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                                                                   EXHIBIT 10.21

                                  CERTEGY INC.
                              STOCK INCENTIVE PLAN

         1.       Purpose and Effective Date. The purpose of this Certegy Inc.
Stock Incentive Plan, which has been amended and restated (and renamed) as of
February 28, 2002, is to attract and retain directors, officers and other key
employees for Certegy Inc., a Georgia corporation (the "Company") and its
Subsidiaries, and to provide those persons with incentives and rewards for
superior performance. The Plan became effective as of June 15, 2001, the date it
was approved by the Company's Board of Directors. As of February 28, 2002, the
Compensation and Human Resources Committee of the Board amended and restated the
Plan, as provided herein, contingent on approval of the Company's shareholders.

         2.       Definitions. As used in this Plan:

         "Board" means the Board of Directors of the Company.

         "Change in Control" shall have the meaning provided in Section 9 of
this Plan.

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

         "Committee" means the Compensation and Human Resources Committee of the
Board, or any successor committee to which the responsibilities of that
Committee are assigned.

         "Common Share" means shares of common stock, par value $ .01 per share,
of the Company or any security into which such Common Shares may be changed by
reason of any transaction or event of the type referred to in Section 8 of this
Plan.

         "Company" means Certegy Inc., a Georgia corporation.

         "Covered Employee" means a Participant who is, or is determined by the
Board to be likely to become, a "covered employee" within the meaning of Section
162(m) of the Code (or any successor provision).

         "Date of Grant" means the date specified by the Board on which a grant
of Option Rights or a grant or sale of Restricted Shares shall become effective
(which date shall not be earlier than the date on which the Board or its
designee takes action with respect thereto).

         "Director" means a member of the Board of Directors of the Company.

         "Employee Benefits Agreement" means the Employee Benefits Agreement
between Equifax Inc. and the Company dated as of June 30, 2001, which provides
for the treatment of the employee plans in connection with the spin-off of the
Company from Equifax, Inc.

         "Equifax Stock Incentive Plans" means the stock incentive plans
sponsored by Equifax Inc., including the Equifax Inc. 2000 Stock Incentive Plan,
the Equifax Inc. Omnibus Stock

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Incentive Plan, the 1995 Employee Stock Incentive Plan or the 1993 Employee
Stock Incentive Plan.

         "Exchange Act" means the Securities Exchange Act of 1934, as amended,
and the rules and regulations thereunder, as such law, rules and regulations may
be amended from time to time, including any successor statutes of similar
intent.

         "Immediate Family" has the meaning ascribed thereto in Rule 16a-1(e)
under the Exchange Act (or any successor rule to the same effect).

         "Incentive Stock Options" means Option Rights that are intended to
qualify as "incentive stock options" under Section 422 of the Code or any
successor provision.

         "Management Objectives" means the measurable performance objective or
objectives established pursuant to this Plan for Participants who have received
grants of Option Rights, Restricted Shares and dividend credits pursuant to this
Plan, which are subject to the achievement of Management Objectives. Management
Objectives may be described in terms of Company-wide objectives or objectives
that are related to the performance of the individual Participant or of the
Subsidiary, division, department, region or function within the Company or
Subsidiary in which the Participant is employed. The Management Objectives may
be made relative to the performance of other corporations. The Management
Objectives applicable to any award to a Covered Employee shall be based on
specified levels of, or growth in, one or more of the following criteria, as
determined for a single year, or cumulatively for a stated number of years, or
as an average over a stated number of years, or otherwise as determined by the
Committee at the time the Management Objective is established:

          1.       earnings;
          2.       earnings per share;
          3.       economic value added;
          4.       revenue;
          5.       operating profit;
          6.       net income;
          7.       total return to shareholders;
          8.       market share;
          9.       profit margins;
          10.      cash flow/net assets ratio;
          11.      debt/capital ratio;
          12.      return on total capital;
          13.      return on equity;
          14.      return on assets; and
          15.      common stock price.

         If the Committee determines that a change in the business, operations,
corporate structure or capital structure of the Company, or the manner in which
it conducts its business, or other events or circumstances render the Management
Objectives unsuitable, the Committee may in its discretion modify such
Management Objectives or the related minimum acceptable level of achievement, in
whole or in part, as the Committee deems appropriate and equitable, except in
the case of a Covered Employee where such action would result in the loss of the
otherwise available exemption of the award under Section 162(m) of the Code. In
the case of a Covered Employee, in determining financial results, items whose
exclusion from consideration will

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increase the award shall only have their effects excluded if they constitute
"extraordinary" or "unusual" events or items under generally accepted accounting
principles and all such events and items shall be excluded. The Committee shall
also adjust the performance calculations to exclude the unanticipated effect on
financial results of changes in the Code, or other tax laws, and the regulations
thereunder. The Committee may decrease the amount of an award otherwise payable
if, in the Committee's view, the financial performance during the performance
cycle justifies such adjustment, regardless of the extent to which the
Performance Measure was achieved.

         "Market Value per Share" means, (i) the closing sale price per Common
Share as reported on the principal exchange on which Common shares are then
trading, if any, or, if applicable, the NASDAQ National Market System, on the
Date of Grant, or if there are no sales on such day, on the next preceding
trading day during which a sale occurred, or (ii) if clause (i) does not apply,
the fair market value of the Common Shares as determined by the Board.

         "Non-Employee Director" means a Director who is not an employee of the
Company or any Subsidiary.

         "Optionee" means the optionee named in an agreement evidencing an
outstanding Option Right.

         "Option Price" means the purchase price payable on exercise of an
Option Right.

         "Option Right" means the right to purchase Common Shares upon exercise
of an option granted pursuant to Section 4 or Section 6 of this Plan.

         "Participant" means a person who is selected by the Committee to
receive benefits under this Plan and who is at the time an officer, or other key
employee of the Company or any one or more of its Subsidiaries, or who has
agreed to commence serving in any of such capacities within 60 days of the Date
of Grant, and shall also include each Non-Employee Director who receives an
award of Option Rights or Restricted Shares, or any other person, whether or not
an employee, Non-Employee Director or officer, who renders significant services
as a consultant or otherwise, in the discretion of the Committee.

         "Plan" means this amended and restated Certegy Inc. Stock Incentive
Plan, which was formerly known as the Certegy Inc. 2001 Stock Incentive Plan, as
it may be further amended from time to time.

         "Reload Option Rights" means additional Option Rights granted
automatically to an Optionee upon the exercise of Option Rights pursuant to
Section 4(f) of this Plan.

         "Replacement Awards" means Option Rights or Restricted Shares that are
issued in substitution of awards of option rights or restricted shares that were
granted under the Equifax Stock Incentive Plans to former employees of Equifax
Inc. or subsidiaries of Equifax Inc. who are employees of the Company or its
Subsidiaries as of the date of the spin-off of the Company to the shareholders
of Equifax Inc. or who become employees of the Company after such date pursuant
to the Employee Benefits Agreement. As provided in Section 4(n), the Replacement
Awards shall have the same material terms and conditions under the Plan as such
awards had under the respective Equifax Stock Incentive Plans.

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         "Restricted Shares" means Common Shares granted or sold pursuant to
Section 5 or Section 6 of this Plan as to which neither the substantial risk of
forfeiture nor the prohibition on transfers referred to in Section 5 has
expired.

         "Rule 16b-3" means Rule 16b-3 under the Exchange Act (or any successor
rule to the same effect) as in effect from time to time.

         "Securities Act" means the Securities Act of 1933, as amended.

         "Spread" means the excess of the Market Value per Share on the date
when Option Rights are surrendered in payment of the Option Price of Option
Rights, over the Option Price or Base Price provided for in the related Option
Right.

         "Subsidiary" means a corporation, company or other entity (i) more than
50 percent of whose outstanding shares or securities (representing the right to
vote for the election of directors or other managing authority) are, or (ii)
which does not have outstanding shares or securities (as may be the case in a
partnership, joint venture or unincorporated association), but more than 50
percent of whose ownership interest representing the right generally to make
decisions for such other entity is, now or hereafter, owned or controlled,
directly or indirectly, by the Company, except that for purposes of determining
whether any person may be a Participant for purposes of any grant of Incentive
Stock Options, "Subsidiary" means any corporation in which, at the time of the
grant, the Company owns or controls, directly or indirectly, more than 50
percent of the total combined voting power represented by all classes of stock
issued by such corporation.

         "Voting Power" means at any time, the total votes relating to the
then-outstanding securities entitled to vote generally in the election of
Directors.

         3.       Shares Available Under the Plan.

         (a)      Subject to the adjustments provided for in Section 3(b) and
Section 8 of this Plan, the number of Common Shares that may be issued or
transferred (i) upon the exercise of Option Rights, (ii) as Restricted Shares
and released from substantial risks of forfeiture thereof, (iii) as awards to
Non-Employee Directors or (iv) in payment of dividend equivalents paid with
respect to awards made under the Plan shall not exceed in the aggregate
6,600,000 Common Shares. Such shares may be shares of original issuance or
treasury shares or a combination of the foregoing.

         (b)      The number of Common Shares available in Section 3(a) above
shall be adjusted to account for shares relating to awards that expire, are
forfeited or are transferred, surrendered or relinquished upon the payment of
any Option Price by the transfer to the Company of Common Shares or upon
satisfaction of any withholding amount. Upon payment in cash of the benefit
provided by any award granted under this Plan, any shares that were covered by
that award shall again be available for issue or transfer hereunder. In addition
to these adjustments, commencing on January 1, 2002, and on each January 1
thereafter ending on January 1, 2008, an additional number of Common Shares
shall be added to the total available under Section 3(a), equal to one half
percent (1/2 %) of the number of Common Shares issued and outstanding on that
January 1st date.

         (c)      Notwithstanding anything in this Section 3, or elsewhere in
this Plan, to the contrary and subject to adjustment as provided in Section 8 of
this Plan, the aggregate number of

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Common Shares actually issued or transferred by the Company under this Plan upon
the exercise of Incentive Stock Options shall not exceed 10,000,000 Common
Shares. Subject to adjustments as provided in Section 8, no Participant shall be
granted Option Rights for more than 350,000 Common Shares during any one
calendar year; the number of shares issued as Restricted Shares to any
Participant shall not exceed 200,000 Common Shares in any one calendar year; and
no Non-Employee Director shall be granted Option Rights and Restricted Shares,
in the aggregate, for more than 20,000 Common Shares in any one calendar year.

         4.       Option Rights. The Committee may, from time to time and upon
such terms and conditions as it may determine, authorize the granting to
Participants of options to purchase Common Shares. Such grants may be original
awards or Replacement Awards. Each such grant may utilize any or all of the
authorizations, and shall be subject to all of the requirements contained in the
following provisions:

         (a)      Each grant shall specify the number of Common Shares to which
it pertains subject to the limitations set forth in Section 3 of this plan.

         (b)      Each grant shall specify an Option Price per share, which may
not be less than the Market Value per Share on the Date of Grant, provided that
this restriction shall not apply to Replacement Awards.

         (c)      Each grant shall specify whether the Option Price shall be
payable (i) in cash or by check acceptable to the Company, (ii) by the actual or
constructive transfer to the Company of Common Shares owned by the Optionee for
at least 6 months (or other consideration authorized pursuant to Section 4(d))
having a value at the time of exercise equal to the total Option Price, or (iii)
by a combination of such methods of payment.

         (d)      The Committee may determine, at or after the Date of Grant,
that payment of the Option Price of any Option Right (other than an Incentive
Stock Option) may also be made in whole or in part in the form of Restricted
Shares or other Common Shares that are forfeitable or subject to restrictions on
transfer, or other Option Rights (based on the Spread on the date of exercise).
Unless otherwise determined by the Committee at or after the Date of Grant,
whenever any Option Price is paid in whole or in part by means of any of the
forms of consideration specified in this Section 4(d), the Common Shares
received upon the exercise of the Option Rights shall be subject to such risks
of forfeiture or restrictions on transfer as may correspond to any that apply to
the consideration surrendered, but only to the extent, determined with respect
to the consideration surrendered, of (i) the number of shares, or (ii) the
Spread of any unexercisable portion of Option Rights.

         (e)      Any grant may provide for deferred payment of the Option Price
from the proceeds of sale through a bank or broker on a date satisfactory to the
Company of some or all of the shares to which such exercise relates.

         (f)      Any grant may, at or after the Date of Grant, provide for the
automatic grant of Reload Option Rights to an Optionee upon the exercise of
Option Rights (including Reload Option Rights) using Common Shares or other
consideration specified in Section 4(d). Reload Option Rights shall cover up to
the number of Common Shares or Option Rights surrendered to the Company upon any
such exercise in payment of the Option Price or to meet any withholding
obligations. Reload Options may not have an Option Price that is less than the
applicable Market

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Value per Share at the time of exercise and shall be on such other terms as may
be specified by the Committee, which may be the same as or different from those
of the original Option Rights.

         (g)      Successive grants may be made to the same Participant whether
or not any Option Rights previously granted to such Participant remain
unexercised.

         (h)      Each grant shall specify the period or periods of continuous
service by the Optionee with the Company or any Subsidiary that is necessary
before the Option Rights or installments thereof will become exercisable and may
provide for continued vesting of the Option Rights after a termination of
employment by reason of the Optionee's retirement, death, disability or other
events as specified by the Committee. Each grant may also provide for the
earlier exercise of such Option Rights in the event of a Change in Control,
retirement, death or disability of the Optionee or other similar transaction or
event.

         (i)      Any grant of Option Rights may specify Management Objectives
that must be achieved as a condition to the exercise of such rights.

         (j)      Option Rights granted under this Plan may be (i) options,
including, without limitation, Incentive Stock Options that are intended to
qualify under particular provisions of the Code, (ii) options that are not
intended so to qualify, or (iii) combinations of the foregoing.

         (k)      The Committee may, at or after the Date of Grant of any Option
Rights (other than Incentive Stock Options), provide for the payment of dividend
equivalents to the Optionee on either a current or deferred or contingent basis
or may provide that such equivalents shall be credited against the Option Price.

         (l)      No Option Right shall be exercisable more than 10 years from
the Date of Grant.

         (m)      Each grant of Option Rights shall be evidenced by an agreement
or other written notice from the Company by an officer and delivered to the
Optionee and containing such terms and provisions, consistent with this Plan, as
the Committee may approve.

                  (i)      Each Replacement Award shall reflect the adjustments
         provided for in the Employee Benefits Agreements and shall have the
         same material terms and conditions as the award it replaces under the
         Equifax Stock Incentive Plans, as determined by the Committee.
         Notwithstanding any other provision in this Plan to the contrary, no
         Replacement Award in substitution of an award that qualified as an
         Incentive Stock Option immediately before the grant of the Replacement
         Award shall contain any term that is more favorable than the terms of
         the substituted award.

         5.       Restricted Shares. The Committee may also authorize the grant
or sale of Restricted Shares to Participants. Each such grant or sale may
utilize any or all of the authorizations, and shall be subject to all of the
requirements, contained in the following provisions:

         (a)      Each such grant or sale shall constitute an immediate transfer
of the ownership of Common Shares to the Participant in consideration of the
performance of services, entitling such Participant to voting, dividend and
other ownership rights, but subject to the substantial risk of forfeiture and
restrictions on transfer hereinafter referred to.

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         (b)      Each such grant or sale may be made without additional
consideration or in consideration of a payment by such Participant that is less
than Market Value per Share at the Date of Grant.

         (c)      Each such grant or sale shall provide that the Restricted
Shares covered by such grant or sale shall be subject to a "substantial risk of
forfeiture" within the meaning of Section 83 of the Code for a period to be
determined by the Committee at the Date of Grant and may provide for the earlier
lapse of such substantial risk of forfeiture in the event of a Change in Control
or other transaction or event; provided, however, that the Restricted Shares
covered by any Replacement Award shall be subject to a "substantial risk of
forfeiture" for the period provided in the award it replaced, as determined by
the Committee.

         (d)      Each such grant or sale shall provide that during the period
for which such substantial risk of forfeiture is to continue, the
transferability of the Restricted Shares shall be prohibited or restricted in
the manner and to the extent prescribed by the Board at the Date of Grant (which
restrictions may include, without limitation, rights of repurchase or first
refusal in the Company or provisions subjecting the Restricted Shares to a
continuing substantial risk of forfeiture in the hands of any transferee).

         (e)      Any grant of Restricted Shares may specify Management
Objectives that, if achieved, will result in termination or early termination of
the restrictions applicable to such shares. Each grant may specify in respect of
such Management Objectives a minimum acceptable level of achievement and may set
forth a formula for determining the number of Restricted Shares on which
restrictions will terminate if performance is at or above the minimum level, but
falls short of full achievement of the specified Management Objectives.

         (f)      Any grant or sale of Restricted Shares may require that any or
all dividends or other distributions paid thereon during the period of such
restrictions be automatically deferred and reinvested in additional Restricted
Shares, which may be subject to the same restrictions as the underlying award.

         (g)      Each grant or sale of Restricted Shares shall be evidenced by
an agreement executed on behalf of the Company by any officer and delivered to
and accepted by the Participant and shall contain such terms and provisions,
consistent with this Plan, as the Committee may approve. Unless otherwise
directed by the Committee, all certificates representing Restricted Shares shall
be held in custody by the Company until all restrictions thereon shall have
lapsed, together with a stock power or powers executed by the Participant in
whose name such certificates are registered, endorsed in blank and covering such
Shares.

         6.       Awards to Non-Employee Directors. The Committee may, from time
to time and upon such terms and conditions as it may determine, authorize the
granting to Non-Employee Directors of Option Rights and may also authorize the
grant or sale of Restricted Shares to Non-Employee Directors.

         (a)      Each grant of Option Rights awarded pursuant to this Section 6
shall be upon terms and conditions consistent with Section 4 of this Plan and
shall be evidenced by an agreement in such form as shall be approved by the
Committee. Each grant shall specify an Option Price per share, which shall not
be less than the Market Value per Share on the Date of Grant. Each such Option
Right granted under the Plan shall expire not more than 10 years from the Date
of Grant and shall be subject to earlier termination as hereinafter provided.
Unless

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otherwise determined by the Committee, such Option Rights shall be subject to
the following additional terms and conditions:

                  (i)      Each grant shall specify the number of Common Shares
                           to which it pertains subject to the limitations set
                           forth in Section 3 of this plan.

                  (ii)     In the event of the death or disability of the holder
                           of any such Option Rights, each of the then
                           outstanding vested Option Rights of such holder may
                           be exercised at any time within a stated period after
                           such death or disability, as provided by the
                           Committee in the grant, but in no event after the
                           expiration date of the term of such Option Rights.

                  (iii)    If a Non-Employee Director subsequently becomes an
                           employee of the Company or a Subsidiary while
                           remaining a member of the Board, any Option Rights
                           held under the Plan by such individual at the time of
                           such commencement of employment shall not be affected
                           thereby.

                  (iv)     Option Rights may be exercised by a Non-Employee
                           Director only upon payment to the Company in full of
                           the Option Price of the Common Shares to be
                           delivered. Such payment shall be made in cash or in
                           Common Shares then owned by the optionee for at least
                           six months, or in a combination of cash and such
                           Common Shares.

                  (v)      Any grant may provide for deferred payment of the
                           Option Price from the proceeds of sale through a bank
                           or broker on a date satisfactory to the Company of
                           some or all of the shares to which such exercise
                           relates.

         (b)      Each grant or sale of Restricted Shares pursuant to this
Section 6 shall be upon terms and conditions consistent with Section 5 of this
Plan.

         7.       Transferability.

         (a)      Except as otherwise determined by the Committee, no Option
Right granted under the Plan shall be transferable by a Participant other than
by will or the laws of descent and distribution. Except as otherwise determined
by the Committee, Option Rights shall be exercisable during the Optionee's
lifetime only by him or her or by his or her guardian or legal representative.

         (b)      The Committee may specify at the Date of Grant that part or
all of the Common Shares that are (i) to be issued or transferred by the Company
upon the exercise of Option Rights or (ii) no longer subject to the substantial
risk of forfeiture and restrictions on transfer referred to in Section 5 of this
Plan, shall be subject to further restrictions on transfer.

         (c)      Notwithstanding the provisions of Section 7(a), the Committee
may provide that any grant of Option Rights (other than Incentive Stock Options)
and Restricted Shares shall be transferable by a Participant, without payment of
consideration therefor by the transferee, to any one or more members of the
Participant's Immediate Family (or to one or more trusts established solely for
the benefit of one or more members of the Participant's Immediate Family or to
one or more partnerships in which the only partners are members of the
Participant's Immediate Family); provided, however, that (i) no such transfer
shall be effective unless reasonable prior notice thereof is delivered to the
Company and the Committee and such transfer is thereafter

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effected in accordance with any terms and conditions that shall have been made
applicable thereto by the Company or the Committee and (ii) any such transferee
shall be subject to the same terms and conditions hereunder as the Participant.

         8.       Adjustments. The Committee may make or provide for such
adjustments in the numbers of Common Shares covered by outstanding Option Rights
granted hereunder, and in the Option Price and Base Price, and in the kind of
shares covered thereby, as the Committee, in its sole discretion, exercised in
good faith, may determine is equitably required to prevent dilution or
enlargement of the rights of Participants or Optionees that otherwise would
result from (a) any stock dividend, stock split, combination of shares,
recapitalization or other change in the capital structure of the Company, or (b)
any merger, consolidation, spin-off, split-off, spin-out, split-up,
reorganization, partial or complete liquidation or other distribution of assets,
issuance of rights or warrants to purchase securities, or (c) any other
corporate transaction or event having an effect similar to any of the foregoing.
Moreover, in the event of any such transaction or event, the Committee, in its
discretion, may provide in substitution for any or all outstanding awards under
this Plan such alternative consideration as it, in good faith, may determine to
be equitable in the circumstances and may require in connection therewith the
surrender of all awards so replaced. The Committee may also make or provide for
such adjustments in the numbers of shares specified in Section 3 of this Plan as
the Committee in its sole discretion, exercised in good faith, may determine is
appropriate to reflect any transaction or event described in this Section 8;
provided, however, that any such adjustment to the number specified in Section
3(c)(i) shall be made only if and to the extent that such adjustment would not
cause any Option intended to qualify as an Incentive Stock Option to fail so to
qualify, and the Committee may take into consideration, as to any award subject
to a proposed adjustment, the potential adverse effect thereof under applicable
tax or other laws, and may adjust such awards inconsistently as a consequence of
those effects.

         9.       Change in Control. For purposes of this Plan, except as may be
otherwise prescribed by the Committee in an agreement evidencing a grant or
award made under the Plan, a "Change in Control" shall mean if at any time any
of the following events shall have occurred:

         (a)      Voting Stock Accumulations. The accumulation by any Person of
Beneficial Ownership of twenty percent (20%) or more of the combined voting
power of the Company's Voting Stock; provided that for purposes of this Section
9(a), a Change in Control will not be deemed to have occurred if the
accumulation of twenty percent (20%) or more of the voting power of the
Company's Voting Stock results from any acquisition of Voting Stock (i) directly
from the Company that is approved by the Incumbent Board, (ii) by the Company,
(iii) by any employee benefit plan (or related trust) sponsored or maintained by
the Company or any Subsidiary, or (d) by any Person pursuant to a Business
Combination that complies with all of the provisions of clauses (i), (ii) and
(iii) of Section 9(b); or

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         (b)      Business Combinations. Consummation of a Business Combination,
unless, immediately following that Business Combination, (i) all or
substantially all of the Persons who were the beneficial owners of Voting Stock
of the Company immediately prior to that Business Combination beneficially own,
directly or indirectly, more than sixty-six and two-thirds percent (66 2/3%) of
the then outstanding shares of common stock and the combined voting power of the
then outstanding voting securities entitled to vote generally in the election of
Directors of the entity resulting from that Business Combination (including,
without limitation, an entity that as a result of that transaction owns the
Company or all or substantially all of the Company's assets either directly or
through one or more subsidiaries) in substantially the same proportions relative
to each other as their ownership, immediately prior to that Business
Combination, of the Voting Stock of the Company, (ii) no Person (other than the
Company, that entity resulting from that Business Combination, or any employee
benefit plan (or related trust) sponsored or maintained by the Company, any
Eighty Percent (80%) Subsidiary or that entity resulting from that Business
Combination) beneficially owns, directly or indirectly, twenty percent (20%) or
more of the then outstanding shares of common stock of the entity resulting from
that Business Combination or the combined voting power of the then outstanding
voting securities entitled to vote generally in the election of directors of
that entity, and (iii) at least a majority of the members of the Board of
Directors of the entity resulting from that Business Combination were members of
the Incumbent Board at the time of the action of the Board of Directors
providing for that Business Combination; or

         (c)      Sale of Assets. A sale or other disposition of all or
substantially all of the assets of the Company; or

         (d)      Liquidations or Dissolutions. Approval by the shareholders of
the Company of a complete liquidation or dissolution of the Company, except
pursuant to a Business Combination that complies with all of the provisions of
clauses (i), (ii) and (iii) of Section 9(b).

         For purposes of this Section 9, the following definitions will apply:

                  (i)      "Beneficial Ownership" means beneficial ownership as
         that term is used in Rule 13d-3 promulgated under the Exchange Act.

                  (ii)     "Business Combination" means a reorganization, merger
         or consolidation of the Company.

                  (iii)    "Eighty Percent (80%) Subsidiary" means an entity in
         which the Company directly or indirectly beneficially owns eighty
         percent (80%) or more of the outstanding Voting Stock.

                  (iv)     "Exchange Act" means the Securities Exchange Act of
        1934, including amendments, or successor statutes of similar intent.

                  (v)      "Incumbent Board" means a Board of Directors at least
         a majority of whom consist of individuals who either are (a) members of
         the Company's Board of Directors as of June 30, 2001, or (b) members
         who become members of the Company's Board of Directors subsequent to
         June 30, 2001, whose election, or nomination for election by the
         Company's shareholders, was approved by a vote of at least two-thirds
         (2/3) of the directors then comprising the Incumbent Board (either by a
         specific vote or

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         by approval of the proxy statement of the Company in which that person
         is named as a nominee for director, without objection to that
         nomination), but excluding, for that purpose, any individual whose
         initial assumption of office occurs as a result of an actual or
         threatened election contest (within the meaning of Rule 14a-11 of the
         Exchange Act) with respect to the election or removal of directors or
         other actual or threatened solicitation of proxies or consents by or on
         behalf of a Person other than the Board of Directors.

                  (vi)     "Person" means any individual, entity or group
                           (within the meaning of Section 13(d)(3) or 14 (d)(2)
                           of the Exchange Act).

                  (vii)    "Voting Stock" means the then outstanding securities
                           of an entity entitled to vote generally in the
                           election of members of that entity's Board.

         10.      Fractional Shares. The Company shall not be required to issue
any fractional Common Shares pursuant to this Plan. The Committee may provide
for the elimination of fractions or for the settlement of fractions in cash.

         11.      Withholding Taxes. To the extent that the Company is required
to withhold federal, state, local or foreign taxes in connection with any
payment made or benefit realized by a Participant or other person under this
Plan, and the amounts available to the Company for such withholding are
insufficient, it shall be a condition to the receipt of such payment or the
realization of such benefit that the Participant or such other person make
arrangements satisfactory to the Company and the Committee for payment of the
balance of such taxes required to be withheld, which arrangements (in the
discretion of the Committee) may include relinquishment of a portion of such
benefit. With the consent of the Committee, a Participant or such other person
may also make similar arrangements with respect to the payment of any taxes with
respect to which withholding is not required.

         12.      Foreign Employees. In order to facilitate the making of any
grant or combination of grants under this Plan, the Committee may provide for
such special terms for awards to Participants who are foreign nationals or who
are employed by the Company or any Subsidiary outside of the United States of
America as the Committee may consider necessary or appropriate to accommodate
differences in local law, tax policy or custom, which special terms may be
contained in an Appendix attached hereto. Moreover, the Committee may approve
such supplements to or amendments, restatements or alternative versions of this
Plan as it may consider necessary or appropriate for such purposes, without
thereby affecting the terms of this Plan as in effect for any other purpose, and
the Secretary or other appropriate officer of the Company may certify any such
document as having been approved and adopted in the same manner as this Plan. No
such special terms, supplements, amendments or restatements, however, shall
include any provisions that are inconsistent with the terms of this Plan as then
in effect unless this Plan could have been amended to eliminate such
inconsistency without further approval by the shareholders of the Company.

         13.      Administration of the Plan.

         (a)      This Plan shall be administered by the Committee. A majority
of the Committee shall constitute a quorum, and the action of the members of the
Committee present at any meeting at which a quorum is present, or acts
unanimously approved in writing, shall be the acts of the Committee. Except as
the Board may otherwise determine, so long as the Company's

                                       11
<PAGE>

outstanding Common Shares are owned by Equifax Inc., all matters relating to
awards under the Plan shall be, and hereby are, delegated to the Compensation
and Human Resources Committee of Equifax Inc., provided that all actions taken
shall be subject to the approval of the Board.

         (b)      The Committee, in its discretion, may delegate to one or more
officers of the Company, all or part of the Committee's authority and duties
with respect to Participants who are not subject to the reporting and other
provisions of Section 16 of the Exchange Act or any successor rule to the same
effect. In the event of such delegation, and as to matters encompassed by the
delegation, references in the Plan to the Committee shall be interpreted as a
reference to the Committee's delegate or delegates. The Committee may revoke or
amend the terms of a delegation at any time but such action shall not invalidate
any prior actions of the Committee's delegate or delegates that were consistent
with the terms of the Plan.

         (c)      The interpretation and construction by the Committee of any
provision of this Plan or of any agreement, notification or document evidencing
the grant of Option Rights or Restricted Shares, and any determination by the
Committee pursuant to any provision of this Plan or of any such agreement,
notification or document shall be final and conclusive. No member of the
Committee shall be liable for any such action or determination made in good
faith.

         14.      Amendments, Etc.

         (a)      The Committee may at any time and from time to time amend the
Plan in whole or in part; provided, however, that any amendment which must be
approved by the shareholders of the Company in order to comply with applicable
law or the rules of the New York Stock Exchange or, if the Common Shares are not
traded on the New York Stock Exchange, the principal national securities
exchange upon which the Common Shares are traded or quoted, shall not be
effective unless and until such approval has been obtained. Presentation of this
Plan or any amendment hereof for shareholder approval shall not be construed to
limit the Company's authority to offer similar or dissimilar benefits under
other plans without shareholder approval. No amendment shall, without a
Participant's consent, adversely affect any rights of any Participant with
respect to any award outstanding at the time such amendment is made. No
amendment to this Plan shall become effective until shareholder approval is
obtained if (i) the amendment increases the aggregate number of Common Shares
that may be issued under the Plan, (ii) the amendment changes the class of
individuals eligible to become Participants, or (iii) the amendment extends the
duration of the Plan.

         (b)      The Committee shall not, without the further approval of the
shareholders of the Company, authorize the amendment of any outstanding Option
Right to reduce the Option Price. Furthermore, no Option Right shall be canceled
and replaced with awards having a lower Option Price without further approval of
the shareholders of the Company. This Section 14(b) is intended to prohibit the
repricing of "underwater" Option Rights and shall not be construed to prohibit
the adjustments provided for in Section 8 of this Plan.

         (c)      The Committee also may permit Participants to elect to defer
the issuance of Common Shares or the settlement of awards in cash under the Plan
pursuant to such rules, procedures or programs as it may establish for purposes
of this Plan. The Committee also may provide that deferred issuances and
settlements include the payment or crediting of dividend equivalents or interest
on the deferral amounts.

                                       12
<PAGE>

         (d)      The Committee may condition the grant of any award or
combination of awards authorized under this Plan on the surrender or deferral by
the Participant of his or her right to receive a cash bonus or other
compensation otherwise payable by the Company or a Subsidiary to the
Participant.

         (e)      In case of termination of employment by reason of death,
disability or normal or early retirement, or in the case of hardship or other
special circumstances, of a Participant who holds an Option Right not
immediately exercisable in full, or any Restricted Shares as to which the
substantial risk of forfeiture or the prohibition or restriction on transfer has
not lapsed, or who holds Common Shares subject to any transfer restriction
imposed pursuant to Section 7(b) of this Plan, the Committee may, in its sole
discretion, accelerate the time at which such Option Right may be exercised or
the time at which such substantial risk of forfeiture or prohibition or
restriction on transfer will lapse or the time when such transfer restriction
will terminate or may waive any other limitation or requirement under any such
award.

         (f)      This Plan shall not confer upon any Participant any right with
respect to continuance of employment or other service with the Company or any
Subsidiary, nor shall it interfere in any way with the right of the Company or
any Subsidiary to terminate such Participant's employment or other service at
any time.

         (g)      To the extent that any provision of this Plan would prevent
any Option Right that was intended to qualify as an Incentive Stock Option from
qualifying as such, that provision shall be null and void with respect to such
Option Right. Such provision, however, shall remain in effect for other Option
Rights and there shall be no further effect on any provision of this Plan.

         15.      Termination. No grant shall be made under this Plan more than
10 years after the date on which this Plan is first approved by the Board of
Directors of the Company, but all grants made on or prior to such date shall
continue in effect thereafter subject to the terms thereof and of this Plan. The
Committee may terminate the Plan at any time provided that such termination
shall not adversely affect the rights of any Participant or beneficiary under
any award granted prior to the date of such termination.

                                       13<PAGE>
                                                                   EXHIBIT 10.22

                                  CERTEGY INC.

                  2001 KEY MANAGEMENT LONG-TERM INCENTIVE PLAN

                             Effective June 15, 2001

                                   ARTICLE I
                                    Purpose

The purpose of the plan is to provide long-term incentive compensation to
Eligible Executives of Certegy Inc. and/or its subsidiaries who make substantial
contributions to the success of their employers, to provide a means for such
Eligible Executives to participate in such success, and to assist in attracting
and retaining the highest quality individuals in key executive positions. This
plan is effective June 15, 2001.

                                   ARTICLE II
                                   Definitions

The following words and phrases shall have the respective meanings set forth
below (unless the context indicates otherwise).

         2.1      "Approval of Shareholders" shall mean the affirmative vote of
the holders of at least a majority of the shares of common stock of the Company
then outstanding.

         2.2      "Award" shall mean the stated cash amount(s) to which
Participants will be entitled upon achievement of goals based on Management
Objectives established at the time the Award is granted.

         2.3      "Committee" shall mean the Compensation and Human Resources
Committee of the Company's Board of Directors, as the same from time to time may
be constituted, or such other committee as may be appointed by the Board of
Directors.

         2.4      "Common Stock" means the Common Stock, $.01 par value per
share, of the Company.

         2.5      "Company" shall mean Certegy Inc.

         2.6      "Eligible Executive" shall mean elected officers and any other
key management personnel of the Company or a subsidiary or division of the
Company as determined by the Committee, from time to time, including, without
limitation, any officer who is a Director. An Eligible Executive shall not
include an officer who is not a full-time employee, even though said officer is
a Director, except that a person who was an Eligible Executive and a Director
immediately prior to his retirement as an employee of the Company shall continue
to be an Eligible Executive so long as he retains his position as an officer and
Director.

<PAGE>

         2.7      "Employer" shall mean the Company or the subsidiary or
affiliate of the Company by whom the Participant is employed at the time in
question.

         2.8      "Management Objective" shall mean specified levels of, or
growth in, one or more of the following criteria:

                  (a)      earnings;
                  (b)      earnings per share;
                  (c)      economic value added;
                  (d)      revenue;
                  (e)      sales;
                  (f)      operating profit;
                  (g)      net income;
                  (h)      total return to shareholders;
                  (i)      market share;
                  (j)      profit margin;
                  (k)      cash flow/net assets ratio;
                  (l)      debt/capital ratio;
                  (m)      return on total capital;
                  (n)      return on equity;
                  (o)      return on assets; and
                  (p)      common stock price.

If the Committee makes an Award subject to a particular Management Objective,
the Committee shall adopt or confirm a written definition of that Management
Objective at the time of the Award. Management Objectives may be described in
terms of Company-wide objectives or objectives that are related to a specific
division, subsidiary, Employer, department, region, or function in which the
Participant is employed. Management Objectives may be made relative to the
performance of other corporations.

If the Committee determines that a change in the business, operations, corporate
structure or capital structure of the Company, or the manner in which it
conducts its business, or other events or circumstances render the Management
Objectives unsuitable, the Committee may in its discretion modify such
Management Objectives or the related minimum acceptable level of achievement, in
whole or in part, as the Committee deems appropriate and equitable, except in
the case of a Covered Employee where such action would result in the loss of the
otherwise available exemption of the award under Section 162(m) of the Code. In
the case of a Covered Employee, in determining financial results, items whose
exclusion from consideration will increase the Award shall only have their
effects excluded if they constitute "extraordinary" or "unusual" events or items
under generally accepted accounting principles and all such events and items
shall be excluded. The Committee shall also adjust the performance calculations
to exclude the unanticipated effect on financial results of changes in the Code,
or other tax laws, and the regulations thereunder. The Committee may decrease
the amount of an Award otherwise payable if, in the Committee's view, the
financial performance during the performance cycle justifies such adjustment,
regardless of the extent to which the Performance Measure was achieved.

                                       2
<PAGE>

         2.9      "Measurement Period:" Management Objectives may be calculated
on the basis of a portion of a year, a single year, cumulatively for a stated
number of years, as an average over a stated number of years, or otherwise, as
determined by the Committee at the time the Management Objective is established,
which shall be the "Measurement Period."

         2.10     "Participant" means any Eligible Executive to whom an Award
has been granted but not yet paid pursuant to this Plan.

         2.11     "Plan" means this Certegy Inc. 2001 Key Management Long-Term
Incentive Plan.

                                  ARTICLE III
                                  Eligibility

All Eligible Executives, as determined by the Committee, from time to time,
shall be eligible for participation in this Plan.

                                   ARTICLE IV
      Selection of Participants, Grant of Awards and Administration of Plan

The Committee shall determine, from time to time, those officers who are to be
granted Awards pursuant to Article V below. This Plan shall be administered by
the Committee, and the Committee shall (1) construe and interpret the Plan, and
(2) make such reasonable rules and regulations for the administration of the
Plan as it deems advisable. Any determination by the Committee in administering,
interpreting or construing the Plan in accordance with this Article shall be
final, binding and conclusive for all purposes and upon all interested persons.

                                   ARTICLE V
                Grants of Awards, Effective Date and Termination

Subject to the provisions below, the maximum Award granted to any Participant in
any fiscal year of the Company shall not exceed $5,000,000. Subject to the
approval of Equifax Inc. as the shareholder of the Company, this Plan shall
become effective June 15, 2001. No Awards may be granted under this Plan after
the 10th anniversary of the date the Plan is approved by the Board of Directors.

                                   ARTICLE VI
           Right to Receive Cash Award; Conversion to Equity Interest

         6.1      Subject to the provisions of Article V, the Participant shall
be entitled to receive the cash to which his Award entitles him as soon as
practical after the end of the Measurement Period with respect to that Award;
provided, however, that:

                                       3
<PAGE>

         (a)      Each Award granted under the Plan shall be forfeited and
canceled in all respects, and no cash shall be delivered or paid to the
Participant thereof, in the event that:

                  (i)      The employment of the Participant by the Employer is
         terminated, either voluntarily or involuntarily, by the Employer or the
         Participant, for any reason whatsoever (subject to the provisions of
         Article VII hereof) prior to the end of the Measurement Period for that
         Award;

                  (ii)     The employment status of the Participant has changed
         prior to the end of the Measurement Period for that Award so that the
         Participant is no longer an Eligible Executive; or

                  (iii)    The Management Objective for the Measurement Period
         for such Award is less than the minimum stated in the Award.

         (b)      A portion, or all, of each Award shall be forfeited and
canceled in all respects, and no cash shall be delivered or paid with respect to
the portion of such Award so forfeited and canceled, in the event that the
aggregate Management Objective for the Measurement Period with respect to the
Award is not at least equal to a minimum stated in the Award.

         (c)      The Committee shall establish, for each Measurement Period,
the goals based on one or more Management Objectives. These goals will be
established on or before the date any Award relating to said Measurement Period
is granted. The goals will be established with consideration given to the
economic conditions existing at the time said goals are established. A portion,
or all, of each Award shall be forfeited and canceled in all respects, and no
cash shall be delivered or paid with respect to the portion of such Award so
forfeited and canceled, in the event that the goals established for the
Measurement Period are not achieved, all as prescribed by the Committee. The
Committee shall deliver to each Participant written notice of the goals
established for the Measurement Period to which said Award relates, along with
the forfeiture provisions relating to said Award. Even though performance goals
established for each Measurement Period are met or exceeded, the Committee shall
have the discretion, as to each Participant, to reduce the amount of an Award
that would otherwise be paid or to determine that no portion should be paid. The
Committee may not increase the amount of an Award that would otherwise be paid.

         (d)      Nothing contained in this Article VI or elsewhere in this Plan
shall eliminate, impair or otherwise affect the right of the Employer to
terminate or change the employment of any Eligible Executive at any time, and
the grant of an Award to any such Eligible Executive shall not be deemed to, and
shall not, result in any agreement, expressed or implied, by the Employer to
retain such person in any specific position or in its employ for the duration of
the Measurement Period with respect to such Award or for any other period.

                                       4
<PAGE>

         (e)      Subject to the provisions of this paragraph, the terms of an
Award may provide, if the Committee so directs in each instance, that each
Participant may elect, by delivering written notice of such election to the
Secretary of the Company during the period defined below, to surrender his or
her right to receive up to the full value of the Award that would otherwise be
paid to the Participant at the end of the Measurement Period, in exchange for
the right to receive an equity interest as described below. In order to be
effective, such written notice of election must be delivered to the Secretary of
the Company during a period beginning on the third business day following
release for publication (in the manner hereinafter set forth) of the Company's
quarterly statements of sales and earnings for the final fiscal quarter ending
within the Measurement Period and ending on the twelfth business day following
said release for publication. Any such election shall be subject to the right of
the Committee to disapprove the same, in whole or in part, at any time after
such election but prior to the issuance of cash with respect to the particular
Award in accordance with the provisions of this Plan. In the event of the death,
disability or retirement of a Participant, at any time during the Measurement
Period to which an Award relates, the Award shall be distributed as provided in
Article VII hereof regardless of any election made by such Participant. The
release for publication of the Company's quarterly statements as referred to in
the second sentence of this paragraph shall be deemed to have been made at the
time such data appears (i) on a wire service, (ii) in a financial news service,
(iii) in a newspaper of general circulation or (iv) is otherwise made publicly
available. For purposes of this paragraph, the determination of the appropriate
equity interest into which the cash award is converted shall be made based on
rules adopted by the Committee and uniformly applied, and said rules shall be
adopted prior to or at the time of the grant of the Award in question, and the
aggregate value of the cash portion and the value of the equity interest for any
individual, determined at the date of grant, shall not exceed the maximum
referred to in Article V. The equity interest may be an option for purchase of
Common Stock, restricted shares of Common Stock, or any other equity interest
determined by the Committee. The equity interest may be issued by the Committee
on its own action or pursuant to the Company's 2001 Stock Incentive Plan or any
such other stock incentive plan as the Committee deems appropriate.

                                  ARTICLE VII
              Death, Disability or Retirement of Eligible Executive
                       or Change in Control of the Company

         7.1      In the event of the termination of employment with the
Employer during any Measurement Period of any Participant by reason of the death
or disability or retirement of such Participant, the Committee may, but shall
not be obligated to, waive the continuation of the employment requirement set
forth in section 6.1(a)(i) above. In the event that such requirement is waived,
such Participant or his estate, as the case may be, will be entitled to receive
an Award in cash equivalent to a pro rata portion of the amount which said
Participant would have received, if the employment of such Participant had
continued through the Measurement Period for such Award. For purposes of Article
VI and this Article VII, a Participant shall not be deemed to have terminated
his employment although he retires from said employment, if he continues to
serve as an elected officer of the Company or a subsidiary of the Company and to
serve as a Director of

                                       5
<PAGE>

the Company; said Eligible Executive shall be deemed to have terminated his
employment when his term of office expires and he is not re-elected thereto, or
when he is removed or resigns from office, if earlier.

         7.2      This pro rata portion shall be computed as follows: The cash
Award which would have been earned based on the level of actual achievement of
the Management Objective at the end of the Measurement Period will be multiplied
by a fraction, the numerator of which shall be the number of full calendar
months during the Measurement Period prior to the Participant's death,
disability or retirement, and the denominator of which shall be the number of
full calendar months contained in the complete Measurement Period.

         7.3      In the event of the termination of employment with the
Employer of any Participant after completing a Measurement Period, but before
distribution of his Award is made, such Participant or his estate, as the case
may be, will be entitled to receive the Award to the same extent, in the same
manner and at the same time as if the employment of such Eligible Executive had
not terminated, except that if the Participant has directly or indirectly
engaged in any activity that is harmful to the Company or the Employer, as
determined by the Committee in its sole discretion (including without limitation
the disclosure or misuse of any confidential information or trade secrets of the
Company or the Employer), then Participant shall forfeit any entitlement to such
Award.

         7.4      If there is a "change in control of the Company," as
hereinafter defined, during any Measurement Period, then, notwithstanding any
other provision of this Plan to the contrary, any Participant holding any Award
shall be irrevocably entitled to receive an amount in cash which is equal to (i)
the target award if the change in control occurs during the first measurement
year, or (ii) 150% of the target award if the change in control occurs after
said first year (but no less than the projected payout determined on the
effective date of the change in control if the change in control occurs during
the last three months of the Measurement Period). Such payment will be made
within sixty (60) days following the change in control of the Company.

         7.5      For purposes of this Article VII, a "change in control of the
Company" shall be deemed to have occurred upon the occurrence of any of the
following events:

                  (a)      Voting Stock Accumulations. The accumulation by any
         Person of Beneficial Ownership of twenty percent (20%) or more of the
         combined voting power of the Company's Voting Stock; provided that for
         purposes of this Section 7.5, a Change in Control will not be deemed to
         have occurred if the accumulation of twenty percent (20%) or more of
         the voting power of the Company's Voting Stock results from any
         acquisition of Voting Stock (i) directly from the Company that is
         approved by the Incumbent Board, (ii) by the Company, (iii) by any
         employee benefit plan (or related trust) sponsored or maintained by the
         Company or any Subsidiary, or (iv) by any Person pursuant to a Business
         Combination that complies with all of the provisions of clauses (i),
         (ii) and (iii) of subparagraph 7.5(b); or

                  (b)      Business Combinations. Consummation of a Business
         Combination, unless, immediately following that Business Combination,
         (i) all or substantially all of the Persons who were the beneficial
         owners of Voting Stock of the Company

                                       6
<PAGE>

         immediately prior to that Business Combination beneficially own,
         directly or indirectly, more than sixty-six and two-thirds percent (66
         2/3%) of the then outstanding shares of common stock and the combined
         voting power of the then outstanding voting securities entitled to vote
         generally in the election of Directors of the entity resulting from
         that Business Combination (including, without limitation, an entity
         that as a result of that transaction owns the Company or all or
         substantially all of the Company's assets either directly or through
         one or more subsidiaries) in substantially the same proportions
         relative to each other as their ownership, immediately prior to that
         Business Combination, of the Voting Stock of the Company, (ii) no
         Person (other than the Company, that entity resulting from that
         Business Combination, or any employee benefit plan (or related trust)
         sponsored or maintained by the Company, any Eighty Percent (80%)
         Subsidiary or that entity resulting from that Business Combination)
         beneficially owns, directly or indirectly, twenty percent (20%) or more
         of the then outstanding shares of common stock of the entity resulting
         from that Business Combination or the combined voting power of the then
         outstanding voting securities entitled to vote generally in the
         election of directors of that entity, and (iii) at least a majority of
         the members of the Board of Directors of the entity resulting from that
         Business Combination were members of the Incumbent Board at the time of
         the of the action of the Board of Directors providing for that Business
         Combination; or

                  (c)      Sale of Assets. A sale or other disposition of all or
         substantially all of the assets of the Company; or

                  (d)      Liquidations or Dissolutions. Approval by the
         shareholders of the Company of a complete liquidation or dissolution of
         the Company, except pursuant to a Business Combination that complies
         with all of the provisions of clauses (i), (ii) and (iii) of section
         7.5(b)

         7.6      For purposes of this Article VII, the following definitions
         will apply:

                  (a)      "Beneficial Ownership" means beneficial ownership as
         that term is used in Rule 13d-3 promulgated under the Exchange Act.

                  (b)      "Business Combination" means a reorganization, merger
         or consolidation of the Company.

                  (c)      "Disability" means permanently and totally disabled
         as defined in Code Section 22(e)(3).

                  (d)      "Eighty Percent (80%) Subsidiary" means an entity in
         which the Company directly or indirectly beneficially owns eighty
         percent (80%) or more of the outstanding Voting Stock.

                  (e)      "Exchange Act" means the Securities Exchange Act of
         1934, including amendments, or successor statutes of similar intent.

                  (f)      "Incumbent Board" means a Board of Directors at least
         a majority of whom consist of individuals who either are (a) members of
         the Company's Board of

                                       7
<PAGE>
         Directors as of June 30, 2001, or (b) members who become members of the
         Company's Board of Directors subsequent to such date, whose election,
         or nomination for election by the Company's shareholders, was approved
         by a vote of at least two-thirds (2/3) of the directors then comprising
         the Incumbent Board (either by a specific vote or by approval of the
         proxy statement of the Company in which that person is named as a
         nominee for director, without objection to that nomination), but
         excluding, for that purpose, any individual whose initial assumption of
         office occurs as a result of an actual or threatened election contest
         (within the meaning of Rule 14a-11 of the Exchange Act) with respect to
         the election or removal of directors or other actual or threatened
         solicitation of proxies or consents by or on behalf of a Person other
         than the Board of Directors.

                  (g)      "Person" means any individual, entity or group
         (within the meaning of Section 13(d)(3) or 14 (d)(2) of the Exchange
         Act).

                  (h)      "Voting Stock" means the then outstanding securities
         of an entity entitled to vote generally in the election of members of
         that entity's Board.

                                  ARTICLE VIII
                            Nonalienation of Benefits

Neither the Award nor any other right or benefit under this Plan shall be
subject to anticipation, alienation, sale, assignment, pledge, encumbrance or
charge, and any attempt to anticipate, alienate, sell, assign, pledge, encumber
or charge the same shall be void and shall not be recognized or given effect by
the Company.

                                   ARTICLE IX
                              Certificates of Award

The Company shall execute and deliver to each Participant to whom an Award is
granted a certificate, in the form prescribed by the Committee, evidencing such
Award and stating the date thereof and cash amount that is the subject of the
Award.

                                   ARTICLE X
                  Amendment, Suspension or Termination of Plan

The Board of Directors of the Company may amend, suspend or terminate this Plan
in whole or in part at any time; provided that, except as expressly provided in
this Plan, no such amendment, suspension or termination shall adversely affect
the rights of the holders of any Award then outstanding.

                                       8

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