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                                                                  EXHIBIT 10.28

         HUMAN RESOURCES BUSINESS PROCESS AND SUPPORT SERVICES AGREEMENT

This HUMAN RESOURCES BUSINESS PROCESS AND SUPPORT SERVICES AGREEMENT (the
"Agreement"), dated as of June 4, 1999, is made by and between PwCES LLC, a
Delaware limited liability company with an office at 50 Hurt Plaza, Suite 1700,
Atlanta, Georgia 30303 ("PwCES") and PricewaterhouseCoopers LLP, a Delaware
limited liability partnership with an office at 1301 Avenue of the Americas, New
York, NY 10019 ("PwC") on the one hand, and Equifax Inc., a Georgia corporation
with an office at 1600 Peachtree Street, Atlanta, Georgia 30309 ("Equifax") on
the other hand.

                                    RECITALS

WHEREAS, Equifax and PwCES desire to enter into an agreement for the provision
and use of certain business process and support services, including business
process design, improvement, operation, management and support, as well as
related ancillary services;

WHEREAS, PwCES desires to provide to Equifax such business process and support
services;

WHEREAS, Equifax desires to purchase from PwCES such business process and
support services, under the terms and conditions set forth below; and

WHEREAS, the parties intend for PwCES to increase the efficiency and
cost-effectiveness of such business process and support services, to improve the
performance and delivery of such business process and support services and to
identify and apply techniques, tools and technologies that would improve the
provision of such business process and support services.

NOW, THEREFORE, in consideration of the covenants contained in this Agreement
and for other good and valuable consideration, the receipt and sufficiency of
which are hereby acknowledged, the parties agree as follows.

                             ARTICLE 1. DEFINITIONS

The following terms, when used in this Agreement with initial capital letters,
shall have the respective meanings set forth in this Article.

1.01     Account Executive. The term "Account Executive" means the individual
         appointed by each party to act (i) as the primary point of contact with
         the other party in dealing with each party's obligations under this
         Agreement and (ii) in the case of PwCES, as the executive in charge of
         overseeing the provision of the Services.

1.02     Additional Services. The term "Additional Services" means the tasks,
         functions and projects outside the scope of the Continuing Services
         that PwCES may provide to Equifax on terms to be mutually agreed upon
         and set forth in a Change Order.

1.03     Affiliate. The term "Affiliate" means, with respect to a party, any
         entity at any tier that controls, is controlled by, or is under common
         control with that party, and with respect to PwCES, any entity (whether
         or not incorporated) that carries on business under a name that
         includes all or part of the PricewaterhouseCoopers name or is otherwise
         within (or connected or associated with an entity within), or is a
         correspondent firm of, the worldwide network of PricewaterhouseCoopers
         firms. For purposes of this definition, the term "control" (including
         with correlative meanings, the terms "controlled by" and "under common
         control with") means the possession directly or indirectly of the power
         to direct or cause the direction of the management and policies of an
         entity, whether through the ownership of voting securities, by trust,
         management agreement, contract or otherwise.

1.04     Agreement. The term "Agreement" means this Human Resources Business
         Process and Support Services Agreement and all Exhibits attached hereto
         and incorporated herein by this reference.

1.05     Ancillary Services. The term "Ancillary Services" means the tasks,
         functions and projects that (i) are outside the scope of the Continuing
         Services, (ii) relate to the Services and affect PwCES's provision of
         Services (including, for example, services provided by a Third Party
         Provider whose relationship with Equifax is managed by PwCES pursuant
         to this Agreement) and (iii) may be provided to Equifax by PwCES on
         terms to be mutually agreed upon and set forth in a Change Order.
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1.06     Assumptions. The term "Assumptions" means the circumstances, metrics,
         principles, financial data, standards, computer systems, platforms and
         general information disclosed by Equifax or used by PwCES as a basis
         for determining the scope of Services, Service Levels and Charges, as
         set forth in Exhibit 16.

1.07     Base Charge. The term "Base Charge" means the amount PwCES shall charge
         to Equifax for the provision of Continuing Services at the Baseline
         levels, excluding any (i) Incremental Charge or Incremental Credit
         relating to such Services and (ii) Charges for Additional Services,
         Ancillary Services or Termination Services, as set forth in Exhibit 1.

1.08     Baseline. The term "Baseline" means the base amount of a Service to be
         provided by PwCES to Equifax with respect to the Continuing Services as
         set forth in Exhibit 1, excluding (i) any incremental Service
         generating Incremental Charges or Incremental Credits or (ii)
         Additional Services, Ancillary Services or Termination Services.

1.09     Change Control Procedure. The term "Change Control Procedure" means the
         procedure set forth in Section 3.10 for (i) increasing, decreasing or
         amending (a) a Service beyond the Threshold Limits, (b) a Service Level
         or (c) the Charges or (ii) adding Additional Services or Ancillary
         Services.

1.10     Change of Control. The term "Change of Control" with respect to a party
         means any (i) consolidation or merger of such party or any entity that
         possesses directly or indirectly the power to direct or cause the
         direction of the management and policies of such party, whether through
         the ownership of voting securities, by trust, management, agreement,
         contract or otherwise (each, a "Party Company") with or into another
         entity or entities (whether or not such Party Company is the surviving
         entity), excluding any such consolidation or merger with or into an
         Affiliate of such party, (ii) any sale or transfer by any Party Company
         of all or substantially all of its assets (excluding any such sale to
         an Affiliate), (iii) any sale, transfer or issuance or series of sales,
         transfers or issuances of shares or other equity interests of any Party
         Company by such Party Company or the equity holders thereof, as a
         result of which one equity holder, or a group of equity holders acting
         in concert, possess the voting power (under ordinary circumstances) to
         elect a majority of such Party Company's board of directors (or other
         equivalent managing group) or (iv) the bankruptcy, liquidation or
         dissolution of a Party Company. Notwithstanding the foregoing, no
         transaction of the type described in clauses (i), (ii) or (iii) of this
         Section shall constitute a Change of Control if, as of immediately
         following such transaction, the equity holders of a party that possess
         the voting power (under ordinary circumstances) to elect a majority of
         such party's board of directors (or other equivalent managing group) as
         of immediately prior to such transaction continue to own (directly or
         indirectly through one or more Party Companies) a sufficient amount of
         the outstanding capital stock or equity interests of each Party Company
         possessing the voting power (under ordinary circumstances) to elect a
         majority of such Party Company's board of directors (or other
         equivalent managing group).

1.11     Change Order. The term "Change Order" means a document (i) increasing,
         decreasing or amending (a) a Service beyond the Threshold Limits, (b) a
         Service Level or (c) the Charges or (ii) adding Additional Services or
         Ancillary Services, as executed pursuant to the Change Control
         Procedure, in substantially the form set forth in Exhibit 15.

1.12     Charges. The term "Charges" means, collectively, the (i) Base Charges,
         (ii) Incremental Charges, (iii) charges for Additional Services,
         Ancillary Services and Termination Services and (iv) any other charges
         provided under this Agreement, as set forth in Exhibit 1 and Change
         Orders.

1.13     Commencement Date. The term "Commencement Date" means the date on which
         PwCES begins to provide Services to Equifax or its Affiliates, as
         agreed upon by the parties, and as set forth in Exhibit 7. There may be
         a separate Commencement Date for each of Equifax or its Affiliates, for
         a particular Service or set of Services. Except where the context
         dictates otherwise, the Commencement Date shall be the applicable
         Commencement Date for Equifax or its Affiliates.

1.14     Continuing Services. The term "Continuing Services" means (i) a task,
         function or project or (ii) a set of related tasks, functions or
         projects, to be performed by PwCES on a continuing basis, as set forth
         in Exhibit 2, and tasks and functions not specifically described in
         Exhibit 2 that were being performed by a Transitioned Employee prior to
         the Commencement Date (and not by a Third Party Provider) and that are
         required for and are incidental and directly related to the proper
         performance of such Continuing Services.

1.15     Critical Service Level. The term "Critical Service Level" means any
         Service Level identified in Exhibit 2 or a Change
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         Order as a Critical Service Level.

1.16     Dispute. The term "Dispute" means any dispute, controversy or claim,
         including, without limitation, situations or circumstances in which the
         parties are required to mutually agree on additions, deletions or
         changes to terms, conditions or Charges, arising out of, or relating
         to, this Agreement.

1.17     Dispute Resolution Process. The term "Dispute Resolution Process" means
         the process for resolving Disputes set forth in Articles 12 and 13.

1.18     Equifax. The term "Equifax" means Equifax Inc. and, unless context
         dictates otherwise, its Affiliates receiving Services under this
         Agreement. Exhibit 7 sets forth the list of the Affiliates of Equifax,
         the operations and the locations for which Services will be provided as
         of the Commencement Date.

1.19     Equifax Data. The term "Equifax Data" means (i) all data and
         information provided or submitted by Equifax in connection with the
         Services and (ii) all such data and information processed or stored,
         and/or then provided to Equifax, as part of the Services, including,
         without limitation, data contained in forms, reports and other similar
         documents provided by PwCES as part of the Services.

1.20     Equifax Selected Employees. The term "Equifax Selected Employees" means
         employees of Equifax to whom employment will be offered by PwCES as
         listed in Exhibit 6 and pursuant to the terms set forth in the Hiring
         Plan.

1.21     Equifax Software. The term "Equifax Software" means any computer
         programs (including, without limitation, applications, utilities and
         operating systems software) owned or licensed by Equifax that will be
         used by PwCES in providing Services under this Agreement, as set forth
         in Exhibit 9.

1.22     Exhibit. The term "Exhibit" means an attachment to this Agreement as
         such attachment may be amended from time to time, each one of which is
         incorporated herein by this reference.

1.23     Hiring Plan. The term "Hiring Plan" means the plan, set forth in
         Exhibit 6, containing the terms and conditions by which PwCES will (i)
         offer employment to and hire Equifax Selected Employees and (ii) employ
         and compensate Transitioned Employees.

1.24     Impairment of Independence. The term "Impairment of Independence" means
         the occurrence or existence of any event or circumstance that PwCES or
         its Affiliates determines, in its sole but good faith judgment, that,
         as a result of the Services provided or to be provided under this
         Agreement, is inconsistent with (i) the obligations of PwCES or its
         Affiliates under the Code of Professional Ethics of the AICPA, (ii) any
         law, rule or regulation, or guideline or policy of any third party,
         applicable to PwCES or its Affiliates, including, without limitation,
         those of the Securities and Exchange Commission of the United States or
         (iii) guidelines and policies of PwCES or its Affiliates that relate to
         audit independence or otherwise interpret any such law, rule,
         regulation, guideline or policy.

1.25     Incremental Charge. The term "Incremental Charge" means, with respect
         to any particular Service, an increase, as set forth in Exhibit 1, to
         be applied on a monthly basis to the Base Charge as a result of the
         quantity of a particular Service exceeding the applicable Baseline, but
         within the Threshold Limits as provided in Section 3.05a.

1.26     Incremental Credit. The term "Incremental Credit" means, with respect
         to any particular Service, a decrease, as set forth in Exhibit 1, to be
         applied on a monthly basis, to the Base Charge as a result of the
         quantity of a particular Service falling below the applicable Baseline,
         but within the Threshold Limits as provided in Section 3.05a.

1.27     Inflation Adjustment Index. The term "Inflation Adjustment Index" means
         the inflation index set forth in Exhibit 1.

1.28     Information System. The term "Information System" means the information
         system described in Exhibit 3.

1.29     Information System Implementation Plan. The term "Information System
         Implementation Plan" means the implementation plan for the Information
         System, as set forth in Exhibit 3, that describes the milestones,
         estimated time line, responsibilities and processes for analysis,
         design, development and implementation of the Information System.

1.30     Initial Commencement Date. The term "Initial Commencement Date" means
         the first Commencement Date set forth in Exhibit 7.
<PAGE>

1.31     Key Personnel. The term "Key Personnel" means those Equifax Selected
         Employees and contractors identified as such in Exhibit 6.

1.32     Key PwCES Employees. The term "Key PwCES Employees" means the PwCES
         employees set forth in Exhibit 6.

1.33     Operating Level Agreements. The term "Operating Level Agreement" means
         that level of service that Equifax shall provide in performing certain
         of its responsibilities upon which PwCES is reliant in providing
         Services, as set forth in Exhibit 10.

1.34     Performance Bonuses. The term "Performance Bonuses" means those bonuses
         to be given to PwCES as set forth in Exhibit 1.

1.35     Performance Credits. The term "Performance Credits" means those credits
         to be given to Equifax as set forth in Exhibit 1.

1.36     Pool of Resources. The term "Pool of Resources" means the number of
         full-time equivalents set forth in Exhibit 1.

1.37     PwCES.  The term "PwCES" means PwCES LLC.

1.38     PwCES Products. The term "PwCES Products" means PwCES Software and any
         hardware, software or firmware that PwCES uses to provide the Services,
         except for any hardware, software or firmware that is a Transferred
         Asset, Equifax Software or the subject of a Transferred Agreement.

1.39     PwCES Software. The term "PwCES Software" means any computer programs
         (including, without limitation, applications, utilities and operating
         systems software) or databases developed or owned by PwCES and used by
         PwCES in providing the Services, as set forth in Exhibit 8.

1.40     Service. The term "Service" means (i) a task, function or project or
         (ii) a set of related tasks, functions or projects to be performed by
         PwCES, as set forth in Exhibit 2, including Continuing Services,
         Additional Services, Ancillary Services and Termination Services.

1.41     Service Level. The term "Service Level" means, with respect to any
         Service, the minimum quality and level of service required for that
         Service, as set forth in Exhibit 2.

1.42     Services Oversight Committee. The term "Services Oversight Committee"
         means the committee, comprised of management personnel of both PwCES
         and Equifax assigned under the terms of Article 6 that shall be
         authorized and responsible for (i) generally overseeing the performance
         of this Agreement, (ii) making strategic and tactical decisions in
         respect of the establishment, budgeting and implementation of
         priorities and plans with respect to the Services and (iii) monitoring
         and resolving Disputes in accordance with Article 12.

1.43     Set of Exhibits. The term "Set of Exhibits" means a set of Exhibits
         entered into contemporaneously for a particular set of Services.

1.44     Termination Charge. The term "Termination Charge" means the charge
         payable by Equifax to PwCES as set forth in Exhibit 1.

1.45     Termination Provisions. The term "Termination Provisions" means those
         provisions relating to the termination of this Agreement, as set forth
         in Exhibit 11.

1.46     Termination Services. The term "Termination Services" means the tasks
         and functions PwCES is to perform in anticipation of and following the
         termination or expiration of this Agreement in order to achieve an
         orderly transfer of Services from PwCES to Equifax or to Equifax's
         designee, as set forth in Exhibit 11.

1.47     Territory. The term "Territory" means the geographic locations set
         forth in Exhibit 2.

1.48     Third Party Agreement. The term "Third Party Agreement" means an
         agreement set forth in Exhibit 19 pursuant to which a Third Party
         Provider provides services to Equifax.
<PAGE>

1.49     Third Party Provider. The term "Third Party Provider" means any of
         Equifax's third party providers of services.

1.50     Third Party Software. The term "Third Party Software" means any
         computer programs (including, without limitation, applications,
         utilities and operating systems software) or databases, along with
         their supporting documentation, that are used under a license by PwCES
         from a third party to provide the Services, as set forth in Exhibit 18.

1.51     Threshold Limit. The term "Threshold Limit" means, with respect to a
         Service, the maximum increase or decrease in the quantity of a Service
         provided to Equifax from the Baseline that PwCES shall undertake
         without the need for a Change Order, as set forth in Exhibit 1.

1.52     Transferred Agreements. The term "Transferred Agreements" means those
         licenses of software and all other agreements between Equifax and a
         third party set forth in Exhibit 4 that Equifax is to assign to PwCES
         and that PwCES is to assume under this Agreement.

1.53     Transferred Assets. The term "Transferred Assets" means the equipment,
         furnishings and other assets set forth in Exhibit 4 to be transferred
         by Equifax to PwCES for the provision of the Services.

1.54     Transitioned Employees. The term "Transitioned Employees" means those
         Equifax Selected Employees who accept PwCES's offer of employment and
         are hired by PwCES, as set forth in Exhibit 6.

1.55     Transition Period. The term "Transition Period" means the period
         beginning on the Commencement Date and continuing as set forth in the
         Transition Plan.

1.56     Transition Plan. The term "Transition Plan" means the document setting
         forth anticipated time lines and general activities of each of PwCES
         and Equifax during the transition of the tasks, functions and projects
         addressed by the Services from Equifax to PwCES, as set forth in
         Exhibit 5.

1.57     WARN Act. The term "WARN Act" means the Worker Adjustment and
         Retraining Notification Act of 1988, as amended, and any similar
         foreign, state or local law, regulation or ordinance.

                                 ARTICLE 2. TERM

         This Agreement shall be effective as of the execution of this Agreement
         by both parties and shall continue until the tenth (10th) anniversary
         of the Initial Commencement Date, unless terminated earlier in
         accordance with the terms of this Agreement. This Agreement shall
         automatically be renewed for two (2) year periods under the
         then-current terms and conditions, unless either party shall have
         provided written notice to the other party at least one (1) year before
         the expiration of the then-current term of its intention not to renew.

                               ARTICLE 3. SERVICES

3.01     In General.

         a.       Subject to Section 3.01b, PwCES shall be the exclusive
                  provider in the Territory to Equifax and its Affiliates of
                  Equifax's and its Affiliates' requirements for the services
                  described as Continuing Services in Exhibit 2 for a particular
                  Set of Exhibits. In addition, subject to Section 3.01b, for a
                  particular Set of Exhibits, PwCES shall be the exclusive third
                  party provider of such services for the requirements of any
                  entity that becomes an Affiliate of Equifax in the Territory
                  after the Initial Commencement Date (except to the extent such
                  Affiliate was under contract (including any extensions
                  thereof) with a third party with respect to such services
                  prior to the date such entity became an Affiliate of Equifax),
                  provided (i) PwCES is in substantial compliance with the
                  Service Levels at the time such entity becomes an Affiliate of
                  Equifax and (ii) that the transition of such services to PwCES
                  is commercially reasonable and feasible for Equifax and such
                  Affiliate. Subject to Section 3.01b, if the parties are unable
                  to agree upon the pricing and other terms and conditions
                  regarding the provision of Services to such Affiliate of
                  Equifax, such Affiliate of Equifax may seek to negotiate with
                  another service provider; provided, however, PwCES shall have
                  a right of first refusal with respect to the offer made by
                  such other service provider.

         b.       Notwithstanding any other provision of this Agreement, PwCES's
                  right to be the exclusive provider or third
<PAGE>

                  party provider for services described in Exhibit 2 as
                  Continuing Services as provided in Section 3.01a, and PwCES's
                  right of first refusal as specified in Section 3.01a, shall be
                  applicable only to such services related to the first Set of
                  Exhibits (Human Resource functions) hereunder, unless Exhibit
                  2 of a subsequent Set of Exhibits for other such services
                  specifically provides that PwCES is the exclusive provider or
                  third party provider, as applicable, of such services
                  thereunder.

3.02     Services. Beginning on the Commencement Date, PwCES shall provide the
         Services as set forth in Exhibit 2 or any Change Order. The
         responsibilities of PwCES and Equifax with respect to the Services are
         set forth in Exhibit 2 or the applicable Change Order.

3.03     Transition Period.

         During the Transition Period, the parties shall:

                  (i)   Work together to implement the Transition Plan; and

                  (ii)  Develop and refine Baselines, Services, Service Levels,
                        Threshold Limits, Operating Level Agreements and Charges
                        to be applicable after the Transition Period and
                        negotiate in good faith Change Orders reflecting such
                        changes; provided, however, except as otherwise mutually
                        agreed upon by the parties in writing, any increases in
                        Charges, and any reductions in Baselines and Threshold
                        Limits, as a result of such development and refinement
                        during the Transition Period, shall be made only if and
                        to the extent they relate to (a) an incorrect Assumption
                        that arises out of inaccurate information provided by
                        Equifax or a failure of Equifax to provide to PwCES
                        information Equifax has and that is requested by PwCES
                        or (b) a mutual mistake by the parties. In the event
                        that the parties are unable to agree on such Change
                        Orders during the Transition Period, the matter shall be
                        resolved through the Dispute Resolution Process.

3.04     Service Levels.

         a.       Existing Services. During the Transition Period, PwCES shall
                  provide the Services consistent with the manner in which the
                  tasks, functions or projects addressed by the Services were
                  delivered by Equifax prior to the Commencement Date or as
                  mutually agreed upon and set forth in Exhibit 2. In those
                  instances where there is neither sufficient nor historical
                  data available to establish Service Levels, the parties shall
                  mutually agree and establish such Service Levels during the
                  Transition Period. After the Transition Period, PwCES shall
                  provide the Services consistent with the Service Levels as
                  mutually agreed upon and as set forth in Exhibit 2, which in
                  no event shall be less than the manner in which the services
                  were provided by Equifax prior to the Commencement Date.

         b.       Future Services. With respect to Additional Services and
                  Ancillary Services provided by PwCES during the term of this
                  Agreement, PwCES shall provide such Services in accordance
                  with the Service Levels to be set forth in Exhibit 2, or in
                  accordance with other mutually agreed standards.

         c.       Review. Beginning the earlier of (i) two (2) years from the
                  Initial Commencement Date and (ii) the date that the
                  Information System is in day-to-day operation, and every two
                  (2) years thereafter, during the term of this Agreement, the
                  parties shall meet and evaluate the Service Levels and the
                  need to revise them.

         d.       Reporting. PwCES shall report to Equifax regarding the
                  performance of the Services relative to the Service Levels
                  according to the guidelines set forth in Exhibit 2.

         e.       Performance Credits. If PwCES fails to meet a Critical Service
                  Level for any one (1) month period, or if PwCES fails to meet
                  any other Service Level for three (3) consecutive months,
                  Equifax shall be entitled to the Performance Credits set forth
                  in Exhibit 1.

         f.       Performance Bonuses. After the first benchmarking pursuant to
                  Section 3.04h, the parties shall negotiate in good faith
                  regarding the use and amount of Performance Bonuses if PwCES
                  exceeds certain Critical Service Levels as set forth in
                  Exhibit 1.

         g.       Service Level Analysis and Resolution. Upon notice from
                  Equifax of PwCES's failure to meet a Service Level,
<PAGE>

                  PwCES shall as soon as reasonably practicable (i) perform an
                  analysis to identify the cause of such failure, (ii) provide
                  Equifax with a report thereon and the procedure for correcting
                  the failure and (iii) provide reasonable assurances to Equifax
                  that the failure shall not recur.

         h.       Benchmarking. PwCES shall improve the quality of the Services
                  during the term of this Agreement. Beginning two (2) years
                  after the Initial Commencement Date, and every two (2) years
                  thereafter, the parties shall cause an independent third party
                  (the "Benchmarker") to conduct a benchmark study of the
                  primary Services, as determined by the Services Oversight
                  Committee, to assess the quality of the Services. The
                  Benchmarker may not be any entity listed on Exhibit 17. If
                  there is any Dispute regarding the Services to be benchmarked,
                  the parties shall focus the benchmark study on the Services
                  related to the Critical Service Levels. The fees of the
                  Benchmarker shall be shared equally by the parties. Using
                  consistent methodologies and, to the extent reasonably
                  possible, objective measurements, the Benchmarker shall
                  evaluate each specified Service with regard to Charges and
                  performance (including quality of service) and shall compare
                  the same to similar services provided to other companies in
                  the Territory of a size similar to that of Equifax by service
                  providers that have made investments similar to those made by
                  PwCES with respect to the Services (or, if the service
                  providers included in the study have not made investments
                  similar to those made by PwCES, appropriate adjustments shall
                  be made by the Benchmarker to account for the difference in
                  investments). If the benchmark study shows that the level of
                  performance being achieved by PwCES in relation to the Charges
                  (the "Performance/Price Ratio") for each of the Services is
                  not above the average Performance/Price Ratio of the other
                  companies in the study, then the Services Oversight Committee
                  shall determine, within forty-five (45) days after release of
                  the benchmark study, what changes, if any, should be made to
                  the Services or Charges and by when such changes should be
                  made. If the Services Oversight Committee is unable to agree
                  on the changes, if any, to be made to the Services or Charges
                  or when such changes should be made, the matter shall be
                  submitted to the Dispute Resolution Process. The cost of
                  implementing such changes shall be borne by PwCES, except to
                  the extent that the parties agree that PwCES will employ
                  significant new technologies to implement such changes, in
                  which case, the parties shall negotiate in good faith a Change
                  Order that reflects the parties' agreement to share in the
                  cost of the employment of those significant new technologies.
                  If Equifax fails to implement a reengineering project as
                  described in Section 3.13, which project is commercially
                  reasonable in light of the circumstances, and such failure is
                  the cause of PwCES's Performance/Price Ratio falling below the
                  average described above for a particular Service, then this
                  Section 3.04h shall not apply to such Service.

3.05     Changes in Services.  Following the Transition Period:

         a.       Within Threshold. If the increase, decrease or change from the
                  Baseline is within the Threshold Limits for the specific
                  Service in question, then PwCES shall increase or decrease the
                  Charges for that Service by the Incremental Charge or
                  Incremental Credit, as the case may be, as specified in
                  Exhibit 1, or in an appropriate Change Order.

         b.       Beyond Threshold. If the increase, decrease or change from the
                  Baseline exceeds the Threshold Limits, then the parties shall
                  promptly negotiate in good faith the terms of a Change Order,
                  subject to Section 4.07a and Exhibit 1. The Change Order shall
                  specify, among other things, the adjustment to the Base Charge
                  for the Service in question.

         c.       Requirements. If either party reasonably determines that the
                  quantity of a Continuing Service has materially increased,
                  decreased or otherwise changed beyond the Baseline, such party
                  shall notify the other party.

         d.       Change Order. The parties shall negotiate in good faith a
                  Change Order reflecting the changes described in this Section.
                  In the event that the parties are unable to mutually agree on
                  the appropriate modification, adjustment or addition to the
                  Charges, the matter shall be submitted to the Dispute
                  Resolution Process.

3.06     Additional Services and Ancillary Services. At Equifax's request, PwCES
         may provide Additional Services and Ancillary Services. The parties
         shall negotiate in good faith to establish and mutually agree upon the
         terms of a Change Order, including, without limitation, the scope of
         Services, Service Levels and Threshold Limits (if applicable), and
         Charges pertaining to the Additional Services and Ancillary Services.
         Equifax acknowledges that PwCES may be able to increase the efficiency
         and cost-effectiveness of the Services and to improve the performance
         and delivery of the Services by providing Ancillary Services to
         Equifax. With respect to any proposed Ancillary Services that Equifax
         or any Affiliate of Equifax seeks to have provided by a third party,
         PwCES shall have the right to bid on the provision of such Ancillary
         Services.
<PAGE>

3.07     Third Party Agreements. PwCES shall administer and coordinate the Third
         Party Agreements in accordance with their terms. PwCES shall provide
         Equifax with reasonable notice of any renewal, termination or
         cancellation dates and fees in respect of the Third Party Agreements.
         Upon the mutual written agreement of PwCES and Equifax, Equifax shall,
         to the extent permitted by a Third Party Agreement, modify, terminate
         or cancel any such agreement, and PwCES shall not renew, terminate or
         cancel any Third Party Agreement without the prior written consent of
         Equifax. Any modification, termination or cancellation fees or charges
         imposed upon Equifax in connection with any such modification,
         termination or cancellation shall be paid by Equifax, unless otherwise
         agreed upon by the parties in writing. Except with respect to those
         Third Party Agreements identified as "restricted" on Exhibit 19, if
         PwCES requests that certain Third Party Agreements be modified,
         terminated or cancelled and offers to pay any modification, termination
         or cancellation fees or charges imposed upon Equifax in connection with
         any such modification, termination or cancellation and Equifax fails to
         so modify, terminate or cancel, then the parties shall negotiate in
         good faith a Change Order reflecting appropriate adjustments in
         Charges, Service Levels and other performance obligations under this
         Agreement; provided, however, this sentence shall not apply if PwCES
         requires Equifax to use a Third Party Provider and Equifax is unable to
         obtain from such Third Party Provider commercially reasonable terms and
         conditions. Equifax, and not PwCES, shall be responsible for Equifax's
         performance under the Third Party Agreements and liable to Third Party
         Providers under the Third Party Agreements for any breach thereof by
         Equifax, except to the extent PwCES causes such breach. Each of PwCES
         and Equifax shall promptly inform the other of any breach in connection
         with any Third Party Agreement that would give rise to a termination
         right or liability, and any misuse or fraud in connection with any
         Third Party Agreement of which a party becomes aware, and the parties
         shall cooperate with each other to prevent or stay any such breach,
         misuse or fraud. Subject to Article 15, any penalties or charges
         (including amounts due to a third party as a result of a party's
         failure to promptly notify the other party pursuant to the preceding
         sentence), associated taxes, legal expenses and other incidental
         expenses incurred by a party as a result of the other party's
         non-performance of its obligations under this Section with respect to a
         Third Party Agreement shall be paid by the nonperforming party. Subject
         to Article 15, any damages incurred by Equifax as a result of PwCES's
         non-performance of its obligations under this Section with respect to a
         Third Party Agreement shall be paid by PwCES, except to the extent such
         damages arise out of commercially unreasonable terms and conditions in
         such Third Party Agreement. To the extent permitted by a Third Party
         Agreement, and as requested by PwCES, Equifax shall appoint PwCES as
         its agent for all matters pertaining to the Third Party Agreements and
         promptly notify the appropriate Third Party Providers of such
         appointment. If a written agreement between Equifax and a Third Party
         Provider that provides services relating to the Services during the
         term of this Agreement is located or created, PwCES shall have the
         right to add to Exhibit 19 any such agreements.

3.08     Disbursements. Beginning on the Commencement Date, PwCES shall (i)
         receive all invoices submitted by the Third Party Providers pursuant to
         the Third Party Agreements, (ii) review and correct any errors in any
         such invoices, (iii) submit such invoices to Equifax for final
         authorization, (iv) pay such invoices within a reasonable period of
         time after receiving such authorization and prior to the due date and
         (v) be responsible for any late fees with respect to such third party
         invoices (except to the extent such late fees are incurred because of
         an action or failure to act by Equifax that affects PwCES's ability to
         pay such invoices on a timely basis). Equifax shall be responsible for
         any amounts due or payable before the Commencement Date for or in
         connection with the Third Party Agreements; provided however, that if
         PwCES receives an invoice relating to such amounts and fails to submit
         such invoice to Equifax in a timely manner, then PwCES shall be
         responsible for any late fees in respect of such invoice (except to the
         extent such late fees are incurred because of an action or failure to
         act by Equifax that affects PwCES's ability to submit such invoices on
         a timely basis).

3.09     Termination Services. PwCES shall make available to Equifax the
         Termination Services under the terms and conditions set forth in
         Exhibit 11. If Equifax elects to engage a third party to provide
         services after termination or expiration of this Agreement, then
         Equifax shall include in its contract with such third party that such
         third party (i) shall execute a confidentiality agreement in substance
         the same as is set forth in the form attached in Exhibit 15, to protect
         PwCES's and its Affiliates' and contractors' proprietary and
         confidential information and (ii) shall agree in writing not to
         solicit, for a period of two (2) years, any of PwCES's or its
         Affiliates' partners, employees or agents that become known to such
         third party as a result of the transition of the Services from PwCES to
         such third party.

3.10     Change Control Procedures. In the event that either party wishes (i) a
         change within the scope of the Services, Baselines, Service Levels or
         priorities or (ii) a change to the Charges or Exhibits, such requesting
         party's Account Executive or his or her designee shall submit a written
         proposal to the other party's Account Executive describing such desired
         change. Such party's Account Executive shall review the proposal and
         reject or accept the proposal in writing within
<PAGE>

         a reasonable period of time, but in no event more than thirty (30) days
         after receipt of the proposal. In the event that the proposal is
         rejected, the writing shall include the reason for rejection. In the
         event that the proposal is accepted, the parties shall mutually agree
         on the changes to be made to this Agreement. The additional or modified
         Charges, terms and conditions (if any) shall be made only in a written
         Change Order signed by the Account Executive of each of the parties or
         his designee (authorized in writing by the applicable party).
         Notwithstanding the foregoing, if the need for an emergency change
         arises, either party's Account Executive or his or her designee shall
         submit a request for such change to the other party's Account Executive
         and PwCES shall, subject to the other terms and conditions of this
         Agreement, use commercially reasonable efforts to implement such change
         promptly and the parties shall thereafter agree upon a Change Order
         within two (2) business days of such submission.

3.11     PwCES's Responsibilities. In addition to any specific tasks, functions
         or projects for which PwCES is given responsibility as Services in this
         Agreement and relevant Exhibits, PwCES shall perform the following
         responsibilities during the term of this Agreement.

         a.       Employees, Agents and Contractors. In the event that Equifax
                  reasonably and in good faith determines that it is not in the
                  best interests of Equifax for any PwCES employee, agent or
                  contractor to continue in his/her capacity in the provision of
                  the Services, then Equifax shall give PwCES written notice
                  specifying the reasons for its position and requesting that
                  such employee, agent or contractor be replaced. PwCES shall
                  immediately investigate the matters stated in such notice and,
                  if it determines that Equifax's concerns are reasonable and
                  not unlawful, PwCES shall replace such employee, agent or
                  contractor. In addition, upon written notice from Equifax,
                  PwCES shall use reasonable efforts to replace any PwCES
                  employee, agent or contractor who Equifax reasonably believes
                  represents a material risk to Equifax's business, property or
                  personnel.

         b.       Facilities. PwCES shall provide those employees, agents and
                  contractors of Equifax who are reasonably required to be
                  located on PwCES's premises with access to and use of space,
                  office furnishings, janitorial service, telecommunications
                  service, data processing services, utilities (including
                  heating) and office-related equipment, supplies, and
                  duplicating services in connection with the performance of the
                  Services (all such space, furnishings, equipment, supplies,
                  utilities and services to be consistent with those that PwCES
                  provides its own comparable employees). Equifax shall, and
                  shall cause its agents and contractors to, abide by PwCES's
                  policies and guidelines while on PwCES's premises.

         c.       Operating Level Agreements. PwCES shall provide notice to
                  Equifax of (i) a failure by Equifax or any third party
                  retained by, or under control of, Equifax, to provide
                  hardware, software, services, data or materials that Equifax
                  or such third party is required to provide to PwCES under this
                  Agreement and that PwCES requires to perform the Services or
                  (ii) a failure by Equifax to timely and accurately perform its
                  responsibilities as set forth in this Agreement, including,
                  without limitation a failure to comply with an Operating Level
                  Agreement, in each case within ten (10) days of becoming aware
                  that such failure is adversely affecting its ability to
                  perform in accordance with the terms of this Agreement. If
                  PwCES fails to provide such notice, then such failure shall
                  not relieve PwCES of its obligations to perform the Services
                  in accordance with this Agreement until such notice is
                  provided to Equifax.

         d.       Consent. Unless otherwise specified herein, PwCES shall not
                  unreasonably withhold or delay any consent, approval or
                  response requested by Equifax under this Agreement.

         e.       Improvements. PwCES acknowledges Equifax's desire for PwCES to
                  increase the efficiency and cost-effectiveness of the
                  Services, and to improve the performance and delivery of the
                  Services, throughout the term of this Agreement.

         f.       Records. PwCES shall (i) maintain tools and procedures
                  necessary to accurately monitor compliance with the Service
                  Levels and (ii) prepare and maintain detailed records
                  regarding its compliance with the Service Levels and the
                  determination and application of Performance Bonuses and
                  Performance Credits. Upon reasonable request, PwCES shall
                  provide Equifax with information and reasonable access to such
                  tools and procedures and the records relating thereto for
                  purposes of verification of the Service Levels. Equifax
                  acknowledges that certain tools, procedures and records do not
                  exist as of the Commencement Date, but will be developed
                  during the Transition Period.

         g.       Correction of Errors. At PwCES's expense, PwCES shall promptly
                  correct any errors or inaccuracies in the Equifax Data,
                  reports, payments and other output produced by PwCES as result
                  of providing the Services, to
<PAGE>

                  the extent such errors or inaccuracies were caused by Services
                  provided by PwCES, its Affiliates or its or their respective
                  agents or contractors under this Agreement.

         h.       Agreements and Assets. Subject to Equifax obtaining any
                  required consents or approvals, PwCES shall assume all
                  Transferred Agreements and shall purchase and acquire all
                  Transferred Assets on the dates and for the purchase price set
                  forth on Exhibit 4.

         i.       Licenses. PwCES shall use commercially reasonable efforts to
                  negotiate licenses for Third Party Software that include a
                  right to assign or transfer to Equifax, without additional
                  payments by Equifax (or to minimize additional payments), such
                  licenses (and related maintenance agreements) upon expiration
                  or termination of this Agreement.

         j.       Internal Controls. During the term of this Agreement, PwCES
                  shall maintain an appropriate level of internal controls to
                  timely, completely and accurately record transactions and to
                  reasonably safeguard Equifax assets. At such time as PwCES
                  provides services to any other customer using the same systems
                  and processes as are used to provide the Services, PwCES shall
                  have an independent public accounting firm perform, at no cost
                  to Equifax, an annual third party review, as defined in
                  accordance with SAS # 70, of the facility from which the
                  Services are provided. The control objectives of the SAS # 70
                  review shall be mutually agreed by the parties.

         k.       Compliance. PwCES shall perform the Services in compliance
                  with the provisions of the documents governing the benefit
                  plans covered by Exhibit 2 and applicable laws, rules and
                  regulations.

3.12     Equifax's Responsibilities. In addition to any specific tasks,
         functions or projects for which Equifax is given responsibility in this
         Agreement and relevant Exhibits, Equifax shall perform the following
         responsibilities during the term of this Agreement.

         a.       Affiliates of Equifax. Equifax shall cause its Affiliates,
                  although not signatories hereto, to be bound by the terms and
                  conditions of this Agreement. Any breach of this Agreement by
                  an Affiliate of Equifax shall be deemed a breach by Equifax.

         b.       Agreements, Assets and Software. Equifax shall (i), subject to
                  obtaining any required consents or approvals, assign all
                  Transferred Agreements and sell, assign and convey all
                  Transferred Assets free of any liens or other encumbrances to
                  PwCES on the dates and for the purchase prices set forth on
                  Exhibit 4, (ii) obtain all consents or approvals necessary to
                  allow PwCES and its employees, agents and contractors to use
                  the Equifax Software owned by Equifax and (iii) obtain all
                  consents or approvals necessary to allow PwCES to use Equifax
                  Software licensed by Equifax that is not the subject of a
                  Transferred Agreement. Equifax, with PwCES's reasonable
                  cooperation, shall obtain, at Equifax's cost and expense, all
                  required consents and approvals to permit such assignments,
                  transfers and use. If, however, any required consent or
                  approval is not obtained, unless and until such required
                  consent or approval is obtained, then, as PwCES's sole remedy,
                  the parties shall cooperate with each other in achieving a
                  reasonable alternative arrangement under which PwCES may
                  perform the Services without causing a breach or violation of
                  any Transferred Agreement or any agreement relating to Equifax
                  Software for which a required consent is to be obtained. Such
                  reasonable alternative arrangements may include (i) Equifax's
                  retention of certain third party agreements that would
                  otherwise be transferred hereunder or (ii) PwCES's agreement
                  to administer and coordinate such agreements pursuant to
                  Sections 3.07 and 3.08. In addition, it is the parties' intent
                  that such reasonable alternative arrangements shall provide
                  that PwCES and its employees, agents and contractors are able
                  to exercise the rights, including, without limitation, rights
                  with respect to the licensor's maintenance obligations and
                  warranties, PwCES would have had if such Transferred Agreement
                  were assigned to PwCES or if such consents or approvals had
                  been obtained. If such arrangements do not provide such
                  rights, notwithstanding the foregoing, PwCES shall be
                  entitled, as its sole remedy (other than its rights under
                  Sections 17.02(i) and (iii)) for Equifax's failure to obtain
                  such consents or approvals, to appropriate relief in Charges,
                  Services, Service Levels and other obligations under this
                  Agreement; provided, however, that PwCES shall use diligent
                  efforts to mitigate the effects resulting from such events.
                  All required consents and approvals shall provide for (i) the
                  use by PwCES and its employees of the rights under the
                  Transferred Agreements in performing the Services and (ii) if
                  necessary, the continued use by Equifax of the rights under
                  the Transferred Agreements to perform its responsibilities
                  pursuant to this Agreement. Equifax and PwCES shall cooperate
                  in approving the terms and conditions relating to all of the
                  foregoing consents and approvals. Equifax shall be liable for
                  the expenses incurred in obtaining all of the foregoing
                  consents and approvals. PwCES's use of Equifax Software
                  licensed by Equifax will be subject to the restrictions of the
                  third
<PAGE>

                  party license agreements with the licensors of such Equifax
                  Software, except to the extent such restrictions prohibit
                  PwCES from using such Equifax Software.

         c.       Facilities. As set forth in Exhibit 12, Equifax shall provide
                  PwCES access to and use of office facilities and operational
                  support services, and access to and use of data processing and
                  telecommunications capabilities, that Equifax currently uses
                  to perform the tasks, functions and projects addressed by the
                  Services. In addition, Equifax shall provide those employees,
                  agents and contractors of PwCES who are reasonably required to
                  be located on Equifax's premises with access to and use of
                  space, office furnishings, janitorial service,
                  telecommunications service, data processing services,
                  utilities (including heating and air conditioning) and
                  office-related equipment, supplies, and duplicating services
                  in connection with the performance of the Services (all such
                  space, furnishings, equipment, supplies, utilities and
                  services to be consistent with those that Equifax provides its
                  own comparable employees). PwCES shall, and shall cause its
                  agents and contractors to, abide by Equifax's policies and
                  guidelines while on Equifax's premises.

         d.       Relocation. If Equifax relocates its current office space or
                  otherwise causes employees, agents or contractors of PwCES to
                  relocate in order to provide any Services, Equifax shall
                  continue to provide the same access, use and support services
                  as referenced above. In the event of such relocation, Equifax
                  shall be responsible at its cost and expense (i) for moving
                  all of the office furnishings of such PwCES personnel to the
                  new location and (ii) for all of PwCES's reasonably necessary
                  costs and expenses of relocating such PwCES personnel to the
                  extent consistent with Equifax's policies regarding the
                  relocation of its own employees.

         e.       Projects. Equifax shall complete the development and
                  implementation of all organizational projects, software
                  projects, technical projects and other implementation projects
                  in progress as of the Commencement Date in a manner consistent
                  with Equifax's pre-existing implementation plans, and as set
                  forth in Exhibit 13. Equifax and PwCES shall cooperate with
                  each other in providing access to personnel and facilities,
                  and in providing the resources necessary to complete such
                  projects. Completion of such projects shall be at Equifax's
                  sole expense. Except in connection with such pre-existing
                  implementation plans, any new technology or material changes
                  to existing technology that may affect the provision of
                  Services shall not be implemented by Equifax without PwCES's
                  prior written approval.

         f.       Retained Equifax Employees, Consultants and Contractors.
                  Except as provided in Section 17.01, Equifax shall be
                  responsible in all respects to and for any Equifax employee,
                  consultant or contractor who (i) is not a Transitioned
                  Employee or a consultant or contractor for whom PwCES has
                  expressly assumed responsibility or otherwise engaged pursuant
                  to the terms of this Agreement, (ii) serves as Equifax's
                  Account Executive, (iii) serves on the Services Oversight
                  Committee or (iv) serves as a liaison with PwCES.

         g.       Data and Errors. Equifax shall cooperate with PwCES to address
                  the resolution of any errors, omissions or deficiencies in any
                  output produced by PwCES as a result of providing the Services
                  and provide PwCES the opportunity to correct such errors,
                  omissions or deficiencies. Upon successful resolution of such
                  errors, omissions or deficiencies, Equifax shall accept the
                  output as completed.

         h.       Permits and Approvals. Equifax shall be responsible for (i)
                  obtaining all consents and approvals under agreements to which
                  it is a party or may be bound as necessary for PwCES to
                  perform the Services while on Equifax's premises and (ii)
                  obtaining all permits and approvals from any third party
                  (including, without limitation, government agencies) relating
                  to Equifax's premises and necessary for PwCES to perform the
                  Services while on Equifax's premises.

         i.       Consent. Unless otherwise specified herein, Equifax shall not
                  unreasonably withhold or delay any consent, approval or
                  response requested by PwCES under this Agreement.

         j.       Operating Level Agreements. Equifax shall perform its
                  obligations consistent with the Operating Level Agreements set
                  forth in Exhibit 10.

         k.       Equifax Data. During the course of providing the Services,
                  PwCES may find missing values, incorrect values or
                  inconsistencies within the Equifax Data or other problems with
                  Equifax Data. In the event PwCES finds any of the foregoing
                  and provides notice to Equifax thereof, Equifax shall be
                  responsible for providing to PwCES for input by PwCES the
                  correct information with respect to the foregoing; provided,
                  however, this provision shall not apply to the extent the
                  foregoing were created by PwCES. If PwCES requires more than
<PAGE>

                  a minor additional amount of resources to correct any of the
                  foregoing, the parties shall negotiate in good faith a Change
                  Order.

         l.       PwCES Assumptions. To the extent they affect the provision of
                  Services, the timely and correct performance by Equifax of
                  each of the foregoing responsibilities is one of the
                  Assumptions under this Agreement.

3.13     Re-engineering. PwCES may from time to time, including, without
         limitation, during the Transition Period, review the operations
         required to support Equifax and may recommend to Equifax certain
         re-engineering procedures, processes and tools. When the re-engineering
         opportunity requires Equifax to modify its methods, practices or
         policies, PwCES shall (i) present the changes to Equifax, (ii) discuss
         with Equifax the requirements of implementation and (iii) identify the
         projected benefits to both Equifax and PwCES. Equifax shall have the
         opportunity to discuss the proposed changes and to request appropriate
         modifications prior to granting approval. The parties shall work in
         good faith to determine the costs, benefits and proper level of
         commitment by both PwCES and Equifax for implementing such
         re-engineering projects, and to mutually agree on such terms and
         conditions to be set forth in a Change Order. Equifax may only refuse
         or delay implementation of such projects if such projects require
         significant additional expenditures by Equifax or are inconsistent with
         Equifax's business strategies. If Equifax fails to approve or
         adequately implement re-engineering project opportunities (other than
         those that require significant additional capital expenditures by
         Equifax), the parties shall negotiate in good faith a Change Order
         reflecting appropriate adjustments in Charges, Service Levels and other
         performance obligations under this Agreement; provided, however, this
         sentence shall not apply if, as part of the re-engineering project,
         PwCES requires Equifax to use third party software and Equifax is
         unable to obtain from the vendor of such software commercially
         reasonable warranties.

3.14     Dependencies. PwCES and Equifax anticipate that the provision of
         Services shall have dependencies on the contracts between Equifax and
         Third Party Providers.

3.15     PwCES's Use of Contractors. PwCES may engage consultants, agents or
         contractors (including any of its Affiliates) to perform any Service or
         any task or subtask within the Services; provided, however, that each
         such consultant, agent and contractor shall agree to be bound (i) by
         the confidentiality provisions, and (ii) the non-solicitation
         provisions (to the extent such consultant, agent or contractor provides
         any material Service or any material task or subtask), set forth in
         this Agreement. PwCES shall not use any consultant, agent or contractor
         set forth on Exhibit 17 without Equifax's consent. To the extent that
         PwCES incurs any incremental costs as a result of Equifax's refusal to
         consent to PwCES's selection of a particular consultant, agent or
         contractor, Equifax shall pay such costs to PwCES as set forth in a
         Change Order; provided, however, PwCES shall use commercially
         reasonable efforts to mitigate the amount of the incremental costs. In
         the event any problems arise in the provision of the Services, PwCES
         and its employees, rather than PwCES contractors and agents, shall be
         the principal points of contact for Equifax with respect to the
         resolution of such problems.

3.16     No Obligation. Except as set forth in Exhibit 11, in no event shall
         PwCES be obligated to provide any Service, and PwCES shall not be
         liable for the failure to provide any such Service, that would result
         in an Impairment of Independence. PwCES is not providing any attest
         function or service under this Agreement. PwCES shall apply to Equifax
         and this Agreement its interpretations of laws, rules, regulations,
         guidelines and policies regarding audit independence in a manner
         consistent with PwCES's application of such interpretations to
         situations similar to those set forth in this Agreement.

3.17     Business Recovery and Disaster Recovery. The parties' responsibilities
         for business recovery and disaster recovery and associated costs are
         set forth in Exhibit 14.

3.18     Regulatory Changes. PwCES shall make any changes to the Services and
         take any actions necessary in order to maintain compliance with laws
         and regulations applicable to the provision of the Services. To the
         extent that regulatory or statutory changes, or changes in Equifax's
         policies or practices, that directly relate to the Services and require
         a modification to the Services shall require PwCES to incur costs and
         expenses to provide the Continuing Services beyond those required in
         fulfilling its then-current responsibilities under this Agreement, the
         parties shall negotiate in good faith a Change Order reflecting the
         additional costs to PwCES.

3.19     Pool of Resources. To the extent a task or function related to the
         Continuing Services was being performed by a Transitioned Employee
         prior to the Commencement Date (and not by a Third Party Provider) and
         such task or function is not specifically described in Exhibit 2 or
         Exhibit 13 or within the definition of Continuing Services, PwCES shall
         use the Pool of Resources to perform such task or function and such
         task or function shall thereafter be deemed a Continuing Service.
<PAGE>

                         ARTICLE 4. CHARGES AND PAYMENTS

4.01     Charges. In consideration of PwCES providing the Services, Equifax
         shall pay to PwCES the Charges as set forth in Exhibit 1.

4.02     Incremental Charges or Credits. In consideration of an increase in the
         quantity of any Continuing Service, which increase is within the
         Threshold Limits, Equifax shall pay to PwCES the Incremental Charges,
         as set forth in Exhibit 1. In consideration of a decrease in the
         quantity of any Continuing Service, which decrease is within the
         Threshold Limits, PwCES shall credit or reimburse Equifax the
         Incremental Credits, as set forth in Exhibit 1.

4.03     Annual Inflation Index Adjustment. PwCES shall apply an inflation
         adjustment, based on the Inflation Adjustment Index, to the Charges, as
         set forth in Exhibit 1.

4.04     Payment Terms.

         a.       Invoice in Advance. PwCES shall issue an invoice to Equifax no
                  more than ten (10) business days in advance of the beginning
                  of each month during the term of this Agreement for the amount
                  of the Base Charge for that month and other Charges for that
                  month relating to the recurring Services.

         b.       Invoice in Arrears. PwCES shall issue an invoice to Equifax
                  within ten (10) business days after the end of each month
                  during the term of this Agreement for the amount of all
                  Incremental Charges, charges for Additional Services and
                  Ancillary Services (except for those Charges paid in advance
                  pursuant to Section 4.04a), Performance Bonuses due PwCES and
                  any other charges incurred during the previous month, which
                  invoice shall also include all Incremental Credits,
                  Performance Credits and any other credits due Equifax during
                  the previous month.

         c.       Payments. All invoices submitted by PwCES to Equifax are due
                  and payable within thirty (30) days of the receipt of the
                  invoice, subject to Equifax's right to withhold payment in the
                  event of a good faith dispute pursuant to Section 4.04e. Late
                  payments shall accrue interest from the invoice date at the
                  lesser of (i) one-and-one-half percent (1 1/2%) per month and
                  (ii) the highest rate allowed by law. Subject to Section
                  4.04e, if Equifax fails to pay any invoice within thirty (30)
                  days after the invoice date, and thereafter fails to make such
                  payment within fifteen (15) days after written notice from
                  PwCES of such failure, PwCES may, in addition to any other
                  remedies available to it under this Agreement, suspend
                  performance of Services.

         d.       Credits. With respect to any amounts to be paid or reimbursed
                  by PwCES to Equifax pursuant to this Agreement, including,
                  without limitation, Incremental Credits and Performance
                  Credits, PwCES may, at its option, pay that amount to Equifax
                  by giving Equifax a credit against Charges otherwise payable
                  to PwCES.

         e.       Disputed Amounts. If Equifax, in good faith, disputes any
                  Charges regarding the Services, it may withhold any such
                  disputed amounts (except for applicable taxes) from the
                  invoice in the second month following the month in which the
                  dispute arose if the problem giving rise to the dispute has
                  not been resolved to Equifax's reasonable satisfaction by the
                  time payment on such invoice is due. Upon request, Equifax
                  shall pay the withheld amounts into an interest-bearing escrow
                  account. In accordance with the resolution of the Dispute,
                  Equifax shall pay to PwCES withheld amounts, plus interest
                  accrued on such withheld amounts, and the escrow agent shall
                  release the withheld amounts to the parties. Regardless of any
                  Dispute, Equifax shall remit to PwCES the invoiced amount
                  minus the disputed amount.

4.05     Taxes.

         a.       Inclusive Taxes. The Charges are inclusive of any sales, use,
                  gross receipts or value added, withholding, ad valorem or
                  other taxes based on or measured by PwCES's cost in acquiring
                  equipment, materials, supplies or services used by PwCES in
                  providing the Services. Further, each party shall bear sole
                  responsibility for any real or personal property taxes on any
                  property it owns or leases, for franchise or similar taxes on
                  its business, for employment taxes on its employees and for
                  taxes on its net income.

         b.       Additional. Except as set forth in Section 4.05a, if a sales,
                  use, privilege, value added, excise, services or
<PAGE>

                  similar tax is assessed on the provision of the Services by
                  PwCES to Equifax on PwCES's Charges to Equifax under this
                  Agreement, however levied or assessed, Equifax shall be
                  responsible for and pay the amount of any such tax. There will
                  be added to any Charges hereunder, and Equifax shall pay to
                  PwCES, amounts equal to any such taxes, however designated or
                  levied, based upon such Charges, or upon this Agreement or any
                  Services or items provided hereunder, or their use, and any
                  such taxes or amounts in lieu thereof paid or payable by PwCES
                  in respect of the foregoing. PwCES shall set forth in invoices
                  provided to Equifax those Services that are subject to tax.

         c.       Cooperation. The parties shall cooperate reasonably with each
                  other to determine accurately each party's tax liability and
                  to minimize such liability to the extent legally permissible.
                  To substantiate any claimed exemptions, Equifax shall supply
                  to PwCES the appropriate exemption or resale certificates.

4.06     Verification of Assumptions. The Charges, Services and Service Levels
         are based on Assumptions derived in part from information provided by
         Equifax to PwCES. Equifax shall be responsible for the accuracy of any
         representations it made as part of the due diligence and negotiation
         process and on which the Assumptions are based. In the event of any
         material deviation from these representations during the Transition
         Period, or during the first twelve (12) months after the Commencement
         Date with respect to those Services or components of Services not
         delivered during the Transition Period, the parties shall negotiate in
         good faith to define and mutually agree upon adjustments that shall be
         consistent with the intent of the parties. Any such agreed adjustment
         shall be set forth in a Change Order.

4.07     Significant Business Changes and Additional Business Units.

         a.       Business Changes. Subject to any minimum revenue commitments
                  set forth in Exhibit 1, in the event that the Continuing
                  Services fall outside of the Threshold Limits for the period
                  of time set forth in Exhibit 1, Equifax and PwCES shall
                  negotiate and mutually agree upon an appropriate adjustment to
                  the Charges, pursuant to Exhibit 1.

         b.       Changes in Business Units. The parties may agree to add new
                  Affiliates of Equifax to this Agreement. Equifax shall share
                  information with PwCES to allow PwCES to determine the level
                  of resources that will be required to meet Equifax's needs
                  with respect to such new Affiliates. PwCES and Equifax shall
                  negotiate (i) a Change Order to accommodate the addition of
                  any new Affiliates to this Agreement or (ii) a Change Order to
                  accommodate the removal of an Affiliate from this Agreement.
                  If Equifax sells an Affiliate to a third party, Equifax may
                  remove such Affiliate from this Agreement, subject to an
                  appropriate reduction of the minimum revenue commitments set
                  forth in Exhibit 1; provided, however, such reduction shall
                  not be made if such Affiliate continues to purchase the
                  Services from PwCES after its removal. If Equifax sells an
                  Affiliate to a third party that desires to have PwCES continue
                  to provide services similar to the Services, PwCES shall
                  negotiate in good faith to provide services similar to the
                  Services to such Affiliate on a basis substantially comparable
                  to the basis on which PwCES provides Services to Equifax,
                  provided there would be (x) in PwCES's reasonable discretion
                  based on PwCES's due diligence review of such Affiliate, no
                  potential material adverse risk to PwCES in providing such
                  services or (y) no Impairment of Independence. If such
                  Affiliate continues to purchase the Services from PwCES after
                  its removal, the Charges paid by such Affiliate shall count
                  towards the minimum revenue commitments set forth in Exhibit
                  1.

4.08     Insecurity and Adequate Assurances. If Equifax fails to make payments
         due hereunder in a timely manner, PwCES may demand adequate assurances
         in writing of Equifax's ability to meet its payment obligations under
         this Agreement. Unless Equifax provides the assurances within thirty
         (30) days and in a manner acceptable to PwCES, Equifax shall pay to
         PwCES a security deposit equal to three (3) months' aggregate Charges.

4.09     Most Favored Customer. If PwCES or any of its Affiliates provides any
         services in the Territory to a third party from the same facilities as
         Services are provided to Equifax that are comparable to the Services in
         scope and complexity, for a similar or shorter duration and for similar
         or lesser volumes (collectively, "Comparable Services"), on terms and
         conditions in the aggregate that would be more favorable to Equifax
         than those contained herein, then PwCES shall give prompt written
         notice thereof to Equifax and Equifax shall have the option to replace
         all of the terms and conditions of this Agreement with all such more
         favorable terms. On each anniversary of the Initial Commencement Date
         and at such other times as Equifax may request (based on Equifax's
         reasonable belief that PwCES has an obligation under this Section),
         PwCES shall deliver to Equifax a certificate duly executed by an
         appropriate executive of PwCES, certifying that, as of the date of such
         certificate, and at all times since the date of the last certification
         pursuant to this Section (or since the Initial Commencement Date if
         there has been no prior certification), stating that PwCES is and has
         been in
<PAGE>

         compliance with this Section. If the parties are unable to agree as to
         PwCES's compliance with the requirements of this Section or, as to the
         appropriate means to effectuate this Section, then such issue shall be
         determined pursuant to the Dispute Resolution Process. The parties
         acknowledge and agree that the provisions of this Section have been
         included in this Agreement to induce Equifax to agree to the
         exclusivity provisions of this Agreement, and that they are intended to
         ensure that the Services are provided to Equifax on terms and
         conditions granted by PwCES and its Affiliates to its most favored
         customers obtaining Comparable Services in the Territory.

                                ARTICLE 5. AUDITS

5.01     Audit of Charges. Upon not less than thirty (30) days prior written
         notice, and no more than one (1) time during any calendar year during
         the term of this Agreement, PwCES shall provide to Equifax access to
         PwCES's financial records and supporting documentation necessary to
         verify PwCES's invoices to Equifax (including, without limitation,
         expenses). Equifax shall bear the costs of any such audit. In the event
         the audit results in a determination that PwCES has undercharged
         Equifax, then the amount of such undercharge shall be treated, for
         invoicing and payment purposes, as an adjustment in arrears for the
         month in which the undercharge is discovered or in the month in which
         the final resolution occurs. In the event the audit results in a
         determination that PwCES has overcharged Equifax, then the amount of
         such overcharge (plus interest) shall be treated, for invoicing and
         payment purposes, as a credit in arrears for the month in which the
         overcharge is discovered or in the month in which the final resolution
         occurs. If the amount of the overcharge is equal to or exceeds five
         percent (5%) of the total amount of the Charges for the calendar year
         in which the audit occurs, PwCES shall reimburse Equifax for the
         reasonable costs of the audit.

5.02     Audit of Services. Upon not less than thirty (30) days prior written
         notice, or such notice as may be reasonable under the circumstances,
         and during regular business hours, PwCES will make available to
         Equifax's financial management, external auditors, examiners and
         regulators and their designees such books, records, information and
         documentation of internal controls relating to Equifax and maintained
         by PwCES in the normal course of processing Equifax's transactions.
         Copies of requested information shall not be unreasonably withheld but
         at all times are subject to the approval of Equifax's representatives
         having authority to release such information to interested parties.
         Analyses, documentation and other information not maintained by PwCES
         in the normal course of providing Services will be prepared by PwCES
         for use in the audit or examination process as an Additional Service.

5.03     Equifax Internal Audit. Equifax's internal auditors shall have the
         right, without notice, and during regular business hours, to request
         access to Equifax books, records, information and documentation of
         internal controls relating to Equifax and maintained by PwCES in the
         normal course of processing Equifax's transactions and access to all
         personnel providing the Services. Equifax shall use reasonable judgment
         in requesting such books, records, information and documentation and
         shall not unduly disrupt the operation of PwCES's business. PwCES shall
         cooperate reasonably and in good faith with (i) Equifax's review of the
         administration of the benefit plans covered by Exhibit 2, including
         compliance with the documents governing such plans and compliance with
         applicable laws, rules and regulations and (ii) remedial actions
         determined by Equifax to be required in connection therewith. Analyses,
         documentation and other information not maintained by PwCES in the
         normal course of providing Services will be prepared by PwCES for use
         in the audit, examination process, review and remediation as an
         Additional Service.

5.04     PwCES Internal Audit. If, as a result of an internal audit conducted by
         PwCES, at its own expense, PwCES determines that it has undercharged
         Equifax (including, without limitation, Base Charges, Incremental
         Charges and expenses), then the amount of such undercharge shall be
         treated, for invoicing and payment purposes, as an adjustment in
         arrears for the month in which the undercharge is discovered or the
         month in which the final resolution occurs. In the event the audit
         results in a determination that PwCES has overcharged Equifax, then the
         amount of such overcharge shall be treated, for invoicing and payment
         purposes, as a credit in arrears for the month in which the overcharge
         is discovered or in the month in which the final resolution occurs.

5.05     PwCES Audit of Equifax. Upon not less than thirty (30) days prior
         written notice, and no more than one (1) time during any calendar year
         during the term of this Agreement, Equifax shall provide to PwCES
         access to Equifax's financial records and supporting documentation
         necessary to verify the credits or reimbursements given to Equifax by
         PwCES. PwCES shall bear the costs for any such audit. In the event the
         audit results in a determination that such credits or reimbursements
         were incorrect, then such incorrect amount shall be corrected
         appropriately in arrears for the month in which such incorrect amount
         is discovered or in the month in which the final resolution occurs.

5.06     Equifax Security Audit of PwCES. During the term of this Agreement,
         PwCES shall provide to Equifax access to PwCES's facilities so that
         Equifax can ensure PwCES's compliance with the confidentiality
         provisions set forth in
<PAGE>

         Article 9. In the event the audit results in a determination that PwCES
         is not in full compliance with such provisions, the parties will meet
         and agree upon the steps PwCES must take to bring it into full
         compliance and PwCES shall promptly take such steps. For each audit
         after the second such audit in a calendar year during the term of this
         Agreement, Equifax shall reimburse PwCES for the reasonable costs, if
         any, PwCES incurs in providing such access. Any audit pursuant to this
         Section that reveals a material non-compliance with Article 9 shall be
         deemed not to have occurred for purposes of the preceding sentence of
         this Section.

                    ARTICLE 6. MANAGEMENT AND HUMAN RESOURCES

6.01     PwCES Account Executive. PwCES shall designate, prior to the Initial
         Commencement Date, a PwCES Account Executive to whom all of Equifax's
         communications shall be addressed and who has the authority to act for
         and bind PwCES and its contractors in connection with all aspects of
         this Agreement.

         a.       Selection. Before assigning an individual to the position of
                  Account Executive, whether the person is initially assigned or
                  subsequently assigned, PwCES shall:

                  (i)   notify Equifax of the proposed assignment for Equifax's
                        approval;

                  (ii)  introduce the individual to appropriate Equifax
                        representatives; and

                  (iii) consistent with law and PwCES's reasonable personnel
                        practices, provide Equifax with any other information
                        about the individual that is reasonably requested.

         b.       Term. PwCES shall cause the person assigned to the position of
                  Account Executive to devote substantial time and effort to the
                  provision of the Services under this Agreement. PwCES shall
                  use commercially reasonable efforts to maintain the PwCES
                  Account Executive at PwCES for the minimum term of twenty four
                  (24) months during the first twenty four (24) months after the
                  Initial Commencement Date and twelve (12) months thereafter,
                  unless such Account Executive (i) voluntarily resigns from
                  PwCES, (ii) is dismissed by PwCES for (a) misconduct or (b)
                  unsatisfactory performance in respect of his or her duties and
                  responsibilities to Equifax or PwCES, (iii) is unable to work
                  due to his or her death, injury or disability or (iv) is
                  reassigned because of personal requirements. PwCES shall not
                  reassign the Account Executive during the foregoing minimum
                  terms except for personal requirements not related to career
                  development. Whenever possible, PwCES shall give Equifax at
                  least sixty (60) days advance notice of a change of the
                  Account Executive or if such sixty (60) days notice is not
                  possible, the longest notice otherwise possible.

         c.       Removal. In the event that Equifax reasonably and in good
                  faith determines that it is not in the best interests of
                  Equifax for the PwCES Account Executive to continue in his or
                  her capacity, then Equifax shall give PwCES written notice
                  specifying the reasons for its position and requesting that
                  the Account Executive be replaced. PwCES shall immediately
                  investigate the matters stated in such notice and, if it
                  determines that Equifax's concerns are reasonable and not
                  unlawful, PwCES shall replace the Account Executive in
                  accordance with Section 6.01a.

6.02     Equifax Account Executive. Equifax shall designate, prior to the
         Initial Commencement Date, an Equifax Account Executive to whom all of
         PwCES's communications shall be addressed and who has the authority to
         act for and bind Equifax and its contractors in connection with all
         aspects of this Agreement.

         a.       Selection. Before assigning an individual to the position of
                  Account Executive, whether the person is initially assigned or
                  subsequently assigned, Equifax shall:

                  (i)   notify PwCES of the proposed assignment for PwCES's
                        approval;

                  (ii)  introduce the individual to appropriate PwCES
                        representatives; and

                  (iii) consistent with law and Equifax's reasonable personnel
                        practices, provide PwCES with any other information
                        about the individual that is reasonably requested.

         b.       Term. Equifax shall cause the person assigned to the position
                  of Account Executive to devote substantial time
<PAGE>

                  and effort to the management of Equifax's responsibilities
                  under this Agreement. Equifax shall use commercially
                  reasonable efforts to maintain the Equifax Account Executive
                  at Equifax for the minimum term of twenty four (24) months
                  during the first twenty four (24) months after the Initial
                  Commencement Date and twelve (12) months thereafter, unless
                  such Account Executive (i) voluntarily resigns from Equifax,
                  (ii) is dismissed by Equifax for (a) misconduct or (b)
                  unsatisfactory performance in respect of his or her duties and
                  responsibilities to Equifax or PwCES, (iii) is unable to work
                  due to his or her death, injury or disability or (iv) is
                  reassigned because of personal requirements. Equifax shall not
                  reassign the Account Executive during the foregoing minimum
                  terms except for personal requirements not related to career
                  development. Whenever possible, Equifax shall give PwCES at
                  least sixty (60) days advance notice of a change of the
                  Account Executive or if such sixty (60) days notice is not
                  possible, the longest notice otherwise possible.

         c.       Removal. In the event that PwCES reasonably and in good faith
                  determines that it is not in the best interests of PwCES for
                  the Equifax Account Executive to continue in his or her
                  capacity, then PwCES shall give Equifax written notice
                  specifying the reasons for its position and requesting that
                  the Account Executive be replaced. Equifax shall immediately
                  investigate the matters stated in such notice and, if it
                  determines that PwCES's concerns are reasonable and not
                  unlawful, Equifax shall replace the Account Executive in
                  accordance with Section 6.02a.

6.03     Services Oversight Committee. Within fifteen (15) days after the
         Initial Commencement Date, Equifax shall appoint three (3) members of
         Equifax's management staff, including the Equifax Account Executive,
         and PwCES shall appoint three (3) members of PwCES's management staff,
         including the PwCES Account Executive, to serve on the Services
         Oversight Committee. For the first twelve (12) months after the Initial
         Commencement Date, one of the PwCES members shall act as the chairman
         of the Services Oversight Committee; each twelve (12) months thereafter
         the parties shall alternate selecting the chairman. The Services
         Oversight Committee shall be authorized and responsible for (i)
         generally overseeing the performance of this Agreement and (ii)
         monitoring and resolving Disputes in accordance with Article 12.

6.04     Equifax Selected Employees' Employment with PwCES. PwCES shall offer to
         hire those Equifax Selected Employees who (i) are actively employed by
         Equifax as of the Commencement Date and (ii) meet such other reasonable
         hiring requirements of PwCES to the satisfaction of PwCES. PwCES shall
         be solely responsible for making such offers of employment to such
         Equifax Selected Employees. PwCES's plan regarding (a) Equifax Selected
         Employees, (b) offers of employment to such Equifax Selected Employees
         and (c) Transitioned Employee benefits is described in the Hiring Plan.

6.05     Right to Terminate and Transfer. PwCES shall have the right, in its
         sole discretion, (i) to terminate any Transitioned Employee or (ii) to
         transfer any Transitioned Employee to an Affiliate of PwCES, subject to
         Section 6.08.

6.06     Employment with PwCES. Equifax shall use reasonable efforts to ensure
         that all of the Equifax Selected Employees to whom PwCES offers
         employment accept such positions with PwCES. In the event that a
         significant number of Equifax Selected Employees offered employment by
         PwCES fail to accept such employment offer, the parties shall negotiate
         in good faith appropriate relief in Charges, Services, Service Levels
         and other obligations under this Agreement pursuant to the Change
         Control Procedures; provided, however, that PwCES shall use diligent
         efforts to mitigate the effects resulting from such event.

6.07     Key Personnel. In the event that the number of Key Personnel set forth
         in Exhibit 6 fail to accept PwCES's employment offer or fail to enter
         into an independent contractor agreement with PwCES, the parties shall
         negotiate in good faith appropriate relief in Charges, Services,
         Service Levels and other obligations under this Agreement pursuant to
         the Change Control Procedures. PwCES shall use diligent efforts to
         mitigate the effects resulting from such event.

6.08     Key PwCES Employees. PwCES shall use reasonable efforts to assign each
         Key PwCES Employee to provide the Services for a minimum term of twelve
         (12) months, unless (i) Equifax consents to the reassignment or
         replacement of such Key PwCES Employee, (ii) reassignment or
         replacement of such Key PwCES Employee will not have a more than minor
         adverse effect on the Services or (iii) such Key PwCES Employee (a)
         voluntarily resigns from PwCES, (b) is dismissed by PwCES for (x)
         misconduct or (y) unsatisfactory performance in respect of his or her
         duties and responsibilities to Equifax or PwCES, (c) is unable to work
         due to his or her death, injury or disability or (d) is reassigned
         because of personal requirements. PwCES shall not reassign Key
         Employees during the foregoing minimum terms except for personal
         requirements not related to career development.
<PAGE>

                       ARTICLE 7. TRADEMARKS AND MARKETING

7.01     Use of Trademarks. For so long as PwCES is in substantial compliance
         with the Service Levels, PwCES shall be permitted to use Equifax's name
         and logos as necessary to market PwCES's services that are similar to
         some or all of the Services, subject to Equifax's right to approve such
         use; provided, however, no approval shall be necessary to the extent
         PwCES is merely using Equifax's name or logos in a list of customers.
         Equifax shall have no rights to use PwCES's or its Affiliate's
         trademarks, service marks or trade names for any purpose without the
         prior approval of PwCES.

7.02     Marketing Cooperation. For so long as PwCES is in substantial
         compliance with the Service Levels, Equifax shall cooperate with PwCES,
         at PwCES's reasonable request and at no charge to PwCES, in marketing
         functions, tasks and projects addressed by the Services to third
         parties. Equifax's cooperation shall be subject to reasonable notice by
         PwCES, Equifax's availability and a lack of more than a minor impact of
         such cooperation on Equifax's business operations. By way of example
         and not limitation, and subject to the foregoing limitations, Equifax
         shall (i) allow and participate in reasonable on-site visits by
         prospective customers (who have entered into appropriate
         confidentiality agreements with Equifax) and (ii) cooperate with PwCES
         in preparing and publishing articles on PwCES's services. Equifax shall
         refer to PwCES all inquiries and opportunities directed to Equifax,
         about which Equifax becomes aware, for PwCES to provide functions,
         tasks and projects addressed by the Services to any third party.

                          ARTICLE 8. PROPRIETARY RIGHTS

8.01     Definitions.

         a.       The term "Materials" means literary works or other works of
                  authorship, such as computer programs, computer program
                  listings, program tools, documentation, reports and drawings,
                  as well as user manuals, charts, graphs and other written
                  documentation and machine-readable text and files, including,
                  without limitation, computer programming code (including
                  source code and object code), in each case used in or
                  initially developed in connection with the Services.

         b.       The term "Derivative Work" means a work based on one or more
                  preexisting works, including, without limitation, a
                  condensation, transformation, expansion or adaptation, that,
                  if prepared without authorization of the owner of the
                  copyright of such preexisting work, would constitute a
                  copyright infringement.

8.02     PwCES Materials. All copyright, patent, trademark and other
         intellectual property rights in the PwCES Software and preexisting
         Materials of PwCES or its Affiliates shall be the property of PwCES or
         its Affiliates, as the case may be. With respect to any Materials
         developed solely by PwCES, its Affiliates or its or their contractors,
         or jointly by Equifax personnel and PwCES, its Affiliates or its or
         their contractors, under this Agreement or in the performance of
         Services, except as otherwise expressly set forth in this Agreement
         (e.g., Additional Services), ownership will be as follows:

         a.       Materials that constitute a Derivative Work for which the
                  preexisting copyright is owned by Equifax, shall be owned by
                  Equifax, and PwCES shall have (i) an irrevocable,
                  nonexclusive, worldwide, paid-up license to access, use,
                  execute, reproduce, display, perform, prepare derivative works
                  of and distribute such Materials only in connection with (a)
                  the Services or (b) services provided to third parties from
                  the facility from which the Services are provided and (ii) the
                  right to sublicense third parties to do any of the foregoing.
                  Such license shall include the Materials of Equifax for which
                  the preexisting copyright is owned by Equifax and upon which
                  such Derivative Work is based, but only to the extent such
                  Materials are embodied in, or necessary for the exercise of
                  the license to, such Derivative Work.

         b.       Materials that constitute a Derivative Work for which the
                  preexisting copyright is owned by PwCES, its contractors or a
                  third party shall, as between PwCES and Equifax, be owned by
                  PwCES, and during the term of this Agreement Equifax shall
                  have (i) an irrevocable, nonexclusive, worldwide, paid-up
                  license to access, use, execute, reproduce, display, perform,
                  prepare derivative works of and distribute such Materials
                  internally within Equifax and its Affiliates solely in
                  connection with the Services and (ii) the right to sublicense
                  third parties to do any of the foregoing.

         c.       Materials that do not constitute a Derivative Work of any
                  Materials owned by Equifax, PwCES or any third party shall be
                  owned by PwCES, and during the term of this Agreement Equifax
                  shall have (i) an irrevocable, nonexclusive, worldwide,
                  paid-up license to access, use, execute, reproduce, display,
                  perform, prepare
<PAGE>

                  derivative works of and distribute such Materials internally
                  within Equifax and its Affiliates solely in connection with
                  the Services and (ii) the right to sublicense third parties to
                  do any of the foregoing; provided, however, with respect to
                  any such Materials developed jointly by Equifax personnel and
                  PwCES, its Affiliates or its or their contractors, PwCES shall
                  not use, for any entity other than Equifax or its Affiliates,
                  any portion of such Materials specific to Equifax operations,
                  procedures or management processes that are Confidential
                  Information of Equifax.

         d.       If, pursuant to a Change Order, Materials are developed by
                  PwCES for use in connection with the Services, at an
                  additional cost to Equifax, then prior to such development,
                  the parties shall mutually agree in writing on the ownership
                  and use of such Materials.

8.03     Equifax Materials. With respect to any Materials that are or have been
         developed (i) solely by Equifax, whether or not developed under this
         Agreement or (ii) for Equifax prior to this Agreement, such Materials
         shall be owned by Equifax, and during the term of this Agreement PwCES
         shall have (a) an irrevocable, nonexclusive, worldwide, paid-up license
         to access, use, execute, reproduce, display, perform, prepare
         derivative works of and distribute such Materials internally within
         PwCES solely in connection with the Services and (b) the right to
         sublicense third parties to do any of the foregoing. With respect to
         those items of Equifax Software designated as "for use by PwCES for
         third parties" on Exhibit 9, the license set forth in the preceding
         sentence shall also include the right to access, use, execute,
         reproduce, display, perform, prepare derivative works of and distribute
         such Equifax Software internally within PwCES in connection with
         services provided to third parties from the facility from which the
         Services are provided and the right to sublicense third parties to do
         any of the foregoing. Each party waives any claims for indemnification
         against the other party with respect to any third party claims that may
         arise from PwCES's use of Equifax Software for third parties pursuant
         to the preceding sentence.

8.04     Derivative Works of PwCES Materials. With respect to any Materials that
         are developed solely by Equifax and that constitute a Derivative Work
         of any Materials for which the preexisting copyright is owned by PwCES
         or its Affiliates, such Materials shall be owned by PwCES or its
         Affiliates, and during the term of this Agreement Equifax shall have
         (i) an irrevocable, nonexclusive, worldwide, paid-up license to access,
         use, execute, reproduce, display, perform, prepare derivative works of
         and distribute such Materials internally within Equifax and its
         Affiliates solely in connection with the Services and (ii) the right to
         sublicense third parties to do any of the foregoing.

8.05     Limitation. Any ownership or license rights herein granted to either
         party are limited by and subject to any intellectual property rights
         (including, without limitation, patents and copyrights) held by, and
         terms and conditions of any license agreements with, applicable vendor
         software providers, excluding PwCES and its Affiliates.

8.06     Assignment. To the extent any of the Materials may not, by operation of
         law, be owned by the party to which ownership has been granted (as
         described in this Article), each party agrees to assign and hereby
         assigns, without further consideration, the ownership of all right,
         title and interest in all United States of America and foreign
         copyrights in such Materials to the other party, and such assignee
         party shall have the right to obtain and hold in its own name
         copyrights, registrations, renewals and all other rights relating or
         pertinent thereto.

8.07     Inventions. The term "Invention" means any idea, concept, know-how or
         technique that either party first conceives or reduces to practice in
         connection with performance of the Services during this Agreement and
         for which a patent application is or could be filed. Inventions will be
         treated as follows:

                  (i)   if made by Equifax personnel, it shall be Equifax
                        property and Equifax grants PwCES a nonexclusive,
                        perpetual, irrevocable, worldwide and paid-up license
                        under such Invention, and under any patent application
                        and patents issued thereon;

                  (ii)  if made by PwCES personnel, it shall be PwCES's property
                        and PwCES grants Equifax a nonexclusive, perpetual,
                        irrevocable, worldwide and paid-up license under such
                        Invention, and under any patent application and patents
                        issued thereon;

                  (iii) if made by PwCES and Equifax personnel jointly (a) it
                        shall be PwCES's property, (b) PwCES grants Equifax a
                        nonexclusive, perpetual irrevocable, worldwide and
                        paid-up license under such Invention, and under any
                        patent application and patents issued thereon, (c) if
                        PwCES intentionally decides not to pay any or all of the
                        required maintenance fees for the patent for such
                        Invention, it shall promptly notify Equifax of its
                        decision and if Equifax elects to pay any such fee,
                        PwCES shall assign such
<PAGE>

                        patent to Equifax and PwCES shall retain a license
                        equivalent to that granted to Equifax pursuant to
                        subsection (b) above, (d) Equifax shall have the right
                        to file for and obtain ownership of patent and other
                        intellectual property rights with respect to such
                        Invention in any territory where Equifax plans to use
                        such Invention if PwCES has not so filed or fails to so
                        file within sixty (60) days of written notice to PwCES
                        and PwCES shall retain a license equivalent to that
                        granted to PwCES pursuant to subsection (c) above and
                        (e) the owner of a patent in a territory shall reimburse
                        the other party with respect to any enforcement or other
                        actions with respect to such patent and shall retain all
                        damages awarded thereon;

                  (iv)  all licenses granted to either party include the right
                        to make, have made, use, have used, import, offer to
                        sell, sell, lease or otherwise transfer any apparatus,
                        or practice and have practiced any method and shall
                        include the right to grant, directly or indirectly,
                        revocable or irrevocable sublicenses to Affiliates of
                        such party; and

                  (v)   nothing contained in this Agreement shall be deemed to
                        grant any license under any patents or patent
                        applications arising out of any other inventions of
                        either party.

8.08     Licenses. To the extent that either PwCES or Equifax licenses any
         Materials of the other party to a third party, each such license shall
         be in writing and shall contain provisions that protect the owning
         party's intellectual property rights in such Materials, including,
         without limitation, confidentiality provisions and provisions that
         appropriately limit the use and number of copies of the Materials.

8.09     Sale of an Affiliate. Equifax may extend to (i) an Affiliate sold or
         otherwise transferred to a third party, (ii) a business unit of Equifax
         or an Affiliate that is sold or otherwise transferred to a third party,
         or (iii) a business unit of Equifax or an Affiliate of Equifax that is
         distributed via a stock dividend or other distribution to the
         stockholders of Equifax (collectively a "Transferred Affiliate"), in
         each case for such Transferred Affiliate's own internal use only, the
         rights in Materials granted to Equifax pursuant to this Article 8;
         provided, however, such Transferred Affiliate must agree in writing to
         be bound by the obligations set forth in this Article 8 and by
         provisions that protect PwCES's intellectual property rights in such
         Materials, including, without limitation, confidentiality provisions
         and provisions that appropriately limit the use (by or for such
         Transferred Affiliate only) and number of copies of such Materials and
         provided further that PwCES had provided Services to such Affiliate or
         business unit.

                       ARTICLE 9. CONFIDENTIALITY AND DATA

9.01     Confidential Information. The term "Confidential Information" means the
         terms and conditions of this Agreement and all information, data,
         knowledge and know-how (in whatever form and however communicated)
         relating directly or indirectly to the disclosing party (or to its
         Affiliates or contractors, or to its or their businesses, operations,
         properties, products, markets or financial positions) that is delivered
         or disclosed by such party or any of its officers, directors, partners,
         members, employees, agents, Affiliates or shareholders to the other
         party in writing, electronically, orally or through visual means, or
         that such party learns or obtains aurally, through observation or
         analyses, interpretations, compilations, studies or evaluations of such
         information, data, knowledge or know-how. All information that
         qualified as Confidential Information pursuant to the Confidentiality
         Agreement dated June 25, 1998 by and between PwCES and Equifax shall be
         deemed Confidential Information under this Agreement.

9.02     Ownership. All Equifax Data shall be owned by Equifax. Without limiting
         the foregoing, Equifax may use the Equifax Data in any manner, and may
         provide the Equifax Data to third parties. PwCES shall not use the
         Equifax Data except in connection with the provision of the Services,
         and shall not disclose, sell, assign, lease or otherwise provide the
         Equifax Data to third parties, except as specifically permitted by
         Equifax in writing or as necessary to perform the Services. Upon
         request of Equifax, and at any time during the term of this Agreement,
         and upon expiration or termination of this Agreement for any reason,
         PwCES shall promptly provide copies of all or any part of the Equifax
         Data to Equifax, in the form or format and on the media requested by
         Equifax; provided, however, that Equifax shall reimburse PwCES for its
         costs to provide the Equifax Data in a form or format not then being
         currently used by PwCES to provide the Services. Upon expiration or
         termination of this Agreement, and completion of all Termination
         Services, PwCES shall destroy, and cause all of its contractors, agents
         and Affiliates to destroy, all copies of the Equifax Data, and the
         Account Executive of PwCES shall certify the same to Equifax in
         writing.

9.03     Loss of Status. Confidential Information shall not include information,
         data, knowledge and know-how, as shown by written records, that (i) is
         known to the receiving party prior to disclosure to such party, (ii) is
         in the public domain prior
<PAGE>

         to disclosure to such party, (iii) enters the public domain through no
         violation of this Agreement after disclosure to such party, (iv) such
         party receives from a third party not under obligation of
         confidentiality to the disclosing party or (v) the receiving party
         independently develops without reliance on Confidential Information.

9.04     Limited Use and Access. Each party shall keep in confidence and prevent
         the unauthorized duplication, use and disclosure of Confidential
         Information. Confidential Information may only be used for furthering
         the purposes of this Agreement and providing the Services hereunder.
         Each party shall, upon expiration or termination of this Agreement or
         otherwise upon demand, at the other party's option, either return to
         the other party or destroy and certify in writing to the other party
         the destruction of any and all documents (the term "document," as used
         in this Article, shall include, without limitation, any writing,
         instrument, agreement, letter, memorandum, chart, graph, blueprint,
         photograph, financial statement or data, telex, facsimile, cable, tape,
         disk or other electronic, digital, magnetic, laser or other recording
         or image in whatever form or medium), papers and materials and notes
         thereon in each party's possession, including copies or reproductions
         thereof, to the extent they contain Confidential Information of the
         party; provided, however, the foregoing shall not apply to Confidential
         Information to the extent it is a part of any license or other ongoing
         agreement between the parties following termination or expiration of
         this Agreement or that survives the termination or expiration of this
         Agreement. In addition, each party shall be entitled to retain one copy
         of the other party's Confidential Information in such party's legal
         files solely for purposes of resolving Disputes. Each party agrees that
         it will protect the confidentiality of Confidential Information through
         the exercise of the same procedures that it uses in preserving and
         safeguarding its own proprietary information, which procedures shall at
         a minimum constitute reasonable care. Each party will limit access to
         Confidential Information to only those of its employees, agents and
         contractors having a need-to-know in connection with this Agreement.
         When a party discloses Confidential Information to any of its
         employees, agents or contractors, such party will inform them of the
         restrictions on duplication, use and disclosure to third parties.

9.05     Proper Disclosures. Subject to Section 9.04, each party shall keep the
         Confidential Information confidential and shall not disclose such
         information to any third party without the prior written approval of
         the other party, except that (i) PwCES may disclose general information
         relating to the scope of Services and the duration of this Agreement to
         potential buyers of PwCES and persons or entities engaged in the
         valuation of PwCES and may disclose information as agreed upon by the
         parties to potential clients, (ii) Equifax may disclose general
         information relating to the scope of Services and the duration of this
         Agreement to potential buyers of Equifax or any one or more Affiliates
         of Equifax, (iii) PwCES may disclose the terms and conditions of this
         Agreement as necessary to comply with most favored customer provisions
         in agreements with other customers of services similar to the Services,
         (iv) either party may disclose the provisions of this Agreement to
         bankers and other financial institutions in the ordinary course of
         business and (v) either party may disclose the provisions of this
         Agreement to the extent required by any applicable law, regulation or
         rules of any stock exchange. The party disclosing the other party's
         Confidential Information (except pursuant to (v)) to a third party
         shall require the third party to enter into a confidentiality agreement
         protecting such Confidential Information.

9.06     Injunctive Relief. Each party acknowledges that the other party may
         suffer irreparable damage in the event of a breach or threatened breach
         of any provision of this Article. Accordingly, in such an event,
         notwithstanding Articles 12 and 13, such party shall be entitled to
         preliminary and final injunctive relief, as well as any and all other
         applicable remedies at law or equity, including the recovery of
         damages.

9.07     No License. The parties acknowledge and agree that (i) each party
         maintains that the Confidential Information contains valuable trade
         secrets and (ii) all rights to Confidential Information are reserved by
         the disclosing party. No license, express or implied, by estoppel or
         otherwise, under any trade secret right, trademark, patent, copyright
         or other proprietary right or applications that are now or may
         hereafter be owned by a party, is granted by the disclosure of
         Confidential Information under this Agreement.

9.08     Residual Information. The receiving party and its Affiliates shall be
         free to use the residuals of such Confidential Information provided by
         the disclosing party for any purpose, including, without limitation,
         use in the development, manufacturing, marketing and maintenance of its
         products and services subject only to its obligations with respect to
         disclosure set forth herein and any copyrights and patents of the
         disclosing party. The term "residuals" means information in
         non-tangible form that may be retained in the unaided memories of those
         employees who have had access to the Confidential Information of the
         other party during the term of this Agreement. The receiving party and
         its Affiliates may use the documents and other tangible materials
         containing the Confidential Information of the disclosing party only
         for the purposes of this Agreement. It is understood that receipt of
         Confidential Information under this Agreement shall not create any
         obligation in any way limiting or restricting the assignment or
         reassignment of PwCES's
<PAGE>

         employees within PwCES or its Affiliates and Equifax's employees within
         Equifax or its Affiliates.

                              ARTICLE 10. COVENANTS

10.01    Non-Solicitation. Except as otherwise expressly provided in this
         Agreement, including, without limitation on Exhibit 11, or with PwCES's
         written consent, during the term of this Agreement and for two (2)
         years after the later of the cessation of Termination Services and the
         date of termination or expiration, Equifax agrees not to solicit or
         hire any of PwCES's, or its Affiliates' and contractors', partners,
         employees and agents that become known to Equifax as a result of
         Services provided under this Agreement. Except as otherwise expressly
         provided in this Agreement or with Equifax's written consent, during
         the term of this Agreement and for two (2) years after termination or
         expiration of this Agreement, PwCES agrees not to solicit or hire any
         of Equifax's, or its Affiliates' and contractors', partners, employees
         and agents that become known to PwCES as a result of providing Services
         under this Agreement. Notwithstanding the foregoing, either party may
         at any time hire any contractor, partner, employee or agent of the
         other party that responds to a general solicitation to the public.

10.02    Cooperation. During the term of this Agreement, each party shall
         provide to the other party reasonable cooperation and assistance in
         connection with its performance of its obligations under this
         Agreement.

                   ARTICLE 11. REPRESENTATIONS AND WARRANTIES

11.01    By Equifax.  Equifax represents and warrants to PwCES as follows:

         a.       Authority. Equifax (i) is a corporation duly incorporated,
                  validly existing and in good standing under the laws of
                  Georgia, (ii) has full corporate power to own, lease, license
                  and operate its properties and assets, to conduct its business
                  as currently conducted and to enter into this Agreement and to
                  consummate the transactions contemplated hereby and (iii) has
                  the ability and authority to cause its Affiliates to be bound
                  by the terms and conditions of this Agreement.

         b.       Authorized Agreement. This Agreement has been duly authorized,
                  executed and delivered by Equifax and constitutes a valid and
                  binding agreement of Equifax, enforceable against Equifax in
                  accordance with the terms of this Agreement.

         c.       No Default. Neither the execution and delivery of this
                  Agreement by Equifax, nor the consummation of the transactions
                  contemplated hereby, shall result in the breach of any term or
                  provision of, or constitute a default under, any charter
                  provision or bylaw, agreement (subject to any applicable
                  consent), order, law, rule or regulation to which Equifax is a
                  party or which is otherwise applicable to Equifax, except for
                  a breach or default under any agreement, order, law, rule or
                  regulation that would not have a more than minor adverse
                  effect upon Equifax's ability to perform its obligations under
                  this Agreement.

         d.       Agreements and Software. Subject to the receipt of any
                  required consents or approvals, (i) the Equifax Software and
                  the rights PwCES shall obtain under the Transferred Agreements
                  constitute all the software and rights that Equifax used prior
                  to the Commencement Date to perform for itself the tasks,
                  functions and projects addressed by the Services (except for
                  software and rights that PwCES has elected not to acquire from
                  Equifax) and (ii) Equifax has the right and authority to
                  assign, license or sublicense the Equifax Software and
                  Transferred Agreements to PwCES, except where any failure of
                  the foregoing will not prevent PwCES from performing
                  substantially in accordance with this Agreement or will
                  increase PwCES's cost to provide the Services.

         e.       Assets. The Transferred Assets shall be free of liens and
                  encumbrances.

         f.       No Infringement. The Equifax Software owned by Equifax and
                  Equifax-created modifications or derivative works of Equifax
                  Software licensed by Equifax do not infringe, violate or
                  misappropriate any patent, copyright, trademark, trade secret
                  or other proprietary right of any third party.

         g.       Third Party Agreements. All of Equifax's obligations with
                  respect to the Third Party Agreements accruing prior to or
                  attributable to periods prior to the Commencement Date have
                  been or will be satisfied in accordance with their terms.
<PAGE>

11.02    By PwCES.  PwCES represents and warrants to Equifax as follows:

         a.       Authority. PwCES (i) is a limited liability company, duly
                  organized, validly existing and in good standing under the
                  laws of Delaware, (ii) has full power to own, lease, license
                  and operate its properties and assets, to conduct its business
                  as currently conducted and to enter into this Agreement and to
                  consummate the transactions contemplated hereby and (iii) has
                  the ability and authority to cause its Affiliates to be bound
                  by the terms and conditions of this Agreement.

         b.       Authorized Agreement. This Agreement has been duly authorized,
                  executed and delivered by PwCES and constitutes a valid and
                  binding agreement of PwCES, enforceable against PwCES in
                  accordance with the terms of this Agreement.

         c.       No Default. Neither the execution and delivery of this
                  Agreement by PwCES, nor the consummation of the transactions
                  contemplated hereby, shall result in the breach of any term or
                  provision of, or constitute a default under, any charter
                  provision or bylaw, agreement (subject to any applicable
                  consent), order, law, rule or regulation to which PwCES is a
                  party or that is otherwise applicable to PwCES, except for a
                  breach or default under any agreement, order, law, rule or
                  regulation that would not have a more than minor adverse
                  effect upon PwCES's ability to perform its obligations under
                  this Agreement.

         d.       No Infringement. The PwCES Software does not infringe, violate
                  or misappropriate any patent, copyright, trademark, trade
                  secret or other proprietary right of any third party.

         e.       Services. PwCES shall render Services using personnel that are
                  qualified and shall render Services consistent with good
                  commercial practice in PwCES's industry.

11.03    By PwC.  PwC represents and warrants to Equifax as follows:

         a.       Authority. PwC (i) is a limited liability partnership, duly
                  organized, validly existing and in good standing under the
                  laws of Delaware, (ii) has full power to own, lease, license
                  and operate its properties and assets, to conduct its business
                  as currently conducted and to enter into this Agreement and to
                  consummate the transactions contemplated hereby and (iii) has
                  the ability and authority to cause its Affiliates to be bound
                  by the terms and conditions of this Agreement.

         b.       Authorized Agreement. This Agreement has been duly authorized,
                  executed and delivered by PwC and constitutes a valid and
                  binding agreement of PwC, enforceable against PwC in
                  accordance with the terms of this Agreement.

         c.       No Default. Neither the execution and delivery of this
                  Agreement by PwC, nor the consummation of the transactions
                  contemplated hereby, shall result in the breach of any term or
                  provision of, or constitute a default under, any charter
                  provision or bylaw, agreement (subject to any applicable
                  consent), order, law, rule or regulation to which PwC is a
                  party or that is otherwise applicable to PwC, except for a
                  breach or default under any agreement, order, law, rule or
                  regulation that would not have a more than minor adverse
                  effect upon PwC's ability to perform its obligations under
                  this Agreement.

11.04    DISCLAIMER OF WARRANTIES. EXCEPT AS EXPRESSLY SET FORTH IN THIS
         AGREEMENT, NEITHER PARTY MAKES ANY WARRANTIES AND SPECIFICALLY
         DISCLAIMS ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT
         LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A
         PARTICULAR PURPOSE.

                         ARTICLE 12. DISPUTE RESOLUTION

12.01    Account Executives. All Disputes shall be referred to the Account
         Executives prior to escalation to the Services Oversight Committee. If
         the Account Executives are unable to resolve, or do not anticipate
         resolving, the Dispute within ten (10) days after referral of the
         Dispute to them, the parties shall submit the Dispute to the Services
         Oversight Committee.

12.02    Services Oversight Committee. The Services Oversight Committee shall
         meet at least once every sixty (60) days during the term of this
         Agreement or at such other time as either party may designate upon
         notice to the other party for the
<PAGE>

         purposes of monitoring the parties' performance under this Agreement
         and of resolving Disputes that may arise under this Agreement. The
         Services Oversight Committee shall consider Disputes in the order such
         Disputes are brought before it. In the event the Services Oversight
         Committee is unable to resolve a Dispute within fifteen (15) days of
         the date of the first meeting during which such Dispute was considered,
         the Services Oversight Committee shall notify the senior executive
         selected by each party pursuant to Section 12.03. No Dispute under this
         Agreement shall be the subject of arbitration or other formal
         proceedings between Equifax and PwCES before being considered by the
         Services Oversight Committee and senior management, pursuant to Section
         12.03, except for an action to seek injunctive relief to stay a breach
         of this Agreement.

12.03    Senior Management. Either party may, upon receipt of a notice from the
         Services Oversight Committee pursuant to Section 12.02, elect to
         utilize a non-binding dispute resolution procedure whereby each
         presents its case at a hearing before a panel consisting of one (1)
         senior executive of each of the parties. If a party elects to use the
         procedure set forth in this Section, the other party shall participate.
         The hearing shall occur within ten (10) business days after a party
         serves notice to use the procedure set forth in this Section. Each
         party may be represented at the hearing by lawyers. If the matter
         cannot be resolved at the hearing, each party's only recourse shall be
         binding arbitration as provided in Article 13 and the proceedings
         occurring pursuant to this Section shall be without prejudice to the
         legal position of either party. Except as provided in Section 12.04, no
         arbitration may commence concerning the Dispute until thirty (30)
         business days have elapsed from the first day of the hearing under this
         Section. Each party shall bear its respective costs incurred in
         connection with the procedure set forth in this Section, except that
         the parties shall share equally in the cost of the facility for the
         hearing.

12.04    Expedited Resolution. If a Dispute arises because Equifax believes that
         Critical Service Levels are not being met or that such Dispute relates
         to (i) matters that materially and adversely impact its business
         operations or (ii) compliance with applicable laws, and either party
         initiates the dispute resolution provisions set forth in Articles 12
         and 13 for such Dispute, the time period set forth in Section 12.01
         shall be changed to twenty-four (24) hours and either party may elect
         to bypass the Services Oversight Committee as provided in Section 12.02
         and refer the Dispute directly from the Account Executives to senior
         management as provided in Section 12.03, and the thirty (30) business
         day period in Section 12.03 shall be reduced to fifteen (15) days.
         Except as expressly modified by this Section 12.04, all other
         provisions of Articles 12 and 13 shall apply to a Dispute.

                             ARTICLE 13. ARBITRATION

13.01    Panel. The arbitration shall be heard and determined by a panel of
         three (3) persons. Each party shall have the right to designate one (1)
         member of the panel. Such members shall select a third member of the
         panel. The party demanding arbitration shall communicate its demand
         therefore in writing, identifying the nature of the Dispute and the
         name of its arbitrator, to the other party. The other party shall then
         be bound to name, in writing, its arbitrator within twenty (20) days
         after receipt of such demand. Failure or refusal of the other party to
         name its arbitrator within the twenty (20) day time period shall
         empower the demanding party to name the second arbitrator as well. If
         the two (2) arbitrators are unable to agree upon a third arbitrator
         within twenty (20) days after the second arbitrator is named, the
         American Arbitration Association ("AAA") shall appoint a third
         arbitrator from candidates submitted by both parties.

13.02    AAA. The commercial rules of the AAA shall apply to any arbitration
         under this Agreement, except to the extent the provisions of this
         Article vary therefrom.

13.03    Decisions. Decisions of the panel shall be made by majority vote. The
         panel is empowered to render awards enjoining a party from performing
         any act prohibited or compelling a party to perform any act directed by
         this Agreement. The panel may not award punitive damages.

13.04    Interim Orders. The panel may issue such interim orders in accord with
         principles of equity as may be necessary to protect any party from
         irreparable harm during the pendency of any arbitration before it. Any
         such order shall be without prejudice to the final determination of the
         controversy.

13.05    Location. The proceeding before the panel shall be held in Atlanta,
         Georgia, or as otherwise agreed upon by the parties.

13.06    Expedited Schedule. The arbitration shall be conducted on an expedited
         schedule. Unless otherwise agreed by the parties, the parties shall
         make their initial submissions to the panel and the hearing shall
         commence within thirty (30) days of the initiation of proceedings. The
         hearing shall be completed within twenty (20) days thereafter.
<PAGE>

13.07    Prompt Award. The award shall be made promptly by the panel, and,
         unless agreed by the parties, no later than thirty (30) days from the
         closing of the hearing. Any failure to render the award within the
         foregoing time period shall not affect the validity of such award.

13.08    Discovery. The parties shall be entitled to discovery of all documents
         and information reasonably necessary for a full understanding of any
         Dispute raised in the arbitration relating to this Agreement. The
         parties may use all methods of discovery available under the Federal
         Rules of Civil Procedure, including, without limitation, depositions,
         requests for admission and requests for production of documents. The
         time periods applied to these discovery methods shall be set by the
         panel so as to permit compliance with the scheduling provisions of this
         Article.

13.09    Binding Decisions. The decision or award rendered or made in connection
         with the arbitration shall be final and binding upon the parties
         thereto. The prevailing party may present the decision or award to any
         court of competent jurisdiction for confirmation pursuant to the
         provisions of the Federal Arbitration Act, 9 U.S.C.ss.ss.1-14, and such
         court shall enter forthwith an order confirming such decision or award.

                         ARTICLE 14. YEAR 2000 AND EURO

14.01    Year 2000 Background. Equifax acknowledges that, because of programming
         assumptions previously made in the computer industry, certain existing
         and future computer programs (including, without limitation,
         applications, utilities and operating systems software), databases and
         documentation for such programs and databases may not perform as
         originally designed with respect to date data processing as the Year
         2000 draws closer and beyond.

14.02    Year 2000 Disclaimer. Equifax recognizes that it is responsible for the
         resolution of any Year 2000 problem that is the result of software,
         systems, equipment or other items or materials made available to PwCES
         to provide the Services. Except as expressly provided in this Agreement
         or in a Change Order, PwCES is not providing any Year 2000 services
         (for example, Year 2000 assessment, conversion or testing) under this
         Agreement. PwCES shall not be responsible for a failure to perform the
         Services under this Agreement, if such failure is the result, directly
         or indirectly, of (i) the inability of any products (for example,
         hardware, software or firmware) other than the PwCES Products ("Other
         Products") to correctly process, provide or receive date data (i.e.,
         representations for month, day and year) and to properly exchange date
         data with the PwCES Products or deliverables provided by PwCES under
         this Agreement or (ii) modifications made by Equifax, its employees or
         any third party (excluding any PwCES employees, agents or contractors)
         to any PwCES Products or such deliverables. PwCES assumes no
         responsibilities or obligations to cause products or deliverables
         provided by PwCES to accurately exchange date data with Other Products
         or to cause Other Products to accurately exchange date data with
         products or deliverables provided by PwCES; unless, such Other Products
         can properly exchange accurate date data with products or deliverables
         provided by PwCES under this Agreement. If Equifax requests PwCES to
         undertake to remedy any such problem, such an undertaking shall be an
         Additional Service, subject to a Change Order.

14.03    NO WARRANTY. EQUIFAX RECOGNIZES THAT NEITHER PWCES NOR ITS AFFILIATES
         WILL WARRANT THAT ANY YEAR 2000 WORK PERFORMED BY PWCES OR ITS
         AFFILIATES ON THE TRANSFERRED ASSETS OR EQUIFAX SOFTWARE WILL SUCCEED
         IN RESOLVING SATISFACTORILY ALL OR ANY SPECIFIC YEAR 2000 PROBLEM.
         SUBJECT TO THE FOREGOING, PWCES WILL PERFORM, WITHOUT ANY WARRANTIES
         (EXPRESS OR IMPLIED), THE YEAR 2000 WORK THAT IS SPECIFICALLY SET FORTH
         HEREIN AS PART OF THE SERVICES.

14.04    Euro Disclaimer. PwCES shall not be responsible for a failure to
         perform the Services under this Agreement, if such failure is the
         result, directly or indirectly, of the inability of any Other Products
         (i) to perform all functions set out in the specification for more than
         one currency and for any common currency adopted by one or more members
         of the European Union (the "Euro"), (ii) to comply with all legal
         requirements applicable to the Euro in any jurisdiction, including,
         without limitation, the rules on conversion and rounding set out in the
         EC Regulation number 1103/97, (iii) to display and print all symbols
         and codes adopted by any government or any other European Union body in
         relation to the Euro or (iv) to properly exchange Euro data with the
         PwCES Products or deliverables provided by PwCES under this Agreement.

                          ARTICLE 15. BREACH; REMEDIES

15.01    Limitation of Remedy. PwCES shall not be liable for its failure to
         perform to the extent PwCES's failure is due to (i)
<PAGE>

         a failure by Equifax or any third party retained by, or under the
         control of, Equifax to provide hardware, software, services, data or
         materials that Equifax or such third party is required to provide to
         PwCES under this Agreement and that PwCES requires to perform the
         Services, (ii) a failure by Equifax to timely and accurately perform
         its responsibilities as set forth in this Agreement, (iii) an audit
         conducted pursuant to Article 5, (iv) a failure by Equifax to obtain
         consents or approvals for PwCES's agents and contractors to use the
         Equifax Software or exercise rights under the Transferred Agreements,
         (v) a failure by Equifax to timely and accurately provide input data or
         review output produced by PwCES as a result of the Services or (vi) a
         problem associated with the Year 2000 or Euro, to the extent provided
         in Article 14.

15.02    Equifax's Failure to Perform Responsibilities. In the event Equifax or
         any of its licensors or contractors fail to perform any of its or their
         responsibilities in connection with any Services, then PwCES may, in
         its sole discretion, after providing notice to Equifax of such failure
         by Equifax or any of Equifax's licensors or contractors, perform
         Equifax's responsibility and charge Equifax for all reasonable costs
         and expenses incurred as a result of performing Equifax's
         responsibility. PwCES may not charge Equifax in excess of twenty-five
         thousand dollars ($25,000.00) per failure pursuant to this Section
         without Equifax's consent.

15.03    Force Majeure. Neither party shall be liable for any default or delay
         in the performance of its obligations hereunder (except for the payment
         of money) if and to the extent such default or delay is caused,
         directly or indirectly, by acts of God, governmental acts, accidents,
         wars, terrorism, riots or civil unrest, labor disputes, fires, storms,
         earthquakes, floods or elements of nature, or any other cause beyond
         the reasonable control of such party, provided such default or delay
         could not have been prevented by reasonable precautions and cannot
         reasonably be circumvented by the nonperforming party through the use
         of commercially reasonable alternative sources, workaround plans or
         other means (individually, a "Force Majeure Event"). Upon the
         occurrence of a Force Majeure Event, the nonperforming party will be
         excused from any further performance or observance of the obligations
         so affected for as long as such circumstances prevail and such party
         continues to use commercially reasonable efforts to recommence
         performance or observance whenever and to whatever extent possible
         without delay. Any party so delayed in its performance will immediately
         notify the other by telephone (to be confirmed in writing within five
         (5) days of the inception of such delay) and describe at a reasonable
         level of detail the circumstances causing such delay. If any Force
         Majeure Event substantially prevents, hinders, or delays performance of
         the Services necessary for the performance of a critical business
         function of Equifax for more than fifteen (15) consecutive days, then
         Equifax may procure such Services from an alternate source (whereupon
         the Charges hereunder shall be reduced accordingly irrespective of any
         minimum revenue commitment set forth in Exhibit 1). If any Force
         Majeure Event continues for more than sixty (60) consecutive days, then
         Equifax may terminate this Agreement as of a date specified by Equifax
         in a written notice of termination to PwCES pursuant to Section 16.01h.
         This Section does not limit or otherwise affect the parties'
         obligations regarding disaster recovery services as set forth in
         Exhibit 14.

15.04    Limitation of Liability. Each party's, its Affiliates' and its and
         their contractors' and licensors' liability for damages (whether a
         claim therefor is based on warranty, contract, tort (including
         negligence or strict liability), statute or otherwise) arising out of
         or relating to any performance or nonperformance of Services under this
         Agreement shall be limited in the aggregate for all claims to an amount
         equal to the payments made by Equifax to PwCES for recurring Services
         under a Set of Exhibits during the twelve (12) months prior to the
         occurrence of the first event that is the subject of the first claim
         (or if twelve (12) months have not yet elapsed since the Initial
         Commencement Date for a Set of Exhibits, then twelve (12) times the
         average monthly payments made by Equifax to PwCES for recurring
         Services since the Initial Commencement Date for such Set of Exhibits)
         (the "Cap"). Both parties acknowledge and agree that any such payment
         by the other party shall be the final remedy in the event of an
         exhaustion of all other remedies hereunder and shall not be deemed or
         alleged by the other party to have failed of its essential purpose. If
         a party's liability under this Agreement does not exceed four million
         dollars ($4,000,000) in any consecutive three (3) year period for a Set
         of Exhibits, then the Cap for such party shall be reduced from the
         amount set forth above to an amount equal to the payments made by
         Equifax to PwCES for recurring Services under a Set of Exhibits during
         the nine (9) months prior to the occurrence of the first event that is
         the subject of the first claim. Notwithstanding the foregoing, for (i)
         a breach of Article 9 and (ii) indemnification claims set forth in
         Sections 17.01(vi), 17.01(ix) and 17.02(viii), an amount equal to the
         payments made by Equifax to PwCES for recurring Services under a Set of
         Exhibits during the (y) six (6) months preceding the period set forth
         above if such period is twelve (12) months and (z) nine (9) months
         preceding the period set forth above if such period has been reduced to
         nine (9) months, shall be added to the Cap. The Cap for indemnification
         claims set forth in Section 17.01(x) with respect to Transitioned
         Employees for the first twelve (12) months after the Initial
         Commencement Date shall be equal to the amount of insurance set forth
         in Section 19.06(iv). For purposes of this Section 15.04, if, after an
         event giving rise to a claim there is a subsequent event giving rise to
         a claim that is related to the prior claim, then the time periods
         described above shall be measured from the date of the subsequent
         event.
<PAGE>

15.05    CONSEQUENTIAL DAMAGES. IN NO EVENT SHALL EITHER PARTY, ITS AFFILIATES
         OR ITS CONTRACTORS BE LIABLE FOR ANY SPECIAL, INDIRECT, EXEMPLARY,
         INCIDENTAL OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT
         LIMITATION, ANY LOSS OF PROFITS OR SAVINGS INCURRED BY THE OTHER PARTY,
         ITS CONTRACTORS OR ANY THIRD PARTY, EVEN IF SUCH PARTY HAS BEEN
         ADVISED, KNOWS OR SHOULD KNOW OF THE POSSIBILITY OF SAME.

15.06    Exclusions. The limitations or exculpation of liability set forth in
         Sections 15.04 and 15.05 are not applicable to (i) the failure of
         Equifax to make payments due under this Agreement, (ii) indemnification
         claims as set forth in Sections 17.01(i), 17.02(i), 17.01(v) and
         17.02(vii), (iii) damages caused by the intentional misconduct of the
         breaching party, (iv) any Termination Charges, (v) Performance Credits
         or Performance Bonuses or (vi) payments made pursuant to Exhibit 11.
         The limitations set forth in Section 15.04 are not applicable to
         indemnification claims as set forth in Sections 17.01(vii), 17.02(ix),
         17.01(x), 17.01(xii), 17.02(iii), 17.02(v), 17.02(vi), 17.02(xi) and
         17.02(xii). The exculpation of liability set forth in Section 15.05 is
         not applicable to a breach of Article 9 or indemnification for third
         party claims pursuant to Article 17.

15.07    Affiliates of PwCES. Except as set forth in Article 18, with regard to
         any claim or action against PwCES or its Affiliates, Equifax shall look
         solely to PwCES and the assets of PwCES in satisfaction of any claim or
         action relating to PwCES's obligations under this Agreement and in no
         event shall (i) any Affiliate of PwCES be liable for any obligation
         under or in connection with this Agreement or (ii) any member or
         partner of PwCES or any Affiliate of PwCES be personally liable for any
         obligation of PwCES under or in connection with this Agreement, and no
         recourse may be had or sought against the assets of any Affiliate of
         PwCES or the assets of any member or partner of PwCES or any Affiliate
         of PwCES in satisfaction of any such obligation. Nothing in this
         Section shall be deemed to relieve PwCES of any liability under this
         Agreement.

15.08    Limitation. Neither party shall make any claim against the other party
         more than two (2) years after such party knew or should have known of
         the breach or other event giving rise to such claim.

                             ARTICLE 16. TERMINATION

16.01    Conditions of Termination. In addition to expiration at the end of the
         term specified in Article 2, this Agreement may be terminated under the
         following circumstances, subject to any Charges that may be applicable
         as set forth below and in Exhibits 1 and 11.

         a.       Convenience. At any time (i) after the third anniversary of
                  the Initial Commencement Date or (ii) before such third
                  anniversary if there is a Change of Control of Equifax,
                  Equifax may deliver to PwCES written notice of its intent to
                  terminate this Agreement for convenience. The termination
                  notice shall specify a termination date no sooner than six (6)
                  months after the date of the notice.

         b.       Equifax for Cause. Equifax may terminate this Agreement in the
                  event of PwCES's material breach (in the form of a single
                  event or series of events) of its obligations or warranties,
                  if such material breach is not cured within fifteen (15) days
                  after Equifax notifies PwCES in writing of such material
                  breach; provided, however, that if after using commercially
                  reasonable efforts such breach could not be cured by PwCES
                  within such fifteen (15) day period, the cure period for such
                  breach shall be extended for an additional thirty (30) days
                  (provided that such breach is capable of cure and PwCES
                  continues to diligently pursue such cure), unless otherwise
                  agreed in writing.

         c.       Partial Termination by Equifax for Cause. Equifax may
                  terminate a Service, in whole or in part, if PwCES
                  consistently fails to (i) substantially perform such Service
                  or (ii) meet a Service Level with respect to such Service.
                  Equifax shall provide PwCES with written notice of its intent
                  to so terminate, which notice shall specify a termination date
                  no less than ninety (90) days after the date of the notice,
                  and the minimum revenue commitment set forth in Exhibit 1
                  shall be appropriately adjusted.

         d.       PwCES for Cause. Subject to Equifax's right as set forth in
                  Section 4.04e to withhold disputed payment amounts, PwCES may
                  terminate this Agreement in the event of Equifax's material
                  breach (in the form of a single event or series of events) of
                  its obligations or warranties, if such material breach is not
                  cured within fifteen (15) days after PwCES notifies Equifax in
                  writing of such material breach; provided, however, that if
<PAGE>

                  after using commercially reasonable efforts such breach (other
                  than one relating to the payment of money) could not be cured
                  by Equifax within such fifteen (15) day period, the cure
                  period for such breach shall be extended for an additional
                  thirty (30) days (provided that such breach is capable of cure
                  and Equifax continues to diligently pursue such cure), unless
                  otherwise agreed in writing.

         e.       Change of Control of Equifax. PwCES shall have the right to
                  terminate this Agreement immediately upon a Change of Control
                  of Equifax that results in control of Equifax by any entity
                  set forth in Exhibit 17.

         f.       PwCES for Impairment of Independence. Each of PwCES and
                  Equifax shall promptly notify the other regarding potential
                  Impairment of Independence situations about which it becomes
                  aware. In the event of any potential Impairment of
                  Independence, PwCES and Equifax shall consider all reasonable
                  alternatives to reconcile such potential Impairment of
                  Independence in order to maintain the relationship between the
                  parties, including, without limitation:

                  (i)   obtaining a favorable resolution from the SEC and the
                        AICPA;

                  (ii)  changes within PwCES or its Affiliates as to how it or
                        they organize its or their outsourcing business; and

                  (iii) changes in scope of the Services.

                  If the potential Impairment of Independence is not resolved to
                  the satisfaction of PwCES and Equifax within thirty (30) days
                  of the notice given above or the time period required by the
                  applicable regulations, then PwCES shall have the right to
                  terminate this Agreement, in whole or in part; provided,
                  however, that if PwCES terminates this Agreement in part, the
                  minimum revenue commitment set forth in Exhibit 1 shall be
                  reduced appropriately, and Equifax may, within thirty (30)
                  days of receipt of notice of such partial termination,
                  terminate this Agreement with respect to the affected Set of
                  Exhibits if the portion of this Agreement terminated in part
                  by PwCES represents a material portion of the Services under
                  such Set of Exhibits such that continuing to receive the
                  remaining Services under such Set of Exhibits does not present
                  a viable business case to Equifax, as determined by Equifax in
                  its reasonable discretion. If Equifax exercises its right
                  pursuant to the preceding sentence (x) the Set of Exhibits
                  shall, for purposes of Exhibit 11, have been deemed to have
                  been terminated by PwCES for the event that created the
                  Impairment of Independence that led to the termination in part
                  by PwCES or (y) if the Set of Exhibits terminated is the only
                  Set of Exhibits, this Agreement shall, for purposes of Exhibit
                  11, have been deemed to have been terminated in whole by PwCES
                  for the event that created the Impairment of Independence that
                  led to the termination in part by PwCES.

         g.       Equifax for Change of Control of PwC or PwCES. Equifax shall
                  have the right to terminate this Agreement immediately upon
                  the sale of a controlling interest of PwC or PwCES to any
                  entity set forth in Exhibit 17.

         h.       Equifax for Force Majeure. Equifax shall have the right to
                  terminate this Agreement pursuant to Section 15.03.

         i.       Equifax for Additional Charges. If the Base Charges for
                  Services provided on the Initial Commencement Date are
                  increased pursuant to Section 3.03(ii) by more than eleven
                  percent (11%) from the amount set forth on Exhibit 1, then
                  Equifax may, on not less than six (6) months prior written
                  notice, terminate this Agreement. This right to terminate may
                  only be exercised by Equifax within thirty (30) days after the
                  end of the twelve (12) month period referred to in Section
                  4.06.

         j.       Maximum Liability. If a party is liable for damages in excess
                  of the applicable Cap, the other party may terminate this
                  Agreement upon not less than six (6) months notice, unless the
                  party that exceeded its Cap agrees, within thirty (30) days
                  after receiving notice of the other party's intention to
                  terminate this Agreement, to reset such Cap to an amount equal
                  to the payments made by Equifax to PwCES for recurring
                  Services under a Set of Exhibits during the three (3) months
                  prior to the occurrence of the first event that is the subject
                  of the first claim with respect to any liability arising after
                  receipt of such notice.

16.02    Effects of Termination or Expiration. Exhibit 11 sets forth the
         parties' respective obligations and rights under each possible
         circumstance of termination or expiration; provided, however,
         termination pursuant to Sections 16.01b, c and d shall not constitute a
         party's exclusive remedy for a breach of this Agreement, and neither
         party shall be deemed to have waived any of its rights accruing
         hereunder prior to such termination.
<PAGE>

16.03    Termination Charge. If applicable, Equifax shall pay PwCES the
         Termination Charge specified in Exhibit 1 (i) on the date PwCES ceases
         to provide the Continuing Services if this Agreement is terminated
         pursuant to Section 16.01a or (ii) the earlier of thirty (30) days from
         the date of notice of termination and the date PwCES ceases to provide
         the Continuing Services if this Agreement is terminated pursuant to any
         other Section. The Termination Charge for any partial termination
         (e.g., termination of a Service or reduction in the list of Affiliates
         of Equifax) shall be calculated by applying the percentage of charges
         attributable to the reduction in Services pro rata against the
         Termination Charge for termination of the entire Agreement. With
         respect to those termination events for which the Termination Charge
         applies, Equifax acknowledges that the Termination Charge plus the
         costs to be paid by Equifax pursuant to Exhibit 11 constitute
         liquidated damages for the loss of the bargain, are not a penalty and
         are a reasonable approximation of PwCES's damages under the
         circumstances as can best be determined as of the date of this
         Agreement. In consideration for payment of the applicable Termination
         Charge and such costs, Equifax shall have no liability, and PwCES shall
         not allege that Equifax has any liability, for claims relating solely
         to the termination of this Agreement.

16.04    Critical Services. The parties acknowledge that the performance of the
         Services will be critical to the operations of Equifax and its
         Affiliates. Accordingly, notwithstanding any other provision in this
         Agreement to the contrary, except Sections 3.16 and 4.04c and except
         for an intentional breach of Article 9, PwCES shall not voluntarily
         withhold the provision of the Services under any circumstances.

                           ARTICLE 17. INDEMNIFICATION

17.01    PwCES Indemnification of Equifax. PwCES shall indemnify and hold
         harmless Equifax and its Affiliates and their respective officers,
         directors, employees, members, partners, agents, successors and assigns
         from, and shall defend Equifax against, any costs, liabilities, fines,
         penalties, damages or expenses (including reasonable attorneys' fees
         and amounts paid in settlement) arising out of or relating to:

                  (i)    any claim by a third party that the Services, the PwCES
                         Products, or any work performed by PwCES, or work
                         performed by PwCES's agents, consultants or contractors
                         with respect to the PwCES Products, under this
                         Agreement infringes the proprietary rights of any third
                         party;

                  (ii)   any alleged act or omission by PwCES or any of its
                         employees giving rise to potential liability arising
                         out of or relating to (a) any unlawful discrimination
                         or harassment, (b) PwCES employee benefits or (c) any
                         other aspect of the employment relationship or the
                         termination of the employment relationship relating to
                         a Transitioned Employee, arising on or after such
                         Transitioned Employee's starting date with PwCES
                         (including claims for breach of an express or implied
                         contract of employment), except to the extent any such
                         claim arises from the wrongful act of Equifax;

                  (iii)  any unlawful discrimination by PwCES in selecting the
                         Equifax Selected Employees;

                  (iv)   materials prepared by PwCES pursuant to Section 7.01;

                  (v)    claims for personal injuries, death or damage to
                         tangible personal or real property to the extent caused
                         by acts or omissions of PwCES or its Affiliates,
                         contractors and agents, including negligence;

                  (vi)   claims arising from a violation of any federal, state,
                         local or foreign law, rule or regulation or failure to
                         comply with the provisions of the documents governing
                         the benefit plans covered by Exhibit 2 to the extent
                         caused by acts or omissions of PwCES;

                  (vii)  claims arising out of any Transferred Agreement after
                         the date such Transferred Agreement is transferred to
                         PwCES, except to the extent any such claim arises from
                         the failure of Equifax to obtain the appropriate
                         consents or approvals;

                  (viii) claims arising from PwCES's provision of any services
                         to any third party from the same facilities from which
                         the Services are provided to Equifax;

                  (ix)   claims arising out of PwCES's use (in providing the
                         Services to Equifax) of any Equifax Software licensed
                         by Equifax from a third party, to the extent due to
                         PwCES's (or any of its agents' or subcontractors')
                         breach of the third party's license agreement with
                         Equifax, excluding, however, any claim arising from the
                         failure of Equifax to obtain the appropriate consents
                         or approvals for such use, or any claims arising under
                         Section 17.02 below;

                  (x)    claims arising from fraud committed by a PwCES employee
                         (this obligation with respect to a Transitioned
                         Employee during the first twelve (12) months after the
                         Initial Commencement Date is
<PAGE>

                         limited as set forth in Section 15.04);

                  (xi)   claims or suits attributable to breaches of PwCES's
                         express representations and warranties contained in
                         this Agreement; and

                  (xii)  PwCES's tax liabilities arising from PwCES's provision
                         of Services, as set forth in Section 4.05.

17.02    Equifax Indemnification of PwCES. Equifax shall indemnify and hold
         harmless PwCES and its Affiliates and their respective officers,
         directors, employees, members, partners, agents, successors and assigns
         from, and shall defend PwCES against, any costs, liabilities, damages
         or expenses (including reasonable attorneys' fees and amounts paid in
         settlement) arising out of or relating to:

                  (i)    any claim by a third party that the use by PwCES, in
                         the performance of the Services to Equifax and its
                         Affiliates in accordance with this Agreement, of any
                         Equifax Software or other software owned or licensed by
                         Equifax accessed by, used by or assigned by Equifax to
                         PwCES infringes the proprietary rights of any third
                         party, but excluding any claims relating to any changes
                         or modifications to the Equifax Software or such other
                         software made by PwCES or its Affiliates or
                         contractors;

                  (ii)   any alleged act or omission by Equifax or its employees
                         giving rise to potential liability arising out of or
                         relating to (a) any unlawful discrimination or
                         harassment, (b) Equifax employee benefits not expressly
                         assumed by PwCES, (c) any representations, oral or
                         written, made by Equifax to Transitioned Employees or
                         (d) any other aspect of the employment relationship or
                         the termination of the employment relationship relating
                         to a Transitioned Employee, arising prior to such
                         Transitioned Employee's starting date with PwCES,
                         including, without limitation, claims that Equifax has
                         violated the WARN Act or other claims arising as a
                         result of the transition, claims for breach of an
                         express or implied contract of employment, Equifax
                         employee benefits plans, policies or programs or with
                         respect to any claims by Equifax Selected Employees
                         under such plans, policies or programs or otherwise
                         with respect to services rendered or events or
                         incidents that occur prior to a Transitioned Employee's
                         starting date with PwCES;

                  (iii)  the failure of Equifax to obtain any consent or
                         approval as required under Section 3.12b;

                  (iv)   claims or suits attributable to breaches of Equifax's
                         express representations and warranties contained in
                         this Agreement;

                  (v)    Equifax tax liabilities accruing prior to the
                         Commencement Date;

                  (vi)   Equifax's tax liabilities arising from PwCES's
                         provision of Services, as set forth in Section 4.05;

                  (vii)  claims for personal injuries, death or damage to
                         tangible personal or real property to the extent caused
                         by acts or omissions of Equifax or its Affiliates,
                         contractors or agents, including negligence;

                  (viii) claims arising from a violation of any federal, state,
                         local or foreign law, rule, regulation or order to the
                         extent caused by acts or omissions of Equifax;

                  (ix)   claims arising out of any Transferred Agreement before
                         the date such Transferred Agreement is transferred to
                         PwCES;

                  (x)    shareholder derivative suits against Equifax;

                  (xi)   claims made by Affiliates of Equifax related to
                         Services provided under this Agreement; and

                  (xii)  claims (a) by Julian Carr arising from events that
                         occur while he is an employee of Equifax except to the
                         extent caused by the wrongful act of PwCES, and (b)
                         arising out of his acts or omissions that occur while
                         he is an employee of Equifax performing a portion of
                         the Services.

17.03    General Equifax Indemnity. Without limiting PwCES's liability to
         Equifax under this Agreement related to meeting PwCES's obligations to
         perform the Services in accordance with the terms of this Agreement,
         Equifax agrees to indemnify and defend PwCES and its Affiliates and
         hold PwCES and its Affiliates harmless from any and all third party
         claims, actions, damages, liabilities, costs and expenses, including,
         without limitation, reasonable attorneys' fees and expenses, arising
         out of or relating to the use by Equifax of the Services in the
         operation of Equifax's business. The indemnification set forth in this
         Section shall not apply to claims arising out of or related to PwCES's
         negligence, willful misconduct or breach of this Agreement, or
         violation of any law, rule, regulation or order, to the extent such
         negligence, willful misconduct, breach or violation is the cause of
         such claim.
<PAGE>

17.04    Indemnification Procedure.

         a.       In General. The indemnified party shall notify the
                  indemnifying party of any claim under this Article within
                  thirty (30) days (or such shorter period as may be required to
                  respond to a third party claim) after receipt of notice. A
                  party required to indemnify the other party under this
                  Agreement shall have no obligation for any claim under this
                  Article if:

                  (i)    the indemnified party fails to notify the indemnifying
                         party of such claim as provided above, but only to the
                         extent that the defense of such claim is prejudiced by
                         such failure;

                  (ii)   the indemnified party fails to tender control of the
                         defense of such claim to the indemnifying party; or

                  (iii)  the indemnified party fails to provide the indemnifying
                         party with all reasonable cooperation in the defense of
                         such claim (the cost thereof to be borne by the
                         indemnifying party).

         b.       Consent. The indemnifying party shall have no obligation for
                  any claim under this Agreement if the indemnified party makes
                  any admission or settlement regarding such claim without the
                  prior written consent of the indemnifying party, which consent
                  shall not be unreasonably withheld.

         c.       Participation. The indemnified party shall have the right (but
                  not the obligation) to participate in such defense or
                  settlement, in which event each party shall pay its respective
                  attorneys' fees.

                                 ARTICLE 18. PWC

         PwC shall be jointly and severally liable for the obligations of PwCES
         under this Agreement. For the avoidance of doubt, the joint and several
         liability of PwC and PwCES under this Agreement shall not entitle
         Equifax to double recovery for any one claim. PwC shall not be deemed
         the employer of any Transitioned Employee.

                            ARTICLE 19. MISCELLANEOUS

19.01    Independent Contractors. Each of PwCES and Equifax is an independent
         contractor. Neither party shall have any authority to bind the other
         party unless expressly agreed in writing. Nothing in this Agreement
         shall be construed to create a partnership, agency or employer-employee
         relationship between PwCES and Equifax, and in no event shall PwCES and
         Equifax be deemed joint employers. The rights, obligations and
         liabilities of the parties shall be several and not joint or
         collective.

19.02    Counterparts. This Agreement may be executed in counterparts, each of
         which shall be deemed an original, and all of which taken together
         shall constitute a single instrument.

19.03    Entire Agreement. Except as otherwise provided herein, this Agreement,
         including the Exhibits hereto, represents the entire understanding and
         agreement between the parties, and supersedes any prior agreement,
         understanding or communication between the parties, with respect to the
         subject matter hereof. This Agreement may only be amended by a writing
         executed by both parties.

19.04    Construction. The parties have participated jointly in the negotiation
         and drafting of this Agreement. In the event an ambiguity or question
         of intent or interpretation arises, this Agreement shall be construed
         as if drafted jointly by the parties and no presumption or burden of
         proof shall arise favoring or disfavoring any party by virtue of the
         authorship of any of the provisions of this Agreement.

19.05    Assignment. Neither party may assign or transfer this Agreement, or any
         of its rights and obligations under it, without the prior written
         consent of the other party. Notwithstanding the foregoing, (i) either
         party may assign or transfer this Agreement, and its rights and
         obligations under it, to one of its Affiliates, provided (a) the
         Affiliate agrees in writing to the obligations of the assigning or
         transferring party set forth in this Agreement, (b) such party
         guarantees the obligations of such Affiliate and (c) such assignment or
         transfer does not create an Impairment of Independence and (ii) subject
         to Section 16.01e, Equifax may assign this Agreement in connection with
         the sale of all or substantially all of its assets.
<PAGE>

19.06    Insurance. During the term of this Agreement, PwCES shall maintain and
         keep in full force and effect, at its sole cost and expense, insurance
         as set forth below with an insurance company licensed to do business in
         the location where the Services are to be performed.

                  (i)    Commercial General Liability insurance including,
                         without limitation, contractual liability coverage that
                         indicates this Agreement is a "covered contract,"
                         premises, completed operations, broad-form property
                         damage, independent contractors and personal injury
                         liability in an amount not less than two million
                         dollars ($2,000,000.00) each occurrence and two million
                         dollars ($2,000,000.00) aggregate;

                  (ii)   Workers Compensation insurance in accordance with
                         statutory requirements as well as Employer's Liability
                         insurance with limits not less than
                         $1,000,000.00/$1,000,000.00/$1,000,000.00 and such
                         insurance shall cover all individuals who will be used
                         in any capacity by PwCES in performing Services;

                  (iii)  Automobile Liability insurance (including owned,
                         non-owned, hired and loaned vehicles) with a combined
                         single limit of not less than one million dollars
                         ($1,000,000.00) for bodily injury and property damage;

                  (iv)   Fidelity Bond/Commercial Crime insurance covering
                         employee dishonesty, including, without limitation,
                         dishonest acts of PwCES and its employees, agents or
                         subcontractors and such insurance shall also include
                         third party liability coverage and be written for
                         limits not less than ten million dollars
                         ($10,000,000.00);

                  (v)    Professional Liability insurance for operations
                         performed for Equifax and its employees or customers
                         with limits of liability not less than fifty million
                         dollars ($50,000,000.00) each claim and fifty million
                         dollars ($50,000,000.00) aggregate; and

                  (vi)   Umbrella/Excess Liability insurance on a follow form
                         basis with a limit of not less than twenty million
                         dollars ($20,000,000.00) for each occurrence and twenty
                         million dollars ($20,000,000.00) aggregate and such
                         umbrella insurance shall name as underlying policies
                         the Commercial General Liability, Employer's Liability
                         and Auto Liability insurance coverage required above.

19.07    Order of Precedence. In the event of a Dispute, the terms of this
         Agreement, the Exhibits and any Change Orders shall be interpreted in
         the following order of precedence: (i) the terms of a Change Order
         shall take precedence, (ii) followed by the terms of an Exhibit and
         (iii) followed by the terms in this Agreement. Notwithstanding the
         foregoing sentence, a Change Order may only amend an Exhibit or this
         Agreement by express reference to the term or condition of the Exhibit
         or this Agreement that is to be amended.

19.08    Remedy. Nothing in this Agreement shall prevent any disputing or
         allegedly aggrieved party from pursuing a temporary restraining order,
         injunctive relief or other equitable relief from a court of competent
         jurisdiction against the other party at any time if the disputing or
         allegedly aggrieved party believes in good faith that a breach or
         threatened breach of any of the provisions of this Agreement would
         cause it irreparable harm.

19.09    Survival. To the extent a provision of this Agreement, including,
         without limitation, Articles entitled Breach; Remedies,
         Indemnification, Confidentiality and Data, Dispute Resolution,
         Arbitration and Miscellaneous, provides for rights, interests, duties,
         claims, undertakings and obligations subsequent to the termination or
         expiration of this Agreement, such provision of this Agreement shall
         survive such termination or expiration.

19.10    Required Approvals. Each party shall obtain all necessary licenses,
         permits and approvals of this Agreement required by any governmental
         agency, at its sole cost and expense.

19.11    Compliance with Laws. Each party shall comply with all applicable laws,
         rules and regulations.

19.12    Waiver. Except as set forth in Section 3.11c, the failure of either
         party to insist upon the strict and punctual performance of any
         provision hereof shall not constitute a waiver of, or estoppel against
         asserting the right to require such performance, nor should a waiver or
         estoppel in one case constitute a waiver or estoppel with respect to a
         later breach whether of a similar nature or otherwise.

19.13    Unenforceable Terms. In the event any term or provision of this
         Agreement shall for any reason be declared or held invalid, illegal or
         unenforceable in any respect by a court of competent jurisdiction or by
         the arbitrators contemplated
<PAGE>

         by Article 13, each party shall agree that (i) such invalidity,
         illegality or unenforceability shall not affect any other term or
         provision of this Agreement and (ii) such term or provision shall be
         (a) reformed to the extent necessary to render such term or provision
         valid and enforceable and to reflect the intent of the parties to the
         maximum extent possible under applicable law or (b) interpreted and
         construed as if such term or provision, to the extent unenforceable,
         had never been contained herein.

19.14    Further Assurances. During the term of this Agreement and at all times
         thereafter, each party shall provide to the other party, at its
         request, reasonable cooperation and assistance (including, without
         limitation, the execution and delivery of affidavits, declarations,
         oaths, assignments, samples, exhibits, specimens and any other
         documentation) as necessary to effect the terms of this Agreement.

19.15    References to Articles, Sections and Exhibits. Unless otherwise
         specified herein, all references herein to an Article, Section, or
         Exhibit shall be deemed to be references to the corresponding Article,
         Section or Exhibit of this Agreement.

19.16    Governing Law, Submission to Jurisdiction and Service of Process. All
         rights and obligations of the parties relating to this Agreement shall
         be governed by and construed in accordance with the law of the State of
         New York, without giving effect to any choice-of-law provision or rule
         (whether of the State of New York or any other jurisdiction) that would
         cause the application of the laws of any other jurisdiction. Each party
         shall bring any suit, action or other proceeding to enforce the
         obligation of the other party hereto to resolve a Dispute in accordance
         with Article 13 in a court of competent jurisdiction sitting in the
         State of Georgia, and each party hereby irrevocably waives, to the
         fullest extent permitted by law, any objection that it may have,
         whether now or in the future, to the laying of venue in, or to the
         jurisdiction of, any and each of such courts for the purpose of any
         such suit, action, proceeding or judgment and further waives any claim
         that any such suit, action proceeding or judgment has been brought in
         an inconvenient forum, and each party hereto hereby submits to such
         jurisdiction. Each party hereto hereby agrees that service of process
         may be completed in any such suit, action or proceeding by any
         reasonable means calculated to assure actual notice, including, without
         limitation delivery by Federal Express or other courier service,
         certified mail or postage prepaid first class mail.

19.17    Notices. All notices, requests, demands and other communications given
         or made in accordance with the provisions of this Agreement shall be
         deemed to have been given (i) five (5) days after mailing when mailed
         (by registered or certified mail, postage prepaid, only), (ii) on the
         second day after delivery to a national express courier service
         (including, without limitation, DHL and Federal Express), (iii) on the
         date sent when made by facsimile transmission with confirmation of
         receipt (with hard copy to follow by registered or certified mail,
         postage prepaid, only or by a national express courier service) and
         (iv) on the date received when delivered in person or by hand courier,
         to the address set forth below or such other place or places as such
         party may from time to time designate in writing. Any party may alter
         its address set forth above by notice in writing to the other party in
         the manner set forth herein.
<TABLE>
<CAPTION>
<S>                                                                <C>
         if to PwCES:                                              if to Equifax:

         PwCES LLC                                                 Equifax Inc.
         50 Hurt Plaza, Suite 1700                                 1600 Peachtree Street
         Atlanta, GA 30303                                         Atlanta, GA 30309
         Attention:        Karl Sachsenmaier                       Attention:        John T. Chandler
         Telephone:        404-658-8740                            Telephone:        404-888-5047
         Facsimile:        404-658-8899                            Facsimile:        404-885-8988

         With a copy (which shall not constitute notice) to:       with a copy (which shall not  constitute  notice) to:
         PricewaterhouseCoopers LLP
         1301 Avenue of the Americas                               Equifax Inc.
         New York, NY 10019                                        1600 Peachtree Street
         Attention:  Office of General Counsel                     Atlanta, GA 30309
         Telephone:  212-707-6754                                  Attention:  General Counsel
         Facsimile:  212-259-5142                                  Telephone:        404-888-5093
                                                                   Facsimile:        404-885-8682
         if to PwC:
<PAGE>

         PricewaterhouseCoopers LLP
         50 Hurt Plaza, Suite 1700
         Atlanta, GA 30303
         Attention:        Karl Sachsenmaier
         Telephone:        404-658-8740
         Facsimile:        404-658-8899

         With a copy (which shall not constitute notice) to:

         PricewaterhouseCoopers LLP
         1301 Avenue of the Americas
         New York, NY 10019
         Attention:  Office of General Counsel
         Telephone:  212-707-6754
         Facsimile:  212-259-5142
</TABLE>

19.18    No Third Party Beneficiary Status. Except as expressly stated herein
         with respect to each party's Affiliates and contractors, the terms and
         provisions of this Agreement are intended solely for the benefit of
         each party hereto and their respective successors or permitted assigns,
         and it is not the intention of the parties to confer third party
         beneficiary rights upon any other party.

19.19    Headings. Headings and captions contained in this Agreement are for
         convenience only and do not substantively affect the terms of this
         Agreement.

19.20    Expenses. Each party shall be responsible for the costs and expenses
         associated with the preparation or completion of this Agreement and the
         transactions contemplated hereby.

19.21    Equifax Most Favored Vendor Provision. If PwCES provides any services
         to a third party from the same facilities from which the Services are
         provided to Equifax, which services include or utilize any internet,
         intranet or other network security, verification or authentication
         product or service then offered by Equifax (including, without
         limitation, digital signature, certification or authentication products
         or services), (collectively, "Equifax Products"), Equifax shall have a
         right of first refusal to provide the Equifax Products to PwCES in
         connection with such third party services.

                                    * * * * *
<PAGE>

IN WITNESS WHEREOF, each of the parties hereto, by its duly authorized
representative, has hereby executed this Human Resources Business Process and
Support Services Agreement.

Agreed to by:

PWCES LLC                                             EQUIFAX INC.
By: /s/ Larry B. Quimby                               By: /s/ John T. Chardler
Name: Larry B. Quimby                                 Name: John T. Chardler
Title: V.P.                                           Title: Corporate V.P.

PRICEWATERHOUSECOOPERS LLP
By: /s/ Larry B. Quimby
Name: Larry B. Quimby
Title: Partner
<PAGE>

                              FIRST AMENDMENT TO
        HUMAN RESOURCES BUSINESS PROCESS AND SUPPORT SERVICES AGREEMENT

        This First Amendment ("Amendment"), dated as of June 11, 1999, is made
by and between PwCES LLC, a Delaware limited liability company ("PwCES") and
PricewaterhouseCoopers LLP, a Delaware limited liability partnership ("PwC") on
the one hand, and Equifax Inc., a Georgia corporation ("Equifax") on the other
hand.

RECITALS

        WHEREAS, the parties have entered into that certain Human Resources
Business Process and Support Services Agreement, dated as of June 4, 1999 (the
"Agreement"); and

        WHEREAS, the parties desire to amend the Agreement;

        NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties agree as follows:

        1.  Section 3.12(b) of the Agreement is amended by deleting the last
sentence thereof and substituting in lieu thereof the following:

        "PwCES's use of the Equifax Software licensed by Equifax will be subject
        to the restrictions of the third party license agreements with the
        licensors of such Equifax Software (except to the extent such
        restriction prohibit PwCES from using such Equifax Software), and
        Equifax appoints PwCES as Equifax's agent for the limited purpose of
        using such Equifax Software to provide the Services, subject to the
        restrictions of such third party license agreements, but not for the
        purpose of entering into any oral or written agreements for or on behalf
        of Equifax with respect to such Equifax Software."

        This Amendment shall be construed in connection with and as part of the
Agreement, and except as modified and expressly amended by this Amendment, all
terms, conditions and covenants contained in the Agreement shall be and remain
in full force and effect. Any and all notices, requests, orders and other
instruments executed and delivered after the execution of this Amendment may
refer to the Agreement without making specific reference to this Amendment, but
nevertheless all such references shall be deemed to include this Amendment
unless the context otherwise requires.

<PAGE>

        IN WITNESS WHEREOF, each of the parties hereto, by its duly authorized
representatives, has hereunto executed this Amendment.

PwCES LLC                                  EQUIFAX INC.

By:     Larry B. Quimby                    By:     John T. Chandler
   -----------------------------               ---------------------------
Name:   Larry B. Quimby                    Name:   John T. Chandler
Title:  Vice President                     Title:  Corporate Vice President

PRICEWATERHOUSECOOPERS LLP

By:     Larry B. Quimby
   ------------------------------
Name:   Larry B. Quimby
Title:  Partner

<PAGE>

                                                                   EXHIBIT 10.28

                         SCHEDULE OF OMITTED EXHIBITS
                                     OF THE
                        HUMAN RESOURCES BUSINESS PROCESS
                         AND SUPPORT SERVICES AGREEMENT

     The following exhibits to the Human Resources Business Process and Support
Services Agreement, dated as of June 4, 1999 (the "HR Agreement"), among PwCES
LLC ("PwCES"), PricewaterhouseCoopers LLP ("PwC"), and Equifax, Inc.
("Equifax"), as amended by the First Amendment to Human Resources Business
Process and Support Services Agreement, dated as of June 11, 1999, among PwCES,
PwC, and Equifax are omitted from this filing.  Equifax agrees to provide to the
Commission supplementally upon request copies of all exhibits described below.

Exhibit 1 - is a financial exhibit containing (a) a statement of base charges
---------   for the ten year term of the HR Agreement; (b) a statement of
            baseline services to be provided by PwCES: (c) a statement of
            incremental charges for additional costs to Equifax for additional
            services provided by PwCES: (d) a statement of incremental credits
            to Equifax for sub baseline provision of services by PwCES: (e) an
            inflation adjustment index; (f) provisions for the calculation of
            performance credits and bonuses; (g) a statement of termination
            charges; (h) a statement of threshold limits with respect to
            services provided in the HR Agreement; (i) a statement of the
            minimum revenue commitment; (j) a statement of the pool of resources
            to be made available to Equifax by PwCES; and (k) a statement of
            procedures with respect to third party agreements.

Exhibit 2 - (a) sets forth a general description and a detailed description of
---------   base services to be provided by PwCES to Equifax in the United
            States and Canada which include: (i) human resource management, (ii)
            staffing services, (iii) benefits services, (iv) compensation /
            salary administration services, (v) employee relations services,
            (vi) career development services, (vii) payroll services, (viii)
            separation services, (ix) miscellaneous human relations process
            services, and (x) information technology services; (b) provides that
            service levels will be developed and refined after the execution of
            the HR Agreement; and (c) sets forth service level reporting
            guidelines for PwCES.

Exhibit 3 - has been intentionally left blank.
---------

Exhibit 4 - shows that there have been no transferred agreements, and provides a
---------   reference to determine transferred assets.

<PAGE>

Exhibit 5 - describes the transition plan pursuant to which PwCES will begin
---------   providing services to Equifax.

Exhibit 6 - sets forth employees that will be affected by the provisions of the
---------   HR Agreement as follows: (a) employees of Equifax that may be
            affected; (b) key Equifax personnel for whom PwCES will attempt to
            assist Equifax in documenting services provided by such personnel in
            case such personnel fail to enter into independent contractor
            agreements with PwCES; (c) it describes the hiring plan of PwCES for
            selected Equifax employees; and (d) and (e) will be attached after
            execution of the HR Agreement to set forth employees who have made
            the transition from being employed by Equifax to being employed by
            PwCES and those persons that will be key employees of PwCES,
            respectively.

Exhibit 7 - is a list of Equifax affiliates.
---------

Exhibit 8 - shows that there is no PwCES software relevant to the HR Agreement.
---------

Exhibit 9 - is a list of Equifax owned and licensed software relevant to the HR
---------   Agreement.

Exhibit 10 - provides for an operating level agreement to be developed and
----------   refined after the execution of the HR Agreement, and inserted after
             the execution of the HR Agreement.

Exhibit 11 - sets forth termination provisions and services to be provided by
----------   PwCES to Equifax upon termination.

Exhibit 12 - describes facilities owned by Equifax to which PwCES will have
----------   access to and use of.

Exhibit 13 - sets forth projects on which Equifax employees are currently
----------   working, and on which certain employees will continue working as
             they transition from being employed by Equifax to being employed by
             PwCES, for the purpose of calculating base charges to be paid from
             Equifax to PwCES.

Exhibit 14 - sets forth a schedule for implementation of a business recovery
----------   plan and a disaster recovery plan for PwCES technology, for Equifax
             software and related hardware, and for critical business processes.

Exhibit 15 - sets forth (a) a change of control procedure; (b) a bill of sale,
----------   assignment, and power of attorney; and (c) a confidentiality
             agreement to be used among Equifax, PwCES, and third parties.

<PAGE>

Exhibit 16 - sets forth certain assumptions to be considered with respect to the
----------   HR Agreement.

Exhibit 17 - is (a) a list of Equifax competitors, and (b) a list of PwCES
----------   competitors.

Exhibit 18 - shows that there is no third party software with respect to the HR
----------   Agreement.

Exhibit 19 - sets forth a list of agreements between Equifax and third parties
----------   with respect to the HR Agreement.<PAGE>

                                                                   EXHIBIT 10.29

     FINANCE AND ACCOUNTING BUSINESS PROCESS AND SUPPORT SERVICES AGREEMENT

This FINANCE AND ACCOUNTING BUSINESS PROCESS AND SUPPORT SERVICES AGREEMENT (the
"Agreement"), dated as of June 4, 1999, is made by and between PwCES LLC, a
Delaware limited liability company with an office at 50 Hurt Plaza, Suite 1700,
Atlanta, Georgia 30303 ("PwCES") and PricewaterhouseCoopers LLP, a Delaware
limited liability partnership with an office at 1301 Avenue of the Americas, New
York, NY 10019 ("PwC") on the one hand, and Equifax Inc., a Georgia corporation
with an office at 1600 Peachtree Street, Atlanta, Georgia 30309 ("Equifax") on
the other hand.

                                    RECITALS

WHEREAS, Equifax and PwCES desire to enter into an agreement for the provision
and use of certain business process and support services, including business
process design, improvement, operation, management and support, as well as
related ancillary services;

WHEREAS, PwCES desires to provide to Equifax such business process and support
services;

WHEREAS, Equifax desires to purchase from PwCES such business process and
support services, under the terms and conditions set forth below; and

WHEREAS, the parties intend for PwCES to increase the efficiency and
cost-effectiveness of such business process and support services, to improve the
performance and delivery of such business process and support services and to
identify and apply techniques, tools and technologies that would improve the
provision of such business process and support services.

NOW, THEREFORE, in consideration of the covenants contained in this Agreement
and for other good and valuable consideration, the receipt and sufficiency of
which are hereby acknowledged, the parties agree as follows.

                             ARTICLE 1. DEFINITIONS

The following terms, when used in this Agreement with initial capital letters,
shall have the respective meanings set forth in this Article.

1.01     Account Executive. The term "Account Executive" means the individual
         appointed by each party to act (i) as the primary point of contact with
         the other party in dealing with each party's obligations under this
         Agreement and (ii) in the case of PwCES, as the executive in charge of
         overseeing the provision of the Services.

1.02     Additional Services. The term "Additional Services" means the tasks,
         functions and projects outside the scope of the Continuing Services
         that PwCES may provide to Equifax on terms to be mutually agreed upon
         and set forth in a Change Order.

1.03     Affiliate. The term "Affiliate" means, with respect to a party, any
         entity at any tier that controls, is controlled by, or is under common
         control with that party, and with respect to PwCES, any entity (whether
         or not incorporated) that carries on business under a name that
         includes all or part of the PricewaterhouseCoopers name or is otherwise
         within (or connected or associated with an entity within), or is a
         correspondent firm of, the worldwide network of PricewaterhouseCoopers
         firms. For purposes of this definition, the term "control" (including
         with correlative meanings, the terms "controlled by" and "under common
         control with") means the possession directly or indirectly of the power
         to direct or cause the direction of the management and policies of an
         entity, whether through the ownership of voting securities, by trust,
         management agreement, contract or otherwise.

1.04     Agreement. The term "Agreement" means this Finance and Accounting
         Business Process and Support Services Agreement and all Exhibits
         attached hereto and incorporated herein by this reference.

1.05     Ancillary Services. The term "Ancillary Services" means the tasks,
         functions and projects that (i) are outside the scope of the Continuing
         Services, (ii) relate to the Services and affect PwCES's provision of
         Services (including, for example, services provided by a Third Party
         Provider whose relationship with Equifax is managed by PwCES pursuant
         to this Agreement) and (iii) may be provided to Equifax by PwCES on
         terms to be mutually agreed upon and set forth in a
<PAGE>

         Change Order.

1.06     Assumptions. The term "Assumptions" means the circumstances, metrics,
         principles, financial data, standards, computer systems, platforms and
         general information disclosed by Equifax or used by PwCES as a basis
         for determining the scope of Services, Service Levels and Charges, as
         set forth in Exhibit 16.

1.07     Base Charge. The term "Base Charge" means the amount PwCES shall charge
         to Equifax for the provision of Continuing Services at the Baseline
         levels, excluding any (i) Incremental Charge or Incremental Credit
         relating to such Services and (ii) Charges for Additional Services,
         Ancillary Services or Termination Services, as set forth in Exhibit 1.

1.08     Baseline. The term "Baseline" means the base amount of a Service to be
         provided by PwCES to Equifax with respect to the Continuing Services as
         set forth in Exhibit 1, excluding (i) any incremental Service
         generating Incremental Charges or Incremental Credits or (ii)
         Additional Services, Ancillary Services or Termination Services.

1.09     Change Control Procedure. The term "Change Control Procedure" means the
         procedure set forth in Section 3.10 for (i) increasing, decreasing or
         amending (a) a Service beyond the Threshold Limits, (b) a Service Level
         or (c) the Charges or (ii) adding Additional Services or Ancillary
         Services.

1.10     Change of Control. The term "Change of Control" with respect to a party
         means any (i) consolidation or merger of such party or any entity that
         possesses directly or indirectly the power to direct or cause the
         direction of the management and policies of such party, whether through
         the ownership of voting securities, by trust, management, agreement,
         contract or otherwise (each, a "Party Company") with or into another
         entity or entities (whether or not such Party Company is the surviving
         entity), excluding any such consolidation or merger with or into an
         Affiliate of such party, (ii) any sale or transfer by any Party Company
         of all or substantially all of its assets (excluding any such sale to
         an Affiliate), (iii) any sale, transfer or issuance or series of sales,
         transfers or issuances of shares or other equity interests of any Party
         Company by such Party Company or the equity holders thereof, as a
         result of which one equity holder, or a group of equity holders acting
         in concert, possess the voting power (under ordinary circumstances) to
         elect a majority of such Party Company's board of directors (or other
         equivalent managing group) or (iv) the bankruptcy, liquidation or
         dissolution of a Party Company. Notwithstanding the foregoing, no
         transaction of the type described in clauses (i), (ii) or (iii) of this
         Section shall constitute a Change of Control if, as of immediately
         following such transaction, the equity holders of a party that possess
         the voting power (under ordinary circumstances) to elect a majority of
         such party's board of directors (or other equivalent managing group) as
         of immediately prior to such transaction continue to own (directly or
         indirectly through one or more Party Companies) a sufficient amount of
         the outstanding capital stock or equity interests of each Party Company
         possessing the voting power (under ordinary circumstances) to elect a
         majority of such Party Company's board of directors (or other
         equivalent managing group).

1.11     Change Order. The term "Change Order" means a document (i) increasing,
         decreasing or amending (a) a Service beyond the Threshold Limits, (b) a
         Service Level or (c) the Charges or (ii) adding Additional Services or
         Ancillary Services, as executed pursuant to the Change Control
         Procedure, in substantially the form set forth in Exhibit 15.

1.12     Charges. The term "Charges" means, collectively, the (i) Base Charges,
         (ii) Incremental Charges, (iii) charges for Additional Services,
         Ancillary Services and Termination Services and (iv) any other charges
         provided under this Agreement, as set forth in Exhibit 1 and Change
         Orders.

1.13     Commencement Date. The term "Commencement Date" means the date on which
         PwCES begins to provide Services to Equifax or its Affiliates, as
         agreed upon by the parties, and as set forth in Exhibit 7. There may be
         a separate Commencement Date for each of Equifax or its Affiliates, for
         a particular Service or set of Services. Except where the context
         dictates otherwise, the Commencement Date shall be the applicable
         Commencement Date for Equifax or its Affiliates.

1.14     Continuing Services. The term "Continuing Services" means (i) a task,
         function or project or (ii) a set of related tasks, functions or
         projects, to be performed by PwCES on a continuing basis, as set forth
         in Exhibit 2, and tasks and functions not specifically described in
         Exhibit 2 that are required for and are incidental and directly related
         to the proper performance of such Continuing Services and that were
         being performed prior to the Commencement Date by a Transitioned
         Employee or an employee of Equifax that is not a Transitioned Employee
         but whose job responsibilities are described in Exhibit 2 (and not by a
         Third Party Provider).
<PAGE>

1.15     Critical Service Level. The term "Critical Service Level" means any
         Service Level identified in Exhibit 2 or a Change Order as a Critical
         Service Level.

1.16     Dispute. The term "Dispute" means any dispute, controversy or claim,
         including, without limitation, situations or circumstances in which the
         parties are required to mutually agree on additions, deletions or
         changes to terms, conditions or Charges, arising out of, or relating
         to, this Agreement.

1.17     Dispute Resolution Process. The term "Dispute Resolution Process" means
         the process for resolving Disputes set forth in Articles 12 and 13.

1.18     Equifax. The term "Equifax" means Equifax Inc. and, unless context
         dictates otherwise, its Affiliates receiving Services under this
         Agreement. Exhibit 7 sets forth the list of the Affiliates of Equifax,
         the operations and the locations for which Services will be provided as
         of the Commencement Date.

1.19     Equifax Data. The term "Equifax Data" means (i) all data and
         information provided or submitted by Equifax in connection with the
         Services and (ii) all such data and information processed or stored,
         and/or then provided to Equifax, as part of the Services, including,
         without limitation, data contained in forms, reports and other similar
         documents provided by PwCES as part of the Services.

1.20     Equifax Selected Employees. The term "Equifax Selected Employees" means
         employees of Equifax to whom employment will be offered by PwCES as
         listed in Exhibit 6 and pursuant to the terms set forth in the Hiring
         Plan.

1.21     Equifax Software. The term "Equifax Software" means any computer
         programs (including, without limitation, applications, utilities and
         operating systems software) owned or licensed by Equifax that will be
         used by PwCES in providing Services under this Agreement, as set forth
         in Exhibit 9.

1.22     Exhibit. The term "Exhibit" means an attachment to this Agreement as
         such attachment may be amended from time to time, each one of which is
         incorporated herein by this reference.

1.23     Hiring Plan. The term "Hiring Plan" means the plan, set forth in
         Exhibit 6, containing the terms and conditions by which PwCES will (i)
         offer employment to and hire Equifax Selected Employees and (ii) employ
         and compensate Transitioned Employees.

1.24     Impairment of Independence. The term "Impairment of Independence" means
         the occurrence or existence of any event or circumstance that PwCES or
         its Affiliates determines, in its sole but good faith judgment, that,
         as a result of the Services provided or to be provided under this
         Agreement, is inconsistent with (i) the obligations of PwCES or its
         Affiliates under the Code of Professional Ethics of the AICPA, (ii) any
         law, rule or regulation, or guideline or policy of any third party,
         applicable to PwCES or its Affiliates, including, without limitation,
         those of the Securities and Exchange Commission of the United States or
         (iii) guidelines and policies of PwCES or its Affiliates that relate to
         audit independence or otherwise interpret any such law, rule,
         regulation, guideline or policy.

1.25     Incremental Charge. The term "Incremental Charge" means, with respect
         to any particular Service, an increase, as set forth in Exhibit 1, to
         be applied on a monthly basis to the Base Charge as a result of the
         quantity of a particular Service exceeding the applicable Baseline, but
         within the Threshold Limits as provided in Section 3.05a.

1.26     Incremental Credit. The term "Incremental Credit" means, with respect
         to any particular Service, a decrease, as set forth in Exhibit 1, to be
         applied on a monthly basis, to the Base Charge as a result of the
         quantity of a particular Service falling below the applicable Baseline,
         but within the Threshold Limits as provided in Section 3.05a.

1.27     Inflation Adjustment Index. The term "Inflation Adjustment Index" means
         the inflation index set forth in Exhibit 1.

1.28     Information System. The term "Information System" means the information
         system described in Exhibit 3.

1.29     Information System Implementation Plan. The term "Information System
         Implementation Plan" means the implementation plan for the Information
         System, as set forth in Exhibit 3, that describes the milestones,
         estimated time line, responsibilities and processes for analysis,
         design, development and implementation of the Information System.

1.30     Initial Commencement Date. The term "Initial Commencement Date" means
         the first Commencement Date set forth in Exhibit 7.
<PAGE>

1.31     Key Personnel. The term "Key Personnel" means those Equifax Selected
         Employees and contractors identified as such in Exhibit 6.

1.32     Key PwCES Employees. The term "Key PwCES Employees" means the PwCES
         employees set forth in Exhibit 6.

1.33     Operating Level Agreements. The term "Operating Level Agreement" means
         that level of service that Equifax shall provide in performing certain
         of its responsibilities upon which PwCES is reliant in providing
         Services, as set forth in Exhibit 10.

1.34     Performance Bonuses. The term "Performance Bonuses" means those bonuses
         to be given to PwCES as set forth in Exhibit 1.

1.35     Performance Credits. The term "Performance Credits" means those credits
         to be given to Equifax as set forth in Exhibit 1.

1.36     Pool of Resources. The term "Pool of Resources" means the number of
         full-time equivalents set forth in Exhibit 1.

1.37     PwCES. The term "PwCES" means PwCES LLC.

1.38     PwCES Products. The term "PwCES Products" means PwCES Software and any
         hardware, software or firmware that PwCES uses to provide the Services,
         except for any hardware, software or firmware that is a Transferred
         Asset, Equifax Software or the subject of a Transferred Agreement.

1.39     PwCES Software. The term "PwCES Software" means any computer programs
         (including, without limitation, applications, utilities and operating
         systems software) or databases developed or owned by PwCES and used by
         PwCES in providing the Services, as set forth in Exhibit 8.

1.40     Service. The term "Service" means (i) a task, function or project or
         (ii) a set of related tasks, functions or projects to be performed by
         PwCES, as set forth in Exhibit 2, including Continuing Services,
         Additional Services, Ancillary Services and Termination Services.

1.41     Service Level. The term "Service Level" means, with respect to any
         Service, the minimum quality and level of service required for that
         Service, as set forth in Exhibit 2.

1.42     Services Oversight Committee. The term "Services Oversight Committee"
         means the committee, comprised of management personnel of both PwCES
         and Equifax assigned under the terms of Article 6 that shall be
         authorized and responsible for (i) generally overseeing the performance
         of this Agreement, (ii) making strategic and tactical decisions in
         respect of the establishment, budgeting and implementation of
         priorities and plans with respect to the Services and (iii) monitoring
         and resolving Disputes in accordance with Article 12.

1.43     Set of Exhibits. The term "Set of Exhibits" means a set of Exhibits
         entered into contemporaneously for a particular set of Services.

1.44     Termination Charge. The term "Termination Charge" means the charge
         payable by Equifax to PwCES as set forth in Exhibit 1.

1.45     Termination Provisions. The term "Termination Provisions" means those
         provisions relating to the termination of this Agreement, as set forth
         in Exhibit 11.

1.46     Termination Services. The term "Termination Services" means the tasks
         and functions PwCES is to perform in anticipation of and following the
         termination or expiration of this Agreement in order to achieve an
         orderly transfer of Services from PwCES to Equifax or to Equifax's
         designee, as set forth in Exhibit 11.

1.47     Territory. The term "Territory" means the geographic locations set
         forth in Exhibit 2.

1.48     Third Party Agreement. The term "Third Party Agreement" means an
         agreement set forth in Exhibit 19 pursuant
<PAGE>

         to which a Third Party Provider provides services to Equifax.

1.49     Third Party Provider. The term "Third Party Provider" means any of
         Equifax's third party providers of services.

1.50     Third Party Software. The term "Third Party Software" means any
         computer programs (including, without limitation, applications,
         utilities and operating systems software) or databases, along with
         their supporting documentation, that are used under a license by PwCES
         from a third party to provide the Services, as set forth in Exhibit 18.

1.51     Threshold Limit. The term "Threshold Limit" means, with respect to a
         Service, the maximum increase or decrease in the quantity of a Service
         provided to Equifax from the Baseline that PwCES shall undertake
         without the need for a Change Order, as set forth in Exhibit 1.

1.52     Transferred Agreements. The term "Transferred Agreements" means those
         licenses of software and all other agreements between Equifax and a
         third party set forth in Exhibit 4 that Equifax is to assign to PwCES
         and that PwCES is to assume under this Agreement.

1.53     Transferred Assets. The term "Transferred Assets" means the equipment,
         furnishings and other assets set forth in Exhibit 4 to be transferred
         by Equifax to PwCES for the provision of the Services.

1.54     Transitioned Employees. The term "Transitioned Employees" means those
         Equifax Selected Employees who accept PwCES's offer of employment and
         are hired by PwCES, as set forth in Exhibit 6.

1.55     Transition Period. The term "Transition Period" means the period
         beginning on the Commencement Date and continuing as set forth in the
         Transition Plan.

1.56     Transition Plan. The term "Transition Plan" means the document setting
         forth anticipated time lines and general activities of each of PwCES
         and Equifax during the transition of the tasks, functions and projects
         addressed by the Services from Equifax to PwCES, as set forth in
         Exhibit 5.

1.57     WARN Act. The term "WARN Act" means the Worker Adjustment and
         Retraining Notification Act of 1988, as amended, and any similar
         foreign, state or local law, regulation or ordinance.

                                 ARTICLE 2. TERM

         This Agreement shall be effective as of the execution of this Agreement
         by both parties and shall continue until the tenth (10th) anniversary
         of the Initial Commencement Date, unless terminated earlier in
         accordance with the terms of this Agreement. This Agreement shall
         automatically be renewed for two (2) year periods under the
         then-current terms and conditions, unless either party shall have
         provided written notice to the other party at least one (1) year before
         the expiration of the then-current term of its intention not to renew.

                               ARTICLE 3. SERVICES

3.01     [INTENTIONALLY OMITTED]

3.02     Services. Beginning on the Commencement Date, PwCES shall provide the
         Services as set forth in Exhibit 2 or any Change Order. The
         responsibilities of PwCES and Equifax with respect to the Services are
         set forth in Exhibit 2 or the applicable Change Order.

3.03     Transition Period.

         During the Transition Period, the parties shall:

                  (i)   Work together to implement the Transition Plan; and

                  (ii)  Develop and refine Baselines, Services, Service Levels,
                        Threshold Limits, Operating Level Agreements and Charges
                        to be applicable after the Transition Period and
                        negotiate in good faith Change Orders reflecting such
                        changes; provided, however, except as otherwise mutually
                        agreed upon by the parties in writing, any increases in
                        Charges, and any reductions in Baselines and Threshold
<PAGE>

                        Limits, as a result of such development and refinement
                        during the Transition Period, shall be made only if and
                        to the extent they relate to (a) an incorrect Assumption
                        that arises out of inaccurate information provided by
                        Equifax or a failure of Equifax to provide to PwCES
                        information Equifax has and that is requested by PwCES
                        or (b) a mutual mistake by the parties. In the event
                        that the parties are unable to agree on such Change
                        Orders during the Transition Period, the matter shall be
                        resolved through the Dispute Resolution Process.

3.04     Service Levels.

         a.       Existing Services. During the Transition Period, PwCES shall
                  provide the Services consistent with the manner in which the
                  tasks, functions or projects addressed by the Services were
                  delivered by Equifax prior to the Commencement Date or as
                  mutually agreed upon and set forth in Exhibit 2. In those
                  instances where there is neither sufficient nor historical
                  data available to establish Service Levels, the parties shall
                  mutually agree and establish such Service Levels during the
                  Transition Period. After the Transition Period, PwCES shall
                  provide the Services consistent with the Service Levels as
                  mutually agreed upon and as set forth in Exhibit 2, which in
                  no event shall be less than the manner in which the services
                  were provided by Equifax prior to the Commencement Date.

         b.       Future Services. With respect to Additional Services and
                  Ancillary Services provided by PwCES during the term of this
                  Agreement, PwCES shall provide such Services in accordance
                  with the Service Levels to be set forth in Exhibit 2, or in
                  accordance with other mutually agreed standards.

         c.       Review. Beginning the earlier of (i) two (2) years from the
                  Initial Commencement Date and (ii) the date that the
                  Information System is in day-to-day operation, and every two
                  (2) years thereafter, during the term of this Agreement, the
                  parties shall meet and evaluate the Service Levels and the
                  need to revise them.

         d.       Reporting. PwCES shall report to Equifax regarding the
                  performance of the Services relative to the Service Levels
                  according to the guidelines set forth in Exhibit 2.

         e.       Performance Credits. If PwCES fails to meet a Critical Service
                  Level for any one (1) month period, or if PwCES fails to meet
                  any other Service Level for three (3) consecutive months,
                  Equifax shall be entitled to the Performance Credits set forth
                  in Exhibit 1.

         f.       Performance Bonuses. After the first benchmarking pursuant to
                  Section 3.04h, the parties shall negotiate in good faith
                  regarding the use and amount of Performance Bonuses if PwCES
                  exceeds certain Critical Service Levels as set forth in
                  Exhibit 1.

         g.       Service Level Analysis and Resolution. Upon notice from
                  Equifax of PwCES's failure to meet a Service Level, PwCES
                  shall as soon as reasonably practicable (i) perform an
                  analysis to identify the cause of such failure, (ii) provide
                  Equifax with a report thereon and the procedure for correcting
                  the failure and (iii) provide reasonable assurances to Equifax
                  that the failure shall not recur.

         h.       Benchmarking. PwCES shall improve the quality of the Services
                  during the term of this Agreement. Beginning two (2) years
                  after the Initial Commencement Date, and every two (2) years
                  thereafter, the parties shall cause an independent third party
                  (the "Benchmarker") to conduct a benchmark study of the
                  primary Services, as determined by the Services Oversight
                  Committee, to assess the quality of the Services. The
                  Benchmarker may not be any entity listed on Exhibit 17. If
                  there is any Dispute regarding the Services to be benchmarked,
                  the parties shall focus the benchmark study on the Services
                  related to the Critical Service Levels. The fees of the
                  Benchmarker shall be shared equally by the parties. Using
                  consistent methodologies and, to the extent reasonably
                  possible, objective measurements, the Benchmarker shall
                  evaluate each specified Service with regard to Charges and
                  performance (including quality of service) and shall compare
                  the same to similar services provided to other companies in
                  the Territory of a size similar to that of Equifax by service
                  providers that have made investments similar to those made by
                  PwCES with respect to the Services (or, if the service
                  providers included in the study have not made investments
                  similar to those made by PwCES, appropriate adjustments shall
                  be made by the Benchmarker to account for the difference in
                  investments). If the benchmark study shows that the level of
                  performance being achieved by PwCES in relation to the Charges
                  (the "Performance/Price Ratio") for each of the Services is
                  not above the average Performance/Price Ratio of the other
                  companies in the study, then the Services Oversight Committee
                  shall determine, within forty-five (45)
<PAGE>

                  days after release of the benchmark study, what changes, if
                  any, should be made to the Services or Charges and by when
                  such changes should be made. If the Services Oversight
                  Committee is unable to agree on the changes, if any, to be
                  made to the Services or Charges or when such changes should be
                  made, the matter shall be submitted to the Dispute Resolution
                  Process. The cost of implementing such changes shall be borne
                  by PwCES, except to the extent that the parties agree that
                  PwCES will employ significant new technologies to implement
                  such changes, in which case the parties shall negotiate in
                  good faith a Change Order that reflects the parties' agreement
                  to share in the cost of the employment of those significant
                  new technologies. If Equifax fails to implement a
                  reengineering project as described in Section 3.13, which
                  project is commercially reasonable in light of the
                  circumstances, and such failure is the cause of PwCES's
                  Performance/Price Ratio falling below the average described
                  above for a particular Service, then this Section 3.04h shall
                  not apply to such Service.

3.05     Changes in Services.  Following the Transition Period:

         a.       Within Threshold. If the increase, decrease or change from the
                  Baseline is within the Threshold Limits for the specific
                  Service in question, then PwCES shall increase or decrease the
                  Charges for that Service by the Incremental Charge or
                  Incremental Credit, as the case may be, as specified in
                  Exhibit 1, or in an appropriate Change Order.

         b.       Beyond Threshold. If the increase, decrease or change from the
                  Baseline exceeds the Threshold Limits, then the parties shall
                  promptly negotiate in good faith the terms of a Change Order,
                  subject to Section 4.07a and Exhibit 1. The Change Order shall
                  specify, among other things, the adjustment to the Base Charge
                  for the Service in question.

         c.       Requirements. If either party reasonably determines that the
                  quantity of a Continuing Service has materially increased,
                  decreased or otherwise changed beyond the Baseline, such party
                  shall notify the other party.

         d.       Change Order. The parties shall negotiate in good faith a
                  Change Order reflecting the changes described in this Section.
                  In the event that the parties are unable to mutually agree on
                  the appropriate modification, adjustment or addition to the
                  Charges, the matter shall be submitted to the Dispute
                  Resolution Process.

3.06     Additional Services and Ancillary Services. At Equifax's request, PwCES
         may provide Additional Services and Ancillary Services. The parties
         shall negotiate in good faith to establish and mutually agree upon the
         terms of a Change Order, including, without limitation, the scope of
         Services, Service Levels and Threshold Limits (if applicable), and
         Charges pertaining to the Additional Services and Ancillary Services.
         Equifax acknowledges that PwCES may be able to increase the efficiency
         and cost-effectiveness of the Services and to improve the performance
         and delivery of the Services by providing Ancillary Services to
         Equifax. With respect to any proposed Ancillary Services that Equifax
         or any Affiliate of Equifax seeks to have provided by a third party,
         PwCES shall have the right to bid on the provision of such Ancillary
         Services.

3.07     Third Party Agreements. PwCES shall administer and coordinate the Third
         Party Agreements in accordance with their terms. PwCES shall provide
         Equifax with reasonable notice of any renewal, termination or
         cancellation dates and fees in respect of the Third Party Agreements.
         Upon the mutual written agreement of PwCES and Equifax, Equifax shall,
         to the extent permitted by a Third Party Agreement, modify, terminate
         or cancel any such agreement, and PwCES shall not renew, terminate or
         cancel any Third Party Agreement without the prior written consent of
         Equifax. Any modification, termination or cancellation fees or charges
         imposed upon Equifax in connection with any such modification,
         termination or cancellation shall be paid by Equifax, unless otherwise
         agreed upon by the parties in writing. Except with respect to those
         Third Party Agreements identified as "restricted" on Exhibit 19, if
         PwCES requests that certain Third Party Agreements be modified,
         terminated or cancelled and offers to pay any modification, termination
         or cancellation fees or charges imposed upon Equifax in connection with
         any such modification, termination or cancellation and Equifax fails to
         so modify, terminate or cancel, then the parties shall negotiate in
         good faith a Change Order reflecting appropriate adjustments in
         Charges, Service Levels and other performance obligations under this
         Agreement; provided, however, this sentence shall not apply if PwCES
         requires Equifax to use a Third Party Provider and Equifax is unable to
         obtain from such Third Party Provider commercially reasonable terms and
         conditions. Equifax, and not PwCES, shall be responsible for Equifax's
         performance under the Third Party Agreements and liable to Third Party
         Providers under the Third Party Agreements for any breach thereof by
         Equifax, except to the extent PwCES causes such breach. Each of PwCES
         and Equifax shall promptly inform the other of any breach in connection
         with any Third Party Agreement that would give rise to a termination
         right or liability, and any misuse or fraud in connection with any
<PAGE>

         Third Party Agreement of which a party becomes aware, and the parties
         shall cooperate with each other to prevent or stay any such breach,
         misuse or fraud. Subject to Article 15, any penalties or charges
         (including amounts due to a third party as a result of a party's
         failure to promptly notify the other party pursuant to the preceding
         sentence), associated taxes, legal expenses and other incidental
         expenses incurred by a party as a result of the other party's
         non-performance of its obligations under this Section with respect to a
         Third Party Agreement shall be paid by the nonperforming party. Subject
         to Article 15, any damages incurred by Equifax as a result of PwCES's
         non-performance of its obligations under this Section with respect to a
         Third Party Agreement shall be paid by PwCES, except to the extent such
         damages arise out of commercially unreasonable terms and conditions in
         such Third Party Agreement. To the extent permitted by a Third Party
         Agreement, and as requested by PwCES, Equifax shall appoint PwCES as
         its agent for all matters pertaining to the Third Party Agreements and
         promptly notify the appropriate Third Party Providers of such
         appointment. If a written agreement between Equifax and a Third Party
         Provider that provides services relating to the Services during the
         term of this Agreement is located or created, PwCES shall have the
         right to add to Exhibit 19 any such agreements.

3.08     Disbursements. Beginning on the Commencement Date, PwCES shall (i)
         receive all invoices submitted by the Third Party Providers pursuant to
         the Third Party Agreements, (ii) review and correct any errors in any
         such invoices, (iii) submit such invoices to Equifax for final
         authorization, (iv) pay such invoices within a reasonable period of
         time after receiving such authorization and prior to the due date and
         (v) be responsible for any late fees with respect to such third party
         invoices (except to the extent such late fees are incurred because of
         an action or failure to act by Equifax that affects PwCES's ability to
         pay such invoices on a timely basis). Equifax shall be responsible for
         any amounts due or payable before the Commencement Date for or in
         connection with the Third Party Agreements; provided however, that if
         PwCES receives an invoice relating to such amounts and fails to submit
         such invoice to Equifax in a timely manner, then PwCES shall be
         responsible for any late fees in respect of such invoice (except to the
         extent such late fees are incurred because of an action or failure to
         act by Equifax that affects PwCES's ability to submit such invoices on
         a timely basis).

3.09     Termination Services. PwCES shall make available to Equifax the
         Termination Services under the terms and conditions set forth in
         Exhibit 11. If Equifax elects to engage a third party to provide
         services after termination or expiration of this Agreement, then
         Equifax shall include in its contract with such third party that such
         third party (i) shall execute a confidentiality agreement in substance
         the same as is set forth in the form attached in Exhibit 15, to protect
         PwCES's and its Affiliates' and contractors' proprietary and
         confidential information and (ii) shall agree in writing not to
         solicit, for a period of two (2) years, any of PwCES's or its
         Affiliates' partners, employees or agents that become known to such
         third party as a result of the transition of the Services from PwCES to
         such third party.

3.10     Change Control Procedures. In the event that either party wishes (i) a
         change within the scope of the Services, Baselines, Service Levels or
         priorities or (ii) a change to the Charges or Exhibits, such requesting
         party's Account Executive or his or her designee shall submit a written
         proposal to the other party's Account Executive describing such desired
         change. Such party's Account Executive shall review the proposal and
         reject or accept the proposal in writing within a reasonable period of
         time, but in no event more than thirty (30) days after receipt of the
         proposal. In the event that the proposal is rejected, the writing shall
         include the reason for rejection. In the event that the proposal is
         accepted, the parties shall mutually agree on the changes to be made to
         this Agreement. The additional or modified Charges, terms and
         conditions (if any) shall be made only in a written Change Order signed
         by the Account Executive of each of the parties or his designee
         (authorized in writing by the applicable party). Notwithstanding the
         foregoing, if the need for an emergency change arises, either party's
         Account Executive or his or her designee shall submit a request for
         such change to the other party's Account Executive and PwCES shall,
         subject to the other terms and conditions of this Agreement, use
         commercially reasonable efforts to implement such change promptly and
         the parties shall thereafter agree upon a Change Order within two (2)
         business days of such submission.

3.11     PwCES's Responsibilities. In addition to any specific tasks, functions
         or projects for which PwCES is given responsibility as Services in this
         Agreement and relevant Exhibits, PwCES shall perform the following
         responsibilities during the term of this Agreement.

         a.       Employees, Agents and Contractors. In the event that Equifax
                  reasonably and in good faith determines that it is not in the
                  best interests of Equifax for any PwCES employee, agent or
                  contractor to continue in his/her capacity in the provision of
                  the Services, then Equifax shall give PwCES written notice
                  specifying the reasons for its position and requesting that
                  such employee, agent or contractor be replaced. PwCES shall
                  immediately investigate the matters stated in such notice and,
                  if it determines that Equifax's concerns are reasonable and
                  not unlawful, PwCES shall replace such employee, agent or
                  contractor. In addition, upon written notice from
<PAGE>

                  Equifax, PwCES shall use reasonable efforts to replace any
                  PwCES employee, agent or contractor who Equifax reasonably
                  believes represents a material risk to Equifax's business,
                  property or personnel.

         b.       Facilities. PwCES shall provide those employees, agents and
                  contractors of Equifax who are reasonably required to be
                  located on PwCES's premises with access to and use of space,
                  office furnishings, janitorial service, telecommunications
                  service, data processing services, utilities (including
                  heating) and office-related equipment, supplies, and
                  duplicating services in connection with the performance of the
                  Services (all such space, furnishings, equipment, supplies,
                  utilities and services to be consistent with those that PwCES
                  provides its own comparable employees). Equifax shall, and
                  shall cause its agents and contractors to, abide by PwCES's
                  policies and guidelines while on PwCES's premises.

         c.       Operating Level Agreements. PwCES shall provide notice to
                  Equifax of (i) a failure by Equifax or any third party
                  retained by, or under control of, Equifax, to provide
                  hardware, software, services, data or materials that Equifax
                  or such third party is required to provide to PwCES under this
                  Agreement and that PwCES requires to perform the Services or
                  (ii) a failure by Equifax to timely and accurately perform its
                  responsibilities as set forth in this Agreement, including,
                  without limitation a failure to comply with an Operating Level
                  Agreement, in each case within ten (10) days of becoming aware
                  that such failure is adversely affecting its ability to
                  perform in accordance with the terms of this Agreement. If
                  PwCES fails to provide such notice, then such failure shall
                  not relieve PwCES of its obligations to perform the Services
                  in accordance with this Agreement until such notice is
                  provided to Equifax.

         d.       Consent. Unless otherwise specified herein, PwCES shall not
                  unreasonably withhold or delay any consent, approval or
                  response requested by Equifax under this Agreement.

         e.       Improvements. PwCES acknowledges Equifax's desire for PwCES to
                  increase the efficiency and cost-effectiveness of the
                  Services, and to improve the performance and delivery of the
                  Services, throughout the term of this Agreement.

         f.       Records. PwCES shall (i) maintain tools and procedures
                  necessary to accurately monitor compliance with the Service
                  Levels and (ii) prepare and maintain detailed records
                  regarding its compliance with the Service Levels and the
                  determination and application of Performance Bonuses and
                  Performance Credits. Upon reasonable request, PwCES shall
                  provide Equifax with information and reasonable access to such
                  tools and procedures and the records relating thereto for
                  purposes of verification of the Service Levels. Equifax
                  acknowledges that certain tools, procedures and records do not
                  exist as of the Commencement Date, but will be developed
                  during the Transition Period.

         g.       Correction of Errors. At PwCES's expense, PwCES shall promptly
                  correct any errors or inaccuracies in the Equifax Data,
                  reports, payments and other output produced by PwCES as result
                  of providing the Services, to the extent such errors or
                  inaccuracies were caused by Services provided by PwCES, its
                  Affiliates or its or their respective agents or contractors
                  under this Agreement.

         h.       Agreements and Assets. Subject to Equifax obtaining any
                  required consents or approvals, PwCES shall assume all
                  Transferred Agreements and shall purchase and acquire all
                  Transferred Assets on the dates and for the purchase price set
                  forth on Exhibit 4.

         i.       Licenses. PwCES shall use commercially reasonable efforts to
                  negotiate licenses for Third Party Software that include a
                  right to assign or transfer to Equifax, without additional
                  payments by Equifax (or to minimize additional payments), such
                  licenses (and related maintenance agreements) upon expiration
                  or termination of this Agreement.

         j.       Internal Controls. During the term of this Agreement, PwCES
                  shall maintain an appropriate level of internal controls to
                  timely, completely and accurately record transactions and to
                  reasonably safeguard Equifax assets. At such time as PwCES
                  provides services to any other customer using the same systems
                  and processes as are used to provide the Services, PwCES shall
                  have an independent public accounting firm perform, at no cost
                  to Equifax, an annual third party review, as defined in
                  accordance with SAS # 70, of the facility from which the
                  Services are provided. The control objectives of the SAS # 70
                  review shall be mutually agreed by the parties.

         k.       Compliance. PwCES shall perform the Services in compliance
                  with applicable laws, rules and regulations.
<PAGE>

         l.       Projects. PwCES shall complete the development and
                  implementation of all organizational projects, software
                  projects, technical projects and other implementation projects
                  in progress as of the Commencement Date in a manner consistent
                  with Equifax's pre-existing implementation plans, and as set
                  forth in Exhibit 13. Equifax and PwCES shall cooperate with
                  each other in providing access to personnel and facilities,
                  and in providing the resources necessary to complete such
                  projects. Any additional costs and expenses associated with
                  the completion of such projects beyond the use of Transitioned
                  Employees shall be at Equifax's sole expense. Except in
                  connection with such pre-existing implementation plans, any
                  new technology or material changes to existing technology that
                  may affect the provision of Services shall not be implemented
                  by Equifax without PwCES's prior written approval.

3.12     Equifax's Responsibilities. In addition to any specific tasks,
         functions or projects for which Equifax is given responsibility in this
         Agreement and relevant Exhibits, Equifax shall perform the following
         responsibilities during the term of this Agreement.

         a.       Affiliates of Equifax. Equifax shall cause its Affiliates,
                  although not signatories hereto, to be bound by the terms and
                  conditions of this Agreement. Any breach of this Agreement by
                  an Affiliate of Equifax shall be deemed a breach by Equifax.

         b.       Agreements, Assets and Software. Equifax shall (i), subject to
                  obtaining any required consents or approvals, assign all
                  Transferred Agreements and sell, assign and convey all
                  Transferred Assets free of any liens or other encumbrances to
                  PwCES on the dates and for the purchase prices set forth on
                  Exhibit 4, (ii) obtain all consents or approvals necessary to
                  allow PwCES and its employees, agents and contractors to use
                  the Equifax Software owned by Equifax and (iii) obtain all
                  consents or approvals necessary to allow PwCES to use Equifax
                  Software licensed by Equifax that is not the subject of a
                  Transferred Agreement. Equifax, with PwCES's reasonable
                  cooperation, shall obtain, at Equifax's cost and expense, all
                  required consents and approvals to permit such assignments,
                  transfers and use. If, however, any required consent or
                  approval is not obtained, unless and until such required
                  consent or approval is obtained, then, as PwCES's sole remedy,
                  the parties shall cooperate with each other in achieving a
                  reasonable alternative arrangement under which PwCES may
                  perform the Services without causing a breach or violation of
                  any Transferred Agreement or any agreement relating to Equifax
                  Software for which a required consent is to be obtained. Such
                  reasonable alternative arrangements may include (i) Equifax's
                  retention of certain third party agreements that would
                  otherwise be transferred hereunder or (ii) PwCES's agreement
                  to administer and coordinate such agreements pursuant to
                  Sections 3.07 and 3.08. In addition, it is the parties' intent
                  that such reasonable alternative arrangements shall provide
                  that PwCES and its employees, agents and contractors are able
                  to exercise the rights, including, without limitation, rights
                  with respect to the licensor's maintenance obligations and
                  warranties, PwCES would have had if such Transferred Agreement
                  were assigned to PwCES or if such consents or approvals had
                  been obtained. If such arrangements do not provide such
                  rights, notwithstanding the foregoing, PwCES shall be
                  entitled, as its sole remedy (other than its rights under
                  Sections 17.02(i) and (iii)) for Equifax's failure to obtain
                  such consents or approvals, to appropriate relief in Charges,
                  Services, Service Levels and other obligations under this
                  Agreement; provided, however, that PwCES shall use diligent
                  efforts to mitigate the effects resulting from such events.
                  All required consents and approvals shall provide for (i) the
                  use by PwCES and its employees of the rights under the
                  Transferred Agreements in performing the Services and (ii) if
                  necessary, the continued use by Equifax of the rights under
                  the Transferred Agreements to perform its responsibilities
                  pursuant to this Agreement. Equifax and PwCES shall cooperate
                  in approving the terms and conditions relating to all of the
                  foregoing consents and approvals. Equifax shall be liable for
                  the expenses incurred in obtaining all of the foregoing
                  consents and approvals. PwCES's use of Equifax Software
                  licensed by Equifax will be subject to the restrictions of the
                  third party license agreements with the licensors of such
                  Equifax Software, except to the extent such restrictions
                  prohibit PwCES from using such Equifax Software.

         c.       Facilities. As set forth in Exhibit 12, Equifax shall provide
                  PwCES access to and use of office facilities and operational
                  support services, and access to and use of data processing and
                  telecommunications capabilities, that Equifax currently uses
                  to perform the tasks, functions and projects addressed by the
                  Services. In addition, Equifax shall provide those employees,
                  agents and contractors of PwCES who are reasonably required to
                  be located on Equifax's premises with access to and use of
                  space, office furnishings, janitorial service,
                  telecommunications service, data processing services,
                  utilities (including heating and air conditioning) and
                  office-related equipment, supplies, and duplicating services
                  in connection with the performance of the Services (all such
                  space, furnishings, equipment, supplies, utilities and
                  services to be consistent with those that Equifax
<PAGE>

                  provides its own comparable employees). PwCES shall, and shall
                  cause its agents and contractors to, abide by Equifax's
                  policies and guidelines while on Equifax's premises.

         d.       Relocation. If Equifax relocates its current office space or
                  otherwise causes employees, agents or contractors of PwCES to
                  relocate in order to provide any Services, Equifax shall
                  continue to provide the same access, use and support services
                  as referenced above. In the event of such relocation, Equifax
                  shall be responsible at its cost and expense (i) for moving
                  all of the office furnishings of such PwCES personnel to the
                  new location and (ii) for all of PwCES's reasonably necessary
                  costs and expenses of relocating such PwCES personnel to the
                  extent consistent with Equifax's policies regarding the
                  relocation of its own employees.

         e.       Projects. [Intentionally omitted]

         f.       Retained Equifax Employees, Consultants and Contractors.
                  Except as provided in Section 17.01, Equifax shall be
                  responsible in all respects to and for any Equifax employee,
                  consultant or contractor who (i) is not a Transitioned
                  Employee or a consultant or contractor for whom PwCES has
                  expressly assumed responsibility or otherwise engaged pursuant
                  to the terms of this Agreement, (ii) serves as Equifax's
                  Account Executive, (iii) serves on the Services Oversight
                  Committee or (iv) serves as a liaison with PwCES.

         g.       Data and Errors. Equifax shall cooperate with PwCES to address
                  the resolution of any errors, omissions or deficiencies in any
                  output produced by PwCES as a result of providing the Services
                  and provide PwCES the opportunity to correct such errors,
                  omissions or deficiencies. Upon successful resolution of such
                  errors, omissions or deficiencies, Equifax shall accept the
                  output as completed.

         h.       Permits and Approvals. Equifax shall be responsible for (i)
                  obtaining all consents and approvals under agreements to which
                  it is a party or may be bound as necessary for PwCES to
                  perform the Services while on Equifax's premises and (ii)
                  obtaining all permits and approvals from any third party
                  (including, without limitation, government agencies) relating
                  to Equifax's premises and necessary for PwCES to perform the
                  Services while on Equifax's premises.

         i.       Consent. Unless otherwise specified herein, Equifax shall not
                  unreasonably withhold or delay any consent, approval or
                  response requested by PwCES under this Agreement.

         j.       Operating Level Agreements. Equifax shall perform its
                  obligations consistent with the Operating Level Agreements set
                  forth in Exhibit 10.

         k.       Equifax Data. During the course of providing the Services,
                  PwCES may find missing values, incorrect values or
                  inconsistencies within the Equifax Data or other problems with
                  Equifax Data. In the event PwCES finds any of the foregoing
                  and provides notice to Equifax thereof, Equifax shall be
                  responsible for providing to PwCES for input by PwCES the
                  correct information with respect to the foregoing; provided,
                  however, this provision shall not apply to the extent the
                  foregoing were created by PwCES. If PwCES requires more than a
                  minor additional amount of resources to correct any of the
                  foregoing, the parties shall negotiate in good faith a Change
                  Order.

         l.       PwCES Assumptions. To the extent they affect the provision of
                  Services, the timely and correct performance by Equifax of
                  each of the foregoing responsibilities is one of the
                  Assumptions under this Agreement.

3.13     Re-engineering. PwCES may from time to time, including, without
         limitation, during the Transition Period, review the operations
         required to support Equifax and may recommend to Equifax certain
         re-engineering procedures, processes and tools. When the re-engineering
         opportunity requires Equifax to modify its methods, practices or
         policies, PwCES shall (i) present the changes to Equifax, (ii) discuss
         with Equifax the requirements of implementation and (iii) identify the
         projected benefits to both Equifax and PwCES. Equifax shall have the
         opportunity to discuss the proposed changes and to request appropriate
         modifications prior to granting approval. The parties shall work in
         good faith to determine the costs, benefits and proper level of
         commitment by both PwCES and Equifax for implementing such
         re-engineering projects, and to mutually agree on such terms and
         conditions to be set forth in a Change Order. Equifax may only refuse
         or delay implementation of such projects if such projects require
         significant additional expenditures by Equifax or are inconsistent with
         Equifax's business strategies. If Equifax fails to approve or
         adequately implement re-engineering project opportunities (other than
         those that require significant additional capital expenditures by
         Equifax), the parties shall negotiate in good faith a Change Order
         reflecting appropriate adjustments in Charges, Service Levels and other
<PAGE>

         performance obligations under this Agreement; provided, however, this
         sentence shall not apply if, as part of the re-engineering project,
         PwCES requires Equifax to use third party software and Equifax is
         unable to obtain from the vendor of such software commercially
         reasonable warranties.

3.14     Dependencies. PwCES and Equifax anticipate that the provision of
         Services shall have dependencies on the contracts between Equifax and
         Third Party Providers.

3.15     PwCES's Use of Contractors. PwCES may engage consultants, agents or
         contractors (including any of its Affiliates) to perform any Service or
         any task or subtask within the Services; provided, however, that each
         such consultant, agent and contractor shall agree to be bound (i) by
         the confidentiality provisions, and (ii) the non-solicitation
         provisions (to the extent such consultant, agent or contractor provides
         any material Service or any material task or subtask), set forth in
         this Agreement. PwCES shall not use any consultant, agent or contractor
         set forth on Exhibit 17 without Equifax's consent. To the extent that
         PwCES incurs any incremental costs as a result of Equifax's refusal to
         consent to PwCES's selection of a particular consultant, agent or
         contractor, Equifax shall pay such costs to PwCES as set forth in a
         Change Order; provided, however, PwCES shall use commercially
         reasonable efforts to mitigate the amount of the incremental costs. In
         the event any problems arise in the provision of the Services, PwCES
         and its employees, rather than PwCES contractors and agents, shall be
         the principal points of contact for Equifax with respect to the
         resolution of such problems.

3.16     No Obligation. Except as set forth in Exhibit 11, in no event shall
         PwCES be obligated to provide any Service, and PwCES shall not be
         liable for the failure to provide any such Service, that would result
         in an Impairment of Independence. PwCES is not providing any attest
         function or service under this Agreement. PwCES shall apply to Equifax
         and this Agreement its interpretations of laws, rules, regulations,
         guidelines and policies regarding audit independence in a manner
         consistent with PwCES's application of such interpretations to
         situations similar to those set forth in this Agreement.

3.17     Business Recovery and Disaster Recovery. The parties' responsibilities
         for business recovery and disaster recovery and associated costs are
         set forth in Exhibit 14.

3.18     Regulatory Changes. PwCES shall make any changes to the Services and
         take any actions necessary in order to maintain compliance with laws
         and regulations applicable to the provision of the Services. To the
         extent that regulatory or statutory changes, or changes in Equifax's
         policies or practices, that directly relate to the Services and require
         a modification to the Services shall require PwCES to incur costs and
         expenses to provide the Continuing Services beyond those required in
         fulfilling its then-current responsibilities under this Agreement, the
         parties shall negotiate in good faith a Change Order reflecting the
         additional costs to PwCES.

3.19     Pool of Resources. To the extent a task or function related to the
         Continuing Services was being performed by a Transitioned Employee
         prior to the Commencement Date (and not by a Third Party Provider) and
         such task or function is not specifically described in Exhibit 2 or
         Exhibit 13 or within the definition of Continuing Services, PwCES shall
         use the Pool of Resources to perform such task or function and such
         task or function shall thereafter be deemed a Continuing Service.

                         ARTICLE 4. CHARGES AND PAYMENTS

4.01     Charges. In consideration of PwCES providing the Services, Equifax
         shall pay to PwCES the Charges as set forth in Exhibit 1.

4.02     Incremental Charges or Credits. In consideration of an increase in the
         quantity of any Continuing Service, which increase is within the
         Threshold Limits, Equifax shall pay to PwCES the Incremental Charges,
         as set forth in Exhibit 1. In consideration of a decrease in the
         quantity of any Continuing Service, which decrease is within the
         Threshold Limits, PwCES shall credit or reimburse Equifax the
         Incremental Credits, as set forth in Exhibit 1.

4.03     Annual Inflation Index Adjustment. PwCES shall apply an inflation
         adjustment, based on the Inflation Adjustment Index, to the Charges, as
         set forth in Exhibit 1.

4.04     Payment Terms.

         a.       Invoice in Advance. PwCES shall issue an invoice to Equifax no
                  more than ten (10) business days in advance
<PAGE>

                  of the beginning of each month during the term of this
                  Agreement for the amount of the Base Charge for that month and
                  other Charges for that month relating to the recurring
                  Services.

         b.       Invoice in Arrears. PwCES shall issue an invoice to Equifax
                  within ten (10) business days after the end of each month
                  during the term of this Agreement for the amount of all
                  Incremental Charges, charges for Additional Services and
                  Ancillary Services (except for those Charges paid in advance
                  pursuant to Section 4.04a), Performance Bonuses due PwCES and
                  any other charges incurred during the previous month, which
                  invoice shall also include all Incremental Credits,
                  Performance Credits and any other credits due Equifax during
                  the previous month.

         c.       Payments. All invoices submitted by PwCES to Equifax are due
                  and payable within thirty (30) days of the receipt of the
                  invoice, subject to Equifax's right to withhold payment in the
                  event of a good faith dispute pursuant to Section 4.04e. Late
                  payments shall accrue interest from the invoice date at the
                  lesser of (i) one-and-one-half percent (1 1/2%) per month and
                  (ii) the highest rate allowed by law. Subject to Section
                  4.04e, if Equifax fails to pay any invoice within thirty (30)
                  days after the invoice date, and thereafter fails to make such
                  payment within fifteen (15) days after written notice from
                  PwCES of such failure, PwCES may, in addition to any other
                  remedies available to it under this Agreement, suspend
                  performance of Services.

         d.       Credits. With respect to any amounts to be paid or reimbursed
                  by PwCES to Equifax pursuant to this Agreement, including,
                  without limitation, Incremental Credits and Performance
                  Credits, PwCES may, at its option, pay that amount to Equifax
                  by giving Equifax a credit against Charges otherwise payable
                  to PwCES.

         e.       Disputed Amounts. If Equifax, in good faith, disputes any
                  Charges regarding the Services, it may withhold any such
                  disputed amounts (except for applicable taxes) from the
                  invoice in the second month following the month in which the
                  dispute arose if the problem giving rise to the dispute has
                  not been resolved to Equifax's reasonable satisfaction by the
                  time payment on such invoice is due. Upon request, Equifax
                  shall pay the withheld amounts into an interest-bearing escrow
                  account. In accordance with the resolution of the Dispute,
                  Equifax shall pay to PwCES withheld amounts, plus interest
                  accrued on such withheld amounts, and the escrow agent shall
                  release the withheld amounts to the parties. Regardless of any
                  Dispute, Equifax shall remit to PwCES the invoiced amount
                  minus the disputed amount.

4.05     Taxes.

         a.       Inclusive Taxes. The Charges are inclusive of any sales, use,
                  gross receipts or value added, withholding, ad valorem or
                  other taxes based on or measured by PwCES's cost in acquiring
                  equipment, materials, supplies or services used by PwCES in
                  providing the Services. Further, each party shall bear sole
                  responsibility for any real or personal property taxes on any
                  property it owns or leases, for franchise or similar taxes on
                  its business, for employment taxes on its employees and for
                  taxes on its net income.

         b.       Additional. Except as set forth in Section 4.05a, if a sales,
                  use, privilege, value added, excise, services or similar tax
                  is assessed on the provision of the Services by PwCES to
                  Equifax on PwCES's Charges to Equifax under this Agreement,
                  however levied or assessed, Equifax shall be responsible for
                  and pay the amount of any such tax. There will be added to any
                  Charges hereunder, and Equifax shall pay to PwCES, amounts
                  equal to any such taxes, however designated or levied, based
                  upon such Charges, or upon this Agreement or any Services or
                  items provided hereunder, or their use, and any such taxes or
                  amounts in lieu thereof paid or payable by PwCES in respect of
                  the foregoing. PwCES shall set forth in invoices provided to
                  Equifax those Services that are subject to tax.

         c.       Cooperation. The parties shall cooperate reasonably with each
                  other to determine accurately each party's tax liability and
                  to minimize such liability to the extent legally permissible.
                  To substantiate any claimed exemptions, Equifax shall supply
                  to PwCES the appropriate exemption or resale certificates.

4.06     Verification of Assumptions. The Charges, Services and Service Levels
         are based on Assumptions derived in part from information provided by
         Equifax to PwCES. Equifax shall be responsible for the accuracy of any
         representations it made as part of the due diligence and negotiation
         process and on which the Assumptions are based. In the event of any
         material deviation from these representations during the Transition
         Period, or during the first twelve (12) months after the Commencement
         Date with respect to those Services or components of Services not
         delivered during the Transition Period, the parties shall negotiate in
         good faith to define and mutually agree upon adjustments that shall be
         consistent
<PAGE>

         with the intent of the parties. Any such agreed adjustment shall be set
         forth in a Change Order.

4.07     Significant Business Changes and Additional Business Units.

         a.       Business Changes. Subject to any minimum revenue commitments
                  set forth in Exhibit 1, in the event that the Continuing
                  Services fall outside of the Threshold Limits for the period
                  of time set forth in Exhibit 1, Equifax and PwCES shall
                  negotiate and mutually agree upon an appropriate adjustment to
                  the Charges, pursuant to Exhibit 1.

         b.       Changes in Business Units. The parties may agree to add new
                  Affiliates of Equifax to this Agreement. Equifax shall share
                  information with PwCES to allow PwCES to determine the level
                  of resources that will be required to meet Equifax's needs
                  with respect to such new Affiliates. PwCES and Equifax shall
                  negotiate (i) a Change Order to accommodate the addition of
                  any new Affiliates to this Agreement or (ii) a Change Order to
                  accommodate the removal of an Affiliate from this Agreement.
                  If Equifax sells an Affiliate to a third party, Equifax may
                  remove such Affiliate from this Agreement, subject to an
                  appropriate reduction of the minimum revenue commitments set
                  forth in Exhibit 1; provided, however, such reduction shall
                  not be made if such Affiliate continues to purchase the
                  Services from PwCES after its removal. If Equifax sells an
                  Affiliate to a third party that desires to have PwCES continue
                  to provide services similar to the Services, PwCES shall
                  negotiate in good faith to provide services similar to the
                  Services to such Affiliate on a basis substantially comparable
                  to the basis on which PwCES provides Services to Equifax,
                  provided there would be (x) in PwCES's reasonable discretion
                  based on PwCES's due diligence review of such Affiliate, no
                  potential material adverse risk to PwCES in providing such
                  services or (y) no Impairment of Independence. If such
                  Affiliate continues to purchase the Services from PwCES after
                  its removal, the Charges paid by such Affiliate shall count
                  towards the minimum revenue commitments set forth in Exhibit
                  1.

4.08     Insecurity and Adequate Assurances. If Equifax fails to make payments
         due hereunder in a timely manner, PwCES may demand adequate assurances
         in writing of Equifax's ability to meet its payment obligations under
         this Agreement. Unless Equifax provides the assurances within thirty
         (30) days and in a manner acceptable to PwCES, Equifax shall pay to
         PwCES a security deposit equal to three (3) months' aggregate Charges.

4.09     Most Favored Customer. If PwCES or any of its Affiliates provides any
         services in the Territory to a third party from the same facilities as
         Services are provided to Equifax that are comparable to the Services in
         scope and complexity, for a similar or shorter duration and for similar
         or lesser volumes (collectively, "Comparable Services"), on terms and
         conditions in the aggregate that would be more favorable to Equifax
         than those contained herein, then PwCES shall give prompt written
         notice thereof to Equifax and Equifax shall have the option to replace
         all of the terms and conditions of this Agreement with all such more
         favorable terms. On each anniversary of the Initial Commencement Date
         and at such other times as Equifax may request (based on Equifax's
         reasonable belief that PwCES has an obligation under this Section),
         PwCES shall deliver to Equifax a certificate duly executed by an
         appropriate executive of PwCES, certifying that, as of the date of such
         certificate, and at all times since the date of the last certification
         pursuant to this Section (or since the Initial Commencement Date if
         there has been no prior certification), stating that PwCES is and has
         been in compliance with this Section. If the parties are unable to
         agree as to PwCES's compliance with the requirements of this Section
         or, as to the appropriate means to effectuate this Section, then such
         issue shall be determined pursuant to the Dispute Resolution Process.
         The parties acknowledge and agree that the provisions of this Section
         have been included in this Agreement to induce Equifax to agree to the
         exclusivity provisions of this Agreement, and that they are intended to
         ensure that the Services are provided to Equifax on terms and
         conditions granted by PwCES and its Affiliates to its most favored
         customers obtaining Comparable Services in the Territory.

                                ARTICLE 5. AUDITS

5.01     Audit of Charges. Upon not less than thirty (30) days prior written
         notice, and no more than one (1) time during any calendar year during
         the term of this Agreement, PwCES shall provide to Equifax access to
         PwCES's financial records and supporting documentation necessary to
         verify PwCES's invoices to Equifax (including, without limitation,
         expenses). Equifax shall bear the costs of any such audit. In the event
         the audit results in a determination that PwCES has undercharged
         Equifax, then the amount of such undercharge shall be treated, for
         invoicing and payment purposes, as an adjustment in arrears for the
         month in which the undercharge is discovered or in the month in which
         the final resolution occurs. In the event the audit results in a
         determination that PwCES has overcharged Equifax, then the amount of
         such overcharge (plus interest) shall be treated, for invoicing and
         payment purposes, as a credit in arrears for the month in which the
         overcharge is discovered or in the month in which the final resolution
         occurs. If the amount of
<PAGE>

         the overcharge is equal to or exceeds five percent (5%) of the total
         amount of the Charges for the calendar year in which the audit occurs,
         PwCES shall reimburse Equifax for the reasonable costs of the audit.

5.02     Audit of Services. Upon not less than thirty (30) days prior written
         notice, or such notice as may be reasonable under the circumstances,
         and during regular business hours, PwCES will make available to
         Equifax's financial management, external auditors, examiners and
         regulators and their designees such books, records, information and
         documentation of internal controls relating to Equifax and maintained
         by PwCES in the normal course of processing Equifax's transactions.
         Copies of requested information shall not be unreasonably withheld but
         at all times are subject to the approval of Equifax's representatives
         having authority to release such information to interested parties.
         Analyses, documentation and other information not maintained by PwCES
         in the normal course of providing Services will be prepared by PwCES
         for use in the audit or examination process as an Additional Service.

5.03     Equifax Internal Audit. Equifax's internal auditors shall have the
         right, without notice, and during regular business hours, to request
         access to Equifax books, records, information and documentation of
         internal controls relating to Equifax and maintained by PwCES in the
         normal course of processing Equifax's transactions and access to all
         personnel providing the Services. Equifax shall use reasonable judgment
         in requesting such books, records, information and documentation and
         shall not unduly disrupt the operation of PwCES's business. PwCES shall
         cooperate reasonably and in good faith with (i) Equifax's review of the
         administration of the benefit plans covered by Exhibit 2, including
         compliance with the documents governing such plans and compliance with
         applicable laws, rules and regulations and (ii) remedial actions
         determined by Equifax to be required in connection therewith. Analyses,
         documentation and other information not maintained by PwCES in the
         normal course of providing Services will be prepared by PwCES for use
         in the audit, examination process, review and remediation as an
         Additional Service.

5.04     PwCES Internal Audit. If, as a result of an internal audit conducted by
         PwCES, at its own expense, PwCES determines that it has undercharged
         Equifax (including, without limitation, Base Charges, Incremental
         Charges and expenses), then the amount of such undercharge shall be
         treated, for invoicing and payment purposes, as an adjustment in
         arrears for the month in which the undercharge is discovered or the
         month in which the final resolution occurs. In the event the audit
         results in a determination that PwCES has overcharged Equifax, then the
         amount of such overcharge shall be treated, for invoicing and payment
         purposes, as a credit in arrears for the month in which the overcharge
         is discovered or in the month in which the final resolution occurs.

5.05     PwCES Audit of Equifax. Upon not less than thirty (30) days prior
         written notice, and no more than one (1) time during any calendar year
         during the term of this Agreement, Equifax shall provide to PwCES
         access to Equifax's financial records and supporting documentation
         necessary to verify the credits or reimbursements given to Equifax by
         PwCES. PwCES shall bear the costs for any such audit. In the event the
         audit results in a determination that such credits or reimbursements
         were incorrect, then such incorrect amount shall be corrected
         appropriately in arrears for the month in which such incorrect amount
         is discovered or in the month in which the final resolution occurs.

5.06     Equifax Security Audit of PwCES. During the term of this Agreement,
         PwCES shall provide to Equifax access to PwCES's facilities so that
         Equifax can ensure PwCES's compliance with the confidentiality
         provisions set forth in Article 9. In the event the audit results in a
         determination that PwCES is not in full compliance with such
         provisions, the parties will meet and agree upon the steps PwCES must
         take to bring it into full compliance and PwCES shall promptly take
         such steps. For each audit after the second such audit in a calendar
         year during the term of this Agreement, Equifax shall reimburse PwCES
         for the reasonable costs, if any, PwCES incurs in providing such
         access. Any audit pursuant to this Section that reveals a material
         non-compliance with Article 9 shall be deemed not to have occurred for
         purposes of the preceding sentence of this Section.

                    ARTICLE 6. MANAGEMENT AND HUMAN RESOURCES

6.01     PwCES Account Executive. PwCES shall designate, prior to the Initial
         Commencement Date, a PwCES Account Executive to whom all of Equifax's
         communications shall be addressed and who has the authority to act for
         and bind PwCES and its contractors in connection with all aspects of
         this Agreement.

         a.       Selection. Before assigning an individual to the position of
                  Account Executive, whether the person is initially assigned or
                  subsequently assigned, PwCES shall:

                  (i)   notify Equifax of the proposed assignment for Equifax's
                        approval;
<PAGE>

                  (ii)  introduce the individual to appropriate Equifax
                        representatives; and

                  (iii) consistent with law and PwCES's reasonable personnel
                        practices, provide Equifax with any other information
                        about the individual that is reasonably requested.

         b.       Term. PwCES shall cause the person assigned to the position of
                  Account Executive to devote substantial time and effort to the
                  provision of the Services under this Agreement. PwCES shall
                  use commercially reasonable efforts to maintain the PwCES
                  Account Executive at PwCES for the minimum term of twenty four
                  (24) months during the first twenty four (24) months after the
                  Initial Commencement Date and twelve (12) months thereafter,
                  unless such Account Executive (i) voluntarily resigns from
                  PwCES, (ii) is dismissed by PwCES for (a) misconduct or (b)
                  unsatisfactory performance in respect of his or her duties and
                  responsibilities to Equifax or PwCES, (iii) is unable to work
                  due to his or her death, injury or disability or (iv) is
                  reassigned because of personal requirements. PwCES shall not
                  reassign the Account Executive during the foregoing minimum
                  terms except for personal requirements not related to career
                  development. Whenever possible, PwCES shall give Equifax at
                  least sixty (60) days advance notice of a change of the
                  Account Executive or if such sixty (60) days notice is not
                  possible, the longest notice otherwise possible.

         c.       Removal. In the event that Equifax reasonably and in good
                  faith determines that it is not in the best interests of
                  Equifax for the PwCES Account Executive to continue in his or
                  her capacity, then Equifax shall give PwCES written notice
                  specifying the reasons for its position and requesting that
                  the Account Executive be replaced. PwCES shall immediately
                  investigate the matters stated in such notice and, if it
                  determines that Equifax's concerns are reasonable and not
                  unlawful, PwCES shall replace the Account Executive in
                  accordance with Section 6.01a.

6.02     Equifax Account Executive. Equifax shall designate, prior to the
         Initial Commencement Date, an Equifax Account Executive to whom all of
         PwCES's communications shall be addressed and who has the authority to
         act for and bind Equifax and its contractors in connection with all
         aspects of this Agreement.

         a.       Selection. Before assigning an individual to the position of
                  Account Executive, whether the person is initially assigned or
                  subsequently assigned, Equifax shall:

                  (i)   notify PwCES of the proposed assignment for PwCES's
                        approval;

                  (ii)  introduce the individual to appropriate PwCES
                        representatives; and

                  (iii) consistent with law and Equifax's reasonable personnel
                        practices, provide PwCES with any other information
                        about the individual that is reasonably requested.

         b.       Term. Equifax shall cause the person assigned to the position
                  of Account Executive to devote substantial time and effort to
                  the management of Equifax's responsibilities under this
                  Agreement. Equifax shall use commercially reasonable efforts
                  to maintain the Equifax Account Executive at Equifax for the
                  minimum term of twenty four (24) months during the first
                  twenty four (24) months after the Initial Commencement Date
                  and twelve (12) months thereafter, unless such Account
                  Executive (i) voluntarily resigns from Equifax, (ii) is
                  dismissed by Equifax for (a) misconduct or (b) unsatisfactory
                  performance in respect of his or her duties and
                  responsibilities to Equifax or PwCES, (iii) is unable to work
                  due to his or her death, injury or disability or (iv) is
                  reassigned because of personal requirements. Equifax shall not
                  reassign the Account Executive during the foregoing minimum
                  terms except for personal requirements not related to career
                  development. Whenever possible, Equifax shall give PwCES at
                  least sixty (60) days advance notice of a change of the
                  Account Executive or if such sixty (60) days notice is not
                  possible, the longest notice otherwise possible.

         c.       Removal. In the event that PwCES reasonably and in good faith
                  determines that it is not in the best interests of PwCES for
                  the Equifax Account Executive to continue in his or her
                  capacity, then PwCES shall give Equifax written notice
                  specifying the reasons for its position and requesting that
                  the Account Executive be replaced. Equifax shall immediately
                  investigate the matters stated in such notice and, if it
                  determines that PwCES's concerns are reasonable and not
                  unlawful, Equifax shall replace the Account Executive in
                  accordance with Section 6.02a.
<PAGE>

6.03     Services Oversight Committee. Within fifteen (15) days after the
         Initial Commencement Date, Equifax shall appoint three (3) members of
         Equifax's management staff, including the Equifax Account Executive,
         and PwCES shall appoint three (3) members of PwCES's management staff,
         including the PwCES Account Executive, to serve on the Services
         Oversight Committee. For the first twelve (12) months after the Initial
         Commencement Date, one of the PwCES members shall act as the chairman
         of the Services Oversight Committee; each twelve (12) months thereafter
         the parties shall alternate selecting the chairman. The Services
         Oversight Committee shall be authorized and responsible for (i)
         generally overseeing the performance of this Agreement and (ii)
         monitoring and resolving Disputes in accordance with Article 12.

6.04     Equifax Selected Employees' Employment with PwCES. PwCES shall offer to
         hire those Equifax Selected Employees who (i) are actively employed by
         Equifax as of the Commencement Date and (ii) meet such other reasonable
         hiring requirements of PwCES to the satisfaction of PwCES. PwCES shall
         be solely responsible for making such offers of employment to such
         Equifax Selected Employees. PwCES's plan regarding (a) Equifax Selected
         Employees, (b) offers of employment to such Equifax Selected Employees
         and (c) Transitioned Employee benefits is described in the Hiring Plan.

6.05     Right to Terminate and Transfer. PwCES shall have the right, in its
         sole discretion, (i) to terminate any Transitioned Employee or (ii) to
         transfer any Transitioned Employee to an Affiliate of PwCES, subject to
         Section 6.08.

6.06     Employment with PwCES. Equifax shall use reasonable efforts to ensure
         that all of the Equifax Selected Employees to whom PwCES offers
         employment accept such positions with PwCES. In the event that a
         significant number of Equifax Selected Employees offered employment by
         PwCES fail to accept such employment offer, the parties shall negotiate
         in good faith appropriate relief in Charges, Services, Service Levels
         and other obligations under this Agreement pursuant to the Change
         Control Procedures; provided, however, that PwCES shall use diligent
         efforts to mitigate the effects resulting from such event.

6.07     Key Personnel. In the event that the number of Key Personnel set forth
         in Exhibit 6 fail to accept PwCES's employment offer or fail to enter
         into an independent contractor agreement with PwCES, the parties shall
         negotiate in good faith appropriate relief in Charges, Services,
         Service Levels and other obligations under this Agreement pursuant to
         the Change Control Procedures. PwCES shall use diligent efforts to
         mitigate the effects resulting from such event.

6.08     Key PwCES Employees. PwCES shall use reasonable efforts to assign each
         Key PwCES Employee to provide the Services for a minimum term of twelve
         (12) months, unless (i) Equifax consents to the reassignment or
         replacement of such Key PwCES Employee, (ii) reassignment or
         replacement of such Key PwCES Employee will not have a more than minor
         adverse effect on the Services or (iii) such Key PwCES Employee (a)
         voluntarily resigns from PwCES, (b) is dismissed by PwCES for (x)
         misconduct or (y) unsatisfactory performance in respect of his or her
         duties and responsibilities to Equifax or PwCES, (c) is unable to work
         due to his or her death, injury or disability or (d) is reassigned
         because of personal requirements. PwCES shall not reassign Key
         Employees during the foregoing minimum terms except for personal
         requirements not related to career development.

                       ARTICLE 7. TRADEMARKS AND MARKETING

7.01     Use of Trademarks. For so long as PwCES is in substantial compliance
         with the Service Levels, PwCES shall be permitted to use Equifax's name
         and logos as necessary to market PwCES's services that are similar to
         some or all of the Services, subject to Equifax's right to approve such
         use; provided, however, no approval shall be necessary to the extent
         PwCES is merely using Equifax's name or logos in a list of customers.
         Equifax shall have no rights to use PwCES's or its Affiliate's
         trademarks, service marks or trade names for any purpose without the
         prior approval of PwCES.

7.02     Marketing Cooperation. For so long as PwCES is in substantial
         compliance with the Service Levels, Equifax shall cooperate with PwCES,
         at PwCES's reasonable request and at no charge to PwCES, in marketing
         functions, tasks and projects addressed by the Services to third
         parties. Equifax's cooperation shall be subject to reasonable notice by
         PwCES, Equifax's availability and a lack of more than a minor impact of
         such cooperation on Equifax's business operations. By way of example
         and not limitation, and subject to the foregoing limitations, Equifax
         shall (i) allow and participate in reasonable on-site visits by
         prospective customers (who have entered into appropriate
         confidentiality agreements with Equifax) and (ii) cooperate with PwCES
         in preparing and publishing articles on PwCES's services. Equifax shall
         refer to PwCES all inquiries and opportunities directed to Equifax,
         about which Equifax becomes aware, for PwCES to provide functions,
         tasks and projects addressed by the Services to any third party.
<PAGE>

                          ARTICLE 8. PROPRIETARY RIGHTS

8.01     Definitions.

         a.       The term "Materials" means literary works or other works of
                  authorship, such as computer programs, computer program
                  listings, program tools, documentation, reports and drawings,
                  as well as user manuals, charts, graphs and other written
                  documentation and machine-readable text and files, including,
                  without limitation, computer programming code (including
                  source code and object code), in each case used in or
                  initially developed in connection with the Services.

         b.       The term "Derivative Work" means a work based on one or more
                  preexisting works, including, without limitation, a
                  condensation, transformation, expansion or adaptation, that,
                  if prepared without authorization of the owner of the
                  copyright of such preexisting work, would constitute a
                  copyright infringement.

8.02     PwCES Materials. All copyright, patent, trademark and other
         intellectual property rights in the PwCES Software and preexisting
         Materials of PwCES or its Affiliates shall be the property of PwCES or
         its Affiliates, as the case may be. With respect to any Materials
         developed solely by PwCES, its Affiliates or its or their contractors,
         or jointly by Equifax personnel and PwCES, its Affiliates or its or
         their contractors, under this Agreement or in the performance of
         Services, except as otherwise expressly set forth in this Agreement
         (e.g., Additional Services), ownership will be as follows:

         a.       Materials that constitute a Derivative Work for which the
                  preexisting copyright is owned by Equifax, shall be owned by
                  Equifax, and PwCES shall have (i) an irrevocable,
                  nonexclusive, worldwide, paid-up license to access, use,
                  execute, reproduce, display, perform, prepare derivative works
                  of and distribute such Materials only in connection with (a)
                  the Services or (b) services provided to third parties from
                  the facility from which the Services are provided and (ii) the
                  right to sublicense third parties to do any of the foregoing.
                  Such license shall include the Materials of Equifax for which
                  the preexisting copyright is owned by Equifax and upon which
                  such Derivative Work is based, but only to the extent such
                  Materials are embodied in, or necessary for the exercise of
                  the license to, such Derivative Work.

         b.       Materials that constitute a Derivative Work for which the
                  preexisting copyright is owned by PwCES, its contractors or a
                  third party shall, as between PwCES and Equifax, be owned by
                  PwCES, and during the term of this Agreement Equifax shall
                  have (i) an irrevocable, nonexclusive, worldwide, paid-up
                  license to access, use, execute, reproduce, display, perform,
                  prepare derivative works of and distribute such Materials
                  internally within Equifax and its Affiliates solely in
                  connection with the Services and (ii) the right to sublicense
                  third parties to do any of the foregoing.

         c.       Materials that do not constitute a Derivative Work of any
                  Materials owned by Equifax, PwCES or any third party shall be
                  owned by PwCES, and during the term of this Agreement Equifax
                  shall have (i) an irrevocable, nonexclusive, worldwide,
                  paid-up license to access, use, execute, reproduce, display,
                  perform, prepare derivative works of and distribute such
                  Materials internally within Equifax and its Affiliates solely
                  in connection with the Services and (ii) the right to
                  sublicense third parties to do any of the foregoing; provided,
                  however, with respect to any such Materials developed jointly
                  by Equifax personnel and PwCES, its Affiliates or its or their
                  contractors, PwCES shall not use, for any entity other than
                  Equifax or its Affiliates, any portion of such Materials
                  specific to Equifax operations, procedures or management
                  processes that are Confidential Information of Equifax.

         d.       If, pursuant to a Change Order, Materials are developed by
                  PwCES for use in connection with the Services, at an
                  additional cost to Equifax, then prior to such development,
                  the parties shall mutually agree in writing on the ownership
                  and use of such Materials.

8.03     Equifax Materials. With respect to any Materials that are or have been
         developed (i) solely by Equifax, whether or not developed under this
         Agreement or (ii) for Equifax prior to this Agreement, such Materials
         shall be owned by Equifax, and during the term of this Agreement PwCES
         shall have (a) an irrevocable, nonexclusive, worldwide, paid-up license
         to access, use, execute, reproduce,
<PAGE>

         display, perform, prepare derivative works of and distribute such
         Materials internally within PwCES solely in connection with the
         Services and (b) the right to sublicense third parties to do any of the
         foregoing. With respect to those items of Equifax Software designated
         as "for use by PwCES for third parties" on Exhibit 9, the license set
         forth in the preceding sentence shall also include the right to access,
         use, execute, reproduce, display, perform, prepare derivative works of
         and distribute such Equifax Software internally within PwCES in
         connection with services provided to third parties from the facility
         from which the Services are provided and the right to sublicense third
         parties to do any of the foregoing. Each party waives any claims for
         indemnification against the other party with respect to any third party
         claims that may arise from PwCES's use of Equifax Software for third
         parties pursuant to the preceding sentence.

8.04     Derivative Works of PwCES Materials. With respect to any Materials that
         are developed solely by Equifax and that constitute a Derivative Work
         of any Materials for which the preexisting copyright is owned by PwCES
         or its Affiliates, such Materials shall be owned by PwCES or its
         Affiliates, and during the term of this Agreement Equifax shall have
         (i) an irrevocable, nonexclusive, worldwide, paid-up license to access,
         use, execute, reproduce, display, perform, prepare derivative works of
         and distribute such Materials internally within Equifax and its
         Affiliates solely in connection with the Services and (ii) the right to
         sublicense third parties to do any of the foregoing.

8.05     Limitation. Any ownership or license rights herein granted to either
         party are limited by and subject to any intellectual property rights
         (including, without limitation, patents and copyrights) held by, and
         terms and conditions of any license agreements with, applicable vendor
         software providers, excluding PwCES and its Affiliates.

8.06     Assignment. To the extent any of the Materials may not, by operation of
         law, be owned by the party to which ownership has been granted (as
         described in this Article), each party agrees to assign and hereby
         assigns, without further consideration, the ownership of all right,
         title and interest in all United States of America and foreign
         copyrights in such Materials to the other party, and such assignee
         party shall have the right to obtain and hold in its own name
         copyrights, registrations, renewals and all other rights relating or
         pertinent thereto.

8.07     Inventions. The term "Invention" means any idea, concept, know-how or
         technique that either party first conceives or reduces to practice in
         connection with performance of the Services during this Agreement and
         for which a patent application is or could be filed. Inventions will be
         treated as follows:

                  (i)   if made by Equifax personnel, it shall be Equifax
                        property and Equifax grants PwCES a nonexclusive,
                        perpetual, irrevocable, worldwide and paid-up license
                        under such Invention, and under any patent application
                        and patents issued thereon;

                  (ii)  if made by PwCES personnel, it shall be PwCES's property
                        and PwCES grants Equifax a nonexclusive, perpetual,
                        irrevocable, worldwide and paid-up license under such
                        Invention, and under any patent application and patents
                        issued thereon;

                  (iii) if made by PwCES and Equifax personnel jointly (a) it
                        shall be PwCES's property, (b) PwCES grants Equifax a
                        nonexclusive, perpetual irrevocable, worldwide and
                        paid-up license under such Invention, and under any
                        patent application and patents issued thereon, (c) if
                        PwCES intentionally decides not to pay any or all of the
                        required maintenance fees for the patent for such
                        Invention, it shall promptly notify Equifax of its
                        decision and if Equifax elects to pay any such fee,
                        PwCES shall assign such patent to Equifax and PwCES
                        shall retain a license equivalent to that granted to
                        Equifax pursuant to subsection (b) above, (d) Equifax
                        shall have the right to file for and obtain ownership of
                        patent and other intellectual property rights with
                        respect to such Invention in any territory where Equifax
                        plans to use such Invention if PwCES has not so filed or
                        fails to so file within sixty (60) days of written
                        notice to PwCES and PwCES shall retain a license
                        equivalent to that granted to PwCES pursuant to
                        subsection (c) above and (e) the owner of a patent in a
                        territory shall reimburse the other party with respect
                        to any enforcement or other actions with respect to such
                        patent and shall retain all damages awarded thereon;

                  (iv)  all licenses granted to either party include the right
                        to make, have made, use, have used, import, offer to
                        sell, sell, lease or otherwise transfer any apparatus,
                        or practice and have practiced any method and shall
                        include the right to grant, directly or indirectly,
                        revocable or irrevocable sublicenses to Affiliates of
                        such party; and

                  (v)   nothing contained in this Agreement shall be deemed to
                        grant any license under any patents or patent
                        applications arising out of any other inventions of
                        either party.

8.08     Licenses. To the extent that either PwCES or Equifax licenses any
         Materials of the other party to a third party, each
<PAGE>

         such license shall be in writing and shall contain provisions that
         protect the owning party's intellectual property rights in such
         Materials, including, without limitation, confidentiality provisions
         and provisions that appropriately limit the use and number of copies of
         the Materials.

8.09     Sale of an Affiliate. Equifax may extend to (i) an Affiliate sold or
         otherwise transferred to a third party, (ii) a business unit of Equifax
         or an Affiliate that is sold or otherwise transferred to a third party,
         or (iii) a business unit of Equifax or an Affiliate of Equifax that is
         distributed via a stock dividend or other distribution to the
         stockholders of Equifax (collectively a "Transferred Affiliate"), in
         each case for such Transferred Affiliate's own internal use only, the
         rights in Materials granted to Equifax pursuant to this Article 8;
         provided, however, such Transferred Affiliate must agree in writing to
         be bound by the obligations set forth in this Article 8 and by
         provisions that protect PwCES's intellectual property rights in such
         Materials, including, without limitation, confidentiality provisions
         and provisions that appropriately limit the use (by or for such
         Transferred Affiliate only) and number of copies of such Materials and
         provided further that PwCES had provided Services to such Affiliate or
         business unit.

                       ARTICLE 9. CONFIDENTIALITY AND DATA

9.01     Confidential Information. The term "Confidential Information" means the
         terms and conditions of this Agreement and all information, data,
         knowledge and know-how (in whatever form and however communicated)
         relating directly or indirectly to the disclosing party (or to its
         Affiliates or contractors, or to its or their businesses, operations,
         properties, products, markets or financial positions) that is delivered
         or disclosed by such party or any of its officers, directors, partners,
         members, employees, agents, Affiliates or shareholders to the other
         party in writing, electronically, orally or through visual means, or
         that such party learns or obtains aurally, through observation or
         analyses, interpretations, compilations, studies or evaluations of such
         information, data, knowledge or know-how. All information that
         qualified as Confidential Information pursuant to the Confidentiality
         Agreement dated June 25, 1998 by and between PwCES and Equifax shall be
         deemed Confidential Information under this Agreement.

9.02     Ownership. All Equifax Data shall be owned by Equifax. Without limiting
         the foregoing, Equifax may use the Equifax Data in any manner, and may
         provide the Equifax Data to third parties. PwCES shall not use the
         Equifax Data except in connection with the provision of the Services,
         and shall not disclose, sell, assign, lease or otherwise provide the
         Equifax Data to third parties, except as specifically permitted by
         Equifax in writing or as necessary to perform the Services. Upon
         request of Equifax, and at any time during the term of this Agreement,
         and upon expiration or termination of this Agreement for any reason,
         PwCES shall promptly provide copies of all or any part of the Equifax
         Data to Equifax, in the form or format and on the media requested by
         Equifax; provided, however, that Equifax shall reimburse PwCES for its
         costs to provide the Equifax Data in a form or format not then being
         currently used by PwCES to provide the Services. Upon expiration or
         termination of this Agreement, and completion of all Termination
         Services, PwCES shall destroy, and cause all of its contractors, agents
         and Affiliates to destroy, all copies of the Equifax Data, and the
         Account Executive of PwCES shall certify the same to Equifax in
         writing.

9.03     Loss of Status. Confidential Information shall not include information,
         data, knowledge and know-how, as shown by written records, that (i) is
         known to the receiving party prior to disclosure to such party, (ii) is
         in the public domain prior to disclosure to such party, (iii) enters
         the public domain through no violation of this Agreement after
         disclosure to such party, (iv) such party receives from a third party
         not under obligation of confidentiality to the disclosing party or (v)
         the receiving party independently develops without reliance on
         Confidential Information.

9.04     Limited Use and Access. Each party shall keep in confidence and prevent
         the unauthorized duplication, use and disclosure of Confidential
         Information. Confidential Information may only be used for furthering
         the purposes of this Agreement and providing the Services hereunder.
         Each party shall, upon expiration or termination of this Agreement or
         otherwise upon demand, at the other party's option, either return to
         the other party or destroy and certify in writing to the other party
         the destruction of any and all documents (the term "document," as used
         in this Article, shall include, without limitation, any writing,
         instrument, agreement, letter, memorandum, chart, graph, blueprint,
         photograph, financial statement or data, telex, facsimile, cable, tape,
         disk or other electronic, digital, magnetic, laser or other recording
         or image in whatever form or medium), papers and materials and notes
         thereon in each party's possession, including copies or reproductions
         thereof, to the extent they contain Confidential Information of the
         party; provided, however, the foregoing shall not apply to Confidential
         Information to the extent it is a part of any license or other ongoing
         agreement between the parties following termination or expiration of
         this Agreement or that survives the termination or expiration of this
         Agreement. In addition, each party shall be entitled to retain one copy
         of the other party's Confidential Information in such party's legal
         files solely for purposes of resolving Disputes. Each party agrees that
         it will protect the confidentiality of Confidential Information through
         the exercise of the same procedures that it
<PAGE>

         uses in preserving and safeguarding its own proprietary information,
         which procedures shall at a minimum constitute reasonable care. Each
         party will limit access to Confidential Information to only those of
         its employees, agents and contractors having a need-to-know in
         connection with this Agreement. When a party discloses Confidential
         Information to any of its employees, agents or contractors, such party
         will inform them of the restrictions on duplication, use and disclosure
         to third parties.

9.05     Proper Disclosures. Subject to Section 9.04, each party shall keep the
         Confidential Information confidential and shall not disclose such
         information to any third party without the prior written approval of
         the other party, except that (i) PwCES may disclose general information
         relating to the scope of Services and the duration of this Agreement to
         potential buyers of PwCES and persons or entities engaged in the
         valuation of PwCES and may disclose information as agreed upon by the
         parties to potential clients, (ii) Equifax may disclose general
         information relating to the scope of Services and the duration of this
         Agreement to potential buyers of Equifax or any one or more Affiliates
         of Equifax, (iii) PwCES may disclose the terms and conditions of this
         Agreement as necessary to comply with most favored customer provisions
         in agreements with other customers of services similar to the Services,
         (iv) either party may disclose the provisions of this Agreement to
         bankers and other financial institutions in the ordinary course of
         business and (v) either party may disclose the provisions of this
         Agreement to the extent required by any applicable law, regulation or
         rules of any stock exchange. The party disclosing the other party's
         Confidential Information (except pursuant to (v)) to a third party
         shall require the third party to enter into a confidentiality agreement
         protecting such Confidential Information.

9.06     Injunctive Relief. Each party acknowledges that the other party may
         suffer irreparable damage in the event of a breach or threatened breach
         of any provision of this Article. Accordingly, in such an event,
         notwithstanding Articles 12 and 13, such party shall be entitled to
         preliminary and final injunctive relief, as well as any and all other
         applicable remedies at law or equity, including the recovery of
         damages.

9.07     No License. The parties acknowledge and agree that (i) each party
         maintains that the Confidential Information contains valuable trade
         secrets and (ii) all rights to Confidential Information are reserved by
         the disclosing party. No license, express or implied, by estoppel or
         otherwise, under any trade secret right, trademark, patent, copyright
         or other proprietary right or applications that are now or may
         hereafter be owned by a party, is granted by the disclosure of
         Confidential Information under this Agreement.

9.08     Residual Information. The receiving party and its Affiliates shall be
         free to use the residuals of such Confidential Information provided by
         the disclosing party for any purpose, including, without limitation,
         use in the development, manufacturing, marketing and maintenance of its
         products and services subject only to its obligations with respect to
         disclosure set forth herein and any copyrights and patents of the
         disclosing party. The term "residuals" means information in
         non-tangible form that may be retained in the unaided memories of those
         employees who have had access to the Confidential Information of the
         other party during the term of this Agreement. The receiving party and
         its Affiliates may use the documents and other tangible materials
         containing the Confidential Information of the disclosing party only
         for the purposes of this Agreement. It is understood that receipt of
         Confidential Information under this Agreement shall not create any
         obligation in any way limiting or restricting the assignment or
         reassignment of PwCES's employees within PwCES or its Affiliates and
         Equifax's employees within Equifax or its Affiliates.

                              ARTICLE 10. COVENANTS

10.01    Non-Solicitation. Except as otherwise expressly provided in this
         Agreement, including, without limitation on Exhibit 11, or with PwCES's
         written consent, during the term of this Agreement and for two (2)
         years after the later of the cessation of Termination Services and the
         date of termination or expiration, Equifax agrees not to solicit or
         hire any of PwCES's, or its Affiliates' and contractors', partners,
         employees and agents that become known to Equifax as a result of
         Services provided under this Agreement. Except as otherwise expressly
         provided in this Agreement or with Equifax's written consent, during
         the term of this Agreement and for two (2) years after termination or
         expiration of this Agreement, PwCES agrees not to solicit or hire any
         of Equifax's, or its Affiliates' and contractors', partners, employees
         and agents that become known to PwCES as a result of providing Services
         under this Agreement. Notwithstanding the foregoing, either party may
         at any time hire any contractor, partner, employee or agent of the
         other party that responds to a general solicitation to the public.

10.02    Cooperation. During the term of this Agreement, each party shall
         provide to the other party reasonable cooperation and assistance in
         connection with its performance of its obligations under this
         Agreement.
<PAGE>

                   ARTICLE 11. REPRESENTATIONS AND WARRANTIES

11.01    By Equifax.  Equifax represents and warrants to PwCES as follows:

         a.       Authority. Equifax (i) is a corporation duly incorporated,
                  validly existing and in good standing under the laws of
                  Georgia, (ii) has full corporate power to own, lease, license
                  and operate its properties and assets, to conduct its business
                  as currently conducted and to enter into this Agreement and to
                  consummate the transactions contemplated hereby and (iii) has
                  the ability and authority to cause its Affiliates to be bound
                  by the terms and conditions of this Agreement.

         b.       Authorized Agreement. This Agreement has been duly authorized,
                  executed and delivered by Equifax and constitutes a valid and
                  binding agreement of Equifax, enforceable against Equifax in
                  accordance with the terms of this Agreement.

         c.       No Default. Neither the execution and delivery of this
                  Agreement by Equifax, nor the consummation of the transactions
                  contemplated hereby, shall result in the breach of any term or
                  provision of, or constitute a default under, any charter
                  provision or bylaw, agreement (subject to any applicable
                  consent), order, law, rule or regulation to which Equifax is a
                  party or which is otherwise applicable to Equifax, except for
                  a breach or default under any agreement, order, law, rule or
                  regulation that would not have a more than minor adverse
                  effect upon Equifax's ability to perform its obligations under
                  this Agreement.

         d.       Agreements and Software. Subject to the receipt of any
                  required consents or approvals, (i) the Equifax Software and
                  the rights PwCES shall obtain under the Transferred Agreements
                  constitute all the software and rights that Equifax used prior
                  to the Commencement Date to perform for itself the tasks,
                  functions and projects addressed by the Services (except for
                  software and rights that PwCES has elected not to acquire from
                  Equifax) and (ii) Equifax has the right and authority to
                  assign, license or sublicense the Equifax Software and
                  Transferred Agreements to PwCES, except where any failure of
                  the foregoing will not prevent PwCES from performing
                  substantially in accordance with this Agreement or will
                  increase PwCES's cost to provide the Services.

         e.       Assets. The Transferred Assets shall be free of liens and
                  encumbrances.

         f.       No Infringement. The Equifax Software owned by Equifax and
                  Equifax-created modifications or derivative works of Equifax
                  Software licensed by Equifax do not infringe, violate or
                  misappropriate any patent, copyright, trademark, trade secret
                  or other proprietary right of any third party.

         g.       Third Party Agreements. All of Equifax's obligations with
                  respect to the Third Party Agreements accruing prior to or
                  attributable to periods prior to the Commencement Date have
                  been or will be satisfied in accordance with their terms.

11.02    By PwCES.  PwCES represents and warrants to Equifax as follows:

         a.       Authority. PwCES (i) is a limited liability company, duly
                  organized, validly existing and in good standing under the
                  laws of Delaware, (ii) has full power to own, lease, license
                  and operate its properties and assets, to conduct its business
                  as currently conducted and to enter into this Agreement and to
                  consummate the transactions contemplated hereby and (iii) has
                  the ability and authority to cause its Affiliates to be bound
                  by the terms and conditions of this Agreement.

         b.       Authorized Agreement. This Agreement has been duly authorized,
                  executed and delivered by PwCES and constitutes a valid and
                  binding agreement of PwCES, enforceable against PwCES in
                  accordance with the terms of this Agreement.

c.                No Default. Neither the execution and delivery of this
                  Agreement by PwCES, nor the consummation of the transactions
                  contemplated hereby, shall result in the breach of any term or
                  provision of, or constitute a default under, any charter
                  provision or bylaw, agreement (subject to any applicable
                  consent), order, law, rule or regulation to which PwCES is a
                  party or that is otherwise applicable to PwCES, except for a
                  breach or default under any agreement, order, law, rule or
                  regulation that would not have a more than minor adverse
                  effect upon PwCES's ability to perform its obligations under
                  this Agreement.
<PAGE>

         d.       No Infringement. The PwCES Software does not infringe, violate
                  or misappropriate any patent, copyright, trademark, trade
                  secret or other proprietary right of any third party.

         e.       Services. PwCES shall render Services using personnel that are
                  qualified and shall render Services consistent with good
                  commercial practice in PwCES's industry.

11.03    By PwC.  PwC represents and warrants to Equifax as follows:

         a.       Authority. PwC (i) is a limited liability partnership, duly
                  organized, validly existing and in good standing under the
                  laws of Delaware, (ii) has full power to own, lease, license
                  and operate its properties and assets, to conduct its business
                  as currently conducted and to enter into this Agreement and to
                  consummate the transactions contemplated hereby and (iii) has
                  the ability and authority to cause its Affiliates to be bound
                  by the terms and conditions of this Agreement.

         b.       Authorized Agreement. This Agreement has been duly authorized,
                  executed and delivered by PwC and constitutes a valid and
                  binding agreement of PwC, enforceable against PwC in
                  accordance with the terms of this Agreement.

         c.       No Default. Neither the execution and delivery of this
                  Agreement by PwC, nor the consummation of the transactions
                  contemplated hereby, shall result in the breach of any term or
                  provision of, or constitute a default under, any charter
                  provision or bylaw, agreement (subject to any applicable
                  consent), order, law, rule or regulation to which PwC is a
                  party or that is otherwise applicable to PwC, except for a
                  breach or default under any agreement, order, law, rule or
                  regulation that would not have a more than minor adverse
                  effect upon PwC's ability to perform its obligations under
                  this Agreement.

11.04    DISCLAIMER OF WARRANTIES. EXCEPT AS EXPRESSLY SET FORTH IN THIS
         AGREEMENT, NEITHER PARTY MAKES ANY WARRANTIES AND SPECIFICALLY
         DISCLAIMS ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT
         LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A
         PARTICULAR PURPOSE.

                         ARTICLE 12. DISPUTE RESOLUTION

12.01    Account Executives. All Disputes shall be referred to the Account
         Executives prior to escalation to the Services Oversight Committee. If
         the Account Executives are unable to resolve, or do not anticipate
         resolving, the Dispute within ten (10) days after referral of the
         Dispute to them, the parties shall submit the Dispute to the Services
         Oversight Committee.

12.02    Services Oversight Committee. The Services Oversight Committee shall
         meet at least once every sixty (60) days during the term of this
         Agreement or at such other time as either party may designate upon
         notice to the other party for the purposes of monitoring the parties'
         performance under this Agreement and of resolving Disputes that may
         arise under this Agreement. The Services Oversight Committee shall
         consider Disputes in the order such Disputes are brought before it. In
         the event the Services Oversight Committee is unable to resolve a
         Dispute within fifteen (15) days of the date of the first meeting
         during which such Dispute was considered, the Services Oversight
         Committee shall notify the senior executive selected by each party
         pursuant to Section 12.03. No Dispute under this Agreement shall be the
         subject of arbitration or other formal proceedings between Equifax and
         PwCES before being considered by the Services Oversight Committee and
         senior management, pursuant to Section 12.03, except for an action to
         seek injunctive relief to stay a breach of this Agreement.

12.03    Senior Management. Either party may, upon receipt of a notice from the
         Services Oversight Committee pursuant to Section 12.02, elect to
         utilize a non-binding dispute resolution procedure whereby each
         presents its case at a hearing before a panel consisting of one (1)
         senior executive of each of the parties. If a party elects to use the
         procedure set forth in this Section, the other party shall participate.
         The hearing shall occur within ten (10) business days after a party
         serves notice to use the procedure set forth in this Section. Each
         party may be represented at the hearing by lawyers. If the matter
         cannot be resolved at the hearing, each party's only recourse shall be
         binding arbitration as provided in Article 13 and the proceedings
         occurring pursuant to this Section shall be without prejudice to the
         legal position of either party. Except as provided in Section 12.04, no
         arbitration may commence concerning the Dispute until thirty (30)
         business days have elapsed from the first day of the hearing under this
         Section. Each party shall bear its respective costs
<PAGE>

         incurred in connection with the procedure set forth in this Section,
         except that the parties shall share equally in the cost of the facility
         for the hearing.

12.04    Expedited Resolution. If a Dispute arises because Equifax believes that
         Critical Service Levels are not being met or that such Dispute relates
         to (i) matters that materially and adversely impact its business
         operations or (ii) compliance with applicable laws, and either party
         initiates the dispute resolution provisions set forth in Articles 12
         and 13 for such Dispute, the time period set forth in Section 12.01
         shall be changed to twenty-four (24) hours and either party may elect
         to bypass the Services Oversight Committee as provided in Section 12.02
         and refer the Dispute directly from the Account Executives to senior
         management as provided in Section 12.03, and the thirty (30) business
         day period in Section 12.03 shall be reduced to fifteen (15) days.
         Except as expressly modified by this Section 12.04, all other
         provisions of Articles 12 and 13 shall apply to a Dispute.

                             ARTICLE 13. ARBITRATION

13.01    Panel. The arbitration shall be heard and determined by a panel of
         three (3) persons. Each party shall have the right to designate one (1)
         member of the panel. Such members shall select a third member of the
         panel. The party demanding arbitration shall communicate its demand
         therefore in writing, identifying the nature of the Dispute and the
         name of its arbitrator, to the other party. The other party shall then
         be bound to name, in writing, its arbitrator within twenty (20) days
         after receipt of such demand. Failure or refusal of the other party to
         name its arbitrator within the twenty (20) day time period shall
         empower the demanding party to name the second arbitrator as well. If
         the two (2) arbitrators are unable to agree upon a third arbitrator
         within twenty (20) days after the second arbitrator is named, the
         American Arbitration Association ("AAA") shall appoint a third
         arbitrator from candidates submitted by both parties.

13.02    AAA. The commercial rules of the AAA shall apply to any arbitration
         under this Agreement, except to the extent the provisions of this
         Article vary therefrom.

13.03    Decisions. Decisions of the panel shall be made by majority vote. The
         panel is empowered to render awards enjoining a party from performing
         any act prohibited or compelling a party to perform any act directed by
         this Agreement. The panel may not award punitive damages.

13.04    Interim Orders. The panel may issue such interim orders in accord with
         principles of equity as may be necessary to protect any party from
         irreparable harm during the pendency of any arbitration before it. Any
         such order shall be without prejudice to the final determination of the
         controversy.

13.05    Location. The proceeding before the panel shall be held in Atlanta,
         Georgia, or as otherwise agreed upon by the parties.

13.06    Expedited Schedule. The arbitration shall be conducted on an expedited
         schedule. Unless otherwise agreed by the parties, the parties shall
         make their initial submissions to the panel and the hearing shall
         commence within thirty (30) days of the initiation of proceedings. The
         hearing shall be completed within twenty (20) days thereafter.

13.07    Prompt Award. The award shall be made promptly by the panel, and,
         unless agreed by the parties, no later than thirty (30) days from the
         closing of the hearing. Any failure to render the award within the
         foregoing time period shall not affect the validity of such award.

13.08    Discovery. The parties shall be entitled to discovery of all documents
         and information reasonably necessary for a full understanding of any
         Dispute raised in the arbitration relating to this Agreement. The
         parties may use all methods of discovery available under the Federal
         Rules of Civil Procedure, including, without limitation, depositions,
         requests for admission and requests for production of documents. The
         time periods applied to these discovery methods shall be set by the
         panel so as to permit compliance with the scheduling provisions of this
         Article.

13.09    Binding Decisions. The decision or award rendered or made in connection
         with the arbitration shall be final and binding upon the parties
         thereto. The prevailing party may present the decision or award to any
         court of competent jurisdiction for confirmation pursuant to the
         provisions of the Federal Arbitration Act, 9 U.S.C.ss.ss.1-14, and such
         court shall enter forthwith an order confirming such decision or award.

                         ARTICLE 14. YEAR 2000 AND EURO

14.01    Year 2000 Background. Equifax acknowledges that, because of programming
         assumptions previously made in the
<PAGE>

         computer industry, certain existing and future computer programs
         (including, without limitation, applications, utilities and operating
         systems software), databases and documentation for such programs and
         databases may not perform as originally designed with respect to date
         data processing as the Year 2000 draws closer and beyond.

14.02    Year 2000 Disclaimer. Equifax recognizes that it is responsible for the
         resolution of any Year 2000 problem that is the result of software,
         systems, equipment or other items or materials made available to PwCES
         to provide the Services. Except as expressly provided in this Agreement
         or in a Change Order, PwCES is not providing any Year 2000 services
         (for example, Year 2000 assessment, conversion or testing) under this
         Agreement. PwCES shall not be responsible for a failure to perform the
         Services under this Agreement, if such failure is the result, directly
         or indirectly, of (i) the inability of any products (for example,
         hardware, software or firmware) other than the PwCES Products ("Other
         Products") to correctly process, provide or receive date data (i.e.,
         representations for month, day and year) and to properly exchange date
         data with the PwCES Products or deliverables provided by PwCES under
         this Agreement or (ii) modifications made by Equifax, its employees or
         any third party (excluding any PwCES employees, agents or contractors)
         to any PwCES Products or such deliverables. PwCES assumes no
         responsibilities or obligations to cause products or deliverables
         provided by PwCES to accurately exchange date data with Other Products
         or to cause Other Products to accurately exchange date data with
         products or deliverables provided by PwCES; unless, such Other Products
         can properly exchange accurate date data with products or deliverables
         provided by PwCES under this Agreement. If Equifax requests PwCES to
         undertake to remedy any such problem, such an undertaking shall be an
         Additional Service, subject to a Change Order.

14.03    NO WARRANTY. EQUIFAX RECOGNIZES THAT NEITHER PWCES NOR ITS AFFILIATES
         WILL WARRANT THAT ANY YEAR 2000 WORK PERFORMED BY PWCES OR ITS
         AFFILIATES ON THE TRANSFERRED ASSETS OR EQUIFAX SOFTWARE WILL SUCCEED
         IN RESOLVING SATISFACTORILY ALL OR ANY SPECIFIC YEAR 2000 PROBLEM.
         SUBJECT TO THE FOREGOING, PWCES WILL PERFORM, WITHOUT ANY WARRANTIES
         (EXPRESS OR IMPLIED), THE YEAR 2000 WORK THAT IS SPECIFICALLY SET FORTH
         HEREIN AS PART OF THE SERVICES.

14.04    Euro Disclaimer. PwCES shall not be responsible for a failure to
         perform the Services under this Agreement, if such failure is the
         result, directly or indirectly, of the inability of any Other Products
         (i) to perform all functions set out in the specification for more than
         one currency and for any common currency adopted by one or more members
         of the European Union (the "Euro"), (ii) to comply with all legal
         requirements applicable to the Euro in any jurisdiction, including,
         without limitation, the rules on conversion and rounding set out in the
         EC Regulation number 1103/97, (iii) to display and print all symbols
         and codes adopted by any government or any other European Union body in
         relation to the Euro or (iv) to properly exchange Euro data with the
         PwCES Products or deliverables provided by PwCES under this Agreement.

                          ARTICLE 15. BREACH; REMEDIES

15.01    Limitation of Remedy. PwCES shall not be liable for its failure to
         perform to the extent PwCES's failure is due to (i) a failure by
         Equifax or any third party retained by, or under the control of,
         Equifax to provide hardware, software, services, data or materials that
         Equifax or such third party is required to provide to PwCES under this
         Agreement and that PwCES requires to perform the Services, (ii) a
         failure by Equifax to timely and accurately perform its
         responsibilities as set forth in this Agreement, (iii) an audit
         conducted pursuant to Article 5, (iv) a failure by Equifax to obtain
         consents or approvals for PwCES's agents and contractors to use the
         Equifax Software or exercise rights under the Transferred Agreements,
         (v) a failure by Equifax to timely and accurately provide input data or
         review output produced by PwCES as a result of the Services or (vi) a
         problem associated with the Year 2000 or Euro, to the extent provided
         in Article 14.

15.02    Equifax's Failure to Perform Responsibilities. In the event Equifax or
         any of its licensors or contractors fail to perform any of its or their
         responsibilities in connection with any Services, then PwCES may, in
         its sole discretion, after providing notice to Equifax of such failure
         by Equifax or any of Equifax's licensors or contractors, perform
         Equifax's responsibility and charge Equifax for all reasonable costs
         and expenses incurred as a result of performing Equifax's
         responsibility. PwCES may not charge Equifax in excess of twenty-five
         thousand dollars ($25,000.00) per failure pursuant to this Section
         without Equifax's consent.

15.03    Force Majeure. Neither party shall be liable for any default or delay
         in the performance of its obligations hereunder (except for the payment
         of money) if and to the extent such default or delay is caused,
         directly or indirectly, by acts of
<PAGE>

         God, governmental acts, accidents, wars, terrorism, riots or civil
         unrest, labor disputes, fires, storms, earthquakes, floods or elements
         of nature, or any other cause beyond the reasonable control of such
         party, provided such default or delay could not have been prevented by
         reasonable precautions and cannot reasonably be circumvented by the
         nonperforming party through the use of commercially reasonable
         alternative sources, workaround plans or other means (individually, a
         "Force Majeure Event"). Upon the occurrence of a Force Majeure Event,
         the nonperforming party will be excused from any further performance or
         observance of the obligations so affected for as long as such
         circumstances prevail and such party continues to use commercially
         reasonable efforts to recommence performance or observance whenever and
         to whatever extent possible without delay. Any party so delayed in its
         performance will immediately notify the other by telephone (to be
         confirmed in writing within five (5) days of the inception of such
         delay) and describe at a reasonable level of detail the circumstances
         causing such delay. If any Force Majeure Event substantially prevents,
         hinders, or delays performance of the Services necessary for the
         performance of a critical business function of Equifax for more than
         fifteen (15) consecutive days, then Equifax may procure such Services
         from an alternate source (whereupon the Charges hereunder shall be
         reduced accordingly irrespective of any minimum revenue commitment set
         forth in Exhibit 1). If any Force Majeure Event continues for more than
         sixty (60) consecutive days, then Equifax may terminate this Agreement
         as of a date specified by Equifax in a written notice of termination to
         PwCES pursuant to Section 16.01h. This Section does not limit or
         otherwise affect the parties' obligations regarding disaster recovery
         services as set forth in Exhibit 14.

15.04    Limitation of Liability. Each party's, its Affiliates' and its and
         their contractors' and licensors' liability for damages (whether a
         claim therefor is based on warranty, contract, tort (including
         negligence or strict liability), statute or otherwise) arising out of
         or relating to any performance or nonperformance of Services under this
         Agreement shall be limited in the aggregate for all claims to an amount
         equal to the payments made by Equifax to PwCES for recurring Services
         under a Set of Exhibits during the twelve (12) months prior to the
         occurrence of the first event that is the subject of the first claim
         (or if twelve (12) months have not yet elapsed since the Initial
         Commencement Date for a Set of Exhibits, then twelve (12) times the
         average monthly payments made by Equifax to PwCES for recurring
         Services since the Initial Commencement Date for such Set of Exhibits)
         (the "Cap"). Both parties acknowledge and agree that any such payment
         by the other party shall be the final remedy in the event of an
         exhaustion of all other remedies hereunder and shall not be deemed or
         alleged by the other party to have failed of its essential purpose. If
         a party's liability under this Agreement does not exceed four million
         dollars ($4,000,000) in any consecutive three (3) year period for a Set
         of Exhibits, then the Cap for such party shall be reduced from the
         amount set forth above to an amount equal to the payments made by
         Equifax to PwCES for recurring Services under a Set of Exhibits during
         the nine (9) months prior to the occurrence of the first event that is
         the subject of the first claim. Notwithstanding the foregoing, for (i)
         a breach of Article 9 and (ii) indemnification claims set forth in
         Sections 17.01(vi), 17.01(ix) and 17.02(viii), an amount equal to the
         payments made by Equifax to PwCES for recurring Services under a Set of
         Exhibits during the (y) six (6) months preceding the period set forth
         above if such period is twelve (12) months and (z) nine (9) months
         preceding the period set forth above if such period has been reduced to
         nine (9) months, shall be added to the Cap. The Cap for indemnification
         claims set forth in Section 17.01(x) with respect to Transitioned
         Employees for the first twelve (12) months after the Initial
         Commencement Date shall be equal to the amount of insurance set forth
         in Section 19.06(iv). For purposes of this Section 15.04, if, after an
         event giving rise to a claim there is a subsequent event giving rise to
         a claim that is related to the prior claim, then the time periods
         described above shall be measured from the date of the subsequent
         event.

15.05    CONSEQUENTIAL DAMAGES. IN NO EVENT SHALL EITHER PARTY, ITS AFFILIATES
         OR ITS CONTRACTORS BE LIABLE FOR ANY SPECIAL, INDIRECT, EXEMPLARY,
         INCIDENTAL OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT
         LIMITATION, ANY LOSS OF PROFITS OR SAVINGS INCURRED BY THE OTHER PARTY,
         ITS CONTRACTORS OR ANY THIRD PARTY, EVEN IF SUCH PARTY HAS BEEN
         ADVISED, KNOWS OR SHOULD KNOW OF THE POSSIBILITY OF SAME.

15.06    Exclusions. The limitations or exculpation of liability set forth in
         Sections 15.04 and 15.05 are not applicable to (i) the failure of
         Equifax to make payments due under this Agreement, (ii) indemnification
         claims as set forth in Sections 17.01(i), 17.02(i), 17.01(v) and
         17.02(vii), (iii) damages caused by the intentional misconduct of the
         breaching party, (iv) any Termination Charges, (v) Performance Credits
         or Performance Bonuses or (vi) payments made pursuant to Exhibit 11.
         The limitations set forth in Section 15.04 are not applicable to
         indemnification claims as set forth in Sections 17.01(vii), 17.02(ix),
         17.01(x), 17.01(xii), 17.02(iii), 17.02(v), 17.02(vi) and 17.02(xi).
         The exculpation of liability set forth in Section 15.05 is not
         applicable to a breach of Article 9 or indemnification for third party
         claims pursuant to Article 17.
<PAGE>

15.07    Affiliates of PwCES. Except as set forth in Article 18, with regard to
         any claim or action against PwCES or its Affiliates, Equifax shall look
         solely to PwCES and the assets of PwCES in satisfaction of any claim or
         action relating to PwCES's obligations under this Agreement and in no
         event shall (i) any Affiliate of PwCES be liable for any obligation
         under or in connection with this Agreement or (ii) any member or
         partner of PwCES or any Affiliate of PwCES be personally liable for any
         obligation of PwCES under or in connection with this Agreement, and no
         recourse may be had or sought against the assets of any Affiliate of
         PwCES or the assets of any member or partner of PwCES or any Affiliate
         of PwCES in satisfaction of any such obligation. Nothing in this
         Section shall be deemed to relieve PwCES of any liability under this
         Agreement.

15.08    Limitation. Neither party shall make any claim against the other party
         more than two (2) years after such party knew or should have known of
         the breach or other event giving rise to such claim.

                             ARTICLE 16. TERMINATION

16.01    Conditions of Termination. In addition to expiration at the end of the
         term specified in Article 2, this Agreement may be terminated under the
         following circumstances, subject to any Charges that may be applicable
         as set forth below and in Exhibits 1 and 11.

         a.       Convenience. At any time (i) after the third anniversary of
                  the Initial Commencement Date or (ii) before such third
                  anniversary if there is a Change of Control of Equifax,
                  Equifax may deliver to PwCES written notice of its intent to
                  terminate this Agreement for convenience. The termination
                  notice shall specify a termination date no sooner than six (6)
                  months after the date of the notice.

         b.       Equifax for Cause. Equifax may terminate this Agreement in the
                  event of PwCES's material breach (in the form of a single
                  event or series of events) of its obligations or warranties,
                  if such material breach is not cured within fifteen (15) days
                  after Equifax notifies PwCES in writing of such material
                  breach; provided, however, that if after using commercially
                  reasonable efforts such breach could not be cured by PwCES
                  within such fifteen (15) day period, the cure period for such
                  breach shall be extended for an additional thirty (30) days
                  (provided that such breach is capable of cure and PwCES
                  continues to diligently pursue such cure), unless otherwise
                  agreed in writing.

         c.       Partial Termination by Equifax for Cause. Equifax may
                  terminate a Service, in whole or in part, if PwCES
                  consistently fails to (i) substantially perform such Service
                  or (ii) meet a Service Level with respect to such Service.
                  Equifax shall provide PwCES with written notice of its intent
                  to so terminate, which notice shall specify a termination date
                  no less than ninety (90) days after the date of the notice,
                  and the minimum revenue commitment set forth in Exhibit 1
                  shall be appropriately adjusted.

         d.       PwCES for Cause. Subject to Equifax's right as set forth in
                  Section 4.04e to withhold disputed payment amounts, PwCES may
                  terminate this Agreement in the event of Equifax's material
                  breach (in the form of a single event or series of events) of
                  its obligations or warranties, if such material breach is not
                  cured within fifteen (15) days after PwCES notifies Equifax in
                  writing of such material breach; provided, however, that if
                  after using commercially reasonable efforts such breach (other
                  than one relating to the payment of money) could not be cured
                  by Equifax within such fifteen (15) day period, the cure
                  period for such breach shall be extended for an additional
                  thirty (30) days (provided that such breach is capable of cure
                  and Equifax continues to diligently pursue such cure), unless
                  otherwise agreed in writing.

         e.       Change of Control of Equifax. PwCES shall have the right to
                  terminate this Agreement immediately upon a Change of Control
                  of Equifax that results in control of Equifax by any entity
                  set forth in Exhibit 17.

         f.       PwCES for Impairment of Independence. Each of PwCES and
                  Equifax shall promptly notify the other regarding potential
                  Impairment of Independence situations about which it becomes
                  aware. In the event of any potential Impairment of
                  Independence, PwCES and Equifax shall consider all reasonable
                  alternatives to reconcile such potential Impairment of
                  Independence in order to maintain the relationship between the
                  parties, including, without limitation:

                  (i)   obtaining a favorable resolution from the SEC and the
                        AICPA;

                  (ii)  changes within PwCES or its Affiliates as to how it or
                        they organize its or their outsourcing business; and
<PAGE>

                  (iii) changes in scope of the Services.

                  If the potential Impairment of Independence is not resolved to
                  the satisfaction of PwCES and Equifax within thirty (30) days
                  of the notice given above or the time period required by the
                  applicable regulations, then PwCES shall have the right to
                  terminate this Agreement, in whole or in part; provided,
                  however, that if PwCES terminates this Agreement in part, the
                  minimum revenue commitment set forth in Exhibit 1 shall be
                  reduced appropriately, and Equifax may, within thirty (30)
                  days of receipt of notice of such partial termination,
                  terminate this Agreement with respect to the affected Set of
                  Exhibits if the portion of this Agreement terminated in part
                  by PwCES represents a material portion of the Services under
                  such Set of Exhibits such that continuing to receive the
                  remaining Services under such Set of Exhibits does not present
                  a viable business case to Equifax, as determined by Equifax in
                  its reasonable discretion. If Equifax exercises its right
                  pursuant to the preceding sentence (x) the Set of Exhibits
                  shall, for purposes of Exhibit 11, have been deemed to have
                  been terminated by PwCES for the event that created the
                  Impairment of Independence that led to the termination in part
                  by PwCES or (y) if the Set of Exhibits terminated is the only
                  Set of Exhibits, this Agreement shall, for purposes of Exhibit
                  11, have been deemed to have been terminated in whole by PwCES
                  for the event that created the Impairment of Independence that
                  led to the termination in part by PwCES.

         g.       Equifax for Change of Control of PwC or PwCES. Equifax shall
                  have the right to terminate this Agreement immediately upon
                  the sale of a controlling interest of PwC or PwCES to any
                  entity set forth in Exhibit 17.

         h.       Equifax for Force Majeure. Equifax shall have the right to
                  terminate this Agreement pursuant to Section 15.03.

         i.       Equifax for Additional Charges. If the Base Charges for
                  Services provided on the Initial Commencement Date are
                  increased pursuant to Section 3.03(ii) by more than eleven
                  percent (11%) from the amount set forth on Exhibit 1, then
                  Equifax may, on not less than six (6) months prior written
                  notice, terminate this Agreement. This right to terminate may
                  only be exercised by Equifax within thirty (30) days after the
                  end of the twelve (12) month period referred to in Section
                  4.06.

         j.       Maximum Liability. If a party is liable for damages in excess
                  of the applicable Cap, the other party may terminate this
                  Agreement upon not less than six (6) months notice, unless the
                  party that exceeded its Cap agrees, within thirty (30) days
                  after receiving notice of the other party's intention to
                  terminate this Agreement, to reset such Cap to an amount equal
                  to the payments made by Equifax to PwCES for recurring
                  Services under a Set of Exhibits during the three (3) months
                  prior to the occurrence of the first event that is the subject
                  of the first claim with respect to any liability arising after
                  receipt of such notice.

16.02    Effects of Termination or Expiration. Exhibit 11 sets forth the
         parties' respective obligations and rights under each possible
         circumstance of termination or expiration; provided, however,
         termination pursuant to Sections 16.01b, c and d shall not constitute a
         party's exclusive remedy for a breach of this Agreement, and neither
         party shall be deemed to have waived any of its rights accruing
         hereunder prior to such termination.

16.03    Termination Charge. If applicable, Equifax shall pay PwCES the
         Termination Charge specified in Exhibit 1 (i) on the date PwCES ceases
         to provide the Continuing Services if this Agreement is terminated
         pursuant to Section 16.01a or (ii) the earlier of thirty (30) days from
         the date of notice of termination and the date PwCES ceases to provide
         the Continuing Services if this Agreement is terminated pursuant to any
         other Section. The Termination Charge for any partial termination
         (e.g., termination of a Service or reduction in the list of Affiliates
         of Equifax) shall be calculated by applying the percentage of charges
         attributable to the reduction in Services pro rata against the
         Termination Charge for termination of the entire Agreement. With
         respect to those termination events for which the Termination Charge
         applies, Equifax acknowledges that the Termination Charge plus the
         costs to be paid by Equifax pursuant to Exhibit 11 constitute
         liquidated damages for the loss of the bargain, are not a penalty and
         are a reasonable approximation of PwCES's damages under the
         circumstances as can best be determined as of the date of this
         Agreement. In consideration for payment of the applicable Termination
         Charge and such costs, Equifax shall have no liability, and PwCES shall
         not allege that Equifax has any liability, for claims relating solely
         to the termination of this Agreement.

16.04    Critical Services. The parties acknowledge that the performance of the
         Services will be critical to the operations of Equifax and its
         Affiliates. Accordingly, notwithstanding any other provision in this
         Agreement to the contrary, except Sections 3.16 and 4.04c and except
         for an intentional breach of Article 9, PwCES shall not voluntarily
         withhold the
<PAGE>

         provision of the Services under any circumstances.

                           ARTICLE 17. INDEMNIFICATION

17.01    PwCES Indemnification of Equifax. PwCES shall indemnify and hold
         harmless Equifax and its Affiliates and their respective officers,
         directors, employees, members, partners, agents, successors and assigns
         from, and shall defend Equifax against, any costs, liabilities, fines,
         penalties, damages or expenses (including reasonable attorneys' fees
         and amounts paid in settlement) arising out of or relating to:

                  (i)   any claim by a third party that the Services, the PwCES
                        Products, or any work performed by PwCES, or work
                        performed by PwCES's agents, consultants or contractors
                        with respect to the PwCES Products, under this Agreement
                        infringes the proprietary rights of any third party;

                  (ii)  any alleged act or omission by PwCES or any of its
                        employees giving rise to potential liability arising out
                        of or relating to (a) any unlawful discrimination or
                        harassment, (b) PwCES employee benefits or (c) any other
                        aspect of the employment relationship or the termination
                        of the employment relationship relating to a
                        Transitioned Employee, arising on or after such
                        Transitioned Employee's starting date with PwCES
                        (including claims for breach of an express or implied
                        contract of employment), except to the extent any such
                        claim arises from the wrongful act of Equifax;

                  (iii) any unlawful discrimination by PwCES in selecting the
                        Equifax Selected Employees;

                  (iv)  materials prepared by PwCES pursuant to Section 7.01;

                  (v)   claims for personal injuries, death or damage to
                        tangible personal or real property to the extent caused
                        by acts or omissions of PwCES or its Affiliates,
                        contractors and agents, including negligence;

                  (vi)  claims arising from a violation of any federal, state,
                        local or foreign law, rule or regulation to the extent
                        caused by acts or omissions of PwCES;

                  (vii) claims arising out of any Transferred Agreement after
                        the date such Transferred Agreement is transferred to
                        PwCES, except to the extent any such claim arises from
                        the failure of Equifax to obtain the appropriate
                        consents or approvals;

                  (viii) claims arising from PwCES's provision of any services
                        to any third party from the same facilities from which
                        the Services are provided to Equifax;

                  (ix)  claims arising out of PwCES's use (in providing the
                        Services to Equifax) of any Equifax Software licensed by
                        Equifax from a third party, to the extent due to PwCES's
                        (or any of its agents' or subcontractors') breach of the
                        third party's license agreement with Equifax, excluding,
                        however, any claim arising from the failure of Equifax
                        to obtain the appropriate consents or approvals for such
                        use, or any claims arising under Section 17.02 below;

                  (x)   claims arising from fraud committed by a PwCES employee
                        (this obligation with respect to a Transitioned Employee
                        during the first twelve (12) months after the Initial
                        Commencement Date is limited as set forth in Section
                        15.04);

                  (xi)  claims or suits attributable to breaches of PwCES's
                        express representations and warranties contained in this
                        Agreement; and

                  (xii) PwCES's tax liabilities arising from PwCES's provision
                        of Services, as set forth in Section 4.05.

17.02    Equifax Indemnification of PwCES. Equifax shall indemnify and hold
         harmless PwCES and its Affiliates and their respective officers,
         directors, employees, members, partners, agents, successors and assigns
         from, and shall defend PwCES against, any costs, liabilities, damages
         or expenses (including reasonable attorneys' fees and amounts paid in
         settlement) arising out of or relating to:

                  (i)   any claim by a third party that the use by PwCES, in the
                        performance of the Services to Equifax and its
                        Affiliates in accordance with this Agreement, of any
                        Equifax Software or other software owned or licensed by
                        Equifax accessed by, used by or assigned by Equifax to
                        PwCES infringes the proprietary rights of any third
                        party, but excluding any claims relating to any changes
                        or modifications to the Equifax Software or such other
                        software made by PwCES or its Affiliates or contractors;
<PAGE>

                  (ii)  any alleged act or omission by Equifax or its employees
                        giving rise to potential liability arising out of or
                        relating to (a) any unlawful discrimination or
                        harassment, (b) Equifax employee benefits not expressly
                        assumed by PwCES, (c) any representations, oral or
                        written, made by Equifax to Transitioned Employees or
                        (d) any other aspect of the employment relationship or
                        the termination of the employment relationship relating
                        to a Transitioned Employee, arising prior to such
                        Transitioned Employee's starting date with PwCES,
                        including, without limitation, claims that Equifax has
                        violated the WARN Act or other claims arising as a
                        result of the transition, claims for breach of an
                        express or implied contract of employment, Equifax
                        employee benefits plans, policies or programs or with
                        respect to any claims by Equifax Selected Employees
                        under such plans, policies or programs or otherwise with
                        respect to services rendered or events or incidents that
                        occur prior to a Transitioned Employee's starting date
                        with PwCES;

                  (iii) the failure of Equifax to obtain any consent or approval
                        as required under Section 3.12b;

                  (iv)  claims or suits attributable to breaches of Equifax's
                        express representations and warranties contained in this
                        Agreement;

                  (v)   Equifax tax liabilities accruing prior to the
                        Commencement Date;

                  (vi)  Equifax's tax liabilities arising from PwCES's provision
                        of Services, as set forth in Section 4.05;

                  (vii) claims for personal injuries, death or damage to
                        tangible personal or real property to the extent caused
                        by acts or omissions of Equifax or its Affiliates,
                        contractors or agents, including negligence;

                  (viii) claims arising from a violation of any federal, state,
                        local or foreign law, rule, regulation or order to the
                        extent caused by acts or omissions of Equifax;

                  (ix)  claims arising out of any Transferred Agreement before
                        the date such Transferred Agreement is transferred to
                        PwCES;

                  (x)   shareholder derivative suits against Equifax; and

                  (xi)  claims made by Affiliates of Equifax related to Services
                        provided under this Agreement.

17.03    General Equifax Indemnity. Without limiting PwCES's liability to
         Equifax under this Agreement related to meeting PwCES's obligations to
         perform the Services in accordance with the terms of this Agreement,
         Equifax agrees to indemnify and defend PwCES and its Affiliates and
         hold PwCES and its Affiliates harmless from any and all third party
         claims, actions, damages, liabilities, costs and expenses, including,
         without limitation, reasonable attorneys' fees and expenses, arising
         out of or relating to the use by Equifax of the Services in the
         operation of Equifax's business. The indemnification set forth in this
         Section shall not apply to claims arising out of or related to PwCES's
         negligence, willful misconduct or breach of this Agreement, or
         violation of any law, rule, regulation or order, to the extent such
         negligence, willful misconduct, breach or violation is the cause of
         such claim.

17.04    Indemnification Procedure.

         a.       In General. The indemnified party shall notify the
                  indemnifying party of any claim under this Article within
                  thirty (30) days (or such shorter period as may be required to
                  respond to a third party claim) after receipt of notice. A
                  party required to indemnify the other party under this
                  Agreement shall have no obligation for any claim under this
                  Article if:

                  (i)   the indemnified party fails to notify the indemnifying
                        party of such claim as provided above, but only to the
                        extent that the defense of such claim is prejudiced by
                        such failure;

                  (ii)  the indemnified party fails to tender control of the
                        defense of such claim to the indemnifying party; or

                  (iii) the indemnified party fails to provide the indemnifying
                        party with all reasonable cooperation in the defense of
                        such claim (the cost thereof to be borne by the
                        indemnifying party).

         b.       Consent. The indemnifying party shall have no obligation for
                  any claim under this Agreement if the indemnified party makes
                  any admission or settlement regarding such claim without the
                  prior written consent of the indemnifying party, which consent
                  shall not be unreasonably withheld.
<PAGE>

         c.       Participation. The indemnified party shall have the right (but
                  not the obligation) to participate in such defense or
                  settlement, in which event each party shall pay its respective
                  attorneys' fees.

                                 ARTICLE 18. PWC

         PwC shall be jointly and severally liable for the obligations of PwCES
         under this Agreement. For the avoidance of doubt, the joint and several
         liability of PwC and PwCES under this Agreement shall not entitle
         Equifax to double recovery for any one claim. PwC shall not be deemed
         the employer of any Transitioned Employee.

                            ARTICLE 19. MISCELLANEOUS

19.01    Independent Contractors. Each of PwCES and Equifax is an independent
         contractor. Neither party shall have any authority to bind the other
         party unless expressly agreed in writing. Nothing in this Agreement
         shall be construed to create a partnership, agency or employer-employee
         relationship between PwCES and Equifax, and in no event shall PwCES and
         Equifax be deemed joint employers. The rights, obligations and
         liabilities of the parties shall be several and not joint or
         collective.

19.02    Counterparts. This Agreement may be executed in counterparts, each of
         which shall be deemed an original, and all of which taken together
         shall constitute a single instrument.

19.03    Entire Agreement. Except as otherwise provided herein, this Agreement,
         including the Exhibits hereto, represents the entire understanding and
         agreement between the parties, and supersedes any prior agreement,
         understanding or communication between the parties, with respect to the
         subject matter hereof. This Agreement may only be amended by a writing
         executed by both parties.

19.04    Construction. The parties have participated jointly in the negotiation
         and drafting of this Agreement. In the event an ambiguity or question
         of intent or interpretation arises, this Agreement shall be construed
         as if drafted jointly by the parties and no presumption or burden of
         proof shall arise favoring or disfavoring any party by virtue of the
         authorship of any of the provisions of this Agreement.

19.05    Assignment. Neither party may assign or transfer this Agreement, or any
         of its rights and obligations under it, without the prior written
         consent of the other party. Notwithstanding the foregoing, (i) either
         party may assign or transfer this Agreement, and its rights and
         obligations under it, to one of its Affiliates, provided (a) the
         Affiliate agrees in writing to the obligations of the assigning or
         transferring party set forth in this Agreement, (b) such party
         guarantees the obligations of such Affiliate and (c) such assignment or
         transfer does not create an Impairment of Independence and (ii) subject
         to Section 16.01e, Equifax may assign this Agreement in connection with
         the sale of all or substantially all of its assets.

19.06    Insurance. During the term of this Agreement, PwCES shall maintain and
         keep in full force and effect, at its sole cost and expense, insurance
         as set forth below with an insurance company licensed to do business in
         the location where the Services are to be performed.

         (i)      Commercial General Liability insurance including, without
                  limitation, contractual liability coverage that indicates this
                  Agreement is a "covered contract," premises, completed
                  operations, broad-form property damage, independent
                  contractors and personal injury liability in an amount not
                  less than two million dollars ($2,000,000.00) each occurrence
                  and two million dollars ($2,000,000.00) aggregate;

         (ii)     Workers Compensation insurance in accordance with statutory
                  requirements as well as Employer's Liability insurance with
                  limits not less than $1,000,000.00/$1,000,000.00/$1,000,000.00
                  and such insurance shall cover all individuals who will be
                  used in any capacity by PwCES in performing Services;

         (iii)    Automobile Liability insurance (including owned, non-owned,
                  hired and loaned vehicles) with a combined single limit of not
                  less than one million dollars ($1,000,000.00) for bodily
                  injury and property damage;

         (iv)     Fidelity Bond/Commercial Crime insurance covering employee
                  dishonesty, including, without limitation, dishonest acts of
                  PwCES and its employees, agents or subcontractors and such
                  insurance shall also include
<PAGE>

                  third party liability coverage and be written for limits not
                  less than ten million dollars ($10,000,000.00);

         (v)      Professional Liability insurance for operations performed for
                  Equifax and its employees or customers with limits of
                  liability not less than fifty million dollars ($50,000,000.00)
                  each claim and fifty million dollars ($50,000,000.00)
                  aggregate; and

         (vi)     Umbrella/Excess Liability insurance on a follow form basis
                  with a limit of not less than twenty million dollars
                  ($20,000,000.00) for each occurrence and twenty million
                  dollars ($20,000,000.00) aggregate and such umbrella insurance
                  shall name as underlying policies the Commercial General
                  Liability, Employer's Liability and Auto Liability insurance
                  coverage required above.

19.07    Order of Precedence. In the event of a Dispute, the terms of this
         Agreement, the Exhibits and any Change Orders shall be interpreted in
         the following order of precedence: (i) the terms of a Change Order
         shall take precedence, (ii) followed by the terms of an Exhibit and
         (iii) followed by the terms in this Agreement. Notwithstanding the
         foregoing sentence, a Change Order may only amend an Exhibit or this
         Agreement by express reference to the term or condition of the Exhibit
         or this Agreement that is to be amended.

19.08    Remedy. Nothing in this Agreement shall prevent any disputing or
         allegedly aggrieved party from pursuing a temporary restraining order,
         injunctive relief or other equitable relief from a court of competent
         jurisdiction against the other party at any time if the disputing or
         allegedly aggrieved party believes in good faith that a breach or
         threatened breach of any of the provisions of this Agreement would
         cause it irreparable harm.

19.09    Survival. To the extent a provision of this Agreement, including,
         without limitation, Articles entitled Breach; Remedies,
         Indemnification, Confidentiality and Data, Dispute Resolution,
         Arbitration and Miscellaneous, provides for rights, interests, duties,
         claims, undertakings and obligations subsequent to the termination or
         expiration of this Agreement, such provision of this Agreement shall
         survive such termination or expiration.

19.10    Required Approvals. Each party shall obtain all necessary licenses,
         permits and approvals of this Agreement required by any governmental
         agency, at its sole cost and expense.

19.11    Compliance with Laws. Each party shall comply with all applicable laws,
         rules and regulations.

19.12    Waiver. Except as set forth in Section 3.11c, the failure of either
         party to insist upon the strict and punctual performance of any
         provision hereof shall not constitute a waiver of, or estoppel against
         asserting the right to require such performance, nor should a waiver or
         estoppel in one case constitute a waiver or estoppel with respect to a
         later breach whether of a similar nature or otherwise.

19.13    Unenforceable Terms. In the event any term or provision of this
         Agreement shall for any reason be declared or held invalid, illegal or
         unenforceable in any respect by a court of competent jurisdiction or by
         the arbitrators contemplated by Article 13, each party shall agree that
         (i) such invalidity, illegality or unenforceability shall not affect
         any other term or provision of this Agreement and (ii) such term or
         provision shall be (a) reformed to the extent necessary to render such
         term or provision valid and enforceable and to reflect the intent of
         the parties to the maximum extent possible under applicable law or (b)
         interpreted and construed as if such term or provision, to the extent
         unenforceable, had never been contained herein.

19.14    Further Assurances. During the term of this Agreement and at all times
         thereafter, each party shall provide to the other party, at its
         request, reasonable cooperation and assistance (including, without
         limitation, the execution and delivery of affidavits, declarations,
         oaths, assignments, samples, exhibits, specimens and any other
         documentation) as necessary to effect the terms of this Agreement.

19.15    References to Articles, Sections and Exhibits. Unless otherwise
         specified herein, all references herein to an Article, Section, or
         Exhibit shall be deemed to be references to the corresponding Article,
         Section or Exhibit of this Agreement.

19.16    Governing Law, Submission to Jurisdiction and Service of Process. All
         rights and obligations of the parties relating to this Agreement shall
         be governed by and construed in accordance with the law of the State of
         New York, without giving effect to any choice-of-law provision or rule
         (whether of the State of New York or any other jurisdiction) that would
         cause the application of the laws of any other jurisdiction. Each party
         shall bring any suit, action or other proceeding to enforce the
         obligation of the other party hereto to resolve a Dispute in accordance
         with Article 13 in a
<PAGE>

         court of competent jurisdiction sitting in the State of Georgia, and
         each party hereby irrevocably waives, to the fullest extent permitted
         by law, any objection that it may have, whether now or in the future,
         to the laying of venue in, or to the jurisdiction of, any and each of
         such courts for the purpose of any such suit, action, proceeding or
         judgment and further waives any claim that any such suit, action
         proceeding or judgment has been brought in an inconvenient forum, and
         each party hereto hereby submits to such jurisdiction. Each party
         hereto hereby agrees that service of process may be completed in any
         such suit, action or proceeding by any reasonable means calculated to
         assure actual notice, including, without limitation delivery by Federal
         Express or other courier service, certified mail or postage prepaid
         first class mail.

19.17    Notices. All notices, requests, demands and other communications given
         or made in accordance with the provisions of this Agreement shall be
         deemed to have been given (i) five (5) days after mailing when mailed
         (by registered or certified mail, postage prepaid, only), (ii) on the
         second day after delivery to a national express courier service
         (including, without limitation, DHL and Federal Express), (iii) on the
         date sent when made by facsimile transmission with confirmation of
         receipt (with hard copy to follow by registered or certified mail,
         postage prepaid, only or by a national express courier service) and
         (iv) on the date received when delivered in person or by hand courier,
         to the address set forth below or such other place or places as such
         party may from time to time designate in writing. Any party may alter
         its address set forth above by notice in writing to the other party in
         the manner set forth herein.
<TABLE>
<S>                                                                <C>
         if to PwCES:                                              if to Equifax:

         PwCES LLC                                                 Equifax Inc.
         50 Hurt Plaza, Suite 1700                                 1600 Peachtree Street
         Atlanta, GA 30303                                         Atlanta, GA 30309
         Attention:        Karl Sachsenmaier                       Attention:        David Post
         Telephone:        404-658-8740                            Telephone:        404-885-8544
         Facsimile:        404-658-8899                            Facsimile:        404-885-8682

         With a copy (which shall not constitute notice) to:       with a copy (which shall not  constitute  notice)
                                                                   to:
         PricewaterhouseCoopers LLP
         1301 Avenue of the Americas                               Equifax Inc.
         New York, NY 10019                                        1600 Peachtree Street
         Attention:  Office of General Counsel                     Atlanta, GA 30309
         Telephone:  212-707-6754                                  Attention:  General Counsel
         Facsimile:  212-259-5142                                  Telephone:        404-888-5093
                                                                   Facsimile:        404-885-8682
         if to PwC:

         PricewaterhouseCoopers LLP
         50 Hurt Plaza, Suite 1700
         Atlanta, GA 30303
         Attention:        Karl Sachsenmaier
         Telephone:        404-658-8740
         Facsimile:        404-658-8899

         With a copy (which shall not constitute notice) to:

         PricewaterhouseCoopers LLP
         1301 Avenue of the Americas
         New York, NY 10019
         Attention:  Office of General Counsel
         Telephone:  212-707-6754
         Facsimile:  212-259-5142
</TABLE>

19.18    No Third Party Beneficiary Status. Except as expressly stated herein
         with respect to each party's Affiliates and contractors, the terms and
         provisions of this Agreement are intended solely for the benefit of
         each party hereto and their
<PAGE>

         respective successors or permitted assigns, and it is not the intention
         of the parties to confer third party beneficiary rights upon any other
         party.

19.19    Headings. Headings and captions contained in this Agreement are for
         convenience only and do not substantively affect the terms of this
         Agreement.

19.20    Expenses. Each party shall be responsible for the costs and expenses
         associated with the preparation or completion of this Agreement and the
         transactions contemplated hereby.

19.21    Equifax Most Favored Vendor Provision. If PwCES provides any services
         to a third party from the same facilities from which the Services are
         provided to Equifax, which services include or utilize any internet,
         intranet or other network security, verification or authentication
         product or service then offered by Equifax (including, without
         limitation, digital signature, certification or authentication products
         or services), (collectively, "Equifax Products"), Equifax shall have a
         right of first refusal to provide the Equifax Products to PwCES in
         connection with such third party services.

                                    * * * * *

IN WITNESS WHEREOF, each of the parties hereto, by its duly authorized
representative, has hereby executed this Finance and Accounting Business Process
and Support Services Agreement.

Agreed to by:

PWCES LLC                                EQUIFAX INC.
By:/s/ Larry B. Quimby                   By:/s/ John T. Chandler
Name: Larry B. Quimby                    Name: John T. Chandler
Title: V.P.                              Title: Corporate V.P.

PRICEWATERHOUSECOOPERS LLP
By:/s/ Larry B. Quimby
Name: Larry B. Quimby
Title: Partner
<PAGE>

                              FIRST AMENDMENT TO
         FINANCE AND ACCOUNTING BUSINESS PROCESS AND SUPPORT SERVICES
                                   AGREEMENT

        This First Amendment ("Amendment"), dated as of June 11, 1999, is made
by and between PwCES LLC, a Delaware limited liability company ("PwCES") and
PricewaterhouseCoopers LLP, a Delaware limited liability partnership ("PwC") on
the one hand, and Equifax Inc., a Georgia corporation ("Equifax") on the other
hand.

RECITALS

        WHEREAS, the parties have entered into that certain Financing and
Accounting Business Process and Support Services Agreement, dated as of June 4,
1999 (the "Agreement"); and

        WHEREAS, the parties desire to amend the Agreement;

        NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties agree as follows:

        1.  Section 3.12(b) of the Agreement is amended by deleting the last
sentence thereof and substituting in lieu thereof the following:

        "PwCES's use of the Equifax Software licensed by Equifax will be subject
to the restrictions of the third party license agreements with the licensors of
such Equifax Software (except to the extent such restriction prohibit PwCES from
using such Equifax Software), and Equifax appoints PwCES as Equifax's agent for
the limited purpose of using such Equifax software to provide the Services,
subject to the restrictions of such third party license agreements, but not for
the purpose of entering into any oral or written agreements for or on behalf of
Equifax with respect to such Equifax Software."

        This Amendment shall be construed in connection with and as part of the
Agreement, and except as modified and expressly amended by this Amendment, all
terms, conditions and covenants contained in the Agreement shall be and remain
in full force and effect. Any and all notices, requests, orders and other
instruments executed and delivered after the execution of this Amendment may
refer to the Agreement without making specific reference to this Amendment, but
nevertheless all such references shall be deemed to include this Amendment
unless the context otherwise requires.

<PAGE>

        IN WITNESS WHEREOF, each of the parties hereto, by its duly authorized
representatives, has hereunto executed this Amendment.

PwCES LLC                                  EQUIFAX INC.

By:     Larry B. Quimby                    By:     John T. Chandler
   -----------------------------               ---------------------------
Name:   Larry B. Quimby                    Name:   John T. Chandler
Title:  Vice President                     Title:  Corporate Vice President

PRICEWATERHOUSECOOPERS LLP

By:     Larry B. Quimby
   ------------------------------
Name:   Larry B. Quimby
Title:  Partner
<PAGE>

                                                                   EXHIBIT 10.29

                         SCHEDULE OF OMITTED EXHIBITS
                                     OF THE
                    FINANCE AND ACCOUNTING BUSINESS PROCESS
                         AND SUPPORT SERVICES AGREEMENT

     The following exhibits to the Finance and Accounting Business Process and
Support Services Agreement, dated as of June 4, 1999 (the "FA Agreement"), among
PwCES LLC ("PwCES"), PricewaterhouseCoopers LLP ("PwC"), and Equifax, Inc.
("Equifax"), as amended by the First Amendment to Finance and Accounting
Business Process and Support Services Agreement, dated as of June 11, 1999,
among PwCES, PwC, and Equifax are omitted from this filing.  Equifax agrees to
provide to the Commission supplementally upon request copies of all exhibits
described below.

Exhibit 1 - is a financial exhibit containing (a) a statement of base charges
---------   for the ten year term of the FA Agreement; (b) a statement of
            baseline services to be provided by PwCES: (c) a statement of
            incremental charges for additional costs to Equifax for additional
            services provided by PwCES: (d) a statement of incremental credits
            to Equifax for sub baseline provision of services by PwCES: (e) an
            inflation adjustment index; (f) provisions for the calculation of
            performance credits and bonuses; (g) a statement of termination
            charges; (h) a statement of threshold limits with respect to
            services provided in the FA Agreement; (i) a statement of the
            minimum revenue commitment; (j) a statement of the pool of resources
            to be made available to Equifax by PwCES; and (k) a statement of
            procedures with respect to third party agreements.

Exhibit 2 - (a) sets forth a general description and a detailed description of
---------   base services to be provided by PwCES to Equifax in the United
            States and Canada which include: (i) finance and accounting
            management, (ii) credit marketing services, (iii) consumer
            information services ("CIS"), (iv) risk management services ("RMS")
            - general accounting, (v) Canada - CIS, (vi) Canada - RMS, (vii)
            payment services general accounting and accounts payable, (viii)
            accounts receivable - shared services, (ix) control accounting -
            shared services, (x) staff support services - shared services, (xi)
            fixed assets - shared services, (xii) budget - shared services,
            (xiii) accounts payable - shared services, and (xiv) information
            technology services; (b) provides that service levels will be
            developed and refined after the execution of the HR Agreement; and
            (c) sets forth service level reporting guidelines for PwCES.

Exhibit 3 - has been intentionally left blank.
---------
<PAGE>

Exhibit 4 - shows that there have been no transferred agreements, and provides a
---------   reference to determine transferred assets.

Exhibit 5 - describes the transition plan pursuant to which PwCES will begin
---------   providing services to Equifax.

Exhibit 6 - sets forth employees that will be affected by the provisions of the
---------   FA Agreement as follows: (a) employees of Equifax that may be
            affected; (b) key Equifax personnel for whom PwCES will attempt to
            assist Equifax in documenting services provided by such personnel in
            case such personnel fail to enter into independent contractor
            agreements with PwCES; (c) it describes the hiring plan of PwCES for
            selected Equifax employees; and (d) and (e) will be attached after
            execution of the FA Agreement to set forth employees who have made
            the transition from being employed by Equifax to being employed by
            PwCES and those persons that will be key employees of PwCES,
            respectively.

Exhibit 7 - is a list of Equifax affiliates.
---------

Exhibit 8 - shows that there is no PwCES software relevant to the FA Agreement.
---------

Exhibit 9 - is a list of Equifax owned and licensed software relevant to the FA
---------   Agreement.

Exhibit 10 - provides for an operating level agreement to be developed and
----------   refined after the execution of the FA Agreement, and inserted after
             the execution of the FA Agreement.

Exhibit 11 - sets forth termination provisions and services to be provided by
----------   PwCES to Equifax upon termination.

Exhibit 12 - describes facilities owned by Equifax to which PwCES will have
----------   access to and use of.

Exhibit 13 - sets forth projects on which Equifax employees are currently
----------   working, and on which certain employees will continue working as
             they transition from being employed by Equifax to being employed by
             PwCES, for the purpose of calculating base charges to be paid from
             Equifax to PwCES.

Exhibit 14 - sets forth a schedule for implementation of a business recovery
----------   plan and a disaster recovery plan for PwCES technology, for Equifax
             software and related hardware, and for critical business processes.
<PAGE>

Exhibit 15 - sets forth (a) a change of control procedure; (b) a bill of sale,
----------   assignment, and power of attorney; and (c) a confidentiality
             agreement to be used among Equifax, PwCES, and third parties.

Exhibit 16 - sets forth certain assumptions to be considered with respect to the
----------   FA Agreement.

Exhibit 17 - is (a) a list of Equifax competitors, and (b) a list of PwCES
----------   competitors.

Exhibit 18 - shows that there is no third party software with respect to the FA
----------   Agreement.

Exhibit 19 - shows that there are no third party agreements with respect to the
----------   FA Agreement.

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