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                                                                    Exhibit 10.8

                     FNF STARTER REPOSITORY ACCESS AGREEMENT

This FNF Starter Repository Access Agreement (this "Agreement"), dated
__________, 2004 (the "Effective Date"), is entered into between, Fidelity
National Financial, Inc., a Delaware corporation with its principal place of
business at 601 Riverside Avenue, Jacksonville, FL 32204 ("FNF") and Fidelity
National Information Services, Inc., a Delaware corporation with its principal
place of business at 601 Riverside Avenue, Jacksonville, FL 32204 ("FNIS"), for
itself on behalf of those of its direct and indirect subsidiaries as are listed
on Schedule A hereto. FNF and FNIS shall hereinafter be referred to as a "Party"
and collectively, as the "Parties."

                                   WITNESSETH:

      WHEREAS, the Customers wish to have access to certain records and/or data
(the "Starters" as defined below) owned by FNF or its subsidiaries;

      WHEREAS, FNF is willing to provide such access, subject to the terms and
conditions set forth herein;

      NOW, THEREFORE, in consideration of the mutual covenants and promises
contained herein, and for other good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the Parties, intending to be
legally bound hereby, agree as follows:

1.    CERTAIN DEFINITIONS.

Customer. "Customer" means FNIS, as well as each user specifically identified on
Exhibit A hereto so long as such user is a direct or indirect subsidiary of
FNIS. Issuing Agency Agreement.

"Issuing Agency Agreement" is an agreement pursuant to which an entity is
designated as a title agent, authorized to write title business for a principal.

L&Vs. "L&Vs" consist of that portion of a Starter record related to the legal
description of the real property and vesting information of the owners thereof.
L&V Retrieval. "L&V Retrieval" means any instance where an L&V is selected by a
Customer for viewing or data retrieval in connection with a particular Starter
record. A fee is incurred, as set forth below, upon each Successful Retrieval.

Starters. "Starters" consist of electronic copies of previously issued title
products, which may include policies, commitments, preliminary reports,
guarantees and binders as well as some electronic data elements of the
information contained in such electronic copies.

Starter Retrieval. A "Starter Retrieval" means any instance when a Starter is
selected by a Customer for viewing or data retrieval, which may include an image
of the applicable previously issued title products or any electronic data
elements from such products. A fee is incurred, as set forth below, upon each
Successful Retrieval.

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Starter Repository. The "Starter Repository" is a database of certain Starters
selected by FNF for inclusion.

Successful Retrieval. A "Successful Retrieval" means: (1) in connection with a
L&V Retrieval, the return of data containing a legal description and vesting in
a format generally recognized in the geographic area where the property is
located; (2) in connection with a Starter Retrieval, the return of a product
image and/or data in a form and containing those elements generally contained on
such product in the geographic area where the property is located.

2.    ACCESS.

      (a) Access. FNF hereby grants to each Customer non-exclusive access to the
Starter Repository, subject to the provisions hereof. Customers may, with
technical information from FNF available on request, create proprietary means of
technical access to the Starter Repository (an "Access Program"), subject
however to compliance with any security protocols or technology that FNF may
reasonably specify. FNF shall have no duty to pay for, support, accommodate, or
update any such Access Program. Using such Access Program, Customers may access
the Starter Repository. FNF may restrict, or may be restricted from allowing, a
Customer from using certain records and materials in the Starter Repository. It
is understood and agreed that, during the first year of this Agreement, FNF
shall provide access availability to the Starter Repository in a nature and
quality reasonably comparable to the access availability provided by FNF during
the year immediately prior to the execution of this Agreement.

      (b) Format. The data and materials included in the Starter Repository are
maintained in one or more formats or media determined from time to time by FNF
and FNF reserves the right to modify any such format or medium from time to
time, subject to the notification provisions contained in Section 2(d).

      (c) Security. In connection with a Customer's access to the Starter
Repository provided hereunder, FNF may establish identification codes and
password security. In such event, a Customer shall be responsible for choosing
one or more secure passwords and for keeping all passwords secret. In the event
of a security breach or unauthorized access to the Starter Repository, each
Customer agrees to contact FNF immediately upon discovering such a breach. Such
Customer is responsible for the results of, and any costs incurred as a result
of, any such unauthorized access until notice of such a security breach is given
to FNF. FNF reserves the right to check the security of Customer passwords, if
password security is implemented. In such event, if a Customer password is found
to be unsecured, FNF shall immediately notify Customer and work with Customer to
implement an appropriate security password. Each Customer agrees to not (i)
attempt to bypass any security mechanisms in place on any FNF system hosting the
Starter Repository, or (ii) use any FNF system or service to attempt to bypass
any security mechanisms in place on any other FNF system, including, but not
limited to, running any password cracking software, or attempting to access a
system that such Customer knows or reasonably should know it is not authorized
to access in the manner or to the extent attempted.

      (d) Systems Changes. It is anticipated that FNF may, during the term of
this Agreement, but without obligation to do so, make certain systems
enhancements in the methods of input, storage or retrieval or make other changes
to the Starter Repository or its databases. It is

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agreed by each Customer that FNF will have the right to make enhancements,
changes or additions which require the Customer's use of new methods for access
or changes to the Access Program. FNF agrees to provide advance written notice
of any such enhancements, changes or additions to Customer with as much lead
time as possible, but in no event less than sixty (60) days. FNF will make
available any such enhancements, changes or additions to Customer without
additional cost.

3.    FEES AND PAYMENT

      (a) Fees. FNIS will pay FNF a fee in the amounts set forth on Exhibit B
for each Successful Retrieval in connection with a Starter Retrieval and L&V
Retrieval by the Customers (the "Starter Retrieval Fee" and the "L&V Retrieval
Fee" respectively and collectively, the "Access Fees"). The Access Fees do not
include taxes. FNIS will pay, or reimburse, FNF for payment of, any applicable
sales, use, personal property or similar taxes and any government charges based
on transactions hereunder, exclusive of corporate income or franchise taxes
based on FNF's net income. FNF may increase the Access Fees for each Starter
Retrieval and L&V Retrieval annually, effective on the anniversary date of this
Agreement, by an amount equal to the percentage amount indicated by the annual
change in the Consumer Price Index for urban wage earners and clerical workers
for the national average as compiled by the U.S. Department of Labor, Bureau of
Labor Statistics ("Index") for the twelve (12) month period most immediately
preceding the adjustment date for which such data has been compiled.

      (b) Payment. FNIS shall provide to FNF, (1) on the fifteenth (15th) day of
each month during the term of this Agreement, an accurate count of the number of
Starter Retrievals and L&V Retrievals made by each Customer during the previous
month and (2) within thirty (30) days of providing such count, payment in full
for such Starter Retrievals and L&V Retrievals contained in the Customer count
based on the Access Fees. FNIS agrees that it shall be responsible for payment
to FNF for the number of Starter Retrievals and L&V Retrievals made by each
Customer. FNF shall not be responsible for notifying any Customer about unusual
patterns in the frequency or duration of such access. FNF shall have the right
to receive from each Customer more detailed information regarding the number of
Starter Retrievals and L&V Retrievals in the event that FNF has reason to
believe that the information or number of Starter Retrievals and L&V Retrievals
for a particular period is inaccurate. FNIS will be in breach of this Agreement
whenever FNIS fails to pay in full any undisputed sum on behalf of any Customer
due to FNF for a period of thirty (30) days after FNF provides written notice of
non-payment to FNIS. To cure that breach, the sum then due, plus a late payment
fee equal to ten percent (10%) of the sum then due (or the maximum rate or
amount allowed by applicable law if less), must be paid by FNIS to FNF.

      (c) Audit. FNF shall have the right to audit the records of each Customer,
at the expense of FNF, to verify the correctness of the information provided on
behalf of each Customer regarding the number of Starter Retrievals and L&V
Retrievals and the sums being paid to FNF on behalf of each Customer for such
Starter Retrievals and L&V Retrievals. These audits shall be conducted during
normal business hours so as not to unreasonably interfere with the normal
business operations of such Customer. If the audit discloses that such FNIS
under-reported fees to FNF, FNIS shall pay promptly such under-reported amount,
together with interest at the rate

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of ten percent (10%) (or the maximum rate or amount allowed by applicable law if
less). In addition, if such under-reported amount is in excess of five percent
(5%) of the reported amount for the period covered by the audit, then FNIS shall
promptly reimburse FNF for its reasonable audit expenses.

4.    TERM

      (a) Term. Unless sooner terminated in accordance with the provisions
hereof, this Agreement shall continue for a period of one year from the date
hereof, and renew automatically, effective upon each anniversary of this
Agreement, for successive annual terms, so long as neither Party has provided
notice in writing to the other Party, of its intention to terminate this
Agreement, such notice to be given on or before the sixtieth (60th) day prior to
the applicable termination.

      (b) Termination. If FNF or any Customer is in material breach of this
Agreement and FNF or such Customer, as the case may be, does not cure such
breach within thirty (30) days after receipt of written notice specifying the
breach, then this Agreement may be terminated by (i) FNF, if any Customer is in
breach or (ii) FNIS, if FNF is in breach. Failure by any Party to declare a
termination of this Agreement for the breach of any one or more of the
provisions hereof or a failure of any Party to take action under the provision
hereof shall not be construed as a waiver of the breach or any subsequent
breach. Notwithstanding the above termination, in the event of termination for
FNF's breach, Customers shall continue to receive access to the Starter
Repository until such time as they have found a reasonably acceptable
alternative to obtain the same or substantially similar benefit, but in no event
longer than ninety (90) days after the initial occurrence of an uncured breach,
and FNIS shall continue to pay for such access in accordance with Section 3
hereof. Following FNF's notice of termination, FNIS agrees to find an
alternative means to obtaining the same benefits as quickly as reasonably
possible. This Agreement shall be automatically terminated upon the filing of a
petition in bankruptcy by a Party, or the appointment of a receiver for a Party,
or the adjudication in bankruptcy on an involuntary partition against a Party,
or if a general assignment of a Party's assets occurs for the benefit of such
Party's creditors. The rights under this Agreement as to a particular Customer
shall be automatically terminated by FNF as to such Customer upon the filing of
a petition in bankruptcy by such Customer, or the appointment of a receiver for
such Customer, or the adjudication in bankruptcy on an involuntary petition
against such Customer, or if any general assignment for the benefit of such
Customer's creditors, of its assets, occurs. In the event that the rights of a
particular Customer under this Agreement are terminated because such Customer is
no longer a direct or indirect subsidiary of FNIS, the termination of such
rights shall not be deemed a termination of this Agreement with respect to the
other Customers.

5.    OWNERSHIP AND USE

      (a) Ownership. All data, information, images and other materials contained
in the Starter Repository and all programs, databases, specifications, manuals
and documentation relating thereto (including without limitation, compression,
storage, and retrieval techniques and formats and any enhancements made thereto)
are and shall remain the property of FNF or its providers. FNIS agrees to treat
and agrees to cause each Customer to treat all proprietary informa-

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tion of FNF as confidential and agrees to make it available solely to itself,
the Customers, their employees or authorized representatives who have a need to
know. Each Party further agrees not to make copies of the other Party's
confidential information or the confidential information of Customers, and not
to obscure or remove any notice of proprietary rights or confidentiality
thereon. Upon termination of this Agreement, each Party shall return all
confidential information of the other Party, and in the case of FNF, the
confidential information of Customers, provided to it pursuant hereto.

FNF warrants that it is the owner of, or has full right to provide access to
each Customer to, all of the records and data contained in the Starter
Repository and all programs, databases, specifications, manuals and
documentation relating thereto (including without limitation, compression,
storage, and retrieval techniques and formats and any enhancements made thereto)
on the terms herein.

      (b) Customer Use. Records and data in the Starter Repository made
available to any Customer under this Agreement are to be used by such Customer
solely in accordance with the terms hereof.

      (c) Use of Information. Each Customer shall use records and data in the
Starter Repository only for the purpose of issuing title insurance and other
products in its ordinary course of business. Each Customer shall make no further
distribution, by sale, lease or otherwise, of any access to records and data in
the Starter Repository, nor enable any third party to access or to make use of
any such records or data in the Starter Repository provided to, or accessible
by, Customer under this Agreement except in accordance with Customer's ordinary
course of business. FNF shall make no distribution, by sale, lease or otherwise,
of Customer confidential information, if any, nor enable any third party to
access or to make use of any such Customer confidential information provided to,
or accessible by, FNF under this Agreement except in accordance with FNF's
ordinary course of business.

      (d) Nonexclusive Use. The Parties recognize that FNF shall continue to use
the Starters and L&Vs in the usual and ordinary course of business and may
furnish access to Starters and L&Vs, including the same Starters and L&Vs, to
other customers.

      (e) Advertisement of Use or Ownership. During the term of this Agreement,
none of the Customers shall publicize that such Customer owns, possesses or
controls any Starters or L&Vs or has any interest therein except such rights as
are specifically granted to Customer by this Agreement.

      (f) Due Care. Each Customer agrees to exercise due care in accessing the
Starter Repository hereunder so as to prevent the alteration or destruction of
records or data therein. Each Customer agrees that it shall be liable to FNF
(or, if applicable, its providers) for loss or damage related to such alteration
or destruction arising out of (i) a failure to exercise due care or (ii) an
intentional, dishonest or fraudulent act of an employee of Customer.

      (g) Remedy. In the event that a Customer makes any unauthorized copy or
copies of records or data in the Starter Repository, or FNF ceases to provide
access to the Starter Reposi-

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tory or the records and data in the Starter Repository in accordance with this
Agreement, the Parties acknowledge and agree that: (A) remedies at law will not
adequately compensate FNF or FNIS, as the case may be; (B) FNF or FNIS, as the
case may be, may suffer irreparable harm; and (C) FNF or FNIS, as the case may
be, shall be entitled, not only to its damages, but also to seek injunctive
relief, without the necessity of posting bond.

6.    WARRANTY EXCLUSION; DISCLAIMERS; LIMITATION OF LIABILITY

THE INPUT AND RETRIEVAL OF THE INFORMATION CONTAINED IN ANY FNF COMPUTER SYSTEM
IS SUBJECT TO THE RISKS OF TEMPORARY INTERRUPTION BY REASON OF EQUIPMENT OR
COMMUNICATIONS FAILURE ARISING OUT OF NUMEROUS CAUSES NOT WHOLLY WITHIN CONTROL
OF FNF; FNF IS NOT A GUARANTOR OF AND DOES NOT WARRANT UNINTERRUPTED ACCESS TO
THE STARTERS, THE L&VS, THE STARTER REPOSITORY, THEIR CONTINUITY, OR SUITABILITY
FOR ANY PARTICULAR PURPOSE, FREEDOM FROM ERROR OR CONVEYANCE OF MALICIOUS
COMPUTER CODE.

NOTWITHSTANDING ANY PROVISION OF THIS AGREEMENT TO THE CONTRARY, FNIS AGREES AND
WILL CAUSE EACH CUSTOMER TO AGREE THAT FNF SHALL INCUR NO LIABILITY TO ANY
CUSTOMER IN THE EVENT OF ANY DAMAGE OR DESTRUCTION TO ANY CUSTOMER COMPUTER
SYSTEM OR THE COMMUNICATIONS NETWORK THROUGH WHICH SUCH CUSTOMER ACCESSES SUCH
COMPUTER SYSTEM, EXCEPT ARISING OUT OF ANY FNF (i) GROSS NEGLIGENCE, (ii)
WILLFUL MISCONDUCT, (iii) IMPROPER USE OR DISCLOSURE OF CONFIDENTIAL
INFORMATION, IF ANY, (iv) VIOLATIONS OF LAW, OR (v) INFRINGEMENT OF INTELLECTUAL
PROPERTY RIGHTS OF A PERSON OR ENTITY WHO IS NOT A PARTY HERETO OR THE
SUBSIDIARY OF A PARTY HERETO. FNF SHALL NOT BE REQUIRED TO RECONSTITUTE, RESTORE
OR RECONSTRUCT ANY COMPUTER SYSTEM DAMAGED BY REASON OF ITS USE IN CONJUNCTION
WITH THE ACCESS PROVIDED HEREUNDER, EXCEPT ARISING OUT OF ANY FNF GROSS
NEGLIGENCE OR WILLFUL MISCONDUCT.

ACCESS TO THE STARTER REPOSITORY AND ALL INFORMATION OBTAINED THROUGH IT,
WHETHER GENERATED BY FNF OR A PROVIDER, ARE LICENSED TO EACH CUSTOMER "AS IS".
FNF ASSUMES NO DUTY TO CONTINUE TO AUGMENT, CORRECT OR REMOVE ANY INACCURATE
INFORMATION OR NOTIFY CUSTOMERS OF ERRORS IN THE STARTER REPOSITORY. EACH
CUSTOMER ASSUMES FULL RESPONSIBILITY FOR THE TANGIBLE AND BUSINESS RESULTS OF
USE AND/OR RELIANCE UPON THE FNF STARTER REPOSITORY AND ANY OTHER FNF PROPERTY.
NEITHER FNF NOR ITS PROVIDERS MAKE ANY IMPLIED WARRANTY OR REPRESENTATION,
INCLUDING WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE,
ACCURACY OR COMPLETENESS OF STARTERS, L&VS, STARTER REPOSITORY OR ANY OTHER FNF
PROPERTY MADE AVAILABLE TO ANY CUSTOMER IN TANGIBLE, ELECTRONIC OR OTHER FORM.

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DISCLAIMER OF LIABILITIES. EACH PARTY AGREES THAT IN NO EVENT SHALL THE OTHER
PARTY BE LIABLE FOR ANY SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, EVEN IF THE
OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NEITHER FNF NOR
ANY PROVIDER ASSUMES LIABILITY, AND SHALL NOT BE HELD LIABLE, TO ANY CUSTOMER OR
TO ANY CUSTOMER'S CUSTOMERS OR INSUREDS, OR TO ANY OTHER PERSON, WHO MAY RELY
UPON ANY TITLE POLICY, BINDER, GUARANTEE, ENDORSEMENT OR OTHER TITLE ASSURANCE,
OR ANY STARTERS, ANY L&VS, OR OTHER FNF PROPERTY PROVIDED OR ACCESSED HEREUNDER
(INCLUDING BY REASON OF ERROR OR OMISSION IN ANY INFORMATION OR RESULTING FROM
THE USE OF ANY FNF PROPERTY).

7.    INDEMNITY

FNIS shall indemnify and cause each Customer to indemnify and hold FNF harmless
from claims, liability, loss, damage or expense of whatever nature, including
attorney's fees, arising as a result of any claims by third parties alleging or
founded in any manner on any errors or omissions in the records or data
contained in the Starter Repository. If such a claim is asserted, FNF shall
promptly notify FNIS and the applicable Customer and, in the event of such
notification, FNIS and such Customer may elect to defend FNF in any resulting
action or litigation. FNIS and such applicable Customer may use for such purpose
counsel of such FNIS' or Customer's choosing, approved in writing by FNF, at
FNIS' or the Customer's expense. FNIS and such Customer shall also have the
right, whether or not any action or litigation results, to compromise or settle
any monetary claim on behalf of FNF, but at the sole cost of FNIS or such
Customer.

FNF shall indemnify and hold each Customer harmless from claims, liability,
loss, damage or expense of whatever nature, including attorney's fees, arising
as a result of any claims by third parties alleging or founded in any manner on
the warranties contained in Section 5(a). If such a claim is asserted, such
Customer shall promptly notify FNF and, in the event of such notification, FNF
may elect to defend such Customer in any resulting action or litigation. FNF may
use for such purpose counsel of FNF's choosing, approved in writing by such
Customer, at FNF's expense. FNF shall also have the right, whether or not any
action or litigation results, to compromise or settle any monetary claim on
behalf of such Customer, but at the sole cost of FNF.

In the event that any provider of records or data to the Starter Repository or
other information to FNF fails to deliver (or delays the delivery of) such
material or information, or if any provider materially and adversely modifies
the conditions or cost to FNF of obtaining such material or information, then
FNF, at its option, may suspend or terminate its relationship with such provider
and any obligations to any Customer under this Agreement, upon no less than
thirty (30) days written notice. FNF may contract for an alternate source of the
same or similar records or data for the Starter Repository and, notwithstanding
any contrary provision of this Agreement, increase the applicable fees or
charges upon no less than thirty (30) days written notice, or a combination of
the foregoing. FNF will incur no liability to any Customer with respect to any
action or omission under this Section. In the event that a Customer receives a
notice pursuant to this Section substituting records or data or access thereto
or increasing the price thereof, then FNIS

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may terminate such access if it notifies FNF within thirty (30) days after
receipt of notice from FNF regarding such data or access thereto.

8.    DISPUTE RESOLUTION

      (a) Dispute Resolution. If any Party institutes an action against the
other for breach of this Agreement, either Party may, within sixty (60) days of
service of the complaint in such action upon it, institute arbitration and the
other Party shall cooperate to stay any other proceedings. Any such arbitration
shall be conducted in accordance with the Rules of Commercial Arbitration of the
American Arbitration Association ("AAA"). The arbitration shall be conducted in
Jacksonville, Florida by a single arbitrator knowledgeable about title insurance
and contracts. If the Parties have not agreed to a mutually acceptable
arbitrator within thirty (30) days of the date of the notice to arbitrate, the
arbitrator shall be selected by the AAA from its regularly maintained list of
commercial arbitrators familiar with matters similar to the subject of this
Agreement. The arbitrator shall conduct a single hearing for the purpose of
receiving evidence and shall render a decision within thirty (30) days of the
conclusion of the hearing. The Parties shall be entitled to require production
of documents prior to the hearing in accordance with the procedures of the
Federal Rule of Civil Procedure, shall exchange a list of witnesses, and shall
be entitled to conduct up to five (5) depositions in accordance with the
procedures of the Federal Rules of Civil Procedure. The decision of the
arbitrator shall be binding and final. The arbitrator may award only
compensatory damages, and not exemplary or punitive damages. In the event a
Party asserts multiple claims or causes of action, some but not all of which are
subject to arbitration under law, any and all claims subject to arbitration
shall be submitted to arbitration in accordance with this provision.

      (b) Attorneys' Fees and Costs. Each Party shall bear its own costs,
expenses and attorneys' fees and shall equally bear the costs of the arbitrator.

      (c) Parties to the Dispute. FNIS agrees that it alone shall, to the extent
it is legally and reasonably able to do so, institute an action for breach of
this Agreement against FNF on behalf of itself or on behalf of Customers. FNIS
shall cause each Customer to agree that FNIS shall be the sole entity to
institute an action for breach of this Agreement by FNF.

9.    DISASTER OR OTHER INTERRUPTION OF SERVICE

FNF shall not be held liable for any delay or failure in performance of any part
of this Agreement from any cause beyond its reasonable control and without its
fault or negligence, including, but not limited to, acts of God, acts of civil
or military authority, embargoes, epidemics, war, terrorist acts, riots,
insurrections, fires, explosions, earthquakes, nuclear accidents, floods,
strikes, terrorism and power blackouts. Upon the occurrence of a condition
described in this Article that prevents FNF's performance, FNF shall give
written notice to FNIS, and the Parties shall promptly confer, in good faith, to
agree upon equitable, reasonable action to minimize the impact, on both Parties,
of such conditions.

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10.   COMPETITION

This Agreement shall not operate to deny either Party or the Customers the right
and opportunity to compete with each other, or to compete on an equal basis on
the open market. Nothing contained in this Agreement is to be deemed to make any
Party the agent of the other or to constitute an association, partnership or
joint liability between the Parties. The Parties have no intention or thought to
agree between themselves, or even to confer together, as to underwriting
methods, as to fees or premiums to be charged by them to their customers, or as
to any other processes or practices of either Party except as otherwise stated
or prescribed by any Issuing Agency Agreement entered into between the Parties
or, if applicable, their affiliates.

11.   COMPLIANCE BY CUSTOMERS

FNIS has the authority to cause and shall cause each other Customer to comply
with the terms of this Agreement.

12.   MISCELLANEOUS

      (a) Interpretation. This Agreement is to be construed under the laws of
the State of Florida. If any one or more of the terms, provisions, promises,
covenants or conditions of this Agreement, or their application to any person,
corporation, other business entity, or circumstance is to any extent adjudged
invalid, unenforceable, void or voidable for any reason by a court of competent
jurisdiction, each and all of the remaining terms, provisions, promises,
covenants and conditions of this Agreement and their application to other
persons, corporations, business entities, or circumstances shall not be affected
and shall be valid and enforceable to the fullest extent permitted by law. This
Agreement shall not be construed against the Party preparing it, but shall be
construed as if both Parties prepared this Agreement. The headings of each
section and paragraph are to assist in reference only and are not to be used in
the interpretation of this Agreement. Nothing contained in this Agreement is to
be deemed to constitute an association, partnership or joint liability between
the Parties.

      (b) No Assignment or Transfer. This Agreement cannot be assigned, in whole
or in part, by either Party by operation of law or otherwise, without the prior
written consent of the other Party, which consent shall not be unreasonably
withheld. Any assignment in contravention of this Section shall be void.

      (c) Benefit. This Agreement will be binding upon and inure to the benefit
of the Parties hereto and their respective successors and permitted assigns.
This Agreement is solely for the benefit of the Parties hereto and no third
party will have the right or claim to the benefits afforded either Party
hereunder.

      (d) Compliance with Laws and Regulations. FNIS agrees to use and agrees to
cause each Customer to use information received from FNF in compliance with all
applicable Federal, State and local laws and regulations, including without
limitation, Fair Credit Reporting Act (U.S.C.A. Title 15, Chapter 41, Subchapter
III), as amended from time to time.

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      (e) Survival. Following the expiration or termination of this Agreement,
whether by its terms, operation of law or otherwise, all terms, provisions or
conditions required for the interpretation of this Agreement or necessary for
the full observation and performance by each Party hereto of all rights and
obligations arising prior to the date of expiration or termination, shall
survive such expiration or termination.

      (f) Entire Agreement. This Agreement constitutes the entire agreement
between the Parties pertaining to the subject matter hereof and supersedes and
integrates all prior and contemporaneous agreements, representations and
understandings of the Parties, oral and written, pertaining to the subject
matter hereof. Except for any deletion of a Customer from Exhibit A because the
Customer is no longer a direct or indirect subsidiary of FNIS (which deletion
and the termination of rights under this Agreement as to that Customer shall be
automatic upon the change of ownership of such Customer) and except as permitted
with regard to Exhibit B pursuant to Section 3(a), no supplement, modification,
or amendment of this Agreement or any Schedules or Exhibits hereto shall be
binding unless executed in writing by the Parties. No waiver of any of the
provisions of this Agreement is to be considered a waiver of any other
provision, whether or not similar, nor is any waiver to constitute a continuing
waiver. No waiver shall be binding unless set forth in a writing executed by the
Party making the waiver. This Agreement may be executed simultaneously in two or
more counterparts, each of which shall be deemed an original, but which together
shall constitute one and the same instrument.

      (h) Schedules. Each of the Schedules, Addenda and Exhibits attached to
this Agreement (initially or by way of amendment) is incorporated herein by
reference as if set forth in full.

      (i) Notices. All written notices permitted or required to be given under
this Agreement may be personally delivered to the office of the other Party, or
shipped via a nationally recognized overnight courier service, or mailed to the
office of the other Party by Certified United States Mail, or sent by electronic
mail. Each notice shall be addressed to the address set forth under the Party's
signature. Any notice delivered hereunder will be effective on the date
delivered when delivered personally or by overnight courier, or on the third
business day after mailing if mailed by Certified United States Mail, or on the
date delivered when sent by electronic mail. Either Party may, by written notice
to the other via first class mail, change its address for notices.

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      IN WITNESS WHEREOF, the Parties have executed this Agreement as of the
Effective Date.

Fidelity National Financial, Inc.:    Fidelity National Financial Services, Inc.

A Delaware corporation                A Delaware corporation

By: _________________________________ By: __________________________________

Title: ______________________________ Title: _______________________________

Print Name: _________________________ Print Name: __________________________

Date: _______________________________ Email Address: _______________________

                                      Date: ________________________________

Address for Notices:                          Address for Notices:

  Fidelity National Financial, Inc.             Fidelity National Information
  601 Riverside Avenue                          Services, Inc.
  Jacksonville, FL 32204                        601 Riverside Avenue
  Attn: Corporate Director of IT                Jacksonville, Florida  32204
                                                Attention:  General Counsel

With a copy to:

  Fidelity National Financial, Inc.
  601 Riverside Avenue
  Jacksonville, FL 32204
  Attn: General Counsel

                                     - 11 -<PAGE>
                      FOIA CONFIDENTIAL TREATMENT REQUESTED

                                                                    Exhibit 10.9

          FOIA CONFIDENTIAL TREATMENT REQUESTED: INFORMATION FOR WHICH
           CONFIDENTIAL TREATMENT HAS BEEN REQUESTED IS OMITTED AND IS
           NOTED WITH "**". AN UNREDACTED VERSION OF THIS DOCUMENT HAS
             BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
                                   COMMISSION.

                     [CHICAGO TITLE INSURANCE COMPANY LOGO]

                             ISSUING AGENCY CONTRACT

This Issuing Agency Contract ("Contract") is made and entered into this ___ of
_________ 2004, by and between Chicago Title Insurance Company, a Missouri
corporation ("Principal") and ______________, a [state of domicile] corporation
("Agent").

In consideration of the promises and the mutual covenants herein and for other
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, Principal and Agent agree as follows:

1.    APPOINTMENT OF AGENT. Principal hereby appoints Agent as a policy issuing
      agent of Principal for the sole purpose of issuing title insurance
      commitments, policies, endorsements and other title assurances approved by
      Principal and by all required regulatory agencies, now in existence or
      hereafter developed, relating to real property located in all counties of
      the states listed on EXHIBIT A attached hereto ("geographic area") in
      accordance with the terms of this Contract; provided, however, that Agent
      will immediately cease and refrain from issuing any policies of Principal
      in any portion of the geographic area in which Principal informs Agent
      that Principal had, on the date indicated above, an exclusive agency
      agreement with another agent or agency. During the term of this Contract,
      pertaining to the geographic area:

      A.    Agent shall issue title insurance commitments, policies and
            endorsements of Principal and any other title insurance company;

      B.    Principal or its affiliates and subsidiaries shall have, and do
            retain, the right to appoint other agents; and

      C.    Principal and its affiliates or subsidiaries shall have, and do
            retain, the right to service directly any customer, and Principal or
            its affiliates or subsidiaries may, without limitation, do any of
            the following:

            i)    issue directly, from any of its offices, or from any location
                  nationwide, commitments, policies, endorsements, or any other
                  title assurance or evidence, search or real estate information
                  product, or any other product whatsoever, now in existence or
                  hereafter developed (all of the foregoing are hereafter
                  collectively referred to as "Information");

            (ii)  purchase or otherwise obtain from any source any search data
                  or Information.

2.    CONTRACT TERM. The term of this Contract shall be ** years, commencing on
      _______, 2004; provided however that Agent shall not issue any title
      insurance commitments, policies and endorsements of Principal in any
      county or state in the geographic area until Agent is duly licensed to do
      so by the applicable regulatory body in such state or permitted to do so
      by applicable law or regulation of such state. At any time after the
      initial ** years of this Contract, either party may give written notice to
      the other of its election to terminate this Contract with such termination
      to take effect at least ** years after delivery of the written notice. The
      term of this Contract shall be automatically extended beyond the initial
      ** year term until (i) written notice is provided by either party and (ii)
      the term of the notice (which shall not be less than ** years) has
      expired. Notwithstanding the foregoing, either party hereto may terminate
      this Contract pursuant to Paragraph 9 hereof. Notwithstanding anything to
      the contrary herein, this Agreement shall be terminated following ninety

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                      FOIA CONFIDENTIAL TREATMENT REQUESTED

      (90) days' written request for such termination by the Missouri Department
      of Insurance in the event Principal is or has been placed under regulatory
      supervision.

3.    DUTIES OF PRINCIPAL. Principal shall:

      A.    Furnish Agent forms of commitments, policies, endorsements and other
            forms required for transacting Agent's title insurance business.

      B.    Furnish Agent guidelines and instructions for transacting Agent's
            title insurance business.

      C.    Resolve all risk assumption questions submitted by Agent.

      D.    Arrange for reinsurance where required, to the extent such
            reinsurance is available.

4.    DUTIES OF AGENT. Agent shall:

      A.    Receive and process applications for title insurance in a timely,
            prudent and ethical manner with due regard to recognized title
            insurance underwriting practices and in accordance with Principal's
            bulletins, manuals and other instructions of Principal.

      B.    Base each policy issued on behalf of Principal upon a determination
            of insurability of title that includes

            (i)   a search from earliest public records or in accordance with
                  Principal's written instructions; and

            (ii)  an examination of all documents affecting title to the subject
                  property.

      C.    Supply, at Agent's expense, office space and qualified personnel for
            conducting business pursuant to this Contract by the date of
            execution of this Contract.

      D.    Prepare, preserve and maintain in Agent's possession a separate file
            for each application for title insurance containing all documents
            upon which Agent relied to make its determination of insurability,
            including, but not limited to: affidavits, maps, plats, lien
            waivers, surveys, title reports, searches, examinations, and work
            sheets, together with a copy of each commitment, policy, endorsement
            and other title assurance issued as well as closing statements,
            disbursement worksheets, copies of all checks disbursed and
            receipted, deposit slips, escrow agreements and any other
            instruments or documents executed or created at Closing. Pertaining
            to Agents files:

            (i)   Title thereto shall remain with Agent. Upon termination of
                  this Contract, Agent shall allow Principal to copy, at
                  Principal's cost and expense, Agent's files. Agent hereby
                  grants to Principal the right to enter upon the premises of
                  Agent or other locations where such files are maintained,
                  during business hours, for purposes of recovering possession
                  thereof;

            (ii)  In the event Agent ceases to engage in the title insurance
                  business, title to such files shall vest in Principal, and
                  Agent shall deliver said files to Principal immediately upon
                  termination of this Contract. Agent hereby grants to Principal
                  the right to enter upon the premises of Agent or other
                  locations where such said files are maintained, during
                  business hours, for purposes of recovering possession thereof.

            (iii) In the event Agent sells, transfers or conveys its title
                  insurance operations or any interest therein to a third party,
                  Principal shall have the right to copy such files, and the
                  right to copy shall survive any sale, transfer or encumbrance
                  of Agent's title insurance operations or an interest therein.
                  Agent hereby grants to Principal the right to enter upon the
                  premises of Agent or other locations where said title files
                  are maintained, during business hours, for purposes of making
                  a reproduction thereof.

      E.    Report to Principal, as hereafter set forth, by sending to Principal
            any one of the following:

            (i)   a copy of each policy, endorsement and other title assurance
                  issued by Agent; or

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                      FOIA CONFIDENTIAL TREATMENT REQUESTED

            (ii)  a voucher containing information regarding each policy,
                  endorsement and other title assurance issued by Agent, as
                  instructed by Principal; or

            (iii) information regarding each policy, endorsement and other title
                  assurance issued by Agent, in magnetic or electronic format,
                  as instructed by Principal.

      F.    Maintain a policy register in a form approved by Principal showing
            the disposition of all policies and other pre-numbered forms
            furnished by Principal. Upon request by Principal, Agent shall
            furnish a statement accounting for all such forms and shall return
            all spoiled, obsolete or canceled policies and forms to Principal.
            Agent shall safely maintain and store all forms furnished by
            Principal and hereby assumes liability for loss or damage suffered
            by Principal by reason of Agent's wrongful or negligent use or
            storage of such forms.

      G.    Provide Principal annually copies of annual financial statements of
            the agency and an updated Information Affidavit, such financial
            statements to be kept confidential by Principal.

      H.    Perform such services and render such assistance as Principal may
            reasonably request in connection with any claim or litigation
            arising from a commitment, policy, endorsement or other title
            assurance issued by Agent or by Principal on behalf of Agent or on
            account of any conduct of Agent, whether such claim or litigation is
            instituted during the term of this Contract or following termination
            thereof. In addition, Agent shall promptly forward to Principal:

            (i)   all documents received by Agent in which Principal is a party
                  to judicial proceedings;

            (ii)  all written complaints or inquiries made to any regulatory
                  agency regarding transactions involving title insurance
                  policies, endorsements, commitments or other title assurances
                  of Principal;

            (iii) any information alleging a claim involving a policy,
                  commitment, endorsement or other title assurance of Principal
                  or a transaction for which Principal may be liable; and

            (iv)  all original documentation and work papers associated with the
                  transaction or conduct giving rise to any claim or complaint.

      I.    In those instances where Agent closes real estate transactions and
            receives and disburses funds of others, Agent shall

            (a)   maintain said funds safely in accounts fully insured by an
                  agency of the Federal Government and in accordance with
                  applicable state laws;

            (b)   maintain separate from Agent's personal or operating accounts
                  all funds received by Agent from any source in connection with
                  transaction(s) in which Principal's title insurance is
                  involved;

            (c)   disburse such funds only for the purposes for which they were
                  entrusted;

            (d)   maintain an escrow ledger for each title insurance order
                  involving fiduciary funds, which ledger shall separately
                  reflect the escrow activity for each order;

            (e)   maintain a control account showing total fiduciary liability
                  for each escrow bank account; and

            (f)   reconcile monthly the control account and ledger records to
                  the monthly bank statement.

      J.    Comply with all applicable laws and regulations relating to the
            conduct of Agent's business.

      K.    Comply with all bulletins, manuals and other instructions furnished
            to Agent in writing, by facsimile or other electronic transmission
            by Principal. If any reasonable doubt exists with regard to the
            insurability or marketability of title or as to whether a particular
            risk is extra-ordinary or extra-hazardous, Agent shall contact
            Principal or Principal's designated underwriting counsel for
            guidance and approval.

      L.    The parties hereto acknowledge that Agent is not an agent of
            Principal for purposes of conducting a Closing, as defined in
            Paragraph 7H hereof; however, because Principal may be subject to
            allegations of liability for acts of Agent with regard to Agent's
            settlement or escrow business, Agent shall cooperate with Principal
            in the performance of audits of Agent's escrow records, accounts and
            procedures. In addition, Agent agrees to provide to Principal,
            within thirty (30) days following

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                      FOIA CONFIDENTIAL TREATMENT REQUESTED

            receipt, a copy of any audit conducted by any accounting firm with
            respect to Agent's escrow records, accounts or procedures.

      M.    Timely furnish the insured with a title insurance policy and other
            title assurances Agent is obligated to issue.

      N.    Maintain in confidence the terms and conditions of this Contract.

      O.    Neither Agent nor any affiliate shall pay any commission for the
            solicitation or negotiation of any services constituting the
            business of title insurance, other than the payment of commissions,
            incentive compensation, or bonuses with respect to full-time
            salaried employees based on any such employees' level of production
            of any services constituting the business of title insurance. If
            Agent or, where applicable, its affiliates makes any such payments
            to full-time salaried employees, Agent or affiliate shall maintain
            adequate records detailing the conditions to receipt of any
            commission, incentive compensation, or bonus, the recipient thereof,
            and the amount paid. No employee of Agent shall, directly or
            indirectly, pay or offer to pay, either directly or indirectly, any
            part of his or her compensation to any prohibited person or entity
            as an inducement for or as compensation for any title insurance
            business or any escrow or other title business.

5.    RATES AND REMITTANCES. Attached hereto and made a part hereof is a
      Schedule of Rates and Remittances or Rider. Agent shall quote, charge, and
      collect the Rates set forth therein, as may be amended from time to time
      by Principal, and shall report and remit to Principal premiums as set
      forth therein.

6.    INSURANCE. Agent shall immediately obtain and keep in full force, at
      Agent's expense, during the term of this Contract:

      (i)   Title Insurance Agent's Errors and Omissions Policy with opinion of
            title coverage, with an insurance company acceptable to Principal in
            a sum of not less than $ ** with, if reasonably available, a loss
            payee provision in favor of Principal; and

      (ii)  Fidelity Insurance of $ ** covering all officers, employees,
            shareholders, partners, members and other principals of Agent with a
            loss payee provision in favor of Principal.

      Agent will submit a copy of the policies to Principal within 14 days of
      the effective date of this Contract, and Agent agrees to furnish Principal
      annually with a copy of such policies and any renewals thereof and any
      other evidence that Principal may deem necessary to demonstrate compliance
      with this provision. Agent hereby assigns to Principal, Principal's legal
      representatives and assigns, all sums claims, demands and causes of action
      of whatsoever kind, that Agent may have against Agent's Errors and
      Omissions insurance company and against Agent's Fidelity insurance
      company, in connection with all claims arising out of the actions of
      Agent, its employees, agents, independent contractors and subcontractors
      which fall within the scope of this Paragraph 6 and the Contract hereof.

7.    LIMITATIONS ON AGENT'S AUTHORITY. Agent shall not, without prior written
      approval of Principal:

      A.    Commit Principal to a risk in excess of ** Dollars ($ **). This
            limit shall include not only the commitment, policy, endorsement
            and/or other title assurance immediately being issued, but also
            risks where

            (i)   Agent knows or has reason to believe that additional title
                  insurance will be ordered covering substantially the same real
                  property; or

            (ii)  the aggregate liability will exceed the referenced limit, such
                  as condominium and time share projects (hereafter referred to
                  as the "Risk Limit").

      B.    Commit Principal to insure a title involving a risk which, if
            disclosed to Principal, would have been determined to be
            extra-ordinary or extra-hazardous, or which Agent knew or could have
            discovered, through the exercise of reasonable diligence, to have
            been based upon a disputed title. The provisions hereunder shall
            apply notwithstanding the fact that the dollar amount of the
            transaction or the risk is less than the Risk Limit set forth in
            Paragraph 7A hereof.

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                      FOIA CONFIDENTIAL TREATMENT REQUESTED

      C.    Alter the printed language of any commitment, policy, endorsement or
            other form furnished by Principal, or commit Principal to any
            particular interpretation of the terms or provisions thereof or
            issue any policy, endorsement or other title assurance which has not
            been approved for use by all required state regulatory agencies and
            by Principal.

      D.    Adjust or otherwise settle or attempt to settle any claim for loss
            for which Principal may become liable or engage counsel to represent
            Principal or the insured.

      E.    Accept service of process on Principal. Agent shall immediately
            notify Principal of any attempted service of process upon Agent for
            Principal. Agent shall also immediately notify Principal of any
            matter that is or may become a claim against Principal of which
            Agent has knowledge.

      F.    Incur bills or debts chargeable to Principal.

      G.    Commit Principal to a risk with respect to a transaction in which
            Agent, a member of Agent's immediate family, a partner, member or
            shareholder of Agent or a member of the immediate family of a
            partner, member or shareholder of Agent has or will have a legal or
            an equitable interest.

      H.    Handle escrow funds or conduct a Closing, as hereafter defined, of a
            transaction in which Agent, a member of Agent's immediate family, a
            partner, member or shareholder of Agent or a member of the immediate
            family of a partner, member or shareholder of Agent has or will have
            a legal or an equitable interest. The term "Closing" as used in this
            Contract shall mean: the handling and disbursement of settlement
            funds or the providing of settlement services.

      I.    Insure or commit to insure any property for an amount other than the
            fair market value of the estate or interest to be insured or the
            amount of the mortgage or portion thereof and other indebtedness
            secured thereby to be insured.

      J.    Neither Agent nor any Affiliated Attorney of Agent will represent
            any insured as against the interests of Principal. The term
            "Affiliated Attorney" as used herein shall mean any attorney who is
            an employee, associate, member, shareholder, or partner of Agent or
            any law firm that owns any legal or beneficial interest in Agent.

8.    LIABILITY OF AGENT. Agent shall be liable to and agrees to indemnify and
      to save harmless Principal for all attorneys' fees, court costs,
      administrative and other expenses and loss or aggregate of losses
      resulting from any one or more of the following:

      A.    Errors or omissions in any commitment, policy, endorsement or other
            title assurance which were disclosed by the application, by the
            abstracting, examination or other work papers or which were known to
            Agent or which, in the exercise of due diligence, should have been
            known to Agent;

      B.    Errors and/or omissions in any commitment, policy, endorsement or
            other title assurance caused by the abstracting or examination of
            title by Agent, Agent's employees, Agent's subcontractors or Agent's
            independent contractors;

      C.    Failure of any title insurance commitment, policy, endorsement or
            other title assurance to correctly reflect the status of title, the
            description of the insured real property or the vesting of title;

      D.    Failure of Agent, its officers and employees to comply with the
            terms of this Contract or with the guidelines, regulations or
            instructions given to Agent by Principal;

      E.    Any improper Closing or attempted Closing by Agent, Agent's
            employees, Agent's subcontractors or Agent's independent
            contractors, including but not limited to:

            (i)   loss or misapplication of customer funds, documents, or any
                  other thing of value entrusted to Agent in any custodial or
                  fiduciary capacity resulting in loss to Principal;

            (ii)  failure to disburse properly or close in accordance with
                  escrow and/or closing instructions;

            (iii) misappropriation of escrow or closing funds by Agent, its
                  officers, subcontractors or employees;

            (iv)  any loss pursuant to an Insured Closing Letter issued by
                  Principal on behalf of Agent; or

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                      FOIA CONFIDENTIAL TREATMENT REQUESTED

            (v)   failure to disburse immediately available funds.

      F.    Issuance of a commitment, policy, endorsement or other title
            assurance insuring an extra-ordinary risk, extra-hazardous risk, or
            a risk Agent knew or should have know to be based upon a disputed
            title, not approved by Principal in advance of the issuance by Agent
            of documents committing Principal to insure.

      G.    Any act or failure to act by Agent or its employees, officers,
            agents, independent contractors or subcontractors which results in
            allegations of liability with respect to Principal or which results
            in Principal being liable for punitive, contractual or
            extra-contractual damages.

      H.    Assessment of a fine against Principal by the State Department of
            Insurance or the entity which supervises title insurance as a result
            of Agent's violation of any regulations of the State Department of
            Insurance or State laws or regulations applicable to title
            insurance.

      I.    Failure of Agent to timely furnish insured with a title policy which
            Agent is obligated to issue.

      Agent agrees to immediately notify its fidelity bond carrier or errors and
      omissions insurance carrier of any claim for which Agent may be liable to
      Principal.

9.    TERMINATION OF ISSUING AGENCY CONTRACT. Notwithstanding anything the
      contrary herein, this Contract may be terminated in the event any one of
      the following events of default should occur:

      A.    Agent fails to report policies or remit premiums in accordance with
            the provisions hereof said default continues for the applicable cure
            period;

      B.    Agent materially deviates from the guidelines, instructions or
            escrow accounting standards of Principal furnished to Agent;

      C.    Either party hereto fails to perform any of the other material
            provisions, covenants or conditions of this Contract on its part to
            be performed;

      D.    A petition under the United States Bankruptcy Code is filed by or
            against either party hereto;

      E.    A supervisor, conservator or receiver is appointed for either party
            hereto or for substantially all of the assets of said party;

      F.    Agent ceases to engage in the abstract and title insurance agency
            business or Agent's license to engage in the abstract and title
            insurance business is revoked or suspended;

      G.    There is a change in the senior management of Agent, and Agent fails
            to secure prior written approval of Principal;

      H.    There is a change of more than 50% of the ownership of the Agent,
            and Agent fails to secure prior written approval of Principal;

      I.    The loss ratio during any calendar year, as herein defined, arising
            from policies issued by Agent, equals or exceeds fifty percent
            (50%); or

      J.    Agent, or any of its partners, shareholders, members or principals
            is convicted of a felony offense, is disbarred or is suspended from
            the practice of law or is determined by administrative proceedings
            or otherwise to have acted in violation of state or federal laws
            governing title insurance or activities related thereto.

      Upon the occurrence of an event of default, the non-defaulting party may
      terminate this Contract, upon the expiration of thirty (30) days from the
      date of written notice of default to the defaulting party and the
      defaulting party's failure to cure. Notwithstanding the foregoing, upon
      the occurrence of an event of default as described in Paragraph 9D or 9E,
      this Contract shall automatically terminate without notice. Upon the
      occurrence of an event of default as described in Paragraph 9B, 9F or 11,
      this Contract may be terminated by Principal immediately upon delivery of
      written notice to Agent.

      Upon expiration or termination of this Contract, Agent shall immediately
      furnish to Principal a true, correct and complete accounting of all
      remittances due hereunder, all orders involving Principal's title
      assurances which have not closed, all orders involving Principal's title
      assurances which have closed but for which no policy has been issued and
      all commitments, policies, endorsements and other title assurances of
      Principal which have been issued but not reported to Principal. Agent
      shall also provide Principal access to all forms and all files relating to
      commitments, policies and other title assurances of Principal. Agent shall
      promptly

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                      FOIA CONFIDENTIAL TREATMENT REQUESTED

      make an accounting of and deliver to Principal all unused title insurance
      forms, manuals, advertising, promotional materials, other supplies
      exhibiting Principal's name or any variation thereof and all other
      supplies furnished by Principal to Agent, except those which Principal
      authorizes Agent to retain for purposes of completing pending
      transactions.

      If Principal terminates this Contract as provided for herein, Principal
      shall at the same time give notice of the termination to the Missouri
      Insurance Commissioner.

10.   EXAMINATION OF RECORDS. Agent agrees to provide to Principal access for
      examination purposes at any reasonable time or times to all files, books
      and accounts and other records of Agent relating to the business carried
      on hereunder and relating to the Closing of transactions involving a
      commitment to issue Principal's title assurances. Such right of
      examination may also be exercised after termination of this Contract.

11.   SHORTAGE OF FUNDS. In the event a shortage is revealed or discovered in
      Agent's accounts of funds entrusted to Agent by others or in the
      remittances due Principal hereunder, then Principal may declare
      immediately due and payable any debts owed by Agent, including any funds
      for which Principal may be responsible or have a liability therefor. On
      demand by Principal, Agent shall immediately make good the shortage.

12.   ADVERTISING. Agent agrees that it will not use the tradename, trade mark
      or any variation thereof of Principal or any of its subsidiaries or
      affiliated entities on any of its advertising without the prior written
      approval of Principal.

13.   CLAIMS. If a policy claim is made to Agent, if Agent receives notice of a
      potential claim, or if Agent receives notice of litigation which may
      result in a claim, Agent shall, immediately, by facsimile transmission or
      overnight mail, give notice of same to Principal and shall lend all
      reasonable assistance, without charge to Principal, in investigating,
      adjusting or contesting said claim. Agent is not authorized to act as or
      to provide counsel in connection with said claim; however, Principal may
      seek Agent's assistance in the selection of counsel.

14.   NOTICES. Except as otherwise specifically set forth in this Contract, all
      notices, requests, demands and other communications hereunder shall be in
      writing and shall be deemed to have been duly given when delivered by hand
      or when mailed first class postage prepaid, certified or registered mail,
      return receipt requested:

      If to Principal, to:       Chicago Title Insurance Company
                                 601 Riverside Avenue
                                 Jacksonville, FL  32204
                                 Attn.: Agency Department

      If to Agent, to:           [Agent name and address]

      or to such other address or addresses as each of the parties may
      communicate in writing to the other.

15.   NON-WAIVER BY PRINCIPAL. The failure of Principal to enforce strictly the
      performance by Agent of any provision of this Contract or to exercise any
      right or remedy following from Agent's breach of any condition herein or
      the acceptance by Principal of any payment, remittance or other
      performance during Agent's failure to perform or during Agent's breach
      shall not be deemed a waiver by Principal of its rights under this
      Contract as written and shall not be construed to be an amendment or
      modification of this Contract as written.

16.   ENTIRE AGREEMENT; PRIOR AGREEMENTS. This Contract sets forth the entire
      understanding and agreement between the parties hereto with respect to the
      subject matter hereof. No terms, conditions, or warranties, other than
      those contained herein, and no amendments or modifications hereto shall be
      valid unless made in writing and signed by the parties hereto. This
      Contract supersedes all prior understandings of any kind, whether written
      or oral, with respect to the Contract and the subject matter hereof.

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                      FOIA CONFIDENTIAL TREATMENT REQUESTED

17.   ASSIGNMENT; BINDING EFFECT. This Contract is not assignable by Agent
      except upon written consent of Principal, and in any event shall be
      subject to the prior approval of the Missouri Department of Insurance so
      long as Agent and Principal are "affiliates" as defined in section 382.010
      of the Missouri Statutes. This Contract is, however, binding on and inures
      to the benefit of any corporate successor, parent corporation, affiliate
      or wholly owned subsidiary of Principal. The duties and obligations of
      Agent and any signatory or guarantor hereunder shall survive any merger,
      consolidation, dissolution or change in ownership or structure of Agent.

18.   EXCLUSIVITY. Agent shall have no authority and will not undertake to,
      without the prior written consent of Principal, serve as a policy issuing
      agent for, or issue title insurance commitments, policies, endorsements or
      other title assurances relating to real property located in the geographic
      area on behalf of, any person or entity, other than Principal, Fidelity
      National Title Insurance Company, National Title Insurance of New York,
      Inc., or any other title insurance underwriter within the Fidelity
      National Financial, Inc. holding company system.

19.   INVALID PROVISIONS. If any provision of this Contract or the other
      documents contemplated hereby is held to be illegal, invalid, or
      unenforceable under present or future laws, such provisions shall be fully
      severable; the appropriate documents shall be construed and enforced as if
      such illegal, invalid or unenforceable provision had never comprised a
      part hereof or thereto; and the remaining provisions hereof or thereof
      shall remain in full force and effect and shall not be affected by the
      illegal, invalid, or unenforceable provision. There shall be added
      automatically as a part hereof or thereto a provision as similar in terms
      to such illegal, invalid or unenforceable provision as may be possible and
      still be legal, valid and binding.

20.   GOVERNING LAW. This Contract shall be governed by and construed in
      accordance with the laws of the State of Illinois.

21.   ATTORNEY'S FEES; COSTS; VENUE. If a legal action or other proceedings are
      brought for the enforcement of this Contract, or because of any alleged
      dispute, breach, default or misrepresentation in connection with any of
      the provisions of this Contract, the prevailing party shall be entitled to
      recover reasonable attorneys' fees, administrative costs and other costs
      incurred in that action or proceeding in addition to any other relief to
      which it may be entitled. In addition, in the event of a material breach
      by Agent, Principal shall be entitled to recover all costs and loss
      associated with resolving the matter giving rise to said material breach.
      Venue for any such proceeding shall be a location of Principal's choice.

22.   OTHER AGREEMENTS VOID. It is expressly understood and agreed by and
      between the parties hereto that this Contract sets forth all the promises,
      agreements, conditions and understandings between Principal and Agent with
      respect to this Contract and the subject matter hereof. Pertaining to such
      Contract, there are no promises, agreements, conditions or understandings,
      either oral or written, between them other than as are herein set forth.

23.   CONTRACT. The terms and conditions of this Contract shall apply only to
      Principal named herein and shall not apply to any company now or hereafter
      affiliated with Principal or with Principal's parent Chicago Title and
      Trust Company.

24.   SIGNATURES IN COUNTERPART. This Contract and any amendments or attachments
      thereto may be executed in one or more counterparts, each of which shall
      be construed together to form one contract.

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                      FOIA CONFIDENTIAL TREATMENT REQUESTED

IN WITNESS WHEREOF, this Contract is executed this ____ day of __________, 2004.

AGENT:

[_______________________]

By: ______________________________
         [Name]
         [Title]

PRINCIPAL:

Chicago Title Insurance Company

By: ______________________________
         Peter T. Sadowski
         Executive Vice President

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                      FOIA CONFIDENTIAL TREATMENT REQUESTED

                        RIDER TO ISSUING AGENCY CONTRACT

This Rider to Issuing Agency Contract (hereinafter referred to as "Rider") is
made by and between Chicago Title Insurance Company ("Principal") and
_________________ ("Agent") in order to amend and modify the terms and
provisions of that certain Issuing Agency Contract dated ___________, 2004 and
executed contemporaneously herewith (the Issuing Agency Contract and this Rider
are hereinafter collectively referred to as the "Contract").

              RATES, REMITTANCES, AND GENERAL LIABILITY LIMITATION

1.    Attached hereto is the schedule of rates and remittances or manual for the
      area covered by this Contract. Agent shall quote, charge, and collect said
      rates for each policy issued. Principal reserves the right to amend this
      schedule, at its discretion.

2.    Principal will quote special rates on request for special or unusual
      situations.

3.    For extraordinary or extra-hazardous risks and for extensions of policy
      coverage, Principal reserves the right to set and determine the charge.

4.    For each commitment, policy and endorsement of Principal issued by Agent
      pursuant to this Contract, Agent shall report and remit that portion of
      premiums collected in each jurisdiction as set forth in EXHIBIT B. If the
      Loss Percentage during any calendar year, as herein defined, arising from
      policies issued by Agent, equals or exceeds ** percent (** %), Agent and
      Principal agree to review and adjust, in good faith, the remittance rate
      set forth in this paragraph and the general liability limit set forth in
      the Paragraph numbered "9" of this Rider. For the purposes of this
      paragraph, Loss Percentage shall mean the total losses incurred by
      Principal during a calendar year or portion thereof at the inception of
      this Agreement (including all costs and attorneys fees paid, net of
      recoupment, plus claim-based reserves set during such period) divided by
      remittances received pursuant to this paragraph during the same calendar
      year or portion thereof at the inception of this Agreement, expressed as a
      percentage.

5.    For charges made pursuant to Paragraphs numbered "2" and "3" of this
      Rider, and orders referred to Agent by Principal, Agent shall remit an
      amount as shall be agreed upon between Principal and Agent.

6.    Where Principal purchases reinsurance or excess coinsurance, a decision
      that rests solely with Principal, the division of the rates as herein
      provided shall be computed on the net amount remaining after deducting the
      costs thereof. Agent shall remit to Principal the cost of such reinsurance
      or coinsurance.

7.    All payments required hereunder shall be directed to Principal as
      hereafter set forth: Remitted premiums, together with any remittance
      report or information required by the Contract, shall be delivered to
      Principal at the following address: Chicago Title Insurance Company, P.O.
      Box 95594, Chicago, IL 60694, Attn: Agency Accounting no later than thirty
      (30) days following the Effective Date, as hereinafter defined, of the
      title assurance. The Effective Date of any title assurance shall be the
      policy date set forth in Schedule A of the title insurance policy.

8.    Compensation. Principal's compensation shall be the amount required to be
      remitted hereunder by Agent. Agent's compensation shall be the rates and
      charges herein required to be collected, less the amount remitted to
      Principal. It is the Parties' mutual understanding and intent to maintain
      an annual weighted average compensation to Principal (and/or its
      affiliates) of ** percent (** %) of the rates and charges required to be
      collected by Agent and its affiliates on a nationwide basis pursuant to
      all Issuing Agency Agreements in force between the Parties and/or their
      respective affiliates. The Parties hereto agree to assess on an annual
      basis the aggregate compensation of Principal and/or its affiliates under
      all such Issuing Agency Agreements, and to prospectively adjust the
      amounts remitted by Agent under one or more such Agreements in a good
      faith attempt to maintain the desired weighted average on a nationwide
      basis.

                    [Remainder of page intentionally blank.]

                                    Page 10
<PAGE>

                      FOIA CONFIDENTIAL TREATMENT REQUESTED

9.    General Liability Limit of Agent: Subject to the provisions of Paragraph
      8, Agent shall be liable for the first portion of any Loss sustained or
      incurred by Principal as a result of the issuance of the Title Assurances
      by Agent in the amount set forth on Exhibit B for the jurisdiction
      indicated.

Executed this ____ day of _________, 2004.

AGENT:                                 PRINCIPAL:

[_____________________]                Chicago Title Insurance Company

By: _____________________________               By: ____________________________
         [Name]                                         Peter T. Sadowski
         [Title]                                        Executive Vice President

                                    Page 11
<PAGE>

                      FOIA CONFIDENTIAL TREATMENT REQUESTED

                                   EXHIBIT "A"
                                 Geographic Area

[List of states in which Agent is appointed under the Agreement]

                                    Page 12
<PAGE>

                      FOIA CONFIDENTIAL TREATMENT REQUESTED

                                    EXHIBIT B
                          Premium Remittance Per State

<TABLE>
<CAPTION>
                                                       General Liability
                               Percentage Reported      Limit of Agent
           State                  and Remitted        (Para. 9 of Rider)
           -----               -------------------    ------------------
<S>                            <C>                    <C>
[List of states in which               ___%                $________
Agent is appointed under
the Agreement]
                                       ___%                $________
                                       ___%                $________
                                       ___%                $________
                                       ___%                $________
                                       ___%                $________
                                       ___%                $________
                                       ___%                $________
                                       ___%                $________
                                       ___%                $________
                                       ___%                $________
                                       ___%                $________
                                       ___%                $________
                                       ___%                $________
                                       ___%                $________
                                       ___%                $________
                                       ___%                $________
                                       ___%                $________
</TABLE>

                                    Page 13

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