Document:

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                                                                    Exhibit 10.3

            FIRST AMENDMENT AND RENEWAL OF THE AMENDED AND RESTATED
                364-DAY REVOLVING CREDIT AND TERM LOAN AGREEMENT

     THIS FIRST AMENDMENT AND RENEWAL OF THE AMENDED AND RESTATED 364-DAY
REVOLVING CREDIT AND TERM LOAN AGREEMENT ("Amendment") is entered into as of
August 3, 2000, among WORLDCOM, INC. (formally known as MCI WORLDCOM, INC.), a
Georgia corporation ("Borrower"), certain Purchasing Lenders (hereinafter
defined), certain Increasing Lenders (hereinafter defined), BANK OF AMERICA,
N.A., as a Lender and as Administrative Agent (hereinafter defined) for itself
and the Accepting Lenders (hereinafter defined), with BANC OF AMERICA
SECURITIES, LLC, as the Sole Lead Arranger and Book Manager. Unless otherwise
indicated all capitalized terms used herein shall have the meaning set forth in
the Agreement (as defined below), and all Section and Schedule references herein
are to sections and schedules in the Agreement.

                                R E C I T A L S
                                ---------------

     A. Borrower has entered into the Amended and Restated 364-Day Revolving
Credit and Term Loan Agreement (as renewed, extended, or amended to date, the
"Agreement") dated as of August 5, 1999, with Bank of America, N.A. (in its
capacity as "Administrative Agent" thereunder and as a Lender) and certain other
Lenders party thereto (together with Bank of America, N.A., the "Lenders"),
providing for, among other things, a revolving credit and term loan facility in
the aggregate principal amount of $7,000,000,000.

     B. In accordance with Section 2.4(a), Borrower has requested by letter
dated June 5, 2000 that the Termination Date for the 364-Day Facility be
extended for all of the Commitment to August 2, 2001, a date which is the 364th
day after the current Termination Date (the "Extension Request").

     C. In accordance with Section 2.4(a)(i), Lenders holding at least fifty-one
percent (51%) of the Commitment consented to the Extension Request (each an
"Accepting Lender") pursuant to the Consent dated as of July 10, 2000, among
Borrower, Administrative Agent, and the Accepting Lenders (the "Consent"), and
each has consented to the execution of this Amendment by Administrative Agent on
their behalf.

     D. In accordance with Section 2.4(a)(ii), the "Rejected Amount" (as defined
in Section 2.4(a)(ii) and herein so called), has been offered by Administrative
Agent to the Accepting Lenders, and certain of the Accepting Lenders have opted
to increase their Committed Sum for some portion of the Rejected Amount (each an
"Increasing Lender").

     E. Additionally, in accordance with Section 2.4(a)(ii), the Administrative
Agent offered a portion of the Rejected Amount to one or more financial
institutions to replace one or more Rejecting Lenders, and certain financial
institutions have agreed to purchase a portion of the Rejected Amount (each a
"Purchasing Lender").

     F. Subject to the terms and conditions set forth below, Borrower,
Administrative Agent (on behalf of itself and the Accepting Lenders), the
Increasing Lenders, and the Purchasing Lenders desire to amend the Agreement in
order, among other things, to (i) extend the Termination Date to August 2, 2001,
(ii) amend certain Schedules to reflect the addition of the Purchasing Lenders
and the Committed Sums of

                                                                 First Amendment
                                                                 ---------------
<PAGE>

each of the Lenders, and (iii) to delete Section 2.4 (and all references
thereto) regarding the optional renewal of the Commitment in its entirety.

     In consideration of the foregoing and the mutual covenants contained
herein, Borrower, Bank of America, N.A. (as an Accepting Lender and in its
capacity as Administrative Agent on behalf of the other Accepting Lenders), the
Increasing Lenders, and the Purchasing Lenders agree that the Agreement is
amended as follows:

1.  Amendments.
    ----------

  (a)  The following definitions in Section 1.1 are entirely amended as follows:

       "Borrower means WorldCom, Inc. (formerly known as MCI WORLDCOM,
       Inc.), a Georgia corporation, and its permitted successors and assigns."

       "Termination Date means the earlier of (a) August 2, 2001, and (b) the
       effective date of any other termination or cancellation of the Commitment
       to lend under, and in accordance with, this Agreement."

  (b)  Section 2.4 relating to the optional renewal of Commitment is entirely
       deleted and replaced with the following:

       "2.4 Intentionally Deleted."

  (c)  Schedule 2.1 is entirely deleted and replaced with the attached Schedule
       2.1.

2.  Conditions Precedent to Effective Date.
    --------------------------------------

    (a)  Notwithstanding any contrary provision, Paragraph 1 of this Amendment
         is not effective until the date (the "Effective Date") upon which (i)
         the representations, acknowledgment, and ratifications in this
         Amendment are true and correct, (ii) Administrative Agent receives
         counterparts of this Amendment executed by Borrower, Administrative
         Agent (on behalf of itself and Accepting Lenders), Increasing Lenders,
         and Purchasing Lenders, (iii) Administrative Agent receives an
         officers' certificate of Borrower dated as of the Effective Date,
         executed by a Responsible Officer, certifying and attaching true and
         correct copies of the articles of incorporation, bylaws, resolutions,
         and incumbency of officers of Borrower (or certify that there has been
         no changes to any of the foregoing since the date of their last
         certification to Lenders), and (iv) there has been no change in the
         consolidated financial condition of the Consolidated Companies from
         that shown in the respective Financial Statements of Borrower for the
         fiscal year ended December 31, 1999, and the three-month period ended
         March 31, 2000, calculated on a consolidated basis for Borrower and the
         Consolidated Companies which could be a Material Adverse Event.

    (b)  On the Effective Date, each Lender shall advance its respective Pro
         Rata Part of any Borrowing (if any), which may be netted against its
         outstandings under the Agreement and shall be used to repay all
         outstanding Debt (if any) under the Agreement due any Lender which is
         not continuing as a Lender on and after the Effective Date. Any Lender
         which is not continuing as a Lender under the Agreement on and after
         the Effective Date shall promptly return its Notes (if any) to Borrower
         for cancellation.

                                       2                         First Amendment
                                                                 ---------------
<PAGE>

    (c)  Lenders hereby agree among themselves (and Borrower hereby consents to
         such agreement) that, concurrently with the Effective Date, there shall
         be deemed to have occurred assignments and assumptions with respect to
         the Obligation, and the Rights and obligations under the Agreement and
         the other Loan Papers (including, without limitation, the Commitment
         and the Principal Debt) such that, after giving effect to such
         assignments and assumptions, the Lender's Committed Sum and the
         Commitment percentage are as stated on Schedule 2.1, and the Lenders
         hereby make such assignments and assumptions. The Lenders shall make
         all appropriate payments and adjustments among themselves to effectuate
         the appropriate purchase price for and other amounts payable with
         respect to such assignments and assumptions.

3.  Representations. As a material inducement to Lenders to execute and deliver
    ---------------
this Amendment, Borrower represents and warrants to Administrative Agent and
Lenders (with the knowledge and intent that Lenders are relying upon the same in
entering into this Amendment) that as of the Effective Date of this Amendment,
(a) all representations and warranties in the Loan Papers are true and correct
in all material respects as though made on the date hereof, except to the extent
that (i) any of them speak to a different specific date or (ii) the facts on
which any of them were based have been changed by transactions contemplated or
permitted by the Loan Papers or by this Amendment, and (b) except as waived by
this Amendment or the other Loan Papers, no Potential Default or Default exists.

4.   Expenses. Borrower shall pay all costs, fees, and expenses paid or incurred
     --------
by Administrative Agent incident to the Extension Request, the Consent, and this
Amendment, including, without limitation, the reasonable fees and expenses of
Administrative Agent's counsel in connection with the negotiation, preparation,
delivery, and execution of this Amendment, the Extension Request, the Consent,
and any related documents.

5.   Miscellaneous. This Amendment is a "Loan Paper" referred to in the
     -------------
Agreement, and the provisions relating to Loan Papers in Sections 1 and 11 of
the Agreement are incorporated in this Amendment by reference. Unless stated
otherwise (a) the singular number includes the plural and vice versa and words
of any gender include each other gender, in each case, as appropriate, (b)
headings and captions may not be construed in interpreting provisions, (c) this
Amendment must be construed, and its performance enforced, under New York law,
(d) if any part of this Amendment is for any reason found to be unenforceable,
all other portions of it nevertheless remain enforceable, and (e) this Amendment
may be executed in any number of counterparts with the same effect as if all
signatories had signed the same document, and all of those counterparts must be
construed together to constitute the same document.

6.   ENTIRETIES. THIS AMENDMENT REPRESENTS THE FINAL AMENDMENT BETWEEN THE
     ----------
PARTIES ABOUT THE SUBJECT MATTER OF THIS AMENDMENT AND MAY NOT BE CONTRADICTED
BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE
PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.

7.   Parties. This Amendment binds and inures to Borrower, Administrative Agent,
     -------
Purchasing Lenders, and Lenders, and their respective successors and assigns,
subject to the exceptions set forth in Section 11.13.

     The parties hereto have executed this Amendment in multiple counterparts on
the date stated on the signature pages hereto, but effective as of Effective
Date.

                    [REMAINDER OF PAGE INTENTIONALLY BLANK.
                            SIGNATURE PAGE FOLLOWS.]

                                       3                         First Amendment
                                                                 ---------------
<PAGE>

     Signature Page to that certain First Amendment and Renewal of the Amended
and Restated 364-Day Revolving Credit and Term Loan Agreement dated as of August
3, 2000, among WorldCom, Inc. (formerly known as MCI WORLDCOM, INC.), as
Borrower, each Increasing Lender, each Purchasing Lender, and Bank of America,
N.A., as Administrative Agent (on behalf of the Accepting Lenders and as
Administrative Agent), with Banc of America Securities, LLC, as Sole Lead
Arranger and Book Manager.

                                    WORLDCOM, INC.,
                                    as Borrower

                                    By:/s/ Scott D. Sullivan
                                       -----------------------------------------
                                      Scott D. Sullivan, Chief Financial Officer

                                       4                         First Amendment
                                                                 ---------------
<PAGE>

     Signature Page to that certain First Amendment and Renewal of the Amended
and Restated 364-Day Revolving Credit and Term Loan Agreement dated as of August
3, 2000, among WorldCom, Inc. (formerly known as MCI WORLDCOM, INC.), as
Borrower, each Increasing Lender, each Purchasing Lender, and Bank of America,
N.A., as Administrative Agent (on behalf of the Accepting Lenders and as
Administrative Agent), with Banc of America Securities, LLC, as Sole Lead
Arranger and Book Manager.

                              BANK OF AMERICA, N.A., as Administrative Agent, as
                              a Lender, and on behalf of Accepting Lenders

                              By:/s/ Jennifer Zydney
                                 -----------------------------------------------
                              Name:  Jennifer Zydney
                                     -------------------------------------------
                              Title:  Managing Director
                                      ------------------------------------------

                                       5                         First Amendment
                                                                 ---------------
<PAGE>

     Signature Page to that certain First Amendment and Renewal of the Amended
and Restated 364-Day Revolving Credit and Term Loan Agreement dated as of August
3, 2000, among WorldCom, Inc. (formerly known as MCI WORLDCOM, INC.), as
Borrower, each Increasing Lender, each Purchasing Lender, and Bank of America,
N.A., as Administrative Agent (on behalf of the Accepting Lenders and as
Administrative Agent), with Banc of America Securities, LLC, as Sole Lead
Arranger and Book Manager.

                              BANK OF AMERICA, N.A., as Administrative Agent, as
                              a Lender, and on behalf of Accepting Lenders

                              By:/s/ Thomas W. Okel
                                 -----------------------------------------------
                                  Thomas W. Okel, Managing Director

                                       6                         First Amendment
                                                                 ---------------<PAGE>

                                                                   EXHIBIT 10.54

                            SPLIT-DOLLAR AGREEMENT

THIS AGREEMENT made and entered into as of this 3rd day of April, 2000, by and
among NOVA Corporation, a corporation, with principal offices and place of
business in the State of Georgia (hereinafter referred to as the "Corporation"),
Edward Grzedzinski, an individual residing in the State of Georgia (hereinafter
referred to as the "Employee"), and Donald E. Hall, an individual residing in
the State of Georgia, Trustee of the Edward Grzedzinski Trust U/A dated March 7,
2000 (hereinafter referred to as the "Owner").

WITNESSETH THAT:

WHEREAS, the Employee is employed by the Corporation; and

WHEREAS, the Employee wishes to provide life insurance protection for his family
in the event of his death, under a policy of life insurance insuring his life
(hereinafter referred to as the Policy), which is described in Exhibit A
attached hereto and by this reference made a part hereof, and which is being
issued by John Hancock Life Insurance Company (hereinafter referred to as the
"Insurer"); and

WHEREAS, the Corporation is willing to pay the premiums due on the Policy as an
additional employment benefit for the Employee, on the terms and conditions
hereinafter set forth; and

WHEREAS, Owner is the owner of the Policy and, as such, possesses all incidents
of ownership in and to the Policy; and

WHEREAS, the Corporation wishes to have the Policy collaterally assigned to it
by the Owner, in order to secure the repayment of the amounts which it will pay
toward the premiums on the Policy; and

NOW, THEREFORE, in consideration of the premises and of the mutual promises
contained herein, the parties hereto agree as follows:

1)  Purchase of Policy. The Owner has purchased the Policy from the Insurer in
    the total face amount of $9,923,000. The parties hereto agree that they will
    take all necessary action to cause the Insurer to issue the Policy, and
    shall take any further action which may be necessary to cause the Policy to
    conform to the provisions of this Agreement. The parties hereto agree that
    the Policy shall be subject to the terms and conditions of this Agreement
    and of the collateral assignment filed with the Insurer relating to the
    Policy.

2)  Ownership of Policy. The Owner shall be the sole and absolute owner of the
    Policy, and may exercise all ownership rights granted to the owner thereof
    by the terms of the Policy, except as may otherwise be provided herein.

3)  Payment of Premiums. On or before the due date of each Policy premium, or
    within the grace period provided therein, the Corporation shall pay the full
    amount of the premium to the Insurer and shall, upon request, promptly
    furnish the Employee evidence of timely payment of such premium. The

                                       1
<PAGE>

    Corporation's obligation to pay the Policy premiums shall continue until
    this Agreement is terminated and shall not be modified or otherwise affected
    by a Change of Control as defined under Section 4 of this Agreement. The
    Corporation shall annually furnish the Employee a statement of the amount of
    income reportable by the Employee for federal and state income tax purposes
    as a result of the Insurance protection provided the Owner as the Policy
    beneficiary.

4)  Change of Control. "Change of Control (COC)" means the following:

          a)  The acquisition (other than from NOVA Corporation) by any person,
              entity or "group", within the meaning of Section 13(d)(3) or
              14(d)(2) of the Securities Exchange Act of 1934 (the "Exchange
              Act") (excluding, for this purpose, any employee benefit plan of
              NOVA Corporation or its subsidiaries that acquires beneficial
              ownership of voting securities of NOVA Corporation) of beneficial
              ownership (within the meaning of Rule 13d-3 promulgated under the
              Exchange Act) of 25% or more of either the then outstanding shares
              of NOVA Corporation stock or the combined voting securities
              entitled to vote generally in the election of directors; or

          b)  i.  The consummation by NOVA Corporation of a reorganization,
                  merger or consolidation with respect to which the shares of
                  NOVA Corporation voting securities outstanding immediately
                  prior to the reorganization, merger or consolidation do not
                  constitute or become exchanged for or converted into more than
                  50% of the combined voting power entitled to vote generally in
                  the election of directors of the reorganized, merged or
                  consolidated company's then outstanding voting securities, or
                  a liquidation or dissolution of NOVA Corporation, or of the
                  sale of all or substantially all of the assets of NOVA
                  Corporation; and

              ii. The failure for any reason of individuals who constitute the
                  Incumbent Board to continue to constitute at least a majority
                  of the Board. For this purpose, the Incumbent Board means the
                  members of the Board as of the date hereof and any person
                  becoming a member of the Board hereafter whose election, or
                  nomination for election by NOVA Corporation's shareholders,
                  was approved by a vote of at least a majority of the directors
                  then comprising the Incumbent Board (other than an election or
                  nomination of an individual whose initial assumption of office
                  is in connection with an actual or threatened election contest
                  relating to the election of the directors of NOVA Corporation,
                  as such terms are used in Rule 14a-11 of Regulation 14A
                  promulgated under the Exchange Act).

5)  Collateral Assignment of Policy.

    To secure the repayment to the Corporation of the amount of the premiums on
    the Policy paid by it hereunder, the Owner has, contemporaneously herewith,
    assigned the Policy to the Corporation as collateral, under the form used by
    the Insurer for such assignments. The collateral assignment of the Policy to
    the Corporation hereunder shall not be terminated, altered or amended by the
    Owner, without the express written consent of the Corporation. The parties
    hereto agree to take all action necessary to cause such collateral
    assignment to conform to the provisions of this Agreement.

                                       2
<PAGE>

6)  Limitations on Owner's Rights in Policy.

    Except as otherwise provided herein, the Owner shall not sell, assign,
    transfer, borrow against, surrender or cancel the Policy, change the
    beneficiary designation provision thereof, nor terminate the dividend
    election thereof without, in any such case, the express written consent of
    the Corporation.

7)  Collection of death proceeds.

          a)  Upon the death of the Employee, the Corporation shall cooperate
              with the Owner to take whatever action is necessary to collect the
              death benefit provided under the Policy; when such benefit has
              been collected and paid as provided herein, this Agreement shall
              thereupon terminate.

          b)  Under the death of the Employee, the Corporation shall have the
              unqualified right to receive a portion of such death benefit equal
              to the total amount of the premiums paid by it hereunder plus
              interest at a rate to be determined annually by the Corporation on
              the anniversary of the date of this Agreement, such rate not to
              exceed 8.0%, reduced by any outstanding indebtedness which was
              incurred by the Corporation and secured by the Policy, including
              any interest due on such indebtedness. The balance of the death
              benefit provided under the Policy, if any, shall be paid directly
              to the Owner, in the manner and in the amount or amounts provided
              in the beneficiary designation provision of the Policy. In no
              event shall the amount payable to the Corporation hereunder exceed
              the Policy proceeds payable at the death of the Employee. No
              amount shall be paid from such death benefit to the Owner until
              the full amount due the Corporation hereunder has been paid. The
              parties hereto agree that the beneficiary designation provision of
              the Policy shall conform to the provisions hereof.

          c)  Notwithstanding any provision hereof to the contrary, in the event
              that, for any reason whatsoever, no death benefit is payable under
              the Policy upon the death of the Employee and in lieu thereof the
              Insurer refunds all or any part of the premiums paid for the
              Policy, the Corporation and the Owner shall have the unqualified
              right to share such premiums based on their respective cumulative
              contributions thereto.

8)  Termination of the Agreement during the Employee's Lifetime.

          a)  This agreement cannot be terminated due to a Change of Control as
              defined under Section 4 of this Agreement.

          b)  This Agreement shall terminate during the Employee's lifetime,
              without notice, upon the occurrence of any of the following
              events: (i) total cessation of the Corporation's business; (ii)
              bankruptcy, receivership or dissolution of the Corporation; or
              (iii) termination of Employee's employment by the Corporation
              (other than by reason of his death).

                                       3
<PAGE>

          c)  In addition, the Owner may terminate this Agreement, while no
              premium under the Policy is overdue, by written notice to the
              other parties hereto. Such termination shall be effective as of
              the date of such notice.

9.  Disposition of the Policy on Termination of the Agreement during the
Employee's Lifetime.

    a)    For ninety (90) days after the date of the termination of this
          Agreement during the Employee's lifetime, the Owner shall have the
          option of obtaining the release of the collateral assignment of the
          Policy to the Corporation. To obtain such release, the Owner shall
          repay to the Corporation the total amount of the premium payments made
          by the Corporation hereunder plus interest at the rate which is
          determined by the Corporation under Section 7(b) of this Agreement,
          less any indebtedness secured by the Policy which was incurred by the
          Corporation and remains outstanding as of the date of such
          termination, including any interest due on such indebtedness. Upon
          receipt of such amount, the Corporation shall release the collateral
          assignment of the Policy by the execution and delivery of an
          appropriate instrument of release.

    b)    If the Owner fails to exercise such option within such ninety (90) day
          period, then, at the request of the Corporation, the Owner shall
          execute any document or documents required by the Insurer to transfer
          the interest of the Owner in the Policy to the Corporation.
          Thereafter, neither the Owner nor the Owner's successors, assigns or
          beneficiaries shall have any further interest in and to the Policy,
          either under the terms thereof or under this Agreement. Alternatively,
          the Corporation may enforce its right to be repaid the amount of the
          premiums on the Policy paid by it from the cash surrender value of the
          Policy under the collateral assignment of the Policy; provided that in
          the event the cash surrender value of the Policy exceeds the amount
          due the Corporation, such excess shall be paid to the Owner.

10. Insurer Not a Party. The Insurer shall be fully discharged from its
obligations under the Policy by payment of the Policy death benefit to the
beneficiary or beneficiaries named in the Policy, subject to the terms and
conditions of the Policy. In no event shall the Insurer be considered a party to
this Agreement, or any modification or amendment hereof. No provision of this
Agreement, nor any modification or amendment hereof, shall in any way be
construed as enlarging, changing, varying, or in any other way affecting the
obligations of the Insurer as expressly provided in the Policy, except insofar
as the provisions hereof are made a part of the Policy by the collateral
assignment executed by the Owner and filed with the Insurer in connection
herewith.

11. Named Fiduciary, Determination of Benefits, Claims Procedure and
Administration.

          a)  The Corporation is hereby designated as the named fiduciary under
              this Agreement. The named fiduciary shall have authority to
              control and manage the operation and administration of this
              Agreement, and it shall be responsible for establishing and
              carrying out a funding policy and method consistent with the
              objectives of this Agreement.

          b)  (1) Claim.

                                       4
<PAGE>

              A person who believes that he or she is being denied a benefit to
              which he or she is entitled under this Agreement (hereinafter
              referred to as a "Claimant") may file a written request for such
              benefit with the Corporation, setting forth his or her claim. The
              request must be addressed to the Chief Financial Officer of the
              Corporation at its then principal place of business.

              (2) Claim Decision.

              Upon receipt of a claim, the Corporation shall advise the Claimant
              that a reply will be forth coming within ninety (90) days and
              shall, in fact, deliver such reply within such period. The
              Corporation may, however, extend the reply period for an
              additional ninety (90) days for reasonable cause.

              If the claim is denied in whole or in part, the Corporation shall
              adopt a written opinion, using language calculated to be
              understood by the Claimant, setting forth: (a) the specific reason
              or reasons for such denial; (b) the specific reference to
              pertinent provisions of this Agreement on which such denial is
              based; (c) a description of any additional material or information
              necessary for the Claimant to perfect his or her claim and an
              explanation why such material or such information is necessary;
              (d) appropriate information as to the steps to be taken if the
              Claimant wishes to submit the claim for review; and (e) the time
              limits for requesting a review under subsection (3) and for review
              under subsection (4) hereof.

              (3) Request for Review.

              Within sixty (60) days after the receipt by the Claimant of the
              written opinion described above, the Claimant may request in
              writing that the Secretary of the Corporation review the
              determination of the Corporation. Such request must be addressed
              to the Secretary of the Corporation, at its then principal place
              of business. The Claimant or his or her duly authorized
              representative may, but need not, review the pertinent documents
              and submit issues and comments in writing for consideration by the
              Corporation. If the Claimant does not request a review of the
              Corporation's determination by the Secretary of the Corporation
              within such sixty (60) day period, he or she shall be barred and
              estopped from challenging the Corporation's determination.

              (4) Review of Decision.

              Within sixty (60) days after the Secretary's receipt of a request
              for review, he will review the Corporation's determination. After
              considering all materials presented by the Claimant, the Secretary
              will render a written opinion, written in a manner calculated to
              be understood by the Claimant, setting forth the specific reasons
              for the decision and containing specific references to the
              pertinent provisions of this Agreement on which the decision is
              based. If special circumstances require that the sixty (60) day
              time period be extended, the Secretary will so notify the Claimant
              and will render the decision as soon as

                                       5
<PAGE>

              possible, but no later than one hundred twenty (120) days after
              receipt of the request for review.

12. Amendment. This Agreement may not be amended, altered or modified, except by
    a written instrument signed by the parties hereto, or their respective
    successors or assigns, and may not be otherwise terminated except as
    provided herein.

13. Binding Effect. This Agreement shall be binding upon and inure to the
    benefit of the Corporation and its successors and assigns, and the Employee,
    the Owner, and their respective successors, assigns, heirs, executors,
    administrators and beneficiaries.

14. Notice. Any notice, consent or demand required or permitted to be given
    under the provisions of this Agreement shall be in writing, and shall be
    signed by the party giving or making the same. If such notice, consent or
    demand is mailed to a party hereto, it shall be sent by United States
    certified mail, postage prepaid, addressed to such party's last known
    address as shown on the records of the Corporation. The date of such mailing
    shall be deemed the date of notice, consent or demand.

15. Governing Law. This Agreement, and the rights of the parties hereunder,
    shall be governed by and construed in accordance with the laws of the State
    of Georgia.

IN WITNESS WHEREOF, the parties hereto have executed this Agreement, in
triplicate, as of the day and year first above written.

                                                NOVA Corporation

Attest:  /s/ Carole A. Loftin                   By:  /s/ Cherie M. Fuzzell
         --------------------                        ---------------------
         Carole A. Loftin                            Cherie M. Fuzzell
         Assistant Secretary                         Senior Vice President and
                                                     General Counsel

                                                "Employee"

                                                /s/ Edward Grzedzinski
                                                ----------------------
                                                Edward Grzedzinski

"Owner"

/s/ Donald E. Hall
------------------
Edward Grzedzinski Trust U/A dated March 7, 2000,
by Donald E. Hall, Trustee

                                       6

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