Document:

exv10w64

 

Exhibit 10.64

Contract
No.                     

Software License and Services Agreement

This Software License and Services Agreement (“Agreement”) is made and entered into as of this
31st
day of March, 2000, between BroadVision,
Inc. (“BroadVision”) and Redenvelope
(“Customer”)

Address 201 Spear Street,
3rd
floor
              San Francisco, CA 94105

In consideration of the mutual covenants and conditions contained in this Agreement, the
parties agree as stated herein. The following attachments, required when applicable, are also part
of this Agreement:

	 	A.	 	Current Licensing Practices
	 
	 	B.	 	Required Provisions of Sublicenses
	 
	 	C.	 	Professional Services Terms & Conditions
	 
	 	D.	 	Business Terms

	 	1.	 	License.

	 	A.	 	BroadVision hereby grants to Customer a perpetual (unless terminated as set forth
herein), nonexclusive, and nontransferable license, subject to the terms and conditions of this
Agreement, to use the object code for the Software. For the purpose of this Agreement,
“Software” shall mean all versions, including current, previous, and subsequent versions, of all software products, together with operating instructions, user
manuals, training material, and other documentation as may, in BroadVision’s sole discretion, be
supplied to Customer.
	 
	 	B.	 	Customer may use the Software in accordance with BroadVision’s published licensing practices
in force at the time of delivery of the applicable Software products. BroadVision’s
current licensing practices are as set forth in Attachment A.
	 
	 	C.	 	Customer may not (a) rent, lease, or loan the Software; (b) electronically transmit the
Software over a network except as necessary for Customer’s licensed use of the Software; (c) use
run-time versions of third-party products embedded in the Software, if any, for any use other
than the intended use of the Software; (d) modify, disassemble, decompile, or reverse
engineer the Software; (e) transfer possession of any copy of the Software to another party, except
as expressly permitted herein; or (f) use the Software in any way not expressly provided for in
this Agreement. There are no implied licenses. Customer agrees not to exceed the scope of the
licenses granted herein.
	 
	 	D.	 	BroadVision also grants to Customer the right to grant nontransferable sublicenses to portions
of the Software, where such grants are explicitly permitted by BroadVision’s licensing practices.
Customer shall require each such sublicensee, before it may use or install the sublicensed
Software, to execute a written license agreement containing, at a minimum, the required provisions
specified in Attachment B. Customer shall indemnify BroadVision for all losses, costs, damages,
expenses, and liabilities caused by Customer’s failure to
include required terms in its sublicense
agreements with its sublicensees.

	 	2.	 	Payment, Prices.

	 	A.	 	Invoices shall be issued upon delivery of the products or services, unless specified herein to
the contrary, and shall be due and payable in United States currency upon receipt by Customer. Payment shall be overdue thirty (30) days after the
delivery date specified on the invoice. Overdue payments shall be subject to a finance charge of
one and one-half percent (1 1/2%) for each month or fraction thereof that the invoice is overdue,
or the highest interest rate permitted by applicable law, whichever is lower. BroadVision shall also
be reimbursed for its collection costs in the event of late payments, including reasonable
attorney’s fees.
	 
	 	B.	 	Software will be shipped FOB from BroadVision’s facility in Redwood City, California, U.SA., by
commercial surface transportation. Transportation charges in excess of such rates will be billed to
Customer. Software shall be deemed accepted upon delivery.
	 
	 	C.	 	The prices stated in BroadVision quotations are exclusive of any federal, state, municipal,
value-added, foreign withholding or other governmental taxes, duties, fees, excises, or tariffs
now or hereafter imposed on the production, storage, licensing, sale, transportation, import,
export, or use of the Software or any improvements, alterations, or amendments to
the Software. Customer shall be responsible for, and if necessary reimburse, BroadVision for all
such taxes, duties, fees, excises, or tariffs, except for governmental or local taxes imposed on
BroadVision’s corporate net income.

 

	SLSA 1/98	BroadVision, Inc.	Page 1 of 5

 

 

	 	3.	 	Software Maintenance.

	 	A.	 	BroadVision agrees to provide Customer with software maintenance subject to the following
provisions and conditions:

	 	i.	 	At Customer’s request, BroadVision shall provide software maintenance at prices to be quoted to
Customer. Software maintenance shall include (i) telephone and electronic mail support provided
during BroadVision’s normal working hours, and (ii) standard releases containing improvements or
modifications to the Software, where such improvements or modifications are not priced as separate
new products or options (“Standard Release”).
	 
	 	ii.	 	BroadVision shall provide software maintenance for any Standard Release until 180 days after
shipment of the subsequent Standard Release.
	 
	 	iii.	 	Customer shall designate three (3) or, with BroadVision’s prior written approval, more than
three (3) Support Contact Persons, who shall be responsible for communicating support issues to
BroadVision. Customer agrees to provide BroadVision with timely written notification containing all
details of software problems necessary for BroadVision to diagnose such problems. Customer agrees
to cooperate fully in providing BroadVision with Customer’s source code, in machine-readable form,
and other materials necessary to reproduce a reported software problem. Subject to Customer’s
security requirements, Customer agrees to provide BroadVision reasonable direct or remote access
and test time on Customer’s BroadVision system, for the purpose of diagnosing reported software
problems. If BroadVision provides on-site services at Customer’s request in connection with
software maintenance, Customer shall reimburse BroadVision for all travel and other reasonable
out-of-pocket expenses incurred with respect to such services.
	 
	 	iv.	 	
Software maintenance may also include any patch releases (“Patch Releases”) that BroadVision,
in its sole discretion, makes available. Patch Releases are intended to address material deviations
between the Software and its published specifications until a Standard Release can be made
available. Customer may install Patch Releases at its option.
	 
	 	v.	 	BroadVision shall not be responsible for maintaining Software that fails to comply with its
published specifications if such non-compliance is the result of modification of the Software by
Customer or third parties. If BroadVision expends its time on a noncompliance found to be the
result of any of the preceding, Customer shall pay BroadVision for such time at BroadVision’s
then-current hourly consulting rate.

	 	B.	 	Unless terminated by either party with at least ninety days notice, software maintenance
will automatically be renewed for successive one-year periods at BroadVision’s then-current prices
for software maintenance. In the event of termination for Customer’s breach or Customer’s
convenience, all maintenance fees shall be immediately due and payable without notice; in the event
of termination
for any other reason, Customer shall be entitled to a refund of maintenance fees already paid,
prorated for the unused portion of such fees.
	 
	 	C.	 	Annual software maintenance fees are due and payable in advance; in all other respects payments
are subject to the terms and conditions of the Agreement.
	 
	 	D.	 	If Customer initially declines software maintenance and then subsequently
elects to commence maintenance, or if maintenance for an item of Software is discontinued at
Customer’s request and then subsequently renewed, Customer shall pay the maintenance fees that
would have been due for the period during which maintenance was not provided.

	 	4.	 	Title to Software.
	 
	 	 	 	Customer shall include BroadVision’s copyright or proprietary rights notice on any copies of
the Software or associated documentation, including copyright or proprietary rights notices of
third parties that are included on media or in documentation provided by BroadVision. Customer
acknowledges that the Software is the property of BroadVision or its licensors.
	 
	 	5.	 	Warranty.
	 
	 	 	 	BroadVision warrants that the Software will conform in all material respects to its written
specifications when installed and for 90 days thereafter. For purposes of this Agreement, the sole
source of such specifications shall be BroadVision’s written user documentation. Customer will
notify BroadVision within 10 days after the expiration of the warranty period of any nonconformity.
Where a material

 

	SLSA 1/98	BroadVision, Inc.	Page 2 of 5

 

 

	 	 	 	nonconformity exists within the warranty period, and proper notice has been given to
BroadVision, BroadVision will, as its sole and exclusive liability to Customer, use due diligence
to correct the nonconformity and provide Customer with one copy of any such corrected version of
the Software, or, if BroadVision is unable to correct such nonconformances within a reasonable
period of time, refund all license fees paid to it for the Software, or the most recent software
maintenance fee paid for the Software, if the nonconformity relates to a Standard Release
delivered pursuant to Section 3 herein. THIS WARRANTY IS IN LIEU OF ALL OTHER WARRANTIES AND
CONDITIONS, EXPRESSED OR IMPLIED, AND BROADVISION EXPRESSLY DISCLAIMS ANY IMPLIED WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NONINFRINGEMENT.
	 
	 	6.	 	Limitation of Liability.
	 
	 	 	 	BroadVision’s liability to Customer under this Agreement or for any other reason relating to the
products and services provided under this Agreement, including claims for contribution or
indemnity, shall be limited to the amount paid to BroadVision under
this Agreement. NOTWITHSTANDING
THE FAILURE OF ESSENTIAL PURPOSE OF ANY REMEDY UNDER THIS AGREEMENT, THE PARTIES AGREE THAT IN NO
EVENT SHALL EITHER PARTY BE LIABLE FOR SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, INCLUDING
LOST PROFITS OR LOSS OF USE PROVIDED THAT LOST REVENUES ARISING FROM THE UNAUTHORIZED USE,
DISCLOSURE OR DISTRIBUTION OF SOFTWARE BY CUSTOMER SHALL BE DEEMED DIRECT DAMAGES.
	 
	 	7.	 	Intellectual Property Rights Indemnity.
	 
	 	 	 	BroadVision will defend and hold harmless Customer against any claim that the Software constitutes
infringement of a patent, copyright, trademark, or trade secret. BroadVision shall also indemnify
Customer for any reasonable expense incurred by Customer in connection with the foregoing.
BroadVision’s obligations under this section are conditioned upon BroadVision having sole control
of any such action, and upon Customer notifying BroadVision immediately in writing of the claim and
giving authority, information, and assistance necessary to settle or defend such claim. If the use
of the Software infringes or is enjoined, or BroadVision believes it is likely to infringe or be
enjoined, BroadVision may, at its sole option, (i) procure for
Customer the right to continue use of the licensed Software as furnished; (ii) replace the licensed
Software; (iii) modify the licensed Software to make it non-infringing, provided that the Software
still substantially conforms to the applicable specifications; or (iv) if BroadVision, after using
all commercially reasonable efforts, is unable to accomplish the foregoing remedies, terminate the
license and refund the license fee for the Software, less a proportional adjustment for the time
the Software was used by Customer, equal to the ratio of the time elapsed since the delivery date
to five (5) years. The indemnity provided herein shall not apply if the alleged infringement arises
from: (a) the use of other than a currently supported, unaltered release of the licensed Software;
(b) the use of Software that has been modified or merged with other programs by Customer; or (c)
the use of the licensed Software in combination with software or hardware not provided under this
Agreement. The foregoing states BroadVision’s sole and exclusive liability for patent, copyright,
or other proprietary rights infringement.
	 
	 	8.	 	Confidentiality of Software and Documents.

	 	A.	 	Customer shall not reproduce, duplicate, copy, sell, or otherwise disclose, or disseminate
the Software, including operating instructions, user manuals, and training materials, in any medium
except as authorized hereto. Customer may make copies of the Software, in machine readable form,
only as is reasonably necessary for archival and backup purposes.
	 
	 	B.	 	Customer expressly undertakes, using reasonable efforts not less than it exercises for its
own confidential materials, to retain in confidence, and to require its employees or consultants to
retain the Software in confidence, and will make no use of such information, except under the
terms and during the existence of this Agreement, and only to the extent that such use is
necessary to Customer’s employees or consultants in the course of their employment.
	 
	 	C.	 	The provisions of this section shall survive the termination of this Agreement for a period of
five (5) years.
	 
	 	D.	 	Customer shall not release the results of any benchmark of the Software, or of any third
party products embedded in the Software, without BroadVision’s prior written approval.
Nothing in the foregoing is intended to prohibit Customer from releasing data specific to the
performance of Customer’s site.

 

	SLSA 1/98	BroadVision, Inc.	Page 3 of 5

 

 

	9.	     	Audit Rights.

At BroadVision’s request, but in no event more than twice annually, Customer shall provide
BroadVision with a report detailing its use of the Software. No more than once annually,
BroadVision may audit Customer’s records to ensure that license and other fees have been properly
paid in compliance with this Agreement. Any such audit will be conducted during regular business
hours at Customer’s offices and shall not interfere unreasonably with Customer’s business
activities. If an audit reveals that Customer has underpaid its total fees by more than five
percent (5%), then Customer shall pay BroadVision’s reasonable costs of conducting the audit, in
addition to the underpaid amount.

	10.	 	Term/Termination.

This Agreement is effective on the earlier of (i) the date of shipment of the Software or (ii) the
date set forth above, and continues until terminated as provided herein, or by agreement of both
parties. BroadVision may terminate this Agreement upon: (a) any material breach of this Agreement
by Customer that is not cured within 30 days following written notice thereof; or (b) failure by
Customer to pay license fees for Software under the payment terms specified in this Agreement or as
stated on BroadVision’s invoice for such Software which failure remains uncured after 30 days
written notice thereof. Upon termination of this Agreement for any of the above reasons, all
licenses granted hereundear terminate and Customer will immediately destroy the Software and all
copies in any form. Upon termination for any other reason, Customer may continue to use the
Software, provided that Sections 1, 2 (to the extent that any amounts are owed to BroadVision as of
the termination date), 4, 6, 7, 8, 9, and 11 shall survive the termination of this Agreement, and
BroadVision may terminate Customer’s use of the Software upon a material breach of any of the
surviving sections.

	11.	 	General.

	 	A.	 	Waiver/Amendment. No waiver, amendment, or modification of any provision of this Agreement shall
be effective unless in writing and signed by the party against whom such waiver, amendment, or
modification is sought to be enforced. No failure or delay by either party in exercising any right,
power or remedy under this Agreement, except as specifically provided herein, shall be deemed as a
waiver of any such right, power, or remedy.
	 
	 	B.	 	Assignment. Either party may assign this Agreement to an entity acquiring
substantially all of its assets or merging with it, provided that such assignee agree in writing to
assume all obligations under this Agreement. Except as set forth above, neither party may assign
any of its rights or delegate any of its obligations under this Agreement to any third
party without the express written consent of the other. Any attempted assignment in violation of
the foregoing shall be void and of no effect. Subject to the above, this Agreement shall be
binding upon and inure to the benefit of the successors and assigns of the parties hereto.
	 
	 	C.	 	Disputes. The rights of the parties hereunder shall be governed by the laws of the State of
California without giving effect to principles of conflicts of laws. Any suits brought
hereunder may be brought in the federal or state courts in San Mateo County, California, and Customer submits to
the jurisdiction thereof. The parties expressly exclude the application of the 1980 United Nations
Convention on Contracts for the International Sale of Goods, if applicable.
	 
	 	 	 	Customer acknowledges that the Software contains trade secrets, the disclosure of which would cause
substantial harm to BroadVision that could not be remedied by the payment of damages alone.
Accordingly, BroadVision will be entitled to preliminary and permanent injunctive relief and other
equitable relief for any breach of BroadVision’s intellectual property rights in the Software.
	 
	 	D.	 	Severability. If any provision of this Agreement shall be held by a court of competent
jurisdiction to be contrary to law, the remaining provisions of this Agreement shall remain in full
force and effect.
	 
	 	E.	 	Export. Customer acknowledges that the laws and regulations of the United States restrict the
export of the Software. Customer agrees that it will not export or re-export the Software in any
form without first obtaining the appropriate United States and foreign government approvals.
	 
	 	F.	 	Notice. Any notice, consent, or other communication hereunder shall be in
writing, and shall be given personally, by confirmed fax or express delivery to either party at
their respective addresses:
	 
	 	 	 	(i)    to BroadVision at:

					
	 	 	 	 	 
	SLSA 1/98
	 	BroadVision, Inc.
	 	Page 4 of 5

 

 

BroadVision, Inc.

585 Broadway

Redwood City, CA 94063, USA

Attn: Chief Financial Officer

	 	 	 	 	 
	(ii) to Customer at:	 	 
	 

	 	201 Spear Street, 3rd floor
 

	 	 
	 

	 	San Francisco, CA 94105
 

	 	 
	 

	 	Attn: CIO
 

	 	 

or such other address as may be designated by written notice of either party. Notices shall be
deemed given when delivered or transmitted, or seven days after deposit in the mail.

	 	G.	 	Independent Contractors. The parties’ relationship shall be solely that of independent contractor
and nothing contained in this Agreement shall be construed to make either party an agent, partner,
joint venturer, or representative of the other for any purpose.
	 
	 	H.	 	Force Majeure. If the performance of this Agreement, or any obligation hereunder, except the
making of payments, is prevented, restricted, or interfered with by reason of any act or condition
beyond the reasonable control of the affected party, the party so affected will be excused from
performance to the extent of such prevention, restriction, or interference.
	 
	 	I.	 	Entire Agreement. This Agreement, including all Attachments hereto, constitutes the complete and
exclusive agreement between the parties with respect to the subject matter hereof and supersedes
all proposals, oral, or written, all previous negotiations, and all other communications between
the parties with respect to the subject matter hereof. The terms of this Agreement shall prevail
notwithstanding any different, conflicting, or additional terms that may appear in any purchase
order or other Customer document. All products and services delivered by BroadVision to Customer
are subject to the terms of this Agreement, unless specifically addressed in a separate agreement.

	 	 	 	 	 
	Agreed to by:

	 	BroadVision, Inc.	 	 
	 
	 	 	 	 
	 
	 	 	 	 
	 
	 	Signature	 	 
	 
	 	 	 	 
	 
	 	 	 	 
	 
	 	Printed Name	 	 
	 
	 	 	 	 
	 
	 	 	 	 
	 
	 	Title	 	 
	 
	 	 	 	 
	CUSTOMER:

	 	RedEnvelope	 	 
	 
	 	 	 	 
	 

	 	Company Name	 	 
	 	 

	 

	 	/s/ Christopher Cunningham
 

	 	 
	 

	 	Signature	 	 
	 	 

	 

	 	Christopher Cunningham
 

	 	 
	 

	 	Printed Name	 	 
	 	 

	 

	 	CIO
 

	 	 
	 

	 	Title	 	 

	SLSA 1/98	BroadVision, Inc.	Page 5 of 5

 

Contract No.                     

Attachment A to

Software License and Services Agreement

BroadVision Licensing Practices

BroadVision’s current standard licensing practices are as follows for the products listed
below. These practices are in effect as of June 15, 1999.

	 	•	 	One-To-One Development System — licensed on a per-user basis. In other words, each
individual who will use the One-To-One Development System to develop BroadVision One-To-One
applications must be separately licensed. Customer may reassign One-To-One Development System
licenses within reason, for example as employees terminate employment or transfer to other
departments. One-To-One Development System products include:

	 	•	 	Enterprise Development System — the basic BroadVision development system
	 
	 	•	 	Application Development System — includes the Enterprise Development System and the objects
and other products necessary to develop one of the BroadVision Applications (Retail
Commerce, Financial, or Knowledge)
	 
	 	•	 	Two Application Development System — same as the Application Development System, but
for two of the BroadVision Applications (NOTE: Business Commerce by itself is counted as a
Two Application Development System)
	 
	 	•	 	Three Application Development System — same as the Application Development System, but
for three of the BroadVision Applications

	 	•	 	One-To-One Deployment System — As part of this Agreement, BroadVision Deployment Licenses
shall take the form of CPUs (processors) powering the BroadVision Application System used for
production. The total number of CPUs shall be counted as the sum of all processors running the
BroadVision Interaction Manager and BroadVision One-to-One Services used for production purposes.
Processors running the BroadVision Interaction Manager and/or BroadVision One-to-One Services for
development, testing, staging, or other non-production purposes shall not required licenses.
One-To-One Tools — licensed on a per-user basis, similar to the One-To-One Development System
products. One-To-One Tools include:

	 	•	 	One-To-One Command Center, formerly known as the Dynamic Command Center, or DCC
	 
	 	•	 	One-To-One Publishing Center, formerly known as the Content Management Center, or CMC
	 
	 	•	 	One-To-One Instant Publisher
	 
	 	•	 	One-To-One Design Center, formerly known as the Visual Design Center, or VDC

	 	 	 	[NOTE: The One-To-One Command Center, the One-To-One Publishing Center, and the One-To-One Instant
Publisher may be sublicensed to third parties using Customer’s application software in accordance
with the terms of this Agreement.]

	SLSA Attachment A 7/99	BroadVision Inc.	Page 1 of 1

 

 

Attachment B to

Software License and Services Agreement

Required Provisions of Sublicense Agreements

Each agreement sublicensing the Software entered into between Customer and Customer’s end-users
(“End-Users”, “End-User License”) shall, at a minimum, state the following:

	 	a.	 	End-Users shall have the right to duplicate the Software only for backup or archival
purposes and to transfer the Software to a backup computer in the event of computer malfunction.
End-Users shall not make the Software available on any timesharing or other rental arrangements.
End-Users may not transfer their rights under the End-User License agreement without BroadVision’s
permission.
	 
	 	b.	 	End-Users shall not cause or permit the reverse engineering, disassembly, or
decompilation of the Software.
	 
	 	c.	 	Title shall not pass to the End-User.
	 
	 	d.	 	The End-User License agreement shall not include warranties, express or implied, made on
behalf of BroadVision.
	 
	 	e.	 	BroadVision shall not be liable for any damages, whether direct, indirect, incidental,
or consequential, arising from the use of the Software.
	 
	 	f.	 	At the termination of the End-User License, the End-User shall discontinue use and
shall destroy or return the Software to BroadVision, including all archival or other copies.
	 
	 	g.	 	The End-User License shall state that BroadVision is a third-party beneficiary of the
End-User License.
	 
	 	h.	 	The End-User shall not publish any result of benchmark tests run on the Software.
	 
	 	i.	 	The End-User shall comply fully with all relevant regulations of the United States
Department of Commerce and with the U.S. Export Administration to assure that the Software is not
exported in violation of the code and regulations.

	SLSA Attachment B 1/98	BroadVision, Inc.	Page 2 of 1

 

 

Contract No.                     

Attachment C to

Software License and Services Agreement

Professional Services Terms and Conditions

	 	 	This Attachment C is incorporated into the Software License and Services Agreement (the
“Agreement”) dated
the              day of                     , 19 _ between BroadVision,
Inc. (“BroadVision”) and                     
(“Customer”). The terms and conditions contained herein are subject in all respects to the terms
and conditions of that Agreement, except that in the event of a conflict between the terms of this
Attachment C and the Agreement, the terms of this Attachment C shall govern.

	1.	 	Scope of Work; Consideration.

BroadVision will perform such services as set forth in an exhibit to this Attachment C, or in a
purchase order prepared by Customer and accepted by BroadVision, or in any other written form
agreed to by the parties (the “Statement of Work”). Unless otherwise set forth in the Statement of
Work, in consideration of BroadVision’s performance as herein set forth, Customer agrees to pay
BroadVision the actual charges for the services performed and expenses incurred, and Customer will
be invoiced once each month for all charges incurred in the previous period(s). The services or
other deliverables provided under each Statement of Work shall be deemed accepted on delivery,
unless otherwise specified in the Statement of Work. In the event of a conflict between the terms
of any Statement of Work and this Attachment C, the terms of the Statement of Work shall govern
with respect to the services specified in that Statement of Work.
	 
	2.	 	Limitation of Charges.

No liability shall be incurred by Customer in excess of the amount, if any, set forth in the
Statement of Work unless and until such Statement of Work is amended in writing by both parties.
Such amount normally includes professional services, but not materials and out-of-pocket expenses
reasonably required for contract performance. BroadVision is not required to continue performance
beyond the funding limitation set forth therein unless and until Customer shall have notified
BroadVision in writing that such funding limitation has been increased and shall have specified in
such notice a revised estimated charge. When and to the extent that the funding limitation set
forth has been increased, any charges incurred by BroadVision in excess of the funding limitation
prior to the increase shall be allowable, due and payable to the same extent
as if such charges were incurred after such increase in the estimated charge and funding
limitation.
	 
	3.	 	Changes.

Changes shall be made in writing and signed by authorized representatives of Customer and
BroadVision. All such changes shall specify the changes ordered, any increases in the estimated
charges for performance, adjustment to the schedule of performance, and any changes to other terms
and conditions as may be effected thereby.
	 
	4.	 	Title.

BroadVision shall have title to the software, systems design, and documentation arising out of
performance or delivery to Customer under a Statement of Work. The parties acknowledge that
performance thereunder may result in the development of new concepts, software, methods,
techniques, processes, adaptations, and ideas, in addition to BroadVision’s prior technology which
may be incorporated in BroadVision’s performance. The parties agree that the same shall belong to
BroadVision exclusively without regard to the origin thereof. With respect to all such software,
system design information and documentation delivered to or disclosed to Customer pursuant to the
Statement of Work (“Application Software”), BroadVision hereby grants to Customer, as of the time
that any such Application Software is disclosed to Customer by or on behalf of BroadVision, a
license in respect of the software so disclosed. Unless otherwise agreed to in writing by the
parties, each such license shall be a perpetual, irrevocable, non-exclusive, non-transferable,
royalty-free license to use the Application Software in conjunction with the Software and for any
use of the Software permitted by this Agreement.
	 
	5.	 	Limitation of Liability.

BROADVISION’S LIABILITY TO CUSTOMER UNDER THIS ATTACHMENT C, INCLUDING CLAIMS FOR CONTRIBUTION
OR INDEMNITY, SHALL BE LIMITED TO THE AMOUNTS PAID BY CUSTOMER FOR THE SERVICES PROVIDED HEREUNDER.
	 
	6.	 	Disclaimer of Warranty.

THE SERVICES PROVIDED UNDER THIS ATTACHMENT C AND THE APPLICATION SOFTWARE ARE OFFERED EXCLUSIVE OF ANY WARRANTY, INCLUDING, WITHOUT LIMITATION, ALL WARRANTIES OF
MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR ANY OTHER WARRANTY, WHETHER EXPRESSED OR
IMPLIED.

	7.	 	On-Site Personnel.

The parties acknowledge that it may be necessary for the employees of each to be present at the
facilities of the other for extended periods of time. The parties agree to provide the employees of
the other with all reasonable facilities and services to assure that their services may be properly
performed. Each party will instruct their employees to conform with the internal regulations and
procedures of the other party while on such party’s premises.

	SLSA Attachment C 1/98	BroadVision, Inc.	Page 1 of 1

 

Attachment D to

Software License and Services Agreement

Business Terms

This Attachment D is incorporated into the Software License and Services Agreement (the
“Agreement”) dated
the ___ day of                     , 2000, between Broad Vision Inc. (“Broad Vision”) and                     
(“Customer”). The terms, and conditions contained herein are subject in all respects to the terms
and conditions of the Agreement, except that in the event of a conflict between the terms of this
Attachment D and the Agreement, the terms of this Attachment D shall govern. All prices assume US
Dollars. This quote expires on March 31, 2000.

DEVELOPMENT
& CPU BASED DEPLOYMENT

	 	 	 	 	 	 	 	 	 	 	 	 	 
	DEVELOPMENT & MAINTENANCE DESCRIPTION	 	QUANTITY	 	UNIT PRICE	 	EXTENDED PRICE
	One-to-One Retail Commerce
	 	 	4	 	 	 	$[*]	 	 	 	$[*]	 
	Command Center 
	 	 	6	 	 	 	$[*]	 	 	 	$[*]	 
	Publishing Center
	 	 	4	 	 	 	$[*]	 	 	 	$[*]	 
	Instant Publishers
	 	 	15  	 	 	 	$[*]	 	 	 	$[*]	 
	Design Centers (5 user license)
	 	 	1	 	 	 	$[*]	 	 	 	$[*]	 
	Deployment:
CPU 1
	 	 	8	 	 	 	$[*]	 	 	 	$[*]	 
	BV Software Sub-Total
	 	 	 	 	 	 	 	 	 	 	$[*]	 
	BV Discount (Based on Volume & Timing)
	 	 	 	 	 	 	 	 	 	 	$[*]	 
	Total Cost of Broad Vision Software
	 	 	 	 	 	 	 	 	 	 	$[*]	 
	Support
& Maintenance ([*]% of software license, prepaid annually)
	 	 	 	 	 	 	 	 	 	 	$[*]	 
	 	 

	TOTAL COST SOFTWARE & MAINTENANCE
	 	 	 	 	 	$[*]

APPLICATION SPECIFIC — DEPLOYMENT SITE LICENSE UPGRADE 

	 	 	 	 	 	 	 	 	 	 	 	 	 
	DEVELOPMENT & MAINTENANCE DESCRIPTION	 	QUANTITY	 	UNIT PRICE	 	EXTENDED PRICE
	Deployment
	 	Unlimited	 	 	N/A	 	 	 	 	 
	Total Cost of Broad Vision Software*
	 	 	 	 	 	 	 	 	 	 	$[*]	 
	Support & Maintenance ([*] of software license, prepaid annually)
	 	 	 	 	 	 	 	 	 	 	$[*]	 
	TOTAL COST SOFTWARE & MAINTENANCE
	 	 	 	 	 	$[*]

 

			
	1	 	CPU licenses are needed for all machines running either BV Interaction Managers and/or BV 1:1
Services except as noted below under the section entitled: “additional considerations.” CPU
estimate based on peak volume of 500 concurrent users and assumptions
on the following (page turn
rate = 20 secs, % age CPU Utilization = 70%, Dynamic Page Percentage = 70%). These numbers are
estimates, and may vary according to other factors.
	 	 

	*	 	Confidential treatment has been requested for portions of this exhibit. The copy filed
herewith omits the information subject to the confidentiality request. Omissions are designated as
[*]. A complete version of this exhibit has been filed separately with the Securities and Exchange
Commission.

 

 

Deployment Site License Upgrade Considerations:

Customer
has the right to use unlimited deployment licenses for www.redenvelope.com at
their discretion for a period of 1.5 years from date of upgrade. This option may be exercised on or
before 12/15/00. At the conclusion of the site license period, BroadVision and Customer will
jointly audit the number of licenses in use. At such time, Customer will own the audited number of
deployment licenses in perpetuity. After the site license period, Customer may purchase additional
deployment licenses for [*] per profile (up to 10M profiles).

Customer may purchase additional development and/or tools licenses according to the standard price
list in effect at time of purchase.

*Additional Verity license fees apply and are not included in this site license upgrade.

Additional considerations:

 BroadVision will give Customer a one-time option to convert its deployment license
model from CPU to Profile with no financial penalty. This option may be exercised on or before
December 15, 2000. Customer must notify BroadVision in writing should such a deployment license
conversion be exercised. At such tune, BroadVision will calculate the conversion between the two
deployment models based on a straight conversion from BroadVision’s price list.

Customer is not required to pay additional license fees should it elect to install a BroadVision
application on a fail-over (hot standby) machine for fault tolerance. Customer is also not required
to pay for additional licenses for staging/QA/development system.

All graphics, content, and content design shall be provided by customer or customer’s agent.

Maintenance is pre-paid annually. These prices do not include sales tax. Payment terms on all
software and maintenance are Net [*].

	 	 	 	 	 
	Agreed to by:
	 	 	 	 
	 
	 	 	 	 
	BroadVision, Inc.

	 	 

	 	 
	 
	 	 	 	 
	 

	 	Signature
 

	 	 
	 

	 	Printed Name
 

	 	 
	 

	 	Title
 

	 	 
	 
	 	 	 	 
	CUSTOMER
	 	/s/ Christopher Cunningham
 

	 	 
	 

	 	Signature	 	 
	 	 

	 

	 	Christopher Cunningham
 

Printed Name
	 	 
	 	 

	 

	 	CIO
 

Title
	 	 

			
	*	 	Confidential treatment has been requested for portions of this exhibit. The copy filed
herewith omits the information subject to the confidentiality request. Omissions are designated as
[*]. A complete version of this exhibit has been filed separately with the Securities and Exchange
Commission.

 

 

Attachment D-2 to General Terms and Conditions of the

Software License and Services Agreement

Additional Commercial Terms

Following are commercial terms and conditions incorporated into the Software License and
Services Agreement (the “Agreement”) dated the
31st day of March, 2000 by and between BroadVision,
Inc. (“BroadVision”) and RedEnvelope, Inc. (“Customer”). The terms and conditions contained herein
are subject in all respects to the terms and conditions of the Agreement, except that in the event
of a conflict between the terms of this Attachment and the Agreement, the terms of this Attachment
shall govern. This Attachment shall not be effective until executed by Customer and accepted by an
authorized representative of BroadVision. The effective date of this Attachment shall be the date
of the last signature below.

SOFTWARE

DEPLOYMENT CPU BASED

	 	 	 	 	 	 	 	 	 	 	 
	Item	 	Unit Price	 	Units	 	Total	 
	One-To One Commerce 7.0, Solaris
	 	$[*] per Perpetual CPU	 	4 Perpetual Deployment CPU’s	 	$	[*]	 
	 
	 	 	 	 	 	 	 	 	 	 
	Total License Fee for Deployment CPU’s licensed hereunder	 	$	[*]	 
	 
	 	 	 	 	 	 	 	 	 	 
	Standard Maintenance
	 	[*]%	 	1st year	 	$	[*]	 
	 
	 	 	 	 	 	 	 	 	 	 
	Total License Fee and Maintenance
	 	$	[*]	 

Customer shall have the right to maintain four (4) hot back-up CPUs (“Hot Back-ups”) for a period
of 72 hours within any 7 day period between the dates of November 22nd to December 26th,
at no additional charge. BroadVision shall be entitled to monitor and audit Customer’s use of these
Hot Back-ups. In the event Customer’s use of the Hot Back-ups exceed the 72 hour time period,
Customer shall immediately be obligated to pay to BroadVision an additional license fee for each of
the additional deployment CPUs for the One-To-One Commerce Software in the amount of $[*] per
additional deployment CPU used in excess of the 72 hour time period and Standard Maintenance for
each such additional deployment CPU for the initial year in the amount of $[*].

Software Licensed Location:

201
Spear St.,
3rd
Floor

San
Francisco, CA 94105-1630

Language

	-	 	All products will be provided in English, unless otherwise specifically indicated herein.

Additional Terms and Conditions

	-	 	Maintenance

	 
	 	 	Maintenance Fees are calculated at [*]% per year of the net license fee.
	 
	 	 	Annual software maintenance fees are due and payable in advance.

	-	 	Payment Terms
	 
	 	 	Invoices shall be issued upon delivery of the products and/or services and shall be due and payable
in US Dollars upon receipt by Customer. Payment shall be overdue ninety (90) days after the
delivery date specified on the invoice.

	-	 	Purchase Order
	 
	 	 	As per the customer’s request, a purchase order has to be completed and duly signed and will
be transmitted together with this Attachment D to BroadVision.
	 
	 	 	Is a purchase order required?
                þ Yes                 o No

 

			
	*	 	Confidential treatment has been requested for portions of this exhibit. The copy filed herewith omits the information subject to the confidentiality request. Omissions are designated as [*]. A complete version of this exhibit has been filed separately with the Securities and Exchange Commission.

					
	 	 	 	 	 
	Attachment D-2 Commercial Terms
	 	BroadVision, Inc.
	 	Page 1 of 2

 

Attachment
D-2 to General Terms and Conditions of the

Software License and Services Agreement

Additional Commercial Terms

Additional orders for BroadVision Software may be made on an additional attachment to this
Agreement or on a Customer purchase order.

	-	 	Validity of this offer
	 
	 	 	This offer is only valid until

	-	 	
30th day of September 2002. 

All amounts are in US Dollars, excluding
any applicable taxes.
	 
	-	 	Sales Tax Exemption / Resale Certificates
	 
	 	 	Pursuant to section 2 of the Agreement, Customer shall pay all sales and use tax resulting from the
Agreement. If the Customer is exempt from sales tax please indicate below applicable exemption.
	 
	 	 	                     Direct Payment Exemption (Direct Payment Exemption certificate required)
	 
	 	 	                     Tax exempt entity
	 
	 	 	The Direct Payment Certificate must be faxed to BroadVision Accounting Department at (650)
261-5677.

By execution below, each signer certifies that he/she is authorized to accept and execute
this Attachment on behalf of his/her company:

	 	 	 	 	 	 	 
	CUSTOMER: RedEnvelope, Inc.
	 	 	 	BoardVision, Inc.:
	 	 
	 
	 	 	 	 	 	 
	/s/ Alison L. May

	 	 	 	/s/ Andrew J. Nash	 	 
	 

	 	 	 	 	 	 
	Signature

	 	 	 	Signature	 	 
	 
	 	 	 	 	 	 
	Alison L. May

	 	 	 	Andrew J. Nash	 	 
	 

	 	 	 	 	 	 
	Printed Name

	 	 	 	Printed Name	 	 
	 
	 	 	 	 	 	 
	Pres & CEO
	 	 	 	Chief Operating Officer	 	 
	 

	 	 	 	 	 	 
	Title
	 	 	 	Title	 	 
	 
	 	 	 	 	 	 
	Sept 25, 2002

	 	 	 	9/26/02	 	 
	 

	 	 	 	 	 	 
	Date

	 	 	 	Date	 	 

					
	 	 	 	 	 
	Attachment D-2 Commercial Terms
	 	BroadVision, Inc.
	 	Page 2 of 2

 

Attachment D-3 to the Software License and Services Agreement

Additional Commercial Terms and Release

Following are terms and conditions incorporated into the Software License and Services Agreement
(the “Agreement”) dated the 31st day of March 2000 by and between BroadVision, Inc.
(“BroadVision”) and Red Envelope, Inc. (“Customer”). The terms and conditions contained herein are
subject in all respects to the terms and conditions of the Agreement, except that in the event of a
conflict between the terms of this Attachment and the Agreement, the terms of this Attachment
shall govern. This Attachment shall not be effective until executed by Customer and accepted by an
authorized representative of BroadVision (“Effective Date”).

1. Software License

Deployment
CPU Licenses Purchased:

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	UNIT	 	DISCOUNTED	 	 
	PRODUCT	 	PLATFORM	 	QUANTITY	 	COST	 	COST*	 	TOTAL
	BROADVISION

COMMERCE 7.0
	 	SOLARIS	 	12 UPGRADE * 

DEPLOYMENT CPUS*	 	$	[*]	 	 	$   	[*]	 	 	$	[*]	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	TOTAL LICENSE
	 	$	[*]	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 

 

			
	*	 	Customer is upgrading its 12 single-core processor licenses to 12 dual-core processor licenses.
Upon execution of this Attachment and payment to BroadVision of the
fees due hereunder, Customer
shall have a total of 12 dual-core processor, perpetual BroadVision Commerce 7.0 Deployment CPU
licenses. Customer is not given the license or right to use the Software on 24 single-core
processors.

A dual-core processor consists of two execution cores within a single chip package. For example,
Sun’s UltraSpare IV processor is a dual-core processor, as it consists of two execution cores
within the chip package; an UltraSpare III processor in its own chip package is a single-core
processor. This clarifying example by no means limits Customer’s use of other forms or brands of
dual-core processors.

As a point of clarification for the purpose of license counting, BroadVision One-To-One
Services includes any BroadVision-provided or based CORBA Server.

BroadVision grants Customer the right to have the Software installed on a back-up disaster
recovery system (“Back-Up”), not exceeding the number of CPUs licensed without paying additional
license fees to BroadVision. This right is further contingent upon (i) there being no overlap
period of time when both the Back-Up and the regular system are concurrently operational and
(ii) the Back-Up only being operational during a disaster
recovery situation. In the event the
Back-Up is used in any other manner, additional license fees will he owed to BroadVision.

2. Release

In exchange for the consideration paid hereunder, BroadVision hereby releases Customer from all
actions, causes of action, suits, rights, debts, sums of money, accounts, accountings,
controversies, liabilities, damages, judgments, executions, claims, or demands of every nature
whatsoever, in law or equity or arbitration, whether based on contract, tort, statutory or other
legal or equitable theory of recovery, whether known or unknown, asserted or unasserted, existing
as of the effective date of this Attachment and based on, arising out of or relating solely to
Customer’s past use of licenses in excess of those previously purchased under the Agreement
(“Release”). The consideration paid hereunder shall fully satisfy all claims by BroadVision that
Customer used unlicensed Software prior to the date of execution of this Attachment and shall
operate as an accord and satisfaction of any such claims. Notwithstanding the foregoing, this
Release shall not apply to any breach of any other term and/or condition set forth in the Agreement
by either Party including, but not limited to, Customer’s unauthorized disclosure of the Software
to third parties in violation of the terms of the Agreement.

 

			
	*	 	Confidential treatment has been requested for portions of this exhibit. The copy filed
herewith omits the information subject to the confidentiality request. Omissions are designated as
[*]. A complete version of this exhibit has been filed separately with the Securities and Exchange
Commission.

 

 

A general release does not extend to claims which the creditor does not know or
suspect to exist in his favor at the time of executing the release, which if known
to him must have materially affected his settlement with the debtor.

The
parties acknowledge that they have been fully informed by their counsel concerning the effect
and import of this agreement under California Civil Code Section 1542 and other requirements of
law.

3. Software Locations

Customer
current installation locations for Software are as follows:

Development Software: North America

Deployment Software: North America

	4.	 	The locations set forth above are the sole locations where Customer is authorized to install
and use the Software (“Authorized Location”) as of the date
of execution of this Attachment. License Fees for use of the development Software have been calculated based on the Authorized
Location. In the event Customer desires to use the development Software at additional locations or
to move any of the development Software to a new location, Customer shall (prior to such use or
move) first obtain BroadVision authorization to move the Software to the desired additional or new
location(s), which authorization shall not be unreasonably withheld. An amendment to this
Attachment must be executed between the parties prior to movement or use of the development
Software at any other location.

5. Additional Terms and Conditions

	 	a.	 	Payment Terms. Customer’s payment must accompany return of this signed Attachment to
BroadVision.
	 
	 	b.	 	Validity of this offer This offer is only valid until 28th day of October 2005. All amounts
are in US Dollars, excluding any applicable taxes.
	 
	 	c.	 	Sales Tax Exemption/Resale Certificates. Pursuant to Section 2 of the Agreement, Customer
shall pay all sales and use tax resulting from the Agreement. If Customer is exempt from sales tax,
please indicate below applicable exemption.

______
Direct Payment Exemption (Direct Payment Exemption certificate required)

______
Tax exempt entity

By execution below, each signer certifies that he/she is authorized to accept and execute this
Attachment on behalf of his/her company:

	 	 	 	 	 	 	 
	RedEnvelope, Inc.

	 	 	 	BroadVision, Inc.	 	 
	 
	 	 	 	 	 	 
	/s/ Alison L. May
 

	 	 
	 	/s/ William E. Meyer
 

	 	 
	Name: Alison L. May

	 	 	 	Name: William E. Meyer	 	 
	Title: Pres & CEO

	 	 	 	Title: Chief Financial Officer	 	 
	Date: Oct 22, 2005

	 	 	 	Date: 10/31/05<PAGE>

                                                                    EXHIBIT 10.1

================================================================================

                 SECURITIES EXCHANGE AND DISTRIBUTION AGREEMENT

                            DATED AS OF JUNE 25, 2006

                                     BETWEEN

                        FIDELITY NATIONAL FINANCIAL, INC.

                                       AND

                       FIDELITY NATIONAL TITLE GROUP, INC.

================================================================================

<PAGE>

                                TABLE OF CONTENTS

<TABLE>
<CAPTION>
                                                                            Page
                                                                            ----
<S>                                                                         <C>
ARTICLE I       DEFINITIONS..............................................     2
SECTION 1.1.    Definitions..............................................     2
SECTION 1.2.    Other Definitions........................................     6

ARTICLE II      CLOSING TRANSACTIONS.....................................     7
SECTION 2.1.    Asset Contribution, Assumption of Liabilities and
                Delivery of Shares.......................................     7
SECTION 2.2.    Closing..................................................     8
SECTION 2.3.    Closing Deliveries.......................................     8
SECTION 2.4.    Conversion of FNT Class B Common Stock...................     9
SECTION 2.5.    Adjustments..............................................     9

ARTICLE III     REPRESENTATIONS AND WARRANTIES...........................     9
SECTION 3.1.    Representations and Warranties of FNF....................     9
                (a) Organization, Standing and Corporate Power...........     9
                (b) Capital Structure of the Subject Companies...........     9
                (c) Authority; Noncontravention..........................    11
                (d) Absence of Certain Changes or Events.................    12
                (e) Absence of Changes in Subject Company Benefit Plans..    13
                (f) Benefit Plans........................................    13
                (g) Taxes................................................    14
                (h) No Excess Parachute Payments; Section 162(m) of the
                    Code.................................................    15
                (i) SEC Documents; Subject Company Financial Statements..    15
                (j) Information Supplied.................................    17
                (k) Compliance with Applicable Laws......................    18
                (l) Litigation...........................................    18
                (m) Brokers..............................................    19
                (n) Opinion of Financial Advisor.........................    19
                (o) Other Assets.........................................    19
                (p) No Guaranty of FIS Obligations.......................    19
                (q) Environmental Matters................................    19
                (r) FIS Merger Agreement.................................    20
SECTION 3.2.    Representations and Warranties of FNT....................    20
</TABLE>

<PAGE>

<TABLE>
<S>                                                                         <C>
                (a) Organization, Standing and Corporate Power...........    20
                (b) Capital Structure....................................    21
                (c) Authority; Noncontravention..........................    22
                (d) Absence of Certain Changes or Events.................    23
                (e) Absence of Changes in FNT Benefit Plans..............    24
                (f) FNT Benefit Plans....................................    24
                (g) Taxes................................................    24
                (h) No Excess Parachute Payments; Section 162(m) of the
                    Code.................................................    25
                (i) SEC Documents; Financial Statements..................    25
                (j) Information Supplied.................................    27
                (k) Compliance with Applicable Laws......................    27
                (l) Litigation...........................................    28
                (m) Brokers..............................................    28
                (n) Opinion of Financial Advisor.........................    28
                (o) Voting Requirements..................................    28

ARTICLE IV      COVENANTS................................................    28
SECTION 4.1.    Conduct of Business......................................    28
                (a) Conduct of Business by the Subject Companies.........    28
                (b) Conduct of Business by FNF...........................    31
                (c) Conduct of Business by FNT...........................    32
SECTION 4.2.    Advice of Changes........................................    34

ARTICLE V       ADDITIONAL AGREEMENTS....................................    34
SECTION 5.1.    Preparation of Form S-1 and the Information Statement;
                Preparation of Form S-8..................................    34
SECTION 5.2.    Treatment of FNF Equity Awards...........................    35
                (a) Options..............................................    35
                (b) Restricted Stock.....................................    35
                (c) Vesting..............................................    36
SECTION 5.3.    Employee Benefits........................................    36
SECTION 5.4.    FNT Stockholders Meeting.................................    37
SECTION 5.5.    Access to Information....................................    37
SECTION 5.6.    Reasonable Best Efforts..................................    38
SECTION 5.7.    Public Announcements.....................................    38
SECTION 5.8.    Consents, Approvals and Filings..........................    38
SECTION 5.9.    Directors and Officers...................................    38
</TABLE>

                                      -ii-

<PAGE>

<TABLE>
<S>                                                                         <C>
SECTION 5.10.   Section 16 Matters.......................................    39
SECTION 5.11.   Related Party Agreements.................................    39
SECTION 5.12.   Certain Contributions....................................    39
SECTION 5.13.   Amended and Restated Articles............................    39
SECTION 5.14.   Intercompany Agreements..................................    39
SECTION 5.15.   Spin-off.................................................    39
SECTION 5.16.   Indemnification and Insurance............................    40
SECTION 5.17.   NYSE Listing.............................................    41
SECTION 5.18.   Conversion of FNT Class B Common Stock...................    41
SECTION 5.19.   Repayment of Promissory Notes............................    42

ARTICLE VI      CONDITIONS PRECEDENT.....................................    42
SECTION 6.1.    Conditions Precedent to Each Party's Obligations.........    42
                (a) Governmental and Regulatory Consents.................    42
                (b) No Injunctions or Restraints.........................    42
                (c) FNT Stockholder Approval.............................    42
                (d) Form S-1.............................................    43
                (e) FIS Merger Agreement.................................    43
                (f) Amendment of Related Party Agreements................    43
                (g) Termination of Intercompany Agreements...............    43
SECTION 6.2.    Conditions Precedent to Obligations of FNT...............    43
                (a) Representations and Warranties.......................    43
                (b) Performance of Obligations of FNF....................    43
                (c) Third-Party Consents and Waivers.....................    43
                (d) Other Agreements.....................................    44
                (e) Tax Matters..........................................    44
                (f) FNF Board Approval of Spin-off.......................    44
                (g) Assumed Liabilities..................................    44
SECTION 6.3.    Conditions Precedent to Obligations of FNF...............    44
                (a) Representations and Warranties.......................    44
                (b) Performance of Obligations of FNT....................    45
                (c) Third-Party Consents and Waivers.....................    45
                (d) Other Agreements.....................................    45
                (e) NYSE Listing.........................................    45
                (f) Tax Matters..........................................    45
</TABLE>

                                      -iii-

<PAGE>

<TABLE>
<S>                                                                         <C>
ARTICLE VII     TERMINATION, AMENDMENT AND WAIVER........................    45
SECTION 7.1.    Termination..............................................    45
SECTION 7.2.    Effect of Termination....................................    46
SECTION 7.3.    Amendment................................................    46
SECTION 7.4.    Extension; Waiver........................................    46

ARTICLE VIII    GENERAL PROVISIONS.......................................    47
SECTION 8.1.    Nonsurvival of Representations and Warranties............    47
SECTION 8.2.    Fees and Expenses........................................    47
SECTION 8.3.    Notices..................................................    47
SECTION 8.4.    Interpretation...........................................    48
SECTION 8.5.    Counterparts.............................................    48
SECTION 8.6.    Entire Agreement; Third-Party Beneficiaries..............    49
SECTION 8.7.    Assignment...............................................    49
SECTION 8.8.    Governing Law............................................    49
SECTION 8.9.    Enforcement; Venue; Waiver of Jury Trial.................    49
SECTION 8.10.   Severability.............................................    50
</TABLE>

EXHIBITS

Exhibit A   Form of Amended and Restated Articles
Exhibit B   Form of Assumption Agreement
Exhibit C   Form of Cross-Indemnity Agreement
Exhibit D   Form of Tax Disaffiliation Agreement

                                      -iv-
<PAGE>

                 SECURITIES EXCHANGE AND DISTRIBUTION AGREEMENT

          SECURITIES EXCHANGE AND DISTRIBUTION AGREEMENT, dated as of June 25,
2006 (this "Agreement"), between Fidelity National Financial, Inc., a Delaware
corporation ("FNF"), and Fidelity National Title Group, Inc., a Delaware
corporation ("FNT").

          WHEREAS, FNF owns (i) all of the issued and outstanding shares of
capital stock or other equity securities (the "Scheduled Securities") of the
entities listed on Schedule A to this Agreement (the "Scheduled Entities"); (ii)
14,400,000 shares of common stock of Fidelity Sedgwick Holdings, Inc., a
Delaware corporation ("FSH"; such shares, the "FSH Shares"); and (iii) 70,720
membership interests in Cascade Timberlands LLC, a Delaware limited liability
company ("Cascade" and, collectively with the Scheduled Entities and FSH, the
"Subject Companies"; such membership interests, the "Cascade Interests" and,
collectively with the Scheduled Securities and the FSH Shares, the "Subject
Securities");

          WHEREAS, FNF owns the Other Assets (as hereinafter defined);

          WHEREAS, FNF desires to transfer to FNT, and FNT desires to acquire
from FNF, all of the Subject Securities and all of the Other Assets in exchange
for the issuance by FNT to FNF of the FNT Shares (as hereinafter defined) and
the assumption by FNT of the Assumed Liabilities (as hereinafter defined)
(collectively, the "Asset Contribution");

          WHEREAS, the board of directors of FNT has resolved to recommend to
the stockholders of FNT that they approve (i) the issuance of the FNT Shares,
(ii) the adoption of an amendment to the FNT 2005 Omnibus Incentive Plan (the
"FNT Stock Plan") to increase the number of shares available for grants
thereunder by 6,500,000 (the "FNT Stock Plan Amendment") and (iii) an amendment
and restatement of the articles of incorporation of FNT to be effected
immediately following the effective time of the FIS Merger (as hereinafter
defined) such that, after giving effect thereto, the articles of incorporation
of FNT shall be substantially in the form of Exhibit A hereto (the "Amended and
Restated Articles") and, among other things, the name of FNT shall be "Fidelity
National Financial, Inc."; and

          WHEREAS, the board of directors of FNF has approved the conversion by
FNF of its shares of FNT Class B Common Stock into shares of FNT Class A Common
Stock and the distribution, following the Closing, of all of the shares of FNT
Class A Common Stock held by FNF to the holders of the outstanding shares of
capital stock of FNF as of the Record Date (as defined herein) for such
distribution (the "Spin-off");

          NOW, THEREFORE, in consideration of the representations, warranties,
covenants and agreements contained in this Agreement, FNF and FNT agree as
follows:

<PAGE>

                                   ARTICLE I

                                   DEFINITIONS

          SECTION 1.1. Definitions. For purposes of this Agreement, the
following terms shall have the respective meanings set forth below:

          Action or Proceeding: means any charge, complaint, grievance, action,
suit, litigation, proceeding or arbitration, whether civil, criminal,
administrative or investigative, by any Person, or any investigation or audit by
any Governmental Entity.

          affiliate: of any Person means another Person that directly or
indirectly, through one or more intermediaries, controls, is controlled by, or
is under common control with, such first Person.

          Assumed Liabilities: means all Liabilities of FNF, including the FNF
Transaction Liabilities to the extent not paid by FNF prior to the Closing as
required by Section 8.2, but excluding (i) all Liabilities of FNF to the extent
FIS or any subsidiary of FIS has, as of or prior to the Closing, agreed in
writing to be responsible therefor, (ii) all Liabilities of FNF to the extent
arising out of or related to the ownership or operation of the assets or
properties, or the operations or conduct of the business, of FIS or any
subsidiary of FIS, to the extent FIS or any subsidiary of FIS has, as of or
prior to the Closing, agreed to be responsible therefor, (iii) all guaranties or
other similar contractual Liabilities of FNF in respect of a primary Liability
of FIS or any subsidiary of FIS, and (iv) any Liability of FNF in respect of
Taxes (as defined in the Tax Disaffiliation Agreement).

          Code: means the Internal Revenue Code of 1986, as amended.

          Disclosure Schedule: means the Disclosure Schedule (including any
attachments thereto) delivered in connection with, and constituting a part of,
this Agreement.

          Dual Service Provider: means an employee or director of FNF, who,
following the Spin-off, will be employed by or serve as a director of both (a)
FNT or any FNT Subsidiary and (b) FIS or any subsidiary of FIS, as so designated
by the board of directors of FNF.

          Environment: means ambient air, surface water, ground water, land
surface or subsurface strata.

          Environmental Claim: means, with respect to any Person, any written
notice or claim by any other Person alleging or asserting Liability for
investigatory costs, cleanup costs, response costs, personal injury, damage to
natural resources and fines or penalties arising out of, based on or resulting
from (a) the presence or release into the Environment of any Hazardous Material
or (b) circumstances forming the basis of any violation or alleged violation of,
or Liability or alleged Liability under, any Environmental Law.

          Environmental Law: means any Law concerning pollution or protection of
the Environment, including all those relating to the use, production,
generation, handling,

                                       -2-

<PAGE>

transportation, treatment, storage, disposal, distribution, labeling, testing,
processing, discharge, release, threatened release, control or cleanup of any
Hazardous Material.

          Exchange Number: means the sum of (a) 34,042,553 and (b) (i) the
amount of cash included in the Other Assets, not to exceed $275,000,000, divided
by (ii) $23.5.

          Excluded FNF Assets: means (i) any shares of capital stock of FNT, FIS
or National Title Insurance of New York, Inc. and (ii) any other assets listed
on Section 1.1(a) of the Disclosure Schedule.

          FIS: means Fidelity National Information Services, Inc.

          FIS Merger: means the merger of FNF into FIS pursuant to the FIS
Merger Agreement.

          FIS Merger Agreement: means the merger agreement, of even date
herewith, between FNF and FIS, providing for, among other things, the FIS
Merger.

          FNF Material Adverse Effect: means (x) any event, circumstance or
change that, individually or in the aggregate, is or would reasonably be likely
to be materially adverse to the assets, Liabilities, business, condition
(financial or otherwise) or results of operations of the Transferred Business
taken as a whole, other than any such event, circumstance or change to the
extent resulting from (A) changes in general economic conditions affecting the
United States occurring after the date hereof, (B) general changes or
developments in the industries in which the Transferred Business is operated
occurring after the date hereof, (C) changes in laws or regulations occurring
after the date hereof or (D) the announcement of this Agreement and the
transactions contemplated hereby, including any termination of, reduction in or
similar negative impact on the relationships, contractual or otherwise, with any
customers, distributors, partners or employees of the Subject Companies or the
Subject Company Subsidiaries to the extent due to the announcement of this
Agreement or the identity of the parties hereto, unless, in the case of the
foregoing clause (A) or (B), such changes referred to therein have a materially
disproportionate effect on the Transferred Business, taken as a whole, relative
to other participants in the industries in which the Transferred Business is
operated, or (y) any material adverse effect on the ability of FNF to perform
its obligations hereunder or to consummate the transactions contemplated hereby
on a timely basis.

          FNF Transaction Liabilities: means all Liabilities of FNF, whether due
or to become due, for all out-of-pocket expenses (including all fees and
disbursements of financial advisors, legal counsel and other advisors and
consultants to FNF and the special committee of the board of directors of FNF)
incurred in connection with the Asset Contribution, the Spin-off, the FIS Merger
and the other transactions contemplated by this Agreement.

          FNT Class A Common Stock: means FNT Class A Common Stock, par value
$0.0001 per share.

          FNT Class B Common Stock: means FNT Class B Common Stock, par value
$0.0001 per share.

                                       -3-

<PAGE>

          FNT Common Stock: means, collectively, FNT Class A Common Stock and
FNT Class B Common Stock.

          Form S-1: a registration statement on Form S-1 (or Form S-4, if
available) under the Securities Act to be filed with the SEC, if required, in
respect of the distribution to stockholders of FNF of shares of common stock of
FNT by FNF in connection with the Spin-off.

          Form S-8: means a registration statement on Form S-8 under the
Securities Act to be filed with the SEC in respect of the Replacement Options.

          GAAP: means U.S. generally accepted accounting principles,
consistently applied.

          Hazardous Material: means any hazardous material, toxic substance,
pollutant or hazardous waste (including any petroleum products or byproducts)
defined or regulated as such under any Environmental Laws.

          HSR Act: the Hart-Scott-Rodino Antitrust Improvements Act of 1976, as
amended.

          Information Statement: the Information Statement to be filed with the
SEC by FNT pursuant to Regulation 14C under the Exchange Act relating to the FNT
Stockholder Approval, which may form part of the Form S-1 (if permitted).

          Lien: means any mortgage, pledge, deed of trust, claim, security
interest, encumbrance, burden, title defect, charge or other similar
restriction, lease, sublease, claim, right of others, title retention agreement,
option, interest, easement, covenant, encroachment or other adverse claim.

          Liabilities: means any direct or indirect liability, indebtedness,
claim, loss, damage, deficiency, obligation, penalty, responsibility, cost or
expense, fixed or unfixed, choate or inchoate, liquidated or unliquidated,
secured or unsecured, accrued, absolute, known or unknown, contingent or
otherwise.

          NYSE: means the New York Stock Exchange, Inc.

          Option Letter Agreement: means the agreement of even date herewith
among FNF, William P. Foley, II, Alan L. Stinson and Brent Bickett.

          Organizational Documents: as to any Person, its certificate or
articles of incorporation or formation, by-laws and other organizational
documents.

          Other Assets: means all cash held by FNF as of the Closing and all
other properties, assets and rights of any nature, kind and description,
tangible and intangible (including goodwill), whether real, personal or mixed,
held by FNF immediately prior to the Closing, other than (i) the Subject
Securities and (ii) the Excluded FNF Assets.

                                       -4-

<PAGE>

          Permitted Liens: means any (a) Lien that constitutes an Assumed
Liability, (b) any Lien arising from acts of FNT, (c) any Lien for taxes not yet
due or delinquent or being contested in good faith by appropriate proceedings
and for which adequate accruals or reserves (as determined according to GAAP)
have been established on the appropriate financial statements with respect
thereto, (d) any Lien (other than for taxes) arising by operation of statute and
(e) any Lien set forth on Section 1.1(b) of the Disclosure Schedule.

          Person: means an individual, corporation, partnership, joint venture,
association, trust, unincorporated organization or other entity.

          Record Date: means the close of business on the date to be determined
by the FNF board of directors as the record date for determining the
stockholders of FNF entitled to receive shares of FNT Class A Common Stock
pursuant to a pro-rata distribution of shares of FNT Class A Common Stock as
part of the Spin-off.

          SAP: means, with respect to any regulated insurance company, the
statutory accounting practices prescribed or permitted by the state Governmental
Entity charged with supervision of insurance companies in the domiciliary state
of such company.

          Subject Company Material Adverse Effect: means, as to any Subject
Company or any of its subsidiaries, any event, circumstance or change that,
individually or in the aggregate, is or would reasonably be likely to be
materially adverse to the assets, Liabilities, business, condition (financial or
otherwise) or results of operations of such Subject Company (or, in the case of
a Subject Company Subsidiary, the Subject Company of which such entity is a
subsidiary) and its subsidiaries taken as a whole, other than any such event,
circumstance or change to the extent resulting from (A) changes in general
economic conditions affecting the United States occurring after the date hereof,
(B) general changes or developments in the industries in which such Subject
Company and its subsidiaries operate occurring after the date hereof, (C)
changes in laws or regulations occurring after the date hereof or (D) the
announcement of this Agreement and the transactions contemplated hereby,
including any termination of, reduction in or similar negative impact on the
relationships, contractual or otherwise, with any customers, distributors,
partners or employees of such Subject Company or any of it subsidiaries to the
extent due to the announcement of this Agreement or the identity of the parties
hereto, unless, in the case of the foregoing clause (A) or (B), such changes
referred to therein have a materially disproportionate effect on such Subject
Company and its subsidiaries, taken as a whole, relative to other participants
in the industries in which such Subject Company and such subsidiaries operate.

          Subject Company Subsidiary: means a subsidiary of a Subject Company.

          subsidiary: of any Person means another Person 50% or more of the
total combined voting power of all classes of capital stock or other voting
interests of which, or 50% of more of the equity securities of which, is owned
directly or indirectly by such first Person; provided that for purposes of this
Agreement FNT and the FNT Subsidiaries shall not be considered subsidiaries of
FNF.

          Transferred Business: means, collectively, the Subject Companies, the
Subject Company Subsidiaries, the Other Assets and the Assumed Liabilities.

                                       -5-

<PAGE>

          SECTION 1.2. Other Definitions. In addition, the following capitalized
terms are defined in the Sections or other provisions of this Agreement set
forth below:

<TABLE>
<S>                                                          <C>
Agreement.................................................              Preamble
Amended And Restated Articles.............................              Recitals
Asset Contribution........................................              Recitals
Assumption Agreement......................................        Section 2.3(d)
Cascade...................................................              Recitals
Cascade Interests.........................................              Recitals
Cascade LLC Agreement.....................................        Section 3.1(b)
Closing...................................................           Section 2.2
Closing Date..............................................           Section 2.2
Cross-Indemnity Agreement.................................        Section 2.3(f)
ERISA.....................................................        Section 3.1(f)
Exchange Act..............................................        Section 3.1(c)
Executive Officers........................................        Section 3.1(d)
Filed FNF SEC Documents...................................        Section 3.1(d)
Filed FNT SEC Documents...................................        Section 3.2(d)
FIS.......................................................        Section 4.1(b)
FNF.......................................................              Preamble
FNF Insurance Company.....................................        Section 3.1(i)
FNF Option................................................        Section 5.2(a)
FNF Restricted Shares.....................................        Section 5.2(b)
FNF SEC Documents.........................................        Section 3.1(i)
FNT.......................................................              Preamble
FNT Benefit Plans.........................................        Section 3.2(f)
FNT Commonly Controlled Entity............................        Section 3.2(f)
FNT Insurance Company.....................................        Section 3.2(i)
FNT Material Adverse Effect...............................        Section 3.2(a)
FNT Preferred Stock.......................................        Section 3.2(b)
FNT SEC Documents.........................................        Section 3.2(i)
FNT Service Providers.....................................           Section 5.2
FNT Shares................................................        Section 2.1(a)
FNT Stock Plan............................................              Recitals
FNT Stock Plan Amendment..................................              Recitals
FNT Stockholder Approval..................................        Section 3.2(c)
FNT Stockholders Meeting..................................          Section 5.4
FNT Subsidiary............................................        Section 3.2(a)
FSH.......................................................              Recitals
FSH Shares................................................              Recitals
Governmental Entity.......................................        Section 3.1(c)
Indemnified Parties.......................................       Section 5.16(a)
Insurance Regulator.......................................        Section 3.1(k)
Intercompany Agreements...................................          Section 5.14
IRS.......................................................        Section 3.1(g)
Jacksonville Court........................................           Section 8.9
Non-Specialty Insurance Companies.........................        Section 3.1(i)
</TABLE>

                                       -6-

<PAGE>

<TABLE>
<S>                                                          <C>
Non-Specialty Insurance Company Balance Sheet.............        Section 3.1(i)
Pension Plan..............................................        Section 3.1(f)
Permit....................................................        Section 3.1(k)
Related Party Agreements..................................          Section 5.11
Replacement Option........................................        Section 5.2(a)
Replacement Restricted Share..............................        Section 5.2(b)
Representatives...........................................           Section 5.5
Restricted Share Exchange Number..........................        Section 5.2(b)
Scheduled Entities........................................              Recitals
Scheduled Securities......................................              Recitals
SEC.......................................................        Section 3.1(c)
Securities Act............................................        Section 3.1(i)
Specialty Insurance Companies.............................        Section 3.1(i)
Specialty Insurance Company Financial Statements..........        Section 3.1(i)
Spin-off..................................................              Recitals
Spin-off Declaration......................................          Section 5.15
Subject Companies.........................................              Recitals
Subject Company Benefit Plans.............................        Section 3.1(f)
Subject Company Commonly Controlled Entity................        Section 3.1(f)
Subject Company Financial Statements......................        Section 3.1(i)
Subject Securities........................................              Recitals
Tax Disaffiliation Agreement..............................        Section 2.3(e)
Transfer Agent............................................          Section 5.15
Unconsolidated FNF Financial Statements...................   Section 3.1(i)(iii)
Welfare Plan..............................................        Section 3.1(f)
</TABLE>

                                   ARTICLE II

                              CLOSING TRANSACTIONS

          SECTION 2.1. Asset Contribution, Assumption of Liabilities and
Delivery of Shares. Upon the terms and subject to the conditions of this
Agreement, at the Closing (as hereinafter defined):

          (a) FNF shall transfer to FNT all right, title and interest of FNF in
     and to all of the Subject Securities and all right, title and interest of
     FNF in and to the Other Assets in exchange for (i) the Exchange Number of
     shares (the "FNT Shares") of FNT Class A Common Stock, and (ii) the
     assumption by FNT of the Assumed Liabilities; and

          (b) FNT shall issue and deliver the FNT Shares to FNF and assume and
     agree to pay, honor and discharge when due all of the Assumed Liabilities
     in accordance with their respective terms pursuant to the Assumption
     Agreement (as hereinafter defined), in exchange for the Subject Securities
     and the Other Assets.

                                       -7-
<PAGE>

          SECTION 2.2. Closing. Unless this Agreement shall have been terminated
pursuant to Section 7.1 and subject to the satisfaction or waiver of each of the
conditions set forth in Article VI, the transfer by FNF to FNT of the Subject
Securities and Other Assets, the issuance and delivery by FNT to FNF of the FNT
Shares and the assumption by FNT of the Assumed Liabilities (the "Closing")
shall take place at 9:00 a.m. on the date that is the seventh day following the
date on which the last to be fulfilled or waived of the conditions set forth in
Article VI (other than those to be fulfilled or waived as of the Closing) shall
be fulfilled or waived in accordance with this Agreement, at the offices of
LeBoeuf, Lamb, Greene & MacRae LLP, 125 West 55th Street, New York, New York,
unless another date, time or place is agreed to in writing by the parties
hereto. The actual date and time of the Closing are herein referred to as the
"Closing Date."

          SECTION 2.3. Closing Deliveries. At the Closing:

          (a) FNF shall deliver to FNT certificates representing the respective
     Subject Securities, together with duly executed transfer forms including
     all such deeds, instruments, stock powers, transfer stamps or other
     documents as may be necessary to transfer full legal and beneficial
     ownership of such Subject Securities to FNT, free and clear of all Liens
     other than Permitted Liens;

          (b) FNF shall execute and deliver to FNT a bill of sale and such other
     deeds, instruments or other documents (each in substance and form
     reasonably satisfactory to FNT) as may be necessary to transfer full legal
     and beneficial title to the Other Assets to FNT, free and clear of all
     Liens other than Permitted Liens, and any cash that is a part of the Other
     Assets shall be paid by wire transfer of immediately available funds to an
     account designated by FNT to FNF in writing no later than two Business Days
     before the Closing;

          (c) FNT shall issue and deliver to FNF the FNT Shares, free and clear
     of all Liens;

          (d) FNT shall execute and deliver to FNF an assumption agreement with
     respect to the Assumed Liabilities in the form attached hereto as Exhibit B
     (the "Assumption Agreement");

          (e) FNT and FNF shall execute and deliver, and FNF shall cause FIS to
     execute and deliver, a tax disaffiliation agreement in the form attached as
     Exhibit C ("Tax Disaffiliation Agreement");

          (f) FNT shall execute and deliver, and FNF shall cause FIS to execute
     and deliver, a cross-indemnity agreement in the form attached as Exhibit D
     (the "Cross-Indemnity Agreement"); and

          (g) FNF shall deliver to FNT the certificate referred to in Section
     6.2(a) and FNT shall deliver to FNF the certificate referred to in Section
     6.3(a).

                                      -8-

<PAGE>

          SECTION 2.4. Conversion of FNT Class B Common Stock. FNF shall convert
all shares of FNT Class B Common Stock held by it into shares of FNT Class A
Common Stock in accordance with Section 5.18.

          SECTION 2.5. Adjustments. Notwithstanding anything in this Agreement
to the contrary, if, between the date of this Agreement and the Closing Date,
the issued and outstanding shares of capital stock of FNT or securities
convertible or exchangeable into or exercisable for shares of capital stock of
FNT shall have been changed into a different number of shares or a different
class by reason of any reclassification, recapitalization, redenomination,
merger, issuer tender or exchange offer, or other similar transaction (other
than repurchase of shares, issuance of shares pursuant to exercise of stock
options or grants of stock options to employees made in the ordinary course of
business consistent with past practice), then the consideration set forth in
Section 2.1(a) of this Agreement and any other dependent items shall be
equitably adjusted and as so adjusted shall, from and after the date of such
event, be such consideration or other dependent item.

                                   ARTICLE III

                         REPRESENTATIONS AND WARRANTIES

          SECTION 3.1. Representations and Warranties of FNF. FNF represents and
warrants to FNT as follows:

          (a) Organization, Standing and Corporate Power. Each of FNF, each
     Subject Company and each Subject Company Subsidiary (as hereinafter
     defined) is a corporation, limited liability company or other legal entity
     duly organized, validly existing and in good standing (in such
     jurisdictions where such concept is applicable) under the laws of the
     jurisdiction of its organization and has the requisite corporate, limited
     liability company or other entity power and authority to carry on its
     business as now being conducted. Each of FNF, the Subject Companies and the
     Subject Company Subsidiaries is duly qualified to do business and is in
     good standing (in such jurisdictions where such concept is applicable) in
     each jurisdiction in which the nature of its business or the ownership or
     leasing of its properties makes such qualification necessary, other than in
     such jurisdictions where the failure to be so qualified (individually or in
     the aggregate) would not have an FNF Material Adverse Effect (in the case
     of FNF) or a Subject Company Material Adverse Effect (in the case of such
     Subject Company and its subsidiaries). True and complete copies of the
     Organizational Documents of each Subject Company and each Subject Company
     Subsidiary as in effect on the date hereof have been heretofore made
     available to FNT.

          (b) Capital Structure of the Subject Companies.

               (i) Section 3.1(b)(i) of the Disclosure Schedule sets forth for
          each Subject Company: (i) the number, type, class and series of equity
          securities of such Subject Company that are (x) in the case of any
          Subject Company that is a wholly-owned subsidiary of FNF, issued and
          outstanding, or (y) in the case of any

                                      -9-

<PAGE>

          Subject Company that is not a wholly-owned subsidiary of FNF, issued
          and outstanding as of May 31, 2006; (ii) the number of equity
          securities of such Subject Company reserved for issuance pursuant to
          outstanding options, warrants or other similar rights; and (iii) the
          number of equity securities of such Subject Company held by FNF or by
          such Subject Company in its treasury. Except as set forth above, (A)
          as of May 31, 2006, no shares of capital stock or other equity
          securities of any Subject Company that is not a wholly-owned
          subsidiary of FNF are issued, reserved for issuance or outstanding,
          and (B) no shares of capital stock or other equity securities of any
          Subject Company that is a wholly-owned subsidiary of FNF are issued,
          reserved for issuance or outstanding. All outstanding shares of
          capital stock, membership interests or other equity securities of each
          Subject Company are, and all shares, membership interests or other
          equity securities that may be issued pursuant to any employee stock
          plan, options, warrants or other similar rights will be, when issued,
          duly authorized, validly issued, fully paid and nonassessable and not
          subject to preemptive rights. No bonds, debentures, notes or other
          indebtedness of any Subject Company having the right to vote (or
          convertible into, or exchangeable for, securities having the right to
          vote) on any matters on which the stockholders of any Subject Company
          may vote are issued or outstanding. Except as set forth in Section
          3.1(b)(i) of the Disclosure Schedule, FNF is the record and beneficial
          owner of all of the outstanding shares of capital stock, membership
          interests or other equity securities of each Subject Company, free and
          clear of all Liens, but in the case of the Cascade Interests, subject
          to the terms of the Cascade Timberlands LLC Amended and Restated
          Limited Liability Company Agreement dated as of December 31, 2004 (the
          "Cascade LLC Agreement"). Except as set forth in Section 3.1(b)(i) of
          the Disclosure Schedule, there are no securities, preemptive rights,
          options, warrants, rights, commitments or agreements of any kind to
          which FNF or any Subject Company is a party or by which any of them is
          bound obligating any of them to issue, sell or deliver, or repurchase,
          redeem or otherwise acquire, shares of capital stock or other equity
          or voting securities of any Subject Company, or obligating any of them
          to issue, sell, deliver, grant, extend or enter into any such
          security, option, warrant, right, commitment or agreement. Except as
          set forth in Section 3.1(b)(i) of the Disclosure Schedule, neither FNF
          nor any Subject Company is a party to or bound by any agreement,
          proxy, voting trust or other arrangement restricting the transfer of
          any Subject Securities or affecting the voting of any shares of
          capital stock of FNF or of any Subject Securities. Assuming FNT has
          the requisite power and authority to be the lawful owner of the
          Subject Securities, upon the consummation of the transactions
          contemplated by this Agreement, good and valid title to the Subject
          Securities will pass to FNT, free and clear of all Liens other than
          Permitted Liens and in the case of the Cascade Interests, subject to
          the terms of the Cascade LLC Agreement.

               (ii) Section 3.1(b)(ii) of the Disclosure Schedule lists each
          Subject Company Subsidiary. Except as set forth in Section 3.1(b)(ii)
          of the Disclosure Schedule, all of the outstanding shares of capital
          stock or other equity securities of each Subject Company Subsidiary
          have been validly issued and are fully paid and non-assessable (in the
          case of any Subject Company Subsidiary that is not

                                      -10-

<PAGE>

          organized in the United States, to the extent such concepts are
          applicable) and are owned by such Subject Company, free and clear of
          all Liens other than Permitted Liens. No bonds, debentures, notes or
          other indebtedness of any Subject Company Subsidiary having the right
          to vote (or convertible into, or exchangeable for, securities having
          the right to vote) on any matters on which the stockholders of any
          Subject Company Subsidiary may vote are issued or outstanding. Except
          as set forth in Section 3.1(b)(ii) of the Disclosure Schedule, there
          are no securities, preemptive rights, options, warrants, rights,
          commitments or agreements of any kind to which any Subject Company or
          any Subject Company Subsidiary is a party or by which any of them is
          bound obligating any of them to issue, sell or deliver, or repurchase,
          redeem or otherwise acquire, shares of capital stock or other equity
          or voting securities of any Subject Company Subsidiary, or obligating
          any of them to issue, sell, deliver, grant, extend or enter into any
          such security, option, warrant, right, commitment or agreement. Except
          as set forth in Section 3.1(b)(ii) of the Disclosure Schedule, no
          Subject Company nor any Subject Company Subsidiary is a party to or
          bound by any agreement, proxy, voting trust or other arrangement
          restricting the transfer or affecting the voting of any shares of
          capital stock of any Subject Company Subsidiary. Except for the
          capital stock or other equity securities of the Subject Companies and
          the Subject Company Subsidiaries and the other ownership interests
          listed in Section 3.1(b)(ii) of the Disclosure Schedule, none of FNF,
          the Subject Companies or the Subject Company Subsidiaries owns,
          directly or indirectly, any capital stock or other ownership interest
          in any Person other than interests held for investment purposes that
          do not exceed 10% of the voting securities of any such single Person.
          Except as set forth in Section 3.1(b)(ii) of the Disclosure Schedule
          or for investment portfolio activities of any FNF Insurance Company,
          none of FNF or, to the knowledge of FNF, the Subject Companies (other
          than FSH or Cascade) or the Subject Company Subsidiaries (other than
          any subsidiary of FSH or Cascade) is subject to any obligation or
          requirement or has entered into any agreement to make any investment
          (in the form of a capital contribution, loan or otherwise) in any
          Person other than in Subject Companies (other than FSH or Cascade) and
          Subject Company Subsidiaries (other than any subsidiary of FSH or
          Cascade).

               (iii) Section 3.1(b)(iii) of the Disclosure Schedule sets forth
          all outstanding stock options, grants of restricted stock, stock
          appreciation rights, phantom stock, equity awards, and similar rights
          with respect to FNF as of May 31, 2006, and identifies which options
          and rights are subject to FNT's obligation to grant Replacement
          Options or Replacement Restricted Shares (as defined herein) pursuant
          to Section 5.2 hereof.

          (c) Authority; Noncontravention. FNF has the requisite corporate power
     and authority to enter into this Agreement and to consummate the
     transactions contemplated by this Agreement. The execution and delivery of
     this Agreement by FNF and the consummation by FNF of the transactions
     contemplated hereby have been duly authorized by all necessary corporate
     action on the part of FNF. This Agreement has been duly executed and
     delivered by FNF and, assuming this Agreement constitutes the valid and
     binding agreement of FNT, constitutes a valid and binding obligation of
     FNF,

                                      -11-

<PAGE>

     enforceable against FNF in accordance with its terms, subject to the effect
     of any applicable bankruptcy, insolvency (including all laws relating to
     fraudulent transfers), reorganization, moratorium or similar laws affecting
     creditors' rights generally and subject to the effect of general principles
     of equity. Except as set forth in Section 3.1(c) of the Disclosure
     Schedule, the execution and delivery of this Agreement do not, and the
     consummation of the transactions contemplated by this Agreement and
     compliance with the provisions hereof will not, (x) conflict with any of
     the provisions of the Organizational Documents of FNF or of any Subject
     Company or Subject Company Subsidiary, (y) subject to the matters referred
     to in the next sentence, conflict with, result in a breach of or default
     (with or without notice or lapse of time, or both) under, give rise to a
     right of termination, cancellation or acceleration of any obligation or
     loss of a material benefit under, require the consent of any Person under,
     or result in the creation of any Lien on any property or asset of FNF or
     any Subject Company or Subject Company Subsidiary under, any indenture or
     other agreement, permit, franchise, license or other instrument or
     undertaking to which FNF or such Subject Company or Subject Company
     Subsidiary is a party or by which FNF or any Subject Company or Subject
     Company Subsidiary or any of their assets is bound or affected, or (z)
     subject to the matters referred to in the next sentence, contravene any
     statute, law, ordinance, rule, regulation, order, judgment, injunction,
     decree, determination or award applicable to FNF or any Subject Company or
     Subject Company Subsidiary or any of their respective properties or assets,
     which, in the case of clauses (y) and (z) above, individually or in the
     aggregate, would reasonably be expected to have an FNF Material Adverse
     Effect (in the case of FNF) or a Subject Company Material Adverse Effect
     (in the case of any Subject Company and its subsidiaries). No consent,
     approval or authorization of, or declaration or filing with, or notice to,
     any court, tribunal, arbitrator or any government or political subdivision
     thereof, whether federal, state, county, local or foreign, or any agency,
     authority, official or instrumentality of any such government or political
     subdivision (a "Governmental Entity"), is required by or with respect to
     FNF, the Subject Companies or any of the Subject Company Subsidiaries in
     connection with the execution and delivery of this Agreement by FNF or the
     consummation by FNF of the transactions contemplated hereby, except for (i)
     the approvals, filings or notices required under the insurance laws of the
     jurisdictions set forth in Section 3.1(c) of the Disclosure Schedule, (ii)
     the filing with the Securities and Exchange Commission (the "SEC") of such
     reports and other filings under the Securities Exchange Act of 1934, as
     amended (the "Exchange Act"), as may be required in connection with this
     Agreement and the transactions contemplated by this Agreement, (iii) the
     filing with the SEC of the Form S-1, (iv) such other consents, approvals,
     authorizations, declarations, filings or notices as are set forth in
     Section 3.1(c) of the Disclosure Schedule, and (v) such other consents,
     approvals, authorizations, declarations, filings or notices the failure to
     obtain or make which, in the aggregate, would not have an FNF Material
     Adverse Effect (in the case of FNF) or a Subject Company Material Adverse
     Effect (in the case of any Subject Company and its subsidiaries).

          (d) Absence of Certain Changes or Events. Except as set forth in the
     FNF SEC Documents filed and publicly available prior to the date of this
     Agreement (the "Filed FNF SEC Documents") or Section 3.1(d) of the
     Disclosure Schedule or in connection with the transactions contemplated
     hereby, since December 31, 2005, each of

                                      -12-

<PAGE>

     FNF, the Subject Companies and the Subject Company Subsidiaries has
     conducted its business only in the ordinary course consistent with past
     practice, and there has not been (i) any change, circumstance, effect,
     event, development or occurrence that, individually or in the aggregate,
     has had or would reasonably be expected to have an FNF Material Adverse
     Effect (in the case of FNF) or a Subject Company Material Adverse Effect
     (in the case of any Subject Company and its subsidiaries), (ii) any
     declaration, setting aside or payment of any dividend or other distribution
     (whether in cash, stock or property) with respect to any of FNF's or the
     Subject Company's outstanding equity securities (except, in the case of
     FNF, for ordinary quarterly cash dividends), (iii) any split, combination
     or reclassification of any of the Subject Companies' outstanding equity
     securities or any issuance or the authorization of any issuance of any
     other securities in respect of, in lieu of or in substitution for its
     outstanding equity securities, (iv) (x) any granting by any Subject Company
     to any of the President, the Chief Executive Officer, the Chief Financial
     Officer, the General Counsel or any Executive Vice President (the
     "Executive Officers") of such Subject Company of any increase in
     compensation, except in the ordinary course of business consistent with
     prior practice or as was required under employment agreements in effect as
     of December 31, 2005, (y) any granting by any Subject Company to any such
     Executive Officer of any increase in severance or termination pay, except
     as was required under any employment, severance or termination agreements
     in effect as of December 31, 2005 or (z) any entry by any Subject Company
     into any employment, severance or termination agreement with any such
     Executive Officer or (v) any change in accounting methods, principles or
     practices by any Subject Company or Subject Company Subsidiary materially
     affecting its assets, liabilities or business, including in the case of any
     FNF Insurance Company (as hereinafter defined), any change with respect to
     the establishment of reserves for unearned premiums, losses and loss
     adjustment expenses, except insofar as may have been required by a change
     in GAAP or SAP.

          (e) Absence of Changes in Subject Company Benefit Plans. Except as set
     forth in Section 3.1(e) of the Disclosure Schedule, since December 31,
     2005, there has not been any adoption or material amendment by any Subject
     Company or any Subject Company Subsidiary of any collective bargaining
     agreement or any Subject Company Benefit Plan (as defined in Section
     3.1(f)).

          (f) Benefit Plans. (i) Each "employee pension benefit plan" (as
     defined in Section 3(2) of the Employee Retirement Income Security Act of
     1974, as amended ("ERISA")) (hereinafter a "Pension Plan"), "employee
     welfare benefit plan" (as defined in Section 3(1) of ERISA) (hereinafter a
     "Welfare Plan"), and each other plan, arrangement or policy (written or
     oral) relating to compensation, deferred compensation, severance, fringe
     benefits or other employee benefits, in each case maintained or contributed
     to, or required to be maintained or contributed to, by FNF, any Subject
     Company or any Subject Company Subsidiary for the benefit of any present or
     former officer, employee, agent, director or independent contractor of FNF,
     such Subject Company or such Subject Company Subsidiary (all the foregoing
     being herein called "Subject Company Benefit Plans") has been established,
     funded, maintained and administered in all material respects in accordance
     with its terms and in compliance in all

                                      -13-

<PAGE>

     material respects with the applicable provisions of ERISA, the Code, all
     other applicable laws and all applicable collective bargaining agreements.

               (ii) None of FNF, the Subject Companies, the Subject Company
          Subsidiaries or any other Person or entity that together with such
          Subject Company is treated as a single employer under Section 414(b),
          (c), (m) or (o) of the Code (each a "Subject Company Commonly
          Controlled Entity") has incurred any material Liability under Title IV
          of ERISA (other than for the payment of benefits or Pension Benefit
          Guaranty Corporation insurance premiums, in either case in the
          ordinary course).

               (iii) No Subject Company Commonly Controlled Entity is obligated
          to contribute to any "multiemployer plan" (as defined in Section
          4001(a)(3) of ERISA) or has withdrawn from or incurred any contractual
          Liability to any multiemployer plan resulting or which would
          reasonably be expected to result in any material "withdrawal
          liability" (within the meaning of Section 4201 of ERISA) that has not
          been fully paid.

               (iv) There are no material Actions or Proceedings pending with
          respect to any Subject Company Benefit Plans, other than routine
          benefit claims, qualified domestic relations orders (as defined in
          Section 206(d) of ERISA) and qualified medical child support orders
          (as defined in Section 609 of ERISA) and, to FNF's knowledge, no such
          material Actions or Proceedings are threatened.

          (g) Taxes. (i) Each of FNF, the Subject Companies and the Subject
     Company Subsidiaries has timely filed (taking into account all available
     extensions) all material tax returns and material reports required to be
     filed by it or requests for extensions to file such returns or reports have
     been timely filed, granted and have not expired. All tax returns filed by
     FNF, the Subject Companies and the Subject Company Subsidiaries are
     complete and accurate in all material respects. Each of FNF, the Subject
     Company and each Subject Company Subsidiary has paid (or FNF or such
     Subject Company has paid on such Subject Company Subsidiaries' behalf) all
     taxes shown as due on such returns, and the Subject Company Financial
     Statements and the financial statements contained in the Filed FNF SEC
     Documents, as the case may be, reflect an adequate reserve for all taxes
     payable by FNF, the Subject Companies and the Subject Company Subsidiaries
     for all taxable periods and portions thereof accrued through the date of
     such financial statements.

               (ii) No deficiencies for any taxes have been proposed, asserted
          or assessed against FNF, any Subject Company or any Subject Company
          Subsidiary that are not adequately reserved for, except for
          deficiencies that, individually or in the aggregate, would not have an
          FNF Material Adverse Effect (in the case of FNF) or a Subject Company
          Material Adverse Effect (in the case of such Subject Company and its
          subsidiaries), and no requests for waivers of the time to assess any
          such taxes have been granted or are pending. Except as set forth in
          Section 3.1(g) of the Disclosure Schedule, the Federal and state
          income tax returns of FNF, each Subject Company and each of its
          subsidiaries consolidated in such

                                      -14-

<PAGE>

          returns have been examined by and settled with the United States
          Internal Revenue Service (the "IRS") or the appropriate state taxation
          authorities, as the case may be, or the statute of limitations on
          assessment or collection of any Federal or state income taxes due from
          such Subject Company or any of its subsidiaries has expired, for all
          taxable years of such Subject Company or any of its subsidiaries
          through the taxable year ended December 31, (a) 2001 for Federal
          income tax purposes and (b) 1999 for state income tax purposes.

               (iii) As used in this Agreement, "taxes" shall include all
          federal, state, local and foreign income, franchise, premium,
          property, sales, excise, employment, payroll, withholding and other
          taxes, tariffs or other governmental charges, including interest,
          penalties and other additions.

          (h) No Excess Parachute Payments; Section 162(m) of the Code. (i)
     Except as set forth in Section 3.1(h) of the Disclosure Schedule, none of
     the transactions contemplated by this Agreement shall constitute a
     triggering event under any employment, severance or termination agreement
     or other compensation arrangement or Subject Company Benefit Plan currently
     in effect which (either alone or upon the occurrence of any additional or
     subsequent event) would reasonably be expected to result in any payment,
     acceleration, vesting or increase in benefits to any current or former
     officer, employee or director of FNF or of any Subject Company or any of
     its subsidiaries and which would constitute an "excess parachute payment"
     (as such term is defined in Section 280G(b)(1) of the Code).

               (ii) Except as set forth in Section 3.1(h) of the Disclosure
          Schedule or as would not, individually or in the aggregate, reasonably
          be expected to have an FNF Material Adverse Effect (in the case of
          FNF) or a Subject Company Material Adverse Effect (in the case of such
          Subject Company and its subsidiaries), the disallowance of a deduction
          under Section 162(m) of the Code for employee remuneration will not
          apply to any amount paid or payable by FNF, any Subject Company or any
          Subject Company Subsidiary under any contract, Subject Company Benefit
          Plan, program, arrangement or understanding currently in effect.

          (i) SEC Documents; Subject Company Financial Statements.

               (i) FNF has filed all reports, schedules, forms, statements and
          other documents required to be filed with the SEC since January 1,
          2004 (the "FNF SEC Documents"). As of their respective dates, the FNF
          SEC Documents complied in all material respects with the requirements
          of the Securities Act of 1933, as amended (together with the rules and
          regulations thereunder, the "Securities Act") or the Exchange Act, as
          the case may be, and the rules and regulations of the SEC promulgated
          thereunder applicable to such FNF SEC Documents, and none of the FNF
          SEC Documents as of such dates contained any untrue statement of a
          material fact or omitted to state a material fact required to be
          stated therein or necessary in order to make the statements therein,
          in light of the circumstances under which they were made, not
          misleading. Except to the extent that information contained in any FNF
          SEC Document has been revised or

                                      -15-

<PAGE>

          superseded by a later Filed FNF SEC Document (as defined in Section
          3.1(d)), none of the FNF SEC Documents contains any untrue statement
          of a material fact or omits to state any material fact required to be
          stated therein or necessary in order to make the statements therein,
          in light of the circumstances under which they were made, not
          misleading.

               (ii) FNF has delivered or made available to FNT copies (which
          copies are complete and correct) of (A) the unaudited combined balance
          sheets and related statements of income of Fidelity National Insurance
          Company, Fidelity National Insurance Services, Inc. and National
          Alliance Marketing Group, Inc. and their respective consolidated
          subsidiaries (collectively, the "Specialty Insurance Companies") for
          the 2004 and 2005 fiscal years and as of March 31, 2006 and for the
          three months then ended (the "Specialty Insurance Company Financial
          Statements"), and (B) the unaudited consolidated balance sheet of FNF
          and its subsidiaries other than FNT, FIS and the Specialty Insurance
          Companies (such subsidiaries, the "Non-Specialty Insurance Companies")
          as of April 30, 2006 (the "Non-Specialty Insurance Company Balance
          Sheet" and, collectively with the Specialty Insurance Company
          Financial Statements, the "Subject Company Financial Statements").
          Except as set forth on Section 3.1(i)(ii) of the Disclosure Schedule,
          the Specialty Insurance Company Financial Statements were prepared in
          accordance with GAAP applied on a consistent basis and present fairly
          in all material respects the financial condition at their respective
          dates and results of operations of the Specialty Insurance Companies
          on a combined basis for the periods then ended, subject to the absence
          of cash flow statements and footnotes and, in the case of the interim
          financial statements contained therein, to normal year-end
          adjustments. Except as set forth on Section 3.1(i)(ii) of the
          Disclosure Schedule, the Non-Specialty Insurance Company Balance Sheet
          was prepared in accordance with GAAP applied on a consistent basis and
          presents fairly in all material respects the financial condition at
          April 30, 2006 of FNF and the Non-Specialty Insurance Companies on a
          consolidated basis, subject to the absence of cash flow statements and
          footnotes and to normal year-end adjustments. Except as set forth in
          the Subject Company Financial Statements or in Section 3.1(i)(ii) of
          the Disclosure Schedule, no Subject Company or any of its subsidiaries
          has any material Liabilities that would be required by GAAP to be set
          forth on a consolidated balance sheet of such Subject Company and its
          consolidated subsidiaries, other than Liabilities incurred after
          December 31, 2005 in the ordinary course of business consistent with
          past practice that would not, individually or in the aggregate,
          reasonably be expected to have, with respect to such Subject Company
          and its subsidiaries, a Subject Company Material Adverse Effect.

               (iii) The Annual Statement for the year ended December 31, 2005,
          together with all exhibits and schedules thereto, and any actuarial
          opinion, affirmation or certification filed in connection therewith,
          and any Quarterly Statements for periods ended after January 1, 2006,
          together with all exhibits and schedules thereto, with respect to each
          Subject Company or Subject Company Subsidiary that is a regulated
          insurance company (an "FNF Insurance Company"),

                                      -16-

<PAGE>

          in each case as filed with the applicable Insurance Regulator (as
          hereinafter defined) in such FNF Insurance Company's domiciliary
          state, were prepared in conformity with SAP and present fairly in all
          material respects, to the extent required by and in conformity with
          SAP, the statutory financial condition of such FNF Insurance Company
          at their respective dates and the results of operations, changes in
          capital and surplus and cash flow of such FNF Insurance Company for
          each of the periods then ended. No deficiencies or violations material
          to the financial condition or operations of any FNF Insurance Company
          have been asserted in writing by any Insurance Regulator since January
          1, 2004 which have not been cured or otherwise resolved to the
          satisfaction of such Insurance Regulator. Except as set forth in
          Section 3.1(i)(iii) of the Disclosure Schedule or in such Annual
          Statement for such FNF Insurance Company, no FNF Insurance Company has
          any material Liabilities that would be required by SAP to be set forth
          on a consolidated balance sheet of such FNF Insurance Company and its
          consolidated subsidiaries or in the notes thereto, other than
          Liabilities incurred after December 31, 2005 in the ordinary course of
          business consistent with past practice that would not, individually or
          in the aggregate, reasonably be expected to have a Subject Company
          Material Adverse Effect.

               (iv) The audited unconsolidated balance sheets of FNF and the
          related audited unconsolidated statements of earnings, retained
          earnings and cash flows as of and for the years ended December 31,
          2004 and 2005 (collectively, the "Unconsolidated FNF Financial
          Statements") filed as Schedule II to the consolidated financial
          statements of FNF filed with FNF's annual report on Form 10-K for the
          year ended December 31, 2005, when considered in relation to such
          consolidated FNF financial statements taken as a whole, present
          fairly, in all material respects, the information set forth therein.
          Except as set forth in Section 3.1(i)(iv) of the Disclosure Schedule
          or in the Unconsolidated FNF Financial Statements, FNF has no material
          Liabilities that would be required by GAAP to be set forth on an
          unconsolidated balance sheet of FNF or in the notes thereto, other
          than Liabilities incurred (a) after December 31, 2005 in the ordinary
          course of business consistent with past practice that would not,
          individually or in the aggregate, reasonably be expected to have an
          FNF Material Adverse Effect, or (b) in connection with this Agreement
          and the FIS Merger.

               (v) Except as set forth in the Subject Company Financial
          Statements, the Annual Statement for each FNF Insurance Company and
          the Unconsolidated FNF Financial Statements, FNF, the Subject
          Companies and Subject Company Subsidiaries do not have any Liabilities
          that, individually or in the aggregate, would reasonably be expected
          to have an FNF Material Adverse Effect.

          (j) Information Supplied. None of the information supplied or to be
     supplied by FNF specifically for inclusion or incorporation by reference in
     (i) the Form S-1 will at the time the Form S-1 becomes effective under the
     Securities Act, at the time any amendment or supplement thereto becomes
     effective under the Securities Act or at the Closing contain any untrue
     statement of a material fact or omit to state any material fact required to
     be stated therein or necessary in order to make the statements therein, in
     light

                                      -17-

<PAGE>

     of the circumstances under which they are made, not misleading, or (ii) the
     Information Statement will, at the date it is first mailed to FNT's
     stockholders or at the time of the FNT Stockholders Meeting, contain any
     untrue statement of a material fact or omit to state any material fact
     required to be stated therein or necessary in order to make the statements
     therein, in light of the circumstances under which they are made, not
     misleading. No representation or warranty is made by FNF in this Section
     3.1(j) with respect to information supplied by FNT specifically for
     inclusion or incorporation by reference in the Form S-1 or the Information
     Statement.

          (k) Compliance with Applicable Laws. Each of FNF, the Subject
     Companies and the Subject Company Subsidiaries has in full force and effect
     all Federal, state, local and foreign governmental approvals,
     authorizations, certificates, consents, filings, franchises, licenses,
     notices, permits and rights (collectively, "Permits") necessary for it to
     own, lease or operate its properties and assets and to carry on its
     business as now conducted, and there has occurred no default under any such
     Permit, except for the failure of Permits to be in full force and effect
     and for defaults under Permits which failures or defaults would not,
     individually or in the aggregate, reasonably be expected to have an FNF
     Material Adverse Effect (in the case of FNF) or a Subject Company Material
     Adverse Effect (in the case of such Subject Company and its subsidiaries).
     Except as set forth in Section 3.1(k) of the Disclosure Schedule, each of
     FNF, the Subject Companies and the Subject Company Subsidiaries is in
     compliance with all applicable statutes, laws, ordinances, rules,
     regulations and orders of any Governmental Entity to which they are
     subject, except for noncompliance that would not, individually or in the
     aggregate, reasonably be expected to have an FNF Material Adverse Effect
     (in the case of FNF) or a Subject Company Material Adverse Effect (in the
     case of such Subject Company and its subsidiaries). Except as set forth in
     Section 3.1(k) of the Disclosure Schedule and except for routine
     examinations by state Governmental Entities charged with supervision of
     insurance companies ("Insurance Regulators"), there is no Action or
     Proceeding by any Governmental Entity pending or, to the knowledge of FNF,
     threatened against or with respect to FNF or any Subject Company or Subject
     Company Subsidiary or the Transferred Business, other than, in each case,
     those the outcome of which would not, individually or in the aggregate,
     reasonably be expected to have an FNF Material Adverse Effect (in the case
     of FNF) or a Subject Company Material Adverse Effect (in the case of such
     Subject Company and its subsidiaries). Except as set forth in Section
     3.1(k) of the Disclosure Schedule, none of FNF, the Subject Companies and
     the Subject Company Subsidiaries is a party to any agreement, commitment or
     understanding, written or oral, with any Insurance Regulator, except for
     routine agreements, commitments and understandings with such Insurance
     Regulators which would not, individually or in the aggregate, reasonably be
     expected to be material to the business of the FNF Insurance Companies
     taken as a whole.

          (l) Litigation. Except as set forth in Section 3.1(l) of the
     Disclosure Schedule or for matters that, as of the date of this Agreement,
     are subject to indemnification by FNT in favor of FNF, there is no material
     Action or Proceeding pending or, to the knowledge of FNF, threatened
     against or affecting FNF, any Subject Company, any Subject Company
     Subsidiary or the Transferred Business or seeking to prevent the
     consummation of any of the transactions contemplated by this Agreement, nor
     is there

                                      -18-

<PAGE>

     any material judgment, decree, injunction or order of any Governmental
     Entity outstanding against FNF, any of the Subject Companies, any of the
     Subject Company Subsidiaries or any Other Assets. For purposes of this
     Section 3.1(l), the term "material" shall have the meaning specified in
     Section 3.1(l) of the Disclosure Schedule.

          (m) Brokers. No broker, investment banker, financial advisor or other
     Person, other than Bear, Stearns & Co. Inc., the fees and expenses of which
     will be paid by FNF, is entitled to any broker's, finder's, financial
     advisor's or other similar fee or commission in connection with the Asset
     Contribution, the Spin-off, the FIS Merger, or the other transactions
     contemplated by this Agreement, based upon arrangements made by or on
     behalf of FNF.

          (n) Opinion of Financial Advisor. FNF has received the opinion of its
     financial advisor, Bear, Stearns & Co. Inc., to the effect that, as of the
     date of this Agreement, the consideration to be received by FNF and its
     stockholders pursuant to this Agreement and the FIS Merger Agreement, taken
     together, is fair, from a financial point of view, to the stockholders of
     FNF.

          (o) Other Assets. FNF has good and marketable title to or a valid
     leasehold or license interest in all of the Other Assets, free and clear of
     all Liens other than Permitted Liens. Assuming FNT has the requisite power
     and authority to be the lawful owner, lessee or licensee of the Other
     Assets, upon the consummation of the transactions contemplated by this
     Agreement, good and marketable title to or a valid leasehold or license
     interest in the Other Assets will pass to FNT, free and clear of all Liens
     other than Permitted Liens.

          (p) No Guaranty of FIS Obligations. The Subject Companies and the
     Subject Company Subsidiaries have not guaranteed any material obligations
     of FIS, any FIS Subsidiary or National Title Insurance of New York, Inc.

          (q) Environmental Matters. Except as set forth in Section 3.1(q) of
     the Disclosure Schedule:

               (i) FNF, the Subject Companies and Subject Company Subsidiaries
          are in compliance with all applicable Environmental Laws, except where
          failure to be in compliance would not, individually or in the
          aggregate, reasonably be expected to have an FNF Material Adverse
          Effect (in the case of FNF) or a Subject Company Material Adverse
          Effect (in the case of such Subject Company and its subsidiaries);

               (ii) Since the date that is three years prior to the date of this
          Agreement or, in the case of any Subject Company or Subject Company
          Subsidiary in which FNF acquired its interest at a later date, such
          later date, none of FNF, the Subject Companies or the Subject Company
          Subsidiaries has received any material Environmental Claim concerning
          compliance with, or liability under, any Environmental Law with
          respect to any real property now or formerly owned,

                                      -19-

<PAGE>

          leased or operated by FNF, the Subject Companies and Subject Company
          Subsidiaries;

               (iii) FNF, the Subject Companies and Subject Company Subsidiaries
          have all material Permits required under applicable Environmental Laws
          for the conduct of their respective businesses, as presently
          conducted, and FNF, the Subject Companies and Subject Company
          Subsidiaries are in material compliance with all such Permits;

               (iv) None of FNF, the Subject Companies and Subject Company
          Subsidiaries is party to, or subject to the terms of, any material
          order that imposes any future Liability under any Environmental Law in
          connection with its respective businesses; and

               (v) To FNF's knowledge after due inquiry, there have been no
          releases of Hazardous Materials at, on, under or from any real
          property now or formerly owned, leased or operated by FNF, the Subject
          Companies and Subject Company Subsidiaries that would be reasonably
          likely to result in material Liabilities or obligations under
          Environmental Law.

          (r) FIS Merger Agreement. FNF has delivered or made available to FNT a
     complete and correct copy of the FIS Merger Agreement.

          SECTION 3.2. Representations and Warranties of FNT. FNT represents and
warrants to FNF as follows:

          (a) Organization, Standing and Corporate Power. Each of FNT and each
     FNT Subsidiary (as hereinafter defined) is a corporation, limited liability
     company or other legal entity duly organized, validly existing and in good
     standing (in such jurisdictions where such concept is applicable) under the
     laws of the jurisdiction of its organization and has the requisite
     corporate, limited liability company or other entity power and authority to
     carry on its business as now being conducted. Each of FNT and each FNT
     Subsidiary is duly qualified to do business and is in good standing (in
     such jurisdictions where such concept is applicable) in each jurisdiction
     in which the nature of its business or the ownership or leasing of its
     properties makes such qualification necessary, other than in such
     jurisdictions where the failure to be so qualified (individually or in the
     aggregate) would not have an FNT Material Adverse Effect (as hereinafter
     defined). For purposes of this Agreement, (i) an "FNT Subsidiary" means a
     subsidiary of FNT, and (ii) an "FNT Material Adverse Effect" means (x) any
     event, circumstance or change that, individually or in the aggregate, is or
     would reasonably be likely to be materially adverse to the assets,
     Liabilities, business, condition (financial or otherwise) or results of
     operations of FNT and the FNT Subsidiaries taken as a whole, other than any
     such event, circumstance or change to the extent resulting from (A) changes
     in general economic conditions affecting the United States occurring after
     the date hereof, (B) general changes or developments in the industry in
     which FNT and the FNT Subsidiaries operate occurring after the date hereof,
     (C) changes in laws or regulations occurring after the date hereof or (D)
     the announcement of this Agreement and the transactions contemplated

                                      -20-

<PAGE>

     hereby, including any termination of, reduction in or similar negative
     impact on the relationships, contractual or otherwise, with any customers,
     distributors, partners or employees of FNT and the FNT Subsidiaries to the
     extent due to the announcement of this Agreement or the identity of the
     parties hereto, unless, in the case of the foregoing clause (A) or (B),
     such changes referred to therein have a materially disproportionate effect
     on FNT and the FNT Subsidiaries taken as a whole relative to other
     participants in the industry in which FNT and the FNT Subsidiaries operate,
     or (y) any material adverse effect on the ability of FNT to perform its
     obligations hereunder or to consummate the transactions contemplated hereby
     on a timely basis. True and complete copies of the Organizational Documents
     of FNT and each FNT Subsidiary as in effect on the date hereof have been
     heretofore made available to FNF.

          (b) Capital Structure.

               (i) The authorized capital stock of FNT consists of (x)
          300,000,000 shares of FNT Class A Common Stock and 300,000,000 shares
          of FNT Class B Common Stock, and (y) 50,000,000 shares of preferred
          stock, par value $0.0001 per share ("FNT Preferred Stock"). 31,147,357
          shares of FNT Class A Common Stock, 143,176,041 shares of FNT Class B
          Common Stock and no shares of FNT Preferred Stock are issued and
          outstanding. 6,695shares of FNT Class A Common Stock and no shares of
          FNT Class B Common Stock are held by FNT Subsidiaries or by FNT in its
          treasury. 3,024,000 shares of FNT Class A Common Stock are reserved
          for issuance pursuant to outstanding options to purchase shares of FNT
          Common Stock granted under the FNT Stock Plan. Except as set forth
          above, no shares of capital stock or other equity securities of FNT
          are issued, reserved for issuance or outstanding. All outstanding
          shares of capital stock of FNT are, and the FNT Shares and any shares
          issued upon the exercise of options under the FNT Stock Plan will be,
          when issued, duly authorized, validly issued, fully paid and
          nonassessable and not subject to preemptive rights. No bonds,
          debentures, notes or other indebtedness of FNT having the right to
          vote (or convertible into, or exchangeable for, securities having the
          right to vote) on any matters on which the stockholders of FNT may
          vote are issued or outstanding. Except as set forth above, there are
          not any securities, preemptive rights, options, warrants, rights,
          commitments or agreements of any kind to which FNT is a party or by
          which any of them is bound obligating any of them to issue, sell or
          deliver, or repurchase, redeem or otherwise acquire, shares of capital
          stock or other equity or voting securities of FNT, or obligating FNT
          to issue, sell, deliver, grant, extend or enter into any such
          security, option, warrant, right, commitment or agreement. Except as
          set forth in Section 3.2(b)(i) of the Disclosure Schedule, FNT is not
          a party to or bound by any agreement, proxy, voting trust or other
          arrangement restricting the transfer of FNT Common Stock or affecting
          the voting of any shares of capital stock of FNT.

               (ii) Section 3.2(b)(ii) of the Disclosure Schedule lists each FNT
          Subsidiary. Except as set forth in Section 3.2(b)(ii) of the
          Disclosure Schedule, all of the outstanding shares of capital stock or
          other equity securities of each FNT Subsidiary have been validly
          issued and are fully paid and non-assessable (in

                                      -21-

<PAGE>

          the case of any FNT Subsidiary that is not organized in the United
          States, to the extent such concepts are applicable) and are owned by
          FNT, free and clear of all Liens. No bonds, debentures, notes or other
          indebtedness of any FNT Subsidiary having the right to vote (or
          convertible into, or exchangeable for, securities having the right to
          vote) on any matters on which the stockholders of any FNT Subsidiary
          may vote are issued or outstanding. Except as set forth in Section
          3.2(b)(ii) of the Disclosure Schedule, there are no securities,
          preemptive rights, options, warrants, rights, commitments or
          agreements of any kind to which FNT or any FNT Subsidiary is a party
          or by which any of them is bound obligating any of them to issue, sell
          or deliver, or repurchase, redeem or otherwise acquire, shares of
          capital stock or other equity or voting securities of any FNT
          Subsidiary, or obligating any of them to issue, sell, deliver, grant,
          extend or enter into any such security, option, warrant, right,
          commitment or agreement. Except as set forth in Section 3.2(b)(ii) of
          the Disclosure Schedule, neither FNT nor any FNT Subsidiary is a party
          to or bound by any agreement, proxy, voting trust or other arrangement
          restricting the transfer or affecting the voting of any shares of
          capital stock of any FNT Subsidiary. Except for the capital stock or
          other equity securities of such subsidiaries and the other ownership
          interests listed in Section 3.2(b)(ii) of the Disclosure Schedule, FNT
          does not own, directly or indirectly, any capital stock or other
          ownership interest in any Person other than interests held for
          investment purposes that do not exceed 10% of the voting securities of
          any such single Person. Except as set forth in Section 3.2(b)(ii) of
          the Disclosure Schedule or for investment portfolio activities of any
          FNT Insurance Company, none of FNT or the FNT Subsidiaries is subject
          to any obligation or requirement and has not entered into any
          agreement to make any investment (in the form of a capital
          contribution, loan or otherwise) in any Person.

          (c) Authority; Noncontravention. FNT has all requisite corporate power
     and authority to enter into this Agreement and, subject to the approval of
     its stockholders as set forth in Section 5.4 (the "FNT Stockholder
     Approval"), FNT and each of the FNT Subsidiaries have all requisite
     corporate power and authority to consummate the transactions contemplated
     by this Agreement. The execution and delivery of this Agreement by FNT and
     the consummation by FNT of the transactions contemplated by this Agreement
     have been duly authorized by all necessary corporate action on the part of
     FNT, subject to the FNT Stockholder Approval. This Agreement has been duly
     executed and delivered by and, assuming this Agreement constitutes the
     valid and binding agreement of FNF, constitutes a valid and binding
     obligation of FNT, enforceable against FNT in accordance with its terms,
     subject to the effect of any applicable bankruptcy, insolvency (including
     all laws relating to fraudulent transfers), reorganization, moratorium or
     similar laws affecting creditors' rights generally and subject to the
     effect of general principles of equity. Except as set forth in Section
     3.2(c) of the Disclosure Schedule, the execution and delivery of this
     Agreement do not, and the consummation of the transactions contemplated by
     this Agreement and compliance with the provisions of this Agreement will
     not, (x) conflict with any of the provisions of the Organizational
     Documents of FNT or of any FNT Subsidiary, (y) subject to the matters
     referred to in the next sentence, conflict with, result in a breach of or
     default (with or without notice or lapse of time, or both) under, give rise
     to a right of termination, cancellation or

                                      -22-

<PAGE>

     acceleration of any obligation or loss of a material benefit under, require
     the consent of any Person under, or result in the creation of any Lien on
     any property or asset of FNT or any FNT Subsidiary under, any indenture or
     other agreement, permit, franchise, license or other instrument or
     undertaking to which FNT or any of the FNT Subsidiaries is a party or by
     which FNT or any of the FNT Subsidiaries or any of their assets is bound or
     affected, or (z) subject to the matters referred to in the next sentence,
     contravene any statute, law, ordinance, rule, regulation, order, judgment,
     injunction, decree, determination or award applicable to FNT or any of the
     FNT Subsidiaries or any of their respective properties or assets, which, in
     the case of clauses (y) and (z) above, individually or in the aggregate,
     would reasonably be expected to have an FNT Material Adverse Effect. No
     consent, approval or authorization of, or declaration or filing with, or
     notice to, any Governmental Entity is required by or with respect to FNT or
     any of the FNT Subsidiaries in connection with the execution and delivery
     of this Agreement by FNT or the consummation by FNT or any FNT Subsidiary,
     as the case may be, of any of the transactions contemplated by this
     Agreement, except for (i) the approvals, filings or notices required under
     the insurance laws of the jurisdictions set forth in Section 3.2(c) of the
     Disclosure Schedule, (ii) the filing with the SEC of such reports and other
     filings under the Exchange Act as may be required in connection with this
     Agreement and the transactions contemplated by this Agreement, (iii) the
     filing with the SEC of the Form S-1, the Form S-8 and the Information
     Statement, (iv) such other consents, approvals, authorizations, filings or
     notices as are set forth in Section 3.2(c) of the Disclosure Schedule and
     (v) such other consents, approvals, authorizations, declarations, filings
     or notices the failure to obtain or make which, in the aggregate, would not
     have an FNT Material Adverse Effect.

          (d) Absence of Certain Changes or Events. Except as set forth in the
     FNT SEC Documents filed and publicly available prior to the date of this
     Agreement (the "Filed FNT SEC Documents") or in Section 3.2(d) of the
     Disclosure Schedule or in connection with the transactions contemplated
     hereby, since December 31, 2005, each of FNT and the FNT Subsidiaries has
     conducted its business only in the ordinary course consistent with past
     practice, and there has not been (i) any change, circumstance, effect,
     event, development or occurrence that, individually or in the aggregate,
     has had or would reasonably be expected to have an FNT Material Adverse
     Effect, (ii) any declaration, setting aside or payment of any dividend or
     other distribution (whether in cash, stock or property) with respect to any
     of FNT's outstanding capital stock (other than ordinary quarterly cash
     dividends), (iii) any split, combination or reclassification of any of its
     outstanding capital stock or any issuance or the authorization of any
     issuance of any other securities in respect of, in lieu of or in
     substitution for shares of its outstanding capital stock, (iv) (x) any
     granting by FNT or any of the FNT Subsidiaries to any Executive Officer of
     FNT or such FNT Subsidiaries of any increase in compensation, except in the
     ordinary course of business consistent with prior practice or as was
     required under employment agreements in effect as of December 31, 2005, (y)
     any granting by FNT or any of the FNT Subsidiaries to any such Executive
     Officer of any increase in severance or termination pay, except as was
     required under any employment, severance or termination agreements in
     effect as of December 31, 2005 or (z) any entry by FNT or any FNT
     Subsidiary into any employment, severance or termination agreement with any
     such Executive Officer or other employee or (v) any change in accounting
     methods, principles

                                      -23-

<PAGE>

     or practices by FNT or any of the FNT Subsidiaries materially affecting its
     assets, liabilities or business, including any change with respect to the
     establishment of reserves for unearned premiums, losses and loss adjustment
     expenses, except insofar as may have been required by a change in GAAP or
     SAP.

          (e) Absence of Changes in FNT Benefit Plans. Except as set forth in
     the Filed FNT SEC Documents or in Section 3.2(e) of the Disclosure
     Schedule, since December 31, 2005, there has not been any adoption or
     material amendment by FNT or any FNT Subsidiary of any collective
     bargaining agreement or any FNT Benefit Plan (as defined in Section
     3.2(f)).

          (f) FNT Benefit Plans. (i) Each Pension Plan, Welfare Plan, and each
     other plan, arrangement or policy (written or oral) relating to
     compensation, deferred compensation, severance, fringe benefits or other
     employee benefits, in each case maintained or contributed to, or required
     to be maintained or contributed to, by FNT or any FNT Subsidiary for the
     benefit of any present or former officer, employee, agent, director or
     independent contractor of FNT or any FNT Subsidiary (all the foregoing
     being herein called "FNT Benefit Plans") has been established, funded,
     maintained and administered in all material respects in accordance with its
     terms and in compliance in all material respects with the applicable
     provisions of ERISA, the Code, all other applicable laws and all applicable
     collective bargaining agreements.

               (ii) None of FNT, the FNT Subsidiaries or any other Person or
          entity that together with FNT is treated as a single employer under
          Section 414(b), (c), (m) or (o) of the Code (each a "FNT Commonly
          Controlled Entity") has incurred any material Liability under Title IV
          of ERISA (other than for the payment of benefits or Pension Benefit
          Guaranty Corporation insurance premiums, in either case in the
          ordinary course).

               (iii) No FNT Commonly Controlled Entity is obligated to
          contribute to any "multiemployer plan" (as defined in Section
          4001(a)(3) of ERISA) or has withdrawn from or incurred any contractual
          Liability to any multiemployer plan resulting or which would
          reasonably be expected to result in any material "withdrawal
          liability" (within the meaning of Section 4201 of ERISA) that has not
          been fully paid.

               (iv) There are no material Actions or Proceedings pending with
          respect to any FNT Benefit Plans, other than routine benefit claims,
          qualified domestic relations orders (as defined in Section 206(d) of
          ERISA) and qualified medical child support orders (as defined in
          Section 609 of ERISA) and, to FNT's knowledge, no such material
          Actions or Proceedings are threatened.

          (g) Taxes. (i) Each of FNT and the FNT Subsidiaries has timely filed
     (taking into account all available extensions) all material tax returns and
     material reports required to be filed by it or requests for extensions to
     file such returns or reports have been timely filed, granted and have not
     expired. All tax returns filed by FNT and the FNT Subsidiaries are complete
     and accurate in all material respects. FNT and each of the FNT

                                      -24-

<PAGE>

     Subsidiaries have paid (or FNT has paid on the FNT Subsidiaries' behalf)
     all taxes shown as due on such returns, and the most recent audited
     consolidated and combined financial statements contained in the Filed FNT
     SEC Documents reflect an adequate reserve for all taxes payable by FNT and
     the FNT Subsidiaries for all taxable periods and portions thereof accrued
     through the date of such financial statements.

               (ii) No deficiencies for any taxes have been proposed, asserted
          or assessed against FNT or any FNT Subsidiary that are not adequately
          reserved for, except for deficiencies that, individually or in the
          aggregate, would not have an FNT Material Adverse Effect, and no
          requests for waivers of the time to assess any such taxes have been
          granted or are pending. The Federal and state income tax returns of
          FNT and each FNT Subsidiary consolidated in such returns have been
          examined by and settled with the United States Internal Revenue
          Service or the appropriate state taxation authorities, as the case may
          be, or the statute of limitations on assessment or collection of any
          Federal or state income taxes due from FNT or any of its subsidiaries
          has expired, for all taxable years of FNT or any of the FNT
          Subsidiaries through the taxable year ended December 31, (a) 2001, for
          Federal income tax purposes and December 31, (b) 1999, for state
          income tax purposes.

          (h) No Excess Parachute Payments; Section 162(m) of the Code. (i)
     Except as set forth in Section 3.2(h) of the Disclosure Schedule, none of
     the transactions contemplated by this Agreement shall constitute a
     triggering event under any employment, severance or termination agreement
     or other compensation arrangement or FNT Benefit Plan currently in effect
     which (either alone or upon the occurrence of any additional or subsequent
     event) would reasonably be expected to result in any payment, acceleration,
     vesting or increase in benefits to any current or former officer, employee
     or director of FNT or any of its subsidiaries and which would constitute an
     "excess parachute payment" (as such term is defined in Section 280G(b)(1)
     of the Code).

               (ii) Except as set forth in Section 3.2(h) of the Disclosure
          Schedule or as would not, individually or in the aggregate, reasonably
          be expected to have an FNT Material Adverse Effect, the disallowance
          of a deduction under Section 162(m) of the Code for employee
          remuneration will not apply to any amount paid or payable by FNT or
          any FNT Subsidiary under any contract, FNT Benefit Plan, program,
          arrangement or understanding currently in effect.

          (i) SEC Documents; Financial Statements.

               (i) FNT has filed all reports, schedules, forms, statements and
          other documents required to be filed with the SEC since October 1,
          2005 (the "FNT SEC Documents"). As of their respective dates, the FNT
          SEC Documents complied in all material respects with the requirements
          of the Securities Act or the Exchange Act, as the case may be, and the
          rules and regulations of the SEC promulgated thereunder applicable to
          such FNT SEC Documents, and none of the FNT SEC Documents as of such
          dates contained any untrue statement of a material fact or omitted to
          state a material fact required to be stated therein or

                                      -25-

<PAGE>

          necessary in order to make the statements therein, in light of the
          circumstances under which they were made, not misleading. Except to
          the extent that information contained in any FNT SEC Document has been
          revised or superseded by a later Filed FNT SEC Document (as defined in
          Section 3.2(d)), none of the FNT SEC Documents contains any untrue
          statement of a material fact or omits to state any material fact
          required to be stated therein or necessary in order to make the
          statements therein, in light of the circumstances under which they
          were made, not misleading.

               (ii) The consolidated and combined financial statements of FNT
          included in the FNT SEC Documents comply as to form in all material
          respects with applicable accounting requirements and the published
          rules and regulations of the SEC with respect thereto, have been
          prepared in accordance with GAAP (except, in the case of unaudited
          consolidated and combined quarterly statements, as permitted by Form
          10-Q of the SEC) applied on a consistent basis during the periods
          involved (except as may be indicated in the notes thereto) and present
          fairly, in all material respects, the consolidated and combined
          financial position of FNT and its subsidiaries as of the dates thereof
          and the consolidated and combined results of their operations and
          their cash flows for the periods then ended (subject, in the case of
          unaudited quarterly statements, to normal year-end adjustments).
          Except as set forth in the Filed FNT SEC Documents or in Section
          3.2(i)(ii) of the Disclosure Schedule, neither FNT nor any FNT
          Subsidiary has any material Liabilities that would be required by GAAP
          to be set forth on a consolidated balance sheet of FNT and its
          consolidated subsidiaries or in the notes thereto, other than
          Liabilities incurred (a) after December 31, 2005 in the ordinary
          course of business consistent with past practice that would not,
          individually or in the aggregate, reasonably be expected to have an
          FNT Material Adverse Effect or (b) in connection with this Agreement
          and the FIS Merger.

               (iii) The Annual Statement for the year ended December 31, 2005,
          together with all exhibits and schedules thereto, and any actuarial
          opinion, affirmation or certification filed in connection therewith,
          and any Quarterly Statements for periods ended after January 1, 2006,
          together with all exhibits and schedules thereto, with respect to each
          FNT Subsidiary that is a regulated insurance company (an "FNT
          Insurance Company"), in each case as filed with the applicable
          Insurance Regulator, were prepared in conformity with SAP and present
          fairly in all material respects, to the extent required by and in
          conformity with SAP, the statutory financial condition of such FNT
          Insurance Company at their respective dates and the results of
          operations, changes in capital and surplus and cash flow of such FNT
          Insurance Company for each of the periods then ended. No deficiencies
          or violations material to the financial condition or operations of any
          FNT Insurance Company have been asserted in writing by any Insurance
          Regulator since January 1, 2004 which have not been cured or otherwise
          resolved to the satisfaction of such Insurance Regulator. Except as
          set forth in such Annual Statement for such FNT Insurance Company, no
          FNT Insurance Company has any material Liabilities that would be
          required by SAP to be set forth on a consolidated balance sheet of
          such FNT Insurance Company and its

                                      -26-

<PAGE>

          consolidated subsidiaries or in the notes thereto, other than
          Liabilities incurred after December 31, 2005 in the ordinary course of
          business consistent with past practice that would not, individually or
          in the aggregate, reasonably be expected to have an FNT Material
          Adverse Effect.

          (j) Information Supplied. The Form S-1 and the Information Statement
     will comply as to form in all material respects with the respective
     requirements of the Securities Act and the Exchange Act and the respective
     rules and regulations promulgated thereunder. None of the information
     supplied or to be supplied by FNT specifically for inclusion or
     incorporation by reference in (i) the Form S-1 will, at the time the Form
     S-1 becomes effective under the Securities Act, at the time any amendment
     or supplement thereto becomes effective under the Securities Act, at the
     time of the meeting of the FNF stockholders to be held for the purpose of
     approving the FIS Merger or at the Closing contain any untrue statement of
     a material fact or omit to state any material fact required to be stated
     therein or necessary in order to make the statements therein, in light of
     the circumstances under which they are made, not misleading, or (ii) the
     Information Statement will, at the date it is first mailed to FNT's
     stockholders or at the time of the FNT Stockholders Meeting, contain any
     untrue statement of a material fact or omit to state any material fact
     required to be stated therein or necessary in order to make the statements
     therein, in light of the circumstances under which they are made, not
     misleading. Notwithstanding the foregoing, no representation or warranty is
     made by FNT in this Section 3.2(j) with respect to information supplied by
     FNF specifically for inclusion or incorporation by reference in the Form
     S-1 or the Information Statement.

          (k) Compliance with Applicable Laws. Each of FNT and the FNT
     Subsidiaries has in full force and effect all Permits necessary for it to
     own, lease or operate its properties and assets and to carry on its
     business as now conducted, and there has occurred no default under any such
     Permit, except for the failure of Permits to be in full force and effect
     and for defaults under Permits which failures or defaults would not,
     individually or in the aggregate, reasonably be expected to have an FNT
     Material Adverse Effect. Except as set forth in the Filed FNT SEC
     Documents, FNT and the FNT Subsidiaries are in compliance with all
     applicable statutes, laws, ordinances, rules, regulations and orders of any
     Governmental Entity to which they are subject, except for noncompliance
     that would not, individually or in the aggregate, reasonably be expected to
     have an FNT Material Adverse Effect. Except as set forth in the Filed FNT
     SEC Documents and except for routine examinations by any Insurance
     Regulator, there is no Action or Proceeding by any Governmental Entity
     pending or, to the knowledge of FNT, threatened against or with respect to
     FNT or any FNT Subsidiary, other than, in each case, those the outcome of
     which would not, individually or in the aggregate, reasonably be expected
     to have an FNT Material Adverse Effect. Except as set forth in Section
     3.2(k) of the Disclosure Schedule, neither FNT nor any FNT Subsidiary is a
     party to any agreement, commitment or understanding, written or oral, with
     any Insurance Regulator, except for routine agreements, commitments and
     understandings with such Insurance Regulators which would not, individually
     or in the aggregate, reasonably be expected to have an FNT Material Adverse
     Effect.

                                      -27-
<PAGE>

          (l) Litigation. Except as set forth in Section 3.2(l) of the
     Disclosure Schedule, there is no material Action or Proceeding pending or,
     to the knowledge of FNT, threatened against or affecting FNT or any of the
     FNT Subsidiaries or seeking to prevent the consummation of any of the
     transactions contemplated by this Agreement, nor is there any material
     judgment, decree, injunction or order of any Governmental Entity
     outstanding against FNT or any of the FNT Subsidiaries. For purposes of
     this Section 3.2(l), the term "material" shall have the meaning specified
     in Section 3.2(l) of the Disclosure Schedule.

          (m) Brokers. No broker, investment banker, financial advisor or other
     Person, other than Banc of America Securities LLC, the fees and expenses of
     which will be paid by FNT, is entitled to any broker's, finder's, financial
     advisor's or other similar fee or commission in connection with the Asset
     Contribution, the Spin-off, or the other transactions contemplated by this
     Agreement, based upon arrangements made by or on behalf of FNT.

          (n) Opinion of Financial Advisor. The special committee of the board
     of directors of FNT has received the opinion of its financial advisor, Banc
     of America Securities LLC, to the effect that, as of the date of such
     opinion, the aggregate number of FNT Shares to be issued by FNT to FNF
     pursuant to this Agreement in exchange for the Subject Securities and the
     Other Assets is fair, from a financial point of view, to FNT.

          (o) Voting Requirements. The affirmative vote of the holders of at
     least a majority of the outstanding shares of FNT Common Stock entitled to
     vote at the FNT Stockholders Meeting, voting as a single class, is the only
     vote of the holders of any class or series of FNT's capital stock necessary
     to approve this Agreement and the transactions contemplated by this
     Agreement.

                                   ARTICLE IV

                                    COVENANTS

          SECTION 4.1. Conduct of Business.

          (a) Conduct of Business by the Subject Companies. Except as
     specifically contemplated by this Agreement or as required by applicable
     law or as set forth on Section 4.1(a) of the Disclosure Schedule, during
     the period from the date of this Agreement to the Closing, FNF shall cause
     each of the Subject Companies and the Subject Company Subsidiaries to carry
     on its business only in the ordinary and usual course of business
     consistent with past practice and, to the extent consistent therewith, use
     all reasonable efforts to preserve intact its current business
     organization, keep available the services of its current officers and
     employees and preserve its relationships with any Governmental Entities,
     customers, suppliers, distributors, creditors, lessors, agents, insureds,
     reinsureds and others having business dealings with it to the end that its
     goodwill and ongoing businesses shall be unimpaired at the Closing. Without
     limiting the generality of the foregoing, during the period from the date
     of this Agreement to the

                                      -28-

<PAGE>

     Closing, except as set forth on Section 4.1(a) of the Disclosure Schedule
     or as otherwise expressly required by or provided for in this Agreement,
     FNF shall not permit any Subject Company or Subject Company Subsidiary to,
     without the prior consent of FNT, which shall not be unreasonably withheld
     or delayed:

               (i) (x) declare, set aside or pay any dividends on, or make any
          other distributions (whether in cash, stock or property) in respect
          of, any of such Subject Company's or Subject Company Subsidiary's
          outstanding capital stock or other equity securities, (y) split,
          combine or reclassify any of its outstanding capital stock or other
          equity securities or issue or authorize the issuance of any other
          securities in respect of, in lieu of or in substitution for shares of
          its outstanding capital stock or other equity securities, or (z)
          purchase, redeem or otherwise acquire any shares of outstanding
          capital stock or other equity securities or any rights, warrants or
          options to acquire any such shares or other equity securities;

               (ii) issue, sell, grant, pledge or otherwise encumber any shares
          of its capital stock or other equity securities, any other voting
          securities or any securities convertible into, or any rights, warrants
          or options to acquire, any such shares or other equity securities,
          voting securities or convertible securities other than upon the
          exercise of options or warrants issued by it and outstanding on the
          date of this Agreement;

               (iii) acquire, in any transaction or a series of related
          transactions, by merger or otherwise, (x) any business or any
          corporation, partnership, joint venture, association or other business
          organization or division thereof or substantially all of the assets of
          any of the foregoing, or (y) any assets that are material,
          individually or in the aggregate, to the Subject Companies and the
          Subject Company Subsidiaries taken as a whole, except purchases of
          investment assets in the ordinary course of business consistent with
          past practice, except in each case for such transactions among Subject
          Companies and any Subject Company Subsidiaries;

               (iv) sell, lease, license, mortgage or otherwise encumber or
          subject to any Lien or otherwise dispose of any of its properties or
          assets that are material to any Subject Company and its subsidiaries
          taken as a whole, except in the ordinary course of business consistent
          with past practice;

               (v) amend or propose any change to its Organizational Documents;

               (vi) (x) incur any indebtedness for borrowed money or guarantee
          or otherwise become responsible for any such indebtedness of another
          Person, other than indebtedness in an amount less than $5,000,000
          individually or $15,000,000 in the aggregate, other than in the
          ordinary course of business consistent with past practice and other
          than indebtedness owing to or guarantees of indebtedness owing to such
          Subject Company or any direct or indirect wholly-owned subsidiary of
          such Subject Company (it being understood that such Subject

                                      -29-

<PAGE>

          Company's guarantee of the performance of a Subject Company Subsidiary
          to a third party customer or vendor shall not constitute an incurrence
          of indebtedness under this subsection), or (y) make any material
          loans, advances or capital contributions to, or investments in, any
          other Person, other than to such Subject Company or to any direct or
          indirect wholly-owned subsidiary of such Subject Company and routine,
          immaterial advances to employees and other than purchases of
          investment assets in the ordinary course of business consistent with
          past practice;

               (vii) except in accordance with such Subject Company's or Subject
          Company Subsidiary's budget as of the date hereof, make or agree to
          make any new capital expenditure or expenditures which, individually,
          involves payments of in excess of $5,000,000 or, in the aggregate,
          involve payments of in excess of $15,000,000;

               (viii) make any tax election or settle or compromise any income
          tax Liability that, individually or in the aggregate, would reasonably
          be expected to have an FNF Material Adverse Effect;

               (ix) pay, discharge, settle or satisfy any claims, liabilities or
          obligations (absolute, accrued, asserted or unasserted, contingent or
          otherwise), other than the payment, discharge or satisfaction, in the
          ordinary course of business consistent with past practice or in
          accordance with their terms, of liabilities reflected or reserved
          against in, or contemplated by, the Subject Company Financial
          Statements as at and for the year ended December 31, 2005 or incurred
          since December 31, 2005 in the ordinary course of business consistent
          with past practice, or in amounts not in excess of $5,000,000 in each
          case;

               (x) settle or compromise any action, suit or other litigation or
          claim arising out of the transactions contemplated hereby;

               (xi) make any change in accounting and, in the case of any FNF
          Insurance Company, underwriting or actuarial methods, principles or
          practices used by such Subject Company or Subject Company Subsidiary
          materially affecting its assets, liabilities or business, including
          any change with respect to establishment of reserves for unearned
          premiums, losses and loss adjustment expenses, except insofar as may
          be required by law or by a change in applicable accounting principles;

               (xii) other than in the ordinary course of business consistent
          with past practice, cancel, modify or waive any material debts or
          claims held by it or waive any material rights under any material
          contract to which such Subject Company or Subject Company Subsidiary
          is a party; or

               (xiii) authorize any of, or commit or agree to take any of, the
          foregoing actions.

                                      -30-

<PAGE>

          (b) Conduct of Business by FNF. Except as specifically contemplated by
     this Agreement or as required by applicable law or as set forth on Section
     4.1(b) of the Disclosure Schedule, during the period from the date of this
     Agreement to the Closing, FNF shall carry on its business only in the
     ordinary and usual course of business consistent with past practice.
     Without limiting the generality of the foregoing, during the period from
     the date of this Agreement to the Closing, except as set forth on Section
     4.1(b) of the Disclosure Schedule or as otherwise expressly required by or
     provided for in this Agreement, FNF shall not, without the prior consent of
     FNT, which shall not be unreasonably withheld or delayed:

               (i) (x) declare, set aside or pay any dividends on, or make any
          other distributions (whether in cash, stock or property) in respect
          of, any of its outstanding capital stock or other equity securities,
          other than ordinary quarterly cash dividends consistent with past
          practice, or (y) except as required by the terms of any agreement,
          arrangement or plan in effect as of the date hereof, purchase, redeem
          or otherwise acquire any shares of outstanding capital stock or other
          equity securities or any rights, warrants or options to acquire any
          such shares or other equity securities;

               (ii) acquire, in any transaction or a series of related
          transactions, by merger or otherwise, (x) any business or any
          corporation, partnership, joint venture, association or other business
          organization or division thereof or substantially all of the assets of
          any of the foregoing, or (y) any assets the acquisition of which would
          result in a material change in the Other Assets;

               (iii) make any tax election or settle or compromise any income
          tax Liability that, individually or in the aggregate, would reasonably
          be expected to have an FNF Material Adverse Effect;

               (iv) pay, discharge, settle or satisfy any claims, liabilities or
          obligations (absolute, accrued, asserted or unasserted, contingent or
          otherwise), other than the payment, discharge or satisfaction, in the
          ordinary course of business consistent with past practice or in
          accordance with their terms, of liabilities reflected or reserved
          against in, or contemplated by, the balance sheet as of December 31,
          2005 included in the Unconsolidated FNF Financial Statements or
          incurred since December 31, 2005 in the ordinary course of business
          consistent with past practice, or in amounts not in excess of
          $10,000,000 in each case;

               (v) settle or compromise any action, suit or other litigation or
          claim arising out of the transactions contemplated hereby;

               (vi) acquire any equity securities issued by FIS;

               (vii) acquire any equity securities issued by FNT;

               (viii) loan or contribute funds to, or acquire any shares of
          capital stock of, National Title Insurance of New York, Inc.;

                                      -31-

<PAGE>

               (ix) other than in the ordinary course of business consistent
          with past practice, cancel, modify or waive any material debts or
          claims held by it or waive any material rights under any material
          contract to which FNF is a party; or

               (x) authorize any of, or commit or agree to take any of, the
          foregoing actions.

          (c) Conduct of Business by FNT. Except as specifically contemplated by
     this Agreement or as required by applicable law or as set forth on Section
     4.1(c) of the Disclosure Schedule, during the period from the date of this
     Agreement to the Closing, FNT shall, and shall cause the FNT Subsidiaries
     to, carry on its and their respective businesses only in the ordinary and
     usual course of business consistent with past practice and, to the extent
     consistent therewith, use all reasonable efforts to preserve intact its and
     their respective current business organizations, keep available the
     services of its and their current officers and employees and preserve its
     and their relationships with Governmental Entities, customers, suppliers,
     distributors, creditors, lessors, agents, insureds, reinsureds and others
     having business dealings with it and them to the end that its and their
     goodwill and ongoing businesses shall be unimpaired at the Closing. Without
     limiting the generality of the foregoing, during the period from the date
     of this Agreement to the Closing, except as set forth on Section 4.1(c) of
     the Disclosure Schedule or as otherwise expressly required by or provided
     for in this Agreement, FNT shall not, and shall not permit any of the FNT
     Subsidiaries to, without the prior consent of FNF, which shall not be
     unreasonably withheld or delayed:

               (i) (x) declare, set aside or pay any dividends on, or make any
          other distributions (whether in cash, stock or property) in respect
          of, any outstanding capital stock or other equity securities of FNT or
          such FNT Subsidiary, other than ordinary quarterly cash dividends
          consistent with past practice, (y) split, combine or reclassify any of
          its outstanding capital stock or other equity securities or issue or
          authorize the issuance of any other securities in respect of, in lieu
          of or in substitution for shares of its outstanding capital stock or
          other equity securities or (z) purchase, redeem or otherwise acquire
          any shares of outstanding capital stock or other equity securities or
          any rights, warrants or options to acquire any such shares or other
          equity securities;

               (ii) issue, sell, grant, pledge or otherwise encumber any shares
          of its capital stock, any other voting securities or any securities
          convertible into, or any rights, warrants or options to acquire, any
          such shares, voting securities or convertible securities, other than
          upon the exercise of options outstanding under the FNT Stock Plan on
          the date of this Agreement;

               (iii) acquire, in any transaction or a series of related
          transactions, by merger or otherwise, (x) any business or any
          corporation, partnership, joint venture, association or other business
          organization or division thereof, or substantially all of the assets
          of any of the foregoing, or (y) any assets that are material,
          individually or in the aggregate, to FNT or any FNT Subsidiary, except
          purchases of investment assets in the ordinary course of business
          consistent with

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<PAGE>

          past practice, except, in each case, for such transactions among FNT
          and any FNT Subsidiary or between FNT Subsidiaries;

               (iv) sell, lease, license, mortgage or otherwise encumber or
          subject to any Lien or otherwise dispose of any of its properties or
          assets that are material to FNT or any FNT Subsidiary, except in the
          ordinary course of business consistent with past practice;

               (v) amend or propose any change to its Organizational Documents;

               (vi) (x) incur any indebtedness for borrowed money or guarantee
          or otherwise become responsible for any such indebtedness of another
          Person, other than indebtedness in an amount less than $25,000,000
          individually or $50,000,000 in the aggregate, other than in the
          ordinary course of business consistent with past practice and other
          than indebtedness owing to or guarantees owing to FNT or any direct or
          indirect wholly-owned subsidiary of FNT (it being understood that
          FNT's guarantee of the performance of an FNT Subsidiary to a third
          party customer or vendor shall not constitute an incurrence of
          indebtedness under this subsection) or (y) make any material loans,
          advances or capital contributions to, or investments in, any other
          Person, other than to FNT or to any direct or indirect wholly-owned
          subsidiary of FNT and routine, immaterial advances to employees and
          other than purchases of investment assets in the ordinary course of
          business consistent with past practice;

               (vii) except in accordance with FNT's or such FNT Subsidiary's
          budget as of the date hereof, make or agree to make any new capital
          expenditure or expenditures which, individually, involves payments of
          in excess of $10,000,000 or, in the aggregate, involve payments of in
          excess of $25,000,000 or has not, prior to the date hereof, been
          budgeted by FNT or such FNT Subsidiary and approved by its board of
          directors;

               (viii) make any tax election or settle or compromise any income
          tax Liability that, individually or in the aggregate, would reasonably
          be expected to have an FNT Material Adverse Effect, except in the
          ordinary course of business consistent with past practice;

               (ix) pay, discharge, settle or satisfy any claims, liabilities or
          obligations (absolute, accrued, asserted or unasserted, contingent or
          otherwise), other than the payment, discharge or satisfaction, in the
          ordinary course of business consistent with past practice or in
          accordance with their terms, of liabilities reflected or reserved
          against in, or contemplated by, the audited consolidated and combined
          financial statements (or the notes thereto) of FNT as at and for the
          year ended December 31, 2005 or incurred since December 31, 2005 in
          the ordinary course of business consistent with past practice, or in
          amounts not in excess of $10,000,000 in each case;

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<PAGE>

               (x) settle or compromise any action, suit or other litigation or
          claim arising out of the transactions contemplated hereby;

               (xi) make any change in accounting, underwriting or actuarial
          methods, principles or practices used by FNT or any of the FNT
          Subsidiaries materially affecting its assets, liabilities or business,
          including any change with respect to establishment of reserves for
          unearned premiums, losses and loss adjustment expenses, except insofar
          as may be required by law or by a change in applicable accounting
          principles;

               (xii) other than in the ordinary course of business consistent
          with past practice, cancel, modify or waive any material debts or
          claims held by it or waive any material rights under any material
          contract to which FNT or any FNT Subsidiary is a party; or

               (xiii) authorize any of, or commit or agree to take any of, the
          foregoing actions.

          SECTION 4.2. Advice of Changes. During the period from the date of
this Agreement until the Closing, FNF shall give prompt notice to FNT, and FNT
shall give prompt notice to FNF, of any event, condition or circumstance of
which it becomes aware that would constitute a violation or breach of this
Agreement by it; provided, however, that no such notification shall affect the
representations, warranties, covenants or agreements of the parties or the
conditions to the obligations of the parties under this Agreement.

                                   ARTICLE V

                              ADDITIONAL AGREEMENTS

          SECTION 5.1. Preparation of Form S-1 and the Information Statement;
Preparation of Form S-8.

          (a) As soon as practicable following the date of this Agreement, FNT
     shall prepare, in consultation with FNF, and file with the SEC the Form S-1
     (if necessary) and the Information Statement. FNT shall use its reasonable
     best efforts to respond promptly after consultation with FNF to any
     comments of the SEC or its staff and to have the Form S-1 declared
     effective under the Securities Act as promptly as practicable after such
     filing. FNT shall use its reasonable best efforts to cause the Information
     Statement to be mailed to FNT's stockholders as promptly as practicable.
     FNT shall also take, in consultation with FNF, any action (other than
     qualifying to do business in any jurisdiction in which it is not now so
     qualified) required to be taken under any applicable state securities laws
     in connection with the issuance of the FNT Shares, the Spin-off, the
     issuance of the Replacement Options and Replacement Restricted Shares (as
     defined herein) and the adoption of the FNT Stock Plan Amendment. FNT shall
     not mail or use the Information Statement or any amendment or supplement
     thereto or any prospectus included in the Form S-1 or any amendment or
     supplement thereto without the prior approval of FNF of

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<PAGE>

     the form and content thereof, which approval will not be unreasonably
     withheld or delayed.

          (b) As soon as practicable following the completion of the Spin-off,
     FNT shall prepare, in consultation with FNF, and file with the SEC the Form
     S-8.

          SECTION 5.2. Treatment of FNF Equity Awards. In connection with the
Spin-off, each of FNF and FNT shall cooperate and take all actions necessary,
including seeking requisite stockholder approval, if necessary, to provide that
outstanding equity awards held by employees and directors of FNF who after the
Spin-off will be employed by or serve as a director of FNT or any FNT Subsidiary
(the "FNT Service Providers") will be treated as follows:

          (a) Options. As of the effective time of the Spin-off, each
     outstanding option to purchase shares of FNF common stock (an "FNF Option")
     held by an FNT Service Provider will be replaced with an option to purchase
     shares of FNT Class A Common Stock (a "Replacement Option") granted under
     the FNT Stock Plan. Each Replacement Option shall be exercisable for a
     number of shares of FNT Class A Common Stock calculated by multiplying the
     number of shares of FNF common stock subject to such FNF Option as of the
     effective time of the Spin-off by the Option Exchange Number, rounding down
     to the nearest whole number. The "Option Exchange Number" shall equal the
     closing price of a share of FNF common stock on the business day
     immediately preceding the date that the Spin-off is consummated divided by
     the closing price of a share of FNT Class A Common Stock on the date that
     the Spin-off is consummated (or, if the Spin-off is consummated after the
     close of trading on the NYSE on such date, on the next business day
     following such date), rounded to the nearest ten thousandth. The exercise
     price for each share of FNT Class A Common Stock under a Replacement Option
     shall be calculated by dividing the exercise price for one share of FNF
     common stock under the related FNF Option as of the effective time of the
     Spin-off by the Option Exchange Number, rounding up to the nearest whole
     cent. No vesting schedule for any Replacement Option shall be modified as a
     result of the transaction contemplated hereby. Notwithstanding the
     foregoing, 50% of all FNF Options held as of the effective time of the
     Spin-off by any Dual Service Provider (other than the FNF Options that are
     subject to the Option Letter Agreement) will be replaced with Replacement
     Options, and the remaining 50% of the FNF Options (other than the FNF
     Options that are subject to the Option Letter Agreement) held by such Dual
     Service Provider will be assumed by FIS pursuant to the FIS Merger
     Agreement. The replacement of FNF Stock Options pursuant to this Section
     5.2(a) shall in all circumstances satisfy Section 1.409A-1(b)(5)(v)(D) of
     the Proposed Regulations under Section 409A of the Code or any future
     guidance promulgated or issued thereunder.

          (b) Restricted Stock.

               (i) Each holder as of the Record Date of a share of FNF common
          stock which when issued was subject to forfeiture under an FNF stock
          plan and which remains subject to forfeiture as of the effective time
          of the Spin-off (an "FNF Restricted Share"), shall receive the
          Spin-off dividend pursuant to Section 5.15; provided, however, that
          such Spin-off dividend shall be subject to the same

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<PAGE>

          terms, conditions and restrictions applicable to its corresponding FNF
          Restricted Share based upon continued service with FNT and its
          affiliates.

               (ii) Immediately prior to the effective time of the Spin-off,
          each FNF Restricted Share held by an FNT Service Provider will be
          forfeited by such FNT Service provider and, as of the effective time
          of the Spin-off, FNT shall issue in replacement of such FNF Restricted
          Share, a number of restricted shares of FNT Class A Common Stock (a
          "Replacement Restricted Share") calculated by multiplying the number
          of such FNF Restricted Shares by the Restricted Share Exchange Number,
          rounding down to the nearest whole number. The "Restricted Share
          Exchange Number" shall equal the product of A divided by B, where A
          equals the closing price of a share of FNF common stock on the
          business day immediately preceding the date that the Spin-off is
          consummated minus the closing price of a share of FNT Class A Common
          Stock on the business day immediately preceding the date that the
          Spin-off is consummated, and B equals the closing price of a share of
          FNT Class A Common Stock on the date that the Spin-off is consummated
          (or, if the Spin-off is consummated after the close of trading on the
          NYSE on such date, on the next business day following such date),
          rounded to the nearest ten thousandth. Each Replacement Restricted
          Share shall be subject to the same terms, conditions and restrictions
          applicable to its corresponding FNF Restricted Share based upon
          continued service with FNT and its affiliates. Notwithstanding the
          foregoing, 50% of FNF Restricted Shares held as of the effective time
          of the Spin-off by any Dual Service Provider will be canceled and
          replaced with Replacement Restricted Shares in accordance with the
          foregoing, and the remaining 50% of the FNF Restricted Shares held by
          such Dual Service Provider shall be converted into restricted shares
          of FIS Common Stock pursuant to the FIS Merger Agreement.

          (c) Vesting. Except as may be otherwise set forth in any employment
     agreement entered into by FNF with any of its employees with respect to FNF
     Options, FNF shall take all necessary action to ensure that the vesting of
     outstanding FNF Options under FNF equity compensation plans is not
     accelerated by the occurrence of the Asset Contribution, the Spin-off or
     the FIS Merger, including by making any necessary amendments to such equity
     plans or obtaining any required consents of plan participants.

          SECTION 5.3. Employee Benefits. FNT agrees to (i) provide coverage for
employees of FNF and the Subject Companies who become employees of FNT or a FNT
Subsidiary under its medical, dental and health plans as of the Closing Date,
(ii) waive any preexisting conditions, waiting periods and actively at work
requirements under such plans, and (iii) cause such plans to honor any expenses
incurred by the employees and their beneficiaries under similar plans of FNF and
the Subject Companies during the portion of the calendar year in which the
Closing occurs but prior to the Closing Date for purposes of satisfying
applicable deductible, co-insurance and maximum out-of-pocket expenses. FNT will
cause any FNT Benefit Plan (and any other employee benefit plans established by
FNT after the date hereof) in which the employees of FNF and the Subject
Companies are eligible to participate after the Effective Time to take into
account for purposes of eligibility, vesting and benefit accrual thereunder
(but, in respect of benefit accrual, only to the extent it would not result in a

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<PAGE>

duplication of benefits for the same period of service), service with FNF and
its Subsidiaries as if such service were with FNT, to the same extent such
service was credited under a comparable plan of FNF or any of the Subject
Companies prior to the Closing Date. With respect to (i) all FNF employee
benefit plans within the meaning of Section 3(3) of ERISA, including the
Fidelity National Financial Group 401(k) Profit Sharing Plan, and (ii) the FNF
Employee Stock Purchase Plan, FNF shall, to the extent any such plan is not
terminated (and all assets distributed and all liabilities satisfied) prior to
the Closing Date, cause the sponsorship of such plans to be transferred to FNT
on or prior to the Closing Date, together with all insurance policies, bonds,
and trust, services and other agreements relating to such plans, and FNT agrees
to assume, or cause a FNT Subsidiary to assume such plans and liabilities.

          SECTION 5.4. FNT Stockholders Meeting. FNT shall use reasonable best
efforts to take all action necessary in accordance with applicable law and its
Organizational Documents to convene a meeting of its stockholders (the "FNT
Stockholders Meeting") as promptly as practicable to consider and vote upon the
approval of (i) the issuance of the FNT Shares, (ii) the adoption of the FNT
Stock Plan Amendment and (iii) the adoption of the Amended and Restated
Articles. FNT shall, through its board of directors, recommend to its
stockholders approval of the foregoing matters. FNF agrees to vote the shares of
FNT Common Stock held by it in favor of approval of the foregoing matters at the
FNT Stockholders Meeting.

          SECTION 5.5. Access to Information.

          (a) FNT shall afford to FNF and the officers, employees, counsel,
     financial advisors, accountants, actuaries and other representatives
     ("Representatives") of FNF reasonable access during normal business hours
     during the period prior to the Closing to all of its properties, books,
     contracts, commitments, personnel and records and, during such period, FNT
     shall furnish as promptly as practicable to FNF such information concerning
     its business, properties, financial condition, operations and personnel as
     FNF may from time to time reasonably request.

          (b) FNF shall afford to FNT and the Representatives of FNT reasonable
     access during normal business hours during the period prior to the Closing
     to all of the properties, books, contracts, commitments, personnel and
     records of the Subject Companies or relating to the Other Assets and the
     Assumed Liabilities and, during such period, FNF shall furnish as promptly
     as practicable to FNT such information concerning the business, properties,
     financial condition, operations and personnel of the Subject Companies or
     relating to the Other Assets and the Assumed Liabilities as FNT may from
     time to time reasonably request.

          (c) Each party agrees that its officers will confer on a regular and
     frequent basis with the officers of the other party with respect to their
     respective operations, provided that the parties will not confer on any
     matter to the extent inconsistent with applicable law.

          (d) After the Closing, upon reasonable notice, each party (the
     "Providing Party") shall furnish or cause to be furnished to the other
     party (the "Requesting Party") and its Representatives during normal
     business hours and at the expense of the

                                      -37-

<PAGE>

     Requesting Party such assistance and access to information, including all
     original agreements, documents, books, records and files, of the Providing
     Party and its subsidiaries as the Requesting Party shall reasonably request
     in connection with financial reporting and accounting matters, the
     preparation of and filing of any tax returns, reports or forms or the
     defense of any tax claim or assessment, the preparation and filing of
     reports and other filings with any Governmental Entity or any other
     reasonable purpose, provided that such assistance and access does not
     unreasonably disrupt the normal operations of the Providing Party or any of
     its subsidiaries. Except as required by applicable law, all confidential
     information of the Providing Party so obtained by the Requesting Party
     shall be kept confidential by the Requesting Party.

          SECTION 5.6. Reasonable Best Efforts. Upon the terms and subject to
the conditions and other agreements set forth in this Agreement, each of the
parties agrees to use its reasonable best efforts to take, or cause to be taken,
all actions, and to do, or cause to be done, and to assist and cooperate with
the other party in doing, all things necessary, proper or advisable to
consummate and make effective, in the most expeditious manner practicable, the
transactions contemplated by this Agreement.

          SECTION 5.7. Public Announcements. FNT and FNF shall consult with each
other before issuing, and provide each other with the opportunity to review and
comment upon, any press release or other public statements with respect to the
transactions contemplated by this Agreement, and shall not issue any such press
release or make any such public statement prior to such consultation, except as
may be required by applicable law, court process or by obligations pursuant to
any listing agreement with any national securities exchange (in which case the
party subject to such obligations shall advise the other party of such
requirement).

          SECTION 5.8. Consents, Approvals and Filings. FNF and FNT shall use
reasonable best efforts to make and cause their respective subsidiaries to make
all necessary filings, as soon as practicable, including those required under
the Securities Act, the Exchange Act, state securities laws and state insurance
laws in order to facilitate prompt consummation of the transactions contemplated
by this Agreement. In addition, FNF and FNT shall each use its reasonable best
efforts, and shall cooperate fully with each other (i) to comply as promptly as
practicable with all governmental requirements applicable to the transactions
contemplated by this Agreement and (ii) to obtain as promptly as practicable all
necessary permits, orders or other consents, approvals or authorizations of
Governmental Entities and consents or waivers of all third parties necessary or
advisable for the consummation of the transactions contemplated by this
Agreement. Each of FNF and FNT shall use its reasonable best efforts to provide
such information and communications to Governmental Entities as such
Governmental Entities may reasonably request. Each of FNF and FNT shall provide
to the other party copies of all applications at least three business days in
advance of filing or submission of such applications to Governmental Entities in
connection with this Agreement.

          SECTION 5.9. Directors and Officers. FNT shall cause (a) the
membership of the board of directors of FNT to be as set forth on Section 5.9(a)
of the Disclosure Schedule and (b) each individual listed on Section 5.9(b) of
the Disclosure Schedule to hold the office or offices set forth thereon opposite
such individual's name, in each case effective upon the consummation of the
Closing. In the event that any person listed on Section 5.9(a) or 5.9(b) of

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<PAGE>

the Disclosure Schedule is unwilling or unable to serve in the capacity
indicated, FNF and FNT shall mutually agree upon a substitute for such person.

          SECTION 5.10. Section 16 Matters. Each of FNF and FNT and their
respective boards of directors (and any committees thereof) shall adopt such
resolutions as are necessary for purposes of Rule 16b-3 under the Exchange Act
to specifically approve any acquisitions or dispositions of equity securities of
FNF or FNT (including derivative securities) in connection with this Agreement,
in each case by each officer or director of FNF or FNT who is subject to the
reporting requirements of Section 16(a) of the Exchange Act with respect to FNF
or FNT, as the case may be.

          SECTION 5.11. Related Party Agreements.

          (a) FNT and FNF shall, and shall cause their respective subsidiaries
     that are party to any of the agreements listed on Section 5.11 of the
     Disclosure Schedule (the "Related Party Agreements") to, enter into the
     amendments to the Related Party Agreements described in Section 5.11 of the
     Disclosure Schedule, which amendments shall be effective at or prior to the
     Closing.

          (b) At or prior to the Closing, FNT shall, and FNF shall cause FIS to,
     enter into the Cross-Indemnity Agreement, which shall be effective as of
     the Closing.

          (c) At or prior to the Closing, FNT and FNF shall, and FNF shall cause
     FIS to, enter into the Tax Disaffiliation Agreement, which shall be
     effective as of the Closing.

          SECTION 5.12. Certain Contributions.

          (a) Prior to the Closing, FNT shall contribute all the shares of
     capital stock of the FNT Subsidiaries held by FNT to a newly-formed,
     wholly-owned subsidiary of FNT.

          (b) Prior to the Closing, FNF shall contribute to FIS all the shares
     of capital stock of National Title Insurance of New York, Inc.

          SECTION 5.13. Amended and Restated Articles. Immediately after the
consummation of the FIS Merger, FNT shall file the Amended and Restated Articles
with the Secretary of State for the State of Delaware, such Amended and Restated
Articles to be effective upon such filing.

          SECTION 5.14. Intercompany Agreements. At or prior to the Closing, FNF
and FNT shall cause all of the agreements listed on Section 5.15 of the
Disclosure Schedule (the "Intercompany Agreements") to be terminated.

          SECTION 5.15. Spin-off.

          (a) Immediately following the FNT Stockholders Meeting, the board of
     directors of FNF shall approve and formally declare the Spin-off dividend
     (the "Spin-off Declaration") and set the Record Date. Immediately following
     the Closing, FNF shall deliver to Continental Stock Transfer & Trust
     Company (the "Transfer Agent")

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<PAGE>

     certificates representing the shares of FNT Class A Common Stock to be
     delivered to the holders of FNF common stock entitled thereto in connection
     with the Spin-off, and immediately prior to the consummation of the FIS
     Merger, the Transfer Agent shall distribute to each holder (other than FNF
     or any FNF Subsidiary) of record of common stock of FNF, as of the close of
     business on the record date designated by or pursuant to the authorization
     of the board of directors of FNF, such number of shares of FNT Class A
     Common Stock as shall be determined in accordance with the formula set
     forth in the Spin-off Declaration.

          (b) FNT agrees to take any and all actions and enter into any and all
     agreements and arrangements reasonably requested by FNF to facilitate the
     Spin-off (no matter the form of the Spin-off), including with respect to
     the matters set forth in Sections 5.1 and 5.20 of this Agreement, and to
     cooperate with FNF in connection with the Spin-off. FNT shall use its
     reasonable best efforts to cause its Representatives to cooperate with FNF
     in connection with the Spin-off, including making FNT executives available
     for any roadshow presentations, providing any indemnities and causing
     comfort letters, legal opinions and disclosure letters required by FNF to
     be provided in connection therewith and shall take all actions necessary or
     desirable to cause such documents to be in customary form.

          (c) No certificates representing fractional shares of FNT Class A
     Common Stock will be distributed in the Spin-off. As soon as practicable
     after the consummation of the Spin-off, FNT shall direct the Transfer Agent
     to determine the number of whole shares and fractional shares of FNT Class
     A Common Stock allocable to each holder of record or beneficial owner of
     FNF Common Stock otherwise entitled to fractional shares of FNT Class A
     Common Stock, to aggregate all such fractional shares and sell the whole
     shares obtained thereby, in open market transactions or otherwise, in each
     case at then prevailing trading prices, and to cause to be distributed to
     each such holder or for the benefit of each such beneficial owner to which
     a fractional share shall be allocable such holder or owner's ratable share
     of the proceeds of such sale, after making appropriate deductions for any
     amount required to be withheld for United States federal income tax
     purposes and to repay expenses reasonably incurred by the Transfer Agent,
     including all brokerage charges, commissions and transfer taxes, in
     connection with such sale. FNT and the Transfer Agent shall use their
     commercially reasonable efforts to aggregate the shares of FNT Class A
     Common Stock that may be held by any beneficial owner thereof through more
     than one account in determining the fractional share allocable to such
     beneficial owner.

          SECTION 5.16. Indemnification and Insurance.

          (a) From and after the Closing, FNT agrees that it will indemnify and
     hold harmless each person who is, or has been at any time prior to the date
     hereof or who becomes prior to the Closing, (i) an officer or director of
     FNF or (ii) an officer or director of any other enterprise at the request
     of FNF (the "Indemnified Parties"), in respect of all acts or omissions
     occurring at or prior to the Closing (including in respect of the
     transactions contemplated by this Agreement), to the same extent provided
     under the Organizational Documents of FNF as in effect on the date hereof;
     provided that such

                                      -40-

<PAGE>

     indemnification shall be subject to any limitation imposed from time to
     time under applicable law. Each Indemnified Party shall be entitled to
     advancement of expenses, provided such Indemnified Party provides an
     undertaking to repay such advances if it is ultimately determined that such
     Indemnified Party is not entitled to indemnification. Any determination to
     be made as to whether any Indemnified Party has met any standard of conduct
     imposed by law shall be made by legal counsel reasonably acceptable to such
     Indemnified Party and FNT, retained at FNT's expense.

          (b) FNT shall purchase and maintain for a period of not less than six
     years from the Closing Date a directors' and officers' insurance and
     indemnification policy providing coverage for events occurring prior to the
     Closing (the "New D&O Insurance") for all Persons who are directors,
     officers or employees of FNF or any subsidiary on the date of this
     Agreement (other than for any director, officer or employee of FIS or any
     subsidiary of FIS acting in his or her capacity as such). The New D&O
     Insurance shall (i) provide coverage substantially the same as that
     provided under the directors' and officers' insurance and indemnification
     policy currently maintained for the benefit of such Persons (the "Existing
     D&O Insurance"), (ii) be issued by an issuer that has a claims-paying
     rating at least equal to that of the issuer of the Existing D&O Insurance,
     and (iii) be on terms and subject to conditions that are no less
     advantageous to such Persons than the Existing D&O Insurance to the extent
     commercially available.

          (c) FNT agrees to pay all costs and expenses (including fees and
     expenses of counsel) that may be incurred by any Indemnified Parties in
     successfully enforcing the indemnity or other obligations of FNT under this
     Section 5.16. The provisions of this Section 5.16 are intended to be for
     the benefit of, and shall be enforceable by, each of the Indemnified
     Parties, their heirs and their representatives. This Section 5.16 shall not
     limit any other indemnification rights any Indemnified Party may have
     against FNF or any subsidiary.

          (d) In the event that FNT or any of its successors or assigns (i)
     consolidates or merges into any other Person and is not the continuing or
     surviving corporation or entity of such consolidation or merger or (ii)
     transfers or conveys all or substantially all of its properties and assets
     to any Person, then, and in each such case, proper provision will be made
     so that the successors and assigns of FNT assume the obligations set forth
     in this Section 5.16.

          SECTION 5.17. NYSE Listing. FNT shall use its reasonable best efforts
to cause the shares of FNT Class A Common Stock (i) constituting the FNT Shares
and (ii) to be reserved for issuance upon conversion of the Replacement Options,
to be authorized for listing on the New York Stock Exchange subject to official
notice of issuance, prior to the Closing Date.

          SECTION 5.18. Conversion of FNT Class B Common Stock. Concurrently
with the Closing, and immediately prior to the consummation of the Spin-off in
accordance with Section 5.15, FNF shall convert all shares of FNT Class B Common
Stock held by it into shares of FNT Class A Common Stock in the manner set forth
in the articles of incorporation of FNT in effect prior to the amendment thereof
contemplated by this Agreement, and FNT shall deliver to FNF a certificate or
certificates representing such shares of FNT Class A Common Stock and

                                      -41-

<PAGE>

shall do all things necessary and proper to give effect to and record such
conversion in the books and records of FNT.

          SECTION 5.19. Repayment of Promissory Notes. Prior to the Closing, FNF
shall repay the outstanding principal and interest owing under the intercompany
promissory notes referred to in item 10 of Section 4.1(c) of the Disclosure
Schedule.

                                   ARTICLE VI

                              CONDITIONS PRECEDENT

          SECTION 6.1. Conditions Precedent to Each Party's Obligations. The
respective obligations of each party to consummate the transactions contemplated
hereby are subject to the satisfaction on or prior to the Closing Date of the
following conditions:

          (a) Governmental and Regulatory Consents. All filings required to be
     made prior to the Closing with, and all consents, approvals, permits and
     authorizations required to be obtained prior to the Closing from,
     Governmental Entities, including those set forth in Sections 3.1(c) and
     3.2(c) of the Disclosure Schedule, in connection with the execution and
     delivery of this Agreement and the consummation of the transactions
     contemplated hereby shall have been made or obtained (as the case may be),
     and such consents, approvals, permits and authorizations shall be subject
     to no conditions other than (i) conditions customarily imposed by insurance
     regulatory authorities or (ii) other conditions that would not,
     individually or in the aggregate, reasonably be expected to have an FNF
     Material Adverse Effect or an FNT Material Adverse Effect. With respect to
     any notifications required pursuant to the HSR Act in connection with this
     Agreement, the applicable waiting period and any extensions thereof shall
     have expired or been terminated.

          (b) No Injunctions or Restraints. No temporary restraining order,
     preliminary or permanent injunction or other order issued by any
     Governmental Entity of competent jurisdiction or other legal restraint or
     prohibition preventing the consummation of the transactions contemplated
     hereby shall be in effect and no Governmental Entity of competent
     jurisdiction shall have enacted, issued, promulgated, enforced or entered
     any law deemed applicable to the transactions contemplated hereby
     individually or in the aggregate resulting in, or that is reasonably likely
     to result in, any of the foregoing; provided, however, that the party
     invoking this condition shall have used reasonable efforts to have any such
     order or injunction vacated.

          (c) FNT Stockholder Approval. The issuance of the FNT Shares, the
     adoption of the FNT Stock Plan Amendment and the adoption of the Amended
     and Restated Articles shall have been approved or adopted, as the case may
     be, by the affirmative vote of the stockholders of FNT by the requisite
     vote in accordance with the Delaware General Corporation Law and the
     requirements of the New York Stock Exchange Listed Company Manual.

                                      -42-

<PAGE>

          (d) Form S-1. The Form S-1 shall have become effective under the
     Securities Act and shall not be the subject of any stop order and no
     proceedings for that purpose shall have been initiated or threatened by the
     SEC.

          (e) FIS Merger Agreement. The FIS Merger Agreement shall be in full
     force and effect, all of the conditions to the consummation of the FIS
     Merger contemplated thereby shall have been satisfied or waived (other than
     the occurrence of the Spin-off) and FNF and FIS shall be ready to complete
     the FIS Merger immediately after the effective time of the Spin-off.

          (f) Amendment of Related Party Agreements. The Related Party
     Agreements shall have been amended in accordance with Section 5.11.

          (g) Termination of Intercompany Agreements. FNF and FNT shall have
     terminated all of the Intercompany Agreements.

          SECTION 6.2. Conditions Precedent to Obligations of FNT. The
obligations of FNT to consummate the transactions contemplated hereby are
further subject to the satisfaction on or prior to the Closing Date of the
following conditions, any one or more of which may be waived by FNT to the
extent permitted by applicable law:

          (a) Representations and Warranties. The representations and warranties
     of FNF set forth in this Agreement shall be true and correct (without
     regard to any qualifications or references to FNF Material Adverse Effect,
     Subject Company Material Adverse Effect, "material", "knowledge" or any
     other materiality or knowledge qualifications or references contained in
     any specific representation or warranty), in each case as of the date of
     this Agreement and as of the Closing Date as though made on and as of the
     Closing Date, except (i) to the extent any such representation and warranty
     speaks as of an earlier date, in which event such representation and
     warranty shall be true and correct as of such date, and (ii) where any
     failure of the representations or warranties in the aggregate to be true
     and correct would not reasonably be expected to have an FNF Material
     Adverse Effect, provided that the representations and warranties of FNF
     made in Section 3.1(b), the first sentence of Section 3.1(a) and the first,
     second and third sentences of Section 3.1(c) shall be true and correct in
     all material respects. FNT shall have received a certificate dated as of
     the Closing Date and signed on behalf of FNF by a duly authorized executive
     officer of FNF confirming, to such officer's knowledge, the matters set
     forth in this Section 6.2(a) and Sections 6.2(f) and 6.2(g).

          (b) Performance of Obligations of FNF. FNF shall have complied with or
     performed in all material respects all covenants and agreements required by
     this Agreement to be complied with or performed by it under this Agreement
     at or prior to the Closing Date, and FNT shall have received a certificate
     dated as of the Closing Date and signed on behalf of FNF by a duly
     authorized executive officer of FNF to such effect.

          (c) Third-Party Consents and Waivers. All consents and waivers
     required to be obtained by FNF from third parties other than Governmental
     Entities in connection with the consummation of the transactions
     contemplated hereby shall have been obtained,

                                      -43-

<PAGE>

     other than those which, if not obtained, individually or in the aggregate,
     would not have an FNF Material Adverse Effect.

          (d) Other Agreements. FIS shall have executed and delivered the
     Cross-Indemnity Agreement and FNF and FIS shall have executed and delivered
     the Tax Disaffiliation Agreement.

          (e) Tax Matters. FNF shall have received (i) an opinion of its special
     tax advisor, Deloitte Tax LLP, in substance and form reasonably
     satisfactory to FNT, dated the Closing Date, to the effect that, for U.S.
     federal income tax purposes, the Asset Contribution will qualify as a
     reorganization within the meaning of Section 368(a) of the Code (taking
     into account the Spin-off), and the Spin-off will qualify as a tax-free
     transaction under Section 355 and related provisions of the Code (including
     Section 361(c)(1)) for both FNF and its stockholders, and (ii) from the IRS
     a private letter ruling, in substance and form reasonably satisfactory to
     FNT, that specifically includes rulings 1, 6, 15, 24 and 25 as requested in
     Section VI of the request letter from Deloitte Tax LLP to the IRS dated
     June 2, 2006, or rulings substantially to that effect, and such rulings
     shall be in full force and effect.

          (f) FNF Board Approval of Spin-off. The board of directors of FNF
     shall have adopted the Spin-off Declaration.

          (g) Assumed Liabilities. As of the Closing, the total Assumed
     Liabilities (other than Liabilities subject to indemnification obligations
     by FNT in favor of FNF as of the date of this Agreement) that would be
     reflected on an unconsolidated balance sheet of FNF prepared in accordance
     with GAAP shall not exceed $100,000,000.

          SECTION 6.3. Conditions Precedent to Obligations of FNF. The
obligations of FNF to consummate the transactions contemplated hereby are
further subject to the satisfaction on or prior to the Closing Date of the
following conditions, any one or more of which may be waived by FNF to the
extent permitted by applicable law:

          (a) Representations and Warranties. The representations and warranties
     of FNT set forth in this Agreement shall be true and correct (without
     regard to any qualifications or references to FNT Material Adverse Effect,
     "material", "knowledge" or any other materiality or knowledge
     qualifications or references contained in any specific representation or
     warranty), in each case as of the date of this Agreement and as of the
     Closing Date as though made on and as of the Closing Date, except (i) to
     the extent any such representation and warranty speaks as of an earlier
     date, in which event such representation and warranty shall be true and
     correct as of such date, and (ii) where any failure of the representations
     or warranties in the aggregate to be true and correct would not reasonably
     be expected to have an FNT Material Adverse Effect, and FNF shall have
     received a certificate dated as of the Closing Date and signed on behalf of
     FNT by a duly authorized executive officer of FNT confirming, to such
     officer's knowledge, the matters set forth in this Section 6.3(a).

                                      -44-

<PAGE>

          (b) Performance of Obligations of FNT. FNT shall have complied with or
     performed in all material respects all covenants and agreements required by
     this Agreement to be complied with or performed by it under this Agreement
     at or prior to the Closing Date, and FNF shall have received a certificate
     dated as of the Closing Date and signed on behalf of FNT by a duly
     authorized executive officer of FNT to such effect.

          (c) Third-Party Consents and Waivers. All consents and waivers
     required to be obtained by FNT from third parties other than Governmental
     Entities in connection with the consummation of the transactions
     contemplated hereby shall have been obtained, other than those which, if
     not obtained, individually or in the aggregate, would not have an FNT
     Material Adverse Effect.

          (d) Other Agreements. FNT shall have executed and delivered the
     Cross-Indemnity Agreement and the Tax Disaffiliation Agreement.

          (e) NYSE Listing. The shares of FNT Class A Common Stock (i)
     constituting the FNT Shares and (ii) to be reserved for issuance upon
     conversion of the Replacement Options, shall have been authorized for
     listing on the New York Stock Exchange upon official notice of issuance.

          (f) Tax Matters. FNF shall have received (i) an opinion of its special
     tax advisor, Deloitte Tax LLP, in substance and form satisfactory to FNF,
     dated the Closing Date, to the effect that, for U.S. federal income tax
     purposes, the Asset Contribution will qualify as a reorganization within
     the meaning of Section 368(a) of the Code (taking into account the
     Spin-off), and the Spin-off will qualify as a tax-free transaction under
     Section 355 and related provisions of the Code (including Section
     361(c)(1)) for both FNF and its stockholders, and (ii) from the IRS a
     private letter ruling, in substance and form satisfactory to FNF, that
     specifically includes rulings 1, 6, 15, 24 and 25 as requested in Section
     VI of the request letter from Deloitte Tax LLP to the IRS dated June 2,
     2006, or rulings substantially to that effect, and such rulings shall be in
     full force and effect.

                                   ARTICLE VII

                        TERMINATION, AMENDMENT AND WAIVER

          SECTION 7.1. Termination. This Agreement may be terminated and
abandoned at any time prior to the Closing, whether before or after approval of
matters presented in connection with the FNT Stockholders Meeting:

          (a) by mutual written consent of FNT and FNF, as authorized by action
     of the respective special committees of independent members of the boards
     of directors of FNT and FNF;

          (b) by either FNT or FNF:

                                      -45-

<PAGE>

               (i) if, upon a vote at the FNT Stockholders Meeting or any
          adjournment or postponement thereof, the FNT Stockholder Approval
          shall not have been obtained;

               (ii) if the Closing shall not have been consummated on or before
          December 31, 2006; provided that the right to terminate this Agreement
          pursuant to this clause (ii) shall not be available to any party that
          has breached in any material respect its obligations under this
          Agreement in any manner that shall have proximately contributed to the
          failure of the Closing to be consummated by such date;

               (iii) if the FIS Merger Agreement shall have been terminated;

               (iv) if any Governmental Entity shall have issued an order,
          decree or ruling or taken any other action permanently enjoining,
          restraining or otherwise prohibiting the transactions contemplated
          hereby and such order, decree, ruling or other action shall have
          become final and nonappealable; or

          (c) by FNF in its sole discretion.

          SECTION 7.2. Effect of Termination. In the event of termination of
this Agreement by either FNF or FNT as provided in Section 7.1, this Agreement
shall forthwith become void and have no effect, without any Liability on the
part of FNF or FNT, other than Section 3.1(m), Section 3.2(m), this Section 7.2
and Article VIII. Nothing contained in this Section 7.2 shall relieve any party
from any Liability resulting from any willful and material breach of any of its
representations, warranties, covenants or agreements set forth in this
Agreement. If FNF terminates this Agreement pursuant to Section 7.1(c), FNF
shall reimburse FNT for all of its reasonable costs and expenses incurred in
connection with this Agreement and the transactions contemplated hereby,
including the fees of Banc of America Securities LLC and FNT's attorneys and
accountants and any SEC filing expenses incurred in connection with the FNT
Stockholder Approval.

          SECTION 7.3. Amendment. This Agreement may not be amended except by an
instrument in writing signed on behalf of each of the parties, as authorized by
action of the respective special committees of independent members of the boards
of directors of each of the parties.

          SECTION 7.4. Extension; Waiver. At any time prior to the Closing, the
parties may (a) extend the time for the performance of any of the obligations or
other acts of the other parties, (b) waive any inaccuracies in the
representations and warranties of the other parties contained in this Agreement
or in any document delivered pursuant to this Agreement or (c) subject to
Section 7.3, waive compliance with any of the agreements of the other parties
contained in this Agreement. The conditions to each of the parties' obligations
to consummate the transactions contemplated hereby are for the sole benefit of
such party and may be waived by such party in whole or in part. Any agreement on
the part of a party to any such extension or waiver shall be valid only if set
forth in an instrument in writing signed on behalf of such party.

                                      -46-

<PAGE>

The failure of any party to this Agreement to assert any of its rights under
this Agreement or otherwise shall not constitute a waiver of such rights.

                                  ARTICLE VIII

                               GENERAL PROVISIONS

          SECTION 8.1. Nonsurvival of Representations and Warranties. None of
the representations and warranties in this Agreement or in any instrument
delivered pursuant to this Agreement shall survive the Closing. This Section 8.1
shall not limit any covenant or agreement of the parties which by its terms
contemplates performance after the Closing.

          SECTION 8.2. Fees and Expenses. Except as otherwise provided in
Section 7.2, prior to the Closing each party hereto shall pay its own fees and
expenses incident to preparing for, entering into and carrying out this
Agreement and the consummation of the transactions contemplated hereby. For the
avoidance of doubt, FNT shall bear all SEC registration fees, any state filing
fees, and all printing, mailing, solicitation and other expenses associated with
the Information Statement, the Form S-1 and the FNT Stockholder Vote. All
transfer, documentary, sales, use, stamp, registration and other such taxes and
fees (including penalties and interest) incurred in connection with the
transactions contemplated by this Agreement shall be paid by FNT when due, and
FNT will indemnify FNF against Liability for any such taxes.

          SECTION 8.3. Notices. All notices, requests, claims, demands and other
communications under this Agreement shall be in writing and shall be deemed
given if delivered Personally or sent by overnight courier (providing proof of
delivery) or by facsimile to the parties at the following addresses or facsimile
numbers (or as shall be specified by like notice):

          (a) if to FNF, to

              601 Riverside Ave.,
              Jacksonville, FL 32207
              Fax: (904) 357-1005
              Attention: General Counsel

              and, if prior to Closing, with a copy (which shall not constitute
              notice) to:

              LeBoeuf, Lamb, Greene & MacRae LLP
              125 West 55th Street
              New York, NY 10019
              Fax: (212) 424-8500
              Attention: Robert S. Rachofsky
                         Gary D. Boss

              and, if prior to Closing, with a copy (which shall not constitute
              notice) to:

                                      -47-

<PAGE>

              Sullivan & Cromwell LLP
              125 Broad Street
              New York, NY 10004
              Fax: (212) 558-3588
              Attention: Neil T. Anderson
                         John J. O'Brien

          (b) if to FNT, to

              601 Riverside Ave.,
              Jacksonville, FL 32207
              Fax: (904) 854-4380
              Attention: General Counsel

              and, if prior to Closing, with a copy (which shall not constitute
              notice) to:

              Foley & Lardner LLP
              One Independent Drive, Suite 1300
              Jacksonville, FL 32202
              Fax: (904) 359-8700
              Attention: Charles V. Hedrick, Esq.

Any notice, request or other communication given as provided above shall be
deemed given to the receiving party upon actual receipt, if delivered
Personally; on the next business day after deposit with an overnight courier, if
sent by an overnight courier; or upon confirmation of successful transmission if
sent by facsimile (provided that if given by facsimile such notice, request or
other communication shall be followed up within one business day by dispatch
pursuant to one of the other methods described herein).

          SECTION 8.4. Interpretation. When a reference is made in this
Agreement to a Section, Exhibit or Schedule, such reference shall be to a
Section of, or an Exhibit or Schedule to, this Agreement unless otherwise
indicated. Any fact or item disclosed on any section of the Disclosure Schedule
shall be deemed disclosed on all other sections of the Disclosure Schedule to
the extent such fact's or item's application to such other section is reasonably
apparent on the face of the Disclosure Schedule. Disclosure of any item in the
Disclosure Schedule shall not be deemed an admission that such item represents a
material item, fact, exception of fact, event or circumstance or that occurrence
or non-occurrence of any change or effect related to such item would result in
an FNF Material Adverse Effect or an FNT Material Adverse Effect. The table of
contents and headings contained in this Agreement are for reference purposes
only and shall not affect in any way the meaning or interpretation of this
Agreement. Whenever the words "include", "includes" or "including" are used in
this Agreement, they shall be deemed to be followed by the words "without
limitation".

          SECTION 8.5. Counterparts. This Agreement may be executed in one or
more counterparts, all of which shall be considered one and the same agreement
and shall

                                      -48-

<PAGE>

become effective when one or more counterparts have been signed by each party
and delivered to the other party.

          SECTION 8.6. Entire Agreement; Third-Party Beneficiaries. This
Agreement (including the Disclosure Schedule) and the other agreements referred
to herein constitute the entire agreement, and supersede all prior agreements
and understandings, both written and oral, among the parties with respect to the
subject matter of this Agreement. Except as expressly provided in Section 5.16,
this Agreement is for the sole benefit of the parties hereto and their
successors and permitted assigns, and nothing in this Agreement, express or
implied, is intended or shall be construed to confer upon any Person other than
the parties hereto and their successors and permitted assigns any legal or
equitable rights, remedies or claims. The representations and warranties in this
Agreement are the product of negotiations among the parties hereto and are for
the sole benefit of the parties hereto. Any inaccuracies in such representations
and warranties are subject to waiver by the parties hereto in accordance with
this Agreement without notice or Liability to any other Person. In some
instances, the representations and warranties in this Agreement may represent an
allocation among the parties hereto of risks associated with particular matters
regardless of the knowledge of any of the parties hereto. Consequently, Persons
other than the parties hereto may not rely upon the representations and
warranties in this Agreement as characterizations of actual facts or
circumstances as of the date of this Agreement or as of any other date.

          SECTION 8.7. Assignment. Neither this Agreement nor any of the rights,
interests or obligations under this Agreement shall be assigned, in whole or in
part, by operation of law or otherwise (other than by operation of law in a
merger) by any party without the prior written consent of the other party, and
any such assignment that is not consented to shall be null and void. Subject to
the preceding sentence, this Agreement will be binding upon, inure to the
benefit of, and be enforceable by, the parties and their respective successors
and assigns.

          SECTION 8.8. Governing Law. This Agreement shall be governed by, and
interpreted and construed in accordance with, the laws of the State of New York,
regardless of the laws that might otherwise govern under applicable principles
of conflicts of laws thereof.

          SECTION 8.9. Enforcement; Venue; Waiver of Jury Trial.

          (a) The parties agree that irreparable damage would occur in the event
     that any of the provisions of this Agreement were not performed in
     accordance with their specific terms or were otherwise breached. It is
     accordingly agreed that the parties shall be entitled to seek an injunction
     or injunctions to prevent breaches of this Agreement and to enforce
     specifically the terms and provisions of this Agreement in any court of the
     United States or any state court, which in either case is located in
     Jacksonville, Florida (any such federal or state court, a "Jacksonville
     Court"), in addition to any other remedy to which they are entitled at law
     or in equity. In addition, each of the parties hereto (a) consents to
     submit itself to the personal jurisdiction of any Jacksonville Court in the
     event any dispute arises out of this Agreement or any of the transactions
     contemplated by this Agreement, (b) agrees that it will not attempt to deny
     or defeat such personal jurisdiction or venue by motion or other request
     for leave from any such Jacksonville Court and (c) agrees that it will not
     bring any action relating to this Agreement or any of

                                      -49-

<PAGE>

     the transactions contemplated by this Agreement in any court other than a
     Jacksonville Court.

          (b) EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY
     ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE COMPLICATED AND DIFFICULT
     ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND
     UNCONDITIONALLY WAIVES ANY RIGHT SUCH PARTY MAY HAVE TO A TRIAL BY JURY IN
     RESPECT OF ANY LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING
     TO THIS AGREEMENT, OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
     PARTY CERTIFIES AND ACKNOWLEDGES THAT (i) NO REPRESENTATIVE, AGENT OR
     ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT
     SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE
     FOREGOING WAIVER, (ii) EACH PARTY UNDERSTANDS AND HAS CONSIDERED THE
     IMPLICATIONS OF THIS WAIVER, (iii) EACH PARTY MAKES THIS WAIVER
     VOLUNTARILY, AND (iv) EACH PARTY HAS BEEN INDUCED TO ENTER INTO THIS
     AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN
     THIS SECTION 8.9.

          SECTION 8.10. Severability. Whenever possible, each provision or
portion of any provision of this Agreement will be interpreted in such manner as
to be effective and valid under applicable law but if any provision or portion
of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule in any
jurisdiction, such invalidity, illegality or unenforceability will not affect
any other provision or portion of any provision in such jurisdiction, and this
Agreement will be reformed, construed and enforced in such jurisdiction as if
such invalid, illegal or unenforceable provision or portion of any provision had
never been contained herein.

                                      -50-

<PAGE>

          IN WITNESS WHEREOF, FNF and FNT have caused this Agreement to be
signed by their respective officers thereunto duly authorized, all as of the
date first written above.

                                        FIDELITY NATIONAL FINANCIAL, INC.

                                        ----------------------------------------
                                        Name:
                                              ----------------------------------
                                        Title:
                                               ---------------------------------

                                        FIDELITY NATIONAL TITLE GROUP, INC.

                                        ----------------------------------------
                                        Name:
                                              ----------------------------------
                                        Title:
                                               ---------------------------------

                                      -51-

<PAGE>

                                   SCHEDULE A

                               SCHEDULED ENTITIES

Fidelity National Insurance Company

Fidelity National Insurance Services, Inc.

Fidelity National Timber Resources Inc.

FNF Capital Leasing, Inc.

FNF Holding, LLC

FNF International Holdings, Inc.

National Alliance Marketing Group, Inc.

Rocky Mountain Aviation, Inc.

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