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                                                                   EXHIBIT 10.29

                       Certegy 2002 Bonus Deferral Program
                              Terms and Conditions

[ ]      Certegy full-time employees at or above a Vice President (or
         equivalent) salary level (SL 2) are eligible to participate in this
         program, and to subsequently defer a portion of their earned 2002
         annual incentive award if their most recent performance review in 2002
         rates them at an "Exceeds Expectations" level or higher.

[ ]      If an individual initially elects to defer under this program, but
         subsequently fails to receive the required performance rating of
         "Exceeds Expectations" or higher in 2002, no deferral under this
         program will be allowed, and any earned 2002 annual incentive award
         will be paid-out in cash.

[ ]      Eligible employees hired or promoted into an eligible level prior to
         the start of the 4th Q 2002 may participate in this program only if
         their completed election form is received at corporate headquarters no
         later than 30 days following their hire or promotion date. New hires in
         2002 will be assumed to have an "Exceeds" performance rating for 2002.

[ ]      The annual election to defer under this program is completely voluntary
         and becomes irrevocable to the individual as of March 9, 2002. In the
         event of a Change of Control offer being received by the Company, all
         deferral elections for this program become subject to cancellation by
         Certegy's Board of Directors.

[ ]      Deferral elections must be made as a percentage of the earned annual
         incentive award, and may be made in any amount between 10% and 100%, in
         increments of 5%.

[ ]      Stock options granted under this program will be Certegy Inc.
         non-qualified stock options with an expiration date (for active
         employees) 10-years following the grant date. These options will be
         vested in full on the date of the grant.

[ ]      Grant date for options will be the date Certegy's Board of Directors
         approves 2002 earned bonuses (estimated: Jan - Feb 2003). The fair
         market value grant price for these options will be at the closing price
         of Certegy stock on the NYSE on the day bonuses are approved.

[ ]      As appropriate, foreign currency conversion rates will be established
         as published in the Wall Street Journal as of the close of business on
         the day the Board of Directors approve 2002 annual incentive awards and
         deferrals under this program.

[ ]      An election to defer under this program is void if a participant
         terminates employment (for any reason) prior to the date the Board
         approves 2002 annual incentive awards. Under these circumstances, if
         any earned bonus is due, it will be paid in cash.

[ ]      Stock options granted under this program are non-transferable

                                  Page 1 of 2

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                       Certegy 2002 Bonus Deferral Program
                              Terms and Conditions
                                   (continued)

[ ]      Stock Option Expiration Provisions:

         -        Stock options expire five (5) years following retirement,
                  death, disability, or after termination (other than for cause)
                  following a Change in Control of the Company (unless 10-year
                  option term expires sooner);

         -        Stock options expire one (1) year following termination if due
                  to job elimination (unless 10-year option term expires
                  sooner);

         -        Stock options expire at the close of business on the date of
                  the grantee's voluntary termination;

         -        Stock options expire at the close of business on the date of
                  the grantee's termination for cause.

[ ]      Calculation used to determine the number of options to be granted under
         this program:

<TABLE>
<CAPTION>
                                           Multiplier times $ Amount
              % of Annual Bonus         Deferred divided by Fair Market
                   Deferred                  Value of Certegy Stock
                   --------                  ----------------------
              <S>                     <C>

                 10% -- 20%           6 times $ amount deferred divided by
                                      fair market value of Certegy stock

                 25% -- 45%           8 times $ amount deferred divided by
                                      fair market value of Certegy stock

                 50% -- 100%          10 times $ amount deferred divided by
                                      fair market value of Certegy stock
</TABLE>

                                  Page 2 of 2<PAGE>
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           THIS IS A SUMMARY ONLY -- REFER TO THE POLICY FOR DETAILS
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                                                                   EXHIBIT 10.30

                                  CERTEGY INC.

               OFFICERS' GROUP PERSONAL EXCESS LIABILITY COVERAGE

                                   $3,000,000

                           POLICY # GPE-248680426 WITH
                            COLUMBIA CASUALTY COMPANY

SCOPE OF COVERAGE

This policy covers a wide range of personal liability exposures such as
residences, autos, watercraft, recreational vehicles, pets, swimming pools, etc.
This policy is a type of broad Personal Liability Policy available to an
individual but does not cover professional liability, claims arising out of any
business, use of aircraft, or other exclusions as defined in the policy.

PERSONS INSURED

The Certificate Holder and any relatives living in the same household, and any
persons under the age of 25 in the care of any person insured under the policy.
There is no age cutoff for children away at college, as long as they retain
their parent's residence.

LIMITS

a.       $3,000,000 excess of required primary insurance amounts shown on page
         3.

b.       $3,000,000 for those exposures not covered by primary insurance, but
         covered by the policy, a $500 deductible applies to each loss ($10,000
         deductible in Texas, $1,000 in North Carolina).

EXTENSIONS OF COVERAGE (Refer to policy for details)

a.       Coverage is worldwide.

b.       Incidental Business Pursuits only if endorsed to your homeowners policy
         (primary underlying coverage).

c.       In addition to owned, provides liability coverage for non-owned autos
         and watercraft, provided underlying insurance requirements are
         maintained.

d.       Coverage for your activities as an officer or director of a non-profit
         organization. Coverage is only provided relative to the insured perils
         covered under this policy (see item f.) only if you do not receive any
         pay.

e.       Affords coverage for damage to practically all property of others which
         the insured has in his care, custody or control, provided the insured
         has not agreed in writing to provide insurance.

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           THIS IS A SUMMARY ONLY -- REFER TO THE POLICY FOR DETAILS
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f.       Covers a broad range of property damage and personal injury hazards
         such as bodily injury, libel, slander, false arrest, defamation of
         character, false imprisonment, wrongful eviction, wrongful detention,
         malicious prosecution or invasion of privacy.

EXTENSIONS OF COVERAGE (Continued)

g.       Provides coverage for defense costs. Defense costs are paid in addition
         to the policy limit.

h.       Other costs paid or reimbursed (subject to specific policy provisions):

         -        Premiums on appeal bonds

         -        Reimbursement for all premiums on bonds to release attachment

         -        All costs taxed against an insured

         -        Interest on judgments

         -        Authorized expenses

         -        Reimbursement of premiums for bail bonds

IMPORTANT EXCLUSIONS (Refer to policy for details)

a.       Bodily injury to any person eligible to receive benefits under any
         workers compensation, non-occupational disability, unemployment
         compensation or similar law.

b.       Damage to property owned by you, or persons insured under the same
         policy.

c.       Liability assumed by you or persons insured under any contract for
         property damage to property rented to, occupied by, used by, or in the
         care, custody or control of the insured to the extent that the insured
         has agreed in writing to provide insurance for this property.

d.       Intentional acts committed by you or an insured.

e.       Professional liability of any degree, which arises out of your
         providing or failing to provide professional services.

f.       Any claims arising out of ownership, maintenance or use of aircraft or
         hovercraft (unless the aircraft and crew are chartered by you.)

g.       Nuclear liability covered in whole or in part by a nuclear energy
         liability policy.

h.       Transmission or the threat of transmission of communicable sickness or
         disease.

i.       Coverage for watercraft you OWN unless you maintain primary insurance.

j.       Business activities engaged in by an insured except part-time jobs by
         students under the age of 25, rental to others of 1-4 family private
         residences and other incidental business activities with annual gross
         revenues of $5,000 or less, or activities which are ordinarily
         incidental to non-business pursuits.

k.       Agricultural operations or the raising of animals unless the annual
         gross revenue is $5, 000 or less.

                                       2

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           THIS IS A SUMMARY ONLY -- REFER TO THE POLICY FOR DETAILS
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<TABLE>
<CAPTION>
                                                                  REQUIRED
                                                             PRIMARY INSURANCE
                  TYPE OF COVERAGE                            COVERAGE AMOUNTS                      APPLICABLE LIMITS
                  ----------------                            ----------------                      -----------------
<S>                                                    <C>                             <C>

Homeowners Personal Liability                          $100,000                        Combined single limit of liability for both
                                                                                       Bodily Injury and Property Damage each
                                                                                       occurrence.

Automobile, motorcycle and recreational vehicle        $250,000                        Bodily Injury, per person
(licensed for road use) Liability including
uninsured/underinsured motorists liability*            $500,000 and                    Bodily Injury, per accident

                                                       $50,000 or                      Property Damage, per accident

                                                       $300,000 ($325,000 in Texas)    Combined single limit of liability for both
                                                                                       Bodily Injury and Property Damage each
                                                                                       accident.

Recreational vehicles designed for use off public      $100,000                        Combined single limit of liability for both
roads and not subject to motor vehicle registration                                    Bodily Injury and Property Damage each
                                                                                       accident

Watercraft Liability*                                  $100,000                        Combined single limit of liability for both
                                                                                       Bodily Injury and Property Damage each
                                                                                       accident

Employers Liability**                                  $100,000                        Combined single limit of liability for both
                                                                                       Bodily Injury and Property Damage each
                                                                                       accident
</TABLE>

CONTACTS / INFORMATION REGARDING THIS POLICY

     ----------------------------------------------------------------------

         Porter Hale                                  Glenn Russo, Sr.
         AVP of Risk Management                       Client Manager
         Certegy Inc.                                 Seabury & Smith
         11720 Amberpark Drive   Suite 600            2 World Trade Center
         Alpharetta, GA  30004                        New York, NY  10048

     ----------------------------------------------------------------------

* If you do not own a car, or watercraft but borrow or rent one for 30 days or
less, your Personal Umbrella Policy will provide coverage subject to a $500
deductible ($1,000 in North Carolina, $10,000 in Texas.)

** If you are required to provide Worker's Compensation Insurance for your
personal employees, the limit for Section II of this coverage (Employers
Liability) must be $100,000

                                       3

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