Document:

Exhibit 4.2

 

EQUIFAX INC.

ISSUER

 

AND

 

THE BANK OF NEW YORK MELLON TRUST
COMPANY, N.A.

TRUSTEE

 

 

 

FOURTH SUPPLEMENTAL INDENTURE

 

DATED AS OF DECEMBER 17, 2012

 

 

  

FOURTH SUPPLEMENT TO INDENTURE,

DATED AS OF JUNE 29, 1998, BETWEEN

EQUIFAX INC. AND

THE BANK OF NEW YORK MELLON TRUST
COMPANY, N.A.

(formerly known as The Bank of New York
Trust Company, N.A. as successor to Bank One Trust Company, N.A., which was successor in interest to The First National Bank of
Chicago)

 

    	 

    	 

    

 

FOURTH SUPPLEMENTAL INDENTURE

 

FOURTH
SUPPLEMENTAL INDENTURE, dated as of December 17, 2012, between EQUIFAX INC., a Georgia corporation (the “Issuer”)
and THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A. (FORMERLY KNOWN AS THE BANK OF NEW YORK TRUST COMPANY, N.A. AS SUCCESSOR TO
BANK ONE TRUST COMPANY, N.A., WHICH WAS SUCCESSOR IN INTEREST TO THE FIRST NATIONAL BANK OF CHICAGO), a corporation organized under
the laws of the United States of America, as trustee (the “Trustee”) under the Original Indenture (as hereinafter
defined).

 

RECITALS

 

WHEREAS, the Issuer
executed and delivered its Indenture (the “Original Indenture”), dated as of June 29, 1998, to the Trustee
to issue from time to time for its lawful purposes debt securities evidencing its unsecured indebtedness.

 

WHEREAS, the Original
Indenture provides that by means of a supplemental indenture, the Issuer may create one or more series of its debt securities and
establish the form and terms and conditions thereof.

 

WHEREAS, the Issuer
desires to issue a series of senior debt securities under the Original Indenture, and has duly authorized the creation and issuance
of such series of debt securities and the execution and delivery of this Fourth Supplemental Indenture to modify the Original Indenture
and provide certain additional provisions as hereinafter described;

 

WHEREAS, the Issuer
and the Trustee deem it advisable to enter into this Fourth Supplemental Indenture for the purposes of establishing the terms of
such series of debt securities and providing for the rights, obligations and duties of the Trustee with respect to such debt securities;

 

WHEREAS, all conditions
and requirements of the Original Indenture necessary to make this Fourth Supplemental Indenture a valid, binding and legal instrument
in accordance with its terms have been performed and fulfilled by the parties hereto and the execution and delivery thereof have
been in all respects duly authorized by the parties hereto.

 

WHEREAS, the Board
of Directors of the Issuer, acting through authority delegated to certain of its executive officers, has approved the creation
of the Notes and the form, terms and conditions thereof;

 

WHEREAS, concurrently
with the execution hereof, the Issuer has delivered an Officers’ Certificate and has caused its counsel to deliver to the
Trustee an Opinion of Counsel; and

 

WHEREAS, the consent
of Holders to the execution and delivery of this Fourth Supplemental Indenture is not required, and all other actions required
to be taken under the Original Indenture with respect to this Fourth Supplemental Indenture have been taken.

 

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NOW, THEREFORE IT IS AGREED:

 

ARTICLE ONE

 

CREATION OF THE NOTES

 

Section 1.1. 
Designation of Series.  Pursuant to the terms hereof and Section 3.01 of the Original Indenture, the Issuer
hereby creates a series of its debt securities which shall be known as the “3.30% Senior Notes due 2022” (the “Notes”),
which Notes shall be deemed “Securities” for all purposes under the Original Indenture.

 

Section 1.2. 
Form and Denomination of Notes.  The definitive form of the Notes shall be substantially in the form set forth in Exhibit A attached
hereto, which is incorporated herein and made part hereof.  The Notes shall bear interest, be payable and have such other
terms as are stated in the form of Note and in the Original Indenture, as supplemented by this Fourth Supplemental Indenture. 
The Notes shall be issued in minimum denominations of $2,000 and integral multiples of $1,000 in excess thereof.

 

Section 1.3. 
Amount of Series.  Subject to Section 1.10 hereof, the aggregate principal amount of the Notes that may be
issued under this Fourth Supplemental Indenture is initially limited to $500,000,000.  The Notes may, upon the execution and
delivery of this Fourth Supplemental Indenture or from time to time thereafter, be executed by the Issuer and delivered to the
Trustee for authentication, and the Trustee shall thereupon authenticate and deliver said Notes upon the delivery of a Company
Order.

 

Section 1.4. 
Rank.  The Notes are unsecured and shall rank equally among themselves and with all of the Issuer’s other unsecured
and unsubordinated indebtedness.

 

Section 1.5. 
No Sinking Fund.  No sinking fund shall be provided with respect to the Notes.

 

Section 1.6. 
Optional Redemption. 

 

(a)               
Except as otherwise may be specified in this Fourth Supplemental Indenture and in the Notes, Article Thirteen of the
Original Indenture shall be applicable to the Notes. 

 

(b)              
Prior to September 15, 2022, the Issuer shall have the right to redeem the Notes, in whole or in part, at any time or from
time to time, at a redemption price (the “Optional Redemption Price”) equal to the greater of:

 

(i)                
100% of the principal amount plus accrued and unpaid interest to, but excluding, the Redemption Date; and

 

(ii)              
the sum of the present values of the Remaining Scheduled Payments of principal and interest (exclusive of interest accrued
to the Redemption Date) discounted to the Redemption Date on a semi-annual basis (assuming a 360-day year consisting of twelve
30-day months) at the Treasury Rate plus 30 basis points, plus accrued and unpaid interest on the principal amount
being redeemed to but excluding the Redemption Date.

 

(c)               
On or after September 15, 2022, the Issuer shall have the right to redeem the Notes, in whole or in part, at any time or
from time to time, at the Issuer’s option, for an amount in cash equal to 100% of the principal amount plus any accrued
and unpaid interest to but excluding the Redemption Date.

 

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(d)              
The Issuer will mail notice of such redemption to the registered holders of the Notes to be redeemed not less than 30 nor
more than 60 days prior to the Redemption Date. If Notes are only partially redeemed pursuant to this Section 1.6,
the Notes to be redeemed will be selected by the Trustee in such manner as in its sole discretion it shall deem appropriate and
fair; provided, that if at the time of redemption the Notes to be redeemed are registered as a Global Note, the Depository
shall determine, in accordance with its procedures, the principal amount of the Notes to be redeemed held by each of its participants
that holds a position in such Notes. The Optional Redemption Price shall be paid prior to 12:00 noon, New York time, on the Redemption
Date or at such later time on such date as is then permitted by the rules of the Depositary for the Notes (if then registered
as a Global Note); provided, that the Issuer shall deposit with the Trustee an amount sufficient to pay the Optional
Redemption Price by 10:00 a.m., New York time, on the date such Optional Redemption Price is to be paid.

 

Section 1.7. 
Special Mandatory Redemption. 

 

(a)               
Except as otherwise may be specified in this Fourth Supplemental Indenture and in the Notes, Article Thirteen of the
Original Indenture shall be applicable to the Notes. 

 

(b)              
The Notes shall be redeemed, in whole and not in part, in the event that either (each, a “Special Mandatory Redemption
Triggering Event”):

 

		(i)	the Issuer does not consummate the Acquisition on or prior to June 30, 2013; or

 

		(ii)	the Purchase Agreement is terminated any time prior to June 30, 2013.

 

(c)               
Upon the occurrence of a Special Mandatory Redemption Triggering Event, the Issuer shall pay, prior to 12:00 noon, New York
time, on the Special Mandatory Redemption Date or at such later time on such date as is then permitted by the rules of the Depositary
for the Notes (if then registered as a Global Note), the sum of 101% of the aggregate principal amount of the Notes to be redeemed
(the “Special Mandatory Redemption Price”), plus, in addition to such Special Mandatory Redemption Price,
any accrued and unpaid interest to but excluding such Special Mandatory Redemption Date. Notwithstanding the foregoing, installments
of interest whose maturity is on or prior to the Special Mandatory Redemption Date shall be payable prior to 12:00 noon, New York
time on the applicable Interest Payment Date to the holders of such Notes registered as such at the close of business on the applicable
regular record date pursuant to the Notes and the Original Indenture (as supplemented by this Fourth Supplemental Indenture).

 

(d)              
On or before 10:00 a.m., New York Time, on the Special Mandatory Redemption Date for the Notes, the Issuer shall deposit
with the Trustee or a Paying Agent, funds sufficient to pay the Special Mandatory Redemption Price of the Notes to be redeemed
on the Special Mandatory Redemption Date, and (except if the date fixed for redemption shall be an Interest Payment Date) accrued
interest. If the Issuer complies with the preceding sentence, on and after the Special Mandatory Redemption Date for the Notes,
interest shall cease to accrue on the Notes and all rights under the Notes (other than with regard to the right to receive the
Special Mandatory Redemption Price plus accrued and unpaid interest) shall terminate.

 

(e)               
The Issuer, or the Trustee on its behalf, will cause the notice of the Special Mandatory Redemption to be mailed promptly
after the occurrence of the Special Mandatory Redemption Triggering Event, to each holder at its registered address (a “Special
Mandatory Redemption Notice”). The Special Mandatory Redemption Notice shall state the information set forth in, and
shall be subject to the terms and conditions of, Section 13.04 of the Original Indenture. Notice of redemption having been given
as provided in the Indenture, the Notes called for redemption shall, on the Special Mandatory Redemption Date, become due and payable
at the Special Mandatory Redemption Price, plus accrued and unpaid interest to but excluding the Special Mandatory Redemption
Date.

 

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Section 1.8. Definitions. 
For all purposes of this Fourth Supplemental Indenture:

 

(a)               
Capitalized terms used herein without definition shall have the meanings set forth in the Original Indenture;

 

(b)              
a term defined anywhere in this Fourth Supplemental Indenture (including the exhibits hereto) has the same meaning throughout;

 

		(c)	the singular includes the plural and vice versa;

 

		(d)	headings are for convenience of reference only and do not affect interpretation;

 

		(e)	the following terms have the meanings given to them in this Section 1.8(e):

 

“Acquisition”
means the transaction contemplated by the Purchase Agreement.

 

“Business Day”
means, unless otherwise specified, any calendar day that is not a Saturday, Sunday or legal holiday in New York, New York and on
which commercial banks are open for business in New York, New York.

 

“Comparable
Treasury Issue” means the United States Treasury security selected by an Independent Investment Banker as having a maturity
comparable to the remaining term (“Remaining Life”) of the Notes to be redeemed that would be utilized, at the
time of selection and in accordance with customary financial practice, in pricing new issues of corporate debt securities of comparable
maturity to the remaining term of the Notes.

 

“Comparable
Treasury Price” means, with respect to any Redemption Date, (A) the average of the Reference Treasury Dealer Quotations
for such Redemption Date, after excluding the highest and lowest such Reference Treasury Dealer Quotations, or (B) if the
Independent Investment Banker obtains fewer than four such Reference Treasury Dealer Quotations, the average of all such Quotations
or, if only one such Quotation is obtained, such Quotation.

 

“Depository”
means a clearing agency registered under Section 17A of the Exchange Act that is designated to act as Depository for
the Notes.

 

“Independent
Investment Banker” means an independent investment banking institution of national standing appointed by the Issuer,
which may be one of the Reference Treasury Dealers.

 

“Purchase Agreement”
means that certain Asset Purchase Agreement dated as of December 1, 2012, by and among Equifax Information Services LLC, a wholly-owned
subsidiary of the Issuer, and CSC Credit Services, Inc., pursuant to which the Acquisition shall be consummated.

 

“Redemption
Date” means, with respect to any optional redemption of Notes pursuant to Section 1.6 hereof, the date fixed for
such redemption pursuant to the Original Indenture and such Notes.

 

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“Reference Treasury
Dealer” means J.P. Morgan Securities LLC, a Primary Treasury Dealer (defined below) selected by Wells Fargo Securities,
LLC and any other two Primary Treasury Dealers selected by the Issuer and their respective successors, provided that if
any of the foregoing or any such successor shall cease to be a primary U.S. government securities dealer in New York City (a “Primary
Treasury Dealer”), the Issuer will substitute therefor another Primary Treasury Dealer.

 

“Reference Treasury
Dealer Quotations” means, with respect to each Reference Treasury Dealer and any Redemption Date, the average, as determined
by the Independent Investment Banker, of the bid and asked prices for the Comparable Treasury Issue (expressed in each case as
a percentage of its principal amount) quoted in writing to the Independent Investment Banker by the Reference Treasury Dealer at
5:00 p.m. on the third Business Day preceding such Redemption Date.

 

“Remaining Scheduled
Payments” means, with respect to the Notes to be redeemed, the remaining scheduled payments of the principal thereof
and interest thereon that would be due at the related Redemption Date but before such redemption; provided, however, that if such
Redemption Date is not an interest payment date, with respect to the Notes, the amount of the next succeeding scheduled interest
payment thereon will be deemed to be reduced by the amount of interest accrued thereon to such Redemption Date.

 

“Special Mandatory
Redemption” means any redemption effected pursuant to Section 1.7 hereof.

 

“Special Mandatory
Redemption Date” means the 15th calendar day following the earlier to occur of (1) June 30, 2013 and (2) the
date that the Purchase Agreement is terminated.

 

“Treasury Rate”
means, with respect to any Redemption Date, (i) the yield, under the heading which represents the average for the immediately
preceding week, appearing in the most recently published statistical release designated “H.15(519)” or any successor
publication which is published weekly by the Board of Governors of the Federal Reserve System and which establishes yields on actively
traded United States Treasury securities adjusted to constant maturity under the caption “Treasury Constant Maturities,”
for the maturity corresponding to the Comparable Treasury Issue (if no maturity is within three months before or after the Remaining
Life, yields for the two published maturities most closely corresponding to the Comparable Treasury Issue shall be determined and
the Treasury Rate shall be interpolated or extrapolated from such yields on a straight line basis, rounding to the nearest month),
(ii) if the period from the Redemption Date to the Maturity Date of the Notes to be redeemed is less than one year, the weekly
average yield on actually traded United States Treasury securities adjusted to a constant maturity of one year shall be used, or
(iii) if such release (or any successor release) is not published during the week preceding the calculation date or does not
contain such yields, the rate per annum equal to the semiannual equivalent yield to maturity of the Comparable Treasury Issue,
calculated using a price for the Comparable Treasury Issue (expressed as a percentage of its principal amount) equal to the Comparable
Treasury Price for such Redemption Date. The Treasury Rate shall be calculated by the Issuer on the third Business Day preceding
such Redemption Date. The Trustee shall not be responsible for any such calculation.

 

Section 1.9. 
Notes Not Convertible or Exchangeable.  The Notes shall not be convertible or exchangeable for other securities or property.

 

Section 1.10. 
Issuance of Notes; Selection of Depository. The Notes shall be issued as Registered Securities in permanent global form, without
coupons.  The initial Depositary for the Notes shall be The Depository Trust Company.

 

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Section 1.11.  Issuance
of Additional Notes.  From time to time subsequent to the date hereof, without the consent of the Holders
of the Notes, the Issuer may create and issue additional Notes (the “Additional Notes”) under the terms of the
Original Indenture and this Fourth Supplemental Indenture (and without need to execute any additional supplemental indenture). 
The Additional Notes shall be issued as part of the existing series of Notes issued pursuant to this Fourth Supplemental Indenture
and shall have terms identical in all material respects (except for the initial interest accrual date, the initial Interest Payment
Date, and the issue price) to any Outstanding Notes and shall be treated together with any Outstanding Notes as a single issue
of Notes under the Original Indenture and this Fourth Supplemental Indenture.  Any Additional Notes issued hereunder shall
rank equally and ratably with the Notes originally issued pursuant to this Fourth Supplemental Indenture, shall have the same CUSIP
number and shall trade interchangeably with such Notes and shall otherwise constitute Notes for all other purposes hereof. 
Any Additional Notes may be issued pursuant to authorization provided by one or more Board Resolutions.  No Additional Notes
shall be issued at any time that there is an Event of Default under the Original Indenture with respect to the Notes that has occurred
and is continuing.

 

Section 1.12. 
Issuance of Additional Debt Securities.  In addition to notes, the Issuer may, from time to time, issue other series of
debt securities under the Original Indenture consisting of debentures, notes or other unsecured, unsubordinated evidences of indebtedness,
but such other series will be separate from and independent of the notes.  The Original Indenture does not limit the amount
of debt securities or any other debt (whether secured or unsecured) which the Issuer may incur.

 

ARTICLE TWO

 

APPOINTMENT OF THE TRUSTEE FOR THE NOTES

 

Section 2.1. 
Appointment of Trustee; Acceptance by Trustee.  Pursuant and subject to the Original Indenture, the Issuer hereby appoints
The Bank of New York Mellon Trust Company, N.A. (formerly known as The Bank of New York Trust Company, N.A. as successor to Bank
One Trust Company, N.A., which was successor in interest to The First National Bank of Chicago), to act on behalf of the Holders
of the Notes.  By execution, acknowledgment and delivery of this Fourth Supplemental Indenture, the Trustee hereby accepts
appointment as trustee with respect to the Notes, and agrees to perform the duties and obligations of the Trustee with respect
to the Notes upon the terms and conditions set forth in the Original Indenture and in this Fourth Supplemental Indenture.

 

Section 2.2. 
Rights, Powers, Duties and Obligations of the Trustee.  Any rights, powers, duties and obligations by any provisions of
the Original Indenture conferred or imposed upon the Trustee shall, insofar as permitted by law, be conferred or imposed upon and
exercised or performed by the Trustee with respect to the Notes.

 

Section 2.3. 
Rights in Indenture Applicable to Trustee.  The Bank of New York Mellon Trust Company, N.A., in its capacity as Trustee,
shall be afforded all of the rights, powers, immunities and indemnities of the Trustee as set forth in the Original Indenture as
if such rights, powers, immunities and indemnities were specifically set forth herein.

 

ARTICLE THREE

 

CHANGE OF CONTROL OFFER

 

Section 3.1. 
Change of Control Offer.

 

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(a)               
If a Change of Control Triggering Event occurs, unless the Issuer has exercised its option to redeem the Notes, the Issuer
shall be required to make an offer (the “Change of Control Offer”) to each Holder of the Notes to repurchase
all or any part (equal to $2,000 or an integral multiple of $1,000 in excess thereof) of that Holder’s Notes on the terms
set forth herein.

 

(b)              
In the Change of Control Offer, the Issuer shall be required to offer payment in cash equal to 101% of the aggregate principal
amount of Notes repurchased, plus accrued and unpaid interest, if any, on the Notes of this series repurchased to the date
of repurchase (the “Change of Control Payment”).  Within 30 days following any Change of Control Triggering
Event or, at the Issuer’s option, prior to any Change of Control, but after public announcement of the transaction that constitutes
or may constitute the Change of Control, the Issuer shall mail a notice to Holders of the Notes describing the transaction that
constitutes or may constitute the Change of Control Triggering Event and offering to repurchase such Notes on the date specified
in the notice, which date shall be no earlier than 30 days and no later than 60 days from the date such notice is mailed (the “Change
of Control Payment Date”).  The notice shall, if mailed prior to the date of consummation of the Change of Control,
state that the offer to purchase is conditioned on the Change of Control Triggering Event occurring on or prior to the Change of
Control Payment Date.

 

(c)               
In order to accept the Change of Control Offer, the Holder must deliver to the Paying Agent, at least three Business Days
prior to the Change of Control Payment Date, this Security together with the form entitled “Election Form” (which form
is annexed hereto) duly completed, or a telegram, telex, facsimile transmission or a letter from a member of a national securities
exchange, or the National Association of Securities Dealers, Inc. or a commercial bank or trust company in the United States
setting forth:

 

(i)                
the name of the Holder of the Note;

 

(ii)              
the principal amount of the Note;

 

(iii)            
the principal amount of the Note to be repurchased;

 

(iv)            
the certificate number or a description of the tenor and terms of the Note;

 

(v)              
a statement that the Holder is accepting the Change of Control Offer; and

 

(vi)            
a guarantee that the Note, together with the form entitled “Election Form” duly completed, will be received
by the Paying Agent at least three Business Days prior to the Change of Control Payment Date.

 

(d)              
Any exercise by a Holder of its election to accept the Change of Control Offer shall be irrevocable. The Change of Control
Offer may be accepted for less than the entire principal amount of the Notes, but in that event the principal amount of the Notes
remaining outstanding after repurchase must be equal to $2,000 or an integral multiple of $1,000 in excess thereof.

 

		(e)	On the Change of Control Payment Date, the Issuer shall, to the extent lawful:

 

(i)                
accept for payment all Notes of this series or portions of such Notes properly tendered pursuant to the Change of Control
Offer;

 

(ii)              
deposit with the Paying Agent an amount equal to the Change of Control Payment in respect of all Notes of this series or
portions of such Notes properly tendered; and

 

(iii)            
deliver or cause to be delivered to the Trustee the Notes of this series properly accepted together with an Officers’
Certificate stating the aggregate principal amount of Notes of this series or portions of such Notes being repurchased.

 

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(f)               
The Issuer shall not be required to make a Change of Control Offer upon the occurrence of a Change of Control Triggering
Event if a third party makes such an offer in the manner, at the times and otherwise in compliance with the requirements for an
offer made by the Issuer and the third party purchases all Notes of this series properly tendered and not withdrawn under its offer. 
In addition, the Issuer shall not repurchase any Notes if there has occurred and is continuing on the Change of Control Payment
Date an Event of Default under the Original Indenture, other than a default in the payment of the Change of Control Payment upon
a Change of Control Triggering Event.

 

(g)               
The Issuer shall comply with the requirements of Rule 14e-1 under the Securities Exchange Act of 1934, as amended (the
“Exchange Act”), and any other securities laws and regulations thereunder to the extent those laws and regulations
are applicable in connection with the repurchase of the Notes as a result of a Change of Control Triggering Event. To the extent
that the provisions of any such securities laws or regulations conflict with the Change of Control Offer provisions of the Notes,
the Issuer shall comply with those securities laws and regulations and shall not be deemed to have breached its obligations under
the Change of Control Offer provisions of the Notes by virtue of any such conflict.

 

Section 3.2 
Additional Definitions.  For purposes of the Change of Control Offer provisions of the Securities of this series, the
following terms are applicable:

 

“Change of Control”
means the occurrence of any of the following: (1) the consummation of any transaction (including, without limitation, any
merger or consolidation) the result of which is that any “person” (as that term is used in Section 13(d)(3) of
the Exchange Act) (other than the Issuer or a Subsidiary) becomes the beneficial owner (as defined in Rules 13d-3 and 13d-5
under the Exchange Act), directly or indirectly, of more than 50% of the Issuer’s Voting Stock or other Voting Stock into
which the Issuer’s Voting Stock is reclassified, consolidated, exchanged or changed, measured by voting power rather than
number of shares; (2) the direct or indirect sale, transfer, conveyance or other disposition (other than by way of merger
or consolidation), in one or more series of related transactions, of all or substantially all of the assets of the Issuer and its
Subsidiaries, taken as a whole, to one or more Persons (other than the Issuer or a Subsidiary); or (3) the first day on which
a majority of the members of the Issuer’s Board of Directors are not Continuing Directors. Notwithstanding the foregoing,
a transaction shall not be deemed to involve a Change of Control if (1) the Issuer becomes a direct or indirect wholly-owned
subsidiary of a holding company and (2)(A) the direct or indirect holders of the Voting Stock of such holding company immediately
following that transaction are substantially the same as the holders of the Issuer’s Voting Stock immediately prior to that
transaction or (B) immediately following that transaction no “person” (as that term is used in Section 13(d)(3) of
the Exchange Act) (other than the Issuer or a Subsidiary), other than a holding company satisfying the requirements of this sentence,
is the beneficial owner, directly or indirectly, of more than 50% of the Voting Stock of such holding company.

 

“Change of Control
Triggering Event” means the occurrence of both a Change of Control and a Rating Event.

 

“Continuing
Directors” means, as of any date of determination, any member of the Issuer’s Board of Directors who (1) was
a member of such Board of Directors on the date the Securities of this series were issued or (2) was nominated for election,
elected or appointed to such Board of Directors with the approval of a majority of the Continuing Directors who were members of
such Board of Directors at the time of such nomination, election or appointment (either by a specific vote or by approval of the
Issuer’s proxy statement in which such member was named as a nominee for election as a director, without objection to such
nomination).

 

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“Investment
Grade Rating” means a rating equal to or higher than Baa3 (or the equivalent) by Moody’s and BBB- (or the equivalent)
by S&P, and the equivalent investment grade credit rating from any additional rating agency or rating agencies selected by
the Issuer.

 

“Moody’s”
means Moody’s Investors Service, Inc.

 

“Rating Agencies”
means (1) each of Moody’s and S&P; and (2) if any of Moody’s or S&P ceases to rate the Securities
of this series or fails to make a rating of such Securities publicly available for reasons outside of the Issuer’s control,
a “nationally recognized statistical rating organization” within the meaning of Section 3(a)(62) of the Exchange Act
selected by the Issuer (as certified by a resolution of the Issuer’s Board of Directors) as a replacement agency for Moody’s
or S&P, or all of them, as the case may be.

 

“Rating Event”
means the rating on the Securities of this series is lowered by each of the Rating Agencies and the Securities of this series are
rated below an Investment Grade Rating by each of the Rating Agencies on any day within the 60-day period (which 60-day period
shall be extended so long as the rating of the Securities of this series is under publicly announced consideration for a possible
downgrade by any of the Rating Agencies) after the earlier of (1) the occurrence of a Change of Control and (2) public
notice of the occurrence of a Change of Control or the Issuer’s intention to effect a Change of Control.

 

“S&P”
means Standard & Poor’s Rating Services, a division of The McGraw-Hill Companies, Inc.

 

“Voting Stock”
means, with respect to any specified “person” (as that term is used in Section 13(d)(3) of the Exchange
Act) as of any date, the capital stock of such person that is at the time entitled to vote generally in the election of the board
of directors of such person.

 

ARTICLE FOUR

 

DEFEASANCE

 

Section 4.1. 
Defeasance Applicable to Notes.  Pursuant to Sections 3.01(10), 15.01 and 15.02 of the Original Indenture,
provision is hereby made for both (i) defeasance of the Notes under Section 15.03 of the Original Indenture and
(ii) covenant defeasance of the Notes under Section 15.04, in each case, upon the terms and conditions contained
in Article Fifteen of the Original Indenture.  For purposes of such defeasance or covenant defeasance, the term “Government
Obligations” shall not include obligations referred to in the definition of such term in the Original Indenture which are
not obligations of the United States or a Person controlled or supervised by and acting as an agency or an instrumentality thereof.

 

ARTICLE FIVE

 

DEFAULTS AND REMEDIES

 

Section 5.1. 
Events of Default.  The provisions of Section 5.01(2) of the Original Indenture shall not be applicable
to the Notes.  As contemplated under Section 3.01 and Section 5.01(9) of the Original Indenture,
the following events, in addition to the events described in Sections 5.01(1) and 5.01(3) to (8) of
the Original Indenture, shall be Events of Default with respect to the Notes:

 

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(i)                
default in the payment of the principal of (and premium, if any, on) the Notes when due at its maturity (including a failure
to make a payment to purchase Notes tendered pursuant to a Change of Control Offer or Special Mandatory Redemption in respect of
the Notes).

 

ARTICLE SIX

 

AMENDMENTS AND WAIVERS

 

Section 6.1. 
Modification and Amendment with Consent of Holders of the Notes.  Except as provided below, Section 11.02
of the Original Indenture shall be applicable to the Notes.  After the Issuer’s obligation to purchase the Notes arises
under Article Three of this Fourth Supplemental Indenture, the Issuer shall not, without the consent of each of the Holders
of the then Outstanding Notes, amend, change or modify in any material respect the Issuer’s obligation to make and consummate
a Change of Control Offer in the event of a Change of Control Triggering Event or, after such Change of Control Triggering Event
has occurred, modify any of the provisions or definitions with respect thereto.

 

ARTICLE SEVEN

 

MISCELLANEOUS

 

Section 7.1. 
Effect of Supplemental Indenture.  Except as expressly modified or amended hereby, the Original Indenture continues in
full force and effect and is in all respects confirmed, ratified and preserved.  This Fourth Supplemental Indenture and all
its provisions shall be deemed a part of the Original Indenture in the manner and to the extent herein and therein provided.

 

Section 7.2. 
Application of Fourth Supplemental Indenture.  Each and every term and condition contained in this Fourth Supplemental
Indenture that modifies, amends or supplements the terms and conditions of the Original Indenture shall apply only to the Notes
created hereby and not to any existing or future series of Securities established under the Original Indenture.

 

Section 7.3. 
Benefits of Fourth Supplemental Indenture.  Nothing contained in this Fourth Supplemental Indenture shall be construed
to confer upon any person other than a Holder of the Notes, the Issuer, the Trustee and the calculation agent any right or interest
to avail itself, himself or herself as the case may be, of any benefit under any provision of the Original Indenture or this Fourth
Supplemental Indenture.

 

Section 7.4. 
Effective Date.  This Fourth Supplemental Indenture shall be effective as of the date first above written and upon the
execution and delivery hereof by each of the parties hereto.

 

Section 7.5. 
Governing Law.  This Fourth Supplemental Indenture shall be governed by, and construed in accordance with, the laws of
the State of New York.

 

Section 7.6. 
Counterparts.  This Fourth Supplemental Indenture may be executed in any number of counterparts, each of which so executed
shall be deemed to be an original, but all such counterparts shall together constitute but one and the same instrument.

 

    	11

    	 

    
 

Section 7.7. 
Effect of Headings.  The Article and Section headings herein are for convenience only and shall not affect the
construction hereof.

 

Section 7.8. 
Separability Clause.  In case any provision in this Fourth Supplemental Indenture or in the Notes shall be invalid,
illegal or unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected
or impaired thereby.

 

Section 7.9. 
Satisfaction and Discharge.  The Issuer shall be deemed to have satisfied all of its obligations under this Fourth Supplemental
Indenture upon compliance with the provisions of Section 15.03 or Section 15.04, as applicable of the Original
Indenture relating to defeasance of the Notes, to the extent set forth in Sections 15.01 and 15.02.

 

Section 7.10.
The Trustee makes no representation or warranty as to the validity or sufficiency of this Fourth Supplemental Indenture.

 

Section 7.11. In
no event shall the Trustee be responsible or liable for special, indirect, or consequential loss or damage of any kind whatsoever
(including, but not limited to, loss of profit) irrespective of whether the Trustee has been advised of the likelihood of such
loss or damage and regardless of the form of action.

 

Section 7.12. EACH
OF THE ISSUER AND THE TRUSTEE HEREBY IRREVOCABLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY AND ALL RIGHT TO
TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THIS INDENTURE, THE NOTES OR THE TRANSACTION CONTEMPLATED HEREBY.

 

Section 7.13. In
no event shall the Trustee be responsible or liable for any failure or delay in the performance of its obligations hereunder arising
out of or caused by, directly or indirectly, forces beyond its control, including, without limitation, strikes, work stoppages,
accidents, acts of war or terrorism, civil or military disturbances, nuclear or natural catastrophes or acts of God, and interruptions,
loss or malfunctions of utilities, communications or computer (software and hardware) services; it being understood that the Trustee
shall use reasonable efforts which are consistent with accepted practices in the banking industry to resume performance as soon
as practicable under the circumstances.

 

Section 7.14. The
Trustee agrees to accept and act upon instructions or directions pursuant to this Indenture sent by unsecured e-mail, pdf, facsimile
transmission or other similar unsecured electronic methods, provided, however, that the Trustee shall have received an incumbency
certificate listing persons designated to give such instructions or directions and containing specimen signatures of such designated
persons, which such incumbency certificate shall be amended and replaced whenever a person is to be added or deleted from the listing.
If the Issuer elects to give the Trustee e-mail or facsimile instructions (or instructions by a similar electronic method) and
the Trustee in its discretion elects to act upon such instructions, the Trustee’s understanding of such instructions shall
be deemed controlling. The Trustee shall not be liable for any losses, costs or expenses arising directly or indirectly from the
Trustee’s reliance upon and compliance with such instructions notwithstanding such instructions conflict or are inconsistent
with a subsequent written instruction. The Issuer agrees to assume all risks arising out of the use of such electronic methods
to submit instructions and directions to the Trustee, including without limitation the risk of the Trustee acting on unauthorized
instructions, and the risk or interception and misuse by third parties.

 

 

    	12

    	 

    

 

IN WITNESS WHEREOF,
the parties hereto have caused this Fourth Supplemental Indenture to be duly executed as of the date first above written.

 

	 	EQUIFAX INC.
	 	as Issuer
	 	By: 	
	 	 	Name:
Title:

 

	 
	Attest:
	 
	
        Name:

        Title:

 

	 	THE BANK OF NEW YORK MELLON TRUST
COMPANY, N.A.
	 	as Trustee
	 	By: 	
	 	 	Name:
Title:

  

    	13

    	 

    

 

EXHIBIT A

 

[FACE OF NOTE]

 

THIS NOTE IS A SECURITY
IN GLOBAL FORM (“GLOBAL SECURITY”) WITHIN THE MEANING OF SECTION 2.03 OF THE ORIGINAL INDENTURE HEREINAFTER
REFERRED TO AND IS REGISTERED IN THE NAME OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (THE “DEPOSITORY”)
OR A NOMINEE OF THE DEPOSITORY, WHICH MAY BE TREATED BY THE ISSUER, THE TRUSTEE AND ANY AGENT THEREOF AS OWNER AND HOLDER
OF THIS NOTE FOR ALL PURPOSES.

 

UNLESS THIS CERTIFICATE
IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE
ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE &
CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC AND ANY PAYMENT IS MADE TO CEDE & CO.
OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC, ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE
OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

 

UNLESS AND UNTIL THIS
CERTIFICATE IS EXCHANGED IN WHOLE OR IN PART FOR NOTES IN CERTIFICATED FORM, THIS CERTIFICATE MAY NOT BE TRANSFERRED
EXCEPT AS A WHOLE BY DTC TO A NOMINEE THEREOF OR BY A NOMINEE THEREOF TO DTC OR ANOTHER NOMINEE OF DTC OR BY DTC OR ANY SUCH NOMINEE
TO A SUCCESSOR OF DTC OR A NOMINEE OF SUCH SUCCESSOR.

 

    	A-1

    	 

    

 

NO. [    ]

 

	CUSIP NO. 294429 AJ4	$[                     ]

ISIN NO. US294429AJ43

 

EQUIFAX INC.

 

3.30% Senior Notes due 2022

 

Equifax Inc., a Georgia
corporation (the “Issuer,” which term includes any successor under the Original Indenture hereinafter referred
to), for value received, hereby promises to pay to Cede & Co. or its registered assigns, the principal sum of [                       ]
Dollars on December 15, 2022 (the “Maturity Date”), and to pay interest thereon from December 17, 2012 (or from
the most recent interest payment date to which interest has been paid or duly provided for) in U.S. dollars semi-annually in arrears
on June 15 and December 15 of each year, each, an “Interest Payment Date”, commencing on June 15, 2013, and on
the Maturity Date, at the rate of 3.30% per annum, until payment of said principal sum has been made or duly provided for.

 

The interest so payable
and punctually paid or duly provided for on any Interest Payment Date and on the Maturity Date will be paid to the Holder in whose
name this Note (or one or more predecessor Notes) is registered at the close of business on the “Record Date” for such
payment, which will be June 1 and December 1 (regardless of whether such day is a Business Day (as defined below)).  Any interest
not so punctually paid or duly provided for shall forthwith cease to be payable to the Holder on such record date, and shall be
paid to the Holder in whose name this Note (or one or more predecessor Notes) is registered at the close of business on a subsequent
record date for the payment of such defaulted interest (which shall be not less than five Business Days (as defined below) prior
to the date of the payment of such defaulted interest) established by notice given by mail by or on behalf of the Issuer to the
Holders of the Notes not less than 15 days preceding such subsequent record date. Interest on this Note will be computed on the
basis of a 360-day year of twelve 30-day months.

 

The principal of this
Note payable on the Maturity Date will be paid against presentation and surrender of this Note at the office or agency of the Issuer
maintained for that purpose in The Borough of Manhattan, The City of New York.  The Issuer hereby initially designates the
Corporate Trust Office of the Trustee in the City of New York as the office to be maintained by it where Notes may be presented
for payment, registration of transfer, or exchange and where notices or demands to or upon the Issuer in respect of the Notes or
the Original Indenture referred to on the reverse hereof may be served.

 

Interest payable on this
Note on any Interest Payment Date and on the Maturity Date, as the case may be, will be the amount of interest accrued from and
including the immediately preceding Interest Payment Date (or from and including December 17, 2012, in the case of the
initial Interest Payment Date) to but excluding the applicable Interest Payment Date or the Maturity Date, as the case may be. 
If any Interest Payment Date or the Maturity Date falls on a day that is not a Business Day (as defined below), the required payment
of interest or principal or both, as the case may be, will be made on the next Business Day with the same force and effect as if
it were made on the date such payment was due and no interest will accrue on the amount so payable for the period from and after
such Interest Payment Date or the Maturity Date, as the case may be.  “Business Day” means any calendar day, that
is not a Saturday, Sunday or legal holiday in New York, New York and on which commercial banks are open for business in New York,
New York.

 

    	A-2

    	 

    
 

Payments of principal
and interest in respect of this Note will be made by wire transfer of immediately available funds in such coin or currency of the
United States of America as at the time of payment is legal tender for the payment of public and private debts.

 

Reference is made to
the further provisions of this Note set forth on the reverse hereof.  Such further provisions shall for all purposes have
the same effect as though fully set forth at this place.

 

This Note shall not be
entitled to the benefits of the Original Indenture referred to on the reverse hereof or be valid or become obligatory for any purpose
until the certificate of authentication hereon shall have been signed by the Trustee under such Indenture.

 

IN WITNESS WHEREOF, the
Issuer has caused this instrument to be signed manually or by facsimile by its authorized officers.

 

Dated as of December 17, 2012

 

	 	EQUIFAX INC.
	 	as Issuer
	 	By: 	
	 	 	Name:
Title:

 

	 
	Attest:
	 
	
        Name:

        Title:

 

    	A-3

    	 

    

 

TRUSTEE’S CERTIFICATE OF AUTHENTICATION

 

This is one of the Securities
of the series designated herein referred to in the within-mentioned Indenture.

 

	 	THE BANK OF NEW YORK MELLON TRUST
COMPANY, N.A.
	 	as Trustee
	 	 
	Date:                                                                 	By: 	
	 	 	Name:
Title:

 

    	A-4

    	 

    

 

[REVERSE OF NOTE]

 

EQUIFAX INC.

 

3.30% Senior Notes due 2022

 

This security
is one of a duly authorized issue of debentures, notes, bonds, or other evidences of indebtedness of the Issuer (hereinafter called
the “Securities”) of the series hereinafter specified, all issued or to be issued under and pursuant to an Indenture
dated as of June 29, 1998 (hereinafter called the “Original Indenture”), duly executed and delivered by
the Issuer to The Bank of New York Mellon Trust Company, N.A. (formerly known as The Bank of New York Trust Company, N.A. as successor
to Bank One Trust Company, N.A., which was successor in interest to The First National Bank of Chicago), as Trustee (hereinafter
called the “Trustee,” which term includes any successor trustee under the Original Indenture with respect to
the series of Securities of which this Note is a part), and a Fourth Supplemental Indenture, dated as of December 17, 2012,
between the Issuer and the Trustee (the “Fourth Supplemental Indenture;” the Original Indenture as modified
and supplemented by the Fourth Supplemental Indenture is herein called the “Indenture”) to which the Original
Indenture and all indentures supplemental thereto relating to this security reference is hereby made for a description of the rights,
limitations of rights, obligations, duties, and immunities thereunder of the Trustee, the Issuer, and the Holders of the Securities,
and of the terms upon which the Securities are, and are to be, authenticated and delivered.  The Securities may be issued
in one or more series, which different series may be issued in various aggregate principal amounts, may mature at different times,
may bear interest (if any) at different rates, may be subject to different redemption provisions (if any), and may otherwise vary
as provided in the Original Indenture or any indenture supplemental thereto.  This security is one of a series designated
as the 3.30% Senior Notes due 2022 of the Issuer, initially limited in aggregate principal amount to $500,000,000.

 

In case an Event of Default
with respect to this security shall have occurred and be continuing, the principal hereof together with accrued interest to the
date of declaration, if any, may be declared, and upon such declaration shall become, due and payable, in the manner, with the
effect, and subject to the conditions provided in the Original Indenture.

 

Except as otherwise may
be specified herein or in the Fourth Supplemental Indenture, prior to September 15, 2022, the Issuer shall have the right to redeem
to Notes, in whole or in part, at any time or from time to time, at a redemption price (the “Optional Redemption Price”)
equal to the greater of (i) 100% of the principal amount plus accrued an unpaid interest to, but excluding, the Redemption
Date, and (ii) the sum of the present values of the Remaining Scheduled Payments of principal and interest (exclusive of interest
accrued to the Redemption Date) discounted to the Redemption Date on a semi-annual basis (assuming a 360-day year consisting of
twelve 30-day months) at the Treasury Rate plus 30 basis points, plus accrued and unpaid interest on the principal
amount being redeemed to, but excluding, the Redemption Date.

 

On or after September
15, 2022, the Issuer shall have the right to redeem the Notes, in whole or in part, at any time or from time to time, at the Issuer’s
option, for an amount in cash equal to 100% of the principal amount plus any accrued and unpaid interest, including additional
interest, if any, to, but excluding the Redemption Date.

 

The Issuer will mail
notice of such redemption to the registered holders of the Notes to be redeemed not less than 30 nor more than 60 days prior to
the Redemption Date.  If Notes are only partially redeemed pursuant to the Fourth Supplemental Indenture, the Notes to be
redeemed will be selected by the Trustee in such manner as in its sole discretion it shall deem appropriate and fair; provided,
that if at the time of redemption the Notes to be redeemed are registered as a Global Note, the Depository shall determine, in
accordance with its procedures, the principal amount of the Notes to be redeemed held by each of its participants that holds a
position in such Notes. The Optional Redemption Price shall be paid prior to 12:00 noon, New York time, on the Redemption Date
or at such later time as is then permitted by the rules of the Depository for the Notes (if then registered as a Global Note); provided, that
the Issuer shall deposit with the Trustee an amount sufficient to pay the Optional Redemption Price by 10:00 a.m., New York
time, on the date such Optional Redemption Price is to be paid.

 

    	A-5

    	 

    
 

Upon the occurrence of
a Special Mandatory Redemption Triggering Event, the Issuer shall redeem the Notes in full on the Special Mandatory Redemption
Date at a redemption price equal to 101% of the principal amount of the Notes plus accrued and unpaid interest from the
date of the initial issuance of the Notes, or the most recent Interest Payment Date, whichever is later, to but excluding the Special
Mandatory Redemption Date.

 

The Issuer, or the Trustee
on the Issuer’s behalf, will cause notice of the Special Mandatory Redemption to be mailed promptly after the occurrence
of the Special Mandatory Redemption Triggering Event to each Holder at its registered address. If funds sufficient to fund the
Special Mandatory Redemption of all Notes to be redeemed on the Special Mandatory Redemption Date are deposited with the paying
agent on or before the Special Mandatory Redemption Date and the other conditions set forth in Section 1.7 of the Fourth Supplemental
Indenture have been satisfied, all of the Notes will be redeemed on the Special Mandatory Redemption Date and on and after such
date the Notes will cease to bear interest and all rights under such Notes will terminate.

 

If a Change of Control
Triggering Event occurs, unless the Issuer has exercised its option to redeem the Securities of this series, the Issuer shall be
required to make an offer (the “Change of Control Offer”) to each Holder of the Notes of this series to repurchase
all or any part (equal to $2,000 or an integral multiple of $1,000 in excess thereof) of that Holder’s Notes on the terms
set forth herein. In the Change of Control Offer, the Issuer shall be required to offer payment in cash equal to 101% of the aggregate
principal amount of Notes of this series repurchased, plus accrued and unpaid interest, if any, on the Notes of this series
repurchased to the date of repurchase (the “Change of Control Payment”).  Within 30 days following any
Change of Control Triggering Event or, at the Issuer’s option, prior to any Change of Control, but after public announcement
of the transaction that constitutes or may constitute the Change of Control, a notice shall be mailed to Holders of the Notes of
this series describing the transaction that constitutes or may constitute the Change of Control Triggering Event and offering to
repurchase such Securities on the date specified in the notice, which date shall be no earlier than 30 days and no later than 60
days from the date such notice is mailed (the “Change of Control Payment Date”).  The notice shall, if mailed
prior to the date of consummation of the Change of Control, state that the offer to purchase is conditioned on the Change of Control
Triggering Event occurring on or prior to the Change of Control Payment Date.

 

In order to accept the
Change of Control Offer, the Holder must deliver to the Paying Agent, at least three Business Days prior to the Change of Control
Payment Date, this Security together with the form entitled “Election Form” (which form is annexed hereto) duly completed,
or a telegram, telex, facsimile transmission or a letter from a member of a national securities exchange, or the Financial Industry
Regulatory Authority, or a commercial bank or trust company in the United States setting forth:

 

(i)the name of the
Holder of the Note;

 

(ii) the principal
amount of the Note;

 

(iii) the principal
amount of the Note to be repurchased;

 

    	A-6

    	 

    
 

(iv) the certificate
number or a description of the tenor and terms of the Note;

 

(v) a statement that
the Holder is accepting the Change of Control Offer; and

 

(vi) a guarantee
that the Note, together with the form entitled “Election Form” duly completed, will be received by the Paying Agent
at least three Business Days prior to the Change of Control Payment Date.

 

Any exercise by a Holder
of its election to accept the Change of Control Offer shall be irrevocable. The Change of Control Offer may be accepted for less
than the entire principal amount of the Notes, but in that event the principal amount of the Notes remaining outstanding after
repurchase must be equal to $2,000 or an integral multiple of $1,000 in excess thereof.  On the Change of Control Payment
Date, the Issuer shall, to the extent lawful (1) accept for payment all Notes of this series or portions of such Notes properly
tendered pursuant to the Change of Control Offer, (2) deposit with the Paying Agent an amount equal to the Change of Control
Payment in respect of all Notes of this series or portions of such Notes properly tendered, and (3) deliver or cause to be
delivered to the Trustee the Notes of this series properly accepted together with an Officers’ Certificate stating the aggregate
principal amount of Notes of this series or portions of such Securities being repurchased.

 

The Issuer shall not
be required to make a Change of Control Offer upon the occurrence of a Change of Control Triggering Event if a third party makes
such an offer in the manner, at the times and otherwise in compliance with the requirements for an offer made by the Issuer and
the third party purchases all Notes of this series properly tendered and not withdrawn under its offer.  In addition, the
Issuer shall not repurchase any Securities of this series if there has occurred and is continuing on the Change of Control Payment
Date an Event of Default under the Original Indenture, other than a default in the payment of the Change of Control Payment upon
a Change of Control Triggering Event.

 

The Issuer shall comply
with the requirements of Rule 14e-1 under the Securities Exchange Act of 1934, as amended (the “Exchange Act”),
and any other securities laws and regulations thereunder to the extent those laws and regulations are applicable in connection
with the repurchase of the Securities of this series as a result of a Change of Control Triggering Event. To the extent that the
provisions of any such securities laws or regulations conflict with the Change of Control Offer provisions of the Notes of this
series, the Issuer shall comply with those securities laws and regulations and shall not be deemed to have breached its obligations
under the Change of Control Offer provisions of the Securities of this series by virtue of any such conflict.

 

The following terms have
the meanings given to them in this Note:

 

“Acquisition”
means the transaction contemplated by the Purchase Agreement.

 

“Business Day”
means, unless otherwise specified, any calendar day that is not a Saturday, Sunday or legal holiday in New York, New York and on
which commercial banks are open for business in New York, New York.

 

“Change of Control”
means the occurrence of any of the following: (1) the consummation of any transaction (including, without limitation, any
merger or consolidation) the result of which is that any “person” (as that term is used in Section 13(d)(3) of
the Exchange Act) (other than the Issuer or a Subsidiary) becomes the beneficial owner (as defined in Rules 13d-3 and 13d-5
under the Exchange Act), directly or indirectly, of more than 50% of the Issuer’s Voting Stock or other Voting Stock into
which the Issuer’s Voting Stock is reclassified, consolidated, exchanged or changed, measured by voting power rather than
number of shares; (2) the direct or indirect sale, transfer, conveyance or other disposition (other than by way of merger
or consolidation), in one or more series of related transactions, of all or substantially all of the assets of the Issuer and its
Subsidiaries, taken as a whole, to one or more Persons (other than the Issuer or a Subsidiary); or (3) the first day on which
a majority of the members of the Issuer’s Board of Directors are not Continuing Directors. Notwithstanding the foregoing,
a transaction shall not be deemed to involve a Change of Control if (1) the Issuer becomes a direct or indirect wholly-owned
subsidiary of a holding company and (2)(A) the direct or indirect holders of the Voting Stock of such holding company immediately
following that transaction are substantially the same as the holders of the Issuer’s Voting Stock immediately prior to that
transaction or (B) immediately following that transaction no “person” (as that term is used in Section 13(d)(3) of
the Exchange Act) (other than the Issuer or a Subsidiary), other than a holding company satisfying the requirements of this sentence,
is the beneficial owner, directly or indirectly, of more than 50% of the Voting Stock of such holding company.

 

    	A-7

    	 

    
 

“Change of Control
Triggering Event” means the occurrence of both a Change of Control and a Rating Event.

 

“Comparable
Treasury Issue” means the United States Treasury security selected by an Independent Investment Banker as having a maturity
comparable to the remaining term (“Remaining Life”) of the Notes to be redeemed that would be utilized, at the time
of selection and in accordance with customary financial practice, in pricing new issues of corporate debt securities of comparable
maturity to the remaining term of such Notes.

 

“Comparable
Treasury Price” means, with respect to any Redemption Date, (A) the average of the Reference Treasury Dealer Quotations
for such Redemption Date, after excluding the highest and lowest such Reference Treasury Dealer Quotations, or (B) if the
Independent Investment Banker obtains fewer than four such Reference Treasury Dealer Quotations, the average of all such Quotations
or, if only one such Quotation is obtained, such Quotation.

 

“Continuing
Directors” means, as of any date of determination, any member of the Issuer’s Board of Directors who (1) was
a member of such Board of Directors on the date the Notes were issued or (2) was nominated for election, elected or appointed
to such Board of Directors with the approval of a majority of the Continuing Directors who were members of such Board of Directors
at the time of such nomination, election or appointment (either by a specific vote or by approval of the Issuer’s proxy statement
in which such member was named as a nominee for election as a director, without objection to such nomination).

 

“Depository”
means a clearing agency registered under Section 17A of the Exchange Act that is designated to act as Depository for the Notes.

 

“Independent
Investment Banker” means an independent investment banking institution of national standing appointed by the Issuer,
which may be one of the Reference Treasury Dealers.

 

“Investment
Grade Rating” means a rating equal to or higher than Baa3 (or the equivalent) by Moody’s and BBB- (or the equivalent)
by S&P, and the equivalent investment grade credit rating from any additional rating agency or rating agencies selected by
the Issuer.

 

“Moody’s”
means Moody’s Investors Service, Inc.

 

    	A-8

    	 

    
 

“Purchase Agreement”
means that certain Asset Purchase Agreement dated as of December 1, 2012, by and among Equifax Information Services LLC, a wholly-owned
subsidiary of the Issuer, and CSC Credit Services, Inc., pursuant to which the Acquisition shall be consummated.

 

“Rating Agencies”
means (1) each of Moody’s and S&P; and (2) if any of Moody’s or S&P ceases to rate the Securities
of this series or fails to make a rating of such Securities publicly available for reasons outside of the Issuer’s control,
a “nationally recognized statistical rating organization” within the meaning of Section 3(a)(62) of the Exchange Act
selected by the Issuer (as certified by a resolution of the Issuer’s Board of Directors) as a replacement agency for Moody’s
or S&P, or all of them, as the case may be.

 

“Rating Event”
means the rating on the Notes is lowered by each of the Rating Agencies and the Notes are rated below an Investment Grade Rating
by each of the Rating Agencies on any day within the 60-day period (which 60-day period shall be extended so long as the rating
of the Securities of this series is under publicly announced consideration for a possible downgrade by any of the Rating Agencies)
after the earlier of (1) the occurrence of a Change of Control and (2) public notice of the occurrence of a Change of
Control or the Issuer’s intention to effect a Change of Control.

 

“Redemption
Date” means, with respect to any optional redemption of Notes pursuant to Section 1.6 of the Fourth Supplemental Indenture,
the date fixed for such redemption pursuant to the Original Indenture and such Notes.

 

“Reference Treasury
Dealer” means J.P. Morgan Securities LLC, a Primary Treasury Dealer (defined below) selected by Wells Fargo Securities,
LLC and any other two Primary Treasury Dealers selected by the Issuer and their respective successors, provided that if
any of the foregoing or any such successor shall cease to be a primary U.S. government securities dealer in New York City (a “Primary
Treasury Dealer”), the Issuer will substitute therefor another Primary Treasury Dealer.

 

“Reference Treasury
Dealer Quotations” means, with respect to each Reference Treasury Dealer and any Redemption Date, the average, as determined
by the Independent Investment Banker, of the bid and asked prices for the Comparable Treasury Issue (expressed in each case as
a percentage of its principal amount) quoted in writing to the Independent Investment Banker by the Reference Treasury Dealer at
5:00 p.m. on the third Business Day preceding such Redemption Date.

 

“Remaining Scheduled
Payments” means, with respect to the Notes to be redeemed, the remaining scheduled payments of the principal thereof
and interest thereon that would be due at the related Redemption Date but before such redemption; provided, however, that if such
Redemption Date is not an interest payment date, with respect to the Notes, the amount of the next succeeding scheduled interest
payment thereon will be deemed to be reduced by the amount of interest accrued thereon to such Redemption Date.

 

“S&P”
means Standard & Poor’s Rating Services, a division of The McGraw-Hill Companies, Inc.

 

“Special Mandatory
Redemption” means any redemption effected pursuant to Section 1.7 of the Fourth Supplemental Indenture.

 

“Special Mandatory
Redemption Date” means the 15th calendar day following the earlier to occur of (1) June 30, 2013 and (2) the
date that the Purchase Agreement is terminated.

 

    	A-9

    	 

    
 

“Special Mandatory
Redemption Triggering Event” means any event specified in Section 1.7 of the Fourth Supplemental Indenture.

 

“Treasury Rate”
means, with respect to any Redemption Date, (i) the yield, under the heading which represents the average for the immediately
preceding week, appearing in the most recently published statistical release designated “H.15(519)” or any successor
publication which is published weekly by the Board of Governors of the Federal Reserve System and which establishes yields on actively
traded United States Treasury securities adjusted to constant maturity under the caption “Treasury Constant Maturities,”
for the maturity corresponding to the Comparable Treasury Issue (if no maturity is within three months before or after the Remaining
Life, yields for the two published maturities most closely corresponding to the Comparable Treasury Issue shall be determined and
the Treasury Rate shall be interpolated or extrapolated from such yields on a straight line basis, rounding to the nearest month),
(ii) if the period from the Redemption Date to the Maturity Date of the Notes to be redeemed is less than one year, the weekly
average yield on actually traded United States Treasury securities adjusted to a constant maturity of one year will be used, or
(iii) if such release (or any successor release) is not published during the week preceding the calculation date or does not
contain such yields, the rate per annum equal to the semiannual equivalent yield to maturity of the Comparable Treasury Issue,
calculated using a price for the Comparable Treasury Issue (expressed as a percentage of its principal amount) equal to the Comparable
Treasury Price for such Redemption Date. The Treasury Rate shall be calculated by the Issuer on the third Business Day preceding
such Redemption Date. The Trustee shall not be responsible for any such calculation.

 

“Voting Stock”
means, with respect to any specified “person” (as that term is used in Section 13(d)(3) of the Exchange Act)
as of any date, the capital stock of such person that is at the time entitled to vote generally in the election of the board of
directors of such person.

 

The Original Indenture
contains provisions permitting the Issuer and the Trustee, with the consent of the Holders of not less than a majority of the aggregate
principal amount of the Securities at the time outstanding of all series to be affected (voting as one class), evidenced as provided
in the Original Indenture, to execute supplemental indentures adding any provisions to or changing in any manner or eliminating
any of the provisions of the Original Indenture or of any supplemental indenture or modifying in any manner the rights of the Holders
of the Securities of each series; provided, however, that no such supplemental indenture shall, without the consent of the Holder
of each Security so affected, (1) change the Stated Maturity of the principal of, or installment of interest, if any, on,
any Security, or reduce the principal amount thereof or the interest thereon or any premium payable upon redemption thereof, or
change the Stated Maturity of or reduce the amount of any payment to be made with respect to any Coupon, or change the Currency
or Currencies in which the principal of (and premium, if any) or interest on such Security is denominated or payable, or change
the place where any such amount is payable, or reduce the amount of the principal of a Discount Security that would be due and
payable upon a declaration of acceleration of the Maturity thereof pursuant to Section 5.02 of the Original Indenture, or
adversely affect the right of repayment or repurchase, if any, at the option of the Holder, or reduce the amount of, or postpone
the date fixed for, any payment under any sinking fund or analogous provisions for any Security, or impair the right to institute
suit for the enforcement of any payment on or after the Stated Maturity thereof (or, in the case of redemption, on or after the
Redemption Date), or limit the obligation of the Issuer to maintain a paying agency outside the United States for payment on Bearer
Securities as provided in Section 12.03 of the Original Indenture, or (2) reduce the percentage in principal amount of
the Outstanding Securities of any series, the consent of whose Holders is required for any supplemental indenture, or the consent
of whose Holders is required for any waiver of compliance with certain provisions of this Indenture or certain defaults hereunder
and their consequences provided for in this Indenture, or (3) modify any of the provisions of Sections 11.02, 5.13 or 12.09
of the Original Indenture, except to increase any such percentage or to provide that certain other provisions of the Original Indenture
cannot be modified or waived without the consent of the Holder of each Outstanding Security of each series affected thereby.

 

    	A-10

    	 

    
 

It is also provided in
the Original Indenture that, with respect to certain defaults or Events of Default regarding the Securities of any series, the
Holders of a majority in aggregate principal amount outstanding of the Securities of such series (or, in the case of certain defaults
or Events of Default, all series of Securities) may on behalf of the Holders of all the Securities of such series (or all of the
Securities, as the case may be) waive any such past default or Event of Default and its consequences, prior to any declaration
accelerating the maturity of such Securities, or, subject to certain conditions, may rescind a declaration of acceleration and
its consequences with respect to such Securities. Any such consent or waiver by the Holder of this Security (unless revoked as
provided in the Original Indenture) shall be conclusive and binding upon such Holder and upon all future Holders and owners of
the security and any securities that may be issued in exchange or substitution herefor, irrespective of whether or not any notation
thereof is made upon this security or such other securities.

 

No reference herein to
the Original Indenture and no provision of this security or of the Original Indenture shall alter or impair the obligation of the
Issuer, which is absolute and unconditional, to pay the principal of and interest on this Security in the manner, at the respective
times, at the rate and in the coin or currency herein prescribed.

 

This Security is issuable
only in registered form without coupons in denominations of $2,000 and integral multiples of $1,000 in excess thereof.  Securities
may be exchanged for a like aggregate principal amount of securities of this series of other authorized denominations at the office
or agency of the Issuer in The Borough of Manhattan, The City of New York, in the manner and subject to the limitations provided
in the Original Indenture, but without the payment of any service charge except for any tax or other governmental charge imposed
in connection therewith.

 

Upon due presentment
for registration of transfer of Securities at the office or agency of the Issuer in The Borough of Manhattan, The City of New York,
one or more new Securities of the same series of authorized denominations in an equal aggregate principal amount will be issued
to the transferee in exchange therefor, subject to the limitations provided in the Original Indenture, without charge except for
any tax or other governmental charge imposed in connection therewith.

 

The Issuer, the Trustee
or any authorized agent of the Issuer or the Trustee may deem and treat the Person in whose name this security is registered as
the absolute owner of this security (whether or not this security shall be overdue and notwithstanding any notation of ownership
or other writing hereon), for the purpose of receiving payment of, or on account of, the principal hereof and Make-Whole Amount,
if any, and subject to the provisions on the face hereof, interest hereon, and for all other purposes, and neither the Issuer nor
the Trustee nor any authorized agent of the Issuer or the Trustee shall be affected by any notice to the contrary.

 

The Original Indenture
and each Security shall be deemed to be a contract under the laws of the State of New York, and for all purposes shall be construed
in accordance with the laws of such state, except as may otherwise be required by mandatory provisions of law.

 

Capitalized terms used
herein which are not otherwise defined shall have the respective meanings assigned to them in the Original Indenture and all indentures
supplemental thereto relating to this security.

 

    	A-11

    	 

    

 

OPTION OF HOLDER TO ELECT PURCHASE

 

If you want to elect
to have this Note purchased by the Issuer pursuant to Article Three of the Fourth Supplemental Indenture, check the box:  ̈

 

If you want to elect
to have only part of this Note purchased by the Issuer pursuant to Article Three of the Fourth Supplemental Indenture, state
the amount in principal amount that you elect to have purchased: $

 

	Dated:                                                        	Your Signature:	
	 	 	(Sign exactly as your name appears on the other side of this Note.)

	Your Signature:	
	 	(Signature must be guaranteed)

Signatures must be guaranteed
by an “eligible guarantor institution” meeting the requirements of the Registrar, which requirements include membership
or participation in the Security Transfer Agent Medallion Program (“STAMP”) or such other “signature guarantee
program” as may be determined by the Registrar in addition to, or in substitution for, STAMP, all in accordance with the
Securities Exchange Act of 1934, as amended.

 

    	A-12HSBC

Commercial Banking — Commercial Real Estate

 

	
        PRIVATE AND CONFIDENTIAL

        Comtech Broadband Corporation

        Ltd Suite 514 Manhattan Center

        8 Kwai Cheong Road

        Kwai Chung, New Territories
	4 December 2012

 

Attn : Mr Allen Wu

 

Dear Sir

   

With reference to our recent discussion,
the Bank is pleased to confirm its agreement to granting the Borrower the following facilities. The Bank shall have an unrestricted
discretion to cancel or suspend, or determine whether or not to permit drawings in relations to, the facilities. The facilities
are subject to review at any time and in any event by 15 May 2013, and also subject to the Bank's overriding right of suspension,
withdrawal and repayment on demand including the right to call for cash cover on demand for prospective and contingent liabilities.

 

In the event of a renewal of the facilities
next year or by 15 May 2013, whichever is earlier, the Bank will issue a renewal notification letter to confirm the continuation
of the latest available facilities.

 

BORROWER

 

	
        Comtech Broadband Corporation Ltd

Comtech Digital Technology
        (I IK) Ltd

Comtech Industrial (UK) Ltd

MDC Tech Inc Ltd

        
	("CBC")

("CDT")

("CIHK")

("MDC")

 

	FACILITIES	Limit                     
	 	 	 
	Facilities available to CBC, CDT, MIK and MDC	                     
	 	 	 
	Combined Limit for the following facilities within which the following sub-limits apply:	USD40,000,000.-
	 	 	 
	(a)	Import Facilities

(Maximum Tenor 90 days)	USD40,000,000.-
	(b)	Loan Against Import ("LAI") 

(Maximum Tenor 90 days)	USD40,000,000.-
	(c)	Trust Receipts

(Maximum Tenor 90 days)	USD40,000,000.-
	(d)	Clean Import Loan

(Maximum tenor 90 days)	USD40,000,000.-
	(e)	Export Factoring	USD10,000,000.-
	(f)	Revolving Loan	USD10,000,000.-

 

Notwithstanding the limits set out above,
the aggregate outstanding of the above items (b), (c), (d), (e) and (f) shall at no time exceed USD40,000,000.-.

 

The Hongkong and Shanghai
Banking Corporation Limited HSBC Main Building, 1 Queen's Road Central,

Hong Kong Tel: (852)
2822 1111 Fax: (852) 2721 7648

Telex:
73205 HSBC 14X Telegrams: Hongbank Hongkong Web: www.hsbe.com,hk

 

Incorporated in the
Hong Kong SAR with limited liability

Registered at the Hong Kong Companies Registry No. 263876

 

    	Page 1 of 2

    	 

    
 

	 
        Comtech Broadband Corporation Ltd

        
	4 December 2012
	 	 

 

 

	FACILITIES	Limit                   
	 	 
	Facilities available to CIHK	 
	 	 
	Treasury Facilities (Risk-weighted up
    to 60 months) within which the following risk-weighted sub-limits apply;	USD2,000,000.-
	-        Foreign
    Exchange	USD2,000,000.-

 

 

Apart from the foregoing, all other terms and conditions relating
to the Borrower(s)'s existing banking facilities remain unchanged as detailed in the Bank's letter of 13 June 2012.

 

This information is given in strict confidence and without any
responsibility, howsoever arising, on the part of the Bank or its officers.

 

 

Yours faithfully

 

/s/ Juliana Cheung

 

Juliana Cheung

Senior Vice President

 

    	Page 2 of 2

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