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Business Description
Certegy Inc. provides credit and debit card processing and check risk management services to financial institutions and merchants in the United States and internationally. The Company's business consists of two segments, Card Services and Check Services. Card Services provides card issuer services in the United States, the United Kingdom, Brazil, Chile, Australia, New Zealand, Ireland, Thailand and the Dominican Republic. Additionally, Card Services provides merchant processing and e-banking services in the United States and card issuer software, support and consulting services in numerous countries. In 2003, Certegy serviced over 38 million accounts worldwide. Check Services provides check risk management services and related processing services in the United States, the United Kingdom, Canada, France, Ireland, Australia and New Zealand. In 2003, Certegy authorized approximately $35.2 billion of check transactions worldwide.

Financial Information
For the nine months ended 9/30/04, revenues rose 13% to $757.7 million. Net income from continuing opts. rose 20% to $70.6 million. Revenues reflect higher transaction volumes, new customer signings, sales of e-banking services and card loyalty programs. Earnings also benefited from the absence of early termination costs.