Document:

EXECUTION VERSION

                              ASSUMPTION AGREEMENT

     ASSUMPTION AGREEMENT dated as of May 1, 2007, made by the parties listed on
Schedule I hereto (each an "Additional Grantor"), in favor of Credit Suisse,
Cayman Islands Branch ("Credit Suisse"), as administrative agent and collateral
agent (in such capacities and together with its successors, the "Agent") for (i)
the banks and other financial institutions and entities (the "Lenders") parties
to the Credit Agreement referred to below, and (ii) the other Secured Parties
(as defined in the Guarantee and Collateral Agreement (as hereinafter defined)).
All capitalized terms not defined herein shall have the meaning ascribed to them
in such Credit Agreement.

                                   WITNESSETH:

     WHEREAS, Clarke American Corp. (to be renamed Harland Clarke Holdings
Corp.), a Delaware corporation (the "Borrower"), certain Subsidiaries of the
Borrower from time to time party thereto (each a "Subsidiary Co-Borrower"), the
Lenders from time to time party thereto, and Credit Suisse, as Agent, have
entered into a Credit Agreement dated as of April 4, 2007 (as amended, restated,
supplemented or otherwise modified from time to time, the "Credit Agreement");

     WHEREAS, in connection with the Credit Agreement, the Borrower and certain
of its Subsidiaries (including the Subsidiary Co-Borrowers) have entered into
that certain Guarantee and Collateral Agreement dated as of May 1, 2007 (as
amended, restated, supplemented or otherwise modified from time to time, the
"Guarantee and Collateral Agreement") in favor of the Collateral Agent for the
benefit of the Secured Parties;

     WHEREAS, the Credit Agreement requires each Additional Grantor to become a
party to the Guarantee and Collateral Agreement; and

     WHEREAS, each Additional Grantor has agreed to execute and deliver this
Assumption Agreement in order to become a party to the Guarantee and Collateral
Agreement;

     NOW, THEREFORE, IT IS AGREED:

          1. Guarantee and Collateral Agreement. By executing and delivering
this Assumption Agreement, each Additional Grantor, as provided in Section 8.14
of the Guarantee and Collateral Agreement, hereby becomes a party to the
Guarantee and Collateral Agreement as a Grantor thereunder with the same force
and effect as if originally named therein as a Grantor and, without limiting the
generality of the foregoing, hereby expressly assumes all obligations and
liabilities of a Grantor thereunder. The information set forth in Annex 1 hereto
is hereby added to the information set forth in the Schedules to the Guarantee
and Collateral Agreement. Each Additional Grantor hereby represents and warrants
that each of the representations and warranties contained in Section 4 of the
Guarantee and Collateral Agreement is true and correct on and as the date hereof
(after giving effect to this Assumption Agreement) as if made on and as of such
date.

          2. GOVERNING LAW. THIS ASSUMPTION AGREEMENT SHALL BE GOVERNED BY, AND
CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK.

     IN WITNESS WHEREOF, the undersigned has caused this Assumption Agreement to
be duly executed and delivered as of the date first above written.

                                        JOHN H. HARLAND COMPANY

                                        By: /s/ Peter A. Fera, Jr.
                                            ------------------------------------
                                        Name:  Peter A. Fera, Jr.
                                        Title: Executive Vice President and
                                               Chief Financial Officer

                                        HARLAND CHECKS AND SERVICES, INC.

                                        By: /s/ Peter A. Fera, Jr.
                                            ------------------------------------
                                        Name:  Peter A. Fera, Jr.
                                        Title: Executive Vice President and
                                               Chief Financial Officer

                                        SCANTRON CORPORATION

                                        By: /s/ Edward P. Taibi
                                            ------------------------------------
                                        Name:  Edward P. Taibi
                                        Title: Vice President and Assistant
                                               Secretary

                                        HARLAND FINANCIAL SOLUTIONS, INC.

                                        By: /s/ Edward P. Taibi
                                            ------------------------------------
                                        Name:  Edward P. Taibi
                                        Title: Vice President and Assistant
                                               Secretary

                                        HFS CORE SYSTEMS, INC.

                                        By: /s/ Edward P. Taibi
                                            ------------------------------------
                                        Name:  Edward P. Taibi
                                        Title: Vice President and Assistant
                                               Secretary

                                        CENTRALIA HOLDING CORP.

                                        By: /s/ Peter A. Fera, Jr.
                                            ------------------------------------
                                        Name:  Peter A. Fera, Jr.
                                        Title: Executive Vice President and
                                               Chief Financial Officer

                                        JOHN H. HARLAND COMPANY OF PUERTO RICO

                                        By: /s/ Peter A. Fera, Jr.
                                            ------------------------------------
                                        Name:  Peter A. Fera, Jr.
                                        Title: Executive Vice President and
                                               Chief Financial Officer

                                        Acknowledged and accepted:

                                        CREDIT SUISSE, CAYMAN ISLANDS
                                        BRANCH, as Agent

                                        By: /s/ Robert Hetu
                                            ------------------------------------
                                        Name:  Robert Hetu
                                        Title: Managing Director

                                        By: /s/ Denise L. Alvarez
                                            ------------------------------------
                                        Name:  Denise L. Alvarez
                                        Title: Associate

                                                                         Annex 1

                          SUPPLEMENTAL SCHEDULES TO THE
                       GUARANTEE AND COLLATERAL AGREEMENT

                                                                   SCHEDULE I TO
                                                            ASSUMPTION AGREEMENT

                                   SCHEDULE I

1.   John H. Harland Company, a Georgia corporation (to be reorganized and
     renamed as Harland Clarke Corp., a Delaware corporation)

2.   Harland Checks and Services, Inc., a Georgia corporation

3.   Scantron Corporation, a Delaware corporation

4.   Harland Financial Solutions, Inc., an Oregon corporation

5.   HFS Core Systems, Inc., a Delaware corporation

6.   Centralia Holding Corp., a Georgia corporation

7.   John H. Harland Company of Puerto Rico, a Georgia corporationEXECUTION VERSION

                    INTELLECTUAL PROPERTY SECURITY AGREEMENT

     This INTELLECTUAL PROPERTY SECURITY AGREEMENT, dated as of May 1, 2007 (as
may be amended, restated, supplemented, replaced or otherwise modified from time
to time, the "Intellectual Property Security Agreement"), is made by each of the
signatories hereto (collectively, the "Grantors") in favor of Credit Suisse,
Cayman Islands Branch, as administrative agent and collateral agent (in such
capacity and together with its successors, the "Agent") for the Secured Parties
(as defined in the Guarantee and Collateral Agreement referred to below).

     A. Clarke American Corp. (to be renamed Harland Clarke Holdings Corp.), a
Delaware corporation (the "Borrower") and the subsidiaries of the Borrower from
time to time party thereto as Subsidiary Co-Borrowers have entered into a Credit
Agreement, dated as of April 4, 2007 (as may be amended, restated, supplemented,
replaced or otherwise modified from time to time, the "Credit Agreement"), with
the banks, financial institutions and other entities (the "Lenders") from time
to time party thereto and the Agent.

     B. It is a condition precedent to the obligation of the Lenders to make
their respective extensions of credit to the Borrower under the Credit Agreement
that the Grantors shall have executed and delivered that certain Guarantee and
Collateral Agreement, dated as of May 1, 2007 in favor of the Agent (as amended
pursuant to that certain Assumption Agreement dated as of May 1, 2007, executed
by the signatories hereto, and as may otherwise be amended, restated,
supplemented, replaced or otherwise modified from time to time, the "Guarantee
and Collateral Agreement"). Capitalized terms used and not defined herein have
the meanings given such terms in the Credit Agreement or the Guarantee and
Collateral Agreement, as applicable.

     C. Under the terms of the Guarantee and Collateral Agreement, the Grantors
have granted a security interest in the Collateral, including, without
limitation, certain Intellectual Property of the Grantors, to the Agent for the
benefit of the Secured Parties, and have agreed as a condition thereof to
execute this Intellectual Property Security Agreement for recording with the
United States Patent and Trademark Office, the United States Copyright Office,
and other applicable Governmental Authorities.

     NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the Grantors agree as follows:

SECTION 1. GRANT OF SECURITY.

     Each Grantor hereby grants to the Agent, for the ratable benefit of the
Secured Parties, a security interest in all of the following ( the "Intellectual
Property Collateral") of such Grantor, now owned or at any time hereafter
acquired by such Grantor or in which such Grantor now has or at any time in the
future may acquire any right, title or interest, as collateral security for the
prompt and complete payment and performance when due (whether at the stated
maturity, by acceleration or otherwise) of such Grantor's Obligations:

          (a) (i) all United States, State and foreign trademarks, service
marks, trade names, corporate names, company names, business names, fictitious
business names, trade styles, trade dress, domain names, logos and other source
or business identifiers, whether registered or unregistered, all registrations
and recordings thereof, and all applications in

connection therewith, whether in the United States Patent and Trademark Office
or in any similar office or agency of the United States, any State thereof or
any other country, union of countries, or any political subdivision of any of
the foregoing, or otherwise, and all common-law rights related thereto,
including the registrations and applications listed on Schedule A attached
hereto, except for "intent-to-use" applications for trademark or service mark
registrations filed pursuant to Section 1(b) of the Lanham Act, 15 U.S.C.
Section. 1051, unless and until an Amendment to Allege Use or a Statement of Use
under Section 1(c) or Section 1(d) of the Lanham Act has been filed, to the
extent that any assignment of an "intent-to-use" application prior to such
filing would violate the Lanham Act or cause the trademark that is the subject
thereof to be invalidated or abandoned (ii) all renewals thereof and the right
to obtain all renewals thereof, (iii) the right to sue or otherwise recover for
past, present and future infringements or dilutions of any of the foregoing or
for any injury to goodwill, (iv) all proceeds of the foregoing, including all
royalties, income, payments, claims, damages and proceeds of suit now and
hereafter due and/or payable with respect thereto, including payments under all
licenses entered into in connection therewith, and damages and payments for
past, present or future infringements or dilutions thereof, and (v) all other
rights of any kind whatsoever accruing thereunder or pertaining thereto
throughout the world, together in each case with the goodwill of the business
connected with the use of, and symbolized by, each of the above;

          (b) (i) all patents of the United States, any other country, or union
of countries or any political subdivision of any of the foregoing, and all
applications in connection therewith, including all patents and patent
applications in the United States Patent and Trademark Office (including those
listed on Schedule B attached hereto), (ii) all reissues, extensions, divisions,
continuations and continuations-in-part thereof, and the right to obtain all
reissues and extensions thereof, (iii) all inventions (whether or not
patentable) and all improvements thereof, (iv) the right to sue or otherwise
recover for past, present and future infringements of any of the foregoing, (v)
all proceeds of the foregoing, including all royalties, income, payments,
claims, damages and proceeds of suit now and hereafter due and/or payable with
respect thereto (including payments under all licenses entered into in
connection therewith, and damages and payments for past, present or future
infringements thereof), and (vi) all other rights of any kind whatsoever
accruing thereunder or pertaining thereto throughout the world;

          (c) (i) all copyrights arising under the laws of the United States,
any other country, or union of countries, or any political subdivision of any of
the foregoing, whether registered or unregistered and whether or not the
underlying works of authorship have been published, all registrations and
recordings thereof, and all applications in connection therewith, including all
registrations, recordings and applications in the United States Copyright Office
(including those registrations and applications listed on Schedule C attached
hereto), (ii) all extensions and renewals thereof, and the right to obtain all
extensions and renewals thereof, (iii) the right to sue or otherwise recover for
past, present and future infringements of any of the foregoing, (iv) all
proceeds of the foregoing, including all royalties, income, payments, claims,
damages, and proceeds of suit now or hereafter due and/or payable with respect
thereto, including, without limitation, payments under all licenses entered into
in connection therewith, and damages or payments for past, present or future
infringements thereof, and (v) all other rights of any kind whatsoever accruing
thereunder or pertaining thereto throughout the world; and

          (d) solely to the extent that any Grantor has recorded its interest
therein with the United States Copyright Office or the United States Patent and
Trademark Office, exclusive Trademark Licenses, exclusive Patent Licenses and
exclusive Copyright Licenses, including those agreements listed on Schedule D
attached hereto, and all rights to sue or otherwise recover at law or in equity
for any past, present and future infringement, misappropriation, dilution or
other impairment thereof, including the right to receive all proceeds and
damages therefrom.

SECTION 2. RECORDATION.

     Each Grantor authorizes and requests that the United States Commissioner of
Patents and Trademarks, the United States Register of Copyrights or any other
applicable government officer record this Intellectual Property Security
Agreement.

SECTION 3. EXECUTION IN COUNTERPARTS.

     This Intellectual Property Agreement may be executed in any number of
counterparts, each of which when so executed shall be deemed to be an original
and all of which taken together shall constitute one and the same agreement.

SECTION 4. GOVERNING LAW.

     This Intellectual Property Security Agreement shall be construed in
accordance with and governed by the laws of the State of New York, without
regard to its conflicts of law provisions.

SECTION 5. CONFLICT PROVISION.

     This Intellectual Property Security Agreement has been entered into in
conjunction with the Guarantee and Collateral Agreement and the Credit
Agreement. Each Grantor hereby acknowledges and affirms that the rights and
remedies of the Agent with respect to the security interest in the Intellectual
Property Collateral are more fully set forth in the Guarantee and Collateral
Agreement and the Credit Agreement, all terms and provisions of which are
incorporated by reference herein as if fully set forth herein. In the event that
any provisions of this Intellectual Property Security Agreement are in conflict
with the Guarantee and Collateral Agreement or the Credit Agreement, the
provisions of the Guarantee and Collateral or the Credit Agreement, as
applicable, shall govern.

     IN WITNESS WHEREOF, each of the undersigned has caused this Intellectual
Property Security Agreement to be duly executed and delivered as of the date
first above written.

                                           B2DIRECT, INC.

                                           By /s/ Peter A. Fera, Jr.
                                              -------------------------------
                                              Name: Peter A. Fera, Jr.
                                              Title: Executive Vice President
                                                     and Chief Financial Officer

                                           CHECKS IN THE MAIL, INC.

                                           By /s/ Peter A. Fera, Jr.
                                              -------------------------------
                                              Name: Peter A. Fera, Jr.
                                              Title: Executive Vice President
                                                     and Chief Financial Officer

                                           CLARKE AMERICAN CHECKS, INC.

                                           By /s/ Peter A. Fera, Jr.
                                              -------------------------------
                                              Name: Peter A. Fera, Jr.
                                              Title: Executive Vice President
                                                     and Chief Financial Officer

                                   SCHEDULE A

                                   TRADEMARKS

                                   SCHEDULE B

                                     PATENTS

                                   SCHEDULE C

                                   COPYRIGHTS

                                   SCHEDULE D

           TRADEMARK LICENSES, PATENT LICENSES AND COPYRIGHT LICENSES

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