Document:

<PAGE>
                                                                    Exhibit 10.5

                           EMPLOYEE MATTERS AGREEMENT

This EMPLOYEE MATTERS AGREEMENT (the "Agreement") dated as of September 27, 2005
by and between FIDELITY NATIONAL FINANCIAL, INC., a Delaware corporation
("FNF"), and FIDELITY NATIONAL TITLE GROUP, INC., a Delaware corporation ("FNT"
and together with FNF, the "Parties" and individually, a "Party").

                                    RECITALS:
      WHEREAS upon the effectiveness of the registration statement relating to
the distribution of certain shares of common stock of FNT to the FNF
stockholders (the "Distribution"), FNT will no longer be a wholly owned
subsidiary of FNF; and

      WHEREAS, the Parties hereto wish to set forth their agreement as to
certain matters regarding the treatment of, and the compensation and employee
benefits provided to, employees of the FNT Group after consummation of the
Distribution.

      NOW, THEREFORE, in consideration of the foregoing and the mutual covenants
and conditions set forth below, the Parties hereby agree with legal and binding
effect as follows:

                                  ARTICLE I.
                                   DEFINITIONS

      The following terms, as used herein, shall have the following meanings:

            1.1 "Affiliate" means, with respect to any specified Person, a
Person that directly, or indirectly through one or more intermediaries,
controls, is controlled by, or is under common control with, such specified
Person. For purposes of this Agreement, the term "control" means the possession,
directly or indirectly, of the power to direct or cause the direction of the
management and policies of an entity, whether through ownership of voting
securities, by contract or otherwise.

            1.2   "Agreement" has the meaning set forth in the preamble.

            1.3 "Change of Control of FNT" means any event or circumstance
causing FNF to own or control, directly or indirectly, fifty percent (50%) or
less of the stock, or other equity interest entitled to vote on the election of
the members to the board of directors or similar governing body, of FNT.

            1.4   "Closing Date" has the meaning ascribed to such term in the
Separation Agreement.

            1.5 "Code" means the Internal Revenue Code of 1986, as amended, and
the regulations thereunder.

                                       1
<PAGE>
                                                                    Exhibit 10.5

            1.6   "Employee Benefit Plan" means:

                  (a) any plan, fund, or program that provides health, medical,
            surgical, hospital or dental care or other welfare benefits, or
            benefits in the event of sickness, accident or disability, or death
            benefits, apprenticeship or other training programs, or day care
            centers, scholarship funds, or prepaid legal services,

                  (b) any plan, fund, or program that provides retirement income
            to employees or results in a deferral of income by employees for
            periods extending to the termination of covered employment or
            beyond,

                  (c) any plan, fund or program that provides severance,
            unemployment, vacation or fringe benefits (including dependent and
            health care accounts),

                  (d) any incentive compensation plan, deferred compensation
            plan, stock option or stock-based incentive or compensation plan, or
            stock purchase plan, or

                  (e) any other "employee pension benefit plan" (as defined in
            Section 3(2) of ERISA), any other "employee welfare benefit plan"
            (as defined in Section 3(1) of ERISA), and any other written or oral
            plan, agreement or arrangement involving direct or indirect
            compensation including, without limitation, insurance coverage,
            severance benefits, disability benefits, fringe benefits, pension or
            retirement plans, profit sharing, deferred compensation, bonuses,
            stock options, stock purchase, phantom stock, stock appreciation or
            other forms of incentive compensation or post-retirement
            compensation.

            1.7 "ERISA" means the Employee Retirement Income Security Act of
1974, as amended, and the regulations thereunder.

            1.8   "FNF" has the meaning set forth in the preamble.

            1.9   "FNF 401(k) Plan" Fidelity National Financial, Inc. 401(k)
and Profit Sharing Plan, as may be amended from time to time.

            1.10 "FNF ESPP" means the Fidelity National Financial, Inc. Employee
Stock Purchase Plan, as may be amended from time to time.

            1.11  "FNF Flex Plans" is defined in Section 2.3 herein.

            1.12 "FNF Group" means FNF, the FNF Subsidiaries and each Person
that is an Affiliate of FNF (other than FNT or any FNT Group Member) immediately
after the Closing Date.

            1.13  "FNF Health Plans" is defined in Section 2.2 herein.

            1.14  "FNF Options" is defined in Section 3.1(a) herein.

            1.15  "FNT" has the meaning set forth in the preamble.

                                       2
<PAGE>
                                                                    Exhibit 10.5

            1.16  "FNT 401(k) Plan" is defined in Section 2.1(b) herein.

            1.17 "FNT Group" means FNT, the FNT Subsidiaries and each Person
that FNT controls, directly or indirectly, immediately after the Closing Date.

            1.18  "FNT Group Member" means a member of the FNT Group.

            1.19 "Group Member" means either a member of the FNT Group or a
member of the FNF Group, as the context requires.

            1.20  "Non-U.S. Employee" means each employee of FNT or any FNT
Group Member on a non-U.S. payroll.

            1.21  "Party" and "Parties" have the meanings set forth in the
preamble.

            1.22 "Person" means an individual, a partnership, a corporation, a
limited liability company, an association, a joint stock company, a trust, a
joint venture, an unincorporated organization and a governmental entity or any
department, agency, or political subdivision thereof.

            1.23 "Separation Agreement" means that certain Separation Agreement
dated as of September 27, 2005 between FNF and FNT.

            1.24 "Subsidiaries" means with respect to any specified Person, any
corporation or other legal entity of which such Person controls or owns,
directly or indirectly, more than fifty percent (50%) of the stock or other
equity interest entitled to vote on the election of the members to the board of
directors or similar governing body.

            1.25  "Transition Date" is defined in Section 2.2 herein.

            1.26  "U.S. Employee" means each employee of FNT or any FNT Group
Member on a U.S. payroll.

                                 ARTICLE II.
                            U.S. EMPLOYEE MATTERS

            2.1   Continued Plan Participation.

                  (a) All U.S. Employees will continue to participate in the FNF
401(k) Plan (under the same terms and conditions under which they participated
immediately prior to the Closing Date) during the period commencing on the
Closing Date and continuing until a Change of Control of FNT occurs or until
such earlier date as may be agreed to by the Parties. As long as any U.S.
Employees participate in the FNF 401(k) Plan, FNT agrees to pay timely, or cause
to be paid timely, to the FNF 401(k) Plan all elective deferrals and matching or
other employer contributions related to the participation in the FNF 401(k) Plan
of the U.S. Employees, in each case in accordance with the applicable FNF 401(k)
Plan contribution procedures.

                                       3
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                                                                    Exhibit 10.5

                  (b) If FNT establishes a qualified defined contribution
retirement plan ("FNT 401(k) Plan"), as soon as practicable after the date the
FNT 401(k) Plan has received its determination letter from the Internal Revenue
Service that it is qualified in form under Section 401(a) of the Code (or such
earlier date as may be agreed to by the Parties), FNF shall cause the accounts,
if any, of the U.S. Employees, their beneficiaries and their respective
alternate payees, if any, under the FNF 401(k) Plan to be transferred to the FNT
401(k) Plan, and FNT shall cause such transferred accounts to be accepted by the
FNT 401(k) Plan, in accordance with Section 414(l) of the Code to the extent
applicable. Such transfer shall include credit for any Company matches allocable
for the period ending on the last day such U.S. Employees participate in the FNF
401(k) Plan, it being understood that no condition exists that such U.S.
Employee be employed by a participating employer on any other date to be
eligible for such allocation. The transfer of such accounts shall be made in
cash, interests in mutual funds, securities or other property or in a
combination thereof, as the Parties may agree; provided that, to the extent
practicable, the transferred accounts shall be reinvested initially in
investments under the FNT 401(k) Plan that are comparable to the investments in
which such accounts were invested immediately before the date of transfer,
except with respect to portions of the transferred accounts invested in FNF
common stock. Any outstanding U.S. Employee loan balances under the FNF 401(k)
Plan shall also be transferred with the underlying accounts.

            2.2 Health and Dental Plans; Disability Plans. During the period
commencing on the Closing Date and continuing until a Change of Control of FNT
occurs or until such earlier date as may be agreed to by the Parties (the
"Transition Date"), FNT shall continue to participate in the FNF medical and
dental benefit plans (collectively, the "FNF Health Plans") for the benefit of
the eligible employees of the FNT Group, and FNF shall consent thereto, all in
accordance with the terms of those plans. FNT (or the applicable FNT Group
Member) shall timely pay to the FNF Health Plans (or their providers or
insurers, as applicable) its portion of employer expenses for the FNF Health
Plans in accordance with the applicable cost allocation method in effect
immediately prior to the Closing Date (or such other method as may be agreed to
by the Parties). Notwithstanding the foregoing, if after commercially reasonable
efforts FNT has not established its own replacement benefit plans by the
Transition Date, such Transition Date shall be deferred an additional 90 days.

            2.3 Health Reimbursement Plan and Dependent Care Plan. During the
period commencing on the Closing Date and continuing until the Transition Date,
FNT shall continue to participate in FNF's health and dependent care flexible
spending account plans (the "FNF Flex Plans") for the benefit of U.S. employees,
and FNF shall consent thereto, in accordance with the respective terms of such
plans. Immediately prior to the Transition Date or such earlier date specified
by the Parties, U.S. Employees shall cease to contribute to the FNF Flex Plans,
in accordance with the respective terms of such plans and FNF and FNT agree that
account balances of participating U.S. Employees shall be transferred to new FNT
health and dependent care flexible spending account plans.

            2.4 Other Welfare and Nonqualified Pension Plans. During the period
commencing on the Closing Date and continuing until the Transition Date, FNT
shall participate in FNF's (i) employee welfare benefit plans (as defined in
Section 3(1) of ERISA and including, but not limited to, the life insurance,
dependent life insurance, accidental death and dismemberment insurance, long-
and short-term disability insurance, business travel accident insurance, vision

                                       4
<PAGE>
                                                                    Exhibit 10.5

care, employee assistance, retiree life and medical insurance, long-term care
insurance, and legal assistance plans) not already covered in Section 2.2 and
2.3 above, and (ii) employee pension benefit plans (as defined in Section 3(2)
of ERISA) that are not intended to be tax-qualified under Section 401(a) of the
Code, for the benefit of eligible employees of the FNT Group, and FNF shall
consent thereto, all in accordance with the terms of those plans. FNT (or the
applicable FNT Group Member) shall continue to timely pay to FNF or the
applicable FNF Group Plans its portion of employer expenses with respect to the
welfare plans and non-qualified plans described in this Section 2.4 (and/or any
related trusts) in accordance with the applicable cost allocation method in
effect immediately prior to the Closing Date (or such other method as may be
agreed to by the Parties). Immediately prior to the Transition Date, all U.S.
Employees who participate in any of said welfare plans or non-qualified plans
shall cease to participate in those plans, and distribution of any benefits to
which they are entitled under those non-qualified plans shall be made at the
time and in the manner provided under those plans.

            2.5   Non-U.S. Employee Benefits.  During the period commencing
on the Closing Date and continuing until the Transition Date, FNT shall
continue to participate in FNF's Non-U.S. Plans and such other employee
benefit plans outside of the United States.

                                 ARTICLE III.
             STOCK OPTIONS AND STOCK-BASED INCENTIVE COMPENSATION

            3.1 FNF Options. All options to purchase FNF common stock ("FNF
Options") held by U.S. Employees will remain subject to the same terms and
conditions under which they were held as of the Closing Date; provided, however,
that the number of shares subject to each FNF Option and the per-share exercise
price of the FNF Options will be adjusted to reflect the impact of the
Distribution. Any SFAS 123 or SFAS 123(R) charges related to the FNF Options
shall be treated by FNT (or the applicable FNT Group Member) as a contribution
to capital by FNF; provided, it is understood by the parties that FNF shall not
be entitled to issuance of any equity in connection with such contribution to
capital.

            3.2 FNF Restricted Stock. All employees of the FNT Group who have
received awards of FNF restricted stock will continue to hold their shares of
FNF restricted stock after the Closing Date on the same terms and conditions
under which they were held as of the Closing Date. As of the date of the
Distribution, such employees will receive unrestricted FNT common stock in the
Distribution in the same proportion as other FNF stockholders. Any SFAS 123 or
SFAS 123(R) charges related to the FNF restricted stock shall be treated by FNT
(or the applicable FNT Group Member) as a contribution to capital by FNF;
provided, it is understood by the parties that FNF shall not be entitled to
issuance of any equity in connection with such contribution to capital.

            3.3   Employee Stock Purchase Plan.  Until otherwise agreed to by
the Parties, the U.S. Employees will continue to participate in the FNF ESPP
after the Closing Date.

                                       5
<PAGE>
                                                                    Exhibit 10.5

                                   ARTICLE IV.
                                  MISCELLANEOUS

            4.1 Amendment or Termination of Employee Benefit Plans.
Notwithstanding anything herein to the contrary, neither the FNT Group nor the
FNF Group shall be restricted in any way from amending or, with 30 days advance
written notice to the other Party, terminating, at any time or for any reason,
their respective Employee Benefit Plans, in whole or in part, or with respect to
any employee or group of employees.

            4.2 Entire Agreement. This Agreement constitutes the entire
agreement between the Parties with respect to the subject matter hereof and
supersedes all prior written and oral (and all contemporaneous oral) agreements
and understandings with respect to the express subject matter hereof. For
purposes of this Section 4.2 only, references herein to this Agreement shall
include the Schedules and Exhibits to this Agreement.

            4.3 Cooperation. FNF and FNT agree to, and to cause their Group
Members to, cooperate and use reasonable efforts to promptly (i) comply with all
requirements of this Agreement, ERISA, the Code and other laws and regulations
that may be applicable to the matters addressed herein, (ii) subject to
applicable law, provide each other with such information reasonably requested by
the other Party to assist the other Party in administering the Employee Benefit
Plans, including for purposes of auditing and reviewing charges, costs and
allocation methodologies with respect to the provision of benefits under the
Employee Benefit Plans, (iii) comply with applicable law and regulations and the
terms of this Agreement, and (iv) to the extent agreed upon by FNT and FNF,
establish one or more replacement Employee Benefit Plans for FNT.

            4.4 Third Party Beneficiaries. This Agreement shall not confer
third-party beneficiary rights upon any employee of the FNT Group or FNF Group
or any other person or entity. Nothing in this Agreement shall be construed as
giving to any such employee or other person or entity any legal or equitable
right against FNF or FNT (or their respective Group Members). This Agreement
shall not constitute a contract of employment and will not give any employee or
other person a right to be employed by or retained in the employ of either FNF
or FNT (or their respective Group Members), unless the employee or other person
would otherwise have that right under applicable law. This Agreement shall not
be deemed to change that at-will status of any employee.

            4.5 Employment Records. After the Closing Date, as may be necessary
for any business purpose of the FNF Group or to permit the FNF Group to respond
to any government inquiry or audit, defend any claim or lawsuit or administer
any FNF Employee Benefit Plan, the FNT Group will allow the FNF Group reasonable
access to and, if requested, copies of any records relating to all U.S.
Employees and Non-U.S. Employees. The FNF Group shall be responsible for the
cost associated with the production and copies of such requested documents. FNF
acknowledges (for itself and its respective Group Members) that FNT and its
Group Members are under no obligation to retain the above-described records for
a period of time that exceeds FNT's internal document retention policy, or
applicable law, whichever is greater.

                                       6
<PAGE>
                                                                    Exhibit 10.5

            4.6 Termination; Liability for Costs. This Agreement shall terminate
when services are no longer being provided herein. FNF shall indemnify and hold
harmless FNT for any liability arising or related to any of the FNF Employee
Benefit Plans other than the actual costs for services or charge for benefits
charged to FNT as contemplated herein, provided that such liability arises out
of or relates to negligent conduct or willful misconduct or the violation of law
by FNF.

      IN WITNESS WHEREOF, the Parties as of the date set forth above have
executed this Employee Matters Agreement.

                                    FIDELITY NATIONAL FINANCIAL, INC.

                                    By    /s/ Todd C. Johnson
                                      ----------------------------------------
                                          Todd C. Johnson
                                          Senior Vice President

                                    FIDELITY NATIONAL TITLE GROUP, INC.

                                    By    /s/ Raymond R. Quirk
                                      ----------------------------------------
                                          Raymond R. Quirk
                                          Chief Executive Officer

                                       7<PAGE>
                                                                    Exhibit 10.6

                                                               EXECUTION VERSION

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

                          REGISTRATION RIGHTS AGREEMENT

                                     BETWEEN

                        FIDELITY NATIONAL FINANCIAL, INC.

                                       AND

                       FIDELITY NATIONAL TITLE GROUP, INC.

                         DATED AS OF SEPTEMBER 27, 2005

================================================================================
<PAGE>
                                TABLE OF CONTENTS

<TABLE>
<CAPTION>
                                                                              Page
                                                                              ----
<S>                                                                           <C>
ARTICLE I.  CERTAIN DEFINITIONS.............................................     1

  Section 1.1.  Definitions.................................................     1
  Section 1.2.  Interpretation..............................................     4

ARTICLE II.  DEMAND REGISTRATION............................................     5

  Section 2.1.  Demand Registration.........................................     5
  Section 2.2.  Piggyback Registrations.....................................     7
  Section 2.3.  SEC Form S-3................................................     9
  Section 2.4.  Holdback Agreements.........................................     9
  Section 2.5.  Registration Procedures.....................................    10
  Section 2.6.  Suspension of Dispositions..................................    13
  Section 2.7.  Registration Expenses.......................................    14
  Section 2.8.  Indemnification.............................................    14
  Section 2.9.  Transfer of Registration Rights.............................    17
  Section 2.10.  Rule 144...................................................    17
  Section 2.11.  Preservation of Rights.....................................    17

ARTICLE III.  TERMINATION...................................................    17

  Section 3.1.  Termination.................................................    17

ARTICLE IV.  MISCELLANEOUS..................................................    18

  Section 4.1.  Notices.....................................................    18
  Section 4.2.  Authority...................................................    19
  Section 4.3.  Governing Law...............................................    19
  Section 4.4.  Successors and Assigns......................................    19
  Section 4.5.  Severability................................................    19
  Section 4.6.  Remedies....................................................    19
  Section 4.7.  Waivers.....................................................    19
  Section 4.8.  Amendment...................................................    20
  Section 4.9.  Counterparts................................................    20
  Section 4.10.  Entire Agreement...........................................    20
  Section 4.11.  Descriptive Headings.......................................    20
  Section 4.12.  Construction...............................................    20
  Section 4.13.  Arbitration................................................    20
  Section 4.14.  Consent to Jurisdiction....................................    21
  Section 4.15.  Survival...................................................    22
</TABLE>

                                        i
<PAGE>
                          REGISTRATION RIGHTS AGREEMENT

      This Registration Rights Agreement (the "Agreement") is entered into as
September 27, 2005, by and between FIDELITY NATIONAL FINANCIAL, INC., a
Delaware corporation ("FNF"), and FIDELITY NATIONAL TITLE GROUP, INC., a
Delaware corporation (the "Company").

                                    RECITALS

      WHEREAS, FNF has undertaken a strategic restructuring plan, pursuant to
which the Company has been formed and will be the holding company for all of
FNF's title insurance subsidiaries and operations; and

      WHEREAS, in conjunction with this restructuring plan, the Parties have
entered into a Separation Agreement of even date herewith (the "Separation
Agreement"), pursuant to which certain businesses and subsidiaries will be
transferred and assigned to the Company; and

      WHEREAS, in conjunction with the Separation Agreement, the Company will
distribute a minority interest in the capital stock of the Company to the
stockholders of FNF as a dividend (the "Distribution"), pursuant to a
Registration Statement on Form S-1 filed by the Company with the SEC (the
"Initial Registration Statement"); and

      WHEREAS, after the Distribution, FNF will continue to hold a majority
of the capital stock of the Company; and

      WHEREAS, the Company has agreed to provide FNF with the registration
rights specified in this Agreement following the Distribution with respect to
any shares of Common Stock held by FNF or any other Holder, on the terms and
subject to the conditions set forth herein;

      NOW, THEREFORE, in consideration of the covenants and representations
contained herein, and for other good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the Company and FNF hereby agree as
follows:

                         ARTICLE I. CERTAIN DEFINITIONS

      Section 1.1. Definitions. As used herein, the following terms shall have
the following meanings with each such meaning being equally applicable to the
singular or plural form of such word:

      (i) "Adverse Effect" has the meaning specified in Section 2.1.

      (ii) "Advice" has the meaning specified in Section 2.6.

      (iii) "Agreement" has the meaning specified in the introductory paragraph
      hereof.

                                       1
<PAGE>
      (iv) "Business Day" means any day other than Saturday, Sunday or any other
      day on which banks are authorized or required to be closed in New York,
      New York.

      (v) "Common Stock" has the meaning set forth in the recitals hereto.

      (vi) "Company" has the meaning specified in the introductory paragraph
      hereof.

      (vii) "Company Expenses" means all reasonable, out-of-pocket fees and
      expenses incident to any Registration including, without limitation, the
      Company's performance of or compliance with Article 2, fees and expenses
      of compliance with securities or "blue sky" laws, all registration and
      filing fees, all fees and expenses associated with filings required to be
      made with the NASD (including, if applicable, the reasonable fees and
      expenses of any "qualified independent underwriter" as such term is
      defined in Schedule E of the By-Laws of the NASD, and of its counsel), as
      may be required by the rules and regulations of the NASD, the fees and
      expenses incurred in connection with any listing or quotation of the
      Registrable Shares, fees and expenses of counsel for the Company and its
      independent certified public accountants (including the expenses of any
      special audit or "cold comfort" letters required by or incident to such
      performance), the fees and expenses of any special experts retained by the
      Company in connection with such registration, and all commissions related
      to the registration or sales of the Registrable Shares, provided, however,
      that "Company Expenses" shall not included any Holder Expenses.

      (viii) "Demand Registration" has the meaning set forth in Section 2.1.

      (ix) "Demand Request" has the meaning set forth in Section 2.1.

      (x) "Demanding Shareholders" has the meaning set forth in Section 2.1.

      (xi) "Distribution" has the meaning set forth in the Recitals.

      (xii) "Exchange Act" shall mean the Securities Exchange Act of 1934, as
      amended from time to time, and the rules and regulations promulgated
      thereunder.

      (xiii) "Excluded Registration" means a registration under the Securities
      Act of (A) securities pursuant to one or more Demand Registrations
      pursuant to Section 2 hereof, (B) securities registered on Form S-8 or any
      similar successor form, and (C) securities registered to effect the
      acquisition of, or combination with, another Person.

      (xiv) "FNF" has the meaning specified in the introductory paragraph
      hereof.

      (xv) "Holder Expenses" means all costs and expenses arising from or
      related to (A) all registration and filing fees, all fees and expenses
      associated with filings required to be made with the NASD (including, if
      applicable, the reasonable fees and expenses of any "qualified independent
      underwriter" as such term is defined in Schedule E of the By-Laws of the
      NASD, and of its counsel), as may be required by the rules and regulations
      of the NASD; (B) all underwriting discounts; and (C) all commissions, and
      in the case of

                                       2
<PAGE>
      each of the preceding clauses, attributable to the sale of the Registrable
      Shares held by a Holder.

      (xvi) "Holder" means (A) FNF and (B) any direct or indirect transferee of
      FNF who shall become a party to this Agreement in accordance with Section
      2.9 and has agreed in writing to be bound by the terms of this Agreement.

      (xvii) "Initial Registration Statement" has the meaning set forth in the
      Recitals.

      (xviii) "Inspectors" has the meaning specified in Section 2.5.

      (xix) "Material Transaction" means any material transaction in which the
      Company or any of its subsidiaries proposes to engage or is engaged,
      including a purchase or sale of assets or securities, financing, merger,
      consolidation, tender offer or any other transaction that would require
      disclosure pursuant to the Exchange Act, and with respect to which the
      Company's Board of Directors reasonably has determined, in good faith,
      that compliance with this Agreement may reasonably be expected to either
      materially interfere with the Company's or such subsidiary's ability to
      consummate such transaction in a timely fashion or require the Company of
      disclose material, non-public information prior to such time as it would
      otherwise be required to be disclosed.

      (xx) "NASD" means the National Association of Securities Dealers, Inc.

      (xxi) "Person" means a natural person or any legal, commercial or
      governmental entity, such as, but not limited to, a corporation, general
      partnership, joint venture, limited partnership, limited liability
      company, trust, business association, group acting in concert, or any
      person acting in a representative capacity.

      (xxii) "Piggyback Registration" has the meaning specified in Section 2.2.

      (xxiii) "Prospectus" shall mean the prospectus included in any
      Registration Statement, as amended or supplemented by any prospectus
      supplement, with respect to the terms of the offering of any portion of
      the Registrable Securities covered by the Registration Statement and by
      all other amendments and supplements to the prospectus, including
      post-effective amendments and all material incorporated by reference in
      such Prospectus.

      (xxiv) "Records" has the meaning specified in Section 2.5.

      (xxv) "Register," "registered" and "registration" shall mean and refer to
      a registration effected by preparing and filing a Registration Statement
      and taking all other actions that are necessary or appropriate in
      connection therewith, and the declaration or ordering of effectiveness of
      such Registration Statement by the SEC.

      (xxvi)"Registrable Shares" means the Common Stock owned by the Holders,
      whether owned on the date hereof or acquired hereafter; provided, however,
      that shares of Common Stock that, pursuant to Section 3.1, no longer have
      registration rights hereunder shall not be considered Registrable Shares.

                                       3
<PAGE>
      (xxvii) "Registration Statement" shall mean any registration statement of
      the Company in compliance with Section 5 of the Securities Act and the
      rules and regulations thereunder that covers Registrable Securities or
      other Shares pursuant to the provisions of this Agreement, including,
      without limitation, the Prospectus, all amendments and supplements to such
      registration statement, including all post-effective amendments, all
      exhibits and all material incorporated by reference in such registration
      statement.

      (xxviii) "Registration" means a Demand Registration and/or a Piggyback
      Registration.

      (xxix) "Requesting Holders" shall mean any Holder(s) requesting to have
      its (their) Registrable Shares included in any Demand Registration or
      Shelf Registration.

      (xxx) "Required Filing Date" has the meaning specified in Section 2.1.

      (xxxi) "SEC" shall mean the Securities and Exchange Commission.

      (xxxii) "Securities Act" shall mean the Securities Act of 1933, as amended
      from time to time, and the rules and regulations promulgated thereunder.

      (xxxiii) "Seller Affiliates" has the meaning specified in Section 2.8.

      (xxxiv) "Separation Agreement" has the meaning set forth in the Recitals.

      (xxxv) "Shares" shall mean the outstanding Common Stock.

      (xxxvi) "Shelf Registration" has the meaning specified in Section 2.1.

      (xxxvii) "Suspension Notice" has the meaning specified in Section 2.6.

      (xxxviii) "Underwritten Registration" or "Underwritten Offering" shall
      mean a registration in which common equity securities of the Company are
      sold to an underwriter or through an underwriter as agent for reoffering
      to the public.

      Section 1.2. Interpretation. In this Agreement:

            (i) Words in the singular shall include the plural and vice versa;

            (ii) words shall include the common expansions, contractions and
modifications of the root word;

            (iii) any reference to a Person shall be construed as including a
reference to its successors, permitted transferees and permitted assignees in
accordance with their respective interests;

            (iv) any reference to this Agreement or any other agreement or
document shall be construed as a reference to that agreement or document as it
may have been, or may from time to time be, amended, varied, novated, replaced
or supplemented; and

                                       4
<PAGE>
            (v) any reference to a law, decree, statute or other enactment shall
be construed as a reference to such as it may have been, or may from time to
time be, amended or re-enacted and any subordinate legislation made or thing
done, or may from time to time be done, under the statute or enactment.

                        ARTICLE II. DEMAND REGISTRATION

      Section 2.1. Demand Registration.

            (i) Request for Registration.

                  (a) Any Holder or Holders of Registrable Shares shall have the
      right to require the Company to file a registration statement on Form S-1,
      S-2 or S-3, or any similar or successor to such forms under the Securities
      Act, for a public offering of all or part of its or their Registrable
      Shares (a "Demand Registration"), by delivering to the Company written
      notice stating that such right is being exercised, naming, if applicable,
      the Holders whose Registrable Shares are to be included in such
      registration (collectively, the "Demanding Shareholders"), specifying the
      number of each such Demanding Shareholder's Registrable Shares to be
      included in such registration and, subject to Section 2.1(iii) hereof,
      describing the intended method of distribution thereof (a "Demand
      Request"). The Initial Registration Statement shall not constitute a
      Demand Registration for any purpose under this Agreement.

                  (b) Each Demand Request shall specify the aggregate number of
      Registrable Shares proposed to be sold. Subject to Section 2.1(vi), the
      Company shall file the registration statement in respect of a Demand
      Registration as soon as practicable and, in any event, within forty-five
      (45) days after receiving a Demand Request (the "Required Filing Date")
      and shall use reasonable best efforts to cause the same to be declared
      effective by the SEC as promptly as practicable after such filing;
      provided, however, that:

                        (A) the Company shall not be obligated to effect a
            Demand Registration pursuant to Section 2.1(i)(a) (X) within 90 days
            after the effective date of a previous Demand Registration, other
            than a Shelf Registration pursuant to this Article 2, or (Y) within
            180 days after the effective date of the Initial Registration
            Statement;

                        (B) the Company shall not be obligated to effect a
            Demand Registration pursuant to Section 2.1(i)(a) unless the Demand
            Request is for a number of Registrable Shares with a market value
            that is equal to at least US$25 million as of the date of such
            Demand Request; and

                        (C) the Company shall not be obligated to effect
            pursuant to Section 2.1(i)(a) more than two (2) Demand Registrations
            during any rolling twelve (12) months period following the date
            hereof.

            (ii) Shelf Registration. With respect to any Demand Registration,
the Requesting Holders may request the Company to effect a registration of the
Common Stock

                                       5
<PAGE>
under a registration statement pursuant to Rule 415 under the Securities Act (or
any successor rule) (a "Shelf Registration").

            (iii) Selection of Underwriters. At the request of a majority of the
Requesting Holders, the offering of Registrable Shares pursuant to a Demand
Registration shall be in the form of a "firm commitment" Underwritten Offering.
The Holders of a majority of the Registrable Shares to be registered in a Demand
Registration shall select the investment banking firm or firms to manage the
Underwritten Offering, provided, however, that such selection shall be subject
to the consent of the Company, which consent shall not be unreasonably withheld
or delayed. No Holder may participate in any registration pursuant to Section
2.1(i) unless such Holder (x) agrees to sell such Holder's Registrable Shares on
the basis provided in any underwriting arrangements described above and (y)
completes and executes all questionnaires, powers of attorney, indemnities,
underwriting agreements and other documents reasonably required under the terms
of such underwriting arrangements; provided, however, that no such Holder shall
be required to make any representations or warranties in connection with any
such registration other than representations and warranties as to (i) such
Holder's ownership of its or its Registrable Shares to be transferred free and
clear of all liens, claims, and encumbrances, (ii) such Holder's power and
authority to effect such transfer, and (iii) such matters pertaining to
compliance with securities laws as may be reasonably requested; provided,
further, however, that the obligation of such Holder to indemnify pursuant to
any such underwriting arrangements shall be several, not joint and several,
among such Holders selling Registrable Shares, and the liability of each such
Holder will be in proportion thereto, and provided, further, however, that such
liability will be limited to the net amount received by such Holder from the
sale of its Registrable Shares pursuant to such registration.

            (iv) Rights of Nonrequesting Holders. Upon receipt of any Demand
Request, the Company shall promptly (but in any event within ten (10) days) give
written notice of such proposed Demand Registration to all other Holders, who
shall have the right, exercisable by written notice to the Company within twenty
(20) days of their receipt of the Company's notice, to elect to include in such
Demand Registration such portion of their Registrable Shares as they may
request. All Holders requesting to have their Registrable Shares included in a
Demand Registration in accordance with the preceding sentence shall be deemed to
be "Requesting Holders" for purposes of this Section 2.1.

            (v) Priority on Demand Registrations. No securities to be sold for
the account of any Person (including the Company) other than a Requesting Holder
shall be included in a Demand Registration unless the managing underwriter or
underwriters shall advise the Requesting Holders in writing that the inclusion
of such securities will not adversely affect the price, timing or distribution
of the offering or otherwise adversely affect its success (an "Adverse Effect").
Furthermore, if the managing underwriter or underwriters shall advise the
Requesting Holders that, even after exclusion of all securities of other Persons
pursuant to the immediately preceding sentence, the amount of Registrable Shares
proposed to be included in such Demand Registration by Requesting Holders is
sufficiently large to cause an Adverse Effect, the Registrable Shares of the
Requesting Holders to be included in such Demand Registration shall equal the
number of shares which the Requesting Holders are so advised can be sold in such
offering without an Adverse Effect and such shares shall be allocated pro rata
among the

                                       6
<PAGE>
Requesting Holders on the basis of the number of Registrable Shares requested to
be included in such registration by each such Requesting Holder.

            (vi) Deferral of Filing. The Company may defer the filing (but not
the preparation) of a registration statement required by this Section 2.1 until
a date not later than ninety (90) days after the Required Filing Date if (i) a
Material Transaction exists at the time of such Required Filing Date; (ii) at
the time the Company receives the Demand Request, the Company or any of its
Subsidiaries are engaged in confidential negotiations or other confidential
business activities, disclosure of which would be required in such registration
statement (but would not be required if such registration statement were not
filed), and the Board of Directors of the Company or a committee of the Board of
Directors of the Company determines in good faith that such disclosure would be
materially detrimental to the Company and its stockholders, or (iii) prior to
receiving the Demand Request, the Company had determined to effect a registered
underwritten public offering of the Company's securities for the Company's
account and the Company had taken substantial steps (including, but not limited
to, selecting a managing underwriter for such offering) and is proceeding with
reasonable diligence to effect such offering. A deferral of the filing of a
registration statement pursuant to this Section 2.1(vi) shall be lifted, and the
requested registration statement shall be filed forthwith, if, in the case of a
deferral pursuant to clause (ii) of the preceding sentence, the negotiations or
other activities are disclosed or terminated, or, in the case of a deferral
pursuant to clause (iii) of the preceding sentence, the proposed registration
for the Company's account is abandoned. In order to defer the filing of a
registration statement pursuant to this Section 2.1(vi), the Company shall
promptly (but in any event within ten (10) days), upon determining to seek such
deferral, deliver to each Requesting Holder a certificate signed by an executive
officer of the Company stating that the Company is deferring such filing
pursuant to this Section 2.1(vi) and a general statement of the reason for such
deferral and an approximation of the anticipated delay. Within twenty (20) days
after receiving such certificate, the holders of a majority of the Registrable
Shares held by the Requesting Holders and for which registration was previously
requested may withdraw such Demand Request by giving notice to the Company; if
withdrawn, the Demand Request shall be deemed not to have been made for all
purposes of this Agreement. The Company may defer the filing of a particular
registration statement pursuant to this Section 2.1(vi)(a) once in any twelve
(12) month rolling period.

      Section 2.2. Piggyback Registrations.

            (i) Right to Piggyback. Each time the Company proposes to register
any of its equity securities (other than pursuant to an Excluded Registration)
under the Securities Act for sale to the public (whether for the account of the
Company or the account of any securityholder of the Company) (a "Piggyback
Registration"), the Company shall give prompt written notice to each Holder of
Registrable Shares (which notice shall be given not less than twenty (20) days
prior to the anticipated filing date of the Company's registration statement),
which notice shall offer each such Holder the opportunity to include any or all
of its Registrable Shares in such registration statement, subject to the
limitations contained in Section 2.2(ii) hereof. Each Holder who desires to have
its Registrable Shares included in such registration statement shall so advise
the Company in writing (stating the number of shares desired to be registered)
within ten (10) days after the date of such notice from the Company. Any Holder
shall have the right to withdraw such Holder's request for inclusion of such
Holder's Registrable

                                       7
<PAGE>
Shares in any registration statement pursuant to this Section 2.2(i) by giving
written notice to the Company of such withdrawal. Subject to Section 2.2(ii)
below, the Company shall include in such registration statement all such
Registrable Shares so requested to be included therein; provided, however, that
the Company may at any time withdraw or cease proceeding with any such
registration if it shall at the same time withdraw or cease proceeding with the
registration of all other equity securities originally proposed to be
registered.

            (ii) Priority on Piggyback Registrations.

                  (a) If a Piggyback Registration is an Underwritten Offering
      and was initiated by the Company, and if the managing underwriter advises
      the Company that the inclusion of Registrable Shares requested to be
      included in the Registration Statement would cause an Adverse Effect, the
      Company shall include in such registration statement (i) first, the
      securities the Company proposes to sell, (ii) second, the Registrable
      Shares requested to be included in such registration, pro rata among the
      Holders of such Registrable Shares on the basis of the number of
      Registrable Shares owned by each such Holder, and (iii) third, any other
      securities requested to be included in such registration. If as a result
      of the provisions of this Section 2.2(ii)(a) any Holder shall not be
      entitled to include all Registrable Shares in a registration that such
      Holder has requested to be so included, such Holder may withdraw such
      Holder's request to include Registrable Shares in such registration
      statement.

                  (b) If a Piggyback Registration is an Underwritten Offering
      and was initiated by a security holder of the Company, and if the managing
      underwriter advises the Company that the inclusion of Registrable Shares
      requested to be included in the Registration Statement would cause an
      Adverse Effect, the Company shall include in such registration statement
      (i) first, the securities requested to be included therein by the security
      holders requesting such registration and the Registrable Shares requested
      to be included in such registration, pro rata among the holders of such
      securities on the basis of the number of securities owned by each such
      holder, and (ii) second, any other securities requested to be included in
      such registration (including securities to be sold for the account of the
      Company). If as a result of the provisions of this Section 2.2(ii)(b) any
      Holder shall not be entitled to include all Registrable Shares in a
      registration that such Holder has requested to be so included, such Holder
      may withdraw such Holder's request to include Registrable Shares in such
      registration statement.

                  (c) No Holder may participate in any registration statement in
      respect of a Piggyback Registration hereunder unless such Holder (x)
      agrees to sell such Holder's Registrable Shares on the basis provided in
      any underwriting arrangements approved by the Company and (y) completes
      and executes all questionnaires, powers of attorney, indemnities,
      underwriting agreements and other documents, each in customary form,
      reasonably required under the terms of such underwriting arrangements;
      provided, however, that no such Holder shall be required to make any
      representations or warranties in connection with any such registration
      other than representations and warranties as to (i) such Holder's
      ownership of its Registrable Shares to be sold or transferred free and
      clear of all liens, claims, and encumbrances, (ii) such Holder's power and
      authority to effect such transfer, and (iii) such matters pertaining to
      compliance with securities laws

                                       8
<PAGE>
      as may be reasonably requested; provided, further, however, that the
      obligation of such Holder to indemnify pursuant to any such underwriting
      arrangements shall be several, not joint and several, among such Holders
      selling Registrable Shares, and the liability of each such Holder will be
      in proportion to, and provided, further, that such liability will be
      limited to, the net amount received by such Holder from the sale of its
      Registrable Shares pursuant to such registration.

            (iii) Selection of Underwriters. If any Piggyback Registration is an
Underwritten Offering and any Registrable Shares will be included in such
offering, then the investment banking firm(s) selected to manage the offering
shall be selected with the prior consent of the Holders of a majority of the
Registrable Shares to be included in such Piggyback Registration, which consent
shall not be unreasonably withheld, provided that if FNF or Affiliates thereof
are included among the Holders whose Registrable Shares will be included in the
Piggyback Registration, then such selection shall also be with the prior consent
of FNF (which consent shall not be unreasonably withheld).

      Section 2.3. SEC Form S-3. The Company shall use its reasonable best
efforts to cause Demand Registrations to be registered on Form S-3 (or any
successor form) once the Company becomes eligible to use Form S-3, and if the
Company is not then eligible under the Securities Act to use Form S-3, Demand
Registrations shall be registered on the form for which the Company then
qualifies. The Company shall use its reasonable best efforts to become eligible
to use Form S-3 and, after becoming eligible to use Form S-3, shall use its
reasonable best efforts to remain so eligible.

      Section 2.4. Holdback Agreements.

            (i) The Company shall not effect any public sale or distribution of
its equity securities, or any securities convertible into or exchangeable or
exercisable for such securities, during the seven days prior to and during the
90-day period beginning on the effective date of any registration statement in
connection with a Demand Registration (other than a Shelf Registration) or a
Piggyback Registration, except pursuant to registrations on Form S-4 or Form S-8
or any successor form or unless the underwriters managing any such public
offering otherwise agree.

            (ii) If any Holders of Registrable Shares notify the Company in
writing that they intend to effect an underwritten sale of Common Stock
registered pursuant to a Shelf Registration pursuant to Article 2 hereof, the
Company shall not effect any public sale or distribution of its equity
securities, or any securities convertible into or exchangeable or exercisable
for its equity securities, during the seven days prior to and during the 90-day
period beginning on the date such notice is received, except pursuant to
registrations on Form S-4 or Form S-8 or any successor form or unless the
underwriters managing any such public offering otherwise agree.

            (iii) Each Holder agrees, in the event of an Underwritten Offering
by the Company (whether for the account of the Company or otherwise), not to
offer, sell, contract to sell or otherwise dispose of any Registrable
Securities, or any securities convertible into or exchangeable or exercisable
for such securities, including any sale pursuant to Rule 144 under

                                       9
<PAGE>
the Securities Act (except as part of such Underwritten Offering), during the 7
days prior to, and during the 90-day period (or such lesser period as the lead
or managing underwriters may require) beginning on, the effective date of the
registration statement for such Underwritten Offering (or, in the case of an
offering pursuant to an effective shelf registration statement pursuant to Rule
415, the pricing date for such Underwritten Offering).

      Section 2.5. Registration Procedures. Whenever any Holder has requested
that any Registrable Shares be registered pursuant to this Agreement, the
Company will use its reasonable best efforts to effect the registration and the
sale of such Registrable Shares in accordance with the intended method of
disposition thereof as promptly as is practicable, and pursuant thereto the
Company will as expeditiously as possible:

            (i) prepare and file with the SEC, pursuant to Section 2.1(i)(b)
with respect to any Demand Registration, a registration statement on any
appropriate form under the Securities Act with respect to such Registrable
Shares and use its reasonable best efforts to cause such registration statement
to become effective, provided that as far in advance as practicable before
filing such registration statement or any amendment thereto, the Company will
furnish to the selling Holders copies of reasonably complete drafts of all such
documents prepared to be filed (including exhibits), and any such Holder shall
have the opportunity to object to any information contained therein and the
Company will make corrections reasonably requested by such Holder with respect
to such information prior to filing any such registration statement or
amendment;

            (ii) except in the case of a Shelf Registration, prepare and file
with the SEC such amendments, post-effective amendments, and supplements to such
registration statement and the Prospectus used in connection therewith as may be
necessary to keep such registration statement effective for a period of not less
than one hundred eighty (180) days (or such lesser period as is necessary for
the underwriters in an Underwritten Offering to sell unsold allotments) and
comply with the provisions of the Securities Act with respect to the disposition
of all securities covered by such registration statement during such period in
accordance with the intended methods of disposition by the sellers thereof set
forth in such registration statement;

            (iii) in the case of a Shelf Registration, prepare and file with the
SEC such amendments and supplements to such registration statement and the
Prospectus used in connection therewith as may be necessary to keep such
registration statement effective and to comply with the provisions of the
Securities Act with respect to the disposition of all Registrable Shares subject
thereto for a period ending on the earlier of (x) 24 months after the effective
date of such registration statement and (y) the date on which all the
Registrable Shares subject thereto have been sold pursuant to such registration
statement;

            (iv) furnish to each seller of Registrable Shares and the
underwriters of the securities being registered such number of copies of such
registration statement, each amendment and supplement thereto, the Prospectus
included in such registration statement (including each preliminary Prospectus),
any documents incorporated by reference therein and such other documents as such
seller or underwriters may reasonably request in order to facilitate the
disposition of the Registrable Shares owned by such seller or the sale of such
securities by such underwriters (it being understood that, subject to Section
2.6 and the requirements of the Securities Act and applicable state securities
laws, the Company consents to the use of the

                                       10
<PAGE>
Prospectus and any amendment or supplement thereto by each seller and the
underwriters in connection with the offering and sale of the Registrable Shares
covered by the registration statement of which such Prospectus, amendment or
supplement is a part);

            (v) use its reasonable best efforts to register or qualify such
Registrable Shares under such other securities or blue sky laws of such
jurisdictions as the managing underwriter reasonably requests (or, in the event
the registration statement does not relate to an Underwritten Offering, as the
holders of a majority of such Registrable Shares may reasonably request); use
its reasonable best efforts to keep each such registration or qualification (or
exemption therefrom) effective during the period in which such registration
statement is required to be kept effective; and do any and all other acts and
things which may be reasonably necessary or advisable to enable each seller to
consummate the disposition of the Registrable Shares owned by such seller in
such jurisdictions (provided, however, that the Company will not be required to
(A) qualify generally to do business in any jurisdiction where it would not
otherwise be required to qualify but for this subparagraph or (B) consent to
general service of process in any such jurisdiction);

            (vi) promptly notify each seller and each underwriter and (if
requested by any such Person) confirm such notice in writing (A) when a
Prospectus or any Prospectus supplement or post-effective amendment has been
filed and, with respect to a registration statement or any post-effective
amendment, when the same has become effective, (B) of the issuance by any state
securities or other regulatory authority of any order suspending the
qualification or exemption from qualification of any of the Registrable Shares
under state securities or "blue sky" laws or the initiation of any proceedings
for that purpose, and (C) of the happening of any event which makes any
statement made in a registration statement or related Prospectus untrue or which
requires the making of any changes in such registration statement, Prospectus or
documents so that they will not contain any untrue statement of a material fact
or omit to state any material fact required to be stated therein or necessary to
make the statements therein not misleading, and, as promptly as practicable
thereafter, prepare and file with the SEC and furnish a supplement or amendment
to such Prospectus so that, as thereafter deliverable to the purchasers of such
Registrable Shares, such Prospectus will not contain any untrue statement of a
material fact or omit a material fact necessary to make the statements therein,
in light of the circumstances under which they were made, not misleading;

            (vii) permit any selling Holder, which in such Holder's sole and
exclusive judgment, might reasonably be deemed to be an underwriter or a
controlling Person of the Company, to participate in the preparation of such
registration or comparable statement and to require the insertion therein of
material, furnished to the Company in writing, which in the reasonable judgment
of such Holder and its counsel should be included;

            (viii) make reasonably available members of management of the
Company, as selected by the Holders of a majority of the Registrable Shares
included in such registration, for assistance in the selling effort relating to
the Registrable Shares covered by such registration, including, but not limited
to, the participation of such members of the Company's management in road show
presentations;

                                       11
<PAGE>
            (ix) otherwise use its reasonable best efforts to comply with all
applicable rules and regulations of the SEC, including the Securities Act and
the Exchange Act and the rules and regulations promulgated thereunder, and make
generally available to the Company's securityholders an earnings statement
satisfying the provisions of Section 11(a) of the Securities Act no later than
thirty (30) days after the end of the twelve (12) month period beginning with
the first day of the Company's first fiscal quarter commencing after the
effective date of a registration statement, which earnings statement shall cover
said twelve (12) month period, and which requirement will be deemed to be
satisfied if the Company timely files complete and accurate information on Forms
10-Q, 10-K and 8-K under the Exchange Act and otherwise complies with Rule 158
under the Securities Act;

            (x) if requested by the managing underwriter or any seller promptly
incorporate in a Prospectus supplement or post-effective amendment such
information as the managing underwriter or any seller reasonably requests to be
included therein, including, without limitation, with respect to the Registrable
Shares being sold by such seller, the purchase price being paid therefor by the
underwriters and with respect to any other terms of the Underwritten Offering of
the Registrable Shares to be sold in such offering, and promptly make all
required filings of such Prospectus supplement or post-effective amendment;

            (xi) as promptly as practicable after filing with the SEC of any
document which is incorporated by reference into a registration statement (in
the form in which it was incorporated), deliver a copy of each such document to
each seller;

            (xii) cooperate with the sellers and the managing underwriter to
facilitate the timely preparation and delivery of certificates (which shall not
bear any restrictive legends unless required under applicable law) representing
securities sold under any registration statement, and enable such securities to
be in such denominations and registered in such names as the managing
underwriter or such sellers may request and keep available and make available to
the Company's transfer agent prior to the effectiveness of such registration
statement a supply of such certificates;

            (xiii) promptly make available for inspection by any seller, any
underwriter participating in any disposition pursuant to any registration
statement, and any attorney, accountant or other agent or representative
retained by any such seller or underwriter (collectively, the "Inspectors"), all
financial and other records, pertinent corporate documents and properties of the
Company (collectively, the "Records"), as shall be reasonably necessary to
enable them to exercise their due diligence responsibility, and cause the
Company's officers, directors and employees to supply all information requested
by any such Inspector in connection with such registration statement; provided,
however, that, unless the disclosure of such Records is necessary to avoid or
correct a misstatement or omission in the registration statement or the release
of such Records is ordered pursuant to a subpoena or other order from a court of
competent jurisdiction, the Company shall not be required to provide any
information under this subparagraph (x) if (A) the Company believes, after
consultation with counsel for the Company, that to do so would cause the Company
to forfeit an attorney-client privilege that was applicable to such information
or (B) if either (1) the Company has requested and been granted from the SEC
confidential treatment of such information contained in any filing with the SEC
or documents provided supplementally or otherwise or (2) the Company reasonably
determines in

                                       12
<PAGE>
good faith that such Records are confidential and so notifies the Inspectors in
writing, unless prior to furnishing any such information with respect to clause
(B), such Holder of Registrable Shares requesting such information agrees to
enter into a confidentiality agreement in customary form and subject to
customary exceptions; and provided, further, that each Holder of Registrable
Shares agrees that it will, upon learning that disclosure of such Records is
sought in a court of competent jurisdiction, give notice to the Company and
allow the Company, at its expense, to undertake appropriate action and to
prevent disclosure of the Records deemed confidential;

            (xiv) furnish to each seller and underwriter a signed counterpart of
(A) an opinion or opinions of counsel to the Company, and (B) a comfort letter
or comfort letters from the Company's independent public accountants, each in
customary form and covering such matters of the type customarily covered by
opinions or comfort letters, as the case may be, as the sellers or managing
underwriter reasonably requests;

            (xv) cause the Registrable Shares included in any registration
statement to be (A) listed on each securities exchange, if any, on which similar
securities issued by the Company are then listed, or (B) quoted on the NASD
Automated Quotation System or the Nasdaq National Market if similar securities
issued by the Company are quoted thereon;

            (xvi) provide a transfer agent and registrar for all Registrable
Securities registered hereunder;

            (xvii) cooperate with each seller and each underwriter participating
in the disposition of such Registrable Shares and their respective counsel in
connection with any filings required to be made with the NASD;

            (xviii) during the period when the Prospectus is required to be
delivered under the Securities Act, promptly file all documents required to be
filed with the SEC pursuant to Sections 13(a), 13(c), 14 or 15(d) of the
Exchange Act;

            (xix) notify each seller of Registrable Shares promptly of any
request by the SEC for the amending or supplementing of such registration
statement or Prospectus or for additional information;

            (xx) enter into such agreements (including underwriting agreements
in the managing underwriter's customary form) as are customary in connection
with an Underwritten Registration; and

            (xxi) advise each seller of such Registrable Shares, promptly after
it shall receive notice or obtain knowledge thereof, of the issuance of any stop
order by the SEC suspending the effectiveness of such registration statement or
the initiation or threatening of any proceeding for such purpose and promptly
use its reasonable best efforts to prevent the issuance of any stop order or to
obtain its withdrawal at the earliest possible moment if such stop order should
be issued.

      Section 2.6. Suspension of Dispositions. Each Holder agrees by acquisition
of any Registrable Shares that, upon receipt of any notice (a "Suspension
Notice") from the Company of the happening of any event of the kind described in
Section 2.5(vi)(C), such Holder will

                                       13
<PAGE>
forthwith discontinue disposition of Registrable Shares until such Holder's
receipt of the copies of the supplemented or amended Prospectus, or until it is
advised in writing (the "Advice") by the Company that the use of the Prospectus
may be resumed, and has received copies of any additional or supplemental
filings which are incorporated by reference in the Prospectus, and, if so
directed by the Company, such Holder will deliver to the Company all copies,
other than permanent file copies then in such Holder's possession, of the
Prospectus covering such Registrable Shares current at the time of receipt of
such notice. In the event the Company shall give any such notice, the time
period regarding the effectiveness of registration statements set forth in
Sections 2.5(ii) and 2.5(iii) shall be extended by the number of days during the
period from and including the date of the giving of the Suspension Notice to and
including the date when each seller of Registrable Shares covered by such
registration statement shall have received the copies of the supplemented or
amended Prospectus or the Advice. The Company shall use its reasonable best
efforts and take such actions as are reasonably necessary to render the Advice
as promptly as practicable.

      Section 2.7. Registration Expenses. All Company Expenses incident to any
Registration shall be borne by the Company, (unless paid by a security holder
that is not a Holder for whose account the registration is being effected). All
Holder Expenses incident to any Registration shall be borne by the Holders pro
rata on the basis of the number of shares so registered whether or not any
registration statement becomes effective. The fees and expenses of any counsel,
accountants, or other Persons retained or employed by any Holder shall borne
solely by such Holder.

      Section 2.8. Indemnification.

            (i) The Company agrees to indemnify and reimburse, to the fullest
extent permitted by law, each seller of Registrable Shares, and each of its
employees, advisors, agents, representatives, partners, officers, and directors
and each Person who controls such seller (within the meaning of the Securities
Act or the Exchange Act) and any agent or investment advisor thereof
(collectively, the "Seller Affiliates") (A) against any and all losses, claims,
damages, liabilities, and expenses, joint or several (including, without
limitation, attorneys' fees and disbursements except as limited by Section
2.8(iii)) based upon, arising out of, related to or resulting from any untrue or
alleged untrue statement of a material fact contained in any registration
statement, Prospectus, or preliminary Prospectus or any amendment thereof or
supplement thereto, or any omission or alleged omission of a material fact
required to be stated therein or necessary to make the statements therein not
misleading, (B) against any and all loss, liability, claim, damage, and expense
whatsoever, as incurred, to the extent of the aggregate amount paid in
settlement of any litigation or investigation or proceeding by any governmental
agency or body, commenced or threatened, or of any claim whatsoever based upon,
arising out of, related to or resulting from any such untrue statement or
omission or alleged untrue statement or omission, and (C) against any and all
costs and expenses (including reasonable fees and disbursements of counsel) as
may be reasonably incurred in investigating, preparing, or defending against any
litigation, or investigation or proceeding by any governmental agency or body,
commenced or threatened, or any claim whatsoever based upon, arising out of,
related to or resulting from any such untrue statement or omission or alleged
untrue statement or omission, or such violation of the Securities Act or
Exchange Act, to the extent that any such expense or cost is not paid under
subparagraph (A) or (B) above; except insofar as any such statements are

                                       14
<PAGE>
made in reliance upon and in strict conformity with information furnished in
writing to the Company by such seller or any Seller Affiliate for use therein or
arise from such seller's or any Seller Affiliate's failure to deliver a copy of
the registration statement or Prospectus or any amendments or supplements
thereto after the Company has furnished such seller or Seller Affiliate with a
sufficient number of copies of the same. The reimbursements required by this
Section 2.8(i) will be made by periodic payments during the course of the
investigation or defense, as and when bills are received or expenses incurred.

            (ii) In connection with any registration statement in which a seller
of Registrable Shares is participating, each such seller will furnish to the
Company in writing such information and affidavits as the Company reasonably
requests for use in connection with any such registration statement or
Prospectus and, to the fullest extent permitted by law, each such seller will
indemnify the Company and each of its employees, advisors, agents,
representatives, partners, officers and directors and each Person who controls
the Company (within the meaning of the Securities Act or the Exchange Act) and
any agent or investment advisor thereof against any and all losses, claims,
damages, liabilities, and expenses (including, without limitation, reasonable
attorneys' fees and disbursements except as limited by Section 2.8(iii))
resulting from any untrue statement or alleged untrue statement of a material
fact contained in the registration statement, Prospectus, or any preliminary
Prospectus or any amendment thereof or supplement thereto or any omission or
alleged omission of a material fact required to be stated therein or necessary
to make the statements therein not misleading, but only to the extent that such
untrue statement or alleged untrue statement or omission or alleged omission is
contained in any information or affidavit so furnished in writing by such seller
or any of its Seller Affiliates specifically for inclusion in the registration
statement; provided that the obligation to indemnify will be several, not joint
and several, among such sellers of Registrable Shares, and the liability of each
such seller of Registrable Shares will be in proportion to, and will be limited
to, the net amount received by such seller from the sale of Registrable Shares
pursuant to such registration statement; provided, however, that such seller of
Registrable Shares shall not be liable in any such case to the extent that prior
to the filing of any such registration statement or Prospectus or amendment
thereof or supplement thereto, such seller has furnished in writing to the
Company information expressly for use in such registration statement or
Prospectus or any amendment thereof or supplement thereto which corrected or
made not misleading information previously furnished to the Company.

            (iii) Any Person entitled to indemnification hereunder will (A) give
prompt written notice to the indemnifying party of any claim with respect to
which it seeks indemnification (provided that the failure to give such notice
shall not limit the rights of such Person) and (B) unless in such indemnified
party's reasonable judgment a conflict of interest between such indemnified and
indemnifying parties may exist with respect to such claim, permit such
indemnifying party to assume the defense of such claim with counsel reasonably
satisfactory to the indemnified party; provided, however, that any Person
entitled to indemnification hereunder shall have the right to employ separate
counsel and to participate in the defense of such claim, but the fees and
expenses of such counsel shall be at the expense of such Person unless (X) the
indemnifying party has agreed to pay such fees or expenses, or (Y) the
indemnifying party shall have failed to assume the defense of such claim and
employ counsel reasonably satisfactory to such Person. If such defense is not
assumed by the indemnifying party as permitted hereunder, the indemnifying party
will not be subject to any liability for any

                                       15
<PAGE>
settlement made by the indemnified party without its consent (but such consent
will not be unreasonably withheld). If such defense is assumed by the
indemnifying party pursuant to the provisions hereof, such indemnifying party
shall not settle or otherwise compromise the applicable claim unless (1) such
settlement or compromise contains a full and unconditional release of the
indemnified party or (2) the indemnified party otherwise consents in writing. An
indemnifying party who is not entitled to, or elects not to, assume the defense
of a claim will not be obligated to pay the fees and expenses of more than one
counsel for all parties indemnified by such indemnifying party with respect to
such claim, unless in the reasonable judgment of any indemnified party, a
conflict of interest may exist between such indemnified party and any other of
such indemnified parties with respect to such claim, in which event the
indemnifying party shall be obligated to pay the reasonable fees and
disbursements of such additional counsel or counsels.

            (iv) Each party hereto agrees that, if for any reason the
indemnification provisions contemplated by Section 2.8(i) or Section 2.8(ii) are
unavailable to or insufficient to hold harmless an indemnified party in respect
of any losses, claims, damages, liabilities, or expenses (or actions in respect
thereof) referred to therein, then each indemnifying party shall contribute to
the amount paid or payable by such indemnified party as a result of such losses,
claims, liabilities, or expenses (or actions in respect thereof) in such
proportion as is appropriate to reflect the relative fault of the indemnifying
party and the indemnified party in connection with the actions which resulted in
the losses, claims, damages, liabilities or expenses as well as any other
relevant equitable considerations. The relative fault of such indemnifying party
and indemnified party shall be determined by reference to, among other things,
whether the untrue or alleged untrue statement of a material fact or omission or
alleged omission to state a material fact relates to information supplied by
such indemnifying party or indemnified party, and the parties' relative intent,
knowledge, access to information and opportunity to correct or prevent such
statement or omission. The parties hereto agree that it would not be just and
equitable if contribution pursuant to this Section 2.8(iv) were determined by
pro rata allocation (even if the Holders or any underwriters or all of them were
treated as one entity for such purpose) or by any other method of allocation
which does not take account of the equitable considerations referred to in this
Section 2.8(iv). The amount paid or payable by an indemnified party as a result
of the losses, claims, damages, liabilities, or expenses (or actions in respect
thereof) referred to above shall be deemed to include any legal or other fees or
expenses reasonably incurred by such indemnified party in connection with
investigating or, except as provided in Section 2.8(iii), defending any such
action or claim. Notwithstanding the provisions of this Section 2.8(iv), no
Holder shall be required to contribute an amount greater than the dollar amount
by which the net proceeds received by such Holder with respect to the sale of
any Registrable Shares exceeds the amount of damages which such Holder has
otherwise been required to pay by reason of any and all untrue or alleged untrue
statements of material fact or omissions or alleged omissions of material fact
made in any registration statement, Prospectus or preliminary Prospectus or any
amendment thereof or supplement thereto related to such sale of Registrable
Shares. No Person guilty of fraudulent misrepresentation (within the meaning of
Section 11(f) of the Securities Act) shall be entitled to contribution from any
Person who was not guilty of such fraudulent misrepresentation. The Holders'
obligations in this Section 2.8(iv) to contribute shall be several in proportion
to the amount of Registrable Shares registered by them and not joint. If
indemnification is available under this Section 2.8, the indemnifying parties
shall indemnify each indemnified party to the full extent provided in Section
2.8(i) and Section 2.8(ii) without regard

                                       16
<PAGE>
to the relative fault of said indemnifying party or indemnified party or any
other equitable consideration provided for in this Section 2.8(iv) subject, in
the case of the Holders, to the limited dollar amounts set forth in Section
2.8(ii).

            (v) The indemnification and contribution provided for under this
Agreement will remain in full force and effect regardless of any investigation
made by or on behalf of the indemnified party or any officer, director, or
controlling Person of such indemnified party and will survive the transfer of
securities.

      Section 2.9. Transfer of Registration Rights. The rights of each Holder
under this Agreement may be assigned to any direct or indirect transferee of a
Holder who agrees in writing to be subject to and bound by all the terms and
conditions of this Agreement.

      Section 2.10. Rule 144. The Company will file the reports required to be
filed by it under the Securities Act and the Exchange Act and the rules and
regulations adopted by the SEC thereunder (or, if the Company is not required to
file such reports, will, upon the request of the Holders, make publicly
available other information) and will take such further action as the Holders
may reasonably request, all to the extent required from time to time to enable
the Holders to sell Common Stock without registration under the Securities Act
within the limitation of the exemptions provided by (i) Rule 144 under the
Securities Act, as such rule may be amended from time to time or (ii) any
similar rule or regulation hereafter adopted by the SEC. Upon the reasonable
request of any Holder, the Company will deliver to such parties a written
statement as to whether it has complied with such requirements and will, at its
expense, forthwith upon the request of any such Holder, deliver to such Holder a
certificate, signed by the Company's principal financial officer, stating (a)
the Company's name, address and telephone number (including area code), (b) the
Company's Internal Revenue Service identification number, (c) the Company's SEC
file number, (d) the number of shares of each class of capital stock outstanding
as shown by the most recent report or statement published by the Company, and
(e) whether the Company has filed the reports required to be filed under the
Exchange Act for a period of at least ninety (90) days prior to the date of such
certificate and in addition has filed the most recent annual report required to
be filed thereunder.

      Section 2.11. Preservation of Rights. The Company will not (i) grant any
registration rights to third parties which are more favorable than or
inconsistent with the rights granted hereunder or (ii) enter into any agreement,
take any action, or permit any change to occur, with respect to its securities
that violates or subordinates the rights expressly granted to the Holders in
this Agreement.

                            ARTICLE III. TERMINATION

      Section 3.1. Termination. The Holders may exercise the registration rights
granted hereunder in such manner and proportions as they shall agree among
themselves. The registration rights hereunder shall cease to apply to any
particular Registrable Share when: (a) a registration statement with respect to
the sale of such shares of Common Stock shall have become effective under the
Securities Act and such shares of Common Stock shall have been disposed of in
accordance with such registration statement; (b) such shares of Common Stock
shall have been sold to the public pursuant to Rule 144 under the Securities Act
(or any

                                       17
<PAGE>
successor provision); (c) such shares of Common Stock shall have been otherwise
transferred, new certificates for them not bearing a legend restricting further
transfer shall have been delivered by the Company and subsequent public
distribution of them shall not require registration or qualification of them
under the Securities Act or any similar state law then in force; (d) such shares
shall have ceased to be outstanding or (e) in the case of Registrable Shares
held by a Holder that is not FNF or any Affiliate thereof, when such Registrable
Shares are eligible for sale pursuant to Rule 144(k) under the Securities Act
(or any successor provision). The Company shall promptly upon the request of any
Holder furnish to such Holder evidence of the number of Registrable Shares then
outstanding.

                           ARTICLE IV. MISCELLANEOUS

      Section 4.1. Notices. All notices, requests, claims, demands and other
communications under this Agreement shall be in writing and shall be given or
made (and shall be deemed to have been duly given or made upon receipt) by
delivery in person, by overnight courier service, by facsimile with receipt
confirmed (followed by delivery of an original via overnight courier service) or
by registered or certified mail (postage prepaid, return receipt requested) to
the respective parties at the following addresses (or at such other address for
a party as shall be specified in a notice given in accordance with this Section
4.1:

      If to the Company:

            Fidelity National Title Group, Inc.
            601 Riverside Avenue
            Jacksonville, FL 32204
            Attn: General Counsel
            Telephone:  904-854-8100

      If to FNF:

            Fidelity National Financial, Inc.
            601 Riverside Avenue
            Jacksonville, FL 32204
            Attn: General Counsel
            Telephone:  904-854-8100

If to any other Holder, the address indicated for such Holder in the Company's
stock transfer records with copies, so long as FNF owns any Registrable Shares,
to FNF as provided above. Any notice or communication hereunder shall be deemed
to have been given or made as of the date so delivered if personally delivered;
when answered back, if sent via facsimile; when receipt is confirmed by the
sender's equipment; and five (5) calendar days after mailing if sent by
registered or certified mail (except that a notice of change of address shall
not be deemed to have been given until actually received by the addressee).
Failure to mail a notice or communication to a Holder or any defect in it shall
not affect its sufficiency with respect to other Holders. If a notice or
communication is mailed in the manner provided above, it is duly given, whether
or not the addressee receives it.

                                       18
<PAGE>
      Section 4.2. Authority. Each of the parties hereto represents to the other
that (i) it has the corporate power and authority to execute, deliver and
perform this Agreement, (ii) the execution, delivery and performance of this
Agreement by it has been duly authorized by all necessary corporate action and
no such further action is required, (iii) it has duly and validly executed and
delivered this Agreement, and (iv) this Agreement is a legal, valid and binding
obligation, enforceable against it in accordance with its terms subject to
applicable bankruptcy, insolvency, reorganization, moratorium or other similar
laws affecting creditors' rights generally and general equity principles.

      Section 4.3. Governing Law. This Agreement shall be governed by and
construed and interpreted in accordance with the laws of the State of Florida
without application of the conflict of laws provisions thereof.

      Section 4.4. Successors and Assigns. Except as otherwise expressly
provided herein, this Agreement shall be binding upon and benefit the Company,
each Holder, and their respective successors and assigns.

      Section 4.5. Severability. If any term or other provision of this
Agreement is invalid, illegal or incapable of being enforced under any Law or as
a matter of public policy, all other conditions and provisions of this Agreement
shall nevertheless remain in full force and effect. Upon such determination that
any term or other provision is invalid, illegal or incapable of being enforced,
the parties to this Agreement shall negotiate in good faith to modify this
Agreement so as to effect the original intent of the parties as closely as
possible in a mutually acceptable manner in order that the transactions
contemplated by this Agreement be consummated as originally contemplated to the
greatest extent possible.

      Section 4.6. Remedies. Each party hereto shall be entitled to enforce its
rights under this Agreement specifically to recover damages by reason of any
breach of any provision of this Agreement and to exercise all other rights
existing in its favor. The parties hereto agree and acknowledge that money
damages may not be an adequate remedy for any breach of the provisions of this
Agreement and that each party may in its sole discretion apply to any court of
law or equity of competent jurisdiction for specific performance and/or
injunctive relief (without posting a bond or other security) in order to enforce
or prevent any violation of the provisions of this Agreement.

      Section 4.7. Waivers. The observance of any term of this Agreement may be
waived (either generally or in a particular instance and either retroactively or
prospectively) by the party entitled to enforce such term, but such waiver shall
be effective only if it is in a writing signed by the party against whom the
existence of such waiver is asserted. Unless otherwise expressly provided in
this Agreement, no delay or omission on the part of any party in exercising any
right or privilege under this Agreement shall operate as a waiver thereof, nor
shall any waiver on the part of any party of any right or privilege under this
Agreement operate as a waiver of any other right or privilege under this
Agreement nor shall any single or partial exercise of any right or privilege
preclude any other or further exercise thereof or the exercise of any other
right or privilege under this Agreement. No failure by either party to take any
action or assert any right or privilege hereunder shall be deemed to be a waiver
of such right or privilege in the event of the

                                       19
<PAGE>
continuation or repetition of the circumstances giving rise to such right unless
expressly waived in writing by the party against whom the existence of such
waiver is asserted.

      Section 4.8. Amendment. This Agreement may not be amended or modified in
any respect except by a written agreement signed by the Company, FNF (so long as
FNF owns any Common Stock) and the Holders of a majority of the then outstanding
Registrable Shares.

      Section 4.9. Counterparts. This Agreement may be executed in one or more
counterparts, and by the different parties to each such agreement in separate
counterparts, each of which when executed shall be deemed to be an original but
all of which taken together shall constitute one and the same agreement.
Delivery of an executed counterpart of a signature page to this Agreement by
facsimile shall be as effective as delivery of a manually executed counterpart
of any such Agreement.

      Section 4.10. Entire Agreement. This Agreement and the other writings
referred to herein or delivered pursuant hereto which form a part hereof contain
the entire agreement and understanding among the parties hereto with respect to
the subject matter hereof and supersedes and preempts any prior understandings,
agreements or representations by or among the parties, written or oral, which
may have related to the subject matter hereof in any way.

      Section 4.11. Descriptive Headings. The descriptive headings of this
Agreement are inserted for convenience only and do not constitute a part of this
Agreement.

      Section 4.12. Construction. Where specific language is used to clarify by
example a general statement contained herein, such specific language shall not
be deemed to modify, limit or restrict in any manner the construction of the
general statement to which it relates. The language used in this Agreement shall
be deemed to be the language chosen by the parties hereto to express their
mutual intent, and no rule of strict construction shall be applied against any
party.

      Section 4.13. Arbitration. All disputes arising under this Agreement shall
be resolved by arbitration in accordance with the Commercial Arbitration Rules
of the American Arbitration Association. Expedited rules shall apply regardless
of the amount at issue. Arbitration proceedings hereunder may be initiated by
the any party making a written request to the American Arbitration Association,
together with any appropriate filing fee, at the office of the American
Arbitration Association in Orlando, Florida. All arbitration proceedings shall
be held in Jacksonville, Florida in a location to be specified by the
Arbitrators (or any place agreed to by the parties and the Arbitrators). If the
amount at issue is less than US$100,000.00, then arbitration shall be by one
Arbitrator experienced in the matters at issue and jointly selected by the
parties (provided, that, if the parties cannot agree on an Arbitrator within
fifteen (15) days after notice of commencement of arbitration, the American
Arbitration Association shall, upon the request of any party to the dispute or
difference, appoint the Arbitrator). If the amount at issue is US$100,000.00 or
more, then arbitration shall be by a panel of three qualified Arbitrators
experienced in the matters at issue. Each party shall choose one Arbitrator and
the third Arbitrator shall be chosen by the two so chosen. If the parties fail
to choose an Arbitrator within 30 days after notice of commencement of
arbitration or if the two Arbitrators fail to choose a third Arbitrator within
30 days after their appointment, the American Arbitration Association

                                       20
<PAGE>
shall, upon the request of any party to the dispute or difference, appoint the
Arbitrator or Arbitrators to constitute or complete the panel, as the case may
be. Any order or determination of the arbitral tribunal shall be final and
binding upon the parties to the arbitration as to matters submitted and may be
enforced by either party in any court having jurisdiction over the subject
matter or over any of the parties. All costs and expenses incurred in connection
with any such arbitration proceeding (including reasonable attorneys fees) shall
be borne by the party against which the decision is rendered, or, if no decision
is rendered, such costs and expenses shall be borne equally by the parties. If
the Arbitrators' decision is a compromise, the determination of which party or
parties bears the costs and expenses incurred in connection with any such
arbitration proceeding shall be made by the Arbitrators on the basis of the
Arbitrators' assessment of the relative merits of the parties' positions.

      Section 4.14. Consent to Jurisdiction. Each party hereby submits to the
nonexclusive jurisdiction of the Federal courts and the courts of the State of
Florida, in each case located in Duval County, Florida for purposes of all legal
proceedings arising out of or relating to this Agreement. Each party hereby
irrevocably waives, to the fullest extent permitted by law, any objection which
it may now or hereafter have to the laying of the venue of any such proceeding
brought in such a court and any claim that any such proceeding brought in such a
court has been brought in an inconvenient forum. EACH PARTY HEREBY IRREVOCABLY
WAIVES ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF
OR RELATING TO THIS AGREEMENT OR THE CONTEMPLATED TRANSACTIONS.

                           [signature page to follow]

                                       21
<PAGE>
      Section 4.15. Survival. Notwithstanding anything herein to the contrary,
the provisions of Sections 2.8, 4.1, 4.3, 4.5, 4.6, 4.11, 4.13, 4.14 and this
Section 4.15 shall survive any expiration or termination of this Agreement.

      IN WITNESS WHEREOF, the parties hereto have executed this Agreement on the
date first written above.

                        FIDELITY NATIONAL FINANCIAL, INC.

                        By    /s/ Todd C. Johnson
                           ------------------------------
                              Todd C. Johnson
                              Senior Vice President

                        FIDELITY NATIONAL TITLE GROUP, INC.

                        By    /s/ Raymond R. Quirk
                           ------------------------------
                              Raymond R. Quirk
                              Chief Executive Officer

                                       22

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