Document:

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                                                                   EXHIBIT 10.20

                       FIRST AMENDMENT TO CREDIT AGREEMENT

         THIS FIRST AMENDMENT to the Credit Agreement referred to below (this
"Agreement") dated as of December 30, 2002 is made and entered into by and among
CHOICEPOINT INC., a Georgia corporation (the "Borrower"), the Material
Subsidiaries of the Borrower signatories hereto, certain of the Lenders party to
the Credit Agreement referred to below (the "Lenders"), SUNTRUST BANK, a Georgia
banking corporation, as Administrative Agent (the "Administrative Agent"), and
WACHOVIA BANK, NATIONAL ASSOCIATION, a national banking association, as
Syndication Agent (the "Syndication Agent" and collectively with the
Administrative Agent, the "Agents").

                              STATEMENT OF PURPOSE

         The Borrower, the Lenders and the Agents have entered into that certain
Revolving Credit Agreement dated as of May 10, 2002 (as amended hereby and as
further amended, restated, supplemented or otherwise modified from time to time,
the "Credit Agreement") pursuant to which the Lenders have extended certain
credit facilities to the Borrower.

         The Borrower and certain of its Subsidiaries have requested that the
Agents and the Required Lenders waive and amend certain provisions of the Credit
Agreement and to consent to certain actions under the Credit Agreement, all as
more particularly set forth herein. The Agents and the Required Lenders have
agreed to do so, but only upon the terms and conditions set forth below in this
Agreement.

         NOW THEREFORE, for good and valuable consideration, the receipt and
adequacy of which are hereby acknowledged, the parties hereto agree as follows:

         SECTION 1. Definitions. All capitalized terms used and not defined in
this Agreement shall have the meanings assigned thereto in the Credit Agreement.

         SECTION 2. Amendments to the Credit Agreement.

         (a)      Section 1.01 (Definitions) of the Credit Agreement is hereby
amended by adding the following defined terms in correct alphabetical order:

                  "2002 Corporate Changes" means the following transactions, all
                  of which are contemplated to occur on or about December 31,
                  2002:

                  (a)      The contribution of all of the assets of Marketing
         Information and Technology, Inc. ("MITI"), a Massachusetts corporation,
         to Marketing Information and Technology Trust, a business trust created
         under the laws of Massachusetts ("MITI Trust"), and the subsequent
         dissolution of MITI;

                  (b)      The contribution of all of the assets of Direct Mail
         Credit Data, Inc. ("DMCD"), a Massachusetts corporation, to Direct Mail
         Credit Data

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         Trust ("DMCD Trust"), a business trust created under the laws of
         Massachusetts, and the subsequent dissolution of DMCD;

                  (c)      The contribution of all of the assets of DMCD Trust
         to MITI Trust, and the subsequent dissolution of DMCD Trust;

                  (d)      The contribution of all of the assets of MITI Trust
         to CPPM Inc. ("CPPM"), a Georgia corporation, and the subsequent
         dissolution of MITI Trust; and

                  (e)      The merger of Optimum Graphics Printing, Inc. and
         Statewide Data Services Inc. into ChoicePoint Direct Inc., and the
         subsequent merger of ChoicePoint Direct Inc. into ChoicePoint Precision
         Marketing Inc. ("ChoicePoint Precision"), a Georgia corporation.

                  "First Amendment Effective Date" means the date of
         effectiveness of the First Amendment to this Agreement dated as of
         December 30, 2002 by and among the Borrower, the Required Lenders and
         the Agents.

         (b)      Section 5.13 (Subsidiaries) of the Credit Agreement is hereby
         amended by:

                  (i)      deleting the first and second sentences thereof in
         its entirety and substituting in their place the following:

                  "Part A of Schedule 5.13, which speaks as of the First
         Amendment Effective Date and prior to giving effect to the 2002
         Corporate Changes, and Part B of Schedule 5.13, which speaks after
         giving effect to the 2002 Corporate Changes, accurately describe (1)
         the complete name of each Subsidiary of Borrower, (2) the jurisdiction
         of incorporation or organization of each Subsidiary of Borrower, (3)
         the ownership of all issued and outstanding Capital Stock of each
         Subsidiary of Borrower and (4) whether such Subsidiary is a Material
         Subsidiary. Except as disclosed on Schedule 5.13, as of the First
         Amendment Effective Date, Borrower has no Subsidiaries and neither
         Borrower nor any Subsidiary is a joint venture partner or general
         partner in any partnership."

                  (ii)     replacing Schedule 5.13 to the Credit Agreement with
         Schedule 5.13 attached hereto.

         (c)      Section 6.01 (Corporate Existence, Etc.) of the Credit
Agreement is hereby amended by deleting such section in its entirety and
substituting in its place the following:

                  Preserve and maintain, and cause each of its Subsidiaries to
                  preserve and maintain, (A) its corporate existence, except (i)
                  for mergers, divestitures and consolidations permitted
                  pursuant to Section 7.03, and (ii) that a Subsidiary that is
                  not a Material Subsidiary may dissolve, so long as either it
                  has no assets or transfers all of its assets to one or more
                  other Consolidated Companies; and (B)

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                  except where the failure to be so qualified would reasonably
                  be expected to have a Materially Adverse Effect, its
                  qualification to do business as a foreign corporation in all
                  jurisdictions where it conducts business or other activities
                  making such qualification necessary

         (d)      Section 6.09 (Additional Credit Parties) of the Credit
Agreement is hereby amended by deleting the cross-reference to Section 4.01(c),
(v), (vi), (vii), (viii), (xi) and (xiv) in the last sentence thereof and
replacing it with "Section 4.01(c)(iv), (v), (vi), (vii), (viii) and (xi)."

         (e)      Section 7.03 (Mergers, Consolidations) of the Credit Agreement
is hereby amended by deleting clause (a) in its entirety and substituting in its
place the following:

                  "(a) mergers or consolidations of (i) any Subsidiary with any
         other Subsidiary which is a Guarantor, (ii) any Subsidiary with
         Borrower and (iii) any Subsidiary other than a Material Subsidiary into
         any Consolidated Company;"

         (f)      Section 7.04 (Asset Sales) of the Credit Agreement is hereby
amended by deleting clause (a) in its entirety and substituting in its place the
following:

                  "(a) sales, leases, transfers or dispositions of assets of (i)
         any Consolidated Company to Borrower or any Guarantor and (ii) any
         Subsidiary other than a Material Subsidiary to any Consolidated
         Company.

         SECTION 3. Consent. Subject to the terms and conditions hereof and
notwithstanding any provision of the Credit Agreement to the contrary, the
Agents and the Required Lenders hereby consent to the 2002 Corporate Changes;
provided that the Agents and the Required Lenders shall not be deemed to have
consented to the release of any Guarantor from its obligations under the
Guaranty Agreement.

         SECTION 4. Waiver. Subject to the terms and conditions hereof, the
Agents and the Required Lenders hereby waive any Default or Event of Default
arising under Section 8.03 of the Credit Agreement resulting solely from any
violation by the Borrower of Section 6.01 in connection with the dissolution of
BTi Inc.

         SECTION 5. Conditions to Effectiveness. This Agreement shall become
effective on the date each of the following conditions has been satisfied:

         (a)      Execution of Agreement. Receipt by the Agents of a fully
executed original of this Agreement executed by the Borrower, the Guarantors,
the Agents and the Required Lenders.

         (b)      Certificate of Secretary. Receipt by the Agents of a
certificate of the secretary or assistant secretary of ChoicePoint Precision
certifying as to the incumbency and genuineness of the signature of each officer
of ChoicePoint Precision executing the Credit Documents and certifying that
attached thereto is a true, complete and correct copy of (i) the articles of
incorporation of ChoicePoint Precision, certified as of a recent date by the
Secretary of State of Georgia, (ii) the bylaws of ChoicePoint Precision as in
effect on the First Amendment Effective

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Date, (iii) resolutions duly adopted by the Board of Directors of ChoicePoint
Precision authorizing the execution, delivery and performance of the Guaranty
Agreement and the Contribution Agreement and the other Credit Documents to which
it is a party, and (iv) a certificate of a recent date of the good standing of
ChoicePoint Precision from the Secretary of State of Georgia.

         (c)      Closing Certificate. Receipt of a duly executed certificate of
the Borrower, in substantially the form of Exhibit E to the Credit Agreement and
appropriately completed, certifying that, after giving effect to this Agreement,
(i) the representations and warranties contained in Article V of the Credit
Agreement are true and correct in all material respects as of the First
Amendment Effective Date, (ii) the Borrower and the Guarantors are in compliance
with all terms and provisions of the Credit Agreement and the other Credit
Documents as of the First Amendment Effective Date, (iii) on the First Amendment
Effective Date, no Default or Event of Default has occurred and is continuing,
and (iv) as of the First Amendment Effective Date, there has been no materially
adverse change in the financial condition of the Borrower and its Subsidiaries
as of the reflected in the most recently delivered financial statements
delivered to the Agents pursuant to Section 6.07 of the Credit Agreement.

         (d)      Solvency Certificate. Receipt by the Agents of a duly executed
solvency certificate of the Borrower and the Guarantors, in form and substance
satisfactory to the Agents and the Lenders.

         (e)      Contribution and Guaranty Agreement Supplements. Receipt by
the Agents of a supplement to the Contribution Agreement and the Guaranty
Agreement in the forms attached thereto, duly executed by ChoicePoint Precision.

         SECTION 6.        Delivery Covenants.

         (a)      Opinions of Counsel. On or before January 10, 2003, the
Borrower shall deliver to the Agents opinions of Jones, Day, Reavis & Pogue and
in-house general counsel to the Credit Parties, both in form and substance
satisfactory to the Agents with respect to the addition of ChoicePoint Precision
as a Guarantor.

         (b)      2002 Corporate Changes. Upon the request of the Agents, the
Borrower shall deliver copies of all documentation (including articles of
merger, certificates of dissolution, and any other documents necessary to
consummate the 2002 Corporate Changes) relating to the 2002 Corporate Changes.

         SECTION 7. References to Credit Agreement. On and after the date this
Agreement becomes effective, each and every reference in the Credit Documents to
the Credit Agreement shall be deemed to refer to and to mean the Credit
Agreement as amended by this Agreement. The Borrower and Material Subsidiaries
confirm and agree that (a) except as expressly amended herein, the Credit
Agreement remains in full force and effect in accordance with its terms, and (b)
all other Credit Documents remain in full force and effect in accordance with
their respective terms.

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<PAGE>

         SECTION 8. Reaffirmation. Each Guarantor reaffirms its obligations
under the Guaranty Agreement, the Contribution Agreement, and the other Credit
Documents, consents to the execution and delivery of this Agreement by the
Borrower, and agrees and acknowledges that its obligations under the Guaranty
Agreement, the Contribution Agreement, and the other Credit Documents shall not
be diminished in any way by the execution and delivery of this Agreement or by
the consummation of any of the transactions contemplated herein.

         SECTION 9. Limited Amendment, Consent, and Waiver. Except as expressly
amended hereby, the Credit Agreement and each other Credit Document shall
continue to be, and shall remain, in full force and effect. This Agreement shall
not be deemed (a) to be a waiver of, or consent to, or a modification or
amendment of, any other term or condition of, or Default or Event of Default
under, the Credit Agreement or any other Credit Document or (b) to prejudice any
other right or remedies to which the Agents or the Lenders may now have or may
have in the future under or in connection with the Credit Agreement or the
Credit Documents or any of the instruments or agreements referred to therein, as
the same may be amended, restated or otherwise modified from time to time. This
document is part of the Credit Agreement and constitutes a Credit Document
thereunder.

         SECTION 10. Expenses. The Borrower shall pay all reasonable
out-of-pocket expenses of the Agents in connection with the preparation,
execution and delivery of this Agreement, including without limitation the
reasonable fees and disbursements of counsel for the Agents.

         SECTION 11. Governing Law. This Agreement shall be governed by and
construed in accordance with the laws of the State of Georgia, without reference
to the conflicts or choice of law principles thereof.

         SECTION 12. Counterparts. This Agreement may be executed in separate
counterparts, each of which when executed and delivered is an original but all
of which taken together constitute one and the same instrument.

         SECTION 13. Fax Transmission. A facsimile, telecopy or other
reproduction of this Agreement may be executed by one or more parties hereto,
and an executed copy of this Agreement may be delivered by one or more parties
hereto by facsimile or similar instantaneous electronic transmission device
pursuant to which the signature of or on behalf of such party can be seen, and
such execution and delivery shall be considered valid, binding and effective for
all purposes. At the request of any party hereto, all parties hereto agree to
execute an original of this Agreement as well as any facsimile, telecopy or
other reproduction hereof.

                            [Signature Pages Follow]

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         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed by their duly authorized officers, all as of the day and year first
written above.

                                   BORROWER AND GUARANTORS:

                                   CHOICEPOINT INC., as Borrower

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

                                   CHOICEPOINT SERVICES INC., as Guarantor

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

                                   CHOICEPOINT DIRECT INC., as Guarantor

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

                                   NATIONAL SAFETY ALLIANCE,
                                   INCORPORATED, as Guarantor

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

                                   CHOICEPOINT PUBLIC RECORDS INC., as Guarantor

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

                           [Signature Pages Continue]

<PAGE>

                                   AGENTS AND LENDERS:

                                   SUNTRUST BANK, as Administrative Agent and
                                   Lender

                                   By:    /s/ Daniel S. Komitor
                                          Name: Daniel S. Komitor
                                          Title: Director

                                   WACHOVIA BANK, NATIONAL ASSOCIATION, as
                                   Syndication Agent and Lender

                                   By:    /s/ William R. Goley
                                          Name: William R. Goley
                                          Title: Director

                                   BNP PARIBAS, as Lender

                                   By:    /s/ John Stacy
                                          Name: John Stacy
                                          Title: Managing Director

                                   BNP PARIBAS, as Lender

                                   By:    /s/ Craig Pierce
                                          Name: Craig Pierce
                                          Title: Associate

                                   U.S. BANK NATIONAL ASSOCIATION, as Lender

                                   By:    /s/ Eric Hartman
                                          Name: Eric Hartman
                                          Title: Vice President

                                   CREDIT SUISSE FIRST BOSTON, as Lender

                                   By:    Not Required
                                          Name:
                                          Title:

[Signature Pages Continue]
<PAGE>

                                   JP MORGAN CHASE BANK, as Lender

                                   By:    /s/ H. David Jones
                                          Name: H. David Jones
                                          Title: Vice President

                                   FLEET NATIONAL BANK, as Lender

                                   By:    /s/ John B. Desmond
                                          Name: John B. Desmond
                                          Title: Director<PAGE>
                                                                   EXHIBIT 10.24

                                 THIRD AMENDMENT
                                       TO
                                MASTER AGREEMENT

         This Third Amendment To Master Agreement (this "Amendment") dated as of
December 20, 2002, by and among CHOICEPOINT INC., a Georgia corporation, as
Lessee and Guarantor, SUNTRUST BANKS, INC., a Georgia corporation, as Lessor,
and SUNTRUST BANK (formerly known as SunTrust Bank, Atlanta), a Georgia state
banking corporation, as Agent.

                              W I T N E S S E T H :

         WHEREAS, the Lessee, the Lessor and the Agent have entered into that
certain Master Agreement, dated as of July 31, 19 97, as amended by Amendment to
Master Agreement dated as of September 30, 1998 and Second Amendment to Master
Agreement dated as of December 30, 1999 (as so amended, 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 Lessee and certain of its affiliates has entered into a
$100,000,000 asset securitization program and the original revolving credit
agreement of the Lessee has been replaced by a Revolving Credit Agreement dated
as of May 10, 2002 among the Lessee, as Borrower, the Lenders party thereto from
time to time, SunTrust Bank, as Administrative Agent, Wachovia Bank, National
Association, as Syndication Agent, and U.S. Bank National Association and BNP
Paribas, as Documentation Agents, and the Lessee has requested that certain
changes be made to the financial and certain other covenants in the Master
Agreement and related definitions in Appendix A to the Master Agreement in order
that they would reflect the existence of such asset securitization and that such
covenants be substantially the same as in such replacement Revolving Credit
Agreement, 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 4.1(w) (Environmental Matters) of the Master Agreement
is hereby amended by deleting the text thereof and substituting therefor the
following:

                  (a)      The Consolidated Companies have received no notices
         of claims or potential liability under, and are in compliance with, all
         applicable Environmental Laws, where such claims and liabilities under,
         and failures to comply with, such statutes, regulations, rules,
         ordinances, laws or licenses, would reasonably be expected to result in
         penalties, fines, claims or other liabilities to the Consolidated
         Companies having a Material Adverse Effect.

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                  (b)      None of the Consolidated Companies has received any
         notice of violation or notice of any action, either judicial or
         administrative, from any governmental authority (whether United States
         or foreign) relating to the actual or alleged violation of any
         Environmental Law, including, without limitation, any notice of any
         actual or alleged spill, leak, or other release of any Hazardous
         Material by any Consolidated Company or its employees or agents, or as
         to the existence of any contamination on any properties owned by any
         Consolidated Company, where any such violation, spill, leak, release or
         contamination would reasonably be expected to result in penalties,
         fines, claims or other liabilities to the Consolidated Companies having
         a Material Adverse Effect.

                  (c) The Consolidated Companies have obtained all necessary
         governmental permits, licenses and approvals which are material to the
         operations conducted on their respective properties, including without
         limitation, all required material permits, licenses and approvals for
         (A) the emission of air pollutants or contaminants, (B) the treatment
         or pretreatment and discharge of waste water or storm water, (C) the
         treatment, storage, disposal or generation of hazardous wastes, (D) the
         withdrawal and usage of ground water or surface water, and (E) the
         disposal of solid wastes.

         1.2      Section 5.1(h) (Financial Covenants) of the Master Agreement
is hereby amended by replacing such Section in its entirety with the following:

                  (h)      Financial Covenants.

                           (i)      Fixed Charge Coverage Ratio. Maintain as of
                                    the last day of each fiscal quarter, a Fixed
                  Charge Coverage Ratio, calculated for the fiscal quarter then
                  ended and the immediately preceding three fiscal quarters,
                  equal to or greater than 2.5 to 1.0.

                           (ii)     Funded Debt to Consolidated EBITDA. Maintain
                  as of the last day of each fiscal quarter, a maximum ratio of
                  Funded Debt to Consolidated EBITDA, calculated for the fiscal
                  quarter then ended and the immediately preceding three fiscal
                  quarters, of less than or equal to 3.0 to 1.0.

         1.3      Section 5.2(a)(xi) (Liens) of the Master Agreement is hereby
amended by deleting the phrase "fifteen percent (15%)" where it appears therein,
and substituting therefor the phrase "ten percent (10%)".

         1.4      Section 5.2(c) (Mergers, Consolidations) of the Master
Agreement is hereby amended by replacing such Section in its entirety with the
following:

                  (a)      Mergers, Consolidations. Merge or consolidate with
         any other Person, except that the foregoing restrictions shall not be
         applicable to:

                           (i)      mergers or consolidations of (x) any
                  Subsidiary with any other Subsidiary or (y) any Subsidiary
                  with the Lessee; or

                           (ii)     mergers or consolidations in which any
                  Person engaged in businesses in which the Lessee is engaged as
                  of the Closing Date or substantially

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<PAGE>

                  related thereto merges or consolidates with the Lessee or any
                  of its Subsidiaries where the surviving corporation is the
                  Lessee or such Subsidiary; or

                           (iii)    the merger of ChoicePoint Capital
                  Corporation into ChoicePoint Capital, Inc.;

         provided that before and after giving effect to any such merger or
consolidations and any Funded Debt incurred by the Lessee or such Subsidiary in
connection with such merger or consolidation, (x) the Lessee is and will be in
compliance with Section 5.1(h) hereof and if the consideration paid by the
Lessee or such Subsidiary in connection with such merger or consolidation is
greater than $100,000,000, the Lessee 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 Fixed Charges or Funded Debt, as the case may be, for
the immediately succeeding four fiscal quarters (including Fixed Charges
incurred as a result of the incurrence of any such Funded Debt) and the
historical Consolidated EBIT (including the Consolidated EBIT of such Person));
and (y) no other Default exists hereunder;

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

                           (i)      Investments in the stock of Subsidiaries of
                  the Lessee and Receivables Subsidiaries existing as of the
                  Third Amendment Date or existing as Subsidiaries of the Lessee
                  immediately prior to the making of such Investment, and
                  Investments in the form of loans and advances by the Lessee to
                  any Subsidiary;

                           (ii)     Investments in the stock or other assets of
                  any other Person that is engaged in a business permitted by
                  Section 5.2(j) hereof; provided, that after giving effect to
                  such Investment and any Funded Debt incurred by the Lessee or
                  such Subsidiary in connection with making such Investment, (x)
                  the Lessee is and will be in compliance with Section 5.1(h)
                  hereof and if the Investment is greater than $100,000,000, the
                  Lessee 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
                  Fixed Charges or Funded Debt, as the case may be, for the
                  immediately succeeding four fiscal quarters (including Fixed
                  Charges incurred a result of the incurrence of any such Funded
                  Debt) and the historical Consolidated EBIT (including the
                  Consolidated EBIT of such Person)); and (z) as a result of
                  such Investment, such Person becomes a Subsidiary of the
                  Lessee.

         1.6      Section 5.2 (Negative Covenants) of the Master Agreement is
hereby amended by adding the following new paragraphs at the end thereof;

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<PAGE>

         (m) Sale and Leaseback Transactions. Sell or transfer any property,
real or personal, whether now owned or hereafter acquired, and thereafter rent
or lease such property or other property which any Consolidated Company intends
to use for substantially the same purpose as the property being sold or
transferred.

         (n) Actions under Certain Documents. Without the prior written consent
of the Agent and the Required Funding Parties, modify, amend or supplement the
Asset Securitization Agreements to (i) increase the program limit amount in
excess of $175,000,000, (ii) modify any requirement of prepayment or repayment
thereunder which would shorten the final maturity or average life of the
Indebtedness outstanding thereunder or make the requirement of prepayment more
onerous, or (iii) make any covenant or event of default contained therein more
restrictive as to the Lessee and its Subsidiaries than the provisions of this
Master Agreement.

         (o) Amendments; Payments and Prepayments of Subordinated Debt. Amend or
modify (or permit the modification or amendment of) any of the terms or
provisions of any subordinated debt of the Lessee or any of its Material
Subsidiaries, or cancel or forgive, make any voluntary or optional payment or
prepayment on, or redeem or acquire for value (including, without limitation, by
way of depositing with any trustee with respect thereto money or securities
before due for the purpose of paying when due) any subordinated debt of the
Lessee or any of its Material Subsidiaries.

         1.7      Appendix A to the Master Agreement is hereby amended by adding
the following definitions of "Third Amendment Date" and "Receivables
Subsidiaries" in the appropriate alphabetical order:

         "BOND OBLIGATIONS" means all obligations of the Consolidated Companies
arising under or pursuant to that certain Lease Agreement (the "Equipment
Lease") dated as of December 1, 2001, by and between Development Authority of
Fulton County, as lessor of certain equipment described therein (the
"Development Authority"), and the Lessee, as lessee of such equipment, and all
other instruments, documents, and agreements relating to such lease or that
certain $30,000,000 Development Authority of Fulton County Taxable Industrial
Development Revenue Bond (ChoicePoint Inc. Project), Equipment Series (the
"Bond"), including, without limitation, that certain Bond Guaranty Agreement
dated as of December 31, 2001, issued by the Lessee, in its capacity as
guarantor (in such capacity, the "Bond Guarantor") in favor of the Lessee, in
its capacity as purchaser of the Bond (the "Bond Purchaser") pursuant to which
the Bond Guarantor unconditionally guaranteed payment and performance of the
debt service on the Bond for the benefit of the Bond Purchaser (the Bond
Purchaser having financed the acquisition by the Development Authority of the
equipment which was leased to the Lessee), and, since the Lessee is the lessee,
the Bond Purchaser and the Bond Guarantor, the Bond Obligations are not required
to be classified as a liability of the Lessee in accordance with GAAP.

         "ASSET SECURITIZATION" means the $100,000,000 asset securitization
program entered into by the Receivable Subsidiaries and Three Pillars Funding
Corporation.

         "ASSET SECURITIZATION AGREEMENTS" means those documents which govern
the Asset Securitization.

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<PAGE>

         "THIRD AMENDMENT DATE" means December 20, 2002.

         "RECEIVABLES SUBSIDIARIES" means, collectively, ChoicePoint Capital,
Inc., a Delaware corporation and ChoicePoint Financial, Inc., a Delaware
corporation.

         1.8      Appendix A to the Master Agreement is further hereby amended
by replacing the definitions of "Consolidated Companies", "Consolidated Fixed
Charges", "Consolidated Interest Expense", "Consolidated Net Income (Loss)",
"Consolidated Rental Expense", "Funded Debt", "Indebtedness", "Lease Documents",
"Lease Obligations", "Material Subsidiary", and "Subsidiary" in their entirety
with the following:

         "CONSOLIDATED COMPANIES" means, collectively, the Lessee and all of its
Subsidiaries other than the Receivables Subsidiaries.

         "CONSOLIDATED FIXED CHARGES" means, for any fiscal period of the
Lessee, the sum of (A) Consolidated Interest Expense, plus (B) Consolidated
Rental Expense, plus (C) dividends and distributions on Capital Stock paid in
cash during such fiscal period by the Lessee, any other Consolidated Company or
any Receivables Subsidiary.

         "CONSOLIDATED INTEREST EXPENSE" means, for any fiscal period of the
Lessee, total interest expense of the Consolidated Companies and the Receivables
Subsidiaries (including without limitation, interest expense attributable to
capitalized leases in accordance with GAAP, 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) determined on a
consolidated basis in accordance with GAAP.

         "CONSOLIDATED NET INCOME (LOSS)" means, for any fiscal period of the
Lessee, the net income (or loss) of the Consolidated Companies and the
Receivables Subsidiaries for such period (taken as a single accounting period),
but excluding therefrom (to the extent otherwise included therein) the income of
any Consolidated Company or any Receivables Subsidiary to the extent that the
declaration or payment of dividends or similar distributions by such
Consolidated Company or Receivables Subsidiary of that income is not at the time
permitted by operation of the terms of its charter or any agreement, instrument,
judgment, decree, order, statute, rule or governmental regulation.

         "CONSOLIDATED RENTAL EXPENSE" means, for any fiscal period of the
Lessee, the operating lease expense of the Consolidated Companies and the
Receivables Subsidiaries determined in accordance with GAAP for leases with an
initial term greater than one year, as disclosed in the notes to the Lessee's
consolidated financial statements of the Consolidated Companies or as disclosed
in the Notes to any Receivables Subsidiary's financial statements, determined on
a consolidated basis in accordance with GAAP.

         "CREDIT AGREEMENT" means the Revolving Credit Agreement, dated as of
May 10, 2002 among the Lessee, as Borrower, the Lenders party thereto from time
to time, SunTrust Bank, as Administrative Agent, Wachovia Bank, National
Association, as Syndication Agent, and U.S. Bank National Association and BNP
Paribas, as Documentation Agents.

                                        5
<PAGE>

         "FUNDED DEBT" means all Indebtedness for money borrowed, Indebtedness
evidenced or secured by purchase money Liens, capitalized leases, outstandings
under asset securitization vehicles, conditional sales contracts and similar
title retention debt instruments, including any current maturities of the
foregoing, which by its terms matures less than one year from the date of any
calculation thereof or which is renewable or extendable at the option of the
obligor to a date beyond one year from such date. The calculation of Funded Debt
shall include (i) all Funded Debt of the Consolidated Companies and the
Receivables Subsidiaries, plus (ii) all Funded Debt of other Persons to the
extent guaranteed by a Consolidated Company or a Receivables Subsidiary, to the
extent supported by a letter of credit issued for the account of a Consolidated
Company or a Receivables Subsidiary, or as to which and to the extent which a
Consolidated Company or a Receivables Subsidiary or their respective assets
otherwise have become liable for payment thereof, plus (iii) the redemption
amount with respect to the stock of the Lessee required to be redeemed during
the next succeeding twelve months at the option of the holder or its
Subsidiaries. Notwithstanding the foregoing, "Funded Debt" shall exclude (x) the
Lease Obligations in an amount not to exceed $77,000,000 (but Lease Obligations
in excess of $77,000,000 shall be included in "Funded Debt"), and (y) all
operating lease obligations.

         "INDEBTEDNESS" of any Person means, without duplication (i) all
obligations of such Person which in accordance with GAAP would be shown on the
balance sheet of such Person as a liability (including, without limitation,
obligations for borrowed money and for the deferred purchase price of property
or services, and obligations evidenced by bonds, debentures, notes or other
similar instruments); (ii) all rental obligations under leases required to be
capitalized under GAAP; (iii) all Guaranties of such Person; (iv) all
obligations, contingent or otherwise, of such Person relative to the face amount
of letters of credit, whether or not drawn, including, without limitation (but
without duplication), any Reimbursement Obligations (as defined in the Credit
Agreement), and banker's acceptances issued for the account of such Person; (v)
Indebtedness of others secured by any Lien upon property owned by such Person,
whether or not assumed; (vi) obligations or other liabilities under currency
contracts, interest rate hedging contracts, or similar agreements or
combinations thereof to the extent required to be disclosed in such Person's
financial statements in accordance with GAAP and (vii) the Lease Obligations.
Notwithstanding the foregoing, "Indebtedness" shall exclude the Bond Obligations
to the extent not required to be classified as a liability in accordance with
GAAP.

         "LEASE DOCUMENTS" means, collectively, (i) the Operative Documents,
(ii) that certain Lease Agreement, dated as of August 29, 2001, by and between
the Lessee and certain of its Subsidiaries, as lessees, and Atlantic Financial
Group, Ltd., as lessor, pursuant to which the Lessee has leased certain real
property located at 1050 Alderman Drive, Alpharetta, GA 30005, (iii) that
certain Master Agreement, dated as of August 29, 2001, by and among the Lessee
and certain of its Subsidiaries, as lessees, the Lessee, as guarantor, Atlantic
Financial Group, Ltd., as lessor, and SunTrust Bank, as Agent, (iv) a
contemplated transaction by and among Development Authority of Fulton County,
the Lessee, and Atlantic Financial Group, Ltd., wherein, in connection with a
contemplated Development Authority of Fulton County Taxable Industrial
Development Revenue Bond (ChoicePoint Inc. Project), Building Series, which bond
is currently contemplated to be in a principal amount of approximately
$52,200,000, the property subject to the Master Agreement and the Lease
Agreement described in clauses (ii) and (iii) will be transferred by Atlantic
Financial Group, Ltd. to Development Authority of Fulton County, leased back by
Atlantic Financial Group, Ltd. and subleased by the Lessee from Atlantic

                                        6
<PAGE>

Financial Group, Ltd., still subject to such Master Agreement and the terms
contained in such Lease Agreement and (v) all other documents, instruments and
agreements executed in connection therewith (as the same may be amended,
restated, supplemented or otherwise modified from time to time as permitted by
this Agreement).

         "LEASE OBLIGATIONS" means the obligations of the Lessee under the Lease
Documents in an aggregate amount not to exceed $77,000,000, as such amount may
be increased with the consent of the Funding Parties and in accordance with
Section 7.12 of the Credit Agreement.

         "MATERIAL SUBSIDIARY" means each Subsidiary of the Lessee (other than
the Receivables Subsidiaries), now existing or hereafter established or
acquired, that at any time prior to the Lease Termination Date (i) has or
acquires assets which constitute fifteen percent (15%) or more of the Total
Assets or (ii) accounts for or produces fifteen percent (15%) or more of
Consolidated EBITDA during the most recently completed fiscal year of the
Lessee.

         "SUBSIDIARY" means, with respect to any Person, any corporation or
other entity (including, without limitation, partnerships, joint ventures, and
associations) regardless of its jurisdiction of organization or formation, at
least a majority of the total combined voting power of all classes of voting
stock or other ownership interests of which shall, at the time as of which any
determination is being made, be owned by such Person, either directly or
indirectly through one or more other Subsidiaries; provided, that the
Receivables Subsidiaries shall not be deemed to be Subsidiaries hereunder.

         1.9      Exhibit E (Compliance Certificate) to the Master Agreement is
hereby deleted and Exhibit E attached hereto is substituted therefor.

         Section 2.        Representations and Warranties. The Lessee represents
and warrants to each of the other parties hereto that each of the
representations and warranties of the Lessee 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.

                                        7
<PAGE>

         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)

                                        8
<PAGE>

         IN WITNESS WHEREOF, the parties hereto have caused this Third 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 Corporate Secretary

                                    [CORPORATE SEAL]

                                        9
<PAGE>

                                    SUNTRUST BANKS, INC.,
                                    as Lessor

                                    By: /s/ Daniel S. Komitor
                                       ----------------------------
                                    Name Printed: Daniel S. Komitor
                                    Title: Director

                                    SUNTRUST BANK,
                                    as Agent

                                    By: /s/ Daniel S. Komitor
                                       ----------------------------
                                    Name Printed: Daniel S. Komitor
                                    Title: Director

                                       10

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