Document:

<PAGE>

                                                                   EXHIBIT 10.64

[Confidential treatment is being sought for certain portions of this exhibit, as
indicated by a"[*]" symbol and footnoted as "omitted pursuant to Rule 24b-2."
Such omitted portions have been filed with the Securities and Exchange
Commission.]

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

               MASTER SERVICES AND INTELLECTUAL PROPERTY AGREEMENT

                                     BETWEEN

                  FIDELITY NATIONAL INFORMATION SOLUTIONS, INC.

                                       AND

                        FIDELITY NATIONAL FINANCIAL, INC.

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

<PAGE>

                                TABLE OF CONTENTS
<TABLE>
<S>                                                                          <C>
1.0    DEFINITIONS  ..........................................................3

2.0    DEVELOPMENT OF TECHNOLOGY AND SERVICES.................................6

3.0    TRANSFER AND DELIVERY OF TECHNOLOGY....................................8

4.0    TESTING AND ACCEPTANCE OF TECHNOLOGY...................................9

5.0    LICENSE GRANTS AND RESTRICTIONS........................................9

6.0    OWNERSHIP OF TECHNOLOGY...............................................10

7.0    INFORMATION SECURITY AND CONTINUITY PLANNING SERVICES.................11

8.0    FNF WEBSITES..........................................................12

9.0    HARDWARE PROCUREMENT..................................................12

10.0   PAYMENTS AND ACCOUNTING...............................................12

11.0   TERM AND TERMINATION..................................................13

12.0   CONFIDENTIAL INFORMATION..............................................14

13.0   REPRESENTATIONS AND WARRANTIES........................................15

14.0   INDEMNIFICATION.......................................................16

15.0   DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY.....................17

16.0   MISCELLANEOUS.........................................................18
</TABLE>

                                       ii

<PAGE>

               MASTER SERVICES AND INTELLECTUAL PROPERTY AGREEMENT

        This MASTER SERVICES AND INTELLECTUAL PROPERTY AGREEMENT (the "MASTER
AGREEMENT") is made effective January 1, 2003 (the "EFFECTIVE DATE") by and
between Fidelity National Information Solutions, Inc., a Delaware corporation
("FNIS"), with a principal place of business at 2510 Red Hill Avenue, Santa Ana,
California 92705, U.S.A., and Fidelity National Financial, Inc., a Delaware
corporation, on behalf and for the benefit of itself and its Affiliates other
than FNIS ("FNF"), with a principal place of business at 4050 Calle Real, Santa
Barbara, California 93110, U.S.A.

                                    RECITALS

        A. FNF is a real estate service company that provides title insurance
and performs other title-related services such as real estate information and
technology services;

        B. FNIS is a comprehensive provider of business communications and
information technology solutions including electronic data processing,
facilities management, systems integration, systems development,
telecommunications and related services;

        C. FNF and MicroGeneral Corporation, a wholly-owned subsidiary of FNIS,
previously entered into a System Development, Maintenance and Information
Technology Services Master Agreement on or about May 23, 2001, as amended and
restated on July 9, 2002;

        D. The parties now desire to terminate such prior agreement and any
other prior agreements between the parties regarding the subject matter hereof
(the "PRIOR AGREEMENTS") and replace them with this Master Agreement; and

        E. The parties desire to set forth the general terms and conditions
under which FNIS will offer communications and information technology services
to FNF and to memorialize the ownership of certain intellectual property;

        NOW, THEREFORE in consideration of the mutual covenants and promises
contained herein, and for other good and valuable consideration, the receipt and
sufficiency of which are hereby mutually acknowledged, the parties to this
Master Agreement (hereinafter collectively, "PARTIES" and individually, a
"PARTY") agree as follows:

                                    AGREEMENT

1.0 DEFINITIONS

        1.1 "Affiliate" means any entity, specifically excluding FNIS, which is
controlled by or under common control with FNF, with "control" meaning ownership
of more than fifty percent (50%) of the voting stock of the entity, or in the
case of a non-corporate entity, an equivalent interest.

        1.2 "Components" means any specific component(s) of the New
Development(s) developed by FNIS hereunder which are not the New Development(s),
whether competitive with the New Development(s) or not.

        1.3 "Confidential Information" means information which is marked as
confidential or proprietary, is identified as confidential or proprietary
through oral communications at the time of the disclosure, or, based on the
circumstances surrounding said disclosure, would be considered confidential or
proprietary by a reasonable party to the disclosure. By way of example but not
limitation, the FNF Data shall be the Confidential Information of FNF, and FNIS
Data shall be the Confidential Information of FNIS. Each party's know-how,
network design and equipment configurations and techniques relating to network
and network management developed or utilized during the course of this Master
Agreement is the Confidential Information of such party. The terms of this
Master

                                       3
<PAGE>

Agreement, including pricing and financial data, discussions, negotiations and
proposals from one party to the other party related directly hereto and invoices
and service records shall be Confidential Information of both parties.
Confidential Information does not include any portion of the Confidential
Information which: (i) is now, or hereafter becomes, through no act or failure
to act on the part of the receiving party, generally known in the industry; (ii)
was possessed by the receiving party without any obligation of confidentiality
prior to receiving the Confidential Information; (iii) is rightfully obtained by
the receiving party without restriction on disclosure; or (iv) is independently
developed by the receiving party without any use of the Confidential
Information.

        1.4 "Data" means all data collected by the parties in accordance with
this Master Agreement or the Prior Agreements, including, but not limited to the
FNF Data and the FNIS Data.

        1.5 "Deliverables" means the software, technology, systems, or other
materials to be developed or delivered by or for FNIS in the course of providing
the Services to FNF during the Term and more fully described in this Master
Agreement, including those described in the applicable Statement(s) of Work.

        1.6 "Documentation" means implementation notes, training materials,
technical reference materials, operating manuals, users' manuals, programming
manuals, modification manuals, flow charts, drawings and software listings
designed to assist a user's or developer's understanding or application of
software, technology, systems or processes.

        1.7 "End User" means a sublicensee and user of the FNIS Sublicensable
Technology who has sublicensed the FNIS Sublicensable Technology directly from
FNF in accordance with this Master Agreement.

        1.8 "FNF Data" means (a) all data or information regarding FNF's
business, including information relating to customers, employees, technology,
operations, facilities, consumer markets, products, capacities, systems,
procedures, security practices, research, development, business affairs and
finances; (b) all data or information regarding or relating to FNF's business
created and compiled by FNF; and (c) the data created and/or generated by the
product(s) set forth under the heading "FNF Data" in Schedule 2 attached hereto
(the "Description of Data") or the applicable Statement of Work.

        1.9 "FNF Hardware" means all hardware which is used by either of the
parties to provide and/or run the Technology in accordance with this Master
Agreement which is identified as "FNF Hardware" in Schedule 3 attached hereto
(the "Description of Hardware") and/or in the Statement(s) of Work as "FNF
Hardware," and/or is purchased, leased, or otherwise acquired by FNIS for or on
behalf of FNF pursuant to performance of Services, including any and all related
Documentation and third-party software procured by FNIS on behalf of FNF to
install and/or run the FNF Hardware pursuant to Section 9.0 hereof (the
"Hardware Procurement").

        1.10 "FNF Service Location" means any site or facility owned, leased or
controlled by FNF, and where Services shall be performed in connection with this
Master Agreement and/or the Statement(s) of Work.

        1.11 "FNF Technology" means (a) FNF Data, (b) FNF proprietary materials
developed by or for FNF prior to the execution of this Master Agreement and
described in Schedule 1 attached hereto (the "Description of Technology") as
"FNF Technology"; and (c) New Development.

        1.12 "FNF Website" means any website, sub-site or technology community
within such website or sub-site created by or for FNF where such website,
sub-site or technology community within such website or sub-site is/are either
owned or controlled by FNF.

        1.13 "FNIS Data" Unless otherwise agreed in a Statement of Work, FNIS
Data means (a) all data or information regarding FNIS' business, including
information relating to customers, employees, technology, operations,
facilities, consumer markets, products, capacities, systems, procedures,
security practices, research, development, business affairs and finances, but
excluding FNF Technology and (b) all data or information regarding

                                       4
<PAGE>

FNIS' business created and compiled by or for FNIS; and (c) the data created
and/or generated by the product(s) set forth under the heading "FNIS Data" in
the Description of Data or the applicable Statement of Work.

        1.14 "FNIS Hardware" means all hardware which is used by either of the
parties to provide and/or run the Technology in accordance with this Master
Agreement which is not purchased by or on behalf of FNF , and/or which is
identified as "FNIS Hardware" in Schedule 3 attached hereto (the "Description of
Hardware" and/or in the Statement(s) of Work as "FNIS Hardware," including any
and all related Documentation and third-party software procured to install
and/or run the FNIS Hardware. FNIS Hardware is wholly owned and operated by FNIS
in its sole discretion.

        1.15 "FNIS Nonsublicensable Technology" means all the technology
described in the Description of Technology and/or in Statement(s) of Work as
"FNIS Nonsublicensable Technology," including any and all related Documentation,
Upgrades, Updates and test suites thereto provided by FNIS to FNF under the
Prior Agreements, this Master Agreement and/or the Statement(s) of Work. FNIS
Nonsublicensable Technology may include FNIS proprietary technology or third
party technology.

        1.16 "FNIS Service Location" means any location owned, leased, or
controlled by FNIS and from or at which FNIS provides Services in connection
with this Master Agreement and/or the Statement(s) of Work, other than FNF
Service Locations.

        1.17 "FNIS Sublicensable Technology" means all the technology and FNIS
Data described in the Description of Technology and/or in Statement(s) of Work
as "FNIS Sublicensable Technology," including any and all related Documentation,
Upgrades, Updates and test suites thereto provided by FNIS to FNF under the
Prior Agreements, this Master Agreement and/or the Statement(s) of Work. FNIS
Sublicensable Technology may include FNIS proprietary technology or third party
technology.

        1.18 "FNIS Technology" means the FNIS Nonsublicensable Technology and
the FNIS Sublicensable Technology.

        1.19 "Intellectual Property Rights" means worldwide common law and
statutory rights associated with (a) patents and patent applications; (b) works
of authorship, including copyrights, copyright applications, copyright
registrations and "moral" rights; (c) the protection of trade and industrial
secrets and confidential information; (d) other proprietary rights relating to
intangible intellectual property; (e) analogous rights to those set forth above;
and (f) divisions, continuations, renewals, re-issuances and extensions of the
foregoing (as applicable) now existing or hereafter filed, issued or acquired.

        1.20 "New Development" means all the technology described in the
Description of Technology and/or developed pursuant to the Statement(s) of Work
as "New Development," including any and all related Documentation, Upgrades,
Updates, and test suites thereto provided by FNIS to FNF under the Prior
Agreements, this Master Agreement and/or the Statement(s) of Work. New
Development includes the Deliverables.

        1.21 "Residuals" means any nonspecific software coding techniques
developed by FNIS in the course of performing Services and maintained in the
unaided human memory of the developer(s).

        1.22 "Services" means all services described in Schedule 4 attached
hereto (the "Description of Services") and/or in the Statement(s) of Work.

        1.23 "Statement of Work" means separate written agreement(s) executed by
the parties which generally follow the suggested form statement of work
guidelines set forth as Schedule 7 attached hereto (the "Statement of Work
Guidelines") describing (a) the Services to be provided to FNF by FNIS, such as
technical specifications, development milestones, Service Level agreements and
maintenance terms; (b) fees and/or costs to be paid to FNIS for such Services,
and (c) any other terms mutually agreed upon by the parties.

                                       5
<PAGE>

        1.24 "Technology" means, collectively, the FNIS Technology and the New
Development.

        1.25 "Third Party Software" means all software, technology,
Documentation and related services owned or provided by a third party and
validly licensed to and used by FNIS in connection with the Services, including
without limitation in any Deliverable, other than FNIS Technology.

        1.26 "Third Party Data" means all data or information created, compiled,
or provided by a third party including information relating to customers,
employees, technology, operations, facilities, consumer markets, products,
capacities, systems, procedures, security practices, research, development,
business affairs and finances and provided to either FNF or FNIS in connection
with the Services including any Deliverable.

        1.27 "Update" means a release of the FNIS Technology or New Development
containing substantially only defect corrections, minor new features,
functionalities and/or performance enhancements.

        1.28 "Upgrade" means a release of the FNIS Technology or New Development
containing major new features or functionalities.

The following additional initially capitalized terms are defined in the
referenced sections of this Master Agreement:

<TABLE>
<CAPTION>
<S>                                                       <C>
                  ---------------------------------------------------
                      DEFINED TERM                      SECTION
                  ---------------------------------------------------
                      Effective Date                   Introductory
                                                        Paragraph
                  ---------------------------------------------------

                      Emergency Services                  2.10
                  ---------------------------------------------------
                      Fees                                10.1
                  ---------------------------------------------------
                      FNF                              Introductory
                                                        Paragraph
                  ---------------------------------------------------
                      FNF Offering                         5.6
                  ---------------------------------------------------
                      FNIS                             Introductory
                                                         Paragraph
                  ---------------------------------------------------
                      FNIS Taxes                           10.2
                  ---------------------------------------------------
                      Input                                 5.6
                  ---------------------------------------------------
                      Procurement Services                  9.1
                  ---------------------------------------------------
                      Project Coordinator                  2.11
                  ---------------------------------------------------
                      Prior Agreements                  Recital D
                  ---------------------------------------------------
                      Service Levels                        2.6
                  ---------------------------------------------------
                      Term                                 11.1
                  ---------------------------------------------------
                      Transition Fees                      11.6
                  ---------------------------------------------------
                      Transition Period                    11.6
                  ---------------------------------------------------
</TABLE>

2.0 DEVELOPMENT OF TECHNOLOGY AND SERVICES

        2.1 Undertaking. FNIS will design and develop the Deliverable(s),
provide the Services, and provide any additional technology and development,
including, by way of example but not limitation, infrastructure technology and
development, in conformance with the with this Master Agreement including the
Description of Services and the Statement(s) of Work.

        2.2 Obligations in Support. In order to help ensure the timely and
satisfactory completion of FNIS' development work under a Statement of Work,
FNIS will deploy throughout the development sufficient and

                                       6
<PAGE>

qualified personnel, and other necessary resources to complete FNIS' development
work, such personnel and resources as deemed or determined necessary by FNIS in
its reasonable discretion. Unless otherwise agreed in a Statement of Work, the
Services shall be provided at a FNF Service Location or a FNIS Service Location.

        2.3 Status Reports. FNIS will provide to FNF status reports, if any,
detailing the status of the development work described in the Statement(s) of
Work in accordance with the reporting terms, if any, contained in those
Statement(s) of Work.

        2.4 Change Requests. Changes impacting full compliance with a Statement
of Work or Fees (hereinafter defined) payable are only valid if implemented in
accordance with the following change request procedure. FNF may request any
change to Specifications or a Statement of Work by setting forth the proposed
change in reasonable detail in a writing (including e-mail) submitted to FNIS
("CHANGE REQUEST"). FNIS shall respond in writing to Change Requests within ten
(10) business days of receipt, in each case, setting forth the expected effect
of incorporating the requested change, including, as appropriate, the impact of
a Statement of Work and any additional Fees which FNIS would require in order to
make the requested change, and the amended timetable to make such changes
("CHANGE RESPONSE"). Such additional Fees shall either be at a mutually agreed
upon fixed amount or if the parties do not so agree, shall be quoted on a time
and materials basis in accordance with the schedule of development Fees set
forth in the Services fee schedule set forth as Schedule 6 attached hereto (the
"SERVICES FEE SCHEDULE"). FNF shall respond within fifteen (15) business days of
receipt of the Change Response informing FNIS whether it agrees with FNIS'
description of the anticipated impact and additional terms, if any, proposed in
the Change Response. If and when FNF agrees in writing or by email to the terms
and conditions outlined in the Change Response as set forth in the previous
sentence, or the parties mutually agree in writing to a revised Change Response,
FNIS shall promptly begin to implement the agreed changes upon the agreed upon,
amended timetable set forth in the Change Response.

        2.5 Third Party Software and Third Party Data. Only upon mutually agreed
to terms, FNIS shall acquire and secure for the benefit of FNF any and all Third
Party Software that may be necessary or advisable to perform FNIS obligations
hereunder, or as may be agreed in a Statement of Work. Unless otherwise agreed
in a Statement of Work, all Third Party Software and Third Party Data shall be:
(a) commercially available software with standard end user license agreements
assignable to FNF; or (b) acquired from a mutually agreed upon vendor under
terms and conditions approved in advance and in writing by mutual agreement of
the parties. FNIS shall disclose to FNF any discounts, rebates, returns,
upgrades, bug fixes, service packs or service agreements associated with such
Third Party Software and Third Party Data. FNF and FNIS shall negotiate in good
faith appropriate adjustment (if any) of FNIS fees to reflect the same. Third
Party Software and Third Party Data costs will be included in Fees quoted in the
Technology fee schedule set forth as Schedule 5 attached hereto (the "TECHNOLOGY
FEE SCHEDULE"), Services Fee Schedule, or the Statement of Work.

        2.6 Measurement and Monitoring Tools. If requested by FNF, and the
parties reach mutually agreed to terms and conditions, including, but not
limited to the financial remuneration from FNF to FNIS for the measuring and
monitoring herein requested, FNIS shall measure and monitor its compliance with
any performance levels, service levels and other standards identified in the
Description of Services or a Statement of Work (collectively, the "SERVICE
LEVELS"). Such measurement and monitoring shall permit reporting at a level of
detail sufficient for FNF to verify compliance with the Service Levels. FNF
shall have the right to require FNIS to outsource its responsibilities with
respect to monitoring any Service Level established under any Statement of Work.
FNF shall further have the right to audit FNIS compliance with the Service
Levels hereunder at any FNF Service Location upon notice or at any FNIS Service
Location upon reasonable prior notice on a quarterly basis, unless otherwise
agreed in an individual Statement of Work.

        2.7 FNIS Project Staff and Subcontracting. Unless otherwise agreed in a
Statement of Work, FNIS shall have the right to either appoint FNIS project
staff or to subcontract any portion of the Services, provided in the case of
subcontractors, FNIS executes written agreements with each subcontractor that
contain terms no less protective of FNF's Confidential Information as the
provisions in Section 12.0 herein. FNIS is solely responsible

                                       7
<PAGE>

for all payments of fees and expenses to such subcontractors and for the work
and activities of each of its subcontractors, including compliance with the
applicable terms and provisions of this Master Agreement.

        2.8 Licenses and Permits. Each party shall cooperate with and provide
reasonable assistance to the other party in obtaining any licenses, consents,
approvals, permits and other authorizations as may be necessary or advisable for
the performance of this Master Agreement and any Statement of Work.

        2.9 Data Migration. FNIS shall not modify, compile, store or format FNF
Data in a manner that is not compatible with readily portable, off-the-shelf
database applications.

        2.10 Emergency Services. From time to time it may be necessary for FNF
to request FNIS to provide certain services on an emergency basis ("EMERGENCY
SERVICES"). The parties acknowledge and agree that the exigencies of such
situations may make the execution of a Statement of Work impracticable and that,
in such situations, FNIS may take action, including commitment of time,
resources and effort, to perform Emergency Services if and only if FNIS is
qualified and able to provide such Emergency Services, and such Emergency
Services are billed at the rate of $175 per hour in accordance with Section 10.1
hereof. The parties shall honor commitments and actions that were reasonable
under the circumstances, and shall endeavor to execute a Statement of Work as
soon as practicable. To the extent the parties disagree about whether any
particular services are Emergency Services, they will refer the disagreement to
the resolution process identified in Section 16.5.

        2.11 Project Coordinators. Each party shall appoint an individual (the
"PROJECT COORDINATOR") who shall serve on a dedicated basis as the primary
representative for such party for a given Service under this Master Agreement.
The Project Coordinator shall (a) have overall responsibility for managing and
coordinating the performance of such party's obligations under this Master
Agreement and any Statement(s) of Work; (b) be authorized to act for and on
behalf of such party with respect to all matters relating to this Master
Agreement and the Statement(s) of Works; and (c) appoint the individuals who
shall be primarily responsible for supervising performance under the Description
of Services or Statement(s) of Work.

        2.12 FNIS Staffing. At any time during the Term, FNF may communicate to
FNIS any objections or concerns FNF may have with respect to personnel,
subcontractors and/or Project Coordinators selected by FNIS to perform the
Services. FNIS will use commercially reasonably efforts to address FNF's
objections or concerns. FNIS may, upon request from FNF, replace or reassign
such individuals or subcontractors; provided, however, that FNIS shall be
entitled to charge FNF with any reasonable and mutually agreed fees, costs or
expenses resulting from staffing changes requested by FNF and approved by FNIS.

        2.13 Performance Review. The responsible FNF and FNIS managers for a
given Service will meet when reasonably requested by either party to review the
performance of either party under this Master Agreement. At the request of
either party, written or taped minutes of such meetings may be kept.

3.0 TRANSFER AND DELIVERY OF TECHNOLOGY

        3.1 Deliverables. FNIS will deliver the relevant Deliverables on a
schedule and in the form set forth in the applicable Statement of Work. In
addition, FNIS will provide to FNF such Documentation as may be reasonably
agreed to by the parties in writing in the applicable Statement(s) of Work. FNIS
will provide software development services on a time and materials basis unless
otherwise mutually agreed in writing by the parties.

        3.2 Delays. Time is of the essence and FNIS' completion and delivery to
FNF of Deliverables and Documentation thereto in accordance with the schedule
set forth in the Statement(s) of Work are important to the success of FNF and
FNIS. FNIS must provide FNF with written notice of any expected delay within a
reasonable time of becoming aware of such expected delay. If FNIS becomes aware
that the delivery of any Deliverable may be late, or if any Deliverable cannot
be delivered to FNF, the parties shall meet promptly upon written request for
such meeting by FNF or FNIS following notice of said delay to develop a plan to
cure such late delivery.

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<PAGE>

4.0 INTENTIONALLY DELETED

5.0 LICENSE GRANTS AND RESTRICTIONS

        5.1 FNIS' License Grant and Restrictions for the FNIS Nonsublicensable
Technology. Unless otherwise agreed in a Statement of Work, FNIS hereby grants
to FNF a limited, revocable, non-exclusive, nontransferable, nonsublicensable,
worldwide, royalty-free license to use the FNIS Nonsublicensable Technology, the
sole purpose of maintaining FNF's business operations during the Term hereof.

        5.2 FNIS' License Grant and Restrictions for FNIS Sublicensable
Technology. FNIS hereby grants to FNF a limited, revocable, non-exclusive,
sublicensable, worldwide license to use the FNIS Sublicensable Technology, on
financial terms mutually agreed to by the parties, for the purposes of (i)
maintaining FNF's business operations during the Term hereof; and (ii) to
sublicense to End Users during the Term hereof in accordance with the following
terms and restrictions:

                a. Copies. FNF may make unlimited copies of the FNIS
Sublicensable Technology for the purpose of sublicensing to End Users in
accordance with this Section 5.2; and

                b. Sales. FNF may market, demonstrate, copy, perform services
with, reproduce, sublicense, or otherwise sell or distribute through FNF's own
sales and/or distribution channels to End Users the FNIS Sublicensable
Technology or any part thereof in binary form, solely for use by that End User;
and

                c. Written Sublicense Agreements. FNF will enter into a written
sublicense agreement with each End User which will include terms that are no
less protective of FNIS and FNIS' Intellectual Property Rights than those in
this Master Agreement, and each such written sublicense agreement will include
terms that include standard warranty disclaimers and limitations that are
substantially similar to those set forth on Schedule 8 attached hereto (the "END
USER TERMS AND CONDITIONS"); and

                d. License Fees. FNIS shall provide FNF FNIS Sublicensable
Technology without fees, royalties or other charges; provided, however the
parties may agree from time to time that FNIS will only provide certain FNIS
Nonsublicensable Technology for use and/or FNIS Sublicensable Technology to FNF
for sublicense if FNF pays mutually agreed license Fees. Such license Fees and
any associated changes to the scope of the license grant will only apply if the
parties mutually agree in writing signed by an authorized officer of each party,
whether in the Technology Fee Schedule, a Statement of Work or otherwise.

                e. Quarterly Reports; Audit Rights. FNF shall provide to FNIS
quarterly, written reports of all FNIS Sublicensable Technology sublicensed to
each End User and any financial payments due to FNIS in accordance with this
Section 5.2 during the previous quarter. In any transaction in which Fees are to
be paid for the FNIS Sublicensable Technology by FNF in accordance with
financial terms mutually agreed to by the parties in writing, or the Technology
Fee Schedule to FNIS, FNF shall keep complete, clear, and accurate records
regarding the services performed, the parties' obligations, the revenues
generated, the shipments made, the payments made, the calculation of Fees and
costs payable in connection with the Technology Fee Schedule, and all other data
relevant to the FNF's obligations thereunder. FNIS shall have the right, upon no
less than ten (10) calendar days prior written notice, to have an inspection and
audit of the FNF' relevant books and records conducted by an independent audit
professional chosen and paid by the FNIS no more than twice annually, during
regular business hours, at the FNF's offices and in a manner that does not
interfere with regular business operations. If an audit discloses a discrepancy,
FNF shall immediately pay to FNIS the amount of the discrepancy, and if the
discrepancy is five (5%) percent or more below the amount actually due to or
paid by FNF hereunder, then the FNF shall also bear the costs of the audit. This
provision shall survive any termination or expiration of this Master Agreement
for a period of two (2) years;

                f. End User Sublicensing Data. FNF shall own all data regarding
its sublicenses of any FNIS Sublicensable Technology, including its quarterly
reports. FNIS may access and use such data for the purposes

                                       9
<PAGE>

of providing the Services, such as end user customer support, but not any other
purpose without the prior written consent of FNF; and

                g. Additional Sublicensing Terms and Conditions. FNF's
sublicense of any FNIS Sublicensable Technology shall be further restricted by
any additional sublicensing provisions applicable in detail to any given
application(s) and/or component(s) comprising the FNIS Sublicensable Technology
as such additional terms and conditions are also set forth in the Technology Fee
Schedule or any applicable Statement of Work between the parties.

        5.3 Derivative Works. FNF may not create derivate works of the FNIS
Technology, without FNIS' prior written consent to be given in FNIS sole
discretion, and with FNF and FNIS to agree to any financial terms and payments
to FNIS for allowing FNF to create such derivative works.

        5.4 No Reverse Engineering. FNF shall not modify, reverse engineer,
decompile or disassemble the FNIS Technology (other than that provided in source
code to FNF hereunder) or any part thereof. FNIS shall not modify, reverse
engineer, decompile or disassemble the FNF Technology (other than that provided
in source code to FNIS hereunder, and any Component(s) licensed to FNIS pursuant
to a Statement of Work with rights to modify source code) or any part thereof.

        5.5 FNF's License Grant and Restrictions for the FNF Technology.

                a. FNF's License Grant. FNF hereby grants to FNIS a limited,
royalty-free, non-revocable, non-exclusive, transferable, worldwide license and
sublicense to use the New Development and prepare derivative works thereof
solely for the purposes of providing Services in accordance with the terms of
this Master Agreement during the Term hereof.

                b. Restrictions on FNF's License Grant. For the absence of
doubt, FNIS has no right to use the FNF Technology for commercial purposes
without separate written agreement of FNF, and may not sell, rent, loan or
otherwise use or transfer the FNF Technology to any third party. However, FNIS
may use any Residuals derived from developing the FNF Technology for any
purposes whatsoever. FNF grants FNIS no rights in Components generally, but the
parties may agree that FNF will license particular Components to FNIS in the
applicable Statement of Work.

        5.6 Input. FNIS has no obligation to give FNF any suggestions, comments,
feedback or other input ("INPUT") on Deliverables, FNF Technology, or any other
FNF products, services, technologies, and related specifications or other
documentation ("FNF OFFERING"). Accordingly, if FNIS does give FNF Input on any
FNF Technology, FNIS agrees FNF may freely use, reproduce, license, distribute,
and otherwise commercialize such Input in any FNF Offering.

6.0 OWNERSHIP OF TECHNOLOGY

        6.1 FNIS Technology. FNIS asserts that FNIS and/or FNIS' suppliers own
the FNIS Technology and associated Intellectual Property Rights. FNF agrees
that, as between FNIS and FNF, FNIS is the owner of the FNIS Technology and the
associated Intellectual Property Rights. Nothing herein shall be deemed a
transfer or assignment to FNF of the FNIS Technology, any portion thereof, or
any Intellectual Property Rights related thereto.

        6.2 FNF Technology. The parties acknowledge and agree that FNF owns all
right, title and interest in and to FNF Technology, unless otherwise explicitly
agreed in a Statement of Work.

                a. FNF Ownership. Unless otherwise explicitly agreed in a
Statement of Work, to the extent any Deliverable hereunder includes material
subject to copyright, FNIS agrees that the Deliverable (excluding any FNIS
Technology included therein) is done as a "work made for hire" as that term is
defined under U.S. copyright law, and that as a result, FNF shall own all
copyrights in the Deliverable. To the extent that the

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<PAGE>

Deliverable does not qualify as a work made for hire under applicable law, and
to the extent that the Deliverable includes material subject to copyright,
patent, trade secret, or other Intellectual Property Right protection, FNIS
hereby assigns to FNF, its successors and assigns, all right, title and interest
in and to the Deliverable (excluding any FNIS Technology included therein),
including all copyrights, patents, trade secrets, and other proprietary rights
therein (including renewals thereof). FNIS shall execute and deliver to FNF such
additional instruments, and take such other actions, as FNF may reasonably
request to confirm, evidence or carry out the grants of rights contemplated by
this paragraph. FNIS' obligations under this paragraph will apply both during
and indefinitely after the Term. FNIS hereby appoints FNF (and its duly
authorized officers and agents) as FNIS' agent and attorney-in-fact, to act in
FNIS' stead to execute and deliver any such additional instrument and take such
other actions, with the same legal force and effect as if done by FNIS, should
FNIS for any reason whatsoever fail to promptly execute or deliver any such
instrument or take such other actions as described herein.

                b. Other Rights. If FNIS has any rights to the FNF Technology
that cannot be assigned as described above, FNIS unconditionally and irrevocably
(i) waives the enforcement of such rights and all claims and causes of action of
any kind against FNF with respect to such rights, and agrees, at FNF's expense,
to consent to join in any action to enforce such rights, or (ii) in the case
where such rights cannot be assigned or waived, grants to FNF, during the term
of such rights, a royalty-free, exclusive, perpetual, irrevocable and worldwide
license to fully exercise all such rights akin to ownership, with rights to
sublicense through multiple levels of sublicensees.

7.0 INFORMATION SECURITY AND CONTINUITY PLANNING SERVICES

        7.1 FNF Security Procedures. FNF shall maintain and enforce at the FNF
Service Locations reasonable physical safety and security procedures and
communicate them to FNIS. FNF shall be responsible for any failures of FNF to
comply with reasonable FNF physical safety and security procedures then in
effect at the applicable FNF Service Locations or reasonable physical safety and
security procedures then in effect at the applicable FNIS Service Locations, to
the extent that such non-compliance causes damages to FNIS.

        7.2 FNIS Security Procedures. FNIS shall maintain and enforce at the
FNIS Service Locations reasonable physical safety and security procedures and
communicate them to FNF. FNIS shall be responsible for any failures of FNIS or
its subcontractors to comply with reasonable FNIS physical safety and security
procedures then in effect at the applicable FNIS Service Locations or reasonable
physical safety and security procedures then in effect at the applicable FNF
Service Locations, to the extent that such non-compliance causes damages to FNF.

        7.3 FNIS Compliance. FNIS shall comply at the FNF Service Locations with
FNF's physical safety and security procedures. FNIS shall be responsible for any
failures of FNIS or subcontractors to comply with FNF's physical safety and
security procedures then in effect at the applicable FNF Service Locations, to
the extent that such non-compliance causes damages to FNF.

        7.4 FNF Compliance. FNF shall comply at FNIS Service Locations with
FNIS' physical safety and security procedures. FNF shall be responsible for any
failures of FNF to comply with FNIS' physical safety and security procedures
then in effect at the applicable FNIS Service Locations, to the extent that such
non-compliance causes damages to FNIS.

        7.5 Data Security. Except to the extent otherwise agreed by the parties
in Statement(s) of Work, both parties shall establish and maintain good and
sound safeguards against the destruction, loss or alteration of the FNF Data or
FNIS Data in the possession of FNF or FNIS. In the event that either party or,
with respect to FNIS, its subcontractors, discover or are notified of a breach
or potential breach of security relating to the FNF Data or FNIS Data, the
discovering party shall immediately (i) notify the other party of such breach or
such potential breach, and (ii) if the applicable FNF Data or FNIS Data was in
the possession of the discovering party or the discovering party's agents,
representatives and subcontractors, at the time of such breach or such potential
breach, the discovering party shall (a) investigate such breach or such
potential breach, and (b) inform the other party of the results of such
investigation.

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<PAGE>

        7.6 Security Relating to Shared FNIS Environments. If FNIS provides the
Services to FNF from an FNIS Service Location that also provides services to or
processes data for any other FNIS customer, FNIS shall, in addition to its
obligations under Section 7.5, at FNF's request, demonstrate to FNF's reasonable
satisfaction that FNF's Confidential Information and FNF Data will not be
disclosed to any such other FNIS customer.

        7.7 Data Sublicensing. The parties will identify FNIS Data as either
FNIS Nonsublicensable Technology or FNIS Sublicensable Technology in the
Description of Technology or applicable Statements of Work.

        7.8 Compliance with Laws. The parties hereby acknowledge that disclosure
of some such data may be governed by various state and federal laws and
regulations, and each party hereby agrees to comply with all such laws and
regulations.

        7.9 Data Letter Agreements. Notwithstanding the foregoing, either party
may use the other party's data as provided for in a letter agreement executed by
the parties substantially in the form of the data letter agreement template set
forth as Schedule 9 to govern the management and sharing of any particular Data
or subset thereof by the parties and with third parties (each, a "DATA LETTER
AGREEMENT").

8.0 FNF WEBSITES

        FNF Websites developed as part of the Services shall be New Development
hereunder, and as such, wholly owned by FNF. FNIS may host such FNF Websites or
provide, or have provided, services related to the FNF Websites under a
Statement of Work (collectively, "Web Services").. FNF and FNIS hereby
acknowledge and agree that any and all liability resulting from third-party use
of the FNF Websites, exclusive of any liability resulting from Web Services, is
the responsibility of FNF. FNF will indemnify FNIS from any such third-party
claims pursuant to Section 14.0 hereof. That means FNF is responsible for
ensuring that each FNF Website conforms with appropriate laws and regulation
regarding the Internet, and that each such FNF Website has the appropriate Terms
of Service, Terms of Use, and/or Privacy Policy posted thereon, unless such
obligations have been assumed by FNIS under a Statement of Work.

9.0 HARDWARE PROCUREMENT

        9.1 Procurement. Upon FNF's written request and at FNIS' reasonable and
good faith discretion, FNIS may obtain on behalf of FNF any FNF Hardware in
exchange for relevant fees set forth in the Services Fee Schedule (the
"PROCUREMENT SERVICES").

        9.2 Procurement Services. FNIS shall (i) identify suppliers with
favorable terms for any FNF Hardware or Procurement Services, and (ii) acquire
the FNF Hardware or Procurement Services on FNF's behalf or lease, or coordinate
the leasing of such FNF Hardware to FNF.

        9.3 Designation of Hardware. Schedule 3 (the "DESCRIPTION OF HARDWARE")
identifies the FNF Hardware owned by FNF as of the Effective Date, and the FNIS
Hardware owned by FNIS as of the Effective Date.

10.0 PAYMENTS AND ACCOUNTING

        10.1 Fees; Invoices; and Payment. FNF shall pay to FNIS the Technology
Fees set forth in the Technology Fee Schedule, the Services Fees set forth in
the Services Fee Schedule, the fees set forth in any applicable Statement of
Work, and/or the cost of the FNF Hardware (individually and collectively, the
"FEES"). FNF will pay Fees for Emergency Services at the rate of $175 per hour.
FNIS shall invoice FNF for the Fees in the manner and on the schedule set forth
in the applicable schedule, Statement of Work, or otherwise mutually agreed by
the parties in writing. FNIS shall provide invoices that include sufficient
detail to enable FNF to validate fees and/or costs charged. Upon FNF's request,
FNIS shall provide customized invoices to satisfy individual billing

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<PAGE>

requirements of FNF, determined by FNF in its sole discretion. FNF reserves the
right to return invoices with insufficient detail to FNIS and such invoices
shall be deemed to be in dispute. Unless otherwise agreed in a Statement of
Work, FNF shall pay undisputed sums due FNIS within thirty (30) days of
receiving an invoice. FNIS shall invoice FNF in the manner and on the schedule
set forth in the applicable Statement of Work, or as otherwise mutually agreed
by the parties in writing.

        10.2 Taxes. FNF shall pay, or reimburse FNIS for payment of, any taxes
(other than FNIS Taxes) or amounts paid in lieu of taxes (other than payments in
lieu of FNIS Taxes), including privilege or excise taxes based on the gross
revenue of FNIS, however designated or levied, based upon this Master Agreement,
the charges of FNIS for the Services or materials provided under this Master
Agreement. FNIS is responsible for, and will hold FNF harmless from and against
the payment of franchise taxes, state and local real and personal property
taxes, employment taxes for its employees and taxes based on the net income of
FNIS ("FNIS TAXES").

        10.3 Late Fees. FNF will pay late fees (except for invoices disputed in
good faith) at a rate of one-quarter percent (0.25%) per month from the date of
the invoice on those Fees not paid by the sixtieth (60th) day following the day
the related invoice was issued.

        10.4 Pro Rata Payment. If FNF terminates any Statement of Work or
Service prior to the end of a pay period for any reason other than FNIS' breach
of its obligations, FNF shall pay to FNIS the pro rata Fees due for that
cancelled Statement of Work or those cancelled Services for the fractional term
such Service were provided during a given pay period.

        10.5 Audits. FNIS shall keep complete, clear, and accurate records
regarding its obligations and the calculation of Fees and costs payable
hereunder. FNF shall have the right, upon no less than ten (10) calendar days
prior written notice, to have an inspection and audit of FNIS' relevant books
and records conducted by an independent audit professional chosen and paid by
FNF no more than twice annually, during regular business hours, at FNIS' offices
and in a manner that does not interfere with regular business operations. If an
audit discloses a discrepancy in payments or charges, FNIS shall immediately pay
to FNF the amount of the discrepancy, and if the discrepancy varies five (5%)
percent or more from the amount actually due to or paid by FNF hereunder, then
the FNIS shall also bear the costs of the audit. This provision shall survive
any termination or expiration of this Master Agreement for a period of two (2)
years. Further, pursuant to Statement of Auditing Standards ("SAS") No. 70, to
the extent FNIS is providing systems support for external customer activities of
FNF, FNF shall have the right to have an independent certified public accountant
firm conduct an audit of such systems support at any time during the Term or
within three years thereafter.

11.0 TERM AND TERMINATION

        11.1 Term of Master Agreement. The term of this Master Agreement begins
on the Effective Date and ends one (1) year thereafter, unless earlier
terminated herewith (the "TERM").

        11.2 Services Term. If a term is not specified in a Statement of Work or
with respect to a particular Service under the Description of Services, such
Statement of Work or the particular Service under the Description of Services
shall expire upon completion of the Services described therein. Notwithstanding
the foregoing, FNF may terminate any Statement of Work with or without cause
upon ninety (90) days written notice to FNIS. For the avoidance of doubt, the
Master Agreement shall survive the expiration or termination of each Statement
of Work.

        11.3 Partial Termination for Cause. If either party fails to comply with
any material term of a Statement of Work , the other party may terminate such
Statement of Work following sixty (60) days written notice to the breaching
party specifying any such breach unless, within the period of such notice, all
breaches specified therein are remedied. If the breach is one which, by its
nature, cannot be fully remedied in sixty (60) days, the parties shall cooperate
to prepare a mutually acceptable plan within such sixty (60) day period to cure
the breach and then pursuant to which, the breaching party shall undertake
reasonable, diligent and good faith efforts to promptly remedy the breach. If
the parties are unable to agree upon a plan to remedy the breach within such
sixty (60) day

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<PAGE>

period, the non-breaching party may terminate the corresponding Statement of
Work. If, after the parties have agreed upon a remedial plan, the breaching
party fails to comply with such plan, the non-breaching party may thereafter
terminate such Statement of Work effective on written notice. Termination of any
such Statement of Work shall not affect any obligations of either party as to
the remaining Statements of Work under this Master Agreement which have not been
so terminated and such obligations shall remain in full force and effect.

        11.4 Full Termination for Cause. If either party fails to comply with
any material term of this Master Agreement, the other party may terminate this
Master Agreement following sixty (60) days' written notice to the breaching
party specifying any such breach unless, within the period of such notice, all
breaches specified therein are remedied. A party breaching any term with respect
to the other party's intellectual property or Confidential Information will use
best efforts to remedy the situation immediately, and the nonbreaching party may
proceed to see preliminary injunctive relief as appropriate and available, not
withstanding Section 16.5. If the breach is one which, by its nature, cannot be
fully remedied in sixty (60) days, the parties shall cooperate to prepare a
mutually acceptable plan within such sixty (60) day period to cure the breach
and then pursuant to which, the breaching party shall undertake reasonable,
diligent and good faith efforts to promptly remedy the breach. If the parties
are unable to agree upon a plan to remedy the breach within such sixty (60) day
period, the non-breaching party may terminate this Master Agreement. If, after
the parties have agreed upon a remedial plan, the breaching party fails to
comply with such plan, the non-breaching party may thereafter terminate this
Master Agreement effective on written notice.

        11.5 Effect of Termination or Expiration. Within thirty (30) days after
expiration or termination of a Statement of Work, a particular Service under the
Description of Services, or this Master Agreement: (a) each party will return
(or, at the request of the owner of such Confidential Information, destroy or
permanently delete) any Confidential Information in such party's possession or
control; (b) FNIS will assign, transfer or sublicense Third Party Software and
Third Party Data to FNF or take any other action reasonably requested by FNF to
secure FNF's rights in and to such Third Party Software and Third Party Data,
and (iii) FNIS will deliver any and all FNF Hardware to FNF and assign or
transfer any lease or rental agreements related to the same. In the event FNF
requests that FNIS provide transition assistance in connection with such
transfers or assignments, FNF shall pay FNIS the Transition Fees as described in
Section 11.6, below.

        11.6 Transition Assistance Upon Termination. Upon termination of this
Master Agreement, a particular Service pursuant to Section 11.2 hereof, or any
Statement of Work for any reason, including breach by FNF, FNIS shall, if
requested by FNF, provide FNF with reasonable training and other assistance to
minimize disruption in the transition of the Services to FNF or a third party
selected by FNF. FNIS' obligation to provide transition assistance shall
continue for up to six (6) months after termination or expiration of the
applicable agreement (the "TRANSITION PERIOD"). If FNF has requested such
transition assistance, FNF shall pay FNIS for such assistance on time and
materials basis at mutually agreed upon rates (the "TRANSITION FEES"). If
termination is caused by FNF's breach, at FNIS' request, FNF shall pay to FNIS
prior to the commencement of such transition services the reasonable estimated
costs of FNIS services.

12.0 CONFIDENTIAL INFORMATION

        12.1 Obligation. Except as provided in this Master Agreement, neither
party may use, reproduce, distribute or disclose Confidential Information it
receives from the disclosing party under this Master Agreement, without the
prior written authorization of the disclosing party. Each party must hold in
confidence Confidential Information received from the other party and must
protect the confidentiality thereof with the same degree of care that it
exercises with respect to its own information of like importance, but in no
event less than reasonable care, for the Term hereof and for seven (7) years
following termination or expiration of this Master Agreement.

        12.2 Employee Access. Each party must inform its employees and
contractors having access to the other party's Confidential Information of
restrictions required to comply with this Section 12.0. Such employees and
contractors shall be contractually required to comply with this Section 12.0.
Each party agrees to provide notice

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<PAGE>

to the other immediately after learning of or having reason to suspect a breach
of any of the restrictions of this Section 12.0.

        12.3 Legally Required Disclosures. The receiving party may divulge
Confidential Information pursuant to statute, regulation or the order of a court
of competent jurisdiction, provided that the receiving party notifies the
disclosing party in writing and cooperates with the disclosing party, at the
disclosing party's reasonable request and expense, in any lawful action to
contest or limit the scope of such required disclosure.

13.0 REPRESENTATIONS AND WARRANTIES

        13.1 By FNF. FNF represents and warrants to FNIS as follows:

                a. Corporate Power. FNF (i) is a corporation duly incorporated,
validly existing and in good standing under the State of Delaware, and (ii) has
full corporate power to terminate the Prior Agreements and to consummate the
transactions contemplated by this Master Agreement.

                b. Authority. This Master Agreement has been duly authorized,
executed and delivered and constitutes a valid and binding agreement,
enforceable against FNF in accordance with this Master Agreement's terms,
subject to the effect of bankruptcy, insolvency, moratorium and other laws now
or hereafter in effect relating to and affecting the rights of creditors
generally and to equitable principles of general application.

                c. No Breaches. Neither the execution or delivery of this Master
Agreement, nor the consummation of any of the transactions contemplated herein,
will result in the breach of any term or provision of, or constitute a default
under, any charter provision or bylaw, or material agreement (subject to any
applicable required consent), order, law, rule or regulation to which it is a
party or which is otherwise applicable to it.

                d. Non-Infringement. The FNF Technology does not and will not
infringe the Intellectual Property Rights of any third party as may now or in
the future exist.

                e. Compliance. In performing its obligations hereunder, FNF
shall comply in all material respects with requirements all applicable Federal,
state and local statutes, regulations and ordinances, including, without
limitation, the Gramm-Leach-Bliley Act.

        13.2 By FNIS. FNIS represents and warrants to FNF as follows:

                a. Corporate Power. FNIS (i) is a corporation duly incorporated,
validly existing and in good standing under the laws of the State of Delaware,
and (ii) has full corporate power to terminate the Prior Agreement and to
consummate the transactions contemplated by this Master Agreement.

                b. Authority. This Master Agreement has been duly authorized,
executed and delivered and constitutes a valid and binding agreement,
enforceable against FNIS in accordance with this Master Agreement's terms,
subject to the effect of bankruptcy, insolvency, moratorium and other laws now
or hereafter in effect relating to and affecting the rights of creditors
generally and to equitable principles of general application.

                c. No Breaches. Neither the execution or delivery of this Master
Agreement, nor the consummation of any of the transactions contemplated herein,
will result in the breach of any term or provision of, or constitute a default
under, any charter provision or bylaw, or material agreement (subject to any
applicable required consent), order, law, rule or regulation to which it is a
party or which is otherwise applicable to it.

                d. Warranty of Compliance. All Services and Deliverables shall
comply in all material respects to the applicable Statement of Work (including
specifications, approved design and functional layout documents contained
therein) or the Description of Services. The Services shall be rendered by
qualified FNIS personnel, and shall be consistent with standard commercial
practice.

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<PAGE>

                e. Non-Infringement. The FNIS Technology and the New Development
does not and will not infringe the Intellectual Property Rights of any third
party as may now or in the future exist and FNIS has the right to grant all of
the licenses to FNF hereunder, free from all claims, liens, security interests
or other encumbrances. FNIS shall not place on any of FNIS Technology or New
Development any liens, security interest or other encumbrances that would in any
manner affect FNF's licenses or ownership under this Master Agreement.

                f. Compliance. In performing its obligations hereunder, FNIS
shall comply in all material respects with requirements all applicable Federal,
state and local statutes, regulations and ordinances, including, without
limitation, the Gramm-Leach-Bliley Act.

                g. No Viruses. FNIS will use its best efforts to ensure that the
Deliverables do not and shall not contain, at the time of installation and to
FNIS' knowledge, any timer, clock, counter, or other limiting design or routine,
nor (to the best of FNIS' knowledge) any virus, that causes or could cause any
FNF systems, or FNF Data (or any portion thereof) to become erased, inoperable,
impaired, or otherwise incapable of being used in the full manner for which it
was designed and licensed (including, without limitation, any design or routine
that would impede copying thereof) after being used or copied a certain number
of times, or after the lapse of a certain period of time, or after the
occurrence or lapse of any similar triggering factor or event, or for any other
reason. Furthermore, FNIS will use its best efforts to ensure that the
Deliverables do not and shall not, to FNIS' knowledge, contain any virus,
limiting design or routine that causes or could cause any of them to become
erased, inoperable, impaired, or otherwise incapable of being used in the full
manner for which it was designed and licensed pursuant to this Master Agreement
because it has been installed on or moved to a hardware unit or system that has
a serial number, model number, or other identification different from the
identification of the one on which it was originally installed.

14.0 INDEMNIFICATION

        14.1 Indemnity by FNF. FNF agrees to indemnify, defend and hold harmless
FNIS, and its respective officers, directors, shareholders, employees, agents,
successors and assigns, in accordance with the procedures described in Section
14.3, from any and all losses arising from or in connection with any breach any
of any representations or warranties by FNF set forth in Section 13.1.

        14.2 Indemnity by FNIS. FNIS agrees to indemnify, defend and hold
harmless FNF and its officers, directors, shareholders, employees, agents,
successors and assigns, in accordance with the procedures described in Section
14.3, from any and all losses arising from or in connection with the breach of
any representation, warranty or covenant by FNIS set forth in Section 13.2.

        14.3 Indemnification Procedures.

                a. Notice. Promptly after receipt by any person entitled to
indemnification under Sections 14.1 or 14.2 (an "INDEMNIFIED PARTY") of notice
of the commencement (or threatened commencement) of any civil, criminal,
administrative or investigative action or proceeding involving a claim in
respect of which the Indemnified Party will seek indemnification, the
Indemnified Party shall notify the party which is obligated to provide such
indemnification (an "INDEMNIFYING PARTY") of such claim in writing.

                b. Effect of Failure to Provide Timely Notice. No failure to
notify the Indemnifying Party shall relieve it of its obligations under this
Master Agreement except to the extent that it can demonstrate damages
attributable to the Indemnified Party's failure to notify.

                c. Control by Indemnifying Party. The Indemnifying Party shall
be entitled to have sole control over the defense and/or settlement of such
claim, provided that, within fifteen (15) days after receipt of such written
notice, the Indemnifying Party notifies the Indemnified Party of its election to
so assume full control, and provided further that the Indemnifying Party can
demonstrate to the reasonable satisfaction of the Indemnified Party that the
Indemnifying Party has the financial capability to indemnify the Indemnified
Party. In that event: (i) the

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<PAGE>

Indemnified Party shall be entitled to participate in the defense of such claim
and to employ counsel at the Indemnifying Party's reasonable expense to assist
in the handling of such claim; (ii) the Indemnifying Party shall obtain the
prior written approval of the Indemnified Party before entering into any
settlement of such claim or ceasing to defend against such claim if such
settlement or cessation would cause injunctive or other relief to be imposed
against the Indemnified Party; and (iii) the Indemnified Party shall be free to
enter direct discussions with some or all claimants for purposes of settlement,
and shall be free to enter into such settlement(s) on terms agreeable to the
Indemnified Party (upon provision of reasonable notice to and consultation with
the Indemnifying Party); provided, however, that the Indemnifying Party shall
not be required to reimburse the Indemnified Party's expenses if the Indemnified
Party has assumed control over the defense, and provided further that the
Indemnified Party it shall not engage in or consummate any settlement
discussions without the written approval and authority of Indemnifying Party.

                d. Participation by Indemnified Party. If the Indemnifying Party
does not assume sole control over the defense of such claim as provided in this
Section 14.3, the Indemnifying Party may participate in such defense and the
Indemnified Party shall have the right to defend the claim in such manner as it
may deem appropriate, at the cost and expense of the Indemnifying Party. The
Indemnifying Party shall promptly reimburse the Indemnified Party for such costs
and expenses, in accordance with the applicable section of this Section 14.0. An
Indemnifying Party shall not be required to indemnify any Indemnified Party for
any amount paid or payable by such Indemnified Party in the settlement of any
such claim which was agreed to without the written consent of the Indemnifying
Party.

                e. Financial Capacity. The Indemnified Party may request, from
time to time, that the Indemnifying Party demonstrate that it continues to have
the financial capability to indemnify the Indemnified Party, and if the
Indemnifying Party is unable to demonstrate such to the Indemnifying Party's
reasonable satisfaction, the Indemnified Party may assume full control of the
defense of such claim, but the Indemnifying Party shall continue to be
responsible for indemnifying the Indemnified Party.

        14.4 Subrogation. In the event that an Indemnifying Party shall be
obligated to indemnify an Indemnified Party pursuant to this Section 14.0, the
Indemnifying Party shall, upon payment of such indemnity in full, be subrogated
to all rights of the Indemnified Party with respect to the claims to which such
indemnification relates.

15.0 DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

        15.1 Disclaimer. EXCEPT AS SPECIFIED IN THIS SECTION 15.0, NEITHER PARTY
MAKES ANY OTHER WARRANTIES AND EXPLICITLY DISCLAIMS ALL OTHER WARRANTIES,
EXPRESS, IMPLIED OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF
MERCHANTABILITY AND FITNESS FOR A SPECIFIC PURPOSE.

        15.2 Limitation of Liability. EXCEPT WITH RESPECT TO CLAIMS ARISING FROM
MISUSE OF INTELLECTUAL PROPERTY, BREACH OF CONFIDENTIALITY, OR INDEMNIFICATION
OBLIGATIONS, IN NO EVENT SHALL EITHER PARTY, OR ANY OF ITS AFFILIATES, PARTNERS,
OFFICERS, EMPLOYEES, DIRECTORS, AGENTS, CONTRACTORS, REPRESENTATIVES, SUCCESSORS
OR ASSIGNS, AS SUCH, BE LIABLE FOR ANY PUNITIVE, EXEMPLARY, INCIDENTAL,
INDIRECT, CONSEQUENTIAL OR SPECIAL DAMAGES UNDER OR IN CONNECTION WITH THIS
AGREEMENT. IN ANY EVENT, EXCEPT WITH RESPECT TO CLAIMS ARISING FROM MISUSE OF
INTELLECTUAL PROPERTY, BREACH OF CONFIDENTIALITY, OR INDEMNIFICATION
OBLIGATIONS, THE TOTAL LIABILITY OF EITHER PARTY, AND ITS AFFILIATES, PARTNERS,
OFFICERS, EMPLOYEES, DIRECTORS, REPRESENTATIVES, SUCCESSORS AND ASSIGNS, TO THE
OTHER PARTY FOR ANY LOSSES, IN CONNECTION WITH THIS AGREEMENT SHALL NOT EXCEED
THE TOTAL COMPENSATION PAID BY FNF TO FNIS HEREUNDER DURING THE CONSECUTIVE SIX
(6) MONTH PERIOD IMMEDIATELY PRECEDING THE OCCURRENCE OF THE EVENT(S) GIVING
RISE TO SUCH LIABILITY.

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<PAGE>

16.0 MISCELLANEOUS

        16.1 Force Majeure. Each party shall be excused from performance under
this Master Agreement and shall have no liability to the other party for any
period it is prevented from performing any of its obligations (other than
payment obligations), in whole or in part, as a result of delays caused by the
other party or by an act of God, war, civil disturbance, court order, labor
dispute, or other cause beyond its reasonable control, including failures or
fluctuations, in electrical power, heat, light, or telecommunications, and such
nonperformance shall not be a default under, or grounds for termination of, this
Master Agreement.

        16.2 Severability. If any provision of this Master Agreement is held to
be unenforceable, then both parties shall be relieved of all obligations arising
under such provision, but only to the extent that such provision is
unenforceable, and this Master Agreement shall be deemed amended by modifying
such provision to the extent necessary to make it enforceable while preserving
its intent or, if that is not possible, by substituting another provision that
is enforceable and achieves the same objective and economic result. If such
unenforceable provision does not relate to the payments to be made to FNIS, and
if the remainder of this Master Agreement is capable of substantial performance,
then the remainder of this Master Agreement shall be enforced to the extent
permitted by law. IT IS EXPRESSLY UNDERSTOOD AND AGREED THAT EACH PROVISION OF
THIS AGREEMENT WHICH PROVIDES FOR A LIMITATION OF LIABILITY, DISCLAIMER OF
WARRANTIES, INDEMNIFICATION OR EXCLUSION OF DAMAGES OR OTHER REMEDIES IS
INTENDED TO BE SEVERABLE AND INDEPENDENT OF ANY OTHER PROVISION AND TO BE
ENFORCED AS SUCH. FURTHER, IT IS EXPRESSLY UNDERSTOOD AND AGREED THAT IN THE
EVENT ANY REMEDY UNDER THIS AGREEMENT IS DETERMINED TO HAVE FAILED OF ITS
ESSENTIAL PURPOSE, ALL LIMITATIONS OF LIABILITY AND EXCLUSIONS OF DAMAGES OR
OTHER REMEDIES SHALL REMAIN IN EFFECT.

        16.3 Relationship of the Parties. No employees, consultants, contractors
or agents of one party shall, as a result of this Master Agreement, be
considered agents, employees, partners, franchisees or joint ventures of the
other party, nor do they have any authority to bind the other party by contract
or otherwise to any obligation. They will not represent to the contrary, either
expressly or implicitly. The parties have a nonexclusive relationship. FNF may,
in its sole discretion, obtain services or technology from third parties similar
or identical to the Services provided by FNIS, subject to FNIS' Intellectual
Property Rights and FNF's confidentiality obligations. Similarly, FNIS may
provide services similar or identical to the Services provided to FNF, subject
to subject to FNF's Intellectual Property Rights and FNIS' confidentiality
obligations.

        16.4 Independent Counsel. Each party represents, warrants and
acknowledges that it has been represent by independent counsel of its choosing
in the negotiation and execution of this Master Agreement.

        16.5 Choice of Law; Dispute Resolution; Attorneys' Fees. This Agreement
shall be governed by and interpreted under the internal laws of the State of
California without giving effect to any choice of law rules. If there is any
dispute or disagreement between the parties either in interpreting any provision
of this Agreement or about the performance of either party, then upon the
written request of either party, each of the parties, through their respective
Project Coordinators, will meet and confer to negotiate in good faith in an
effort to resolve the dispute without any formal proceeding. During the course
of such negotiation(s), all reasonable requests made by one party to the other
for information, including copies of relevant documents, will be honored. The
specific format for such discussions will be left to the discretion of the
Project Coordinators. If the Project Coordinators are unable to resolve the
dispute within thirty (30) days after their first meeting, then an Executive
Committee made up of each party's then-acting President and one (1) additional
executive from each party, Vice-President level or higher, will next attempt to
resolve the dispute by adhering to the following procedure (which procedure will
be implemented before either party pursues other available remedies, except that
either party my seek injunctive relief from a court where appropriate in order
to maintain the status quo while this procedure is being followed): The
Executive Committee will hold a meeting promptly to attempt in good faith to
negotiate a resolution of the dispute; provided, however, that no such meeting
will be deemed to vitiate or reduce the obligations and liabilities of the
parties or be

                                       18
<PAGE>

deemed a waiver by a party hereto of any remedies to which such party would
otherwise be entitled. If, within thirty (30) days after such meeting, the
parties have not succeeded in negotiating a resolution of the dispute, or made
material progress in that regard, then the parties agree to submit the dispute
to mediation in accordance with the then-current Model Procedure for Mediation
of Business Disputes of the Center for Public Resources and to bear equally the
costs of the mediation. The parties will jointly appoint a mutually acceptable
mediator, seeking assistance in such regard from the Center for Public Resources
if the parties have been unable to agree upon such appointment within twenty
(20) days from the conclusion of the negotiation period. The parties agree to
participate in good faith in the mediation and negotiations related thereto for
a period of thirty (30) days. If the parties are not successful in resolving the
dispute through the mediation, then the parties agree to submit the matter to
binding arbitration in accordance with the Center for Public Resources rules for
Non-Administered Arbitration of Business Disputes, by a sole arbitrator.
Mediation and Arbitration will take place in the City of Santa Ana unless
otherwise agree by the parties. The substantive and procedural law of the State
of California will apply to the proceedings. Equitable remedies will be
available in any arbitration. Punitive damages will not be awarded. This section
is subject to the Federal Arbitration Act, 9 U.S.C.A. Section 1 et seq. and
judgment upon the award rendered by the arbitrator, if any, may be entered by
any court having jurisdiction thereof. If any legal action or other proceeding
is brought for the enforcement of this Agreement, or because of an alleged
dispute, breach, default or misrepresentation in connection with any of the
provisions of this Agreement, the prevailing party shall be entitled to recover
reasonable attorneys fees and other costs incurred in that action or proceeding,
in addition to any other relief to which it may be entitled.

        16.6 Import and Export Laws. The FNF Technology and FNIS Technology,
including, without limitation, technical data regarding the same, is subject to
U.S. export control laws and may be subject to export and import regulation in
other countries. The parties agree to comply strictly with all such regulations
and acknowledge that they have the responsibility to obtain such licenses to
export, re-export or import such technology as may be required.

        16.7 Notices. When one party is required or permitted to give notice to
the other, such notice shall be deemed given when delivered by hand or when
mailed by United States mail, registered or certified mail, return receipt
requested, postage prepaid, and addressed as follows:

        FNIS:   Fidelity National Information Solutions, Inc.
                2510 Red Hill Avenue
                Santa Ana, California  92705

        Attn:   Dwayne Walker, President and C.O.O.

        FNF:    Fidelity National Financial, Inc.
                4050 Calle Real
                Santa Barbara, California  93110

        Attn:   Edward Dewey, C.O.O.

        Either party may change its address for notification purposes by giving
the other party written notice of the new address and the date upon which it
will become effective.

        16.8 Construction. This Master Agreement has been negotiated by the
parties and their respective counsel. This Master Agreement will be interpreted
without any strict construction in favor of or against either party.

        16.9 Amendment and Waiver. Unless otherwise provided herein, this Master
Agreement may not be modified, amended, or rescinded, in whole or part except by
written instrument signed by the duly authorized representatives of both
parties. No delay or omission by either party to exercise any right or power it
has under this Master Agreement shall impair or be construed as a waiver of such
right or power. A waiver by either party of any

                                       19
<PAGE>

covenant or breach shall not be construed to be a waiver of any succeeding
breach or of any other covenant. All waivers must be in writing and signed by
the party waiving its rights.

        16.10 Binding Nature; Assignment. This Master Agreement shall bind the
parties and their successors and permitted assigns. Neither party may assign
this Master Agreement without the prior written consent of the other, which
consent shall not be unreasonably withheld or delayed; provided, however, that
either party may assign this Master Agreement to any entity which acquires all
or substantially all of the assets of the party. Any other assignment attempted
without the written consent of the other party shall be void.

        16.11 No Rights in Third Parties. The parties agree that this Master
Agreement is for the benefit of the parties hereto and is not intended to confer
any legal rights or benefits on any third party and that there are no third
party beneficiaries to this Master Agreement or any part or specific provision
of this Master Agreement, except for any Member.

        16.12 Entire Agreement; Conflicts. This Master Agreement, including all
of its schedules and Statements of Work, each of which is incorporated into this
Master Agreement, is the entire agreement between the parties with respect to
its subject matter, and there are no other representations, understandings or
agreements between the parties relative to such subject matter, including the
Prior Agreements. The terms and conditions of this Master Agreement shall apply
to each Statement of Work, and in the event of a conflict between the express
terms of this Master Agreement and a Statement of Work, in which case the terms
and conditions of this Master Agreement shall control unless such Statement of
Work is signed by the then-acting President or Chief Executive Officer of each
of FNF and FNIS. For the avoidance of doubt, the System Development, Maintenance
and Information Technology Services Master Agreement on or about May 23, 2001,
as amended and restated on July 9, 2002, is completely superceded by this Master
Agreement.

        16.13 Media Releases. All media releases, public announcements and
public disclosures by FNF or FNIS or their employees or agents relating to this
Master Agreement or its subject matter, including promotional or marketing
materials shall be coordinated with and approved by the other party prior to
release, which approval shall not be unreasonably withheld. This restriction
does not apply (i) to any announcement intended solely for internal distribution
within FNF or within FNIS, or (ii) any disclosure required by legal, accounting
or regulatory requirements beyond the reasonable control of the disclosing
party.

        16.14 Survival. The following sections shall survive termination or
expiration of this Master Agreement: Sections 1, 5.2(f), 5.6, 6, 8, 11.5, 11.6,
and 12 through 16. Any permitted End User licenses will survive in accordance
with their terms.

        16.15 Counterparts. This Master Agreement may be executed in
counterparts, each of which will be deemed an original, and all of which will
constitute one agreement.

        IN WITNESS WHEREOF, intending to be legally bound hereby, the parties
have caused this Master Agreement to be executed and delivered by their duly
authorized representatives as of the Effective Date set forth above.

FIDELITY NATIONAL                       FIDELITY NATIONAL
INFORMATION SOLUTIONS, INC.             FINANCIAL, INC.

By: /s/ NEIL JOHNSON                    By: /s/ PETER SADOWSKI
   --------------------------------        -------------------------------------

Name:  Neil Johnson                     Name:  Peter Sadowski

Title: Executive Vice President/        Title: Executive Vice
       Chief Financial Officer                 President/General Counsel

Date: March 27, 2003                    Date: March 27, 2003

                                       20

<PAGE>
SCHEDULE 1.     DESCRIPTION OF TECHNOLOGY

SCHEDULE 2.     DESCRIPTION OF DATA

SCHEDULE 3.     DESCRIPTION OF FNF HARDWARE

SCHEDULE 4.     DESCRIPTION OF SERVICES

SCHEDULE 5.     TECHNOLOGY FEE SCHEDULE

SCHEDULE 6.     SERVICES FEE SCHEDULE

SCHEDULE 7.     STATEMENT(S) OF WORK TEMPLATE

SCHEDULE 8.     END USER TERMS AND CONDITIONS

SCHEDULE 9.     DATA LETTER AGREEMENT TEMPLATE

SCHEDULE 10.    SHORT-TERM TERMINABLE SERVICES

<PAGE>
<TABLE>
<CAPTION>
                       SCHEDULE 6. SERVICES FEE SCHEDULE
------------------------------------------------------------------------------------------------------------------
  DOS
REFERENCE         CATEGORIES             SERVICES                                          FIXED          VARIABLE
------------------------------------------------------------------------------------------------------------------
<S>               <C>                    <C>                                               <C>            <C>
                  PROJECT                Time & Materials                                                  [*]
                  WORK                   Consultant Fees                                                   [*]
                                         Merger & Acquisition Activity                                     [*]

  1               FNIS CALL              Call Center Description
                  CENTER                   -Desktop Services - NLS                                         [*]
                                           -NLS - Evening back up tapes                    [*]
                                           -Print Shop Desktop Support                                     [*]
                                           -Claims/Legal Desktop Support                   [*]
                                           -Trust Accounting Desktop Support                               [*]
                                           -Asset Management Desktop Support                               [*]
                                           -Cash Management Desktop Support                                [*]
                                         Trust Services Group Desktop Support                              [*]
                                           -Loan Portfolio Services Desktop Support                        [*]
                                           -Trust Services Group Desktop Support                           [*]
                                         Other Project Work                                                [*]

   2              FNF CORPORATE          CLAIMS                                            [*]
                  SYSTEMS                  -CPS - Claims Processing System
                                           -LIPS - Litigation Inquiry Processing System
                                           -Reinsurance System
                                         NAS - National Agency System
                                           -Premier
                                           -AIMS
                                         Accounting Application Support
                                           -Bank Reconciliation (Simon, STAT)
                                           -GL Interface
                                           -NBU - National Business Units
                                           -Document Direct
                                         Corporate Mainframe
                                         Forms Processing - 1099s                          [*]
                                         Other Project Work                                                [*]

   3              CTT PRODUCTION         SIERRA TISTAR                                     [*]
                  SYSTEMS                TEAM                                              [*]
                                           -TEAM Application Support
                                           -TEAM After Hour Support
                                           -NLS/Conseco Support Service
                                           -EorderNet Support Service
                                           -Team Document Delivery
                                           -CTT/EDI - Team Bank Reconciliation
                                         Team/Plant Hardware Maintenance                   [*]
                                         Other Project Work                                                [*]

   4              FNT PRODUCTION         SIMON                                             [*]
                  SYSTEMS                SIMON Application Support                         [*]
                                           -SIMON Hardware Support
                                           -SIMON Field Services Support
                                           -SIMON Networking Support
                                           -SIMON After Hours Support - General & ME
                                           -RETS Application Support
                                           -RETS Hardware Support
                                           -STATS Application Support
                                           -Sparing Strategy
                                           -OMS Translator/RealEC
                                           -STAT - Stand Alone/Batch Trust Accounting
                                           -FNDS - Document Services
                                           -RETS - Real Estate Tracking Services (NJ only)
                                           -HIQ - Homeonwers Insurance Quote
                                           -Field Tech Services
</TABLE>
------------------------
 [*] Omitted pursuant to Rule 24b-2.

<PAGE>

<TABLE>
<CAPTION>
  DOS
REFERENCE         CATEGORIES             SERVICES                                          FIXED          VARIABLE
---------         ----------             --------                                          -----          --------
<S>               <C>                    <C>                                               <C>            <C>
                                         SIMON (con't)
                                           -OTS Applicaton Support
                                           -OTS Hardware Support
                                           -OTS Field Services Support
                                           -OTS Networking Support
                                           -OTS 6.x, 7.x
                                           -OTS Lite
                                         OTS Gold Rush                                                     [*]
                                         SIMON Deployment (MAC)                                            [*]
                                         ExpressNet/EN Client                                [*]
                                         High Priority Inventory Management                  [*]
                                         Printer Support - Lexmark                           [*]
                                         Other Project Work                                                [*]

   5              DISTRIBUTED            Microsoft Server Support                            [*]
                  SYSTEMS                  -Novell Server Support
                                         Other Project Work                                                [*]

   6              EMAIL &                Email Support (General Support, Creations,          [*]
                  MESSAGING                deletions, mods, and synchs)                      [*]
                                           -BlackBerry Support (General Support, Setup,
                                               and terminations)
                                           -SPAM Application Monitoring (per mailbox)
                                         Other Project Work                                                [*]

   7              FNF-WAN & LAN          FNF-WAN*                                            [*]
                                                                                             [*]
                                         FNF Network Management                              [*]
                                         FNF Network Monitoring                              [*]

   8              PROPERTY               Plant Systems SLA - Chatsworth                      [*]
                  INSIGHT                Plant Systems SLA - Chicago                         [*]
                                         Plant Systems SLA - Miami                           [*]
                                         Project Work                                        [*]
                                         Data Center Projects                                              [*]

   9              TELECOM                Telecommunications Services                         [*]
                                         Long Distance Services                              [*]
                                                                                             [*]
 10/11            FNF WEB                FNF Web Hosting                                     [*]
                  SERVICES               Web Content Services                                [*]
                                         FNF Internal Web Sites                              [*]
                                         Other Project Work                                                [*]

  12              LDAP                   LDAP/Edirectory                                     [*]
                                         LDAP Ghost Account Mgmt                             [*]
                                         Usage & Customization                                             [*]

  13              TRAINING               Simon, STAT, OTS, Team                                            [*]
                                         Other Training                                                    [*]

 14/15            SECURITY & DRP         ESM Security and DRP                                [*]
                                         Team Disaster Recovery                              [*]
                                         Audits/Compliance Reporting/Privacy Policy/                       [*]
                                           Planning/Assessments
------------------------------------------------------------------------------------------------------------------
 [*] Omitted pursuant to Rule 24b-2.
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------------
  DOS
REFERENCE         CATEGORIES             SERVICES                                          FIXED          VARIABLE
------------------------------------------------------------------------------------------------------------------
<S>               <C>                    <C>                                               <C>            <C>
                  NGS                    NGS Development                                                  [*]
                                         NGS Data Center/NOC                                              [*]
                                         NGS Training                                                     [*]
                                         NGS Deployment                                                   [*]
                                         NGS Annual Maintenance                            [*]
                                         NGS Secuirity & DRP                               [*]
                                         NGS WAN                                                          [*]
------------------------------------------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>
*FNF WAN
Office Size                              Monthly Monitoring Rate
-----------
<S>               <C>                    <C>

Small             T1 or DSL              [*]
Medium            2 T1's                 [*]
Large             Over 2 T1's            [*]

                                         Monthly Maintenance Rate
Small             DSL                    [*]
Small             T1 or less             [*]
Medium            2 T1's                 [*]
Large             Over 2 T1's            [*]
</TABLE>
----------------------
 [*] Omitted pursuant to Rule 24b-2.<PAGE>
                                                                   EXHIBIT 10.65

                              AMENDED AND RESTATED

                           REVOLVING CREDIT AGREEMENT

                                 by and between

                        FIDELITY NATIONAL FINANCIAL, INC.
                                 (as the Lender)

                                       and

                  FIDELITY NATIONAL INFORMATION SOLUTIONS, INC.
                                (as the Borrower)

                                   DATED AS OF
                                December 19, 2002

<PAGE>

                              AMENDED AND RESTATED
                           REVOLVING CREDIT AGREEMENT

        This AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT, dated as of
December 19, 2002 (this "Agreement"), is entered into by and between among
FIDELITY NATIONAL INFORMATION SOLUTIONS, INC., a Delaware corporation (the
"Borrower"), and FIDELITY NATIONAL FINANCIAL, INC., a Delaware corporation (the
"Lender").

                                    RECITALS

        WHEREAS, the Lender and the Borrower entered into that certain Revolving
Credit and Security Agreement (the "Original Facility") dated September 24,
2000, pursuant to which Lender made available to Borrower on a revolving basis,
an aggregate principal amount of up to $25,000,000;

        WHEREAS, in order to enable the Borrower to obtain a secured credit
facility led by Wachovia Bank, National Association pursuant to a Credit
Agreement by and among Borrowers, the Lenders party thereto and Wachovia Bank,
National Association, as administrative agent (the "Wachovia Facility"), the
Lender and Borrower have agreed to amend and restate the Original Facility for
the purposes of (i) eliminating the security interest and (ii) subordinating the
Original Facility to the Wachovia Facility pursuant to the terms of that certain
Subordination Agreement between the Borrower and Lender of even date herewith;
and,

        WHEREAS, the Lender is willing to (i) amend the Original Facility as set
forth herein, and (ii) make revolving advances available upon and subject to the
terms and conditions hereinafter set forth;

        IN CONSIDERATION of the mutual covenants and undertakings herein
contained, the Borrower and the Lender hereby agree as follows:

        I. DEFINITIONS.

               1.1 Accounting Terms. As used in this Agreement or any
certificate, report or other document made or delivered pursuant to this
Agreement, accounting terms not defined in Section 1.2 or elsewhere in this
Agreement and accounting terms partly defined in Section 1.2 to the extent not
defined, shall have the respective meanings given to them under GAAP.

                1.2 General Terms. For purposes of this Agreement the following
terms shall have the following meanings:

                "Additional Amounts" shall have the meaning set forth in Section
3.6(a).

                "Affiliate" of any Person shall mean (a) any Person which,
directly or indirectly, is in control of, is controlled by, or is under common
control with such Person, or (b) any Person who is a director or officer (i) of
such Person, (ii) of any Subsidiary of such Person or (iii) of any Person
described in clause (a) above. For purposes of this definition, control of a
Person shall mean the power, direct or indirect, (x) to vote 5% or more of the
securities having ordinary voting power for the election of directors of such
Person, or (y) to direct or cause the direction of the management and policies
of such Person whether by contract or otherwise.

<PAGE>

               "Borrower" is defined in the Introduction hereto and shall extend
to all permitted successors and assigns.

                "Borrower on a consolidated basis" shall mean the Borrower and
all of its Subsidiaries, and, in connection with any accounting matters, shall
mean the Borrower and all of its Subsidiaries on a consolidated basis in
accordance with GAAP.

                "Borrower's Account" shall have the meaning set forth in Section
2.7.

                "Borrower Parties" means the Borrower and its Subsidiaries,
including without limitation Vista Environmental Information, Inc., a Delaware
corporation, E/Risk Information Services, a California corporation, GeoSure,
Inc., a Delaware corporation, GeoSure, LP, a New York limited partnership,
Ensite Corporation of Denver, a Colorado corporation, EcoSearch Acquisition,
Inc., a Delaware corporation, EcoSearch Environmental Resources, Inc., an
Indiana corporation, NRC Acquisition, L.L.C., a New York limited liability
company, NRC Insurance Services, Inc., a North Carolina corporation, Vista DMS,
Inc., a Delaware corporation, and VISTAinfo Canada, Inc., an Ontario
corporation.

                "Business Day" shall mean any day other than Saturday or Sunday
or a legal holiday on which commercial banks are authorized or required by law
to be closed for business in San Francisco, California.

                "Charges" shall mean all taxes, charges, fees, imposts, levies
or other assessments, including, without limitation, all net income, gross
income, gross receipts, sales, use, ad valorem, value added, transfer,
franchise, profits, inventory, capital stock, license, withholding, payroll,
employment, social security, unemployment, excise, severance, stamp, occupation
and property taxes, custom duties, fees, assessments, liens, claims and charges
of any kind whatsoever, together with any interest and any penalties, additions
to tax or additional amounts, imposed by any taxing or other authority, domestic
or foreign (including, without limitation, the Pension Benefit Guaranty
Corporation or any environmental agency or superfund), upon the Borrower or any
of its Affiliates.

                "Closing Date" shall mean December 19, 2002, or such other date
as may be agreed to by the parties hereto.

                "Code" shall mean the Internal Revenue Code of 1986, as amended
from time to time and the regulations promulgated thereunder.

                "Consents" shall mean all filings and all licenses, permits,
consents, approvals, authorizations, qualifications and orders of Governmental
Bodies and other third parties, domestic or foreign, necessary to carry on the
Borrower's business, including, without limitation, any Consents required under
all applicable federal, state or other applicable law.

                "Default" shall mean an event which, with the giving of notice
or passage of time or both, would constitute an Event of Default.

                "Default Rate" shall have the meaning set forth in Section 3.1
hereof.

                "Dollar" and the sign "$" shall mean lawful money of the United
States of America.

                                       2
<PAGE>

                "Event of Default" shall mean the occurrence of any of the
events set forth in Article VIII hereof.

                "GAAP" shall mean generally accepted accounting principles in
the United States of America in effect from time to time.

                "Governmental Body" shall mean any nation or government, any
state, province or other political subdivision thereof or any entity exercising
the legislative, judicial, regulatory or administrative functions of or
pertaining to a government.

                "Indebtedness" of a Person at a particular date shall mean all
obligations of such Person which in accordance with GAAP would be classified
upon a balance sheet as liabilities (except capital stock and surplus earned or
otherwise) and in any event, without limitation by reason of enumeration, shall
include all indebtedness, debt and other similar monetary obligations of such
Person whether direct or guaranteed, and all premiums, if any, due at the
required prepayment dates of such indebtedness, and all indebtedness secured by
a Lien on assets owned by such Person, whether or not such indebtedness actually
shall have been created, assumed or incurred by such Person. Any indebtedness of
such Person resulting from the acquisition by such Person of any assets subject
to any Lien shall be deemed, for the purposes hereof, to be the equivalent of
the creation, assumption and incurring of the indebtedness secured thereby,
whether or not actually so created, assumed or incurred.

                "Interest Rate" shall mean the Prime Rate plus two percent
(2.0%).

                "Lender" is defined in the Introduction and shall include each
Person which becomes a transferee, successor or assign of any Lender.

                "Lien" shall mean any mortgage, deed of trust, pledge,
hypothecation, assignment, security interest, lien (whether statutory or
otherwise), Charge, claim or encumbrance, or preference, priority or other
security agreement or preferential arrangement held or asserted in respect of
any asset of any kind or nature whatsoever including, without limitation, any
conditional sale or other title retention agreement, any lease having
substantially the same economic effect as any of the foregoing, and the filing
of, or agreement to give, any financing statement under the Uniform Commercial
Code, Personal Property Security Legislation or comparable law of any
jurisdiction.

                "Material Adverse Effect" shall mean, with respect to the
Borrower or any of its Subsidiaries, a material adverse effect on the
properties, business, operations or financial condition of any such Person or
the ability of any such Person to perform its obligations under the loan
documents or material contracts, in each case to which it is a party.

                "Maximum Revolving Advance Amount" shall mean $25,000,000.

                "Obligations" shall mean and include any and all loans,
advances, debts, liabilities, obligations, covenants and duties owing by the
Borrower Parties to the Lender or to any other direct or indirect subsidiary or
affiliate of the Lender of any kind or nature, present or future (including,
without limitation, any interest accruing thereon after maturity, or after the
filing of any petition in bankruptcy, or the commencement of any insolvency,
reorganization or like proceeding relating to the Borrower Parties, whether or
not a claim for post-filing or post-petition interest is allowed in such
proceeding), whether or not evidenced by any note, guaranty or other instrument,
whether arising

                                       3
<PAGE>

under any agreement, instrument or document, (including, without limitation,
this Agreement and the Other Documents) whether or not for the payment of money,
whether arising by reason of an extension of credit, opening of a letter of
credit, loan, equipment lease or guarantee, under any interest or currency swap,
future, option or other similar agreement, or in any other manner, whether
arising out of overdrafts or deposit or other accounts or electronic funds
transfers (whether through automated clearing houses or otherwise) or out of the
Lender's non-receipt of or inability to collect funds or otherwise not being
made whole in connection with depository transfer check or other similar
arrangements, whether direct or indirect (including those acquired by assignment
or participation), absolute or contingent, joint or several, due or to become
due, now existing or hereafter arising, contractual or tortious, liquidated or
unliquidated, regardless of how such indebtedness or liabilities arise or by
what agreement or instrument they may be evidenced or whether evidenced by any
agreement or instrument, including, but not limited to, any and all of the
Borrower's Indebtedness and/or liabilities under this Agreement, the Other
Documents or under any other agreement between the Lender and the Borrower
Parties and any amendments, extensions, renewals or increases and all costs and
expenses of the Lender incurred in the documentation, negotiation, modification,
enforcement, collection or otherwise in connection with any of the foregoing,
including but not limited to reasonable attorneys' fees and expenses and all
obligations of the Borrower Parties to the Lender to perform acts or refrain
from taking any action.

                "Other Documents" shall mean the Revolving Credit Note and any
and all other agreements, instruments and documents, including, without
limitation, guaranties, pledges, powers of attorney, consents, and all other
writings heretofore, now or hereafter executed by the Borrower or the other
Borrower Parties and/or delivered to the Lender in respect of the transactions
contemplated by this Agreement.

                "Payment Office" shall mean such office of the Lender which it
may designate by notice to the Borrower to be the Payment Office.

                "Person" shall mean any individual, sole proprietorship,
partnership, corporation, business trust, joint stock company, trust,
unincorporated organization, association, limited liability company,
institution, public benefit corporation, joint venture, entity or Government
Body.

                "Personal Property Security Legislation" shall mean any
applicable personal property security legislation as all such legislation now
exists or may from time to time hereafter be amended, modified, recodified,
supplemented or replaced, together with all rules, regulations thereunder or
related thereto.

                "Prime Rate" shall mean the prime rate as reported by The Wall
Street Journal from time to time, such rate to be adjusted automatically,
without notice, on the effective date of any change in such rate.

                "Quarterly Advances" shall have the meaning set forth in Section
3.1 hereof.

                "Receiver" shall have the meaning set forth in Section 9.1.

                "Revolving Advances" has the meaning set forth in Section 2.1.

                "Revolving Credit Note" shall mean the promissory note attached
hereto as Exhibit A.

                                       4
<PAGE>

                "Subordination Agreement" shall mean that certain Subordination
Agreement by and between the Borrower, the Lender and Wachovia Bank, National
Association, as administrative agent under the Wachovia Facility, of even date
herewith.

                "Subsidiary" shall mean a corporation or other entity of whose
shares of stock or other ownership interests having ordinary voting power (other
than stock or other ownership interests having such power only by reason of the
happening of a contingency) to elect a majority of the directors of such
corporation, or other Persons performing similar functions for such entity, are
owned, directly or indirectly, by such Person.

                "Taxes" shall mean all taxes, surtaxes, duties, levies, imposts,
rates, fees, assessments, withholdings, dues and other charges of any nature
imposed by any Governmental Body (including income, capital (including large
corporations), withholding, consumption, sales, use, transfer, goods and
services or other value-added, excise, customs, anti-dumping, countervail, net
worth, stamp, registration, franchise, payroll, employment, health, education,
business, school, property, local improvement, development, education
development and occupation taxes, surtaxes, duties, levies, imposts, rates,
fees, assessments, withholdings, dues and charges) together with all fines,
interest, penalties on or in respect of, or in lieu of or for non-collection of,
those taxes, surtaxes, duties, levies, imposts, rates, fees, assessments,
withholdings, dues and other charges (excluding taxes imposed on the net income
or capital of the Lender); excluding, however, the following: taxes imposed on
the net income or capital of the Lender by the jurisdiction under the laws of
which the Lender is organized or is resident or carrying on business or any
political subdivision thereof and taxes imposed on its net income or capital by
the jurisdiction the Lender's applicable lending office or any political
subdivision thereof.

                "Term" shall have the meaning set forth in Section 11.1 hereof.

                "Wachovia Facility" shall have the meaning set forth in the
second recital hereof.

                1.3 Uniform Commercial Code Terms. All terms used herein and
defined in the Uniform Commercial Code as in effect from time to time in the
State of California shall have the meaning given therein unless otherwise
defined herein.

                1.4 Certain Matters of Construction. In this Agreement and in
the Other Documents, unless otherwise indicated, (a) the term "or" shall not be
exclusive, (b) the term "including" shall mean "including, but not limited to,"
and (c) the terms "below," "above," "herein," "hereof," "hereto," "hereunder"
and other terms similar to such terms shall refer to the subject document as a
whole and not merely to the specific section, subsection, paragraph or clause
where such terms may appear. Any pronoun used shall be deemed to cover all
genders. Wherever appropriate in the context, terms used herein in the singular
also include the plural and vice versa. All references to statutes and related
regulations shall include any amendments of same and any successor statutes and
regulations. Unless otherwise provided, all references to any instruments or
agreements to which the Lender is a party, including, without limitation,
references to any of the Other Documents, shall include any and all
modifications or amendments thereto and any and all extensions or renewals
thereof.

                                       5
<PAGE>

        II. REVOLVING ADVANCES, PAYMENTS.

               2.1 Revolving Advances. Subject to the terms and conditions set
forth in this Agreement, the Lender will make advances to the Borrower (each a
"Revolving Advance") in an aggregate principal amount for all such Revolving
Advances outstanding at any time not to exceed the Maximum Revolving Advance
Amount. For the avoidance of doubt, all Advances made pursuant to the Original
Facility shall continue to the deemed Revolving Advances hereunder and the
parties hereto continue to be bound by all of their rights, obligations and
duties hereunder with respect thereto.

                2.2 Procedure for Borrowing Revolving Advances. The Borrower may
notify the Lender prior to 3:00 p.m. (California time) one Business Day in
advance of the requested date of the Revolving Advance of Borrower's request to
incur, on such day, a Revolving Advance hereunder. A form of request for the
initial Revolving Advance hereunder is attached hereto as Exhibit B. Should any
amount required to be paid as interest hereunder, or as fees or other charges
under this Agreement or any other agreement with the Lender, or with respect to
any other Obligation, become due, same shall be deemed a request for a Revolving
Advance as of the date such payment is due, in the amount required to pay in
full such interest, fee, charge or Obligation under this Agreement or any other
agreement with the Lender, and such request shall be irrevocable.

                2.3 Disbursement of Revolving Advance Proceeds. All Revolving
Advances shall be disbursed from whichever office or other place the Lender may
designate from time to time and, together with any and all other Obligations of
the Borrower to the Lender, shall be charged to Borrowers' Account on the
Lender's books. During the Term, the Borrower may use the Revolving Advances by
borrowing, prepaying and reborrowing, all in accordance with the terms and
conditions hereof. The proceeds of each Revolving Advance requested by the
Borrower or deemed to have been requested by the Borrower under Section 2.2
hereof shall, with respect to requested Revolving Advances to the extent the
Lender makes such Revolving Advances, be made available to the Borrower on the
day so requested by way of credit to the Borrower's operating account with the
Lender, in immediately available funds or, with respect to Revolving Advances
deemed to have been requested by the Borrower, be disbursed to the Lender to be
applied to the outstanding Obligations giving rise to such deemed request.

                2.4 Maximum Revolving Advances. The aggregate balance of
Revolving Advances outstanding at any time shall not exceed the Maximum
Revolving Advance Amount.

                2.5 Repayment of Revolving Advances.

                        (a) The Revolving Advances shall be due and payable in
full on the last day of the Term subject to earlier prepayment as herein
provided.

                        (b) The Borrower recognizes that the amounts evidenced
by checks, notes, drafts or any other items of payment may not be collectible by
the Lender on the date received. In consideration of the Lender's agreement to
conditionally credit Borrower's Account as of the Business Day on which the
Lender receives those items of payment, the Borrower agrees that, in computing
the charges under this Agreement, all items of payment shall be deemed applied
by the Lender on account of the Obligations one (1) Business Day after the
Business Day the Lender receives such payments via wire transfer or electronic
depository check. The Lender is not, however, required to credit Borrower's
Account for the amount of any item of payment which is unsatisfactory

                                       6
<PAGE>

to the Lender and the Lender may charge Borrower's Account for the amount of any
item of payment which is returned to the Lender unpaid.

                        (c) All payments of principal, interest and other
amounts payable hereunder, or under any of the Other Documents shall be made to
the Lender at the Payment Office not later than 1:00 P.M. (California time) on
the due date therefor in lawful money of the United States of America in funds
immediately available to the Lender. The Lender shall have the right to
effectuate payment on any and all Obligations due and owing hereunder by
charging Borrower's Account or by making Revolving Advances as provided in
Section 2.2 hereof.

                        (d) The Borrower shall pay principal, interest, and all
other amounts payable hereunder, or under any related agreement, without any
deduction whatsoever, including, but not limited to, any deduction for any
setoff or counterclaim.

                2.6 Repayment of Excess Revolving Advances. The aggregate
balance of Revolving Advances outstanding at any time in excess of the maximum
amount of Revolving Advances permitted hereunder shall be immediately due and
payable without the necessity of any demand, at the Payment Office, whether or
not a Default or Event of Default has occurred.

                2.7 Unsecured Facility; Subordination. The repayment of any and
all obligations are unsecured. The Borrower shall execute, deliver, file or
record any necessary termination statement in each jurisdiction in which the
filing, registration or recordation thereof is so required or requested, under
the Uniform Commercial Code, Personal Property Security Legislation or
comparable law of any jurisdiction, to evidence the termination of Lender's
security interest created pursuant to the Original Facility. The repayment of
any and all Obligations are hereby expressly subordinated to the extent and in
the manner specified in the Subordination Agreement, and regardless of any
priority otherwise available to the Lender by law or by agreement, the lenders
pursuant to the Wachovia Facility shall hold a first priority security interest
in all collateral securing repayment to the Wachovia Facility pursuant to the
terms and conditions of the Subordination Agreement.

                2.8 Statement of Account. The Lender shall maintain, in
accordance with its customary procedures, a loan account ("Borrower's Account")
in the name of the Borrower in which shall be recorded the date and amount of
each Revolving Advance made by the Lender and the date and amount of each
payment in respect thereof; provided, however, the failure by the Lender to
record the date and amount of any Revolving Advance shall not adversely affect
the Lender. Each fiscal quarter, the Lender shall send to the Borrower a
statement showing the accounting for the Revolving Advances made, payments made
or credited in respect thereof, and other transactions between the Lender and
the Borrower during such month. The monthly statements shall be deemed correct
and binding upon the Borrower in the absence of manifest error and shall
constitute an account stated between the Lender and the Borrower unless the
Lender receives a written statement of the Borrower's specific exceptions
thereto within thirty (30) days after such statement is received by the
Borrower. The records of the Lender with respect to the loan account shall be
conclusive evidence, absent manifest error, of the amounts of Revolving Advances
and other charges thereto and of payments applicable thereto.

                2.9 Additional Payments. Any sums expended by the Lender due to
the Borrower's failure to perform or comply with its obligations under this
Agreement or any Other Document are due and payable in ordinary course and added
to the Obligations.

                                       7
<PAGE>

                2.10 Manner of Payment. All payments (including prepayments) to
be made by the Borrower on account of principal, interest and fees shall be made
without set off or counterclaim and shall be made to the Lender at the Payment
Office, in each case on or prior to 1:00 p.m., California time, in Dollars and
in immediately available funds.

                2.11 Use of Proceeds. The Borrower shall apply the proceeds of
Revolving Advances to pay fees and expenses relating to this transaction, for
general corporate purposes and to provide for its working capital needs.

        III. INTEREST AND FEES.

                3.1 Interest. Interest on Revolving Advances shall be payable in
arrears on each March 31, June 30, September 30 and December 31 while any of the
Obligations are outstanding. Interest charges shall be computed on the actual
principal amount of Revolving Advances outstanding during the quarter (the
"Quarterly Advances") at a rate per annum equal to the Interest Rate. Whenever,
subsequent to the date of this Agreement, the Prime Rate is increased or
decreased, the Interest Rate shall be similarly changed without notice or demand
of any kind by an amount equal to the amount of such change in the Prime Rate
during the time such change or changes remain in effect. Upon and after the
occurrence of an Event of Default, and during the continuation thereof, the
Obligations shall bear interest at the Interest Rate plus two percent (2%) per
annum (the "Default Rate").

                3.2 Computation of Interest and Fees. Interest and fees
hereunder shall be computed on the basis of a year of 360 days and for the
actual number of days elapsed. If any payment to be made hereunder becomes due
and payable on a day other than a Business Day, the due date thereof shall be
extended to the next succeeding Business Day and interest thereon shall be
payable at the Interest Rate during such extension.

                3.3 Maximum Charges. In no event whatsoever shall interest and
other charges charged hereunder exceed the highest rate permissible under law.
In the event interest and other charges as computed hereunder would otherwise
exceed the highest rate permitted under law, such excess amount shall be first
applied to any unpaid principal balance owed by the Borrower, and if the then
remaining excess amount is greater than the previously unpaid principal balance,
the Lender shall promptly refund such excess amount to the Borrower and the
provisions hereof shall be deemed amended to provide for such permissible rate.

                3.4 Increased Costs. In the event that any applicable law,
treaty or governmental regulation, or any change therein or in the
interpretation or application thereof, or compliance by the Lender with any
request or directive (whether or not having the force of law) from any
financial, monetary or other authority, shall:

                        (a) subject the Lender to any tax of any kind whatsoever
with respect to this Agreement or any Other Document or change the basis of
taxation of payments to the Lender of principal, fees, interest or any other
amount payable hereunder or under any Other Documents (except for changes in the
rate of tax on the overall net income the Lender by the jurisdiction in which it
maintains its principal office); or

                                       8
<PAGE>

                        (b) impose, modify or hold applicable any reserve,
special deposit, assessment or similar requirement against assets held by, or
deposits in or for the account of, advances or loans by, or other credit
extended by, any office of the Lender;

and the result of any of the foregoing is to increase the cost to the Lender of
making, renewing or maintaining its Revolving Advances hereunder by an amount
that the Lender deems to be material or to reduce the amount of any payment
(whether of principal, interest or otherwise) in respect of any of the Revolving
Advances by an amount that the Lender deems to be material, then, in any case
the Borrower shall promptly pay the Lender, upon its demand, such additional
amount as will compensate the Lender for such additional cost or such reduction,
as the case may be. The Lender shall certify the amount of such additional cost
or reduced amount to the Borrower, and such certification shall be conclusive
absent manifest error.

                3.5 Capital Adequacy.

                        (a) In the event that the Lender shall have determined
that any applicable law, rule, treaty, regulation or guideline regarding capital
adequacy, reserve requirements or any change therein, or any change in the
interpretation or administration thereof by any Governmental Body charged with
the interpretation or administration thereof, or compliance by the Lender with
any request or directive regarding capital adequacy (whether or not having the
force of law) of any such authority has or would have the effect of reducing the
rate of return on the Lender's capital as a consequence of its obligations
hereunder to a level below that which the Lender could have achieved but for
such adoption, change or compliance (taking into consideration the Lender's
policies with respect to capital adequacy) by an amount deemed by the Lender to
be material, then, from time to time, the Borrower shall pay upon demand to the
Lender such additional amount or amounts as will compensate the Lender for such
reduction. In determining such amount or amounts, the Lender may use any
reasonable averaging or attribution methods. The protection of this Section
shall be available to the Lender regardless of any possible contention of
invalidity or inapplicability with respect to the applicable law, regulation or
condition.

                        (b) A certificate of the Lender setting forth such
amount or amounts as shall be necessary to compensate the Lender with respect to
clause (a) above when delivered to the Borrower shall be conclusive absent
manifest error.

                3.6 Taxes.

                        (a) Any and all payments or reimbursements made by the
Borrower hereunder shall be made free and clear of and without deduction for any
and all present and future Taxes. If the Borrower shall be required by law or by
the interpretation or administration thereof to deduct or withhold any such
Taxes from or in respect of any sum payable hereunder or under this Agreement or
any Other Document to the Lender, then the Borrower will pay such additional
amounts ("Additional Amounts") as may be necessary so that every net payment
under this Agreement (including Additional Amounts) after withholding or
deduction for or on account of such Taxes will not be less than the amount the
Lender would have received if such Taxes had not been withheld or deducted . The
Borrower will also (i) make such withholding or deduction and (ii) remit the
full amount deducted or withheld to the relevant authority in accordance with
applicable law. The Borrower will furnish to the Lender, within 15 days after
the date the payment of any Taxes is due pursuant to applicable law, certified
copies of tax receipts evidencing such payment by the Borrower. The Borrower
will indemnify and hold the Lender harmless against and upon written

                                       9
<PAGE>

request shall reimburse the Lender for the amount of (i) any Taxes levied or
imposed and paid by the Lender as a result of payments in respect of any
Revolving Advances (including any such Taxes imposed with respect to such
reimbursement) and (ii) any liability (including penalties, interest and
expenses) arising from or with respect to such Taxes described above.

                        (b) In the event that, after the date hereof, (i) any
changes in any existing law, regulation, treaty or directive or in the
interpretation or application thereof, (ii) any new law, regulation, treaty or
directive enacted or any interpretation or application thereof, or (iii)
compliance by the Lender with any request or directive (whether or not having
the force of law) from any Governmental Body does or shall subject the Lender to
any tax of any kind whatsoever or causes the withdrawal or termination of a
previously granted tax exemption with respect to this Agreement, the Other
Documents or any Revolving Advances made, or change the basis of taxation of
payments to the Lender of principal, fees, interest or any other amount payable
hereunder (except for net income taxes or capital taxes, or franchise taxes
imposed in lieu of net income taxes or capital taxes, or changes in the rate of
tax on the overall net income or capital of the Lender) and the result of any of
the foregoing is to increase the cost to the Lender of making or continuing any
Revolving Advances hereunder, as the case may be, or to reduce any amount
receivable hereunder; then, in any such case, the Borrower shall promptly pay to
the Lender, upon its demand, any additional amounts necessary to compensate the
Lender, on an after-tax basis, for such additional cost or reduced amount
receivable, as determined by the Lender with respect to this Agreement or the
Other Documents. If the Lender becomes entitled to claim any additional amounts
pursuant to this subsection, it shall promptly notify the Borrower of the event
by reason of which the Lender has become so entitled. A certificate as to any
additional amounts payable pursuant to the foregoing sentence submitted by the
Lender to the Borrower shall, absent manifest error, be final, conclusive and
binding for all purposes.

                        (c) Without prejudice to the survival of any other
provision of this Agreement or the Other Documents, the agreements and
obligations of the Borrower contained in this Section shall survive the
Termination Date.

        IV. REPRESENTATIONS AND WARRANTIES.

        The Borrower represents and warrants as follows:

                4.1 Authority. The Borrower has full power, authority and legal
right to enter into this Agreement and the Other Documents and to perform all
its respective Obligations hereunder and thereunder. This Agreement and the
Other Documents constitute the legal, valid and binding obligation of the
Borrower enforceable in accordance with their terms, except as such
enforceability may be limited by any applicable bankruptcy, insolvency,
moratorium or similar laws affecting creditors' rights generally. The execution,
delivery and performance of this Agreement and of the Other Documents (a) are
within the Borrower's corporate powers, have been duly authorized, are not in
contravention of law or the terms of the Borrower's by-laws, certificate of
incorporation or other applicable documents relating to the Borrower's formation
or to the conduct of the Borrower's business or of any material agreement or
undertaking to which the Borrower is a party or by which the Borrower is bound,
and (b) will not conflict with nor result in any breach in any of the provisions
of or constitute a default under or result in the creation of any Lien upon any
asset of the Borrower Parties under the provisions of any agreement, charter
document, instrument, by-law, or other instrument to which any Borrower Party is
a party or by which it or its property may be bound.

                                       10
<PAGE>

               4.2 Survival of Representations and Warranties. All
representations and warranties of the Borrower contained in this Agreement and
the Other Documents shall be true at the time of the Borrower's execution of
this Agreement and the Other Documents, and shall survive the execution,
delivery and acceptance thereof by the parties thereto and the closing of the
transactions described therein or related thereto.

                4.3 Disclosure. No representation or warranty made by the
Borrower in this Agreement or in any financial statement, report, certificate or
any other document furnished in connection herewith contains any untrue
statement of a material fact or omits to state any material fact necessary to
make the statements herein or therein not misleading. There is no fact known to
the Borrower or which reasonably should be known by the Borrower which the
Borrower has not disclosed to the Lender in writing which could reasonably be
expected to have a Material Adverse Effect on any Borrower Party.

        V. COVENANTS.

                5.1 Affirmative Covenants. The Borrower shall, until payment in
full of the Obligations and termination of this Agreement:

                        (a) Payment of Fees. Pay to the Lender on demand all
usual and customary fees and expenses which the Lender incurs in connection with
the forwarding of Revolving Advance proceeds.

                        (b) Conduct of Business and Maintenance of Existence and
Assets. (a) Conduct continuously and operate actively its business according to
good business practices and maintain all of its properties useful or necessary
in its business in good working order and condition (reasonable wear and tear
excepted and except as may be disposed of in accordance with the terms of this
Agreement), including, without limitation, all licenses, patents, copyrights,
design rights, tradenames, trade secrets and trademarks and take all actions
necessary to enforce and protect the validity of any intellectual property
right; (b) keep in full force and effect its existence and comply in all
material respects with the laws and regulations governing the conduct of its
business where the failure to do so could reasonably be expected to have a
Material Adverse Effect on the Borrower; and (c) make all such reports and pay
all such franchise and other taxes and license fees and do all such other acts
and things as may be lawfully required to maintain its rights, licenses, leases,
powers and franchises under the laws of the United States and Canada or any
political subdivision thereof where the failure to do so could reasonably be
expected to have a Material Adverse Effect on the Borrower.

                        (c) Violations. Promptly (and in no event later than ten
(10) days after an officer of the Company obtains knowledge thereof) notify the
Lender in writing of any violation of any law, statute, regulation or ordinance
of any Governmental Body, or of any agency thereof, applicable to any Borrower
which could reasonably be expected to have a Material Adverse Effect on the
Borrower.

        VI. CONDITIONS PRECEDENT.

                6.1 Conditions to Initial Revolving Advances. The agreement of
the Lender to make any initial Revolving Advance requested to be made on the
Closing Date is subject to the satisfaction, or waiver by the Lender,
immediately prior to or concurrently with the making of such Revolving Advance,
of the following conditions precedent:

                                       11
<PAGE>

                        (a) Revolving Credit Note. The Lender shall have
received the Revolving Credit Note duly executed and delivered by an authorized
officer of the Borrower;

                        (b) Corporate Proceedings of Borrower. The Lender shall
have received a copy of the resolutions, in form and substance reasonably
satisfactory to the Lender, of the Board of Directors of the Borrower
authorizing the execution, delivery and performance of this Agreement, and the
Other Documents, in each case certified by the Secretary or an Assistant
Secretary of the Borrower as of the Closing Date; and, such certificate shall
state that the resolutions thereby certified have not been amended, modified,
revoked or rescinded as of the date of such certificate;

                        (c) No Litigation. (i) No litigation, investigation or
proceeding before or by any arbitrator or Governmental Body shall be continuing
or threatened against any Borrower Party or against the officers or directors of
any Borrower Party (A) in connection with this Agreement or the Other Documents
or any of the transactions contemplated thereby and which, in the reasonable
opinion of the Lender, is deemed material or (B) which could, in the reasonable
opinion of the Lender, have a Material Adverse Effect; and (ii) no injunction,
writ, restraining order or other order of any nature materially adverse to any
Borrower Party or the conduct of its business or inconsistent with the due
consummation of the transactions contemplated hereby shall have been issued by
any Governmental Body;

                        (d) Payment Instructions. The Lender shall have received
written instructions from the Borrower in the form attached hereto as Exhibit B
directing the application of proceeds of any initial Revolving Advance made
pursuant to this Agreement;

                        (e) Consents. The Lender shall have received any and all
Consents necessary to permit the effectuation of the transactions contemplated
by this Agreement and the Other Documents; and such Consents and waivers of such
third parties as the Lender shall deem necessary; and

                        (f) Other. All corporate and other proceedings, and all
documents, instruments and other legal matters in connection with the
transactions contemplated hereby shall be satisfactory in form and substance to
the Lender.

                6.2 Conditions to Each Revolving Advance. The agreement of the
Lender to make any Revolving Advance requested to be made on any date
(including, without limitation, any initial Revolving Advance), is subject to
the satisfaction of the following conditions precedent as of the date such
Revolving Advance is made:

                        (a) Representations and Warranties. Each of the
representations and warranties made by the Borrower in or pursuant to this
Agreement and any related agreements to which it is a party, and each of the
representations and warranties contained in any certificate, document or
financial or other statement furnished at any time under or in connection with
this Agreement or any related agreement shall be true and correct in all
material respects on and as of such date as if made on and as of such date;

                        (b) No Default. No Event of Default or Default shall
have occurred and be continuing on such date, or would exist after giving effect
to the Revolving Advances requested to be made, on such date; provided, however
that the Lender, in its sole discretion, may continue to make Revolving Advances
notwithstanding the existence of an Event of Default or Default and that

                                       12
<PAGE>

any Revolving Advances so made shall not be deemed a waiver of any such Event of
Default or Default; and

                        (c) Maximum Revolving Advances. In the case of any
Revolving Advances requested to be made, after giving effect thereto, the
aggregate Revolving Advances shall not exceed the Maximum Revolving Advance
Amount.

Each request for a Revolving Advance by the Borrower hereunder shall constitute
a representation and warranty by the Borrower as of the date of such Revolving
Advance that the conditions contained in this subsection shall have been
satisfied.

        VII. INFORMATION AS TO BORROWER.

        The Borrower shall, until satisfaction in full of the Obligations and
the termination of this Agreement:

                7.1 Disclosure of Material Matters. Immediately upon learning
thereof, report to the Lender all matters materially affecting the value,
enforceability or collectibility of any portion of the Revolving Advances made
hereunder, including without limitation, any Borrower Party's reclamation or
repossession of, or the return to any Borrower Party of, a material amount of
goods or claims or disputes asserted by any customer or other obligor.

                7.2 Material Occurrences. Promptly (and in no event later than
ten (10) days after an officer of the Company obtains knowledge thereof) notify
the Lender in writing upon the occurrence of (a) any Event of Default or
Default; (b) any event, development or circumstance whereby any financial
statements or other reports furnished to the Lender fail in any material respect
to present fairly, in accordance with GAAP consistently applied, the financial
condition or operating results of the Borrower as of the date of such
statements; (c) each and every default by any Borrower Party which might result
in the acceleration of the maturity of any Indebtedness, including the names and
addresses of the holders of such Indebtedness with respect to which there is a
default existing or with respect to which the maturity has been or could be
accelerated, and the amount of such Indebtedness; and (d) any other development
in the business or affairs of any Borrower Party which could reasonably be
expected to have a Material Adverse Effect; in each case describing the nature
thereof and the action the Borrower propose to take with respect thereto.

                7.3 Reports. Furnish the Lender as soon as available, but in any
event within ten (10) days after the issuance thereof, with copies of such
financial statements, reports and returns as the Borrower shall send to its
stockholders.

                7.4 Additional Information. Furnish the Lender with such
additional information as the Lender shall reasonably request in order to enable
the Lender to determine whether the terms, covenants, provisions and conditions
of this Agreement have been complied with by the Borrower.

                7.5 Additional Documents. Execute and deliver to the Lender,
upon request, such documents and agreements as the Lender may, from time to
time, reasonably request to carry out the purposes, terms or conditions of this
Agreement.

                                       13
<PAGE>

        VIII. EVENTS OF DEFAULT.

        The occurrence of any one or more of the following events shall
constitute an "Event of Default":

                8.1 failure by the Borrower to pay any principal or interest on
the Obligations when due, whether at maturity or by reason of acceleration
pursuant to the terms of this Agreement or by notice of intention to prepay, or
by required prepayment or failure to pay any other liabilities or make any other
payment, fee or charge provided for herein when due or in any Other Document and
such default shall continue unremedied for a period of five (5) business days;

                8.2 any representation or warranty made or deemed made by the
Borrower in this Agreement or any related agreement or in any certificate,
document or financial or other statement furnished at any time in connection
herewith or therewith shall prove to have been misleading in any material
respect on the date when made or deemed to have been made;

                8.3 failure by the Borrower to (i) furnish financial information
when due or when requested, or (ii) permit the inspection of its books or
records and such Default shall continue for a period of thirty (30) days after
written notice thereof has been delivered by the Lender;

                8.4 the Borrower shall (i) apply for, consent to or suffer the
appointment of, or the taking of possession by, a receiver, receiver-manager,
custodian, trustee, liquidator or similar fiduciary of itself or of all or a
substantial part of its property, (ii) make a general assignment for the benefit
of creditors, (iii) commence a voluntary case under any state, provincial or
federal bankruptcy, insolvency, reorganization or other similar law of any
jurisdiction (or any readjustment of debt, arrangement, moratorium, dissolution
or liquidation law or statute) (as now or hereafter in effect), (iv) be
adjudicated a bankrupt or insolvent, (v) file a petition seeking to take
advantage of any other law providing for the relief of debtors, (vi) acquiesce
to, or fail to have dismissed, within thirty (30) days, any petition filed
against it in any involuntary case under such bankruptcy laws, or (vii) take any
action for the purpose of effecting any of the foregoing;

                8.5 the Borrower shall admit in writing its inability, or be
generally unable, to pay its debts as they become due or cease operations of its
present business;

                8.6 any material provision of this Agreement or any of the Other
Agreements shall, for any reason, cease to be valid and binding on the Borrower,
or the Borrower shall so claim in writing to the Lender.

        IX. LENDER'S RIGHTS AND REMEDIES AFTER DEFAULT.

                9.1 Rights and Remedies. Subject to the terms of the
Subordination Agreement upon the occurrence of (i) an Event of Default pursuant
to Section 8.4, all Obligations shall be immediately due and payable and this
Agreement and the obligation of the Lender to make Revolving Advances shall be
deemed terminated; and, (ii) any of the other Events of Default and at any time
thereafter (such default not having previously been cured), at the option of the
Lender, all Obligations shall be immediately due and payable and the Lender
shall have the right to terminate this Agreement and to terminate its obligation
to make Revolving Advances; and (iii) a filing of a petition against any
Borrower Party in any involuntary case under any state, provincial or federal
bankruptcy laws, the obligation of the Lender to make Revolving Advances
hereunder shall be

                                       14
<PAGE>

terminated, other than as may be required by an appropriate order of the
bankruptcy court having jurisdiction over any Borrower Party. Upon the
occurrence of any Event of Default, the Lender shall have the right to exercise
any and all other rights and remedies provided for herein, and at law or equity
generally (all without notice to or consent by the Borrower except as such
notice or consent as expressly provided for hereunder or required by applicable
law).

                9.2 Lender's Discretion. Subject to the terms of the
Subordination Agreement, the Lender shall have the right in its sole discretion
to determine which rights or remedies the Lender may at any time pursue,
relinquish, subordinate, or modify or to take any other action with respect
thereto and such determination will not in any way modify or affect any of the
Lender's rights hereunder.

                9.3 Setoff. In addition to any other rights which the Lender may
have under applicable law, upon the occurrence of an Event of Default hereunder,
the Lender shall have a right to apply any Borrower Party's property held by the
Lender to reduce the Obligations.

                9.4 Rights and Remedies not Exclusive. The enumeration of the
foregoing rights and remedies is not intended to be exhaustive and the exercise
of any right or remedy shall not preclude the exercise of any other right or
remedies provided for herein or otherwise provided by law, all of which shall be
cumulative and not alternative.

        X. WAIVERS AND JUDICIAL PROCEEDINGS.

                10.1 Waiver of Notice. The Borrower hereby waives notice of
non-payment of any of the Receivables, demand, presentment, protest and notice
thereof with respect to any and all instruments, notice of acceptance hereof,
notice of loans or advances made, credit extended, or any other action taken in
reliance hereon, and all other demands and notices of any description, except
such as are expressly provided for herein.

                10.2 Delay. No delay or omission on the Lender's part in
exercising any right, remedy or option shall operate as a waiver of such or any
other right, remedy or option or of any default.

                10.3 Jury Waiver. EACH PARTY TO THIS AGREEMENT HEREBY EXPRESSLY
WAIVES ANY RIGHT TO TRIAL BY JURY OF ANY CLAIM, DEMAND, ACTION OR CAUSE OF
ACTION (A) ARISING UNDER THIS AGREEMENT OR ANY OTHER INSTRUMENT, DOCUMENT OR
AGREEMENT EXECUTED OR DELIVERED IN CONNECTION HEREWITH, OR (B) IN ANY WAY
CONNECTED WITH OR RELATED OR INCIDENTAL TO THE DEALINGS OF THE PARTIES HERETO OR
ANY OF THEM WITH RESPECT TO THIS AGREEMENT OR ANY OTHER INSTRUMENT, DOCUMENT OR
AGREEMENT EXECUTED OR DELIVERED IN CONNECTION HEREWITH, OR THE TRANSACTIONS
RELATED HERETO OR THERETO IN EACH CASE WHETHER NOW EXISTING OR HEREAFTER
ARISING, AND WHETHER SOUNDING IN CONTRACT OR TORT OR OTHERWISE AND EACH PARTY
HEREBY CONSENTS THAT ANY SUCH CLAIM, DEMAND, ACTION OR CAUSE OF ACTION SHALL BE
DECIDED BY COURT TRIAL WITHOUT A JURY, AND THAT ANY PARTY TO THIS AGREEMENT MAY
FILE AN ORIGINAL COUNTERPART OR A COPY OF THIS SECTION WITH ANY COURT AS WRITTEN
EVIDENCE OF THE CONSENTS OF THE PARTIES HERETO TO THE WAIVER OF THEIR RIGHT TO
TRIAL BY JURY.

                                       15
<PAGE>

        XI. EFFECTIVE DATE AND TERMINATION.

                11.1 Term. This Agreement shall become effective on the date
hereof and shall continue in full force and effect until September 21, 2007 (the
"Term"), unless sooner terminated as herein provided. The Borrower may terminate
this Agreement at any time with ninety (90) days' prior written notice and upon
payment in full of the Obligations.

                11.2 Termination. The termination of the Agreement shall not
affect the Borrower's or the Lender's rights, or any of the Obligations having
their inception prior to the effective date of such termination, and the
provisions hereof shall continue to be fully operative until all transactions
entered into, rights or interests created or Obligations have been fully
disposed of, concluded or liquidated. The rights granted to the Lender hereunder
shall continue in full force and effect, notwithstanding the termination of this
Agreement or the fact that Borrower's Account may from time to time be
temporarily in a zero or credit position, until all of the Obligations have been
paid or performed in full after the termination of this Agreement or the
Borrower has furnished the Lender with an indemnification satisfactory to the
Lender with respect thereto. All representations, warranties, covenants, waivers
and agreements contained herein shall survive termination hereof until all
Obligations are paid or performed in full.

        XII. MISCELLANEOUS.

                12.1 Governing Law. This Agreement shall be governed by and
construed in accordance with the laws of the State of California applied to
contracts to be performed wholly within the State of California. Any judicial
proceeding brought by or against the Borrower with respect to any of the
Obligations, this Agreement or any related agreement may be brought in any court
of competent jurisdiction in the State of California (unless otherwise specified
in any Other Document), and, by execution and delivery of this Agreement, the
Borrower accepts for itself and in connection with its properties, generally and
unconditionally, the non-exclusive jurisdiction of the aforesaid courts, and
irrevocably agrees to be bound by any judgment rendered thereby in connection
with this Agreement. The Borrower hereby waives personal service of any and all
process upon it and consents that all such service of process may be made by
registered mail (return receipt requested) directed to the Borrower at its
address set forth in Section 12.6 and service so made shall be deemed completed
five (5) days after the same shall have been so deposited in the mails of the
United States of America or Canada, or, at the Lender's option, by service upon
the Borrower. Nothing herein shall affect the right to serve process in any
manner permitted by law or shall limit the right of the Lender to bring
proceedings against the Borrower in the courts of any other jurisdiction. The
Borrower waives any objection to jurisdiction and venue of any action instituted
hereunder and shall not assert any defense based on lack of jurisdiction or
venue or based upon forum non conveniens. Any judicial proceeding by the
Borrower against the Lender involving, directly or indirectly, any matter or
claim in any way arising out of, related to or connected with this Agreement or
any related agreement, shall be brought only in a federal or state court located
in the County of Santa Barbara, State of California.

                12.2 Entire Understanding. This Agreement and the documents
executed concurrently herewith contain the entire understanding between the
Borrower and the Lender and supersedes all prior agreements and understandings,
if any, relating to the subject matter hereof. Any promises, representations,
warranties or guarantees not herein contained and hereinafter made shall have no
force and effect unless in writing, signed by the Borrower and the Lender.
Neither this Agreement nor any portion or provisions hereof may be changed,
modified, amended, waived,

                                       16
<PAGE>

supplemented, discharged, cancelled or terminated orally or by any course of
dealing, or in any manner other than by an agreement in writing, signed by the
party to be charged. The Borrower acknowledges that it has been advised by
counsel in connection with the execution of this Agreement and Other Documents
and is not relying upon oral representations or statements inconsistent with the
terms and provisions of this Agreement.

                12.3 Successors and Assigns. This Agreement shall be binding
upon and inure to the benefit of the Borrowers, the Lender, all future holders
of the Obligations and their respective successors and assigns, except that the
Borrower may not assign or transfer any of its rights or obligations under this
Agreement without the prior written consent of the Lender.

                12.4 Application of Payments. The Lender shall have the
continuing and exclusive right to apply or reverse and re-apply any payment to
any portion of the Obligations. To the extent that any Borrower Party makes a
payment or the Lender receives any payment for the Borrower's benefit, which are
subsequently invalidated, declared to be fraudulent or preferential, set aside
or required to be repaid to a trustee, debtor in possession, receiver, custodian
or any other party under any bankruptcy law, common law or equitable cause,
then, to such extent, the Obligations or part thereof intended to be satisfied
shall be revived and continue as if such payment or proceeds had not been
received by the Lender.

                12.5 Indemnity. The Borrower shall indemnify the Lender, and
each of its officers, directors, Affiliates, employees and agents, from and
against any and all liabilities, obligations, losses, damages, penalties,
actions, judgments, suits, costs, expenses and disbursements of any kind or
nature whatsoever (including, without limitation, fees and disbursements of
counsel) which may be imposed on, incurred by, or asserted against the Lender in
any litigation, proceeding or investigation instituted or conducted by any
Governmental Body or any other Person with respect to any aspect of, or any
transaction contemplated by, or referred to in, or any matter related to, this
Agreement or the Other Documents, whether or not the Lender is a party thereto,
except to the extent that any of the foregoing arises out of the willful
misconduct of the party being indemnified.

                12.6 Notice. Any notice or request hereunder may be given to the
Borrower or to the Lender at their respective addresses set forth below or at
such other address as may hereafter be specified in a notice designated as a
notice of change of address under this Section. Any notice or request hereunder
shall be given by (a) hand delivery, (b) overnight courier, (c) registered or
certified mail, return receipt requested, (d) telex or telegram, subsequently
confirmed by registered or certified mail, or (e) telecopy to the number set out
below (or such other number as may hereafter be specified in a notice designated
as a notice of change of address) with electronic confirmation of its receipt.
Any notice or other communication required or permitted pursuant to this
Agreement shall be deemed given (a) when personally delivered to any officer of
the party to whom it is addressed, (b) on the earlier of actual receipt thereof
or three (3) days following posting thereof by certified or registered mail,
postage prepaid, or (c) upon actual receipt thereof when sent by a recognized
overnight delivery service or (d) upon actual receipt thereof when sent by
telecopier to the number set forth below with electronic confirmation of its
receipt, in each case addressed to each party at its address set forth below or
at such other address as has been furnished in writing by a party to the other
by like notice:

                                       17
<PAGE>

            (A) If to the Lender:  Fidelity National Financial, Inc.
                                   4050 Calle Real
                                   Santa Barbara, California 93110
                                   Attention: Chief Financial Officer
                                   Telecopier: 805-696-7812

            (B) If to Borrower:    Fidelity National Information Solutions, Inc.
                                   4050 Calle Real
                                   Santa Barbara, California 93110
                                   Attention: Chief Financial Officer
                                   Telecopier: 805-696-7499

                12.7 Severability. If any part of this Agreement is contrary to,
prohibited by, or deemed invalid under applicable laws or regulations, such
provision shall be inapplicable and deemed omitted to the extent so contrary,
prohibited or invalid, but the remainder hereof shall not be invalidated thereby
and shall be given effect so far as possible.

                12.8 Expenses. All costs and expenses including, without
limitation, reasonable legal or attorneys' fees (including the allocated costs
of in house counsel) and disbursements incurred by the Lender (a) in all efforts
made to enforce payment of any Obligation, or (b) in connection with the
entering into, modification, amendment, administration and enforcement of this
Agreement or any consents or waivers hereunder and all related agreements,
documents and instruments, or (c) in instituting, maintaining, preserving, and
enforcing the Lender's rights under this Agreement, whether through judicial
proceedings or otherwise, or (d) in defending or prosecuting any actions or
proceedings arising out of or relating to the Lender's transactions with any
Borrower Party, or (e) in connection with any advice given to the Lender with
respect to its rights and obligations under this Agreement and all related
agreements, may be charged to Borrower's Account and shall be part of the
Obligations.

                12.9 Injunctive Relief. The Borrower recognizes that, in the
event the Borrower fails to perform, observe or discharge any of its obligations
or liabilities under this Agreement, any remedy at law may prove to be
inadequate relief to the Lender; therefore, the Lender shall be entitled to
temporary and permanent injunctive relief in any such case without the necessity
of proving that actual damages are not an adequate remedy.

                12.10 Consequential Damages. Neither the Lender nor its agents
or attorneys shall be liable to any Borrower Party for consequential damages
arising from any breach of contract, tort or other wrong relating to the
establishment, administration or collection of the Obligations.

                12.11 Captions. The captions at various places in this Agreement
are intended for convenience only and do not constitute and shall not be
interpreted as part of this Agreement.

                12.12 Counterparts; Telecopied Signatures. This Agreement may be
executed in any number of and by different parties hereto on separate
counterparts, all of which, when so executed, shall be deemed an original, but
all such counterparts shall constitute one and the same agreement. Any signature
delivered by a party by facsimile transmission shall be deemed to be an original
signature hereto.

                                       18
<PAGE>

                12.13 Construction. The parties acknowledge that each party and
its counsel have reviewed this Agreement and that the normal rule of
construction to the effect that any ambiguities are to be resolved against the
drafting party shall not be employed in the interpretation of this Agreement or
any amendments, schedules or exhibits thereto.

                                       19
<PAGE>

        Each of the parties has signed this Agreement as of the day and year
first above written.

                                  FIDELITY NATIONAL INFORMATION SOLUTIONS, INC.,
                                  a Delaware corporation

                                  By:
                                     -------------------------------------------
                                     Neil A. Johnson
                                     Executive Vice President
                                     and Chief Financial Officer

                                  FIDELITY NATIONAL FINANCIAL, INC.,
                                  a Delaware corporation

                                  By:
                                     -------------------------------------------
                                     Peter T. Sadowski
                                     Executive Vice President/General Counsel

<PAGE>

                                    Exhibit A

                        Form of Revolving Promissory Note

                             [submitted separately]

<PAGE>

                                    Exhibit B

               Payment Instructions for Initial Revolving Advance

                          REQUEST FOR REVOLVING ADVANCE

                                     [Date]

Fidelity National Financial, Inc.
4050 Calle Real
Santa Barbara, California 93110

Ladies and Gentlemen:

        The undersigned, Fidelity National Information Solutions, Inc., refers
to that certain Amended and Restated Revolving Credit Agreement, dated as of
[____________, 2002] (as amended from time to time, the "Credit Agreement," the
terms defined therein being used herein as therein defined), by and between the
undersigned and you, and hereby gives you notice pursuant to Section 2.2 of the
Credit Agreement, that the undersigned hereby requests a Revolving Advance under
the Credit Agreement, and in that connection sets forth below the information
relating to such Revolving Advance (the "Proposed Advance").

        (i) The Business Day of the Proposed Advance is ____________, 200_.

        (ii) The aggregate principal amount of the Proposed Advance is
$_______________.

        (iii) The Proposed Advance shall be used for the purposed set forth
below:

<TABLE>
<CAPTION>
        ------------------------------------------------------------------------
        PURPOSE                                             AMOUNT
        ------------------------------------------------------------------------
<S>                                                     <C>
                                                        $_____________
        ------------------------------------------------------------------------
</TABLE>

        The undersigned hereby certifies that the following statements are true
on the date hereof, and will be true on the date of the Proposed Advance:

                (A) the representations and warranties of the undersigned
contained in the Credit Agreement are correct as though made on and as of such
date (except to the extent that such representations and warranties are made as
of a specified earlier date); and

                (B) no Default or Event of Default has occurred and is
continuing, or would result from such Proposed Advance or from the application
of the proceeds thereof.

                                   Very truly yours,

                                   Fidelity National Information Solutions, Inc.

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

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