeding at law or in equity that
should have been submitted for resolution under section(s) 13.1 or 13.2, then
the other party shall be entitled to recover from the party who initiated that
action or proceeding, its attorneys' fees and costs incurred in connection with
a motion to dismiss the action or proceeding on the grounds that it should have
been submitted for resolution under section(s) 13.1 or 13.2.

                                       13

<PAGE>

Termination. 14.

14.1 Events. This Agreement shall terminate on December 31, 2009, or on written
notice given from one party to the other after the occurrence of any one of the
following:

(i) the termination of Certegy's right or ability to perform the Services for
VISA or MasterCard accounts;

(ii) the failure of CSCU to obtain and maintain those BIN's and ICA's necessary
in order for the Credit Unions to use and share BIN's and ICA's maintained by
CSCU;

(iii) the discontinuance by either party of its performance of this Agreement
because of an order of an appropriate state or Federal court or regulatory body
to so discontinue its participation;

(iv) any affirmative act of insolvency by VISA or MasterCard or upon the filing
by VISA or MasterCard of any action under any reorganization, insolvency, or
Moratorium law, or upon the appointment of any receiver, trustee, or conservator
to take possession of the properties of VISA or MasterCard;

(v) subject to item (vi) below, the failure of either party to cure a material
breach of its obligations under this Agreement within thirty (30) days following
written notice of the breach from the other party; provided that if the breach
cannot reasonably be cured within thirty (30) days, the non-breaching party
shall not have the right to terminate this Agreement so long as the breaching
party promptly commences to cure the breach within thirty (30) days following
the notice of the breach and accomplishes the cure within ninety (90) days; or
the failure of Certegy to cure a Material Failure in accordance with section 4.
(vi)

14.2 Cooperation Following Termination. If CSCU gives Certegy written notice of
its decision to switch card processors following termination of this Agreement
for any reason, Certegy shall cooperate reasonably with CSCU to effect an
orderly transition of CSCU's operations to the new processor designated by CSCU.
In connection with the conversion of a Credit Union to another card processor,
either in connection with CSCU's decision to switch processors or otherwise,
Certegy shall (i) cooperate reasonably with the Credit Union to effect an
orderly conversion, which may include, but shall not necessarily be limited to,
performing those tasks set forth on Exhibit "D" and (ii) at the request of the
Credit Union, continue providing the Services to the Credit Union following
termination of its Credit Union Service Agreement until the conversion is
completed; provided that Certegy shall not be obligated to provide the Services
to that Credit Union beyond six (6) months following the effective date of such
termination.

14.3 Direct Processing Agreement. Following the resignation of each and every
Credit Union from CSCU, either during or following the term of this Agreement,
Certegy and that Credit Union shall have the right to contract with each other
directly, or indirectly through another association, for processing services.
Certegy shall not solicit any of the Credit Unions to

                                       14

<PAGE>

resign from CSCU and enter into a direct contract with Certegy for card
processing to commence prior to the termination of this Agreement or any
extension or renewal of this Agreement.

15. Services Provided by CSCU. CSCU shall be responsible for and assume all
liability for services it provides to the Credit Unions and which are not
required to be performed by Certegy under this Agreement.

16. Notices. Except as otherwise provided in this Agreement, any notice, demand,
or other communication required or desired to be given under this Agreement by
Certegy or CSCU or under a Credit Union Service agreement by Certegy or the
Credit Union shall be in writing and shall be deemed validly given forty-eight
(48) hours after its deposit in the first class United States mail, certified or
registered, postage prepaid, return receipt requested, or if given by other
means, upon receipt of delivery. A communication to Certegy or CSCU shall be
addressed or delivered to the appropriate party at its address set forth below:

To Certegy: Certegy Card Services, Inc.
11601 Roosevelt Boulevard
St. Petersburg, FL 33716
Attn: President
with a copy to the Certegy law department in St. Petersburg
To CSCU: Card Services for Credit Unions, Inc.
15950 Bay Vista Drive
Suite 170
Clearwater, FL 33760
Attn: President

A communication to a Credit Union shall be addressed or delivered to the address
shown on that Credit Union's Credit Union Service agreement. Either party or a
Credit Union may change its address for the receipt of notices, demands, or
other communications by giving notice of the change in accordance with this
section.

17. Indemnification. Certegy shall indemnify, defend and hold harmless CSCU,
CSCU employees, its officers and directors and its successors and assigns from
and against any and all Claims that result from, arise out of, or in connection
with Certegy's failure to perform in accordance with, or any breach by Certegy
of, its obligations under this Agreement or any Credit Union Service Agreement,
or any administrative or operating procedures or guidelines agreed to in writing
by both Certegy and CSCU from time to time. Certegy and each Credit Union shall
indemnify, defend and hold harmless the other party, the other party's officers
and directors, and the other party's successors and assigns from and against any
and all Claims that result from, arise out of, or in connection with the
indemnifying party's failure to perform in accordance with, or any breach by the
indemnifying party of, its obligations under this Agreement or the Credit Union
Service Agreement. In addition, Credit Union shall indemnify and hold harmless
Certegy, its officers, directors, successors, and assigns from and against any
and all Claims resulting from, arising out of, or in connection with the
performance, or nonperformance, of any vendor as contemplated by section 1.5 of
this Agreement.

                                       15

<PAGE>

18. Limitations on Damages. In any action by either party against the other, by
a Credit Union or Certegy against the other, or by CSCU or a Credit Union
against the other, neither party shall be liable to the other for consequential,
special, or exemplary damages; provided that in any action or actions by CSCU
and one or more Credit Unions against Certegy arising out of the same general
set of circumstances, Certegy may be liable for consequential damages not to
exceed Fifty Thousand Dollars ($50,000) to CSCU or any one Credit Union and Two
Hundred Fifty Thousand Dollars ($250,000) in the aggregate.

MasterCard/Visa Requirements. 19.

19.1 Use of Trademarks.

19.1.1 Certegy shall not use any of the MasterCard trademarks and/or Visa Card
Program Marks (collectively, the "Marks") on any material in connection with the
Service unless CSCU and/or its member, as the case may be, are prominently
identified by name and city adjacent to such Marks. All such material may not
identify Certegy unless Certegy is prominently identified as an agent or
representative of CSCU and/or its members, as the case may be.

19.1.2 Certegy shall have no authority to permit use of the Marks by any of
Certegy's agents.

19.2 Solicitation Material. Any solicitation material used by Certegy shall
disclose that the subsequent cardholder and/or merchant agreements are between
CSCU's member and the individual cardholder and/or merchant.

19.3 MasterCard Member Service Provider Requirements.

19.3.1 Certegy shall fully comply with all applicable MasterCard Bylaws and
Rules and any operational regulations, procedures or guidelines established from
time to time by MasterCard (collectively, the "Rules");

19.3.2 Certegy has registered with MasterCard as a Member Service Provider
("MSP") and has submitted a signed MSP Agreement to MasterCard;

19.3.3 Certegy shall lindemnify and hold harmless MasterCard, CSCU and its
members for any failure by Certegy to comply with the Rules, as amended from
time to time;

19.3.4 Certegy shall disclose to CSCU the identity and location of all of its
sales locations and any other MSP or independent party performing part or all of
the Services;

19.3.5 If there is any inconsistency between any provisions of the Agreement and
the Rules, the Rules in each instance shall apply.

                                       16

<PAGE>

19.3.6 The Agreement is terminable by CSCU in the event of a material breach by
Certegy of a Rule applicable to the Services as provided for in section 14.1(v)
of this Agreement.

19.4 Visa and MasterCard Risk Management And Reporting Requirements. Certegy
shall report to Visa and MasterCard that information which Visa and MasterCard
reasonably require from CSCU regarding the risk management reporting
requirements of Visa and MasterCard that pertain to the individual Credit
Unions. In the event that Visa and MasterCard materially modify what information
they require, Certegy shall also provide that additional information; provided,
however, if providing that additional information will require additional
programming or otherwise cause Certegy to incur significant costs, Certegy's
obligations to provide that additional information is subject to the mutual
written Agreement of the parties.

20. Applicable Law. This Agreement shall be governed by and construed in
accordance with the laws of the Sate of Florida.

21. Attorneys' Fees. If either party institutes an action or proceeding at law
or in equity, to enforce any provision of this Agreement, including an action
for declaratory relief or for damages, or otherwise in connection with this
Agreement, the prevailing party shall be entitled to recover from the losing
party its reasonable attorneys' fees and costs in connection with the action or
proceeding, including attorneys' fees and costs in appellate and bankruptcy
proceedings. Similarly, the prevailing party in an action or proceeding
involving Certegy and a Credit Union in connection with a credit Union Service
Agreement or otherwise in connection with the Services shall be entitled to its
reasonable attorneys' fees and costs.

22. Exhibits and Schedules. All Exhibits (B, B-1, B-2, C and D) and Schedules
(A, B, C, E, G, J, K, and L) attached to this Agreement are incorporated into
and made a part of this Agreement by this reference.

23. This Agreement. This Agreement, together with the attached Schedules and
Exhibits, supercedes all prior agreements, understandings, or representations of
the parties on this subject matter.

24. Severability. If there is any conflict between a provision of this Agreement
and any present or future law or regulation, the provision of this Agreement
that is affected shall be curtailed only to the extent necessary to bring it
within the requirements of the law or regulation, and the remaining provisions
shall remain in effect.

25. Non-Waiver. No waiver by a party of a breach of any provision of this
Agreement or of a Credit Union Service Agreement shall constitute a waiver of
any prior or subsequent breach of the same or any other provision of this
Agreement or any Credit Union Service Agreement.

26. Amendments. This Agreement shall not be amended except in writing signed by
both parties. The parties shall cooperate in promptly delivering a copy of any
amendments to the Credit Unions. Such delivery may be accomplished by either
delivering a hard copy of any amendment to the Credit Unions or providing notice
of any amendment in a bulletin delivered to

                                       17

<PAGE>

the affected Credit Unions and making actual copies of any amendment available
in a printable format on a website that is available to affected Credit Unions
and identified in the bulletin.

27. Authority. Each party to this Agreement, and each Credit Union signing a
Credit Union Service Agreement, represents and warrants that it has the full
right, power, legal capacity, and authority to enter into and perform its
obligations under this Agreement or the Credit Union Service agreement, as the
case may be, and that those obligations shall be binding without approval of any
other person or entity. Each person signing this Agreement on behalf of a party
and each person signing a Credit Union Service Agreement on behalf of a Credit
Union represents and warrants that he has the full right, power legal capacity,
and authority to sign that agreement on behalf of that party or Credit Union.

28. Quality Control Standards. In order to maintain quality service, telephone
communications with each Credit Union may be monitored and/or recorded without
any further notice or disclosure.

29. Certegy's systems shall remain capable of processing dates using four digit
fields for the year throughout the term of this Agreement.

30. Deconversion Fees. In addition to all other amounts owed Certegy, in the
event a Credit Union transfers all or a portion of its card base to another
processor, to an acquirer of Credit Union's accounts or to Credit Union's
internal systems for any reason whatsoever, Credit Union shall pay Certegy a
Deconversion Fee equal to $1.00 per account transferred, with a minimum total
charge of $5,000.00 and a maximum total charge of $50,000.00, for Certegy's
performance of the services required to effectuate the transfer of the accounts
from Certegy's processing platform.

31. Protection Against Employee Dishonesty. Certegy shall maintain Commercial
Crime, including Employee Dishonesty, insurance coverage in the amount of at
least five million dollars ($5,000,000.00) during the Term of this Agreement and
during any subsequent renewal terms to protect against losses by CSCU or Credit
Unions resulting from dishonesty of any Certegy Employee. Certegy shall
periodically provide proof of such coverage to CSCU.

CARD SERVICES FOR

CERTEGY CARD SERVICES, INC.             CREDIT UNIONS, INC.,
a Florida corporation                   a Florida corporation

By: /s/ Lee Kennedy                     By: /s/ Patrick McGrady
    ---------------------------------       ------------------------------------
    Name Lee Kennedy                        Name Patrick McGrady
    Title Chief Executive Officer           Title Chairman

                                       18
<PAGE>

              2004 RESTATED CSCU CARD PROCESSING SERVICE AGREEMENT

                                    EXHIBIT B

                     CERTEGY CREDIT UNION SERVICE AGREEMENT

                                                                  (CERTEGY LOGO)

<PAGE>

                     CERTEGY CREDIT UNION SERVICE AGREEMENT

     This Credit Union Service Agreement (this "Agreement") is made on
____________________, 20__ by and between Certegy Card Services, Inc., a Florida
corporation ("Certegy"), and ___________________________________________________
__________________________________________, a __________________________________
("Credit Union"). This Agreement sets forth the terms pursuant to which Certegy
will provide cardholder and/or merchant deposit services to Credit Union in
connection with Credit Union's Visa and/or MasterCard programs, which processing
services shall commence on the date mutually agreed to by the parties (the
"Processing Commencement Date").

     NOW. THEREFORE, in consideration of the mutual covenants contained in this
Agreement, the parties agree as follows:

     1. The Services. By this Agreement, Credit Union engages Certegy, and
Certegy agrees, to provide cardholder and/or merchant deposit services to Credit
Union, commencing on the Processing Commencement Date, in accordance with the
terms of this Agreement and the terms of that certain Restated CSCU Card
Processing Service Agreement, dated February 16, 1994, by and between Certegy
and Card Services for Credit Unions, Inc. ("CSCU"), as amended from time to
time. A copy of the Restated CSCU Service Agreement, as amended, is attached as
Exhibit "A" (the "CSCU Service Agreement") and is incorporated into this
Agreement by this reference. Credit Union acknowledges that it has read and
understands the terms of the CSCU Service Agreement and both parties agree to be
bound by all the terms contained in the CSCU Service Agreement as if both
parties were signatories to that Agreement.

     2. Representation of CSCU Membership. Credit Union represents and warrants
that it is a member of CSCU.

     3. Operating Rules and Procedures. Credit Union shall comply with and abide
by those reasonable operating rules and procedures promulgated from time to time
by CSCU, Certegy, and Visa and/or MasterCard.

     4. *[This Section has been omitted in its entirety and filed separately
with the Securities and Exchange Commission as part of an application for
confidential treatment pursuant to the Securities Exchange Act of 1934, as
amended.]

     5. *[This Section has been omitted in its entirety and filed separately
with the Securities and Exchange Commission as part of an application for
confidential treatment pursuant to the Securities Exchange Act of 1934, as
amended.]

     6. Entire Agreement. This Agreement, together with Exhibit "A" attached,
constitutes the entire understanding of the parties with respect to the subject
matter of this Agreement.

     7. Amendments. This Agreement shall not be amended except in writing signed
by both parties and unless CSCU shall consent in writing to such amendment;
provided, however, that any amendments to the CSCU Service Agreement made in
accordance with the CSCU Service Agreement shall be effective with respect to
Certegy and Credit Union concurrently with the effectiveness of that amendment.
Certegy and CSCU have agreed to promptly deliver to Credit Union a copy of any
amendments to the CSCU Service Agreement.

     8. Notices. Any notices desired to be given in connection with this
Agreement shall be given in the manner vided for in the CSCU Service Agreement.

                                                                 (CERTEGY LOGO)
<PAGE>

     9. Applicable Law. This Agreement shall be governed by and construed in
accordance with the laws of the State of Florida.

     10. Attorney's Fees. If either party institutes an action or proceeding at
law or in equity to enforce any provision of this Agreement or otherwise in
connection with this Agreement, the prevailing party shall be entitled to
recover its reasonable attorney's fees and costs.

     11. Beneficiary. CSCU shall be a third-party beneficiary to this Agreement.

IN WITNESS WHEREOF, the parties have executed this Agreement as of the date
first above written.

CERTEGY CARD SERVICES, INC.                ------------------------------------
a Florida corporation
                                           ------------------------------------

By:
    ----------------------------------     By: --------------------------------

--------------------------------------     ------------------------------------
Name and Title                             Name and Title

11601 Roosevelt Boulevard                  ------------------------------------
St. Petersburg, FL 33716                   Address
727/556-9000
                                           ------------------------------------
     ("Certegy")                           City, State and Zip

                                           ------------------------------------
                                           Area Code and Phone No.

                                                ("Credit Union")

                                                                 (CERTEGY LOGO)

                                        2
<PAGE>

(CERTEGY LOGO)

              2004 RESTATED CSCU CARD PROCESSING SERVICE AGREEMENT

                                   EXHIBIT B-1

                     CERTEGY CREDIT UNION SERVICE AGREEMENT

<PAGE>

                                          CERTEGY CREDIT UNION SERVICE AGREEMENT

     This Credit Union Service Agreement ("Agreement") is made as of ________,
20___ (the "Effective Date") by and between Certegy Card Services, Inc., a
Florida corporation, f/k/a Equifax Card Services, Inc., ("Certegy"), and
__________________ Credit Union ("Credit Union"). This Agreement sets forth the
terms pursuant to which Certegy will provide processing services to Credit Union
for its Visa and/or MasterCard programs, and supercedes and replaces the prior
agreements between the parties.

     NOW, THEREFORE, in consideration of the mutual covenants contained in this
Agreement, the parties agree as follows:

1. Services. Credit Union engages Certegy to provide the card processing
services described in Schedule(s) _____ (the "Schedules") to the Restated CSCU
Card Processing Service Agreement effective January 1, 2004 ("CSCU Agreement")
by and between Certegy and Card Services for Credit Unions, Inc. ("CSCU"), as
restated and amended (the "Services"). Certegy exclusively will provide the
Services for all of Credit Union's __________ card accounts ("Accounts") in
accordance with the terms of the CSCU Agreement as modified by this Agreement.
Credit Union acknowledges that it has received a copy and understands the terms
of the CSCU Agreement and agrees to be bound by its terms. Capitalized terms not
defined in this Agreement shall have the meaning given to them in the CSCU
Agreement, if any.

2. Representation of CSCU Membership. Credit Union represents and warrants that
it is a member of CSCU.

3. Operating Rules and Procedures. Credit Union shall comply with and abide by
those reasonable operating rules and procedures promulgated from time to time by
CSCU, Certegy, Visa and MasterCard.

4. *[This Section has been omitted in its entirety and filed separately with the
Securities and Exchange Commission as part of an application for confidential
treatment pursuant to the Securities Exchange Act of 1934, as amended.]

5. *[This Section has been omitted in its entirety and filed separately with the
Securities and Exchange Commission as part of an application for confidential
treatment pursuant to the Securities Exchange Act of 1934, as amended.]

6. Taxes. Credit Union shall be liable for all taxes, except Certegy's income
taxes, that Certegy must collect or pay on products and Services provided under
this Agreement.

7. Amendments. This Agreement shall only be amended by a writing signed by both
parties; provided, however, that any amendments to the CSCU Agreement made in
accordance with the CSCU Agreement shall be effective with respect to Certegy
and Credit Union concurrently with the effectiveness of that amendment. Certegy
and CSCU have agreed to promptly deliver to Credit Union a copy of any
amendments to the CSCU Agreement.

8. Notices. Any notices in connection with this Agreement shall be given in the
manner provided for in the CSCU Agreement.

9. Applicable Law. The laws of the State of Florida shall govern this Agreement.
Venue for any action brought by a party under this agreement shall be in a court
of competent jurisdiction in Pinellas County, Florida.

<PAGE>

10. Beneficiary. CSCU shall be a third-party beneficiary to this Agreement.

11. Entire Agreement. This Agreement, together with the Schedules and the CSCU
Agreement, constitutes the entire understanding of the parties with respect to
this subject matter. In the event of a conflict between the provisions of this
Agreement and the CSCU Agreement, the provisions of this Agreement shall govern.

12. Survival. The respective rights and obligations of the parties under this
Agreement that by their nature continue beyond termination or expiration of this
Agreement, including without limitation those contained in section 9 shall
survive the termination or expiration of this Agreement.

IN WITNESS WHEREOF, the parties have executed this Agreement by their
undersigned duly authorized officers.

TYPE CREDIT UNION'S NAME HERE            CERTEGY CARD SERVICES, INC.

By:                                      By:
    ----------------------------------        ---------------------------------
    Officer Signature                         Officer Signature

--------------------------------------   --------------------------------------
Print Name and Title                     Print Name and Title

--------------------------------------   --------------------------------------
Date                                      Date

Type Number And Street                    11601 Roosevelt Blvd
Type City/State/Zip                       St. Petersburg, Florida 33716

Type Telephone                            727-556-9000

<PAGE>

              2004 RESTATED CSCU CARD PROCESSING SERVICE AGREEMENT

                                   EXHIBIT B-2

                     CERTEGY CREDIT UNION SERVICE AGREEMENT

<PAGE>

                                          CERTEGY CREDIT UNION SERVICE AGREEMENT

     This Credit Union Service Agreement ("Agreement") is made as of __________,
200___ (the "Effective Date") by and between Certegy Card Services, Inc., a
Florida corporation, f/k/a Equifax Card Services, Inc., ("Certegy"), and
____________ Credit Union ("Credit Union"). This Agreement sets forth the terms
pursuant to which Certegy will provide processing services to Credit Union for
its Visa and/or MasterCard programs, and supercedes and replaces the prior
agreements between the parties.

     NOW, THEREFORE, in consideration of the mutual covenants contained in this
Agreement, the parties agree as follows:

1. Services. Credit Union engages Certegy to provide the card processing
services described in Schedule(s) _____ (the "Schedules") to the Restated CSCU
Card Processing Service Agreement effective January 1, 2004 ("CSCU Agreement")
by and between Certegy and Card Services for Credit Unions, Inc. ("CSCU"), as
restated and amended (the "Services"). Certegy exclusively will provide the
Services for all of Credit Union's ___________ card accounts ("Accounts") in
accordance with the terms of the CSCU Agreement as modified by this Agreement.
Credit Union acknowledges that it has received a copy and understands the terms
of the CSCU Agreement and agrees to be bound by its terms. Capitalized terms not
defined in this Agreement shall have the meaning given to them in the CSCU
Agreement, if any.

2. Representation of CSCU Membership. Credit Union represents and warrants that
it is a member of CSCU.

3. Operating Rules and Procedures. Credit Union shall comply with and abide by
those reasonable operating rules and procedures promulgated from time to time by
CSCU, Certegy, Visa and/or MasterCard.

4. *[This Section has been omitted in its entirety and filed separately with the
Securities and Exchange Commission as part of an application for confidential
treatment pursuant to the Securities Exchange Act of 1934, as amended.]

5. Intentionally left blank.

6. Intentionally left blank.

7. Intentionally left blank.

8. *[This Section has been omitted in its entirety and filed separately with the
Securities and Exchange Commission as part of an application for confidential
treatment pursuant to the Securities Exchange Act of 1934, as amended.]

9. Compliance.

     9.1 Sample Forms. As a convenience to Credit Union, Certegy may provide
samples of applicable terms and conditions of card issuance and use, required
Federal Truth-In-Lending disclosures, Regulation E and Z billing error
resolution, disclosures, and other items (collectively, "Sample Forms"). SUCH
SAMPLE FORMS ARE PROVIDED WITH NO EXPRESS OR IMPLIED REPRESENTATION OR WARRANTY
WHATSOEVER, INCLUDING THEIR COMPLIANCE WITH APPLICABLE LAW OR THEIR
APPROPRIATENESS FOR USE BY CREDIT UNION. Credit Union shall be responsible to
approve all Sample Forms for its own use. All other disclosures and forms,
including card application forms and notices of credit card approval and denial,
shall be prepared by and be the full responsibility of Credit Union. Credit
Union's license to use the Sample Forms terminates upon termination of the
Agreement.

     9.2 Credit Union's Responsibilities. Credit Union shall be solely
responsible for compliance with all laws, rules, fees and regulations applicable
to all aspects of the operations of its VISA and/or MasterCard programs,
including all VISA and MasterCard rules, fees and regulations, usury laws, the
Truth-In-Lending Act, Fair Credit Reporting Act, Equal Credit Opportunity Act,
Electronic Funds Transfer Act, all rules and regulations promulgated under such
Acts, and all state laws and regulations. Credit Union acknowledges that it
possesses a copy of the VISA and MasterCard bylaws, rules, and regulations or it
knows that it may receive a copy of each

                                       1

<PAGE>

by requesting them in writing from VISA and MasterCard or Certegy and paying the
applicable fees.

     9.3 Certegy's Responsibilities. Certegy shall provide its Services in
compliance with all VISA and MasterCard rules and all laws and regulations
applicable to it as a third-party processor.

10. *[This Section has been omitted in its entirety and filed separately with
the Securities and Exchange Commission as part of an application for
confidential treatment pursuant to the Securities Exchange Act of 1934, as
amended.]

11. Confidentiality.

     11.1 Confidential Information Defined. All of a party's business and
customer information, whether in the form of reports, plans, customer lists,
data, documents, drawings, writings, samples, know-how, marketing strategies,
business operations and business systems, or other proprietary material, shall
be considered "Confidential Information." In addition, the Schedules shall be
Certegy's Confidential Information. Non-public financial information that is
personally identifiable to a customer or member of Credit Union (referenced in
the Gramm-Leach-Bliley Act of 1999 as "Non-public Personal Information" or
"NPI") shall be treated as Confidential Information whether it is received
directly from Credit Union, through VISA or MasterCard or from another third
party. For purposes of this section, Confidential Information shall not include
information that becomes available to the public through no wrongful action of
the receiving party, is already in the possession of the receiving party and not
subject to an existing agreement of confidentiality between the parties, is
received from a third party without restriction and without breach of this
Agreement, is independently developed by the receiving party, or is disclosed
pursuant to a requirement or request from a government agency.

     11.2 Protecting Confidential Information. The parties shall not use or
disclose Confidential Information other than as required to perform their
obligations under this Agreement. Each party shall use the same degree of care
to protect the other party's Confidential Information as it uses to safeguard
its own, and shall establish procedural, physical and electronic safeguards to
prevent the compromise or unauthorized disclosure of Confidential Information.
Each party shall restrict access to Confidential Information to those employees
and persons in the receiving party's organization with a need to know such
Confidential Information in order to perform their obligations under this
Agreement. Such employees and persons shall be under the same obligations as the
parties regarding such Confidential Information. To the extent Certegy retains
third party vendors to assist it in performing its duties under this Agreement,
it shall first require such vendor similarly to protect and restrict the use of
Confidential Information. Notwithstanding the foregoing, the parties shall be
free to disclose the tax treatment or tax structure of any transaction under
this Agreement. Confidential Information shall remain the property of the party
from or through whom it was provided. The obligations of the parties hereunder
shall survive the termination of this Agreement.

12. Annual Financial Review. Each year at Credit Union's written request Certegy
shall provide to Credit Union a copy of the most recent annual report of its
publicly held parent corporation and a copy of the most recent third party
auditors' review and report on the design and compliance test of Certegy's card
processing system (SAS 70).

13. Inspections and Audits.

     13.1 Inspection by Credit Union. On reasonable notice and on presentation
of written authorization from Credit Union, Credit Union's representatives shall
have the right, during normal business hours and at Credit Union's expense, to
inspect and audit information and records in Certegy's possession pertaining to
this Agreement; provided that: (i) any such notice shall specify the scope of
the inspection or audit; and (ii) Certegy shall have the right to receive and
comment on any report prepared by any external representative engaged by Credit
Union in connection with any such inspection or audit prior to its dissemination
to Credit Union or any other parties.

     13.2. Government Inspection. Certegy shall permit those governmental
agencies that regulate and examine Credit Union to examine Certegy and its books
and records to the same extent as if the Services were being performed by Credit
Union on its own premises.

14. *[This Section has been omitted in its entirety and filed separately with
the Securities and Exchange Commission

                                       2

<PAGE>

as part of an application for confidential treatment pursuant to the Securities
Exchange Act of 1934, as amended.]

15. Taxes. Credit Union shall be liable for all taxes, except Certegy's income
taxes that Certegy must collect or pay on products and Services provided under
this Agreement.

16. Amendments. This Agreement shall only be amended by a writing signed by both
parties; provided, however, that any amendments to the CSCU Agreement made in
accordance with the CSCU Agreement shall be effective with respect to Certegy
and Credit Union concurrently with the effectiveness of that amendment. Certegy
and CSCU have agreed to promptly deliver to Credit Union a copy of any
amendments to the CSCU Agreement.

17. Notices. Any notices in connection with this Agreement shall be given in the
manner provided for in the CSCU Agreement.

18. Applicable Law. The laws of the State of Florida shall govern this
Agreement. Venue for any action brought by a party under this agreement shall be
in a court of competent jurisdiction in Pinellas County, Florida.

19. Beneficiary. CSCU shall be a third-party beneficiary to this Agreement.

20. Entire Agreement. This Agreement, together with the Schedules and the CSCU
Agreement constitutes the entire understanding of the parties with respect to
this subject matter. In the event of a conflict between the provisions of this
Agreement and the CSCU Agreement, the provisions of this Agreement shall govern.

21. Survival. The respective rights and obligations of the parties under this
Agreement that by their nature continue beyond termination or expiration of this
Agreement, including without limitation those contained in sections 10, 11, 14.3
and 18, shall survive the termination or expiration of this Agreement.

IN WITNESS WHEREOF, the parties have executed this Agreement by their
undersigned duly authorized officers.

TYPE CREDIT UNION'S NAME HERE            CERTEGY CARD SERVICES, INC.

By:                                      By:
    ---------------------------------        ----------------------------------
    Officer Signature                        Officer Signature

-------------------------------------    --------------------------------------
Print Name and Title                     Print Name and Title

-------------------------------------    --------------------------------------
Date                                     Date

Type Number And Street                   11601 Roosevelt Boulevard
Type City/State/Zip                      St. Petersburg, Florida 33716

Type Telephone                           727-556-9000

                                       3

<PAGE>

                                    EXHIBIT C
          2004 RESTATED CSCU CARD PROCESSING SERVICE AGREEMENT BETWEEN
      CARD SERVICES FOR CREDIT UNIONS, INC. AND CERTEGY CARD SERVICES, INC.

                            QUALITY CONTROL STANDARDS

[This Exhibit has been omitted in its entirety and filed separately with the
Securities and Exchange Commission as part of an application for confidential
treatment pursuant to the Securities Exchange Act of 1934, as amended.]

<PAGE>

                                    EXHIBIT D
          2004 RESTATED CSCU CARD PROCESSING SERVICE AGREEMENT BETWEEN
      CARD SERVICES FOR CREDIT UNIONS, INC. AND CERTEGY CARD SERVICES, INC.

                                CONVERSION ITEMS

[This Exhibit has been omitted in its entirety and filed separately with the
Securities and Exchange Commission as part of an application for confidential
treatment pursuant to the Securities Exchange Act of 1934, as amended.]

<PAGE>

                                   SCHEDULE A
          2004 RESTATED CSCU CARD PROCESSING SERVICE AGREEMENT BETWEEN
      CARD SERVICES FOR CREDIT UNIONS, INC. AND CERTEGY CARD SERVICES, INC.

                        FULL SERVICE CREDIT CARD SERVICES

[This Schedule has been omitted in its entirety and filed separately with the
Securities and Exchange Commission as part of an application for confidential
treatment pursuant to the Securities Exchange Act of 1934, as amended.]

<PAGE>

                                   SCHEDULE B
          2004 RESTATED CSCU CARD PROCESSING SERVICE AGREEMENT BETWEEN
      CARD SERVICES FOR CREDIT UNIONS, INC. AND CERTEGY CARD SERVICES, INC.

                   SELF ADMINISTERED CREDIT CARD PROGRAM FEES

[This Schedule has been omitted in its entirety and filed separately with the
Securities and Exchange Commission as part of an application for confidential
treatment pursuant to the Securities Exchange Act of 1934, as amended.]

<PAGE>

                                   SCHEDULE C
          2004 RESTATED CSCU CARD PROCESSING SERVICE AGREEMENT BETWEEN
      CARD SERVICES FOR CREDIT UNIONS, INC. AND CERTEGY CARD SERVICES, INC.

               PRICE LIST FOR DIRECT PROCESSING MERCHANT SERVICES

[This Schedule has been omitted in its entirety and filed separately with the
Securities and Exchange Commission as part of an application for confidential
treatment pursuant to the Securities Exchange Act of 1934, as amended.]

<PAGE>

                                   SCHEDULE E
          2004 RESTATED CSCU CARD PROCESSING SERVICE AGREEMENT BETWEEN
      CARD SERVICES FOR CREDIT UNIONS, INC. AND CERTEGY CARD SERVICES, INC.

    IN-HOUSE/PASS THROUGH SERVICES AND FEES FOR DEBIT, ATM AND CREDIT CARDS

[This Schedule has been omitted in its entirety and filed separately with the
Securities and Exchange Commission as part of an application for confidential
treatment pursuant to the Securities Exchange Act of 1934, as amended.]

<PAGE>

                                   SCHEDULE G
          2004 RESTATED CSCU CARD PROCESSING SERVICE AGREEMENT BETWEEN
      CARD SERVICES FOR CREDIT UNIONS, INC. AND CERTEGY CARD SERVICES, INC.

                  COMMERCIAL CARD PROCESSING SERVICES AND FEES

[This Schedule has been omitted in its entirety and filed separately with the
Securities and Exchange Commission as part of an application for confidential
treatment pursuant to the Securities Exchange Act of 1934, as amended.]

<PAGE>

                                  SCHEDULE J
          2004 RESTATED CSCU CARD PROCESSING SERVICE AGREEMENT BETWEEN
      CARD SERVICES FOR CREDIT UNIONS, INC. AND CERTEGY CARD SERVICES, INC.

                 STORED VALUE AND PROCESSING SERVICES AND FEES

[This Schedule has been omitted in its entirety and filed separately with the
Securities and Exchange Commission as part of an application for confidential
treatment pursuant to the Securities Exchange Act of 1934, as amended.]

<PAGE>

                The Agreement only refers and has one Exhibit J
<PAGE>

                                   SCHEDULE K
          2004 RESTATED CSCU CARD PROCESSING SERVICE AGREEMENT BETWEEN
      CARD SERVICES FOR CREDIT UNIONS, INC. AND CERTEGY CARD SERVICES, INC.

       SERVICES AND FEES FOR BASE2000 FULL SERVICE CREDIT CARD PROCESSING

[This Schedule has been omitted in its entirety and filed separately with the
Securities and Exchange Commission as part of an application for confidential
treatment pursuant to the Securities Exchange Act of 1934, as amended.]

<PAGE>

                                   SCHEDULE L
          2004 RESTATED CSCU CARD PROCESSING SERVICE AGREEMENT BETWEEN
      CARD SERVICES FOR CREDIT UNIONS, INC. AND CERTEGY CARD SERVICES, INC.

     SERVICES AND FEES FOR SELF ADMINISTERED BASE2000 CREDIT CARD PROGRAMS

[This Schedule has been omitted in its entirety and filed separately with the
Securities and Exchange Commission as part of an application for confidential
treatment pursuant to the Securities Exchange Act of 1934, as amended.]<PAGE>

                                                                   EXHIBIT 10.7

                                  CERTEGY INC.

                 SPECIAL SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN

                   ARTICLE I - INTRODUCTION AND ESTABLISHMENT

     THIS SPECIAL SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN (the "Plan"),
maintained by Certegy Inc., a Georgia corporation, (the "Company"), is
established for the benefit of executive officers of the Company whose ability
to participate in an equity split-dollar life insurance program has been limited
by the Sarbanes-Oxley Act of 2002. The Plan is effective as of November 7, 2003.

                            ARTICLE II - DEFINITIONS

     When used in this Plan, the following terms shall have the meanings set
forth below unless a different meaning is plainly required by the context:

     2.1 BOARD. "Board" shall mean the Board of Directors of the Company.

     2.2 CAUSE. "Cause" shall mean termination by the Company of the
Participant's employment upon any one of the following circumstances:

          (a) the Participant's willful and continued failure to substantially
     perform the Participant's duties with the Company (other than any failure
     resulting from the Participant's incapacity due to physical or mental
     illness, including being Permanently Disabled), after a written demand for
     substantial performance is delivered to the Participant by the Chief
     Executive Officer of the Company (or if the Participant is the Chief
     Executive Officer, the Chairman of the Compensation and Human Resources
     Committee of the Board of Directors) that specifically identifies the
     manner in which the Chief Executive Officer (or the Chairman) believes that
     the Participant has not substantially performed the Participant's duties,
     or

          (b) the Participant willfully engaging in conduct that is materially
     injurious to the Company, monetarily or otherwise.

     For purposes of this Section 2.2, no act, or failure to act, on the
Participant's part will be considered "willful" unless done, or omitted to be
done, by the Participant not in good faith and without reasonable belief that
the Participant's action or omission was in the best interest of the Company.
Notwithstanding the above, the Participant will not be deemed to have been
terminated for Cause unless and until the Participant has been given a copy of a
Notice of Termination from the Chief Executive Officer of the Company (or if the
Participant is the Chief Executive Officer, the Chairman of the Compensation and
Human Resources Committee of the Board of Directors), after reasonable notice to
the Participant and an opportunity for the Participant, together with the
Participant's counsel, to be heard before (i) the Chief Executive Officer, or
(ii) if the Participant is an elected officer of the Company, the Board of
Directors of the Company, finding that in the good faith opinion of the Chief
Executive Officer, or, in the

<PAGE>

case of an elected officer, finding that in the good faith opinion of two-thirds
of the Board of Directors, the Participant committed the conduct set forth above
in clauses (a) or (b) of this Section 2.2, and specifying the particulars of
that finding in detail.

     2.3 CHANGE IN CONTROL. "Change in Control" shall mean the occurrence of any
one of the following events during the period in which the Plan remains in
effect:

          (a) Voting Stock Accumulations. The accumulation by any Person of
     Beneficial Ownership of twenty percent (20%) or more of the combined voting
     power of the Company's Voting Stock; provided that for purposes of this
     paragraph (a), a Change in Control will not be deemed to have occurred if
     the accumulation of twenty percent (20%) or more of the voting power of the
     Company's Voting Stock results from any acquisition of Voting Stock (i)
     directly from the Company that is approved by the Incumbent Board, (ii) by
     the Company, (iii) by any employee benefit plan (or related trust)
     sponsored or maintained by the Company or any Subsidiary, or (iv) by any
     Person pursuant to a Business Combination that complies with all of the
     provisions of clauses (i), (ii) and (iii) of paragraph (b) below,

          (b) Business Combinations. The consummation of a Business Combination,
     unless, immediately following that Business Combination, (i) all or
     substantially all of the Persons who were the beneficial owners of Voting
     Stock of the Company immediately prior to that Business Combination
     beneficially own, directly or indirectly, more than sixty-six and
     two-thirds percent (66 2/3%) of the then outstanding shares of common stock
     and the combined voting power of the then outstanding voting securities
     entitled to vote generally in the election of directors of the entity
     resulting from that Business Combination (including an entity that as a
     result of that transaction owns the Company or all or substantially all of
     the Company's assets either directly or through one or more subsidiaries)
     in substantially the same proportions relative to each other as their
     ownership, immediately prior to that Business Combination, of the Voting
     Stock of the Company, (ii) no Person (other than the Company, that entity
     resulting from that Business Combination, or any employee benefit plan (or
     related trust) sponsored or maintained by the Company, any Eighty Percent
     (80%) Subsidiary or that entity resulting from that Business Combination)
     beneficially owns, directly or indirectly, twenty percent (20%) or more of
     the then outstanding shares of common stock of the entity resulting from
     that Business Combination or the combined voting power of the then
     outstanding voting securities entitled to vote generally in the election of
     directors of that entity, and (iii) at least a majority of the members of
     the Board of Directors of the entity resulting from that Business
     Combination were members of the Incumbent Board at the time of the action
     of the board providing for that Business Combination;

          (c) Sale of Assets. A sale or other disposition of all or
     substantially all of the assets of the Company; or

          (d) Liquidations or Dissolutions. Approval by the shareholders of the
     Company of a complete liquidation or dissolution of the Company, except
     pursuant to a Business Combination that complies with all of the provisions
     of clauses (i), (ii) and (iii) of paragraph (b) above.

                                       2

<PAGE>

For purposes of this Section 2.3, the following definitions will apply:

          "Beneficial Ownership" means beneficial ownership as that term is used
     in Rule 13d-3 promulgated under the Exchange Act.

          "Business Combination" means a reorganization, merger or consolidation
     of the Company.

          "Eighty Percent (80%) Subsidiary" means an entity in which the Company
     directly or indirectly beneficially owns eighty percent (80%) or more of
     the outstanding Voting Stock.

          "Exchange Act" means the Securities Exchange Act of 1934, including
     amendments, or successor statutes of similar intent.

          "Incumbent Board" means a Board of Directors at least a majority of
     whom consist of individuals who either are (a) members of the Company's
     Board of Directors as of the day after the spinoff of the Company from
     Equifax Inc. became effective, or (b) members who became members of the
     Company's Board of Directors subsequent to such date whose election, or
     nomination for election by the Company's shareholders, was approved by a
     vote of at least two-thirds (2/3) of the directors then comprising the
     Incumbent Board (either by a specific vote or by approval of the proxy
     statement of the Company in which that person is named as a nominee for
     director, without objection to that nomination), but excluding, for that
     purpose, any individual whose initial assumption of office occurs as a
     result of an actual or threatened election contest (within the meaning of
     Rule 14a-11 of the Exchange Act) with respect to the election or removal of
     directors or other actual or threatened solicitation of proxies or consents
     by or on behalf of a Person other than the Board of Directors.

          "Person" means any individual, entity or group (within the meaning of
     Section 13(d)(3) or 14(d)(2) of the Exchange Act).

          "Voting Stock" means the then outstanding securities of an entity
     entitled to vote generally in the election of members of that entity's
     Board of Directors.

     2.4 COMMENCEMENT DATE. "Commencement Date" with respect to each Participant
shall mean the "Commencement Date" as provided in Section 2.1 of the Split
Dollar Plan.

     2.5 COMPETITIVE ACTIVITY. A Participant or former Participant shall be
deemed to engage in "Competitive Activity" if he or she:

          (a) directly or indirectly owns, operates, controls, participates in,
     performs services for, or otherwise carries on, a business substantially
     similar to or competitive with the business conducted by the Company or any
     Subsidiary (without limit to any particular region, because Participant
     acknowledges that such business may be engaged in effectively from any
     location in the United States or Canada); provided that nothing set forth
     in this paragraph (a) will prohibit a Participant from owning not in excess
     of 5% of any class of capital stock of any corporation if such stock is
     publicly traded and listed on any national or regional stock exchange or on
     the Nasdaq Stock Market;

                                       3

<PAGE>

          (b) directly or indirectly attempts to persuade any employee or
     customer of the Company or any Subsidiary to terminate such employment or
     business relationship in order to enter into any such relationship on
     behalf of the Participant or any third party in competition with the
     business conducted by the Company or any Subsidiary; or

          (c) directly or indirectly engages in any activity that is harmful to
     the interests of the Company or any Subsidiary, as determined by the
     Compensation and Human Resources Committee in its sole discretion,
     including the disclosure or misuse of any confidential information or trade
     secrets of the Company or a Subsidiary.

     2.6 EARLY BENEFIT. "Early Benefit" shall have the meaning provided in
Section 4.8.

     2.7 ERISA. "ERISA" shall mean the Employee Retirement Income Security Act
of 1974, as amended.

     2.8 EXECUTIVE OFFICER. "Executive Officer" shall mean an officer of the
Company who the Plan Administrator determines, in an exercise of the Plan
Administrator's discretion, to be an executive officer within the meaning of the
Sarbanes-Oxley Act of 2002.

     2.9 GOOD REASON. "Good Reason" shall mean a termination by the Participant
of the Participant's employment within the period of time beginning six (6)
months prior to a Change in Control and ending on the third anniversary of such
Change in Control and based on:

          (a) The assignment to the Participant of duties inconsistent with the
     Participant's position and status with the Company as they existed
     immediately prior to the Change in Control, or a substantial change in the
     Participant's title, offices or authority, or in the nature of the
     Participant's responsibilities, as they existed immediately prior to the
     Change in Control, except in connection with the termination of the
     Participant's employment by the Company for Cause, by the Participant other
     than for Good Reason or as a result of death;

          (b) A reduction by the Company in the Participant's base salary as in
     effect on the Commencement Date or as the Participant's salary may be
     increased from time to time;

          (c) A failure by the Company to continue the Company's incentive
     compensation plan(s), as it may be modified from time to time,
     substantially in the form in effect immediately prior to a Change in
     Control (the "Incentive Plan"), or a failure by the Company to continue the
     Participant as a participant in the Incentive Plan on at least the basis of
     the Participant's participation immediately prior to a Change in Control,
     or to pay the Participant the amounts that the Participant would be
     entitled to receive in accordance with the terms of the Incentive Plan (as
     in effect immediately prior to the Change in Control);

                                       4

<PAGE>

          (d) The Company requiring the Participant to be based more than
     thirty-five (35) miles from the location where the Participant is based
     prior to the Change in Control, except for required travel on Company
     business to an extent substantially consistent with the Participant's
     business travel obligations immediately prior to the Change in Control; or
     if the Participant consents to the relocation, the failure by the Company
     to pay (or reimburse the Participant for) all reasonable moving expenses
     incurred by the Participant or to indemnify the Participant against any
     loss realized on the sale of the Participant's principal residence in
     connection with the relocation;

          (e) The failure by the Company to continue in effect any retirement
     plan, compensation plan, performance share plan, stock option plan, life
     insurance plan, health and accident plan, disability plan or another
     benefit plan in which the Participant is participating immediately prior to
     a Change in Control (except that the Company may cancel any such plans
     without triggering this paragraph (e), if it provides the Participant with
     substantially similar benefits under another plan), the taking of any
     action by the Company that would adversely affect the Participant's
     participation or materially reduce the Participant's benefits under any
     such plans or deprive the Participant of any material fringe benefit
     enjoyed by the Participant immediately prior to a Change in Control, or the
     failure by the Company to provide the Participant with the number of paid
     vacation days to which the Participant is then entitled in accordance with
     the Company's normal vacation practices in effect immediately prior to a
     Change in Control; or

          (f) Any purported termination not effected pursuant to a Notice of
     Termination shall not be valid for purposes of this Plan.

     2.10 NOTICE OF TERMINATION. A "Notice of Termination" shall mean a written
notice that indicates the specific provision in the definition of Cause relied
upon as the basis for the Participant's termination of employment and setting
forth in reasonable detail the facts and circumstances claimed to provide a
basis for the termination of Participant's employment under the provision so
indicated.

     2.11 PARTICIPANT. "Participant" shall mean any eligible Executive Officer
who is listed on Schedule A, has satisfied the requirements for participation in
this Plan and has a Participant Interest.

     2.12 PARTICIPANT INTEREST. "Participant Interest" shall mean the amount
reflected in records maintained by the Plan Administrator to determine each
Participant's interest, if any, under this Plan. Such Participant Interest shall
be reflected as an entry in the Company's records.

     2.13 PAYMENT EVENT. "Payment Event" shall have the meaning provided in
Section 4.7.

     2.14 PERMANENTLY DISABLED. "Permanently Disabled" shall mean the
Participant suffering a sickness, accident or injury, which in the determination
of the Plan Administrator would entitle the Participant to disability benefits
under either social security or the Company's long-term disability plan. The
Company reserves the right to require the Participant to first qualify for
disability benefits under either social security or the Company's long-term
disability plan before determining whether such Participant is Permanently
Disabled for purposes of this Plan.

                                       5

<PAGE>

     2.15 PLAN. "Plan" shall mean the Certegy Inc. Special Supplemental
Executive Retirement Plan, as it may be amended from time to time.

     2.16 PLAN ADMINISTRATOR. "Plan Administrator" shall mean the Compensation
and Human Resources Committee of the Board, or its designee or designees. The
Plan Administrator shall be the named fiduciary under the Plan.

     2.17 RETIREMENT. "Retirement" shall mean a Participant's termination of
employment with the Company and all affiliates after (a) attaining age 65, (b)
attaining age 55 and five "Years of Vesting Service," or (c) attaining age 50
and the Participant's age plus his or her "Years of Benefit Service" equals at
least 75. "Years of Vesting Service" and "Years of Benefit Service" shall have
the meanings given to them in the Certegy Inc. U.S. Retirement Income Plan.

     2.18 ROLLOUT EVENT. "Rollout Event" shall have the meaning provided in
Section 4.4.

     2.19 SPLIT DOLLAR PLAN. "Split Dollar Plan" shall mean the Certegy Inc.
Executive Life and Supplemental Retirement Benefit Plan, as amended and restated
effective ____________, 2003, as amended from time to time.

     2.20 SUBSIDIARY. "Subsidiary" shall mean an entity more than fifty percent
(50%) of whose equity interests are owned directly or indirectly by the Company.

     2.21 VALUATION DATE. "Valuation Date" shall mean any date(s) selected by
the Plan Administrator in its sole discretion as of which the Participants'
Participant Interests are valued.

     2.22 VESTING. "Vesting" shall mean when a Participant becomes vested under
the Plan in accordance with Section 4.2

                          ARTICLE III - PARTICIPATION

     3.1 ELIGIBILITY AND PARTICIPATION. Each Executive Officer who has been
authorized to enter into a Split-Dollar Life Insurance Agreement (Endorsement
Non-Equity Method) by the Plan Administrator (but not by any designee thereof)
or the Company's Chief Executive Officer shall be eligible to participate in the
Plan. An Executive Officer who is eligible to participate shall become a
Participant on the date he first has a Participant Interest, as determined by
the Plan Administrator or its designee in its discretion. An Executive Officer
who becomes a Participant shall continue as a Participant, until his Participant
Interest is determined by the Plan Administrator or its designee to have been
fully paid out, forfeited or permanently eliminated.

     3.2 PARTICIPANT INTEREST.

          (a) As of one or more Valuation Dates, as determined by the Plan
     Administrator, a Participant's Participant Interest shall equal a
     hypothetical value based on the amount by which the Net Cash Value of a
     relevant Policy exceeds the Net

                                       6

<PAGE>

     Company Premiums under such Policy. To the extent the Net Company Premiums
     under a Policy exceed the Net Cash Value of such Policy, the Participant's
     Participant Interest value shall be zero ($0). By becoming a party hereto,
     Participants expressly acknowledge that while a Participant Interest can
     have a positive value as of a particular Valuation Date, because of
     fluctuations in investment markets, such value can decline to zero ($0) as
     of a subsequent Valuation Date.

          (b) References to a Policy or Policies herein is in no way intended
     and shall not represent any asset to which a Participant may look for
     payment or security for payment of any benefit under this Plan. A Policy is
     only referenced to provide a basis for measuring the Company's obligations
     under the Plan. Any and all Policies are and shall remain general,
     unrestricted assets of Company. All benefits payable under the Plan shall
     be paid from the general assets of the Company. The Company may, but shall
     not be required, to use funds under a Policy to satisfy its obligations
     under the Plan, and the Company reserves the right to satisfy its
     liabilities under the Plan by the transference of rights in a Policy.

For purposes of this Section 3.2, the following definitions will apply:

          "Net Cash Value" shall mean the cash surrender value of the Policy
     reduced, as appropriate, by any indebtedness (and interest thereon)
     obtained by the Company and secured by the Policy which indebtedness
     remains outstanding as of the date of such determination.

          "Net Company Premiums" shall mean at any point in time the aggregate
     sum of all premium payments then or theretofore actually paid by the
     Company credited to the Policy, reduced by any indebtedness (and interest
     thereon) obtained by the Company and secured by the Policy which
     indebtedness remains outstanding as of the date of such determination.

          "Policy" shall mean the policy or policies of life insurance issued by
     a commercial insurer on the life of the Participant and legally owned by
     the Company, together with any and all supplements, endorsements and
     amendments thereto. For purposes of the Plan, policies listed under
     Schedule A shall constitute a Policy for purposes of determining
     Participant Interest values under this Plan.

                     ARTICLE IV - INTEREST OF PARTICIPANTS

     4.1 ACCOUNTING FOR PARTICIPANTS' INTERESTS. Each Participant's Participant
Interest shall be as described in Section 3.2 and this Section 4.1. A
Participant's Participant Interest, if any, may fluctuate at rates determined by
assuming such Participant Interest was invested in accordance with guidelines
and investment directions determined by the Plan Administrator. Notwithstanding
the preceding sentence, the Plan Administrator shall be required to follow the
Participant's direction with respect to the investment of the Participant's
Participant Interest following a Change in Control. In the event the Participant
engages in Competitive Activity during the one-year period following the
Participant's termination of employment, the Participant's right to direct
investment of some or all of Participant's Participant Interest shall cease as
soon as administratively practicable following the Plan Administrator's
determination that the Participant has engaged in such Competitive Activity.

                                       7

<PAGE>

     4.2 VESTING OF A PARTICIPANT'S PARTICIPANT INTEREST. Each Participant shall
become vested in his or her Participant Interest upon completing three (3) years
of service with the Company (or Equifax, Inc., for periods prior to the
Company's spinoff), measured from the earlier of (i) the Participant's
Commencement Date, or (ii) in the case of a Participant who transferred to the
Company in connection with its spinoff from Equifax, Inc., the date the
Participant commenced participation in the Equifax Inc. Executive Life and
Supplemental Retirement Benefit Plan (U.S.). Notwithstanding the prior sentence,
a Participant's Participant Interest shall be considered to have no value in the
circumstances specified in Section 4.5(b) below.

     A Participant shall only receive credit towards becoming vested in his or
her Participant Interest while the Participant is actively employed by the
Company (or on an authorized leave of absence); provided, however the
Participant shall continue to receive vesting credit towards his or her
Participant Interest after termination of employment, if (a) the Participant's
employment with the Company is terminated as a result of Retirement, job
elimination, Good Reason or becoming Permanently Disabled, and (b) the
Participant is not engaged in a Competitive Activity.

     Notwithstanding a Participant's being fully vested in his or her
Participant Interest, the Participant's Participant Interest can fluctuate to
the extent that it has no value.

     4.3 TERMINATION DATE. A Participant's participation in this Plan shall
terminate upon the earliest of the following events to occur (each a
"Termination Date"):

          (a) The Participant's termination of employment from the Company prior
     to Vesting other than on account of (i) Retirement, (ii) becoming
     Permanently Disabled, (iii) Good Reason or (iv) a job elimination;

          (b) The termination of the Participant's employment by the Company for
     Cause;

          (c) The Participant engaging in a Competitive Activity during the
     one-year period following his or her termination of employment;

          (d) Prior to both a Change in Control and the Participant's Vesting,
     the termination of the Plan;

          (e) Prior to both a Change in Control and the Participant's Vesting,
     the date the Company, in its sole discretion, voluntarily elects to
     terminate Participant's participation in the Plan; or

          (f) The death of the Participant.

                                       8

<PAGE>

     4.4 ROLLOUT EVENT. The Plan Administrator, in its discretion, may declare a
Rollout Event to occur with respect to a Participant on the latest of (i) the
fifteenth (15th) anniversary of the Participant's Commencement Date, (ii)
Participant's attainment of age sixty (60), or (iii) the Participant's
Retirement or becoming Permanently Disabled. The Plan Administrator, in its
discretion, may also declare a Rollout Event to occur with respect to a
Participant on or as of a date following the Participant's engaging in a
Competitive Activity during the one-year period following his or her termination
of employment but before benefit payments under the Plan have otherwise
commenced. If a Rollout Event is declared, the Plan Administrator shall take
such steps as are appropriate to effect payment of benefits under the Plan as
soon as administratively practicable.

     4.5 AMOUNT OF BENEFIT.

          (a) The benefit to which a Participant shall be entitled under the
     Plan upon the commencement of benefit payments pursuant to Section 4.7
     below, shall be the value of Participant's Participant Interest, if any, as
     determined by the Plan Administrator as of the Valuation Date immediately
     preceding or commensurate with the date benefits are actually paid or
     deemed paid to the Participant. In the event the Participant's Interest is
     paid in installments, the value of each installment shall be determined
     under Section 4.6.

          (b) Notwithstanding any provision of this Plan to the contrary, a
     Participant will be deemed to have no value in his or her Participant
     Interest, and no benefit shall be payable to Participant or on
     Participant's behalf pursuant to this Plan, at the occurrence of any one of
     the following events:

          -    Death of the Participant;

          -    Termination of the Participant's employment by the Company for
               Cause; or

          -    Prior to the Participant's Vesting in his or her Participant
               Interest, voluntary termination of the Participant's employment
               with the Company by the Participant without Good Reason.

          (c) As an addition to each benefit payment, the Company shall "gross
     up" each such payment as provided in this Section 4.5(c), except a benefit
     payment to a Participant who is determined by the Plan Administrator to
     have engaged in a Competitive Activity within the one year period following
     termination of employment. Specifically, such gross up shall be determined
     by the Plan Administrator based on a reasonable estimate of the approximate
     tax savings to be realized by the Company on account of its being able to
     obtain a tax deduction for the amount of the benefit payment and any gross
     up payment pursuant to this Section 4.5(c), taking into account a
     reasonable estimate of the Company's combined federal, state and local
     income tax bracket. It is intended that a tax deduction shall be taken into
     account under the preceding sentence only to the extent that it is not
     offset by an income item to the Company that is directly related to the
     payment of the benefit or any gross up.

          (d) Notwithstanding any provision of this Plan to the contrary, if at
     any time during the one-year period following the Participant's termination
     of employment, the

                                       9

<PAGE>

Participant engages in Competitive Activity, as determined in the discretion of
the Plan Administrator, the amount of the Participant's Participant Interest
shall be limited to the lesser of (i) the value as of the Valuation Date
commensurate with or immediately preceding the date as of which the Plan
Administrator has determined that the Participant first engaged in such
Competitive Activity (reduced appropriately for any benefit payments), or (ii)
the value as otherwise determined under Section 4.5(a) above.

     4.6 FORM OF BENEFIT.

          (a) A Participant may elect to provide payment instructions that
     provide for payment of such Participant's benefit, if any, in either (i) a
     single sum payment, or (ii) substantially equal installments of principal
     payable over a period of not less than two (2) or more than ten (10 years);
     provided, however, that, if such Participant elects the installment method,
     the Participant shall elect to have installments paid either quarterly (as
     of the last day of each calendar quarter), or annually (as of the last day
     of each calendar year), and interest shall be paid with each installment
     payment with interest credited at five percent (5%) simple annual interest
     on the undistributed portion of the principal amount.

          (b) If the Participant elects to receive his or her Plan benefit in a
     single sum payment, the Company may elect in its discretion to effect such
     payment either in cash or through transfer of an interest in a Policy, with
     cash value related to such interest that is equal to the single sum benefit
     payment.

          (c) Notwithstanding the above Participant elections, the Plan
     Administrator may at any time, in its discretion, direct payment of a
     Participant's benefit in a single sum payment if - (i) such Participant's
     Participant Interest is less than $10,000, or (ii) the Plan Administrator
     determines that the Participant has engaged in Competitive Activity during
     the one-year period following the Participant's termination of employment.

     4.7 TIMING OF BENEFIT - PAYMENT EVENT.

          (a) Any benefit payments to a Participant shall generally commence as
     soon as practicable following the occurrence of a Rollout Event. In the
     event a Participant terminates employment for Good Reason or in the event
     of the Participant's job elimination, any benefit payments shall commence
     not later than as soon as practicable following the later of (i) the
     fifteenth anniversary of the Participant's Commencement Date, or (ii)
     Participant's attainment of age sixty (60). Any date as of which payment of
     a Participant's benefit is to commence under this subsection shall be
     referred to as a "Payment Event."

          (b) Benefit payments to a Participant shall commence in accordance
     with written instructions that such Participant has provided to the Plan
     Administrator with respect to such payments, provided that such
     instructions must be consistent with the terms of the Plan. Participants
     may provide such instructions at any time prior to a Payment Event, and
     they may modify such instructions at any time prior to a Payment Event by
     providing new instructions.

                                       10

<PAGE>

          (c) Upon the occurrence of a Payment Event, the Plan Administrator
     will follow the Participant's last instructions that were submitted at
     least six (6) months prior to such Payment Event, and instructions
     submitted within such 6-month period shall be disregarded; provided,
     however, that in the event a Participant's first written instructions are
     submitted within six (6) months of the Payment Event, distributions shall
     commence as soon as practicable following the earlier of six (6) months
     following the Plan Administrator's receipt of such written instructions or
     twelve (12) months following the Payment Event.

     4.8 TIMING OF BENEFIT - EARLY BENEFIT.

          (a) Notwithstanding Section 4.7, a Participant may elect for benefit
     payments to commence after the seventh (7th) anniversary of the
     Participant's Commencement Date and after the earlier of the following
     events has occurred - (i) the Participant's Retirement, or (ii)
     Participant's attainment of age sixty (60). The benefit payments that are
     triggered by an election under the preceding sentence are referred to as an
     "Early Benefit".

          (b) To obtain an Early Benefit, a Participant must notify the Plan
     Administrator of his or her election of the Early Benefit at least two (2)
     years prior to the date the Early Benefit would first commence, and the
     Participant can revoke such election at any time prior to the date that is
     two (2) years prior to the date the Early Benefit would first commence in
     accordance with such election.

          (c) Once a Participant has made an Early Benefit election, not later
     than six (6) months prior to when payment would commence in accordance with
     such election the Participant may provide in writing for deferrals of the
     commencement of the Early Benefit in two (2) year increments, measured from
     the date the Early Benefit would first commence. In the event a Participant
     elects such deferral, the Participant may further elect additional two (2)
     year deferrals provided each such additional deferral election is provided
     in writing to the Plan Administrator at least six (6) months prior to the
     time of payout under the existing Early Benefit deferral election. The
     Participant may revoke any Early Benefit deferral election at any time
     prior to the date that is six (6) months prior to the effective date of an
     Early Benefit deferral election.

     4.9 LOANS ON THE PARTICIPANT INTEREST. A Participant shall have no rights
to borrow against his or her Participant Interest.

                   ARTICLE V - EFFECT OF A CHANGE IN CONTROL

     In the event of a Change in Control, the trustee of the grantor trust that
has been established by the Company with respect to the Plan shall, as provided
in such grantor trust, ensure that appropriate Company contributions to the
grantor trust are made with respect to the Participants, and the Company shall
make contributions, as provided in such grantor trust, as reasonably determined
by the trustee.

                                       11

<PAGE>

                        ARTICLE VI - PLAN ADMINISTRATOR

     6.1 MEMBERS. The Plan Administrator shall be the Compensation Committee of
the Board or such other committee or an individual appointed by the Board to
serve at its pleasure. Members of any such committee shall not be required to be
employees of the Company or Participants. Any committee member may resign by
giving notice, in writing, filed with the Company.

     6.2 ACTION. Action of the Plan Administrator may be taken with or without a
meeting of committee members; provided, however, that any action shall be taken
only upon the vote or other affirmative expression of a majority of the
committee members qualified to vote with respect to such action. If a member of
the committee or the appointed individual is a Participant in the Plan, he shall
not participate in any decision that solely affects his or her own Participant
Interest. The Plan Administrator shall for purposes of administering the Plan
choose a secretary who shall keep minutes of the Plan Administrator's
proceedings and all records and documents pertaining to the administration of
this Plan. The secretary may execute any certificate or any other written
direction on behalf of the Plan Administrator.

     6.3 RIGHT AND DUTIES. The Plan Administrator shall administer and manage
the Plan and shall have all powers necessary to accomplish that purpose,
including (but not limited to) the following:

          (a) To construe, interpret, and administer this Plan;

          (b) To make allocations and determinations required by this Plan, and
     to maintain records regarding Participants' Participant Interests;

          (c) To compute and certify to the Company the amount and kinds of
     benefits payable to Participants or their Beneficiaries, and to determine
     the time and manner in which such benefits are to be paid;

          (d) To authorize all disbursements by the Company pursuant to this
     Plan;

          (e) To maintain (or cause to be maintained) all the necessary records
     of the administration of this Plan;

          (f) To make and publish such rules for the regulation of this Plan as
     are not inconsistent with the terms hereof;

          (g) To delegate to other individuals or entities from time to time the
     performance of any of its duties or responsibilities hereunder;

          (h) To establish or to change the investment funds or arrangements
     under Section 4.1(d) of the Plan; and

                                       12

<PAGE>

          (i) To hire agents, accountants, actuaries, consultants and legal
     counsel to assist in operating and administering the Plan.

     The Plan Administrator shall have the exclusive discretionary authority to
construe and to interpret the Plan, to decide all questions of eligibility for
benefits and to determine the amount and manner of payment of such benefits, and
its decisions on such matters shall be final and conclusive on all parties.

     6.4 COMPENSATION, INDEMNITY AND LIABILITY. The Plan Administrator shall
serve as such without bond and without compensation for services hereunder. The
Company shall pay all expenses of the Plan and the Plan Administrator. If the
Plan Administrator is a committee, no member of the committee shall be liable
for any act or omission of any other member of the committee, or for any act or
omission on his or her own part, excepting his or her own willful misconduct.
The Company shall indemnify and hold harmless the Plan Administrator and each
member of the committee, if any, against any and all expenses and liabilities,
including reasonable legal fees and expenses, arising out of his or her
membership on the committee, excepting only expenses and liabilities arising out
of his or her own willful misconduct.

     6.5 TAXES. If the whole or any part of any Participant's Participant
Interest shall become liable for the payment of any estate, inheritance, income,
or other tax which the Company shall be required to pay or withhold, the Company
shall have the full power and authority to withhold and pay such tax out of any
monies or other property in its hand for the account of the Participant whose
interests hereunder are so liable. The Company shall provide the Participant
notice of such withholding. Prior to making any payment, the Company may require
such releases or other documents from any lawful taxing authority as it shall
deem necessary.

                         ARTICLE VII - CLAIMS PROCEDURE

     7.1 CLAIMS FOR BENEFITS. A Participant or his or her duly authorized
representative (the "claimant") may make a claim for benefits under the Plan to
the Plan Administrator. The claim shall be reviewed, and the claimant shall be
notified in writing of the Plan Administrator's decision within ninety (90) days
following the date the Plan Administrator receives the claim. If special
circumstances are involved, this ninety (90) day period may be extended for up
to an additional ninety (90) days. If such an extension is necessary, the
claimant shall receive written notice of the extension before the end of the
initial ninety (90) day period.

     If the claim is denied, the notice shall explain the reason for the denial,
quoting the sections of the Program or other pertinent documents, if any, used
to arrive at this decision; provide a description of any additional material or
information that would be helpful to the Plan Administrator in further review of
the claim and reasons why such material or information is necessary; and provide
an explanation of the claims review procedure.

     7.2 APPEALS. If a claimant is not satisfied with the decision of the Plan
Administrator regarding the claim, the claimant may appeal the decision of the
Plan Administrator by filing a written request with the Plan Administrator. This
written request must be filed with the Plan

                                       13

<PAGE>

Administrator within sixty (60) days following the date the claimant receives
the written decision of the Plan Administrator. The claimant may review any
applicable documents and may also submit points of disagreement or other
comments in writing.

     The Plan Administrator, in its discretion, may schedule a meeting with the
Participant and/or his or her representative within sixty (60) days after the
claimant has filed the request for review. Within sixty (60) days of the date of
the receipt of the request for review by the Plan Administrator, the claimant
shall receive written notice of the Plan Administrator's final decision.
However, if a hearing is held or there are other special circumstances involved,
the decision shall be given no later than one hundred and twenty (120) days
following the date the Plan Administrator receives the appeal. If such an
extension of time is necessary, the claimant shall receive written notice of the
extension before it begins.

     The Plan Administrator shall interpret this Article VI such that the claims
procedures applicable under the Program conform to the claims review
requirements of Part 5, Title I of ERISA.

                    ARTICLE VIII - AMENDMENT AND TERMINATION

     8.1 AMENDMENTS. The Board shall have the right in its sole discretion to
amend this Plan in whole or in part at any time; provided, however, that no such
amendment shall reduce the amounts credited at that time to any Participant's
Participant Interest, no such amendment after a Change in Control has occurred
shall change the definition of "Change in Control" or "Good Reason," or
otherwise adversely affect the rights of a Participant without the consent of
the Participant, and no such amendment after a Participant's Vesting shall
adversely affect the rights of such Participant without the written consent of
the Participant. Any amendment shall be in writing and executed by a duly
authorized officer of the Company. All Participants shall be bound by such
amendment.

     8.2 TERMINATION OF PLAN. The Company expects to continue this Plan, but
does not obligate itself to do so. The Company reserves the right to discontinue
and terminate the Plan at any time, in whole or in part, for any reason
(including a change, or an impending change, in the tax laws of the United
States or any State). If the Plan is terminated, the Plan Administrator shall be
notified of such action in a writing executed by a duly authorized officer of
the Company, and the Plan shall be terminated at the time therein set forth.
Termination of the Plan shall be binding on all Participants, but in no event
may such termination reduce the amounts credited at that time to any
Participant's Participant Interest. If this Plan is terminated, amounts
theretofore credited to Participants' Participant Interests shall either be paid
in a lump sum immediately, or distributed in some other manner consistent with
this Plan, as determined by the Plan Administrator in its sole discretion.
Notwithstanding the preceding provisions of this Section 8.2, in the event of a
Change in Control and following a Participant's Vesting, the Company shall not
be able to reduce a Participants rights pursuant to this Section 8.2 to an
extent that exceeds its ability to reduce the Participant's rights under Section
8.1.

                                       14

<PAGE>

                           ARTICLE IX - MISCELLANEOUS

     9.1 LIMITATION ON PARTICIPANT'S RIGHTS. Participation in this Plan shall
not give any Participant the right to be retained in the Company's employ or any
right or interest in this Plan or any assets of the Company other than as herein
provided. The Company reserves the right to terminate the employment of any
Participant without any liability for any claim against the Company under this
Plan, except to the extent provided herein.

     9.2 BENEFITS UNFUNDED. The benefits provided by this Plan shall be
unfunded. All amounts payable under this Plan to Participants shall be paid from
the general assets of the Company, and nothing contained in this Plan shall
require the Company to set aside or hold in trust any amounts or assets for the
purpose of paying benefits to Participants. This Plan shall create only a
contractual obligation on the part of the Company, and Participants shall have
the status of general unsecured creditors of the Company under the Plan with
respect to any obligation of the Company to pay benefits pursuant hereto. Any
funds of the Company available to pay benefits pursuant to the Plan shall be
subject to the claims of general creditors of the Company, and may be used for
any purpose by the Company.

     Notwithstanding the preceding paragraph, the Company may at any time
transfer assets to a trust for purposes of paying all or any part of its
obligations under this Plan. However, to the extent provided in the trust only,
such transferred amounts shall remain subject to the claims of general creditors
of the Company only in accordance with the terms of such trust. To the extent
that assets are held in the trust when a Participant's benefits under the Plan
become payable, the Plan Administrator shall direct the trustee to make trust
assets available to pay such benefits to the Participant. Any payments made to a
Participant from such trust shall relieve the Company from any further
obligations under the Plan only to the extent of such payment.

     9.3 OTHER PLANS. This Plan shall not affect the right of any eligible
Executive Officer or Participant to participate in and receive benefits under
and in accordance with the provisions of any other employee benefit plans which
are now or hereafter maintained by the Company, unless the terms of another
employee benefit plan or plans specifically provide otherwise; provided,
however, that in the event any eligible Executive Officer or Participant asserts
a right or is otherwise granted a right to payment under any other employee
benefit plan of the Company, which payment the Plan Administrator determines to
be otherwise payable under this Plan, then the Plan Administrator may withhold
payment to the Executive Officer or Participant under this Plan to the extent
the Plan Administrator deems appropriate. In addition, see Section 8.10 of the
2003 restatement of the Executive Life and Supplemental Retirement Benefit Plan
with respect to the eligibility of Participants under this Plan for the
Company's basic life insurance, basic accidental death and dismemberment
insurance and its retiree life insurance.

     9.4 RECEIPT OR RELEASE. Any payment to a Participant in accordance with the
provisions of this Plan shall, to the extent thereof, be in full satisfaction of
all claims against the Plan Administrator and the Company, and the Plan
Administrator may require such Participant, as a condition precedent to such
payment, to execute a receipt and release to such effect.

                                       15

<PAGE>

     9.5 GOVERNING LAW. This Plan shall be construed, administered, and governed
in all respects in accordance with applicable federal law and, to the extent not
preempted by federal law, in accordance with the laws of the State of Georgia.
If any provisions of this instrument shall be held by a court of competent
jurisdiction to be invalid or unenforceable, the remaining provisions hereof
shall continue to be fully effective.

     9.7 GENDER, TENSE, AND HEADINGS. In this Plan, whenever the context so
indicates, the singular or plural number and the masculine, feminine, or neuter
gender shall be deemed to include the other. Headings and subheadings in this
Plan are inserted for convenience of reference only and are not considered in
the construction of the provisions hereof.

     9.8 SUCCESSORS AND ASSIGNS; NONALIENATION OF BENEFITS. This Plan shall
inure to the benefit of and be binding upon the parties hereto and their
successors and assigns; provided, however, that the amounts credited to the
Participant's Participant Interest shall not (except as provided in Section 5.5)
be subject in any manner to anticipation, alienation, sale, transfer,
assignment, pledge, encumbrance, charge, garnishment, execution or levy of any
kind, either voluntary or involuntary, and any attempt to anticipate, alienate,
sell, transfer, assign, pledge, encumber, charge or otherwise dispose of any
right to any benefits payable hereunder, including, without limitation, any
assignment or alienation in connection with a separation, divorce, child support
or similar arrangement, shall be null and void and not binding on the Plan or
the Company.

     IN WITNESS WHEREOF, the Company has caused this Plan to be executed by its
duly authorized officers to be effective as of the date first set forth above.

ATTEST:                                 COMPANY:

[Corporate Seal]                        CERTEGY INC.

                                        By:
-------------------------------------       ------------------------------------
Secretary                               Title:
                                               ---------------------------------

                                       16
<PAGE>

                                   SCHEDULE A
       TO THE CERTEGY INC. SPECIAL SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN

                              ELIGIBLE PARTICIPANTS

Lee Kennedy
Larry Towe
Michael Vollkommer

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