Document:

<PAGE>
                                                                   EXHIBIT 10.42

                             MASTER LOAN AGREEMENT

This Master Loan Agreement (Agreement) is made and entered into this 10th day of
February 1999 between and among Chicago Title and Trust Company (CT&T), an
Illinois corporation, as borrower (Borrower) and any one or more of Chicago
Title Insurance Company (CTI), a Missouri corporation, Security Union Title
Insurance Company (SU), a California corporation and Ticor Title Insurance
Company (Ticor), a California corporation and each, individually, as a lender
(Lender).

                                    Recitals:

A.   CT&T is the parent company of CTl,SU and Ticor.

B.   CTI, SU and Ticor are each insurance companies subject to state insurance
     department regulation and insurance holding company regulation in their
     respective states of domicile.

C.   CT&T desires from time to time to borrow funds from one or more of the
     Lenders and the Lenders are each willing to make such loans to CT&T from
     time to time.

D.   In the event of any such a borrowing by CT&T from a Lender, the Lender may
     be affected by. one or more of the following forms of insurance department
     regulation:

     -    The form of borrowing agreement may be subject to reporting to an
          insurance department as an agreement between affiliates.

     -    Actual borrowings may be subject to report or prior approval of a
          state insurance department.

     -    An unsecured or inadequately collateralized loan may not qualify as an
          admitted asset of a Lender under applicable statutory accounting
          principles.

E.   Under borrowing procedures contemplated by this Agreement, the parties
     intend to comply with all applicable state insurance department regulation
     as well as internal governance .procedures applicable to the parties.

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

1.   Agreement To Loan - Corporate Approval. Upon written request by CT&T to a
     Lender from time to time, each Lender agrees to loan funds to CT&T, subject
     to compliance with the following terms and conditions:

A.   The parties acknowledge that borrowings made hereunder are significant and
     may be appropriate for approval of the boards of directors of Borrower
     and/or a Lender. Consequently, each of the boards of directors of Borrower
     and the Lenders have acted to

<PAGE>

     approve or shall approve the subject agreement of the parties, the
     execution of this Agreement and maintenance of this Agreement for the term
     provided.

B.   A record of all borrowings made and principal and interest amounts
     outstanding shall be maintained by the Chief Financial Officer of CT&T.

C.   In the absence of further agreement of the parties, the sum of all
     borrowings made hereunder measured by outstanding principal shall not
     exceed the lesser of:

     i.   the aggregate amount which may be collateralized by stock of CT&T's
          insurance subsidiaries or other forms of collateral sufficient to
          support admitted asset accounting treatment for loans, made; or

     ii.  the aggregate sum of loans which may be made without prior approval of
          each Lender's state insurance regulator.

     The applicable loan limit under this paragraph is presently estimated at
     $19.8 million based on year-end 1997 accounts. This limit shall be adjusted
     at the end of each calendar year.

D.   Each borrowing request shall be made in the form attached as Exhibit A
     setting forth the following information:

     i.   the amount to be borrowed;

     ii.  the proposed form of collateral with valuation support;

     iii. the effective date of borrowing and proposed terms of repayment;

     iv.  a statement of anticipated regulatory compliance action.

E.   Except as otherwise agreed to by the parties, a loan shall be
     collateralized so as to preserve the admitted asset position of the Lender
     under statutory accounting principles.

F.   Each individual borrowing under this Agreement shall be evidenced by a
     Promissory Note executed by Borrower substantially in the form attached as
     EXHIBIT B setting forth the principal sum borrowed, the applicable interest
     rate, the terms of repayment and description of collateral. The term for a
     loan may not exceed ten (10) years and all loans shall be repaid as to
     principal on an. amortized basis of equal annual payments over the term of
     the loan.

G.   Except as otherwise agreed upon by the parties, all borrowed sums shall
     bear interest, at Borrower's option, at a rate per annum equal to:

     i.   The Base Rate, which means, for any day, a rate per annum equal to the
          higher of (a) the Federal Funds Rate for such day plus one half of one
          percent (1/2 %) or (b) the "Prime Rate" (hereinafter defined) for such
          day. "Prime Rate" means the bank prime loan rate per Federal Reserve
          Statistical Release (H.15(519). Interest on each advance bearing
          interest at the Base Rate shall be calculated on the basis of a year
          of 360 days and actual days elapsed, and shall be payable on the last
          day of each calendar quarter and at maturity; or

                                       2

<PAGE>

     ii.  The rate on one, three or six month Eurodollar deposits (London) as
          selected by Borrower and as determined from Federal Reserve
          Statistical Release H.15(519) plus the applicable LIBOR margin per
          annum (the "LIBOR Rate") as set forth in the following grid:

<TABLE>
<CAPTION>
                                            Applicable LIBOR Margin
 Borrower's Leverage Ratio (Debt/Equity)        for LIBOR Loans
-----------------------------------------   -----------------------
<S>                                         <C>
Less than 0.20:1.00                                  0.375%
0.20:1.00 through but less than 0.25:1.00            0.425%
0.25:1.00 through but less than 0.30:1.00            0.475%
0.30:1.00 through but less than 0.35:1.00            0.525%
Greater than or equal to 0.35:1.00                   0.625%
</TABLE>

          Interest on borrowings under this option shall be payable on the last
          day of each calendar quarter and at maturity, and shall be calculated
          on actual days elapsed on a 360 day year.

H.   In the event CT&T elects to collateralize a bail by a pledge of stock,
     the-pledge shall be supported by a Pledge Agreement substantially in the
     form attached as Exhibit C.

I.   The Borrower shall pay to each Lender a commitment fee equal to ten (10)
     basis points per annum on sums which CT&T elects not to borrow below the
     loan cap for that Lender.

2.   Loans - Regulatory Approval. In regard to this borrowing agreement and its
     implementation, each Lender shall be responsible for making all appropriate
     reports or filings with its state insurance department regulator. Likewise,
     CT&T shall be responsible for making all appropriate reports or filings
     with its state regulators. In the event prior approval of a loan is
     required from a state regulator, the loan may not be made effective until
     after the requisite approval has been obtained.

3.   Cooperation of Parties. The parties shall cooperate with each other in
     taking any actions appropriate to support the purposes of this Agreement.

4.   Prepayment. Any loan made hereunder may be pre-paid in whole or in part at
     any time without penalty.

5.   Term. The term of this Agreement shall be ten (10) years plus automatic
     renewal terms of ten (10) years duration; provided that, a party may
     withdraw from the Agreement upon at least ninety (90) days prior written
     notice at the end of the initial or any renewal term or for good cause
     including, but not limited to, regulatory restrictions or default by
     Borrower at any time upon one day written notice; and further provided
     that, this Agreement shall remain in place as to a Lender so long as a loan
     affecting that Lender remains outstanding subject to immediate acceleration
     of all loans involving a Lender providing written notice of termination for
     good cause.

                                       3

<PAGE>

6.   Governing Law. This Agreement shall be governed by the laws of the State
     of Illinois.

Executed this 10th day of February 1999.

CHICAGO TITLE AND TRUST COMPANY         SECURITY UNION TITLE INSURANCE COMPANY

By  /s/                                 By  /s/
    ---------------------------------       ------------------------------------
    Authorized Officer                      Authorized Officer

CHICAGO TITLE INSURANCE COMPANY         TICOR TITLE INSURANCE COMPANY

By  /s/                                 By  /s/
    ---------------------------------       ------------------------------------
    Authorized Officer                      Authorized Officer

                                       4

<PAGE>

                               BORROWING REOUEST

     Pursuant to Master Loan Agreement dated February 1,1999, Chicago Title and
Trust Company makes the following borrowing request:

<TABLE>
<CAPTION>
                                        Effective Date and      Terms of
Lender                 Amount of Loan    Duration of Loan      Repayment.
------                 --------------   ------------------   --------------
<S>                    <C>              <C>                  <C>
Security Union Title     $2,700,000      2119/99, 10 years    $270,000 per
Insurance Company                         Due 12/31/2008     year due 12/31
                                                              of each year
</TABLE>

Collateralization (Amount of shares. estimated value, etc)

428 shares of Chicago Title Insurance Company common stock having a statutory
value of $3,381,554 at December 31, 1998

Interest Rate

Initially 1 month LIBOR plus applicable LIBOR Margin, to be reset from time to
time

Regulatory Actions

None

                                         CHICAGO TITLE AND TRUST COMPANY

                                         By: /s/
                                             -----------------------------------
                                             Authorized Officer

BORROWING REQUEST
APPROVED BY LENDER:                      Date: February 19, 1999

SECURITY UNION TITLE INSURANCE COMPANY

By: /s/
    ---------------------------------
    Authorized Officer

Date: February 19, 1999

<PAGE>

                                 PROMISSORY NOTE

$2,700,000                                                     February 19, 1999
                                                               Chicago, Illinois

     For value received and pursuant to that certain Master Loan Agreement dated
February 1, 1999 between CHICAGO TITLE AND TRUST COMPANY (CT&T), CHICAGO TITLE
INSURANCE COMPANY (CTI), TICOR TITLE INSURANCE COMPANY (Ticor) and SECURITY
UNION TITLE INSURANCE COMPANY (SU), CT&T promises to pay to SU (Lender), or to
its order, the principal sum of Two Million Seven Hundred Thousand ($2,700,000)
Dollars (representing the proceeds of a loan to be used for business purposes)
together with interest on the unpaid principal sum from this date at the rate
per annum equal, at Borrowers option, to:

(a)  The "Base Rate," which means, for any day, a rate per annum equal to the
     higher of (a) the Federal Funds Rate for such day plus one half of one
     percent (1/2%) or (b) the "Prime Rate" (hereinafter defined) for such day.
     "Prime Rate" means the bank prime loan rate per Federal Reserve Statistical
     Release 11.15(519). Interest on each advance bearing interest at the Base
     Rate shall be calculated on the basis of a year of 360 days and actual days
     elapsed, and shall be payable on the last day of each calendar quarter and
     at maturity; or

(b)  The rate on one, three or six month Eurodollar deposits (London) as
     determined from Federal Reserve Statistical Release H.15(519) plus the
     applicable LIBOR margin as set forth in the following grid:

<TABLE>
<CAPTION>
                                            Applicable LIBOR Margin
 Borrower's Leverage Ratio (Debt/Equity)        for LIBOR Loans
-----------------------------------------   -----------------------
<S>                                         <C>
Less than 0.20:1.00                                  0.375%
0.20:1.00 through but less than 0.25:1.00            0.425%
0.25:1.00 through but less than 0.30:1.00            0.475%
0.30:1.00 through but less than 0.35:1.00            0.525%
Greater than  or equal to 0.35:1.00                  0.625%
</TABLE>

     until paid in full or in the event of a default in which case the interest
     rate specified below shall apply.

     The principal sum plus interest thereon shall be repaid as follows:

1.   Quarterly payments of interest together with annual payments of principal
     to be amortized over a period equal to the term of the loan but in no event
     to exceed ten (10) years to complete repayment of the principal sum
     together with interest thereon.

<PAGE>

     All payments due under this Note shall be due and payable without invoice
and shall be forwarded to Lender in Chicago, Illinois, 171 North Clark Street,
Attention: Asset Management Department Each payment shall be clearly marked as
to the loan and whether payment is of interest, of principal or a prepayment.
Prepayments of principal may be made at any time without penalty.

     In the event the maker fails to make any payment due hereunder at the time
and place specified, the holder may as a courtesy not as a matter of legal
obligation provide the maker with notice of such failure to pay. In the event
such failure to pay remains uncorrected for a period often (10) days or more,
the holder may, at its sole option, declare the whole amount remaining unpaid,
including principal and interest, to be due and payable at once. In the event of
any such unremedied failure to pay, with or without acceleration of the entire
indebtedness, the delinquent amount shall thereafter bear interest at the rate
of eighteen (18%) percent per annum until paid.

     The failure of the holder to provide notice of default to the maker shall
in no manner affect or alter its liability under this Note.

     In case this note is placed in the hands of an attorney for collection, the
maker agrees to pay a reasonable attorney's fee and costs of collection. The
maker waives notice, protest, presentment and notice of dishonor and agrees that
after maturity of this obligation or any installment thereof, the time for
payment of the same may be extended by the holder at the request of maker or
otherwise without releasing the maker hereof from liability.

     This note is additionally secured by a Collateral Pledge in favor of Lender
of certain shares of stock owned by CT&T in CTI, which shares shall not, without
prior approval of the Chief Financial Officer of CT&T, exceed 10% of all
outstanding shares of such company.

CHICAGO TITLE AND TRUST COMPANY

By: /s/
    ---------------------------------
    Authorized Officer

                                        2

<PAGE>

                           COLLATERAL PLEDGE AGREEMENT

     This Agreement is made this 19th day of February, 1999 between Chicago
Title and Trust Company (CT&T) and Security Union Title Insurance Company
(Lender).

                                    RECITALS:

A.   Pursuant to a Master Loan Agreement dated February 1, 1999, Lender agreed
     to loan to CT&T the sum of $2,700,000 Dollars which loan and indebtedness
     is represented by a Promissory Note dated February 19,1999 executed by CT&T
     in favor of Lender.

B.   CT&T owns all of the issued and outstanding shares of Chicago Title
     Insurance Company (CTI) and deems the execution of such note to be in the
     best interest of CT&T.

C.   Lender agreed to make such loan only on the condition that it receive as
     additional security for the repayment thereof a collateral pledge of
     outstanding shares of CTI or other assets.

D.   Shareholder is willing to pledge shares in CTI to Lender as additional
     security for the repayment of such note and performance of CT&T under said
     Agreement and the subject Promissory Note.

     NOW, THEREFORE, it is agreed by and between the parties as follows:

1.   Pledge. CT&T does hereby assign, pledge and transfer to Lender all of its
     right, title and interest in and to a total of 428 shares of common stock
     of CTI evidenced by certificate Nos. _____ to _____ being no more than ten
     (10%) percent or less of the issued and outstanding shares of CTI.

2.   Collateral Security. This pledge is executed as collateral security for the
     repayment of that certain Promissory Note of even date herewith executed by
     CT&T.'

3.   Representations. Shareholder represents and warrants that it is owner of
     the shares pledged hereunder free and clear of any lien, claim or
     encumbrance whatsoever.

4.   Additional Shares. Any additional shares issued by a corporation whose
     shares are held during the period this pledge remains in effect shall be
     issued subject to the terms of this pledge with Lender enjoying pre-emptive
     rights to maintain its percentage interest in the company whose shares are
     pledged under this Agreement.

5.   Rights of Pledgee. During the term of this pledge, at Lender's option:

A.   Lender shall be registered in the records of Chicago Title and Trust as
     holder, as pledgee, of all outstanding shares of CTI, shall be entitled to
     receive notice of corporate action as though it were a shareholder of CTI
     and at its option and only to preserve the value of pledged shares, shall
     be entitled to vote the shares of CTI in its possession as pledgee.

<PAGE>

B.   CTI shall declare and pay dividends only with the written consent of
     Lender.

Executed this 19th day of February, 1999.

CHICAGO TITLE AND TRUST COMPANY         SECURITY UNION TITLE INSURANCE COMPANY

By /s/                                  By /s/
   ----------------------------------      -------------------------------------
   Authorized Officer                      Authorized Officer

                                       2

<PAGE>

                                BORROWING REQUEST

     Pursuant to Master Loan Agreement dated February 1, 1999, Chicago Title and
Trust Company makes the following borrowing request:

<TABLE>
<CAPTION>
                                         Effective Date and
Lender                  Amount of Loan    Duration of Loan      Terms of Repayment
------                  --------------   ------------------   ----------------------
<S>                     <C>              <C>                  <C>
Ticor Title Insurance     $6,000,000      2/19/99, 10 years     $600,000 per year,
Company                                    Due 12/31/2008     due 12/31 of each year
</TABLE>

Collateralization (Amount of shares. estimated value. Etc.)

950 shares of Chicago Title Insurance Company common stock having a statutory
value of $7,505,787 at December 31, 1998

Interest Rate

Initially 1 month LIBOR plus applicable LIBOR Margin, to be reset from time to
time

Regulatory Actions

None

                                        CHICAGO TITLE AND TRUST COMPANY

                                        By: /s/
                                            ------------------------------------
                                            Authorized Officer

BORROWING REQUEST
APPROVED BY LENDER:

TICOR TITLE INSURANCE COMPANY

By: /s/
    ---------------------------------
    Authorized Officer

Date: February 19, 1999

<PAGE>

                                PROMISSORY NOTE

$6,000,000                                                     February 19, 1999
                                                               Chicago, Illinois

     For value received and pursuant to that certain Master Loan Agreement dated
February 1, 1999 between CHICAGO TITLE AND TRUST COMPANY (CT&T), CHICAGO TITLE
INSURANCE COMPANY (CTI), TICOR TITLE INSURANCE COMPANY (Ticor) and SECURITY
UNION TITLE INSURANCE COMPANY (SO), CT&T promises to pay to Ticor (Lender), or
to its order, the principal sum of Six Million ($6,000,000) Dollars
(representing the proceeds of a loan to be used for business purposes) together
with interest on the unpaid principal sum from this date at the rate per annum
equal, at Borrowers option, to:

(a)  The "Base Rate," which means, for any day, a rate per annum equal to the
     higher of (a) the Federal Funds Rate for such day plus one half of one.
     percent (1/2%) or (b) the "Prime Rate" (hereinafter defined) for such day.
     "Prime Rate" means the bank prime loan rate per Federal Reserve Statistical
     Release H.15(519). Interest on each advance bearing interest at the Base
     Rate shall be calculated on the basis of a year of 360 days and actual days
     elapsed, and shall be payable on the last day of each calendar quarter and
     at maturity; or

(b)  The rate on one, three or six month Eurodollar deposits (London) as
     determined from Federal Reserve Statistical Release H.15(519) plus the
     applicable LIBOR margin as set forth in the following grid:

<TABLE>
<CAPTION>
                                            Applicable LIBOR Margin
 Borrower's Leverage Ratio (Debt/Equity)        for LIBOR Loans
-----------------------------------------   -----------------------
<S>                                         <C>
Less than 0.20:1.00                                  0.375%
0.20:1.00 through but less than 0.25:1.00            0.425%
0.25:1.00 through but less than 0.30:1.00            0.475%
0.30:1.00 through but less than 0.35:1.00            0.525%
Greater than  or equal to 0.35:1.00                  0.625%
</TABLE>

     until paid in full or in the event of a default in which case the interest
     rate specified below shall apply.

     The principal sum plus interest thereon shall be repaid as follows:

1.   Quarterly payments of interest together with annual payments of principal
     to be amortized over a period equal to the_ term of the loan but in no
     event to exceed ten (10) years to complete repayment of the principal sum
     together with interest thereon.

<PAGE>

     All payments due under this Note shall be due and payable without invoice
and shall be forwarded to Lender in Chicago, Illinois, 171 North Clark Street,
Attention: Asset Management Department. Each payment shall be clearly marked as
to the loan and whether payment is of interest, of principal or a prepayment.
Prepayments of principal may be made at any time without penalty.

     In the event the maker fails to make any payment due hereunder at the time
and place specified, the holder may as a courtesy not as a matter of legal
obligation provide the maker with notice of such failure to pay. In the event
such failure to pay remains uncorrected for a period of ten (10) days or more,
the holder may, at its sole option, declare the whole amount remaining unpaid,
including principal and interest, to be due and payable at once. In the event of
any such unremedied failure to pay, with or without acceleration of the entire
indebtedness, the delinquent amount shall thereafter bear interest at the rate
of eighteen (18%) percent per annum until paid.

     The failure of the holder to provide notice of default to the maker shall
in no manner affect or alter its liability under this Note.

     In case this note is placed in the hands of an attorney for collection, the
maker agrees to pay a reasonable attorney's fee and costs of collection. The
maker waives notice, protest, presentment and notice of dishonor and agrees that
after maturity of this obligation or any installment thereof, the time for
payment of the same may be extended by the holder at the request of maker or
otherwise without releasing the maker hereof from liability.

     This note is additionally secured by a Collateral Pledge in favor of Lender
of certain shares of stock owned by CT&T in CTI, which shares shall not, without
prior approval of the Chief Financial Officer of CT&T, exceed 10% of all
outstanding shares of such company.

CHICAGO TITLE AND TRUST COMPANY

By: /s/
    ---------------------------------
    Authorized Officer

                                       2

<PAGE>

                           COLLATERAL PLEDGE AGREEMENT

     This Agreement is made this 19th day of February, 1999 between Chicago
Title and Trust Company (CT&T) and Ticor Title Insurance Company (Lender).

                                   RECITALS:

A.   Pursuant to a Master Loan Agreement dated February 1, 1999, Lender agreed
     to loan to CT&T the sum of $6,000,000 Dollars which loan and indebtedness
     is represented by a Promissory Note dated February 19,1999 executed by CT&T
     in favor of Lender.

B.   CT&T owns all of the issued and outstanding shares of Chicago Title
     Insurance Company (CTI) and deems the execution of such note to be in the
     best interest of CT&T.

C.   Lender agreed to make such loan only on the condition that it receive as
     additional security for the repayment thereof a collateral pledge of
     outstanding shares of CTI or other assets.

D.   Shareholder is willing to pledge shares in CTI to Lender as additional
     security for the repayment of such note and performance of CT&T under said
     Agreement and the subject Promissory Note.

     NOW, THEREFORE, it is agreed by and between the parties as follows:

1.   Pledge. CT&T does hereby assign, pledge and transfer to Lender all of its
     right, title and interest in and to a total of 950 shares of common stock
     of CTI evidenced by certificate Nos. _____ to ______ being no more than ten
     (10%) percent or less of the issued and outstanding shares of CTI.

2.   Collateral Security. This pledge is executed as collateral security for the
     repayment of that certain Promissory Note of even date herewith executed by
     CT&T.

3.   Representations. Shareholder represents and warrants that it is owner of
     the shares pledged hereunder free and clear of any lien, claim or
     encumbrance whatsoever.

4.   Additional Shares. Any additional shares issued by a corporation whose
     shares are held during the period this pledge remains in effect shall be
     issued subject to the terms of this pledge with Lender enjoying pre-emptive
     rights to maintain its percentage interest in the company whose shares are
     pledged under this Agreement.

5.   Rights of Pledgee. During the term of this pledge, at Lender's option:

A.   Lender shall be registered in the records of Chicago Title and Trust as
     holder, as pledgee, of all outstanding shares of CTI, shall be entitled to
     receive notice of corporate action as though it were a shareholder of CTI
     and at its option and only to preserve the value of pledged shares, shall
     be entitled to vote the shares of CTI in its possession as pledgee.

B.   CTI shall declare and pay dividends only with the written consent of
     Lender.

<PAGE>

Executed this 19th day of February, 1999.

CHICAGO TITLE AND TRUST COMPANY         TICOR TITLE INSURANCE COMPANY

By: /s/                                 By: /s/
    ---------------------------------       ------------------------------------
    Authorized Officer                      Authorized Officer

                                        2

<PAGE>

                                PROMISSORY NOTE

$10,600,000                                                    February 19, 1999
                                                               Chicago, Illinois

     For value received and pursuant to that certain Master Loan Agreement dated
February 1, 1999 between CHICAGO TITLE AND TRUST COMPANY (CT&T), CHICAGO TITLE
INSURANCE COMPANY (CTI), TICOR TITLE INSURANCE COMPANY (Ticor) and SECURITY
UNION TITLE INSURANCE COMPANY (SU), CT&T promises to pay to CTI (Lender), or to
its order, the principal sum of Ten Million Six Hundred Thousand ($10,600,000)
Dollars (representing the proceeds of a loan to be used for business purposes)
together with interest on the unpaid principal sum from this date at the rate
per annum equal, at Borrowers option, to:

(a)  The "Base Rate," which means, for any day, a rate per annum equal to the
     higher of (a) the Federal Funds Rate for such day plus one half of one
     percent (1/2%) or (b) the "Prime Rate" (hereinafter defined) for such day.
     "Prime Rate" means the bank prime loan rate per Federal Reserve Statistical
     Release H.15(519). Interest on each advance bearing interest at the Base
     Rate shall be calculated on the basis of a year of 360 days and actual days
     elapsed, and shall be payable on the last day of each calendar quarter and
     at maturity; or

(b)  The rate on one, three or six month Eurodollar deposits (London) as
     determined from Federal Reserve Statistical Release H.15(519) plus the
     applicable LIBOR margin as set forth in the following grid:

<TABLE>
<CAPTION>
                                            Applicable LIBOR Margin
 Borrower's Leverage Ratio (Debt/Equity)        for LIBOR Loans
-----------------------------------------   -----------------------
<S>                                         <C>
Less than 0.20:1.00                                  0.375%
0.20:1.00 through but less than 0.25:1.00            0.425%
0.25:1.00 through but less than 0.30:1.00            0.475%
0.30:1.00 through but less than 0.35:1.00            0.525%
Greater than or equal to 0.35:1.00                   0.625%
</TABLE>

     until paid in full or in the event of a default in which case the interest
     rate specified below shall apply.

     The principal sum plus interest thereon shall be repaid as follows:

1.   Quarterly payments of interest together with annual payments of principal
     to be amortized over a period equal to the term of the loan but in no event
     to exceed ten (10) years to complete repayment of the principal sum
     together with interest thereon.

                                       1

<PAGE>

     All payments due under this Note shall be due and payable without invoice
and shall be forwarded to Lender in Chicago, Illinois, 171 North Clark Street,
Attention: Asset Management Department. Each payment shall be clearly marked as
to the loan and whether payment is of interest, of principal or a prepayment.
Prepayments of principal may be made at any time without penalty.

     In the event the maker fails to make any payment due hereunder at the time
and place specified, the holder may as a courtesy not as a matter of legal
obligation provide the maker with notice of such failure to pay. In the event
such failure to pay remains uncorrected for a period of ten (10) days or more,
the holder may, at its sole option, declare the whole amount remaining unpaid,
including principal and interest, to be due and payable at once. In the event of
any such unremedied failure to pay, with or without acceleration of the entire
indebtedness, the delinquent amount shall thereafter bear interest at the rate
of eighteen (18%) percent per annum until paid.

     The failure of the holder to provide notice of default to the maker shall
in no manner affect or alter its liability under this Note.

     In case this note is placed in the hands of an attorney for collection, the
maker agrees to pay a reasonable attorney's fee and costs of collection. The
maker waives notice, protest, presentment and notice of dishonor and agrees that
after maturity of this obligation or any installment thereof, the time for
payment of the same may be extended by the holder at the request of maker or
otherwise without releasing the maker hereof from liability.

     This note is additionally secured by a Collateral Pledge in favor of Lender
of certain shares of stock owned by CT&T in Ticor and SU, which shares shall
not, without prior approval of the Chief Financial Officer of CT&T, exceed 10%
of all outstanding shares of such company.

CHICAGO TITLE AND TRUST COMPANY

By: /s/
    ---------------------------------
    Authorized Officer

                                       2

<PAGE>

                                BORROWING REQUEST

     Pursuant to Master Loan Agreement dated February 1, 1999, Chicago Title and
Trust Company makes the following borrowing request:

<TABLE>
<CAPTION>
                                     Effective Date and
Lender              Amount of Loan    Duration of Loan      Terms of Repayment
------              --------------   ------------------   ----------------------
<S>                 <C>              <C>                  <C>
Chicago Title         $10,600,000     2/19/99, 10 years    $1,060,000 per year,
Insurance Company                      Due 12/31/2008     due 12/31 of each year
</TABLE>

Collateralization (Amount of shares. estimated value. Etc.)

29,999 shares of Ticor Title Insurance Company common stock having a statutory
value of $7,843,078 at December 31, 1998

549 shares of Security Union Title Insurance Company common stock having a
statutory value of $5,456,024 at December 31, 1998

Interest Rate

Initially 1 month LIBOR plus applicable LIBOR Margin, to be reset from time to
time

Regulatory Actions

None

                                        CHICAGO TITLE AND TRUST COMPANY

                                        By: /s/
                                            ------------------------------------
                                            Authorized Officer

BORROWING REQUEST
APPROVED BY LENDER:

CHICAGO TITLE INSURANCE COMPANY

By: /s/
    ---------------------------------
    Authorized Officer

Date: February 19, 1999

                                       3

<PAGE>

                          COLLATERAL PLEDGE AGREEMENT

     This Agreement is made this 19th day of February, 1999 between CHICAGO
TITLE AND TRUST COMPANY (CT&T) and Chicago Title Insurance Company (Lender).

                                   Recitals:

A.   Pursuant to a Master Loan Agreement dated February 1, 1999, Lender agreed
     to loan to CT&T the sum of $10,600,000 Dollars which loan and indebtedness
     is represented by a Promissory Note dated February 19, 1999 executed by
     CT&T in favor of Lender.

B.   CT&T owns all of the issued and outstanding shares of Ticor Title Insurance
     Company (Ticor) and Security Union Title Insurance Company (SU) and deems
     the execution of such note to be in the best interest of CT&T.

C.   Lender agreed to make such loan only on the condition that it receive as
     additional security for the repayment thereof a collateral pledge of
     outstanding shares of Ticor and SU or other assets.

D.   Shareholder is willing to pledge shares in Ticor and SU to Lender as
     additional security for the repayment of such note and performance of CT&T
     under said Agreement and the subject Promissory Note.

     NOW, THEREFORE, it is agreed by and between the parties as follows:

1.   Pledge. CT&T does hereby assign, pledge and transfer to Lender all of its
     right, title and interest in and to a total of 29,999 shares of common
     stock of Ticor evidenced by certificate Nos.____ to ______ and 549 shares
     of SU evidenced by certificate Nos.____ to _____ being no more than ten
     (10%) percent or less of the issued and outstanding shares of Ticor or no
     more than ten (10%) or less of the issued and outstanding shares of SU.

2.   Collateral Security. This pledge is executed as collateral security for the
     repayment of that certain Promissory Note of even date herewith executed by
     CT&T.

3.   Representations. Shareholder represents and warrants that it is owner of
     the shares pledged hereunder free and clear of any lien, claim or
     encumbrance whatsoever.

4.   Additional Shares. Any additional shares issued by a corporation whose
     shares are held during the period this pledge remains in effect shall be
     issued subject to the terms of this pledge with Lender enjoying pre-emptive
     rights to maintain its percentage interest in the company whose shares are
     pledged under this Agreement.

5.   Rights of Pledgee. During the term of this pledge, at Lender's option:

A.   Lender shall be registered in the records of Chicago Title and Trust as
     holder, as pledgee, of all outstanding shares of Ticor and SU, shall be
     entitled to receive notice of corporate action as though it were a
     shareholder of Ticor and SU and at its option and only to

<PAGE>

     preserve the value of pledged shares, shall be entitled to vote the shares
     of Ticor and SU in its possession as pledgee.

B.   Ticor and SU shall declare and pay dividends only with the written consent
     of Lender.

Executed this 19th day of February, 1999.

CHICAGO TITLE AND TRUST COMPANY         CHICAGO TITLE INSURANCE COMPANY

By: /s/                                 By: /s/
    ---------------------------------       ------------------------------------
    Authorized Officer                      Authorized Officer

                                        2<PAGE>

                                                                   EXHIBIT 10.43

                   OTS AND OTS GOLD SOFTWARE LICENSE AGREEMENT

This SOFTWARE LICENSE AGREEMENT (the "Agreement") is dated as of March 4, 2005
("Effective Date") and is made by and between ROCKY MOUNTAIN SUPPORT SERVICES,
INC., an Arizona corporation ("RMSS"), and FIDELITY NATIONAL TAX SERVICE, INC.,
a California corporation ("Licensee").

1.   DEFINITIONS.

     As used in this Agreement:

     1.1  "ASSISTANCE" shall mean installation, conversion planning, conversion,
          consulting assistance, workshops, training or education classes which
          may be performed by RMSS, or other functions mutually agreed to be
          "Assistance" by Licensee and RMSS.

     1.2  "COMPETITOR" shall mean a natural or legal person offering a product
          that competes with RMSS Software.

     1.3  "DAYS" shall mean calendar days, unless otherwise specified.

     1.4  "DOCUMENTATION" shall mean RMSS's standard operating instructions
          relating to the RMSS Software, consisting of one copy of the object
          code form of the RMSS Software; a copy of manuals consisting of
          instructions and procedures for systems and operations personnel and
          end users of RMSS Software, if any, and related documentation, if any.
          RMSS will deliver the Documentation to Licensee in paper form, on CD
          ROM or electronically, at RMSS's discretion (except that RMSS Software
          shall be delivered on machine readable media). Licensee acknowledges
          that not all items of Documentation are available in all forms of
          media. RMSS shall have the right to change the medium upon which the
          Documentation is delivered to Licensee without notice to Licensee.
          Upon electronic delivery of Documentation, any obligation of RMSS to
          deliver multiple numbers of copies of such Documentation to Licensee
          shall have no further force or effect.

     1.5  "ESCALATION PROCEDURES" shall mean the procedures set forth in Section
          10 of this Agreement.

     1.6  "INSTALLATION SITE" shall mean the location at which the RMSS Software
          is installed and which is owned or controlled by Licensee, or a
          Licensee contractor (who is not a Competitor and who has executed a
          nondisclosure agreement consistent with the terms of this Agreement)
          providing use of systems to Licensee, and which is located in the
          United States. The initial Installation Site address(es) is/are listed
          in Section 2 of Exhibit A. Licensee may update the list of
          Installation Sites from time to time upon thirty (30) days prior
          written notice to RMSS.

<PAGE>

     1.7  "LICENSEE SERVER SOFTWARE" shall mean those client-server based
          applications developed by RMSS that are set forth in Section 1.1 of
          Exhibit A hereto necessary to use of the RMSS Software.

     1.8  "MODIFICATION" shall mean any customization, enhancement, modification
          or change made to the RMSS Software authored by or for RMSS under this
          Agreement.

     1.9  "PC SOFTWARE" shall mean those personal computer-based applications
          developed by RMSS that are set forth in Section 1.2 of Exhibit A.

     1.10 "PROPRIETARY INFORMATION" shall mean all information disclosed by or
          for Licensee or RMSS to the other during the negotiations hereof
          and/or learned by reason of the relationship established hereunder or
          pursuant hereto, including, without limitation, the RMSS Software,
          Documentation, Releases, Modifications and all information, data and
          designs related thereto. Information relating to each party's
          business, plans, affiliates or customers shall also be deemed
          "Proprietary Information" for purposes of the Agreement. "Proprietary
          Information" shall also include all "non-public personal information"
          as defined in Title V of the Gramm-Leach-Bliley Act (15 U.S.C. Section
          6801, et seq.) and the implementing regulations thereunder
          (collectively, the "GLB Act"), as the same may be amended from time to
          time, that RMSS receives from or at the direction of Licensee and that
          concerns any of Licensee's "customers" and/or "consumers" (as defined
          in the GLB Act).

     1.11 "RELEASE" shall mean new versions, corrections, revisions, updates,
          modifications and enhancements to the RMSS Software and related
          Documentation made available to Licensee or generally made available
          without charge to licensees of the RMSS Software not purchasing
          Maintenance from RMSS.

     1.12 "RMSS SOFTWARE" shall mean the object code and/or Source Code of any
          program or part of a program as described in Exhibit A licensed
          hereunder to Licensee but including in all events the products known
          between the parties as OTS and OTS Gold.

     1.13 "SOURCE CODE" of RMSS Software shall mean a copy of the source code
          (or comparable high level coding) for the RMSS Software, including any
          annotations therein, certified by RMSS to Licensee, upon each
          prospective delivery to Licensee (if any), as a complete and accurate
          copy of source code corresponding to the RMSS Software as last
          delivered or otherwise made available in object code by RMSS (whether
          in pieces or in an integrated whole).

     1.14 "SUBSIDIARY" shall mean any majority-owned or otherwise controlled,
          direct or indirect subsidiary.

                                       2

<PAGE>

2.   GRANT OF LICENSE.

     2.1  GRANT. Subject to Licensee's full payment, as due, of fees listed in
          Exhibit B, RMSS hereby grants to Licensee, and Licensee accepts from
          RMSS, a world-wide nonexclusive, "AS IS", perpetual, irrevocable right
          and license (except as otherwise provided for herein) to use,
          reproduce, modify, and create derivative works of the RMSS Software
          and Documentation at the Installation Site(s), subject to the
          restrictions and obligations set forth herein.

     2.2  DELIVERY. Licensee acknowledges and agrees that it has received, prior
          to the Effective Date, delivery of the RMSS Software in Source Code
          form and the Documentation.

3.   SOFTWARE USE RESTRICTIONS.

     3.1  RESTRICTIONS ON RMSS SOFTWARE.

          (a)  Licensee may not use the RMSS Software in a service bureau or in
               a time share arrangement.

          (b)  Licensee may not sell, lease, assign, transfer, distribute or
               sublicense the RMSS Software or Documentation, to any party that
               is not a (direct or indirect) Subsidiary of Licensee. Licensee
               may not sell, lease, assign, transfer, distribute or sublicense
               the Source Code to any person or entity at any time, except that
               Licensee may sublicense the Source Code to a Subsidiary of
               Fidelity National Information Services, Inc., a Delaware
               corporation ("FNIS"), as necessary to exercise Licensees rights
               to modify and create derivative works of the RMSS Software and
               Documentation.

          (c)  Licensee may not provide copies of, or allow use of or access to,
               the RMSS Software to any person, firm, or corporation except as
               permitted under Sections 3.1(b) above, and except as to
               Licensee's non-Competitor contractors or subcontractors who have
               executed nondisclosure terms consistent with the confidentiality
               terms herein.

     3.2  ADDITIONAL RESTRICTIONS ON PC SOFTWARE.

          (a)  Except as specifically set forth herein, all other restrictions
               on use, copying or disclosure of the RMSS Software and Licensee's
               agreement to maintain the confidentiality thereof shall apply to
               the PC Software and its Documentation.

          (b)  Licensee may not modify the PC Software (although RMSS may do so
               on Licensee's behalf as part of Assistance.)

                                       3

<PAGE>

4.   TERM; TERMINATION

     4.1  The term of license shall be perpetual subject to termination in
          accordance with the terms herein.

     4.2  Licensee may terminate the license (for either or both of OTS or OTS
          Gold) for convenience upon no less than ninety (90) Days prior written
          notice to the other.

     4.3  A license enjoyed by a Subsidiary of FNIS shall terminate without
          further formality upon such entity's ceasing to be a Subsidiary of
          FNIS. A license enjoyed by a Subsidiary of Licensee shall terminate
          without further formality upon the six month anniversary date after
          such entity's ceasing to be a Subsidiary of Licensee. Licensee shall
          cause such Subsidiary to agree to migrate its data off the RMSS
          Software and onto an alternative product during the above described
          six month period. In any event, if the Subsidiary becomes a Subsidiary
          of a Competitor, the license to the Subsidiary shall terminate
          immediately.

     4.4  In the event Licensee or a Licensee Subsidiary discloses any of the
          RMSS Software or any material part of the Documentation to a
          Competitor, then RMSS upon thirty Days prior written notice to
          Licensee, may terminate the license with respect to that portion
          relating to the RMSS Software and Documentation provided to such
          Competitor if Licensee on its own does not (or if Licensee does not
          cause its Subsidiary to) discontinue disclosure of the RMSS Software
          and Documentation to such Competitor within thirty (30) Days following
          Licensee's receipt of RMSS' written notice. Any such termination shall
          be effective upon the expiration of the cure period. The foregoing is
          intended to apply only to the remedy of termination. RMSS shall retain
          the right to pursue any other remedies in the event Licensee or its
          Subsidiary makes an unauthorized disclosure to a Competitor, including
          injunctive relief or recovery of damages, and, depending on the nature
          of the disclosure, requesting that Licensee undertake other measures
          in addition to simply discontinuing disclosure to the Competitor.

     4.5  In the event of termination of the license for any reason, Licensee
          and/or its Subsidiary, as applicable, shall promptly cease all use of
          the relevant RMSS Software, delete from its systems all copies of the
          relevant RMSS Software, and within thirty (30) Days of termination,
          return to RMSS all tangible copies of the relevant RMSS Software,
          together with certification that is has ceased such use, deleted such
          copies and returned such tangible copies as required hereunder.

     4.6  Each party acknowledges and agrees that, in the event of Licensee's
          breach or threatened breach or any provision of Sections 3, 4.3, 4.4,
          4.5 or 6, RMSS shall have no adequate remedy in damages and
          notwithstanding the dispute resolution provisions in Section 10
          hereof, is entitled to seek an injunction to prevent such breach or
          threatened breach; provided, however, no specification of a particular
          legal or equitable remedy is to be construed as a waiver, prohibition,
          or limitation of any legal or equitable remedies in the event of a
          breach hereof.

                                       4

<PAGE>

5.   INTELLECTUAL PROPERTY RIGHTS.

     5.1  OWNERSHIP OF RMSS SOFTWARE AND DOCUMENTATION. From the date the RMSS
          Software and Documentation is (and was) first disclosed to Licensee,
          and at all times thereafter, as between the parties, RMSS and its
          licensors shall be the sole and exclusive owners of all right, title,
          and interest in and to the RMSS Software, Documentation and all
          Modifications, including, without limitation, all intellectual
          property and other rights related thereto. The parties acknowledge
          that this Agreement in no way limits or restricts RMSS and the RMSS
          Subsidiaries from developing or marketing on their own or for any
          third party, in the United States or any other country, the RMSS
          Software, Documentation or Modifications, or any similar software
          (including, but not limited to, any modification, enhancement,
          interface, upgrade, change and all software, Source Code, blueprints,
          diagrams, flow charts, specifications, functional descriptions or
          training materials relating thereto) without payment of any
          compensation to Licensee, or any notice to Licensee.

     5.2  DEVELOPMENT SERVICES. Licensee may from time to time wish to augment
          the RMSS product with additional functionality or utility, or to
          integrate it with Licensee systems from other sources, and for such
          purposes may request the provision of development services, in the
          form of Assistance from RMSS.

6.   CONFIDENTIALITY.

     6.1  CONFIDENTIALITY OBLIGATION. Proprietary Information (i) shall be
          deemed the property of the disclosing party (or the party for whom
          such data was collected or processed, if any), (ii) shall be used
          solely for the purposes of administering and otherwise implementing
          the terms of this Agreement and any ancillary agreements, and (iii)
          shall be protected by the receiving party in accordance with the terms
          of this Section 6.

     6.2  NON-DISCLOSURE COVENANT. Except as set forth in this Section, neither
          party shall disclose the Proprietary Information of the other party in
          whole or in part, including derivations, to any third party. If the
          parties agree to a specific nondisclosure period for a specific
          document, the disclosing party shall mark the document with that
          nondisclosure period. In the absence of a specific period, the duty of
          confidentiality for (a) RMSS Software, Source Code and related
          Documentation shall extend in perpetuity and (b) with respect to any
          other Proprietary Information shall extend for a period of five (5)
          years from disclosure. Proprietary Information shall be held in
          confidence by the receiving party and its employees, and shall be
          disclosed to only those of the receiving party's employees and
          professional advisors who have a need for it in connection with the
          administration and implementation of this Agreement. In no event shall
          Licensee disclose RMSS Proprietary Information to a Competitor of
          RMSS. Each party shall use the same degree of care and afford the same
          protections to the Proprietary Information of the other party as it
          uses and affords to its own Proprietary Information.

                                       5

<PAGE>

     6.3  EXCEPTIONS. Proprietary Information shall not be deemed proprietary
          and, subject to the carve-out below, the receiving party shall have no
          obligation of nondisclosure with respect to any such information
          which:

          (i)  is or becomes publicly known through no wrongful act, fault or
               negligence of the receiving party;

          (ii) was disclosed to the receiving party by a third party that was
               free of obligations of confidentiality to the party providing the
               information;

          (iii) is approved for release by written authorization of the
               disclosing party;

          (iv) was known to the receiving party prior to receipt of the
               information;

          (v)  was independently developed by the receiving party without access
               to or use of the Proprietary Information of the disclosing party;
               or

          (vi) is publicly disclosed pursuant to a requirement or request of a
               governmental agency, or disclosure is required by operation of
               law.

          Notwithstanding application of any of the foregoing exceptions, in no
          event shall RMSS treat as other than Proprietary Information,
          information comprising nonpublic personal information under the GLB
          Act.

     6.4  CONFIDENTIALITY OF THIS AGREEMENT; PROTECTIVE ARRANGEMENTS.

          (a)  The parties acknowledge that this Agreement contains confidential
               information that may be considered proprietary by one or both of
               the parties, and agree to limit distribution of this Agreement to
               those employees of Licensee and RMSS with a need to know the
               contents of this Agreement or as required by law or national
               stock exchange rule. In no event may this Agreement be reproduced
               or copies shown to any third parties (except counsel, auditors
               and professional advisors) without the prior written consent of
               the other party, except as may be necessary by reason of legal,
               accounting, tax or regulatory requirements, in which event
               Licensee and RMSS agree to exercise reasonable diligence in
               limiting such disclosure to the minimum necessary under the
               particular circumstances.

          (b)  In addition, each party shall give notice to the other party of
               any demands to disclose or provide Proprietary Information of the
               other party under or pursuant to lawful process prior to
               disclosing or furnishing such Proprietary Information, and shall
               cooperate in seeking reasonable protective arrangements.

7.   CONTINUING UNDERTAKINGS.

     RMSS has no affirmative duties to Licensee hereunder with respect to the
     RMSS Software and Documentation. Licensee has elected not to contract for
     Maintenance Services relating to the Software hereunder and acknowledges
     that RMSS has no duty to offer same.

                                       6

<PAGE>

8.   INVOICING AND PAYMENTS, PAST DUE AMOUNTS, CURRENCY.

     8.1  INVOICING AND PAYMENT REQUIREMENTS. RMSS shall invoice, at each
          anniversary of the Effective Date, for the fees described in Exhibit B
          hereto as well as for any expenses and any other applicable charges
          incurred and owing hereunder. In accordance with this Section 8.1,
          Licensee shall pay RMSS the invoiced amount in full on or prior to the
          thirty (30) Days after Licensee's receipt of such invoice unless
          Licensee notifies RMSS within such period that it is in good faith
          disputing RMSS' invoice. Licensee shall make all payments to RMSS by
          check, credit card or wire transfer of immediately available funds to
          an account or accounts designated by RMSS. Payment in full shall not
          preclude later dispute of charges or adjustment of improper payments.

     8.2  PAST DUE AMOUNTS. Any amount not received or disputed by Licensee by
          the date payment is due shall be subject to interest on the overdue
          balance at a rate equal to the prime rate as published in the table
          money rates in the Wall Street Journal on the date of payment (or the
          prior date on which the Wall Street Journal was published if not
          published on the date of payment), plus one percent from the due date,
          until paid, applied to the outstanding balance from time to time. Any
          amount paid but later deemed not to have been due, will be repaid or
          credited with interest on the same terms.

     8.3  CURRENCY. All fees and charges listed and referred to in this
          Agreement are stated in and shall be paid in U.S. Dollars.

9.   ASSISTANCE.

     9.1  BASIS FOR ASSISTANCE. If Licensee desires to purchase Assistance from
          RMSS or n MSS Subsidiary, such Assistance shall be provided pursuant
          to separate agreement.

10.  DISPUTE RESOLUTION.

     10.1 DISPUTE RESOLUTION PROCEDURES. If, prior to the termination of this
          Agreement or the license granted herein, and prior to notice of
          termination given by either party to the other, a dispute arises
          between RMSS and Licensee with respect to the terms and conditions of
          this Agreement, or any subject matter governed by this Agreement
          (other than disputes regarding a party's compliance with the
          provisions of Sections 3 and/or 6), such dispute shall be settled as
          set forth in this Section 10. If either party exercises its right to
          initiate the dispute resolution procedures under this Section 10, then
          during such procedure any time periods providing for termination of
          the Agreement or curing any material breach pursuant to the terms of
          this Agreement shall be suspended automatically, except with respect
          to any termination or breach arising out of Licensee's failure to make
          any undisputed timely and complete payments to RMSS under this
          Agreement. At such time as the dispute is resolved, if such dispute
          involved the payment of monies, interest at a rate equal to the prime
          rate as published in the table money

                                       7

<PAGE>

          rates in the Wall Street Journal on the date the dispute is resolved
          (or the prior date on which the Wall Street Journal was published if
          not published on the date the dispute was resolved) plus one percent
          for the period of dispute shall be paid to the party entitled to
          receive the disputed monies to compensate for the lapsed time between
          the date such disputed amount originally was to have been paid (or was
          paid) through the date monies are paid (or repaid) in settlement of
          the dispute. Disputes arising under Sections 3 or 6 may be resolved by
          judicial recourse or in any other manner agreed by the parties.

     10.2 ESCALATION PROCEDURES.

          (a)  Each of the parties shall escalate and negotiate, in good faith,
               any claim or dispute that has not been satisfactorily resolved
               between the parties at the level where the issue is discovered
               and has immediate impact (excluding issues of title to work
               product, which shall be initially addressed at the general
               counsel level but otherwise pursuant to Section 10.2(b)
               following). To this end, each party shall escalate any and all
               unresolved disputes or claims in accordance with this Section
               10.2 at any time to persons responsible for the administration of
               the relationship reflected in this Agreement. The location,
               format, frequency, duration and conclusion of these elevated
               discussions shall be left to the discretion of the
               representatives involved. If such parties do not resolve the
               underlying dispute within ten (10) Days of its escalation to
               them, then either party may notify the other in writing that
               he/she desires to elevate the dispute or claim to the President
               of RMSS and the President of Licensee or their designated
               representative(s) for resolution.

          (b)  Upon receipt by a party of a written notice escalating the
               dispute to the company president level, the President of RMSS and
               the President of Licensee or their designated representative(s)
               shall promptly communicate with his/her counter party, negotiate
               in good faith and use reasonable efforts to resolve such dispute
               or claim. The location, format, frequency, duration and
               conclusion of these elevated discussions shall be left to the
               discretion of the representatives involved. Upon agreement, such
               representatives may utilize other alternative dispute resolution
               procedures to assist in the negotiations. If the parties have not
               resolved the dispute within ten (10) Days after receipt of the
               notice elevating the dispute to this level, either may once again
               escalate the dispute to binding arbitration.

          (c)  All discussions and correspondence among the representatives for
               purposes of these negotiations shall be treated as Proprietary
               Information developed for purposes of settlement, exempt from
               discovery and production, which shall not be admissible in any
               subsequent proceedings between the parties. Documents identified
               in or provided with such communications, which are not prepared
               for purposes of the negotiations, are not so exempted and may, if
               otherwise admissible, be admitted in evidence in such subsequent
               proceeding.

                                       8

<PAGE>

     10.3 ARBITRATION PROCEDURES. If a claim, controversy or dispute between the
          parties with respect to the terms and conditions of this Agreement, or
          any subject matter governed by this Agreement (and not otherwise
          excepted), has not been timely resolved pursuant to the foregoing
          escalation process, upon notice either party may initiate binding
          arbitration of the issue in accordance with the following procedures.

          (a)  Either party may request arbitration by giving the other party
               written notice to such effect, which notice shall describe, in
               reasonable detail, the nature of the dispute, controversy or
               claim. Such arbitration shall be governed by the then current
               version of the Commercial Arbitration Rules and Mediation
               Procedures of the American Arbitration Association. The
               Arbitration will be conducted in Jacksonville, Florida in front
               of one mutually agreed upon arbitrator.

          (b)  Each party shall bear its own fees, costs and expenses of the
               arbitration and its own legal expenses, attorneys' fees and costs
               of all experts and witnesses. Unless the award provides
               otherwise, the fees and expenses of the arbitration procedures,
               including the fees of the arbitrator or arbitrators, will be
               shared equally by the involved parties.

          (c)  Any award rendered pursuant to such arbitration shall be final,
               conclusive and binding upon the parties, and any judgment thereon
               may be entered and enforced in any court of competent
               jurisdiction.

11.  LIMITATION OF LIABILITY.

     11.1 EXCEPT TO THE EXTENT ARISING FROM GROSS NEGLIGENCE, WILLFUL
          MISCONDUCT, BY REASON OF AN INDEMNITY OBLIGATION HEREUNDER OR BY
          REASON OF A BREACH OF WARRANTY, EITHER PARTY'S LIABILITY FOR ANY CLAIM
          OR CAUSE OF ACTION WHETHER BASED IN CONTRACT, TORT OR OTHERWISE WHICH
          ARISES UNDER OR IS RELATED TO THIS AGREEMENT SHALL BE LIMITED TO THE
          OTHER PARTY'S DIRECT OUT-OF-POCKET DAMAGES, ACTUALLY INCURRED, WHICH
          UNDER NO CIRCUMSTANCES SHALL EXCEED, IN THE AGGREGATE, THE AMOUNT PAID
          BY LICENSEE TO RMSS UNDER THIS AGREEMENT FOR THE 12-MONTH PERIOD
          IMMEDIATELY PRECEDING THE DATE THE CLAIM AROSE.

     11.2 IN NO EVENT SHALL EITHER PARTY BE LIABLE FOR INDIRECT, SPECIAL,
          PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER
          OR THE CLAIMS OR DEMANDS MADE BY ANY THIRD PARTIES, WHETHER OR NOT IT
          HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

                                       9

<PAGE>

     11.3 LICENSEE SOFTWARE. RMSS has no obligation or liability, either express
          or implied, with respect to the compatibility of RMSS Software with
          any other software unless provided or specified by RMSS including, but
          not limited to, Licensee software and/or Licensee-provided third party
          software.

12.  INDEMNIFICATION.

     12.1 PROPERTY DAMAGE. Subject to Section 11 hereof, each party agrees to
          indemnify, defend and hold harmless the other and its officers,
          directors, employees, and affiliates (including, where applicable,
          each RMSS Subsidiary and Licensee affiliates), and agents from any and
          all liabilities, losses, costs, damages and expenses (including
          reasonable attorneys' fees) arising from or in connection with the
          damage, loss (including theft) or destruction of any real property or
          tangible personal property of the indemnified party resulting from the
          actions or inactions of any employee, agent or subcontractor of the
          indemnifying party insofar as such damage arises out of or is
          ancillary to fulfilling its obligations under this Agreement and to
          the extent such damage is due to any negligence, breach of statutory
          duty, omission or default of the indemnifying party, its employees,
          agents or subcontractors.

     12.2 INFRINGEMENT OF RMSS SOFTWARE. RMSS agrees to defend at its own
          expense, any claim or action brought by any third party against
          Licensee and/or against its officers, directors, and employees and
          affiliates, for actual or alleged infringement within the United
          States of any patent, copyright or other intellectual property right
          (including, but not limited to, misappropriation of trade secrets)
          based upon the RMSS Software (except to the extent such infringement
          claim is caused by a Licensee-specified Modification to the RMSS
          Software which could not have been made in a non-infringing manner) or
          caused by the combination of RMSS Software with software or hardware
          not provided, specified or approved by RMSS, or based upon the Third
          Party Software ("Indemnified RMSS Software"). Licensee, at its sole
          discretion and cost, may participate in the defense and all
          negotiations for its settlement or compromise. RMSS further agrees to
          indemnify and hold Licensee, its officers, directors, employees and
          affiliates harmless from and against any and all liabilities, losses,
          costs, damages, and expenses (including reasonable attorneys' fees)
          associated with any such claim or action incurred by Licensee. RMSS
          shall conduct and control the defense of any such claim or action and
          negotiations for its settlement or compromise, by the payment of
          money. RMSS shall give Licensee, and Licensee shall give RMSS, as
          appropriate, prompt written notice of any written threat, warning or
          notice of any such claim or action against RMSS or Licensee, as
          appropriate, or any other user or any supplier of components of the
          Indemnified RMSS Software, which could have an adverse impact on
          Licensee's use of same, provided RMSS or Licensee, as appropriate,
          knows of such claim or action. If in any such suit so defended, all or
          any part of the Indemnified RMSS Software (or any component thereof)
          is held to constitute an infringement or violation of any other
          party's intellectual property rights and is enjoined, RMSS shall at
          its sole option take one or more of the following actions at no
          additional cost to Licensee: (i) procure the right to

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<PAGE>

          continue the use of the same without material interruption for
          Licensee; (ii) replace the same with non-infringing software; (iii)
          modify said Indemnified RMSS Software so as to be non-infringing; or
          (iv) take back the infringing Indemnified RMSS Software and credit
          Licensee with an amount equal to its prepaid but unused license fees
          hereunder. The foregoing represents the sole and exclusive remedy of
          Licensee for infringement or alleged infringement.

     12.3 DISPUTE RESOLUTION. The provisions of Section 12 shall apply with
          respect to the submission of any claim for indemnification under this
          Agreement and the resolution of any disputes relating to such claim.

13.  FORCE MAJEURE, TIME OF PERFORMANCE AND INCREASED COSTS.

     13.1 FORCE MAJEURE.

          (a)  Neither party shall be held liable for any delay or failure in
               performance of its obligations under this Agreement from any
               cause which with the observation of reasonable care, could not
               have been avoided - which may include, without limitation, acts
               of civil or military authority, government regulations,
               government agencies, epidemics, war, terrorist acts, riots,
               insurrections, fires, explosions, earthquakes, nuclear accidents,
               floods, power blackouts affecting facilities (the "Affected
               Performance").

          (b)  Upon the occurrence of a condition described in Section 13.1(a),
               the party whose performance is affected shall give written notice
               to the other party describing the Affected Performance, and the
               parties shall promptly confer, in good faith, to agree upon
               equitable, reasonable action to minimize the impact on both
               parties of such condition, including, without limitation,
               implementing disaster recovery procedures. The parties agree that
               the party whose performance is affected shall use commercially
               reasonable efforts to minimize the delay caused by the force
               majeure events and recommence the Affected Performance. If the
               delay caused by the force majeure event lasts for more than
               fifteen (15) Days, the parties shall negotiate an equitable
               amendment to this Agreement with respect to the Affected
               Performance. If the parties are unable to agree upon an equitable
               amendment within ten (10) Days after such fifteen (15)-Day period
               has expired, then either party shall be entitled to serve thirty
               (30) Days' notice of termination on the other party with respect
               to only such Affected Performance. The remaining portion of the
               Agreement that does not involve the Affected Performance shall
               continue in full force and effect. RMSS shall be entitled to be
               paid for that portion of the Affected Performance which it
               completed through the termination date.

     13.2 TIME OF PERFORMANCE AND INCREASED COSTS. RMSS's time of performance
          under this Agreement shall be adjusted, if and to the extent
          reasonably necessary, in the event and to the extent that (i) Licensee
          fails to timely submit material data or materials in the prescribed
          form or in accordance with the requirements of this

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<PAGE>

          Agreement, (ii) Licensee fails to perform on a timely basis, the
          material functions or other responsibilities of Licensee described in
          this Agreement, (iii) Licensee or any governmental agency authorized
          to regulate or supervise Licensee makes any special request, which is
          affirmed by Licensee and/or compulsory on RMSS, which affects RMSS's
          normal performance schedule, or (iv) Licensee has modified the RMSS
          Software in a manner affecting RMSS's burden. In addition, if any of
          the above events occur, and such event results in an increased cost to
          RMSS, RMSS shall estimate such increased costs in writing in advance
          and, upon Licensee's approval, Licensee shall be required to pay any
          and all such reasonable, increased costs to RMSS upon documented
          expenditure, up to 110% of the estimate.

14.  NOTICES.

     14.1 NOTICES. Except as otherwise provided under this Agreement or in the
          Exhibits, all notices, demands or requests or other communications
          required or permitted to be given or delivered under this Agreement
          shall be in writing and shall be deemed to have been duly given when
          received by the designated recipient. Written notice may be delivered
          in person or sent via reputable air courier service and addressed as
          set forth below:

          If to Licensee: Fidelity National Tax Service, Inc.
                          17911 Von Karman Avenue, Suite 300
                          Irvine, CA 92614
                          Attn: President

          with a copy to: Fidelity National Information Services, Inc.
                          601 Riverside Avenue
                          Jacksonville, FL 32204
                          Attn: General Counsel

          If to RMSS:     Rocky Mountain Support Services, Inc.
                          601 Riverside Avenue
                          Jacksonville, FL 32204
                          Attn: President

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

     14.2 CHANGE OF ADDRESS. The address to which such notices, demands,
          requests, elections or other communications are to be given by either
          party may be changed by written notice given by such party to the
          other party pursuant to this Section.

                                       12

<PAGE>

15.  WARRANTIES.

     15.1 PERFORMANCE OF OBLIGATIONS. Each party represents and warrants to the
          other that it shall perform its respective obligations under this
          Agreement in a professional and workmanlike manner.

     15.2 COMPLIANCE WITH LAW. RMSS warrants that (i) it has the power and
          corporate authority to enter into and perform this Agreement, (ii) its
          performance of this Agreement does not and will not violate any
          governmental law, regulation, rule or order, contract, charter or
          by-law; (iii) it has sufficient right, title and interest (or another
          Subsidiary of Fidelity National Financial, Inc. has or will grant it
          sufficient license rights) in the RMSS Software to grant the licenses
          herein granted, (iv) it has received no written notice of any third
          party claim or threat of a claim alleging that any part of the RMSS
          Software infringes the rights of any third party in any of the United
          States, and (v) each item of RMSS Software provided by or for RMSS to
          Licensee shall be delivered free of undisclosed trapdoors, Trojan
          horses, time bombs, time outs, spyware, viruses or other code which,
          with the passage of time, in the absence of action or upon a trigger,
          would interfere with the normal use of, or access to, any file, datum
          or system.

     15.3 EXCLUSIVE WARRANTIES. EXCEPT AS PROVIDED IN THIS AGREEMENT, NEITHER
          PARTY MAKES ANY REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS,
          IMPLIED OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE IMPLIED
          WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE,
          AND EACH PARTY AGREES THAT ALL REPRESENTATIONS AND WARRANTIES THAT ARE
          NOT EXPRESSLY PROVIDED IN THIS AGREEMENT ARE HEREBY EXCLUDED AND
          DISCLAIMED.

16.  MISCELLANEOUS.

     16.1 ASSIGNMENT. Except as set forth herein, neither party may sell,
          assign, convey, or transfer the licenses granted hereunder or any of
          such party's rights or interests, or delegate any of its obligations
          hereunder without the written consent of the other party. Any such
          consent shall be conditioned upon the understanding that this
          Agreement shall be binding upon the assigning party's successors and
          assigns. Either party may assign this Agreement to any Subsidiary that
          is not a Competitor except that the assigning party shall remain
          responsible for all obligations under this Agreement including the
          payment of fees. Notwithstanding anything contained herein to the
          contrary, Licensee may not assign this Agreement to a Competitor.

     16.2 SEVERABILITY. Provided Licensee retains quiet enjoyment of the RMSS
          Software, if any one or more of the provisions contained herein shall
          for any reason be held to be unenforceable in any respect under law,
          such unenforceability shall not affect any other provision of this
          Agreement, but this Agreement shall be construed as if such
          unenforceable provision or provisions had never been

                                       13

<PAGE>

          contained herein, provided that the removal of such offending term or
          provision does not materially alter the burdens or benefits of either
          of the parties under this Agreement or any Exhibit or Schedule, in
          which case the unenforceable portion shall be replaced by one that
          reflects the parties original intent as closely as possible while
          remaining enforceable.

     16.3 THIRD PARTY BENEFICIARIES. Except as set forth herein, the provisions
          of this Agreement are for the benefit of the parties and not for any
          other person. Should any third party institute proceedings, this
          Agreement shall not provide any such person with any remedy, claim,
          liability, reimbursement, cause of action, or other right.

     16.4 GOVERNING LAW; FORUM SELECTION; CONSENT OF JURISDICTION. This
          Agreement will be governed by and construed under the laws of the
          State of Florida, USA, without regard to principles of conflict of
          laws. The parties agree that the only circumstance in which disputes
          between them, not otherwise excepted from the resolution process
          described in Section 10, will not be subject to the provisions of
          Section 10 is where a party makes a good faith determination that a
          breach of the terms of this Agreement by the other party requires
          prompt and equitable relief. Each of the parties submits to the
          personal jurisdiction of any state or federal court sitting in
          Jacksonville, Florida with respect to such judicial proceedings. Each
          of the parties waives any defense of inconvenient forum to the
          maintenance of any action or proceeding so brought and waives any
          bond, surety or to other security that might be required of any party
          with respect thereto. Any party may make service on the other party by
          sending or delivering a copy of the process to the party to be served
          at the address set forth in Section 14 above. Nothing in this Section,
          however, shall affect the right of any party to serve legal process in
          any other manner permitted by law or in equity. Each party agrees that
          a final judgment in any action or proceeding so brought shall be
          conclusive and may be enforced by suit on the judgment or in any other
          manner provided by law or in equity.

     16.5 EXECUTED IN COUNTERPARTS. This Agreement may be executed in
          counterparts, each of which shall be an original, but such
          counterparts shall together constitute but one and the same document.

     16.6 CONSTRUCTION. The headings and numbering of sections in this Agreement
          are for convenience only and shall not be construed to define or limit
          any of the terms or affect the scope, meaning or interpretation of
          this Agreement or the particular section to which they relate. This
          Agreement and the provisions contained herein shall not be construed
          or interpreted for or against any party because that party drafted or
          caused its legal representative to draft any of its provisions.

     16.7 ENTIRE AGREEMENT. This Agreement, including the Exhibits and Schedules
          attached hereto and the agreements referenced herein constitute the
          entire agreement between the parties, and supersedes all prior oral or
          written

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<PAGE>

          agreements, representations, statements, negotiations, understandings,
          proposals, marketing brochures, correspondence and undertakings
          related thereto.

     16.8 AMENDMENTS AND WAIVERS. This Agreement may be amended only by written
          agreement signed by duly authorized representatives of each party. No
          waiver of any provisions of this Agreement and no consent to any
          default under this Agreement shall be effective unless the same shall
          be in writing and signed by or on behalf of both parties. No course of
          dealing or failure of any party to strictly enforce any term, right or
          condition of this Agreement shall be construed as a waiver of such
          term, right or condition. Waiver by either party of any default by the
          other party shall not be deemed a waiver of any other default.
          Notwithstanding the foregoing, at any time prior to the Sale of FNIS
          (defined below) or any offering and sale to the public of any shares
          or equity securities of FNIS or any of its subsidiaries pursuant to a
          registration statement in the United States, this Agreement may not be
          amended without the prior written consent of Thomas H. Lee Equity Fund
          V, L.P. ("THL") and TPG Partners III, L.P. ("TPG") if such amendment
          would affect any of Sections 2.1, 3, 8, 12, 13.2, 16.10, Exhibit B,
          either party's limitation of liability, the term of the Agreement,
          RMSS' right to terminate or rights upon default by Licensee or a
          Licensee Subsidiary, in any manner materially adverse to the
          consolidated business activities of the FNIS Group (defined below),
          taken as a whole, or FNIS Group's costs of doing business, viewed on a
          consolidated basis, provided that in no event shall any change to the
          schedules hereto require such prior written consent unless such change
          would materially and adversely affect in any manner FNIS Group's
          consolidated business activities, taken as a whole, or FNIS Group's
          costs of doing business, viewed on a consolidated basis, and provided,
          further, that in no event shall the amendment provisions set forth in
          this Section 16.8 be amended or modified without the consent of THL
          and TPG. THL and TPG are intended third party beneficiaries of this
          Agreement solely with respect to this Section 16.8. "Sale of FNIS"
          means an acquisition by any Person (within the meaning of Section
          3(a)(9) of the Securities and Exchange Act of 1934, as amended (the
          "Exchange Act") and used in Sections 13(d) and 14(d) thereof
          ("Person")) of Beneficial Ownership (within the meaning of Rule 13d-3
          under the Exchange Act) of 50% or more of either the then outstanding
          shares of FNIS common stock or the combined voting power of the then
          outstanding voting securities of FNIS entitled to vote generally in
          the election of directors; excluding, however, the following: (i) any
          acquisition directly from FNIS, other than an acquisition by virtue of
          the exercise of a conversion privilege unless the security being so
          converted was itself acquired directly from FNIS or (ii) any
          acquisition by any employee benefit plan (or related trust) sponsored
          or maintained by FNIS or a member of the FNIS Group. "FNIS Group"
          means FNIS, Subsidiaries of FNIS,, and each Person that FNIS directly
          or indirectly controls (within the meaning of the Securities Act)
          immediately after the Effective Date, and each other individual, a
          partnership, corporation, limited liability company, association,
          joint stock company, trust, joint venture, unincorporated
          organization, governmental entity or department, agency, or political
          subdivision thereof that becomes an Affiliate of FNIS after the
          Effective Date.

                                       15

<PAGE>

     16.9 REMEDIES CUMULATIVE. Unless otherwise provided for under this
          Agreement, all rights of termination or cancellation, or other
          remedies set forth in this Agreement, are cumulative and are not
          intended to be exclusive of other remedies to which the injured party
          may be entitled by law or equity in case of any breach or threatened
          breach by the other party of any provision in this Agreement. Use of
          one or more remedies shall not bar use of any other remedy for the
          purpose of enforcing any provision of this Agreement.

     16.10 TAXES. All charges and fees to be paid under this Agreement are
          exclusive of any applicable sales, use, service or similar tax which
          may be assessed currently or in the future on the RMSS Software or
          related services provided under this Agreement. If a sales, use,
          services or a similar tax is assessed on the RMSS Software or related
          services provided to Licensee under this Agreement, Licensee will pay
          directly, reimburse or indemnify RMSS for such taxes as well as any
          applicable interest and penalties. Licensee shall pay such taxes in
          addition to the sums otherwise due under this Agreement. RMSS shall,
          to the extent it is aware of taxes, itemize them on a proper VAT, GST
          or other invoice submitted pursuant to this Agreement. All property,
          employment and income taxes based on the assets, employees and net
          income, respectively, of RMSS shall be RMSS's sole responsibility. The
          parties will cooperate with each other in determining the extent to
          which any tax is due and owing under the circumstances and shall
          provide and make available to each other any withholding certificates,
          information regarding the location of use of the RMSS Software or
          provision of the services or sale and any other exemption certificates
          or information reasonably requested by either party.

     16.11 PRESS RELEASES. The parties shall consult with each other in
          preparing any press release, public announcement, news media response
          or other form of release of information concerning this Agreement or
          the transactions contemplated hereby that is intended to provide such
          information to the news media or the public (a "Press Release").
          Neither party shall issue or cause the publication of any such Press
          Release without the prior written consent of the other party; except
          that nothing herein will prohibit either party from issuing or causing
          publication of any such Press Release to the extent that such action
          is required by applicable law or the rules of any national stock
          exchange applicable to such party or its affiliates, in which case the
          party wishing to make such disclosure will, if practicable under the
          circumstances, notify the other party of the proposed time of issuance
          of such Press Release and consult with and allow the other party
          reasonable time to comment on such Press Release in advance of its
          issuance.

                                       16

<PAGE>

IN WITNESS WHEREOF, the parties have executed this Agreement as of the Effective
Date by their duly authorized representatives.

FIDELITY NATIONAL TAX SERVICE, INC.     ROCKY MOUNTAIN SUPPORT SERVICES, INC.

By: /s/ Michael L. Gravelle             By: /s/ Peter T. Sadowski
    ---------------------------------       ------------------------------------
Name: Michael L. Gravelle               Name: Peter T. Sadowski
Title: Senior Vice President            Title: Vice President

                                       17

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