Document:

Stock Deferral Plan

 
EXHIBIT 10.29

 
EQUIFAX 
DIRECTOR AND EXECUTIVE STOCK DEFERRAL PLAN 
 
Equifax Inc., a Georgia corporation (the “Company”), hereby establishes this Director and Executive Stock Deferral Plan (the
“Plan”), effective January 1, 2003, for the purpose of attracting high quality executives and directors and promoting in its key executives and directors increased efficiency and an interest in the successful operation and performance of
the Company. 
 
ARTICLE 1 
 
Definitions 
 
1.1 Account shall mean the account established for a
particular Participant pursuant to Article 3 of the Plan. 
 
1.2 Administrator shall mean the person or persons appointed by the Board of Directors of the Company to administer the Plan pursuant to Article 11 of the Plan. 
 
1.3 Beneficiary shall mean the person(s) or entity designated as such in accordance with Article 10 of
the Plan. 
 
1.4 Change in Control shall
mean either: 
 
(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 subparagraph (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 (iv) by any Person pursuant to a Business Combination that complies with all of the provisions of clauses
(i), (ii) and (iii) of subparagraph (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 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 execution of the initial agreement or of the action of the Board 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 subparagraph
(b). 
 
(e) Definitions. For purposes of
this paragraph defining Change in Control, the following definitions shall apply: 
 
(i) Beneficial Ownership shall mean beneficial ownership as that term is used in Rule 13d-3 promulgated under the
Exchange Act. 
 
(ii) Business
Combination shall mean a reorganization, merger or consolidation of the Company. 
 
(iii) Eighty Percent (80%) Subsidiary shall mean an entity in which the Company directly or indirectly
beneficially owns eighty percent (80%) or more of the outstanding Voting Stock. 
 
(iv) Exchange Act shall mean the Securities Exchange Act of 1934, including amendments, or successor statutes of
similar intent. 
 
(v)
Incumbent Board shall mean 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 the effective date of this Plan or (b) members who become members of
the Company’s Board of Directors subsequent to the effective date of this Plan 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. 
 
 

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(vi) Person shall mean any individual, entity or group (within the meaning of Section 13(d)(3) or 14 (d)(2) of the Exchange Act). 
 
(vii) Voting Stock shall mean the then outstanding securities of an entity entitled to vote generally in the
election of members of that entity’s Board of Directors. 
 
1.5 Company shall mean Equifax Inc. 
 
1.6 Common Stock shall mean the common voting stock of the Company. 
 
1.7 Deferred Stock or Shares shall mean Common Stock, the receipt of which the Participant has agreed to delay pursuant to Article 2 of this Plan. 
 
1.8 Disability shall be defined as eligibility to
receive benefits under the Company’s Long Term Disability Plan as in effect at the time of such Disability. If no such plan is then in effect, a physical or mental condition which prevents the Participant from performing the normal duties of
his or her current position for a period of at least one hundred eighty (180) consecutive days. 
 
1.9 Eligible Executive shall mean a Level 2-9 U.S. Employee of the Company, a former employee who was a Level 2-9 U.S. Employee of the Company on the date of the Employee’s
Termination of Employment and who satisfied the requirements for Retirement on such date, a member of the Board of Directors of the Company or such other management or highly compensated employee or independent contractor as may be designated by the
Administrator to be eligible to participate in the Plan. 
 
1.10 ERISA shall mean the Employee Retirement Income Security Act of 1974, as amended. 
 
1.11 Exchange Date shall mean the date an exercise and exchange of Stock Options for Common Stock and Deferred Stock
is deemed to occur under Article 2. 
 
1.12 Fair
Market Value shall mean the closing price of the Common Stock, except with respect to determining the dollar amount of gain on Stock Options, where the meaning given to such term under the applicable Stock Incentive Plan applies. 
 
1.13 Financial Hardship shall mean an unexpected need
for cash arising from illness, casualty loss, sudden financial reversal, or other such unforeseeable occurrence which is not covered by insurance and which is determined to qualify as a Financial Hardship by the Administrator. Cash needs arising
from foreseeable events such as the purchase of a residence or education expenses for children shall not, alone, be considered a Financial Hardship. 
 
1.14 Participant shall mean an Eligible Executive who has elected to participate and has completed a Participant Election Form
pursuant to Article 2 of the Plan. 
 
1.15
Participant Election Form shall mean the written agreement submitted by the Participant to the Administrator on a timely basis pursuant to Article 2 of the Plan. The Participant Election Form may take the form of an electronic communication
followed by appropriate written confirmation according to specifications established by the Administrator. 
 

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1.16 Plan
Year shall mean the calendar year. 
 
1.17
Restricted Stock shall mean shares of restricted stock of the Company granted to the Participant pursuant to the Stock Incentive Plan. 
 
1.18 Retirement shall mean Termination of Employment on or after the Retirement Eligibility Date except that with respect to a
Participant who is a non-employee director, Retirement shall mean termination of service as a member of the Board of Directors of the Company. 
 
1.19 Retirement Eligibility Date shall mean the earlier of (a) the date on which the Participant attains age sixty-five
(65), (b) the date on which the Participant has both attained age fifty-five (55) and completed at least five (5) Years of Service, or (c) the date on which the Participant has both attained age fifty (50) and the Participant’s combined years
of age and Years of Service total at least seventy-five (75). 
 
1.20 Scheduled Withdrawal shall mean the distribution elected by the Participant pursuant to Article 6 of the Plan. 
 
1.21 Settlement Date shall mean the date by which a lump sum payment shall be made or the date by which installment payments shall
commence. Unless otherwise specified, the Settlement Date shall be in the month following the month in which the event triggering the payout occurs. In the case of death, the event triggering payout shall be deemed to occur upon the date the
Administrator is provided with the documentation reasonably necessary to establish the fact of the Participant’s death. 
 
1.22 Stock Options shall mean options on shares of Company stock granted to the Participant pursuant to the Stock Incentive Plan.

 
1.23 Stock Incentive Plan
shall mean the Equifax Inc. 2001 Nonqualified Stock Incentive Plan, the Equifax Inc. 2000 Stock Incentive Plan, the Equifax Inc. 1995 Employees Stock Incentive Plan, the Equifax Inc. 1992 Employees Stock Incentive Plan, Equifax Inc. Non-Employee
Director Stock Option Plan and the Equifax Inc. 1990 Omnibus Stock Incentive Plan, each as in effect January 1, 2003 and as amended hereafter, or such other stock option plan or plans sponsored by the Company as may be designated by the
Administrator. 
 
1.24 Termination of
Employment shall mean the date of the cessation of the Participant’s employment and service with the Company for any reason whatsoever, whether voluntary or involuntary, including as a result of the Participant’s Retirement, Disability
or death. 
 
1.25 Unscheduled Withdrawal
shall mean a distribution elected by the Participant pursuant to Article 8 of the Plan. 
 
1.26 Valuation Date shall mean the date the Participant’s Account is valued and shall be the last day of the month preceding the month in which the payout or other event triggering the
Valuation occurs. 
 
1.27 Vesting Date shall
mean the date on which the Stock Options or Restricted Stock first become fully vested and are no longer subject to a substantial risk of forfeiture under the terms of the Stock Incentive Plan, as determined by the Administrator. 
 

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1.28
Withdrawal Penalty shall mean the ten percent (10%) penalty deducted from an Account as a result of an Unscheduled Withdrawal or a change in the form of payout within thirteen (13) months prior to Termination of Employment as provided in
Article 4 of the Plan. 
 
1.29 Years of
Service shall mean the cumulative consecutive years of continuous full-time employment with the Company, beginning on the date the Participant first began service with the Company, and counting each anniversary thereof. 
 
ARTICLE 2 
 
Participation 
 
2.1 Deferral of Restricted Stock. An Eligible Executive
may make an election at least six (6) months prior to the Vesting Date to delay receipt of Restricted Stock granted under the Stock Incentive Plan and receive rights to Deferred Stock, if the Participant has not previously elected to take the
Restricted Stock into income under Section 83(b) of the Internal Revenue Code. By making an election to delay receipt of Restricted Stock, the Eligible Executive is irrevocably agreeing to delay receipt of the stock certificates for the Deferred
Stock, to forfeit any dividends that may become payable on the Deferred Stock after the Vesting Date and prior to the date the Deferred Stock is delivered to the Participant and to stand in the position of an unsecured general creditor with respect
to any right to receipt of the Deferred Stock under this Plan. 
 
2.2 Exercise and Deferral of Stock Options. An Eligible Executive may make an election before or after the Vesting Date but at least six (6) months prior to the Exchange Date to exercise Stock Options granted under the Stock
Incentive Plan by tendering Common Stock in payment of the exercise price and to delay receipt of the portion of the Common Stock payable to the Participant in excess of the tendered Common Stock as a result of the gain on the Stock Options. The
number of shares of Deferred Stock received by the Participant upon exercise of the Stock Options shall be equal (rounded to the closest tenth of a share) in value to the difference between the Fair Market Value of the Company’s Common Stock on
the Exchange Date and the option price which is notionally tendered by the Participant in the form of Common Stock on the exercise of the Stock Options. The Participant need not actually transfer Common Stock equal to the exercise price to the
Company but may simply attest to ownership of such Common Stock. By making such an election to defer receipt of the Common Stock representing the option gain, the Eligible Executive is agreeing to delay receipt of the stock certificates for the
Deferred Stock, to forfeit any dividends that may become payable on the Deferred Stock after the Exercise Date and prior to the date the Deferred Stock is delivered to the Participant and to stand in the position of an unsecured general creditor
with respect to any right to receipt of the Deferred Stock under this Plan. 
 
2.3 Participant Election Form. In order to make an election, an Eligible Executive must submit a Participant Election Form to the Administrator at least six (6) months prior to the Vesting Date
applicable to Restricted Stock being deferred or the Exchange Date applicable to Stock Options being deferred. The requirements regarding the form and timing of such election shall be interpreted and applied by the Administrator in its complete and
sole discretion. The Administrator may change the timing of such election, limit the number or type of shares available to be deferred by any Participant or group of Participants, or cancel an election for any reason. 
 

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2.4
Election Irrevocable Except on Change in Control. The election to defer Stock Options or Restricted Stock under this Plan shall be irrevocable except in the event of the Participant’s Termination of Employment or a Change in Control
prior to the Vesting Date for Restricted Stock or prior to the Exchange Date for Stock Options. An election to defer shall be automatically canceled in the event of Termination of Employment prior to the Vesting Date for Restricted Stock or prior to
the Exchange Date for Stock Options but shall not be cancelled with respect to Stock Options in the event of Termination of Employment after the Vesting Date but prior to the Exchange Date. A Participant may revoke an election prior to the Vesting
Date for Restricted Stock or prior to the Exchange Date for Stock Options if such election is made within ninety (90) days following the Change in Control. Notwithstanding the foregoing, the Company may still postpone the delivery of Restricted
Stock or the exercise and/or delivery of Stock Options for such reasonable period as may be required to comply with all applicable securities laws, rules and regulations. If the Participant elects to discontinue deferrals under the Plan, the
Participant shall forfeit the right to make deferrals for the balance of the Plan Year in which such election occurs and for the entire next following Plan Year. 
 
ARTICLE 3 
 
Rights Associated With Deferred Shares 
 
3.1 Participant Account. Solely for recordkeeping purposes, an Account shall be maintained for each Participant and shall be
credited with the Participant’s Deferred Shares on the date determined in accordance with Article 2. 
 
3.2 No Dividend or Voting Rights. A Participant shall have no right to dividends and no voting rights, and, except as expressly
provided in the Plan, shall have no other rights against the Company by reason of the crediting of the Deferred Shares. 
 
3.3 Deferred Stock Not Transferable. Except as provided in Article 5 upon the Participant’s death, Deferred Shares (including
any and all benefits provided under this Plan) shall not be subject to sale, alienation, assignment, transfer, pledge or hypothecation by the Participant or any Beneficiary and any attempt to sell, alienate, assign, transfer, pledge or hypothecate
Deferred Shares shall be null and void. Deferred Shares shall be exempt from the claims of creditors or other claimants of the Participant or Beneficiary and from all orders, decrees, levies, garnishment or executions to the fullest extent allowed
by law. 
 
3.4 Share Adjustments. Nothing
contained in this Plan nor any action taken hereunder shall be construed as limiting the rights of the Company to credit additional Deferred Stock or issue additional Common Stock even though such issuances may dilute the value of outstanding
Deferred Stock. If the outstanding shares of Common Stock of the Company are increased, decreased, changed into or exchanged for a different number or kind of shares of the Company through reorganization, recapitalization, reclassification, stock
dividend, stock split or reverse stock split, upon authorization of the Board of Directors of the Company, a proportionate adjustment shall be made in the number or kind of Deferred Shares which may be purchased or issued in the aggregate and to
individual Participants under the Plan; provided, however, that (except with respect to a stock split or reverse stock split) no such adjustment need be made if upon the advice of counsel, the Administrator determines that such adjustment may result
in the receipt of federally taxable income to Participants hereunder or to the holders of Common Stock or other classes of the Company’s securities. In all cases, the nature and 
 

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extent of adjustments under this Section shall be determined by the Administrator in its sole discretion,
and any such determination as to what adjustments shall be made, and the extent thereof, shall be final and binding. No fractional shares of stock shall be issued under the Plan pursuant to any such adjustment. All adjustments and actions described
in this Section shall be subject to compliance with the requirements of all applicable securities laws, rules, and regulations. 
 
3.5 Statement of Accounts. The Administrator shall provide each Participant with statements at least quarterly setting forth the
number of Deferred Shares in the Participant’s Account at the end of each quarter. 
 
ARTICLE 4 
 
Retirement Benefits 
 
4.1
Retirement Benefits. In the event of the Participant’s Retirement or Disability, the Participant shall be entitled to receive a distribution of shares of Common Stock of the Company equal to number of Deferred Shares credited to the
Participant’s Account as of the Valuation Date. The distribution shall be in a single lump sum unless the Participant makes a timely election prior to Retirement to divide the Deferred Shared into equal annual installments distributed over a
specified period of not more than fifteen (15) years. Payments shall begin on the Settlement Date following Termination of Employment. An election to change the form of payout may be made at any time prior to Termination of Employment by submitting
to the Administrator the form provided for such purpose, but elections shall not be effective unless made no less than thirteen (13) calendar months prior to Termination of Employment. Notwithstanding the foregoing, the Participant may elect to have
the new election take effect less than thirteen (13) months prior to Termination of Employment, subject to a Withdrawal Penalty of ten percent (10%) of the value of the pre-election Account balance forfeited to the Company. 
 
If an Eligible Employee who is a retiree makes a deferral
pursuant to Article 2, the Deferred Stock shall be credited to the Participant’s Account and distributed in the same manner as the remainder of the Participant’s Account in accordance with the Participant’s benefit election pursuant
to this Section 4.1. If such a Participant does not have a benefit election in effect at the time the Participant elects to make a deferral, the Participant shall complete a Distribution Election Form at the time of deferral, provided that the
distribution of the Account to such Participant shall not commence until the date at least two (2) years after the Exchange Date. An Eligible Employee who is a retiree and makes a deferral pursuant to Article 2 shall not be permitted to elect a
Scheduled Withdrawal with respect to such deferral, but shall be permitted to make an Unscheduled Withdrawal or Financial Hardship Distribution with respect to such deferral. 
 
4.2 Termination Benefit. Upon Termination of Employment other than by reason of Retirement, Disability
or death, the Participant shall be entitled to receive a distribution of shares of Common Stock of the Company equal to number of Deferred Shares credited to the Participant’s Account as of the Valuation Date. The distribution shall be in a
single lump sum on the Settlement Date following Termination of Employment. However, the Company may, in its sole discretion, elect to divide the Deferred Shares into equal annual installments distributed over a period of three (3) years beginning
on the Settlement Date following Termination of Employment. 
 

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ARTICLE 5

 
Death Benefits 
 
5.1 Survivor Benefit Before Benefits Commence. If the
Participant dies prior to commencement of benefits under Article 4, the Participant’s Beneficiary shall be entitled to receive a distribution of shares of Common Stock of the Company equal to number of Deferred Shares credited to the
Participant’s Account as of the Valuation Date. The death benefit shall be paid in the same form elected by the Participant for Retirement benefits under Article 4.1 (without regard to the thirteen (13) month waiting period) beginning on the
Settlement Date following the date the Participant’s death is established by reasonable documentation. However, the Administrator may, in its complete and sole discretion, change the form of distribution of the death benefit prior to the
Settlement Date upon which benefits are scheduled to commence. 
 
5.2 Survivor Benefit After Benefits Commence. If the Participant dies after benefits have commenced under Article 4, the Company shall pay to the Participant’s Beneficiary the remaining Deferred Shares payable to the
Participant under the Plan over the same period such amounts would have been paid to the Participant. However, the Administrator may, in its complete and sole discretion, change the form of distribution of the death benefit prior to the Settlement
Date on which the benefits are scheduled to commence. 
 
ARTICLE 6 
 
Scheduled
Withdrawal 
 
6.1 Election. The
Participant may make an election on the Participant Election Form at the time of making a deferral to take a Scheduled Withdrawal of Deferred Stock from the Account established by the Participant for such purpose. The Participant may elect to
receive the Scheduled Withdrawal in any Plan Year on or after the third Plan Year following the enrollment period in which such Scheduled Withdrawal is elected and may elect to have the Scheduled Withdrawal distributed in a single lump sum or to
divide the Deferred Shares into equal annual installments distributed over a period of up to five (5) years. The Participant may elect to make additional deferrals into such Scheduled Withdrawal Account in subsequent Participant Election Forms but
may not elect another Scheduled Withdrawal date for such Account until all of the Deferred Stock in the original Scheduled Withdrawal Account has been distributed. The Participant may establish up to two (2) separate Scheduled Withdrawal Accounts
with different Scheduled Withdrawal dates but shall not establish a third such Account until all of the Deferred Stock in one of the first two Scheduled Withdrawal Accounts has been paid out. The Scheduled Withdrawal date and form of payout elected
for a Scheduled Withdrawal Account shall be irrevocable, except that a Participant may petition to the Administrator once no less than thirteen (13) months prior to the date originally elected for the Scheduled Withdrawal to defer (but not
accelerate) the Scheduled Withdrawal date and/or to change the form of payout of the Scheduled Withdrawal to an alternative payout period then available for Scheduled Withdrawals under the Plan. 
 
6.2 Timing of Scheduled Withdrawal. The Scheduled
Withdrawal payment shall be paid by the Company to the Participant no later than the last day of January of the Plan Year elected by the Participant in the Participant Election Form unless preceded by Termination of Employment. In the event of
Termination of Employment prior to complete payment of the Scheduled Withdrawal, the 
 

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Scheduled Withdrawal (or the
remaining balance thereof) shall be paid in the form provided in Article 4 of the Plan. In the event such Termination of Employment is as a result of the Participant’s death prior to complete payment of the Scheduled Withdrawal, the Scheduled
Withdrawal shall be paid as provided in Section 5.1 of the Plan. 
 
ARTICLE 7 
 
Unscheduled
Withdrawal 
 
7.1 Election. A
Participant (or, after the Participant’s death, a Beneficiary) may take an Unscheduled Withdrawal from an Account at any time. The Unscheduled Withdrawal shall be paid no later than the last day of the month following the month in which the
Unscheduled Withdrawal is requested. After an Unscheduled Withdrawal, a Participant’s deferrals shall cease and the Participant shall not be allowed to make a new deferral election until the enrollment period next following one full calendar
year from the date of the Unscheduled Withdrawal. Only one Unscheduled Withdrawal shall be permitted in each Plan Year. 
 
7.2 Withdrawal Penalty. There shall be a Withdrawal Penalty deducted from the Account prior to an Unscheduled Withdrawal from such
Account equal to ten percent (10%) of the Unscheduled Withdrawal. 
 
7.3 Minimum Withdrawal. The minimum Unscheduled Withdrawal shall be twenty-five percent (25%) of the balance of the specified Account rounded to the nearest whole share. 
 
ARTICLE 8 
 
Financial Hardship Distribution 
 
8.1 Financial Hardship Distribution. Upon a finding
that the Participant (or, after the Participant’s death, a Beneficiary) has suffered a Financial Hardship, the Administrator may in its sole discretion, accelerate distributions of benefits or approve reduction or cessation of current deferrals
under the Plan in the amount reasonably necessary to alleviate such Financial Hardship. In the event of a distribution from the Plan based on Financial Hardship, a Participant’s deferrals shall cease and the Participant shall not be allowed to
make a new deferral election until the enrollment period next following one full calendar year from the date of such distribution. 
 
ARTICLE 9 
 
Amendment and Termination of Plan 
 
9.1 Amendment or Termination of Plan. The Company may, at any time, direct the Administrator to amend or terminate the Plan, except
that no such amendment or termination may reduce the number or value of a Participant’s Deferred Shares. If the Company terminates the Plan, the date of such termination shall be treated as a Termination of Employment of each Participant for
the purpose of calculating Plan benefits, and the Company shall pay to each Participant the benefits such Participant would be entitled to receive under Article 4 of the Plan, except that such termination benefits shall be paid in a single lump sum
payable on the last day of the month following the month in which termination of the Plan occurs unless the Administrator, in its complete and sole discretion determines to 
 

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pay such amounts over a longer
period not to exceed the period over which such amounts would otherwise have been paid had the Plan not been terminated. 
 
ARTICLE 10 
 
Beneficiaries 
 
10.1 Beneficiary Designation. The Participant shall have the right, at any time, to designate any person or persons as Beneficiary
(both primary and contingent) to whom payment under the Plan shall be made in the event of the Participant’s death. The designation by a married Participant of a primary Beneficiary other than the Participant’s spouse shall require consent
of such spouse. The Beneficiary designation shall be effective when it is submitted in writing to and acknowledged by the Administrator during the Participant’s lifetime on a form prescribed by the Administrator. 
 
10.2 Revision of Designation. The submission of a new
Beneficiary designation shall cancel all prior Beneficiary designations. Any marriage (other than a common law marriage) or finalized divorce of a Participant subsequent to the date of a Beneficiary designation shall revoke such designation, unless
in the case of divorce the previous spouse was not designated as a Beneficiary and unless in the case of marriage the Participant’s new spouse has previously been designated as the sole primary Beneficiary. 
 
10.3 Successor Beneficiary. If the primary Beneficiary
dies prior to complete distribution of the benefits provided in Article 5, the remaining Account balance shall be paid to the contingent Beneficiary elected by the Participant in the form of a lump sum payable no later than the last day of the month
following the month in which the last remaining primary Beneficiary’s death is established. 
 
10.4 Absence of Valid Designation. If a Participant fails to designate a Beneficiary as provided above, or if the Beneficiary designation is revoked by marriage, divorce, or otherwise without
execution of a new designation, or if every person designated as Beneficiary predeceases the Participant or dies prior to complete distribution of the Participant’s benefits, then the Administrator shall direct the distribution of such benefits
to the Participant’s spouse, if the Participant was married on the date of death, or, if the Participant was not married on death, to the Participant’s estate. 
 
ARTICLE 11 
 
Administration/Claims Procedures 
 
11.1 Administration. The Plan shall be administered by the Administrator, which shall have the exclusive right and full discretion
(i) to interpret the Plan, (ii) to decide any and all matters arising hereunder (including the right to remedy possible ambiguities, inconsistencies, or admissions), (iii) to make, amend and rescind such rules as it deems necessary for the proper
administration of the Plan and (iv) to make all other determinations necessary or advisable for the administration of the Plan, including determinations regarding eligibility for benefits payable under the Plan. All interpretations of the
Administrator with respect to any matter hereunder shall be final, conclusive and binding on all persons affected thereby. No member of the Administrator shall be liable for any determination, decision, or action made in good faith with respect to
the Plan. The Company will indemnify and hold harmless the members of the Administrator from and against any and all liabilities, costs, and expenses incurred by 
 

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such persons as a result of
any act, or omission, in connection with the performance of such persons’ duties, responsibilities, and obligations under the Plan, other than such liabilities, costs, and expenses as may result from the bad faith, willful misconduct, or
criminal acts of such persons. 
 
11.2 Claims
Procedure. Any Participant, former Participant or Beneficiary may file a written claim with the Administrator setting forth the nature of the benefit claimed, the amount thereof, and the basis for claiming entitlement to such benefit. The
Administrator shall determine the validity of the claim and communicate a decision to the claimant promptly and, in any event, not later than ninety (90) days after the date of the claim. The claim may be deemed by the claimant to have been denied
for purposes of further review described below in the event a decision is not furnished to the claimant within such ninety (90) day period. If additional information is necessary to make a determination on a claim, the claimant shall be advised of
the need for such additional information within forty-five (45) days after the date of the claim. The claimant shall have up to one hundred and eighty (180) days to supplement the claim information, and the claimant shall be advised of the decision
on the claim within forty-five (45) days after the earlier of the date the supplemental information is supplied or the end of the one hundred and eighty (180) day period. Every claim for benefits which is denied shall be denied by written notice
setting forth in a manner calculated to be understood by the claimant (i) the specific reason or reasons for the denial, (ii) specific reference to any provisions of the Plan (including any internal rules, guidelines, protocols, criteria, etc.) on
which the denial is based, (iii) description of any additional material or information that is necessary to process the claim, and (iv) an explanation of the procedure for further reviewing the denial of the claim. 
 
11.3 Review Procedures. Within sixty (60) days after
the receipt of a denial on a claim, a claimant or his/her authorized representative may file a written request for review of such denial. Such review shall be undertaken by the Administrator and shall be a full and fair review. The claimant shall
have the right to review all pertinent documents. The Administrator shall issue a decision not later than sixty (60) days after receipt of a request for review from a claimant unless special circumstances, such as the need to hold a hearing, require
a longer period of time, in which case a decision shall be rendered as soon as possible but not later than one hundred and twenty (120) days after receipt of the claimant’s request for review. The decision on review shall be in writing and
shall include specific reasons for the decision written in a manner calculated to be understood by the claimant with specific reference to any provisions of the Plan on which the decision is based and shall include an explanation the claimants right
to pursue a legal action in the event the claim is denied. 
 
ARTICLE 12 
 
Conditions
Related to Benefits 
 
12.1
Nonassignability. The rights and benefits provided under the Plan shall not be subject to sale, alienation, assignment, transfer, pledge or hypothecation by the Participant or any Beneficiary and any attempt to sell, alienate, assign,
transfer, pledge or hypothecate an Account balance or Plan benefits shall be null and void. The Deferred Shares and Plan benefits shall be exempt from the claims of creditors or other claimants of the Participant or Beneficiary and from all orders,
decrees, levies, garnishment or executions to the fullest extent allowed by law. 
 
12.2 No Right to Company Assets. The Deferred Shares paid under the Plan shall be paid from treasury shares of the Company, shares acquired at the time of distribution by the Company for

 

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such purposes or shares held
in a trust maintained by the Company, and the Participant and any Beneficiary shall be no more than an unsecured general creditor of the Company with no special or prior right to any assets or shares of the Company for payment of any obligations
hereunder. At its discretion, the Company may establish one or more grantor trusts for the purpose of providing for payment of benefits under the Plan. Such trust or trusts may be irrevocable, but the assets thereof shall be subject to the claims of
the Company’s creditors. Benefits paid to the Participant from any such trust or trusts shall be considered paid by the Company for purposes of meeting the obligations of the Company under the Plan. 
 
12.3 Securities Law Compliance. Notwithstanding
anything contained herein, the Company shall not be obligated to honor any election or make any distribution under this Plan or to sell, issue or effect any transfer of any Common Stock unless such distribution, sale, issuance or transfer is at such
time effectively (i) registered or exempt from registration under the Securities Act of 1933, as amended (the “Act”) and (ii) qualified or exempt from qualification under the applicable state securities laws. As a condition to make any
election or receive any distribution under this Plan, the Participant or other payee shall make such representations as may be deemed appropriate by counsel to the Company for the Company to use any available exemption from registration under the
Act or qualification under any applicable state securities law. 
 
12.4 Withholding. The Participant shall make appropriate arrangements with the Company for satisfaction of any federal, state or local income tax withholding requirements and Social Security or other employee tax requirements
applicable to the deferral and distribution of shares under the Plan. If no other arrangements are made, the Company may provide, at its discretion, for such withholding and tax payments as may be required, including, without limitation, by the
reduction of other amounts payable to the Participant. 
 
12.5 Assumptions and Methodology. To the extent required, the Administrator shall establish the assumptions and method of calculation used in determining the value of Common Stock, benefits, payments, fees, expenses or any
other amounts required to be calculated under the terms of the Plan. The Administrator shall also establish reasonable procedures regarding the form and timing of installment payments. Unless otherwise specified by the Administrator, installment
payments shall be calculated by equally dividing the number of Deferred Shares in the Participant’s Account by the number of installment payments elected and rounding down to the nearest whole share until the final installment which shall
include the full balance remaining in the Participant’s Account. 
 
ARTICLE 13 
 
Miscellaneous 
 
13.1
Successors of the Company. The rights and obligations of the Company under the Plan shall inure to the benefit of, and shall be binding upon, the successors and assigns of the Company. 
 
13.2 Employment/Service Not Guaranteed. Nothing
contained in the Plan nor any action taken hereunder shall be construed as a contract of employment or for services or as giving any Participant any right to continued employment with or performance of services for the Company, nor as a limitation
on the right of the Company to terminate the employment or services of any Participant at any time. 
 

12 

 
13.3
Gender, Singular and Plural. All pronouns and any variations thereof shall be deemed to refer to the masculine, feminine, or neuter, as the identity of the person or persons may require. As the context may require, the singular may be read as
the plural and the plural as the singular. 
 
13.4
Captions. The captions of the articles, paragraphs and sections of the Plan are for convenience only and shall not control or affect the meaning or construction of any of its provisions. 
 
13.5 Validity. In the event any provision of the Plan
is held invalid, void or unenforceable, the same shall not affect, in any respect whatsoever, the validity of any other provisions of the Plan. 
 
13.6 Waiver of Breach. The waiver by the Company of any breach of any provision of the Plan shall not operate or be construed as a
waiver of any subsequent breach by that Participant or any other Participant. 
 
13.7 Notice. Any notice or filing required or permitted to be given to the Company or the Participant under this Agreement shall be sufficient if in writing and hand-delivered, or sent by
registered or certified mail, in the case of the Company, to the principal office of the Company, directed to the attention of the Administrator, and in the case of the Participant, to the last known address of the Participant indicated on the
employment records of the Company. Such notice shall be deemed given as of the date of delivery or, if delivery is made by mail, as of the date shown on the postmark on the receipt for registration or certification. Notices to the Company may be
permitted by electronic communication according to specifications established by the Administrator. 
 
13.8 Errors in Benefit Statement or Distributions. In the event an error is made in a benefit statement, such error shall be
corrected as soon as practical following the date such error is discovered. In the event of an error in a distribution, the Participant’s Account shall, as soon as practical after the discovery of such error, be adjusted to reflect such under
or over payment and, if possible, the next distribution shall be adjusted upward or downward to correct such prior error. If the remaining balance of a Participant’s Account is insufficient to cover an erroneous overpayment, the Company may, at
its discretion, offset other amounts payable to the Participant from the Company (including but not limited to salary, bonuses, expense reimbursements, severance benefits or other compensation or benefit arrangements, to the extent allowed by law)
to recoup the amount of such overpayment(s). 
 
13.9 ERISA Plan. The Plan is intended to be an unfunded plan maintained primarily to provide deferred compensation benefits for a select group of “management or highly compensated employees” within the meaning of
Sections 201, 301 and 401 of ERISA and therefore to be exempt from Parts 2, 3 and 4 of Title I of ERISA. 
 
13.10 Applicable Law. The Plan shall be governed by ERISA and, in the event any provision of, or legal issue relating to, this Plan
is not fully preempted by ERISA, such issue or provision shall be governed by the laws of the State of Georgia (without regard to conflict of law provisions). 
 
IN WITNESS WHEREOF, the Company has caused this Plan to be executed this 17th day of December, 2002. 
 
 

13 

 

	 EQUIFAX INC.

	
	 	 	 
	
	 By        
	 	 /S/  KAREN H.
GASTON

	
	 Its    
	 	 Chief Administrative Officer

 
 
 

14Grantor Trust

 
EXHIBIT 10.30

 
EQUIFAX 
GRANTOR TRUST 
 
This Trust Agreement made effective as of January 1, 2003 by and between Equifax Inc., a Georgia corporation (the “Company”),
and Wachovia Bank, N.A. (the “Trustee”); 
 
WHEREAS, the Company has entered into the plan or plans designated in Exhibit A hereto (referred to together herein as the “Plan”) pursuant to which the Company has agreed to provide participants in the Plan (the
“Participants”) with certain supplemental deferred compensation and phantom stock benefits; 
 
WHEREAS, the Company has incurred or expects to incur liability under the terms of such Plan with respect to the individuals participating
in such Plan; 
 
WHEREAS, the Company wishes to
establish a trust (the “Trust”) and to contribute to the Trust assets that shall be held therein, subject to the claims of the Company’s creditors in the event of the Company’s Insolvency (as defined in Article 14 of the Trust
Agreement) until paid to Plan Participants and their beneficiaries in such manner and at such times as specified in the Plan; 
 
WHEREAS, it is the intention of the parties that this Trust shall constitute an unfunded arrangement and shall not affect the status of
the Plan as an unfunded plan maintained for the purpose of providing deferred compensation for a select group of management or highly compensated employees for purposes of Title I of the Employee Retirement Income Security Act of 1974; 
 
WHEREAS, it is the intention of the Company to make
contributions to the Trust to provide itself with a source of funds to assist it in the meeting of its liabilities under the Plan; 
 
NOW, THEREFORE, the parties do hereby establish the Trust and agree that the Trust shall be comprised, held and disposed of as follows:

 
ARTICLE 1 
 
Establishment of Trust 
 
1.1 Normal Contributions. The Company hereby deposits
with the Trustee in trust one dollar, which shall become the principal of the Trust to be held, administered and disposed of by the Trustee as provided in this Trust Agreement. The Company, in its sole discretion, may at any time, or from time to
time, make additional deposits of cash or other property in Trust with the Trustee to augment the principal to be held, administered and deposited by the Trustee as provided in this Trust Agreement. Neither the Trustee nor any Plan Participant or
beneficiary shall have any right to compel such additional contributions prior to a Change in Control. 
 
1.2 Contributions Upon Change in Control. Upon a Change in Control, the Company shall make a contribution to the Trust (allocated
to each applicable subtrust), as soon as possible but in no event later that the fifteenth (15th) day after the
occurrence of the Change in Control, equal to the following: 
 

 
(a) one hundred and ten percent (110%) of the present value of all vested and unvested accrued benefits payable to Participants or beneficiaries under the Plan calculated according to the Assumptions and Methodology described in
Exhibit B; plus 
 
(b) the present
value of all reasonably anticipated fees and expenses (including reasonably anticipated legal expenses) of the Trust for the twenty-four (24) month period immediately following the Change in Control, which shall be presumed to be at least five
percent (5%) of the amount in paragraph (a) unless the Trustee determines that a greater number is appropriate; less 
 
(c) the current fair market value of all the assets held in the Trust immediately before such contribution. 
 
If the Company fails to deposit the amount required by this Section 1.2 within
the required time period, the Trustee shall commence legal action to compel the Company to pay such amounts to the Trust. The Company shall be obligated to contribute an additional amount to the Trust, reasonably calculated to cover the costs and
expenses (including reasonable attorneys’ fees) of such legal action, within ten (10) days of commencement of such action. As provided in Article 5, the Trustee shall have the power and authority to hire legal counsel to pursue such action
against the Company and the costs of such legal counsel shall be paid from the Trust until reimbursed by the Company. 
 
1.3 Irrevocability. The Trust hereby established shall be irrevocable and, except as provided in Section 2.2 and Article 4, all
contributions made to the Trust shall be irrevocable regardless of whether such contributions are voluntary or required by the Trust Agreement. 
 
1.4 Grantor Trust. The Trust is intended to be a grantor trust, of which the Company is the grantor, within the meaning of Subpart
E, Part I, Subchapter J, Chapter 1, Subtitle A of the Internal Revenue Code of 1986, as amended, and shall be construed accordingly. The Company shall be responsible for reporting and paying any and all Federal, state and local income taxes that may
become due as a result of any earnings or realized gain on any Trust assets. The principal of the Trust, and any earnings thereon, shall be held separate and apart from other funds of the Company and shall be used exclusively for the uses and
purposes of Plan Participants and general creditors as herein set forth. Plan Participants and their beneficiaries shall have no preferred claim on, or any beneficial ownership interest in, any assets of the Trust. Any rights created under the Plan
and this Trust Agreement shall be mere unsecured contractual rights of Plan Participants and their beneficiaries against the Company. Any assets held by the Trust will be subject to the claims of the Company’s general creditors under federal
and state law in the event of Insolvency, as defined in Section 3.1 herein. 
 
1.5 Establishment of Subtrusts. The Trustee shall establish two separate segregated subtrusts: one for the deferred compensation Plans and one for the phantom stock Plans as directed in Exhibit
A hereto. The Company may also direct the Trustee in writing to establish separate subtrusts for other Plans or groups of Participants covered by the Trust. At the discretion of the Company, such additional subtrusts may reflect a segregation of
particular assets or may reflect an undivided interest in the assets of the Trust, not requiring any segregation of assets. Upon a Change in Control, the Trustee shall also establish separate subtrusts for all then-existing Participants in the Plans
(or, at the written direction of either the Company or 
 

2 

 
the Participant Committee, for
each Participant in the Plan who is covered by the Trust). The subtrust established for all then-existing Participants upon Change in Control shall require segregation of particular assets. However, individual subtrusts established for each
Participant may reflect an undivided interest in the assets of the subtrust for all then-existing Participants and shall not require segregation of particular assets among particular individual subtrusts. Whenever separate subtrusts are established,
the then-existing assets of the Trust or affected portion thereof shall be allocated in proportion to the vested accrued benefits, and then, if any assets remain, the unvested (if any) accrued benefits of the Participants affected thereby, in both
instances as of the end of the month immediately preceding such allocation. With respect to any new contributions to the Trust by the Company after separate subtrusts have been established, the Company shall designate the subtrust for which such
contributions are made. Except as provided in Section 4.1 herein, after separate subtrusts are established, assets allocated to one subtrust may not be utilized to provide benefits under any other subtrust until all benefits payable under such
subtrust have been paid in full. Payments to general creditors in the event of the Company becoming Insolvent shall be charged against the subtrusts in proportion to their account balances, except that payment of benefits to a Participant as a
general creditor shall be charged against the subtrust for that Participant. 
 
ARTICLE 2 
 
Payments to Plan Participants 
and Their Beneficiaries 
 
2.1 Payment Schedule Provided by the Company. Prior to
a Change in Control, the Company shall direct the Trustee with respect to the amount and timing of any payment to be made to a Plan Participant. After a Change in Control, the Trustee shall make payments to the Plan Participants and their
beneficiaries in accordance with a schedule prepared by the Company and approved by a Participant Committee (the “Payment Schedule”). The Payment Schedule shall be prepared by the Company and delivered to the Trustee upon a Change in
Control. The Payment Schedule shall be in a form acceptable to Trustee and the Participant Committee and shall indicate the amounts payable on behalf of each Plan Participant (and his or her beneficiaries), shall provide a formula or other
instructions acceptable to the Trustee for determining the amounts so payable, the form in which such amount is to be paid (as provided for or available under the Plan), and the time of commencement for payment of such amounts. Any subsequent change
in the Payment Schedule shall be approved by a Participant Committee. 
 
2.2 Direct Payment by the Company. The Company may make payments of benefits directly to Plan Participants or their beneficiaries as they become due under the terms of the Plan and may obtain reimbursement for such
benefit payments from the Trust (or offset required contributions to the Trust) within twelve (12) months following the date such payments are made. In addition, if the principal of the Trust, and any earnings thereon, are not sufficient to make
payments of benefits in accordance with the terms of the Plan, the Company shall make the balance of each such payment as it falls due. The Trustee shall notify the Company when principal and earnings are not sufficient to make payments the Trustee
has been directed to make by the Company or the Participant Committee. Failure by the Company to make benefit payments in accordance with the terms of the Plan shall be considered a Change in Control as provided in Section 1.2. 
 

3 

 
2.3 Tax
Reporting and Withholding Requirements. The Company shall direct the Trustee to make provisions for reporting and withholding of any federal, state or local taxes that may be required to be withheld with respect to the payment of benefits by the
Trustee pursuant to the terms of the Plan and to pay amounts withheld to the appropriate taxing authorities. In the event that payments are made by the Company directly to participants, or amounts withheld on payments made by the Trustee are paid to
the Company, the Company shall have the responsibility for reporting and withholding of all federal, state or local taxes required to be withheld with respect to such payments and for paying such amounts withheld to the appropriate taxing
authorities. The Trustee shall have no duty or responsibility with respect to the reporting and withholding or payment of such taxes and shall have no responsibility to determine that the Company has provided for the reporting, withholding and
payment of such taxes. 
 
2.4 Participant Claims
for Benefits. The entitlement of a Plan Participant or his or her beneficiaries to benefits under the Plan shall be determined by the Administrator appointed by the Company under the Plan. Any claim for such benefits shall be considered and
reviewed under the procedures set out in the Plan. Any dispute relating to benefits covered by the Trust which is remaining after such procedures shall be resolved as provided in Article 8 of the Trust Agreement. 
 
ARTICLE 3 
 
The Trustee Responsibility Regarding Payments

to Trust Beneficiary When the Company is Insolvent 
 
3.1 Insolvency Defined. The Trustee shall cease payment of benefits to Plan Participants and their
beneficiaries if the Company is Insolvent. The Company shall be considered “Insolvent” for purposes of this Trust Agreement if (a) the Company is unable to pay its debts as they become due, or (b) the Company is subject to a pending
proceeding as a debtor under the United States Bankruptcy Code. 
 
3.2 Assets Subject to Claims of Creditors on Insolvency. At all times during the continuance of this Trust, the principal and income of the Trust shall be subject to claims of general creditors of the Company under federal and
state law as set forth below. 
 
(a) The Board of Directors and the Chief Executive Officer of the Company shall have the duty to inform the Trustee in writing of the Company’s Insolvency. If a person claiming to be a creditor of the Company alleges in writing
to the Trustee that the Company has become Insolvent, the Trustee shall determine whether the Company is Insolvent and, pending such determination, the Trustee shall discontinue payment of benefits to Plan Participants or their beneficiaries.

 
(b) Unless the Trustee has
actual knowledge of the Company’s Insolvency, or has received notice from the Company or a person claiming to be a creditor alleging that the Company is Insolvent, the Trustee shall have no duty to inquire whether the Company is Insolvent. The
Trustee may in all events rely on such evidence concerning the Company’s solvency as may be furnished to the Trustee and that provides the Trustee with a reasonable basis for making a determination concerning the Company’s solvency.

 

4 

 
(c) If at any time the Trustee has been notified or has determined that the Company is Insolvent, the Trustee shall discontinue payments to Plan Participants or their beneficiaries and shall hold the assets of the Trust for the
benefit of the Company’s general creditors. Nothing in this Trust Agreement shall in any way diminish any rights of Plan Participants or their beneficiaries to pursue their rights as general creditors of the Company with respect to benefits due
under the Plan or otherwise. 
 
(d)
The Trustee shall resume the payment of benefits to Plan Participants or their beneficiaries in accordance with Article 2 of this Trust Agreement only after the Trustee has determined that the Company is not Insolvent (or is no longer Insolvent).

 
3.3 Make Up of Suspended Benefits After
Insolvency. Provided that there are sufficient assets, if the Trustee discontinues the payment of benefits from the Trust pursuant to Section 3.2 hereof and subsequently resumes such payments, the first payment following such discontinuance
shall include the aggregate amount of all payments due to Plan Participants or their beneficiaries under the terms of the Plan for the period of such discontinuance, less the aggregate amount of any payments made to Plan Participants or their
beneficiaries by the Company in lieu of the payments provided for hereunder during any such period of discontinuance. 
 
ARTICLE 4 
 
Payments to the Company 
 
4.1 Return of Excess Assets to the Company. In the event the Trust holds Excess Assets, the Company, at its option, may direct the Trustee to return to the Company, or to divert to others, any
of the Excess Assets of the Trust. For this purpose, “Excess Assets” means the assets of the Trust and the assets of each subtrust of the Trust individually, which exceed one hundred twenty-five percent (125%) of the sum of all Plan
liabilities funded thereby. In the event that the assets of one subtrust exceed such required percentage but the assets of another subtrust do not, the Company must first direct the excess from the overfunded subtrust to be allocated to any other
less funded subtrust until all subtrusts meet the required minimum percentage before Excess Assets shall be available for return to the Company. The Trustee is authorized to obtain written documentation of the amount of such Excess Assets from an
independent third party. 
 
4.2 The Company May
Substitute Other Property for Trust Assets. The Company shall have the power to reacquire part or all of the assets or collateral held in the Trust at any time, by simultaneously substituting for it other readily marketable property of
equivalent value, net of any costs of disposition. The property which is substituted may not be less liquid or marketable or less well secured than the property for which it is substituted, as determined by the Trustee. Such power is exercisable in
a nonfiduciary capacity and may be exercised without the approval or consent of Participants or any other person. The value of any insurance contract for purposes of substitution shall be the present value of future projected cash flow or benefits
payable under the contract, but not less than the cash surrender value. The projection shall include death benefits based on reasonable mortality assumptions, including facts specifically related to the health of the insured and the terms of the
contract to be reacquired. Values shall be reasonably determined by the Trustee and may be based on the determination of qualified independent parties or experts. The Trustee shall have the right to secure confirmation of value by a qualified
independent party or expert for all property to be substituted for other property hereunder. 
 

5 

 
ARTICLE 5

 
Powers of the Trustee 
 
5.1 Investment Policy. The Company shall establish and
provide to the Trustee an “Investment Policy” setting forth permitted investments for the Trust. Prior to a Change in Control, the Company may revise this Investment Policy from time to time and the Trustee shall invest the Trust assets in
investments authorized under the Investment Policy, in accordance with written directions of the Company. After a Change in Control, the Participant Committee shall approve any revision made by the Company in the Investment Policy. The Trustee shall
be fully protected in acting upon or complying with any investment objectives, guidelines, restrictions or directions provided by the Company or the Participant Committee in accordance with this Section. If the Trustee does not receive instructions
from the Company prior to a Change in Control, or from a Participant Committee after a Change in Control, for the investment of part or all of the Trust assets for a period of at least sixty (60) days, the Trustee shall invest and reinvest the
assets of the Trust as the Trustee determines, in its sole discretion, pursuant to a prudent investment strategy that is in the best interests of the Plan Participants, in insurance and annuity contracts, obligations of governmental bodies,
certificates of deposit, and other investments permitted under the Investment Policy as previously furnished to the Trustee. In the event the Company or the Participant Committee delegates to the Trustee or the Trustee is otherwise required to take
responsibility for the investment of Trust assets at any time, for any reason, the Trustee is hereby specifically authorized to retain and maintain any insurance contracts and employer securities regardless of the desirability of diversification of
Trust assets. The Trustee is hereby specifically authorized to invest in any proprietary mutual fund (within the types of investments permitted under the Investment Policy), now or hereafter maintained by the Trustee, or an affiliate of the Trustee,
and any interest-bearing savings or deposit accounts with the banking department of the Trustee, or an affiliate of the Trustee. 
 
5.2 Administrative Powers. Subject in all respects to applicable provisions of this Trust Agreement and the Plan, the Trustee shall
have the rights, powers and privileges of an absolute owner when dealing with property of the Trust, including, without limiting the generality of the foregoing, the powers listed below: 
 
(a) To invest and reinvest the Trust assets in any one or more kind, type, class, item or
parcel of property, real or personal, tangible or intangible; or in any one or more kind, type, class, or item of obligation, secured or unsecured; or in any combination of them and to retain the property for the period of time that the Company or
Participant Committee deems appropriate, despite fluctuations in the market price or the property. 
 
(b) To sell, convey, transfer, exchange, partition, lease, and otherwise dispose of any of the assets of the Trust at any
time held by the Trustee under this Trust Agreement with or without notice. 
 
(c) To exercise any option, conversion privilege or subscription right given the Trustee as the owner of any security held in the Trust; to vote any corporate stock either in person or by proxy, with
or without power of substitution; to consent to or oppose any reorganization, consolidation, merger, readjustment of financial structure, sale, lease or other disposition of the assets 
 

6 

of any corporation or other organization, the securities of which may be an asset of the
Trust; to take any action in connection therewith and receive and retain any securities resulting therefrom. 
 
(d) To cause any property of the Trust to be issued, held or registered in the name of the Trustee as the Trustee, or in
the name of one or more of its nominees, or one or more nominees of any system for the central handling of securities, or in such form that title will pass by delivery, provided that the records of the Trustee shall in all events indicate the true
ownership of such property. 
 
(e)
To renew or extend the time of payment of any obligation due or to become due. 
 
(f) To commence or defend lawsuits or legal or administrative proceedings; to compromise, arbitrate or settle claims, debts or damages in favor of or against the Trust; to deliver or accept, in either
total or partial satisfaction of any indebtedness or other obligation, any property; to continue to hold for such period of time as the Trustee may deem appropriate any property so received; and to pay all costs and reasonable attorneys’ fees
in connection therewith out of the assets of the Trust. 
 
(g) To manage any real property in the Trust in the same manner as if the Trustee were the absolute owner thereof. 
 
(h) To borrow money from any person in such amounts, upon such terms and conditions and for such purposes as the Trustee,
in its discretion, may deem appropriate; in connection therewith to pledge or mortgage any Trust asset as security; to lend money on a secured or unsecured basis to any person other than a party in interest. 
 
(i) To hold such part of the assets of the
Trust uninvested for such limited periods of time as may be necessary for purposes of orderly account administration or pending required directions, without liability for payment of interest. 
 
(j) To determine how all receipts and
disbursements shall be credited, charged or apportioned as between income and principal. 
 
(k) To dispose of any property in the Trust and to enforce any note or obligations of the Company to the Trust (and
foreclose on any collateral securing such notes, subject to the terms of any pledge agreement to the Trustee) in the event the Company fails to make required contributions to the Trust after sixty (60) days’ written notice to the Company of its
failure to make such required contributions. 
 
(l) Generally to do all acts, whether or not expressly authorized, which the Trustee may deem necessary or desirable for the orderly administration or protection of the Trust. 
 
5.3 Investment in the Company Securities. The Trustee
may, if specifically directed to do so, invest in securities (including stock or rights to acquire stock) or obligations issued by the Company. All rights associated with such securities or obligations acquired by the Trust shall be exercised by the
Trustee or the person designated by the Trustee, and shall in no event be exercisable by or rest with Plan Participants. 
 

7 

 
5.4
Limitation With Respect to Insurance Policies. The Trustee shall have, without exclusion, all powers conferred on Trustees by applicable law, unless expressly provided otherwise herein; provided, however, that if an insurance policy is held
as an asset of the Trust, the Trustee shall have no power to name a beneficiary of the policy other than the Trust, to assign the policy (as distinct from conversion of the policy to a different form) other than to a successor Trustee, or to loan to
any person the proceeds of any borrowing against such policy. 
 
5.5 Limitation With Respect to the Company as a Business. Notwithstanding any powers granted to the Trustee pursuant to this Trust Agreement or to applicable law, the Trustee shall not have any power that could give this Trust
the objective of carrying on a business and dividing the gains therefrom, within the meaning of Section 301.7701-2 of the Procedure and Administrative Regulations promulgated pursuant to the Internal Revenue Code. 
 
ARTICLE 6 
 
Disposition of Income 
 
During the term of this Trust, all income received by the
Trust, net of expenses and taxes, shall be accumulated and reinvested until such time as it is distributed as directed by this Trust Agreement. 
 
ARTICLE 7 
 
Accounting by the Trustee 
 
7.1 Accounting and Records. The Trustee shall keep accurate and detailed records of all investments, receipts,
disbursements, and all other transactions required to be made, including such specific records as shall be agreed upon in writing between the Company and the Trustee. Such records shall be open to inspection by the Company at all reasonable times.
Within sixty (60) days following the close of each calendar year and within sixty (60) days after the removal or resignation of the Trustee, the Trustee shall deliver to the Company a written account of its administration of the Trust during such
year or during the period from the close of the last preceding year to the date of such removal or resignation, setting forth all investments, receipts, disbursements and other transactions effected by it, including a description of all securities
and investments purchased and sold with the cost or net proceeds of such purchases or sales (accrued interest paid or receivable being shown separately), and showing all cash, securities and other property held in the Trust at the end of such year
or as of the date of such removal or resignation, as the case may be. After a Change in Control, the Participant Committee shall have the same rights of inspection as the Company and the Trustee shall deliver a copy of its written account to the
Participant Committee as well as to the Company. The requirement for any other accountings, including without limitation accountings to any Participant or beneficiary, is hereby waived to the fullest extent permitted by applicable law. 
 
7.2 Valuation. The assets of the Trust shall be valued
at their fair market value on the date of valuation, as determined by the Trustee based upon such sources of information as it may deem reliable; provided, however, that the Company, and after a Change in Control, the Participant Committee, shall
instruct the Trustee as to asset valuations which are not readily determinable on an established market. The 
 

8 

 
Trustee may rely conclusively
on such valuations provided by the Company, the Participant Committee or a duly appointed agent of either. If the Company or Participant Committee fails to provide such values, the Trustee may take whatever action it deems reasonable, including
employment of attorneys, appraisers or other professionals, the expense of which will be an expense of administration of the Trust. The value of any insurance contract for purposes of substitution shall be the present value of future projected cash
flow or benefits payable under the contract, but not less than the cash surrender value. The projection shall include death benefits based on reasonable mortality assumptions, including facts specifically related to the health of the insured and the
terms of the contract to be reacquired. 
 
7.3
Tax Reporting. The Company and not the Trustee shall be responsible for all income tax reporting and calculation and payment of any wage withholding or other tax requirements in connection with the Trust and any contributions thereto,
and any income earned thereby, and payments or distributions therefrom. Unless otherwise agreed in writing by the parties, the Trustee shall prepare annually grantor trust tax forms for the Trust and shall promptly transmit copies of such documents
to the Company for its use in preparing its annual corporate income tax return. If any part of the Trust may become liable for payment of any estate, inheritance, or other taxes, charges or assessments, the Trustee shall refer such matter to the
Company and may take such action as the Company shall direct. 
 
ARTICLE 8 
 
Responsibility of the Trustee 
 
8.1 Fiduciary Responsibility. The Trustee shall act with the care, skill, prudence and diligence under the circumstances then prevailing that a prudent person acting in like capacity and familiar with such matters would use in
the conduct of an enterprise of a like character and with like aims; provided, however, that the Trustee shall incur no liability to any person for any action taken pursuant to a direction, request or approval given by the Company or Participant
Committee which is contemplated by, and in conformity with, the terms of this Trust Agreement, and is given in writing by the Company or Participant Committee. 
 
8.2 Indemnification. The Company hereby indemnifies the Trustee against losses, liabilities, claims, costs and expenses in
connection with the administration of the Trust, unless resulting from the proven negligence or misconduct of the Trustee. To the extent the Company fails to make any payment on account of an indemnity provided in this Section in a reasonably timely
manner, the Trustee may obtain payment from the Trust. If the Trustee undertakes or defends any litigation arising in connection with this Trust or to protect a Participant’s or Beneficiary’s rights under the Plan or Trust, the Company
agrees to indemnify the Trustee against the Trustee’s costs, reasonable expenses and liabilities (including, without limitation, attorneys’ fees and expenses) relating thereto and to be primarily liable for such payments. If the Company
does not pay such costs, expenses and liabilities in a reasonably timely manner, the Trustee may obtain payment from the Trust. 
 
8.3 Legal Counsel. The Trustee may consult with legal counsel (who may also be counsel for the Company generally) with respect to
any of its duties or obligations hereunder. 
 

9 

 
8.4
Experts. The Trustee may hire agents, accountants, actuaries, investment advisors, financial consultants or other professionals to assist it in performing any of its duties or obligations hereunder and may rely on any determinations made by
such agents and information provided to it by the Company. 
 
8.5 Resolution of Disputes. In the event a dispute arises with respect to benefits, rights or allocations under the Plan or this Trust Agreement among the Company, the Participant Committee, a Plan Participant or a
beneficiary, the Trustee shall in its sole and absolute discretion decide such claim and give notice to the disputing parties of its decision on the claim. The Trustee may require a Participant to first exhaust all dispute resolution options
available under the Plan. 
 
ARTICLE 9

 
Compensation and Expenses of the Trustee

 
The Trustee shall be paid a reasonable
Trustee fee fixed by agreement with the Company from time to time and shall be reimbursed for all reasonable expenses, including, but not limited to, legal fees, experts’ fees or fees and expenses associated with legal proceedings. No increase
in the Trustee fee shall be effective before sixty (60) days after the Trustee gives notice to the Company of the increase. The Trustee shall notify the Company periodically of fees and expenses. The Company shall pay the Trustee fees and all other
fees and expenses. However, to the extent that any such fees or expenses are not paid by the Company within sixty (60) days after the Company’s receipt of the Trustee’s invoice therefor, the Trustee may charge the Trust for such fees or
expenses. 
 
ARTICLE 10 
 
Resignation and Removal of the Trustee 
 
10.1 Resignation. The Trustee may resign at any time by
written notice to the Company, which shall be effective sixty (60) days after receipt of such notice unless the Company and the Trustee agree otherwise. If the Trustee resigns prior to a Change in Control, the Company shall select a successor
Trustee in accordance with the provisions of Section 11.1 hereof prior to the effective date of the Trustee’s resignation or removal. On or after a Change in Control, the selection of the successor Trustee shall be made by the Participant
Committee prior to the effective date of the Trustee’s resignation. 
 
10.2 Removal. The Trustee may be removed by the Company at any time prior to a Change in Control on sixty (60) days’ notice or upon shorter notice accepted by the Trustee. On or after a Change in Control, the
Trustee may be removed by the Participant Committee on sixty (60) days’ notice or upon shorter notice accepted by the Trustee. If the Trustee is removed, a successor shall be appointed, in accordance with Section 11.2 hereof, by the effective
date of removal. If no such appointment has been made, the Trustee may apply to a court of competent jurisdiction for instructions. All expenses of the Trustee in connection with the proceeding shall be allowed as administrative expenses of the
Trust payable by the Company as provided in Article 9. 
 

10 

 
10.3
Transfer of Assets. Upon resignation or removal of the Trustee and appointment of a successor Trustee, all assets shall subsequently be transferred to the successor Trustee. The transfer shall be completed within ninety (90) days after
receipt of notice of resignation, removal or transfer, unless the Company extends the time limit. 
 
ARTICLE 11 
 
Appointment of Successor 
 
11.1 On Resignation of the Trustee. If the Trustee resigns pursuant to the provisions of Section 10.1 hereof, the Company may appoint as successor Trustee any third party, such as a bank trust department or other entity, with
at least one billion dollars ($1,000,000,000) in trust assets and that may be granted corporate trustee powers under applicable law, provided that as specified in Section 10.1 on or after a Change in Control the Participant Committee shall appoint
the successor Trustee. The appointment of a successor Trustee shall be effective when accepted in writing by the new Trustee. The new Trustee shall have all the rights and powers of the former Trustee, including ownership rights in Trust assets. The
former Trustee shall execute any instrument necessary or reasonably requested by the successor Trustee to evidence the transfer. If no such appointment has been made, the Trustee may apply to a court of competent jurisdiction for instructions. All
expenses of the Trustee in connection with the proceeding shall be allowed as administrative expenses of the Trust payable by the Company as provided in Article 9. 
 
11.2 On Removal of the Trustee. If the Trustee is removed in accordance with Section 10.2 hereof, the
Company or the Participant Committee having the authority to make such removal may appoint any third party, such as a bank trust department or other entity, with at least one billion dollars ($1,000,000,000) in trust assets and that may be granted
corporate trustee powers under applicable law, as a successor to replace the Trustee upon removal. The appointment shall be effective when accepted in writing by the new Trustee, who shall have all of the rights and powers of the former Trustee,
including ownership rights in the Trust assets. The former Trustee shall execute any instrument necessary or reasonably requested by the Company, the Participant Committee or the successor Trustee to evidence the transfer. 
 
11.3 Responsibility of Successor Trustee. The successor
Trustee need not examine the records and acts of any prior Trustee and may retain or dispose of existing Trust assets, subject to the terms of this Trust Agreement. The successor Trustee shall not be responsible for and the Company shall indemnify
and defend the successor Trustee from any claim or liability resulting from any action or inaction of any prior Trustee or from any other past event, or any condition existing at the time it becomes successor Trustee. 
 
ARTICLE 12 
 
Amendment or Termination 
 
12.1 Amendment. Prior to a Change in Control, this
Trust Agreement may be amended by a written instrument executed by the Trustee and the Company. After a Change in Control, this Trust Agreement may only be amended by a written instrument executed by the Trustee, the Company and an authorized
representative of the Participant Committee. Notwithstanding the foregoing, no such amendment 
 

11 

 
shall significantly reduce the
rights of Participants, conflict with the terms of the Plan or make the Trust revocable. 
 
12.2 Termination. The Trust shall not terminate until the date on which all Plan Participants and their beneficiaries are no longer entitled to benefits pursuant to the terms of the Plan. Upon
termination of the Trust any assets remaining in the Trust shall be returned to the Company. Notwithstanding the foregoing, upon written approval of all Participants or beneficiaries entitled to payment of benefits pursuant to the terms of the Plan,
the Company may terminate this Trust prior to the time all benefit payments under the Plan have been made and all assets in the Trust remaining after payments to Participants and beneficiaries at such agreed to termination shall be returned to the
Company. 
 
ARTICLE 13 
 
Miscellaneous 
 
13.1 Binding Effect; Successor Company. This Trust
Agreement shall be binding upon and inure to the benefit of any successor to the Company or its business as the result of merger, consolidation, reorganization, transfer of assets or otherwise, and any subsequent successor thereto. In the event of
any such merger, consolidation, reorganization, transfer of assets or other similar transaction, the successor to the Company or its business or any subsequent successor thereto shall promptly notify the Trustee in writing of its successorship and
shall promptly supply information required by the Trustee. 
 
13.2 Severability. Any provision of this Trust Agreement prohibited by law shall be ineffective to the extent of any such prohibition, without invalidating the remaining provisions hereof. 
 
13.3 Nonassignability. Benefits payable to Plan
Participants and their beneficiaries under this Trust Agreement may not be anticipated, assigned (either at law or in equity), alienated, pledged or encumbered and any attempt to anticipate, assign, alienate, pledge or encumber any benefits shall be
null and void. Benefits under this Trust shall not be subject to attachment, garnishment, levy, execution or other legal or equitable process. 
 
13.4 Applicable Law. This Trust Agreement shall be governed by and construed in accordance with the laws of North Carolina except
where preempted by federal law. 
 
ARTICLE 14

 
Definitions 
 
14.1 Assumptions and Methodology shall mean the
actuarial assumptions and method of calculation used in determining the present or future value of benefits, earnings, payments, fees, expenses or any other amounts required to be calculated under the terms of the Trust Agreement. Such Assumptions
and Methodology shall be outlined in detail in Exhibit B to the Trust Agreement and may be changed from time to time by the Company prior to a Change in Control and by the Participant Committee after a Change in Control. 
 

12 

 
14.2 Change
in Control shall mean either: 
 
(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 subparagraph (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 (iv) by any Person pursuant to a Business Combination that complies with all of the provisions
of clauses (i), (ii) and (iii) of subparagraph (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 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 execution of the initial agreement or of the action of the Board 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 subparagraph (b); or 
 
(e) Failure to Pay Benefits. A failure by the Company
to make benefit payments as they come due under the Plan, such failure shall be treated as a Change in Control and until the cure of such failure, a Change in Control shall be deemed to have occurred for purposes of this Agreement 
 
(f) Definitions. For purposes of this paragraph
defining Change in Control, the following definitions shall apply: 
 
(i) Beneficial Ownership shall mean beneficial ownership as that term is used 
 

13 

 
in Rule
13d-3 promulgated under the Exchange Act. 
 
(ii) Business Combination shall mean a reorganization, merger or consolidation of the Company. 
 
(iii) Eighty Percent (80%) Subsidiary shall mean an entity in which the Company directly or indirectly
beneficially owns eighty percent (80%) or more of the outstanding Voting Stock. 
 
(iv) Exchange Act shall mean the Securities Exchange Act of 1934, including amendments, or successor statutes of
similar intent. 
 
(v)
Incumbent Board shall mean 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 the effective date of this Plan or (b) members who become members of
the Company’s Board of Directors subsequent to the effective date of this Plan 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. 
 
(vi) Person shall mean any individual, entity or group (within the meaning of Section 13(d)(3) or 14 (d)(2) of the
Exchange Act). 
 
(vii) Voting
Stock shall mean the then outstanding securities of an entity entitled to vote generally in the election of members of that entity’s Board of Directors. 
 
The Board of Directors and the Chief Executive Officer of the Company shall have the duty to inform the Trustee in writing
when there has been a Change in Control. If a Plan Participant alleges in writing to the Trustee that a Change in Control has occurred, the Trustee shall inquire of the Company to determine if there has been a Change in Control. Unless the Trustee
has actual knowledge of a Change in Control, or has received notice from the Company or a Plan Participant alleging that a Change in Control has occured, the Trustee shall have no duty to inquire whether a Change in Control has occurred. The Trustee
may, in all events, rely on such evidence concerning the occurrence of a Change in Control as may be furnished by the Company to the Trustee and that provides the Trustee with a reasonable basis for making a determination. 
 
14.3 Company shall mean Equifax Inc. 
 
14.4 Excess Assets shall have the meaning given to such
term in Section 4.1. 
 

14 

 
14.5
Insolvent/Insolvency shall have the meaning given to such term in Section 3.1 of the Trust Agreement. 
 
14.6 Investment Policy shall mean the investment policy provided by the Company or the Participant Committee to the Trustee
pursuant to Section 5.1 of the Trust Agreement. 
 
14.7 Payment Schedule shall have the meaning given to such term in Section 2.1 of the Trust Agreement. 
 
14.8 Participant shall mean a participant in the Plan and shall have the meaning given to such term in the Plan. 
 
14.9 Participant Committee shall mean a committee of
Participants which shall be established upon a Change in Control to direct the Trustee. The Participant Committee shall consist at all times of the three Participants holding the largest accrued benefits protected by the Trust assets (whether vested
or unvested). Any action taken by the Participant Committee shall require a unanimous vote of all three members of the committee. After a Change in Control, it shall be the responsibility of the Company to notify such Participants of their
obligation to serve on the Participant Committee. In the event one of the three largest Participants is incompetent or otherwise unavailable to serve, it shall be the responsibility of the Company to notify the Participant having the next largest
interest in the Trust assets of his or her obligation to take the place of such unavailable Participant and serve on the Participant Committee. After a Change in Control, it shall also be the responsibility of the Company to provide the Trustee with
the names, specimen signatures and contact information, including addresses and phone numbers, of the members of the Participant Committee. 
 
14.10 Plan shall mean the plan or plans sponsored by the Company and funded by the assets of the Trust. Such Plans shall be listed
as Exhibit A to the Trust Agreement. Additional plans may be added from time to time by the Company prior to a Change in Control and with approval of the Participant Committee after a Change in Control. 
 
14.11 Trust shall mean the trust fund established by
this Trust Agreement. 
 
14.12 Trustee shall
mean Wachovia Bank, N.A. 
 

15 

 
IN WITNESS
WHEREOF, the parties hereto have executed and entered into this Trust Agreement as of the date first above written. 
 

	 TRUSTEE:
	 	 	 	 Wachovia Bank, N.A.

	
	 	 	 	 	 	 	 By
	 	 /s/    JOHN N.
SMITH

	 	 	 	 	 	 	 	 	 Its
	 	 Senior Vice President

 

	 COMPANY:
	 	 	 	 Equifax Inc.

	
	 	 	 	 	 	 	 By
	 	 /s/    KAREN H.
GASTON

	 	 	 	 	 	 	 	 	 Its
	 	 Chief Administrative Officer

 

16 

 
Exhibit
A 
 
Plans Funded by Trust 
 
Subtrust A: 
 
Equifax Executive Deferred Compensation Plan, effective
January 1, 2003 
Equifax Director Deferred Compensation Plan, effective January 1, 2003 
 
Subtrust B: 
 
Equifax Executive And Director Stock Deferral Plan,
effective January 1, 2003 
 
This Exhibit A
shall supersede any prior Exhibit A and shall be effective January 1, 2003. 
 

	                 TRUSTEE:
	 	 	 	 Wachovia Bank, N.A.

	
	 	 	 	 	 	 	 By
	 	 /s/    JOHN N.
SMITH

	 	 	 	 	 	 	 	 	 Its
	 	 Senior Vice President

 

	                 COMPANY:
	 	 	 	 Equifax Inc.

	
	 	 	 	 	 	 	 By
	 	 /s/    KAREN H. GASTON

	 	 	 	 	 	 	 	 	 Its
	 	 Chief Administrative Officer

 
 
Exhibit B 
 
Assumptions and Methodology 
 
Present Value Calculations: 
 

	 	—	 	The present value of future accrued benefits shall be assumed to equal the total combined account balances of all Participants. 

 

	 	—	 	The present value of an insurance policy held by the Trust will be assumed to be the cash value of such policy. 

 

	 	—	 	The present value of other assets shall be assumed to be the fair market value of such assets. 

 

	 	—	 	The present value of all reasonably anticipated fees & expenses (including legal expenses) shall be determined by the Trustee. 

 
This Exhibit B shall supersede any prior Exhibit B and shall be effective
January 1, 2003. 
 

	 TRUSTEE:
	 	 	 	 Wachovia Bank, N.A.

	
	 	 	 	 	 	 	 By
	 	 /s/    JOHN N.
SMITH

	 	 	 	 	 	 	 	 	 Its
	 	 Senior Vice President

 

	 COMPANY:
	 	 	 	 Equifax Inc.

	
	 	 	 	 	 	 	 By
	 	 /s/    KAREN H.
GASTON

	 	 	 	 	 	 	 	 	 Its
	 	 Chief Administrative Officer

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