Document:

<PAGE>

                                                                    EXHIBIT 10.4

                           AGREEMENT REGARDING LEASES

          THIS AGREEMENT REGARDING LEASES (this "Agreement") is made and entered
into as of the 30th day of June, 2001, by and between EQUIFAX INC., a Georgia
corporation ("Equifax"), and CERTEGY PAYMENT SERVICES, INC. (f/k/a Equifax
Payment Services, Inc.), a Delaware corporation ("Certegy Payment Services").

                                   WITNESSETH:

          WHEREAS, Certegy Payment Services is currently a wholly-owned
subsidiary of Equifax;

          WHEREAS, Equifax presently intends to transfer and assign to Certegy
Inc., a Georgia corporation ("Certegy"), as a contribution to the capital of
Certegy, the capital stock of Certegy Payment Services and certain related
assets (the "Spin Transaction"); and

          WHEREAS, each of Certegy Payment Services and its subsidiaries
(collectively, the "Certegy Payment Services Group"; the persons and entities
composing the Certegy Payment Services Group are herein referred to as "Certegy
Payment Services Group Companies") and Equifax and its subsidiaries other than
those that compose the Certegy Payment Services Group Companies (collectively,
the "Equifax Group""; the persons and entities composing the Equifax Group are
herein referred to as "Equifax Group Companies") have entered into certain Lease
Agreements and Lease Guarantees, and the parties hereto desire to agree upon
certain matters with respect to such Lease Agreements and Lease Guarantees in
connection with the Spin Transaction, as set forth in this Agreement.

          NOW, THEREFORE, for and in consideration of the sum of Ten and No/100
Dollars ($10.00), the foregoing premises and the respective undertakings of the
parties, and other good and valuable consideration, the receipt and sufficiency
of which are hereby acknowledged, Equifax and Certegy Payment Services hereby
agree as follows:

          1. Certegy Payment Services Group Leases; Equifax Guarantees.

               (a) Certegy Payment Services Group Leases. Certain Certegy
Payment Services Group Companies are currently the "tenants" or "lessees" under
those certain Lease Agreements identified on Exhibit "A" attached hereto and
incorporated herein (the "Certegy Payment Services Group Leases"), and such
Certegy Payment Services Group Companies will continue to be the "tenants" or
"lessees" under their Lease Agreements immediately after the consummation of the
Spin Transaction. The parties intend that the Spin Transaction shall not
constitute an assignment or other transfer under any of the Certegy Payment
Services Group Leases that would require the consent of the "landlord" or
"lessor" thereunder, but, in the event the Spin Transaction is deemed to be such
an assignment or other transfer under any of the Certegy Payment Services Group
Leases, then Equifax and Certegy Payment Services hereby agree to reasonably
cooperate with each other in obtaining any such required consent of the
"landlord" or "lessor" thereunder. Certegy Payment Services shall, and hereby
agrees to,

<PAGE>

indemnify, defend and hold Equifax harmless from, against and in respect of any
actions, causes of action, suits, claims, demands, judgments, or proceedings
asserted against, imposed upon or suffered or incurred by Equifax, and from,
against and in respect of any liabilities, damages, losses, costs, expenses
(including counsel fees and expenses and disbursements of counsel), amounts of
judgment, assessments, fines or penalties, and amounts paid in compromise or
settlement, asserted against, imposed upon or suffered or incurred by Equifax,
in connection with or arising out of or by reason of any one or more of the
Certegy Payment Services Group Leases in connection with the Spin Transaction or
otherwise.

          (b) Equifax Guarantees. Equifax has entered into lease guarantees (the
"Equifax Guarantees") with respect to the duties, obligations, liabilities, and
responsibilities of the "tenant" or "lessee" under certain of the Certegy
Payment Services Group Leases, as identified on Exhibit "B" attached hereto and
incorporated herein. Certegy Payment Services shall, and hereby agrees to,
indemnify, defend and hold Equifax harmless from, against and in respect of any
actions, causes of action, suits, claims, demands, judgments, or proceedings
asserted against, imposed upon or suffered or incurred by Equifax, and from,
against and in respect of any liabilities, damages, losses, costs, expenses
(including counsel fees and expenses and disbursements of counsel), amounts of
judgment, assessments, fines or penalties, and amounts paid in compromise or
settlement, asserted against, imposed upon or suffered or incurred by Equifax in
connection with or arising out of or by reason of any one or more of the Equifax
Guarantees. Without limiting any of the rights or remedies of Equifax under the
Distribution Agreement (as hereinafter defined) or otherwise, Equifax shall be
subrogated to the right, title, and interest of the "landlord" or "lessor" under
each of the Equifax Guarantees and all rights or remedies of the "landlord" or
"lessor" thereunder to the extent Equifax is required to honor any such Equifax
Guarantees and to the extent permitted under the terms of the applicable Certegy
Payment Services Group Lease.

          2. Equifax Group Leases; Subletting; Assignment.

          (a) Equifax Group Leases. Certain Equifax Group Companies are
currently the "tenants" or "lessees" under those certain Lease Agreements
identified on Exhibit "C" attached hereto and incorporated herein (the "Equifax
Group Leases"), and all or a portion of the premises under each of such Equifax
Group Leases are currently occupied by one or more Certegy Payment Services
Group Companies. The parties desire that portions of the premises under certain
Equifax Group Leases be sublet, and that certain of the Equifax Group Leases be
assigned, to the Certegy Payment Services Group Company currently occupying all
or a portion of the premises thereunder, as set forth in subparagraphs (b) and
(c), below.

          (b) Subletting. Certegy Payment Services Group Companies currently
occupy all or a portion of the premises under each of the Equifax Group Leases
identified as "to be sublet" on Exhibit "C" hereto, which occupied portion of
each such premises is more particularly described on said Exhibit "C". Each of
the Equifax Group Companies that is the "tenant" or "lessee" under each such
Equifax Group Lease (each as a "Sublandlord" hereunder) does hereby sublease to
the Certegy Payment Services Company identified on said Exhibit "C" as the
"Subtenant" with respect to such Equifax Group Lease, and each such Subtenant
does hereby sublease from its respective Sublandlord, for the term and on the
terms and conditions

                                        2

<PAGE>

hereinafter provided in Exhibit "D" attached hereto and incorporated herein,
such portion of the premises under such Equifax Group Lease as is more
particularly described in said Exhibit "C", and herein referred to, as the
"Sublet Premises". For purposes of Exhibit "D" and this Agreement, and with
respect to each such Equifax Group Lease, the term "Total Premises" means the
entire "premises" under such Equifax Group Lease. In the event any such
subletting requires the consent of the "landlord" or "lessor" under the
applicable Equifax Group Lease, then the respective Sublandlord and Subtenant
hereby agree to reasonably cooperate with each other in obtaining any such
required consent. All statements, covenants, agreements, representations and
warranties, if any, made herein (including, without limitation, in Exhibit "D"
hereto) by each Sublandlord shall be deemed to be made by such party only with
respect to itself or to the Equifax Group Lease or Sublet Premises of such
party, as the case may be, and shall not be deemed to be made by such party with
respect to any other Sublandlord or to any other Equifax Group Lease or Sublet
Premises, and each Sublandlord shall have liability and responsibility under
this Agreement with respect to such subletting only in respect of the Sublet
Premises of that Sublandlord and shall have no liability or responsibility in
respect of any other Sublet Premises.

          (c) Assignment. Certegy Payment Services Group Companies currently
occupy all or a portion of the premises under each of the Equifax Group Leases
identified as "to be assigned" on Exhibit "C" hereto. Each of the Equifax Group
Companies that is the "tenant" or "lessee" under each such Equifax Group Lease
(each as an "Assignor" hereunder) does hereby assign all of its right, title,
and interest in and to its respective Equifax Group Lease to the Certegy Payment
Services Company identified on said Exhibit "C" as the "Assignee" with respect
to such Equifax Group Lease, and each such Assignee does hereby assume all of
the obligations, duties, responsibilities, and liabilities of the "tenant" or
"lessee" under such Equifax Group Lease with respect to periods of time from and
after the date of this Agreement, pursuant to and in accordance with the terms
and conditions hereinafter provided in Exhibit "E" attached hereto and
incorporated herein. In the event any such assignment requires the consent of
the "landlord" or "lessor" under the applicable Equifax Group Lease, then the
respective Assignor and Assignee hereby agree to reasonably cooperate with each
other in obtaining any such required consent. All statements, covenants,
agreements, representations and warranties, if any, made herein (including,
without limitation, in Exhibit "E" hereto) by each Assignor shall be deemed to
be made by such party only with respect to itself or to the Equifax Group Lease
of such party, as the case may be, and shall not be deemed to be made by such
party with respect to any other Assignor or to any other Equifax Group Lease,
and each Assignor shall have liability and responsibility under this Agreement
with respect to such assignment only in respect of the Equifax Group Lease of
that Assignor and shall have no liability or responsibility in respect of any
other Equifax Group Lease.

          3. Distribution Agreement.

          (a) Compliance. Certegy Payment Services shall comply with, abide by
and perform all of the terms, covenants, conditions, agreements, requirements,
restrictions and provisions of Section 2.08 of the Distribution Agreement (as
hereinafter defined) as to the Certegy Payment Services Group Leases and the
Equifax Guarantees and with respect to each Sublet Premises and the subleasing
and assignments set forth in this Agreement. The term

                                        3

<PAGE>

"Distribution Agreement" means that certain Distribution Agreement dated as of
the date of this Agreement executed by and between Equifax and Certegy in
connection with the Spin Transaction.

          (b) Dispute Resolution. Any disputes arising under this Agreement, and
any liability of either party with respect to the attorneys' fees or costs
incurred by the other party with respect to such dispute, shall be resolved in
accordance with Section 15.10 of the Distribution Agreement in the same manner
and with the same effect as if said Section were set forth in full and at length
herein and as if Certegy Payment Services and each Sublandlord and Assignee
hereunder were the parties thereto other than Equifax, and as if Equifax and
each Sublandlord and Assignor hereunder were the parties thereto other than
Certegy, and said Section is hereby incorporated herein.

          4. Further Assurances. From time to time after the date hereof, each
of Equifax and Certegy Payment Services, and any Sublandlord, Subtenant,
Assignor, and Assignee, shall, upon written request, do all such additional and
further acts, and shall execute and deliver all such additional and further
assignments, subleases, and other instruments and documents, as any other party
hereto may reasonably require to effectuate the terms and conditions of this
Agreement.

          5. General Provisions.

          (a) Notices. Whenever any notice, demand or request is required or
permitted to be given by one party hereto to the other party under this
Agreement, such notice, demand or request shall be in writing and shall be
delivered by hand, be sent by registered or certified mail, postage prepaid,
return receipt requested, or be sent by nationally recognized commercial courier
for next business day delivery, to the addresses set forth below such party's
respective execution hereof, or to such other addresses as are specified by
written notice given in accordance herewith. All notices, demands or requests
delivered by hand shall be deemed given upon the date so delivered; those given
by mailing as hereinabove provided shall be deemed given on the date of deposit
in the United States Mail; and those given by commercial courier as hereinabove
provided shall be deemed given on the date of deposit with the commercial
courier. Nonetheless, the time period, if any, in which a response to any
notice, demand or request must be given shall commence to run from the date of
receipt of the notice, demand or request by the addressee thereof. Any notice,
demand or request not received because of changed address of which no notice was
given as hereinabove provided or because of refusal to accept delivery shall be
deemed received by the party to whom addressed on the date of hand delivery, on
the first business day after deposit with commercial courier, or on the third
business day following deposit in the United States Mail, as the case may be.

          (b) Headings. The use of headings, captions and numbers in this
Agreement is solely for the convenience of identifying and indexing the various
provisions in this Agreement and shall in no event be considered otherwise in
construing or interpreting any provision in this Agreement.

                                        4

<PAGE>

          (c) Exhibits. Each and every exhibit referred to or otherwise
mentioned in this Agreement is attached to this Agreement and is and shall be
construed to be made a part of this Agreement by such reference or other mention
at each point at which such reference or other mention occurs, in the same
manner and with the same effect as if each exhibit were set forth in full and at
length every time it is referred to or otherwise mentioned.

          (d) Defined Terms. Capitalized terms used in this Agreement shall have
the meanings ascribed to them at the point where first defined, irrespective of
where their use occurs, with the same effect as if the definitions of such terms
were set forth in full and at length every time such terms are used.

          (e) Pronouns. Wherever appropriate in this Agreement, personal
pronouns shall be deemed to include the other genders and the singular to
include the plural.

          (f) Severability. If any term, covenant, condition or provision of
this Agreement, or the application thereof to any person or circumstance, shall
ever be held to be invalid or unenforceable, then in each such event the
remainder of this Agreement or the application of such term, covenant, condition
or provision to any other person or any other circumstance (other than those as
to which it shall be invalid or unenforceable) shall not be thereby affected,
and each term, covenant, condition and provision hereof shall remain valid and
enforceable to the fullest extent permitted by law.

          (g) Non-Waiver. Failure by any party to complain of any action, non-
action or breach of any other party shall not constitute a waiver of any
aggrieved party's rights hereunder. Waiver by any party of any right arising
from any breach of any other party shall not constitute a waiver of any other
right arising from a subsequent breach of the same obligation or for any other
default, past, present or future.

          (h) Rights Cumulative. All rights, remedies, powers and privileges
conferred under this Agreement on the parties shall be cumulative of and in
addition to, but not restrictive of or in lieu of, those conferred by law or at
equity.

          (i) Time of Essence. Time is of the essence of this Agreement.

          (j) Applicable Law. This Agreement shall be governed by, construed
under and interpreted and enforced in accordance with the laws of the State of
Georgia.

          (k) Entire Agreement; Modification. This Agreement supersedes all
prior discussions and agreements between Equifax and Certegy Payment Services,
and any Sublandlord. Subtenant, Assignor, or Assignee, with respect to the
Certegy Payment Services Group Leases, the Equifax Group Leases, the Equifax
Guarantees, the subletting and assigning hereunder and other matters expressly
set forth herein, and this Agreement contains the sole and entire understanding
between Equifax and Certegy Payment Services, and the Sublandlords, Subtenants,
Assignors, and Assignees, with respect thereto. This Agreement shall not be
modified or amended except by an instrument in writing executed by or on behalf
of Equifax and

                                        5

<PAGE>

Certegy Payment Services; provided, however, that if any such modification or
amendment affects any subletting described in Section 2(b), above, or any
assignment described in Section 2(c), then the Sublandlord and Subtenant or the
Assignor and Assignee, as the case may be, shall also be a party to such
modification or amendment instrument.

          (l) Counterparts. This Agreement may be executed in several
counterparts, each of which shall be deemed an original, and all of such
counterparts together shall constitute one and the same instrument.

          (m) Authority. Each party hereto warrants and represents that such
party has full and complete authority to enter into this Agreement and each
person executing this Agreement on behalf of a party warrants and represents
that he has been fully authorized to execute this Agreement on behalf of such
party and that such party is bound by the signature of such representative.

          (n) No Construction Against Preparer. No provision of this Agreement
shall be construed against or interpreted to the disadvantage of any party by
any court or other governmental or judicial authority by reason of such party's
having or being deemed to have prepared or imposed such provision.

          (o) Successors and Assigns. This Agreement shall bind and benefit the
successors and assigns of the parties with the same effect as if mentioned in
each instance where a party hereto is named or referred to.

                                        6

<PAGE>

          IN WITNESS WHEREOF, Equifax and Certegy Payment Services have caused
their duly authorized representatives to execute, seal and deliver this
Agreement Regarding Leases, all as of the day and year first written above.

                                        EQUIFAX:

                                        Equifax Inc., a Georgia corporation

Date executed: June 30, 2001            By: /s/ Kent E. Mast
                                            ------------------------------------
                                            Name: Kent E. Mast
                                            Title: Corporate Vice President,
                                                   General Counsel and Secretary

                                                   [CORPORATE SEAL]

                                        Initial Address for Notices:

                                        Equifax Inc.
                                        1550 Peachtree Street
                                        Atlanta, Georgia 30309
                                        Attn: Phillip J. Mazzilli, CFO

                                        with a copy to:

                                        Equifax Inc.
                                        1550 Peachtree Street
                                        Atlanta, Georgia 30309
                                        Attn: Kent E. Mast, General Counsel

                                        7

<PAGE>

                                        CERTEGY PAYMENT SERVICES:

                                        Certegy Payment Services, Inc.,
                                        a Delaware corporation

Date executed: June 30, 2001            By: /s/ Bruce S. Richards
                                            ------------------------------------
                                            Name: Bruce S. Richards
                                            Title: Corporate Vice President,
                                                   General Counsel and Secretary

                                                   [CORPORATE SEAL]

                                        Initial Address for Notices:

                                        Certegy Payment Services, Inc.
                                        c/o Certegy Inc.
                                        P.O. Box 349
                                        Alpharetta, Georgia 30009
                                        Attn: Michael T. Volkommer, CFO

                                        with a copy to:

                                        Certegy Payment Services, Inc.
                                        c/o Certegy Inc.
                                        11720 Amberpark Drive, Suite 600
                                        Alpharetta, Georgia 30004
                                        Attn: Bruce S. Richards, General Counsel

                                        8

<PAGE>

          Agreement and Acknowledgment of Sublandlords and Subtenants:

          Each of the following parties hereby agree to the terms and provisions
of the foregoing Agreement Regarding Leases, and is hereby made a party thereto,
solely with respect to the subleasing of the Sublet Premises with respect to
which such party is Sublandlord or Subtenant pursuant to Section 2(b) of the
foregoing Agreement Regarding Leases.

<TABLE>
<CAPTION>
SUBLANDLORDS:                                               SUBTENANTS:
-------------                                               -----------
<S>                                                         <C>
Equifax Information Services, LLC (f/k/a
Equifax Credit Information Services, Inc.)                  Certegy Inc.
</TABLE>

By: /s/ Kent E. Mast                     By: /s/ Bruce S. Richards
    -----------------------------------      -----------------------------------
    Name: Kent E. Mast                       Name: Bruce S. Richards
    Title: Corporate Vice President          Title: Corporate Vice President,
           General Counsel and                      General Counsel and
           Secretary                                Secretary
           Counsel and Secretary

            [CORPORATE SEAL]                        [CORPORATE SEAL]

Equifax Knowledge Engineering, Inc.
(f/k/a Market Knowledge, Inc.)           Certegy Inc.

By: /s/ Kent E. Mast                     By: /s/ Bruce S. Richards
    -----------------------------------      -----------------------------------
    Name: Kent E. Mast                       Name: Bruce S. Richards
    Title: Corporate Vice President,         Title: Corporate Vice President,
           General Counsel and                      General Counsel and
           Secretary                                Secretary

            [CORPORATE SEAL]                        [CORPORATE SEAL]

Initial Address for Notices for each Sublandlord

[Name of Sublandlord]
c/o Equifax Inc.
1550 Peachtree Street
Atlanta, Georgia 30309
Attn: Phillip J. Mazzilli, CFO

with a copy to:

[Name of Sublandlord]
c/o Equifax Inc.
1550 Peachtree Street
Atlanta, Georgia 30309
Attn: Kent E. Mast, General Counsel

Initial Address for Notices for each Subtenant

Certegy Inc.
P.O. Box 349
Alpharetta, Georgia  30009
Attn: Michael T. Volkommer, CFO

with a copy to:

Certegy Inc.
11720 Amberpark Drive, Suite 600
Alpharetta, Georgia 30004
Attn: Bruce S. Richards, General Counsel

                                        9

<PAGE>

            Agreement and Acknowledgment of Assignors and Assignees:

          Each of the following parties hereby agree to the terms and provisions
of the foregoing Agreement Regarding Leases, and is hereby made a party thereto,
solely with respect to the assignment of the Equifax Group Lease with respect to
which such party is Assignor or Assignee pursuant to Section 2(c) of the
foregoing Agreement Regarding Leases.

Counsel and Secretary
ASSIGNORS:                               ASSIGNEES:
----------                               ----------
Equifax Inc.                             Certegy Inc.

By: /s/ Kent E. Mast                     By: /s/ Bruce S. Richards
    -----------------------------------      -----------------------------------
    Name: Kent E. Mast                       Name: Bruce S. Richards
    Title: Corporate Vice President,         Title: Corporate Vice President,
           General Counsel and                      General Counsel and
           Secretary                                Secretary

            [CORPORATE SEAL]                        [CORPORATE SEAL]

Equifax Information Services, LLC (f/k/a
Equifax Credit Information Services, Inc.)                  Certegy Inc.

By: /s/ Kent E. Mast                     By: /s/ Bruce S. Richards
    -----------------------------------      -----------------------------------
    Name: Kent E. Mast                       Name: Bruce S. Richards
    Title: Corporate Vice President,         Title: Corporate Vice President,
           General Counsel and                      General Counsel and
           Secretary                                Secretary

            [CORPORATE SEAL]                        [CORPORATE SEAL]

Initial Address for for Notices for each Assignee:

[Name of Assignor]
c/o Equifax Inc.
1550 Peachtree Street
Atlanta, Georgia 30309
Attn: Phillip J. Mazzilli, CFO

with a copy to:

[Name of Assignor]
c/o Equifax Inc.
1550 Peachtree Street
Atlanta, Georgia 30309
Attn: Kent E. Mast, General Counsel

Initial Address for Notices for each Assignee:

Certegy Inc.
P.O. Box 349
Alpharetta, Georgia 30009
Attn: Michael T. Volkommer, CFO

with a copy to:

Certegy Inc.
11720 Amberpark Drive, Suite 600
Alpharetta, Georgia 30004
Attn: Bruce S. Richards, General Counsel

                                       10
<PAGE>

                                   EXHIBIT "A"

                SCHEDULE OF CERTEGY PAYMENT SERVICES GROUP LEASES

<TABLE>
<CAPTION>
                                                                           Premises      Expiration
          Tenant                          Premises Location               Size (RSF)        Date
--------------------------   ------------------------------------------   ----------   --------------
<S>                          <C>                                          <C>          <C>
Transax Australia PLC        570 Bourke Street, Melbourne, Australia         5,500       09/30/2003
Transax Australia PLC        97 Pirie Street, Adelaide, Australia            8,622       04/03/2002
Transax Australia PLC        56 O'Riordan Street, Sydney, Australia          1,647       12/31/2002
Certegy Ltda. (f/k/a         Av. Getulio Vargas 1300, Nova Lima, Brazil     46,482       09/30/2005
Unnisa Soluces ern Meios
de Pagamento Ltda.)
Certegy Ltda. (f/k/a         Av. Maria Coelho Auiar 215, Sao Paulo,         31,041       06/24/2002
Unnisa Soluces ern Meios     Brazil
de Pagamento Ltda.)
Transax Financial            Franklin Tower, Paris, France                   4,865       12/31/2006
Services, Ltd.
Transax PLC                  The National Bank Centre, Tower II,             6,180       12/31/2002
                             Level 16, Auckland, New Zealand
Certegy First Bankcard       The Pavilion at Lake Hearn, Atlanta,           50,063       04/30/2002
Systems, Inc. (f/k/a First   Georgia
Bankcard Systems, Inc.)
Certegy Payment              Plaza Executive Suites, Suite 6, 11               225       10/31/2001
Services, Inc. (f/k/a        Sundial Circle, Carefree, Arizona
Equifax Payment
Services, Inc.)
Certegy Payment              370 North 2200 West, Salt Lake City, Utah      24,605       06/30/2004
Services, Inc. (f/k/a
Equifax Payment
Services, Inc.)
Goldleaf Technologies        103 Commerce Street, Lake Mary, Florida         2,000       02/28/2002
Goldleaf Technologies        104 N. Church Street, Hahira, Georgia           2,500     month-to-month
Goldleaf Technologies        105 Webb Street, Hahira, Georgia                1,400     month-to-month
Goldleaf Technologies        220 West Main Street, Hahira, Georgia             500     month-to-month
Goldleaf Technologies        514 S. Church Street, Hahira, Georgia             100     month-to-month
</TABLE>

                                   Exhibit "A"
                                  (Page 1 of 1)

<PAGE>

                                   EXHIBIT "B"

                SCHEDULE OF CERTEGY PAYMENT SERVICES GROUP LEASES
                     HAVING AN EQUIFAX INC. LEASE GUARANTEE

<TABLE>
<CAPTION>
                                                                                 Premises    Expiration
         Tenant                Landlord               Premises Location         Size (RSF)      Date
-----------------------   ------------------   ------------------------------   ----------   ----------
<S>                       <C>                  <C>                              <C>          <C>
Certegy First Bankcard    Pavilion Partners,   The Pavilion at Lake Hearn,        50,063     04/30/2002
Systems, Inc. (f/k/a      L.P.                 Atlanta, Georgia
First Bankcard Systems,
Inc.)
</TABLE>

                                   Exhibit "B"
                                  (Page 1 of 1)

<PAGE>

                                   EXHIBIT "C"

                        SCHEDULE OF EQUIFAX GROUP LEASES
                            TO BE SUBLET AND ASSIGNED

EQUIFAX GROUP LEASES TO BE SUBLET

<TABLE>
<CAPTION>
                                                                                 Premises    Expiration
         Tenant                Subtenant              Premises Location         Size (RSF)      Date
-----------------------   ------------------   ------------------------------   ----------   ----------
<S>                       <C>                  <C>                              <C>          <C>
Equifax Information       Certegy Inc.         Brea, California                    1,335      04/30/03
Services, LLC (f/k/a
Equifex Credit
Information Services,
Inc.)
Equifax Knowledge         Certegy Inc.         747 East 22nd Street, Lombard,     27,484      05/31/05
Engineering, Inc.                              Illinois
(f/k/a Market
Knowledge, Inc.)
</TABLE>

EQUIFAX GROUP LEASES TO BE ASSIGNED

<TABLE>
<CAPTION>
                                                                                 Premises    Expiration
         Tenant                 Assignee              Premises Location         Size (RSF)      Date
-----------------------   ------------------   ------------------------------   ----------   ----------
<S>                       <C>                  <C>                              <C>          <C>
Equifax Information       Certegy Inc.         2650 East Imperial Highway,         1,335      07/31/02
Services, LLC (f/k/a                           Brea, California
Equifax Credit
Information Services,
Inc.)
Equifax Inc.              Certegy Inc.         100, 102, 104 West Main             8,000      12/31/01
                                               Street, Hahira, Georgia
</TABLE>

                                   Exhibit "C"
                                  (Page 1 of 1)
<PAGE>

                                   EXHIBIT "D"

                         SUBLEASE TERMS AND CONDITIONS

          1. Specifications. Sublandlord hereby subleases to Subtenant, and
Subtenant hereby hires from Sublandlord, the Sublet Premises, upon and subject
to the terms and conditions herein set forth, in its "as is" condition existing
on the date possession is delivered to Subtenant, without requiring any
alterations, improvements, repairs or decorations to be made by Sublandlord, or
at Sublandlord's expense, either at the time possession is given to Subtenant or
during the entire term of this Sublease, or any extension thereof. In connection
therewith, Subtenant represents that it has thoroughly examined the Sublet
Premises and the Total Premises and building of which it is a part.

          2. Term. The term of this Sublease shall commence on JULY 1, 2001
(hereinafter referred to as "Commencement Date") and shall end on the day
immediately preceding the day of the expiration of the term of the Lease
Agreement demising the Total Premises to Sublandlord (such day on which the term
of this Sublease expires is hereinafter referred to as "Expiration Date"; such
Lease Agreement is hereinafter referred to as the "Overlease"), or on such
earlier date upon which said term may expire or be terminated pursuant to any of
the conditions or limitations or other provisions of this Sublease, the
Overlease or pursuant to law.

          3. Rent. Subtenant agrees to pay to Sublandlord, as rent under this
Sublease, all base rent, additional rent, and any other charges or fees
whatsoever payable by Sublandlord under the Overlease in respect of the Sublet
Premises; and, without limiting the generality of the foregoing, Subtenant shall
pay to Sublandlord, as additional rent under this Sublease, all charges for any
additional services provided to Subtenant or the Sublet Premises, including,
without limitation, charges and fees for after-hours heating and
air-conditioning services. Subtenant's obligation to pay rent shall survive the
termination of this Sublease or the expiration of the term hereof. The base
rent, additional rent, and any other rent, charges, or fees payable hereunder
shall be paid to Sublandlord at 1550 Peachtree Street, Atlanta, Georgia 30309,
Attention: Accounting - Rent Payment, or at such other place as Sublandlord may
designate in writing, in lawful money of the United States of America without
notice or demand therefor and without any deduction, setoff or abatement
whatever.

          4. Terms of Overlease.

          (a) All of the terms, covenants, conditions, agreements, requirements,
restrictions and provisions of the Overlease required to be performed or
complied with by Sublandlord, as "tenant" or "lessee" under the Overlease, are
incorporated herein by reference as terms, covenants, conditions, agreements,
requirements, restrictions and provisions of this Sublease to be performed and
complied with by Subtenant for the benefit of both Sublandlord and the
"landlord" or "lessor" under the Overlease ("Lessor"), and Subtenant hereby
expressly assumes the same for the benefit of both Sublandlord and Lessor; and
all duties, obligations, liabilities and responsibilities of Sublandlord, as
"tenant" or "lessee" under the Overlease, in respect of the Sublet Premises
shall be duties, obligations, liabilities and responsibilities of Subtenant to
Sublandlord and Lessor. Sublandlord shall have all of the rights of Lessor under
the Overlease as against Subtenant.

          (b) Subtenant acknowledges that the expiration or any earlier
termination of the Overlease as to the Sublet Premises shall automatically
extinguish and terminate this Sublease.

                                   Exhibit "D"
                                  (Page 1 of 4)

<PAGE>

          (c) Without limiting the generality of subparagraph (a), above,
Subtenant shall obtain and maintain all insurance types and coverages, and
waiver of subrogation endorsements from its insurer, as specified in the
Overlease to be obtained and maintained by Sublandlord, as "tenant" or "lessee"
under the Overlease, in amounts not less than those specified in the Overlease.
All policies of insurance obtained by Subtenant shall name Lessor and
Sublandlord as additional insureds thereon in accordance with the Overlease, and
all endorsements waiving the right of subrogation of Subtenant's insurers shall
benefit Lessor and Sublandlord. Subtenant's insurance shall be primary over
Lessor's and Subiandlord's insurance. Subtenant will deliver to Sublandlord and
Lessor annually certificates reflecting that Subtenant has obtained and is
maintaining the required insurance coverages in the appropriate amounts.

          (d) Notwithstanding anything in this Sublease to the contrary,
Subtenant expressly acknowledges and agrees that Sublandlord shall not have any
liability or responsibility of any kind or nature whatsoever for any act or
omission of Lessor, or for any failure by Lessor to perform and comply with its
duties, obligations, liabilities and responsibilities under the Overlease; and,
without limiting the generality of the foregoing, Sublandlord shall not be
obligated to furnish for Subtenant any services of any nature whatsoever,
including, without limitation, the furnishing of heat, electrical energy, air
conditioning, elevator service, cleaning, window washing, or rubbish removal
services.

          (e) Subtenant represents and warrants that it has reviewed the
Overlease, and that it is familiar with the contents thereof.

          (f) Subtenant covenants and agrees that Subtenant will not do anything
that would constitute a default under the Overlease or omit to do anything,
which Subtenant is obligated to do under the terms of this Sublease and which
would constitute a default under the Overlease.

          (g) Subtenant shall, and hereby agrees to, indemnify, defend and hold
Sublandlord harmless from, against and in respect of any actions, causes of
action, suits, claims, demands, judgments, or proceedings asserted against,
imposed upon or suffered or incurred by Sublandlord, and from, against and in
respect of any liabilities, damages, losses, costs, expenses (including counsel
fees and expenses and disbursements of counsel), amounts of judgment,
assessments, fines or penalties, and amounts paid in compromise or settlement,
asserted against, imposed upon or suffered or incurred by Sublandlord, by reason
of any failure by Subtenant to perform and comply with, fully and completely,
the terms, covenants, conditions, agreements, requirements, restrictions and
provisions of the Overlease in respect of the Sublet Premises and the use and
occupancy thereof, or the duties, obligations, liabilities and responsibilities
under the Overlease in respect of the Sublet Premises and the use and occupancy
thereof.

          (h) The terms, covenants, conditions, agreements, requirements,
restrictions and provisions of this Sublease are cumulative of and in addition
to the terms, covenants, conditions, agreements, requirements, restrictions and
provisions of the Overlease.

          5. Alterations to Sublet Premises.

          (a) Subtenant shall not make any alteration, improvement, decoration,
or installation (hereinafter referred to as "Alterations") in or to the Sublet
Premises, without in each instance obtaining the prior written consent of both
Lessor and Sublandlord. If any Alterations are made without consent, Lessor or
Sublandlord may remove the same, and may correct, repair and restore the Sublet
Premises and any damage arising from such removal, and Subtenant shall be liable
for any and all costs and expenses incurred by Lessor or Sublandlord in the
performance of this work.

                                   Exhibit "D"
                                  (Page 2 of 4)

<PAGE>

          (b) Subtenant may have any Alterations performed by contractors of its
own choice, at its expense, provided that Subtenant has obtained written
approval of the contractor by Lessor and Sublandlord. The design of all
Alterations undertaken by Subtenant shall be subject to prior written approval
of Lessor and Sublandlord, and no Alterations shall be commenced until such
approval is obtained. With reasonable notice to Subtenant, Lessor and
Sublandlord shall at all times have the right to inspect the work performed by
any contractor selected by Subtenant during normal business hours.

          (c) Prior to the Expiration Date, or upon any earlier termination of
this Sublease, Subtenant, at the request of Sublandlord or Lessor, shall remove
all Alterations, repair all damage resulting from such removal and restore the
Sublet Premises to the condition as of the date possession was delivered to
Subtenant. If Subtenant fails or refuses to remove such Alterations, or fails to
correct, repair and restore the Sublet Premises, Lessor or Sublandlord may cause
the same to be removed, and repairs and restoration to be made, in which event
Subtenant shall reimburse to the party who caused said Alterations to be removed
and repairs made, the cost of such removal, repairs and restoration, together
with any and all damages which Lessor or Sublandlord may suffer and sustain by
reason of Subtenant's failure or refusal to remove said Alterations.

          (d) Subtenant, at its sole cost and expense, shall be responsible for:
(i) the construction and installation of complete demising walls to separate the
Sublet Premises from the remainder of the Total Premises, if any, if desired by
Subtenant or required by Lessor or under any applicable law; (ii) the alteration
or modification of any of the building systems rendered necessary by reason of
the demise of the Sublet Premises (including all modifications necessary or
desirable to provide service to the Sublet Premises and "zoning" modifications
outside the Sublet Premises rendered necessary or desirable by reason of the
demise of the Sublet Premises); and (iii) for the construction and installation
of the complete demising walls for any newly created common areas on the floor
on which the Sublet Premises are located, the creation of which is necessitated
by the demise of the Sublet Premises.

          6. Subtenant's Personal Property. On the Expiration Date or upon the
expiration or earlier termination of this Sublease, Subtenant shall remove all
of its furniture, furnishings and equipment, shall repair all damage resulting
from such removal or its use of the Sublet Premises, and shall surrender the
Sublet Premises, as so required, in good condition, subject only to reasonable
wear and tear and to damage, if any, by fire or other casualty. The obligations
of Subtenant as herein provided shall survive the termination of this Sublease.

          7. Assignment and Sublease. Subtenant shall not assign, mortgage,
pledge or otherwise encumber this Sublease, or sublet the Sublet Premises or any
part thereof, without the prior written consent of Sublandlord and Lessor in
each instance.

          8. Brokers. Sublandlord and Subtenant each represent and warrant, one
to another, that neither of them has employed any broker in carrying on the
negotiations, or had any dealings with any broker, relating to this Sublease.
Sublandlord shall indemnify and hold harmless Subtenant, and Subtenant shall
indemnify and hold harmless Sublandlord, from and against any claim or claims
for brokerage or other commission(s) arising from or out of any breach of the
foregoing representations and warranties by the respective indemnitors.

          9. Entire Agreement. This Sublease contains all of the covenants,
agreements, terms, provisions, conditions, warranties and understandings
relating to the leasing of the Sublet Premises and Sublandlord's obligations in
connection therewith, and neither Sublandlord nor any agent or representative of
Sublandlord has made or is making, and Subtenant in executing and delivering
this

                                   Exhibit "D"
                                  (Page 3 of 4)

<PAGE>

Sublease is not relying upon, any warranties, representations, promises or
statements whatsoever, except to the extent expressly set forth in this
Sublease. All understandings and agreements, if any, heretofore had between the
parties with respect to subletting the Sublet Premises are merged in this
Sublease, which alone fully and completely expresses the agreement of the
parties with respect thereto. The failure of Sublandlord to insist in any
instance upon the strict keeping, observance or performance of any covenant,
agreement, term, provision or condition of this Sublease or to exercise any
election herein contained shall not be construed as a waiver or relinquishment
for the future of such covenant, agreement, term, provision, condition or
election, but the same shall continue and remain in full force and effect. No
waiver or modification of any covenant, agreement, term, provision or condition
of this Sublease shall be deemed to have been made unless expressed in writing
and signed by Sublandlord and Subtenant. No surrender of possession of the
Sublet Premises or of any part thereof or of any remainder of the term of this
Sublease shall release Subtenant from any of its obligations hereunder unless
accepted by Sublandlord in writing. The receipt and retention by Sublandlord of
base rent or additional rent from anyone other than Subtenant shall not be
deemed a waiver of the breach by Subtenant of any covenant, agreement, term or
provision of this Sublease, or as the acceptance of such other person as a
tenant, or as a release of Subtenant from the further keeping, observance or
performance by Subtenant of the covenants, agreements, terms, provisions and
conditions herein contained. The receipt and retention by Sublandlord of base
rent or additional rent shall not be deemed a waiver of any breach hereof.

                                  Exhibit "D"
                                 (Page 4 of 4)

<PAGE>

                                   EXHIBIT "E"

                         ASSIGNMENT TERMS AND CONDITIONS

     FOR VALUE RECEIVED, Assignor and Assignee hereby agree as follows, to be
effective as of JULY 1, 2001 (for purposes of this Exhibit "E", the "Effective
Date"):

     1. Assignment. Assignor does hereby sell, convey, transfer and assign to
Assignee all of the right, title and interest of Assignee in, to and under that
certain Lease Agreement with respect to which Assignor and Assignee are the
"assignor" and "assignee" as set forth in and pursuant to SECTION 2(C) of the
foregoing Agreement Regarding Leases (the "Lease Agreement").

     2. Assumption. Assignee hereby assumes and agrees to comply with and
perform all of the duties, obligations, responsibilities, and liabilities of the
"tenant" or "lessee" under the Lease Agreement with respect to time periods from
and after the Effective Date.

     3. Representations and Warranties; Indemnities.

     (a) Assignor represents and warrants as follows with respect to the Lease
Agreement: Assignor is the true and lawful owner of all of the right, title and
interest of the "tenant" or "lessee" or "tenant" in, to and under the Lease
Agreement, free and clear of all claims, liens and encumbrances of any kind or
nature whatsoever; the Lease Agreement is presently in full force and effect,
and is the entire agreement between Assignor and the "landlord" or "lessor"
thereunder; and Assignor has performed and complied with, in all material
respects, all of the duties, obligations, responsibilities, and liabilities of
the "tenant" or "lessee" under the Lease Agreement required by the Lease
Agreement to have been performed or complied with prior to the Effective Date.

     (b) Assignor shall, and hereby agrees to, indemnify, defend and hold
Assignee harmless from, against and in respect of any actions, causes of action,
suits, claims, demands, judgments, or proceedings asserted against, imposed upon
or suffered or incurred by Assignee, and from, against and in respect of any
liabilities, damages, losses, costs, expenses (including counsel fees and
expenses and disbursements of counsel), amounts of judgment, assessments, fines
or penalties, and amounts paid in compromise or settlement, asserted against,
imposed upon or suffered or incurred by Assignee, by reason of any failure by
Assignor to perform and comply with, fully and completely, the duties,
obligations, responsibilities, and liabilities of the Lease Agreement required
by the Lease Agreement to be performed and complied with by the "tenant" or
lessee" thereunder prior to the Effective Date.

     (c) Assignee shall, and hereby agrees to, indemnify, defend and hold
Assignor harmless from, against and in respect of any actions, causes of action,
suits, claims, demands, judgments, or proceedings asserted against, imposed upon
or suffered or incurred by Assignor, and from, against and in respect of any
liabilities, damages, losses, costs, expenses (including counsel fees and
expenses and disbursements of counsel), amounts of judgment, assessments, fines
or penalties, and amounts paid in compromise or settlement, asserted against,
imposed upon or suffered or incurred by Assignor, by reason of any failure by
Assignee to perform and comply with, fully and completely, the duties,
obligations, responsibilities, and liabilities to be performed and complied with
by the "tenant" or lessee" under the Lease Agreement from and after the
Effective Date.

                                   Exhibit "E"
                                  (Page 1 of 1)<PAGE>

                                                                   Exhibit 10.5

ICBA BANCARD, INC.
and
CERTEGY CARD SERVICES, INC.
2003 RENEWAL SERVICE AGREEMENT

<PAGE>
                                                                               .
                                                                               .
                                                                               .

TABLE OF CONTENTS

Section

<TABLE>
<CAPTION>
                                                                            Page
                                                                            ----
<S>                                                                         <C>
1.0 MODIFICATION AND RESTATEMENT                                              2
2.0 EXTENSION OF TERM                                                         2
3.0 SERVICES                                                                  2
4.0 TERMINATION                                                               2
5.0 INTENTIONALLY LEFT BLANK                                                  5
6.0 FEES                                                                      5
7.0 PROGRAM CLEARING, SETTLEMENT AND PAYMENT ACCOUNTS                         8
8.0 ADDITIONAL OBLIGATIONS OF FINANCIAL INSTITUTIONS                         10
9.0 QUALITY CONTROL STANDARDS                                                11
10.0 SYSTEM ENHANCEMENTS                                                     12
11.0 CONFIDENTIALITY                                                         12
12.0 DATE TRANSMISSION                                                       14
13.0 RECORDS INSPECTION                                                      14
14.0 CHANGES TO THE PROGRAM SERVICES                                         14
15.0 GOVERNMENT INSPECTION                                                   14
16.0 INSURANCE                                                               14
17.0 BACKUP PROVISIONS                                                       16
18.0 ARBITRATION                                                             16
19.0 MASTERCARD/VISA REQUIREMENTS                                            17
20.0 FURTHER RENEWAL OF AGREEMENT                                            18
21.0 DISPOSAL OF RECORDS                                                     19
22.0 FALCON SERVICES                                                         20
23.0 SPECIAL PROGRAMMING                                                     23
24.0 USERS GROUP MEETINGS                                                    24
25.0 FINANCIAL INSTITUTION BENEFIT ASSOCIATION                               24
26.0 LEGAL COMPLIANCE AND INDEMNIFICATION                                    24
27.0 LIMITATIONS ON DAMAGES                                                  26
28.0 DISTRIBUTION TO FINANCIAL INSTITUTIONS                                  26
29.0 AGENT BANK AGREEMENTS                                                   26
30.0 GUARANTEES OF CERTEGY INC                                               26
31.0 NO WAIVER                                                               26
32.0 FORCE MAJEURE                                                           27
33.0 GOVERNING LAW                                                           27
34.0 ENTIRE AGREEMENT; CONSTRUCTION                                          27
35.0 MODIFICATION OR AMENDMENTS                                              27
36.0 ASSIGNMENT                                                              27
37.0 NOTICES                                                                 27
38.0 ATTORNEYS' FEES                                                         28
39.0 CAPTIONS                                                                28
</TABLE>

                                        i

<PAGE>

ICBA BANCARD, INC.
and
CERTEGY CARD SERVICES, INC.
2003 RENEWAL SERVICE AGREEMENT

This 2003 Renewal Service Agreement ("Agreement" or "2003 Renewal Agreement") is
made as of June 1, 2003 ("Effective Date"), by and between ICBA BANCARD, INC.
("Bancard"), a Delaware corporation, and CERTEGY CARD SERVICES, INC.
("Certegy"), a Florida corporation, with reference to the following facts:

RECITALS

Bancard is a corporation engaged primarily in the provision of payment services
to A. financial institutions (the "Bancard Program"). Certegy is engaged in the
business of providing processing for payment services to B. Financial
Institutions (the "Certegy Services").

C. Bancard, acting as agent for certain community banks that are members of the
Independent Community Bankers of America ("Financial Institutions"), has
retained Certegy to provide certain of the Certegy Services (the "Program
Services") to Financial Institutions in the Bancard Program.

D. Bancard and Certegy are parties to a 1994 Renewal Service Agreement, dated
December 12, 1994, as amended December 12, 1996 (First Amendment) and February
15, 2000 (Second Amendment); a Privacy Addendum dated February 1, 2001; and a
Letter Agreement dated September 28, 2001 (collectively, the "1994 Renewal
Agreement") governing the parties' rights and obligations with respect to the
Program Services provided to Financial Institutions.

E. The term of the 1994 Renewal Agreement expires on December 11, 2004, and
Bancard and Certegy now desire to modify, restate and extend the Term of the
1994 Renewal Agreement.

NOW, THEREFORE, in consideration of the mutual covenants and agreements
hereinafter contained, and for other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, it is hereby mutually
agreed by and between the parties as follows:

                                       -1-

<PAGE>

1.0 Modification and Restatement. By this Agreement, the parties hereby modify
and otherwise restate the terms of the 1994 Renewal Agreement. As of the
Effective Date hereof, the provisions of this Agreement supersede the provisions
of the 1994 Renewal Agreement and are incorporated into each of the agreements
for provision of the Program Services between Bancard and each Financial
Institution (the "Financial Services Agreement"). Extension of Term. The term of
the 1994 Renewal Agreement, as hereby modified 2.0 and restated, shall expire on
March 31, 2008 (the "Renewal Term").

Services. 3.0

3.1 Description. Certegy shall provide to those Financial Institutions
identified to it from time to time by Bancard (i) the credit card services
described in Schedules "A", "B", "G", "K" and "L" (the "Credit Card Program
Services") and the Merchant Services described in Schedule "C" (the "Merchant
Program Services"); and (ii) the debit, in-house/pass through and ATM card
services described in Schedule "E" (the "Debit Card Program Services"), Schedule
"J" (the "Stored Value Card Program Services") and the E-Banking Services as
described in Schedule "I" (the "EBanking Program Service Program"), all of which
are attached to, and fully incorporated into, this Agreement. Except as
otherwise specifically set forth in this Agreement, Bancard shall use Certegy
exclusively for the Credit Card Services and Merchant Program Services described
in subsection (i) above. Bancard shall identify to Certegy each Financial
Institution with which Bancard has executed a Financial Services Agreement to
provide the Credit Card Program Services, Merchant Program Services, Debit Card
Program Services, Stored Value Card Program Services and/or E-Banking Program
Services.

3.2 Data to Vendors. If a Financial Institution wishes Certegy to provide data
pertaining to that Financial Institution to third party vendors, that Financial
Institution shall provide written authorization to Certegy and indemnification
for claims pertaining to such data transfer and the performance of any such
vendors, in a form acceptable to Certegy. In addition, Certegy may require any
such vendors to enter into written agreements with Certegy governing the
transfer of such data.

Termination. 4.0

By Bancard. Bancard may terminate this Renewal Agreement: 4.1 in the event of
the loss or termination, for any reason, of Certegy's (a) right or ability to
provide the Program Services;

(b) subject to sections 4.9 herein, in the event Certegy commits any material
breach of its obligations under this Agreement, and such breach is not cured
within thirty (30) days of Certegy's receipt of notice of the breach. A
"Material Failure" as defined in section 9.0 herein and an "Adverse Event" as
defined in section 4.9 herein, shall each constitute a material breach of this
Agreement by Certegy within the meaning and intent of this section;

                                       -2-
<PAGE>

(c) upon any affirmative act of insolvency by VISA or MasterCard or affiliated
networks or upon the filing by VISA or MasterCard or affiliated networks of any
action under any reorganization, insolvency or moratorium law, or upon the
appointment of any receiver, trustee or conservator to take possession of the
properties of VISA or MasterCard or affiliated networks; provided, however, that
such an act or event by or relating to VISA or MasterCard or affiliated
networks, but not to both, shall not terminate this Agreement with regard to the
other, provided Certegy remains able to provide the Program Services to other
card associations or networks;

(d) to the extent permitted by applicable law, upon the filing by Certegy of any
action under any reorganization, insolvency or moratorium law, or upon the
appointment of any receiver, trustee or conservator to take possession of its
properties. By Certegy. Certegy may terminate this Agreement:

4.2 (a) in the event Bancard commits any material breach of its obligations
under this Agreement, and such breach is not cured within thirty (30) days of
Bancard's receipt of notice of the breach;

(b) to the extent permitted by applicable law, upon the filing by Bancard of any
action under any reorganization, insolvency or moratorium law, or upon the
appointment of any receiver, trustee or conservator to take possession of its
properties.

(c) upon any affirmative act of insolvency by VISA or MasterCard or affiliated
networks or upon the filing by VISA or MasterCard or affiliated networks of any
action under any reorganization, insolvency or moratorium law, or upon the
appointment of any receiver, trustee or conservator to take possession of the
properties of VISA or MasterCard or affiliated networks; provided, however, that
such an act or event by or relating to VISA or MasterCard or affiliated
networks, but not to both, shall not terminate this Agreement with regard to the
other, provided Certegy remains able to provide the Program Services to other
card associations or networks;

4.3 In the event of termination of this Agreement pursuant to section 4.1(a),
(b), (c) or (d), or in the event of expiration of this Agreement governed by
section 20.2 herein, neither Bancard nor Financial Institutions shall be
required to pay to Certegy the Termination Fees (defined in section 4.4 below)
or any other fees or charges other than those which may have become due for
Program Services rendered hereunder prior to the termination or expiration.

4.4 In the event of termination by any Financial institution of the Program
Services on Schedule "A", "B", "C", "E", "F", "G", "J", "K" and/or "L" with
respect to all or substantially all of its accounts falling under that Program
Service, for any reason whatsoever other than upon termination or expiration of
this Agreement due to circumstances described in section 4.3 above, Bancard
shall pay to Certegy the following termination fees (the "Termination Fees"):
the greater of (i) the Deconversion Fees set forth in the applicable Schedule
for the Program Services terminated or (ii) the sum of (a) an amount equal to
the last six (6) months fees, other than Pass

                                      -3-

<PAGE>

Through Fees, for the Program Services terminated, other than for Program
Services under Schedule "C" and (b) if the Schedule "C" Program Services are
terminated, that Financial Institution's fees, other than Pass Through Fees, for
Schedule "C" Services for the preceding three (3)months.

Notwithstanding the above, in the event a Financial Institution only terminates
the Services in Schedule "C" and retains the other Program Services being
provided under other Schedules, then neither Bancard nor such Financial
Institution shall be required to pay Certegy any Termination Fees under Schedule
C. For each termination of Program Services by a Financial Institution, Certegy
shall provide Bancard a written accounting of the Fees to be assessed, if any,
including an explanation of the Fee calculation. Notwithstanding the assessment
and collection of the above amounts, nothing in this Agreement shall limit the
legal and equitable remedies, which would otherwise be available to Certegy in
the event of termination of this Agreement following a material breach of this
Agreement by Bancard.

4.5 Cooperation. Upon termination of this Agreement pursuant to section 4.1,
Certegy will use its best efforts to assist Bancard in arranging for access to
the Program Services on substantially the same terms as are provided in this
Agreement so that Financial Institutions may continue receiving similar services
without substantial interruption. Certegy and Bancard will cooperate to effect
an orderly conversion of accounts and data to a successor card processing
institution. As requested by Certegy, Bancard shall cooperate to affect the
reclamation of cards, checks and drafts issued in connection with the Program
Services. Except as otherwise provided in section 4.9 or 20.4 herein, within
fourteen (14) days after the termination of this Agreement, Bancard shall send
to each Financial Institution via first class U.S. mail a letter in the form
attached hereto as Exhibit 3.

4.6 Rights of Parties to Funds. Upon expiration and non-renewal, or termination
of this Agreement for any reason, the respective rights of the parties to funds
in any and every account over which more than one party has signature authority
shall be governed by the provisions of section 7.0 hereof.

4.7 Notifications. Upon the occurrence of any event noted in sections 4.1 and
4.2 above, the party first having knowledge of such event shall notify the
other. Bancard shall require each Financial Institution desiring to terminate
the Program Services for reasons other than those in section 4.1 to provide
Certegy not less than six (6) months advance written notice.

4.8 Prohibited Solicitation. In the event of termination of this Agreement by
Bancard pursuant to section 4.1(b), Certegy agrees that for a period of twelve
(12) months from the effective date of termination, Certegy, its subsidiaries
and affiliates, on their own behalf or as program administrator for the
Financial Institution Benefit Association ("FIBA") shall not, directly or
indirectly, engage in prohibited solicitation ("Prohibited Solicitation") of
Financial Institutions as customers of Certegy, its subsidiaries, affiliates, or
as members of FIBA, or as customers of any other entity which is a customer of
Certegy, its subsidiaries, affiliates, or is a member of FIBA, without the prior
written approval of Bancard; provided, however, that nothing herein shall
restrict (i) Certegy's right to do business with entities which are competitors
of Bancard, and (ii) such competitors' rights to solicit Financial Institutions
as customers.

                                      -4-

<PAGE>

"Prohibited Solicitation" within the meaning of this section means initiating
any written or oral communication with Financial Institutions, directly or
indirectly, which is, or may be construed by Financial Institution as, a direct
or indirect request or inducement to Financial Institutions to continue to
receive Program Services from Certegy, its subsidiaries, affiliates, or as a
member of FIBA or any other entity which is a customer of Certegy, its
subsidiaries, affiliates, or is a member of FIBA, following the expiration or
termination of this Agreement, without the prior written consent of Bancard.
Prohibited Solicitation shall include, but not be limited to, invitations to
educational or other seminars which Certegy, its subsidiaries, affiliates or
FIBA sponsor, or in which it or they participate; promotional or other
information concerning Certegy, its subsidiaries, affiliates or FIBA, including
financial information; and general information concerning services and prices.
Prohibited Solicitation shall not include changes in services or prices as
permitted under this Agreement and information needed by Financial Institutions
in order for Certegy to effect the deconversion of Financial Institutions.

4.9 Adverse Events. In the event that during the Renewal Term Bancard reasonably
determines that specific acts or events ("Adverse Events") by Certegy or its
subsidiaries or affiliates, have adversely affected, or would adversely affect,
to a substantial degree, (i) the goodwill and reputation of Bancard with members
of the Independent Community Bankers of America ("ICBA"), and (ii) Bancard's
business, and that such adverse effect would continue if Bancard continued its
relationship with Certegy under this Agreement, Bancard shall notify Certegy of
its intention to terminate this Agreement. In such event Certegy and Bancard
shall make every good faith effort to mutually overcome the effects of the
Adverse Event. If the matter is not resolved to the satisfaction of Bancard
within sixty (60) days after such notice, the issue of whether an Adverse Event
has occurred shall be submitted to binding arbitration pursuant to the
provisions of section 18 hereof. It is agreed, however, that this section 4.9
cannot be used to terminate this Agreement because Certegy has exercised its
rights against a Financial Institution or taken action on behalf of Bancard
against a Financial Institution pursuant to Certegy's rights under this
Agreement.

If Certegy accepts Bancard's notice of its desire to terminate, or if the
arbitrators determine that an Adverse Event has occurred, then the effective
date of termination shall be one (1) year from the date of such notice or from
the date on which the arbitration award is rendered, as the case may be, or such
other date as the parties mutually agree. Within fourteen (14) days after
Certegy's acceptance of Bancard's notice or the rendering of the arbitration
award, as the case may be, Bancard shall send to each Financial Institution via
first class U.S. mail a letter in the form attached hereto as Exhibit 3. An
Adverse Event under this section 4.9 shall be deemed to be a material breach of
this Agreement within the meaning and intent of section 4.1(b) herein.
Intentionally Left Blank.

5.0 Fees.

6.0

6.1 Scheduled Fees. In consideration for provision of the Program Services to
Financial Institutions by Certegy, Bancard shall be responsible for all
Financial Institutions paying

                                      -5-

<PAGE>

to Certegy the fees set forth in Schedules "A", "B", "C", "E", "G", "J", "K",
"L", and "I" of Exhibit 1 attached to this Agreement (the "Scheduled Fees"). The
Scheduled Fees shall be effective as of the dates shown on each Schedule and
shall remain in effect until changed pursuant to the terms of this Agreement.
Bancard shall indemnify and hold Certegy harmless from any and all losses
incurred as the result of a Financial Institution's failure or refusal to pay
Certegy any uncontested Scheduled Fees.

6.2 Settlement of Fees. For those Program Services for which Certegy settles
daily for Program Members, processing fees shall be settled each banking day for
the applicable transactions and shall be payable by deduction from the
applicable Financial Institution's daily settlement amount. Fees for all other
Program Services shall be invoiced monthly, payable ten (10) days after the
invoice date. In no event will any sums due Certegy under section 4.3 or 4.4
hereof be deducted by Certegy from any settlement account, BIN, ICA or
otherwise.

6.3 Bancard's Financial Responsibility. As to Certegy, as agent for the
Financial Institutions, Bancard assumes financial responsibility for all VISA
and MasterCard transactions processed into and out of its, or a Financial
Institution's, Base Identification Number (BIN) Account and its, or a Financial
Institution's, Interbank Card Association (ICA) Account including, but not
limited to, counterfeit transactions and fraudulent transactions. Bancard shall
indemnify Certegy for any and all losses Certegy incurs related to such
transactions, which losses were not caused by Certegy's actions or omissions in
performance of the Program Services. Certegy is expressly prohibited from using
Bancard's, or a Financial Institution's, BIN or ICA Account for the benefit of
any person or organization other than Financial Institutions in the Bancard
Program, or for any purpose other than processing transactions for such
Financial Institutions, without the prior express written consent of the
applicable VISA or MasterCard principal member.

6.4 Time Frame for Merchant Settlement. Certegy shall remit to the Settlement
Account the amount of all VISA and MasterCard merchant transactions from each
Financial Institution no more than four (4) business days following Certegy's
receipt of such merchant VISA and MasterCard transactions from a Financial
Institution, except for delays resulting from those events provided for in
section 34.0 herein.

6.5 Fee Increases. Certegy may make a one-time adjustment to the Scheduled Fees
at any time during the final twenty-four (24) months of the Renewal Term in
accordance with the requirements of section 6.5.1 below; provided, however, that
(i) no such Fee increase may be made if a "Material Failure" which has not been
cured, as defined in section 9.1 below, has occurred during the four (4)
calendar quarters immediately preceding Certegy's notice of proposed Fee
increase; and (ii) Certegy may implement adjustments of those fees over which
Certegy has no control ("Pass Through Fees") and which are identified as such in
the Scheduled Fees, at any time during the Renewal Term of this Agreement.
Certegy shall notify Bancard of any Pass Through Fee increase at least thirty
(30) days prior to the date Certegy implements such increase.

6.5.1 Certegy may implement increases of the Scheduled Fees by a percentage
which is equal to or less than the sum of (i) the amount by which the Percentage
Increase (defined in section 6.5.4 below) exceeds two percent (2%), but is not
more than six percent (6%);

                                      -6-

<PAGE>

and (ii) one-half of the amount by which the Percentage Increase exceeds six
percent (6%). Certegy shall notify Bancard of any such fee increase at least one
hundred eighty (180) days prior to the date Certegy implements such increase.

6.5.2 The following definitions shall apply to this section 6.5: "Index" shall
mean the Consumer Price Index for All Urban Consumers (1967 = 100), specified
"All Items", relating to Tampa, Florida and issued by the Bureau of Labor
Statistics of the United States Department of Labor. If the Index in its form as
of the Effective Date hereof is discontinued, or if the basis on which it is now
calculated shall be revised, the parties shall make an appropriate conversion to
such revised Index on the basis of conversion factors published by the Bureau of
Labor Statistics; if such conversion factors are not published, either party may
request the Bureau of Labor Statistics to provide, when needed, an appropriate
conversion or adjustment which shall be applicable thereafter; or if the Bureau
of Labor Statistics shall be unable or unwilling to provide such appropriate
conversion or adjustment, then the parties shall, in good faith, agree on a
suitable substitute for the Index.

6.5.3 "Base Index" shall mean the Index established for the month in which the
prices on the Schedule that Certegy seeks to adjusted became effective; and (ii)
for any subsequent increase, the Index in the month that was the Comparative
Month in the last applicable increase.

6.5.4 "Percentage Increase" shall mean the percentage equal to the fraction, the
numerator of which shall be the Index in the Comparative Month less the Base
Index, and the denominator of which shall be the Base Index.

6.5.5 "Comparative Month" shall mean the most recent month for which the Index
has been published prior to Certegy providing notice of the increase, which
Comparative Month shall be deemed the month of the last increase for purposes of
establishing the new "Base Index" for any future increase.

6.6 Most Favored. If during the Renewal Term, Certegy signs a new or renewal
contract for services similar to Credit Card Program Services and Merchant
Program Services with any other association of financial institutions which has
approximately the same or comparable Credit Card and Merchant transaction
volumes for approximately the same or comparable group of services and levels of
support as the Credit Card and Merchant Program Services and support being
provided to the Bancard Program, then within fifteen (15) business days after
that contract is signed or made public (in the case of a contract which is
required to be publicly disclosed), Certegy shall give Bancard written notice of
that fact and shall provide a schedule of the basic terms that will govern the
credit card and merchant services to be provided and the rates, including any
provisions for rate increases or decreases, to be charged to the members of that
other association (the "Rate Structure"). Bancard shall have the right to elect
to have the Rate Structure substituted for Bancard's then current rates and
terms, which election it may make only by giving written notice to Certegy
within thirty (30) days following receipt of the Rate Structure from Certegy;
provided, however, that Certegy then shall be entitled to provide the Program
Services on the same basic terms under which they are being provided to the
other association. If Bancard elects the other association's Rate

                                      -7-

<PAGE>

Structure, it shall become effective on a reasonable date to be mutually agreed
by the parties, which date shall be at least thirty (30) days from Bancard's
election and which shall be the first calendar day of a month.

Other Services. Certegy may perform services for Bancard or the Financial 6.7
Institutions which are not included in this Agreement at prices to be mutually
agreed by Certegy and Bancard prior to the performance of such services, and
shall be documented by means of a written amendment to this Agreement. Certegy
shall not be responsible or obligated for any services Bancard provides to
Financial Institutions which are not included in this Agreement including, but
not limited to, advertising, research and development, taxes allocated to
property owned by Bancard, and insurance. Program Clearing, Settlement and
Payment Accounts.

7.0

7.1 Program Clearing Account. As agent for Financial Institutions, Bancard shall
maintain a demand deposit account (the "Program Clearing Account" or "PCA") for
daily settlement of transactions, charges and reimbursements.

7.1.1 Access. Certegy may access the PCA for the following purposes: daily
settlement of all VISA and MasterCard cardholder

(a) amounts due to/from VISA and MasterCard; and daily settlement of fees due
Certegy for the transactions

(b) previously processed; and

(c) monthly settlement of fees and charges due Certegy, other than processing
fees, such access permitted not less than ten (10) days after the invoicing of
such fees and charges to Bancard; and

(d) daily settlement of all dues, fees, assessments and other charges due
Certegy for, without limitation, the combined warning bulletin fees, interchange
fees, VISA and/or MasterCard Association fines or other charges, if any, and
assessments; and

(e) daily payment of any interest due Certegy for funds Certegy paid to VISA or
MasterCard on behalf of Bancard that Bancard did not have available to Certegy
in the PCA ("PCA Shortfall"). Bancard shall pay Certegy interest at the base
rate charged by the clearing bank for the Bancard Program, plus one percent (1%)
for all PCA Shortfall; and daily investment for Bancard's benefit of surplus
funds in the

(f) PCA.

7.1.2 Minimum Balance. For Credit Card Program Services and Debit Card Program
Services, Bancard shall maintain at all times in the PCA a minimum balance
("Minimum Balance") equivalent to the product of the following equation:

                                      -8-

<PAGE>

[The anticipated average aggregate cardholder base for all Financial
Institutions for the next ninety (90) days or two hundred (200), whichever is
greater] x 2.5 (anticipated transactions per cardholder account per month) x 52
(anticipated average transaction amount) / 21.5 (average business days per
month) x 3. The elements of the above equation shall be adjusted quarterly by
Certegy, or more often if deemed necessary by Certegy and Bancard, based on the
actual volume of the previous month and seasonal factors, in all cases with
advance written notice to Bancard,. Settlement.

7.2

7.2.1 Settlement Account. Bancard shall require each Financial Institution to
maintain at all times a demand deposit account (the "Settlement Account" or
"SA") for the purpose of replenishing the PCA so that an amount no less than
each Financial Institution's pro rata share of the Minimum Balance is maintained
at all times. Bancard and/or Certegy through the Automated Clearing House
("ACH") or wire transfer at Bancard's expense, may access each SA on a daily
basis to transfer to the PCA a sum equivalent to the product of the following
equation: [Financial Institution's anticipated cardholder base for the next
ninety (90) days or two hundred (200), whichever is greater] x 2.5 (anticipated
transactions per cardholder account per month) x 52 (anticipated average
transaction amount) / 21.5 (average business days per month) x 3 (average number
of the days required for clearance of transfers from Financial Institutions into
the PCA). The elements of the above equation shall be adjusted quarterly by
Certegy, or more often if deemed necessary by Certegy and Bancard, based on the
actual volume of the previous month and seasonal factors, in all cases with
advance written notice to Bancard and each Financial Institution. Bancard shall
require each Financial Institution to maintain at all times in the SA an amount
equal to the product of the equation expressed above in this section 7.4, as
adjusted from time to time.

7.2.2 Settlement to Financial Institutions processing on BASE2000. Financial
Institutions receiving Certegy Services under Schedules "K" or "L" shall each
establish a Settlement Account in the Financial Institution's name to enable
VISA and/or MasterCard to settle transactions, dues, fees, assessments and other
amounts directly to the Financial Institution Settlement Account. The Financial
Institution shall maintain sufficient balances in the Settlement Account to
enable such VISA and/or MasterCard settlements. Neither Bancard nor Certegy
shall bear any responsibility or liability for funding of the Financial
Institution's Settlement Account.

7.3 Payment Account. As agent for Financial Institutions, Bancard shall
establish a demand deposit account for deposit of payments made to Bancard and
Financial Institutions ("Payment Account"). Certegy may access such Payment
Account to deposit payments received from cardholders and to transfer sums to
the appropriate Financial Institution Settlement Account.

                                      -9-

<PAGE>

7.4 Reporting. Certegy shall furnish to Bancard on a monthly basis

(a) detailed information including bank statements and reconciliation statements
for the PCA;

(b) a monthly statement of each day's interchange fees; and

(c) such data as may be reasonably requested by Bancard and/or any Financial
Institution. Certegy also shall furnish to each Financial Institution daily
statements of settlements with VISA, MasterCard and Certegy.

7.5 Audit. Bancard shall have the right to receive an annual Statement from
Certegy's outside certified public accounting firm, at Certegy's expense, in the
form such Statement is normally prepared for Certegy's regular audits, which
confirms that the firm has examined Certegy's operations and that the reports
furnished to Bancard and Financial Institutions are accurate and based upon
generally accepted accounting principles. Additional Obligations of Financial
Institutions. Each Financial Institution is bound 8.0 by the following
provisions as of the Effective Date of this Agreement:

8.1 Right to Refuse Merchants. Financial Institution shall not enroll merchants
for participation in the VISA and/or MasterCard systems through Bancard or
Certegy if such merchants are within the categories of merchants designated by
Bancard and/or Certegy from time to time as "high-risk merchants". Bancard or
Certegy shall have the right to refuse to enroll, and may terminate the
enrollment of, any merchant, if it determines, in its sole and absolute
discretion, that enrolling, or failing to terminate, such merchant would create
excessive risk for Bancard and/or Certegy.

8.2 Right to Refuse Transactions. In the event that either Bancard or Certegy
determines, in its sole and absolute discretion, that the risks related to the
credit card sales drafts introduced by any merchant enrolled by any Financial
Institution are excessive, then Bancard or Certegy may refuse to accept and
process such transactions. Bancard or Certegy shall promptly notify Financial
Institution of its refusal to accept and process transactions from any such
merchant.

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

8.4 Indemnification. Notwithstanding any other provision of this Agreement to
the contrary, Financial Institution shall indemnify and hold harmless Certegy
and Bancard, and their respective stockholders, officers, directors, employees,
agents, affiliates, subsidiaries, successors and assigns (the "Indemnified
Parties"), from and against any and all liabilities, obligations, losses,
damages, penalties, actions, judgments, suits, costs, expenses, fees, including
reasonable attorney fees, or disbursements of any kind or nature whatsoever (the
"Losses"), which may be suffered by, imposed on, incurred by, or asserted
against the Indemnified Parties in any way relating to, or arising

                                      -10-

<PAGE>

out of, any merchant deposit of VISA or MasterCard credit card or debit card
sales drafts ("Sales Drafts") which arise from transactions from merchants
enrolled by Financial Institution or an agent institution of Financial
Institution for the Merchant Program Services provided pursuant to this
Agreement and/or the Financial Services Agreement, including counterfeit or
fraudulent transactions, credits processed by a merchant, or any chargebacks of
Sales Drafts. Certegy shall be a third-party beneficiary of the indemnities in
this section, and if Certegy brings any lawsuit, arbitration or other action
against Financial Institution to enforce the provisions of this section, the
prevailing party shall be entitled to recover its reasonable attorneys' fees and
costs in connection with the action.

8.5 Right to Utilize Certain Funds. Bancard and/or Certegy shall have the right
to utilize any amounts payable to Financial Institution as a result of
transactions in the MasterCard and/or VISA systems in payment of, or to
reimburse Bancard or Certegy for, chargebacks or any other amounts payable by,
or any other Losses resulting from, the activities of any merchants enrolled by
Financial Institution or an agent institution of Financial Institution.
Financial Institution acknowledges that Certegy is a third party beneficiary of
all Bancard rights in the Financial Services Agreement, and that Certegy is
entitled to exercise all rights given to it pursuant to this section to, among
other things, apply incoming amounts to offset or recover amounts due on
fraudulent transactions introduced into the MasterCard and/or VISA systems by
merchants enrolled by Financial Institution or an agent institution of Financial
Institution. Financial Institution specifically agrees that the rights of
Bancard and Certegy and the obligations of Financial Institution hereunder shall
survive the expiration or earlier termination of this Agreement.

9.0 Quality Control Standards.

9.1 Compliance Requirements. Certegy shall maintain the Quality Control
Standards set forth in Exhibit 2 attached hereto (the "Standards"), which shall
apply as appropriate and as indicated on Exhibit 2, beginning on the Effective
Date, to the Program Services on the Schedules to Exhibit 1. At the end of each
calendar quarter, Certegy and Bancard shall review Certegy's performance for
that quarter in light of the Standards. To facilitate such review, Certegy shall
provide Bancard with internally generated monthly reports on which the review
can be based, along with a certification by a Certegy officer verifying their
accuracy. For purposes of measuring Certegy's compliance with the requirements
of this section, the "Standards" designated as "material standards" shall be
deemed to be "Material Standards" for the purposes of this Agreement. Certegy's
failure to meet one or more Material Standards, or three (3) or more of the
other Standards, in any calendar quarter, shall be deemed a "Material Failure."
In the event of a Material Failure, Certegy shall take those steps necessary to
cure that specific Material Failure within the thirty (30) day period following
notice by Bancard to Certegy of the Material Failure. The test period to
determine whether such cure has been accomplished shall be the thirty (30) day
period following the thirty (30) day period for cure referred to above. In the
event that the Material Failure has not been cured as evidenced by Certegy's
reports thereon, subject to Bancard's right of inspection and audit, Certegy
shall have committed a "material breach" of its obligations hereunder which has
not been cured within the meaning and intent of section 4.1(b) hereof.

                                      -11-

<PAGE>

9.2 Right to Audit. On reasonable notice during normal business hours, Bancard
representatives shall have the right, at Bancard's expense, to inspect and audit
information and records in Certegy's possession or control pertaining to
Certegy's compliance with the Standards; provided that Certegy shall have the
right to receive and comment on any report prepared by any representative of
Bancard in connection with any such inspection or audit prior to its
dissemination to Financial Institutions or other third parties.

9.3 Joint Review and New Card Processing Systems. Bancard and Certegy agree to
review the Standards and make amendments as agreed. The parties jointly shall
make reasonable modifications to the Standards when needed to apply to any new
card processing system or platform implemented by Certegy during the Renewal
Term. Those modifications shall take into account the differences in capability
and function of any such new system.

9.4 Filing and Reporting Requirements. On Bancard's behalf, Certegy agrees to
comply with all Visa and MasterCard filing and reporting requirements imposed on
Bancard, as a result of Program Services. Certegy's assistance to Bancard with
filling and reporting requirements occasioned by the Bancard Program not
resulting from Certegy Services shall be subject to the parties agreement on
applicable terms and fees.

10.0 System Enhancements. Bancard and Certegy will negotiate a schedule of
specific system enhancements that Certegy will provide at no additional cost to
Bancard or the Financial Institutions. The parties will set forth that schedule
and the terms applicable to the provision of those enhancements in an amendment
to this Agreement. Further, during the Renewal Term, if Bancard requests other
enhancements or changes to the Program Services, then Certegy and Bancard will
negotiate whether and upon what terms Certegy will provide those enhancements or
changes, including additional fees which Certegy may charge. Certegy reserves
the right to make any changes to the Program Services so long as Bancard will
continue to be able to meet its obligations to the Financial Institutions and
their customers.

11.0 Confidentiality.

11.1 Each of the parties to this Agreement agrees to hold as secret and
confidential information, reports, plans, customer lists, documents, drawings,
writings, samples, statements, audit reports, software, manuals, know how and
other proprietary material ("Confidential Information") received from the other
party. "Confidential Information" shall also include information and data
concerning the business, activities, operations, financial results, properties
or management of the Financial Institutions or their customers prepared by or
for Certegy, or used in any way by Certegy in connection with the provision of
Program Services to Financial Institutions and their customers, whether or not
Financial Institutions and their customers are therein identified by name. All
Confidential Information provided from one party to the other shall remain the
property of the disclosing party. For purposes of this section 11.0,
Confidential Information shall not include information which becomes available
to the public through no wrongful action of the receiving party; which may be
published prior to the date hereof; which is already in the possession of the
receiving party and not subject to an existing agreement of confidence between
the parties; which is received from a third party without restriction and
without breach of this Agreement; which is independently

                                      -12-

<PAGE>

developed by the receiving party; or which is disclosed pursuant to a
requirement or request from a government agency. This Agreement shall in no way
be construed to grant any right, license, or authorization to either party to
use Confidential Information except as permitted in this Agreement. Each party
shall restrict Confidential Information received from the other party to those
employees and persons in the receiving party's organization with a need to know
such Confidential Information in order to provide the Program Services
hereunder. Such employees or persons shall be under the same obligations to hold
secret and confidential such Confidential Information as provided herein.
Certegy may disclose Confidential Information to its third-party vendors or
contractors as necessary to provide the Program Services under this Agreement.
Before disclosing Confidential Information to such third-party vendors or
contractors, Certegy shall first secure the written agreement of such vendors or
contractors to protect and limit the use of such Confidential Information as
provided herein. The obligations of the parties hereunder shall survive the
expiration or earlier termination of this Agreement.

11.2 Bancard and Certegy agree as follows regarding the use to be made of, and
the protections to be provided to, Confidential Information, including non-
public financial information that is personally identifiable to a customer of a
Financial Institution (referenced in the Gramm-Leach-Bliley Act (the "GLB Act"),
as "Non-public Personal Information" or "NPI"), which is disclosed to Certegy to
enable it to provide the Program Services to Financial Institutions:

11.2.1 NPI shall be treated as Confidential Information under section 11.1 of
this Agreement;

11.2.2 All Confidential Information provided to or acquired by Certegy in the
course of providing Program Services to a Financial Institution shall be used
only for the provision of the Program Services, unless lawful disclosure is
authorized in writing by that Financial Institution. Certegy shall not disclose
Confidential Information to any person not affiliated with the Financial
Institution, except as necessary to provide the Program Services or if such
disclosure would be lawful if made directly by the Financial Institution;

11.2.3 When contracting with third parties to assist in providing the Program
Services to Financial Institutions ("Third Party Vendors"), Certegy shall
require those Third Party Vendors to comply with the same, or substantially
similar, confidentiality and privacy obligations as apply to Certegy under this
Agreement;

11.2.4 Certegy shall restrict its employees' access to Confidential Information
to those employees who need to know the Confidential Information in order to
provide the Program Services to Financial Institutions;

11.2.5 Certegy shall maintain physical, electronic and procedural safeguards
that comply with the applicable laws and regulations concerning NPI, to prevent
unauthorized and unlawful disclosure;

                                      -13-

<PAGE>

11.2.6 Bancard shall require each Financial Institution to comply with the GLB
Act including, but not limited to, providing the privacy notices to each
customer of each Financial Institution;

11.3 Upon the expiration and non-renewal, or earlier termination of this
Agreement, or at the expiration or termination of any Financial Institution's
Financial Services Agreement, each party, including each Financial Institution,
shall return to the disclosing party all copies of Confidential Information
received from the other, or shall deliver a certificate signed by an officer of
the party certifying that such Confidential Information has been destroyed.

11.4 Annual Review. Each year upon Bancard's request, or upon the written
request of a Financial Institution, Certegy shall provide to Bancard or the
requesting Financial Institution, a copy of the most recent third party
auditors' review and report on the design and compliance test of Certegy's
processing system.

12.0 Data Transmission. Financial Institution, at its expense, shall be
responsible, and shall bear the risk of loss or damage, for transmission of
information and data ("Data") to and from Certegy's data processing center. In
the case of physical transmission, Financial Institution shall bear the risk of
loss and damage to the point where and until Certegy signs a receipt for the
Data, and in the case of electronic transmission, until Certegy confirms
receipt. Certegy's responsibility for the safekeeping and security of plastics
commences upon the delivery of such plastics to Certegy and terminates upon
delivery of plastics by Certegy to the U.S. mail, courier or freight
representatives designated by Financial Institution.

13.0 Records Inspection. Information and records concerning Bancard or the
Financial Institutions in the possession of Certegy shall be available for
inspection and audit by representatives of Bancard and each of the Financial
Institutions upon presentation of written authorization, upon reasonable notice
and during normal business hours. Information and records in the possession of
Certegy concerning a Financial Institution or a customer of a Financial
Institution, shall be available for inspection and audit by representatives of
such Financial Institution upon presentation of written authorization, upon
reasonable notice and during normal business hours.

14.0 Changes to the Program Services. Should Bancard request a change in any of
the Program Services that would require modification of hardware or software
utilized by Certegy, then Certegy and Bancard agree to negotiate whether and
upon what terms and conditions such modifications shall be provided, if at all.
Certegy reserves the right to make changes to the Program Services so long as
Bancard will continue to be able to meet its obligations to Financial
Institutions and their customers.

15.0 Government Inspection. Certegy shall permit those governmental agencies
which regulate and examine Bancard and the Financial Institutions to examine
Certegy, its books and records, to the same extent as if the Program Services
were being performed by Bancard or the Financial Institutions on its own
premises.

16.0 Insurance.

                                      -14-

<PAGE>

16.1 Forms and Limits. Certegy represents that it has the following minimum
limits of insurance coverage currently in effect ("Insurance Coverage") and that
premiums therefor shall be paid when due:

<TABLE>
<CAPTION>
Limits Forms
------------
<S>                                     <C>
General Liability - Basic (a)           $   500,000
General Liability - Excess              $15,000,000
Errors and Omissions (b)                $ 5,000,000
EDP Extra Expense (c)                   $ 1,500,000
Employee Dishonesty - Basic (d)         $    50,000
Employee Dishonesty - Excess            $ 5,000,000
</TABLE>

Upon Bancard's request, Certegy annually will provide certificates of coverage
evidencing the Insurance Coverage.

16.2 Maintenance of Policies and Endorsements. Certegy agrees to maintain the
Insurance Coverage at no less than the above-stated minimum Limits during the
Renewal Term and any subsequent renewal terms, between Certegy and Bancard.
Certegy shall maintain Endorsements naming Bancard as Loss Payee, as agent for
Financial Institutions, on all Certegy insurance policies which provide coverage
for losses incurred by Financial Institutions resulting from, or arising out of,
employee dishonesty. The Endorsements shall be in a form acceptable to Bancard.

16.3 Involuntary Changes of Coverage. Should the Insurance Coverage, or any
portion thereof, be involuntarily terminated or modified without the consent of
Certegy, Certegy shall replace such terminated or modified portions of the
Insurance Coverage prior to final termination or modification, or as soon
thereafter as commercially possible. In the event of involuntary termination or
modification, Certegy shall notify Bancard immediately, but in no event later
than three (3) days following receipt of notice by the Chief Financial Officer
of Certegy of the termination or modification.

16.4 Premium Expense not a Defense. It is expressly understood and agreed that
premium expense shall not be a valid reason for Certegy's failure to maintain,
renew, replace or selfinsure the Insurance Coverage.

16.5 Consent to Change Coverage. It is expressly understood and agreed that
Certegy may not reduce the Limits below those stated above or discontinue or
terminate the

                                      -15-

<PAGE>

Insurance Coverage for any reason without prior notice to, and the express
written consent of, Bancard, which consent shall not be unreasonably withheld.

17.0 Backup Provisions. Certegy will maintain dual Central Processing Units in
its computer data center, will provide off-premises secured storage of data and
program files as required by VISA, MasterCard and applicable state and federal
regulations, and will have available redundant sources of electrical power. In
the event Certegy is prevented from performing its obligations under this
Agreement through no fault of its own, Certegy shall, through its own
facilities, or suppliers of computer equipment, and/or other processors, provide
processing services for the Program Services of a quality of care, priority and
attention equivalent to that available for Certegy's own work and shall provide
such processing services as promptly as is reasonably possible, but in no event
later than twenty-four (24) hours after interruption of Certegy's performance.

18.0 Arbitration.

18.1 Initiation. All disputes between the parties which are to be resolved by
arbitration as provided hereunder, shall be conducted as hereinafter described.
Either party may institute arbitration by giving written notice to the other
party of its intention to arbitrate, which notice shall contain the name of the
arbitrator selected by the party instituting arbitration, the nature of the
controversy, the remedies sought and any other pertinent matter. Within thirty
(30) days after the giving of such notice, the other party may submit to the
initiating party the name of an arbitrator whom it has appointed and may submit
an answering statement. Within ten (10) days thereafter the two arbitrators so
appointed shall in good faith select a neutral third arbitrator; the three
arbitrators so selected shall resolve the controversy. If the two arbitrators
are unable to agree upon a neutral third arbitrator within the ten (10) day
period, the third arbitrator shall be appointed by the American Arbitration
Association in accordance with its then existing commercial arbitration rules.
If the other party shall refuse or neglect to appoint an arbitrator within the
requisite thirty (30) day period, the arbitrator appointed by the initiating
party shall be empowered to proceed to arbitrate and determine the fact or
matter in controversy as the sole arbitrator, and his award in writing shall be
final, conclusive and binding upon the parties. The arbitrators nominated or
appointed hereunder shall not be parties or affiliates of a party, or associated
with, or employed by, or have the status of, supplier of goods or services to a
party or affiliate of a party.

18.2 The Proceedings. Prior to rendering their decision, the arbitrators shall
afford each of the parties an opportunity, both orally and in writing, to
present any relevant evidence and to present arguments in connection with the
matter in arbitration; provided, however, that the formal rules of evidence
applicable to judicial proceedings shall not apply; and further provided, that
any party submitting written materials shall be required to deliver a copy of
the same to the other party concurrently with the delivery thereof to the
arbitrators, and such other party shall have the opportunity to submit a written
reply, a copy of which will be delivered to the other party concurrently with
the delivery thereof to the arbitrators. Oral argument shall take place only at
a hearing before all of the arbitrators at which all parties are afforded a
reasonable opportunity to be present and to be heard.

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<PAGE>

Unless the time is extended by a majority of the arbitrators, they shall submit
their determination in writing within sixty (60) days after the third arbitrator
is selected, or if only one arbitrator is acting, within sixty (60) days after
the single arbitrator becomes empowered to act alone.

If there are three arbitrators selected, as provided above, an award in writing
signed by any two of them shall be final, conclusive and binding upon the
parties. Any award made pursuant to arbitration may be entered as a judgment by
any court of competent jurisdiction upon the application of any party to said
arbitration.

18.3 Alternating Venues. If arbitration is required to resolve any disputes
between the parties arising under or out of this Agreement, the proceedings to
resolve the first such dispute shall be held in Tampa, Florida, the proceedings
to resolve the second such dispute shall be held in Washington, D.C., and the
proceedings to resolve any subsequent disputes shall alternate between Tampa,
Florida and Washington, D.C.

18.4 Costs and Legal Fees. Each party shall bear its own costs and expenses of
arbitration, except that the fees, costs and expenses of the arbitrator(s) shall
be equally divided. However, upon application by either party, the arbitrator(s)
may award any or all of the total costs and expenses of arbitration, including
legal fees, to one party or may apportion them between the parties.

19.0 MasterCard/VISA Requirements.

19.1 Use of Trademarks.

19.1.1 Certegy shall not use any of the MasterCard trademarks and/or VISA Card
Program Marks (collectively referred to hereafter as "Marks") unless a Financial
Institution is prominently identified by name and city adjacent to such Marks.
No such material may identify Certegy unless Certegy is prominently identified
as an agent or representative of a Financial Institution.

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

19.1.3 Certegy shall indemnify and hold harmless VISA, Bancard and Financial
Institutions from any liability, loss, damage or expense of any kind including
reasonable attorneys' fees, resulting from any failure by Certegy to comply with
all applicable VISA Bylaws and rules and any regulations, procedures or
guidelines, as amended from time to time, including the requirements of this
section 19.0.

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

                                      -17-

<PAGE>

19.3 MasterCard Member Service Provider Requirements.

19.3.1 Certegy agrees to fully comply with all applicable MasterCard Bylaws and
Rules and any operational regulations, procedures or guidelines (collectively
referred to hereafter as "Rules") established from time to time by MasterCard.

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

19.3.3 Certegy will indemnify and hold harmless MasterCard, Bancard and
Financial Institutions from any liability, loss, damage or expense of any kind,
including reasonable attorneys' fees, resulting from any failure by Certegy to
comply with the Rules, as amended from time to time, including the requirements
of this section 19.0.

19.3.4 Certegy shall disclose to Bancard the identity and location of all of its
sales locations and any other MSP or independent party performing part or all of
the services Certegy is contracting with Bancard to provide.

19.3.5 In the event of any inconsistency between any provisions of this section
19.0 and the Rules, the Rules in each instance shall apply.

19.3.6 In addition to the provisions of sections 4.1 and 4.2 above, this
Agreement may be terminated by Bancard in the event of a material breach by
Certegy of the Rules applicable to the Program Services provided by Certegy, and
is terminated automatically in the event of termination of Bancard's applicable
MasterCard license and/or its membership in MasterCard.

19.4 Certegy will provide the Member Bulletins and other materials and services
to Financial Institutions required by VISA (Group Membership) and MasterCard.

20.0 Further Renewal of Agreement.

20.1 Negotiation of Renewal; Notice of Non-renewal. On or before March 31, 2007,
Certegy and Bancard shall commence good faith negotiations with each other
regarding the terms of a renewal of this Agreement. In the event Bancard
determines not to renew this Agreement, Bancard shall provide written notice
thereof to Certegy on or before September 30, 2007. If this Agreement is not
renewed and expires by its own terms, then the applicable provisions of sections
20.2 and 20.3 below shall apply.

20.2 Non-renewal for Failure to Comply with Standards Provisions. If Bancard
does not renew this Agreement because of Certegy's failure to cure a Material
Failure in accordance with the requirements of section 9.0 of this Agreement as
evidenced by Certegy's reports thereon, subject to Bancard's inspection and
audit ("Certegy Failure to Cure"), Certegy agrees that through March 31, 2009,
Certegy, its subsidiaries and affiliates, on their own behalf or as program
administrators for FIBA, shall not, directly or indirectly, engage in Prohibited
Solicitation (as defined in section 4.8 of this Agreement) of Financial
Institutions as customers of Certegy, its subsidiaries,

                                      -18-

<PAGE>

affiliates or as members of FIBA, or as customers of any other entity which is a
customer of Certegy, its subsidiaries, affiliates or FIBA, without the prior
written approval of Bancard; provided, however, that nothing herein shall
restrict (i) Certegy's right to do business with entities which are competitors
of Bancard; and (ii) such competitors' rights to solicit Financial Institutions
as customers.

20.3 Non-renewal for Other Reasons. If Bancard does not renew this Agreement
because of reasons other than a Certegy Failure to Cure, then Bancard shall not
enter into a processing agreement with any other company without having first
made an offer to Certegy to enter into an agreement on the same or better terms
and conditions as such other company is offering to Bancard (the "Competitive
Bid"). "Competitive Bid" shall mean each and every provision of the proposed
agreement by the other company. The Competitive Bid shall be given to Certegy in
writing with a copy of the terms and conditions such other company (which shall
be named) is offering; provided, however, that such other company need not be
named if such other company desires, or is obligated under applicable securities
laws and regulations, to keep its identity confidential. Within fifteen (15)
days after receipt of the Competitive Bid from Bancard, Certegy may, at its
option, elect to accept Bancard's offer and enter into an agreement with Bancard
or may offer Bancard other terms and conditions ("Counter-Proposal") than those
contained in the Competitive Bid and, within fifteen (15) days after receipt of
the Counter-Proposal, Bancard may elect to enter into an agreement with Certegy.
If the offer is not accepted by Certegy or if Certegy's Counter- Proposal is not
accepted by Bancard, (i) Bancard may enter into an agreement with such other
company in strict accordance with the Competitive Bid, and (ii) for the twelve
(12) month period following the expiration and nonrenewal of the Agreement,
Certegy, its subsidiaries and affiliates and FIBA, shall not, directly or
indirectly, engage in Prohibited Solicitation (as defined in section 4.8 above)
of Financial Institutions as customers of Certegy, its subsidiaries, affiliates
or FIBA, or as customers of any other entity which is a customer of Certegy, its
subsidiaries, affiliates or FIBA, without the prior written approval of Bancard;
provided, however, that nothing herein shall restrict (i) Certegy's right to do
business with entities which are competitors of Bancard, and (ii) such
competitors' rights to solicit Financial Institutions as customers.

20.4 Non-renewal Letter to Financial Institutions. If this Agreement is not
renewed in accordance with section 20.2 or 20.3 hereof, then within fourteen
(14) days after either (i) the date notice of non-renewal is given by Bancard in
accordance with section 20.2, or (ii) the earlier of the date Certegy notifies
Bancard that it does not accept Bancard's offer or the expiration of the fifteen
(15) day period described in section 20.3, whichever is applicable, Bancard
shall send to each Financial Institution via first class U.S. mail a letter in
the form attached hereto as Exhibit 3.

20.5 No Effect on Other Certegy Services. Notwithstanding the provisions of
sections 4.8, 20.2 and 20.3 or any other provision of this Agreement to the
contrary, a "Prohibited Solicitation" shall not include, and no Certegy company
shall be prohibited from, marketing and providing services other than VISA or
MasterCard credit, debit or merchant processing or related enhancement services.
A "Prohibited Solicitation" also shall not include the E-Banking Services or any
other services provided by Certegy E-Banking.

21.0 Disposal of Records. Upon expiration or earlier termination of this
Agreement, Certegy will dispose of the information and records pertaining to
Bancard, Financial Institutions and

                                      -19-

<PAGE>

Financial Institutions' customers in any manner Certegy deems appropriate
consistent with applicable VISA and/or MasterCard and federal government
agencies' regulations, unless Bancard, prior to such expiration or termination,
furnishes to Certegy written instructions for the disposition of such
information and records at Bancard's expense.

22.0 Falcon Services. Certegy is party to an agreement with HNC Software, Inc.
("HNC"), in which Certegy has the right to offer HNC's proprietary transaction
account fraud detection systems, commercially known as FalconTM and Falcon
DebitTM (collectively, "Falcon"). Bancard hereby engages Certegy to provide the
Falcon services ("Falcon Services") to all Financial Institutions receiving the
Credit Card Program Services. Bancard shall require all Financial Institutions
receiving the Credit Card Program Services to utilize Falcon through Certegy in
conjunction with such Services. Financial Institutions receiving the Debit Card
Program Services may also choose to receive the Falcon Services under the terms
of this Agreement.

22.1. Falcon Fees. Bancard shall be responsible for either paying or for each
Financial Institution paying, to Certegy, the fees for the Falcon Services (the
"Falcon Fees").

22.2. Responsibilities of Financial Institutions. As agent for each of the
Financial Institutions, Bancard agrees as follows:

22.2.1 Each Financial Institution shall participate, via Certegy, in HNC's Fraud
Control Consortium (the "Consortium"), a cooperative arrangement among credit
and debit card issuers and HNC that permits HNC to collect and analyze data on
credit and debit card fraud for the sole purpose of identifying fraud trends and
fraudulent behavior. Bancard authorizes Certegy to provide to HNC information in
its possession, and Bancard shall provide to Certegy or arrange for Certegy to
receive, on a monthly basis, information from each Financial Institution
requested from time to time by HNC, for use by HNC to update its fraud detection
algorithms. Bancard understands and agrees that as a member of the Consortium
making contributions of data for use by HNC, as requested by Certegy from time
to time, is a requirement for use of Falcon. All Financial Institution data
provided to the Consortium will be subject to the confidentiality provisions set
forth in sections 11.0 and 22.8 of this Agreement. HNC and/or Certegy may make
modifications and updates to Falcon, from time to time, in their sole
discretion.

22.2.2 Each Financial Institution shall participate in periodic confidential
surveys deemed necessary by Certegy to assess Falcon's performance. Subject to
the confidentiality provisions of this Agreement, Bancard, on behalf of itself
and all participating Financial Institutions, authorizes Certegy to provide to
HNC any Financial Institution information deemed reasonably necessary by Certegy
or HNC in connection with the operation of Falcon.

22.2.3 The parameters for operation of Falcon shall be determined from time to
time by Certegy and HNC, as applicable, in their sole discretion, to attempt to
improve the performance of Falcon. Examples of such parameters include, without
limitation, minimum Falcon scores required to trigger an inquiry, prerequisites
to a card block decision and/or initiation of contact by Certegy with Financial
Institutions or cardholders.

                                      -20-

<PAGE>

22.2.4 Bancard and each Financial Institution shall provide Certegy within 30
days of enrollment in Falcon, the names and corresponding valid telephone
numbers for all of its cardholders, and authorize Certegy to contact those
cardholders at any time for the purpose of confirming card transactions. On
behalf of all such Financial Institutions, Bancard acknowledges that neither it,
nor Certegy, will be able to contact Financial Institution's cardholders without
valid telephone numbers, and each Financial Institution must use its best
efforts to obtain and maintain the current telephone number on all of the files
for all of its cardholders, upon request, and to assist Certegy in contacting
cardholders. Bancard authorizes Certegy to contact Financial Institution
cardholders as may be deemed necessary by Certegy in connection with the
operation of Falcon, as well as to block transactions on cards at any time,
regardless of whether Certegy has been able to communicate with the cardholder
or Financial Institution prior to such block, all as contemplated by the then
current Falcon operating procedures. However, while Certegy will use due care
and commercially reasonable efforts in performing those functions, it does not
guarantee that it will always take those actions and shall not be deemed
responsible for failing to take those actions.

Accordingly, Bancard shall arrange for each Financial Institution to always
monitor its Falcon service reports to determine, as the final decision maker,
whether Financial Institution should contact the cardholder and/or block the
account.

22.2.5 Bancard and each Financial Institution shall comply with the requirements
of this section and the current Falcon operating procedures, and as they may be
from time to time amended.

22.3 Certegy's Responsibilities.

22.3.1 Certegy shall arrange for each Financial Institution to have access to
the Falcon Services in connection with provision of the Program Services as
provided herein. Certegy shall provide to Bancard and each Financial Institution
its then-current copy of the Falcon operating procedures which shall include,
but not be limited to: (i) the then- current description of Falcon; (ii) the
operating hours of Certegy's customer service center for Falcon-related
questions; and (iii) procedures for Financial Institutions to utilize the Falcon
service.

22.3.2 Within approximately 15 days following each Financial Institution's
enrollment, Certegy will commence building that Financial Institution's
individual profile for each "Open Account". The profiling period will take
approximately 60 to 90 days (the "Profiling Period"). Upon completion of the
Profiling Period, Certegy will provide Bancard and the Financial Institution
with notice of the date that Falcon will become operational for that Financial
Institution (for each Financial Institution separately, the "Activation Date").
During the profiling period for each financial institution, prior to the
Activation Date, potential fraudulent activity will not be routed to Certegy's
fraud analysts for review. Potential fraudulent activity from financial
institution's cardholders will be reviewed by Certegy only after the Activation
Date for that financial institution.

22.3.3 Certegy shall maintain a customer service center to respond to telephone
calls from Bancard and Financial Institutions regarding the Falcon service.

                                      -21-

<PAGE>

22.3.4 Upon receipt of a Falcon scored transaction that is deemed by Certegy, in
its sole discretion, as being questionable under Falcon, Certegy will twice
attempt to contact the applicable Financial Institution's cardholder within a 24
hour period, as well as block transactions on a card at any time, regardless of
whether Certegy has been able to communicate with the cardholder or Financial
Institution prior to such block, as contemplated by the then current Falcon
operating procedures and subject to subsection 22.4 of this Agreement.

22.4. Disclaimer of Liability. Neither Certegy, HNC nor Bancard shall be
responsible for any losses, damages, or liabilities of any kind or nature,
whether in contract, tort (including negligence), strict liability or under any
other theory, incurred by Financial Institutions, their agents, or any
cardholders, caused by failures, inaccuracies or errors in Falcon's operation,
failure of Falcon to detect fraudulent transactions or other claims associated
with Falcon or the functions and services provided by Certegy, Bancard, or HNC
with respect to the Falcon Services.

In no event shall Certegy, Bancard, or HNC be liable for indirect, special,
incidental, or consequential damages including, but not limited to, lost profits
incurred by Financial Institutions, their agents, or any cardholders in
connection with the Falcon Services. Financial Institutions shall indemnify and
hold Certegy, Bancard and HNC harmless from any liability of any kind or nature,
fees (including reasonable attorneys' fees) and expenses resulting, directly or
indirectly, from any claim by Financial Institution cardholders based upon the
use of Falcon Services. Certegy, for itself and on behalf of Bancard and HNC,
disclaims all warranties with respect to the Falcon Services provided pursuant
to this section, both express and implied including, but not limited to, any
implied warranty of merchantability and warranty of fitness for a particular
purpose.

The Falcon Services are provided "as is" with no warranties or representations
by any party.

22.5. Ownership of Computer Programs and Related Documentation; Disposal of
Records. All computer programs and related documentation used or supplied by
Certegy and/or HNC to provide Bancard and Financial Institutions with access to
Falcon are subject to the proprietary rights of Certegy and HNC respectively, as
well as the confidentiality provisions of this Agreement. This section shall in
no way be construed to grant any right, license or authorization to Bancard or
to any Financial Institution to use the computer programs and/or related
documentation used or supplied by Certegy or HNC for any purpose except as
permitted herein.

22.7 Trademark Usage. Bancard, on its own behalf and as agent for each Financial
Institution, shall not utilize trademarks of either Certegy or HNC (the "Marks")
without first receiving Certegy's prior written consent and identifying the Mark
as owned by Certegy or HNC, as applicable. HNC's Marks include, without
limitation, FalconTM, Falcon Debit TM, Falcon Expert Reason TM, ReporterTM and
DeployNetTM. Bancard's and Financial Institution's use of the Marks shall be in
accordance with Certegy's and HNC's trademark usage policies in effect from time
to time, as applicable. Nothing contained herein shall give Bancard or any
Financial Institution any interest in any Marks.

22.8 Confidentiality of Falcon. Bancard, on behalf of itself and all Financial
Institutions, and Certegy, each agrees to hold in strictest confidence any
information and material which is related to the other party's business,
software systems or information and material which is designated as proprietary
and confidential herein or otherwise, by any party in connection with the

                                      -22-

<PAGE>

Falcon Services. Such information shall be treated as Confidential Information.
Neither party nor any Financial Institution shall use such Confidential
Information of the other party other than for the specific purposes of the
Falcon Service. Confidential Information shall also include information obtained
by HNC directly from each Financial Institution, pursuant to Financial
Institution's participation in the Consortium, through Bancard, or otherwise.
Each party's obligations of confidentiality under this section shall survive the
expiration or earlier termination of this Agreement. Without limiting the
generality of the foregoing, Certegy and Bancard, for itself and each Financial
Institution, agree:

(a) Not to disclose or permit any other person or entity access to any
Confidential Information, except that such disclosure or access shall be
permitted to any employee, agent, representative or independent contractor of
such party requiring access to the same in the course of his or her employment
or services to the extent reasonably required to carry out the purposes of the
Falcon Service;

(b) To ensure that its employees, agents, representatives, and independent
contractors who are given access to any Confidential Information of the other
party are advised of the confidential nature of such information and are
precluded from taking any action prohibited under section 11.0 herein;

(c) Not to alter or remove any identification, copyright or proprietary rights
notice which indicates the ownership of any part of any Confidential Information
of another party;

(d) To notify the other party promptly and in writing of the circumstances
surrounding any possession, use or knowledge of any Confidential Information of
the other party by any person or entity other than those authorized by this
Agreement; and For purposes of this section 22.8 only, the term "Certegy" shall
include both Certegy and HNC. Certegy represents and warrants to Bancard that,
by the terms of its agreement with HNC, HNC is subject to the confidentiality
obligations set forth in this section 22.8.

22.9. Use of Falcon; Termination of Falcon Use. Bancard shall require each
credit card issuing Financial Institution to use Falcon during the Renewal
Term(s) of this Agreement. Certegy may terminate the Falcon Services and
Financial Institutions' use of Falcon if Certegy's agreement with HNC is
terminated for any reason, by providing written notice to Bancard and each
Financial Institution utilizing Falcon under this Agreement. In such event,
Certegy will use its best efforts to replace the Falcon Services with another
provider on terms and conditions satisfactory to Bancard.

23.0 Special Programming.

23.1 During the Renewal Term, Certegy shall make programming time available to
Bancard, at a maximum rate of 1,500 hours per year, cumulative to a maximum of
4,000 hours, to implement additional system features and functions (the
"Modifications") to the Program Services

                                      -23-

<PAGE>

provided by Certegy to Financial Institutions. Certegy's duties under this
section shall terminate in the event Bancard provides notice of nonrenewal
pursuant to section 20.1.

23.2 Within 30 days after receiving written notice from Bancard requesting a
Modification (the "Modification Request"), Certegy will provide written notice
to Bancard regarding whether or not the Modification can be made. Any
Modification Request should include a written description of the proposed
Modification.

23.3 Certegy expressly reserves the right to assign any Modification for
completion to the appropriate skill required.

23.4 No right, title, license or other interest is conveyed to Bancard as a
result of or in the Modifications. The exclusive right of ownership, including
industrial ownership and literary and artistic ownership, relating to the
Certegy system and any Modification is, and shall remain, the exclusive property
of Certegy. To the extent that Bancard may, under applicable law, be entitled to
claim an ownership interest in the Modifications, Bancard assigns, transfers,
grants, conveys, and relinquishes exclusively to Certegy, without the necessity
of further consideration, all of its right, title and interest in the
Modifications.

24.0 Users Group Meetings. Certegy will support and help fund up to five (5)
state/regional Bancard Users group meetings each calendar year. This includes
Certegy's commitment to the current number of sessions and includes the cost of
the meeting rooms, meals, AV equipment and other hotel expenses. Certegy will
continue to host the Merchant Focus Group and the Bankers Banks meetings in St.
Petersburg and reimburse for one person per institution for two nights of hotel
expense. Certegy will continue to supply trainers for the seminars and will
provide a Relations representative when available or when there are at least 15
Financial Institutions in attendance.

25.0 Financial Institution Benefit Association. Bancard agrees that it shall
sign a Financial Institution Benefit Association, Inc. ("FIBA") Membership
Agreement in the form attached hereto as Exhibit 3, on behalf of itself and the
Financial Institutions. Bancard agrees to require that each Financial
Institution be bound by the terms of the FIBA Membership Agreement and that each
shall be a Sponsoring Member of FIBA as that term is defined in the FIBA
Membership Agreement. Each Financial Institution, as a Sponsoring Member of
FIBA, can make available to its customers any of the benefits of FIBA membership
by signing individual FIBA Riders to the FIBA Membership Agreement.

26.0 Legal Compliance and Indemnification.

26.1 Sample Forms. As a convenience to Bancard and the Financial Institutions
which issue VISA or MasterCard credit cards, Certegy shall provide to Bancard
for the Financial Institutions samples of (i) applicable terms and conditions of
credit card issuance and use; and (ii) required federal Truth-In-Lending
disclosures. All sample forms are provided with no express or implied
representation or warranty as to their compliance with applicable state or
federal law or

                                      -24-

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appropriateness for use by Financial Institutions, and Financial Institutions
shall have the responsibility for overall approval of such materials.

26.2 Financial Institution Responsibility. Bancard will require that each
Financial Institution is responsible for its compliance with all laws, rules and
regulations applicable to their performance of operations of its VISA and/or
MasterCard program including, without limitation, usury laws, the
Truth-In-Lending, Fair Credit Billing, Fair Credit Reporting, Equal Credit
Opportunity, and Electronic Funds Transfer Acts, and all rules and regulations
promulgated thereunder, and all applicable state laws and regulations. Each
party shall cooperate and shall use its best efforts to facilitate Financial
Institutions' compliance.

26.3 Indemnification by Bancard. Bancard agrees to defend, indemnify and hold
harmless Certegy, its affiliates, subsidiaries, successors and assigns, and its
and their stockholders, officers, directors, employees and agents, and to
require all Financial Institutions to defend, indemnify and hold Certegy
harmless from and against all liabilities, claims, damages, losses or expenses,
including attorneys' fees, which arise out of, or in connection with, any
failure of Bancard or the Financial Institutions, as the case may be, to comply
with all applicable laws, rules and regulations including, without limitation,
all disclosures and other requirements under the federal Truth-In-Lending Act,
which indemnity shall be effective regardless of whether a Financial Institution
uses any forms or other materials supplied by Certegy; provided, however, that
Bancard and the Financial Institutions shall have no liability for negligent
acts or omissions by Certegy, its employees, agents or representatives.

26.4 Indemnification by Financial Institution. Bancard shall require each
Financial Institution to defend, indemnify and hold both Bancard and Certegy
harmless from and against any and all liabilities, claims, damages, losses or
expenses, including attorneys' fees, which arise out of or in connection with,
the transfer of any data or the performance of any vendor, as contemplated by
section 3.2 of this Agreement. Notwithstanding anything to the contrary in this
section 26.0, each Financial Institution shall be solely responsible for
providing any and all required debit card disclosures and forms to its
customers. Each Financial Institution shall be solely responsible for compliance
with all applicable laws, rules, and regulations applicable to all aspects of
the operations of its VISA debit card programs, regardless of whether Financial
Institution uses any forms or other materials supplied by Certegy.

26.5 Indemnification by Certegy. Certegy agrees to defend, indemnify and hold
harmless Bancard, its affiliates, subsidiaries, successors and assigns and its
and their stockholders, officers, directors, employees and agents from and
against all liabilities, claims, damages, losses, expenses and fees, including
attorneys' fees, which arise out of or in connection with any failure of Certegy
to comply with all laws, rules and regulations applicable to it pursuant to the
provisions of this Agreement or the standards established by Visa and
MasterCard, including the transfer of data as contemplated by section 3.2 of
this Agreement.

26.6 Limitation on Indemnities. Indemnities under this section 26.0 shall be in
addition to any right of indemnification or other rights or remedies which any
party may otherwise have under this Agreement or applicable law.

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27.0 Limitations on Damages. In any action by one of the parties against the
other arising from performance, or the failure of performance, or in connection
with the indemnity provisions of this Agreement, damages, liabilities, costs,
losses, expenses, claims and fees will be limited to direct money damages,
losses, expenses, costs, fees, including attorneys' fees, and statutory
penalties, if any imposed, in an amount not to exceed such amount actually
incurred by the party. In no case will one party be responsible to another for
special, incidental, consequential or exemplary damages, except as a result of a
willful breach of this Agreement.

28.0 Distribution to Financial Institutions. Within thirty (30) days after the
execution of this Agreement by both parties, Bancard shall distribute copies of
this Agreement to all Financial Institutions by certified mail or by courier,
and shall obtain a receipt for each delivery, and shall advise each that (a)
this Agreement supersedes the 1994 Renewal Agreement, as amended, (b) each of
them is bound by the relevant provisions of this Agreement in accordance with
section 2 of their Financial Services Agreement with Bancard, and (c) the term
of their Financial Services Agreement remains concurrent with the Renewal Term.

29.0 Agent Bank Agreements. Bancard shall require each Financial Institution
that enters into agreements with other financial institutions ("Agent Banks")
whereby, among other things, the Agent Bank shall agree to (a) make Financial
Institution's VISA and/or MasterCard card available to its customers and/or (b)
enroll merchants in Financial Institution's merchant program, to be a party to a
written agreement with Bancard ("Agent Bank Agreement"). Bancard shall require
that each Agent Bank be a party to an Agent Bank Agreement. The Agent Bank
Agreement shall require that the Financial Institution obtain the signature of
each Agent Bank as a party to that Agreement prior to commencement of services
to that Agent Bank. The Agent Bank Agreement also shall provide that the
Financial Institution is, and shall remain, fully responsible for the selection,
monitoring and financial responsibility of the Agent Banks and for their
compliance with the terms of the Financial Services Agreement and this
Agreement, as applicable, in the same manner and to the same extent as Financial
Institution. The Agent Bank Agreement also shall contain the agreement of each
Agent Bank that shall enroll merchants in Financial Institution's merchant
program to indemnify and hold harmless Certegy [under language comparable to
that in section 8.4 above] with respect to Sales Drafts which arise from
transactions from merchants enrolled by Agent Bank in Financial Institution's
merchant program.

30.0 Guarantees of Certegy Inc. The Guarantee and Indemnity of Certegy Inc.,
currently in effect, which guarantees the full and faithful performance by
Certegy of all its obligations under the 1994 Renewal Service Agreement which
result from, or arise out of, employee dishonesty, and indemnifies Bancard and
Financial Institutions against liability, loss or damage resulting therefrom,
shall remain in full force and effect in accordance with its terms.

31.0 No Waiver. No action taken pursuant to this Agreement by either party shall
be deemed to constitute a waiver of compliance with any representation,
warranty, covenant, obligation or agreement contained in this Agreement, and
shall not operate or be construed as a waiver of any subsequent breach, whether
of a similar or dissimilar nature.

                                      -26-

<PAGE>

32.0 Force Majeure. In the event Certegy is unable to timely perform its
obligations hereunder due to causes that are beyond its control, including
without limitation, strikes, riots, earthquakes, epidemics, war, fire, or any
other catastrophe rendering its data processing center wholly or partially
inoperable, Certegy shall not be liable for any loss or damage which results to
Bancard, Financial Institutions or their customers.

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

34.0 Entire Agreement; Construction. This Agreement constitutes the entire
understanding and agreement of the parties with respect to the subject matter of
this Agreement, and any and all other prior agreements, understandings, or
representations are hereby terminated and cancelled in their entirety and are of
no further force and effect. This Agreement shall not be construed more strongly
against either party regardless of which is more responsible for its
preparation.

35.0 Modification or Amendments. Except as otherwise provided for herein, no
amendment or modification of this Agreement shall be valid unless in writing and
signed by all of the parties hereto.

36.0 Assignment. Bancard may freely assign its rights and obligations hereunder
to any organization which is majority owned directly or indirectly by the
Independent Community Bankers of America. Upon any such intended assignment,
Bancard shall provide Certegy with advance notice. In no event shall such an
assignment or transfer be deemed a termination for purposes of section 4.0
hereof. Otherwise, neither Certegy nor Bancard may assign its rights or
obligations hereunder without the prior written consent of the other, which
consent shall not be unreasonably withheld. Any unauthorized assignment shall be
void.

37.0 Notices. Any and all notices, demands or other communications required or
desired to be given hereunder by any party shall be in writing and shall be
validly given or made to another party if served either personally or if
deposited in the United States mail, certified or registered, postage prepaid,
return receipt requested. If such notice, demand or other communication be
served personally, service shall be conclusively deemed made at the time of such
personal service. If such notice, demand or other communication be given by
mail, such shall be conclusively deemed given forty-eight (48) hours after the
deposit thereof in the United States mail addressed to the party to whom such
notice, demand, or other communication is to be given as hereinafter set forth:

To Certegy: Certegy Card Services, Inc.
11720 Amberpark Drive
Alpharetta, GA 30004
Attention: Lee A. Kennedy
President and CEO

                                      -27-

<PAGE>

With a Copy To:
To Bancard:
With a Copy To:

38.0. Attorneys' Fees. In the event any action be instituted by a party to
enforce any of the terms and provisions contained herein, the prevailing party
in such action shall be entitled to such reasonable attorneys' fees, costs and
expenses as may be fixed by the Court.

39.0. Captions. The section captions in this Agreement are for convenience only
and shall not bear on the interpretation of the terms of this Agreement. IN
WITNESS WHEREOF, the parties hereto have executed this 2003 Renewal Service
Agreement as of the Effective Date.

ICBA BANCARD, INC.,
a Delaware corporation

By: /s/ Linda F. Echard
    ---------------------------------
    Linda F. Echard,
    President and CEO
    Certegy Law Department

11601 Roosevelt Blvd. TA-41
St. Petersburg, FL 33716-2202
Attention: Norman E. Gamble

ICBA Bancard, Inc.
Suite 400
2107 Wilson Boulevard
Arlington, VA 22201
Attention: Linda F. Echard
President

Powell, Goldstein, Frazer & Murphy LLP
1001 Pennsylvania Avenue, N.W.
Washington, D.C. 20004
Attention: Leonard J. Rubin, Esq.

CERTEGY CARD SERVICES, INC.,
a Florida corporation

By: /s/ Lee Kennedy
    ---------------------------------
    Lee A. Kennedy,
    President and CEO

                                      -28-
<PAGE>
                                    EXHIBIT 1
            2003 RENEWAL SERVICE AGREEMENT, DATED AS OF JUNE 1, 2003,
           BETWEEN ICBA BANCARD, INC. AND CERTEGY CARD SERVICES, INC.

                                SCHEDULE LISTING

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

                                    EXHIBIT 2
            2003 RENEWAL SERVICE AGREEMENT, DATED AS OF JUNE 1, 2003,
           BETWEEN ICBA BANCARD, INC. AND CERTEGY CARD SERVICES, INC.

                            QUALITY CONTROL STANDARDS

[This Exhibit has been omitted in its entirety and filed separately with the
Securities and Exchange Commission as part of an application for confidential
treatment pursuant to the Securities Exchange Act of 1934, as amended.]
<PAGE>
                                    EXHIBIT 3
            2003 RENEWAL SERVICE AGREEMENT, DATED AS OF JUNE 1, 2003,
           BETWEEN ICBA BANCARD, INC. AND CERTEGY CARD SERVICES, INC.

     FORM OF LETTER TO FINANCIAL INSTITUTIONS OF NON-RENEWAL OR TERMINATION

Intentionally omitted by the parties.

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