Document:

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                                                                   EXHIBIT 10.15

                             GRANTOR TRUST AGREEMENT

         THIS GRANTOR TRUST AGREEMENT (the "Trust Agreement") is made effective
this 8th day of July, 2001, by and between Certegy Inc., a Georgia corporation,
(the "Company") and Wachovia Bank, N.A. (the "Trustee").

                                    RECITALS

(a)      WHEREAS, the Company has adopted the Executive Life and Supplemental
         Retirement Benefit Plan (the "Plan");

(b)      WHEREAS, the Company has incurred or expects to incur liability under
         the terms of the Plan with respect to the individuals participating in
         the Plan and their designated beneficiaries (the "Participants" and
         "Beneficiaries");

(c)      WHEREAS, the Company hereby establishes this Trust (the "Trust") and
         shall contribute to the Trust assets that shall be held therein,
         subject to the claims of the Company's creditors in the event of the
         Company's Insolvency, as herein defined, until distributed in such
         manner and at such times as specified in the Plan and in this Trust
         Agreement;

(d)      WHEREAS, it is the intention of the parties that this Trust shall
         constitute an unfunded arrangement and shall not affect the status of
         the Plan as an unfunded plan maintained for the purpose of providing
         deferred compensation for a select group of management or highly
         compensated employees for purposes of Title I of the Employee
         Retirement Income Security Act of 1974, as amended ("ERISA"); and

(e)      WHEREAS, it is the intention of the Company to make contributions to
         the Trust to provide itself with a source of funds (the "Fund") to
         assist it in satisfying its liabilities under the Plan in the
         circumstances described herein.

         NOW, THEREFORE, the parties do hereby establish the Trust and agree
that the Trust shall be comprised, held and disposed of as follows:

SECTION 1.                 ESTABLISHMENT OF THE TRUST

(a)      The Trust is intended to be a grantor trust, of which the Company is
         the grantor, within the meaning of subpart E, part I, subchapter J,
         chapter 1, subtitle A of the Internal Revenue Code of 1986, as amended,
         and shall be construed accordingly.

(b)      The Company shall be considered the grantor for the purposes of the
         Trust.

(c)      The Trust hereby established is revocable by the Company; and it shall
         become irrevocable upon a Change of Control, as defined in Section 15.
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(d)       The Company hereby deposits with the Trustee in the Trust One Thousand
          Dollars ($1,000.00) which shall become the initial principal of the
          Trust to be held, administered and disposed of by the Trustee as
          provided in this Trust Agreement.

(e)       The principal of the Trust, and any earnings thereon shall be held in
          the Trust separate and apart from other funds of the Company and shall
          be used exclusively for the uses and purposes of Participants and
          general creditors as herein set forth. Participants and their
          Beneficiaries shall have no preferred claim on, or any beneficial
          ownership interest in, any assets of the Trust. Any rights created
          under the Plan and this Trust Agreement shall be unsecured contractual
          rights of Participants and their Beneficiaries against the Company.
          Any assets held by the Trust will be subject to the claims of the
          general creditors of the Company under federal and state law in the
          event the Company is Insolvent, as defined in Section 3(a) herein.

(f)       The Company, in its sole discretion, may at any time, and from time to
          time, make additional deposits of cash or other property, including
          Company stock, acceptable to the Trustee to augment the principal to
          be held, administered and disposed of by the Trustee as provided in
          this Trust Agreement. Prior to a Change of Control, neither the
          Trustee nor any Participant or Beneficiary shall have any right to
          compel additional deposits.

(g)       Upon a Potential Change of Control (as defined in Section 15), the
          Company shall, as soon as possible, but in no event longer than thirty
          (30) days following the occurrence of a Potential Change of Control,
          make an additional contribution to the Trust, if required, in an
          amount that is sufficient, when aggregated with the other assets of
          the Trust, to fund the Trust in an amount equal to no less than 100%
          but no more than 120% of the amount necessary to pay the insurance
          premiums required on Policies, as defined herein, purchased pursuant
          to the Plan, until such Policies have been fully paid, in accordance
          with Section 2(c) below.

(h)       In the event a Change of Control does not occur within one year of a
          Potential Change of Control, the Company shall have the right to
          recover any amounts contributed to and remaining on hand in the Trust.

(i)       Upon a Change of Control, the Company shall, as soon as possible, but
          in no event longer than thirty (30) days following the occurrence of a
          Change of Control make an irrevocable contribution to the Trust in any
          additional amount which is necessary to be sufficient to fund the
          Trust in an amount equal to no less than 100% but no more than 120% of
          the amount necessary to pay the insurance premiums required on
          Policies purchased pursuant to the Plan, until such Policies have been
          fully paid, in accordance with Section 2(c) below.

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SECTION 2.                PAYMENTS FROM THE TRUST

(a)      Prior to a Change of Control, distributions from the Trust shall be
         made by the Trustee to the insurance company identified in or pursuant
         to Section 2(e) below (the "Insurance Company") at the direction of the
         Company.

(b)      As insurance premiums become due with respect to the life insurance
         policies (each a "Policy") purchased pursuant to the Plan on the lives
         of the Participants, the Company shall - (i) pay such insurance
         premiums directly to the Insurance Company, (ii) transfer to the
         Trustee within thirty (30) days prior to the premium due date funds
         sufficient to allow the Trustee to pay to the Insurance Company such
         insurance premiums, or (iii) direct the Trustee to pay directly to the
         Insurance Company such insurance premiums from the Fund.

(c)      (1)      After a Potential Change of Control and before a Change of
         Control, the Company shall deliver to the Trustee a schedule of
         insurance premiums due under the Plan. Subsequent to a Change of
         Control, the Trustee shall pay insurance premiums due in accordance
         with such schedule. If the Company has not transferred the required
         amounts at least thirty (30) days prior to each due date, the Trustee
         shall make such payments from the assets of the Fund. If the principal
         of the Trust, and any earnings thereon, are not sufficient to make
         payments of insurance premiums in accordance with the terms of such
         schedule, the Company shall make the balance of each such payment as it
         falls due in accordance with such Schedule. The Trustee shall notify
         the Company in the event that principal and earnings are not sufficient
         to make any premium payment. Nothing in this Trust Agreement shall
         relieve the Company of its liabilities to pay benefits due under the
         Plan except to the extent such liabilities are met by application of
         assets of the Trust.

         (2)      Subsequent to a Change of Control, if the Company borrows any
         portion of the cash surrender value of any Policy, the Trustee shall
         immediately repay to the Insurance Company any amount that has been so
         borrowed, as certified to it by the Participant whose Policy is the
         subject of the loan. The Trustee may request any further reasonable
         evidence of such a loan.

         (3)      Subsequent to a Change of Control, if the Trustee becomes
         aware that the Company withdraws any portion of the cash surrender
         value of any Policy, the Trustee shall consult with the Insurance
         Company or the broker of record, as it deems appropriate, to determine
         the maximum premiums which may be paid on an annual basis to restore
         any such withdrawal and to retain the life insurance nature of the
         Policy, and shall make said payments.

(d)      The Trustee may institute an action to collect a contribution due the
         Trust following a Change of Control or in the event that the Trust
         should ever experience a short-fall in the amount of assets necessary
         to make current payments pursuant to the terms of the Plan.

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(e)      The primary purposes of this Trust are to insure (i) that, following a
         Change of Control, premiums will continue to be paid to Pacific Life
         Insurance Company, or such successor company as the Company may
         identify to the Trustee in writing, as required pursuant to the Plan
         and all split-dollar life insurance agreements with employees of the
         Company or its subsidiaries which have been entered into by the Company
         and Plan Participants pursuant to the Plan, and (ii) that any successor
         to the Company, or its successor management, does not withdraw cash
         values from the Policies prior to the respective distribution dates of
         said Policies. Prior to a Change of Control, the payment of Policy
         insurance premiums will be made pursuant to the provisions of Section
         2(b). Subsequent to a Change of Control, the Trustee shall make such
         payments unless the Company has previously certified to having made
         them, according to the provisions hereof. In order to make such
         payments, the Trustee may be required to sell all or a portion of any
         assets held in the Fund. In the event that the Fund includes Company
         stock, the Company hereby agrees to promptly, and in any event within
         sixty (60) days of a request for registration by the Trustee, take any
         and all actions necessary to register the Company stock held in the
         fund for sale and to maintain on a continuous basis any registrations
         required to permit said sales pursuant to applicable federal and state
         laws, until all Company stock has been sold. In connection with any
         such securities registrations, the Company shall take any and all
         actions necessary in connection therewith, including without
         limitation: (i) causing any special audits to be performed, if required
         and (ii) if requested by the Trustee, entering into an underwriting
         agreement with underwriters selected by the Trustee in customary form
         including providing indemnification for the underwriters and the
         Trustee. Any and all costs arising in connection with the filing of any
         securities registrations, including the fees and disbursements of
         counsel for the Trustee, shall be borne entirely by the Company other
         than underwriting discounts and commissions or commissions of broker
         dealers which shall be payable by the Trustee from the assets of the
         Trust. The Company consents that an action may be brought in equity or
         in law by the Trustee or by any Participant in the Plan, to compel its
         compliance with the provisions of this Trust, including but not limited
         to the foregoing sentence and the provisions of Section 2(d) above.

SECTION 3.                 TRUSTEE RESPONSIBILITY REGARDING PAYMENTS WHEN THE
                           COMPANY IS INSOLVENT

(a)      The Trustee shall cease payment of insurance premiums to the Insurance
         Company if the Company is Insolvent. The Company shall be considered
         "Insolvent" for purposes of this Trust Agreement if (i) the Company is
         unable to pay its debts as they become due, (ii) the Company is
         subject to a pending proceeding as a debtor under the United States
         Bankruptcy Code or (iii) the Company is determined to be insolvent by
         the Federal Deposit Insurance Corporation, the Federal Reserve, or the
         Office of the Comptroller of Currency.

(b)      At all times during the continuance of this Trust, the principal and
         income of the Trust shall be subject to claims of general creditors of
         the Company under federal and state law as set forth below.

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                  (1)      The Board of Directors and the Chief Executive
                  Officer of the Company shall have the duty to inform the
                  Trustee in writing that the Company is Insolvent. If a person
                  claiming to be a creditor of the Company alleges in writing to
                  the Trustee that the Company has become Insolvent, the Trustee
                  shall determine whether the Company is Insolvent and, pending
                  such determination, the Trustee shall discontinue payment of
                  insurance premiums to the Insurance Company.

                  (2)      Unless the Trustee has actual knowledge that the
                  Company is Insolvent, or has received notice from the Company
                  or a person claiming to be a creditor alleging that the
                  Company is Insolvent, the Trustee shall have no duty to
                  inquire whether the Company is Insolvent. The Trustee may in
                  all events rely on such evidence concerning the Company's
                  solvency as may be furnished to the Trustee and that provides
                  the Trustee with a reasonable basis for making a determination
                  concerning the Company's solvency.

                  (3)      If at any time the Trustee has determined that the
                  Company is Insolvent, the Trustee shall discontinue paying
                  insurance premiums to the Insurance Company and shall hold the
                  assets of the Trust for the benefit of the Company's general
                  creditors. Nothing in this Trust Agreement shall in any way
                  diminish any rights of Participants or their Beneficiaries to
                  pursue their rights as general creditors of the Company with
                  respect to payments due under the Plan or otherwise.

                  (4)      The Trustee shall resume the payment of insurance
                  premiums to the Insurance Company in accordance with Section 2
                  of this Trust Agreement only after the Trustee has determined
                  that the Company is not Insolvent (or is no longer Insolvent).

(c)       Provided that there are sufficient assets, if the Trustee discontinues
          the payment of insurance premiums from the Trust pursuant to Section
          3(b) hereof and subsequently resumes such payments, the first payment
          following such discontinuance shall include the aggregate amount of
          all payments due to the Insurance Company under the terms of the Plan
          for the period of such discontinuance, less the aggregate amount of
          any payments made to the Insurance Company by the Company in lieu of
          the payments provided for hereunder during any such period of
          discontinuance.

SECTION 4.                 PAYMENTS WHEN A SHORTFALL OF THE TRUST ASSETS OCCURS

(a)       If there are not sufficient assets for the payment of insurance
          premiums pursuant to Section 2 or Section 3(c) hereof and the Company
          does not otherwise make such payments within a reasonable time after
          demand from the Trustee, the Trustee shall make payment of insurance
          premiums from the Trust to the Insurance Company for the benefit of
          Participants and their Beneficiaries in the following order of
          priority:

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         (1)      All Policies should be funded based on original expected
                  performance, with premiums adequate to keep the Policies in
                  force until the insured attains age 100; and

         (2)      Any remaining funding should be made pro-rata based upon
                  remaining scheduled premium payments.

         It is understood that it is not possible to anticipate precisely future
         financial status of the Policies, and the contingencies that could
         occur both before and after a Change of Control. Therefore, the Trustee
         will have discretion to implement any reasonable method of allocating
         Trust assets that are, in its sole discretion, determined to ensure
         complete funding of the Policies pursuant to the premium schedule
         provided. The Trustee may rely solely on the services of the broker of
         record as well as any other sources in making this determination.

(b)      Upon receipt of a contribution from the Company necessary to make up
         for a shortfall in the payments due, the Trustee shall resume payments
         to the Insurance Company under the Plan. Following a Change of Control,
         the Trustee shall have the right to compel a contribution to the Trust
         from the Company to make up for any shortfall.

SECTION 5.                 PAYMENTS TO THE COMPANY

Except as provided in Section 3 hereof in the event the Company is Insolvent,
after the Trust has become irrevocable (as provided in Section 1) the Company
shall have no right or power to direct the Trustee to return to the Company or
to divert to others any of the Trust assets before all payment of insurance
premiums have been made to the Insurance Company pursuant to the terms of the
Plan.

SECTION 6.                 INVESTMENT AUTHORITY

(a)      Consistent with the provisions of Section 10(a) below, the Trustee
         shall not be liable in discharging its duties hereunder, including,
         without limitation, its duty to invest and reinvest the Fund, if it
         acts for the exclusive benefit of the Participants and their
         Beneficiaries, in good faith and as a prudent person would act in
         accomplishing a similar task and in accordance with the terms of this
         Trust Agreement and any applicable federal or state laws, rules or
         regulations.

(b)      Subsequent to a Change of Control, the Trustee shall have the following
         powers, in investing and reinvesting the Fund, in its sole discretion:

         (1)      To invest and reinvest in any readily marketable common and
                  preferred stocks, bonds, notes, debentures (including
                  convertible stocks and securities but not including any stock
                  or security of the Trustee other than a de minimis amount held
                  in a collective or mutual fund), certificates of deposit or
                  demand or time deposits (including any such deposits with the
                  Trustee) and shares of investment companies and mutual funds,
                  without being limited to the classes or property in

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                  which the Trustee is authorized to invest by any law or any
                  rule of court of any state and without regard to the
                  proportion any such property may bear to the entire amount of
                  the Fund. Without limitation, the Trustee may invest the Trust
                  in any investment company (including any investment company or
                  companies for which the Trustee or an affiliated company acts
                  as the investment advisor ("Special Investment Companies") or,
                  any insurance contract or contracts issued by an insurance
                  company or companies in each case as the Trustee may determine
                  provided that the Trustee may in its sole discretion keep such
                  portion of the Trust in cash or cash balances for such
                  reasonable periods as may from time to time be deemed
                  advisable pending investment or in order to meet contemplated
                  payments of insurance premiums;

         (2)      To commingle for investment purposes all or any portion of the
                  Fund with assets of any other similar trust or trusts
                  established by the Company with the Trustee for the purpose of
                  safeguarding deferred compensation or retirement income
                  benefits of its employees and/or directors;

         (3)      To retain any property at any time received by the Trustee;

         (4)      To sell or exchange any property held by it at public or
                  private sale, for cash or on credit, to grant and exercise
                  options for the purchase or exchange thereof, to exercise all
                  conversion or subscription rights pertaining to any such
                  property and to enter into any covenant or agreement to
                  purchase any property in the future;

         (5)      To participate in any plan of reorganization, consolidation,
                  merger, combination, liquidation or other similar plan
                  relating to property held by it and to consent to or oppose
                  any such plan or any action thereunder or any contract, lease,
                  mortgage, purchase, sale or other action by any person;

         (6)      To deposit any property held by it with any protective,
                  reorganization or similar committee, to delegate discretionary
                  power thereto, and to pay part of the expenses and
                  compensation thereof any assessments levied with respect to
                  any such property to be deposited;

         (7)      To extend the time of payment of any obligation held by it;

         (8)      To hold uninvested any monies received by it, without
                  liability for interest thereon, but only in anticipation of
                  payments due for investments, reinvestments, expenses or
                  disbursements;

         (9)      To exercise all voting or other rights with respect to any
                  property held by it and to grant proxies, discretionary or
                  otherwise;

         (10)     For the purposes of the Trust, to borrow money from others, to
                  issue its promissory note or notes therefor, and to secure the
                  repayment thereof by pledging any property held by it;

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         (11)     To employ suitable contractors and counsel, who may be counsel
                  to the Company or to the Trustee, and to pay their reasonable
                  expenses and compensation from the Fund to the extent not paid
                  by the Company;

         (12)     To register investments in its own name or in the name of a
                  nominee; to hold any investment in bearer form; and to combine
                  certificates representing securities with certificates of the
                  same issue held by it in other fiduciary capacities or to
                  deposit or to arrange for the deposit of such securities with
                  any depository, even though, when so deposited, such
                  securities may be held in the name of the nominee of such
                  depository with other securities deposited therewith by other
                  persons, or to deposit or to arrange for the deposit of any
                  securities issued or guaranteed by the United States
                  government, or any agency or instrumentality thereof,
                  including securities evidenced by book entries rather than by
                  certificates, with the United States Department of the
                  Treasury or a Federal Reserve Bank, even though, when so
                  deposited, such securities may not be held separate from
                  securities deposited therein by other persons; provided,
                  however, that no securities held in the Fund shall be
                  deposited with the United States Department of the Treasury or
                  a Federal Reserve Bank or other depository in the same account
                  as any individual property of the Trustee, and provided,
                  further, that the books and records of the Trustee shall at
                  all times show that all such securities are part of the Trust
                  Fund;

         (13)     To settle, compromise or submit to arbitration any claims,
                  debts or damages due or owing to or from the Trust,
                  respectively, to commence or defend suits or legal proceedings
                  to protect any interest of the Trust, and to represent the
                  Trust in all suits or legal proceedings in any court or before
                  any other body or tribunal; provided, however, that the
                  Trustee shall not be required to take any such action unless
                  it shall have been indemnified by the Company to its
                  reasonable satisfaction against liability or expenses it might
                  incur therefrom;

         (14)     To hold and retain policies of life insurance, annuity
                  contracts, and other property of any kind which policies are
                  contributed to the Trust by the Company or any subsidiary of
                  the Company or are purchased by the Trustee;

         (15)     To hold any other class of assets which may be contributed by
                  the Company and that is deemed reasonable by the Trustee,
                  unless expressly prohibited herein;

         (16)     To loan any securities at any time held by it to brokers or
                  dealers upon such security as may be deemed advisable, and
                  during the terms of any such loan to permit the loaned
                  securities to be transferred into the name of and voted by the
                  borrower or others; and

         (17)     Generally, to do all acts, whether or not expressly
                  authorized, that the Trustee may deem necessary or desirable
                  for the protection of the Fund.

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(c)      Prior to a Change of Control, the Company shall have the right, subject
         to this Section, to direct the Trustee with respect to investments.
         Absent any such direction, the Trustee shall continue the investment of
         the Fund as provided in this section.

         (1)      The Company may at any time direct the Trustee to segregate
                  all or a portion of the Fund in a separate investment account
                  or accounts and may appoint one or more investment managers
                  and/or an investment committee established by the Company to
                  direct the investment and reinvestment of each such investment
                  account or accounts. In such event, the Company shall notify
                  the Trustee of the appointment of each such investment manager
                  and/or investment committee. No such investment manager shall
                  be related, directly or indirectly, to the Company, but
                  members of the investment committee may be employees of the
                  Company.

         (2)      Thereafter, the Trustee shall make every sale or investment
                  with respect to such investment account as directed in writing
                  by the investment manager or investment committee. It shall be
                  the duty of the Trustee to act strictly in accordance with
                  each direction. The Trustee shall be under no duty to question
                  any such direction of the investment manager or investment
                  committee, to review any securities or other property held in
                  such investment account or accounts acquired by it pursuant to
                  such directions or to make any recommendations to the
                  investment manager or investment committee with respect to
                  such securities or other property.

         (3)      Notwithstanding the foregoing, the Trustee, without obtaining
                  prior approval or direction from an investment manager or
                  investment committee, shall invest cash balances held by it
                  from time to time in short term cash equivalents including,
                  but not limited to, through the medium of any short term
                  common, collective or commingled trust fund established and
                  maintained by the Trustee subject to the instrument
                  establishing such trust fund, U.S. Treasury Bills, commercial
                  paper (including such forms of commercial paper as may be
                  available through the Trustee's Trust Department),
                  certificates of deposit (including certificates issued by the
                  Trustee in its separate corporate capacity), and similar type
                  securities, with a maturity not to exceed one year; and,
                  furthermore, sell such short term investments as may be
                  necessary to carry out the instructions of an investment
                  manager or investment committee regarding more permanent type
                  investment and directed distributions.

         (4)      The Trustee shall neither be liable nor responsible for any
                  loss resulting to the Fund by reason of any sale or purchase
                  of an investment directed by an investment manager or
                  investment committee nor by reason of the failure to take any
                  action with respect to any investment which was acquired
                  pursuant to any such direction in the absence of further
                  directions of such investment manager or investment committee.

         (5)      Notwithstanding anything in this Agreement to the contrary,
                  the Trustee shall be indemnified and saved harmless by the
                  Company from and against any and all

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                  personal liability to which the Trustee may be subjected by
                  carrying out any directions of an investment manager or
                  investment committee issued pursuant hereto or for failure to
                  act in the absence of directions of the investment manager or
                  investment committee including all expenses reasonably
                  incurred in its defense in the event the Company fails to
                  provide such defense; provided, however, the Trustee shall not
                  be so indemnified if it participates knowingly in, or
                  knowingly undertakes to conceal, an act or omission of an
                  investment manager or investment committee, having actual
                  knowledge that such act or omission is a breach of a fiduciary
                  duty; provided further, however, that the Trustee shall not be
                  deemed to have knowingly participated in or knowingly
                  undertaken to conceal an act or omission of an investment
                  manager or investment committee with knowledge that such act
                  or omission was a breach of fiduciary duty by merely complying
                  with directions of an investment manager or investment
                  committee or for failure to act in the absence of directions
                  of an investment manager or investment committee. The Trustee
                  may rely upon any order, certificate, notice, direction or
                  other documentary confirmation purporting to have been issued
                  by the investment manager or investment committee which the
                  Trustee believes to be genuine and to have been issued by the
                  investment manager or investment committee. The Trustee shall
                  not be charged with knowledge of the termination of the
                  appointment of any investment manager or investment committee
                  until it receives written notice thereof from the Company.

(d)      Following a Change of Control, the Trustee shall have the sole and
         absolute discretion in the management of the Trust assets and shall
         have all the powers set forth under Section 6(b). In investing the
         Trust assets, the Trustee shall consider:

         (1)      the needs of the Plan;

         (2)      the need for matching of the Trust assets with the liabilities
                  of the Plan; and

         (3)      the duty of the Trustee to act solely in the best interests of
                  the Participants and their Beneficiaries.

(e)      The Trustee shall have the right, in its sole discretion, to delegate
         its investment responsibility to an investment manager who may be an
         affiliate of the Trustee. In the event the Trustee shall exercise this
         right, the Trustee shall remain, at all times responsible for the acts
         of an investment manager. The Trustee shall have the right to purchase
         an insurance policy or an annuity to fund the benefits of the Plan.

(f)      Prior to a Change of Control, the Company shall have the right at any
         time, and from time to time in its sole discretion, to substitute
         assets of equal fair market value for any asset held by the Trust. This
         right is exercisable by the Company in a nonfiduciary capacity without
         the approval or consent of any person in a fiduciary capacity.

SECTION 7.                 INSURANCE CONTRACTS

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(a)      To the extent that the Trustee is directed by the Company prior to a
         Change of Control to make payments from part or all of the Trust Fund
         in insurance contracts, the type and amount thereof shall be specified
         by the Company. The Trustee shall be under no duty to make inquiry as
         to the propriety of the type or amount so specified.

(b)      Each insurance contract issued shall provide that the owner thereof
         shall have the power to exercise all rights, privileges, options and
         elections granted by or permitted under such contract or under the
         rules of the insurer.

(c)      The Trustee shall have no power to name a beneficiary of the policy to
         assign the policy (as distinct from conversion of the policy to a
         different form), or to loan to any person the proceeds of any borrowing
         against such an insurance policy.

(d)      No insurer shall be deemed to be a party to the Trust and an insurer's
         obligations shall be measured and determined solely by the terms of
         contracts and other agreements executed by the insurer.

SECTION 8.                 DISPOSITION OF INCOME

(a)      Prior to a Change of Control, all income received by the Trust, net of
         expenses and taxes, may be returned to the Company or accumulated and
         reinvested within the Trust at the direction of the Company.

(b)      Following a Change of Control, all income received by the Trust, net of
         expenses and taxes, shall be accumulated and reinvested within the
         Trust.

SECTION 9.                 ACCOUNTING BY THE TRUSTEE

The Trustee shall keep accurate and detailed records of all investments,
receipts, disbursements, and all other transactions required to be made,
including such specific records as shall be agreed upon in writing between the
Company and the Trustee within forty-five (45) days following the close of each
calendar year and within forty-five (45) days after the removal or resignation
of the Trustee. The Trustee shall deliver to the Company a written account of
its administration of the Trust during such year or during the period from the
close of the last preceding year to the date of such removal or resignation
setting forth all investments, receipts, disbursements and other transactions
effected by it, including a description of all securities and investments
purchased and sold with the cost or net proceeds of such purchases or sales
(accrued interest paid or receivable being shown separately), and showing all
cash, securities and other property held in the Trust at the end of such year or
as of the date of such removal or resignation, as the case may be. The Company
may approve such written account by an instrument in writing delivered to the
Trustee. In the absence of the Company's filing with the Trustee objections to
any such written account within ninety (90) days after its receipt, the Company
shall be deemed to have so approved such written account. In such case, or upon
the written approval by the Company of any such written account, the Trustee
shall, to the extent permitted by law, be discharged from all liability to the
Company for its acts or failures to act described by such written account. The

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foregoing, however, shall not preclude the Trustee from having its accounting
settled by a court of competent jurisdiction.

SECTION 10.                RESPONSIBILITY OF THE TRUSTEE

(a)      The Trustee shall act with the care, skill, prudence and diligence
         under the circumstances then prevailing that a prudent person acting in
         like capacity and familiar with such matters would use in the conduct
         of an enterprise of a like character and with like aims, provided,
         however, that the Trustee shall incur no liability to any person for
         any action taken pursuant to a direction, request or approval given by
         the Company which is contemplated by, and in conformity with, the terms
         of the Plan or this Trust Agreement and is given in writing by the
         Company. In the event of a dispute between the Company and a party, the
         Trustee may apply to a court of competent jurisdiction to resolve the
         dispute, subject, however to Section 2(d) hereof.

(b)      The Company hereby indemnifies the Trustee against losses, liabilities,
         claims, costs and expenses in connection with the administration of the
         Trust, unless resulting from the gross negligence or misconduct of
         Trustee. To the extent the Company fails to make any payment on account
         of an indemnity provided in this Section 10(b), in a reasonably timely
         manner, the Trustee may obtain payment from the Trust. If the Trustee
         undertakes or defends any litigation arising in connection with this
         Trust or to protect a Participant's or Beneficiary's rights under the
         Plan, the Company agrees to indemnify the Trustee against the Trustee's
         costs, reasonable expenses and liabilities (including, without
         limitation, attorneys' fees and expenses) relating thereto and to be
         primarily liable for such payments. If the Company does not pay such
         costs, expenses and liabilities in a reasonably timely manner, the
         Trustee may obtain payment from the Trust.

(c)      Prior to a Change of Control, the Trustee may consult with legal
         counsel (who may also be counsel for the Company generally) with
         respect to any of its duties or obligations hereunder. Following a
         Change of Control the Trustee shall select legal counsel independent
         from the Company's counsel and may consult with counsel or other
         experts with respect to its duties and with respect to the rights of
         Participants or their Beneficiaries under the Plan.

(d)      The Trustee may hire agents, accountants, actuaries, investment
         advisors, financial consultants or other professionals to assist it in
         performing any of its duties or obligations hereunder and may rely on
         any determinations made by such agents and information provided to it
         by the Company.

(e)      The Trustee shall have, without exclusion, all powers conferred on the
         Trustee by applicable law, unless expressly provided otherwise herein.

(f)      Notwithstanding any powers granted to the Trustee pursuant to this
         Trust Agreement or to applicable law, the Trustee shall not have any
         power that could give this Trust the objective of carrying on a
         business and dividing the gains therefrom.

                                       12
<PAGE>

SECTION 11.                COMPENSATION AND EXPENSES OF THE TRUSTEE

The Trustee's compensation shall be as agreed in writing from time to time by
the Company and the Trustee. The Company shall pay all administrative expenses
and the Trustee's fees and shall promptly reimburse the Trustee for any fees and
expenses of its agents or such other costs as the Trustee is entitled to incur
hereunder. If not so paid, the fees and expenses shall be paid from the Trust.

SECTION 12.                RESIGNATION AND REMOVAL OF THE TRUSTEE

(a)      Prior to a Change of Control, the Trustee may resign at any time by
         written notice to the Company, which shall be effective sixty (60) days
         after receipt of such notice unless the Company and the Trustee agree
         otherwise. Following a Change of Control, if the Trustee resigns, the
         resignation shall only be effective after the appointment of a
         successor Trustee.

(b)      The Trustee may be removed by the Company on sixty (60) days notice or
         upon shorter notice accepted by the Trustee prior to a Change of
         Control. Subsequent to a Change of Control, the Trustee may only be
         removed by the Company with the consent of a majority of the
         Participants, after they have been informed of the identity of a
         successor trustee.

(c)      If the Trustee resigns within two years after a Change of Control, and
         if the Company fails to act under Section 10(e) below within a
         reasonable period of time following such resignation, the Trustee shall
         apply to a court of competent jurisdiction for the appointment of a
         successor Trustee or instructions.

(d)      Upon resignation or removal of the Trustee and appointment of a
         successor Trustee, all assets shall subsequently be transferred to the
         successor Trustee. The transfer shall be completed within sixty (60)
         days after receipt of notice of resignation, removal or transfer,
         unless the Company extends the time limit.

(e)      If the Trustee resigns or is removed, a successor shall be appointed by
         the Company, in accordance with Section 13 hereof, by the effective
         date of resignation or removal under Sections 10(a) or 10(b) above. If
         no such appointment has been made, the Trustee may apply to a court of
         competent jurisdiction for appointment of a successor or for
         instructions. All expenses of the Trustee in connection with the
         proceeding shall be allowed as administrative expenses of the Trust.

SECTION 13.                APPOINTMENT OF SUCCESSOR

(a)      If the Trustee resigns or is removed in accordance with Section 12
         hereof, the Company may appoint, subject to Section 12, another bank,
         not an affiliate of the Company or any other grantor, any third party
         national banking association with a market capitalization exceeding
         $100,000,000 to replace the Trustee upon resignation or removal. The
         successor Trustee shall have all of the rights and powers of the former
         Trustee, including

                                       13
<PAGE>

         ownership rights in the Trust. The former Trustee shall execute any
         instrument necessary or reasonably requested by the Company or the
         successor Trustee to evidence the transfer.

(b)      The successor Trustee need not examine the records and acts of any
         prior Trustee and may retain or dispose of existing Trust assets,
         subject to Sections 8 and 9 hereof. The successor Trustee shall not be
         responsible for and the Company shall indemnify and defend the
         successor Trustee from any claim or liability resulting from any action
         or inaction of any prior Trustee or from any other past event, or any
         condition existing at the time it becomes successor Trustee.

SECTION 14.                AMENDMENT OR TERMINATION

(a)      Prior to a Change of Control, this Trust Agreement may be amended by a
         written instrument executed by the Trustee and the Company.
         Notwithstanding the foregoing, no such amendment shall conflict with
         the terms of the Plan or shall make the Trust revocable after it has
         become irrevocable in accordance with Section 1 hereof.

(b)      The Trust shall not terminate until the date on which all insurance
         premiums listed on the schedule referred to in Section 2(c)(1) have
         been paid or otherwise satisfied, and any payments required under
         Section 2(c)(3) are completed, or until the Company terminates the
         Trust (if prior to a Change of Control).

(c)      Prior to a Change of Control, the Company may terminate this Trust at
         any time, including prior to the time all benefit payments under the
         Plan have been made. All assets in the Trust at termination shall be
         returned to the Company.

(d)      This Trust Agreement may not be amended or terminated by the Company
         for seven (7) years following a Change of Control without the written
         consent of a majority of the Participants except, if in the opinion of
         counsel satisfactory to the Trustee, such amendment is necessary to
         maintain the tax status of this Trust or the inapplicability of ERISA
         to this Trust.

SECTION 15.                CHANGE OF CONTROL

(a)      For purposes of this Trust, the following terms shall be defined as set
         forth below:

         (1)      "Potential Change of Control" shall mean the occurrence of any
                  one of the following events:

                  (i)      the purchase or other acquisition by any Person of
                           Beneficial Ownership of five percent (5%) or more of
                           either the outstanding shares of common stock or the
                           combined voting power of the Company's then
                           outstanding voting securities entitled to vote
                           generally; provided, however, the purchase or other
                           acquisition by any employee benefit plan (or related
                           trust) sponsored or maintained by - (I) Equifax Inc.
                           (to the extent the

                                       14
<PAGE>

                           acquisition occurs as part of the initial
                           distribution of Company shares on Equifax Inc. shares
                           held by the plan), (II) the Company, or (III) any
                           Subsidiary of the Company, shall be disregarded for
                           purposes of this Section 15(a)(1)(i);

                  (ii)     the announcement by any person of an intention to
                           take actions which might reasonably result in a
                           Change of Control of the Company;

                  (iii)    the issuance of a proxy statement by the Company with
                           respect to an election of directors for which there
                           is proposed one or more directors who are not
                           recommended by the Board of Directors of the Company
                           or its nominating committee, where the election of
                           such proposed director or directors would result in a
                           Change of Control; or

                  (iv)     submission to the Incumbent Board (as defined below)
                           of nominations which, if approved, would change the
                           Executive Officer configuration of the Company (at
                           the Executive Vice President level and above) by
                           fifty percent (50%) or more.

         (2)      "Change of Control" shall mean the occurrence of any one of
                  the following events:

                  (i)      Voting Stock Accumulations. The accumulation by any
                           Person of Beneficial Ownership of twenty percent
                           (20%) or more of the combined voting power of the
                           Company's Voting Stock; provided that for purposes of
                           this Section15(a)(2)(i), a Change of Control will not
                           be deemed to have occurred if the accumulation of
                           twenty percent (20%) or more of the voting power of
                           the Company's Voting Stock results from any
                           acquisition of Voting Stock (I) directly from the
                           Company that is approved by the Incumbent Board, (II)
                           by the Company, (III) by any employee benefit plan
                           (or related trust) sponsored or maintained by the
                           Company or any Subsidiary, or (IV) by any Person
                           pursuant to a Business Combination that complies with
                           all of the provisions of clauses (I), (II) and (III)
                           of Section 15(a)(2)(ii);

                  (ii)     Business Combinations. The consummation of a Business
                           Combination, unless, immediately following that
                           Business Combination, (I) all or substantially all of
                           the Persons who were the beneficial owners of Voting
                           Stock of the Company immediately prior to that
                           Business Combination beneficially own, directly or
                           indirectly, more than sixty-six and two-thirds
                           percent (66-2/3%) of the then outstanding shares of
                           common stock and the combined voting power of the
                           then outstanding voting securities entitled to vote
                           generally in the election of directors of the entity
                           resulting from that Business Combination (including,
                           without limitation, an entity that as a result of
                           that transaction owns the Company or all or
                           substantially all of the Company's assets either
                           directly or through one or

                                       15
<PAGE>

                           more subsidiaries) in substantially the same
                           proportions relative to each other as their
                           ownership, immediately prior to that Business
                           Combination, of the Voting Stock of the Company, (II)
                           no Person (other than the Company, that entity
                           resulting from that Business Combination, or any
                           employee benefit plan (or related trust) sponsored or
                           maintained by the Company, any Eighty Percent (80%)
                           Subsidiary or that entity resulting from that
                           Business Combination) beneficially owns, directly or
                           indirectly, twenty percent (20%) or more of the then
                           outstanding shares of common stock of the entity
                           resulting from that Business Combination or the
                           combined voting power of the then outstanding voting
                           securities entitled to vote generally in the election
                           of directors of that entity, and (III) at least a
                           majority of the members of the Board of Directors of
                           the entity resulting from that Business Combination
                           were members of the Incumbent Board at the time of
                           the execution of the initial agreement or of the
                           action of the board providing for that Business
                           Combination;

                  (iii)    Sale of Assets. A sale or other disposition of all or
                           substantially all of the assets of the Company; or

                  (iv)     Liquidation or Dissolutions. Approval by the
                           shareholders of the Company of a complete liquidation
                           or dissolution of the Company, except pursuant to a
                           Business Combination that complies with all of the
                           provisions of clauses (I), (II) and (III) of Section
                           15(a)(2)(ii).

For purposes of this Section 15(a), the following definitions will apply:

         "Beneficial Ownership" means beneficial ownership as that term is used
         in Rule 13d-3 promulgated under the Exchange Act.

         "Business Combination" means a reorganization, merger or consolidation
         of the Company.

         "Eighty Percent (80%) Subsidiary" means an entity in which the Company
         directly or indirectly beneficially owns eighty percent (80%) or more
         of the outstanding Voting Stock.

         "Exchange Act" means the Securities Exchange Act of 1934, including
         amendments, or successor statutes of similar intent.

         "Incumbent Board" means a Board of Directors at least a majority of
         whom consist of individuals who either are (a) members of the Company's
         Board of Directors as of the day after the spinoff of the Company from
         Equifax Inc. becomes effective or (b) members who become members of the
         Company's Board of Directors subsequent to said date whose election, or
         nomination for election by the Company's shareholders, was approved by
         a vote of at least two-thirds (2/3) of the directors then comprising
         the Incumbent Board (either by a specific vote or by approval of the
         proxy statement of the

                                       16
<PAGE>

         Company in which that person is named as a nominee for director,
         without objection to that nomination), but excluding, for that purpose,
         any individual whose initial assumption of office occurs as a result of
         an actual or threatened election contest (within the meaning of Rule
         14a-11 of the Exchange Act) with respect to the election or removal of
         directors or other actual or threatened solicitation of proxies or
         consents by or on behalf of a Person other than the Board of Directors.

         "Person" means any individual, entity or group (within the meaning of
         Section 13(d)(3) or 14(d)(2) of the Exchange Act).

         "Subsidiary" means an entity more than fifty percent (50%) of whose
         equity interests are owned directly or indirectly by the Company.

         "Voting Stock" means the then outstanding securities of an entity
         entitled to vote generally in the election of members of that entity's
         Board of Directors.

For purposes of this Section 15(a), the Incumbent Board, by a majority vote,
shall have the power to determine on the basis of information known to them (a)
the number of shares beneficially owned by any person, entity or group; (b)
whether there exists an agreement, arrangement or understanding with another as
to matters referred to in this Section 15(a); and (c) such other matters with
respect to which a determination is necessary under this Section 15(a).

(b)      The General Counsel of the Company shall have the specific authority to
         determine whether a Potential Change of Control or Change of Control
         has transpired under the guidance of this Section 15(a) and shall be
         required to give the Trustee notice of a Change of Control or Potential
         Change of Control. The Trustee shall be entitled to rely upon such
         notice, but if the Trustee receives notice of a Potential Change of
         Control or Change of Control from another source, the Trustee shall be
         required to make its own independent determination.

SECTION 16.                MISCELLANEOUS

(a)      Any provision of this Trust Agreement prohibited by law shall be
         ineffective to the extent of any such prohibition, without invalidating
         the remaining provisions hereof.

(b)      The Company hereby represents and warrants that the Plan has been
         established, maintained and administered in accordance with all
         applicable law, including without limitation, ERISA. The Company hereby
         indemnifies and agrees to hold the Trustee harmless from all
         liabilities, including attorney's fees, relating to or arising out of
         the establishment, maintenance and administration of the Plan. To the
         extent the Company does not pay any of such liabilities in a reasonably
         timely manner, the Trustee may obtain payment from the Trust.

(c)      Benefits payable to Participants and their Beneficiaries under this
         Trust Agreement may not be anticipated, assigned (either at law or in
         equity), alienated, pledged, encumbered

                                       17
<PAGE>

         or subjected to attachment, garnishment, levy, execution or other legal
         or equitable process.

(d)      This Agreement is binding upon the successors and assigns of the
         Company and the Trustee.

(e)      This Trust Agreement shall be governed by and construed in accordance
         with the laws of North Carolina.

         IN WITNESS WHEREOF, this Grantor Trust Agreement has been executed on
behalf of the parties hereto on the day and year first above written.

                                     CERTEGY INC.

                                     By: /s/ Richard D. Gapen
                                         ---------------------------------------
                                             Name:  Richard D. Gapen
                                             Title: Corporate Vice President
                                                    of Human Resources

                                     WACHOVIA BANK, N.A.

                                     By: /s/ Joe O. Long
                                         ---------------------------------------
                                             Name:  Joe O. Long
                                             Title: Senior Vice President

                                       18<PAGE>
                                                                   EXHIBIT 10.20

                                  CERTEGY INC.
                            2001 STOCK INCENTIVE PLAN

         1.       Purpose and Effective Date. The purpose of the 2001 Stock
Incentive Plan is to attract and retain directors, officers and other key
employees for Certegy Inc., a Georgia corporation (the "Company"), and its
Subsidiaries and to provide those persons with incentives and rewards for
superior performance. The Plan is effective as of June 15, 2001, the date the
Plan was approved by the Company's Board of Directors. The Plan was approved by
Equifax Inc., as the sole shareholder of the Company, on June 29, 2001.

         2.       Definitions. As used in this Plan:

         "Appreciation Right" means a right granted pursuant to Section 5 of
this Plan, and shall include both Tandem Appreciation Rights and Free-Standing
Appreciation Rights.

         "Base Price" means the price to be used as the basis for determining
the Spread upon the exercise of a Free-Standing Appreciation Right and a Tandem
Appreciation Right.

         "Board" means the Board of Directors of the Company.

         "Change in Control" shall have the meaning provided in Section 11 of
this Plan.

         "Code" means the Internal Revenue Code of 1986, as amended from time to
time.

         "Committee" means the Compensation and Human Resources Committee of the
Board, or any successor committee to which the responsibilities of that
Committee are assigned.

         "Common Share" means shares of common stock, par value $ .01 per share,
of the Company or any security into which such Common Shares may be changed by
reason of any transaction or event of the type referred to in Section 10 of this
Plan.

         "Company" means Certegy Inc., a Georgia corporation.

         "Covered Employee" means a Participant who is, or is determined by the
Board to be likely to become, a "covered employee" within the meaning of Section
162(m) of the Code (or any successor provision).

         "Date of Grant" means the date specified by the Board on which a grant
of Option Rights or Appreciation Rights, or a grant or sale of Restricted Shares
or Deferred Shares shall become effective (which date shall not be earlier than
the date on which the Board or its designee takes action with respect thereto).

         "Deferral Period" means the period of time during which Deferred Shares
are subject to deferral limitations under Section 7 of this Plan.

<PAGE>

         "Deferred Shares" means an award made pursuant to Section 7 of this
Plan of the right to receive Common Shares at the end of a specified Deferral
Period.

         "Director" means a member of the Board of Directors of the Company.

         "Employee Benefits Agreement" means the Employee Benefits Agreement
between Equifax Inc. and the Company dated as of June 30, 2001 which provides
for the treatment of the employee plans in connection with the spin-off of the
Company from Equifax, Inc.

         "Equifax Stock Incentive Plans" means the stock incentive plans
sponsored by Equifax Inc., including the Equifax Inc. 2000 Stock Incentive Plan,
the Equifax Inc. Omnibus Stock Incentive Plan, the 1995 Employee Stock Incentive
Plan or the 1993 Employee Stock Incentive Plan.

         "Exchange Act" means the Securities Exchange Act of 1934, as amended,
and the rules and regulations thereunder, as such law, rules and regulations may
be amended from time to time, including any successor statutes of similar
intent.

         "Free-Standing Appreciation Right" means an Appreciation Right granted
pursuant to Section 5 of this Plan that is not granted in tandem with an Option
Right.

         "Immediate Family" has the meaning ascribed thereto in Rule 16a-1(e)
under the Exchange Act (or any successor rule to the same effect).

         "Incentive Stock Options" means Option Rights that are intended to
qualify as "incentive stock options" under Section 422 of the Code or any
successor provision.

         "Management Objectives" means the measurable performance objective or
objectives established pursuant to this Plan for Participants who have received
grants of Option Rights, Appreciation Rights, Restricted Shares and dividend
credits pursuant to this Plan, which are subject to the achievement of
Management Objectives. Management Objectives may be described in terms of
Company-wide objectives or objectives that are related to the performance of the
individual Participant or of the Subsidiary, division, department, region or
function within the Company or Subsidiary in which the Participant is employed.
The Management Objectives may be made relative to the performance of other
corporations. The Management Objectives applicable to any award to a Covered
Employee shall be based on specified levels of, or growth in, one or more of the
following criteria, as determined for a single year, or cumulatively for a
stated number of years, or as an average over a stated number of years, or
otherwise as determined by the Committee at the time the Management Objective is
established:

                  1.       earnings
                  2.       earnings per share;
                  3.       economic value added;
                  4.       revenue;
                  5.       operating profit;
                  6.       net income;
                  7.       total return to shareholders;
                  8.       market share;
                  9.       profit margins;
                  10.      cash flow/net assets ratio;
                  11.      debt/capital ratio;

                                       2
<PAGE>

                  12.      return on total capital;
                  13.      return on equity;
                  14.      return on assets; and
                  15.      common stock price.

         If the Committee determines that a change in the business, operations,
corporate structure or capital structure of the Company, or the manner in which
it conducts its business, or other events or circumstances render the Management
Objectives unsuitable, the Committee may in its discretion modify such
Management Objectives or the related minimum acceptable level of achievement, in
whole or in part, as the Committee deems appropriate and equitable, except in
the case of a Covered Employee where such action would result in the loss of the
otherwise available exemption of the award under Section 162(m) of the Code. In
the case of a Covered Employee, in determining financial results, items whose
exclusion from consideration will increase the Award shall only have their
effects excluded if they constitute "extraordinary" or "unusual" events or items
under generally accepted accounting principles and all such events and items
shall be excluded. The Committee shall also adjust the performance calculations
to exclude the unanticipated effect on financial results of changes in the Code,
or other tax laws, and the regulations thereunder. The Committee may decrease
the amount of an Award otherwise payable if, in the Committee's view, the
financial performance during the performance cycle justifies such adjustment,
regardless of the extent to which the Performance Measure was achieved.

         "Market Value per Share" means, (i) the closing sale price per Common
Share as reported on the principal exchange on which Common shares are then
trading, if any, or, if applicable, the NASDAQ National Market System, on the
Date of Grant, or if there are no sales on such day, on the next preceding
trading day during which a sale occurred, or (ii) if clause (i) does not apply,
the fair market value of the Common Shares as determined by the Board.

         "Non-Employee Director" means a Director who is not an employee of the
Company or any Subsidiary.

         "Optionee" means the optionee named in an agreement evidencing an
outstanding Option Right.

         "Option Price" means the purchase price payable on exercise of an
Option Right.

         "Option Right" means the right to purchase Common Shares upon exercise
of an option granted pursuant to Section 4 or Section 8 of this Plan.

         "Participant" means a person who is selected by the Committee to
receive benefits under this Plan and who is at the time an officer, or other key
employee of the Company or any one or more of its Subsidiaries, or who has
agreed to commence serving in any of such capacities within 60 days of the Date
of Grant, and shall also include each Non-Employee Director who receives an
award of Option Rights or Restricted Shares, or any other person, whether or not
an employee, Non-Employee Director or officer, who renders significant services
as a consultant or otherwise, in the discretion of the Committee.

                                       3
<PAGE>

         "Plan" means this Certegy Inc. 2001 Stock Incentive Plan, as it may be
amended from time to time.

         "Reload Option Rights" means additional Option Rights granted
automatically to an Optionee upon the exercise of Option Rights pursuant to
Section 4(f) of this Plan.

         "Replacement Awards" means Option Rights or Restricted Shares that are
issued in substitution of awards of option rights or restricted shares that were
granted under the Equifax Stock Incentive Plans to former employees of Equifax
Inc. or subsidiaries of Equifax Inc. who are employees of the Company or its
Subsidiaries as of the date of the spin-off of the Company to the shareholders
of Equifax Inc. or who become employees of the Company after such date pursuant
to the Employee Benefits Agreement. As provided in Section 4(o), the Replacement
Awards shall have the same material terms and conditions under the Plan as such
awards had under the respective Equifax Stock Incentive Plans.

         "Restricted Shares" means Common Shares granted or sold pursuant to
Section 6 or Section 8 of this Plan as to which neither the substantial risk of
forfeiture nor the prohibition on transfers referred to in Section 6 has
expired.

         "Rule 16b-3" means Rule 16b-3 under the Exchange Act (or any successor
rule to the same effect) as in effect from time to time.

         "Securities Act" means the Securities Act of 1933, as amended.

         "Spread" means the excess of the Market Value per Share on the date
when an Appreciation Right is exercised, or on the date when Option Rights are
surrendered in payment of the Option Price of other Option Rights, over the
Option Price or Base Price provided for in the related Option Right or
Free-Standing Appreciation Right, respectively.

         "Subsidiary" means a corporation, company or other entity (i) more than
50 percent of whose outstanding shares or securities (representing the right to
vote for the election of directors or other managing authority) are, or (ii)
which does not have outstanding shares or securities (as may be the case in a
partnership, joint venture or unincorporated association), but more than 50
percent of whose ownership interest representing the right generally to make
decisions for such other entity is, now or hereafter, owned or controlled,
directly or indirectly, by the Company, except that for purposes of determining
whether any person may be a Participant for purposes of any grant of Incentive
Stock Options, "Subsidiary" means any corporation in which, at the time of the
grant, the Company owns or controls, directly or indirectly, more than 50
percent of the total combined voting power represented by all classes of stock
issued by such corporation.

         "Tandem Appreciation Right" means an Appreciation Right granted
pursuant to Section 5 of this Plan that is granted in tandem with an Option
Right.

         "Voting Power" means at any time, the total votes relating to the
then-outstanding securities entitled to vote generally in the election of
Directors.

                                       4
<PAGE>

         3.       Shares Available Under the Plan.

         (a)      Subject to the adjustments provided for in Section 3(b) and
Section 10 of this Plan, the number of Common Shares that may be issued or
transferred (i) upon the exercise of Option Rights or Appreciation Rights, (ii)
as Restricted Shares and released from substantial risks of forfeiture thereof,
(iii) as Deferred Shares, (iv) as awards to Non-Employee Directors or (v) in
payment of dividend equivalents paid with respect to Awards made under the Plan
shall not exceed in the aggregate 6,600,000 Common Shares. Such shares may be
shares of original issuance or treasury shares or a combination of the
foregoing.

         (b)      The number of Common Shares available in Section 3(a) above
shall be adjusted to account for shares relating to awards that expire, are
forfeited or are transferred, surrendered or relinquished upon the payment of
any Option Price by the transfer to the Company of Common Shares or upon
satisfaction of any withholding amount. Upon payment in cash of the benefit
provided by any award granted under this Plan, any shares that were covered by
that award shall again be available for issue or transfer hereunder. In addition
to these adjustments, commencing on January 1, 2002, and on each January 1
thereafter ending on January 1, 2008, an additional number of Common Shares
shall be added to the total available under Section 3(a), equal to one and a
half percent (1 1/2%) of the number of Common Shares issued and outstanding on
that January 1st date.

         (c)      Notwithstanding anything in this Section 3, or elsewhere in
this Plan, to the contrary and subject to adjustment as provided in Section 10
of this Plan, the aggregate number of Common Shares actually issued or
transferred by the Company under this Plan upon the exercise of Incentive Stock
Options shall not exceed 10,000,000 Common Shares. Subject to adjustments as
provided in Section 10, no Participant shall be granted Option Rights and
Appreciation Rights, in the aggregate, for more than 750,000 Common Shares
during any one calendar year; the number of shares issued as Restricted Shares
to any Participant shall not exceed 500,000 Common Shares in any one calendar
year; and no Non-Employee Director shall be granted Option Rights, Appreciation
Rights and Restricted Shares, in the aggregate, for more than 100,000 Common
Shares in any one calendar year.

         4.       Option Rights. The Committee may, from time to time and upon
such terms and conditions as it may determine, authorize the granting to
Participants of options to purchase Common Shares. Such grants may be original
awards or Replacement Awards. Each such grant may utilize any or all of the
authorizations, and shall be subject to all of the requirements contained in the
following provisions:

         (a)      Each grant shall specify the number of Common Shares to which
it pertains subject to the limitations set forth in Section 3 of this plan.

         (b)      Each grant shall specify an Option Price per share, which may
not be less than the Market Value per Share on the Date of Grant, provided that
this restriction shall not apply to Replacement Awards.

         (c)      Each grant shall specify whether the Option Price shall be
payable (i) in cash or by check acceptable to the Company, (ii) by the actual or
constructive transfer to the Company

                                       5
<PAGE>

of Common Shares owned by the Optionee for at least 6 months (or other
consideration authorized pursuant to Section 4(d)) having a value at the time of
exercise equal to the total Option Price, or (iii) by a combination of such
methods of payment.

         (d)      The Committee may determine, at or after the Date of Grant,
that payment of the Option Price of any Option Right (other than an Incentive
Stock Option) may also be made in whole or in part in the form of Restricted
Shares or other Common Shares that are forfeitable or subject to restrictions on
transfer, Deferred Shares, (based, in each case, on the Market Value per Share
on the date of exercise), or other Option Rights (based on the Spread on the
date of exercise). Unless otherwise determined by the Committee at or after the
Date of Grant, whenever any Option Price is paid in whole or in part by means of
any of the forms of consideration specified in this Section 4(d), the Common
Shares received upon the exercise of the Option Rights shall be subject to such
risks of forfeiture or restrictions on transfer as may correspond to any that
apply to the consideration surrendered, but only to the extent, determined with
respect to the consideration surrendered, of (i) the number of shares, or (ii)
the Spread of any unexercisable portion of Option Rights.

         (e)      Any grant may provide for deferred payment of the Option Price
from the proceeds of sale through a bank or broker on a date satisfactory to the
Company of some or all of the shares to which such exercise relates.

         (f)      Any grant may, at or after the Date of Grant, provide for the
automatic grant of Reload Option Rights to an Optionee upon the exercise of
Option Rights (including Reload Option Rights) using Common Shares or other
consideration specified in Section 4(d). Reload Option Rights shall cover up to
the number of Common Shares, Deferred Shares, or Option Rights surrendered to
the Company upon any such exercise in payment of the Option Price or to meet any
withholding obligations. Reload Options may not have an Option Price that is
less than the applicable Market Value per Share at the time of exercise and
shall be on such other terms as may be specified by the Committee, which may be
the same as or different from those of the original Option Rights.

         (g)      Successive grants may be made to the same Participant whether
or not any Option Rights previously granted to such Participant remain
unexercised.

         (h)      Each grant shall specify the period or periods of continuous
service by the Optionee with the Company or any Subsidiary that is necessary
before the Option Rights or installments thereof will become exercisable and may
provide for continued vesting of the Option Rights after a termination of
employment by reason of the Optionee's retirement, death, disability or other
events as specified by the Committee. Each grant may also provide for the
earlier exercise of such Option Rights in the event of a Change in Control,
retirement, death or disability of the Optionee or other similar transaction or
event.

         (i)      Any grant of Option Rights may specify Management Objectives
that must be achieved as a condition to the exercise of such rights.

                                       6
<PAGE>

         (j)      Option Rights granted under this Plan may be (i) options,
including, without limitation, Incentive Stock Options that are intended to
qualify under particular provisions of the Code, (ii) options that are not
intended so to qualify, or (iii) combinations of the foregoing.

         (k)      The Committee may, at or after the Date of Grant of any Option
Rights (other than Incentive Stock Options), provide for the payment of dividend
equivalents to the Optionee on either a current or deferred or contingent basis
or may provide that such equivalents shall be credited against the Option Price.

         (l)      The exercise of an Option Right shall result in the
cancellation on a share-for-share basis of any Tandem Appreciation Right
authorized under Section 5 of this Plan.

         (m)      No Option Right shall be exercisable more than 10 years from
the Date of Grant.

         (n)      Each grant of Option Rights shall be evidenced by an agreement
or other written notice from the Company by an officer and delivered to the
Optionee and containing such terms and provisions, consistent with this Plan, as
the Committee may approve.

         (o)      Each Replacement Award shall reflect the adjustments provided
for in the Employee Benefits Agreements and shall have the same material terms
and conditions as the award it replaces under the Equifax Stock Incentive Plans,
as determined by the Committee. Notwithstanding any other provision in this Plan
to the contrary, no Replacement Award in substitution of an award that qualified
as an Incentive Stock Option immediately before the grant of the Replacement
Award shall contain any term that is more favorable than the terms of the
substituted award.

         5.       Appreciation Rights.

         (a)      The Committee may authorize the granting (i) to any Optionee,
of Tandem Appreciation Rights in respect of Option Rights granted hereunder, and
(ii) to any Participant, of Free-Standing Appreciation Rights. A Tandem
Appreciation Right shall be a right of the Optionee, exercisable by surrender of
the related Option Right, to receive from the Company an amount determined by
the Board, which shall be expressed as a percentage of the Spread (not exceeding
100 percent) at the time of exercise. Tandem Appreciation Rights may be granted
at any time prior to the exercise or termination of the related Option Rights;
provided, however, that a Tandem Appreciation Right awarded in relation to an
Incentive Stock Option must be granted concurrently with such Incentive Stock
Option. A Free-Standing Appreciation Right shall be a right of the Participant
to receive from the Company an amount determined by the Committee, which shall
be expressed as a percentage of the Spread (not exceeding 100 percent) at the
time of exercise.

         (b)      Each grant of Appreciation Rights may utilize any or all of
the authorizations, and shall be subject to all of the requirements, contained
in the following provisions:

                  (i)      Any grant may specify that the amount payable on
         exercise of an Appreciation Right may be paid by the Company in cash,
         in Common Shares or in any combination thereof and may either grant to
         the Participant or retain in the Committee the right to elect among
         those alternatives.

                                       7
<PAGE>

                  (ii)     Any grant may specify that the amount payable on
         exercise of an Appreciation Right may not exceed a maximum specified by
         the Committee at the Date of Grant.

                  (iii)    Any grant may specify waiting periods before exercise
         and permissible exercise dates or periods.

                  (iv)     Any grant may specify that such Appreciation Right
         may be exercised only in the event of, or earlier in the event of, a
         Change in Control or other transaction or event.

                  (v)      Any grant may provide for the payment to the
         Participant of dividend equivalents thereon in cash or Common Shares on
         a current, deferred or contingent basis.

                  (vi)     Any grant of Appreciation Rights may specify
         Management Objectives that must be achieved as a condition of the
         exercise of such Rights.

                  (vii)    Each grant of Appreciation Rights shall be evidenced
         by an agreement executed on behalf of the Company by an officer and
         delivered to and accepted by the Participant, which agreement shall
         describe such Appreciation Rights, identify the related Option Rights
         (if applicable), state that such Appreciation Rights are subject to all
         the terms and conditions of this Plan, and contain such other terms and
         provisions, consistent with this Plan, as the Committee may approve.

         (c)      Any grant of Tandem Appreciation Rights shall provide that
such Rights may be exercised only at a time when the related Option Right is
also exercisable and at a time when the Spread is positive, and by surrender of
the related Option Right for cancellation.

         (d)      Regarding Free-standing Appreciation Rights only:

                  (i)      Each grant shall specify in respect of each
         Free-standing Appreciation Right a Base Price, which shall be equal to
         or greater than the Market Value per Share on the Date of Grant;

                  (ii)     Successive grants may be made to the same Participant
         regardless of whether any Free-standing Appreciation Rights previously
         granted to the Participant remain unexercised; and

                  (iii)    No Free-standing Appreciation Right granted under
         this Plan may be exercised more than 10 years from the Date of Grant.

         6.       Restricted Shares. The Committee may also authorize the grant
or sale of Restricted Shares to Participants. Each such grant or sale may
utilize any or all of the authorizations, and shall be subject to all of the
requirements, contained in the following provisions:

         (a)      Each such grant or sale shall constitute an immediate transfer
of the ownership of Common Shares to the Participant in consideration of the
performance of services, entitling such

                                       8
<PAGE>

Participant to voting, dividend and other ownership rights, but subject to the
substantial risk of forfeiture and restrictions on transfer hereinafter referred
to.

         (b)      Each such grant or sale may be made without additional
consideration or in consideration of a payment by such Participant that is less
than Market Value per Share at the Date of Grant.

         (c)      Each such grant or sale shall provide that the Restricted
Shares covered by such grant or sale shall be subject to a "substantial risk of
forfeiture" within the meaning of Section 83 of the Code for a period to be
determined by the Committee at the Date of Grant and may provide for the earlier
lapse of such substantial risk of forfeiture in the event of a Change in Control
or other transaction or event; provided, however, that the Restricted Shares
covered by any Replacement Award shall be subject to a "substantial risk of
forfeiture" for the period provided in the award it replaced, as determined by
the Committee.

         (d)      Each such grant or sale shall provide that during the period
for which such substantial risk of forfeiture is to continue, the
transferability of the Restricted Shares shall be prohibited or restricted in
the manner and to the extent prescribed by the Board at the Date of Grant (which
restrictions may include, without limitation, rights of repurchase or first
refusal in the Company or provisions subjecting the Restricted Shares to a
continuing substantial risk of forfeiture in the hands of any transferee).

         (e)      Any grant of Restricted Shares may specify Management
Objectives that, if achieved, will result in termination or early termination of
the restrictions applicable to such shares. Each grant may specify in respect of
such Management Objectives a minimum acceptable level of achievement and may set
forth a formula for determining the number of Restricted Shares on which
restrictions will terminate if performance is at or above the minimum level, but
falls short of full achievement of the specified Management Objectives.

         (f)      Any grant or sale of Restricted Shares may require that any or
all dividends or other distributions paid thereon during the period of such
restrictions be automatically deferred and reinvested in additional Restricted
Shares, which may be subject to the same restrictions as the underlying award.

         (g)      Each grant or sale of Restricted Shares shall be evidenced by
an agreement executed on behalf of the Company by any officer and delivered to
and accepted by the Participant and shall contain such terms and provisions,
consistent with this Plan, as the Committee may approve. Unless otherwise
directed by the Committee, all certificates representing Restricted Shares shall
be held in custody by the Company until all restrictions thereon shall have
lapsed, together with a stock power or powers executed by the Participant in
whose name such certificates are registered, endorsed in blank and covering such
Shares.

         7.       Deferred Shares. The Committee may also authorize the granting
or sale of Deferred Shares to Participants. Each such grant or sale may utilize
any or all of the authorizations, and shall be subject to all of the
requirements contained in the following provisions:

                                       9
<PAGE>

         (a)      Each such grant or sale shall constitute the agreement by the
Company to deliver Common Shares to the Participant in the future in
consideration of the performance of services, but subject to the fulfillment of
such conditions during the Deferral Period as the Committee may specify.

         (b)      Each such grant or sale may be made without additional
consideration or in consideration of a payment by such Participant that is less
than the Market Value per Share at the Date of Grant.

         (c)      Each such grant or sale shall be subject to a Deferral Period
of not less than one year, as determined by the Committee at the Date of Grant,
and may provide for the earlier lapse or other modification of such Deferral
Period in the event of a Change in Control, or other transaction or event.

         (d)      During the Deferral Period, the Participant shall have no
right to transfer any rights under his or her award and shall have no rights of
ownership in the Deferred Shares and shall have no right to vote them, but the
Committee may, at or after the Date of Grant, authorize the payment of dividend
equivalents on such Shares on either a current or deferred or contingent basis,
either in cash or in additional Common Shares.

         (e)      Each grant or sale of Deferred Shares shall be evidenced by an
agreement executed on behalf of the Company by any officer and delivered to and
accepted by the Participant and shall contain such terms and provisions,
consistent with this Plan, as the Committee may approve.

         8.       Awards to Non-Employee Directors. The Committee may, from time
to time and upon such terms and conditions as it may determine, authorize the
granting to Non-Employee Directors of Option Rights and may also authorize the
grant or sale of Restricted Shares to Non-Employee Directors.

         (a)      Each grant of Option Rights awarded pursuant to this Section 8
shall be upon terms and conditions consistent with Section 4 of this Plan and
shall be evidenced by an agreement in such form as shall be approved by the
Committee. Each grant shall specify an Option Price per share, which shall not
be less than the Market Value per Share on the Date of Grant. Each such Option
Right granted under the Plan shall expire not more than 10 years from the Date
of Grant and shall be subject to earlier termination as hereinafter provided.
Unless otherwise determined by the Committee, such Option Rights shall be
subject to the following additional terms and conditions:

                  (i)      Each grant shall specify the number of Common Shares
         to which it pertains subject to the limitations set forth in Section 3
         of this plan.

                  (ii)     In the event of the death or disability of the holder
         of any such Option Rights, each of the then outstanding vested Option
         Rights of such holder may be exercised at any time within a stated
         period after such death or disability, as provided by the Committee in
         the grant, but in no event after the expiration date of the term of
         such Option Rights.

                                       10
<PAGE>

                  (iii)    If a Non-Employee Director subsequently becomes an
         employee of the Company or a Subsidiary while remaining a member of the
         Board, any Option Rights held under the Plan by such individual at the
         time of such commencement of employment shall not be affected thereby.

                  (iv)     Option Rights may be exercised by a Non-Employee
         Director only upon payment to the Company in full of the Option Price
         of the Common Shares to be delivered. Such payment shall be made in
         cash or in Common Shares then owned by the optionee for at least six
         months, or in a combination of cash and such Common Shares.

                  (v)      Any grant may provide for deferred payment of the
         Option Price from the proceeds of sale through a bank or broker on a
         date satisfactory to the Company of some or all of the shares to which
         such exercise relates.

         (b)      Each grant or sale of Restricted Shares pursuant to this
Section 8 shall be upon terms and conditions consistent with Section 6 of this
Plan.

         9.       Transferability.

         (a)      Except as otherwise determined by the Committee, no Option
Right, Appreciation Right or other derivative security granted under the Plan
shall be transferable by a Participant other than by will or the laws of descent
and distribution. Except as otherwise determined by the Committee, Option Rights
and Appreciation Rights shall be exercisable during the Optionee's lifetime only
by him or her or by his or her guardian or legal representative.

         (b)      The Committee may specify at the Date of Grant that part or
all of the Common Shares that are (i) to be issued or transferred by the Company
upon the exercise of Option Rights or Appreciation Rights, or upon the
termination of the Deferral Period applicable to Deferred Shares or (ii) no
longer subject to the substantial risk of forfeiture and restrictions on
transfer referred to in Section 6 of this Plan, shall be subject to further
restrictions on transfer.

         (c)      Notwithstanding the provisions of Section 9(a), the Committee
may provide that any grant of Option Rights (other than Incentive Stock
Options), Appreciation Rights, Restricted Shares, and Deferred Shares shall be
transferable by a Participant, without payment of consideration therefor by the
transferee, to any one or more members of the Participant's Immediate Family (or
to one or more trusts established solely for the benefit of one or more members
of the Participant's Immediate Family or to one or more partnerships in which
the only partners are members of the Participant's Immediate Family); provided,
however, that (i) no such transfer shall be effective unless reasonable prior
notice thereof is delivered to the Company and the Committee and such transfer
is thereafter effected in accordance with any terms and conditions that shall
have been made applicable thereto by the Company or the Committee and (ii) any
such transferee shall be subject to the same terms and conditions hereunder as
the Participant.

         10.      Adjustments. The Committee may make or provide for such
adjustments in the numbers of Common Shares covered by outstanding Option
Rights, Appreciation Rights and Deferred Shares granted hereunder, and in the
Option Price and Base Price, and in the kind of shares covered thereby, as the
Committee, in its sole discretion, exercised in good faith, may

                                       11
<PAGE>

determine is equitably required to prevent dilution or enlargement of the rights
of Participants or Optionees that otherwise would result from (a) any stock
dividend, stock split, combination of shares, recapitalization or other change
in the capital structure of the Company, or (b) any merger, consolidation,
spin-off, split-off, spin-out, split-up, reorganization, partial or complete
liquidation or other distribution of assets, issuance of rights or warrants to
purchase securities, or (c) any other corporate transaction or event having an
effect similar to any of the foregoing. Moreover, in the event of any such
transaction or event, the Committee, in its discretion, may provide in
substitution for any or all outstanding awards under this Plan such alternative
consideration as it, in good faith, may determine to be equitable in the
circumstances and may require in connection therewith the surrender of all
awards so replaced. The Committee may also make or provide for such adjustments
in the numbers of shares specified in Section 3 of this Plan as the Committee in
its sole discretion, exercised in good faith, may determine is appropriate to
reflect any transaction or event described in this Section 10; provided,
however, that any such adjustment to the number specified in Section 3(c)(i)
shall be made only if and to the extent that such adjustment would not cause any
Option intended to qualify as an Incentive Stock Option to fail so to qualify,
and the Committee may take into consideration, as to any award subject to a
proposed adjustment, the potential adverse effect thereof under applicable tax
or other laws, and may adjust such awards inconsistently as a consequence of
those effects.

         11.      Change in Control. For purposes of this Plan, except as may be
otherwise prescribed by the Committee in an agreement evidencing a grant or
award made under the Plan, a "Change in Control" shall mean if at any time any
of the following events shall have occurred:

         (a)      Voting Stock Accumulations. The accumulation by any Person of
Beneficial Ownership of twenty percent (20%) or more of the combined voting
power of the Company's Voting Stock; provided that for purposes of this Section
11(a), a Change in Control will not be deemed to have occurred if the
accumulation of twenty percent (20%) or more of the voting power of the
Company's Voting Stock results from any acquisition of Voting Stock (i) directly
from the Company that is approved by the Incumbent Board, (ii) by the Company,
(iii) by any employee benefit plan (or related trust) sponsored or maintained by
the Company or any Subsidiary, or (d) by any Person pursuant to a Business
Combination that complies with all of the provisions of clauses (i), (ii) and
(iii) of Section 11(b); or

         (b)      Business Combinations. Consummation of a Business Combination,
unless, immediately following that Business Combination, (i) all or
substantially all of the Persons who were the beneficial owners of Voting Stock
of the Company immediately prior to that Business Combination beneficially own,
directly or indirectly, more than sixty-six and two-thirds percent (662/3%) of
the then outstanding shares of common stock and the combined voting power of the
then outstanding voting securities entitled to vote generally in the election of
Directors of the entity resulting from that Business Combination (including,
without limitation, an entity that as a result of that transaction owns the
Company or all or substantially all of the Company's assets either directly or
through one or more subsidiaries) in substantially the same proportions relative
to each other as their ownership, immediately prior to that Business
Combination, of the Voting Stock of the Company, (ii) no Person (other than the
Company, that entity resulting from that Business Combination, or any employee
benefit plan (or related trust) sponsored or maintained by the Company, any
Eighty Percent (80%) Subsidiary or that entity resulting from that Business
Combination) beneficially owns, directly or indirectly, twenty percent (20%) or
more of the then

                                       12
<PAGE>

outstanding shares of common stock of the entity resulting from that Business
Combination or the combined voting power of the then outstanding voting
securities entitled to vote generally in the election of directors of that
entity, and (iii) at least a majority of the members of the Board of Directors
of the entity resulting from that Business Combination were members of the
Incumbent Board at the time of the action of the Board of Directors providing
for that Business Combination; or

         (c)      Sale of Assets. A sale or other disposition of all or
substantially all of the assets of the Company; or

         (d)      Liquidations or Dissolutions. Approval by the shareholders of
the Company of a complete liquidation or dissolution of the Company, except
pursuant to a Business Combination that complies with all of the provisions of
clauses (i), (ii) and (iii) of Section 11(b).

         For purposes of this Section 11, the following definitions will apply:

                  (i)      "Beneficial Ownership" means beneficial ownership as
         that term is used in Rule 13d-3 promulgated under the Exchange Act.

                  (ii)     "Business Combination" means a reorganization, merger
         or consolidation of the Company.

                  (iii)    "Eighty Percent (80%) Subsidiary" means an entity in
         which the Company directly or indirectly beneficially owns eighty
         percent (80%) or more of the outstanding Voting Stock.

                  (iv)     "Exchange Act" means the Securities Exchange Act of
         1934, including amendments, or successor statutes of similar intent.

                  (v)      "Incumbent Board" means a Board of Directors at least
         a majority of whom consist of individuals who either are (a) members of
         the Company's Board of Directors as of June 30, 2001, or (b) members
         who become members of the Company's Board of Directors subsequent to
         June 30, 2001, whose election, or nomination for election by the
         Company's shareholders, was approved by a vote of at least two-thirds
         (2/3) of the directors then comprising the Incumbent Board (either by a
         specific vote or by approval of the proxy statement of the Company in
         which that person is named as a nominee for director, without objection
         to that nomination), but excluding, for that purpose, any individual
         whose initial assumption of office occurs as a result of an actual or
         threatened election contest (within the meaning of Rule 14a-11 of the
         Exchange Act) with respect to the election or removal of directors or
         other actual or threatened solicitation of proxies or consents by or on
         behalf of a Person other than the Board of Directors.

                  (vi)     "Person" means any individual, entity or group
         (within the meaning of Section 13(d)(3) or 14 (d)(2) of the Exchange
         Act).

                  (vii)    "Voting Stock" means the then outstanding securities
         of an entity entitled to vote generally in the election of members of
         that entity's Board.

                                       13
<PAGE>

         12.      Fractional Shares. The Company shall not be required to issue
any fractional Common Shares pursuant to this Plan. The Committee may provide
for the elimination of fractions or for the settlement of fractions in cash.

         13.      Withholding Taxes. To the extent that the Company is required
to withhold federal, state, local or foreign taxes in connection with any
payment made or benefit realized by a Participant or other person under this
Plan, and the amounts available to the Company for such withholding are
insufficient, it shall be a condition to the receipt of such payment or the
realization of such benefit that the Participant or such other person make
arrangements satisfactory to the Company and the Committee for payment of the
balance of such taxes required to be withheld, which arrangements (in the
discretion of the Committee) may include relinquishment of a portion of such
benefit. With the consent of the Committee, a Participant or such other person
may also make similar arrangements with respect to the payment of any taxes with
respect to which withholding is not required.

         14.      Foreign Employees. In order to facilitate the making of any
grant or combination of grants under this Plan, the Committee may provide for
such special terms for awards to Participants who are foreign nationals or who
are employed by the Company or any Subsidiary outside of the United States of
America as the Committee may consider necessary or appropriate to accommodate
differences in local law, tax policy or custom, which special terms may be
contained in an Appendix attached hereto. Moreover, the Committee may approve
such supplements to or amendments, restatements or alternative versions of this
Plan as it may consider necessary or appropriate for such purposes, without
thereby affecting the terms of this Plan as in effect for any other purpose, and
the Secretary or other appropriate officer of the Company may certify any such
document as having been approved and adopted in the same manner as this Plan. No
such special terms, supplements, amendments or restatements, however, shall
include any provisions that are inconsistent with the terms of this Plan as then
in effect unless this Plan could have been amended to eliminate such
inconsistency without further approval by the shareholders of the Company.

         15.      Administration of the Plan.

         (a)      This Plan shall be administered by the Committee. A majority
of the Committee shall constitute a quorum, and the action of the members of the
Committee present at any meeting at which a quorum is present, or acts
unanimously approved in writing, shall be the acts of the Committee. Except as
the Board may otherwise determine, so long as the Company's outstanding Common
Shares are owned by Equifax Inc., all matters relating to Awards under the Plan
shall be, and hereby are, delegated to the Compensation and Human Resources
Committee of Equifax Inc., provided that all actions taken shall be subject to
the approval of the Board.

         (b)      The Committee, in its discretion, may delegate to one or more
officers of the Company, all or part of the Committee's authority and duties
with respect to Participants who are not subject to the reporting and other
provisions of Section 16 of the Exchange Act or any successor rule to the same
effect. In the event of such delegation, and as to matters encompassed by the
delegation, references in the Plan to the Committee shall be interpreted as a
reference to the Committee's delegate or delegates. The Committee may revoke or
amend the terms of a

                                       14
<PAGE>

delegation at any time but such action shall not invalidate any prior actions of
the Committee's delegate or delegates that were consistent with the terms of the
Plan.

         (c)      The interpretation and construction by the Committee of any
provision of this Plan or of any agreement, notification or document evidencing
the grant of Option Rights, Appreciation Rights, Restricted Shares, or Deferred
Shares, and any determination by the Committee pursuant to any provision of this
Plan or of any such agreement, notification or document shall be final and
conclusive. No member of the Committee shall be liable for any such action or
determination made in good faith.

         16.      Amendments, Etc.

         (a)      The Committee may at any time and from time to time amend the
Plan in whole or in part; provided, however, that any amendment which must be
approved by the shareholders of the Company in order to comply with applicable
law or the rules of the New York Stock Exchange or, if the Common Shares are not
traded on the New York Stock Exchange, the principal national securities
exchange upon which the Common Shares are traded or quoted, shall not be
effective unless and until such approval has been obtained. Presentation of this
Plan or any amendment hereof for shareholder approval shall not be construed to
limit the Company's authority to offer similar or dissimilar benefits under
other plans without shareholder approval. No amendment shall, without a
Participant's consent, adversely affect any rights of any Participant with
respect to any award outstanding at the time such amendment is made. No
amendment to this Plan shall become effective until shareholder approval is
obtained if (i) the amendment increases the aggregate number of Common Shares
that may be issued under the Plan, (ii) the amendment changes the class of
individuals eligible to become Participants, or (iii) the amendment extends the
duration of the Plan.

         (b)      The Committee shall not, without the further approval of the
shareholders of the Company, authorize the amendment of any outstanding Option
Right to reduce the Option Price. Furthermore, no Option Right shall be canceled
and replaced with awards having a lower Option Price without further approval of
the shareholders of the Company. This Section 16(b) is intended to prohibit the
repricing of "underwater" Option Rights and shall not be construed to prohibit
the adjustments provided for in Section 10 of this Plan.

         (c)      The Committee also may permit Participants to elect to defer
the issuance of Common Shares or the settlement of awards in cash under the Plan
pursuant to such rules, procedures or programs as it may establish for purposes
of this Plan. The Committee also may provide that deferred issuances and
settlements include the payment or crediting of dividend equivalents or interest
on the deferral amounts.

         (d)      The Committee may condition the grant of any award or
combination of awards authorized under this Plan on the surrender or deferral by
the Participant of his or her right to receive a cash bonus or other
compensation otherwise payable by the Company or a Subsidiary to the
Participant.

         (e)      In case of termination of employment by reason of death,
disability or normal or early retirement, or in the case of hardship or other
special circumstances, of a Participant who

                                       15
<PAGE>

holds an Option Right or Appreciation Right not immediately exercisable in full,
or any Restricted Shares as to which the substantial risk of forfeiture or the
prohibition or restriction on transfer has not lapsed, or any Deferred Shares as
to which the Deferral Period has not been completed, or who holds Common Shares
subject to any transfer restriction imposed pursuant to Section 9(b) of this
Plan, the Committee may, in its sole discretion, accelerate the time at which
such Option Right or Appreciation Right may be exercised or the time at which
such substantial risk of forfeiture or prohibition or restriction on transfer
will lapse or the time when such Deferral Period will end or the time when such
transfer restriction will terminate or may waive any other limitation or
requirement under any such award.

         (f)      This Plan shall not confer upon any Participant any right with
respect to continuance of employment or other service with the Company or any
Subsidiary, nor shall it interfere in any way with the right of the Company or
any Subsidiary to terminate such Participant's employment or other service at
any time.

         (g)      To the extent that any provision of this Plan would prevent
any Option Right that was intended to qualify as an Incentive Stock Option from
qualifying as such, that provision shall be null and void with respect to such
Option Right. Such provision, however, shall remain in effect for other Option
Rights and there shall be no further effect on any provision of this Plan.

         17.      Termination. No grant shall be made under this Plan more than
10 years after the date on which this Plan is first approved by the Board of
Directors of the Company, but all grants made on or prior to such date shall
continue in effect thereafter subject to the terms thereof and of this Plan. The
Committee may terminate the Plan at any time provided that such termination
shall not adversely affect the rights of any Participant or beneficiary under
any Award granted prior to the date of such termination.

                                       16

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