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                                                                   EXHIBIT 10.13

                                  CERTEGY INC.

                         EXECUTIVE LIFE AND SUPPLEMENTAL
                             RETIREMENT BENEFIT PLAN

         THIS EXECUTIVE LIFE AND SUPPLEMENTAL RETIREMENT BENEFIT PLAN (the
"Plan"), effective immediately following the close of the Distribution Date, is
hereby adopted and established by Certegy Inc., a Georgia corporation, (the
"Company") and will be maintained by the Company for selected executives as
provided herein.

                               ARTICLE I - PURPOSE

         The purpose of the Plan is to reward certain specified executives of
the Company for their service to the Company and to provide an incentive to the
Participants, including newly hired executives, for future service and loyalty
to the Company. This Plan provides benefits through life insurance policies
(each a "Policy") on the lives of Participants. Plan benefits and a
Participant's interest in his or her Policy shall be as set forth in the
Participant Agreements that each Participant is required to execute with the
Company before becoming a participant herein. In all cases, a Participant's
interest in this Plan and the benefits provided hereunder shall be governed by
this Plan and the terms of the Participant Agreements, which shall be considered
to be a part of this Plan.

         The Plan is established by the Company in connection with the spinoff
of the Company from Equifax Inc., and shall be considered a successor to the
Equifax Inc. Executive Life and Supplemental Retirement Benefit Plan (U.S.) (the
"Prior Plan").

                   ARTICLE II - ELIGIBILITY AND PARTICIPATION

         2.1      ELIGIBILITY AND PARTICIPATION. Participants shall be
designated by the Plan Administrator (but not by any designee thereof) or the
Company's Chief Executive Officer and shall be informed in writing of the
effective date of their participation in the Plan (the "Commencement Date") and
their level of life insurance benefits to which they may be entitled. In order
to participate, a Participant must complete certain enrollment documents and
must execute (i) a Split-Dollar Life Insurance Agreement which specifies, among
other matters, the respective interests of the Participant and the Company in
the Policy issued by the Insurance Company, and (ii) a Collateral Assignment of
certain rights in the Policy in favor of the Company (collectively, the
"Participant Agreements"). Individuals who were participants in the Prior Plan
on the close of the Distribution Date and who become employed by the Company, or
remain so employed, immediately after the close of the Distribution Date (the
"Transferred Individuals") shall automatically become Participants in this Plan
immediately after the close of the Distribution Date, which shall automatically
be their Commencement Date, and the Split-Dollar Life Insurance Agreements and
Collateral Assignments that were in effect under the Prior Plan (collectively,
the "Prior Agreements") shall be applicable under this Plan, subject to the
following provisions of this Article II.

         2.2 SUCCESSION. With respect to Participants who are Transferred
Individuals, the Company shall succeed to all rights and obligations of Equifax
Inc. under the Prior Agreements,

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including the right to recover from any cash values under each Transferred
Individual's Policy by means of enforcing the collateral assignment relating to
such Policy. All rights of Transferred Individuals under the Prior Agreements
shall be determined consistently with this succession to the rights and
obligations of Equifax Inc., and subject thereto and Section 2.3 below, the
Prior Agreements shall continue in effect hereunder (and to this extent shall be
considered Participant Agreements). Except as provided in this Section 2.2, the
Transferred Individuals shall cease to have any rights under the Prior
Agreements immediately after the close of the Distribution Date.

         2.3      SUPERSESSION. The Company and a Transferred Individual may
enter into one or more amendments to the Prior Agreements, and they may enter
into a new Split-Dollar Life Insurance Agreement, a new Collateral Assignment or
both, which shall supersede in part or in whole, as appropriate, the Prior
Agreements. Further, as a condition of continuing as a Participant, the Company
may require a Transferred Individual to execute any such document (and to
perform such acts) as may be necessary or desirable to effectuate the assumption
by the Company of all of the right, title, interests, and obligations of Equifax
Inc. in and to the Transferred Individual's Prior Agreements.

                            ARTICLE III - DEFINITIONS

         The following terms shall have the meanings ascribed to them below for
purposes of the Plan, the Participant Agreements and the Questions and Answers
for the Executive Life and Supplemental Retirement Benefit Plan, as initially in
effect following the Distribution Date, and any amendments, supplements or
successors thereto. Other capitalized terms used herein and not defined herein
shall have the meanings ascribed to them in the Participant Agreements.

         3.1      CAUSE. "Cause" shall mean termination by the Company of the
Participant's employment upon any one of the following circumstances:

                  (a)      the Participant's willful and continued failure to
         substantially perform the Participant's duties with the Company (other
         than any failure resulting from the Participant's incapacity due to
         physical or mental illness, including being Permanently Disabled),
         after a written demand for substantial performance is delivered to the
         Participant by the Chief Executive Officer of the Company (or if the
         Participant is the Chief Executive Officer, the Chairman of the
         Compensation and Human Resources Committee of the Board of Directors)
         that specifically identifies the manner in which the Chief Executive
         Officer (or the Chairman) believes that the Participant has not
         substantially performed the Participant's duties, or

                  (b)      the Participant willfully engaging in conduct that is
         materially injurious to the Company, monetarily or otherwise.

         For purposes of this Section 3.1, no act, or failure to act, on the
Participant's part will be considered "willful" unless done, or omitted to be
done, by the Participant not in good faith and without reasonable belief that
the Participant's action or omission was in the best interest of the Company.
Notwithstanding the above, the Participant will not be deemed to have been
terminated for Cause unless and until the Participant has been given a copy of a
Notice of Termination from the Chief Executive Officer of the Company (or if the
Participant is the Chief Executive Officer, the Chairman of the Compensation and
Human Resources Committee of the Board of Directors), after reasonable notice to
the Participant and an opportunity for the

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Participant, together with the Participant's counsel, to be heard before (i) the
Chief Executive Officer, or (ii) if the Participant is an elected officer of the
Company, the Board of Directors of the Company, finding that in the good faith
opinion of the Chief Executive Officer, or, in the case of an elected officer,
finding that in the good faith opinion of two-thirds of the Board of Directors,
the Participant committed the conduct set forth above in clauses (a) or (b) of
this Section 3.1, and specifying the particulars of that finding in detail.

         3.2      CHANGE IN CONTROL. "Change in Control" shall mean the
occurrence of any one of the following events during the period in which the
Plan remains in effect:

                  (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 paragraph (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 (iv) by any Person pursuant to a Business
         Combination that complies with all of the provisions of clauses (i),
         (ii) and (iii) of paragraph (b) below,

                  (b)      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 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 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 providing for that
         Business Combination;

                  (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

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         Business Combination that complies with all of the provisions of
         clauses (i), (ii) and (iii) of paragraph (b) above.

For purposes of this Section 3.2, 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 such 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 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).

                  "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.

         3.3      CLAIMANT. "Claimant" shall have the meaning given to it in
Section 4.1.

         3.4      COMMENCEMENT DATE. "Commencement Date" shall have the meaning
given to it in Section 2.1.

         3.5      COMPANY. "Company" shall mean Certegy Inc., a Georgia
corporation, and its successor or successors.

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         3.6      COMPETITIVE ACTIVITY. A Participant or former Participant
shall be deemed to engage in "Competitive Activity" if he or she:

                  (a)      directly or indirectly owns, operates, controls,
         participates in, performs services for, or otherwise carries on, a
         business substantially similar to or competitive with the business
         conducted by the Company or any Subsidiary (without limit to any
         particular region, because Participant acknowledges that such business
         may be engaged in effectively from any location in the United States or
         Canada); provided that nothing set forth in this paragraph (a) will
         prohibit a Participant from owning not in excess of 5% of any class of
         capital stock of any corporation if such stock is publicly traded and
         listed on any national or regional stock exchange or on the Nasdaq
         Stock Market;

                  (b)      directly or indirectly attempts to persuade any
         employee or customer of the Company or any Subsidiary to terminate such
         employment or business relationship in order to enter into any such
         relationship on behalf of the Participant or any third party in
         competition with the business conducted by the Company or any
         Subsidiary; or

                  (c)      directly or indirectly engages in any activity that
         is harmful to the interests of the Company or any Subsidiary, as
         determined by the Compensation and Human Resources Committee in its
         sole discretion, including the disclosure or misuse of any confidential
         information or trade secrets of the Company or a Subsidiary.

         3.7      DISTRIBUTION DATE. "Distribution Date" shall have the meaning
given to it in the Employee Benefits Agreement between Equifax Inc. and Certegy
Inc.

         3.8      GOOD REASON. "Good Reason" shall mean a termination by the
Participant of the Participant's employment within the period of time beginning
six (6) months prior to a Change in Control and ending on the third anniversary
of such Change in Control and based on:

                  (a)      The assignment to the Participant of duties
         inconsistent with the Participant's position and status with the
         Company as they existed immediately prior to the Change in Control, or
         a substantial change in the Participant's title, offices or authority,
         or in the nature of the Participant's responsibilities, as they existed
         immediately prior to the Change in Control, except in connection with
         the termination of the Participant's employment by the Company for
         Cause, by the Participant other than for Good Reason or as a result of
         death;

                  (b)      A reduction by the Company in the Participant's base
         salary as in effect on the Commencement Date or as the Participant's
         salary may be increased from time to time;

                  (c)      A failure by the Company to continue the Company's
         incentive compensation plan(s), as it may be modified from time to
         time, substantially in the form in effect immediately prior to a Change
         in Control (the "Incentive Plan"), or a failure by the Company to
         continue the Participant as a participant in the Incentive Plan on at
         least the basis of the Participant's participation immediately prior to
         a Change in Control, or to pay the Participant the amounts that the
         Participant would be entitled to receive in accordance with the terms
         of the Incentive Plan (as in effect immediately prior to the Change in
         Control);

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                  (d)      The Company requiring the Participant to be based
         more than thirty-five (35) miles from the location where the
         Participant is based prior to the Change in Control, except for
         required travel on Company business to an extent substantially
         consistent with the Participant's business travel obligations
         immediately prior to the Change in Control; or if the Participant
         consents to the relocation, the failure by the Company to pay (or
         reimburse the Participant for) all reasonable moving expenses incurred
         by the Participant or to indemnify the Participant against any loss
         realized on the sale of the Participant's principal residence in
         connection with the relocation;

                  (e)      The failure by the Company to continue in effect any
         retirement plan, compensation plan, performance share plan, stock
         option plan, life insurance plan, health and accident plan, disability
         plan or another benefit plan in which the Participant is participating
         immediately prior to a Change in Control (except that the Company may
         cancel any such plans without triggering this paragraph (e), if it
         provides the Participant with substantially similar benefits under
         another plan), the taking of any action by the Company that would
         adversely affect the Participant's participation or materially reduce
         the Participant's benefits under any such plans or deprive the
         Participant of any material fringe benefit enjoyed by the Participant
         immediately prior to a Change in Control, or the failure by the Company
         to provide the Participant with the number of paid vacation days to
         which the Participant is then entitled in accordance with the Company's
         normal vacation practices in effect immediately prior to a Change in
         Control; or

                  (f)      Any purported termination not effected pursuant to a
         Notice of Termination shall not be valid for purposes of this Plan.

         3.9      INSURANCE COMPANY. "Insurance Company" shall mean Pacific Life
Insurance Company, or such successor or successors that have issued life
insurance policies on the lives of the Participants with respect to the Plan.

         3.10     NOTICE OF TERMINATION. A "Notice of Termination" shall mean a
written notice that indicates the specific provision in the definition of Cause
relied upon as the basis for the Participant's termination of employment and
setting forth in reasonable detail the facts and circumstances claimed to
provide a basis for the termination of Participant's employment under the
provision so indicated.

         3.11     PARTICIPANT. "Participant" shall mean those specified
executives of the Company or any affiliate who have been designated by the Plan
Administrator or Company's Chief Executive Officer as eligible to participate
herein (or who are automatically eligible to participate under Section 2.1), who
have completed all enrollment documents as specified in Section 2.1 and who
remain so qualified.

         3.12     PARTICIPANT AGREEMENTS. "Participant Agreements" shall have
the meaning given to it in Section 2.1.

         3.13     PERMANENTLY DISABLED. "Permanently Disabled" shall mean the
Participant suffering a sickness, accident or injury, which in the determination
of the Plan Administrator would entitle the Participant to disability benefits
under either social security or the Company's

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long-term disability plan. The Company reserves the right to require the
Participant to first qualify for disability benefits under either social
security or the Company's long-term disability plan before determining whether
such Participant is Permanently Disabled for purposes of this Plan.

         3.14     PLAN. "Plan" shall mean this Executive Life and Supplemental
Retirement Benefit Plan, as amended and restated from time to time.

         3.15     PLAN ADMINISTRATOR. "Plan Administrator" shall mean the
Compensation and Human Resources Committee of the Board of Directors of the
Company, or its designee or designees.

         3.16     POLICY. "Policy" shall have the meaning given to it in Article
I.

         3.17     PRIOR AGREEMENTS. "Prior Agreements" shall have the meaning
given to it in Section 2.1.

         3.18     PRIOR PLAN. "Prior Plan" shall have the meaning given to it in
Article I.

         3.19     RETIREMENT. "Retirement" shall mean a Participant's
termination of employment with the Company and all affiliates after (a)
attaining age 65, (b) attaining age 55 and five "Years of Vesting Service," or
(c) attaining age 50 and the Participant's age plus his or her "Years of Benefit
Service" equals at least 75. "Years of Vesting Service" and "Years of Benefit
Service" shall have the meanings given to them in the Certegy Inc. U.S.
Retirement Income Plan.

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

         3.21     TRANSFERRED INDIVIDUAL. "Transferred Individual" shall have
the meaning given to it in Section 2.1.

                         ARTICLE IV - CLAIMS PROCEDURES

         4.1      CLAIMS AND REVIEW PROCEDURES. The claims procedures contained
in this Article IV shall apply for all purposes of this Plan and the benefits
provided herein and through the Participant Agreements. The claims procedure in
Section 4.2 below shall be followed with respect to benefits provided by the
Insurance Company under the terms of the Policies. The claims procedures in
Section 4.3 below shall be followed with respect to benefits provided directly
by the Company. The Participant and his or her heirs, successors, beneficiaries
and personal representatives (individually or collectively, a "Claimant") must
follow both procedures, if necessary.

         4.2      FILING A CLAIM FOR INSURANCE BENEFITS. A Claimant shall make a
claim for death benefits provided by the Insurance Company by submitting a
written claim and proof of claim to the Insurance Company in accordance with
procedures and guidelines established from time to time by the Insurance
Company. On written request, the Plan Administrator shall provide copies of any
claim forms or

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instructions, or advise the Claimant how to obtain such forms or instructions.
The Insurance Company shall decide whether the claim for death benefits shall be
allowed. If a claim is denied in whole or in part, the Insurance Company shall
notify the Claimant and explain the procedure for reviewing a denied claim.

         4.3      FILING A CLAIM WITH THE COMPANY.

                  (A)      INITIAL PROCEDURES. If a Claimant does not receive
the Company benefits under this Plan to which the Claimant believes he or she is
entitled, the Claimant must file a written claim for benefits in accordance with
the terms of this Article. Not later than ninety (90) days after receipt of such
a claim, the Plan Administrator shall render a written decision on the claim to
the Claimant, unless special circumstances require the extension of such ninety
(90) day period. If such extension is necessary, the Plan Administrator shall
provide the Claimant with written notification of such extension before the
expiration of the initial ninety (90) day period. Such notice shall specify the
reason or reasons for such extension and the date by which a final decision can
be expected. In no event shall such extension exceed a period of sixty (60) days
from the end of the initial ninety (90) day period.

                  (B)      CLAIM DENIAL. In the event the Plan Administrator
denies the claim of a Claimant in whole or in part, the Plan Administrator's
written notification shall specify, in a manner calculated to be understood by
the Claimant, (a) the reason for the denial, (b) a reference to the Plan or
other document or form that is the basis for the denial, (c) a description of
any additional material or information necessary for the Claimant to perfect the
claim, (d) an explanation as to why such information or material is necessary,
and (e) an explanation of the applicable claims procedure.

                  (C)      SUBSEQUENT CLAIM REVIEW. If the claim is denied in
whole or in part and should the Claimant be dissatisfied with the Plan
Administrator's disposition of the Claimant's claim, the Claimant may have a
full and fair review of the claim by the Compensation and Human Resources
Committee of the Board of Directors of the Company (the "Committee") upon
written request. Such request for additional review of the claim must be
submitted by the Claimant or the Claimant's duly authorized representative and
received by the Committee within sixty (60) days after the Claimant receives
written notification that the Claimant's claim has been denied by the Plan
Administrator. In connection with such review, the Claimant or the Claimant's
duly authorized representative shall be entitled to review pertinent documents
and submit the Claimant's views as to the issues, in writing. The Committee
shall act to deny or accept the claim within sixty (60) days after receipt of
the Claimant's written request for review. The action of the Company shall be in
the form of a written notice to the Claimant and its contents shall include all
of the requirements for action on the original claim. In no event may a Claimant
commence legal action for benefits the Claimant believes are due until the
Claimant has exhausted all of the remedies and procedures afforded the Claimant
by this Article.

                  (D)      SATISFACTION OF CLAIM. Any payment made to a Claimant
may be made pursuant to a requirement that the Claimant execute a receipt and
release therefore in such form as shall be determined by the Plan Administrator,
and any payment or other distribution to a Claimant may be delayed until the
Plan Administrator receives a properly executed receipt and release.

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                    ARTICLE V - EFFECT OF A CHANGE IN CONTROL

         In the event of a Change in Control, the trustee of the grantor trust
that has been established by the Company with respect to the Plan shall, as
provided in such grantor trust, ensure that appropriate Company contributions to
the grantor trust and payments of Policy premiums from the grantor trust are
made with respect to the Participants.

                     ARTICLE VI - AMENDMENT AND TERMINATION

         6.1      AMENDMENT. The Company reserves the right to amend this Plan
at any time by action of the Company's Board of Directors. The Company, however,
may not make any amendment that changes the definition of "Change in Control" or
"Good Reason" after a Change in Control has occurred with respect to such Change
in Control without the written consent of all Participants as of the date of
such change.

         6.2      TERMINATION. The Company reserves the right to terminate this
Plan, by action of the Company's Board of Directors, at any time it deems
appropriate. Upon termination of the Plan, no further Policy premium payments
shall be made by the Company and the rights of Participants with respect to
their Policies shall be as set forth in their respective Split-dollar Life
Insurance Agreements. Except as expressly provided in this Plan, the Company
shall not have any further financial obligations to any Participant after the
termination of this Plan. The Company shall provide written notice to all
Participants if the Plan is terminated. Notwithstanding the preceding provisions
of this Section 6.2, in the event of a Change in Control, the Company shall not
be able to reduce a Participant's rights pursuant to this Section 6.2 to an
extent that exceeds its ability to reduce the Participant's rights under Section
6.1.

                          ARTICLE VII -- ADMINISTRATION

         7.1      PLAN ADMINISTRATOR. The Plan shall be administered by the Plan
Administrator, who shall establish operating guidelines from time to time for
purposes of the administration of the Plan.

         7.2      POWERS AND DUTIES OF THE PLAN ADMINISTRATOR. Subject to the
express terms and conditions set forth herein, the Plan Administrator shall have
the power to perform any and all actions, determinations and interpretations
related to the administration of the Plan, including the power from time to
time:

                  (a)      to carry out the general administration of the Plan;

                  (b)      to cause to be prepared all forms necessary or
         appropriate for the administration of the Plan;

                  (c)      to keep appropriate books and records;

                  (d)      to determine, consistent with the provisions of this
         instrument all questions of eligibility, rights, and status of
         Participants under the Plan;

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                  (e)      to issue, amend, and rescind rules relating to the
         administration of the Plan, to the extent those rules are consistent
         with the provisions of this instrument;

                  (f)      to establish uniform rules that shall govern when a
         Participant shall be continuously employed by the Company and/or an
         affiliate despite such Participant's leave of absence;

                  (g)      to exercise all other powers and duties specifically
         conferred upon the Committee elsewhere in this instrument; and

                  (h)      to interpret, with discretionary authority, the
         provisions of this Plan and to resolve, with discretionary authority,
         all disputed questions of Plan interpretation and benefit eligibility,
         provided that such discretionary authority shall not apply following a
         Change in Control with respect to a benefit claim by (or with respect
         to) an individual who was a Participant at the time of the Change in
         Control, unless the Participant consents in writing.

         7.3      PLAN EXPENSES. Expenses of Plan administration shall be paid
by the Company, and if not paid within a reasonable time period, such expenses
shall be paid by the grantor trust that has been established by the Company with
respect to the Plan.

         7.4      ADMINISTRATION. The Committee shall be entitled to rely on all
tables, valuations, certificates, opinions, data and reports furnished by any
actuary, accountant, controller, counsel or other person employed or retained by
the Company with respect to the Plan. The Plan Administrator shall serve without
bond and without compensation for services hereunder.

         7.5      PAYMENT OF BENEFITS. With respect to the discretion of the
Plan Administrator and the standard of review applicable to benefit
determinations, benefits under this Plan will be paid only if the Plan
Administrator or the Company decides in its discretion that the Participant or
Claimant is entitled to them, provided that such discretion shall not apply
following a Change in Control with respect to a benefit claim by (or with
respect to) an individual who was a Participant at the time of the Change in
Control, unless the Participant consents in writing.

         7.6      PLAN TAXES. If the whole or any part of a Participant's Policy
(or the cash surrender value thereof) becomes subject to any estate,
inheritance, income, employment or other tax which the Company may be required
to pay or withhold for or on behalf of the Participant, the Company shall have
the full power and authority to withhold and pay such tax out of any moneys or
other property in its hand for the benefit of the Participant. To the extent
practicable, the Company shall provide the Participant notice of such
withholding. Prior to making any payment, the Company may require such releases
or other documents from any lawful taxing authority as it shall deem necessary.

         7.7      CREDITOR STATUS. Any funds invested in any trust established
with respect to the Plan shall continue for all purposes to be part of the
general assets of the Company and available to its general creditors in the
event of bankruptcy or insolvency. A Participant's benefits which may be payable
pursuant to this Plan are not subject in any manner to anticipation, sale,

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alienation, transfer, assignment, pledge, encumbrance, charge, attachment, or
garnishment by a Participant, a Participant's beneficiary, or the creditors of
either. The Plan constitutes a mere promise by the Company to make benefit
payments in the future. No interest or right to receive a benefit may be taken,
either voluntarily or involuntarily, for the satisfaction of the debts of, or
other obligations or claims against, a Participant, a Participant's beneficiary,
or any other person or entity, including claims for alimony, support, separate
maintenance and claims in bankruptcy proceedings.

                          ARTICLE VIII - MISCELLANEOUS

         8.1      EMPLOYMENT EFFECTS. Nothing contained in this Plan or any
action taken under the Plan shall be construed as a contract of employment or as
giving any Participant any right to be retained in employment with the Company
or its affiliates. The Company and its affiliates specifically reserve the right
to terminate any Participant's employment at any time with or without cause, and
with or without notice or assigning a reason, subject to the terms of any
written employment agreement between the Participant and the Company or any
affiliate.

         8.2      LIABILITY AND INDEMNIFICATION. The Company shall indemnify, to
the fullest extent permitted by law, the Plan Administrator and directors,
officers and employees of the Company and its affiliates, both past and present,
to whom are or were delegated duties, responsibilities or authority with respect
to the Plan, against any and all claims, losses, liabilities, fines, penalties
and expenses (including, but not limited to, all legal fees relating thereto),
reasonably incurred by or imposed upon such persons, arising out of any act or
omission in connection with the operation and administration of the Plan, other
than willful misconduct.

         8.3      WAIVER OF BREACH. The Company's or the Plan Administrator's
waiver of any Plan or Participant Agreement provision shall not operate or be
construed as a waiver of any subsequent breach by a Participant.

         8.4      GENDER, NUMBER AND EXAMPLES. Except where otherwise indicated
by the context, in this Plan, the singular or plural number and the masculine,
feminine or neuter gender shall be deemed to include the other. Whenever an
example is provided or the text uses the term "including" followed by a specific
item or items, or there is a passage having a similar effect, such passage of
the Plan shall be construed as if the phrase "without limitation" followed such
example or term (or otherwise applied to such passage in a manner that avoids
limitation on its breadth of application).

         8.5      SEVERABILITY. In the event any provision of the Plan shall be
held illegal or invalid for any reason, the illegality or invalidity shall not
affect the remaining parts of the Plan, and the Plan shall be construed and
enforced as if the illegal or invalid provision had not been included.

         8.6      SUCCESSORS. All obligations and rights of the Company under
the Plan shall be binding on and inure to the benefit of any successor to the
Company, whether the existence of such successor is the result of a direct or
indirect purchase, merger, acquisition, consolidation, affiliation or other
corporate restructuring.

                                       11
<PAGE>

         8.7      TAX EFFECTS. The Company makes no promise, guarantee or
warranty, express or implied, concerning the federal, state or local income or
employment tax treatment of any amount of benefits (including the cash surrender
value of any Participant's Policy) that may be paid to or accrued for the
benefit of a Participant.

         8.8      BENEFITS PROVIDED THROUGH INSURANCE. Although the Company may
assist Participants in obtaining life insurance coverage on the life of the
Participant, the Company is not responsible for paying any life insurance
benefits which are not paid by the Insurance Company, including whether such
nonpayment is caused by refusal of the Insurance Company to pay by virtue of a
legal reason for nonpayment, inability of the Insurance Company to pay, or any
other reason.

         8.9      APPLICABLE LAW. All questions pertaining to the construction,
validity and effect of the Plan shall be determined in accordance with the laws
of the United States and to the extent not preempted by such laws, by the laws
of the State of Georgia.

         8.10     EFFECT ON OTHER COMPANY BENEFITS. The benefits provided by
this Plan shall replace the Participant's benefits provided by the Company to
its employees under the basic life insurance, basic accidental death and
dismemberment insurance and its retiree life insurance plans, and after becoming
a Plan Participant, the Participant shall no longer be eligible to participate
in such plans. However, Plan Participants shall remain eligible to participate
in any other benefit plan of the Company as provided in such plans, including
supplemental life and supplemental accidental death and dismemberment insurance.

         8.11     TRANSFERRED INDIVIDUALS. Notwithstanding anything in the Plan
or the Participant Agreements to the contrary, and as provided by the Employee
Benefits Agreement between Equifax Inc. and Certegy Inc., all service and other
benefit-affecting determinations for Transferred Individuals that, as of the
close of the Distribution Date, were recognized under the Prior Plan for this
purpose for periods before the close of the Distribution Date, shall, effective
immediately after the close of the Distribution Date, receive full recognition,
credit and validity and shall be taken into account under this Plan to the same
extent as if such items occurred under the Prior Plan, except to the extent that
duplication of benefits would result. Specifically, even though Transferred
Individuals obtain a new Commencement Date as of the close of the Distribution
Date by becoming Participants in this Plan, (a) the Policy issued as a result of
their participation in the Prior Plan shall continue in effect under this Plan
and (b) their "Years of Benefit Service" and "Years of Vesting Service" (as
defined in Section 3.19) shall include prior service earned as an employee of
Equifax Inc.

                            [SIGNATURE PAGE FOLLOWS]

                                       12
<PAGE>

         IN WITNESS WHEREOF, the Company has executed this Plan effective as of
immediately after the close of the Distribution Date.

                              CERTEGY INC.

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

                                       13<PAGE>
                                                                   EXHIBIT 10.14

                                  CERTEGY INC.

                         EXECUTIVE LIFE AND SUPPLEMENTAL
                             RETIREMENT BENEFIT PLAN

                      SPLIT DOLLAR LIFE INSURANCE AGREEMENT
                                (NEW PARTICIPANT)

         THIS SPLIT DOLLAR LIFE INSURANCE AGREEMENT (the "Agreement") is entered
into by and between Certegy Inc. (the "Company"), and _____________________ a
key employee and executive of the Company (the "Participant") effective as of
the _____ day of _____________, 2001 (the "Commencement Date").

                                   WITNESSETH:

         WHEREAS, the Participant is a participant in the Executive Life and
Supplemental Retirement Benefit Plan of the Company (the "Plan");

         WHEREAS, the Company is willing to make contributions to the life
insurance policy that is owned by the Participant as an additional form of
compensation to the Participant as its employee; and

         WHEREAS, the Participant desires to undertake those steps that are
necessary to institute his participation in the Plan, including executing the
Participant Agreements.

         NOW, THEREFORE, in consideration of these factors and the mutual
covenants contained in this Agreement, the Company and the Participant mutually
agree as follows:

                            ARTICLE I -- DEFINITIONS

         The following terms shall have the meanings ascribed to them below for
purposes of this Agreement. Other capitalized terms used herein and not defined
herein shall have the meanings ascribed to them in the Plan:

         "COLLATERAL ASSIGNMENT" means the assignment in a form acceptable to
the Insurer and the Company, by and from the Participant to the Company, as the
same may be modified, amended, supplemented, restated or extended from time to
time, pursuant to which the Participant assigns the Policy and the Policy
Proceeds to the Company to secure the Participant's obligation to repay the
Secured Amount to the Company.

         "COMPANY PREMIUMS" means at any point in time the aggregate sum of all
premium payments (whether made pursuant to the terms of the Policy or called for
and due under this Agreement) then or theretofore actually paid by the Company
to the Insurer and credited to the Policy.

                                       1
<PAGE>

         "INSURER" means the insurance company listed on Exhibit A, and its
successors and assigns.

         "POLICY" means the policy or policies of life insurance (more
particularly described in Exhibit A) issued by the Insurer on the life of the
Participant and legally owned by the Participant, together with any and all
supplements, endorsements and amendments thereto.

         "POLICY DEATH BENEFIT" means at any point in time the total proceeds of
the Policy payable when it becomes a claim at death.

         "POLICY PROCEEDS" means any and all proceeds of any type of, from or
under the Policy, including (i) the cash surrender value of the Policy, (ii) any
and all proceeds of the Policy payable when it becomes a claim at death,
maturity or otherwise, and (iii) distributions or shares of surplus, dividends,
deposits or additions to the Policy, now or hereafter made thereunder or
apportioned thereto.

         "ROLLOUT DATE" has the meaning given to it in Section 7.01.

         "SECURED AMOUNT" has the meaning given to it in Section 3.03.

                       ARTICLE II - APPLICATION FOR POLICY

         The Participant has applied to the Insurer for the Policy and the
Participant with the assistance of the Company will take all reasonable and
necessary steps to cause the Policy to be issued. The Policy shall provide the
Participant a death benefit equal to the amount determined in the sole
discretion of the Plan Administrator or the Company's Chief Executive Officer.
Such death benefit shall be listed on Exhibit A as the "Participant Death
Benefit." The Policy shall at all times be subject to the terms of this
Agreement and the Plan.

                         ARTICLE III -- POLICY INTERESTS

         3.01     OWNERSHIP OF POLICY. The Policy shall be owned by and legal
title shall be held by the Participant. Unless otherwise provided by this
Agreement, the Company shall have no legal, equitable or beneficial right, title
or interest in and to the Policy, except to the extent of the lien on and
security interest in the Policy and the Policy Proceeds created under the
Collateral Assignment.

         3.02     COLLATERAL ASSIGNMENT. The Participant shall execute together
with this Agreement the Collateral Assignment documenting the Company's lien on
and security interest in the Policy and the Policy Proceeds.

         3.03     SECURED AMOUNT. Subject to the next two sentences, the amount
that is secured (the "Secured Amount") by the Collateral Assignment and
repayable to the Company upon the occurrence of the Rollout Date shall (a) if
the Rollout Date is triggered by the death of the Participant, be equal to the
excess of the Policy Death Benefit over the Participant Death Benefit (as listed
in Exhibit A) or (b) if the Rollout Date is triggered by any other event, be
equal to the

                                       2
<PAGE>

lesser of the Policy's cash surrender value or the Company Premiums.
Notwithstanding the preceding sentence, if the Participant's employment with the
Company is terminated for Cause or if the Participant's employment with the
Company is terminated (voluntarily or involuntarily) when the Participant is not
vested in his or her Policy pursuant to Section 3.04, then the Secured Amount
shall be equal to the cash surrender value of the Policy. Further, in all cases,
the then current outstanding dollar amount, if any, that the Company has
borrowed from the Policy pursuant to terms of this Agreement and the Policy
shall reduce the Secured Amount.

         3.04     VESTING. The Participant shall not become vested in his or her
Policy until the occurrence of the third anniversary of the Participant's
Commencement Date. The Participant shall only receive credit towards becoming
vested in his or her Policy, while the Participant is actively employed by the
Company; provided, however the Participant shall continue to receive vesting
credit towards his or her Policy after termination of employment, if (a) the
Participant's employment with the Company is terminated as a result of
Retirement, job elimination, Good Reason or becoming Permanently Disabled and
(b) the Participant is not engaged in a Competitive Activity.

                        ARTICLE IV - PAYMENT OF PREMIUMS

         From and after the Commencement Date, the Company shall pay all premium
payments as they become due under the terms of the Policy. The Company's
obligation to pay such premiums shall cease at the end of the premium payment
schedule, or if earlier, upon the occurrence of any one of the following events:

         (a)      the Participant's termination of employment with the Company
for any reason, other than a termination of employment on account of Retirement,
Good Reason or becoming Permanently Disabled;

         (b)      the Participant engaging in a Competitive Activity during the
one-year period following his or her termination of employment;

         (c)      the occurrence of the Rollout Date; or

         (d)      the termination of the Plan.

                           ARTICLE V - COMPANY RIGHTS

         In addition to any other rights provided by this Agreement, the Company
shall have the following rights with respect to the Policy:

         (a)      The Company shall have a lien on and security interest in the
Policy and the Policy Proceeds pursuant to the Collateral Assignment;

         (b)      The Company shall have the right, without the Participant's
consent, to assign or otherwise transfer any or all of its right, title and
interest in and to this Agreement, the Collateral Assignment, the Policy and the
Policy Proceeds, absolutely or as collateral security to any person

                                       3
<PAGE>

or entity (including the Insurer or an affiliate of the Company) as determined
in the discretion of the Plan Administrator;

         (c)      The Company shall have the right to repayment of the Secured
Amount upon the Rollout Date;

         (d)      The Company shall have the right to borrow or withdraw from
the cash surrender value of the Policy according to the Policy provisions an
aggregate amount not to exceed (i) the Policy's cash surrender value for periods
before the Participant is vested in the Policy pursuant to Section 3.04 and (ii)
the Company Premiums for all periods after the Participant becomes vested in the
Policy;

         (e)      The Company shall have the right to exercise all investment
direction rights under the Policy while the Participant is not vested in his or
her Policy pursuant to Section 3.04, and at any time thereafter upon ten (10)
days advance written notice to the Participant, but only if the Company
determines that it is necessary to assume authority over the investment
direction in order to protect its interest in the repayment of the Secured
Amount; and

         (f)      The Company shall have the right to terminate or otherwise
restrict the Participant's rights to borrow or withdraw funds from the Policy
under Article VI(b), if the Company determines in good faith that such action is
desirable to avoid (or lessen) the taxation of earnings in the Policy to the
Participant during the period prior to the Rollout Date. In the event the
Company terminates or restricts such rights of the Participant, the Company may
take appropriate steps to unwind any existing loans taken by the Participant.

                         ARTICLE VI - PARTICIPANT RIGHTS

         In addition to any other rights provided by this Agreement and the
Policy, the Participant shall have the following rights with respect to the
Policy:

         (a)      The Participant shall have the right to all investment
direction authority (as modified by clause (e) of Article V) under the Policy
after the Participant becomes vested therein pursuant to Section 3.04;

         (b)      Unless terminated or restricted by the Company as provided in
Article V, for periods after the Participant becomes vested in the Policy
pursuant to Section 3.04, the Participant shall have the right to borrow or
withdraw from the cash surrender value of the Policy an aggregate amount not
greater than one half of the cash surrender value in excess of the Company
Premiums determined at the time of the loan or withdrawal. For periods before
the Participant is vested in the Policy pursuant to Section 3.04, the
Participant shall not have the right to borrow against or withdraw from the
Policy;

         (c)      The Participant shall have the right to designate and change
the beneficiary (or beneficiaries) of the Policy;

                                       4
<PAGE>

         (d)      The Participant shall have the right to select optional
methods of repayment with regard to the Secured Amount as provided by Section
7.03; and

         (e)      The Participant shall have the right to transfer to another
person or entity all or a portion of the Participant's right, title and interest
in and to the Policy, subject in all cases to the Plan and this Agreement, the
Collateral Assignment and prior written notice to the Company.

           ARTICLE VII - ROLLOUT DATE AND REPAYMENT OF SECURED AMOUNT

         7.01     ROLLOUT DATE. This Agreement shall remain in effect from and
after the Commencement Date until it terminates upon the earliest of the
following events to occur (each a "Rollout Date"):

                  (a)      The later of (i) the fifteenth anniversary of the
Participant's Commencement Date, or (ii) Participant's attainment of age sixty
(60);

                  (b)      The Participant's termination of employment from the
Company other than on account of (i) Retirement, (ii) becoming Permanently
Disabled, (iii) Good Reason or (iv) a job elimination;

                  (c)      The termination of the Participant's employment by
the Company for Cause;

                  (d)      The Participant engaging in a Competitive Activity
during the one-year period following his or her termination of employment;

                  (e)      The termination of the Plan;

                  (f)      Prior to a Change in Control, the date the Company,
in its sole discretion, voluntarily elects to terminate this Agreement; or

                  (g)      The death of the Participant.

         7.02     REPAYMENT OF SECURED AMOUNT UPON DEATH OF PARTICIPANT. Upon
termination of this Agreement pursuant to Section 7.01(g) (i.e., the death of
the Participant), the Participant agrees that the Insurer, upon written demand
therefor by the Company following the death of the Participant, will pay to the
Company from the Policy Proceeds an amount equal to the Secured Amount. The
balance of the Policy Proceeds shall be paid to the beneficiary or beneficiaries
designated to receive such balance in accordance with the terms of the Policy.

         7.03     REPAYMENT OF SECURED AMOUNT IN CIRCUMSTANCES OTHER THAN DEATH.
Upon termination of this Agreement pursuant to Section 7.01(a), 7.01(b),
7.01(c), 7.01(d), 7.01(e) or 7.01(f), the Participant shall, and hereby agrees
to, repay to the Company the Secured Amount using one of the methods in the
Participant's discretion as follows:

                  (a)      by directing the Insurer to withdraw and pay the
Secured Amount to the Company from the Policy Proceeds;

                                       5
<PAGE>

                  (b)      by taking a loan on the Policy equal to the Secured
Amount and paying such loan proceeds to the Company; or

                  (c)      by making a payment to the Company from the
Participant's separate funds equal to the Secured Amount;

         provided, that if the Participant fails to make an election of one of
the above methods and to repay to the Company the Secured Amount within thirty
(30) days following the termination of this Agreement, the Company will elect
the repayment method (and obtain the Secured Amount from the Policy Proceeds)
from among the methods described in clause (a) or (b) of this sentence.
Notwithstanding anything to the contrary, if this Agreement and the Collateral
Assignment shall have been assigned as provided in Article V(b), and provided
the Participant has been given notice thereof, the payments or transfer to be
made in satisfaction of the Participant's repayment obligations hereunder shall
be distributed or made in accordance with the instruments evidencing or
governing the terms of such assignment for application to the obligations and
indebtedness secured thereby in order of priority established by such
instruments.

         7.04     AFTER REPAYMENT OF SECURED AMOUNT. After this Agreement
terminates and the Secured Amount is repaid to the Company pursuant to this
Article, the Company shall release the Collateral Assignment, thereby restoring
in the Participant all rights with respect to the Policy.

                          ARTICLE VIII - MISCELLANEOUS

         8.01     AGREEMENT SUBJECT TO THE PLAN. The terms and provisions of
this Agreement shall at all times be subject to the terms and provisions of the
Plan. If any terms or provisions of this Agreement shall conflict with the terms
or provisions of the Plan, the terms and provisions of the Plan shall control.

         8.02     BINDING EFFECT. This Agreement and the rights and obligations
herein shall inure to the benefit of and bind the heirs, legal representatives,
successors and assigns of the parties hereto, including successors of the
Company resulting from a direct or indirect purchase, merger, acquisition,
consolidation, affiliation or other corporate restructuring.

         8.03     AMENDMENT OF AGREEMENT. The terms and provisions of this
Agreement may be amended by the Company in its sole discretion at any time;
provided, however, (a) any amendment to this Agreement that imposes new
responsibilities on the Participant must be by mutual agreement of the
Participant and the Company, and shall be in writing and signed by the
Participant and the Company and (b) the Company's power to amend this Agreement
shall be subject to the Plan restrictions on the Company's power to amend the
Plan.

         8.04     GOVERNING LAW. This Agreement shall be subject to and governed
by the laws of the State of Georgia, without regard to choice of law or conflict
of law principles, except to the extent such laws shall be superceded by the
laws of the United States.

         8.05     GENDER, NUMBER AND EXAMPLES. Except where otherwise indicated
by the context, in this Agreement, the singular or plural number and the
masculine, feminine or neuter

                                       6
<PAGE>

gender shall be deemed to include the other. Whenever an example is provided or
the text uses the term "including" followed by a specific item or items, or
there is a passage having a similar effect, such passage of this Agreement shall
be construed as if the phrase "without limitation" followed such example or term
(or otherwise applied to such passage in a manner that avoids limitation on its
breadth of application).

                            [SIGNATURE PAGE FOLLOWS]

                                       7
<PAGE>

         IN WITNESS WHEREOF, this Agreement is executed effective as of the
Commencement Date.

                                     CERTEGY INC.

                                     By:
                                        ---------------------------------------
                                            Name:
                                            Title:

                                     ------------------------------------------
                                     Participant

                                       8
<PAGE>

                      SPLIT DOLLAR LIFE INSURANCE AGREEMENT

                                    EXHIBIT A

LIFE INSURANCE BENEFIT

Insurer:
         --------------------------------------

Policy Number:
              ---------------------------------

Effective Date of Policy:
                         ----------------------

Participant Death Benefit: $
                            -------------------

                                       9

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