Document:

<PAGE>

                                                                    EXHIBIT 10.6

                                  $130,000,000

                                CREDIT AGREEMENT

                                   dated as of

                                  June 29, 2001

                                 by and between

                                  CERTEGY INC.

                                       and

                            FIRST UNION NATIONAL BANK
<PAGE>

<TABLE>
<CAPTION>
                                TABLE OF CONTENTS

                                CREDIT AGREEMENT

<S>                                                                                                              <C>
ARTICLE I. DEFINITIONS............................................................................................1
----------------------

   SECTION 1.1 Definitions........................................................................................1
   -----------------------
   SECTION 1.2 Accounting Terms and Determinations...............................................................16
   -----------------------------------------------
   SECTION 1.3 References........................................................................................16
   ----------------------
   SECTION 1.4 Use of Defined Terms..............................................................................16
   --------------------------------
   SECTION 1.5 Terminology.......................................................................................16
   -----------------------

ARTICLE II. CREDIT FACILITY......................................................................................16
---------------------------

   SECTION 2.1 Revolving Loans...................................................................................16
   ---------------------------
   SECTION 2.2 Borrowing, Investment Procedures Under Cash Management Arrangement................................17
   ------------------------------------------------------------------------------
   SECTION 2.3 Revolver Note.....................................................................................18
   -------------------------
   SECTION 2.4 Repayment of Revolving Loans......................................................................18
   ----------------------------------------
   SECTION 2.5 Interest..........................................................................................18
   --------------------
   SECTION 2.6 Fees..............................................................................................19
   ----------------
   SECTION 2.7 Termination or Reductions of Commitment...........................................................19
   ---------------------------------------------------
   SECTION 2.8 General Provisions as to Payments.................................................................20
   ---------------------------------------------
   SECTION 2.9 Taxes.............................................................................................20
   -----------------

ARTICLE III. CONDITIONS TO BORROWINGS............................................................................22
-------------------------------------

   SECTION 3.1 Conditions to Initial Revolving Loan..............................................................22
   ------------------------------------------------
   SECTION 3.2 Failure to Fulfill Conditions Precedent...........................................................25
   ---------------------------------------------------
   SECTION 3.3 Conditions to All Revolving Loans.................................................................25
   ---------------------------------------------

ARTICLE IV. REPRESENTATIONS AND WARRANTIES.......................................................................25
------------------------------------------

   SECTION 4.1 Existence; Power..................................................................................25
   ----------------------------
   SECTION 4.2 Organizational Power; Authorization...............................................................25
   -----------------------------------------------
   SECTION 4.3 Governmental Approvals; No Conflicts..............................................................26
   ------------------------------------------------
   SECTION 4.4 Financial Statements..............................................................................26
   --------------------------------
   SECTION 4.5 Litigation and Environmental Matters..............................................................26
   ------------------------------------------------
   SECTION 4.6 Compliance with Laws and Agreements...............................................................27
   -----------------------------------------------
   SECTION 4.7 Investment Company Act, Etc.......................................................................27
   ---------------------------------------
   SECTION 4.8 Taxes.............................................................................................27
   -----------------
   SECTION 4.9 Margin Regulations................................................................................27
   ------------------------------
   SECTION 4.10 ERISA............................................................................................27
   ------------------
   SECTION 4.11 Ownership of Property............................................................................28
   ----------------------------------
   SECTION 4.12 Disclosure.......................................................................................28
   -----------------------
   SECTION 4.13 Labor Relations..................................................................................28
   ----------------------------
</TABLE>
                                       i
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<TABLE>
<CAPTION>
<S>                                                                                                              <C>
   SECTION 4.14 Subsidiaries.....................................................................................29
   -------------------------
   SECTION 4.15 Spin-off.........................................................................................29
   ---------------------
   SECTION 4.16 Primary Credit Agreements........................................................................29
   --------------------------------------
   SECTION 4.17 Indebtedness as of Funding Date..................................................................29
   --------------------------------------------

ARTICLE V. COVENANTS.............................................................................................29
--------------------

   SECTION 5.1 Information.......................................................................................29
   -----------------------
   SECTION 5.2 Inspection of Property, Books and Records.........................................................31
   -----------------------------------------------------
   SECTION 5.3 Existence; Conduct of Business....................................................................31
   ------------------------------------------
   SECTION 5.4 Notices of Material Events........................................................................32
   --------------------------------------
   SECTION 5.5 Use of Proceeds...................................................................................32
   ---------------------------
   SECTION 5.6 Consummation of Spin-off..........................................................................32
   ------------------------------------
   SECTION 5.7 Compliance with Laws; Payment of Taxes............................................................33
   --------------------------------------------------
   SECTION 5.8 Insurance.........................................................................................33
   ---------------------
   SECTION 5.9 Maintenance of Property...........................................................................33
   -----------------------------------
   SECTION 5.10 Transactions with Affiliates.....................................................................33
   -----------------------------------------
   SECTION 5.11 Payment Services Account.........................................................................33
   -------------------------------------
   SECTION 5.12 Cash Management Relationship.....................................................................33
   -----------------------------------------
   SECTION 5.13 Subsidiary Indebtedness..........................................................................34
   ------------------------------------
   SECTION 5.14 Negative Pledge..................................................................................34
   ----------------------------
   SECTION 5.15 Fundamental Changes..............................................................................35
   --------------------------------
   SECTION 5.16 Investments, Loan, Acquisitions, etc.............................................................36
   -------------------------------------------------
   SECTION 5.17 Restricted Payments..............................................................................36
   --------------------------------
   SECTION 5.18 Sale of Assets...................................................................................37
   ---------------------------
   SECTION 5.19 Hedging Agreements...............................................................................37
   -------------------------------
   SECTION 5.20 Amendment to Material Documents..................................................................37
   --------------------------------------------
   SECTION 5.21 Accounting Changes...............................................................................37
   -------------------------------
   SECTION 5.22 Leverage Ratio...................................................................................37
   ---------------------------
   SECTION 5.23 Fixed Charge Coverage Ratio......................................................................37
   ----------------------------------------
   SECTION 5.24 Indebtedness During Transition Period............................................................38
   --------------------------------------------------

ARTICLE VI. DEFAULTS.............................................................................................38
--------------------

   SECTION 6.1 Events of Default.................................................................................38
   -----------------------------

ARTICLE VII. MISCELLANEOUS.......................................................................................40
--------------------------

   SECTION 7.1 Notices...........................................................................................40
   -------------------
   SECTION 7.2 No Waivers........................................................................................41
   ----------------------
   SECTION 7.3 Expenses; Documentary Taxes.......................................................................41
   ---------------------------------------
   SECTION 7.4 Indemnification...................................................................................41
   ---------------------------
   SECTION 7.5 Amendments and Waivers............................................................................41
   ----------------------------------
   SECTION 7.6 Successors and Assigns; Participants..............................................................42
   ------------------------------------------------
   SECTION 7.7 Confidentiality...................................................................................43
   ---------------------------
   SECTION 7.8 Representation by the Lender......................................................................43
   ----------------------------------------
</TABLE>

                                       ii
<PAGE>

<TABLE>
<CAPTION>
<S>                                                                                                              <C>
   SECTION 7.9 Georgia Law.......................................................................................43
   -----------------------
   SECTION 7.10 Severability.....................................................................................43
   -------------------------
   SECTION 7.11 Interest.........................................................................................44
   ---------------------
   SECTION 7.12 Interpretation...................................................................................44
   ---------------------------
   SECTION 7.13 Waiver of Jury Trial; Consent to Jurisdiction....................................................45
   ----------------------------------------------------------
   SECTION 7.14 Arbitration......................................................................................45
   ------------------------
   SECTION 7.15 Counterparts.....................................................................................46
   -------------------------
   SECTION 7.16 Source of Funds -- ERISA.........................................................................46
   -------------------------------------
   SECTION 7.17 CCS Agreements and Acknowledgements..............................................................46
   ------------------------------------------------
</TABLE>

                                      iii
<PAGE>

EXHIBITS
--------

Exhibit A                  Form of Revolver Note
---------

Exhibit B                  Description of Cash Management Arrangement
---------

Exhibit C                  Form of Closing Certificate
---------

Exhibit D                  Form of Opinion of Special Counsel to Borrower
---------

Exhibit E                  Form of Opinion of General Counsel to Borrower
---------

SCHEDULES
---------

Schedule 4.5               Environmental Matters
------------

Schedule 4.14              Subsidiaries
-------------

Schedule 4.17              Funding Date Indebtedness
-------------

Schedule 5.13              Spin-off Date Indebtedness
-------------

Schedule 5.14              Existing Liens
-------------

                                       iv
<PAGE>

                                CREDIT AGREEMENT

                  THIS CREDIT AGREEMENT dated as of June 29, 2001, by and
between CERTEGY INC. (the "Company" or "Borrower"), a corporation organized
under the laws of Georgia, and FIRST UNION NATIONAL BANK, a national banking
association ("First Union" or "Lender").

                              STATEMENT OF PURPOSE

         The Borrower has requested that First Union provide the revolving
credit facility hereunder. The parties have agreed that the revolving credit
facility is to be governed by the terms and conditions of this Agreement.

         NOW, THEREFORE, in consideration of the premises and the agreements,
covenants and provisions herein contained and for TEN DOLLARS ($10.00) and other
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the Borrower and First Union hereby agree as follows:

                                   ARTICLE I.

                                   DEFINITIONS

         SECTION 1.1  Definitions. The terms as defined in this Section 1.1
                      -----------
shall, for all purposes of this Agreement and any amendment hereto (except as
herein otherwise expressly provided or unless the context otherwise requires),
have the meanings set forth herein:

                  "Acquisition" shall mean any acquisition, whether by stock
purchase, asset purchase, merger, consolidation or otherwise of a Person or a
business line of a Person.

                  "Adjusted Federal Funds Rate" has the meaning set forth in
Section 2.5(a).

                  "Affiliate" of any relevant Person means (i) any Person that
directly, or indirectly through one or more intermediaries, controls the
relevant Person (a "Controlling Person"), (ii) any Person (other than the
relevant Person or a Subsidiary of the relevant Person) which is controlled by
or is under common control with a Controlling Person, or (iii) any Person (other
than a Subsidiary of the relevant Person) of which the relevant Person owns,
directly or indirectly, 20% or more of the common stock or equivalent equity
interests. As used herein, the term "control" means possession, directly or
indirectly, of the power to

                                       1
<PAGE>

direct or cause the direction of the management or policies of a Person, whether
through the ownership of voting securities, by contract or otherwise.

                  "Agreement" means this Credit Agreement, together with all
amendments and supplements hereto.

                  "Applicable Law" means all applicable provisions of
constitutions, laws, statutes, treaties, rules, regulations and orders of all
Governmental Authorities and all orders and decrees of all courts and
arbitrators.

                  "Assignee" has the meaning set forth in Section 7.6(c).

                  "Authorized Officer" means (i) any of the following officers
of the Borrower: president, chief executive officer, vice presidents, chief
financial officer, chief operating officer, treasurer, and controller, and (ii)
any other officers of the Borrower as the Borrower may notify the Lender in
writing from time to time.

                  "Borrower" shall have the meaning assigned thereto in the
preamble hereof.

                  "Borrowing" means a borrowing hereunder consisting of
Revolving Loans made to the Borrower by the Lender.

                  "Business Day" means any day except a Saturday, Sunday or
other day on which commercial banks in Georgia or North Carolina are authorized
by law to close.

                  "Capital Lease Obligations" of any Person shall mean all
obligations of such Person to pay rent or other amounts under any lease (or
other arrangement conveying the right to use) real or personal property, or a
combination thereof, which obligations are required to be classified and
accounted for as capital leases on a balance sheet of such Person under GAAP,
and the amount of such obligations shall be the capitalized amount thereof
determined in accordance with GAAP.

                  "Capital Stock" means any nonredeemable capital stock of a
Person (to the extent issued to another Person), whether common or preferred.

                  "Cash Management Arrangement" means the cash management and
line of credit product of the Lender provided to the Borrower and CCS as
described in Exhibit B hereto (as such Exhibit may be modified, amended or
             ---------
replaced from time to time), as such product may be altered, amended or modified
from time to time, together with any agreement now existing or hereafter entered
into between the Lender (or any of its affiliates) and the Borrower and/or CCS,
and any service now or hereafter provided by the Lender (or any of its
affiliates) to or on behalf of the Borrower and/or CCS in connection therewith,
and any similar product of the Lender (or any of its affiliates) agreed to by
the Borrower as

                                       2
<PAGE>

providing the operational means of implementing the Borrower's usage of the
Revolver and Revolving Loans thereunder and providing the mechanism for payment
to the Lender of the Obligations arising under or in connection with the
Revolver and the Revolving Loans thereunder.

                  "CCS" means Equifax Card Services, Inc., a corporation
organized under the laws of Florida, whose name will be changed to Certegy Card
Services, Inc. as part of the Spin-off.

                  "CERCLA" means the Comprehensive Environmental Response
Compensation and Liability Act, 42 U.S.C. s.s 9601 et. seq. and its implementing
regulations and amendments.

                  "CERCLIS" means the Comprehensive Environmental Response
Compensation and Liability Inventory System established pursuant to CERCLA.

                  "Change in Control" shall mean the occurrence after the
Spin-off Closing Date of one or more of the following events: (a) any sale,
lease, exchange or other transfer (in a single transaction or a series of
related transactions) of all or substantially all of the assets of the Borrower
to any Person or "group" (within the meaning of the Securities Exchange Act of
1934 and the rules of the Securities and Exchange Commission thereunder in
effect on the date hereof), (b) the acquisition of ownership, directly or
indirectly, beneficially or of record, by any Person or "group" (within the
meaning of the Securities Exchange Act of 1934 and the rules of the Securities
and Exchange Commission thereunder as in effect on the date hereof) of 30% or
more of the outstanding shares of the voting stock of the Borrower; or (c)
occupation of a majority of the seats (other than vacant seats) on the board of
directors of the Borrower by Persons who were neither (i) nominated by the
current board of directors (as in effect immediately after the consummation of
the Spin-off) or (ii) appointed by directors so nominated.

                  "Closing Certificate" has the meaning set forth in Section
3.1(h).

                  "Code" means the Internal Revenue Code of 1986, as amended, or
any successor Federal tax code.

                  "Commitment" means the Commitment of the Lender to make
Revolving Loans under the Revolver in an aggregate outstanding principal amount
not to exceed at any time One Hundred Thirty Million Dollars ($130,000,000).

                  "Company" shall have the meaning assigned thereto in the
preamble hereto.

                  "Consolidated EBIT" shall mean, for the Borrower and its
Subsidiaries for any period, an amount equal to the sum of (a) Consolidated Net
Income for such period plus (b) to the extent deducted in determining
Consolidated Net Income for such period, (i) Consolidated Interest

                                       3
<PAGE>

Expense, (ii) income tax expense and (iii) all other non-cash charges,
determined on a consolidated basis in accordance with GAAP in each case for such
period.

                  "Consolidated EBITDA" shall mean, for the Borrower and its
Subsidiaries for any period, an amount equal to the sum of (a) Consolidated Net
Income for such period plus (b) to the extent deducted in determining
Consolidated Net Income for such period, (i) Consolidated Interest Expense, (ii)
income tax expense, (iii) depreciation and amortization and (iv) all other
non-cash charges, determined on a consolidated basis in accordance with GAAP in
each case for such period.

                  "Consolidated EBITDAR" shall mean, for the Borrower and its
Subsidiaries for any period, an amount equal to the sum of (a) Consolidated
EBITDA and (b) Consolidated Lease Expense.

                  "Consolidated Fixed Charges" shall mean, for the Borrower and
its Subsidiaries for any period, the sum (without duplication) of (a)
Consolidated Interest Expense for such period and (b) Consolidated Lease Expense
for such period.

                  "Consolidated Interest Expense" shall mean, for the Borrower
and its Subsidiaries for any period determined on a consolidated basis in
accordance with GAAP, the sum of (i) total interest expense, including without
limitation the interest component of any payments in respect of Capital Lease
Obligations capitalized or expensed during such period (whether or not actually
paid during such period) plus (ii) the net amount payable (or minus the net
amount receivable) under Hedging Agreements during such period (whether or not
actually paid or received during such period).

                  "Consolidated Lease Expense" shall mean, for any period, the
aggregate amount of fixed and contingent rentals payable by the Borrower and its
Subsidiaries with respect to leases of real and personal property (excluding
Capital Lease Obligations) determined on a consolidated basis in accordance with
GAAP for such period.

                  "Consolidated Net Income" shall mean, for any period, the net
income (or loss) of the Borrower and its Subsidiaries for such period determined
on a consolidated basis in accordance with GAAP, but excluding therefrom (to the
extent otherwise included therein) (i) any extraordinary gains or losses, (ii)
any gains attributable to write-ups of assets and (iii) any equity interest of
the Borrower or any Subsidiary of the Borrower in the unremitted earnings of any
Person that is not a Subsidiary and (iv) any income (or loss) of any Person
accrued prior to the date it becomes a Subsidiary or is merged into or
consolidated with the Borrower or any Subsidiary on the date that such Person's
assets are acquired by the Borrower or any Subsidiary.

                  "Consolidated Subsidiary" shall mean, at any date, any Person
that, in accordance with GAAP, would be consolidated in the Borrower's
consolidated financial statements on such date.

                  "Consolidated Total Assets" shall mean, at any time, the total
assets of the Borrower and is Consolidated Subsidiaries, determined on a
consolidated basis, in accordance with GAAP.

                                       4
<PAGE>

                  "Consolidated Total Debt" shall mean, at any time, without
duplication, the sum of (i) all then currently outstanding obligations,
liabilities and indebtedness of the Borrower and its Subsidiaries on a
consolidated basis of the types described in the definition of Indebtedness
(other than the type described in clause (xi) of the definition thereof),
including, but not limited to, all obligations under the Loan Documents and the
Primary Credit Agreements plus (ii) all Indebtedness of any Permitted
Securitization Subsidiary.

                  "Default" means any condition or event which constitutes an
Event of Default or which with the giving of notice or lapse of time or both
would, unless cured or waived, become an Event of Default.

                  "Default Rate" means, with respect to the Revolving Loans, on
any day, the sum of two percent (2%) plus the then highest Interest Rate which
may be applicable to the Revolving Loans hereunder (irrespective of whether any
such type of Revolving Loans are actually outstanding hereunder).

                  "Distribution Agreement" means that certain Distribution
Agreement Plan of Reorganization and Distribution between the Borrower and
Equifax, substantially in the form attached to the Form 10 Filing.

                  "Dollars" or "$" means dollars in lawful currency of the
United States of America.

                  "Environmental Laws" shall mean all laws, rules, regulations,
codes, ordinances, orders, decrees, judgments, injunctions, notices or binding
agreements issued, promulgated or entered into by or with any Governmental
Authority, relating in any way to the environment, preservation or reclamation
of natural resources, the management, Release or threatened Release of any
Hazardous Material or to health and safety matters.

                  "Environmental Liability" shall mean any liability, contingent
or otherwise (including any liability for damages, costs of environmental
investigation and remediation, costs of administrative oversight, fines, natural
resource damages, penalties or indemnities), of the Borrower or any Subsidiary
directly or indirectly resulting from or based upon (a) any actual or alleged
violation of any Environmental Law, (b) the generation, use, handling,
transportation, storage, treatment or disposal of any Hazardous Materials, (c)
any actual or alleged exposure to any Hazardous Materials, (d) the Release or
threatened Release of any Hazardous Materials or (e) any contract, agreement or
other consensual arrangement pursuant to which liability is assumed or imposed
with respect to any of the foregoing.

                  "Equifax" means Equifax Inc., a Georgia corporation.

                  "Equifax Credit Agreement" means that certain Credit
Agreement, dated as of December 22, 1997, between Equifax and the Lender, as
amended.

                                       5
<PAGE>

                  "ERISA" means the Employee Retirement Income Security Act of
1974, as amended from time to time, or any successor law. Any reference to any
provision of ERISA shall also be deemed to be a reference to any successor
provision or provisions thereof.

                  "ERISA Affiliate" shall mean any trade or business (whether or
not incorporated), which, together with the Borrower, is treated as a single
employer under Section 414(b) or (c) of the Code or, solely for the purposes of
Section 302 of ERISA and Section 412 of the Code, is treated as a single
employer under Section 414 of the Code

                  "ERISA Event" shall mean (a) any "reportable event", as
defined in Section 4043 of ERISA or the regulations issued thereunder with
respect to a Plan (other than an event for which the 30-day notice period is
waived and other than an event triggered by the Spin-off); (b) the existence
with respect to any Plan of an "accumulated funding deficiency" (as defined in
Section 412 of the Code or Section 302 of ERISA), whether or not waived; (c) the
filing pursuant to Section 412(d) of the Code or Section 303(d) of ERISA of an
application for a waiver of the minimum funding standard with respect to any
Plan; (d) the incurrence by the Borrower or any of its ERISA Affiliates of any
liability under Title IV of ERISA with respect to the termination of any Plan;
(e) the receipt by the Borrower or any ERISA Affiliate from the PBGC or a plan
administrator appointed by the PBGC of any notice relating to an intention to
terminate any Plan or Plans or to appoint a trustee to administer any Plan; (f)
the incurrence by the Borrower or any of its ERISA Affiliates of any liability
with respect to the withdrawal or partial withdrawal from any Plan or
Multiemployer Plan; or (g) the receipt by the Borrower or any ERISA Affiliate of
any notice, or the receipt by any Multiemployer Plan from the Borrower or any
ERISA Affiliate of any notice, concerning the imposition of Withdrawal Liability
or a determination that a Multiemployer Plan is, or is expected to be, insolvent
or in reorganization, within the meaning of Title IV of ERISA.

                  "Event of Default" has the meaning set forth in Section 6.1.

                  "Execution Date" means the date of this Agreement.

                  "Federal Funds Rate" means, for any day, the rate per annum
(rounded upwards, if necessary, to the nearest 1/100th of one percent (1%))
equal to the weighted average of the rates on overnight federal funds
transactions with member banks of the Federal Reserve System arranged by federal
funds brokers, as published for such day (or if such day is not a Business Day,
then on the next preceding Business Day) by the Federal Reserve Bank of Atlanta,
or if such rate is not so published for any day which is a Business Day, then
the average of the quotations for such day on such transactions received by
First Union from three federal funds brokers of recognized standing selected by
First Union.

                  "First Union" shall have the meaning assigned thereto in the
preamble hereto.

                  "Fiscal Quarter" means any fiscal quarter of the Borrower.

                                       6
<PAGE>

                  "Fiscal Year" means any fiscal year of the Borrower.

                  "Fixed Charge Coverage Ratio" shall mean, for any period of
four consecutive fiscal quarters of the Borrower, the ratio of (a) Consolidated
EBITDAR for such period to (b) Consolidated Fixed Charges for such period. For
fiscal quarters ending prior to the Spin-off Closing Date relevant to the
calculation of this ratio, pro forma effect shall be given to the Spin-off.

                  "Form 10 Filing" shall mean the registration statement on Form
10 filed by the Borrower with the Securities and Exchange Commission in respect
of the Spin-off on April 3, 2001, as amended on May 18, 2001 and June 11, 2001.

                  "Funding Date" has the meaning set forth in Section 3.1.

                  "GAAP" means generally accepted accounting principles applied
on a basis consistent with those which, in accordance with Section 1.2, are to
be used in making the calculations for purposes of determining compliance with
the terms of this Agreement.

                  "Governmental Authority" means any nation, province, state or
political subdivision thereof, and any government or any Person exercising
executive, legislative, regulatory or administrative functions of or pertaining
to government, and any corporation or other entity owned or controlled, through
stock or capital ownership or otherwise, by any of the foregoing.

                  "Guarantee" of or by any Person (the "guarantor") shall mean
any legally binding obligation, contingent or otherwise, of the guarantor
guaranteeing or having the economic effect of guaranteeing any Indebtedness or
other obligation of any other Person (the "primary obligor") in any manner,
whether directly or indirectly and including any obligation, direct or indirect,
of the guarantor (a) to purchase or pay (or advance or supply funds for the
purchase or payment of) such Indebtedness or other obligation or to purchase (or
to advance or supply funds for the purchase of) any security for the payment
thereof, (b) to purchase or lease property, securities or services for the
purpose of assuring the owner of such Indebtedness or other obligation of the
payment thereof, (c) to maintain working capital, equity capital or any other
financial statement condition or liquidity of the primary obligor so as to
enable the primary obligor to pay such Indebtedness or other obligation or (d)
as an account party in respect of any letter of credit or letter of guaranty
issued in support of such Indebtedness or obligation; provided, that the term
                                                      --------
"Guarantee" shall not include endorsements for collection or deposits in the
ordinary course of business. The amount of any Guarantee shall be deemed to be
an amount equal to the stated or determinable amount of the primary obligation
in respect of which Guarantee is made or, if not so stated or determinable, the
maximum reasonably anticipated liability in respect thereof (assuming such
Person is required to perform thereunder) as determined by such Person in good
faith. The term "Guarantee" used as a verb has a corresponding meaning.

                                       7
<PAGE>

                  "Hazardous Materials" means all explosive or radioactive
substances or wastes and all hazardous or toxic substances, wastes or other
pollutants, including petroleum or petroleum distillates, asbestos or asbestos
containing materials, polychlorinated biphenyls, radon gas, infectious or
medical wastes and all other substances or wastes of any nature regulated
pursuant to any Environmental Law.

                  "Hedging Agreements" shall mean interest rate swap, cap or
collar agreements, interest rate future or option contracts, currency swap
agreements, currency future or option contracts, commodity agreements and other
similar agreements or arrangements designed to protect against fluctuations in
interest rates, currency values, stock values or commodity values.

                  "Indebtedness" of any Person shall mean, without duplication
(i) obligations of such person for borrowed money, (ii) obligations of such
person evidenced by bonds, debentures, notes or other similar instruments, (iii)
obligations of such person in respect of the deferred purchase price of property
or services (other than trade payables incurred in the ordinary course of
business on terms customary in the trade), (iv) obligations of such Person under
any conditional sale or other title retention agreement(s) relating to property
acquired by such Person, (v) Capital Lease Obligations of such Person, (vi)
obligations, contingent or otherwise, of such person in respect of letters of
credit, acceptances or similar extensions of credit, (vii) guaranties by such
Person of the type of indebtedness described in clauses (i) through (v) above,
(viii) all indebtedness of a third party secured by any Lien on property owned
by such Person, whether or not such indebtedness has been assumed by such
Person, (ix) all obligations of such Person, contingent or otherwise, to
purchase, redeem, retire or otherwise acquire for value any common stock of such
Person, (x) off-balance sheet liability retained in connection with asset
securitization programs, Synthetic Leases, sale and leaseback transactions or
other similar obligations arising with respect to any other transaction which is
the functional equivalent of or takes the place of borrowing but which does not
constitute a liability on the consolidated balance sheet of such Person and its
Subsidiaries, and (xi) obligations under any interest rate Hedging Agreement or
foreign exchange agreement. For purposes of determining Indebtedness under
clause (xi) the obligations of the Borrower or any Subsidiary in respect to any
hedge agreement or foreign exchange agreement at any time shall be the maximum
aggregate amount (giving effect to any netting agreements) that the Borrower or
such subsidiary would be required to pay if such hedging agreement were
terminated at such time.

                  "Information Statement" means that certain Preliminary
Information Statement filed as Exhibit 99.1 to the Form 10 Filing.

                  "Intercompany Loans" means the simultaneous intercompany loans
made by the Borrower to CCS with the proceeds of each Revolving Loan advance
hereunder, for the sole purpose of allowing CCS to finance working capital needs
caused by daily funding requirements associated with the CCS credit and debit
card operations.

                                       8
<PAGE>

                  "Interest Rate" means the Prime Rate, the Adjusted Federal
Funds Rate or the LIBOR Rate as determined pursuant to Section 2.5(a).

                  "Investment" means any investment in any Person, whether by
means of purchase or acquisition of obligations or securities of such Person,
capital contribution to such Person, making of a time deposit with such Person,
Guarantee or assumption of any obligation of such Person or otherwise.

                  "Lender" shall have the meaning assigned thereto in the
preamble hereof.

                  "Lending Office" means Lender's office located at its address
set forth on the signature pages hereof or such other office as such Lender may
hereafter designate as its Lending Office by notice to the Borrower.

                  "Leverage Ratio" shall mean, as of any date of determination
with respect to the Borrower, the ratio of (i) Consolidated Total Debt as of
such date to (ii) Consolidated EBITDA for the four fiscal quarters then ending.
For fiscal quarters ending prior to the Spin-off Closing Date relevant to the
calculation of this ratio, pro forma effect shall be given to the Spin-off.

                  "LIBOR" means the LIBOR Market Index Rate which, for any day,
is the rate for one month Dollar deposits as reported on Telerate page 3750 as
of 11:00 a.m., London time, on such day, provided that if such day is not a
                                         --------
London Business Day, on the immediately preceding London Business Day (or if not
so reported, then as determined by First Union from another recognized source or
interbank quotation).

                  "LIBOR Rate" has the meaning set forth in Section 2.5(a).

                  "Lien" shall mean any mortgage, pledge, security interest,
lien (statutory or otherwise), charge, encumbrance, hypothecation, assignment,
deposit arrangement, or other arrangement having the practical effect of the
foregoing or any preference, priority or other security agreement or
preferential arrangement of any kind or nature whatsoever (including any
conditional sale or other title retention agreement and any capital lease having
the same economic effect as any of the foregoing).

                  "Loan" shall mean any Revolving Loan.

                  "Loan Documents" means this Agreement, the Note, the Side
Letter, and any other document evidencing, relating to or securing the Revolving
Loans, and any other document or instrument delivered by Borrower or any
Subsidiary from time to time in connection with this Agreement, the Note, or the
Revolving Loans, as such documents and instruments may be amended or
supplemented from time to time.

                                       9
<PAGE>

                  "London Business Day" means any Business Day on which dealings
in Dollar deposits are conducted in the London interbank market.

                  "Margin Stock" means "margin stock" as defined in Regulations
T, U or X.

                  "Material Adverse Effect" means, with respect to any event,
act, condition or occurrence of whatever nature (including any adverse
determination in any litigation, arbitration, or governmental investigation or
proceeding), whether singly or in conjunction with any other event or events,
act or acts, condition or conditions, occurrence or occurrences whether or not
related, a material adverse change in, or a material adverse effect on, (i) the
business, results of operations, financial condition, assets or liabilities of
the Borrower and its Subsidiaries taken as a whole, (ii) the ability of the
Borrower or any Subsidiary to perform any of their respective obligations under
the Loan Documents, (iii) the rights and remedies of the Lender under any of the
Loan Documents or (iv) the legality, validity or enforceability of any of the
Loan Documents.

                  "Material Subsidiary" shall mean at any time any direct or
indirect Subsidiary of the Borrower having: (a) assets in an amount equal to at
least 5% of the total assets of the Borrower and its Subsidiaries determined on
a consolidated basis as of the last day of the most recent fiscal quarter of the
Borrower at such time; or (b) revenues or net income in an amount equal to at
least 5% of the total revenues or net income of the Borrower and its
Subsidiaries on a consolidated basis for the 12-month period ending on the last
day of the most recent fiscal quarter of the Borrower at such time.

                  "Multiemployer Plan" shall have the meaning set forth in
Section 4001(a)(3) of ERISA.

                  "Note" means the Revolver Note.

                  "Notice of Election" has the meaning set forth in Section
2.5(a).

                  "Obligation" means, in each case, whether now in existence or
hereafter arising: (i) the principal of and interest on (including interest
accruing after the filing of any bankruptcy or similar petition) the Revolving
Loans, and (ii) all other fees and commissions (including attorney's fees),
charges, Indebtedness, loans, liabilities, obligations, covenants and duties
owing by Borrower to the Lender under or in respect of this Agreement, the Note
or any of the other Loan Documents, of every kind, nature and description,
direct or indirect, absolute or contingent, due or to become due, contractual or
tortious, liquidated or unliquidated, and whether or not evidenced by any note,
and whether or not for the payment of money.

                  "Other Taxes" has the meaning set forth in Section 2.9(b).

                  "Participant" has the meaning set forth in Section 7.6(b).

                                       10
<PAGE>

                  "Payment Services Account" shall mean the demand deposit
account established by CCS with First Union pursuant to that certain Deposit
Agreement and Disclosures for Non-Personal Account between CCS and First Union,
having account number 2090002523289, together with such other demand deposit
account, if any, hereafter established by CCS with First Union and designated in
writing by the Borrower, CCS and First Union as the Payment Services Account.

                  "Payment Services Business" means the Certegy Business (as
defined in the Distribution Agreement).

                  "PBGC" means the Pension Benefit Guaranty Corporation or any
entity succeeding to any or all of its functions under ERISA.

                  "Permitted Acquisitions" shall mean any Acquisition so long as
(a) at the time of such Acquisition, no Default or Event of Default is in
existence, (b) such acquisition has been approved or recommended by the board of
directors of the Person being, and (c) the Total Acquisition Consideration of
such Acquisition, when aggregated with the Total Acquisition Consideration of
all Acquisitions consummated by the Borrower and its Consolidated Subsidiaries
during the preceding 12 month period does not exceed $100,000,000.

                  "Permitted Investments" shall mean:

                  (i)    direct obligations of, or obligations the principal of
         and interest on which are unconditionally guaranteed by, the United
         States (or by any agency thereof to the extent such obligations are
         backed by the full faith and credit of the United States), in each case
         maturing within one year from the date of acquisition thereof;

                  (ii)   commercial paper having the highest rating, at the time
         of acquisition thereof, of S&P or Moody's and in either case maturing
         within six months from the date of acquisition thereof;

                  (iii)  certificates of deposit, bankers' acceptances and time
         deposits maturing within 180 days of the date of acquisition thereof
         issued or guaranteed by or placed with, and money market deposit
         accounts issued or offered by, any domestic office of any commercial
         bank organized under the laws of the United States or any state thereof
         which has a combined capital and surplus and undivided profits of not
         less than $500,000,000;

                  (iv)   fully collateralized repurchase agreements with a term
         of not more than 30 days for securities described in clause (i) above
         and entered into with a financial institution satisfying the criteria
         described in clause (iii) above; and

                  (v)    mutual funds investing solely in any one or more of the
         Permitted Investments described in clauses (i) through (iv) above.

                                       11
<PAGE>

                  "Permitted Purpose" means the making by the Borrower of
Intercompany Loans to CCS in the amount of, and immediately upon receipt of, any
and all proceeds of each Revolving Loan funded to the Payment Services Account.

                  "Permitted Securitization Subsidiary" shall mean any
Subsidiary of the Borrower that (i) is directly or indirectly wholly-owned by
the Borrower, (ii) is formed and operated solely for purposes of a Permitted
Securitization Transaction, (iii) has organizational documents which limit the
permitted activities of such Permitted Securitization Subsidiary to the
acquisition of accounts receivable and related rights from the Borrower or one
or more of its Consolidated Subsidiaries or another Permitted Securitization
Subsidiary, the securitization or other financing of such accounts receivable
and related rights and activities necessary or incidental to the foregoing and
(iv) such Permitted Securitization Subsidiary shall at all times be subject to
each of the following: (A) it shall have at least one (1) member, manager,
director or other similar person whose affirmative vote is required to permit
such person to file a voluntary bankruptcy proceeding or to amend its formation
documents, which member, manager, director or other similar person is not
affiliated with the Borrower or any of its Consolidated Subsidiaries or a
current or prior officer, director or employee of any of them, (B) it shall not
be permitted to incur any Indebtedness other than the Indebtedness related to
the Permitted Securitization Transaction, unless such Indebtedness is
non-recourse to such Permitted Securitization Subsidiary and is subordinated to
the Indebtedness incurred in connection with the Permitted Securitization
Transaction, (C) it will not be permitted to merge or consolidate with any
person other than another Permitted Securitization Subsidiary and (D) its
formation documents shall contain and it shall be subject to such restrictive
covenants relating to its operations as shall be required by independent counsel
in order for such counsel to deliver a reasoned, market-standard
"non-consolidation" opinion.

                  "Permitted Securitization Transaction" shall mean the transfer
by Borrower or one or more of its Consolidated Subsidiaries of receivables and
rights related thereto to one or more Permitted Securitization Subsidiaries and
the related financing of such receivables and rights related thereto; provided
                                                                      --------
that (i) such transaction is non-recourse to Borrower and its Consolidated
Subsidiaries (excluding any related Permitted Securitization Subsidiary), except
for Standard Securitization Undertakings and (ii) the aggregate total amount of
all Indebtedness outstanding to third parties under all Permitted Securitization
Transactions shall not exceed $120,000,000 in the aggregate at any time.

                  "Person" means an individual, a corporation, a limited
liability company, a partnership, an unincorporated association, a trust or any
other entity or organization, including, but not limited to, a government or
political subdivision or an agency or instrumentality thereof.

                  "Plan" means any employee pension benefit plan (other than a
Multiemployer Plan) subject to the provisions of Title IV of ERISA or Section
412 of the Code or Section 302 of ERISA, and in respect of which the Borrower or
any ERISA Affiliate is (or, if such plan were

                                       12
<PAGE>

terminated, would under Section 4069 of ERISA be deemed to be) an "employer" as
defined in Section 3(5) of ERISA.

                  "Primary Credit Agreements" means that certain Revolving
Credit Agreement dated as of June 25, 2001, by and among the Borrower, its
Wholly Owned Subsidiaries which become a party thereto from time to time,
SunTrust Bank, as agent, and the banks listed on the signature pages thereof,
and that certain 364-Day Credit Agreement dated as of June 25, 2001, by and
among the Borrower, its Wholly Owned Subsidiaries which become a party thereto
from time to time, SunTrust Bank, as agent, and the banks listed on the
signature pages thereof, as each may be amended, supplemented or restated from
time to time.

                  "Prime Rate" means that rate announced from time to time by
First Union as its Prime Rate and is one of several interest rate bases used by
First Union. First Union lends at rates above and below the Prime Rate, and the
Prime Rate is not represented or intended to be the lowest or most favorable
rate of interest offered by First Union.

                  "Principal Officer" means any of the Authorized Officers or
the General Counsel of the Borrower.

                  "Properties" means all real property owned, leased or
otherwise used or occupied by Borrower or any Consolidated Subsidiary, wherever
located.

                  "Rating Agencies" shall mean Moody's Investors Service, Inc.
and Standard & Poor's.

                  "Regulation T" means Regulation T of the Board of Governors of
the Federal Reserve System, as in effect from time to time, together with all
official rulings and interpretations issued thereunder.

                  "Regulation U" means Regulation U of the Board of Governors of
the Federal Reserve System, as in effect from time to time, together with all
official rulings and interpretations issued thereunder.

                  "Regulation X" means Regulation X of the Board of Governors of
the Federal Reserve System, as in effect from time to time, together with all
official rulings and interpretations issued thereunder.

                  "Release" means any release, spill, emission, leaking,
dumping, injection, pouring, deposit, disposal, discharge, dispersal, leaching
or migration into the environment (including ambient air, surface water,
groundwater, land surface or subsurface strata) or within any building,
structure, facility or fixture.

                                       13
<PAGE>

                  "Renewal Fee" means, for any renewal term of this Agreement,
the renewal fee agreed to by the Borrower and the Lender prior to the first day
of such renewal term, and payable by the Borrower on such day.

                  "Restricted Investments" shall mean Investments in joint
ventures and in Subsidiaries which are not Consolidated Subsidiaries.

                  "Revolver" means the revolving credit facility extended to the
Borrower pursuant to Section 2.1 in the aggregate outstanding principal amount
not to exceed at any time ONE HUNDRED THIRTY MILLION DOLLARS ($130,000,000).

                  "Revolving Loan" means any loan or advance made by First Union
pursuant to Section 2.1 of this Agreement.

                  "Revolver Note" has the meaning set forth in Section 2.3.

                  "Senior Debt Rating" shall mean the credit ratings (including
indicative ratings if no actual debt has been rated) assigned from time to time
by either of the Rating Agencies to the senior, unsecured long-term debt
securities of the Borrower without third-party credit enhancement, whether or
not any such debt securities are actually outstanding, and any rating assigned
to any other debt security of the Borrower shall be disregarded. The rating in
effect on any date is that in effect at the close of business on such date. If
the Borrower is split-rated and (i) the ratings differential is one category,
the higher of the two ratings will apply or (ii) the ratings differential is
more than one category, the rate shall be determined by reference to the
category next above that of the lower of the two ratings.

                  "Spin-off" means the distribution by Equifax on a tax-free
basis of all of the shares of the Borrower's common stock to Equifax's
shareholders pursuant to a pro rata distribution to all shareholders, except
shareholders who waive their rights to such distribution and except to the
extent of fractional shares.

                  "Spin-off Closing Date" means the date on which the Spin-off
occurs.

                  "Standard Securitization Undertakings" shall mean any
obligations and undertakings of the Borrower and any Consolidated Subsidiary
consisting of representations, warranties, covenants, and indemnities standard
in securitization transactions and related servicing of receivables.

                  "Subsidiary" means any corporation or other entity of which
securities or other ownership interests having ordinary voting power to elect a
majority of the board of directors or other persons performing similar functions
are at the time directly or indirectly owned by the Borrower.

                                       14
<PAGE>

                  "Synthetic Lease" shall mean any synthetic lease, tax
retention operating lease or similar off-balance sheet financing product where
such transaction is considered borrowed money indebtedness for tax purposes but
is classified as an operating lease under GAAP.

                  "Synthetic Lease Obligations" means any and all liabilities,
indebtedness, rent, and all other obligations of the Borrower or any
Consolidated Subsidiary owed under any Synthetic Lease.

                  "Taxes" has the meaning set forth in Section 2.9(a).

                  "Termination Date" initially means the date which is the 364th
day after the Funding Date, provided, that (i) if the Termination Date would
                            --------
otherwise fall on a day which is not a Business Day, then the Termination Date
will be the Business Day occurring immediately prior to such day, and (ii) the
Termination Date then in effect shall automatically be extended to the date
which is 364 days after such Termination Date then in effect if (a) the Borrower
provides at least sixty (60) days' prior written notice to the Lender, but no
greater than 120 days' prior written notice to the Lender, of the Borrower's
intention to so extend the term of this Revolver for an additional 364 days, and
(b) the Lender, in its sole and absolute discretion, provides, within the later
of (x) thirty (30) days of the receipt by the Lender of the Borrower's notice of
extension and (y) the first occurrence of April 15 after the giving of the
Borrower's notice of extension, written notice to the Borrower of the Lender's
agreement to such extension.

                  "Total Acquisition Consideration" shall mean as at the date of
any Acquisition, the sum of the following without duplication: (i) the amount of
any cash and fair market value of other property given as consideration,
including at such date the deferred payment of any such amounts, (ii) the amount
(determined by using the outstanding amount or the amount payable at maturity,
whichever is greater) of any obligations for money borrowed incurred, assumed or
acquired by the Borrower or any Subsidiary in connection with such Acquisition,
(iii) all amounts paid in respect of covenants not to compete and consulting
agreements that should be recorded on the financial statements of the Borrower
and its Subsidiaries in accordance with GAAP, and (iv) the aggregate fair market
value of all other consideration given by the Borrower or any Subsidiary
(including any shares of capital stock of the Borrower or any Subsidiary) in
connection with such Acquisition.

                  "Transferee" has the meaning set forth in Section 7.6(d).

                  "Upfront Fee" means the non-refundable upfront/renewal fee
equal to (i) 0.10% multiplied by (ii) the maximum amount of the Commitment,
payable by the Borrower on the date set forth in Section 2.6(b).

                  "Wholly Owned Subsidiary" means any Subsidiary all of the
shares of capital stock or other ownership interests of which (except directors'
qualifying shares, or, in the case of any Subsidiary which is not organized or
created under the laws of the United States of America

                                       15
<PAGE>

or any political subdivision thereof, such nominal ownership interests which are
required to be held by third parties under the laws of the foreign jurisdiction
under which such Subsidiary was incorporated or organized) are at the time
directly or indirectly owned by the Borrower.

         SECTION 1.2  Accounting Terms and Determinations. Unless otherwise
                      -----------------------------------
defined or specified herein, all accounting terms used herein shall be
interpreted, all accounting determinations hereunder shall be made, and all
financial statements required to be delivered hereunder shall be prepared, in
accordance with GAAP as in effect from time to time, applied on a basis
consistent (except for such changes approved by the Borrower's independent
public accountants) with the most recent audited consolidated financial
statement of the Borrower delivered pursuant to Section 4.4(a); provided, that
                                                                --------
if the Borrower notifies the Lender that the Borrower wishes to amend either
Section 5.22 or Section 5.23 to eliminate the effect of any change in GAAP on
the operation of such covenant (or if the Lender notifies the Borrower that it
wishes to amend Section 5.22 or Section 5.23 for such purpose), then the
Borrower's compliance with such covenant shall be determined on the basis of
GAAP in effect immediately before the relevant change in GAAP became effective,
until either such notice is withdrawn or such covenant is amended in a manner
satisfactory to the Borrower and the Lender.

         SECTION 1.3  References. Unless otherwise indicated, references in this
                      ----------
Agreement to "Articles", "Exhibits", "Schedules", "Sections" and other
Subdivisions are references to articles, exhibits, schedules, sections and other
subdivisions hereof.

         SECTION 1.4  Use of Defined Terms. All terms defined in this Agreement
                      --------------------
have the same defined meanings when used in any of the other Loan Documents,
unless otherwise defined therein or unless the context shall require otherwise.

         SECTION 1.5  Terminology. All personal pronouns used in this Agreement,
                      -----------
whether used in the masculine, feminine or neuter gender, shall include all
other genders; the singular includes the plural, and the plural shall include
the singular. Titles of Articles and Sections in this Agreement are for
convenience only, and neither limit nor amplify the provisions of this
Agreement. As used in this Agreement and in any certificate delivered pursuant
to Sections 3.1 and 5.1, "knowledge" and "becomes aware" or words of similar
meaning shall mean, with respect to the Borrower or any Subsidiary, that a
Principal Officer has actual knowledge of such matters.

                                  ARTICLE II.

                                 CREDIT FACILITY

         SECTION 2.1  Revolving Loans. Subject to the terms and conditions of
                      ---------------
this Agreement, First Union agrees to make Revolving Loans to the Borrower from
time to time from the Funding Date until the Termination Date in accordance with
the terms of Section 2.2; provided, that the aggregate outstanding principal
                          --------
balance of the Revolving Loans, after giving

                                       16
<PAGE>

effect to any amount requested, shall not exceed the Commitment. If at any time
First Union shall make Revolving Loans to the Borrower such that the aggregate
amount of Revolving Loans outstanding hereunder exceeds the Commitment, such
Revolving Loans shall nonetheless constitute Obligations hereunder. Subject to
the terms and conditions hereof, the Borrower may borrow, repay and reborrow
Revolving Loans hereunder until the Termination Date.

         SECTION 2.2  Borrowing, Investment Procedures Under Cash Management
                      ------------------------------------------------------
Arrangement.
-----------

         (a) Borrower may borrow Revolving Loans under the Revolver only
pursuant to the Cash Management Arrangement, and only for the Permitted Purpose.
In addition to the rules set forth on Exhibit B, the Cash Management Arrangement
                                      ---------
will operate as follows:

                  (i)    Borrower will cause CCS to (x) maintain with the Lender
the Payment Services Account from which charges or debits against the Payment
Services Account will be funded as provided below, and (y) cause all card holder
payments for its credit card processing operations, and all remittances due to
CCS from its account debtors, received by or on behalf of CCS (whether forwarded
by such payors to a lockbox maintained with the Lender or with another financial
institution, or as otherwise received by or on behalf of CCS) to be deposited in
the Payment Services Account promptly following receipt thereof;

                  (ii)   Subject to the satisfaction of each of the conditions
precedent set forth in Section 3.3, the Lender will automatically fund (rounded
up to the nearest $1,000) as a Revolving Loan under the Revolver for the
Permitted Purpose (and thereby as a deemed Intercompany Loan from the Borrower
to CCS) any charges or debits against the Payment Services Account to the extent
there are inadequate collected balances in the Payment Services Account;

                  (iii)  Any excess collected balances in the Payment Services
Account at the conclusion of each Business Day will be applied automatically to
repay the Intercompany Loans, and the proceeds of such repayment will be applied
automatically to repayment of any outstanding Revolving Loans made by First
Union to the Borrower.

         (b) To the extent there are any collected balances in the Payment
Services Account at the end of any Business Day after repayment of any
outstanding Revolving Loans as provided above, such funds shall be invested as
provided in the Cash Management Arrangement.

         (c) Unless payment has already been made by Borrower, the becoming due
of any principal amount of, or accrued interest on, any of the Revolving Loans
shall be deemed irrevocably to be a request by Borrower for a Revolving Loan on
the due date of, and in the amount required to pay, such Obligation, and First
Union shall automatically fund a Revolving Loan (subject to satisfaction of any
conditions to such funding) to make such payment without further action by the
Borrower.

                                       17
<PAGE>

         (d) If at any time First Union shall cease to offer the Cash Management
Arrangement or equivalent cash management and line of credit product to its
customers generally, then, after the expiration of ninety (90) days' prior
notice to the Borrower from the Lender, the Borrower shall not be entitled to
borrow Revolving Loans under the Cash Management Arrangement, and the Lender and
the Borrower agree to amend this Agreement to establish manual borrowing
procedures customary for commercial lines of credit offered by First Union.

         SECTION 2.3  Revolver Note. The Revolving Loans shall be evidenced by a
                      -------------
Revolver Note in the form attached hereto as Exhibit A (the "Revolver Note")
                                             ---------
executed and delivered by Borrower and dated as of the Funding Date, payable to
the order of Lender in an amount equal to the original principal amount of the
Commitment.

         SECTION 2.4  Repayment of Revolving Loans. The Revolving Loans will be
                      ----------------------------
repaid as follows: (a) whether or not any Default or Event of Default has
occurred, the outstanding principal amount of all the Revolving Loans is due and
payable, and shall be repaid by the Borrower in full together with accrued and
unpaid interest on the amount repaid to the date of repayment, on the
Termination Date; (b) if at any time the aggregate unpaid principal amount of
the Revolving Loans then outstanding exceeds the Commitment, the Borrower shall
immediately repay the Revolving Loans in an amount sufficient to reduce the
aggregate unpaid principal amount of such Revolving Loans by an amount equal to
such excess; and (c) the Borrower hereby instructs the Lender to repay the
Revolving Loans outstanding on any day in an amount equal to the amount received
by the Lender on such day pursuant to Section 2.2(a)(iii). Subject to Section
2.7, Borrower may prepay all or any portion of the Revolving Loans, at any time
and without prior notice, and without premium or penalty.

         SECTION 2.5  Interest.
                      --------

         (a) Rate of Interest. The Revolving Loans shall bear interest from the
             ----------------
date such Revolving Loans are made to the date paid at a rate per annum equal to
either (i) the Prime Rate, (ii) LIBOR plus one percent (1.00%) (the "LIBOR
                                      ----
Rate"), or (iii) the Federal Funds Rate plus one and one-quarter percent (1.25%)
                                        ----
(the "Adjusted Federal Funds Rate"), as selected by the Borrower in accordance
with the provisions hereof; provided, however, that if at any time LIBOR is
                            --------  -------
incapable of determination, then the Revolving Loans and all other Obligations
shall bear interest at the Prime Rate or the Adjusted Federal Funds Rate as
selected by the Borrower unless and until LIBOR is capable of being determined.
The Revolving Loans and all other Obligations initially shall bear interest at
the Prime Rate, provided that the Borrower may at any time after the Funding
Date convert the Interest Rate to a rate based on the LIBOR Rate, the Adjusted
Federal Funds Rate or the Prime Rate as set forth above by delivering to Lender
not less than one Business Day's prior written notice of Borrower's election to
convert such Interest Rate (a "Notice of Election"). Each Interest Rate election
shall be applicable to all outstanding Revolving Loans and other Obligations.

         After the occurrence and during the continuance of an Event of Default,
at Lender's

                                       18
<PAGE>

option, the Revolving Loans and all other Obligations shall bear interest at the
Default Rate.

         (b) Computation and Payment of Interest. Interest on the Revolving
             -----------------------------------
Loans shall be computed on the daily principal balance (i) on the basis of a 360
day year for the actual number of days elapsed in the period during which it
accrues in the case of the LIBOR Rate, and (ii) on the basis of a 365 day (or
366 day, as applicable) year for the actual number of days elapsed in the period
during which it accrues in the case of the Prime Rate and Adjusted Federal Funds
Rate, and shall be payable monthly in arrears on the first day of each month and
at maturity, whether by acceleration or otherwise. Any publicly announced change
in the Prime Rate, and any change in the LIBOR Rate or the Adjusted Federal
Funds Rate, shall result in an adjustment to the Prime Rate, the LIBOR Rate or
the Federal Funds Rate, as applicable, on the day such change takes effect. The
Revolving Loans shall bear interest at the Prime Rate unless the Borrower elects
that the Revolving Loans shall bear interest at the LIBOR Rate or the Adjusted
Federal Funds Rate by properly delivering a Notice of Election. Each Interest
Rate election shall be applicable to all outstanding Revolving Loans. In
computing interest on any Revolving Loan, the date of funding of the Revolving
Loan shall be included; and except as otherwise provided in Section 2.8, the
date of payment of such Revolving Loan shall be excluded.

         SECTION 2.6  Fees.
                      ----

         (a) Unused Revolver Fee. Commencing on the Execution Date and
             -------------------
continuing through and including the Termination Date, the Borrower shall pay to
First Union a non-refundable unused revolver fee at a rate per annum (based on a
360 day year) equal to (i) 0.15% multiplied by (ii) the average daily unused
portion of the Commitment. The fee shall be payable in arrears on the last
Business Day of each calendar quarter commencing September 30, 2001, and on the
Termination Date.

         (b) Upfront Fee; Renewal Fee. On or prior to the third day after the
             ------------------------
Execution Date, the Borrower shall pay to the Lender the Upfront Fee. Prior to
the commencement of each extended term of the Revolver established in accordance
with the definition of "Termination Date", if any, the Borrower shall pay to the
Lender the Renewal Fee for such term.

         SECTION 2.7  Termination or Reductions of Commitment.
                      ---------------------------------------

         (a) Mandatory Termination of Commitment. The Commitment shall terminate
             -----------------------------------
on the earlier of (i) the Termination Date, and (ii) the date of termination
pursuant to Section 6.1. Upon any termination of the Commitment, any Revolving
Loans then outstanding (together with accrued interest thereon and any fees
relating thereto) shall be due and payable on such date.

         (b) Voluntary Termination or Reduction of Commitment. Upon repayment of
             ------------------------------------------------
the principal amount of any Loan, the Borrower may without fee or penalty, upon
irrevocable notice to First Union of at least ten (10) Business Days prior
thereto, reduce the Commitment for more or less than the repaid principal amount
of the Loan, but with such commitment reduction to be

                                       19
<PAGE>

in a minimum amount of $1,000,000 or a whole multiple of $500,000 in excess
thereof. Upon repayment in full of the aggregate principal amount of all
outstanding Loans, together with accrued interest thereon and any fees relating
thereto, the Borrower may without fee or penalty, upon irrevocable notice to
First Union of at least ten (10) Business Days prior thereto, terminate the
Commitment.

         SECTION 2.8  General Provisions as to Payments.
                      ---------------------------------

         (a) Manner of Payment. Each payment by the Borrower on account of the
             -----------------
principal of or interest on the Loans (to the extent that payment of such
principal or interest is not paid from the Payment Services Account
automatically pursuant to Sections 2.2(a)(iii) or 2.2(c)) or of any fee,
commission or other amounts payable to the Lender under this Agreement or the
Note shall be made not later than 1:00 p.m. (local time of the Lending Office
designated by First Union to receive Loan repayments) on the date specified for
payment under this Agreement at the Lending Office, in immediately available
funds, and shall be made without any set-off, counterclaim or deduction
whatsoever. Any payment received after such time shall be deemed to have been
made on the next succeeding Business Day for all purposes. If any payment under
this Agreement or the Note shall be specified to be made upon a day which is not
a Business Day, it shall be made on the next succeeding day which is a Business
Day and such extension of time shall in such case be included in computing any
interest if payable along with such payment. So long as no Default or Event of
Default has occurred and is continuing, the Lender will provide the Borrower an
invoice for each payment of any Obligations due under the Loan Documents (other
than principal of and interest on the Loans) at least ten (10) days prior to the
due date for such payment.

         (b) Crediting of Payments and Proceeds. In the event that Borrower
             ----------------------------------
shall fail to pay any of the Obligations when due and the Obligations have been
accelerated pursuant to Section 6.1, all payments received by First Union with
respect to the Note and the other Obligations and all net proceeds from the
enforcement of the Obligations shall be first applied to all of First Union's
fees and expenses then due and payable, then to all other expenses then due and
payable by the Borrower hereunder, then to all indemnity obligations then due
and payable by the Borrower hereunder, then to all commitment and other fees and
commissions then due and payable by the Borrower hereunder, then to accrued and
unpaid interest on the Note and then to the principal amount of the Note, in
that order.

         SECTION 2.9  Taxes.
                      -----

         (a) Payments Free and Clear. Any and all payments by the Borrower
             -----------------------
hereunder or under the Note shall be made free and clear of and without
deduction for any and all present or future taxes, levies, imposts, deductions,
charges or withholding, and all liabilities with respect thereto excluding
income, branch profit and franchise taxes imposed by the jurisdiction under the
laws of which First Union is organized or is or should be qualified to do
business or any political subdivision thereof or by the jurisdiction where its
Lending Office is located or any political

                                       20
<PAGE>

subdivision thereof (all such non-excluded taxes, levies, imposts, deductions,
charges, with the Borrower and liabilities being hereinafter referred to as
"Taxes"). If the Borrower shall be required by law to deduct any Taxes from or
in respect of any sum payable hereunder or under any Note to First Union, (A)
the sum payable shall be increased as may be necessary so that after making all
required deductions (including deductions applicable to additional sums payable
under this Section 2.9) First Union receives an amount equal to the amount the
Lender would have received had no such deductions been made, (B) Borrower shall
make such deductions, (C) Borrower shall pay the full amount deducted to the
relevant taxing authority or other authority in accordance with Applicable Law,
and (D) Borrower shall deliver to First Union evidence of such payment to the
relevant taxing authority or other authority in the manner provided in Section
2.9(d).

         (b) Stamp and Other Taxes. In addition, the Borrower shall pay any
             ---------------------
present or future stamp, registration, recordation or documentary taxes or any
other similar fees or charges or any excise or property taxes, or levies of the
United States or any state or political subdivision thereof or any applicable
foreign jurisdiction which arise from the execution, delivery or registration
of, or enforcement of, this Agreement, the Loans or the other Loan Documents
(hereinafter referred to as "Other Taxes").

         (c) Indemnity. The Borrower shall and does hereby indemnify First Union
             ---------
for the full amount of Taxes and Other Taxes (including, without limitation, any
Taxes and Other Taxes imposed by any jurisdiction on amounts payable under this
Section 2.9) paid by Lender and any liability (including penalties, interest and
expenses) arising therefrom or with respect thereto, whether or not such Taxes
or Other Taxes were correctly or legally asserted. Such indemnification shall be
made within thirty (30) days from the date Lender makes written demand therefor.

         (d) Evidence of Payment. With respect to any payment of Taxes or Other
             -------------------
Taxes, upon the written request of First Union, Borrower shall furnish to First
Union, at its address referred to in Section 7.1, the original or a certified
copy of a receipt evidencing payment thereof or other evidence of payment
satisfactory to First Union.

         (e) Survival. Without prejudice to the survival of any other agreement
             --------
of the Borrower hereunder, the agreements and obligations of the Borrower
contained in this Section 2.9 shall survive the payment in full of the
Obligations and the termination of the Commitment.

         (f) Lender's Receipt of Tax Benefit. To the extent that the payment of
             -------------------------------
the Lender's indemnified Taxes or Other Taxes by the Borrower hereunder gives
rise from time to time to a Tax Benefit to the Lender in any jurisdiction other
than the jurisdiction which imposed such Taxes or Other Taxes, the Lender shall
pay to the Borrower the amount of each such Tax Benefit so recognized or
received. The amount of each Tax Benefit and, therefore, payment to the Borrower
will be determined from time to time by the Lender in its sole discretion, which
determination shall be binding and conclusive on all parties hereto. Each such
payment will be

                                       21
<PAGE>

due and payable by the Lender to the Borrower within a reasonable time after the
filing of the tax return in which such Tax Benefit is recognized or, in the case
of any tax refund, after the refund is received; provided, however, if at any
time thereafter the Lender is required to rescind such Tax Benefit or such Tax
Benefit is otherwise disallowed or nullified, the Borrower shall promptly, after
notice thereof from the Lender, repay to the Lender the amount of such Tax
Benefit previously paid to the Lender and which has been rescinded, disallowed
or nullified. For purposes hereof, the term "Tax Benefit" shall mean the amount
by which the Lender's income tax liability for the taxable period in question is
reduced below what would have been payable had the Borrower not been required to
pay the Lender's taxes hereunder.

                                  ARTICLE III.

                            CONDITIONS TO BORROWINGS

         SECTION 3.1  Conditions to Initial Revolving Loan. The obligations of
                      ------------------------------------
the Lender to make the initial Loans shall not become effective until the date,
if any, on which each of the following conditions precedent is satisfied (the
"Funding Date"), and then only if the Funding Date occurs on or before July 31,
2001, in accordance with Section 3.2:

         (a) Executed Agreement. On or prior to the Execution Date, this
             ------------------
Agreement shall have been duly authorized and executed by the Borrower and the
Lender, shall be in full force and effect and no Default or Event of Default
shall exist hereunder, and the Borrower shall have delivered original
counterparts thereof to First Union;

         (b) Fees. On or before the third day after the Execution Date, Lender
             ----
shall have received the Upfront Fee. On or before the Funding Date, Lender shall
have received all other fees and other amounts due and payable on or prior to
the Funding Date, including reimbursement or payment of all out-of-pocket
expenses (including reasonable actual fees, charges and disbursements of counsel
to the Lender) required to be reimbursed or paid by the Borrower hereunder or
under any other Loan Document;

         (c) Opinions of Counsel. On or prior to the Funding Date, Lender shall
             -------------------
have received an opinion letter of Kilpatrick Stockton, LLP, counsel for the
Borrower and CCS, together with an opinion of the Borrower's General Counsel,
dated as of the Funding Date in the forms attached hereto as Exhibits D and E,
respectively.

         (d) Secretary's Certificate - Borrower. On or prior to the Execution
             ----------------------------------
Date, and again on the Funding Date, Lender shall have received a certificate of
incumbency of Borrower, dated as of the Execution Date or the Funding Date, as
applicable, signed by the Secretary or an Assistant Secretary of Borrower,
certifying as to the names, true signatures and incumbency of the officer or
officers of the Borrower authorized to execute and deliver the Loan Documents,
and certified copies of the following items: (i) Borrower's Articles of
Incorporation or equivalent organic

                                       22
<PAGE>

document, (ii) Borrower's Bylaws, (iii) a certificate of the Secretary of State
of the state of incorporation of Borrower as to the corporate good standing of
Borrower, and (iv) the action taken by the Board of Directors of Borrower
authorizing the Borrower's execution, delivery and performance of this
Agreement, the Note and the other Loan Documents;

         (e) Secretary's Certificate - CCS. On or prior to the Funding Date,
             -----------------------------
Lender shall have received a certificate of incumbency of CCS, dated as of the
Funding Date, signed by the Secretary or an Assistant Secretary of CCS,
certifying as to the names, true signatures and incumbency of the officer or
officers of the CCS authorized to execute and deliver the Loan Documents, and
certified copies of the following items: (i) CCS' Articles of Incorporation or
equivalent organic document, (ii) CCS' Bylaws, (iii) a certificate of the
Secretary of State of the state of incorporation of CCS as to the corporate good
standing of CCS, and (iv) the action taken by the Board of Directors of CCS
authorizing the CCS' execution, delivery and performance of the Loan Documents
to which it is a party;

         (f) Distribution Agreement; Primary Credit Agreements. On or prior to
             -------------------------------------------------
the Execution Date, Lender shall have received certified copies of the Primary
Credit Agreements, as executed and delivered by the parties thereto, and on or
prior to the Funding Date, Lender shall have received certified copies of the
Distribution Agreement, as executed and delivered by the parties thereto.

         (g) Executed Initial Loan Documents. On or prior to the Funding Date,
             -------------------------------
the Note, the Side Letter and the other Loan Documents shall have been duly
authorized and executed by the parties thereto in form and substance reasonably
satisfactory to First Union, and the Borrower shall have delivered original
counterparts thereof to First Union;

         (h) Closing Certificate. On or prior to the Funding Date, Lender shall
             -------------------
have received a certificate substantially in the form of Exhibit C (the "Closing
                                                         ---------
Certificate"), dated as of the Funding Date, signed by an Authorized Officer of
the Borrower, certifying the satisfaction of each of the conditions precedent
set forth in this Section 3.1;

         (i) Payment Services Account. CCS shall have established with First
             ------------------------
Union the Payment Services Account and Borrower and CCS shall have authorized
First Union to make Revolving Loans into, and disbursements from, the Payment
Services Account in accordance with Article II of this Agreement and the Cash
Management Arrangement (such Revolving Loans and disbursements being deemed
simultaneous Intercompany Loans from the Borrower to CCS, and simultaneous
repayments of such Intercompany Loans, respectively), pursuant to such documents
and instruments as reasonably required by First Union;

         (j) Termination of Equifax Settlement Facility. On or prior to the
             ------------------------------------------
Funding Date, the commitment of the Lender under the Equifax Credit Agreement
shall have terminated, and all obligations of Equifax thereunder (other than
indemnification obligations which survive termination of the Lender's commitment
under the Equifax Credit Agreement, including, without

                                       23
<PAGE>

limitation, the obligations of Equifax under Sections 7.03 and 7.04 of the
Equifax Credit Agreement) shall have been satisfied in full. Lender agrees to
honor within one (1) Business Day any request by Equifax to so terminate the
Equifax Credit Agreement, notwithstanding any advance notice of termination that
may otherwise be required thereunder, and assuming repayment in full of the
obligations of Equifax thereunder.

         (k) Consents and Approvals. On or prior to the Funding Date, Lender
             ----------------------
shall have received certified copies of all consents, approvals, authorizations,
registrations, or filings required to be made or obtained by the Borrower in
connection with the Loan Documents, the Spin-off, and the other transactions
contemplated herein, including without limitation, the Form 10 Filing and the
Information Statement.

         (l) No Default; Representations and Warranties. (i) No Default shall
             ------------------------------------------
have occurred and be continuing as of the Funding Date; and (ii) the
representations and warranties of the Borrower contained in Article IV shall be
true on and as of the Funding Date (x) as stated as to representations and
warranties which contain materiality limitations, and (y) and in all material
respects as to all other representations and warranties;

         (m) Senior Debt Rating. On the Funding Date, Borrower shall have a
             ------------------
Senior Debt Rating of at least Baa3 issued by Moody's Investors Service, Inc.;

         (n) Consents; No Adverse Change.
             ---------------------------

                  (i)    Governmental and Third Party Approvals. All necessary
                         --------------------------------------
approvals, authorizations and consents, if any be required, of any Person and of
all Governmental Authorities and courts having jurisdiction with respect to the
execution and delivery of this Agreement and the other Loan Documents and the
consummation of the Spin-off shall have been obtained.

                  (ii)   Permits and Licenses. All material permits and
                         --------------------
licenses, including material permits and licenses required under Applicable Law,
required to carry on Borrower's business as now conducted shall have been
obtained.

                  (iii)  No Injunction, Etc. No action, proceeding,
                         ------------------
investigation, regulation or legislation shall have been instituted, threatened
or proposed before any Governmental Authority to enjoin, restrain, or prohibit,
or to obtain substantial damages in respect of, or which is related to or arises
out of this Agreement or the other Loan Documents or the consummation of the
transactions contemplated hereby or thereby or the consummation of the Spin-off,
or which, in First Union's discretion, would make it inadvisable to consummate
the transactions contemplated by this Agreement and such other Loan Documents.

                  (iv)   No Material Adverse Change. Since March 31, 2001, there
                         --------------------------
shall not have occurred any event or condition that has had or is reasonably
likely to have a Material Adverse

                                       24
<PAGE>

Effect.

                  (v)    No Event of Default. No Default or Event of Default
                         -------------------
shall have occurred and be continuing.

         SECTION 3.2  Failure to Fulfill Conditions Precedent. In the event that
                      ---------------------------------------
any of the conditions precedent to the Lender's obligations to make the initial
Loans, as set forth in Section 3.1, is not satisfied on or prior to July 31,
2001, then the Lender's Commitment will automatically expire, and this Agreement
will immediately terminate (except for the Borrower's indemnification
obligations hereunder which survive termination of the Lender's Commitment),
without further action by the Lender.

         SECTION 3.3  Conditions to All Revolving Loans. In addition to the
                      ---------------------------------
conditions precedent set forth in Section 3.1, the obligations of Lender to make
any Revolving Loan is subject to the satisfaction of the following conditions
precedent on the relevant borrowing date:

         (a) the fact that, immediately before and after such Revolving Loan, no
Default shall have occurred and be continuing; and

         (b) the fact that the representations and warranties of the Borrower
contained in Article IV of this Agreement (other than the representation and
warranty contained in Section 4.4(b), which is made only on and as of the
Funding Date) shall be true on and as of the date of such Revolving Loan (x) as
stated as to representations and warranties which contain materiality
limitations, and (y) and in all material respects as to all other
representations and warranties.

                                  ARTICLE IV.

                         REPRESENTATIONS AND WARRANTIES

         To induce First Union to enter into this Agreement and to induce First
Union to make the Loans, the Borrower hereby represents and warrants to First
Union that:

         SECTION 4.1  Existence; Power. The Borrower and each of its
                      ----------------
Consolidated Subsidiaries (i) is duly organized, validly existing and in good
standing as a corporation under the laws of the jurisdiction of its
organization, (ii) has all requisite power and authority to carry on its
business as now conducted, and (iii) is duly qualified to do business, and is in
good standing, in each jurisdiction where such qualification is required, except
where a failure to be so qualified could not reasonably be expected to result in
a Material Adverse Effect.

         SECTION 4.2  Organizational Power; Authorization. The execution,
                      -----------------------------------
delivery and performance by each Loan Party of the Loan Documents to which it is
a party are within such Loan Party's organizational powers and have been duly
authorized by all necessary

                                       25
<PAGE>

organizational, and if required, stockholder, action. This Agreement has been
duly executed and delivered by the Borrower, and constitutes, and each other
Loan Document to which any Loan Party is a party, when executed and delivered by
such Loan Party, will constitute, valid and binding obligations of the Borrower
or such Loan Party (as the case may be), enforceable against it in accordance
with their respective terms, except as may be limited by applicable bankruptcy,
insolvency, reorganization, fraudulent conveyance, moratorium, or similar laws
affecting the enforcement of creditors' rights generally and by general
principles of equity.

         SECTION 4.3  Governmental Approvals; No Conflicts. The execution,
                      ------------------------------------
delivery and performance by the Borrower of this Agreement, and by each Loan
Party of the other Loan Documents to which it is a party (a) do not require any
consent or approval of, registration or filing with, or any action by, any
Governmental Authority, except those as have been obtained or made and are in
full force and effect or where the failure to do so, individually or in the
aggregate, could not reasonably be expected to have a Material Adverse Effect,
(b) will not violate any applicable law or regulation or any order of any
Governmental Authority which could reasonably be expected to have a Material
Adverse Effect, (c) will not violate the charter, by-laws or other
organizational documents of the Borrower or any of its Consolidated
Subsidiaries, (d) will not violate or result in a default under any indenture,
material agreement or other material instrument binding on the Borrower or any
of its Consolidated Subsidiaries or any of its assets or give rise to a right
thereunder to require any payment to be made by the Borrower or any of its
Consolidated Subsidiaries and (e) will not result in the creation or imposition
of any Lien on any asset of the Borrower or any of its Consolidated
Subsidiaries, except Liens (if any) created under the Loan Documents.

         SECTION 4.4  Financial Statements. The Borrower has furnished to the
                      --------------------
Lender (i) the audited combined balance sheet of the payment services division
of Equifax (the "Division") (which is being reorganized as the Borrower and its
Subsidiaries as of the Spin-off Closing Date) as of December 31, 2000 and the
related combined statements of income, changes in shareholders' equity and cash
flows for the fiscal year then ended prepared by Arthur Andersen LLP and (ii)
the unaudited combined balance sheet of the Division as at the end of March 31,
2001, and the related unaudited combined statements of income and cash flows for
the fiscal quarter and year-to-date period then ending, certified by an
Authorized Officer. Such financial statements fairly present in all material
respects the combined financial condition of the Division as of such dates and
the combined results of operations for such periods in conformity with GAAP
consistently applied, subject to year end audit adjustments and the absence of
footnotes in the case of the statements referred to in clause (ii). Since
December 31, 2000, there have been no changes with respect to the Borrower and
its Subsidiaries which have had or could reasonably be expected to have, singly
or in the aggregate, a Material Adverse Effect.

         SECTION 4.5  Litigation and Environmental Matters.
                      ------------------------------------

         (a) No litigation, investigation or proceeding of or before any
arbitrators or Governmental Authorities is pending against or, to the knowledge
of the Borrower, threatened

                                       26
<PAGE>

against or affecting the Borrower or any of its Consolidated Subsidiaries (i) as
to which there is a reasonable possibility of an adverse determination that
could reasonably be expected to have, either individually or in the aggregate, a
Material Adverse Effect or (ii) which in any manner challenges the validity or
enforceability of this Agreement or any other Loan Document.

         (b) Except for the matters set forth on Schedule 4.5 and except for
                                                 ------------
matters which could not reasonably be expected to have a Material Adverse
Effect, neither the Borrower nor any of its Consolidated Subsidiaries (i) has
failed to comply with any Environmental Law or to obtain, maintain or comply
with any permit, license or other approval required under any Environmental Law,
(ii) has become subject to any Environmental Liability, (iii) has received
notice of any claim with respect to any Environmental Liability or (iv) knows of
any basis for any Environmental Liability in each case.

         SECTION 4.6  Compliance with Laws and Agreements. Except where
                      -----------------------------------
non-compliance, either singly or in the aggregate, could not reasonably be
expected to result in a Material Adverse Effect, the Borrower and each
Consolidated Subsidiary is in compliance with (a) all applicable laws, rules,
regulations and orders of any Governmental Authority, and (b) all indentures,
agreements or other instruments binding upon it or its properties.

         SECTION 4.7  Investment Company Act, Etc. Neither the Borrower nor any
                      ---------------------------
of its Consolidated Subsidiaries is (a) an "investment company", as defined in,
or subject to regulation under, the Investment Company Act of 1940, as amended,
(b) a "holding company" as defined in, or subject to regulation under, the
Public Utility Holding Company Act of 1935, as amended or (c) otherwise subject
to any other regulatory scheme limiting its ability to incur debt.

         SECTION 4.8  Taxes. The Borrower and its Consolidated Subsidiaries have
                      -----
timely filed or caused to be filed all Federal income tax returns and all other
material tax returns that are required to be filed by them, and have paid all
taxes shown to be due and payable on such returns or on any assessments made
against it or its property and all other taxes, fees or other charges imposed on
it or any of its property by any Governmental Authority, except (i) to the
extent the failure to do so would not have a Material Adverse Effect or (ii)
where the same are currently being contested in good faith by appropriate
proceedings and for which the Borrower or such Consolidated Subsidiary, as the
case may be, has set aside on its books adequate reserves.

         SECTION 4.9  Margin Regulations. None of the proceeds of any of the
                      ------------------
Loans or Letters of Credit will be used for "purchasing" or "carrying" any
"margin stock" with the respective meanings of each of such terms under
Regulation U as now and from time to time hereafter in effect or for any purpose
that violates the provisions of the applicable Margin Regulations.

         SECTION 4.10 ERISA. No ERISA Event has occurred or is reasonably
                      -----
expected to occur that, when taken together with all other such ERISA Events for
which liability is reasonably expected to occur, could reasonably be expected to
result in a Material Adverse

                                       27
<PAGE>

Effect. The present value of all accumulated benefit obligations under each Plan
(based on the assumptions used for purposes of Statement of Financial Standards
No. 87) did not, as of the date of the most recent financial statements
reflecting such amounts, exceed by more than $5,000,000 the fair market value of
the assets of such Plan, and the present value of all accumulated benefit
obligations of all underfunded Plans (based on the assumptions used for purposes
of Statement of Financial Standards No. 87) did not, as of the date of the most
recent financial statements reflecting such amounts, exceed by more than
$5,000,000 the fair market value of the assets of all such underfunded Plans.

         SECTION 4.11 Ownership of Property.
                      ---------------------

         (a) Each of the Borrower and its Consolidated Subsidiaries has good
title to, or valid leasehold interests in, all of its real and personal property
material to the operation of its business, except for any such failure that,
individually or in the aggregate, would not have a Material Adverse Effect.

         (b) Each of the Borrower and its Consolidated Subsidiaries owns, or is
licensed, or otherwise has the right, to use, all patents, trademarks, service
marks, tradenames, copyrights and other intellectual property material to its
business, and the use thereof by the Borrower and its Consolidated Subsidiaries
does not infringe on the rights of any other Person, except for any such
infringements that, individually or in the aggregate, would not have a Material
Adverse Effect.

         SECTION 4.12 Disclosure. The Borrower has disclosed to the Lenders all
                      ----------
agreements, instruments, and corporate or other restrictions to which the
Borrower or any of its Consolidated Subsidiaries is subject, and all other
matters known to any of them, that, individually or in the aggregate, could
reasonably be expected to result in a Material Adverse Effect. Neither the
Information Memorandum (as defined in the Primary Credit Agreements) nor any of
the reports (including without limitation all reports that the Borrower is
required to file with the Securities and Exchange Commission), financial
statements, certificates or other information furnished by or on behalf of the
Borrower to the Administrative Agent or any Lender in connection with the
negotiation or syndication of this Agreement or any other Loan Document or
delivered hereunder or thereunder (as modified or supplemented by any other
information so furnished) contains any material misstatement of fact or omits to
state any material fact necessary to make the statements therein, taken as a
whole, in light of the circumstances under which they were made, not misleading.

         SECTION 4.13 Labor Relations. There are no strikes, lockouts or other
                      ---------------
material labor disputes or grievances against the Borrower or any of its
Consolidated Subsidiaries, or, to the Borrower's knowledge, threatened against
or affecting the Borrower or any of its Consolidated Subsidiaries, and no
significant unfair labor practice, charges or grievances are pending against the
Borrower or any of its Consolidated Subsidiaries, or to the Borrower's
knowledge, threatened against any of them before any Governmental Authority that
could reasonably be expected to

                                       28
<PAGE>

have a Material Adverse Effect.

         SECTION 4.14 Subsidiaries. As of the Funding Date, Schedule 4.14 sets
                      ------------                          -------------
forth the name of, the ownership interest of the Borrower in, the jurisdiction
of incorporation of, and the type of, each Subsidiary.

         SECTION 4.15 Spin-off. The Spin-off and all other related transactions
                      --------
comply in all material respects with all applicable laws and regulations,
including without limitation, federal and state securities laws and regulations,
and all organizational documents of the Borrower and Equifax. The Spin-off and
related transactions have been, or will be not later than 11:59 p.m. one
Business Date following the Funding Date, consummated in all material respects
in accordance with the terms and conditions set forth in the Form 10 Filing and
Information Statement. The Spin-off will not cause or result in the occurrence
of any default or event of default under any material indebtedness of the
Borrower or Equifax after giving effect to any consents obtained in connection
with the Spin-off, or require any prepayment, repurchase or redemption of any
indebtedness governed thereby, and the Borrower shall not be liable for any
payment of any material indebtedness of Equifax.

         SECTION 4.16 Primary Credit Agreements. As of the Execution Date, the
                      -------------------------
Primary Credit Agreements shall have been duly executed and delivered by all of
the parties thereto. As of the Funding Date, all conditions precedent to the
making of the initial loans under the Primary Credit Agreements shall have been
satisfied.

         SECTION 4.17 Indebtedness as of Funding Date. As of the Funding Date,
                      -------------------------------
the Borrower and its Consolidated Subsidiaries have no Indebtedness except as
set forth on Schedule 4.17.
             -------------

                                   ARTICLE V.

                                    COVENANTS

         From and after the Funding Date, until payment in full of the
Obligations and termination of the Commitment, the Borrower agrees that:

         SECTION 5.1  Information. The Borrower will deliver to the Lender:
                      -----------

         (a) as soon as available and in any event within 90 days after the end
of each fiscal year of Borrower, a copy of the annual audited report for such
fiscal year for the Borrower and its Subsidiaries, containing a consolidated
balance sheet of the Borrower and its Subsidiaries as of the end of such fiscal
year and the related consolidated statements of income, stockholders' equity and
cash flows (together with all footnotes thereto) of the Borrower and its
Subsidiaries for such fiscal year, setting forth in each case in comparative
form the figures for the previous

                                       29
<PAGE>

fiscal year, all in reasonable detail and reported on by Arthur Andersen LLP or
other independent public accountants of nationally recognized standing (without
a "going concern" or like qualification, exception or explanation and without
any qualification or exception as to scope of such audit) to the effect that
such financial statements present fairly in all material respects the financial
condition and the results of operations of the Borrower and its Subsidiaries for
such fiscal year on a consolidated basis in accordance with GAAP and that the
examination by such accountants in connection with such consolidated financial
statements has been made in accordance with generally accepted auditing
standards;

         (b) as soon as available and in any event within 45 days after the end
of each of the first three fiscal quarters of each fiscal year of the Borrower,
an unaudited consolidated balance sheet of the Borrower and its Subsidiaries as
of the end of such fiscal quarter and the related unaudited consolidated
statements of income and cash flows of the Borrower and its Subsidiaries for
such fiscal quarter and the then elapsed portion of such fiscal year, setting
forth in each case in comparative form the figures for the corresponding quarter
and the corresponding portion of Borrower's previous fiscal year, all certified
by the chief financial officer or treasurer of the Borrower as presenting fairly
in all material respects the financial condition and results of operations of
the Borrower and its Subsidiaries on a consolidated basis in accordance with
GAAP, subject to normal year-end audit adjustments and the absence of footnotes;

         (c) concurrently with the delivery of the financial statements referred
to in clauses (a) and (b) above, a certificate of an Authorized Officer, (i)
certifying as to whether there exists a Default or Event of Default on the date
of such certificate, and if a Default or an Event of Default then exists,
specifying the details thereof and the action which the Borrower has taken or
proposes to take with respect thereto, (ii) setting forth in reasonable detail
calculations demonstrating compliance with Article VI and (iii) stating whether
any change in GAAP or the application thereof has occurred since the date of the
Borrower's audited financial statements referred to in Section 4.4 and, if any
change has occurred, specifying the effect of such change on the financial
statements accompanying such certificate;

         (d) concurrently with the delivery of the financial statements referred
to in clause (a) above, a certificate of the accounting firm that reported on
such financial statements stating whether they obtained any knowledge during the
course of their examination of such financial statements of any Default or Event
of Default (which certificate may be limited to the extent required by
accounting rules or guidelines);

         (e) promptly after the same become publicly available, copies of all
periodic and other reports, proxy statements and other materials filed with the
Securities and Exchange Commission, or any Governmental Authority succeeding to
any or all functions of said Commission, or with any national securities
exchange, or distributed by the Borrower to its shareholders generally, as the
case may be;

         (f) promptly upon the filing thereof, copies of all registration
statements (other than the

                                       30
<PAGE>

exhibits thereto and any registration statements on Form S-8 or its equivalent)
and annual, quarterly or monthly reports which the Borrower shall have filed
with the Securities and Exchange Commission; and

         (g) from time to time such additional information regarding the
financial position or business of the Borrower and the Subsidiaries as the
Lender may reasonably request.

         SECTION 5.2  Inspection of Property, Books and Records.
                      -----------------------------------------

         (a) The Borrower will keep, and will cause each Consolidated Subsidiary
to keep, proper books of record and account in which full, true and correct
entries in conformity with GAAP shall be made of all material dealings and
transactions in relation to its business and activities.

         (b) Prior to the occurrence of a Default, the Borrower will, and the
Borrower will cause each Consolidated Subsidiary to, permit representatives of
the Lender at the Lender's expense after reasonable notice during regular
business hours (which date of visit shall be mutually agreed upon but shall not
be later than two weeks after the date requested by the Lender) to visit and
inspect, in the company of any of the Principal Officers or their designees and
their independent public accountants, any of their respective properties, and to
examine and make abstracts from any of their respective books and records and to
discuss with any of the Principal Officers the respective affairs, finances and
accounts of the Borrower and its Subsidiaries.

         (c) After the occurrence of a Default, the Borrower will permit, and
the Borrower will cause each Consolidated Subsidiary to permit, at the
Borrower's expense, representatives of the Lender to visit and inspect any of
their respective properties, to examine and make abstracts from any of their
respective books and records and to discuss their respective affairs, finances
and accounts with their respective officers, employees and independent public
accountants.

The Borrower agrees to cooperate and assist in such visits and inspections set
forth in paragraphs (b) and (c) above in this Section, in each case at such
reasonable times and as often as may reasonably be desired. Provided, however,
(i) in no event shall the Lender have access to information prohibited by law,
and (ii) in the event the Lender desires to inspect confidential matters (which
matters shall in no event include financial information and data of the Borrower
or its Subsidiaries or other information the Lender may require in order to
determine compliance with this Agreement) under this Section, the Lender shall
execute a confidentiality agreement relating to such matters, which agreement
shall contain reasonable terms acceptable to the Lender and its counsel.

         SECTION 5.3  Existence; Conduct of Business. The Borrower will, and
                      ------------------------------
will cause each of its Consolidated Subsidiaries to, do or cause to be done all
things necessary to preserve, renew and maintain in full force and effect its
legal existence and its respective rights, licenses, permits, privileges,
franchises, patents, copyrights, trademarks and trade names material to the

                                       31
<PAGE>

conduct of its business and will continue to engage in the same business as
presently conducted or such other businesses that are reasonably related
thereto; provided, that nothing in this Section shall prohibit any merger,
         --------
consolidation, liquidation or dissolution permitted under Section 5.15.

         SECTION 5.4  Notices of Material Events. The Borrower will furnish to
                      --------------------------
the Lender prompt notice of the following:

         (a) the occurrence of any Default or Event of Default;

         (b) the filing or commencement of any action, suit or proceeding by or
before any arbitrator or Governmental Authority against or, to the knowledge of
the Borrower, affecting the Borrower or any Subsidiary which, if adversely
determined, could reasonably be expected to result in a Material Adverse Effect;

         (c) the occurrence of any event or any other development (which
individually or in the aggregate, could reasonably be expected to result in a
Material Adverse Effect) by which the Borrower or any of its Consolidated
Subsidiaries (i) fails to comply with any Environmental Requirements or to
obtain, maintain or comply with any permit, license or other approval required
under any Environmental Requirements, (ii) becomes subject to any Environmental
Liability, (iii) receives notice of any claim with respect to any Environmental
Liability, or (iv) becomes aware of any basis for any Environmental Liability;

         (d) the occurrence of any ERISA Event that alone, or together with any
other ERISA Events that have occurred, could reasonably be expected to result in
liability of the Borrower and its Consolidated Subsidiaries in an aggregate
amount exceeding $5,000,000;

         (e) the downgrading of the Senior Debt Rating by either of the Rating
Agencies; and

         (f) any development that results in, or could reasonably be expected to
result in, a Material Adverse Effect.

Each notice delivered under this Section shall be accompanied by a written
statement of an Authorized Officer setting forth the details of the event or
development requiring such notice and, if applicable, any action taken or
proposed to be taken with respect thereto.

         SECTION 5.5  Use of Proceeds. The Borrower will use the proceeds of the
                      ---------------
Revolving Loans hereunder solely for the Permitted Purpose.

         SECTION 5.6  Consummation of Spin-off. The Spin-off and related
                      ------------------------
transactions shall have been not later than 11:59 p.m. one Business Day
following the Funding Date, consummated in all material respects in accordance
with the terms and conditions set forth in the Form 10 Filing and Information
Statement.

                                       32
<PAGE>

         SECTION 5.7  Compliance with Laws; Payment of Taxes. The Borrower will,
                      --------------------------------------
and will cause each of the Subsidiaries to, comply with applicable laws,
regulations and similar requirements of governmental authorities, except (i)
where the necessity of such compliance is being contested in good faith through
appropriate proceedings, or (ii) where the failure to do so would not have a
Material Adverse Effect. The Borrower will, and will cause each of the
Subsidiaries to, pay prior to the time the same become delinquent all taxes,
assessments, governmental charges, claims for labor, supplies, rent and other
obligations which, if unpaid, might become a lien against the property of the
Borrower or any Consolidated Subsidiary, except (i) liabilities being contested
in good faith and against which, if requested by the Lender, the Borrower will
set up reserves in accordance with GAAP, or (ii) where the failure to do so
would not have a Material Adverse Effect.

         SECTION 5.8  Insurance. The Borrower will maintain, and cause each of
                      ---------
the Subsidiaries to maintain (either in the name of the Borrower or in such
Consolidated Subsidiary's own name), with financially sound and reputable
insurance companies, insurance on all its property material to its business in
comparable amounts and against such risks as are usually insured against in the
same general area by companies of established repute engaged in the same or
similar business.

         SECTION 5.9  Maintenance of Property. The Borrower shall, and shall
                      -----------------------
cause each Consolidated Subsidiary to, maintain all of its properties and assets
in good condition, repair and working order, ordinary wear and tear excepted,
except where the failure to do so would not have a Material Adverse Effect.

         SECTION 5.10 Transactions with Affiliates. The Borrower will not, and
                      ----------------------------
will not permit any of its Consolidated Subsidiaries to, sell, lease or
otherwise transfer any property or assets to, or purchase, lease or otherwise
acquire any property or assets from, or otherwise engage in any other
transactions with, any of its Affiliates, except (a) in the ordinary course of
business at prices and on terms and conditions not less favorable to the
Borrower or such Subsidiary than could be obtained on an arm's-length basis from
unrelated third parties, (b) transactions between or among the Borrower and its
Consolidated Subsidiaries not involving any other Affiliates (subject to
limitations in Section 5.16), (c) any Restricted Payment permitted by Section
5.17, and (d) in any Permitted Securitization Transaction. The Lender hereby
acknowledges and agrees that the transactions between or among the Borrower and
its Consolidated Subsidiaries and Equifax and its subsidiaries related to any
period following the Spin-off, as set forth in the Form 10 Filing and the
Information Statement are transactions not prohibited by this Section 5.10.

         SECTION 5.11 Payment Services Account. Borrower shall, or shall cause
                      ------------------------
CCS to, maintain at all times with First Union the Payment Services Account or
such other Payment Services Account as agreed upon by Borrower and First Union.

         SECTION 5.12 Cash Management Relationship. Borrower shall, and shall
                      ----------------------------
cause CCS

                                       33
<PAGE>

to, under group number 3304484988, maintain the cash management relationship
with First Union at not less than the current level of cash management services
provided by First Union to CCS.

         SECTION 5.13 Subsidiary Indebtedness. The Borrower will not permit any
                      -----------------------
of its Consolidated Subsidiaries to create, incur, assume or suffer to exist any
Indebtedness, except:

         (a) Indebtedness created pursuant to the Loan Documents;

         (b) Indebtedness existing on the Spin-off Date and set forth on
Schedule 5.13 and extensions, renewals and replacements of any such Indebtedness
-------------
that do not (i) in the case of revolving credit, increase the maximum principal
amount thereof, or (ii) in the case of term loans, either increase the
outstanding principal amount thereof (immediately prior to giving effect to such
extension, renewal or replacement) or shorten the maturity or the weighted
average life thereof;

         (c) Indebtedness of any Consolidated Subsidiary incurred to finance the
acquisition, construction or improvement of any fixed or capital assets,
including Capital Lease Obligations; provided, that such Indebtedness is
incurred prior to or within 90 days after such acquisition or the completion of
such construction or improvements and extensions, renewals, and replacements of
any such Indebtedness that do not increase the outstanding principal amount
thereof (immediately prior to giving effect to such extension, renewal or
replacement) or shorten the maturity or the weighted average life thereof;

         (d) Indebtedness of any Consolidated Subsidiary owing to the Borrower
or any other Consolidated Subsidiary;

         (e) Guarantees by any Consolidated Subsidiary of Indebtedness of the
Borrower or any other Subsidiary; provided, that any Indebtedness of the
                                  --------
Borrower which is guaranteed by a Consolidated Subsidiary must otherwise be
permitted under this Section 5.13;

         (f) Indebtedness in respect of obligations under Hedging Agreements
permitted by Section 5.19;

         (g) Indebtedness of any Permitted Securitization Subsidiary (to the
extent such Permitted Securitization Subsidiary constitutes a Consolidated
Subsidiary) incurred in connection with any Permitted Securitization
Transaction; and

         (h) other unsecured Indebtedness of Consolidated Subsidiaries in an
aggregate principal amount not to exceed $50,000,000 at any time outstanding.

         SECTION 5.14 Negative Pledge. The Borrower shall not, and shall not
                      ---------------
permit any Consolidated Subsidiary to, create, assume or suffer to exist any
Lien on the Payment Services

                                       34
<PAGE>

Account, the settlement receivables of Borrower or CCS, or the Borrower's rights
in respect of the Intercompany Loans (or any agreement, document, instrument or
note evidencing any of the foregoing) except:

         (a) any Lien against the Borrower or any Consolidated Subsidiary
evidencing the transfer of any receivables and related property to any Permitted
Securitization Subsidiary (to the extent such Permitted Securitization
Subsidiary constitutes a Consolidated Subsidiary) pursuant to any Permitted
Securitization Transaction; and

         (b) any Lien against a Permitted Securitization Subsidiary (to the
extent such Permitted Securitization Subsidiary constitutes a Consolidated
Subsidiary) pursuant to any Permitted Securitization Transaction.

         SECTION 5.15 Fundamental Changes.
                      -------------------

         (a) The Borrower will not, and will not permit any Consolidated
Subsidiary to, merge into or consolidate into any other Person, or permit any
other Person to merge into or consolidate with it, or sell, lease, transfer or
otherwise dispose of (in a single transaction or a series of transactions) all
or substantially all of its assets (in each case, whether now owned or hereafter
acquired) or all or substantially all of the stock of any of its Consolidated
Subsidiaries (in each case, whether now owned or hereafter acquired) or
liquidate or dissolve; provided, that if at the time thereof and immediately
                       --------
after giving effect thereto, no Default or Event of Default shall have occurred
and be continuing (i) the Borrower or any Consolidated Subsidiary may merge with
a Person if the Borrower (or such Consolidated Subsidiary if the Borrower is not
a party to such merger) is the surviving Person, (ii) any Consolidated
Subsidiary may merge into another Consolidated Subsidiary; provided, that if any
                                                           --------
party to such merger is CCS, CCS shall be the surviving Person, (iii) any
Consolidated Subsidiary may sell, transfer, lease or otherwise dispose of all or
substantially all of its assets to the Borrower or to a Consolidated Subsidiary,
(iv) any Consolidated Subsidiary (other than CCS) may liquidate or dissolve if
the Borrower determines in good faith that such liquidation or dissolution is in
the best interests of the Borrower and is not materially disadvantageous to the
Lender and (v) any Consolidated Subsidiary (other than CCS) may be sold so long
as such sale is permitted under Section 5.18; provided, that any such merger
                                              --------
involving a Person that is not a Wholly-Owned Subsidiary immediately prior to
such merger shall not be permitted unless also permitted by Section 5.16;
provided, further, that at any time, (x) any one or more Permitted
-----------------
Securitization Subsidiaries may merge into or consolidate with any one or more
Permitted Securitization Subsidiaries and (y) any Permitted Securitization
Subsidiary may be liquidated or dissolved.

         (b) The Borrower will not, and will not permit any of its Consolidated
Subsidiaries to, engage to any material extent in any business other than
businesses of the type conducted by the Borrower and its Consolidated
Subsidiaries on the Spin-off Closing Date and businesses reasonably related
thereto and to consummate a Permitted Securitization Transaction.

                                       35
<PAGE>

         SECTION 5.16 Investments, Loan, Acquisitions, etc. The Borrower will
                      ------------------------------------
not, and will not permit any of its Consolidated Subsidiaries to, purchase, hold
or acquire (including pursuant to any merger with any Person that was not a
Wholly-Owned Subsidiary prior to such merger), any common stock, evidence of
indebtedness or other securities (including any option, warrant, or other right
to acquire any of the foregoing) of, make or permit to exist any loans or
advances to, Guarantee any obligations of, or make or permit to exist any
investment or any other interest in, any other Person (all of the foregoing
being collectively called "Investments"), or consummate any Acquisitions or make
any Restricted Investments, except:

         (a) Permitted Investments;

         (b) Guarantees constituting Indebtedness not prohibited by Section
5.13; provided, that the aggregate principal amount of Indebtedness of
      --------
Subsidiaries or any other entity that are not Subsidiary Loan Parties that is
Guaranteed by any Loan Party shall be subject to the limitations set forth in
clauses (c) and (d) hereof;

         (c) Investments made by the Borrower in or to any Subsidiary and by any
Consolidated Subsidiary in or to the Borrower or in or to any Subsidiary;
provided, that the aggregate amount of Investments (determined at book value) by
--------
the Borrower or any Consolidated Subsidiary in or to, and Guarantees by the
Borrower or any Consolidated Subsidiary of Indebtedness of any Subsidiary that
is not a Subsidiary Loan shall not exceed $368,900,000;

         (d) Restricted Investments so long as after giving effect to all
Restricted Investments, the aggregate amount of all Restricted Investments
(determined at book value) does not exceed 20% of Consolidated Total Assets;

         (e) loans or advances to employees, officers or directors of the
Borrower or any Consolidated Subsidiary in the ordinary course of business for
travel, relocation and other business related expenses;

         (f) Hedging Agreements permitted by Section 5.19;

         (g) Permitted Acquisitions; and

         (h) Permitted Securitization Subsidiaries.

         SECTION 5.17 Restricted Payments. The Borrower will not, and will not
                      -------------------
permit its Consolidated Subsidiaries to make any payment on account of, or set
apart assets for a sinking or other analogous fund for, the purchase,
redemption, retirement, defeasance or other acquisition of Indebtedness
subordinated to the Obligations of the Borrower or any options, warrants, or
other rights to purchase such Indebtedness, whether now or hereafter outstanding
(each, a "Restricted Payment"), except for Restricted Payments made by any
Consolidated Subsidiary to the Borrower or to another Consolidated Subsidiary.

                                       36
<PAGE>

         SECTION 5.18 Sale of Assets. The Borrower will not, and will not permit
                      --------------
any of its Consolidated Subsidiaries to, convey, sell, lease, assign, transfer
or otherwise dispose of, any of its assets, business or property, whether now
owned or hereafter acquired, or, in the case of any Consolidated Subsidiary,
issue or sell any shares of such Consolidated Subsidiary's common stock to any
Person other than the Borrower or any Wholly-Owned Subsidiary of the Borrower
(or to qualify directors if required by applicable law), except:

         (a) the sale or other disposition for fair market value of obsolete or
worn out property or other property not necessary for operations disposed of in
the ordinary course of business;

         (b) the sale of inventory and Permitted Investments in the ordinary
course of business;

         (c) the sale of any receivables and related property to one or more
Permitted Securitization Subsidiaries so long as such sale is made to consummate
a Permitted Securitization Transaction; and

         (d) the sale or other disposition of such assets (which may include the
capital stock of any Subsidiary of the Borrower or all or substantially all of
the assets of any Subsidiary of the Borrower) in an aggregate amount in any
fiscal year of the Borrower not to exceed 10% of the Consolidated EBIT for the
immediately preceding fiscal year.

         SECTION 5.19 Hedging Agreements. The Borrower will not, and will not
                      ------------------
permit any of the Consolidated Subsidiaries to, enter into any Hedging
Agreement, other than non-speculative Hedging Agreements entered into in the
ordinary course of business to hedge or mitigate risks to which the Borrower or
any Subsidiary is exposed in the conduct of its business or the management of
its liabilities.

         SECTION 5.20 Amendment to Material Documents. The Borrower will not,
                      -------------------------------
and will not permit any Consolidated Subsidiary to, amend, modify or waive any
of its rights in a manner materially adverse to the Lenders under its
certificate of incorporation, bylaws or other organizational documents.

         SECTION 5.21 Accounting Changes. The Borrower will not, and will not
                      ------------------
permit any Subsidiary to, make any significant change in accounting treatment or
reporting practices, except as required by GAAP.

         SECTION 5.22 Leverage Ratio. The Borrower will have, as of the end of
                      --------------
each Fiscal Quarter of the Borrower, commencing with the Fiscal Quarter ending
June 30, 2001, a Leverage Ratio of not greater than 3.00 to 1.00.

         SECTION 5.23 Fixed Charge Coverage Ratio. The Borrower will have, as of
                      ---------------------------
the end of each Fiscal Quarter of the Borrower, commencing with the Fiscal
Quarter ending June 30,

                                       37
<PAGE>

2001, a Fixed Charge Coverage Ratio of not less than 2.50 to 1.00.

         SECTION 5.24 Indebtedness During Transition Period. The Borrower will
                      -------------------------------------
not, and will not permit any Consolidated Subsidiary to, incur or suffer to
exist any Indebtedness from the Funding Date through the Spin-off Date other
than the Indebtedness set forth on Schedule 4.17.

                                  ARTICLE VI.

                                    DEFAULTS

         SECTION 6.1  Events of Default. If one or more of the following events
                      -----------------
("Events of Default") shall have occurred and be continuing:

         (a) the Borrower shall fail to pay (i) when due any principal of any
Loan or (ii) any interest on any Loan within five (5) Business Days after such
interest shall become due, or (iii) any fee or other amount payable hereunder
within five (5) Business Days after such fee or other amount becomes due; or

         (b) the Borrower shall fail to observe or perform any covenant or
agreement contained in Sections 5.3 (with respect to the Borrower's existence),
5.4, 5.5, 5.6, 5.10, or Sections 5.14 through 5.24, inclusive; or

         (c) the Borrower or CCS shall fail to observe or perform any covenant
or agreement contained in this Agreement (other than those covered by paragraph
(a) or (b) above) or in any Loan Document and such failure shall not have been
cured within 30 days after the earlier to occur of (i) written notice thereof
has been given to the Borrower by the Lender or (ii) any Authorized Officer of
the Borrower or CCS otherwise becomes aware of any such failure; or

         (d) any representation, warranty, certification or statement made by
the Borrower or CCS in Article IV of this Agreement or in any certificate,
financial statement or other Loan Document shall prove to have been incorrect or
misleading in any material respect when made (or deemed made); or

         (e) the Borrower or any Consolidated Subsidiary (whether as primary
obligor or as guarantor or other surety) shall fail to pay any principal of or
premium or interest on any Indebtedness which exceeds $7,500,000 individually or
in the aggregate, when and as the same shall become due and payable (whether at
scheduled maturity, required prepayment, acceleration, demand or otherwise), and
such failure shall continue after the applicable grace period, if any, specified
in the agreement or instrument evidencing such Indebtedness; or any other event
shall occur or condition shall exist under any agreement or instrument relating
to such Indebtedness and shall continue after the applicable grace period, if
any, specified in such agreement or instrument, if the effect of such event or
condition is to accelerate, or permit the acceleration of,

                                       38
<PAGE>

the maturity of such Indebtedness; or any such Indebtedness shall be declared to
be due and payable; or required to be prepaid or redeemed (other than by a
regularly scheduled required prepayment or redemption), purchased or defeased,
or any offer to prepay, redeem, purchase or defease such Indebtedness shall be
required to be made, in each case prior to the stated maturity thereof; or

         (f) the Borrower, CCS, any Subsidiary of the Borrower owning, directly
or indirectly, any of the capital stock of CCS, or any Material Subsidiary shall
commence a voluntary case or other proceeding seeking liquidation,
reorganization or other relief with respect to itself or its debts under any
bankruptcy, insolvency or other similar law now or hereafter in effect or
seeking the appointment of a trustee, receiver, liquidator, custodian or other
similar official of it or any substantial part of its property, or shall consent
to any such relief or to the appointment of or taking possession by any such
official in an involuntary case or other proceeding commenced against it, or
shall make a general assignment for the benefit of creditors, or shall fail
generally to pay its debts as they become due, or shall take any corporate
action to authorize any of the foregoing; or

         (g) an involuntary case or other proceeding shall be commenced against
the Borrower, CCS, any Subsidiary of the Borrower owning, directly or
indirectly, any of the capital stock of CCS, or any Material Subsidiary seeking
liquidation, reorganization or other relief with respect to it or its debts
under any bankruptcy, insolvency or other similar law now or hereafter in effect
or seeking the appointment of a trustee, receiver, liquidator, custodian or
other similar official of it or any substantial part of its property, and such
involuntary case or other proceeding shall remain undismissed and unstayed for a
period of 60 days; or an order for relief shall be entered against the Borrower
or any Consolidated Subsidiary under the federal bankruptcy laws as now or
hereafter in effect; or

         (h) an ERISA Event shall have occurred that, when taken together with
other ERISA Events that have occurred, could reasonably be expected to result in
liability to the Borrower or any Consolidated Subsidiary in an aggregate amount
exceeding $5,000,000; or

         (i) one or more judgments or orders for the payment of money in an
aggregate amount in excess of $7,500,000 (exclusive of the portion of the
judgment amount fully covered by insurance where the insurer has admitted
liability in respect of such judgment in writing) shall be rendered against the
Borrower or any Consolidated Subsidiary and (i) such judgment or order shall not
be discharged within or shall continue unsatisfied and unstayed for a period of
30 days after the entry thereof, or (ii) the Borrower or the applicable
Consolidated Subsidiary shall not appeal such judgment within such 30 day period
and the execution of such judgment shall not be stayed during such appeal; or

         (j) a Change in Control shall occur or exist; or

         (k) Breach of any covenant by the Borrower or any Consolidated
Subsidiary (including

                                       39
<PAGE>

any Permitted Securitization Subsidiary to the extent a Permitted Securitization
Subsidiary is a Consolidated Subsidiary) contained in any agreement relating to
a Permitted Securitization Transaction causing or permitting the acceleration of
the obligations thereunder or requiring the prepayment of such obligations or
termination of such securitization program prior to its stated maturity or term
and the Borrower or any Consolidated Subsidiary (other than any Permitted
Securitization Subsidiary to the extent such Subsidiary is a Consolidated
Subsidiary) has liability in excess of $7,500,000 under such Permitted
Securitization Transaction;

then, and in every such event, (i) the Lender may, by notice to the Borrower,
terminate the Commitment and it shall thereupon terminate, and (ii) the Lender
may, by notice to the Borrower, declare the principal of and interest on the
Revolving Loans and the Note at the time outstanding, and all other amounts owed
to First Union under this Agreement or any of the other Loan Documents and all
other Obligations, to be forthwith due and payable, whereupon the same shall
immediately become due and payable without presentment, demand, protest or other
notice of any kind, all of which are hereby waived by the Borrower, together
with interest at the Default Rate accruing on the principal amount thereof from
and after the date and during the continuation of such Event of Default;
provided that if any Event of Default specified in paragraph (f) or (g) above
--------
occurs with respect to the Borrower, without any notice to the Borrower or any
other act by the Lender, the Commitment shall thereupon terminate and the
principal amount of the Revolving Loans, the Note and all other amounts owed to
First Union under this Agreement or any of the other Loan Documents and all
other Obligations shall become immediately due and payable without presentment,
demand, protest or other notice of any kind, all of which are hereby waived by
the Borrower, together with interest thereon at the Default Rate accruing on the
principal amount thereof from and after the date and during the continuation of
such Event of Default. Notwithstanding the foregoing, the Lender shall have
available to it all other remedies at law or equity, and shall exercise any one
or all of them in its sole discretion.

                                  ARTICLE VII.

                                  MISCELLANEOUS

         SECTION 7.1  Notices. Except as otherwise expressly provided in this
                      -------
Agreement, all notices, requests and other communications to any party hereunder
shall be in writing (including bank wire, telecopier or similar writing) and
shall be given to such party at its address or telecopier number set forth on
the signature pages hereof or such other address or telecopier number as such
party may hereafter specify for the purpose by notice to each other party. Each
such notice, request or other communication shall be effective (i) if given by
telecopier, when such telecopy is transmitted to the telecopier number specified
in this Section and the appropriate confirmation is received, (ii) if given by
mail, 72 hours after such communication is deposited in the mails with first
class postage prepaid, addressed as aforesaid or (iii) if given by any other
means, when delivered at the address specified in this Section; provided that
                                                                --------
notices to the Lender under Article II shall not be effective until received.

                                       40
<PAGE>

         SECTION 7.2  No Waivers. No failure or delay by the Lender in
                      ----------
exercising any right, power or privilege hereunder or under any Note or other
Loan Document shall operate as a waiver thereof nor shall any single or partial
exercise thereof preclude any other or further exercise thereof or the exercise
of any other right, power or privilege. The rights and remedies herein provided
shall be cumulative and not exclusive of any rights or remedies provided by law.

         SECTION 7.3  Expenses; Documentary Taxes. The Borrower shall pay (i)
                      ---------------------------
all reasonable actual out-of-pocket expenses of the Lender, including reasonable
actual fees and disbursements of special counsel for the Lender, in connection
with the preparation and negotiation of this Agreement and the other Loan
Documents, any waiver or consent hereunder or thereunder or any amendment hereof
or thereof or any Default or alleged Default hereunder or thereunder and (ii) if
a Default occurs, all reasonable actual out-of-pocket expenses incurred by the
Lender, including reasonable actual fees and disbursements of outside counsel or
the equivalent allocated costs of in-house counsel, in connection with such
Default and collection and other enforcement proceedings resulting therefrom,
including all reasonable actual out-of-pocket expenses incurred in enforcing
this Agreement and the other Loan Documents. The Borrower shall indemnify the
Lender against any Other Taxes made by any Governmental Authority by reason of
the execution and delivery of this Agreement or the other Loan Documents.

         SECTION 7.4  Indemnification. The Borrower shall indemnify the Lender
                      ---------------
and each Affiliate thereof and their respective directors, officers, employees
and agents from, and hold each of them harmless against, any and all actual
losses, liabilities, claims or damages to which any of them may become subject,
insofar as such losses, liabilities, claims or damages arise out of or result
from any actual or proposed use by the Borrower of the proceeds of any extension
of credit by the Lender hereunder or breach by the Borrower of this Agreement or
any other Loan Document or from any investigation, litigation (including,
without limitation, any actions taken by the Lender to enforce this Agreement or
any of the other Loan Documents) or other proceeding (including, without
limitation, any threatened investigation or proceeding) relating to the
foregoing, and the Borrower shall reimburse the Lender and each Affiliate
thereof and their respective directors, officers, employees and Lender, upon
demand for any expenses (including, without limitation, actual and reasonable
legal fees) incurred in connection with any such investigation or proceeding;
but excluding any such losses, liabilities, claims, damages or expenses incurred
by reason of the gross negligence or willful misconduct of the Person to be
indemnified; provided, however, that the Borrower shall not be liable under this
             -----------------
Section 7.4 in connection with any claim under any cause of action by or against
any Person indemnified under this Section 7.4 with respect to which and to the
extent to which the Borrower or an Affiliate of the Borrower is both (i) adverse
to the Person being indemnified with respect to such claim under such cause of
action, and (ii) the prevailing party with respect to such claim under such
cause of action.

         SECTION 7.5  Amendments and Waivers. Any term, covenant, agreement or
                      ----------------------
condition

                                       41
<PAGE>

of this Agreement or any of the other Loan Documents may be amended or waived by
First Union upon request of the Borrower, and any consent given by First Union
in response to a request by the Borrower, if, but only if, such amendment,
waiver or consent is in writing signed by the Borrower and First Union.

         SECTION 7.6  Successors and Assigns; Participants.
                      ------------------------------------

         (a) The provisions of this Agreement shall be binding upon and inure to
the benefit of the parties hereto and their respective successors and assigns;
provided that the Borrower may not assign or otherwise transfer any of its
rights under this Agreement.

         (b) The Lender may at any time sell to one or more Persons (each a
"Participant") participating interests in any Revolving Loan owing to the
Lender, any Note held by the Lender, the Commitment hereunder or any other
interest of the Lender hereunder. In the event of any such sale by the Lender of
a participating interest to a Participant, the Lender's obligations under this
Agreement shall remain unchanged, the Lender shall remain solely responsible for
the performance thereof, the Lender shall remain the holder of any such Note for
all purposes under this Agreement, and the Borrower and the Lender shall
continue to deal solely and directly with the Lender in connection with the
Lender's rights and obligations under this Agreement. In no event shall the
Lender be obligated to the Participant to take or refrain from taking any action
hereunder except that the Lender may agree that it will not (except as provided
below), without the consent of the Participant, agree to (i) the change of any
date fixed for the payment of principal of or interest on the related Revolving
Loan or Revolving Loans, (ii) the change of the amount of any principal,
interest or fees due on any date fixed for the payment thereof with respect to
the related Revolving Loan or Revolving Loans, (iii) the change of the principal
of the related Revolving Loan or Revolving Loans, (iv) any change in the rate at
which either interest is payable thereon or (if the Participant is entitled to
any part thereof) fee is payable hereunder from the rate at which the
Participant is entitled to receive interest or fee (as the case may be) in
respect of such participation, (v) the release or substitution of all or any
substantial part of the collateral (if any) held as security for the Revolving
Loans, or (vi) the release of any Guarantee given to support payment of the
Revolving Loans.

         (c) With the prior written consent of the Borrower (which consent shall
not be unreasonably withheld), First Union may assign to any Person (each, an
"Assignee") all or a portion of its rights and obligations under this Agreement
(including, without limitation, all or a portion of its Commitment, the
outstanding Loans made by it and the Note held by it), provided, however that
                                                       -----------------
Borrower's consent shall not be required during any Event of Default.

         (d) Subject to the provisions of Section 7.7 (which shall be binding on
each Transferee), the Borrower authorizes Lender to disclose to any potential
and actual Participant or potential and actual Assignee (each a "Transferee")
and any prospective Transferee any and all financial information in the Lender's
possession concerning the Borrower or any Subsidiary of Borrower which has been
delivered to the Lender by the Borrower pursuant to this Agreement or

                                       42
<PAGE>

which has been delivered to the Lender by the Borrower in connection with the
Lender's credit evaluation prior to entering into this Agreement.

         (e) Anything in this Section 7.6 to the contrary notwithstanding, the
Lender may assign and pledge all or any portion of the Revolving Loans and/or
obligations owing to it to any Federal Reserve Bank or the United States
Treasury as collateral security pursuant to Regulation A of the Board of
Governors of the Federal Reserve System and any Operating Circular issued by
such Federal Reserve Bank, provided that any payment in respect of such assigned
Revolving Loans and/or obligations made by the Borrower to the Lender in
accordance with the terms of this Agreement shall satisfy the Borrower'
obligations hereunder in respect of such assigned Revolving Loans and/or
obligations to the extent of such payment. No such assignment shall release the
Lender from its obligations hereunder.

         SECTION 7.7  Confidentiality. The Lender agrees to exercise
                      ---------------
commercially reasonable efforts to keep any information delivered or made
available by the Borrower to it, confidential from anyone other than persons
employed or retained by the Lender who are or are expected to become engaged in
evaluating, approving, structuring or administering the Revolving Loans;
provided, however that nothing herein shall prevent the Lender from disclosing
-----------------
such information (i) upon the order of any court or administrative agency, (ii)
upon the request or demand of any regulatory agency or authority having
jurisdiction over the Lender, (iii) which has been publicly disclosed, (iv) to
the extent reasonably required in connection with any litigation to which the
Lender or its respective Affiliates may be a party, (v) to the extent reasonably
required in connection with the exercise of any remedy hereunder, (vi) to the
Lender's legal counsel and independent auditors and (vii) to any actual or
proposed Participant, Assignee or other Transferee of all or part of its rights
hereunder which has agreed in writing to be bound by the provisions of this
Section 7.7; provided that should disclosure of any such confidential
             --------
information be required by virtue of clause (i) of the immediately preceding
sentence, the Lender shall promptly notify the Borrower of same (unless
prohibited by such order in clause (i)) so as to allow the Borrower to seek a
protective order or to take any other appropriate action; provided, further,
                                                          --------  -------
that, Lender shall not be required to delay compliance with any directive to
----
disclose any such information so as to allow the Borrower to effect any such
action.

         SECTION 7.8  Representation by the Lender. The Lender hereby represents
                      ----------------------------
that it is a commercial lender or financial institution which makes Revolving
Loans in the ordinary course of its business and that it will make its Revolving
Loans hereunder for its own account in the ordinary course of such business;
provided, however that, subject to Section 7.6, the disposition of the Note held
-----------------
by the Lender shall at all times be within its exclusive control.

         SECTION 7.9  Georgia Law. This Agreement and each Loan Document shall
                      -----------
be construed in accordance with and governed by the law of the State of Georgia.

         SECTION 7.10 Severability. In case any one or more of the provisions
                      ------------
contained in this Agreement, the Note or any other Loan Documents should be
invalid, illegal or

                                       43
<PAGE>

unenforceable in any respect, the validity, legality and enforceability of the
remaining provisions contained herein and therein shall not in any way be
affected or impaired thereby and shall be enforced to the greatest extent
permitted by law.

         SECTION 7.11 Interest. In no event shall the amount of interest, and
                      --------
all charges, amounts or fees contracted for, charged or collected pursuant to
this Agreement, the Note or the other Loan Documents and deemed to be interest
under applicable law (collectively, "Interest") exceed the highest rate of
interest allowed by applicable law (the "Maximum Rate"), and in the event any
such payment is inadvertently received by the Lender, then the excess sum (the
"Excess") shall be credited as a payment of principal, unless the Borrower shall
notify the Lender in writing that it elects to have the Excess returned
forthwith. It is the express intent hereof that the Borrower not pay and the
Lender not receive, directly or indirectly in any manner whatsoever, interest in
excess of that which may legally be paid by the Borrower under applicable law.
The right to accelerate maturity of any of the Revolving Loans does not include
the right to accelerate any interest that has not otherwise accrued on the date
of such acceleration, and the Lender does not intend to collect any unearned
interest in the event of any such acceleration. All monies paid to the Lender
hereunder or under any of the Note or the other Loan Documents, whether at
maturity or by prepayment, shall be subject to rebate of unearned interest as
and to the extent required by Applicable Law. By the execution of this
Agreement, the Borrower covenants that (i) the credit or return of any Excess
shall constitute the acceptance by the Borrower of such Excess, and (ii) the
Borrower shall not seek or pursue any other remedy, legal or equitable , against
the Lender, based in whole or in part upon contracting for charging or receiving
any Interest in excess of the Maximum Rate. For the purpose of determining
whether or not any Excess has been contracted for, charged or received by the
Lender, all Interest at any time contracted for, charged or received from the
Borrower in connection with this Agreement, the Note or any of the other Loan
Documents shall, to the extent permitted by applicable law, be amortized,
prorated, allocated and spread in equal parts throughout the full term of the
Commitment. The Borrower and the Lender shall, to the maximum extent permitted
under applicable law, (i) characterize any non-principal payment as an expense,
fee or premium rather than as Interest and (ii) exclude voluntary prepayments
and the effects thereof. The provisions of this Section shall be deemed to be
incorporated into each Note and each of the other Loan Documents (whether or not
any provision of this Section is referred to therein). All such Loan Documents
and communications relating to any interest owed by the Borrower and all figures
set forth therein shall, for the sole purpose of computing the extent of
obligations hereunder and under the Note and the other Loan Documents be
automatically recomputed by the Borrower, and by any court considering the same,
to give effect to the adjustments or credits required by this Section.

         SECTION 7.12 Interpretation. No provision of this Agreement or any of
                      --------------
the other Loan Documents shall be construed against or interpreted to the
disadvantage of any party hereto by any court or other governmental or judicial
authority by reason of such party having or being deemed to have structured or
dictated such provision.

                                       44
<PAGE>

         SECTION 7.13 Waiver of Jury Trial; Consent to Jurisdiction. The
                      ---------------------------------------------
Borrower (a) and the Lender each irrevocably waives, to the fullest extent
permitted by law, any and all right to trial by jury in any legal proceeding
arising out of this Agreement, any of the other Loan Documents, or any of the
transactions contemplated hereby or thereby, (b) submits to the nonexclusive
personal jurisdiction in the State of Georgia, the courts thereof sitting in
Fulton County, Georgia and the United States District Courts sitting in Fulton
County, Georgia, for the enforcement of this Agreement, the Note and the other
Revolving Loan Documents, (c) waives any and all personal rights under the law
of any jurisdiction to object on any basis (including, without limitation,
inconvenience of forum) to jurisdiction or venue within the State of Georgia for
the purpose of litigation to enforce this Agreement, the Note or the other Loan
Documents, and (d) agrees that service of process may be made upon it in the
manner prescribed in Section 7.1 for the giving of notice to the Borrower.
Nothing herein contained, however, shall prevent the Lender from bringing any
action or exercising any rights against any security and against the Borrower
personally, and against any assets of the Borrower, within any other state or
jurisdiction.

         SECTION 7.14 Arbitration.
                      -----------

         (a) Binding Arbitration. Upon demand of any party, whether made before
             -------------------
or after institution of any judicial proceeding, any dispute, claim or
controversy arising out of, connected with or relating to the Note or any other
Loan Documents ("Disputes"), between or among parties to the Note or any other
Loan Document shall be resolved by binding arbitration as provided herein.
Institution of a judicial proceeding by a party does not waive the right of that
party to demand arbitration hereunder. Disputes may include, without limitation,
tort claims, counterclaims, claims brought as class actions, claims arising from
Loan Documents executed in the future, or claims concerning any aspect of the
past, present or future relationships arising out of or connected with the Loan
Documents. Arbitration shall be conducted under and governed by the Commercial
Financial Disputes Arbitration Rules (the "Arbitration Rules") of the American
Arbitration Association (the "AAA") and Title 9 of the U.S. Code. All
arbitration hearings shall be conducted in Atlanta, Georgia. The expedited
procedures set forth in Rule 51, et seq. of the Arbitration Rules shall be
                                 ------
applicable to claims of less than $1,000,000. All applicable statutes of
limitation shall apply to any Dispute. A judgment upon the award may be entered
in any court having jurisdiction. The panel from which all arbitrators are
selected shall be comprised of licensed attorneys. The single arbitrator
selected for expedited procedure shall be a retired judge from the highest court
of general jurisdiction, state or federal, of the state where the hearing will
be conducted. The arbitrators shall be appointed as provided in the Arbitration
Rules.

         (b) Preservation of Certain Remedies. Notwithstanding the preceding
             --------------------------------
binding arbitration provisions, First Union preserves, without diminution,
certain remedies that First Union may employ or exercise freely, either alone,
in conjunction with or during a Dispute. First Union shall have and hereby
reserves the right to proceed in any court of proper jurisdiction or by

                                       45
<PAGE>

self help to exercise or prosecute the following remedies if and to the extent
applicable: (i) all rights to foreclose against any real or personal property or
other security by exercising a power of sale granted in the Loan Documents or
under applicable law or by judicial foreclosure and sale, (ii) all rights of
self help including peaceful occupation of property and collection of rents, and
peaceful possession of property, and (iii) obtaining provisional or ancillary
remedies including injunctive relief, sequestration, garnishment, attachment,
appointment of receiver and in filing an involuntary bankruptcy proceeding.
Preservation of these remedies does not limit the power of an arbitrator to
grant similar remedies that may be requested by a party in a Dispute.

         SECTION 7.15 Counterparts. This Agreement may be signed in any number
                      ------------
of counterparts, each of which shall be an original, with the same effect as if
the signatures thereto and hereto were upon the same instrument.

         SECTION 7.16 Source of Funds -- ERISA. The Lender hereby represents to
                      ------------------------
the Borrower that no part of the funds to be used by the Lender to fund the
Revolving Loans hereunder from time to time constitutes (i) assets allocated to
any separate account maintained by the Lender in which any employee benefit plan
(or its related trust) has any interest nor (ii) any other assets of any
employee benefit plan. As used in this Section, the terms "employee benefit
plan" and "separate account" shall have the respective meanings assigned to such
terms in Section 3 of ERISA.

         SECTION 7.17 CCS Agreements and Acknowledgements. On or prior to the
                      -----------------------------------
Funding Date, the Borrower shall cause CCS to execute a letter agreement in
favor of the Lender (the "Side Letter"), pursuant to which CCS acknowledges and
agrees to the terms hereof, and specifically agrees for the benefit of the
Lender as follows:

         (a) that CCS acknowledges and agrees that, pursuant to Section 2.2,
each Revolving Loan made by the Lender to the Borrower, when funded into the
Payment Services Account, will be deemed automatically an Intercompany Loan from
the Borrower to CCS, and that CCS hereby irrevocably requests that the Borrower
(through the Lender) make each such Intercompany Loan;

         (b) that CCS acknowledges and agrees that, pursuant to Section 2.2, any
excess collected balances in the Payment Services Account will be applied
automatically to repay the Intercompany Loans, and the proceeds of such
repayment will be applied automatically to repayment of any outstanding
Revolving Loans made by the Lender to the Borrower, and that CCS hereby
irrevocably instructs the Lender to so apply such excess collected balances;

         (c) that CCS acknowledges and agrees to each of the other terms of the
Cash Management Arrangement, as set forth on Exhibit B and in Section 2.2; and
                                             ---------

                                       46
<PAGE>

         (d) that CCS acknowledges and agrees that the Lender has the right to
set off against the Payment Services Account any balances collected therein for
any Obligations not paid by the Borrower when owing under this Agreement.

     [Remainder of page intentionally blank; signatures appear on next page]

                                       47
<PAGE>

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

[CORPORATE SEAL]                       CERTEGY INC.

                                       By: /s/ Kent E. Mast
                                           -------------------------------------
                                       Name: Kent E. Mast
                                       Title: Vice President and Secretary

                                       Notice addresses:
                                       ----------------

                                       11720 Amberpark Drive, Suite 600
                                       Alpharetta, GA  30004
                                       Attention: Bruce S. Richards
                                       Corporate Vice President, General Counsel
                                       and Secretary
                                       Telecopy Number: (678) 867-8100

              With a copy to:          Certegy Inc.
                                       P.O. Box 349
                                       Alpharetta, Georgia 30009
                                       Attention: Mr. Michael T. Vollkommer
                                       Corporate Vice President and CFO
                                       Telecopy Number: (678) 867-8100

                                       FIRST UNION NATIONAL BANK, as Lender

                                       By: /s/ Dawn P. Weiss
                                           -------------------------------------
                                       Name: Dawn P. Weiss
                                       Title: Vice President

                                       Lending Office
                                       --------------

                                       301 S. College Street, DC-5
                                       Charlotte, North Carolina  28288-0760
                                       Attention: Dave Driggers
                                       Portfolio Management, Business and
                                       Consumer Services
                                       Telephone No.: (704) 715-8098
                                       Telecopy No.:  (704) 383-7611<PAGE>

                                                                    EXHIBIT 10.7

                              ACQUISITION AGREEMENT

                                  by and among

                         EQUIFAX PAYMENT SERVICES, INC.

                        EQUIFAX DO BRASIL HOLDINGS LTDA.

                    ANDRADE GUTIERREZ TELECOMUNICACOES LTDA.

                             ANDRADE GUTIERREZ S.A.

                       CONSTRUTORA ANDRADE GUTIERREZ S.A.

                                       and

                   UNNISA-SOLUCOES EM MEIOS DE PAGAMENTO LTDA.

                          Effective as of May 24, 2001

                             Kilpatrick Stockton LLP
                              1100 Peachtree Street
                             Atlanta, Georgia 30309
<PAGE>

                              SCHEDULE OF EXHIBITS
                              --------------------

       Exhibit A-1               Articles of Association for EV1

       Exhibit A-2               Articles of Association for EV2

       Exhibit B                 Certain Accounts Payable

       Exhibit C                 Lawsuit Dismissal

       Exhibit D                 Arbitration Dismissal

       Exhibit E                 Tozzini Freire Teixera e Silva Legal Opinion

       Exhibit F-1               Kilpatrick Stockton LLP Legal Opinion

       Exhibit F-2               Mundie e Advogados Legal Opinion
<PAGE>

                              ACQUISITION AGREEMENT

         THIS AGREEMENT is made and entered into effective as of the ___ day of
May, 2001, by and among:

         (1)    EQUIFAX PAYMENT SERVICES, INC., a corporation organized and
existing under the laws of the State of Delaware, United States of America,
whose principal place of business is located at 11601 Roosevelt Boulevard, St.
Petersburg, Florida 33716, United States of America ("EFX");
                                                      ---

         (2)    EQUIFAX DO BRASIL HOLDINGS LTDA., a Brazilian limited liability
company ("sociedade por quotas de responsabilidade limitada"), whose head office
is located at Av. Presidente Juscelino Kubitschek, n.(Degree) 50, 17th Floor,
suite 172, room 4, in the City of Sao Paulo, State of Sao Paulo, Federal
Taxpayers' No. 02.677.368/0001-14, with its Articles of Association recorded at
the Commercial Registry at the State of Sao Paulo, under NIRE No.
35,215,207,148, on July 20, 1998 ("Holdings", and together with EFX,
                                   --------
collectively referred to as "Equifax");
                             -------

         (3)    ANDRADE GUTIERREZ TELECOMUNICACOES LTDA., a Brazilian limited
liability company ("sociedade por quotas de responsabilidade limitada"), whose
head office is located at Avenida Maria Coelho de Aguiar, 215, Bloco D, 4th
floor, in the city of Sao Paulo, State of Sao Paulo, Federal Taxpayers'
Registration No. 71.057.921/0001-39, with its Articles of Association registered
before the Board of Trade of the State of Sao Paulo ("JUCESP") under NIRE
35.213.834.579, in section as of March 03, 1995 ("AG Telecom");
                                                  ----------

         (4)    ANDRADE GUTIERREZ S.A., a Brazilian corporation ("sociedade
anonima"), whose head office is located at Rua dos Pampas, 484, suite 54, in the
city of Belo Horizonte, State of Minas Gerais, Federal Taxpayers' Registration
No. 17.262.197/0001-30, with its by-laws recorded at the Board of Trade of the
State of Minas Gerais ("JUCEMG") under No. 313.000.1481-9, in section as of June
23, 2000 ("AG Parent" and the "Seller");
           ---------           ------

         (5)    CONSTRUTORA ANDRADE GUTIERREZ S.A., a Brazilian corporation
("sociedade anonima"), whose head office is located at Rua dos Pampas, 484, in
the city of Belo Horizonte, State of Minas Gerais, Federal Taxpayers'
Registration No. 17.262.213/0001-94, with its by-laws recorded at the Board of
Trade of the State of Minas Gerais ("JUCEMG") under No. 313.000.918-30, in
section as of September 02, 1948 ("Construtora AG "; and together with AG
                                               --
Telecom and AG Parent, the "AG Group"); and
                            --------

         (6)    UNNISA-SOLUCOES EM MEIOS DE PAGAMENTO LTDA., a Brazilian limited
liability company ("sociedade por quotas de responsabilidade limitada"), whose
head office is located in the City and State of Sao Paulo, at Av. Maria Coelho
Aguiar 215, Bloco D - 4th Floor, enrolled at the Federal Taxpayers' Registry
under No. 69.313.674/0001-42 ("Unnisa").
                               ------

                              BACKGROUND STATEMENT

         WHEREAS, on April 23, 2001, AG Telecom transferred to AG Parent all the
quotas of Unnisa held by AG Telecom, together with all of its rights and
obligations to subscribe for

                                       1
<PAGE>

additional quotas of Unnisa (pursuant to the 23rd Amendment to the Articles of
Association of Unnisa);

         WHEREAS, on the date of this Agreement the Seller owns, directly and in
the aggregate, certain quotas and those additional quotas which AG Telecom has
subscribed to purchase which, in the aggregate, equal 20.335% of the outstanding
quotas (the "Quotas") of Unnisa; and
             ------

         WHEREAS, AG Telecom, Construtora AG, Holdings and others are all
parties to that certain Quotaholders Agreement entered into on or about June 28,
1999 (the "Quotaholders Agreement"), as modified by that certain Modification of
           ----------------------
Quotaholders Agreement entered into on or about April 26, 2001 (the
"Modification"); and
 ------------

         WHEREAS, the Seller desires to sell to Holdings or its Designee (this
term and other capitalized terms used in this Agreement being defined in either
Paragraph 14.1 of this Agreement or in those Paragraphs of this Agreement
identified in Paragraph 14.2) on the Closing Date, all of the Quotas, and
Equifax or its Designee desires to purchase and take from the Seller all of the
Quotas (such sale and purchase being referred to herein as the "Transaction");
                                                                -----------

         NOW, THEREFORE, for and in consideration of the premises and the mutual
covenants and agreements in this Agreement contained, and other good and
valuable consideration, the receipt and sufficiency of which are acknowledged,
the Parties agree as follows:

1.       THE ACQUISITION

         1.1      Acquisition and Sale of the Seller's Interest.

         (a)      Subject to the terms contained in this Agreement, on the
Closing Date the Seller shall sell, transfer and assign to Equifax or, if so
elected by Equifax, to any Designee, the Quotas for an aggregate purchase price
of R$ 64,200,000 ("Acquisition Price"), all of which Quotas shall be free and
                   -----------------
clear of any and all Liens. The Acquisition Price shall be paid as described in
Paragraph 1.1(c) below.

         (b)      Against payment of the Acquisition Price, the Parties shall
execute the proper amendment to the Articles of Association of Unnisa in order
to reflect the transfer of the Quotas to Equifax or its Designee.

         (c)      The Acquisition Price shall be paid in full by delivery of all
of the quotas of EV2 by EV1 to the Seller, all of which quotas shall be free and
clear of any and all Liens. Simultaneously therewith, the Parties shall execute
the proper amendment to the Articles of Association of EV2 in order to reflect
the transfer of all the quotas of EV2 to AG Telecom, AG Parent or such of their
respective affiliates as shall be a legal entity organized under the laws of
Brazil..

         (d)      Unnisa acknowledges and agrees that, simultaneously with the
Closing, EV1 has paid (i) R$ 1,998,386.00 in cash to Unnisa in full and final
satisfaction of AG Telecom's liability for previously subscribed quotas
(pursuant to the 23rd Amendment to the Articles of Association of Unnisa), and
(ii) R$ 161,176.04 in cash to Unnisa in full and final satisfaction of AG
Telecom's liability for previously incurred accounts receivable as reflected on
Exhibit

                                       2
<PAGE>

B. Unnisa acknowledges and agrees that AG Telecom shall have no further
liability in respect of either of the foregoing obligations.

         (e)      The Seller will be solely responsible for the payment of all
Taxes, including without limitation, all transfer, sales, stamp duties, use,
excise, value added and similar taxes imposed by any Government, in connection
with the transfer of the Quotas to the Seller by AG Telecom and the sale of the
Quotas to Equifax or its Designee.

         (f)      The Seller, AG Telecom and Construtora AG acknowledge that
Equifax shall retain R$ 120,420.49 of the Acquisition Price as reimbursement for
certain expenses.

2.       TRANSACTION STRUCTURE

         2.1      AG Telecom's Obligations. Immediately prior to the Closing, AG
Telecom and AG Parent shall execute, together with Holdings, the proper
amendment to the Articles of Association of Unnisa to reflect the transfer of
the Quotas to AG Parent, as stated in the Background Statements of this
Agreement. The transfer of the Quotas shall be at their book value based upon
the books and records of AG Telecom, which both AG Telecom and the Seller
represent and warrant to Equifax is, and shall be at the date of transfer and on
the Closing Date, R$ 35,291,671.00 (the "Book Value").
                                         ----------

         2.2      Equifax's Obligations.

         (a)      Prior to the Closing, Equifax or any of its Affiliates shall
incorporate AGES Participacoes S.A., a Brazilian corporation ("sociedade
anonima") ("EV1"). The amount of the corporate capital of EV1 shall be equal to
            ---
R$ 128,400,000. The purchase price for the quotas of EV1 shall be paid in cash
by Equifax (or any of its Affiliates) in Brazilian reais. Upon incorporation,
and at the Closing Date, EV1 shall have no assets other than the cash proceeds
from the subscription of the quotas of EV1, and will have upon incorporation and
at all times up through and including the Closing Date no liabilities (other
than for its liabilities and obligations arising pursuant to this Agreement).
The Articles of Association of EV1 shall be in the form attached hereto as
Exhibit A-1.

         (b)      Promptly following the incorporation of EV1 as provided above,
EV1 shall incorporate Card/AGT Swapco Ltda., a Brazilian limited liability
company ("sociedade comercial por quotas de responsabilidade limitada") ("EV2").
                                                                          ---
The amount of the corporate capital of EV2 shall be equal to R$ 61,920,017.47.
The purchase price for the quotas of EV2 shall be paid in cash by EV1 in
Brazilian reais. Upon incorporation, and at the Closing Date, EV2 shall have no
assets other than the cash proceeds from the subscription of the quotas of EV2,
and will have upon incorporation and at all times up through and including the
Closing Date no liabilities. The Articles of Association of EV2 shall be in the
form attached hereto as Exhibit A-2.

3.       CLOSING

         3.1      Closing. Subject to the conditions contained in Articles 8 and
9 having been satisfied or waived in writing in accordance with the terms of
this Agreement, the consummation of the transactions contemplated in this
Agreement (the "Closing") will take place at the offices of Mundie e Advogados,
                -------
located at Av.Presidente Juscelino Kubitschek, n.(Degree)50, 17th floor, Sao
Paulo, Brasil, commencing at 9:00 a.m., local time, on May 24, 2001, or

                                       3
<PAGE>

any other date as may be mutually acceptable to the Parties (the date of the
Closing being referred to in this Agreement as the "Closing Date"); provided,
                                                    ------------
however, that the Transaction shall for all purposes be effective as of 12:01
a.m., Sao Paulo time, on May 24, 2001. To facilitate the Closing, the Parties
will meet at a pre-closing conference at the offices of Mundie e Advogados,
commencing at 9:00 a.m., local time, on the first Business Day immediately
preceding the Closing Date, with the intention to finalize the Closing matters
contemplated in this Agreement in a timely manner so as to cause the Closing to
occur on the Closing Date.

         3.2      Cooperation and Further Assurances. Between the date of this
Agreement and Closing, each Party shall take, and shall cause all of its
relevant Affiliates to take, any and all other and further actions required,
necessary or convenient to carry out the intent and purpose of the Transaction
and this Agreement. At Equifax's reasonable request, whether on or after the
date of this Agreement, and without the payment of any additional monies, the
Seller, Construtora AG and AG Telecom will, at their sole expense and without
contribution by or Liability to Equifax or Unnisa, execute and deliver any and
all further documents and instruments of conveyance, assignment, and transfer
and will take any and all further reasonable actions as may be necessary, in the
reasonable opinion of Equifax, to transfer and convey to Equifax all right,
title and interest in and to the Quotas, free and clear of any and all Liens or
as may otherwise be necessary or desirable to carry out the intent of this
Agreement.

4.       ADDITIONAL COVENANTS

         4.1      Cooperation. The Parties will cooperate fully with each other
and with their respective Representatives in connection with any steps required
to be taken as part of their respective obligations under this Agreement, and
all Parties will use their best efforts to consummate the transactions
contemplated by this Agreement and to fulfill their obligations under this
Agreement, including without limitation, causing to be fulfilled at the earliest
practical date the conditions precedent to the obligations of the Parties to
consummate the transactions contemplated by this Agreement. Without the prior
written consent of the other Parties, no Party may take any intentional actions,
or omit to take any actions, that would cause the conditions precedent to the
obligations of the Parties not to be fulfilled, including, without limitation,
taking or causing to be taken any action which would cause the representations
and warranties made by a Party in this Agreement not to be true, correct and
complete as of the Closing. For a period of three (3) years following the
Closing, Unnisa and its Affiliates, on the one hand, and the Seller and AG
Telecom, on the other hand, agree to use their reasonable efforts to cooperate
with the other and act as an advisor to the other in furtherance and promotion
of their respective businesses, it being expressly understood and agreed that no
fees or other compensation shall be payable in respect of such cooperation and
advisory services unless the relevant Persons shall have expressly agreed in
writing to the payment of any such fees or other compensation.

         4.2      Expenses. The Parties will bear their own legal, accounting,
broker, intermediary and other fees and expenses related to the transactions
contemplated by this Agreement.

         4.3      Update of Information. All documents, agreements, instruments,
statements, copies and other writings furnished to or for the benefit of
Equifax, the Seller, Construtora AG, AG Telecom or any of their Representatives
pursuant to this Agreement are and will be true, correct and complete as of the
date furnished, and any and all amendments and

                                       4
<PAGE>

supplements to the documents, agreements, instruments, statements and other
writings furnished to or for the benefit of Equifax, the Seller, Construtora AG,
AG Telecom or any of their Representatives pursuant to this Agreement have been
or will be delivered to Equifax, the Seller, Construtora AG, AG Telecom and
their Representatives in a timely and expeditious manner prior to the Closing.
At all times prior to and including the Closing Date, AG Telecom, Construtora
AG, the Seller and Equifax will promptly provide one another with written
notification of any event, occurrence or other information of any kind
whatsoever which affects, or may affect, the continued truth, correctness or
completeness of any representation, warranty, covenant or agreement made in this
Agreement by a Party or any document, agreement, instrument, certificate or
writing furnished to or for the benefit of a Party by any other Party pursuant
to or in connection with this Agreement, and each written notification will
specifically identify any and all of the representations, warranties, covenants
and agreements affected by the fact, event, occurrence or information that
necessitated the giving of the notice. No notification or other disclosure will
be deemed to amend or supplement this Agreement or any representation, warranty,
covenant, agreement or indemnity or any other document, agreement, instrument,
certificate or writing furnished to or for the benefit of any Party pursuant to
or in connection with this Agreement.

         4.4      Brokers. AG Telecom, Construtora AG and AG Parent represent
and warrant to Equifax that no broker or finder has acted on their behalf in
connection with this Agreement or the transactions contemplated in this
Agreement, and AG Telecom, Construtora AG and AG Parent, jointly and severally,
agree to indemnify Equifax and Unnisa and hold each of them harmless from and
against any and all claims or demands for commissions or other compensation by
any broker, finder or similar agent claiming to have been employed by or on
behalf of them. Equifax represents and warrants that no broker or finder has
acted on its behalf or in behalf of itself or Unnisa in connection with this
Agreement or the transactions contemplated in this Agreement and agrees to
indemnify AG Telecom, Construtora AG and Seller and hold each of them harmless
from and against any and all claims or demands for commissions or other
compensation by any broker, finder or similar agent claiming to have been
employed by or on behalf of Equifax or Unnisa.

         4.5      Publicity. Except to the extent required by applicable Law or
listing agreement with any securities exchange, all press releases and other
public announcements respecting the subject matter of this Agreement will be
made only with the mutual agreement of AG Parent and Equifax, which agreement
will not be unreasonably withheld, delayed or conditioned. Prior to submitting
any information to third parties as required by applicable Law or listing
agreement with any securities exchange, each Party will provide the other
Parties with a reasonable opportunity to review and comment on the terms upon
which such information will be disclosed.

         4.6      Certain Governmental Filings. The Parties will make, or cause
to be made, all filings and submissions required to be made to any Government in
connection with the transactions contemplated by or resulting from this
Agreement, if any. Each of the Parties will furnish to the other Parties any and
all necessary information and reasonable assistance as another Party may
reasonably request in connection with its preparation of necessary filings or
submissions to any Government. Prior to filing any material application,
registration, statement or other document with the applicable governmental
authority, each Party will provide the other Parties with a reasonable
opportunity to review and comment on each such application, registration,
statement or other document. Each of the Parties hereby covenants and agrees
that it will not take a position on any tax return or report or any other

                                       5
<PAGE>

governmental filing or report, or take a position in any Forum or before any
Government different from or in any way inconsistent with those taken in, or in
connection with, this Agreement.

         4.7      Dismissal of Litigation.

         (a)      Simultaneous with the Closing, the Parties shall file, through
their respective counsel, with the United States District Court, Northern
District of Georgia, Atlanta Division, fully executed original documents, in the
same form as Exhibit C attached hereto, to effectuate the dismissal of Equifax
Inc. and Equifax do Brasil Holdings Ltda. v. Andrade Gutierrez Telecomunicacoes
Ltda. and Socma Americana S.A., Civil Action File No. 1:01-CV-0837.

         (b)      Simultaneous with the Closing, the Parties shall file, through
their respective counsel, with the American Arbitration Association, New York,
New York, U.S.A., fully executed original documents, in the same form as Exhibit
D attached hereto, to effectuate the dismissal of In the Matter of Andrade
Gutierrez Telecomunicacoes Ltda. and Socma Americana S.A. v. Equifax Inc. and
Equifax do Brasil Holdings Ltda., Arbitration No. 50 T 181 00066 01.

5.       REPRESENTATIONS, WARRANTIES AND COVENANTS RELATING TO UNNISA.

         Having regard for the fact that (i) the AG Group is a minority
quotaholder of Unnisa, and (ii) the AG Group has only one representative
participating on the board of Unnisa, each ach of AG Telecom. Construtora and
Seller, jointly and severally, represents and warrants to Equifax, and covenants
and agrees, as of the date of this Agreement and again as of the Closing Date,
other than as reflected in the Relevant Records, to the Knowledge of each of AG
Telecom, Construtora AG and Seller:

         5.1      No Violation; Compliance with Laws. Unnisa has not failed to
comply with, nor has it received any notification of any present or past failure
by Unnisa to comply with, any Order or Laws or that its operations have not been
conducted in accordance with all applicable Laws.

         5.2      Liabilities.

         (a)      Unnisa has no Liability except (i) those reflected in Unnisa's
financial statements, (ii) those accounts payable incurred in the ordinary and
regular course of business, and (iii) those incurred in the ordinary and regular
course of business consistent with past practices .

         (b)      Unnisa is not a party to any contract or commitment to
guarantee the payment or performance of any Liability of any other Person, or
pursuant to which Unnisa, or its respective assets, properties, business or
revenue, is or may become liable for the indebtedness or other obligations of
any other Person.

         5.3      Intellectual Property Rights. Unnisa has not received any
notice, complaint, threat or claim alleging infringement of, any patent,
trademark, trade name, copyright, industrial design, trade secret or any other
intellectual property or proprietary right of any Person, nor has the conduct by
Unnisa of its business or its use of the Proprietary Rights

                                       6
<PAGE>

infringed any patent, trademark, trade name, copyright, industrial design, trade
secret or any other intellectual property or proprietary right of any Person
which would result in a material adverse effect on the business, prospects or
assets of Unnisa.

         5.4      Litigation; Contingencies. There are no Actions existing or
threatened against, by or affecting Unnisa, the property, business, revenues or
assets of Unnisa, in any Forum, the eventual outcome of which might have a
material adverse effect on Unnisa after the date of this Agreement.

         5.5      Absence of Certain Business Practices. None of AG Telecom, AG
Parent or Construtora AG, or any of their Affiliates, or any of their respective
officers, directors, employees, agents, nor any other Person acting on any of
their behalf has, directly or indirectly, within the past five years given or
agreed to give any gift or similar benefit to any Government employee or other
Person who is or may be in a position to help or hinder the business of Unnisa
(or to assist Unnisa in connection with any actual or proposed transaction).

         5.6      No Agreement in Anticipation of Sale. The consummation of the
transactions contemplated by this Agreement will not entitle any employee of
Unnisa to severance pay nor will it accelerate the time of payment, vesting or
increase the amount of any compensation or benefits due to any employee of
Unnisa.

         5.7      Customers and Suppliers. No material supplier or customer of
Unnisa intends to discontinue or substantially diminish or change its
relationship with Unnisa or the terms of its relationship with Unnisa; no
material supplier of Unnisa intends to increase prices or charges for goods or
services presently supplied; and no material supplier of Unnisa is likely to
become unable to continue its relationship with Unnisa, or supply the goods or
services which it presently supplies Unnisa, without significant change in the
terms and conditions to any relevant relationship or supply arrangement.

         5.8      Full Disclosure. No representation, warranty, covenant or
agreement of or relating to Unnisa contained in this Agreement or in any other
written statement or certificate delivered by the Seller, Construtora AG or AG
Telecom, pursuant to or in connection with this Agreement or in connection with
the transactions contemplated in this Agreement contains or will contain any
untrue statement of a material fact or omits or will omit to state a material
fact necessary to make the statements contained in this Agreement or in any
other written statement or certificate delivered by the Seller, Construtora AG
or AG Telecom, pursuant to this Agreement not misleading. Other than for
information that is generally known to the public or in respect of which there
has been public disclosure or in respect of which Equifax or its Affiliates has
Knowledge, there is no fact known to the Seller, Construtora AG or AG Telecom
which materially and adversely affects, or in the future may materially and
adversely affect, the business, operations, cash flows, affairs, prospects,
properties or assets, or the condition, financial or otherwise, of Unnisa or the
businesses to be conducted by Unnisa on and after the Closing Date, or its
operations, cash flows, affairs, prospects, properties or assets.

                                       7
<PAGE>

6.       REPRESENTATIONS AND WARRANTIES RELATING TO AG TELECOM, CONSTRUTORA AG
         AND AG PARENT

         Each of the Seller, AG Telecom and AG Parent, jointly and severally,
represent, warrant and covenant to Equifax, as of the date hereof and again as
of the Closing Date, as follows:

         6.1      Existence.

         (a)      AG Parent: (i) is a corporation ("sociedade anonima"), duly
organized and registered and validly existing under the laws of Brazil, and (ii)
is entitled to own or lease its assets and properties and to carry on its
business as and in the places where its business is conducted and its assets and
properties are owned or leased AG Parent: (i) is a corporation ("sociedade
anonima"), duly organized and registered and validly existing under the laws of
Brazil, and (ii) is entitled to own or lease its assets and properties and to
carry on its business as and in the places where its business is conducted and
its assets and properties are owned or leased.

         (b)      AG Telecom: (i) is a limited liability company ("sociedade por
quotas de responsabilidade limitada"), duly organized and registered and validly
existing under the laws of Brazil, and (ii) is entitled to own or lease its
assets and properties and to carry on its business as and in the places where
its business is conducted and its assets and properties are owned or leased.

         6.2      Authority; Inconsistent Obligations.

         (a)      Each of AG Parent, Construtora AG and AG Telecom has the full
right, power and authority to execute and deliver and to perform and comply with
this Agreement. All proceedings and actions required to be taken by AG Parent,
Construtora AG and AG Telecom to authorize the execution, delivery and
performance of this Agreement have been taken. This Agreement has been duly and
validly executed and delivered by each of AG Parent, Construtora AG and AG
Telecom, as appropriate, by its duly authorized officers or representatives.
This Agreement constitutes the valid and legally binding obligation, subject to
general equity principles, of each of AG Parent, Construtora AG and AG Telecom,
as appropriate, enforceable in accordance with its respective terms, except as
enforceability may be limited by bankruptcy, insolvency, reorganization or
similar laws affecting the rights of creditors generally.

         (b)      Neither the execution and delivery of this Agreement by AG
Parent, Construtora AG or AG Telecom, nor the consummation of the transactions
contemplated by this Agreement will (i) result in a violation of the Articles of
Association, Articles of Incorporation or By-Laws of AG Parent, Construtora AG
or AG Telecom, as appropriate, or on the date of this Agreement or on the
Closing Date any applicable Law or Order, (ii) violate any Order or Law
applicable to AG Parent, Construtora AG or AG Telecom, as appropriate, or (iii)
result in a breach of, conflict with or default under, any term or provision of
any indenture, note, mortgage, bond, security agreement, loan agreement,
guaranty, pledge, or other instrument, contract, agreement or commitment to
which AG Parent, Construtora AG or AG Telecom is a party or by which any of them
or any of their respective assets, properties, or businesses are subject or
bound; nor will these actions result in (w) the creation of any Lien on the
Quotas, or any of the assets, properties, businesses, revenues or profits of AG
Parent, Construtora AG or AG Telecom, (x) the acceleration or creation of any
obligation of

                                       8
<PAGE>

AG Parent, Construtora AG or AG Telecom, (y) the forfeiture of any material
right or privilege of AG Parent, Construtora AG or AG Telecom, or (z) the
forfeiture of any material right or privilege of AG Parent, Construtora AG or AG
Telecom that may affect its ability to perform under this Agreement.

         6.3      Ownership of Quotas. Seller owns the Quotas free and clear of
any and all Liens.

         6.4      No Violation; Compliance with Laws. None of AG Parent,
Construtora AG or AG Telecom is in default under or in violation of (a) its
Articles of Association, Articles of Incorporation or By-Laws, as appropriate,
or (b) any material applicable Order or Law, and each of AG Parent, Construtora
AG and AG Telecom has complied with all applicable Laws, where the failure to so
comply would have a material adverse effect on AG Parent and its consolidated
subsidiaries. None of AG Parent, Construtora AG or AG Telecom has received any
notification of any asserted present or past failure by any of AG Parent,
Construtora AG or AG Telecom to comply with any material Order or Laws, where
the asserted failure if determined adversely would have a material adverse
effect on AG Parent and it consolidated subsidiaries.

         6.5      Consents. The execution and delivery by AG Parent, Construtora
AG and AG Telecom of this Agreement, the consummation of the transactions
contemplated in this Agreement, and the performance by AG Parent, Construtora AG
or AG Telecom under this Agreement, as appropriate, do not (a) require the
consent, approval or action of, or any filing with or notice to, any Government
or other Person, other than for a notification filing to be made with the
Brazilian anti-trust authorities within fifteen (15) days after the execution of
this Agreement, (b) require the consent or approval of AG Parent's, Construtora
AG's or AG Telecom's shareholders (except for those previously obtained), or (c)
impose any other term, condition or restriction on AG Parent, Construtora AG or
AG Telecom pursuant to any applicable Order or Law.

         6.6      Litigation; Contingencies. There are no Actions existing or,
to the knowledge of any of AG Parent, Construtora AG or AG Telecom, threatened
against, by or affecting AG Parent, Construtora AG or AG Telecom, the property,
business, revenues or assets of AG Parent, Construtora AG or AG Telecom, in any
Forum, nor is there any basis for any Actions, nor do there exist any other
contingent liabilities, the eventual outcome of which might have a material
adverse effect on AG Parent and its consolidated subsidiaries after the date of
this Agreement, or which would prevent or impede the transactions contemplated
by this Agreement. None of AG Parent, Construtora AG or AG Telecom has been
charged with, or is under investigation with respect to, any material charge
concerning any violation of any provision of any Law. There are no material
unsatisfied judgments against AG Parent, Construtora AG or AG Telecom or any of
their predecessors or any other material Order to which any of AG Parent,
Construtora AG or AG Telecom, or any of AG Parent's, Construtora AG's or AG
Telecom's material assets or properties, are subject.

         6.7      Full Disclosure. No representation, warranty, covenant or
agreement of or relating to AG Parent, Construtora AG or AG Telecom contained in
this Agreement or in any other written statement or certificate delivered by any
of AG Parent, Construtora AG or AG Telecom, pursuant to or in connection with
this Agreement or in connection with the transactions contemplated in this
Agreement, contains or will contain any untrue statement of a material fact or
omits or will omit to state a material fact necessary to make the statements

                                       9
<PAGE>

contained in this Agreement or in any other written statement or certificate
delivered by any of AG Parent, Construtora AG or AG Telecom, pursuant to this
Agreement, not misleading.

7.       REPRESENTATIONS AND WARRANTIES OF EQUIFAX

         Each of EFX and Holdings, jointly and severally, represents and
warrants to, and covenants and agrees with, each of AG Parent, AG Telecom and
Construtora AG, as of the date hereof and again as of the Closing Date, as
follows:

         7.1      Organization.

         (a)      EFX: (i) is a corporation duly organized, validly existing and
in good standing under the laws of the State of Delaware, U.S.A., and (ii) is
entitled to own or lease its assets and properties and to carry on its business
as and in places where the business is conducted and the properties are owned or
leased.

         (b)      Holdings: (i) is a limited liability company ("sociedade por
quotas de responsabilidade limitada") duly organized and registered and validly
existing under the laws of Brazil, and (ii) is entitled to own or lease its
assets and properties and to carry on its business as and in places where the
business is conducted and its assets and properties are owned or leased.

         (c)      EV1, when formed: (i) will be a Brazilian corporation
("sociedade anonima") duly organized and registered and validly existing under
the laws of Brazil, (ii) will be entitled to own or lease its assets and
properties and to carry on its business as and in those places where its
business will be conducted and its assets and properties will be owned or
leased, and (iii) will have upon incorporation and at all times up through and
including the Closing Date no liabilities.

         (d)      EV2, when formed: (i) will be a limited liability company
("sociedade por quotas de responsabilidade limitada") duly organized and
registered and validly existing under the laws of Brazil, (ii) will be entitled
to own or lease its assets and properties and to carry on its business as and in
those places where its business will be conducted and its assets and properties
will be owned or leased, and (iii) will have upon incorporation and at all times
up through and including the Closing Date no liabilities.

         7.2      Authority; No Inconsistent Agreements. Each of EFX and
Holdings has full power and authority to make, execute and perform this
Agreement and the transactions contemplated by this Agreement. This Agreement
and all transactions required under this Agreement to be performed by Equifax
have been duly and validly authorized and approved by all necessary corporate
action on its part. This Agreement has been duly and validly executed and
delivered on behalf of each of EFX and Holdings by its duly authorized officers,
and this Agreement constitutes the valid and legally binding obligation of each
of them, enforceable, subject to general equity principles, in accordance with
its terms, except as enforceability may be limited by bankruptcy, insolvency,
reorganization or similar laws affecting the rights of creditors generally.
Neither the execution and delivery of this Agreement, nor the consummation of
the transactions contemplated by this Agreement, will constitute a violation or
breach of the articles of incorporation or by-laws or other organizational
document of either of them and will (i) violate any Order or Law applicable to
either EFX or Holdings, or (iii) result in a breach of, conflict with or default
under, any term or provision of any indenture, note, mortgage, bond, security
agreement, loan agreement,

                                       10
<PAGE>

guaranty, pledge, or other instrument, contract, agreement or commitment to
which either EFX or Holdings is a party or by which any of them or any of their
respective assets, properties, or businesses are subject or bound; nor will
these actions result in the forfeiture of any material right or privilege of
either EFX or Holdings that may affect its ability to perform this Agreement.

         7.3      Consents. The execution and delivery by each of EFX and
Holdings of this Agreement, the consummation of the transactions contemplated in
this Agreement and the performance by each of EFX and Holdings under this
Agreement do not: (a) require the consent, approval or action or, or any filing
with or notice to, any Government or other person, other than for a notification
filing to be made with the Brazilian anti-trust authorities within fifteen (15)
days after the date of this Agreement, or (b) require the consent or approval of
the EFX shareholders or the Holdings quotaholders, except for those previously
obtained.

         7.4      Litigation; Contingencies. There are no Actions existing or,
to the knowledge of either EFX or Holding, threatened against, by or affecting
EFX or Holdings, which might have a material adverse effect on EFX or Holdings
and its consolidated subsidiaries after the date of this Agreement, or which
would prevent or impede the transactions contemplated by this Agreement. None of
EFX or Holdings has been charged with, or is under investigation with respect
to, any material charge concerning any violation of any provision of any Law.

         7.5.     Full Disclosure. No representation, warranty, covenant or
agreement of or relating to EFX or Holdings contained in this Agreement or in
any other written statement or certificate delivered by either EFX or Holdings,
pursuant to or in connection with this Agreement or in connection with the
transactions contemplated in this Agreement, contains or will contain any untrue
statement of a material fact or omits or will omit to state a material fact
necessary to make the statements contained in this Agreement or in any other
written statement or certificate delivered by either EFX or Holdings, pursuant
to this Agreement, not misleading.

8.       CONDITIONS TO OBLIGATIONS OF EQUIFAX

         The obligations of Equifax under this Agreement are subject to the
fulfillment and satisfaction of each and every one of the following conditions
on or prior to the Closing, any or all of which may be waived in writing in
whole or in part by Equifax:

         8.1      Proceedings and Documents Satisfactory. All proceedings taken
in connection with the consummation of the transactions contemplated in this
Agreement and all documents and papers reasonably required in connection with
this Agreement, will be reasonably satisfactory to Equifax and its counsel, and
Equifax and its counsel will have timely received copies of the relevant
documents and papers, all in form and substance satisfactory to Equifax and its
counsel, as reasonably requested by Equifax or its counsel, provided that such
request is essential for the completion of the transactions contemplated in this
Agreement.

         8.2      Representations and Warranties. The representations and
warranties contained in this Agreement and in any certificate, instrument,
schedule, agreement or other writing delivered by or on behalf of, or in respect
of, the Seller, Construtora AG or AG Telecom in connection with the transactions
contemplated by this Agreement will be true and

                                       11
<PAGE>

correct as of the date when made and will be deemed to be made again at and as
of the Closing Date and will be true and correct at and as of the Closing Date.

         8.3      Compliance with Covenants and Conditions. The Seller,
Construtora AG and AG Telecom will have performed and complied with all
covenants, agreements and conditions required by this Agreement to be performed
or complied with by it prior to or on the Closing Date.

         8.4      Closing Certificates. The Seller, Construtora AG and AG
Telecom will have delivered to Equifax certificates, executed by the appropriate
officers or other Representative of each party, dated as of the Closing,
certifying in such detail as Equifax may request as to the fulfillment and
satisfaction of the conditions specified in Paragraphs 8.2 and 8.3.

         8.5      Opinion of Counsel. Equifax will have received from Tozzini
Freire Teixera e Silva, special Brazilian legal counsel for AG Telecom,
Construtora AG and AG Parent, a legal opinion, dated as of the Closing Date, in
substantially the form set forth in Exhibit E to this Agreement.

         8.6      Consents. Equifax will have received from any and all Persons
and Governments any and all relevant consents, authorizations and approvals as
are necessary for the consummation of the transactions contemplated by this
Agreement, and all notices required to be given to all Persons and Governments
will have been given and all applicable waiting periods will have expired.

         8.7      No Inconsistent Requirements. No Action will have been
commenced by any Government or Person seeking to enjoin or prohibit the
transactions contemplated by this Agreement.

         8.8      No Injunction. No temporary restraining order, preliminary or
permanent injunction or other order by any court of competent jurisdiction which
prohibits the consummation of the transactions contemplated in this Agreement
will have been issued and remain in effect on the Closing Date; provided,
however, that the Parties will use all reasonable efforts to have each and every
relevant order or injunction vacated or reversed prior to the Closing Date.

         8.9      Resignations. Any and all representatives of AG Telecom,
Construtora AG or the Seller or other persons appointed by or at the direction
or request of any of them who currently serve Unnisa as a manager, director,
officer or representative shall have resigned from such positions prior to the
Closing Date.

         8.10     Miscellaneous. Equifax and its counsel will have received any
and all other opinions, certifications, documents, instruments and agreements
from the Seller, Construtora AG and AG Telecom and their respective counsel, as
Equifax and its counsel may reasonably request, provided that such request is
essential for the completion of the transactions contemplated in this Agreement.

9.       CONDITIONS TO OBLIGATIONS OF THE SELLER, CONSTRUTORA AG AND AG TELECOM

         The obligations of the Seller, Construtora AG and AG Telecom under this
Agreement are subject to the fulfillment and satisfaction of each and every of
the following conditions on

                                       12
<PAGE>

or prior to the Closing, any or all of which may be waived in whole or in part
by the Seller, Construtora AG and AG Telecom:

         9.1      Proceedings and Documents Satisfactory. All proceedings taken
in connection with the consummation of the transactions contemplated in this
Agreement and all documents and papers reasonably required in connection with
this Agreement, will be reasonably satisfactory to the Seller and AG Telecom and
their respective counsel, and the Seller, AG Telecom and their respective
counsel will have timely received copies of the relevant documents and papers,
all in form and substance satisfactory to the Seller, AG Telecom and their
respective counsel, as reasonably requested by the Seller, AG Telecom or their
respective counsel, provided that such request is essential for the completion
of the transactions contemplated in this Agreement.

         9.2      Representations and Warranties. The representations and
warranties contained in this Agreement and in any certificate, instrument,
schedule, agreement or other writing delivered by or on behalf of, or in respect
of, Equifax in connection with the transactions contemplated by this Agreement
will be true and correct as of the date when made and will be deemed to be made
again at and as of the Closing Date and will be true and correct at and as of
the Closing Date.

         9.3      Compliance with Covenants and Conditions. Equifax will have
performed and complied with all covenants, agreements and conditions required by
this Agreement to be performed or complied with prior to or on the Closing Date.

         9.4      Closing Certificates. Equifax will have delivered to the
Seller and AG Telecom certificates, executed by the appropriate officers or
other Representative, dated as of the Closing, certifying in such detail as the
Seller or AG Telecom may request as to the fulfillment and satisfaction of the
conditions specified in Paragraphs 9.2 and 9.3.

         9.5      Authorization. Each of EFX, Holdings and EV1 will have
delivered to the Seller, Construtora AG and AG Telecom written evidence of all
requisite corporate or other approvals or authorizations necessary for such
Party to authorize and approve the execution of this Agreement by such Party and
all other action necessary to enable such Party to comply with the terms of this
Agreement.

         9.6      Consents. The Seller, Construtora AG and AG Telecom will have
received from any and all Persons and Governments any and all relevant consents,
authorizations and approvals as are necessary for the consummation of the
transactions contemplated by this Agreement, and all notices required to be
given to all Persons and Governments will have been given and all applicable
waiting periods shall have expired.

         9.7      Opinion of Counsel. The Seller and AG Telecom will have
received from Kilpatrick Stockton LLP and Mundie e Advogados, legal counsel to
Equifax, a legal opinion, dated the Closing Date, in substantially the form set
forth in Exhibits F-1 and F-2, respectively, to this Agreement.

         9.8      No Inconsistent Requirements. No Action will have been
commenced by any Government or Person seeking to enjoin or prohibit the
transactions contemplated by this Agreement.

                                       13
<PAGE>

         9.9      No Injunction. No temporary restraining order, preliminary or
permanent injunction or other order by any court of competent jurisdiction which
prohibits the consummation of the transactions contemplated in this Agreement
will have been issued and remain in effect on the Closing Date; provided,
however, that the Parties will use all reasonable efforts to have any and all
relevant order or injunction vacated or reversed prior to the Closing Date.

         9.10     Miscellaneous. The Seller, Construtora AG and AG Telecom and
its counsel will have received any and all other opinions, certifications,
documents, instruments and agreements from EFX and Holdings and their respective
counsel, as the Seller and AG Telecom and its counsel may reasonably request,
provided that such request is duly motivated and is essential for the completion
of the transactions contemplated in this Agreement.

10.      INDEMNITIES

         10.1     Indemnification of Equifax. In accordance with and subject to
the further provisions of this Article 10, AG Telecom, Construtora AG and AG
Parent (each of which is an "Indemnitor") will, jointly and severally, indemnify
                             ----------
and hold harmless Equifax and Equifax's Affiliates and their respective
officers, directors, agents and employees (collectively, "Indemnitees"), from
                                                          -----------
and against and in respect of any and all loss, damage, Liability, cost and
expense, including reasonable attorneys' fees and amounts paid in settlement
(collectively, the "Indemnified Losses"), suffered or incurred by any one or
                    ------------------
more of the Indemnitees by reason of, or arising out of:

         (a)      any misrepresentation, breach of warranty or breach or
nonfulfillment of any agreement of the Seller, Construtora AG or AG Telecom
contained in this Agreement, or in any other certificate, schedule, instrument
or document delivered to Equifax by or on behalf of the Seller, Construtora AG
or AG Telecom pursuant to or in connection with the provisions of this
Agreement;

         (b)      any and all Taxes in respect of or measured by income or
relating to capital gains or other similarly imposed Taxes arising from or in
connection with the sale of the Quotas as contemplated by or provided for in
this Agreement; and

         (c)      any and all Actions, suits, proceedings, claims, demands,
assessments, judgments, fees and expenses, incident to any of the foregoing or
incurred in investigating or attempting to avoid any Actions, suits,
proceedings, claims, demands, assessments, judgments, fees and expenses or to
oppose the imposition of any Actions, suits, proceedings, claims, demands,
assessments, judgments, fees and expenses, or in enforcing this Agreement in
connection with any breach or default or threatened breach or default by an
Indemnitor, including without limitation the provisions of this Article 10.

         10.2     Indemnification of AG Telecom, Construtora AG and AG Parent by
Equifax. In accordance with and subject to the further provisions of this
Article 10, each of EFX and Holdings (collectively, the "EFX Indemnitors") will,
                                                         ---------------
jointly and severally, indemnify and hold harmless each of AG Telecom, AG
Parent, their affiliates and respective officers, directors, agents and
employees (collectively "AG Indemnitees") from and against and in respect of any
                         --------------
and all loss, damage, Liability, cost and expense, including reasonable
attorneys' fees and amounts paid in settlement (collectively, the "AG
                                                                   --
Indemnified Losses") suffered or incurred by any one or more of the Indemnitees
------------------
by reason of, or arising out of:

                                       14
<PAGE>

         (a)      any misrepresentation, breach of warranty or breach or
nonfulfillment of any agreement of Equifax contained in this Agreement or in any
certificate, schedule, instrument or document delivered to AG Telecom,
Construtora AG or AG Parent by or on behalf of Equifax pursuant to the
provisions of this Agreement;

         (b)      any liabilities of EV1 or EV2 incurred prior to the Closing
and unrelated to the transactions contemplated by this Agreement; and

         (c)      any and all Actions, suits, proceedings, claims, demands,
assessments, judgments, fees and expenses, incident to any of the foregoing or
incurred in investigating or attempting to avoid any Actions, suits,
proceedings, claims, demands, assessments, judgments, fees and expenses or to
oppose the imposition of any Actions, suits, proceedings, claims, demands,
assessments, judgments, fees and expenses, or in enforcing this Agreement in
connection with any breach or default or threatened breach or default by the
Indemnitor, including without limitation the provisions of this Article 10.

         10.3     No Contribution by Unnisa. Unnisa will not have any Liability
to any of AG Telecom, Construtora AG or AG Parent as a result of any
misrepresentation or breach of representation or warranty relating to Unnisa
contained in this Agreement or any certificate, schedule, instrument, agreement
or other writing delivered by or on behalf of, or in respect of, any of AG
Telecom, Construtora AG or AG Parent pursuant to this Agreement or in connection
with the transactions contemplated by this Agreement.

         10.4     Payment. Subject to the provisions of Paragraph 10.5 below,
(i) after a final, non-appealable judgment has been rendered or a settlement has
been reached in respect of a third party claim or Action, or (ii) in the case of
a claim for Indemnified Losses arising other than pursuant to a third party
claim or Action, after the award of the Arbitral Body has been issued or a
settlement has been reached, Indemnitor shall reimburse the Indemnitees within
30 days of written demand on the Indemnitor for any amounts to which Indemnitees
are entitled to indemnification pursuant to this Article 10.

         10.5     Defense of Claims.

         (a)      Except as provided in Paragraph 10.5(b), if any Action by a
third party arises after the date of this Agreement for which Indemnitor may be
liable under the terms of this Agreement, then the Indemnitees will notify
Indemnitor(s) in accordance with the provisions of this Article 10, and will
give Indemnitor(s) a reasonable opportunity:

                  (i)      to conduct any proceedings or negotiations in
connection with the Action and necessary or appropriate to defend the
Indemnitees;

                  (ii)     to take all other required steps or proceedings to
settle or defend any Action; and

                  (iii)    to employ counsel reasonably acceptable to
Indemnitees to contest any Action in the name of the Indemnitees or otherwise.

The expenses of all proceedings, contests or lawsuits with respect to the
Actions will be borne by Indemnitor(s).

                                       15
<PAGE>

         (b)      If Indemnitor(s) do(es) not assume the defense of, or if after
so assuming the Indemnitors fail to defend, any Action, then the Indemnitees may
defend against any claim or Action in the manner they may deem appropriate and
the Indemnitees may settle any claim or Action on the terms they deem
appropriate, and Indemnitor(s) will promptly reimburse the Indemnitees for the
amount of all expenses, legal and otherwise, reasonably and necessarily incurred
by the Indemnitees in connection with the defense against and settlement of any
claim or Action. If no settlement of any claim or Action is made, Indemnitor(s)
will satisfy any judgment rendered with respect to any claim or in any Action,
before the Indemnitees are required to do so, and pay all expenses, legal or
otherwise, reasonably and necessarily incurred by the Indemnitees in the defense
of any claim or Action.

         (c)      If a judgment is rendered against any of the Indemnitees in
any Action covered by the indemnification under this Agreement, or any Lien in
respect of any judgment attaches to any of the assets of any of the Indemnitees
or Unnisa, Indemnitor(s) will immediately upon any entry or attachment pay the
relevant judgment in full or discharge the relevant Lien unless, at the expense
and direction of Indemnitor(s), an appeal is taken under which the execution of
the judgment or satisfaction of the Lien is stayed. If and when a final judgment
is rendered in any action, Indemnitor(s) will forthwith pay any judgment or
discharge any Lien before any of the Indemnitees is compelled to do so.

         (d)      Any notice required to be given to Indemnitor(s) pursuant to
Paragraph 10.5(a) shall be given no later than the latter of: (i) the end of the
first half of the term within which an answer or other response to the Action is
required to be made (the "Answer Period") and (ii) two Business Days after
                          -------------
receipt by an Indemnitee of notice of the Action. Indemnitor(s) shall assume the
defense of any Action, if at all, by notice to Indemnitees no later than the
earlier of: (i) the end of the second third of the Answer Period and (ii) three
Business Days prior to the date by which an answer or other response to the
Action is required to be made. Indemnitor(s)' failure to notify Indemnitees
within the specified time shall be conclusively deemed an election by
Indemnitor(s) not to assume such defense. Any failure by Indemnitees to give the
requisite notice within the time specified in this Paragraph 10.5(d) will not
relieve Indemnitor(s) of the obligation to indemnify Indemnitees pursuant to
this Article 10 except to the extent that the defense of any Action is
materially prejudiced by the delay.

         (e)      The Indemnitor(s) or the Indemnitees, as appropriate, shall
have the right to participate in the defense of any Action related to an
Indemnified Loss at their sole cost and expense and the cost and expense of that
participation shall not be an Indemnified Loss. Notwithstanding anything
contained in this Article 10 to the contrary, Indemnitor(s) may not settle any
claim or Action, without the prior approval of Indemnitees, which approval shall
not be unreasonably withheld, delayed or conditioned. For purposes of Paragraphs
10.4 and 10.5, "Indemnitor", "Indemnitee" and "Indemnified Losses" only, shall
mean, as appropriate, "Indemnitor", "Indemnitee" and "Indemnified Losses" as
defined in Paragraph 10.1, or "EFX Indemnitor", "AG Indemnitees" and "AG
Indemnified Losses" as defined in Paragraph 10.2.

11.      SURVIVAL.

         11.1     Survival. The representations, warranties, covenants,
agreements and indemnities of the Parties contained in this Agreement, or in any
writing delivered pursuant to the provisions of this Agreement, will continue in
full force and effect for the periods specified below (the "Survival Period"):
                                                            ---------------

                                       16
<PAGE>

         (a)      representations and warranties relating to title and ownership
of the Quotas, corporate authorization, organization, good standing and
qualification; compliance with laws, fraud or willful misrepresentation, and
completeness of disclosure, will survive indefinitely;

         (b)      representations and warranties relating to Taxes will survive
until expiration of any applicable statute or period of limitations, and any
extensions of the applicable statute or period of limitations; and

         (c)      all other representations, warranties, covenants, agreements
and indemnities will be of no further force and effect after the expiration of
three (3) years from the Closing Date;

Provided, however, that any claim for an Indemnified Loss presented in writing
to the indemnifying party (together with any relevant supporting documentation)
in accordance with the terms of this Agreement within the Survival Period will
continue to be a valid claim until resolved.

12.      TERMINATION.

         12.1     Termination for Certain Causes. This Agreement may be
terminated at any time prior to or on the Closing Date by Equifax, on the one
hand or by AG Parent on the other hand, upon written notice to the other as
follows:

         (a)      By AG Parent, if the terms, covenants or conditions of this
                     ---------
Agreement to be complied with or performed by Equifax at or before the Closing
Date will not have been complied with or performed and any noncompliance or
nonperformance will not have been waived by AG Parent.

         (b)      By Equifax, if the terms, covenants or conditions of this
                     -------
Agreement to be complied with or performed by AG Telecom, Construtora AG or AG
Parent at or before the Closing Date will not have been complied with or
performed and any noncompliance or nonperformance will not have been waived by
Equifax.

         (c)      By AG Parent or by Equifax, if any Action will have been
                     -----------------------
instituted or threatened against any party to this Agreement to restrain or
prohibit, or to obtain substantial damages in respect of, this Agreement or the
consummation of the transactions contemplated in this Agreement, which, in the
reasonable and good faith opinion of any party, makes consummation of the
transactions contemplated in this Agreement inadvisable.

         12.2     Procedure on and Effect of Termination.

         (a)      Pursuant to Paragraph 12.1 of this Agreement, written notice
of termination will be given to all other Parties by the Party electing to
terminate, and this Agreement will terminate upon the giving of notice, without
further action by any of the Parties, with the consequence and effect set forth
in this Paragraph 12.2.

         (b)      If for any reason on the Closing Date there has been
nonfulfillment of an undertaking by or covenant for Equifax or for AG Telecom,
Construtora AG and AG Parent not waived in writing by or on behalf of the Party
in whose favor the undertaking or covenant runs, the Party in whose favor the
undertaking or covenant runs, in addition to any other right or remedy available
to it for breach or non-performance of this Agreement, may refuse to

                                       17
<PAGE>

consummate the transactions contemplated by this Agreement without Liability or
obligation on its part whatsoever. Notwithstanding the foregoing, the
obligations of the Parties pursuant to Paragraphs 4.5, 4.6, 11.1, 12.1, 12.2,
13.6 and 13.7 will survive any termination.

13.      MISCELLANEOUS.

         13.1     Notices.

         (a)      All notices, demands or other communications required or
permitted to be given or made under this Agreement will be in writing and (i)
delivered personally, (ii) sent by an internationally recognized express courier
service, or (iii) sent by certified airmail, return receipt requested to the
intended recipient of the notice, demand or other communication at its address
set forth below. Any notice, demand or communication will be deemed to have been
duly given (x) immediately if personally delivered, (y) on the fourth Business
Day after delivery to an international express courier services, or (z) on the
tenth Business Day after delivery to the relevant postal service and in proving
the giving of any notice, demand or other communication, it will be sufficient
to show that the envelope containing the notice, demand or other communication
was duly addressed (as evidenced by the courier receipt). The addresses of the
Parties for purposes of this Agreement are:

                  If to AG Telecom, Construtora AG  Av. Maria Coelho Aguiar, 215
                  or AG Parent:                     Bloco D - 4o andar
                                                    Sao Paulo - SP
                                                    Brazil
                                                    Tel. 55-11-3741-8512
                                                    Fax  55-11-3741-3033
                                                    Attn. Celso F. Quintella

                  in each case with a copy to:      Attn. Tozzini Freire
                                                       Teixeira e Silva
                                                    Rua Libero Badaro, 293 - 19
                                                       Andar
                                                    CEP 01095-9000
                                                    Sao Paulo - SP - Brazil
                                                    Tel. 55-11-232-2100
                                                    Fax. 55-11-232-3100
                                                    Attn: Jose Luis de Salles
                                                          Freire

                  If to Equifax:                    Equifax Payment Services,
                                                       Inc.
                                                    11601 Roosevelt Boulevard
                                                    St. Petersburg, Florida
                                                       33716
                                                    United States of America
                                                    Attn:    Larry Towe
                                                    Executive Vice President and
                                                    Group Executive

                                                    Equifax Payment Services,
                                                       Inc.
                                                    11601 Roosevelt Boulevard
                                                    St. Petersburg, Florida
                                                       33716
                                                    United States of America
                                                    Attn.:   Walter Korchun
                                                    Assistant General Counsel

                                       18
<PAGE>

                                                    Kilpatrick Stockton LLP
                                                    Suite 2800
                                                    1100 Peachtree Street
                                                    Atlanta, Georgia 30309-4530
                                                    United States of America
                                                    Attn.:   Gregory K. Cinnamon

         (b)      Any Party may change the address to which notices, requests,
demands or other communications to the relevant Party will be delivered or
mailed by giving notice of the address change to the other Parties in the manner
provided in this Agreement.

         13.2     Counterparts. This Agreement may be executed in any number of
counterparts, each of which will be deemed an original, and all of which will
constitute one and the same instrument.

         13.3     Entire Agreement. Except as expressly set forth to the
contrary in this Paragraph 13.3, this Agreement supersedes all prior discussions
and agreements between the Parties with respect to the purchase and sale of the
Quotas as described herein and this Agreement contains the sole and entire
agreement among the Parties with respect to the purchase and sale of the Quotas.
This Agreement will not be altered or amended except by an instrument in writing
signed by or on behalf of the Party entitled to the benefit of the provision
against whom enforcement is sought.

         13.4     Reaffirmation of Certain Provisions of the Quotaholders
Agreement. Notwithstanding anything contained herein to the contrary, the
Parties hereby expressly agree that, while the Quotaholders Agreement, as
modified by the Modification, will terminate in conjunction with the
Transaction, pursuant to the terms contained in Article 8 thereof, the
provisions of Articles 5, 6 and 7 and all related interpretive provisions
thereof shall survive such termination and shall remain in full force and be
binding on and enforceable against the parties thereto.

         13.5     Governing Language. Notwithstanding the translation of this
Agreement into any other language, the official language of this Agreement is
the English language, which will be controlling. Each document, agreement,
instrument, statement, notice or other communication required or permitted to be
given in connection with this Agreement will be in the English language.

         13.6     Dispute Resolution.

         (a)      Any and all disputes (each, a "Disputed Matter") arising out
                                                 ---------------
of or in connection with the execution, interpretation, performance or
nonperformance of this Agreement will be arbitrated and settled by the
procedures established in this Paragraph 13.6.

         (b)      Disputed Matters will be solely and finally settled by
arbitration, which will be conducted in New York, New York, U.S.A., by a panel
of three arbitrators, one of whom shall be selected by Equifax, one of whom
shall be selected by the Seller, and the third of who shall be selected by the
arbitrators selected by Equifax and the Seller. The arbitration procedure may be
initiated by any of the Parties by written notice to the other Party to the
Disputed Matter. Any notice will specify in reasonable detail the dispute being
submitted to

                                       19
<PAGE>

arbitration. The Parties renounce all recourse to litigation and agree that the
award of the arbitrators will be final and subject to no judicial review.

         (c)      The arbitrators will conduct the proceedings, including
arguments and briefs, in the English language and in accordance with the
international rules (the "Rules") of the American Arbitration Association
                          -----
("Arbitral Body"); provided that the provisions of this Agreement will prevail
  -------------
in the event of any conflict between the Rules and the provisions of this
Agreement. The arbitrators will decide the issues submitted in accordance with
the provisions and commercial purposes of this Agreement, provided that all
substantive questions of law will be determined under the laws of Brazil
(without regard to the principles of conflicts of laws of any relevant state and
country). All decisions of the arbitrators will be in writing and submitted to
the Parties, and will set forth findings of fact and conclusions of law.

         (d)      The Parties will facilitate the arbitration by: (i) making
available to one another and to the arbitrators for examination, inspection and
extraction all documents, books, records and personnel under their control if
determined by the arbitrators to be relevant to the Disputed Matter; (ii)
conducting arbitration hearings to the greatest extent possible on successive
days; and (iii) observing strictly the time periods established by the Rules or
by the arbitrators for submission of evidence or briefs.

         (e)      In the final award, the arbitrators will divide all costs,
other than fees of counsel, incurred in conducting the arbitration, in any
manner as the arbitrators deem just and equitable under the circumstances.
Judgment on the award of the arbitrators may be entered into by any court having
jurisdiction over the Party against whom enforcement of the award is being
sought.

         (f)      Each Party agrees that any award of the arbitrators against it
and on which judgment is entered may be executed against the assets of that
Party in any jurisdiction, including Brazil and the United States of America. By
execution of this Agreement, each Party irrevocably consents to the jurisdiction
of any court having jurisdiction over that Party for the purpose of enforcing
any award. Each of the Parties irrevocably consents to the service of process by
registered mail, postage prepaid, international express courier, or by personal
service within or without Brazil or the State of Georgia, the State of Florida
or the State of New York, to the fullest extent permitted by applicable Law.
Each of the Parties hereby irrevocably designates and appoints CSC Network, 375
Hudson Street, 11th Floor, New York, New York, as its respective designee,
appointee and local agent to receive for and on behalf of that Person, service
of process in such respective jurisdictions in any arbitration, legal action or
proceeding.

         (g)      Each Party irrevocably waives, to the fullest extent permitted
by law, any objection it may now or hereafter have to any suit, Action or
proceeding arising out of or relating to this Agreement that is brought in any
jurisdiction designated in the preceding subparagraph, for the purpose of
enforcing any award and further irrevocably waives any claim that any suit,
Action or proceeding so brought has been brought in an inconvenient forum.

         (h)      Notwithstanding any provision of this Paragraph 13.6 to the
contrary, any Party will be entitled to seek injunctive and other equitable
relief in any court of competent jurisdiction to enforce the provisions of this
Agreement.

                                       20
<PAGE>

         13.7     Successors and Assigns. This Agreement will be binding upon
and will inure to the benefit of the Parties and their respective heirs,
executors, legal representatives, successors and assigns, but may not be
assigned by any Party without the written consent of all other Parties, except
to an Affiliate of any Party. The parties further agree that Unnisa shall be
regarded as a third-party beneficiary to this Agreement and the Quotaholders
Agreement, as modified by the Modification, for all purposes hereunder and
thereunder.

         13.8     Partial Invalidity and Severability. All rights and
restrictions contained in this Agreement may be exercised and will be applicable
and binding only to the extent that they do not violate any applicable laws and
are intended to be limited to the extent necessary to render this Agreement
legal, valid and enforceable. If any term of this Agreement, or part of this
Agreement, not essential to the commercial purpose of this Agreement will be
held to be illegal, invalid or unenforceable by a court of competent
jurisdiction, it is the intention of the Parties that the remaining terms of
this Agreement, or part of this Agreement, will constitute their agreement with
respect to the subject matter of this Agreement and all remaining terms, or
parts of this Agreement, will remain in full force and effect. To the extent
legally permissible, any illegal, invalid or unenforceable provision of this
Agreement will be replaced by a valid provision which will implement the
commercial purpose of the illegal, invalid or unenforceable provision.

         13.9     Waiver. Any term or condition of this Agreement may be waived
at any time by the Party which is entitled to the benefit of the term, but only
if the waiver is evidenced by a writing signed by the relevant Party. No failure
on the part of any Party to this Agreement to exercise, and no delay in
exercising any right, power or remedy created under this Agreement, will operate
as a waiver thereof, nor will any single or partial exercise of any right, power
or remedy by any Party preclude any other or further exercise thereof or the
exercise of any other right, power or remedy. No waiver by any Party to this
Agreement or any breach of or default in any term or condition of this Agreement
will constitute a waiver of or assent to any succeeding breach of or default in
the same or any other term or condition of this Agreement.

         13.10    Headings. The headings of particular provisions of this
Agreement are inserted for convenience only and will not be construed as a part
of this Agreement or serve as a limitation or expansion on the scope of any term
or provision of this Agreement.

         13.11    Number and Gender. Where the context requires, the use of the
singular form in this Agreement will include the plural, the use of the plural
will include the singular, and the use of any gender will include any and all
genders.

         13.12    Time of Performance.  Time is of the essence.

         13.13    Waiver of Dividends. Each of AG Telecom, Construtora AG and AG
Parent waives and relinquishes their respective rights to receive dividends or
other distributions, if any, in respect of Unnisa for all periods either before
or after the date hereof, whether or not declared, and each covenants and agrees
to execute and deliver such other documents as my be necessary or convenient
under Brazilian law to evidence the same.

                                       21
<PAGE>

14.      CERTAIN DEFINITIONS; INDEX OF DEFINITIONS

         14.1     Certain Definitions. For purposes of this Agreement, the
following capitalized terms will have the meanings specified below (all terms
used in this Agreement which are not defined in this Paragraph 14.1 but defined
elsewhere in this Agreement, will have for purposes of this Agreement the
meanings set forth elsewhere in this Agreement):

                  "Action" will mean any action, suit, complaint, counter-claim,
                   ------
claim, petition, set-off or administrative proceeding, whether at law, in equity
or otherwise, and whether conducted by or before any Government or other Person.

                  "Affiliate" of any Person will mean any other Person, at any
                   ---------
time, directly or indirectly controlling, controlled by, or under direct or
indirect common control with the former Person. A Person will be deemed to
control another Person if that Person possesses, directly or indirectly, the
power to direct or cause the direction of the management and policies of the
other Person, whether through the ownership of voting securities, by contract or
otherwise.

                  "Article" and "paragraph" and like references are to this
                   -------       ---------
Agreement unless otherwise specified, and all "Exhibits" are references to those
                                               --------
attached to this Agreement and incorporated in this Agreement by this reference,
unless otherwise specified.

                  "Brazil" will mean the Federative Republic of Brazil.
                   ------

                  "Business Day" will mean any day other than a Saturday, a
                   ------------
Sunday or a day on which commercial banks in any of Atlanta, Georgia, United
States of America, St. Petersburg, Florida, United States of America, Buenos
Aires, Argentina, or Sao Paulo, Brazil, are required or authorized to be closed.

                  "Contract" will mean all written agreements, commitments and
                   --------
arrangements to which Unnisa is a party or under which Unnisa has any rights or
obligations.

                  "Designee" will mean any Affiliate of Equifax that is an
                   --------
entity formed under and subject to the laws of Brazil.

                  "Forum" will mean any national, provincial, municipal, local
                   -----
or foreign court, governmental agency, administrative body or agency, tribunal,
private alternative dispute resolution system, or arbitration panel.

                  "Government" will mean any national, provincial, state,
                   ----------
municipal, local or foreign government or any ministry, department, commission,
board, bureau, agency, authority, instrumentality, unit, or taxing authority
thereof.

                  "Knowledge" will mean the actual knowledge of the relevant
                   ---------
Person without any obligation of inquiry.

                  "Law" will mean all national, provincial, state, municipal,
                   ---
local or foreign constitutions, statutes, rules, regulations, ordinances, acts,
codes, legislation, treaties, conventions and similar laws and legal
requirements, as in effect from time to time.

                                       22
<PAGE>

                  "Liability" will mean any liability or obligation whether
                   ---------
known or unknown, asserted or unasserted, absolute or contingent, accrued or
unaccrued, liquidated or unliquidated and whether due or to become due.

                  "Lien" will mean any claim, mortgage, pledge, hypothecation,
                   ----
security interest, encumbrance, lien or charge of any kind, or any rights of
others, however evidenced or created (including any agreement to give any of the
foregoing, any conditional sale or other title retention agreement, or any lease
having a similar effect or result).

                  "Order" will mean all orders, writs, judgments, decrees,
                   -----
rulings and awards of any Forum or Government.

                  "Parties" will mean the signatories to this Agreement, and a
                   -------
"Party" will mean any one of them.
 -----

                  "Person" will mean and include an individual, a partnership, a
                   ------
joint venture, a corporation, a trust, an unincorporated organization, any legal
or juridical entity, the equivalent of any of the foregoing under any Law, and
any Government.

                  "Proprietary Rights" will mean (i) all patents, patent
                   ------------------
applications and registrations, trademarks, trademark applications and
registrations, copyright applications and registrations, trade names and
industrial designs, service marks and service mark applications, Brazilian or
foreign, owned or used by Unnisa in or otherwise relating to the operation of
their respective businesses, (ii) all trade secrets, know-how, inventions and
other intellectual property, owned or used by Unnisa relating to the operation
of their respective businesses; and (iii) all computer systems and application
software, including without limitation, all documentation relating to the
computer systems and application software, and the latest revisions of all
related object and source codes therefor, owned or used by Unnisa, in or
otherwise relating to the operation of their respective businesses.

                  "R$ or "Brazilian reais" will mean the lawful currency of
                   ----------------------
Brazil.

                  "Relevant Records" will mean, collectively, (i) the written
                   ----------------
records of Unnisa, (ii) any writings prepared by Equifax or its Affiliates and
relating to Unnisa, and (iii) any writings prepared by or received by either
Socma Americana S.A. or its Affiliates or Andrade Gutierrez S.A. or its
affiliates relating to Unnisa and delivered to either Unnisa or Equifax or its
Affiliates. For the avoidance of doubt, writings prepared by an officer or
director of any Relevant Person shall be a writing of such Person.

                  "Representative" of a Party will mean that Party's directors,
                   --------------
officers, partners, employees, agents, accountants, and lawyers.

                  "Taxes" will mean any taxes, levies, imposts, duties, fees,
                   -----
assessments, deductions, withholdings or other charges of whatever nature,
including without limitation income, gross receipts, excise, property, sales,
transfer, license, payroll, withholding, social security, and franchise taxes,
imposed or levied by Brazil, or any state, local or foreign Government, or by
any department, agency or other political subdivision or taxing authority
thereof or therein and all interests, penalties, additions to tax, and other
similar liabilities with respect to the Taxes and relating to any period on or
prior to the Closing Date.

                                       23
<PAGE>

         14.2     Index to Definitions. The definitions for the following
defined terms used in this Agreement can be found as follows:

             Defined Term                      Paragraph or Reference
             ------------                      ----------------------

             Acquisition Price                                    1.1
             AG Group                                        Preamble
             AG Indemnitees                                      10.2
             AG Parent                                       Preamble
             AG Telecom                                      Preamble
             Answer Period                                       10.3
             Arbitral Body                                       13.6
             Book Value                                           2.1
             Closing                                              3.1
             Closing Date                                         3.1
             Construtora AG                                  Preamble
             Disputed Matter                                     13.6
             EFX                                             Preamble
             EFX Indemnitees                                     10.2
             EFX Indemnitors                                     10.2
             Equifax                                         Preamble
             EV1                                                  2.2
             EV2                                                  2.2
             Holdings                                        Preamble
             Indemnified Losses                                  10.1
             Indemnitees                                         10.1
             Indemnitor                                          10.1
             Modification                                    Preamble
             Quotaholders Agreement                          Preamble
             Quotas                                          Preamble
             Related Parties                                     5.12
             Rules                                               13.6
             Seller                                          Preamble
             Survival Period                                     11.1
             Transaction                                     Preamble
             Unnisa                                          Preamble

                                       24
<PAGE>

                  IN WITNESS WHEREOF, the Parties have executed this Agreement
on May 24, 2001, in the City and State of Sao Paulo, Brazil.

EQUIFAX PAYMENT SERVICES, INC.

By:      /s/ Walter M. Korchun
         ----------------------------------------
         Name:  Walter M. Korchun
                ---------------------------------

EQUIFAX DO BRASIL HOLDINGS LTDA.

By:      /s/ Luiz Frederico Vila Buosi
         -----------------------------------------
         Name:   Luiz Frederico Vila Buosi
                 ---------------------------------

CONSTRUTORA ANDRADE GUTIERREZ S.A.

By:      /s/ Luiz Otavio Mourrau
         -----------------------------------------
         Name:    Luiz Otavio Mourrau
                  --------------------------------

By:      /s/ Celso Quintellas
         -----------------------------------------
         Name:    Celso Quintellas
                  --------------------------------

ANDRADE GUTIERREZ TELECOMUNICACOES LTDA.

By:      /s/ Luiz Otavio Mourrau
         ------------------------------------------
         Name:   Luiz Otavio Mourrau
                 ----------------------------------

By:      /s/ Celso Quintellas
         ------------------------------------------
         Name:   Celso Quintellas
                 ----------------------------------

ANDRADE GUTIERREZ S.A.

By:      /s/ Luiz Otavio Mourrau
         ------------------------------------------
         Name:    Luiz Otavio Mourrau
                  ---------------------------------

By:      /s/ Celso Quintellas
         ------------------------------------------
         Name:    Celso Quintellas
                  ---------------------------------

                     [Signatures Continue on Following Page]

                                       25
<PAGE>

                   [Signatures Continued from Preceding Page]

UNNISA-SOLUCOES EM MEIOS DE PAGAMENTO LTDA.

By:   /s/ Luis Acosta Acosta
      -------------------------------
      Name: Luis Acosta Acosta

By:   /s/ Claudio Luis Naleto
      -------------------------------
      Name: Claudio Luis Naleto

WITNESSES

1.  /s/ Darcy Teixeira Jr.
    --------------------------
Name: Darcy Teixeira Jr.
RG:

2.  /s/ Allan Kardec de Melo Ferreira
    ---------------------------------
Name: Allan Kardec de Melo Ferreira
RG:

                                       26

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