Document:

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                                                                    EXHIBIT 10.2

                    TAX SHARING AND INDEMNIFICATION AGREEMENT

          THIS TAX SHARING AND INDEMNIFICATION AGREEMENT ("Agreement") is
entered into as of June 30, 2001, by and between Equifax Inc., a Georgia
corporation ("Equifax"), and Certegy Inc., a Georgia corporation ("Certegy").

          WHEREAS, Equifax is the common parent and Certegy is currently a
member of an "affiliated group," as that term is defined in section 1504 of the
Code (such term and certain capitalized terms being defined in Section 1.1),
that currently files consolidated federal income tax returns; and

          WHEREAS, Certegy is a holding company and a wholly-owned subsidiary of
Equifax; and

          WHEREAS, pursuant to that certain Distribution Agreement Plan of
Reorganization and Distribution dated as of even date with this Agreement (the
"Distribution Agreement") and subject to the terms and conditions thereof,
Equifax will transfer and assign or cause members of the Equifax Group to
transfer and assign to Certegy certain assets and businesses associated with the
Payment Services Business and the stock of certain corporations that conduct the
Payment Services Business; and

          WHEREAS, prior to the Contribution, Equifax and certain Equifax
Affiliates will undertake the Foreign Restructuring to separate the Payment
Services Business from Equifax in foreign jurisdictions; and

          WHEREAS, pursuant to the Distribution Agreement and subject to the
terms and conditions thereof, after the Contribution, Equifax will distribute to
its shareholders on a pro rata basis all of the issued and outstanding stock of
Certegy; and

          WHEREAS, the parties intend that the Contribution and the Distribution
qualify as a tax-free reorganization and distribution under section 368(a)(1)(D)
and section 355 of the Code;

          WHEREAS, in contemplation of the Distribution, the Equifax Group and
the Certegy Group desire to set forth their rights and obligations with respect
to foreign, federal, state and local taxes due for periods both before and after
the Distribution and with respect to certain tax and other liabilities that
might be arise in connection with the Distribution;

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

                                    ARTICLE I
                                   DEFINITIONS

          1.1 For purposes of this Agreement, the following definitions shall
apply:

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          (a) "2000 Certegy Tax Liabilities" has the meaning ascribed to such
term in Section 5.5.

          (b) "2001 Certegy Estimated Tax Liabilities" has the meaning ascribed
to such term in Section 5.6.

          (c) "Additional Restructuring Tax" means any Restructuring Tax other
than any Contemplated Restructuring Taxes.

          (d) "Affiliated Group" means an affiliated group of corporations
within the meaning of section 1504(a) (determined without regard to the
exceptions contained in section 1504(b)) of the Code for the taxable period in
question.

          (e) "Certegy Group" means (i) with respect to any period prior to the
Distribution Date, Certegy, Payment Services, any other entity directly or
indirectly conducting the Payment Services Business, and each of such entities'
wholly-owned subsidiaries; provided that the Certegy Group shall not include
Light Signatures, Inc., High Integrity Systems, LLC, or any other entity owned
by Equifax after giving effect to the Separation and the Distribution, and (ii)
with respect to any period on or after the Distribution Date, (A) the Affiliated
Group of which Certegy or any successor of Certegy is the common parent; and (B)
any entity in which any member of such Affiliated Group owns some or all of the
equity.

          (f) "Certegy Issue" means any issue raised by any Tax Authority, which
issue results in (i) proposed Restructuring Taxes for which Certegy could be
liable pursuant to Section 2.3 hereof, or (ii) proposed Taxes for which Certegy
could be liable pursuant to Section 2.2 hereof.

          (g) "Certegy Tainting Act" means (i) any breach by any member of the
Certegy Group of any written representation or covenant relating to the Certegy
Group made in any Ruling Document, or (ii) any action or actions of or involving
any member of the Certegy Group, or any omission or omissions of any such Person
(whether or not such action or omission is permitted pursuant to this
Agreement), of an action or actions available to it, after the Distribution
Date, if such breach, action or omission described in (i) or (ii) contributes to
a Final Determination imposing any Additional Restructuring Tax on any member of
the Equifax Group or the Certegy Group.

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

          (i) "Consolidated Returns" means the consolidated United States
federal income tax returns of the Affiliated Group of which Equifax is the
common parent for consolidated return years beginning before the Distribution
Date and any consolidated, combined or similar state income tax returns of any
members of the Equifax Group for taxable years beginning before the Distribution
Date (including, in each case, any amendments thereto).

          (j) "Contemplated Restructuring Tax" means any Restructuring Tax set
forth on Exhibit B to this Agreement.

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          (k) "Contribution" has the meaning ascribed to such term in the
Distribution Agreement.

          (l) "Distribution" has the meaning ascribed to such term in the
Distribution Agreement.

          (m) "Distribution Agreement" has the meaning ascribed to such term in
the recitals to this Agreement.

          (n) "Distribution Date" has the meaning ascribed to such term in the
Distribution Agreement.

          (o) "Effective Time" has the meaning ascribed to such term in the
Distribution Agreement.

          (p) "Equifax Affiliate" means any member of the Equifax Affiliated
Group.

          (q) "Equifax Group" means, for each taxable period, (i) the Affiliated
Group of which Equifax or any successor of Equifax is the common parent; and
(ii) any entity in which any member of the Affiliated Group described in clause
(i) above owns some or all of the equity, provided, however, that the Equifax
Group shall not include any member of the Certegy Group.

          (r) "Equifax Issue" means any issue raised by any Tax Authority, which
issue results in (i) proposed Restructuring Taxes (whether or not it is alleged
that a member of the Equifax Group is at fault or is partially at fault), or
(ii) proposed Taxes for which Equifax could be liable pursuant to Section 2.1
hereof.

          (s) "Equifax Tainting Act" means (i) any breach by any member of the
Equifax Group of any written representation or covenant relating to the Equifax
Group made in any Ruling Document, or (ii) any action or actions of or involving
any member of the Equifax Group or any omission or omissions of any such Person
of an action or actions available to it (whether or not such action or omission
is permitted pursuant to this Agreement), after the Distribution Date, if such
breach, action or omission described in (i) or (ii) contributes to a Final
Determination imposing any Additional Restructuring Tax on any member of the
Equifax Group or the Certegy Group.

          (t) "Expenses" means out-of-pocket expenses and shall not include any
overhead or indirect costs.

          (u) "Final Determination" means the final resolution of liability for
any Tax for a taxable period (i) by IRS Form 870 or 870-AD (or any successor
forms thereto), on the date of acceptance by or on behalf of the IRS, or by a
comparable form under the laws of other jurisdictions, except that a Form 870 or
870-AD, successor form, or comparable form that reserves the right of the
taxpayer to file a claim for refund and/or the right of the Tax Authority to
assert a further deficiency shall not constitute a Final Determination; (ii) by
a decision, judgment, decree, or other order by a court of competent
jurisdiction which has become final and unappealable; (iii) by a closing
agreement or offer in compromise under section 7121 or 7122 of the Code or any
subsequently enacted corresponding provisions of the Code, or comparable

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agreements under the laws of other jurisdictions; (iv) by an allowance of a
refund or credit in respect of an overpayment of Tax, but only after the
expiration of all periods during which such refund may be recovered (including
by way of offset) by the Tax imposing jurisdiction; or (v) by any other final
disposition by reason of the expiration of the applicable statute of
limitations.

          (v) "Foreign Restructuring" means the transactions undertaken prior to
the Contribution to separate the Payment Services Business from the other
Equifax businesses in foreign jurisdictions, as described on Exhibit A.

          (w) "Group" means the Equifax Group or the Certegy Group, as the
context so requires.

          (x) "Initial IRS Ruling" means the private letter ruling issued by the
IRS regarding certain Federal income Tax consequences of the Separation and the
Distribution.

          (y) "IRS" means the United States Internal Revenue Service.

          (z) "Payment Services" means Certegy Payment Services, Inc., a wholly
-owned subsidiary of Equifax organized under the laws of the State of Delaware.

          (aa) "Payment Services Business" means the businesses conducted by
Equifax and its affiliates of providing payment transaction processing and check
risk management services to financial institutions and merchants.

          (bb) "Post-Distribution Period" means (i) any Tax Period beginning
after the Effective Time and (ii) the portion of any Straddle Period beginning
after the Effective Time.

          (cc) "Pre-Distribution Period" means (i) any Tax Period ending on or
before the Effective Time and (ii) the portion of any Straddle Period ending on
or before the Effective Time.

          (dd) "Regulations" means Income Tax Regulations issued by the United
States Department of Treasury pursuant to the Code.

          (ee) "Restructuring Tax" means any Tax imposed on any member of the
Equifax Group or the Certegy Group resulting from the Separation or the
Distribution that would not have been imposed had such transactions not
occurred.

          (ff) "Ruling Documents" means (i) the request for the Initial IRS
Ruling, filed with the IRS in connection with the Separation and Distribution,
together with any supplemental filings or requests for Supplemental Ruling or
other materials subsequently submitted on behalf of Equifax, its subsidiaries
and shareholders to the IRS, the appendices and exhibits thereto, and any
rulings issued by the IRS to Equifax in connection with the Separation and
Distribution or (ii) any similar filings submitted to, or rulings issued by, any
other Tax Authority in connection with the Separation or Distribution.

          (gg) "Separation" means the transactions necessary to transfer the
Payment Services Business to Certegy, including without limitation, the
transactions necessary to transfer

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the equity of High Integrity Systems, LLC to Equifax, the Foreign Restructuring,
and the Contribution.

          (hh) "Special Refund Allocation Ratio" means with respect to either
Group, the aggregate outstanding amount of Special Refund Claims filed by a
member of such Group pending as of the Effective Date divided by the aggregate
outstanding amount of all Special Refund Claims.

          (ii) "Special Refund Claims" means the claims for refund of state
income Taxes filed by members of the Equifax Group and the Certegy Group prior
to the Effective Date and still outstanding as of the Effective Date, as set
forth on Exhibit C to this Agreement.

          (jj) "Straddle Period" means any Tax Period that begins before the
Effective Time and ends after the Effective Time.

          (kk) "Supplemental Ruling" means any ruling issued after the issuance
of the Initial IRS Ruling (a) by the IRS in connection with the Distribution or
any transactions undertaken in connection with the Distribution or (b) by any
other Tax Authority, addressing the application of a provision of the laws of
another jurisdiction to any transaction undertaken in connection with the
Distribution.

          (ll) "Supplemental Ruling Documents" has the meaning ascribed to such
term in Section 2.5(d)(i).

          (mm) "Tax" or "Taxes" means all forms of taxation, whenever created or
imposed, whether domestic or foreign, imposed by any Tax Authority, and without
limiting the generality of the foregoing shall include net income, alternative
or add-on minimum tax, gross income, sales, use, franchise, gross receipts,
value added, ad valorem, profits, license, payroll, withholding, social
security, unemployment insurance, employment, property, transfer, recording,
excise, severance, stamp, occupation, premium, windfall profit, custom duty, or
other tax, governmental fee or other like assessment or charge of any kind
whatsoever, together with any related interest, penalties or other additions to
tax, or additional amounts imposed by any such Tax Authority. For purposes of
computing the Taxes of a party for any purpose of this Agreement, interest shall
be computed without regard to any Tax Items attributable to any other party (as
determined pursuant to Section 2.4) and without regard to any netting of
interest on any refund of Tax owed by the Tax Authority to the other party.

          (nn) "Tax Authority" means any nation, locality, municipality,
government, authority, state, federation, or other governmental body or agency.

          (oo) "Tax Benefit" means any Tax Item which decreases Taxes paid or
payable.

          (pp) "Tax Controversy" means any audit, examination, dispute, suit,
action, litigation, or other judicial or administrative proceeding by or against
the IRS or any other Tax Authority. Notwithstanding the foregoing, any
proceeding pursuant to the Special Refund Claims shall not constitute a Tax
Controversy for purposes of this Agreement.

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          (qq) "Tax Item" means any item of income, gain, loss, deduction,
credit, recapture of credit or any other item, including, but not limited to, an
adjustment under Code section 481 resulting from a change in accounting method,
which increases or decreases Taxes paid or payable.

          (rr) "Tax Period" means with respect to any Tax, the period for which
the Tax is reported.

          (ss) "Tax Returns" means all reports, estimates, declarations of
estimated tax, information statements, returns or other documents required or
permitted to be filed with a Tax Authority in connection with any Taxes,
including but not limited to requests for extensions of time, information
statements and reports, claims for refund, and amended returns.

                                   ARTICLE II
                          ALLOCATION OF TAX LIABILITIES

     2.1 Equifax Group.

          (a) Current and Prior Periods. Except as otherwise provided in this
Agreement, Equifax shall be responsible and liable for all Taxes attributable to
the Equifax Group that are imposed for any Pre-Distribution Period. Equifax
hereby assumes all such liability and shall indemnify and hold harmless Certegy
and any member of the Certegy Group from and against any share or amount of all
Taxes attributable to the Equifax Group that are imposed for any Pre-
Distribution Period.

          (b) Future Periods. Except as otherwise provided in this Agreement,
Equifax shall be responsible and liable for all Taxes attributable to the
Equifax Group that are imposed for any Post-Distribution Period and shall
indemnify and hold harmless Certegy and any member of the Certegy Group from and
against all such Taxes.

     2.2 Certegy Group.

          (a) Current and Prior Periods. Except as otherwise provided in this
Agreement, Certegy shall be responsible and liable for all Taxes attributable to
the Certegy Group that are imposed for all Pre-Distribution Periods. Certegy
hereby assumes all such liability and shall indemnify and hold harmless Equifax
and any member of the Equifax Group from and against any share or amount of
Taxes attributable to the Certegy Group that are imposed for any Pre-
Distribution Period.

          (b) Future Periods. Except as otherwise provided in this Agreement,
Certegy shall be liable for all Taxes attributable to the Certegy Group that are
imposed for any Post-Distribution Period, and shall indemnify and hold harmless
Equifax and any member of the Equifax Group from and against all such Taxes.

     2.3 Restructuring Taxes.

          (a) Generally. Notwithstanding Section 2.1 or Section 2.2 to the
contrary, Equifax shall be responsible and liable for and shall indemnify and
hold harmless each member

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of the Certegy Group from and against any and all Contemplated Restructuring
Taxes. Notwithstanding anything in this Article II (other than Section 2.3(b) or
Section 2.3(c)) to the contrary, Equifax shall be responsible and liable for,
and shall indemnify and hold harmless Certegy and any member of the Certegy
Group from and against, any and all Additional Restructuring Taxes.

          (b) Liability and Indemnification for Certegy Tainting Acts.
Notwithstanding anything in this Article II (other than Section 2.3(c)) to the
contrary, Certegy shall be responsible and liable for and shall indemnify and
hold harmless each member of the Equifax Group from and against, (i) any
Additional Restructuring Taxes, and (ii) any liability resulting from a decision
that Equifax is liable to Equifax's or Certegy's shareholders because of a Final
Determination that the Distribution is taxable, but in any case only to the
extent such Additional Restructuring Taxes or liability to shareholders is due
to a Certegy Tainting Act (and not an Equifax Tainting Act).

          (c) Liability and Indemnification for Combined Tainting Acts.
Notwithstanding anything in this Article II to the contrary, in the event of a
Final Determination that Additional Restructuring Taxes are due to a Tax
Authority and such Additional Restructuring Taxes are caused by both an Equifax
Tainting Act and a Certegy Tainting Act, then the liability of Equifax and
Certegy for any Restructuring Taxes arising from such Final Determination and
any liability to shareholders arising from such Final Determination shall be
borne fifty percent (50%) by Equifax and fifty percent (50%) by Certegy. Each
party, jointly and severally with its Affiliated Group, agrees to pay and to
indemnify and hold the other party harmless from and against the amount of
Additional Restructuring Taxes and liability to shareholders allocated to such
first party under this subsection 2.3(c).

     2.4 Allocation of Tax Liabilities. For purposes of determining whether any
Taxes or Tax Items are attributable to the Certegy Group or the Equifax Group
and whether any Tax Item is attributable to a Pre-Distribution Period or a
Post-Distribution Period, the following principles shall apply:

          (a) For purposes of this Agreement, the determination of whether Taxes
or Tax Items are "attributable" to a member of the Certegy Group or the Equifax
Group shall be made using the methods that Equifax has used in Tax Periods prior
to the Distribution Date to allocate its Tax liabilities among the various
members of its affiliated group; provided that in any state that imposes income
Tax on a unitary basis, such determination for any Straddle Period shall be
based on apportionment factors applicable for the businesses and operations of
each Group as of the Effective Time notwithstanding any change in apportionment
factors resulting from a change in such businesses and operations occurring
after the Effective Time. The fact that a member of the Certegy Group or the
Equifax Group prepared or filed a return with respect to any Taxes is not
relevant in determining whether such Taxes are "attributable" to such member.

          (b) The principles of Treasury Regulation Section 1.1502-76(b) as
reasonably interpreted and applied by Equifax shall apply in determining whether
a Tax Item is attributable to a Tax Period provided that (i) no election shall
be made under Treasury Regulation Section 1.1502-76(b)(2)(ii) (relating to
ratable allocation of a year's item); and (ii) if the Distribution

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Date does not coincide with the end of a calendar month, the provisions of
Treasury Regulation Section 1.1502-76(b)(2)(iii) will be applied to ratably
allocate the items (other than extraordinary items) for the month that includes
the Distribution Date (or the parties shall consistently use such accounting
conventions as the parties shall hereafter agree in writing).

          (c) In determining the apportionment of Tax Items between Pre-
Distribution Periods and Post-Distribution Periods, any Tax Items relating to
the Separation and the Distribution shall be treated as an extraordinary item
described in Treasury Regulation Section 1.1502-76(b)(2)(ii)(C) and shall be
allocated to Pre-Distribution Periods, and any Taxes related to such items shall
be treated under Treasury Regulation Section 1.1502-76(b)(2)(iv) as relating to
such extraordinary item and shall be allocated to Pre-Distribution Periods.

     2.5 Certain Representations and Covenants.

          (a) The parties hereby make the following representations and
covenants.

               (i) Certegy for itself and on behalf of each member of the
          Certegy Group represents to Equifax that the information and
          representations furnished in any Ruling Document (as modified,
          qualified or elaborated in any subsequent Ruling Documents) are
          accurate and complete as of the date hereof, to the extent that such
          information and representations relate to the Certegy Group or the
          business or activities of such entity.

               (ii) Equifax for itself and on behalf of each member of the
          Equifax Group represents to Certegy that, as of the date hereof, there
          is no plan or intention to take any action inconsistent with the
          information and representations furnished in any Ruling Documents (as
          modified, qualified or elaborated in any subsequent Ruling Documents).

               (iii) Each of Certegy and Equifax respectively represents to the
          other party that, as of the date hereof, it is not aware of any plan
          or intention by the current shareholders of Equifax to sell, exchange,
          transfer by gift, or otherwise dispose of any of their stock in, or
          securities of, Equifax or Certegy subsequent to the Distribution,
          except as described in any Ruling Document (as modified, qualified or
          elaborated in any subsequent Ruling Documents).

               (iv) Each of Certegy and Equifax respectively covenants to the
          other party (A) that it will use its best efforts to verify that the
          foregoing representations made by it in this Section 2.5(a) are
          accurate and complete as of the Distribution Date and (B) if, after
          the date hereof, it obtains information indicating, or otherwise
          becomes aware, that any such representations are or may be inaccurate
          or incomplete, that it will promptly inform the other party, as the
          case may be.

               (v) Each of Certegy and Equifax respectively covenants to the
          other party that it shall treat for income Tax purposes all
          transactions that are the subject of the Initial IRS Ruling
          consistently therewith.

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          (b) Each of Certegy and Equifax covenants to the other party that,
except as permitted in Section 2.5(c):

               (i) During the two-year period following the Distribution Date,
          it will not merge or consolidate with any other person, or enter into
          any transaction that constitutes a liquidation of such entity for
          federal income tax purposes.

               (ii) During the two-year period following the Distribution Date,
          it will not sell, exchange, distribute or otherwise dispose of assets
          used in the active conduct of the historic businesses relied upon to
          satisfy Code section 355(b), if such sale, exchange, distribution, or
          other disposition would cause Code section 355(b) not to be satisfied
          if such test were applied immediately after such transaction.

               (iii) Following the Distribution, it will, for a minimum of two
          years, continue the active conduct of the historic businesses relied
          upon to satisfy Code section 355(b).

               (iv) It will not redeem, reacquire or otherwise repurchase stock
          in a manner contrary to the requirements of Section 4.05 of Revenue
          Procedure 96-30.

               (v) During the two-year period following the Distribution Date,
          it will not engage in any transaction resulting in the direct or
          indirect acquisition of such party's stock representing a 50% or
          greater interest in such party within the meaning of Code section
          355(d)(4).

Equifax further covenants that it will prevent any member of the Equifax Group
which is a party to the Canadian Restructuring or the U.K. Restructuring (each
as defined in Exhibit A) from undertaking any transaction described in Section
2.5(b)(i) through Section 2.5(b)(v) above except as permitted in Section 2.5(c)
below. Certegy further covenants that it will prevent any member of the Certegy
Group which is a party to the Canadian Restructuring or the U.K. Restructuring
from undertaking any transaction described in Section 2.5(b)(i) through Section
2.5(b)(v) above except as permitted in Section 2.5(c) below.

          (c) A party may take actions inconsistent with the covenants contained
in Section 2.5(b), if prior to taking such action:

               (i) Such party obtains an opinion of counsel, which counsel and
          which opinion are acceptable to the other party in its reasonable
          discretion, to the effect that such actions should not affect the
          Federal income Tax treatment of the Separation and the Distribution to
          the parties and the shareholders of Equifax as set forth in any prior
          private letter ruling issued by the IRS, it being understood that each
          party agrees to cooperate with the other party and use its reasonable
          best efforts to assist the other party in attempting to obtain, as
          expeditiously as possible, any opinion requested by the other party
          described in this Section 2.5(c)(i);

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               (ii) Equifax obtains a Supplemental Ruling to the effect that
          such actions will not affect the Federal income Tax treatment of the
          Separation and the Distribution to the parties and the shareholders of
          Equifax as set forth in any prior private letter ruling issued by the
          IRS; or

               (iii) Such party obtains the written consent of the other party.

          (d) Supplemental Rulings.

               (i) Equifax agrees that at the reasonable request of Certegy,
          Equifax shall cooperate with Certegy and use its reasonable best
          efforts to seek to obtain, as expeditiously as possible, a
          Supplemental Ruling or other guidance from a Tax Authority for the
          purpose of confirming (A) the continuing validity of any ruling
          (including another Supplemental Ruling) previously issued by the IRS
          or any other Tax Authority, or (B) compliance on the part of a member
          of the Certegy Group with its obligations under this Section 2.5.
          Equifax shall be obligated to seek a Supplemental Ruling requested by
          Certegy unless it reasonably believes that the relevant Tax Authority
          would not issue such a ruling. Notwithstanding the foregoing sentence,
          in no event shall Equifax be obligated to file a request for a
          Supplemental Ruling unless Certegy represents that (a) it has read the
          request for the Supplemental Ruling and any materials, appendices and
          exhibits to be submitted or filed therewith ('Supplemental Ruling
          Documents") and (B) all information (other than information provided
          by an external expert) and representations, if any, relating to any
          member of the Certegy Group contained in the Supplemental Ruling
          Documents are true, correct and complete in all material respects.
          Certegy shall reimburse Equifax for all reasonable costs and expenses
          incurred by Equifax in seeking or obtaining a Supplemental Ruling
          requested by Certegy. Certegy hereby agrees that Equifax shall have
          sole and exclusive control over the process of obtaining a
          Supplemental Ruling, and that only Equifax shall apply for a
          Supplemental Ruling. Certegy further agrees that it shall not seek any
          guidance from the IRS or any other Tax Authority concerning the
          Separation and the Distribution except as set forth in this Section
          2.5(d).

               (ii) If Equifax determines that it will seek a Supplemental
          Ruling or other guidance from a Tax Authority after the date of this
          Agreement: (A) Equifax shall keep Certegy informed in a timely manner
          of all material actions taken or proposed to be taken in connection
          therewith; (B) Equifax shall (1) reasonably in advance of the
          submission of any such Supplemental Ruling Documents, provide Certegy
          with a draft copy thereof, (2) reasonably consider Certegy's comments
          on such draft copy, and (3) provide Certegy with a final copy of the
          Supplemental Ruling Documents; and (C) Equifax shall provide Certegy
          with notice reasonably in advance of, and Certegy shall have the right
          to attend, any formally scheduled meetings with the Tax Authority
          (subject to the approval of the Tax Authority) that relate to such
          Supplemental Ruling.

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                                   ARTICLE III
                                REFUNDS OF TAXES

     3.1 General. Except as provided in Section 3.2, each party shall be
entitled to retain or be paid all refunds of Tax received, whether in the form
of payment, credit or otherwise, from any Tax Authority with respect to any Tax
Returns filed or to be filed by such party or a member of such party's Group in
accordance with Article V of this Agreement, provided, however, that Certegy
shall be entitled to retain or be paid all such refunds with respect to any
Taxes to the extent such Taxes exclusively pertain to property or operations of
the Certegy Group. Notwithstanding anything contained in this Section 3.1 to the
contrary, Equifax shall be entitled to be paid and to retain, and Certegy shall
not be entitled to retain and shall be required to pay over to Equifax, any
refunds of Tax received to the extent (i) Equifax indemnified Certegy for the
Taxes attributable to such refunds, or (ii) Equifax paid to the Tax Authority
the Taxes attributable to such refunds and Equifax has not been indemnified by
Certegy.

     3.2 Special Refund Claims.

          (a) The parties acknowledge that various members of the Equifax Group
and the Certegy Group have filed the Special Refund Claims prior to the
Effective Date. Notwithstanding any other provision of this Agreement, the
parties shall be paid or shall retain any refunds received as a result of the
Special Refund Claims as follows:

               (i) Until the aggregate amount of Tax refunds received in respect
          of Special Refund Claims is equal to the product of (A) the balance of
          general ledger account "Company 25 220-02-06" as of the Effective Time
          multiplied by (B) 1.8923, Equifax shall be entitled to be paid or to
          retain all proceeds from Tax refunds received by any party in respect
          of the Special Refund Claims. Equifax shall be responsible and liable
          for paying all professional fees and other costs directly related to
          the pursuit and collection and all Taxes attributable to the receipt
          of such Tax refunds and shall indemnify and hold harmless Certegy and
          any member of the Certegy Group against any such fees or Taxes.

               (ii) The proceeds of any Tax refunds received by any party in
          respect of the Special Refund Claims in excess of the amount set forth
          in Section 3.2(a)(i) shall be shared by the parties in proportion to
          their respective Special Refund Allocation Ratios. The parties shall
          be responsible and liable for the cost of all professional fees and
          other costs and expenses directly related to the pursuit and
          collection of Special Refund Claims and the collection of Tax refunds
          (including, without limitation, all Taxes attributable thereto)
          described in the preceding sentence in proportion to their respective
          Special Refund Allocation Ratios. Each party shall indemnify the other
          party for any amounts described in the preceding sentence to the
          extent that such party (or any member of such party's Group) incurs
          any such amounts in excess of such party's Special Refund Allocation
          Ratio.

          (b) Each party shall notify the other party promptly of any
communication with any Tax Authority relating in whole or in part to any Special
Refund Claim. Equifax and

                                      -11-

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Certegy shall cooperate with each other to allow each party to pursue the
Special Refund Claims, and each party agrees to take all actions reasonably
necessary or advisable to pursue the collection of all Tax refunds pursuant to
the Special Refund Claims; provided that neither party shall have any obligation
to take any action that would cause such party to incur additional Taxes (other
than Taxes attributable to the receipt of the proceeds of the refund).

          (c) In the event that either Equifax or Certegy elects to withdraw
from the pursuit of any Special Refund Claim by giving notice of such withdrawal
to the other party, the Withdrawing Party (or any member of the Withdrawing
Party's Group) shall thereafter have no right to retain or to be paid any Tax
refund pursuant to such Special Refund Claim and shall have no obligation to pay
any professional fees or other costs or expenses incurred after the date of such
notice related to the pursuit of such Special Refund Claim. The Withdrawing
Party shall continue to have the obligations described in Section 3.2(b). The
remaining party may continue to pursue such Special Refund Claim, and shall be
entitled to retain or to be paid all proceeds from any Tax refund received
pursuant to such Special Refund Claim.

                                   ARTICLE IV
                      CARRYBACKS FROM SEPARATE RETURN YEARS

     4.1 General. Notwithstanding anything herein to the contrary, with the
prior written consent of Equifax, which consent may not be unreasonably
withheld, the Certegy Group may elect to carry back to any Taxable Period
beginning before the Distribution Date any Tax Item arising in any Taxable
Period beginning after the Distribution Date that the Certegy Group may properly
elect to carry back for Federal income Tax purposes or combined state Tax
purposes to a Consolidated Return. With respect to any such carryback, Equifax
agrees to file such claims for refund and other returns as may be required to
claim the Tax refunds attributable to such carryback items and to pay promptly
after receipt to Certegy the cash amount of any refunds of Taxes, including the
cash amount of any interest resulting from the utilization of such Tax Items,
after taking into consideration any resulting increase or decrease in the Tax
liability of any member of the Equifax Group. To the extent authorized by law,
Equifax shall act as collection agent for the Certegy Group with respect to any
such refund.

     4.2 Review and Expenses. The amount of any carryback by the Certegy Group
shall be reviewed and approved (on the basis of Tax information contained in
Certegy's Tax Return) by Equifax's certified public accountants as to the amount
and validity of such carryback. Certegy agrees to reimburse Equifax for its
reasonable Expenses incurred in reviewing, filing and securing any Certegy
refund claims hereunder.

     4.3 Subsequent Disallowance. In the event that any Tax attribute for which
Equifax has made a payment pursuant to Section 4.1 is subsequently reduced or
disallowed, Certegy shall indemnify Equifax and hold it harmless from any Tax
liability, including interest and penalties, incurred by reason of such
reduction or disallowance.

                                      -12-

<PAGE>

                                    ARTICLE V
                             TAX RETURN PREPARATION

     5.1 Consolidated Returns.

          (a) Equifax shall prepare and timely file all Consolidated Returns.
Certegy shall have a reasonable period under the circumstances to review the
2000 and 2001 Consolidated Returns. The Consolidated Returns shall be prepared
and filed by Equifax in compliance with applicable Tax laws and on a basis that
is consistent with any Ruling Documents or legal opinion obtained by Equifax in
connection with the Distribution or Separation and, subject to the foregoing,
consistent with Equifax's prior Consolidated Returns.

          (b) Certegy shall be responsible for preparing all information
relating to the Certegy Group necessary for Equifax to prepare and file the
Consolidated Returns. Such information shall include the annual federal and
state, if any, Tax work preparation package, necessary to enable Equifax to
prepare the Consolidated Returns, completed and delivered to Equifax on or
before the same deadline imposed upon other Equifax business units. Such
information shall be used as the basis for Equifax's preparation of the
Consolidated Returns.

          (c) Equifax shall not make any election or consent in connection with
such Consolidated Returns without the consent of Certegy, which consent shall
not be unreasonably withheld, unless (i) such election or consent is not binding
on any member of the Certegy Group for any Tax Period; or (ii) Certegy may
revoke such elections without the consent of any Tax Authority. Certegy and the
Certegy Group agree not to elect to be excluded from any such Consolidated
Return.

          (d) Certegy and the Certegy Group agree to cooperate with Equifax, at
Equifax's expense, in the preparation of any valuation studies or other reports
which are appropriate or necessary for the preparation of the Consolidated
Returns.

     5.2 Other Pre-Distribution Returns.

          (a) Equifax shall prepare and timely file all other Tax Returns of any
member of the Equifax Group or the Certegy Group for all Tax Periods that are
exclusively Pre-Distribution Periods and all Straddle Periods. Notwithstanding
the foregoing sentence, Certegy shall prepare and timely file Tax Returns for
any Pre-Distribution Period and any Straddle Period if such Tax Returns pertain
exclusively to property or operations of the Certegy Group; provided that
Equifax, at the reasonable request of Certegy, shall file sales and use tax
returns pertaining to the operations of the Certegy Group that are required to
be filed on or before September 30, 2001. Notwithstanding anything contained in
the previous sentence, Equifax shall continue to file all Tax Returns of the
members of the Certegy Group for any Pre-Distribution Period if the Tax Returns
for such period are required to be filed on or prior to the Distribution Date.
Certegy shall have a reasonable period under the circumstances to review each
such Tax Return.

          (b) Certegy shall reimburse Equifax the aggregate amount of $63,000.00
for professional fees paid to Tarpley & Underwood, P.C. attributable to the
preparation of 2000 and 2001 Tax returns for the Certegy Group, which amount
(without interest) shall be payable in six equal monthly installments beginning
on July 31, 2001.

                                      -13-

<PAGE>

     5.3 Post-Distribution Returns. Certegy shall prepare and timely file all
Tax Returns of any member of the Certegy Group for Tax Periods that are
exclusively Post-Distribution Periods, and Equifax shall prepare and timely file
all Tax Returns of any member of the Equifax Group for Tax Periods that are
exclusively Post-Distribution Periods.

     5.4 Cooperation; Exchange of Information. Each party shall be responsible
for the timely submission to the other party of information of which it has
knowledge regarding any Tax Item which may properly be included in any Tax
Return to be filed by the other party or any member of the other party's
Affiliated Group, and shall provide any and all other information and
documentation (including, but not by way of limitation, working papers and
schedules) reasonably requested by the other party for use in connection with
the preparation and filing of any Tax Returns.

     5.5 Payment of 2000 Certegy Tax Liabilities; Certegy Tax Benefits.

          (a) Certegy shall pay to Equifax an amount equal to the aggregate
amount of Taxes that would be owed by the Certegy Group for the Tax Period
consisting of the 2000 calendar year to the extent that such Taxes must be paid
by Equifax as part of a Consolidated Return (the "2000 Certegy Tax
Liabilities"). Such amount shall be computed in a manner consistent with Section
2.4, and shall be reduced by any Tax Benefit of Equifax attributable to a
Certegy Tax Item. Notwithstanding the above, such amount shall not include
amounts related to separate returns filed on a combined or unitary basis, except
to the extent consistent with the manner in which the Tax liabilities on such
returns were allocated in prior years. Payment of the 2000 Certegy Tax
Liabilities shall be due on or before the tenth (10/th/) day after receipt by
Certegy of a notice including the applicable computations prepared by Equifax in
connection with the filing of Equifax's Consolidated Return for the 2000
calendar year.

          (b) Equifax shall pay to Certegy any Tax Benefit of Equifax
attributable to a Certegy Tax Item, to the extent that such Tax Benefit exceeds
the amount of the 2000 Certegy Tax Liabilities. Payment of such amount shall be
due on or before the tenth (10/th/) day after receipt by Certegy of a notice
including the applicable computations prepared by Equifax in connection with the
filing of Equifax's Consolidated Return for the 2000 calendar year.

     5.6 Payment of 2001 Certegy Estimated Tax Liabilities; Adjustment.

          (a) Certegy shall pay to Equifax an amount equal to the estimated
aggregate amount of Taxes that would be owed by the Certegy Group for the Tax
Period consisting of the 2001 calendar year to the extent that such Taxes must
be paid by Equifax as part of a Consolidated Return (the "2001 Certegy Estimated
Tax Liabilities"). Such estimated amount shall be computed in a manner
consistent with Section 2.4, and shall be reduced by any Tax Benefit of Equifax
attributable to a Certegy Tax Item. Notwithstanding the above, such estimated
amount shall not include amounts related to separate returns filed on a combined
or unitary basis, except to the extent consistent with the manner in which the
Tax liabilities on such returns were allocated in prior years. Payment of the
2001 Certegy Estimated Tax Liabilities shall be due on or before the tenth
(10/th/) day after receipt by Certegy of a notice including the applicable
computations prepared by Equifax.

                                      -14-

<PAGE>

          (b) Upon the filing of the Consolidated Return for the Equifax Group's
Tax Period ending December 31, 2001, the 2001 Certegy Estimated Tax Liabilities
previously computed shall be restated and adjusted by Equifax based upon
information then available. An adjusting payment shall be made by Equifax or
Certegy as shall be required by any restatement or adjustment of the 2001
Certegy Estimated Tax Liabilities. Such payment shall be due on or before the
tenth (10th) day after receipt by Certegy of a notice including the applicable
computations prepared by Equifax.

          (c) Equifax shall pay to Certegy any Tax Benefit of Equifax
attributable to a Certegy Tax Item, to the extent that such Tax Benefit exceeds
the amount of the 2001 Certegy Tax Liabilities. Payment of such amount shall be
due on or before the tenth (10th) day after receipt by Certegy of a notice
including the applicable computations prepared by Equifax in connection with the
filing of Equifax's Consolidated Return for the 2001 calendar year.

                                   ARTICLE VI
                          TAX CONTROVERSIES AND RECORDS

     6.1 Tax Controversies.

          (a) Each of Certegy and Equifax shall have full responsibility and
discretion in handling, settling, or contesting any Tax Controversy involving a
Tax for which such party is liable pursuant to Article II of this Agreement. If
a Tax Controversy proceeding involves both (i) one or more issues that would
result in Taxes for which Equifax is liable under this Agreement and (ii) one or
more issues that would result in Taxes for which Certegy is liable under this
Agreement, then Equifax and Certegy shall cooperate with each other to allow
each party to conduct the Tax Controversy with respect to those issues that
would result in Taxes for which such party is liable. Furthermore, Equifax may
participate in any Tax Controversy with respect to Restructuring Taxes
regardless of whether it has liability or indemnification obligations with
respect to such Taxes under this Agreement.

          (b) The party responsible for any Tax Controversy shall use all
reasonable efforts (taking into consideration all relevant facts and
circumstances known to the party) to resist any deficiency assertions by any Tax
Authority regardless of which party is ultimately responsible for any such Tax
under this Agreement.

          (c) Equifax shall notify Certegy promptly of any communication with
the IRS or other Tax Authority relating in whole or in part to any Certegy
Issue.

               (i) Certegy shall have 30 days after receipt of such notice from
          Equifax within which to object to the proposed adjustment relating to
          a Certegy Issue (that is not an Equifax Issue). If Certegy does not
          notify Equifax within such 30 day period that it objects to the
          proposed adjustment, then subsections 6.1(c)(ii) through 6.1(c)(v)
          below shall not apply, and Equifax shall have exclusive control over
          all stages of the Tax Controversy, including full authority to
          determine whether and in what manner to contest or compromise the
          issue, unless and until Certegy so notifies Equifax.

                                      -15-

<PAGE>

               (ii) If Certegy notifies Equifax that it objects to the proposed
          adjustment relating to a Certegy Issue (that is not an Equifax Issue),
          then Equifax shall not thereafter consent to the adjustment or
          compromise of such Certegy Issue without the consent of Certegy, but
          shall cooperate with Certegy to resolve the Certegy Issue on a basis
          acceptable to Certegy. Prior to the issuance of a notice of proposed
          adjustment or similar stage in the proceedings, however, Equifax shall
          be responsible for the conduct of the audit, including matters
          pertaining to such Certegy Issue. Equifax shall notify Certegy in
          advance of any conferences, meetings, and proceedings pertaining to
          the audit and, at its own expense, Certegy shall have the right to
          attend all such proceedings with any Tax Authority, the subject matter
          of which is or includes such Certegy Issue.

               (iii) Upon the issuance of a notice of proposed adjustment or
          similar stage in the proceedings, Certegy shall assume the conduct of
          all further proceedings, with counsel selected by it, at Certegy's
          sole expense, insofar as the proceedings relate to a Certegy Issue
          (that is not an Equifax Issue), and thereafter Certegy and Equifax
          shall jointly be responsible for the conduct of proceedings to contest
          such Certegy Issue.

               (iv) In the event that Equifax receives a notice of deficiency
          from the IRS, or a similar notice from any other Tax Authority, and
          such notice relates exclusively to one or more Certegy Issues (none of
          which are Equifax Issues) and does not relate to an Equifax Issue
          then:

                    (A) upon receiving a written request from Certegy, given no
          later than a date reasonably necessary to permit preparation and
          timely filing of a petition in the United States Tax Court for
          redetermination of the deficiency, or a court of similar jurisdiction
          with respect to Taxes imposed by any other Tax Authority, Equifax
          shall timely file such petition (at Certegy's sole expense); or

                    (B) If (1) Certegy does not request Equifax to file a
          petition for redetermination of the deficiency pursuant to subsection
          6.1(c)(iv)(A) hereof, (2) Certegy requests that Equifax file a claim
          for refund, and (3) Certegy provides Equifax with sufficient funds to
          pay the deficiency relating to the Certegy Issue, then Equifax (at
          Certegy's sole expense) shall file a claim for refund thereof and, if
          the claim is denied, bring an action in a court of competent
          jurisdiction seeking such refund.

                    (C) In the event that a judgment of the United States Tax
          Court or other court of competent jurisdiction results in an adverse
          determination with respect to the Certegy Issue, then Certegy shall
          have the right to cause Equifax to appeal from such adverse
          determination at Certegy's sole expense.

                    (D) Certegy and its representatives, at Certegy's sole
          expense, shall be entitled to the extent permitted by law to
          participate in (1) all conferences, meetings, or proceedings with any
          Tax Authority, the subject matter of which is a Certegy Issue (that is
          not an Equifax Issue), and (2) all appearances

                                      -16-

<PAGE>

          before any court, the subject matter of which is a Certegy Issue (that
          is not an Equifax Issue). The right to participate referred to in this
          subsection 6.1(c)(iv)(D) hereof shall include the submission and
          content of documentation, memoranda of fact and law and briefs, the
          conduct of oral arguments or presentations, the selection of
          witnesses, and the negotiation of stipulations of fact with respect to
          a Certegy Issue (that is not an Equifax Issue).

               (v) If the proposed adjustment relating to a Certegy Issue is
          also an Equifax Issue (or if the proposed adjustment relates solely to
          an Equifax Issue that is not a Certegy Issue), then Equifax shall be
          fully responsible for the conduct of the Tax Controversy, including
          matters pertaining to any Certegy Issue, but Equifax shall use
          reasonable efforts to involve Certegy in the conduct of the Tax
          Controversy insofar as it relates to any Certegy Issue. Equifax shall
          notify Certegy in advance of any such proceedings and, at its own
          expense, Certegy may attend all conferences, meetings, or proceedings
          with any Tax Authority, the subject matter of which is or includes any
          Certegy Issue. Certegy shall use all reasonable efforts to assist
          Equifax in resisting any deficiency assertions by any Tax Authority
          relating to any such Certegy Issue.

          (d) Certegy shall notify Equifax promptly of any communication with
the IRS or other Tax Authority relating in whole or in part to any Equifax
Issue.

               (i) Equifax shall have 30 days after receipt of such notice from
          Certegy within which to object to the proposed adjustment relating to
          an Equifax Issue (that is not a Certegy Issue). If Equifax does not
          notify Certegy within such 30 day period that it objects to the
          proposed adjustment, then subsections 6.1(d)(ii) through 6.1(d)(v)
          below shall not apply, and Certegy shall have exclusive control over
          all stages of the Tax Controversy, including full authority to
          determine whether and in what manner to contest or compromise the
          issue, unless and until Equifax so notifies Certegy.

               (ii) If Equifax notifies Certegy that it objects to the proposed
          adjustment relating to an Equifax Issue (that is not a Certegy Issue),
          then Certegy shall not thereafter consent to the adjustment or
          compromise of such Equifax Issue without the consent of Equifax, but
          shall cooperate with Equifax to resolve the Equifax Issue on a basis
          acceptable to Equifax. Prior to the issuance of a notice of proposed
          adjustment or similar stage in the proceedings, however, Certegy shall
          be responsible for the conduct of the audit, including matters
          pertaining to such Equifax Issue. Certegy shall notify Equifax in
          advance of any conferences, meetings, and proceedings pertaining to
          the audit and, at its own expense, Equifax shall have the right to
          attend all such proceedings with any Tax Authority, the subject matter
          of which is or includes such Equifax Issue.

               (iii) Upon the issuance of a notice of proposed adjustment or
          similar stage in the proceedings, Equifax shall assume the conduct of
          all further proceedings, with counsel selected by it, at Equifax's
          sole expense, insofar as the proceedings relate to an Equifax Issue
          (that is not a Certegy Issue), and thereafter

                                      -17-

<PAGE>

          Certegy and Equifax shall jointly be responsible for the conduct of
          proceedings to contest such Equifax Issue.

               (iv) In the event that Certegy receives a notice of deficiency
          from the IRS, or a similar notice from any other Tax Authority, and
          such notice relates exclusively to one or more Equifax Issues (none of
          which are Certegy Issues) and does not relate to a Certegy Issue then:

                    (A) upon receiving a written request from Equifax, given no
          later than a date reasonably necessary to permit preparation and
          timely filing of a petition in the United States Tax Court for
          redetermination of the deficiency, or a court of similar jurisdiction
          with respect to Taxes imposed by any other Tax Authority, Certegy
          shall timely file such petition (at Equifax's sole expense); or

                    (B) If (1) Equifax does not request Certegy to file a
          petition for redetermination of the deficiency pursuant to subsection
          6.1(d)(iv)(A) hereof, (2) Equifax requests that Certegy file a claim
          for refund, and (3) Equifax provides Certegy with sufficient funds to
          pay the deficiency relating to the Equifax Issue, then Certegy (at
          Equifax's sole expense) shall file a claim for refund thereof and, if
          the claim is denied, bring an action in a court of competent
          jurisdiction seeking such refund.

                    (C) In the event that a judgment of the United States Tax
          Court or other court of competent jurisdiction results in an adverse
          determination with respect to the Equifax Issue, then Equifax shall
          have the right to cause Certegy to appeal from such adverse
          determination at Equifax's sole expense.

                    (D) Equifax and its representatives, at Equifax's sole
          expense, shall be entitled to the extent permitted by law to
          participate in (1) all conferences, meetings, or proceedings with any
          Tax Authority, the subject matter of which is an Equifax Issue (that
          is not a Certegy Issue), and (2) all appearances before any court, the
          subject matter of which is an Equifax Issue (that is not a Certegy
          Issue).  The right to participate referred to in this subsection
          6.1(d)(iv)(D) shall include the submission and content of
          documentation, memoranda of fact and law and briefs, the conduct of
          oral arguments or presentations, the selection of witnesses, and the
          negotiation of stipulations of fact with respect to an Equifax Issue
          (that is not a Certegy Issue).

               (v) If the proposed adjustment relating to an Equifax Issue is
          also a Certegy Issue (or if the proposed adjustment relates solely to
          a Certegy Issue that is not an Equifax Issue), then Certegy shall be
          fully responsible for the conduct of the Tax Controversy, including
          matters pertaining to any Equifax Issue, but Certegy shall use
          reasonable efforts to involve Equifax in the conduct of the Tax
          Controversy insofar as it relates to any Equifax Issue. Certegy shall
          notify Equifax in advance of any such proceedings and, at its own
          expense, Equifax may attend all conferences, meetings, or proceedings
          with any Tax Authority, the subject matter of which is or includes any
          Equifax Issue. Certegy shall use all

                                      -18-

<PAGE>

          reasonable efforts to assist Equifax in resisting any deficiency
          assertions by any Tax Authority relating to any such Equifax Issue.

     6.2 Cooperation.

          (a) Equifax and Certegy agree to afford full cooperation to one
another and to their respective representatives, if any, in any Tax Controversy
involving:

               (i) any Tax Return filed or required to be filed by or for any
          member of the Equifax Group or the Certegy Group for any Pre-
          Distribution Period, or

               (ii) any item or issue affecting Equifax's or Certegy's potential
          liability hereunder.

          (b) Such cooperation shall include, but not by way of limitation:

               (i) preparing responses to information requests by any Tax
          Authority;

               (ii) making available books, records and other documentation
          (including, but not by way of limitation, working papers and
          schedules) relevant to such proceeding, and systems support for
          documentation furnished in electronic form;

               (iii) making directors, officers, or employees available to
          appear in person for interview or for testimony;

               (iv) making employees available on a mutually convenient basis to
          provide additional information and explanation of materials provided
          hereunder;

               (v) executing powers of attorney, tax information authorizations
          and any other necessary or appropriate authorizations;

               (vi) executing agreements with the Tax Authority or other
          documents reasonably necessary or appropriate for the settlement or
          pursuit of the contest of such issue; and

               (vii) doing whatever is reasonable under the circumstances to
          assist the other party in proving that a transaction on or after the
          Distribution Date does not give rise to Additional Restructuring
          Taxes.

     6.3 Record Retention. The parties, on behalf of themselves and the members
of their respective Affiliated Groups, agree to retain all books, records,
returns, schedules, documents and all material papers or relevant items of
information for periods prior to the Distribution Date for the later of (a)
seven (7) years or (b) the full period of the applicable statute of limitations,
including any extensions thereof. If, under legislation enacted after the date
of this Agreement, the statute of limitations with respect to a transaction does
not begin to run until the IRS or other Tax Authority is notified of the
transaction, then the statute of limitations for

                                      -19-

<PAGE>

purposes of clause (b) of this Section 6.3 shall also not begin to run until
such notification is given.

                                   ARTICLE VII
                                    PAYMENTS

     7.1 Payments in General. Any amount required to be paid by one party to the
other pursuant to this Agreement (other than the payments described in Sections
5.5 and 5.6 and subsection 6.1(c)(iv)(B) and 6.1(d)(iv)(B)) shall be paid in
immediately available funds within thirty (30) days after written demand
therefor from the other party given after a Final Determination of the amount
thereof.

     7.2 Treatment of Payments. In absence of any change in Tax treatment under
the Code or other applicable Tax law, (a) any payments made pursuant to this
Agreement by Certegy to Equifax shall be reported for Tax purposes by the
parties as a distribution from Certegy to Equifax occurring on the Distribution
Date immediately before the Distribution; and (b) any payments made pursuant to
this Agreement by Equifax to Certegy shall be reported for Tax purposes by the
parties as a contribution to the capital of Certegy by Equifax occurring on the
Distribution Date immediately before the Distribution.

     7.3 Interest on Late Payments. Any amount payable under this Agreement by
one party to another party shall, if not paid within ten (10) business days
after the due date specified in this Agreement, bear interest from such due date
until the date paid at the applicable Federal "short term rate" as defined in
section 6621 of the Code in effect on the due date.

     7.4 Notice. Equifax and Certegy shall give each other prompt notice of any
payment that may be due under this Agreement.

     7.5 Tax Items. Except to the extent already provided for in this Agreement,
the amount of any indemnification payment required hereunder shall be reduced to
take into account the Tax Benefit, if any, allowable to the indemnified party
resulting from the event giving rise to such indemnification payment and shall
be increased to take into account additional Taxes, if any, incurred by the
indemnified party resulting from the receipt of such indemnification payment and
any additional payment required by this section. The parties will cooperate with
each other in good faith to determine the amounts described in this section.

                                  ARTICLE VIII
                            ADMINISTRATIVE PROVISIONS

     8.1 Interest. Except as expressly provided herein, no obligation to pay or
right to collect interest or other amounts shall arise by virtue of this
Agreement.

     8.2 Agency. It is understood and acknowledged that in accordance with
Regulations section 1.1502-77, Equifax, as the common parent, is the agent for
the members of the Affiliated Group of which Equifax is the common parent
(including all members of the Certegy Group with respect to taxable years
beginning before the Distribution Date) with respect to all matters referred to
therein.

                                      -20-

<PAGE>

     8.3 Expenses. Except as otherwise expressly provided herein, each party to
this Agreement hereby agrees to be responsible for all of the costs and expenses
which it may incur in carrying out its duties hereunder.

                                   ARTICLE IX
                               DISPUTE RESOLUTION

     Any controversy or claim between the parties arising out of or relating to
this Agreement, or the breach hereof not resolved in the normal course of
business shall be resolved pursuant to Section 15.10 of the Distribution
Agreement, which provisions are hereby incorporated herein by this reference
thereto.

                                    ARTICLE X
                                  MISCELLANEOUS

     10.1 Entire Agreement. This Agreement constitutes the entire understanding
of the parties hereto with respect to the subject matter hereof, superseding all
negotiations, prior discussions and prior agreements and understandings relating
to such subject matter.

     10.2 Severability. The provisions of this Agreement are severable and
should any provision hereof be void, voidable or unenforceable under any
applicable law, such provision shall not affect or invalidate any other
provision of this Agreement, which shall continue to govern the relative rights
and duties of the parties as though such void, voidable or unenforceable
provision were not a part hereof.

     10.3 Amendment and Waiver. This Agreement may not be altered or amended,
nor may any rights hereunder be waived, except by an instrument in writing
executed by the party or parties to be charged with such amendment or waiver. No
waiver of any terms, provision or condition of or failure to exercise or delay
in exercising any rights or remedies under this Agreement, in any one or more
instances, shall be deemed to be, or construed as, a further or continuing
waiver of any such term, provision, condition, right or remedy or as a waiver of
any other term, provision or condition of this Agreement.

     10.4 Successors and Assigns. Except to the extent provided by operation of
law or as provided herein, neither of the parties hereto may assign its rights
or delegate any of its duties under this Agreement without the prior written
consent of each other party. This Agreement shall be binding upon, and shall
inure to the benefit of, the successors and assigns of each party. If one or
more persons acquires all or substantially all of the assets of Equifax or
Certegy, Equifax and Certegy each agree that, as a condition to the closing of
such acquisition, such person or persons must agree to indemnify the nonacquired
party for any Restructuring Taxes incurred by that party as a result of such
acquisition.

     10.5 Term. This Agreement shall commence on the date of execution indicated
above and shall continue in effect until otherwise agreed to in writing by the
parties or their successors and assigns.

     10.6 Guarantee of Performance; Rights Confined to Parties.

                                      -21-

<PAGE>

          (a) Each party hereby guarantees the performance of all actions,
covenants, agreements, and obligations provided under this Agreement of each of
its subsidiaries. Each party shall, upon the written request of the other party,
cause any of its subsidiaries to formally execute this Agreement.

          (b) Nothing contained in this Agreement, express or implied, is
intended to confer any benefits, rights or remedies upon any person or entity
other than members of the Equifax Group and the Certegy Group.

     10.7 Notices. All notices and communications under this Agreement shall be
in writing and shall be deemed to have been given (a) when received, if such
notice or communication is delivered by facsimile, hand delivery or overnight
courier, and, (b) three (3) business days after mailing if such notice or
communication is sent by United States registered or certified mail, return
receipt requested, first class postage prepaid. All notices and communications,
to be effective, must be properly addressed to the party to whom the same is
directed at its address as follows::

               If to Equifax, to:       Equifax Inc.
                                        1550 Peachtree Street, N.W.
                                        Atlanta, Georgia 30309
                                        Attention: Phillip J. Mazzilli, Chief
                                        Financial Officer

               with a copy to:          Equifax Inc.

                                        1550 Peachtree Street, N.W.
                                        Atlanta, Georgia 30309
                                        Attn: Kent E. Mast, General
                                              Counsel

               If to Certegy, to:       Certegy Inc.
                                        555 NorthPointe Centre East
                                        Alpharetta, Georgia 30022
                                        Attn: Bruce S. Richards, Corporate
                                        Vice President, General Counsel
                                        and Secretary

               with a copy to:          Certegy Inc.
                                        P.O. Box 349
                                        Alpharetta, Georgia 30009
                                        Attn: Michael T. Volkommer,
                                              Corporate Vice President and
                                              Chief Financial Officer

     Either party may, by written notice delivered to the other party in
accordance with this Section 10.7, change the address to which delivery of any
notice shall thereafter be made.

                                      -22-

<PAGE>

     10.8 Further Assurances and Consents. In addition to the actions
specifically provided for elsewhere in this Agreement, each of the parties
hereto will use its reasonable efforts to (a) execute and deliver such further
instruments and documents and take such other actions as any other party may
reasonably request in order to effectuate the purposes of this Agreement and to
carry out the terms hereof and (b) take, or cause to be taken, all actions, and
do, or cause to be done, all things, reasonably necessary, proper or advisable
under applicable laws, regulations and agreements or otherwise to consummate and
make effective the transactions contemplated by this Agreement; provided that no
party hereto shall be obligated to pay any consideration therefor (except for
filing fees and other similar charges) to any third party from whom such
consents, approvals and amendments are requested or to take any action or omit
to take any action if the taking of or the omission to take such action would be
unreasonably burdensome to the party or its Group or the business thereof.

     10.9 Headings. The Article and Section headings set forth in this Agreement
are included for administrative, organizational and convenience purposes, and
are not intended to affect the meaning of the provisions set forth in this
Agreement or to be used in the interpretation of this Agreement.

     10.10 Governing Law. This Agreement shall be construed in accordance with,
and governed by, the laws of the State of Georgia, without regard to the
conflicts of law rules of such state.

     10.11 Counterparts. This Agreement may be executed in one or more
counterparts, each of which shall be deemed an original instrument, but all of
which together shall constitute but one and the same agreement.

     10.12 Prior Tax Sharing Agreements. This Agreement shall supersede any and
all tax sharing and indemnification (or similar) agreements between any of the
members of the Equifax Group, on the one hand, and any of the members of the
Certegy Group, on the other hand.

                      [signatures appear on following page]

                                      -23-

<PAGE>

     IN WITNESS WHEREOF, the parties hereto have executed and delivered this
Agreement as of the day and year first above written.

                                        EQUIFAX INC.

                                        By: /s/ Kent E. Mast
                                            ------------------------------------
                                            Title: Corporate Vice President,
                                                   General Counsel and Secretary

                                        CERTEGY INC.

                                        By: /s/ Bruce S. Richards
                                            ------------------------------------
                                            Title: Corporate Vice President,
                                                   General Counsel and Secretary

                                      -24-

<PAGE>

                                    EXHIBIT A
                              Foreign Restructuring

1.   Transfer of shares of Acrofax, Inc. from Equifax Credit Information
     Services, Inc. to Equifax and transfer of shares of Telecredit Canada Inc.
     from Equifax Canada Inc. to Equifax, including all interim transactions
     related to such transfer (the "Canadian Restructuring").

2.   Transfer of shares of Procard S.A. from Equifax de Chile, S.A. to Payment
     Chile, S.A. ("Payment Chile") and transfer of shares of Payment Chile to
     Payment South America Holdings, Inc. ("Payment South America"), including
     all interim transactions related to such transfers (the "Chilean
     Restructuring").

3.   Transfer of shares of Unnisa-Solucoes em Meios de Pagamento Ltda.
     ("Unnisa"), Equifax Cayman Islands, Ltd. and Partech Ltda. ("Partech") from
     Equifax do Brasil Ltda to Payment Brasil Holdings Ltda. ("Payment Brazil")
     and transfer of shares of Payment Brazil to Payment South America,
     including all interim transactions related to such transfers (the
     "Brazilian Restructuring").

4.   Transfer of certain assets of Equifax plc related to U.K. Payment Services
     Business and stock of Transax plc and Certegy Card Solutions Ltd. to
     Certegy Ltd. ("Certegy U.K."), and transfer of shares of Certegy U.K. to
     Equifax, including all interim transactions related to such transfers (the
     "U.K. Restructuring").

<PAGE>

                                    EXHIBIT B
                        Contemplated Restructuring Taxes

1.   Canadian income/withholding Tax on Canadian Restructuring transactions.

2.   Income/capital gain Tax on Brazilian Restructuring transactions.

3.   Income/capital gain Tax on Chilean Restructuring transactions.
<PAGE>

                                    EXHIBIT C

                             SPECIAL REFUND CLAIMS
<TABLE>
<CAPTION>
          Jurisdiction                             Tax Year
---------------------------------   -------------------------------------
<S>                                 <C>
Alabama -- income & franchise tax   1996, 1997, 1998
Alaska                              1998
Arizona                             1997, 1998
California                          Pre -- 1996, 1996, 1997, 1998
Colorado                            1997
Connecticut                         1998
Delaware                            1998
Florida                             Pre -- 1996, 1996, 1997, 1998
Georgia                             1996, 1997, 1998, 1999
Idaho                               1996, 1997, 1998
Illinois                            1996, 1997, 1998, 1999
Indiana                             1998
Iowa                                1999
Kansas                              1996
Kentucky                            1997, 1998
Louisiana                           Pre -- 1996, 1996, 1997, 1998, 1999
Massachusetts                       1998
Michigan                            Pre -- 1996, 1996, 1998
Minnesota                           1999
Mississippi                         1996, 1999
Missouri                            1996, 1997, 1998, 1999
Missouri Franchise                  1996
Montana                             1996, 1997, 1998
New Hampshire                       1996
New Jersey                          Pre -- 1996, 1996, 1997, 1998
New Mexico                          1996, 1997, 1998
New York state                      1996, 1997, 1998
New York MTA                        1996, 1997, 1998
New York city                       1996, 1997, 1998
North Carolina                      1996, 1997, 1998
Ohio                                1996, 1997, 1998
Oregon                              1998
Pennsylvania                        1996, 1997, 1998
Philadelphia                        1997, 1998
South Carolina                      1997, 1998
Tennessee                           1996, 1997
Utah                                1997
Virginia                            1996, 1997
Other Franchise                     Other refund claims totaling $50,736.
</TABLE><PAGE>

                                                                    EXHIBIT 10.3

                         INTELLECTUAL PROPERTY AGREEMENT

                                     BETWEEN

                                  EQUIFAX INC.

                                       AND

                                  CERTEGY INC.

                                  JUNE 30, 2001

<PAGE>

                                TABLE OF CONTENTS

<TABLE>
<S>                                                                                                     <C>
ARTICLE I DEFINITIONS...............................................................................     3
   Section 1.1.     Definitions.....................................................................     3

ARTICLE II CONVEYANCE OF CERTAIN ASSETS; ASSUMPTION OF CERTAIN LIABILITIES..........................     8
   Section 2.1.     Transferred Equifax Assets......................................................     8
   Section 2.2.     Transferred Certegy Assets......................................................     8
   Section 2.3.     Assumption of Liabilities.......................................................     9
   Section 2.4.     Completion of Transactions......................................................     9

ARTICLE III THIRD PARTY AGREEMENTS..................................................................    10
   Section 3.1.     Third Party Agreements..........................................................    10
   Section 3.2.     Required Consents...............................................................    11
   Section 3.3.     Discharge of Liabilities........................................................    12

ARTICLE IV LICENSED MATERIALS.......................................................................    12
   Section 4.1.     Grant of Licenses by Equifax....................................................    12
   Section 4.2.     Ownership of Enhancements by Certegy............................................    15
   Section 4.3.     License to Marks................................................................    15
   Section 4.4.     Grant of License by Certegy.....................................................    16
   Section 4.5.     Ownership of Enhancements by Equifax............................................    18
   Section 4.6.     Data............................................................................    19
   Section 4.7.     Mutual Obligations..............................................................    19

ARTICLE V THE CLOSING...............................................................................    21
   Section 5.1.     Equifax Deliverables............................................................    21
   Section 5.2.     Certegy Deliverables............................................................    21

ARTICLE VI REPRESENTATIONS AND WARRANTIES...........................................................    22

ARTICLE VII INDEMNIFICATION.........................................................................    22
   Section 7.1.     Certegy Indemnification of the Equifax Group....................................    22
   Section 7.2.     Equifax Indemnification of the Certegy Group....................................    23
   Section 7.3.     Insurance and Third Party Obligations...........................................    23

ARTICLE VIII INDEMNIFICATION PROCEDURES.............................................................    23
   Section 8.1.     Notice and Payment of Claims....................................................    23
   Section 8.2.     Notice and Defense of Third Party Claims........................................    23

ARTICLE IX CONFIDENTIALITY..........................................................................    25
   Section 9.1.     Exclusions......................................................................    25
   Section 9.2.     Confidentiality.................................................................    25
   Section 9.3.     Employee Confidentiality Agreements.............................................    26
</TABLE>

                                        1

<PAGE>

<TABLE>
<S>                                                                                                     <C>
   Section 9.4.     Rights and Remedies.............................................................    27
   Section 9.5.     Competitive Activities..........................................................    27
   Section 9.6.     No Implied Rights...............................................................    27

ARTICLE X CONTINUED ASSISTANCE......................................................................    28
   Section 10.1.    Continued Assistance and Transition.............................................    28
   Section 10.2.    Records and Documents...........................................................    28
   Section 10.3.    Litigation Cooperation..........................................................    29

ARTICLE XI MISCELLANEOUS............................................................................    29
   Section 11.1.    Expenses........................................................................    29
   Section 11.2.    Notices.........................................................................    29
   Section 11.3.    Amendment and Waiver............................................................    30
   Section 11.4.    Entire Agreement................................................................    30
   Section 11.5.    Parties in Interest.............................................................    31
   Section 11.6.    Further Assurances and Consents.................................................    31
   Section 11.7.    Severability....................................................................    31
   Section 11.8.    Governing Law...................................................................    31
   Section 11.9.    Counterparts....................................................................    31
   Section 11.10.   Disputes........................................................................    32
   Section 11.11.   Force Majeure...................................................................    32
   Section 11.12.   Documentation...................................................................    32
   Section 11.13.   Headings........................................................................    32
</TABLE>

EXHIBIT A - CERTEGY GROUP
EXHIBIT B - TRANSFERRED EQUIFAX ASSETS
EXHIBIT C - EQUIFAX THIRD PARTY AGREEMENTS - TRANSFERS

EXHIBIT E - TRANSFERRED CERTEGY ASSETS
EXHIBIT F - CERTEGY THIRD PARTY AGREEMENTS - TRANSFERS
EXHIBIT G - CERTEGY THIRD PARTY AGREEMENTS - RIGHTS GRANTED
EXHIBIT H - SPECIFIED EQUIFAX LIABILITIES
EXHIBIT I - SPECIFIED CERTEGY LIABILITIES
EXHIBIT J - LICENSED EQUIFAX MATERIALS
EXHIBIT K - LICENSED CERTEGY MATERIALS
EXHIBIT L - UTILITY SOFTWARE PROGRAMS
EXHIBIT M - OTHER IP ASSETS
EXHIBIT N - PROJECTED MIPS

                                        2

<PAGE>

                                                                    EXHIBIT 99.5

                         INTELLECTUAL PROPERTY AGREEMENT

     THIS INTELLECTUAL PROPERTY AGREEMENT ("Agreement"), dated as of June 30,
2001, is entered into by Equifax Inc., a Georgia corporation ("Equifax"), and
Certegy Inc., a Georgia corporation ("Certegy").

                                   BACKGROUND

     A. Certegy is a wholly owned subsidiary of Equifax formed among other
reasons for the purpose of taking title to the intellectual property assets and
assuming the associated liabilities related to the business operations of the
Certegy Group (as defined below).

     B. The Board of Directors of Equifax has determined that it is in the best
interests of Equifax and its shareholders to transfer, assign and/or license to,
or acquire on behalf of, Certegy and Designated Certegy Members (defined below),
as part of the contribution to the capital of Certegy, certain intellectual
property assets used in the business operations of the Certegy Group as
described herein and currently utilized to operate the Certegy Business (as
defined below), and to receive in exchange therefor the consideration described
in the Distribution Agreement (as defined below).

     C. The Board of Directors of Certegy has determined that it is in the best
interests of Certegy and its shareholders to transfer, assign and/or license to,
or acquire on behalf of, Equifax and Designated Equifax Members (defined below)
certain intellectual property assets.

     D. The parties intend that the Distribution (as defined in the Distribution
Agreement) not be taxable to Equifax or its shareholders pursuant to Section 355
of the Code (as defined below).

     E. Equifax and its Affiliates (defined below) own certain intellectual
property that is used in, or may be useful in, the conduct of the business
operations of the Equifax Group (defined below) and/or the Certegy Group.
Equifax and Certegy have determined that subject to the terms herein: (1)
ownership of certain of such intellectual property shall be transferred to the
entity specified in this Agreement on or before the Distribution Date (defined
below); (2) certain intellectual property owned by Equifax and/or its Affiliates
shall be licensed to the entity(ies) specified in this Agreement on or before
the Distribution Date; and (3) the respective rights and obligations of Equifax
and/or its Affiliates under certain Third Party Agreements (defined below) shall
be acquired, assumed or otherwise transferred to the entity(ies) specified in
this Agreement, subject to the consent of the applicable Third Party Provider
(defined below).
<PAGE>

     F. The parties have determined that it is necessary and desirable to
describe the principal transactions required to effect the allocation of their
respective intellectual property rights in conjunction with the Distribution and
to set forth other agreements that will govern certain other matters regarding
the parties' respective intellectual property rights following the Distribution.

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

                                   ARTICLE I

                                  DEFINITIONS

     Section 1.1. Definitions

     As used herein, the following terms have the following meanings:

     (a) "Action" means any claim, suit, arbitration, inquiry, proceeding or
investigation by or before any court, governmental or other regulatory or
administrative agency or commission or any other tribunal.

     (b) "Affiliate" means, with respect to Equifax, any Person, which, whether
directly or indirectly, is Controlled by or is under common Control with Equifax
prior to the Distribution Date.

     (c) "Certegy Business" means the businesses conducted by the members of the
Certegy Group as of the Distribution Date.

     (d) "Certegy Continued Use Materials" means any and all IP Assets (other
than Transferred Assets) owned and/or held by a member of the Equifax Group that
satisfy each of the following criteria: (i) such IP Assets were used in the
Certegy Business during the twelve (12) calendar months prior to the
Distribution Date and for which a continuing business requirement exists on the
Distribution Date, and (ii) such IP Assets or the services, information or
deliverables produced with such IP Assets (A) are not made commercially
available by the Equifax Group to third parties on the Distribution Date, and
(B) are not made available to the Certegy Group after the Distribution Date
pursuant to the Intercompany Data Purchase Agreement or the Transition Support
Agreement.

     (e) "Certegy Enhancements" means software and/or associated documentation
created by or for any member of the Certegy Group on or after the Closing Date,
that provides processing capabilities, functionality or efficiencies,
maintenance, bug fixes or updates not contained in the Transferred Equifax
Assets as of the Closing Date and which is intended for use with and requires a
portion of the Transferred Equifax Assets in order to function properly.

     (f) "Certegy Group" means the entities set forth on Exhibit A and any of
their respective subsidiaries.

                                        2

<PAGE>

     (g) "Certegy Indemnitees" has the meaning given in Section 7.2.

     (h) "Certegy Liabilities" means all unsatisfied Liabilities, whether
arising before, on or after the Distribution Date, based upon or arising out of
the ownership, use or possession by the Certegy Group of the Transferred Equifax
Assets, the Licensed Equifax Materials or the Equifax Marks.

     (i) "Certegy Third Party Use Rights" means the rights granted to or secured
for Equifax or one or more Designated Equifax Members pursuant to Section
3.1(b)(ii).

     (j) "Closing Date" means the Effective Time, as defined in the Distribution
Agreement.

     (k) "Code" means the Internal Revenue Code of 1986, as amended.

     (l) "Company Information" means collectively the Proprietary Information
and the Confidential Information of the disclosing party. Company Information
also includes information that has been disclosed to Equifax or any of its
Affiliates prior to the Distribution Date, or to any member of either Group
after the Distribution Date, by a third party subject to an obligation to treat
such information as confidential or secret.

     (m) "Confidential Information" means any and all confidential business
information of the disclosing party that does not constitute Proprietary
Information and that is the subject of efforts by the disclosing party that are
reasonable under the circumstances to maintain its secrecy and confidentiality,
including without limitation, the existence and nature of the relationship
between the parties, employees of the disclosing party, and any and all
additional information disclosed by the disclosing party to the receiving party
as a result of the receiving party's access to and presence at the disclosing
party's facilities.

     (n) "Control" means the ownership, directly or indirectly, of more than
fifty percent (50%) of the voting shares of an entity, or other possession,
directly or indirectly, of the power to direct or cause the direction of the
management and policies of an entity, or the power to veto major policy
decisions of any such entity, whether through the ownership of voting securities
by contract, or otherwise.

     (o) "Derivative Work" means a work based on one or more pre-existing works,
including without limitation, a condensation, transformation, expansion or
adaptation, that would constitute a copyright infringement if prepared without
authorization of the owner of the copyright of such pre-existing work.

     (p) "Designated Certegy Member" means a member of the Certegy Group, as
designated by Certegy in its sole discretion.

     (q) "Designated Equifax Member" means a member of the Equifax Group, as
designated by Equifax in its sole discretion.

     (r) "Disputes" has the meaning given in the Distribution Agreement.

                                        3

<PAGE>

     (s) "Distribution Agreement" means that certain Distribution Agreement
entered into on or prior to the Distribution Date between Equifax and Certegy,
as amended from time to time.

     (t) "Distribution Date" means the day as of which the Distribution shall be
effective, as determined by the Board of Directors of Equifax, or such committee
of such Board of Directors as shall be designated by the Board of Directors of
Equifax.

     (u) "Divested Business" means the sale or other transfer of a member of
either Group, or a portion of the business operations of any such member, to an
unrelated third party after the Distribution Date.

     (v) "Equifax Business" means the businesses now or formerly conducted by
Equifax and its present and former Affiliates, other than the Certegy Business.

     (w) "Equifax Continued Use Materials" means any and all IP Assets (other
than Transferred Assets) owned and/or held by a member of the Certegy Group that
satisfy each of the following criteria: (i) such IP Assets were used in the
Equifax Business during the twelve (12) calendar months prior to the
Distribution Date and for which a continuing business requirement exists on the
Distribution Date, and (ii) such IP Assets or the services, information or
deliverables produced with such IP Assets (A) are not made commercially
available by the Certegy Group to third parties on the Distribution Date, and
(B) are not made available to the Equifax Group after the Distribution Date
pursuant to the Intercompany Data Purchase Agreement or the Transition Support
Agreement.

     (x) "Equifax Enhancements" means software and/or associated documentation
created by or for any member of the Equifax Group on or after the Closing Date,
that provides processing capabilities, functionality or efficiencies,
maintenance, bug fixes or updates not contained in the Transferred Certegy
Assets on the Closing Date and which is intended for use with and requires a
portion of the Transferred Certegy Assets in order to function properly.

     (y) "Equifax Group" means Equifax and its Affiliates existing on the
Distribution Date and as modified from time to time thereafter, excluding all
members of the Certegy Group.

     (z) "Equifax Indemnitees" has the meaning given in Section 7.1.

     (aa) "Equifax Liabilities" means all unsatisfied Liabilities, whether
arising before, on or after the Distribution Date, based upon or arising out of
the ownership, use or possession by the Equifax Group of the Transferred Certegy
Assets or the Licensed Certegy Materials.

     (bb) "Equifax Marks" mean the Marks owned by Equifax or its Affiliates.

     (cc) "Equifax Third Party Use Rights" means the rights granted to or
secured for Certegy or one or more Designated Certegy Members pursuant to
Section 3.1(a)(ii).

     (dd) "Group" means the Certegy Group and/or the Equifax Group.

     (ee) "Indemnifiable Losses" has the meaning given in Section 7.1.

                                        4

<PAGE>

     (ff) "Indemnified Party" has the meaning given in Section 8.1.

     (gg) "Indemnifying Party" has the meaning given in Section 8.1.

     (hh) "Intercompany Data Purchase Agreement" means that certain Intercompany
Data Purchase Agreement entered into on or prior to the Distribution Date
between Equifax and Certegy, as amended from time to time.

     (ii) "IP Assets" means all intellectual property rights in and to any
ideas, trade secrets, specifications, designs, masks, mask works, copyrights,
patents, Marks and other proprietary rights, of every kind and description,
wherever located, including without limitation, all electronic circuit designs,
works of authorship, databases, compositions of matter, computer software
(whether such computer software constitutes custom software, firmware or systems
created by, or for the exclusive use of either party, or otherwise), algorithms,
and works of authorship expressing such algorithms.

     (jj) "Liabilities" means any and all claims, debts, liabilities and
obligations, absolute or contingent, matured or not matured, liquidated or
unliquidated, accrued or unaccrued, known or unknown, whenever arising, with
respect to a specified object, matter, contract, commitment or undertaking,
including without limitation, all claims, debts, liabilities and obligations
arising under any law, rule, regulation, action, order or consent decree of any
governmental entity or any award of any arbitrator of any kind, related thereto
or arising under any contract, commitment or undertaking relating to such
specified object, matter, contract, commitment or undertaking.

     (kk) "Licensed Certegy Materials" means those IP Assets identified on
Exhibit K and the Equifax Continued Use Materials.

     (ll) "Licensed Equifax Materials" means those IP Assets identified on
Exhibit J and the Certegy Continued Use Materials.

     (mm) "Licensed Materials" means the Licensed Certegy Materials and/or
Licensed Equifax Materials.

     (nn) "Marks" means trademarks, service marks, domain names, tradenames, and
other slogans, designs and distinctive advertising, whether or not registered or
filed with any governmental agency.

     (oo) "Person" means an individual, partnership, joint venture, association,
corporation, limited liability company, trust or any other legal entity.

     (pp) "Proprietary Information" means all non-public information whether
tangible or intangible related to the services or business of the disclosing
party that (i) derives economic value, actual or potential, from not being
generally known to or readily ascertainable by another Person who can obtain
economic value from its disclosure or use; and (ii) is the subject of efforts by
the disclosing party that are reasonable under the circumstances to maintain its
secrecy, including without limitation, (A) marking any information reduced to
tangible form clearly and conspicuously with a legend identifying its
confidential or proprietary nature; (B) identifying any

                                        5

<PAGE>

oral communication as confidential immediately before, during, or after such
oral communication; or (C) otherwise treating such information as confidential
or secret. Assuming the criteria in clauses (i) and (ii) above are met,
Proprietary Information includes information, without regard to form, including,
but not limited to, technical and nontechnical data, databases, formulas,
patterns, designs, compilations, computer programs and software, devices,
inventions, methods, techniques, drawings, processes, financial data, financial
plans, product plans, lists of actual or potential customers and suppliers
(which are not commonly known by or available to the public), research,
development, and existing and future products.

     (qq) "Related Agreements" means all of the written agreements, instruments,
understandings, assignments or other arrangements entered into in connection
with the transactions contemplated hereby (other than this Agreement), including
without limitation, the Distribution Agreement, Intercompany Data Purchase
Agreement and Transition Support Agreement.

     (rr) "Representatives" means, individually and collectively, officers,
directors, employees, agents, and/or independent contractors of each member of
the Group.

     (ss) "Required Consents" means any consents or approvals required to be
obtained (i) to allow the transfer of any assets to and the assumption of the
obligations attendant therewith by a party and release of the transferring party
from such obligations; (ii) to allow a party to assume financial, support,
operational, management and/or administrative responsibility for the Third Party
Rights utilized in the operation of the Equifax Business or Certegy Business,
respectively; (iii) for the licensing, acquiring, transfer and/or grant of the
rights to the Equifax Group or Certegy Group, respectively, to use the Third
Party Rights as contemplated by this Agreement; and/or (iv) for a party to have
access to and use of the space, equipment, software and/or third party services
provided under the Third Party Agreements entered into by the other party as
contemplated by this Agreement.

     (tt) "Third Party Agreements" means agreements, contracts or arrangements
between Equifax and/or its Affiliates, on the one hand, and a Third Party
Provider, on the other.

     (uu) "Third Party Claim" has the meaning given in Section 8.2.

     (vv) "Third Party Provider" means a Person other than a member of either
Group that provides products, software, services, maintenance and/or support to
Equifax or one or more of its Affiliates.

     (ww) "Third Party Rights" means rights granted to Equifax and/or its
Affiliates pursuant to a Third Party Agreement, including (i) all service,
support and maintenance rights related thereto or attendant therewith, and (ii)
all contractual rights, commitments, undertakings and obligations (including
service, data processing, support and maintenance rights and obligations)
attendant therewith or directly related thereto.

     (xx) "Third Party Use Rights" means the respective Equifax Third Party Use
Rights and Certegy Third Party Use Rights.

                                        6

<PAGE>

     (yy) "Transferred Assets" means the Transferred Equifax Assets and
Transferred Certegy Assets.

     (zz) "Transferred Equifax Assets" means the assets to be acquired on behalf
of, or transferred to, Certegy or one or more Designated Certegy Members as
described in Section 2.1.

     (aaa) "Transferred Equifax Third Party Agreements" means the Third Party
Agreements, the rights and obligations of which are to be acquired on behalf of,
or transferred to, Certegy or one or more Designated Certegy Members pursuant to
Section 3.1(a)(i).

     (bbb) "Transferred Certegy Assets" means the assets to be acquired on
behalf of, or transferred to, Equifax or the one or more Designated Equifax
Members as described in Section 2.2.

     (ccc) "Transferred Certegy Third Party Agreements" means the Third Party
Agreements, the rights and obligations of which are to be acquired on behalf of,
or transferred to, Equifax or one or more Designated Equifax Members pursuant to
Section 3.1(b)(i).

     (ddd) "Transferred Third Party Agreements" means the respective Transferred
Equifax Third Party Agreements and/or the Certegy Transferred Third Party
Agreements.

     (eee) "Transition Support Agreement" means that certain Transition Support
Agreement entered into on or prior to the Distribution Date between Equifax and
Certegy, as amended from time to time.

     (fff) "Utility Software Programs" means the software programs set forth on
Exhibit L.

                                   ARTICLE II

         CONVEYANCE OF CERTAIN ASSETS; ASSUMPTION OF CERTAIN LIABILITIES

     Section 2.1. Transferred Equifax Assets.

     Effective as of the Closing Date, and subject to Sections 2.3 and 2.4 and
Article III hereof, Equifax agrees, at its expense, to transfer, or cause to be
transferred, to Certegy or to a Designated Certegy Member all right, title and
interest held by Equifax and/or its Affiliates as of the Closing Date in and to
each of the assets identified on Exhibit B hereto, subject to the retained
rights described therein. Except as set forth on Exhibit B, no other assets
(other than Transferred Equifax Third Party Agreements) are being transferred by
Equifax (or a member of the Equifax Group) pursuant to this Agreement.

     Section 2.2. Transferred Certegy Assets.

     Effective as of the Closing Date, and subject to Sections 2.3 and 2.4 and
Article III hereof, Certegy agrees to transfer, or cause to be transferred, to
Equifax or to a Designated Equifax Member all right, title and interest held by
the members of the Certegy Group as of the Closing Date in and to each of the
assets identified on Exhibit E, subject to the retained rights

                                        7

<PAGE>

described therein. Except as set forth on Exhibit E, no other assets (other than
Transferred Certegy Third Party Agreements) are being transferred by Certegy (or
a member of the Certegy Group) pursuant to this Agreement. The expenses payable
to third parties that are not members of either Group to effect such transfers
shall be the financial responsibility of Equifax.

     Section 2.3. Assumption of Liabilities.

     (a) As of the Closing Date, Equifax shall, or shall cause the respective
Designated Equifax Member to, assume all payment and performance obligations
attendant with the Transferred Certegy Assets and the Equifax Liabilities,
including, without limitation, the Liabilities identified on Exhibit H.

     (b) As of the Closing Date, Certegy shall, or shall cause the respective
Designated Certegy Member to, assume all payment and performance obligations
attendant with the Transferred Equifax Assets and the Certegy Liabilities,
including, without limitation, the Liabilities identified on Exhibit I.

     Section 2.4. Completion of Transactions.

     (a) In the event that any conveyance of a Transferred Asset, Transferred
Third Party Agreement, or the provision of a Third Party Right or Third Party
Use Right, or assumption of any Liability, required by this Agreement is not
effected on or before the Closing Date, the obligation to transfer such
Transferred Asset or Transferred Third Party Agreement, provide such Third Party
Right or Third Party Use Right, and assume such Liability shall continue past
the Closing Date and shall be effected by the parties as soon thereafter as
practicable; provided, however, that neither party shall be obligated under this
paragraph to transfer any Transferred Third Party Agreement and/or provide Third
Party Use Rights that either (i) did not exist as of the Closing Date or (ii)
are no longer required by the party who is the intended transferee of the
respective Third Party Agreement or is entitled to receive the Third Party Use
Rights for the continued operation of such party's business.

     (b) If any Transferred Asset or Transferred Third Party Agreement may not
be transferred or acquired by reason of a requirement to obtain a Required
Consent or any other approval of any third party and such Required Consent or
other approval has not been obtained by the Closing Date, then such Transferred
Asset or Transferred Third Party Agreement shall not be transferred or acquired
until such Required Consent or other approval has been obtained. Equifax and
Certegy shall, and as the case may be, shall cause the member of its respective
Group which is the holder of such Transferred Asset or Transferred Third Party
Agreement prior to transfer, to use all reasonable efforts to provide to the
applicable member of the other Group all the rights and benefits under such
Transferred Asset or Transferred Third Party Agreement and to cause such holder
to enforce such Transferred Asset or Transferred Third Party Agreement for the
benefit of such member of the other Group; provided, however, that the foregoing
obligation shall not, in any way, require Equifax, Certegy or any member of a
respective Group to breach any Transferred Third Party Agreement or incur or
suffer any liability with respect to any Transferred Third Party Agreement.
Moreover, if any transfer of a Transferred Asset or Transferred Third Party
Agreement or provision of a Third Party Right or Third Party Use Right, is not
completed by the Closing Date in accordance with this Agreement for any reason,
each of

                                        8

<PAGE>

Equifax and Certegy shall, and shall cause the members of its Group to,
cooperate in achieving a reasonable alternative arrangement for the affected
members of the Groups to obtain the economic and operational equivalent of the
intended transfer of such Transferred Asset or Third Party Agreement and/or
provision of such Third Party Right or Third Party Use Right, and assumption of
the attendant Liabilities, with minimum interference to such members' business
operations until such transfer of such Transferred Asset or Third Party
Agreement, and/or provision of such Third Party Right or Third Party Use Right,
is completed. The costs payable to third parties that are not members of either
Group to achieve any such reasonable alternative arrangement shall be the
financial responsibility of Equifax.

     (c) From time to time on and after the Closing Date, each party shall
promptly transfer, and cause the appropriate members of its Group promptly to
transfer, to the other party, or the designated member of the other party's
Group, any property and other benefits received by such party, or the members of
its Group, that are intended to be or are a Transferred Asset or Transferred
Third Party Agreement of the other party under this Agreement. Without limiting
the foregoing, funds received by a member of either Group that belong to a
member of the other Group (whether by payment of accounts receivable, credits,
rebates or other amounts, however described) shall be delivered to the other
Group by wire transfer not more than five (5) business days after receipt of
such payment.

                                   ARTICLE III

                             THIRD PARTY AGREEMENTS

     Section 3.1. Third Party Agreements.

     (a) Effective as of the Closing Date, Equifax shall (i) transfer, or cause
to be transferred, to Certegy or a Designated Certegy Member, or acquire on
Certegy's behalf, the rights and obligations of Equifax and its Affiliates in
and to the Third Party Agreements identified on Exhibit C (including all Third
Party Rights related thereto) and (ii) grant rights to or secure rights
(including rights as an "authorized user") for Certegy or a Designated Certegy
Member under the Third Party Agreements identified on Exhibit D, in each case,
subject to the respective payment obligations or other terms set forth on
Exhibit C and Exhibit D.

     (b) Effective as of the Closing Date, Certegy shall (i) transfer, or cause
to be transferred, to Equifax or a Designated Equifax Member, or acquire on
Equifax's behalf, the rights and obligations of the members of the Certegy Group
in and to the Third Party Agreements identified on Exhibit F (including all
Third Party Rights related thereto) and (ii) grants rights to or secure rights
(including rights as an "authorized user") for Equifax or a Designated Equifax
Member under the Third Party Agreements identified on Exhibit G, in each case,
subject to the respective payment obligations or other terms set forth on
Exhibit F and Exhibit G.

     (c) Unless as expressly provided hereunder, neither party shall have any
obligation to transfer, have transferred or acquire any Third Party Rights or
Third Party Use Rights for or on behalf of the other party.

                                       9

<PAGE>

     (d) Without limiting each party's specific obligations pursuant hereto (or
in any separate agreement) with respect to Third Party Rights and Third Party
Use Rights, each of Certegy and Equifax agrees to, in connection with its use
of, exploitation of and performance pursuant to any Third Party Rights or Third
Party Use Rights, including, without limitation, such party's rights to use,
copy, exploit, distribute, display, copy and sublicense any software secured for
or granted to such party pursuant to such Third Party Rights or Third Party Use
Rights, comply with the terms, scope, restrictions and provisions (including,
without limitation, usage limitations) of any Third Party Rights or Third Party
Agreements that govern such Third Party Rights or Third Party Use Rights. A
failure to comply with this paragraph shall constitute a breach of this
Agreement.

     Section 3.2. Required Consents.

     (a) Equifax with respect to Transferred Equifax Third Party Agreements and
Equifax Third Party Use Rights, and Certegy with respect to Transferred Certegy
Third Party Agreements and Certegy Third Party Use Rights, shall, or shall cause
the appropriate member of its respective Group to, use its reasonable commercial
efforts to obtain the grant to the applicable member of the other Group, the
Required Consents from the Third Party Providers under such respective Third
Party Agreements as necessary to effect the provisions of this Agreement. Each
party will provide the other party with advice on its experience and agreements
with the Third Party Providers with regard to obtaining any Required Consent
under such Third Party Agreements. Equifax and Certegy will each have management
and administrative responsibilities for obtaining all Required Consents required
as of the Closing Date to which a member of its respective Group is a party.
Equifax shall have the right of prior approval of the terms upon which all
Required Consents are obtained.

     (b) Except as otherwise provided in Section 3.1 and the exhibits referenced
therein, Equifax shall bear the costs payable to third parties that are not
members of either Group, if any, of obtaining all Required Consents, including
without limitation, all charges and fees related to obtaining the Required
Consents for the Transferred Third Party Agreements and Third Party Use Rights.

     (c) Equifax and Certegy shall use reasonable commercial efforts to obtain
all Required Consents with regard to Transferred Third Party Agreements and
Third Party Use Rights within one hundred eighty (180) days after the Closing
Date, unless otherwise agreed by the parties in writing. Until all Required
Consents are obtained, Equifax and Certegy shall each periodically publish a
list setting forth the status of each Required Consent for which a member of its
respective Group is the contracting party immediately prior to the Closing Date.
Equifax and Certegy shall timely cooperate with each other in order to
facilitate the proper and timely publication of such periodic Required Consents
list. If any Required Consent is not obtained with respect to any of the Third
Party Agreements or Third Party Use Rights, the parties shall cooperate with
each other in achieving a reasonable alternative arrangement for the affected
Group to continue to process its work with minimum interference to its business
operations until such Required Consents are obtained, including without
limitation, implementing the provisions of Section 2.4(b). Except as otherwise
provided in Section 3.1 and the exhibits referenced therein, the cost payable to
third parties that are not members of either Group of achieving such

                                       10

<PAGE>

reasonable alternative arrangements with respect to Third Party Rights that are
a part of the Transferred Assets or Transferred Third Party Agreements shall be
borne by Equifax.

     (d) The financial obligations of Equifax under Sections 3.2(b) and (c) for
Required Consents and alternative arrangements, shall terminate with respect to
all such Required Consents and alternative arrangements not identified by the
parties to each other in a writing within twelve (12) months after the Closing
Date, and for all Required Consents and alternative arrangements identified
thereafter, all such financial obligations shall be borne by the party needing
the Required Consent or alternative arrangement to operate under or take
assignment of the Third Party Agreement or to obtain such Third Party Right for
which such Required Consent or alternative arrangement is required.

     (e) For all periods after the Closing Date, except as set forth in Sections
3.2(b) and 3.2(c) for Required Consents and alternative arrangements, Equifax
and Certegy shall each bear financial responsibility and pay the Third Party
Providers, under all Transferred Third Party Agreements transferred to its
respective Group pursuant to Sections 3.1(a)(i) and 3.1(b)(i) above.

     Section 3.3. Discharge of Liabilities.

     (a) Certegy agrees that on and after the Closing Date it will timely pay,
perform and discharge, or cause to be timely paid, performed and discharged, all
of the Certegy Liabilities.

     (b) Equifax agrees that on and after the Closing Date it will timely pay,
perform and discharge, or cause to be timely paid, performed and discharged, all
of the Equifax Liabilities.

                                   ARTICLE IV

                               LICENSED MATERIALS

     Section 4.1. Grant of Licenses by Equifax.

     (a) Equifax hereby grants, and will cause the other members of the Equifax
Group to grant, to Certegy a fully paid, non-exclusive, perpetual, worldwide,
non-transferable license to use, modify, copy, improve, create Derivative Works
and Certegy Enhancements from, and sublicense the Licensed Equifax Materials
(excluding the Utility Software Programs) solely for use in the Certegy Business
and as that business may evolve and change in the future, subject to the
following:

          (i)   Certegy shall not sublicense, or otherwise disclose or
                distribute, or permit any Person to use, the Licensed Equifax
                Materials (excluding the Utility Software Programs), except in
                accordance with Section 4.1(b);

          (ii)  Certegy shall hold the Licensed Equifax Materials (excluding the
                Utility Software Programs) in strict confidence; will not remove
                or destroy any proprietary markings of the Equifax Group on or
                contained in the Licensed Equifax Materials (excluding the
                Utility

                                       11

<PAGE>

                Software Programs); and will include the copyright and patent
                notices of the licensor as specified from time to time by the
                licensor for the Licensed Equifax Materials (excluding the
                Utility Software Programs) on and in all copies of the Licensed
                Equifax Materials (excluding the Utility Software Programs);

          (iii) Certegy shall not export or re-export the Licensed Equifax
                Materials (excluding the Utility Software Programs) without the
                appropriate United States or foreign government licenses; and

          (iv)  all sublicenses from Certegy to members of the Certegy Group (A)
                shall contain the rights and restrictions set forth in this
                Section 4.1(a) with respect to the license granted to Certegy
                and comply with Sections 4.1(b) through (d) hereof and (B) shall
                be diligently enforced by Certegy.

     (b) The sublicense rights granted to Certegy pursuant to Section 4.1(a)
include the right for Certegy to grant sublicenses to the Licensed Equifax
Materials (excluding the Utility Software Programs) to the members of the
Certegy Group, which sublicenses may include the right to further sublicense
such Licensed Equifax Materials (excluding the Utility Software Programs) to
such Group member's customers solely for each such customer's internal business
purposes to the extent related to the Certegy Business. All sublicensing by
Certegy and other members of the Certegy Group to any one of their customers
shall be pursuant to written agreements with such customer, executed before or
at the time of furnishing each copy of the Licensed Equifax Materials (excluding
the Utility Software Programs) to such customer, and which provide at a minimum
that such customer:

          (i)   receives only a personal, non-transferable and nonexclusive
                right to use such copy of the Licensed Equifax Materials
                (excluding the Utility Software Programs);

          (ii)  receives no title in the intellectual property contained in the
                Licensed Equifax Materials (excluding the Utility Software
                Programs);

          (iii) will not copy the Licensed Equifax Materials (excluding the
                Utility Software Programs), except as necessary to use such
                Licensed Equifax Materials (excluding the Utility Software
                Programs) in accordance with the license grant and to make one
                archival copy;

          (iv)  will not export or re-export the Licensed Equifax Materials
                (excluding the Utility Software Programs) without the
                appropriate United States or foreign government licenses;

          (v)   will hold the Licensed Equifax Materials (excluding the Utility
                Software Programs) in confidence; will not reverse compile or
                disassemble the Licensed Equifax Materials (excluding the
                Utility

                                       12

<PAGE>

                Software Programs); will not remove or destroy any proprietary
                markings of the licensor on or contained in the Licensed Equifax
                Materials (excluding the Utility Software Programs), and will
                include the copyright and patent notices of the licensor as
                specified from time to time by the licensor for the Licensed
                Equifax Materials (excluding the Utility Software Programs) on
                and in all copies of the Licensed Equifax Materials (excluding
                the Utility Software Programs); and

          (vi)  will not sublicense, assign or otherwise transfer the Licensed
                Equifax Materials (excluding the Utility Software Programs) to
                any other Person.

     (c) In the event any member of the Certegy Group sublicenses any portion of
the Licensed Equifax Materials (excluding the Utility Software Programs) to any
third party pursuant to Section 4.1(a) and (b) above, Certegy agrees to ensure
that such member shall diligently enforce the terms and conditions of all
sublicenses granted pursuant to this Section 4.1.

     (d) In the event that Certegy, or another member of the Certegy Group,
shall enter into a Divested Business transaction with respect to the Certegy
Group, and the scope of permitted use or other terms applicable to the Licensed
Equifax Materials (excluding the Utility Software Programs) under the license or
sublicenses granted in this Section 4.1 are required to be modified to effect
such transaction, Equifax will, or will cause the sublicensor under the
applicable sublicense to, agree to such modifications to the extent (i) required
for the transaction to be effected and (ii) not materially detrimental to the
interests of the Equifax Group. Such modifications shall not be effective until
the Divested Business or the acquiror thereof, as required by Equifax, has
entered into a license agreement with the appropriate member of the Equifax
Group incorporating the terms of Section 4.1 and Section 4.2 and such other
terms as Equifax reasonably deems appropriate for the protection of its
interests in the Licensed Equifax Materials.

     (e) Without limiting the foregoing, Equifax hereby grants, and will cause
the other members of the Equifax Group to grant, to Certegy a fully paid, non-
exclusive, perpetual, worldwide, transferable license to use, modify, improve,
create Derivative Works from, and sublicense, the Utility Software Programs (in
both object and source code format) identified on Exhibit L as being owned by
Equifax or a member of the Equifax Group for any and all fields of use and to
any and all Persons.

     (f) The Licensed Equifax Materials may be marketed under such name and in
such manner as Certegy chooses, consistent with the terms and conditions of this
Agreement.

     (g) Except for the Certegy Group's rights described in Section 4.1(a), (b)
and (e) above, the Equifax Group's rights in and to the Licensed Equifax
Materials shall be and remain the exclusive property of Equifax or the members
of the Equifax Group, and their respective successors and assigns.

                                       13

<PAGE>

     Section 4.2. Ownership of Enhancements by Certegy.

     (a) Unless Exhibit J provides otherwise, Certegy, or the respective
Designated Certegy Member, shall own all the modifications and improvements to,
and the Certegy Enhancements and/or Derivative Works made from, the Licensed
Equifax Materials developed by any member of the Certegy Group, or by any party
other than a member of the Equifax Group at the expense of the Certegy Group.
Equifax hereby assigns, and shall cause each member of the Equifax Group to
assign, to Certegy, or the respective Designated Certegy Member, all right,
title and interest it may hold in and to such modifications, improvements,
Certegy Enhancements and Derivative Works. Certegy shall, or shall cause the
respective Designated Certegy Member to, have the right to make and file all
applications and other documents required to register the copyright(s) and file
for patents for such modifications, improvements, Certegy Enhancements and
Derivative Works in its discretion and at its sole cost and expense.

     (b) Should Certegy elect to file any application for the registration,
perfection or protection of any modifications, improvements, Certegy
Enhancements or Derivative Works described in Section 4.2(a), under any
copyright, patent or other law of any country or jurisdiction, Equifax will, at
the request and expense of Certegy, do all things and sign all documents or
instruments reasonably necessary in the opinion of Certegy to assist in the
registration of such claims, file such applications, and obtain, defend and
enforce such copyright, patent, mask work and other rights.

     (c) Subject to the license rights granted in Section 4.1, as between the
parties. the Licensed Equifax Materials shall be and shall remain the sole and
exclusive property of the Equifax Group and the members of the Equifax Group may
make any internal use and may commercially exploit any enhancements to the
Licensed Materials made or caused to be made by members of the Equifax Group, as
they shall deem appropriate without any obligation to any member of the Certegy
Group or other restriction. The Equifax Group may in particular distribute and
manufacture, or cause to be manufactured or distributed by any third party, any
such enhancements and/or the Licensed Equifax Materials.

     Section 4.3. License to Marks.

     (a) Equifax hereby grants, and will cause each member of the Equifax Group
to grant, to Certegy and each member of the Certegy Group a fully paid, non-
exclusive, worldwide, non-transferable right to continue to use the Equifax
Marks employed in the Certegy Business, but only to the extent such Equifax
Marks were displayed by the Certegy Group prior to the Distribution Date (i) on
the Transferred Equifax Assets, (ii) on premises jointly occupied with Equifax,
and (iii) on letterhead, product and services documentation, invoices, software
programs, packaging and similar materials used by the members of the Certegy
Group, and such Equifax Marks are used in accordance with the guidelines for
usage of the Equifax Marks published and amended by Equifax from time to time.
Certegy will terminate the use of such Equifax Marks as soon as commercially
practical but in any event within twelve (12) months after the Closing Date.

     (b) Certegy hereby grants, and will cause each member of the Certegy Group
to grant, to Equifax and each member of the Equifax Group a fully paid, non-
exclusive, worldwide, non-

                                       14

<PAGE>

transferable right to continue to use the Marks that were owned immediately
prior to the Distribution Date by a member of the Certegy Group and employed in
the Equifax Business, but only to the extent such Marks were displayed by the
Equifax Group prior to the Distribution Date (i) on assets owned by Equifax or
any member of the Equifax Group (other than the Transferred Assets), (ii) on
premises jointly occupied with one or more members of the Certegy Group, and
(iii) on letterhead, product and services documentation, invoices, software
programs, packaging and similar materials used by the members of the Equifax
Group, and such Marks are used in accordance with the same guidelines for usage
as the Equifax Marks as described in subsection (a) above. Equifax will
terminate the use of such Marks as soon as commercially practical but in any
event within twelve (12) months after the Distribution Date.

     Section 4.4. Grant of License by Certegy.

     (a) Certegy hereby grants, and will cause the other members of the Certegy
Group to grant, to Equifax a fully paid, non-exclusive, perpetual, worldwide,
non-transferable license to use, modify, copy, improve, create Derivative Works
and Equifax Enhancements from, and sublicense the Licensed Certegy Materials
(excluding the Utility Software Programs) solely for use in the Equifax Business
and as that business may evolve and change in the future, subject to the
following:

          (i)   Equifax shall not sublicense, or otherwise disclose or
                distribute, or permit any Person to use, the Licensed Certegy
                Materials (excluding the Utility Software Programs), except in
                accordance with Section 4.4(b);

          (ii)  Equifax shall hold the Licensed Certegy Materials (excluding the
                Utility Software Programs) in strict confidence; will not remove
                or destroy any proprietary markings of the Certegy Group on or
                contained in the Licensed Certegy Materials (excluding the
                Utility Software Programs); and will include the copyright and
                patent notices of the licensor as specified from time to time by
                the licensor for the Licensed Certegy Materials (excluding the
                Utility Software Programs) on and in all copies of the Licensed
                Certegy Materials (excluding the Utility Software Programs);

          (iii) Equifax shall not export or re-export the Licensed Certegy
                Materials (excluding the Utility Software Programs) without the
                appropriate United States or foreign government license; and

          (iv)  all sublicenses from Equifax to members of the Equifax Group (A)
                shall contain the rights and restrictions set forth in this
                Section 4.4(a) with respect to the license granted to Equifax
                and comply with Sections 4.4(b) through (d) hereof and (B) shall
                be diligently enforced by Equifax.

     (b) The sublicense rights granted to Equifax pursuant to Section 4.4(a)
include the right for Equifax to grant sublicenses to the Licensed Certegy
Materials (excluding the Utility

                                       15

<PAGE>

Software Programs) to the members of the Equifax Group, which sublicenses may
include the right to further sublicense such Licensed Certegy Materials
(excluding the Utility Software Programs) to such Group member's customers
solely for each such customer's internal business purposes to the extent related
to the Equifax Business. All sublicensing by Equifax and other members of the
Equifax Group to any one of their customers shall be pursuant to written
agreements with such customer, executed before or at the time of furnishing each
copy of the Licensed Certegy Materials (excluding the Utility Software Programs)
to such customer, and which provide at a minimum that such customer:

          (i)   receives only a personal, non-transferable and nonexclusive
                right to use such copy of the Licensed Certegy Materials
                (excluding the Utility Software Programs);

          (ii)  receives no title in the intellectual property contained in the
                Licensed Certegy Materials (excluding the Utility Software
                Programs);

          (iii) will not copy the Licensed Certegy Materials (excluding the
                Utility Software Programs), except as necessary to use such
                Licensed Certegy Materials (excluding the Utility Software
                Programs) in accordance with the license grant and to make one
                archival copy;

          (iv)  will not export or re-export the Licensed Certegy Materials
                (excluding the Utility Software Programs) without the
                appropriate United States or foreign government licenses;

          (v)   will hold the Licensed Certegy Materials (excluding the Utility
                Software Programs) in confidence; will not reverse compile or
                disassemble the Licensed Certegy Materials (excluding the
                Utility Software Programs); will not remove or destroy any
                proprietary markings of the licensor on or contained in the
                Licensed Certegy Materials (excluding the Utility Software
                Programs); and will include the copyright and patent notices of
                the licensor as specified from time to time by the licensor for
                the Licensed Certegy Materials (excluding the Utility Software
                Programs) on and in all copies of the Licensed Certegy Materials
                (excluding the Utility Software Programs); and

          (vi)  will not sublicense, assign or otherwise transfer the Licensed
                Certegy Materials (excluding the Utility Software Programs) to
                any other Person.

     (c) In the event any member of the Equifax Group sublicenses any portion of
the Licensed Certegy Materials (excluding the Utility Software Programs) to any
third party pursuant to Section 4.4(a) and (b) above, Equifax agrees to ensure
that such member shall diligently enforce the terms and conditions of all
sublicenses granted pursuant to this Section 4.4.

                                       16

<PAGE>

     (d) In the event that Equifax, or another member of the Equifax Group,
shall enter into a Divested Business transaction with respect to the Equifax
Group, and the scope of permitted use or other terms applicable to the Licensed
Certegy Materials (excluding the Utility Software Programs) under the license or
sublicenses granted in this Section 4.4 are required to be modified to effect
such transaction, Certegy will, or will cause the sublicensor under the
applicable sublicense to, agree to such modifications to the extent (i) required
for the transaction to be effected and (ii) not materially detrimental to the
interests of the Certegy Group. Such modifications shall not be effective until
the Divested Business or the acquiror thereof, as required by Certegy, has
entered into a license agreement with the appropriate member of the Certegy
Group incorporating the terms of Section 4.4 and Section 4.5 and such other
terms as Certegy reasonably deems appropriate for the protection of its
interests in the Licensed Certegy Materials.

     (e) Without limiting the foregoing, Certegy hereby grants, and will cause
the other members of the Certegy Group to grant, to Equifax a fully paid, non-
exclusive, perpetual, worldwide, transferable license to use, modify, improve,
create Derivative Works from, and sublicense, the Utility Software Programs (in
both object and source code format) identified on Exhibit L as being owned by
Certegy or a member of the Certegy Group for any and all fields of use and to
any and all Persons.

     (f) The Licensed Certegy Materials may be marketed under such name and in
such manner as Equifax chooses, consistent with the terms and conditions of this
Agreement.

     (g) Except for the Equifax Group's rights described in Section 4.4(a), (b)
and (e) above, the Certegy Group's rights in and to the Licensed Certegy
Materials shall be and remain the exclusive property of Certegy or the
respective Designated Certegy Member.

     Section 4.5. Ownership of Enhancements by Equifax.

     (a) Unless Exhibit K provides otherwise, Equifax, or the respective
Designated Equifax Member, shall own all the modifications and improvements to,
and the Equifax Enhancements and/or Derivative Works made from, the Licensed
Certegy Materials developed by any member of the Equifax Group, or by any party
other than a member of the Certegy Group at the expense of the Equifax Group.
Certegy hereby assigns, and shall cause each member of the Certegy Group to
assign, to Equifax, or the respective Designated Equifax Member, all right,
title and interest it may hold in and to such modifications, improvements,
Equifax Enhancements and Derivative Works. Equifax shall, or shall cause the
respective Designated Equifax Member to, have the right to make and file all
applications and other documents required to register the copyright(s) and file
for patents for such modifications, improvements, Equifax Enhancements and
Derivative Works in its discretion and at its sole cost and expense.

     (b) Should Equifax elect to file any application for the registration,
perfection or protection of any modifications, improvements, Equifax
Enhancements or Derivative Works described in Section 4.5(a), under any
copyright, patent or other law of any country or jurisdiction, Certegy will, at
the request and expense of Equifax, do all things and sign all documents or
instruments reasonably necessary in the opinion of Equifax to assist in the

                                       17

<PAGE>

registration of such claims, file such applications, and obtain, defend and
enforce such copyright, patent, mask work and other rights.

     (c) Subject to the license rights granted in Section 4.4, as between the
parties, the Licensed Certegy Materials shall be and shall remain the sole and
exclusive property of the Certegy Group and the members of the Certegy Group may
make any internal use and may commercially exploit any enhancements to the
Licensed Materials made or caused to be made by members of the Equifax Group, as
they shall deem appropriate without any obligation to any member of the Equifax
Group or other restriction. The Certegy Group may in particular distribute and
manufacture, or cause to be manufactured or distributed by any third party, any
such enhancements and/or Licensed Certegy Materials.

     Section 4.6. Data.

     In no event shall any member of either Group be deemed to have been granted
any rights under this Agreement in or to any data owned or maintained by any
other member of the other Group, except as specifically provided in Sections 2.1
or 2.2. The respective rights of the members of each Group in and to such data
shall be governed exclusively by Sections 2.1 or 2.2 and the Intercompany Data
Purchase Agreement.

     Section 4.7. Mutual Obligations.

     (a) The parties agree and acknowledge that, in addition to the rights
granted or to be granted to the parties herein, certain other rights to software
source code, object code and documentation, and trademarks and service marks
related thereto, are described on Exhibit M.

     (b) The parties acknowledge and agree that as of the Closing Date, the UK
mainframe environment, consisting of mainframe computer hardware ("Mainframe
Hardware") and certain third party software ("OEM Software"), currently consists
of three (3) logical partitions ("LPARs"), two (2) of which are shared between
Equifax and Certegy. The parties acknowledge and agree that certain OEM Software
("MIPS-Based Software") being used on the Mainframe Hardware contains
limitations based upon the number of millions of instructions per second
("MIPS") performed; other OEM Software ("CPU-Based Software") being used on the
Mainframe Hardware contains limitations based upon CPU group ratings. The
parties also acknowledge and agree that they have previously determined the
number of MIPS available, for each party, in excess of the current combined MIPS
usage, in connection with the MIPS-Based Software ("Projected MIPS"), and in
connection with the CPU-Based Software ("Overhead MIPS"), both as set forth on
Exhibit N. With respect to the foregoing, the parties hereby agree as follows:

          (i) Certegy agrees that it shall, no later than March 31, 2002,
establish, or cause to be established, one or more new and separate LPAR(s) and
that Certegy shall no longer share any LPAR with Equifax. Certegy shall be
responsible for paying any and all additional software license fees, service
fees, fees related to hardware, or other similar fees incurred to establish the
new LPAR(s) and to migrate from the existing to the new LPAR(s). Notwithstanding
anything contained herein to the contrary, if the deadline for LPAR separation
is not met by Certegy prior to March 31, 2002, any costs or fees, including all
fees, costs or expenses incurred as a result of

                                       18

<PAGE>

increased capacity or speed requirements or otherwise, incurred by either party
due to the non-separation shall be borne by Certegy.

          (ii) If either party, prior to or at the time of the complete
separation of LPARs (described in subsection (i) above), exceeds its respective
Projected MIPS for any year, and, thereafter, any of the MIPS-Based Software is
required, under the terms of the respective software licenses, to be upgraded to
allow usage of the additional MIPS, the party first exceeding its respective
Projected MIPS ("Triggering Party") shall bear the full cost and expense of
upgrading the MIPS-Based Software licenses (whether or not such party ultimately
caused the MIPS limitations to be exceeded). Notwithstanding the foregoing, at
any time after an upgrade to a MIPS-Based Software license is purchased, if the
non-Triggering Party exceeds its Projected MIPS during a respective year, such
non-Triggering Party shall pay the Triggering Party an amount equal to the total
cost to the Triggering Party of purchasing the upgrade multiplied by a fraction,
the numerator of which is the number of MIPS used by the non-Triggering Party
that exceeds its original Projected MIPS, and the denominator of which is the
total number of MIPS permitted or allowable pursuant to the MIPS-Based Software
upgrade, but excluding the total number of MIPS permitted prior to the upgrade.

          (iii) If either party, prior to or at the time of the complete
separation of LPARs (described in subsection (i) above), exceeds its respective
Overhead MIPS for any year, and, thereafter, the CPU-Based Software is required,
under the terms of the respective software licenses, to be upgraded to allow
usage of the additional MIPS, the party first exceeding its respective Overhead
MIPS ("CPU Triggering Party") shall bear the full cost and expense of upgrading
the CPU-Based Software licenses (whether or not such party ultimately caused the
MIPS limitations to be exceeded). Notwithstanding the foregoing, at any time
after an upgrade to a CPU-Based Software license is purchased, if the other
party ("non-CPU Triggering Party") exceeds its Overhead MIPS during a respective
year, such non-CPU Triggering Party shall pay the CPU Triggering Party an amount
equal to the total cost to the CPU Triggering Party of purchasing the upgrade
multiplied by a fraction, the numerator of which is the number of MIPS used by
the non-CPU Triggering Party that exceeds its original Overhead MIPS, and the
denominator of which is the total number of MIPS permitted or allowable pursuant
to the CPU-Based Software upgrade, but excluding the total number of MIPS
permitted prior to the upgrade.

          (iv) The rules related to OEM Software upgrade requirements described
in subsections (ii) and (iii) above shall apply in the same manner, before or
after the completion of the LPAR separation, with respect to Mainframe Hardware
upgrade requirements.

          (v) Notwithstanding the foregoing, Certegy shall cease the use of any
software or hardware that is shared between the parties no later than the date
which is two (2) years following the Closing Date.

     (c) The parties acknowledge that the Licensed Materials are "intellectual
property" within the meaning of Section 101 of the Federal Bankruptcy Act and
shall be subject to Section 365(n) thereof, all as set forth in the Intellectual
Property Bankruptcy Protection Act, Public Law 100-506, 102 Stat. 2538.

                                       19

<PAGE>

     (d) In full and complete payment of the licenses granted in this Agreement,
the parties have made the payment described in the Distribution Agreement as set
forth in the Distribution Agreement.

     (e) Each party shall notify the other party of any involuntary attachment
or other judicial process affecting the Licensed Materials.

                                    ARTICLE V

                                   THE CLOSING

     Section 5.1. Equifax Deliverables.

     On or before the Distribution Date, and effective as of the Closing Date,
Equifax will, and/or will cause each member of the Equifax Group to, deliver to
Certegy each of the following:

     (a) Duly executed assignment and assumption agreements necessary for the
assignment and transfer to, and the assumption by Certegy of, the Transferred
Equifax Assets and Transferred Equifax Third Party Agreements;

     (b) Duly executed assignment and assumption agreements necessary for the
assignment and transfer to, and the assumption by Equifax of, the Equifax
Liabilities; and

     (c)  Such other agreements, leases, documents or instruments as the parties
may agree are necessary or desirable in order to achieve the purposes of this
Agreement.

     Section 5.2. Certegy Deliverables.

     On the Closing Date, Certegy will, and/or will cause each member of the
Certegy Group to, deliver to Equifax each of the following:

     (a) Duly executed assignment and assumption agreements necessary for the
assignment and transfer to, and the assumption by Equifax of, the Transferred
Certegy Assets and the Transferred Certegy Third Party Agreements;

     (b) Duly executed assignment and assumption agreements necessary for the
assignment and transfer to, and the assumption by Certegy of, the Certegy
Liabilities; and

     (c) Such other agreements, documents or instruments as the parties may
agree are necessary or desirable in order to achieve the purposes of this
Agreement.

                                       20

<PAGE>

                                   ARTICLE VI

                         REPRESENTATIONS AND WARRANTIES

     Except as expressly set forth in this Agreement or any Related Agreement,
neither any member of the Equifax Group, nor any member of the Certegy Group,
has given or is giving any representation or warranty regarding the assets or
Liabilities retained, transferred, assumed or licensed as contemplated hereby or
thereby, including without limitation, (i) title to the assets, (ii) validity of
the Liabilities, (iii) any lien, claim or other encumbrance affecting the assets
or Liabilities, or (iv) the value of the assets and the amount of the
Liabilities. Except as may be expressly set forth in this Agreement or any
Related Agreement, all assets and Liabilities were, or are being, transferred,
assigned, licensed, assumed, or are being retained, on an "AS IS," "WHERE IS"
basis and the respective transferees, licensees and assignees will bear the
economic and legal risks that any such conveyance (x) shall prove to be
insufficient to vest in the transferee a title that is free and clear of any
lien, claim or other encumbrance, or (y) shall not constitute an infringement of
a third party's rights.

                                   ARTICLE VII

                                 INDEMNIFICATION

     Section 7.1. Certegy Indemnification of the Equifax Group.

     If the Distribution occurs, on and after the Distribution Date, Certegy
shall indemnify, defend and hold harmless each member of the Equifax Group, and
each of their respective directors, officers, employees and agents (collectively
the "Equifax Indemnitees") from and against any and all damage, loss, liability
and expense, (including without limitation, reasonable expenses of investigation
and reasonable attorneys' fees and expenses) in connection with any and all
Actions or threatened Actions (collectively, "Indemnifiable Losses") incurred or
suffered by any of the Equifax Indemnitees and arising out of, or due to, the
failure of Certegy, or any other member of the Certegy Group, to timely pay,
perform or otherwise discharge, any of the Certegy Liabilities or its
obligations under this Agreement.

                                       21

<PAGE>

     Section 7.2. Equifax Indemnification of the Certegy Group.

     If the Distribution occurs, on and after the Distribution Date, Equifax
shall indemnify, defend and hold harmless each member of the Certegy Group and
each of their respective directors, officers, employees and agents (collectively
the "Certegy Indemnitees") from and against any and all Indemnifiable Losses
incurred or suffered by any of the Certegy Indemnitees and arising out of, or
due to, the failure of Equifax, or any other member of the Equifax Group, to
timely pay, perform or otherwise discharge, any of the Equifax Liabilities or
its obligations under this Agreement or any Related Agreement.

     Section 7.3. Insurance and Third Party Obligations.

     No insurer or any other third party shall be, by virtue of the foregoing
indemnification provisions, (a) entitled to a benefit it would not be entitled
to receive in the absence of such provisions, (b) relieved of the responsibility
to pay any claims to which it is obligated, or (c) entitled to any subrogation
rights with respect to any obligation hereunder.

                                  ARTICLE VIII

                           INDEMNIFICATION PROCEDURES

     Section 8.1. Notice and Payment of Claims.

     If any Equifax Indemnitee or Certegy Indemnitee (the "Indemnified Party")
determines that it is or may be entitled to indemnification by a party (the
"Indemnifying Party") under Article VII (other than in connection with any
Action or claim subject to Section 8.2), the Indemnified Party shall deliver to
the Indemnifying Party a written notice specifying, to the extent reasonably
practicable, the basis for its claim for indemnification and the amount for
which the Indemnified Party reasonably believes it is entitled to be
indemnified. After the Indemnifying Party shall have been notified of the amount
for which the Indemnified Party seeks indemnification, the Indemnifying Party
shall, within thirty (30) days after receipt of such notice, pay the Indemnified
Party such amount in cash or other immediately available funds (or reach
agreement with the Indemnified Party as to a mutually agreeable alternative
payment schedule) unless the Indemnifying Party objects to the claim for
indemnification or the amount thereof. If the Indemnifying Party does not give
the Indemnified Party written notice objecting to such claim and setting forth
the grounds therefor within the same thirty (30) day period, the Indemnifying
Party shall be deemed to have acknowledged its liability for such claim and the
Indemnified Party may exercise any and all of its rights under applicable law to
collect such amount. Any amount owed under this Section 8.1 that is past due
shall bear interest at a simple rate of interest per annum equal to the lesser
of 1% per month or the maximum amount permitted by law.

     Section 8.2. Notice and Defense of Third Party Claims.

     (a) Promptly following the earlier of (i) receipt of notice of the
commencement by a third party of any Action against or otherwise involving any
Indemnified Party, or (ii) receipt of information from a third party alleging
the existence of a claim against an Indemnified Party,

                                       22

<PAGE>

with respect to which indemnification may be sought pursuant to this Agreement
(a "Third Party Claim"), the Indemnified Party shall give the Indemnifying Party
written notice thereof. The failure of the Indemnified Party to give notice as
provided in this Section 8.2(a) shall not relieve the Indemnifying Party of its
obligations under this Agreement, except to the extent that the Indemnifying
Party is prejudiced by such failure to give notice. Within thirty (30) days
after receipt of such notice, the Indemnifying Party shall by giving written
notice thereof to the Indemnified Party, (i) acknowledge, as between the parties
hereto, liability for and, at its option, elect to assume the defense of such
Third Party Claim at its sole cost and expense, or (ii) object to the claim of
indemnification set forth in the notice delivered by the Indemnified Party
pursuant to the first sentence of this Section 8.2(a) setting forth the grounds
therefor; provided that if the Indemnifying Party does not within the same
thirty (30) day period give the Indemnified Party written notice acknowledging
liability or objecting to such claim and setting forth the grounds therefor, the
Indemnifying Party shall be deemed to have acknowledged, as between the parties
hereto, its liability for such Third Party Claim.

     (b) Any contest of a Third Party Claim as to which the Indemnifying Party
has elected to assume the defense shall be conducted by attorneys employed by
the Indemnifying Party and reasonably satisfactory to the Indemnified Party;
provided that the Indemnified Party shall have the right to participate in such
proceedings and to be represented by attorneys of its own choosing at the
Indemnified Party's sole cost and expense. If the Indemnifying Party assumes the
defense of a Third Party Claim, the Indemnifying Party may settle or compromise
the claim without the prior written consent of the Indemnified Party; provided
that the Indemnifying Party may not agree to any such settlement pursuant to
which any such remedy or relief, other than monetary damages for which the
Indemnifying Party shall be responsible hereunder, shall be applied to or
against the Indemnified Party without the prior written consent of the
Indemnified Party, which consent shall not be unreasonably withheld.

     (c) If the Indemnifying Party does not assume the defense of a Third Party
Claim for which it has acknowledged liability for indemnification under Article
VII, the Indemnified Party may require the Indemnifying Party to reimburse it on
a current basis for its reasonable expenses of investigation, reasonable
attorneys' fees and reasonable out-of-pocket expenses incurred in defending
against such Third Party Claim and the Indemnifying Party shall be bound by the
result obtained with respect thereto by the Indemnified Party; provided that the
Indemnifying Party shall not be liable for any settlement effected without its
consent, which consent shall not be unreasonably withheld. The Indemnifying
Party shall pay to the Indemnified Party in cash the amount for which the
Indemnified Party is entitled to be indemnified (if any) within fifteen (15)
days after the final resolution of such Third Party Claim (whether by
settlement, compromise, or by the final nonappealable judgment of a court of
competent jurisdiction or otherwise), or, in the case of any Third Party Claim
as to which the Indemnifying Party has not acknowledged liability, within
fifteen (15) days after the Indemnifying Party's objection has been resolved by
settlement, compromise, or the final nonappealable judgment of a court of
competent jurisdiction.

     (d) Notwithstanding the foregoing, in no event shall either Equifax or
Certegy, or any Member of their respective Group, have any liability, whether
based on contract, tort (including, without limitation, negligence or strict
liability), warranty or any other legal or equitable

                                       23

<PAGE>

grounds, for any punitive, consequential, indirect, exemplary, special or
incidental loss or damage suffered by the other arising from or related to this
Agreement, including without limitation, loss of data, profits, interest or
revenue, or interruption of business, even if such party has been informed of or
might otherwise anticipated or foreseen the possibility of such losses or
damages; provided, however, that such limitations shall not apply to liabilities
which may arise as the result of willful misconduct of a party. Notwithstanding
the foregoing, any damages awarded or obtained (whether by settlement,
compromise or judgment) as a result of Third Party Claims shall be considered
direct damages for purposes of this Agreement.

                                   ARTICLE IX

                                 CONFIDENTIALITY

     Section 9.1. Exclusions.

     Notwithstanding anything to the contrary contained in this Agreement,
"Company Information" does not include any information that before being
divulged by the receiving party (a) has become generally known to the public
through no wrongful act of the receiving party; (b) has been rightfully received
by the receiving party from a third party without restriction on disclosure and
without, to the knowledge of the receiving party, a breach of an obligation of
confidentiality running directly or indirectly to the disclosing party; (c) has
been approved for release to the general public by a written authorization of
the disclosing party; (d) has been independently developed by the receiving
party without use, directly or indirectly, of Company Information received from
the disclosing party; or (e) has been furnished to a third party by the
disclosing party without restrictions on the third party's rights to disclose
the information.

     Section 9.2. Confidentiality.

     (a) Each party acknowledges, and shall cause each member of the Group to
acknowledge, that it is in possession of significant confidential or proprietary
information concerning the business, operations and assets of the members of the
other Group.

     (b) Each party shall, and shall ensure that each member of its Group shall,
(i) receive and hold the Company Information of the other Group in trust and in
strictest confidence; (ii) protect such Company Information from disclosure and
in no event take any action causing, or fail to take the action necessary in
order to prevent, any such Company Information to lose its character as Company
Information; (iii) exercise at a minimum the same care it would exercise to
protect its own highly confidential information; and (iv) not use, reproduce,
distribute, disclose, or otherwise disseminate the Company Information of the
other Group, (A) except as authorized pursuant to this Agreement or any Related
Agreement, or (B) except pursuant to a requirement of a governmental agency or
of law without similar restrictions or other protections against public
disclosure; provided, however, with respect to disclosures pursuant to (B)
above, the receiving party must first give written notice of such required
disclosure to the disclosing party, take reasonable steps to allow the
disclosing party to seek to protect the confidentiality of the Company
Information required to be disclosed, make a reasonable effort to obtain a
protective order requiring that the Company Information so disclosed be used
only for the purposes for which disclosure is required, and shall disclose only
that part of the Company Information

                                       24

<PAGE>

which, in the written opinion of its legal counsel, it is required to disclose.
In no event shall the receiving party exercise less than a reasonable standard
of care to keep confidential the Company Information. Any and all reproductions
of such Company Information must prominently contain a confidential legend.

     (c) The receiving party may make disclosures of the Company Information of
the disclosing party only to Representatives of the receiving party's Group (i)
who have a specific need to know such information; and (ii) who the receiving
party has obligated under a written agreement to hold such Company Information
in trust and in strictest confidence and otherwise to comply with the terms and
provisions of this Agreement or terms and conditions substantially similar to
and implementing the same restrictions and covenants as those set forth in this
Agreement. Certegy and Equifax agree, and shall ensure that each member of their
respective Group agrees, to diligently monitor each such Representative,
diligently enforce such agreements with its Representatives, and, upon request
by the other party, promptly to furnish to the other party a certified list of
the receiving party's Representatives having had access to such Company
Information.

     (d) The covenants of confidentiality set forth in this Agreement (i) will
apply after the Closing Date to all Company Information disclosed to the
receiving party before, on and after the Closing Date and (ii) will continue and
must be maintained from the Closing Date through the termination of the
relationship under this Agreement between Equifax and Certegy (A) with respect
to Proprietary Information, the period during which the Proprietary Information
constituting a part of the Company Information retains its status as a "trade
secret" under applicable law; and (B) with respect to Confidential Information
constituting a part of the Company Information, for the shorter of a period
equal to three (3) years after the Closing Date, or until such Confidential
Information no longer qualifies as confidential under applicable law.

     Section 9.3. Employee Confidentiality Agreements.

     The members of each Group have entered into confidentiality and non-
disclosure agreements with their respective employees. To the extent that any
employee during or after employment violates any such agreement and such
violation is or may in the future be to the detriment of the other Group, at the
written request of the affected party, the other party shall, or shall cause the
appropriate members of its Group to, promptly bring and diligently pursue an
action against such employee if and to the extent reasonable under the
circumstances to preserve the value of the assets and Licensed Materials. The
Group member employing the employee violating his/her confidentiality and non-
disclosure agreement shall have the unilateral right to determine the forum for,
the manner of proceeding in, and legal counsel for such action and shall be
entitled to any damages or other relief against such employee awarded in such
action to the extent related to such Group's assets or business or to the
Licensed Materials. Such enforcement against and recovery by a Group member from
its breaching employee shall not constitute a release or sole remedy for the
members of the other Group injured by such breaching employee's actions, and
such members of the other Group may bring a claim against the Group members
employing the breaching employee for a breach of this Agreement. Each party
shall bear all out-of-pocket costs of pursuing such action and the other party
shall cooperate in connection therewith.

                                       25

<PAGE>

     Section 9.4. Rights and Remedies.

     (a) If either party, or any member of the Group, should breach or threaten
to breach any of the provisions of this Agreement, the non-breaching party, in
addition to any other remedies it may have at law or in equity, will be entitled
to a restraining order, injunction, or other similar remedy in order to
specifically enforce the provisions of this Agreement. Each party specifically
acknowledges, and shall cause each member of its respective Group to
acknowledge, that money damages alone would be an inadequate remedy for the
injuries and damage that would be suffered and incurred by the non-breaching
party as a result of a breach of any of the provisions of this Agreement. In the
event that either party, or a member of such party's Group, should seek an
injunction hereunder, the other party hereby waives, and shall cause each member
of its Group to waive, any requirement for the submission of proof of the
economic value of any Company Information or the posting of a bond or any other
security. In the event of a dispute between the parties, the non-prevailing
party shall pay all costs and expenses associated with resolving the dispute,
including, but not limited to, reasonable attorneys' fees.

     (b) The receiving party shall notify the disclosing party immediately upon
discovery of any unauthorized use or disclosure of Company Information, or any
other breach of this Agreement by the receiving party or any Representative of
the receiving party's Group, and will cooperate with the disclosing party in
every reasonable way to help the disclosing party regain possession of its
Company Information and prevent its further unauthorized use or disclosure. The
receiving party shall be responsible for the acts of any Representative of its
Group that are in violation of this Agreement.

     Section 9.5. Competitive Activities.

     (a) Subject to the rights and obligations set forth in this Article IX,
each party understands and acknowledges that the other party's Group may now
market or have under development products that are competitive with products or
services now offered or that may be offered by it and/or members of its Group,
and the parties' communications hereunder will not serve to impair the right of
either party, or any member of its respective Group, to independently develop,
make, use, procure, or market products or services now or in the future that may
be competitive with those offered by the other party's Group, nor require either
party, and/or the members of its Group, to disclose any planning or other
information to the other party.

     (b) Neither party will be restricted in using, in the development,
manufacturing and marketing of its products and services and its operations, any
data processing or network management or operation ideas, concepts, know-how and
techniques which are retained in the minds of employees who have had access to
the other party's Company Information subject to the restrictions set forth in
this Agreement.

     Section 9.6. No Implied Rights.

     Except as provided herein or in any Related Agreement, all Company
Information is and shall remain the property of the disclosing party and/or the
respective member of its Group. By disclosing Company Information to the
receiving

                                       26

<PAGE>

party's Group, the disclosing party and/or the members of its Group do(es) not
grant any express or implied rights or license to the receiving party's Group to
or under any patents, patent applications, inventions, copyrights, trademarks,
trade secret information, or other intellectual property rights heretofore or
hereafter possessed by the disclosing party and/or the members of its Group.

                                    ARTICLE X

                              CONTINUED ASSISTANCE

     Section 10.1. Continued Assistance and Transition.

     (a) Following the Closing Date, Equifax shall, and shall cause each member
of the Equifax Group to, cooperate in an orderly transfer of the Transferred
Equifax Assets and the Transferred Equifax Third Party Agreements to Certegy or
the respective Designated Certegy Member. From time to time, at Certegy's
request and without further consideration, Equifax shall, and shall cause each
member of the Equifax Group, as applicable, to execute, acknowledge and deliver
such documents, instruments or assurances and take such other action as Certegy
may reasonably request to more effectively assign, convey and transfer any of
the Transferred Equifax Assets and the Transferred Equifax Third Party
Agreements. Equifax will assist Certegy in the vesting, collection or reduction
to possession of such Transferred Equifax Assets and Transferred Equifax Third
Party Agreements.

     (b) Following the Closing Date, Certegy shall, and shall cause each member
of the Certegy Group to, cooperate in an orderly transfer of the Transferred
Certegy Assets and Transferred Certegy Third Party Agreements to Equifax or the
respective Designated Equifax Member. From time to time, at Equifax's request
and without further consideration, Certegy shall, and shall cause each member of
the Certegy Group, as applicable, to execute, acknowledge and deliver such
documents, instruments or assurances and take such other action as Equifax may
reasonably request to more effectively assign, convey and transfer any of the
Transferred Certegy Assets and Transferred Certegy Third Party Agreements.
Certegy will assist Equifax in the vesting, collection or reduction to
possession of such Transferred Certegy Assets and Transferred Certegy Third
Party Agreements.

     Section 10.2. Records and Documents.

     (a) As soon as practicable following the Closing Date, Equifax and Certegy
shall each arrange for the delivery to the other of existing corporate and other
documents (e.g. documents of title, source code, contracts, etc.) in its
possession relating to the Transferred Assets, Transferred Third Party
Agreements and assumed Liabilities.

     (b) From and after the Closing Date, Equifax and Certegy shall each, and
shall cause each member of its Group to, afford the other and its accountants,
counsel and other designated Representatives reasonable access (including using
reasonable efforts to give access to person or firms possessing such
information) and duplicating rights during normal business hours to all records,
books, contracts, instruments, computer data and other data and information in
its possession relating to the assets, Liabilities, Licensed Materials, business
and affairs of the other (other than data and information subject to any
attorney/client or other privilege), insofar as such

                                       27

<PAGE>

access is reasonably required by the other, including without limitation, for
audit, accounting and litigation purposes.

     (c) Notwithstanding the foregoing, either party may destroy or otherwise
dispose of any information at any time in accordance with the corporate record
retention policy maintained by such party with respect to its own records.

     Section 10.3. Litigation Cooperation.

     Upon written request, Equifax and Certegy shall, and shall cause each
member of its Group to, use reasonable efforts to cooperate in the evaluation
and defense of third party Actions arising out of the business of the other
party or of any member of the other party's Group prior to the Distribution Date
in which the requesting party or any member of its Group may from time to time
be involved, at the cost and expense of the requesting party. Such cooperation
shall include, without limitation, making its Representatives available as
witnesses or consultants to the extent that such persons may reasonably be
required in connection with such third party Actions.

                                   ARTICLE XI

                                  MISCELLANEOUS

     Section 11.1. Expenses.

     Except as specifically provided in this Agreement or any Related Agreement,
all costs and expenses incurred in connection with the preparation, execution,
delivery and implementation of this Agreement and with the consummation of the
transactions contemplated by this Agreement (including transfer taxes and the
fees and expenses of all counsel, accountants and financial and other advisors)
shall be paid by Equifax.

     Section 11.2. Notices.

     All notices and communications under this Agreement shall be deemed to have
been given (a) when received, if such notice or communication is delivered by
facsimile, hand delivery or overnight courier, or (b) three (3) business days
after mailing if such notice or communication is sent by United States
registered or certified mail, return receipt requested, first class postage
prepaid. All notices and communications, to be effective, must be properly
addressed to the party to whom the same is directed at its address as follows:

     If to Equifax, to:
     Equifax Inc.
     1550 Peachtree Street
     Atlanta, Georgia 30309
     Attn: Phillip J. Mazzilli, Chief Financial Officer
     Fax: (404) 885-8682

     with a copy to:

                                       28

<PAGE>

     Equifax Inc.
     1550 Peachtree Street
     Atlanta, Georgia 30309
     Attn: Kent E. Mast, General Counsel
     Fax: (404) 885-8988

     If to Certegy, to:

     Certegy Inc.
     11720 Amberpark Drive, Suite 600
     Alpharetta, Georgia 30004
     Attn: Bruce S. Richards
           Corporate Vice President, General Counsel and Secretary
     Fax: (678) 867-8100

     with a required copy to:

     Certegy Inc.
     P.O. Box 349
     Alpharetta, Georgia 30009
     Attn: Michael T. Vollkommer
           Corporate Vice President and Chief Financial Officer
     Fax: (678) 867-8100

     Either party may, by written notice so delivered to the other party in
accordance with this Section 11.2, change the address to which delivery of any
notice shall thereafter be made.

     Section 11.3. Amendment and Waiver.

     This Agreement may not be altered or amended, nor may any rights hereunder
be waived, except by an instrument in writing executed by the party or parties
to be charged with such amendment or waiver. No waiver of any terms, provision
or condition of or failure to exercise or delay in exercising any rights or
remedies under this Agreement, in any one or more instances, shall be deemed to
be, or construed as, a further continuing waiver of any such term, provision,
condition, right or remedy or as a waiver of any other term, provision or
condition of this Agreement.

     Section 11.4. Entire Agreement.

     This Agreement, together with the Related Agreements, constitutes the
entire understanding of the parties hereto with respect to the subject matter
hereof, superseding all negotiations, prior discussions and prior agreements and
understandings relating to such subject matter. To the extent that the
provisions of this Agreement are inconsistent with the provisions of any other
Related Agreement, the provisions of this Agreement shall prevail with respect
to the subject matter hereof.

                                       29

<PAGE>

     Section 11.5. Parties in Interest.

     Neither of the parties hereto may assign its rights or delegate any of its
duties under this Agreement without the prior written consent of each other
party. This Agreement shall be binding upon, and shall inure to the benefit of,
the parties hereto and their respective successors and permitted assigns.
Nothing contained in this Agreement, express or implied, is intended to confer
any benefits, rights or remedies upon any person or entity other than members of
the Equifax Group and the Certegy Group and the Equifax Indemnitees and Certegy
Indemnitees under Articles VII and VIII hereof.

     Section 11.6. Further Assurances and Consents.

     In addition to the actions specifically provided for elsewhere in this
Agreement, each of the parties hereto will use its reasonable efforts to (a)
execute and deliver such further instruments and documents and take such other
actions as any other party may reasonably request in order to effectuate the
purposes of this Agreement and to carry out the terms hereof and (b) take, or
cause to be taken, all actions, and to do, or cause to be done, all things,
reasonably necessary, proper or advisable under applicable laws, regulations and
agreements or otherwise to consummate and make effective the transactions
contemplated by this Agreement, including without limitation, using its
reasonable efforts to obtain any consents and approvals and to make any filings
and applications necessary or desirable in order to consummate the transactions
contemplated by this Agreement; provided that no party hereto shall be obligated
to pay any consideration therefor (except for filing fees and other similar
charges) to any third party from whom such consents, approvals and amendments
are requested or to take any action or omit to take any action if the taking of
or the omission to take such action would be unreasonably burdensome to the
party or its Group or the business thereof.

     Section 11.7. Severability.

     The provisions of this Agreement are severable and should any provision
hereof be void, voidable or unenforceable under any applicable law, such
provision shall not affect or invalidate any other provision of this Agreement,
which shall continue to govern the relative rights and duties of the parties as
though such void, voidable or unenforceable provision were not a part hereof.

     Section 11.8. Governing Law.

     This Agreement shall be construed in accordance with, and governed by, the
laws of the State of Georgia, without regard to the conflicts of law rules of
such state.

     Section 11.9. Counterparts.

     This Agreement may be executed in one or more counterparts, each of which
shall be deemed an original instrument, but all of which together shall
constitute but one and the same agreement.

                                       30

<PAGE>

     Section 11.10. Disputes.

     Any Disputes arising under this Agreement, whether based on contract, tort,
statute or otherwise, including but not limited to, disputes in connection with
claims by third parties, shall be resolved in accordance with Section 15.10 of
the Distribution Agreement; provided that the parties shall retain the rights
and remedies specified in Section 9.4 hereof.

     Section 11.11. Force Majeure.

     Neither party will be liable for any loss or damage due to causes beyond
its control, including, but not limited to, fire, accident, labor difficulty,
war, power or transmission failures, riot, Acts of God or changes in laws and
regulations, provided that the affected party must (a) promptly notify the other
party in writing and furnish all relevant information concerning the event of
force majeure; (b) use reasonable efforts to avoid or remove the cause of its
nonperformance; and (c) proceed to perform its obligations with dispatch when
such cause is removed.

     Section 11.12. Documentation.

     Prior to the Distribution Date and from time to time thereafter, the
parties will prepare, maintain and update schedules of the Transferred Equifax
Assets, the Transferred Certegy Assets, the Licensed Equifax Materials, the
Licensed Certegy Materials, and the Third Party Agreements, the Third Party Use
Rights and the Third Party Rights transferred and/or provided by each Group to
the other Group, in such detail as shall be appropriate for the management and
administration of these items as described in this Agreement.

     Section 11.13. Headings.

     The Article and Section headings set forth in this Agreement are included
for administrative, organizational and convenience purposes, and are not
intended to affect the meaning of the provisions set forth in this Agreement or
to be used in the interpretation of this Agreement.

                                       31
<PAGE>

     IN WITNESS WHEREOF, the parties hereto have executed and delivered this
Agreement as of the day and year first above written.

                                        EQUIFAX INC.

                                        By: /s/ Kent E. Mast
                                            ------------------------------------
                                        Title: Corporate Vice President, General
                                               Counsel and Secretary
                                        Date: June 30, 2001

                                        CERTEGY INC.

                                        By: /s/ Bruce S. Richards
                                            ------------------------------------
                                        Title: Corporate Vice President, General
                                               Counsel and Secretary
                                        Date: June 30, 2001

                                       32
<PAGE>

                                    EXHIBIT A

                                 CERTEGY GROUP
<TABLE>
<CAPTION>
                                                     State or
                                                   Country of
Name of Subsidiary                                Incorporation
------------------                             --------------------
<S>                                            <C>
AGES Participacoes S.A.                               Brazil
Aircrown Ltd.                                        England
Card Brazil Holdings, Inc.                           Georgia
Card Brazil Holdings Ltda.                            Brazil
Card Brazil LLC                                      Georgia
Central Credit Services Ltd.                         Scotland
Equifax Asia Pacific Holdings, Inc.                  Georgia
Equifax Australia Plc                                England
Equifax Card Services, Inc.                          Florida
Equifax Card Solutions Australia Pty Ltd.           Australia
Equifax Card Solutions Ltd.                          England
Equifax Card Solutions S.A.                           France
Equifax (Cayman Islands) Ltd.                     Cayman Islands
Equifax Check Services, Inc.                         Delaware
Equifax E-Banking Solutions, Inc.                    Georgia
Equifax Ltd.                                       New Zealand
Equifax Payment Recovery Services, Inc.              Georgia
Equifax Payment Services, Inc.                       Delaware
Equifax Pty Ltd.                                    Australia
Equifax SNC                                           France
Financial Insurance Marketing Group, Inc.      District of Columbia
First Bankcard Systems, Inc.                         Georgia
Payment Brasil Holdings Ltda.                         Brazil
Payment Chile, SA.                                    Chile
Payment Europe LLC                                   Georgia
Payment South America Holdings, Inc.                 Georgia
Payment South America LLC                            Georgia
Payment U.K. Ltd.                                    England
Procard S.A.                                          Chile
Retail Credit Management Ltd.                        England
Telecredit Canada Inc.                                Canada
Transax France Plc                                   England
</TABLE>

                                       33

<PAGE>

<TABLE>
<S>                                            <C>
Transax Ireland Ltd.                                 Ireland
Transax Plc                                          England
Unnisa -- Solucoes em Meios de Pagamento Ltda         Brazil
VIV Plc                                              England
</TABLE>

     Equifax Card Services, Inc. will own a 51% interest in Circle of Value,
Ltd.

     Payment Brazil Holdings Ltda. will own a 51% interest in Partech Ltda.
(Brazil).

     The names above are the names of the relevant entities as of June 20, 2001
and may have been changed subsequently.

                                       34
<PAGE>

                                    EXHIBIT B

                           TRANSFERRED EQUIFAX ASSETS

<TABLE>
<CAPTION>
                                                           DESCRIPTION OF
           ASSET                OWNER       ASSIGNEE      RETAINED RIGHTS
-------------------------   ------------   ------------   ---------------
<S>                         <C>            <C>            <C>
Trademark: "Pathways",      Equifax Inc.   Certegy Inc.   None.
U.S. Reg. #: 1,920,133

Trademark: "Cardsource",    Equifax Inc.   Certegy Inc.   None.
U.S. Reg. #: 2,142,162

Trademark: "Interguard",    Equifax Inc.   Certegy Inc.   None.
U.S. Reg. #: 2,019,884

Trademark: "Paycheck        Equifax Inc.   Certegy Inc.   None.
Accept", U.S. Application
Pending, Serial #:
76/135,366

Trademark: "Cardview",      Equifax Inc.   Certegy Inc.   None.
U.S. Application
Pending, Serial #:
76/175,937
</TABLE>

     Without limiting Equifax's requirements under the Agreement, Equifax (or
the respective member of the Equifax Group) shall execute such acknowledgements,
grants and assignments of rights in and to the intellectual property described
above, as Certegy may reasonably request for the purpose of evidencing,
enforcing, registering or defending its worldwide ownership of such intellectual
property.

                                       35

<PAGE>

                                    EXHIBIT C

                   EQUIFAX THIRD PARTY AGREEMENTS - TRANSFERS

     Equifax will transfer, or cause to be transferred the following agreements
to Certegy, effective as of the Closing Date:

<TABLE>
<CAPTION>
                                                                                              Maximum Fees/Costs
           Name of Agreement                    Parties to Agreement/Other Matters                to be Paid
---------------------------------------   -------------------------------------------------   ------------------
<S>                                       <C>                                                 <C>
Compuware:                                Equifax Inc. and Compuware, Inc.                    $0

License Agreement between Equifax, Inc.   Equifax will transfer or have transferred to
and Compuware, Inc.                       Certegy such rights under the agreement to permit
                                          Certegy to use, for the duration of the license,
                                          one copy of the following software products:

                                              Abend Aid/XLS w/Primary Language Cobol
                                              File Aid/MVS
                                              Expeditor/CICS w/Assembler
                                              Expeditor/TSO

                                              Strobe MVS for Sysplex with Cobol

                                              CICS Feature

                                              Advanced Session Mgmt Feature

                                          QACenter Enterprise Edition -- Includes
                                          1 ConcurrentUser

                                          Reconcile - 1 Concurrent User

                                          QADirector - 1 Concurrent User

                                          TrackRecord - 1 Concurrent User

                                          Track Record - 3 Concurrent Users

                                          APMPower for Windows - 20 Concurrent Users

                                          In lieu of transferring such license, Equifax
                                          may purchase new licenses on Certegy's behalf.

Oracle:                                   Equifax Inc. and Oracle, Inc.                         $0

Software License and Services Agreement   Equifax will transfer, or have transferred,
dated March 5, 1992, and attendant        certain rights in and to the products identified
Ordering Documents                        on Appendix A to this Exhibit C:

                                                                                              TOTAL: $0
</TABLE>

     In addition to the foregoing, Equifax shall purchase on Certegy's behalf,
prior to the Closing Date, licenses to use certain software products, as
identified below. The list below sets forth the vendor, the name of the software
products to be obtained on Certegy's behalf by

                                       36

<PAGE>

Equifax and the maximum license fee or other costs that Equifax shall be
required to pay for each license (or group of licenses).

<TABLE>
<CAPTION>
       VENDOR                    SOFTWARE PRODUCT                    MAXIMUM FEES/COSTS TO BE PAID
-------------------   --------------------------------------   -----------------------------------------
<S>                   <C>                                      <C>
UK SOFTWARE
Allen Systems Group   Beta 44                                  $91,491.84
BETA Systems          Beta 92 Version 3 CAF                    $151,196 (collectively for all UK-related
BETA Systems          Beta 92 Version 3 VAF                    BETA Systems licenses)
BETA Systems          Beta 92 Version 3
BETA Systems          Beta 93 Version 3
BETA Systems          Beta 93 Version 3 CAF
BETA Systems          Beta 93 Version 3 VAF
CNM                   CNM-XFER                                 $33,605 (collectively for all UK-related
CNM                   EEMS                                     CNM licenses)
Compute Bridgend      Selcopy (Corporate)                      $120,120
Computer Associates   APAS/Insight                             $2,573,393 (collectively for all
                                                               UK-related Computer Associates licenses)
Computer Associates   Endevor/MVS
Computer Associates   Endevor/MVS ACM
Computer Associates   Endevor/MVS Extended Processor
Computer Associates   Endevor/MVS External
Computer Associates   Endevor/MVS Natural Security Interface
Computer Associates   Endevor/MVS Parallel Development
                      Manager
Computer Associates   Endevor/MVS Quick Edit
Computer Associates   Intertest CICS W/XA-ESA
Computer Associates   Intertest/Batch
Computer Associates   JCL Check
Computer Associates   Netspy (excluding Modeling)
Computer Associates   One
Computer Associates   Prevail/Spool (Pkg)
Computer Associates   Spaceman
Computer Associates   TPX (extended)
Compuware             APM Power *2                             $530,000 (collectively for all
                                                               UK-related Compuware licenses)
Compuware             Assembler Option for Xpediter CICS
Compuware             CICS Abend-Aid FX
Compuware             File-AID/Data Solutions
Compuware             File-AID/MVS
Compuware             QA Hiperstation
Compuware             Strobe ADABAS/NATURAL Feature
Compuware             Strobe Advanced Session Mgt Feature
Compuware             Strobe CICS Feature
</TABLE>

                                       37
<PAGE>

<TABLE>
<S>                   <C>                                      <C>
Compuware             Strobe COBOL Feature
Compuware             Strobe MVS for Sysplex 1
Compuware             Xpediter CICS Cobol
Compuware             XPEDITOR/Exchange
Macro 4               DUMPMASTER (combined) (All Features      $89,196
                      - includes Base and Cobol Feature)

SAS                   BASE                                     $138,910 (collectively for all UK-related
SAS                   MXG (Merrill Consultants)                SAS licenses)
SyncSort              SyncSort MVS                             $52,983
PWC - ALPHARETTA
Chicago-Soft Inc.     MVS/Quick-Ref                            $26,000
Cincom                Mantis                                   $318,460 (collectively for all
Cincom                Scenario                                 PWC - Alpharetta-related Cincom
                                                               licenses)
Computer Associates   ALLOCATE                                 $2,500,000 (collectively for all PWC
Computer Associates   DELIVER                                  - Alpharetta-related Computer
                                                               Associates licenses)
Computer Associates   DELIVER CICS OPTION
Computer Associates   DELIVER ROSCOE INTERFACE
Computer Associates   DELIVER VTAM INTERFACE
Computer Associates   DISK
Computer Associates   EASYTRIEVE PLUS
Computer Associates   ELEVEN
Computer Associates   ELEVEN/DISASTER RECOVERY PLNG
Computer Associates   ELEVEN/NOTEPAD
Computer Associates   ELEVEN/REPORTS PLUS
Computer Associates   ENDEVOR/MVS
Computer Associates   ENDEVOR/MVS AUTOMATED CONFIG MG
Computer Associates   ENDEVOR/MVS EXTENDED PROCESSOR
Computer Associates   ENDEVOR/MVS EXTERNAL SCRTY INT
Computer Associates   ENDEVOR/MVS LIBRARIAN INTERFACE
Computer Associates   ENDEVOR/MVS PARALLEL DEV MGR
Computer Associates   ENDEVOR/MVS ROSCOE INTERFACE
Computer Associates   LIBRARIAN (BASE+LIB/AM+TSO)
Computer Associates   MULTI-IMAGE ALLOCATION
Computer Associates   NEUMICS ACCOUNTING AND CHARGEBACK
Computer Associates   NEUMICS ANLYZR FOR MEASUREWARE
Computer Associates   NEUMICS BASE
Computer Associates   NEUMICS CICS ANALYZER
Computer Associates   NEUMICS DASD SPACE ANALYZER W/DSC
</TABLE>

                                       38

<PAGE>

<TABLE>
<S>                   <C>                                      <C>
Computer Associates   NEUMICS SYSTEM RELIABILITY
                      ANALYZER
Computer Associates   ONE
Computer Associates   ONE WORKSTATION - 5 Copies
Computer Associates   ONE/COPYCAT
Computer Associates   OPTIMIZER II
Computer Associates   PANAUDIT PLUS
Computer Associates   PANAUDIT PLUS EZTP-IMS
Computer Associates   ROSCOE
Computer Associates   SEVEN
Computer Associates   SEVEN WORKSTATION - 5 Copies
Computer Associates   SEVEN/NOTEPAD
Computer Associates   SEVEN/REPORT BALANCING
Computer Associates   SEVEN/REPORTS PLUS
Computer Associates   SEVEN/SMART CONSOLE
Computer Associates   SYSVIEW/e
Computer Associates   TOP SECRET
Computer Associates   TRANSCENTURY CALENDAR ROUTINES
Computer Associates   VIEW
Computer Associates   VIEW ERO OPTION
Computer Associates   VIEW ROSCOE INTERFACE
Computer Associates   VIEW VTAM INTERFACE
Compuware             Abend-AID/XLS with Primary               $430,125 (collectively for all PWC
                      Language-Cobol                           - Alpharetta-related Compuware
                                                               licenses)
Compuware             Assembler Option for Xpediter/CICS
Compuware             Assembler Option for Xpediter/TSO
Compuware             CICS ABEND-AID/FX
Compuware             CICS Feature
Compuware             File-Aid/MVS
Compuware             Strobe MVS for Sysplex with Cobol
Compuware             Xpediter/CICS with Cobol
Compuware             Xpediter/TSO with Cobol
Diversified           Job/Scan                                 $50,000
Innovation            FATS/FATAR                               $12,750 (collectively for all PWC
Innovation            FDR/Compaktor                            - Alpharetta-related Innovation
                                                               licenses)
IVIS                  Accounts Payable                         $217,314 (collectively for all
                                                               PWC - Alpharetta-related IVIS
                                                               licenses)
IVIS                  General System
IVIS                  Purchasing
Landmark              Monitor for CICS/ESA                     $91,133
MacKinney             KWIK-KEY                                 $2,295
Merrill               MXG                                      $ 1,500
SAS                   BASE SAS                                 $361,685 (collectively for all
                                                               PWC - Alpharetta-related SAS
                                                               licenses)
SAS                   SAS/AF
</TABLE>

                                       39

<PAGE>

<TABLE>
<S>                   <C>                                      <C>
SAS                   SAS/STAT
Sterling Commerce     Connect: Direct for OS/390 (TCP/IP &     $76,462
                      SNA Products)
Syncsort Inc.         Proc SyncSort                            $69,385 (collectively for all PWC -
Syncsort Inc.         SyncSort MVS                             Alpharetta-related Syncsort licenses)
Tone                  OMC-Print                                $66,930
PWC-MIDRANGE
Citrix-GEAC           Citrix Mf Xpa 1.0-10u Conn Pk W/sub      $35,475 (collectively for all PWC -
                      Adv Nt4/w2k                              Midrange-related Citrix - GEAC licenses)
Citrix - GEAC         Citrix Mf Xpa 1.0-20u Conn Pk W/sub
                      Adv Nt4/w2k
Citrix-GEAC           Citrix Mf Xpa 1.0-50u Conn Pk W/sub
                      Adv Ntr/w2k
Citrix - GEAC         Citrix Mf Xpa 1.0-starter System 20u
                      W/sub Adv Nt4/w2K
Citrix - GEAC         Microsoft Open Business Windows 2000
                      Bus - 5.0 Cal.
Citrix-GEAC           Microsoft Open Business Windows 2000
                      Terminal Services Bus-5.0 Cal
Citrix - GEAC         Microsoft Open Business Windows Server
                      2000 Bus - 5.0
Citrix-GEAC           Microsoft Windows 2000 Server Media
                      Kit
Edify Corporation     Edify 6.2 Departmental (24 Agents)       $63,683 (collectively for all PWC - Midrange
Edify Corporation     Edify Development License                -related Edify Corporation licenses)
                      (Workforces Application Server:
                      Development Level)
Edify Corporation     Telephony Services: Departmental
Edify Corporation     Facsimile Services: Departmental
Edify Corporation     Facsimile Services Software:
                      Single Concurrent User
Edify Corporation     Multi-Database Access: Department
Edify Corporation     Electronic Workforce for Windows
                      NT Development Kit v6.2
Edify Corporation     Workforce Application Builder
                      (Agent Trainer)
Edify Corporation     American Spanish Language
Edify Corporation     Canadian French Language
Embarcadero           (10) Embarcadero Rapid SQL               $8,970
Technologies, Inc.
Hyperion              (1) Base Solution - Hyperion             $124,000 (collectively for all
                      Enterprise License (includes 2           PWC - Midrange-related Hyperion
                      Co-Located Named Administrator           licenses)
                      Users)
Hyperion              (10) Hyperion Enterprise Named Basic
                      User (transfer of Equifax licenses)
Kronos                (1) Connect, primary payroll interface   $151,090 (collectively for all
                                                               PWC - Midrange-related Kronos
                                                               licenses)
Kronos                (1) Connect, secondary payroll
                      interface
</TABLE>

                                       40

<PAGE>

<TABLE>
<S>                   <C>                                      <C>
Kronos                (1) Workforce Accruals
Kronos                (1) Workforce Managers, up to 50
Kronos                (1) Workforce Web
Kronos                (1) Workforce Central v4. (2,500
                      employees)
Kronos                (2) WFC Administration and Support
Kronos                (2) WFC Basic Configuration
Kronos                (2) WFC Daily Operations
Kronos                (2) WFC Database Maintenance
Kronos                (210 Hrs) Implementation and
                      Installation and Training
Kronos                (4) WFC Implementation Workshop
Kronos                (6) Kronos Virtual Classroom Module
                      Sessions
Merant                (2) PVCS Licenses                        $10,000
Resumix               Resumix Human Asset Management(TM)       $330,000 (Collectively for all PWC
                      System (Includes Recruiter's Desktop,    Midrange-related Resumix Licenses)
                      Operator's Desktop and Database "A"
                      Server License (1)
Resumix               Concurrent Users (10)
Resumix               Non-Concurrent Users (5)
Resumix               Interact Toolkit
Resumix               Test License
Resumix               Xerox OCR Software for Resume
                      Processing (1)
Resumix               Crystal Reports Module (1)
Resumix               Fulcrum Full-Text Search Engine (1)
Resumix               ResFax In/Out (1)
Resumix               Employment Folder (1)
Resumix               AutoMatch Capability (1)
Resumix               System Administration Module (1)
Resumix               Resumix Internet Recruiter Including
                      55 Requistions
Resumix               LumiNet for two (2) Users
Resumix               Requisition Lookup (1)
Shanon                Enterprise Client Site License           $55,000
Sybase                (1 server) Adaptive Server Enterprise    $157,021 (collectively for all PWC -
Sybase                (85) Adaptive Server Enterprise          Midrange-related Sybase licenses)
Sybase                (1) Adaptive Server Ent UNIX/WP 32
                      User (1)
Sybase                (1) Adaptive Server Ent UNIX/WP 32
                      User
Sybase                (1) LM French Connectivity
Sybase                (1) LM Japanese Connectivity
</TABLE>

                                       41

<PAGE>

<TABLE>
<S>                   <C>                                      <C>
Sybase                (1) LM German Connectivity
Sybase                (1) LM Spanish Server
Sybase                (1) LM Chinese Server

                                                               TOTAL: $8,940,172.84
</TABLE>

     Under no circumstances shall Equifax be required to pay, with respect to
the transfer of, acquisition of, or procuring or securing of Third Party
Agreements or Third Party Use Rights, costs, fees or expenses exceed the sum of
the "totals" identified on this Exhibit C and Exhibit D, except that:

     (a) Equifax shall be responsible for paying any sales, transfer or VAT
taxes directly associated with transferring and/or acquiring such licenses, and
the parties agree that such taxes are not included in the maximum fees/costs
identified above; and

     (b) Equifax agrees to pay (i) any fees and costs, not to exceed $16,500, in
connection with obtaining any consents necessary with respect to the Pitney
Bowes DocSense software products, LPC Finalist and Streamweaver, and (ii) any
fees and costs, not to exceed $120,000, in connection with obtaining any
consents necessary with respect to SAS Institute's software products, SAS Base,
SAS Connect, SAS Echo, SAS Stat and SAS Warehouse. Such amounts to be paid shall
be additional to the amounts required to be paid otherwise under this Exhibit C
or Exhibit D.

     The scope of the licenses to be purchased by Equifax pursuant to the list
above shall be limited as follows:

     (a) Certegy's rights to use the applicable software shall be substantially
similar to the rights held by Equifax with respect to the Certegy Business on
the Closing Date; provided that in no event shall such rights be greater, in
terms of duration, territory, usage or otherwise (including rights related to
the number of users, the number of concurrent users or the number of MIPS) than
Equifax possessed and used in the Certegy Business on the Closing Date.

     (b) Equifax shall not be required to pay any maintenance fees with respect
to the software licenses unless such maintenance fee obligations are bundled as
part of the license fee for the first year of the license.

                                       42

<PAGE>

                             APPENDIX A TO EXHIBIT C

               ORACLE PRODUCT ASSIGNED/TRANSFERRED TO CERTEGY INC.

<TABLE>
<CAPTION>
              PRODUCT                        LICENSE TYPE         LICENSE LEVEL   NUMBER OF USERS
-----------------------------------   -------------------------   -------------   ---------------
<S>                                   <C>                         <C>             <C>
Oracle Database Enterprise Edition    Named User, Multi-Server    Deployment             228
Oracle Database Enterprise Edition    Concurrent-Network          Full Use                32
Oracle Database Enterprise Edition    Named User, Multi-Server    Full Use                36
Oracle Database Enterprise Edition    Universal Power Units       Full Use            64,504
Designer/2000                         Developer                   Full Use                 4
Developer/2000                        Concurrent                  Full Use                 2
Developer Server                      Concurrent                  Full Use                15
Diagnostic Management Pack            Universal Power Units       Full Use             1,600
Discoverer - Administrative Edition   Concurrent                  Full Use                 1
Discoverer - User Edition             Concurrent                  Full Use                43
Oracle Database Enterprise Edition    Concurrent-Network          Deployment             250
Partitioning                          Universal Power Units       Full Use            11,571
Oracle Database Personal Edition      Named User, Single-Server   Full Use                 1
Tuning Management Pack                Universal Power Units       Full Use             1,600
Web Application Server EE             Processors                  Full Use                 2
</TABLE>

                                       43
<PAGE>

<TABLE>
<S>  <C>                                  <C>                                          <C>              <C>

     Support Services Agreement           related to this Agreement.

8.   PWC: Finance and Accounting          Equifax will negotiate and enter into new    Not applicable.    $         0
     Business Process and Support         agreements that will permit Certegy to have
     Services Agreement                   certain use rights under this or related to
                                          this Agreement.

9.   EMC:                                 Equifax will obtain expanded rights,         Not applicable.    $   200,000
                                          pursuant to a separate agreement between
     Product Transfer License             Equifax and EMC, to use the EMC Catalog
     and Maintenance Agreement            Solution to process data for and on behalf
                                          of Certegy

     Commencement Dates:

     -#ME960283 -- 11/22/98

     -#ME960265 -- 6/19/98

10.  GEAC:                                Equifax will obtain rights under this        Not applicable.    $         0
                                          Agreement for third party processors to
     Agreement dated _July 8, 1996        perform services for and on behalf of
     between GEAC Enterprise Solutions,   Certegy for both Mainframe and Midrange
     Inc. (formerly known as Geac         Software.
     Computer Systems, Inc and Equifax
     Inc. (related to Accounts
     Payable/General Ledger System).

11.  Storage Technology Corp              Equifax will obtain on Certegy's behalf      Not Applicable     $         0
                                          rights as an "authroized user" under the
                                          Master Agreement to use the following
                                          software product:

                                                        SILO/ExL M MTHLY

11.  Sterling Commerce:                   Equifax will obtain expanded rights,         Not applicable.    $         0
                                          pursuant to a separate agreement between
     License Agreement between Equifax    Equifax and Sterling Commerce, pursuant to
     Information Technology, Inc. and     which Certegy shall have the right to use
     Sterling Commerce Inc.               the following software products until such
                                          time as the Stering Commerce products
                                          acquired under Exhibit C arc installed and
                                          operational:

                                                Connect: Direct MVS
                                                Connect: Direct SDF

12.  Candle Corporation                   Equifax will obtain on Certegy's behalf      Not applicable.    $         0
                                          rights as an "authorized user" under the
                                          Master Agreement to use the following
                                          software products:

                                                Omegamon II MVS
                                                Omegamon II DB2

13.  BMC Software, Inc.                   Equifax will obtain on Certegy's behalf      Not applicable.    $         0
                                          rights as an "authorized user" under the
                                          Master Agreement to use the following
                                          software product:

                                                Resolve Pro SMS

14.  Magic Solutions                      Equifax will acquire a license to the        Not applicable.    $    45,643
                                          following software products from Magic
                                          Solutions, which license will permit
                                          Certegy to use the software products in the
                                          Certegy Business:

                                          - (12) SM/McAfee HD to Magic HP Upgrd Perp

                                          - Magic HD - Ent. Ed. Connect Sppt.

                                          - McAfee To Magic Upgrade

                                          - Professional Services and Training
                                                                                                  TOTAL:  $245,643.00
</TABLE>

                                       45

<PAGE>

                                    EXHIBIT E

                           TRANSFERRED CERTEGY ASSETS

<TABLE>
<CAPTION>
                                                                        DESCRIPTION OF
             ASSET                          OWNER           ASSIGNEE    RETAINED RIGHTS
-----------------------------------   ----------------   ------------   ----------------
<S>                                   <C>                <C>            <C>
U.S. PATENT #5,119,295 ENTITLED       Equifax Payment    Equifax Inc.   None.
"CENTRALIZED LOTTERY SYSTEM FOR       Services, Inc.
REMOTE MONITORING OR OPERATIONS AND   fka Telecredit
STATUS DATA FROM LOTTERY TERMINALS    Inc.
INCLUDING DETECTION OF MALFUNCTION
AND COUNTERFEIT UNITS", ISSUED JUNE
2,1992

U.S. PATENT #5,223,698 ENTITLED       Equifax Payment    Equifax Inc.   None.
"CARD-ACTIVATED POINT-OF-SALE         Services, Inc.
LOTTERY TERMINAL", ISSUED JUNE 29,    fka Telecredit
1993                                  Inc.

U.S. PATENT #5,239,573 ENTITLED       Equifax Payment    Equifax Inc.   None.
"TELEPHONE TERMINAL INCORPORATING     Services, Inc.
SPEECH SYNTHESIZER FOR ENHANCED       fka Telecredit
COMMUNICATION", ISSUED AUGUST 24,     Inc.
1953
</TABLE>

          Without limiting Certegy's requirements under the Agreement, Certegy
     (or the respective member of the Certegy Group) shall execute such
     acknowledgements, grants and assignments of rights in and to the
     intellectual property described above, as Equifax may reasonably request
     for the purpose of evidencing, enforcing, registering or defending its
     worldwide ownership of such intellectual property.

                                       46

<PAGE>

                                    EXHIBIT F

                   CERTEGY THIRD PARTY AGREEMENTS - TRANSFERS

None.

                                       47
<PAGE>

                                    EXHIBIT G

                 CERTEGY THIRD PARTY AGREEMENTS - RIGHTS GRANTED

None.

                                       48

<PAGE>

                                    EXHIBIT H

                          SPECIFIED EQUIFAX LIABILITIES

None.

                                       49

<PAGE>

                                    EXHIBIT I

                          SPECIFIED CERTEGY LIABILITIES

None.

                                       50

<PAGE>

                                    EXHIBIT J

                           LICENSED EQUIFAX MATERIALS

None.

                                       51

<PAGE>

                                    EXHIBIT K

                           LICENSED CERTEGY MATERIALS

<TABLE>
<CAPTION>
  DESCRIPTION OF INTELLECTUAL
           PROPERTY                 OWNER OF IP             SCOPE OF LICENSE          NAME OF LICENSEE
------------------------------   -----------------   ------------------------------   ----------------
<S>                              <C>                 <C>                              <C>
U.S. Patent Application Serial   Equifax Check       Royalty free, non-exclusive,     Equifax Inc.
No. 09/845662, filed April 30,   Services, Inc.      worldwide, perpetual license
2001 and entitled "System and                        to make, practice, have made,
Method for Secure Network                            use and import systems and
Transactions" and related PCT                        processes covered by any
Patent Application, filed                            patent that issues from the
April 30, 2001 and entitled                          applications and to sell to
"System and Method for Secure                        Equifax customers and
Network Transactions."                               potential customers services
                                                     based on such systems and
                                                     processes; such license may
                                                     not be transferred or
                                                     sublicensed (other than to
                                                     Equifax Affiliates), except
                                                     pursuant to a state law merger
                                                     or the sale of substantially
                                                     all of the licensee's assets
                                                     and the licensee has no right
                                                     to authorize any third party
                                                     to make, have made or sell the
                                                     technology, whether or not for
                                                     purposes of allowing such
                                                     third parties to build and/or
                                                     run their own payment systems.
</TABLE>

                                         52
<PAGE>

                                    EXHIBIT L

                            UTILITY SOFTWARE PROGRAMS

None, subject to the following:

For purposes of this Exhibit L, "Unidentified Utility Software Program" means
any utility software program (i) that is owned by any member of the Certegy
Group or the Equifax Group, (ii) used in the business of the party that is not
the owner thereof during the twelve (12) calendar months prior to the Closing
Date, (iii) for which a continuing business requirement exists on the Closing
Date, and (iv) that is identified, in good faith, by both parties as being a
Utility Software Program within twelve (12) months following the Closing Date.

The parties agree that the use of an Unidentified Utility Software Program by
the party who is not the owner thereof in the normal course of its business
shall be permissible. This Exhibit L shall be amended, from time to time, to add
any Unidentified Utility Software Programs. At any time an Unidentified Utility
Software Program is added to this Exhibit, it shall be deemed to be a "Utility
Software Program" for purposes of this Agreement.

                                       53

<PAGE>

                                    EXHIBIT M

                                 OTHER IP ASSETS

<TABLE>
<CAPTION>
         Asset                          Ownership/Additional Rights
-----------------------   ------------------------------------------------------
<S>                       <C>
APPLY (SOFTWARE           OWNERSHIP:
APPLICATION) SOURCE
CODE, OBJECT CODE AND          A. As of the Closing Date, all right, title and
DOCUMENTATION             interest in and to (i) the APPLY source code (other
                          than the source code owned by Equifax pursuant to
                          subsection B below) and object code, including the
                          customer level code written in the TCL or APPLY Basic
                          programming language, (ii) documentation related to
                          the foregoing, and (iii) all patents, patent rights
                          and copyrights related thereto, shall be and at all
                          times will remain the sole and exclusive property of
                          Certegy. Certegy shall have the right to make, use,
                          sell, copy, distribute, import, develop Derivative
                          Works or enhancements of, and publicly perform and
                          display, for any purpose, any of the foregoing assets
                          without any obligation (including any obligation to
                          account or pay royalties) or liability to Equifax.

                               B. As of the Closing Date, all right, title and
                          interest in and to (i) all APPLY customer level source
                          code written in the TCL programming language
                          associated with the Telco operation in St. Petersburg,
                          (ii) source code written in the APPLY Basic
                          programming language associated with Equifax's
                          Canadian processing site in Montreal, (iii) all credit
                          processing platform source code acquired by Equifax
                          Credit Information Services, Inc. from Christopher T.
                          Nelson and Zoot Enterprises, Inc., known as the "Zoot
                          Code", that was used in the development of the APPLY
                          software product, (iv) documentation related to the
                          foregoing, and (v) all patents, patent rights and
                          copyrights related thereto, shall be and at all times
                          will remain the sole and exclusive property of
                          Equifax. Equifax shall have the right to make, use,
                          sell, copy, distribute, import, develop Derivative
                          Works or enhancements of, and publicly perform and
                          display, for any purpose, any of the foregoing assets
                          without any obligation (including any obligation to
                          account or pay royalties) or liability to Certegy.

                          LICENSE: As of the Closing Date, Equifax and Certegy
                          shall each have the perpetual, fully paid, worldwide
                          right and license to make, use, sell, copy,
                          distribute, import, develop Derivative Works or
                          enhancements of, and publicly perform and display, for
                          any purpose, the entire APPLY software product (to the
                          extent the licensee does not already own the same), in
                          both source and object code format, and the
                          documentation thereof without any obligation
                          (including any obligation to account or pay royalties)
                          or liability to the other owner. In connection with
                          Certegy's license to Equifax pursuant to the foregoing
                          sentence, Equifax agrees to pay Certegy a one-time
                          license fee of One Million One Hundred Thousand
                          Dollars ($1,100,000.00), which fee will be treated as
                          an intercompany payable from Equifax to Certegy and
                          shall be paid in accordance with Section 8.02 of the
                          Distribution Agreement. In connection with Equifax's
                          license to Certegy pursuant to the foregoing, Certegy
                          agrees to pay Equifax a one-time license fee of One
                          Hundred Thousand Dollars ($100,000.00), which fee will
                          be treated as an intercompany payable from Certegy to
                          Equifax and shall be paid in accordance with Section
                          8.02 of the Distribution Agreement

                          DERIVATIVE PRODUCTS: Any modifications, enhancements
                          or Derivative Works lawfully made by either party to
                          any of the foregoing assets shall be owned by the
                          entity that modified or enhanced such asset or created
                          such Derivative Work from such asset.

                          FEES/ALLOCATIONS: As set forth above.

                          ADDITIONAL PROVISIONS: Each owner of any of the
                          foregoing assets shall (i) have the right to enforce,
                          in any country, all rights embodied in such assets,
                          and the other party agrees (at its expense) to
                          cooperate in such enforcement action as reasonably
                          requested by the owner thereof, and (ii) have the
                          right to file appropriate patent, trademark, copyright
                          or other applications, in any country, with respect to
                          such assets.
</TABLE>

                                       54

<PAGE>

<TABLE>
<S>                       <C>
                          The parties acknowledge and agree that, as between the
                          parties, all right, title and interest in and to the
                          trademark or service mark "APPLY," as it relates to
                          the APPLY software product, shall be and remain the
                          sole and exclusive property of Certegy; provided,
                          however, that Certegy shall grant to Equifax a
                          perpetual, fully paid, world-wide, exclusive license
                          to use the "APPLY" trademark or service mark solely
                          for use in combination with the mark "Equifax" and
                          solely in connection with the use of the APPLY
                          software PRODUCT.

PAYNET SECURE (SOFTWARE   OWNERSHIP:
APPLICATION), SOURCE
CODE, OBJECT CODE AND     As of the Closing Date, all right, title and interest
DOCUMENTATION             in and to the source code, object code and
                          documentation with respect to (i) Paynet Secure Level
                          1 and (ii) the payment processing components of Paynet
                          Secure Level 3, including, without limitation, all
                          patents, patent rights and copyrights related thereto,
                          shall be and at all times will remain the sole and
                          exclusive property of Certegy. Certegy shall have the
                          right to make, use, sell, copy, distribute, import,
                          develop Derivative Works or enhancements of, and
                          publicly perform and display, for any purpose, any of
                          the foregoing assets without any obligation (including
                          any obligation to account or pay royalties) or
                          liability to Equifax.

                          As of the Closing Date, all right, title and interest
                          in and to the source code, object code and
                          documentation with respect to (i) Paynet Secure Level
                          4 and (ii) the authentication components of Paynet
                          Secure Level 3, including, without limitation, all
                          patents, patent rights and copyrights related thereto,
                          shall be and at all times will remain the sole and
                          exclusive property of Equifax. Equifax shall have the
                          right to make, use, sell, copy, distribute, import,
                          develop Derivative Works or enhancements of, and
                          publicly perform and display, for any purpose, any of
                          the foregoing assets without any obligation (including
                          any obligation to account or pay royalties) or
                          liability to Certegy.

                          Notwithstanding the foregoing, all right, title and
                          interest in and to eID Verifier, reports related
                          thereto, and all intellectual property rights related
                          thereto, shall be and remain the sole and exclusive
                          property of Equifax, provided that Equifax shall have
                          certain obligations to Certegy with respect to such
                          eID Verifier Reports as specifically set forth
                          pursuant to the Intercompany Data Purchase Agreement.
                          Equifax shall have the sole right to make, use, sell,
                          copy, distribute, import, develop Derivative Works or
                          enhancements of, and publicly perform and display, for
                          any purpose, any of the foregoing assets without any
                          obligation (including any obligation to account or pay
                          royalties) or liability to Certegy.

                          The parties agree and acknowledge that Paynet Secure
                          Level 2 does not exist.

                          LICENSE: Certegy hereby grants to Equifax a fully
                          paid, non-exclusive, perpetual, worldwide license to
                          use, modify, copy, improve and create Derivative Works
                          and enhancements from, in source code and object code
                          format, processes or procedures developed by Equifax
                          in support to the Paynet Secure software product that
                          have applicability independent of or from the Paynet
                          Secure software product.

                          DERIVATIVE PRODUCTS: Any modifications, enhancements
                          or Derivative Works lawfully made by either party to
                          any of the foregoing assets shall be owned by the
                          entity that modified or enhanced such asset or created
                          such Derivative Work from such asset.

                          FEES/ALLOCATIONS: None.

                          ADDITIONAL TERMS: Equifax agrees that it shall have no
                          ownership or proprietary rights in and to the
                          trademark "Paynet Secure" or similar mark. Each owner
                          of any of the foregoing assets shall (i) have the
                          right to enforce, in any country, all rights embodied
                          in such assets, and the other party agrees (at its
                          expense) to cooperate in such enforcement action as
                          reasonably requested by the owner thereof, and (ii)
                          have the right to file appropriate patent, trademark,
                          copyright or other applications, in any country, with
                          respect to such assets. Please refer to the Transition
                          Support Agreement for information concerning equipment
                          that supports Paynet Secure.
</TABLE>

                                       55

<PAGE>

<TABLE>
<S>                       <C>
RETAIL REACH (SOFTWARE    OWNERSHIP: As of the Closing Date, all right, title
APPLICATION), SOURCE      and interest in and to the Retail Reach source code,
CODE, OBJECT CODE AND     object code and documentation, including, without
DOCUMENTATION             limitation, all patents, patent rights and copyrights
                          related thereto, shall be and at all times will remain
                          jointly owned by Equifax and Certegy. Each respective
                          owner shall have the right to make, use, sell, copy,
                          distribute, import, develop Derivative Works or
                          enhancements of, and publicly perform and display, for
                          any purpose, any of the foregoing assets without any
                          obligation (including any obligation to account or pay
                          royalties) or liability to Equifax. Notwithstanding
                          the foregoing, ownership of check transaction data and
                          DL/MICR cross-referencing data shall be governed in
                          accordance with the terms of the Intercompany Data
                          Purchase Agreement and the Bridge Database (as defined
                          in the Transition Support Agreement) shall be owned
                          solely and exclusively by Equifax, subject to the
                          terms and conditions of the Transition Support
                          Agreement.

                          LICENSE: None.

                          DERIVATIVE PRODUCTS: Any modifications, enhancements
                          or Derivative Works lawfully made by either party to
                          any of the foregoing assets shall be owned by the
                          entity that modified or enhanced such asset or created
                          such Derivative Work from such asset.

                          FEES/ALLOCATIONS: None.

                          ADDITIONAL TERMS: Each owner of any of the foregoing
                          assets shall (i) have the right to enforce, in any
                          country, all rights embodied in such assets, and the
                          other party agrees (at its expense) to cooperate in
                          such enforcement action as reasonably requested by the
                          owner thereof, and (ii) have the right to file
                          appropriate patent, trademark, copyright or other
                          applications, in any country, with respect to such
                          assets. Any patent rights to any invention that (i)
                          has been incorporated into an asset and (ii) was
                          created or developed (in any form or manner) prior to
                          the Distribution Date, shall be jointly owned by the
                          respective parties. Certegy agrees that it shall have
                          no ownership, proprietary rights or rights of use in
                          and to the trademark "Retail Reach" or a similar mark.
                          Please refer to the Intercompany Data Purchase
                          Agreement and the Transition Support Agreement for
                          additional details regarding Retail Reach.
</TABLE>

     All references to Certegy and Equifax under this Exhibit M may, where the
context provides and where applicable, be construed to refer to such entity's
respective Group member.

     Each party agrees to execute, or cause to be executed, such
acknowledgements, grants and assignments of rights in and to the intellectual
property described above, as the other party may reasonably request for the
purpose of evidencing, enforcing, registering or defending the ownership of such
intellectual property as contemplated above.

                                       56

<PAGE>

                                    EXHIBIT N

                                 PROJECTED MIPS

<TABLE>
<CAPTION>
                     2001          Former
                 ------------   ------------
<S>              <C>            <C>
PROJECTED MIPS   EQUIFAX: 433   EQUIFAX: 438
                 CERTEGY: 178   CERTEGY: 266
OVERHEAD MIPS    EQUIFAX: 114   EQUIFAX:  68
                 CERTEGY: 114   CERTEGY:  68
</TABLE>

                                       57

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