Document:

<PAGE>

                                                                   EXHIBIT 10.10

                       CONFIDENTIAL TREATMENT REQUESTED.

                CONFIDENTIAL PORTIONS OF THIS DOCUMENT HAVE BEEN
                 REDACTED PURSUANT TO A REQUEST FOR CONFIDENIAL
              TREATMENT PREVIOUSLY GRANTED BY THE COMMISSION UNDER
                  OF THE SECURITIES AND EXCHANGE ACT OF 1934,
                 AS AMENDED, AND THE SPECIFIC PORTIONS THAT THE
                 REGISTRANT DESIRES TO BE KEPT CONFIDENTIAL ARE
             MARKED WITH *** AT THE REDACTED PORTION AND FOOTNOTED
              "CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY
                              WITH THE COMMISSION"

Transaction Document       February 25, 2003
CERTEGY/IBM CONFIDENTIAL

<PAGE>

                                  CERTEGY/IBM

                MASTER AGREEMENT FOR OPERATIONS SUPPORT SERVICES
                          TRANSACTION DOCUMENT #03-01
                                (UNITED STATES)

1.0 INTRODUCTION

This Transaction Document, effective as of March 5, 2003 (the "Effective Date"),
is entered into by Certegy Inc., a corporation having its primary place of
business at 11720 Amber Park Drive, Alpharetta, Georgia 30004 ("Certegy"), and
International Business Machines Corporation ("IBM"), having offices located at
Route 100, Somers, New York 10589. The Services (as defined herein) will be
provided by IBM to Certegy under the terms and conditions of the Master
Agreement for Operations Support Services dated June 29, 2001 between Certegy
and IBM, as amended from time to time (the "Master Agreement"), and this
Transaction Document, its Supplement and its Schedules A through V attached
hereto for each Tower (this "Transaction Document"). Terms and conditions that
are specific to this Transaction Document, but do not deviate from or conflict
with the provisions of the Master Agreement, are set forth in Section 4.0 hereof
entitled "Transaction Unique Terms." Terms and conditions of this Transaction
Document that deviate from or are in conflict with the Master Agreement are set
forth in Section 5.0 hereof entitled "Deviations from Terms of the Master
Agreement." In the event of a conflict between the provisions of this
Transaction Document and the Master Agreement, the provisions of the Master
Agreement shall be controlling except for the deviating and conflicting
provisions set forth in Section 5.0 hereof, which will control over the
provisions of the Master Agreement.

2.0 DEFINITIONS

Terms capitalized herein but not defined herein shall have the meaning set forth
in the Master Agreement and the Schedules attached hereto. Terms capitalized and
defined herein shall have the meaning set forth herein.

     a.   Commencement Date has the meaning set forth in Section 4.1 herein.

     b.   Contract Year means the consecutive twelve month period beginning
          September 1 continuing through August 31 of the following year during
          the Term of this Transaction Document. The first Contract Year shall
          begin on September 1, 2003.

     c.   Custom Utility Software means code which causes the Applications
          Software and/or Systems Software and/or the Machines and/or Services
          to function, operate and/or communicate as part of an integrated
          compatible system in connection with the Services.

     d.   Customer Data means any information contained in a Customer Database.

     e.   Customer Database means any database at any time established (whether
          in magnetic, paper or other form) by, or on behalf of, or at the
          direction of, Certegy or an Authorized

Transaction Document       February 25, 2003
CERTEGY/IBM CONFIDENTIAL

<PAGE>

          User under this Transaction Document which contains information
          relating to Certegy or its Authorized Users (including account and
          transaction data).

     f.   Certegy Data Center means the Certegy data center located in St.
          Petersburg, Florida, from which IBM provides the majority of the
          Services.

     g.   Disaster Recovery Plan has the meaning set forth in Schedule G to this
          Transaction Document.

     h.   Effective Date has the meaning set forth in Section 1.0 herein.

     i.   Excusable Downtime has the meaning set forth in Schedule S to this
          Transaction Document.

     j.   Facilities--means any location: (1) owned, leased, rented, or used by
          Certegy that IBM may use in providing the Services; and (2) that is
          listed in Schedule T (Facilities).

     k.   IBM Data Center means the IBM data center from which IBM provides
          console operations activities in support of the Services.

     l.   IBM Help Desk means an IBM Customer Service Center from which IBM
          provides Help Desk Services.

     m.   IBM Logo Products means products made generally available by IBM or an
          Affiliate of IBM and bearing a logo of IBM and/or an IBM Affiliate.

     n.   Master Agreement has the meaning set forth in Section 1.0 herein.

     o.   Procedures Manual has the meaning set forth in Section 4.6 herein.

     p.   Scheduled Downtime has the meaning set forth in Schedule S to this
          Transaction Document.

     q.   Sensitivity Factor has the meaning set forth in Schedule J 3.0 to this
          Transaction Document.

     r.   Services has the meaning set forth in Section 3.1 herein.

     s.   Systems management Control (SMC) has the meaning set forth in Section
          4.5 herein.

     t.   Transaction Document has the meaning set forth in Section 1.0 herein.

     u.   Transition Plan means the plan for transition set forth in Schedule H
          to this Transaction Document.

Transaction Document US    March 5, 2003
CERTEGY/IBM CONFIDENTIAL

<PAGE>

3.0 SERVICES, CHARGES AND CREDITS

3.1 SERVICES

IBM will provide to Certegy the Services for the Mainframe Tower:

     -    Mainframe Tower includes:

          Help Desk Services

          Desktop Services

          SNA Network Services

The scope and composition of the Services and the responsibilities of the
Parties with respect to the Services are detailed in each Schedule E to this
Transaction Document with respect to the Mainframe Tower, and Schedules A
through V attached hereto.

Any existing and future Projects under this Transaction Document for which IBM
will be responsible will be described in Schedule N. Schedule N shall include,
but not be limited to, project management, design, testing, documentation,
implementation and training responsibilities for each Project and the charges
with respect thereto.

3.2 CHARGES AND CREDITS

In addition to other provisions in the Master Agreement and this Transaction
Document addressing charges and credits, the Supplement and Schedule J hereto
entitled "Charging Methodologies," set forth the pricing, charging methodologies
and measures of utilization for the Services including, without limitation, the
Baselines of Resource Units to be provided to Certegy by IBM hereunder, the
Monthly Charges, Termination Charges and charges and credits for additional and
reduced resources. Further, Schedule J and Schedule S hereto entitled "Service
Levels and Service Credits" set forth certain credits to Certegy and/or charges
to IBM.

4.0 TRANSACTION UNIQUE TERMS

The terms and conditions in this Section 4 are in addition to the terms and
conditions set forth in the Master Agreement, are specific to the Services
arrangement described in this Transaction Document and are not intended to
conflict with or deviate from any of the terms and conditions in the Master
Agreement.

Transaction Document US    March 5, 2003
CERTEGY/IBM CONFIDENTIAL

<PAGE>

4.1 TERM/COMMENCEMENT DATE

The term of this Transaction Document shall begin on the Effective Date and
expire on August 31, 2013, unless earlier terminated in accordance with the
terms of the Master Agreement or this Transaction Document. Except as provided
in Section 4.3, the Commencement Date of Services is August 31, 2003.

4.2 TECHNOLOGY REFRESH

IBM will refresh (including, without limitation, upgrade, replace, augment,
enhance, etc.) the IBM Machines used by IBM to provide the Services to the
extent provided to Certegy by IBM for this Transaction Document in accordance
with Section 6.2.(a) of the Master Agreement, at a level and with a frequency
that will enable IBM at all times to perform and provide the Services in
accordance with this Transaction Document. Pursuant to Section 6.2(a) of the
Master Agreement, IBM has provided the technology refresh plan to Certegy
showing the timing of the hardware and software upgrades and/or hardware refresh
points during the term of this Transaction Document that are included in the
Monthly Charges and reflected in the Baseline prior to the Effective Date. IBM
will advise Certegy of any proposed changes in its technology refresh procedures
and plans during each Annual Planning Meeting referred to in Schedule J of this
Transaction Document.

4.3 TRANSITION

Schedule H to this Transaction Documents describes the Transition Plan, which
shall begin upon the Effective Date of this Transaction Document. The Transition
Plan, among other things, includes the joint development of the Desktop Refresh
Plan by IBM and Certegy, including the rollout schedule of Desktop Refreshes
("Desktop Refreshes").

4.4 RETURN OF CUSTOMER DATA

If requested by Certegy at any time during the term of this Transaction
Document, IBM shall promptly provide to Certegy, its Authorized Users or its or
their nominees, in a form readily useable, current and updated copies of the
Customer Data and Customer Databases. Certegy shall reimburse IBM for its
reasonable cost, if any, of providing such Customer Data and Customer Databases.

4.5 SYSTEMS MANAGEMENT CONTROLS

During each Annual Planning Meeting referred to in Schedule J, IBM and Certegy
will jointly review the Systems Management Control (SMC) procedures used by IBM,
and IBM will make any reasonable changes that Certegy may request be made to the
standard set of disciplines for managing the information systems used to provide
the Services. This methodology will be applied to all the Services provided
under this Transaction Document, shall be implemented as appropriate to the
individual elements of the Services being provided, and shall be included in the
Procedures Manual.

Transaction Document US    March 5, 2003
CERTEGY/IBM CONFIDENTIAL

<PAGE>

4.6 PROCEDURES MANUAL

The "Procedures Manual" shall be jointly developed by IBM and Certegy during the
Transition Period and approved by Certegy. The Procedures Manual will govern the
performance of each element of the Services and will establish appropriate
operating procedures, including, without limitation, escalation and problem
resolution procedures, for the Services. During the term of this Transaction
Document, the Parties may incorporate New Services into the Services provided
pursuant to this Transaction Document and will amend the Procedures Manual in
writing accordingly. IBM shall perform all Services in accordance with the
Procedures Manual and the Master Agreement.

4.7 FACILITIES

a.   Certegy will provide IBM at no charge with:

     1.   the use of space and support (including, without limitation, the use
          of copiers and fax machines) at Certegy's St. Petersburg, Florida;
          Alpharetta, Georgia; Tuscaloosa, Alabama; Madison, Wisconsin; and Salt
          Lake City, Utah locations (the "Facilities") reasonably necessary for
          the performance of the Services, which shall include all heat, light,
          power, air conditioning, uninterruptible power supply and other
          similar utilities, reasonable office space as shown in Schedule T of
          this Transaction Document, furniture, secure storage space and
          equipment staging facilities, local telephone service (long distance
          charges will be IBM's responsibility), office support services
          (including security and janitorial), and coordination of Facility
          access security requirements to be used by IBM in support of the
          Services. Certegy will provide IBM with reasonable access to the
          Facilities in order for IBM to perform its obligations hereunder in
          substantially the same manner as provided to Certegy employees
          performing similar job functions; and

     2.   the same or similar access to Certegy's workplace services, such as
          parking and cafeteria facilities, if any, as Certegy provides to its
          employees and Subcontractors.

b.   If Certegy relocates a Facility, or the portion of a Facility used by IBM
     to provide the Services, Certegy will:

     1.   provide IBM with space and support in the new location that is
          comparable to the space and support provided in the previous location;

     2.   reimburse IBM for any one time or ongoing expenses incurred as a
          result of the relocation; and

     3.   if the relocation impacts IBM's ability to meet the Service Levels,
          relieve IBM from the affected Service Levels until the relocation is
          complete and the Service Levels are appropriately adjusted.

c.   IBM's use of the Facilities does not constitute or create a leasehold
     interest.

Transaction Document US    March 5, 2003
CERTEGY/IBM CONFIDENTIAL

<PAGE>

To the extent that IBM's equipment or software is located at a Facility and such
equipment and/or software is part of the System used to provide the Services,
Certegy appoints IBM as Certegy's attorney-in-fact, with the full authority to
act in its name and stead, for the limited purpose of executing, delivering and
filing, in Certegy's name and on its behalf, financing statements and related
filings in connection with such equipment and software. This limited power of
attorney will be effective as of the Effective Date and will expire upon the
expiration or earlier termination of this Transaction Document.

4.8 ECONOMIC CHANGE ADJUSTMENT (ECA)

An annual Economic Change Adjustment (the "ECA") to certain specified charges
set forth in the Supplement for this Transaction Document shall be determined
and calculated in accordance with Section 3.0 of Schedule J to this Transaction
Document. Such adjustment may increase or decrease the Annual Services Charges,
ARCs, and RRCs ("Charges") in the Supplement. The Charges, to which the annual
ECA will be applied, are specified in the Supplement and Schedule J to this
Transaction Document.

4.9 LIMITATIONS ON RIGHTS TO PERFORM SERVICES FOR OTHERS

Subject to Sections 8.4(c) and 11.2(d) of the Master Agreement, IBM will not:

     a.   use information regarding the Certegy Business or skills which were
          obtained through association with Certegy and which provide Certegy
          with a competitive advantage in the Certegy Business to assist
          competitors of Certegy, including those identified in Section 4.9(b);
          nor

     b.   REDACTED ***

     c.   Use these Facilities or the System to provide services to any third
          party without prior written approval of Certegy.

4.10 NOTICES

Notices pursuant to Section 17.10 of the Master Agreement, notifications will be
addressed as follows:

For termination, breach or defaults, notify;

----------
***  CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION.

Transaction Document US    March 5, 2003
CERTEGY/IBM CONFIDENTIAL

<PAGE>

     In the case of IBM:                  In the case of Certegy:

          IBM Global Project Executive         Chief Technology Officer
          IBM Corporation                      Certegy Inc.
          1505 Windward Concourse              11720 Amber Park Drive
          Alpharetta, Georgia 30005            Suite 600
          Facsimile: 770-663-9448              Alpharetta, Georgia 30004

     with a copy to:                      with a copy to:

          IBM General Counsel                  Law Department
          IBM Corporation                      Certegy Inc.
          Route 100                            11601 Roosevelt Boulevard
          Somers, New York 10589               TA-41
          Facsimile: 914-766-8444              St. Petersburg, Florida 33716

For all other notices:

     In the case of IBM:                  In the case of Certegy:

          IBM Global Project Executive         Chief Technology Officer
          IBM Corporation                      Certegy Inc.
          1505 Windward Concourse              11720 Amber Park Drive
          Alpharetta, Georgia 30005            Suite 600
          Facsimile: 770-663-9448              Alpharetta, Georgia 30004

          IBM Project Executive                Chief Information Officer
          11601 Roosevelt Boulevard            Certegy, Inc
          St. Petersburg, Florida 33716        11601 Roosevelt Boulevard
                                               St. Petersburg, Florida 33716

5.0 DEVIATIONS FROM TERMS OF THE MASTER AGREEMENT

The terms and conditions in this Section 5 are the terms and conditions that are
deviations from or in conflict with the terms and conditions set forth in the
Master Agreement.

Transaction Document US    March 5, 2003
CERTEGY/IBM CONFIDENTIAL

<PAGE>

5.1 TERMINATION FOR CONVENIENCE Section 12.1(c) of the Master Agreement entitled
"Termination" is modified for the purpose of this Transaction Document to the
extent inconsistent with the following:

     Subject to payment by Certegy of the applicable Termination Charges and
     Wind Down Expenses as described in Schedule J or its Supplements, Certegy
     may terminate this Transaction Document for convenience at anytime after
     three (3) years from the Commencement Date by giving one hundred eighty
     (180) days or more prior written notice to IBM.

5.2 REDACTED ***

5.3 REDACTED ***

5.4 REDACTED ***

5.6 RESOURCES AND FACILITIES

For purposes of this Transaction Document, Section 5.3(d) of the Master
Agreement is modified as follows:

     a.   The first sentence is revised to read as follows:

          IBM will have the right to change the location of the IBM activities
          associated with operating systems support, Help Desk and mainframe
          console operations provided as part of the Services under any
          Transaction Document with the prior written consent of Certegy (which
          consent shall not be unreasonably withheld) or upon the occurrence of
          a Force Majeure Event.

     b.   The following sentence is added at the end of the section:

          Except as provided in the first sentence of this Section 5.3(d), IBM
          may not change the location of any other aspects of the Services, and
          the delivery of Services without the prior written consent of Certegy,
          which may be withheld in its sole discretion.

5.7 OTHER RIGHTS UPON TERMINATION

For purposes of this Transaction Document and each other outstanding Transaction
Document on the date hereof, Section 12.6(g) of the Master Agreement is modified
to read as follows:

----------
***  CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION.

Transaction Document US    March 5, 2003
CERTEGY/IBM CONFIDENTIAL

<PAGE>

     Upon the date of expiration or termination of the Agreement or any
     Transaction Document for any reason, the Certegy Group or its designee
     shall have the right to make offers of employment to any or all IBM
     employees performing Services on a substantially full time basis for the
     Certegy Group hereunder or under such Transaction Document, as applicable
     ("Service Employees"). Promptly after either Party provides the other Party
     written notice of termination or expiration, with the prior consent of each
     Service Employee (each of whom IBM will notify of Certegy's or its
     designee's interest), IBM agrees, subject to the agreement of the Service
     Employees, to supply Certegy or its designee with the names and resumes
     requested by Certegy or its designee for the purposes of exercising its
     rights under this Section 12.6, at no charge. Certegy's or its designee's
     rights under this Section 12.6 will take precedence over any IBM/employee
     employment contract or covenant that may otherwise limit an employee's
     right to accept employment with the Certegy Group or its designee.

5.8 COLA

The definition for "Cost of Living Adjustment ('COLA')" in Section 2 of the
Master Agreement shall not apply to this Transaction Document. All other
references to Cost of Living Adjustment or COLA contained in the Master
Agreement are hereby replaced by references to the ECA.

5.9 SCHEDULES AND SUPPLEMENTS

Following is a listing of the Schedules and the Supplement applicable to this
Transaction Document.

                              Table of Attachments

<TABLE>
<CAPTION>
                                                                                     SCHEDULES
                                                                                    CONFIGURED
                                                                                        FOR      STANDARD
SCHEDULE                             SCHEDULE TITLE                                 EACH TOWER  SCHEDULES  APPLICABILITY
--------  -----------------------------------------------------------------         ----------  ---------  -------------
<S>       <C>                                                                       <C>         <C>        <C>
   A      Applications Software                                                          X                 Each Tower
   B      Systems Software                                                               X                 Each Tower
   C      Certegy Provided Hardware                                                      X                 Each Tower
   D      IBM Machines                                                                   X                 Each Tower
   E      Services and Operational and Financial Responsibilities                        X                 Each Tower
   F      Leases, Licenses and other Contracts                                           X                 Each Tower
   G      Disaster Recovery Services                                                     X                 Each Tower
</TABLE>

Transaction Document US    March 5, 2003
CERTEGY/IBM CONFIDENTIAL

<PAGE>

<TABLE>
<S>       <C>                                                                       <C>         <C>        <C>
   H      Transition Plan                                                                X                 Each Tower
   I      Network Locations                                                              X                 Network Tower
   J      Charging Methodologies and Measures of Utilization                                        X      Common
   K      Applications Installation Standards (Operating Environment IT Standards)       X                 Each Tower
   L      Security Procedures and Responsibilities--Data and Physical                    X                 Each Tower
   M      Help Desk Services                                                             X                 Each Tower
   N      Projects                                                                       X                 Each tower
   O      Affected Employees                                                                        X      Common
   P      Maintenance Terms                                                                         X      Common
   Q      Outstanding Employee Claims                                                               X      Common
   R      Service Transfer Assistance                                                               X      Common
   S      Performance Standards, Minimum Service Levels and Service Credits                         X      Common
   T      Certegy Provided Office Furnishings and Facilities                             X                 Each Tower
   U      Bill of Sale                                                                              X      Common
   V      Key Employees                                                                             X      Common
</TABLE>

Transaction Document US    March 5, 2003
CERTEGY/IBM CONFIDENTIAL

<PAGE>

THE PARTIES ACKNOWLEDGE THAT THEY HAVE READ THIS TRANSACTION DOCUMENT,
UNDERSTAND IT, AND AGREE TO BE BOUND BY ITS TERMS AND CONDITIONS. FURTHER, THE
PARTIES AGREE THAT THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN
THE PARTIES RELATING TO THIS SUBJECT SHALL CONSIST OF 1) THIS TRANSACTION
DOCUMENT AND 2) THE MASTER AGREEMENT, INCLUDING AMENDMENTS TO THOSE DOCUMENTS
FROM TIME TO TIME EXECUTED BY THE PARTIES. THIS STATEMENT OF THE AGREEMENT
BETWEEN THE PARTIES SUPERSEDES ALL PROPOSALS OR OTHER PRIOR AGREEMENTS, ORAL OR
WRITTEN, AND ALL OTHER COMMUNICATIONS BETWEEN THE PARTIES RELATING TO THE
SUBJECT DESCRIBED HEREIN.

Accepted by:                            Accepted by:

CERTEGY INC.                            INTERNATIONAL BUSINESS MACHINES
                                        CORPORATION

By:                                     By:
    ----------------------------------      ------------------------------------
    Authorized Signature                    Authorized Signature

                                        ----------------------------------------
Name (Type or Print)             Date   Name (Type or Print)                Date

Transaction Document US    March 5, 2003
CERTEGY/IBM CONFIDENTIAL
<PAGE>

                                  SCHEDULE A OF
                           TRANSACTION DOCUMENT #03-01
                                 (UNITED STATES)
                                 MAINFRAME TOWER
                              APPLICATIONS SOFTWARE

This Schedule lists the "Applications Software - Certegy" and "Applications
Software - IBM" that IBM will operate for Certegy in performance of the
Services. This is an inventory listing that will be updated during the term of
this Transaction Document.

SECTION A-1 APPLICATIONS SOFTWARE - CERTEGY

                         APPLICATIONS SOFTWARE - CERTEGY

<TABLE>
<CAPTION>
                                                                                                  RESPONSIBILITY
                                                                                                (I = IBM C = CERTEGY)
                                                                                        ------------------------------------
ITEM NO.      PREFIX                APPLICATION NAME/DESCRIPTION             LICENSEE   Oper(1)   Fin(2)   Maint(3)   Dev(4)
--------   -----------   -------------------------------------------------   --------   -------   ------   --------   ------
<S>        <C>           <C>                                                 <C>        <C>       <C>      <C>        <C>
    1          TBS       The Bank Card System                                              I         C         C         C
    2          TBS       The Collections System                                            I         C         C         C
    3          TBS       TBS Authorization System                                          I         C         C         C
    4          TBS       Service Link System                                               I         C         C         C
    5          B2K       Base 2000 Bank Card System                                        I         C         C         C
    6          B2K       Base 2000 Collections Systems                                     I         C         C         C
    7          B2K       Base 2000 Authorization System                                    I         C         C         C
    8          B2K       Service Link: Mainframe Interface to Service View                 I         C         C         C
    9        Merchant    Merchant Processing                                               I         C         C         C
   10        Merchant    New Replacement for Merchant Processing                           I         C         C         C
   11          DEP       Settlement and Deposit                                            I         C         C         C
   12          DEP       New Replacement for Settlement and Deposit                        I         C         C         C
   13      Lettercheck   Bank Card Checks                                                  I         C         C         C
   14       Scorecard    Bonus Points                                                      I         C         C         C
   15       Pass Thru    Debit Transactions                                                I         C         C         C
   16         Falcon     Fraud Detection                                                   I         C         C         C
   17       Cardsource   Mainframe TBS BankCard file                                       I         C         C         C
               File      transfers to and from Cardsource
            Interfaces   application
   18       Pass thru    New Replacement for Pass Thru                                     I         C         C         C
               New
   19           IB       Billing                                                           I         C         C         C
   20        Loyalty     Loyalty Mgt System                                                I         C         C         C
   21          TBS       Statement of Services                                             I         C         C         C
   22         Check      Check Authorization System                                        I         C         C         C
   23           CM       Check Management                                                  I         C         C         C
   24          ILF*      Inquiry log                                                       I         C         C         C
   25          PW*       Pathways                                                          I         C         C         C
</TABLE>

Schedule A                  March 14, 2003
CERTEGY/IBM CONFIDENTIAL

                                                                     Page 1 of 2

<PAGE>

                         APPLICATIONS SOFTWARE - CERTEGY

<TABLE>
<CAPTION>
                                                                                                   RESPONSIBILITY
                                                                                                (I = IBM C = CERTEGY)
                                                                                        ------------------------------------
ITEM NO.      PREFIX                APPLICATION NAME/DESCRIPTION             LICENSEE   Oper(1)   Fin(2)   Maint(3)   Dev(4)
--------   -----------   -------------------------------------------------   --------   -------   ------   --------   ------
<S>        <C>           <C>                                                 <C>        <C>       <C>      <C>        <C>
   26           DI*      Derogatory Information                                            I         C         C         C
   27           IN       Utilities                                                         I         C         C         C
   28           CL*      Claims                                                            I         C         C         C
   29           PA       Support                                                           I         C         C         C
   30           DW*      Data Warehouse                                                    I         C         C         C
   31           CA*      ACH                                                               I         C         C         C
</TABLE>

SECTION A-2 APPLICATIONS SOFTWARE - IBM

                           APPLICATIONS SOFTWARE - IBM

<TABLE>
<CAPTION>
                                                                                                   RESPONSIBILITY
                                                                                                (I = IBM C = CERTEGY)
                                                                                        ------------------------------------
ITEM NO.      PREFIX                APPLICATION NAME/DESCRIPTION             LICENSEE   OPER(1)   FIN(2)   MAINT(3)   DEV(4)
--------   -----------   -------------------------------------------------   --------   -------   ------   --------   ------
<S>        <C>           <C>                                                 <C>        <C>       <C>      <C>        <C>

IBM IS NOT OPERATING ANY "IBM MAINFRAME TOWER APPLICATIONS SOFTWARE - IBM" AS OF THE COMMENCEMENT DATE
</TABLE>

NOTES:

(1)  "OPER" means operational responsibility for the Applications Software
     listed in this Schedule.

(2)  "FIN" means financial responsibility for license fees, maintenance charges,
     Maintenance Releases and any other related charges for the Applications
     Software listed in this Schedule but does not include the cost for new
     Versions. Certegy has financial responsibility for all costs related to the
     purchase of new Versions.

(3)  "MAINT" means maintenance responsibility, including applying fixes,
     corrections, and minor enhancements (but not necessarily the financial
     responsibility for such) for the Applications Software listed in this
     Schedule.

(4)  "DEV" means maintenance development responsibility, including the
     programming of any regulatory/statutory mandated changes, version upgrades,
     or major enhancements for the Applications Software listed in this
     Schedule.

*    Applications are cross-platform. These items are listed for the mainframe
     part of the applications.

                                                                     Page 2 of 2
<PAGE>

                                  SCHEDULE B OF

                           TRANSACTION DOCUMENT #03-01

                                 (UNITED STATES)

                                 MAINFRAME TOWER

                                 SYSTEM SOFTWARE

This Schedule B lists the Systems Software - Certegy and Systems Software - IBM
that IBM will operate for Certegy in performance of the Services.

This is an inventory listing and will be updated during the term of this
Transaction Document.

                      SECTION B-1 SYSTEMS SOFTWARE - IBM

<TABLE>
<CAPTION>
                                                                               RESPONSIBILITY
                                                                            (I = IBM C = CERTEGY)
ITEM    PRODUCT                                                     ------------------------------------
 NO.    NUMBER    SOFTWARE NAME/DESCRIPTION              LICENSEE   OPER(1)   FIN(2)   MAINT(3)   DEV(4)
----   --------   ------------------------------------   --------   -------   ------   --------   ------
<S>    <C>        <C>                                    <C>        <C>       <C>      <C>        <C>
1      5645-005   System Automation for                     IBM        I         I         I         I
                  OS/390
2      5648-A25   COBOL for OS/390 & VM V2                  IBM        I         I         I         I
3      5648-063   ACF/NCP V5.4                              IBM        I         I         I         I
4      5655-A46   JAVA for OS/390 V1R1M0                    IBM        I         I         I         I
5      5655-A95   MQSERIES FOR OS/390 V.2.1                 IBM        I         I         I         I
6      5655-B17   PSF V3 for OS/390                         IBM        I         I         I         I
7      5655-D35   JAVA (TM) 2 Technology Edition 1.1.0      IBM        I         I         I         I
8      5655-D44   XML Toolkit for OS/390 1.1.0              IBM        I         I         I         I
9      5655-041   ACF/SSP Version 4 MVS                     IBM        I         I         I         I
10     5655-147   CICS TS for OS/390                        IBM        I         I         I         I
11     5655-279   BTAM/SYSTEM PRODUCT                       IBM        I         I         I         I
12     5665-333   NetView Performance Mon. (NPM)            IBM        I         I         I         I
13     5668-958   VS COBOL II Comp Lib and Debug            IBM        I         I         I         I
14     5675-DB2   DB2 UDB for OS/390                        IBM        I         I         I         I
15     5675-DB2   QMF for OS/390 (feat of DB2)              IBM        I         I         I         I
16     5688-190   PPFA/370                                  IBM        I         I         I         I
17     5694-A01   z/OS V1 Base                              IBM        I         I         I         I
18     5694-A01   z/OS V1 DFSMS dsshsm                      IBM        I         I         I         I
19     5694-A01   z/OS V1 HLASM Toolkit                     IBM        I         I         I         I
20     5694-A01   z/OS V1 RMF                               IBM        I         I         I         I
21     5694-A01   Z/OSV1 SDSF                               IBM        I         I         I         I
22     5697-B82   Tivoli NetView Enterprise                 IBM        I         I         I         I
23     5735-XXB   Emulation Program Version 1               IBM        I         I         I         I
24     5740-CB1   COBOL Compiler/Library V1                 IBM        I         I         I         I
</TABLE>

Schedule B                 March 14, 2003
CERTEGY/IBM CONFIDENTIAL

                                                                     Page 1 of 6

<PAGE>

                      SECTION B-1 SYSTEMS SOFTWARE - IBM

<TABLE>
<CAPTION>
                                                                               RESPONSIBILITY
                                                                            (I = IBM C = CERTEGY)
ITEM    PRODUCT                                                     ------------------------------------
 NO.    NUMBER    SOFTWARE NAME/DESCRIPTION              LICENSEE   OPER(1)   FIN(2)   MAINT(3)   DEV(4)
----   --------   ------------------------------------   --------   -------   ------   --------   ------
<S>    <C>        <C>                                    <C>        <C>       <C>      <C>        <C>
25     5798-DXQ   ICFRU 1.1.0                               IBM        I         I         I         I
26     5655-A25   AFP TOOLBOX FOR MVS                       IBM        I         I         I         I
27     5648-D68   DB2 UTILITIES SUITE SUBSCRIPTION          IBM        I         I         I         I
28     5697-E98   DB2 UTILITIES SUITE                       IBM        I         I         I         I
29     5697-B82   GRAPHICAL ENTERPRISE LE 370               IBM        I         I         I         I
</TABLE>

                    SECTION B-2: SYSTEMS SOFTWARE - CERTEGY

<TABLE>
<CAPTION>
                                                                               RESPONSIBILITY
                                                                           (I - IBM C = CERTEGY)
ITEM                                   SOFTWARE                     ------------------------------------
 NO.           VENDOR              NAME/DESCRIPTION      LICENSEE   OPER(1)   FIN(2)   MAINT(3)   DEV(4)
----   ----------------------   ----------------------   --------   -------   ------   --------   ------
<S>    <C>                      <C>                      <C>        <C>       <C>      <C>        <C>
1      FUJITSU (AMDAHL)         TDMF                     Certegy       I         I         I        NA
2      ASI                      PKZIP                    Certegy       I         I         I        NA
3      BMC (BOOLE & BABBAGE)    EASYPOOL(POOL DASD)(5)   Certegy       I         I         I        NA
4      BMC (BOOLE & BABBAGE)    STOP/X37II(5)            Certegy       I         I         I        NA
5      CANDLE                   OMEGAMON II/EPILOG(5)    Certegy       I         I         I        NA
6      CANDLE                   OMEGAMON II CICS(5)      Certegy       I         I         I        NA
7      CANDLE                   OMEGAMON II MVS(5)       Certegy       I         I         I        NA
8      CHICAGOSOFT              MVS QUICKREF             Certegy       I         I         I        NA
9      COMM-PRO                 COMM-PRO(6)              Certegy       I         I         I        NA
10     COMPUTER ASSOCIATES      ACF2/MVS                 Certegy       I         I         I        NA
11     COMPUTER ASSOCIATES      CA-1                     Certegy       I         I         I        NA
12     COMPUTER ASSOCIATES      CA-11                    Certegy       I         I         I        NA
13     COMPUTER ASSOCIATES      CA-7                     Certegy       I         I         I        NA
14     COMPUTER ASSOCIATES      CA90S                    Certegy       I         I         I        NA
15     COMPUTER ASSOCIATES      EASYTRIEVE PLUS          Certegy       I         C         C        NA
16     COMPUTER ASSOCIATES      ENDEVOR/MVS BASE         Certegy       I         I         I        NA
</TABLE>

                                                                     Page 2 of 6

<PAGE>

                    SECTION B-2: SYSTEMS SOFTWARE - CERTEGY

<TABLE>
<CAPTION>
                                                                               RESPONSIBILITY
                                                                           (I - IBM C = CERTEGY)
ITEM                                   SOFTWARE                     ------------------------------------
 NO.           VENDOR              NAME/DESCRIPTION      LICENSEE   OPER(1)   FIN(2)   MAINT(3)   DEV(4)
----   ----------------------   ----------------------   --------   -------   ------   --------   ------
<S>    <C>                      <C>                      <C>        <C>       <C>      <C>        <C>
17     COMPUTER ASSOCIATES      ENDEVOR/MVS              Certegy       I         I         I        NA
                                AUTOMATED CONFIG MGR
18     COMPUTER ASSOCIATES      ENDEVOR/MVS              Certegy       I         I         I        NA
                                EXTENDED PROCESSOR
19     COMPUTER ASSOCIATES      ENDEVOR/MVS              Certegy       I         I         I        NA
                                EXTERNAL SECURITY
                                INTERFACE
20     COMPUTER ASSOCIATES      ENDEVOR/MVS              Certegy       I         I         I        NA
                                PARALLEL DEV MGR
21     COMPUTER ASSOCIATES      ENDEVOR/MVS              Certegy       I         I         I        NA
                                QUICKEDIT
22     COMPUTER ASSOCIATES      FAVER FOR MVS            Certegy       I         I         I        NA
23     COMPUTER ASSOCIATES      JCLCHECK                 Certegy       I         I         I        NA
24     COMPUTER ASSOCIATES      LIBRARIAN                Certegy       I         I         I        NA
25     COMPUTER ASSOCIATES      MULTI IMAGE              Certegy       I         I         I        NA
                                CONSOLE
26     COMPUTER ASSOCIATES      MULTI IMAGE              Certegy       I         I         I        NA
                                ALLOCATION
27     COMPUTER ASSOCIATES      MULTI IMAGE              Certegy       I         I         I        NA
                                INTEGRITY W/EDIF
28     COMPUTER ASSOCIATES      OPS/MVSII JES2           Certegy       I         I         I        NA
29     COMPUTER ASSOCIATES      TPX ADV DATA             Certegy       I         I         I        NA
                                COMPRESS OPT NVI/TPX
30     COMPUTER ASSOCIATES      TPX MAILBOX              Certegy       I         I         I        NA
                                OPTION
31     COMPUTER ASSOCIATES      TPX MULTISESSION         Certegy       I         I         I        NA
32     COMPUTER ASSOCIATES      TPX ACL/E                Certegy       I         I         I        NA
33     COMPUTER ASSOCIATES      TSOMON                   Certegy       I         I         I        NA
34     COMPUTER ASSOCIATES      VIEW/MVS                 Certegy       I         I         I        NA
35     COMPUTER ASSOCIATES      DELIVER/MVS              Certegy       I         I         I        NA
36     COMPUTER ASSOCIATES      XCOM                     Certegy       I         I         I        NA
37     COMPUTER ASSOCIATES      VlSION:EXCEL             Certegy       I         I         I        NA
       (STERLING)               (BASE)
</TABLE>

                                                                     Page 3 of 6
<PAGE>

                    SECTION B-2: SYSTEMS SOFTWARE - CERTEGY

<TABLE>
<CAPTION>
                                                                               RESPONSIBILITY
                                                                           (I = IBM C = CERTEGY)
ITEM                                   SOFTWARE                     ------------------------------------
 NO.           VENDOR              NAME/DESCRIPTION      LICENSEE   OPER(1)   FIN(2)   MAINT(3)   DEV(4)
----   ----------------------   ----------------------   --------   -------   ------   --------   ------
<S>    <C>                      <C>                      <C>        <C>       <C>      <C>        <C>
38     COMPUTER ASSOCIATES      VISION:RESULTS           Certegy        I        I         I        NA
       (STERLING)
39     COMPUWARE                ABEND AID/CICS           Certegy        I        I         I        NA
40     COMPUWARE                ABEND-AID/XLS            Certegy        I        I         I        NA
41     COMPUWARE                XPEDITER/TSO             Certegy        I        I         I        NA
42     COMPUWARE                XPEDITER/CICS            Certegy        I        I         I        NA
43     COMPUWARE                XPEDITER/CICS ASM        Certegy        I        I         I        NA
                                OPTION
44     COMPUWARE                FILEAID/MVS              Certegy        I        I         I        NA
45     COMPUWARE                STROBE/MVS               Certegy        I        I         I        NA
                                SYSPLEX
46     COMPUWARE                STROBE/CICS              Certegy        I        I         I        NA
47     COMPUWARE                ADV SESSION MGT FEAT.    Certegy        I        I         I        NA
48     COMPUWARE                STROBE DB2               Certegy        I        C         C        NA
49     COMPUWARE                iSTROBE                  Certegy        I        C         C        NA
50     COMPUWARE                MQSTROBE                 Certegy        I        C         C        NA
51     COMPUWARE                DBA Expert for DB2       Certegy        I        C         C        NA
52     DOCSENSE                 CICS Windows             Certegy        I        I         I        NA
       (PITNEY BOWES)           Maint.
53     DOCSENSE                 FINALIST                 Certegy        I        I         I        NA
       (PITNEY BOWES)           NATIONAL
54     DOCSENSE                 STREAMWEAVER             Certegy        I        I         I        NA
       (PITNEY BOWES)
55     DOCSENSE                 DIALOG                   Certegy        I        I         I        NA
       (PITNEY BOWES)
56     DOCSENSE                 Z4 Ext Maintenance(6)    Certegy        I        I         I        NA
       (PITNEY BOWES)
57     INNOVATION DATA          FDR                      Certegy        I        I         I        NA
       PROCESSING
58     INNOVATION DATA          CPK                      Certegy        I        I         I        NA
       PROCESSING
59     INNOVATION DATA          ABR                      Certegy        I        I         I        NA
       PROCESSING
60     INNOVATION DATA          IAM                      Certegy        I        I         I        NA
       PROCESSING
61     LEVI, RAY AND            VPS                      Certegy        I        I         I        NA
       SHOUP
</TABLE>

                                                                     Page 4 of 6

<PAGE>

                    SECTION B-2: SYSTEMS SOFTWARE - CERTEGY

<TABLE>
<CAPTION>
                                                                               RESPONSIBILITY
                                                                           (I = IBM C = CERTEGY)
ITEM                                   SOFTWARE                     ------------------------------------
 NO.           VENDOR              NAME/DESCRIPTION      LICENSEE   OPER(1)   FIN(2)   MAINT(3)   DEV(4)
----   ----------------------   ----------------------   --------   -------   ------   --------   ------
<S>    <C>                      <C>                      <C>        <C>       <C>      <C>        <C>
62     NETEC INTERNATIONAL      CAFC                     Certegy       I         I         I        NA
63     OPENCONNECT              FTP/SERVER               Certegy       I         I         I        NA
64     OPENCONNECT              OC/SOCKET                Certegy       I         I         I        NA
65     PRIME FACTORS            SECURITY SOFTWARE BCSS   Certegy       I         I         I        NA
                                MVS-formerly PMS(6)
66     SAS INSTITUTE            SAS BASE/MVS(5)          Certegy       I         I         I        NA
67     SAS INSTITUTE            SAS CONNECT/MVS(5)       Certegy       I         I         I        NA
68     SECURITY DYNAMICS        SECUREID                 Certegy       I         C         C        NA
69     STERLING COMMERCE        CONNECT:DIRECT OS390     Certegy       I         I         I        NA
70     STERLING COMMERCE        CONNECT:ENTERPRISE       Certegy       I         I         I        NA
71     SYNCSORT                 SYNCSORT MVS             Certegy       I         I         I        NA
72     UNICOM SYSTEMS           CICS/WINDOWS             Certegy       I         I         I        NA
73     UNITECH                  ACR/PLUS MVS             Certegy       I         I         I        NA
</TABLE>

NOTES:

(1)  "OPER" means operational responsibility for the Systems Software listed in
     this Schedule.

(2)  "FIN" means financial responsibility for license fees, maintenance charges,
     Maintenance Releases, Versions and any other related charges for the
     Systems Software listed in this Schedule.

(3)  "MAINT" means maintenance responsibility, including applying fixes,
     corrections, and minor enhancements (but not necessarily the financial
     responsibility for such) for the Systems Software listed in this Schedule.

(4)  "Dev" means development responsibility, including the programming of any
     regulatory/statutory mandated changes, version upgrades, or major
     enhancements for the Systems Software listed in this Schedule.

(5)  "SUSPENDED LICENSES" - These Certegy licenses will be suspended following
     the Commencement Date and IBM will use its own licenses for these products.
     However, IBM will still be subject to the terms and conditions of [Section
     5.3] of this Transaction Document regarding 'paid up' licenses.

(6)  "In the event the procurement of the Licenses and ongoing Maintenance fees
     for these three products (Prime Factor, CommPro and Z4) collectively exceed
     $200,000 during the Term of this Transaction Document, then any amount over
     $200,000 will be the financial responsibility of Certegy. IBM will notify
     Certegy and obtain Certegy's written approval before exceeding the $200,000
     figure.

With respect to an event where a software product requires replacement, for
example, a software

                                                                     Page 5 of 6

<PAGE>

vendor no longer supports its product or sunsets it product requiring a
replacement with a new supported product requiring a one time acquisition
charge, the following shall apply: (i) Certegy is responsible for any one time
acquisition charge, (ii) with respect to (i) of this paragraph, the Parties will
work together to acquire a replacement product, if any, at the best available
price, (iii) Section 3.11 of the Master Agreement shall apply for the adjustment
of the difference of the reoccurring maintenance charges between the new and
replaced product.

Furthermore, the Parties agree to cooperate in the identification of and pursuit
of opportunities to convert Third Party System Software to IBM System Software.
The Parties will develop a plan to convert certain existing product(s) with IBM
product(s) provided that Certegy shall have no obligation to convert or permit
the conversion of existing products to IBM products. The plan will identify such
criteria and long term cost savings, implementation costs and other factors
necessary for a successful conversion as agreed between the Parties. Upon the
successful implementation of any plan, the parties will amend this Schedule to
appropriately reflect the change in products and attendant charges in the
Supplement, if any.

IBM is assuming Certegy software licenses as of the Effective Date are licensed
at the level required to operate on the current Amdahl 2064E machine rated at
883 MIPS. Certegy is responsible for guaranteeing these licenses are at this
level and if they are not, Certegy is responsible for upgrading these licenses
to the current Amdahl 2064E, 883 MIPS, and will pay any associated costs if
applicable.

                                                                     Page 6 of 6
<PAGE>

                                  SCHEDULE C OF
                           TRANSACTION DOCUMENT #03-01
                                 (UNITED STATES)
                                 MAINFRAME TOWER
                            CERTEGY PROVIDED HARDWARE

This schedule lists the machines (IBM or OEM) that Certegy owns, leases or rents
that IBM requires in order to provide the Services under this Transaction
Document. This is an inventory listing that will be updated through the term of
this Transaction Document.

<TABLE>
<CAPTION>
                   MACHINE
  MACHINE TYPE      MODEL         DESCRIPTION         MACHINE S/N     NOTES
  ------------     -------   ---------------------   ------------   --------
<S>                <C>       <C>                     <C>            <C>
Amdahl 4745/4746             FEP                     3100249
Amdahl 4745/4746             FEP                     3105259
Amdahl 4745/4746             FEP                     3100032
Amdahl 4745/4746             FEP                     3100672
Amdahl 4745/4746             FEP                     3100745
Channel Extender             Computerm               00049          St. Pete
Channel Extender             Computerm               00012          Madison
Channel Extender             Computerm               00134          spare
Round reel tape     4670     STK                     12000001379
Round reel tape     4670     STK                     12000001625
Terminal            3174     IBM                     N7174
   Controllers
Terminal            3174     IBM                     M8562
   Controllers
Terminal            3174     IBM                     BG304
   Controllers
Terminal            3174     IBM                     M8601
   Controllers
Terminal            3174     IBM                     M8568
   Controllers
Terminal            3174     IBM                     M5955
   Controllers
Terminal            3174     IBM                     AC141
   Controllers
Terminal            3174     IBM                     BK098
   Controllers
Terminal            3174     IBM                     AK091
   Controllers
Terminal            3174     IBM                     M8566
   Controllers
Terminal            3174     IBM                     BQ539
   Controllers
Terminal            3174     IBM                     M9599
   Controllers
</TABLE>

Schedule C                 March 14, 2003
CERTEGY/IBM CONFIDENTIAL

                                                                     Page 1 of 2

<PAGE>

<TABLE>
<S>                <C>       <C>                     <C>            <C>
Terminal            3174     IBM                     N7170
   Controllers
Terminal            3174     IBM                     AC195
   Controllers
Terminal            3174     IBM                     M4630
   Controllers
Terminal            3174     IBM                     AC176
   Controllers
Terminal            3174     IBM                     AV320
   Controllers
Terminal            3174     IBM                     AV319
   Controllers
Console Printer
Dumb Terminal                IBM (8 devices)
   Consoles
Workstations                 IBM (8 devices)
9032                005      ESCON Directors
STK Timberline      9490-    4 Tape drives           316000012764
                    M44
STK Timberline      9490     2 tape drives           232000010042
                    M32
STK Round Reel      4670     Tape Drive              12000001625
STK Round Reel      4670     Tape Drive              12000001379
STK 18 Track        4480     Tape Drive              3000003823
                    M22
STK 18 Track        4480     Tape Drive Controller   2000003547
                    M20
</TABLE>

Note: IBM's Annual Service Charge includes hardware maintenance on the Amdahl
4745's and the IBM 9032 ESCON Directors above. Certegy to provide maintenance on
3174's, workstations, consoles, tape drives noted above and Channel Extenders.
The Amdahl 4745's are not subject to refresh by IBM.

                                                                     Page 2 of 2
<PAGE>

                                 SCHEDULE D OF
                          TRANSACTION DOCUMENT #03-01
                                 (UNITED STATES)
                                 MAINFRAME TOWER
                                  IBM MACHINES

This schedule lists the machines (IBM or OEM) that IBM owns, leases or rents and
which IBM requires in order to provide the Services under this Transaction
Document. This is an inventory listing that will be updated through the term of
this Transaction Document.

<TABLE>
<CAPTION>
MACHINE    MACHINE
TYPE        MODEL        DESCRIPTION       MACHINE S/N   NOTES
--------   -------   -------------------   -----------   -----
<S>        <C>       <C>                   <C>           <C>
IBM 2064     1C4     Mainframe
IBM 2105     800     Storage Array-Shark
IBM 2105     800     Storage Array-Shark
IBM 3494     B20     VTS Tape Lib
IBM 3494     B20     VTS Tape Lib
IBM 2064     1C4     PR/SM Feature
</TABLE>

Schedule D                 March 14, 2003
CERTEGY/IBM CONFIDENTIAL

                                                                     Page 1 of 1
<PAGE>

                                  SCHEDULE E OF
                          TRANSACTION DOCUMENT #03-01
                                 (UNITED STATES)
                           MAINFRAME TOWER - MAINFRAME
  SERVICES, LOCATION OF FACILITIES, OPERATIONAL AND FINANCIAL RESPONSIBILITIES

1.0  INTRODUCTION

     A.   This Schedule E "Mainframe Tower" describes certain duties,
          obligations and responsibilities of IBM and Certegy as related to the
          Mainframe Tower operations and management. Unless otherwise expressly
          provided in this Schedule E, all services described herein shall be
          performed and provided by IBM for the charges described in Schedule J,
          and no other charges shall apply to such services.

     B.   During the term of this Transaction Document, IBM will provide
          services to Certegy from the Certegy Data Center where the mainframe
          data processing is performed by IBM and the IBM Data Center which is a
          remote IBM site where console management and other support services
          are provided (the "IBM Data Center"), using the Machines, the
          Applications Software and the Systems Software provided by Certegy and
          IBM as required by this Schedule E "Mainframe Tower". Additionally,
          IBM will provide such other services as requested and approved by
          Certegy during the term of this Transaction Document as New Services
          in accordance with Section 3.12 and Section 9.6 of the Master
          Agreement.

     C.   The descriptions contained in this Schedule E "Mainframe Tower" of
          specific types of services, and methods and procedures used to perform
          such services, set forth how IBM will deliver the Services described
          herein.

     D.   Definitions:

          "NON-PRIME TIME" means all hours other than Prime Time.

          "PRIME TIME" means for US processing 8:00 am - 8:00 pm Eastern
          Standard Time Monday through Friday.

All capitalized terms used and not defined in this Schedule E "Mainframe Tower"
shall have the meanings given them elsewhere in the Agreement.

2.0  SYSTEMS MANAGEMENT CONTROLS

     In general, IBM's Systems Management Controls responsibilities shall
     include, without limitation, the following processes:

Schedule E Mainframe        March 14, 2003
CERTEGY/IBM CONFIDENTIAL

                                                                    Page 1 of 24

<PAGE>

     A.   BATCH MANAGEMENT - controlling production batch work including the
          scheduling of resources, including hardware and software resources,
          the processing of data and transactions and the distribution of
          data/information between users and facilities. Certegy instructions on
          what, when and how to schedule and recover shall be provided to IBM
          and documented in the Procedures Manual. Setup and scheduling shall be
          performed and controlled by IBM in cooperation with Certegy and in
          accordance with the Procedures Manual except for the automatic
          scheduling that will be performed by the Systems Software and
          Applications Software. Batch jobs run outside of the CA-7 batch
          processing system are the responsibility Certegy to support.

     B.   CAPACITY MANAGEMENT - the maintenance of tactical and strategic plans
          to ensure that the mainframe environments accommodate Certegy's
          capacity plans and business requirements. The capacity management
          processes will require Certegy's input and review. As part of its
          capacity management responsibilities, IBM will monitor Certegy
          resource usage and make recommendations on how to reduce and/or
          improve resource usage and/or consumption.

     C.   CHANGE MANAGEMENT - to assess timing or impact of the proposed changes
          to the production environment as limited to areas under IBM management
          including operating system and hardware changes, schedule the
          promotion into the production environment as appropriate, notify the
          appropriate functions and verify successful implementation.

     D.   CONFIGURATION MANAGEMENT - for processing mainframe hardware and
          software configuration changes and maintaining lists and diagrams of
          systems configurations.

     E.   INVENTORY MANAGEMENT - of the Machines (including incoming and
          outgoing) in the Certegy and IBM Data Centers and other areas for, or
          from, which IBM is providing the Mainframe Tower services.

     F.   ON-LINE MANAGEMENT - for providing and coordinating the appropriate
          skills, information, software tools and procedures required to manage
          the on-line System environment, excluding Application Software -
          Certegy, as provided in Schedule A to the Transaction Document.

     G.   PERFORMANCE MANAGEMENT - to monitor, measure, analyze and report
          System performance as it compares to the Performance Standards and
          Minimum Service Levels and recommend and implement performance
          improvements. Where warranted, either Party may request the other
          Party to make commercially reasonable changes to enable System
          performance improvement, it being understood that all such changes are
          subject to the mutual agreement of the Parties.

                                                                    Page 2 of 24

<PAGE>

     H.   PROBLEM MANAGEMENT - to identify, record, track, correct and
          communicate to Certegy issues impacting the Services delivery,
          recognize recurring problems, address procedural issues and contain or
          reduce the impact of problems that occur.

     I.   Recovery MANAGEMENT - for planning, establishing and testing the
          recovery procedures required to provide the Mainframe Tower services
          to Certegy in the event of a failure. This includes, without
          limitation, a failure giving rise to invoking the Disaster Recovery
          Plan. The intent of this process is to anticipate and minimize the
          impact of systems resource failure through the development of
          predefined, documented procedures and software/hardware recovery
          capabilities. Unless otherwise agreed by the Parties in writing,
          Certegy's instructions on what and how to recover shall be provided to
          IBM and included in the Procedures Manual.

3.0  MAINFRAME TOWER OPERATIONS

     A.   Management of the Services by IBM

          IBM shall be responsible for the operation and management of the
          Mainframe Tower Services described herein. This responsibility shall
          include establishing and maintaining a properly trained and adequately
          staffed IBM population, including necessary management and support
          staff.

          IBM shall make available, monitor and process on-line and batch
          applications, including scheduled, unscheduled and on-request services
          as well as end user initiated processing. Included in such
          responsibilities, IBM shall:

          1.   Support all test and production environments within the scope of
               the IBM responsibilities as defined by this Transaction Document;

          2.   Provide and perform console monitoring activities from the IBM
               Data Center;

          3.   Operate Applications Software as listed in Schedule A and as
               documented in the Procedures Manual to support the operating
               schedules of Certegy with applicable Mainframe Tower services
               availability, twenty-four (24) hours per day, seven (7) days per
               week (subject to Scheduled Downtime, Excusable Downtime or agreed
               to schedules);

          4.   Perform all technical system support operations, including DASD
               management, System programming of this Schedule E, capacity
               monitoring as described in Section 2.0 B of this Schedule E and
               performance tuning for the Systems Software;

                                                                    Page 3 of 24

<PAGE>

          5.   As defined in Attachment 1 to this Schedule E "Mainframe Tower,"
               provide support for the Machines and the Systems Software;

          6.   Schedule Systems Software and Machines maintenance so as to
               minimize interference with Certegy and Certegy Authorized Users;

          7.   Complete all processing schedules as per established schedules on
               time and in the correct sequence set forth in the Procedures
               Manual;

          8.   Process all agreed upon special request activities including
               promotes and ad-hoc job submissions submitted through the
               processes as defined in the Procedures Manual within the
               requested time frames and in the sequence defined by Certegy;

          9.   Provide and maintain access to, and software compatibility with,
               external systems necessary for the performance and provision of
               the Services required by this Schedule E;

          10.  Continuously endeavor to enhance processing capabilities and
               efficiencies of the Machines through technology changes, system
               tuning and other run-time improvements and communicate to Certegy
               such enhanced processing capabilities and efficiencies on a
               quarterly basis;

          11.  Perform daily monitoring of utilization and efficiencies and
               provide monthly reporting on performance and capacity trends as
               measured against workloads for the Machines and Systems Software;

          12.  Operate, support and maintain third-party products and services
               as set out in Schedule B which includes pro-active System level
               password maintenance and ordering new releases from the
               suppliers;

          13.  Provide support for the Machines, the Systems Software running on
               such Machines and Systems Software support for the Applications
               Software to the extent necessary to provide the Services
               described; and

          14.  Work with Certegy to develop a mutually agreeable service
               improvement plan on a quarterly basis which will include a full
               review of service issues, actions and improvements to occur at
               the end of each quarter.

                                                                    Page 4 of 24
<PAGE>

     B.   Production Control

          IBM shall maintain production schedules and cooperate with Certegy by
          responding to special processing requests and new processing
          requirements by following mutually agreed upon processes or
          procedures. Included in such responsibilities, IBM shall:

          1.   Make no change to the production environment without the prior
               approval of Certegy; provided, however, that if Certegy's refusal
               to agree to a change to the production environment causes
               demonstrable impact on IBM's ability to meet any Performance
               Standard or Minimum Service Level, then Certegy shall excuse IBM
               from those Performance Standard(s) or Minimum Service Level(s) to
               the extent such failure is due directly to Certegy's refusal to
               allow change to the production environment;

          2.   Assure that all programs are moved from the application
               development and test environments to the production environment
               in a controlled and documented manner, which must in all cases be
               approved in advance through the Change Control Process;

          3.   Schedule all Certegy Data Center projects within the agreed
               Scheduled Downtime outage window so as not to unreasonably
               interrupt Certegy business operations; all such projects must
               receive prior approval through the Change Control Process;

          4.   Document and provide to Certegy a notification of all Data Center
               changes performed for emergency purposes or as otherwise not
               precluded in Section 3.0(B)(1) above as soon as practicable, but
               no later than the end of the next day after the change was made;

          5.   Prioritize and schedule batch jobs and report distribution
               systems subject to Certegy's schedule parameters, including but
               not limited to, automated scheduling features in the Applications
               Software and Certegy's specific directions so on-line
               applications dependent on batch processing and batch process
               outputs shall be available as scheduled;

          6.   Distribute and obtain Certegy approval for major production
               control schedule changes prior to implementation;

          7.   Update the scheduler data base, as required, to reflect changes
               to the production environment;

          8.   Monitor scheduler related incidents, and develop and recommend
               refinements and revisions to the scheduler data base;

          9.   Coordinate and modify schedules for special requests and follow
               Certegy priorities. IBM will promptly notify Certegy if such
               special requirements

                                                                    Page 5 of 24

<PAGE>

               will affect either the timely completion of other tasks or IBM's
               ability to meet its obligations under this Transaction Document
               and this Schedule E "Mainframe Tower";

          10.  Respond expeditiously to requests from Certegy for priority job
               execution; and

          11.  Identify possible product and technology enhancement
               opportunities for improved performance and notify the IPT of
               these opportunities.

     C.   File Services

          IBM shall manage files on the Machines in a manner which shall ensure
          the availability and integrity of all Certegy and Authorized User
          data. The file management procedures will, among other issues, require
          Certegy to use industry standard access methods for file I/O data
          management or other acceptable access methods as mutually agreed.
          Included in such responsibilities, IBM shall:

          1.   Ensure that all files under IBM's control are current and
               available during scheduled access times;

          2.   Initiate and complete required data processing activities to
               ensure the data is processed, with data integrity (e.g., handling
               line transmission errors) of all processed files, according to
               the specifications set forth in the Procedures Manual;

          3.   Verify, using tools and procedures set forth in the Procedures
               Manual, the successful receipt of all incoming files and the
               successful processing and transmission of all outgoing files;

          4.   Document, maintain and, as appropriate, update and execute
               mutually approved volume or file back-up and recovery procedures;

          5.   Provide a recovery procedure for restoring the data image to a
               previous level within a mutually agreed amount of time;

          6.   Conduct regularly scheduled back-up and recovery procedures as
               set forth in the Procedures Manual (e.g., data set restore), so
               as not to impact scheduled operations and provide recommendations
               to the IPT regarding back-up and recovery considerations, such as
               improved levels of protection, efficiencies and cost reductions;

                                                                    Page 6 of 24

<PAGE>

          7.   Report disk space utilization and requirements for capacity
               planning purposes as a section of the monthly reports;

          8.   Assist and advise Certegy in utilizing disk storage resources in
               an efficient and cost effective manner; and

          9.   Identify possible product and technology enhancement
               opportunities for improved performance and notify the IPT of
               these opportunities.

     D.   Tape Management

          IBM shall provide tape management services. Included in such
          responsibilities, IBM shall:

          1.   Update Certegy's tape management procedures, as appropriate and
               with Certegy's consent, including procedures related to periods
               of retention of tapes, which periods were defined and provided to
               IBM by Certegy for auditing purposes, and include such procedures
               in the Procedures Manual;

          2.   Provide logging and tracking of physical tapes in and out of the
               Certegy Data Center and provide required rotation of tapes for
               off-site vault storage;

          3.   Establish and follow procedures to log and track physical tapes
               that are checked in and checked out to third party vendors,
               Certegy, and Authorized Users;

          4.   Store tapes, as appropriate, at secure off-site vault storage;

          5.   Complete tape mounts in sufficient time to meet production
               processing requirements;

          6.   Complete tape mounts for non-production processing;

          7.   Ensure tape media is reliable and read/write errors are kept to a
               minimum;

          8.   Ensure adequate supplies for the tape environment are maintained
               and that the scratch tape pool is sufficient to service all
               required processing;

          9.   Retrieve archived tapes and restore required volumes or files and
               data sets within the mutually agreed time frames set forth in the
               Procedures Manual;

          10.  Upon Certegy's reasonable request, provide Certegy with the right
               to monitor and access tape management operations, mailing and
               receipt control; and

          11.  Identify possible product and technology enhancement
               opportunities for improved performance and notify the IPT of
               these opportunities.

                                                                    Page 7 of 24

<PAGE>

     E.   Data Base Administration

          IBM shall be responsible for managing certain portions of the data
          base environment. Included in such responsibilities, IBM shall:

          1.   Assist Certegy in planning for changes in the size of data bases
               due to business growth or reduction and applications development
               projects, and review and comment on Certegy's plans on a regular
               basis;

          2.   Provide operating systems data base support for DB2 Software for
               Certegy's data base environments and those Certegy data base
               environments established by IBM;

          3.   In cooperation with Certegy, monitor and report data base
               performance and data base space utilization and identify,
               recommend and implement practical modifications as agreed with
               Certegy for improved performance;

          4.   Maintain and implement data base archive processes and procedures
               provided by Certegy to meet Certegy's business requirements and
               requests;

          5.   Maintain and implement data base back-up procedures provided by
               Certegy, to recover from a data base outage or corrupted data
               base within time frames specified in the Procedures Manual;

          6.   Promote data base changes into the production environment as
               approved and directed by Certegy;

          7.   Maintain the standard data base System Software access routines
               and document any changes to same under the Change Control
               Process;

          8.   Assist in problem determination and resolution of data base
               management system issues including escalation to the Systems
               Software vendor;

          9.   Perform data base management system (DBMS) security
               administration; and

          10.  Identify possible product and technology enhancement
               opportunities for improved performance, and notify the IPT of
               these opportunities.

          Certegy will be responsible for managing the following portions of the
          data base environment:

          1.   Physical data base definitions;

          2.   Data Modeling;

          3.   Logical database design;

          4.   Physical database design;

          5.   Physical database review and support;

                                                                    Page 8 of 24

<PAGE>

          6.   Authorized User access (views, copy members etc.);

          7.   Primary responsibility for database application security;

          8.   Training and application development assistance;

          9.   DBMS backup and recovery procedures; and

          10.  Primary responsibility for database troubleshooting and problem
               resolution.

     F.   Output

          IBM shall provide output processing and operational support necessary
          to create and deliver output files required for transmission and tape
          file output. Included in such responsibilities, IBM shall:

          1.   Produce and deliver output files within the agreed to schedules;

          2.   Track, manage, communicate and resolve problems related to
               delivering output files;

          3.   Separate, package, label, scan and track all tape output and
               ensure that it is properly distributed to the mutually agreed to
               distribution drop point within the mutually agreed upon time
               frames;

          4.   Ensure that all files are in the output queue and where
               applicable available for transmission to the appropriate Certegy
               internal departments and/or external customers within the
               mutually agreed upon time frames;

          5.   Provide output print files to Certegy or Authorized Users for
               online viewing using online view software specified in Schedule B
               "Mainframe Tower" or for printing or storing at its or their
               respective sites;

          6.   Assist in finding, tracing or replacing lost or missing file
               output;

          7.   Execute reruns of output requested by Certegy and notify Certegy
               if rerunning any output shall impact scheduled on-line or batch
               production processing; and

          8.   Identify possible enhancement opportunities for improved output
               performance and notify the IPT of these opportunities; and

          9.   Provide output services on a 24 by 7 basis or within the
               timeframes Certegy provides shipping service.

                                                                    Page 9 of 24

<PAGE>

     G.   Quality Assurance

          IBM shall be responsible for providing quality assurance services.
          Included in such responsibilities, IBM shall:

          1.   review problem reports and recommend/implement appropriate fixes
               with Certegy's approval;

          2.   maintain and update the Applications Software installation
               standards documentation set forth in the Procedures Manual;

          3.   in conjunction with Certegy, review new Certegy production jobs
               and JCL for correctness and conformance to mutually agreed to
               standards for efficient resource utilization;

          4.   participate in weekly meetings, or on such other frequency agreed
               to by the Parties, with Certegy designees to review any Change
               Request in accordance with the Procedures Manual.

     H.   Emergency Restoration of Services

          IBM shall be responsible for providing certain emergency restoration
          services. Included in such responsibilities, IBM shall:

          1.   develop and/or implement Data Center procedures, as required, to
               support Certegy's emergency restoration of Services;

          2.   work with Certegy's designated emergency plan coordinator to
               assure Data Center support plan meets Certegy's requirements and
               obtain Certegy's approval of procedures; and

          3.   invoke the Disaster Recovery Plan as applicable, in accordance
               with Schedule G to this Transaction Document.

     I.   Information Security

          IBM shall provide and implement security access control tools for
          data, databases and other information repositories and for
          applications, operating systems and libraries in accordance with
          Schedule L "Mainframe Tower" to this Transaction Document. IBM shall
          cooperate with and assist Certegy and its customers to allow its or
          their security administrators to complete their duties.

     J.   Software Support and Maintenance

          IBM shall provide support for all Systems Software. IBM will be
          responsible for performing the problem determination, applying
          maintenance fixes and

                                                                   Page 10 of 24

<PAGE>

          coordinating third party maintenance providers. IBM will provide
          Systems Software maintenance and support as set forth in this
          Transaction Document.

          Included in such responsibilities, IBM shall:

          1.   Perform the maintenance and support responsibilities described in
               Attachment 1 to Schedule E "Mainframe Tower".

          2.   Be responsible for providing and implementing agreed quality
               assurance processes and procedures as reasonably necessary to
               ensure that IBM's Systems Software maintenance and support
               responsibilities are executed accurately and in a timely manner.
               Subject to the foregoing, the Parties shall mutually agree upon
               terms and conditions for conducting checkpoint reviews, Software
               testing and acceptance and other quality assurance procedures.
               These procedures shall be included in the Procedures Manual.

          3.   Provide software maintenance for Systems Software listed in
               Schedule B "Mainframe Tower" of this Transaction Document. IBM
               will employ a maintenance methodology, including standards for
               work plans, design and programming, as set forth in the
               Procedures Manual.

          4.   Apply preventative maintenance and program temporary fixes, as
               set forth in this Schedule E "Mainframe Tower" and Attachment 1
               to Schedule E "Mainframe Tower", to correct defects in the
               Systems Software running in the Data Center. IBM will also
               provide or obtain new Versions and releases, upgrades,
               replacements or additional Systems Software as agreed to by the
               Parties in order to perform the Services described in this
               Schedule E in accordance with its obligations under this
               Transaction Document. IBM will maintain the Systems Software
               release levels at supported levels from the applicable third
               party vendors.

          5.   Provide System support during Prime Time hours, and on-call
               support and coverage for the System during Non-Prime Time hours,
               including scheduled holidays. IBM will provide escalation
               procedures for IBM's on-call support to Certegy. The actual
               contact listing and organizational structure for System support
               will be set forth in the Procedures Manual. IBM will also provide
               System support to Certegy application programmers without charge
               unless IBM is required to enlist or engage additional resources
               not covered by the Monthly Charge payable by Certegy to IBM
               hereunder during critical testing periods for Applications
               Software - Certegy changes or enhancements, upon receipt of
               reasonable advance notice from Certegy.

          Certegy shall be responsible for Applications Development,
          Applications Maintenance, problem determination for Applications
          Software - Certegy and requesting and scheduling necessary Systems
          resources for all Applications

                                                                   Page 11 of 24

<PAGE>

          Software - Certegy.

     K.   Training and Technical Documentation

          1.   IBM will provide training on the IBM Software, processes and
               hardware functionality for designated Certegy personnel
               ("train-the-trainer") without charge unless IBM is required to
               enlist or engage additional resources not covered by the Monthly
               Charge payable by Certegy to IBM hereunder. IBM will also provide
               to Certegy copies of the technical documentation for IBM Software
               as required, in quantities and at a frequency to be mutually
               agreed upon by the Parties.

          2.   Certegy will provide training on the Certegy Software for
               designated IBM personnel ("train-the-trainer"). Certegy will also
               provide copies of the technical documentation for Certegy
               Software as required, in quantities and frequency to be mutually
               agreed by the parties.

     L.   General Support Services

          1.   IBM will provide and/or coordinate maintenance services for the
               Machines.

          2.   IBM will install, rearrange and relocate the Machines in the
               Certegy Data Center, at IBM's expense and with the approval of
               Certegy, in order to perform the Services described in this
               Schedule E in such a manner so as to minimize service impact to
               Certegy or its Authorized Users. Certegy will be responsible for
               ongoing environmental expenses (i.e. electric power, HVAC etc.).
               In the event Certegy requests IBM to install, rearrange and
               relocate the Machines in the Certegy Data Center, Certegy shall
               be financially for such effort.

          3.   Certegy will, as requested or as necessary or required to provide
               the Services, negotiate leases, license agreements, and vendor
               contracts for any leases, license agreements and vendor contracts
               related to the Certegy In-scope Operations.

          4.   IBM shall provide Certegy with reports that, at a minimum, will
               include those reports set forth below. Where possible and
               economically feasible, using software and resources being used to
               provide the Services, described in this Schedule E, IBM shall
               provide Certegy with the capability to download data base
               information and create Certegy's own reports. IBM shall provide
               to Certegy the following:

                    a)   a daily morning performance report in form and
                         substance to be agreed upon by the Parties;

                                                                   Page 12 of 24

<PAGE>

                    b)   a monthly performance report documenting IBM's
                         performance of the Services as measured against the
                         applicable Performance Standards and Minimum Service
                         Levels;

                    c)   a monthly, rolling quarterly "look ahead" schedule for
                         ongoing and planned IBM Data Center changes. The status
                         of IBM Data Center changes will be monitored and
                         tracked against the applicable schedule;

                    d)   a monthly change report setting forth a record of all
                         changes performed during the previous month; and

                    e)   such documentation and other information as may be
                         reasonably requested by Certegy in order to verify the
                         accuracy of the reports specified above.

               The content and format of all reporting is to be agreed by the
               Parties and should contain data on the overall performance of the
               service on a snapshot and rolling trend basis where appropriate.
               Outages impacting service, and any change, problem or other data
               which could assist service improvements should be provided either
               on request or as part of scheduled reporting.

          5.   IBM and Certegy will jointly review vendor proposals related to
               the System components affecting IBM's ability to provide the
               Services described in this Schedule E to ensure existing System
               and future System compatibility with changing industry standards.
               IBM will advise Certegy regarding new data processing
               technologies as appropriate through participation in the IPT.

          6.   IBM will establish and maintain contact with vendors providing
               information technology services or products to Certegy and
               apprise Certegy of the latest technological developments through
               participation in the IPT.

          7.   IBM will participate in service review meetings with vendors and
               service providers who provide services relating to this
               Transaction Document, as reasonably requested by Certegy.

          8.   The Parties will mutually determine an appropriate set of
               periodic meetings to be held between representatives of Certegy
               and IBM. These meetings will include the following:

                                                                   Page 13 of 24

<PAGE>

                    a)   a daily meeting among operational personnel to discuss
                         ongoing issues relating generally to daily performance
                         and planned or anticipated activities and changes;

                    b)   a monthly management meeting of the IPT to review the
                         performance report, the project schedule report, the
                         changes report, and such other matters as appropriate;

                    c)   meeting of the IPT to review relevant contract and
                         performance issues; and

                    d)   the Parties will jointly conduct an annual meeting to
                         be scheduled in January or as otherwise agreed by the
                         Parties to review the capacity requirements for
                         purposes of performing the Parties' obligations under
                         this Transaction Document and Schedule J to this
                         Transaction Document for the upcoming year (the "Annual
                         Planning Meeting").

     N.   Certegy Responsibilities

          1.   Certegy Software

               During the term of this Transaction Document, Certegy will be
               responsible for selecting, or defining requirements for, all
               Certegy Software. IBM agrees to use any Certegy Software, subject
               to the provisions of Section 3.8 of the Master Agreement. If new
               Systems Software is required to support Certegy Software, IBM
               will be compensated for incremental costs, if any, associated
               with the new Systems Software. Certegy will also retain
               responsibility for maintenance, support and all license and
               related charges for all applicable Applications Software-Certegy.

               Certegy shall approve all new Applications Software-Certegy prior
               to its promotion into production.

          2.   Support Services

               Certegy shall:

               a)   design and document application information requirements,
                    including report design and content, frequency of reports,
                    and accessibility to information;

               b)   be responsible for management, operations, maintenance and
                    support for equipment currently managed or supported outside
                    the Certegy In-Scope Operations;

               c)   be responsible for the provision of resources for business
                    recovery services for such other applications for which
                    Certegy might wish

                                                                   Page 14 of 24

<PAGE>

                    to provide recovery other than those for which Disaster
                    Recovery Services are to be provided by IBM pursuant to
                    Schedule G to this Transaction Document;

               d)   perform all mail, messenger, postage, and courier services
                    for Certegy users;

               e)   perform such other Certegy activities and functions as are
                    described in this Transaction Document;

               f)   provide physical security controls at the Certegy Data
                    Center including secure storage for the Tapes;

               g)   Batch jobs run outside of the CA-7 batch processing system
                    are the customer's responsibility to support;

               h)   Notify Certegy Authorized Users of scheduled mainframe,
                    application downtime; and

               I)   Production Support - work with IBM to automate manual batch
                    and production control processes where appropriate to
                    improve workflow processes and eliminate potential execution
                    issues.

                                                                   Page 15 of 24

<PAGE>
                     ATTACHMENT 1 TO SCHEDULE E MAINFRAME OF
                           TRANSACTION DOCUMENT 03-01

  SERVICES, LOCATION OF FACILITIES, OPERATIONAL AND FINANCIAL RESPONSIBILITIES

                        SERVICES RESPONSIBILITIES MATRIX

R = IDENTIFY REQUIREMENTS A = ASSIST X = PERFORM P = PRIMARY S = SECONDARY

                           MAINFRAME TOWER - SERVICES

<TABLE>
<CAPTION>
                                                                                   RESPONSIBILITY
                                                                                   --------------
DESCRIPTION                                                                        IBM    CERTEGY
-----------                                                                        ---   --------
<S>                                                                                <C>   <C>
1.0  OPERATIONS
     A.  Operate console                                                            X
     B.  Update batch schedule                                                      X        A
     C.  Execute batch schedule                                                     X

2.0  TAPE MANAGEMENT
     A.  Define and provide requirements for tape processing                                 R
     B.  Select tape hardware per requirements                                      X
     C.  Select tape media per requirements                                         X
     D.  Mount tapes                                                                X
     E.  Define and provide tape retention policies                                          R
     F.  Implement tape retention policies                                          X
     G.  Determine new tape ranges                                                  X
     H.  Update/maintain scratch tape inventory                                     X
     I.  Provide requirements for physical tape storage                             X
     J.  Implement physical tape storage methodology                                X
     K.  Perform audit (processes, controls, etc.) of tape library                  X
     L.  Review results of tape library audit                                       P        S
     M.  Set tapes to scratch status                                                X
     N.  Tape shipping
         1. Define and provide requirements for shipping tapes                               R
         2. Ship tapes per requirements                                             X        A
         3. Sign tapes in/out of tape library                                       X
     O.  Tape library management
         1. Define requirements for tape management system                          R
         2. Determine tape management system                                        P        S
         3. Install /maintain tape management system                                X
         4. Add new tape/Volser ranges to library system                            X
     P.  Vaulting
         1. Define tape vaulting requirements                                                R
         2. Implement tape vaulting requirements                                    X        X
         3. Determine tape vaulting company                                         X
         4. Manage off-site tape archive storage facilities                         X
         5. Ship/receive tapes to/from vault                                        X        A
</TABLE>

                                                                   Page 16 of 24

<PAGE>

<TABLE>
<S>                                                                                <C>   <C>
     Q.  Inventory tracking
         1. Inventory tapes from new business source                                         X
         2. Determine/implement tape inventory tracking                             X
         3. Perform inventory of all tapes annually                                 X

3.0  SYSTEMS MANAGEMENT AND CONTROL
     A.  File backup/recovery (recovery management)
         1. Define System backup and recovery requirements                          A        R
         2. Perform System backup and recovery processes                            X
         3. Define application backup and recovery requirements                              R
         4. Perform application backup and recovery processes as documented         X        A
     B.  Document operations procedures                                             X
     C.  Job accounting statistics                                                  X        A
     D.  Hardware planning and installation
         1. Technology input                                                        X        A
         2. Hardware selection                                                      X        A
         3. Determine System hardware requirements                                  X        R
         4. Participate in IPT hardware planning meetings                           X        X
     E.  Capacity management
         1. Define and maintain process documents for the Data Center               P        S
         2. Define Applications Software plans and requirements                     A        X
         3. System capacity monitoring                                              P        S
         4. Application Software - Certegy capacity monitoring/management           A        X
     F.  Performance management
         1. Define Performance Standards and MSL                                             X
         2. Document IBM's performance against the MSL                              X
         3. Implement System performance improvements                               X        A
         4. Provide monthly performance reports                                     X
         5. Implement application performance improvements                          A        X
     G.  Change management
         1. Define and maintain process documentation                               P        S
         2. Provide change requirements for Applications Software - Certegy                  X
         3. Provide change requirements for System (excluding Applications
            Software - Certegy)                                                     X
         4. Provide change requirements for Systems Software                        X
         5. Conduct IPT meeting                                                     X        A
         6. Promote System changes to production                                    X
         7. Report on System change success                                         X
         8. Close Change Request assigned to Certegy                                         X
         9. Close Change Request assigned to IBM                                    X
     H.  Executive reporting for System performance                                 P        S
</TABLE>

                                                                   Page 17 of 24

<PAGE>

<TABLE>
<S>                                                                                <C>   <C>
3.0  SYSTEM MANAGEMENT AND CONTROL PART 2
     I.  Problem management
         1. Define and maintain the process documentation                           X        A
         2. Record incident reports production problems                             X
         3. Distribute incident reports to support                                  X
         4. Provide input on incident reports                                       X
         5. Track incident reports through resolution                               X
         6. Close incident reports assigned to Certegy                                       X
         7. Close incident reports assigned to IBM                                  X
         8. Perform root cause analysis for Applications Software - Certegy                  X
         9. Perform root cause analysis for ail other problems                      X
     J.  System security (i.e., RACF,CICS, TSO)
         1. Administration                                                          X
         2. Execution                                                               X
     K.  System monitoring (mainframe, CICS, etc.)                                  X
     L.  Performance tuning
         1. IBM Machines                                                            X
         2. Applications Software - Certegy                                                  X
         3. Systems Software and Application Software - IBM                         X
     M.  Provide input and assist to troubleshooting
         1. Systems Software                                                        X
         2. Application Software - Certegy                                          A        X
     N.  Perform troubleshooting/problem resolution                                 X
     O.  Provide Applications Software programmer assistance                        A
     P.  Provide input on System backup/recovery requirements                                X
     Q.  Perform System backup /recovery procedures                                 X
     R.  Perform System backup/recovery job execution                               X
     S.  Perform VTAM/NCP installation                                              X
     T.  New technology/product research
         1. System technology input/review                                          P        S
         2. System technology selection                                             P        S
         3. Technology implementation                                               X
     U.  New technology/product research (existing scope)
         1. Technology input/review                                                 P        S
         2. Technology selection                                                    P        S
         3. Technology implementation                                               X
     V.  VTAM/NCP change
         1. Consult on protocol, interface standards, connectivity                  A        X
         2. FEP configuration management and documentation                          X
</TABLE>

                                                                   Page 18 of 24

<PAGE>

<TABLE>
<S>                                                                                <C>   <C>
4.0  DATABASE SYSPROG SUPPORT
     A.  Plan database Systems Software changes and maintenance                        X
     B.  Install database Systems Software for product trials and evaluations          X
     C.  Perform software installs/upgrades to ensure operations stability,
         system Availability and the enabling of new functions                         X
     D.  Configure database Systems Software environments                              X
     E.  Enable and maintain Systems Software security interfaces                      X
     F.  Apply Systems Software maintenance as required to maintain vendor
         currency, system Availability, performance, and operational stability.        X
     G.  Backup and restore database Systems Software components                       X
     H.  Implement and maintain database and Systems Software general
         operational and support procedures, including database Systems Software
         startup/shutdown                                                              X
     I.  Install, configure and support the standard platform and toolset for
         databasesystem monitoring and management                                      X
     J.  Implement and maintain database Systems Software monitoring, response
         and data collection procedures to ensure continued aces ability,
         availability and performance                                                  X
     K.  Respond to database system monitoring alerts and exceptions, and
         provide database system problem recovery and resolution                       X
     L.  Tune database Systems Software performance by analyzing data, making
         recommendations, and implementing database Systems Software tuning
         improvements                                                                  X     A
     M.  Carry out the orderly removal of software products and components at
         software retirement time                                                      X
     N.  Dispose of vendor materials at software retirement time, including
         return to the vendor where appropriate                                        X     A
     O.  Develop, maintain, and periodically test the Disaster Recovery Plans
         and the database Systems Software                                             X     A

4.0  DATABASE APPLICATION SUPPORT
     A.  Develop and maintain data models                                                    X
     B.  Develop and maintain logical application database design                            X
     C.  Develop and maintain physical application database design                           X
     D.  Define and implement application database access and security policies              X
     E.  Administer application database user access authorizations                          X
     F.  Manage application capacity requirements                                            X
     G.  Monitor and respond to application events                                           X
     H.  Resolve problems related to application database design                             X
     I.  Plan and implement application database design changes to improve
         performance, including index modifications                                          X
     J.  Perform application testing for new DBMS software maintenance changes               X
     K.  Establish, maintain and support application database components in
         application enabling and production environments                                    X
     L.  Migrate application database components between application
         environments (e.g. development to production)                                       X
</TABLE>

                                                                   Page 19 of 24

<PAGE>

<TABLE>
<S>                                                                                <C>   <C>
     M.  Convert database structures, by adding and deleting fields and indices,
         and making similar application database environment changes. Implement
         approved application design changes                                                 X
     N.  Provide application database space management (reorganization, regular
         maintenance, placement, capacity, etc.)                                             X
     O.  Implement and maintain application database CSC (Help Desk) procedures
         and on-call procedures                                                              X
     P.  Implement and maintain application database monitoring, response, and
         data collection procedures to ensure continued capacity, availability
         and performance                                                                     X
     Q.  Respond to application database monitoring alerts and exceptions, and
         provide application database problem recovery and resolution                        X
     R.  Tune application database system performance by analyzing data, making
         recommendations, and implementing application database tuning
         improvements                                                                        X
     S.  Optimize application database utilities, job streams, and storage usage             X
     T.  Maintain application database security                                              X
     U.  Develop, implement, and execute application database backup and
         recovery procedures                                                                 X
     V.  Execute Performance Acceptance testing of new data base applications                X
     W.  Establish and support application database components during software
         trials and evaluations                                                              X

5.0  FAILURE AND DISASTER RECOVERY
     A.  Define Disaster Recovery requirements                                      A        X
     B.  Define customer connectivity requirements                                  A        X
     C.  Maintain Disaster Recovery Plan                                            X        A
     D.  Coordinate Disaster Recovery testing                                       X        A
     E.  Perform Disaster Recovery testing for System                               X        A
     E2. Perform Disaster Recovery testing for Applications Software - Certegy      A        X
     F.  Declare Disaster                                                           A        X
     G.  Execute Data Center Disaster Recovery procedures                           X        A
     H.  Execute network Disaster Recovery procedures                               A        X
     I.  Execute Applications Software - Certegy disaster recovery procedures       A        X
     J.  Resolve Machine failure                                                    X
     K.  Resolve Systems Software failure                                           X
     L.  Resolve Applications Software - Certegy failure                                     X
     M.  Resolve Applications Software - IBM failure                                X

6.0  DASD MANAGEMENT
     A.  Provide capacity plan for storage requirements                             A        X
     B.  Physical design                                                            X        A
     C.  Capacity planning for hardware                                             X
     D.  Performance management                                                     X
     E.  Performance utilization tracking                                           X
     F.  Perform System backup/recovery procedures                                  X
</TABLE>

                                                                   Page 20 of 24

<PAGE>

<TABLE>
<S>                                                                                <C>   <C>
     F2. Perform Applications Software - Certegy data backup/recovery procedures    X        A
     F3. Define System backup/recovery procedures                                            X
     G.  Troubleshooting/resolution                                                 X
</TABLE>

                                                                   Page 21 of 24

<PAGE>

<TABLE>
<S>                                                                                <C>   <C>
7.0  PRODUCTION CONTROL
     A.  Scheduling Systems Software
         1. Install/update changes                                                  X
         2. Scheduler testing/support                                               X
         3. Build scheduler plans                                                   X        A
         4. Execute production jobs                                                 X
     B.  Production scheduling
         1. Input to JCL standards                                                  A        X
         2. Develop/maintain JCL standards                                          A        X
         3. Review JCL for standards compliance                                     X
         4. Code and test JCL                                                       A        X
         5. Document job flow/job streams-development team                          S        P
         6. Document job restart/rerun-development team                             S        P
         7. Document job prerequisites and priorities                               S        P
         8. Maintain scheduling manual in production control                        X
         9. Provide and maintain application run-books                                       X
     C.  Promote production code                                                    X
     D.  Parameter card input                                                                X
     E.  Parameter card update - Certegy managed                                             X
     F.  Parameter card update - IBM managed                                        X
     G.  Certegy calendar/scheduler input                                           X        A
     H.  Scheduling calendar                                                        X
     I.  Batch test schedule
         1. Define/develop test requirements                                        A        X
         2. Execute test batch cycle                                                A        X
     J.  Batch/online production schedule
         1. Provide scheduler input (production job requirements)                            X
         2. Scheduler updates                                                       X
         3. Provide input on scheduling conflicts                                   X        A
         4. Resolve scheduling conflicts                                            A        X
         5. Execution                                                               X
         6. Production checks and balances process                                  A        X
     K.  Job execution
         1. Monitor production job execution                                        X
         2. Address/escalate batch failures as documented                           X
         3. Maintain application support documentation                                       X
     L.  Applications Software installation
         1. Acceptance testing                                                               X
         2. Verification/approval process                                                    X
         3. Promote to production                                                   X
     M.  Systems Software support
         1. Maintain Systems Software at supported levels                           X
         2. Maintain Systems Software utilities and products                        X
         3. Select Systems Software                                                 P        S
         4. Implement Systems Software                                              X
         5. Interface to vendors for problem resolution                             X
     N.  Advise of Systems Software change impact                                   X
</TABLE>

                                                                   Page 22 of 24

<PAGE>

<TABLE>
<S>                                                                                <C>   <C>
8.0  MAINFRAME INFORMATION AND DATA NETWORK SECURITY
     A.  Install, maintain and upgrade new or existing security software            X
     B.  Define access control software requirements                                         X
     C.  Maintain the access control software                                       X
     D.  Identify and document the data security requirements                                X
     E.  Implement the documented protection requirements for End User data         X
     F.  Manage logon IDs and authorities for IBM employees                         X        A
     G.  Identity Certegy employees Logon and authorities                                    R
     H.  Manage logon IDs and authorities for Certegy employees                              X
     I,  Establish criteria for management and reset of users' passwords            A        X
     J.  Review, approve and grant requests for privileged user authorities         X        R
     K.  Applications Software password authorization and administration                     X
     L.  Logs and alerts monitoring and response                                    X      R/A
     M.  Incident investigation                                                     X        X
     N.  Security audit                                                             A        R
     O.  Mainframe file controls                                                    A        R
     P.  Identify all dial-in services and Authorized Users of the Services         A        X
     Q.  Maintain security controls for dial-in services                            X
     R.  Add, change and delete users' access to the dial-in services               X        R
     S.  Provide logical security controls at the Certegy Data Center               A        X

9.0  PHYSICAL FACILITIES AND SECURITY
     A.  Provide physical facilities                                                         X
     B.  Provide Certegy with IBM's security standards and practices                X
     C.  Review security policies and procedures for effectiveness                  A        X
     D.  Maintain and update the security section of the Procedures Manual          A        X
     E.  Provide physical security controls at the Certegy Data Center                       X
     F.  Restrict access to the Data Center to authorized personnel only            A        X
     G.  Conduct periodic reviews of the Data Center access control logs            A        X
     H.  Implement controls which protect printed output under IBM control          X
     J.  Provide secure storage for portable storage media                                   X
     K.  Badge distribution, alarm monitoring and response at Data Center                    X
     L.  Data Center emergency response (fire, medical, first aid, bomb threat)              X
</TABLE>

                                                                   Page 23 of 24

<PAGE>

<TABLE>
<S>                                                                                <C>   <C>
10.0 APPLICATIONS SOFTWARE - CERTEGY SERVICE DELIVERY
     A.  Resolve scheduling conflicts                                               A        X
     B.  Resolve cycle abends                                                       A        X
     C.  Establish and maintain escalation procedures                               X        X
     D.  Establish Performance Standards and Minimum Service Levels related to
         Applications Software - Certegy performance                                         X
     E.  Perform root cause analysis                                                A        X
     F.  Report Applications Software - Certegy incident report resolution
         statistics                                                                          X
     G.  Institute Applications Software - Certegy run time improvements (RTIs)     A        X

11.0 APPLICATIONS SOFTWARE - IBM SERVICE DELIVERY
     A.  Resolve scheduling conflicts                                               X
     B.  Resolve cycle abends                                                       X
     C.  Establish and maintain escalation procedures for Performance Standards
         and Minimum Service Levels                                                 X
     D.  Establish Software performance                                             X
     E.  Perform root cause analysis                                                X
     F.  Report Applications Software - IBM incident report resolution
         statistics                                                                 X
     G.  Institute Applications Software - IBM run time improvements (RTIs)         X        A
</TABLE>

                                                                   Page 24 of 24
<PAGE>

                                  SCHEDULE E OF
                          TRANSACTION DOCUMENT #03-01
                                 (UNITED STATES)
                                MAINFRAME TOWER
                                NETWORK SERVICES

DATA NETWORK SERVICES

1.0 INTRODUCTION

IBM will be responsible specifically for the limited Data Network Services that
provide SNA, TCP/IP on the mainframe, X.25 related to what runs in the Front End
Processors and Bisync (the "Data Network Services") for the St. Petersburg and
Madison locations via the equipment specified in Schedule I (Network Locations).
Data Network Services will include all the above protocol interfaces as they
apply to direct mainframe connectivity in accordance with the network equipment
listed in Schedule C. This responsibility also includes the maintenance on
equipment, software, network management platforms, and the design required to
deliver the Data Network Services to Certegy. IBM will provide Data Network
Services during the Service Hours (8AM to 5PM EST) and on-call for all other
times. Certegy will provide the network equipment as listed in Schedule C
including channel extenders, 3745/4745 FEP and 3174 controllers.

2.0 OPERATIONS

IBM will support the operational functions for the above Data Network Services
including production monitoring, performance monitoring, and problem resolution.
Identified Data Network equipment and cabling, including channel extenders
operated by IBM, will be monitored and supported up to the router or WAN
interface connection. Certegy will retain all WAN and LAN connectivity and
support responsibility.

3.0 OPERATIONS MANAGEMENT AND CONTROL

IBM will be responsible for the operations management and control of the Data
Network Services. Upon detection of an alarm condition or a Certegy trouble
report that indicates an out-of-service or degraded condition, IBM will begin
coordinating the resolution and will remain responsible until the problem is
resolved, provided the problem is an IBM problem, or if the problem is
determined to be a Certegy problem (i.e., data circuit), work with Certegy to
the extent necessary for Certegy's resolution of the problem.

Operations will:

          (a)  provide proactive monitoring and surveillance of real-time SNA
               Data Network Services elements;

          (b)  respond to alarms from the above Data Network Services management
               systems or Certegy trouble reports by initiating service

Schedule E Network         March 14, 2003
CERTEGY/IBM CONFIDENTIAL

                                                                     Page 1 of 5

<PAGE>

               restoration, coordinating remote diagnostics and trouble
               resolution, and initiating problem tracking and notification
               procedures;

          (c)  coordinate dispatch services or vendor maintenance activity on
               the Data Network Services equipment when Data Network Services
               problems cannot be cleared remotely;

          (d)  provide timely and periodic status updates of ongoing problem
               resolution activities to the Customer Service Center and End
               Users; and

          (e)  verify that reported faults and End User problems are resolved.

Monitoring

     IBM's responsibility will include monitoring the availability and the
     performance of the Data Network Services resources. Monitoring will be
     accomplished by periodic polling of Data Network Services resources and by
     processing system events that are generated. Performance monitoring will
     attempt to detect problems before End Users are affected. Performance
     monitoring will also provide information regarding utilization,
     availability, and performance of the Data Network Services. Data collected
     may vary based on the device type, but examples of the information
     collected will be incorporated into Data Network Services availability
     delivery reports. Data will be collected using polling intervals
     established by IBM's design organization and analyzed to determine a
     pattern of usage that consists of the average network usage and peak usage
     time.

Capacity Management

     IBM will be responsible for maintaining capacity that will meet or exceed
     the Service Levels. This includes monitoring and tuning the equipment
     listed in Schedule C in the locations in Schedule I (St. Petersburg and
     Madison) across the Data Network Services technology environments for
     efficiency, management of configuration requirements, and efficient
     coordination with service and supply vendors. IBM will implement processes
     to provide regular performance and capacity monitoring/reporting, using
     tools appropriate to the Data Network Services environment. IBM will
     monitor the Data Network Services to establish a reference for projecting
     bandwidth and equipment needs and will recommend to Certegy the adjustment
     of appropriate equipment in light of these projections. IBM will provide
     the Data Network Services capacity planning information developed by IBM to
     Certegy when requested by Certegy to assist with Certegy's budgeting,
     response time analysis, and availability maintenance.

                                                                     Page 2 of 5

<PAGE>

4.0 CONNECTIVITY SERVICE

Certegy is responsible for providing the communications related equipment and
connectivity to and between all Data Network locations specified in Schedule I.
Connectivity to external (for example, Third Party) networks will also be
provided by Certegy. Connectivity to IBM's facilities and use of IBM shared
network facilities will require Certegy's prior review and approval which
approval will not be unreasonably withheld.

5.0 NETWORK MAINTENANCE

IBM will be responsible for the maintenance and maintenance costs of the Data
Network Services Machines specified in Schedule C at the locations identified in
Schedule I. Certegy will retain maintenance on all channel extension devices,
3174's and WAN connectivity.

6.0 NETWORK PROVISIONING

Certegy will be responsible for the procurement and installation activities in
support of all Data Network Services equipment and circuits that are needed to
provide this Service at each Data Network location. Any IBM network equipment
de-installation activities excluding the 4745's will be performed as a New
Service. Certegy will be responsible for the disposal of the FEP's (4745's) and
associated cabling and configuration removal as they are decommissioned over
time.

7.0 NETWORK ADMINISTRATION

IBM will administer the Data Network Services requirements and activities
including the processing of change requests. IBM will also be responsible to
administer and maintain address and configuration parameters for the Data
Network Services as it applies to the equipment and software that they are
responsible for listed in Schedule C for the locations in Schedule I.

8.0 SOFTWARE SUPPORT

IBM will be responsible for IBM VTAM/NCP, TCP/IP profile software within the
Data Network Services at the locations specified in Schedule I. IBM will provide
major and minor upgrades and patches to such software to maintain the agreed
currency of the Data Network Services equipment and the Data Network performance
and availability Service Levels. IBM will assist Certegy in their performance,
as needed from a design and implementation standpoint, with the migration of
current remote TN3270 Cisco CIP users over to a direct interface into the
selected Certegy mainframes TCP/IP stacks. This configuration may involve the
utilization of IP nailing functionality within the profiles for security
reasons, which shall be performed by Certegy.

9.0 REGULATORY CHANGES

                                                                     Page 3 of 5

<PAGE>

IBM will perform Data Network Services modifications as required to maintain
compliance with IBM Regulatory requirements and Certegy Regulatory requirements
applicable to the Data Network Services.

10.0 NETWORK ENGINEERING

IBM will provide Data Network Services engineering functions related to meeting
Certegy's communications needs, including Data Network Services design, capacity
and configuration management, Data Network Services optimization, efficiency
tuning and vendor coordination.

IBM will:

     a)   perform Data Network Services design activities, to include
          establishing Data Network Services design criteria and standards with
          Certegy;

     a)   manage the capacity and configuration of the Data Network Services;

     b)   maintain and provide to Certegy Data Network Services documentation
          and information as reasonably requested by Certegy;

     c)   evaluate and test Data Network Services equipment prior to
          installation;

     d)   configure and install Data Network Services equipment at the locations
          specified in Schedule I that will be attached to, and will communicate
          over, the Data Network;

     e)   develop acceptance procedures for changes to the Data Network
          Services; and

     f)   verify restoration of availability following problems with Data
          Network Services equipment.

11.0 NETWORK OPTIMIZATION

Performance Monitoring

     IBM will implement performance management and monitoring Tools to be used
     in conjunction with the problem management system and the inventory
     database to monitor the performance of the Data Network Services. This
     monitoring will encompass those activities required to continuously
     evaluate the principal performance indicators of Data Network Services
     operations, verify Service Levels, identify actual and potential
     bottlenecks, and establish and report on trends for decision making and
     planning. These measurements may take the form of overall percent.
     Measurements will include both peak and average levels.

Performance Planning

                                                                     Page 4 of 5

<PAGE>

     IBM will work with Certegy to identify future loads on the Data Network
     Services that could impact performance. IBM will propose to Certegy, for
     its approval, changes to improve performance in anticipation of such future
     loads. IBM's proposals will include performance improvement expectations
     and the corresponding cost for the changes.

Network Tuning

     On an ongoing basis, IBM will tune and manage the Data Network Services to
     meet Certegy business requirements and Service Levels. Certegy will retain
     responsibility for WAN and multi-protocol network tuning and cost for the
     changes. Certegy agrees to make reasonable tuning changes necessary for IBM
     to meet the Service Levels.

Network Optimization

     On an ongoing basis, IBM will perform Data Network Services optimization
     reviews on a mutually agreed schedule. Such reviews will be performed
     following any major Data Network Services migrations or changes. IBM will
     focus on achieving Certegy's optimization objectives, with Certegy's
     approval and participation. IBM will also optimize the Data Network
     Services in terms of cost effectiveness and efficiency (not including
     Transport), but without sacrificing performance or ability to meet the
     Service Levels.

CERTEGY RESPONSIBILITIES

Certegy will:

     a)   provide all non- Data (multi-protocol) Network WAN and LAN management,
          monitoring, provisioning, procurement, problem resolution;

     b)   control and distribute IDs to End Users;

     c)   be responsible for any damages resulting from the use of IDs under
          Certegy's control;

     d)   appoint a Certegy Focal Point to work with IBM to resolve non-Data
          Network operational problems, order Data Network services and
          products, and authorize others to do so;

     e)   provide IBM or IBM's designee with the necessary assistance to enable
          IBM's personnel access to the Facilities to perform inspections,
          installations, prepare returns, or perform maintenance (including
          engineering changes) as appropriate;

     f)   obtain and pay all costs associated with supplying any required unique
          registered IP addresses provided by an American Registry of Internet
          Numbers (ARIN)- accredited registrar or other recognized standards
          body;

     g)   provide, install and maintain the required cabling, wiring, physical
          security and utilities for the Data Network locations specified in
          Schedule I;

     h)   provide all End User training; and

     i)   Provide support for all non-supported software and hardware.

                                                                     Page 5 of 5

<PAGE>

                                  SCHEDULE E OF
                           TRANSACTION DOCUMENT #03-01
                                 (UNITED STATES)
                                 MAINFRAME TOWER
                           DESKTOP MANAGEMENT SERVICES

  Services, Location of Facilities, Operational and Financial Responsibilities

DESKTOP MANAGEMENT SERVICES

1.0 INTRODUCTION

IBM will provide the following Desktop Management Services (DMS) to Certegy as
provided in this Schedule E Desktop Management Services. IBM will provide the
Desktop Services at the St. Petersburg, Florida; Madison, Wisconsin; Salt Lake
City, Utah; Alpharetta, Georgia; and Tuscaloosa, Alabama Certegy Facilities (the
"Desktop Locations"). Unless otherwise agreed to by Certegy and IBM, IBM will
provide Desktop Management Services during the hours of 8:00AM to 5:00PM, (local
time of the Facility) Monday through Friday and call out coverage for all other
times.

2.0 ON-SITE SERVICES

IBM will provide End User (see TD for definition) assistance with problem
determination and problem resolution at the End User's Desktop workstation. Any
laptop personal computer connected to a docking station that is used as a
desktop workstation will be considered a Desktop at the End User's Desktop
Location. On-site Services are a combination of deskside support (which is
primarily Level 3 support invoked by the Help Desk when Level 1 and Level 2
support cannot adequately address the End User's problem), hardware related
support, software problems and IMAC Services. Level 1, 2 and 3 support levels
are defined in Schedule M hereto, and IMAC Services are defined in Schedule J
hereto. IBM will provide 36 month warranty support for all Desktop and laptop
devices that are associated with those devices that are included in the lease
agreement between IBM and Certegy.

Certegy will provide hardware break/fix vendor support for all out of warranty
Desktop and laptop devices owned or leased by Certegy. Certegy will provide all
warranty support for Non-IBM Desktop and laptop devices that are currently owned
by Certegy.

For Certegy owned or leased End User laptop personal computers that are not
being used as Desktops at the locations referenced in Section 1.0 above ("Mobile
End Users") that are included in the Standard Products and the Supplement
Baselines, IBM will provide such Desktop Management Services as Depot Services,
that is performed at the Certegy sites referenced in Section 1.0 above. The
Certegy Mobile End User is responsible for transportation or delivery of the
laptop equipment to one of the Certegy facilities referenced in Section 1.0. For
locations other than St. Petersburg and Madison, IBM may not have adequate spare
machines or Certegy provided parts to immediately swap out or repair these
specific units and may have to ship the units to either Madison or St.
Petersburg for repair or to obtain a replacement unit. Certegy is

Schedule E Mainframe                  March 14, 2003
CERTEGY/IBM CONFIDENTIAL

                                                                     Page 1 of 6

<PAGE>

responsible for any shipping costs associated with the above unless the units
are part of the Technology Refresh Plan and the Mobile End User has no issue
with the standard replacement timeframe as stated in the warranty. If the Mobile
End User needs to have the replacement unit earlier than the standard
replacement timeframe as stated in the warranty, Certegy will be responsible for
shipping costs.

Certegy has overall responsibility for LAN connectivity for all workstations.
IBM will work with Certegy to ensure Desktop connectivity testing of the Desktop
after it has been swapped or repaired by IBM.

IBM will provide interfaces to Certegy IR (Incident Reporting), RS (Request for
Service) and On Line Service Request applications (collectively the GWI and
Domino workflow applications) which includes all trouble tickets, project
requests and desktop hardware/software requests.

                    DESKSIDE SERVICES RESPONSIBILITIES MATRIX

R = IDENTIFY REQUIREMENTS A = ASSIST X = PERFORM P = PRIMARY S = SECONDARY

<TABLE>
<CAPTION>
                                                                                   RESPONSIBILITY
                                                                                   --------------
ITEM NO.   SERVICES                                                                 IBM   CERTEGY
--------   --------                                                                ----   -------
<S>        <C>                                                                     <C>    <C>
2.1.1      Problem source identification.                                            X
2.1.2      Problem severity / impact validation according to Certegy standards       S       P
           as provided in the Procedures Manual
2.1.3      Problem determination.                                                    X
2.1.4      Provide Level 2 and Level 3 support at the End User's work location       X
           in accordance with the procedures set forth in the Procedures Manual.
2.1.5      Provide Deskside Support Services for Nonstandard Products on a           X
           commercially reasonable efforts basis or at an hourly charge as
           agreed by the Parties.
2.1.8      Support for Certegy home-developed application software.                  A       X
2.1.9      Dedicated executive support (VIP support Alpharetta).                     A       X
2.1.10     Determine workstation/peripheral suitability as determined by             X       A
           hardware and software.
2.1.11     Provide HW, SW (deskside) service to a Mobile/Remote End User as          X       A
           identified in 2.0 herein and in accordance with the Procedure Manual.
2.1.12     Arrange for an on-site support call at a particular time/date with a      X       A
           mobile user who is visiting a supported site.
2.1.13     Provide area "depots" in at the Certegy locations referenced in           X       A
           Section 1.0 specifically for Mobile End User drop off and pick up
           service.
2.1.14     Dispose of obsolete Certegy owned equipment                               A       X
2.1.15     Save/transfer of Certegy data during the 'swap out' process.              X       A
2.1.16     Manage the spare parts inventory in accordance with guidelines            X
           provided by Certegy
2.1.17     Provide the procedures to be followed by mobile and/or home-based                 X
           End Users in order to obtain depot services.
2.1.18     Train users on Certegy Desktop Applications                               A       X
</TABLE>

                                                                     Page 2 of 6
<PAGE>

 2.2    HARDWARE MAINTENANCE

<TABLE>
<CAPTION>
                                                                             RESPONSIBILITY
                                                                             --------------
ITEM NO.   SERVICES                                                           IBM   CERTEGY
--------   --------                                                           ---   -------
<S>        <C>                                                               <C>    <C>
2.2.1      Provide for all corrective maintenance and repair.                          X
2.2.2      Coordinate and schedule maintenance activities.                     X
2.2.3      Dispatch hardware maintenance service personnel.                    X
2.2.4      For Mobile End User utilizing a depot site, faulty equipment is     A       X
           delivered to depot site and shipped back to Mobile End User.
2.2.5      Using Certegy-provided warranty documentation, maintain the         X
           records necessary to support warranty service of on-warranty
           devices installed as of the Commencement Date.
2.2.6      For equipment ordered by IBM after the Commencement Date,           X
           maintain the records necessary to support warranty repair
           service.
2.2.7      Coordinate warranty repair service with the appropriate             X
           equipment manufacturer.
2.2.8      Track and report observed failure trends for Desktop Systems.       X
2.2.9      Provide spare parts inventory and spare Standard Desktop            X
           machines (Definition) necessary for IBM to provide the Desktop
           Management Services in accordance with the Service Levels
2.2.10     Provide hardware maintenance Services for Nonstandard Products.             X
</TABLE>

2.3  IMAC SERVICE

<TABLE>
<CAPTION>
                                                                             RESPONSIBILITY
                                                                             --------------
ITEM NO.   SERVICES                                                           IBM   CERTEGY
--------   --------                                                           ---   -------
<S>        <C>                                                               <C>    <C>
2.3.1      THE ACTIVITIES ASSOCIATED WITH THE COORDINATION OF IMAC ARE AS
           FOLLOWS:
2.3.1.1    Schedule the IMAC perform date with the Certegy End Users.          X
2.3.1.2    Notify the Certegy Focal Point of the required IMAC components      X
           that must be available and site preparations (facilities and
           telecommunications modifications), which must be completed
           prior to the scheduled IMAC date.
2.3.1.3    Plan and coordinate the execution of and execute IMAC.              X
2.3.1.4    Prior to the scheduled IMAC date, validate with the Certegy         X        A
           Focal Point that the End User has complied with all
           prerequisites, all site modifications are complete, and that
           the necessary IMAC components have been received and will be
           available at the End User's work location on the scheduled IMAC
           date.
2.3.2      THE PERFORM ACTIVITIES RELATED TO INSTALL ACTIVITIES AS
           FOLLOWS:
2.3.2.1    Develop and maintain procedures for installation of Standard        X        A
           Products for Certegy HW & SW.
2.3.3      THE PERFORM ACTIVITIES RELATED TO REMOVAL ACTIVITIES ARE:
2.3.3.1    Removal of system unit and placement back in inventory or           X
           prepare for disposal.
2.3.3.2    Prepare displaced hardware (i.e., desktop/laptop, wrap cords)       X
           and, if applicable, move to a designated staging area within
           the Facility for removal by Certegy.
2.3.3.6    Data erasure on removed hardware systems per procedures             X        R
2.3.4      THE ACTIVITIES RELATED TO IMAC PERFORM ARE:
2.3.4.1    Perform the IMAC Services for Desktop Standard Products             X
           according to the criteria specified in the IMAC checklist as
           defined in Procedures Manual
</TABLE>

                                                               Page 3 of 6

<PAGE>

<TABLE>
<CAPTION>
                                                                             RESPONSIBILITY
                                                                             --------------
ITEM NO.   SERVICES                                                           IBM   CERTEGY
--------   --------                                                           ---   -------
<S>        <C>                                                               <C>    <C>
2.3.4.2    Assist Certegy in resolving on a timely basis any issues            X
           impacting IMAC activity.
2.3.4.3    Implement A mutually agreed-upon process for consolidating IMAC     X        A
           activity, when possible, into IMAC Projects.
2.3.4.4    Transportation or shipping of desktops or laptops                            X
2.3.4.5    Data migration related to IMACs                                     X        A
2.3.5      FOLLOWING ACTIVITIES ARE CONSIDERED AS SPECIAL PROJECTS AND
           WILL BE PROVIDED AS PROJECTS AS AGREED BY THE PARTIES
2.3.5.1    Major moves (Generally more than 12 in a single site)                        X
2.3.5.2    Major roll outs (refreshes) (any event outside the Desktop                   X
           Refresh Plan)
2.3.5.3    Moves outside the Certegy major site locations                               X
2.3.5.4    Re-deploy of desktops                                                        X
</TABLE>

3.0  ELECTRONIC SOFTWARE DISTRIBUTION SERVICE

IBM will provide Electronic Software Distribution Services for Desktop Supported
Products using existing Certegy SMS product as of the Commencement Date,
including distribution of software packages to all End Users, creating and
maintaining software distribution package, define distribution processes and
procedures. Maintaining distribution plans and compatibility compliance and
resolution of configuration problems.

IBM will provide Electronic Software Distribution Services including the
management of the Software Distribution environment using the appropriate SMC
disciplines (for example, performance management, problem management, change
management).

Resolving failed load caused by Nonstandard Products will be performed as hourly
services.

                    DESKSIDE SERVICES RESPONSIBILITIES MATRIX

R = IDENTIFY REQUIREMENTS A = ASSIST X = PERFORM P = PRIMARY S = SECONDARY

<TABLE>
<CAPTION>
                                                                             RESPONSIBILITY
                                                                             --------------
ITEM NO.   SERVICES                                                           IBM   CERTEGY
--------   --------                                                           ---   -------
<S>        <C>                                                               <C>    <C>
3.1        DISTRIBUTION ENVIRONMENT
3.1.1      Define distribution image software list.                            A        X
3.1.2      Ensure that the distribution infrastructure meets requirements      A        X
           for the service and service levels which will be provided.
3.1.3      With Certegy define the Certegy platform requirements for           X        A
           successful distribution.
3.1.4      Define what is to be distributed to each specific desktop                    X
           system.
3.1.5      Provide End Users with necessary information of upcoming            A        X
           distributions
3.1.6      Ensure that designated machines have the right status to                     X
           receive distribution (e.g. turned on).
3.2        CREATE CHANGE
</TABLE>

                                                               Page 4 of 6

<PAGE>

<TABLE>
<CAPTION>
                                                                             RESPONSIBILITY
                                                                             --------------
ITEM NO.   SERVICES                                                           IBM   CERTEGY
--------   --------                                                           ---   -------
<S>        <C>                                                               <C>    <C>
3.2.1      Receive, acknowledge, validate and perform a change request         X
           involving software distribution from the change control
           process.
3.2.2      Schedule and coordinate Electronic Software distribution.           X       A
3.2.3      Communicate to the Certegy Focal Point, via the change              X
           management procedures, any prerequisites prior to a Electronic
           Software Distribution and any post-install requirements.
3.2.4      Prior to a Electronic Software distribution, if appropriate,        X
           make recommendations to Certegy for End User training related
           to the changes which will result from such distribution.
3.2.5      Define distribution processes and procedures.                       X       A
3.2.6      Package repository software - ensure configuration and policy       A       X
           compliance
3.2.7      Provide software distribution hardware and software platform                X
3.2.8      Identify environment, build image and test.                         X       A
3.2.9      Test that the application/change to be distributed works in the     A       X
           Standard Certegy HW/SW
3.2.10     Provide the distribution processes and procedures to                X
           Certegy-designated personnel (e.g., operators, help desk,
           problem support personnel) and communicate any Certegy support
           requirements.
3.2.11     Resolve configuration conflicts between previously distributed      X
           software packages and the software packages to be distributed
           and modify as necessary.
3.3        DISTRIBUTE CHANGE
3.3.1      Manage environment (capacity, architecture, LAN speed, etc.) to     A       X
           determine feasibility of each distribution request.
3.3.2      Provide electronic change notice to the Certegy                     X
           user-communication team regarding upcoming distributions prior
           to distribution.
3.3.3      Manage and administer the Electronic Software distribution          X
           according to the approved change distribution plan.
3.3.4      Perform testing prior to distribution.                              X
3.3.5      Execute Electronic Software Distribution to the Certegy             X
           designated machines on the agreed time.
3.3.6      Monitor and ensure the successful distribution to the end           X
           Certegy level.
3.3.7      Take corrective action, as appropriate, for problems resulting      X
           from the distribution to correct error conditions and inform
           Certegy of which machines have / have not received the software
           package.
3.3.8      Provide trend analysis and periodic management reports on           X
           distribution success / failure rates.
3.3.9      Resolve failed loads caused by Nonstandard Products                 A       X
3.3.10     Resolve failed loads caused by lack of hardware and/or network      X       A
           resources.
</TABLE>

4.0  CERTIFICATION/TEST

IBM will maintain as of the Commencement Date existing test and certification
environments for production and IBM will maintain existing test and
certification environments for development.

                                                                     Page 5 of 6

<PAGE>

Certegy will provide all hardware platforms for test and development along with
the required associated infrastructure.

<TABLE>
<CAPTION>
                                                                             RESPONSIBILITY
                                                                             --------------
ITEM NO.   SERVICES                                                           IBM   CERTEGY
--------   --------                                                           ---   -------
<S>        <C>                                                               <C>    <C>
4.1        Maintain the production and development test and certification      X        R
           environments according to Certegy requirements.
4.2        Test and certify applications/changes requested by Certegy.         A        X
4.3        Test applications/changes in standard Certegy platform.             X
4.4        As agreed with Certegy inspect the application/change from a        X        A
           production perspective.
</TABLE>

                                                                     Page 6 of 6
<PAGE>

                                  SCHEDULE F OF

                          TRANSACTION DOCUMENT #03-01

                                 (UNITED STATES)

                                 MAINFRAME TOWER

                LEASES, LICENSES AND OTHER THIRD PARTY AGREEMENTS

Section F-1 of this Schedule F lists the Mainframe Tower leases for which IBM is
assuming financial, management and/or administrative responsibility as attorney
in fact for Certegy.

                    SECTION F-1 - LEASES FOR MAINFRAME TOWER

      IBM IS NOT RESPONSIBLE FOR ANY MAINFRAME TOWER LEASES FOR CERTEGY AS
                            OF THE COMMENCEMENT DATE

Section F-2 of this Schedule F lists the Mainframe Tower IBM software licenses
for which IBM is assuming financial, management and/or administrative
responsibility as attorney in fact for Certegy.

                       SECTION F-2 SYSTEMS SOFTWARE - IBM

<TABLE>
<CAPTION>
                                                                               RESPONSIBILITY
                                                                            (I = IBM C = CERTEGY)
ITEM    PRODUCT                                                     ------------------------------------
 NO.    NUMBER         SOFTWARE NAME/DESCRIPTION         LICENSEE   OPER(1)   FIN(2)   MAINT(3)   DEV(4)
----   --------   ------------------------------------   --------   -------   ------   --------   ------
<S>    <C>        <C>                                    <C>        <C>       <C>      <C>        <C>
1      5645-005   System Automation for OS/390              IBM        I         I         I         I
2      5648-A25   COBOL for OS/390 & VM V2                  IBM        I         I         I         I
3      5648-063   ACF/NCP V5.4                              IBM        I         I         I         I
4      5655-A46   JAVA for OS/390 V1R1M0                    IBM        I         I         I         I
5      5655-A95   MQSERIES FOR OS/390 V.2.1                 IBM        I         I         I         I
6      5655-B17   PSF V3 for OS/390                         IBM        I         I         I         I
7      5655-D35   JAVA (TM) 2 Technology Edition 1.1.0      IBM        I         I         I         I
8      5655-D44   XML Toolkit for OS/390 1.1.0              IBM        I         I         I         I
9      5655-041   ACF/SSP Version 4 MVS                     IBM        I         I         I         I
10     5655-147   CICS TS for OS/390                        IBM        I         I         I         I
11     5655-279   BTAM/SYSTEM PRODUCT                       IBM        I         I         I         I
12     5665-333   NetView Performance Mon. (NPM)            IBM        I         I         I         I
13     5668-958   VS COBOL II Comp Liba nd Debug            IBM        I         I         I         I
14     5675-DB2   DB2 UDB for OS/390                        IBM        I         I         I         I
15     5675-DB2   QMF for OS/390 (feat of DB2)              IBM        I         I         I         I
16     5688-190   PPFA/370                                  IBM        I         I         I         I
17     5694-A01   z/OS V1 Base                              IBM        I         I         I         I
18     5694-A01   z/OS V1 DFSMS dsshsm                      IBM        I         I         I         I
19     5694-A01   z/OS V1 HLASM Toolkit                     IBM        I         I         I         I
20     5694-A01   z/OS V1 RMF                               IBM        I         I         I         I
21     5694-A01   z/OS V1 SDSF                              IBM        I         I         I         I
</TABLE>

Schedule F                March 14, 2003
CERTEGY/IBM CONFIDENTIAL

                                                                     Page 1 of 6

<PAGE>

                       SECTION F-2 SYSTEMS SOFTWARE - IBM

<TABLE>
<CAPTION>
                                                                               RESPONSIBILITY
                                                                            (I = IBM C = CERTEGY)
ITEM    PRODUCT                                                     ------------------------------------
 NO.    NUMBER         SOFTWARE NAME/DESCRIPTION         LICENSEE   OPER(1)   FIN(2)   MAINT(3)   DEV(4)
----   --------   ------------------------------------   --------   -------   ------   --------   ------
<S>    <C>        <C>                                    <C>        <C>       <C>      <C>        <C>
22     5697-B82   Tivoli NetView Enterprise                 IBM        I         I         I         I
23     5735-XXB   Emulation Program Version 1               IBM        I         I         I         I
24     5740-CB1   COBOL Compiler/Library V1                 IBM        I         I         I         I
25     5798-DXQ   ICFRU 1.1.0                               IBM        I         I         I         I
26     5655-A25   AFP TOOLBOX FOR MVS                       IBM        I         I         I         I
27     5648-D68   DB2 FACILITIES SUITE SUBSCRIPTION         IBM        I         I         I         I
28     5697-E98   DB2 FACILITIES SUITE                      IBM        I         I         I         I
29     5697-B82   GRAPHICAL ENTERPRISE LE 370               IBM        I         I         I         I
</TABLE>

Section F-3 of Schedule F lists the Mainframe Tower Third Party Agreements for
which IBM is assuming financial, management and/or administrative responsibility
as attorney in fact for Certegy.

                    SECTION F-3: SYSTEMS SOFTWARE - CERTEGY

<TABLE>
<CAPTION>
                                                                                 RESPONSIBILITY
                                                                              (I = IBM C = CERTEGY)
ITEM                                     SOFTWARE                     ------------------------------------
 NO.           VENDOR                NAME/DESCRIPTION      LICENSEE   OPER(1)   FIN(2)   MAINT(3)   DEV(4)
----   ----------------------    -----------------------   --------   -------   ------   --------   ------
<S>    <C>                       <C>                       <C>        <C>       <C>      <C>        <C>
1      FUJITSU (AMDAHL)          TDMF                      Certegy       I         I         I        NA
2      ASI                       PKZIP                     Certegy       I         I         I        NA
3      BMC (BOOLE & BABBAGE)     EASYPOOL (POOL DASD)(5)   Certegy       I         I         I        NA
4      BMC (BOOLE & BABBAGE)     STOP/X37II(5)             Certegy       I         I         I        NA
5      CANDLE                    OMEGAMON II/EPILOG(5)     Certegy       I         I         I        NA
6      CANDLE                    OMEGAMON II CICS(5)       Certegy       I         I         I        NA
7      CANDLE                    OMEGAMON II MVS(5)        Certegy       I         I         I        NA
8      CHICAGOSOFT               MVS QUICKREF              Certegy       I         I         I        NA
9      COMM-PRO                  COMM-PRO(6)               Certegy       I         I         I        NA
10     COMPUTER ASSOCIATES       ACF2/MVS                  Certegy       I         I         I        NA
11     COMPUTER ASSOCIATES       CA-1                      Certegy       I         I         I        NA
12     COMPUTER ASSOCIATES       CA-11                     Certegy       I         I         I        NA
13     COMPUTER ASSOCIATES       CA-7                      Certegy       I         I         I        NA
14     COMPUTER ASSOCIATES       CA90S                     Certegy       I         I         I        NA
15     COMPUTER ASSOCIATES       EASYTRIEVE PLUS           Certegy       I         C         C        NA
</TABLE>

                                                                     Page 2 of 6

<PAGE>

                    SECTION F-3: SYSTEMS SOFTWARE - CERTEGY

<TABLE>
<CAPTION>
                                                                                 RESPONSIBILITY
                                                                              (I = IBM C = CERTEGY)
ITEM                                     SOFTWARE                     ------------------------------------
 NO.           VENDOR                NAME/DESCRIPTION      LICENSEE   OPER(1)   FIN(2)   MAINT(3)   DEV(4)
----   ----------------------    -----------------------   --------   -------   ------   --------   ------
<S>    <C>                       <C>                       <C>        <C>       <C>      <C>        <C>
16     COMPUTER ASSOCIATES       ENDEVOR/MVS BASE          Certegy       I         I         I        NA
17     COMPUTER ASSOCIATES       ENDEVOR/MVS AUTOMATED     Certegy       I         I         I        NA
                                 CONFIG MGR
18     COMPUTER ASSOCIATES       ENDEVOR/MVS EXTENDED      Certegy       I         I         I        NA
                                 PROCESSOR
19     COMPUTER ASSOCIATES       ENDEVOR/MVS EXTERNAL      Certegy       I         I         I        NA
                                 SECURITY INTERFACE
20     COMPUTER ASSOCIATES       ENDEVOR/MVS PARALLEL      Certegy       I         I         I        NA
                                 DEV MGR
21     COMPUTER ASSOCIATES       ENDEVOR/MVS QUICKEDIT     Certegy       I         I         I        NA
22     COMPUTER ASSOCIATES       FAVER for MVS             Certegy       I         I         I        NA
23     COMPUTER ASSOCIATES       JCLCHECK                  Certegy       I         I         I        NA
24     COMPUTER ASSOCIATES       LIBRARIAN                 Certegy       I         I         I        NA
25     COMPUTER ASSOCIATES       MULTI IMAGE CONSOLE       Certegy       I         I         I        NA
26     COMPUTER ASSOCIATES       MULTI IMAGE ALLOCATION    Certegy       I         I         I        NA
27     COMPUTER ASSOCIATES       MULTI IMAGE INTEGRITY     Certegy       I         I         I        NA
                                 W/EDIF
28     COMPUTER ASSOCIATES       OPS/MVS II JES2           Certegy       I         I         I        NA
29     COMPUTER ASSOCIATES       TPX ADV DATA COMPRESS     Certegy       I         I         I        NA
                                 OPT NVI/TPX
30     COMPUTER ASSOCIATES       TPX MAILBOX OPTION        Certegy       I         I         I        NA
31     COMPUTER ASSOCIATES       TPX MULTISESSION          Certegy       I         I         I        NA
32     COMPUTER ASSOCIATES       TPX ACL/E                 Certegy       I         I         I        NA
33     COMPUTER ASSOCIATES       TSOMON                    Certegy       I         I         I        NA
34     COMPUTER ASSOCIATES       VIEW/MVS                  Certegy       I         I         I        NA
35     COMPUTER ASSOCIATES       DELIVER/MVS               Certegy       I         I         I        NA
36     COMPUTER ASSOCIATES       XCOM                      Certegy       I         I         I        NA
</TABLE>

                                                                     Page 3 of 6

<PAGE>

                    SECTION F-3: SYSTEMS SOFTWARE - CERTEGY

<TABLE>
<CAPTION>
                                                                                 RESPONSIBILITY
                                                                              (I = IBM C = CERTEGY)
ITEM                                     SOFTWARE                     ------------------------------------
 NO.           VENDOR                NAME/DESCRIPTION      LICENSEE   OPER(1)   FIN(2)   MAINT(3)   DEV(4)
----   ----------------------    -----------------------   --------   -------   ------   --------   ------
<S>    <C>                       <C>                       <C>        <C>       <C>      <C>        <C>
37     COMPUTER ASSOCIATES       VISION EXCEL(BASE)        Certegy       I         I         I        NA
       (STERLING)
38     COMPUTER ASSOCIATES       VISION RESULTS            Certegy       I         I         I        NA
       (STERLING)
39     COMPUWARE                 ABEND AID/CICS            Certegy       I         I         I        NA
40     COMPUWARE                 ABEND-AID/XLS             Certegy       I         I         I        NA
41     COMPUWARE                 XPEDITER/TSO              Certegy       I         I         I        NA
                                 BASE
42     COMPUWARE                 XPEDITER/CICS             Certegy       I         I         I        NA
43     COMPUWARE                 XPEDITER/CICS ASM
                                 OPTION                    Certegy       I         I         I        NA
44     COMPUWARE                 FILEAID/MVS               Certegy       I         I         I        NA
45     COMPUWARE                 STROBE/MVS SYSPLEX        Certegy       I         I         I        NA
46     COMPUWARE                 STROBE/CICS               Certegy       I         I         I        NA
47     COMPUWARE                 ADV SESSION               Certegy       I         I         I        NA
                                 MGT FEAT.
48     COMPUWARE                 STROBE DB2                Certegy       I         C         C        NA
49     COMPUWARE                 iSTROBE                   Certegy       I         C         C        NA
50     COMPUWARE                 MQ STROBE                 Certegy       I         C         C        NA
51     COMPUWARE                 DBA Expert for DB2        Certegy       I         C         C        NA
52     DOCSENSE (PITNEY BOWES)   CICS WINDOW MAINTENANCE   Certegy       I         I         I        NA
53     DOCSENSE (PITNEY BOWES)   FINALIST National         Certegy       I         I         I        NA
54     DOCSENSE (PITNEY BOWES)   STREAM WEAVER             Certegy       I         I         I        NA
55     DOCSENSE (PITNEY BOWES)   DIALOG                    Certegy       I         I         I        NA
56     DOCSENSE (PSTNEY BOWES)   Z4 Ext Maintenance(6)     Certegy       I         I         I        NA
57     INNOVATION DATA
       PROCESSING                FDR                       Certegy       I         I         I        NA
58     INNOVATION DATA
       PROCESSING                CPK                       Certegy       I         I         I        NA
59     INNOVATION DATA
       PROCESSING                ABR                       Certegy       I         I         I        NA
</TABLE>

                                                                     Page 4 of 6

<PAGE>

                    SECTION F-3: SYSTEMS SOFTWARE - CERTEGY

<TABLE>
<CAPTION>
                                                                                 RESPONSIBILITY
                                                                              (I = IBM C = CERTEGY)
ITEM                                     SOFTWARE                     ------------------------------------
 NO.           VENDOR                NAME/DESCRIPTION      LICENSEE   OPER(1)   FIN(2)   MAINT(3)   DEV(4)
----   ----------------------    -----------------------   --------   -------   ------   --------   ------
<S>    <C>                       <C>                       <C>        <C>       <C>      <C>        <C>
60     INNOVATION DATA
       PROCESSING                IAM                       Certegy       I         I         I        NA
61     LEVI, RAY AND SHOUP       VPS                       Certegy       I         I         I        NA
62     NETEC INTERNATIONAL       CAFC                      Certegy       I         I         I        NA
63     OPENCONNECT               FTP/SERVER                Certegy       I         I         I        NA
64     OPENCONNECT               OC/SOCKET                 Certegy       I         I         I        NA
65     PRIME FACTORS             SECURITY SOFTWARE MVS
                                 BCSS (formerly PMS))(6)   Certegy       I         I         I        NA
66     SAS INSTITUTE             SAS BASE/MVS(5)           Certegy       I         I         I        NA
67     SAS INSTITUTE             SAS CONNECT/MVS(5)        Certegy       I         I         I        NA
68     SECURITY DYNAMICS         SECUREID                  Certegy       I         C         C
69     STERLING COMMERCE         CONNECT:DIRECT OS390      Certegy       I         I         I        NA
70     STERLING COMMERCE         CONNECT:ENTERPRISE        Certegy       I         I         I        NA
71     SYNCSORT                  SYNCSORT MVS              Certegy       I         I         I        NA
72     UNICOM SYSTEMS            CICS/WINDOWS              Certegy       I         I         I        NA
73     UNITECH                   ACR PLUS MVS              Certegy       I         I         I        NA
</TABLE>

NOTES:

(1)  "OPER" means operational responsibility for the Systems Software listed in
     this Schedule.

(2)  "FIN" means financial responsibility for license fees, maintenance charges,
     Maintenance Releases, Versions and any other related charges for the
     Systems Software listed in this Schedule.

(3)  "MAINT" means maintenance responsibility, including applying fixes,
     corrections, and minor enhancements (but not necessarily the financial
     responsibility for such) for the Systems Software listed in this Schedule.

(4)  "Dev" means development responsibility, including the programming of any
     regulatory/statutory mandated changes, version upgrades, or major
     enhancements for the Systems Software listed in this Schedule.

(5)  "SUSPENDED LICENSES" - These Certegy licenses will be suspended following
     the Commencement Date and IBM will use its own licenses for these products.
     However, IBM will still be subject to the terms and conditions of [Section
     5.3] of this Transaction Document regarding 'paid up' licenses

                                                                     Page 5 of 6

<PAGE>

(6)  In the event the procurement of the Licenses and ongoing Maintenance fees
     for these three products (Prime Factor, CommPro and Z4) collectively exceed
     $200,000 during the Term of this Transaction Document, then any amount over
     $200,000 will be the financial responsibility of Certegy. IBM will notify
     Certegy and obtain Certegy's written approval before exceeding the $200,000
     figure.

IBM is assuming Certegy software licenses as of the Effective Date are licensed
at the level required to operate on the current Amdahl 2064E machine rated at
883 MIPS. Certegy is responsible for guaranteeing these licenses are at this
level and if they are not, Certegy is responsible for upgrading these licenses
to the current Amdahl 2064E, 883 MIPS, and will pay any associated costs if
applicable.

                                                                     Page 6 of 6
<PAGE>

                                 SCHEDULE G OF
                          TRANSACTION DOCUMENT #03-01
                                (UNITED STATES)
                                MAINFRAME TOWER
                           DISASTER RECOVERY SERVICES

1.0  INTRODUCTION

     1.1  IBM will provide Disaster Recovery Services for the Mainframe Tower
          for Certegy as described within this Schedule. This Schedule is
          intended to describe all aspects of the services to be provided and
          include the roles and responsibilities of both Certegy and IBM in
          planning, testing and supporting Disaster Recovery for the Certegy
          LPARS and the LPAR Critical Applications as defined herein.

     1.2  IBM will provide access to the BCRS Atlanta Work Group Recovery Center
          to Certegy. This center will provide 25 PC Desktops with workspace,
          phones, chairs and power for office equipment. Certegy's access to
          this site is limited to a total of 120 hours during the two (2) Plan
          test times per year, and for a maximum of six (6) weeks from the date
          of a Disaster declaration.

     1.3  The Disaster Recovery Services included the provision by IBM of a 48
          hour Quick Ship Service (meaning, upon declaration of a Disaster by
          Certegy, the devices shown in the Disaster Recovery Plan will be
          shipped to the designated site within 48 hours of said declaration) to
          either the Certegy Madison Wisconsin or the Atlanta Work Group
          Recovery Center locations for 11 NT servers, workstations and printers
          as identified in the Disaster Recovery Plan.

     1.4  IBM will be responsible for the provision of Disaster Recovery
          Services to Certegy based on the roles and responsibilities in
          Attachment 1, the Disaster Recovery Responsibilities Matrix.

     1.5  The Parties' Disaster Recovery Services responsibilities shall
          include, but not be limited to, the following:

          1.5.1 IBM and Certegy will discuss and agree on the readiness of the
          Certegy Application Disaster Recovery plan and the IBM System Disaster
          Recovery plan and include such plans in the Disaster Recovery Plan;

          1.5.2 IBM and Certegy will jointly plan and IBM will execute the
          initial Disaster Recovery test (one of the two tests per Contract
          Year) at a time to be agreed and subject to the commencement of the
          Disaster Recovery Services;

          1.5.3 IBM will provide a total of two tests per Contract Year during
          the term of this Transaction Document. The combination of the two
          tests will not exceed 120 hours of test time. These tests include
          Resource Units at 80% of the Baseline plus the Deadband and the charge
          is included in the Annual Service Charge. Additional hours, if
          requested by Certegy, may be available subject to additional charges;

Schedule G                 March 14, 2003
CERTEGY/IBM CONFIDENTIAL

                                                                    Page 1 of 13

<PAGE>

          1.5.4 IBM will provide the IBM Configuration and the defined network
          infrastructure, if any, as agreed at the Recovery Center;

          1.5.5 The Parties agree to review the DASD capacity and the data
          transfer services required to support the target Recovery Times for
          the Critical Applications (defined in Attachment 2) and achieve
          agreement on the defined service 60 days prior to the scheduled
          implementation of the Disaster Recovery Services;

          1.5.6 IBM will design, implement system backup and recovery processes
          and procedures;

          1.5.7 Certegy will design, implement application and database backup
          and recovery processes;

          1.5.8 It is the intent of both Parties that the Critical Business
          LPARS and target recovery times as identified in Attachment 2 will be
          the goals of the jointly developed Disaster Recovery Plan, and both
          Parties agree to work together to achieve these targets;

          1.5.9 The Parties will be jointly responsible for the initiation,
          support and execution of the testing and performance of the Disaster
          Recovery Plan with the Parties respective roles being consistent with
          the roles set forth in this Schedule;

          1.5.10 In the event of a Disaster declaration, IBM and Certegy will
          jointly support the execution of the Restoration; and

          1.5.11 IBM will make commercially reasonable efforts to meet the
          Service Levels during a Disaster declaration.

2.0  DEFINITIONS

     2.1  "COLD SITE" means a fully constructed facility that provides all
          Hot-Site physical services and utilities necessary to support
          Certegy's computer environment. It does not have dedicated computer
          hardware or network equipment.

     2.2  "CRITICAL BUSINESS LPARS" means the LPARS specified by Certegy to
          support Certegy's vital business functions in the event of a Disaster.
          The Critical Business LPARS are set forth in Attachment 2 hereto.

     2.3  "CRITICAL SYSTEM PROCESS" means any application process that is
          required to support the Critical Business LPARS.

     2.4  "DISASTER" means any unplanned interruption of information processing
          for Certegy, due to causes beyond the reasonable control of Certegy or
          IBM, which significantly impair the ability of IBM to perform the
          Services and to operate the Critical Business LPARS at the Data Center
          facility.

     2.5  "DISASTER Recovery" means the Restoration, at a location other than
          the Data Center,

                                                                    Page 2 of 13

<PAGE>

          of Critical Business LPARS and Critical System Processes following a
          declared Disaster.

     2.6  "DISASTER RECOVERY PLAN" or "PLAN" means the mutually agreed upon plan
          for recovering Certegy's Critical Business LPARS necessary for
          continuation of the vital business processes of Certegy.

     2.7  "CERTEGY CONFIGURATION" means the mainframe hardware and/or mainframe
          software and Midrange equipment provided by Certegy as set forth in
          the Disaster Recovery Plan, designated for support of the Critical
          Business LPARS or the Midrange environment during a declared Disaster.

     2.8  "HOT-SITE" means a fully equipped data center environment, which
          contains the IBM Configuration.

     2.9  "IBM CONFIGURATION" means the mainframe hardware including
          communication controllers (FEP's) and mainframe software equipment and
          the Midrange equipment provided by IBM, as set forth in the Disaster
          Recovery Plan, designated for support of the Critical Business LPARS
          and the Midrange environment during a declared Disaster.

     2.10 "RECOVERY CENTER" means the facility from which IBM provides Disaster
          Recovery Services.

     2.11 "RESTORATION" means the point in time at which the Critical Business
          LPARS have all data files recovered, and the Critical Applications are
          reinstated after the declaration of a Disaster and is ready for the
          Critical Business LPARS to begin processing as described in the
          Disaster Recovery Plan.

     2.12 "RECOVERY TIME OBJECTIVES" means the Recovery Times for Critical
          Business LPARS and the Critical Applications as set forth in
          Attachment 2 hereto, which both IBM and Certegy will work together to
          achieve.

                                                                    Page 3 of 13

<PAGE>

3.0  DISASTER RECOVERY PLAN

     3.1  The Disaster Recovery Plan will include, but will not be limited to,
          the following:

          3.1.1. a brief description of the critical systems process and
               functions;

          3.1.2. a listing of the Critical Business LPARS;

          3.1.3. the agreed target recovery objective time frame for each
               Critical Business LPARS;

          3.1.4. the hardware equipment and software comprising the IBM
               Configuration used for Disaster Recovery;

          3.1.5. the hardware equipment and software comprising the Certegy
               Configuration used for Disaster Recovery, if any;

          3.1.6. IBM's and Certegy's recovery responsibilities;

          3.1.7. copies of the recovery plans and procedures;

          3.1.8. copies of the Applications Software - Certegy recovery plans
               and procedures;

          3.1.9. escalation processes and critical staff list for both IBM and
               Certegy;

          3.1.10. contact listings of Certegy and IBM key personnel on the
               recovery management team;

          3.1.11. identification of recovery teams;

          3.1.12. Disaster declaration process;

          3.1.13. names of those Certegy individuals who are authorized to
               declare a Disaster;

          3.1.14. the schedule for the periodic tape backup of Critical Business
               LPARS;

          3.1.15. the location and schedule for off-site storage of the tape
               backups;

          3.1.16. notification procedures;

          3.1.17. recovery information, procedures, schedules, etc.; and

          3.1.18. procedures for maintaining the Disaster Recovery Plan.

                                                                    Page 4 of 13

<PAGE>

4.0  IBM'S DISASTER RECOVERY PLAN RESPONSIBILITIES

     4.1  As part of its Disaster Recovery responsibilities, IBM shall:

          4.1.1. provide a representative who is knowledgeable (and at least one
               alternate in case the primary representative is unavailable) in
               Disaster Recovery planning and the Disaster Recovery Plan (the
               "IBM Disaster Recovery Coordinator") to serve as a single point
               of contact for Certegy's Disaster Recovery related communications
               and activities. The IBM Disaster Recovery Coordinator will be
               responsible for the development, maintenance, documentation and
               testing of the System Disaster Recovery Plan;

          4.1.2. develop, within one hundred and eighty (180) days of the
               Effective Date, a Disaster Recovery Plan and procedures in
               cooperation with Certegy and update if necessary, the Disaster
               Recovery Plan on an annual basis or as warranted by business
               and/or technical changes to ensure compatibility with Certegy's
               and IBM's overall Disaster Recovery strategies and related plans;

          4.1.3. provide and support the Disaster Recovery Service
               infrastructure as requested by Certegy;

          4.1.4. provide the Critical LPARS backup and recovery plans as
               required to meet the agreed recovery requirements and timetable;

          4.1.5. in cooperation with Certegy, test the Disaster Recovery Plan
               twice annually to ensure the Plan remains practicable and
               current;

          4.1.6. provide a total of up to one hundred twenty (120) hours for the
               two tests per Contract Year (e.g. 60 hours per each test) at the
               Recovery Center for testing Certegy's Disaster Recovery Plan and
               provide Certegy with a detailed written status report within
               fourteen (14) business days following each Disaster Recovery test
               as well as recommendations and an action plan to correct any
               deficiencies;

          4.1.7. provide Critical LPARS recovery to the last backup cycle
               available from tapes rotated to the off-site storage location or
               as superceded by the cross-site data management and duplication
               processes

          4.1.8. provide application and database recovery to the last backup
               cycle available from tapes rotated to the off-site storage
               location or as superceded by the cross-site data management and
               duplication processes;

          4.1.9. provide overall project management in the event of a Disaster
               or scheduled test;

          4.1.10. verify that problem resolution during tests is performed in a
               timely manner;

          4.1.11. ensure that adequate staff resources are available to support
               the Restoration of the System at all times;

                                                                    Page 5 of 13

<PAGE>

          4.1.12. schedule two (2) tests per Contract Year at dates and times
               acceptable to both Certegy and IBM; and

          4.1.13. work with Certegy to review, and update if necessary, the
               Critical Business LPARS lists on an ongoing basis and present the
               results to the IPT. The IPT will resolve any financial
               implications that may result from such review and update.

5.0  CERTEGY'S DISASTER RECOVERY PLAN RESPONSIBILITIES

     5.1  Certegy's responsibilities:

          5.1.1. Certegy will provide a representative who is knowledgeable in
               Disaster Recovery planning and the Disaster Recovery Plan (the
               "Certegy Disaster Recovery Coordinator") to serve as a single
               point of contact for Certegy's Disaster Recovery related
               communications and activities. The Certegy Disaster Recovery
               Coordinator will be responsible for the development, maintenance,
               documentation and testing of the Application Disaster Recovery
               Plan;

          5.1.2. Certegy will provide network connectivity required for Certegy
               and Certegy customer connectivity to the IBM Disaster Recovery
               Center;

          5.1.3. in cooperation with IBM, review, and update if necessary, the
               Disaster Recovery Plan on an annual basis or as warranted by
               business and/or technical changes to ensure compatibility with
               Certegy's and IBM's overall Disaster Recovery strategies and
               related plans;

          5.1.4. ensure that the Disaster Recovery Services and the
               configurations and capacities that comprise the Certegy network
               are sufficient to meet the Disaster Recovery requirements of the
               Applications Software, in terms of the support of the recovery;

          5.1.5. provide the Application backup and recovery plans as required
               to meet the agreed recovery requirements and timetable;

          5.1.6. in cooperation with IBM, test the Disaster Recovery Plan twice
               annually to ensure the Plan remains current;

          5.1.7. provide resources to support the testing of the Plan;

          5.1.8. provide the IBM Disaster Recovery Coordinator with sufficient
               information to support the reporting of the Disaster Recovery
               test as well as recommendations and an action plan to correct any
               deficiencies;

          5.1.9. provide project management for the validation of the Recovery
               of the Applications in the event of a Disaster or scheduled test;

          5.1.10. request additional test time if required to develop and test
               the Plan, subject to additional charges;

          5.1.11. ensure that adequate staff resources are available to support
               the Application Disaster Recovery at all times;

                                                                    Page 6 of 13

<PAGE>

          5.1.12. provide the interface for auditing entities that require
               review of the Disaster Recovery Plan and/or test results;

          5.1.13. schedule two (2) tests per year at dates and times acceptable
               to both Certegy and IBM;

          5.1.14. work with IBM to review and update if necessary, the Critical
               Business LPARS and critical applications lists on a quarterly
               basis and present the results to the IPT. The IPT will resolve
               any financial implications that may result from such review and
               update; and

          5.1.15. be responsible for the Business Continuity Plan (BCP). The BCP
               contains detailed plans and procedures required to enable the
               continued delivery of products and services in the event of
               disruption to customer business function.

          5.1.16. be responsible for the Restoration of the Midrange environment
               (NT servers referenced in Section 1.3) in accordance with the
               BCP.

6.0  DATA CENTER DISASTER DECLARATION AND RECOVERY

     6.1  The key responsibilities in the event of a Disaster are:

          6.1.1. Certegy shall be responsible for declaring a Disaster. The
               process to declare a Disaster and a list of the Certegy
               representatives authorized to declare such Disaster are specified
               in the Disaster Recovery Plan. The list of representatives will
               be reviewed and updated, if necessary, on a quarterly basis.

          6.1.2. In the event of a Disaster, access to the Recovery Center or
               another recovery facility will be on a first-come-first served
               basis and may be shared with other subscribers also experiencing
               a Disaster. Certegy will be provided access over: (i) customers
               who are not Disaster Recovery Services customers, (ii) customers
               who have scheduled testing, and (iii) customers who subsequently
               notify the Recovery Center that they have declared a Disaster.
               IBM will provide the Recovery Center within 24-hours of notice of
               the Declaration of a Disaster.

          6.1.3. If the primary Recovery Center specified in the Disaster
               Recovery Plan is not available when a Disaster is declared,
               Disaster Recovery Services will be provided at another IBM
               Recovery Center without additional charge.

          6.1.4. The Hot-Site Recovery Center may be occupied for up to six (6)
               weeks after IBM is afforded access to the Recovery Center. After
               six (6) weeks, IBM will provide space in another facility (the
               "Cold Site") for up to six (6) months. Such space shall be
               adequate to install the IBM and Certegy Configurations, if any,
               as set forth in the Disaster Recovery Plan.

          6.1.5. In the event of an extended Disaster, IBM and Certegy will work
               together during the first six (6) weeks following the declaration
               of Disaster to develop and implement a planned move to the Cold
               Site facility. Certegy will have management and financial
               responsibility for providing the Certegy Configuration to the
               Cold Site facility, and the subsequent permanent facility.

                                                                    Page 7 of 13

<PAGE>

               If requested by Certegy, IBM will assist Certegy in obtaining
               such equipment. IBM will have management and financial
               responsibility for providing the IBM Configuration to the Cold
               Site facility and the subsequent permanent facility. During the
               occupation of the Cold Site facility, the Parties will work
               together to develop and implement a plan to move to the permanent
               facility.

          6.1.6. Certegy will support restoration of the Critical Business LPARS
               and the Midrange as documented within the Plan.

          6.1.7. The Parties will cooperate to achieve Restoration in accordance
               with Attachment 2 hereto.

          6.1.8. If a Disaster is declared, from the time of the initial outage
               to five (5) calendar days after Restoration thereafter, IBM will
               be relieved from the Service Level requirements set forth in
               Schedule S of this Transaction Document

     6.2  IBM's Data Center Disaster Recovery responsibilities

          IBM responsibilities for Disaster Recovery will include without
          limitation:

          6.2.1. perform its Disaster Recovery responsibilities as set forth in
               this Schedule G and the Disaster Recovery Plan;

          6.2.2. retrieve and transport any required offsite stored media
               including data and software to the Recovery Center;

          6.2.3. recover the System as specified in the Disaster Recovery Plan
               to support Certegy's Critical Business LPARS;

          6.2.4. assist Certegy in the verification of the recovery of the
               Critical Applications;

          6.2.5. operate the Critical Business LPARS on the IBM and Certegy
               Configurations at the Recovery Center;

          6.2.6. provide adequate office space at the Recovery Center for
               technical support teams and Certegy application support teams to
               conduct recovery operations;

          6.2.7. provide space for the 25 users at the Work Group Recovery
               Center in Atlanta, Georgia. Certegy's access to this site is
               limited to 120 hours during Plan test time per year, and for a
               maximum of six (6) weeks from the date of a Disaster declaration;

          6.2.8. provide and pay for living expenses incurred by IBM personnel
               in the performance of the IBM Disaster Recovery responsibilities
               to include the two annual tests and an actual Disaster
               declaration if applicable; and

          6.2.9. recover the Critical LPARS including the MIPS and storage
               identified in the Disaster Recovery Plan.

     6.3  Certegy's Data Center Disaster Recovery Responsibilities

                                                                    Page 8 of 13

<PAGE>

          In the event of a declared Disaster, Certegy will:

          6.3.1. perform its Disaster Recovery responsibilities as set forth in
               this Schedule G and the Disaster Recovery Plan;

          6.3.2. provide restoration of the Certegy and Certegy customer network
               connectivity including, but not limited to providing connectivity
               to the Disaster Recovery Data Center or if necessary the
               alternative site, switching the appropriate Certegy network
               connections to allow data communication to and from the System by
               Certegy and its Authorized Users for purposes of transmitting and
               receiving data;

          6.3.3. be responsible for the Applications Software - Certegy
               recovery, database restoration and roll-forward and ensuring that
               all restored Applications Software - Certegy are at a level that
               can support the Service;

          6.3.4. ensuring that the Certegy Authorized Users and clients are
               informed of the situation and for all liaison with media and
               external agencies;

          6.3.5. manage the verification of the Restoration of the Applications
               Software - Certegy and reinstatement of the Certegy services to
               the Certegy clients;

          6.3.6. comply with Recovery Center procedures, including those for
               safety and security; and

          6.3.7. pay all travel and living expenses incurred by Certegy
               personnel in the performance of Certegy's Disaster Recovery
               responsibilities.

7.0  DISASTER RECOVERY PLAN TEST FAILURE

     7.1  If a failure occurs in the testing of the Disaster Recovery Plan and
          such failure results in the need for an additional test, all labor and
          offsite storage costs associated with the additional test will be
          borne by the Party solely responsible for the failure. If the failure
          is caused solely by IBM, such test shall not count as a test for
          purposes of the limitation in Section 1.5.3.

     7.2  The evaluation of whether a test was a failure will be jointly
          determined in accordance with the jointly developed success criteria
          developed by the IPT.

8.0  DATA CENTER RECOVERY FAILURE

     8.1  In the event that IBM exceeds its committed recovery time for the IBM
          Configuration, by greater than one (1) days, then, at Certegy's sole
          discretion, the terms and conditions set forth in the Section 17.3 of
          the Master Agreement shall prevail.

                                                                    Page 9 of 13

<PAGE>

9.0  NEW DISASTER RECOVERY REQUIREMENTS

     9.1  Additional services, functions or capacity beyond that specified in
          this Schedule G as of the Commencement Date will be added at the
          request of Certegy subject to Section 9.6 of the Master Agreement.

     9.2  Nothing stated in this Schedule G shall be construed to modify or
          alter the Parties' responsibilities with respect to the Services, the
          Systems Software, the Applications Software, or the Machines as
          specifically set forth elsewhere in the Agreement.

                                                                   Page 10 of 13
<PAGE>

                                ATTACHMENT 1 TO
                                 SCHEDULE G OF
                          TRANSACTION DOCUMENT #03-01
                                (UNITED STATES)
                                MAINFRAME TOWER
                            RESPONSIBILITIES MATRIX

R = Identify Requirements
A = Assist
X = Perform
P = Primary
S = Secondary

<TABLE>
<CAPTION>
                                                                                   RESPONSIBILITY
                                                                                   --------------
 DISASTER RECOVERY RESPONSIBILITIES MATRIX                                          IBM   CERTEGY
 -----------------------------------------                                          ---   -------
<S>                                                                                <C>    <C>
1.0  GENERAL
     A.   Develop requirements for Disaster Recovery                                 A       X
     B.   Provide, test and implement Applications Software - Certegy and            A       X
          dependent data recovery plans
     C.   Provide, test and implement Critical LPARS recovery plans                  X       A
     D.   Provide overall Disaster Recovery project management                       P       S
     E.   Provide Applications Software - Certegy recovery support, verification             X
          and project management
     F.   Provide Certegy network Connectivity to Recovery Site                              X
     G.   Restore Applications Software - IBM recovery support and project           X       A
          management
2.0  DISASTER RECOVERY PLANNING
     A.   Review the Critical Business LPARS                                         S       P
     B.   Update, if necessary, the Critical Business LPARS list                             X
     C.   Develop Disaster declaration processes and procedures                      X       A
     D.   IPT will conduct annual Plan reviews and updates                           S       P
     E.   Provide required capacity requirements for Disaster Recovery                       X
          Services
     F.   Plan for LPARS recovery                                                    X
     G.   Plan for Midrange recovery                                                         X
     H.   Plan for Applications Software - Certegy recovery                          A       X
     I.   Ensure required staff are available to support recovery processes          X       X
     J.   Provide order of recovery for the LPARS                                            X
     K.   Provide order of recovery for the Applications Software - Certegy                  X
     L.   Plan for Applications Software - IBM restoration                           X
3.0  DISASTER Recovery PLAN MANAGEMENT
     A.   Assign an IBM Disaster Recovery Coordinator to maintain the System         X
          Disaster Recovery Plan
</TABLE>

                                                                   Page 11 of 13

<PAGE>

<TABLE>
<CAPTION>
                                                                                   RESPONSIBILITY
                                                                                   --------------
DISASTER RECOVERY RESPONSIBILITIES MATRIX                                           IBM   CERTEGY
-----------------------------------------                                           ---   -------
<S>                                                                                <C>    <C>
     B.   Provide the capacity as agreed in the Disaster Recovery Services           X
     C.   Define the resource requirements for recovery                              A       X
     D.   Assign an Certegy Disaster Recovery Coordinator to maintain the                    X
          Applications Software - Certegy plan
4.0  DISASTER RECOVERY TEST
     A.   Develop semi-annual Disaster Recovery test plans                           A       X
     B.   Provide overall coordination effort for the semi-annual recovery           X
          test(s)
     C.   Approve test success criteria                                              X       X
     D.   Produce written status report of conducted test results within 14          X       A
          business days
     E.   Review Disaster Recovery test results for Disaster Recovery                X       X
          Plan updates as appropriate
     F.   Responsible for travel expenses incurred by IBM staff to support the       X
          test
     G.   Responsible for travel expenses incurred by Certegy staff to support               X
          the test
5.0 DISASTER OPERATIONS
     A.   Declaration of Disaster                                                            X
     B.   Establish and conduct Recovery Coordination Center                         X       A
     C.   Perform recovery of the Applications Software - Certegy and the            X       A
          required data
     D.   Perform recovery of the LPARS                                              X
     E.   Recover the Midrange environment                                                   X
     F.   Recovery of the quick ship hardware                                                X
     G.   Complete recovery as described in Attachment 2.                            X       X
     H.   Management and financial responsibility for providing the IBM              X
          Configuration
     I.   Payment of the IBM Monthly Charge for the Services                                 X
     J.   Responsible for travel expenses incurred by IBM staff to support           X
          the recovery
     K.   Perform recovery of the Application Software - IBM                         X
     L.   Responsible for travel expenses incurred by Certegy staff to support the           X
          recovery
</TABLE>

                                                                   Page 12 of 13

<PAGE>

                                 ATTACHMENT 2 TO
                                  SCHEDULE G OF
                           TRANSACTION DOCUMENT #03-01
                                 (UNITED STATES)
                                 MAINFRAME TOWER

               CRITICAL BUSINESS LPAR TARGET RECOVERY TIME FRAMES

1.   Critical Business LPARS TEL1 and TEL2 supported by the IBM Configuration
     listed in the Disaster Recovery Plan and the associated Disaster Recovery
     time frames are listed below and have been included as part of the Disaster
     Recovery Plan.

2.   The times for recovery are set forth below. The achievement of these times
     is seen to be a joint responsibility in which IBM is responsible for the
     provision of the Services and Certegy for the restoration of the
     Applications Software - Certegy. Failure to obtain these recovery time
     frames due to the acts or omissions of IBM are addressed in Schedule S.

3.   In the event that a new or additional Critical Business Application System
     and/or LPAR is added to the list below Certegy will have the responsibility
     for defining the Disaster Recovery requirements for such additional or new
     Critical Business Application System and/or LPAR.

4.   The Parties shall perform a Disaster Recovery Test to the extent necessary,
     for such additional or new Critical Business Application System and/or LPAR
     prior to production implementation.

5.   Certegy is responsible for the recovery times of the Midrange environment.

TABLE 1. CRITICAL LPAR AND CRITICAL APPLICATION RECOVERY TIME

<TABLE>
<CAPTION>
LPAR                                               RECOVERY TIME
----                                               -------------
<S>                                                <C>
TEL1                                                 48 Hours
TEL2                                                 48 Hours
List of critical applications will be identified
   in the Disaster Recovery Plan
</TABLE>

                                                                   Page 13 of 13
<PAGE>

                                  SCHEDULE H OF
                          TRANSACTION DOCUMENT #03-01
                                 (UNITED STATES)
                                 MAINFRAME TOWER
                                 TRANSITION PLAN

1.0 TRANSITION

This Transition Plan, Schedule H, describes items and or tasks that are new or
updated from the existing processes and procedures.

2.0 COMMENCEMENT

The Transition Plan begins on the Effective Date and concludes on the
Commencement Date.

3.0 CRITICAL MILESTONES

The Critical Milestones are set forth below:

<TABLE>
<CAPTION>
                                                                             2003 TARGETED
    CRITICAL MILESTONES                       DEFINITION                      COMPLETION
--------------------------   -------------------------------------------   ----------------
<S>                          <C>                                           <C>
Effective Date               The date this Transaction Document            March 14, 2003
                             between Certegy and IBM is executed.

Procedures Manual            Delivery of baseline manual                   July 30, 2003

GSD Security Controls        Document Certegy's physical and logical       November 1, 2003
Document for Strategic       security policies that should be
Outsourcing                  implemented on the systems, IBM to perform
                             gap analysis (policy vs implementation)
                             and make recommendations for potential
                             improvements, Certegy reviews
                             recommendations and agrees/declines
                             enhancements, final document approved.

                             PC REFRESH

Mutually create and          IBM and Certegy shall conduct joint           April 1, 2003
agree to a completed         planning sessions which will result in a
Desktop Technology           plan to roll out the agreed to 100 PC's
Refresh Plan                 beginning in September of contract year 1,
                             1200 PCs in year 2 at a rate of 1/12th a
                             month, and the remaining number of PCs in
                             year 3 at a rate of 1/12th a month. The
                             plan shall include mitigation of any
                             inhibitors to the rollout (for example,
                             departments that cannot be moved because
                             applications are not
</TABLE>

Schedule H                              March 14, 2003               Page 1 of 4
CERTEGY/IBM CONFIDENTIAL

<PAGE>

<TABLE>
<CAPTION>
                                                                             2003 TARGETED
    CRITICAL MILESTONES                       DEFINITION                      COMPLETION
--------------------------   -------------------------------------------   ----------------
<S>                          <C>                                           <C>
                             supported on current hardware platforms, or
                             customer declared freezes in the
                             environment). The Desktop Technology
                             Refresh Plan will be included in the
                             Procedures Manual.

                             DESKSIDE SUPPORT

Processes & Tools in place   All processes and tools are in place to       July 30, 2003
for Software delivery and    start performing testing and dual
Deskside support             operations

Dual period of operations    Completion of IBM performing activities       August 15, 2003
                             that will be required during steady state
                             in a test environment

Deskside support cutover     IBM Deskside to perform steady state          August 31, 2003
                             support

                             MAINFRAME

Mainframe hardware orders    CPU and subcomponents                         March 15, 2003

Hardware/Software            All components installed and dual             June 31, 2003
installation completed       setup completed

Verification of dual         Confirmation that the systems are             August 15, 2003
functionality                running as required

Remote Operations            Monitoring of dual hardware from remote       August 15, 2003
Testing                      location confirmed

Mainframe support cutover    IBM assumes Steady State support              August 31, 2003
to IBM

                             HELPDESK

Shadowing current Helpdesk   IBM employee's will shadow current Helpdesk   July 30, 2003
employee's                   employee's

Remote Helpdesk              Remote Helpdesk will be setup and access      August 15, 2003
established                  to the Certegy network will be confirmed

HelpDesk Cutover             Remote Helpdesk will be Steady State          August 31, 2003

                             TOOLS

Help Desk tools              Install the eESM tool suite, including        August 1, 2003
                             ManageNow
</TABLE>

                                                                     Page 2 of 4

<PAGE>

4.0 TRANSITION OVERVIEW

     A.   Transition Objectives

     In general, the Transition objectives include:

     1.   using commercially reasonable efforts, complete the enhancements
          detailed above to the Services, with minimal disruption to Certegys'
          operations within 180 days from the Effective Date;

     2.   replacing the mainframe CPU and all related subsystem hardware during
          the transition period. This includes bringing up the equipment and
          allowing for dual operations and remote operations prior to the end of
          the 180 day transition;

     3.   establishing a remote help desk and utilizing the IBM help desk
          resources to shadow the current help desk employee's prior to the end
          of the 180 day transition;

     4.   determination of the 2003 desktop replacements as well as the rollout
          plan, staffing plan, wall to wall inventory for asset tracking
          baseline and infrastructure support to perform by the end of the 180
          day transition;

     5.   jointly updating the Procedures Manual as required once the Procedures
          Manual is baselined;

     6.   implementing the processes and procedures which will assist IBM in
          meeting the new Service Levels; and

     7.   providing for monthly Transition status updates and information to
          Certegy's management, designated End Users, and the Transition Team.

     B.   Transition Methodology

IBM's transition methodology provides that:

     1.   IBM and Certegy will each appoint an individual (the "Transition
          Manager" and collectively the "Transition Managers") who will be
          responsible for overseeing the completion of the transition
          responsibilities and coordinating activities with the other. The IBM
          Transition Manager and Certegy Transition Manager will work together
          to facilitate the completion of the transition activities according to
          the agreed schedule and processes. The Transition Managers will meet
          regularly to review the status of the transition activities and to
          address any issues.

     2.   Transition team members from both IBM and Certegy will be assigned
          specific tasks to be accomplished within the time frames agreed.
          Required coordination will take place through the transition meetings
          chaired by the Transition Managers. The Transition Managers will
          determine the frequency and location of all scheduled meetings. At a
          minimum, there will be a joint weekly meeting with Certegy and IBM
          management to review the status of the Transition.

     3.   Each Transition team member will present issues, concerns and comments
          (if any) to the attention of the Transition Managers at the scheduled
          meetings or as necessary. The plan for resolving issues, including the
          identification of the responsible team members and the scheduled dates
          for resolution, will be agreed to at the Transition meetings.

     4.   The Transition team will jointly coordinate the Transition process
          with Certegy's vendors, suppliers and contractors.

     5.   Entrance and exit criteria will, be jointly developed and utilized to
          verify completion of transition activities.

                                                                     Page 3 of 4

<PAGE>

     6.   User Acceptance criteria will be established and agreed upon in
          writing by Certegy and IBM prior to IBM's Commencement Date for
          Services.

5.0 TRANSITION DELAY

     5.1 If the Commencement Date for Services has not occurred by August 31,
     2003, and such occurrence is solely caused by IBM, then IBM will, at IBM's
     option, pay or provide a credit to Certegy in an amount equal to the
     difference in the (i) average monthly amount paid by Certegy to Electronic
     Data Systems ("EDS") in May, June and July 2003 for services (which shall
     not include amounts paid for such items as projects or additional work that
     are not within the scope of the Services under this Transaction Document)
     that are identical to the Services and (ii) the ASC divided by four (4) in
     2003, which equals the per month amount that Certegy would have paid IBM
     pursuant to this Transaction Document had IBM been providing the Services
     on the Commencement Date; provided, however, that such amount, if any, will
     be prorated on a daily basis for any time period less than a full month,
     until the actual Commencement Date. For example, if the average monthly
     charge for the months of May, June and July was $1,200 a month and IBM's
     ASC on a monthly basis is $1,000 a month, Certegy would receive $200 for
     each such full month that IBM was not providing the Services past August
     31, 2003. IBM and Certegy shall reasonably cooperate to validate the amount
     paid by Certegy to ("EDS") the Third Party provider to determine if any
     credit or payment is due to Certegy by IBM, or, the Parties may use a
     mutually agreed to third party to verify the amounts paid for such
     identical services.

     5.2 If the Commencement Date has not occurred on or before October 15,
     2003, then the Commencement Date shall be reestablished to January 18,
     2004, and the provisions of Section 5.1 shall apply.

                                                                     Page 4 of 4
<PAGE>

                                 SCHEDULE I OF
                          TRANSACTION DOCUMENT #03-01
                                (UNITED STATES)
                                MAINFRAME TOWER
                             IBM NETWORK LOCATIONS

This Schedule is a listing by address of the data Network locations and
the items maintained by IBM. This table is an inventory and will be
updated and maintained through the term of this Transaction Document.

ADDITIONAL NETWORK LOCATIONS WILL BE IDENTIFIED ONCE KNOWN.

Table 1. Network locations

<TABLE>
<CAPTION>
S/NUMBER                         LOCATION                   ITEM
--------                 -----------------------   --------------------------
<S>                      <C>                       <C>
See Schedule C-Certegy   St. Petersburg, Florida   4745's, 3174's, Channel
   Provided Hardware                               Extender,
See Schedule C-Certegy   Madison, Wisconsin        4745-210, Channel Extender
   Provided Hardware
</TABLE>

Schedule I                           March 14, 2003              Page 1 of 1
CERTEGY/IBM CONFIDENTIAL
<PAGE>

                                  SCHEDULE J OF

                           TRANSACTION DOCUMENT #03-01
                                 (UNITED STATES)
                       PRICING AND CHARGING METHODOLOGIES

1.0  INTRODUCTION

a.   This Schedule describes the methodology for calculating the Services
     charges. The Annual Service Charge (ASC), Additional Resource Charges
     (ARCs), Reduced Resource Charges (RRCs), Transition Charges, Economic
     Change Adjustment, and any other charge provisions set forth in this
     Transaction Document are intended in the aggregate to compensate IBM for
     the resources used to provide the Services. In addition, this Schedule
     describes the measures of resource utilization and the tracking of such
     usage.

b.   Attached to this Schedule are the following:

     Exhibit J-1 which summarizes the financial responsibilities of Certegy and
     IBM under this Transaction Document (the "Financial Responsibilities
     Matrix").

c.   The Supplement which lists the ASC, Economic Change Adjustment, Baselines,
     Additional Resource Charges (ARC) Rates, Reduced Resource Charge (RRC)
     Rates, Transition Charges, Termination Charges and other applicable rates.

2.0  CHARGES, CREDITS AND PAYMENTS

2.1  GENERALLY

a.   Certegy is financially responsible for all costs and expenses associated
     with its responsibilities in this Transaction Document. The ASC, ARCs and
     all other charges payable by Certegy under this Transaction Document do not
     include such costs and expenses.

b.   All periodic charges will be computed on a calendar month basis and will be
     prorated for any partial month, unless this Transaction Document expressly
     states otherwise.

2.2  CHARGES

a.   Transition Charge

     The charge associated with the migration of Services to IBM that reflects
     IBM's initial start-up costs (for example, equipment, personnel) and the
     implementation of Services, processes and procedures (the "Transition
     Charge"). IBM will invoice Certegy for the Transition Charge set forth in
     the Supplement in the following manner: The Transition Charges will be
     pro-rated over thirty six (36) months from the Effective Date and will be
     invoiced in equal amounts beginning in the first month after the
     Transaction Document Effective Date and continuing thereafter for a total
     of thirty six (36) months.

b.   Annual Services Charge

     IBM will invoice Certegy each month of the Transaction Document Term in
     accordance with Section 9.2 of the Master Agreement beginning on the
     Commencement Date, the recurring fixed charge to Certegy for the Services
     which includes the quantity of Resource Units set forth in the Baselines
     (the "Monthly Charge") for such month, prorated in equal monthly payments.
     The twelve-month total of the Monthly Charge in a calendar year, or the
     total amount listed in a partial year, is reflected in the Supplement as
     (the "Annual Service Charge" (ASC)) for that year.

Schedule J                       March 14, 2003
CERTEGY/IBM CONFIDENTIAL

                                                                    Page 1 of 17

<PAGE>

c.   Additional Resource Charges

     IBM will invoice Certegy each month of the Transaction Document Term in
     accordance with Section 9.3 of the Master Agreement, beginning 30 days
     after the Transaction Document Commencement Date, for Certegy's usage of
     Resource Units above the applicable Baseline ("the ARCs"), if any,
     applicable for the prior month and will be included as a separate line item
     on the monthly Invoice. ARC's do not apply unless, until and only to the
     extent that usage of Resource Units exceeds the Baseline by five percent
     (such five percent being referred to herein as the "ARC Deadband").

d.   Economic Change Adjustment

e.   IBM will invoice Certegy for the Economic Change Adjustment in accordance
     with Section 3.0 of this Schedule J (Economic Change Adjustment) and will
     be included as a separate line item on the monthly Invoice.

f.   Termination Fees

If Certegy terminates this Transaction Document early for its convenience or
Change of Control, as set forth in Section 12.1c. or d. of the Master Agreement,
Certegy will pay IBM the following:

the Termination Charge set forth in the Supplement; and

IBM's Wind-Down Expenses due to Certegy's early termination for convenience or
Change of Control.

Within 60 days of Certegy's effective date of termination of this Transaction
Document for convenience or Change of Control, IBM will invoice Certegy for such
Termination Charges. Wind Down Expenses will be invoiced to Certegy as they
occur. Certegy will pay such charges to IBM as specified in this Transaction
Document and the Master Agreement.

The Termination Charge set forth in the Supplement will be prorated according to
the following formula:

                               TERMINATION CHARGE
                               PRORATION FORMULA

<TABLE>
<S>                   <C>
Termination Charge =  [((A-B) / 12 months) x C] + B
Proration Formula
         A         =  the Termination Charge for the year in which termination
                      is effective.
         B         =  the Termination Charge for the year after the year in
                      which termination is effective.
         C         =  the number of months remaining during the year in which
                      termination is effective.
</TABLE>

g.   Other Charges

     IBM will invoice Certegy for New Services, and any other agreed upon
     charges or reductions according to prior agreed procedures and in
     accordance with the Master Agreement.

2.3  CREDITS

a.   Reduced Resource Credits

     IBM will provide Certegy with a credit as set forth in the Supplement,
     provided Certegy's usage of a Resource Unit is less than the applicable
     Baseline (a "Reduced Resource Credit"(RRC)), if any, applicable for the
     prior month as a line item on the Invoice for each month of the Transaction
     Document Term, beginning 30 days after the Transaction Document
     Commencement Date. RRC's do not apply unless, until and only to the extent
     that usage of Resource Units is less than the Baseline by five percent
     (such five percent being referred to herein as the "RRC Deadband").

2.4  PAYMENTS

Certegy will pay IBM's invoices as set forth in this Schedule J and the Master
Agreement.

2.5  PROJECTS

If Certegy requests IBM to perform a New Service, which IBM and Certegy agree
should be a project, IBM and Certegy will develop a detailed plan describing the
project in accordance with Schedule N. The

                                                                    Page 2 of 17

<PAGE>

Project Plan will state IBM's charges for such Project, such as hourly services
fees, a fixed price, or an adjustment to the charges set forth in this
Transaction Document.

3.0  ECONOMIC CHANGE ADJUSTMENT

a.   IBM will calculate and apply an adjustment to the Monthly Charges based
     upon economic changes (an "Economic Change Adjustment or ECA") as described
     below beginning in January 2004. The ECA will be payable on a prospective
     basis (for example, the actual inflation for December 2003 will determine
     the ECA for the year 2004) on the ASC and ARCs minus the RRCs payable by
     Certegy. The ECA will be determined as soon as practicable after the end of
     each calendar year using the formula below {the "ECA Factor").

b.   IBM will invoice Certegy for the ECA, if any, beginning in January 2004 and
     monthly thereafter and will be included as a separate line item on the
     monthly invoice.

c.   Certegy and IBM agree to use the December unadjusted Consumer Price Index,
     as published in the Summary Data from the Consumer Price Index News Release
     by the Bureau of Labor Statistics, U.S. Department of Labor, For All Urban
     Consumers (the "Price Index"), for purposes of determining actual
     inflation. In the event such Price index is no longer published or its
     content and format is substantially changed, Certegy and IBM will
     substitute another comparable index published at least annually by a
     mutually agreeable source. If the Bureau of Labor Statistics merely
     redefines the base year for the Price Index from 1982-84 to another year,
     Certegy and IBM will continue to use the Price Index, but will convert the
     Base Year Index to the new base year by using an appropriate conversion
     formula.

d.   Actual Inflation

     IBM will calculate the ECA by comparing the change in the year-to-year
     Price Index with the Price Index for the December before the Transaction
     Document Effective Date (the "Base Year Index"). For each calendar year of
     the Transaction Document Term, the actual Price Index for the last month
     December before the year for which the ECA is being calculated (the "Actual
     Inflation") will be compared to the Base Year Index in the Supplement (for
     example, the December 2003 Price Index will be used to determine the ECA
     for the year 2004). If Actual Inflation is equal to or less than the Base
     Year Index, then no ECA is due. If, however, Actual Inflation is greater
     than the Base Year Index, then IBM will apply the ECA to the ASC and ARCs
     less RRCs due IBM for the year for which IBM is calculating the ECA.

e.   Inflation Sensitivity

     A percentage has been established that reflects the inflationary impact on
     IBM's delivery of the Services (the "Sensitivity Factor"). The Sensitivity
     Factor is set forth in the table below.

f.   ECA Factor

     The ECA is equal to the ECA Factor times the sum of the ASC plus ARCs less
     RRCs due IBM for each month of the calendar year succeeding the calendar
     year during which Actual Inflation is greater than the Base Year Index.
     Calculate the ECA Factor as follows:

                                   ECA FACTOR

<TABLE>
<S>                   <C>
ECA Factor         =  [Marginal Inflation Rate x Sensitivity Factor]
Marginal Inflation =  [(Actual Inflation - Base Year Index) / Base Year Index]
Rate
Actual Inflation   =  The Price Index for the December before the calendar year
                      for which the ECA is being calculated.
Base Year Index    =  The Price Index for the December before the Transaction
                      Document Effective Date.
Sensitivity        =  Is 90% for the first 2% of the Marginal Inflation Rate,
Factor                and 50% for any amount of the Marginal Inflation Rate in
                      excess of 2%.
</TABLE>

                                                                    Page 3 of 17
<PAGE>

g. ECA Calculation

1. The example below calculates the ECA based on the following assumptions:

a. Transaction Document Effective Date in 2003;

b. Base Year Index of the Price Index for December 2002;

c. ECA calculation begins in January 2004;

d. Inflation Sensitivity of 90 percent of the first 2% of the marginal rate and
   50% on the remainder.

e. the following Actual Inflation examples:

                            ECA CALCULATION EXAMPLE
                           ACTUAL INFLATION EXAMPLES

<TABLE>
<CAPTION>
BASE YEAR INDEX    DECEMBER   DECEMBER   DECEMBER   DECEMBER   DECEMBER
  2002 = 180.9       2003       2004       2005       2006       2007
----------------   --------   --------   --------   --------   --------
<S>                <C>        <C>        <C>        <C>        <C>
Actual Inflation     185.3      188.7      190.3      194.3      197.1
</TABLE>

2. According to this example:

A. there will be an ECA for calendar years 2004 through 2008 because the Actual
Inflation for the year preceding each year is greater than the Base Year Index.
To determine the ECA, using this example, in addition to the other charges for
February 2004, assume:

          (i)   the monthly prorated portion of the ASC for February is
                $1,410,000,

          (ii)  there are CPU ARCs of $30,867.50 due for an increase of 50 MIPS
                in that month using the ARC rate of $617.35 per month per MIPS,
                and

          (iii) there are DASD RRCs of $2,325 due for a decrease of 500 GIGs for
                that same month using the RRC rate of $4.65 per month per GIG.

B. the calculation will be as follows:

                             ECA CALCULATION EXAMPLE

ECA = ((ASC + ARCs - RRCs) x ECA Factor)

ECA = [(($1,410,000 + 30,867.5 - $2,325) x (185.3 - 180.9)/180.9) x ((0.90
      first 2%)+ (50% remainder))

ECA = $1,438.542x (.0243) x ((90 % for first 2%) + (50% for remainder))

ECA = $1,438,542x ((.02 X 90%) + (.0043 x 50%))

ECA = $1,438,542 x .02016142

ECA = $29,003 (this amount will be reflected on the Monthly Invoice)

C. The ECA for each month of each year in which the ECA is due is calculated as
above substituting the appropriate monthly moneys and the ECA Factor based upon
the actual information.

4.0  RESOURCE UNITS AND MEASUREMENT METHODOLOGY

4.1  GENERALLY

a.   As of the Transaction Document Commencement Date and each month thereafter,
     IBM will measure, track and report on Certegy's usage of Resource Units,
     that is a unit of resource for which IBM and Certegy have established a
     Baseline, as set forth in the Supplement (the "Resource Unit" (RU)) in the
     categories set forth in this Section using the processes and procedures in
     the Procedures Manual.

                                                                    Page 4 of 17

<PAGE>

b.   As of the Transaction Document Commencement Date, the quantity of Resource
     Units for each category of resources provided to Certegy under this
     Transaction Document will be specified in the Supplement as a Baseline.
     Upon Commencement Date, Certegy will have immediate and continued use of
     the Mainframe Services Resource Baselines as illustrated in the Supplement
     subject to ARCs, RRCs and the ARC and RRC Deadbands.

4.2  MAINFRAME SERVICES RESOURCES

a. CPU MIPS

The Resource Unit in this category is CPU MIPS. One Resource Unit equals one
MIPS. The resource usage in this category will be measured as the daily peak
number of CPU MIPS utilized by Certegy (Monday through Friday excluding
holidays), averaged over the contract month (the "Daily Peak Average"). The
aggregate daily peak CPU MIPS utilized in a contract month divided by the number
of days (Monday through Friday excluding holidays) in that month shall determine
the Daily Peak Average (for example, if 20 days of a contract month of
measurement yielded an aggregate 17,340 peak CPU MIPS, the Daily Peak Average
would be 867) CPU MIPS resource usage will be measured 24X5 (Monday through
Friday excluding holidays) and will include all components of CPU MIPS utilized
during the contract month.

One MIP equals One Million Instructions per Second.

The CPU MIPS Baselines listed in the Supplement reflect the quantity of CPU
Resource Units (MIPS) included in the ASC.

ARCs and RRCs apply to CPU MIPS resource usage. An RRC will be equal to 100
percent of the ARC.

ARCs apply to CPU MIPS Resource Units above the ARC Deadband (as defined in
Section 6.1,a herein). RRCs apply to CPU Resource Units (MIPS) below the RRC
Deadband (as defined in Section 6.1.b herein). Section 6.1 below describes the
process by which ARC's and RRCs are applied to the Baseline.

Pricing reflected in the Supplement is not based on the quantity of batch jobs
and/or the number of CICS regions.

b. Utilized DASD

This resource usage will be measured as the peak number of gigabytes of DASD
utilized during a contract month. DASD utilized will be measured using the MVS
facility or other mutually agreeable substitute. One gigabyte of DASD disk
equals one Resource Unit. Resource usage for utilized DASD will be measured,
tracked and reported in whole RUs.

The DASD Baseline in the Supplement reflects the agreed quantity of DASD
Resource Units in Gigabytes included in the ASC.

ARCs and RRCs apply to DASD resource usage upon the Transaction Document
Commencement Date. An RRC will be equal to 100 percent of the ARC.

ARCs apply to DASD Resource Units above the ARC Deadband (as defined in Section
6.1 herein). RRCs apply to DASD Resource Units (GB) resources below the RRC
Deadband (as defined in Section 6.1b herein). Section 6.0.0 below describes the
process by which ARC's and RRCs are applied to the Baseline.

c. Tape

Resource usage for this category will be measured as the aggregate number of
tapes IBM loads either via an automated fashion, including virtual, or manually
during the contract month.

Tape resource usage will be measured using appropriate tape management system
products reports (for example, MVS);

One tape mount equals one RU.

                                                                    Page 5 of 17

<PAGE>

The tape Baseline in the Supplement reflects the agreed quantity of tape
utilization Resource Units included in the ASC.

ARCs and RRCs apply to resource usage in this category. An RRC will be equal to
100 percent of the ARC.

ARCs apply to Tape Resource Units above the ARC Deadband (as defined in Section
6.1a herein). RRCs apply to Tape Resource Units below the RRC Deadband (as
defined in Section 6.1.b herein). Section 6.0.0 below describes the process by
which ARC's and RRCs are applied to the Baseline.

4.3  HELP DESK SERVICES RESOURCES

a. Resource Measurement

The resource usage for this category will be measured as the number of requests
for services or assistance received by the Help Desk from Certegy End Users or
Authorized Users by facsimile, electronically, or telephone (including
electronic or voice entry where the End User selects to speak to an agent or
process an automated function); but excluding calls to the systems status
recording (the "Calls"), during the applicable measurement period. (Note: Calls
are related to incoming calls only and do not apply to any outbound calls).

Customer Service Center Calls will be measured using the IBM Call monitoring
system. One Call equals one RU.

The Customer Service Center Calls Baseline in the Supplement reflects the agreed
quantity of Customer Service Center Resource Units included within the ASC.

ARCs and RRCs apply to Resource Usage in this category. An RRC will be equal to
100% of the ARC.

ARCs apply to Call Resource Units above the ARC Deadband (as defined in Section
6.1a herein). RRCs apply to Call Resource Units below the RRC Deadband (as
defined in Section 6.1.b herein). Section 6.0 below describes the process by
which ARC's and RRCs are applied to the Baseline.

b. Desktop Management Services Resources - Resource Measurement

Resource usage for this category will be measured as the number of Supported
Desktops/Laptops operational at the Facilities (St. Petersburg FL, Madison Wl,
Salt Lake City UT, Alpharetta GA, and Tuscaloosa AL) as recorded in the asset
database maintained by IBM and measured according to the Procedures Manual
during the applicable measurement period. A supported Desktop includes the CPU
box with disk, the monitor, keyboard and mouse. A Supported Desktop/Laptop will
be considered operational:

     1.   upon its install and is agreed to be in working order by Certegy End
          User or as IBM discovers or is otherwise notified by Certegy;

     2.   until IBM deinstalls it as an IMAC event or as IBM is otherwise
          notified that it is a deinstalled unit; or

     3.   until it is classified as unserviceable in accordance with the
          Procedures Manual.

One Supported Desktop/Laptop equals one RU. A supported Laptop includes the CPU
box with disk, the monitor, keyboard and mouse.

The Supported Desktop/Laptop Baseline set forth in the Supplement reflects the
agreed quantity of Supported Desktop/Laptop Resource Units included in the ASC.

ARCs and RRCs apply to Resource Usage in this category. An RRC will be equal to
100% of the ARC.

ARCs apply to Desktop/Laptop Resource Units above the ARC Deadband (as defined
in Section 6.1,a herein). RRCs apply to Desktop/Laptop Resource Units below the
RRC Deadband (as defined in

                                                                    Page 6 of 17

<PAGE>

   Section 6.1b herein). Section 6.0 below describes the process by which
   ARC'S and RRCs are applied to the Baseline.

c. Install, Move, Add, and Change Services

IMAC events are defined as follows:

a. Install means:

          (i)  the unpacking and connection of a new system unit (i.e., a unit
               not listed in the hardware asset inventory), including additional
               hardware features and directly attached peripheral devices that
               are part of the Standard Configuration and, upon completion of
               such unpacking and connection, imaging the units as described in
               the Procedures Manual and conducting the manufacturer's standard
               installation tests to verify that the hardware and software are
               functional with network connectivity, provided Certegy has
               provided such test specifications and there is a network data
               line installed at the location.

b. Move

          (i) within a Facility - disconnecting a currently installed system
          unit, including the directly attached peripheral devices, packing the
          equipment for movement from the current End User's location at a
          Facility to the new End User location within the same Facility,
          unpacking and reconnecting the same system unit and the directly
          attached peripheral devices and, upon completion of such activities,
          conducting the manufacturer's standard installation tests to verify
          the hardware and software are functional with network connectivity,
          provided Certegy has provided such test specifications and there is a
          network data line installed at the new location.

          (ii) between Facilities - disconnecting a currently installed system
          unit, including the directly attached peripheral devices, packing the
          equipment for movement from the current End User location at a
          Facility to the new End User location at another Facility, unpacking
          and reconnecting the same system unit and the directly attached
          peripheral devices and, upon completion of such activities, conducting
          the manufacturer's standard installation tests to verify the hardware
          and software are functional according to their specifications with
          network connectivity, provided Certegy has provided such test
          specifications and there is a network data line installed at the new
          location.

          (iii) disconnect only - for those system units at a Facility that are
          being disconnected and which are not being reconnected at a new
          location, disconnecting a currently installed system unit, including
          the directly attached peripheral devices, and packaging the equipment
          for movement from the current End User location to a
          Certegy-designated storage or staging area within the Facility for
          Certegy's removal or disposal.

C. ADD means, with respect to:

          (ii) hardware - installing an additional internal or external device
               (such a modem, disk, printer scanner) and appropriate device
               driver to a currently installed system unit.

          (iii) software - installing additional Standard and Non-Standard
               Products software to a currently installed system unit, (via
               diskette or other method), per instructions provided by Certegy.

D. CHANGE means, with respect to:

          (i) hardware - performing a modification to an existing system unit
          such as a hardware upgrade (to add functionality) or a downgrade (to
          remove functionality), including a device driver and, upon completion
          of such activity, conducting the manufacturer's standard installation
          tests to verify the hardware and software are functional according to
          their specifications with network connectivity, provided Certegy has
          provided such test specifications and there is a network data line
          installed at the location.

          (ii) software - performing a modification to an existing software
          configuration according to specific documentation or instructions,
          such as setting up network icons or customizing an application load or
          re-imaging unit and, upon completion of such activities, conducting
          the

                                                                    Page 7 of 17

<PAGE>

          manufacturer's standard installation tests to verify that the hardware
          and software are functional according to their specifications with
          network connectivity, provided Certegy has provided such test
          specifications and there is a network data line installed at the
          location.

          (iii) software upgrades or changes that represent significant
          functional enhancements and require changes to data structure (for
          example, Windows 95 to Windows XP) may be handled, at IBM's option as
          agreed by Certegy, as:

               (1)  an IMAC (i.e., as a Software Change) per End User upgrade;

               (2)  as a Project as defined in accordance with Schedule N.

5.0  BASELINE NORMALIZATION

IBM may, at its expense, implement technological advancements relative to
providing the Services at a time and with methods agreed to by the Parties,
provided IBM performs the Services according to the Service Levels. If such
technological advancements will have an effect on a Baseline, IBM will normalize
such affected Baseline, and the ARC Rate and/or RRC Rate so that Certegy
receives the same level of performance and the same price performance as Certegy
received under the methodology applicable to such Baseline, ARC Rate or RRC
Rate. IBM will review with Certegy the conversion methodology (for example,
historical data) that IBM used to support such adjustments.

6.0  ADDITIONAL OR REDUCED RESOURCES

Certegy's increased or decreased resource usage within a Service category may
result in either an ARC or RRC. After the completion of each month during the
Transaction Document Term, following the first month after the Transaction
Document Commencement Date, IBM will calculate ARCs and RRCs as set forth in
this Section.

There is no formal notification period nor any minimum time periods of use for
Resource Units utilized by Certegy above or below the Baselines and within the
5% Deadband. If Certegy requests an amount of resource Units that is above or
below the Baseline and 5% Deadband but not more than 19% above the Baseline (a
"Minor Change"), Certegy will give IBM 60 days written notice for these type
requests. IBM will promptly make available those Resource Units unless there is
an issue with lack of physical availability of those Resource Units or there is
a Third Party Agreement that is impacted. Should these be an issue, IBM will
make commercially reasonable efforts to resolve these issues in order to get
Certegy the additional Resource Units as quickly as possible. Any or all
Resource Units may be added or reduced in increments or decrements of 1 Resource
Unit.

In the event Certegy's anticipated Resource Usage will increase or decrease by
more than twenty percent relative to the Baseline (a "Major Change"), then
following shall occur:

          (i) Certegy will provide IBM with one hundred-twenty (120) days
          advance written notice of such anticipated Resource Change, and

          (ii) the parties will jointly develop a plan to effect such change,
          which plan will include but not be limited to, hardware and software
          impacts, and the parties will then enter into negotiations to amend
          the Transaction Document as required to modify Baselines, the ASC,
          ARC's, RRC's, Disaster Recovery or other elements and terms and
          conditions as mutually agreed.

In the event the Resource Usage would increase due to the provision of Section
5.4 of the Transaction Document, then Certegy shall provide one-year advance
written notice to IBM.

6.1  MAINFRAME SERVICES, CUSTOMER SERVICE CENTER SERVICES AND DESKTOP MANAGEMENT
     SERVICES

a.   Calculation of ARCs for Service categories with an ARC Deadband

                                                                    Page 8 of 17

<PAGE>

     For Certegy's usage of RUs for Service categories with an ARC Deadband,
     that is five percent above the Baseline within which ARCs will not apply
     but, when exceeded, ARCs will apply (the "ARC Deadband"), within Mainframe
     Services, Customer Service Center Help Desk Services and Desktop/Laptop
     Management Services, IBM will calculate ARCs as set forth in this Section.

IBM will compare the quantity of RUs actually used during the applicable
measurement period (the Actual RUs) used during the applicable measurement
period with the product of the Baseline multiplied by the sum of 1.00 plus the
ARC Deadband (the "ARC Deadband Baseline") for that category. The ARC Deadbands
are set forth in the ARC and RRC Summary Chart below. There will be no increase
of the charges otherwise payable to IBM for such period if the Actual RUs do not
exceed the ARC Deadband Baseline for such period, if the Actual RUs exceed the
ARC Deadband Baseline for that category for such period, Certegy will pay IBM an
ARC with the current or future charges (or, if no future charges will be due,
make payment to IBM) equal to the product of the ARC Rate for the applicable
category, as set forth in the Supplement, multiplied by the difference between
the Actual RUs for that category and the ARC Deadband Baseline for that
category. For example, assuming the following, the ARC calculation would be as
follows:

(1) the Actual RUs for DASD for a month are 85 gigabytes,

(2) the monthly DASD Baseline is 71 gigabytes,

(3) the ARC Deadband is five percent, and

(4) the ARC Rate is $500.00 per gigabyte.

                                 ARC Calculation

ARC = [(Actual RUs - (Baseline x (1.00 + ARC Deadband))) x ARC Rate]

ARC = (Actual RUs - ARC Deadband Baseline) x ARC Rate

ARC = (85 gigabytes - (71 gigabytes x (1.00 + .05)) x $500.00)

ARC = (85 gigabytes - 74.55) x $500.00

ARC = 10.45 x $500

ARC = $5,225.00

In this example, the ARCs for DASD for the month would be $5,225.00.

b. Calculation of RRCs for Service categories with an RRC Deadband

     For Certegy's usage of RUs for Service categories with a RRC Deadband, that
     is five percent below the Baseline within which RRCs will not apply but,
     when exceeded, RRCs will apply within Mainframe Services, Customer Service
     Center Services and NWS Management Services, IBM will calculate RRCs as set
     forth in this Section.

IBM will compare the quantity of Actual RUs with the product of the Baseline
multiplied by the difference of 1.00 minus the RRC Deadband (the "RRC Deadband
Baseline") for that category. The RRC Deadbands are set forth in the ARC and RRC
Summary Chart below. There will be no reduction of the charges otherwise payable
to IBM for such period if the Actual RUs is equal to or greater than the RRC
Deadband Baseline for such period. If the Actual RUs is less than the RRC
Deadband Baseline for that category for such period, IBM will give Certegy an
RRC against current or future charges (or, if no future charges will be due,
make payment to Certegy) equal to the product of the RRC Rate for the applicable
category, as set forth in the Supplement, multiplied by the difference between
the Actual RUs for the category and the RRC Deadband Baseline for that category.
For example, assuming the following, the RRC calculation would be as follows:

(1) the Actual RUs for DASD for a month are 60 gigabytes,

(2) the monthly DASD Baseline is 71 gigabytes,

(3) the RRC Deadband is five percent, and

                                                                    Page 9 of 17
<PAGE>

(4) the RRC Rate is $500.00 per gigabyte.

                             RRC Calculation

<TABLE>
<S>       <C>
RRC   =   [((Baseline x (1.00 - RRC Deadband)) - Actual RUs) x RRC Rate]
RRC   =           (RRC Deadband Baseline - Actual RUs) x RRC Rate
RRC   =      (71 gigabytes x (1.00 - .05)) - 60 gigabytes) x $500.00]
RRC   =             (67.45 gigabytes - 60 gigabytes) x $500.00]
RRC   =                           7.45 x $500.00
RRC   =                             ($3,725.00)
</TABLE>

In this example, the RRC for DASD for the month would be $(3,725.00).

The following ARC and RRC Summary Chart summarizes the factors used for
calculating ARCs and RRCs for Mainframe Services, Customer Service Center
Services and NWS Management Services.

                            ARC AND RRC SUMMARY CHART

<TABLE>
<CAPTION>
                                                             ARC                  RRC      RRC RATE     ARCs,
                                                 ARCs     DEADBAND     RRCs     DEADBAND  = % of ARC     RRCs
SERVICE CATEGORY                              APPLICABLE      %     APPLICABLE      %        RATE     EFFECTIVE
----------------                              ----------  --------  ----------  --------  ----------  ---------
<S>                                           <C>         <C>       <C>         <C>       <C>         <C>
MAINFRAME SERVICES RESOURCES
   - MIPS                                         yes        5%         Yes        5%        100%      TD.C.D.
   - DASD                                         yes        5%         Yes        5%        100%      TD.C.D.
   - TAPE MOUNTS                                  yes        5%         Yes        5%        100%      TD.C.D.
   - TAPE LIBRARY                                  No                    No                            TD.C.D.
CUSTOMER SERVICE CENTER SERVICES RESOURCES
   - CALLS                                        yes        5%         Yes        5%        100%      TD.C.D.
NETWORKSTATION MANAGEMENT SERVICES RESOURCES
   - SUPPORTED DESKTOPS                           yes        5%         yes        5%        100%      TD.C.D.
</TABLE>

Key:

N/A = Not Applicable

TD.C.D. = Transaction Document Commencement Date

     There will be no RRCs for resource usage below 50 percent of the Original
     Baselines. Should there be a significant change in Certegy's business,
     section 9.13 of the Master Agreement will apply.

6.2 MEASUREMENT PERIOD

The Parties recognize that Certegy's actual Baseline Resource Unit (MIPS, DASD,
Tape and Desktop) usage may vary from Certegy's Baseline Resource Unit usage
prior to the Commencement Date due to the conversion to IBM Machines (including
the VTS tape drives). The Parties desire to establish a measurement period to
validate the Baselines as reflected in the Supplement in addition to validating
the measurement methodologies used to measure each Baseline Resource Unit as
established in this Schedule. Therefore, the parties agree for the six months
following the Commencement Date (the "Baseline Period"), ARCs and RRCs will not
apply to either Party. During the Baseline Period the Parties will monitor and
measure the actual monthly Baseline Resource Units usage trends, and validate
the

                                                                   Page 10 of 17

<PAGE>

Baselines reflected in the Supplement. The Parties will also model various
measurement methodologies to during the Baseline Period to assure the
measurement of Resource Units reflects the Parties mutual costing model. At the
end of the six month Baseline Period, the Parties will analyze the actual
Resource Unit usage and measuring methodologies and the Parties will cooperate
in good faith and mutually determine if the Baseline of any Resource Unit and
associated Annual Service Charge need adjustment from those initially
established in the Supplement and effective on the Commencement Date. If the
Parties agree that any Baseline Resource Unit and associated Charges should be
adjusted, such adjustment shall be reflected in an amendment to this Transaction
Document. Furthermore, the Parties analysis shall also result in a Resource Unit
measurement methodology analysis to determine if the measurement methodology for
each Resource Unit defined in Schedule J is the most appropriate methodology for
the Baseline Resource Units. During the Baseline Period, and until such time
that the joint analysis and Baseline Resource Unit measurement methodology is
mutually agreed, Certegy shall have full utilization of the CPU capacity, for
the CPU listed in Schedule D hereto, which such capacity is limited to 890 MIPS,
at no additional charge to the Annual Service Charge.

After the Baseline Period and upon validation or adjustment of the Baseline
Resource Units and Annual Service Charge, if any, for the remainder of the term
of this Transaction Document the Parties agree that in the event Certegy's CPU
MIPS Resource Unit usage exceeds the ARC Deadband or below the RRC Deadband for
six consecutive months, the Parties shall promptly evaluate and reasonably
cooperate to mutually determine if the MIPS Baseline should be reestablished and
the attendant Annual Services Charge be adjusted accordingly, which such
adjustment shall be reflected in an amendment to this Transaction Document.

If the parties fail to mutually agree on any adjustments to the Baseline and
associated Annual Service Charges, then the issue shall be elevated to the IPT
in accordance with Section 9.12 of the Master Agreement.

7.0 TERMINATION CHARGES

The Termination Charges for Convenience and Change of Control are set forth in
the Supplement and are, in addition to Wind-Down Expenses, if any, payable
pursuant to Section 12 of the Master Agreement.

8.0. PROJECT OFFICE

8.1  INTRODUCTION

     The charge payable by Certegy to IBM for the provision and performance of
     Project Office services for any calendar month during the Term of this
     Transaction Document is included in the Annual Service Charges as set forth
     in the Supplement unless otherwise agreed by the Parties in a written
     amendment to this Transaction Document.

8.2  SCOPE OF PROJECT OFFICE

     8.2.1. The Project Office is a staff of an IBM team responsible for the
            management of the relationship created by the execution of this
            Transaction Document. The IBM Project Office shall manage the
            services sufficient to support the Baseline Resources for Mainframe
            Services and management of the delivery of the Services required
            hereunder.

     8.2.2  In the event that there may be a requirement for additional project
            or ongoing support, IBM will provide a cost for the service through
            the standard work order process (RFS Process) documented in Schedule
            N.

                                                                   Page 11 of 17

<PAGE>

9.0  THIRD PARTY AGREEMENTS

9.1  INTRODUCTION

     The Annual Service Charges include the charges for the Third Party Software
     Licenses for which IBM is financially responsible, and maintenance for
     those software products listed in Schedule B and Schedule F as of the
     Effective Date. This includes all software license upgrade charges and
     maintenance increase charges for the Baseline MIPS levels as reflected in
     the Supplement which include the ARC Deadband. The software licenses
     themselves are licensed to Certegy but maintenance and license upgrade
     charges are paid for by IBM as Certegy's paying agent. The ARC charges also
     include any associated license upgrade and maintenance fees for those
     products listed in Schedule B and F as of the Effective Date, or as added
     or deleted as mutually agreed, should Certegy's MIPS usage exceed the MIPS
     Baseline and the ARC Deadband.

9.2. VARIATIONS

     9.2.1. Should there be a change to Third Party Agreements requested by
            Certegy, both Parties will agree to review the changes and charges
            associated with the Third-Party Agreements presented in this
            Schedule and determine a course of action. Upon mutual agreement of
            a course of action, the Parties will amend, if necessary, the
            Transaction Document accordingly.

     9.2.2. Additions, deletions or replacements of Third Party Software to
            Section B-2 of Schedule B and Schedule F shall be accomplished by
            the initiation of a Project Plan. The Project Plan shall include but
            not limited to such information as, in the case of new software, the
            Licensing party, the financial responsibilities (i.e. who is
            financially responsible for the initial license, the maintenance,
            the upgrades, transfer fees), procuring party and if applicable, how
            the License and attendant maintenance would transition to Certegy at
            expiration or termination of the Transaction Document, if at all.
            The Project Plan shall be in accordance with Section 3.11 for
            additions, deletions or substitutions.

     9.2.3  Upon request of either Party, the Parties will review the Systems
            Software Certegy licensing arrangements and product usage. The
            Parties will cooperate to add, change or modify Schedule B and the
            Supplement as agreed to improve price, efficiency and functionality.
            A Project Plan shall be initiated to address the addition, change or
            modification.

     9.2.4  During the Transition Period, but not later than sixty days prior to
            the Commencement Date, the Parties shall adhere to the following to
            reconcile any prepaid software for the Software listed in Schedule
            B-2 that is, the pro rated amount on an annual basis for any
            Software listed in Schedule B-2 that has been prepaid and which
            prepayment shall extend past the Commencement Date (the "Prepaid
            Software"). IBM will credit to Certegy the amount prepaid which such
            amount shall not exceed IBM's prorated cost model for such prepaid
            software products for the months prepaid beyond the Commencement
            Date. The Parties shall:

            1.   Certegy shall furnish to IBM a spreadsheet that lists the
                 Prepaid Software products that have been prepaid past the
                 Commencement Date. The detail shall include the product, the
                 amount prepaid, the period (including start and end date) for
                 which the product was prepaid (annual, semi-annual, quarter
                 etc.).

                                                                   Page 12 of 17
<PAGE>

          2.   The Parties shall review the spreadsheet and upon mutual
               agreement that the products, the amounts and time periods
               are correct, then

          3.   IBM will credit, to Certegy beginning in September 2003
               one quarter (1/4) of the aggregate pro rated amount of
               the Prepaid Software, on a monthly basis (September
               through December 2003). For Prepaid Software that extends
               into or past 2004, IBM shall credit to Certegy beginning
               in January 2004 one twelfth (1/12) of the aggregate
               prorated amount of the Prepaid Software until Certegy
               receives the amount of the Prepaid Software as agreed in
               2 above. Thereafter, no credits will be due Certegy.

10.0 FINANCIAL RESPONSIBILITIES MATRIX

The Financial Responsibilities Matrix attached as Exhibit J-1 further
defines the financial responsibilities of Certegy and IBM.

                                                                   Page 13 of 17

<PAGE>

                               Exhibit J-1

                   FINANCIAL RESPONSIBILITIES MATRIX

                    FINANCIAL RESPONSIBILITIES MATRIX

<TABLE>
<CAPTION>
                                                                                                            RESPONSIBILITY
                                                                                                            --------------
                                                DESCRIPTION                                                  IBM   CERTEGY
                                                -----------                                                 ----   -------
<S>                                                                                                         <C>    <C>
Annual Services Charge                                                                                                X
Transition Charge                                                                                                     X
Additional Resource Charges (subject to Baselines and ARC Rates and ARC and RRC Deadband)                             X
Economic Change Adjustment                                                                                            X
Taxes
- Personal property and use
   - Certegy equipment (owned, leased, rented by Certegy)                                                             X
   - IBM equipment (owned, leased, rented by IBM)                                                            X
   - Applications Software                                                                                            X
   - Systems Software
      - Applicable to periods prior to the Commencement Date                                                          X
      - Applicable to periods on or after the Commencement Date                                              X
   - Standard Products (as defined in Procedures Manual)                                                              X
- Excise taxes on telecommunications lines and circuits                                                               X
- Real estate taxes
   - IBM owned and leased property                                                                           X
   - Certegy owned and leased property                                                                                X
- Future taxes on the provision of Services and a New Service (for example, sales, use, excise, services)             X
Termination Charge                                                                                                    X
Applications Software
- Purchases                                                                                                           X
- Licenses                                                                                                            X
- Operations                                                                                                 X
- Additions                                                                                                           X
- Upgrades                                                                                                            X
- Replacements                                                                                                        X
- AD/M Services                                                                                                       X
- End User support (Level 0, Level 1)                                                                                 X
- End User support (Level 2, Level 3)                                                                                 X
Systems Software-Certegy
- Purchases (is responsibility of Certegy, but will be procured by the party who receives the best price)             X
- Replacements (in accord with Schedule B)                                                                            X
Systems Software-IBM
</TABLE>

                                                                   Page 14 of 17

<PAGE>

                    FINANCIAL RESPONSIBILITIES MATRIX

<TABLE>
<CAPTION>
                                                                                                            RESPONSIBILITY
                                                                                                            --------------
                                                DESCRIPTION                                                  IBM   CERTEGY
                                                -----------                                                 ----   -------
<S>                                                                                                         <C>    <C>
- Purchases (Certegy is responsible for new products requested by Certegy)                                            X
- Replacements (in accord with Schedule B)                                                                            X
Certegy Machines
- Purchases                                                                                                           X
- Leases
   - Applicable to periods prior to the Commencement Date                                                             X
   - Applicable to periods on or after the Commencement Date                                                          X
- Operations (as defined in Schedules I-Network)                                                              X
- Maintenance (excluding 4745's and 9032's)                                                                           X
- Maintenance (4745's and 9032's)                                                                             X
- Additions                                                                                                           X
- Upgrades                                                                                                            X
- Replacements                                                                                                        X
- Install, Move, Add, Change (excluding 4745's and 9032's)                                                            X
IBM Machines
- Purchases                                                                                                   X
- Leases                                                                                                      X
- Operations                                                                                                  X
- Maintenance                                                                                                 X
- Additions                                                                                                   X
- Upgrades                                                                                                    X
- Replacements                                                                                                X
- Install, Move, Add, Change                                                                                  X
- Data Center Machine supplies                                                                                X
Print
- Printed forms and printer paper                                                                                     X
- Distribution costs (to agreed drop locations within the Facility)                                           X
- Distribution costs (beyond agreed drop locations within the Facility)                                               X
- Filing/storage - applications output                                                                                X
- Filing/storage - systems output                                                                                     X
Supported Desktops/Laptops (hardware Standard Products)
- Purchases                                                                                                           X
- Leases                                                                                                              X
- Maintenance                                                                                                         X
   - Warranty (equivalent of three-year on-site parts and labor)                                                      X
   - All out of Warranty Hardware maintenance                                                                         X
   - Parts {not covered under warranty or maintenance agreement)                                                      X
- Additions                                                                                                           X
- Upgrades                                                                                                            X
- Replacements                                                                                                        X
- Install, Move, Add, Change                                                                                  X
</TABLE>

                                                            Page 15 of 17

<PAGE>

                    FINANCIAL RESPONSIBILITIES MATRIX

<TABLE>
<CAPTION>
                                                                                                            RESPONSIBILITY
                                                                                                            --------------
                                                DESCRIPTION                                                  IBM   CERTEGY
                                                -----------                                                 ----   -------
<S>                                                                                                         <C>    <C>
Supported Desktops/Laptops (software Standard Products)
- Purchases                                                                                                           X
- Licenses                                                                                                            X
- Development                                                                                                         X
- Maintenance                                                                                                         X
- Additions                                                                                                           X
- Upgrades                                                                                                            X
- Replacements                                                                                                        X
- Training                                                                                                            X
- Install, Move, Add, Change                                                                                  X
- Level 0, Level 1, Level 2 support                                                                           X
- Level 3 support (deskside support Services)                                                                 X
- Level 4                                                                                                             X
Disaster Recovery
Data Center Services
- Up to Configuration (as specified in Schedule G Disaster Recovery                                           X
- Above Configuration                                                                                                 X
- End User recovery (including connectivity and support)                                                              X
- Network recovery (including connectivity and support)                                                               X
- Disaster declaration fees Will reflect in J above                                                                   X
- Recovery Center usage fees Will reflect in J above                                                                  X
- Off-site data storage and transportation costs                                                              X
Miscellaneous charges
- Required Consents
   - Administration                                                                                                   X
   - Associated charges/fees (excluding charges/fees related to IBM's rights to access/operate Systems
      Software as specified in Schedule F (Software))                                                                 X
   - Charges/fees related to IBM's rights to access/operate Systems Software (as specified in Schedule B
      and F (Software))                                                                                               X
- Services performed outside the Service Hours                                                                        X
- Travel and living expenses as mutually agreed                                                                       X
- On-site support Services for Nonstandard Products                                                                   X
- End User training (including, for example, course fees, materials, travel and living expenses) if
   required and agreed by Certegy                                                                                     X
- Costs associated with government regulatory compliance
   - IBM regulatory compliance                                                                                X
   - Certegy regulatory compliance                                                                                    X
- Costs associated with Certegy equipment and software storage, disposal, and discontinuance                          X
- Costs associated with transportation of Certegy equipment, software, and other materials                            X
- Services Transfer Assistance                                                                                        X
</TABLE>

                                                            Page 16 of 17

<PAGE>

                    FINANCIAL RESPONSIBILITIES MATRIX

<TABLE>
<CAPTION>
                                                                                                            RESPONSIBILITY
                                                                                                            --------------
                                                DESCRIPTION                                                  IBM   CERTEGY
                                                -----------                                                 ----   -------
<S>                                                                                                         <C>    <C>
- Other Contracts (that are Contracts in Schedule F that are not Software related)
   - Applicable to periods prior to the Commencement Date                                                             X
   - Applicable to periods on or after the Commencement Date                                                          X
- IBM locations (for example, occupancy, maintenance, security)                                               X
- Certegy locations (for example, occupancy, maintenance, security)                                                   X
- Office equipment (for example, workstations, furniture, telephones, FAX) - IBM locations                    X
- Office equipment (for example, workstations, furniture, telephones, FAX, copiers) - Certegy locations
   for Certegy staff                                                                                                  X
- Office equipment (for example, floor space, furniture, telephones, FAX, copiers) - Certegy locations
   for IBM staff                                                                                                      X
- Mail room, messenger, courier (IBM internal)                                                                X
- Mail room, messenger, courier (Certegy internal)                                                                    X
- End User consumable items (for example, paper, toner, printer cartridges, diskettes, compact disks,
   tapes, batteries and other such consumable items that comply with original equipment manufacturers'
   specifications)                                                                                                    X
- IBM personnel located on Certegy premise office supplies                                                    X
- All Certegy site power connection costs including power outlet and PDU costs                                        X
- All Certegy site environmental costs including HVAC and network cabling costs                                       X
- Certegy personnel office supplies                                                                                   X
</TABLE>

Although particular items, which are not within the Services of this
Transaction Document may be identified in the Financial Responsibilities
Matrix above, there is no intent to imply that items that are not
identified are within the Services. Certegy's and IBM's financial
responsibilities are defined fully in the Schedules to this Transaction
Document.

                                                                   Page 17 of 17
<PAGE>

                                  SCHEDULE K OF
                           TRANSACTION DOCUMENT #03-01
                                 (UNITED STATES)
                                 MAINFRAME TOWER
    APPLICATIONS INSTALLATION STANDARDS (OPERATING ENVIRONMENT IT STANDARDS)

1.0  INTRODUCTION

     1.1.1 This Schedule K defines the mutually agreed to operating environment
          standards as of the Commencement Date (hardware and Software) which
          IBM will support during the term of this Transaction Document. IBM
          shall develop the operating environment standards during the 180 day
          Transition Period for Certegy's review. The parties shall agree to the
          initial operating environment standards prior to the Commencement Date
          of Services.

     1.1.2 IBM and Certegy agree to review and define the Application
          Installation standards for this tower through the term of the
          agreement.

     1.1.3 IBM will ensure that the Procedures Manual is updated to record the
          agreed Application Standards for this tower through the Term of the
          Agreement.

     1.1.4 Should there be agreement to a change in standards that would
          represent a significant impact to the costs that would incurred by
          IBM, an adjustment of service fees may be required.

     1.1.5 Both parties undertake to follow the agreed standards as possible
          through commercially reasonable steps.

     1.1.6 These standards represent an agreed target for the Services and
          Applications and are not to be seen to be subject to Minimum Service
          Level.

2.0  OPERATING ENVIRONMENT

The column on the left identifies the operating environment as of the
Commencement Date of this Agreement.

<TABLE>
<CAPTION>

                     ZOS
------------------------------------------------
  OPERATING ENVIRONMENT            CURRENT
-------------------------   --------------------
<S>                         <C>
Operating System            ZOS
Job Entry System            JES2
Security                    ACF2
Transaction Processing      CICS
Storage Management          SMS
Problem/Change Management   ESM
Performance Management      Performance Reporter
                            and RMF
Analysis/Reporting          SAS
</TABLE>

Schedule K                 March 14, 2003
CERTEGY/IBM CONFIDENTIAL

                                                                     Page 1 of 2

<PAGE>

<TABLE>
<CAPTION>
                  ZOS
------------------------------------------
     OPERATING ENVIRONMENT        CURRENT
------------------------------   ---------
<S>                              <C>
REMOTE OPERATIONS
- On-line Viewing and Bundling   CA-View
Scheduling                       CA7
Tape Management                  CA1
OUTPUT PROCESSING
- Compiler                       COBOL
- Interactive Development        TSO, ISPF
</TABLE>

HARDWARE: Mainframe systems and peripheral devices will be compatible with the
IBM System/ZOS architecture.

                                                                     Page 2 of 2

<PAGE>

                                  SCHEDULE L OF
                          TRANSACTION DOCUMENT #03-01
                                 (UNITED STATES)
                                 MAINFRAME TOWER

          SECURITY PROCEDURES AND RESPONSIBILITIES - DATA AND PHYSICAL

1.   SECURITY MANAGEMENT

1.1  Certegy and IBM will each provide a focal point with responsibility for
     security management.

1.2  This Schedule L defines the mutually agreed processes for the Security
     Procedures and Responsibilities which IBM and Certegy will comply with
     during the term of this Transaction Document.

1.3  During the Transition Period, with Certegy's assistance and approval, IBM
     will develop a detailed document that will define the mutually agreed
     security controls that IBM will implement for this Transaction Document
     (the Information Security Controls document) within the Procedure Manual.

1.4  IBM and Certegy will jointly agree on the Security and access control
     procedures for the security and /third party interface hardware supplied by
     Certegy and operated at IBM or Certegy facilities where IBM has
     responsibility for such hardware. The specific detail procedures will be
     developed and included in the Procedures Manual and subject to audit.

1.5  IBM and Certegy agree to review and define Security Procedures and
     Responsibilities for this tower through the term of this Transaction
     Document.

1.6  IBM will ensure that the Procedures Manual is updated to record the agreed
     Security Procedures for this tower through the term of this Transaction
     Document.

1.7  Should there be agreement to a change in security procedures and
     responsibilities that would represent a significant impact to the costs
     that would be incurred by IBM, an adjustment of service fees may be
     required.

1.8  Both parties undertake to follow the agreed Security Procedures and
     Responsibilities.

1.9  Certegy will communicate the security procedures to Authorised Users (e.g.,
     login procedures, password requirements, data and equipment security
     procedures).

1.10 Certegy will notify IBM of changes to Certegy plans to make to its security
     policies and standards before implementation.

Schedule L                 March 14, 2003
CERTEGY/IBM CONFIDENTIAL

                                                                    Page 1 of 10

<PAGE>

2.   IBM RESPONSIBILITIES FOR PHYSICAL SECURITY

IBM WILL be responsible for the following:

2.1  during the Transition Period with Certegy's cooperation, IBM will perform a
     baseline inventory of removable storage media (e.g., tapes, disks) for
     which IBM has security responsibility;

2.2  be responsible for notifying Certegy for the authorization of access
     control for IBM staff for all badge reading devices in Certegy facilities;

2.3  conduct periodic reviews of the data processing areas for which IBM has
     security responsibility for unusual occurrences and perform follow-up
     activities in accordance with the procedures specified in the information
     security controls document within the Procedures Manual;

2.4  implement controls which protect printed output from unauthorized access
     while under IBM's control;

2.5  provide secure storage for removable storage media under IBM's control at
     IBM data center sites;

2.6  provide physical security controls at the IBM Data Center sites which
     include but is not limited to: providing badge distribution to IBM staff
     performing the Services and alarm monitoring and response;

2.7  restrict access to data processing areas, whether at IBM or Certegy
     facilities, for which IBM has security responsibility, to authorized
     personnel only;

2.8  protect all network services infrastructure components on IBM's premises
     from unauthorized access. This includes routers, firewalls, CSU/DSU's,
     diagnostic equipment, FEP's, etc;

2.9  perform an annual audit and reconciliation of the tapes under IBM's control
     and promptly notify the appropriate Certegy and IBM personnel if
     discrepancies are discovered;

2.10 resolve discrepancies discovered during the annual tape audit and inform
     Certegy of the resolution;

2.11 implement controls for and provide effective elimination of residual
     information on removable storage media before disposal or reuse outside of
     Certegy; and

2.12 provide security implementation and administration on all remote network
     equipment installed by IBM at Authorised User locations to perform the
     Services (includes routers, CSU/DSU's, firewalls, diagnostic modems, etc.).

                                                                    Page 2 of 10

<PAGE>

3.   IBM RESPONSIBILITIES FOR LOGICAL SECURITY

IBM will be responsible for the following:

3.1  advise Certegy of the latest concepts and techniques associated with system
     and data access control;

3.2  during the Transition Period with Certegy's assistance, will perform a
     baseline inventory of access IDs for the systems for which IBM has security
     responsibility;

3.3  reset logon ID passwords for Certegy, Certegy Authorized Users, and IBM
     personnel and disclose such passwords to authorized personnel;

3.4  provide annually to Certegy for review (eg., re-verification) a list of
     existing non-IBM system logon Ids;

3.5  review and verify quarterly the system logon Ids for IBM personnel (i.e.,
     re-verification) and delete the Ids of those individuals who no longer have
     a business need and/or are no longer authorized by management to access the
     system;

3.6  based on information provided by Certegy, delete the system logon IDs of
     those individuals who no longer have a business need and/or are no longer
     authorized by Certegy or Certegy's Authorized Users to access the system;

3.7  authorize System access to IBM employees, IBM sponsored vendors and
     contractors and with proper Certegy approval Certegy's Authorized Users
     only to the extent necessary to perform activities required by the Master
     Agreement, this Transaction Document and its Schedules;

3.8  perform system and data security tasks as agreed and documented in the
     Procedures Manual;

3.9  authorize requests, dependent on proper registration to appropriate IBM
     personnel, read, write, create, and scratch access to system resources,
     such as systems commands, restricted utilities operating system files, IBM
     libraries, and IBM applications;

3.10 install, maintain and upgrade new or existing data access control software
     as deemed necessary by IBM to provide the Services;

3.11 implement the functions and features of the access control software that
     will satisfy Certegy's security practices as defined in the Information
     Security controls section of the Procedures Manual;

3.12 implement the protection requirements for operating system resources via
     the access control software with all changes being scheduled and performed
     in accordance with the change management process;

3.13 capture and maintain audit records for a mutually agreed retention period,
     and provide record retention reports to the Certegy Project Executive upon
     reasonable request;

3.14 promptly inform Certegy of any security incident as IBM becomes aware and
     recommend possible remedial action;

                                                                    Page 3 of 10
<PAGE>

3.15 schedule and notify Certegy through the change management process of
     security or integrity software fixes that must be applied to the systems
     for which IBM has security responsibility;

3.16 provide and support encryption products (i.e., hardware and/or software) as
     defined in the Procedures Manual under the Information Security Controls
     section;

3.17 establish, change, deactivate and remove System logon IDs and associated
     System access authorities of Certegy staff and Certegy's Authorized User
     IDs as authorised by Certegy;

3.18 control and be responsible for the security officer/security administrator
     user profiles on those systems for which IBM has security responsibility;

3.19 ensure safeguards are designed to deter intentional or accidental security
     violations in accordance with the Information Security Controls section
     within the Procedures Manual;

3.20 ensure Authorized Users have unique identifiers to the extent necessary to
     comply with Certegy's Security policies;

3.21 conduct periodic security health checks to validate access control
     settings, authorized privileged users, operating system resource
     protection, and installation and operation of virus control programs on the
     applicable platforms;

3.22 in cooperation with Certegy, review the Certegy's security policies and
     procedures for effectiveness and recommend improvements;

3.23 be responsible for maintaining the agreed data security procedures for
     Systems Software and access to Certegy mainframe production application
     systems (on-line and batch), development systems and libraries;

3.24 be responsible for Certegy's ACF2 administration responsibility to grant
     read, write, create, and delete access to Certegy's business application
     files and libraries (i.e., on-line ACF2 updates) and to grant user access
     to CICS transactions defined as belonging to Certegy business applications
     (i.e., on-line ACF2 updates), dependent on proper registration whether it
     be TSO, Batch or CICS Facility; and

3.25 ensure that access granted to MVS operating system or APF libraries is
     granted on a job need basis only and that any maintenance or update work
     applicable to these libraries is properly reviewed and authorized in
     accordance with established change control processes.

4. CERTEGY RESPONSIBILITIES FOR PHYSICAL SECURITY

Certegy will be responsible for the following:

4.1  the authorization of access control for all badge reading devices in
     Certegy data center sites;

4.2  conducting periodic reviews of the data processing areas for which Certegy
     has security responsibility for unusual occurrences and perform follow-up
     activities in accordance with the procedures specified in the information
     security controls document within the Procedures Manual;

                                                                    Page 4 of 10

<PAGE>

4.3  during the Transition Period, assist IBM in performing a baseline inventory
     of removable storage media for which IBM has security responsibility;

4.4  providing secure storage for removable storage media at Certegy's data
     center sites;

4.5  providing physical security controls at the Certegy Data Center sites which
     include but is not limited to; providing badge distribution and alarm
     monitoring and response;

4.6  restricting access to data processing areas, at Certegy facilities, for
     which Certegy has security responsibility, to authorized personnel only;
     and

4.7  protecting all network services infrastructure components on Certegy's
     premises from unauthorized access. This includes routers, firewalls,
     CSU/DSLTs, diagnostic equipment, FEP's, etc.

5. CERTEGY RESPONSIBILITIES FOR LOGICAL SECURITY

Certegy will be responsible for the following areas of logical security:

5.1  during the Transition Period, assisting IBM in performing a baseline
     inventory of access IDs for the systems for which IBM has security
     responsibility;

5.2  annual review and verification of system logon IDs for Certegy personnel
     (i.e., re-verification) and notifying IBM to delete the IDs of those
     individuals who no longer have a business need and/or are no longer
     authorized by management to access the system;

5.3  defining and providing Certegy's data classification and control criteria,
     data protection and handling requirements, and data encryption requirements
     to IBM;

5.4  administration of all Application Software security;

5.5  promptly acknowledge receipt of security exposures notified to Certegy by
     IBM and inform IBM of Certegy's acceptance or rejection of IBM's
     recommended remedial action or other remedial action Certegy implements. In
     the event that Certegy chooses not to implement in accordance with the
     mutually accepted recommendations and it causes an impact to the Services
     provided by IBM as determined by root cause analysis, IBM shall be relieved
     of their responsibilities that they are prevented from performing by such
     act;

5.6  define the protection requirements for application and End User resources
     via the access control software ACF2;

5.7  maintain security for and distribution of encryption keys;

5.8  establish the process criteria for resetting passwords and disclosing such
     passwords to authorized personnel; and

5.9  Certegy will provide fully authorised security requests to IBM.

6. SECURITY RESPONSIBILITY MATRIX

6.1  The Security Responsibilities Matrix attached hereto as Exhibit L-1 further
     defines the security responsibilities of the Parties.

                                                                    Page 5 of 10

<PAGE>

                                   EXHIBIT L-1

                        SECURITY RESPONSIBILITIES MATRIX

R = Identify Requirements
A = Assist
X = Perform
P = Primary
S = Secondary

<TABLE>
<CAPTION>
SECURITY MANAGEMENT                                                             IBM   CERTEGY
-------------------                                                             ---   -------
<S>                                                                             <C>   <C>
1.  Provide an interface for day-to-day security management.                     X       X
2.  Develop, document and implement an information security controls document    X       A
    as part of the Procedures Manual.
3.  Provide IBM with Certegy's security policies, including updates as they              X
    occur
4.  Review security policies for effectiveness and recommend improvements.       P       S
5.  Review amendments made to Certegy's security policies and standards and      X
    advise Certegy whether any proposed changes can be implemented within
    existing Baselines and/or Annual Services Charge.
6.  Create and maintain the Security section of the Procedures Manual            X       A
7.  Communicate the security procedures to Certegy's Authorized Users that               X
    are affected by this service, such as login procedures, password use, use
    of anti-virus programs and security for data and equipment.
8.  Work to develop detailed information security controls document as part      X       A
    of the Procedures Manual
9.  Maintain and update the information security controls document when          X       A
    necessary.
10. Develop, document and implement and maintain security controls for those     S       P
    subsystems and applications that do not use the access control software
    for their security.
</TABLE>

                                                                    Page 6 of 10

<PAGE>

<TABLE>
<CAPTION>
PHYSICAL SECURITY                                                               IBM   CERTEGY
-----------------                                                               ---   -------
<S>                                                                             <C>   <C>
1.  Provide physical security controls at Certegy facilities.                            X
2.  Provide physical security controls at IBM facilities.                        X
3.  Restrict access to all data processing areas at IBM facilities to            X
    authorized personnel only.
4.  Restrict access to all data processing areas at Certegy facilities to                X
    authorized personnel only.
5.  Conduct periodic reviews of the data processing areas at Certegy's                   X
    facilities for unusual occurrences and perform follow-up activities.
6.  Conduct periodic reviews of the data processing areas at IBM facilities      X
    for unusual occurrences and perform follow-up activities.
7.  Each party shall protect LAN Servers, routers, firewalls and                 X       X
    infrastructure devices that they are responsible for at Certegy
    facilities.
8.  Protect LAN Servers, routers, firewalls and infrastructure devices at IBM    X
    facilities.
9.  Protect LAN Servers, routers, firewalls and infrastructure devices at                X
    Certegy facilities.
10. Implement controls which protect printed output from unauthorized access     X
    while under IBM's control.
11. Provide secure storage for portable storage media including, but not         X
    limited to, tapes and disk packs under IBM's control at IBM facilities.
12. Provide secure storage for portable storage media including, but not                 X
    limited to, tapes and disk packs at Certegy's facilities.
13. During the Transition Period, with the assistance of Certegy, perform a      P       S
    baseline inventory of all portable storage media (e.g. tapes).
14. Perform an annual tape audit/reconciliation/resolution and promptly          X
    notify Certegy and IBM management when errors are detected.
15. Implement controls and provide effective disposal of residual information    X
    on portable storage media before disposal.
</TABLE>

                                                                    Page 7 of 10

<PAGE>

<TABLE>
<CAPTION>
LOGICAL ACCESS CONTROL                                                          IBM   CERTEGY
----------------------                                                          ---   -------
<S>                                                                             <C>   <C>
1.  Identify the Certegy data classification/control criteria.                           X
2.  Install, maintain and upgrade new or existing data access control            X
    software when applicable.
3.  Implement the functions and features of the access control software which    X
    will satisfy Certegy's security practices as defined in the information
    security controls document in the Procedures Manual.
4.  Implement the security system values and features of the supported           X
    operating systems which will satisfy Certegy's security practices as
    defined in the information security controls document in the Procedures
    Manual.
5.  Identify the protection requirements for operating system resources.         X
6.  Implement the protection requirements for operating system resources via     X
    the access control software, with all changes being scheduled through the
    Change Control Process.
7.  Identify the protection requirements for Certegy's application                       X
    resources.
8.  Implement the protection requirements for Certegy's application              X
    resources via the access control software,
9.  Implement and maintain security controls for those subsystems and                    X
    applications which do not use the access control software for their
    security (excludes DBMS security).
10. Identify the protection requirements for Certegy's Authorized User data.             X
11. Implement the protection requirements for Certegy's Authorized User data             X
    via the access control software.
12. Schedule and notify Certegy through a change control process of              X
    security/integrity fixes that must be applied to the in-scope systems as
    they become available.
13. Identify data encryption requirements.                                               X
14. Provide and support network encryption products as defined in the            X
    "Information Security Controls" document.
15. Maintain and distribute encryption keys.                                             X
16. During the Transition Period assist IBM in performing a baseline                     X
    inventory of all access ID's to the Certegy systems to be supported as
    part of this contract.
</TABLE>

                                                                    Page 8 of 10

<PAGE>

<TABLE>
<S>                                                                             <C>   <C>
17. Provide IBM with fully approved and authorised security requests.                    X
18. Establish, change, deactivate and remove logon IDs and associated access     X
    authorities for Certegy employees and Certegy Authorized Users as
    authorised by Certegy.
19. Establish, change, deactivate and remove logon IDs and associated access     X
    authorities for IBM employees as authorised by Certegy.
20. Quarterly perform a continued business need (re-verification) review of      S       P
    all Certegy logon ID's accessing the systems, removing those which are
    identified as no longer authorized by management.
21. Quarterly perform a continued business need (re-verification) review of      X
    all IBM logon ID's supporting the service, removing those which are no
    longer authorized by management.
22. Establish the process criteria for resetting user's passwords and                    X
    disclosing them to authorized personnel.
23. Reset IBM logon ID passwords and disclose passwords to authorized            X
    personnel.
24. Reset Certegy and Certegy's Authorized User logon Ids, passwords and         X
    disclose passwords to authorized personnel.
25. Review, approve and grant requests for privileged user authorities.          X
26. Review privileged user authorities quarterly and remove those for which      X
    management authorization no longer exists.
27. Control and be responsible for the Security Officer/Administrator user       X
    profiles on all systems, when applicable and in the scope of this
    agreement.
28. Periodically perform system security health checks.                          X       A
30. Capture audit records, retain for an agreed period of time, and supply       X
    reports to the Certegy Project Executive upon reasonable request.
31. Promptly inform Certegy of any security issues of which IBM is aware and     X
    suggest possible remedial action.
32. Promptly acknowledge receipt of security exposures identified by IBM and             X
    inform IBM of Certegy's acceptance or rejection of the suggested remedial
    action.
33. Take corrective action as appropriate to remedy security violations IBM              X
    has reported.
33. Quarterly, review access granted to MVS and APF libraries for IBM            X
    support staff in accordance with the information security controls
    document within the Procedures Manual
</TABLE>

                                                                    Page 9 of 10

<PAGE>

<TABLE>
<CAPTION>
DATA NETWORK                                                                    IBM   CERTEGY
------------                                                                    ---   -------
<S>                                                                             <C>   <C>
1. Manage and maintain security of all firewall/gateway devices that may                 X
   connect the IBM front end processors to the Certegy network for the
   provision of the service.
2. Manage and maintain security of all firewall/gateway devices that may         X
   connect the IBM front end processors to the IBM network for the provision
   of the service.
</TABLE>

                                                                   Page 10 of 10
<PAGE>

                                  SCHEDULE M OF
                           TRANSACTION DOCUMENT #03-01
                                 (UNITED STATES)
                                 MAINFRAME TOWER
                          HELP DESK SERVICES PROCEDURES

1.0 INTRODUCTION:

IBM will staff a function to act as the contact point, via a toll free telephone
number, for Certegy End Users including some external Certegy customers, who
require assistance in the resolution of problems, concerns, and questions and to
request Services (the "Help Desk" or "Customer Service Center" ("CSC")). Calls
into the Help Desk will be answered by a single point of contact (SPOC) in
English. If a problem cannot be resolved by telephone, IBM will handle the
problem via the escalation procedures set forth in the Procedures Manual.

IBM will provide the Help Desk Services from a remote, fully functional IBM Help
Desk utilizing metaframe server technology (firewall). IBM will access Certegy's
network in order to perform Level 1 problem determination and ID support for the
End User population. This is accomplished by connectivity to the Certegy
network.

IBM will coordinate knowledge transfer by shadowing current Certegy Help Desk
staff to gather knowledge on supported applications, Help Desk processes &
procedures, special support requirements, and other pertinent support
information during the Transition Period. Certegy and IBM will work together
during the Transition Period to effect a transparent transition to the End User.

2.0 DEFINITIONS

LEVEL 1 - means, with respect to Help Desk support responsibilities: 1)
answering the incoming call; 2) recording all calls; 3) gathering the End User
information; 4) obtaining resource status; 5) accessing on-line information; 6)
responding to End User requests for information; 7) handling routine product
usage problems; 8) transferring calls to the appropriate support group; 9)
dispatching on-site assistance; 10) opening the call record; 11) informing the
End User of the status of a call; 12) calling the End User for further
information; and 13) closing the call record.

LEVEL 2 - means, with respect to Help Desk support responsibilities: 1) closing
problem calls not closed by Level 1, exclusive of product defects; 2)
documenting all actions in the call record; 3) calling the End User for further
information; 4) performing root cause analysis, as required; 5) working with
vendors (as appropriate) to resolve problems; 6) making recommendations for
process and tool improvements; 7) contacting other support groups and
organizations, as required; 8) dispatching on-site assistance, if needed; 9)
interfacing with other systems, networks and operating system environments
personnel; and 10) routing calls to other levels of support, as required.

Schedule M                 March 14, 2003
CERTEGY/IBM CONFIDENTIAL

                                                                     Page 1 of 5

<PAGE>

LEVEL 3 - means, with respect to Help Desk support responsibilities: 1) the
on-site diagnosis and repair required to close the problem; 2) documenting all
actions in the call record; 3) performing root cause analysis, as required; 4)
working with vendors (as appropriate) to attempt to resolve problems; 5) making
recommendations for process and tool improvements; and 6) contacting other
support groups or organizations, as required.

3.0 GENERAL HELP DESK SERVICES:

IBM Responsibilities

     IBM will:

     1.   provide, program and maintain the automatic call distribution
          equipment IBM requires to provide the Services at the IBM Help Desk.
          Certegy will forward Help Desk Calls to the IBM Help Desk through
          Certegy's PBX options/switch via an IBM provided 800 number;

     2.   receive, log and dispatch or transfer Calls, as appropriate;

     3.   open a Call record to document Calls. A Call record may include
          information such as End User information, Call record number, date and
          time opened, service requested, problem description or symptoms, Call
          assignment (for example, Level 2, Level 3), Call status, and Call
          resolution and closure information;

     4.   provide scripted Level 1 support for Certegy's Applications for which
          Certegy or its third party IBM provides scripts and training;

     5.   prioritize Calls in accordance with the Severity Codes;

     6.   perform problem analysis, including identification of the source of
          the problem;

     7.   provide Call status as the End User requests;

     8.   dispatch or arrange for on-site support, if required, for problem
          determination and/or resolution;

     9.   notify the Certegy Service Location contact of Hardware or Software
          systems failures according to the Operations Procedures Manual;

     10.  provide a systems status recording for in-scope systems with status
          information such as known major incidents and estimated recovery
          times;

     11.  interface with and coordinate problem determination and resolution
          with the Certegy Service Location contact and/or Third Party service
          providers;

     12.  monitor problem status to facilitate problem closure within defined
          Service Level criteria or escalate in accordance with the escalation
          procedures the Operations Procedures Manual defines;

     13.  provide input to Certegy on End User training requirements based on
          problem Call tracking and analysis;

                                                                     Page 2 of 5

<PAGE>

     14.  with Certegy's assistance, establish and maintain Call prioritization
          guidelines and escalation procedures;

     15.  develop Help Desk operational processes and procedures and provide to
          Certegy for distribution;

     16.  maintain a contact list of IBM focal points, including names and
          telephone, pager and fax numbers, and provide to Certegy for
          distribution;

     17.  provide a standard monthly report to Certegy summarizing the Calls (by
          status code) received and handled by the Help Desk for the prior
          month;

     18.  using the information contained in the standard monthly reports, IBM
          will provide information to Certegy on Call trends and make
          recommendations (for example, additional End User training
          requirements), where appropriate; and

     19.  provide an interface between its Help Desk application and Certegy's
          Help Desk application (GWI).

Certegy Responsibilities

     Certegy will:

     1.   publish a single toll free telephone number for End Users to contact
          the Help Desk;

     2.   unless otherwise provided in the Agreement or mutually agreed by the
          parties, be responsible for all End User training (hardware and
          software);

     3.   for Certegy -retained systems, provide systems status information to
          the Help Desk and updates as they occur. IBM will maintain such
          information for up to five business days or until Certegy is otherwise
          notified by IBM within the five business days, after which time IBM
          will delete it unless Certegy otherwise notifies IBM;

     4.   maintain and distribute a Certegy contact list, including names and
          telephone, pager and fax numbers, for use by Help Desk staff to
          contact appropriate Certegy personnel for problem determination
          assistance and escalation and ensure such personnel are available as
          required;

     5.   assist IBM in establishing Call prioritization guidelines and
          escalation procedures;

     6.   ensure End Users have a basic level of understanding of the service
          delivery processes and procedures and adhere to the processes and
          procedures for accessing each Service;

     7.   communicate support responsibilities and procedures to the Certegy
          Service Location contact and Third Party service providers (for
          example, providing Call status and resolution to the Help Desk and
          ensure adherence to such procedures);

     8.   assist IBM, as requested and in a time frame commensurate with the
          assigned problem Severity Code and associated Service Level
          commitment, in the resolution of recurring problems which are the
          result of End User error;

     9.   resolve any Certegy Third Party service provider performance problems
          affecting IBM's provision of the Services;

                                                                     Page 3 of 5
<PAGE>

     10.  be responsible for all Certegy Third Party support costs (for example,
          help lines);

     11.  be responsible for the resolution or closure of all Calls related to
          products and services that are not within the Services;

     12.  allow IBM to utilize remote access capability to remotely diagnose
          problems;

     13.  provide Level 2 and 3 support for Certegy applications; and

     14.  provide Level 1 scripts and training for Certegy applications to IBM.

4.0  HELP DESK FOR MAINFRAME RESPONSIBILITIES:

IBM Responsibilities

          IBM will:

     1.   except for the Certegy Applications and Network, provide Level 1
          support for the Hardware and Software;

     2.   redirect Calls requiring Level 2 and Level 3 support to the
          appropriate IBM mainframe support group for problems and questions
          relating to the mainframe;

     3.   report on the status of batch jobs upon request;

     4.   reset passwords and perform logon ID administration in accordance with
          Certegy - provided security guidelines; and

     5.   recycle, start and stop devices.

Certegy Responsibilities

     1.   Certegy will provide the security guidelines, including the system
          access authorization profiles; and

     2.   Certegy will authorize exceptions to the security guidelines.

5.0 HELP DESK FOR DESKTOP SERVICES:

          IBM Responsibilities (Standard Products)

     IBM will:

     1.   log and redirect Calls requiring Level 1, Level 2 and Level 3 support
          for Standard Products to the appropriate IBM deskside support group
          for problems and questions relating to the deskside;

     2.   dispatch IBM service personnel to perform on-site Services (for
          example, deskside support, software maintenance)

          IBM Responsibilities (Non Standard Products)

     IBM will:

     1.   provide Level 1 support based upon IBM's available resources; and

                                                                     Page 4 of 5

<PAGE>

     2.   as appropriate, refer problems or questions to the Certegy Service
          Location contact for resolution.

Certegy Responsibilities

     Certegy will:

          1.   communicate the defined Standard Products and Services to End
               Users;

          2.   ensure that End Users are authorized to request the Services
               including the dispatch of service personnel to provide on-site
               Services; and

          3.   with respect to Nonstandard Products: provide all Level 2, and
               Level 3 support, be responsible for the resolution/closure of any
               problems or questions referred to Certegy by Help Desk staff; and
               provide training to IBM-designated staff and documentation on
               Nonstandard Products, as appropriate.

6.0 HELP DESK FOR NETWORK RESPONSIBILITIES:

IBM Responsibilities

          IBM will:

     1.   log and redirect Calls requiring Level 1, Level 2 and Level 3 support
          to the appropriate Certegy network support group for problems and
          questions relating to the network;

Certegy Responsibilities

          Certegy will:

     1.   Certegy will provide the network call guidelines.

7.0 SERVICE LEVEL APPLICABILITY

The Average Call Time Service Level applies only to Level 1 support.

IBM and Certegy acknowledge that the Help Desk Services being provided by IBM
and set forth in this Schedule: (i) are related solely to information
technology, (ii) are being provided by IBM employees or its Affiliates or
Subcontractors, (iii) are being provided from facilities owned or leased by IBM
or its Affiliates, and (iv) IBM or its Affiliates are providing substantially
all automated call processing and updating all databases associated with such
Services. Any changes to the foregoing conditions (i) through (iv) shall require
a written amendment to this Transaction Document #03-01 executed by IBM and
Certegy and may require additional third party licenses and/or modifications to
the indemnity terms set forth in the Master Agreement and/or this Transaction
Document.

                                                                     Page 5 of 5
<PAGE>

                                  SCHEDULE N OF
                           TRANSACTION DOCUMENT #03-01
                                 (UNITED STATES)
                                 MAINFRAME TOWER
                                    PROJECTS

1.0  INTRODUCTION

     This Schedule N describes the methodology by which projects will be
     performed in conjunction with the Transaction Document and the overall
     Project Management process that will be implemented in order to support
     delivery of such projects. The level at which a project will be managed
     will be determined by the scope of the work and the Deliverables to be
     provided under the project.

2.0  DEFINITIONS

     All capitalized terms used and not defined in this Schedule N shall have
     the same meanings given elsewhere in the Agreement. As used herein:

     A.   "ACCEPTANCE" or "ACCEPTED" means Certegy's concurrence that a
          Deliverable satisfies the Completion Criteria set forth in the Project
          Plan.

     B.   "COMPLETION CRITERIA" means mutually agreed upon written conditions
          that IBM is required to meet in order to satisfy its obligations for
          each project as set forth in the applicable Project Plan.

     C.   "DELIVERABLE" means any item delivered to Certegy under a project
          which is specified in the Project Plan as a Deliverable.

     D.   "CHANGE AUTHORIZATION" has the meaning set forth in Section 6.0
          herein.

     E.   "PROJECT CHANGE REQUEST" OR "PCR" has the meaning set forth in Section
          6.0 herein.

     F.   "PROJECT PLAN" has the meaning set forth in Section 3.0 herein.

     G.   "PROJECT MANAGER" has the meaning set forth in Section 3.0 herein.

3.0  PROJECT MANAGEMENT PROCESS

     IBM's Project Management process is based upon the premise that the IBM
     Account Manager will have overall responsibility and accountability to meet
     all agreed upon quality, cost, schedule and technical objectives of the
     project. In addition, each Party will assign an individual to each project
     to act as its respective representative with responsibility for specific
     operational roles as described below and further delineated in the Project
     Plan ("Project Manager"). Based upon the scope of the work and the

Schedule N                       March 14, 2003                      Page 1 of 6
CERTEGY/IBM CONFIDENTIAL

<PAGE>

     Deliverables to be provided under a project, a Project Manager may be
     assigned to oversee multiple Projects.

     Each project whether included as of the Commencement Date or subsequently
     added at the request of Certegy, subject to Section 9.6 of the Master
     Agreement, will have a plan developed (the "Project Plan") and, upon
     approval by both Parties, the Project Plan will be assigned a sequential
     number and will be attached to, and become a part of, this Schedule (e.g.,
     Mainframe Project Plan M-1/Title, Mainframe Project Plan M-2/Title, etc.).
     The terms, and conditions of the Master Agreement and the Transaction
     Document will apply to each project unless otherwise amended by the
     applicable Project Plan.

4.0  PROJECT MANAGERS

A.   IBM Responsibilities

     IBM will assign a Project Manager who will have the authority to act on
     behalf of IBM in all matters pertaining to the project with the exception
     of contractual endorsement. The IBM Project Manager will:

     1.   manage the project for IBM including planning, directing, and
          monitoring all project activities;

     2.   develop the detailed Project Plan in conjunction with the Certegy
          Project Manager;

     3.   maintain files of the Project Plan and any associated documentation;

     4.   establish the project team and, in conjunction with the Certegy
          Project Manager, apprise team members regarding the Project Management
          process and the Project Plan, including individual responsibilities,
          Deliverables, schedules, etc.;

     5.   be the primary point of contact to Certegy for the project to
          establish and maintain communications with the Certegy Project
          Manager;

     6.   define and monitor the support resources required for the project to
          ensure these resources are available as scheduled;

     7.   measure, track and evaluate progress against the Project Plan;

     8.   take ownership and resolve issues that may arise due to deviations
          from the Project Plan with the Certegy Project Manager;

     9.   administer and, in conjunction with the Certegy Project Manager, be
          accountable for project change control;

     10.  plan, schedule and participate in periodic project reviews, as
          applicable, including review of the work products being produced;

     11.  provide periodic written status reports using a tool and format in a
          format to be agreed between the Parties to Certegy that provide
          information such as schedule status, technical progress, issue
          identification and related action plans; and

     12.  establish and maintain the necessary financial controls for those
          areas of the project

                                                                     Page 2 of 6

<PAGE>

          for which IBM has responsibility.

B.   Certegy Responsibilities

     Certegy will assign a Project Manager who will have the authority to act on
     behalf of Certegy in all matters pertaining to the project with the
     exception of contractual endorsement. The Certegy Project Manager will:

     1.   be the single-point-of-contact for the management of Certegy's
          obligations under the project;

     2.   serve as the interface between the project team members and Certegy's
          business functions, units, or Affiliates participating in the project;

     3.   define Certegy's business and technical requirements for each project;

     4.   provide input and assist in developing the detailed Project Plan in
          conjunction with the IBM Project Manager and ensure that the Project
          Plan meets Certegy's business and technical requirements;

     5.   establish the project team and, in conjunction with the IBM Project
          Manager, apprise team members regarding the Project Management process
          and the Project Plan, including individual responsibilities,
          Deliverables, schedules, etc.;

     6.   provide operational guidance to, manage and be accountable for the
          performance of Certegy personnel assigned to the project;

     7.   administer and, in conjunction with the IBM Project Manager, be
          accountable for project change control;

     8.   attend project planning/review/status meetings, as required;

     9.   obtain and provide information, data, decisions and approvals, within
          three days of IBM's request, unless otherwise mutually agreed;

     10.  coordinate and schedule the attendance of Certegy personnel, as
          appropriate, at planning/review/status meetings;

     11.  assist in the resolution of project issues and/or escalate within
          Certegy for resolution as needed;

     12.  establish and maintain the necessary financial controls for those
          areas of the project for which Certegy has responsibility; and

     13.  review and provide written confirmation that the Deliverables meet the
          Completion Criteria set forth in the applicable Project Plan.

                                                                     Page 3 of 6

<PAGE>

C.   Each Party will give the other Party reasonable advance notice, in writing,
     of a change to its respective Project Manager and will discuss any
     objections the other Party may have to such change.

5.0  PROJECT PLAN

     A Project Plan must be completed for each project and should contain the
     following information:

A.   Project Managers

     This section will identify the Parties' respective Project Managers
     including name, address, telephone number, pager number, and fax number.

B.   Purpose and Scope of Work

     This section will provide a summary of the overall purpose of the project
     and define the scope of work to be performed.

C.   Assumptions/Dependencies

     This section will describe any key assumptions, dependencies, or critical
     success factors upon which the project will be based and/or is dependent
     upon for successful completion.

D.   Definitions

     This section will define any terms specific to a project.

E.   IBM Responsibilities

     This section will describe the responsibilities which IBM is required to
     perform in order to complete the project.

F.   Certegy Responsibilities

     This section will describe the responsibilities which Certegy is required
     to perform in order to complete the project.

G.   Required Equipment and Materials

     This section will list all required equipment and materials including, but
     not limited to, hardware and software, which each Party must provide in
     order to facilitate completion of the project.

H.   Deliverables

     This section will provide a description of any items to be delivered by IBM
     under the project.

I.   Estimated Schedule

     This section will provide the planned schedule for completion of the
     project, including any milestones and target dates for completion.

                                                                     Page 4 of 6

<PAGE>

J.   Completion Criteria

     This section will state the criteria which IBM must meet in order to
     satisfy its obligations under the project.

K.   Charges/Invoicing

     This section will specify the applicable charges for the project and the
     basis for such charges and the terms for IBM's invoicing if different from
     those contained in the Transaction Document.

L.   Additional or Unique Terms and Conditions

     This section will identify any terms and conditions in addition to or
     different from those contained in the Master Agreement and the Transaction
     Document.

6.0  PROJECT CHANGE CONTROL

     Either Party may request a change to a project subject to the following
     procedure:

     All requests for a project change must be submitted via a Project Change
     Request ("PCR"). The PCR must describe the change in detail, the rationale
     for the change and the effect the change will have, if accepted, or the
     impact it will have if rejected, on the project. The Project Manager of the
     requesting Party will review the PCR and determine whether to submit the
     request to the other Party.

     If submitted, both Project Managers will review the proposed change and
     approve it for further investigation, if required, or reject it. If the
     Parties agree that the proposed change requires further investigation, the
     Project Managers will authorize such investigation, and any charges by IBM
     that IBM specifies for such investigation, by signing the PCR. The
     investigation to be conducted will determine the technical merits and the
     effect on price, schedule, and other terms and conditions that may result
     from the implementation of the proposed change. The requesting Party's
     Project Manager may then approve or reject the change.

     If rejected, the PCR will be returned to the requesting Party along with
     the reason for rejection.

     If approved, the change will be implemented by providing written
     authorization signed by authorized representatives of both Parties ("Change
     Authorization").

7.0  COMPLETION

     IBM will notify Certegy, in writing, when the Completion Criteria for a
     Deliverable has been met. Certegy must inform IBM, in writing, within ten
     (10) business days following receipt of IBM's notification if Certegy
     believes IBM has not met the Completion Criteria, together with reasonable
     detail as to the reasons for such belief. If IBM does not receive written
     notice within such period, then the Deliverable(s) will be deemed Accepted.

                                                                     Page 5 of 6

<PAGE>

8.0  POTENTIAL PROJECTS UNDERWAY AT COMMENCEMENT DATE

     As of the Execution Date, Certegy is aware of the following projects that
     could have potential impact on IBM's delivery of the Services:

          -    new Clearing and Settlement System (replacement for Pass Thru and
               DEPP)

          -    new Loyalty Management System

     This section is to make IBM aware of these two major projects that will be
     underway at Commencement Date.

     In the event Certegy requests IBM support of these project(s), such support
     will be a New Service and Certegy shall submit a request for such support,
     and IBM will provide, in accordance with Schedule N, a Project Plan.

                                                                     Page 6 of 6

<PAGE>

                                  SCHEDULE O OF
                           TRANSACTION DOCUMENT #03-01
                                 (UNITED STATES)
                                 MAINFRAME TOWER
                               AFFECTED EMPLOYEES

As of the Commencement Date, there are no Affected Employees.

Schedule O                       March 14, 2003                      Page 1 of 1
Certegy/IBM CONFIDENTIAL
<PAGE>

                                  SCHEDULE P OF
                           TRANSACTION DOCUMENT #03-01
                                 (UNITED STATES)
                                 MAINFRAME TOWER
                                MAINTENANCE TERMS

This Schedule is not applicable to this Transaction Document 03-01.

Schedule P                       March 14, 2003                      Page 1 of 1
CERTEGY/IBM CONFIDENTIAL

<PAGE>

                                  SCHEDULE Q OF
                           TRANSACTION DOCUMENT #03-01
                                 (UNITED STATES)
                                 MAINFRAME TOWER
                           OUTSTANDING EMPLOYEE CLAIMS

There are no Outstanding Employee Claims.

Schedule Q                       March 14, 2003                      Page 1 of 1
CERTEGY/IBM CONFIDENTIAL

<PAGE>

                                  SCHEDULE R OF
                           TRANSACTION DOCUMENT #03-01
                                 MAINFRAME TOWER
                                 (UNITED STATES)
                         SERVICES TRANSITION ASSISTANCE

1.   INTRODUCTION

     1.1. This Schedule R defines the assistance IBM will provide to Certegy
          upon expiration or termination of the Agreement and/or this
          Transaction Document.

2.   SERVICES TRANSFER ASSISTANCE

     2.1. It is the intent of the Parties that at or, upon expiration or
          termination of the Agreement and/or Transaction Document, IBM will
          cooperate with Certegy to assist with the orderly transfer of the
          services, functions, responsibility, and operations comprising the
          Services provided by IBM, hereunder, to another services provider or
          one or more members of the Certegy Group itself.

     2.2. Prior to expiration or termination of the Agreement and/or this
          Transaction Document, Certegy may request IBM to perform and, if so
          requested, IBM shall perform (except in the event of termination for
          cause by IBM)) services, in connection with migrating the work of the
          Certegy Group to another services provider or the Certegy Group itself
          (through "Services Transfer Assistance").

     2.3. Services Transfer Assistance shall be provided:

          2.3.1. until the effective date of expiration or termination with
                 respect to the Services; and

          2.3.2  for expiration or termination related services that are in
                 addition to the Services, for up to six additional months after
                 the effective date of expiration or termination.

     2.4. Services Transfer Assistance shall include providing Certegy and its
          Affiliates and their agents, contractors and consultants, as
          necessary, with the following services:

          2.4.1. Pre-migration Services:

                 (a)  assisting the new operations staff in developing a plan
                      for the transition of all requested and appropriate
                      operations from IBM;

                 (b)  providing the new operations staff personnel training in
                      the performance of the Services being transferred;

Schedule R                       March 14, 2003                      Page 1 of 4
CERTEGY/IBM CONFIDENTIAL

<PAGE>

                 (c)  providing the new operations staff with any other
                      information regarding the Services that is required to
                      implement the transition plan and providing such
                      information as necessary for the new operations staff to
                      perform the Services in an orderly manner, minimizing
                      disruption in the operations of Certegy;

                 (d)  notifying all IBM subcontractors of procedures to be
                      followed during the turnover phase;

                 (e)  freezing all non-critical Software changes as requested by
                      Certegy;

                 (f)  reviewing all Software libraries (test and production)
                      with the new service provider and/or Certegy;

                 (g)  identifying, recording and providing control release
                      levels for the operating Systems Software used by IBM to
                      provide the Services;

                 (h)  providing documentation to the new or existing operations
                      staff which has been provided to IBM by Certegy, jointly
                      developed between IBM and Certegy, and/or technical
                      documentation as required to support the Services but
                      excluding any documentation which is IBM Confidential
                      Information which is not required to support the services;

                 (i)  assisting in establishing naming conventions for the new
                      production site;

                 (j)  providing to the new operations staff reasonable access
                      and use of equipment, software, personnel, third parties,
                      and other resources used by IBM to provide the Services,
                      subject to any prohibitions or restrictions on the use or
                      disclosure of the software as required by the license
                      agreements;

                 (k)  analyzing space required for the data-bases and Software
                      libraries; and

                 (1)  generating a tape and listing of the source code in a form
                      reasonably requested by Certegy.

          2.4.2. Migration Services:

                 (a)  unloading the production data bases as requested by
                      Certegy;

                 (b)  unloading all requested Certegy data files and other
                      Certegy Confidential Information from the System and
                      delivering it to Certegy together with any IBM
                      Confidential Information which is

                                                                     Page 2 of 4

<PAGE>

                      required to perform the service subject to the
                      requirements of section 2.6.3;

                 (c)  delivering tapes of production data-bases (with content
                      listings) and printouts of control file information to the
                      new operations staff;

                 (d)  assisting with the loading of the data-bases;

                 (e)  providing reasonable assistance to new operations staff
                      with the turnover of operational responsibilities;

                 (f)  reviewing and explaining the Procedures Manual to the new
                      operations staff;

                 (g)  assisting the new operations staff in notifying outside
                      vendors of the procedures to be followed during the
                      migration;

                 (h)  assisting the new operations staff in preparation of and
                      conducting migration testing;

                 (i)  assisting with the communications network turnover, if
                      applicable; and

                 (j)  assisting in the execution of a parallel operation until
                      the effective date of expiration or termination of the
                      Agreement and/or this Transaction Document.

          2.4.3. Post-migration Services:

                 (a)  answering questions regarding the Services on an as-needed
                      basis during the 90 day period following the date of
                      expiration or termination; and

                 (b)  returning to Certegy any remaining Certegy owned reports
                      and documentation still in IBM's possession.

2.5. If any Services Transfer Assistance provided by IBM requires the
     utilization of additional resources for which there is a current Baseline,
     Certegy will pay IBM for the incremental resources using the applicable
     charging methodology set forth in Schedule J of the Transaction Document.

2.6. If the Services Transfer Assistance requires IBM to incur expenses in
     excess of the expenses that IBM would otherwise incur in the performance of
     the Agreement and/or this Transaction Document, then:

                                                                     Page 3 of 4

<PAGE>

          2.6.1. IBM shall notify Certegy of any additional expenses associated
                 with the performance of any additional services pursuant to
                 Section 2.5 and this Section 2.6 within 30 days of receiving a
                 written work-order request from Certegy prior to performing
                 such services;

          2.6.2. upon Certegy's authorization, IBM shall perform the additional
                 services and upon completion of the services IBM will invoice
                 Certegy for such services; and

          2.6.3. Additionally, prior to providing any of the Services Transfer
                 Assistance, the new operations staff shall provide to IBM an
                 executed confidentiality agreement regarding IBM's Confidential
                 Information disclosed or provided to the new operations staff
                 while providing the Services Transfer Assistance; and

          2.6.4. Certegy shall pay IBM for such additional expenses incurred
                 within thirty (30) days of the date of receipt of the
                 applicable invoice.

                                                                     Page 4 of 4

<PAGE>

                                  SCHEDULE S OF

                           TRANSACTION DOCUMENT #03-01
                                 (UNITED STATES)

                                 MAINFRAME TOWER

       PERFORMANCE STANDARDS, MINIMUM SERVICE LEVELS, AND SERVICE CREDITS

1    INTRODUCTION

1.1  IBM and Certegy have developed detailed Performance Standards and Minimum
     Service Levels that will adequately measure and track the performance of
     Services provided by IBM.

1.2  This Schedule S describes:

1.2.1 The Performance Standards and Minimum Service Levels for the defined
      Services which IBM is required to meet during the Term of this Agreement.
      Such Performance Standards and Minimum Service Levels are set forth in
      Charts C-1 through C-25 of Exhibit C-1 to this Schedule S, the effective
      date for each of the attendant Service Credits is identified in the
      attached Charts in the section titled "Implementation Criteria";

1.2.2 Service Credits which are required to be paid to Certegy in accordance
      with Section 9.9 of the Master Agreement, should IBM fail to meet the
      Minimum Service Levels as set forth in this Schedule S; and

1.3  Certain Certegy responsibilities.

2    DEFINITIONS

     "ACTUAL UPTIME" means, out of the Service Periods, the aggregate number of
     hours in any calendar month during which the Host System and/or each
     defined Application is actually available for use by Authorized Users.

     "APPLICATION" means individual subsystems or environments comprising the
     Applications Software.

     "AVAILABILITY" means Actual Uptime plus Excusable Downtime divided by
     Scheduled Uptime. For purposes of determining whether IBM's performance
     meets any Performance Standard and Minimum Service Level, Availability will
     be measured based on a monthly average during each calendar month of the
     Term of this Agreement, to be calculated once monthly within ten (10)
     business days following the end of each calendar month.

Schedule S                       March 14, 2003                     Page 1 of 43
Certegy/IBM Confidential

<PAGE>

     "CRITICAL SYSTEM PROCESS" means a process or service associated with a
     Critical Business Application System for which there is a defined
     Performance Standard and Minimum Service Level.

     "EXCUSABLE DOWNTIME" means, out of the Scheduled Uptime, the aggregate
     number of hours in any calendar month during which the Host System and/or
     each defined Critical System Process is down due to action or inaction by
     Certegy or due to a Force Majeure Event, which failure is not attributable
     to IBM's failure to exercise due care including, without limitation,
     failure to provide proper preventive or remedial maintenance.

     "EXTENDED FUNCTIONALITY" means the state of the Application
     Software-Certegy when the batch job CP209000 for St. Pete or CP209040 for
     Madison) or their replacement has completed and the online system has
     limited update capability.

     "FULL FUNCTIONALITY" means the state of the Application Software-Certegy
     when the batch job CP242000 for St. Pete or CP242040 for Madison or
     BP2E6780 for Base2000 (Bank Card Availability) or their replacement has
     completed and the system is current and operational.

     "HOST SYSTEM" means Machines and related Systems Software.

     "INTERNAL RESPONSE TIME" means the internal response time of CICS
     transactions in a region as measured by the software tool Omegamon CICS or
     its equivalent replacement.

     "KEY PERFORMANCE INDICATOR" "KPI" means a critical process or service which
     shall be monitored and reported by exception.

     "MEASUREMENT PERIOD" means the time intervals for monitoring, evaluating
     and calculating IBM's performance against the Performance Standards and
     Minimum Service Levels and the Service Credits, if any.

     "MINIMUM SERVICE LEVEL" or "MSL" means the level of performance set forth
     in Charts C-1 through C-25 of Exhibit C-1.

     "PRIORITY" as used in Chart C-17, 18, and 22 to this Schedule S, refers to
     the relative importance to Certegy of IBM's attainment of performance in
     accordance with the Service Level for a particular Critical System Process
     versus the Service Level of another Critical System Process. The Priority
     designations are, in order of least importance to most importance: 2 and 1.

     "RESPONSE TIME" means the time taken to perform initial problem
     determination by a problem support area from the time the Help Desk was
     advised.

     "RESOLUTION TIME" means the time taken to effect a permanent fix to a
     problem from the time the Help Desk was advised.

                                                                    Page 2 of 43

<PAGE>

     "SCHEDULED DOWNTIME" means, out of the Service Periods, the aggregate
     number of hours in any calendar month during which the Host System and/or
     each defined Critical System Process is scheduled to be unavailable for use
     by Authorized Users due to such things as preventive maintenance, system
     upgrades, etc. The Scheduled Downtime period will be between the hours of
     03:00 am to 06:00am on Sundays, unless otherwise agreed in advance by the
     Parties.

     "SERVICE PERIODS" means the days of the week and hours per day that the
     Host System and/or each defined Critical System Process is scheduled to be
     available for use by Authorized Users as set forth in Exhibit C-1, subject
     to adjustment for mutually agreed upon Scheduled Downtime.

     "SCHEDULED UPTIME" means of the Service Periods, the aggregate number of
     hours in any calendar month during which the Host System and/or each
     defined Critical System Process is scheduled to be available for use by
     Authorized Users.

     "UNAVAILABILITY" means actual downtime less Scheduled Downtime divided by
     Scheduled Uptime. For purposes of determining whether IBM's performance
     meets any Performance Standard and Minimum Service Level, Unavailability
     will be measured based on a monthly average during each calendar month of
     the Term of this Agreement, to be calculated once monthly within ten (10)
     business days following the end of each calendar month.

     "VALIDATED OR VALIDATION" means that the Service Levels can be demonstrated
     to have been met or are demonstrated to be attained by IBM during a
     one-hundred twenty (120) day Measurement Period during the Term of this
     Agreement utilizing reasonable business practices and providing information
     about requirements and responsibilities and the measurement process. The
     "Validation" process is the method for obtaining Validated results. New
     Performance Standards and Minimum Service Levels which are Validated in
     accordance with this Schedule S, will go into effect as soon as the IPT
     agrees that they have been Validated and Exhibit C-1 will be updated
     accordingly.

     "VALIDATION PERIOD" means the one hundred and twenty (120) day period
     described in Section 6.1(ii) of this Schedule S, or otherwise agreed
     between the Parties, to define a new SLA, responsibilities and requirements
     for the SLA, agree to the measurement methods, implement and perform the
     measurement and jointly verify the results.

     All capitalized terms used and not defined in this Schedule S shall have
     the same meanings given to them elsewhere in the Master Agreement the
     applicable Transaction Document and its Schedules hereunder.

3    REPORTING

     By the tenth (10th) business day of each calendar month during the Term of
     this Agreement, IBM will submit to Certegy a report or set of reports
     assessing IBM's

                                                                    Page 3 of 43

<PAGE>

     performance against the Performance Standards and the Minimum Service
     Levels during the previous calendar month and detailing IBM's performance
     in those categories identified on Charts C-1 through C-25. IBM will also be
     responsible for promptly investigating and correcting failures including
     failures to meet such Performance Standards and Minimum Service Levels by:

          -    initiating problem investigations to identify root causes of
               failures;

          -    promptly reporting problems to Certegy that reasonably could be
               expected to have a material adverse effect on Certegy or its
               Authorized Users' operations; and

          -    making written recommendations to Certegy for improvement in
               procedures.

     In addition to any Service Credits required by the Master Agreement and
     Section 7 hereof, IBM with Certegy's assistance shall diligently identify
     root causes, correct their respective problems, as identified through the
     root cause analysis, and minimize recurrences of missed Performance
     Standards and Minimum Service Levels for which it is responsible. IBM will
     provide Certegy with a report describing the results of its root cause
     analysis and other facts relating to IBM's failure to attain MSLs

4    PERIODIC REVIEWS

     Performance Standards and Minimum Service Levels will be reviewed and
     adjusted, if applicable, by the IPT. Any such changes will be implemented
     through the Change Control Process. The Parties intend that the Performance
     Standards and Minimum Service Levels will not be less favorable to Certegy
     during the Term of this Agreement to which they are applicable than they
     are at the initiation of the Services and will be improved over time. Any
     adjustments to applicable Performance Standards and Minimum Service Levels
     will be based upon:

          -    The discussion between the Parties following receipt of the
               Benchmarker Results in accordance with the benchmarking
               procedures set forth in Section 5.2 of the Transaction Document.

          -    Technology changes to the environment; and

          -    Certegy or its Authorized Users' business change.

          -    Otherwise, the Performance Standards and Minimum Service Levels
               will remain the same.

5    PERFORMANCE STANDARD AND MINIMUM SERVICE LEVEL IMPACT

                                                                    Page 4 of 43

<PAGE>

5.1.1 For any calendar month for which, based on capacity planning activities
      utilizing Certegy business projections and IBM's historical trend
      analysis, IBM has provided written performance recommendations to Certegy
      to allow for continued Performance Standard and Minimum Service Level
      attainment without any increase in the ASC, Monthly Charges or other costs
      to Certegy, and with lead time reasonably sufficient for Certegy to verify
      and approve such recommendations, and these recommendations are valid but
      declined by Certegy or Certegy does not respond to IBM's recommendations,
      then IBM will be relieved of its Performance Standard and Minimum Service
      Level obligations for any calendar month for the environments for which
      recommendations were made and the capacity was exceeded, to the extent
      that the root cause analysis of such Performance Standard and/or Minimum
      Service Level failure demonstrates that the root cause was Certegy's
      refusal to accept and implement such recommendations.

5.1.2 IBM shall be relieved of its performance obligations under the Performance
      Standards and Minimum Service Levels for any calendar month to the extent
      that MIPS and DASD resources provided by IBM meet the capacity set forth
      in the Supplement, as adjusted by incremental MIPS and DASD requested by
      Certegy, where the root cause analysis demonstrates that such level of
      utilization exceeds such capacity and was the cause of IBM failing to
      satisfy such Performance Standard or Minimum Service Level in such month,
      except in the event where root cause analysis demonstrates that such level
      of utilization does not exceed the normal tolerance level of the IBM
      resources being utilized to provide such capacity.

6    PERFORMANCE STANDARD AND MINIMUM SERVICE LEVEL CRITERIA

6.1  The Performance Standards and Minimum Service Levels for the defined
     Services which IBM will be required to meet under this Agreement will be
     implemented in six parts as follows:

     (i)  New Performance Standards and Minimum Service Levels "Report-Only
          Performance Standards" if applicable, will be implemented and be
          effective upon agreement.

     (ii) The Parties will Validate the new Performance Standards and Minimum
          Service Levels set forth at Charts C-1 through C-25 by accomplishing
          one of the following. In the following paragraphs, data to be
          validated refers not only to substantive confirmation of the
          measurements of the SLAs and the measurement process, but also
          information about the requirements and responsibilities to enable the
          SLAs:

          a)   Where the latest nine (9) months of the necessary data required
               for Validation is available prior to the Commencement Date, this
               data will be reviewed and accepted by IBM during the 180Day
               Transition Period. If any Service Level is Validated by IBM
               pursuant to this Section 6.1(ii)(a), the applicable Minimum
               Service Level and Performance Standard shall be deemed to be
               implemented and

                                                                    Page 5 of 43

<PAGE>

               effective on the Commencement Date of this Agreement and all
               associated Service Credits shall apply;

          b)   Where the necessary data is not available prior to the
               Commencement Date and subject to agreement to the measurement
               methods to be used and the identification of the System end
               points by Certegy, IBM shall within the continuous one hundred
               and twenty (120) day Measurement Period starting at Commencement
               Date, measure the performance standards of the Services to verify
               that the Performance Standards and Minimum Service Levels set
               forth in this Schedule S can be met or exceeded. Once the
               Performance Standards and Minimum Service Levels are Validated,
               they will go into effect and IBM shall meet or exceed such
               Performance Standards and Minimum Service Levels as of the date
               of Validation by the Parties and for the remainder of the Term of
               this Agreement, including any mutually agreed changes; or

     (iii) If, after completing the activities required to Validate a Service
          Level during the Validation Period, the Parties determine that a
          Service Level (Performance Standard) cannot be attained, such Service
          Levels shall be revised to reflect those measured during the
          Validation Period after agreement of the Parties and acceptance by the
          IPT. Such revised, agreed and accepted Service Levels, shall become
          effective when Validated and such Performance Standards and Minimum
          Service Levels in this Schedule S shall be amended accordingly.

     (iv) If IBM fails to timely complete the activities required to Validate
          any Service Level in this Schedule S within a Validation Period, then
          such Performance Standards and Minimum Service Levels set forth in
          Exhibit C-1 to this Schedule S shall be deemed implemented and
          effective as of the end of the Validation Period or the Commencement
          date and the associated Service Credits shall apply. In the event that
          IBM subsequently completes its measurement activities to Validate such
          Service Level within a further 120 day period and the Parties
          determine that a Service Level cannot be attained, such Service Levels
          shall be revised to reflect those measured by IBM upon agreement of
          the Parties and acceptance by the EPT. Such revised, agreed and
          accepted Service Levels, shall become effective upon the agreement of
          the Parties and the Performance Standards and Minimum Service Levels
          set forth in Exhibit C-1 to this Schedule S shall be amended
          accordingly.

     (v)  Notwithstanding sub-section (iv) above, if the Parties determine that
          IBM is unable to Validate any Service Level described herein using
          commercially reasonable efforts within the Validation Period, the
          Parties shall, through the IPT process, reasonably attempt to jointly
          develop an alternative Service Level.

     (vi) Where the Parties agree that the Measurement Period for any one SLA
          should be deferred for any reason and agree that measurement shall
          commence on a mutually agreeable date which results in the Measurement
          Period for that SLA extending beyond the end of the Validation Period
          the SLA shall become

                                                                    Page 6 of 43

<PAGE>

          effective at the later of (a) the end of the Validation Period or (b)
          the agreed date for the commencement of the Validation Period for that
          SLA.

          During the Validation Period and the Transition Period the Batch
          transaction workload will be measured. In the event of a significant
          deviation to the Batch transaction workload through natural growth or
          through the implementation of a significant change the Parties agree
          that the SLA will be subject to re-Validation. Upon this event and
          until such time as the SLA is re-Validated Service Credits shall not
          be payable.

6.2  IBM will perform scheduled batch processing services in accordance with the
     Performance Standards and Minimum Service Levels set forth in Exhibit C-1.
     IBM shall be relieved from applicable Performance Standards and Minimum
     Service Levels and Service Credits if it does not receive certain critical
     inputs from Certegy or its Authorized Users by time agreed upon by the
     Parties, where the required files are available and ready for use within
     the IBM managed infrastructure, and successful completion of the
     appropriate Application batch job stream to the extent controlled by
     Certegy unless the reason the critical inputs are not received is due to an
     error or errors made by IBM in their Performance of the Services which IBM
     will not be relieved from applicable Performance Standards and Minimum
     Service Levels. On those occasions where a Service Level appears to be met
     (i.e. Online systems are up and available on or before the time identified
     in Exhibit C-1) but a processing error caused specifically by IBM (i.e.
     restarting a job in the wrong place where the restart procedures were
     correctly documented) had occurred causing the files to be non current,
     then IBM will have been deemed to have missed the Service Level.

6.3  Certegy recognizes that its deviation from scheduled batch job streams may
     result in batch output not being available by the scheduled time.

6.4  If Certegy or its Authorized Users fails to deliver any critical input by
     the deadline for the applicable batch processing job, or deviates from
     scheduled batch job streams, IBM will use commercially reasonable efforts,
     once the input is received, or corrections are made by Certegy, to complete
     such batch processing by the scheduled time. In this case, IBM will not be
     subject to a Service Credit for this application, provided it uses such
     commercially reasonable efforts.

6.5  ADDITIONAL PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

6.5.1 New Applications: Performance Standards and Minimum Service Levels for new
     Applications which are critically material to Certegy's business shall be
     set forth in Exhibit C-1. The Performance Standard and Minimum Service
     Level for each new Application shall be negotiated between IBM and Certegy
     based on actual performance during the first one-hundred twenty (120) days
     following implementation balanced with performance forecasts (new
     Applications shall meet the mutually agreed qualification criteria and be
     compatible with the Applications Installation Standards specified in
     Schedule K), provided, however, that the new Application Availability
     Performance Standard and Minimum Service Level shall be consistent with the
     standards set forth in

                                                                    Page 7 of 43

<PAGE>

     Exhibit C-1 for other comparable Applications. In the event that agreement
     is not achieved in the one-hundred twenty (120) days, the dispute
     resolution procedures set forth in Section 16 of the Master Agreement will
     be followed.

6.5.2 New Services: When additional or New Services, other than new
     Applications, for which there will be a Performance Standard and Minimum
     Service Level are added to the operating environment, the Performance
     Standard and Minimum Service Level for each additional or New Service shall
     be negotiated between IBM and Certegy based on actual performance during
     the first one-hundred twenty (120) days following implementation. Such
     mutually agreed upon Performance Standard and Minimum Service Level will be
     set forth in Exhibit C-1.

6.5.3 In the event of a Disaster, IBM will be relieved from the Service Level
     requirements set forth in Schedule S of this Transaction Document as
     measured through the "Description of Outages" in Performance Standards and
     Minimum Service Levels Chart C-1 through C-25 from the time of the initial
     outage to five (5) calendar days after restoration thereafter.

6.5.4 IBM shall monitor and report on all Priority 2 Critical Processes as part
     of their daily and monthly reporting to Certegy. IBM shall also make
     commercially reasonable efforts to provide at a minimum the services
     related to the Certegy development environment as noted in Chart C-26 of
     this Schedule S.

6.5.5 IBM will track and report by exception, on but will not incur Service
     Credits, for any initial failure by IBM to meet those Service Level
     standards designated in Charts 17, 18 and 22 as "Priority 2" Service
     Levels. However, upon any failure by IBM to satisfy any Priority 2 Service
     Level for two (2) consecutive calendar months (hereinafter such failure is
     referred to as a "Priority 2 Service Credit Event"), a Service Credit equal
     to the Priority 1 Service Credit amount, as set forth in Service Credit
     Table C-3 shall be applied against the IBM invoice for Services in the
     month immediately following the occurrence of such Priority 2 Service
     Credit Event. Subsequent failures by IBM to meet the same Minimum Service
     Level during the six (6) calendar months following the Priority 2 Service
     Credit Event, as monitored by Certegy and accepted by IBM, shall also
     require IBM to apply a separate and additional Service Credit. If, however
     IBM consistently achieves the Minimum Service Level during such six (6)
     consecutive month period, IBM shall not be liable for Service Credits for
     the initial failure by IBM to meet or perform in accordance with the
     applicable Minimum Service Level. Instead, the initial failure following
     the six (6) consecutive month period shall be deemed a first time failure
     to achieve a Priority 2 Service Level and shall be treated in the manner
     described above.

6.5.6 The Service Levels included in Exhibit C-1 as of the Effective Date are
     included in the ASC. Any Service Levels added after the Effective Date are
     subject to additional charges, if any, and any such additional charges will
     be reflected in an amendment to this Transaction Document.

7    SERVICE CREDITS

                                                                    Page 8 of 43

<PAGE>

7.1    In accordance with Section 3.2 of the Master Agreement, should IBM fail
       to achieve the Minimum Service Levels as set forth in Exhibit C-1, IBM
       will pay Service Credit(s) to Certegy. IBM will be relieved of
       responsibility in accordance with this Schedule S for any Minimum Service
       Level(s) and any associated Service Credits to the extent affected by the
       items described below where IBM's failure to meet the Minimum Service
       Level(s) is due to:

7.1.1  The conditions and considerations outlined in Sections 5.1.1, 5.1.2, 6.2,
       6.3 and 6.4 of this Schedule S;

7.1.2  Problems determined to be caused by the actions or inaction of Certegy's
       personnel;

7.1.3  Changes made to the environment by Certegy directly or by IBM personnel
       in response to a request from duly authorized Certegy personnel through
       the recognized work order or Change Control Process;

7.1.4  Certegy's change in prioritization of available resources;

7.1.5  Certegy's failure to perform Certegy's obligations as set forth in this
       Transaction Document and its Schedules to the extent such failure affects
       IBM's ability to perform the Services at the specified Minimum Service
       Levels (e.g., provision of adequate system capacity to provide the
       Minimum Service Level commitments, environmental factors/facilities,
       Certegy procedural errors);

7.1.6  Performance or nonperformance by Certegy's third party vendors (i.e.
       third party software vendors) and suppliers, except where root cause
       analysis demonstrates that IBM failed to perform its management
       responsibilities;

7.1.7  A declared Disaster, in which event, the Service Levels are exempted as
       noted in Section 6.5.3 of this Schedule S.;

7.1.8  Problems resulting from the application being provided by Certegy being
       demonstrated through root-cause analysis to be insufficient to allow
       completion or overall throughput of the scheduled application to allow
       achievement of the required Minimum Service Level for that application;

7.1.9  Problems which may not be determined through root cause analysis.; or

7.1.10 For events which are not under the control of IBM, for example; power
       outages, errors or bugs within the Software (other than IBM Software),
       hardware malfunctions or errors (other than IBM Machines), products or
       services recommended by Certegy (but not products or services recommended
       by IBM), or actions or inactions of Certegy's Authorized Users and/or
       customers.

7.2    The applicable Service Credits shall be determined or calculated as
       follows:

7.2.1  For failure to meet the Minimum Service Level in any of the defined
       Service categories, the Service Credit will be determined as set forth in
       Exhibit C-1.

                                                                    Page 9 of 43

<PAGE>

7.2.2  Regarding limitations on Service Credits:

          (a)  Notwithstanding anything to the contrary, in no event will IBM be
               liable to pay Service Credits in excess of; (i) in any given
               calendar month, twenty percent (20%) of the Monthly Charge for
               such month, or, (ii) in the aggregate, five percent (5%) of the
               Annual Service Charge during any Contract Year, during the term
               of this Transaction Document.

          (b)  If the outstanding Service Credits for any calendar month
               (including any Service Credits that have been carried forward
               from any prior months pursuant to this paragraph) exceed twenty
               percent (20%) of the Monthly Charge for such month, then, subject
               to the five percent (5%) limitation set forth in paragraph (a)
               above, the portion of such Service Credits up to 20% of the
               Monthly Charge shall be applied to the invoices for such month.
               Any Service Credits exceeding twenty percent (20%) of such
               Monthly Charge shall be carried forward and applied in accordance
               herewith against the Monthly Charge for one or more subsequent
               calendar months within the same Contract Year until completely
               exhausted, subject to the five percent (5%) limitation set forth
               in paragraph (a) above. In no event will any unapplied Service
               Credits be carried forward from one Contract Year to another.

7.2.3  The Service Credits required to be paid hereunder by IBM that are shown
       by root cause analysis to be the result of a single event, shall be
       limited to the largest financial amount that can be calculated pursuant
       to a single applicable Minimum Service Level or Performance Standard for
       that month; provided, however, that to the extent that such root cause
       analysis reveals that such problems constitute separate or unrelated
       problems, even if caused by such single event, then multiple Minimum
       Service Levels or Performance Standards may apply.

7.3    IBM shall monitor and report on all Priority 2 Critical Processes, that
       is Charts 17 and 18 in Exhibit C-1 as part of their daily and monthly
       reporting to Certegy.

                                                                   Page 10 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                    CHART C-1

                TBS BANK CARD SYSTEM AVAILABILITY-ST. PETERSBURG

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             Maintain Host System Availability of the
                                 on-line TBS Bank Card system St. Petersburg
                                 environment during the Service Periods set
                                 forth in this Chart C-1. An Authorized User
                                 must be able to obtain current up-to-date
                                 information from files provided by Applications
                                 through the Authorized Users normal process.
                                 IBM shall provide to Certegy reports detailing
                                 IBM's performance against Performance Standards
                                 and Minimum Service Levels on a monthly
                                 calendar period basis.

SERVICE PERIODS:                 The Service Period and Measurement Period are
                                 considered to be all times other than the
                                 Schedule Downtime.

                                 Full Functionality period: 07:00 to 20:00(EST)
                                 Sunday-Saturday subject to completion of job
                                 CP242000Monday-Friday

                                 Extended Functionality period - all times
                                 outside Full Functionality periods.

ENVIRONMENT DESCRIPTION:         Historically, TBS System Availability
                                 Performance Standard and Minimum Service Level
                                 attainment has been reported by individual
                                 regions and as a combined measure. Outages are
                                 tracked by documenting the TBS System
                                 Unavailability, including outage duration,
                                 cause code resolution and some Authorized Users
                                 verification. The associated on-line system
                                 tools shall be operational during TBS
                                 Cardholder System Service Periods. Any downtime
                                 (excluding Scheduled Downtime) for more than
                                 ten (10) minutes or a delay of more than 10
                                 minutes in being back at Full Functionality by
                                 0700 (EST) constitutes Unavailability.

SERVICE CREDITS:                 Should IBM fail to meet the agreed MSL, Certegy
                                 will receive Service Credits that will be based
                                 on the duration and frequency of individual
                                 outages on a monthly calendar basis as defined
                                 in the Service Credit Table C-1.

REPORTS:                         Daily by exception and weekly outage reports.

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.
</TABLE>

<TABLE>
<CAPTION>
                                                     PERFORMANCE STANDARD AND
          SERVICE CRITERIA                         MINIMUM SERVICE LEVEL (MSL)                         MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
Systems to be available at all times   MSL for an outage occurrence is ten (10) minutes or   Standard IBM reporting tools will
excluding Scheduled Downtime.          less Unavailability per event within the              identify start/end time of outage.
                                       Measurement Period.

                                                                                             The measurement is TBS System
                                       A Service Credit is due if an outage occurrence       Availability in minutes and the number
                                       exceeds ten (10) minutes of Unavailability in any     of outage occurrences.
                                       Measurement Period.

                                       The target Performance Standard shall be one
                                       hundred percent (100%) in accordance with Full
                                       Functionality and Extended Functionality
                                       definitions excluding Scheduled Downtime.
</TABLE>

                                                                   Page 11 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                    CHART C-2

                    TBS BANK CARD SYSTEM AVAILABILITY-MADISON

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             Maintain Host System Availability of the
                                 on-line TBS Bank Card system Madison
                                 environment during the Service Periods set
                                 forth in this Chart C-2. An Authorized User
                                 must be able to obtain current up-to-date
                                 information from files provided by Applications
                                 through the Authorized Users normal process.
                                 IBM shall provide to Certegy reports detailing
                                 IBM's performance against Performance Standards
                                 and Minimum Service Levels on a monthly
                                 calendar period basis.

SERVICE PERIODS:                 The Service Period and Measurement Period are
                                 considered to be all times other than the
                                 Schedule Downtime.

                                 Full Functionality period: 07:00 to 20:00(EST)
                                 Sunday - Saturday subject to completion of
                                 batch job CP242040

                                 Extended Functionality period - all times
                                 outside Full Functionality periods.

ENVIRONMENT DESCRIPTION:         Historically, TBS System Availability
                                 Performance Standard and Minimum Service Level
                                 attainment has been reported by individual
                                 regions and as a combined measure. Outages are
                                 tracked by documenting the TBS System
                                 Unavailability, including outage duration,
                                 cause code resolution and some Authorized Users
                                 verification. The associated on-line system
                                 tools shall be operational during TBS
                                 Cardholder System Service Periods. Any downtime
                                 (excluding Scheduled Downtime) for more than
                                 ten (10) minutes or a delay of more than 10
                                 minutes in being back at Full Functionality by
                                 0700 (EST) constitutes Unavailability.

SERVICE CREDITS:                 Should IBM fail to meet the agreed MSL, Certegy
                                 will receive Service Credits that will be based
                                 on the duration and frequency of individual
                                 outages on a monthly calendar basis as defined
                                 in the Service Credit Table C-1.

REPORTS:                         Daily by exception and weekly outage reports.

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.
</TABLE>

<TABLE>
<CAPTION>
                                                     PERFORMANCE STANDARD AND
          SERVICE CRITERIA                         MINIMUM SERVICE LEVEL (MSL)                          MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
Systems to be available at all times   MSL for an outage occurrence is ten (10) minutes or   Standard IBM reporting tools will
excluding Scheduled Downtime.          less Unavailability per event within the              identify start/end time of outage.
                                       Measurement Period.

                                       A Service Credit is due if an outage occurrence       The measurement is TBS System
                                       exceeds ten (10} minutes of Unavailability in any     Availability in minutes and the number
                                       Measurement Period.                                   of outage occurrences.

                                       The target Performance Standard shall be one
                                       hundred percent (100%) in accordance with Full
                                       Functionality and Extended Functionality
                                       definitions excluding Scheduled Downtime.
</TABLE>

                                                                   Page 12 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                    CHART C-3

                     BASE 2000 BANK CARD SYSTEM AVAILABILITY

SERVICE DESCRIPTION:             Maintain Host System Availability of the
                                 on-line Base 2000 Bank Card System environment
                                 during the Service Periods set forth in this
                                 Chart C-3. An Authorized User must be able to
                                 obtain current up- to-date information from
                                 files provided by Applications through the
                                 Authorised Users normal process. IBM shall
                                 provide to Certegy reports detailing IBM's
                                 performance against Performance Standards and
                                 Minimum Service Levels on a monthly calendar
                                 period basis.

SERVICE PERIODS:                 The Service Period and Measurement Period are
                                 considered to be all times other than the
                                 Schedule Downtime.

                                 Full Functionality period:
                                 07:00 to 20:00(EST) Sunday - Saturday subject
                                 to completion of batch job BP2E6780

                                 Extended Functionality period - all times
                                 outside Full Functionality periods

ENVIRONMENT DESCRIPTION:         Historically, Base2000 System Availability
                                 Performance Standard and Minimum Service Level
                                 attainment has been reported by individual
                                 regions and as a combined measure. Outages are
                                 tracked by documenting the Base2000 System
                                 Unavailability, including outage duration,
                                 cause code resolution and some Authorized Users
                                 verification. The associated on-line system
                                 tools shall be operational during Base2000
                                 Cardholder System Service Periods. Any downtime
                                 (excluding Scheduled Downtime) for more than
                                 ten (10) minutes or a delay of more than 10
                                 minutes in being back at Full Functionality by
                                 0700 (EST) constitutes Unavailability.

SERVICE CREDITS:                 Should IBM fail to meet the agreed MSL, Certegy
                                 will receive Service Credits that will be based
                                 on the duration and frequency of individual
                                 outages on a monthly calendar basis as defined
                                 in the Service Credit Table C-1.

REPORTS:                         Daily by exception and weekly outage reports.

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.

<TABLE>
<CAPTION>
                                                     PERFORMANCE STANDARD AND
          SERVICE CRITERIA                         MINIMUM SERVICE LEVEL (MSL)                          MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
Systems to be available at all times   MSL for an outage occurrence is ten (10) minutes or   Standard IBM reporting tools will
excluding Scheduled Downtime.          less Unavailability per event within the              identify start/end time of outage.
                                       Measurement Period.

                                       A Service Credit is due if an outage occurrence       The measurement is Base 2000 Bank Card
                                       exceeds ten (10) minutes of Unavailability in any     System Availability in minutes and the
                                       Measurement Period.                                   number of outage occurrences.

                                       The target Performance Standard shall be one
                                       hundred percent (100%) in accordance with Full
                                       Functionality and Extended Functionality
                                       definitions excluding Scheduled Downtime.
</TABLE>

                                                                   Page 13 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                    CHART C-4

               TBS COLLECTIONS SYSTEM AVAILABILITY-ST. PETERSBURG

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             Maintain Host System Availability of the
                                 on-line The TBS Collections System environment
                                 St. Petersburg during the Service Periods set
                                 forth in this Chart C-4. An Authorized User
                                 must be able to obtain current up-to-date
                                 information from files provided by Applications
                                 through the Authorized Users normal process.
                                 IBM shall provide to Certegy reports detailing
                                 IBM's performance against Performance Standards
                                 and Minimum Service Levels on a monthly
                                 calendar period basis. On-line up by 0700
                                 (EST). IBM shall provide 7 x 24 support for
                                 abend resolution.

SERVICE PERIODS:                 Sunday-Saturday 24 hours per day Availability
                                 (excludes Scheduled Downtime)
                                 Measurement Period 07:00 to 23:00 (EST) Sunday
                                 - Saturday.

ENVIRONMENT DESCRIPTION:         Historically, TCS System Availability
                                 Performance Standard and Minimum Service Level
                                 attainment has been reported by individual
                                 regions and as a combined measure. Outages are
                                 tracked by documenting the TCS System
                                 Unavailability, including outage duration,
                                 cause code resolution and some Authorized Users
                                 verification. The associated on-line system
                                 tools shall be operational during TCS
                                 Cardholder System Service Periods. Any downtime
                                 (excluding Scheduled Downtime) for more than
                                 ten (10) minutes constitutes Unavailability.

SERVICE CREDITS:                 Should IBM fail to meet the agreed MSL, Certegy
                                 will receive Service Credits that will be based
                                 on the duration and frequency of individual
                                 outages on a monthly calendar basis as defined
                                 in the Service Credit Table C-1.

REPORTS:                         Daily by exception and weekly outage reports.

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.
</TABLE>

<TABLE>
<CAPTION>
                                                    PERFORMANCE STANDARD AND
          SERVICE CRITERIA                         MINIMUM SERVICE LEVEL (MSL)                          MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
Systems to be available at all times   MSL for an outage occurrence is ten (10) minutes or   Standard IBM reporting tools will
excluding Scheduled Downtime.          less Unavailability per event within the              identify start/end time of outage.
                                       Measurement Period.                                   The measurement is The TBS Collection
                                                                                             System Availability in minutes and the
                                       A Service Credit is due if an outage occurrence       number of outage occurrences.
                                       exceeds ten (10) minutes of Unavailability in any
                                       Measurement Period.

                                       The target Performance Standard shall be one
                                       hundred percent (100%) in accordance with Full
                                       Functionality and Extended Functionality
                                       definitions excluding Scheduled Downtime.
</TABLE>

                                                                   Page 14 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                    CHART C-5

                   TBS COLLECTIONS SYSTEM AVAILABILITY-MADISON

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             Maintain Host System Availability of the
                                 on-line The TBS Collections System Madison
                                 environment during the Service Periods set
                                 forth in this Chart C-5. An Authorized User
                                 must be able to obtain current up-to-date
                                 information from files provided by Applications
                                 through the Authorized Users normal process.
                                 IBM shall provide to Certegy reports detailing
                                 IBM's performance against Performance Standards
                                 and Minimum Service Levels on a monthly
                                 calendar period basis. On-line up by 0700
                                 (EST). IBM shall provide 7 x 24 support for
                                 abend resolution.

SERVICE PERIODS:                 Sunday-Saturday 24 hours per day Availability
                                 (excludes Scheduled Downtime)

                                 Measurement Period 07:00 to 23:00 (EST) Sunday
                                 - Saturday.

ENVIRONMENT DESCRIPTION:         Historically, TCS System Availability
                                 Performance Standard and Minimum Service Level
                                 attainment has been reported by individual
                                 regions and as a combined measure. Outages are
                                 tracked by documenting the TCS System
                                 Unavailability, including outage duration,
                                 cause code resolution and some Authorized Users
                                 verification. The associated on-line system
                                 tools shall be operational during TCS
                                 Cardholder System Service Periods. Any downtime
                                 (excluding Scheduled Downtime) for more than
                                 ten (10) minutes constitutes Unavailability.

SERVICE CREDITS:                 Should IBM fail to meet the agreed MSL, Certegy
                                 will receive Service Credits that will be based
                                 on the duration and frequency of individual
                                 outages on a monthly calendar basis as defined
                                 in the Service Credit Table C-1.

REPORTS:                         Daily by exception and weekly outage reports.

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.
</TABLE>

<TABLE>
<CAPTION>
                                                    PERFORMANCE STANDARD AND
          SERVICE CRITERIA                         MINIMUM SERVICE LEVEL (MSL)                          MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
Systems to be available at all times   MSL for an outage occurrence is ten (10) minutes or   Standard IBM reporting tools will
excluding Scheduled Downtime.          less Unavailability per event within the              identify start/end time of outage.
                                       Measurement Period.                                   The measurement is The TBS Collection
                                                                                             System Availability in minutes and the
                                       A Service Credit is due if an outage occurrence       number of outage occurrences.
                                       exceeds ten (10) minutes of Unavailability in any
                                       Measurement Period.

                                       The target Performance Standard shall be one
                                       hundred percent (100%) in accordance with Full
                                       Functionality and Extended Functionality
                                       definitions excluding Scheduled Downtime.
</TABLE>

                                                                   Page 15 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                    CHART C-6

                   BASE 2000 COLLECTION S SYSTEM AVAILABILITY

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             Maintain Host System Availability of the
                                 on-line Base 2000 Collections System
                                 environment during the Service Periods set
                                 forth in this Chart C-6. An Authorized User
                                 must be able to obtain current up-to-date
                                 information from files provided by Applications
                                 through the Authorized Users normal process.
                                 IBM shall provide to Certegy reports detailing
                                 IBM's performance against Performance Standards
                                 and Minimum Service Levels on a monthly
                                 calendar period basis.

SERVICE PERIODS:                 The Service Period and Measurement Period are
                                 considered to be all times other than the
                                 Schedule Downtime.

                                 Full Functionality period:

                                 07:00 to 20:00(EST) Sunday - Saturday subject
                                 to completion of batch job BP2C0990 Extended
                                 Functionality period - all times outside Full
                                 Functionality periods.

ENVIRONMENT DESCRIPTION:         Historically Base2000 Collections System
                                 Availability Performance Standard and Minimum
                                 Service Level attainment has been reported by
                                 individual regions and as a combined measure.
                                 Outages are tracked by documenting the Base2000
                                 Collections System Unavailability, including
                                 outage duration, cause code resolution and some
                                 Authorized Users verification. The associated
                                 on-line system tools shall be operational
                                 during Base2000 Collections System Service
                                 Periods. Any downtime (excluding Scheduled
                                 Downtime) for more than ten (10) minutes
                                 constitutes Unavailability.

SERVICE CREDITS:                 Should IBM fail to meet the agreed MSL, Certegy
                                 will receive Service Credits that will be based
                                 on the duration and frequency of individual
                                 outages on a monthly calendar basis as defined
                                 in the Service Credit Table C-1.

REPORTS:                         Daily by exception and weekly outage reports.

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.
</TABLE>

<TABLE>
<CAPTION>
                                                    PERFORMANCE STANDARD AND
          SERVICE CRITERIA                         MINIMUM SERVICE LEVEL (MSL)                          MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
Systems to be available at all times   MSL for an outage occurrence is ten (10) minutes or   Standard IBM reporting tools will
excluding Scheduled Downtime.          less Unavailability per event within the              identify start/end time of outage.
                                       Measurement Period.                                   The measurement is Base 2000 Collection
                                                                                             System Availability in minutes and the
                                       A Service Credit is due if an outage occurrence       number of outage occurrences.
                                       exceeds ten (10) minutes of Unavailability in any
                                       Measurement Period.

                                       The target Performance Standard shall be one
                                       hundred percent (100%) in accordance with Full
                                       Functionality and Extended Functionality
                                       definitions excluding Scheduled Downtime.
</TABLE>

                                                                   Page 16 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                    CHART C-7

              TBS AUTHORIZATION SYSTEM AVAILABILITY -ST. PETERSBURG

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             Maintain Host System Availability of the
                                 on-line TBS Authorizations system St.
                                 Petersburg environment during the Service
                                 Periods set forth in this Chart C-7. An
                                 Authorized User must be able to obtain current
                                 up-to-date information from files provided by
                                 Applications through the Authorized Users
                                 normal process. IBM shall provide to Certegy
                                 reports detailing IBM's performance against
                                 Performance Standards and Minimum. Service
                                 Levels on a monthly calendar period basis. IBM
                                 shall, in coordination with Certegy's TBS
                                 Authorizations System Support Group, provide
                                 7 x 24 support for abend resolution.

SERVICE PERIODS:                 The Service Period and Measurement Periodare
                                 considered to be all times other than the
                                 Schedule Downtime.

                                 Sunday thru Saturday - 24 x 7 Availability

ENVIRONMENT DESCRIPTION:         Historically TBS Authorizations System
                                 Availability Performance Standard and Minimum
                                 Service Level attainment has been reported by
                                 individual regions and as a combined measure.
                                 Outages are tracked by documenting the TBS
                                 Authorizations System Unavailability, including
                                 outage duration, cause code resolution and some
                                 Authorized Users verification. The associated
                                 on-line system tools shall be operational
                                 during TBS Authorizations System Service
                                 Periods. Any downtime (excluding Scheduled
                                 Downtime) for more than ten (10) minutes
                                 constitutes Unavailability.

SERVICE CREDITS:                 Should IBM fail to meet the agreed MSL, Certegy
                                 will receive Service Credits that will be based
                                 on the duration and frequency of individual
                                 outages on a monthly calendar basis as defined
                                 in the Service Credit Table C-2.

REPORTS:                         Daily by exception and weekly outage reports.

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6of
                                 this Schedule S.
</TABLE>

<TABLE>
<CAPTION>
                                                    PERFORMANCE STANDARD AND
          SERVICE CRITERIA                         MINIMUM SERVICE LEVEL (MSL)                          MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
Systems to be available at all times   MSL for an outage occurrence is ten (10) minutes or   Standard IBM reporting tools will
excluding Scheduled Downtime.          less Unavailability per event within the              identify start/end time of outage.

                                       A Service Credit is due if an outage occurrence       The Measurement is TBS Authorizations
                                       exceeds ten (10) minutes of Unavailability in any     System Availability in minutes and the
                                       Measurement Period.                                   number of outage occurrences.

                                       The target Performance Standard shall be one
                                       hundred percent (100%) in accordance with Full
                                       Functionality and extended Functionality
                                       definitions excluding Scheduled Downtime.

</TABLE>

                                                                   Page 17 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                    CHART C-8

                 TBS AUTHORIZATION SYSTEM AVAILABILITY -MADISON

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             Maintain Host System Availability of the
                                 on-line TBS Authorizations system Madison
                                 environment during the Service Periods set
                                 forth in this Chart C-8. An Authorized User
                                 must be able to obtain current up-to-date
                                 information from, files provided by
                                 Applications through the Authorized Users
                                 normal process. IBM shall provide to Certegy
                                 reports detailing IBM's performance against
                                 Performance Standards and Minimum Service
                                 Levels on a monthly calendar period basis. IBM
                                 shall, in coordination with Certegy's TBS
                                 Authorizations System Support Group, provide
                                 7 x 24 support for abend resolution.

SERVICE PERIODS:                 The Service Period and Measurement Period are
                                 considered to be all times other than the
                                 Schedule Downtime.

                                 Sunday thru Saturday - 24 x 7 Availability

ENVIRONMENT DESCRIPTION:         Historically TBS Authorizations System
                                 Availability Performance Standard and Minimum
                                 Service Level attainment has been reported by
                                 individual regions and as a combined measure.
                                 Outages are tracked by documenting the TBS
                                 Authorizations System Unavailability, including
                                 outage duration, cause code resolution and some
                                 Authorized Users verification. The associated
                                 on-line system tools shall be operational
                                 during TBS Authorizations System Service
                                 Periods. Any downtime (excluding Scheduled
                                 Downtime) for more than ten (10) minutes
                                 constitutes Unavailability.

SERVICE CREDITS:                 Should IBM fail to meet the agreed MSL, Certegy
                                 will receive Service Credits that will be based
                                 on the duration and frequency of individual
                                 outages on a monthly calendar basis as defined
                                 in the Service Credit Table C-2.

REPORTS:                         Daily by exception and weekly outage reports.

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.
</TABLE>

<TABLE>
<CAPTION>
                                                    PERFORMANCE STANDARD AND
          SERVICE CRITERIA                         MINIMUM SERVICE LEVEL (MSL)                         MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
Systems to be available at all times   MSL for an outage occurrence is ten (10) minutes or   Standard IBM reporting tools will
excluding Scheduled Downtime.          less Unavailability per event within the              identify start/end time of outage.
                                       Measurement Period.
                                                                                             The measurement is TBS Authorizations
                                       A Service Credit is due if an outage occurrence       System Availability in minutes and the
                                       exceeds ten (10) minutes of Unavailability in any     number of outage occurrences.
                                       Measurement Period.

                                       The target Performance Standard shall be one
                                       hundred percent (100%) in accordance with Full
                                       Functionality and extended Functionality
                                       definitions excluding Scheduled Downtime.
</TABLE>

                                                                   Page 18 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                    CHART C-9

                   BASE 2000 AUTHORIZATION SYSTEM AVAILABILITY

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             Maintain Host System Availability of the
                                 on-line Base 2000 Authorization system
                                 environment during the Service Periods set
                                 forth in this Chart C-9. An. Authorized User
                                 must be able to obtain current up-to-date
                                 information from files provided by Applications
                                 through the Authorized Users normal process.
                                 IBM shall provide to Certegy reports detailing
                                 IBM's performance against Performance Standards
                                 and Minimum Service Levels on a monthly
                                 calendar period basis. IBM shall, in
                                 coordination with Certegy's Base 2000
                                 Authorizations System Support Group, provide
                                 7 x 24 support for abend resolution.

SERVICE PERIODS:                 The Service Period and Measurement Period are
                                 considered to be all times other than the
                                 Schedule Downtime.

                                 Sunday thru Saturday - 24 x 7 Availability

ENVIRONMENT DESCRIPTION:         Historically Base2000 Authorizations System
                                 Availability Performance Standard and Minimum
                                 Service Level attainment has been reported by
                                 individual regions and as a combined measure.
                                 Outages are tracked by documenting the Base2000
                                 Authorizations System Unavailability, including
                                 outage duration, cause code resolution and some
                                 Authorized Users verification. The associated
                                 on-line system tools shall be operational
                                 during Base2000 Authorizations System Service
                                 Periods. Any downtime (excluding Scheduled
                                 Downtime) for more than ten (10) minutes
                                 constitutes Unavailability.

SERVICE CREDITS:                 Should IBM fail to meet the agreed MSL, Certegy
                                 will receive Service Credits that will be based
                                 on the duration and frequency of individual
                                 outages on a monthly calendar basis as defined
                                 in the Service Credit Table C-2.

REPORTS:                         Daily by exception and weekly outage reports.

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will he implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.
</TABLE>

<TABLE>
<CAPTION>
                                                    PERFORMANCE STANDARD AND
          SERVICE CRITERIA                         MINIMUM SERVICE LEVEL (MSL)                          MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
Systems to be available at all times   MSL for an outage occurrence is ten (10) minutes or   Standard IBM reporting tools will
excluding Scheduled Downtime.          less Unavailability per event within the              identify start/end time of outage.
                                       Measurement Period.
                                                                                             The measurement is Base 2000
                                       A Service Credit is due if an outage occurrence       Authorizations System Availability in
                                       exceeds ten (10) minutes of Unavailability in any     minutes and the number of outage
                                       Measurement Period.                                   occurrences.

                                       The target Performance Standard shall be one
                                       hundred percent (100%) in accordance with Full
                                       Functionality and extended Functionality
                                       definitions excluding Scheduled Downtime.
</TABLE>

                                                                   Page 19 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                   CHART C-10

               TBS SERVICE LINK SYSTEM AVAILABILITY ST. PETERSBURG

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             Maintain Host System Availability of the TBS
                                 Service Link Subsystem environment during the
                                 Service Periods set forth in this Chart C-10.
                                 An Authorized User must be able to obtain
                                 current up-to-date information from files
                                 provided by Applications through the Authorized
                                 Users normal process. IBM shall provide to
                                 Certegy reports detailing IBM's performance
                                 against Performance Standards and Minimum
                                 Service Levels on a monthly calendar period
                                 basis. IBM shall, in coordination with TBS
                                 Certegy's Service Link Subsystem Support Group,
                                 provide 7 x 24 support for abend resolution.

SERVICE PERIODS:                 The Service Period and Measurement Period are
                                 considered to be all times other than the
                                 Schedule Downtime.

                                 Sunday thru Saturday-24 x 7 Availability

ENVIRONMENT DESCRIPTION:         Historically the TBS Service Link System
                                 Availability Performance Standard and Minimum
                                 Service Level attainment has been reported by
                                 individual regions and as a combined measure.
                                 Outages are tracked by documenting the TBS
                                 Service Link System Unavailability, including
                                 outage duration, cause code resolution and some
                                 Authorized Users verification. The associated
                                 on-line system tools shall be operational
                                 during TBS Service Link System Service Periods.
                                 Any downtime (excluding Scheduled Downtime) for
                                 more than ten (10) minutes constitutes
                                 Unavailability.

SERVICE CREDITS:                 Should IBM fail to meet the agreed MSL, Certegy
                                 will receive Service Credits that will be based
                                 on the duration and frequency of individual
                                 outages on a monthly calendar basis as defined
                                 in the Service Credit Table C-1.

REPORTS:                         Daily by exception and weekly outage reports.

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.
</TABLE>

<TABLE>
<CAPTION>
                                                    PERFORMANCE STANDARD AND
          SERVICE CRITERIA                         MINIMUM SERVICE LEVEL (MSL)                          MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
Systems to be available at all times   MSL for an outage occurrence is ten (10) minutes or   Standard IBM reporting tools will
excluding Scheduled Downtime.          less Unavailability per event within the              identify start/end time of outage.
                                       Measurement Period.

                                       A Service Credit is due if an outage occurrence       The measurement is The TBS Service Link
                                       exceeds ten (10) minutes of Unavailability in any     Subsystem Availability in minutes and
                                       Measurement Period.                                   the number of outage occurrences.

                                       The target Performance Standard shall be one
                                       hundred percent (100%) in accordance with Full
                                       Functionality and extended Functionality
                                       definitions excluding Scheduled Downtime.
</TABLE>

                                                                   Page 20 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                   CHART C-11

                  TBS SERVICE LINK SYSTEM AVAILABILITY MADISON

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             Maintain Host System Availability of the TBS
                                 Service Link Subsystem environment during the
                                 Service Periods set forth in this Chart C-11.
                                 An Authorized User must be able to obtain
                                 current up-to-date information from files
                                 provided by Applications through the Authorized
                                 Users normal process. IBM shall provide to
                                 Certegy reports detailing IBM's performance
                                 against Performance Standards and Minimum
                                 Service Levels on a monthly calendar period
                                 basis. IBM shall, in coordination with TBS
                                 Certegy's Service Link Subsystem Support Group,
                                 provide 7 x 24 support for abend resolution.

SERVICE PERIODS:                 The Service Period and Measurement Period are
                                 considered to be all times other than the
                                 Schedule Downtime.

                                 Sunday thru Saturday - 24 x 7 Availability

ENVIRONMENT DESCRIPTION:         Historically the TBS Service Link System
                                 Availability Performance Standard and Minimum
                                 Service Level attainment has been reported by
                                 individual regions and as a combined measure.
                                 Outages are tracked by documenting the TBS
                                 Service Link System Unavailability, including
                                 outage duration, cause code resolution and some
                                 Authorized Users verification. The associated
                                 on-line system tools shall be operational
                                 during TBS Service Link System Service Periods.
                                 Any downtime (excluding Scheduled Downtime) for
                                 more than ten (10) minutes constitutes
                                 Unavailability.

SERVICE CREDITS:                 Should IBM fail to meet the agreed MSL, Certegy
                                 will receive Service Credits that will be based
                                 on the duration and frequency of individual
                                 outages on a monthly calendar basis as defined
                                 in the Service Credit Table C-1.

REPORTS:                         Daily by exception and weekly outage reports.

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.
</TABLE>

<TABLE>
<CAPTION>
                                                     PERFORMANCE STANDARD AND
          SERVICE CRITERIA                         MINIMUM SERVICE LEVEL (MSL)                         MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
Systems to be available at all times   MSL for an outage occurrence is ten (10) minutes or   Standard IBM reporting tools will
excluding Scheduled Downtime.          less Unavailability per event within the              identify start/end time of outage.
                                       Measurement Period.

                                       A Service Credit is due if an outage occurrence       The measurement is The TBS Service Link
                                       exceeds ten (10) minutes of Unavailability in any     Subsystem Availability in minutes and
                                       Measurement Period.                                   the number of outage occurrences.

                                       The target Performance Standard shall be one
                                       hundred percent (100%) in accordance with Full
                                       Functionality and extended Functionality
                                       definitions excluding Scheduled Downtime.
</TABLE>

                                                                   Page 21 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                   CHART C-12

                   BASE 2000 SERVICE LINK SYSTEM AVAILABILITY

SERVICE DESCRIPTION:             Maintain Host System Availability of the Base
                                 2000 Service Link Subsystem environment during
                                 the Service Periods set forth in this Chart
                                 C-12. An Authorized User must be able to obtain
                                 current up-to-date information from files
                                 provided by Applications through the Authorized
                                 Users normal process. IBM shall provide to
                                 Certegy reports detailing IBM's performance
                                 against Performance Standards and Minimum
                                 Service Levels on a monthly calendar period
                                 basis. IBM shall, in coordination with Base
                                 2000 Certegy's Service Link Subsystem Support
                                 Group, provide 7 x 24 support for abend
                                 resolution.

SERVICE PERIODS:                 The Service Period and Measurement Period are
                                 considered to be all times other than the
                                 Schedule Downtime.

                                 Sunday thru Saturday - 24 x 7 Availability

ENVIRONMENT DESCRIPTION:         Historically the Base 2000 Service Link System
                                 Availability Performance Standard and Minimum
                                 Service Level attainment has been reported by
                                 individual regions and as a combined measure.
                                 Outages are tracked by documenting the Base
                                 2000 Service Link System Unavailability,
                                 including outage duration, cause code
                                 resolution and some Authorized Users
                                 verification. The associated on-line system
                                 tools shall be operational during Base 2000
                                 Service Link System Service Periods. Any
                                 downtime (excluding Scheduled Downtime) for
                                 more than ten (10) minutes constitutes
                                 Unavailability.

SERVICE CREDITS:                 Should IBM fail to meet the agreed MSL, Certegy
                                 will receive Service Credits that will be based
                                 on the duration and frequency of individual
                                 outages on a monthly calendar basis as defined
                                 in the Service Credit Table C-1.

REPORTS:                         Daily by exception and weekly outage reports.

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.

<TABLE>
<CAPTION>
                                                     PERFORMANCE STANDARD AND
          SERVICE CRITERIA                         MINIMUM SERVICE LEVEL (MSL)                          MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
Systems to be available at all times   MSL for an outage occurrence is ten (10) minutes or   Standard IBM reporting tools will
excluding Scheduled Downtime.          less Unavailability per event within the              identify start/end time of outage.
                                       Measurement Period.

                                       A Service Credit is due if an outage occurrence       The measurement is The Base 2000
                                       exceeds ten (10) minutes of Unavailability in any     Service Link Subsystem Availability in
                                       Measurement Period.                                   minutes and the number of outage
                                                                                             occurrences.

                                       The target Performance Standard shall be one
                                       hundred percent (100%) in accordance with Full
                                       Functionality and extended Functionality
                                       definitions excluding Scheduled Downtime.
</TABLE>

                                                                   Page 22 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                   CHART C-13

                           FALCON SYSTEM AVAILABILITY

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             Maintain Host System Availability of the Falcon
                                 System environment during the Service Periods
                                 set forth in this Chart C-13. An Authorized
                                 User must be able to obtain current up-to-date
                                 information from files provided by Applications
                                 through the Authorized Users normal process.
                                 IBM shall provide to Certegy reports detailing
                                 IBM's performance against Performance Standards
                                 and Minimum Service Levels on a monthly
                                 calendar period basis. IBM shall, in
                                 coordination with Certegy's Falcon System
                                 Support Group, provide 7 x 24 support for abend
                                 resolution.

SERVICE PERIODS:                 The Service Period and Measurement Period are
                                 considered to be all times other than the
                                 Schedule Downtime.

                                 Sunday thru Saturday - 24 x 7 Availability

ENVIRONMENT DESCRIPTION:         Historically the Falcon System Availability
                                 Performance Standard and Minimum Service Level
                                 attainment has been reported by individual
                                 regions and as a combined measure. Outages are
                                 tracked by documenting the Falcon System
                                 Unavailability, including outage duration,
                                 cause code resolution and some Authorized Users
                                 verification. The associated on-line system
                                 tools shall be operational during Falcon System
                                 Service Periods. Any downtime {excluding
                                 Scheduled Downtime) for more than ten (10)
                                 minutes constitutes Unavailability.

SERVICE CREDITS:                 Should IBM fail to meet the agreed MSL, Certegy
                                 will receive Service Credits that will be based
                                 on the duration and frequency of individual
                                 outages on a monthly calendar basis as defined
                                 in the Service Credit Table C-1.

REPORTS:                         Daily by exception and weekly outage reports.

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.
</TABLE>

<TABLE>
<CAPTION>
                                                    PERFORMANCE STANDARD AND
          SERVICE CRITERIA                         MINIMUM SERVICE LEVEL (MSL)                          MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
Systems to be available at all times   MSL for an outage occurrence is ten (10) minutes or   Standard IBM reporting tools will
excluding Scheduled Downtime.          less Unavailability per event within the              identify start/end time of outage.
                                       Measurement Period.
                                                                                             The measurement is The Falcon System
                                       A Service Credit is due if an outage occurrence       Availability in minutes and the number
                                       exceeds ten (10) minutes of Unavailability in any     of outage occurrences.
                                       Measurement Period.

                                       The target Performance Standard shall be one
                                       hundred percent (100%) in accordance with Full
                                       Functionality and extended Functionality
                                       definitions excluding Scheduled Downtime.
</TABLE>

                                                                   Page 23 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                   CHART C-14

   P2CICSA REGION SYSTEM AVAILABILITY FOR SCORECARD, PASSTHRU AND LETTERCHECK

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             Maintain Host System Availability of the
                                 P2CICSA Region that supports the
                                 Scorecard, Pass Thru and Lettercheck
                                 environments during the Service Periods set
                                 forth in this Chart C-14. An Authorized User
                                 must be able to obtain current up-to-date
                                 information from files provided by Applications
                                 through the Authorized Users normal process.
                                 IBM shall provide to Certegy reports detailing
                                 IBM's performance against Performance Standards
                                 and Minimum Service Levels on a monthly
                                 calendar period basis. IBM shall, in
                                 coordination with Certegy's System Support
                                 Group, provide 7 x 24 support for abend
                                 resolution.

SERVICE PERIODS:                 The Service Period and Measurement Period are
                                 considered to be all times other than the
                                 Schedule Downtime.

ENVIRONMENT DESCRIPTION:         Historically the P2CICSA Region Availability
                                 Performance Standard and Minimum Service Level
                                 attainment has been reported by individual
                                 region Outages are tracked by documenting the
                                 P2CICSA Region Unavailability, including outage
                                 duration, cause code resolution and some
                                 Authorized Users verification. The associated
                                 on-line system tools shall be operational
                                 during P2CICSA Region Service Periods. Any
                                 downtime (excluding Scheduled Downtime) for
                                 more than ten (10) minutes constitutes
                                 Unavailability.

SERVICE CREDITS:                 Should IBM fail to meet the agreed MSL, Certegy
                                 will receive Service Credits that will be based
                                 on the duration and frequency of individual
                                 outages on a monthly calendar basis as defined
                                 in the Service Credit Table C-1.

REPORTS:                         Daily by exception and weekly outage reports.

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.
</TABLE>

<TABLE>
<CAPTION>
                                                    PERFORMANCE STANDARD AND
          SERVICE CRITERIA                         MINIMUM SERVICE LEVEL (MSL)                          MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
Systems to be available at all times   MSL for an outage occurrence is ten (10) minutes or   Standard IBM reporting tools will
excluding Scheduled Downtime.          less Unavailability per event within the              identify start/end time of outage.
                                       Measurement Period.
                                                                                             The measurement is P2CICSA Region
                                       A Service Credit is due if an outage occurrence       Availability in minutes and the number
                                       exceeds ten (10) minutes of Unavailability in any     of outage occurrences.
                                       Measurement Period.

                                       The target Performance Standard shall be one
                                       hundred percent (100%) in accordance with Full
                                       Functionality and extended Functionality
                                       definitions excluding Scheduled Downtime.
</TABLE>

                                                                   Page 24 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                   CHART C-15

                          MERCHANT SYSTEM AVAILABILITY

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             Maintain Host System Availability of the
                                 on-line Merchant system environment during the
                                 Service Periods set forth in this Chart C-15.
                                 An Authorized User must be able to obtain
                                 current up-to-date information from files
                                 provided by Applications through the Authorized
                                 Users normal process. IBM shall provide to
                                 Certegy reports detailing IBM's performance
                                 against Performance Standards and Minimum
                                 Service Levels on a monthly calendar period
                                 basis. IBM shall, in coordination with
                                 Certegy's Merchant System Support Group,
                                 provide 7 x 24 support for abend resolution.

SERVICE PERIODS:                 The Service Period is considered to be all
                                 times other than the Schedule Downtime.
                                 Sunday thru Saturday - 24 x 7 Availability.

                                 Measurement Period 0700 (EST) - 2000 (EST)
                                 Sunday- Saturday.

ENVIRONMENT DESCRIPTION:         Historically the Merchant System Availability
                                 Performance Standard and Minimum Service Level
                                 attainment has been reported by individual
                                 regions and as a combined measure. Outages are
                                 tracked by documenting the Merchant System
                                 Unavailability, including outage duration,
                                 cause code resolution and some Authorized Users
                                 verification. The associated on-line system
                                 tools shall be operational during Merchant
                                 System Service Periods. Any downtime (excluding
                                 Scheduled Downtime) for more than ten (10)
                                 minutes constitutes Unavailability.

SERVICE CREDITS:                 Should IBM fail to meet the agreed MSL, Certegy
                                 will receive Service Credits that will be based
                                 on the duration and frequency of individual
                                 outages on a monthly calendar basis as defined
                                 in the Service Credit Table C-1.

REPORTS:                         Daily by exception and weekly outage reports.

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.
</TABLE>

<TABLE>
<CAPTION>
                                                    PERFORMANCE STANDARD AND
          SERVICE CRITERIA                         MINIMUM SERVICE LEVEL (MSL)                          MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
Systems to be available at all times   MSL for an outage occurrence is ten (10) minutes or   Standard IBM reporting tools will
excluding Scheduled Downtime.          less Unavailability per event within the              identify start/end time of outage.
                                       Measurement Period.

                                       A Service Credit is due if an outage occurrence       The measurement is The Merchant System
                                       exceeds ten (10) minutes of Unavailability in any     Availability in minutes and the number
                                       Measurement Period,                                   of outage occurrences.

                                       The target Performance Standard shall be one
                                       hundred percent (100%) excluding Scheduled
                                       Downtime,
</TABLE>

                                                                   Page 25 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                   CHART C-16

                            OUTBOUND CARDSOURCE FILES

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             Cardsource file transmissions transmitted back
                                 to Authorized Users completed by 0600 (EST)
                                 Monday through Saturday. IBM shall, in
                                 coordination with Certegy's Cardsource System
                                 Support Group, provide 7 X 24 support for abend
                                 resolution. Further, IBM shall provide to
                                 Certegy reports detailing IBM' performance
                                 against Performance Standards and Minimum
                                 Service Levels on a monthly calendar period.

SERVICE PERIODS:                 Transmissions out period - completed by 0600
                                 (EST) Monday through Saturday.

ENVIRONMENT DESCRIPTION:

SERVICE CREDITS:                 Upon any breach of the CardSource MSL, Certegy
                                 will receive Service Credits that will be based
                                 on the duration and frequency of outages on a
                                 monthly calendar basis as defined in the
                                 Service Credit Table C-5. The Service Credit
                                 amount is a percentage of the total Monthly
                                 Charge.

REPORTS:                         IBM will provide reports on a monthly basis.

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.
</TABLE>

<TABLE>
<CAPTION>
                                                    PERFORMANCE STANDARD AND
          SERVICE CRITERIA                           MINIMUM SERVICE LEVEL                              MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
Availability to transmit files back    MSL is for s transmits out to Authorized Users by     The measurement will be Card-Source
to customers by IBM out by 0600        0600 (EST) 99% of the time identified in the          System Availability by IBM to transmit
(EST) Monday through Saturday          Service Periods.                                      Cardsource files back to customers with
                                                                                             a completion time of 0600 (EST), Card-
                                       Performance Standard shall be one hundred percent     Source reporting identities completion
                                       (100%) of the transmissions-out are completed         of Availability for completion of
                                       within the Service Periods.                           out-bound transmissions by 0600 (EST).
</TABLE>

                                                                   Page 26 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                CHART C-17 PART 1

                               MONETARY SOLUTIONS

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             The following are Critical Processes and agreed
                                 targets that must be met in order to meet other
                                 requirements.

SERVICE PERIODS:                 The Service Period is considered to be all
                                 times in EST other than the Schedule Downtime,

CRITICAL PROCESSES SCHEDULE      The critical processes are listed in Part 2 of
OF DELIVERY                      Chart C-17. The critical processes for which
                                 the Minimum Service Level is applicable are
                                 those with a defined priority in Part 2 of
                                 Chart C-17 having defined service delivery
                                 targets and a defined days of the week for
                                 which the MSL is applicable.

SERVICE CREDITS:                 Should IBM fail to meet the agreed MSL, Certegy
                                 will receive Service Credits that will be based
                                 on the fact that a Service Level was missed
                                 based on the Priority 1 Levels as defined in
                                 the Service Credit Table C-3. The Service
                                 Credit amount is a percentage of the Monthly
                                 Charge.

REPORTS:                         IBM will provide reports on a daily, monthly
                                 and quarterly basis by exception.

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.
</TABLE>

<TABLE>
<CAPTION>
                                                    PERFORMANCE STANDARD AND
          SERVICE CRITERIA                         MINIMUM SERVICE LEVEL (MSL)                          MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
The service hours described in Chart   If a Service Level is missed for non-delivery of      Mainframe reporting can identify
C-17 Part 2 for the timely             Critical Processes during the Measurement Period      delivery completion times. Until such
completion of the Critical Processes   then a Service Credit is due for those with a         time that the reporting is automated
within the stated time frames.         Priority of 1.                                        for all Critical Processes, manual
                                                                                             tracking will be utilized.

                                                                                             The measurement is based on missing the
                                                                                             specific Service Level and the number
                                                                                             of occurrences the Service Level was
                                                                                             missed during a calendar month.
</TABLE>

                                                                   Page 27 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                CHART C-17 PART 2
                            CRITICAL SYSTEM PROCESSES
                               MONETARY SOLUTIONS

<TABLE>
<CAPTION>
      DESCRIPTION             SERVICE REQUIREMENT          TARGET SERVICE LEVEL       DAYS PER WEEK    PRIORITY
------------------------   -------------------------   ---------------------------   ---------------   --------
<C>                        <C>                         <C>                           <C>               <C>
1.0  Beginning of day      Started by 6:00 AM EST      100%                          Monday - Sunday   1
     processes. Jobs       Sets dates for the daily
     DP201011,             cycle and clears daily
     DP311111,             totals. Builds data
     DP311011,             routing files.
     NS200001,
     NS200101,
     NS200201

2.0 Incoming MasterCard    Started by 11:00 AM         100%                          Monday - Sunday   1
and Visa process.          EST for NS208001,
Jobs NS208001,             NS258101, NS266001
NS258101, NS266001,        8:00 - 9:00 AM EST for
NS210001                   NS210001

3.0 Early Distribution     Started by 10:00 AM                                       Monday - Friday   1
Job TE210001               EST
                           Must run before early
                           settlement runs

4.0 Final Closeout         Started by 8:00 PM EST      All remaining deposit         Monday - Friday   1
job DP220014               Job currently feeds         files processed for the day
                           processes to the TBS        outside of the early
                           cardholder system.          settlement files will be
                                                       processed here. Final
                                                       cutoff time for deliver to
                                                       make final closeout is
                                                       6:00 PM EST excluding
                                                       on line processes which
                                                       are shutdown at 7:00 PM
                                                       EST

5.0 Late Distribution      Start by 8:00 PM EST        Will contain all deposits     Sunday - Friday   1
job TE210001               job feeds settlement data   processed by distribution
                           to the late settlement      that were not processed
                           process                     by the early distribution
                                                       run.

6.0 Outgoing MasterCard    Outbound files              100%                          Sunday - Monday   1
and Visa transmissions     transmitted to
Jobs DP230111,             MasterCard and Visa
NS232001, NS274001,        window by 4:00 AM
NS28700I, NS241001         EST

7.0 Set Process day for    Started by 8:00 PM EST      100%                          Monday - Friday   1
merchant.
Jobs MR200001,
</TABLE>

                                                                   Page 28 of 43

<PAGE>

<TABLE>
<CAPTION>
      DESCRIPTION             SERVICE REQUIREMENT          TARGET SERVICE LEVEL       DAYS PER WEEK    PRIORITY
------------------------   -------------------------   ---------------------------   ---------------   --------
<C>                        <C>                         <C>                           <C>               <C>
MS200001

8.0.0 Merchant Batch       Completed by 0400           100%                          Monday - Friday   1
processing complete
Monthly MS522001,
MR501001
Daily MS256101

9.0 Set processing date    Started by 0600 AM EST      100%                          Monday - Friday   1
for Chargeback system
CB200001

10.0 Chargeback            Started by 7:00 PM EST      Creates outgoing              Monday - Friday   1
Processing                                             chargebacks and retrievals
Outgoing                                               to send to MasterCard and
CB206001                                               Visa
</TABLE>

                                                                   Page 29 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                CHART C-18 PART I

                   TBS AND BASE2000 ST. PETERSBURG AND MADISON

SERVICE DESCRIPTION:             The following are Critical Processes for TBS
                                 for St. Petersburg and Madison as well as
                                 Base2000 and agreed targets that must be met in
                                 order to meet other requirements.

SERVICE PERIODS:                 The Service Period is considered to be all
                                 times in EST other than the Schedule Downtime.

CRITICAL PROCESSES SCHEDULE      The critical processes are listed in Part 2, 3,
OF DELIVERY                      and 4 of Chart C-18. The critical processes for
                                 which the Minimum Service Level is applicable
                                 are those with a defined priority in Part 2, 3,
                                 and 4 of Chart C-18 having defined service
                                 delivery targets and a defined days of the week
                                 for which the MSL is applicable.

SERVICE CREDITS:                 Should IBM fail to meet the agreed MSL, Certegy
                                 will receive Service Credits that will be based
                                 on the fact that a Service Level was missed
                                 based on the Priority 1 Levels as defined in
                                 the Service Credit Table C-3.. Each Critical
                                 Process is associated with both TBS and
                                 Base2000. Therefore, there will be a separate
                                 Critical Process SLA for TBS and a Critical
                                 Process SLA for Base2000. Therefore, a Service
                                 Credit could be due for both a TBS Critical
                                 Process and a Base2000 Critical Process. The
                                 Service Credit amount is a percentage of the
                                 Monthly Charge.

REPORTS:                         IBM will provide reports on a daily, monthly
                                 and quarterly basis by exception.

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.

<TABLE>
<CAPTION>
                                                    PERFORMANCE STANDARD AND
          SERVICE CRITERIA                         MINIMUM SERVICE LEVEL (MSL)                          MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
The service hours described in Chart   If a Service Level is missed for non-delivery of      Mainframe reporting can identify
C-18 Part 2, 3, and 4 for the timely   Priority 1 Critical Processes during the              delivery completion times. Until such
completion of the Critical Processes   Measurement Period then a Service Credit is due.      time that the reporting is automated
within the stated time frames.                                                               for all Critical Processes, manual
                                                                                             tracking will be utilized.

                                                                                             The measurement is based on missing the
                                                                                             specific Service Level and the number
                                                                                             of occurrences the Service Level was
                                                                                             missed during a calendar month.
</TABLE>

                                                                   Page 30 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                CHART C-18 PART 2
                            CRITICAL SYSTEM PROCESSES
                  ST. PETERSBURG AND MADISON (TBS, TCS AND B2K)

<TABLE>
<CAPTION>
                                                                                                   DAYS
             DESCRIPTION                   SERVICE REQUIREMENT        TARGET SERVICE LEVEL       PER WEEK    PRIORITY
-------------------------------------   ------------------------   -------------------------   -----------   --------
<S>                                     <C>                        <C>                         <C>           <C>
1.0 Referesh of Authorization           Completed by 0600          100%                        Monday-           1
Inquiry File (BAI) as part of           EST                                                    Saturday
nightly batch processing                                           excluding scheduled
                                        File open, available,      downtime
                                        and current

2.0 Reports/Statement/Letters/Notices   All updated report         99% - by 0700 EST           Nights that       2
from nightly batch processing           files available for                                    run batch
available for online viewing            viewing by 0700 EST        100%-by 1000 EST            (Sunday-
and/or printing (except                                                                        Friday)
Collections reports)

3.0 Embossing Files Available -         Embossing Files sent       100% by 0700 EST            Monday-           2
Daily, Priority, & Reissue              to Card Issuance                                       Saturday
Production Files                        Group by 0700 EST

4.0 Complete Poster in all              Completed by 2400          100%                        Nights that       1
Segments                                EST                                                    run batch
                                                                                               (Sunday-
CP217000 thru CP217009                                                                         Friday)
CP217040 thru CP217043

5.0 IB Billing System Batch             Billing Files must be      99% - by 0700 EST           6Nights           2
Completion                              updated with results                                   that run
                                        from previous night        100%-by 1100 EST            batch
                                        processing at month                                    (Sunday-
                                        end so that files can be                               Friday)
                                        used by Accounting
                                        for Integrated Billing
                                        Functions

6.0 Online availability - screen        Average 0.2 seconds        96% of user initiated       7                 2
delay/response time (all online         internal host response     transactions
systems)                                time, not end to end
                                        response time

7.0 Card Activation Subsystem           Availability of Card       100% except for scheduled   7                 1
(Bank-Card and Pass Thru)               Activation to activate     downtime
                                        cardholder account
                                        plastics along with
                                        corresponding update
                                        to TBS

8.0 Collection Letters - files          All files complete and     98% - by 0800 EST           Nights that       2
</TABLE>

                                                                   Page 31 of 43

<PAGE>

<TABLE>
<CAPTION>
                                                                                                   DAYS
             DESCRIPTION                   SERVICE REQUIREMENT        TARGET SERVICE LEVEL       PER WEEK    PRIORITY
-------------------------------------   ------------------------   -------------------------   -----------   --------
<S>                                     <C>                        <C>                         <C>           <C>
available for printing and mailing      available to Production                                run batch
                                        Services for printing      100% - by 1100 EST          (Sunday-
                                        and mailing functions by                               Friday)
                                        0800 EST

9.0 Online Viewing of Collections       All Collection report      98% - by 0800 EST           7                 2
Reports                                 flies available for
                                        viewing in online          100% - by 1000 EST
                                        environment by 0800 EST

10.0 Outgoing Collection Dialer         Files will be available    99% - files will be         6 Nights          2
Files form Certegy to Clients           for transmission to        available for               that run
                                        clients by 0800 EST        transmission to clients     batch
                                                                   by 0800 EST                 (Sunday-
                                                                                               Friday)

                                                                   100% - files will be
                                                                   available for transmission
                                                                   to clients by 1100 EST
</TABLE>

                                                                   Page 32 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                CHART C-18 PART 3
                      CRITICAL SYSTEM PROCESSES - PASS THRU

<TABLE>
<CAPTION>
                                                                                                   DAYS
             DESCRIPTION                   SERVICE REQUIREMENT        TARGET SERVICE LEVEL       PER WEEK    PRIORITY
-------------------------------------   ------------------------   -------------------------   -----------   --------
<S>                                     <C>                        <C>                         <C>           <C>
1.0  Receive inbound PBF files and      Daily between 0600 -       Job runs under CA7 every          7           1
     load to Authnet                    2230                       2 hours

2.0  Load early CTF outbound files      Mon - Fri upon             Completed by 16:00 EST            5           1
     for Authorized Users               processing completion

3.0  Load late CTF outbound files for   Mon - Fri upon             Completed by 22:00 EST            5           2
     Authorized Users                   processing completion

4.0  Completion of nightly batch        Daily                      Completed by 06:00                7           1
     processing

5.0  Same day embossing completion      Mon - Fri                  Completed by 15:00                5           2
     Job PD25642
</TABLE>

                                                                   Page 33 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                   CHART C-19
                   ONLINE CLAIMS SYSTEM (P1CICSA) AVAILABILITY

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             Maintain Host System Availability of the
                                 on-line Claims System environment during the
                                 Service Periods set forth in this Chart C-19
                                 Service Periods. An Authorized User must be
                                 able to obtain current up-to-date information
                                 from Files provided by Applications through the
                                 Authorized Users normal process. IBM shall, in
                                 coordination with CERTEGY's Claims System
                                 Support Group, provide 7 X 24 support for abend
                                 resolution. Further, IBM shall provide to
                                 CERTEGY reports detailing IBM' performance
                                 against Performance Standards and Minimum
                                 Service Levels on a monthly calendar period.

SERVICE PERIODS:                 Sunday through Saturday - 19 hours per day
                                 Availability (excludes Scheduled Downtime)
                                 Measurement period - 0700 (EST) through 0200
                                 (EST).

ENVIRONMENT DESCRIPTION:         Historically, Claims System Availability
                                 Performance Standard and Minimum Service Level
                                 attainment has been reported by individual
                                 regions and as a combined measure. Outages are
                                 tracked by documenting the Claims System
                                 Unavailability, including outage duration,
                                 cause code resolution and some Authorized Users
                                 verification. Availability is measured by
                                 Actual Uptime and overall attainment of
                                 Performance Standards and Minimum Service
                                 Levels. The associated on-line systems tools
                                 shall be operational during Claims System
                                 Service Periods. Any downtime (excluding
                                 Scheduled Downtime) of an interconnecting
                                 region for more than ten (10) minutes or a
                                 delay of more than ten (10) minutes constitutes
                                 Unavailability.

SERVICE CREDITS:                 Upon any breach of the Claims System MSL,
                                 CERTEGY will receive Service Credits that will
                                 be based on the duration and frequency of
                                 outages on a monthly calendar basis as defined
                                 in the Service Credit Table C-1. The Service
                                 Credit amount is a percentage of the total
                                 Monthly Charge.

REPORTS:                         Daily outage by region (provided in morning
                                 problem report) Monthly roll-up

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.
</TABLE>

<TABLE>
<CAPTION>
                                                     PERFORMANCE STANDARD AND
          SERVICE CRITERIA                            MINIMUM SERVICE LEVEL                             MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
Sunday through Saturday-19 hours per   MSL for an outage occurrence is ten (10) minutes or   OPS MVS reporting identifies start/end
day (excludes Scheduled Downtime)      less of cumulative Unavailability during the          time of outage.
                                       Measurement Period. If an outage occurrence (a)
                                       exceeds ten (10) minutes of Unavailability in a
                                       day.

Measurement Period of Availability:    Performance Standard shall be one hundred percent     The measurement is Claims System
0700 - 0200 (EST) Mon - Sun            (100.00%) Availability excluding Scheduled Downtime   Availability in minutes and the number
                                                                                             of outage occurrences.
</TABLE>

                                                                   Page 34 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                   CHART C-20
            ONLINE ACCOUNTS RECEIVABLE SYSTEM (P4CICSA) AVAILABILITY

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             Maintain Host System Availability of the online
                                 Accounts Receivable System environment during
                                 the Service Periods set forth in this Chart
                                 C-20 Service Periods. An Authorized User must
                                 be able to obtain current up-to-date
                                 information from Files provided by Applications
                                 through the Authorized Users normal process.
                                 IBM shall, in coordination with CERTEGY's
                                 Accounts Receivable System Support Group,
                                 provide 7 X 24 support for abend resolution.
                                 Further, IBM shall provide to CERTEGY reports
                                 detailing IBM' performance against Performance
                                 Standards and Minimum Service Levels on a
                                 monthly calendar period. Ensure each region
                                 that comprises the Accounts Receivable System
                                 is available for all regions during the Service
                                 Period described below.

SERVICE PERIODS:                 Monday through Friday - 15 hours per day
                                 Availability (excludes Scheduled Downtime)
                                 Measurement period - 0700 (EST) through 2200
                                 (EST)

                                 Full Functionality period - 0700 to 2200 (EST)

ENVIRONMENT DESCRIPTION:         Historically, Accounts Receivable System
                                 Availability Performance Standard and Minimum
                                 Service Level attainment has been reported by
                                 individual regions and as a combined measure.
                                 Outages are tracked by documenting the Accounts
                                 Receivable System Unavailability, including
                                 outage duration, cause code resolution and some
                                 Authorized Users verification. Availability is
                                 measured by Actual Uptime and overall
                                 attainment of Performance Standards and Minimum
                                 Service Levels. The associated on-line systems
                                 tools shall be operational during Accounts
                                 Receivable System Service Periods. Any downtime
                                 (excluding Scheduled Downtime) of an
                                 interconnecting region for more than ten (10)
                                 minutes or a delay of more than ten (10)
                                 minutes in being available by 0700 (EST)
                                 constitutes Unavailability.

SERVICE CREDITS:                 Upon any breach of the Accounts Receivable
                                 System MSL, CERTEGY will receive Service
                                 Credits that will be based on the duration and
                                 frequency of outages on a monthly calendar
                                 basis as defined in the Service Credit Table
                                 C-1. The Service Credit amount is a percentage
                                 of the total Monthly Charge.

REPORTS:                         Daily outage by region (provided in morning
                                 problem report) Monthly roll-up

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.
</TABLE>

<TABLE>
<CAPTION>
                                                     PERFORMANCE STANDARD AND
          SERVICE CRITERIA                            MINIMUM SERVICE LEVEL                             MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
Monday through Friday - 15 hours per   MSL for an outage occurrence is ten (10) minutes or   OPS MVS reporting identifies start/end
day (excludes Scheduled Downtime)      less of cumulative Unavailability during the          time of outage.
                                       Measurement Period. If an outage occurrence (a)
                                       exceeds ten (10) minutes of Unavailability in a
                                       day.

Measurement Period of Availability:    Performance Standard shall be one hundred percent     The measurement is Accounts Receivable
0700 - 2200 (EST) Mon - Fri            (100.00%) Availability excluding Scheduled Downtime   System Availability in minutes and the
                                                                                             number of outage occurrences.
</TABLE>

                                                                   Page 35 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                   CHART C-21
                    ONLINE DIFS SYSTEM (P8CICSA) AVAILABILITY

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             Maintain Host System Availability of the online
                                 DIFS System environment during the Service
                                 Periods set forth in this Chart C-21 Service
                                 Periods. An Authorized User must be able to
                                 obtain current up-to-date information from
                                 Files provided by Applications through the
                                 Authorized Users normal process. This includes
                                 access to P8CICSA to obtain DIFS information.
                                 IBM shall, in coordination with CERTEGY's DIFS
                                 System Support Group, provide 7 X 24 support
                                 for abend resolution. Further, IBM shall
                                 provide to CERTEGY reports detailing IBM'
                                 performance against Performance Standards and
                                 Minimum Service Levels on a monthly calendar
                                 period. Ensure each region that comprises the
                                 DIFS System is available during the Service
                                 Period described below.

SERVICE PERIODS:                 Sunday through Saturday - 24 hours per day
                                 Availability (excludes Scheduled Downtime)
                                 Measurement period - 24 by 7.

ENVIRONMENT DESCRIPTION:         Historically, DIFS System Availability
                                 Performance Standard and Minimum Service Level
                                 attainment has been reported by individual
                                 regions and as a combined measure. Outages are
                                 tracked by documenting the DIFSs System
                                 Unavailability, including outage duration,
                                 cause code resolution and some Authorized Users
                                 verification. Availability is measured by
                                 Actual Uptime and overall attainment of
                                 Performance Standards and Minimum Service
                                 Levels. The associated on-line systems tools
                                 shall be operational during DIFS System Service
                                 Periods. Any downtime (excluding Scheduled
                                 Downtime) of an interconnecting region for more
                                 than ten (10) minutes or a delay of more than
                                 ten (10) minutes in being availability by 0700
                                 (EST) constitutes Unavailability.

SERVICE CREDITS:                 Upon any breach of the DIFS System MSL, CERTEGY
                                 will receive Service Credits that will be based
                                 on the duration and frequency of outages on a
                                 monthly calendar basis as defined in the
                                 Service Credit Table C-1. The Service Credit
                                 amount is a flat amount or a percentage of the
                                 total Monthly Charge.

REPORTS:                         Daily outage by region (provided in morning
                                 problem report) Monthly roll-up

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.
</TABLE>

<TABLE>
<CAPTION>
                                                   PERFORMANCE STANDARD AND
          SERVICE CRITERIA                          MINIMUM SERVICE LEVEL                              MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>

Sunday through Saturday-24 hours per   MSL for an outage occurrence is ten (10) minutes or   OPS MVS reporting identifies start/end
day (excludes Scheduled Downtime)      less of cumulative Unavailability during the          time of outage.
                                       Measurement Period. If an outage occurrence (a)
Measurement Period of Availability:    exceeds ten (10) minutes of Unavailability in a       The measurement is DIFS System
0700 - 0700 (EST) Mon - Sun            day.                                                  Availability in minutes and the number
                                                                                             of outage occurrences.
                                       Performance Standard shall be one hundred percent
                                       (100.00%) Availability excluding Scheduled Downtime
</TABLE>

                                                                   Page 36 of 43

<PAGE>

                                   CHART C-22

       CERTEGY CHECK SOLUTIONS (CCS) CRITICAL PROCESS COMPLETION SCHEDULE

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             The following are processes that generate
                                 output whether print files, data files etc.
                                 which have critical schedules which must be met
                                 in order to meet other requirements. IBM needs
                                 to meet these schedules and provide 7 X 24
                                 support for abend resolution coordinating with
                                 the Critical Processes Support, Further, IBM
                                 shall provide to CERTEGY reports detailing IBM'
                                 performance against Performance Standards and
                                 Minimum Service Levels on a monthly calendar
                                 period.

SERVICE PERIODS:                 The Service Period and Measurement Period is
                                 Sunday through Saturday 24-hours a day
                                 excluding mutually agreed upon scheduled
                                 down-time

CRITICAL PROCESSES SCHEDULE      CRITICAL PROCESSES                         COMPLETION SCHEDULE (EST)
OF DELIVERY                      ----------------------------------------   -------------------------
                                 Positive File Update                                 06:00
                                 Negative Center 1                                    06:00
                                 Negative Center 2                                    06:00
                                 Reports available for online viewing                 07:00
                                 Reports printed and microfiche available             07:00
                                 Claims update                                        06:00
                                 DIFS update                                          06:00
                                 Pathway update                                       06:00
                                 ILF log collect                                      03:00
                                 ILF online update                                    07:00

SERVICE CREDITS:                 Upon any breach of any of the CCS Critical
                                 Processes MSL, CERTEGY will receive Service
                                 Credits that will be based on the duration and
                                 frequency of outages on a monthly calendar
                                 basis as defined in the Service Credit Table
                                 C-3 as all the above Critical Processes are
                                 defined as Priority 1. The Service Credit
                                 amount is a percentage of the total Monthly
                                 Charge.

REPORTS:                         IBM will provide reports on a daily,
                                 monthly and quarterly basis.

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.
</TABLE>

<TABLE>
<CAPTION>
                                                   PERFORMANCE STANDARD AND
          SERVICE CRITERIA                          MINIMUM SERVICE LEVEL                              MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
The hours described above for the      MSL for an outage occurrence is sixty (60) minutes    OPS MVS reporting can identify delivery
timely completion of the Critical      or less of cumulative delivery delay per process      completion times. Until such time that
Processes within the stated time       during a day, delays are decremented by application   the reporting is automated for all
frames.                                support responses to calls and pages - if a           Critical Processes, manual tracking
                                       delivery delay exceeds sixty (60) minutes of non      will be utilized.
                                       delivery of Critical Processes during the
                                       Measurement Period, then a Service Credit is due.

                                       Performance Standard shall be delivery one hundred
                                       percent (100%) of the time on-time excluding
                                       Scheduled Downtime.
</TABLE>

                                                                   Page 37 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                   CHART C- 23

                             MQ SERIES AVAILABILITY

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             Maintain Host System Availability of the MQ
                                 Series environment during the Service Periods
                                 set forth in this Chart C-23. An Authorized
                                 User must be able to obtain current up-to-date
                                 information from files provided by Applications
                                 through, the Authorized Users normal process.
                                 IBM shall provide to Certegy reports detailing
                                 IBM's performance against Performance Standards
                                 and Minimum Service Levels on a monthly
                                 calendar period basis. IBM shall, in
                                 coordination with Certegy's MQ Series Support
                                 Group, provide 7 x 24 support for abend
                                 resolution.

SERVICE PERIODS:                 The Service Period and Measurement Period are
                                 considered to be all times other than the
                                 Schedule Downtime.

                                 Sunday thru Saturday - 24 x 7 Availability.

ENVIRONMENT DESCRIPTION:         Historically the MQ Series Availability
                                 Performance Standard and Minimum Service Level
                                 attainment has been reported by individual
                                 regions and as a combined measure. Outages are
                                 tracked by documenting the MQ Series System
                                 Unavailability, including outage duration,
                                 cause code resolution and some Authorized Users
                                 verification. The associated on-line system
                                 tools shall be operational during the MQ Series
                                 System Service Periods. Any downtime (excluding
                                 Scheduled Downtime) for more than ten (10)
                                 minutes constitutes Unavailability

SERVICE CREDITS:                 Should IBM fail to meet the agreed MSL, Certegy
                                 will receive Service Credits that will be based
                                 on the duration and frequency of individual
                                 outages on a monthly calendar basis as defined
                                 in the Service Credit Table C-1.

REPORTS:                         Daily by exception and weekly outage reports.

IMPLEMENTATION CRITERIA:         The Performance Standards and Minimum Service
                                 Levels will be implemented and effective as of
                                 the Commencement Date subject to Section 6 of
                                 this Schedule S.
</TABLE>

<TABLE>
<CAPTION>
                                                   PERFORMANCE STANDARD AND
          SERVICE CRITERIA                        MINIMUM SERVICE LEVEL (MSL)                          MEASUREMENT METHOD
------------------------------------   ---------------------------------------------------   ---------------------------------------
<S>                                    <C>                                                   <C>
Systems to be available at all times   MSL for an outage occurrence is ten (10) minutes or   Standard IBM reporting tools will
excluding Scheduled Downtime.          less Unavailability per event within the              identify start/end time of outage.
                                       Measurement Period.
                                                                                             The measurement is the MQ Series System
                                       A Service Credit is due if an outage occurrence       Availability in minutes and the number
                                       exceeds ten (10) minutes of Unavailability in any     of outage occurrences.
                                       Measurement Period

                                       The target Performance Standard shall be one
                                       hundred percent (100%) excluding Scheduled
                                       Downtime.
</TABLE>

                                                                   Page 38 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                   CHART C-24

                               HELP DESK SERVICES

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             The Help Desk service provides technical
                                 assistance and is the 1st contact point for
                                 internal and external customers. IBM will staff
                                 the Help Desk to provide assistance and resolve
                                 1st and 2nd level support items and direct to
                                 appropriate next level support staff. Further,
                                 IBM will provide to Certegy reports detailing
                                 Vendor's performance against Performance
                                 Standards and Minimum Service Levels on a
                                 monthly calendar period.

SERVICE PERIODS:                 Monday through Sunday - 24 hours per day
                                 Availability 7 days per week

SERVICE ENVIRONMENT:

SERVICE CREDITS:                 Service Credits for Help Desk services are
                                 noted below if applicable.

REPORTS:                         IBM will provide reports on a daily, monthly
                                 and quarterly basis.
</TABLE>

<TABLE>
<CAPTION>
                            MINIMUM
       SERVICE              SERVICE
     DESCRIPTION            LEVELS                         SERVICE GOAL DESCRIPTION                            SERVICE CREDIT
------------------------------------------------------------------------------------------------------------------------------------
<S>                    <C>                <C>                                                           <C>
Average Speed          95% of the time.   Help desk calls will be answered by a Vendor
Answered                                  representative within an average of one minute.
                                          Performance will be measured monthly.

Average Wait Time      95% of the time    The average wait time for calls coming into the help desk
                                          will not exceed three (3) minutes.

Average Time to        95% of the time    The average time for an end user to wait before hanging up
Abandon                                   while waiting for the help desk to respond to the call is
                                          less than or equal to two (2 minutes)

Level 1 Resolution     95% of the time.   Help Desk will provide Level 1 resolution to end users
                                          problems within average call time of 3 minutes.

Average Call Abandon   Less than 8%.      Percentage of calls in which the End user hung up without
Rate                                      an answer, excluding those abandoned by end user in less
                                          than thirty (30) seconds.

Customer               10% of users.      Help Desk users contacted each quarter to determine end
Satisfaction Surveys                      user satisfaction with the Services received.

Average Call Time      (3 Minutes         Vendor call handling time is not to exceed 3 minutes

Customer               90% of Surveyed    End users that rate overall Service support as 4 or 5 on a
Satisfaction Results   end users.         scale of 1-5 with 5 being excellent.
</TABLE>

                                                                   Page 39 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                   CHART C-25

                                DESKTOP SERVICES

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             The Desktop staff provides assistance to end
                                 users with Break/Fix of PCs, assistance with
                                 workstation software, IMACs, asset management
                                 and other services applicable to Madison and
                                 St. Petersburg only. IBM needs to staff the
                                 desktop unit to continue to provide these
                                 services. Further, IBM shall provide to Certegy
                                 reports detailing Vendor's performance against
                                 Performance Standards and Minimum Service
                                 Levels on a monthly calendar period.

SERVICE PERIODS:                 Monday through Sunday - 24 hours per day
                                 Availability

                                 On-site Desktop Staff - 0700 to 1900 (EST) Mon
                                 through Fri

                                 On-call for all times other than on-site time.

SERVICE ENVIRONMENT

SERVICE CREDITS:                 The desktop services will be measured based on
                                 the response time and resolution time of
                                 problem situations and timing of installations.

                                 Severity Level definitions will be mutually
                                 agreed to and documented in the Procedures
                                 Manual.

                                 DESKTOP RESPONSETIME
                                    Severity 1           10 min.            95%
                                    Severity 2            2 hrs.            99%
                                    Severity 3            4 hrs.            99%
                                    Severity 4            8 hrs.            99%

                                 RESOLUTION TIME
                                    Severity 1            2 hrs.            95%
                                    Severity 2            4 hrs.            99%
                                    Severity 3            8 hrs.            96%
                                       And within        24 hrs.           100%
                                    Severity 4           24 hrs.            90%
                                       And within        5 days            100%

                                 INSTALLATIONS COMPLETED
                                    Standard             Five Business
                                                         Days following
                                                         request            98%
                                    Specials/Emergency   Within 24 hours

IMACs Responsiveness             95% of the time. Non scheduled individual moves
                                 performed within five (5) business days
                                 following request, subject to environmental
                                 requirements and during Normal Service Hours.

REPORTS:                         Vendor will provide reports on a daily and
                                 monthly basis.

IMPLEMENTATION CRITERIA:
</TABLE>

<TABLE>
<CAPTION>
                              PERFORMANCE STANDARD AND
      SERVICE CRITERIA         MINIMUM SERVICE LEVEL      MEASUREMENT METHOD
---------------------------   -------------------------   -------------------
<S>                          <C>                          <C>

</TABLE>

                                                                   Page 40 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                                   CHART C-26

                        CERTEGY DEVELOPMENT ENVIRONMENTS

<TABLE>
<S>                              <C>
SERVICE DESCRIPTION:             Maintain Host System Availability of the
                                 Certegy development environments during the
                                 Service Periods set forth in this Chart C-26
                                 Service Periods.

SERVICE PERIODS:                 Monday through Friday - 13 hours a day
                                 excluding mutually agreed upon scheduled
                                 down-time

                                 Measurement period - 0700 (EST) through 2000
                                 (EST).

CRITICAL SERVICES        SERVICE              PERIOD         DAYS PER WEEK                         DELIVERABLES
                    -----------------   ------------------   -------------   -------------------------------------------------------
                    Initiators          0600 - 2000 (EST)    5 - Mon - Fri   1 Class 0 (TEL2)
                                                                             2 Class 1 (TEL2)
                                        Extended hours                       2 Class 5 (TEL2)
                                        may be needed for                    2 Class A (TEL2)
                                        problem resolution                   2 Class C (TEL2)
                                        and special batch                    2 Class T (TEL1)
                                        processing.                          Number and type of initiators can be varied to help
                                                                             provide improved throughput.

                    TPX / ISPF          0600 - 2000 {EST)    5 - Mon - Fri   TEL2

                                                                             Access to TPX / ISPF may be required after hours for
                                                                             problem resolution.

                    Tape Cartridges     0600 - 2000 (EST)    5 - Mon - Fri   Sufficient supply of scratch tapes, for both internal
                                                                             storage and for tapes sent to external customers.

                    CCF PIC's           0900-1700 (EST)      1 - Tues        Normal PIC's process is done on Tuesday with final
                                                                             approval as of the previous Friday with Thursday as a
                                                                             fall back day. Break/Fix PIC's will be done on request
                                                                             on any day.

                    Special Run         0600 - 2000 (EST)    5 - Mon - Fri   Process run request on a timely basis or at the time
                    Request                                                  requested.

                    Test CICS Regions   0600 - 2000 (EST)    5 - Mon - Fri   Test regions Up or Down on request with in 30 minutes
                                                                             of request.

                    Test CICS Table     0600 - 2000 (EST)    5 - Mon - Fri   Additions or changes to CICS tables. With 24 hour
                    Modifications                                            turnaround and notification of completion.
</TABLE>

                                                                   Page 41 of 43

<PAGE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                            SERVICE CREDIT TABLE C-1

<TABLE>
<CAPTION>
DAILY OUTAGES DURING                      SERVICE CREDIT              SERVICE CREDIT
MEASUREMENT PERIOD                     PER 1-3 OCCURRENCES         4 OR MORE OCCURRENCES
-------------------------------   ----------------------------   ------------------------
<S>                               <C>                            <C>
Each Additional 30 Min.           2.0% of the Monthly Charge     One and a half times the
                                                                 1 to 3 occurrence amount

> 150 Min. to 180 Min.            6.0% of the Monthly Charge     One and a half times the
                                                                 1 to 3 occurrence amount

> 120 Min. to 150 Min.            3.0% of the Monthly            One and a half times the
                                                                 1 to 3 occurrence amount

> 90 Min. to 120 Min.             2.0% of the Monthly Charge     One and a half times the
                                                                 1 to 3 occurrence amount

> 60 Min. to 90 Min.              1.75% of the Monthly Charge    One and a half times the
                                                                 1 to 3 occurrence amount

> 30 Min. to 60 Min.              0.75% of the Monthly Charge    One and a half times the
                                                                 1 to 3 occurrence amount

> 10 to 30 Min.                   0.5% of the Monthly Charge     One and a half times the
                                                                 1 to 3 occurrence amount

0 to 10 Min (MSL)                 0

Occurrences in a calendar month   1 to 3 - per each occurrence   4 & above- per each
                                                                 occurrence
</TABLE>

                                   EXHIBIT C-1

                PERFORMANCE STANDARDS AND MINIMUM SERVICE LEVELS

                            SERVICE CREDIT TABLE C-2

<TABLE>
<CAPTION>
DAILY OUTAGES DURING                   SERVICE CREDITS PER           SERVICE CREDITS
MEASUREMENT PERIOD                      1-3 OCCURRENCES             PER 4+ OCCURRENCES
-------------------------------   -----------------------------   ------------------------
<S>                               <C>                             <C>
Each additional 30                0.5% of the Monthly Charge -    One and a half times the
                                                                  1 to 3 occurrence amount

> 30-60                           2.5% of the Monthly Charge -    One and a half times the
                                                                  1 to 3 occurrence amount

> 20-30                           1.75% of the Monthly Charge -   One and a half times the
                                                                  1 to 3 occurrence amount

> 10 to 20                        0.5% of the Monthly Charge -    One and a half times the
                                                                  1 to 3 occurrence amount

< 10 minutes (MSL)                0

Occurrences in a calendar month   1 to 3 - per each occurrence   4 & above- per each
                                                                 occurrence
</TABLE>

                                                                   Page 42 of 43

<PAGE>

                            SERVICE CREDIT TABLE C-3

                          PRIORITY 1-CRITICAL PROCESSES

<TABLE>
<CAPTION>
                                         SERVICE CREDIT
DAILY CUMULATIVE     SERVICE CREDIT        4 OR MORE
MINUTES OF OUTAGE    1-3 OCCURRENCES      OCCURRENCES
-----------------   ----------------   ------------------
<S>                 <C>                <C>
Each Additional     .125% of Monthly   One and a half
hour or fraction    Charges (per       times the 1-3
thereof             process)           occurrence amount

121 Min. to 180     .125% of Monthly   One and a half
Min. over MSL       Charges (per       times the 1-3
                    process)           occurrence amount

61 Min. to 120      .1% of Monthly     One and a half
Min. over MSL       Charges (per       times the 1-3
                    process)           occurrence amount

1 to 60 Min. over   .075% of Monthly   One and a half
MSL                 Charges (per       times the 1-3
                    process)           occurrence amount

Occurrences in a    1-3 per each       4 or more-per each
calendar month      occurrence         occurrence
</TABLE>

                            SERVICE CREDIT TABLE C-5

          CARDSOURCE SYSTEM - FILES READY TO TRANSMIT OUT BY 0800 (EST)

<TABLE>
<S>                                       <C>                  <C>
< 50%                                     .15% of total        .2% of total
                                          Monthly Charges      Monthly Charges

greater than or equal to  50% but < 80%   .1 % of total        .15% of total
                                          Monthly Charges      Monthly Charges

greater than or equal to 80% but < 90%    .05% of total        .1% of total
                                          Monthly Charges      Monthly Charges

greater than or equal to 90% but < 95%    .025% of total       .05% of total
                                          Monthly Charges      Monthly Charges

MSL greater than or equal to 95%          0                    0

Occurrences in a calendar month           1 - 3 occurrences    4 or more
                                          per each             occurrences per
                                          occurrence           each occurrence
</TABLE>

                                                                   Page 43 of 43

<PAGE>

                                  SCHEDULE T OF
                           TRANSACTION DOCUMENT #03-01
                                 MAINFRAME TOWER
                                 (UNITED STATES)
                CERTEGY PROVIDED OFFICE FURNISHING AND FACILITIES

Certegy shall provide the following Facilities to IBM for use solely in the
performance of the Services in accordance of Section 4.7 of this Transaction
Document.

     1.   The Facilities to be provided to IBM shall be substantially similar to
          those facilities provided by Certegy to its staff.

     2.   Offices shall be provided for IBM management staff as indicated in
          Table 1 below, and shall include a secure office with key lock access.

     3.   Cubicles shall be provided for non-management staff as indicated in
          Table 2 below, and shall include desks with lock and key.

     4.   The office environment is to be secure or to provide secure storage,
          at a level that a key or security pass is required for access.

     5.   The office environment is to be accessible on a seven (7) day a week
          twenty-four (24) hour a day basis as required to meet the Service
          requirements of Certegy.

     6.   If IBM elects to add staff from time to time in addition to the
          equivalent number of staff in Table 1 and 2 to this Schedule, any cost
          associated with acquiring/installing cubicles or office furnishings,
          wiring, telephone, chairs, copiers or fax machines will be the
          responsibility of IBM and will be dependent on space availability and
          prior written approval of Certegy.

Table 1: Office accommodation to be provided to IBM by Certegy for IBM
Management at the St. Petersburg, Florida location.

<TABLE>
<CAPTION>
POSITION                OFFICE   DESK   PHONE   LAN ACCESS
---------------------   ------   ----   -----   ----------
<S>                     <C>      <C>    <C>     <C>
1 x Project Executive      Y       Y      Y          Y

1 x Deputy Project
Executive                  Y       Y      Y          Y

1 x Delivery Project
Executive                  Y       Y      Y          Y
</TABLE>

Schedule T                       March 14, 2003                      Page 1 of 2
CERTEGY/IBM CONFIDENTIAL

<PAGE>

Table 2: Cubicle accommodation to be provided to IBM by Certegy for IBM general
staff

<TABLE>
<CAPTION>
                                                        NUMBER OF LAN
NUMBER OF STAFF POSITIONS   CUBICLES   DESKS   PHONES    ACCESS PORTS
-------------------------   --------   -----   ------   -------------
<S>                         <C>        <C>     <C>      <C>
St. Petersburg, Florida       13        13      13           13
Madison, Wisconsin             2         2       2            2
Salt Lake City , Utah          2         2       2            2
Alpharetta, Georgia            1         1       1            1
Tuscaloosa, Alabama            1         1       1            1
</TABLE>

                                                                     Page 2 of 2

<PAGE>

                                   SCHEDULE U
                           TRANSACTION DOCUMENT #03-01
                                 (UNITED STATES)
                                  BILL OF SALE

IBM BILL OF SALE

INTERNATIONAL BUSINESS MACHINES CORPORATION, having offices at Route 100,
Somers, New York 10589 ("Seller"), for consideration of one dollar ($1.00) the
receipt of which is hereby acknowledged, paid by __________________________, a
corporation having a place of business at _______________________,
____________,________________ ___________ ("Purchaser"), by this Bill of
Sale does sell, transfer, grant and convey to Purchaser, its successors and
assigns, all of Seller's right, title and interest in and to the equipment,
goods and other assets (all of the foregoing being hereinafter collectively
referred to as the "Property"), made and effective as of _____________ ___,
200_. Seller warrants that it has clear title to the Property free of any liens
and encumbrances.

IN WITNESS WHEREOF, Seller has duly executed this Bill of Sale as of
the __________ day of ____________, 20__.

INTERNATIONAL BUSINESS MACHINES CORPORATION

By
   ----------------------------------
   Authorized Signature

-------------------------------------
Name (Type or Print)                    Date

Schedule U                       March 14, 2003                      Page 1 of 2
CERTEGY/IBM CONFIDENTIAL

<PAGE>

CERTEGY BILL OF SALE

Certegy Inc., a corporation having a place of business at
________________________________________, _____________,
_____________________("Seller"), for consideration
of_____________________________________________($___________) the receipt of
which is hereby acknowledged, paid by a division of International Business
Machines Corporation, having its headquarters at Route 100, Somers, New York
10589 ("Purchaser"), by this Bill of Sale does sell, transfer, grant and convey
to Purchaser, its successors and assigns, all of Seller's right, title and
interest in and to the equipment, goods and other assets (all of the foregoing
being hereinafter collectively referred to as the "Property"), made and
effective as of _____________________, 200_. Seller warrants that it has clear
title to the Property free of any liens and encumbrances.

IN WITNESS WHEREOF, Seller has duly executed this Bill of Sale as of the
___________ day of _____________, 20_.

CERTEGY INC.

By
   -------------------------------
   Authorized Signature

----------------------------------
Name (Type or Print)                    Date

                                                                     Page 2 of 2

<PAGE>

                                  SCHEDULE V OF
                           TRANSACTION DOCUMENT #03-01
                                 (UNITED STATES)
                                 MAINFRAME TOWER
                                  KEY POSITIONS

This Schedule lists the Key Positions pursuant to the Master Agreement and this
Transaction Document. The list of Key Positions will be updated as agreed
through the term of this Transaction Document.

<TABLE>
<CAPTION>
STAFF POSITION                    NAME
--------------               --------------
<S>                          <C>
Global Project Executive     Arthur Gopfert
Project Executive            TBD
Deputy Project Executive     Ken Andrews
Delivery Project Executive   TBD
</TABLE>

Schedule V                       March 14, 2003                      Page 1 of 1
CERTEGY/IBM CONFIDENTIAL<PAGE>

                                                                  EXECUTION COPY

                                                                   EXHIBIT 10.11

================================================================================

                                CREDIT AGREEMENT

                          Dated as of January 18, 2007

                                      among

                  FIDELITY NATIONAL INFORMATION SERVICES, INC.
                            and CERTAIN SUBSIDIARIES,
                                  as Borrowers,

                           The LENDERS Party Hereto,

                           JPMORGAN CHASE BANK, N.A.,
           as Administrative Agent, Swing Line Lender and L/C Issuer

                                      and

                             BANK OF AMERICA, N.A.,
                              as Swing Line Lender

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

                          J.P. MORGAN SECURITIES INC.,
                        BANC OF AMERICA SECURITIES LLC,

                                      and

                         WACHOVIA CAPITAL MARKETS, LLC,
             Joint Lead Arrangers and Joint Book Running Managers,

                             BANK OF AMERICA, N.A.
                                      and
                      WACHOVIA BANK, NATIONAL ASSOCIATION,
                             Co-Syndication Agents

                                      and

                                  BNP PARIBAS,
                              Documentation Agent

================================================================================

<PAGE>

                                TABLE OF CONTENTS

<TABLE>
<CAPTION>
                                                                                                                PAGE
<S>                                                                                                             <C>
                                                        ARTICLE 1
                                          DEFINITIONS AND ACCOUNTING TERMS

Section 1.01. Defined Terms...................................................................................     1
Section 1.02. Other Interpretive Provisions...................................................................    35
Section 1.03. Accounting Terms................................................................................    35
Section 1.04. Rounding........................................................................................    36
Section 1.05. References to Agreements and Laws...............................................................    36
Section 1.06. Times of Day....................................................................................    36
Section 1.07. Timing of Payment or Performance................................................................    36
Section 1.08. Exchange Rates; Currency Equivalents............................................................    36
Section 1.09. Additional Alternative Currencies...............................................................    37

                                                        ARTICLE 2
                                         THE COMMITMENTS AND CREDIT EXTENSIONS

Section 2.01. The Committed Loans.............................................................................    38
Section 2.02. Borrowings, Conversions and Continuations of Committed Loans....................................    39
Section 2.03. Bid Loans.......................................................................................    41
Section 2.04. Letters of Credit...............................................................................    43
Section 2.05. Swing Line Loans................................................................................    52
Section 2.06. Prepayments.....................................................................................    55
Section 2.07. Termination or Reduction of Commitments.........................................................    58
Section 2.08. Repayment of Loans..............................................................................    59
Section 2.09. Interest........................................................................................    60
Section 2.10. Fees............................................................................................    60
Section 2.11. Computation of Interest and Fees................................................................    61
Section 2.12. Evidence of Indebtedness........................................................................    61
Section 2.13. Payments Generally..............................................................................    62
Section 2.14. Sharing of Payments.............................................................................    64
Section 2.15. Designated Borrowers............................................................................    65
Section 2.16. Increase in Commitments.........................................................................    67

                                                        ARTICLE 3
                                         TAXES, INCREASED COSTS AND ILLEGALITY

Section 3.01. Taxes...........................................................................................    69
Section 3.02. Illegality......................................................................................    71
Section 3.03. Inability to Determine Rates....................................................................    71
Section 3.04. Increased Cost and Reduced Return...............................................................    72
</TABLE>

                                      i
<PAGE>

<TABLE>
<CAPTION>
                                                                                                                PAGE
<S>                                                                                                             <C>

Section 3.05. Capital Adequacy................................................................................    72
Section 3.06. Reserves on Eurocurrency Rate Loans.............................................................    72
Section 3.07. Funding Losses..................................................................................    73
Section 3.08. Matters Applicable to All Requests for Compensation.............................................    73
Section 3.09. Replacement of Lenders Under Certain Circumstances..............................................    75
Section 3.10. Survival........................................................................................    76

                                                        ARTICLE 4
                                         CONDITIONS PRECEDENT TO CREDIT EXTENSIONS

Section 4.01. Conditions of Initial Credit Extension..........................................................    76
Section 4.02. Conditions to All Credit Extensions.............................................................    78

                                                        ARTICLE 5
                                            REPRESENTATIONS AND WARRANTIES

Section 5.01. Existence, Qualification and Power; Compliance with Laws........................................    79
Section 5.02. Authorization; No Contravention.................................................................    79
Section 5.03. Governmental Authorization; Other Consents......................................................    79
Section 5.04. Binding Effect..................................................................................    80
Section 5.05. Financial Statements; No Material Adverse Effect................................................    80
Section 5.06. Litigation......................................................................................    80
Section 5.07. Ownership of Property; Liens....................................................................    81
Section 5.08. [Intentionally Omitted].........................................................................    81
Section 5.09. Taxes...........................................................................................    81
Section 5.10. ERISA Compliance................................................................................    81
Section 5.11. Subsidiaries; Equity Interests..................................................................    82
Section 5.12. Margin Regulations; Investment Company Act......................................................    82
Section 5.13. Disclosure......................................................................................    82
Section 5.14. Solvency........................................................................................    82

                                                        ARTICLE 6
                                                 AFFIRMATIVE COVENANTS

Section 6.01. Financial Statements............................................................................    83
Section 6.02. Certificates; Other Information.................................................................    84
Section 6.03. Notices.........................................................................................    86
Section 6.04. Payment of Obligations..........................................................................    86
Section 6.05. Preservation of Existence, Etc..................................................................    86
Section 6.06. Maintenance of Properties.......................................................................    86
Section 6.07. Maintenance of Insurance........................................................................    86
Section 6.08. Compliance with Laws............................................................................    87
Section 6.09. Books and Records...............................................................................    87
Section 6.10. Inspection Rights...............................................................................    87
Section 6.11. Use of Proceeds.................................................................................    87
Section 6.12. Covenant to Guarantee Obligations...............................................................    87
Section 6.13. [Intentionally Omitted].........................................................................    88
</TABLE>

                                       ii
<PAGE>

<TABLE>
<CAPTION>
                                                                                                                PAGE
<S>                                                                                                             <C>

Section 6.14.  Designation of Subsidiaries....................................................................    88

                                                        ARTICLE 7
                                                   NEGATIVE COVENANTS

Section 7.01. Liens...........................................................................................    89
Section 7.02. Investments.....................................................................................    92
Section 7.03. Indebtedness....................................................................................    95
Section 7.04. [Intentionally Omitted].........................................................................    97
Section 7.05. Dispositions....................................................................................    97
Section 7.06. Restricted Payments.............................................................................    99
Section 7.07. [Intentionally Omitted].........................................................................    99
Section 7.08. Transactions with Affiliates....................................................................   100
Section 7.09. Burdensome Agreements...........................................................................   100
Section 7.10. Financial Covenants.............................................................................   101
Section 7.11. Prepayments, Etc. of Indebtedness...............................................................   101

                                                        ARTICLE 8
                                             EVENTS OF DEFAULT AND REMEDIES

Section 8.01. Events of Default...............................................................................   101
Section 8.02. Remedies Upon Event of Default..................................................................   103
Section 8.03. Application of Funds............................................................................   104

                                                        ARTICLE 9
                                           ADMINISTRATIVE AGENT AND OTHER AGENTS

Section 9.01. Appointment and Authorization of Agents.........................................................   105
Section 9.02. Delegation of Duties............................................................................   105
Section 9.03. Liability of Agents.............................................................................   105
Section 9.04. Reliance by Agents..............................................................................   106
Section 9.05. Notice of Default...............................................................................   106
Section 9.06. Credit Decision; Disclosure of Information by Agents............................................   107
Section 9.07. Indemnification of Agents.......................................................................   107
Section 9.08. Agents in their Individual Capacities...........................................................   108
Section 9.09. Successor Agents................................................................................   108
Section 9.10. Administrative Agent May File Proofs of Claim...................................................   109
Section 9.11. Guaranty Matters................................................................................   110
Section 9.12. Other Agents; Arrangers and Managers............................................................   110
Section 9.13. Appointment of Supplemental Administrative Agents...............................................   110

                                                        ARTICLE 10
                                                        GUARANTY

Section 10.01. Guaranty.......................................................................................   111
Section 10.02. Contribution...................................................................................   111
Section 10.03. Guaranty Absolute..............................................................................   111
</TABLE>

                                      iii
<PAGE>

<TABLE>
<CAPTION>
                                                                                                                PAGE
<S>                                                                                                             <C>

Section 10.04. Waiver and Acknowledgments.....................................................................   112
Section 10.05. Subrogation....................................................................................   113
Section 10.06. Payment Free and Clear of Taxes................................................................   114
Section 10.07. No Waiver; Remedies............................................................................   114
Section 10.08. Right of Set-Off...............................................................................   114
Section 10.09. Continuing Guaranty; Assignments under the Credit Agreement....................................   114
Section 10.10. Subordination of Certain Intercompany Indebtedness.............................................   115

                                                        ARTICLE 11
                                                      MISCELLANEOUS

Section 11.01. Amendments, Etc................................................................................   115
Section 11.02. Notices and Other Communications; Facsimile Copies.............................................   117
Section 11.03. No Waiver; Cumulative Remedies.................................................................   119
Section 11.04. Attorney Costs, Expenses and Taxes.............................................................   119
Section 11.05. Indemnification by the Borrowers...............................................................   119
Section 11.06. Payments Set Aside.............................................................................   121
Section 11.07. Assigns........................................................................................   121
Section 11.08. Successors.....................................................................................   125
Section 11.09. Confidentiality................................................................................   125
Section 11.10. Set-off........................................................................................   126
Section 11.11. Interest Rate Limitation.......................................................................   126
Section 11.12. Counterparts...................................................................................   126
Section 11.13. Integration....................................................................................   127
Section 11.14. Survival of Representations and Warranties.....................................................   127
Section 11.15. Severability...................................................................................   127
Section 11.16. Tax Forms......................................................................................   127
Section 11.17. Governing Law..................................................................................   130
Section 11.18. Waiver of Right to Trial by Jury...............................................................   131
Section 11.19. Binding Effect.................................................................................   131
Section 11.20. No Implied Duties..............................................................................   131
Section 11.21.  USA Patriot Act Notice........................................................................   131
Section 11.22.  Judgment Currency.............................................................................   132
</TABLE>

                                       vi
<PAGE>

SCHEDULES

  1.01A           Mandatory Cost Formulae
  1.01B           Closing Date Guarantors
  1.01C           Management Agreements
  1.01D           Unrestricted Subsidiaries
  2.01            Commitments
  5.06            Litigation
  5.11            Subsidiaries
  7.01            Existing Liens
  7.02            Existing Investments
  7.03            Existing Indebtedness
  7.08            Transactions with Affiliates
  7.09            Existing Restrictions
  11.02           Administrative Agent's Office; Certain Addresses for Notices

EXHIBITS

                  Form of

  A               Committed Loan Notice
  B-1             Bid Request
  B-2             Competitive Bid
  C               Swing Line Loan Notice
  D-1             Term Note
  D-2             US Dollar Revolving Credit Note
  D-3             Multicurrency Revolving Credit Note
  E               Compliance Certificate
  F               Assignment and Assumption
  G               Subsidiary Guaranty
  H               Designated Borrower Request and Assumption Agreement
  I               Designated Borrower Notice
  J               Subordination Terms

<PAGE>

                                CREDIT AGREEMENT

      This CREDIT AGREEMENT ("AGREEMENT") is entered into as of January 18,
2007, among FIDELITY NATIONAL INFORMATION SERVICES, INC., a Georgia corporation
(the "COMPANY"), certain Subsidiaries of the Company party hereto pursuant to
Section 2.15 (each, a "DESIGNATED BORROWER" and, together with the Company, the
"BORROWERS" and, each, a "BORROWER") each lender from time to time party hereto
(collectively, the "LENDERS" and individually, a "LENDER"), JPMORGAN CHASE BANK,
N.A., as Administrative Agent, Swing Line Lender and L/C Issuer and BANK OF
AMERICA, N.A., as Swing Line Lender.

                                    RECITALS

      The Company has requested that (a) on the Closing Date the Term Lenders
make a Term Loan to the Company in an aggregate principal amount of
$2,100,000,000 and (b) from time to time, the Revolving Credit Lenders lend to
the Borrowers and the L/C Issuer issue Letters of Credit for the account of the
Borrowers and their Subsidiaries under a $900,000,000 revolving credit facility
(comprised of a $735,000,000 multicurrency tranche and a $165,000,000 U.S.
dollar-only tranche) for the Borrowers and their Subsidiaries. The applicable
Lenders have indicated their willingness to lend and the L/C Issuer has
indicated its willingness to so issue Letters of Credit, in each case, on the
terms and subject to the conditions set forth herein.

      In consideration of the mutual covenants and agreements herein contained,
the parties hereto covenant and agree as follows:

                                   ARTICLE 1
                        DEFINITIONS AND ACCOUNTING TERMS

      Section 1.01. Defined Terms. As used in this Agreement, the following
terms shall have the meanings set forth below:

      "1934 ACT" means the Securities Exchange Act of 1934.

      "ABSOLUTE RATE" means a fixed rate of interest expressed in multiples of
1/100th of one basis point.

      "ABSOLUTE RATE LOAN" means a Bid Loan that bears interest at a rate
determined with reference to an Absolute Rate.

      "ADDITIONAL ALTERNATIVE CURRENCY" has the meaning set forth in Section
2.01(b).

      "ADDITIONAL REVOLVING CREDIT COMMITMENTS" has the meaning specified in
Section 2.16(c).

      "ADDITIONAL TERM LOANS" has the meaning specified in Section 2.16(b).

<PAGE>

      "ADDITIONAL TERM LOAN TRANCHE" has the meaning specified in Section
2.16(b).

      "ADDITIONAL COMMITMENTS EFFECTIVE DATE" has the meaning specified in
Section 2.16(e).

      "ADMINISTRATIVE AGENT" means JPMCB in its capacity as administrative agent
under any of the Loan Documents, or any successor administrative agent.

      "ADMINISTRATIVE AGENT'S OFFICE" means the Administrative Agent's address
and, as appropriate, account as set forth on Schedule 11.02, or such other
address or account as the Administrative Agent may from time to time notify the
Company and the Lenders.

      "ADMINISTRATIVE QUESTIONNAIRE" means an Administrative Questionnaire in a
form supplied by the Administrative Agent.

      "AFFILIATE" means, with respect to any Person, another Person that
directly, or indirectly through one or more intermediaries, Controls or is
Controlled by or is under common Control with the Person specified. "CONTROL"
means the possession, directly or indirectly, of the power to direct or cause
the direction of the management or policies of a Person, whether through the
ability to exercise voting power, by contract or otherwise. "CONTROLLING" and
"CONTROLLED" have meanings correlative thereto.

      "AGENT-RELATED PERSONS" means the Administrative Agent, together with its
Affiliates, and the officers, directors, employees, agents and attorneys-in-fact
of such Persons.

      "AGENTS" means, collectively, the Administrative Agent, the Co-Syndication
Agents, the Documentation Agent and the Supplemental Administrative Agents (if
any).

      "AGGREGATE COMMITMENTS" means the Commitments of all the Lenders.

      "AGGREGATE REVOLVING CREDIT COMMITMENTS" means, at any time, the aggregate
amount of the Revolving Credit Commitments of the Revolving Credit Lenders at
such time.

      "AGREEMENT" means this Credit Agreement.

      "ALTERNATIVE CURRENCY" means each of Euro, Sterling, Australian Dollar and
each other currency (other than Dollars) that is approved in accordance with
Section 1.09.

      "ALTERNATIVE CURRENCY EQUIVALENT" means, at any time, with respect to any
amount denominated in Dollars, the equivalent amount thereof in the applicable
Alternative Currency as determined by the Administrative Agent or the L/C
Issuer, as the case may be, at such time on the basis of the Spot Rate
(determined in respect of the most recent Revaluation Date) for the purchase of
such Alternative Currency with Dollars.

      "APPLICABLE MARGIN" means a percentage per annum equal to: (a) with
respect to any Term Loans, (i) until the Compliance Certificate is received by
the Administrative Agent pursuant to Section 6.02(b) for the fiscal quarter
ending December 31, 2006, 1.00% if such Loans are Eurocurrency Loans and 0% if
such Loans are Base Rate Loans and (ii) thereafter, the

                                       2
<PAGE>

following percentages per annum based upon the Leverage Ratio as set forth in
the most recent Compliance Certificate received by the Administrative Agent
pursuant to Section 6.02(b):

<TABLE>
<CAPTION>
                                   Term Loans
------------------------------------------------------------------------
Pricing Level         Leverage Ratio        Eurocurrency Rate     Base Rate
------------     -------------------------  -----------------     ---------
<S>              <C>                        <C>                   <C>
      1                       < or = 2.0:1         0.75%              0%
      2           > 2.0:1 and < or = 2.5:1        0.875%              0%
      3          > 2.5:1 and < or = 3.25:1         1.00%              0%
      4                           > 3.25:1         1.25%           0.25%
</TABLE>

and (b) with respect to (x) any Revolving Credit Loans, (y) the facility fee to
be paid pursuant to Section 2.10(a) (as used below, the "FACILITY FEE") and (z)
the Letter of Credit fee (the "L/C FEE"), (i) until the Compliance Certificate
is received by the Administrative Agent pursuant to Section 6.02(b) for the
fiscal quarter ending December 31, 2006, 0.80% if such Loans are Eurocurrency
Loans and 0% if such Loans are Base Rate Loans, the Facility Fee shall be 0.20%
and the L/C Fee shall be 0.80% and (ii) thereafter, the following percentages
per annum based upon the Leverage Ratio as set forth below:

<TABLE>
<CAPTION>
                                  Revolving Credit Facility
---------------------------------------------------------------------------------------------
                                             Eurocurrency Rate/
Pricing Level         Leverage Ratio             L/C Fee           Base Rate    Facility Fee
-------------    -------------------------   ------------------    ---------    -------------
<S>              <C>                         <C>                   <C>          <C>
      1                       < or = 2.0:1           0.60%             0%            0.15%
      2           > 2.0:1 and < or = 2.5:1           0.70%             0%           0.175%
      3          > 2.5:1 and < or = 3.25:1           0.80%             0%            0.20%
      4                           > 3.25:1           1.00%             0%            0.25%
</TABLE>

Any increase or decrease in the Applicable Margin resulting from a change in the
Leverage Ratio shall become effective as of the first Business Day immediately
following the date a Compliance Certificate is delivered pursuant to Section
6.02(b); provided that at the option of the Administrative Agent or the Required
Lenders, Pricing Level 4 shall apply (1) as of the first Business Day after the
date on which a Compliance Certificate was required to have been delivered but
was not delivered, and shall continue to so apply to and including the date on
which such Compliance Certificate is so delivered (and thereafter the Pricing
Level otherwise determined in accordance with this definition shall apply) and
(2) as of the first Business Day after an Event of Default set forth in Section
8.01(a) or (f) shall have occurred and be continuing, and shall continue to so
apply to but excluding the date on which such Event of Default is cured or
waived (and thereafter the Pricing Level otherwise determined in accordance with
this definition shall apply).

      "APPLICABLE TIME" means, with respect to any borrowings and payments in
any Alternative Currency, the local time in the place of settlement for such
Alternative Currency as may be determined by the Administrative Agent or the L/C
Issuer, as the case may be, to be necessary for timely settlement on the
relevant date in accordance with normal banking procedures in the place of
payment.

                                       3
<PAGE>

      "APPLICANT BORROWER" has the meaning specified in Section 2.15(a).

      "APPROPRIATE LENDER" means, at any time, (a) with respect to Loans of any
Class, the Lenders of such Class, (b) with respect to the Letter of Credit
Sublimit, (i) the L/C Issuer and (ii) if any Letters of Credit have been issued
pursuant to Section 2.04, the Multicurrency Revolving Credit Lenders, (c) with
respect to the Swing Line Facility, (i) the Swing Line Lenders and (ii) if any
Swing Line Loans are outstanding pursuant to Section 2.05, the Multicurrency
Revolving Credit Lenders and (d) with respect to Revolving Credit Loans of any
Tranche, the Lenders of such Tranche.

      "APPROVED FOREIGN BANK" has the meaning specified in clause (k) of the
definition of "Cash Equivalents".

      "APPROVED FUND" means any Fund that is administered, advised or managed by
(a) a Lender, (b) an Affiliate of a Lender or (c) an entity or an Affiliate of
an entity that administers, advises or manages a Lender.

      "ARRANGERS" means J.P. Morgan Securities Inc., Banc of America Securities
LLC and Wachovia Capital Markets, LLC, each in its capacity as a joint lead
arranger and joint book running manager of the Facilities.

      "ASSIGNEE GROUP" means two or more Eligible Assignees that are Affiliates
of one another or two or more Approved Funds managed by the same investment
advisor.

      "ASSIGNMENT AND ASSUMPTION" means an Assignment and Assumption
substantially in the form of Exhibit F.

      "ATTORNEY COSTS" means and includes all reasonable fees, expenses and
disbursements of any law firm or other external counsel.

      "ATTRIBUTABLE INDEBTEDNESS" means, on any date, in respect of any
Capitalized Lease of any Person, the capitalized amount thereof that would
appear on a balance sheet of such Person prepared as of such date in accordance
with GAAP.

      "AUSTRALIAN DOLLAR" means the lawful currency of the Commonwealth of
Australia.

      "AUSTRALIAN DOLLAR SUBLIMIT" means an amount equal to $175,000,000. The
Australian Dollar Sublimit is part of, and not in addition to, the Multicurrency
Revolving Credit Facility.

      "AUTO-RENEWAL LETTER OF CREDIT" has the meaning specified in Section
2.04(b)(iii).

      "BANK OF AMERICA" means Bank of America, N.A. and its successors.

      "BASE RATE" means for any day a fluctuating rate per annum equal to the
higher of (a) the Federal Funds Rate plus 1/2 of 1% and (b) the rate of interest
in effect for such day as publicly announced from time to time by JPMCB as its
"prime rate." The "prime rate" is a rate set by JPMCB based upon various factors
including JPMCB's costs and desired return, general economic conditions and
other factors, and is used as a reference point for pricing some loans,

                                       4
<PAGE>

which may be priced at, above, or below such announced rate. Any change in such
rate announced by JPMCB shall take effect at the opening of business on the day
specified in the public announcement of such change.

      "BASE RATE COMMITTED LOAN" means a Committed Loan that is a Base Rate
Loan.

      "BASE RATE LOAN" means a Loan that bears interest based on the Base Rate.
All Base Rate Loans shall be denominated in Dollars.

      "BID BORROWING" means a borrowing consisting of simultaneous Bid Loans of
the same Type from each of the Lenders whose offer to make one or more Bid Loans
as part of such borrowing has been accepted under the auction bidding procedures
described in Section 2.03.

      "BID LOAN" has the meaning specified in Section 2.03(a).

      "BID LOAN LENDER" means, in respect of any Bid Loan, the Lender making
such Bid Loan to the Borrower.

      "BID REQUEST" means a written request for one or more Bid Loans
substantially in the form of Exhibit B-1.

      "BORROWERS" has the meaning specified in the introductory paragraph to
this Agreement.

      "BORROWER MATERIALS" has the meaning specified in Section 6.02.

      "BORROWING" means a Revolving Credit Borrowing, a Bid Borrowing, a Swing
Line Borrowing or a Term Borrowing, as the context may require.

      "BRAZILIAN JOINT VENTURE" means that joint venture among Certegy LTDA,
Banco Bradesco S.A. and Banco ABN AMRO Real S.A. and any future members.

      "BUSINESS DAY" means any day other than a Saturday, Sunday or other day on
which commercial banks are authorized to close under the Laws of, or are in fact
closed in, the state where the Administrative Agent's Office with respect to
Obligations denominated in Dollars is located and:

            (a) if such day relates to any interest rate settings as to a
      Eurocurrency Rate Loan denominated in Dollars, any fundings,
      disbursements, settlements and payments in Dollars in respect of any such
      Eurocurrency Rate Loan, or any other dealings in Dollars to be carried out
      pursuant to this Agreement in respect of any such Eurocurrency Rate Loan,
      means any such day on which dealings in deposits in Dollars are conducted
      by and between banks in the London interbank eurodollar market;

            (b) if such day relates to any interest rate settings as to a
      Eurocurrency Rate Loan denominated in Euro, any fundings, disbursements,
      settlements and payments in Euro in respect of any such Eurocurrency Rate
      Loan, or any other dealings in Euro to be carried out pursuant to this
      Agreement in respect of any such Eurocurrency Rate Loan, means a TARGET
      Day;

                                       5
<PAGE>

            (c) if such day relates to any interest rate settings as to a
      Eurocurrency Rate Loan denominated in a currency other than Dollars or
      Euro, means any such day on which dealings in deposits in the relevant
      currency are conducted by and between banks in the London or other
      applicable offshore interbank market for such currency; and

            (d) if such day relates to any fundings, disbursements, settlements
      and payments in a currency other than Dollars or Euro in respect of a
      Eurocurrency Rate Loan denominated in a currency other than Dollars or
      Euro, or any other dealings in any currency other than Dollars or Euro to
      be carried out pursuant to this Agreement in respect of any such
      Eurocurrency Rate Loan (other than any interest rate settings), means any
      such day on which banks are open for foreign exchange business in the
      principal financial center of the country of such currency.

      "CAPITAL LEASING" means FNF Capital Leasing, Inc.

      "CAPITALIZED LEASES" means all leases that have been or should be, in
accordance with GAAP, recorded as capitalized leases on a balance sheet of the
lessee.

      "CASH COLLATERAL" has the meaning specified in Section 2.04(g).

      "CASH COLLATERAL ACCOUNT" means a deposit account at the Administrative
Agent in the name of the Administrative Agent and under the sole dominion and
control of the Administrative Agent, and otherwise established in a manner
satisfactory to the Administrative Agent.

      "CASH COLLATERALIZE" has the meaning specified in Section 2.04(g).

      "CASH EQUIVALENTS" means any of the following types of Investments, to the
extent owned by the Company or any of its Restricted Subsidiaries:

            (a) operating deposit accounts maintained by the Restricted
      Companies;

            (b) securities issued or unconditionally guaranteed by the United
      States government or any agency or instrumentality thereof having
      maturities of not more than 12 months from the date of acquisition thereof
      or other durations approved by the Administrative Agent;

            (c) securities issued by any state of the United States or any
      political subdivision of any such state or any public instrumentality
      thereof having maturities of not more than 12 months from the date of
      acquisition thereof or other durations approved by the Administrative
      Agent and, at the time of acquisition, having a rating of at least "A-2"
      or "P-2" (or long-term ratings of at least "A3" or "A-") from either S&P
      or Moody's, or, with respect to municipal bonds, a rating of at least MIG
      2 or VMIG 2 from Moody's (or the equivalent thereof);

            (d) commercial paper issued by any Lender that is a commercial bank
      or any bank holding company owning any Lender;

                                       6
<PAGE>

            (e) commercial paper maturing not more than 12 months after the date
      of creation thereof or other durations approved by the Administrative
      Agent and, at the time of acquisition, having a rating of at least A-1 or
      P-1 from either S&P or Moody's and commercial paper maturing not more than
      90 days after the creation thereof and, at the time of acquisition, having
      a rating of at least A-2 or P-2 from either S&P or Moody's;

            (f) domestic and eurodollar certificates of deposit or bankers'
      acceptances maturing no more than one year after the date of acquisition
      thereof or other durations approved by the Administrative Agent which are
      either issued by any Lender or any other banks having combined capital and
      surplus of not less than $100,000,000 (or in the case of foreign banks,
      the dollar equivalent thereof) or are insured by the Federal Deposit
      Insurance Corporation for the full amount thereof;

            (g) repurchase agreements with a term of not more than 30 days for,
      and secured by, underlying securities of the type without regard to
      maturity described in clauses (b), (c) and (f) above entered into with any
      bank meeting the qualifications specified in clause (f) above or
      securities dealers of recognized national standing;

            (h) shares of investment companies that are registered under the
      Investment Company Act of 1940 and invest solely in one or more of the
      types with regard to maturity of securities described in clauses (b)
      through (g) above;

            (i) asset-backed securities and corporate securities that are
      eligible for inclusion in money market funds;

            (j) fixed maturity securities which are rated BBB- and above by S&P
      or Baa3 and above by Moody's; provided that the aggregate amount of
      Investments by any Person in fixed maturity securities which are rated
      BBB+, BBB or BBB- by S&P or Baa1, Baa2 or Baa3 by Moody's shall not exceed
      10% of the aggregate amount of Investments in fixed maturity securities by
      such Person; and

            (k) solely with respect to any Foreign Subsidiary, non-Dollar
      denominated (i) certificates of deposit of, bankers acceptances of, or
      time deposits with, any commercial bank which is organized and existing
      under the laws of the country in which such Foreign Subsidiary maintains
      its chief executive office and principal place of business provided such
      country is a member of the Organization for Economic Cooperation and
      Development, and whose short-term commercial paper rating from S&P is at
      least "A-1" or the equivalent thereof or from Moody's is at least "P-1" or
      the equivalent thereof (any such bank being an "APPROVED FOREIGN BANK")
      and maturing within 12 months of the date of acquisition or other
      durations approved by the Administrative Agent and (ii) (A) equivalents of
      demand deposit accounts which are maintained with an Approved Foreign Bank
      or (B) other temporary investments (with maturities less than 12 months or
      other durations approved by the Administrative Agent) of a non-speculative
      nature which are made with preservation of principal as the primary
      objective and in each case in accordance with normal investment practices
      for cash management of such Foreign Subsidiaries.

                                       7
<PAGE>

      "CASH MANAGEMENT PRACTICES" means the cash, Cash Equivalent and short-term
investment management practices of the Consolidated Companies as approved by the
board of directors or chief financial officer of the Company from time to time,
including any Indebtedness of the Consolidated Companies having a maturity of 92
days or less representing borrowings from any financial institution with which
the Consolidated Companies have a depository or other investment relationship in
connection with such practices (or any Affiliate of such financial institution),
which borrowings may be secured by the cash, Cash Equivalents and other
short-term investments purchased by the relevant Consolidated Company with the
proceeds of such borrowings.

      "CASH ON HAND" means, on any day, the sum of the amount of cash, Cash
Equivalents and other short-term investments of the Consolidated Companies as
set forth on the balance sheet of the Consolidated Companies on the last day of
each calendar month ending during the four fiscal quarters most recently ended
on or prior to such day, divided by twelve (it being understood that such amount
shall exclude in any event any cash and Cash Equivalents identified on such
balance sheet as "restricted" or otherwise subject to a security interest in
favor of any other Person (other than non-consensual Liens permitted under
Section 7.01).

      "CASUALTY EVENT" means any event that gives rise to the receipt by the
Company or Restricted Subsidiary of any insurance proceeds or condemnation
awards in respect of any equipment, fixed assets or real property (including any
improvements thereon) to replace or repair such equipment, fixed assets or real
property.

      "CERTEGY MERGER" means the merger effected pursuant to the Agreement and
Plan of Merger among Certegy Inc., C Co Merger Sub, LLC and Fidelity National
Information Services, Inc., dated as of September 14, 2005.

      "CHANGE OF CONTROL" means the earliest to occur of (a) (i) a "person" or
"group" (as such terms are used in Sections 13(d) and 14(d)(2) of the 1934 Act,
but excluding any employee benefit plan of such person and its subsidiaries, and
any person or entity acting in its capacity as trustee, agent or other fiduciary
or administrator of any such plan), shall become the "beneficial owner" (as
defined in Rules 13(d)-3 and 13(d)-5 under the 1934 Act), directly or
indirectly, of more than 35% of the then outstanding voting stock of the
Company, and (ii) during any period of twelve consecutive months, the board of
directors of the Company shall cease to consist of a majority of the Continuing
Directors; and

      (b) any "Change of Control" (or any comparable term) in any document
pertaining to any Permitted Subordinated Indebtedness with an aggregate
outstanding principal amount in excess of the Threshold Amount.

      "CLASS" (a) when used with respect to Lenders, refers to whether such
Lenders are Revolving Credit Lenders or Term Lenders, (b) when used with respect
to Commitments, refers to whether such Commitments are Revolving Credit
Commitments or Term Commitments and (c) when used with respect to Loans or a
Borrowing, refers to whether such Loans, or the Loans comprising such Borrowing,
are Revolving Credit Loans or Term Loans.

                                       8
<PAGE>

      "CLOSING DATE" means the first date all the conditions precedent in
Section 4.01 are satisfied or waived in accordance with Section 11.01.

      "CLOSING DATE FORECASTS" has the meaning specified in Section 5.05(c).

      "CODE" means the U.S. Internal Revenue Code of 1986.

      "COMMITMENT" means a Term Commitment or Revolving Credit Commitment, as
the context may require.

      "COMMITTED BORROWING" means a borrowing consisting of simultaneous
Committed Loans of the same Type and Class, in the same currency and, in the
case of Eurocurrency Rate Committed Loans, having the same Interest Period.

      "COMMITTED LOAN" means a Term Loan or a Revolving Credit Loan.

      "COMMITTED LOAN NOTICE" means a notice of (a) a Committed Borrowing, (b) a
conversion of Committed Loans from one Type to the other or (c) a continuation
of Eurocurrency Rate Committed Loans, pursuant to Section 2.02, which, if in
writing, shall be substantially in the form of Exhibit A.

      "COMPANY" has the meaning specified in the introductory paragraph of this
Agreement.

      "COMPENSATION PERIOD" has the meaning specified in Section 2.13(b)(ii).

      "COMPLIANCE CERTIFICATE" means a certificate substantially in the form of
Exhibit E.

      "CONSOLIDATED COMPANIES" means the Company and its Consolidated
Subsidiaries.

      "CONSOLIDATED EBITDA" means, as of any date for the applicable period
ending on such date with respect to any Person and its Subsidiaries on a
consolidated basis, the sum of (a) Consolidated Net Income, plus (b) an amount
which, in the determination of Consolidated Net Income for such period, has been
deducted for, without duplication,

            (i) total interest expense,

            (ii) income, franchise and similar taxes,

            (iii) depreciation and amortization expense (including amortization
      of intangibles, goodwill and organization costs),

            (iv) letter of credit fees,

            (v) non-cash expenses resulting from any employee benefit or
      management compensation plan or the grant of stock and stock options to
      employees of the Company or any of its Subsidiaries pursuant to a written
      plan or agreement or the treatment of such options under variable plan
      accounting,

                                       9
<PAGE>

            (vi) all extraordinary charges,

            (vii) non-cash amortization (or write offs) of financing costs
      (including debt discount, debt issuance costs and commissions and other
      fees associated with Indebtedness, including the Loans) of such Person and
      its Subsidiaries,

            (viii) cash expenses incurred in connection with the Transaction,
      the Certegy Merger, the Reorganization or, to the extent permitted
      hereunder, any Investment permitted under Section 7.02 (including any
      Permitted Acquisition), Equity Issuance or Debt Issuance (in each case,
      whether or not consummated),

            (ix) any losses realized upon the Disposition of property or assets
      outside of the ordinary course of business,

            (x) to the extent actually reimbursed, expenses incurred to the
      extent covered by indemnification provisions in any agreement in
      connection with a Permitted Acquisition,

            (xi) to the extent covered by insurance, expenses with respect to
      liability or casualty events or business interruption,

            (xii) management fees permitted under Section 7.08(d),

            (xiii) any non-cash purchase accounting adjustment and any non-cash
      write-up, write-down or write-off with respect to re-valuing assets and
      liabilities in connection with the Certegy Merger, the Reorganization or
      any Investment permitted under Section 7.02 (including any Permitted
      Acquisition),

            (xiv) non-cash losses from Joint Ventures and non-cash minority
      interest reductions,

            (xv) fees and expenses in connection with exchanges or refinancings
      permitted by Section 7.11,

            (xvi) (A) non-cash, non-recurring charges with respect to employee
      severance, (B) other non-cash, non-recurring charges so long as such
      charges described in this clause (B) do not result in a cash charge in a
      future period (except as permitted under clause (xvi)(C)) and (C)
      non-recurring charges other than those referred to in clauses (A) and (B)
      so long as such charges described in this clause (C) do not exceed
      $30,000,000 during any fiscal year, and

            (xvii) other expenses and charges of such Person and its
      Subsidiaries reducing Consolidated Net Income which do not represent a
      cash item in such period or any future period; minus

      (c) an amount which, in the determination of Consolidated Net Income, has
been included for

                                       10
<PAGE>

            (i) (A) non-cash gains (other than with respect to cash actually
      received) and (B) all extraordinary gains, and

            (ii) any gains realized upon the Disposition of property outside of
      the ordinary course of business, plus/minus

      (d) unrealized losses/gains in respect of Swap Contracts,

all as determined in accordance with GAAP.

      "CONSOLIDATED INTEREST CHARGES" means, as of any date for the applicable
period ending on such date with respect to any Person and its Subsidiaries on a
consolidated basis, the amount payable with respect to such period in respect of
(a) total interest expense payable in cash plus pay-in-kind interest in respect
of Indebtedness (other than Specified Non-Recourse Indebtedness) of the type set
forth in clause (a) of the definition thereof (including the interest component
under Capitalized Leases, but excluding, to the extent included in interest
expense, (i) fees and expenses associated with the consummation of the
Transaction, (ii) annual agency fees paid to the Administrative Agent, (iii)
costs associated with obtaining Swap Contracts, (iv) fees and expenses
associated with any Investment permitted under Section 7.02, Equity Issuance or
Debt Issuance (whether or not consummated) and (v) amortization of deferred
financing costs), minus (b) interest income with respect to Cash on Hand of such
Person and its Subsidiaries earned during such period, in each case as
determined in accordance with GAAP.

      "CONSOLIDATED NET INCOME" means, as of any date for the applicable period
ending on such date with respect to any Person and its Subsidiaries on a
consolidated basis, net income (excluding, without duplication, (i)
extraordinary items and (ii) any amounts attributable to Investments in any
Joint Venture to the extent that (A) such amounts were not earned by such Joint
Venture during the applicable period, (B) there exists any legal or contractual
encumbrance or restriction on the ability of such Joint Venture to pay dividends
or make any other distributions in cash on the Equity Interests of such Joint
Venture held by such Person and its Subsidiaries, but only to the extent so
encumbered or restricted or (C) such Person does not have the right to receive
or the ability to cause to be distributed its pro rata share of all earnings of
such Joint Venture) as determined in accordance with GAAP; provided that
Consolidated Net Income for any such period shall not include (w) the cumulative
effect of a change in accounting principles during such period, (x) any net
after-tax income or loss (less all fees and expenses or charges relating
thereto) attributable to the early extinguishment of indebtedness, (y) any
non-cash charges resulting from mark-to-market accounting relating to Equity
Interests and (z) any non-cash impairment charges resulting from the application
of Statement of Financial Accounting Standards No. 142 - Goodwill and Other
Intangibles and No. 144 - Accounting for the Impairment or Disposal of
Long-Lived Assets and the amortization of intangibles including arising pursuant
to Statement of Financial Accounting Standards No. 141 - Business Combinations.

      "CONSOLIDATED SHAREHOLDERS' EQUITY" means, as of any date of
determination, the consolidated shareholders' equity of the Company and its
Subsidiaries that would be reported as shareholders' equity on a consolidated
balance sheet of the Company and its Subsidiaries prepared as of such date in
accordance with GAAP.

                                       11
<PAGE>

      "CONSOLIDATED SUBSIDIARIES" means, with respect to any Person at any time,
all Subsidiaries of such Person that would be consolidated in the financial
statements of such Person on such date prepared in accordance with GAAP, but
excluding any such consolidated Subsidiary of such Person that would not be so
consolidated but for the effect of FIN 46.

      "CONTINUING DIRECTORS" shall mean the directors of the Company on the
Closing Date, and each other director, if, in each case, such other directors'
nomination for election to the board of directors of the Company is recommended
by a majority of the then Continuing Directors.

      "CONTRACTUAL OBLIGATION" means, as to any Person, any provision of any
security issued by such Person or of any agreement, instrument or other
undertaking to which such Person is a party or by which it or any of its
property is bound.

      "CONTROL" has the meaning specified in the definition of "Affiliate."

      "CO-SYNDICATION AGENTS" means Bank of America and Wachovia Bank, as
co-syndication agents under this Agreement.

      "CREDIT EXTENSION" means each of the following: (a) a Borrowing and (b) an
L/C Credit Extension.

      "DEBT ISSUANCE" means the issuance by any Person and its Subsidiaries of
any Indebtedness for borrowed money.

      "DEBTOR RELIEF LAWS" means the Bankruptcy Code of the United States, and
all other liquidation, conservatorship, bankruptcy, general assignment for the
benefit of creditors, moratorium, rearrangement, receivership, insolvency,
reorganization, or similar debtor relief Laws of the United States or other
applicable jurisdictions from time to time in effect and affecting the rights of
creditors generally.

      "DEFAULT" means any event or condition that constitutes an Event of
Default or that, with the giving of any notice, the passage of time, or both,
would be an Event of Default.

      "DEFAULT RATE" means an interest rate equal to (a) the Base Rate plus (b)
the Applicable Margin, if any, applicable to Base Rate Loans plus (c) 2.0% per
annum; provided that with respect to a Eurocurrency Rate Loan, the Default Rate
shall be an interest rate equal to the interest rate (including any Applicable
Margin and any Mandatory Cost) otherwise applicable to such Loan plus 2.0% per
annum, in each case, to the fullest extent permitted by applicable Laws.

      "DEFAULTING LENDER" means any Lender that (a) has failed to fund any
portion of the Term Loans, Revolving Credit Loans, participations in L/C
Obligations or participations in Swing Line Loans required to be funded by it
hereunder within one Business Day of the date required to be funded by it
hereunder, (b) has otherwise failed to pay over to the Administrative Agent or
any other Lender any other amount required to be paid by it hereunder within one
Business Day of the date when due, unless the subject of a good faith dispute,
or (c) has been deemed insolvent or become the subject of a bankruptcy or
insolvency proceeding.

                                       12
<PAGE>

      "DESIGNATED BORROWER" has the meaning specified in the introductory
paragraph hereto.

      "DESIGNATED BORROWER NOTICE" has the meaning specified in Section 2.15(a).

      "DESIGNATED BORROWER REQUEST AND ASSUMPTION AGREEMENT" has the meaning
specified in Section 2.15(a).

      "DISPOSITION" or "DISPOSE" means the sale, transfer, license, lease or
other disposition of any property by any Person (including any sale and
leaseback transaction and any sale of Equity Interests, but excluding any
issuance by such Person of its own Equity Interests), including any sale,
assignment, transfer or other disposal, with or without recourse, of any notes
or accounts receivable or any rights and claims associated therewith.

      "DISQUALIFIED EQUITY INTERESTS" means any Equity Interest which, by its
terms (or by the terms of any security or other Equity Interests into which it
is convertible or for which it is exchangeable), or upon the happening of any
event or condition (a) matures or is mandatorily redeemable, pursuant to a
sinking fund obligation or otherwise, (b) is redeemable at the option of the
holder thereof, in whole or in part, (c) provides for the scheduled payments of
dividends in cash, or (d) is or becomes convertible into or exchangeable for
Indebtedness or any other Equity Interests that would constitute Disqualified
Equity Interests, in each case, prior to the date that is 91 days after the
Maturity Date.

      "DOCUMENTATION AGENT" means BNP Paribas, as documentation agent under this
Agreement.

      "DOLLAR" and "$" mean lawful money of the United States.

      "DOLLAR EQUIVALENT" means, at any time, (a) with respect to any amount
denominated in Dollars, such amount, and (b) with respect to any amount
denominated in any Alternative Currency, the equivalent amount thereof in
Dollars as determined by the Administrative Agent or the L/C Issuer, as the case
may be, at such time on the basis of the Spot Rate (determined in respect of the
most recent Revaluation Date) for the purchase of Dollars with such Alternative
Currency.

      "DOMESTIC SUBSIDIARY" means any Subsidiary that is organized under the
laws of the United States, any state thereof or the District of Columbia.

      "ELIGIBLE ASSIGNEE" means (a) in the case of any assignment of a Term
Loan, (i) a Lender, (ii) an Affiliate of a Lender, (iii) an Approved Fund and
(iv) any other Person (other than a natural person) approved by (A) the
Administrative Agent and (B) unless an Event of Default has occurred and is
continuing under Section 8.01(a) or 8.01(f), the Company (each such approval not
to be unreasonably withheld or delayed) and (b) in the case of any assignment of
a Revolving Credit Commitment, any Person (other than a natural person) approved
by (A) the Administrative Agent, (B) the L/C Issuer, (C) the Swing Line Lenders
and (D) unless (x) such assignment is to a Lender, an Affiliate of a Lender or
an Approved Fund or (y) an Event of Default has occurred and is continuing under
Section 8.01(a) or 8.01(f), the Company (each such approval not to be
unreasonably withheld or delayed).

                                       13
<PAGE>

      "EMU" means the economic and monetary union in accordance with the Treaty
of Rome 1957, as amended by the Single European Act 1986, the Maastricht Treaty
of 1992 and the Amsterdam Treaty of 1998.

      "EMU LEGISLATION" means the legislative measures of the European Council
for the introduction of, changeover to or operation of a single or unified
European currency.

      "ENVIRONMENTAL LAWS" means any and all applicable Federal, state, local,
and foreign statutes, laws, regulations, ordinances, rules, judgments, orders,
decrees, permits, concessions, grants, franchises, licenses, agreements or
governmental restrictions relating to pollution and the protection of the
environment or the release of any materials into the environment, including
those related to hazardous substances or wastes, air emissions and discharges to
waste or public systems.

      "ENVIRONMENTAL LIABILITY" means any liability, contingent or otherwise
(including any liability for damages, costs of environmental remediation, fines,
penalties or indemnities), of any Restricted Company resulting from or based
upon (a) violation of any Environmental Law, (b) the generation, use, handling,
transportation, storage, treatment or disposal of any Hazardous Materials, (c)
exposure to any Hazardous Materials, (d) the release or threatened release of
any Hazardous Materials into the environment or (e) any contract, agreement or
other consensual arrangement pursuant to which liability is assumed or imposed
with respect to any of the foregoing.

      "EQUITY INTERESTS" means, with respect to any Person, all of the shares,
interests, rights, participations or other equivalents (however designated) of
capital stock of (or other ownership or profit interests or units in) such
Person and all of the warrants, options or other rights for the purchase,
acquisition or exchange from such Person of any of the foregoing (including
through convertible securities).

      "EQUITY ISSUANCE" means any issuance for cash by any Person and its
Subsidiaries to any other Person of (a) its Equity Interests, (b) any of its
Equity Interests pursuant to the exercise of options or warrants, (c) any of its
Equity Interests pursuant to the conversion of any debt securities to equity or
(d) any options or warrants relating to its Equity Interests. A Disposition
shall not be deemed to be an Equity Issuance.

      "ERISA" means the Employee Retirement Income Security Act of 1974.

      "ERISA AFFILIATE" means any trade or business (whether or not
incorporated) under common control with the Company within the meaning of
Section 414(b) or (c) of the Code (and Sections 414(m) and (o) of the Code for
purposes of provisions relating to Section 412 of the Code).

      "ERISA EVENT" means (a) a Reportable Event with respect to a Pension Plan;
(b) a withdrawal by the Company or any ERISA Affiliate from a Pension Plan
subject to Section 4063 of ERISA during a plan year in which it was a
substantial employer (as defined in Section 4001(a)(2) of ERISA) or a cessation
of operations that is treated as such a withdrawal under Section 4062(e) of
ERISA; (c) a complete or partial withdrawal by a Borrower or any ERISA

                                       14
<PAGE>

Affiliate from a Multiemployer Plan or notification that a Multiemployer Plan is
in reorganization; (d) the filing of a notice of intent to terminate, the
treatment of a Plan amendment as a termination under Sections 4041 or 4041A of
ERISA, or the commencement of proceedings by the PBGC to terminate a Pension
Plan or Multiemployer Plan; (e) an event or condition which constitutes grounds
under Section 4042 of ERISA for the termination of, or the appointment of a
trustee to administer, any Pension Plan or Multiemployer Plan; or (f) the
imposition of any liability under Title IV of ERISA, other than for PBGC
premiums not yet due or premiums due but not yet delinquent under Section 4007
of ERISA, upon the Company or any ERISA Affiliate.

      "EURO" and "EUR" mean the lawful currency of the Participating Member
States introduced in accordance with the EMU Legislation.

      "EUROCURRENCY BID MARGIN" means the margin above or below the Eurocurrency
Rate to be added to or subtracted from the Eurocurrency Rate, which margin shall
be expressed in multiples of 1/100th of one basis point.

      "EUROCURRENCY MARGIN BID LOAN" means a Bid Loan that bears interest at a
rate based upon the Eurocurrency Rate.

      "EUROCURRENCY RATE" means, for any Interest Period with respect to any
Eurocurrency Rate Loan:

            (a) the rate per annum equal to the rate determined by the
      Administrative Agent to be the British Bankers Association LIBOR Rate
      ("BBA LIBOR"), as published by Reuters (or other commercially available
      source providing quotations of BBA LIBOR as designated by the
      Administrative Agent from time to time), for deposits in the relevant
      currency (for delivery on the first day of such Interest Period) with a
      term equivalent to such Interest Period, determined as of approximately
      11:00 a.m. (London time) two Business Days prior to the first day of such
      Interest Period, or

            (b) if the rate referenced in the preceding clause (a) is not
      available, the rate per annum determined by the Administrative Agent as
      the rate of interest at which deposits in the relevant currency for
      delivery on the first day of such Interest Period in Same Day Funds in the
      approximate amount of the Eurocurrency Rate Loan being made, continued or
      converted by JPMCB and with a term equivalent to such Interest Period
      would be offered by JPMCB's London Branch to major banks in the London or
      other offshore interbank market for such currency at their request at
      approximately 11:00 a.m. (London time) two Business Days prior to the
      first day of such Interest Period.

      "EUROCURRENCY RATE COMMITTED LOAN" means a Committed Loan that bears
interest at a rate based on the Eurocurrency Rate. Eurocurrency Rate Committed
Loans that are Revolving Credit Loans may be denominated in Dollars or in an
Alternative Currency. Eurocurrency Rate Committed Loans that are Term Loans may
be denominated only in Dollars.

      "EUROCURRENCY RATE LOAN" means a Eurocurrency Rate Committed Loan or a
Eurocurrency Margin Bid Loan.

                                       15
<PAGE>

      "EUROCURRENCY RATE REVOLVING CREDIT LOAN" means a Eurocurrency Rate Loan
that is a Revolving Credit Loan.

      "EVENT OF DEFAULT" has the meaning specified in Section 8.01.

      "EXCHANGE COMPANIES" means Investment Property Exchange Services, Inc. and
any other Restricted Companies that are engaged in like-kind-exchange
operations.

      "EXISTING CREDIT AGREEMENT" means that certain Credit Agreement dated as
of March 9, 2005, as amended, among the Company and certain of its Subsidiaries,
Bank of America, as administrative agent, and a syndicate of lenders.

      "FACILITY" means the Term Facility, the Revolving Credit Facility, the US
Dollar Revolving Credit Facility, the Multicurrency Revolving Credit Facility,
the Swing Line Sublimit or the Letter of Credit Sublimit, as the context may
require.

      "FEDERAL FUNDS RATE" means, for any day, the rate per annum equal to the
weighted average of the rates on overnight Federal funds transactions with
members of the Federal Reserve System arranged by Federal funds brokers on such
day, as published by the Federal Reserve Bank of New York on the Business Day
next succeeding such day; provided that (a) if such day is not a Business Day,
the Federal Funds Rate for such day shall be such rate on such transactions on
the immediately preceding Business Day as so published on the next succeeding
Business Day, and (b) if no such rate is so published on such next succeeding
Business Day, the Federal Funds Rate for such day shall be the average rate
(rounded upward, if necessary, to a whole multiple of 1/100 of 1%) charged to
JPMCB on such day on such transactions as determined by the Administrative
Agent.

      "FEE LETTERS" means, collectively, (i) the letter agreement, dated
November 2, 2006, among the Company, the Arrangers and certain Affiliates of the
Arrangers and (ii) the letter agreement dated November 2, 2006, between the
Company and the Administrative Agent.

      "FNF" means an entity formerly known as Fidelity National Financial, Inc.,
a Delaware corporation, which entity was at one time prior to the Closing Date,
the parent of all of the other entities included in the Consolidated Companies.

      "FOREIGN LENDER" means, with respect to any Borrower, any Lender that is
organized under the laws of a jurisdiction other than that in which such
Borrower is resident for tax purposes. For purposes of this definition, the
United States, each State thereof and the District of Columbia shall be deemed
to constitute a single jurisdiction.

      "FOREIGN SUBSIDIARY" means any direct or indirect Subsidiary of the
Company which is not a Domestic Subsidiary.

      "FRB" means the Board of Governors of the Federal Reserve System of the
United States.

      "FUND" means any Person (other than a natural person) that is engaged in
making, purchasing, holding or otherwise investing in commercial loans and
similar extensions of credit.

                                       16
<PAGE>

      "GAAP" means generally accepted accounting principles in the United States
set forth in the opinions and pronouncements of the Accounting Principles Board
and the American Institute of Certified Public Accountants and statements and
pronouncements of the Financial Accounting Standards Board or such other
principles as may be approved by a significant segment of the accounting
profession in the United States, that are applicable to the circumstances as of
the date of determination, consistently applied.

      "GOVERNMENTAL AUTHORITY" means any nation or government, any state or
other political subdivision thereof, any agency, authority, instrumentality,
regulatory body, court, administrative tribunal, central bank or other entity
exercising executive, legislative, judicial, taxing, regulatory or
administrative powers or functions of or pertaining to government.

      "GRANTING LENDER" has the meaning specified in Section 11.07(i).

      "GUARANTEE" means, as to any Person, without duplication, (a) any
obligation, contingent or otherwise, of such Person guaranteeing or having the
economic effect of guaranteeing any Indebtedness or other obligation payable or
performable by another Person (the "PRIMARY OBLIGOR") in any manner, whether
directly or indirectly, and including any obligation of such Person, direct or
indirect, (i) to purchase or pay (or advance or supply funds for the purchase or
payment of) such Indebtedness or other obligation, (ii) to purchase or lease
property, securities or services for the purpose of assuring the obligee in
respect of such Indebtedness or other obligation of the payment or performance
of such Indebtedness or other obligation, (iii) to maintain working capital,
equity capital or any other financial statement condition or liquidity or level
of income or cash flow of the primary obligor so as to enable the primary
obligor to pay such Indebtedness or other obligation, or (iv) entered into for
the purpose of assuring in any other manner the obligee in respect of such
Indebtedness or other obligation of the payment or performance thereof or to
protect such obligee against loss in respect thereof (in whole or in part), or
(b) any Lien on any assets of such Person securing any Indebtedness or other
obligation of any other Person, whether or not such Indebtedness or other
obligation is assumed by such Person (or any right, contingent or otherwise, of
any holder of such Indebtedness to obtain any such Lien); provided that the term
"Guarantee" shall not include endorsements for collection or deposit, in either
case in the ordinary course of business, or customary and reasonable indemnity
obligations in effect on the Closing Date or entered into in connection with any
acquisition or Disposition of assets permitted under this Agreement (other than
such obligations with respect to Indebtedness). The amount of any Guarantee
shall be deemed to be an amount equal to the stated or determinable amount of
the related primary obligation, or portion thereof, in respect of which such
Guarantee is made or, if not stated or determinable, the maximum reasonably
anticipated liability in respect thereof as determined by the guaranteeing
Person in good faith. The term "Guarantee" as a verb has a corresponding
meaning.

      "GUARANTOR PARTY" has the meaning set forth in Section 10.01.

      "GUARANTORS" means, collectively, (i) each Guarantor Party and (ii) each
Subsidiary Guarantor.

      "GUARANTY" means, collectively, (i) the Guarantee by the Company and each
other Borrower set forth in Article 10 of this Agreement and (ii) each
Subsidiary Guaranty.

                                       17
<PAGE>

      "HAZARDOUS MATERIALS" means all explosive or radioactive substances or
wastes and all hazardous or toxic substances, wastes or other pollutants,
including petroleum or petroleum distillates, asbestos or asbestos-containing
materials, polychlorinated biphenyls, radon gas, infectious or medical wastes
and all other substances or wastes of any nature regulated pursuant to any
Environmental Law as hazardous, toxic, pollutants or contaminants or words of
similar meaning or effect.

      "HISTORICAL FINANCIAL STATEMENTS" has the meaning specified in Section
5.05(a).

      "HONOR DATE" has the meaning specified in Section 2.04(c)(i).

      "IMMATERIAL SUBSIDIARIES" means, as of any date of determination, those
Restricted Subsidiaries that, individually or collectively, for the four fiscal
quarter period ended most recently prior to such date of determination did not
generate more than 10% of the Consolidated EBITDA of the Restricted Companies.
No Borrower shall be deemed to be an Immaterial Subsidiary.

      "INDEBTEDNESS" means, as to any Person at a particular time, without
duplication, all of the following, whether or not included as indebtedness or
liabilities in accordance with GAAP:

            (a) all obligations of such Person for borrowed money and all
      obligations of such Person evidenced by bonds, debentures, notes, loan
      agreements or other similar instruments or agreements;

            (b) the maximum available amount of all letters of credit (including
      standby and commercial), bankers' acceptances, bank guaranties, surety
      bonds, performance bonds and similar instruments issued or created by or
      for the account of such Person;

            (c) net obligations of such Person under Swap Contracts (with the
      amount of such net obligations being deemed to be the aggregate Swap
      Termination Value thereof as of such date);

            (d) all obligations of such Person to pay the deferred purchase
      price of property or services (other than (i) trade accounts payable in
      the ordinary course of business, (ii) any earn-out obligation until such
      obligation appears in the liabilities section of the balance sheet of such
      Person, and (iii) any earn-out obligation that appears in the liabilities
      section of the balance sheet of such Person, to the extent (A) such Person
      is indemnified for the payment thereof by a solvent Person reasonably
      acceptable to the Administrative Agent or (B) amounts to be applied to the
      payment therefore are in escrow);

            (e) indebtedness (excluding prepaid interest thereon) secured by a
      Lien on property owned or being purchased by such Person (including
      indebtedness arising under conditional sales or other title retention
      agreements and mortgage, industrial revenue bond, industrial development
      bond and similar financings), whether or not such indebtedness shall have
      been assumed by such Person or is limited in recourse;

                                       18
<PAGE>

            (f) all Attributable Indebtedness;

            (g) all obligations of such Person in respect of Disqualified Equity
      Interests;

            (h) indebtedness or similar financing obligations of such Person
      under any Securitization Financing; and

            (i) all Guarantees of such Person in respect of any of the foregoing
      paragraphs.

      For all purposes hereof, the Indebtedness of any Person shall include the
Indebtedness of any partnership or joint venture (other than a joint venture
that is itself a corporation or limited liability company) in which such Person
is a general partner or a joint venturer, unless such Indebtedness is
non-recourse to such Person. The amount of Indebtedness of any Person for
purposes of clause (e) above shall be deemed to be equal to the lesser of (x)
the aggregate unpaid amount of such Indebtedness and (y) the fair market value
of the property encumbered thereby as determined by such Person in good faith.

      "INDEMNIFIED LIABILITIES" has the meaning set forth in Section 11.05.

      "INDEMNITEES" has the meaning set forth in Section 11.05.

      "INFORMATION" has the meaning specified in Section 11.09.

      "INTEREST COVERAGE RATIO" means, as of the end of any fiscal quarter of
the Company for the four fiscal quarter period ending on such date, the ratio of
(a) Consolidated EBITDA of the Company and its Subsidiaries for such period to
(b) Consolidated Interest Charges of the Company and its Consolidated
Subsidiaries for such period.

      "INTEREST PAYMENT DATE" means, (a) as to any Loan other than a Base Rate
Loan, the last day of each Interest Period applicable to such Loan and the
Maturity Date; provided that if any Interest Period for a Eurocurrency Rate Loan
exceeds three months, the respective dates that fall every three months after
the beginning of such Interest Period shall also be Interest Payment Dates; and
(b) as to any Base Rate Loan or any Specified Rate Loan, the last Business Day
of each March, June, September and December and the Maturity Date.

      "INTEREST PERIOD" means (a) as to each Eurocurrency Rate Loan, the period
commencing on the date such Eurocurrency Rate Loan is disbursed or (or in the
case of any Eurocurrency Rate Committed Loan) converted to or continued as a
Eurocurrency Rate Loan and ending on the date one week, two weeks, one month,
two months, three months or six months thereafter, or to the extent available
(as determined by each relevant Lender) to all relevant Lenders, nine or twelve
months thereafter, as selected by the Company in its Committed Loan Notice or
Bid Request, as the case may be (or, in the case of Eurocurrency Rate Committed
Loans, such other period as agreed by the Company and all applicable Lenders);
and (b) as to each Absolute Rate Loan, a period of not less than 14 days and not
more than 180 days as selected by the Company in its Bid Request; provided that:

                                       19
<PAGE>

            (i) any Interest Period that would otherwise end on a day that is
      not a Business Day shall be extended to the next succeeding Business Day
      unless, in the case of a Eurocurrency Rate Loan, such Business Day falls
      in another calendar month, in which case such Interest Period shall end on
      the immediately preceding Business Day;

            (ii) other than with respect to one and two week Interest Periods,
      any Interest Period pertaining to a Eurocurrency Rate Loan that begins on
      the last Business Day of a calendar month (or on a day for which there is
      no numerically corresponding day in the calendar month at the end of such
      Interest Period) shall end on the last Business Day of the calendar month
      at the end of such Interest Period; and

            (iii) no Interest Period shall extend beyond the Maturity Date.

      "INVESTMENT" means, as to any Person, any direct or indirect acquisition
or investment by such Person, whether by means of (a) the purchase or other
acquisition of Equity Interests or debt or other securities of another Person,
(b) a loan, advance or capital contribution to, Guarantee or assumption of debt
of, or purchase or other acquisition of any other debt or equity participation
or interest in, another Person, including any partnership or joint venture
interest in such other Person and any arrangement pursuant to which the investor
incurs debt of the type referred to in clause (h) of the definition of
"Indebtedness" set forth in this Section 1.01 in respect of such Person or (c)
the purchase or other acquisition (in one transaction or a series of
transactions) of all or substantially all of the property and assets or business
of another Person or assets constituting a business unit, line of business or
division of such Person. For all purposes of this Agreement, the amount of any
Investment shall be the amount actually invested, without adjustment for
subsequent increases or decreases in the value of such Investment.

      "IRS" means the United States Internal Revenue Service.

      "JOINT VENTURE" means (a) any Person which would constitute an "equity
method investee" of the Company or any of its Subsidiaries, (b) any other Person
designated by the Company in writing to the Administrative Agent (which
designation shall be irrevocable) as a "Joint Venture" for purposes of this
Credit Agreement and at least 50% but less than 100% of whose Equity Interests
are directly owned by the Company or any of its Subsidiaries, and (c) any Person
in whom the Company or any of its Subsidiaries beneficially owns any Equity
Interest that is not a Subsidiary.

      "JPMCB" means JPMorgan Chase Bank, N.A. and its successors.

      "LAWS" means, collectively, all applicable international, foreign,
Federal, state and local statutes, treaties, rules, guidelines, regulations,
ordinances, codes and administrative or judicial precedents or authorities,
including the interpretation or administration thereof by any Governmental
Authority charged with the enforcement, interpretation or administration
thereof, and all applicable administrative orders, directed duties, requests,
licenses, authorizations and permits of, and agreements with, any Governmental
Authority, in each case whether or not having the force of law.

                                       20
<PAGE>

      "L/C ADVANCE" means, with respect to each Revolving Credit Lender, such
Lender's funding of its participation in any L/C Borrowing in accordance with
its Pro Rata Share. All L/C Advances shall be denominated in Dollars.

      "L/C BORROWING" means an extension of credit resulting from a drawing
under any Letter of Credit which has not been reimbursed on the date when made
or refinanced as a Revolving Credit Borrowing. All L/C Borrowings shall be
denominated in Dollars.

      "L/C CREDIT EXTENSION" means, with respect to any Letter of Credit, the
issuance thereof or extension of the expiry date thereof, or the renewal or
increase of the amount thereof.

      "L/C ISSUER" means JPMCB or any other Revolving Lender (or Affiliate
thereof) that agrees in writing with the Company and the Administrative Agent to
act as an L/C Issuer, in each case in its capacity as issuer of Letters of
Credit hereunder, or any successor issuer of Letters of Credit hereunder.

      "L/C OBLIGATIONS" means, as at any date of determination, the aggregate
undrawn amount of all outstanding Letters of Credit plus the aggregate of all
Unreimbursed Amounts, including all L/C Borrowings.

      "LEASING COMPANIES" means Capital Leasing and its Subsidiaries.

      "LENDER" has the meaning specified in the introductory paragraph to this
Agreement and, as the context requires, includes the L/C Issuer and the Swing
Line Lender.

      "LENDER PARTIES" means, collectively, the Administrative Agent, the
Lenders, the Supplemental Administrative Agents (if any) and each co-agent or
sub-agent appointed by the Administrative Agent from time to time pursuant to
Section 9.02.

      "LENDING OFFICE" means, as to any Lender, the office or offices of such
Lender described as such in such Lender's Administrative Questionnaire, or such
other office or offices as a Lender may from time to time notify the Borrowers
and the Administrative Agent.

      "LETTER OF CREDIT" means any letter of credit issued hereunder. A Letter
of Credit may be a commercial letter of credit or a standby letter of credit.
Letters of Credit may be issued in Dollars or in an Alternative Currency.

      "LETTER OF CREDIT APPLICATION" means an application and agreement for the
issuance or amendment of a Letter of Credit in the form from time to time in use
by the L/C Issuer.

      "LETTER OF CREDIT EXPIRATION DATE" means the day that is five days prior
to the scheduled Maturity Date then in effect for the Revolving Credit Facility
(or, if such day is not a Business Day, the next preceding Business Day).

      "LETTER OF CREDIT SUBLIMIT" means an amount equal to $250,000,000. The
Letter of Credit Sublimit is part of, and not in addition to, the Multicurrency
Revolving Credit Facility.

                                       21
<PAGE>

      "LEVERAGE RATIO" means, as of the end of any fiscal quarter of the Company
for the four fiscal quarter period ending on such date, the ratio of (a) Total
Indebtedness on the last day of such period to (b) Consolidated EBITDA of the
Consolidated Companies for such period; provided that the amount of Total
Indebtedness determined pursuant to clause (a) above at any date shall be
reduced, in the case of any such Indebtedness of a Majority-Owned Subsidiary, by
an amount directly proportional to the amount (if any) by which Consolidated
EBITDA determined pursuant to clause (b) above for such date was reduced
(including through the calculation of Consolidated Net Income) by the
elimination of a minority interest in such Majority-Owned Subsidiary owned by a
Person other than a Consolidated Company.

      "LIEN" means any mortgage, pledge, hypothecation, assignment for security,
deposit arrangement for security, encumbrance, lien (statutory or other),
charge, or preference, priority or other security interest or preferential
arrangement of any kind or nature whatsoever (including any conditional sale or
other title retention agreement, any easement, right of way or other encumbrance
on title to real property, and any Capitalized Lease having substantially the
same economic effect as any of the foregoing but excluding operating leases).

      "LOAN" means an extension of credit by a Lender to a Borrower under
Article 2 in the form of a Term Loan, a Revolving Credit Loan, a Bid Loan or a
Swing Line Loan.

      "LOAN DOCUMENTS" means, collectively, (a) this Agreement, (b) the Notes,
(c) the Guaranty, (d) the Fee Letters, (e) each Letter of Credit Application and
(f) each Designated Borrower Request and Assumption Agreement.

      "LOAN PARTIES" means, collectively, the Company, each Guarantor and each
Designated Borrower.

      "MAJORITY-OWNED SUBSIDIARY" means a Consolidated Subsidiary that is not
wholly-owned (directly or indirectly) by the Company.

      "MANAGEMENT AGREEMENT" means each of the agreements set forth on Schedule
1.01C.

      "MANDATORY COST" means, with respect to any period, the percentage rate
per annum determined in accordance with Schedule 1.01A.

      "MATERIAL ADVERSE EFFECT" means (a) a material adverse effect on the
business, assets, liabilities, results of operations, or financial position of
the Company and its Subsidiaries, taken as a whole, (b) a material and adverse
effect on the ability of any Loan Party to perform its obligations under the
Loan Documents or (c) a material and adverse effect on the rights and remedies
of the Lenders under the Loan Documents.

      "MATERIAL COMPANIES" means the Company and all Restricted Subsidiaries
(other than Immaterial Subsidiaries).

      "MATURITY DATE" means the fifth anniversary of the Closing Date.

      "MAXIMUM RATE" has the meaning specified in Section 11.11.

                                       22
<PAGE>

      "MOODY'S" means Moody's Investors Service, Inc. and any successor thereto.

      "MULTICURRENCY REVOLVING CREDIT BORROWING" means a borrowing consisting of
simultaneous Multicurrency Revolving Credit Loans of the same Type and, in the
case of Eurocurrency Rate Loans, having the same Interest Period made by each of
the Multicurrency Revolving Credit Lenders pursuant to Section 2.01(b).

      "MULTICURRENCY REVOLVING CREDIT COMMITMENT" means, as to each
Multicurrency Revolving Credit Lender, its obligation to (a) make Multicurrency
Revolving Credit Loans to the Borrowers pursuant to Section 2.01(b), (b)
purchase participations in L/C Obligations, and (c) purchase participations in
Swing Line Loans, in an aggregate principal amount at any one time outstanding
not to exceed the Dollar amount set forth opposite such Lender's name on
Schedule 2.01 under the caption "Multicurrency Revolving Credit Commitment" or
in the Assignment and Assumption pursuant to which such Lender becomes a party
hereto under the caption "Multicurrency Revolving Credit Commitment", as
applicable, as such amount may be adjusted from time to time in accordance with
this Agreement. The aggregate Multicurrency Revolving Credit Commitments of all
Multicurrency Revolving Credit Lenders shall be $735,000,000 on the Closing
Date, as such amount may be adjusted from time to time in accordance with the
terms of this Agreement.

      "MULTICURRENCY REVOLVING CREDIT FACILITY" means, at any time, the
aggregate amount of the Multicurrency Revolving Credit Commitments at such time.

      "MULTICURRENCY REVOLVING CREDIT LENDER" means, at any time, any Lender
that has a Multicurrency Revolving Credit Commitment at such time.

      "MULTICURRENCY REVOLVING CREDIT LOAN" has the meaning specified in Section
2.01(b).

      "MULTICURRENCY REVOLVING CREDIT NOTE" means a promissory note of a
Borrower payable to any Multicurrency Revolving Credit Lender or its registered
assigns, in substantially the form of Exhibit D-3 hereto, evidencing the
aggregate indebtedness of such Borrower to such Multicurrency Revolving Credit
Lender resulting from the Multicurrency Revolving Credit Loans made by such
Multicurrency Revolving Credit Lender.

      "MULTIEMPLOYER PLAN" means any employee benefit plan of the type described
in Section 4001(a)(3) of ERISA, to which the Company or any ERISA Affiliate
makes or is obligated to make contributions, or during the preceding five plan
years, has made or been obligated to make contributions.

      "NET CASH PROCEEDS" means:

      (a) with respect to the Disposition of any asset by any Restricted Company
or any Casualty Event, the excess, if any, of (i) the sum of cash and Cash
Equivalents received in connection with such Disposition or Casualty Event
(including any cash or Cash Equivalents received by way of deferred payment
pursuant to, or by monetization of, a note receivable or otherwise, but only as
and when so received and, with respect to any Casualty Event, any insurance
proceeds or condemnation awards in respect of such Casualty Event actually
received

                                       23
<PAGE>

by or paid to or for the account of such Restricted Company) over (ii) the sum
of (A) the principal amount of any Indebtedness that is secured by the asset
subject to such Disposition or Casualty Event and that is repaid in connection
with such Disposition or Casualty Event (other than Indebtedness under the Loan
Documents), (B) the out-of-pocket expenses (including attorneys' fees,
investment banking fees, survey costs, title insurance premiums, and related
search and recording charges, transfer taxes, deed or mortgage recording taxes,
other customary expenses and brokerage, consultant and other customary fees)
actually incurred by such Restricted Company in connection with such Disposition
or Casualty Event, (C) taxes paid or reasonably estimated to be payable by such
Restricted Company or any of the direct or indirect members thereof and
attributable to such Disposition (including, in respect of any proceeds received
in connection with a Disposition or Casualty Event of any asset of any Foreign
Subsidiary, deductions in respect of withholding taxes that are or would be
payable in cash if such funds were repatriated to the United States), and (D)
any reserve for adjustment in respect of (1) the sale price of such asset or
assets established in accordance with GAAP and (2) any liabilities associated
with such asset or assets and retained by such Restricted Company after such
sale or other disposition thereof, including pension and other post-employment
benefit liabilities and liabilities related to environmental matters or against
any indemnification obligations associated with such transaction and it being
understood that "Net Cash Proceeds" shall include any cash or Cash Equivalents
(I) received upon the Disposition of any non-cash consideration received by such
Restricted Company in any such Disposition and (II) upon the reversal (without
the satisfaction of any applicable liabilities in cash in a corresponding
amount) of any reserve described in clause (D) of the preceding sentence or, if
such liabilities have not been satisfied in cash and such reserve not reversed
within 365 days after such Disposition or Casualty Event, the amount of such
reserve; provided that (x) no proceeds realized in a single transaction or
series of related transactions shall constitute Net Cash Proceeds unless such
proceeds shall exceed $5,000,000 and (y) no proceeds shall constitute Net Cash
Proceeds under this clause (a) in any fiscal year until the aggregate amount of
all such proceeds in such fiscal year shall exceed $25,000,000 (and thereafter
only proceeds in excess of such amount shall constitute Net Cash Proceeds under
this clause (a)); and

      (b) with respect to the incurrence or issuance of any Indebtedness by any
Restricted Company, the excess, if any, of (i) the sum of the cash received in
connection with such sale over (ii) the investment banking fees, underwriting
discounts, commissions, costs and other out-of-pocket expenses and other
customary expenses, incurred by such Restricted Company (or, in the case of
taxes, any member thereof) in connection with such incurrence or issuance and,
in the case of Indebtedness of any Foreign Subsidiary, deductions in respect of
withholding taxes that are or would otherwise be payable in cash if such funds
were repatriated to the United States.

      "NON-CONSENTING LENDER" has the meaning specified in Section 3.09(e).

      "NONRENEWAL NOTICE DATE" has the meaning specified in Section
2.04(b)(iii).

      "NOTE" means a Term Note or a Revolving Credit Note, as the context may
require.

      "OBLIGATIONS" means all advances to, and debts, liabilities, obligations,
covenants and duties of, any Loan Party arising under any Loan Document or
otherwise with respect to any Loan or Letter of Credit, whether direct or
indirect (including those acquired by assumption),

                                       24
<PAGE>

absolute or contingent, due or to become due, now existing or hereafter arising
and including interest and fees that accrue after the commencement by or against
any Loan Party of any proceeding under any Debtor Relief Laws naming such Person
as the debtor in such proceeding, regardless of whether such interest and fees
are allowed claims in such proceeding. Without limiting the generality of the
foregoing, the Obligations of the Loan Parties under the Loan Documents include
(a) the obligation to pay principal, interest, Letter of Credit commissions,
charges, expenses, fees, Attorney Costs, indemnities and other amounts payable
by any Loan Party under any Loan Document and (b) the obligation of any Loan
Party to reimburse any amount in respect of any of the foregoing that any
Lender, in its sole discretion, may elect to pay or advance on behalf of such
Loan Party.

      "ORGANIZATION DOCUMENTS" means, (a) with respect to any corporation, the
certificate or articles of incorporation and the bylaws (or equivalent or
comparable constitutive documents with respect to any non-US. jurisdiction); (b)
with respect to any limited liability company, the certificate or articles of
formation or organization and operating agreement; and (c) with respect to any
partnership, joint venture, trust or other form of business entity, the
partnership, joint venture or other applicable agreement of formation or
organization and any agreement, instrument, filing or notice with respect
thereto filed in connection with its formation or organization with the
applicable Governmental Authority in the jurisdiction of its formation or
organization and, if applicable, any certificate or articles of formation or
organization of such entity.

      "OTHER TAXES" has the meaning specified in Section 3.01(c).

      "OUTSTANDING AMOUNT" means (a) with respect to the Term Loans, Revolving
Credit Loans and Swing Line Loans on any date, the principal amount thereof (or,
in the case of the Revolving Credit Loans, the Dollar Equivalent amount thereof)
after giving effect to any borrowings and prepayments or repayments of Term
Loans, Revolving Credit Loans (including any refinancing of outstanding unpaid
drawings under Letters of Credit or L/C Borrowings as a Revolving Credit
Borrowing) and Swing Line Loans, as the case may be, occurring on such date; and
(b) with respect to any L/C Obligations on any date, the Dollar Equivalent
amount of the aggregate outstanding amount thereof on such date after giving
effect to any L/C Credit Extension occurring on such date and any other changes
thereto as of such date, including as a result of any reimbursements of
outstanding unpaid drawings under any Letters of Credit (including any
refinancing of outstanding unpaid drawings under Letters of Credit or L/C Credit
Extensions as a Revolving Credit Borrowing) or any reductions in the maximum
amount available for drawing under Letters of Credit taking effect on such date.

      "OVERNIGHT RATE" means, for any day, (a) with respect to any amount
denominated in Dollars, the Federal Funds Rate and (b) with respect to any
amount denominated in an Alternative Currency, the rate of interest per annum at
which overnight deposits in the applicable Alternative Currency, in an amount
approximately equal to the amount with respect to which such rate is being
determined, would be offered for such day by a branch or Affiliate of JPMCB in
the applicable offshore interbank market for such currency to major banks in
such interbank market.

      "PARTICIPANT" has the meaning specified in Section 11.07(f).

                                       25
<PAGE>

      "PARTICIPATING MEMBER STATE" means each state so described in any EMU
Legislation.

      "PBGC" means the Pension Benefit Guaranty Corporation.

      "PENSION PLAN" means any "employee pension benefit plan" (as such term is
defined in Section 3(2) of ERISA), other than a Multiemployer Plan, that is
subject to Title IV of ERISA and is sponsored or maintained by the Company or
any ERISA Affiliate or to which the Company or any ERISA Affiliate contributes
or has an obligation to contribute, or in the case of a multiple employer or
other plan described in Section 4064(a) of ERISA, has made contributions at any
time during the immediately preceding five plan years.

      "PERMITTED ACQUISITION" has the meaning specified in Section 7.02(h).

      "PERMITTED REFINANCING" means, with respect to any Person, any
modification, refinancing, refunding, renewal or extension of any Indebtedness
of such Person; provided that (a) the principal amount (or accreted value, if
applicable) thereof does not exceed the principal amount (or accreted value, if
applicable) of the Indebtedness so modified, refinanced, refunded, renewed or
extended except by an amount equal to unpaid accrued interest and premium
thereon plus other reasonable amount paid, and fees and expenses reasonably
incurred, in connection with such modification, refinancing, refunding, renewal
or extension and by an amount equal to any existing commitments unutilized
thereunder or as otherwise permitted pursuant to Section 7.03, (b) such
modification, refinancing, refunding, renewal or extension has a final maturity
date equal to or later than the final maturity date of, and has a Weighted
Average Life to Maturity equal to or greater than the Weighted Average Life to
Maturity of, the Indebtedness being modified, refinanced, refunded, renewed or
extended, (c) if the Indebtedness being modified, refinanced, refunded, renewed
or extended is subordinated in right of payment to the Obligations, such
modification, refinancing, refunding, renewal or extension is subordinated in
right of payment to the Obligations on terms at least as favorable to the
Lenders as those contained in the documentation governing the Indebtedness being
modified, refinanced, refunded, renewed or extended, taken as a whole, (d) the
terms and conditions (including, if applicable, as to collateral) of any such
modified, refinanced, refunded, renewed or extended Indebtedness are not
materially less favorable to the Loan Parties or the Lenders than the terms and
conditions of the Indebtedness being modified, refinanced, refunded, renewed or
extended, taken as a whole, (e) such modification, refinancing, refunding,
renewal or extension is incurred by the Person who is the obligor (or another of
the Restricted Companies, at the election of the Company, provided that if the
obligor is a Loan Party, such other Restricted Company must also be a Loan
Party) on the Indebtedness being modified, refinanced, refunded, renewed or
extended, and such new or additional obligors as are or become Loan Parties in
accordance with Section 6.12 and with respect to subordinated Indebtedness the
obligations of such obligors shall be subordinated in right of payment to the
Obligations on terms at least as favorable to the Lenders as those contained in
documentation governing the Indebtedness, taken as a whole and (f) at the time
thereof, no Event of Default shall have occurred and be continuing.

      "PERMITTED SUBORDINATED INDEBTEDNESS" means any unsecured Indebtedness
that (a) is expressly subordinated to the prior payment in full in cash of the
Obligations on terms not materially less favorable to the Lenders, taken as a
whole, than the terms set forth on Exhibit J hereto or on such other terms as
shall be reasonably acceptable to the Administrative Agent, (b)

                                       26
<PAGE>

is not scheduled to mature prior to the date that is 91 days after the scheduled
maturity date of the Term Loans (or any later scheduled maturity date of any
Additional Term Loans outstanding on the date of issuance of such Indebtedness),
(c) has no scheduled amortization or payments of principal prior to the
scheduled maturity date of the Term Loans (or any later scheduled maturity date
of any Additional Term Loans outstanding on the date of issuance of such
Indebtedness), and (d) in the case of such Indebtedness (or series of related
Indebtedness) in excess of the Threshold Amount, has mandatory prepayment,
repurchase or redemption provisions no more onerous or expansive in scope, taken
as a whole, than those contained in this Agreement for the Term Loans or are
otherwise reasonably acceptable to the Administrative Agent.

      "PERSON" means any natural person, corporation, limited liability company,
trust, joint venture, association, company, partnership, Governmental Authority
or other entity.

      "PLAN" means any "employee pension benefit plan" (as such term is defined
in Section 3(2) of ERISA) maintained or sponsored by the Company or, with
respect to any such plan that is subject to Section 412 of the Code or Title IV
of ERISA, any ERISA Affiliate.

      "PLATFORM" has the meaning specified in Section 6.02.

      "PRO FORMA BASIS", "PRO FORMA COMPLIANCE" and "PRO FORMA EFFECT" means,
for purposes of calculating compliance with the Leverage Ratio or each of the
financial covenants set forth in Section 7.10 in respect of a Specified
Transaction, that such Specified Transaction and the following transactions in
connection therewith shall be deemed to have occurred as of the first day of the
applicable period of measurement in such covenant: (a) income statement items
(whether positive or negative) attributable to the property or Person subject to
such Specified Transaction, in the case of a Permitted Acquisition or Investment
described in the definition of "Specified Transaction", shall be included, (b)
any retirement of Indebtedness, and (c) any Indebtedness incurred or assumed by
any Restricted Company in connection with such Specified Transaction, and if
such Indebtedness has a floating or formula rate, shall have an implied rate of
interest for the applicable period for purposes of this definition determined by
utilizing the rate which is or would be in effect with respect to such
Indebtedness as at the relevant date of determination; provided that the
foregoing pro forma adjustments may be applied to the Leverage Ratio and the
financial covenants set forth in Section 7.10 to the extent that such
adjustments are consistent with the definition of Consolidated EBITDA and may
take into account cost savings for which the necessary steps have been
implemented or are reasonably expected to be implemented within twelve months
after the closing of the applicable Permitted Acquisition.

      "PRO RATA SHARE" means, with respect to each Lender at any time, a
fraction (expressed as a percentage, carried out to the ninth decimal place),
the numerator of which is the amount of the Commitments of such Lender under the
applicable Facility or Facilities at such time and the denominator of which is
the amount of the Aggregate Commitments under the applicable Facility or
Facilities at such time.

      "PUBLIC LENDER" has the meaning specified in Section 6.02.

      "REGISTER" has the meaning set forth in Section 11.07(e).

                                       27
<PAGE>

      "REORGANIZATION" means the series of transactions in which the operations
of FNF and its Subsidiaries were reorganized such that (i) the Separated
Operations ceased to be owned, directly or indirectly, by FNF, (ii) FNF's
interests in Capital Leasing and its Subsidiaries were transferred to the
Company and (iii) FNF was merged into the Company.

      "REPORTABLE EVENT" means any of the events set forth in Section 4043(c) of
ERISA, other than events for which the 30-day notice period has been waived.

      "REQUEST FOR CREDIT EXTENSION" means (a) with respect to a Borrowing,
conversion or continuation of Term Loans or Revolving Credit Loans, a Committed
Loan Notice, (b) with respect to a Bid Loan, a Bid Request, (c) with respect to
an L/C Credit Extension, a Letter of Credit Application, and (d) with respect to
a Swing Line Loan, a Swing Line Loan Notice.

      "REQUIRED LENDERS" means, as of any date of determination, Lenders having
more than 50% of the sum of the (a) Total Outstandings (with the aggregate
amount of each Lender's risk participation and funded participation in L/C
Obligations and Swing Line Loans being deemed "held" by such Lender for purposes
of this definition), (b) aggregate unused Term Commitments, if any, and (c)
aggregate unused Revolving Credit Commitments, if any; provided that the unused
Term Commitment, unused Revolving Credit Commitment of, and the portion of the
Total Outstandings held or deemed held by, any Defaulting Lender shall be
excluded for purposes of making a determination of Required Lenders; provided
further that Bid Loans shall not be included in the determination of Total
Outstandings above except (x) for purposes of declaring Loans to be due and
payable pursuant to Section 8.02 and (y) for all purposes after the Loans become
due and payable pursuant to Section 8.02 or after the Aggregate Revolving Credit
Commitments expire or terminate.

      "RESPONSIBLE OFFICER" means the chief executive officer, president, any
vice president, chief financial officer, treasurer or assistant treasurer or
other similar officer of a Loan Party (or any other person duly authorized by a
Loan Party to act with respect to the Loan Documents on behalf of such Loan
Party) and, as to any document delivered on the Closing Date, secretary or
assistant secretary. Any document delivered hereunder that is signed by a
Responsible Officer of a Loan Party shall be conclusively presumed to have been
authorized by all necessary corporate, partnership and/or other action on the
part of such Loan Party and such Responsible Officer shall be conclusively
presumed to have acted on behalf of such Loan Party.

      "RESTRICTED COMPANIES" means the Company and its Restricted Subsidiaries,
and "RESTRICTED COMPANY" means any of the foregoing.

      "RESTRICTED PAYMENT" means any dividend or other distribution (whether in
cash, securities or other property) with respect to any Equity Interest of any
Restricted Company, or any payment (whether in cash, securities or other
property), including any sinking fund or similar deposit, on account of the
purchase, redemption, retirement, defeasance, acquisition, cancellation or
termination of any such Equity Interest, or on account of any return of capital
to the Company's stockholders, partners or members (or the equivalent Persons
thereof).

      "RESTRICTED SUBSIDIARY" means any Subsidiary of the Company other than an
Unrestricted Subsidiary (including in any event each Designated Borrower).

                                       28
<PAGE>

      "REVALUATION DATE" means (a) with respect to any Loan, each of the
following: (i) each date of a Borrowing of a Eurocurrency Rate Loan denominated
in an Alternative Currency, (ii) each date of a continuation of a Eurocurrency
Rate Loan denominated in an Alternative Currency pursuant to Section 2.02, and
(iii) such additional dates as the Administrative Agent shall determine or the
Required Lenders shall require; and (b) with respect to any Letter of Credit,
each of the following: (i) each date of issuance of a Letter of Credit
denominated in an Alternative Currency, (ii) each date of an amendment of any
such Letter of Credit having the effect of increasing the amount thereof (solely
with respect to the increased amount), (iii) each date of any payment by the L/C
Issuer under any Letter of Credit denominated in an Alternative Currency and
(iv) such additional dates as the Administrative Agent or the L/C Issuer shall
determine or the Required Lenders shall require.

      "REVOLVING CREDIT BORROWING" means a Multicurrency Revolving Credit
Borrowing or a US Dollar Revolving Credit Borrowing, as the context may require.

      "REVOLVING CREDIT COMMITMENT" means Multicurrency Revolving Credit
Commitment or US Dollar Revolving Credit Commitment, as the context may require.

      "REVOLVING CREDIT FACILITY" means, collectively, the US Dollar Revolving
Credit Facility and the Multicurrency Revolving Credit Facility.

      "REVOLVING CREDIT LENDER" means a Multicurrency Revolving Credit Lender or
a US Dollar Revolving Credit Lender, as the context may require.

      "REVOLVING CREDIT LOAN" has the meaning specified in Section 2.01(b).

      "S&P" means Standard & Poor's Ratings Services, a division of The
McGraw-Hill Companies, Inc., and any successor thereto.

      "SAME DAY FUNDS" means (a) with respect to disbursements and payments in
Dollars, immediately available funds, and (b) with respect to disbursements and
payments in an Alternative Currency, same day or other funds as may be
determined by the Administrative Agent or the L/C Issuer, as the case may be, to
be customary in the place of disbursement or payment for the settlement of
international banking transactions in the relevant Alternative Currency.

      "SEC" means the Securities and Exchange Commission, or any Governmental
Authority succeeding to any of its principal functions.

      "SECURITIZATION ASSETS" means any accounts receivable, royalty or revenue
streams, other financial assets, proceeds and books, records and other related
assets incidental to the foregoing subject to a Securitization Financing.

      "SECURITIZATION FINANCING" has the meaning referred to in Section 7.03(u).

      "SECURITIZATION VEHICLE" means one or more special purpose vehicles that
are, directly or indirectly, wholly-owned Subsidiaries of the Company and are
Persons organized for the limited purpose of entering into a Securitization
Financing by purchasing, or receiving by way of capital

                                       29
<PAGE>

contributions, sale or other transfer, assets from the Company and its
Subsidiaries and obtaining financing for such assets from third parties, and
whose structure is designed to insulate such vehicle from the credit risk of the
Company.

      "SEPARATED OPERATIONS" means Fidelity National Title Group, Sedgwick CMS,
Fidelity National Insurance Company and certain other assets of FNF and its
Subsidiaries (prior to giving effect to the Reorganization), excluding, however,
the Company and Capital Leasing and their respective Subsidiaries.

      "SOLVENT" and "SOLVENCY" mean, with respect to any Person on any date of
determination, that on such date (a) the fair value of the property of such
Person is greater than the total amount of liabilities, including contingent
liabilities, of such Person, (b) the present fair salable value of the assets of
such Person is not less than the amount that will be required to pay the
probable liability of such Person on its debts as they become absolute and
matured, (c) such Person does not intend to, and does not believe that it will,
incur debts or liabilities beyond such Person's ability to pay such debts and
liabilities as they mature and (d) such Person is not engaged in business or a
transaction, and is not about to engage in business or a transaction, for which
such Person's property would constitute an unreasonably small capital. The
amount of contingent liabilities at any time shall be computed as the amount
that, in light of all the facts and circumstances existing at such time,
represents the amount that can reasonably be expected to become an actual or
matured liability.

      "SPC" has the meaning specified in Section 11.07(i).

      "SPECIFIED NON-RECOURSE INDEBTEDNESS" has the meaning set forth in Section
7.03(f).

      "SPECIFIED RATE LOAN" means a loan that bears interest at a rate per annum
equal to (x) the Federal Funds Rate plus the Applicable Margin specified for
Eurocurrency Rate Revolving Credit Loans or (y) such other rate as may be agreed
between the Company and the Swing Line Lenders.

      "SPECIFIED RESPONSIBLE OFFICER" means the chief executive officer,
president, chief operating officer, chief financial officer, treasurer,
comptroller or general counsel of the Company.

      "SPECIFIED TRANSACTION" means, any Investment or incurrence of
Indebtedness in respect of which compliance with the financial covenants set
forth in Section 7.10 is by the terms of this Agreement required to be
calculated on a Pro Forma Basis.

      "SPOT RATE" for a currency means the rate determined by the Administrative
Agent or the L/C Issuer, as applicable, to be the rate quoted by the Person
acting in such capacity as the spot rate for the purchase by such Person of such
currency with another currency through its principal foreign exchange trading
office at approximately 11:00 a.m. on the date two Business Days prior to the
date as of which the foreign exchange computation is made; provided that the
Administrative Agent or the L/C Issuer may obtain such spot rate from another
financial institution designated by the Administrative Agent or the L/C Issuer
if the Person acting in such capacity does not have as of the date of
determination a spot buying rate for any such currency;

                                       30
<PAGE>

and provided further that the L/C Issuer may use such spot rate quoted on the
date as of which the foreign exchange computation is made in the case of any
Letter of Credit denominated in an Alternative Currency.

      "STERLING" and "(POUND)" mean the lawful currency of the United Kingdom.

      "SUBSIDIARY" of a Person means a corporation, partnership, joint venture,
limited liability company or other business entity of which a majority of the
shares of securities or other interests having ordinary voting power for the
election of directors or other governing body (other than securities or
interests having such power only by reason of the happening of a contingency)
are at the time beneficially owned, or the management of which is otherwise
controlled, directly, or indirectly through one or more intermediaries, or both,
by such Person. Unless otherwise specified, all references herein to a
"Subsidiary" or to "Subsidiaries" shall refer to a Subsidiary or Subsidiaries of
the Company.

      "SUBSIDIARY GUARANTOR" has the meaning specified in Section 6.12(a).

      "SUBSIDIARY GUARANTY" means, collectively, the guaranty in respect of the
Obligations made by those Subsidiaries of the Company that are Subsidiary
Guarantors in favor of the Administrative Agent on behalf of the Lenders,
substantially in the form of Exhibit G, together with any other guaranty and
guaranty supplement delivered pursuant to Section 6.12.

      "SUPPLEMENTAL ADMINISTRATIVE AGENT" has the meaning specified in Section
9.13 and "Supplemental Administrative Agents" shall have the corresponding
meaning.

      "SWAP CONTRACT" means (a) any and all rate swap transactions, basis swaps,
credit derivative transactions, forward rate transactions, commodity swaps,
commodity options, forward contracts, futures contracts, equity or equity index
swaps or options, bond or bond price or bond index swaps or options or forward
bond or forward bond price or forward bond index transactions, interest rate
options, forward foreign exchange transactions, cap transactions, floor
transactions, collar transactions, currency swap transactions, cross-currency
rate swap transactions, currency options, spot contracts, repurchase agreements,
reverse repurchase agreements, sell buy backs and buy sell back agreements, and
securities lending and borrowing agreements or any other similar transactions or
any combination of any of the foregoing (including any options to enter into any
of the foregoing), whether or not any such transaction is governed by or subject
to any master agreement, and (b) any and all transactions of any kind, and the
related confirmations, which are subject to the terms and conditions of, or
governed by, any form of master agreement published by the International Swaps
and Derivatives Association, Inc., any International Foreign Exchange Master
Agreement, or any other master agreement or related schedules, including any
such obligations or liabilities arising therefrom.

      "SWAP TERMINATION VALUE" means, in respect of any one or more Swap
Contracts, after taking into account the effect of any legally enforceable
netting agreement relating to such Swap Contracts, (a) for any date on or after
the date such Swap Contracts have been closed out and termination value(s)
determined in accordance therewith, such termination value(s), and (b) for any
date prior to the date referenced in clause (a), the amount(s) determined as the
mark-to-market value(s) for such Swap Contracts, as determined based upon one or
more mid-market or

                                       31
<PAGE>

other readily available quotations provided by any recognized dealer in such
Swap Contracts (which may include a Lender or any Affiliate of a Lender).

      "SWING LINE BORROWING" means a borrowing of a Swing Line Loan pursuant to
Section 2.05.

      "SWING LINE FACILITY" means the revolving credit facility made available
by the Swing Line Lenders pursuant to Section 2.05.

      "SWING LINE LENDER" means JPMCB or Bank of America in its capacity as
provider of Swing Line Loans, or any successor swing line lender hereunder.

      "SWING LINE LOAN" has the meaning specified in Section 2.05(a).

      "SWING LINE LOAN NOTICE" means a notice of a Swing Line Borrowing pursuant
to Section 2.05(b), which, if in writing, shall be substantially in the form of
Exhibit C.

      "SWING LINE SUBLIMIT" means an amount equal to $250,000,000. The Swing
Line Sublimit is part of, and not in addition to, the Multicurrency Revolving
Credit Facility.

      "TARGET DAY" means any day on which the Trans-European Automated Real-time
Gross Settlement Express Transfer (TARGET) payment system (or, if such payment
system ceases to be operative, such other payment system (if any) determined by
the Administrative Agent to be a suitable replacement) is open for the
settlement of payments in Euro.

      "TAXES" has the meaning specified in Section 3.01(a).

      "TERM BORROWING" means a borrowing consisting of simultaneous Term Loans
of the same Type and, in the case of Eurocurrency Rate Loans, having the same
Interest Period made by each of the Term Lenders pursuant to Section 2.01(a).

      "TERM COMMITMENT" means, as to each Term Lender, its obligation to make a
Term Loan to the Company pursuant to Section 2.01(a) in an aggregate amount not
to exceed the amount set forth opposite such Term Lender's name on Schedule 2.01
under the caption "Term Commitment" or in the Assignment and Assumption pursuant
to which such Term Lender becomes a party hereto, as applicable, as such amount
may be adjusted from time to time in accordance with this Agreement. The initial
aggregate amount of the Term Commitments is $2,100,000,000.

      "TERM FACILITY" means, at any time, (a) on or prior to the Closing Date,
the aggregate amount of the Term Commitments at such time and (b) thereafter,
the aggregate principal amount of the Term Loans of all Term Lenders outstanding
at such time.

      "TERM LENDER" means, at any time, any Lender that has a Term Commitment or
Term Loans at such time.

      "TERM LOAN" means a Loan made pursuant to Section 2.01(a).

                                       32
<PAGE>

      "TERM NOTE" means a promissory note of the Borrower payable to any Term
Lender or its registered assigns, in substantially the form of Exhibit D-1
hereto, evidencing the aggregate indebtedness of the Borrower to such Term
Lender resulting from the Term Loans made by such Term Lender.

      "THRESHOLD AMOUNT" means $150,000,000.

      "TOTAL ASSETS" means, at any time with respect to any Person, the total
assets appearing on the most recently prepared consolidated balance sheet of
such Person as of the end of the most recent fiscal quarter of such Person for
which such balance sheet is available, prepared in accordance with GAAP.

      "TOTAL CONSOLIDATED ASSETS" means, at any time, the total assets appearing
on the most recently prepared consolidated balance sheet of the Company and its
Consolidated Subsidiaries as of the end of the most recent fiscal quarter of the
Company and its Consolidated Subsidiaries for which such balance sheet is
available, prepared in accordance with GAAP.

      "TOTAL INDEBTEDNESS" means, without duplication, (a) the aggregate
Outstanding Amount of all Loans, the aggregate undrawn amount of all outstanding
trade Letters of Credit and all Unreimbursed Amounts and (b) all other
Indebtedness of the Consolidated Companies of the type referred to in clauses
(a), (b) (but solely in respect of letters of credit and bankers' acceptances,
and solely to the extent drawn and not yet reimbursed), (d), (e), (f) and (h) of
the definition thereof and all Guarantees of the Company and its Subsidiaries in
respect of such Indebtedness of any other Person, in each case other than
Specified Non-Recourse Indebtedness.

      "TOTAL OUTSTANDINGS" means the aggregate Outstanding Amount of all Loans
and all L/C Obligations.

      "TOTAL REVOLVING OUTSTANDINGS" means the aggregate Outstanding Amount of
all Revolving Credit Loans, all L/C Obligations, Bid Loans and Swing Line Loans.

      "TRANCHE" (a) when used with respect to Revolving Credit Lenders, refers
to whether such Lenders are Multicurrency Revolving Credit Lenders or US Dollar
Revolving Credit Lenders, (b) when used with respect to Revolving Credit
Commitments, refers to whether such Commitments are Multicurrency Revolving
Credit Commitments or US Dollar Revolving Credit Commitments and (c) when used
with respect to Revolving Credit Loans or a Revolving Credit Borrowing, refers
to whether such Loans, or the Loans comprising such Borrowing, are Multicurrency
Revolving Credit Loans or US Dollar Revolving Credit Loans.

      "TRANSACTION" means, collectively, (a) the execution, delivery and
performance by the Loan Parties of this Agreement, (b) the funding of the Term
Loans and (c) the payment of the fees and expenses incurred in connection with
any of the foregoing.

      "TYPE" means (a) with respect to a Committed Loan, its character as a Base
Rate Loan or a Eurocurrency Rate Loan and (b) with respect to a Bid Loan, its
character as an Absolute Rate Loan or a Eurocurrency Margin Bid Loan.

                                       33
<PAGE>

      "US DOLLAR REVOLVING CREDIT BORROWING " means a borrowing consisting of
simultaneous US Dollar Revolving Credit Loans of the same Type and, in the case
of Eurocurrency Rate Loans, having the same Interest Period made by each of the
US Dollar Revolving Credit Lenders pursuant to Section 2.01(b).

      "US DOLLAR REVOLVING CREDIT COMMITMENT" means, as to each US Dollar
Revolving Credit Lender, its obligation to make US Dollar Revolving Credit Loans
to the Company pursuant to Section 2.01(b) in an aggregate principal amount at
any one time outstanding not to exceed the Dollar amount set forth opposite such
Lender's name on Schedule 2.01 under the caption "US Dollar Revolving Credit
Commitment" or in the Assignment and Assumption pursuant to which such Lender
becomes a party hereto under the caption "US Dollar Revolving Credit
Commitment", as applicable, as such amount may be adjusted from time to time in
accordance with this Agreement. The aggregate US Dollar Revolving Credit
Commitments of all US Dollar Revolving Credit Lenders shall be $165,000,000 on
the Closing Date, as such amount may be adjusted from time to time in accordance
with the terms of this Agreement.

      "US DOLLAR REVOLVING CREDIT FACILITY" means, at any time, the aggregate
amount of the US Dollar Revolving Credit Commitments at such time.

      "US DOLLAR REVOLVING CREDIT LENDER" means, at any time, any Lender that
has a US Dollar Revolving Credit Commitment at such time.

      "US DOLLAR REVOLVING CREDIT NOTE" means a promissory note of the Company
payable to any US Dollar Revolving Credit Lender or its registered assigns, in
substantially the form of Exhibit D-2 hereto, evidencing the aggregate
indebtedness of the Company to such Revolving Credit Lender resulting from the
US Dollar Revolving Credit Loans made by such US Dollar Revolving Credit Lender.

      "U.S. LENDER" has the meaning set forth in Section 11.16(b).

      "UNITED STATES" and "U.S." mean the United States of America.

      "UNREIMBURSED AMOUNT" has the meaning set forth in Section 2.04(c)(i).

      "UNRESTRICTED SUBSIDIARY" means (a) each Subsidiary of the Company listed
on Schedule 1.01D and (b) any Subsidiary of the Company designated by the board
of directors of the Company as an Unrestricted Subsidiary pursuant to Section
6.14 subsequent to the Closing Date (and continuing until such time that such
designation may be thereafter revoked by the Company).

      "VAULT CASH OPERATIONS" means the vault cash or other arrangements
pursuant to which various financial institutions fund the cash requirements of
automated teller machines and cash access facilities operated by the
Consolidated Companies at customer locations.

      "WACHOVIA BANK" means Wachovia Bank, National Association and its
successors.

      "WACHOVIA CREDIT AGREEMENT" means the Amended and Restated Credit
Agreement dated as of February 1, 2006 between the Company and Wachovia Bank.

                                       34
<PAGE>

      "WEIGHTED AVERAGE LIFE TO MATURITY" means, when applied to any
Indebtedness at any date, the number of years obtained by dividing: (a) the sum
of the products obtained by multiplying (i) the amount of each then remaining
installment, sinking fund, serial maturity or other required payments of
principal, including payment at final maturity, in respect thereof, by (ii) the
number of years (calculated to the nearest one-twelfth) that will elapse between
such date and the making of such payment; by (b) the then outstanding principal
amount of such Indebtedness.

      Section 1.02. Other Interpretive Provisions. With reference to this
Agreement and each other Loan Document, unless otherwise specified herein or in
such other Loan Document:

      (a) The meanings of defined terms are equally applicable to the singular
and plural forms of the defined terms.

      (b) The words "herein," "hereto," "hereof" and "hereunder" and words of
similar import when used in any Loan Document shall refer to such Loan Document
as a whole and not to any particular provision thereof.

      (c) Article, Section, Exhibit and Schedule references are to the Loan
Document in which such reference appears.

      (d) The term "including" is by way of example and not limitation.

      (e) In the computation of periods of time from a specified date to a later
specified date, the word "from" means "from and including;" the words "to" and
"until" each mean "to but excluding;" and the word "through" means "to and
including."

      (f) Section headings herein and in the other Loan Documents are included
for convenience of reference only and shall not affect the interpretation of
this Agreement or any other Loan Document.

      Section 1.03. Accounting Terms. (a) All accounting terms not specifically
or completely defined herein shall be construed in conformity with, and all
financial data (including financial ratios and other financial calculations
pursuant to Section 7.10) required to be submitted pursuant to this Agreement
shall be prepared in conformity with, GAAP, as in effect from time to time,
applied on a basis consistent (except for changes concurred in by the Company's
independent public accountants) with the most recent audited consolidated
financial statements of the Company and its Subsidiaries delivered to the
Lenders pursuant to Section 6.01 or, prior to such delivery, the Historical
Financial Statements for the fiscal year ended December 31, 2005.

      (b) If at any time any change in GAAP would affect the computation of any
financial ratio set forth in any Loan Document, and either the Company or the
Required Lenders shall so request, the Administrative Agent and the Company
shall negotiate in good faith to amend such ratio to preserve the original
intent thereof in light of such change in GAAP (subject to the approval of the
Required Lenders); provided that, until so amended, (i) such ratio shall
continue to be computed in accordance with GAAP prior to such change therein and
(ii) the Company shall provide to the Administrative Agent and the Lenders a
written reconciliation in form

                                       35
<PAGE>

reasonably satisfactory to the Administrative Agent, between calculations of
such ratio made before and after giving effect to such change in GAAP.

      (c) Notwithstanding anything to the contrary contained herein, financial
ratios and other financial calculations pursuant to this Agreement shall,
following any Specified Transaction, be calculated on a Pro Forma Basis until
the completion of four full fiscal quarters following such Specified
Transaction.

      Section 1.04. Rounding. Any financial ratios required to be maintained by
the Borrowers pursuant to this Agreement (or required to be satisfied in order
for a specific action to be permitted under this Agreement) shall be calculated
by dividing the appropriate component by the other component, carrying the
result to one place more than the number of places by which such ratio is
expressed herein and rounding the result up or down to the nearest number (with
a rounding-up if there is no nearest number).

      Section 1.05. References to Agreements and Laws. Unless otherwise
expressly provided herein, (a) references to Organization Documents, agreements
(including the Loan Documents) and other contractual instruments shall be deemed
to include all subsequent amendments, restatements, extensions, supplements and
other modifications thereto, but only to the extent that such amendments,
restatements, extensions, supplements and other modifications are not prohibited
by any Loan Document; and (b) references to any Law shall include all statutory
and regulatory provisions consolidating, amending, replacing, supplementing or
interpreting such Law.

      Section 1.06. Times of Day. Unless otherwise specified, all references
herein to times of day shall be references to Eastern time (daylight or
standard, as applicable).

      Section 1.07. Timing of Payment or Performance. When the payment of any
obligation or the performance of any covenant, duty or obligation is stated to
be due or performance required on a day which is not a Business Day, the date of
such payment or performance shall extend to the immediately succeeding Business
Day and such extension of time shall be reflected in computing interest or fees,
as the case may be; provided that, with respect to any payment of interest on or
principal of Eurocurrency Rate Loans, if such extension would cause any such
payment to be made in the next succeeding calendar month, such payment shall be
made on the immediately preceding Business Day.

      Section 1.08. Exchange Rates; Currency Equivalents. (a) The Administrative
Agent or the L/C Issuer, as applicable, shall determine the Spot Rates as of
each Revaluation Date to be used for calculating Dollar Equivalent amounts of
Credit Extensions and Outstanding Amounts denominated in Alternative Currencies.
Such Spot Rates shall become effective as of such Revaluation Date and shall be
the Spot Rates employed in converting any amounts between the applicable
currencies until the next Revaluation Date to occur. Except for purposes of
financial statements delivered by Loan Parties hereunder or calculating
financial covenants hereunder or except as otherwise provided herein, the
applicable amount of any currency (other than Dollars) for purposes of the Loan
Documents shall be such Dollar Equivalent amount as so determined by the
Administrative Agent or the L/C Issuer, as applicable.

                                       36
<PAGE>

      (b) Wherever in this Agreement in connection with a Revolving Credit
Borrowing, conversion, continuation or prepayment of a Eurocurrency Rate
Revolving Credit Loan or the issuance, amendment or extension of a Letter of
Credit, an amount, such as a required minimum or multiple amount, is expressed
in Dollars, but such Revolving Credit Borrowing, Eurocurrency Rate Revolving
Credit Loan or Letter of Credit is denominated in an Alternative Currency, such
amount shall be the relevant Alternative Currency Equivalent of such Dollar
amount (rounded to the nearest unit of such Alternative Currency, with 0.5 of a
unit being rounded upward), as determined by the Administrative Agent or the L/C
Issuer, as the case may be.

      Section 1.09. Additional Alternative Currencies. (a) The Company may from
time to time request that Eurocurrency Rate Revolving Credit Loans be made
and/or Letters of Credit be issued in a currency other than those specifically
listed in the definition of "Alternative Currency;" provided that such requested
currency is a lawful currency (other than Dollars) that is readily available and
freely transferable and convertible into Dollars. In the case of any such
request with respect to the making of Eurocurrency Rate Revolving Credit Loans,
such request shall be subject to the approval of the Administrative Agent and
the Multicurrency Revolving Credit Lenders; and in the case of any such request
with respect to the issuance of Letters of Credit, such request shall be subject
to the approval of the Administrative Agent and the L/C Issuer.

      (b) Any such request shall be made to the Administrative Agent not later
than 11:00 a.m., 15 Business Days prior to the date of the desired Credit
Extension (or such earlier time or date as may be agreed by the Administrative
Agent and, in the case of any such request pertaining to Letters of Credit, the
L/C Issuer, in its or their sole discretion). In the case of any such request
pertaining to Eurocurrency Rate Revolving Credit Loans, the Administrative Agent
shall promptly notify each Multicurrency Revolving Credit Lender thereof; and in
the case of any such request pertaining to Letters of Credit, the Administrative
Agent shall promptly notify the L/C Issuer thereof. Each Multicurrency Revolving
Credit Lender (in the case of any such request pertaining to Eurocurrency Rate
Revolving Credit Loans) or the L/C Issuer (in the case of a request pertaining
to Letters of Credit) shall notify the Administrative Agent, not later than
11:00 a.m., ten Business Days after receipt of such request whether it consents,
in its sole discretion, to the making of Eurocurrency Rate Revolving Credit
Loans or the issuance of Letters of Credit, as the case may be, in such
requested currency.

      (c) Any failure by a Multicurrency Revolving Credit Lender or the L/C
Issuer, as the case may be, to respond to such request within the time period
specified in the preceding sentence shall be deemed to be a refusal by such
Lender or the L/C Issuer, as the case may be, to permit Eurocurrency Rate
Revolving Credit Loans to be made or Letters of Credit to be issued in such
requested currency. If the Administrative Agent and all the Multicurrency
Revolving Credit Lenders consent to making Eurocurrency Rate Revolving Credit
Loans in such requested currency, the Administrative Agent shall so notify the
Company and such currency shall thereupon be deemed for all purposes to be an
Alternative Currency hereunder for purposes of any Committed Borrowings of
Eurocurrency Rate Revolving Credit Loans; and if the Administrative Agent and
the L/C Issuer consent to the issuance of Letters of Credit in such requested
currency, the Administrative Agent shall so notify the Company and such currency
shall thereupon be deemed for all purposes to be an Alternative Currency
hereunder for purposes of any Letter of Credit issuances. If the Administrative
Agent shall fail to obtain consent to any

                                       37
<PAGE>

request for an additional currency under this Section 1.06, the Administrative
Agent shall promptly so notify the Company, it being acknowledged and agreed
that the Company shall be permitted to create a subtranche of the Multicurrency
Revolving Credit Facility in respect of such currency pursuant to and in
accordance with the last sentence of Section 2.01(b).

                                    ARTICLE 2
                      THE COMMITMENTS AND CREDIT EXTENSIONS

      Section 2.01. The Committed Loans. (a) The Term Borrowings. Subject to the
terms and conditions set forth herein, each Term Lender severally agrees to
make, on the Closing Date, a single loan in Dollars to the Company in an amount
equal to 100% of such Term Lender's Term Commitment. Amounts borrowed under this
Section 2.01(a) and repaid or prepaid may not be reborrowed. Term Loans may be
Base Rate Loans or Eurocurrency Rate Loans, as further provided herein.

      (b) The Revolving Credit Borrowings. Subject to the terms and conditions
set forth herein, (i) each US Dollar Revolving Credit Lender severally agrees to
make loans (each such loan, a "US DOLLAR REVOLVING CREDIT LOAN") to the Company
in Dollars from time to time, on any Business Day until the Maturity Date, in an
aggregate amount not to exceed at any time outstanding the amount of such
Lender's US Dollar Revolving Credit Commitment and (ii) each Multicurrency
Revolving Credit Lender severally agrees to make loans (each such loan, a
"MULTICURRENCY REVOLVING CREDIT LOAN" and, together with the Multicurrency
Revolving Credit Loans, the "REVOLVING CREDIT LOANS") to the Borrowers in
Dollars or in one or more Alternative Currencies from time to time, on any
Business Day until the Maturity Date, in an aggregate amount not to exceed at
any time outstanding the amount of such Lender's Multicurrency Revolving Credit
Commitment, provided that after giving effect to any Multicurrency Revolving
Credit Borrowing, (x) the aggregate Outstanding Amount of the Multicurrency
Revolving Credit Loans of any Lender, plus such Lender's Pro Rata Share of the
Outstanding Amount of all L/C Obligations, plus such Lender's Pro Rata Share of
the Outstanding Amount of all Swing Line Loans shall not exceed such Lender's
Multicurrency Revolving Credit Commitment, (y) the aggregate Outstanding Amount
of all Multicurrency Revolving Credit Loans denominated in Australian Dollars,
plus the Outstanding Amount of all L/C Obligations denominated in Australian
Dollars shall not exceed the Australian Dollar Sublimit and (z) the Total
Revolving Outstandings shall not exceed the Aggregate Revolving Credit
Commitments. Within the limits of each Lender's Revolving Credit Commitment, and
subject to the other terms and conditions hereof, a Borrower may borrow under
this Section 2.01(b), prepay under Section 2.06 and reborrow under this Section
2.01(b). Revolving Credit Loans may be Base Rate Loans or Eurocurrency Rate
Loans, as further provided herein. Notwithstanding the foregoing, in the event
the Borrowers desire to make a Revolving Credit Borrowing in a currency other
than Dollars or an Alternative Currency and some, but not all, of the
Multicurrency Revolving Credit Lenders are willing to fund such Borrowing in the
Borrowers' desired currency, the Borrowers shall be permitted, with the
reasonable consent of the Administrative Agent, to create a subtranche of the
Multicurrency Revolving Credit Facility in which only Multicurrency Revolving
Credit Lenders willing to fund in the desired currency (each, an "ADDITIONAL
ALTERNATIVE CURRENCY") shall participate, and with respect to such

                                       38
<PAGE>

subtranche, such Additional Alternative Currency shall be deemed to be an
Alternative Currency for all purposes hereof. Each Multicurrency Revolving
Credit Lender may, at its option, make any Multicurrency Revolving Credit Loan
denominated in an Alternative Currency available to any Designated Borrower that
is a Foreign Subsidiary by causing any foreign or domestic branch or Affiliate
of such Lender to make such Loan; provided that any exercise of such option
shall not affect the obligation of such Designated Borrower to repay such Loan
in accordance with the terms of this Agreement.

      Section 2.02. Borrowings, Conversions and Continuations of Committed
Loans. (a) Each Term Borrowing, each Revolving Credit Borrowing, each conversion
of Term Loans or Revolving Credit Loans from one Type to the other, and each
continuation of Eurocurrency Rate Committed Loans shall be made upon the
Company's irrevocable notice to the Administrative Agent, which may be given by
telephone. Each such notice must be received by the Administrative Agent not
later than (i) 1:00 p.m. three Business Days prior to the requested date of any
Borrowing of Eurocurrency Rate Committed Loans denominated in Dollars,
continuation of Eurocurrency Rate Committed Loans denominated in Dollars or any
conversion of Base Rate Committed Loans to Eurocurrency Rate Committed Loans
denominated in Dollars, (ii) 1:00 p.m. four Business Days prior to the requested
date of any Borrowing or continuation of Eurocurrency Rate Committed Loans
denominated in Alternative Currencies, and (iii) 12:00 p.m. on the requested
date of any Borrowing of Base Rate Committed Loans. Each telephonic notice by
the Company pursuant to this Section 2.02(a) must be confirmed promptly by
delivery to the Administrative Agent of a written Committed Loan Notice,
appropriately completed and signed by a Responsible Officer of the Company. Each
Borrowing of, conversion to or continuation of Eurocurrency Rate Committed Loans
shall be in a principal amount of $1,000,000 or a whole multiple of $1,000,000
in excess thereof. Except as provided in Section 2.04(c)(i) and Section
2.05(c)(i), each Committed Borrowing of or conversion to Base Rate Committed
Loans shall be in a principal amount of $500,000 or a whole multiple of $100,000
in excess thereof. Each Committed Loan Notice (whether telephonic or written)
shall specify (i) whether the Company is requesting a Term Borrowing, a
Revolving Credit Borrowing, a conversion of Term Loans or Revolving Credit Loans
from one Type to the other, or a continuation of Eurocurrency Rate Committed
Loans, (ii) the requested date of the Borrowing, conversion or continuation, as
the case may be (which shall be a Business Day), (iii) the principal amount of
Committed Loans to be borrowed, converted or continued, (iv) the Type of
Committed Loans to be borrowed or which existing Term Loans or Revolving Credit
Loans are to be converted, (v) if applicable, the duration of the Interest
Period with respect thereto, (vi) in the case of a Revolving Credit Borrowing,
the relevant currency and (vii) if applicable, the Designated Borrower. If the
Company fails to specify a currency in a Committed Loan Notice requesting a
Borrowing, then the Committed Loans so requested shall be made in Dollars. If
the Company fails to specify a Type of Loan in a Committed Loan Notice or fails
to give a timely notice requesting a conversion or continuation, then the
applicable Term Loans or Revolving Credit Loans shall be made as, or converted
to, a Eurocurrency Rate Committed Loan with an

                                       39
<PAGE>

Interest Period of one month (subject to the definition of Interest Period). Any
such automatic conversion to Eurocurrency Rate Committed Loans with an Interest
Period of one month shall be effective as of the last day of the Interest Period
then in effect with respect to the applicable Eurocurrency Rate Loans. If a
Borrower requests a Borrowing of, conversion to, or continuation of Eurocurrency
Rate Committed Loans in any such Committed Loan Notice, but fails to specify an
Interest Period, it will be deemed to have specified an Interest Period of one
month. No Committed Loan may be converted into or continued as a Committed Loan
denominated in a different currency, but instead must be prepaid in the original
currency of such Committed Loan and reborrowed in the other currency.

      (b) Following receipt of a Committed Loan Notice, the Administrative Agent
shall promptly notify each Appropriate Lender of the amount (and currency) of
its Pro Rata Share of the applicable Class of Loans, and if no timely notice of
a conversion or continuation is provided by the Company, the Administrative
Agent shall notify each Lender of the details of any automatic conversion to
Eurocurrency Rate Loans with an Interest Period of 1 month or continuation
described in Section 2.02(a). In the case of each Committed Borrowing, each
Appropriate Lender shall make the amount of its Committed Loan available to the
Administrative Agent in Same Day Funds at the Administrative Agent's Office for
the applicable currency not later than 1:00 p.m., in the case of any Committed
Loan denominated in Dollars, and not later than the Applicable Time specified by
the Administrative Agent in the case of any Committed Loan in an Alternative
Currency, in each case on the Business Day specified in the applicable Committed
Loan Notice. Upon satisfaction of the applicable conditions set forth in Section
4.02 (and, if such Borrowing is the initial Credit Extension, Section 4.01), the
Administrative Agent shall make all funds so received available to the relevant
Borrower in like funds as received by the Administrative Agent either by (i)
crediting the account of the relevant Borrower on the books of JPMCB with the
amount of such funds or (ii) wire transfer of such funds, in each case in
accordance with instructions provided to the Administrative Agent by the
Company; provided that if, on the date the Committed Loan Notice with respect to
such Borrowing is given by the Company, there are Swing Line Loans or L/C
Borrowings outstanding, then the proceeds of such Borrowing denominated in
Dollars shall be applied, first, to the payment in full of any such L/C
Borrowings, second, to the payment in full of any such Swing Line Loans, and
third, to the relevant Borrower as provided above.

      (c) Except as otherwise provided herein, a Eurocurrency Rate Committed
Loan may be continued or converted only on the last day of an Interest Period
for such Eurocurrency Rate Committed Loan unless the relevant Borrower pays the
amount due, if any, under Section 3.07 in connection therewith. During the
existence of an Event of Default, the Administrative Agent or the Required
Lenders may require that no Loans may be converted to or continued as
Eurocurrency Rate Loans.

      (d) The Administrative Agent shall promptly notify the Company and the
Lenders of the interest rate applicable to any Interest Period for Eurocurrency
Rate Committed Loans upon determination of such interest rate. The determination
of the Eurocurrency Rate by the Administrative Agent shall be conclusive in the
absence of manifest error. At any time that Base Rate Loans are outstanding, the
Administrative Agent shall notify the Company and the Lenders of any change in
JPMCB's prime rate used in determining the Base Rate promptly following the
public announcement of such change.

      (e) After giving effect to all Term Borrowings, all Revolving Credit
Borrowings, all conversions of Term Loans or Revolving Credit Loans from one
Type to the other, and all continuations of Term Loans or Revolving Credit Loans
as the same Type, there shall not be more than 20 Interest Periods in effect
with respect to Committed Loans.

                                       40
<PAGE>

      (f) The failure of any Lender to make the Committed Loan to be made by it
as part of any Borrowing shall not relieve any other Lender of its obligation,
if any, hereunder to make its Committed Loan on the date of such Borrowing, but
no Lender shall be responsible for the failure of any other Lender to make the
Committed Loan to be made by such other Lender on the date of any Borrowing.

      Section 2.03. Bid Loans. (a) General. Subject to the terms and conditions
set forth herein, each Revolving Credit Lender agrees that the Company may from
time to time request the Revolving Credit Lenders of any Tranche or both
Tranches to submit offers to make loans (each such loan, a "BID LOAN") to the
Company prior to the Maturity Date pursuant to this Section 2.03; provided,
however, that after giving effect to any Bid Borrowing, the Total Revolving
Outstandings shall not exceed the Aggregate Revolving Credit Commitments.

      (b) Requesting Competitive Bids. The Company may request the submission of
Competitive Bids by delivering a Bid Request to the Administrative Agent not
later than 12:00 noon (i) one Business Day prior to the requested date of any
Bid Borrowing that is to consist of Absolute Rate Loans, or (ii) four Business
Days prior to the requested date of any Bid Borrowing that is to consist of
Eurocurrency Margin Bid Loans. Each Bid Request shall specify (i) the requested
date of the Bid Borrowing (which shall be a Business Day), (ii) the aggregate
principal amount of Bid Loans requested (which must be $10,000,000 or a whole
multiple of $1,000,000 in excess thereof), (iii) the Type of Bid Loans
requested, (iv) the requested currency and (v) the duration of the Interest
Period with respect thereto, and shall be signed by a Responsible Officer of the
Company. No Bid Request shall contain a request for (i) more than one Type of
Bid Loan or (ii) Bid Loans having more than three different Interest Periods.
Unless the Administrative Agent otherwise agrees in its sole and absolute
discretion, the Company may not submit a Bid Request if it has submitted another
Bid Request within the prior five Business Days.

      (c) Submitting Competitive Bids.

            (i) The Administrative Agent shall promptly notify each Revolving
      Credit Lender of each Bid Request received by it from the Company and the
      contents of such Bid Request.

            (ii) Each Revolving Credit Lender may (but shall have no obligation
      to) submit a Competitive Bid containing an offer to make one or more Bid
      Loans in response to such Bid Request. Such Competitive Bid must be
      delivered to the Administrative Agent not later than 10:30 a.m. (A) on the
      requested date of any Bid Borrowing that is to consist of Absolute Rate
      Loans, and (B) three Business Days prior to the requested date of any Bid
      Borrowing that is to consist of Eurocurrency Margin Bid Loans; provided,
      however, that any Competitive Bid submitted by JPMCB in its capacity as a
      Revolving Credit Lender in response to any Bid Request must be submitted
      to the Administrative Agent not later than 10:15 a.m. on the date on which
      Competitive Bids are required to be delivered by the other Lenders in
      response to such Bid Request. Each Competitive Bid shall specify (A) the
      proposed date of the Bid Borrowing; (B) the principal amount of each Bid
      Loan for which such Competitive Bid is being made, which principal amount
      (x) may be equal to, greater than or less than the Commitment of the
      bidding Lender, (y) must be $5,000,000 or a whole multiple of $1,000,000
      in excess thereof, and (z) may not

                                       41
<PAGE>

      exceed the principal amount of Bid Loans for which Competitive Bids were
      requested; (C) if the proposed Bid Borrowing is to consist of Absolute
      Rate Bid Loans, the Absolute Rate offered for each such Bid Loan and the
      Interest Period applicable thereto; (D) the proposed currency of each Bid
      Loan; (E) if the proposed Bid Borrowing is to consist of Eurocurrency
      Margin Bid Loans, the Eurocurrency Bid Margin with respect to each such
      Eurocurrency Margin Bid Loan and the Interest Period applicable thereto;
      and (F) the identity of the bidding Lender.

            (iii) Any Competitive Bid shall be disregarded if it (A) is received
      after the applicable time specified in clause (ii) above, (B) is not
      substantially in the form of a Competitive Bid as specified herein, (C)
      contains qualifying, conditional or similar language, (D) proposes terms
      other than or in addition to those set forth in the applicable Bid
      Request, or (E) is otherwise not responsive to such Bid Request. Any
      Revolving Credit Lender may correct a Competitive Bid containing a
      manifest error by submitting a corrected Competitive Bid (identified as
      such) not later than the applicable time required for submission of
      Competitive Bids. Any such submission of a corrected Competitive Bid shall
      constitute a revocation of the Competitive Bid that contained the manifest
      error. The Administrative Agent may, but shall not be required to, notify
      any Revolving Credit Lender of any manifest error it detects in such
      Lender's Competitive Bid.

            (iv) Subject only to the provisions of Sections 3.02, 3.03 and 4.02
      and clause (iii) above, each Competitive Bid shall be irrevocable.

      (d) Notice to Company of Competitive Bids. Not later than 11:00 a.m. (i)
on the requested date of any Bid Borrowing that is to consist of Absolute Rate
Loans, or (ii) three Business Days prior to the requested date of any Bid
Borrowing that is to consist of Eurocurrency Margin Bid Loans, the
Administrative Agent shall notify the Company of the identity of each Lender
that has submitted a Competitive Bid that complies with Section 2.03(c) and of
the terms of the offers contained in each such Competitive Bid.

      (e) Acceptance of Competitive Bids. Not later than 12:00 p.m. (x) on the
requested date of any Bid Borrowing that is to consist of Absolute Rate Loans,
and (y) three Business Days prior to the requested date of any Bid Borrowing
that is to consist of Eurocurrency Margin Bid Loans, the Company shall notify
the Administrative Agent of its acceptance or rejection of the offers notified
to it pursuant to Section 2.03(d). The Company shall be under no obligation to
accept any Competitive Bid and may choose to reject all Competitive Bids. In the
case of acceptance, such notice shall specify the aggregate principal amount of
Competitive Bids for each Interest Period that is accepted. The Company may
accept any Competitive Bid in whole or in part; provided that:

            (i) the aggregate principal amount of each Bid Borrowing may not
      exceed the applicable amount set forth in the related Bid Request;

            (ii) the principal amount of each Bid Loan must be $5,000,000 or a
      whole multiple of $1,000,000 in excess thereof;

                                       42
<PAGE>

            (iii) the acceptance of offers may be made only on the basis of
      ascending Absolute Rates or Eurocurrency Bid Margins within each Interest
      Period; and

            (iv) the Company may not accept any offer regarding which the
      Administrative Agent has notified the Company that such offer is either
      (a) of the type described in Section 2.03(c)(iii) or (b) otherwise fails
      to comply with the requirements hereof.

      (f) Procedure for Identical Bids. If two or more Lenders have submitted
Competitive Bids at the same Absolute Rate or Eurocurrency Bid Margin, as the
case may be, for the same Interest Period, and the result of accepting all of
such Competitive Bids in whole (together with any other Competitive Bids at
lower Absolute Rates or Eurocurrency Bid Margins, as the case may be, accepted
for such Interest Period in conformity with the requirements of Section
2.03(e)(iii)) would be to cause the aggregate outstanding principal amount of
the applicable Bid Borrowing to exceed the amount specified therefor in the
related Bid Request, then, unless otherwise agreed by the Company, the
Administrative Agent and such Lenders, such Competitive Bids shall be accepted
as nearly as possible in proportion to the amount offered by each such Lender in
respect of such Interest Period, with such accepted amounts being rounded to the
nearest whole multiple of $1,000,000.

      (g) Notice to Lenders of Acceptance or Rejection of Bids. The
Administrative Agent shall promptly notify each Lender having submitted a
Competitive Bid whether or not its offer has been accepted and, if its offer has
been accepted, of the amount of the Bid Loan or Bid Loans to be made by it on
the date of the applicable Bid Borrowing. Any Competitive Bid or portion thereof
that is not accepted by the Company by the applicable time specified in Section
2.03(e) shall be deemed rejected.

      (h) Notice of Eurocurrency Rate. If any Bid Borrowing is to consist of
Eurocurrency Margin Loans, the Administrative Agent shall determine the
Eurocurrency Rate for the relevant Interest Period, and promptly after making
such determination, shall notify the Company and the Lenders that will be
participating in such Bid Borrowing of such Eurocurrency Rate.

      (i) Funding of Bid Loans. Each Lender that has received notice pursuant to
Section 2.03(g) that all or a portion of its Competitive Bid has been accepted
by the Company shall make the amount of its Bid Loan(s) available to the
Administrative Agent in immediately available funds at the Administrative
Agent's Office not later than 1:00 p.m. on the date of the requested Bid
Borrowing. Upon satisfaction of the applicable conditions set forth in Section
4.02, the Administrative Agent shall make all funds so received available to the
Company in like funds as received by the Administrative Agent.

      (j) Notice of Range of Bids. After each Competitive Bid auction pursuant
to this Section 2.03, the Administrative Agent shall notify each Lender that
submitted a Competitive Bid in such auction of the ranges of bids submitted
(without the bidder's name) and accepted for each Bid Loan and the aggregate
amount of each Bid Borrowing.

      Section 2.04. Letters of Credit. (a) The Letter of Credit Commitment. (i)
Subject to the terms and conditions set forth herein, (A) the L/C Issuer agrees,
in reliance upon the agreements

                                       43
<PAGE>

of the other Multicurrency Revolving Credit Lenders set forth in this Section
2.04, (1) from time to time on any Business Day during the period from the
Closing Date until the Letter of Credit Expiration Date, to issue Letters of
Credit denominated in Dollars or in one or more Alternative Currencies for the
account of the relevant Borrower and to amend or renew Letters of Credit
previously issued by it, in accordance with Section 2.04(b), and (2) to honor
drafts under the Letters of Credit; and (B) the Multicurrency Revolving Credit
Lenders severally agree to participate in Letters of Credit issued for the
account of the relevant Borrower; provided that the L/C Issuer shall not be
obligated to make any L/C Credit Extension with respect to any Letter of Credit,
and no Lender shall be obligated to participate in any Letter of Credit if as of
the date of such L/C Credit Extension or after giving effect thereto, (w) the
Total Revolving Outstandings would exceed the Aggregate Revolving Credit
Commitments, (x) the aggregate Outstanding Amount of the Multicurrency Revolving
Credit Loans of any Lender, plus such Lender's Pro Rata Share of the Outstanding
Amount of all L/C Obligations, plus such Lender's Pro Rata Share of the
Outstanding Amount of all Swing Line Loans would exceed such Lender's
Multicurrency Revolving Credit Commitment, (y) the Outstanding Amount of the L/C
Obligations would exceed the Letter of Credit Sublimit or (z) the aggregate
Outstanding Amount of all Multicurrency Revolving Credit Loans denominated in
Australian Dollars, plus the Outstanding Amount of all L/C Obligations
denominated in Australian Dollars would exceed the Australian Dollar Sublimit.
Within the foregoing limits, and subject to the terms and conditions hereof, the
Borrowers' ability to obtain Letters of Credit shall be fully revolving, and
accordingly the Borrowers may, during the foregoing period, obtain Letters of
Credit to replace Letters of Credit that have expired or that have been drawn
upon and reimbursed.

            (ii) The L/C Issuer shall be under no obligation to issue any Letter
      of Credit if:

                  (A) any order, judgment or decree of any Governmental
            Authority or arbitrator shall by its terms purport to enjoin or
            restrain the L/C Issuer from issuing such Letter of Credit, or any
            Law applicable to the L/C Issuer or any request or directive
            (whether or not having the force of law) from any Governmental
            Authority with jurisdiction over the L/C Issuer shall prohibit, or
            request that the L/C Issuer refrain from, the issuance of letters of
            credit generally or such Letter of Credit in particular or shall
            impose upon the L/C Issuer with respect to such Letter of Credit any
            restriction, reserve or capital requirement (for which the L/C
            Issuer is not otherwise compensated hereunder) not in effect on the
            Closing Date, or shall impose upon the L/C Issuer any unreimbursed
            loss, cost or expense which was not applicable on the Closing Date
            and which, in each case, the L/C Issuer in good faith deems material
            to it;

                  (B) subject to Section 2.04(b)(iii), the expiry date of such
            requested Letter of Credit would occur more than twelve months after
            the date of issuance or last renewal, unless the Multicurrency
            Revolving Credit Lenders (other than any Multicurrency Revolving
            Credit Lender that is a Defaulting Lender) have approved such expiry
            date;

                  (C) the expiry date of such requested Letter of Credit would
            occur after the Letter of Credit Expiration Date, unless all the
            Multicurrency Revolving

                                       44
<PAGE>

            Credit Lenders (other than any Multicurrency Revolving Credit Lender
            that is a Defaulting Lender) have approved such expiry date; or

                  (D) the issuance of such Letter of Credit would violate any
            Laws or one or more policies of the L/C Issuer.

            (iii) The L/C Issuer shall be under no obligation to amend any
      Letter of Credit if (A) the L/C Issuer would have no obligation at such
      time to issue such Letter of Credit in its amended form under the terms
      hereof, or (B) the beneficiary of such Letter of Credit does not accept
      the proposed amendment to such Letter of Credit.

      (b) Procedures for Issuance and Amendment of Letters of Credit;
Auto-Renewal Letters of Credit. (i) Each Letter of Credit shall be issued or
amended, as the case may be, upon the request of the Company delivered to the
L/C Issuer (with a copy to the Administrative Agent) in the form of a Letter of
Credit Application, appropriately completed and signed by a Responsible Officer
of the Company. Such Letter of Credit Application must be received by the L/C
Issuer and the Administrative Agent not later than 1:00 p.m. at least two
Business Days prior to the proposed issuance date or date of amendment, as the
case may be, or such later date and time as the L/C Issuer may agree in a
particular instance in its sole discretion. In the case of a request for an
initial issuance of a Letter of Credit, such Letter of Credit Application shall
specify in form and detail reasonably satisfactory to the L/C Issuer: (A) the
proposed issuance date of the requested Letter of Credit (which shall be a
Business Day); (B) the amount and currency thereof; (C) the expiry date thereof;
(D) the name and address of the beneficiary thereof; (E) the documents to be
presented by such beneficiary in case of any drawing thereunder; (F) the full
text of any certificate to be presented by such beneficiary in case of any
drawing thereunder; and (G) such other matters as the L/C Issuer may reasonably
request. In the case of a request for an amendment of any outstanding Letter of
Credit, such Letter of Credit Application shall specify in form and detail
reasonably satisfactory to the L/C Issuer: (1) the Letter of Credit to be
amended; (2) the proposed date of amendment thereof (which shall be a Business
Day); (3) the nature of the proposed amendment; and (4) such other matters as
the L/C Issuer may reasonably request. In the event that any Letter of Credit
Application includes representations and warranties, covenants and/or events of
default that do not contain the materiality qualifiers, exceptions or thresholds
that are applicable to the analogous provisions of this Agreement or other Loan
Documents, or are otherwise more restrictive, the relevant qualifiers,
exceptions and thresholds contained herein shall be incorporated therein or, to
the extent more restrictive, shall be deemed for purposes of such Letter of
Credit Application to be the same as the analogous provisions herein.

            (ii) Promptly after receipt of any Letter of Credit Application, the
      L/C Issuer will confirm with the Administrative Agent (by telephone or in
      writing) that the Administrative Agent has received a copy of such Letter
      of Credit Application from the Company and, if not, the L/C Issuer will
      provide the Administrative Agent with a copy thereof. Upon receipt by the
      L/C Issuer of confirmation from the Administrative Agent that the
      requested issuance or amendment is permitted in accordance with the terms
      hereof (such confirmation to be promptly provided by the Administrative
      Agent), then, subject to the terms and conditions hereof, the L/C Issuer
      shall, on the requested date, issue a Letter of Credit for the account of
      the relevant Borrower or enter into the

                                       45
<PAGE>

      applicable amendment, as the case may be. Immediately upon the issuance of
      each Letter of Credit, each Multicurrency Revolving Credit Lender shall be
      deemed to, and hereby irrevocably and unconditionally agrees to, purchase
      from the L/C Issuer a risk participation in such Letter of Credit in an
      amount equal to the product of such Lender's Pro Rata Share times the
      amount of such Letter of Credit.

            (iii) If the Company so requests in any applicable Letter of Credit
      Application, the L/C Issuer may, in its sole and absolute discretion,
      agree to issue a Letter of Credit that has automatic renewal provisions
      (each, an "AUTO-RENEWAL LETTER OF CREDIT"); provided that any such
      Auto-Renewal Letter of Credit must permit the L/C Issuer to prevent any
      such renewal at least once in each twelve month period (commencing with
      the date of issuance of such Letter of Credit) by giving prior notice to
      the beneficiary thereof not later than a day (the "NONRENEWAL NOTICE
      DATE") in each such twelve month period to be agreed upon at the time such
      Letter of Credit is issued. Unless otherwise directed by the L/C Issuer,
      the Company shall not be required to make a specific request to the L/C
      Issuer for any such renewal. Once an Auto-Renewal Letter of Credit has
      been issued, the Lenders shall be deemed to have authorized (but may not
      require) the L/C Issuer to permit the renewal of such Letter of Credit at
      any time to an expiry date not later than the Letter of Credit Expiration
      Date; provided that the L/C Issuer shall not permit any such renewal if
      (A) the L/C Issuer has determined that it would have no obligation at such
      time to issue such Letter of Credit in its renewed form under the terms
      hereof (by reason of the provisions of Section 2.04(a)(ii) or otherwise),
      or (B) it has received notice (which may be by telephone or in writing) on
      or before the day that is five Business Days before the Nonrenewal Notice
      Date from the Administrative Agent, any Multicurrency Revolving Credit
      Lender or the Company that one or more of the applicable conditions
      specified in Section 4.02 is not then satisfied.

            (iv) Promptly after its delivery of any Letter of Credit or any
      amendment to a Letter of Credit to an advising bank with respect thereto
      or to the beneficiary thereof, the L/C Issuer will also deliver to the
      Company and the Administrative Agent a true and complete copy of such
      Letter of Credit or amendment.

      (c) Drawings and Reimbursements; Funding of Participations. (i) Upon
receipt from the beneficiary of any Letter of Credit of any notice of a drawing
under such Letter of Credit, the L/C Issuer shall notify the Company and the
Administrative Agent thereof. In the case of a Letter of Credit denominated in
an Alternative Currency, the relevant Borrower shall reimburse the L/C Issuer in
such Alternative Currency, unless (A) the L/C Issuer (at its option) shall have
specified in such notice that it will require reimbursement in Dollars, or (B)
in the absence of any such requirement for reimbursement in Dollars, the Company
shall have notified the L/C Issuer promptly following receipt of the notice of
drawing that the relevant Borrower will reimburse the L/C Issuer in Dollars. In
the case of any such reimbursement in Dollars of a drawing under a Letter of
Credit denominated in an Alternative Currency, the L/C Issuer shall notify the
Company of the Dollar Equivalent of the amount of the drawing promptly following
the determination thereof. Not later than 3:00 p.m. on the date of any payment
by the L/C Issuer under a Letter of Credit to be reimbursed in Dollars, or the
Applicable Time on the date of any payment by the L/C Issuer under a Letter of
Credit to be reimbursed in an Alternative Currency (each such date, an "HONOR
DATE"), the Company shall reimburse the L/C Issuer through the

                                       46
<PAGE>

Administrative Agent in an amount equal to the amount of such drawing and in the
applicable currency; provided that if notice of such drawing is not provided to
the Company prior to 1:00 p.m. on the Honor Date, then the relevant Borrower
shall reimburse the L/C Issuer through the Administrative Agent in an amount
equal to the amount of such drawing and in the applicable currency on the next
succeeding Business Day and such extension of time shall be reflected in
computing fees in respect of any such Letter of Credit. If the relevant Borrower
fails to so reimburse the L/C Issuer by such time, the Administrative Agent
shall promptly notify each Multicurrency Revolving Credit Lender of the Honor
Date, the amount of the unreimbursed drawing (expressed in Dollars in the amount
of the Dollar Equivalent thereof in the case of a Letter of Credit denominated
in an Alternative Currency) (the "UNREIMBURSED AMOUNT"), and the amount of such
Multicurrency Revolving Credit Lender's Pro Rata Share thereof. In such event,
the Company shall be deemed to have requested a Revolving Credit Borrowing of
Base Rate Loans to be disbursed on the Honor Date in an amount equal to the
Unreimbursed Amount, without regard to the minimum and multiples specified in
Section 2.02(a) for the principal amount of Base Rate Loans but subject to the
amount of the unutilized portion of the Revolving Credit Commitments and the
conditions set forth in Section 4.02 (other than the delivery of a Committed
Loan Notice). Any notice given by the L/C Issuer or the Administrative Agent
pursuant to this Section 2.04(c)(i) may be given by telephone if immediately
confirmed in writing; provided that the lack of such an immediate confirmation
shall not affect the conclusiveness or binding effect of such notice.

            (ii) Each Multicurrency Revolving Credit Lender (including the
      Lender acting as L/C Issuer) shall upon any notice pursuant to Section
      2.04(c)(i) make funds available to the Administrative Agent for the
      account of the L/C Issuer at the Administrative Agent's Office for
      Dollar-denominated payments in an amount equal to its Pro Rata Share of
      the Unreimbursed Amount not later than 1:00 p.m. on the Business Day
      specified in such notice by the Administrative Agent, whereupon, subject
      to the provisions of Section 2.04(c)(iii), each Multicurrency Revolving
      Credit Lender that so makes funds available shall be deemed to have made a
      Base Rate Loan to the Company in such amount. The Administrative Agent
      shall remit the funds so received to the L/C Issuer in Dollars.

            (iii) With respect to any Unreimbursed Amount that is not fully
      refinanced by a Revolving Credit Borrowing of Base Rate Loans, the Company
      shall be deemed to have incurred from the L/C Issuer an L/C Borrowing in
      the amount of the Unreimbursed Amount that is not so refinanced, which L/C
      Borrowing shall be due and payable on demand (together with interest) and
      shall bear interest at the Default Rate. In such event, each Multicurrency
      Revolving Credit Lender's payment to the Administrative Agent for the
      account of the L/C Issuer pursuant to Section 2.04(c)(ii) shall be deemed
      payment in respect of its participation in such L/C Borrowing and shall
      constitute an L/C Advance from such Lender in satisfaction of its
      participation obligation under this Section 2.04.

            (iv) Until each Multicurrency Revolving Credit Lender funds its
      Revolving Credit Loan or L/C Advance pursuant to this Section 2.04(c) to
      reimburse the L/C Issuer for any amount drawn under any Letter of Credit,
      interest in respect of such Lender's Pro Rata Share of such amount shall
      be solely for the account of the L/C Issuer.

                                       47
<PAGE>

            (v) Each Multicurrency Revolving Credit Lender's obligation to make
      Revolving Credit Loans or L/C Advances to reimburse the L/C Issuer for
      amounts drawn under Letters of Credit, as contemplated by this Section
      2.04(c), shall be absolute and unconditional and shall not be affected by
      any circumstance, including (A) any setoff, counterclaim, recoupment,
      defense or other right which such Lender may have against the L/C Issuer,
      the Borrowers or any other Person for any reason whatsoever; (B) the
      occurrence or continuance of a Default; or (C) any other occurrence, event
      or condition, whether or not similar to any of the foregoing; provided
      that each Multicurrency Revolving Credit Lender's obligation to make
      Revolving Credit Loans pursuant to this Section 2.04(c) is subject to the
      conditions set forth in Section 4.02 (other than delivery by a Borrower of
      a Committed Loan Notice ). No such making of an L/C Advance shall relieve
      or otherwise impair the obligation of any Borrower to reimburse the L/C
      Issuer for the amount of any payment made by the L/C Issuer under any
      Letter of Credit, together with interest as provided herein.

            (vi) If any Multicurrency Revolving Credit Lender fails to make
      available to the Administrative Agent for the account of the L/C Issuer
      any amount required to be paid by such Lender pursuant to the foregoing
      provisions of this Section 2.04(c) by the time specified in Section
      2.04(c)(ii), the L/C Issuer shall be entitled to recover from such Lender
      (acting through the Administrative Agent), on demand, such amount with
      interest thereon for the period from the date such payment is required to
      the date on which such payment is immediately available to the L/C Issuer
      at a rate per annum equal to the applicable Overnight Rate from time to
      time in effect. If such Lender pays such amount (with interest as
      aforesaid), the amount so paid shall constitute such Lender's Committed
      Loan included in the relevant Committed Borrowing or L/C Advance in
      respect of the relevant L/C Borrowing, as the case may be. A certificate
      of the L/C Issuer submitted to any Multicurrency Revolving Credit Lender
      (through the Administrative Agent) with respect to any amounts owing under
      this Section 2.04(c)(vi) shall be conclusive absent manifest error.

      (d) Repayment of Participations. (i) If, at any time after the L/C Issuer
has made a payment under any Letter of Credit and has received from any
Multicurrency Revolving Credit Lender such Lender's L/C Advance in respect of
such payment in accordance with Section 2.04(c), the Administrative Agent
receives for the account of the L/C Issuer any payment in respect of the related
Unreimbursed Amount or interest thereon (whether directly from a Borrower or
otherwise, including proceeds of Cash Collateral applied thereto by the
Administrative Agent), the Administrative Agent will distribute to such Lender
its Pro Rata Share thereof in Dollars and in the same funds as those received by
the Administrative Agent.

            (ii) If any payment received by the Administrative Agent for the
      account of the L/C Issuer pursuant to Section 2.04(c)(i) is required to be
      returned under any of the circumstances described in Section 11.06
      (including pursuant to any settlement entered into by the L/C Issuer in
      its discretion), each Multicurrency Revolving Credit Lender shall pay to
      the Administrative Agent for the account of the L/C Issuer its Pro Rata
      Share thereof on demand of the Administrative Agent, plus interest thereon
      from the date of such demand to the date such amount is returned by such
      Lender, at a rate per annum equal to the applicable Overnight Rate from
      time to time in effect.

                                       48
<PAGE>

      (e) Obligations Absolute. The obligation of the Borrowers to reimburse the
L/C Issuer for each drawing under each Letter of Credit and to repay each L/C
Borrowing shall be absolute, unconditional and irrevocable, and shall be paid
strictly in accordance with the terms of this Agreement under all circumstances,
including the following:

            (i) any lack of validity or enforceability of such Letter of Credit,
      this Agreement, or any other Loan Document;

            (ii) the existence of any claim, counterclaim, setoff, defense or
      other right that any Borrower may have at any time against any beneficiary
      or any transferee of such Letter of Credit (or any Person for whom any
      such beneficiary or any such transferee may be acting), the L/C Issuer or
      any other Person, whether in connection with this Agreement, the
      transactions contemplated hereby or by such Letter of Credit or any
      agreement or instrument relating thereto, or any unrelated transaction;

            (iii) any draft, demand, certificate or other document presented
      under such Letter of Credit proving to be forged, fraudulent, invalid or
      insufficient in any respect or any statement therein being untrue or
      inaccurate in any respect; or any loss or delay in the transmission or
      otherwise of any document required in order to make a drawing under such
      Letter of Credit;

            (iv) any payment by the L/C Issuer under such Letter of Credit
      against presentation of a draft or certificate that does not strictly
      comply with the terms of such Letter of Credit; or any payment made by the
      L/C Issuer under such Letter of Credit to any Person purporting to be a
      trustee in bankruptcy, debtor-in-possession, assignee for the benefit of
      creditors, liquidator, receiver or other representative of or successor to
      any beneficiary or any transferee of such Letter of Credit, including any
      arising in connection with any proceeding under any Debtor Relief Law;

            (v) any release or amendment or waiver of or consent to departure
      from the Guaranty or any other guarantee, for all or any of the
      Obligations of the Borrowers in respect of such Letter of Credit;

            (vi) any adverse change in the relevant exchange rates or in the
      availability of the relevant Alternative Currency to a Borrower or in the
      relevant currency markets generally; or

            (vii) any other circumstance or happening whatsoever, whether or not
      similar to any of the foregoing, including any other circumstance that
      might otherwise constitute a defense available to, or a discharge of, the
      Borrowers;

provided that the foregoing shall not excuse the L/C Issuer from liability to
the Borrowers to the extent of any direct damages (as opposed to consequential
damages, claims in respect of which are waived by the Borrowers to the extent
permitted by applicable law) suffered by the Borrowers that are caused by the
L/C Issuer's gross negligence or willful misconduct. The Borrowers shall
promptly examine a copy of each Letter of Credit and each amendment thereto that
is delivered to it and, in the event of any claim of noncompliance with the
relevant

                                       49
<PAGE>

Borrower's instructions or other irregularity, such Borrower will promptly
notify the L/C Issuer. The Borrowers shall be conclusively deemed to have waived
any such claim against the L/C Issuer and its correspondents unless such notice
is given as aforesaid.

      (f) Role of L/C Issuer. Each Lender and the Borrowers agree that, in
paying any drawing under a Letter of Credit, the L/C Issuer shall not have any
responsibility to obtain any document (other than any sight draft, certificates
and documents expressly required by the Letter of Credit) or to ascertain or
inquire as to the validity or accuracy of any such document or the authority of
the Person executing or delivering any such document. None of the L/C Issuer,
any Agent-Related Person nor any of the respective correspondents, participants
or assignees of the L/C Issuer shall be liable to any Lender for (i) any action
taken or omitted in connection herewith at the request or with the approval of
the Lenders or the Required Lenders, as applicable; (ii) any action taken or
omitted in the absence of gross negligence or willful misconduct; or (iii) the
due execution, effectiveness, validity or enforceability of any document or
instrument related to any Letter of Credit or Letter of Credit Application. The
Borrowers hereby assume all risks of the acts or omissions of any beneficiary or
transferee with respect to its use of any Letter of Credit; provided that this
assumption is not intended to, and shall not, preclude the Borrowers from
pursuing such rights and remedies as it may have against the beneficiary or
transferee at Law or under this Agreement or any other agreement. None of the
L/C Issuer, any Agent-Related Person, nor any of the respective correspondents,
participants or assignees of the L/C Issuer, shall be liable or responsible for
any of the matters described in clauses (i) through (vii) of Section 2.04(e);
provided that anything in such clauses to the contrary notwithstanding, the
Borrowers may have a claim against the L/C Issuer, and the L/C Issuer may be
liable to the Borrowers, to the extent, but only to the extent, of any direct,
as opposed to consequential or exemplary, damages suffered by a Borrower which
such Borrower proves were caused by the L/C Issuer's willful misconduct or gross
negligence or the L/C Issuer's willful or grossly negligent failure to pay under
any Letter of Credit after the presentation to it by the beneficiary of a sight
draft and certificate(s) strictly complying with the terms and conditions of a
Letter of Credit. In furtherance and not in limitation of the foregoing, the L/C
Issuer may accept documents that appear on their face to be in order, without
responsibility for further investigation, regardless of any notice or
information to the contrary, and the L/C Issuer shall not be responsible for the
validity or sufficiency of any instrument transferring or assigning or
purporting to transfer or assign a Letter of Credit or the rights or benefits
thereunder or proceeds thereof, in whole or in part, which may prove to be
invalid or ineffective for any reason.

      (g) Cash Collateral. Upon the request of the Administrative Agent, (i) if
the L/C Issuer has honored any full or partial drawing request under any Letter
of Credit and such drawing has resulted in an L/C Borrowing and the conditions
set forth in Section 4.02 to a Revolving Credit Borrowing cannot then be met, or
(ii) if, as of the Letter of Credit Expiration Date, any Letter of Credit may
for any reason remain outstanding and partially or wholly undrawn, the relevant
Borrower shall, within three Business Days, Cash Collateralize the then
Outstanding Amount of all L/C Obligations (in an amount equal to such
Outstanding Amount determined as of the date of such L/C Borrowing or the Letter
of Credit Expiration Date, as the case may be) or, in the case of clause (ii),
provide a back-to-back letter of credit in a face amount at least equal to the
then undrawn amount of such Letter of Credit from an issuer and in form and
substance reasonably satisfactory to the L/C Issuer. Unless at the option of the
Company, Cash Collateral

                                       50
<PAGE>

was deposited in the foreign currency in which the applicable Letter of Credit
was issued, the Administrative Agent may, at any time and from time to time
after the initial deposit of Cash Collateral, request that additional Cash
Collateral be provided in order to protect against the results of exchange rate
fluctuations. For purposes hereof, "CASH COLLATERALIZE" means to pledge and
deposit with or deliver to the Administrative Agent, for the benefit of the L/C
Issuer and the Lenders, as collateral for the L/C Obligations, cash or deposit
account balances ("CASH COLLATERAL") pursuant to documentation in form and
substance reasonably satisfactory to the Administrative Agent and the L/C Issuer
(which documents are hereby consented to by the Lenders). Derivatives of such
term have corresponding meanings. Cash Collateral shall be maintained in a Cash
Collateral Account. If at any time the Administrative Agent determines that any
funds held as Cash Collateral are subject to any right or claim of any Person
other than rights or claims of the Administrative Agent arising by operation of
law or that the total amount of such funds is less than the aggregate
Outstanding Amount of all L/C Obligations, the Borrowers will, forthwith upon
demand by the Administrative Agent, pay to the Administrative Agent, as
additional funds to be deposited and held in the Cash Collateral Account, an
amount equal to the excess of (a) such aggregate Outstanding Amount over (b) the
total amount of funds, if any, then held as Cash Collateral that the
Administrative Agent determines to be free and clear of any such right and
claim. Upon the drawing of any Letter of Credit for which funds are on deposit
as Cash Collateral, such funds shall be applied, to the extent permitted under
applicable Law, to reimburse the L/C Issuer. To the extent the amount of any
Cash Collateral exceeds the aggregate Outstanding Amount of all L/C Obligations
and so long as no Event of Default has occurred and is continuing, the excess
shall be refunded to the Borrowers.

      (h) Applicability of ISP98 and UCP. Unless otherwise expressly agreed by
the L/C Issuer and the Company when a Letter of Credit is issued, (i) the rules
of the "International Standby Practices 1998" published by the Institute of
International Banking Law & Practice (or such later version thereof as may be in
effect at the time of issuance) shall apply to each standby Letter of Credit,
and (ii) the rules of the Uniform Customs and Practice for Documentary Credits,
as most recently published by the International Chamber of Commerce at the time
of issuance shall apply to each commercial Letter of Credit.

      (i) Letter of Credit Fees. The Borrowers shall pay to the Administrative
Agent for the account of each Multicurrency Revolving Credit Lender in
accordance with its Pro Rata Share a Letter of Credit fee for each Letter of
Credit issued for the account of a Borrower equal to the Applicable Margin times
the Dollar Equivalent of the daily maximum amount then available to be drawn
under such Letter of Credit (whether or not such maximum amount is then in
effect under such Letter of Credit if such maximum amount increases periodically
pursuant to the terms of such Letter of Credit). Such letter of credit fees
shall be computed on a quarterly basis in arrears. Such letter of credit fees
shall be due and payable on the first Business Day after the end of each March,
June, September and December, commencing with the first such date to occur after
the issuance of such Letter of Credit, on the Letter of Credit Expiration Date
and thereafter on demand. If there is any change in the Applicable Margin during
any quarter, the daily maximum amount of each Letter of Credit shall be computed
and multiplied by the Applicable Margin separately for each period during such
quarter that such Applicable Margin was in effect.

      (j) Fronting Fee and Documentary and Processing Charges Payable to L/C
Issuer. The Borrowers shall pay directly to the L/C Issuer for its own account,
in Dollars, a fronting fee

                                       51
<PAGE>

with respect to each Letter of Credit issued for the account of a Borrower equal
to 0.125% per annum (or, in the case of any L/C Issuer, any lesser percentage
that may be agreed by the Borrowers and such L/C Issuer) of the Dollar
Equivalent of the daily maximum amount then available to be drawn under such
Letter of Credit (whether or not such maximum amount is then in effect under
such Letter of Credit if such maximum amount increases periodically pursuant to
the terms of such Letter of Credit). Such fronting fees shall be computed on a
quarterly basis in arrears. Such fronting fees shall be due and payable on the
first Business Day after the end of each March, June, September and December,
commencing with the first such date to occur after the issuance of such Letter
of Credit, on the Letter of Credit Expiration Date and thereafter on demand. In
addition, the Borrowers shall pay directly to the L/C Issuer for its own
account, in Dollars, the customary issuance, presentation, amendment and other
processing fees, and other standard costs and charges, of the L/C Issuer
relating to letters of credit as from time to time in effect. Such customary
fees and standard costs and charges are due and payable within five Business
Days of demand and are nonrefundable.

      (k) Conflict with Letter of Credit Application. In the event of any
conflict between the terms hereof and the terms of any Letter of Credit
Application, the terms hereof shall control.

      Section 2.05. Swing Line Loans. (a) The Swing Line. Subject to the terms
and conditions set forth herein, the Swing Line Lenders agree to make loans in
Dollars (each such loan, a "SWING LINE LOAN") to the Company from time to time
on any Business Day (other than the Closing Date) until the Maturity Date in an
aggregate amount not to exceed at any time outstanding the amount of the Swing
Line Sublimit, notwithstanding the fact that such Swing Line Loans, when
aggregated with the Pro Rata Share of the Outstanding Amount of Multicurrency
Revolving Credit Loans and L/C Obligations of any Lender acting as Swing Line
Lender, may exceed the amount of such Lender's Multicurrency Revolving Credit
Commitment; provided that after giving effect to any Swing Line Loan, (x) the
Total Revolving Outstandings shall not exceed the Aggregate Revolving Credit
Commitments and (y) the aggregate Outstanding Amount of the Multicurrency
Revolving Credit Loans of any Lender, plus such Lender's Pro Rata Share of the
Outstanding Amount of all L/C Obligations, plus such Lender's Pro Rata Share of
the Outstanding Amount of all Swing Line Loans shall not exceed such Lender's
Multicurrency Revolving Credit Commitment; provided further that the Company
shall not use the proceeds of any Swing Line Loan to refinance any outstanding
Swing Line Loan. Within the foregoing limits, and subject to the other terms and
conditions hereof, the Company may borrow under this Section 2.05, prepay under
Section 2.06 and reborrow under this Section 2.05. Each Swing Line Loan shall be
a Specified Rate Loan. Immediately upon the making of a Swing Line Loan, each
Multicurrency Revolving Credit Lender shall be deemed to, and hereby irrevocably
and unconditionally agrees to, purchase from the Swing Line Lenders a risk
participation in such Swing Line Loan in an amount equal to the product of such
Lender's Pro Rata Share times the amount of such Swing Line Loan.

      (b) Borrowing Procedures. Each Swing Line Borrowing shall be made upon the
Company's irrevocable notice to the Swing Line Lenders and the Administrative
Agent, which may be given by telephone. Each such notice must be received by the
Swing Line Lenders and the Administrative Agent not later than 3:00 p.m. on the
requested borrowing date or such later time on the requested borrowing date as
may be approved by the Swing Line Lenders in their sole discretion, and shall
specify (i) the amount to be borrowed, which shall be a minimum of

                                       52
<PAGE>

$100,000, and (ii) the requested borrowing date, which shall be a Business Day.
Each such telephonic notice must be confirmed promptly by delivery to the Swing
Line Lenders and the Administrative Agent of a written Swing Line Loan Notice,
appropriately completed and signed by a Responsible Officer of the Company.
Promptly after receipt by the Swing Line Lenders of any telephonic Swing Line
Loan Notice, the Swing Line Lenders will confirm with the Administrative Agent
(by telephone or in writing) that the Administrative Agent has also received
such Swing Line Loan Notice and, if not, the Swing Line Lenders will notify the
Administrative Agent (by telephone or in writing) of the contents thereof.
Unless the Swing Line Lenders have received notice (by telephone or in writing)
from the Administrative Agent (including at the request of any Multicurrency
Revolving Credit Lender) prior to 3:30 p.m. on the date of the proposed Swing
Line Borrowing (A) directing the Swing Line Lenders not to make such Swing Line
Loan as a result of the limitations set forth in the provisos to the first
sentence of Section 2.05(a), or (B) that one or more of the applicable
conditions specified in Section 4.02 is not then satisfied, then, subject to the
terms and conditions hereof, the Swing Line Lenders will, not later than 4:00
p.m. on the borrowing date specified in such Swing Line Loan Notice, make the
amount of its Swing Line Loan available to the Company. Unless otherwise agreed
between the Swing Line Lenders, each Swing Line Lender shall make 50% of each
Swing Line Loan.

      (c) Refinancing of Swing Line Loans. (i) The Swing Line Lenders at any
time in their sole and absolute discretion may request, on behalf of the Company
(which hereby irrevocably authorizes the Swing Line Lenders to so request on its
behalf), that each Multicurrency Revolving Credit Lender make a Specified Rate
Loan in an amount equal to such Lender's Pro Rata Share of the amount of Swing
Line Loans then outstanding. Such request shall be made in writing (which
written request shall be deemed to be a Committed Loan Notice for purposes
hereof) and in accordance with the requirements of Section 2.02(a), without
regard to the minimum and multiples specified therein for the principal amount
of Specified Rate Loans, but subject to the unutilized portion of the
Multicurrency Revolving Credit Facility and the conditions set forth in Section
4.02. The Swing Line Lenders shall furnish the Company with a copy of the
applicable Committed Loan Notice promptly after delivering such notice to the
Administrative Agent. Each Multicurrency Revolving Credit Lender shall make an
amount equal to its Pro Rata Share of the amount specified in such Committed
Loan Notice available to the Administrative Agent in immediately available funds
for the account of the Swing Line Lenders at the Administrative Agent's Office
not later than 1:00 p.m. on the day specified in such Committed Loan Notice,
whereupon, subject to Section 2.05(c)(ii), each Multicurrency Revolving Credit
Lender that so makes funds available shall be deemed to have made a Specified
Rate Loan to the Company in such amount. The Administrative Agent shall remit
the funds so received to the Swing Line Lenders.

            (ii) If for any reason any Swing Line Loan cannot be refinanced by
      such a Revolving Credit Borrowing in accordance with Section 2.05(c)(i),
      the request for Specified Rate Loans submitted by the Swing Line Lenders
      as set forth herein shall be deemed to be a request by the Swing Line
      Lenders that each of the Multicurrency Revolving Credit Lenders fund its
      risk participation in the relevant Swing Line Loan and each Multicurrency
      Revolving Credit Lender's payment to the Administrative Agent for

                                       53
<PAGE>

      the account of the Swing Line Lenders pursuant to Section 2.05(c)(i) shall
      be deemed payment in respect of such participation.

            (iii) If any Multicurrency Revolving Credit Lender fails to make
      available to the Administrative Agent for the account of the Swing Line
      Lenders any amount required to be paid by such Lender pursuant to the
      foregoing provisions of this Section 2.05(c) by the time specified in
      Section 2.05(c)(i), the Swing Line Lenders shall be entitled to recover
      from such Lender (acting through the Administrative Agent), on demand,
      such amount with interest thereon for the period from the date such
      payment is required to the date on which such payment is immediately
      available to the Swing Line Lenders at a rate per annum equal to the
      applicable Federal Funds Rate from time to time in effect, plus any
      administrative, processing or similar fees customarily charged by the
      Swing Line Lenders (or either of them) in connection with the foregoing.
      If such Lender pays such amount (with interest and fees as aforesaid), the
      amount so paid shall constitute such Lender's Committed Loan included in
      the relevant Committed Borrowing or funded participation in the relevant
      Swing Line Loan, as the case may be. A certificate of the Swing Line
      Lenders submitted to any Lender (through the Administrative Agent) with
      respect to any amounts owing under this clause (iii) shall be conclusive
      absent manifest error.

            (iv) Each Multicurrency Revolving Credit Lender's obligation to make
      Revolving Credit Loans or to purchase and fund risk participations in
      Swing Line Loans pursuant to this Section 2.05(c) shall be absolute and
      unconditional and shall not be affected by any circumstance, including (A)
      any setoff, counterclaim, recoupment, defense or other right which such
      Lender may have against any Swing Line Lender, the Borrowers or any other
      Person for any reason whatsoever, (B) the occurrence or continuance of a
      Default, or (C) any other occurrence, event or condition, whether or not
      similar to any of the foregoing; provided that each Multicurrency
      Revolving Credit Lender's obligation to make Revolving Credit Loans
      pursuant to this Section 2.05(c) is subject to the conditions set forth in
      Section 4.02 (other than delivery by the Company of a Committed Loan
      Notice). No such funding of risk participations shall relieve or otherwise
      impair the obligation of the Company to repay Swing Line Loans, together
      with interest as provided herein.

      (d) Repayment of Participations. (i) At any time after any Multicurrency
Revolving Credit Lender has purchased and funded a risk participation in a Swing
Line Loan, if the Swing Line Lenders receive any payment on account of such
Swing Line Loan, the Swing Line Lenders will distribute to such Lender its Pro
Rata Share of such payment in the same funds as those received by the Swing Line
Lenders.

            (ii) If any payment received by the Swing Line Lenders in respect of
      principal or interest on any Swing Line Loan is required to be returned by
      the Swing Line Lenders under any of the circumstances described in Section
      11.06 (including pursuant to any settlement entered into by the Swing Line
      Lenders in their discretion), each Multicurrency Revolving Credit Lender
      shall pay to the Swing Line Lenders its Pro Rata Share thereof on demand
      of the Administrative Agent, plus interest thereon from the date of such
      demand to the date such amount is returned, at a rate per annum equal to
      the

                                       54
<PAGE>

      applicable Federal Funds Rate. The Administrative Agent will make such
      demand upon the request of the Swing Line Lenders.

      (e) Interest for Account of Swing Line Lenders. The Swing Line Lenders
shall be responsible for invoicing the Company for interest on the Swing Line
Loans. Until each Multicurrency Revolving Credit Lender funds its Specified Rate
Loan or risk participation pursuant to this Section 2.05 to refinance such
Lender's Pro Rata Share of any Swing Line Loan, interest in respect of such Pro
Rata Share shall be solely for the account of the Swing Line Lenders.

      (f) Payments Directly to Swing Line Lenders. The Company shall make all
payments of principal and interest in respect of the Swing Line Loans directly
to each Swing Line Lender.

      Section 2.06. Prepayments. (a) Optional. (i) Each Borrower may, upon
notice from the Company to the Administrative Agent, at any time or from time to
time, voluntarily prepay the Term Loans and Revolving Credit Loans in whole or
in part without premium or penalty; provided that (A) such notice must be
received by the Administrative Agent not later than 11:00 a.m. (1) three
Business Days prior to any date of prepayment of Eurocurrency Rate Loans
denominated in Dollars, (2) four Business Days prior to any date of prepayment
of Eurocurrency Rate Loans denominated in Alternative Currencies and (3) on the
date of prepayment of Base Rate Committed Loans; (B) any prepayment of
Eurocurrency Rate Committed Loans shall be in a minimum principal amount of
$1,000,000 or a whole multiple of $500,000 in excess thereof; and (C) any
prepayment of Base Rate Committed Loans shall be in a principal amount of
$500,000 or a whole multiple of $100,000 in excess thereof or, in each case, if
less, the entire principal amount thereof then outstanding. Each such notice
shall specify the date and amount of such prepayment and the Class(es) and
Type(s) of Committed Loans to be prepaid. The Administrative Agent will promptly
notify each Appropriate Lender of its receipt of each such notice, and of the
amount of such Lender's Pro Rata Share of such prepayment. If such notice is
given by the Company, the applicable Borrower shall make such prepayment and the
payment amount specified in such notice shall be due and payable on the date
specified therein. Any prepayment of a Eurocurrency Rate Loan shall be
accompanied by all accrued interest thereon, together with any additional
amounts required pursuant to Section 3.07. Each prepayment of the Loans pursuant
to this Section 2.06(a) shall be applied among the Facilities in such amounts as
the Company may direct in its sole discretion, provided that any such prepayment
of the Term Loans shall be applied against the then remaining scheduled
amortization payments under the Term Loans in order of their maturities. Each
prepayment in respect of a particular Facility shall be paid to the Appropriate
Lenders in accordance with their respective Pro Rata Shares.

            (ii) No Bid Loan may be prepaid without the prior consent of the
      applicable Bid Loan Lender; provided that in connection with the repayment
      in full or refinancing of all of the Facilities, if any Bid Loan is
      outstanding at such time, the Company shall be permitted to deposit with
      the Administrative Agent cash or deposit account balances (or a letter of
      credit) pursuant to documentation reasonably satisfactory to such Bid Loan
      Lender in an amount equal to the sum of the outstanding principal amount
      of such Bid Loan and the remaining interest payments on such Bid Loan.

                                       55
<PAGE>

            (iii) The Company may, upon notice to the Swing Line Lenders (with a
      copy to the Administrative Agent), at any time or from time to time,
      voluntarily prepay Swing Line Loans in whole or in part without premium or
      penalty; provided that (A) such notice must be received by the Swing Line
      Lenders and the Administrative Agent not later than 3:00 p.m. on the date
      of the prepayment, (B) any such prepayment shall be in a minimum principal
      amount of the lesser of $100,000 and the total principal amount of the
      Swing Line Loans then outstanding and (C) any such prepayment shall be
      applied ratably to the outstanding Swing Line Loans held by the respective
      Swing Line Lenders. Each such notice shall specify the date and amount of
      such prepayment. If such notice is given by the Company, the Company shall
      make such prepayment and the payment amount specified in such notice shall
      be due and payable on the date specified therein.

            (iv) Notwithstanding anything to the contrary contained in this
      Agreement, the Company may rescind any notice of prepayment under Section
      2.06(a)(i) or 2.06(a)(iii) if such prepayment would have resulted from a
      refinancing of all of the Facilities, which refinancing shall not be
      consummated or shall otherwise be delayed.

      (b) Mandatory.

            (i) (A) If (1) any Restricted Company Disposes of any property or
      assets pursuant to Section 7.05(l)(ii), Section 7.05(q) or Section
      7.05(s), or (2) any Casualty Event occurs, which in the aggregate results
      in the realization or receipt by any Restricted Company of Net Cash
      Proceeds in excess of $1,000,000 in any fiscal year, the Company shall
      cause to be prepaid on or prior to the date which is ten Business Days
      after the date of the realization or receipt of such Net Cash Proceeds an
      aggregate principal amount of Term Loans in an amount equal to 100% of all
      Net Cash Proceeds received; provided that no such prepayment shall be
      required pursuant to this Section 2.06(b)(i)(A) if, on or prior to such
      date, the Company shall have given written notice to the Administrative
      Agent of its intention to reinvest all or a portion of such Net Cash
      Proceeds in accordance with Section 2.06(b)(i)(B) (which election may only
      be made if no Event of Default has occurred and is then continuing);

                  (B) With respect to any Net Cash Proceeds realized or received
            with respect to any Disposition or any Casualty Event required to be
            applied in accordance with Section 2.06(b)(i)(A), at the option of
            the Company, and so long as no Event of Default shall have occurred
            and be continuing, the Company may reinvest all or any portion of
            such Net Cash Proceeds in the acquisition, improvement or
            maintenance of assets useful in the operations of the Restricted
            Companies (1) in the case of any Net Cash Proceeds received with
            respect to any Disposition, within (x) 12 months following receipt
            of such Net Cash Proceeds or (y) if the Company enters into a
            contract to reinvest such Net Cash Proceeds within such 12 month
            period following receipt thereof, 18 months following receipt of
            such Net Cash Proceeds and (2) in the case of any Net Cash Proceeds
            received with respect to any Casualty Event, within (x) 24 months
            following receipt of such Net Cash Proceeds or (y) if the Company
            enters into a contract to reinvest such Net Cash Proceeds within
            such 24 month period following receipt thereof, 30 months following
            receipt of such Net Cash Proceeds; provided that if

                                       56
<PAGE>

            any Net Cash Proceeds are no longer intended to be so reinvested at
            any time after delivery of a notice of reinvestment election or are
            not so reinvested during (I) in the case of any such Disposition,
            such 12 month period or 18 month period, as applicable and (II) in
            the case of any such Casualty Event, such 24 month period or 30
            month period, as applicable, an amount equal to any such Net Cash
            Proceeds shall be immediately applied to the prepayment of the Term
            Loans as set forth in this Section 2.06.

            (ii) If any Restricted Company incurs or issues any Indebtedness not
      expressly permitted to be incurred or issued pursuant to Section 7.03, the
      Company shall cause to be prepaid an aggregate principal amount of Term
      Loans in an amount equal to 100% of all Net Cash Proceeds received
      therefrom on or prior to the date which is five Business Days after the
      receipt of such Net Cash Proceeds.

            (iii) Each prepayment of Term Loans pursuant to this Section 2.06(b)
      shall be applied in direct order of maturities to the principal repayment
      installments of the Term Loans that are due after the date of such
      prepayment. Each such prepayment shall be paid to the Lenders in
      accordance with their respective Pro Rata Shares.

            (iv) The Borrowers shall notify the Administrative Agent in writing
      of any mandatory prepayment of Term Loans required to be made pursuant to
      clauses (i) and (ii) of this Section 2.06(b) at least (A) in the case of
      the prepayment of Term Loans which are Base Rate Loans, three Business
      Days and (B) in the case of prepayments of Term Loans which are
      Eurocurrency Rate Loans, five Business Days, in each case prior to the
      date of such prepayment. Each such notice shall specify the date of such
      prepayment and provide a reasonably detailed calculation of the amount of
      such prepayment. The Administrative Agent will promptly notify each
      Appropriate Lender of the contents of the Borrowers' prepayment notice and
      of such Appropriate Lender's Pro Rata Share of the prepayment.

            (v) If the Administrative Agent notifies the Company at any time
      that the Total Revolving Outstandings at such time exceed an amount equal
      to 105% of the Aggregate Revolving Credit Commitments then in effect,
      then, within five Business Days after receipt of such notice, the
      Borrowers shall prepay Loans and/or Cash Collateralize the L/C Obligations
      in an aggregate amount sufficient to reduce the Total Revolving
      Outstandings as of such date of payment to an amount not to exceed 100% of
      the Aggregate Revolving Credit Commitments then in effect (provided that
      in the case of any Eurocurrency Rate Loan, if the Borrowers deposit in an
      escrow account on terms satisfactory to the Administrative Agent an amount
      (the "ESCROWED AMOUNT") for the prepayment of such Eurocurrency Rate Loan
      on the last day of then next-expiring Interest Period for such
      Eurocurrency Rate Loan, the Total Revolving Outstandings shall be deemed
      to be reduced by an amount equal to the Escrowed Amount for purposes of
      this Section 2.06(b)(v), it being agreed and understood that interest in
      respect of any Escrowed Amount shall continue to accrue thereon at the
      rate provided hereunder for the Eurocurrency Rate Loan which such Escrowed
      Amount is intended to repay until such Escrowed Amount shall have been
      used in full to repay such Euroccurency Rate Loan)

                                       57
<PAGE>

      (c) Funding Losses, Etc. All prepayments under this Section 2.06 shall be
made together with, in the case of any such prepayment of a Eurocurrency Rate
Loan on a date other than the last day of an Interest Period therefor, any
amounts owing in respect of such Eurocurrency Rate Loan pursuant to Section
3.07. Notwithstanding any of the other provisions of Section 2.06(b), so long as
no Event of Default shall have occurred and be continuing, if any prepayment of
Eurocurrency Rate Loans is required to be made under Section 2.06(b), other than
on the last day of the Interest Period therefor, the Company may, in its sole
discretion, deposit the amount of any such prepayment otherwise required to be
made thereunder into a Cash Collateral Account until the last day of such
Interest Period, at which time the Administrative Agent shall be authorized
(without any further action by or notice to or from the Company or any other
Loan Party) to apply such amount to the prepayment of such Loans in accordance
with Section 2.06(b). Upon the occurrence and during the continuance of any
Event of Default, the Administrative Agent shall also be authorized (without any
further action by or notice to or from the Company or any other Loan Party) to
apply such amount to the prepayment of the outstanding Loans in accordance with
Section 2.06(b).

      Section 2.07. Termination or Reduction of Commitments. (a) Optional. The
Company may, upon written notice to the Administrative Agent, terminate the
Aggregate Revolving Credit Commitments, or from time to time permanently reduce
the Aggregate Revolving Credit Commitments of any Tranche; provided that (i) any
such notice shall be received by the Administrative Agent one Business Day prior
to the date of termination or reduction, (ii) any such partial reduction shall
be in an aggregate amount (A) of $500,000 or any whole multiple of $100,000 in
excess thereof or (B) equal to the Aggregate Revolving Credit Commitments of
such Tranche at such time, (iii) if, after giving effect to any reduction of the
Aggregate Revolving Credit Commitments, (A) the Letter of Credit Sublimit, the
Swing Line Sublimit, the US Dollar Revolving Credit Facility or the
Multicurrency Revolving Credit Facility exceeds the amount of the Aggregate
Revolving Credit Commitments, such sublimit or facility commitments shall be
automatically reduced by the amount of such excess. Notwithstanding the
foregoing, the Company may rescind or postpone any notice of termination of the
Aggregate Revolving Credit Commitments if such termination would have resulted
from a refinancing of all of the Facilities, which refinancing shall not be
consummated or otherwise shall be delayed.

      (b) Mandatory. Subject to Section 2.16, the Term Commitment of each Term
Lender shall be automatically and permanently reduced to $0 on the Closing Date
upon the funding of the Term Loans in accordance with Section 2.01. The
Revolving Credit Commitments shall be automatically and permanently reduced to
$0 on the Maturity Date.

      (c) Application of Commitment Reductions; Payment of Fees. The
Administrative Agent will promptly notify the Lenders of any termination or
reduction of unused portions of the Letter of Credit Sublimit or the Swing Line
Sublimit or the unused Commitments of any Class or Tranche under this Section
2.07. Upon any reduction of unused Commitments of any Class or Tranche, the
Commitment of each Lender of such Class or Tranche shall be reduced by such
Lender's Pro Rata Share of the amount by which such Commitments are reduced
(other than the termination of the Commitment of any Lender as provided in
Section 3.09). All facility fees accrued until the effective date of any
termination of the Revolving Credit Commitments shall be paid on the effective
date of such termination.

                                       58
<PAGE>

      Section 2.08. Repayment of Loans. (a) Term Loans. The Company shall repay
to the Administrative Agent for the ratable account of the Term Lenders the
aggregate principal amount of all Term Loans outstanding in quarterly
installments as follows (which installments shall be (i) reduced as a result of
the application of prepayments in accordance with the order of priority set
forth in Section 2.06(b)(iii) and (ii) increased by an amount equal to (x) in
the case of each installment other than the installment payable on the Maturity
Date, an amount equal to the applicable quarterly installment amount of any
Additional Term Loans made pursuant to Section 2.16 as additional Term Loans and
(y) in the case of the installment payable on the Maturity Date, an amount equal
to the remainder of the aggregate principal amount of any such Additional Term
Loans made as additional Term Loans), each such payment to be made on or prior
to the date specified below:

<TABLE>
<CAPTION>
                                                         AGGREGATE TERM LOAN PRINCIPAL
         PAYMENT DATE                                      AMORTIZATION PAYMENT
-------------------------------                          -----------------------------
<S>                                                      <C>
March 31, 2007                                              $         13,125,000
June 30, 2007                                               $         13,125,000
September 30, 2007                                          $         13,125,000
December 31, 2007                                           $         13,125,000
March 31, 2008                                              $         13,125,000
June 30, 2008                                               $         13,125,000
September 30, 2008                                          $         13,125,000
December 31, 2008                                           $         13,125,000
March 31, 2009                                              $         26,250,000
June 30, 2009                                               $         26,250,000
September 30, 2009                                          $         26,250,000
December 31, 2009                                           $         26,250,000
March 31, 2010                                              $         52,500,000
June 30, 2010                                               $         52,500,000
September 30, 2010                                          $         52,500,000
December 31, 2010                                           $         52,500,000
March 31, 2011                                              $         52,500,000
June 30, 2011                                               $         52,500,000
September 30, 2011                                          $         52,500,000
Maturity Date                                               $      1,522,500,000
</TABLE>

provided that the final principal repayment installment of the Term Loans shall
be repaid on the Maturity Date and in any event shall be in an amount equal to
the aggregate principal amount of all Term Loans outstanding on such date.

      (b) Revolving Credit Loans. Each Borrower shall repay to the
Administrative Agent for the ratable account of the applicable Revolving Credit
Lenders on the Maturity Date the aggregate principal amount of all of its
Revolving Credit Loans outstanding on such date.

      (c) The Company shall repay each Bid Loan on the last day of the Interest
Period in respect thereof.

                                       59
<PAGE>

      (d) Swing Line Loans. The Company shall repay its Swing Line Loans on the
earlier to occur of (i) the date ten (10) Business Days after such Loan is made
and (ii) the Maturity Date.

      Section 2.09. Interest. (a) Subject to the provisions of Section 2.09(b),
(i) each Eurocurrency Rate Committed Loan shall bear interest on the outstanding
principal amount thereof for each Interest Period at a rate per annum equal to
the Eurocurrency Rate for such Interest Period plus the Applicable Margin plus
(in the case of a Eurocurrency Rate Loan of any Lender which is lent from a
Lending Office in the United Kingdom or a Participating Member State) the
Mandatory Cost, (ii) each Committed Base Rate Loan shall bear interest on the
outstanding principal amount thereof from the applicable borrowing date at a
rate per annum equal to the Base Rate plus the Applicable Margin, (iii) each Bid
Loan shall bear interest on the outstanding principal amount thereof for the
Interest Period therefor at a rate per annum equal to the Eurocurrency Rate for
such Interest Period plus (or minus) the Eurocurrency Bid Margin, or at the
Absolute Rate for such Interest Period, as the case may be, and (iv) each Swing
Line Loan shall bear interest on the outstanding principal amount thereof from
the applicable borrowing date at a rate per annum equal to the Federal Funds
Rate plus the Applicable Margin for Eurocurrency Rate Revolving Credit Loans, or
at such other rates as may be agreed between the Company and the Swing Line
Lenders.

      (b) While any Event of Default set forth in Section 8.01(a) or (f) exists
(but, in the case of any Event of Default set forth in Section 8.01(a), only
upon the election of the Administrative Agent or the Required Lenders), the
Borrowers shall pay interest on all overdue Obligations hereunder (regarding
which all applicable grace periods set forth in Section 8.01 have expired) at a
fluctuating interest rate per annum at all times equal to the Default Rate to
the fullest extent permitted by applicable Laws. Accrued and unpaid interest on
past due amounts (including interest on past due interest) shall be due and
payable upon demand.

      (c) Interest on each Loan shall be due and payable in arrears on each
Interest Payment Date applicable thereto and at such other times as may be
specified herein. Interest hereunder shall be due and payable in accordance with
the terms hereof before and after judgment, and before and after the
commencement of any proceeding under any Debtor Relief Law.

      Section 2.10. Fees. In addition to certain fees described in Sections
2.04(i) and (j):

      (a) Facility Fee. The Borrowers shall pay to the Administrative Agent for
the account of each Revolving Credit Lender in accordance with its Pro Rata
Share, a facility fee in Dollars equal to the Applicable Margin times the actual
daily amount of the Aggregate Revolving Credit Commitments (or, if the Aggregate
Revolving Credit Commitments have terminated, on the Outstanding Amount of all
Committed Loans, Swing Line Loans and L/C Obligations), regardless of usage. The
facility fee shall accrue at all times from the date hereof until the date on
which the Aggregate Revolving Credit Commitments have terminated, the
Outstanding Amounts on all Committed Loans and Swing Line Loans have been paid
and the Outstanding Amounts on all L/C Obligations have been paid or Cash
Collateralized (the "TERMINATION DATE"), including at any time during which one
or more of the conditions in Article 4 is not met, and shall be due and payable
quarterly in

                                       60
<PAGE>

arrears on the first Business Day after the end of each March, June, September
and December, commencing with the first such date to occur after the Closing
Date, and on the Termination Date. The facility fee shall be calculated
quarterly in arrears, and if there is any change in the Applicable Margin during
any quarter, the actual daily amount shall be computed and multiplied by the
Applicable Margin separately for each period during such quarter that such
Applicable Margin was in effect.

      (b) Other Fees. The Borrowers shall pay to the Agents such fees as shall
have been separately agreed upon in writing in the amounts and at the times so
specified. Such fees shall be fully earned when paid and shall not be refundable
for any reason whatsoever.

      Section 2.11. Computation of Interest and Fees. All computations of
interest for Base Rate Loans when the Base Rate is determined by JPMCB's "prime
rate" shall be made on the basis of a year of 365 or 366 days, as the case may
be, and actual days elapsed. All other computations of fees and interest shall
be made on the basis of a 360-day year and actual days elapsed (which results in
more fees or interest, as applicable, being paid than if computed on the basis
of a 365-day year), or, in the case of interest in respect of Committed Loans
denominated in Alternative Currencies as to which market practice differs from
the foregoing, in accordance with such market practice. Interest shall accrue on
each Loan for the day on which the Loan is made, and shall not accrue on a Loan,
or any portion thereof, for the day on which the Loan or such portion is paid;
provided that any Loan that is repaid on the same day on which it is made shall,
subject to Section 2.13(a), bear interest for one day. Each determination by the
Administrative Agent of an interest rate or fee hereunder shall be conclusive
and binding for all purposes, absent manifest error.

      Section 2.12. Evidence of Indebtedness. (a) The Credit Extensions made by
each Lender shall be evidenced by one or more accounts or records maintained by
such Lender and evidenced by one or more entries in the Register maintained by
the Administrative Agent, acting solely for purposes of Treasury Regulation
Section 5f.103-1(c), as agent for the Borrowers, in each case in the ordinary
course of business. The accounts or records maintained by the Administrative
Agent and each Lender shall be prima facie evidence absent manifest error of the
amount of the Credit Extensions made by the Lenders to the Borrowers and the
interest and payments thereon. Any failure to so record or any error in doing so
shall not, however, limit or otherwise affect the obligation of the Borrowers
hereunder to pay any amount owing with respect to the Obligations. In the event
of any conflict between the accounts and records maintained by any Lender and
the accounts and records of the Administrative Agent in respect of such matters,
the accounts and records of the Administrative Agent shall control in the
absence of manifest error. Upon the request of any Lender to a Borrower made
through the Administrative Agent, such Borrower shall execute and deliver to
such Lender (through the Administrative Agent) a Note payable to such Lender,
which shall evidence such Lender's Loans to such Borrower in addition to such
accounts or records. Each Lender may attach schedules to a Note and endorse
thereon the date, Type (if applicable), amount, currency and maturity of its
Loans and payments with respect thereto.

      (b) In addition to the accounts and records referred to in Section
2.12(a), each Lender and the Administrative Agent shall maintain in accordance
with its usual practice accounts or records and, in the case of the
Administrative Agent, entries in the Register, evidencing the purchases and
sales by such Lender of participations in Letters of Credit and Swing Line
Loans. In the event of any conflict between the accounts and records maintained
by the Administrative Agent and the accounts and records of any Lender in
respect of such matters, the accounts and records of the Administrative

                                       61
<PAGE>

Agent shall control in the absence of manifest error.

      (c) Entries made in good faith by the Administrative Agent in the Register
pursuant to Section 2.12(a) and (b), and by each Lender in its account or
accounts pursuant to Section 2.12(a) and (b), shall be prima facie evidence of
the amount of principal and interest due and payable or to become due and
payable from the Borrowers to, in the case of the Register, each Lender and, in
the case of such account or accounts, such Lender, under this Agreement and the
other Loan Documents, absent manifest error; provided that the failure of the
Administrative Agent or such Lender to make an entry, or any finding that an
entry is incorrect, in the Register or such account or accounts shall not limit
or otherwise affect the obligations of the Borrowers under this Agreement and
the other Loan Documents.

      Section 2.13. Payments Generally. (a) All payments to be made by the
Borrowers shall be made without condition or deduction for any counterclaim,
defense, recoupment or setoff. Except as otherwise expressly provided herein and
except with respect to principal of and interest on Loans denominated in an
Alternative Currency, all payments by the Borrowers hereunder shall be made to
the Administrative Agent, for the account of the respective Lenders to which
such payment is owed, at the applicable Administrative Agent's Office in Dollars
and in Same Day Funds not later than 2:00 p.m. (or, in the case of Section
2.06(a)(iii), 3:00 p.m.) on the date specified herein. Except as otherwise
expressly provided herein, all payments by the Borrowers hereunder with respect
to principal and interest on Loans denominated in an Alternative Currency shall
be made to the Administrative Agent, for the account of the respective Lenders
to which such payment is owed, at the applicable Administrative Agent's Office
in such Alternative Currency and in Same Day Funds not later than the Applicable
Time specified by the Administrative Agent on the dates specified herein.
Without limiting the generality of the foregoing, the Administrative Agent may
require that any payments due under this Agreement be made in the United States.
If, for any reason, any Borrower is prohibited by any Law from making any
required payment hereunder in an Alternative Currency, such Borrower shall make
such payment in Dollars in the Dollar Equivalent of the Alternative Currency
payment amount. The Administrative Agent will promptly distribute to each Lender
its Pro Rata Share (or other applicable share as provided herein) of such
payment in like funds as received by wire transfer to such Lender's Lending
Office. All payments received by the Administrative Agent (i) after 2:00 p.m.
(or, in the case of Section 2.06(a)(iii), 3:00 p.m.), in the case of payments in
Dollars, or (ii) after the Applicable Time specified by the Administrative Agent
in the case of payments in an Alternative Currency, shall in each case be deemed
received on the next succeeding Business Day and any applicable interest or fee
shall continue to accrue. If any payment to be made by any Borrower shall come
due on a day other than a Business Day, payment shall be made on the next
following Business Day, and such extension of time shall be reflected in
computing interest or fees, as the case may be.

      (b) Unless a Borrower or any Lender has notified the Administrative Agent,
prior to the date any payment is required to be made by it to the Administrative
Agent hereunder, that such Borrower or such Lender, as the case may be, will not
make such payment, the Administrative Agent may assume that such Borrower or
such Lender, as the case may be, has timely made such payment and may (but shall
not be so required to), in reliance thereon, make

                                       62
<PAGE>

available a corresponding amount to the Person entitled thereto. If and to the
extent that such payment was not in fact made to the Administrative Agent in
immediately available funds, then:

            (i) if a Borrower failed to make such payment, each Lender shall
      forthwith on demand repay to the Administrative Agent the portion of such
      assumed payment that was made available to such Lender in immediately
      available funds, together with interest thereon in respect of each day
      from and including the date such amount was made available by the
      Administrative Agent to such Lender to the date such amount is repaid to
      the Administrative Agent in Same Day Funds at the Overnight Rate; and

            (ii) if any Lender failed to make such payment with respect to any
      Committed Borrowing, such Lender shall forthwith on demand pay to the
      Administrative Agent the amount thereof in Same Day Funds together with
      interest thereon for the period from the date such amount was made
      available by the Administrative Agent to the relevant Borrower to the date
      such amount is recovered by the Administrative Agent (the "COMPENSATION
      PERIOD") at a rate per annum equal to the Overnight Rate. When such Lender
      makes payment to the Administrative Agent (together with all accrued
      interest thereon), then such payment amount (excluding the amount of any
      interest which may have accrued and been paid in respect of such late
      payment) shall constitute such Lender's Committed Loan included in the
      applicable Committed Borrowing. If such Lender does not pay such amount
      forthwith upon the Administrative Agent's demand therefor, the
      Administrative Agent may make a demand therefor upon the Borrowers, and
      the Borrowers shall pay such amount to the Administrative Agent, together
      with interest thereon for the Compensation Period at a rate per annum
      equal to the rate of interest applicable to the applicable Committed
      Borrowing. Nothing herein shall be deemed to relieve any Lender from its
      obligation to fulfill its Commitment or to prejudice any rights which the
      Administrative Agent or the Borrowers may have against any Lender as a
      result of any default by such Lender hereunder.

      A notice of the Administrative Agent to any Lender or a Borrower with
respect to any amount owing under this Section 2.13(b) shall be conclusive,
absent manifest error.

      (c) If any Lender makes available to the Administrative Agent funds for
any Loan to be made by such Lender as provided in the foregoing provisions of
this Article 2, and such funds are not made available to the relevant Borrower
by the Administrative Agent because the conditions to the applicable Credit
Extension set forth in Article 4 are not satisfied or waived in accordance with
the terms hereof, the Administrative Agent shall return such funds (in like
funds as received from such Lender) to such Lender, without interest.

      (d) The obligations of the Lenders hereunder to make Committed Loans and
to fund participations in Letters of Credit and Swing Line Loans are several and
not joint. The failure of any Lender to make any Committed Loan or to fund any
such participation on any date required hereunder shall not relieve any other
Lender of its corresponding obligation to do so on such date, and no Lender
shall be responsible for the failure of any other Lender to so make its
Committed Loan or purchase its participation.

                                       63
<PAGE>

      (e) Nothing herein shall be deemed to obligate any Lender to obtain the
funds for any Loan in any particular place or manner or to constitute a
representation by any Lender that it has obtained or will obtain the funds for
any Loan in any particular place or manner.

      (f) Whenever any payment received by the Administrative Agent under this
Agreement or any of the other Loan Documents is insufficient to pay in full all
amounts due and payable to the Administrative Agent and the Lenders under or in
respect of this Agreement and the other Loan Documents on any date, such payment
shall be distributed by the Administrative Agent and applied by the
Administrative Agent and the Lenders in the order of priority set forth in
Section 8.03. If the Administrative Agent receives funds for application to the
Obligations of the Loan Parties under or in respect of the Loan Documents under
circumstances for which the Loan Documents do not specify the manner in which
such funds are to be applied, the Administrative Agent may, but shall not be
obligated to, elect to distribute such funds to each of the Lenders in
accordance with such Lender's Pro Rata Share of the sum of (i) the Outstanding
Amount of all Loans outstanding at such time and (ii) the Outstanding Amount of
all L/C Obligations outstanding at such time, in repayment or prepayment of such
of the outstanding Loans or other Obligations then owing to such Lender.

      Section 2.14. Sharing of Payments. If, other than as expressly provided
elsewhere herein, any Lender shall obtain on account of the Committed Loans made
by it, or the participations in L/C Obligations or in Swing Line Loans held by
it, any payment (whether voluntary, involuntary, through the exercise of any
right of setoff, or otherwise) in excess of its ratable share (or other share
contemplated hereunder) thereof, such Lender shall immediately (a) notify the
Administrative Agent of such fact, and (b) purchase from the other Lenders such
participations in the Committed Loans made by them and/or such subparticipations
in the participations in L/C Obligations or Swing Line Loans held by them, as
the case may be, as shall be necessary to cause such purchasing Lender to share
the excess payment in respect of such Committed Loans or such participations, as
the case may be, pro rata with each of them; provided that if all or any portion
of such excess payment is thereafter recovered from the purchasing Lender under
any of the circumstances described in Section 11.06 (including pursuant to any
settlement entered into by the purchasing Lender in its discretion), such
purchase shall to that extent be rescinded and each other Lender shall repay to
the purchasing Lender the purchase price paid therefor, together with an amount
equal to such paying Lender's ratable share (according to the proportion of (i)
the amount of such paying Lender's required repayment to (ii) the total amount
so recovered from the purchasing Lender) of any interest or other amount paid or
payable by the purchasing Lender in respect of the total amount so recovered,
without further interest thereon. The Borrowers agree that any Lender so
purchasing a participation from another Lender may, to the fullest extent
permitted by law, exercise all its rights of payment (including the right of
setoff, but subject to Section 11.10) with respect to such participation as
fully as if such Lender were the direct creditor of the Borrowers in the amount
of such participation. The Administrative Agent will keep records (which shall
be conclusive and binding in the absence of manifest error) of participations
purchased under this Section 2.14 and will in each case notify the Lenders
following any such purchases or repayments. Each Lender that purchases a
participation pursuant to this Section 2.14 shall from and after such purchase
have the right to give all notices, requests, demands, directions and other
communications under

                                       64
<PAGE>
this Agreement with respect to the portion of the
Obligations purchased to the same extent as though the purchasing Lender were
the original owner of the Obligations purchased.

      Section 2.15. Designated Borrowers.

      (a) The Company may at any time, upon not less than ten (10) Business
Days' notice from the Company to the Administrative Agent (or such shorter
period as may be agreed by the Administrative Agent in its sole discretion),
designate any Restricted Subsidiary of the Company (an "APPLICANT BORROWER") as
a Designated Borrower to receive Revolving Credit Loans hereunder that are
denominated in an Alternative Currency by delivering to the Administrative Agent
(which shall promptly deliver counterparts thereof to each Lender) a duly
executed notice and agreement in substantially the form of Exhibit H (a
"DESIGNATED BORROWER REQUEST AND ASSUMPTION AGREEMENT"). The parties hereto
acknowledge and agree that prior to any Applicant Borrower becoming entitled to
utilize the credit facilities provided for herein the Administrative Agent and
the Lenders shall have received such supporting resolutions, incumbency
certificates, opinions of counsel and other documents or information, in form,
content and scope reasonably satisfactory to the Administrative Agent, as may be
required by the Administrative Agent or the Required Lenders in their sole
discretion, and Notes signed by such new Borrowers to the extent any Lenders so
require. Promptly following receipt of all such requested resolutions,
incumbency certificates, opinions of counsel and other documents or information,
the Administrative Agent shall send a notice in substantially the form of
Exhibit I (a "DESIGNATED BORROWER NOTICE") to the Company and the Lenders
specifying the effective date upon which the Applicant Borrower shall constitute
a Designated Borrower for purposes hereof, whereupon each of the Lenders agrees
to permit such Designated Borrower to receive Revolving Credit Loans hereunder
that are denominated in an Alternative Currency, on the terms and conditions set
forth herein; provided that no Committed Loan Notice or Letter of Credit
Application may be submitted by or on behalf of such Designated Borrower until
the date that is five Business Days after such effective date.

      (b) The Obligations of the Company and each Designated Borrower that is a
Domestic Subsidiary shall be joint and several in nature. The Obligations of all
Designated Borrowers that are Foreign Subsidiaries shall be several in nature.

      (c) Each Restricted Subsidiary of the Company that becomes a "Designated
Borrower" pursuant to this Section 2.15 hereby irrevocably appoints the Company
as its agent for all purposes relevant to this Agreement and each of the other
Loan Documents, including (i) the giving and receipt of notices (including as
agent for service of process), (ii) the execution and delivery of all documents,
instruments and certificates contemplated herein and all modifications hereto,
and (iii) the receipt of the proceeds of any Loans made by the Lenders to any
such Designated Borrower hereunder. Any acknowledgment, consent, direction,
certification or other action which might otherwise be valid or effective only
if given or taken by all Borrowers, or by each Borrower acting singly, shall be
valid and effective if given or taken only by the Company, whether or not any
such other Borrower joins therein. Any notice, demand, consent, acknowledgement,
direction, certification or other communication delivered to the Company in
accordance with the terms of this Agreement shall be deemed to have been
delivered to each Designated Borrower.

                                       65

<PAGE>

      (d) The Company may from time to time, upon not less than ten (10)
Business Days' notice from the Company to the Administrative Agent (or such
shorter period as may be agreed by the Administrative Agent in its sole
discretion), terminate a Designated Borrower's status as such, provided that
there are no outstanding Loans or L/C Obligations payable by such Designated
Borrower, or other amounts payable by such Designated Borrower on account of any
Loans or Letters of Credit made to it, as of the effective date of such
termination. The Administrative Agent will promptly notify the Lenders of any
such termination of a Designated Borrower's status.

      (e) Notwithstanding anything to the contrary herein, the status of any
Subsidiary as a Designated Borrower shall terminate immediately if, at any time,
the Company and such Subsidiary are not able to make any of the representations
set forth below with respect to such Subsidiary at such time (the occurrence of
such situation with respect to such Subsidiary, a "SPECIFIED REPRESENTATION
DEFAULT"):

            (i) Such Designated Borrower is subject to civil and commercial Laws
      with respect to its obligations under this Agreement and the other Loan
      Documents to which it is a party (collectively as to such Designated
      Borrower, the "APPLICABLE DESIGNATED BORROWER DOCUMENTS"), and the
      execution, delivery and performance by such Designated Borrower of the
      Applicable Designated Borrower Documents constitute and will constitute
      private and commercial acts and not public or governmental acts. Neither
      such Designated Borrower nor any of its property has any immunity from
      jurisdiction of any court or from any legal process (whether through
      service or notice, attachment prior to judgment, attachment in aid of
      execution, execution or otherwise) under the laws of the jurisdiction in
      which such Designated Borrower is organized and existing in respect of its
      obligations under the Applicable Designated Borrower Documents.

            (ii) The Applicable Designated Borrower Documents are in proper
      legal form under the Laws of the jurisdiction in which such Designated
      Borrower is organized and existing for the enforcement thereof against
      such Designated Borrower under the Laws of such jurisdiction, and to
      ensure the legality, validity, enforceability, priority or admissibility
      in evidence of the Applicable Designated Borrower Documents.

            (iii) It is not necessary to ensure the legality, validity,
      enforceability, priority or admissibility in evidence of the Applicable
      Designated Borrower Documents that the Applicable Designated Borrower
      Documents be filed, registered or recorded with, or executed or notarized
      before, any court or other authority in the jurisdiction in which such
      Designated Borrower is organized and existing or that any registration
      charge or stamp or similar tax be paid on or in respect of the Applicable
      Designated Borrower Documents or any other document, except for (i) any
      such filing, registration, recording, execution or notarization as has
      been made or is not required to be made until the Applicable Designated
      Borrower Document or any other document is sought to be enforced and (ii)
      any charge or tax as has been timely paid.

            (iv) There is no tax, levy, impost, duty, fee, assessment or other
      governmental charge, or any deduction or withholding, imposed by any
      Governmental Authority in or of the jurisdiction in which such Designated
      Borrower is organized and existing either (i)

                                       66

<PAGE>

      on or by virtue of the execution or delivery of the Applicable Designated
      Borrower Documents or (ii) on any payment to be made by such Designated
      Borrower pursuant to the Applicable Designated Borrower Documents, except
      as has been disclosed to the Administrative Agent.

            (v) The execution, delivery and performance of the Applicable
      Designated Borrower Documents executed by such Designated Borrower are,
      under applicable foreign exchange control regulations of the jurisdiction
      in which such Designated Borrower is organized and existing, not subject
      to any notification or authorization except (i) such as have been made or
      obtained or (ii) such as cannot be made or obtained until a later date
      (provided that any notification or authorization described in clause (ii)
      shall be made or obtained as soon as is reasonably practicable).

The Company agrees to give prompt notice to the Administrative Agent of any
Specified Representation Default with respect to any Subsidiary that is a
Designated Borrower, and within the later of (x) five (5) Business Days after
the occurrence of such Specified Representation Default or (y) in the case of
Eurocurrency Rate Loans, the ending date of the applicable Interest Period, such
Subsidiary shall pay in full the unpaid principal of and interest on all its
outstanding Loans and Cash Collateralize the then Outstanding Amount of all its
L/C Obligations (in an amount equal to the then Outstanding Amount thereof),
failing which the Company shall forthwith make such payments and post such Cash
Collateral pursuant to its guarantee thereof set forth in Article 10. Nothing in
this Section 2.15(e) shall limit or otherwise affect the Guarantor Parties'
obligations under Article 10.

      Section 2.16. Increase in Commitments. (a) Upon notice to the
Administrative Agent (which shall promptly notify the Lenders), at any time
after the Closing Date, the Company may on up to ten different occasions request
additional Term Commitments and/or additional Revolving Credit Commitments;
provided that (i) after giving effect to any such addition, the aggregate amount
of all additional Term Commitments and additional Revolving Credit Commitments
that have been added pursuant to this Section 2.16 shall not exceed
$600,000,000, and (ii) any such addition shall be in an aggregate amount of
$5,000,000 or any whole multiple of $1,000,000 in excess thereof.

      (b) Any loans made in respect of any such additional Term Commitments (the
"ADDITIONAL TERM LOANS") may be made, at the option of the Company, either by
(i) increasing the Term Loans with the same terms (including pricing) as the
existing Term Loans, or (ii) creating a new tranche of terms loans (an
"ADDITIONAL TERM LOAN TRANCHE"); provided that any Additional Term Loan Tranche
(A) shall not mature prior to the stated Maturity Date and (B) the Weighted
Average Life to Maturity of any Additional Term Loan Tranche shall be no less
than the Weighted Average Life to Maturity of the Term Loans.

      (c) Any such additional Revolving Credit Commitments (the "ADDITIONAL
REVOLVING CREDIT COMMITMENTS") may be made, at the option of the Company, by
either (i) increasing the US Dollar Revolving Credit Commitments or the
Multicurrency Revolving Credit Commitments with the same terms (including
pricing and currency) as the existing US Dollar Revolving Credit Commitments or
Multicurrency Revolving Credit Commitments, as the case may be or (ii) creating
a new tranche of the Multicurrency Revolving Credit Facility with the Additional

                                       67

<PAGE>

Revolving Credit Commitments of Lenders willing to fund in an Additional
Alternative Currency pursuant to which Multicurrency Revolving Credit Loans
under such new tranche may be denominated in such Additional Alternative
Currency.

      (d) At the time of the sending of notice requesting additional Term
Commitments and/or additional Revolving Credit Commitments, the Company (in
consultation with the Administrative Agent) shall specify the time period within
which each Lender is requested to respond (which shall in no event be less than
ten Business Days from the date of delivery of such notice to the Lenders). Each
Lender shall notify the Administrative Agent within such time period whether or
not it agrees to provide an additional Term Commitment or Revolving Credit
Commitment, as applicable, and, if so, whether by an amount equal to, greater
than, or less than its Pro Rata Share of such requested increase (which shall be
calculated on the basis of the amount of the funded and unfunded exposure under
all the Facilities held by each Lender). Any Lender not responding within such
time period shall be deemed to have declined to provide an additional Term
Commitment or Revolving Credit Commitment, as applicable. The Administrative
Agent shall notify the Company and each Lender of the Lenders' responses to each
request made hereunder. To achieve the full amount of a requested increase, the
Company may also invite additional Eligible Assignees to become Term Lenders or
Revolving Credit Lenders, as applicable, pursuant to a joinder agreement in form
and substance reasonably satisfactory to the Administrative Agent and its
counsel.

      (e) If any Term Commitments or Revolving Credit Commitments are added in
accordance with this Section 2.16, the Administrative Agent and the Company
shall determine the effective date (the "ADDITIONAL COMMITMENTS EFFECTIVE DATE")
and the final allocation of such addition. The Administrative Agent shall
promptly notify the Company and the Lenders of the final allocation of such
addition and the Additional Commitments Effective Date. As a condition precedent
to such addition, the Company shall deliver to the Administrative Agent a
certificate of the Company dated as of the Additional Commitments Effective Date
signed by a Responsible Officer of the Company certifying that, before and after
giving effect to such increase, (i) the representations and warranties contained
in Article 5 and the other Loan Documents are true and correct in all material
respects on and as of the Additional Commitments Effective Date, except to the
extent that such representations and warranties specifically refer to an earlier
date, in which case they shall have been true and correct in all material
respects as of such earlier date, and except that for purposes of this Section
2.16(e), the representations and warranties contained in Section 5.05(a) and (b)
shall be deemed to refer to the most recent statements furnished pursuant to
subsections (a) and (b), respectively, of Section 6.01, and (ii) no Default
exists before or after giving effect to such addition.

      (f) On each Additional Commitments Effective Date, (i) each Lender or
Eligible Assignee which is providing an additional Term Commitment (A) shall
become a "Term Lender" for all purposes of this Agreement and the other Loan
Documents, and (B) shall make an Additional Term Loan to the Company in a
principal amount equal to such additional Term Commitment, and such Additional
Term Loan shall be a "Term Loan" for all purposes of this Agreement and the
other Loan Documents (except that the interest rate applicable to any Additional
Term Loan under an Additional Term Loan Tranche may be as agreed by the Company
and the applicable Lenders providing the additional Term Commitments) and (ii)
each Lender or Eligible Assignee which is providing an additional Revolving
Credit Commitment

                                       68

<PAGE>

shall become a "Revolving Credit Lender" for all purposes of this Agreement and
the other Loan Documents with a Revolving Credit Commitment that is increased by
(in the case of an existing Revolving Credit Lender) or equal to (in the case of
a new Revolving Credit Lender) such additional Revolving Credit Commitment.

                                    ARTICLE 3
                      TAXES, INCREASED COSTS AND ILLEGALITY

      Section 3.01. Taxes. (a) Except as provided in this Section 3.01, any and
all payments by any Borrower to or for the account of any Agent or any Lender
under any Loan Document shall be made free and clear of and without deduction
for any and all present or future taxes, duties, levies, imposts, deductions,
assessments, fees, withholdings or similar charges, and all liabilities
(including additions to tax, penalties and interest) with respect thereto,
excluding, in the case of each Agent and each Lender, taxes imposed on or
measured by its net income or overall gross income (including branch profits),
and franchise (and similar) taxes imposed on it in lieu of net income taxes, by
the jurisdiction (or any political subdivision thereof) under the Laws of which
such Agent or such Lender, as the case may be, is organized, is (or was, during
the relevant period) doing business or maintains a Lending Office, and all
liabilities (including additions to tax, penalties and interest) with respect
thereto (all such non-excluded taxes, duties, levies, imposts, deductions,
assessments, fees, withholdings or similar charges, and liabilities being
hereinafter referred to as "TAXES"). Notwithstanding anything to the contrary
contained herein, any withholding tax imposed at any time on payments made by or
on behalf of a Designated Borrower to any Lender hereunder or under any other
Loan Document shall be deemed to be Taxes hereunder so long as such Lender shall
have complied with Section 11.16.

      (b) If any Borrower shall be required by any Laws to deduct any Taxes from
or in respect of any sum payable under any Loan Document to any Agent or any
Lender, (i) except to the extent provided in Sections 3.01(e) and 3.01(f) below,
the sum payable shall be increased as necessary so that after making all
required deductions (including deductions applicable to additional sums payable
under this Section 3.01), each of such Agent and such Lender receives an amount
equal to the sum it would have received had no such deductions been made, (ii)
such Borrower shall make such deductions, (iii) such Borrower shall pay the full
amount deducted to the relevant taxation authority or other authority in
accordance with applicable Laws, and (iv) within 30 days after the date of such
payment, such Borrower shall furnish to such Agent or Lender (as the case may
be) the original or a certified copy of a receipt evidencing payment thereof to
the extent such a receipt is issued therefor, or other written proof of payment
thereof that is reasonably satisfactory to the Administrative Agent.

      (c) Each Borrower also agrees to pay any and all present or future stamp,
court or documentary taxes and any other excise, property, intangible or
mortgage recording taxes or charges or similar levies which arise from any
payment made under any Loan Document or from the execution, delivery,
performance, enforcement or registration of, or otherwise with respect to, any
Loan Document (hereinafter referred to as "OTHER TAXES").

      (d) Each Borrower agrees to indemnify each Agent and each Lender for (i)
the full amount of Taxes and Other Taxes (including any Taxes or Other Taxes
imposed or asserted by

                                       69

<PAGE>

any jurisdiction on amounts payable under this Section 3.01) paid by such Agent
and such Lender, and (ii) any liability (including additions to tax, penalties,
interest and expenses) arising therefrom or with respect thereto, in each case
whether or not such Taxes or Other Taxes were correctly or legally imposed or
asserted by the relevant Governmental Authority; provided such Agent or Lender,
as the case may be, provides such Borrower with a written statement thereof
setting forth in reasonable detail the basis and calculation of such amounts.
Payment under this Section 3.01(d) shall be made within 30 days after the date
such Lender or such Agent makes a demand therefor.

      (e) No Borrower shall be required pursuant to this Section 3.01 to pay any
additional amount to, or to indemnify, any Lender or Agent, as the case may be,
to the extent that such Lender or such Agent becomes subject to Taxes subsequent
to the Closing Date (or, if later, the date such Lender or Agent becomes a party
to this Agreement) as a result of a change in the place of organization of such
Lender or Agent or a change in the Lending Office of such Lender, except to the
extent that any such change is requested or required in writing by any Borrower
(and provided that nothing in this clause (e) shall be construed as relieving
any Borrower from any obligation to make such payments or indemnification in the
event of a change in Lending Office or place of organization that precedes a
change in Law to the extent such Taxes result from a change in Law).

      (f) If a Lender or an Agent is subject to United States withholding tax at
a rate in excess of zero percent at the time such Lender or such Agent, as the
case may be, first becomes a party to this Agreement, withholding tax at such
rate shall be considered excluded from Taxes unless and until such Lender or
Agent, as the case may be, provides the appropriate forms certifying that a
lesser rate applies, whereupon withholding tax at such lesser rate only shall be
considered excluded from Taxes for periods governed by such forms; provided
that, if at the date of the Assignment and Assumption pursuant to which a Lender
becomes a party to this Agreement, the Lender assignor was entitled to payments
under clause (a) of this Section 3.01 in respect of United States withholding
tax with respect to interest paid at such date, then, to such extent, the term
Taxes shall include (in addition to withholding taxes that may be imposed in the
future or other amounts otherwise includable in Taxes) United States withholding
tax, if any, applicable with respect to the Lender assignee on such date.

      (g) If any Lender or Agent shall become aware that it is entitled to
receive a refund in respect of amounts paid by any Borrower pursuant to this
Section 3.01, which refund in the good faith judgment of such Lender or Agent is
allocable to such payment, it shall promptly notify such Borrower of the
availability of such refund and shall, within 30 days after the receipt of a
request by such Borrower, apply for such refund; provided that in the sole
reasonable judgment of the Lender or Agent, applying for such refund would not
be disadvantageous to it.

      (h) If any Lender or Agent receives a refund in respect of any Taxes or
Other Taxes as to which indemnification or additional amounts have been paid to
it by a Borrower pursuant to this Section 3.01, it shall promptly remit such
refund (including any interest included in such refund) to such Borrower (to the
extent that it determines that it can do so without prejudice to the retention
of the refund), net of all out-of-pocket expenses of the Lender or Agent, as the
case may be; provided that the relevant Borrower, upon the request of the Lender
or Agent, as the case may be, agrees promptly to return such refund to such
party in the event such party is

                                       70

<PAGE>

required to repay such refund to the relevant taxing authority. Such Lender or
Agent, as the case may be, shall, at such Borrower's request, provide such
Borrower with a copy of any notice of assessment or other evidence of the
requirement to repay such refund received from the relevant taxing authority;
provided that such Lender or Agent may delete any information therein that such
Lender or Agent deems confidential.

      (i) Nothing in this Section 3.01 shall interfere with the right of a
Lender or Agent to arrange its tax affairs in whatever manner it thinks fit nor
oblige any Lender or Agent to claim any tax refund or to disclose any
information relating to its tax affairs or any computations in respect thereof
or require any Lender or Agent to do anything that would prejudice its ability
to benefit from any other refunds, credits, reliefs, remissions or repayments to
which it may be entitled.

      Section 3.02. Illegality. If any Lender determines that any Law has made
it unlawful, or that any Governmental Authority has asserted that it is
unlawful, for any Lender or its applicable Lending Office to make, maintain or
fund Eurocurrency Rate Loans (whether denominated in Dollars or an Alternative
Currency), or to determine or charge interest rates based upon the Eurocurrency
Rate, then, on notice thereof by such Lender to the Borrowers through the
Administrative Agent, any obligation of such Lender to make or continue
Eurocurrency Rate Loans in the affected currency or currencies or, in the case
of Eurocurrency Rate Loans in Dollars, to convert Base Rate Committed Loans to
Eurocurrency Rate Loans, shall be suspended until such Lender notifies the
Administrative Agent and the Company that the circumstances giving rise to such
determination no longer exist. Upon receipt of such notice, the Borrowers shall,
upon demand from such Lender (with a copy to the Administrative Agent), prepay
or, if applicable and such Loans are denominated in Dollars, convert all
Eurocurrency Rate Loans of such Lender to Base Rate Loans, either on the last
day of the Interest Period therefor, if such Lender may lawfully continue to
maintain such Eurocurrency Rate Loans to such day, or immediately, if such
Lender may not lawfully continue to maintain such Eurocurrency Rate Loans. Upon
any such prepayment or conversion, the Borrower shall also pay accrued interest
on the amount so prepaid or converted. Each Lender agrees to designate a
different Lending Office if such designation will avoid the need for such notice
and will not, in the good faith judgment of such Lender, otherwise be materially
disadvantageous to such Lender.

      Section 3.03. Inability to Determine Rates. If the Required Lenders
determine that for any reason adequate and reasonable means do not exist for
determining the Eurocurrency Rate for any requested Interest Period with respect
to a proposed Eurocurrency Rate Loan (whether denominated in Dollars or an
Alternative Currency), or that the Eurocurrency Rate for any requested Interest
Period with respect to a proposed Eurocurrency Rate Loan does not adequately and
fairly reflect the cost to such Lenders of funding such Loan, or that deposits
(whether in Dollars or an Alternative Currency) are not being offered to banks
in the applicable offshore interbank market for such currency for the applicable
amount and Interest Period of such Eurocurrency Rate Loan, the Administrative
Agent will promptly so notify the Borrowers and each Lender. Thereafter, the
obligation of the Lenders to make or maintain Eurocurrency Rate Loans in the
affected currency or currencies shall be suspended until the Administrative
Agent (upon the instruction of the Required Lenders) revokes such notice. Upon
receipt of such notice, the Company may revoke any pending request for a
Borrowing of, conversion to or continuation of Eurocurrency Rate Committed Loans
in the affected currency or currencies or, failing that,

                                       71

<PAGE>

will be deemed to have converted such request into a request for a Committed
Borrowing of Base Rate Loans in the amount specified therein.

      Section 3.04. Increased Cost and Reduced Return. If any Lender determines
that as a result of the introduction of or any change in or in the
interpretation of any Law, in each case after the date hereof, or such Lender's
compliance therewith, there shall be any increase in the cost to such Lender of
agreeing to make or making, funding or maintaining Eurocurrency Rate Loans or
(as the case may be) issuing or participating in Letters of Credit, or a
reduction in the amount received or receivable by such Lender in connection with
any of the foregoing (excluding for purposes of this Section 3.04 any such
increased costs or reduction in amount resulting from (i) Taxes or Other Taxes
(as to which Section 3.01 and Section 11.16 shall govern), (ii) changes in the
basis of taxation of overall net income or overall gross income (including
branch profits), and franchise (and similar) taxes imposed in lieu of net income
taxes, by the United States or any foreign jurisdiction or any political
subdivision of either thereof under the Laws of which such Lender is organized,
is doing business or maintains a Lending Office, (iii) reserve requirements
contemplated by Section 3.06 and (iv) the requirements of the Bank of England
and the Financial Services Authority or the European Central Bank reflected in
the Mandatory Cost to the extent the Mandatory Cost, as calculated hereunder, is
sufficient to cover the cost to the applicable Lender of complying with the
requirements of the Bank of England and/or the Financial Services Authority or
the European Central Bank in relation to its making, funding or maintaining
Eurocurrency Rate Loans), then from time to time within 30 days following
written demand of such Lender setting forth in reasonable detail such increased
costs (with a copy of such demand to the Administrative Agent given in
accordance with Section 3.08), the Company shall pay (or cause the applicable
Designated Borrower to pay) to such Lender such additional amounts as will
compensate such Lender for such increased cost or reduction.

      Section 3.05. Capital Adequacy. If any Lender determines that the
introduction of any Law regarding capital adequacy or any change therein or in
the interpretation thereof, in each case after the date hereof, or compliance by
such Lender (or its Lending Office) therewith, has the effect of reducing the
rate of return on the capital of such Lender or any Person controlling such
Lender as a consequence of such Lender's obligations hereunder (taking into
consideration such Lender's policies with respect to capital adequacy and
desired return on capital), then from time to time within 30 days following
written demand of such Lender setting forth in reasonable detail the charge and
the calculation of such reduced rate of return (with a copy of such demand to
the Administrative Agent given in accordance with Section 3.08), the Company
shall pay (or cause the applicable Designated Borrower to pay) to such Lender
such additional amounts as will compensate such Lender for such reduction.

      Section 3.06. Reserves on Eurocurrency Rate Loans. (a) If any Lender is
required to maintain reserves with respect to liabilities or assets consisting
of or including Eurocurrency funds or deposits (currently known as "Eurocurrency
liabilities"), the Company shall pay (or cause the applicable Designated
Borrower to pay) to such Lender additional interest on the unpaid principal
amount of each Eurocurrency Rate Loan equal to the actual costs of such reserves
allocated to such Loan by such Lender (as determined by such Lender in good
faith, which determination shall be conclusive in the absence of manifest
error).

                                       72

<PAGE>

      (b) If any Lender is required to comply with any reserve ratio requirement
or analogous requirement of any other Governmental Authority imposed in respect
of the maintenance of the Commitments or the funding of the Eurocurrency Rate
Loans, the Company shall pay (or cause the applicable Designated Borrower to
pay) such additional costs (expressed as a percentage per annum and rounded
upwards, if necessary, to the nearest five decimal places) equal to the actual
costs allocated to such Commitment or Loan by such Lender (as determined by such
Lender in good faith, which determination shall be conclusive absent manifest
error) which in each case shall be due and payable on each date on which
interest is payable on such Loan. Any Lender requesting payment from any
Borrower under Section 3.06(a) or (b) shall give such Borrower at least fifteen
days' prior notice (with a copy to the Administrative Agent). If a Lender fails
to give notice fifteen days prior to the relevant Interest Payment Date, such
additional interest or cost shall be due and payable fifteen days from receipt
of such notice.

      Section 3.07. Funding Losses. Upon demand of any Lender (with a copy to
the Administrative Agent), the Company shall promptly compensate (or cause the
applicable Designated Borrower to compensate) such Lender for and hold such
Lender harmless from any loss, cost or expense incurred by it as a result of:

      (a) any continuation, conversion, payment or prepayment of any Loan other
than a Base Rate Loan on a day other than the last day of the Interest Period
for such Loan (whether voluntary, mandatory, automatic, by reason of
acceleration, or otherwise);

      (b) any failure by any Borrower (for a reason other than the failure of
such Lender to make a Loan) to prepay, borrow, continue or convert any Loan
other than a Base Rate Loan on the date or in the amount notified by the Company
or the applicable Designated Borrower; or

      (c) any failure by any Borrower to make payment of any Loan or drawing
under any Letter of Credit (or interest due thereon) denominated in an
Alternative Currency on its scheduled due date or any payment thereof in a
different currency;

including any loss or expense arising from the liquidation or reemployment of
funds obtained by such Lender to maintain such Loan, any foreign exchange losses
or from fees payable to terminate the deposits from which such funds were
obtained or from the performance of any foreign exchange contract.

For purposes of calculating amounts payable by the Company (or the applicable
Designated Borrower) to any Lender under this Section 3.07, such Lender shall be
deemed to have funded each Eurocurrency Rate Committed Loan made by it at the
Eurocurrency Rate for such Loan by a matching deposit or other borrowing in the
offshore interbank market for such currency for a comparable amount and for a
comparable period, whether or not such Eurocurrency Rate Committed Loan was in
fact so funded.

      Section 3.08. Matters Applicable to All Requests for Compensation. (a) Any
Agent or any Lender claiming compensation under this Article 3 shall deliver a
certificate to the Company contemporaneously with the demand for payment setting
forth in reasonable detail a calculation of the additional amount or amounts to
be paid to it hereunder which shall be conclusive in the

                                       73

<PAGE>

absence of manifest error. In determining such amount, such Agent or such Lender
may use any reasonable averaging and attribution methods.

      (b) With respect to any Lender's claim for compensation under any of
Sections 3.01 through Section 3.07, no Borrower shall be required to compensate
such Lender for any amount incurred more than 180 days prior to the date that
such Lender notifies the relevant Borrower of the event that gives rise to such
claim; provided that, if the circumstance giving rise to such increased cost or
reduction is retroactive, then such 180-day period referred to above shall be
extended to include the period of retroactive effect thereof. If any Lender
requests compensation from any Borrower under any of Sections 3.04 through 3.06,
such Borrower may, by notice to such Lender (with a copy to the Administrative
Agent), suspend the obligation of such Lender to make or continue from one
Interest Period to another Eurocurrency Rate Loans, or to convert Base Rate
Loans into Eurocurrency Rate Loans, until the event or condition giving rise to
such request ceases to be in effect (in which case the provisions of Section
3.08(c) shall be applicable); provided that such suspension shall not affect the
right of such Lender to receive the compensation so requested.

      (c) If the obligation of any Lender to make or continue from one Interest
Period to another any Eurocurrency Rate Loan (or to convert Base Rate Loans into
Eurocurrency Rate Loans) shall be suspended pursuant to Section 3.08(b) hereof,
such Lender's Eurocurrency Rate Loans shall be automatically converted into Base
Rate Loans on the last day(s) of the then current Interest Period(s) for such
Eurocurrency Rate Loans (or, in the case of an immediate conversion required by
Section 3.02, on such earlier date as required by Law) and, unless and until
such Lender gives notice as provided below that the circumstances specified in
Sections 3.01 through 3.06 hereof that gave rise to such conversion no longer
exist:

            (i) to the extent that such Lender's Eurocurrency Rate Loans have
      been so converted, all payments and prepayments of principal that would
      otherwise be applied to such Lender's Eurocurrency Rate Loans shall be
      applied instead to its Base Rate Loans; and

            (ii) all Loans that would otherwise be made or continued from one
      Interest Period to another by such Lender as Eurocurrency Rate Loans shall
      be made or continued instead as Base Rate Loans, and all Base Rate Loans
      of such Lender that would otherwise be converted into Eurocurrency Rate
      Loans shall remain as Base Rate Loans.

      (d) If any Lender gives notice to any Borrower (with a copy to the
Administrative Agent) that the circumstances specified in any of Sections 3.01
through 3.06 that gave rise to the conversion of such Lender's Eurocurrency Rate
Loans pursuant to this Section 3.08 no longer exist (which such Lender agrees to
do promptly upon such circumstances ceasing to exist) at a time when
Eurocurrency Rate Loans made by other Lenders are outstanding, such Lender's
Base Rate Loans shall be automatically converted, on the first day(s) of the
next succeeding Interest Period(s) for such outstanding Eurocurrency Rate Loans,
to the extent necessary so that, after giving effect thereto, all Loans held by
the Lenders holding Eurocurrency Rate Loans and by such Lender are held pro rata
(as to principal amounts, interest rate basis, and Interest Periods) in
accordance with their respective Commitments.

                                       74

<PAGE>

      (e) Each Lender agrees that (i) upon the occurrence of any event giving
rise to the operation of Section 3.01(b) or (d) with respect to such Lender it
will, if requested by any Borrower, use commercially reasonable efforts (subject
to such Lender's internal policies and any legal or regulatory restrictions) to
avoid the consequences of such event, including to designate another Lending
Office for any Loan or Letter of Credit affected by such event and (ii) if any
Lender (A) requests compensation under any of Sections 3.04 through 3.06, or (B)
notifies any Borrower that it has determined that it is unlawful for its
applicable Lending Office to make, maintain or fund Eurocurrency Rate Loans, or
to determine or charge interest rates based upon the Eurocurrency Rate, then
such Lender will, if requested by such Borrower, use commercially reasonable
efforts to designate another Lending Office for any Loan or Letter of Credit
affected by such event; provided that in each case, such efforts are made on
terms that, in the reasonable judgment of such Lender, cause such Lender and its
Lending Office(s) to suffer no material economic, legal or regulatory
disadvantage, and provided further that nothing in this Section 3.08(e) shall
affect or postpone any of the Obligations of any Borrower or the rights of such
Lender pursuant to Section 3.01(b) or (d), 3.02 or 3.04 through 3.06.

      Section 3.09. Replacement of Lenders Under Certain Circumstances. (a) If
at any time:

            (i) any Borrower becomes obligated to pay additional amounts or
      indemnity payments described in Section 3.01 or Sections 3.04 through
      3.06, as a result of any condition described in such Sections or any
      Lender ceases to make Eurocurrency Rate Loans as a result of any condition
      described in Section 3.02 or Sections 3.04 through 3.06,

            (ii) any Lender becomes a Defaulting Lender or

            (iii) any Lender becomes a "Non-Consenting Lender" (as defined below
      in this Section 3.09),

      then the Company may, on ten Business Days' prior written notice to the
Administrative Agent and such Lender, either:

            (iv) replace such Lender by causing such Lender to (and such Lender
      shall be obligated to) assign 100% of its relevant Commitments and the
      principal of its relevant outstanding Loans plus any accrued and unpaid
      interest pursuant to Section 11.07(d) (with the assignment fee to be paid
      by such Borrower unless waived by the Administrative Agent in such
      instance) all of its relevant rights and obligations under this Agreement
      to one or more Eligible Assignees; provided that (A) the replacement
      Lender shall agree to the consent, waiver or amendment to which the
      Non-Consenting Lender did not agree and (B) neither the Administrative
      Agent nor any Lender shall have any obligation to any Borrower to find a
      replacement Lender or other such Person or

            (v) terminate the Commitment of such Lender and repay all
      obligations of the Borrowers owing to such Lender relating to the Loans
      and participations held by such Lender as of such termination date.

                                       75

<PAGE>

      (b) Any Lender being replaced pursuant to Section 3.09(a) above shall (i)
execute and deliver an Assignment and Assumption with respect to such Lender's
Commitment and outstanding Loans and participations in L/C Obligations and Swing
Line Loans, and (ii) deliver any Notes evidencing such Loans to the relevant
Borrower or the Administrative Agent.

      (c) Pursuant to an Assignment and Assumption arising by operation of
Section 3.09(b), (i) the assignee Lender shall acquire all or a portion, as the
case may be, of the assigning Lender's Commitment and outstanding Loans and
participations in L/C Obligations and Swing Line Loans, (ii) all obligations of
each Borrower owing to the assigning Lender relating to the Loans and
participations so assigned shall be paid in full by the assignee Lender to such
assigning Lender concurrently with the execution of such Assignment and
Assumption and (iii) upon such payment and, if so requested by the assignee
Lender, delivery to the assignee Lender of the appropriate Note or Notes
executed by each relevant Borrower, the assignee Lender shall become a Lender
hereunder and the assigning Lender shall cease to be a Lender hereunder with
respect to such assigned Loans, Commitments and participations, except with
respect to indemnification provisions under this Agreement, which shall survive
as to such assigning Lender.

      (d) Notwithstanding anything to the contrary, (i) any Lender that acts as
L/C Issuer may not be replaced by operation of this Section 3.09 at any time
that it has any Letter of Credit outstanding unless arrangements reasonably
satisfactory to such L/C Issuer (including the furnishing of a back-up standby
letter of credit in form and substance, and issued by an issuer reasonably
satisfactory to such L/C Issuer or the depositing of cash collateral into a Cash
Collateral Account in amounts and pursuant to arrangements reasonably
satisfactory to such L/C Issuer) have been made with respect to such outstanding
Letter of Credit and (ii) any Lender that acts as Administrative Agent may not
be replaced by operation of this Section 3.09 except in accordance with the
terms of Section 9.09.

      (e) If (i) any Borrower or the Administrative Agent requests the Lenders
to consent to a departure or waiver of any provisions of the Loan Documents or
to agree to any amendment thereto, (ii) the consent, waiver or amendment in
question requires the agreement of all affected Lenders in accordance with the
terms of Section 11.01 or all the Lenders with respect to a certain class of the
Loans and (iii) one or more of the Lenders have agreed to such consent, waiver
or amendment, then any Lender who does not agree to such consent, waiver or
amendment shall be deemed a "NON-CONSENTING LENDER."

      Section 3.10. Survival. All of the Borrowers' obligations under this
Article 3 shall survive termination of the Aggregate Commitments and repayment
of all other Obligations hereunder.

                                    ARTICLE 4
                    CONDITIONS PRECEDENT TO CREDIT EXTENSIONS

      Section 4.01. Conditions of Initial Credit Extension. The obligation of
each Lender to make its initial Credit Extension hereunder is subject to
satisfaction of the following conditions precedent:

                                       76

<PAGE>

      (a) The Administrative Agent's receipt of the following, each of which
shall be originals, or electronic copies or facsimiles followed promptly by
originals (unless otherwise specified), each properly executed by a Responsible
Officer of the signing Loan Party (as applicable), each in form and substance
reasonably satisfactory to the Administrative Agent and its legal counsel:

            (i) executed counterparts of this Agreement and each Guaranty;

            (ii) a Note executed by the Company in favor of each Lender
      requesting a Note;

            (iii) such certificates of resolutions or other action, incumbency
      certificates and/or other certificates of Responsible Officers of each
      Loan Party as the Administrative Agent may reasonably require evidencing
      the identity, authority and capacity of each Responsible Officer thereof
      authorized to act as a Responsible Officer in connection with this
      Agreement and the other Loan Documents to which such Loan Party is a
      party;

            (iv) such documents and certifications as the Administrative Agent
      may reasonably require to evidence that each Loan Party is duly organized
      or formed, validly existing, in good standing and qualified to engage in
      business in its jurisdiction of organization;

            (v) an opinion of Nelson Mullins Riley & Scarborough LLP, counsel to
      the Loan Parties, addressed to each Agent and each Lender and in form and
      substance reasonably satisfactory to the Administrative Agent;

            (vi) a certificate signed by a Responsible Officer of the Company
      certifying as to the satisfaction of the conditions set forth in Section
      4.02(a) (other than with respect to the representation and warranty in
      Section 5.05(b)) and Section 4.02(b);

            (vii) a Committed Loan Notice or Letter of Credit Application, as
      applicable, relating to the initial Credit Extension.

      (b) The Company is in compliance with the Fee Letters and all fees and
expenses required to be paid on or before the Closing Date shall have been paid
in full in cash.

      (c) All governmental and third party consents and approvals necessary in
connection with the Loan Documents and the transactions contemplated thereby
shall have been obtained.

      (d) The Administrative Agent shall have received evidence reasonably
satisfactory to it that (i) the Existing Credit Agreement has been or
concurrently with the Closing Date is being terminated, all Liens securing
obligations under the Existing Credit Agreement have been or concurrently with
the Closing Date are being released and all amounts outstanding thereunder have
been (or will be with Cash on Hand and the proceeds of the Loans on the Closing
Date) paid in full and (ii) the Wachovia Credit Agreement has been or
concurrently with the Closing Date is being terminated and all amounts
outstanding thereunder have been (or will be, at the

                                       77

<PAGE>

option of the Company, with Cash on Hand and the proceeds of the Loans on the
Closing Date) paid in full.

      (e) There has been no change, occurrence or development since December 31,
2005 that either individually or in the aggregate, would constitute or would
reasonably be expected to (1) have a material adverse effect on the business,
assets, liabilities, results of operations or financial position of the
Restricted Companies, taken as a whole, (2) materially and adversely affect the
ability of any Loan Party to perform its obligations under the Loan Documents or
(3) materially and adversely affect the rights and remedies of the Lenders under
the Loan Documents.

      Section 4.02. Conditions to All Credit Extensions. The obligation of each
Lender to honor any Request for Credit Extension (other than a Committed Loan
Notice requesting only a conversion of Committed Loans to the other Type, or a
continuation of Eurocurrency Rate Committed Loans) is subject to the following
conditions precedent:

      (a) The representations and warranties of each Loan Party contained in
Article 5 or any other Loan Document shall be true and correct in all material
respects on and as of the date of such Credit Extension, except (i) to the
extent that such representations and warranties specifically refer to an earlier
date, in which case they shall be true and correct in all material respects as
of such earlier date and (ii) that for purposes of this Section 4.02(a), the
representations and warranties contained in Section 5.05(a) shall be deemed to
refer to the most recent financial statements furnished pursuant to Section
6.01(a) and Section 6.01(b) and, in the case of the financial statements
furnished pursuant to Section 6.01(b), the representations contained in Section
5.05(a), as modified by this clause (ii), shall be qualified by the statement
that such financial statements are subject to the absence of footnotes and
year-end audit adjustments.

      (b) No Default shall exist, or would result from such proposed Credit
Extension or from the application of the proceeds therefrom.

      (c) The Administrative Agent and, if applicable, the L/C Issuer or the
applicable Swing Line Lender shall have received a Request for Credit Extension
in accordance with the requirements hereof.

      (d) If the applicable Borrower is a Designated Borrower, then the
conditions of Section 2.15 to the designation of such Borrower as a Designated
Borrower shall have been met to the reasonable satisfaction of the
Administrative Agent.

      (e) In the case of a Credit Extension to be denominated in an Alternative
Currency, there shall not have occurred any change in national or international
financial, political or economic conditions or currency exchange rates or
exchange controls which in the reasonable opinion of the Administrative Agent,
the Required Lenders (in the case of any Loans to be denominated in an
Alternative Currency) or the L/C Issuer (in the case of any Letter of Credit to
be denominated in an Alternative Currency) would make it impracticable for such
Credit Extension to be denominated in the relevant Alternative Currency.

                                       78

<PAGE>

      Each Request for Credit Extension (other than a Committed Loan Notice
requesting only a conversion of Committed Loans to the other Type or a
continuation of Eurocurrency Rate Committed Loans) submitted by the Company
shall be deemed to be a representation and warranty that the conditions
specified in Section 4.02(a) and (b) have been satisfied on and as of the date
of the applicable Credit Extension.

                                    ARTICLE 5
                         REPRESENTATIONS AND WARRANTIES

      The Company and each other Borrower represents and warrants to the Agents
and the Lenders that:

      Section 5.01. Existence, Qualification and Power; Compliance with Laws.
Each Restricted Company (a) is a Person, validly existing and in good standing
under the Laws of the jurisdiction of its organization, (b) has all requisite
power and authority to (i) own or lease its assets and carry on its business and
(ii) execute, deliver and perform its obligations under the Loan Documents to
which it is a party, (c) is duly qualified and in good standing under the Laws
of each jurisdiction where its ownership, lease or operation of properties or
the conduct of its business requires such qualification, (d) is in compliance
with all Laws (including, without limitation, Environmental Laws), orders, writs
and injunctions, and (e) has all requisite governmental licenses,
authorizations, consents and approvals to operate its business as currently
conducted; except in each case referred to in clauses (a) (other than with
respect to the Borrowers), (c), (d) or (e), to the extent that failure to do so
could not reasonably be expected to have a Material Adverse Effect.

      Section 5.02. Authorization; No Contravention. The execution, delivery and
performance by each Loan Party of each Loan Document to which such Person is a
party are (a) within such Loan Party's corporate or other powers, (b) have been
duly authorized by all necessary corporate, shareholder or other organizational
action, and (c) do not and will not (i) contravene the terms of any of such
Person's Organization Documents, (ii) conflict with or result in any breach or
contravention of, or the creation of any Lien under (other than as permitted by
Section 7.01), or require any payment to be made under, (A) any documentation
governing any Permitted Subordinated Indebtedness, (B) any other Contractual
Obligation to which such Person is a party or affecting such Person or the
properties of such Person or any of its Subsidiaries or (C) any order,
injunction, writ or decree, of or with any Governmental Authority or any
arbitral award to which such Person or its property is subject, or (iii)
violate, in any material respect, any Law; except with respect to any conflict,
breach or contravention or payment (but not creation of Liens) referred to in
clause (ii) to the extent that such conflict, breach, contravention or payment
could not reasonably be expected to have a Material Adverse Effect.

      Section 5.03. Governmental Authorization; Other Consents. No material
approval, consent, exemption, authorization, or other action by, or notice to,
or filing with, any Governmental Authority or any other Person is necessary or
required to be made or obtained by any Loan Party in connection with (a) the
execution, delivery or performance by any Loan Party of this Agreement or any
other Loan Document or (b) the exercise by the Administrative Agent or any
Lender of its rights under the Loan Documents, except for (i) the approvals,
consents,

                                       79

<PAGE>

exemptions, authorizations, actions, notices and filings which have been duly
obtained, taken, given or made and are in full force and (ii) those approvals,
consents, exemptions, authorizations, actions, notices or filings, the failure
of which to obtain or make could not reasonably be expected to have a Material
Adverse Effect.

      Section 5.04. Binding Effect. This Agreement and each other Loan Document
has been duly executed and delivered by each Loan Party that is party thereto.
This Agreement and each other Loan Document constitutes a legal, valid and
binding obligation of each Loan Party that is a party thereto, enforceable
against such Loan Party in accordance with its terms, except as such
enforceability may be limited by bankruptcy insolvency, reorganization,
receivership, moratorium or other Laws affecting creditors' rights generally and
by general principles of equity.

      Section 5.05. Financial Statements; No Material Adverse Effect. (a) The
(i) audited consolidated balance sheet of the Company and its Subsidiaries for
the fiscal year ended December 31, 2005, and the related consolidated statements
of income, shareholders' equity and cash flows for such fiscal year of the
Company and its Subsidiaries, including the notes thereto and (ii) unaudited
consolidated balance sheet of the Company and its Subsidiaries dated September
30, 2006, and the related consolidated statements of income, shareholders'
equity and cash flows for the three fiscal quarter period ended on such date
(collectively, the "HISTORICAL FINANCIAL STATEMENTS") fairly present in all
material respects the financial condition of the Company and its Subsidiaries as
of the date thereof and their results of operations and cash flows for the
period covered thereby in accordance with GAAP consistently applied throughout
the period covered thereby, except as otherwise expressly noted therein (and,
with respect to unaudited financial statements, the absence of footnotes and
subject to such adjustments as would be made in connection with the audit of
financial statements for the relevant period).

      (b) Since December 31, 2005, there has been no change, effect, event or,
occurrence that has had or would reasonably be expected to have a Material
Adverse Effect.

      (c) The forecasts prepared by management of the Company of consolidated
balance sheets, income statements and cash flow statements for each year
commencing with the fiscal year ending on December 31, 2006 through the fiscal
year ending on December 31, 2011 (the "CLOSING DATE FORECASTS"), copies of which
have been furnished to the Administrative Agent and the Lenders prior to the
Closing Date, have been prepared in good faith based upon assumptions believed
in good faith by the Company to be reasonable in light of conditions existing at
the time of preparation, it being understood that (i) such forecasts, as to
future events, are not to be viewed as facts, that actual results during the
period or periods covered by any such forecasts may differ significantly from
the forecasted results and that such differences may be material and that such
forecasts are not a guarantee of financial performance and (ii) no
representation is made with respect to information of a general economic or
general industry nature.

      Section 5.06. Litigation. Except as disclosed in Schedule 5.06, there are
no actions, suits, proceedings, claims or disputes pending or, to the knowledge
of the Borrowers, threatened in writing, at law, in equity, in arbitration or
before any Governmental Authority or Regulatory Supervising Organization, by or
against any Borrower or any of its Restricted Subsidiaries or

                                       80

<PAGE>

against any of their properties or revenues that either individually or in the
aggregate, would reasonably be expected to have a Material Adverse Effect.

      Section 5.07. Ownership of Property; Liens. Each Loan Party and each of
its Restricted Subsidiaries has good record and marketable title in fee simple
to, or valid leasehold interests in, or easements or other limited property
interests in, all real property necessary in the ordinary conduct of its
business, free and clear of all Liens except for minor defects in title that do
not materially interfere with its ability to conduct its business or to utilize
such assets for their intended purposes and Liens permitted by Section 7.01 and
except where the failure to have such title or the existence of such Lien could
not reasonably be expected to have, individually or in the aggregate, a Material
Adverse Effect.

      Section 5.08. [Intentionally Omitted].

      Section 5.09. Taxes. The Company and its Subsidiaries have filed all
Federal and material state and other tax returns and reports required to be
filed, and have paid all Federal and material state and other taxes,
assessments, fees and other governmental charges levied or imposed upon them or
their properties, income or assets otherwise due and payable, except those (a)
which are not overdue by more than 30 days, (b) which are being contested in
good faith by appropriate proceedings diligently conducted and for which
adequate reserves have been provided in accordance with GAAP or (c) with respect
to which the failure to make such filing or payment could not reasonably be
expected to have a Material Adverse Effect.

      Section 5.10. ERISA Compliance. (a) Each Plan is in compliance in all
material respects with the applicable provisions of ERISA and the Code except to
the extent that non-compliance could not reasonably be expected to have a
Material Adverse Effect. In the preceding five years, each Loan Party and each
ERISA Affiliate have made all required contributions to each Pension Plan
subject to Section 412 of the Code, and in the preceding five years, no
application for a funding waiver or an extension of any amortization period
pursuant to Section 412 of the Code has been made with respect to any Plan,
except to the extent a failure to make such contributions or application, as the
case may be, could not reasonably be expected to have a Material Adverse Effect.

      (b) There are no pending or, to the knowledge of any Borrower, threatened
claims, actions or lawsuits, or action by any Governmental Authority, with
respect to any Plan that would reasonably be expected to have a Material Adverse
Effect. There has been no prohibited transaction or violation of the fiduciary
responsibility rules with respect to any Plan that has resulted or would
reasonably be expected to result in a Material Adverse Effect.

      (c) (i) No ERISA Event has occurred or is reasonably expected to occur;
(ii) no Pension Plan has an "accumulated funding deficiency" (as defined in
Section 412 of the Code), whether or not waived, and no application for a waiver
of the minimum funding standard has been filed with respect to any Pension Plan;
(iii) none of the Borrowers nor any ERISA Affiliate has incurred, or reasonably
expects to incur, any liability under Title IV of ERISA with respect to any
Pension Plan (other than premiums not yet due or premiums due and not yet
delinquent under Section 4007 of ERISA); (iv) none of the Borrowers nor any
ERISA Affiliate has incurred, or reasonably expects to incur, any liability (and
no event has occurred which, with the giving of

                                       81

<PAGE>

notice under Section 4219 of ERISA, would result in such liability) under
Sections 4201 or 4243 of ERISA with respect to a Multiemployer Plan; and (v)
none of the Borrowers nor any ERISA Affiliate has engaged in a transaction that
could be subject to Sections 4069 or 4212(c) of ERISA, except, with respect to
each of the foregoing clauses of this Section 5.10(c), as could not reasonably
be expected, individually or in the aggregate, to result in a Material Adverse
Effect.

      Section 5.11. Subsidiaries; Equity Interests. As of the Closing Date, (a)
the Equity Interests of each Restricted Subsidiary that are owned directly or
indirectly by the Company are owned free and clear of all Liens except for any
Lien permitted under Section 7.01 and (b) Schedule 5.11 (i) sets forth the name
and jurisdiction of organization of each Subsidiary (other than Subsidiaries
that in the aggregate represent less than the greater of (x) 5% of the Total
Consolidated Assets and (y) 5% of the Consolidated EBITDA of the Company and its
Consolidated Subsidiaries) and (ii) sets forth the ownership interest of the
Company and any other Subsidiary in each such Subsidiary, including the
percentage of such ownership.

      Section 5.12. Margin Regulations; Investment Company Act. (a) No proceeds
of any Borrowings or drawings under any Letter of Credit will be used to
purchase or carry any margin stock or to extend credit to others for the purpose
of purchasing or carrying any margin stock in violation of Regulation U issued
by the FRB.

      (b) None of the Borrowers, any Person Controlling any of the foregoing,
nor any Restricted Subsidiary is or is required to be registered as an
"investment company" under the Investment Company Act of 1940.

      Section 5.13. Disclosure. No report, financial statement, certificate or
other written information furnished by or on behalf of any Loan Party to any
Agent or any Lender in connection with the transactions contemplated hereby and
the negotiation of this Agreement or delivered hereunder or any other Loan
Document (as modified or supplemented by other information so furnished) when
taken as a whole (and considered together with all information publicly
disclosed by the Consolidated Companies) contains any material misstatement of
fact or omits to state any material fact necessary to make the statements
therein, in the light of the circumstances under and at the time which they were
made, not materially misleading; provided that, with respect to financial
estimates, projected or forecasted financial information and other
forward-looking information, the Company and each other Borrower represent and
warrant only that such information was prepared in good faith based upon
assumptions believed by the Company to be reasonable in light of conditions
existing at the time of preparation; it being understood that (A) such
projections and forecasts, as to future events, are not to be viewed as facts,
that actual results during the period or periods covered by any such projections
or forecasts may differ significantly from the projected or forecasted results
and that such differences may be material and that such projections and
forecasts are not a guarantee of financial performance and (B) no representation
is made with respect to information of a general economic or general industry
nature.

      Section 5.14. Solvency. On the Closing Date after giving effect to the
Transaction, the Loan Parties, on a consolidated basis, are Solvent.

                                       82

<PAGE>

                                    ARTICLE 6
                              AFFIRMATIVE COVENANTS

      So long as any Lender shall have any Commitment hereunder, any Loan or
other Obligation hereunder which is accrued and payable shall remain unpaid or
unsatisfied, or any Letter of Credit shall remain outstanding or not otherwise
provided for in full in a manner reasonably satisfactory to the L/C Issuer, the
Company shall, and shall (except in the case of the covenants set forth in
Section 6.01, Section 6.02, Section 6.03 and Section 6.14) cause each Restricted
Subsidiary to:

      Section 6.01. Financial Statements. Deliver to the Administrative Agent
for further distribution to each Lender:

      (a) as soon as available, but in any event within 105 days after the end
of each fiscal year of the Company beginning with the fiscal year ending on
December 31, 2006, a consolidated balance sheet of the Company and its
Subsidiaries as at the end of such fiscal year, and the related consolidated
statements of income or operations, shareholders' equity and cash flows for such
fiscal year, setting forth in each case in comparative form the figures for the
previous fiscal year, all in reasonable detail and prepared in accordance with
GAAP, and audited and accompanied by a report and opinion of KPMG LLP or any
other independent certified public accountant of nationally recognized standing,
which report and opinion shall be prepared in accordance with generally accepted
auditing standards and shall not be subject to any "going concern" or like
qualification or exception or any qualification or exception as to the scope of
such audit; provided that if the independent auditor provides an attestation and
a report with respect to management's report on internal control over financial
reporting and its own evaluation of internal control over financial reporting,
then such report may include a qualification or limitation due to the exclusion
of any acquired business from such report to the extent such exclusion is
permitted under rules or regulations promulgated by the SEC or the Public
Company Accounting Oversight Board;

      (b) as soon as available, but in any event within 60 days after the end of
each of the first three fiscal quarters of each fiscal year of the Company
beginning with the fiscal quarter ending on March 31, 2007, a consolidated
balance sheet of the Company and its Subsidiaries as at the end of such fiscal
quarter, and the related consolidated statements of income or operations,
shareholders' equity and cash flows for such fiscal quarter and for the portion
of the fiscal year then ended, setting forth, in each case, in comparative form
the figures for the corresponding fiscal quarter of the previous fiscal year and
the corresponding portion of the previous fiscal year, all in reasonable detail
and certified by a Responsible Officer of the Company as fairly presenting in
all material respects the financial condition, results of operations,
shareholders' equity and cash flows of the Company and its Subsidiaries in
accordance with GAAP, subject only to normal year-end audit adjustments and the
absence of footnotes;

      (c) as soon as available, but in any event no later than 105 days after
the end of each fiscal year, forecasts prepared by management of the Company, in
form reasonably satisfactory to the Administrative Agent of consolidated balance
sheets, income statements and cash flow statements of the Company and its
Subsidiaries for the fiscal year following such fiscal year then ended, which
shall be prepared in good faith upon reasonable assumptions at the time of

                                       83

<PAGE>

preparation and which shall state therein all the material assumptions on the
basis of which such forecasts were prepared), it being understood that actual
results may vary from such forecasts and that such variations may be material;
provided that compliance with this Section 6.01(c) shall not be required so long
as the Company achieves and maintains at least two of the following three
ratings: (i) a corporate credit rating of BBB- or higher from S&P, (ii) a
corporate family rating of Baa3 or higher from Moody's and (iii) an issuer
default rating of BBB- or higher from Fitch Ratings; and

      (d) if there are any Unrestricted Subsidiaries as of the last day of any
fiscal quarter, simultaneously with the delivery of each set of consolidated
financial statements referred to in Section 6.01(a) and 6.01(b) above, the
related consolidating financial statements reflecting the adjustments necessary
to eliminate the accounts of Unrestricted Subsidiaries from such consolidated
financial statements.

      Section 6.02. Certificates; Other Information. Deliver to the
Administrative Agent for further distribution to each Lender:

      (a) no later than five days after the delivery of each set of consolidated
financial statements referred to in Section 6.01(a), a certificate of the
Company's independent certified public accountants certifying such financial
statements and stating that in making the examination necessary therefor no
knowledge was obtained of any Event of Default under Section 7.10 or, if any
such Event of Default shall exist, stating the nature and status of such event;

      (b) no later than five days after the delivery of each set of consolidated
financial statements referred to in Section 6.01(a) and 6.01(b), a duly
completed Compliance Certificate signed by a Responsible Officer of the Company;

      (c) promptly after the same are publicly available, copies of each annual
report, proxy or financial statement sent to the stockholders of the Company,
and copies of all annual, regular, periodic and special reports and registration
statements (other than the exhibits thereto and any registration statements on
Form S-8 or its equivalent) which the Company files, copies of any report,
filing or communication with the SEC under Section 13 or 15(d) of the 1934 Act,
or with any Governmental Authority that may be substituted therefor, or with any
national securities exchange, and in any case not otherwise required to be
delivered to the Administrative Agent pursuant hereto;

      (d) promptly after the furnishing thereof, copies of any notices of
default or acceleration received by any Loan Party or notices of default or
acceleration furnished by any Loan Party to any holder of debt securities of any
of the Restricted Companies pursuant to the terms of any documentation governing
any Permitted Subordinated Indebtedness in a principal amount greater than the
Threshold Amount and not otherwise required to be furnished to the Lenders;

      (e) promptly after the receipt thereof by a Specified Responsible Officer
of the Company, copies of each notice or other correspondence received from any
Governmental Authority concerning any material investigation or other material
inquiry regarding any material

                                       84

<PAGE>

violation of applicable Law by any Restricted Company which would reasonably be
expected to have a Material Adverse Effect;

      (f) together with the delivery of each Compliance Certificate pursuant to
Section 6.02(b), a description of each event, condition or circumstance during
the last fiscal quarter covered by such Compliance Certificate requiring a
mandatory prepayment under Section 2.06(b); and

      (g) promptly after any request therefor, such additional information
regarding the business, legal, financial or corporate affairs of any Restricted
Company, or compliance with the terms of the Loan Documents, as the
Administrative Agent or any Lender through the Administrative Agent may from
time to time reasonably request.

Documents required to be delivered pursuant to Section 6.01(a) or (b) or Section
6.02(c) (to the extent any such documents are included in materials otherwise
filed with the SEC) may be delivered electronically and, if so delivered, shall
be deemed to have been delivered on the date (i) on which the Company posts such
documents, or provides a link thereto on the Company's website on the Internet
at the website address listed on Schedule 11.02; or (ii) on which such documents
are posted on the Company's behalf on IntraLinks or other relevant website, to
which each Lender and the Administrative Agent are granted access (whether a
commercial, third-party website or whether sponsored by the Administrative
Agent); provided that the Company shall notify (which may be by facsimile or
electronic mail or by an automated electronic alert of a posting) the
Administrative Agent of the posting of any such documents which notice may be
included in the certificate delivered pursuant to Section 6.02(b). Except for
such Compliance Certificates, the Administrative Agent shall have no obligation
to maintain copies of the documents referred to above, and in any event shall
have no responsibility to monitor compliance by the Company with any such
request for delivery, and each Lender shall be solely responsible for requesting
delivery to it or maintaining its copies of such documents. The Borrowers hereby
acknowledge that (a) the Administrative Agent and/or the Arrangers will make
available to the Lenders and the L/C Issuer materials and/or information
provided by or on behalf of the Borrowers hereunder (collectively, "BORROWER
MATERIALS") by posting the Borrower Materials on IntraLinks or another similar
electronic system (the "PLATFORM") and (b) certain of the Lenders may be
"public-side" Lenders (i.e., Lenders that do not wish to receive material
non-public information with respect to the Borrowers or their securities) (each,
a "PUBLIC LENDER"). The Borrowers hereby agree that (w) all Borrower Materials
that are to be made available to Public Lenders shall be clearly and
conspicuously marked "PUBLIC" which, at a minimum, shall mean that the word
"PUBLIC" shall appear prominently on the first page thereof; (x) by marking
Borrower Materials "PUBLIC," the Borrowers shall be deemed to have authorized
the Administrative Agent, the Arrangers, the L/C Issuer and the Lenders to treat
such Borrower Materials as either publicly available information or not material
information (although it may be sensitive and proprietary) with respect to the
Borrowers or their securities for purposes of United States Federal and state
securities laws; (y) all Borrower Materials marked "PUBLIC" are permitted to be
made available through a portion of the Platform designated "Public Investor;"
and (z) the Administrative Agent and the Arrangers shall treat any Borrower
Materials that are not marked "PUBLIC" as being suitable only for posting on a
portion of the Platform not designated "Public Investor."

                                       85

<PAGE>

      Section 6.03. Notices. Promptly notify the Administrative Agent after a
Specified Responsible Officer obtains knowledge of:

      (a) the occurrence of any Default; and

      (b) any matter that has resulted or would reasonably be expected to result
in a Material Adverse Effect, including any matter arising out of or resulting
from (i) breach or non-performance of, or any default under, a Contractual
Obligation of any Loan Party or any Subsidiary, (ii) any dispute, litigation,
investigation, proceeding or suspension between any Loan Party or any Restricted
Subsidiary and any Governmental Authority, (iii) the commencement of, or any
material adverse development in, any litigation, investigation or proceeding
affecting any Loan Party or any Subsidiary, or (iv) the occurrence of any ERISA
Event.

      Each notice pursuant to this Section 6.03 shall be accompanied by a
written statement of a Responsible Officer of the Company (x) that such notice
is being delivered pursuant to Section 6.03(a) or (b) (as applicable) and (y)
setting forth details of the occurrence referred to therein and stating what
action the Company has taken and proposes to take with respect thereto. Each
notice pursuant to Section 6.03(a) shall describe with particularity to the
extent known any and all provisions of this Agreement and any other Loan
Document in respect of which such Default exists.

      Section 6.04. Payment of Obligations. Pay, discharge or otherwise satisfy
as the same shall become due and payable, all of its obligations and liabilities
except, in each case, to the extent the failure to pay or discharge the same
could not reasonably be expected to have a Material Adverse Effect or such
obligations or liabilities are being contested in good faith by appropriate
proceedings.

      Section 6.05. Preservation of Existence, Etc. (a) Preserve, renew and
maintain in full force and effect its legal existence under the Laws of the
jurisdiction of its organization except in a transaction permitted by Section
7.05 (and, in the case of any Restricted Subsidiary, other than a Designated
Borrower, to the extent the failure to do so, could not reasonably be expected
to have a Material Adverse Effect) and (b) take all reasonable action to
maintain all rights, privileges (including its good standing), permits, licenses
and franchises necessary or desirable in the normal conduct of its business,
except to the extent that failure to do so could not reasonably be expected to
have a Material Adverse Effect.

      Section 6.06. Maintenance of Properties. Except if the failure to do so
could not reasonably be expected to have a Material Adverse Effect, (a)
maintain, preserve and protect all of its material properties and equipment
necessary in the operation of its business in good working order, ordinary wear
and tear excepted and casualty and condemnation excepted, and (b) make all
necessary renewals, replacements, modifications, improvements, upgrades,
extensions and additions to material properties and equipment in accordance with
prudent industry practice.

      Section 6.07. Maintenance of Insurance. Maintain with financially sound
and reputable insurance companies, insurance of such types and in such amounts
(after giving effect to any self-insurance) reasonable and customary for
similarly situated Persons engaged in the same or

                                       86

<PAGE>

similar businesses as the Borrowers and the Restricted Subsidiaries) as are
customarily carried under similar circumstances by such other Persons except, in
the case of Foreign Subsidiaries, to the extent that the failure to maintain
such insurance with respect to one or more Foreign Subsidiaries could not
reasonably be expected to result in a Material Adverse Effect.

      Section 6.08. Compliance with Laws. Comply in all material respects with
the requirements of all Laws (including, without limitation, Environmental Laws)
and all orders, writs, injunctions, and decrees applicable to it or to its
business or property, except if the failure to comply therewith could not
reasonably be expected to have a Material Adverse Effect or the necessity of
compliance therewith is being contested in good faith by appropriate
proceedings.

      Section 6.09. Books and Records. Maintain proper books of record and
account, in a manner to allow financial statements to be prepared in conformity
with GAAP consistently applied shall be made of all material financial
transactions and matters involving the assets and business of such Borrower or
such Restricted Subsidiary, as the case may be.

      Section 6.10. Inspection Rights. With respect to any Loan Party, permit
representatives and independent contractors of the Administrative Agent and each
Lender to visit and inspect any of its properties, to examine its corporate,
financial and operating records, and make copies thereof or abstracts therefrom,
and to discuss its affairs, finances and accounts with its directors, officers,
and independent public accountants, all at the expense of the Borrowers and at
such reasonable times during normal business hours and as often as may be
reasonably desired, upon reasonable advance notice to the Borrowers; provided
that, excluding any such visits and inspections during the continuation of an
Event of Default, only the Administrative Agent on behalf of the Lenders may
exercise rights under this Section 6.10 and the Administrative Agent shall not
exercise such rights more often than once during any calendar year absent the
existence of an Event of Default and such inspections shall be conducted at the
sole expense of the Administrative Agent without charge to the Borrowers;
provided further that when an Event of Default exists the Administrative Agent
or any Lender (or any of their respective representatives or independent
contractors) may do any of the foregoing at the expense of the Borrowers at any
time during normal business hours and upon reasonable advance notice. The
Administrative Agent and the Lenders shall give the Company the opportunity to
participate in any discussions with the Company's accountants.

      Section 6.11. Use of Proceeds. Use the proceeds of the Credit Extensions
(i) to repay existing Indebtedness of the Consolidated Companies, (ii) to pay
fees and expenses incurred in connection with the Transaction and (iii) to
provide ongoing working capital and for other general corporate purposes of the
Consolidated Companies (including Permitted Acquisitions).

      Section 6.12. Covenant to Guarantee Obligations. (a) Cause the following
Restricted Subsidiaries to guarantee the Obligations (each a "SUBSIDIARY
GUARANTOR"): such Restricted Subsidiaries as shall constitute (x) at least 95%
of the Consolidated EBITDA of the Company and its Domestic Subsidiaries
(excluding, for the purposes of such calculation, all Unrestricted Subsidiaries,
but including any Subsidiaries that were, at one time, designated as
Unrestricted Subsidiaries, but have been redesignated as Restricted Subsidiaries
pursuant to Section 6.14) for the four fiscal quarters most recently ended for
which financial statements have been delivered pursuant to Section 6.01 and (y)
at least 95% of the Total Assets of the Company and its

                                       87

<PAGE>

Domestic Subsidiaries (excluding, for the purposes of such calculation, all
Unrestricted Subsidiaries, but including any Subsidiaries that were, at one
time, designated as Unrestricted Subsidiaries, but have been redesignated as
Restricted Subsidiaries pursuant to Section 6.14) as of the last day of the
fiscal quarter most recently ended for which financial statements have been
delivered pursuant to Section 6.01. Notwithstanding the foregoing, (i) any
Restricted Subsidiary that is a guarantor of any Permitted Subordinated
Indebtedness shall also be required to be a Subsidiary Guarantor, (ii) no
Subsidiary shall be required to be a Subsidiary Guarantor if such Subsidiary is
a Foreign Subsidiary or a Domestic Subsidiary of a Foreign Subsidiary and (iii)
no Restricted Subsidiary that is prohibited from guaranteeing the Obligations
pursuant to documents governing any Indebtedness assumed in connection with a
Permitted Acquisition and not incurred in contemplation thereof shall be
required to become a Subsidiary Guarantor for so long as such Indebtedness
remains outstanding.

      (b) At the end of each fiscal quarter of the Company, the Company shall
determine whether any Restricted Companies that are not currently Subsidiary
Guarantors shall be required, pursuant to the provisions of Section 6.12(a) to
become Subsidiary Guarantors and, within 30 days after the end of such fiscal
quarter (or such longer period as the Administrative Agent may agree in its
reasonable discretion), will at the Company's expense cause any new Subsidiary
Guarantors to duly execute and deliver to the Administrative Agent a guaranty
substantially in the form of Exhibit G (either directly or via a guaranty
supplement) or such other form of guaranty or guaranty supplement to guarantee
the Obligations in form and substance reasonably satisfactory to the
Administrative Agent and the Company, it being understood and agreed that each
Subsidiary that is required to be a Subsidiary Guarantor on the Closing Date
shall duly execute and deliver to the Administrative Agent a Subsidiary Guaranty
on the Closing Date; provided that in connection with any acquisition of any
Restricted Company, if any Subsidiary that is not already a Subsidiary Guarantor
shall be required, pursuant to the provisions of Section 6.12(a) to become a
Subsidiary Guarantor, the Company shall, in each case at the Company's expense
and within 30 days of being so required, cause such Subsidiary to duly execute
and deliver to the Administrative Agent a Subsidiary Guaranty. To the extent
that the Company shall determine at any time that certain Restricted
Subsidiaries that are not required to be Subsidiary Guarantors pursuant to the
provisions of Section 6.12(a) above are parties to a Subsidiary Guaranty, the
Company shall be entitled to give notice to that effect to the Administrative
Agent whereupon such Restricted Subsidiaries shall no longer be deemed to be
Subsidiary Guarantors and the Administrative Agent shall promptly release each
such Restricted Subsidiary from its Subsidiary Guaranty.

      Section 6.13. [Intentionally Omitted].

      Section 6.14. Designation of Subsidiaries. The Company may at any time
designate any Restricted Subsidiary as an Unrestricted Subsidiary or any
Unrestricted Subsidiary as a Restricted Subsidiary; provided that (a) other than
in the case of the designation of a Joint Venture in existence on the Closing
Date that thereafter becomes a Subsidiary (an "EXCLUDED UNRESTRICTED
SUBSIDIARY"), immediately before and after such designation, no Default shall
have occurred and be continuing, (b) other than in the case of the designation
of a Excluded Unrestricted Subsidiary, immediately after giving effect to such
designation, the Company and its Consolidated Subsidiaries shall be in
compliance, on a Pro Forma Basis, with the covenants set forth in Section 7.10
(and, as a condition precedent to the effectiveness of any such

                                       88

<PAGE>

designation, the Company shall deliver to the Administrative Agent a certificate
setting forth in reasonable detail the calculations demonstrating such
compliance), (c) no Borrower may be designated as an Unrestricted Subsidiary,
(d) no designation of a Restricted Subsidiary as an Unrestricted Subsidiary,
other than an Excluded Unrestricted Subsidiary, shall be effective if,
immediately after such designation, (i) the Consolidated EBITDA of the
Unrestricted Subsidiaries would exceed 10% of the Consolidated EBITDA of the
Consolidated Companies for the four fiscal quarter period then most recently
ended or (ii) the Total Assets of all Unrestricted Subsidiaries would exceed 5%
of the Total Consolidated Assets, in each case determined without regard to any
Excluded Unrestricted Subsidiary at any time after such Person becomes a
Subsidiary, and (e) no Subsidiary may be designated as an Unrestricted
Subsidiary if it is a "Restricted Subsidiary" for the purpose of any Permitted
Subordinated Indebtedness. The designation of any Subsidiary as an Unrestricted
Subsidiary shall constitute an Investment by the applicable Restricted Companies
therein at the date of designation in an amount equal to the net book value (or,
in the case of any guarantee or similar Investment, the amount) of the
Restricted Companies' Investments therein. If any Person becomes a Restricted
Subsidiary on any date after the Closing Date (including by redesignation of an
Unrestricted Subsidiary as a Restricted Subsidiary), the Indebtedness of such
Person outstanding on such date will be deemed to have been incurred by such
Person on such date for purposes of Section 7.03, but will not be considered the
sale or issuance of Equity Interests for purposes of Section 7.05.

                                    ARTICLE 7
                               NEGATIVE COVENANTS

      So long as any Lender shall have any Commitment hereunder, any Loan or
other Obligation hereunder which is accrued and payable shall remain unpaid or
unsatisfied, or any Letter of Credit shall remain outstanding or not otherwise
provided for in full in a manner reasonably satisfactory to the L/C Issuer, the
Company shall not, nor shall it permit any Restricted Subsidiary to, directly or
indirectly:

      Section 7.01. Liens. Create, incur, assume or suffer to exist any Lien
upon any of its property, assets or revenues, whether now owned or hereafter
acquired, other than the following:

      (a) Liens pursuant to any Loan Document;

      (b) Liens existing on the Closing Date and listed on Schedule 7.01 and any
modifications, replacements, renewals or extensions thereof; provided that (i)
the Lien does not extend to any additional property other than (A)
after-acquired property that is affixed or incorporated into the property
covered by such Lien or financed by Indebtedness permitted under Section 7.03,
and (B) proceeds and products thereof and (ii) the modification, replacement,
renewal, extension or refinancing of the obligations secured or benefited by
such Liens (if such obligations constitute Indebtedness) is permitted by Section
7.03;

      (c) Liens for taxes, assessments or governmental charges which are not
overdue for a period of more than 30 days, or, if more than 30 days overdue, (i)
which are being contested in good faith and by appropriate proceedings
diligently conducted, if adequate reserves with respect thereto are maintained
on the books of the applicable Person in accordance with GAAP or (ii)

                                       89

<PAGE>

with respect to which the failure to make payment could not reasonably be
expected to have a Material Adverse Effect;

      (d) statutory Liens of landlords, carriers, warehousemen, mechanics,
materialmen, repairmen, construction contractors or other like Liens arising in
the ordinary course of business which secure amounts not overdue for a period of
more than 30 days or, if more than 30 days overdue, (i) no action has been taken
to enforce such Lien, (ii) such Lien is being contested in good faith and by
appropriate proceedings diligently conducted, if adequate reserves with respect
thereto are maintained on the books of the applicable Person in accordance with
GAAP or (iii) with respect to which the failure to make payment as to all such
amounts, in the aggregate, could not reasonably be expected to have a Material
Adverse Effect;

      (e) (i) Liens incurred in the ordinary course of business in connection
with workers' compensation, unemployment insurance and other social security
legislation, (ii) Liens incurred in the ordinary course of business securing
insurance premiums or reimbursement obligations under insurance policies or
(iii) obligations in respect of letters of credit or bank guarantees that have
been posted by a Restricted Company to support the payment of the items set
forth in clauses (i) and (ii) of this Section 7.01(e);

      (f) (i) deposits to secure the performance of bids, trade contracts,
governmental contracts and leases (other than Indebtedness for borrowed money),
statutory obligations, surety, stay, customs and appeal bonds, performance
bonds, performance and completion guarantees and other obligations of a like
nature (including those to secure health, safety and environmental obligations)
incurred in the ordinary course of business and (ii) obligations in respect of
letters of credit or bank guarantees that have been posted by a Restricted
Company to support the payment of items set forth in clause (i) of this Section
7.01(f);

      (g) easements, rights-of-way, restrictions, encroachments, protrusions and
other similar encumbrances and minor title defects affecting real property
which, in the aggregate, do not in any case materially and adversely interfere
with the ordinary conduct of the business of the applicable Person;

      (h) Liens securing judgments for the payment of money not constituting an
Event of Default under Section 8.01(h);

      (i) Liens arising in connection with the Cash Management Practices,
including Liens securing borrowings from financial institutions and their
Affiliates permitted under Section 7.03(m) to the extent specified therein;

      (j) (i) leases, licenses, subleases or sublicenses granted to other
Persons in the ordinary course of business which do not (A) interfere in any
material respect with the business of the Company or any of its material
Restricted Subsidiaries or (B) secure any Indebtedness (other than any
obligation that is Indebtedness solely as a result of the operation of clause
(e) of the definition thereof) and (ii) the rights reserved or vested in any
Person by the terms of any lease, license, franchise, grant or permit held by
any Restricted Company or by a statutory provision to terminate any such lease,
license, franchise, grant or permit or to require periodic payments as a
condition to the continuance thereof;

                                       90

<PAGE>

      (k) Liens in favor of customs and revenue authorities arising as a matter
of law to secure payment of customs duties in connection with the importation of
goods in the ordinary course of business;

      (l) Liens (i) of a collection bank arising under Section 4-210 of the
Uniform Commercial Code on items in the course of collection, (ii) attaching to
commodity trading accounts or other brokerage accounts incurred in the ordinary
course of business, (iii) in favor of a banking institution arising as a matter
of law encumbering deposits (including the right of set-off) and which are
within the general parameters customary in the banking industry and (iv) of
financial institutions funding the Vault Cash Operations in the cash provided by
such institutions for such Vault Cash Operations;

      (m) Liens (i) (A) on advances of cash or Cash Equivalents in favor of the
seller of any property to be acquired in an Investment permitted pursuant to
Section 7.02(h) and (l) to be applied against the purchase price for such
Investment, and (B) consisting of an agreement to Dispose of any property in a
Disposition permitted under Section 7.05 and (ii) on cash earnest money deposits
made by any Restricted Company in connection with any letter of intent or
purchase agreement permitted hereunder;

      (n) Liens on property of any Foreign Subsidiary securing Indebtedness of
such Foreign Subsidiary to the extent permitted under Section 7.03;

      (o) Liens in favor of any Restricted Company securing Indebtedness
permitted under Section 7.03(e) or other obligations other than Indebtedness
owed by a Restricted Company to another Restricted Company;

      (p) Liens existing on property at the time of its acquisition or existing
on the property of any Person at the time such Person becomes a Restricted
Subsidiary, in each case after the date hereof and any modifications,
replacements, renewals or extensions thereof; provided that (i) such Lien was
not created in contemplation of such acquisition or such Person becoming a
Restricted Subsidiary, (ii) in the case of Liens securing purchase money
Indebtedness or Capitalized Leases, such Lien does not extend to or cover any
other assets or property (other than the proceeds or products thereof and
after-acquired property subjected to a Lien pursuant to terms existing at the
time of such acquisition, it being understood that such requirement shall not be
permitted to apply to any property to which such requirement would not have
applied but for such acquisition); provided that individual financings otherwise
permitted to be secured hereunder provided by one Person (or its affiliates) may
be cross collateralized to other such financings provided by such Person (or its
affiliates), (iii) in the case of Liens securing Indebtedness other than
purchase money Indebtedness or Capitalized Leases, such Liens do not extend to
the property of any Person other than the Person acquired or formed to make such
acquisition and the subsidiaries of such Person and (iv) the Indebtedness
secured thereby (or, as applicable, any modifications, replacements, renewals or
extensions thereof) is permitted under Section 7.03;

      (q) Liens arising from precautionary UCC financing statement filings (or
similar filings under applicable Law) regarding leases entered into by the
Company or any of its

                                       91

<PAGE>

Restricted Subsidiaries in the ordinary course of business (and Liens consisting
of the interests or title of the respective lessors thereunder);

      (r) Liens arising out of conditional sale, title retention, consignment or
similar arrangements for sale of goods entered into by any Restricted Company in
the ordinary course of business not prohibited by this Agreement;

      (s) Liens that are contractual rights of set-off (i) relating to the
establishment of depository relations with banks not given in connection with
the issuance of Indebtedness (other than Indebtedness described in clause (e) of
the definition thereof), (ii) relating to pooled deposit or sweep accounts of
any Restricted Company to permit satisfaction of overdraft or similar
obligations incurred in the ordinary course of business of such Restricted
Company and (iii) relating to purchase orders and other similar agreements
entered into in the ordinary course of business;

      (t) Liens securing obligations permitted under Section 7.03(u) to the
extent specified therein;

      (u) Liens on the assets of a Securitization Vehicle securing Indebtedness
under any Securitization Financing permitted under Section 7.03(v);

      (v) Liens securing the Specified Non-Recourse Indebtedness permitted under
Section 7.03(f) to the extent specified therein; and

      (w) other Liens securing Indebtedness or other obligations outstanding in
an aggregate principal amount not to exceed the greater of (i) 5% of Total
Consolidated Assets and (ii) $150,000,000.

      Section 7.02. Investments. Make or hold any Investments, except:

      (a) Investments by a Restricted Company in assets that were Cash
Equivalents when such Investment was made, and the holding of cash at any time
by a Restricted Company;

      (b) loans or advances to directors, officers, members of management,
employees and consultants of a Restricted Company in an aggregate amount not to
exceed $20,000,000 at any time outstanding, for business related travel,
entertainment, relocation and analogous ordinary business purposes or in
connection with such Person's purchase of Equity Interests of the Company;

      (c) Investments (i) by any Loan Party in any other Loan Party, (ii) by the
Company or any of its Domestic Subsidiaries in the Company or any of its
Domestic Subsidiaries, (iii) by any Restricted Subsidiary that is not a Loan
Party in any Restricted Company and (iv) by any Loan Party in any Restricted
Subsidiary that is not a Loan Party in an aggregate amount for all such
Investments under this clause (iv) not to exceed, at the time such Investment is
made and after giving effect to such Investment, the sum of (A) $100,000,000,
plus (B) the amount (if positive) by which 5% of the Total Consolidated Assets
exceeds the aggregate amount of all Investments in Unrestricted Subsidiaries
made or deemed to be made pursuant to Section 7.02(n), plus (C) the

                                       92

<PAGE>

aggregate amount of any cash repayment of or return on such Investments
theretofore received by the Loan Parties;

      (d) Investments consisting of extensions of credit in the nature of
accounts receivable or notes receivable arising from the grant of trade credit
in the ordinary course of business, and Investments received in satisfaction or
partial satisfaction thereof from financially troubled account debtors and other
credits to suppliers in the ordinary course of business;

      (e) Investments consisting of Liens, Indebtedness, Dispositions and
Restricted Payments permitted under Section 7.01, 7.03, 7.05 and 7.06,
respectively;

      (f) Investments existing or contemplated on the Closing Date (including
those in the Brazilian Joint Venture) and set forth on Schedule 7.02 and any
modification, replacement, renewal or extension thereof; provided that the
amount of the original Investment is not increased except by the terms of such
Investment or as otherwise permitted by this Section 7.02;

      (g) promissory notes and other noncash consideration received in
connection with Dispositions permitted by Section 7.05;

      (h) the purchase or other acquisition of all or substantially all of the
property and assets or business of, any Person or of assets constituting a
business unit, a line of business or division of such Person, or of more than
50% of the Equity Interests in a Person that, upon the consummation thereof,
will be owned directly by the Company or one or more of its wholly owned
Subsidiaries (including as a result of a merger or consolidation); provided
that, with respect to each purchase or other acquisition made pursuant to this
Section 7.02(h) (each, a "PERMITTED ACQUISITION"):

            (i) the Company and any such newly created or acquired Subsidiary
      shall, or will within the times specified therein, have complied with the
      requirements of Section 6.12;

            (ii) any Indebtedness incurred in connection with such acquisition
      by the Company or any Restricted Subsidiary shall be permitted by Section
      7.03;

            (iii) (A) immediately before and immediately after giving Pro Forma
      Effect to any such purchase or other acquisition, no Event of Default
      shall have occurred and be continuing and (B) immediately after giving
      effect to such purchase or other acquisition, the Borrowers shall be in
      Pro Forma Compliance with all of the covenants set forth in Section 7.10,
      in each case such compliance to be determined on the basis of the
      financial information most recently delivered to the Administrative Agent
      and the Lenders (either pursuant to Section 6.01(a) or (b) or in any
      subsequent delivery of financial information by the Company to the
      Administrative Agent prior to such purchase or other acquisition) as
      though such purchase or other acquisition had been consummated as of the
      first day of the fiscal period covered thereby and, with respect to each
      such purchase or other acquisition having total consideration in excess of
      $100,000,000, evidenced by a certificate from the chief financial officer
      (or other equivalent officer) of the Company demonstrating such compliance
      calculation in reasonable detail;

                                       93

<PAGE>

            (iv) if the total consideration of such Permitted Acquisition
      exceeds $100,000,000, the Company shall have delivered to the
      Administrative Agent, on behalf of the Lenders, no later than five
      Business Days after the date on which any such purchase or other
      acquisition is consummated, a certificate of a Responsible Officer, in
      form and substance reasonably satisfactory to the Administrative Agent,
      certifying that all of the requirements set forth in this Section 7.02(h)
      have been satisfied or will be satisfied on or prior to the consummation
      of such purchase or other acquisition; and

            (v) such purchase or other acquisition was approved by the board of
      the directors (or other applicable governing body) of the Person being
      acquired;

      (i) Investments (including debt obligations and Equity Interests) received
in connection with the bankruptcy or reorganization of any Person and in
settlement of obligations of, or other disputes with, any Person arising in the
ordinary course of business and upon foreclosure with respect to any secured
Investment or other transfer of title with respect to any secured Investment;

      (j) Investments and transfers of funds among the Consolidated Companies
that are made in accordance with the Cash Management Practices;

      (k) advances of payroll payments to employees in the ordinary course of
business;

      (l) Guarantees by a Restricted Company of leases (other than Capital Lease
Obligations) entered into in the ordinary course of business;

      (m) Investments in the ordinary course consisting of endorsements for
collection or deposit;

      (n) Investments by Restricted Companies in Unrestricted Subsidiaries after
the Closing Date (it being understood and agreed that the book value of the
assets of an Unrestricted Subsidiary at the time of its designation as such
pursuant to Section 6.14 shall be deemed to be an Investment made in such
Unrestricted Subsidiary in an amount equal to such book value, but if such
Unrestricted Subsidiary is not wholly-owned by the Restricted Companies, only an
amount proportional to such Restricted Companies' ownership therein shall be
included in this calculation) in an aggregate amount for all such Investments
(less an amount equal to the book value of all Unrestricted Subsidiaries that,
after the Closing Date, are redesignated by the Company to be Restricted
Subsidiaries, calculated as of the date of such redesignation) not to exceed, at
the time such Investment is made and after giving effect to such Investment, the
sum of (i) an amount equal to 5% of the Total Consolidated Assets as of such
time (net of any Investment made pursuant to Section 7.02(c)(iv)(B)), plus (ii)
the aggregate amount of any cash repayment of or return on such Investments
theretofore received by Restricted Companies after the Closing Date;

      (o) Investments consisting of Swap Contracts entered into in the ordinary
course of business and not for speculative purposes;

                                       94
<PAGE>

      (p) Investments of funds held by the Exchange Companies for the benefit of
their customers in connection with their like-kind-exchange operations;

      (q) any Investment in a Securitization Vehicle or any Investment by a
Securitization Vehicle in any other Person in connection with a Securitization
Financing permitted by Section 7.03(v), including Investments of funds held in
accounts permitted or required by the arrangements governing the Securitization
Financing or any related Indebtedness; provided that any Investment in a
Securitization Vehicle is in the form of a purchase money note, contribution of
additional Securitization Assets or equity investments; and

      (r) so long as immediately after giving effect to any such Investment, no
Event of Default has occurred and is continuing, other Investments in an
aggregate amount for all such Investments (calculated using the actual amount of
such Investments as funded by the Restricted Companies) not to exceed at any
time the sum of (i) $250,000,000 and (ii) the aggregate amount of any cash
repayment of or return on such Investments theretofore received by the
Restricted Companies.

      Section 7.03. Indebtedness. Create, incur, assume or suffer to exist any
Indebtedness, except:

      (a) Permitted Subordinated Indebtedness;

      (b) Indebtedness of the Loan Parties under the Loan Documents;

      (c) Indebtedness outstanding on the Closing Date and listed on Schedule
7.03 and any Permitted Refinancing thereof;

      (d) Guarantees by a Restricted Company in respect of Indebtedness of
another Restricted Company otherwise permitted hereunder; provided that (x) no
Guarantee by any Restricted Subsidiary of any Permitted Subordinated
Indebtedness (or any Permitted Refinancing thereof) shall be permitted unless
such Restricted Subsidiary shall have also provided a Guarantee of the
Obligations substantially on the terms set forth in the Subsidiary Guarantee in
accordance with Section 6.12 and (y) if the Indebtedness being Guaranteed is
subordinated to the Obligations, such Guarantee shall be subordinated to the
Guarantee of the Obligations on terms at least as favorable to the Lenders as
those contained in the subordination of such Indebtedness;

      (e) Indebtedness of a Restricted Company that constitutes an Investment
permitted by Section 7.02;

      (f) (i) Indebtedness incurred in the ordinary course of business by the
Exchange Companies in connection with "1031 exchange" transactions under Section
1031 of the Code (or regulations promulgated thereunder, including Revenue
Procedure 2000-37) that is limited in recourse to the properties (real or
personal) which are the subject of such "1031 exchange" transactions and (ii)
Indebtedness incurred in the ordinary course of business by the Leasing
Companies in connection with their leasing business that is limited in recourse
to the assets being financed by such Indebtedness (collectively, the "SPECIFIED
NON-RECOURSE INDEBTEDNESS");

                                       95
<PAGE>

      (g) Indebtedness of Foreign Subsidiaries of the Company;

      (h) Indebtedness of a Restricted Company assumed in connection with any
Permitted Acquisition and not incurred in contemplation thereof, and any
Permitted Refinancing thereof;

      (i) Indebtedness incurred by any Restricted Company representing deferred
compensation to employees of a Restricted Company incurred in the ordinary
course of business;

      (j) Indebtedness consisting of promissory notes issued by any Restricted
Company to future, present or former directors, officers, members of management,
employees or consultants of the Company or any of its Subsidiaries or their
respective estates, heirs, family members, spouses or former spouses to finance
the purchase or redemption of Equity Interests of the Company permitted by
Section 7.06;

      (k) Indebtedness incurred by a Restricted Company in a Permitted
Acquisition or Disposition under agreements providing for indemnification, the
adjustment of the purchase price or similar adjustments;

      (l) Indebtedness consisting of obligations of any Restricted Company under
deferred compensation or other similar arrangements incurred by such Person in
connection with Permitted Acquisitions;

      (m) Indebtedness (including intercompany Indebtedness among the
Consolidated Companies) in respect of the Cash Management Practices;

      (n) obligations of the Consolidated Companies with respect to liabilities
arising from the Vault Cash Operations;

      (o) Indebtedness consisting of (i) the financing of insurance premiums or
(ii) take-or-pay obligations of a Restricted Company contained in supply
arrangements, in each case, in the ordinary course of business;

      (p) Indebtedness incurred by a Restricted Company constituting
reimbursement obligations with respect to letters of credit issued in the
ordinary course of business in respect of workers compensation claims, health,
disability or other employee benefits or property, casualty or liability
insurance or self-insurance or other Indebtedness with respect to such similar
reimbursement-type obligations; provided that upon the drawing of such letters
of credit or the incurrence of such Indebtedness, such obligations are
reimbursed within 30 days following such drawing or incurrence;

      (q) obligations in respect of bid, performance, stay, customs, appeal and
surety bonds and performance and completion guarantees provided by a Restricted
Company or obligations in respect of letters of credit related thereto, in each
case in the ordinary course of business or consistent with past practice;

      (r) Guarantees by the Company of Indebtedness permitted under this Section
7.03;

                                       96
<PAGE>

      (s) Indebtedness in respect of Swap Contracts entered into in the ordinary
course of business and not for speculative purposes;

      (t) Indebtedness in respect of any letter of credit or bankers' acceptance
supporting trade payables, warehouse receipts or similar facilities entered into
in the ordinary course of business;

      (u) Indebtedness incurred in the ordinary course of business in connection
with relocation service transactions and secured by the properties which are the
subject of such transactions;

      (v) Indebtedness incurred in connection with a receivables securitization
transaction involving the Restricted Companies and a Securitization Vehicle (a
"SECURITIZATION FINANCING"); provided that (i) such Indebtedness when incurred
shall not exceed 100% of the cost or fair market value, whichever is lower, of
the property being acquired on the date of acquisition, (ii) such Indebtedness
is created and any Lien attaches to such property concurrently with or within
forty-five (45) days of the acquisition thereof, and (iii) such Lien does not at
any time encumber any property other than the property financed by such
Indebtedness;

      (w) Indebtedness (i) of the type described in clause (e) of the definition
thereof subject to Liens permitted under Section 7.01 or (ii) secured by Liens
permitted under Sections 7.01(e)(ii), 7.01(e)(iii), 7.01(f), or 7.01(r);

      (x) other Indebtedness of Restricted Companies in an aggregate principal
amount not to exceed the greater of (i) 10% of Total Consolidated Assets and
(ii) $300,000,000 at any time outstanding;

      (y) all premiums (if any), interest (including post-petition interest),
fees, expenses, charges and additional or contingent interest on obligations
described in clauses (a) through (x) above;

provided that at the time of incurrence or assumption of any Specified Debt
described below, after giving effect to such Specified Debt, the aggregate
principal amount of all Specified Debt shall not exceed the greater of
$500,000,000 and 15% of Consolidated Shareholders' Equity. For purposes hereof,
"SPECIFIED DEBT" means, without duplication, (A) any Indebtedness of a Loan
Party that is secured by Liens permitted by clause (b), (n), (p) or (w) of
Section 7.01 and (B) any Indebtedness of a Restricted Subsidiary that is not a
Loan Party, in each case other than (1) Indebtedness permitted by clause (a),
(b), (d), (e), (f), (i) through (v), (w)(ii) or (y) of this Section 7.03 (the
"EXCLUDED DEBT") and (2) any Guarantee of Excluded Debt permitted by this
Section 7.03.

      Section 7.04. [Intentionally Omitted].

      Section 7.05. Dispositions. Make any Disposition of any of its property
to Persons that are not Restricted Companies except:

                                       97
<PAGE>

      (a) Dispositions of obsolete, used, surplus or worn out property, whether
now owned or hereafter acquired, in the ordinary course of business and
Dispositions of property no longer used or useful in the conduct of the business
of the Restricted Companies;

      (b) Dispositions of inventory in the ordinary course of business;

      (c) Dispositions of property to the extent that (i) such property is
exchanged for credit against the purchase price of similar replacement property
or (ii) the proceeds of such Disposition are promptly applied to the purchase
price of such replacement property;

      (d) Dispositions pursuant to and in accordance with the Cash Management
Practices and in connection with the Vault Cash Operations;

      (e) Dispositions permitted by Sections 7.02 and 7.06 and Liens permitted
by Section 7.01;

      (f) Dispositions by any Restricted Company of property pursuant to
sale-leaseback transactions; provided that (i) the fair market value of all
property so Disposed of shall not exceed $50,00,000 from and after the Closing
Date and (ii) the purchase price for such property shall be paid to such
Restricted Company for not less than 75% cash consideration;

      (g) Dispositions of cash and Cash Equivalents;

      (h) Dispositions of accounts receivable in connection with the collection
or compromise thereof;

      (i) leases, subleases, licenses or sublicenses of property in the ordinary
course of business and which do not materially interfere with the business of
the Restricted Companies;

      (j) transfers of property subject to Casualty Events upon receipt of the
Net Cash Proceeds of such Casualty Event;

      (k) Dispositions in the ordinary course of business consisting of the
abandonment of intellectual property rights which, in the reasonable good faith
determination of the Company, are not material to the conduct of the business of
the Restricted Companies;

      (l) Dispositions of Investments in Joint Ventures to the extent required
by, or made pursuant to buy/sell arrangements between the joint venture parties
set forth in, joint venture arrangements and similar binding arrangements (i) in
substantially the form as such arrangements are in effect on the Closing Date or
(ii) to the extent that the Net Cash Proceeds of such Disposition are either
reinvested or applied to prepay the Term Loans pursuant to Section 2.06(b);

      (m) Dispositions of property to an Unrestricted Subsidiary; provided that
to the extent constituting an Investment, such Investment must be an Investment
permitted by Section 7.02.

                                       98
<PAGE>

      (n) Dispositions of real property and related assets in the ordinary
course of business in connection with relocation activities for directors,
officers, members of management, employees or consultants of the Restricted
Companies;

      (o) Dispositions of tangible property in the ordinary course of business
as part of a like-kind exchange under Section 1031 of the Code;

      (p) voluntary terminations of Swap Contracts;

      (q) Dispositions of Unrestricted Subsidiaries;

      (r) Dispositions of Securitization Assets (or a fractional undivided
interest therein) in a Securitization Financing permitted under Section 7.03(v);
and

      (s) Dispositions of property not otherwise permitted under this Section
7.05 by a Restricted Company to Persons that are not Affiliates of the Loan
Parties; provided that (i) such Disposition is made in good faith on an arms'
length basis and (iii) the Net Cash Proceeds of such Disposition are either
reinvested or applied to prepay the Term Loans pursuant to Section 2.06(b).

      Section 7.06. Restricted Payments. Declare or make, directly or
indirectly, any Restricted Payment, except:

      (a) each Restricted Subsidiary may make Restricted Payments to any other
Restricted Company (and, in the case of a Restricted Payment by a non-wholly
owned Restricted Subsidiary, to (i) any other Restricted Company and (ii) each
other owner of Equity Interests of such Restricted Subsidiary based on their
relative ownership interests);

      (b) any Restricted Company may declare and make dividend payments or other
distributions payable solely in the Equity Interests (other than Disqualified
Equity Interests) of such Person;

      (c) so long as no Event of Default shall have occurred and be continuing
or would result therefrom, the Company may make Restricted Payments;

      (d) to the extent constituting Restricted Payments, the Company and its
Restricted Subsidiaries may enter into transactions expressly permitted by
Section 7.05 or 7.08;

      (e) repurchases of Equity Interests deemed to occur upon exercise of stock
options or warrants if such Equity Interests represent a portion of the exercise
price of such options or warrants; and

      (f) the Company may make cash payments in lieu of issuing fractional
shares in connection with the exercise of warrants, options or other securities
convertible into or exchangeable for Equity Interests of the Company and its
Restricted Companies.

      Section 7.07. [Intentionally Omitted].

                                       99
<PAGE>

      Section 7.08. Transactions with Affiliates. Enter into any transaction of
any kind with any Affiliate of the Company, whether or not in the ordinary
course of business, other than (a) transactions among the Restricted Companies,
(b) on fair and reasonable terms substantially as favorable to a Restricted
Company as would be obtainable by such Restricted Company at the time in a
comparable arm's-length transaction with a Person other than an Affiliate, (c)
the payment of fees and expenses in connection with the consummation of the
Transaction, (d) so long as no Event of Default shall have occurred and be
continuing under Section 8.01(f), the payment of fees under the Management
Agreements as such fee provisions are set forth in the Management Agreements as
in effect on the Closing Date, (e) loans and other transactions by the Company
and its Restricted Subsidiaries to the extent permitted under this Article 7,
(f) customary fees payable to any directors of the Company and reimbursement of
reasonable out of pocket costs of the directors of the Company, (g) employment
and severance arrangements between any Restricted Company and their officers and
employees in the ordinary course of business, (h) payments by any Restricted
Company pursuant to the tax sharing agreements among the Company and its
Subsidiaries on customary terms, (i) the payment of customary fees and
indemnities to directors, officers and employees of the Company and its
Subsidiaries in the ordinary course of business, (j) transactions pursuant to
agreements in existence on the Closing Date and set forth on Schedule 7.08 or
any amendment thereto to the extent such an amendment is not adverse to the
Lenders in any material respect, (k) Restricted Payments permitted under Section
7.06, (l) any transaction with a Securitization Vehicle as part of a
Securitization Financing permitted under Section 7.03(v), and (m) transactions
engaged in by Restricted Companies with Unrestricted Subsidiaries in good faith
to effect (i) the Cash Management Practices and Vault Cash Operations, (ii) the
operations, governance, administration and corporate overhead of the
Consolidated Companies and (iii) the tax management of the Consolidated
Companies. For the purposes of this Section 7.08, (x) each Unrestricted
Subsidiary shall be deemed to be an Affiliate of each Restricted Company and (y)
from and after the consummation of the Reorganization, the entities conducting
the Separated Operations shall no longer be deemed to be Affiliates of the
Restricted Companies.

      Section 7.09. Burdensome Agreements. Enter into or permit to exist any
Contractual Obligation (other than this Agreement or any other Loan Document)
that limits the ability of any Restricted Subsidiary to make Restricted Payments
to any Loan Party or to otherwise transfer property to or invest in any Loan
Party; provided that the foregoing shall not apply to Contractual Obligations
which (i) (x) exist on the date hereof and (to the extent not otherwise
permitted by this Section 7.09) are listed on Schedule 7.09 hereto and (y) to
the extent Contractual Obligations permitted by clause (x) are set forth in an
agreement evidencing Indebtedness, are set forth in any agreement evidencing any
permitted renewal, extension or refinancing of such Indebtedness so long as such
renewal, extension or refinancing does not expand the scope of such restrictions
that are contained in such Contractual Obligation, (ii) are binding on a
Restricted Subsidiary at the time such Restricted Subsidiary first becomes a
Restricted Subsidiary, so long as such Contractual Obligations were not entered
into solely in contemplation of such Person becoming a Restricted Subsidiary,
(iii) arise in connection with any Disposition permitted by Section 7.05, (iv)
are customary provisions in joint venture agreements and other similar
agreements applicable to Joint Ventures permitted under Section 7.02 and
applicable solely to such Joint Venture entered into in the ordinary course of
business, (v) are negative pledges in favor of any holder of Indebtedness
permitted under Section 7.03 but

                                      100
<PAGE>

solely to the extent any negative pledge relates to the property financed by or
the subject of such Indebtedness, (vi) are customary restrictions on leases,
subleases, licenses or asset sale agreements otherwise permitted hereby so long
as such restrictions may relate to the assets subject thereto, (vii) are
customary provisions restricting subletting or assignment of any lease governing
a leasehold interest, or (viii) are customary provisions restricting assignment
or transfer of any agreement entered into in the ordinary course of business.

      Section 7.10. Financial Covenants. (a) Maximum Leverage Ratio. Permit the
Leverage Ratio as of the end of any fiscal quarter of the Company set forth
below to be greater than the ratio set forth below opposite the applicable
period ending date:

<TABLE>
<CAPTION>
          PERIOD ENDING DATE                             LEVERAGE RATIO
-------------------------------------------              ---------------
<S>                                                      <C>
December 31, 2006 through December 31, 2008                  3.50:1
March 31, 2009 through December 31, 2009                     3.25:1
March 31, 2010 and thereafter                                3.00:1
</TABLE>

      (b) Minimum Interest Coverage Ratio. Permit the Interest Coverage Ratio as
of the end of any fiscal quarter of the Company set forth below to be less than
the ratio set forth below opposite the applicable period ending date:

<TABLE>
<CAPTION>
         PERIOD ENDING DATE                                    INTEREST COVERAGE RATIO
-------------------------------------------                    -----------------------
<S>                                                            <C>
December 31, 2006 through December 31, 2008                           3.50:1
March 31, 2009 and thereafter                                         4.00:1
</TABLE>

      Section 7.11. Prepayments, Etc. of Indebtedness. Prepay, redeem,
purchase, defease or otherwise satisfy prior to the scheduled maturity thereof
in any manner (it being understood that payments of regularly scheduled interest
shall be permitted) any Permitted Subordinated Indebtedness or make any payment
in violation of any subordination terms of any Permitted Subordinated
Indebtedness, except (i) the refinancing thereof with the Net Cash Proceeds of
any Permitted Subordinated Indebtedness or with the proceeds of any issuance of
Equity Interests (other than Disqualified Equity Interests) of any Consolidated
Company, (ii) the conversion of any Permitted Subordinated Indebtedness to
Equity Interests (other than Disqualified Equity Interests) and (iii) so long as
no Event of Default has occurred and is continuing or would result therefrom,
prepayments, redemptions or repurchases of Permitted Subordinated Indebtedness
if after giving effect to such prepayment, redemption or repurchase, the
Leverage Ratio, calculated on a Pro Forma Basis, shall not be greater than
3.25:1 (and, in the case of any such prepayment, redemption or repurchase
pursuant to this clause (iii) in respect of aggregate principal amounts
exceeding $25,000,000 in any fiscal year, evidenced by a certificate from a
Responsible Officer of the Company demonstrating such compliance calculation in
reasonable detail).

                                   ARTICLE 8
                         EVENTS OF DEFAULT AND REMEDIES

      Section 8.01. Events of Default. Any of the following shall constitute an
"EVENT OF DEFAULT":

                                      101
<PAGE>

      (a) Non-Payment. Any Restricted Company fails to pay (i) when due, any
amount of principal of any Loan, or (ii) within five Business Days after the
same becomes due, any interest on any Loan or any other amount payable hereunder
or with respect to any other Loan Document; or

      (b) Specific Covenants. Any Restricted Company fails to perform or observe
any term, covenant or agreement contained in any of Section 6.03(a), 6.05(a)
(solely with respect to the Borrowers) or Article 7; or

      (c) Other Defaults. Any Restricted Company fails to perform or observe any
other term, covenant or agreement (not specified in Section 8.01(a) or (b)
above) contained in any Loan Document on its part to be performed or observed
and such failure continues for 30 days after notice thereof by the
Administrative Agent to the Company; or

      (d) Representations and Warranties. Any representation, warranty,
certification or statement of fact made or deemed made by or on behalf of any
Restricted Company herein, in any other Loan Document, or in any document
required to be delivered in connection herewith or therewith shall be incorrect
or misleading in any material and adverse respect when made or deemed made; or

      (e) Cross-Default. Any Material Company (i) fails to make any payment
after the applicable grace period with respect thereto, if any, (whether by
scheduled maturity, required prepayment, acceleration, demand, or otherwise) in
respect of any Indebtedness (other than Indebtedness hereunder and Indebtedness
owed by one Restricted Company to another Restricted Company) having an
aggregate outstanding principal amount of not less than the Threshold Amount or
(ii) fails to observe or perform any other agreement or condition relating to
any such Indebtedness, or any other event occurs, the effect of which default or
other event is to cause, or to permit the holder or holders of such Indebtedness
(or a trustee or agent on behalf of such holder or holders or beneficiary or
beneficiaries) to cause, with the giving of notice if required, (x) such
Indebtedness to become due or to be repurchased, prepaid, defeased or redeemed
(automatically or otherwise), or (y) a mandatory offer to repurchase, prepay,
defease or redeem such Indebtedness to be made, prior to its stated maturity;
provided that this clause (e)(ii) shall not apply to secured Indebtedness that
becomes due as a result of the voluntary sale or transfer of the property or
assets securing such Indebtedness, if such sale or transfer is permitted
hereunder and under the documents providing for such Indebtedness; or

      (f) Insolvency Proceedings, Etc. Any Material Company institutes or
consents to the institution of any proceeding under any Debtor Relief Law, or
makes an assignment for the benefit of creditors; or applies for or consents to
the appointment of any receiver, trustee, custodian, conservator, liquidator,
rehabilitator, administrator, administrative receiver or similar officer for it
or for all or any material part of its property; or any receiver, trustee,
custodian, conservator, liquidator, rehabilitator, administrator, administrative
receiver or similar officer is appointed without the application or consent of
such Person and the appointment continues undischarged or unstayed for 60
calendar days; or any proceeding under any Debtor Relief Law relating to any
such Person or to all or any material part of its property is instituted without
the consent of such Person and continues undismissed or unstayed for 60 calendar
days, or an order for relief is entered in any such proceeding; or

                                      102
<PAGE>

      (g) Inability to Pay Debts; Attachment. (i) Any Material Company becomes
unable or admits in writing its inability or fails generally to pay its debts as
they become due, or (ii) any writ or warrant of attachment or execution or
similar process is issued or levied against all or any material part of the
property of any Material Company in an amount exceeding the Threshold Amount and
is not paid, released, vacated or fully bonded within 60 days after its issue or
levy; or

      (h) Judgments. There is entered against any Material Company a final
judgment or order for the payment of money in an aggregate amount exceeding the
Threshold Amount (to the extent not covered by independent third-party insurance
as to which the insurer has been notified of such judgment or order and does not
deny coverage) and there is a period of 60 consecutive days during which such
judgment has not been paid and during which a stay of enforcement of such
judgment, by reason of a pending appeal or otherwise, is not in effect; or

      (i) ERISA. (i) An ERISA Event occurs with respect to a Pension Plan or
Multiemployer Plan which has resulted or could reasonably be expected to result
in liability of the Company under Title IV of ERISA to the Pension Plan,
Multiemployer Plan or the PBGC in an aggregate amount which would reasonably be
expected to result in a Material Adverse Effect, or (ii) the Company or any
ERISA Affiliate fails to pay when due, after the expiration of any applicable
grace period, any installment payment with respect to its withdrawal liability
under Section 4201 of ERISA under a Multiemployer Plan in an aggregate amount
which would reasonably be expected to result in a Material Adverse Effect; or

      (j) Change of Control. There occurs any Change of Control.

      Section 8.02. Remedies Upon Event of Default. If any Event of Default
occurs and is continuing, the Administrative Agent shall, at the request of, or
may, with the consent of, the Required Lenders, take any or all of the following
actions:

      (a) declare the Commitment of each Lender to make Loans and any obligation
of the L/C Issuer to make L/C Credit Extensions to be terminated, whereupon such
Commitments and obligation shall be terminated;

      (b) declare the unpaid principal amount of all outstanding Loans, all
interest accrued and unpaid thereon, and all other amounts owing or payable
hereunder or under any other Loan Document to be immediately due and payable,
without presentment, demand, protest or other notice of any kind, all of which
are hereby expressly waived by each Borrower;

      (c) require that each Borrower Cash Collateralize the L/C Obligations (in
an amount equal to the then Outstanding Amount thereof); and

      (d) exercise on behalf of itself and the Lenders all rights and remedies
available to it and the Lenders under the Loan Documents or applicable Law;

provided that upon the occurrence of an actual or deemed entry of an order for
relief with respect to any Borrower under the Bankruptcy Code of the United
States (or, in the case of any Designated Borrower that is a Foreign Subsidiary,
under the comparable laws of the applicable

                                      103
<PAGE>

jurisdiction), the obligation of each Lender to make Loans and any obligation of
the L/C Issuer to make L/C Credit Extensions shall automatically terminate, the
unpaid principal amount of all outstanding Loans and all interest and other
amounts as aforesaid shall automatically become due and payable, and the
obligation of each Borrower to Cash Collateralize the L/C Obligations as
aforesaid shall automatically become effective, in each case without further act
of the Administrative Agent or any Lender.

      Section 8.03. Application of Funds. After the exercise of remedies
provided for in Section 8.02 (or after the Loans have automatically become
immediately due and payable and the L/C Obligations have automatically been
required to be Cash Collateralized as set forth in the proviso to Section 8.02),
any amounts received on account of the Obligations shall be applied by the
Administrative Agent in the following order:

            First, to payment of that portion of the Obligations constituting
      fees, indemnities, expenses and other amounts (including Attorney Costs
      payable under Section 11.04 and amounts payable under Article 3 but
      excluding principal of, and interest on, any Loan) payable to the
      Administrative Agent in its capacity as such;

            Second, to payment of that portion of the Obligations constituting
      fees, indemnities and other amounts (other than principal and interest)
      payable to the Lenders (including Attorney Costs payable under Section
      11.05 and amounts payable under Article 3), ratably among them in
      proportion to the amounts described in this clause Second payable to them;

            Third, to payment of that portion of the Obligations constituting
      accrued and unpaid interest on the Loans and L/C Borrowings, ratably among
      the Lenders in proportion to the respective amounts described in this
      clause Third payable to them;

            Fourth, to payment of that portion of the Obligations constituting
      unpaid principal of the Loans and L/C Borrowings, ratably among the
      Lenders in proportion to the respective amounts described in this clause
      Fourth held by them;

            Fifth, to the Administrative Agent for the account of the L/C
      Issuer, to Cash Collateralize that portion of L/C Obligations comprised of
      the aggregate undrawn amount of Letters of Credit;

            Sixth, to the payment of all other Obligations of the Loan Parties
      that are due and payable to the Administrative Agent and the other Lender
      Parties on such date, ratably based upon the respective aggregate amounts
      of all such Obligations owing to the Administrative Agent and the other
      Lender Parties on such date; and

            Last, the balance, if any, after all of the Obligations have been
      paid in full, to the Company or as otherwise required by Law.

Subject to Section 2.04(c), amounts used to Cash Collateralize the aggregate
undrawn amount of Letters of Credit pursuant to clause Fifth above shall be
applied to satisfy drawings under such Letters of Credit as they occur. If any
amount remains on deposit as Cash Collateral after all

                                      104
<PAGE>

Letters of Credit have either been fully drawn or expired, such remaining amount
shall be applied to the other Obligations, if any, in the order set forth above
and, if no Obligations remain outstanding, delivered to the Company.

                                   ARTICLE 9
                      ADMINISTRATIVE AGENT AND OTHER AGENTS

      Section 9.01. Appointment and Authorization of Agents. (a) Each Lender
hereby irrevocably appoints, designates and authorizes the Administrative Agent
to take such action on its behalf under the provisions of this Agreement and
each other Loan Document and to exercise such powers and perform such duties as
are expressly delegated to it by the terms of this Agreement or any other Loan
Document, together with such powers as are reasonably incidental thereto.
Notwithstanding any provision to the contrary contained elsewhere herein or in
any other Loan Document, the Administrative Agent shall have no duties or
responsibilities, except those expressly set forth herein or therein, nor shall
the Administrative Agent have or be deemed to have any fiduciary relationship
with any Lender or participant, and no implied covenants, functions,
responsibilities, duties, obligations or liabilities shall be read into this
Agreement or any other Loan Document or otherwise exist against the
Administrative Agent. Without limiting the generality of the foregoing sentence,
the use of the term "agent" herein and in the other Loan Documents with
reference to any Agent is not intended to connote any fiduciary or other implied
(or express) obligations arising under agency doctrine of any applicable Law.
Instead, such term is used merely as a matter of market custom, and is intended
to create or reflect only an administrative relationship between independent
contracting parties.

      (b) Each L/C Issuer shall act on behalf of the Lenders with respect to any
Letters of Credit issued by it and the documents associated therewith, and each
L/C Issuer shall have all of the benefits and immunities (i) provided to the
Agents in this Article 9 with respect to any acts taken or omissions suffered by
each L/C Issuer in connection with Letters of Credit issued by it or proposed to
be issued by it and the applications and agreements for letters of credit
pertaining to such Letters of Credit as fully as if the term "Agent" as used in
this Article 9 and in the definition of "Agent-Related Person" included such L/C
Issuer with respect to such acts or omissions, and (ii) as additionally provided
herein with respect to such L/C Issuer.

      Section 9.02. Delegation of Duties. The Administrative Agent may execute
any of its duties under this Agreement or any other Loan Document by or through
agents, employees or attorneys-in-fact, such sub-agents as shall be deemed
necessary by the Administrative Agent and shall be entitled to advice of counsel
and other consultants or experts concerning all matters pertaining to such
duties. The Administrative Agent shall not be responsible for the negligence or
misconduct of any agent or sub-agent or attorney-in-fact that it selects in the
absence of gross negligence or willful misconduct.

      Section 9.03. Liability of Agents. No Agent-Related Person shall (a) be
liable for any action taken or omitted to be taken by any of them under or in
connection with this Agreement or any other Loan Document or the transactions
contemplated hereby (except for its own gross negligence or willful misconduct
in connection with its duties expressly set forth herein), or (b) be responsible
in any manner to any Lender or participant for any recital, statement,

                                      105
<PAGE>

representation or warranty made by any Loan Party or any of their Subsidiaries
or any officer thereof, contained herein or in any other Loan Document, or in
any certificate, report, statement or other document referred to or provided for
in, or received by the Administrative Agent under or in connection with, this
Agreement or any other Loan Document, or the validity, effectiveness,
genuineness, enforceability or sufficiency of this Agreement or any other Loan
Document, or for any failure of any Restricted Company or any other party to any
Loan Document to perform its obligations hereunder or thereunder. No
Agent-Related Person shall be under any obligation to any Lender or participant
to ascertain or to inquire as to the observance or performance of any of the
agreements contained in, or conditions of, this Agreement or any other Loan
Document, or to inspect the properties, books or records of any Loan Party or
any of their Subsidiaries or any Affiliate thereof.

      Section 9.04. Reliance by Agents. (a) Each Agent shall be entitled to
rely, and shall be fully protected in relying, upon any writing, communication,
signature, resolution, representation, notice, consent, certificate, affidavit,
letter, telegram, facsimile, telex or telephone message, electronic mail
message, statement or other document or conversation believed by it to be
genuine and correct and to have been signed, sent or made by the proper Person
or Persons, and upon advice and statements of legal counsel (including counsel
to any Loan Party or any of their Subsidiaries), independent accountants and
other experts selected by such Agent. Each Agent shall be fully justified in
failing or refusing to take any action under any Loan Document unless it shall
first receive such advice or concurrence of the Required Lenders as it deems
appropriate and, if it so requests, it shall first be indemnified to its
satisfaction by the Lenders against any and all liability and expense which may
be incurred by it by reason of taking or continuing to take any such action.
Each Agent shall in all cases be fully protected in acting, or in refraining
from acting, under this Agreement or any other Loan Document in accordance with
a request or consent of the Required Lenders (or such greater number of Lenders
as may be expressly required hereby in any instance) and such request and any
action taken or failure to act pursuant thereto shall be binding upon all the
Lenders.

      (b) For purposes of determining compliance with the conditions specified
in Section 4.01, each Lender that has signed this Agreement shall be deemed to
have consented to, approved or accepted or to be satisfied with, each document
or other matter required thereunder to be consented to or approved by or
acceptable or satisfactory to a Lender unless the Administrative Agent shall
have received notice from such Lender prior to the proposed Closing Date
specifying its objection thereto.

      Section 9.05. Notice of Default. The Administrative Agent shall not be
deemed to have knowledge or notice of the occurrence of any Default, except with
respect to defaults in the payment of principal, interest and fees required to
be paid to the Administrative Agent for the account of the Lenders, unless the
Administrative Agent shall have received written notice from a Lender or a Loan
Party referring to this Agreement, describing such Default and stating that such
notice is a "notice of default." The Administrative Agent will notify the
Lenders of its receipt of any such notice. The Administrative Agent shall take
such action with respect to any Event of Default as may be directed by the
Required Lenders in accordance with Article 8; provided that unless and until
the Administrative Agent has received any such direction, the Administrative
Agent may (but shall not be obligated to) take such action, or refrain from
taking

                                      106
<PAGE>

such action, with respect to such Event of Default as it shall deem advisable or
in the best interest of the Lenders.

      Section 9.06. Credit Decision; Disclosure of Information by Agents. Each
Lender acknowledges that no Agent-Related Person has made any representation or
warranty to it, and that no act by any Agent hereafter taken, including any
consent to and acceptance of any assignment or review of the affairs of any Loan
Party or any of their Subsidiaries thereof, shall be deemed to constitute any
representation or warranty by any Agent-Related Person to any Lender as to any
matter, including whether Agent-Related Persons have disclosed material
information in their possession. Each Lender represents to each Agent that it
has, independently and without reliance upon any Agent-Related Person and based
on such documents and information as it has deemed appropriate, made its own
appraisal of and investigation into the business, prospects, operations,
property, financial and other condition and creditworthiness of each Loan Party,
and all applicable bank or other regulatory Laws relating to the transactions
contemplated hereby, and made its own decision to enter into this Agreement and
to extend credit hereunder. Each Lender also represents that it will,
independently and without reliance upon any Agent-Related Person and based on
such documents and information as it shall deem appropriate at the time,
continue to make its own credit analysis, appraisals and decisions in taking or
not taking action under this Agreement and the other Loan Documents, and to make
such investigations as it deems necessary to inform itself as to the business,
prospects, operations, property, financial and other condition and
creditworthiness of each Loan Party or any of their Subsidiaries. Except for
notices, reports and other documents expressly required to be furnished to the
Lenders by any Agent herein, such Agent shall not have any duty or
responsibility to provide any Lender with any credit or other information
concerning the business, prospects, operations, property, financial and other
condition or creditworthiness of any Loan Party or any of their Subsidiaries
which may come into the possession of any Agent-Related Person.

      Section 9.07. Indemnification of Agents. Whether or not the transactions
contemplated hereby are consummated, the Lenders shall indemnify upon demand
each Agent-Related Person (to the extent not reimbursed by or on behalf of any
Loan Party and without limiting the obligation of any Loan Party to do so), pro
rata, and hold harmless each Agent-Related Person from and against any and all
Indemnified Liabilities incurred by it; provided that no Lender shall be liable
for the payment to any Agent-Related Person of any portion of such Indemnified
Liabilities resulting from such Agent-Related Person's own gross negligence or
willful misconduct; provided that no action taken in accordance with the
directions of the Required Lenders shall be deemed to constitute gross
negligence or willful misconduct for purposes of this Section 9.07; provided
further that to the extent an L/C Issuer is entitled to indemnification under
this Section 9.07 solely in connection with its role as an L/C Issuer, only the
Multicurrency Revolving Credit Lenders shall be required to indemnify such L/C
Issuer in accordance with this Section 9.07. In the case of any investigation,
litigation or proceeding giving rise to any Indemnified Liabilities, this
Section 9.07 applies whether any such investigation, litigation or proceeding is
brought by any Lender or any other Person. Without limitation of the foregoing,
each Lender shall reimburse the Administrative Agent upon demand for its ratable
share of any costs or out-of-pocket expenses (including Attorney Costs) incurred
by the Administrative Agent in connection with the preparation, execution,
delivery, administration, modification, amendment

                                      107
<PAGE>

or enforcement (whether through negotiations, legal proceedings or otherwise)
of, or legal advice in respect of rights or responsibilities under, this
Agreement, any other Loan Document, or any document contemplated by or referred
to herein, to the extent that the Administrative Agent is not reimbursed for
such expenses by or on behalf of the Borrowers. The undertaking in this Section
9.07 shall survive termination of the Aggregate Commitments, the payment of all
other Obligations and the resignation of the Administrative Agent.

      Section 9.08. Agents in their Individual Capacities. JPMCB and its
Affiliates may make loans to, issue letters of credit for the account of, accept
deposits from, acquire Equity Interests in and generally engage in any kind of
banking, trust, financial advisory, underwriting or other business with each
Loan Party or any of their Subsidiaries as though JPMCB were not the
Administrative Agent or the L/C Issuer hereunder and without notice to or
consent of the Lenders. The Lenders acknowledge that, pursuant to such
activities, JPMCB or its Affiliates may receive information regarding any Loan
Party or any of their Subsidiaries (including information that may be subject to
confidentiality obligations in favor of such Loan Party or any of their
Subsidiaries) and acknowledge that the Administrative Agent shall be under no
obligation to provide such information to them. With respect to its Loans, JPMCB
shall have the same rights and powers under this Agreement as any other Lender
and may exercise such rights and powers as though it were not the Administrative
Agent or the L/C Issuer, and the terms "Lender" and "Lenders" include JPMCB in
its individual capacity.

      Section 9.09. Successor Agents. The Administrative Agent may resign as
the Administrative Agent upon 30 days' notice to the Lenders and the Company. If
the Administrative Agent resigns under this Agreement, the Required Lenders
shall appoint from among the Lenders a successor agent for the Lenders, which
successor agent shall be consented to by the Company at all times other than
during the existence of an Event of Default under Section 8.01(f) (which consent
of the Company shall not be unreasonably withheld or delayed). If no successor
agent is appointed prior to the effective date of the resignation of the
Administrative Agent, the Administrative Agent may appoint, after consulting
with the Lenders and the Company, a successor agent from among the Lenders. Upon
the acceptance of its appointment as successor agent hereunder, the Person
acting as such successor agent shall succeed to all the rights, powers and
duties of the retiring Administrative Agent and the term "Administrative Agent,"
shall mean such successor administrative agent and/or supplemental
administrative agent, as the case may be, and the retiring Administrative
Agent's appointment, powers and duties as the Administrative Agent shall be
terminated. After the retiring Administrative Agent's resignation hereunder as
the Administrative Agent, the provisions of this Article 9 and Section 11.04 and
11.05 shall inure to its benefit as to any actions taken or omitted to be taken
by it while it was the Administrative Agent under this Agreement. If no
successor agent has accepted appointment as the Administrative Agent by the date
which is 30 days following the retiring Administrative Agent's notice of
resignation, the retiring Administrative Agent's resignation shall nevertheless
thereupon become effective and the Lenders shall perform all of the duties of
the Administrative Agent hereunder until such time, if any, as the Required
Lenders appoint a successor agent as provided for above. Upon the acceptance of
any appointment as the Administrative Agent hereunder by a successor, the
Administrative Agent shall thereupon succeed to and become vested with all the
rights, powers, discretion, privileges, and duties of the retiring
Administrative Agent, and the retiring Administrative Agent shall be

                                      108
<PAGE>

discharged from its duties and obligations under the Loan Documents. After the
retiring Administrative Agent's resignation hereunder as the Administrative
Agent, the provisions of this Article 9 shall continue in effect for its benefit
in respect of any actions taken or omitted to be taken by it while it was acting
as the Administrative Agent.

      Section 9.10. Administrative Agent May File Proofs of Claim. In case of
the pendency of any receivership, insolvency, liquidation, bankruptcy,
reorganization, arrangement, adjustment, composition or other judicial
proceeding relative to any Loan Party, the Administrative Agent (irrespective of
whether the principal of any Loan or L/C Obligation shall then be due and
payable as herein expressed or by declaration or otherwise and irrespective of
whether the Administrative Agent shall have made any demand on any Borrower)
shall be entitled and empowered, by intervention in such proceeding or
otherwise:

      (a) to file and prove a claim for the whole amount of the principal and
interest owing and unpaid in respect of the Loans, L/C Obligations and all other
Obligations that are owing and unpaid and to file such other documents as may be
necessary or advisable in order to have the claims of the Lenders and the
Administrative Agent (including any claim for the reasonable compensation,
expenses, disbursements and advances of the Lenders and the Administrative Agent
and their respective agents and counsel and all other amounts due the Lenders
and the Administrative Agent under Section 2.04(i) and (j), 2.10 and 11.04)
allowed in such judicial proceeding; and

      (b) to collect and receive any monies or other property payable or
deliverable on any such claims and to distribute the same;

and any custodian, receiver, assignee, trustee, liquidator, sequestrator or
other similar official in any such judicial proceeding is hereby authorized by
each Lender to make such payments to the Administrative Agent and, in the event
that the Administrative Agent shall consent to the making of such payments
directly to the Lenders, to pay to the Administrative Agent any amount due for
the reasonable compensation, expenses, disbursements and advances of the Agents
and their respective agents and counsel, and any other amounts due the
Administrative Agent under Section 2.10 and 11.04.

      Nothing contained herein shall be deemed to authorize the Administrative
Agent to authorize or consent to or accept or adopt on behalf of any Lender any
plan of reorganization, arrangement, adjustment or composition affecting the
Obligations or the rights of any Lender or to authorize the Administrative Agent
to vote in respect of the claim of any Lender in any such proceeding.

                                      109
<PAGE>

      Section 9.11. Guaranty Matters. The Lenders irrevocably authorize the
Administrative Agent to release any Guarantor from its obligations under any
Loan Document to which it is a party if such Person ceases to be a Restricted
Subsidiary as a result of a transaction or designation permitted hereunder;
provided that no such release shall occur if such Guarantor continues to be a
guarantor in respect of any Permitted Subordinated Indebtedness unless and until
such Guarantor is (or is being simultaneously) released from its guarantee with
respect to such Permitted Subordinated Indebtedness. Upon request by the
Administrative Agent at any time, the Required Lenders will confirm in writing
the Administrative Agent's authority to release any Guarantor from its
obligations under the Loan Documents pursuant to this Section 9.11. In each case
as specified in this Section 9.11, the Administrative Agent will, at the
Borrowers' expense, execute and deliver to the applicable Loan Party such
documents as such Loan Party may reasonably request to evidence the release of
such Guarantor from its obligations under the Loan Documents in accordance with
the terms of the Loan Documents and this Section 9.11.

      Section 9.12. Other Agents; Arrangers and Managers. None of the Lenders
or other Persons identified on the facing page and/or signature pages of this
Agreement as a "co-syndication agent," "documentation agent," "joint
book-running manager," "arranger," or "joint lead arranger" shall have any
right, power, obligation, liability, responsibility or duty under this Agreement
other than those applicable to all Lenders as such. Without limiting the
foregoing, none of the Lenders or other Persons so identified shall have or be
deemed to have any fiduciary relationship with any Lender. Each Lender
acknowledges that it has not relied, and will not rely, on any of the Lenders or
other Persons so identified in deciding to enter into this Agreement or in
taking or not taking action hereunder.

      Section 9.13. Appointment of Supplemental Administrative Agents. (a) It
is the purpose of this Agreement and the other Loan Documents that there shall
be no violation of any Law of any jurisdiction denying or restricting the right
of banking corporations or associations to transact business as agent or trustee
in such jurisdiction. It is recognized that in case of litigation under this
Agreement or any of the other Loan Documents, and in particular in case of the
enforcement of any of the Loan Documents, or in case the Administrative Agent
deems that by reason of any present or future Law of any jurisdiction it may not
exercise any of the rights, powers or remedies granted herein or in any of the
other Loan Documents or take any other action which may be desirable or
necessary in connection therewith, the Administrative Agent is hereby authorized
to appoint an additional individual or institution selected by the
Administrative Agent in its sole discretion as a separate trustee, co-trustee,
administrative agent, administrative sub-agent or administrative co-agent (any
such additional individual or institution being referred to herein individually
as a "SUPPLEMENTAL ADMINISTRATIVE AGENT" and collectively as "SUPPLEMENTAL
ADMINISTRATIVE AGENTS").

      (b) Should any instrument in writing from any Loan Party be required by
any Supplemental Administrative Agent so appointed by the Administrative Agent
for more fully and certainly vesting in and confirming to him or it such rights,
powers, privileges and duties, the Company, shall, or shall cause such Loan
Party to, execute, acknowledge and deliver any and all such instruments promptly
upon request by the Administrative Agent. In case any Supplemental
Administrative Agent, or a successor thereto, shall die, become incapable of
acting, resign or be removed, all the rights, powers, privileges and duties of
such Supplemental Administrative

                                      110
<PAGE>

Agent, to the extent permitted by Law, shall vest in and be exercised by the
Administrative Agent until the appointment of a new Supplemental Administrative
Agent.

                                   ARTICLE 10
                                    GUARANTY

      Section 10.01. Guaranty. Each Borrower (other than a Designated Borrower
that is a Foreign Subsidiary) hereby guarantees the punctual payment when due,
whether at scheduled maturity or by acceleration, demand or otherwise, of all
Obligations of each other Borrower, in each case now or hereafter existing
(including, without limitation, any extensions, modifications, substitutions,
amendments or renewals of any or all of the foregoing Obligations), whether
direct or indirect, absolute or contingent, and whether for principal, interest,
fees, indemnities, contract causes of action, costs, expenses or otherwise (each
Borrower in its capacity as guarantor under this Article 10, a "GUARANTOR
PARTY", and such Obligations, for any Guarantor Party, its "GUARANTEED
OBLIGATIONS"). Without limiting the generality of the foregoing, the liability
of each Guarantor Party shall extend to all amounts that constitute part of the
Guaranteed Obligations and would be owed by any other Loan Party to any Lender
Party under or in respect of the Loan Documents but for the fact that they are
unenforceable or not allowable due to the existence of a bankruptcy,
reorganization or similar proceeding involving such other Loan Party.

      Section 10.02. Contribution. Subject to Section 10.03, each Guarantor
Party hereby unconditionally agrees that in the event any payment shall be
required to be made to any Lender Party under this Article 10 or any Subsidiary
Guaranty, such Guarantor Party in its capacity as such will contribute, to the
maximum extent permitted by law, such amounts to each other Guarantor so as to
maximize the aggregate amount paid to the Lender Parties under or in respect of
the Loan Documents.

      Section 10.03. Guaranty Absolute. Each Guarantor Party guarantees that
its Guaranteed Obligations will be paid in accordance with the terms of the Loan
Documents, regardless of any law, regulation or order now or hereafter in effect
in any jurisdiction affecting any of such terms or the rights of any Lender
Party with respect thereto. The Obligations of each Guarantor Party under or in
respect of this Article 10 are independent of the Guaranteed Obligations or any
other Obligations of any other Loan Party under or in respect of the Loan
Documents, and a separate action or actions may be brought and prosecuted
against each Guarantor Party to enforce this Article 10, irrespective of whether
any action is brought against any Borrower or any other Loan Party or whether
any Borrower or any other Loan Party is joined in any such action or actions.
The liability of each Guarantor Party under this Article 10 shall be
irrevocable, absolute and unconditional, and each Guarantor Party hereby
irrevocably waives any defenses (other than payment in full of the Guaranteed
Obligations) it may now have or hereafter acquire in any way relating to, any or
all of the following:

      (a) any lack of validity or enforceability of any Loan Document or any
agreement or instrument relating thereto;

      (b) any change in the time, manner or place of payment of, or in any other
term of, all or any of its Guaranteed Obligations or any other Obligations of
any other Loan Party under or in

                                      111
<PAGE>

respect of the Loan Documents, or any other amendment or waiver of or any
consent to departure from any Loan Document, including, without limitation, any
increase in its Guaranteed Obligations resulting from the extension of
additional credit to any Loan Party or any of its Subsidiaries or otherwise;

      (c) any taking, release or amendment or waiver of, or consent to departure
from, any other guaranty, for all or any of its Guaranteed Obligations;

      (d) any change, restructuring or termination of the corporate structure or
existence of any Loan Party or any of its Subsidiaries;

      (e) any failure of any Lender Party to disclose to any Loan Party any
information relating to the business, condition (financial or otherwise),
operations, performance, properties or prospects of any other Loan Party now or
hereafter known to such Lender Party (each Guarantor Party waiving any duty on
the part of the Lender Parties to disclose such information);

      (f) the failure of any other Person to execute or deliver any other
guaranty or agreement or the release or reduction of liability of any other
guarantor or surety with respect to its Guaranteed Obligations; or

      (g) any other circumstance or any existence of or reliance on any
representation by any Lender Party that might otherwise constitute a defense
available to, or a discharge of, any Loan Party or any other guarantor or surety
other than satisfaction in full of the Obligations.

This Article 10 shall continue to be effective or be reinstated, as the case may
be, if at any time any payment of any of such Guarantor Party's Guaranteed
Obligations is rescinded or must otherwise be returned by any Lender Party or
any other Person upon the insolvency, bankruptcy or reorganization of any
Borrower or any other Loan Party or otherwise, all as though such payment had
not been made.

      Section 10.04. Waiver and Acknowledgments. (a) Each Guarantor Party
hereby waives promptness, diligence, notice of acceptance, presentment, demand
for performance, notice of nonperformance, default, acceleration, protest or
dishonor and any other notice with respect to any of its Guaranteed Obligations
and this Article 10 (other than any notice expressly required by the Loan
Documents) and any requirement that any Lender Party exhaust any right or take
any action against any Loan Party or any other Person.

      (b) Each Guarantor Party hereby unconditionally and irrevocably waives any
right to revoke this Article 10 and acknowledges that this Article 10 is
continuing in nature and applies to all of its Guaranteed Obligations, whether
existing now or in the future.

      (c) Each Guarantor Party hereby unconditionally and irrevocably waives any
defense arising by reason of any claim or defense based upon an election of
remedies by any Lender Party that in any manner impairs, reduces, releases or
otherwise adversely affects the subrogation, reimbursement, exoneration,
contribution or indemnification rights of such Guarantor Party or other rights
of such Guarantor Party to proceed against any of the other Loan Parties, any
other guarantor or any other Person and any defense based on any right of
set-off or

                                      112
<PAGE>

counterclaim against or in respect of the Obligations of such Guarantor Party
under this Article 10.

      (d) Each Guarantor Party hereby unconditionally and irrevocably waives any
duty on the part of any Lender Party to disclose to such Guarantor Party any
matter, fact or thing relating to the business, condition (financial or
otherwise), operations, performance, properties or prospects of any other Loan
Party or any of its Subsidiaries now or hereafter known by such Lender Party.

      (e) Each Guarantor Party acknowledges that it will receive substantial
direct and indirect benefits from the financing arrangements contemplated by the
Loan Documents and that the waivers set forth in this Article 10 are knowingly
made in contemplation of such benefits.

      Section 10.05. Subrogation. Each Guarantor Party hereby unconditionally
and irrevocably agrees not to exercise any rights that it may now have or
hereafter acquire against any other Loan Party (including, in the case of each
Borrower and Guarantor Party, each other Borrower) or any other insider
guarantor that arise from the existence, payment, performance or enforcement of
such Guarantor Party's Obligations under or in respect any Loan Document,
including, without limitation, any right of subrogation, reimbursement,
exoneration, contribution or indemnification and any right to participate in any
claim or remedy of any Lender Party against any other Loan Party or any other
insider guarantor, whether or not such claim, remedy or right arises in equity
or under contract, statute or common law, including, without limitation, the
right to take or receive from any other Loan Party or any other insider
guarantor, directly or indirectly, in cash or other property or by set-off or in
any other manner, payment or security on account of such claim, remedy or right,
unless and until all of such Guarantor Party's Guaranteed Obligations and all
other amounts payable under this Article 10 shall have been paid in full in
cash, all Letters of Credit shall have expired or been terminated or otherwise
provided for in full in a manner reasonably satisfactory to the L/C Issuer and
the Commitments shall have expired or been terminated. If any amount shall be
paid to any Guarantor Party in violation of the immediately preceding sentence
at any time prior to the latest of (a) the payment in full in cash of the
Guaranteed Obligations and all other amounts payable under this Article 10, (b)
the Maturity Date and (c) the latest date of expiration or termination of all
Letters of Credit or other provision therefor in full in a manner reasonably
satisfactory to the L/C Issuer, such amount shall be received and held in trust
for the benefit of the Lender Parties, shall be segregated from other property
and funds of such Guarantor Party and shall forthwith be paid or delivered to
the Administrative Agent in the same form as so received (with any necessary
endorsement or assignment) to be credited and applied to such Guarantor Party's
Guaranteed Obligations and all other amounts payable by it under this Article
10, whether matured or unmatured, in accordance with the terms of the Loan
Documents. If (i) all of the Guaranteed Obligations and all other amounts
payable under this Article 10 shall have been paid in full in cash, (ii) the
Maturity Date shall have occurred and (iii) all Letters of Credit shall have
expired or been terminated or other provision therefor in full shall have been
made in a manner reasonably satisfactory to the L/C Issuer, the Lender Parties
will, at any Guarantor Party's request and expense, execute and deliver to such
Guarantor Party appropriate documents, without recourse and without
representation or warranty, necessary to evidence the transfer by subrogation to
such Guarantor Party of an interest in the Guaranteed Obligations resulting from
such payment made by such Guarantor Party pursuant to this Article 10.

                                      113
<PAGE>

      Section 10.06. Payment Free and Clear of Taxes. Any and all payments by
any Guarantor Party under this Article 10 shall be made in accordance with the
provisions of this Agreement, including the provisions of Section 3.01 (and such
Guarantor Party shall make such payments of Taxes or Other Taxes to the extent
described in Section 3.01), as though such payments were made by a Borrower.

      Section 10.07. No Waiver; Remedies. No failure on the part of any Lender
Party to exercise, and no delay in exercising, any right hereunder shall operate
as a waiver thereof; nor shall any single or partial exercise of any right
hereunder preclude any other or further exercise thereof or the exercise of any
other right. The remedies herein provided are cumulative and not exclusive of
any remedies provided by law.

      Section 10.08. Right of Set-Off. Upon (a) the occurrence and during the
continuance of any Event of Default and (b) the making of the request or the
granting of the consent specified by Section 8.02 to authorize the
Administrative Agent to declare the Loans due and payable pursuant to the
provisions of said Section 8.02, the Administrative Agent and, after obtaining
the prior written consent of the Administrative Agent, each other Agent and each
Lender and each of their respective Affiliates is hereby authorized at any time
and from time to time, to the fullest extent permitted by law, to set off and
apply any and all deposits (general or special, time or demand, provisional or
final, but not any deposits held in a custodial, trust or other fiduciary
capacity) at any time held and other indebtedness at any time owing by such
Agent, such Lender or such Affiliate to or for the credit or the account of any
Guarantor Party against any and all of the Obligations of such Guarantor Party
now or hereafter existing under any Loan Document, irrespective of whether such
Agent or such Lender shall have made any demand under any Loan Document and
although such Obligations may be unmatured. Each Agent and each Lender agrees
promptly to notify such Guarantor Party after any such set-off and application;
provided that the failure to give such notice shall not affect the validity of
such set-off and application. The rights of each Agent and each Lender and their
respective Affiliates under this Section 10.08 are in addition to other rights
and remedies (including, without limitation, other rights of set-off) that such
Agent, such Lender and their respective Affiliates may have.

      Section 10.09. Continuing Guaranty; Assignments under the Credit
Agreement. This Article 10 is a continuing guaranty and shall (a) remain in full
force and effect until the latest of (i) the payment in full in cash of the
Guaranteed Obligations and all other amounts payable under this Article 10, (ii)
the Maturity Date and (iii) the latest date of expiration or termination of all
Letters of Credit or other provision therefor in full in a manner reasonably
satisfactory to the L/C Issuer, (b) be binding upon each Guarantor Party, its
successors and assigns and (c) inure to the benefit of and be enforceable by the
Lender Parties and their permitted successors, transferees and assigns. Without
limiting the generality of clause (c) of the immediately preceding sentence, any
Lender Party may assign or otherwise transfer all or any portion of its rights
and obligations under the Credit Agreement (including, without limitation, all
or any portion of its Commitments, the Loans owing to it and the Note or Notes
held by it) to any other Person, and such other Person shall thereupon become
vested with all the benefits in respect thereof granted to such Lender Party
herein or otherwise, in each case as and to the extent provided in Section
11.07. No Guarantor Party shall have the right to assign its rights hereunder or
any interest herein without the prior written consent of all Lenders.

                                      114
<PAGE>

      Section 10.10. Subordination of Certain Intercompany Indebtedness. Each
Guarantor Party hereby agrees that any Indebtedness owed by it to another Loan
Party shall be subordinated to the Obligations of such Guarantor Party and that
any Indebtedness owed to it by another Loan Party shall be subordinated to the
Obligations of such other Loan Party, it being understood that such Guarantor
Party or such other Loan Party, as the case may be, may make payments on such
intercompany Indebtedness unless an Event of Default has occurred and is
continuing.

                                   ARTICLE 11
                                  MISCELLANEOUS

      Section 11.01. Amendments, Etc. (a) No amendment or waiver of any
provision of this Agreement or any other Loan Document, and no consent to any
departure by any Loan Party therefrom, shall be effective unless in writing
signed by the Required Lenders and the Company or the applicable Loan Party, as
the case may be, and each such waiver or consent shall be effective only in the
specific instance and for the specific purpose for which given; provided that:

            (i) no amendment, waiver or consent shall, without the written
      consent of each Lender directly affected thereby:

                  (A) extend or increase the Commitment of any Lender (it being
            understood that a waiver of any condition precedent set forth in
            Section 4.01 or 4.02 or the waiver of any Default, Event of Default
            or mandatory prepayment shall not constitute an extension or
            increase of any Commitment of any Lender);

                  (B) postpone any date scheduled for any payment of principal
            or interest under Section 2.08 or 2.09 or fees under Section 2.04(i)
            or 2.10(a), it being understood that the waiver of any mandatory
            prepayment of the Term Loans shall not constitute a postponement of
            any date scheduled for the payment of principal or interest;

                  (C) reduce or forgive the principal of, or the rate of
            interest specified herein on, any Loan or L/C Borrowing, or (subject
            to clause (iii) of the second proviso to this Section 11.01) any
            fees or other amounts payable hereunder or under any other Loan
            Document, it being understood that any change to the definition of
            Leverage Ratio or in the component definitions thereof shall not
            constitute a reduction in the rate of interest; provided that only
            the consent of the Required Lenders shall be necessary to amend the
            definition of "Default Rate" or to waive any obligation of any
            Borrower to pay interest at the Default Rate; or

                  (D) change Section 2.14 or 8.03 in any manner that would alter
            the pro rata sharing of payments required thereby; and

            (ii) no amendment, waiver or consent shall, without the written
      consent of each Lender:

                                      115
<PAGE>

                  (A) change any provision of this Section 11.01 or the
            definition of "Required Lenders" or any other provision hereof
            specifying the number or percentage of Lenders required to amend,
            waive or otherwise modify any rights hereunder or make any
            determination or grant any consent hereunder; or

                  (B) release all or substantially all of the value of the
            Guaranty;

provided further that:

            (1) no amendment, waiver or consent shall, unless in writing and
      signed by the L/C Issuer in addition to the Lenders required above, affect
      the rights or duties of the L/C Issuer under this Agreement or any Letter
      of Credit Application relating to any Letter of Credit issued or to be
      issued by it;

            (2) no amendment, waiver or consent shall, unless in writing and
      signed by the Swing Line Lenders in addition to the Lenders required
      above, affect the rights or duties of the Swing Line Lenders under this
      Agreement;

            (3) no amendment, waiver or consent shall, unless in writing and
      signed by the Administrative Agent in addition to the Lenders required
      above, affect the rights or duties of, or any fees or other amounts
      payable to, the Administrative Agent under this Agreement or any other
      Loan Document;

            (4) Section 11.07(i) may not be amended, waived or otherwise
      modified without the consent of each Granting Lender all or any part of
      whose Loans are being funded by an SPC at the time of such amendment,
      waiver or other modification; and

            (5) the Fee Letters may be amended, or rights or privileges
      thereunder waived, in a writing executed only by the parties thereto.

      (b) Notwithstanding anything to the contrary herein, no Defaulting Lender
shall have any right to approve or disapprove any amendment, waiver or consent
hereunder, except that the Commitment of such Lender may not be increased or
extended without the consent of such Lender (it being understood that any
Commitments or Loans held or deemed held by any Defaulting Lender shall be
excluded from a vote of the Lenders hereunder requiring any consent of the
Lenders).

      (c) Notwithstanding the foregoing, this Agreement may be amended (or
amended and restated) with the written consent of the Required Lenders, the
Administrative Agent and the Company (i) to add one or more additional credit
facilities to this Agreement and to permit the extensions of credit from time to
time outstanding thereunder and the accrued interest and fees in respect thereof
to share ratably in the benefits of this Agreement and the other Loan Documents
with the Term Loans and the Revolving Credit Loans and the accrued interest and
fees in respect thereof and (ii) to include appropriately the Lenders holding
such credit facilities in any determination of the Required Lenders.

                                      116
<PAGE>

      (d) Notwithstanding anything to the contrary contained herein, in order to
implement any Additional Term Loan Tranche or Additional Revolving Credit
Commitments in accordance with Section 2.16, this Agreement may be amended for
such purpose (but solely to the extent necessary to add such Additional Term
Loan Tranche or Additional Revolving Credit Commitments in accordance with
Section 2.16) by the Company, the Administrative Agent and the relevant Lenders
providing such Additional Term Loan Tranche or Additional Revolving Credit
Commitments.

      (e) In addition, notwithstanding the foregoing, this Agreement may be
amended with the written consent of the Administrative Agent, the Company and
the Lenders providing the relevant Replacement Term Loans (as defined below) to
permit the refinancing of all outstanding Term Loans ("REFINANCED TERM LOANS")
with a replacement term loan tranche hereunder ("REPLACEMENT TERM LOANS");
provided that (i) the aggregate principal amount of such Replacement Term Loans
shall not exceed the aggregate principal amount of such Refinanced Term Loans,
(ii) the Applicable Margin for such Replacement Term Loans shall not be higher
than the Applicable Margin for such Refinanced Term Loans, (iii) the weighted
average life to maturity of such Replacement Term Loans shall not be shorter
than the weighted average life to maturity of such Refinanced Term Loans at the
time of such refinancing and (iv) all other terms applicable to such Replacement
Term Loans shall be substantially identical to, or less favorable to the Lenders
providing such Replacement Term Loans than, those applicable to such Refinanced
Term Loans, except to the extent necessary to provide for covenants and other
terms applicable to any period after the latest final maturity of the Term Loans
in effect immediately prior to such refinancing.

      (f) Notwithstanding anything to the contrary contained in this Section
11.01, in the event that the Company requests that this Agreement be modified or
amended in a manner that would require the unanimous consent of all of the
Lenders and such modification or amendment is agreed to by one or more Lenders
(the "CONSENTING LENDERS"), then with the consent of the Company and the
Consenting Lenders, the Company and the Consenting Lenders shall be permitted to
amend this Agreement without the consent of the Lender or Lenders that did not
agree to the modification or amendment requested by the Company (such Lender or
Lenders, collectively the "DISSENTING LENDERS") to provide for (i) the
termination of the Commitment of each of the Dissenting Lenders, (ii) the
addition to this Agreement of one or more other financial institutions (each of
which shall be an Eligible Assignee), or an increase in the Commitment of one or
more of the Consenting Lenders (with the written consent thereof), so that the
total Commitment after giving effect to such amendment shall be in the same
amount as the total Commitment immediately before giving effect to such
amendment, (iii) if any Loans (including, for the avoidance of doubt, any L/C
Advances and Specified Rate Loans made by any Dissenting Lender) are outstanding
at the time of such amendment, the making of such additional Loans by such new
financial institutions or Consenting Lender or Lenders, as the case may be, as
may be necessary to repay in full, at par, the outstanding Loans of the
Dissenting Lenders immediately before giving effect to such amendment and (iv)
such other modifications to this Agreement as may be appropriate to effect the
foregoing clauses (i), (ii) and (iii).

      Section 11.02. Notices and Other Communications; Facsimile Copies. (a)
Generally. Unless otherwise expressly provided herein, all notices and other
communications provided for under any Loan Document shall be in writing
(including by facsimile transmission and, except as

                                      117
<PAGE>

otherwise specifically provided herein, electronic mail). All such written
notices shall be mailed, faxed or delivered to the applicable address, facsimile
number or (subject to Section 11.02(c)) electronic mail address, and all notices
and other communications expressly permitted hereunder to be given by telephone
shall be made to the applicable telephone number, as follows:

            (i) if to any Borrower, the Administrative Agent, the L/C Issuer or
      the Swing Line Lenders, to the address, facsimile number, electronic mail
      address or telephone number specified for such Person on Schedule 11.02 or
      to such other address, facsimile number, electronic mail address or
      telephone number as shall be designated by such party in a notice to the
      other parties; and

            (ii) if to any other Lender, to the address, facsimile number,
      electronic mail address or telephone number specified in its
      Administrative Questionnaire or to such other address, facsimile number,
      electronic mail address or telephone number as shall be designated by such
      party in a notice to the Company, the Administrative Agent, the L/C Issuer
      and the Swing Line Lenders.

All such notices and other communications shall be deemed to be given or made
upon the earlier of (x) actual receipt by the relevant party and (y) (A) if
delivered by hand or by courier, when signed for by or on behalf of the relevant
party; (B) if delivered by mail, four Business Days after deposit in the mails,
postage prepaid; (C) if delivered by facsimile, when sent and receipt has been
confirmed by telephone; and (D) if delivered by electronic mail, when delivered;
provided that notices and other communications to the Administrative Agent, the
L/C Issuer and the Swing Line Lenders pursuant to Article 2 shall not be
effective until actually received by such Person. In no event shall a voice mail
message be effective as a notice, communication or confirmation hereunder.

      (b) Effectiveness of Facsimile Documents and Signatures. Loan Documents
may be transmitted and/or signed by facsimile or other electronic means. The
effectiveness of any such documents and signatures shall, subject to applicable
Law, have the same force and effect as manually signed originals and shall be
binding on each Loan Party, each Agent and each Lender. The Administrative Agent
may also require that any such documents and signatures be confirmed by a
manually signed original thereof; provided that the failure to request or
deliver the same shall not limit the effectiveness of any facsimile document or
signature.

      (c) Electronic Communications. Notices and other communications to the
Lenders and the L/C Issuer hereunder may be delivered or furnished by electronic
communication (including electronic mail and Internet or intranet websites)
pursuant to procedures approved by the Administrative Agent; provided that the
foregoing shall not apply to notices to any Lender or the L/C Issuer pursuant to
Article 2 if such Lender or the L/C Issuer, as applicable, has notified the
Administrative Agent that it is incapable of receiving notices under such
Article by electronic communication. The Administrative Agent or the Company
may, in its discretion, agree to accept notices and other communications to it
hereunder by electronic communications pursuant to procedures approved by it;
provided that approval of such procedures may be limited to particular notices
or communications.

                                      118
<PAGE>

      (d) Reliance by Agents and Lenders. The Administrative Agent and the
Lenders shall be entitled to rely and act upon any notices (including telephonic
Committed Loan Notices and Swing Line Loan Notices) purportedly given by or on
behalf of any Borrower even if (i) such notices were not made in a manner
specified herein, were incomplete or were not preceded or followed by any other
form of notice specified herein, or (ii) the terms thereof, as understood by the
recipient, varied from any confirmation thereof. Such Borrower shall indemnify
each Agent-Related Person and each Lender from all losses, costs, expenses and
liabilities resulting from the reliance by such Person on each notice
purportedly given by or on behalf of such Borrower in the absence of gross
negligence or willful misconduct.

      Section 11.03. No Waiver; Cumulative Remedies. No failure by any Lender
or the Administrative Agent to exercise, and no delay by any such Person in
exercising, any right, remedy, power or privilege hereunder or under any other
Loan Document shall operate as a waiver thereof; nor shall any single or partial
exercise of any right, remedy, power or privilege hereunder preclude any other
or further exercise thereof or the exercise of any other right, remedy, power or
privilege. The rights, remedies, powers and privileges provided under each Loan
Document are cumulative and not exclusive of any rights, remedies, powers and
privileges provided by Law.

      Section 11.04. Attorney Costs, Expenses and Taxes. Each Borrower agrees
(a) to pay or reimburse the Administrative Agent for all reasonable
out-of-pocket costs and expenses incurred in connection with the preparation,
negotiation, syndication and execution of this Agreement and the other Loan
Documents, and any amendment, waiver, consent or other modification of the
provisions hereof and thereof (whether or not the transactions contemplated
thereby are consummated), and the consummation and administration of the
transactions contemplated hereby and thereby, including all Attorney Costs of a
single firm of attorneys acting as counsel to the Administrative Agent, and (b)
to pay or reimburse the Administrative Agent and each Lender for all reasonable
out-of-pocket costs and expenses incurred in connection with the enforcement of
any rights or remedies under this Agreement or the other Loan Documents
(including all such costs and expenses incurred during any legal proceeding,
including any proceeding under any Debtor Relief Law), including all Attorney
Costs of counsel to the Administrative Agent. All amounts due under this Section
11.04 shall be paid within ten (10) Business Days after receipt by the Company
of an invoice in reasonable detail. The agreements in this Section 11.04 shall
survive the termination of the Aggregate Commitments and repayment of all other
Obligations. If any Loan Party fails to pay when due any costs, expenses or
other amounts payable by it hereunder or under any Loan Document, such amount
may be paid on behalf of such Loan Party by the Administrative Agent or any
Lender, in its sole discretion.

      Section 11.05. Indemnification by the Borrowers. Whether or not the
transactions contemplated hereby are consummated, the Borrowers shall jointly
and severally indemnify and hold harmless each Agent, each Lender and their
respective Affiliates, directors, officers, employees, counsel, agents,
attorneys-in-fact, trustees and advisors (collectively the "INDEMNITEES") from
and against any and all liabilities, losses, damages, claims and costs
(including Attorney Costs, which shall be limited to one counsel to the
Administrative Agent and the Lenders (exclusive of one local counsel to the
Administrative Agent and the Lenders in each relevant jurisdiction), unless (x)
the interests of the Administrative Agent and the Lenders are sufficiently
divergent, in which case one additional counsel may be appointed and (y) if the

                                      119
<PAGE>

interests of any Lender or group of Lenders (other than all of the Lenders) are
distinctly or disproportionately affected, one additional counsel for such
Lender or group of Lenders in the case of clause (a) below) of any kind or
nature whatsoever which may at any time be imposed on, incurred by or asserted
against any such Indemnitee in any way relating to or arising out of or in
connection with:

      (a) the execution, delivery, enforcement, performance or administration of
any Loan Document or any other agreement, letter or instrument delivered in
connection with the transactions contemplated thereby or the consummation of the
transactions contemplated thereby;

      (b) any Commitment, Loan or Letter of Credit or the use or proposed use of
the proceeds therefrom (including any refusal by the L/C Issuer to honor a
demand for payment under a Letter of Credit if the documents presented in
connection with such demand do not strictly comply with the terms of such Letter
of Credit); or

      (c) any actual or alleged presence or release of Hazardous Materials on or
from any property currently or formerly owned or operated by any Restricted
Company or any of their Subsidiaries, or any Environmental Liability related in
any way to any Restricted Company or any of their Subsidiaries; or

      (d) any actual or prospective claim, litigation, investigation or
proceeding relating to any of the foregoing, whether based on contract, tort or
any other theory (including any investigation of, preparation for, or defense of
any pending or threatened claim, investigation, litigation or proceeding) and
regardless of whether any Indemnitee is a party thereto;

(all the foregoing, collectively, the "INDEMNIFIED LIABILITIES"), in all cases,
whether or not caused by or arising, in whole or in part, out of the negligence
of the Indemnitee; provided that such indemnity shall not, as to any Indemnitee,
be available to the extent that such liabilities, losses, damages, claims and
costs (x) have resulted from the gross negligence or willful misconduct of such
Indemnitee or breach of the Loan Documents by such Indemnitee as determined by
the final non-appealable judgment of a court of competent jurisdiction or (y)
arise from claims of any of the Lenders solely against one or more Lenders that
have not resulted from any misrepresentation, default or the breach of any Loan
Document or any actual or alleged performance or non-performance by a Borrower
or one of its Subsidiaries or other Affiliates or any of their respective
officers, directors, stockholders, partners, members, employees, agents,
representatives or advisors. No Indemnitee shall be liable for any damages
arising from the use by others of any information or other materials obtained
through IntraLinks or other similar information transmission systems in
connection with this Agreement, except to the extent resulting from the willful
misconduct or gross negligence of such Indemnitee as determined by the final
non-appealable judgment of a court of competent jurisdiction, nor shall any
Indemnitee or any Loan Party have any liability for any special, punitive,
indirect or consequential damages relating to this Agreement or any other Loan
Document or arising out of its activities in connection herewith or therewith
(whether before or after the Closing Date). In the case of an investigation,
litigation or other proceeding to which the indemnity in this Section 11.05
applies, such indemnity shall be effective whether or not such investigation,
litigation or proceeding is brought by any Loan Party, its directors,
shareholders or creditors or an Indemnitee or any other

                                      120
<PAGE>

Person, whether or not any Indemnitee is otherwise a party thereto and whether
or not any of the transactions contemplated hereunder or under any of the other
Loan Documents is consummated. All amounts due under this Section 11.05 shall be
paid promptly after receipt by the Company of an invoice in reasonable detail.
The agreements in this Section 11.05 shall survive the resignation of the
Administrative Agent, the replacement of any Lender, the termination of the
Aggregate Commitments and the repayment, satisfaction or discharge of all the
other Obligations.

      Section 11.06. Payments Set Aside. To the extent that any payment by or
on behalf of any Borrower is made to any Agent or any Lender, or any Agent or
any Lender exercises its right of setoff, and such payment or the proceeds of
such setoff or any part thereof is subsequently invalidated, declared to be
fraudulent or preferential, set aside or required (including pursuant to any
settlement entered into by such Agent or such Lender in its discretion) to be
repaid to a trustee, receiver or any other party, in connection with any
proceeding under any Debtor Relief Law or otherwise, then:

      (a) to the extent of such recovery, the obligation or part thereof
originally intended to be satisfied shall be revived and continued in full force
and effect as if such payment had not been made or such setoff had not occurred,
and

      (b) each Lender severally agrees to pay to the Administrative Agent upon
demand its applicable share of any amount so recovered from or repaid by any
Agent, plus interest thereon from the date of such demand to the date such
payment is made at a rate per annum equal to the applicable Federal Funds Rate
from time to time in effect.

      Section 11.07. Assigns. (a) The provisions of this Agreement shall be
binding upon and inure to the benefit of the parties hereto and their respective
successors and assigns permitted hereby. Nothing in this Agreement, expressed or
implied, shall be construed to confer upon any Person (other than the parties
hereto, their respective successors and assigns permitted hereby, Participants
to the extent provided in Section 11.07(f) and, to the extent expressly
contemplated hereby, the Indemnitees) any legal or equitable right, remedy or
claim under or by reason of this Agreement.

      (b) Notwithstanding Section 11.07(a), neither the Company nor any other
Borrower may assign or otherwise transfer any of its rights or obligations
hereunder without the prior written consent of each Lender.

      (c) Notwithstanding Section 11.07(a), no Lender may assign or otherwise
transfer any of its rights or obligations hereunder except (i) to an Eligible
Assignee in accordance with the provisions of Section 11.07(d), (ii) by way of
participation in accordance with the provisions of Section 11.07(f), (iii) by
way of pledge or assignment of a security interest subject to the restrictions
of Section 11.07(h) and Section 11.07(j) or (iv) to an SPC in accordance with
the provisions of Section 11.07(i) (and any other attempted assignment or
transfer by any party hereto shall be null and void).

      (d) Any Lender may at any time assign to one or more Eligible Assignees
all or a portion of its rights and obligations under this Agreement; provided
that

                                      121
<PAGE>

      (i) except in the case of an assignment of the entire remaining amount of
the assigning Lender's Commitment and the Loans at the time owing to it or, in
the case of an assignment to a Lender or an Affiliate of a Lender or an Approved
Fund, the aggregate amount of the Commitment (which for this purpose includes
Loans outstanding thereunder) or, if the applicable Commitment is not then in
effect, the outstanding principal balance of the Loan of the assigning Lender
subject to each such assignment, determined as of the date the Assignment and
Assumption with respect to such assignment is delivered to the Administrative
Agent or, if "Trade Date" is specified in the Assignment and Assumption, as of
the Trade Date, shall not be less than $25,000,000, in the case of any
assignment in respect of the Revolving Credit Facility, or $10,000,000, in the
case of any assignment in respect of any Term Loans, unless each of the
Administrative Agent and, so long as no Event of Default in respect of Section
8.01(a) or (f) has occurred and is continuing, the Company otherwise consents
(each such consent not to be unreasonably withheld or delayed);

      (ii) each partial assignment shall be made as an assignment of a
proportionate part of all the assigning Lender's rights and obligations under
this Agreement with respect to the Loans or the Commitment assigned, except that
this clause (ii) shall not (x) apply to rights in respect of Swing Line Loans or
(y) prohibit any Lender from assigning all or a portion of its rights and
obligations among separate Facilities on a non-pro rata basis;

      (iii) any assignment of a Term Loan or a Revolving Credit Commitment to an
Eligible Assignee must be approved, if applicable, by the Persons specified for
such assignment in the definition of Eligible Assignee;

      (iv) the parties (other than the Company unless its consent to such
assignment is required hereunder) to each assignment shall execute and deliver
to the Administrative Agent an Assignment and Assumption, together with a
processing and recordation fee of $3,500 (which fee the Company shall have no
obligation to pay except as required in Section 3.09); and

      (v) the assigning Lender shall deliver any Notes evidencing such Loans to
the Company or the Administrative Agent (and the Administrative Agent shall
deliver such Notes to the Company). Subject to acceptance and recording thereof
by the Administrative Agent pursuant to Section 11.07(e), from and after the
effective date specified in each Assignment and Assumption, the Eligible
Assignee thereunder shall be a party to this Agreement and, to the extent of the
interest assigned by such Assignment and Assumption, have the rights and
obligations of a Lender under this Agreement, and the assigning Lender
thereunder shall, to the extent of the interest assigned by such Assignment and
Assumption, be released from its obligations under this Agreement (and, in the
case of an Assignment and Assumption covering all of the assigning Lender's
rights and obligations under this Agreement, such Lender shall cease to be a
party hereto but shall continue to be entitled to the benefits of Section 3.01,
3.04, 3.05, 3.07, 11.04 and 11.05 with respect to facts and circumstances
occurring prior to the effective date of such assignment). Upon request, and the
surrender by the assigning Lender of its Note, the Borrower (at its expense)
shall execute and deliver a Note to the assignee Lender.

                                      122
<PAGE>

      Any assignment or transfer by a Lender of rights or obligations under this
      Agreement that does not comply with this clause (d) shall be treated for
      purposes of this Agreement as a sale by such Lender of a participation in
      such rights and obligations in accordance with Section 11.07(f).

      (e) The Administrative Agent, acting solely for this purpose as an agent
of each Borrower, shall maintain at the Administrative Agent's Office a copy of
each Assignment and Assumption delivered to it and a register for the
recordation of the names and addresses of the Lenders, and the Commitments of,
and principal amounts (and related interest amounts) of the Loans, L/C
Obligations (specifying the Unreimbursed Amounts), L/C Borrowings and amounts
due under Section 2.04 owing to each Lender pursuant to the terms hereof from
time to time (the "REGISTER"). The entries in the Register shall be conclusive,
absent manifest error, and each Borrower, each Agent and each Lender shall treat
each Person whose name is recorded in the Register pursuant to the terms hereof
as a Lender hereunder for all purposes of this Agreement, notwithstanding notice
to the contrary. The Register shall be available for inspection by any Borrower,
any Agent and any Lender, at any reasonable time and from time to time upon
reasonable prior notice.

      (f) Any Lender may at any time, without the consent of, or notice to, any
Borrower or the Administrative Agent, sell participations to any Person (other
than a natural person) (each, a "PARTICIPANT") in all or a portion of such
Lender's rights and/or obligations under this Agreement; provided that (i) such
Lender's obligations under this Agreement shall remain unchanged, (ii) such
Lender shall remain solely responsible to the other parties hereto for the
performance of such obligations and (iii) each Borrower, each Agent and each
other Lender shall continue to deal solely and directly with such Lender in
connection with such Lender's rights and obligations under this Agreement. Any
agreement or instrument pursuant to which a Lender sells such a participation
shall provide that such Lender shall retain the sole right to enforce this
Agreement and the other Loan Documents and to approve any amendment,
modification or waiver of any provision of this Agreement or the other Loan
Documents; provided that such agreement or instrument may provide that such
Lender will not, without the consent of the Participant, agree to any amendment,
waiver or other modification described in Section 11.01(a)(i) that directly
affects such Participant. Subject to Section 11.07(g), each Participant shall be
entitled to the benefits of Section 3.01, and Sections 3.04 through 3.07 to the
same extent as if it were a Lender and had acquired its interest by assignment
pursuant to Section 11.07(d). To the extent permitted by law, each Participant
also shall be entitled to the benefits of Section 11.10 as though it were a
Lender; provided that such Participant agrees to be subject to Section 2.14 as
though it were a Lender.

      (g) A Participant shall not be entitled to receive any greater payment
under Section 3.01 and Sections 3.04 through 3.07 than the applicable Lender
would have been entitled to receive with respect to the participation sold to
such Participant, unless the sale of the participation to such Participant is
made with each Borrower's prior written consent and such Participant complies
with Section 11.16 as if such Participant were a Lender under Section 11.16. A
Participant shall not be entitled to the benefits of Section 3.01 unless each
Borrower is notified of the participation sold to such Participant and such
Participant agrees, for the benefit of each Borrower, to comply with Section
11.16 as though it were a Lender.

                                      123
<PAGE>

      (h) Any Lender may at any time pledge or assign a security interest in all
or any portion of its rights under this Agreement under its Note, if any to
secure obligations of such Lender, including any pledge or assignment to secure
obligations to a Federal Reserve Bank; provided that no such pledge or
assignment shall release such Lender from any of its obligations hereunder or
substitute any such pledgee or assignee for such Lender as a party hereto.

      (i) Notwithstanding anything to the contrary contained herein:

            (i) any Lender (a "GRANTING LENDER") may grant to a special purpose
      funding vehicle (an "SPC") identified as such in writing from time to time
      by the Granting Lender to the Administrative Agent and the Company the
      option to provide all or any part of any Loan that such Granting Lender
      would otherwise be obligated to make pursuant to this Agreement; provided
      that

                  (A) nothing herein shall constitute a commitment by any SPC to
            fund any Loan, and

                  (B) if an SPC elects not to exercise such option or otherwise
            fails to make all or any part of such Loan, the Granting Lender
            shall be obligated to make such Loan pursuant to the terms hereof.

            (ii) (A) neither the grant to any SPC nor the exercise by any SPC of
      such option shall increase the costs or expenses or otherwise increase or
      change the obligations of any Borrower under this Agreement (including its
      obligations under Section 3.01 or 3.04 through 3.07), (B) no SPC shall be
      liable for any indemnity or similar payment obligation under this
      Agreement for which a Lender would be liable, and (C) the Granting Lender
      shall for all purposes, including the approval of any amendment, waiver or
      other modification of any provision of any Loan Document, remain the
      lender of record hereunder. The making of a Loan by an SPC hereunder shall
      utilize the Commitment of the Granting Lender to the same extent, and as
      if, such Loan were made by such Granting Lender.

            (iii) any SPC may (A) with notice to, but without prior consent of
      any Borrower or the Administrative Agent and with the payment of a
      processing fee of $3,500, assign all or any portion of its right to
      receive payment with respect to any Loan to the Granting Lender and (B)
      disclose on a confidential basis any non-public information relating to
      its funding of Loans to any rating agency, commercial paper dealer or
      provider of any surety or Guarantee or credit or liquidity enhancement to
      such SPC.

      (j) Notwithstanding anything to the contrary contained herein, any Lender
that is a Fund may create a security interest in all or any portion of the Loans
owing to it and the Note, if any, held by it to the trustee for holders of
obligations owed, or securities issued, by such Fund as security for such
obligations or securities; provided that unless and until such trustee actually
becomes a Lender in compliance with the other provisions of this Section 11.07,
(i) no such pledge shall release the pledging Lender from any of its obligations
under the Loan Documents, (ii) such trustee shall not be entitled to exercise
any of the rights of a Lender under the Loan

                                      124
<PAGE>

Documents even though such trustee may have acquired ownership rights with
respect to the pledged interest through foreclosure or otherwise (unless such
trustee is an Eligible Assignee which has complied with the requirements of
Section 11.07(d)).

      Section 11.08. Successors. Notwithstanding anything to the contrary
contained herein, either or both of JPMCB and Bank of America may, upon 30 days'
notice to the Company and the Lenders, resign as L/C Issuer and/or Swing Line
Lender; provided that on or prior to the expiration of such 30-day period with
respect to JPMCB's resignation as L/C Issuer, JPMCB shall have identified a
successor L/C Issuer reasonably acceptable to the Company willing to accept its
appointment as successor L/C Issuer. In the event of any such resignation as L/C
Issuer or Swing Line Lender, the Company shall be entitled to appoint a
successor L/C Issuer or Swing Line Lender from among the Lenders willing to
accept such appointment; provided that a failure by the Company to appoint any
such successor shall not affect the resignation of JPMCB or Bank of America as
L/C Issuer or Swing Line Lender, as the case may be, except as provided above.
If JPMCB resigns as L/C Issuer, it shall retain all the rights and obligations
of the L/C Issuer with respect to all Letters of Credit outstanding as of the
effective date of its resignation as L/C Issuer and all L/C Obligations with
respect thereto (including the right to require the Lenders to make Base Rate
Loans or fund risk participations in Unreimbursed Amounts pursuant to Section
2.04(c)). If JPMCB or Bank of America resigns as Swing Line Lender, it shall
retain all the rights of the Swing Line Lender with respect to Swing Line Loans
made by it and outstanding as of the effective date of such resignation,
including the right to require the Lenders to make Specified Rate Loans or fund
risk participations in outstanding Swing Line Loans pursuant to Section 2.05(c).

      Section 11.09. Confidentiality. Each Agent and each Lender agrees to
maintain the confidentiality of the Information, except that the Information may
be disclosed (a) to its directors, officers, employees and agents, including
accountants, legal counsel and other advisors (it being understood that the
Persons to whom such disclosure is made will be informed of the confidential
nature of such Information and who have agreed or are otherwise obligated to
keep such Information confidential, and the applicable Agent or Lender shall be
responsible for compliance by such Persons with such obligations); (b) to the
extent requested by any regulatory authority having jurisdiction over the
applicable Agent or Lender; (c) to the extent required by applicable Laws or
regulations or by any subpoena or similar legal process; provided that the Agent
or Lender that discloses any Information pursuant to this clause (c) shall
provide the Company prompt notice of such disclosure; (d) to any other party to
this Agreement; (e) subject to an agreement containing provisions substantially
the same as (or no less restrictive than) those of this Section 11.09 (or as may
otherwise be reasonably acceptable to each Borrower), (x) to any Eligible
Assignee of or Participant in, or any prospective Eligible Assignee of or
Participant in, any of its rights or obligations under this Agreement or (y) to
any direct, indirect, actual or prospective counterparty (and its advisor) to
any swap, derivative or securitization transaction related to its obligations
under this Agreement; (f) with the written consent of the Company; (g) to the
extent such Information becomes publicly available other than as a result of a
breach of this Section 11.09; (h) to any state, Federal or foreign authority or
examiner (including the National Association of Insurance Commissioners or any
other similar organization) regulating any Lender; or (i) to any rating agency
when required by it (it being understood that, prior to any such disclosure,
such rating agency shall undertake to preserve the confidentiality of any

                                      125
<PAGE>

Information relating to the Loan Parties received by it from such Lender). In
addition, any Agent and any Lender may disclose the existence of this Agreement
and information about this Agreement to market data collectors, similar service
providers to the lending industry, and service providers to any Agent and any
Lender in connection with the administration and management of this Agreement,
the other Loan Documents, the Commitments, and the Credit Extensions. For the
purposes of this Section 11.09, "INFORMATION" means all information received
from any Loan Party relating to any Loan Party or its business, other than any
such information that is publicly available to any Agent or any Lender prior to
disclosure by any Loan Party other than as a result of a breach of this Section
11.09.

      Section 11.10. Set-off. In addition to any rights and remedies of each
Lender provided by Law, upon the occurrence and during the continuance of any
Event of Default, after obtaining the prior written consent of the
Administrative Agent, each Lender is authorized at any time and from time to
time, without prior notice to any Loan Party, any such notice being waived by
each Borrower (on its own behalf and on behalf of each other Loan Party) to the
fullest extent permitted by Law, to set off and apply any and all deposits
(general or special, time or demand, provisional or final, but not any deposits
held in a custodial, trust or other fiduciary capacity), at any time held by,
and other Indebtedness at any time owing by, such Lender to or for the credit or
the account of the respective Loan Parties against any and all Obligations owing
to such Lender hereunder or under any other Loan Document, now or hereafter
existing, irrespective of whether or not such Agent or such Lender shall have
made demand under this Agreement or any other Loan Document and although such
Obligations may be contingent or unmatured or denominated in a currency
different from that of the applicable deposit or Indebtedness. Each Lender
agrees promptly to notify the Company and the Administrative Agent after any
such set off and application made by such Lender; provided that the failure to
give such notice shall not affect the validity of such setoff and application.
The rights of the Administrative Agent and each Lender under this Section 11.10
are in addition to other rights and remedies (including other rights of setoff)
that the Administrative Agent and such Lender may have.

      Section 11.11. Interest Rate Limitation. Notwithstanding anything to the
contrary contained in any Loan Document, the interest paid or agreed to be paid
under any Loan Document shall not exceed the maximum rate of non-usurious
interest permitted by applicable Law (the "MAXIMUM RATE"). If any Agent or any
Lender shall receive interest in an amount that exceeds the Maximum Rate, the
excess interest shall be applied to the principal of the Loans or, if it exceeds
such unpaid principal, refunded to such Borrower. In determining whether the
interest contracted for, charged, or received by an Agent or a Lender exceeds
the Maximum Rate, such Person may, to the extent permitted by applicable Law,
(a) characterize any payment that is not principal as an expense, fee, or
premium rather than interest, (b) exclude voluntary prepayments and the effects
thereof, and (c) amortize, prorate, allocate, and spread in equal or unequal
parts the total amount of interest throughout the contemplated term of the
Obligations hereunder.

      Section 11.12. Counterparts. This Agreement and each other Loan Document
may be executed in one or more counterparts, each of which shall be deemed an
original, but all of which together shall constitute one and the same
instrument. Delivery by telecopier of an executed counterpart of a signature
page to this Agreement and each other Loan Document shall be effective as
delivery of an original executed counterpart of this Agreement and such other

                                      126
<PAGE>

Loan Document. The Agents may also require that any such documents and
signatures delivered by telecopier be confirmed by a manually signed original
thereof; provided that the failure to request or deliver the same shall not
limit the effectiveness of any document or signature delivered by telecopier.

      Section 11.13. Integration. This Agreement, together with the other Loan
Documents, comprises the complete and integrated agreement of the parties on the
subject matter hereof and thereof and supersedes all prior agreements, written
or oral, on such subject matter. In the event of any conflict between the
provisions of this Agreement and those of any other Loan Document, the
provisions of this Agreement shall control; provided that the inclusion of
supplemental rights or remedies in favor of any Agent or any Lender in any other
Loan Document shall not be deemed a conflict with this Agreement and subject, in
the case of Letter of Credit Applications, to the last sentence of Section
2.04(b)(i). Each Loan Document was drafted with the joint participation of the
respective parties thereto and shall be construed neither against nor in favor
of any party, but rather in accordance with the fair meaning thereof.

      Section 11.14. Survival of Representations and Warranties. All
representations and warranties made hereunder and in any other Loan Document or
other document delivered pursuant hereto or thereto or in connection herewith or
therewith shall survive the execution and delivery hereof and thereof. Such
representations and warranties have been or will be relied upon by each Agent
and each Lender, regardless of any investigation made by any Agent or any Lender
or on their behalf and notwithstanding that any Agent or any Lender may have had
notice or knowledge of any Default at the time of any Credit Extension, and
shall continue in full force and effect as long as any Loan or any other
Obligation hereunder shall remain unpaid or unsatisfied or any Letter of Credit
shall remain outstanding.

      Section 11.15. Severability. If any provision of this Agreement or the
other Loan Documents is held to be illegal, invalid or unenforceable, the
legality, validity and enforceability of the remaining provisions of this
Agreement and the other Loan Documents shall not be affected or impaired
thereby. The invalidity of a provision in a particular jurisdiction shall not
invalidate or render unenforceable such provision in any other jurisdiction.

      Section 11.16. Tax Forms. (a) (i) Any Foreign Lender that is entitled to
an exemption from or reduction of withholding tax under the law of the
jurisdiction in which a Borrower is resident for tax purposes, or any treaty to
which such jurisdiction is a party, with respect to payments hereunder or under
any other Loan Document shall deliver to the Company (with a copy to the
Administrative Agent), at the time or times prescribed by applicable law or
reasonably requested by the Company or the Administrative Agent, such properly
completed and executed documentation prescribed by applicable law as will permit
such payments to be made without withholding or at a reduced rate of
withholding. In addition, any Lender, if requested by the Company or the
Administrative Agent, shall deliver such other documentation prescribed by
applicable law or reasonably requested by the Company or the Administrative
Agent as will enable the Company or the Administrative Agent to determine
whether or not such Lender is subject to backup withholding or information
reporting requirements.

            (ii) Without limiting the generality of the foregoing, in the event
      that a Borrower is resident for tax purposes in the United States, any
      Foreign Lender shall

                                      127
<PAGE>

deliver to the Company and the Administrative Agent, on or prior to the
date which is ten Business Days after the Closing Date (or upon accepting an
assignment of an interest herein), two duly signed, properly completed copies of
either IRS Form W-8BEN or any successor thereto (relating to such Foreign Lender
and entitling it to an exemption from, or reduction of, United States
withholding tax on all payments to be made to such Foreign Lender by the Company
or any other Loan Party pursuant to this Agreement or any other Loan Document)
or IRS Form W-8ECI or any successor thereto (relating to all payments to be made
to such Foreign Lender by the Company or any other Loan Party pursuant to this
Agreement or any other Loan Document) or such other evidence reasonably
satisfactory to the Company and the Administrative Agent that such Foreign
Lender is entitled to an exemption from, or reduction of, United States
withholding tax, including any exemption pursuant to Section 881(c) of the Code,
and in the case of a Foreign Lender claiming such an exemption under Section
881(c) of the Code, a certificate that establishes in writing to the Company and
the Administrative Agent that such Foreign Lender is not (A) a "bank" as defined
in Section 881(c)(3)(A) of the Code, (B) a 10-percent shareholder within the
meaning of Section 871(h)(3)(B) of the Code, or (C) a controlled foreign
corporation related to the Company within the meaning of Section 864(d) of the
Code. Thereafter and from time to time, each such Foreign Lender shall (1)
promptly submit to the Company and the Administrative Agent such additional duly
and properly completed and signed copies of one or more of such forms or
certificates (or such successor forms or certificates as shall be adopted from
time to time by the relevant United States taxing authorities) as may then be
available under then current United States laws and regulations to avoid, or
such evidence as is reasonably satisfactory to the Company and the
Administrative Agent of any available exemption from, or reduction of, United
States withholding taxes in respect of all payments to be made to such Foreign
Lender by the Borrowers or other Loan Party pursuant to this Agreement, or any
other Loan Document, in each case, (x) on or before the date that any such form,
certificate or other evidence expires or becomes obsolete, (y) after the
occurrence of any event requiring a change in the most recent form, certificate
or evidence previously delivered by it to the Company and the Administrative
Agent and (z) from time to time thereafter if reasonably requested by the
Company or the Administrative Agent, and (2) promptly notify the Company and the
Administrative Agent of any change in circumstances which would modify or render
invalid any claimed exemption or reduction.

      (iii) Each Foreign Lender, to the extent it does not act or ceases to act
for its own account with respect to any portion of any sums paid or payable to
such Foreign Lender under any of the Loan Documents (for example, in the case of
a typical participation by such Foreign Lender), shall deliver to the Company
and the Administrative Agent on the date when such Foreign Lender ceases to act
for its own account with respect to any portion of any such sums paid or
payable, and at such other times as may be necessary in the determination of the
Company or the Administrative Agent (in either case, in the reasonable exercise
of its discretion), (A) two duly signed, properly completed copies of the forms
or statements required to be provided by such Foreign Lender as set forth above,
to establish the portion of any such sums paid or payable with respect to which
such Foreign Lender acts for its own account that is not

                                      128
<PAGE>

subject to United States withholding tax, and (B) two duly signed, properly
completed copies of IRS Form W-8IMY (or any successor thereto), together with
any information such Foreign Lender chooses to transmit with such form, and any
other certificate or statement of exemption required under the Code, to
establish that such Foreign Lender is not acting for its own account with
respect to a portion of any such sums payable to such Foreign Lender.

      (iv) Without limiting the obligations of the Lenders set forth above
regarding delivery of certain forms and documents to establish each Lender's
status for U.S. withholding tax purposes, each Lender agrees promptly to deliver
to the Administrative Agent or the Company, as the Administrative Agent or the
Company shall reasonably request, on or prior to the Closing Date, and in a
timely fashion thereafter, such other documents and forms required by any
relevant taxing authorities under the Laws of any other jurisdiction, duly
executed and completed by such Lender, as are required under such Laws to
confirm such Lender's entitlement to any available exemption from, or reduction
of, applicable withholding taxes in respect of all payments to be made to such
Lender outside of the U.S. by the Borrowers pursuant to this Agreement or
otherwise to establish such Lender's status for withholding tax purposes in such
other jurisdiction. Each Lender shall promptly (i) notify the Administrative
Agent of any change in circumstances which would modify or render invalid any
such claimed exemption or reduction, and (ii) take such steps as shall not be
materially disadvantageous to it, in the reasonable judgment of such Lender, and
as may be reasonably necessary (including the re-designation of its Lending
Office) to avoid any requirement of applicable Laws of any such jurisdiction
that any Borrower make any deduction or withholding for taxes from amounts
payable to such Lender. Additionally, each of the Borrowers shall promptly
deliver to the Administrative Agent or any Lender, as the Administrative Agent
or such Lender shall reasonably request, on or prior to the Closing Date, and in
a timely fashion thereafter, such documents and forms required by any relevant
taxing authorities under the Laws of any jurisdiction, duly executed and
completed by such Borrower, as are required to be furnished by such Lender or
the Administrative Agent under such Laws in connection with any payment by the
Administrative Agent or any Lender of Taxes or Other Taxes, or otherwise in
connection with the Loan Documents, with respect to such jurisdiction.

      (v) The Borrowers shall not be required to pay any additional amount or
any indemnity payment under Section 3.01 to (A) any Foreign Lender with respect
to any Taxes required to be deducted or withheld on the basis of the
information, certificates or statements of exemption such Lender transmits
pursuant to this Section 11.16(a), (B) any Foreign Lender if such Foreign Lender
shall have failed to satisfy the foregoing provisions of this Section 11.16(a),
or (C) any U.S. Lender if such U.S. Lender shall have failed to satisfy the
provisions of Section 11.16(b); provided that if such Lender shall have
satisfied the requirement of this Section 11.16(a) or Section 11.16(b), as
applicable, on the date such Lender became a Lender or ceased to act for its own
account with respect to any payment under any of the Loan Documents, nothing in
this Section 11.16(a) or Section 11.16(b) shall relieve the Borrowers of their
obligation to pay any amounts pursuant to Section 3.01 in the event that, as a
result of any change in any

                                      129
<PAGE>

      applicable Law, treaty or governmental rule, regulation or order, or any
      change in the interpretation, administration or application thereof, such
      Lender is no longer properly entitled to deliver forms, certificates or
      other evidence at a subsequent date establishing the fact that such Lender
      or other Person for the account of which such Lender receives any sums
      payable under any of the Loan Documents is not subject to withholding or
      is subject to withholding at a reduced rate.

            (vi) The Administrative Agent may deduct and withhold any taxes
      required by any Laws to be deducted and withheld from any payment under
      any of the Loan Documents.

      (b) Each Lender and Agent that is a "United States person" within the
meaning of Section 7701(a)(30) of the Code (each, a "U.S. LENDER") shall deliver
to the Administrative Agent and the Company two duly signed, properly completed
copies of IRS Form W-9 on or prior to the Closing Date (or on or prior to the
date it becomes a party to this Agreement), certifying that such U.S. Lender is
entitled to an exemption from United States backup withholding tax, or any
successor form. If such U.S. Lender fails to deliver such forms, then the
Administrative Agent may withhold from any payment to such U.S. Lender an amount
equivalent to the applicable backup withholding tax imposed by the Code and the
Borrowers shall not be liable for any additional amounts with respect to such
withholding.

      (c) If any Governmental Authority asserts that the Borrowers or the
Administrative Agent did not properly withhold or backup withhold, as the case
may be, any tax or other amount from payments made to or for the account of any
Foreign Lender or U.S. Lender, such Foreign Lender or U.S. Lender shall
indemnify the Borrowers and the Administrative Agent therefor, including all
penalties and interest, any taxes imposed by any jurisdiction on the amounts
payable to the Borrowers and the Administrative Agent under this Section 11.16,
and costs and expenses (including Attorney Costs) of the Borrowers and the
Administrative Agent. The obligation of the Foreign Lenders or U.S. Lenders,
severally, under this Section 11.16 shall survive the termination of the
Aggregate Commitments, repayment of all other Obligations hereunder and the
resignation of the Administrative Agent.

      Section 11.17. Governing Law. (a) THIS AGREEMENT AND EACH OTHER LOAN
DOCUMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAW OF THE
STATE OF NEW YORK.

      (b) ANY LEGAL ACTION OR PROCEEDING WITH RESPECT TO THIS AGREEMENT OR ANY
OTHER LOAN DOCUMENT MAY BE BROUGHT IN THE COURTS OF THE STATE OF NEW YORK
SITTING IN NEW YORK CITY OR OF THE UNITED STATES FOR THE SOUTHERN DISTRICT OF
SUCH STATE, AND BY EXECUTION AND DELIVERY OF THIS AGREEMENT, EACH BORROWER, EACH
AGENT AND EACH LENDER CONSENTS, FOR ITSELF AND IN RESPECT OF ITS PROPERTY, TO
THE NON-EXCLUSIVE JURISDICTION OF THOSE COURTS. EACH BORROWER, EACH AGENT AND
EACH LENDER IRREVOCABLY WAIVES ANY OBJECTION, INCLUDING ANY OBJECTION TO THE
LAYING OF VENUE OR BASED ON THE GROUNDS OF FORUM NON CONVENIENS, WHICH IT MAY
NOW OR HEREAFTER HAVE TO THE BRINGING OF ANY ACTION OR PROCEEDING IN SUCH

                                      130
<PAGE>

JURISDICTION IN RESPECT OF ANY LOAN DOCUMENT OR OTHER DOCUMENT RELATED THERETO.

      Section 11.18. Waiver of Right to Trial by Jury. EACH PARTY TO THIS
AGREEMENT HEREBY EXPRESSLY WAIVES ANY RIGHT TO TRIAL BY JURY OF ANY CLAIM,
DEMAND, ACTION OR CAUSE OF ACTION ARISING UNDER ANY LOAN DOCUMENT OR IN ANY WAY
CONNECTED WITH OR RELATED OR INCIDENTAL TO THE DEALINGS OF THE PARTIES HERETO OR
ANY OF THEM WITH RESPECT TO ANY LOAN DOCUMENT, OR THE TRANSACTIONS RELATED
THERETO, IN EACH CASE WHETHER NOW EXISTING OR HEREAFTER ARISING, AND WHETHER
FOUNDED IN CONTRACT OR TORT OR OTHERWISE; AND EACH PARTY HEREBY AGREES AND
CONSENTS THAT ANY SUCH CLAIM, DEMAND, ACTION OR CAUSE OF ACTION SHALL BE DECIDED
BY COURT TRIAL WITHOUT A JURY, AND THAT ANY PARTY TO THIS AGREEMENT MAY FILE AN
ORIGINAL COUNTERPART OR A COPY OF THIS SECTION 11.18 WITH ANY COURT AS WRITTEN
EVIDENCE OF THE CONSENT OF THE SIGNATORIES HERETO TO THE WAIVER OF THEIR RIGHT
TO TRIAL BY JURY.

      Section 11.19. Binding Effect. This Agreement shall become effective when
it shall have been executed by each Borrower and the Administrative Agent shall
have been notified by each Lender, each Swing Line Lender and the L/C Issuer
that each such Lender, Swing Line Lender and the L/C Issuer has executed it and
thereafter shall be binding upon and inure to the benefit of the Borrowers, each
Agent and each Lender and their respective successors and assigns, except that
no Borrower shall have the right to assign its rights hereunder or any interest
herein without the prior written consent of the Lenders.

      Section 11.20. No Implied Duties. The Borrowers acknowledge that (a) the
sole role of the Arrangers is to syndicate the Facilities and to arrange for
future amendments and other modifications hereto and (b) no Agent has any duty
other than as expressly provided herein. Without limiting the generality of the
foregoing, the Borrowers agree that no Arranger or Agent shall in any event be
subject to any fiduciary or other implied duties. Additionally, the Borrowers
acknowledge and agree that the Arrangers are not advising the Borrower as to any
legal, tax, investment, accounting or regulatory matters in any jurisdiction.
The Borrowers have consulted and will continue to consult with their own
advisors concerning such matters and shall be responsible for making their own
independent investigation and appraisal of the transactions contemplated hereby
(including any amendments or other modifications hereto), and no Arranger or
Lender Party shall have any responsibility or liability to any Borrower with
respect thereto. Any review by any Arranger or Lender Party of the Borrowers,
the transactions contemplated hereby or other matters relating to such
transactions will be performed solely for the benefit of such Arranger or Lender
Party and shall not be on behalf of any Borrower.

      Section 11.21. USA Patriot Act Notice. Each Lender that is subject to the
Act (as hereinafter defined) and the Administrative Agent (for itself and not on
behalf of any Lender) hereby notifies each Borrower that pursuant to the
requirements of the USA Patriot Act (Title III of Pub. L. 107-56 (signed into
law October 26, 2001)) (the "ACT"), it is required to obtain, verify and record
information that identifies each Borrower and each Guarantor, which information
includes the name and address of such Borrower or Guarantor and other
information that will

                                      131
<PAGE>

allow such Lender or the Administrative Agent, as applicable, to identify such
Borrower or Guarantor in accordance with the Act.

      Section 11.22. Judgment Currency. If, for the purposes of obtaining
judgment in any court, it is necessary to convert a sum due hereunder or any
other Loan Document in one currency into another currency, the rate of exchange
used shall be that at which in accordance with normal banking procedures the
Administrative Agent could purchase the first currency with such other currency
on the Business Day preceding that on which final judgment is given. The
obligation of each Borrower in respect of any such sum due from it to the
Administrative Agent or the Lenders hereunder or under the other Loan Documents
shall, notwithstanding any judgment in a currency (the "JUDGMENT CURRENCY")
other than that in which such sum is denominated in accordance with the
applicable provisions of this Agreement (the "AGREEMENT CURRENCY"), be
discharged only to the extent that on the Business Day following receipt by the
Administrative Agent of any sum adjudged to be so due in the Judgment Currency,
the Administrative Agent may in accordance with normal banking procedures
purchase the Agreement Currency with the Judgment Currency. If the amount of the
Agreement Currency so purchased is less than the sum originally due to the
Administrative Agent from any Borrower in the Agreement Currency, such Borrower
agrees, as a separate obligation and notwithstanding any such judgment, to
indemnify the Administrative Agent or the Person to whom such obligation was
owing against such loss. If the amount of the Agreement Currency so purchased is
greater than the sum originally due to the Administrative Agent in such
currency, the Administrative Agent agrees to return the amount of any excess to
such Borrower (or to any other Person who may be entitled thereto under
applicable law).

            [THE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK.]

                                      132
<PAGE>

      IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
duly executed as of the date first above written.

                                           FIDELITY NATIONAL
                                              INFORMATION SERVICES, INC.

                                           By:/s/Michael E. Sax
                                              -------------------------------
                                              Name:Michael E. Sax
                                              Title:Senior Vice President and
                                                     Treasure

<PAGE>

                                           JPMORGAN CHASE BANK, N.A., AS
                                              ADMINISTRATIVE AGENT, SWING LINE
                                              LENDER AND L/C ISSUER AND AS A
                                              LENDER

                                           By:/s/ Robert Anastasio
                                              -------------------------------
                                              Name:Robert Anastasio
                                              Title: Vice President

<PAGE>

                                           BANK OF AMERICA, N.A., AS
                                              SWING LINE LENDER AND AS A LENDER

                                           By:/s/ Joshua A. Podietz
                                              -------------------------------
                                              Name:Joshua A. Podietz
                                              Title:Vice President

<PAGE>

                               NAME OF LENDER:
                                              -------------------------------

                                           By:
                                              -------------------------------
                                              Name:
                                              Title:

<PAGE>

                               NAME OF LENDER: ------------------------------

                                           By:
                                              -------------------------------
                                              Name:
                                              Title:

                                           By:
                                              -------------------------------
                                              Name:
                                              Title:

<PAGE>
                                                                  SCHEDULE 1.01A

                             MANDATORY COST FORMULAE

1.    The Mandatory Cost (to the extent applicable) is an addition to the
      interest rate to compensate Multicurrency Revolving Credit Lenders for the
      cost of compliance with:

      (a)   the requirements of the Bank of England and/or the Financial
            Services Authority (or, in either case, any other authority which
            replaces all or any of its functions); or

      (b)   the requirements of the European Central Bank.

2.    On the first day of each Interest Period (or as soon as possible
      thereafter) the Administrative Agent shall calculate, as a percentage
      rate, a rate (the "ADDITIONAL COST RATE") for each Multicurrency Revolving
      Credit Lender, in accordance with the paragraphs set out below. The
      Mandatory Cost will be calculated by the Administrative Agent as a
      weighted average of the Lenders' Additional Cost Rates (weighted in
      proportion to the percentage participation of each Lender in the relevant
      Revolving Credit Loan) and will be expressed as a percentage rate per
      annum. The Administrative Agent will, at the request of the Company or any
      Multicurrency Revolving Credit Lender, deliver to the Company or such
      Lender as the case may be, a statement setting forth the calculation of
      any Mandatory Cost.

3.    The Additional Cost Rate for any Multicurrency Revolving Credit Lender
      lending from a Lending Office in a Participating Member State will be the
      percentage notified by that Lender to the Administrative Agent. This
      percentage will be certified by such Lender in its notice to the
      Administrative Agent to be its reasonable determination of the cost
      (expressed as a percentage of such Lender's participation in all Revolving
      Credit Loans made from such Lending Office) of complying with the minimum
      reserve requirements of the European Central Bank in respect of Revolving
      Credit Loans made from that Lending Office.

4.    The Additional Cost Rate for any Multicurrency Revolving Credit Lender
      lending from a Lending Office in the United Kingdom will be calculated by
      the Administrative Agent as follows:

      (a)   in relation to any Revolving Credit Loan in Sterling:

                               AB+C(B-D)+E x 0.01
                               ------------------- per cent per annum
                                   100 - (A+C)

      (b)   in relation to any Revolving Credit Loan in any currency other than
            Sterling:

                                    E x 0.01
                               ------------------- per cent per annum
                                       300

                                 Schedule 1.01A
                                     Page 1

<PAGE>

Where:

      "A"   is the percentage of Eligible Liabilities (assuming these to be in
            excess of any stated minimum) which that Lender is from time to time
            required to maintain as an interest free cash ratio deposit with the
            Bank of England to comply with cash ratio requirements.

      "B"   is the percentage rate of interest (excluding the Applicable Rate,
            the Mandatory Cost and any interest charged on overdue amounts
            pursuant to the first sentence of Section 2.09(b) and, in the case
            of interest (other than on overdue amounts) charged at the Default
            Rate, without counting any increase in interest rate effected by the
            charging of the Default Rate) payable for the relevant Interest
            Period of such Loan.

      "C"   is the percentage (if any) of Eligible Liabilities which that Lender
            is required from time to time to maintain as interest bearing
            Special Deposits with the Bank of England.

      "D"   is the percentage rate per annum payable by the Bank of England to
            the Administrative Agent on interest bearing Special Deposits.

      "E"   is designed to compensate Multicurrency Revolving Credit Lenders for
            amounts payable under the Fees Rules and is calculated by the
            Administrative Agent as being the average of the most recent rates
            of charge supplied by the Lenders to the Administrative Agent
            pursuant to paragraph 7 below and expressed in pounds per
            (pound)1,000,000.

5.    For the purposes of this Schedule:

      (a)   "Eligible Liabilities" and "Special Deposits" have the meanings
            given to them from time to time under or pursuant to the Bank of
            England Act 1998 or (as may be appropriate) by the Bank of England;

      (b)   "Fees Rules" means the rules on periodic fees contained in the FSA
            Supervision Manual or such other law or regulation as may be in
            force from time to time in respect of the payment of fees for the
            acceptance of deposits;

      (c)   "Fee Tariffs" means the fee tariffs specified in the Fees Rules
            under the activity group A.1 Deposit acceptors (ignoring any minimum
            fee or zero rated fee required pursuant to the Fees Rules but taking
            into account any applicable discount rate); and

      (d)   "Tariff Base" has the meaning given to it in, and will be calculated
            in accordance with, the Fees Rules.

                                 Schedule 1.01A
                                     Page 2
<PAGE>

6.    In application of the above formulae, A, B, C and D will be included in
      the formulae as percentages (i.e. 5% will be included in the formula as 5
      and not as 0.05). A negative result obtained by subtracting D from B shall
      be taken as zero. The resulting figures shall be rounded to four decimal
      places.

7.    If requested by the Administrative Agent or the Company, each
      Multicurrency Revolving Credit Lender with a Lending Office in the United
      Kingdom or a Participating Member State shall, as soon as practicable
      after publication by the Financial Services Authority, supply to the
      Administrative Agent and the Company, the rate of charge payable by such
      Lender to the Financial Services Authority pursuant to the Fees Rules in
      respect of the relevant financial year of the Financial Services Authority
      (calculated for this purpose by such Lender as being the average of the
      Fee Tariffs applicable to such Lender for that financial year) and
      expressed in pounds per (pound)1,000,000 of the Tariff Base of such
      Lender.

8.    Each Multicurrency Revolving Credit Lender shall supply any information
      required by the Administrative Agent for the purpose of calculating its
      Additional Cost Rate. In particular, but without limitation, each
      Multicurrency Revolving Credit Lender shall supply the following
      information in writing on or prior to the date on which it becomes a
      Multicurrency Revolving Credit Lender:

      (a)   the jurisdiction of the Lending Office out of which it is making
            available its participation in the relevant Loan; and

      (b)   any other information that the Administrative Agent may reasonably
            require for such purpose.

Each Multicurrency Revolving Credit Lender shall promptly notify the
Administrative Agent in writing of any change to the information provided by it
pursuant to this paragraph.

9.    The percentages of each Multicurrency Revolving Credit Lender for the
      purpose of A and C above and the rates of charge of each Multicurrency
      Revolving Credit Lender for the purpose of E above shall be determined by
      the Administrative Agent based upon the information supplied to it
      pursuant to paragraphs 7 and 8 above and on the assumption that, unless a
      Multicurrency Revolving Credit Lender notifies the Administrative Agent to
      the contrary, each Multicurrency Revolving Credit Lender's obligations in
      relation to cash ratio deposits and Special Deposits are the same as those
      of a typical bank from its jurisdiction of incorporation with a Lending
      Office in the same jurisdiction as its Lending Office.

10.   The Administrative Agent shall have no liability to any Person if such
      determination results in an Additional Cost Rate which over- or
      under-compensates any Multicurrency Revolving Credit Lender and shall be
      entitled to assume that the information provided by any Lender pursuant to
      paragraphs 3, 7 and 8 above is true and correct in all respects.

11.   The Administrative Agent shall distribute the additional amounts received
      as a result of the Mandatory Cost to the Multicurrency Revolving Credit
      Lenders on the basis of the

                                 Schedule 1.01A
                                     Page 3

<PAGE>

      Additional Cost Rate for each Multicurrency Revolving Credit Lender based
      on the information provided by each Multicurrency Revolving Credit Lender
      pursuant to paragraphs 3, 7 and 8 above.

12.   Any determination by the Administrative Agent pursuant to this Schedule in
      relation to a formula, the Mandatory Cost, an Additional Cost Rate or any
      amount payable to a Multicurrency Revolving Credit Lender shall, in the
      absence of manifest error, be conclusive and binding on all parties
      hereto.

13.   The Administrative Agent may from time to time, after consultation with
      the Company and the Multicurrency Revolving Credit Lenders, determine and
      notify to all parties any amendments which are required to be made to this
      Schedule in order to comply with any change in law, regulation or any
      requirements from time to time imposed by the Bank of England, the
      Financial Services Authority or the European Central Bank (or, in any
      case, any other authority which replaces all or any of its functions) and
      any such determination shall, in the absence of manifest error, be
      conclusive and binding on all parties hereto.

                                 Schedule 1.01A
                                     Page 4
<PAGE>

                                 SCHEDULE 1.01A

                             MANDATORY COST FORMULAE

1.   The Mandatory Cost (to the extent applicable) is an addition to the
     interest rate to compensate Multicurrency Revolving Credit Lenders for the
     cost of compliance with:

     (a)  the requirements of the Bank of England and/or the Financial Services
          Authority (or, in either case, any other authority which replaces all
          or any of its functions); or

     (b)  the requirements of the European Central Bank.

2.   On the first day of each Interest Period (or as soon as possible
     thereafter) the Administrative Agent shall calculate, as a percentage rate,
     a rate (the "ADDITIONAL COST RATE") for each Multicurrency Revolving Credit
     Lender, in accordance with the paragraphs set out below. The Mandatory Cost
     will be calculated by the Administrative Agent as a weighted average of the
     Lenders' Additional Cost Rates (weighted in proportion to the percentage
     participation of each Lender in the relevant Revolving Credit Loan) and
     will be expressed as a percentage rate per annum. The Administrative Agent
     will, at the request of the Company or any Multicurrency Revolving Credit
     Lender, deliver to the Company or such Lender as the case may be, a
     statement setting forth the calculation of any Mandatory Cost.

3.   The Additional Cost Rate for any Multicurrency Revolving Credit Lender
     lending from a Lending Office in a Participating Member State will be the
     percentage notified by that Lender to the Administrative Agent. This
     percentage will be certified by such Lender in its notice to the
     Administrative Agent to be its reasonable determination of the cost
     (expressed as a percentage of such Lender's participation in all Revolving
     Credit Loans made from such Lending Office) of complying with the minimum
     reserve requirements of the European Central Bank in respect of Revolving
     Credit Loans made from that Lending Office.

4.   The Additional Cost Rate for any Multicurrency Revolving Credit Lender
     lending from a Lending Office in the United Kingdom will be calculated by
     the Administrative Agent as follows:

     (a)  in relation to any Revolving Credit Loan in Sterling:

               AB+C(B-D)+E x 0.01
               ------------------ per cent per annum
                  100 - (A+C)

     (b)  in relation to any Revolving Credit Loan in any currency other than
          Sterling:

               E x 0.01
               -------- per cent per annum
                  300

                                Schedule 1.01A-1

<PAGE>

Where:

     "A"  is the percentage of Eligible Liabilities (assuming these to be in
          excess of any stated minimum) which that Lender is from time to time
          required to maintain as an interest free cash ratio deposit with the
          Bank of England to comply with cash ratio requirements.

     "B"  is the percentage rate of interest (excluding the Applicable Rate, the
          Mandatory Cost and any interest charged on overdue amounts pursuant to
          the first sentence of Section 2.09(b) and, in the case of interest
          (other than on overdue amounts) charged at the Default Rate, without
          counting any increase in interest rate effected by the charging of the
          Default Rate) payable for the relevant Interest Period of such Loan.

     "C"  is the percentage (if any) of Eligible Liabilities which that Lender
          is required from time to time to maintain as interest bearing Special
          Deposits with the Bank of England.

     "D"  is the percentage rate per annum payable by the Bank of England to the
          Administrative Agent on interest bearing Special Deposits.

     "E"  is designed to compensate Multicurrency Revolving Credit Lenders for
          amounts payable under the Fees Rules and is calculated by the
          Administrative Agent as being the average of the most recent rates of
          charge supplied by the Lenders to the Administrative Agent pursuant to
          paragraph 7 below and expressed in pounds per L1,000,000.

5.   For the purposes of this Schedule:

     (a)  "Eligible Liabilities" and "Special Deposits" have the meanings given
          to them from time to time under or pursuant to the Bank of England Act
          1998 or (as may be appropriate) by the Bank of England;

     (b)  "Fees Rules" means the rules on periodic fees contained in the FSA
          Supervision Manual or such other law or regulation as may be in force
          from time to time in respect of the payment of fees for the acceptance
          of deposits;

     (c)  "Fee Tariffs" means the fee tariffs specified in the Fees Rules under
          the activity group A.1 Deposit acceptors (ignoring any minimum fee or
          zero rated fee required pursuant to the Fees Rules but taking into
          account any applicable discount rate); and

     (d)  "Tariff Base" has the meaning given to it in, and will be calculated
          in accordance with, the Fees Rules.

                                Schedule 1.01A-2

<PAGE>

6.   In application of the above formulae, A, B, C and D will be included in the
     formulae as percentages (i.e. 5% will be included in the formula as 5 and
     not as 0.05). A negative result obtained by subtracting D from B shall be
     taken as zero. The resulting figures shall be rounded to four decimal
     places.

7.   If requested by the Administrative Agent or the Company, each Multicurrency
     Revolving Credit Lender with a Lending Office in the United Kingdom or a
     Participating Member State shall, as soon as practicable after publication
     by the Financial Services Authority, supply to the Administrative Agent and
     the Company, the rate of charge payable by such Lender to the Financial
     Services Authority pursuant to the Fees Rules in respect of the relevant
     financial year of the Financial Services Authority (calculated for this
     purpose by such Lender as being the average of the Fee Tariffs applicable
     to such Lender for that financial year) and expressed in pounds per
     L1,000,000 of the Tariff Base of such Lender.

8.   Each Multicurrency Revolving Credit Lender shall supply any information
     required by the Administrative Agent for the purpose of calculating its
     Additional Cost Rate. In particular, but without limitation, each
     Multicurrency Revolving Credit Lender shall supply the following
     information in writing on or prior to the date on which it becomes a
     Multicurrency Revolving Credit Lender:

     (a)  the jurisdiction of the Lending Office out of which it is making
          available its participation in the relevant Loan; and

     (b)  any other information that the Administrative Agent may reasonably
          require for such purpose.

Each Multicurrency Revolving Credit Lender shall promptly notify the
Administrative Agent in writing of any change to the information provided by it
pursuant to this paragraph.

9.   The percentages of each Multicurrency Revolving Credit Lender for the
     purpose of A and C above and the rates of charge of each Multicurrency
     Revolving Credit Lender for the purpose of E above shall be determined by
     the Administrative Agent based upon the information supplied to it pursuant
     to paragraphs 7 and 8 above and on the assumption that, unless a
     Multicurrency Revolving Credit Lender notifies the Administrative Agent to
     the contrary, each Multicurrency Revolving Credit Lender's obligations in
     relation to cash ratio deposits and Special Deposits are the same as those
     of a typical bank from its jurisdiction of incorporation with a Lending
     Office in the same jurisdiction as its Lending Office.

10.  The Administrative Agent shall have no liability to any Person if such
     determination results in an Additional Cost Rate which over- or
     under-compensates any Multicurrency Revolving Credit Lender and shall be
     entitled to assume that the information provided by any Lender pursuant to
     paragraphs 3, 7 and 8 above is true and correct in all respects.

                                Schedule 1.01A-3

<PAGE>

11.  The Administrative Agent shall distribute the additional amounts received
     as a result of the Mandatory Cost to the Multicurrency Revolving Credit
     Lenders on the basis of the Additional Cost Rate for each Multicurrency
     Revolving Credit Lender based on the information provided by each
     Multicurrency Revolving Credit Lender pursuant to paragraphs 3, 7 and 8
     above.

12.  Any determination by the Administrative Agent pursuant to this Schedule in
     relation to a formula, the Mandatory Cost, an Additional Cost Rate or any
     amount payable to a Multicurrency Revolving Credit Lender shall, in the
     absence of manifest error, be conclusive and binding on all parties hereto.

13.  The Administrative Agent may from time to time, after consultation with the
     Company and the Multicurrency Revolving Credit Lenders, determine and
     notify to all parties any amendments which are required to be made to this
     Schedule in order to comply with any change in law, regulation or any
     requirements from time to time imposed by the Bank of England, the
     Financial Services Authority or the European Central Bank (or, in any case,
     any other authority which replaces all or any of its functions) and any
     such determination shall, in the absence of manifest error, be conclusive
     and binding on all parties hereto.

                                Schedule 1.01A-4

<PAGE>

                                 SCHEDULE 1.01B

                             CLOSING DATE GUARANTORS

<TABLE>
<CAPTION>
                         COMPANY                             JURISDICTION OF ORGANIZATION
----------------------------------------------------------   ----------------------------
<S>                                                          <C>
Aurum Technology Inc.                                        Delaware
Certegy Check Services, Inc.                                 Delaware
Certegy Payment Recovery Services, Inc.                      Georgia
Clear Par, LLC                                               New York
DOCX, LLC                                                    Georgia
Fidelity Information Services, Inc.                          Arkansas
Fidelity Information Services International Holdings, Inc.   Delaware
Fidelity International Resource Management, Inc.             Delaware
Fidelity National Agency Sales and Posting                   California
Fidelity National Card Services, Inc.                        Florida
Fidelity National Credit Services, Inc.                      New York
Fidelity National E-Banking Services, Inc.                   Georgia
Fidelity National Field Services, Inc.                       Delaware
Fidelity National Foreclosure Solutions, Inc.                Delaware
Fidelity National Global Card Services, Inc.                 Florida
Fidelity National Information Services, LLC                  Delaware
Fidelity National Information Solutions, Inc.                Delaware
Fidelity National Payment Services, Inc.                     Delaware
Fidelity National Tax Service, Inc.                          California
Fidelity National Transaction Services, Inc.                 Georgia
Fidelity Output Solutions, LP                                Texas
FNF Capital Leasing, Inc.                                    Delaware
FNF Capital, LLC                                             California
FNIS Flood Group, LLC                                        Delaware
FNIS Flood Services, L.P.                                    Delaware
Game Financial Corporation                                   Minnesota
Geotrac, Inc.                                                Delaware
Hansen Quality, LLC                                          California
InterCept, Inc.                                              Georgia
InterCept Services, LLC                                      Georgia
InterCept TX I, LLC                                          Georgia
International Data Management Corporation                    California
Investment Property Exchange Services, Inc.                  California
LRT Record Services, Inc.                                    Texas
LSI Appraisal, LLC                                           Delaware
LSI Title Agency, Inc.                                       Illinois
</TABLE>

                                Schedule 1.01B-1

<PAGE>

<TABLE>
<CAPTION>
                         COMPANY                             JURISDICTION OF ORGANIZATION
----------------------------------------------------------   ----------------------------
<S>                                                          <C>
LSI Title Company                                            California
Property Insight, LLC                                        California
</TABLE>

                                Schedule 1.01B-2

<PAGE>

                                 SCHEDULE 1.01C

                              MANAGEMENT AGREEMENTS

     None.

                                 Schedule 1.01C

<PAGE>

                                 SCHEDULE 1.01D

                            UNRESTRICTED SUBSIDIARIES

     None.

                                 Schedule 1.01D

<PAGE>

                                  SCHEDULE 2.01

                                   COMMITMENTS

                          (ALL FIGURES IN U.S. DOLLARS)

<TABLE>
<CAPTION>
                                                      MULTICURRENCY        US DOLLAR
                                                        REVOLVING       REVOLVING CREDIT     TERM LOAN
                                                    CREDIT COMMITMENT      COMMITMENT        COMMITMENT     TOTAL COMMITMENT
                                                    -----------------   ----------------   --------------   ----------------
<S>                                                 <C>                 <C>                <C>              <C>
JPMorgan Chase Bank, N.A.                              $114,500,000       $  2,500,000     $  273,000,000    $  390,000,000
Bank of America, N.A.                                   114,500,000          2,500,000        273,000,000       390,000,000
Wachovia Bank, National Association                     114,500,000          2,500,000        273,000,000       390,000,000
BNP Paribas                                              90,000,000                 --        210,000,000       300,000,000
Wells Fargo Bank, National Association                           --         45,000,000        105,000,000       150,000,000
U.S. Bank National Association                           30,000,000                 --         70,000,000       100,000,000
Bear Stearns Corporate Lending Inc.                      30,000,000                 --         70,000,000       100,000,000
The Bank of Nova Scotia                                  30,000,000                 --         70,000,000       100,000,000
Mizuho Corporate Bank Ltd New York Branch                30,000,000                 --         70,000,000       100,000,000
SunTrust Bank                                            22,500,000                 --         52,500,000        75,000,000
Union Bank of California, N.A.                                   --         21,000,000         49,000,000        70,000,000
Citibank, N.A.                                           15,000,000                 --         35,000,000        50,000,000
Calyon New York Branch                                           --         15,000,000         35,000,000        50,000,000
National City Bank                                       15,000,000                 --         35,000,000        50,000,000
Credit Suisse, Cayman Island Branch                      15,000,000                 --         35,000,000        50,000,000
United Overseas Bank Limited, New York Agency                    --         15,000,000         35,000,000        50,000,000
KBC Bank N.V.                                            15,000,000                 --         35,000,000        50,000,000
The Governor and Company of the Bank of Ireland          15,000,000                 --         35,000,000        50,000,000
Citizens Bank of Massachusetts                           15,000,000                 --         35,000,000        50,000,000
Regions Bank                                                     --         10,500,000         24,500,000        35,000,000
Comerica Bank U.S. Banking-South                          9,000,000                 --         21,000,000        30,000,000
The Bank of Tokyo-Mitsubishi UFJ, Ltd., NY Branch                --          9,000,000         21,000,000        30,000,000
Goldman Sachs Credit Partners L.P.                        7,500,000                 --         17,500,000        25,000,000
Commerzbank                                                      --          7,500,000         17,500,000        25,000,000
Lehman Commercial Paper Inc.                              7,500,000                 --         17,500,000        25,000,000
Bank of New York                                          7,500,000                 --         17,500,000        25,000,000
Bank of China, New York Branch                            7,500,000                 --         17,500,000        25,000,000
HSBC Bank USA, N.A.                                       7,500,000                 --         17,500,000        25,000,000
PNC Bank, National Association                            7,500,000                 --         17,500,000        25,000,000
EverBank                                                         --          7,500,000         17,500,000        25,000,000
Bank of the West                                          7,500,000                 --         17,500,000        25,000,000
RBC Centura Bank (Royal Bank of Canada)                          --          6,000,000         14,000,000        20,000,000
E.Sun Commercial Bank, Ltd., Los Angeles Branch                  --          4,500,000         10,500,000        15,000,000
Fifth Third Bank, A Michigan Banking Corporation          4,500,000                 --         10,500,000        15,000,000
Chang Hwa Commercial Bank, Ltd., New York Branch                 --          4,500,000         10,500,000        15,000,000
Taipei Fubon Commercial Bank, New York Agency             3,000,000                 --          7,000,000        10,000,000
The Bank of Kentucky, Inc                                        --          3,000,000          7,000,000        10,000,000
Hua Nan Commercial Bank, Ltd. New York Agency                    --          3,000,000          7,000,000        10,000,000
Chinatrust                                                       --          3,000,000          7,000,000        10,000,000
Bank of Communications Co.,Ltd, New York Branch                  --          1,500,000          3,500,000         5,000,000
First Commercial Bank, New York Agency                           --          1,500,000          3,500,000         5,000,000
                                                       ------------       ------------     --------------    --------------
   TOTAL                                               $735,000,000       $165,000,000     $2,100,000,000    $3,000,000,000
                                                       ============       ============     ==============    ==============
</TABLE>

                                  Schedule 2.01

<PAGE>

                                  SCHEDULE 5.06

                                   LITIGATION

     None.

                                  Schedule 5.06
<PAGE>

                                  SCHEDULE 5.11

                                 SUBSIDIARIES(1)

FIDELITY NATIONAL INFORMATION SERVICES, INC., a Georgia corporation,

A.   Fidelity National Asia Pacific Holdings, LLC, a Georgia limited liability
     company

B.   Fidelity National Asset Management, Inc., a Georgia corporation

C.   Fidelity National Capital, Inc., a Georgia corporation

D.   Fidelity National Europe LLC, a Georgia limited liability company

     1.   Certegy International Investments C.V., a Netherlands company

          a.   Aircrown Ltd., a United Kingdom company

               i.     Certegy Canada Company, a Nova Scotia company

          b.   Fidelity National Canada Holdings LLC, a Georgia limited
               liability company

          c.   Certegy Dutch Holdings B.V., a Netherlands company

               i.     Certegy Card Services B.V., a Netherlands company

          d.   Certegy UK Holdings B.V., a Netherlands company

               i.     Certegy Card Services Australia Pty Ltd., an Australia
                      company

               ii.    Certegy Ltd., a United Kingdom company

                      1.   Certegy Card Services Ltd., a United Kingdom company

                      2.   Transax Limited, a United Kingdom company

                           a.   Central Credit Services, Ltd., a United Kingdom
                                company

                           b.   Certegy Australia Limited, a United Kingdom
                                company

                                i.   Certegy Ezi-Pay Pty Ltd., an Australia
                                     company

                                ii.  The Ezi-Travel Club Pty Ltd., an Australia
                                     company

                           c.   Certegy France Ltd., a United Kingdom company

                                i.   Certegy SNC, a France company

                           d.   Certegy Ireland Limited, an Ireland company

                           e.   Certegy New Zealand Ltd., a New Zealand company

                           f.   Certegy Pty Ltd., an Australia company

----------
*    Unless otherwise noted by indicating a percentage (%), each entity is
     wholly-owned by the entity appearing one numbering level directly above it
     in this Schedule.

                                 Schedule 5.11-1

<PAGE>

                           g.   Retail Credit Management Limited, a United
                                Kingdom company

                           h.   Viv plc, a United Kingdom company

E.   Fidelity National Payment Services, Inc., a Delaware corporation

     1.   Fidelity National Card Services, Inc., a Florida corporation

          a.   Certegy Card Services (Thailand) Co., Ltd., a Thailand company

          b.   Fidelity National Global Card Services, Inc., a Florida
               corporation

          c.   Crittson Financial Corporation, an Indiana corporation

               i.     Crittson Financial LLC, an Indiana limited liability
                      company

          d.   Payment South America Holdings, Inc., a Georgia corporation

               i.     Card Brazil Holdings, Inc., a Georgia corporation

                      1.   AGES Participacoes Ltda., a Brazil company (60.75%)

                           a.   Fidelity Participacoes e Servicos Ltda., a
                                Brazil company (72.13%)

                                i.   Arcturus S.A., a Brazil company

                                ii.  Holdco One Brasil S.A., a Brazil company

                                     1.   Celta Holdings, S.A., a Brazil company
                                          (51%)

                                          a.   Fidelity Processadora e Servicos
                                               S.A., a Brazil company

                      2.   Card Brazil LLC, a Georgia limited liability company

               ii.    Certegy Card Services Caribbean, Ltd., a Barbados company

               iii.   Payment Brasil Holdings Ltda., a Brazil company

                      1.   Certegy (Cayman Islands) Limited, a Cayman Islands
                           company

                      2.   Fidelity Participacoes e Servicos Ltda., a Brazil
                           company (27.87%)

                      3.   Partech Ltda., a Brazil company (51%)

               iv.    Payment Chile S.A., a Chile company

                      1.   Certegy S.A., a Chile company

               v.     Payment South America LLC, a Georgia limited liability
                      company

     2.   Certegy Check Services, Inc., a Delaware corporation

          a.   Certegy Payment Recovery Services, Inc., a Georgia corporation

     3.   Fidelity National E-Banking Services, Inc., a Georgia corporation

     4.   Fidelity National Transaction Services, Inc., a Georgia corporation

          a.   Game Financial Corporation, a Minnesota corporation

               i.     Game Financial Caribbean N.V., a Netherlands Antilles
                      company

                                Schedule 5.11-2

<PAGE>

     5.   Financial Insurance Marketing Group, Inc., a District of Columbia
          company

F.   Fidelity National First Bankcard Systems, Inc., a Georgia corporation

G.   Fidelity National Licensing Services, Inc., a Georgia corporation

H.   Fidelity National Information Services, LLC, a Delaware limited liability
     company

     1.   Fidelity National Information Solutions, Inc., a Delaware corporation
          ("OLD FNIS")

          a.   Arizona Sales and Posting, Inc., an Arizona corporation

          b.   A.S.A.P. Legal Publication Services, Inc., a California
               corporation

          c.   Comstock Net Services, Inc., a Delaware corporation

          d.   DOCX, LLC, a Georgia limited liability company

          e.   Fidelity Information Services, Inc., an Arkansas corporation
               ("OLD FIS")

               i.    BenchMark Consulting International N A, Inc., a Georgia
                     corporation

                     1.   BenchMark Consulting International Europe GmbH, a
                          Germany company

               ii.   Aurum Technology Inc., a Delaware corporation

               iii.  Clear Par, LLC, a New York limited liability company

               iv.   Fidelity Information Services (Hong Kong) Limited, a Hong
                     Kong company (99.9%)

               v.    Fidelity Information Services (Thailand) Limited, a Thai
                     company (99.9%)

               vi.   Fidelity Information Services International, Ltd., a
                     Delaware corporation

               vii.  Fidelity Information Services International Holdings,
                     Inc., a Delaware corporation

                     1.   Fidelity Information Services Limited, a United
                          Kingdom company

                     2.   Fidelity Information Services S.p.Z.o.o., a Poland
                          company

                     3.   ALLTEL Servicos de Informacion (Costa Rica) S.A., a
                          Costa Rica company

                     4.   Fidelity Information Services (France) SARL, a France
                          company

                     5.   Fidelity Information Services (Germany) GmbH, a
                          Germany company

                     6.   Fidelity Information Services Canada Limited
                          (Canada), a Canada company

                     7.   Fidelity Information Services (New Zealand) Limited,
                          a New Zealand company

                                Schedule 5.11-3

<PAGE>

                     8.   Fidelity Information Services Pakistan (Private)
                          Company Limited, a Pakistan company

                     9.   Fidelity Information Services Taiwan Company Limited,
                          a Taiwan company

               viii. Fidelity Information Services International Holdings,
                     C.V., (FISHI-Netherlands) a Netherlands company (90% owned
                     by Old FIS; 10% owned by FIRM)

                     1.   Fidelity National Information Services, C.V., a
                          Netherlands company (90% owned by FISHI-Netherlands;
                          10% owned by FIRM)

                          i.   Fidelity Information Services Holdings B.V., a
                               Netherlands company

                               1.   Fidelity Information and Technology
                                    Services (Beijing) Co., Ltd., a China
                                    company

                               2.   Fidelity Information Services Holding GmbH,
                                    a Germany company

                                    i.   KORDOBA GmbH & Co. KG, a Germany
                                         company

                                    ii.  KORDOBA Verwaltungs GmbH, a Germany
                                         company

                               3.   Fidelity Information Services Brasil
                                    Participacoes Ltda., a Brazil corporation,
                                    (99.9%; .1% owned by Fidelity Information
                                    Services International Holdings, CV)

                                    i.   Fidelity Servicos de Informatica
                                         Brasil Ltda. a Brazil company, (99.9%)

                               4.   FNIS Holding Brazil Ltda., a Brazil company

                                    i.   Proservvi Banco de Servicos S.A., a
                                         Brazil company (99.9%)

                                         a.   Proservvi Empreendimentos e
                                              Servicos Ltda., a Brazil company
                                              (99.9%)

                               5.   Fidelity Business Solutions India Private
                                    Limited, an Indian company

               ix.   Fidelity International Resource Management, Inc.,
                     ("FIRM"), a Delaware corporation

               x.    FIS Management Services, LLC, a Delaware limited liability
                     company

                                Schedule 5.11-4

<PAGE>

               xi.   Fidelity National Information Services (Netherlands) B.V.,
                     a Netherlands company

                     1.   KORDOBA B.V., a Netherlands company

               xii.  InterCept, Inc., a Georgia corporation

                     1.   InterCept Data Services, Inc., an Alabama corporation

                     2.   InterCept Services, LLC, a Georgia limited liability
                          company

                          i.   Fidelity Output Solutions, LP, a Texas limited
                               partnership

                          ii.  Fidelity Supply, LP, a Texas limited partnership

                          iii. InterCept TX I, LLC, a Georgia limited liability
                               company

               xiii. Sanchez Computer Associates, LLC, a Delaware limited
                     liability company

                     1.   Fidelity Outsourcing Services, Inc., a Delaware
                          corporation

                     2.   Profile Venture Partners Capital Fund I, LP, a
                          Delaware limited partnership (64.75%)

                     3.   PVP Advisors, LLC, a Delaware limited liability
                          company (62%)

                     4.   Sanchez Advisors, LLC, a Delaware limited liability
                          company

                     5.   Sanchez Software, Ltd., a Delaware corporation

                          i    Sanchez Computer Associates Pty Limited
                               (Australia)

                          ii.  FNIS Canada Inc. (Ontario Canada)

          f.   Fidelity National Agency Sales and Posting, a California
               corporation

          g.   Fidelity National Loan Portfolio Services, Inc., a California
               corporation

          h.   Fidelity National Credit Services, Inc., a New York corporation

          i.   FIS Capital Markets, LLC, a Delaware limited liability company

          j.   FNIS Flood Group, LLC, a Delaware limited liability company

               i.    FNIS Flood of California, LLC, a Delaware limited liability
                     company

                     1.   FNIS Flood Services, L.P., a Delaware limited
                          partnership (99%)

               ii.   FNIS Flood Services, L.P., a Delaware limited partnership
                     (1%)

          k.   FNIS Intellectual Property Holdings, Inc., a Delaware corporation

          l.   FNIS MLS Services, Inc., a Delaware corporation

          m.   FNIS Services, Inc., a Delaware corporation

          n.   Geosure, Inc., a Delaware corporation

               i.    Geosure, L.P., a New York limited partnership (83%)

                                 Schedule 5.11-5

<PAGE>

                     1.   NRC Insurance Services, Inc. a North Carolina
                          corporation

          o.   Geotrac, Inc., a Delaware corporation

               i.    OnePointCity, L.L.C., an Ohio limited liability company

          p.   Hansen Quality, LLC, a California limited liability company

          q.   HomeBuilders Financial Network, LLC, a Delaware limited liability
               company (75%)

               i.    HomeBuilders Investment, LLC, a Delaware limited liability
                     company

                     1.   Builders Affiliated Mortgage Services, a Florida
                          partnership

               ii.   HomeBuyers Mortgage Network, LLC, a Florida limited
                     liability company

               iii.  National Underwriting Services, LLC, a Delaware limited
                     liability company

          r.   I-Net Reinsurance Ltd., a Turks and Caicos company

          s.   International Data Management Corporation, a California
               corporation

          t.   Fidelity National Information Solutions Canada Inc., a Canada
               company

          u.   Geosure, LP, a New York limited partnership (17%)

     2.   Fidelity National Tax Service, Inc. a California corporation ("FNTAX")

          a.   Fidelity National Asset Management Solutions, Inc., a Colorado
               corporation

               i.    RealEC Technologies, Inc., a Delaware corporation (56%)

          b.   Fidelity National Field Services, Inc., a Delaware corporation

          c.   Investment Property Exchange Services, Inc., a California
               corporation

               i.    Chase Vehicle Exchange, Inc., a Delaware corporation

               ii.   Indiana Residential Nominee Services, LLC, an Indiana
                     limited liability company

               iii.  Maine Residential Nominee Services, LLC, a Maine limited
                     liability company

               iv.   Massachusetts Residential Nominee Services, LLC, a
                     Massachusetts limited liability company

               v.    National Residential Nominee Services Inc., a Delaware
                     corporation

               vi.   National Safe Harbor Exchanges, a California corporation

               vii.  Strategic Property Investments, Inc., a Delaware
                     corporation

               viii. Vermont Residential Nominee Services, LLC, a Vermont
                     limited liability company

          d.   LSI Title Company, a California corporation

               i.    Fidelity National Foreclosure Solutions, Inc., a Delaware
                     corporation

                                 Schedule 5.11-6

<PAGE>

                     1.   New Invoice, L.L.C., a Georgia limited liability
                          company

               ii.   Lender's Service Title Agency, Inc., an Ohio corporation

               iii.  LSI Title Company of Oregon, LLC, an Oregon limited
                     liability company

               iv.   LSI Alabama, LLC, an Alabama limited liability company

               v.    LSI Maryland, Inc., a Maryland corporation

               vi.   LSI Title Agency, Inc., an Illinois corporation

                     1.   LSI Appraisal, LLC, a Delaware limited liability
                          company

               vii.  LSI Title Insurance Agency of Utah, Inc., a Utah
                     corporation

               viii. LRT Record Services, Inc., a Texas corporation

               ix.   NCLSIGP, LLC, a Pennsylvania limited liability company

               x.    NCLSI, L.P., a Pennsylvania limited partnership

               xi.   Property Insight, LLC, a California limited liability
                     company

                     1.   APTItude Solutions, Inc., a Florida corporation

          e.   National Title Insurance of New York Inc., a New York corporation

          f.   RealInfo, L.L.C., an Illinois limited liability company (50%)

          g.   Title-Tax, Inc., a California corporation

I.   FNF Capital Leasing, Inc., a Delaware corporation

          a.   FNF Capital, LLC, a California limited liability company

                                 Schedule 5.11-7

<PAGE>

                                  SCHEDULE 7.01

                                 EXISTING LIENS

     Liens in connection with equipment leased pursuant to the Master Lease
Agreement dated September 26, 2001 between Fidelity National Information
Services, Inc. and GATX Technology Services Corporation.

     Liens in connection with equipment leased by Fidelity National Information
Services, Inc. from CIT Technology Financing Services, Inc.

     Liens in connection with equipment leased by Fidelity National Information
Services, Inc. from IBM Credit LLC.

     Liens in connection with vendor purchase money lines of credit for
equipment purchased by Fidelity National Information Services, Inc. from Pitney
Bowes, Inc.

     Liens in connection with vendor purchase money lines of credit (including
but not limited to the purchase money line of credit with IBM for the purchase
of equipment and related property, pursuant to the Agreement for Wholesale
Financing (Credit Agreement), dated December 13, 1999, between Fidelity
Information Services, Inc. and IBM Credit LLC (as amended by an Amendment dated
August 27, 2003)).

     Security interest between Vista Information Solutions, Inc. and Sirrom
Capital Corporation recorded with the U.S. Trademark Office on June 3, 1996
under Reel/Frame 1471/0212.

     Security interest between Vista Information Solutions, Inc. and Moore
Corporation Limited recorded with the USPTO on January 27, 2000 under Reel/Frame
2027/0599.

     Security interest between Lender's Service, Inc. (et al.) and Fleet
National Bank recorded with the U.S. Trademark Office on August 24, 1998 under
Reel/Frame 1774/0822.

     Vista Information Solutions, Inc. is one of several parties (including
Vista DMS, Inc., Vista Environmental Information, Inc., E/Risk Information
Services, Geosure, Inc., Geosure L.P., NRC Insurance Services, Inc., NRC
Acquisition, LLC, Ensite Corporation of Denver, Ecosearch Acquisition, Inc. &
Ecosearch Environmental Resources, Inc.) named in a security agreement with
Moore North America, Inc. and Moore Corporation Ltd. signed on December 17,
1999.

     Aurum Technology, Inc. is party to a security agreement with Fleet National
Bank (Boston) for Copyright Registration Nos. TXu 302-455 and TXu 506-509. It
appears that these registrations may have been acquired by NewTrend, L.P.,
however, no assignment was recorded with the Copyright Office.

                                Schedule 7.01-1

<PAGE>

     Liens in connection with equipment leased by Certegy Check Services, Inc.
from IBM Credit Corporation.

     Liens in connection with equipment leased pursuant to the Master Equipment
Lease Agreement dated May 6, 2003 between Certegy Check Services, Inc. and
Relational, LLC f/k/a Relational Funding Corporation, as assigned to IBM Credit
LLC and Banc of America Leasing & Capital, LLC.

     Liens in connection with accounts purchased pursuant to the Account
Purchase Agreement dated April 16, 2004 between Certegy Check Services, Inc. and
Cavalry SPV I, LLC.

     Liens in connection with accounts purchased pursuant to the Account
Purchase Agreement dated July 17, 2003 between Certegy Check Services, Inc. and
Arrow Financial Services LLC, as assigned to AFS Receivables Master Trust 1999.

     Liens in connection with accounts purchased pursuant to the Account
Purchase Agreement dated April 16, 2004 between Certegy Check Services, Inc. and
Cavalry SPV I, LLC.

     Liens in connection with equipment leased by Certegy Check Services, Inc.
from FNF Capital, LLC.

     Liens in connection with equipment leased by Certegy Payment Recovery
Services, Inc. from IBM Credit LLC.

     Liens in connection with equipment leased by Fidelity National Card
Services, Inc. from Bell & Howell Financing Services Company.

     Liens in connection with equipment leased by Fidelity National Card
Services, Inc. from Oce Financial Services, Inc. and Oce North American, Inc.

     Liens in connection with equipment leased by Fidelity National Card
Services, Inc. from Alfa Financial Corporation dba OFC Capital.

     Liens in connection with equipment leased pursuant to the Master Lease
Agreement between Fidelity National Payment Services, Inc. and Hewlett-Packard
Financial Services, Inc.

     Liens granted in connection with Lease Agreement (Florida Property) dated
December 30, 1999 between SunTrust Bank, Atlanta, as Lessor, and Equifax, Inc.
(predecessor in interest to the Company), as Lessee, and all related documents,
as further set forth in Schedule 7.03.

                                 Schedule 7.01-2

<PAGE>

     Liens granted in connection with Lease Agreement (Wisconsin Property) dated
December 23, 1997 between SunTrust Banks, Inc., as Lessor, and Equifax Inc.
(predecessor in interest to the Company), as Lessee, and all related documents,
as further set forth in Schedule 7.03.

     Under the existing Bank of America facility, liens in various property have
been granted by Borrower and various subsidiaries. The indebtedness secured by
such liens is being repaid with the proceeds of the initial advance under the
credit facility and these liens are being terminated after such repayment.

     Liens identified on attached charts.

                                 Schedule 7.01-3
<PAGE>

                  FIDELITY NATIONAL INFORMATION SERVICES, INC.

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Georgia Cooperative       SunTrust Banks, Inc.   060-2001-13144   07/18/01    Real property, including
-Fulton County - UCC                                                          fixtures, in regard to
Liens                                                                         certain leased property in
                                                                              Madison, Wisconsin
Georgia Cooperative       SunTrust Bank, as      060-2001-13145   07/18/01    Real property, including
-Fulton County - UCC      Agent Prefco VI                                     fixtures, in regard to
Liens                     Limited                                             certain leased property in
                          Partnership                                         St. Petersburg, Florida
Georgia Cooperative       GAXT Technology        060-2002-01741   02/04/02    Leased equipment
-Fulton County - UCC      Services Corporation
Liens
Georgia Cooperative       CIT Technology         007-2003-003553  03/31/03    Leased equipment
-Barrow County - UCC      Financing Services,
Liens                     Inc.
Georgia Cooperative       IBM Credit LLC         007-2003-011217  10/07/03    Leased computer equipment
-Barrow County - UCC
Liens
Georgia Cooperative       Pitney Bowes Credit    007-2003-012213  10/30/03    All equipment financed by
-Barrow County - UCC      Corporation                                         Pitney Bowes, Inc. and/or
Liens                                                                         its subsidiaries
Georgia Cooperative       IBM Credit LLC         007-2003-012483  11/04/03    Leased computer equipment
-Barrow County - UCC
Liens
Georgia Cooperative       IBM Credit LLC         007-2003-013251  11/21/03    Leased computer equipment
-Barrow County - UCC
Liens
Georgia Cooperative       IBM Credit LLC         007-2003-014749  12/31/03    Leased computer equipment
-Barrow County - UCC
Liens
Georgia Cooperative       IBM Credit LLC         007-2004-000422  01/12/04    Leased computer equipment
-Barrow County - UCC
Liens
Georgia Cooperative       IBM Credit LLC         007-2004-000650  01/20/04    Leased computer equipment
-Barrow County - UCC
Liens
</TABLE>

                                 Schedule 7.01-4

<PAGE>

            FIDELITY NATIONAL INFORMATION SERVICES, INC. (CONTINUED)

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Georgia Cooperative       IBM Credit LLC         007-2004-001990  02/20/04    Leased computer equipment
-Barrow County - UCC
Liens
Georgia Cooperative       Pitney Bowes Credit    060-2004-02972   03/05/04    All equipment financed by
-Fulton County - UCC      Corporation                                         Pitney Bowes, Inc. and/or
Liens                                                                         its subsidiaries
Georgia Cooperative       IBM Credit LLC         007-2004-003430  03/22/04    Leased computer equipment
-Barrow County - UCC
Liens
Georgia Cooperative       IBM Credit LLC         007-2004-005642  05/03/04    Leased computer equipment
-Barrow County - UCC
Liens
Georgia Cooperative       CIT Technology         007-2004-006782  05/26/04    Leased computer equipment
-Barrow County - UCC      Financing Services,
Liens                     Inc.
Georgia Cooperative       IBM Credit LLC         007-2004-007682  06/11/04    Leased computer equipment
-Barrow County - UCC
Liens
Georgia Cooperative       CIT Technology         007-2004-008509  06/29/04    Leased computer equipment
-Barrow County - UCC      Financing Services,
Liens                     Inc.
Georgia Cooperative       CIT Technology         007-2004-009848  07/27/04    Leased computer equipment
-Barrow County - UCC      Financing Services,
Liens                     Inc.
Georgia Cooperative       CIT Technology         007-2004-009849  07/27/04    Leased computer equipment
-Barrow County - UCC      Financing Services,
Liens                     Inc.
Georgia Cooperative       IBM Credit LLC         007-2004-011022  08/18/04    Leased computer equipment
-Barrow County - UCC
Liens
Georgia Cooperative       IBM Credit LLC         007-2004-013358  10/04/04    Leased computer equipment
-Barrow County - UCC
Liens
Georgia Cooperative       IBM Credit LLC         007-2004-013698  10/08/04    Leased computer equipment
-Barrow County - UCC
Liens
</TABLE>

                                 Schedule 7.01-5

<PAGE>

            FIDELITY NATIONAL INFORMATION SERVICES, INC. (CONTINUED)

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Georgia Cooperative       IBM Credit LLC         007-2004-016140  11/23/04    Leased computer equipment
-Barrow County - UCC
Liens
Georgia Cooperative       IBM Credit LLC         007-2005-000246  01/04/05    Leased computer equipment
-Barrow County - UCC
Liens
Georgia Cooperative       CIT Technology         007-2005-001472  01/31/05    Leased computer equipment
-Barrow County - UCC      Financing Services,
Liens                     Inc.
Georgia Cooperative       IBM Credit LLC         007-2005-001750  02/03/05    Leased computer equipment
-Barrow County - UCC
Liens
Georgia Cooperative       IBM Credit LLC         007-2005-003809  03/11/05    Leased computer equipment
-Barrow County - UCC
Liens
Georgia Cooperative       CIT Technology         007-2005-004802  03/30/05    Leased computer equipment
-Barrow County - UCC      Financing Services,
Liens                     Inc.
Georgia Cooperative       CIT Technology         007-2005-004975  04/01/05    Leased computer equipment
-Barrow County - UCC      Financing Services,
Liens                     Inc.
Georgia Cooperative       IBM Credit LLC         007-2005-005026  04/04/05    Leased computer equipment
-Barrow County - UCC
Liens
Georgia Cooperative       IBM Credit LLC         007-2005-005127  04/05/05    Leased computer equipment
-Barrow County - UCC
Liens
Georgia Cooperative       IBM Credit LLC         007-2005-009233  06/20/05    Leased computer equipment
-Barrow County - UCC
Liens
Georgia Cooperative       CIT Technology         007-2005-009418  06/23/05    Leased computer equipment
-Barrow County - UCC      Financing Services,
Liens                     Inc.
Georgia Cooperative       CIT Technology         007-2005-010965  07/22/05    Leased computer equipment
-Barrow County - UCC      Financing Services,
Liens                     Inc.
</TABLE>

                                 Schedule 7.01-6

<PAGE>

            FIDELITY NATIONAL INFORMATION SERVICES, INC. (CONTINUED)

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Georgia Cooperative       CIT Technology         007-2005-012565  08/23/05    Leased computer equipment
-Barrow County - UCC      Financing Services,
Liens                     Inc.
Georgia Cooperative       IBM Credit LLC         007-2005-015102  10/06/05    Leased computer equipment
-Barrow County - UCC
Liens
Georgia Cooperative       IBM Credit LLC         007-2005-015860  10/24/05    Leased computer equipment
-Barrow County - UCC
Liens
Georgia - Central Index   Banc of America        06706001573      02/15/06    Leased aircraft             Note: As further
                          Leasing & Capital,                                                              set forth in
                          LLC                                                                             Schedule 7.03.
Georgia - Central Index   Banc of America        06706001574      02/15/06    Leased aircraft             Amendment filed
                          Leasing & Capital,                                                              11/30/06, file
                          LLC                                                                             number
                                                                                                          06706012097,
                                                                                                          deleting as
                                                                                                          co-debtor Fidelity
                                                                                                          National
                                                                                                          Financial, Inc.
                                                                                                          Note: As further
                                                                                                          set forth in
                                                                                                          Schedule 7.03.
Georgia - Central Index   Bank of America,       06706001575      02/15/06    Leased aircraft             Note: As further
                          N.A.                                                                            set forth in
                                                                                                          Schedule 7.03.
Georgia - Central Index   FNF Capital, LLC       06006008194      07/03/06    Leased equipment
Georgia - Central Index   FNF Capital, LLC       06006010469      08/21/06    Leased equipment
Georgia - Central Index   CIT Technology         00706015323      08/25/06    Leased equipment
                          Financing Services,
                          Inc.
Georgia - Central Index   CIT Technology         00706017369      09/26/06    Leased equipment
                          Financing Services,
                          Inc.
Georgia - Central Index   FNF Capital, LLC       06006012354      10/06/06    Leased equipment
Georgia - Central Index   FNF Capital, LLC       06706010712      10/20/06    Leased equipment            Assignment filed
                                                                                                          11/08/06, file
                                                                                                          number
                                                                                                          06706011366, to
                                                                                                          Fifth Third Bank
Georgia - Central Index   FNF Capital, LLC       06706010713      10/20/06    Leased equipment            Assignment filed
                                                                                                          11/08/06, file
                                                                                                          number
                                                                                                          06706011368, to
                                                                                                          Fifth Third Bank
</TABLE>

                                 Schedule 7.01-7

<PAGE>

            FIDELITY NATIONAL INFORMATION SERVICES, INC. (CONTINUED)

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Georgia - Central Index   FNF Capital, LLC       06706010730      10/20/06    Leased equipment            Assignment filed
                                                                                                          11/08/06, file
                                                                                                          number
                                                                                                          06706011367, to
                                                                                                          Fifth Third Bank
Georgia - Central Index   FNF Capital, LLC       06006013233      10/26/06    Leased equipment
Georgia - Central Index   FNF Capital, LLC       06006013235      10/27/06    Leased equipment
Georgia - Central Index   FNF Capital, LLC       06006013236      10/27/06    Leased equipment
Georgia - Central Index   FNF Capital, LLC       06006013237      10/27/06    Leased equipment
Georgia - Central Index   FNF Capital, LLC       06706011228      11/03/06    Leased equipment            Assignment filed
                                                                                                          11/16/06, file
                                                                                                          number
                                                                                                          06706011726, to
                                                                                                          Fifth Third Bank
Georgia - Central Index   FNF Capital, LLC       06706011242      11/03/06    Leased equipment            Assignment filed
                                                                                                          11/16/06, file
                                                                                                          number
                                                                                                          06706011724, to
                                                                                                          Fifth Third Bank
Georgia - Central Index   FNF Capital, LLC       06706011256      11/03/06    Leased equipment            Assignment filed
                                                                                                          11/16/06, file
                                                                                                          number
                                                                                                          06706011725, to
                                                                                                          Fifth Third Bank
Georgia - Central Index   FNF Capital, LLC       06006014029      11/15/06    Leased equipment
Georgia - Central Index   FNF Capital, LLC       06006014030      11/15/06    Leased equipment
Georgia - Central Index   FNF Capital, LLC       06706011916      11/22/06    Leased equipment
Georgia - Central Index   FNF Capital, LLC       06006014480      11/28/06    Leased equipment
Georgia - Central Index   FNF Capital, LLC       06006014987      12/11/06    Leased equipment
Georgia - Central Index   FNF Capital, LLC       06006014988      12/11/06    Leased equipment
</TABLE>

                                 Schedule 7.01-8

<PAGE>

                              AURUM TECHNOLOGY INC.

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Texas Secretary of State  Bankers/Softech        00-643254        12/14/00    Leased hardware             Continued 7/25/05
                          Divisions of EAB
                          Leasing Corp.
Texas Secretary of State  Bankers/Softech        00-643257        12/14/00    Leased hardware             Continued 7/25/05
                          Divisions of EAB
                          Leasing Corp.
Texas Secretary of State  BCL Capital            01-027886        02/12/01    Leased fax machines
Texas Secretary of State  Bankers/Softech        02-0031882185    05/30/02    Leased equipment
                          Divisions of EAB
                          Leasing Corp.
Texas Secretary of State  Xerox Capital          04-0053716713    01/12/04    Leased equipment
                          Services LLC
Texas Secretary of State  Xerox Capital          04-0053999241    01/14/04    Leased equipment
                          Services LLC
Delaware Secretary of     IBM Credit             20839575         04/04/02    Leased equipment            Amendment #21083488
State - UCC Liens         Corporation                                                                     filed 05/01/02 for
                                                                                                          total assignment
Delaware Secretary of     Janna Carson           21562341         05/28/02    Leased equipment
State - UCC Liens
Delaware Secretary of     IBM Credit             21637770         06/03/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IBM Credit             21663537         06/06/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IBM Credit             21681752         06/10/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IBM Credit             21839442         06/28/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IBM Credit             21882582         07/03/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IBM Credit             21954654         07/17/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IBM Credit             22070963         08/09/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     Softech/Bankers        22072696         08/12/02    General intangibles and
State - UCC Liens         Division of EAB                                     property
                          Leasing Corp.
</TABLE>

                                 Schedule 7.01-9

<PAGE>

                        AURUM TECHNOLOGY INC. (CONTINUED)

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Delaware Secretary of     Softech/Bankers        22079576         08/13/02    Leased goods
State - UCC Liens         Division of EAB
                          Leasing Corp.
Delaware Secretary of     IBM Credit             22102063         08/15/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IBM Credit             22154742         08/20/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     Key Equipment Finance  22178683         08/23/02    Leased equipment
State - UCC Liens
Delaware Secretary of     IBM Credit             22234270         08/30/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IBM Credit             22263865         09/03/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IBM Credit             22271017         09/04/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IBM Credit             22325797         09/11/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IBM Credit             22341786         09/12/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IBM Credit             22507204         09/27/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IBM Credit             22534729         10/01/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IBM Credit             22553877         10/04/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IBM Credit             22643017         10/09/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IBM Credit             22665044         10/11/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IBM Credit             22680811         10/15/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IBM Credit             22707945         10/16/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
</TABLE>

                                Schedule 7.01-10

<PAGE>

                        AURUM TECHNOLOGY INC. (CONTINUED)

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Delaware Secretary of     IBM Credit             22729253         10/18/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IBM Credit             22863920         10/31/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IBM Credit             22901548         11/06/02    Computer equipment and
State - UCC Liens         Corporation                                         related software
Delaware Secretary of     IOS Capital, LLC       30208861         01/24/03    Leased equipment
State - UCC Liens
Delaware Secretary of     IOS Capital, LLC       30208978         01/24/03    Leased equipment
State - UCC Liens
Delaware Secretary of     IOS Capital, LLC       30344880         02/07/03    Leased equipment
State - UCC Liens
Delaware Secretary of     IOS Capital, LLC       30345028         02/07/03    Leased equipment
State - UCC Liens
Delaware Secretary of     IOS Capital, LLC       30406804         02/17/03    Leased equipment
State - UCC Liens
Delaware Secretary of     IBM Credit LLC         30903123         04/07/03    Leased equipment
State - UCC Liens
Delaware Secretary of     CitiCapital            31967143         07/08/03    Leased equipment
State - UCC Liens         Technology Finance,
                          Inc.
Delaware Secretary of     Dynamic Funding Inc.   32634312         10/09/03    Leased equipment
State - UCC Liens
Delaware Secretary of     Merrill Lynch          32830787         10/28/03    Leased equipment
State - UCC Liens         Capital
Delaware Secretary of     Merrill Lynch          33333849         12/17/03    Leased property             Amendment #40074619
State - UCC Liens         Capital                                                                         filed 01/12/04;
                                                                                                          Amendment #40083693
                                                                                                          filed 01/12/04;
                                                                                                          Amendment #40103632
                                                                                                          filed 01/14/04; and
                                                                                                          Amendment #41269333
                                                                                                          filed 04/23/04
Delaware Secretary of     Merrill Lynch          33373589         12/19/03    Leased property             Amendment #40141137
State - UCC Liens         Capital                                                                         filed 01/16/04 and
                                                                                                          Amendment #40141152
                                                                                                          filed 01/16/04
</TABLE>

                                Schedule 7.01-11

<PAGE>

                        AURUM TECHNOLOGY INC. (CONTINUED)

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Delaware Secretary of     IOS Capital            40532608         02/17/04    Leased equipment
State - UCC Liens
Delaware Secretary of     Key Equipment          51866319         06/17/05    Continuation filing         Amendment #51866350
State - UCC Liens         Finance Inc.                                                                    filed 06/17/05 and
                                                                                                          Amendment #51866392
                                                                                                          filed 06/17/05
</TABLE>

                                Schedule 7.01-12

<PAGE>

                          CERTEGY CHECK SERVICES, INC.

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Delaware Secretary of     IBM Credit             30141567         12/27/02    Leased equipment
State - UCC Liens         Corporation
Delaware Secretary of     Relational Funding     32347790         09/11/03    Goods leased pursuant to    Partial Release #
State - UCC Liens         Corporation                                         Master Lease Agreement      43587005 filed on
                                                                                                          12/14/04 assigning
                                                                                                          to Banc of America
                                                                                                          Leasing & Capital,
                                                                                                          LLC; Partial
                                                                                                          Release # 51620815
                                                                                                          filed on 05/19/05
                                                                                                          assigning to IBM
                                                                                                          Credit LLC;
                                                                                                          Assignment #
                                                                                                          53734663 filed on
                                                                                                          11/28/05 assigning
                                                                                                          to IBM Credit LLC;
                                                                                                          Assignment
                                                                                                          #61861863 filed on
                                                                                                          05/30/06 assigning
                                                                                                          to Banc of America
                                                                                                          Leasing & Capital,
                                                                                                          LLC
Delaware Secretary of     Cavalry SPV I, LLC     40968364         04/06/04    Accounts purchased
State - UCC Liens                                                             pursuant to Account
                                                                              Purchase Agreement
Delaware Secretary of     Arrow Financial        50787789         03/11/05    Accounts purchased
State - UCC Liens         Services LLC                                        pursuant to Account
                                                                              Purchase Agreement
Delaware Secretary of     FNF Capital, LLC       53692481         11/22/05    Leased computer equipment   Assignment
State - UCC Liens                                                                                         #54021292 filed on
                                                                                                          12/27/05 to Banc
                                                                                                          of America Leasing
                                                                                                          & Capital LLC
Delaware Secretary of     FNF Capital, LLC       53692507         11/22/05    Leased computer equipment
State - UCC Liens
Delaware Secretary of     Cavalry                60236695         01/20/06    Accounts purchased
State - UCC Liens         Investments, LLC                                    pursuant to Account
                                                                              Purchase Agreement
Delaware Secretary of     FNF Capital, LLC       61986181         06/12/06    Leased equipment            Amendment
State - UCC Liens                                                                                         #62010643 filed on
                                                                                                          06/13/06 changing
                                                                                                          name of FNF
                                                                                                          Capital to
                                                                                                          Fidelity National
                                                                                                          Information
                                                                                                          Services;
                                                                                                          Assignment
                                                                                                          #62094902 filed on
                                                                                                          06/14/06 assigning
                                                                                                          to Banc of America
                                                                                                          Leasing & Capital,
                                                                                                          LLC
Delaware Secretary of     Cavalry                62292902         07/03/06    Accounts purchased
State - UCC Liens         Investments, LLC                                    pursuant to Account
                                                                              Purchase Agreement
</TABLE>

                                Schedule 7.01-13

<PAGE>

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Delaware Secretary of     FNF Capital, LLC       64073573         11/03/06    Leased computer equipment
State - UCC Liens
Delaware Secretary of     FNF Capital, LLC       20070015643      12/26/06    Leased computer equipment
State - UCC Liens
Delaware Secretary of     FNF Capital, LLC       20070015734      12/26/06    Leased computer equipment
State - UCC Liens
</TABLE>

                                Schedule 7.01-14

<PAGE>

                     CERTEGY PAYMENT RECOVERY SERVICES, INC.

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Georgia Cooperative -     IBM Credit LLC         007-2004-016808  12/09/04    Leased computer equipment
Barrow County - UCC
Liens
</TABLE>

                                Schedule 7.01-15

<PAGE>

                       FIDELITY INFORMATION SERVICES, INC.

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Arkansas Secretary of     Fleet Capital          00-01222876      01/03/2000  Equipment Schedule No. 8    Amendment #03-
State - UCC Liens         Corporation,                                        of computer equipment to    12493136 filed
                          successor by merger                                 Master Lease Agreement      04/07/2003
                          to BancBoston                                                                   changing Secured
                          Leasing, Inc.                                                                   Party name;
                                                                                                          Amendment #03-
                                                                                                          12518147 filed
                                                                                                          06/16/2003
                                                                                                          changing Debtor
                                                                                                          name; Continuation
                                                                                                          #04-12640225 filed
                                                                                                          07/16/2004
Arkansas Secretary of     Fleet Capital          03-01249312611   04/07/2003  Equipment described as      Amendment
State - UCC Liens         Corporation,                                        various computers, retail   #03-12518145 filed
                          successor-by-merger                                 and furnishings equipment   06/16/2003
                          to BancBoston                                       to Master Lease Agreement   changing Debtor
                          Leasing, Inc.                                                                   name
Arkansas Secretary of     IBM Credit LLC         03-1253400199    08/01/2003  Computer equipment
State - UCC Liens
Arkansas Secretary of     IBM Corporation        04-1255521186    10/10/2003  Computer equipment and
State - UCC Liens                                                             software
Arkansas Secretary of     Minolta Business       04-1255916609    10/24/2003  Leased equipment
State - UCC Liens         Solutions
Arkansas Secretary of     IBM Credit LLC         04-1257383942    12/18/2003  Computer equipment and
State - UCC Liens                                                             related software
Arkansas Secretary of     IBM Credit LLC         04-1257671841    12/31/2003  Computer equipment and
State - UCC Liens                                                             related software
Arkansas Secretary of     IBM Credit LLC         04-1258900150    02/11/2004  Computer equipment and
State - UCC Liens                                                             related software
Arkansas Secretary of     IBM Credit LLC         04-1260763069    04/07/2004  Computer equipment and
State - UCC Liens                                                             related software
Arkansas Secretary of     Unisys Corporation     05-1266916319    10/22/2004  Computer equipment and
State - UCC Liens                                                             related items
Arkansas Secretary of     IBM Credit LLC         06-1270528809    02/28/05    Computer equipment and
State - UCC Liens                                                             related software
</TABLE>

                                Schedule 7.01-16

<PAGE>

                      FIDELITY NATIONAL CARD SERVICES, INC.

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Florida-Secured           Bell & Howell          200100155043-9   07/16/01    Leased equipment
Transaction Registry -    Financial Services
UCC Liens                 Company
Florida-Secured           Oce Financial          200405971158     01/22/04    Leased equipment
Transaction Registry -    Services, Inc.
UCC Liens
Florida-Secured           Oce Financial          200406320207     03/05/04    Leased equipment
Transaction Registry -    Services, Inc.
UCC Liens                 Oce North America,
                          Inc.
Florida-Secured           Oce Financial          200406356740     03/10/04    Leased equipment
Transaction Registry -    Services, Inc.
UCC Liens                 Oce North America,
                          Inc.
Florida-Secured           Alfa Financial         200406580594     04/06/04    Leased equipment
Transaction Registry -    Corporation dba OFC
UCC Liens                 Capital
Florida-Secured           Oce North America,     200407831787     09/08/04    Leased equipment
Transaction Registry -    Inc.
UCC Liens
Florida-Secured           Oce Financial          200407973875     09/29/04    Leased equipment
Transaction Registry -    Services, Inc.
UCC Liens                 Oce North America,
                          Inc.
Florida-Secured           Oce Financial          200508903589     02/04/05    Leased equipment
Transaction Registry -    Services, Inc.
UCC Liens
Florida-Secured           Oce North America,     200509764779     05/24/05    Leased equipment
Transaction Registry -    Inc.
UCC Liens
</TABLE>

                                Schedule 7.01-17

<PAGE>

                  FIDELITY NATIONAL INFORMATION SOLUTIONS, INC.

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Delaware Secretary of     EMC Corporation        20280721         01/07/2002  (1) Symmetrix 8430-73
State - UCC Liens                                                             (48) 8031-73M1
                                                                              (2)DP3-FCD2
                                                                              (2) DP3-USD4H
                                                                              (1) MEM3-8192
Delaware Secretary of     De Lage Landen         21693559         06/10/2002  Leased Computer Equipment   Amendment
State - UCC Liens         Financial Services,                                                             #40640674 filed on
                          Inc.                                                                            03/05/2004
                                                                                                          amending Debtor's
                                                                                                          name; Amendment
                                                                                                          #41005489 filed on
                                                                                                          04/08/2004
                                                                                                          amending Debtor's
                                                                                                          name
Delaware Secretary of     De Lage Landen         21693567         06/10/2002  Leased Computer Equipment   Amendment
State - UCC Liens         Financial Services,                                                             #40640633 filed on
                          Inc                                                                             03/05/2004
                                                                                                          amending Debtor's
                                                                                                          name; Amendment
                                                                                                          #41005471 filed on
                                                                                                          04/08/2004
                                                                                                          amending Debtor's
                                                                                                          name
Delaware Secretary of     De Lage Landen         22990376         11/15/2002  Computer Equipment
State - UCC Liens         Financial Services,
                          Inc.
Delaware Secretary of     De Lage Landen         31529257         06/17/2003  Computer Equipment
State - UCC Liens         Financial Services,
                          Inc.
Delaware Secretary of     De Lage Landen         31529661         06/17/2003  Computer Equipment
State - UCC Liens         Financial Services,
                          Inc.
Delaware Secretary of     De Lage Landen         32989112         11/13/2003  Computer Equipment
State - UCC Liens         Financial Services,
                          Inc.
</TABLE>

                                Schedule 7.01-18

<PAGE>

                    FIDELITY NATIONAL PAYMENT SERVICES, INC.

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Delaware Secretary of     Hewlett-Packard        32308982         09/08/03    All computer equipment
State - UCC Liens         Financial Services,                                 leased pursuant to Master
                          Inc.                                                Lease Agreement
</TABLE>

                                Schedule 7.01-19

<PAGE>

                             FNIS FLOOD SERVICES, LP

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Delaware Secretary of     AT&T Capital           63973682         11/14/2006  Telecommunications and
State - UCC Liens         Services, Inc.                                      data equipment
</TABLE>

                                Schedule 7.01-20

<PAGE>

                                 INTERCEPT, INC.

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Georgia Cooperative-      IOS Capital, LLC       2003008567       08/13/2003  Leased equipment
Gwinnett County - UCC
Liens
Georgia Cooperative-      Key Equipment          2002013110       12/31/2002  Leased equipment
Gwinnett County - UCC     Finance
Liens
Georgia Cooperative-      IBM Credit LLC         2003007918       07/21/2003  Leased equipment and
Gwinnett County - UCC                                                         software
Liens
Georgia Cooperative-      IBM Credit LLC         2003007989       07/22/2003  Leased equipment and
Gwinnett County - UCC                                                         software
Liens
Georgia Cooperative-      Bell & Howell          2003008847       08/11/2003  Leased equipment            Amendments, file #
Gwinnett County - UCC     Financial Services                                                              2003014598 filed
Liens                     Company                                                                         12/24/2003 adding
                                                                                                          collateral
Georgia Cooperative-      Bell & Howell          2003008851       08/11/2003  Leased equipment            Amendments, file #
Gwinnett County - UCC     Financial Services                                                              2004000261 filed
Liens                     Company                                                                         1/17/2004
                                                                                                          restating
                                                                                                          collateral
                                                                                                          description
Georgia Cooperative-      Bell & Howell          2003008852       08/11/2003  Leased equipment
Gwinnett County - UCC     Financial Services
Liens                     Company
Georgia Cooperative-      Forum Financial        2002009694       09/19/2002  Leased equipment
Gwinnett County - UCC     Services, Inc.
Liens
Georgia Cooperative-      General Electric       2003010686       10/08/2003  Leased equipment
Gwinnett County - UCC     Capital Corporation
Liens
Georgia Cooperative-      General Electric       2003010687       10/08/2003  Leased equipment
Gwinnett County - UCC     Capital Corporation
Liens
Georgia Cooperative-      IOS Capital            2003010729       10/09/2003  Leased equipment
Gwinnett County - UCC
Liens
</TABLE>

                                Schedule 7.01-21

<PAGE>

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Georgia Cooperative-      IOS Capital            2003010830       10/13/2003  Leased equipment
Gwinnett County - UCC
Liens
Georgia Cooperative-      IOS Capital            2003010831       10/13/2003  Leased equipment
Gwinnett County - UCC
Liens
Georgia Cooperative-      General Electric       2003010921       10/15/2003  Leased equipment
Gwinnett County - UCC     Capital Corporation
Liens
Georgia Cooperative-      General Electric       2003010995       10/16/2003  Leased equipment
Gwinnett County - UCC     Capital Corporation
Liens
Georgia Cooperative-      IBM Credit LLC         2004003230       03/17/2004  Leased equipment and
Gwinnett County - UCC                                                         software
Liens
Georgia Cooperative-      BBH Financial          2004010560       08/09/2004  Leased equipment
Gwinnett County - UCC     Services Company
Liens
Georgia Cooperative-      IBM Credit LLC         2004012396       09/15/2004  Leased equipment and
Gwinnett County - UCC                                                         software
Liens
Georgia Cooperative-      IOS Capital            2003012185       11/18/2003  Leased equipment
Gwinnett County - UCC
Liens
Georgia Cooperative-      IOS Capital            2003013262       12/16/2003  Leased equipment
Gwinnett County - UCC
Liens
Georgia Cooperative-      IOS Capital            2004001611       02/17/2004  Leased equipment
Gwinnett County - UCC
Liens
Georgia Cooperative-      IOS Capital            2004001687       02/18/2004  Leased equipment
Gwinnett County - UCC
Liens
Georgia Cooperative-      IOS Capital            2004006473       06/29/2004  Leased equipment
Gwinnett County - UCC
Liens
</TABLE>

                                Schedule 7.01-22

<PAGE>

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Georgia Cooperative-      General Electric       2004006744       07/06/2004  Leased equipment
Gwinnett County - UCC     Capital Corporation
Liens
Georgia Cooperative-      General Electric       2004006745       07/06/2004  Leased equipment
Gwinnett County - UCC     Capital Corporation
Liens
Georgia Cooperative-      IOS Capital            2004007758       07/30/2004  Leased equipment
Gwinnett County - UCC
Liens
Georgia Cooperative-      IOS Capital            2004008682       08/24/2004  Leased equipment
Gwinnett County - UCC
Liens
Georgia Cooperative-      IOS Capital            2004009871       10/01/2004  Leased equipment
Gwinnett County - UCC
Liens
Georgia Cooperative-      IOS Capital            2004010394       10/18/2004  Leased equipment
Gwinnett County - UCC
Liens
</TABLE>

                                Schedule 7.01-23

<PAGE>

                   INVESTMENT PROPERTY EXCHANGE SERVICES, INC.

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
California Secretary      BWC Equipment          0106160186       02/27/01    Leased Furniture
of State - UCC Liens      Leasing
California Secretary      BWC Equipment          0113760270       05/14/01    Leased Furniture
of State - UCC Liens      Leasing
California Secretary      Liberty Associates,    0113860054       05/17/01    All Debtor's interest in
of State - UCC Liens      L.P.                                                and to the Exchange
                                                                              Amount, created under
                                                                              that certain Agreement
                                                                              for Exchange of Real
                                                                              Property
</TABLE>

                                Schedule 7.01-24

<PAGE>

                               LSI APPRAISAL, LLC

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Massachusetts             De Lage Landen         200102281 310    05/14/01    Equipment located at 105
Secretary of the          Financial Services,                                 South Street, Hopkinton,
Commonwealth - UCC        Inc.                                                MA 01748
Liens
Massachusetts             De Lage Landen         200208331 270    01/15/02    Equipment located at 37
Secretary of the          Financial Services                                  Birch Street, Milford, MA
Commonwealth - UCC        Corporation                                         01757
Liens
</TABLE>

                                Schedule 7.01-25

<PAGE>

                              PROPERTY INSIGHT, LLC

<TABLE>
<CAPTION>
                                                                    FILING        SUMMARY COLLATERAL
      JURISDICTION            SECURED PARTY        FILE NUMBER       DATE             DESCRIPTION          ADDITIONAL FILINGS
------------------------  ---------------------  ---------------  ----------  --------------------------  -------------------
<S>                       <C>                    <C>              <C>         <C>                         <C>
Arizona Secretary of      US Bancorp             200312711 398    07/22/03    Leased printer and copier
State - UCC Liens
</TABLE>

                                Schedule 7.01-26
<PAGE>

                                  SCHEDULE 7.02

                              EXISTING INVESTMENTS

     Investments as follows:

1.   Ownership by the Consolidated Companies of 29% of the outstanding equity
     interests in Covansys Corporation.

2.   Ownership by the Consolidated Companies of 39% of the outstanding equity
     interests in FNRES Holdings, Inc.

3.   Ownership by the Consolidated Companies of 30% of the outstanding equity
     interests in Profile Partners, GP, LP.

4.   Ownership by the Consolidated Companies of 34% of the outstanding equity
     interests in PVP Management, LLC.

5.   Ownership by the Consolidated Companies of 20% of the outstanding equity
     interests in Sanchez Capital Services Private Limited.

6.   Contemplated investment by Fidelity Information Services, Inc. into
     Fidelity Information Services International Holdings, C.V. and related
     contemplated acquisition of Transworld ICT Solutions PVT Limited by
     Fidelity Business Solutions India Private Limited. The contemplated initial
     investment amount totals approximately $1 million.

7.   The Brazilian Joint Venture, as more particularly described in the
     following related documents (together with the Development Notes, Migration
     Notes and Volume Notes referenced therein):

     A.   Common Terms Agreement (Contrato de Termos Comuns), dated March 24,
          2006.

     B.   Investment Agreement (Contrato de Investimento), dated March 27, 2006.

     C.   Guaranty Agreement among Fidelity National Information Services, Inc.,
          Banco Bradesco S.A. and Banco ABN AMRO Real S.A., dated April 18,
          2006.

     D.   Redemption Letter from Holdco One S.A. to Uniao Paticipacoes Ltda and
          Banco ABN Amro Real S.A., dated April 18, 2006.

     E.   Tax Indemnity Letter, dated March 27, 2006.

     F.   Amended and Restated Software License Agreement, Dated March 27, 2006.

                                 Schedule 7.02-1

<PAGE>

     G.   Contingent Software License Agreement, dated April 18, 2006.

     H.   Non-Competition Agreement, dated April 18, 2006.

     I.   Shareholders' Agreement of Celta Holdings S.A., dated April 18, 2006.

     J.   Shareholders' Agreement of Fidelity Processadora e Servicos S.A. (form
          attached to the Investment Agreement).

8.   CAD 35,000,000 Revolving Promissory Note, dated July 3, 2002, made by FNIS
     Canada Inc. payable to Sanchez Software, Ltd.

9.   Guaranties by various restricted companies of the capital leases listed on
     Schedule 7.03.

10.  $1,000,000 Promissory Note issued by ICUL Service Corporation to Fidelity
     National Card Services, Inc.

11.  Various investments by Domestic Subsidiaries in Foreign Subsidiaries, as
     set forth on attached chart entitled "Certain Foreign Investments as of
     11/30/06".

12.  Various holdings of bonds, as set forth on attached chart entitled
     "Portfolio Holdings Report", with aggregate market value of $9,742,052.05.

                                 Schedule 7.02-2

<PAGE>

                   CERTAIN FOREIGN INVESTMENTS AS OF 11/30/06
               ALL AMOUNTS IN US DOLLARS EQUIVALENT AS OF 11/30/06

<TABLE>
<CAPTION>
        DOMESTIC SUBSIDIARY                                                                            EQUITY        DEBT
       MAINTAINING INVESTMENT               FOREIGN SUBSIDIARY IN WHICH INVESTMENT MAINTAINED       INVESTMENTS*   INVESTMENT*
-------------------------------------   ------------------- -------------------------------------   ------------   -----------
<S>                                     <C>                                                         <C>            <C>
Fidelity National Europe LLC            Certegy International Investments C.V., a Netherlands
                                        company                                                     323,677,404     60,279,163
Fidelity National Card Services, Inc.   Certegy Card Services (Thailand) Co., Ltd., a Thailand
                                        company                                                         215,271        531,548
Card Brazil Holdings, Inc.              AGES Participacoes Ltda., a Brazil company                  112,232,168        490,895
Payment South America Holdings, Inc.    Certegy Card Services Caribbean, Ltd., a Barbados company     7,226,326        160,719
Payment South America Holdings, Inc.    Payment Brasil Holdings Ltda., a Brazil company              75,172,482             --
Payment South America Holdings, Inc.    Payment Chile S.A., a Chile company                          14,219,402             --
Fidelity Information Services, Inc.     Fidelity Information Services (Thailand) Limited, a Thai
                                        company (99.9%)                                              26,949,779             --
Fidelity Information Services           Fidelity Information Services Limited, a United Kingdom
International Holdings, Inc.            company                                                       4,369,372             --
Fidelity Information Services           ALLTEL Servicos de Informacion (Costa Rica) S.A., a Costa
International Holdings, Inc.            Rica company                                                     10,120              1
Fidelity Information Services           Fidelity Information Services (Germany) GmbH, a Germany
International Holdings, Inc.            company                                                         192,494         36,684
Fidelity Information Services           Fidelity Information Services Canada Limited (Canada), a
International Holdings, Inc.            Canada company                                                3,398,358             --
Fidelity Information Services           Fidelity Information Services (New Zealand) Limited, a
International Holdings, Inc.            New Zealand company                                              44,627             --
Fidelity Information Services           Fidelity Information Services Taiwan Company Limited, a
International Holdings, Inc.            Taiwan company                                                  119,077         36,766
Fidelity Information Services, Inc.     Fidelity Information Services International Holdings,
                                        C.V., (FISHI-Netherlands) a Netherlands company             191,633,504             --
Fidelity Information Services, Inc.     Fidelity National Information Services (Netherlands)
                                        B.V., a Netherlands company                                      25,148             --
Fidelity National Information           I-Net Reinsurance Ltd., a Turks and Caicos company
Solutions, Inc.                                                                                       7,021,268        552,577
Fidelity National Information           Fidelity National Information Solutions Canada Inc., a
Solutions, Inc.                         Canada company                                                7,443,095             --
</TABLE>

----------
*    Internal book value of investment as of November 30, 2006.

                                 Schedule 7.02-3

<PAGE>

                                  SCHEDULE 7.03

                              EXISTING INDEBTEDNESS

1.   Any outstanding amounts under vendor purchase money lines of credit
     (including but not limited to, purchase money line of credit with IBM for
     the purchase of equipment and related property, pursuant to the Agreement
     for Wholesale Financing (Credit Agreement), dated December 13, 1999,
     between Fidelity Information Services, Inc. and IBM Credit LLC (as amended
     by an Amendment dated August 27, 2003)).

2.   Indenture dated as of September 10, 2003, between Certegy Inc. and SunTrust
     Bank, as the same has been amended, supplemented or otherwise modified,
     regarding the issuance of $200 million in 4.75% Notes due 2008.

3.   Lease Documentation for St. Petersburg, Florida Facility:

     A.   Master Agreement (Florida Property) dated as of December 30, 1999
          between Equifax Inc. (as lessee and guarantor), Prefco VI Limited
          Partnership (as lessor), Atlantic Financial Group, Ltd., and SunTrust
          Bank, Atlanta (as agent and lender).

     B.   Lease Agreement dated as of December 30, 1999 between Prefco VI
          Limited Partnership (as lessor) and Equifax Inc. (as lessee).

     C.   Loan Agreement dated as of December 30, 1999 between Prefco VI Limited
          Partnership (as lessor and borrower) and SunTrust Bank, Atlanta (as
          agent).

     D.   Mortgage and Security Agreement dated as of December 30, 1999 made by
          Prefco VI Limited Partnership (as mortgagor) in favor of SunTrust
          Bank, Atlanta (as agent and mortgagee).

     E.   Assignment of Lease and Rents dated as of December 30, 1999 made by
          Prefco VI Limited Partnership Inc. (as assignor) in favor of SunTrust
          Bank, Atlanta (as assignee).

     F.   Operative Guaranty dated as of December 30, 1999 made by Equifax Inc.
          (as guarantor).

     G.   Assignment and Assumption of Lease and Other Operative Documents dated
          as of June 25, 2001 among Equifax Inc. (as assignor), Certegy Inc. (as
          assignee), Prefco VI Limited Partnership (as lessor), Atlantic
          Financial Group, Ltd., and SunTrust Bank (as agent and lender).

     H.   Omnibus Amendment to Master Agreement, Lease, Loan Agreement and
          Definitions Appendix A [Florida] dated as of September 17, 2004 among

                                 Schedule 7.03-1

<PAGE>

          Certegy Inc. (as lessee and guarantor), Prefco VI Limited Partnership
          (as lessor); and SunTrust Bank (as agent and lender).

     I.   Second Omnibus Amendment to Master Agreement, Lease, Loan Agreement
          and Definitions Appendix A [Florida] dated as of February 1, 2006
          among Fidelity National Information Services, Inc., successor to
          Certegy Inc. (as lessee and guarantor), Prefco VI Limited Partnership
          (as lessor); and SunTrust Bank (as agent and lender).

     J.   Third Omnibus Amendment to Master Agreement, Lease, Loan Agreement and
          Definitions Appendix A [Florida] dated as of April 28, 2006 among
          Fidelity National Information Services, Inc., successor to Certegy
          Inc. (as lessee and guarantor), Prefco VI Limited Partnership (as
          lessor); and SunTrust Bank (as agent and lender).

     K.   Fourth Omnibus Amendment to Master Agreement, Lease, Loan Agreement
          and Definitions Appendix A [Florida] dated on or about January 18,
          2007 (as amended) among Fidelity National Information Services, Inc.,
          successor to Certegy Inc. (as lessee and guarantor), Prefco VI Limited
          Partnership (as lessor); and SunTrust Bank (as agent and lender).

     L.   Subsidiary Guaranty Agreement dated as of February 1, 2006 (as
          amended) made by certain subsidiaries of Fidelity National Information
          Services, Inc.

     M.   The other "Operative Documents" as defined in the aforesaid Master
          Agreement.

4.   Lease Documentation for Madison, Wisconsin Facility:

     A.   Master Agreement (Wisconsin Property) dated as of December 23, 1997
          between Equifax Inc. (as lessee and guarantor), SunTrust Banks, Inc.
          (as lessor), and SunTrust Bank, Atlanta (as agent).

     B.   Lease Agreement dated as of December 23, 1997 between SunTrust Banks,
          Inc. (as lessor), and Equifax Inc. (as lessee).

     C.   Lease Participation Agreement dated as of December 23, 1997 between
          SunTrust Banks, Inc. (as lessor), and SunTrust Bank, Atlanta (as lease
          participant).

     D.   Lease Supplement dated December 23, 1997 between Equifax Inc. (as
          lessee and SunTrust Banks, Inc. (as lessor).

                                 Schedule 7.03-2

<PAGE>

     E.   Operative Guaranty dated as of December 23, 1997 made by Equifax Inc.
          (as guarantor).

     F.   Assignment and Assumption of Lease and Other Operative Documents dated
          as of June 25, 2001 among Equifax Inc. (as assignor), Certegy Inc. (as
          assignee), SunTrust Banks, Inc. (as lessor), and SunTrust Bank (as
          agent and lease participant).

     G.   Omnibus Amendment to Master Agreement, Lease and Definitions Appendix
          A [Wisconsin] dated as of April 11, 2003 among Certegy Inc. (as lessee
          and guarantor), SunTrust Banks, Inc. (as lessor); and SunTrust Bank
          (as agent and lease participant).

     H.   Second Omnibus Amendment to Master Agreement, Lease and Definitions
          Appendix A [Wisconsin] dated as of September 3, 2003 among Certegy
          Inc. (as lessee and guarantor), SunTrust Banks, Inc. (as lessor); and
          SunTrust Bank (as agent and lease participant).

     I.   Third Omnibus Amendment to Master Agreement, Lease and Definitions
          Appendix A [Wisconsin] dated as of September 17, 2004 among Certegy
          Inc (as lessee and guarantor), SunTrust Banks, Inc. (as lessor); and
          SunTrust Bank (as agent and lease participant).

     J.   Fourth Omnibus Amendment to Master Agreement, Lease and Definitions
          Appendix A [Wisconsin] dated as of February 1, 2006 among Fidelity
          National Information Services, Inc., successor to Certegy Inc. (as
          lessee and guarantor), SunTrust Banks, Inc. (as lessor); and SunTrust
          Bank (as agent and lease participant).

     K.   Fifth Omnibus Amendment to Master Agreement, Lease and Definitions
          Appendix A [Wisconsin] dated on or about January 18, 2007 among
          Fidelity National Information Services, Inc., successor to Certegy
          Inc. (as lessee and guarantor), SunTrust Banks, Inc. (as lessor); and
          SunTrust Bank (as agent and lease participant).

     L.   Subsidiary Guaranty Agreement dated as of February 1, 2006 (as
          amended) made by certain subsidiaries of Fidelity National Information
          Services, Inc.

     M.   The other "Operative Documents" as defined in the aforesaid Master
          Agreement.

5.   That certain Guaranty made in connection with the Brazil Joint Venture
     listed in Schedule 7.02.

                                 Schedule 7.03-3

<PAGE>

6.   $20,000,000 Line of Credit dated November 21, 2003 between FNF Capital,
     LLC, as borrower, Bremer, as lender and Fidelity National Information
     Services, Inc. as guarantor. The outstanding balance as of December 31,
     2006 was approximately $1,000,000.

7.   Lease Documentation related to the leasing of aircraft by Fidelity National
     Information Services, Inc.:

     A.   Aircraft Lease (S/N 4008) dated as of August 12, 2004 among Bank of
          America, N.A. (successor by merger to Fleet National Bank), as lessor,
          and Fidelity National Financial, Inc. and Fidelity National
          Information Services, Inc., as co-lessees, as amended, supplemented
          and assigned thereafter.

     B.   Aircraft Lease (S/N 258598) dated as of December 23, 2002 among Banc
          of America Leasing & Capital, LLC (successor by merger to Fleet
          Capital Corporation), as lessor, and Fidelity National Financial, Inc.
          and Fidelity National Information Services, Inc., as co-lessees
          (successors in interest to Rocky Mountain Aviation, Inc.), as amended,
          supplemented and assigned thereafter.

     C.   Aircraft Lease (S/N 258568) dated as of December 13, 2002 among Banc
          of America Leasing & Capital, LLC (successor by merger to Fleet
          Capital Corporation), as lessor, and Fidelity National Financial, Inc.
          and Fidelity National Information Services, Inc., as co-lessees
          (successors in interest to Rocky Mountain Aviation, Inc.), as amended,
          supplemented and assigned thereafter.

8.   5 year term debt agreement dated October 27, 2006 between FNF Capital, LLC,
     as borrower and Fidelity National Financial, Inc, as lender. The
     outstanding balance as of December 31, 2006 was $13,878,378.37.

9.   $100,000 Line of Credit dated December 22, 2006 between Game Financial
     Corporation, as borrower, and National City Bank, as lender.

10.  Indebtedness associated with equipment loans and leases related to the
     liens therefor listed on Schedule 7.01.

11.  Indebtedness set forth on the attached chart, entitled "Certain Debt to
     Foreign Subsidiaries as of 11/30/06".

12.  Capital Leases identified below:

                                 Schedule 7.03-4

<PAGE>

                                 CAPITAL LEASES

<TABLE>
<CAPTION>

                                                          DESCRIPTION      REMAINING BALANCE AS OF
                 LESSEE                    LESSOR           OF GOODS               12/31/06          DATE OF LEASE
------------------------------------    ------------   -----------------   -----------------------   -------------
<S>                                     <C>            <C>                 <C>
Fidelity National Card Services Inc.    Pitney Bowes   2 asp Inserters             $396,000          April 2003
Fidelity National Card Services Inc.    Pitney Bowes   3rd asp Inserter            $323,000          January 2004
Fidelity National Card Services Inc.    OCE            1 Duplex Printer            $516,000          March 2005
Fidelity National Card Services Inc.    OCE            1 Triplex Printer           $685,000          April 2004
Fidelity National Card Services Inc.    CompServe      Tape Library                $190,000          April 2005
</TABLE>

                                 Schedule 7.03-5

<PAGE>

               CERTAIN DEBT TO FOREIGN SUBSIDIARIES AS OF 11/30/06
               ALL AMOUNTS IN US DOLLARS EQUIVALENT AS OF 11/30/06

<TABLE>
<CAPTION>
           DOMESTIC DEBTOR                            FOREIGN CREDITOR             DEBT AMOUNT*
-------------------------------------   ----------------------------------------   ------------
<S>                                     <C>                                        <C>
Payment South America Holdings, Inc.    Payment Brasil Holdings Ltda., a Brazil
                                        company                                        295,508
Payment South America Holdings, Inc.    Payment Chile S.A., a Chile company            160,968
Fidelity Information Services, Inc.     Fidelity Information Services (Thailand)
                                        Limited, a Thai company (99.9%)             24,349,406
Fidelity Information Services           Fidelity Information Services Limited, a
International Holdings, Inc.            United Kingdom company                       2,937,517
Fidelity Information Services           Fidelity Information Services Canada
International Holdings, Inc.            Limited (Canada), a Canada company           3,067,998
Fidelity Information Services           Fidelity Information Services
International Holdings, Inc.            (New Zealand) Limited, a New Zealand
                                        company                                         44,875
Fidelity Information Services, Inc.     Fidelity Information Services
                                        International Holdings, C.V.,
                                        (FISHI-Netherlands) a Netherlands
                                        company                                     11,370,793
Fidelity National Information           Fidelity National Information Solutions
Solutions, Inc.                         Canada Inc., a Canada company                  494,020
</TABLE>

----------
*    Internal book value of investment as of November 30, 2006.

                                 Schedule 7.03-6

<PAGE>

                                  SCHEDULE 7.08

                          TRANSACTIONS WITH AFFILIATES

None.

                                  Schedule 7.08

<PAGE>

                                  SCHEDULE 7.09

                              EXISTING RESTRICTIONS

None.

                                  Schedule 7.09

<PAGE>

                                 SCHEDULE 11.02

          ADMINISTRATIVE AGENT'S OFFICE; CERTAIN ADDRESSES FOR NOTICES

             ADMINISTRATIVE AGENT, SWING LINE LENDER AND L/C ISSUER

<TABLE>
<S>                                             <C>
Administrative Contact:                         Administrative Contact (copy):

JPMorgan Chase Bank, N.A.                       JPMorgan Chase Bank, N.A.
1111 Fannin Street, Floor 10                    270 Park Avenue, 4th Floor
Houston, Texas 77002-6925                       New York, NY 10017
Attention: Timothy Rojas                        Attention: Desiree E. Szolnok
Tel: 713-750-2832                               Tel: (212) 270-7671
Fax: 713-750-2223                               Fax: (212) 270-4164
Email: timothy.e.rojas@jpmchase.com             E-mail: desiree.e.szolnok@jpmorgan.com

Swing Line Lender:                              L/C Issuer:

JPMorgan Chase Bank, N.A.                       JPMorgan Chase Bank, N.A.
1111 Fannin Street, Floor 10                    1111 Fannin Street, Floor 10
Houston, Texas 77002-6925                       Houston, Texas 77002-6925
Attention: Timothy Rojas                        Attention: Timothy Rojas
Tel: 713-750-2832                               Tel: 713-750-2832
Fax: 713-750-2223                               Fax: 713-750-2223
Email: timothy.e.rojas@jpmchase.com             Email: timothy.e.rojas@jpmchase.com

Account No: 323226388
ABA#: 021000021

                                SWING LINE LENDER

Bank of America, N.A.
901 Main Street
Dallas, TX 75202-3714
Mail Code: TX1-492-14-14
Attention: Marija Farmer
Telephone: 1-214-209-0183
Facsimile: 1-214-290-9428
E-mail: marija.farmer@bankofamerica.com

Account No.: 1366212250600
Ref: Fidelity National
ABA#: 026009593
</TABLE>

                                Schedule 11.02-1

<PAGE>

                                    BORROWER

<TABLE>
<S>                                             <C>
                                                Copy:

Fidelity National Information Services, Inc.    Fidelity National Information
601 Riverside Avenue                            Services, Inc.
Jacksonville, Florida 32204                     601 Riverside Avenue
Attention: Michael Sax, Treasurer               Jacksonville, Florida 32204
Tel: 904-854-3244                               Attention: Ronald D. Cook,
Fax: 904-357-1023                               General Counsel
E-Mail: Michael.Sax@fnf.com                     Tel: 904-854-3453
                                                Fax: 904-357-1005
                                                E-Mail: Ron.Cook@fnf.com
</TABLE>

                                Schedule 11.02-2

<PAGE>

                                                                       EXHIBIT A

                         FORM OF COMMITTED LOAN NOTICE

                                                        Date: ___________, _____

To: JPMorgan Chase Bank, N.A., as Administrative Agent

Ladies and Gentlemen:

     Reference is made to the Credit Agreement dated as of January 18, 2007 (as
amended, restated, amended and restated, extended, supplemented or otherwise
modified in writing from time to time, the "AGREEMENT"; the terms defined
therein being used herein as therein defined), among Fidelity National
Information Services, Inc., a Georgia corporation (the "COMPANY"), the
Designated Borrowers from time to time party thereto, each lender party thereto,
JPMorgan Chase Bank, N.A., as Administrative Agent, Swing Line Lender and L/C
Issuer, and Bank of America, N.A., as Swing Line Lender.

     The Company hereby requests, on behalf of itself or, if applicable, the
Designated Borrower referenced in item 6 below (the "APPLICABLE DESIGNATED
BORROWER") (select one):

     [ ] A Borrowing of Committed Loans   [ ] A conversion or continuation of
                                              Loans

     1.   On ____________________________________ (a Business Day).

     2.   In the amount of ________________________.

     3.   Comprised of _______________________________________.
          [Class, Tranche and Type of Loan requested or to be converted]

     4.   For Multicurrency Revolving Credit Loans, in the following currency:
          ________________________

     5.   For Eurocurrency Rate Loans: with an Interest Period of __ months.

     6.   On behalf of ____________________________ [insert name of applicable
          Designated Borrower].

                                      A-1

<PAGE>

     [The Borrowing requested herein complies with the proviso to the first
sentence of Section 2.01(b) of the Agreement.](1)

                                        FIDELITY NATIONAL INFORMATION SERVICES,
                                        INC.

                                        By:
                                            ------------------------------------
                                            Name:
                                            Title:

----------
(1)  Include if Multicurrency Revolving Credit Borrowing requested.

                                      A-2

<PAGE>

                                                                     EXHIBIT B-1

                              FORM OF BID REQUEST

                                                                   _______, ____

To: JPMorgan Chase Bank, N.A., as Administrative Agent

Ladies and Gentlemen:

     Reference is made to the Credit Agreement dated as of January 18, 2007 (as
amended, restated, amended and restated, extended, supplemented or otherwise
modified in writing from time to time, the "AGREEMENT"; the terms defined
therein being used herein as therein defined), among Fidelity National
Information Services, Inc., a Georgia corporation (the "COMPANY"), the
Designated Borrowers from time to time party thereto, each lender party thereto,
JPMorgan Chase Bank, N.A., as Administrative Agent, Swing Line Lender and L/C
Issuer, and Bank of America, N.A., as Swing Line Lender.

     The Revolving Credit Lenders are invited to make Bid Loans:

     1.   On ________________________________ (a Business Day).

     2.   In an aggregate amount not exceeding $_________________ (with any
          sublimits set forth below).

     3.   Requested currency: _____________________________.

     4.   Comprised of (select one):

     [ ] Bid Loans based on an Absolute   [ ] Bid Loans based on Eurocurrency
         Rate                                 Bid Margin

<TABLE>
<CAPTION>
               INTEREST PERIOD   MAXIMUM PRINCIPAL
BID LOAN NO.      REQUESTED       AMOUNT REQUESTED
------------   ---------------   -----------------
<S>            <C>               <C>
      1        _______days/mos   $________________
      2        _______days/mos   $________________
      3        _______days/mos   $________________
</TABLE>

     The Bid Borrowing requested herein complies with the requirements of the
proviso to the first sentence of Section 2.03(a) of the Agreement.

                                     B-1-1

<PAGE>

     The Company authorizes the Administrative Agent to deliver this Bid Request
to the Revolving Credit Lenders. Responses by the Revolving Credit Lenders must
be in substantially the form of Exhibit B-2 to the Agreement and must be
received by the Administrative Agent by the time specified in Section 2.03 of
the Agreement for submitting Competitive Bids.

                                        FIDELITY NATIONAL INFORMATION SERVICES,
                                        INC.

                                        By:
                                            ------------------------------------
                                            Name:
                                            Title:

                                      B-1-2

<PAGE>

                                                                     EXHIBIT B-2

                            FORM OF COMPETITIVE BID

                                                                   _______, ____

To: JPMorgan Chase Bank, N.A., as Administrative Agent

Ladies and Gentlemen:

     Reference is made to the Credit Agreement dated as of January 18, 2007 (as
amended, restated, amended and restated, extended, supplemented or otherwise
modified in writing from time to time, the "AGREEMENT"; the terms defined
therein being used herein as therein defined), among Fidelity National
Information Services, Inc., a Georgia corporation (the "COMPANY"), the
Designated Borrowers from time to time party thereto, each lender party thereto,
JPMorgan Chase Bank, N.A., as Administrative Agent, Swing Line Lender and L/C
Issuer, and Bank of America, N.A., as Swing Line Lender.

     In response to the Bid Request dated ______________, ____, the undersigned
offers to make the following Bid Loan(s):

     1.   Borrowing date: _________________________ (a Business Day).

     2.   In an aggregate amount not exceeding $_________________ (with any
          sublimits set forth below).

     3.   Currency: _____________________________.

     4.   Comprised of:

<TABLE>
<CAPTION>
                                                  ABSOLUTE RATE OR
               INTEREST PERIOD                      EUROCURRENCY
BID LOAN NO.       OFFERED         BID MAXIMUM       BID MARGIN*
------------   ---------------   --------------   ----------------
<S>            <C>               <C>              <C>
      1        _______days/mos   $_____________    (- +) _______%
      2        _______days/mos   $_____________    (- +) _______%
      3        _______days/mos   $_____________    (- +) _______%
</TABLE>

----------
*    Expressed in multiples of 1/100th of a basis point.

                                     B-2-1

<PAGE>

Contact Person: _____________________________   Telephone: _____________________

                                        [NAME OF LENDER]

                                        By:
                                            ------------------------------------
                                            Name:
                                            Title:

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

THIS SECTION IS TO BE COMPLETED BY THE COMPANY IF IT WISHES TO ACCEPT ANY OFFERS
CONTAINED IN THIS COMPETITIVE BID:

The offers made above are hereby accepted in the amounts set forth below:

<TABLE>
<CAPTION>
               PRINCIPAL AMOUNT
BID LOAN NO.       ACCEPTED
------------   ----------------
<S>            <C>
               $_______________
               $_______________
               $_______________
</TABLE>

FIDELITY NATIONAL INFORMATION SERVICES, INC.

By:
    ---------------------------------
    Name:
    Title:

Date: _________

                                     B-2-2

<PAGE>

                                                                       EXHIBIT C

                         FORM OF SWING LINE LOAN NOTICE

                                                       Date: ____________, _____

To: JPMorgan Chase Bank, N.A., as Swing Line Lender and Administrative Agent
    Bank of America, N.A., as Swing Line Lender

Ladies and Gentlemen:

     Reference is made to the Credit Agreement dated as of January 18, 2007 (as
amended, restated, amended and restated, extended, supplemented or otherwise
modified in writing from time to time, the "AGREEMENT"; the terms defined
therein being used herein as therein defined), among Fidelity National
Information Services, Inc., a Georgia corporation (the "COMPANY"), the
Designated Borrowers from time to time party thereto, each lender party thereto,
JPMorgan Chase Bank, N.A., as Administrative Agent, Swing Line Lender and L/C
Issuer, and Bank of America, N.A., as Swing Line Lender.

     The Company hereby requests a Swing Line Loan:

     1.   On ___________________________________ (a Business Day).

     2.   In the amount of $_______________________.

     3. The aggregate principal balance of Swing Line Loans outstanding (after
giving effect to the advance requested hereunder) is $________________ (after
giving effect to all repayments of the Swing Line Loans being made on such
date).

     The Swing Line Borrowing requested herein complies with the requirements of
the provisos to the first sentence of Section 2.05(a) of the Agreement.

                                        FIDELITY NATIONAL INFORMATION SERVICES,
                                        INC.

                                        By:
                                            ------------------------------------
                                            Name:
                                            Title:

                                      C-1

<PAGE>

                                                                     EXHIBIT D-1

                               FORM OF TERM NOTE

                                                                     ___________

     FOR VALUE RECEIVED, the undersigned (the "BORROWER"), hereby promises to
pay to _____________________ or its registered assigns (the "TERM LENDER"), in
accordance with the provisions of the Agreement (as hereinafter defined), the
aggregate unpaid principal amount of each Term Loan made by the Term Lender to
the Borrower under that certain Credit Agreement dated as of January 18, 2007
(as amended, restated, amended and restated, extended, supplemented or otherwise
modified in writing from time to time, the "AGREEMENT"; the terms defined
therein being used herein as therein defined), among Fidelity National
Information Services, Inc., a Georgia corporation, the Designated Borrowers from
time to time party thereto, each lender party thereto, JPMorgan Chase Bank,
N.A., as Administrative Agent, Swing Line Lender and L/C Issuer, and Bank of
America, N.A., as Swing Line Lender.

     The Borrower promises to pay interest on the aggregate unpaid principal
amount of each Term Loan made by the Term Lender to the Borrower under the
Agreement from the date of such Term Loan until such principal amount is paid in
full, at such interest rates and at such times as provided in the Agreement. All
payments of principal and interest shall be made to the Administrative Agent for
the account of the Term Lender in Dollars in immediately available funds. If any
amount is not paid in full when due hereunder, such unpaid amount shall bear
interest, to be paid upon demand, from the due date thereof until the date of
actual payment (and before as well as after judgment) computed at the per annum
rate set forth in the Agreement.

     This Term Note is one of the Term Notes referred to in the Agreement, is
entitled to the benefits thereof and may be prepaid in whole or in part subject
to the terms and conditions provided therein. This Term Note is also entitled to
the benefits of the Guaranty. Upon the occurrence and during the continuation of
one or more of the Events of Default specified in the Agreement, all amounts
then remaining unpaid on this Term Note shall become, or may be declared to be,
immediately due and payable all as provided in the Agreement. Term Loans made by
the Term Lender shall be evidenced by one or more loan accounts or records
maintained by the Term Lender in the ordinary course of business. The Term
Lender may also attach schedules to this Term Note and endorse thereon the date,
amount and maturity of its Term Loans and payments with respect thereto.

                                     D-1-1

<PAGE>

     The Borrower, for itself and its successors and assigns, hereby waives
diligence, presentment, protest and demand and notice of protest, demand,
dishonor and non-payment of this Term Note.

     THIS TERM NOTE SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE
LAWS OF THE STATE OF NEW YORK.

                                        FIDELITY NATIONAL INFORMATION SERVICES,
                                        INC.

                                        By:
                                            ------------------------------------
                                            Name:
                                            Title:

                                     D-1-2

<PAGE>

                  TERM LOANS AND PAYMENTS WITH RESPECT THERETO

<TABLE>
<CAPTION>
                                                     Amount of     Outstanding
                 Type of    Amount of    End of     Principal or     Principal
                Term Loan   Term Loan   Interest   Interest Paid   Balance This   Notation
     Date          Made        Made      Period      This Date         Date        Made By
-------------   ---------   ---------   --------   -------------   ------------   --------
<S>             <C>         <C>         <C>        <C>             <C>            <C>

</TABLE>

                                     D-1-3
<PAGE>

                                                                     EXHIBIT D-2

                     FORM OF US DOLLAR REVOLVING CREDIT NOTE

                                                                      __________

     FOR VALUE RECEIVED, the undersigned (the "BORROWER"), hereby promises to
pay to _____________________ or registered assigns (the "US DOLLAR REVOLVING
CREDIT LENDER"), in accordance with the provisions of the Agreement (as
hereinafter defined), the aggregate unpaid principal amount of each US Dollar
Revolving Credit Loan made by the US Dollar Revolving Credit Lender from time to
time to the Borrower under that certain Credit Agreement dated as of January 18,
2007 (as amended, restated, amended and restated, extended, supplemented or
otherwise modified in writing from time to time, the "AGREEMENT"; the terms
defined therein being used herein as therein defined), among Fidelity National
Information Services, Inc., a Georgia corporation, the Designated Borrowers from
time to time party thereto, each lender party thereto, JPMorgan Chase Bank,
N.A., as Administrative Agent, Swing Line Lender and L/C Issuer, and Bank of
America, N.A., as Swing Line Lender.

     The Borrower promises to pay interest on the aggregate unpaid principal
amount of each US Dollar Revolving Credit Loan made from time to time by the US
Dollar Revolving Credit Lender to the Borrowers under the Agreement from the
date of such US Dollar Revolving Credit Loan until such principal amount is paid
in full, at such interest rates and at such times as provided in the Agreement.
All payments of principal and interest shall be made to the Administrative Agent
for the account of the US Dollar Revolving Credit Lender in Dollars and in
immediately available funds. If any amount is not paid in full when due
hereunder, such unpaid amount shall bear interest, to be paid upon demand, from
the due date thereof until the date of actual payment (and before as well as
after judgment) computed at the per annum rate set forth in the Agreement.

     This US Dollar Revolving Credit Note is one of the US Dollar Revolving
Credit Notes referred to in the Agreement, is entitled to the benefits thereof
and may be prepaid in whole or in part subject to the terms and conditions
provided therein. This US Dollar Revolving Credit Note is also entitled to the
benefits of the Guaranty. Upon the occurrence and during the continuation of one
or more of the Events of Default specified in the Agreement, all amounts then
remaining unpaid on this US Dollar Revolving Credit Note shall become, or may be
declared to be, immediately due and payable all as provided in the Agreement. US
Dollar Revolving Credit Loans made by the US Dollar Revolving Credit Lender
shall be evidenced by one or more loan accounts or records maintained by the US
Dollar Revolving Credit Lender in the ordinary course of business. The US Dollar
Revolving Credit Lender may also attach schedules to this US Dollar Revolving
Credit Note and endorse thereon the date, amount and maturity of its US Dollar
Revolving Credit Loans and payments with respect thereto.

                                     D-2-1

<PAGE>

     The Borrower, for itself and its successors and assigns, hereby waives
diligence, presentment, protest and demand and notice of protest, demand,
dishonor and non-payment of this Revolving Credit Note.

     THIS US DOLLAR REVOLVING CREDIT NOTE SHALL BE GOVERNED BY AND CONSTRUED IN
ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK.

                                        FIDELITY NATIONAL INFORMATION
                                        SERVICES, INC.

                                        By:
                                            ------------------------------------
                                            Name:
                                            Title:

                                     D-2-2

<PAGE>

                     LOANS AND PAYMENTS WITH RESPECT THERETO

<TABLE>
<CAPTION>
                                            Amount of     Outstanding
                                End of     Principal or    Principal
        Type of    Amount of   Interest   Interest Paid   Balance This   Notation
Date   Loan Made   Loan Made    Period      This Date         Date       Made By
----   ---------   ---------   --------   -------------   ------------   --------
<S>    <C>         <C>         <C>        <C>             <C>            <C>

</TABLE>

                                     D-2-3

<PAGE>

                                                                     EXHIBIT D-3

                   FORM OF MULTICURRENCY REVOLVING CREDIT NOTE

                                                                      __________

     FOR VALUE RECEIVED, the undersigned (the "BORROWER"), hereby promises to
pay to _____________________ or registered assigns (the "MULTICURRENCY REVOLVING
CREDIT LENDER"), in accordance with the provisions of the Agreement (as
hereinafter defined), the aggregate unpaid principal amount of each
Multicurrency Revolving Credit Loan made by the Multicurrency Revolving Credit
Lender from time to time to the Borrower under that certain Credit Agreement
dated as of January 18, 2007 (as amended, restated, amended and restated,
extended, supplemented or otherwise modified in writing from time to time, the
"AGREEMENT"; the terms defined therein being used herein as therein defined),
among Fidelity National Information Services, Inc., a Georgia corporation, the
Designated Borrowers from time to time party thereto, each lender party thereto,
JPMorgan Chase Bank, N.A., as Administrative Agent, Swing Line Lender and L/C
Issuer, and Bank of America, N.A., as Swing Line Lender.

     The Borrower promises to pay interest on the aggregate unpaid principal
amount of each Multicurrency Revolving Credit Loan made from time to time by the
Multicurrency Revolving Credit Lender to the Borrower under the Agreement from
the date of such Multicurrency Revolving Credit Loan until such principal amount
is paid in full, at such interest rates and at such times as provided in the
Agreement. Except as otherwise provided in Section 2.05(f) of the Agreement with
respect to Swing Line Loans, all payments of principal and interest shall be
made to the Administrative Agent for the account of the Multicurrency Revolving
Credit Lender in the currency in which such Multicurrency Revolving Credit Loan
was denominated and in Same Day Funds at the Administrative Agent's Office for
such currency. If any amount is not paid in full when due hereunder, such unpaid
amount shall bear interest, to be paid upon demand, from the due date thereof
until the date of actual payment (and before as well as after judgment) computed
at the per annum rate set forth in the Agreement.

     This Multicurrency Revolving Credit Note is one of the Multicurrency
Revolving Credit Notes referred to in the Agreement, is entitled to the benefits
thereof and may be prepaid in whole or in part subject to the terms and
conditions provided therein. This Multicurrency Revolving Credit Note is also
entitled to the benefits of the Guaranty. Upon the occurrence and during the
continuation of one or more of the Events of Default specified in the Agreement,
all amounts then remaining unpaid on this Multicurrency Revolving Credit Note
shall become, or may be declared to be, immediately due and payable all as
provided in the Agreement. Multicurrency Revolving Credit Loans made by the
Multicurrency

                                     D-3-1

<PAGE>

Revolving Credit Lender shall be evidenced by one or more loan accounts or
records maintained by the Multicurrency Revolving Credit Lender in the ordinary
course of business. The Multicurrency Revolving Credit Lender may also attach
schedules to this Multicurrency Revolving Credit Note and endorse thereon the
date, amount, currency and maturity of its Multicurrency Revolving Credit Loans
and payments with respect thereto.

     The Borrower, for itself and its successors and assigns, hereby waives
diligence, presentment, protest and demand and notice of protest, demand,
dishonor and non-payment of this Multicurrency Revolving Credit Note.

     THIS MULTICURRENCY REVOLVING CREDIT NOTE SHALL BE GOVERNED BY AND CONSTRUED
IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK.

                                        [BORROWER]

                                        By:
                                            ------------------------------------
                                            Name:
                                            Title:

                                     D-3-2

<PAGE>

                     LOANS AND PAYMENTS WITH RESPECT THERETO

<TABLE>
<CAPTION>
                    Currency                Amount of      Outstanding
                      and       End of    Principal or     Principal
        Type of    Amount of   Interest   Interest Paid   Balance This   Notation
Date   Loan Made   Loan Made    Period      This Date        Date         Made By
----   ---------   ---------   --------   -------------   ------------   --------
<S>    <C>         <C>         <C>        <C>             <C>            <C>

</TABLE>

                                     D-3-3

<PAGE>

                                                                       EXHIBIT E

                         FORM OF COMPLIANCE CERTIFICATE

                                         Financial Statement Date: _______, ____

To: JPMorgan Chase Bank, N.A., as Administrative Agent

Ladies and Gentlemen:

     Reference is made to that certain Credit Agreement dated as of January 18,
2007 (as amended, restated, amended and restated, extended, supplemented or
otherwise modified in writing from time to time, the "AGREEMENT"; the terms
defined therein being used herein as therein defined), among Fidelity National
Information Services, Inc., a Georgia corporation (the "COMPANY"), the
Designated Borrowers from time to time party thereto, each lender party thereto,
JPMorgan Chase Bank, N.A., as Administrative Agent, Swing Line Lender and L/C
Issuer, and Bank of America, N.A., as Swing Line Lender.

     The undersigned, a Specified Responsible Officer of the Company, hereby
certifies as of the date hereof that he/she is the _________________ of the
Company, and that, as such, he/she is authorized to execute and deliver this
Compliance Certificate to the Administrative Agent on the behalf of the Company
and its Restricted Subsidiaries, and hereby certifies on behalf of the Company
that:

     [Use following paragraph 1 for fiscal year-end financial statements]

     1. Attached hereto as Schedule 1 are the year-end audited financial
statements required by Section 6.01(a) of the Agreement for the fiscal year of
the Company and its Subsidiaries ended as of the above date, together with the
report and opinion of the independent certified public accountant required by
such Section.

     [Use following paragraph 1 for fiscal quarter financial statements]

     1. Attached hereto as Schedule 1 are the unaudited financial statements
required by Section 6.01(b) of the Agreement for the fiscal quarter of the
Company ended as of the above date. Such financial statements fairly present in
all material respects the financial condition, results of operations,
shareholders' equity and cash flows of the Company and its Subsidiaries in
accordance with GAAP as at such date and for such period, subject only to normal
year-end audit adjustments and the absence of footnotes.

     2. To the knowledge of the undersigned Specified Responsible Officer, the
Company has caused to be made, a review of the activities of the Company and its
Restricted Subsidiaries in regard to the matters relevant to this Compliance

                                      E-1

<PAGE>

Certificate during such fiscal period and has required that the results thereof
be reported to the undersigned Specified Responsible Officer.

                                  [select one:]

     [To the knowledge of the undersigned Specified Responsible Officer after
taking into account the review reports described above, no Default has occurred
during such fiscal period and is continuing on the Financial Statement Date.]

                                      -or-

     [To the knowledge of the undersigned Specified Responsible Officer after
taking into account the review reports described above, the following is a list
of each Default (and its nature and status) that has occurred during such fiscal
period and is continuing on the Financial Statement Date:]

     3. The financial covenant analyses and information set forth on Schedule 2
attached hereto are delivered in compliance with Section 6.02(b).

     4. Attached hereto as Schedule 3 is a description of all events, conditions
or circumstances during the fiscal quarter ended as of the above date requiring
a mandatory prepayment under Section 2.06(b) of the Agreement (excluding any
event regarding which the Company has notified the Administrative Agent that the
Company intends to reinvest the Net Cash Proceeds thereof, provided that either
such reinvestment has been made or the time permitted for such reinvestment has
not expired during such period), in each case as required by Section 6.02(f) of
the Agreement.

                                      E-2

<PAGE>

     IN WITNESS WHEREOF, the undersigned Specified Responsible Officer has
executed this Certificate on behalf of the Company as of ________________.

                                        FIDELITY NATIONAL INFORMATION
                                        SERVICES, INC.

                                        By:
                                            ------------------------------------
                                            Name:
                                            Title:

                                      E-3

<PAGE>

                                   SCHEDULE 1
                          to the Compliance Certificate

[Audited or unaudited financial statements required by Section 6.01(a) or (b) of
the Agreement]

                                      E-4
<PAGE>

                                   SCHEDULE 2
                          to the Compliance Certificate
                                  ($ in 000's)

For the Quarter/Year ended _______________ ("FINANCIAL STATEMENT DATE")

"SUBJECT PERIOD" means the four consecutive fiscal quarters ending on the
Financial Statement Date.

All Section references refer to the Agreement.

<TABLE>
<S>                                                                                                                      <C>
I.   SECTION 7.11(A)--LEVERAGE RATIO(2)

     A.   Consolidated EBITDA of the Consolidated Companies

          1.   Consolidated Net Income:                                                                                  $
                                                                                                                         ===========

          2.   The sum of the amount which, in the determination of Consolidated Net Income for such period, was
               deducted for, without duplication:

               (i)    total interest expense:                                                                            $
                                                                                                                         -----------

               (ii)   income, franchise and similar taxes:                                                               $
                                                                                                                         -----------

               (iii)  depreciation and amortization expense (including amortization of intangibles, goodwill and
                      organization costs):                                                                               $
                                                                                                                         -----------

               (iv)   letter of credit fees:                                                                             $
                                                                                                                         -----------

               (v)    non-cash expenses resulting from any employee benefit or management compensation plan or the
                      grant of stock and stock options to employees of the Company or any of its Subsidiaries pursuant
                      to a written plan or agreement or the treatment of such options under variable plan accounting:    $
                                                                                                                         -----------

               (vi)   extraordinary charges:                                                                             $
                                                                                                                         -----------

               (vii)  non-cash amortization (or write offs) of financing costs (including debt discount, debt issuance
                      costs and commissions and other fees associated with Indebtedness, including the Loans):           $
                                                                                                                         -----------
</TABLE>

----------
(2)  Calculated as of the end of any fiscal quarter of the Company for the
     Subject Period.

                                      E-5

<PAGE>

<TABLE>
<S>                                                                                                                      <C>
               (viii) cash expenses incurred in connection with the Certegy Merger, Reorganization, or, to the extent
                      permitted under the Agreement, any Investment permitted under Section 7.02 (including any
                      Permitted Acquisition), Equity Issuance or Debt Issuance (in each case, whether or not
                      consummated):                                                                                      $
                                                                                                                         -----------

               (ix)   losses realized upon the Disposition of property or assets outside of the ordinary course of
                      business:                                                                                          $
                                                                                                                         -----------

               (x)    to the extent actually reimbursed, expenses incurred to the extent covered by indemnification
                      provisions in any agreement in connection with a Permitted Acquisition:                            $
                                                                                                                         -----------

               (xi)   to the extent covered by insurance, expenses with respect to liability or casualty events or
                      business interruption:                                                                             $
                                                                                                                         -----------

               (xii)  management fees permitted under Section 7.08(d):                                                   $
                                                                                                                         -----------

               (xiii) non-cash purchase accounting adjustment and any non-cash write-up, write-down or write-off with
                      respect to re-valuing assets and liabilities in connection with the Certegy Merger, the
                      Reorganization or any Investment permitted under Section 7.02 (including any Permitted
                      Acquisition):                                                                                      $
                                                                                                                         -----------

               (xiv)  non-cash losses from Joint Ventures and non-cash minority interest reductions:                     $
                                                                                                                         -----------

               (xv)   fees and expenses in connection with exchanges or refinancings permitted by Section 7.11:          $
                                                                                                                         -----------

               (xvi)  (A) non-cash, non-recurring charges with respect to employee severance, (B) other non-cash,
                      non-recurring charges so long as such charges described in this clause (B) do not result in a
                      cash charge in a future period (except as permitted in clause (xvi)(C)) and (C) non-recurring
                      charges other than those referred to in clauses (A) and (B) so long as such charges described in
                      this clause (C) do not exceed $30,000,000 during any fiscal year:                                  $
                                                                                                                         -----------

               (xvii) other expenses or charges reducing Consolidated Net Income which do not represent a cash item in
                      such period or any future period:                                                                  $
                                                                                                                         -----------

                                                                                                                 Total   $
                                                                                                                         ===========

          3.   The sum of the amount which, in the determination of Consolidated Net Income, has been included for:
</TABLE>

                                      E-6

<PAGE>

<TABLE>
<S>                                                                                                                      <C>
               (i)    non-cash gains (other than with respect to cash actually received) and extraordinary gains:        $
                                                                                                                         -----------

               (ii)   gains realized upon the Disposition of property outside of the ordinary course of business:        $
                                                                                                                         -----------

                                                                                                                 Total   $
                                                                                                                         ===========

          4.   Unrealized losses/gains in respect of Swap Contracts:                                                     $
                                                                                                                         ===========

          5.   Consolidated EBITDA (Line I.A.1 + Total for I.A.2 - Total for I.A.3 (+/-) Line I.A.4)                     $
                                                                                                                         ===========

B.   Total Indebtedness at the Financial Statement Date(3)

          1.   The aggregate Outstanding Amount of all Loans, the aggregate undrawn amount of all outstanding trade
               Letters of Credit and all Unreimbursed Amounts:                                                           $
                                                                                                                         -----------

          2.   The sum of the following other Indebtedness of the Consolidated Companies, in each case other than
               Specified Non-Recourse Indebtedness:(4)

               (i)    all obligations for borrowed money and all obligations evidenced by bonds, debentures, notes,
                      loan agreements or other similar instruments or agreements:                                        $
                                                                                                                         -----------

               (ii)   the maximum available amount of all letters of credit (including standby and commercial) and
                      bankers' acceptances, in each case solely to the extent drawn and unreimbursed:                    $
                                                                                                                         -----------

               (iii)  all obligations to pay the deferred purchase price of property or services (other than (i) trade
                      accounts payable in the ordinary course of business, (ii) any earn-out obligation until such
                      obligation appears in the liabilities section of the balance sheet, and (iii) any earn-out
                      obligation that appears in the liabilities section of the balance sheet, to the extent (A)
                      indemnified for the payment thereof by a solvent Person reasonably acceptable to the
                      Administrative Agent or (B) amounts to be applied to the payment therefore are in escrow):         $
                                                                                                                         -----------
</TABLE>

----------
(3)  For any amounts listed in items 1 or 2 (including items (i) through (vii)
     of 2) consisting of revolving borrowings, use the average daily outstanding
     amount for the Subject Period.

(4)  Item 2 shall include the Indebtedness of any partnership or joint venture
     (other than a joint venture that is itself a corporation or limited
     liability company) in which such Person is a general partner or a joint
     venturer, unless such Indebtedness is non-recourse to such Person.

                                      E-7

<PAGE>

<TABLE>
<S>                                                                                                                      <C>
               (iv)   indebtedness (excluding prepaid interest thereon) secured by a Lien on property owned or being
                      purchased by such Person (including indebtedness arising under conditional sales or other title
                      retention agreements and mortgage, industrial revenue bond, industrial development bond and
                      similar financings), whether or not such indebtedness shall have been assumed by such Person or
                      is limited in recourse (the amount for purposes of this Item (iv) shall be deemed to be equal to
                      the lesser of (x) the aggregate unpaid amount of such indebtedness and (y) the fair market value
                      of the property encumbered thereby as determined by such Person in good faith):                    $
                                                                                                                         -----------

               (v)    all Attributable Indebtedness:                                                                     $
                                                                                                                         -----------

               (vi)   all indebtedness or similar financing obligations under any Securitization Financing:              $
                                                                                                                         -----------

               (vii)  all Guarantees of the Consolidated Companies of any of items (i) through (vi):                     $
                                                                                                                         -----------

                                                                                                             Subtotal:   $
                                                                                                                         ===========

          3.   Total Indebtedness (Item 1 + Subtotal for Item 2):(5)                                                     $
                                                                                                                         ===========

     LEVERAGE RATIO (Line I.B.3 / Line I.A.5)                                                                               __: 1.00
</TABLE>

     Maximum permitted:

<TABLE>
<CAPTION>
              Period Ending Date              Leverage Ratio
              ------------------              --------------
<S>                                           <C>
December 31, 2006 through December 31, 2008       3.50:1
March 31, 2009 through December 31, 2009          3.25:1
March 31, 2010 and thereafter                     3.00:1
</TABLE>

----------
(5)  To be reduced, in the case of any Indebtedness of a Majority-Owned
     Subsidiary, by an amount directly proportional to the amount by which
     Consolidated EBITDA determined pursuant to Section I.A. above was reduced
     (including through the calculation of Consolidated Net Income) by the
     elimination of a minority interest in such Majority-Owned Subsidiary owned
     by a Person other than a Consolidated Company.

                                      E-8

<PAGE>

<TABLE>
<S>                                                                                                                      <C>
II.  SECTION 7.11(B)--INTEREST COVERAGE RATIO(6)

     A.   Consolidated EBITDA of the Consolidated Companies (Line I.A.5 above):                                          $
                                                                                                                         -----------

     B.   Consolidated Interest Charges of the Consolidated Companies for the Subject Period, which is the amount
          payable with respect to:
                                                                                                                         -----------

          1.   total interest expense payable in cash plus pay-in-kind interest in respect of all obligations (in each
               case other than Specified Non-Recourse Indebtedness) for borrowed money and all obligations evidenced
               by bonds, debentures, notes, loan agreements or similar instruments or agreements (including the
               interest component under Capitalized Leases, but excluding, to the extent included in interest expense,
               (i) fees and expenses associated with the consummation of the Transaction, (ii) annual agency fees paid
               to the Administrative Agent, (iii) costs associated with obtaining Swap Contracts, (iv) fees and
               expenses associated with any Investment permitted under Section 7.02, Equity Issuance or Debt Issuance
               (whether or not consummated) and (v) amortization of deferred financing costs):                           $
                                                                                                                         -----------

          2.   interest income with respect to Cash on Hand:                                                             $
                                                                                                                         -----------

          Consolidated Interest Charges Total (Line II.B.1 - Line II.B.2)
                                                                                                                         ===========
     INTEREST COVERAGE RATIO (Line II.A.5 / Line II.B)                                                                       __:1.00
                                                                                                                         -----------
</TABLE>

     Minimum required:

<TABLE>
<CAPTION>
             Period Ending Date               Interest Coverage Ratio
             ------------------               -----------------------
<S>                                           <C>
December 31, 2006 through December 31, 2008            3.50:1
March 31, 2009 and thereafter                          4.00:1
</TABLE>

----------
(6)  Calculated as of the end of any fiscal quarter of the Company for the four
     fiscal quarters ending on the Financial Statement Date.

                                      E-9

<PAGE>

                                   SCHEDULE 3
                          to the Compliance Certificate
              (Items required by Section 6.02(f) of the Agreement)

Mandatory Prepayment Events:

                                      E-10
<PAGE>

                                                                       EXHIBIT F

                            ASSIGNMENT AND ASSUMPTION

     This Assignment and Assumption (this "ASSIGNMENT AND ASSUMPTION") is dated
as of the Effective Date set forth below and is entered into by and between
[Insert name of Assignor] (the "ASSIGNOR") and [Insert name of Assignee] (the
"ASSIGNEE"). Capitalized terms used but not defined herein shall have the
meanings given to them in the Credit Agreement identified below (the "CREDIT
AGREEMENT"), receipt of a copy of which is hereby acknowledged by the Assignee.
The Standard Terms and Conditions set forth in Annex 1 attached hereto are
hereby agreed to and incorporated herein by reference and made a part of this
Assignment and Assumption as if set forth herein in full.

     For an agreed consideration, the Assignor hereby irrevocably sells and
assigns to the Assignee, and the Assignee hereby irrevocably purchases and
assumes from the Assignor, subject to and in accordance with the Standard Terms
and Conditions as set forth in Annex 1 hereto and the Credit Agreement, as of
the Effective Date inserted by the Administrative Agent as contemplated below
(i) all of the Assignor's rights and obligations as a Lender under the Credit
Agreement and any other documents or instruments delivered pursuant thereto to
the extent related to the amount and percentage interest identified below of all
of such outstanding rights and obligations of the Assignor under the respective
facilities identified below (including, without limitation, Letters of Credit,
Guaranties and Swing Line Loans included in such facilities) and (ii) to the
extent permitted to be assigned under applicable law, all claims, suits, causes
of action and any other right of the Assignor (in its capacity as a Lender)
against any Person, whether known or unknown, arising under or in connection
with the Credit Agreement, any other documents or instruments delivered pursuant
thereto or the loan transactions governed thereby or in any way based on or
related to any of the foregoing, including, but not limited to, contract claims,
tort claims, malpractice claims, statutory claims and all other claims at law or
in equity related to the rights and obligations sold and assigned pursuant to
clause (i) above (the rights and obligations sold and assigned pursuant to
clauses (i) and (ii) above being referred to herein collectively as, the
"ASSIGNED INTEREST"). Such sale and assignment is without recourse to the
Assignor and, except as expressly provided in this Assignment and Assumption,
without representation or warranty by the Assignor.

1.   Assignor:             ______________________________

2.   Assignee:             ______________________________ [and is an
                           Affiliate/Approved Fund of [identify Lender]]

                                      F-1

<PAGE>

3.   Borrower(s):          Fidelity National Information Services, Inc. (and
                           Designated Borrowers, if any)

4.   Administrative Agent: JPMORGAN CHASE BANK, N.A., as the administrative
                           agent under the Credit Agreement

5.   Credit Agreement:     The Credit Agreement dated as of January 18, 2007 (as
                           amended, restated, amended and restated, extended,
                           supplemented or otherwise modified in writing from
                           time to time; the terms defined therein being used
                           herein as therein defined), among Fidelity National
                           Information Services, Inc., a Georgia corporation,
                           the Designated Borrowers from time to time party
                           thereto, each lender party thereto, JPMorgan Chase
                           Bank, N.A., as Administrative Agent, Swing Line
                           Lender and L/C Issuer, and Bank of America, N.A., as
                           Swing Line Lender

6.   Assigned Interest:

<TABLE>
<CAPTION>
                                          Aggregate
                                           Amount of          Amount of        Percentage
                                       Commitment/Loans   Commitment/Loans     Assigned of
         Facility Assigned              for all Lenders        Assigned      Commitment/Loans   CUSIP Number
         -----------------             ----------------   ----------------   ----------------   ------------
<S>                                    <C>                <C>                <C>                <C>
Multicurrency Revolving Credit
   Facility                            ________________   ________________    ______________%
US Dollar Revolving Credit Facility    ________________   ________________    ______________%
Term Facility                          ________________   ________________    ______________%
</TABLE>

7.   Trade Date:           __________________

Effective Date: __________________, 20__ [TO BE INSERTED BY THE ADMINISTRATIVE
AGENT AND WHICH SHALL BE THE EFFECTIVE DATE OF RECORDATION OF TRANSFER IN THE
REGISTER THEREFOR.]

                                      F-2

<PAGE>

     The terms set forth in this Assignment and Assumption are hereby agreed to:

                                        ASSIGNOR
                                        [NAME OF ASSIGNOR]

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

                                        ASSIGNEE
                                        [NAME OF ASSIGNEE]

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

[Consented to and] Accepted:
JPMORGAN CHASE BANK, N.A., as
Administrative Agent, Swing Line Lender
and L/C Issuer

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

[Consented to:]
BANK OF AMERICA, N.A., as
Swing Line Lender

By:
   ----------------------------------
Title:]

[Consented to:
FIDELITY NATIONAL INFORMATION SERVICES, INC.

By:
   ----------------------------------
Title:]

                                      F-3

<PAGE>

                                            ANNEX 1 TO ASSIGNMENT AND ASSUMPTION

                        STANDARD TERMS AND CONDITIONS FOR

                            ASSIGNMENT AND ASSUMPTION

     1. Representations and Warranties.

     1.1. Assignor. The Assignor (a) represents and warrants that (i) it is the
legal and beneficial owner of the Assigned Interest, (ii) the Assigned Interest
is free and clear of any lien, encumbrance or other adverse claim, (iii) it has
full power and authority, and has taken all action necessary, to execute and
deliver this Assignment and Assumption and to consummate the transactions
contemplated hereby and (iv) the sale and assignment of the Assigned Interest is
made by this Assignment and Assumption in accordance with the terms and
conditions contained in the Credit Agreement; and (b) assumes no responsibility
with respect to (i) any statements, warranties or representations made in or in
connection with the Credit Agreement or any other Loan Document, (ii) the
execution, legality, validity, enforceability, genuineness, sufficiency or value
of the Loan Documents, (iii) the financial condition of the Company, any of its
Subsidiaries or Affiliates, or any other Person obligated in respect of any Loan
Document or (iv) the performance or observance by the Company, any of its
Subsidiaries or Affiliates, or any other Person of any of their respective
obligations under any Loan Document.

     1.2. Assignee. The Assignee (a) represents and warrants that (i) it has
full power and authority, and has taken all action necessary, to execute and
deliver this Assignment and Assumption and to consummate the transactions
contemplated hereby and to become a Lender under the Credit Agreement, (ii) it
meets all requirements of an Eligible Assignee under the Credit Agreement
(subject to receipt of such consents as may be required under the Credit
Agreement), (iii) from and after the Effective Date, it shall be bound by the
provisions of the Credit Agreement as a Lender thereunder and, to the extent of
the Assigned Interest, shall have the obligations of a Lender thereunder, (iv)
it has received a copy of the Credit Agreement, together with copies of the most
recent financial statements delivered pursuant to Section 6.01 thereof, as
applicable, and such other documents and information as it has deemed
appropriate to make its own credit analysis and decision to enter into this
Assignment and Assumption and to purchase the Assigned Interest on the basis of
which it has made such analysis and decision independently and without reliance
on the Administrative Agent or any other Lender, and (v) if it is a Foreign
Lender, attached hereto is any documentation required to be delivered by it
pursuant to the terms of the Credit Agreement, duly completed and executed by
the Assignee; and (b) agrees that (i) it will, independently and without
reliance on the Administrative Agent, the Assignor or any other Lender, and
based on such documents and information as it

                                      F-4

<PAGE>

shall deem appropriate at the time, continue to make its own credit decisions in
taking or not taking action under the Loan Documents, and (ii) it will perform
in accordance with their terms all of the obligations which by the terms of the
Loan Documents are required to be performed by it as a Lender.

     2. Payments. From and after the Effective Date, the Administrative Agent
shall make all payments in respect of the Assigned Interest (including payments
of principal, interest, fees and other amounts) to the Assignee whether such
amounts have accrued prior to or on or after the Effective Date. The Assignor
and the Assignee shall make all appropriate adjustments in payments by the
Administrative Agent for periods prior to the Effective Date or with respect to
the making of this assignment directly between themselves.

     3. General Provisions. This Assignment and Assumption shall be binding
upon, and inure to the benefit of, the parties hereto and their respective
successors and permitted assigns. This Assignment and Assumption may be executed
in any number of counterparts, which together shall constitute one instrument.
Delivery of an executed counterpart of a signature page of this Assignment and
Assumption by telecopy shall be effective as delivery of a manually executed
counterpart of this Assignment and Assumption.

     4. GOVERNING LAW. THIS ASSIGNMENT AND ASSUMPTION SHALL BE GOVERNED BY, AND
CONSTRUED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK.

                                      F-5

<PAGE>

                                                                       EXHIBIT G

                               SUBSIDIARY GUARANTY

                          Dated as of January 18, 2007

                                      From

                     THE SUBSIDIARY GUARANTORS NAMED HEREIN

                                       and

             THE ADDITIONAL SUBSIDIARY GUARANTORS REFERRED TO HEREIN

                            as Subsidiary Guarantors

                                   in favor of

                        THE LENDER PARTIES REFERRED TO IN
                     THE CREDIT AGREEMENT REFERRED TO HEREIN

<PAGE>

                                TABLE OF CONTENTS

<TABLE>
<CAPTION>
                                                                            PAGE
                                                                            ----
<S>                                                                         <C>
SECTION 1.  Guaranty; Limitation of Liability............................     1
SECTION 2.  Guaranty Absolute............................................     2
SECTION 3.  Waivers and Acknowledgments..................................     4
SECTION 4.  Subrogation..................................................     4
SECTION 5.  Payments Free and Clear of Taxes, Etc........................     5
SECTION 6.  Covenants....................................................     5
SECTION 7.  Amendments, Release of Subsidiary Guarantors, Etc............     6
SECTION 8.  Guaranty Supplements.........................................     6
SECTION 9.  Notices, Etc.................................................     6
SECTION 10. No Waiver; Remedies..........................................     7
SECTION 11. Right of Set-off.............................................     7
SECTION 12. Continuing Guaranty; Assignments under the Credit Agreement..     7
SECTION 13. Execution in Counterparts....................................     8
SECTION 14. GOVERNING LAW; JURISDICTION; WAIVER OF JURY TRIAL, ETC.......     8
Exhibit A - Guaranty Supplement
</TABLE>
<PAGE>

                               SUBSIDIARY GUARANTY

     SUBSIDIARY GUARANTY dated as of January 18, 2007 (this "GUARANTY") made by
the Persons listed on the signature pages hereof under the caption "Subsidiary
Guarantors" and the Additional Subsidiary Guarantors (as defined in Section 8)
(such Persons so listed and the Additional Subsidiary Guarantors being,
collectively, the "SUBSIDIARY GUARANTORS" and, individually, a "SUBSIDIARY
GUARANTOR") in favor of the Lender Parties (as defined in the Credit Agreement
referred to below).

                              PRELIMINARY STATEMENT

     Reference is made to the Credit Agreement dated as of January 18, 2007 (as
amended, restated, amended and restated, supplemented or otherwise modified from
time to time, the "CREDIT AGREEMENT"; the capitalized terms defined therein and
not otherwise defined herein being used herein as therein defined) among
Fidelity National Information Services, Inc., a Georgia corporation (the
"COMPANY"), the Designated Borrowers from time to time party thereto, certain
Lenders party thereto, JPMorgan Chase Bank, N.A., as L/C Issuer, Swing Line
Lender and Administrative Agent, and Bank of America, N.A., as Swing Line
Lender. Each Subsidiary Guarantor may receive, directly or indirectly, a portion
of the proceeds of the Loans under the Credit Agreement and will derive
substantial direct and indirect benefits from the transactions contemplated by
the Loan Documents. It is a condition precedent to the making of Loans and the
issuance of Letters of Credit by the Lenders under the Credit Agreement that
each Subsidiary Guarantor shall have executed and delivered this Guaranty.

     NOW, THEREFORE, in consideration of the premises and in order to induce the
Lenders to make Loans and to issue Letters of Credit under the Credit Agreement,
each Subsidiary Guarantor, jointly and severally with each other Subsidiary
Guarantor, hereby agrees as follows:

     SECTION 1. Guaranty; Limitation of Liability. (a) Each Subsidiary Guarantor
hereby, jointly and severally, absolutely, unconditionally and irrevocably
guarantees the punctual payment when due, whether at scheduled maturity or by
acceleration, demand or otherwise, of all Obligations of each Loan Party now or
hereafter existing (including, without limitation, any extensions,
modifications, substitutions, amendments or renewals of any or all of the
foregoing Obligations), whether direct or indirect, absolute or contingent, and
whether for principal, interest, fees, indemnities, contract causes of action,
costs, expenses or otherwise (such Obligations being the "GUARANTEED
OBLIGATIONS"). Without limiting the generality of the foregoing, the liability
of each Subsidiary Guarantor shall extend to all amounts that constitute part of
the Guaranteed Obligations and would be owed by any other Loan Party to any
Lender Party under or in respect of the Loan Documents but for the fact that
they are

<PAGE>

unenforceable or not allowable due to the existence of a bankruptcy,
reorganization or similar proceeding involving such other Loan Party.

     (B) Each Subsidiary Guarantor, and by its acceptance of this Guaranty, the
Administrative Agent, on behalf of itself and each other Lender Party, hereby
confirms that it is the intention of all such Persons that this Guaranty and the
Obligations of each Subsidiary Guarantor hereunder not constitute a fraudulent
transfer or conveyance for purposes of Bankruptcy Law (as hereinafter defined),
the Uniform Fraudulent Conveyance Act, the Uniform Fraudulent Transfer Act or
any similar foreign, federal or state law to the extent applicable to this
Guaranty and the Obligations of each Subsidiary Guarantor hereunder. To
effectuate the foregoing intention, the Administrative Agent, the other Lender
Parties and the Subsidiary Guarantors hereby irrevocably agree that the
Obligations of each Subsidiary Guarantor under this Guaranty at any time shall
be limited to the maximum amount as will result in the Obligations of such
Subsidiary Guarantor under this Guaranty not constituting a fraudulent transfer
or conveyance under Bankruptcy Law or any comparable provision of applicable
law. For purposes hereof, "BANKRUPTCY LAW" means any proceeding of the type
referred to in Section 8.01(f) of the Credit Agreement or Title 11, U.S. Code,
or any similar foreign, federal or state law for the relief of debtors.

     (C) Subject to Section 4 of this Guaranty, each Subsidiary Guarantor hereby
unconditionally and irrevocably agrees that in the event any payment shall be
required to be made to any Lender Party under this Guaranty or Article 10 of the
Credit Agreement or any other guaranty, such Subsidiary Guarantor will
contribute, to the maximum extent permitted by law, such amounts to each other
Subsidiary Guarantor so as to maximize the aggregate amount paid to the Lender
Parties under or in respect of the Loan Documents.

     (D) Each Subsidiary Guarantor hereby agrees that any Indebtedness owed by
it to another Loan Party shall be subordinated to the Obligations of such
Subsidiary Guarantor and that any Indebtedness owed to it by another Loan Party
shall be subordinated to the Obligations of such other Loan Party, it being
understood that such Subsidiary Guarantor or such other Loan Party, as the case
may be, may make payments on such intercompany Indebtedness unless an Event of
Default has occurred and is continuing.

     SECTION 2. Guaranty Absolute. Each Subsidiary Guarantor guarantees that the
Guaranteed Obligations will be paid in accordance with the terms of the Loan
Documents, regardless of any law, regulation or order now or hereafter in effect
in any jurisdiction affecting any of such terms or the rights of any Lender
Party with respect thereto. The Obligations of each Subsidiary Guarantor under
or in respect of this Guaranty are independent of the Guaranteed Obligations or
any other Obligations of any other Loan Party under or in respect of the Loan
Documents, and a separate action or actions may be brought and prosecuted
against each Subsidiary Guarantor to enforce this Guaranty, irrespective of

                                       2

<PAGE>

whether any action is brought against any Borrower or any other Loan Party or
whether any Borrower or any other Loan Party is joined in any such action or
actions. The liability of each Subsidiary Guarantor under this Guaranty shall be
irrevocable, absolute and unconditional, and each Subsidiary Guarantor hereby
irrevocably waives any defenses (other than payment in full of the Guaranteed
Obligations) it may now have or hereafter acquire in any way relating to, any or
all of the following:

     (A) any lack of validity or enforceability of any Loan Document or any
agreement or instrument relating thereto;

     (B) any change in the time, manner or place of payment of, or in any other
term of, all or any of the Guaranteed Obligations or any other Obligations of
any other Loan Party under or in respect of the Loan Documents, or any other
amendment or waiver of or any consent to departure from any Loan Document,
including, without limitation, any increase in the Guaranteed Obligations
resulting from the extension of additional credit to any Loan Party or any of
its Subsidiaries or otherwise;

     (C) any taking, release or amendment or waiver of, or consent to departure
from, any other guaranty, for all or any of the Guaranteed Obligations;

     (D) any change, restructuring or termination of the corporate structure or
existence of any Loan Party or any of its Subsidiaries;

     (E) any failure of any Lender Party to disclose to any Loan Party any
information relating to the business, condition (financial or otherwise),
operations, performance, properties or prospects of any other Loan Party now or
hereafter known to such Lender Party (each Subsidiary Guarantor waiving any duty
on the part of the Lender Parties to disclose such information);

     (F) the failure of any other Person to execute or deliver this Guaranty,
any Guaranty Supplement (as hereinafter defined) or any other guaranty or
agreement or the release or reduction of liability of any Subsidiary Guarantor
or other guarantor or surety with respect to the Guaranteed Obligations; or

     (G) any other circumstance or any existence of or reliance on any
representation by any Lender Party that might otherwise constitute a defense
available to, or a discharge of, any Loan Party or any other guarantor or surety
other than satisfaction in full of the Guaranteed Obligations.

This Guaranty shall continue to be effective or be reinstated, as the case may
be, if at any time any payment of any of the Guaranteed Obligations is rescinded
or must otherwise be returned by any Lender Party or any other Person upon the
insolvency, bankruptcy or reorganization of any Borrower or any other Loan Party
or otherwise, all as though such payment had not been made.

                                       3

<PAGE>

     SECTION 3. Waivers and Acknowledgments. (a) Each Subsidiary Guarantor
hereby unconditionally and irrevocably waives promptness, diligence, notice of
acceptance, presentment, demand for performance, notice of non-performance,
default, acceleration, protest or dishonor and any other notice with respect to
any of the Guaranteed Obligations and this Guaranty (other than any demand,
presentment or notice required by the Loan Documents) and any requirement that
any Lender Party exhaust any right or take any action against any Loan Party or
any other Person.

     (B) Each Subsidiary Guarantor hereby unconditionally and irrevocably waives
any right to revoke this Guaranty and acknowledges that this Guaranty is
continuing in nature and applies to all Guaranteed Obligations, whether existing
now or in the future.

     (C) Each Subsidiary Guarantor hereby unconditionally and irrevocably waives
(i) any defense arising by reason of any claim or defense based upon an election
of remedies by any Lender Party that in any manner impairs, reduces, releases or
otherwise adversely affects the subrogation, reimbursement, exoneration,
contribution or indemnification rights of such Subsidiary Guarantor or other
rights of such Subsidiary Guarantor to proceed against any other Loan Party, any
other guarantor or any other Person and (ii) any defense based on any right of
set-off or counterclaim against or in respect of the Obligations of such
Subsidiary Guarantor hereunder.

     (D) Each Subsidiary Guarantor hereby unconditionally and irrevocably waives
any duty on the part of any Lender Party to disclose to such Subsidiary
Guarantor any matter, fact or thing relating to the business, condition
(financial or otherwise), operations, performance, properties or prospects of
any other Loan Party or any of its Subsidiaries now or hereafter known by such
Lender Party.

     (E) Each Subsidiary Guarantor acknowledges that it will receive substantial
direct and indirect benefits from the financing arrangements contemplated by the
Loan Documents and that the waivers set forth in Section 2 and this Section 3
are knowingly made in contemplation of such benefits.

     SECTION 4. Subrogation. Each Subsidiary Guarantor hereby unconditionally
and irrevocably agrees not to exercise any rights that it may now have or
hereafter acquire against any other Loan Party that arise from the existence,
payment, performance or enforcement of such Subsidiary Guarantor's Obligations
under or in respect of this Guaranty or any other Loan Document, including,
without limitation, any right of subrogation, reimbursement, exoneration,
contribution or indemnification and any right to participate in any claim or
remedy of any Lender Party against any other Loan Party, whether or not such
claim, remedy or right arises in equity or under contract, statute or common
law, including, without limitation, the right to take or receive from any other
Loan Party, directly or indirectly, in cash or other property or by set-off or
in any other

                                       4

<PAGE>

manner, payment or security on account of such claim, remedy or right, unless
and until all of the Guaranteed Obligations and all other amounts payable under
this Guaranty shall have been paid in full in cash, all Letters of Credit shall
have expired or been terminated or otherwise provided for in full in a manner
reasonably satisfactory to the L/C Issuer and the Commitments shall have expired
or been terminated. If any amount shall be paid to any Subsidiary Guarantor in
violation of the immediately preceding sentence at any time prior to the latest
of (a) the payment in full in cash of the Guaranteed Obligations and all other
amounts payable under this Guaranty, (b) the final Maturity Date and (c) the
latest date of expiration or termination of all Letters of Credit or other
provision therefor in full in a manner reasonably satisfactory to the L/C
Issuer, such amount shall be received and held in trust for the benefit of the
Lender Parties, shall be segregated from other property and funds of such
Subsidiary Guarantor and shall forthwith be paid or delivered to the
Administrative Agent in the same form as so received (with any necessary
endorsement or assignment) to be credited and applied to the Guaranteed
Obligations and all other amounts payable under this Guaranty, whether matured
or unmatured, in accordance with the terms of the Loan Documents. If (i) all of
the Guaranteed Obligations and all other amounts payable under this Guaranty
shall have been paid in full in cash, (ii) the final Maturity Date shall have
occurred and (iii) all Letters of Credit shall have expired or been terminated
or other provision therefor in full shall have been made in a manner reasonably
satisfactory to the L/C Issuer, the Lender Parties will, at any Subsidiary
Guarantor's request and expense, execute and deliver to such Subsidiary
Guarantor appropriate documents, without recourse and without representation or
warranty, necessary to evidence the transfer by subrogation to such Subsidiary
Guarantor of an interest in the Guaranteed Obligations resulting from such
payment made by such Subsidiary Guarantor pursuant to this Guaranty.

     SECTION 5. Payments Free and Clear of Taxes, Etc. Any and all payments by
any Subsidiary Guarantor under this Guaranty or any other Loan Document shall be
made in accordance with the terms of the Credit Agreement, including the
provisions of Section 3.01 of the Credit Agreement (and such Subsidiary
Guarantor shall make such payments of Taxes and Other Taxes to the extent
described in Section 3.01), as though such payments were made by a Borrower.

     SECTION 6. Covenants. Each Subsidiary Guarantor covenants and agrees that,
so long as any part of the Guaranteed Obligations shall remain unpaid, any
Letter of Credit shall be outstanding or not otherwise provided for in full in a
manner reasonably satisfactory to the L/C Issuer or any Lender shall have any
Commitment, such Subsidiary Guarantor will perform and observe, and cause each
of its Restricted Subsidiaries to perform and observe, all of the terms,
covenants and agreements set forth in the Loan Documents on its or their part to
be performed or observed or that the Company has agreed to cause such Subsidiary
Guarantor or such Restricted Subsidiaries to perform or observe.

                                       5

<PAGE>

     SECTION 7. Amendments, Release of Subsidiary Guarantors, Etc. No amendment
or waiver of any provision of this Guaranty and no consent to any departure by
any Subsidiary Guarantor therefrom shall in any event be effective unless the
same shall be in writing and signed by the Administrative Agent and the
Subsidiary Guarantors (with the consent of the requisite number of Lenders
specified in the Credit Agreement) and then such waiver or consent shall be
effective only in the specific instance and for the specific purpose for which
given. A Subsidiary Guarantor shall automatically be released from this Guaranty
and its obligations hereunder (a) upon consummation of any transaction or
designation permitted by the Credit Agreement as a result of which such
Subsidiary Guarantor (i) ceases to be a Restricted Subsidiary, (ii) ceases to be
a Subsidiary or (iii) becomes a Foreign Subsidiary or a Domestic Subsidiary of a
Foreign Subsidiary, in each case to the extent permitted by the Credit Agreement
(provided that no such release shall occur if such Subsidiary Guarantor is a
guarantor in respect of Permitted Subordinated Indebtedness) or (b) if the
Company determines that such Subsidiary Guarantor is no longer required under
Section 6.12 of the Credit Agreement to be a Subsidiary Guarantor and gives
notice to that effect to the Administrative Agent. The Administrative Agent
will, at the Company's expense, execute and deliver to such Subsidiary Guarantor
such documents as the Company shall reasonably request to evidence the release
of such Subsidiary Guarantor from its Guarantee hereunder pursuant to this
Section 7; provided that the Company shall have delivered to the Administrative
Agent a written request therefor and a certificate of the Company to the effect
that the transaction, designation or determination, as the case may be, is in
compliance with the Loan Documents. The Administrative Agent shall be authorized
to rely on any such certificate without independent investigation.

     SECTION 8. Guaranty Supplements. Upon the execution and delivery by any
Person of a guaranty supplement in substantially the form of Annex A hereto
(each, a "GUARANTY SUPPLEMENT"), (a) such Person shall be referred to as an
"ADDITIONAL SUBSIDIARY GUARANTOR" and shall become and be a Subsidiary Guarantor
hereunder, and each reference in this Guaranty to a "SUBSIDIARY GUARANTOR" shall
also mean and be a reference to such Additional Subsidiary Guarantor, and each
reference in any other Loan Document to a "SUBSIDIARY GUARANTOR" shall also mean
and be a reference to such Additional Subsidiary Guarantor, and (b) each
reference herein to "THIS GUARANTY", "HEREUNDER", "HEREOF" or words of like
import referring to this Guaranty, and each reference in any other Loan Document
to the "SUBSIDIARY GUARANTY", "THEREUNDER", "THEREOF" or words of like import
referring to this Guaranty, shall mean and be a reference to this Guaranty as
supplemented by such Guaranty Supplement.

     SECTION 9. Notices, Etc. All notices and other communications provided for
hereunder shall be in writing (including, without limitation, telegraphic,
telecopy or telex communication or facsimile transmission) and mailed,
telegraphed, telecopied, telexed, faxed or delivered to it, if to any Subsidiary
Guarantor, addressed to it in care of the Company at the Company's

                                       6

<PAGE>

address specified in Section 11.02 of the Credit Agreement, if to any Agent or
any Lender, at its address specified in Section 11.02 of the Credit Agreement,
or, as to any party, at such other address as shall be designated by such party
in a written notice to each other party. All such notices and other
communications shall be deemed to be given or made at such time as shall be set
forth in Section 11.02 of the Credit Agreement. Delivery by telecopier or
electronic mail of an executed counterpart of a signature page to any amendment
or waiver of any provision of this Guaranty or of any Guaranty Supplement to be
executed and delivered hereunder shall be effective as delivery of an original
executed counterpart thereof.

     SECTION 10. No Waiver; Remedies. No failure on the part of any Lender Party
to exercise, and no delay in exercising, any right hereunder shall operate as a
waiver thereof; nor shall any single or partial exercise of any right hereunder
preclude any other or further exercise thereof or the exercise of any other
right. The remedies herein provided are cumulative and not exclusive of any
remedies provided by law.

     SECTION 11. Right of Set-off. Upon (a) the occurrence and during the
continuance of any Event of Default and (b) the making of the request or the
granting of the consent specified by Section 8.02 of the Credit Agreement to
authorize the Administrative Agent to declare the Loans due and payable pursuant
to the provisions of said Section 8.02, the Administrative Agent and, after
obtaining the prior written consent of the Administrative Agent, each other
Agent and each Lender is hereby authorized at any time and from time to time, to
the fullest extent permitted by law, to set off and apply any and all deposits
(general or special, time or demand, provisional or final, but not any deposits
held in a custodial, trust or other fiduciary capacity) at any time held and
other indebtedness at any time owing by such Agent or such Lender to or for the
credit or the account of any Subsidiary Guarantor against any and all of the
Obligations of such Subsidiary Guarantor now or hereafter existing under any
Loan Document, irrespective of whether such Agent or such Lender shall have made
any demand under this Guaranty or any other Loan Document and although such
Obligations may be unmatured. Each Agent and each Lender agrees promptly to
notify such Subsidiary Guarantor after any such set-off and application;
provided that the failure to give such notice shall not affect the validity of
such set-off and application. The rights of each Agent and each Lender under
this Section are in addition to other rights and remedies (including, without
limitation, other rights of set-off) that such Agent and such Lender may have.

     SECTION 12. Continuing Guaranty; Assignments under the Credit Agreement.
This Guaranty is a continuing guaranty and shall (a) remain in full force and
effect until the latest of (i) the payment in full in cash of the Guaranteed
Obligations and all other amounts payable under this Guaranty, (ii) the final
Maturity Date and (iii) the latest date of expiration or termination of all
Letters of Credit or other provision therefor in full in a manner reasonably
satisfactory to the

                                       7

<PAGE>

L/C Issuer, (b) be binding upon each Subsidiary Guarantor, its successors and
assigns and (c) inure to the benefit of and be enforceable by the Lender Parties
and their permitted successors, transferees and assigns. Without limiting the
generality of clause (c) of the immediately preceding sentence, any Lender Party
may assign or otherwise transfer all or any portion of its rights and
obligations under the Credit Agreement (including, without limitation, all or
any portion of its Commitments, the Loans owing to it and the Note or Notes held
by it) to any other Person, and such other Person shall thereupon become vested
with all the benefits in respect thereof granted to such Lender Party herein or
otherwise, in each case as and to the extent provided in Section 11.07 of the
Credit Agreement. Except as expressly provided in the Credit Agreement, no
Subsidiary Guarantor shall have the right to assign its rights hereunder or any
interest herein without the prior written consent of all Lenders.

     SECTION 13. Execution in Counterparts. This Guaranty and each amendment,
waiver and consent with respect hereto may be executed in any number of
counterparts and by different parties thereto in separate counterparts, each of
which when so executed shall be deemed to be an original and all of which taken
together shall constitute one and the same agreement. Delivery of an executed
counterpart of a signature page to this Guaranty by telecopier shall be
effective as delivery of an original executed counterpart of this Guaranty.

     SECTION 14. GOVERNING LAW; JURISDICTION; WAIVER OF JURY TRIAL, ETC. (a)
THIS GUARANTY SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS
OF THE STATE OF NEW YORK.

     (B) ANY LEGAL ACTION OR PROCEEDING WITH RESPECT TO THIS GUARANTY OR ANY
OTHER LOAN DOCUMENT MAY BE BROUGHT IN THE COURTS OF THE STATE OF NEW YORK
SITTING IN NEW YORK CITY OR OF THE UNITED STATES FOR THE SOUTHERN DISTRICT OF
SUCH STATE, AND BY EXECUTION AND DELIVERY OF THIS GUARANTY, EACH PARTY HERETO
CONSENTS, FOR ITSELF AND IN RESPECT OF ITS PROPERTY, TO THE NON-EXCLUSIVE
JURISDICTION OF THOSE COURTS. EACH PARTY HERETO IRREVOCABLY WAIVES ANY
OBJECTION, INCLUDING, WITHOUT LIMITATION, ANY OBJECTION TO THE LAYING OF VENUE
OR BASED ON THE GROUNDS OF FORUM NON CONVENIENS, WHICH IT MAY NOW OR HEREAFTER
HAVE TO THE BRINGING OF ANY ACTION OR PROCEEDING IN SUCH JURISDICTION IN RESPECT
OF ANY LOAN DOCUMENT OR OTHER DOCUMENT RELATED THERETO.

     (C) EACH PARTY HERETO HEREBY IRREVOCABLY WAIVES ALL RIGHT TO TRIAL BY JURY
IN ANY CLAIM, DEMAND, ACTION, OR CAUSE OF ACTION (WHETHER BASED ON CONTRACT,
TORT OR

                                       8

<PAGE>

OTHERWISE) ARISING OUT OF OR RELATING TO ANY OF THE LOAN DOCUMENTS OR THE
TRANSACTIONS RELATED THERETO.

            [THE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK.]

                                       9

<PAGE>

     IN WITNESS WHEREOF, each Subsidiary Guarantor has caused this Guaranty to
be duly executed and delivered by its duly authorized signatory as of the date
first above written.

          Subsidiary Guarantors:

          Aurum Technology Inc.
          Certegy Check Services, Inc.
          Certegy Payment Recovery Services, Inc.
          Clear Par, LLC
          DOCX, LLC
          Fidelity Information Services, Inc.
          Fidelity Information Services International Holdings, Inc.
          Fidelity International Resource Management, Inc.
          Fidelity National Agency Sales and Posting
          Fidelity National Card Services, Inc.
          Fidelity National Credit Services, Inc.
          Fidelity National E-Banking Services, Inc.
          Fidelity National Field Services, Inc.
          Fidelity National Foreclosure Solutions, Inc.
          Fidelity National Global Card Services, Inc.
          Fidelity National Information Services, LLC
          Fidelity National Information Solutions, Inc.
          Fidelity National Payment Services, Inc.
          Fidelity National Tax Service, Inc.
          Fidelity National Transaction Services, Inc.
          Fidelity Output Solutions, LP
          FNF Capital Leasing, Inc.
          FNF Capital, LLC
          FNIS Flood Group, LLC
          FNIS Flood Services, L.P.
          Game Financial Corporation
          Geotrac, Inc.
          Hansen Quality, LLC
          InterCept, Inc.
          InterCept Services, LLC
          InterCept TX I, LLC
          International Data Management Corporation
          Investment Property Exchange Services, Inc.
          LRT Record Services, Inc.

<PAGE>

          LSI Appraisal, LLC
          LSI Title Agency, Inc.
          LSI Title Company
          Property Insight, LLC

          Each By:
                    -----------------------------------
                    Name:
                    Title:

                                       2

<PAGE>

Accepted and agreed:

JPMORGAN CHASE BANK, N.A., as
Administrative Agent

By:
   ----------------------------------
   Name:
   Title:

                                       3
<PAGE>

                                                                         ANNEX A
                                                                          TO THE
                                                             SUBSIDIARY GUARANTY

                     FORM OF SUBSIDIARY GUARANTY SUPPLEMENT

                                                              _________ __, ____

JPMorgan Chase Bank, N.A., as Administrative Agent
1111 Fannin Street, Floor 10
Houston, Texas 77002-6925

Attention: _________

Re: Credit Agreement dated as of January 18, 2007 (as amended, restated, amended
and restated, supplemented or otherwise modified from time to time, the "CREDIT
AGREEMENT") among Fidelity National Information Services, Inc., a Georgia
corporation, the Designated Borrowers from time to time party thereto, the
Lenders party thereto and JPMorgan Chase Bank, N.A., as L/C Issuer, Swing Line
Lender and Administrative Agent, and Bank of America, N.A., as Swing Line
Lender.

Ladies and Gentlemen:

     Reference is made to the Credit Agreement and to the Subsidiary Guaranty
referred to therein (such Subsidiary Guaranty, as in effect on the date hereof
and as it may hereafter be amended, supplemented or otherwise modified from time
to time, together with this Subsidiary Guaranty Supplement (this "GUARANTY
SUPPLEMENT"), being the "SUBSIDIARY GUARANTY"). The capitalized terms defined in
the Subsidiary Guaranty or in the Credit Agreement and not otherwise defined
herein are used herein as therein defined.

     Section 1. Guaranty; Limitation of Liability. (a) The undersigned hereby,
jointly and severally with the other Subsidiary Guarantors, absolutely,
unconditionally and irrevocably guarantees the punctual payment when due,
whether at scheduled maturity or by acceleration, demand or otherwise, of all
Obligations of each other Loan Party now or hereafter existing under or in
respect of the Loan Documents (including, without limitation, any extensions,
modifications, substitutions, amendments or renewals of any or all of the
foregoing Obligations), whether direct or indirect, absolute or contingent, and
whether for principal, interest, fees, indemnities, contract causes of action,
costs, expenses or otherwise (such Obligations being the "GUARANTEED
OBLIGATIONS"). Without limiting the generality of the foregoing, the
undersigned's liability shall extend to all amounts that constitute part of the
Guaranteed Obligations and would be owed by any other Loan Party to any Lender
Party under or in respect of

                                      A-1

<PAGE>

the Loan Documents but for the fact that they are unenforceable or not allowable
due to the existence of a bankruptcy, reorganization or similar proceeding
involving such other Loan Party.

     (b) The undersigned, and by its acceptance of this Guaranty Supplement, the
Administrative Agent, on behalf of itself and each other Lender Party, hereby
confirms that it is the intention of all such Persons that this Guaranty
Supplement, the Subsidiary Guaranty and the Obligations of the undersigned
hereunder and thereunder not constitute a fraudulent transfer or conveyance for
purposes of Bankruptcy Law (as hereinafter defined), the Uniform Fraudulent
Conveyance Act, the Uniform Fraudulent Transfer Act or any similar foreign,
federal or state law to the extent applicable to this Guaranty Supplement and
the Obligations of each Subsidiary Guarantor hereunder. To effectuate the
foregoing intention, the Administrative Agent, the other Lender Parties and the
undersigned hereby irrevocably agree that the Obligations of the undersigned
Guarantor under this Guaranty Supplement and the Subsidiary Guaranty at any time
shall be limited to the maximum amount as will result in the Obligations of the
undersigned under this Guaranty Supplement and the Subsidiary Guaranty not
constituting a fraudulent transfer or conveyance under Bankruptcy Law or any
comparable provision of applicable law.

     (c) Subject to Section 4 of the Subsidiary Guaranty, the undersigned hereby
unconditionally and irrevocably agrees that in the event any payment shall be
required to be made to any Lender Party under this Guaranty Supplement, the
Subsidiary Guaranty, Article 10 of the Credit Agreement or any other guaranty,
the undersigned will contribute, to the maximum extent permitted by applicable
law, such amounts to each other Subsidiary Guarantor so as to maximize the
aggregate amount paid to the Lender Parties under or in respect of the Loan
Documents.

     (d) The undersigned hereby agrees that any Indebtedness owed by it to
another Loan Party shall be subordinated to the Obligations of the undersigned
and that any Indebtedness owed to it by another Loan Party shall be subordinated
to the Obligations of such other Loan Party, it being understood that the
undersigned or such other Loan Party, as the case may be, may make payments on
such intercompany Indebtedness unless an Event of Default has occurred and is
continuing.

     Section 2. Obligations Under the Guaranty. The undersigned hereby agrees,
as of the date first above written, to be bound as a Subsidiary Guarantor by all
of the terms and conditions of the Subsidiary Guaranty to the same extent as
each of the other Subsidiary Guarantors thereunder. The undersigned further
agrees, as of the date first above written, that each reference in the
Subsidiary Guaranty to an "ADDITIONAL SUBSIDIARY GUARANTOR" or a "SUBSIDIARY
GUARANTOR" shall also mean and be a reference to the undersigned, and each
reference in any other Loan Document to a "SUBSIDIARY GUARANTOR" or a "LOAN
PARTY" shall also mean and be a reference to the undersigned.

                                      A-2

<PAGE>

     Section 3. Delivery by Telecopier. This Guaranty Supplement may be executed
in any number of counterparts and by different parties thereto in separate
counterparts, each of which when so executed shall be deemed to be an original
and all of which taken together shall constitute one and the same agreement.
Delivery of an executed counterpart of a signature page to this Guaranty
Supplement by telecopier or electronic mail shall be effective as delivery of an
original executed counterpart of this Guaranty Supplement.

     Section 4. GOVERNING LAW; JURISDICTION; WAIVER OF JURY TRIAL, ETC. (a) THIS
GUARANTY SUPPLEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE
LAWS OF THE STATE OF NEW YORK.

     (b) ANY LEGAL ACTION OR PROCEEDING WITH RESPECT TO THIS GUARANTY OR ANY
OTHER LOAN DOCUMENT MAY BE BROUGHT IN THE COURTS OF THE STATE OF NEW YORK
SITTING IN NEW YORK CITY OR OF THE UNITED STATES FOR THE SOUTHERN DISTRICT OF
SUCH STATE, AND BY EXECUTION AND DELIVERY OF THIS GUARANTY SUPPLEMENT, EACH
PARTY HERETO CONSENTS, FOR ITSELF AND IN RESPECT OF ITS PROPERTY, TO THE
NON-EXCLUSIVE JURISDICTION OF THOSE COURTS. EACH PARTY HERETO IRREVOCABLY WAIVES
ANY OBJECTION, INCLUDING, WITHOUT LIMITATION, ANY OBJECTION TO THE LAYING OF
VENUE OR BASED ON THE GROUNDS OF FORUM NON CONVENIENS, WHICH IT MAY NOW OR
HEREAFTER HAVE TO THE BRINGING OF ANY ACTION OR PROCEEDING IN SUCH JURISDICTION
IN RESPECT OF ANY LOAN DOCUMENT OR OTHER DOCUMENT RELATED THERETO.

                                      A-3

<PAGE>

     (c) EACH PARTY HERETO HEREBY IRREVOCABLY WAIVES ALL RIGHT TO TRIAL BY JURY
IN ANY CLAIM, DEMAND, ACTION OR CAUSE OF ACTION (WHETHER BASED ON CONTRACT, TORT
OR OTHERWISE) ARISING OUT OF OR RELATING TO ANY OF THE LOAN DOCUMENTS OR THE
TRANSACTIONS RELATED THERETO.

                                        Very truly yours,

                                        [NAME OF ADDITIONAL SUBSIDIARY
                                        GUARANTOR]

                                        By:
                                            ------------------------------------
                                            Name:
                                            Title:

Accepted and agreed:

JPMORGAN CHASE BANK, N.A., as
Administrative Agent

By:
    ---------------------------------
    Name:
    Title:

                                      A-4

<PAGE>

                                                                       EXHIBIT H

                           FORM OF DESIGNATED BORROWER
                        REQUEST AND ASSUMPTION AGREEMENT

                                                        Date: ___________, _____

To: JPMorgan Chase Bank, N.A., as Administrative Agent

Ladies and Gentlemen:

     This Designated Borrower Request and Assumption Agreement is made and
delivered pursuant to Section 2.15 of that certain Credit Agreement, dated as of
January 18, 2007 (as amended, restated, extended, supplemented or otherwise
modified in writing from time to time, the "AGREEMENT"), among Fidelity National
Information Services, Inc., a Georgia corporation (the "COMPANY"), the
Designated Borrowers from time to time party thereto, each lender party thereto,
JPMorgan Chase Bank, N.A., as Administrative Agent, Swing Line Lender and L/C
Issuer, and Bank of America, N.A., as Swing Line Lender. All capitalized terms
used in this Designated Borrower Request and Assumption Agreement and not
otherwise defined herein shall have the meanings assigned to them in the
Agreement.

     Each of ______________________ (the "DESIGNATED BORROWER") and the Company
hereby confirms, represents and warrants to the Administrative Agent and the
Lenders that the Designated Borrower is a [Domestic/Foreign] Subsidiary of the
Company.

     The documents required to be delivered to the Administrative Agent under
Section 2.15 of the Agreement will be furnished to the Administrative Agent in
accordance with the requirements of the Agreement.

     The true and correct unique identification number that has been issued to
the Designated Borrower by its jurisdiction of organization and the name of such
jurisdiction are set forth below:

<TABLE>
<CAPTION>
IDENTIFICATION NUMBER   JURISDICTION OF ORGANIZATION
---------------------   ----------------------------
<S>                     <C>

</TABLE>

     The parties hereto hereby confirm that with effect from the date hereof,
the Designated Borrower shall have obligations, duties and liabilities toward
each of the other parties to the Agreement identical to those which the
Designated

                                      H-1

<PAGE>

Borrower would have had if the Designated Borrower had been an original party to
the Agreement on the Closing Date as a Designated Borrower. The Designated
Borrower confirms its acceptance of, and consents to, all representations and
warranties, covenants, and other terms and provisions of the Agreement
applicable to such Designated Borrower.

     The parties hereto hereby request that the Designated Borrower be entitled
to receive Loans under the Agreement, and understand, acknowledge and agree that
neither the Designated Borrower nor the Company on its behalf shall have any
right to request any Loans for its account unless and until the date five
Business Days after the effective date designated by the Administrative Agent in
a Designated Borrower Notice delivered to the Company and the Lenders pursuant
to Section 2.15 of the Agreement.

     This Designated Borrower Request and Assumption Agreement shall constitute
a Loan Document under the Agreement.

     THIS DESIGNATED BORROWER REQUEST AND ASSUMPTION AGREEMENT SHALL BE GOVERNED
BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK.

     IN WITNESS WHEREOF, the parties hereto have caused this Designated Borrower
Request and Assumption Agreement to be duly executed and delivered by their
proper and duly authorized officers as of the day and year first above written.

                                        [NAME OF DESIGNATED BORROWER]

                                        By:
                                            ------------------------------------
                                            Name:
                                            Title:

                                        FIDELITY NATIONAL INFORMATION
                                        SERVICES, INC.

                                        By:
                                            ------------------------------------
                                            Name:
                                            Title:

                                      H-2

<PAGE>

                                                                       EXHIBIT I

                       FORM OF DESIGNATED BORROWER NOTICE

                                                        Date: ___________, _____

To: Fidelity National Information Services, Inc.
    The Lenders party to the Credit Agreement referred to below

Ladies and Gentlemen:

     This Designated Borrower Notice is made and delivered pursuant to Section
2.15 of that certain Credit Agreement, dated as of January 18, 2007 (as amended,
restated, extended, supplemented or otherwise modified in writing from time to
time, the "AGREEMENT"), among Fidelity National Information Services, Inc., a
Georgia corporation (the "COMPANY"), the Designated Borrowers from time to time
party thereto, each lender party thereto, JPMorgan Chase Bank, N.A., as
Administrative Agent, Swing Line Lender and L/C Issuer, and Bank of America,
N.A., as Swing Line Lender. All capitalized terms used in this Designated
Borrower Notice and not otherwise defined herein shall have the meanings
assigned to them in the Agreement.

     The Administrative Agent hereby notifies Company and the Lenders that
effective as of the date hereof [_________________________] shall be a
Designated Borrower and may receive Loans for its account on the terms and
conditions set forth in the Agreement.

     This Designated Borrower Notice shall constitute a Loan Document under the
Credit Agreement.

                                        JPMORGAN CHASE BANK, N.A., as
                                        Administrative Agent

                                        By:
                                            ------------------------------------
                                            Name:
                                            Title:

                                      I-1

<PAGE>

                                                                       EXHIBIT J

                           FORM OF SUBORDINATION TERMS

     Section 1. Agreement to Subordinate. The Company's obligations to [INSERT
NAME OF LENDER] ("SUBORDINATED LENDER") under this [INSERT NAME OF DOCUMENT]
(the "SUBORDINATED OBLIGATIONS") are subordinated in right of payment, to the
extent and in the manner provided in [this Note/Instrument], to the prior
payment of all Senior Debt. "SENIOR DEBT" shall include the Obligations (as
defined in the Credit Agreement dated as of January 18, 2007 (as in effect from
time to time, the "CREDIT AGREEMENT") among Fidelity National Information
Services, Inc., JPMorgan Chase Bank, N.A., as Administrative Agent (the
"ADMINISTRATIVE AGENT") and as Swing Line Lender and L/C Issuer, Bank of
America, N.A., as Swing Line Lender, and the Lenders party thereto), and "SENIOR
LENDERS" means the holders from time to time of the Senior Debt. The
subordination provisions of [this Note/Instrument] are for the benefit of and
enforceable by the Senior Lenders.

     Section 2. Liquidation, Dissolution, Bankruptcy. Upon any payment or
distribution of the assets of the Company to creditors upon a total or partial
liquidation or a total or partial dissolution of the Company or in a bankruptcy,
reorganization, insolvency, receivership or similar proceeding relating to the
Company or its property:

          (1) the Senior Lenders are entitled to receive payment in full in cash
     of all Senior Debt, including all interest accrued or accruing on the
     Senior Debt after the commencement of any bankruptcy, insolvency or
     reorganization or similar case or proceeding at the contract rate
     (including, without limitation, any contract rate applicable upon default)
     specified in the Credit Agreement, whether or not the claim for the
     interest is allowed or allowable as a claim in the case or proceeding with
     respect to the Senior Debt (only such payment constituting "PAYMENT IN
     FULL") before the Subordinated Lender will be entitled to receive any
     payment of principal of or interest on the Subordinated Obligations (except
     for payments made in permitted junior securities or from a satisfaction and
     discharge or defeasance trust); and

          (2) until the Senior Debt is paid in full, any payment or distribution
     to which the Subordinated Lender would be entitled but for these
     subordination provisions shall instead be made to the Senior Lenders as
     their interests may appear.

     Section 3. Default on Senior Debt. (a) The Company shall not pay the
principal of or interest on the Subordinated Obligations ("PAY THE SUBORDINATED

                                      J-1

<PAGE>

OBLIGATIONS") if either of the following occurs (each a "PAYMENT DEFAULT") (i)
at the time any Senior Debt has not been paid in full in cash when due, whether
at maturity, upon acceleration, or otherwise, and the default has not been cured
or waived or (ii) any other default on the Senior Debt occurs and the maturity
of the Senior Debt is accelerated in accordance with its terms, unless such
acceleration has been rescinded or such Senior Debt has been paid in full in
cash.

     (b) During the continuance of any default other than a Payment Default with
respect to any Senior Debt pursuant to which the maturity thereof may be
accelerated immediately without further notice (except any notice that may be
required to effect acceleration) or upon the expiration of a grace period, the
Company may not pay the Subordinated Obligations for a period (a "PAYMENT
BLOCKAGE PERIOD")

          (1) commencing upon the receipt by the Company of written notice of
     default from the Administrative Agent specifying an election to effect a
     Payment Blockage Period (a "BLOCKAGE NOTICE") and

          (2) ending 179 days thereafter (or earlier if the Payment Blockage
     Period is terminated) (i) by written notice to the Company from the
     Administrative Agent, (ii) by repayment in full of such Senior Debt or
     (iii) because the default giving rise to the Blockage Notice is no longer
     continuing.

Subject to the preceding paragraph, unless the Senior Lenders have accelerated
the maturity of the Senior Debt, the Company may resume payments on the
Subordinated Obligations after the Payment Blockage Period.

     (c) Not more than one Blockage Notice may be given in any consecutive
360-day period, irrespective of the number of defaults with respect to the
Senior Debt during such period. No default which existed or was continuing on
the date of the commencement of any Payment Blockage Period may be made the
basis of the commencement of a subsequent Payment Blockage Period by the Senior
Lenders, whether or not within a period of 360 consecutive days, unless the
default has been cured or waived for a period of not less than 90 consecutive
days.

     Section 4. When Distribution Must Be Paid Over. If a payment or other
distribution is made to the Subordinated Lender that because of these
subordination provisions should not have been made to it, the Subordinated
Lender shall hold it in trust for the Senior Lenders and pay it over to them as
their interests may appear.

     Section 5. Subrogation. For purposes of subrogation, a distribution made
under these subordination provisions to the Senior Lenders which otherwise

                                      J-2

<PAGE>

would have been made to the Subordinated Lender is not, as between the Company
and the Subordinated Lender, a payment by the Company on the Senior Debt. After
all Senior Debt is paid in full and until the Subordinated Obligations are paid
in full, the Subordinated Lender will be subrogated to the rights of the Senior
Lenders to receive payments in respect of the Senior Debt.

     Section 6. Relative Rights; Subordination Not to Prevent Events of Default
or Limit Right to Accelerate. These subordination provisions define the relative
rights of the Subordinated Lender and the Senior Lenders and do not impair, as
between the Company and the Subordinated Lender, the obligation of the Company,
which is absolute and unconditional, to pay principal of and interest on the
Subordinated Obligations in accordance with their terms. The failure to make a
payment pursuant to the Subordinated Obligations by reason of these
subordination provisions does not prevent the occurrence of a Default, nor do
these subordination provisions prevent the Subordinated Lender from exercising
its available remedies upon a Default, subject to the rights of the Senior
Lenders to receive distributions otherwise payable to the Subordinated Lender.

     Section 7. Subordination May Not Be Impaired By Company. No right of any
Senior Lender to enforce the subordination of the Subordinated Obligations will
be impaired by any act or failure to act by the Company or by its failure to
comply with [Sections 1-9].

     Section 8. Subordinated Lender Entitled to Rely. For the purpose of
ascertaining the outstanding amount of the Senior Debt, the Senior Lenders, and
all other information relevant to making any payment or distribution to the
Senior Lenders pursuant to [Sections 1-9], the Subordinated Lender is entitled
to rely upon an order or decree of a court of competent jurisdiction in which
any proceedings of the nature referred to in Section 2 above are pending, a
certificate of the liquidating trustee or other person making a payment or
distribution to the Subordinated Lender, or information provided by the Senior
Lenders or the Administrative Agent.

     Section 9. Reliance by Senior Lenders on Subordination Provisions; No
Waiver. (a) The Subordinated Lender acknowledges and agrees that these
subordination provisions are, and are intended to be, an inducement and a
consideration to each Senior Lender, whether the Senior Debt was created or
acquired before or after the incurrence of the Subordinated Obligations, to
acquire or to hold the Senior Debt, and each Senior Lender will be deemed
conclusively to have relied on these subordination provisions in acquiring and
holding such Senior Debt.

     (b) The Senior Lenders may, at any time and from time to time, without the
consent of or notice to the Subordinated Lender, without incurring any liability
or responsibility to the Subordinated Lender, and without impairing

                                      J-3

<PAGE>

the rights of the Senior Lenders under these subordination provisions, do any of
the following:

          (1) change the manner, place or terms of payment or extend the time of
     payment of, or renew or alter, the Senior Debt or any instrument evidencing
     the same or any agreement under which the Senior Debt is outstanding or
     secured;

          (2) sell, exchange, release or otherwise deal with any property
     pledged, mortgaged or otherwise securing the Senior Debt;

          (3) release any person liable in any manner for the payment of the
     Senior Debt; or

          (4) exercise or refrain from exercising any rights against the Company
     and any other person.

                                      J-4

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00161-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00161-of-00352.parquet"}]]