8-K

United States
SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

Current Report
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (date of earliest event reported):
September 14, 2004

Fidelity National Financial, Inc.

(Exact name of Registrant as Specified in its Charter)

1-9396
(Commission File Number)

Delaware	86-0498599
(State or Other Jurisdiction of Incorporation or Organization)	(IRS Employer Identification Number)

601 Riverside Avenue
Jacksonville, Florida 32204

(Addresses of Principal Executive Offices)

(904) 854-8100
(Registrant’s Telephone Number, Including Area Code)

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
o	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

TABLE OF CONTENTS

	Item 1.01. Entry into a Material Definitive Agreement
	Item 9.01. Financial Statements and Exhibits
SIGNATURE
Exhibit Index
EXHIBIT 2.1
EXHIBIT 10.1
EXHIBIT 10.2

Item 1.01. Entry into a Material Definitive Agreement

     On September 14, 2005, Fidelity National Information Services, Inc. (“FIS”), a Delaware corporation and a majority-owned subsidiary of Fidelity National Financial, Inc., a Delaware corporation (“FNF”), entered into an Agreement and Plan of Merger (the “Merger Agreement”) among FIS, Certegy Inc., a Delaware corporation (“Certegy”) and C Co Merger Sub, LLC, a Delaware limited liability company and a wholly-owned subsidiary of Certegy (“Merger Sub”). The Merger Agreement provides that, upon the terms and subject to the conditions set forth therein, FIS will merge with and into Merger Sub, with Merger Sub continuing as the surviving entity as a wholly-owned subsidiary of Certegy (the “Merger”). Following the Merger, Certegy will change its name to Fidelity National Information Services, Inc.

The Merger Agreement

     At the effective time and as a result of the Merger, each share of FIS common stock, par value $0.0001 per share, issued and outstanding immediately prior to the Effective Time will be converted automatically into the right to receive 0.6396 shares of Certegy’s common stock, par value $0.01 per share (“Certegy Stock”). As a result of the Merger, it is anticipated that FNF and the other FIS stockholders (collectively, the “FIS Stockholders”) will own, on a fully-diluted basis, approximately 67.5% of the total outstanding Certegy Stock with FNF owning approximately 50.3%.

     The approximately 132 million shares of Certegy Stock to be issued to FIS Stockholders in the Merger will not be registered under the Securities Act of 1933, as amended (the “Securities Act”), but instead will be issued in a private placement exempt from registration under Section 4(2) of the Securities Act and Regulation D promulgated thereunder. Certegy and the FIS Stockholders will enter into a registration rights agreement in connection with the closing of the Merger providing for certain registration rights in favor of the FIS Stockholders with respect to their shares of Certegy Stock.

     The Merger Agreement provides that Certegy will declare and pay a special dividend of $3.75 per share to existing Certegy shareholders prior to the Merger. Certegy’s options, restricted shares and restricted stock units will fully vest, and will remain outstanding or be paid in accordance with the terms of the plans and agreements under which they were issued. All Certegy options, restricted shares and restricted stock units will be adjusted for the special dividend. Certegy will also assume FIS’s outstanding options and option plan and convert them into options for Certegy Stock, subject to adjustments described in the Merger Agreement.

     After the Merger, William P. Foley, II, the Chairman and Chief Executive Officer of FNF, will be the Chairman of Certegy’s Board of Directors. Certegy’s current Chairman and Chief Executive Officer, Lee A. Kennedy, will continue as a director and as Certegy’s Chief Executive Officer. Certegy’s Board of Directors will change upon the effective time of the Merger as described under the heading “The Shareholders Agreement” in this Item 1.01.

1

     Certegy and FIS have made customary representations, warranties, and covenants in the Merger Agreement, including, among others, covenants (i) to conduct their respective businesses in the ordinary course consistent with past practice during the interim period between the execution of the Merger Agreement and consummation of the Merger, (ii) not to engage in certain kinds of transactions during such period, (iii) subject to certain exceptions, to cause a shareholder meeting to be held by Certegy to consider approval of the Merger and certain other transactions contemplated by the Merger Agreement and (iv) that, subject to certain exceptions, the Certegy Board of Directors will recommend approval by its shareholders of the Merger Agreement. In addition, Certegy made certain additional customary covenants, including, among others, covenants not to (i) solicit proposals relating to alternative business combination transactions or (ii) subject to certain exceptions, enter into discussions concerning or provide confidential information in connection with any proposals for alternative business combination transactions.

     Consummation of the Merger is subject to customary conditions, including (i) approval of Certegy’s shareholders, (ii) absence of any injunction or order prohibiting the closing, and (iii) expiration or termination of the Hart-Scott-Rodino waiting period. In addition, each party’s obligation to consummate the Merger is subject to certain other conditions, including (a) subject to certain exceptions, the accuracy of the representations and warranties of the other party, (b) material compliance of the other party with its covenants and (c) the delivery of customary opinions from counsel to FIS and counsel to Certegy that the Merger will qualify as a tax-free reorganization for federal income tax purposes.

     The Merger Agreement contains certain termination rights for both FIS and Certegy, and further provides that, upon termination of the Merger Agreement under specified circumstances, Certegy may be required to pay FIS transaction expenses of up to $10 million or a termination fee of $65 million.

The Shareholders Agreement

     In connection with the Merger, on September 14, 2005, Certegy and the FIS Stockholders entered into a Shareholders Agreement (the “Shareholders Agreement”) which places certain post-Merger restrictions on FNF and the other FIS Stockholders and makes certain arrangements concerning the post-Merger governance of Certegy. The Shareholders Agreement, among other things, (i) places certain restrictions on the acquisition or disposition of Certegy Shares by the FIS Shareholders; (ii) places certain conditions upon FNF’s ability to effectuate a “going-private” transaction with Certegy; (iii) provides that the Board of Directors of Certegy upon the effective time of the Merger will consist of four directors designated by the existing Certegy Board (including Certegy’s current Chairman and Chief Executive Officer, Lee A. Kennedy), four directors designated by FNF (including William P. Foley, II, the Chairman and Chief Executive Officer of FNF) and two directors designated by two existing FIS minority stockholders; and (iv) provides that so long as FNF holds at least 30% of the total outstanding Certegy Stock, Certegy may not, without FNF’s consent, engage or terminate a Chief Executive Officer or Chief Financial Officer or adopt an annual budget.

2

The Commitment Agreement

     In connection with the Merger, on September 14, 2005, Certegy and the FIS Stockholders entered into a Commitment Agreement (the “Commitment Agreement”) pursuant to which the FIS Stockholders agreed to execute and deliver, immediately after the execution and delivery of the Merger Agreement, a written consent adopting the Merger Agreement, and thereafter, to refrain from revoking, modifying or taking any other action in conflict with, such consent. The FIS Stockholders also agreed that, subject to customary exceptions, they will not transfer any of their shares of FIS stock pending consummation of the Merger. In addition, each of the FIS Stockholders agreed to generally support the Merger and the transactions contemplated by the Merger Agreement.

Amendments to Existing Agreements

     On March 9, 2005, FIS completed the issuance of a 25% interest in its common stock to certain affiliates of Thomas H. Lee Partners, L.P. (“THL”), certain affiliates of Texas Pacific Group (“TPG”), Evercore METC Capital Partners II L.P. (“Evercore”) and Banc of America Capital Investors, L.P. (“BOFA”). In connection with this issuance, FIS entered into (i) a Stockholders Agreement and a Registration Rights Agreement, each dated as of March 9, 2005, with FNF, THL, TPG, Evercore and BOFA and (ii) separate Management Agreements, each dated as of March 9, 2005, with an affiliate of each of THL, TPG and Evercore (the foregoing agreements, the “Existing Agreements”). The Stockholders Agreement and Registration Rights Agreement were previously filed as Exhibits 99.2 and 99.3 to FNF’s Form 8-K report filed March 15, 2005, and the Management Agreements with each of the TPG affiliate and the THL affiliate were previously filed as Exhibits 99.5 and 99.6 to FNF’s Form 8-K report filed December 29, 2004.

     In connection with the Merger, FIS, FNF, THL, TPG, Evercore and BOFA have agreed in the Merger Agreement and the Commitment Agreement that, effective immediately prior to the effective time of the Merger, each of the Existing Agreements shall be automatically terminated without any further action on the part of any such party.

General

     The foregoing summaries of the Merger Agreement, the Shareholders Agreement and the Commitment Agreement do not purport to be complete, and are qualified in their entirety by reference to the full text of the agreements filed as exhibits to this report, which are all incorporated herein by this reference. In the event of any conflict between the foregoing summaries and the full text of the agreements, the text of such agreements shall control.

3

Item 9.01. Financial Statements and Exhibits

(c) Exhibits

Exhibit	Description
2.1	Agreement and Plan of Merger among Certegy Inc., C Co Merger Sub, LLC and Fidelity National Information Services, Inc. dated as of September 14, 2005
10.1	Shareholders Agreement dated September 14, 2005 among Certegy Inc., Fidelity National Financial, Inc. and the other parties thereto
10.2	Commitment Agreement dated as of September 14, 2005 among Certegy Inc. and the stockholders of Fidelity National Information Services, Inc. parties thereto

4

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

	Fidelity National Financial, Inc.
Date: September 20, 2005	By:	/s/ Alan L. Stinson
		Name: Alan L. Stinson Title: Executive Vice President and Chief Financial Officer

5

Exhibit Index

Exhibit	Description
2.1	Agreement and Plan of Merger among Certegy Inc., C Co Merger Sub, LLC and Fidelity National Information Services, Inc. dated as of September 14, 2005
10.1	Shareholders Agreement dated September 14, 2005 among Certegy Inc., Fidelity National Financial, Inc. and the other parties thereto
10.2	Commitment Agreement dated as of September 14, 2005 among Certegy Inc. and the stockholders of Fidelity National Information Services, Inc. parties thereto

6

EX-2.1

                                                                     EXHIBIT 2.1

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

                          AGREEMENT AND PLAN OF MERGER

                                      AMONG

                                  CERTEGY INC.

                              C CO MERGER SUB, LLC

                                       AND

                  FIDELITY NATIONAL INFORMATION SERVICES, INC.

                         DATED AS OF SEPTEMBER 14, 2005

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



                                TABLE OF CONTENTS



                                                                                                               Page
                                                                                                               ----
                                                                                                            
                                                    ARTICLE I
                                                   THE MERGER

SECTION 1.01. The Merger............................................................................            2
SECTION 1.02. Closing...............................................................................            2
SECTION 1.03. Effective Time........................................................................            2
SECTION 1.04. Effect of the Merger..................................................................            2
SECTION 1.05. Certificate of Formation and LLC Agreement............................................            3
              (a) Certificate of Formation..........................................................            3
              (b) LLC Agreement.....................................................................            3
SECTION 1.06. Managers and Officers of Surviving Company............................................            3

                                                    ARTICLE II
                                CONVERSION OF SECURITIES; EXCHANGE OF CERTIFICATES

SECTION 2.01. Conversion of Securities..............................................................            3
              (a) Conversion of F Co Common Stock...................................................            3
              (b) Cancellation of Certain Shares of F Co Common Stock...............................            3
              (c) Membership Interests of Merger Co.................................................            3
              (d) Fractional Shares.................................................................            4
SECTION 2.02. Adjustments to Exchange Ratio.........................................................            4
SECTION 2.03. Exchange of Certificates..............................................................            4
              (a) Exchange Procedures...............................................................            4
              (b) No Liability......................................................................            4
              (c) Withholding Rights................................................................            4
              (d) Lost, Stolen or Damaged Certificates..............................................            5
SECTION 2.04. Treatment of Stock Options and Other Equity-Based Awards .............................            5
              (a) Assumption of F Co Stock Options..................................................            5
              (b) F Co Action.......................................................................            5
              (c) C Co Stock Options and Equity Based Awards........................................            6
SECTION 2.05. No Further Rights; Stock Transfer Books...............................................            6
SECTION 2.06. Tax Consequences......................................................................            6
SECTION 2.07. Securities Act Exemption and Compliance; Registration Rights..........................            6
              (a) Private Placement.................................................................            6
              (b) Legends...........................................................................            6
              (c) Registration Rights...............................................................            6
              (d) Lock-Up Agreement.................................................................            7

                                                   ARTICLE III
                                        REPRESENTATIONS AND WARRANTIES OF
                                                      C CO

SECTION 3.01. Organization and Qualification; C Co Subsidiaries.....................................            7
              (a) Organization and Qualification....................................................            7
              (b) List of C Co Subsidiaries.........................................................            7
              (c) Investments.......................................................................            7
              (d) C Co Material Adverse Effect......................................................            8


                                       i



                                                                                                            
SECTION 3.02. Articles of Incorporation and Bylaws..................................................            8
SECTION 3.03. Capitalization........................................................................            8
              (a) C Co Capitalization...............................................................            8
              (b) Merger Co.........................................................................            9
              (c) Other Rights......................................................................            9
              (d) Validity of Certain Prior Issuances...............................................           10
              (e) Validity of Share Issuance........................................................           10
SECTION 3.04. Authority Relative to This Agreement..................................................           10
SECTION 3.05. No Conflict; Required Filings and Consents............................................           11
              (a) No Conflict.......................................................................           11
              (b) Consents and Approvals............................................................           12
SECTION 3.06. Permits; Compliance; Regulatory Matters...............................................           12
              (a) Permits...........................................................................           12
              (b) Regulatory Approvals..............................................................           13
              (c) Compliance with Law...............................................................           13
              (d) Data Security.....................................................................           13
              (e) Internal Controls.................................................................           13
SECTION 3.07. SEC Filings; Financial Statements; Undisclosed Liabilities............................           13
              (a) SEC Filings.......................................................................           13
              (b) Financial Statements..............................................................           14
              (c) No Undisclosed Liabilities........................................................           14
SECTION 3.08. Information Supplied..................................................................           14
SECTION 3.09. Absence of Certain Changes or Events..................................................           15
SECTION 3.10. Absence of Litigation.................................................................           15
SECTION 3.11. Employee Benefit Plans................................................................           15
              (a) Benefit Plans.....................................................................           15
              (b) Pension Plans; Multiemployer Plans................................................           16
              (c) Change in Control Agreements......................................................           16
              (d) Qualified Plans...................................................................           16
              (e) Compliance........................................................................           16
              (f) Actions...........................................................................           17
              (g) Contributions.....................................................................           17
              (h) Reportable Events.................................................................           17
              (i) Filing Violations.................................................................           17
              (j) Certain Notices...................................................................           18
              (k) Unfunded Liabilities..............................................................           18
              (l) Prohibited Transactions...........................................................           18
              (m) Trustees..........................................................................           18
              (n) Acceleration of Payments..........................................................           18
              (o) Stock Subject to C Co Plans.......................................................           18
              (p) Foreign Plans.....................................................................           18
              (q) Retiree Health and Welfare Benefits...............................................           19
              (r) Section 409A......................................................................           19



                                       ii



                                                                                                            
SECTION 3.12. Labor and Employment Matters..........................................................           19
              (a) Collective Bargaining; Union Organization.........................................           19
              (b) Complaints and Grievances.........................................................           19
              (c) Strikes and Slowdowns.............................................................           19
              (d) Employee Relations................................................................           20
SECTION 3.13. Real and Personal Property............................................................           20
              (a) Owned Real Property...............................................................           20
              (b) Leased Real Property..............................................................           20
              (c) Improvements; Dispositions........................................................           20
              (d) Personal Property.................................................................           21
SECTION 3.14. Intellectual Property.................................................................           21
              (a) C Co Intellectual Property........................................................           21
              (b) List of Intellectual Property.....................................................           21
              (c) Ownership.........................................................................           21
              (d) No Misappropriation...............................................................           21
              (e) No Infringement...................................................................           22
              (f) Protection of Trade Secrets.......................................................           22
              (g) No Claim of Ownership.............................................................           22
              (h) Software..........................................................................           22
SECTION 3.15. Taxes.................................................................................           23
              (a) Payment and Filings...............................................................           23
              (b) Compliance........................................................................           23
              (c) Returns...........................................................................           23
              (d) No Other Claims...................................................................           23
              (e) Audits and Examinations...........................................................           23
              (f) No Adjustments....................................................................           23
              (g) Tax Sharing.......................................................................           24
              (h) Deficiencies; Liens...............................................................           24
              (i) Share Distributions...............................................................           24
              (j) Real Property Holding Corporation.................................................           24
              (k) Listed Transactions...............................................................           24
              (l) Reorganization....................................................................           24
              (m) Definitions.......................................................................           25
SECTION 3.16. Environmental Matters.................................................................           25
              (a) Compliance with Environmental Laws................................................           25
              (b) No Environmental Requirements.....................................................           26
              (c) Definitions.......................................................................           26
SECTION 3.17. Specified C Co Contracts..............................................................           26
              (a) Status of Specified C Co Contracts................................................           26
              (b) Specified C Co Contract...........................................................           27
SECTION 3.18. Insurance.............................................................................           28
SECTION 3.19. Material Customers....................................................................           29
              (a) Relations with Material Customers.................................................           29
              (b) Former Customers..................................................................           29
SECTION 3.20. Affiliate Transactions................................................................           29
SECTION 3.21. Adoption by Board.....................................................................           29
SECTION 3.22. C Co Rights Agreement.................................................................           30
SECTION 3.23. Opinions of Financial Advisor.........................................................           30



                                      iii



                                                                                                            
SECTION 3.24. Brokers...............................................................................           30

                                                   ARTICLE IV
                                       REPRESENTATIONS AND WARRANTIES OF
                                                      F CO

SECTION 4.01. Organization and Qualification; F Co Subsidiaries.....................................           30
              (a) Organization and Qualification....................................................           30
              (b) List of F Co Subsidiaries.........................................................           31
              (c) Investments.......................................................................           31
              (d) F Co Material Adverse Effect......................................................           31
SECTION 4.02. Certificate of Incorporation and Bylaws...............................................           32
SECTION 4.03. Capitalization........................................................................           32
              (a) F Co Capitalization...............................................................           32
              (b) Other Rights......................................................................           32
              (c) Validity of Certain Prior Issuances...............................................           33
SECTION 4.04. Authority Relative to This Agreement..................................................           33
SECTION 4.05. No Conflict; Required Filings and Consents............................................           34
              (a) No Conflict.......................................................................           34
              (b) Consents and Approvals............................................................           34
SECTION 4.06. Permits; Compliance; Regulatory Matters...............................................           35
              (a) Permits...........................................................................           35
              (b) Regulatory Approvals..............................................................           35
              (c) Compliance with Law...............................................................           35
              (d) Data Security.....................................................................           35
              (e) Internal Controls.................................................................           35
SECTION 4.07. SEC Filings; Financial Statements; Undisclosed Liabilities............................           36
              (a) No SEC Filings....................................................................           36
              (b) Financial Statements..............................................................           36
              (c) No Undisclosed Liabilities........................................................           36
SECTION 4.08. Information Supplied..................................................................           36
SECTION 4.09. Absence of Certain Changes or Events..................................................           37
SECTION 4.10. Absence of Litigation.................................................................           37
SECTION 4.11. Employee Benefit Plans................................................................           37
              (a) Benefit Plans.....................................................................           37
              (b) Pension Plans; Multiemployer Plans................................................           38
              (c) Change in Control Agreements......................................................           38
              (d) Qualified Plans...................................................................           39
              (e) Compliance........................................................................           39
              (f) Actions...........................................................................           39
              (g) Contributions.....................................................................           39
              (h) Reportable Events.................................................................           39
              (i) Filing Violations.................................................................           40
              (j) Certain Notices...................................................................           40
              (k) Unfunded Liabilities..............................................................           40
              (l) Prohibited Transactions...........................................................           40
              (m) Trustees..........................................................................           40
              (n) Acceleration of Payments..........................................................           40



                                       iv



                                                                                                            
              (o) Stock Subject to F Co Plans.......................................................           40
              (p) Foreign Plans.....................................................................           40
              (q) Retiree Health and Welfare Benefits...............................................           41
              (r) Section 409A......................................................................           41
SECTION 4.12. Labor and Employment Matters..........................................................           41
              (a) Collective Bargaining; Union Organization.........................................           41
              (b) Complaints and Grievances.........................................................           41
              (c) Strikes and Slowdowns.............................................................           42
              (d) Employee Relations................................................................           42
SECTION 4.13. Real and Personal Property............................................................           42
              (a) Owned Real Property...............................................................           42
              (b) Leased Real Property..............................................................           42
              (c) Improvements; Dispositions........................................................           42
              (d) Personal Property.................................................................           42
SECTION 4.14. Intellectual Property.................................................................           43
              (a) F Co Intellectual Property........................................................           43
              (b) List of Intellectual Property.....................................................           43
              (c) Ownership.........................................................................           43
              (d) No Misappropriation...............................................................           43
              (e) No Infringement...................................................................           43
              (f) Protection of Trade Secrets.......................................................           44
              (g) No Claim of Ownership.............................................................           44
              (h) Software..........................................................................           44
SECTION 4.15. Taxes.................................................................................           44
              (a) Payment and Filings...............................................................           44
              (b) Compliance........................................................................           45
              (c) Returns...........................................................................           45
              (d) No Other Claims...................................................................           45
              (e) Audits and Examinations...........................................................           45
              (f) No Adjustments....................................................................           45
              (g) Tax Sharing.......................................................................           46
              (h) Deficiencies; Liens...............................................................           46
              (i) Share Distributions...............................................................           46
              (j) Real Property Holding Corporation.................................................           46
              (k) Listed Transactions...............................................................           46
              (l) Reorganization....................................................................           46
SECTION 4.16. Environmental Matters.................................................................           47
              (a) Compliance with Environmental Laws................................................           47
              (b) No Environmental Requirements.....................................................           47
SECTION 4.17. Specified F Co Contracts..............................................................           47
              (a) Status of Specified F Co Contracts................................................           47
              (b) Specified F Co Contract...........................................................           48
SECTION 4.18. Insurance.............................................................................           49
SECTION 4.19. Material Customers....................................................................           50
              (a) Relations with Material Customers.................................................           50
              (b) Former Customers..................................................................           50



                                       v



                                                                                                            
SECTION 4.20. Affiliate Transactions................................................................           50
SECTION 4.21. Adoption by Board.....................................................................           51
SECTION 4.22. Opinions of Financial Advisors........................................................           51
SECTION 4.23. Brokers...............................................................................           51

                                                    ARTICLE V
                                     CONDUCT OF BUSINESS PENDING THE MERGER

SECTION 5.01. Conduct of Business by C Co Pending the Merger........................................           51
SECTION 5.02. Conduct of Business by F Co Pending the Merger........................................           54
SECTION 5.03. No Control of Other Party's Business..................................................           57

                                                   ARTICLE VI
                                              ADDITIONAL AGREEMENTS

SECTION 6.01. Proxy Statement; Other Filings........................................................           57
SECTION 6.02. C Co Shareholders' Meeting............................................................           58
SECTION 6.03. Access to Information; Confidentiality................................................           58
              (a) Access to Information.............................................................           58
              (b) Confidentiality...................................................................           58
              (c) No Limitation.....................................................................           59
SECTION 6.04. F Co Financial Statements.............................................................           59
SECTION 6.05. No Solicitation of Transactions by C Co...............................................           59
              (a) Non-Solicitation by C Co..........................................................           59
              (b) Notification and Related Matters..................................................           59
              (c) Change in Recommendation..........................................................           60
              (d) Certain Disclosures...............................................................           60
              (e) C Co Acquisition Proposal.........................................................           60
SECTION 6.06. Financing and Other Actions for Special Dividend......................................           61
SECTION 6.07. Employee Benefits Matters.............................................................           61
              (a) Obligations with Respect to C Co Employees........................................           61
              (b) Eligibility.......................................................................           62
              (c) Welfare Plans.....................................................................           62
              (d) C Co Change in Control Agreements.................................................           62
              (e) International Employees...........................................................           62
              (f) C Co Stock Incentive Plan Amendment...............................................           63
SECTION 6.08. Ancillary Agreements..................................................................           63
SECTION 6.09. Tax-Free Reorganization Treatment.....................................................           63
SECTION 6.10. Intentionally Omitted.................................................................           63
SECTION 6.11. State Takeover Statutes...............................................................           63
SECTION 6.12. Notification of Certain Matters.......................................................           63
SECTION 6.13. Further Action; Reasonable Best Efforts...............................................           64
              (a) Further Action....................................................................           64
              (b) HSR Act Compliance................................................................           64
              (c) Consents..........................................................................           64
SECTION 6.14. Public Announcements..................................................................           65
SECTION 6.15. Termination of Certain F Co Contracts.................................................           65
SECTION 6.16. Amendment of F Co Intercompany Agreements.............................................           65
SECTION 6.17. Existing F Co Indebtedness............................................................           65



                                       vi



                                                                                                            
SECTION 6.18. Officer and Director Insurance; Indemnification.......................................           66
SECTION 6.19. Governance of C Co....................................................................           68
SECTION 6.20. NYSE Symbol...........................................................................           68
SECTION 6.21. Shelf Registration....................................................................           68

                                                  ARTICLE VII
                                            CONDITIONS TO THE MERGER

SECTION 7.01. Conditions to Obligations of Each Party...............................................           68
              (a) C Co Shareholder Approval.........................................................           68
              (b) Antitrust Approvals and Waiting Periods...........................................           68
              (c) No Order..........................................................................           69
              (d) Governmental Consents.............................................................           69
              (e) Special Dividend .................................................................           69
              (f) Dissenting Shares.................................................................           69
SECTION 7.02. Conditions to Obligations of C Co.....................................................           69
              (a) Representations and Warranties....................................................           69
              (b) Agreements and Covenants..........................................................           70
              (c) Officer's Certificates............................................................           70
              (d) Tax Opinion.......................................................................           70
              (e) Ancillary Agreements..............................................................           70
              (f) FIRPTA Compliance.................................................................           70
              (g) Termination of Certain Other F Co Contracts.......................................           70
              (h) F Co Stockholders.................................................................           70
              (i) Amended Intercompany Agreements...................................................           71
              (j) Financing.........................................................................           71
SECTION 7.03. Conditions to Obligations of F Co.....................................................           71
              (a) Representations and Warranties....................................................           71
              (b) Agreements and Covenants..........................................................           71
              (c) Officer's Certificates............................................................           71
              (d) Tax Opinion.......................................................................           71
              (e) Ancillary Agreements..............................................................           71
              (f) FIRPTA Compliance.................................................................           71
              (g) Amended Intercompany Agreements...................................................           72

                                                  ARTICLE VIII
                                       TERMINATION, AMENDMENT AND WAIVER

SECTION 8.01. Termination...........................................................................           72
SECTION 8.02. Effect of Termination.................................................................           74
SECTION 8.03. Fees and Expenses.....................................................................           74
              (a) Expenses..........................................................................           74
              (b) C Co Termination Fee Events.......................................................           74
              (c) Manner of Payment of C Co Termination Fee.........................................           75
              (d) Amount of C Co Termination Fee....................................................           75
              (e) Agreements Regarding Termination Fees.............................................           75
SECTION 8.04. Amendment.............................................................................           75
SECTION 8.05. Waiver................................................................................           75



                                      vii



                                                                                                            
                                                    ARTICLE IX
                                                GENERAL PROVISIONS

SECTION 9.01. Non-Survival of Representations, Warranties and Agreements............................           76
SECTION 9.02. Notices...............................................................................           76
SECTION 9.03. Certain Definitions...................................................................           77
              (a) Definitions.......................................................................           77
              (b) Other Defined Terms...............................................................           78
              (c) Certain References and Interpretation of Terms....................................           82
SECTION 9.04. Severability..........................................................................           82
SECTION 9.05. Disclaimer of Other Representations and Warranties; Disclosure Schedules..............           82
SECTION 9.06. Entire Agreement; Assignment..........................................................           83
SECTION 9.07. Specific Performance..................................................................           83
SECTION 9.08. Parties in Interest...................................................................           83
SECTION 9.09. Governing Law.........................................................................           84
SECTION 9.10. Waiver of Jury Trial..................................................................           84
SECTION 9.11. Headings..............................................................................           84
SECTION 9.12. Counterparts..........................................................................           84
SECTION 9.13. Obligations of C Co and F Co..........................................................           84

EXHIBITS:

EXHIBIT A Form of Amended and Restated Articles of Incorporation of C Co
EXHIBIT B Form of Commitment Agreement
EXHIBIT C Form of Shareholders Agreement
EXHIBIT D Form of Registration Rights Agreement
EXHIBIT E Form of Lock-Up Agreement
EXHIBIT F Forms of Employment Agreements and Change in Control Terminations
EXHIBIT G Forms of Tax Representation Certificates
EXHIBIT H Form of Amended and Restated Bylaws of C Co
EXHIBIT I Form of Written Consent of Stockholders

SCHEDULES:

6.15(a)   Certain Terminating F Co Contracts
6.15(b)   Certain Continuing F Co Contracts
6.16      Amendments to Intercompany Agreements



                                      viii



                          AGREEMENT AND PLAN OF MERGER

      AGREEMENT AND PLAN OF MERGER, dated as of September 14, 2005 (this
"Agreement"), among Certegy Inc., a Georgia corporation ("C Co") C Co Merger
Sub, LLC, a Delaware limited liability company and a direct wholly owned
subsidiary of C Co ("Merger Co"), and Fidelity National Information Services,
Inc., a Delaware corporation ("F Co").

      WHEREAS, the sole manager and member of Merger Co has deemed it in the
best interests of Merger Co, and the Board of Directors of F Co has deemed it in
the best interests of the corporation and its stockholders to consummate the
merger of F Co with and into Merger Co (the "Merger"), on the terms and subject
to the conditions set forth in this Agreement and in accordance with the General
Corporation Law of the State of Delaware (the "DGCL") and the Delaware Limited
Liability Company Act (the "DLLCA");

      WHEREAS, the Board of Directors of C Co (the "C Co Board") has resolved to
recommend to C Co's shareholders that they approve (i) this Agreement, the
Merger and the issuance of the shares of common stock of C Co, par value $.01
per share ("C Co Common Stock") to be issued to the stockholders of F Co in
connection with the Merger (the "Share Issuance") and (ii) an amendment and
restatement of the Articles of Incorporation of C Co to be effected
contemporaneously with the consummation of the Merger such that, after giving
effect thereto, the Articles of Incorporation of C Co shall be substantially in
the form attached hereto as EXHIBIT A (the "Articles Amendment") and the name of
C Co shall be "Fidelity National Information Services, Inc.";

      WHEREAS, C Co, as the sole manager of Merger Co, has approved this
Agreement and declared its advisability, and as the sole member of Merger Co,
has approved the Merger;

      WHEREAS, the Board of Directors of F Co (the "F Co Board") has approved
this Agreement and declared its advisability;

      WHEREAS, contemporaneously with the execution and delivery of this
Agreement, F Co and each of the stockholders of F Co will enter into an
agreement in the form attached hereto as EXHIBIT B, pursuant to which F Co and
its stockholders will, among other things, agree not to solicit or engage in
discussions or negotiations with any person regarding an acquisition or business
combination of F Co with any person other than C Co. (the "Commitment
Agreement");

      WHEREAS, contemporaneously with the execution and delivery of this
Agreement, C Co and certain stockholders of F Co will enter into an agreement in
the form attached hereto as EXHIBIT C which will become effective as of the
Closing (as amended, supplemented, restated or otherwise modified from time to
time, the "Shareholders Agreement") to establish certain arrangements with
respect to the shares of C Co Common Stock to be issued in the Merger, as well
as restrictions on certain activities in respect of the C Co Common Stock,
corporate governance and other related corporate matters;

      WHEREAS, it is contemplated that prior to the Closing, C Co will declare,
subject to the terms and conditions of this Agreement, a one-time special cash
dividend (the "Special Dividend") on the C Co Common Stock in an amount not to
exceed $3.75 per share of C Co



Common Stock to record holders of C Co Common Stock and will pay or provide for
payment of such Special Dividend immediately prior to the Effective Time; and

      WHEREAS, it is intended that, for U.S. federal income tax purposes, the
Merger shall qualify as a reorganization under Section 368(a)(1)(A) of the
Internal Revenue Code of 1986, as amended (the "Code"), that this Agreement
shall constitute a plan of reorganization under Section 368(a) of the Code and C
Co and F Co shall each be a party to such reorganization within the meaning of
the Code.

      NOW, THEREFORE, in consideration of the foregoing and the mutual covenants
and agreements herein contained, and intending to be legally bound hereby, C Co,
Merger Co and F Co hereby agree, subject to the conditions herein contained, as
follows:

                                    ARTICLE I
                                   THE MERGER

      SECTION 1.01 THE MERGER. Upon the terms and subject to the conditions set
forth in Article VII and elsewhere in this Agreement, and in accordance with the
DLLCA and the DGCL, at the Effective Time, F Co shall be merged with and into
Merger Co. At the Effective Time, the separate corporate existence of F Co shall
cease and Merger Co shall continue as the surviving entity of the Merger and a
wholly owned subsidiary of C Co (the "Surviving Company").

      SECTION 1.02 CLOSING. Unless this Agreement shall have been terminated in
accordance with Section 8.01, and subject to the satisfaction or waiver of the
conditions set forth in Article VII, the closing of the Merger (the "Closing")
will take place at 11:00 a.m., Eastern Time, on a date to be specified by the
parties, which shall be no later than the second business day following the
satisfaction or waiver of the conditions set forth in Article VII (other than
those that by their terms are to be satisfied or waived at the Closing, but
subject to satisfaction or waiver of those conditions), at the executive offices
of F Co, 601 Riverside Avenue, Jacksonville, FL 32204, unless another time, date
and/or place is agreed to in writing by C Co and F Co (the date on which the
Closing occurs, the "Closing Date").

      SECTION 1.03 EFFECTIVE TIME. Upon the terms and subject to the conditions
set forth in this Agreement, at the Closing, the parties shall (a) file a
certificate of merger in such form as is required by, and executed and
acknowledged in accordance with, the relevant provisions of the DLLCA and the
DGCL (the "Certificate of Merger"), and (b) make all other filings or recordings
required under the DLLCA and the DGCL to effect the Merger. The Merger shall
become effective at such date and time as the Certificate of Merger is duly
filed with the Secretary of State of the State of Delaware, or at such
subsequent date and time as C Co and F Co shall agree and specify in the
Certificate of Merger. The date and time at which the Merger becomes effective
is referred to in this Agreement as the "Effective Time".

      SECTION 1.04 EFFECT OF THE MERGER. At the Effective Time, the effect of
the Merger shall be as provided in Section 18-209 of the DLLCA and Section 259
of the DGCL and this Agreement.

                                        2



      SECTION 1.05 CERTIFICATE OF FORMATION AND LLC AGREEMENT.

            (a) Certificate of Formation. The Certificate of Formation of Merger
Co, as in effect immediately prior to the Effective Time, shall be the
certificate of formation of the Surviving Company, except that the name of the
Surviving Company shall be F Co, LLC, and as so amended, such certificate of
formation shall be the certificate of formation of the Surviving Company until
thereafter amended in accordance with the provisions thereof and as provided by
applicable law.

            (b) LLC Agreement. The limited liability company agreement of Merger
Co as in effect immediately prior to the Effective Time shall be the limited
liability company agreement of the Surviving Company until thereafter changed or
amended as provided therein or by applicable law.

      SECTION 1.06 MANAGERS AND OFFICERS OF SURVIVING COMPANY. The initial
manager of the Surviving Company shall be C Co, to hold office in accordance
with the certificate of formation and limited liability company agreement of the
Surviving Company, and the initial officers of the Surviving Company shall be
the officers of F Co immediately prior to the Effective Time, in each case until
their respective successors are duly elected or appointed and qualified or until
the earlier of their death, resignation or removal.

                                   ARTICLE II
               CONVERSION OF SECURITIES; EXCHANGE OF CERTIFICATES

      SECTION 2.01 CONVERSION OF SECURITIES. At the Effective Time, by virtue of
the Merger and without any action on the part of C Co, Merger Co, F Co or any
holder of any securities of any of C Co, Merger Co or F Co, the following shall
occur:

            (a) Conversion of F Co Common Stock. Each share of common stock of F
Co, $0.0001 par value per share ("F Co Common Stock") (all issued and
outstanding shares of such common stock of F Co being hereinafter collectively
referred to as the "Shares") issued and outstanding immediately prior to the
Effective Time (other than any Shares to be canceled pursuant to Section
2.01(b)) shall be converted automatically into the right to receive 0.6396 (as
it may be adjusted pursuant to Section 2.02, the "Exchange Ratio") shares of C
Co Common Stock upon surrender in the manner provided in Section 2.03 of the
certificate that formerly evidenced such share of F Co Common Stock.

            (b) Cancellation of Certain Shares of F Co Common Stock. Each Share
held in the treasury of F Co, and each Share directly owned by C Co, Merger Co
or any direct or indirect wholly-owned subsidiary of C Co, Merger Co or F Co
immediately prior to the Effective Time shall automatically be canceled without
any conversion thereof and no payment or distribution shall be made with respect
thereto.

            (c) Membership Interests of Merger Co. Each membership interest in
Merger Co issued and outstanding immediately prior to the Effective Time shall
remain outstanding and shall be the only outstanding membership interests of the
Surviving Company.

                                       3



            (d) Fractional Shares. No fractional shares of C Co Common Stock
shall be issued in connection with the Merger, and no certificates or scrip for
any such fractional shares shall be issued. Any holder of F Co Common Stock who
would otherwise be entitled to receive a fraction of a share of C Co Common
Stock (after aggregating all fractional shares of C Co Common Stock issuable to
such holder) shall, in lieu of such fraction of a share and upon surrender of
such holder's certificates that formerly evidenced shares of F Co Common Stock,
be paid in cash the dollar amount (rounded to the nearest whole cent), without
interest, determined by multiplying such fraction by the closing price of a
share of C Co Common Stock on the New York Stock Exchange (the "NYSE") on the
date that the Merger becomes effective.

      SECTION 2.02 ADJUSTMENTS TO EXCHANGE RATIO. If, between the date of this
Agreement and the Effective Time, there is a reclassification, recapitalization,
stock split, stock dividend, subdivision, combination or exchange of shares with
respect to, or rights issued in respect of, the Shares or the outstanding shares
of C Co Common Stock, except as expressly contemplated by this Agreement, the
Exchange Ratio shall be adjusted equitably.

      SECTION 2.03 EXCHANGE OF CERTIFICATES.

            (a) Exchange Procedures. At the Closing, in exchange for
certificates for C Co Common Stock and cash in lieu of fractional shares
pursuant to Section 2.01(d), each holder of Shares shall deliver to C Co
certificates representing the Shares ("Certificates") owned by such holder, duly
endorsed in blank or accompanied by stock powers duly endorsed in blank in
proper form for transfer. Upon surrender to C Co of a Certificate for
cancellation, the holder of such Certificate shall be entitled to receive in
exchange therefor a certificate representing that number of whole shares of C Co
Common Stock (after taking into account all Certificates surrendered by such
holder) to which such holder is entitled pursuant to Section 2.01(a) and payment
in lieu of fractional shares to which such holder is entitled pursuant to
Section 2.01(d), and the Certificate so surrendered shall forthwith be
cancelled. Until surrendered as contemplated by this Section 2.03(a) each
Certificate shall be deemed at all times after the Effective Time to represent
only the right to receive upon such surrender shares of C Co Common Stock
pursuant to Section 2.01(a) and cash in lieu of fractional shares pursuant to
Section 2.01(d). No interest shall be paid or will accrue on any cash payable in
lieu of fractional shares to holders of Certificates pursuant to the provisions
of this Article II.

            (b) No Liability. Neither C Co nor the Surviving Company shall be
liable to any holder of Shares for any such Shares (or dividends or
distributions with respect thereto), or cash delivered to a public official
pursuant to any abandoned property, escheat or similar law.

            (c) Withholding Rights. Each of C Co and the Surviving Company shall
be entitled to deduct and withhold from any consideration otherwise payable
pursuant to this Agreement to any holder of Shares such amounts as it is
required to deduct and withhold with respect to such payment under all
applicable Tax laws and pay such withholding amount over to the appropriate
taxing authority. To the extent that amounts are so properly withheld by C Co or
the Surviving Company, as the case may be, such withheld amounts shall be
treated for all purposes of this Agreement as having been paid to the holder of
the Shares in respect of which such deduction and withholding was made by C Co
or the Surviving Company, as the case may be.

                                       4



            (d) Lost, Stolen or Damaged Certificates. If any Certificate shall
have been lost, stolen, defaced or destroyed, C Co may, in its reasonable
discretion and as a condition to the issuance of any certificate representing
shares of C Co Common Stock, require the owner of such lost, stolen, defaced or
destroyed Certificate to make an affidavit of that fact and to post a bond, in
such reasonable amount as C Co may direct, as indemnity against any claim that
may be made against it or the Surviving Company with respect to such
Certificate.

      SECTION 2.04 TREATMENT OF STOCK OPTIONS AND OTHER EQUITY-BASED AWARDS.

            (a) Assumption of F Co Stock Options. Subject to Section 2.04(b), at
the Effective Time, all rights with respect to F Co Common Stock under each F Co
Stock Option then outstanding shall be converted into and become rights with
respect to C Co Common Stock, and C Co shall assume the F Co Stock Option Plan
and each such F Co Stock Option in accordance with the terms (as in effect as of
the date of this Agreement) of the F Co Stock Option Plan and the terms of the
stock option agreement by which it is evidenced. From and after the Effective
Time, (i) each F Co Stock Option assumed by C Co may be exercised solely for
shares of C Co Common Stock, (ii) the number of shares of C Co Common Stock
subject to each such F Co Stock Option shall be equal to the number of shares of
F Co Common Stock subject to such F Co Stock Option immediately prior to the
Effective Time multiplied by the Exchange Ratio, as it may be adjusted pursuant
to Section 2.02, rounding down to the nearest whole share, (iii) the per share
exercise price under each such F Co Stock Option shall be adjusted by dividing
the per share exercise price under such F Co Stock Option by the Exchange Ratio,
as it may be adjusted pursuant to Section 2.02), rounding up to the nearest
whole cent and (iv) any restriction on the exercise of any such F Co Stock
Option shall continue in full force and effect and the term, exercisability,
vesting schedule and other provisions of such F Co Stock Option shall otherwise
remain unchanged; provided, however, that each F Co Stock Option assumed by C Co
in accordance with this Section 2.04(a) shall, in accordance with its terms, be
subject to further adjustment as appropriate to reflect any stock split, stock
dividend, reverse stock split, reclassification, recapitalization or other
similar transaction subsequent to the Effective Time. In the case of any F Co
Stock Option to which this Section 2.04(a) applies, the option exercise price,
the number of shares of C Co Common Stock purchasable pursuant to such option
and the terms and conditions of exercise of such option shall be determined in
order to comply with Section 424(a) of the Code for purposes of Section 421 of
the Code to the extent such section applies to F Co Stock Options and for
purposes of Section 409A of the Code such that the substitution or assumption of
F Co Options will not be treated as the grant of a new option or change in the
form of payment for purposes of Section 409A of the Code. As soon after the
Effective Time as practicable, C Co shall file with the SEC a registration
statement on Form S-8 relating to the shares of C Co Common Stock issuable with
respect to the F Co Stock Options assumed by C Co in accordance with this
Section 2.04(a).

            (b) F Co Action. Prior to the Effective Time, F Co shall take all
commercially reasonable action that may be necessary (under the plans pursuant
to which F Co Stock Options are outstanding and otherwise) to effectuate the
provisions of this Section 2.04 and to ensure that, from and after the Effective
Time, holders of F Co Stock Options have no rights with respect thereto other
than those specifically provided in this Section 2.04. F Co shall take all
commercially reasonable action to administer, and shall have the power to make
determinations

                                       5



with respect to, the F Co Stock Option Plan, including the terms of vesting of
performance options, in accordance with the terms of such plan and the grants
thereunder.

            (c) C Co Stock Options and Equity Based Awards. C Co Stock Options,
restricted shares of C Co Common Stock and C Co Restricted Stock Units shall
fully vest at the Closing, and shall remain outstanding or be paid in accordance
with the terms of the C Co Stock Option Plan and the related agreements, subject
to adjustment for the Special Dividend as provided in Section 6.06.

      SECTION 2.05 NO FURTHER RIGHTS; STOCK TRANSFER BOOKS. At the Effective
Time, the stock transfer books of F Co shall be closed, and there shall be no
further registration of transfers of Shares issued and outstanding immediately
prior to the Effective Time thereafter on the records of F Co. From and after
the Effective Time, the holders of certificates representing Shares outstanding
immediately prior to the Effective Time shall cease to have any rights with
respect to such Shares, except as otherwise provided in this Agreement or by
law. On or after the Effective Time, any Certificates presented to C Co for any
reason shall be canceled against delivery of the consideration to which the
holders thereof are entitled pursuant to Section 2.01(a) and Section 2.01(d),
without interest.

      SECTION 2.06 TAX CONSEQUENCES. For federal income tax purposes, the Merger
is intended to constitute a reorganization within the meaning of Section 368 of
the Code. The parties hereby adopt this Agreement as a "plan of reorganization"
within the meaning of Sections 1.368-2(g) and 1.368-3(a) of the United States
Treasury Regulations.

      SECTION 2.07 SECURITIES ACT EXEMPTION AND COMPLIANCE; REGISTRATION RIGHTS.

            (a) Private Placement. The C Co Common Stock to be issued pursuant
to this Agreement initially will not be registered under the Securities Act in
reliance on the exemptions from the registration requirements of Section 5 of
the Securities Act set forth in Section 4(2) thereof and Regulation D
promulgated thereunder.

            (b) Legends. In addition to any legend imposed by applicable state
securities laws, the Shareholders Agreement or by any other contract which
continues in effect after the Effective Time, the certificates representing the
shares of C Co Common Stock issued pursuant to this Agreement shall bear a
restrictive legend (and stop transfer orders shall be placed against the
transfer thereof with C Co's transfer agent), stating substantially as follows:

      "THE SECURITIES REPRESENTED BY THIS CERTIFICATE HAVE NOT BEEN REGISTERED
      UNDER THE UNITED STATES SECURITIES ACT OF 1933, AS AMENDED (THE "ACT").
      THEY MAY NOT BE SOLD, TRANSFERRED, ASSIGNED, OR HYPOTHECATED IN THE
      ABSENCE OF AN EFFECTIVE REGISTRATION STATEMENT RELATED THERETO, OR, AN
      OPINION OF COUNSEL, SATISFACTORY TO THE COMPANY, THAT SUCH REGISTRATION IS
      NOT REQUIRED UNDER THE ACT."

            (c) Registration Rights. The stockholders of F Co shall be entitled
to the registration rights set forth in the Registration Rights Agreement to be
executed and delivered by C Co and each of the stockholders of F Co at Closing
in the form attached hereto as EXHIBIT D

                                       6



(the "Registration Rights Agreement"), in each case on the terms and subject to
the conditions set forth therein.

            (d) Lock-Up Agreement. Contemporaneously with the execution and
delivery of this Agreement, C Co and a certain stockholder F Co named therein
has entered into an agreement in the form attached hereto as EXHIBIT E which
will become effective as of the Closing (as amended, supplemented, restated or
otherwise modified from time to time, the "Lock-Up Agreement") to establish
certain arrangements with respect to the shares of C Co Common Stock to be
issued in the Merger, as well as restrictions on certain activities in respect
of the C Co Common Stock.

                                   ARTICLE III
                        REPRESENTATIONS AND WARRANTIES OF
                                      C CO

      Except as set forth in the disclosure schedule delivered by C Co to F Co
concurrently with the execution and delivery of this Agreement (the "C Co
Disclosure Schedule") and subject to any information contained, or incorporated
by reference in, any of the SEC Reports filed on or after January 1, 2004, C Co
hereby represents and warrants to F Co as follows:

      SECTION 3.01 ORGANIZATION AND QUALIFICATION; C CO SUBSIDIARIES.

            (a) Organization and Qualification. C Co and each subsidiary of C Co
(each, a "C Co Subsidiary") is a corporation, limited partnership, limited
liability company or other legal entity duly organized, validly existing and in
good standing under the laws of the jurisdiction of its organization (except, in
the case of good standing, for legal entities organized under the laws of any
jurisdiction that does not recognize such concept). C Co and each C Co
Subsidiary has the requisite corporate or entity power and authority to own,
lease, or otherwise hold the assets and properties owned, leased, or otherwise
held by it and necessary to carry on its business as presently conducted. C Co
and each C Co Subsidiary is in good standing and is duly qualified to conduct
business in each jurisdiction in which the nature of its business or the
ownership of property make such qualification necessary, except where the
failure to be so qualified would not reasonably be expected to have a C Co
Material Adverse Effect.

            (b) List of C Co Subsidiaries. A true and complete list of all the C
Co Subsidiaries, together with the jurisdiction of organization of each C Co
Subsidiary and the percentage of the outstanding capital stock (or other equity
interest) of each C Co Subsidiary owned by C Co, each other C Co Subsidiary and
any other person, is set forth in Section 3.01(b) of the C Co Disclosure
Schedule. C Co does not, directly or indirectly, own any capital stock (or other
equity interest) of any person other than the C Co Subsidiaries set forth on
Section 3.01(b) of the C Co Disclosure Schedule. C Co is not a direct or
indirect participant in any material joint venture or other equivalent
arrangement.

            (c) Investments. Section 3.01(b) of the C Co Disclosure Schedule
also lists any and all persons of which C Co directly or indirectly owns an
equity or similar interest, or an interest convertible into or exchangeable or
exercisable for an equity or similar interest, of less than 50% (collectively,
the "C Co Investments"). C Co or a C Co Subsidiary, as the case may

                                       7



be, owns all C Co Investments free and clear of all Liens, and there are no
outstanding contractual obligations of C Co or any C Co Subsidiary permitting
the repurchase, redemption or other acquisition of any of its interest in the C
Co Investments or requiring C Co or any C Co Subsidiary to provide funds to,
make any investment (in the form of a loan, capital contribution or otherwise)
in, provide any guarantee with respect to, or assume, endorse or otherwise
become responsible for the obligations of, any C Co Investment.

            (d) The term "C Co Material Adverse Effect" means any change,
circumstance, effect, event or occurrence that (i) would be materially adverse
to the assets, liabilities, business, financial condition or results of
operations of C Co and the C Co Subsidiaries taken as a whole, other than any
change, circumstance, effect, event or occurrence resulting from (A) changes in
general economic conditions affecting the United States, (B) general changes or
developments in the C Co Industries in which C Co and the C Co Subsidiaries
operate, (C) the announcement of this Agreement and the transactions
contemplated hereby, including any termination of, reduction in or similar
negative impact on relationships, contractual or otherwise, with any customers,
suppliers, distributors, partners or employees of C Co and the C Co Subsidiaries
to the extent due to the announcement and performance of this Agreement or the
identity of the parties to this Agreement, or the performance of this Agreement
and the transactions contemplated hereby, including compliance with the
covenants set forth herein, unless, in the case of the foregoing clauses (A) and
(B), such changes referred to therein have a materially disproportionate effect
on C Co and the C Co Subsidiaries taken as a whole relative to other
participants in the C Co Industries, or (ii) would have a material adverse
effect on the ability of C Co to perform its respective obligations hereunder or
under any Ancillary Agreement to which C Co is or will become a party, or to
consummate the transactions contemplated hereby or thereunder on a timely basis.
For purposes of this Section 3.01(d), "C Co Industries" shall mean credit card
and debit card processing and back-office support services to banks, credit
unions, retailers and other third-party businesses and check cashing and check
risk management and related processing products and services to businesses.

      SECTION 3.02 ARTICLES OF INCORPORATION AND BYLAWS. C Co has made available
to F Co a complete and correct copy of the Articles of Incorporation and the
Bylaws (or comparable organizational documents), each as amended to date, of C
Co and each C Co Subsidiary. Such Articles of Incorporation and Bylaws (or
comparable organizational documents) are in full force and effect. Neither C Co
nor any C Co Subsidiary is, nor has been, in violation of any of the provisions
of its Articles of Incorporation or Bylaws (or comparable organizational
documents). C Co has made available to F Co complete and correct copies of the
minutes of all meetings of the C Co Board (and each committee thereof), other
than the portion of any minutes regarding the deliberations of the C Co Board
(or any committee thereof) in connection with entering into this Agreement or
pursuing other strategic alternatives, and of the shareholders of C Co, in each
case since the date of C Co's organization.

      SECTION 3.03 CAPITALIZATION.

            (a) C Co Capitalization. The authorized capital stock of C Co
consists of 300,000,000 shares of C Co Common Stock, and 100,000,000 shares of
preferred stock, par value $.01 per share ("C Co Preferred Stock"). As of August
31 2005, (i) 62,005,579 shares of C Co Common Stock are issued and outstanding
(excluding shares of C Co Common Stock held

                                       8



in the treasury of C Co), all of which are duly authorized, validly issued,
fully paid and nonassessable and were issued free of preemptive (or similar)
rights, (ii) 7,266,022 shares of C Co Common Stock are held in the treasury of C
Co, (iii) no shares of C Co Common Stock are held by the C Co Subsidiaries, and
(iv) 6,636,322 shares of C Co Common Stock are reserved for future issuance in
connection with the C Co Plans identified on Schedule 3.03(a)(i) of the C Co
Disclosure Schedule (the "C Co Stock Option Plans") (including shares reserved
for issuance pursuant to outstanding options granted pursuant to C Co Stock
Option Plans ("C Co Stock Options") and outstanding restricted stock units
awarded pursuant to C Co Stock Option Plans ("C Co Restricted Stock Units" ).
Since August 31, 2005 through the date of this Agreement, other than in
connection with (i) the issuance of shares of C Co Common Stock pursuant to the
exercise of C Co Stock Options outstanding as of August 31, 2005, (ii) the
issuance of shares of C Co Common Stock upon the vesting of C Co Restricted
Stock Units outstanding as of August 31, 2005, or (iii) the forfeiture of C Co
Common Stock issued pursuant to restricted stock awards made pursuant to C Co
Stock Option Plans, there has been no change in the number of shares of
outstanding capital stock of C Co or the number of outstanding C Co Stock
Options or C Co Restricted Stock Units. Section 3.03(a)(ii) of the C Co
Disclosure Schedule sets forth, as of August 31, 2005, the number of shares of C
Co Common Stock issuable upon exercise of outstanding C Co Stock Options granted
under each C Co Stock Option Plan and the number of shares of C Co Common Stock
issuable upon vesting of outstanding C Co Restricted Stock Units. As of the date
of this Agreement, no shares of C Co Preferred Stock are issued and outstanding.
Section 3.03(a)(iii) of the C Co Disclosure Schedule sets forth each C Co Stock
Option and each C Co Restricted Stock Units outstanding as of August 31, 2005,
the number of shares of C Co Common Stock issuable thereunder, and the
expiration date and any applicable exercise price thereof.

            (b) Merger Co. All the outstanding membership interests of Merger Co
are owned, beneficially and of record, by C Co. Merger Co was formed solely for
the purpose of the Merger, and except for obligations incurred in connection
with its organization and the Merger, Merger Sub has not and will not have
incurred, directly or indirectly, through any subsidiary or affiliate, any
obligations or liabilities or engaged in any business activities of any type or
kind whatsoever or entered into any Contracts with any Person.

            (c) Other Rights. Except as set forth in Section 3.03(a), and except
for the rights (the "C Co Rights") issued pursuant to the Rights Agreement,
dated as of June 29, 2001 (the "C Co Rights Agreement"), between C Co and
SunTrust Bank, a Georgia banking corporation, as rights agent, in respect of
which no Distribution Date (as defined in the C Co Rights Agreement) has
occurred, there are no (i) subscriptions, calls, contracts, options, warrants or
other rights, agreements, arrangements, understandings, restrictions or
commitments of any character to which C Co or any C Co Subsidiary is a party or
by which C Co or any C Co Subsidiary is bound relating to the issued or unissued
capital stock of C Co or any C Co Subsidiary or obligating C Co or any C Co
Subsidiary to issue or sell any shares of capital stock of, other equity
interests in or debt securities of, C Co or any C Co Subsidiary, (ii) debt or
equity securities of C Co or any C Co Subsidiary convertible, exchangeable or
exercisable for shares of capital stock or voting securities of C Co or any C Co
Subsidiary (or any other securities, which, whether after notice, lapse of time,
or payment of monies, are or would be convertible into or exchangeable or
exercisable for capital stock or voting securities of C Co or any C Co
Subsidiary), or (iii) equity equivalents, stock appreciation rights, phantom
stock, ownership

                                       9



interests in C Co or any C Co Subsidiary or similar rights. All shares of C Co
Common Stock subject to issuance as set forth in Section 3.03(a), upon issuance
on the terms and conditions specified in the instruments pursuant to which they
are issuable, will be duly authorized, validly issued, fully paid and
nonassessable and free of preemptive (or similar) rights. There are no
outstanding contractual obligations of C Co or any C Co Subsidiary to
repurchase, redeem or otherwise acquire any outstanding securities of C Co or
any C Co Subsidiary, to vote or to dispose of any shares of C Co Common Stock or
any capital stock of any C Co Subsidiary or to make any investment (in the form
of a loan, capital contribution or otherwise) in, any C Co Subsidiary or any
other person. None of C Co or any C Co Subsidiary is a party to any shareholders
agreement, voting trust agreement or registration rights agreement relating to
any equity securities of C Co or any C Co Subsidiary or any other Contract
relating to disposition, voting or dividends with respect to any equity
securities of C Co or of any C Co Subsidiary (other than the No-Shop Agreement
and the Shareholders Agreement). Except for quarterly dividends of $0.05 per
share paid or payable to shareholders of record as of January 1, 2005, April 1,
2005, July 1, 2005 and October 1, 2005, no dividends on the C Co Common Stock
have been declared or have accrued from December 31, 2004 through the date
hereof. All of the outstanding shares of C Co Common Stock have been issued by C
Co in compliance with applicable federal and state securities laws.

            (d) Validity of Certain Prior Issuances. Each outstanding share of
capital stock (or other equity interest) of each C Co Subsidiary is duly
authorized, validly issued, fully paid and nonassessable and was issued free of
preemptive (or similar) rights, and each such share is owned by C Co or another
C Co Subsidiary (except for, in the case of certain non-United States C Co
Subsidiaries, nominal numbers of shares held by a director, officer or other
agent of a C Co Subsidiary in trust for such C Co Subsidiary) free and clear of
all options, rights of first refusal, agreements, limitations on C Co's or any C
Co Subsidiary's voting, dividend or transfer rights, charges and other
encumbrances or Liens of any nature whatsoever.

            (e) Validity of Share Issuance. When issued in accordance with the
terms of this Agreement, the shares of C Co Common Stock to be issued in
connection with the Share Issuance will be duly authorized, validly issued,
fully paid and non-assessable, free and clear of all Liens.

      SECTION 3.04 AUTHORITY RELATIVE TO THIS AGREEMENT. Each of C Co and Merger
Co has all necessary corporate power and authority to execute and deliver this
Agreement and each Ancillary Agreement to which it is or will become a party, to
perform its respective obligations hereunder and thereunder and to consummate
the Merger, the Share Issuance, the Articles Amendment and the other
transactions contemplated by this Agreement to be consummated by C Co and Merger
Co (the "Other Transactions"). The execution, delivery and performance by C Co
and Merger Co of this Agreement and each Ancillary Agreement to which C Co or
Merger Co is or will become a party and the consummation by C Co and Merger Co
of the Merger, the Share Issuance, the Articles Amendment and the Other
Transactions have been duly and validly authorized by all necessary corporate
action, and no other corporate proceedings on the part of C Co or Merger Co are
necessary to authorize this Agreement or any Ancillary Agreement or to
consummate the Merger, the Share Issuance, the Articles Amendment or such Other
Transactions (other than the approval of the C Co Proposal by the shareholders
of C Co in accordance with the Georgia Business Corporation Code ("GBCC") (the
"C Co

                                       10



Shareholder Approval") and the filing and recordation of the Certificate of
Merger as required by the provisions of the DGCL and the DLLCA). Except for the
C Co Shareholder Approval, the affirmative vote or consent of the holders of any
class or series of capital stock or other securities of C Co, or any of them, is
not necessary to approve any agreement or instrument contemplated hereby or by
any of the Other Transactions other than this Agreement or to consummate any of
the Other Transactions contemplated hereby or thereby. This Agreement has been
duly and validly executed and delivered by C Co and, assuming the due
authorization, execution and delivery by F Co, constitutes legal, valid and
binding obligations of C Co, enforceable against it in accordance with its
terms, subject to the effect of any applicable bankruptcy, insolvency (including
all laws relating to fraudulent transfers), reorganization, moratorium or
similar laws affecting creditors' rights generally and subject to the effect of
general principles of equity. Each other Ancillary Agreement to which C Co will
be a party (the "C Co Closing Documents"), upon execution and delivery by C Co,
will constitute a legal, valid and binding obligation of C Co, enforceable
against it in accordance with their respective terms, subject to the effect of
any applicable bankruptcy, insolvency (including all laws relating to fraudulent
transfers), reorganization, moratorium or similar laws affecting creditors'
rights generally and subject to the effect of general principles of equity.

      SECTION 3.05 NO CONFLICT; REQUIRED FILINGS AND CONSENTS.

            (a) No Conflict. The execution and delivery of this Agreement by C
Co and Merger Co do not, and the execution and delivery of the C Co Closing
Documents by C Co, the performance of this Agreement by C Co and Merger Co, the
performance of the C Co Closing Documents by C Co, and the consummation by C Co
and Merger Co of the Merger, the Share Issuance, the Articles Amendment and the
Other Transactions will not, (i) conflict with, violate or result in a breach of
the Articles of Incorporation or Bylaws (or comparable organizational documents)
of C Co, Merger Co or any other C Co Subsidiary, (ii) assuming that all
consents, approvals and other authorizations described in Section 3.05(b) (other
than clause (viii) thereof) have been obtained and that all filings and other
actions described in Section 3.05(b) (other than clause (viii) thereof) have
been made or taken, conflict with or violate any statute, law, ordinance,
regulation, rule, code, executive order, judgment, injunction, decree or other
order ("law") or Operating Rule applicable to C Co, Merger Co or any other C Co
Subsidiary or by which any property or asset of C Co, Merger Co or any other C
Co Subsidiary is bound or affected, or (iii) result in any breach or violation
of or constitute a default (or an event which, with notice or lapse of time or
both, would become a default) under, require consent or result in a loss of a
benefit under, give rise to an obligation under, give to others any right of
termination, amendment, acceleration or cancellation of, or result in the
creation of a Lien on any property or asset of C Co, Merger Co or any other C Co
Subsidiary pursuant to, any note, bond, mortgage, indenture, contract,
agreement, lease, license, permit, franchise or other binding commitment,
instrument or obligation (each, a "Contract") to which C Co, Merger Co or any
other C Co Subsidiary is a party or by which C Co, Merger Co or any other C Co
Subsidiary or any property or asset of C Co, Merger Co or any other C Co
Subsidiary is bound or affected, except, with respect to clauses (ii) and (iii),
for any such conflicts, violations, breaches, defaults or other occurrences
which would not, individually or in the aggregate, reasonably be expected to
have a C Co Material Adverse Effect.

                                       11



            (b) Consents and Approvals. The execution and delivery of this
Agreement by C Co and Merger Co do not, and the performance of this Agreement by
C Co and Merger Co and the consummation by C Co and Merger Co of the Merger, the
Share Issuance, the Articles Amendment and the Other Transactions will not,
require any consent, approval, authorization or permit of, or filing with or
notification to, any supranational, national, provincial, federal, state or
local government, regulatory or administrative authority, or any court,
tribunal, or judicial or arbitral body (a "Governmental Authority") or any
Association, except for (i) applicable requirements of the Securities Exchange
Act of 1934, as amended (the "Exchange Act"), (ii) the pre-merger notification
requirements of the Hart-Scott-Rodino Antitrust Improvements Act of 1976, as
amended (the "HSR Act") and the competition or merger control laws of any other
applicable jurisdiction, (iii) the filing with the Securities and Exchange
Commission (the "SEC") of a proxy statement relating to the approval of the
Share Issuance and the Articles Amendment by C Co's shareholders (as amended or
supplemented from time to time, the "Proxy Statement"), (iv) any filings
required by, and any approvals required under, the rules and regulations of the
NYSE, (v) the filing and recordation of appropriate merger documents as required
by the DGCL and appropriate documents with the relevant authorities of other
states in which C Co or any C Co Subsidiary is qualified to do business, (vi) if
required, the filing of a Form D with the SEC and any applicable state
securities regulatory authorities, (vii) the consents, notices and approvals set
forth in Section 3.05(b)(vii) of the C Co Disclosure Schedule, and (viii) any
such consents, approvals, authorizations, permits, notifications, or filings,
the failure of which to obtain or make, or would not, individually or in the
aggregate, reasonably be expected to have a C Co Material Adverse Effect. C Co
has obtained and provided to F Co a true and correct copy of a written
commitment from SunTrust Bank and SunTrust Capital Markets, Inc. to provide a
new $250 million unsecured term loan, which would replace C Co's existing $200
million unsecured revolving credit facility and provide a funding source for
payment of the Special Dividend (the "SunTrust Commitment"). The SunTrust
Commitment has not been rescinded or amended in a manner materially adverse to
the interests of C Co or F Co, and the SunTrust Commitment remains in full force
and effect. C Co is not aware of any facts or circumstances that create a
reasonable basis for C Co to believe that C Co will not be able to obtain
financing under and in accordance with the SunTrust Commitment.

      SECTION 3.06 PERMITS; COMPLIANCE; REGULATORY MATTERS.

            (a) Permits. Each of C Co and each C Co Subsidiary has all
franchises, grants, authorizations, licenses, permits, easements, variances,
exceptions, consents, certificates, approvals and orders of any Governmental
Authority or Association necessary for each of C Co and each C Co Subsidiary to
own, lease and operate its properties or to carry on its business as it is now
being conducted (the "C Co Permits"), except for any such C Co Permit the
failure of which to have, or the suspension or cancellation of which would not,
individually or in the aggregate, reasonably be expected to have a C Co Material
Adverse Effect. Neither it nor any C Co Subsidiary has received any written
notification from any Governmental Authority threatening to revoke any such
person's C Co Permit. To C Co's knowledge, all such C Co Permits are renewable
by their respective terms in the ordinary course of business without the need to
comply with any special qualification procedures or to pay any amounts other
than routine filing fees. The consummation of the Merger, in and of itself will
not cause the revocation or cancellation of any C Co Permits other than any C Co
Permit the revocation or

                                       12



cancellation of which would not, individually or in the aggregate, reasonably be
expected to have a C Co Material Adverse Effect.

            (b) Regulatory Approvals. As of the date of this Agreement, to C
Co's knowledge, there is no reason why (i) all regulatory approvals from any
Governmental Authority required for the consummation of the Merger, the Share
Issuance, the Articles Amendment and the Other Transactions should not be
obtained on a timely basis or (ii) any condition to the consummation of the
Merger, the Share Issuance, the Articles Amendment and the Other Transactions
set forth in Section 7.01 and 7.03, should not be satisfied on a timely basis.

            (c) Compliance with Law. Each of C Co and each C Co Subsidiary is in
material compliance with any law or Operating Rule applicable to such entity or
by which any property or asset of such entity is bound or affected, is not
currently in material violation of any such law or Operating Rule, and there
have been no notices or orders of noncompliance issued to C Co or any C Co
Subsidiaries under or in respect of any such laws or Operating Rules. Neither C
Co nor any C Co Subsidiary has received any written notice from a Governmental
Authority or Association alleging that the Company or any Subsidiary has failed
to comply (i) in any respect with any applicable law or Operating Rules relating
to the security of consumer information or (ii) in any material respect with any
applicable laws or Operating Rules relating to consumer protection and/or
consumer financial services, in either case, other than such notices received in
the ordinary course of its business.

            (d) Data Security. To C Co's knowledge, there are no facts of
circumstances that would require C Co or any C Co Subsidiary to give notice to
any customers, consumers or other similarly situated individuals, pursuant to
California Civil Code Section 1798.82 or any similar law, of any actual or
perceived data security breaches, except for such notices given in the ordinary
course of its business or the failure of which to provide would not,
individually or in the aggregate, reasonably be expected to have a C Co Material
Adverse Effect.

            (e) Internal Controls. C Co has established and maintains a system
of internal accounting controls that is designed to ensure the accurate
recording, processing, summarizing and reporting of financial information. C Co
has not received any material complaint, allegation, assertion or claim in
writing regarding the accounting practices, procedures, methodologies or methods
of C Co or its internal accounting controls, including any such complaint,
allegation assertion or claim that C Co has engaged in questionable accounting
practices. C Co is not aware of any significant deficiencies or material
weaknesses in the design or operation of its internal accounting controls which
are reasonably likely to adversely affect C Co's ability to record, process,
summarize and report financial information. C Co is not aware of any material
fraud or allegations of fraud that involves senior management or other employees
who have a significant role in internal controls.

      SECTION 3.07 SEC FILINGS; FINANCIAL STATEMENTS; UNDISCLOSED LIABILITIES.

            (a) SEC Filings. C Co has filed all forms, reports, statements,
schedules and other documents required to be filed by it with the SEC since
January 1, 2002 (collectively, the "SEC Reports"). The SEC Reports (i) were
prepared in accordance with the applicable requirements of the Securities Act of
1933, as amended (the "Securities Act"), the Exchange Act,

                                       13



the Sarbanes-Oxley Act of 2002 (the "Sarbanes-Oxley Act"), and, in each case,
the rules and regulations promulgated thereunder, and (ii) did not, at the time
they were filed, or, if amended, as of the date of such amendment, contain any
untrue statement of a material fact or omit to state a material fact required to
be stated therein or necessary in order to make the statements made therein, in
the light of the circumstances under which they were made, not misleading
(including any financial statements or other documentation incorporated by
reference therein). No C Co Subsidiary is required to file any form, report or
other document with the SEC.

            (b) Financial Statements. Each of the consolidated financial
statements (including, in each case, any notes thereto) contained in the SEC
Reports was prepared in accordance with United States generally accepted
accounting principles ("GAAP") applied on a consistent basis throughout the
periods indicated (except as may be indicated in the notes thereto or, in the
case of unaudited statements, as permitted by Form 10-Q of the SEC) and each
fairly presents, in all material respects, the consolidated financial position,
assets and liabilities, results of operations and cash flows of C Co and its
consolidated C Co Subsidiaries as at the respective dates thereof and for the
respective periods indicated therein (subject, in the case of unaudited
statements, to normal and recurring year-end adjustments and, in the case of pro
forma financial statements, to the qualifications stated therein). All of the C
Co Subsidiaries are consolidated for accounting purposes.

            (c) No Undisclosed Liabilities. Neither C Co nor any of the C Co
Subsidiaries has any liabilities of a nature required by GAAP to be reflected in
a consolidated balance sheet or the notes thereto, except liabilities that (i)
are accrued or reserved against in the most recent financial statements included
in the SEC Reports filed prior to the date hereof or are reflected in the notes
thereto, (ii) were incurred in the ordinary course of business since the date of
such financial statements or otherwise in accordance with Section 5.01, (iii)
are incurred pursuant to the transactions contemplated by this Agreement, (iv)
have been discharged or paid in full prior to the date of this Agreement in the
ordinary course of business or (v) as would not reasonably be expected to have,
individually or in the aggregate, a C Co Material Adverse Effect.

      SECTION 3.08 INFORMATION SUPPLIED. None of the information included or
incorporated by reference in the Proxy Statement or any other document filed by
C Co with the SEC in connection with the Share Issuance or the Articles
Amendment (the "Other Filings") will, in the case of the Proxy Statement, at the
date it is first mailed to C Co's shareholders or at the time of the C Co
Shareholders' Meeting or at the time of any amendment or supplement thereof, or,
in the case of any Other Filing, at the date it is first mailed to C Co's
shareholders or at the date it is first filed with the SEC, contain any untrue
statement of a material fact or omit to state any material fact required to be
stated therein or necessary in order to make the statements therein, in light of
the circumstances under which they are made, not misleading, except that no
representation is made by C Co with respect to statements made or incorporated
by reference therein based on information supplied by F Co, its stockholders or
any affiliate of F Co or its stockholders in connection with the preparation of
the Proxy Statement or the Other Filings for inclusion or incorporation by
reference therein. The Proxy Statement and the Other Filings that are filed by C
Co will comply as to form in all material respects with the requirements of the
Exchange Act and the rules and regulations promulgated thereunder.

                                       14



      SECTION 3.09 ABSENCE OF CERTAIN CHANGES OR EVENTS. Since December 31,
2004, there has not been any C Co Material Adverse Effect. Since December 31,
2004 and prior to the date hereof, except as expressly contemplated by this
Agreement, (a) C Co and the C Co Subsidiaries have conducted their businesses
only in the ordinary course of business and in a manner consistent with past
practice, except with respect to activities related to the disposition of C Co's
merchant acquiring portfolio, (b) neither C Co nor any C Co Subsidiary has
terminated or suffered any material amendment of any Specified C Co Contract
that has or would reasonably be expected to have a C Co Material Adverse Effect,
(c) other than in the ordinary course of business consistent with past practice,
neither C Co nor any C Co Subsidiary has increased the salaries or other
compensation of, or made any advance or loan to, any of its current or former
directors or executive officers or made any increase in, or any addition to,
other benefits to which any of its current or former directors or executive
officers may be entitled, and (d) neither C Co nor any C Co Subsidiary has: (i)
suffered any damage, destruction or loss (regardless of whether covered by
insurance), other than in the ordinary course of business, that has had or would
reasonably be expected to have a C Co Material Adverse Effect; or (ii) taken any
action that would be prohibited by clauses (a) through (q) of Section 5.01 if
taken after the date hereof.

      SECTION 3.10 ABSENCE OF LITIGATION. There is no litigation, suit, claim,
action, proceeding, hearing, petition or investigation (an "Action") pending or,
to the knowledge of C Co, threatened against C Co or any C Co Subsidiary, or any
property or asset of C Co or any C Co Subsidiary, before any Governmental
Authority or arbitrator (a) that questions the validity of this Agreement or any
other Transaction Document, the performance by either C Co of the obligations to
be performed by them hereunder or thereunder or the consummation of the
transactions contemplated hereby or thereby, or (b) except as would not
reasonably be expected to have a C Co Material Adverse Effect. As of the date of
this Agreement, no executive officer or director of C Co is a defendant in any
Action in connection with his status as an executive officer or director of C Co
or any C Co Subsidiary. Neither C Co nor any C Co Subsidiary nor any property or
asset of C Co or any C Co Subsidiary is subject to any continuing order of,
consent decree, settlement agreement or other similar written agreement with,
or, to the knowledge of C Co, continuing investigation by, any Governmental
Authority, or any order, writ, judgment, injunction, decree, determination or
award of any Governmental Authority.

      SECTION 3.11 EMPLOYEE BENEFIT PLANS.

            (a) Benefit Plans. Section 3.11(a) of the C Co Disclosure Schedule
lists: (i) all employee benefit plans (as defined in Section 3(3) of the
Employee Retirement Income Security Act of 1974, as amended ("ERISA")) and all
bonus, stock option, stock purchase, restricted stock, incentive, deferred
compensation, retiree medical or life insurance, supplemental retirement,
severance or other benefit plans, programs or arrangements; and (ii) all
material employment, termination, severance or other contracts, agreements or
commitments to which C Co or any C Co Subsidiary is a party, with respect to
which C Co or any C Co Subsidiary has or may reasonably be expected to have any
obligation or which are maintained, contributed to or sponsored by C Co or any C
Co Subsidiary for the benefit of any current or former employee, consultant,
officer or director of C Co or any C Co Subsidiary (collectively, the "C Co
Plans"). C Co has made available to F Co a complete and correct copy (where
applicable) of (u) each C Co Plan (or, where a C Co Plan has not been reduced to
writing, a summary of all material terms of such C Co Plan), (v) each trust or
funding arrangement prepared in connection with

                                       15



each such C Co Plan, (w) the most recently filed annual report on Internal
Revenue Service ("IRS") Form 5500, (x) the most recently received IRS
determination letter for each such C Co Plan, (y) the most recently prepared
actuarial report and financial statement in connection with each such C Co Plan,
and (z) the most recent summary plan description, any summaries of material
modification, any employee handbooks, and any material written communications
(or a description of any material oral communications) by C Co or the C Co
Subsidiaries to any current or former employees, consultants, or directors of C
Co or any C Co Subsidiary concerning the extent of the benefits provided under a
C Co Plan.

            (b) Pension Plans; Multiemployer Plans. None of C Co or any C Co
Subsidiary or any other person that, together with C Co or any C Co Subsidiary,
is or was treated as a single employer under Section 414(b), (c), (m) or (o) of
the Code (each, together with C Co and any C Co Subsidiary, a "C Co ERISA
Affiliate"), has now or at any time within the past three years (and in the case
of any such other person, only during the period within the past three years
that such other person was a C Co ERISA Affiliate) contributed to, sponsored, or
maintained (i) a pension plan (within the meaning of Section 3(2) of ERISA)
subject to Section 412 of the Code or Title IV of ERISA; (ii) a multiemployer
plan (within the meaning of Section 3(37) or 4001(a)(3) of ERISA) (a
"Multiemployer Plan"); or (iii) a single employer pension plan (within the
meaning of Section 4001(a)(15) of ERISA) for which a C Co ERISA Affiliate would
reasonably be expected to incur liability under Section 4063 or 4064 of ERISA (a
"Multiple Employer Plan").

            (c) Change in Control Agreements. Section 3.11(c) of the C Co
Disclosure Schedule lists each C Co plan (each agreement thereon being referred
to as a "C Co Change in Control Agreement") that would reasonably be expected to
result in the payment to any present or former employee, director or consultant
of C Co or any C Co Subsidiary of any money or other property or accelerate or
provide any other rights or benefits to any current or former employee, director
or consultant of C Co or any C Co Subsidiary as a result of the consummation of
the Merger, the Share Issuance, the Articles Amendment or any other transaction
contemplated by this Agreement (whether alone or in connection with any other
event). No payment or benefit which will or may be made by C Co or any C Co
Subsidiaries with respect to any other "disqualified individual" will be
characterized as a "parachute payment," within the meaning of Code Section
280G(B)(2). In the event that the execution and delivery of this Agreement or
the consummation of the transactions contemplated hereby (either alone or upon
the occurrence of any additional or subsequent events) results or could result
in any payment or benefit which will be characterized as a "parachute payment,"
Section 3.11(c) of the C Co Disclosure Schedule lists all persons who C Co
reasonably believes are, with respect to C Co or any C Co Subsidiaries,
"disqualified individuals" as determined as of the date hereof.

            (d) Qualified Plans. Each C Co Plan that is intended to be qualified
under Section 401(a) of the Code has received a favorable determination letter
from the IRS that the C Co Plan is so qualified, and, to the knowledge of C Co,
no fact or circumstance exists that would reasonably be expected to result in
the revocation of such letter.

            (e) Compliance. Each C Co Plan has been established and administered
in accordance with its terms, and in compliance with the applicable provisions
of ERISA, the Code and other applicable laws, except to the extent such
noncompliance, individually or in the aggregate, would not, individually or in
the

                                       16



aggregate, reasonably be expected to have a C Co Material Adverse Effect. All
amendments and actions required to bring each of the C Co Plans into conformity
in all material respects with all of the applicable provisions of ERISA and
other applicable laws have been made or taken except to the extent that such
amendments or actions are not required by law to be made or taken until a date
after the Effective Time. Except to the extent it would not reasonably be
expected to result in a C Co Material Adverse Effect, neither C Co nor any C Co
Subsidiary has incurred or reasonably expects to incur, either directly or
indirectly (including as a result of an indemnification obligation), any
liability under Title 1 or IV of ERISA or the penalty, excise tax or joint and
several liability provisions of the Code or any foreign law or regulation
relating to employee benefit plans (including, without limitation, Section 406,
409, 502(i), 502(1), 4069 or 4212(c) of ERISA, or Section 4971, 4975 or 4976 of
the Code), or under any agreement, instrument, statute, rule or legal
requirement pursuant to or under which C Co or any C Co Subsidiaries or any C Co
Plan or pension plan has agreed to indemnify or is required to indemnify any
person against liability incurred under, or for a violation or failure to
satisfy the requirements of any such legal requirement, and to the knowledge of
C Co, no event, transaction or condition has occurred, exists or is expected to
occur which could result in any such liability to C Co or any C Co Subsidiary
after the Effective Time.

            (f) Actions. With respect to any C Co Plan, (i) no Actions (other
than routine claims for benefits in the ordinary course) are pending or, to the
knowledge of C Co, threatened, except for those that would not, individually or
in the aggregate, reasonably be expected to have a Material Adverse Effect, (ii)
to the knowledge of C Co, no facts or circumstances exist that would reasonably
be expected to give rise to any such Actions, and (iii) no administrative
investigation, audit or other administrative proceeding by the Department of
Labor, the IRS or other Governmental Authority is pending, in progress or, to
the knowledge of C Co, threatened, except for those that would not, individually
or in the aggregate, reasonably be expected to have a C Co Material Adverse
Effect.

            (g) Contributions. All contributions and premiums required by law or
by the terms of any C Co Plan have been timely made (without regard to any
waivers granted in respect thereof) to any funds or trusts established
thereunder or in connection therewith, and no accumulated funding deficiencies
exist in any of such plans subject to Section 412 of the Code.

            (h) Reportable Events. During the 12-month period ending on the date
hereof, no "reportable event" (as defined in Section 4043 of ERISA and the
regulations thereunder) for which the 30-day reporting requirement has not been
waived or extended has occurred with respect to any of the C Co Plans subject to
Title IV of ERISA, nor has any event requiring notice to be provided under
Section 4041(c)(3)(C) or 4063(a) of ERISA.

            (i) Filing Violations. There has been no violation of ERISA in
respect of the filing of applicable returns, reports, documents, and notices
regarding any of the C Co Plans with the Secretary of Labor or the Secretary of
the Treasury or the furnishing of such notices or documents to the participants
or beneficiaries of the C Co Plans that would reasonably be expected to result
in a C Co Material Adverse Effect.

                                       17



            (j) Certain Notices. C Co, each C Co Subsidiary, and any C Co ERISA
Affiliate that maintains a "benefits plan" (within the meaning of Section
5000(b)(1) of ERISA) have complied with the notice and continuation requirements
of Section 4980B of the Code or Part 6 of Title I of ERISA and the applicable
regulations thereunder, except to the extent that failure to so comply would not
reasonably be expected to result in a C Co Material Adverse Effect.

            (k) Unfunded Liabilities. None of C Co, any C Co Subsidiary, any C
Co ERISA Affiliate or any organization to which any is a successor or parent
corporation, has divested any business or entity maintaining or sponsoring a
defined benefit pension plan having unfunded benefit liabilities (within the
meaning of Section 4001(a)(18) of ERISA) or transferred any such plan to any
person other than C Co, any C Co Subsidiary, or any C Co ERISA Affiliate during
the five-year period ending on the date of the Closing.

            (l) Prohibited Transactions. To C Co's knowledge, neither C Co nor
any C Co Subsidiary nor any "party in interest" or "disqualified person" in
respect of the C Co Plans has engaged in a "prohibited transaction" (within the
meaning of Section 4975 of the Code or Section 406 of ERISA) that would
reasonably be expected to result in a C Co Material Adverse Effect.

            (m) Trustees. None of C Co, any C Co Subsidiary, or any C Co ERISA
Affiliate has terminated any C Co Plan subject to Title IV of ERISA, or incurred
any outstanding liability under Section 4062 of ERISA to the Pension Benefit
Guaranty Corporation (the "PBGC") or to a trustee appointed under Section 4042
of ERISA and no person (including without limitation the PBGC) has instituted
any proceeding to terminate any C Co Plan or pension plan or appoint a trustee
to administer any such C Co Plan or pension plan, in each case, except to the
extent it would not reasonably be expected to result in a C Co Material Adverse
Effect.

            (n) Acceleration of Payments. Neither the execution and delivery of
this Agreement nor the consummation of the Merger, the Share Issuance, the
Articles Amendment and the transactions contemplated hereby will (i) result in
any payment becoming due to any employee of C Co or any C Co Subsidiary, (ii)
increase any benefits otherwise payable under any C Co Plan or pension plan, or
(iii) result in the acceleration of the time of payment, funding or vesting of
any such benefits.

            (o) Stock Subject to C Co Plans. No stock or other security issued
by C Co or any C Co Subsidiary forms or has formed a material part of the assets
of any C Co Plan.

            (p) Foreign Plans. With respect to each C Co Plan that is not
subject to United States law (a "Foreign C Co Plan"), except as would not,
individually or in the aggregate, reasonably be expected to have a C Co Material
Adverse Effect: (i) all employer and employee contributions to each Foreign C Co
Plan required by law or by the terms of such Foreign C Co Plan have been made
or, if applicable, accrued in accordance with normal accounting practices; (ii)
the fair market value of the assets of each funded Foreign C Co Plan, the
liability of each insurer for any Foreign C Co Plan funded through insurance or
the book reserve established for any Foreign C Co Plan, together with any
accrued contributions, is sufficient to procure or

                                       18



provide for the accrued benefit obligations, as of the date of this Agreement,
with respect to all current and former participants in such plan according to
the actuarial assumptions and valuations most recently used and consistent with
applicable law to determine employer contributions to such Foreign C Co Plan and
no transaction contemplated by this Agreement shall cause such assets, reserve
or insurance obligations to be less than such benefit obligations; (iii) each
Foreign C Co Plan required to be registered has been registered and has been
maintained in good standing with applicable regulatory authorities; and (iv)
each Foreign C Co Plan is in compliance with all applicable law in all material
respects.

            (q) Retiree Health and Welfare Benefits. Except for the continuation
coverage requirements of Section 4980B of the Code or Part 6 of Title I of ERISA
("COBRA"), C Co has no liability or potential liability for benefits to any
employees following termination of employment or retirement under any of the C
Co Plans that are employee welfare benefit plans. No written or oral
representations have been made to any employee or former employee of C Co
promising or guaranteeing any employer payment or funding for the continuation
of medical, dental, life or disability coverage for any period of time beyond
the end of the current plan year (except to the extent of coverage required
under COBRA).

            (r) Section 409A. Each C Co Plan that is a "nonqualified deferred
compensation plan" subject to Code Section 409A has been operated since January
1, 2005 based upon a good faith, reasonable interpretation of Code Section 409A
and Internal Revenue Service Notice 2005-1. No C Co Plan that is a "nonqualified
deferred compensation plan" that is not subject to Code Section 409A has been
materially modified (as determined under Notice 2005-1) after October 3, 2004.
No stock option granted under any C Co Plan has an exercise price that has been
or may be less than the fair market value of the underlying stock as of the date
such option was granted or has any feature for the deferral of compensation
other than the deferral of recognition of income until the later of exercise or
disposition of such option.

      SECTION 3.12 LABOR AND EMPLOYMENT MATTERS.

            (a) Collective Bargaining; Union Organization. Neither C Co nor any
C Co Subsidiary is a party to any collective bargaining agreement or other labor
union agreements applicable to persons employed by C Co or any C Co Subsidiary,
nor to the knowledge of C Co, are there any formal activities or proceedings of
any labor union to organize any such employees.

            (b) Complaints and Grievances. There are no material unfair labor
practice complaints, grievances or charges pending, or to C Co's knowledge,
threatened against C Co or any C Co Subsidiary before the National Labor
Relations Board ("NLRB") or any other Governmental Authority or any current
union representation questions involving employees of C Co or any C Co
Subsidiary. There are no complaints, charges, or claims against C Co or any C Co
Subsidiary pending or, to C Co's knowledge, threatened to be brought or filed
with the NLRB or any Governmental Authority based on, arising out of, in
connection with, or otherwise relating to the employment or termination of
employment of any individual by C Co or any C Co Subsidiary.

            (c) Strikes and Slowdowns. There is no strike, controversy,
slowdown, work stoppage, lockout, material arbitration, or material grievance or
other material labor dispute or, to

                                       19



the knowledge of C Co, threatened in writing, by or with respect to any
employees of C Co or any C Co Subsidiary.

            (d) Employee Relations. The employment of each officer and U.S.
employee of C Co and the C Co Subsidiaries is terminable at the will of C Co or
such C Co Subsidiary, as the case may be. To C Co's knowledge, no officer of C
Co or any C Co Subsidiary is in violation of any material term of any
employment, consultant, non-disclosure, non-competition, confidentiality, or
other equivalent agreement.

      SECTION 3.13 REAL AND PERSONAL PROPERTY.

            (a) Owned Real Property. Section 3.13(a) of the C Co Disclosure
Schedule lists each parcel of real property owned by C Co or any C Co Subsidiary
(the "C Co Owned Real Property"). C Co or a C Co Subsidiary has good, valid and
marketable title to all of the C Co Owned Real Property, in each case free and
clear of all mortgages, pledges, liens, security interests, conditional and
installment sale agreements, encumbrances, charges or other claims of third
parties of any kind, including, without limitation, any easement, right of way
or other encumbrance to title, or any option, right of first refusal, or right
of first offer (collectively, "Liens"), other than (i) Liens for current Taxes
not yet due and payable or for Taxes which are being contested in good for which
adequate reserves have been established, (ii) any materialmen's, mechanics,
workmen's, repairmen's, contractor's, warehousemen's, carrier's, supplier's,
vendor's, or equivalent Liens if payment is not yet due on the underlying
obligation, (iii) Liens, in the case of C Co or any C Co Subsidiary, that are
reflected in the financial statements contained in the SEC Reports, (iv)
statutory or common, law Liens to secure landlords, lessors, or renters under
leases or rental agreements confined to the premises rented, and (v) deposits or
pledges made in connection with, or to secure payment of, worker's compensation,
unemployment insurance, old age pension, or other social security programs
mandated under applicable law (collectively, "Permitted Liens").

            (b) Leased Real Property. Section 3.13(b) of the C Co Disclosure
Schedule lists by address each parcel of real property leased or subleased by C
Co or any C Co Subsidiary (the "C Co Leased Properties"). C Co or a C Co
Subsidiary has a valid leasehold interest in all of the C Co Leased Properties,
in each case free and clear of all Liens, except for Permitted Liens. Each of
the leases and subleases relating to the C Co Leased Properties is in full force
and effect, there is no material default by C Co or any C Co Subsidiary or, to C
Co's knowledge, by the lessor under any such lease or sublease.

            (c) Improvements; Dispositions. The structures, plants,
improvements, systems, and fixtures located on each parcel of C Co Owned Real
Property and, to C Co's knowledge, each parcel of the C Co Leased Properties,
comply in all material respects with all laws, and are in good operating
condition and repair, ordinary wear and tear excepted. Each such parcel of C Co
Owned Real Property and, to C Co's knowledge, each parcel of the C Co Leased
Properties, conforms in all material respects with all covenants or restrictions
of record and conforms with all applicable building codes and zoning
requirements and there is not, to C Co's knowledge, any proposed change in any
such governmental or regulatory requirements or in any such zoning requirements.
None of the C Co Owned Real Property or C Co Leased Properties reflected in the
financial statements in the SEC Reports has been disposed of and no

                                       20



such real property has been acquired by C Co or any C Co Subsidiary since the
date of the most recent financial statements contained in the SEC Reports.

            (d) Personal Property. C Co and each of the C Co Subsidiaries has
good and marketable title to its personal property, free and clear of all Liens,
other than (i) the Permitted Liens, and (ii) those Liens that have arisen in the
ordinary course of business consistent with past practice and that do not
materially impair the ownership or use of such personal property. Such personal
property is in such operating condition and repair as is suitable for the uses
for which it is used in the business of C Co and the C Co Subsidiaries, are not
subject to any condition which materially interferes with the use thereof by C
Co or the C Co Subsidiaries, as the case may be, and constitute all personal
property necessary to permit C Co and the C Co Subsidiaries to carry on their
business after the Effective Time substantially as conducted by C Co and the C
Co Subsidiaries prior thereto.

      SECTION 3.14 INTELLECTUAL PROPERTY.

            (a) For purposes of this Agreement, "C Co Intellectual Property"
shall mean all patents, inventions, copyrights, work subject to copyrights,
software, trademarks, service marks, brand names, logos, domain names, trade
dress, trade secrets, know-how, confidential or proprietary information (and all
applications, registrations, continuations, divisionals, renewals and reissues
relating thereto) and all other intellectual property rights of any kind or
nature arising under U.S. or foreign law and which are owned by, used or held
for use in the business of C Co and the C Co Subsidiaries.

            (b) List of Intellectual Property. Section 3.14 of the C Co
Disclosure Schedule contains a true and complete list of all material U.S. and
foreign registrations and applications for registration of C Co Intellectual
Property.

            (c) Ownership. C Co or the C Co Subsidiaries are the sole and
exclusive owners of all right, title and interest in and to all of the
registered C Co Intellectual Property, and all pending applications filed by C
Co or any C Co Subsidiary therefor, and each of the other copyrights in any
works of authorship prepared by or for C Co or any C Co Subsidiary that resulted
from or arose out of any work performed by or on behalf of C Co or by any
employee, officer, consultant or contractor of any of them. To C Co's knowledge
and except as would not reasonably be expected to have a C Co Material Adverse
Effect, C Co and the C Co Subsidiaries are the sole and exclusive owners of, or
have valid and continuing rights to use, sell or license, as the case may be,
all other C Co Intellectual Property used, sold or licensed by C Co or the C Co
Subsidiaries in their businesses as presently conducted, free and clear of all
Liens, except for Permitted Liens.

            (d) No Misappropriation. To C Co's knowledge, and except as would
not reasonably be expected to have a C Co Material Adverse Effect, the C Co
Intellectual Property does not constitute an unauthorized use or
misappropriation of any patent, copyright, trademark, trade secret or other
equivalent right, of any person, and does not infringe, constitute an
unauthorized use of, or violate any other right of any person. The C Co
Intellectual Property includes all of the material intellectual property rights
necessary to enable C Co and the C Co

                                       21



Subsidiaries to conduct their businesses in the manner in which such businesses
are currently being conducted.

            (e) No Infringement. Neither C Co nor any of the C Co Subsidiaries:
(i) is a party to any Action that involves a claim of infringement or
misappropriation of any patent, copyright or trade secret right by C Co or any C
Co Subsidiary against any third party; (ii) has provided written notice to any
third party alleging infringement or misappropriation of any C Co Intellectual
Property; (iii) is a party to any suit, action or proceeding which involves a
claim of infringement or misappropriation of any C Co Intellectual Property by a
third party against C Co or any C Co Subsidiary; or (iv) except as would not
reasonably be expected to have a C Co Material Adverse Effect, has received any
written notice from any third party alleging infringement or misappropriation of
such third party's patents, copyrights or trade secrets. To C Co's knowledge and
except as would not reasonably be expected to have a C Co Material Adverse
Effect, the manufacturing, marketing, licensing, use or sale of the products or
the performance of the services offered by C Co and the C Co Subsidiaries in the
ordinary course of their respective businesses as presently conducted do not
currently infringe, and have not infringed upon any patent, copyright or trade
secret right of any third party.

            (f) Protection of Trade Secrets. Except as would not reasonably be
expected to have a C Co Material Adverse Effect, no trade secret or any other
non-public, proprietary information material to the business of C Co and the C
Co Subsidiaries as presently conducted has been authorized to be disclosed or,
to C Co's knowledge, has been actually disclosed by C Co or any C Co Subsidiary
to any employee or any third party other than pursuant to a non-disclosure
agreement or employment policy restricting the disclosure and use of such trade
secret or non-public proprietary information. Except as would not reasonably be
expected to have a C Co Material Adverse Effect, C Co and the C Co Subsidiaries
have taken adequate security measures to protect the secrecy and confidentiality
of all trade secrets and any other material confidential information of C Co and
the C Co Subsidiaries which measures are reasonable in the industry in which C
Co and the C Co Subsidiaries operate.

            (g) No Claim of Ownership. C Co and the C Co Subsidiaries have not
received written notice from any current or prior officers, employees, or
contractors of C Co or any C Co Subsidiary claiming any ownership interest in
any C Co Intellectual Property as a result of having been involved in the
development of such property while employed by or performing services for C Co
or any C Co Subsidiary.

            (h) Software. Except as would not reasonably be expected to have a C
Co Material Adverse Effect, C Co's unmodified version of its material software
that is marketed and licensed by C Co and the C Co Subsidiaries to its customers
(the "C Co Software") conforms in all material respects with the documentation
prepared, marketed and licensed by C Co in respect of such C Co Software. Except
as would not reasonably be expected to have a C Co Material Adverse Effect: (i)
there are no defects, malfunctions or nonconformities in the unmodified version
of the C Co Software that cause the unmodified version of the C Co Software, as
properly installed, not to perform the material functions for which they are
intended, on the whole, as provided in C Co's documentation; and (ii) there are
no errors in any documentation, specifications, manuals, and user guides
associated with or used or produced in the development, maintenance or marketing
of the C Co Intellectual Property.

                                       22



      SECTION 3.15 TAXES.

            (a) Payment and Filings. All income, franchise and other material
Tax Returns required to be filed by or with respect to C Co, any C Co Subsidiary
or any Affiliated Group of which C Co or any C Co Subsidiary is or was a member
have been timely filed or caused to be filed (taking into account any extension
of time to file granted or obtained) and any such filed Tax Returns are true,
correct and complete in all material respects. All material amounts of Taxes due
and payable by or with respect to C Co, any C Co Subsidiary, or any Affiliated
Group of which C Co or any C Co Subsidiary is or was a member have been fully
and timely paid, except to the extent that C Co or the appropriate C Co
Subsidiary has set aside adequate reserves in accordance with GAAP on the most
recent balance sheet contained in the SEC Reports. Without taking into account
any transactions contemplated by this Agreement and based upon activities to
date, adequate reserves in accordance with GAAP have been established by C Co
and the C Co Subsidiaries on the most recent balance sheet contained in the SEC
Reports for all Taxes not yet due and payable in respect of taxable periods
ending on or before the date hereof.

            (b) Compliance. C Co and the C Co Subsidiaries have complied in all
material respects with all applicable laws relating to the payment and
withholding of Taxes and have duly and timely withheld from employee salaries,
wages, other compensation, and other amounts and have paid over to the
appropriate taxing authorities all amounts required to be so withheld and paid
over under all applicable laws.

            (c) Returns. C Co has delivered or made available to F Co true and
complete copies of: (i) all federal, state, local, and foreign income and
franchise Tax Returns of C Co and each of the C Co Subsidiaries relating to the
taxable periods since C Co's organization; and (ii) any audit report issued
within the last three years relating to Taxes due from or in respect of C Co or
any of the C Co Subsidiaries.

            (d) No Other Claims. As of the date hereof, to C Co's knowledge,
with respect to C Co and the C Co Subsidiaries, no claim has been made by a
taxing authority in a jurisdiction where C Co or any of the C Co Subsidiaries
does not file a type of Tax Return such that it is or may be subject to that
type of Tax in that jurisdiction.

            (e) Audits and Examinations. As of the date hereof, (i) there are no
pending or, to the knowledge of C Co, threatened audits, examinations,
investigations or other proceedings in respect of any Taxes of C Co or any C Co
Subsidiary with respect to which C Co or such C Co Subsidiary has been notified
in writing; and (ii) neither C Co nor any C Co Subsidiary has waived any statute
of limitations in respect of a material amount of Taxes or agreed to any
extension of time with respect to an assessment or deficiency for a material
amount of Taxes (other than pursuant to extensions of time to file Tax Returns
obtained in the ordinary course).

            (f) No Adjustments. Neither C Co nor any of the C Co Subsidiaries
nor any other person on any of their behalf has: (i) agreed to or is required to
make any adjustments pursuant to Section 481(a) of the Code or any similar
provision of law by reason of a change in accounting method initiated by C Co or
any C Co Subsidiary or has any knowledge that the IRS

                                       23



or any other taxing authority has proposed any such adjustment or change in
accounting method, or has any application pending with any taxing authority
requesting permission for any changes in accounting methods that relate to the
business or operations of C Co or any of the C Co Subsidiaries; or (ii) executed
or entered into a closing agreement pursuant to section 7121 of the Code or any
predecessor provision thereof or any similar provision of law in respect of C Co
or any of the C Co Subsidiaries.

            (g) Tax Sharing. Neither C Co nor any C Co Subsidiary is a party to
any indemnification, allocation or sharing agreement with respect to Taxes that
could give rise to a payment or indemnification obligation (other than
agreements among C Co and the C Co Subsidiaries and other than customary Tax
indemnifications contained in credit or other commercial agreements the primary
purpose of which does not relate to Taxes).

            (h) Deficiencies; Liens. No deficiency for any material amount of
Tax has been asserted or assessed by any Governmental Authority in writing
against C Co or any C Co Subsidiary (or, to the knowledge of C Co, has been
threatened or proposed), except for deficiencies which have been satisfied by
payment, settled or been withdrawn or which are being contested in good faith in
appropriate proceedings and are Taxes for which C Co or the appropriate C Co
Subsidiary has set aside adequate reserves in accordance with GAAP on the most
recent balance sheet contained in the SEC Reports. There are no Liens for Taxes,
other than Permitted Liens, on the assets of C Co or any C Co Subsidiary.

            (i) Share Distributions. All distributions of shares by, or
consisting of shares of, C Co or any of the C Co Subsidiaries purporting to
qualify for tax-free treatment under Section 355 of the Code so qualified. With
respect to each distribution of shares purporting to qualify for tax-free
treatment under Section 355 of the Code, neither C Co nor any of the C Co
Subsidiaries has constituted a "distributing corporation" or a "controlled
corporation" (within the meaning of Section 355(a)(1)(A) of the Code) in a
distribution of shares qualifying for tax-free treatment under Section 355 of
the Code (i) in the two years prior to the date of this Agreement in a
distribution that constitutes part of a "plan" or "series of related
transactions" (within the meaning of Section 355(e) of the Code) in conjunction
with the Merger or any other transaction (whether occurring before or after the
Effective Time) or (ii) in a distribution that could otherwise constitute part
of a "plan" or "series of related transactions" (within the meaning of Section
355(e) of the Code) in conjunction with the Merger.

            (j) Real Property Holding Corporation. C Co has not constituted a
"U.S. real property holding corporation" within the meaning of Section 897(c)(2)
of the Code at any time during the last five years.

            (k) Listed Transactions. Neither C Co nor any C Co Subsidiary is
required to make any disclosure to the IRS with respect to a "listed
transaction" pursuant to Section 1.6011-4(b)(2) of the Treasury Regulations
promulgated under the Code.

            (l) Reorganization. As of the date of this Agreement, neither C Co
nor any C Co Subsidiary has taken or agreed to take any action or knows of any
fact or circumstance that could reasonably be expected to prevent the Merger
from qualifying as a "reorganization" within the meaning of Section 368(a) of
the Code. C Co has reviewed the representation certificate

                                       24



contained in EXHIBIT G-1 and C Co does not know of any fact or circumstance
which could reasonably be expected to prevent C Co from delivering such
representation certificate.

            (m) Definitions. For purposes of this Agreement:

                  (i) "Tax" or "Taxes" shall mean (i) any and all federal,
      state, local and foreign income, gross receipts, payroll, employment,
      excise, stamp, customs duties, capital stock, franchise, profits,
      withholding, social security, unemployment, real property, personal
      property, sales, use, transfer, value added, alternative or add-on
      minimum, estimated, or other taxes (together with interest, penalties and
      additions to tax imposed with respect thereto) imposed by any Governmental
      Authority, and (ii) any liability in respect of any items described in
      clause (i) payable by reason of contract, assumption, transferee
      liability, operation of law, Section 1.1502-6(a) of the Treasury
      Regulations promulgated under the Code (or any predecessor or successor
      thereof or any analogous or similar provision under any state, local or
      foreign law) or otherwise.

                  (ii) "Tax Returns" of a person means returns, declarations,
      claims for refund, or information returns or statements, reports and forms
      relating to Taxes filed or required to be filed with any Governmental
      Authority (including any schedule or attachment thereto) with respect to
      such person, including any amendment thereof.

      SECTION 3.16 ENVIRONMENTAL MATTERS.

            (a) Compliance with Environmental Laws. Except as would not,
individually or in the aggregate, reasonably be expected to have a C Co Material
Adverse Effect: (i) none of C Co or any of the C Co Subsidiaries is in violation
of any Environmental Law or, except for any violation that has been fully
resolved, has violated in the past any Environmental Law; (ii) to the knowledge
of C Co, there is and has been no release of Hazardous Substances that requires
response action under applicable Environmental Law at, on or under any of the
properties currently owned, leased or operated by C Co or any of the C Co
Subsidiaries or, during the period of C Co's or the C Co Subsidiaries'
ownership, lease or operation thereof, formerly owned, leased or operated by C
Co or any of the C Co Subsidiaries, that would reasonably be expected to result
in a liability to C Co or any of the C Co Subsidiaries; (iii) (A) C Co and the C
Co Subsidiaries have obtained and are in compliance with all required
Environmental Permits, (B) C Co and the C Co Subsidiaries, except for any
noncompliance that has been fully resolved, have been in the past in compliance
with such Environmental Permits, and (C) no Action is pending, or to C Co's
knowledge, threatened, to revoke, modify or terminate any such Environmental
Permit; (iv) there are no Actions pending or, to the knowledge of C Co,
threatened against C Co or any of the C Co Subsidiaries alleging violations of
or liability under any Environmental Law or otherwise concerning the release or
management of Hazardous Substances; (v) to C Co's knowledge, no facts,
circumstances, or conditions currently exist that could adversely affect the
continued compliance by C Co and the C Co Subsidiaries with Environmental Laws
and Environmental Permits or require currently unbudgeted capital expenditures
to achieve or maintain such continued compliance with Environmental Laws and
Environmental Permits; (vi) neither C Co nor any of the C Co Subsidiaries is the
subject of any outstanding written order or Contract with any Governmental
Authority or other person in respect of any (A) Environmental Laws, (B) remedial
action relating to Environmental Laws, or

                                       25



(C) the release or threatened release of a Hazardous Material; (vii) there is no
investigation of the business, operations, C Co Owned Real Property or C Co
Leased Properties or any of the C Co Subsidiaries or, to C Co's knowledge,
previously owned, operated, or leased property of C Co or the C Co Subsidiaries
pending or, to C Co's knowledge, threatened that could lead to the imposition of
any costs, liabilities or Liens under any Environmental Law; or (viii) to C Co's
knowledge, there is not located at any of the C Co Owned Real Property or C Co
Leased Properties any (A) underground storage tanks, (B) asbestos-containing
material, or (C) equipment containing polychlorinated biphenyls.

            (b) No Environmental Requirements. The Merger, the Share Issuance,
the Articles Amendment and other transactions contemplated by this Agreement do
not trigger any requirements under any federal, state, local or foreign laws
relating to the environment or natural resources which condition the transfer of
assets, real estate or stock on the approval of or the need to notify a
Governmental Authority having jurisdiction over the environment or natural
resources.

            (c) Definitions. For purposes of this Agreement:

                  (i) "Environmental Laws" means any laws (including common law)
      of the United States federal, state, local, non-United States, or any
      other Governmental Authority, relating to: (A) releases or threatened
      releases of Hazardous Substances or materials containing Hazardous
      Substances; (B) the manufacture, handling, transport, use, treatment,
      storage, emission, discharge or disposal of Hazardous Substances or
      materials containing Hazardous Substances; or (C) pollution or protection
      of the environment or of human health and safety as such is affected by
      Hazardous Substances or materials containing Hazardous Substances.

                  (ii) "Environmental Permits" means any permit, license,
      registration, approval, notification or any other authorization pursuant
      to Environmental Law.

                  (iii) "Hazardous Substances" means: (A) those substances,
      materials or wastes defined as toxic, hazardous, acutely hazardous,
      pollutants or contaminants, in or regulated under the following United
      States federal statutes and any analogous foreign or state statutes, and
      all regulations thereunder: the Hazardous Materials Transportation Act,
      the Resource Conservation and Recovery Act, the Comprehensive
      Environmental Response, Compensation and Liability Act, the Clean Water
      Act, the Safe Drinking Water Act, the Atomic Energy Act, the Federal
      Insecticide, Fungicide, and Rodenticide Act and the Clean Air Act; (B)
      petroleum and petroleum products, including crude oil and any fractions
      thereof; (C) natural gas, synthetic gas, and any mixtures thereof; and (D)
      polychlorinated biphenyls, asbestos, molds that would reasonably be
      expected to have an adverse effect on human health and urea formaldehyde
      foam insulation.

      SECTION 3.17 SPECIFIED C CO CONTRACTS.

            (a) Status of Specified C Co Contracts. Each Specified C Co Contract
is a legal, valid and binding obligation of C Co or a C Co Subsidiary, as
applicable, in full force and effect and enforceable against C Co or a C Co
Subsidiary in accordance with its terms, subject to

                                       26



the effect of any applicable bankruptcy, insolvency (including all laws relating
to fraudulent transfers), reorganization, moratorium or similar laws affecting
creditors' rights generally and subject to the effect of general principles of
equity. To the knowledge of C Co, C Co has not received written notice, and has
no reason to believe, that any Specified C Co Contract is not a legal, valid and
binding obligation of the counterparty thereto, in full force and effect and
enforceable against such counterparty in accordance with its terms. Except as
would not reasonably be expected to have a C Co Material Adverse Effect, neither
C Co nor any of the C Co Subsidiaries is and, to C Co's knowledge, no
counterparty is, in breach or violation of, or default under, any Specified C Co
Contract. None of C Co or any of the C Co Subsidiaries have received any written
claim of default under any Specified C Co Contract. To C Co's knowledge, no
event has occurred which would result in a breach or violation of, or a default
under, any Specified C Co Contract (in each case, with or without notice or
lapse of time or both).

            (b) For purposes of this Agreement, the term "Specified C Co
Contract" means any of the following Contracts (together with all exhibits and
schedules thereto) to which C Co or any C Co Subsidiary is a party or by which C
Co or any C Co Subsidiary or any of their respective properties or assets are
bound or affected as of the date hereof:

                  (i) any limited liability company agreement, joint venture or
      other similar agreement or arrangement relating to the formation,
      creation, operation, management or control of any partnership or joint
      venture that is material to the business of C Co and the C Co
      Subsidiaries, taken as a whole, other than any such limited liability
      company, partnership or joint venture that is a C Co Subsidiary;

                  (ii) any Contract (other than among consolidated C Co
      Subsidiaries) relating to (A) indebtedness for borrowed money and having
      an outstanding principal amount in excess of $5,000,000 or (B) conditional
      sale arrangements, obligations secured by a Lien, or interest rate or
      currency hedging activities, in each case in connection with which the
      aggregate actual or contingent obligations of C Co and the C Co
      Subsidiaries under such Contract are greater than $5,000,000;

                  (iii) any Contract filed or required to be filed as an exhibit
      to C Co's Annual Report on Form 10-K pursuant to Item 601(b)(10) of
      Regulation S-K under the Securities Act or disclosed or required to be
      disclosed by C Co in a Current Report on Form 8-K, other than C Co Plans
      disclosed in Section 3.11(a);

                  (iv) any Contract that purports to limit the right of C Co or
      the C Co Subsidiaries (A) to engage or compete in any line of business or
      (B) to compete with any person or operate in any location, in the case of
      each of (A) and (B), in any respect material to the business of C Co and
      the C Co Subsidiaries, taken as a whole;

                  (v) any Contract that (A) contains most favored customer
      pricing provisions (other than Contracts entered into in the ordinary
      course of business consistent with past practice) or (B) grants any
      exclusive rights, rights of first refusal, rights of first negotiation or
      similar rights to any person, in each case under this clause (B) in a
      manner which is material to the business of C Co and the C Co
      Subsidiaries, taken as a whole;

                                       27



                  (vi) any Contract entered into after January 1, 2005 or not
      yet consummated for the acquisition or disposition, directly or indirectly
      (by merger or otherwise), of assets or capital stock or other equity
      interests of another person for aggregate consideration under such
      Contract in excess of $15,000,000;

                  (vii) any Contract which by its terms calls for aggregate
      payments by C Co and the C Co Subsidiaries under such Contract of more
      than $5,000,000 over the remaining term of such Contract;

                  (viii) any Contract of the type specified in Section 5.01(n)
      or between or among C Co or a C Co Subsidiary, on the one hand, and any of
      their respective affiliates (other than C Co or any C Co Subsidiary), on
      the other hand, that involves amounts of more than $60,000;

                  (ix) any acquisition, disposition or similar Contract pursuant
      to which C Co or any of the C Co Subsidiaries has continuing
      indemnification, "earn-out" or other contingent payment obligations, in
      each case, that would reasonably be expected to result in payments in
      excess of $5,000,000;

                  (x) any Contract with any labor union or association
      representing any employee of C Co or any of the C Co Subsidiaries;

                  (xi) any Contract granting any registration or similar right
      in respect of securities of C Co or any of the C Co Subsidiaries; and

                  (xii) any Contract required to be identified in Section
      3.11(a) or 3.13(b) of the C Co Disclosure Schedule.

A true and complete list of the Specified C Co Contracts as of the date hereof
is set forth in Section 3.17(b) of the C Co Disclosure Schedule, except for
Specified C Co Contracts filed prior to the date hereof as exhibits to SEC
Reports.

      SECTION 3.18 INSURANCE. Section 3.18 of the C Co Disclosure Schedule sets
forth a complete and correct list of all material insurance policies owned or
held by C Co and each C Co Subsidiary. With respect to each such insurance
policy: (i) the policy is legal, valid, binding and enforceable in accordance
with its terms and, except for policies that have expired under their terms in
the ordinary course, is in full force and effect; (ii) neither C Co nor any C Co
Subsidiary is in material breach or default (including any such breach or
default with respect to the payment of premiums or the giving of notice), and,
to C Co's knowledge, no event has occurred which, with notice or the lapse of
time, would constitute such a breach or default, or permit termination or
modification, under the policy; (iii) to the knowledge of C Co, no insurer on
the policy has been declared insolvent or placed in receivership,
conservatorship or liquidation; and (iv) to the knowledge of C Co, no notice of
cancellation or termination has been received other than in connection with
ordinary renewals. The coverage under the insurance policies set forth on
Section 3.18 of the C Co Disclosure Schedule is (subject to reasonable
deductibles) sufficient to provide adequate insurance coverage for all of the
assets and properties of C Co and the C Co Subsidiaries for all material risks
in compliance with all applicable law

                                       28



and C Co Permits. There are no pending claims against any such insurance policy
as to which the insurers have denied liability.

      SECTION 3.19 MATERIAL CUSTOMERS.

            (a) Relations with Material Customers. The ten largest (by revenue)
customers of C Co and the C Co Subsidiaries, and annual revenues related to such
customers for each of: (i) the fiscal year ended December 31, 2004 and (ii) the
period from January 1, 2005 through the date hereof, are listed by division of C
Co on Section 3.19(a) of the C Co Disclosure Schedule (the "C Co Material
Customers"). No Material C Co Customer has given C Co or any of the C Co
Subsidiaries any written notice terminating, suspending, or reducing in any
material respect, or specifying an intention to terminate, suspend, or reduce in
any material respect in the future, or otherwise reflecting an adverse charge
in, the business relationship between such customer and C Co or the C Co
Subsidiaries, and, to C Co's knowledge, there has not been any materially
adverse change in the business relationship of C Co or the C Co Subsidiaries
with any such customer.

            (b) Former Customers. Section 3.19(b) of the C Co Disclosure
Schedule sets forth the names and annual revenues for each of (i) the fiscal
year ended December 31, 2004 and (ii) the period from January 1, 2005 through
the date hereof, of the C Co Material Customers which have cancelled or
terminated their relationships with C Co during the twelve months prior to the
date of this Agreement.

      SECTION 3.20 AFFILIATE TRANSACTIONS. Except for arrangements between C Co
the C Co Subsidiaries which do not involve payments by any party of more than
$50,000 annually in the aggregate and which do not restrict the ability of C Co
and the C Co Subsidiaries to engage in any line of business in any geographic
area, no shareholder, officer, or director of C Co or any of the C Co
Subsidiaries, or to C Co's knowledge, any member of his or her immediate family,
or any person controlled by any of the foregoing persons (collectively, "C Co
Related Persons") (i) owes any amount to C Co or any of the C Co Subsidiaries
nor do C Co or any of the C Co Subsidiaries owe any amount (other than
employment compensation or benefits), or has it committed to make any loan or
extend or guarantee credit to or for the benefit of, any C Co Related Person,
(ii) has made any claim or cause of action or any action, suit, or proceeding
whatsoever against C Co or any of the C Co Subsidiaries, (iii) to C Co's
knowledge, (other than through stock ownership in a public company) has any
direct or indirect ownership interest in, or is an officer, director, employee,
consultant, or agent of, any person that has a business relationship with C Co
(or any of the C Co Subsidiaries) or that competes with C Co or any of the C Co
Subsidiaries, or (iv) owns, directly or indirectly, in whole or in part, any
real property, leasehold interests, or other property or any Permits, the use of
which is necessary for the conduct of the business of C Co or the C Co
Subsidiaries as currently conducted and as proposed to be conducted. To C Co's
knowledge, no C Co Related Person has any direct or indirect (other than through
stock ownership in a public company) interest in any Contract to which C Co or
the C Co Subsidiaries is a party or by which it is bound.

      SECTION 3.21 ADOPTION BY BOARD. The C Co Board, by resolutions duly
adopted at a meeting duly called and held, has duly (i) determined that this
Agreement, the Merger, the Share Issuance and the Articles Amendment are fair to
and in the best interests of

                                       29



C Co and its shareholders, (ii) adopted this Agreement, and (iii) recommended
that the shareholders of C Co approve this Agreement, the Merger, the Share
Issuance and the Articles Amendment (collectively, the "C Co Board
Recommendation") and directed that this Agreement, the Share Issuance and the
Articles Amendment be submitted for approval of C Co's shareholders at the C Co
Shareholders' Meeting (collectively, the "C Co Proposal").

      SECTION 3.22 C CO RIGHTS AGREEMENT. Prior to the date of this Agreement, C
Co has amended the C Co Rights Agreement so that (a) neither the execution,
delivery or performance of this Agreement nor the consummation of the
transactions contemplated hereby will (i) cause the Rights (as defined in the C
Co Rights Agreement) to become exercisable, (ii) cause F Co or any of its
Affiliates or Associates (each as defined in the C Co Rights Agreement) to
become an Acquiring Person (as defined in the C Co Rights Agreement) or (iii)
give rise to a Distribution Date or Share Acquisition Date (each as defined in
the C Co Rights Agreement), and (b) the Rights will expire in their entirety
immediately prior to the Effective Time without any payment being made in
respect thereof. C Co has made available to F Co a complete and correct copy of
such amendment.

      SECTION 3.23 OPINIONS OF FINANCIAL ADVISORS. C Co has received the
opinions of each of Citigroup Global Markets, Inc. and Deutsche Bank Securities
Inc. to the effect that, as of the date of the opinion and subject to the
matters referred to therein, the Exchange Ratio and payment of the Special
Dividend under this Agreement are fair to the shareholders of C Co from a
financial point of view.

      SECTION 3.24 BROKERS. No broker, finder or investment banker other than
Citigroup Global Markets, Inc. and Deutsche Bank Securities Inc. is entitled to
any brokerage, finder's or other fee or commission in connection with the
transactions contemplated hereby based upon arrangements made by or on behalf of
C Co.

                                   ARTICLE IV
                        REPRESENTATIONS AND WARRANTIES OF
                                      F CO

      Except as set forth in the disclosure schedule delivered by F Co to C Co
concurrently with the execution and delivery of this Agreement (the "F Co
Disclosure Schedule"), F Co hereby represents and warrants to C Co as follows:

      SECTION 4.01 ORGANIZATION AND QUALIFICATION; F CO SUBSIDIARIES.

            (a) Organization and Qualification. F Co and each subsidiary of F Co
(each, a "F Co Subsidiary") is a corporation, limited partnership, limited
liability company or other legal entity duly organized, validly existing and in
good standing under the laws of the jurisdiction of its organization (except, in
the case of good standing, for legal entities organized under the laws of any
jurisdiction that does not recognize such concept). F Co and each F Co
Subsidiary has the requisite corporate or entity power and authority to own,
lease, or otherwise hold the assets and properties owned, leased, or otherwise
held by it and necessary to carry on its business as presently conducted. F Co
and each F Co Subsidiary is in good standing and is duly qualified to conduct
business in each jurisdiction in which the nature of its business or the
ownership of

                                       30



property make such qualification necessary, except where the failure to be so
qualified would not reasonably be expected to have a F Co Material Adverse
Effect.

            (b) List of F Co Subsidiaries. A true and complete list of all F Co
Subsidiaries, together with the jurisdiction of organization of each F Co
Subsidiary and the percentage of the outstanding capital stock (or other equity
interest) of each F Co Subsidiary owned by F Co, each other F Co Subsidiary and
any other person, is set forth in Section 4.01(b) of the F Co Disclosure
Schedule. F Co does not, directly or indirectly, own any capital stock (or other
equity interest) of any person other than F Co Subsidiaries set forth on Section
4.01(b) of the F Co Disclosure Schedule. F Co is not a direct or indirect
participant in any material joint venture or other equivalent arrangement.

            (c) Investments. Section 4.01(c) of the F Co Disclosure Schedule
lists any and all persons of which F Co directly or indirectly owns an equity or
similar interest, or an interest convertible into or exchangeable or exercisable
for an equity or similar interest, of less than 50% (collectively, the "F Co
Investments"). F Co or a F Co Subsidiary, as the case may be, owns all F Co
Investments free and clear of all Liens, and there are no outstanding
contractual obligations of F Co or any F Co Subsidiary permitting the
repurchase, redemption or other acquisition of any of its interest in F Co
Investments or requiring F Co or any F Co Subsidiary to provide funds to, make
any investment (in the form of a loan, capital contribution or otherwise) in,
provide any guarantee with respect to, or assume, endorse or otherwise become
responsible for the obligations of, any F Co Investment.

            (d) The term "F Co Material Adverse Effect" means any change,
circumstance, effect, event or occurrence that (i) would be materially adverse
to the assets, liabilities, business, financial condition or results of
operations of F Co and F Co Subsidiaries taken as a whole, other than any
change, circumstance, effect, event or occurrence resulting from (A) changes in
general economic conditions affecting the United States, (B) general changes or
developments in the F Co Industries, (C) the announcement of this Agreement and
the transactions contemplated hereby, including any termination of, reduction in
or similar negative impact on relationships, contractual or otherwise, with any
customers, suppliers, distributors, partners or employees of F Co and F Co
Subsidiaries to the extent due to the announcement and performance of this
Agreement or the identity of the parties to this Agreement, or the performance
of this Agreement and the transactions contemplated hereby, including compliance
with the covenants set forth herein, unless, in the case of the foregoing
clauses (A) and (B), such changes referred to therein have a materially
disproportionate effect on F Co and F Co Subsidiaries taken as a whole relative
to other participants in the F Co Industries, or (ii) would have a material
adverse effect on the ability of F Co to perform its obligations hereunder or
under any Ancillary Agreements to which it is or will become a party, or to
consummate the transactions contemplated hereby or thereunder on a timely basis.
For purposes of this Section 4.01(d), "F Co Industries" shall mean retail bank
core processing systems, customer channel-solutions (online-retail and
commercial, ATM, branch, teller and call center), consumer lending and servicing
systems, including mortgage loan origination and servicing systems and data
center outsourcing services to credit unions, community banks, thrifts, data
centers, banks and other financial institutions, title insurance and closing
services and providing real estate tax, credit, flood, default and appraisal
services and multiple listing software and services to financial institutions
and loan servicers.

                                       31



      SECTION 4.02 CERTIFICATE OF INCORPORATION AND BYLAWS. F Co has made
available to C Co a complete and correct copy of the Certificate of
Incorporation and the Bylaws (or comparable organizational documents), each as
amended to date, of F Co and each F Co Subsidiary. Such Certificate of
Incorporation and Bylaws (or comparable organizational documents) are in full
force and effect. Neither F Co nor any F Co Subsidiary is, nor has been, in
violation of any of the provisions of its Certificate of Incorporation or Bylaws
(or comparable organizational documents). F Co has made available to C Co
complete and correct copies of the minutes of all meetings of F Co Board (and
each committee thereof), other than the portion of any minutes regarding the
deliberations of F Co Board (or any committee thereof) in connection with
entering into this Agreement.

      SECTION 4.03 CAPITALIZATION.

            (a) F Co Capitalization. The authorized capital stock of F Co
consists of 400,000,000 shares of F Co Common Stock. As of August 31 2005, (i)
200,000,000 shares of F Co Common Stock are issued and outstanding (excluding
shares of F Co Common Stock held in the treasury of F Co), all of which are duly
authorized, validly issued, fully paid and nonassessable and were issued free of
preemptive (or similar) rights; (ii) no shares of F Co Common Stock are held in
the treasury of F Co, (iii) no shares of F Co Common Stock are held by F Co
Subsidiaries, and (iv) 16,216,216 shares of F Co Common Stock are reserved for
future issuance in connection with the F Co 2005 Stock Incentive Plan (the "F Co
Stock Option Plan") (including shares reserved for issuance pursuant to
outstanding options granted pursuant to the F Co Stock Option Plan ("F Co Stock
Options")). Since August 31, 2005 through the date of this Agreement, other than
in connection with the issuance of shares of F Co Common Stock pursuant to the
exercise of F Co Stock Options outstanding as of August 31, 2005, there has been
no change in the number of shares of outstanding capital stock of F Co or the
number of outstanding F Co Stock Options. Section 4.03(a)(i) of the F Co
Disclosure Schedule sets forth, as of August 31, 2005, the number of shares of F
Co Common Stock issuable upon exercise of outstanding F Co Stock Options granted
under F Co Stock Option Plan. As of such date, there were no outstanding
restricted stock unit awards or other equity awards under the F Co Stock Option
Plan, except outstanding F Co Stock Options. F Co has provided to C Co a
complete and correct list setting forth each F Co Stock Option outstanding as of
August 31, 2005, the number of shares of F Co Common Stock issuable thereunder,
the expiration date and the exercise price thereof. As of the date hereof, the
outstanding shares of F Co Common Stock are held of record by the persons, with
the addresses of record and in the amounts, as set forth on Section 4.03(a)(iii)
of the F Co Disclosure Schedule.

            (b) Other Rights. Except as set forth in Section 4.03(a), there are
no (i) subscriptions, calls, contracts, options, warrants or other rights,
agreements, arrangements, understandings, restrictions or commitments of any
character to which F Co or any F Co Subsidiary is a party or by which F Co or
any F Co Subsidiary is bound relating to the issued or unissued capital stock of
F Co or any F Co Subsidiary or obligating F Co or any F Co Subsidiary to issue
or sell any shares of capital stock of, other equity interests in or debt
securities of, F Co or any F Co Subsidiary, (ii) debt or equity securities of F
Co or any F Co Subsidiary convertible, exchangeable or exercisable for shares of
capital stock or voting securities of F Co or any F Co Subsidiary (or any other
securities, which, whether after notice, lapse of time, or payment of monies,
are or would be convertible into or exchangeable or exercisable for capital
stock or

                                       32



voting securities of F Co or any F Co Subsidiary), or (iii) equity equivalents,
stock appreciation rights, phantom stock, ownership interests in F Co or any F
Co Subsidiary or similar rights. There are no outstanding contractual
obligations of F Co or any F Co Subsidiary to repurchase, redeem or otherwise
acquire any outstanding securities of F Co or any F Co Subsidiary, to vote or to
dispose of any shares of F Co Common Stock or any capital stock of any F Co
Subsidiary or to make any investment (in the form of a loan, capital
contribution or otherwise) in, any F Co Subsidiary or any other person. None of
F Co or any F Co Subsidiary is a party to any stockholders' agreement, voting
trust agreement or registration rights agreement relating to any equity
securities of F Co or any F Co Subsidiary or any other Contract relating to
disposition, voting or dividends with respect to any equity securities of F Co
or of any F Co Subsidiary (other than the No-Shop Agreement and the Shareholders
Agreement). No dividends on F Co Common Stock have been declared or have accrued
from December 31, 2004 through the date hereof. All of the outstanding shares of
F Co Common Stock have been issued by F Co in compliance with applicable federal
and state securities laws.

            (c) Validity of Certain Prior Issuances. Each outstanding share of
capital stock (or other equity interest) of each F Co Subsidiary is duly
authorized, validly issued, fully paid and nonassessable and was issued free of
preemptive (or similar) rights, and each such share is owned by F Co or another
F Co Subsidiary, free and clear of all options, rights of first refusal,
agreements, limitations on F Co's or any F Co Subsidiary's voting, dividend or
transfer rights, charges and other encumbrances or Liens of any nature
whatsoever.

      SECTION 4.04 AUTHORITY RELATIVE TO THIS AGREEMENT. F Co has all necessary
corporate power and authority to execute and deliver this Agreement and each
Ancillary Agreement to which it is or will become a party, to perform its
obligations hereunder and thereunder and to consummate the Merger and the Other
Transactions. The execution, delivery and performance of this Agreement and each
Ancillary Agreement to which it is or will become a party by F Co, and the
consummation by F Co of the Merger and the Other Transactions have been duly and
validly authorized by all necessary corporate action on the part of F Co and no
other corporate proceedings on the part of F Co are or will be necessary to
authorize this Agreement or to consummate the Merger and the Other Transactions
(other than the adoption of this Agreement by the stockholders of F Co and the
filing and recordation of the Certificate of Merger, in each case as required by
the provisions of the DGCL and the DLLCA). Except for the adoption of this
Agreement by the stockholders of F Co in accordance with the provisions of the
DGCL, the affirmative vote or consent of the holders of any class or series of
capital stock or other securities of F Co, or any of them, is not necessary to
approve any agreement or instrument contemplated hereby or by any of the Other
Transactions other than this Agreement or to consummate any of the Other
Transactions contemplated hereby or thereby. This Agreement has been duly and
validly executed and delivered by F Co and assuming the due authorization,
execution and delivery by C Co, constitutes a legal, valid and binding
obligation of F Co, enforceable against it in accordance with its terms, subject
to the effect of any applicable bankruptcy, insolvency (including all laws
relating to fraudulent transfers), reorganization, moratorium or similar laws
affecting creditors' rights generally and subject to the effect of general
principles of equity. Each other Ancillary Agreement to which F Co will be a
party (the "F Co Closing Documents"), upon execution and delivery by F Co,, will
constitute a legal, valid and binding obligation of F Co, enforceable against it
in accordance with its terms, subject to the effect of any applicable
bankruptcy, insolvency (including all laws relating to fraudulent

                                       33



transfers), reorganization, moratorium or similar laws affecting creditors'
rights generally and subject to the effect of general principles of equity.

      SECTION 4.05 NO CONFLICT; REQUIRED FILINGS AND CONSENTS.

            (a) No Conflict. The execution and delivery of this Agreement by F
Co do not, and the execution and delivery of the F Co Closing Documents by F Co,
the performance of this Agreement by F Co, the performance of the F Co Closing
Documents by F Co, and the consummation by F Co of the Merger, the Share
Issuance and the Other Transactions will not, (i) conflict with, violate or
result in a breach of the Certificate of Incorporation or Bylaws (or comparable
organizational documents) of F Co or any F Co Subsidiary, (ii) assuming that all
consents, approvals and other authorizations described in Section 4.05(b) (other
than clause (vii) thereof) have been obtained and that all filings and other
actions described in Section 4.05(b) (other than clause (vii) thereof) have been
made or taken, conflict with or violate any law applicable to F Co or any F Co
Subsidiary or by which any property or asset of F Co or any F Co Subsidiary is
bound or affected, or (iii) result in any breach or violation of or constitute a
default (or an event which, with notice or lapse of time or both, would become a
default) under, require consent or result in a loss of a benefit under, give
rise to an obligation under, give to others any right of termination, amendment,
acceleration or cancellation of, or result in the creation of a Lien on any
property or asset of F Co or any F Co Subsidiary pursuant to, any Contract to
which F Co or any F Co Subsidiary is a party or by which F Co or any F Co
Subsidiary or any property or asset of F Co or any F Co Subsidiary is bound or
affected, except, with respect to clauses (ii) and (iii), for any such
conflicts, violations, breaches, defaults or other occurrences which would not,
individually or in the aggregate, reasonably be expected to have a F Co Material
Adverse Effect.

            (b) Consents and Approvals. The execution and delivery of this
Agreement by F Co do not, and the performance of this Agreement by F Co and the
consummation by F Co of the Merger and the Other Transactions will not, require
any consent, approval, authorization or permit of, or filing with or
notification to, any Governmental Authority, except for (i) applicable
requirements of the Exchange Act, (ii) the pre-merger notification requirements
of the HSR Act and the competition or merger control laws of any other
applicable jurisdiction, (iii) the filing with the SEC of the Proxy Statement,
(iv) the filing and recordation of appropriate merger documents as required by
the DGCL and appropriate documents with the relevant authorities of other states
in which F Co or any F Co Subsidiary is qualified to do business, (v) if
required, the filing of a Form D with the SEC and any applicable state
securities regulatory authorities, (vi) the consents, notices and approvals set
forth on Section 4.05(b) of the F Co Disclosure Schedule, and (vii) any such
consents, approvals, authorizations, permits, notifications or filings the
failure of which to obtain or make would not, individually or in the aggregate,
reasonably be expected to have a F Co Material Adverse Effect. F Co received and
provided to C Co a true and correct copy of a letter agreement with certain
banks regarding financing dated as of the date hereof (the "Bank Letter
Agreement"). As of the date of this Agreement, the Bank Letter Agreement has not
been rescinded or amended in any manner and remains in full force and effect. F
Co is not aware of any facts or circumstances that create a reasonable basis for
F Co to believe that it cannot consummate a Bank Letter Financing.

                                       34



      SECTION 4.06 PERMITS; COMPLIANCE; REGULATORY MATTERS.

            (a) Permits. Each of F Co and each F Co Subsidiary has all
franchises, grants, authorizations, licenses, permits, easements, variances,
exceptions, consents, certificates, approvals and orders of any Governmental
Authority necessary for each such entity to own, lease and operate its
properties or to carry on its business as it is now being conducted (the "F Co
Permits"), except for any such F Co Permit the failure of which to have, or the
suspension or cancellation of which would not, individually or in the aggregate,
reasonably be expected to have a F Co Material Adverse Effect. Neither F Co nor
any F Co Subsidiary has received any written notification from any Governmental
Authority threatening to revoke any such person's F Co Permit. To F Co's
knowledge, all such F Co Permits are renewable by their respective terms in the
ordinary course of business without the need to comply with any special
qualification procedures or to pay any amounts other than routine filing fees.
The consummation of the Merger, in and of itself will not cause the revocation
or cancellation of any F Co Permits other than any F Co Permit the revocation or
cancellation of which would not, individually or in the aggregate, reasonably be
expected to have a F Co Material Adverse Effect.

            (b) Regulatory Approvals. As of the date of this Agreement, to F
Co's knowledge, there is no reason why (i) all regulatory approvals from any
Governmental Authority required for the consummation of the Merger, the Share
Issuance, the Articles Amendment and the Other Transactions should not be
obtained on a timely basis or (ii) any condition to the consummation of the
Merger, the Share Issuance, the Articles Amendment and the Other Transactions
set forth in Sections 7.01 and 7.02 should not be satisfied on a timely basis.

            (c) Compliance with Law. Each of F Co and each F Co Subsidiary is in
material compliance with any law or Operating Rule applicable to such entity or
by which any property or asset of such entity is bound or affected, is not
currently in material violation of any such law or Operating Rule, and there
have been no notices or orders of noncompliance issued to F Co or any F Co
Subsidiaries under or in respect of any such laws or Operating Rules. Neither F
Co nor any F Co Subsidiary has received any written notice from a Governmental
Authority alleging that the Company or any Subsidiary has failed to comply (i)
in any respect with any applicable laws or Operating Rules relating to the
security of consumer information or (ii) in any material respect with any
applicable laws or Operating Rules relating to consumer protection and/or
consumer financial services in either case, other than such notices received in
the ordinary course of its business.

            (d) Data Security. To F Co's knowledge, there are no facts of
circumstances that would require F Co or any F Co Subsidiary to give notice to
any customers, consumers or other similarly situated individuals, pursuant to
California Civil Code Section 1798.82 or any similar law, of any actual or
perceived data security breaches, except for such notices given in the ordinary
course of its business or the failure of which to provide would not,
individually or in the aggregate, reasonably be expected to have a F Co Material
Adverse Effect.

            (e) Internal Controls. F Co has established and maintains a system
of internal accounting controls that is designed to ensure the accurate
recording, processing, summarizing, and reporting of financial information. F Co
has not received any material complaint, allegation, assertion or claim in
writing regarding the accounting practices, procedures, methodologies or

                                       35



methods of F Co or its internal accounting controls, including any such
complaint, allegation assertion or claim that F Co has engaged in questionable
accounting practices. F Co is not aware of any significant deficiencies or
material weaknesses in the design or operation of its internal accounting
controls which are reasonably likely to adversely affect F Co's ability to
record, process, summarize and report financial information. F Co is not aware
of any material fraud or allegations of fraud that involves senior management or
other employees who have a significant role in internal controls.

      SECTION 4.07 SEC FILINGS; FINANCIAL STATEMENTS; UNDISCLOSED LIABILITIES.

            (a) No SEC Filings. Neither F Co nor any F Co Subsidiary is required
to file any form, report or other document with the SEC.

            (b) Financial Statements. F Co has provided to C Co: (i) the audited
combined balance sheets of F Co and F Co Subsidiaries as of December 31, 2004
and 2003 and the related audited combined statements of earnings, equity and
comprehensive earnings and cash flows for each of the years ended December 31,
2004, 2003 and 2002 (the "Annual Combined Financial Statements"), together with
the notes thereto, and (ii) the unaudited combined balance sheet of F Co and F
Co Subsidiaries as at June 30, 2005 (the "Interim Balance Sheet"), and the
related combined statements of earnings and cash flows, for the three months
then ended (the "Unaudited Financial Statements"). The Unaudited Financial
Statements, together with the Annual Combined Financial Statements are referred
to as the "F Co Financial Statements". The F Co Financial Statements have been
prepared in accordance with GAAP, and fairly present, in all material respects,
the combined financial condition, assets and liabilities, results of operations
and cash flows of F Co and F Co Subsidiaries as of the dates, and for the
periods, indicated therein, subject in the case of the Unaudited Financial
Statements to lack of footnotes and a statement of changes in equity and
comprehensive earnings and normal year end adjustments that will not be
material. Since December 31, 2004, there has not been any change of F Co's
accounting principles, methods, or policies except as required by GAAP or as
would not reasonably be expected to have a F Co Material Adverse Effect. All of
F Co Subsidiaries are consolidated for accounting purposes.

            (c) No Undisclosed Liabilities. Neither F Co nor any of F Co
Subsidiaries has any liabilities of a nature required by GAAP to be reflected in
a consolidated balance sheet or the notes thereto, except liabilities that (i)
are accrued or reserved against in the F Co Financial Statements or are
reflected in the notes thereto, (ii) were incurred in the ordinary course of
business since December 31, 2004 or otherwise in accordance with Section 5.02,
(iii) are incurred pursuant to the transactions contemplated by this Agreement,
(iv) have been discharged or paid in full prior to the date of this Agreement in
the ordinary course of business or (v) as would not reasonably be expected to
have, individually or in the aggregate, a F Co Material Adverse Effect.

      SECTION 4.08 INFORMATION SUPPLIED. None of the information supplied by F
Co for inclusion or incorporation by reference in the Proxy Statement or the
Other Filings will, in the case of the Proxy Statement, at the date it is first
mailed to C Co's shareholders or at the time of the C Co Shareholders' Meeting
or at the time of any amendment or supplement thereof, or, in the case of any
Other Filing, at the date it is first mailed to C Co's shareholders or, at the
date it

                                       36



is first filed with the SEC, contain any untrue statement of a material fact or
omit to state any material fact required to be stated therein or necessary in
order to make the statements therein, in light of the circumstances under which
they are made, not misleading. No representation is made by F Co with respect to
statements made or incorporated by reference therein based on information
supplied by C Co in connection with the preparation of the Proxy Statement or
the Other Filings for inclusion or incorporation by reference therein. All Other
Filings that are filed by F Co will comply as to form in all material respects
with the requirements of the Exchange Act and the rules and regulations
promulgated thereunder.

      SECTION 4.09 ABSENCE OF CERTAIN CHANGES OR EVENTS. Since December 31,
2004, there has not been any F Co Material Adverse Effect. Since December 31,
2004 and prior to the date hereof, except as set forth in the F Co Financial
Statements or as expressly contemplated by this Agreement, (a) F Co and F Co
Subsidiaries have conducted their businesses only in the ordinary course of
business and in a manner consistent with past practice, (b) neither F Co nor any
F Co Subsidiary has terminated or suffered any material amendment of any
Specified F Co Contract that has or would reasonably be expected to have an F Co
Material Adverse Effect, (c) other than in the ordinary course of business
consistent with past practice, neither F Co nor any F Co Subsidiary has
increased the salaries or other compensation of, or made any advance or loan to,
any of its current or former directors or executive officers or made any
increase in, or any addition to, other benefits to which any of its current or
former directors or executive officers may be entitled, and (d) neither F Co nor
any F Co Subsidiary has: (i) suffered any damage, destruction or loss
(regardless of whether covered by insurance), other than in the ordinary course
of business, that has had or would reasonably be expected to have a F Co
Material Adverse Effect; or (ii) taken any action that would be prohibited by
clauses (a) through (r) of Section 5.02 if taken after the date hereof.

      SECTION 4.10 ABSENCE OF LITIGATION. There is no Action pending or, to the
knowledge of F Co, threatened against F Co or any F Co Subsidiary, or any
property or asset of F Co or any F Co Subsidiary, before any Governmental
Authority or arbitrator (a) that questions the validity of this Agreement or any
other Transaction Document, the performance by F Co of the obligations to be
performed by it hereunder or thereunder or the consummation of the transactions
contemplated hereby or thereby, or (b) except as would not reasonably be
expected to have a F Co Material Adverse Effect. As of the date of this
Agreement, no executive officer or director of F Co is a defendant in any Action
in connection with his status as an executive officer or director of F Co or any
F Co Subsidiary. Neither F Co nor any F Co Subsidiary nor any property or asset
of F Co or any F Co Subsidiary is subject to any continuing order of, consent
decree, settlement agreement or other similar written agreement with, or, to the
knowledge of F Co, continuing investigation by, any Governmental Authority, or
any order, writ, judgment, injunction, decree, determination or award of any
Governmental Authority.

      SECTION 4.11 EMPLOYEE BENEFIT PLANS.

            (a) Benefit Plans. Section 4.11(a) of the F Co Disclosure Schedule
lists: (i) all employee benefit plans (as defined in Section 3(3) of ERISA) and
all bonus, stock option, stock purchase, restricted stock, incentive, deferred
compensation, retiree medical or life insurance, supplemental retirement,
severance or other benefit plans, programs or arrangements; and (ii) all
material employment, termination, severance or other contracts, agreements or

                                       37



commitments to which F Co or any F Co Subsidiary is a party, with respect to
which F Co or any F Co Subsidiary has or may reasonably be expected to have any
obligation or which are maintained, contributed to or sponsored by F Co or any F
Co Subsidiary for the benefit of any current or former employee, consultant,
officer or director of F Co or any F Co Subsidiary (collectively, the "F Co
Plans"). Section 4.11(a) of the F Co Disclosure Schedule separately lists each F
Co Plan sponsored by F Co (collectively, the "F Co Separate Plans"). F Co has
made available to C Co a complete and correct copy (where applicable) of (u)
each F Co Plan (or, where a F Co Plan has not been reduced to writing, a summary
of all material terms of such F Co Plan), (v) each trust or funding arrangement
prepared in connection with each such F Co Plan, (w) the most recently filed
annual report on IRS Form 5500, (x) the most recently received IRS determination
letter for each such F Co Plan, (y) the most recently prepared actuarial report
and financial statement in connection with each such F Co Plan, and (z) the most
recent summary plan description, any summaries of material modification, any
employee handbooks, and any material written communications (or a description of
any material oral communications) by F Co or F Co Subsidiaries to any current or
former employees, consultants, or directors of F Co or any F Co Subsidiary
concerning the extent of the benefits provided under a F Co Plan.

            (b) Pension Plans; Multiemployer Plans. Except as set forth on
Section 4.11(b) of the F Co Disclosure Schedule, none of F Co or any F Co
Subsidiary or any other person that, together with F Co or any F Co Subsidiary,
is or was treated as a single employer under Section 414(b), (c), (m) or (o) of
the Code (each, together with F Co and any F Co Subsidiary, a "F Co ERISA
Affiliate"), has now or at any time within the past three years (and in the case
of any such other person, only during the period within the past three years
that such other person was a F Co ERISA Affiliate) contributed to, sponsored, or
maintained (i) a pension plan (within the meaning of Section 3(2) of ERISA)
subject to Section 412 of the Code or Title IV of ERISA; (ii) a Multiemployer
Plan; or (iii) a Multiple Employer Plan for which a F Co ERISA Affiliate would
reasonably be expected to incur liability under Section 4063 or 4064 of ERISA.

            (c) Change in Control Agreements. Section 4.11(c) of the F Co
Disclosure Schedule lists each F Co plan (each agreement thereon being referred
to as a "F Co Change in Control Agreement") that would reasonably be expected to
result in the payment to any present or former employee, director or consultant
of F Co or any F Co Subsidiary of any money or other property or accelerate or
provide any other rights or benefits to any current or former employee, director
or consultant of F Co or any F Co Subsidiary as a result of the consummation of
the Merger, the Share Issuance, the Articles Amendment or any other transaction
contemplated by this Agreement (whether alone or in connection with any other
event). No payment or benefit which will or may be made by F Co or any F Co
Subsidiaries with respect to any other "disqualified individual" will be
characterized as a "parachute payment," within the meaning of Code Section
280G(B)(2). In the event that the execution and delivery of this Agreement or
the consummation of the transactions contemplated hereby (either alone or upon
the occurrence of any additional or subsequent events) results or could result
in any payment or benefit which will be characterized as a "parachute payment,"
Section 4.11(c) of the F Co Disclosure Schedule shall list all persons who F Co
reasonably believes are, with respect to F Co or any of the F Co Subsidiaries,
"disqualified individuals" as determined as of the date hereof.

                                       38



            (d) Qualified Plans. Each F Co Plan that is intended to be qualified
under Section 401(a) of the Code has received a favorable determination letter
from the IRS that F Co Plan is so qualified, and, to the knowledge of F Co, no
fact or circumstance exists that would reasonably be expected to result in the
revocation of such letter.

            (e) Compliance. Each F Co Plan has been established and administered
in accordance with its terms, and in compliance with the applicable provisions
of ERISA, the Code and other applicable laws, except to the extent such
noncompliance, individually or in the aggregate, would not, individually or in
the aggregate, reasonably be expected to have a F Co Material Adverse Effect.
All amendments and actions required to bring each of F Co Plans into conformity
in all material respects with all of the applicable provisions of ERISA and
other applicable laws have been made or taken except to the extent that such
amendments or actions are not required by law to be made or taken until a date
after the Effective Time. Except to the extent it would not reasonably be
expected to result in a F Co Material Adverse Effect, neither F Co nor any F Co
Subsidiary has incurred or reasonably expects to incur, either directly or
indirectly (including as a result of an indemnification obligation), any
liability under Title 1 or IV of ERISA or the penalty, excise tax or joint and
several liability provisions of the Code or any foreign law or regulation
relating to employee benefit plans (including, without limitation, Section 406,
409, 502(i), 502(1), 4069 or 4212(c) of ERISA, or Section 4971, 4975 or 4976 of
the Code), or under any agreement, instrument, statute, rule or legal
requirement pursuant to or under which F Co or any F Co Subsidiaries or any F Co
Plan or pension plan has agreed to indemnify or is required to indemnify any
person against liability incurred under, or for a violation or failure to
satisfy the requirements of any such legal requirement, and to the knowledge of
F Co, no event, transaction or condition has occurred, exists or is expected to
occur which could result in any such liability to F Co or any F Co Subsidiary
after the Effective Time.

            (f) Actions. With respect to any F Co Plan, (i) no Actions (other
than routine claims for benefits in the ordinary course) are pending or, to the
knowledge of F Co, threatened, except for those that would not, individually or
in the aggregate, reasonably be expected to have a F Co Material Adverse Effect,
(ii) to the knowledge of F Co, no facts or circumstances exist that would
reasonably be expected to give rise to any such Actions, and (iii) no
administrative investigation, audit or other administrative proceeding by the
Department of Labor, the IRS or other Governmental Authority is pending, in
progress or, to the knowledge of F Co, threatened, except for those that would
not, individually or in the aggregate, reasonably be expected to have a F Co
Material Adverse Effect.

            (g) Contributions. All contributions and premiums required by law or
by the terms of any F Co Plan have been timely made (without regard to any
waivers granted in respect thereof) to any funds or trusts established
thereunder or in connection therewith, and no accumulated funding deficiencies
exist in any of such plans subject to Section 412 of the Code.

            (h) Reportable Events. During the 12-month period ending on the date
hereof, no "reportable event" (as defined in Section 4043 of ERISA and the
regulations thereunder) for which the 30-day reporting requirement has not been
waived or extended has occurred with respect to any of F Co Plans subject to
Title IV of ERISA, nor has any event requiring notice to be provided under
Section 4041(c)(3)(C) or 4063(a) of ERISA.

                                       39



            (i) Filing Violations. There has been no violation of ERISA in
respect of the filing of applicable returns, reports, documents, and notices
regarding any of F Co Plans with the Secretary of Labor or the Secretary of the
Treasury or the furnishing of such notices or documents to the participants or
beneficiaries of F Co Plans that would reasonably be expected to result in a F
Co Material Adverse Effect.

            (j) Certain Notices. F Co, each F Co Subsidiary, and any F Co ERISA
Affiliate that maintains a "benefits plan" (within the meaning of Section
5000(b)(1) of ERISA) have complied with the notice and continuation requirements
of Section 4980B of the Code or Part 6 of Title I of ERISA and the applicable
regulations thereunder, except to the extent that failure to so comply would not
reasonably be expected to result in a F Co Material Adverse Effect.

            (k) Unfunded Liabilities. None of F Co, any F Co Subsidiary, any F
Co ERISA Affiliate or any organization to which any is a successor or parent
corporation, has divested any business or entity maintaining or sponsoring a
defined benefit pension plan having unfunded benefit liabilities (within the
meaning of Section 4001(a)(18) of ERISA) or transferred any such plan to any
person other than F Co, any F Co Subsidiary, or any F Co ERISA Affiliate during
the five-year period ending on the date of the Closing.

            (l) Prohibited Transactions. To F Co's knowledge, neither F Co nor
any F Co Subsidiary nor any "party in interest" or "disqualified person" in
respect of F Co Plans has engaged in a "prohibited transaction" (within the
meaning of Section 4975 of the Code or Section 406 of ERISA) that would
reasonably be expected to result in a F Co Material Adverse Effect.

            (m) Trustees. None of F Co, any F Co Subsidiary, or any F Co ERISA
Affiliate has terminated any F Co Plan subject to Title IV of ERISA, or incurred
any outstanding liability under Section 4062 of ERISA to the PBGC or to a
trustee appointed under Section 4042 of ERISA and no person (including without
limitation the PBGC) has instituted any proceeding to terminate any F Co Plan or
pension plan or appoint a trustee to administer any such F Co Plan or pension
plan, in each case, except to the extent it would not reasonably be expected to
result in a F Co Material Adverse Effect.

            (n) Acceleration of Payments. Neither the execution and delivery of
this Agreement nor the consummation of the Merger, the Share Issuance, the
Articles Amendment and the transactions contemplated hereby will (i) result in
any payment becoming due to any employee of F Co or any F Co Subsidiary, (ii)
increase any benefits otherwise payable under any F Co Plan or pension plan, or
(iii) result in the acceleration of the time of payment, funding or vesting of
any such benefits.

            (o) Stock Subject to F Co Plans. No stock or other security issued
by F Co or any F Co Subsidiary forms or has formed a material part of the assets
of any F Co Plan.

            (p) Foreign Plans. With respect to each F Co Plan that is not
subject to United States law (a "Foreign F Co Plan"), except as would not,
individually or in the aggregate, reasonably be expected to have a F Co Material
Adverse Effect: (i) all employer and employee

                                       40



contributions to each Foreign F Co Plan required by law or by the terms of such
Foreign F Co Plan have been made or, if applicable, accrued in accordance with
normal accounting practices; (ii) the fair market value of the assets of each
funded Foreign F Co Plan, the liability of each insurer for any Foreign F Co
Plan funded through insurance or the book reserve established for any Foreign F
Co Plan, together with any accrued contributions, is sufficient to procure or
provide for the accrued benefit obligations, as of the date of this Agreement,
with respect to all current and former participants in such plan according to
the actuarial assumptions and valuations most recently used and consistent with
applicable law to determine employer contributions to such Foreign F Co Plan and
no transaction contemplated by this Agreement shall cause such assets, reserve
or insurance obligations to be less than such benefit obligations; (iii) each
Foreign F Co Plan required to be registered has been registered and has been
maintained in good standing with applicable regulatory authorities; and (iv)
each Foreign F Co Plan is in compliance with all applicable law in all material
respects.

            (q) Retiree Health and Welfare Benefits. Except for the continuation
coverage requirements of COBRA, F Co has no liability or potential liability for
benefits to any employees following termination of employment or retirement
under any of the F Co Plans that are employee welfare benefit plans. No written
or oral representations have been made to any employee or former employee of F
Co promising or guaranteeing any employer payment or funding for the
continuation of medical, dental, life or disability coverage for any period of
time beyond the end of the current plan year (except to the extent of coverage
required under COBRA).

            (r) Section 409A. Each F Co Plan that is a "nonqualified deferred
compensation plan" subject to Code Section 409A has been operated since January
1, 2005 based upon a good faith, reasonable interpretation of Code Section 409A
and Internal Revenue Service Notice 2005-1. No F Co Plan that is a "nonqualified
deferred compensation plan" that is not subject to Section 409A has been
materially modified (as determined under Notice 2005-1) after October 3, 2004.
No stock option granted under any F Co Plan has an exercise price that has been
or may be less than the fair market value of the underlying stock as of the date
such option was granted or has any feature for the deferral of compensation
other than the deferral of recognition of income until the later of exercise or
disposition of such option.

      SECTION 4.12 LABOR AND EMPLOYMENT MATTERS.

            (a) Collective Bargaining; Union Organization. Neither F Co nor any
F Co Subsidiary is a party to any collective bargaining agreement or other labor
union agreements applicable to persons employed by F Co or any F Co Subsidiary,
nor to the knowledge of F Co, are there any formal activities or proceedings of
any labor union to organize any such employees.

            (b) Complaints and Grievances. There are no material unfair labor
practice complaints, grievances or charges pending, or to F Co's knowledge,
threatened against F Co or any F Co Subsidiary before the NLRB or any other
Governmental Authority or any current union representation questions involving
employees of F Co or any F Co Subsidiary. There are no complaints, charges, or
claims against F Co or any F Co Subsidiary pending or, to F Co 's knowledge,
threatened to be brought or filed with the NLRB or any Governmental Authority

                                       41



based on, arising out of, in connection with, or otherwise relating to the
employment or termination of employment of any individual by F Co or any F Co
Subsidiary.

            (c) Strikes and Slowdowns. There is no strike, controversy,
slowdown, work stoppage, lockout, material arbitration, or material grievance or
other material labor dispute or, to the knowledge of F Co, threatened in
writing, by or with respect to any employees of F Co or any F Co Subsidiary.

            (d) Employee Relations. To F Co's knowledge, as of the date hereof,
no officer or key employee, or any group of key employees, intends to terminate
his, her, or their employment with F Co or any F Co Subsidiary. The employment
of each officer and U.S. employee of F Co and F Co Subsidiaries is terminable at
the will of F Co or such F Co Subsidiary, as the case may be. To F Co's
knowledge, no officer of F Co or any F Co Subsidiary is in violation of any
material term of any employment, consultant, non-disclosure, non-competition,
confidentiality, or other equivalent agreement.

      SECTION 4.13 REAL AND PERSONAL PROPERTY.

            (a) Owned Real Property. Section 4.13(a) of the F Co Disclosure
Schedule lists each parcel of real property owned by F Co or any F Co Subsidiary
(the "F Co Owned Real Property"). F Co or a F Co Subsidiary has good, valid and
marketable title to all of F Co Owned Real Property, in each case free and clear
of all Liens, other than Permitted Liens.

            (b) Leased Real Property. Section 4.13(b) of the F Co Disclosure
Schedule lists by address each parcel of real property leased or subleased by F
Co or any F Co Subsidiary (the "F Co Leased Properties"). F Co or an F Co
Subsidiary has a valid leasehold interest in all of F Co Leased Properties, in
each case free and clear of all Liens, except for Permitted Liens. Each of the
leases and subleases relating to F Co Leased Properties is in full force and
effect, there is no material default by F Co or any F Co Subsidiary or, to C
Co's knowledge, by the lessor under any such lease or sublease.

            (c) Improvements; Dispositions. The structures, plants,
improvements, systems, and fixtures located on each parcel of F Co Owned Real
Property and, to F Co's knowledge, each parcel of F Co Leased Properties, comply
in all material respects with all laws, and are in good operating condition and
repair, ordinary wear and tear excepted. Each such parcel of F Co Owned Real
Property and, to F Co's knowledge, each parcel of F Co Leased Properties,
conforms in all material respects with all covenants or restrictions of record
and conforms with all applicable building codes and zoning requirements and
there is not, to F Co's knowledge, any proposed change .in any such governmental
or regulatory requirements or in any such zoning requirements. None of F Co
Owned Real Property or F Co Leased Properties reflected in the F Co Financial
Statements has been disposed of and no such real property has been acquired by F
Co or any F Co Subsidiary since the date of the Unaudited Financial Statements.

            (d) Personal Property. F Co and each of F Co Subsidiaries has good
and marketable title to its personal property, free and clear of all Liens,
other than (i) the Permitted Liens, and (ii) those Liens that have arisen in the
ordinary course of business consistent with past

                                       42



practice and that do not materially impair the ownership or use of such personal
property. Such personal property is in such operating condition and repair as is
suitable for the uses for which it is used in the business of F Co and F Co
Subsidiaries, are not subject to any condition which materially interferes with
the use thereof by F Co or F Co Subsidiaries, as the case may be, and constitute
all personal property necessary to permit the Surviving F Co to carry on the
business of F Co and F Co Subsidiaries after the Effective Time substantially as
conducted by F Co and F Co Subsidiaries prior thereto.

      SECTION 4.14 INTELLECTUAL PROPERTY.

            (a) For purposes of this Agreement, "F Co Intellectual Property"
shall mean all patents, inventions, copyrights, work subject to copyrights,
software, trademarks, service marks, brand names, logos, domain names, trade
dress, trade secrets, know-how, confidential or proprietary information (and all
applications, registrations, continuations, divisionals, renewals and reissues
relating thereto) and all other intellectual property rights of any kind or
nature arising under U.S. or foreign law and which are owned by, used or held
for use in the business of F Co and the F Co Subsidiaries.

            (b) List of Intellectual Property. Section 4.14 of the F Co
Disclosure Schedule contains a true and complete list of all material U.S. and
foreign registrations and applications for registration of F Co Intellectual
Property.

            (c) Ownership. F Co or F Co Subsidiaries are the sole and exclusive
owners of all right, title and interest in and to all of the registered F Co
Intellectual Property, and all pending applications filed by F Co or any F Co
Subsidiary therefor, and each of the other copyrights in any works of authorship
prepared by or for F Co or any F Co Subsidiary that resulted from or arose out
of any work performed by or on behalf of F Co or by any employee, officer,
consultant or contractor of any of them. To F Co's knowledge and except as would
not reasonably be expected to have a F Co Material Adverse Effect, F Co and F Co
Subsidiaries are the sole and exclusive owners of, or have valid and continuing
rights to use, sell or license, as the case may be, all other F Co Intellectual
Property used, sold or licensed by F Co or F Co Subsidiaries in their businesses
as presently conducted, free and clear of all Liens, except for Permitted Liens.

            (d) No Misappropriation. To F Co 's knowledge, and except as would
not reasonably be expected to have a F Co Material Adverse Effect, F Co
Intellectual Property does not constitute an unauthorized use or
misappropriation of any patent, copyright, trademark, trade secret or other
equivalent right, of any person, and does not infringe, constitute an
unauthorized use of, or violate any other right of any person. F Co Intellectual
Property and third party licensed intellectual property includes all of the
material intellectual property rights necessary to enable F Co and F Co
Subsidiaries to conduct their businesses in the manner in which such businesses
are currently being conducted.

            (e) No Infringement. Neither F Co nor any of F Co Subsidiaries: (i)
is a party to any Action that involves a claim of infringement or
misappropriation of any patent, copyright or trade secret right by F Co or any F
Co Subsidiary against any third party; (ii) has provided written notice to any
third party alleging infringement or misappropriation of any F Co Intellectual
Property; (iii) is a party to any suit, action or proceeding which involves a
claim of infringement or misappropriation of any F Co

                                       43



Intellectual Property by a third party against F Co or any F Co Subsidiary; or
(iv) except as would not reasonably be expected to have a F Co Material Adverse
Effect, has received any written notice from any third party alleging
infringement or misappropriation of such third party's patents, copyrights or
trade secrets. To F Co's knowledge and except as would not reasonably be
expected to have a F Co Material Adverse Effect, the manufacturing, marketing,
licensing, use or sale of the products or the performance of the services
offered by F Co and F Co Subsidiaries in the ordinary course of their respective
businesses as presently conducted do not currently infringe, and have not
infringed upon any patent, copyright or trade secret right of any third party.

            (f) Protection of Trade Secrets. Except as would not reasonably be
expected to have an F Co Material Adverse Effect, no trade secret or any other
non-public, proprietary information material to the business of F Co and the F
Co Subsidiaries as presently conducted has been authorized to be disclosed or,
to F Co's knowledge, has been actually disclosed by F Co or any F Co Subsidiary
to any employee or any third party other than pursuant to a non-disclosure
agreement or employment policy restricting the disclosure and use of such trade
secret or non-public proprietary information. Except as would not reasonably be
expected to have a F Co Material Adverse Effect, F Co and F Co Subsidiaries have
taken adequate security measures to protect the secrecy and confidentiality of
all trade secrets and any other material confidential information of F Co and F
Co Subsidiaries which measures are reasonable in the industry in which F Co and
F Co Subsidiaries operate.

            (g) No Claim of Ownership. F Co and F Co Subsidiaries have not
received written notice from any current or prior officers, employees, or
contractors of F Co or any F Co Subsidiary claiming any ownership interest in
any F Co Intellectual Property as a result of having been involved in the
development of such property while employed by or performing services for F Co
or any F Co Subsidiary.

            (h) Software. Except as would not reasonably be expected to have a F
Co Material Adverse Effect, F Co's unmodified version of its material software
that is marketed and licensed by F Co and F Co Subsidiaries to its customers
(the "F Co Software") conforms in all material respects with the documentation
prepared, marketed and licensed by F Co in respect of such F Co Software. Except
as would not reasonably be expected to have a F Co Material Adverse Effect: (i)
there are no defects, malfunctions or nonconformities in the unmodified version
of F Co Software that cause the unmodified version of F Co Software, as properly
installed, not to perform the material functions for which they are intended, on
the whole, as provided in F Co's documentation; and (ii) there are no errors in
any documentation, specifications, manuals, and user guides associated with or
used or produced in the development, maintenance or marketing of F Co
Intellectual Property.

      SECTION 4.15 TAXES.

            (a) Payment and Filings. All income, franchise and other material
Tax Returns required to be filed by or with respect to F Co, any F Co Subsidiary
or any Affiliated Group of which F Co or any F Co Subsidiary is or was a member
have been timely filed or caused to be filed (taking into account any extension
of time to file granted or obtained) and any

                                       44



such filed Tax Returns are true, correct and complete in all material respects.
All material amounts of Taxes due and payable by or with respect to F Co, any F
Co Subsidiary, or any Affiliated Group of which F Co or any F Co Subsidiary is
or was a member have been fully and timely paid, except to the extent that F Co
or the appropriate F Co Subsidiary has set aside adequate reserves in accordance
with GAAP on the Interim Balance Sheet. Without taking into account any
transactions contemplated by this Agreement and based upon activities to date,
adequate reserves in accordance with GAAP have been established by F Co and the
F Co Subsidiaries on the Interim Balance Sheet for all Taxes not yet due and
payable in respect of tax periods ending on or before the date hereof.

            (b) Compliance. F Co and F Co Subsidiaries have complied in all
material respects with all applicable laws relating to the payment and
withholding of Taxes and have duly and timely withheld from employee salaries,
wages, other compensation, and other amounts and have paid over to the
appropriate taxing authorities all amounts required to be so withheld and paid
over under all applicable laws.

            (c) Returns. F Co has delivered or made available to C Co true and
complete copies of the portion of: (i) all federal, state, local, and foreign
income and franchise Tax Returns that relate solely to F Co and each of the F Co
Subsidiaries relating to the taxable periods since January 1, 2002; and (ii) any
audit report issued within the last three years that relate solely to F Co or
any of the F Co Subsidiaries.

            (d) No Other Claims. As of the date hereof, to F Co's knowledge,
with respect to F Co and F Co Subsidiaries, no claim has been made by a taxing
authority in a jurisdiction where F Co or any of F Co Subsidiaries does not file
a type of Tax Return such that it is or may be subject to that type of Tax in
that jurisdiction.

            (e) Audits and Examinations. As of the date hereof, (i) there are no
pending or, to the knowledge of F Co, threatened audits, examinations,
investigations or other proceedings in respect of any Taxes of F Co or any F Co
Subsidiary with respect to which F Co or such F Co Subsidiary has been notified
in writing; and (ii) neither F Co nor any F Co Subsidiary has waived any statute
of limitations in respect of a material amount of Taxes or agreed to any
extension of time with respect to an assessment or deficiency for a material
amount of Taxes (other than pursuant to extensions of time to file Tax Returns
obtained in the ordinary course).

            (f) No Adjustments. Neither F Co nor any of F Co Subsidiaries nor
any other person on any of their behalf has: (i) agreed to or is required to
make any adjustments pursuant to Section 481(a) of the Code or any similar
provision of law by reason of a change in accounting method initiated by F Co or
any F Co Subsidiary or has any knowledge that the IRS or any other taxing
authority has proposed any such adjustment or change in accounting method, or
has any application pending with any taxing authority requesting permission for
any changes in accounting methods that relate to the business or operations of F
Co or any of F Co Subsidiaries; or (ii) executed or entered into a closing
agreement pursuant to section 7121 of the Code or any predecessor provision
thereof or any similar provision of law in respect of F Co or any of F Co
Subsidiaries.

                                       45



            (g) Tax Sharing. Neither F Co nor any F Co Subsidiary is a party to
any indemnification, allocation or sharing agreement with respect to Taxes that
could give rise to a payment or indemnification obligation (other than (i)
agreements among F Co and F Co Subsidiaries, (ii) the Tax Matters Agreement by
and between F Co and Fidelity National Financial, Inc. dated as of March 4,
2005, and (iii) customary Tax indemnifications contained in credit or other
commercial agreements the primary purpose of which does not relate to Taxes).

            (h) Deficiencies; Liens. No deficiency for any material amount of
Tax has been asserted or assessed by any Governmental Authority in writing
against F Co or any F Co Subsidiary (or, to the knowledge of F Co, has been
threatened or proposed), except for deficiencies which have been satisfied by
payment, settled or been withdrawn or which are being contested in good faith in
appropriate proceedings and are Taxes for which F Co or the appropriate F Co
Subsidiary has set aside adequate reserves in accordance with GAAP on the most
recent quarterly balance sheet. There are no Liens for Taxes, other than
Permitted Liens, on the assets of F Co or any F Co Subsidiary.

            (i) Share Distributions. All distributions of shares by, or
consisting of shares of, F Co or any of F Co Subsidiaries purporting to qualify
for tax-free treatment under Section 355 of the Code so qualified. With respect
to each distribution of shares purporting to qualify for tax-free treatment
under Section 355 of the Code, neither F Co nor any of F Co Subsidiaries has
constituted a "distributing corporation" or a "controlled corporation" (within
the meaning of Section 355(a)(1)(A) of the Code) in a distribution of shares
qualifying for tax-free treatment under Section 355 of the Code (i) in the two
years prior to the date of this Agreement in a distribution that constitutes
part of a "plan" or "series of related transactions" (within the meaning of
Section 355(e) of the Code) in conjunction with the Merger or any other
transaction (whether occurring before or after the Effective Time) or (ii) in a
distribution that could otherwise constitute part of a "plan" or "series of
related transactions" (within the meaning of Section 355(e) of the Code) in
conjunction with the Merger.

            (j) Real Property Holding Corporation. F Co has not constituted a
"U.S. real property holding corporation" within the meaning of Section 897(c)(2)
of the Code at any time during the last five years.

            (k) Listed Transactions. Neither F Co nor any F Co Subsidiary is
required to make any disclosure to the IRS with respect to a "listed
transaction" pursuant to Section 1.6011-4(b)(2) of the Treasury Regulations
promulgated under the Code.

            (l) Reorganization. As of the date of this Agreement, neither F Co
nor any F Co Subsidiary has taken or agreed to take any action or knows of any
fact or circumstances that could reasonably be expected to prevent the Merger
from qualifying as a "reorganization" within the meaning of Section 368(a) of
the Code. F Co has reviewed the representation certificate contained in EXHIBIT
G-2 and F Co does not know of any fact or circumstance which could reasonably be
expected to prevent F Co from delivering such representation certificate.

                                       46



      SECTION 4.16 ENVIRONMENTAL MATTERS.

            (a) Compliance with Environmental Laws. Except as would not,
individually or in the aggregate, reasonably be expected to have a F Co Material
Adverse Effect: (i) none of F Co or any of F Co Subsidiaries is in violation of
any Environmental Law or, except for any violation that has been fully resolved,
has violated in the past any Environmental Law; (ii) to the knowledge of F Co,
there is and has been no release of Hazardous Substances that requires response
action under applicable Environmental Law at, on or under any of the properties
currently owned, leased or operated by F Co or any of F Co Subsidiaries or,
during the period of F Co's or F Co Subsidiaries' ownership, lease or operation
thereof, formerly owned, leased or operated by F Co or any of F Co Subsidiaries,
that would reasonably be expected to result in a liability to F Co or any of F
Co Subsidiaries; (iii) (A) F Co and F Co Subsidiaries have obtained and are in
compliance with all required Environmental Permits, (B) F Co and F Co
Subsidiaries, except for any noncompliance that has been fully resolved, have
been in the past in compliance with such Environmental Permits, and (C) no
Action is pending, or to F Co's knowledge, threatened, to revoke, modify or
terminate any such Environmental Permit; (iv) there are no Actions pending or,
to the knowledge of F Co, threatened against F Co or any of F Co Subsidiaries
alleging violations of or liability under any Environmental Law or otherwise
concerning the release or management of Hazardous Substances; (v) to F Co's
knowledge, no facts, circumstances, or conditions currently exist that could
adversely affect the continued compliance by F Co and F Co Subsidiaries with
Environmental Laws and Environmental Permits or require currently unbudgeted
capital expenditures to achieve or maintain such continued compliance with
Environmental Laws and Environmental Permits; (vi) neither F Co nor any of F Co
Subsidiaries is the subject of any outstanding written order or Contract with
any Governmental Authority or other person in respect of any (A) Environmental
Laws, (B) remedial action relating to Environmental Laws, or (C) the release or
threatened release of a Hazardous Material; (vii) there is no investigation of
the business, operations, F Co Owned Real Property or F Co Leased Properties of
F Co or any of F Co Subsidiaries or, to F Co's knowledge, previously owned,
operated, or leased property of F Co or F Co Subsidiaries pending or, to F Co's
knowledge, threatened that could lead to the imposition of any costs,
liabilities or Liens under any Environmental Law; or (viii) to F Co's knowledge,
there is not located at any of F Co Owned Real Property or F Co Leased
Properties any (A) underground storage tanks, (B) asbestos-containing material,
or (C) equipment containing polychlorinated biphenyls.

            (b) No Environmental Requirements. The Merger, Share Issuance and
other transactions contemplated by this Agreement do not trigger any
requirements under any federal, state, local or foreign laws relating to the
environment or natural resources which condition the transfer of assets, real
estate or stock on the approval of or the need to notify a Governmental
Authority having jurisdiction over the environment or natural resources.

      SECTION 4.17 SPECIFIED F CO CONTRACTS.

            (a) Status of Specified F Co Contracts. Each Specified F Co Contract
is a legal, valid and binding obligation of F Co or a F Co Subsidiary, as
applicable, in full force and effect and enforceable against F Co or a F Co
Subsidiary in accordance with its terms, subject to the effect of any applicable
bankruptcy, insolvency (including all laws relating to fraudulent transfers),
reorganization, moratorium or similar laws affecting creditors' rights generally
and

                                       47



subject to the effect of general principles of equity. To the knowledge of F Co,
F Co has not received written notice, and has no reason to believe, that any
Specified F Co Contract is not a legal, valid and binding obligation of the
counterparty thereto, in full force and effect and enforceable against such
counterparty in accordance with its terms. Except as would not reasonably be
expected to have a F Co Material Adverse Effect, neither F Co nor any of F Co
Subsidiaries is and, to F Co's knowledge, no counterparty is, in breach or
violation of, or default under, any Specified F Co Contract. None of F Co or any
of F Co Subsidiaries have received any written claim of default under any
Specified F Co Contract. To F Co's knowledge, no event has occurred which would
result in a breach or violation of, or a default under, any Specified F Co
Contract (in each case, with or without notice or lapse of time or both).

            (b) For purposes of this Agreement, the term "Specified F Co
Contract" means each of the Intercompany Agreements and any of the following
Contracts (together with all exhibits and schedules thereto) to which F Co or
any F Co Subsidiary is a party or by which F Co or any F Co Subsidiary or any of
their respective properties or assets are bound or affected as of the date
hereof:

                  (i) any limited liability company agreement, joint venture or
      other similar agreement or arrangement relating to the formation,
      creation, operation, management or control of any partnership or joint
      venture that is material to the business of F Co and F Co Subsidiaries,
      taken as a whole, other than any such limited liability company,
      partnership or joint venture that is a F Co Subsidiary;

                  (ii) any Contract (other than among consolidated F Co
      Subsidiaries) relating to (A) indebtedness for borrowed money and having
      an outstanding principal amount in excess of $15,000,000 or (B)
      conditional sale arrangements, obligations secured by a Lien, or interest
      rate or currency hedging activities, in each case in connection with which
      the aggregate actual or contingent obligations of F Co and F Co
      Subsidiaries under such Contract are greater than $15,000,000;

                  (iii) any Contract that purports to limit the right of F Co or
      F Co Subsidiaries (A) to engage or compete in any line of business or (B)
      to compete with any person or operate in any location, in the case of each
      of (A) and (B), in any respect material to the business of F Co and F Co
      Subsidiaries, taken as a whole;

                  (iv) any Contract that (A) contains most favored customer
      pricing provisions (other than Contracts entered into in the ordinary
      course of business consistent with past practice) or (B) grants any
      exclusive rights, rights of first refusal, rights of first negotiation or
      similar rights to any person, in each case under this clause (B) in a
      manner which is material to the business of F Co and F Co Subsidiaries,
      taken as a whole;

                  (v) any Contract entered into after January 1, 2005 or not yet
      consummated for the acquisition or disposition, directly or indirectly (by
      merger or otherwise), of assets or capital stock or other equity interests
      of another person for aggregate consideration under such Contract in
      excess of $50,000,000;

                                       48



                  (vi) any Contract which by its terms calls for aggregate
      payments by F Co and F Co Subsidiaries under such Contract of more than
      $15,000,000 over the remaining term of such Contract;

                  (vii) any Contract of the type specified in Section 5.02(n) or
      between or among F Co or a F Co Subsidiary, on the one hand, and any of
      their respective affiliates (other than F Co or any F Co Subsidiary), on
      the other hand, that involves amounts of more than $60,000;

                  (viii) any acquisition, disposition or similar Contract
      pursuant to which F Co or any of F Co Subsidiaries has continuing
      indemnification, "earn-out" or other contingent payment obligations, in
      each case, that would reasonably be expected to result in payments in
      excess of $15,000,000;

                  (ix) any Contract with any labor union or association
      representing any employee of F Co or any of F Co Subsidiaries;

                  (x) any Contract granting any registration or similar right in
      respect of securities of F Co or any of F Co Subsidiaries; and

                  (xi) any Contract required to be identified in Section 4.11(a)
      or 4.13(b) of F Co Disclosure Schedule.

A true and complete list of the Specified F Co Contracts as of the date hereof
is set forth in Section 4.17(b) of the F Co Disclosure Schedule, except for
Specified F Co Contracts filed prior to the date here of as exhibits to the
Registration Statement on Form S-1 dated May 26, 2004, as amended through the
date hereof, as filed by F Co with the SEC.

      SECTION 4.18 INSURANCE. Section 4.18 of the F Co Disclosure Schedule sets
forth a complete and correct list of all material insurance policies owned or
held by F Co and each F Co Subsidiary. With respect to each such insurance
policy: (i) the policy is legal, valid, binding and enforceable in accordance
with its terms and, except for policies that have expired under their terms in
the ordinary course, is in full force and effect; (ii) neither F Co nor any F Co
Subsidiary is in material breach or default (including any such breach or
default with respect to the payment of premiums or the giving of notice), and,
to F Co's knowledge, no event has occurred which, with notice or the lapse of
time, would constitute such a breach or default, or permit termination or
modification, under the policy; (iii) to the knowledge of F Co, no insurer on
the policy has been declared insolvent or placed in receivership,
conservatorship or liquidation; and (iv) to the knowledge of F Co, no notice of
cancellation or termination has been received other than in connection with
ordinary renewals. The coverage under the insurance policies set forth on
Section 4.18 of the F Co Disclosure Schedule is (subject to reasonable
deductibles) sufficient to provide adequate insurance coverage for all of the
assets and properties of F Co and F Co Subsidiaries for all material risks in
compliance with all applicable law and F Co Permits. There are no pending claims
against any such insurance policy as to which the insurers have denied
liability.

                                       49



      SECTION 4.19 MATERIAL CUSTOMERS.

            (a) Relations with Material Customers. The top ten (10) customers of
F Co and F Co Subsidiaries, and annual revenues related to such customers for
each of: (i) the fiscal year ended December 31, 2004 and (ii) the period from
January 1, 2005 through the date hereof, are listed on Section 4.19(a) of the F
Co Disclosure Schedule (the "F Co Material Customers"). No F Co Material
Customer has given F Co or any of F Co Subsidiaries any written notice
terminating, suspending, or reducing in any material respect, or specifying an
intention to terminate, suspend, or reduce in any material respect in the
future, or otherwise reflecting an adverse charge in, the business relationship
between such customer and F Co or F Co Subsidiaries, and, to F Co's knowledge,
there has not been any materially adverse change in the business relationship of
F Co or F Co Subsidiaries with any such customer.

            (b) Former Customers. Section 4.19(b) of the F Co Disclosure
Schedule sets forth the names and annual revenues for each of (i) the fiscal
year ended December 31, 2004 and (ii) the period from January 1, 2005 through
the date hereof, of F Co Material Customers which have cancelled or terminated
their relationships with F Co during the twelve months prior to the date of this
Agreement.

      SECTION 4.20 AFFILIATE TRANSACTIONS. Except as contemplated by those
Contracts listed on Schedule 4.20 (the "Intercompany Agreements"), and except
for arrangements between F Co and F Co Subsidiaries which do not involve
payments by any party of more than $150,000 annually in the aggregate and which
do not restrict the ability of F Co and F Co Subsidiaries to engage in any line
of business in any geographic area, no stockholder, officer, or director of F Co
or any of F Co Subsidiaries, or to F Co's knowledge, any member of his or her
immediate family, or any person controlled by any of the foregoing persons
(collectively, "F Co Related Persons") (i) owes any amount to F Co or any of F
Co Subsidiaries nor do F Co or any of F Co Subsidiaries owe any amount (other
than employment compensation or benefits), or has it committed to make any loan
or extend or guarantee credit to or for the benefit of, any F Co Related Person,
(ii) has made any claim or cause of action or any action, suit, or proceeding
whatsoever against F Co or any of F Co Subsidiaries, (iii) to F Co's knowledge,
(other than through stock ownership in a public company) has any direct or
indirect ownership interest in, or is an officer, director, employee,
consultant, or agent of, any person that has a business relationship with F Co
(or any of F Co Subsidiaries) or that competes with F Co or any of F Co
Subsidiaries, or (iv) owns, directly or indirectly, in whole or in part, any
real property, leasehold interests, or other property or any F Co Permits, the
use of which is necessary for the conduct of the business of F Co or F Co
Subsidiaries as currently conducted and as proposed to be conducted. To F Co's
knowledge, no F Co Related Person has any direct or indirect (other than through
stock ownership in a public company) interest in any Contract to which F Co or F
Co Subsidiaries is a party or by which it is bound. Those Intercompany
Agreements identified as items 5-22 on Schedule 4.20 contain terms and
conditions under which the material costs and fees to or from F Co and the F Co
Subsidiaries for the services and rights thereunder are at the fair market value
thereof that would be obtainable from an unaffiliated third party.

                                       50



      SECTION 4.21 ADOPTION BY BOARD. F Co Board, by resolutions duly adopted at
a meeting duly called and held, has duly and unanimously (i) determined that
this Agreement and the Merger are fair to and in the best interests of F Co and
its stockholders, (ii) approved and declared the advisability of this Agreement,
and (iii) recommended that the stockholders of F Co adopt the Merger and
directed that the Merger be submitted for adoption by the stockholders of F Co,
which resolutions have not been subsequently rescinded, modified or withdrawn in
any way.

      SECTION 4.22 OPINIONS OF FINANCIAL ADVISORS. F Co has received the
opinions of Bear, Stearns & Co, Inc. and Stephens Inc. to the effect that, as of
the date of such opinions and subject to the matters referred to therein, the
Exchange Ratio under this Agreement is fair to the stockholders of F Co from a
financial point of view.

      SECTION 4.23 BROKERS. No broker, finder or investment banker other than
Bear, Stearns & Co, Inc. and Stephens Inc. is entitled to any brokerage,
finder's or other fee or commission in connection with the transactions
contemplated hereby based upon arrangements made by or on behalf of F Co or any
of stockholder of F Co.

                                    ARTICLE V
                     CONDUCT OF BUSINESS PENDING THE MERGER

      SECTION 5.01 CONDUCT OF BUSINESS BY C CO PENDING THE MERGER. C Co agrees
that, between the date of this Agreement and the Effective Time, except as
expressly contemplated by this Agreement, as required by law, as set forth in
Section 5.01 of the C Co Disclosure Schedule or as approved by F Co in writing
(which approval shall not be unreasonably withheld or delayed), Merger Co shall
conduct no business, and the business of C Co and the C Co Subsidiaries (other
than Merger Co) shall be conducted in the ordinary course of business and C Co
and such C Co Subsidiaries shall use their reasonable best efforts to preserve
substantially intact their respective business organizations, and to preserve
their present relationships with customers, suppliers and other persons with
which they have significant business relations. Without limiting the generality
of the foregoing, except as contemplated by any other provision of this
Agreement, as required by law, or as set forth in Section 5.01 of the C Co
Disclosure Schedule, neither C Co nor any C Co Subsidiary (other than Merger Co,
which shall conduct no business between the date hereof and the Effective Time)
shall, between the date of this Agreement and the Effective Time, without the
prior written consent of F Co (which consent shall not be unreasonably withheld
or delayed):

            (a) amend or otherwise change its Articles of Incorporation or
Bylaws (or comparable organizational documents);

            (b) issue, sell, pledge, dispose of, grant, or encumber: (i) any
shares of any class of capital stock of C Co or any such C Co Subsidiary, or any
options, warrants, convertible securities or other rights of any kind to acquire
any shares of such capital stock, C Co Rights, or any other ownership interest
(including any phantom interest), of C Co or any such C Co Subsidiary, except
for the issuance of shares of C Co Common Stock and associated C Co Rights
issuable pursuant to C Co Stock Options or C Co Restricted Stock Units
outstanding on the date hereof under C Co Stock Option Plans; or (ii) any assets
of C Co or any such C Co Subsidiary worth $2,500,000 in any individual
transaction or $10,000,000 in the aggregate, except in the ordinary course of
business and in a manner consistent with past practice;

                                       51



            (c) declare, set aside, make or pay any dividend or other
distribution, payable in cash, stock, property or otherwise, with respect to any
of its capital stock, except for (i) regular cash dividends on C Co Common Stock
or dividends by any direct or indirect wholly-owned C Co Subsidiary to C Co or
any other C Co Subsidiary, each in a manner consistent with past practice as
described in Section 3.03(c) hereof, and (ii) declaration and payment of the
Special Dividend or provisions made at Closing for the payment thereof;

            (d) reclassify, combine, split, subdivide or redeem, or purchase or
otherwise acquire, directly or indirectly, any capital stock of C Co or any C Co
Subsidiary, other than in connection with the exercise of C Co Stock Options or
the forfeiture of restricted stock awards, or pursuant to other contractual
rights existing on the date hereof;

            (e) (i) acquire (including by merger, consolidation, or acquisition
of stock or assets or any other business combination) any corporation,
partnership, other business organization or any division thereof having a value
(including the amount of any assumed indebtedness) in excess of $15,000,000,
individually, or $50,000,000, in the aggregate; (ii) repurchase, repay, cancel
or incur any indebtedness for borrowed money, other than (A) capital leases in
the ordinary course of business consistent with past practice, (B) under the
existing credit facilities of C Co and such C Co Subsidiaries in the ordinary
course of business or (C) scheduled payments in connection with currently
outstanding indebtedness for borrowed money; (iii) grant any Lien in any of its
material assets to secure any indebtedness for borrowed money; (iv) issue any
debt securities or assume, endorse, or otherwise become responsible for, the
obligations of any person, or make any loans or advances, except in the ordinary
course of business and consistent with past practice; (v) except to the extent
the amount is reflected in the 2005 capital expenditure budget, authorize, or
make any commitment with respect to, any single capital expenditure which is in
excess of $2,500,000 or capital expenditures which are, in the aggregate, in
excess of $10,000,000 for C Co and the C Co Subsidiaries taken as a whole; (vi)
enter into any new line of business outside of its existing business segments;
or (vii) make investments in persons other than wholly-owned C Co Subsidiaries,
other than ordinary course investments in accordance with C Co's existing
investment policy;

            (f) adopt or enter into a plan of complete or partial liquidation,
dissolution, restructuring, recapitalization or other reorganization of C Co or,
except in the ordinary course of business, any such C Co Subsidiary;

            (g) except in the ordinary course of business and in a manner
consistent with past practice: (i) increase the compensation payable or to
become payable or the benefits provided to any current or former director or
executive officer or, any other current or former employee; (ii) grant any
retention, severance or termination pay to, or enter into any employment, bonus,
change of control or severance agreement with, any current or former director or
executive officer or any other current or former employee; or (iii) establish,
adopt, enter into, terminate or materially amend any collective bargaining
agreement or C Co Plan (other than individual contracts, agreements or
commitments with employees who are not directors or executive officers) or
establish, adopt or enter into any plan, agreement, program, policy, trust, fund
or other arrangement that would be such a C Co Plan if it were in existence as
of the date of this Agreement, except as required by law or under any existing C
Co Plan or Contract;

                                       52



            (h) (i) except as required by law or the Treasury Regulations
promulgated under the Code, make any change in any method of Tax accounting for
a material amount of Taxes or (ii) make, change or rescind any material Tax
election, settle or compromise any material Tax liability, file any amended Tax
Return involving a material amount of additional Taxes (except as required by
law), enter into any closing agreement relating to a material amount of Taxes,
or waive or extend the statute of limitations in respect of Taxes (other than
pursuant to extensions of time to file Tax Returns obtained in the ordinary
course of business);

            (i) make any material change to its methods of accounting in effect
at December 31, 2004, except (i) as required by changes in GAAP (or any
interpretation thereof) or Regulation S-X under the Exchange Act ("Regulation
S-X"), (ii) as may be required by a change in applicable law or (iii) as
disclosed in the C Co SEC Reports filed prior to the date hereof or as required
by a Governmental Authority or quasi-Governmental Authority (including the
Financial Accounting Standards Board ("FASB") or any similar organization);

            (j) write up, write down or write off the book value of any assets
of C Co and such C Co Subsidiaries, other than (i) in the ordinary course of
business and consistent with past practice or (ii) as may be required by GAAP,
FASB or Regulation S-X;

            (k) pay, discharge, waive, settle or satisfy any claim (which shall
include, but not be limited to, any pending or threatened material Action in
excess of $2,500,000, other than in the ordinary course of business and
consistent with past practice;

            (l) enter into any agreement that restricts the ability of C Co or
any of the C Co Subsidiaries to engage or compete in any line of business in any
respect material to the business of C Co and the C Co Subsidiaries, taken as a
whole, other than in the ordinary course of business;

            (m) other than in the ordinary course of business, in a manner
consistent with past practice and on terms not materially adverse to C Co and
the C Co Subsidiaries taken as a whole, (i) enter into, amend, modify, cancel or
consent to the termination of any Specified C Co Contract (other than any
Specified C Co Contract described in Section 3.17(b)(viii)) or any Contract that
would be a Specified C Co Contract (other than any Specified C Co Contract
described in Section 3.17(b)(viii)) if in effect on the date of this Agreement;
or (ii) amend, waive, modify, cancel or consent to the termination of C Co's or
any C Co Subsidiary's rights thereunder;

            (n) enter into, amend, modify or waive any rights under any Contract
or transaction (or series of related Contracts or transactions) with an
executive officer or director (or, other than on arm's-length terms in the
ordinary course of business, any person in which such executive officer or
director, or, to the knowledge of C Co, any immediate family member of such
executive officer or director, has over a 10% interest) involving amounts in
excess of $60,000;

            (o) fail to maintain in full force and effect or fail to use
commercially reasonable efforts to replace or renew material insurance policies
existing as of the date hereof

                                       53



and covering C Co and the C Co Subsidiaries and their respective properties,
assets and businesses, taken as a whole;

            (p) take any action that, to the knowledge of C Co, would reasonably
be likely to prevent or materially delay satisfaction of the conditions
contained in Section 7.01 or 7.03 or the consummation of the Merger; or

            (q) agree to take any of the actions described in Sections 5.01(a)
through 5.01(p) above.

      SECTION 5.02 CONDUCT OF BUSINESS BY F CO PENDING THE MERGER. Between the
date of this Agreement and the Effective Time, except as expressly contemplated
by this Agreement, as required by law, as set forth in Section 5.02 of the F Co
Disclosure Schedule or as approved by C Co in writing (which approval shall not
be unreasonably withheld or delayed), F Co and the F Co Subsidiaries shall
conduct the business of F Co and the F Co Subsidiaries in the ordinary course of
business, use their reasonable best efforts to preserve substantially intact
their respective business organizations, and preserve their present
relationships with customers, suppliers and other persons with which they have
significant business relations. Without limiting the generality of the
foregoing, except as contemplated by any other provision of this Agreement, as
required by law, or as set forth in Section 5.02 of the F Co Disclosure
Schedule, F Co and the F Co Subsidiaries shall not, between the date of this
Agreement and the Effective Time, without the prior written consent of C Co
(which consent shall not be unreasonably withheld or delayed):

            (a) amend or otherwise change its Certificate of Incorporation or
Bylaws (or comparable organizational documents) in a manner adverse to C Co;

            (b) issue, sell, pledge, dispose of, grant, or encumber: (i) any
shares of any class of capital stock of F Co or any F Co Subsidiary, or any
options, warrants, convertible securities or other rights of any kind to acquire
any shares of such capital stock or any other ownership interest (including any
phantom interest), of F Co or any F Co Subsidiary, except for the issuance of
shares of F Co Common Stock issuable pursuant to F Co Stock Options outstanding
on the date hereof under the F Co Stock Option Plan; or (ii) any assets of F Co
or any F Co Subsidiary worth $7,500,000 in any individual transaction or
$25,000,000 in the aggregate, except in the ordinary course of business and in a
manner consistent with past practice;

            (c) declare, set aside, make or pay any dividend or other
distribution, payable in cash, stock, property or otherwise, with respect to any
of its capital stock, except for dividends by any direct or indirect
wholly-owned F Co Subsidiary to F Co or any other F Co Subsidiary;

            (d) reclassify, combine, split, subdivide or redeem, or purchase or
otherwise acquire, directly or indirectly, any capital stock of F Co or any F Co
Subsidiary other than in connection with the exercise of F Co Stock Options or
the forfeiture of restricted stock or other equity awards to employees, or
pursuant to other contractual rights existing on the date hereof;

            (e) (i) acquire (including by merger, consolidation, or acquisition
of stock or assets or any other business combination) any corporation,
partnership, other business organization or any division thereof having a value
(including the amount of any assumed

                                       54



indebtedness) in excess of $50,000,000, individually, (ii) repurchase, repay,
cancel or incur any indebtedness for borrowed money, other than (A) capital
leases in the ordinary course of business consistent with past practice, (B) in
connection with permitted acquisitions, (C) under the existing credit facilities
of F Co and F Co Subsidiaries in the ordinary course of business, (D) scheduled
payments in connection with currently outstanding indebtedness for borrowed
money; or (E) increases necessary to fund the Special Dividend as contemplated
by Section 6.06 or to fund the working capital or corporate needs of the C Co
and its subsidiaries following Closing, on terms reasonably satisfactory to C
Co, (iii) grant any Lien in any of its material assets to secure any
indebtedness for borrowed money, except in connection with such indebtedness
permitted under the preceding clause (ii); (iv) issue any debt securities or
assume, endorse, or otherwise become responsible for, the obligations of any
person, or make any loans or advances, except in the ordinary course of business
and consistent with past practice; (v) except to the extend the amount is
reflected in F Co's 2005 capital expenditure budget, authorize, or make any
commitment with respect to, any single capital expenditure which is in excess of
$7,500,000 or capital expenditures which are, in the aggregate, in excess of
$25,000,000 for F Co and F Co Subsidiaries taken as a whole; (vi) enter into any
new line of business outside of its existing business segments; or (vii) make
investments in persons other than wholly-owned F Co Subsidiaries, other than
ordinary course investments in accordance with F Co's existing investment
policy;

            (f) adopt or enter into a plan of complete or partial liquidation,
dissolution, restructuring, recapitalization or other reorganization of F Co
(other than the Merger) or, except in the ordinary course of business, any F Co
Subsidiary;

            (g) except in the ordinary course of business and in a manner
consistent with past practice: (i) increase the compensation payable or to
become payable or the benefits provided to any current or former director or
executive officer; (ii) grant any retention, severance or termination pay to, or
enter into any employment, bonus, change of control or severance agreement with,
any current or former director or executive officer or any other current or
former employee or any other current or former employee; or (iii) establish,
adopt, enter into, terminate or materially amend any collective bargaining
agreement or F Co Plan (other than individual contracts, agreements or
commitments with employees who are not directors or executive officers) or
establish, adopt or enter into any plan, agreement, program, policy, trust, fund
or other arrangement that would be such a F Co Plan if it were in existence as
of the date of this Agreement, except as required by law or under any existing F
Co Plan or Contract;

            (h) (i) except as required by law or the Treasury Regulations
promulgated under the Code, make any change in any method of Tax accounting for
a material amount of Taxes or (ii) make, change or rescind any material Tax
election, settle or compromise any material Tax liability, file any amended Tax
Return involving a material amount of additional Taxes (except as required by
law), enter into any closing agreement relating to a material amount of Taxes,
or waive or extend the statute of limitations in respect of Taxes (other than
pursuant to extensions of time to file Tax Returns obtained in the ordinary
course of business);

            (i) make any material change to its methods of accounting in effect
at December 31, 2004, except as required by changes in GAAP (or any
interpretation thereof) or a

                                       55



change in applicable law or as required by a Governmental Authority or
quasi-Governmental Authority (including FASB or any similar organization);

            (j) write up, write down or write off the book value of any assets
of F Co and F Co Subsidiaries, other than (i) in the ordinary course of business
and consistent with past practice or (ii) as may be required by GAAP or FASB;

            (k) pay, discharge, waive, settle or satisfy any material claim
(which shall include, but not be limited to, any pending or threatened material
Action) in excess of $10,000,000, other than in the ordinary course of business
and consistent with past practice;

            (l) enter into any agreement that restricts the ability of F Co or
any of F Co Subsidiaries to engage or compete in any line of business in any
respect material to the business of F Co and F Co Subsidiaries, taken as a
whole, other than in the ordinary course of business;

            (m) other than in the ordinary course of business, in a manner
consistent with past practice and on terms not materially adverse to F Co and F
Co Subsidiaries taken as a whole, (i) enter into, amend, modify, cancel or
consent to the termination of any Specified F Co Contract (other than as
contemplated by the Consent Commitments or with respect to any Specified F Co
Contract described in Section 4.17(b)(vii)) or any Contract that would be a
Specified F Co Contract (other than any Specified F Co Contract described in
Section 4.17(b)(vii)) if in effect on the date of this Agreement; or (ii) amend,
waive, modify, cancel or consent to the termination of F Co's or any F Co
Subsidiary's rights thereunder;

            (n) enter into, amend, modify or waive any rights under any Contract
or transaction (or series of related Contracts or transactions) with an
executive officer or director (or, other than on arm's-length terms in the
ordinary course of business, any person in which such executive officer or
director, or, to the knowledge of F Co, any immediate family member of such
executive officer or director, has over a 10% interest) involving amounts in
excess of $60,000;

            (o) amend or modify, or waive, or fail in any material respect to
enforce, any rights under any of the Intercompany Agreements;

            (p) fail to maintain in full force and effect or fail to use
commercially reasonable efforts to replace or renew material insurance policies
existing as of the date hereof and covering F Co and F Co Subsidiaries and their
respective properties, assets and businesses, taken as a whole;

            (q) take any action that, to the knowledge of F Co, would reasonably
be likely to prevent or materially delay satisfaction of the conditions
contained in Section 7.01 or 7.02 or the consummation of the Merger; or

            (r) agree to take any of the actions described in Sections 5.02(a)
through 5.02(q) above.

                                       56



      SECTION 5.03 NO CONTROL OF OTHER PARTY'S BUSINESS. Nothing contained in
this Agreement shall give C Co, directly or indirectly, the right to control or
direct F Co's or F Co Subsidiaries' operations prior to the Effective Time, and
nothing contained in this Agreement shall give F Co, directly or indirectly, the
right to control or direct C Co's or the C Co Subsidiaries' operations prior to
the Effective Time. Prior to the Effective Time, each of F Co and C Co shall
exercise, consistent with the terms and conditions of this Agreement, complete
control and supervision over its and its subsidiaries' respective operations.

                                   ARTICLE VI
                              ADDITIONAL AGREEMENTS

      SECTION 6.01 PROXY STATEMENT; OTHER FILINGS. As promptly as practicable
following the date of this Agreement (it being acknowledged that each of C Co
and F Co will use their reasonable best efforts to accomplish within 20 business
days thereafter, unless the parties otherwise mutually agree): (a) C Co shall
prepare and file with the SEC the preliminary Proxy Statement, and (b) each of C
Co, Merger Co and F Co shall, or shall cause their respective affiliates to,
prepare and file with the SEC all Other Filings that are required to be filed by
such party in connection with the transactions contemplated hereby. C Co, Merger
Co and F Co shall furnish all information concerning itself and its affiliates
that is required to be included in the Proxy Statement or, to the extent
applicable, the Other Filings, or that is customarily included in proxy
statements or other filings prepared in connection with transactions of the type
contemplated by this Agreement. Each of C Co, Merger Co and F Co shall use their
respective reasonable best efforts to respond as promptly as practicable to any
comments of the SEC with respect to the Proxy Statement or the Other Filings,
and C Co shall use its reasonable best efforts to cause the definitive Proxy
Statement to be mailed to C Co's shareholders as promptly as reasonably
practicable after the date of this Agreement. Each party shall promptly notify
the other party upon the receipt of any comments from the SEC or its staff or
any request from the SEC or its staff for amendments or supplements to the Proxy
Statement or the Other Filings and shall provide the other party with copies of
all correspondence between it and its Representatives, on the one hand, and the
SEC and its staff, on the other hand relating to the Proxy Statement or the
Other Filings. If at any time prior to the C Co Shareholders' Meeting, any
information relating to C Co, Merger Co and F Co or any of their respective
affiliates, officers or directors, should be discovered by C Co, Merger Co or F
Co which should be set forth in an amendment or supplement to the Proxy
Statement or the Other Filings, so that the Proxy Statement or the Other Filings
shall not contain any untrue statement of a material fact or omit to state any
material fact required to be stated therein or necessary in order to make the
statements therein, in light of the circumstances under which they are made, not
misleading, the party which discovers such information shall promptly notify the
other parties, and an appropriate amendment or supplement describing such
information shall be filed with the SEC and, to the extent required by
applicable law, disseminated to the shareholders of C Co. Notwithstanding
anything to the contrary stated above, prior to filing or mailing the Proxy
Statement or filing the Other Filings (or, in each case, any amendment or
supplement thereto) or responding to any comments of the SEC with respect
thereto, the party responsible for filing or mailing such document shall provide
the other party an opportunity to review and comment on such document or
response.

                                       57



      SECTION 6.02 C CO SHAREHOLDERS' MEETING. C Co shall duly call, give notice
of, convene and hold a meeting of its shareholders (the "C Co Shareholders'
Meeting"), as promptly as practicable after the date of this Agreement, for the
purpose of voting upon the C Co Proposal. Unless this Agreement shall have been
terminated in accordance with Section 8.01, C Co shall hold the C Co
Shareholders' Meeting regardless of whether the C Co Board has effected a Change
in Board Recommendation. Subject to Section 6.05(c), the C Co Board shall
recommend to the shareholders of C Co that they approve the Share Issuance and
the Articles Amendment, and shall include such recommendation in the Proxy
Statement. In connection with the votes taken at the C Co Shareholders' Meeting
on the C Co Proposal, C Co shall provide, pursuant to Section 14-2-1302(a)(5) of
the GBCC, that shareholders of C Co shall be entitled to dissent from each such
action and obtain payment for their shares in accordance with Sections 14-2-1321
and 14-2-1323 of the GBCC. Nothing contained in this Section 6.02 shall be
deemed to prevent C Co or the C Co Board from taking any action it is permitted
to take under, and in compliance with, Section 6.05.

         SECTION 6.03 ACCESS TO INFORMATION; CONFIDENTIALITY.

            (a) Access to Information. Except as otherwise prohibited by
applicable law, the terms of any Contract entered into prior to the date hereof,
or any other duty of confidentiality owed to another person, or would be
reasonably expected to violate any attorney-client privilege (it being
understood that the parties shall each use reasonable best efforts to cause such
information to be provided in a manner that does not result in such violation),
from the date of this Agreement until the Effective Time, F Co, on the one hand,
and C Co on the other hand, shall (and shall cause their respective subsidiaries
to): (i) provide to each other and to their respective officers, directors,
employees, accountants, consultants, legal counsel, financing sources, agents
and other representatives (collectively, "Representatives") reasonable access,
during normal business hours and upon reasonable prior notice, to their
respective officers, employees, agents, properties, offices and other
facilities, and those of their respective subsidiaries, and to the books and
records thereof; and (ii) furnish promptly to each other such information
concerning the business, properties, contracts, assets, liabilities, personnel
and other aspects of themselves as they or their respective Representatives may
reasonably request. Notwithstanding the foregoing, C Co and F Co each may impose
reasonable restrictions and limitations on access to such officers, employees,
agents, properties, offices, facilities, books and records and information, and
each shall, and shall cause their respective Representatives to, use their best
reasonable efforts to conduct any such investigation or consultation in such a
manner as not to interfere unreasonably with their respective business or
operations (or those of their subsidiaries) or otherwise result in any
unreasonable interference with the prompt and timely discharge by their
respective employees of their normal duties. No party hereto shall be required
to provide access to or to disclose information where such access or disclosure
would jeopardize that party's attorney-client privilege, or could reasonably be
deemed to contravene any law, any Contract entered into prior to the date of
this Agreement, or any other duty of confidentiality owed to another person (it
being agreed that the parties shall use their reasonable best efforts to cause
such information to be provided in a manner that does not cause such violation
or jeopardization).

            (b) Confidentiality. All materials, documents and information
obtained by C Co or its Representatives, on the one hand, or F Co and its
Representatives, on the other hand, pursuant to this Section 6.03 shall be kept
confidential and otherwise dealt with in accordance with the confidentiality
agreement, dated March 28, 2005 (the "Company Confidentiality Agreement"),
between C Co and F Co, and, to the extent applicable, the confidentiality

                                       58



agreements between C Co and TPG Partners IV, L.P. dated March 31, 2005, and
between C Co and Thomas H. Lee Partners, L.P. dated April 4, 2005 (such
confidentiality agreements, together with the Company Confidentiality Agreement,
the "Confidentiality Agreements"). The Confidentiality Agreements shall remain
in full force and effect, notwithstanding the execution and delivery or
termination of this Agreement.

            (c) No Limitation. No investigation pursuant to this Section 6.03 or
otherwise shall affect any representation or warranty in this Agreement of any
party hereto or any condition to the obligations of the parties.

      SECTION 6.04 F CO FINANCIAL STATEMENTS. Between the date of this Agreement
and the Closing Date, F Co shall deliver to C Co, as soon as reasonably
practicable in accordance with normal practice after the end of each fiscal
quarter, unaudited combined balance sheets of F Co and the F Co Subsidiaries as
of the end of such quarter (commencing with the delivery of such statements for
the fiscal quarter ended September 30, 2005) and combined statements of income
for such quarter (the "Quarterly Financials"). The Quarterly Financials shall be
prepared in accordance with GAAP, consistent with past practices.

      SECTION 6.05 NO SOLICITATION OF TRANSACTIONS BY C CO.

            (a) Non-Solicitation by C Co. C Co agrees that neither it nor any C
Co Subsidiary shall, nor shall it authorize or permit the Representatives of C
Co or the C Co Subsidiaries to, (i) solicit, initiate, propose or knowingly
encourage the submission of any C Co Acquisition Proposal, (ii) participate in
any discussions or negotiations regarding, or furnish to any person (other than
C Co or its Representatives) any non-public information in connection with, any
C Co Acquisition Proposal, or (iii) take any action to render the C Co Rights
Agreement inapplicable to an Acquisition Proposal or the transactions
contemplated thereby or exempt or exclude any person from the applicability of
the C Co Rights Agreement in connection with an Acquisition Proposal; provided,
however, that nothing contained in this Agreement shall prevent C Co or the C Co
Board from, prior to the adoption of this Agreement by C Co's stockholders in
accordance with this Agreement, furnishing information to, or engaging in
negotiations or discussions with, any person (and such person's Representatives)
in connection with an unsolicited bona fide written C Co Acquisition Proposal by
such person received after the date hereof, if and only to the extent that prior
to taking such action the C Co Board (or any committee thereof) (A) determines
in good faith (after consultation with its financial advisors) that such C Co
Acquisition Proposal may constitute, or could reasonably be expected to lead to,
a Superior Proposal, (B) (1) has received prior to the date hereof an executed
confidentiality agreement from such person in connection with such person's
consideration of making a C Co Acquisition Proposal, or (2) receives from such
person an executed confidentiality agreement, the confidentiality terms of which
are no less favorable in the aggregate to C Co than those contained in the
Confidentiality Agreements, and (C) the C Co Board shall have determined in good
faith (after consultation with its outside legal counsel) that such action is
necessary in order for the C Co Board to comply with its fiduciary duties under
applicable law.

            (b) Notification and Related Matters. C Co shall notify F Co as
promptly as practicable of the receipt by C Co or any of the C Co Subsidiaries,
or any of its or their

                                       59



respective Representatives, of any bona fide inquiries, proposals or offers,
requests for information or requests for discussions or negotiations regarding
any C Co Acquisition Proposal, specifying the material terms and conditions
thereof. Promptly upon determination by the C Co Board that an Acquisition
Proposal constitutes a Superior Proposal, C Co shall deliver to F Co a written
notice advising it that the C Co Board has made such determination, specifying
the material terms and conditions of such Superior Proposal and the identity of
the person making such Superior Proposal (such notice, a "Superior Proposal
Notice"). C Co agrees that neither it nor any of the C Co Subsidiaries shall
modify, amend, terminate, waive or release any confidentiality or standstill
agreement to which C Co or any C Co Subsidiary is a party and which relates to a
business combination involving C Co or any C Co Subsidiary or the assets of C Co
or any C Co Subsidiary, except where the C Co Board (or any committee thereof)
determines in good faith (after consultation with its outside legal counsel)
that it is required to do so in order to comply with its fiduciary duties under
applicable law.

            (c) Change in Recommendation. Except as set forth in this Section
6.05(c), the C Co Board (or any committee thereof) shall not: (i) withdraw, or
modify or change in a manner adverse to F Co, the C Co Board Recommendation;
(ii) approve or recommend any C Co Acquisition Proposal; or (iii) approve or
recommend, or allow C Co or any C Co Subsidiary to enter into, any letter of
intent, acquisition agreement or other similar agreement with respect to, or
that is reasonably expected to result in, any C Co Acquisition Proposal (other
than a confidentiality agreement referred to in this Section 6.05).
Notwithstanding the foregoing, (x) in response to the receipt of an unsolicited
bona fide written C Co Acquisition Proposal, if the C Co Board (or any committee
thereof) (A) determines in good faith (after consultation with its financial
advisors) that such C Co Acquisition Proposal is a Superior Proposal and (B)
determines in good faith (after consultation with its outside legal counsel)
that it is required to do so in order to comply with its fiduciary duties to the
shareholders of C Co under applicable law, then the C Co Board may approve and
recommend such Superior Proposal and, in connection with such Superior Proposal,
withdraw, or modify or change in a manner adverse to F Co, the C Co Board
Recommendation or (y) other than in connection with a C Co Acquisition Proposal,
if the C Co Board determines in good faith (after consultation with its outside
legal counsel) that it is required to do so in order to comply with its
fiduciary duties to the shareholders of C Co under applicable law, then the C Co
Board may withdraw, or modify or change in a manner adverse to F Co, the C Co
Board Recommendation (either event described in the foregoing clauses (x) and
(y), a "Change in Board Recommendation").

            (d) Certain Disclosures. Nothing contained in this Agreement shall
prohibit C Co from taking and disclosing to its shareholders a position
contemplated by Rules 14d-9 and 14e-2(a) promulgated under the Exchange Act or
from making any disclosure to C Co's shareholders if the C Co Board (or any
committee thereof) determines in good faith (after consultation with its outside
legal counsel) that it is required to do so under applicable law; provided,
however, that in no event shall this Section 6.05(d) affect the obligations of C
Co specified in Section 6.05(c).

            (e) For purposes of this Agreement, "C Co Acquisition Proposal"
means any proposal or offer (including any proposal from or to C Co's
shareholders) from any person other than F Co or any of its stockholders or any
group including any of the foregoing persons relating to: (i) any direct or
indirect acquisition or purchase, in a single transaction or series of

                                       60



transactions by such person or group acting in concert, of (A) more than 25% of
the fair market value (as determined in good faith by the C Co Board) of the
assets (including capital stock of the C Co Subsidiaries) of C Co and its
consolidated subsidiaries, taken as a whole, or (B) over 25% of any class of
equity securities of C Co; or (ii) any merger, consolidation, business
combination, recapitalization, liquidation, dissolution or other similar
transaction involving C Co as a result of which any person or group acting in
concert would acquire the assets, securities or businesses described in any of
clauses (A) or (B) above; provided, however, that the foregoing shall not be
deemed to include the disposition of any assets, securities or businesses of C
Co that are listed on Section 5.01 of the C Co Disclosure Schedule.

      SECTION 6.06 FINANCING AND OTHER ACTIONS FOR SPECIAL DIVIDEND. Promptly
following the date of this Agreement, C Co and F Co shall each use its
commercially reasonable efforts to arrange for adequate and appropriate
financing facilities (which may include existing facilities or the facility
contemplated by the SunTrust Commitment) and other debt funding sources to
provide the cash, when taken together with C Co's available excess cash,
necessary to pay, as set forth below, the Special Dividend, such financing
facilities to be on terms reasonably acceptable to F Co. Prior to the Closing
Date and subject to satisfaction or waiver of the conditions to both parties'
obligations to consummate the Merger in Article VII, the Board of Directors of C
Co shall declare the Special Dividend payable to shareholders of C Co of record
immediately prior to the Effective Time (the "Special Dividend Recipients") if
sufficient funds are available therefor and to the extent such declaration and
payment is permitted by applicable law. C Co shall take such actions as it deems
necessary to adjust all outstanding C Co Options and C Co Restricted Stock Units
as of the record date for the Special Dividend in order to ensure that all such
options and units maintain their intrinsic value and provide the same economic
benefit to the holders thereof, as determined prior to the payment of the
Special Dividend, to account for the payment of the Special Dividend. C Co will
use its commercially reasonable efforts to cause the closing price of the C Co
Common Stock as reported by the NYSE as of the trading day close most recently
occurring prior to the Effective Time is reported as ex-dividend with respect to
the Special Dividend.

      SECTION 6.07 EMPLOYEE BENEFITS MATTERS.

            (a) Obligations with Respect to C Co Employees. For a six (6) month
period beginning immediately following the Effective Time (the "Continuation
Period"), C Co shall, or shall cause its subsidiaries to, (i) provide each
person who is employed by C Co or any C Co Subsidiary as of the Effective Time
(each, a "Continuing Employee") with benefits under any "welfare employee
benefit plans" as defined in Section 3(2) of ERISA and the C Co 401(k) plan (but
excluding any compensation, incentive compensation opportunities, stock option,
restricted stock and other equity incentives and any other employee benefit plan
that is not a welfare plan) that are not materially less favorable in the
aggregate than those provided to the Continuing Employees immediately prior to
the Effective Time, and (ii) provide medical and life insurance benefits to
retirees (including C Co Employees who become eligible for such retiree coverage
during such period) that are substantially similar to the coverage maintained by
C Co immediately prior to the Effective Time. Nothing herein shall be deemed to
be a guarantee of employment for any C Co Employee, or to restrict the right of
C Co or any of its subsidiaries to terminate any C Co Employee. Further, nothing
herein shall restrict the right of C Co or any or

                                       61



its subsidiaries to amend any benefit plans in accordance with the terms and
conditions of such benefit plans.

            (b) Eligibility. With respect to any employee benefit plan, program
or arrangement (other than with respect to eligibility to participate in or
benefit accrual under any defined benefit pension plan) established or
maintained by F Co Parent, C Co or any of their respective subsidiaries under
which any Continuing Employees may be eligible to participate on or after the
Effective Time, C Co shall, or shall cause its subsidiaries to, recognize
service of the Continuing Employees with C Co or any of its subsidiaries (or
their respective predecessors) or F Co or any of its subsidiaries (or their
respective predecessors) to the same extent that the service of any such
Continuing Employee was recognized by C Co or any of its subsidiaries (or their
respective predecessors) under comparable C Co Plans immediately prior to the
Effective Time; provided, however, that such crediting of service shall not
operate to duplicate any benefit or the funding of any such benefit.

            (c) Welfare Plans. With respect to the welfare benefit plans,
programs and arrangements maintained or sponsored by, or contributed to by C Co
or any of its subsidiaries ("Surviving Welfare Benefit Plans") in which any
Continuing Employees may be eligible to participate on or after the Effective
Time, C Co shall, and shall cause its subsidiaries to, and F Co Parent shall be
required to, and shall be required to cause its subsidiaries to (i) waive, or
use commercially reasonable efforts to cause its insurance carrier to waive, all
limitations as to preexisting and at-work conditions, if any, with respect to
participation and coverage requirements applicable to each Continuing Employee
under any Surviving Welfare Benefit Plan to the same extent waived under a
comparable C Co Plan or F Co Plan, and (ii) provide credit to each Continuing
Employee for any co-payments, deductibles and out-of-pocket expenses paid by
such Continuing Employee under the C Co Plans or F Co Plans during the relevant
plan year, up to and including the Effective Time.

            (d) C Co Change in Control Agreements. From and after the Effective
Time, C Co shall, and shall cause its subsidiaries to, honor or cause to be
honored in accordance with their terms, each C Co Change in Control Agreement
listed on Schedule 3.11(c) including, without limitation, each Change in Control
letter agreement (subject to any termination provided below) and each trust or
other funding requirements with respect to such C Co Change in Control
Agreements. Simultaneously with the execution of this Agreement, each of the two
(2) C Co Employees set forth on Annex A to EXHIBIT F-1 attached hereto has
executed an Employment Agreement with C Co, to be effective as of the Effective
Time, in the form attached hereto as EXHIBIT F-1, which shall replace and
supersede such C Co Employees' Change in Control letter agreements. Following
the execution of this Agreement, C Co shall use its commercially reasonable
efforts to obtain the execution and delivery by each of the C Co Employees set
forth on Annex A to EXHIBIT F-2 attached hereto of a termination of such
individual's Change in Control letter agreement, to be effective as of the
Effective Time, in substantially the form attached hereto as EXHIBIT F-2.

            (e) International Employees. The provisions of this Section 6.07
shall apply with respect to Foreign C Co Plans and Foreign F Co Plans and
foreign Continuing Employees except to the extent not permissible or advisable
under the terms of such plans or the applicable foreign laws.

                                       62



            (f) C Co Stock Incentive Plan Amendment. Prior to the Effective
Time, C Co shall (i) amend and restate the C Co Stock Incentive Plan to increase
the total number of shares available under such plan by an additional 6,000,000
shares, to increase the limits on the number of options, restricted shares and
other awards that may be granted to any individual in any calendar year, and to
make any other changes (which changes shall be subject to the consent of F Co,
which consent shall not be reasonably withheld) necessary or advisable to
reflect the Special Dividend, the Merger and the transactions contemplated by
this Agreement, and (ii) submit such amended and restated plan to C Co's
shareholders for approval at the C Co Shareholders' Meeting.

      SECTION 6.08 ANCILLARY AGREEMENTS. At or prior to the Closing, each of C
Co and F Co shall execute and deliver each Ancillary Agreement to which it has
been designated to become a party thereto pursuant to this Agreement.

      SECTION 6.09 TAX-FREE REORGANIZATION TREATMENT. C Co and F Co intend that
the Merger will qualify as a reorganization within the meaning of Section 368(a)
of the Code. Each of C Co and F Co shall, and shall cause its respective
subsidiaries to, use its reasonable best efforts to cause the Merger so to
qualify and to obtain the opinions of counsel referred to in Section 7.02(d) and
Section 7.03(d). Neither C Co nor F Co shall take any action, or fail to take
any action, that could reasonably be expected to jeopardize the qualification of
the Merger as a reorganization within the meaning of Section 368(a) of the Code
or that could reasonably be expected to jeopardize the ability of C Co or F Co
to deliver the representation certificates referred to in Section 7.02(d) and
Section 7.03(d).

      SECTION 6.10 INTENTIONALLY OMITTED.

      SECTION 6.11 STATE TAKEOVER STATUTES. C Co and F Co and their respective
Boards of Directors shall (i) take all reasonable action necessary to ensure
that no state takeover statute or similar statute or regulation is or becomes
applicable to this Agreement or the transactions provided for in this Agreement
and (ii) if any state takeover statute or similar statute becomes applicable to
this Agreement or the transactions contemplated by this Agreement, take all
reasonable action necessary to ensure that the transactions provided for in this
Agreement may be consummated as promptly as practicable on the terms
contemplated by this Agreement and otherwise to minimize the effect of such
statute or regulation on this Agreement or the transactions provided for in this
Agreement.

      SECTION 6.12 NOTIFICATION OF CERTAIN MATTERS. F Co shall give prompt
notice to C Co, and C Co shall give prompt notice to F Co, of (a) the
occurrence, or non-occurrence, of any event the occurrence, or non-occurrence,
of which could reasonably be expected to cause any condition to the obligations
of any party hereunder not to be satisfied, and (b) any failure of F Co or C Co
to comply with or satisfy any covenant or agreement to be complied with or
satisfied by it hereunder; provided, however, that the delivery or non-delivery
of any notice pursuant to this Section 6.12 shall not limit or otherwise affect
the remedies available hereunder to the party receiving such notice. In
addition, F Co shall give prompt written notice to C Co, and C Co shall give
prompt written notice to F Co, of any notice or other communication (i) from any
person and the response thereto of F Co or the Subsidiaries or C Co, as the case
may be, or its or their Representatives alleging that the consent of such person
is or may be required

                                       63



in connection with this Agreement or the Merger, and (ii) from any Governmental
Authority and the response thereto of F Co, F Co Subsidiaries, C Co or the C Co
Subsidiaries, as the case may be, or its or their Representatives in connection
with this Agreement or the Merger.

      SECTION 6.13 FURTHER ACTION; REASONABLE BEST EFFORTS.

            (a) Further Action. Upon the terms and subject to the conditions of
this Agreement, each of the parties agrees to use its reasonable best efforts to
(i) take, or cause to be taken, all appropriate action, and to do, or cause to
be done, all things necessary, proper or advisable under applicable law or
otherwise to consummate the Merger and effect the Share Issuance and the
Articles Amendment, (ii) obtain from Governmental Authorities any consents,
licenses, permits, waivers, approvals, authorizations or orders required to be
obtained by C Co or F Co or any of their respective subsidiaries in connection
with the authorization, execution and delivery of this Agreement, and (iii)
promptly make all necessary filings, and thereafter make any other required
submission, with respect to this Agreement, the Merger, the Share Issuance and
the Articles Amendment required under the HSR Act or any other applicable
antitrust, competition or fair trade laws with respect to the Merger. Subject to
appropriate confidentiality protections, the parties shall have an opportunity
to review and comment on drafts of all applications, notices, petitions, filings
and other documents made or prepared in connection with the items described in
clauses (i) through (iii) above, which comments shall be considered by the other
party in good faith, shall cooperate with each other in connection with the
prompt making of all such filings, will furnish to the other party such
necessary information and assistance as such other party may reasonably request
with respect to the foregoing and will provide the other party with copies of
all filings made by such party with any applicable Government Authority, and,
upon request, any other information supplied by such party to a Governmental
Authority in connection with this Agreement and the Merger.

            (b) HSR Act Compliance. C Co, Merger Co and F Co shall file as soon
as practicable after the date of this Agreement all required or advisable
notifications under, or relating to, the HSR Act and any antitrust, competition
or fair trade law of any applicable United States or non-United States
governmental antitrust authority and shall respond as promptly as practicable to
all inquiries or requests for additional information received from a
Governmental Authority in relation to such filings or notices for additional
information or documentation. C Co, Merger Co and F Co will cooperate fully
(including, without limitation, by providing all information the other party
reasonably requests) with the other parties in promptly seeking to obtain all
such authorizations, consents, orders and approvals. Notwithstanding anything to
the contrary in this Section 6.13(b), (A) neither F Co nor C Co shall be
required to agree to (i) the divestiture (including through a licensing
arrangement) by it or its respective subsidiaries of any of their respective
businesses, product lines or assets (other than an immaterial amount of assets),
or (ii) the imposition of any limitation (other than an immaterial limitation)
on the ability of any of them to conduct their business or to own or exercise
control of such assets, properties and stock (other than an immaterial amount of
such assets, properties or stock), and (B) no action taken by C Co or F Co
pursuant to this Section 6.13(b) shall affect the Exchange Ratio.

            (c) Consents. C Co, Merger Co and F Co shall, and shall cause their
respective subsidiaries to, use their respective reasonable best efforts to
obtain any third party

                                       64



consents (i) necessary to consummate the Merger, Share Issuance and the Other
Transactions or (ii) required to prevent a Material Adverse Effect from
occurring prior to the Effective Time.

      SECTION 6.14 PUBLIC ANNOUNCEMENTS. The parties agree to issue a press
release relating to this Agreement which shall be a joint press release, the
text of which has been agreed to by each of C Co and F Co. Thereafter, each of C
Co and F Co shall agree upon, before issuing, the text of any press release or
any other public statements with respect to this Agreement or the Merger, except
to the extent public disclosure is required by applicable law or the
requirements of the NYSE, in which case the issuing party shall use its
reasonable best efforts to consult with the other party, and allow a reasonable
time for such party to comment upon the press release, before issuing any such
release or making any such public statement.

      SECTION 6.15 TERMINATION OF CERTAIN F CO CONTRACTS. F Co shall cause those
Contracts listed on Schedule 6.15(a) pursuant to which F Co has granted certain
rights to its stockholders (including that certain Stockholders Agreement dated
as of March 9, 2005, that certain Registration Rights Agreement dated as of
March 9, 2004 and those certain Management Agreements dated as of March 9,
2004), and all intercompany Contracts between or among F Co and any of its
stockholders (other than those Contracts set forth on Schedule 6.15(b)) or any
of their respective affiliates that is not an Intercompany Agreement, to be
terminated on or prior to the Effective Time.

      SECTION 6.16 AMENDMENT OF F CO INTERCOMPANY AGREEMENTS. F Co shall, and C
Co shall cooperate with F Co to, cause (a) all of the Intercompany Agreements to
be amended as necessary to reflect the amendments specified in Section A of
Schedule 6.16, and (b) each specific Intercompany Agreement identified in
Section B of Schedule 6.16 to be amended to reflect the specified changes set
forth with respect to that Intercompany Agreement in such Section B. Each
amendment pursuant to the preceding sentence (the "Specified Amendments") shall
be in form reasonably satisfactory to each of F Co and C Co. F Co and C Co shall
also cooperate in good faith with each other and with F Co Parent to identify,
as promptly as practicable and prior to the Closing, relationships between F Co
and F Co Parent currently governed by those Intercompany Agreements identified
in items 1 and 2 of Schedule 4.20 that the parties believe should be considered
for modification by mutual agreement of F Co, C Co and F Co Parent for the
purposes of effecting the integration of F Co with C Co on terms and conditions
acceptable to each of F Co, C Co and F Co Parent, and deemed by each of them to
be in its best interests following the Effective Time. To the extent such
parties identify such changes and mutually agree to the terms and conditions
thereof, they will enter into amendments to such Intercompany Agreements to
reflect the same, effective as of the Effective Time and in form and substance
to satisfactory to each party (the "Integration Amendments" and, together with
the Specified Amendments, the "Intercompany Agreement Amendments").

      SECTION 6.17 EXISTING F CO INDEBTEDNESS.

            (a) F Co shall use its best efforts to complete one of the
alternative transactions contemplated by the Bank Letter Agreement in accordance
with the terms thereof (a "Bank Letter Financing"). If a Bank Letter Financing
cannot be obtained, F Co shall use its best efforts to obtain alternative
financing ("Alternate Financing") in an amount at least sufficient to repay,
refinance or refund the amount of all loans, letters of credit and other
obligations under

                                       65



the Credit Agreement among F Co, the lenders and other parties thereto dated as
of March 9, 2005 (as amended to the date hereof, the "F Co Credit Agreement")
and C Co's existing $200 million credit facility (or, if applicable, the $250
million unsecured term loan under the SunTrust Commitment) and to effect a
termination of the F Co Credit Agreement and the payment of any and all related
fees and expenses, at or prior to Closing (it being understood that such best
efforts would not require F Co to obtain financing that is on terms
substantially less favorable than a Bank Letter Financing, but will include best
efforts to obtain financing on terms at least as favorable as a Bank Letter
Financing). F Co shall keep C Co informed on a reasonably current basis in
reasonable detail of the status of its respective best efforts to obtain a Bank
Letter Financing or Alternate Financing in accordance with this Section 6.17(a)
and shall not permit any material adverse amendment or modification to be made
to, or any waiver of any provision or remedy under, the Bank Letter Agreement
without obtaining the prior written consent of C Co.

            (b) Without limiting the provisions of Section 6.17(a), promptly
following the date of this Agreement, each of F Co and C Co shall use its
commercially reasonable efforts to arrange for adequate and appropriate
financing facilities (which may include existing facilities) and other debt
funding sources to provide for sufficient working capital and funds for other
corporate purposes to C Co following Closing, on terms reasonably acceptable to
F Co and C Co.

      SECTION 6.18 OFFICER AND DIRECTOR INSURANCE; INDEMNIFICATION.

            (a) C Co shall purchase a six-year "tail" prepaid non-cancelable
run-off insurance policy prior to the Effective Time on terms and conditions no
less advantageous to the officers and directors of C Co than the existing
directors' and officers' liability insurance maintained by C Co, to provide
insurance coverage for events, acts or omissions occurring on or prior to the
Closing (including for acts or omissions occurring on or prior to the Effective
Time in connection with this Agreement and the consummation of the transactions
contemplated hereby) for all persons who were directors or officers of C Co or
any C Co Subsidiary on or prior to the Closing (the "C Co Indemnified Parties").
After the Closing, C Co shall, or shall cause the Surviving Company to, maintain
such policies in full force and effect, for their full terms, and continue to
honor their respective obligations thereunder.

            (b) From and after the Effective Time, C Co shall indemnify and hold
harmless the C Co Indemnified Parties and all persons who were directors or
officers of F Co or any F Co Subsidiary on or prior to the Closing (the
"Indemnified Parties") against any costs or expenses (including reasonable
attorneys' fees), judgments, fines, losses, claims, damages or liabilities
(collectively, the "Costs") incurred in connection with any claim, action, suit,
proceeding or investigation, whether civil, criminal, administrative or
investigative, arising out of matters existing or occurring at or prior to the
Effective Time, whether asserted or claimed prior to, at or after the Effective
Time (including any matters arising in connection with the transactions
contemplated by this Agreement), to the fullest extent permitted by applicable
law (and C Co shall also advance expenses as incurred to the fullest extent
permitted under applicable law, provided that the person to whom expenses are
advanced provides an undertaking to repay such advances if it is ultimately
determined that such Person is not entitled to indemnification); and provided,
further, that any determination as to whether an Indemnified

                                       66



Person is entitled to indemnification or advancement of expenses hereunder shall
be made by independent counsel selected by C Co and such Person.

            (c) Any Indemnified Party wishing to claim indemnification under
paragraph (b) of this Section 6.18, upon learning of any such claim, action,
suit, proceeding or investigation, shall promptly notify C Co thereof, but the
failure to so notify shall not relieve C Co of any liability it may have to such
Indemnified Party except to the extent such failure materially and actually
prejudices the indemnifying party. In the event of any such claim, action, suit,
proceeding, or investigation (whether arising before or after the Effective
Time), (i) C Co shall have the right to assume the defense thereof and C Co
shall not be liable to such Indemnified Parties for any legal expenses of other
counsel or any other expenses subsequently incurred by such Indemnified Parties
for any legal expense of other counsel or any other expenses subsequently
incurred by such Indemnified Parties in connection with the defense thereof,
except that if C Co does not elect to assume such defense or counsel for the
Indemnified Parties reasonably concludes that there may be a conflict of
interest between C Co and the Indemnified Parties, the Indemnified Parties may
retain counsel satisfactory to them, and C Co shall be obligated to pay all
reasonable fees and expenses of such counsel for the Indemnified Parties
promptly as statements therefor are received; provided, however, that C Co shall
be obligated pursuant to this paragraph (c) to pay for only one firm of counsel
for all Indemnified Parties in any jurisdiction unless the use of one counsel
for such Indemnified Parties would present such counsel with a conflict of
interest; provided, that the fewest number of counsel necessary to avoid
conflicts of interest shall be used; (ii) the Indemnified Parties will use their
reasonable efforts to cooperate in the defense of any such matter; and (iii) C
Co shall not be liable for any settlement effected without their prior written
consent (such consent not to be unreasonably withheld or delayed); and provided,
further, that C Co shall not have any obligation under this Agreement to any
Indemnified Party if and when a court of competent jurisdiction shall ultimately
determine, and such determination shall have become final, that the
indemnification of such Indemnified Party in the manner contemplated hereby is
prohibited by applicable law.

            (d) The obligations of C Co under this Section 6.18 shall not be
terminated or modified by such parties in a manner so as to adversely affect any
Indemnified Party to whom this Section 6.18 applies without the consent of the
affected Indemnified Party. If C Co or any of its successors or assigns (i)
shall consolidate with or merge into any other corporation or entity and shall
not be the continuing or surviving corporation or entity of such consolidation
or merger or (ii) shall transfer all or substantially all of its properties and
assets to any individual, corporation or other entity, then, and in each such
case, proper provisions shall be made so that the successors and assigns of C
Co, as the case may be, shall assume all of the obligations set forth in this
Section 6.18.

            (e) The provisions of this Section 6.18 are intended to be for the
benefit of, and shall be enforceable as a contract by, each of the Indemnified
Parties and their heirs and legal representatives.

            (f) The rights of the Indemnified Parties and their heirs and legal
representatives under this Section 6.18 shall be in addition to any rights such
Indemnified Parties

                                       67



may have under the articles of incorporation or bylaws of C Co or any of the C
Co Subsidiaries, or under any other applicable laws.

      SECTION 6.19 GOVERNANCE OF C CO. Subject to the receipt of the C Co
Shareholder Approval, C Co shall take all action necessary to (i) cause the
Articles Amendment to be duly executed, acknowledged and filed with the
Secretary of State of the State of Georgia effective as of the Closing, (ii)
cause the persons designated in accordance with Section 5.4(a) of the
Shareholders Agreement to constitute the full Board of Directors of C Co as of
the Closing and to be assigned to the applicable class of directors in the
manner provided in the Shareholders Agreement, (iii) cause William P. Foley, II
to be appointed as Chairman of the Board of Directors of C Co, provided that
such individual is designated as a director in accordance with clause (ii), (iv)
cause Lee A. Kennedy to be named as a director and the chief executive officer
of C Co as of the Effective Time, provided that such individual has not
previously terminated his employment with C Co and (v) cause the bylaws of C Co
as of the Closing to be amended and restated in the form of the Bylaws attached
as EXHIBIT H hereto.

      SECTION 6.20 NYSE SYMBOL. C Co and F Co shall use their respective
commercially reasonable efforts to cause the shares of C Co Common Stock to
trade on the NYSE under the symbol "FIS" immediately after the Effective Time.

      SECTION 6.21 SHELF REGISTRATION. Prior to the Effective Time, each of C Co
and F Co shall cooperate in the preparation of a registration statement on Form
S-3 (the "S-3") and use their respective reasonable best efforts to cause such
S-3 to be filed as soon as reasonably practicable after the Effective Time for
purposes of effecting a registration of the Registrable Shares of the Sponsors
(as such terms are defined in the Registration Rights Agreement) under such S-3
pursuant to Rule 415 under the Securities Act, on the terms and otherwise
subject to the conditions of the Registration Rights Agreement; provided,
however, that, notwithstanding the foregoing, the terms and conditions of the
Shareholders Agreement and Lock-Up Agreement shall govern the Transfer (as
defined in the Shareholders Agreement) of any such Registrable Shares. To the
extent available, each of C Co, Merger Co and F Co shall, prior to the Effective
Time, use its reasonable best efforts to furnish all information concerning
itself and its affiliates that is required to be included in such S-3.

                                   ARTICLE VII
                            CONDITIONS TO THE MERGER

      SECTION 7.01 CONDITIONS TO THE OBLIGATIONS OF EACH PARTY. The obligations
of C Co and F Co to consummate the Merger are subject to the satisfaction or
waiver in writing (where permissible) of the following conditions:

            (a) C Co Shareholder Approval. The C Co Shareholder Approval shall
have been obtained.

            (b) Antitrust Approvals and Waiting Periods. Any waiting period (and
any extension thereof) applicable to the consummation of the Merger under
applicable United States and non-United States antitrust or competition laws,
including the HSR Act, shall have expired

                                       68



or been terminated, and any approvals required thereunder shall have been
obtained in accordance with the provisions of Section 6.13(b) hereof.

            (c) No Order. No Governmental Authority shall have enacted, issued,
promulgated, enforced or entered any injunction, order, decree or ruling
(whether temporary, preliminary or permanent) which is then in effect and has
the effect of making consummation of the Merger illegal or otherwise preventing
or prohibiting consummation of the Merger.

            (d) Governmental Consents. All material consents, approvals and
authorizations legally required to be obtained to consummate the Merger hereto
shall have been obtained from all Governmental Authorities and any conditions to
the receipt of the any of the foregoing, individually or in the aggregate, are
not reasonably expected to have an F Co Material Adverse Effect or a C Co
Material Adverse Effect.

            (e) Special Dividend. C Co shall have available to it sufficient
funds, and shall be permitted under applicable law, to pay the Special Dividend,
and the Board of Directors of C Co shall have duly declared the Special
Dividend, any advance notice requirements applicable to the Special Dividend
under the rules of the NYSE shall have been satisfied, and on or before the
Closing Date, cash or other immediately available funds in amount equal to the
Special Dividend shall have been deposited with a bank or trust company
designated by C Co to act as agent for the Special Dividend Recipients in
connection with payment of the Special Dividend, for the benefit of the Special
Dividend Recipients, such cash not be used for any other purpose.

            (f) Dissenting Shares. The number of shares of C Co Common Stock
that are issued and outstanding immediately prior to the Effective Time and
which are held by C Co shareholders who have properly exercised dissenters'
rights with respect to such shares of C Co Common Stock in accordance with
Sections 14-2-1321 and 14-2-1323 of the GBCC shall not exceed 5% of the
then-outstanding shares of C Co Common Stock.

      SECTION 7.02 CONDITIONS TO THE OBLIGATIONS OF C CO The obligations of C Co
to consummate the Merger, the Share Issuance and the Articles Amendment are
subject to the satisfaction or waiver in writing (where permissible) of the
following additional conditions:

            (a) Representations and Warranties. The representations and
warranties of F Co contained in this Agreement (other than those contained in
Sections 4.03 and 4.04) shall be true and correct (without giving effect to any
limitation on any representation or warranty indicated by the words "F Co
Material Adverse Effect", except for the limitation set forth in the first
sentence of Section 4.09) as of the Effective Time, as though made on and as of
the Effective Time (except to the extent expressly made as of an earlier date,
in which case as of such earlier date), except where the failure of such
representations and warranties to be so true and correct (without giving effect
to any limitation on any representation or warranty indicated by the words "F Co
Material Adverse Effect", except for the limitation set forth in the first
sentence of Section 4.09) would not, individually or in the aggregate,
reasonably be expected to have a F Co Material Adverse Effect. The
representations and warranties of F Co in Sections 4.03 and 4.04 shall be true
and correct in all material respects at the Effective Time.

                                       69



            (b) Agreements and Covenants. F Co shall have performed or complied
in all material respects with all agreements and covenants required by this
Agreement to be performed or complied with by it on or prior to the Effective
Time.

            (c) Officer's Certificates. F Co shall have delivered to C Co a
certificate, dated the date of the Closing, signed by an officer thereof and
certifying as to the satisfaction of the conditions specified in Sections
7.02(a) and 7.02(b).

            (d) Tax Opinion. C Co shall have received from Kilpatrick Stockton
LLP, counsel to C Co, on the Closing Date, an opinion, dated as of such date and
stating that the Merger will qualify for U.S. federal income tax purposes as a
reorganization within the meaning of Section 368(a) of the Code (the issuance of
such opinion shall be conditioned upon the receipt by such tax counsel of tax
representation certificates from each of F Co, each stockholder of F Co, Merger
Co and C Co, in each case, substantially in the form attached as EXHIBITS G-1,
G-2 and G-3 hereto).

            (e) Ancillary Agreements. F Co and its stockholders shall have
executed and delivered each Ancillary Agreement to which they are or have been
designated to become a party pursuant to this Agreement.

            (f) FIRPTA Compliance. F Co shall, on or prior to the Closing Date,
provide C Co with a properly executed Foreign Investment in Real Property Tax
Act of 1980 ("FIRPTA") Notification Letter, in form and substance reasonably
satisfactory to C Co, which states that shares of capital stock of F Co do not
constitute "United States real property interests" under Section 897(c) of the
Code, for purposes of satisfying C Co's obligations under Treasury Regulation
Section 1.1445-2(c)(3). In addition, simultaneously with delivery of such
Notification Letter, F Co shall have provided to C Co, as agent for F Co, a form
of notice to the IRS in accordance with the requirements of Treasury Regulation
Section 1.897-2(h)(2) along with written authorization for C Co to deliver such
notice form to the IRS on behalf of F Co upon the consummation of the Merger.

            (g) Termination of Certain Other F Co Contracts. C Co shall have
been furnished evidence reasonably satisfactory to it that all Contracts listed
on Schedule 6.15 shall have terminated prior to the Closing Date at no cost to F
Co, and that F Co shall not have any further liability or obligation under any
such Contract thereafter.

            (h) F Co Stockholders.

                  (i) The representations and warranties of each stockholder of
F Co contained in the Commitment Agreement shall be true and correct as of the
Effective Time, as though made on and as of the Effective Time (except to the
extent expressly made as of an earlier date, in which case as of such earlier
date).

                  (ii) Each stockholder of F Co shall have performed or complied
in all material respects with all agreements and covenants required by the
Commitment Agreement to be performed or complied with by it on or prior to the
Effective Time.

                                       70



            (i) Amended Intercompany Agreements. F Co and F Co Parent, or their
applicable Subsidiaries) shall have executed and delivered each Specified
Amendment to an Intercompany Agreement to which they are a party, and each
Integration Amendment to which they have agreed.

            (j) Financing. F Co shall have obtained a Bank Letter Financing or
Alternate Financing on terms not substantially less favorable than those of a
Bank Letter Financing.

      SECTION 7.03 CONDITIONS TO THE OBLIGATIONS OF F CO. The obligations of F
Co to consummate the Merger are subject to the satisfaction or waiver in writing
(where permissible) of the following additional conditions:

            (a) Representations and Warranties. The representations and
warranties of C Co contained in this Agreement (other than those contained in
Sections 3.03 and 3.04) shall be true and correct (without giving effect to any
limitation on any representation or warranty indicated by the words "C Co
Material Adverse Effect", except for the limitation set forth in the first
sentence of Section 3.09) as of the Effective Time, as though made on and as of
the Effective Time (except to the extent expressly made as of an earlier date,
in which case as of such earlier date), except where the failure of such
representations and warranties to be so true and correct (without giving effect
to any limitation on any representation or warranty indicated by the words "C Co
Material Adverse Effect", except for the limitation set forth in the first
sentence of Section 3.09) would not, individually or in the aggregate,
reasonably be expected to have a C Co Material Adverse Effect. The
representations and warranties of C Co in Sections 3.03 and 3.04 shall be true
and correct in all material respects at the Effective Time.

            (b) Agreements and Covenants. C Co and Merger Co shall have
performed or complied in all material respects with all agreements and covenants
required by this Agreement to be performed or complied with by them on or prior
to the Effective Time.

            (c) Officer's Certificates. Each of C Co and Merger Co shall have
delivered to F Co a certificate, dated the date of the Closing, signed by an
officer thereof, certifying as to the satisfaction of the conditions specified
in Sections 7.03(a) and 7.03(b).

            (d) Tax Opinion. F Co shall have received from Weil, Gotshal &
Manges LLP, counsel to F Co, on the Closing Date, an opinion, dated as of such
date and stating that the Merger will qualify for U.S. federal income tax
purposes as a reorganization within the meaning of Section 368(a) of the Code
(the issuance of such opinion shall be conditioned upon the receipt by such tax
counsel of tax representation certificates from each of C Co, each stockholder
of F Co, Merger Co and F Co, in each case, substantially in the form attached as
EXHIBITS G-1, G-2 and G-3 hereto).

            (e) Ancillary Agreements. C Co shall have executed and delivered
each Ancillary Agreement to which it has been designated to become a party
pursuant to this Agreement.

            (f) FIRPTA Compliance. C Co shall, on or prior to the Closing Date,
provide each stockholder of F Co with a properly executed FIRPTA Notification
Letter, in form and substance reasonably satisfactory to each such shareholder,
which states that, after giving effect

                                       71



to the Merger, shares of capital stock of C Co do not constitute "United States
real property interests" under Section 897(c) of the Code. In addition, at or
prior to the Effective Time, C Co shall have delivered to the IRS a form of
notice in accordance with the requirements of Treasury Regulation Section
1.897-2(h)(2).

            (g) Amended Intercompany Agreements. C Co shall have executed and
delivered each Intercompany Agreement Amendment to which it has agreed to become
a party pursuant to this Agreement.

                                  ARTICLE VIII
                        TERMINATION, AMENDMENT AND WAIVER

      SECTION 8.01 TERMINATION. This Agreement may be terminated and the Merger
may be abandoned at any time prior to the Effective Time by action taken or
authorized by the Board of Directors of the terminating party or parties,
notwithstanding any requisite approval of the Share Issuance or the Articles
Amendment by the shareholders of C Co, and whether before or after the
shareholders of C Co have approved the Share Issuance and the Articles Amendment
at the C Co Shareholders' Meeting, as follows (the date of any such termination,
the "Termination Date"):

            (a) by mutual written consent of C Co and F Co;

            (b) by either C Co or F Co if the Effective Time shall not have
occurred on or before March 31, 2006; provided, however, that the right to
terminate this Agreement under this Section 8.01(b) shall not be available to
the party whose failure to fulfill any obligation under this Agreement has been
the cause of, or resulted in, the failure of the Effective Time to occur on or
before such date;

            (c) by either C Co or F Co if any Governmental Authority shall have
enacted, issued, promulgated, enforced or entered any injunction, order, decree
or ruling or taken any other action (including the failure to have taken an
action) which, in either such case, has become final and non-appealable and has
the effect of making consummation of the Merger illegal or otherwise preventing
or prohibiting consummation of the Merger; provided, however, that the right to
terminate this Agreement pursuant to this Section 8.01(c) shall not be available
to the party whose failure to fulfill any obligation under this Agreement has
been the cause of, or resulted in, the imposition of such injunction, order,
decree, ruling or other action or the failure of such injunction, order, decree,
ruling or other action to be resisted, resolved or lifted, as applicable;

            (d) by C Co if it is not in material breach of its obligations under
this Agreement, and if (i) any of the representations and warranties of F Co
herein would fail to be true and correct as of the Effective Time, as though
made on and as of the Effective Time, such that Section 7.02(a) would not be
satisfied, or (ii) there has been a breach on the part of F Co of any of its
covenants or agreements herein such that Section 7.02(b) would not be satisfied,
and, in either such case, such failure or breach has not been, or cannot
reasonably be expected to be, cured within 30 days after notice to F Co;

                                       72



            (e) by F Co if it is not in material breach of its obligations under
this Agreement, and if (i) any of the representations and warranties of C Co
would fail to be true and correct as of the Effective time, as though made on
and as of the Effective Time, such that Section 7.03(a) would not be satisfied,
or (ii) there has been a breach on the part of C Co of any of their covenants or
agreements herein such that Section 7.03(b) would not be satisfied, and, in
either such case, such failure or breach has not been, or cannot reasonably be
expected to be, cured within 30 days after notice to C Co;

            (f) by C Co if each stockholder of F Co shall not have executed and
delivered to the Secretary of F Co and to C Co a written consent pursuant to
Section 228 of the DGCL, in the form attached hereto as EXHIBIT I, pursuant to
which such stockholder shall have consented to the adoption by F Co of this
Agreement, in each case no later than six hours after the execution of this
Agreement by the parties hereto;

            (g) by either C Co or F Co if (i) the C Co Shareholder Approval
shall not have been obtained at the C Co Shareholders' Meeting (as such may be
postponed or adjourned), (ii) if C Co shall have breached its obligations with
respect to preparing and filing the Proxy Statement as set forth in Section
6.01, or (iii) if C Co shall have breached its obligations to duly call, convene
and hold the C Co Shareholders' Meeting as set forth in Section 6.02 hereof;

            (h) by F Co if the C Co Board shall have: (i) effected a Change of
Board Recommendation (it being understood and agreed that any
"stop-look-and-listen" communication by the C Co Board to the shareholders of C
Co pursuant to Rule 14d-9(f) of the Exchange Act, or any substantially similar
communication to the shareholders of C Co in connection with the commencement of
a tender offer or exchange offer, shall not be deemed to constitute a Change of
Board Recommendation), or (ii) recommended or approved any C Co Acquisition
Proposal; or

            (i) by C Co if, prior to the Effective Time, the C Co Board (or any
committee thereof) determines in good faith (after consultation with its outside
legal counsel and financial advisors), in the exercise of its fiduciary duties,
that a C Co Acquisition Proposal not solicited or initiated in violation of
Section 6.05 is a Superior Proposal, but only (i) after providing to F Co a
Notice of Superior Proposal with respect to such Superior Proposal, and (ii) if
F Co does not, within five business days of its receipt of the Notice of
Superior Proposal, make an offer that the C Co Board (or any committee thereof)
determines, in its good faith judgment (after consultation with its financial
advisors) to be at least as favorable to C Co and its shareholders as such
Superior Proposal; provided that during such five business day period, C Co
shall negotiate in good faith with F Co (to the extent F Co wishes to negotiate)
to enable F Co to make such an offer; and provided, further, that, in the event
of any amendment to the financial or other material terms of such Superior
Proposal, the C Co Board shall deliver to F Co an additional written Notice of
Superior Proposal, and the five business day period referenced above shall be
extended for an additional five business days after F Co's receipt of such
additional Notice of Superior Proposal; provided, however, that any such
purported termination pursuant to this Section 8.01(i) shall be void and of no
force or effect unless C Co concurrently with such termination pays the C Co
Termination Fee as directed by F Co in writing in accordance with Section 8.03.
C Co shall keep F Co reasonably informed of the status of any proposals and
offers for which C Co has delivered a Notice of Superior Proposal of to F Co
under the terms hereof.

                                       73



For purposes of this Agreement, "Superior Proposal" means any bona fide written
C Co Acquisition Proposal (with all of the percentages included in the
definition of "C Co Acquisition Proposal" increased to 50%) that is on terms
that the C Co Board determines in its good faith judgment (after consultation
with its financial advisor and its outside legal counsel and after taking into
account all the terms and conditions of the C Co Acquisition Proposal and this
Agreement) are more favorable to C Co and its shareholders (in their capacities
as shareholders), from a financial point of view, than this Agreement (taking
into account any alterations to this Agreement agreed to in writing by F Co in
response thereto).

      SECTION 8.02 EFFECT OF TERMINATION. In the event of the termination of
this Agreement pursuant to Section 8.01, this Agreement shall forthwith become
void and have no effect, and there shall be no further liability or obligation
under this Agreement on the part of any party hereto or their respective
officers, directors and subsidiaries, except with respect to the Confidentiality
Agreements and the provisions of Section 6.03(b), this Section 8.02, Section
8.03 and Article X, which shall survive any such termination; provided, however,
that no such termination shall release or relieve any party hereto from any
liabilities or damages arising out of or resulting from such party's material
breach of any representation, warranty or covenant in this Agreement.

      SECTION 8.03 FEES AND EXPENSES.

            (a) Expenses. Except as otherwise set forth in this Section 8.03,
all Expenses incurred in connection with this Agreement shall be paid by the
party incurring such expenses, whether or not the Merger is consummated, except
that each of C Co and F Co shall bear and pay one half of (i) the costs and
expenses (other than attorneys and accountants' fees and expenses, which shall
be paid by the party incurring such expense) incurred in connection with the
printing, filing (with the SEC) and mailing of the Proxy Statement (including
any SEC filing fees), whether or not the Merger is consummated, and (ii) filing
fees for the Notification and Report Forms filed with the FTC and DOJ under the
HSR Act and premerger notification and reports formed under similar applicable
antitrust law of any non-United States governmental antitrust authority in each
case pursuant to Section 6.13(b). "Expenses", as used in this Agreement, shall
include all reasonable out-of-pocket documented expenses (including all fees and
expenses of counsel, accountants, investment bankers, financing sources, hedging
counterparties, experts and consultants to a party hereto and its affiliates)
incurred by a party or on its behalf in connection with or related to the
authorization, preparation, negotiation, execution and performance of this
Agreement, the preparation, printing, filing and mailing of the Proxy Statement,
the solicitation of shareholder approval of the Share Issuance and all other
matters related to the closing of the Merger.

            (b) C Co Termination Fee Events. C Co agrees that if this Agreement
shall be terminated:

                  (i) by C Co or F Co pursuant to Section 8.01(g)(i), and (A) at
      or prior to the Termination Date, a C Co Acquisition Proposal (but
      substituting 50% for the 25% threshold set forth in the definition
      thereof, a "Covered Proposal") shall have been publicly announced that
      appears to have been bona fide and such Covered Proposal shall not have
      been withdrawn at the time of the C Co Shareholders Meeting and (B) no
      later

                                       74



      than 12 months after the Termination Date, any transaction that would
      otherwise be a Superior Proposal is consummated, then C Co shall pay the C
      Co Termination Fee, less the amount of any Expense Reimbursement, pursuant
      to Section 8.03(c); provided, that if this Agreement is terminated by C Co
      or F Co pursuant to Section 8.01(g)(i), and a public announcement
      regarding a Covered Proposal is made as contemplated in Section
      8.03(b)(i)(A) above, then, regardless of whether a Covered Proposal is
      consummated, C Co shall reimburse F Co for all Expenses incurred by F Co
      up to the date of such termination in an amount not to exceed $10,000,000
      (the "Expense Reimbursement") as directed by F Co in writing within two
      business days after the date of such termination;

                  (ii) by C Co or F Co pursuant to Section 8.01(g)(ii) or
      Section 8.01(g)(iii), then C Co shall pay the C Co Termination Fee
      pursuant to Section 8.03(c);

                  (iii) by F Co pursuant to Section 8.01(h), then (so long as F
      Co was not in breach of any of its representations, warranties or
      covenants in this Agreement such that the applicable condition to C Co's
      obligation to consummate the Merger would not have been satisfied as of
      the Termination Date) C Co shall pay the C Co Termination Fee pursuant to
      Section 8.03(c); or

                  (iv) by C Co pursuant to Section 8.01(i), then C Co shall pay
      the C Co Termination Fee pursuant to Section 8.03(c).

            (c) Manner of Payment of C Co Termination Fee. The C Co Termination
Fee shall be paid by C Co as directed by F Co in writing in immediately
available funds (i) concurrently with and as a condition to the effectiveness of
a termination of this Agreement by C Co pursuant to Section 8.01(i) and (ii)
within two business days after the date of the event giving rise to the
obligation to make such payment in all other circumstances.

            (d) Amount of C Co Termination Fee. For purposes of this Agreement,
"C Co Termination Fee" means an amount equal to $65,000,000.

            (e) Agreements Regarding Termination Fees. Each of C Co, Merger Co
and F Co acknowledge that the agreements contained in this Section 8.03 are an
integral part of the transactions contemplated by this Agreement. If C Co shall
fail to pay the C Co Termination Fee or the Expense Reimbursement when due, C Co
shall reimburse F Co for all reasonable costs and expenses actually incurred or
accrued by such other party (including reasonable fees and expenses of counsel)
in connection with the collection under and enforcement of this Section 8.03.

      SECTION 8.04 AMENDMENT. This Agreement may be amended at any time prior to
the Effective Time to the extent permitted by law. Any amendment may be effected
only by an instrument in writing signed by the C Co, Merger Co and F Co.

      SECTION 8.05 WAIVER. At any time prior to the Effective Time, any party
hereto may (a) extend the time for the performance of any obligation or other
act of any other party hereto, (b) waive any inaccuracy in the representations
and warranties of any other party contained herein or in any document delivered
pursuant hereto and (c) waive compliance with any agreement of any other party
or any condition to its own obligations contained herein. Any

                                       75



such extension or waiver shall be valid if set forth in an instrument in writing
signed by the party or parties to be bound thereby. The failure or delay of any
party to assert any of its rights under this Agreement or otherwise shall not
constitute a waiver of those rights.

                                   ARTICLE IX
                               GENERAL PROVISIONS

      SECTION 9.01 NON-SURVIVAL OF REPRESENTATIONS, WARRANTIES AND AGREEMENTS.
The representations and warranties of each of C Co and F Co in this Agreement
and in any certificate delivered pursuant hereto shall terminate at the
Effective Time and neither C Co nor F Co, nor any of their respective officers,
directors or shareholders shall have any liability with respect thereto. This
Section 9.01 shall not limit (i) any covenants in this Agreement, which will
survive and remain in effect indefinitely, or (ii) any agreement of the parties
which by its terms contemplates performance after the Effective Time.

      SECTION 9.02 NOTICES. All notices, requests, claims, demands and other
communications hereunder shall be in writing in the English language and shall
be deemed given (a) on the date of delivery if delivered personally, (b) on the
first business day following the date of dispatch if delivered by a nationally
recognized next-day courier service, (c) on the fifth business day following the
date of mailing if delivered by registered or certified mail (postage prepaid,
return receipt requested) or (d) if sent by facsimile transmission, when
transmitted and receipt is confirmed. All notices under Section 6.04, Section
6.05, Section 6.12 or Article VIII shall be delivered by courier and facsimile
transmission to the respective parties at the addresses provided in accordance
with this Section 9.02. All notices hereunder shall be delivered 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
9.02):

                  If to C Co:

                           Certegy Inc.
                           100 Second Avenue South
                           Suite 1100S
                           St. Petersburg, FL  33701
                           Attention: Walter M. Korchun
                           Facsimile No.: (727) 227-8558

                  with copies to:

                           Kilpatrick Stockton LLP
                           1100 Peachtree Street, Suite 2800
                           Atlanta, GA 30309
                           Attention: W. Stanley Blackburn, Esq.
                                      Bruce D. Wanamaker, Esq.
                           Facsimile No.: (404) 541-3132

                           and

                                       76



                           Covington & Burling
                           1201 Pennsylvania Avenue, NW
                           Washington, DC  20004-7566
                           Attention  Bruce S. Wilson
                           Facsimile No.: (202) 778-5400

                           and

                           Covington & Burling
                           1330 Avenue of the Americas
                           New York, NY 10019
                           Attention Stephen A. Infante
                           Facsimile No.: (212) 841-1010

                  if to F Co:

                           Fidelity National Information Services, Inc
                           601 Riverside Avenue
                           Jacksonville, FL 32204
                           Attention: Christopher Rose
                           Facsimile No.: (904) 357-1026

                  with copies to:

                           Weil, Gotshal & Manges LLP
                           100 Federal Street
                           Boston, MA 02110
                           Attention: James Westra, Esq.
                                      Marilyn French, Esq.
                           Facsimile No.: (617) 772-8333

      SECTION 9.03 CERTAIN DEFINITIONS.

            (a) Definitions. For purposes of this Agreement:

                  "affiliate" of a specified person means a person who, directly
      or indirectly through one or more intermediaries, controls, is controlled
      by, or is under common control with, such specified person.

                  "Affiliated Group" has the meaning ascribed to it in Section
      1504(a) of the Code or any other provision or law pursuant to which Taxes
      or Tax Returns are or may be paid or filed on a consolidated, combined or
      unitary basis.

                  "Ancillary Agreements" means the Commitment Agreement,
      Shareholders Agreement, Lock-Up Agreement, Registration Rights Agreement,
      and each Intercompany Agreement.

                                       77



                  "Association" means Visa U.S.A., Inc. or MasterCard
      International, Incorporated, any other similar card and/or ATM network
      operator, and/or their respective successors and assigns.

                  "beneficial owner", with respect to any Shares, has the
      meaning ascribed to such term under Rule 13d-3(a) of the Exchange Act.

                  "business day" means any day on which the principal offices of
      the SEC in Washington, D.C. are open to accept filings, or, in the case of
      determining a date when any payment is due, any day on which banks are not
      required or authorized to close in the City of New York or the State of
      Florida.

                  "control" (including the terms "controlled by" and "under
      common control with") means the possession, directly or indirectly, or as
      trustee or executor, of the power to direct or cause the direction of the
      management and policies of a person, whether through the ownership of
      voting securities, as trustee or executor, by contractor credit
      arrangement or otherwise.

                  "F Co Parent" means Fidelity National Financial, Inc., a
      Delaware corporation.

                  "knowledge of F Co" or "F Co's knowledge" means the actual
      knowledge of any executive officer of F Co or any of the persons set forth
      in Section 9.03(a) of the F Co Disclosure Statement.

                  "knowledge of C Co" or "C Co's knowledge" means the actual
      knowledge of any executive officer of C Co.

                  "Operating Rule" means any requirement imposed by the
      Associations, directly or indirectly, related to transactions cleared
      through the Associations.

                  "person" means an individual, corporation, partnership,
      limited partnership, limited liability company, syndicate, person
      (including a "person" as defined in Section 13(d)(3) of the Exchange Act),
      trust, association or entity or government, political subdivision, agency
      or instrumentality of a government.

                  "subsidiary" or "subsidiaries" of any person means an
      affiliate controlled by such person, directly or indirectly, through one
      or more intermediaries, and, without limiting the foregoing, includes any
      entity in respect of which such person, directly or indirectly,
      beneficially owns 50% or more of the voting securities or equity.

            (b) Other Defined Terms. The following terms have the meaning set
forth in the Sections set forth below:



Defined Term                                                                             Section
- ------------                                                                             --------
                                                                                      
Action..........................................................................             3.10
Agreement.......................................................................         Preamble


                                       78



                                                                                 
Alternate Financing..........................................................           6.17(a)
Annual Combined Financial Statements.........................................           4.07(b)
Articles Amendment...........................................................          Preamble
Bank Letter Agreement........................................................           4.05(b)
Bank Letter Financing........................................................           6.17(a)
C Co.........................................................................          Preamble
C Co Acquisition Proposal....................................................           6.05(e)
C Co Board...................................................................          Preamble
C Co Board Recommendation....................................................              3.21
C Co Change in Control Agreement.............................................           3.11(c)
C Co Closing Documents.......................................................              3.04
C Co Common Stock............................................................          Preamble
C Co Disclosure Schedule.....................................................       Article III
C Co ERISA Affiliate.........................................................           3.11(b)
C Co Indemnified Parties.....................................................           6.18(a)
C Co Industries..............................................................           3.01(d)
C Co Intellectual Property...................................................           3.14(a)
C Co Investments.............................................................           3.01(c)
C Co Leased Properties.......................................................           3.13(b)
C Co Material Adverse Effect.................................................           3.01(d)
C Co Material Customers......................................................           3.19(a)
C Co Owned Real Property.....................................................           3.13(a)
C Co Permits.................................................................           3.06(a)
C Co Plans...................................................................           3.11(a)
C Co Preferred Stock.........................................................           3.03(a)
C Co Proposal................................................................              3.21
C Co Related Persons.........................................................              3.20
C Co Restricted Stock Units..................................................           3.03(a)
C Co Rights..................................................................           3.03(c)
C Co Rights Agreement........................................................           3.03(c)
C Co Shareholder Approval....................................................              3.04
C Co Shareholders' Meeting...................................................              6.02
C Co Software................................................................           3.14(h)
C Co Stock Option Plans......................................................           3.03(a)
C Co Stock Options...........................................................           3.03(a)
C Co Subsidiary..............................................................           3.01(a)
C Co Termination Fee.........................................................           8.03(d)
Certificate of Merger........................................................              1.03
Certificates.................................................................           2.03(a)
Change in Board Recommendation...............................................           6.05(c)
Closing......................................................................              1.02
Closing Date.................................................................              1.02
COBRA........................................................................           3.11(q)
Code.........................................................................          Preamble
Commitment Agreement.........................................................          Preamble
Company Confidentiality Agreement............................................           6.03(b)



                                       79



                                                                                           
Confidentiality Agreements............................................................            6.03(b)
Consent Commitments...................................................................            4.05(b)
Continuation Period...................................................................            6.07(a)
Continuing Employee...................................................................            6.07(a)
Contract..............................................................................            3.05(a)
Costs.................................................................................            6.18(b)
Covered Proposal......................................................................         8.03(b)(i)
DGCL..................................................................................           Preamble
Disclosure Schedules..................................................................            9.05(b)
DLLCA.................................................................................           Preamble
Effective Time........................................................................               1.03
Environmental Laws....................................................................         3.16(c)(i)
Environmental Permits.................................................................        3.16(c)(ii)
ERISA.................................................................................            3.11(a)
Exchange Act..........................................................................            3.05(b)
Exchange Ratio........................................................................            2.01(a)
Expense Reimbursement.................................................................         8.03(b)(i)
Expenses..............................................................................            8.03(a)
F Co..................................................................................           Preamble
F Co Board............................................................................           Preamble
F Co Change in Control Agreement......................................................            4.11(c)
F Co Closing Documents................................................................               4.04
F Co Common Stock.....................................................................            2.01(a)
F Co Credit Agreement.................................................................            6.17(a)
F Co Disclosure Schedule..............................................................         Article IV
F Co ERISA Affiliate..................................................................            4.11(b)
F Co Financial Statements.............................................................            4.07(b)
F Co Industries.......................................................................            4.01(d)
F Co Intellectual Property............................................................            4.14(a)
F Co Investments......................................................................            4.01(c)
F Co Leased Properties................................................................            4.13(b)
F Co Material Adverse Effect..........................................................            4.01(d)
F Co Material Customers...............................................................            4.19(a)
F Co Owned Real Property..............................................................            4.13(a)
F Co Permits..........................................................................            4.06(a)
F Co Plans............................................................................            4.11(a)
F Co Related Persons..................................................................               4.20
F Co Separate Plans...................................................................            4.11(a)
F Co Software.........................................................................            4.14(h)
F Co Stock Option Plan................................................................            4.03(a)
F Co Stock Options....................................................................            4.03(a)
F Co Subsidiary.......................................................................            4.01(a)
FASB..................................................................................            5.01(i)
FIRPTA................................................................................            7.02(f)
Foreign C Co Plan.....................................................................            3.11(p)
Foreign F Co Plan.....................................................................            4.11(p)



                                       80



                                                                                       
GAAP.................................................................................          3.07(b)
GBCC.................................................................................             3.04
Governmental Authority...............................................................          3.05(b)
Hazardous Substances.................................................................     3.16(c)(iii)
HSR Act..............................................................................          3.05(b)
Indemnified Parties..................................................................          6.18(b)
Integration Amendments...............................................................             6.16
Intercompany Agreement Amendments....................................................             6.16
Intercompany Agreements..............................................................             4.20
Interim Balance Sheet................................................................          4.07(b)
IRS..................................................................................          3.11(a)
law..................................................................................          3.05(a)
Liens................................................................................          3.13(a)
Lock-Up Agreement....................................................................          2.07(d)
Merger...............................................................................         Preamble
Merger Co............................................................................         Preamble
Multiemployer Plan...................................................................          3.11(b)
Multiple Employer Plan...............................................................          3.11(b)
NLRB.................................................................................          3.12(b)
NYSE.................................................................................          2.01(d)
Other Filings........................................................................             3.08
Other Transactions...................................................................             3.04
PBGC.................................................................................          3.11(m)
Permitted Liens......................................................................          3.13(a)
Proxy Statement......................................................................          3.05(b)
Quarterly Financials.................................................................             6.04
Registration Rights Agreement........................................................          2.07(d)
Regulation S-X.......................................................................          5.01(i)
Representatives......................................................................          6.03(a)
Sarbanes-Oxley Act...................................................................          3.07(a)
SEC..................................................................................          3.05(b)
SEC Reports..........................................................................          3.07(a)
Securities Act.......................................................................          3.07(a)
Share Issuance.......................................................................         Preamble
Shareholders Agreement...............................................................         Preamble
Shares...............................................................................          2.01(a)
Special Dividend.....................................................................         Preamble
Special Dividend Recipients..........................................................             6.06
Specified Amendments.................................................................             6.16
Specified C Co Contract..............................................................          3.17(b)
Specified F Co Contract..............................................................          4.17(b)
SunTrust Commitment..................................................................           3.5(b)
Superior Proposal....................................................................             8.01
Superior Proposal Notice.............................................................          6.05(b)
Surviving Company....................................................................             1.01
Surviving Welfare Benefit Plans......................................................          6.07(c)



                                       81



                                                                                             
Tax or Taxes..........................................................................           3.15(m)(i)
Tax Returns...........................................................................          3.15(m)(ii)
Termination Date......................................................................                 8.01
Unaudited Financial Statements........................................................              4.07(b)



            (c) Certain References and Interpretation of Terms. When a reference
is made in this Agreement to an Article or Section, Schedule or Exhibit, such
reference shall be to an Article, Section, Schedule or Exhibit of this
Agreement, respectively, unless otherwise indicated. Whenever the words
"include," "includes" or "including" are used in this Agreement, they shall be
deemed to be followed by the words "without limitation". The words "hereof,"
"herein" and "hereunder" and words of similar import when used in this Agreement
shall refer to this Agreement as a whole and not any particular provision of
this Agreement. The words "date hereof" shall refer to the date of this
Agreement. The term "or" is not exclusive. The word "extent" in the phrase "to
the extent" shall mean the degree to which a subject or thing extends, and such
phrase shall not mean simply "if". The definitions contained in this Agreement
are applicable to the singular as well as the plural forms of such terms.
References to "the Agreement" shall include the C Co Disclosure Schedule and F
Co Disclosure Schedule. References to a person are also to its permitted
successors and assigns. Whenever the context may require, any pronoun shall
include the corresponding masculine, feminine and neuter forms.

      SECTION 9.04 SEVERABILITY. If any term or other provision of this
Agreement is invalid, illegal or incapable of being enforced by any rule of law,
or public policy, all other conditions and provisions of this Agreement shall
nevertheless remain in full force and effect so long as the economic or legal
substance of the transactions contemplated hereby is not affected in any manner
materially adverse to any party. Upon such determination that any term or other
provision is invalid, illegal or incapable of being enforced, the parties 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 hereby be consummated as originally
contemplated to the fullest extent possible.

      SECTION 9.05 DISCLAIMER OF OTHER REPRESENTATIONS AND WARRANTIES;
DISCLOSURE SCHEDULES.

            (a) C Co, Merger Co and F Co each acknowledges and agrees that,
except for the representations and warranties expressly set forth in this
Agreement, the No-Shop Agreement and the Shareholders Agreement (a) no party
makes, and has not made, any representations or warranties relating to itself or
its businesses or otherwise in connection with the Merger, (b) no person has
been authorized by any party to make any representation or warranty relating
itself or its businesses or otherwise in connection with the Merger and, if
made, such representation or warranty must not be relied upon as having been
authorized by such party, and (c) any estimates, projections, predictions, data,
financial information, memoranda, presentations or any other materials or
information provided or addressed to any party or any of its Representatives are
not and shall not be deemed to be or to include representations or warranties
unless any such materials or information is the subject of any representation or
warranty set forth in this Agreement.

                                       82



            (b) The representations and warranties contained in Article III are
qualified by reference to the C Co Disclosure Schedule, and the representations
and warranties in Article IV are qualified by reference to the F Co Disclosure
Schedule (together with the C Co Disclosure Schedule, the "Disclosure
Schedules"). The parties agree that neither Disclosure Schedule is intended to
constitute, nor shall it be construed as constituting, representations and
warranties of the parties providing the Disclosure Schedule hereunder, except to
the extent expressly provided in this Agreement. Each party acknowledges that
(i) the Disclosure Schedule provided to it may include items or information that
the providing parties are not required to disclose under this Agreement, (ii)
disclosure of such items or information shall not affect, directly or
indirectly, the interpretation of this Agreement or the scope of the disclosure
obligations under this Agreement of the parties providing the Disclosure
Schedule, and (iii) inclusion of information in a Disclosure Schedule shall not
be construed as an admission that such information is material to C Co and the C
Co Subsidiaries or F Co and the F Co Subsidiaries, as the case may be.
Similarly, in such matters where a representation or warranty is given or other
information is provided, the disclosure of any matter in a Disclosure Schedule
shall not imply that any other undisclosed matter having a greater value or
other significance is material. Each party further acknowledges that (A)
headings have been inserted on Sections of each Disclosure Schedule for the
convenience of reference only and shall not affect the construction or
interpretation of any of the provisions of this Agreement or any Disclosure
Schedule, (B) cross references that may be contained in Sections of a Disclosure
Schedule to other Sections of that Disclosure Schedule are not all-inclusive of
all disclosures contained in such referenced Sections of the Disclosure Schedule
and (C) information contained in various Sections of a Disclosure Schedule may
be applicable to other Sections of a Disclosure Schedule; accordingly, every
disclosure in one Section of a Disclosure Schedule shall be deemed to be
disclosed under each and every part, category, heading or subheading of such
Section and all other Sections of the Disclosure Schedule and shall be deemed to
qualify the representations and warranties in this Agreement of the parties
providing the Disclosure Schedule, to the extent such may apply if (x) a
cross-reference to such other Section of the Disclosure Schedule is made or (y)
the relevance of such disclosure to such other Section of the Disclosure
Schedule is reasonably apparent.

      SECTION 9.06 ENTIRE AGREEMENT; ASSIGNMENT. This Agreement, the No-Shop
Agreement, the Shareholders Agreement and the other documents, instruments and
agreements among the parties as contemplated by or referred to herein or therein
and the Confidentiality Agreements constitute the entire agreement among the
parties with respect to the subject matter hereof and thereof and supersede all
prior agreements and undertakings, both written and oral, among the parties, or
any of them, with respect to the subject matter hereof and thereof. This
Agreement shall not be assigned (whether pursuant to a merger, by operation of
law or otherwise).

      SECTION 9.07 SPECIFIC PERFORMANCE. The parties agree that irreparable
damage would occur in the event any provision of this Agreement were not
performed by C Co, Merger Co or F Co in accordance with the terms hereof and
that, prior to the termination of this Agreement pursuant to Section 8.01, the
terminating party shall be entitled to specific performance of the terms hereof,
in addition to any other remedy at law or equity.

      SECTION 9.08 PARTIES IN INTEREST. This Agreement shall be binding upon and
inure solely to the benefit of each party hereto, and nothing in this Agreement,
express or

                                       83



implied, is intended to or shall confer upon any other person any right, benefit
or remedy of any nature whatsoever under or by reason of this Agreement, other
than Section 6.18 (which is intended to be for the benefit of the persons
covered thereby and may be enforced by such persons).

      SECTION 9.09 GOVERNING LAW. This Agreement shall be governed by, and
construed in accordance with, the laws of the State of New York applicable to
contracts executed in and to be performed in that State (other then those
provisions set forth herein that are required to be governed by the DGCL or the
DLLCA). All Actions arising out of or relating to this Agreement shall be heard
and determined exclusively in any federal or state court located in
Jacksonville, Florida. The parties hereby (a) submit to the exclusive
jurisdiction of any state or federal court located in Jacksonville, Florida for
the purpose of any Action arising out of or relating to this Agreement brought
by any party hereto, and (b) irrevocably waive, and agree not to assert by way
of motion, defense, or otherwise, in any such Action, any claim that it is not
subject personally to the jurisdiction of the above-named courts, that its
property is exempt or immune from attachment or execution, that the Action is
brought in an inconvenient forum, that the venue of the Action is improper, or
that this Agreement or the Merger may not be enforced in or by any of the
above-named courts.

      SECTION 9.10 WAIVER OF JURY TRIAL. Each of the parties hereby waives to
the fullest extent permitted by applicable law any right it may have to a trial
by jury with respect to any litigation directly or indirectly arising out of,
under or in connection with this Agreement or the Merger. Each of the parties
(a) certifies that no representative, agent or attorney of any other party has
represented, expressly or otherwise, that such other party would not, in the
event of litigation, seek to enforce that foregoing waiver and (b) acknowledges
that it and the other parties have been induced to enter into this Agreement and
the Merger, as applicable, by, among other things, the mutual waivers and
certifications in this Section 9.10.

      SECTION 9.11 HEADINGS. The descriptive headings contained in this
Agreement are included for convenience of reference only and shall not affect in
any way the meaning or interpretation of this Agreement.

      SECTION 9.12 COUNTERPARTS. This Agreement may be executed and delivered
(including by facsimile transmission) in one or more counterparts, and by the
different parties 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.

      SECTION 9.13 OBLIGATIONS OF C CO AND OF F CO. Whenever this Agreement
requires a C Co Subsidiary to take any action, such requirement shall be deemed
to include an undertaking on the part of C Co to cause such subsidiary to take
such action. Whenever this Agreement requires an F Co Subsidiary to take any
action, such requirement shall be deemed to include an undertaking on the part
of F Co to cause such subsidiary to take such action and, after the Effective
Time, on the part of C Co to cause such subsidiary to take such action.

                                       84



      IN WITNESS WHEREOF, C Co, Merger Co and F Co have caused this Agreement to
be executed as of the date first written above by their respective officers
thereunto duly authorized.

                              CERTEGY INC.

                              By: /s/ Lee A. Kennedy
                                 Name: Lee A. Kennedy
                                 Title: Chairman and Chief Executive Officer

                              C CO MERGER SUB, LLC

                              By: CERTEGY INC., its Manager

                              By:/s/ Lee A. Kennedy
                                 Name: Lee A. Kennedy
                                 Title: Chairman and Chief Executive Officer
                              FIDELITY NATIONAL INFORMATION
                              SERVICES, INC.

                              By: /s/ William P. Foley, II
                                 Name: William P. Foley, II
                                 Title: Chief Executive Officer

EX-10.1

                                                                    EXHIBIT 10.1

                                    EXHIBIT C

                             SHAREHOLDERS AGREEMENT

      SHAREHOLDERS AGREEMENT dated September 14, 2005 among (i) Certegy Inc., a
Georgia corporation to be renamed Fidelity National Information Services, Inc.
(the "Company"), (ii) Fidelity National Financial, Inc., a Delaware corporation
("F Co Parent"), (iii) THL FNIS Holdings, LLC, Thomas H. Lee Cayman Fund V,
L.P., Thomas H. Lee Investors Limited Partnership, Putnam Investment Holdings,
LLC, Putnam Investments Employees' Securities Company I LLC, and Putnam
Investments Employees' Securities Company II, LLC (collectively, "THL"), (iv)
TPG FNIS Holdings, LLC, TPG Parallel III, L.P., TPG Investors III, L.P., FOF
Partners III, L.P., FOF Partners III-B, L.P., and TPG Dutch Parallel III, C.V.
(collectively, "TPG"), and (v) Evercore METC Capital Partners II, LLC
("Evercore", and together with F Co Parent, THL, TPG and Evercore, the
"Shareholders").

      WHEREAS, the Company, C Co Merger Sub, LLC, a Delaware limited liability
company and a direct wholly owned subsidiary of the Company ("Merger Co"), and
Fidelity National Information Services, Inc., a Delaware corporation ("F Co"),
have entered into an Agreement and Plan of Merger dated as of September 14, 2005
(as the same may be amended or supplemented, the "Merger Agreement"), pursuant
to and subject to the terms and conditions of which, among other things, F Co
will merge with and into Merger Co, with Merger Co surviving as a wholly owned
subsidiary of the Company (the "Merger");

      WHEREAS, upon consummation of the Merger, the Shareholders will
Beneficially Own (as hereafter defined), in the aggregate, approximately 67% of
the Fully Diluted Voting Securities (as hereafter defined); and

      WHEREAS, the parties hereto desire to enter into this Agreement to
establish certain arrangements with respect to the shares of Common Stock to be
Beneficially Owned by the Shareholders and their respective Affiliates following
the Effective Time (as defined in the Merger Agreement), as well as restrictions
on certain activities in respect of the Common Stock, corporate governance and
other related corporate matters;

      NOW, THEREFORE, in consideration of the foregoing and the mutual covenants
and agreements herein contained, and intending to be legally bound hereby, the
Company and the Shareholders hereby agree, subject to the conditions herein
contained, as follows:

                                    ARTICLE 1
                                 INTERPRETATION

      1.1 CERTAIN DEFINED TERMS. As used in this Agreement, the following terms
have the following meanings:

      "Affiliate" means, with respect to a specified Person, any other Person
that directly, or indirectly through one or more intermediaries, controls, is
controlled by or is under common control with, such specified Person, provided
that, solely for purposes of this Agreement and notwithstanding anything to the
contrary set forth herein, (i) neither the Company nor any of its Subsidiaries
shall be deemed to be a Subsidiary or Affiliate of any Shareholder solely by
virtue



of such Shareholder's ownership of Common Stock, the election of Directors
nominated by such Shareholder to the Board, the election of any other Directors
nominated by the Nominating Committee of the Board or any other action taken by
such Shareholder or its Affiliates which is permitted under this Agreement which
may be deemed to constitute control of the Company, in each case in accordance
with the terms and conditions of, and subject to the limitations and
restrictions set forth in, this Agreement (and irrespective of the
characteristics of the aforesaid relationships and actions under applicable law
or accounting principles) and (ii) no limited partner of THL, TPG, or Evercore,
or any affiliated investment fund of such Shareholder, not actively involved in
the management thereof, or any Person the Capital Stock of which is owned by any
such Shareholder or an affiliated investment fund but who is not controlled by
such Shareholder or affiliated investment fund, shall be deemed to be an
"Affiliate" of such Shareholder. For the purposes of this definition, "control"
(including, with correlative meaning, all conjugations thereof) means with
respect to any Person, the ability of another Person to control or direct the
actions or policies of such first Person, whether through the ownership of
voting securities, by contract or otherwise.

      "Agreement" means this Shareholders Agreement as it may be amended,
supplemented, restated or modified from time to time.

      "Beneficial Ownership" by a Person of any securities includes ownership by
any Person who, directly or indirectly, through any contract, arrangement,
understanding, relationship or otherwise, has or shares (i) voting power which
includes the power to vote, or to direct the voting of, such security; and/or
(ii) investment power which includes the power to dispose, or to direct the
disposition, of such security; and shall otherwise be interpreted in accordance
with the term "beneficial ownership" as defined in Rule 13d-3 adopted by the SEC
under the Exchange Act; provided that for purposes of determining Beneficial
Ownership, a Person shall be deemed to be the Beneficial Owner of any securities
which may be acquired by such Person pursuant to any agreement, arrangement or
understanding or upon the exercise of conversion rights, exchange rights,
warrants or options, or otherwise (irrespective of whether the right to acquire
such securities is exercisable immediately or only after the passage of time,
including the passage of time in excess of 60 days, the satisfaction of any
conditions, the occurrence of any event or any combination of the foregoing).
For purposes of this Agreement, a Person shall be deemed to Beneficially Own any
securities Beneficially Owned by its Affiliates or any Group of which such
Person or any such Affiliate is or becomes a member; provided, however, that
shares of Common Stock subject to options granted under Company benefit plans or
shares of Common Stock (including derivative interests therein) otherwise issued
under Company benefit plans to any Person who, at the time of the grant or
issuance, was an officer or director of the Company or any of its Subsidiaries
shall not solely for that reason be deemed to be Beneficially Owned by F Co
Parent or any of its Affiliates. The term "Beneficially Own" shall have a
correlative meaning.

      "Board" shall mean the Board of Directors of the Company.

      "Business Day" shall mean any day that is not a Saturday, a Sunday or
other day on which banks are required or authorized by law to be closed in the
State of Florida.

      "Bylaws" means the bylaws of the Company, as amended or supplemented from
time to time.

                                       2



      "Capital Stock" means, with respect to any Person at any time, any and all
shares, interests, participations or other equivalents (however designated,
whether voting or non-voting) of capital stock, partnership interests (whether
general or limited), membership interests, or equivalent ownership interests in
or issued by such Person.

      "Charter" means the Amended and Restated Articles of Incorporation of the
Company, the form of which is set forth in Exhibit A to the Merger Agreement, as
amended or supplemented from time to time.

      "Class 1 Director" means a Director holding office for a term expiring at
the 2006 annual meeting of the Company's Shareholders.

      "Class 2 Director" means a Director holding office for a term expiring at
the 2007 annual meeting of the Company's Shareholders.

      "Class 3 Director" means a Director holding office for a term expiring at
the 2008 annual meeting of the Company's Shareholders.

      "Common Stock" means the Company's common stock, par value $0.01 per
share, and any other class of common stock of the Company that may be created
from time to time, and any securities issued in respect thereof, or in
substitution therefor, in connection with any stock split, dividend or
combination, or any reclassification, recapitalization, merger, consolidation,
exchange or other similar reorganization.

      "Director" means any member of the Board (other than any advisory,
honorary or other non-voting member of the Board).

      "Exchange Act" shall mean the U.S. Securities Exchange Act of 1934, as
amended, and the rules and regulations promulgated by the SEC from time to time
thereunder (or under any successor statute).

      "Fully Diluted" means the number of Voting Securities, after giving effect
to the issuance of Voting Securities issuable under all outstanding options,
warrants or other rights or securities convertible or exchangeable into Voting
Securities.

      "Going Private Transaction" means any transaction that would constitute a
"Rule 13e-3 transaction" under paragraph (a)(3) of Rule 13e-3 promulgated under
the Exchange Act as in effect on the date of this Agreement, without giving
effect to the exception set forth in paragraph (g)(2) thereof.

      "Group" shall have the meaning assigned to it in Section 13(d)(3) of the
Exchange Act.

      "Independent Director" shall mean any Director who is or would be an
"independent director" with respect to the Company and with respect to F Co
Parent pursuant to Section 303A.02 of the New York Stock Exchange Listed Company
Manual and Section 10A of the Exchange Act (or any successor provisions).

                                       3



      "Intercompany Agreements" shall mean those agreements listed on Schedule 1
hereto, as amended in accordance with the terms of the Merger Agreement prior to
the Effective Time and thereafter, from time to time in accordance with the
terms hereof.

      "Ownership Percentage" means, at any time, with respect to any Person, the
quotient, expressed as a percentage, of (i) the Total Voting Power of all Voting
Securities then Beneficially Owned by such Person and its Affiliates divided by
(ii) the Total Voting Power of all Voting Securities then outstanding.

      "Person" means a natural person, limited or general partnership,
corporation, limited liability company, joint-stock company, trust,
unincorporated association, joint venture, or other entity, government or any
agency or political subdivision thereof or any Group comprised of two or more of
the foregoing, and pronouns have a similarly extended meaning.

      "Public Offering" means an offering and sale to the public of any Common
Stock pursuant to an effective Registration Statement.

      "Registration Rights Agreement" means that certain Registration Rights
Agreement in the form attached as Exhibit E to the Merger and to be entered into
by the Company and each of the Shareholders as of the Effective Time.

      "Registration Statement" means any registration statement of the Company
filed with the SEC pursuant to the Securities Act, under which any of the
Registrable Shares (as such term is defined in the Registration Right Agreement)
are included therein pursuant to the provisions of the Registration Rights
Agreement.

      "Requisite Independent Directors" shall mean, at any time of
determination, a majority of the Independent Directors.

      "Sale of the Company" means the consummation of a transaction, whether in
a single transaction or in a series of related transactions that are consummated
contemporaneously (or consummated pursuant to contemporaneous agreements), with
any other Person or Group on an arm's-length basis other than a Shareholder or
any Affiliate of a Shareholder, pursuant to which such party or parties (a)
acquire (whether by merger, stock purchase, recapitalization, reorganization,
redemption, issuance of capital stock or otherwise) more than 50% of the Voting
Securities, or (b) acquire assets constituting all or substantially all of the
assets of the Company and its Subsidiaries on a consolidated basis; provided,
however, that in no event shall a Sale of the Company be deemed to include any
transaction effected for the sole purpose of (i) changing, directly or
indirectly, the form of organization or the organizational structure of the
Company or any of its Subsidiaries without affecting the Beneficial Ownership or
control of the Company, or (ii) contributing stock to entities controlled by the
Company.

      "SEC" means the United States Securities and Exchange Commission.

      "Securities Act" means the U.S. Securities Act of 1933, as amended, and
the rules and regulations promulgated by the SEC from time to time thereunder
(or under any successor statute).

                                       4



      "Subsidiary" means, with respect to any Person, any corporation or other
organization, whether incorporated or unincorporated, (i) of which such Person
or any other Subsidiary of such Person is a general partner (excluding
partnerships, the general partnership interests of which are held by such Person
or any Subsidiary of such Person that do not have a majority of the voting
interests in such partnership), or (ii) at least a majority of the securities or
other interests of which having by their terms ordinary voting power to elect a
majority of the board of directors or others performing similar functions with
respect to such corporation or other organization is directly or indirectly
owned or controlled by such Person or by any one or more of its Subsidiaries, or
by such Person and one or more of its Subsidiaries.

      "Total Voting Power" means the total number of votes entitled to be cast
by the holders of the outstanding Common Stock and any other securities
entitled, in the ordinary course, to vote on matters put before the holders of
the Common Stock generally.

      "Transfer" means, directly or indirectly, to sell, transfer, assign,
pledge, encumber, hypothecate or similarly dispose of (by operation of law or
otherwise), either voluntarily or involuntarily, or to enter into any contract,
option or other arrangement with respect to the sale, transfer, assignment,
pledge, encumbrance, hypothecation or similar disposition of (by operation of
law or otherwise), any Voting Securities or any interest in any Voting
Securities; provided, however, that a merger, consolidation or similar business
combination transaction in which F Co Parent is a constituent corporation (or
otherwise a party including, for the avoidance of doubt, a transaction pursuant
to which a Person acquires all or a portion of F Co Parent's outstanding Capital
Stock, whether by tender or exchange offer, by share exchange, or otherwise)
shall not be deemed to be the Transfer of any Voting Securities Beneficially
Owned by F Co Parent or any of its Subsidiaries, provided that the primary
purpose of any such transaction is not to avoid the provisions of this Agreement
and that the successor or surviving person to such a merger, consolidation or
similar business combination transaction, if not F Co Parent, expressly assumes
all obligations of F Co Parent under this Agreement. For purposes of this
Agreement, the term Transfer shall include the sale of an Affiliate of F Co
Parent or F Co Parent's interest in an Affiliate that Beneficially Owns Voting
Securities unless such Transfer is in connection with a merger, plan of
consolidation or similar business combination transaction referred to in the
first proviso of the previous sentence.

      "Unaffiliated Shareholder Approval" means (i) in the case of a tender or
exchange offer, that a majority of the outstanding shares of Common Stock not
Beneficially Owned by any Shareholder or its Affiliates shall have been tendered
and not duly withdrawn at the expiration time of such tender or exchange offer,
as it may have been theretofore extended, and (ii) in the case of a merger or
consolidation, that the holders of a majority of the outstanding shares of
Common Stock not Beneficially Owned by any Shareholder or its Affiliates shall
have been duly voted in favor of the applicable transaction at a meeting of
shareholders duly called and held.

      "Voting Securities" means at any time shares of any class of Capital Stock
or other securities of the Company which are then entitled to vote generally in
the election of Directors and not solely upon the occurrence and during the
continuation of certain specified events, and any securities convertible into or
exercisable or exchangeable for such shares of Capital Stock.

                                       5



      1.2 OTHER DEFINED TERMS. The following terms shall have the meanings
defined for such terms in the sections set forth below:



             Defined Term                                       Section
- ---------------------------------------                       -----------
                                                           
Acquisition                                                   5.1(b)(ii)
Competitive Business                                          5.1(a)
Divestible Competitive Activity                               5.1(b)(iii)
GBCC                                                          1.4
Minor Competitive Activity                                    5.1(b)(iii)
Permitted Competitive Business Activity                       5.1(b)(i)
Other Shareholder                                             4.2(b)(iii)
Separation Date                                               5.1(a)
Term                                                          5.1(a)


      1.3 INTERPRETATION.

            (a) Any reference in this Agreement to gender shall include all
genders.

            (b) The words "hereof," "herein" and "hereunder" and words of
similar import when used in this Agreement shall refer to this Agreement as a
whole and not to any particular provision of this Agreement, and Article and
Section references are to this Agreement unless otherwise specified.

            (c) The meanings given to terms defined herein shall be equally
applicable to both the singular and plural forms of such terms.

            (d) Capitalized terms used but not otherwise defined herein shall
have the meanings ascribed thereto in the Merger Agreement.

            (e) The table of contents and headings contained in this Agreement
are for reference purposes only and shall not affect in any way the meaning or
interpretation of this Agreement.

            (f) Whenever the words "include", "includes" or "including" are used
in this Agreement, they shall be deemed to be followed by the words "without
limitation".

      1.4 METHODOLOGY FOR CALCULATIONS. For purposes of calculating the number
of outstanding shares of Common Stock or Voting Securities and the number of
shares of Common Stock or Voting Securities Beneficially Owned by the
Shareholders and their respective Affiliates as of any date, any shares of
Common Stock or Voting Securities held in the Company's treasury or belonging to
any Subsidiaries of the Company which are not entitled to be voted or counted
for purposes of determining the presence of a quorum pursuant to Section
14-2-721 of the Georgia Business Corporation Code or any successor statute (the
"GBCC") shall be disregarded.

                                       6



                                    ARTICLE 2
                         REPRESENTATIONS AND WARRANTIES

      2.1 REPRESENTATIONS AND WARRANTIES OF THE COMPANY. The Company hereby
represents and warrants to the Shareholders:

            (a) it is a corporation duly organized, validly existing and in good
standing under the laws of the State of Georgia, it has full power and authority
to execute, deliver and perform this Agreement and to consummate the
transactions contemplated hereby, and the execution, delivery and performance by
it of this Agreement and the consummation of the transactions contemplated
hereby have been duly authorized by all necessary corporate action;

            (b) this Agreement has been duly and validly executed and delivered
by it and constitutes a legal and binding obligation of the Company, enforceable
against it in accordance with its terms; and

            (c) the execution, delivery and performance by the Company of this
Agreement and the consummation by the Company of the transactions contemplated
hereby will not, with or without the giving of notice or lapse of time, or both,
(i) violate any provision of law, statute, rule or regulation to which the
Company is subject, (ii) violate any order, judgment or decree applicable to the
Company, or (iii) conflict with, or result in a breach or default under, any
term or condition of the Company's organizational documents or any agreement or
instrument to which the Company is a party or by which it is bound.

      2.2 REPRESENTATIONS AND WARRANTIES OF THE SHAREHOLDERS. Each Shareholder
(as to itself only) represents and warrants to the Company:

            (a) such Shareholder is a corporation duly organized, validly
existing and in good standing under the laws of the State of its state of
incorporation, or it is a limited partnership or a limited liability company
duly formed, validly existing, and in good standing under the laws of the State
of its state of formation, as the case may be, such Shareholder has full power
and authority to execute, deliver and perform this Agreement and to consummate
the transactions contemplated hereby, and the execution, delivery and
performance by such Shareholder of this Agreement and the consummation of the
transactions contemplated hereby have been duly authorized by all necessary
corporate, partnership or limited liability company action of such Shareholder.

            (b) this Agreement has been duly and validly executed and delivered
by such Shareholder, and this Agreement constitutes a legal and binding
obligation of such Shareholder, enforceable against such Shareholder in
accordance with its terms; and

            (c) the execution, delivery and performance by such Shareholder of
this Agreement and the consummation by such Shareholder of the transactions
contemplated hereby will not, with or without the giving of notice or lapse of
time, or both, (i) violate any provision of law, statute, rule or regulation to
which such Shareholder is subject, (ii) violate any order, judgment or decree
applicable to such Shareholder, or (iii) conflict with, or result in a breach or
default under, any term or condition of any agreement or other instrument to
which such Shareholder is a party or by which such Shareholder is bound.

                                       7



                                    ARTICLE 3
                          COVENANTS REGARDING OWNERSHIP

      3.1 STANDSTILL.

            (a) Each Shareholder covenants and agrees with the Company that,
except as provided in paragraph (b) below or Section 3.2 hereof, it shall not,
and shall not permit any of its Affiliates to, directly or indirectly, alone or
in concert with others, acquire, offer or propose to acquire or agree to
acquire, whether by purchase, tender or exchange offer, through the acquisition
of control of another Person (whether by way of merger, consolidation or
otherwise), by joining a general or limited partnership, syndicate or other
Group or otherwise, the Beneficial Ownership of any additional Voting
Securities, or take any other action as a shareholder or otherwise, if such
acquisition or action (including the repurchase or issuance of Capital Stock by
the Company) would result in the Shareholders, in the aggregate, Beneficially
Owning Voting Securities representing more than 75% of the Fully Diluted Voting
Securities (the "Ownership Cap").

            (b) (i) If at any time the Shareholders and their respective
Affiliates Beneficially Own in the aggregate Voting Securities representing more
than the Ownership Cap, then the Shareholders whose purchase of Voting
Securities causes the Ownership Cap to be exceeded shall, as soon as is
reasonably practicable, but in no event longer than 90 days after the Ownership
Percentage of the Shareholders and their respective Affiliates first exceeds the
Ownership Cap (but in no manner that would require any Shareholder or any such
Affiliate thereof to incur liability under Section 16(b) of the Exchange Act)
Transfer (in any manner permitted by Section 4.2(a) and in compliance with
Section 4.1(b), regardless of whether such Transfer occurs prior to or after the
first anniversary of the Closing) a number of Voting Securities sufficient to
reduce the amount of Voting Securities Beneficially Owned in the aggregate by
the Shareholders and their Affiliates to an amount representing not greater than
the Ownership Cap.

                  (ii) Notwithstanding any other provision of this Agreement, in
no event may any Shareholder or any of its Affiliates, directly or indirectly
including through any agreement or arrangement, exercise any voting rights,
during the term of this Agreement, in respect of any Voting Securities
Beneficially Owned by the Shareholders and their respective Affiliates
representing in excess of the Ownership Cap.

            (c) Any additional Voting Securities acquired and Beneficially Owned
by the Shareholders or any of their respective Affiliates following the Closing
shall be subject to the restrictions contained in this Agreement as fully as if
such Voting Securities were acquired by such Shareholder at the Closing pursuant
to the Merger Agreement.

            (d) For purposes of this Agreement, all determinations of the amount
of outstanding Voting Securities shall be based on information set forth in the
most recent quarterly or annual report, and any current report subsequent
thereto, filed by the Company with the SEC, unless the Company shall have
updated such information by delivery of written notice to the Shareholders.

                                       8



      3.2 GOING PRIVATE TRANSACTIONS.

            (a) F Co Parent shall, and shall cause its Affiliates to, refrain
from proposing, initiating or participating in any Going Private Transaction
unless such Going Private Transaction (i) involves the acquisition of or offer
to acquire 100% of the Common Stock not owned by the Shareholders and their
respective Affiliates (and, in the case of a Going Private Transaction to be
effected by means of a tender or exchange offer, includes a commitment by the
Shareholders or any such Affiliate to promptly consummate a short-form merger to
acquire any remaining shares of Common Stock at the same price in the event it
obtains pursuant to such tender or exchange offer such level of ownership of
such classes of Capital Stock that would be required to effect a merger pursuant
to Section 14-2-1104 of the GBCC or any successor provision) and (ii) is
conducted in compliance with this Section 3.2.

            (b) Prior to the first anniversary of the Closing, F Co Parent
shall, and shall cause its Affiliates to, refrain from proposing or initiating
any Going Private Transaction unless invited to do so by the Requisite
Independent Directors. Any Going Private Transaction effected during this period
shall also be subject to the requirements of Section 3.2(c).

            (c) From and after the first anniversary of the Closing, F Co Parent
or any of its Affiliates may propose, initiate or effect a Going Private
Transaction, provided that such Going Private Transaction is subject to and
conditioned upon the receipt of Unaffiliated Shareholder Approval.

                                    ARTICLE 4
                              TRANSFER RESTRICTIONS

      4.1 GENERAL TRANSFER RESTRICTIONS.

            (a) The right of each Shareholder and its Affiliates to Transfer any
Voting Securities is subject to the restrictions set forth in this Article 4,
and no Transfer of Voting Securities by a Shareholder or any of its Affiliates
may be effected except in compliance with this Article 4. Any attempted Transfer
in violation of this Agreement shall be of no effect and null and void,
regardless of whether the purported transferee has any actual or constructive
knowledge of the Transfer restrictions set forth in this Agreement, and shall
not be recorded on the share transfer books of the Company.

            (b) Each of the Shareholders, severally and not jointly, acknowledge
and agree:

                  (i) such Shareholder will not offer, sell, or otherwise
dispose of any shares of Common Stock except in compliance with the Securities
Act;

                  (ii) such Shareholder will not sell, transfer or otherwise
dispose of any shares of Common Stock unless (A) such sale, transfer or other
disposition is within the limitations of and in compliance with Rule 144
promulgated by the SEC under the Securities Act and the Shareholder furnishes
the Company with reasonable proof of compliance with such Rule, (B) in the
opinion of counsel, reasonably satisfactory to the Company and its counsel, some
other exemption from registration under the Securities Act is available with
respect to any such

                                       9



proposed sale, transfer, or other disposition of Common Stock or (C) the offer
and sale of Common Stock is registered under the Securities Act.

      4.2 RESTRICTIONS ON TRANSFER.

            (a) During an initial period of (i) one year following the Closing
with respect to F Co Parent and (ii) 180 days following the Closing with respect
to all Shareholders other than F Co Parent (each, an "Other Shareholder"), such
Shareholder shall not Transfer or agree to Transfer, or permit any of its
Affiliates to Transfer or agree to Transfer, directly or indirectly, any Voting
Securities; provided, however, that the foregoing restrictions shall not be
applicable to Transfers:

                  (A) by a Shareholder or any of its Affiliates to the Company
pursuant to Section 3.1(b);

                  (B) to an Affiliate of a Shareholder which agrees in writing
with the Company to be bound by this Agreement as if it were an initial
signatory hereto;

                  (C) by any Other Shareholder from and after the 90th day
following the Closing through the 180th day following the Closing, of up to 50%
of the Voting Securities owned by such Other Shareholder immediately after the
Effective Time;

                  (D) with the Company's prior written consent (approved by the
Requisite Independent Directors) or at the request of the Requisite Independent
Directors, provided, however, that any Transfer by F Co Parent or any of its
Affiliates pursuant to this clause (iv) shall also be subject to and conditioned
on the receipt of Unaffiliated Shareholder Approval; or

                  (E) by any Shareholder pursuant to a Sale of the Company;
provided, however, that in no event shall a Sale of the Company for such
purposes be deemed to include a Transfer by F Co Parent or its Affiliates of all
or any portion of the Voting Securities held by F Co Parent and its Affiliates
unless undertaken pursuant to a transaction or series of related transactions
that also involve the Transfer of at least 66.667% of the Voting Securities not
Beneficially Owned by F Co Parent and its Affiliates.

            (b) Each Shareholder (other than Evercore) agrees to notify F Co
Parent of its intentions to Transfer a substantial block of Voting Securities in
compliance with this Agreement, and if requested by F Co Parent, such
Shareholder will negotiate terms upon which such Shareholder would Transfer such
substantial block (or a portion thereof) to F Co Parent, but in no event shall
any Shareholder be obligated to Transfer any such Voting Securities to F Co
Parent or negotiate with F Co Parent with respect to such transfer for a period
longer than 3 days. Any Shareholder's obligation to negotiate with F Co Parent
under this Section 4.2(b) shall be conditioned upon F Co Parent's agreement to
hold as confidential and not to publicly disclose, prior to the closing of a
Transfer of the subject Voting Securities, any such notification or
negotiations. No Shareholder shall be obligated to notify F Co Parent of its
intentions to transfer Voting Securities if such Shareholder reasonably
believes, after consultation with legal counsel, that F Co Parent may have an
obligation under applicable law to disclose, prior to the closing of the
Transfer of the subject Voting Securities, the existence or contents of any
notification

                                       10



hereunder. Any Transfer by a Shareholder to its partners as a distribution in
kind shall not be subject to the requirements of this Section 4.2(b).

      4.3 LEGEND ON SECURITIES.

            (a) Each certificate representing shares of Common Stock
Beneficially Owned by a Shareholder or its Affiliates and subject to the terms
of this Agreement shall bear the following legends on the face thereof:

      "THE SECURITIES REPRESENTED BY THIS CERTIFICATE ARE SUBJECT TO
      RESTRICTIONS ON TRANSFER AND CERTAIN OTHER LIMITATIONS SET FORTH IN A
      CERTAIN SHAREHOLDERS AGREEMENT DATED AS OF SEPTEMBER 14, 2005, AMONG
      CERTEGY INC. (THE "COMPANY") AND CERTAIN OF ITS SHAREHOLDERS, AS THE SAME
      MAY BE AMENDED FROM TIME TO TIME (THE "AGREEMENT"), COPIES OF WHICH
      AGREEMENT ARE ON FILE AT THE PRINCIPAL OFFICE OF THE COMPANY."

      "THIS SECURITY HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933,
      AS AMENDED (THE "SECURITIES ACT"), AND MAY NOT BE OFFERED OR SOLD UNLESS
      IT HAS BEEN REGISTERED UNDER THE SECURITIES ACT OR UNLESS AN EXEMPTION
      FROM REGISTRATION IS AVAILABLE (AND, IN SUCH CASE, IF REQUESTED BY THE
      COMPANY, AN OPINION OF COUNSEL REASONABLY SATISFACTORY TO THE COMPANY
      SHALL HAVE BEEN DELIVERED TO THE COMPANY TO THE EFFECT THAT SUCH OFFER OR
      SALE IS NOT REQUIRED TO BE REGISTERED UNDER THE SECURITIES ACT)."

            (b) Upon any acquisition by a Shareholder or any of its Affiliates
of additional shares of Common Stock, such Shareholder shall, or shall cause
such Affiliate to, submit the certificates representing such shares of Common
Stock to the Company so that the legend required by this Section 4.3 may be
placed thereon (if not so endorsed upon issuance).

            (c) The Company may make a notation on its records or give
instructions to any transfer agents or registrars for the Common Stock in order
to implement the restrictions on Transfer set forth in this Agreement.

            (d) In connection with any Transfer of shares of Common Stock, the
transferor shall provide the Company with such customary certificates, opinions
and other documents as the Company may reasonably request to assure that such
Transfer complies fully with this Agreement and with applicable securities and
other laws.

                                       11



                                    ARTICLE 5
                                   GOVERNANCE

      5.1 NON-COMPETITION.

            (a) For a period (the "Term") commencing on the date hereof and
continuing until the first anniversary of the date (the "Separation Date") F Co
Parent and its Affiliates cease to Beneficially Own at least 30% of the
outstanding Voting Securities of the Company, F Co Parent agrees that it shall
not, and shall cause its Affiliates not to, directly or indirectly, own, manage,
operate, control or participate in the ownership, management, operation or
control, other than their ownership, operation and control of the Company and
its subsidiaries, any business, whether in corporate, proprietorship or
partnership form or otherwise, engaged in a Competitive Business. For purposes
of this Section 5.1, "Competitive Business" shall mean:

                  (i) providing (A) retail bank core processing systems, (B)
customer channel-solutions (online-retail and commercial, ATM, branch, teller
and call center), (C) consumer and commercial lending and servicing systems,
including mortgage loan origination and servicing systems, and (D) data center
outsourcing services to credit unions, community banks, thrifts, data centers,
banks and other financial institutions;

                  (ii) providing real estate tax, credit, flood, default and
appraisal services and multiple listing software and services to financial
institutions and loan servicers; or

                  (iii) credit card and debit card processing and back-office
support services to banks, credit unions, retailers and other third-party
businesses and check cashing and check risk management and related processing
products and services to businesses.

            (b) Notwithstanding the foregoing, nothing contained in this
Agreement shall prevent F Co Parent from:

                  (i) engaging in any of the activities set forth on Schedule 2
hereto ("Permitted Competitive Business Activity");

                  (ii) acquiring control of a business engaged in a Competitive
Business (an "Acquisition") and continuing to conduct such Competitive Business
if, and only if, F Co Parent first presents the opportunity to make the
Acquisition to the Board and the Requisite Independent Directors disclaim the
Company's interest in such opportunity after F Co Parent's disclosure of all
material facts concerning the opportunity then known to F Co Parent; provided
that, F Co Parent consummates the Acquisition on the same terms presented to the
Board. Notwithstanding the foregoing, nothing contained in this clause (b)(ii)
shall permit F Co Parent to conduct any activities that constitute a Competitive
Business through such acquired entity if such type of activities were not
conducted by the acquired entity at the time of the Acquisition;

                  (iii) acquiring control of a business (A) which earns less
than 10% of its annual revenues from engaging in a Competitive Business ("Minor
Competitive Activity"); provided, however that such Minor Competitive Activity
shall comprise less than 10% of the annual revenues of the acquired business
during the entire Term, or (B) which earns more than 10%, but less than 50% of
its annual revenues from engaging in a Competitive Business

                                       12



("Divestible Competitive Activity"); provided, however that such Divestible
Competitive Activity shall be offered to the Company within thirty (30) days
after closing the acquisition of such Divestible Competitive Activity at a price
equal to that paid by the F Co Parent or its Affiliate or, if such price was not
separately determined, at fair market value as determined by mutual consent of
the parties or a mutually agreed upon appraisal process; or

                  (iv) being a passive owner of less than five percent (5%) of
the outstanding stock of a corporation which is publicly traded and is engaged
in a Competitive Business.

      5.2 INTERCOMPANY AGREEMENTS AND RELATED MATTERS.

            (a) No material provision of any of the Intercompany Agreements or
any other contract or arrangement which involves payments by any party of more
than $250,000 annually in the aggregate, between the Company and any of its
Subsidiaries on the one hand and F Co Parent or its Affiliates on the other,
shall be amended, waived or otherwise modified in a manner adverse to the
Company unless approved in advance by the Requisite Independent Directors. No
obligation or liability of F Co Parent or any of its Affiliates to the Company
or any of its Subsidiaries in excess of $250,000 shall be waived, released,
compromised, or failed to be enforced by the Company and its Subsidiaries unless
such waiver, release, compromise or failure is approved in advance by the
Requisite Independent Directors

            (b) Neither the Company nor any of its Subsidiaries shall be
permitted to enter into or be a party to any transaction, contract or
arrangement which involves payments by any party of more than $250,000 annually
in the aggregate, with F Co Parent or any Subsidiary thereof, or any director,
officer or employee of, or any "associate" (as defined in Rule 12b-2 promulgated
under the Exchange Act) of any such person, except for transactions contemplated
by this Agreement, the Intercompany Agreements, and the Merger Agreement, unless
approved in advance by the Requisite Independent Directors.

      5.3 APPROVAL RIGHTS. Until F Co Parent and its Affiliates no longer
Beneficially Own Voting Securities representing at least 30% of the Total Voting
Power, the Company shall not take any of the following actions without the
consent of F Co Parent: (i) hiring and firing the Chief Executive Officer or
Chief Financial Officer of the Company; and (ii) approving the annual operating
and capital expenditure budget of the Company.

      5.4 COMPOSITION OF THE BOARD.

            (a) Effective as of the Effective Time, the authorized number of
Directors comprising the Board shall initially be 10, divided into three classes
as provided in the Charter, consisting of:

                  (i) three (3) individuals selected by the Board prior to the
filing date of the definitive Proxy Statement (as such term is defined in the
Merger Agreement) to occupy one seat in each of the three classes (the "C Co
Directors");

                  (ii) the individual then serving as the Chief Executive
Officer of the Company, for so long as such individual holds such position (who
shall be a Class 2 Director);

                                       13



                  (iii) four (4) individuals designated by F Co Parent prior to
the expected filing date of the definitive Proxy Statement, one of whom shall be
William P. Foley, II (the "F Co Parent Directors"), with Mr. Foley and one (1)
other F Co Parent Director to be Class 1 Directors, one (1) F Co Parent Director
to be a Class 2 Director, and one (1) F Co Parent Director to be a Class 3
Director;

                  (iv) one (1) individual designated by Thomas H. Lee Parallel
Fund V, L.P. (the "THL Director"), (who shall be a Class 1 Director), who shall
initially be Thomas M. Hagerty and who shall be such director so long as he is a
principal of THL (or equivalent or higher ranking employee of THL), provided
that any director replacing the initial THL Director shall always be an
individual who is a principal of THL (or equivalent or higher ranking employee
of THL); and

                  (v) one (1) individual designated by TPG Partners IV, L.P.
(the "TPG Director"), (who shall be a Class 3 Director), who shall initially be
Marshall Haines and who shall be such director so long as he is a principal of
TPG (or equivalent or higher ranking employee of TPG), provided that any
director replacing the initial TPG Directors shall always be an individual who
is a principal of TPG (or equivalent or higher ranking employee of TPG).

            (b) The Company and F Co Parent shall each provide written notice to
the other, not less than 5 Business Days prior to the expected filing date of
the definitive Proxy Statement of the individuals who shall be designated as the
initial three C Co Directors and the four F Co Parent Directors pursuant to
Section 5.4(a), provided, however, that if either the Company or F Co Parent has
not selected their respective nominees by such date, then notwithstanding the
foregoing, the Company or F Co Parent, as the case may be, shall instead provide
such notice at least 5 Business Days prior to the expected date of the Closing
(or if such period of notice is not practicable under the circumstances because
an individual who has been so designated is no longer available for such
service, such prior notice as is practicable), and provided, further that
designation of the initial C Co Directors shall be subject to the prior written
consent of F Co Parent, which consent shall not be unreasonably withheld.

            (c) Except as provided in Section 5.4(d), the size and composition
of the Board may thereafter be changed as permitted by and in accordance with
applicable law and the Charter and the Bylaws; provided, however, that none of F
Co Parent or its Affiliates shall vote its shares or otherwise act to remove any
person serving as a C Co Director prior to expiration of such Director's term
other than for cause.

            (d) Following the Effective Time, the Board shall include (i) the
individual then serving as the Chief Executive Officer of the Company, for so
long as such individual holds such position, (ii) the F Co Parent Directors, for
so long as F Co Parent remains a party to this Agreement; (iii) the THL
Director, for so long as THL owns at least one-third (33%) of the Voting
Securities held by it immediately after the Effective Time (subject to
adjustment for stock splits, combinations and similar events); (iv) the TPG
Director, for so long as TPG owns at least one-third (33%) of the Voting
Securities held by it immediately after the Effective Time (subject to
adjustment for stock splits, combinations and similar events); and (v) such
number of Independent Directors as is necessary to have in office at all times
not less than three (3) Independent Directors.

                                       14



            (e) Subject to subsection (d) above and until such time as such
Committees must be comprised entirely of Independent Directors in accordance
with the listing standards of the New York Stock Exchange, the Compensation
Committee of the Board shall include one of either the THL Director and the TPG
Director. The THL Director and TPG Director shall rotate their position on the
Compensation Committee each year.

            (f) No party shall designate a Director (i) who has been removed for
cause from the Board, (ii) has ever been convicted of a felony, or (iii) is or,
within 10 years prior to the date of designation, has been subject to any
permanent injunction for violation of any federal or state securities law.

      5.5 VOTING AGREEMENTS.

            (a) Each Shareholder (other than Evercore) hereby agrees that it
will vote, or cause to be voted, all Voting Securities over which such Person
has the power to vote or direct the voting (and which are entitled to vote on
such matter), and will take all other necessary or desirable actions within such
Person's control in favor of the election of each candidate designated or
nominated for election pursuant to Section 5.4. If at any time any such Director
ceases to serve on the Board (whether due to resignation, removal or otherwise),
the Company shall nominate and the Shareholders shall vote in favor of a
successor to fill the vacancy created thereby on the terms and subject to the
conditions of Section 5.4. Each Shareholder (other than Evercore) agrees to
vote, or cause to be voted, all Voting Securities over which such Person has the
power to vote or direct the voting, and shall take all such other actions as
shall be necessary or desirable to cause the designated successor to be elected
to fill such vacancy.

            (b) Nothing in this Agreement shall be construed to impair any
rights that the shareholders of the Company may have to remove any Director for
cause under applicable law, the Charter or Bylaws. No such removal of an
individual designated pursuant to Section 5.4 for cause shall affect any of the
Shareholders' rights to designate a different individual pursuant to Section 5.4
to fill the position from which such individual was removed.

      5.6 NYSE LISTING. Except following the completion of a Going Private
Transaction conducted in accordance with Section 3.2 or with the prior consent
of the Requisite Independent Directors, F Co Parent will not take or cause the
Company to take any action to delist, or that would reasonably be expected to
result in the delisting of, the Common Stock from a national securities
exchange; provided that nothing in this Section 5.5 shall require F Co Parent or
any of its Affiliates to take any affirmative action to prevent the Common Stock
from being delisted by any such national securities exchange in the event that
the Common Stock ceases to meet the applicable listing standards of such
national securities exchange.

                                    ARTICLE 6
                                  MISCELLANEOUS

      6.1 NOTICES. Any notice, direction or other communication to be given
under this Agreement shall be in writing and given by delivering it or sending
it by facsimile or other similar form of recorded communication addressed:

                                       15



         If to the Company (prior to the Effective Time):

                           Certegy Inc.
                           100 Second Avenue South
                           Suite 1100S
                           St. Petersburg, FL 33701
                           Attention: Walter M. Korchun
                           Facsimile: (727) 227-8558

                  with copies to:

                           Kilpatrick Stockton LLP
                           1100 Peachtree Street, Suite 2800
                           Atlanta, GA 30309
                           Attention: W. Stanley Blackburn, Esq.
                                      Bruce D. Wanamaker, Esq.
                           Facsimile: (404) 541-3132

                           and

                           Covington & Burling
                           1201 Pennsylvania Avenue, NW
                           Washington, DC 20004-7566
                           Attention Bruce S. Wilson
                           Facsimile: (202) 778-5400

                           and

                           Covington & Burling
                           1330 Avenue of the Americas
                           New York, NY 10019
                           Attention Stephen A. Infante
                           Facsimile: (646) 441-9039

         If to the Company (after the Effective Time):

                           Fidelity National Information Services, Inc
                           601 Riverside Avenue
                           Jacksonville, FL 32204
                           Attention: Christopher Rose
                           Facsimile No.: (904) 357-1026

                                       16



                  with copies to:

                           Weil, Gotshal & Manges LLP
                           100 Federal Street
                           Boston, MA 02110
                           Attention: James Westra, Esq.
                                      Marilyn French, Esq.
                           Facsimile: (617) 772-8333

                           Fidelity National Financial, Inc.
                           601 Riverside Avenue
                           Jacksonville, FL  32204
                           Attention: Christopher Rose
                           Facsimile: (904) 357-1026

                  If to F Co Parent:

                           Fidelity National Financial, Inc.
                           601 Riverside Avenue
                           Jacksonville, FL 32204
                           Attention: Christopher Rose
                           Facsimile: (904) 357-1026

                  If to THL:

                           Thomas H. Lee Partners, L.P.
                           100 Federal Street
                           Boston, MA 02110
                           Attention: Thomas Hagerty and Seth Lawry
                           Telephone: (617) 227-1050
                           Facsimile: (617) 227-3514

                  If to TPG:

                           Texas Pacific Group
                           301 Commerce Street
                           Suite 3300
                           Fort Worth, TX 76102
                           Attention: David Spuria, Esq.
                           Telephone: (817) 871-4000
                           Facsimile: (817) 871-4088

                                       17



                  If to Evercore:

                           Evercore Partners
                           55 East 52nd Street, 43rd Floor
                           New York, NY 10055
                           Attn: Neeraj Mital
                           Telephone: (212) 857-3197
                           Facsimile: (212) 857-3152

                  If for the Company or any of the Shareholders, with copies to:

                           Weil, Gotshal & Manges LLP
                           100 Federal Street
                           Boston, MA 02110
                           Attention: James Westra, Esq.
                                      Marilyn French, Esq.
                           Facsimile: (617) 772-8333

                  If for TPG, with copies to

                           Cleary Gottlieb Steen & Hamilton LLP
                           One Liberty Plaza
                           New York, NY 10006
                           Attention: David Leinwand, Esq.
                           Facsimile: (212) 225-3999

                  If for Evercore, with copies to:

                           Simpson Thacher & Bartlett LLP
                           425 Lexington Avenue
                           New York, NY 10017
                           Attention: Alan Schwartz
                           Facsimile: (212) 455-2502

Any such communication shall be deemed to have been validly and effectively
given (i) if personally delivered, on the date of such delivery if such date is
a business day and such delivery was made prior to 4:00 p.m. (New York time) and
otherwise on the next business day, or (ii) if transmitted by facsimile or
similar means of recorded communication on the business day following the date
of transmission. Any party may change its address for service from time to time
by notice given in accordance with the foregoing and any subsequent notice shall
be sent to such party at its changed address.

      6.2 AMENDMENTS; TERMINATION. This Agreement may be amended, supplemented
or otherwise modified only by written agreement of each of the following that
are then parties to this Agreement: the Company (acting with the approval of the
Requisite Independent Directors), F Co Parent, THL and TPG. Each party hereto
shall cease to be a party to this Agreement at such time as such party owns less
than 10% of the number of shares of Common Stock of the Company that such party
owns as of the date of the Closing and set forth on Schedule 3 hereto

                                       18



(as adjusted for any stock splits, stock dividends or equivalent transactions).
Except as otherwise provided in this Agreement, this Agreement and the rights
and obligations of the parties hereunder shall terminate upon the first date on
which F Co Parent and its Affiliates Beneficially Own either (i) Voting
Securities representing less than 10% of the Total Voting Power, or (ii) 90% or
more of each class of Capital Stock of which ownership would be required in
order to effect a merger pursuant to Section 14-2-1104 of the GBCC or any
successor provision (acquired in compliance with the terms of this Agreement).
This Agreement will terminate in respect of all Shareholders upon the
consummation of a Going Private Transaction or Sale of the Company. Nothing in
this Section 6.2 shall be deemed to release any party from any liability for any
willful and material breach of this Agreement occurring prior to the termination
hereof or to impair the right of any party to compel specific performance by any
other party of its obligations under this Agreement.

      6.3 WAIVER. No waiver of any of the provisions of this Agreement shall be
deemed to constitute a waiver of any other provision (whether or not similar)
nor shall such waiver be binding unless executed in writing by the party to be
bound by the waiver. No failure on the part of any party to exercise, and no
delay in exercising, any right under this Agreement shall operate as a waiver of
such right; nor shall any single or partial exercise of any such right preclude
any other or further exercise of such right of the exercise of any other right.
All actions and decisions of the Company relating to the enforcement of this
Agreement shall be exercised by or under the authority of the Requisite
Independent Directors.

      6.4 SUCCESSORS AND ASSIGNS. Neither this Agreement nor any of the rights
or obligations under this Agreement is assignable or transferable by any party
without the prior written consent of the other parties. This Agreement is
binding upon and inures to the benefit of the parties and their respective
successors and permitted assigns. For this purpose, a successor includes any
person that acquires control of all or substantially all the assets of one of
the parties.

      6.5 SEVERABILITY. In case any provision in this Agreement shall be held
invalid, illegal or unenforceable in any respect for any reason, the validity,
legality and enforceability of any such provision in every other respect and the
remaining provisions shall not in any way be affected or impaired thereby.

      6.6 GOVERNING LAW. This Agreement is governed by and interpreted and
enforced in accordance with the laws of the State of New York without regards to
principles of conflicts of law State (other then those provisions set forth
herein that are required to be governed by the GBCC). Each party hereto
irrevocably submits to the non-exclusive jurisdiction of the courts of the State
of New York with respect to any matters arising hereunder or relating hereto.

      6.7 COUNTERPARTS. This Agreement may be executed in any number of
counterparts and all such counterparts taken together are deemed to constitute
one and the same instrument.

      6.8 ENTIRE AGREEMENT. Except as otherwise expressly set forth herein, this
Agreement and the Merger Agreement, together with the several agreements and
other documents and instruments referred to herein or therein or annexed hereto
or thereto, embody the complete agreement and understanding among the parties
hereto with respect to the subject matter hereof and supersede and preempt any
prior understandings, agreements or representations by or among the parties,
written or oral, that may have related to the subject

                                       19



matter hereof in any way. Without limiting the generality of the foregoing, to
the extent that any of the terms hereof are inconsistent with the rights or
obligations of the Shareholders under any other agreement with the Company, the
terms of this Agreement shall govern.

      6.9 ESTOPPEL. No failure or delay in exercising any right, power or
privilege under this Agreement will operate as a waiver thereof, nor will any
single or partial exercise thereof preclude any other or further exercise
thereof or the exercise of any right, power or privilege under this Agreement.

      6.10 CONFLICTING AGREEMENTS. Each party represents and warrants that it
has not granted and is not a party to any proxy, voting trust or other agreement
that is inconsistent with or conflicts with any provision of this Agreement.

      6.11 EFFECTIVENESS. Except for the provisions of Sections 5.4(a)(i),
5.4(a)(iii) and 5.4(b) (relating to the designation of the individuals to serve
as the initial C Co Directors and F Co Parent Directors), which are in full
force and effect as of the date hereof, this Agreement shall become effective
upon the Closing and prior thereto shall be of no force or effect. If the Merger
Agreement shall be terminated in accordance with its terms prior to the Closing,
this Agreement (including the provisions of Section 5.4) shall automatically be
of no force or effect.

                                    * * * * *

                                       20



      IN WITNESS WHEREOF, the parties hereto have executed this Shareholders
Agreement on the day and year first above written.

                            COMPANY:

                            CERTEGY INC.

                            By:/s/ Lee A. Kennedy
                               Name: Lee A. Kennedy
                               Title: Chairman and Chief Executive Officer

                            SHAREHOLDERS:

                            FIDELITY NATIONAL FINANCIAL, INC.

                            By:/s/ William P. Foley, II
                               Name: William P. Foley, II
                               Title: Chairman and Chief Executive Officer

                            THL FNIS HOLDINGS, LLC

                            By: THL Equity Advisors V, LLC, its manager
                            By: Thomas H. Lee Partners, L.P., its sole member
                            By: Thomas H. Lee Advisors LLC, its general partner

                            By:/s/ Thomas H. Lee
                               Name: Thomas H. Lee
                               Title: Managing Director

                            THOMAS H. LEE CAYMAN FUND V, L.P.

                            By: THL Equity Advisors V, LLC, its general partner
                            By: Thomas H. Lee Partners, L.P., its sole member
                            By: Thomas H. Lee Advisors LLC, its general partner

                            By:/s/ Thomas H. Lee
                               Name: Thomas H. Lee
                               Title:  Managing Director

                            THOMAS H. LEE INVESTORS LIMITED
                            PARTNERSHIP

                            By: THL Investment Management Corp., its
                                general partner

                            By:/s/ Thomas H. Lee
                               Name: Thomas H. Lee
                               Title: Chief Executive Officer



                     PUTNAM INVESTMENTS EMPLOYEES' SECURITIES COMPANY I LLC

                     By: Putnam Investment Holdings, LLC, its
                         managing member
                     By: Putnam Investments, LLC, its managing member

                     By: /s/ Robert Burns
                        Name: Robert Burns
                        Title: Managing Director

                     PUTNAM INVESTMENTS EMPLOYEES' SECURITIES COMPANY
                     II LLC

                     By: Putnam Investment Holdings, LLC, its managing member
                     By: Putnam Investments, LLC, its managing member

                     By: /s/ Robert Burns
                        Name: Robert Burns
                        Title: Managing Director

                     PUTNAM INVESTMENT HOLDINGS, LLC

                     By: Putnam Investments, LLC, its managing member

                     By: /s/ Robert Burns
                        Name: Robert Burns
                        Title: Managing Director

                     TPG FNIS HOLDINGS, LLC

                     By: TPG GenPar III, L.P.
                     By: TPG Advisors III, Inc.

                     By: /s/ David A. Spuria
                        Name: David A. Spuria
                        Title: Vice President

                     TPG PARALLEL III, L.P.

                     By: TPG GenPar III, L.P.
                     By: TPG Advisors III, Inc.

                     By:/s/ David A. Spuria
                        Name: David A. Spuria
                        Title: Vice President




                            TPG INVESTORS III, L.P.

                            By: TPG GenPar III, L.P.
                            By: TPG Advisors III, Inc.

                            By: /s/ David A. Spuria
                               Name: David A. Spuria
                               Title: Vice President

                            FOF PARTNERS III, L.P.

                            By: TPG GenPar III, L.P.
                            By: TPG Advisors III, Inc.

                            By: /s/ David A. Spuria
                               Name: David A. Spuria
                               Title: Vice President

                            FOF PARTNERS III-B, L.P.

                            By: TPG GenPar III, L.P.
                            By: TPG Advisors III, Inc.

                            By: /s/ David A. Spuria
                               Name: David A. Spuria
                               Title: Vice President

                            TPG DUTCH PARALLEL III, C.V.

                            By: TPG GenPar Dutch, L.L.C.
                            By: TPG Genpar III, L.P.
                            By: TPG Advisors III, Inc.

                            By: /s/ David A. Spuria
                               Name: David A. Spuria
                               Title: Vice President

                            EVERCORE METC CAPITAL PARTNERS II L.P.

                            By: Evercore Partners II L.L.C., its General Partner

                            By: /s/ Kathleen G. Reiland
                               Name: Kathleen G. Reiland
                               Title: Senior Managing Partner



                                   SCHEDULE 1

                             INTERCOMPANY AGREEMENTS

Corporate Services Agreement dated March 4, 2005 between F Co Parent and Company

Reverse Corporate Services Agreement dated March 4, 2005 between F Co Parent and
Company

Tax Matters Agreement dated March 4, 2005 between F Co Parent and Company

Employee Matters Agreement dated March 4, 2005 between F Co Parent and Company

Intellectual Property Cross License Agreement dated March 4, 2005 between F Co
Parent and Company

Starters Repository Access Agreement dated March 4, 2005 between F Co Parent and
Company

Property Insight -- Master Title Plan Access Agreement dated March 4, 2005
between Property Insight and Subsidiaries of F Co Parent

Title Plant Maintenance Agreement dated March 4, 2005 among Property Insight,
LLC, Security Union Title Insurance Company, Chicago Title Insurance Company and
Ticor Title Insurance Company

Title Plant Management Agreement dated March 4, 2005 between Property Insight,
LLC and Ticor Title Insurance Company of Florida

Cost Sharing Agreement dated March 4, 2005 among Rocky Mountain Support
Services, Inc., Security Union Title Insurance Company, Chicago Title Insurance
Company, Ticor Title Insurance Company and certain other Subsidiaries of F Co
Parent

Master Services Agreement dated January 1, 2005 between F Co Parent and Fidelity
Information Services, Inc.

Titlepoint Software Development & Property Allocation Agreement dated March 4,
2005 between Rocky Mountain Support Services, Inc. and Property Insight, LLC

eLender Solutions Software Development & Property Allocation Agreement dated
March 4, 2005 between Rocky Mountain Support Services, Inc. and LSI Title
Company

Softpro Software License Agreement dated March 4, 2005 between F Co Parent and
Fidelity National Information Solutions, Inc.

Team Software License Agreement dated March 4, 2005 between Rocky Mountain
Support Services, Inc. and Fidelity National Tax Service, Inc.

Simon Software License Agreement dated March 4, 2005 between Rocky Mountain
Support Services, Inc. and Fidelity National Tax Service, Inc.



OTS & OTS Gold Software License Agreement dated March 4, 2005 between Rocky
Mountain Support Services, Inc. and Fidelity National Tax Service, Inc.

Cross Conveyance and Joint Ownership Agreement dated March 4, 2005 between LSI
Title Company and Rocky Mountain Support Services, Inc.

License and Services Agreement dated March 4, 2005 between F Co Parent and
Company

Back Plant Repository Access Agreement dated March 4, 2005 between F Co Parent
and Company

Lease Agreement January 1, 2005 between Company and F Co Parent



                                   SCHEDULE 2

Title insurance underwriting

Title insurance agency services

Escrow and closing services

Title insurance on foreclosure transactions

Sales of title information

Title plant maintenance

Title and escrow system software development and sales of software

Title recording services

Real estate information sold in connection with providing title and escrow
services

Relocation services

Real estate appraisal services(1)

Property inspection services

Any insurance business

Real estate default and foreclosure services(1)

Loan processing and fulfillment services conducted by F Co Parent Canada for
banks in Canada.(1)

- ----------
(1)   Such activities are Permitted Competitive Business Activities only if and
so long as they do not constitute a material amount of F Co Parent's revenues.



                                   SCHEDULE 3



                        Name                                           Number of Subject Shares
                   of Shareholder                                   Owned of Record or Beneficially
- -------------------------------------------------------             -------------------------------
                                                                 
THL FNIS Holdings, LLC
Thomas H, Lee Equity (Cayman) Fund V, L.P.
Putnam Investment Holdings, LLC
Putnam Investments Employees' Securities Company I LLC
Putnam Investments Employees' Securities Company II LLC
Thomas H. Lee Investors Limited Partnership
TPG FNIS Holdings, LLC
TPG Parallel III, L.P.
TPG Investors III, L.P.
FOF Partners III, L.P.
FOF Partners III-B, L.P.
TPG Dutch Parallel III, C.V.
Evercore METC Capital Partners II, L.P.
Fidelity National Financial, Inc.
                                                                                -------------------
Total
                                                                                ===================

EX-10.2

                                                                    EXHIBIT 10.2

                                    EXHIBIT B

                              COMMITMENT AGREEMENT

      COMMITMENT AGREEMENT dated as of September 14, 2005 (this "Agreement")
among Certegy, Inc., a Georgia corporation ("C Co") and the persons listed on
SCHEDULE A hereto (each, a "Stockholder" and, collectively, the "Stockholders").

      WHEREAS, C Co, C Co Merger Sub, LLC, a Delaware limited liability company
and a direct wholly owned subsidiary of C Co ("Merger Co"), and Fidelity
National Information Services, Inc., a Delaware corporation ("F Co") propose to
enter into an Agreement and Plan of Merger dated as of the date hereof (as the
same may be amended or supplemented, the "Merger Agreement"; capitalized terms
used but not defined herein shall have the meanings set forth in the Merger
Agreement);

      WHEREAS each Stockholder owns the number of shares of F Co Common Stock
set forth opposite its name on SCHEDULE A hereto (such shares of F Co Common
Stock, together with any other shares of capital stock of F Co acquired by such
Stockholder after the date hereof and during the term of this Agreement, being
collectively referred to herein as the "Subject Shares" of such Stockholder);
and

      WHEREAS, as a condition to its willingness to enter into the Merger
Agreement, C Co has requested that each Stockholder enter into this Agreement.

      NOW, THEREFORE, the parties hereto agree as follows:

      SECTION 1. Representations and Warranties of Each Stockholder. Each
Stockholder hereby, severally and not jointly, represents and warrants to C Co
as of the date hereof in respect of himself, herself or itself as follows:

            (a) Organization; Authority; Execution and Delivery; No Conflicts;
Enforceability. The Stockholder is duly organized, validly existing and in good
standing under the laws of the jurisdiction in which it is organized. The
Stockholder has all requisite power and authority to execute and deliver this
Agreement and the written consent in the form attached as Exhibit J to the
Merger Agreement (the "Stockholder Consent") and to perform its obligations
hereunder and comply with the terms hereof. The execution and delivery by the
Stockholder of this Agreement and its Stockholder Consent and the performance of
its obligations hereunder and compliance with the terms hereof have been duly
authorized by all necessary action on the part of the Stockholder. The
Stockholder has duly executed and delivered this Agreement, and this Agreement
constitutes the legal, valid and binding obligation of the Stockholder,
enforceable against the Stockholder in accordance with its terms. The execution
and delivery by the Stockholder of this Agreement do not, and the execution and
delivery by the Stockholder of its Stockholder Consent and the performance of
its obligations hereunder and compliance with the terms hereof will not,
conflict with, or result in any violation of, or default (with or without notice
or lapse of time, or both) under, or give rise to a right of termination,
cancellation or acceleration of any obligation or loss of a material benefit
under, or result in the creation of any Lien (other than Liens created pursuant
to this Agreement) upon any of the assets of the Stockholder under, any
provision of (i) any organizational documents of the Stockholder, (ii) any



Contract to which the Stockholder is a party or by which assets of the
Stockholder are bound or (iii) subject to the filings and other matters referred
to in the next sentence, any provision of any stature, law, ordinance,
regulation, rule, code, executive order, judgment, injunction, decree or other
order ("Law") applicable to the Stockholder or the assets of the Stockholder,
other than, in the case of clauses (ii) and (iii) above, any such items that,
individually or in the aggregate, have not materially impaired or delayed, and
are not reasonably likely to materially impair or delay, the Stockholder's
ability to perform its obligations hereunder or comply with the terms hereof. No
Consent of, or registration, declaration or filing with, any Governmental
Authority is required to be obtained or made by or with respect to the
Stockholder in connection with the execution, delivery and performance of this
Agreement or the execution and delivery of its Stockholder Consent or the
performance of its obligations hereunder or the compliance with the terms hereof
other than (x) compliance with and filings under the HSR Act, (y) the filing
with the SEC of such reports under the Exchange Act as may be required in
connection with this Agreement and (z) such other Consents, registrations,
declarations or filings that are contemplated by the Merger Agreement or the
failure of which to obtain or make are not, individually or in the aggregate,
reasonably likely to materially impair or delay the Stockholder's ability to
perform its obligations hereunder or comply with the terms hereof.

            (b) The Subject Shares. The Stockholder is the record and beneficial
owner of, and has good and marketable title to, the Subject Shares set forth
opposite its name on SCHEDULE A attached hereto, free and clear of any Liens
(other than Liens created pursuant to the terms of this Agreement or arising
under federal or state securities Laws). The Stockholder does not own, of record
or beneficially, any shares of capital stock of F Co other than the Subject
Shares set forth opposite its name on SCHEDULE A attached hereto. The
Stockholder has the sole right to vote such Subject Shares, none of such Subject
Shares is subject to any voting trust or other agreement, arrangement or
restriction with respect to the voting or the Transfer (as defined below) of
such Subject Shares, except as contemplated by this Agreement, and except as set
forth in the Stockholders Agreement, dated as of March 9, 2005, among F Co. and
the Stockholders (the "F Co Stockholders Agreement"), and the Stockholder hereby
(i) waives any rights it may have under the F Co Stockholders Agreement that
would in any way limit the ability of the other Stockholders to perform their
respective obligations under this Agreement, and (ii) agrees that it will take
such action as is necessary to cause the F Co Stockholders Agreement to be
terminated immediately prior to consummation of the Merger.

            (c) Investor Representations. The Stockholder acknowledges that the
C Co Common Stock to be issued pursuant to the Merger Agreement initially will
not be registered under the Securities Act in reliance on the exemptions from
the registration requirements of Section 5 of the Securities Act set forth in
Section 4(2) thereof and Regulation D promulgated thereunder. In connection
therewith: (i) the Stockholder hereby represents and warrants to C Co that (A)
it is an "accredited investor" as such term is defined under the Securities Act,
or, alternatively, has such knowledge and experience in financial and business
matters to be capable of evaluating the merits and risks of an investment in C
Co and the C Co Common Stock, and (B) the shares of C Co Common Stock to be
issued to such Stockholder pursuant to the Merger Agreement are being purchased
for investment for the account of such Stockholder and without the intent of
participating directly or indirectly in a distribution of such shares in
violation of the Securities Act or other applicable securities laws; (ii) in
addition to any legend imposed by applicable state securities laws, the
certificates representing the shares of C Co Common Stock

                                       2



to be issued pursuant to the Merger Agreement will bear the restrictive legends
set forth in the Merger Agreement and the Shareholders Agreement, and stop
transfer orders shall be placed against the transfer thereof with C Co's
transfer agent; and (iii) the shares of C Co Common Stock to be issued pursuant
to the Merger will be subject to transfer restrictions imposed by federal and
state securities laws, and as set forth in the Shareholders Agreement or the
Lock-Up Agreement, as applicable.

      SECTION 2. Additional Representations and Warranties of F Co Parent. In
addition to the representations and warranties made under Section 2 hereof,
Fidelity National Financial, Inc., a Delaware corporation ("F Co Parent"),
hereby represents and warrants to C Co as of the date hereof as follows:

            (a) Information Supplied. None of the information supplied by the F
Co Parent for inclusion or incorporation by reference in the Proxy Statement or
the Other Filings will, in the case of the Proxy Statement, at the date it is
first mailed to C Co's shareholders or at the time of the C Co Shareholders'
Meeting or at the time of any amendment or supplement thereof, or, in the case
of any Other Filing, at the date it is first mailed to C Co's shareholders or,
at the date it is first filed with the SEC, contain any untrue statement of a
material fact or omit to state any material fact required to be stated therein
or necessary in order to make the statements therein, in light of the
circumstances under which they are made, not misleading. No representation is
made by F Co Parent with respect to statements made or incorporated by reference
therein based on information supplied by C Co in connection with the preparation
of the Proxy Statement or the Other Filings for inclusion or incorporation by
reference therein. All Other Filings that are filed by F Co Parent will comply
as to form in all material respects with the requirements of the Exchange Act
and the rules and regulations promulgated thereunder.

            (b) Brokers. No broker, finder or investment banker other than Bear,
Stearns & Co, Inc. and Stephens Inc. is entitled to any brokerage, finder's or
other fee or commission in connection with the transactions contemplated by the
Merger Agreement based upon arrangements made by or on behalf of F Co Parent.

      SECTION 3. Representations and Warranties of C Co. C Co hereby represents
and warrants to each Stockholder and F Co as follows: C Co is duly organized,
validly existing and in good standing under the laws of the State of Georgia. C
Co has all requisite corporate power and authority to execute and deliver this
Agreement. The execution and delivery by C Co of this Agreement has been duly
authorized by all necessary action on the part of C Co. C Co has duly executed
and delivered this Agreement, and this Agreement constitutes the legal, valid
and binding obligation of C Co, enforceable against C Co in accordance with its
terms. The execution and delivery by C Co of this Agreement do not and
compliance with the terms hereof will not, conflict with, or result in any
violation of, or default (with or without notice or lapse of time, or both)
under, or result in the creation of any Lien upon any of the properties or
assets of C Co under, any provision of (i) any organizational documents of C Co,
(ii) any Contract to which C Co is a party or by which any assets of C Co are
bound or (iii) subject to the filings and other matters referred to in the next
sentence, any provision of any Law applicable to C Co or the assets of C Co,
other than, in the case of clauses (ii) and (iii) above, any such items that,
individually or in the aggregate, have not, and are not reasonably likely to,
materially impair or delay C Co's ability to consummate the transactions
contemplated by the Merger Agreement.

                                       3



No Consent of, or registration, declaration or filing with, any Governmental
Authority is required to be obtained or made by or with respect to C Co in
connection with the execution, delivery and performance of this Agreement or the
performance of its obligations hereunder or the compliance with the terms hereof
other than (x) compliance with and filings under the HSR Act, (y) the filing
with the SEC of such reports under the Exchange Act as may be required in
connection with this Agreement and (z) such other Consents, registrations,
declarations or filings that are contemplated by or disclosed pursuant to the
Merger Agreement or the failure of which to obtain or make are not, individually
or in the aggregate, reasonably likely to materially impair or delay C Co's
ability to perform its obligations hereunder or comply with the terms hereof.

      SECTION 4. Covenants of Each Stockholder. Each Stockholder, severally and
not jointly, covenants and agrees as follows:

            (a) Immediately following the execution and delivery of the Merger
Agreement, the Stockholder shall execute and deliver the Stockholder Consent to
the Company. The Stockholder will not thereafter revoke or modify, or encourage
other Stockholders to revoke or modify, the Stockholder Consent, and the
Stockholder will not thereafter execute another written consent or vote (or
cause to be voted) the Subject Shares of the Stockholder for any proposal that
will approve any action in conflict with the Stockholder Consent or that would
otherwise be reasonably likely to impede, frustrate, prevent or nullify any
provision of the Merger Agreement, the Merger or the consummation of any of the
transactions contemplated hereby or thereby.

            (b) The Stockholder shall not Transfer, or consent to or permit any
Transfer of, any Subject Shares or any interest therein, or enter into any
Contract, option or other arrangement with respect to the Transfer (including
any profit sharing or other derivative arrangement) of any Subject Shares or any
interest therein, to any person other than pursuant to the Merger Agreement,
other than pursuant to this Agreement or another Ancillary Agreement, and shall
not commit or agree to take any of the foregoing actions. Transfer" means,
directly or indirectly, to sell, transfer, assign, pledge, encumber, hypothecate
or similarly dispose of (by operation of law or otherwise), either voluntarily
or involuntarily, or to enter into any contract, option or other arrangement
with respect to the sale, transfer, assignment, pledge, encumbrance,
hypothecation or similar disposition of (by operation of law or otherwise), any
Subject Shares; provided, however, that a merger, consolidation or similar
business combination transaction in which F Co Parent is a constituent
corporation (or otherwise a party including, for the avoidance of doubt, a
transaction pursuant to which a Person acquires all or a portion of F Co
Parent's outstanding capital stock, whether by tender or exchange offer, by
share exchange, or otherwise) shall not be deemed to be the Transfer of any
Subject Shares beneficially owned by F Co Parent or any of its Subsidiaries,
provided that the primary purpose of any such transaction is not to avoid the
provisions of this Agreement and that the successor or surviving person to such
a merger, consolidation or similar business combination transaction, if not F Co
Parent, expressly assumes all obligations of F Co Parent under this Agreement.
For purposes of this Agreement, the term Transfer shall include the sale of an
Affiliate of F Co Parent or F Co Parent's interest in an Affiliate that
beneficially owns Subject Shares unless such Transfer is in connection with a
merger, amalgamation, plan of arrangement or consolidation or similar business
combination transaction referred to in the first proviso of the previous
sentence.

                                       4



            (c) At or prior to the Closing, the Stockholder shall execute and
deliver each Ancillary Agreement to which it has been designated to become a
party thereto pursuant to the Merger Agreement.

            (d) Each Stockholder hereby agrees that effective immediately prior
to the Effective Time, each of (i) the Stockholders Agreement, dated as of March
9, 2005, by and among the F Co and the Stockholders, and (ii) the Registration
Rights Agreement, dated as of March 9, 2005, by and among F Co and the
Stockholders shall be automatically terminated without any further action on the
part of any party hereto, and thereafter such Stockholders Agreement and
Registration Rights Agreement shall be of no further force or effect. TPG GenPar
IV, L.P. agrees that effective immediately prior to the Effective Time, that the
Management Agreement, dated as of March 9, 2005, by and between F Co and TPG
GenPar IV, L.P. shall be automatically terminated without any further action on
the part of any party hereto, and thereafter such Management Agreement shall be
of no further force or effect. THL Managers V, LLC agrees that effective
immediately prior to the Effective Time, that the Management Agreement, dated as
of March 9, 2005, by and between F Co and THL Managers V, LLC shall be
automatically terminated without any further action on the part of any party
hereto, and thereafter such Management Agreement shall be of no further force or
effect. Evercore Advisors L.L.C. agrees that effective immediately prior to the
Effective Time, that the Management Agreement, dated as of March 9, 2005, by and
between F Co and Evercore Advisors L.L.C. shall be automatically terminated
without any further action on the part of any party hereto, and thereafter such
Management Agreement shall be of no further force or effect.

            (e) Each Stockholder (other than F Co Parent) hereby agrees that,
effective as of the Effective Time and thereafter, such Stockholder shall have
no rights to approve or veto any changes or amendments to the Intercompany
Agreements.

      SECTION 5. Additional Covenants of F Co Parent. F Co Parent covenants and
agrees as follows:

            (a) As promptly as practicable following the date of this Agreement
F Co Parent shall, or shall cause its affiliates to, prepare and file with the
SEC all Other Filings that are required to be filed by it in connection with the
transactions contemplated by the Merger Agreement. F Co Parent shall timely
furnish all information concerning itself and its affiliates that is required to
be included in the Proxy Statement or, to the extent applicable, the Other
Filings, or that is customarily included in proxy statements or other filings
prepared in connection with transactions of the type contemplated by the Merger
Agreement. F Co Parent shall use its reasonable best efforts to respond as
promptly as practicable to any comments of the SEC with respect to the Other
Filings. F Co Parent shall promptly notify C Co upon the receipt of any comments
from the SEC or its staff or any request from the SEC or its staff for
amendments or supplements to the Other Filings, and shall provide C Co with
copies of all correspondence between it and its Representatives, on the one
hand, and the SEC and its staff, on the other hand relating to the Other
Filings. If at any time prior to the C Co Shareholders' Meeting, any information
relating to F Co Parent or any of its affiliates, officers or directors, should
be discovered by F Co Parent which should be set forth in an amendment or
supplement to the Proxy Statement or the Other Filings, so that the Proxy
Statement or the Other Filings shall not contain any untrue statement of a
material fact or omit to state any material fact required to

                                       5



be stated therein or necessary in order to make the statements therein, in light
of the circumstances under which they are made, not misleading, it shall
promptly notify C Co so that an appropriate amendment or supplement describing
such information shall be filed with the SEC and, to the extent required by
applicable law, disseminated to the shareholders of C Co. Notwithstanding
anything to the contrary stated above, prior to filing the Other Filings (or any
amendment or supplement thereto) or responding to any comments of the SEC with
respect thereto, F Co Parent shall provide C Co an opportunity to review and
comment on such document or response.

            (b) F Co Parent shall take such action as is necessary by it to
amend the Intercompany Agreements in the manner contemplated by Section 6.16 of
the Merger Agreement on or prior to the Effective Time.

            (c) F Co Parent shall not issue any press release or make any other
public statement with respect to the Merger Agreement, this Agreement, any other
Ancillary Agreement, the Merger or any other transaction contemplated hereby or
thereby without the prior consent of C Co, except as may be required by
applicable law, requirements of the NYSE or court process after using its
reasonable best efforts to consult with C Co and providing it with a reasonable
opportunity for review and comment on such press release or other public
statement to the extent practicable.

            (d) F Co Parent shall give prompt notice to C Co of (i) the
occurrence, or non-occurrence, of any event the occurrence, or non-occurrence,
of which could reasonably be expected to cause a breach of any of the
representations and warranties set forth in Sections 2 or 3 hereof, (ii) any
failure of F Co Parent to comply with or satisfy any covenant or agreement to be
complied with or satisfied by it hereunder. In addition, F Co Parent shall give
prompt written notice to C Co of any notice or other communication (x) from any
person and the response thereto of F Co Parent or its Representatives alleging
that the consent of such person is or may be required in connection with the
Merger Agreement or the Merger, and (y) from any Governmental Authority and the
response thereto of F Co Parent or its Representatives in connection with the
Merger Agreement or the Merger.

            (e) Except as contemplated by any provision of the Merger Agreement,
as required by law, or as set forth in Section 5.02 of the F Co Disclosure
Schedule, F Co Parent will not, between the date of this Agreement and the
Effective Time, without the prior written consent of C Co (which consent shall
not be unreasonably withheld or delayed) take any action that, to the knowledge
of F Co Parent, would reasonably be likely to prevent or materially delay
satisfaction of the conditions contained in Section 7.01 or 7.02 of the Merger
Agreement or the consummation of the Merger.

            (f) F Co Parent agrees to use its reasonable best efforts to (i)
take, or cause to be taken, all appropriate action, and to do, or cause to be
done, all things necessary, proper or advisable under applicable law or
otherwise required of it in order to consummate the Merger, (ii) obtain from
Governmental Authorities any consents, licenses, permits, waivers, approvals,
authorizations or orders required to be obtained by it in connection with the
authorization, execution and delivery of this Agreement, or in connection with
the Merger and the transactions contemplated by the Merger Agreement, (iii)
execute and deliver, or cause to be executed and

                                       6



delivered, such additional or further consents, documents and other instruments
as C Co may reasonably request for the purpose of effectively carrying out the
transactions contemplated by this Agreement. In addition, F Co Parent agrees
that it will cooperate fully (including, without limitation, by providing all
information reasonably requested of it) with the other parties in promptly
seeking to obtain all authorizations, consents, orders and approvals required to
be obtained by C Co and F Co in order to effect the Merger, including without
limitation those required under the HSR Act or any other applicable antitrust,
competition or fair trade laws with respect to the Merger.

      SECTION 6. Indemnification.

            (a) Each Stockholder and F Co shall execute and deliver an amendment
to that certain Amended & Restated Stock Purchase Agreement, dated as of March
8, 2005, among F Co and the Stockholders in the form of EXHIBIT A attached
hereto, on or prior to the Effective Time.

            (b) F Co Parent shall, without limitation as to time, indemnify and
hold harmless, to the fullest extent permitted by law, C Co, F Co, their
respective officers, directors, agents, and employees (each, an "Indemnified
Party"), to the fullest extent lawful, from and against any and all losses,
claims, damages, liabilities, actions or proceedings (whether commenced or
threatened), reasonable costs (including, without limitation, reasonable costs
of preparation and reasonable attorneys' fees) and reasonable expenses
(including reasonable expenses of investigation) (collectively, "Losses"), as
incurred, arising or resulting from, whether such Losses arise or accrue prior
to, on or following the Effective Time, any untrue or alleged untrue statement
of a material fact contained in any Proxy Statement, whether preliminary or
definitive, or in any amendment or supplements thereto, or any Other Filing, or
arising out of or based upon any omission or alleged omission of a material fact
required to be stated therein or necessary to make the statements therein not
misleading, to the extent, but only to the extent, that such untrue or alleged
untrue statement is contained in, or such omission or alleged omission is
required to be contained in, any information that F Co Parent furnished in
writing to C Co expressly for use in any such Proxy Statement or which C Co
incorporated by reference from F Co Parent's SEC Reports. Each indemnity and
reimbursement of costs and expenses shall remain in full force and effect
regardless of any investigation made by or on behalf of such Indemnified Party.

            (c) C Co shall, without limitation as to time, indemnify and hold
harmless, to the fullest extent permitted by law, F Co Parent and its respective
officers, directors, agents, and employees (each, an "F Co Parent Indemnified
Party"), to the fullest extent lawful, from and against any and all losses,
claims, damages, liabilities, actions or proceedings (whether commenced or
threatened), reasonable costs (including, without limitation, reasonable costs
of preparation and reasonable attorneys' fees) and reasonable expenses
(including reasonable expenses of investigation) (collectively, "F Co Parent
Losses"), as incurred, arising or resulting from, whether such F Co Parent
Losses arise or accrue prior to, on or following the Effective Time, any untrue
or alleged untrue statement of a material fact contained in any Proxy Statement,
whether preliminary or definitive, or in any amendment or supplements thereto,
or any Other Filing, or arising out of or based upon any omission or alleged
omission of a material fact required to be stated therein or necessary to make
the statements therein not misleading, to

                                       7



the extent, but only to the extent, that such untrue or alleged untrue statement
is contained in, or such omission or alleged omission is required to be
contained in, any information that C Co furnished for use in any such Proxy
Statement. Each indemnity and reimbursement of costs and expenses shall remain
in full force and effect regardless of any investigation made by or on behalf of
such F Co Parent Indemnified Party.

      SECTION 7. Termination. This Agreement shall terminate upon the earliest
of (i) the Effective Time and (ii) the termination of the Merger Agreement in
accordance with its terms, other than with respect to the liability of any party
for breach hereof prior to such termination.

      SECTION 8. Additional Matters.

            (a) Each Stockholder shall, from time to time, execute and deliver,
or cause to be executed and delivered, such additional or further consents,
documents and other instruments as C Co may reasonably request for the purpose
of effectively carrying out the transactions contemplated by this Agreement and
the Merger Agreement.

            (b) Each Stockholder signs solely in its capacity as the record
holder and beneficial owner of such Stockholder's Subject Shares and nothing
herein shall limit or affect any actions taken by a partner or an officer,
employee or agent of a Stockholder, in his or her capacity as an officer or
director of F Co in exercising his or her rights under the Merger Agreement to
the extent that such actions are expressly and specifically permitted under the
Merger Agreement.

      SECTION 9. General Provisions.

            (a) Amendments. This Agreement may not be amended except by an
instrument in writing signed by each of the parties hereto.

            (b) Notice. All notices and other communications hereunder shall be
in writing and shall be deemed given if delivered personally or sent by
overnight courier (providing proof of delivery) to C Co in accordance with
Section 9.02 of the Merger Agreement and to the Stockholders at their respective
addresses set forth on SCHEDULE A hereto (or at such other address for a party
as shall be specified by like notice).

            (c) Interpretation. When a reference is made in this Agreement to a
Section or Schedule, such reference shall be to a Section of, or Schedule to,
this Agreement unless otherwise indicated. The headings contained in this
Agreement are for reference purposes only and shall not affect in any way the
meaning or interpretation of this Agreement. Whenever the words "include",
"includes" or "including" are used in this Agreement, they shall be deemed to be
followed by the words "without limitation". The words "hereby", "hereof",
"herein" and "hereunder" and words of similar import when used in this Agreement
shall refer to this Agreement as a whole and not to any particular provision of
this Agreement. The words "date hereof" shall refer to the date of this
Agreement. The term "or" is not exclusive. The word "extent" in the phrase "to
the extent" shall mean the degree to which a subject or other thing extends, and
such phrase shall not mean simply "if". The definitions contained in this
Agreement are applicable to the singular as well as the plural forms of such
terms. Any agreement or instrument defined or referred to herein or in any
agreement or instrument that is

                                       8



referred to herein means such agreement or instrument as from time to time
amended, modified or supplemented unless otherwise specified. References to a
person are also to its permitted successors and assigns.

            (d) Severability. If any term or other provision of this Agreement
is invalid, illegal or incapable of being enforced by any rule or Law, or public
policy, all other conditions and provisions of this Agreement shall nevertheless
remain in full force and effect so long as the economic or legal substance of
the transactions contemplated hereby is not affected in any manner materially
adverse to any party. Upon such determination that any term or other provision
is invalid, illegal or incapable of being enforced, the parties hereto shall
negotiate in good faith to modify this Agreement so as to effect the original
intent of the parties as closely as possible in an acceptable manner to the end
that transactions contemplated hereby are fulfilled to the extent possible.

            (e) Counterparts. This Agreement may be executed in one or more
counterparts, all of which shall be considered one and the same agreement. This
Agreement shall become effective against any Stockholder when one or more
counterparts have been executed by such Stockholder and delivered to C Co. In
respect of each Stockholder, this Agreement shall become effective against C Co
when one or more counterparts have been signed by C Co and delivered to each
Stockholder. Each party need not sign the same counterpart.

            (f) Entire Agreement; No Third-Party Beneficiaries. This Agreement
(i) constitutes the entire agreement and supersedes all prior agreements and
understandings, both written and oral, among the parties with respect to the
subject matter hereof and (ii) is not intended to confer upon any person other
than the parties hereto any rights or remedies hereunder.

            (g) Governing Law. This Agreement shall be governed by, and
construed in accordance with, the laws of the State of New York regardless of
the laws that might otherwise govern under applicable principles of conflicts of
law thereof, except to the extent the Laws of Delaware are mandatorily
applicable to the Merger.

            (h) Assignment. Neither this Agreement nor any of the rights,
interests or obligations under this Agreement shall be assigned, in whole or in
part, by operation of Law or otherwise, by C Co without the prior written
consent of each Stockholder or by any Stockholder without the prior written
consent of C Co, and any purported assignment without such consent shall be
void. Subject to the preceding sentences, this Agreement will be binding upon,
inure to the benefit of, and be enforceable by, the parties and their respective
successors and assigns.

            (i) Enforcement. All Actions arising out of or relating to this
Agreement shall be heard and determined exclusively in any federal or state
court located in Jacksonville, Florida. The parties hereby (i) submit to the
exclusive jurisdiction of any state or federal court located in Jacksonville,
Florida for the purpose of any Action arising out of or relating to this
Agreement brought by any party hereto, and (ii) irrevocably waive, and agree not
to assert by way of motion, defense, or otherwise, in any such Action, any claim
that it is not subject personally to the jurisdiction of the above-named courts,
that its property is exempt or immune from attachment or execution, that the
Action is brought in an inconvenient forum, that the venue

                                       9



of the Action is improper, or that this Agreement or the Merger may not be
enforced in or by any of the above-named courts.

            (j) Specific Performance. Each party hereto acknowledges that it
will be impossible to measure in money the damages to the other parties if a
party hereto fails to comply with any of the obligations imposed by this
Agreement, that every such obligation is material and that, in the event of any
such failure, the other parties will not have an adequate remedy at law or in
damages. Accordingly, each party hereto agrees that injunctive relief or any
other equitable remedy, in addition to remedies at law or in damages, is the
appropriate remedy for any such failure and will not oppose the granting of such
relief on the basis that the other party has an adequate remedy at law or in
damages. Each party hereto agrees that it will not seek, and agrees to waive any
requirement for, the securing or posting of a bond in connection with any other
party's seeking or obtaining such equitable relief.

            [THE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK]

                                       10



      IN WITNESS WHEREOF, C Co has caused this Agreement to be signed by its
officer thereunto duly authorized and each Stockholder has signed this
Agreement, all as of the date first written above.

                                 CERTEGY INC.

                                 By: /s/ Lee A. Kennedy
                                    Name:Lee A. Kennedy
                                    Title:Chairman and Chief Executive Officer

                                 FIDELITY NATIONAL FINANCIAL, INC.

                                 By: /s/ William P. Foley, II
                                    Name: William P. Foley, II
                                    Title:Chairman and Chief Executive Officer

               [Signature pages of the Other Stockholders follow]



                                   SCHEDULE A



                    Name and Address                                             Number of Subject Shares
                     of Stockholder                                           Owned of Record or Beneficially
- --------------------------------------------------------                      -------------------------------
                                                                           
THL FNIS Holdings, LLC(1)                                                                21,776,447
Thomas H, Lee Equity (Cayman) Fund V, L.P.(1)                                               238,236
Putnam Investment Holdings, LLC(1)                                                          135,499
Putnam Investments Employees' Securities Company I LLC(1)                                   116,437
Putnam Investments Employees' Securities Company II LLC(1)                                  103,962
Thomas H. Lee Investors Limited Partnership(1)                                              129,419
TPG FNIS Holdings, LLC(2)                                                                20,726,179
TPG Parallel III, L.P.(2)                                                                   892,523
TPG Investors III, L.P.(2)                                                                  450,148
FOF Partners III, L.P.(2)                                                                    10,828
FOF Partners III-B, L.P.(2)                                                                 240,671
TPG Dutch Parallel III, C.V.(2)                                                             179,651
Evercore METC Capital Partners II, L.P.(3)                                                3,000,000
Banc of America Capital Investors, L.P.(4)                                                2,000,000
Fidelity National Financial, Inc.(5)                                                    150,000,000
                                                                                        -----------
Total                                                                                   200,000,000
                                                                                        ===========


Addresses:

(1) c/o Thomas H. Lee Partners, L.P.
100 Federal Street
Boston, MA 02110
Attention: Thomas Hagerty and Seth Lawry

(2) c/o Texas Pacific Group
301 Commerce Street
Suite 3300
Fort Worth, TX 76102
Attention: David Spuria

(3) c/o Evercore Partners
55 East 52nd Street, 43rd Floor
New York, NY 10055
Attention: Neeraj Mital

(4) Banc of America Capital Investors, L.P.
Bank of America Corporate Center
100 North Tryon Street, 25th Floor
NC1-007-25-02
Charlotte, NC 28255
Attention: Robert L. Edwards, Jr.

(5) Fidelity National Financial, Inc.
601 Riverside Avenue, 12th Floor
Jacksonville, FL 32204
Attention: Todd C. Johnson



                                    EXHIBIT A

                             FORM OF AMENDMENT NO. 1
                                       TO
                   AMENDED & RESTATED STOCK PURCHASE AGREEMENT

      THIS AMENDMENT NO. 1 TO AMENDED & RESTATED STOCK PURCHASE AGREEMENT (this
"Amendment"), is made and entered into as of this _____ day of ______________,
by and among Fidelity National Information Services, Inc., a Delaware
corporation ("Company"), Fidelity National Financial, Inc., a Delaware
corporation ("Parent"), and each of the Persons listed as "Purchasers" on the
signature pages hereto (collectively, the "Purchasers").

                                   WITNESSETH:

      WHEREAS, the Company, Parent and the Purchasers are parties to that
certain Amended & Restated Stock Purchase Agreement, dated March 8, 2005 (the
"Purchase Agreement"), with respect to the acquisition by the Purchasers of
shares of common stock, par value $0.0001 per share, of the Company;

      WHEREAS, the Company has entered into an Agreement and Plan of Merger (the
"Merger Agreement"), dated September 14, 2005, among the Company, Certegy Inc.,
a Georgia corporation ("C Co"), and C Co Merger Sub, LLC, a Delaware limited
liability company and a direct wholly-owned subsidiary of C Co ("Merger Co"),
which provides for, among other things, the merger of the Company with and into
Merger Co (the "Merger"), and the conversion of shares of the Company's common
stock outstanding immediately prior to the Merger into the right to receive
shares of common stock of C Co; and

      WHEREAS, the parties hereto desire to amend the Purchase Agreement in
order to provide for the continuation of certain provisions of the Purchase
Agreement following the Merger, and to make certain other changes;

      NOW, THEREFORE, in consideration of the foregoing recitals and the
representations, warranties, covenants, and agreements herein contained, and
other good and valuable consideration, the receipt and sufficiency of which are
hereby acknowledged, the parties hereto hereby agree as follows:

1. AMENDMENTS AND ACKNOWLEDGMENTS.

      (a) The first sentence of Section 8.1(a) is hereby amended by substitution
of the following phrase "the date that is 45 days after receipt by the
Purchasers of the consolidated audited financial statements of the Company and
its Subsidiaries for the fiscal year ending December 31, 2005" with the
following phrase "the date that is 45 days after receipt by C Co of the
consolidated audited financial statements of C Co and its Subsidiaries for the
fiscal year ending December 31, 2005."



      (b) Parent hereby acknowledges and agrees that its indemnification
obligations under Section 8.2(a) in favor of the Purchasers, the Company and
their Affiliates, shall survive the Merger and continue in favor of the
Purchasers, Merger Co and their Affiliates upon and following the effective time
of the Merger. In furtherance of, and without limitation to, the foregoing, the
parties hereby agree that for purposes of Section 8.2(a), the term "Shares"
shall be deemed to include the shares of C Co common stock to be issued to the
Company's stockholders in connection with the Merger.

      (c) The parties hereby acknowledge and agree that Merger Co shall be
deemed to be a "successor" or "permitted assign" for purposes of Section 10.3 of
the Purchase Agreement, such that the Purchase Agreement shall be binding upon
and inure to the benefit of Merger Co upon and following the effective time of
the Merger.

2. DEFINED TERMS. All capitalized terms used in this Amendment and not defined
herein shall have the meaning given such terms in the Purchase Agreement.

3. CONFIRMATION OF AGREEMENT. As expressly modified pursuant to this Amendment,
the Agreement remains in full force and effect. This Amendment shall be governed
by all of the provisions in Article X of the Agreement.

4. COUNTERPARTS. This Amendment may be executed in one or more counterparts,
each of which shall be deemed to be an original, and all of which together shall
constitute one and the same agreement.

                         [signatures on following pages]