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                                                                   EXHIBIT 10.34

                                 FIRST AMENDMENT
                             TO AMENDED AND RESTATED
                                MASTER AGREEMENT

      This First Amendment To Amended and Restated Master Agreement (this
"Amendment") dated as of February 16, 2005, by and among CHOICEPOINT INC., a
Georgia corporation, as Lessee and Guarantor, SUNTRUST EQUITY FUNDING, LLC, a
Delaware limited liability company, as Lessor, SUNTRUST BANK, a Georgia state
banking corporation, as Agent, and SUNTRUST BANK, FLEET NATIONAL BANK and BNP
PARIBAS, as Lenders.

                              W I T N E S S E T H :

      WHEREAS, ChoicePoint, the Lessor, the Agent and the Lenders have entered
into that certain Amended and Restated Master Agreement, dated as of June 26,
2003 (the "Master Agreement") (capitalized terms used herein without definition
shall have the meanings ascribed to them in Appendix A to the Master Agreement);
and

      WHEREAS, the "Credit Agreement" defined in Appendix A to the Master
Agreement has been replaced by a Revolving Credit Agreement dated as of December
29, 2004, as amended by First Amendment to Revolving Credit Agreement dated as
of February 16, 2005 among ChoicePoint Services, as Borrower, ChoicePoint, as
Parent (and a Guarantor), the Lenders party thereto from time to time, Wachovia
Bank, National Association, as Administrative Agent, SunTrust Bank, as
Syndication Agent, and BNP Paribas Documentation Agent, and ChoicePoint has
requested that certain changes be made to the financial and negative covenants
in the Master Agreement and related definitions in Appendix A to the Master
Agreement in order that they would be substantially the same as in such
replacement Credit Agreement, as well as extend the Alteration Expiration Date,
and the Lessor, the Agent and the Lenders are willing to so agree, subject to
the terms and conditions hereof;

      NOW, THEREFORE, for and in consideration of the foregoing premises, the
mutual covenants and agreements contained herein and other good and valuable
consideration, the receipt and sufficiency of which hereby is acknowledged, the
parties hereby agree that the Master Agreement is hereby amended as follows:

      Section 1. Modifications to Master Agreement. The parties hereto amend the
Master Agreement as follows:

      1.1 Section 5.1(g)(i) and (ii) (Reporting Covenants - Annual Financial
Statements and Quarterly Financial Statements) of the Master Agreement is hereby
amended by replacing such Sections in their entirety with the following:

            (i) Annual Financial Statements. To the Agent, as soon as available
           and in any event within the earlier of (A) eighty (80) days after the
           end of each fiscal year of ChoicePoint and (B) five (5) days after
           the date of any required

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           public filing thereof, audited balance sheets of the Consolidated
           Companies as at the end of such year, presented on a consolidated
           basis, and the related statements of income, and cash flows of the
           Consolidated Companies for such fiscal year, presented on a
           consolidated basis, setting forth in each case in comparative form
           the figures for the previous fiscal year, all in reasonable detail
           and accompanied by a report thereon of the independent public
           accountants of comparable recognized national standing, which such
           report shall be unqualified as to going concern and scope of audit
           and shall state that such financial statements present fairly in all
           material respects the financial condition as at the end of such
           fiscal year on a consolidated basis, and the results of operations
           and statements of cash flows of the Consolidated Companies for such
           fiscal year in accordance with GAAP and that the examination by such
           accountants in connection with such consolidated financial statements
           has been made in accordance with generally accepted auditing
           standards;

            (ii) Quarterly Financial Statements. To the Agent, as soon as
           available and in any event within the earlier of (A) fifty (50) days
           after the end of each fiscal quarter of ChoicePoint (other than the
           fourth fiscal quarter) and (B) five (5) days after the date of any
           required public filing thereof for such fiscal quarter, balance
           sheets of the Consolidated Companies as at the end of such quarter
           presented on a consolidated basis and the related statements of
           income, shareholders' equity, and cash flows of the Consolidated
           Companies for such fiscal quarter and for the portion of the
           ChoicePoint's fiscal year ended at the end of such quarter, presented
           on a consolidated basis setting forth in each case in comparative
           form the figures for the corresponding quarter and the corresponding
           portion of ChoicePoint's previous fiscal year, all in reasonable
           detail and accompanied by a certification by the chief financial
           officer of ChoicePoint that such financial statements fairly present
           in all material respects the financial condition of the Consolidated
           Companies as at the end of such fiscal quarter on a consolidated
           basis, and the results of operations and statements of cash flows of
           the Consolidated Companies for such fiscal quarter and such portion
           of ChoicePoint's fiscal year, in accordance with GAAP consistently
           applied (subject to normal year-end audit adjustments and the absence
           of certain footnotes);

      1.2 Section 5.1(h)(i) (Fixed Charge Coverage Ratio) of the Master
Agreement is hereby amended by replacing such Section in its entirety with the
following:

            (i) Minimum Interest Coverage Ratio. Maintain as of the last day of
      each fiscal quarter, a ratio of (a) Consolidated EBITDA to (b)
      Consolidated Interest Expense, calculated for the fiscal quarter then
      ended and the immediately preceding three fiscal quarters, equal to or
      greater than 4.0 to 1.0.

      1.3 Section 5.2(c) (Mergers, Consolidations) of the Master Agreement is
hereby amended by replacing the proviso at the end thereof with the following:

      provided that before and after giving effect to any such merger or
      consolidations and any Funded Debt incurred by ChoicePoint or such
      Subsidiary in connection

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      with such merger or consolidation, (x) ChoicePoint is and will be in
      compliance with Section 5.1(h) hereof and if the consideration paid by
      ChoicePoint or such Subsidiary in connection with such merger or
      consolidation is greater than $125,000,000, ChoicePoint has delivered pro
      forma financial covenants calculations demonstrating such compliance, in
      such detail and using such form of presentation of historical and
      forecasted financial information as may be satisfactory to the Agent with
      copies provided to each Funding Party (based on the projected Consolidated
      Interest Expense or Funded Debt, as the case may be, for the immediately
      succeeding four fiscal quarters (including Consolidated Interest Expense
      incurred as a result of the incurrence of any such Funded Debt) and the
      historical Consolidated EBITDA (including the Consolidated EBITDA of such
      Person)); and (y) no other Default exists;

      1.4 Section 5.2(e) (Investments, Loans, Etc.) of the Master Agreement is
hereby amended by replacing Section 5.2(e)(ii) in its entirety with the
following:

            (ii) Investments in the stock or other assets of any other Person
      that is engaged in a business permitted by Section 5.2(i) hereof;
      provided, that after giving effect to such Investment and any Funded Debt
      incurred by ChoicePoint or such Subsidiary in connection with making such
      Investment, (x) ChoicePoint is and will be in compliance with Section
      5.1(h) hereof and if the Investment is greater than $125,000,000,
      ChoicePoint has delivered pro forma financial covenants calculations
      demonstrating such compliance, in such detail and using such form of
      presentation of historical and forecasted financial information as may be
      satisfactory to the Agent; (y) no other Default exists hereunder (based on
      the projected Consolidated Interest Expense or Funded Debt, as the case
      may be, for the immediately succeeding four fiscal quarters (including
      Consolidated Interest Expense incurred a result of the incurrence of any
      such Funded Debt) and the historical Consolidated EBITDA (including the
      Consolidated EBITDA of such Person)); and (z) as a result of such
      Investment, such Person becomes a Subsidiary of ChoicePoint.

      1.5 Section 5.2(h) (Additional Negative Pledges) of the Master Agreement
is hereby amended by replacing it in its entirety with the following:

            (h) Additional Negative Pledges. Create or otherwise cause or suffer
      to exist or become effective, directly or indirectly, any prohibition or
      restriction on the creation or existence of any Lien upon any asset of any
      Consolidated Company, other than the prohibitions and restrictions
      contained in this Master Agreement, unless such asset is subject to a
      Permitted Lien and such prohibition or restriction is limited to such
      asset.

      1.6 Section 5.2(i) (Changes in Business) of the Master Agreement is hereby
amended by replacing it in its entirety with the following:

      (i) Changes in Business. Enter into any business which is substantially
different from that presently conducted by the Consolidated Companies as of
First Amendment Date, which

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includes providing risk management and fraud prevention information and related
technology solutions to the property and casualty insurance industry, life and
health insurance industry and other industries, (including, without limitation,
(1) providing automated and traditional underwriting and claim information
services to assist U.S. insurance companies in assessing the insurability of
individuals and property and the validity of insurance claims, (2) providing
background investigations, (3) performing paramedical exams, (4) furnishing
access to motor vehicles reports, (5) maintaining a database of claims
histories, (6) providing claim verification and investigative services to both
the property and casualty and the life and health insurance markets, (7)
providing pre-employment background investigations, pre-employment and
regulatory compliance drug testing services and public record information to
other corporate and government organizations and (8) DNA and other forensic
testing service, unless such business is a strategic extension of the business
of the Consolidated Companies as of the First Amendment Date.

      1.7 Appendix A to the Master Agreement is hereby amended by (i) deleting
the definitions of "Consolidated EBITR", "Consolidated Fixed Charges",
"Consolidated Rental Expense and "Fixed Charge Coverage Ratio and (ii) adding a
definition of "First Amendment Date" as follows:

            "First Amendment Date" mean February 16, 2005.

      1.8 Appendix A to the Master Agreement is further hereby amended by
replacing the definitions of "Alteration Expiration Date", "Consolidated
Interest Expense" and "Credit Agreement" in their entirety with the following:

            "Alteration Expiration Date means June 30, 2005.

            "Consolidated Interest Expense" means, for any fiscal period of
      ChoicePoint, total interest expense of the Consolidated Companies and the
      Receivables Subsidiaries (including, without limitation, interest expense
      attributable to capitalized leases, all net payment obligations pursuant
      to swap agreements (as defined in 11 U.S.C. Section 101), all commissions,
      discounts and other fees and charges owed with respect to bankers
      acceptance financing, and total interest expense (whether shown as
      interest expense or as loss and expenses on sale of receivables) under a
      receivables purchase facility (including, without limitation, the Asset
      Securitization)) determined on a consolidated basis in accordance with
      GAAP.

            "Credit Agreement" means the Revolving Credit Agreement dated as of
      December 29, 2004, among ChoicePoint Services, Inc., as Borrower,
      ChoicePoint, as Parent (and a Guarantor), the Lenders party thereto from
      time to time, Wachovia Bank, National Association, as Administrative
      Agent, SunTrust Bank, as Syndication Agent, and BNP Paribas, as
      Documentation Agent, and ChoicePoint, as amended by the First Amendment to
      Revolving Credit Agreement dated as of February 16, 2005.

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      1.9 Exhibit J attached hereto hereby replaces Exhibit J (Compliance
Certificate) to the Master Agreement.

      Section 2. Representations and Warranties. ChoicePoint represents and
warrants to each of the other parties hereto that each of the representations
and warranties of ChoicePoint contained in the Master Agreement and in each
other Operative Document is true and correct in all material respects on the
Effective Date, with the same effect as though made on and as of the Effective
Date and, for purposes of this Section, all references in such representations
and warranties to the "Operative Documents" shall be deemed to include this
Amendment (except to the extent such representations and warranties expressly
refer to an earlier date, in which case they shall be true and correct as of
such earlier date).

      Section 3. Effectiveness. Subject to the execution and delivery of this
Amendment by all parties hereto, this Amendment shall be deemed effective on the
date set forth in the preamble to this Amendment (the "Effective Date").

      Section 4. GOVERNING LAW. THIS AMENDMENT HAS BEEN DELIVERED IN, AND SHALL
IN ALL RESPECTS BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF
THE STATE OF GEORGIA APPLICABLE TO AGREEMENTS MADE AND TO BE PERFORMED ENTIRELY
WITHIN SUCH STATE, INCLUDING ALL MATTERS OF CONSTRUCTION, VALIDITY AND
PERFORMANCE.

      Section 5. References. All references to the words "Master Agreement"
shall hereinafter refer to the Master Agreement as amended by this Amendment.

      Section 6. Counterparts. This Amendment may be executed in any number of
counterparts and by different parties hereto on separate counterparts, each
executed counterpart constituting an original but all together one agreement.

                         (signatures on following page)

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      IN WITNESS WHEREOF, the parties hereto have caused this First Amendment to
Master Agreement to be duly executed by their respective officers thereunto duly
authorized as of the date and year first above written.

                                       CHOICEPOINT INC.,
                                       as Lessee and Guarantor

                                       By: /s/ David E. Trine
                                           ---------------------------------
                                           Name Printed: David E. Trine
                                           Title: Treasurer

                                       Attest: /s/ Mary M. Young
                                               -----------------------------
                                           Name Printed: Mary M. Young
                                           Title: Assistant Secretary

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                                       SUNTRUST EQUITY FUNDING, LLC, as

                                       By: /s/ R. Todd Shutley
                                           ---------------------------------
                                           Name Printed: R. Todd Shutley
                                           Title: Sr. Vice President & Manager

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                                       SUNTRUST BANK, as Agent and a Lender

                                       By: /s/ Bradley J. Staples
                                           ----------------------------------
                                           Name Printed: Bradley J. Staples
                                           Title: Managing Director

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                                       FLEET NATIONAL BANK, as a Lender

                                       By: /s/ John B. Desmond
                                           ----------------------------------
                                           Name Printed: John B. Desmond
                                           Title: Director

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                                       BNP PARIBAS, as a Lender

                                       By: /s/ Barry Mendelsohn
                                           ----------------------------------
                                           Name Printed: Barry Mendelsohn
                                           Title: DirectorNon-Employee Director Compensation

 

Exhibit 10(am) – Non-Employee Director Compensation

Non-Employee Director Compensation

Currently, compensation of directors who are not salaried employees of Avatar is $32,500 per annum.
A member of the Executive Committee who is not a salaried employee of Avatar receives a retainer of
$2,000 per annum. Members and Chairman of the Audit Committee receive additional compensation of
$12,000 and $14,000 per annum, respectively. Members and the Chairman of the Nominating and
Corporate Governance Committee receive additional compensation of $4,000 and $7,000, respectively.
Members and the Chairman of the Compensation Committee receive additional compensation of $4,000
and $5,000 per annum, respectively.

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