Document:

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                                                                   EXHIBIT 10.8

                              ACQUISITION AGREEMENT

                                 by and between

                         EQUIFAX PAYMENT SERVICES, INC.

                        EQUIFAX DO BRASIL HOLDINGS LTDA.

                              SOCMA AMERICANA S.A.

                              SIDECO DO BRASIL S.A.

                                       and

                   UNNISA-SOLUCOES EM MEIOS DE PAGAMENTO LTDA.

                          Effective as of May 24, 2001

                             Kilpatrick Stockton LLP
                              1100 Peachtree Street
                             Atlanta, Georgia 30309
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                              SCHEDULE OF EXHIBITS
                              --------------------

         Exhibit A                Certain Accounts Payable

         Exhibit B                Lawsuit Dismissal

         Exhibit C                Arbitration Dismissal

         Exhibit D                Capitalization of Seller

         Exhibit E-1              Tozzini Freire Teixera e Silva Legal Opinion

         Exhibit E-2              Socma Group Legal Department Legal Opinion

         Exhibit F-1              Kilpatrick Stockton LLP Legal Opinion

         Exhibit F-2              Mundie e Advogados Legal Opinion
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                              ACQUISITION AGREEMENT

         THIS AGREEMENT is made and entered into effective as of the 24th day of
May, 2001, by and between:

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

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

         (3) SOCMA AMERICANA S.A., an Argentine corporation ("sociedad
anonima"), whose head office is located at Av. Eduardo Madero 940, Piso 15,
Capital Federal Registro No. 7034, Libro 100, tomo "A" de Sociedades Anonimas -
Registro Publico de Comercio de la Capital Federal de la Republica Argentina
("Socma");
  -----

         (4) SIDECO DO BRASIL S.A., a Brazilian corporation ("sociedade
anonima"), whose head office is located in City and State of Sao Paulo, at Rua
Pedroso Alvarenga, 1284, 7th floor, enrolled at Federal Taxpayers' Registry
under N(Degree) 00.280.334/0001-66 (the "Seller", and together with Socma,
                                         ------
collectively referred to as "Socma Group", and the Seller or Socma may also be
                             -----------
referred to individually as a "member of the Socma Group"); and

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

                              BACKGROUND STATEMENT

         WHEREAS, with effect from October, 2000, Sideco Americana S.A., an
Argentine corporation ("sociedad anonima") ("SFH") became the holder of all the
                                             ---
quotas of Unnisa then held by Socma as a result of a reorganization involving
Socma and SFH;

         WHEREAS, prior to the date hereof SFH transferred all of the quotas of
Unnisa then held by it, together with all of its rights and obligations to
subscribe for additional quotas of Unnisa (pursuant to the 23rd Amendment to the
Articles of Association of Unnisa), which in the aggregate equals 20.335% of the
outstanding quotas(collectively, the "Quotas") of Unnisa, to Sanwer
                                      ------
International S.A., a Uruguayan company ("Sanwer"); and
                                          ------

         WHEREAS, immediately prior to the Closing Date Sanwer shall sell and
transfer all of the Quotas to the Seller, for an aggregate purchase price of R$
64,200,000.00; and
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         WHEREAS, Socma, Holdings and others are all parties to that certain
Quotaholders Agreement entered into on or about June 28, 1999 (the "Quotaholders
                                                                    ------------
Agreement"), as modified by that certain Modification of Quotaholders Agreement
---------
entered into on or about April 26, 2001 (the "Modification"); and
                                              ------------

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

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

1.       THE ACQUISITION

         1.1   Acquisition and Sale of the Seller's Interest

         (a)   Subject to the terms contained in this Agreement, on the Closing
Date the Seller shall sell, transfer and assign to Equifax or, if so elected by
Equifax, to any Designee, the Quotas for an aggregate purchase price of R$
64,200,000.00 (the "Acquisition Price"), all of which Quotas shall be free and
                    -----------------
clear of any and all Liens. The Acquisition Price shall be paid as described in
Paragraph 1.1(c) below.

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

         (c)   By its signature to this Agreement, the Seller authorizes and
directs the Acquisition Price (R$ 62,111,614.00, being net of the amounts
referred to in Paragraph 1.1(d) below) to be paid at the Closing in cash in
Brazilian reais to Seller. Each of Socma and Seller covenants and agrees with
Equifax that any check(s) issued in payment of the Acquisition Price shall be
deposited in a bank in Brazil promptly upon its receipt.

         (d)   Unnisa acknowledges and agrees that, simultaneously with the
Closing, EV1 has paid (i) R$ 1,998,386.00 in cash to Unnisa in full and final
satisfaction of the Socma Group's liability for previously subscribed quotas
(pursuant to the 23rd Amendment to the Articles of Association of Unnisa), and
(ii) R$ 90,000.00 in cash to Unnisa in full and final satisfaction of the Socma
Group's liability for previously incurred accounts receivable as reflected on
Exhibit A. Unnisa acknowledges and agrees that the Socma Group shall have no
further liability in respect of either of the foregoing obligations.

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

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2.       TRANSACTION STRUCTURE

         2.1   Socma Group's Obligations. Immediately prior to the Closing Date,
Seller shall have purchased and acquired from Sanwer all of the Quotas for an
aggregate purchase price of R$ 64,200,000.

3.       CLOSING

         3.1   Closing. Subject to the conditions contained in Articles 8 and 9
having been satisfied or waived in writing in accordance with the terms of this
Agreement, the consummation of the transactions contemplated in this Agreement
(the "Closing") will take place at the offices of Mundie e Advogados, located at
      -------
Av. Presidente Juscelino Kubitschek, n.(Degree)50, 17th floor, Sao Paulo,
Brasil, commencing at 9:00 a.m., local time, on May 24, 2001, or any other date
as may be mutually acceptable to the Parties (the date of the Closing being
referred to in this Agreement as the "Closing Date"); provided, however, that
                                      ------------
the Transaction shall for all purposes be effective as of 12:01 a.m., Sao Paulo
time, on May 24, 2001. To facilitate the Closing, the Parties will meet at a
pre-closing conference at the offices of Mundie e Advogados, commencing at 9:00
a.m., local time, on the first Business Day immediately preceding the Closing
Date, with the intention to finalize the Closing matters contemplated in this
Agreement in a timely manner so as to cause the Closing to occur on the Closing
Date.

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

4.       ADDITIONAL COVENANTS

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

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and promotion of their respective businesses, it being expressly understood and
agreed that no fees or other compensation shall be payable in respect of such
cooperation and advisory services unless the relevant Persons shall have
expressly agreed in writing to the payment of any such fees or other
compensation.

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

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

         4.4   Brokers. Each member of the Socma Group represents and warrants
to Equifax that no broker or finder has acted on their behalf in connection with
this Agreement or the transactions contemplated in this Agreement, and Socma
Group agrees to indemnify Equifax and hold it harmless from and against any and
all claims or demands for commissions or other compensation by any broker,
finder or similar agent claiming to have been employed by or on behalf of it.
Equifax represents and warrants that no broker or finder has acted on its behalf
or on behalf of Unnisa in connection with this Agreement or the transactions
contemplated in this Agreement and agrees to indemnify Socma Group and hold them
harmless from and against any and all claims or demands for commissions or other
compensation by any broker, finder or similar agent claiming to have been
employed by or on behalf of Equifax.

         4.5   Publicity. Except to the extent required by applicable Law or
listing agreement with any securities exchange, all press releases and other
public announcements respecting the subject matter of this Agreement will be
made only with the mutual agreement of Socma and Equifax, which agreement will
not be unreasonably withheld, delayed or conditioned. Prior to submitting any
information to third parties as required by applicable Law or listing agreement
with any securities exchange, each Party will provide the other

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Parties with a reasonable opportunity to review and comment on the terms upon
which such information will be disclosed.

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

         4.7   Dismissal of Litigation.

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

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

5.       REPRESENTATIONS, WARRANTIES AND COVENANTS RELATING TO UNNISA

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

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

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         5.2   Liabilities.

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

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

         5.3   Intellectual Property Rights. Unnisa has not received any notice,
complaint, threat or claim alleging infringement of, any patent, trademark,
trade name, copyright, industrial design, trade secret or any other intellectual
property or proprietary right of any Person, nor has the conduct by Unnisa of
its business or its use of the Proprietary Rights infringed any patent,
trademark, trade name, copyright, industrial design, trade secret or any other
intellectual property or proprietary right of any Person which would result in a
material adverse effect on the business, prospects or assets of Unnisa.

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

         5.5   Absence of Certain Business Practices. Neither Socma Group nor
any of their respective officers, directors, employees, agents, nor any other
Person acting on any of their behalf has, directly or indirectly, within the
past five years given or agreed to give any gift or similar benefit to any
Government employee or other Person who is or may be in a position to help or
hinder the business of Unnisa (or to assist Unnisa in connection with any actual
or proposed transaction).

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

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

         5.8   Full Disclosure. No representation, warranty, covenant or
agreement of or relating to Unnisa contained in this Agreement or in any other
written statement or certificate delivered by any member of the Socma Group,
pursuant to or in connection with this Agreement or in connection with the
transactions contemplated in this Agreement contains or

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will contain any untrue statement of a material fact or omits or will omit to
state a material fact necessary to make the statements contained in this
Agreement or in any other written statement or certificate delivered by any
member of the Socma Group, pursuant to this Agreement not misleading. Other than
for information that is generally known to the public or in respect of which
there has been public disclosure or in respect of which Equifax or its
Affiliates has Knowledge, there is no fact known to any member of the Socma
Group which materially and adversely affects, or in the future may materially
and adversely affect, the business, operations, cash flows, affairs, prospects,
properties or assets, or the condition, financial or otherwise, of Unnisa or the
businesses to be conducted by Unnisa on and after the Closing Date, or its
operations, cash flows, affairs, prospects, properties or assets.

6.       REPRESENTATIONS AND WARRANTIES RELATING TO THE SOCMA GROUP

         Each member of the Socma Group, jointly and severally, represents,
warrants and covenants to Equifax, as of the date hereof and again as of the
Closing Date, as follows:

         6.1   Existence.

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

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

         6.2   Capitalization; Ownership of Equity. The capital of each member
of the Socma Group (other than Socma) and of each of SFH and Sanwer is owned
beneficially and legally as set forth in Exhibit D to this Agreement.

         6.3   Authority; Inconsistent Obligations.

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

         (b)   Neither the execution and delivery of this Agreement by any
member of the Socma Group, nor the consummation of the transactions contemplated
by this Agreement, will (i) result in a violation of the Articles of
Association, Articles of Incorporation or By-Laws of any member of the Socma
Group, or on the date of this Agreement or on the Closing

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Date any applicable material Law or Order, (ii) violate any Order or Law
applicable to any member of the Socma Group, or (iii) result in a breach of,
conflict with or default under, any term or provision of any indenture, note,
mortgage, bond, security agreement, loan agreement, guaranty, pledge, or other
instrument, contract, agreement or commitment to which any member of the Socma
Group is a party or by which any of its assets, properties, or businesses is
subject or bound; nor will these actions result in (w) the creation of any Lien
on the Quotas, or any of the assets, properties, businesses, revenues or profits
of any member of the Socma Group, (x) the acceleration or creation of any
obligation of any member of the Socma Group, (y) the forfeiture of any material
right or privilege of any member of the Socma Group, or (z) the forfeiture of
any material right or privilege of any member of the Socma Group that may affect
its ability to perform under this Agreement.

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

         6.5   No Violation; Compliance with Laws. No member of the Socma Group
is in default under or in violation of (a) its Articles of Association, Articles
of Incorporation or By-Laws, as appropriate, or (b) any material applicable
Order or Law, and each member of the Socma Group has complied with all
applicable Laws, where the failure to so comply would have a material adverse
effect on Socma and its consolidated subsidiaries. No member of the Socma Group
has received any notification of any asserted present or past failure by any
member of the Socma Group to comply with any material applicable Order or Laws,
where the asserted failure if determined adversely to any member of the Socma
Group would have a material adverse effect on Socma and its consolidated
subsidiaries.

         6.6   Consents. The execution and delivery by each member of the Socma
Group of this Agreement, the consummation of the transactions contemplated in
this Agreement, and the performance by each member of the Socma Group under this
Agreement, does not (a) require the consent, approval or action of, or any
filing with or notice to, any Government or other Person, other than for a
notification filing to be made with the Brazilian anti-trust authorities within
fifteen (15) days after the date of this Agreement, (b) require the consent or
approval of the shareholders of any member of the Socma Group (except for those
previously obtained), or (c) impose any other term, condition or restriction on
Socma Group pursuant to any applicable Order or Law.

         6.7   Litigation; Contingencies. There are no Actions existing or, to
the knowledge of any member of the Socma Group, threatened against, by or
affecting any member of the Socma Group, the property, business, revenues or
assets of any member of the Socma Group, in any Forum, nor is there any basis
for any Actions, nor do there exist any other contingent liabilities, the
eventual outcome of which might have a material adverse effect on Socma and its
consolidated subsidiaries after the date of this Agreement, or which would
prevent or impede the transactions contemplated by this Agreement. No member of
the Socma Group has been charged with, or is under investigation with respect
to, any material charge concerning any violation of any provision of any Law.
There are no material unsatisfied judgments against any member of the Socma
Group or any of its predecessors or any other material Order to which any member
of the Socma Group, or any of material assets or properties of any member of the
Socma Group, are subject.

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

7.       REPRESENTATIONS AND WARRANTIES OF EQUIFAX

         Each of EFX and Holdings, jointly and severally, represents and
warrants to, and covenants and agrees with, each member of the Socma Group, as
of the date hereof and again as of the Closing Date, as follows:

         7.1   Organization.

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

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

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

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

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

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

8.       CONDITIONS TO OBLIGATIONS OF EQUIFAX

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

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

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

         8.3   Compliance with Covenants and Conditions. The Seller and each
other member of the Socma Group will have performed and complied with all
covenants,

                                       10
<PAGE>

agreements and conditions required by this Agreement to be performed or complied
with by it prior to or on the Closing Date.

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

         8.5   Opinion of Counsel. Equifax will have received from (i) Tozzini
Freire Teixera e Silva, special Brazilian legal counsel for Socma Group, and
(ii) Dr. Antonio Solsona, general counsel of the Socma Group, a legal opinion,
dated as of the Closing Date, in substantially the forms set forth in Exhibits
E-1 and E-2, respectively, to this Agreement.

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

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

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

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

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

9.       CONDITIONS TO OBLIGATIONS OF THE SOCMA GROUP

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

         9.1   Proceedings and Documents Satisfactory. All proceedings taken in
connection with the consummation of the transactions contemplated in this
Agreement and all documents and papers reasonably required in connection with
this Agreement, will be

                                       11
<PAGE>

reasonably satisfactory to the Socma Group and its counsel, and the Socma Group
and its counsel will have timely received copies of the relevant documents and
papers, all in form and substance satisfactory to the Socma Group and its
counsel, as reasonably requested by the Socma Group or its counsel, provided
that such request is essential for the completion of the transactions
contemplated in this Agreement.

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

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

         9.4   Closing Certificates. Each of EFX and Holdings will have
delivered to the Socma Group certificates, executed by the appropriate officers
or other Representatives, dated as of the Closing, certifying in such detail as
the Socma Group may request as to the fulfillment and satisfaction of the
conditions specified in Paragraphs 9.2 and 9.3.

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

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

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

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

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

                                       12
<PAGE>

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

10.      INDEMNITIES

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

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

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

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

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

         (i)   any misrepresentation, breach of warranty or breach or
nonfulfillment of any agreement of Equifax contained in this Agreement or in any
certificate, schedule, instrument or document delivered to the Socma Group by or
on behalf of Equifax pursuant to the provisions of this Agreement;

                                       13
<PAGE>

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

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

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

         10.5. Defense of Claims.

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

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

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

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

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

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

                                       14
<PAGE>

required to do so, and pay all expenses, legal or otherwise, reasonably and
necessarily incurred by the Indemnitees in the defense of any claim or Action.

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

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

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

11.      SURVIVAL.

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

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

                                       15
<PAGE>

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

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

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

12.      TERMINATION.

         12.1  Termination for Certain Causes.

               This Agreement may be terminated at any time prior to or on the
Closing Date by Equifax or by the Seller, upon written notice to the other as
follows:

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

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

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

         12.2  Procedure on and Effect of Termination.

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

         (b)   If for any reason on the Closing Date there has been
nonfulfillment of an undertaking by or covenant for Equifax or for Socma Group
not waived in writing by or on behalf of the Party in whose favor the
undertaking or covenant runs, the Party in whose favor the undertaking or
covenant runs, in addition to any other right or remedy available to it for
breach or non-performance of this Agreement, may refuse to consummate the
transactions contemplated by this Agreement without Liability or obligation on
its part whatsoever.

                                       16
<PAGE>

Notwithstanding the foregoing, the obligations of the Parties pursuant to
Paragraphs, 4.5, 4.6, 11.1, 12.1, 12.2, 13.6 and 13.7 will survive any
termination.

13.      MISCELLANEOUS.

         13.1  Notices.

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

               If to Socma Group:              Attn:  Miguel Sosa
                                               c.c. Leonardo Maffioli
                                               Av. E. Madero 940- P.14
                                               C1106ACW Buenos Aires - Argentina

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

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

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

                                       17
<PAGE>

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

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

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

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

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

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

         13.6  Dispute Resolution.

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

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

                                       18
<PAGE>

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

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

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

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

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

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

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

                                       19
<PAGE>

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

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

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

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

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

         13.12 Time of Performance. Time is of the essence.

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

                                       20
<PAGE>

14.      CERTAIN DEFINITIONS; INDEX OF DEFINITIONS

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

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

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

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

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

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

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

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

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

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

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

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

                                       21
<PAGE>

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

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

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

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

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

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

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

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

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

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

                                       22
<PAGE>

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

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

             Acquisition Price                                               1.1
             Answer Period                                                  10.5
             Arbitral Body                                                  13.6
             Closing                                                         3.1
             Closing Date                                                    3.1
             Disputed Matter                                                13.6
             EFX                                                        Preamble
             EFX Indemnitors                                                10.2
             Equifax                                                    Preamble
             Holdings                                                   Preamble
             Indemnified Losses                                             10.1
             Indemnitees                                                    10.1
             Indemnitor                                                     10.1
             Modification                                               Preamble
             Quotaholders Agreement                                     Preamble
             Quotas                                                     Preamble
             Related Parties                                                5.12
             Rules                                                          13.6
             Sanwer                                                     Preamble
             Seller                                                     Preamble
             Socma                                                      Preamble
             Socma Group                                                Preamble
             Socma Indemnitors                                              10.2
             Socma Indemnified Losses                                       10.2
             SFH                                                             2.1
             Survival Period                                                11.1
             Transaction                                                Preamble
             Unnisa                                                     Preamble
             Unnisa Quotas                                                   5.3

                                       23
<PAGE>

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

EQUIFAX PAYMENT SERVICES, INC.

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

EQUIFAX DO BRASIL HOLDINGS LTDA.

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

SOCMA AMERICANA S.A.

By: /s/ Antonio J. Solsona
    -----------------------------------
    Name: Antonio J. Solsona
          -----------------------------

By: /s/ Miguel Solsa
    -----------------------------------
    Name: Miguel Solsa
          -----------------------------

SIDECO BRASIL S.A.

By: /s/ Paula de Tanso Olveira Guimarues
    ---------------------------------------
    Name: Paula de Tanso Olverira Guimarues
          ---------------------------------

By: /s/ Manuel Bota Lima Jr.
    ---------------------------------------
    Name: Manuel Bota Lima Jr.
          --------------------------------

UNNISA-SOLUCOES EM MEIOS DE PAGAMENTO LTDA.

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

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

WITNESSES

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

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

                                       24AMENDED EMPLOYMENT AGREEMENT
                          ----------------------------

     THIS AMENDED  EMPLOYMENT  AGREEMENT (the  "Agreement")  is dated as of this
25th day of May, 2001, and is by and between Evergood  Products  Corporation,  a
Delaware corporation with an office for purposes of this Agreement at 140 Lauman
Lane, Hicksville, New York 11801 and its subsidiaries, (hereinafter collectively
the "Company" or "Employer")  and Charlotte Rich  (hereafter the "Employee") and
it amends and replaces the existing  Employment  Agreement  between Employee and
Company.

                              W I T N E S S E T H :

     WHEREAS:

     (a)  Company  still  wishes to engage the  services  of  Employee to render
services  for  and on  its  behalf  in  accordance  with  the  following  terms,
conditions and provisions; and

     (b) Employee still wishes to perform such services for and on behalf of the
Company, in accordance with the following terms conditions and provisions.

     NOW,  THEREFORE,  in  consideration  of the mutual covenants and conditions
herein  contained  and the parties  hereto  intending to be legally bound hereby
agree as follows:
<PAGE>

     1.  EMPLOYMENT.  Company hereby employs  Employee and Employee accepts such
employment  and shall perform her duties and the  responsibilities  provided for
herein in accordance with the terms and conditions of this Agreement.

     2.  EMPLOYMENT  STATUS.  Employee shall at all times be Company's  employee
subject to the terms and conditions of this Agreement.

     3. TERM.  The term of this Agreement (the "Term") shall commence on May 25,
2001, and shall terminate on January 24, 2005 (the  "Termination  Date"),  for a
total term of 4 years and 8 months,  unless earlier terminated pursuant to terms
and  provisions of this  Agreement;  and, will be extended for  additional  five
consecutive (5) year terms on terms mutually agreed to by the parties.

     4. POSITION.  During Employee's employment hereunder,  Employee shall serve
as an officer and director of the Company. In such position, Employee shall have
the  customary  powers,  responsibilities  and  authorities  of officers in such
position of corporations  of the size, type and nature of the Company  including
being generally  responsible  for the operations of Employer's  business and the
day-to-day and certain financial decisions of the Employer's business.  Employee
shall  perform  such  duties and  exercise  such  powers  commensurate  with her
position  and  responsibilities.  Neither  Employee's  title(s)  nor  any of her
functions  nor the manner in which he shall report shall be changed,  diminished

                                       2
<PAGE>

or  adversely  affected  during the Term,  as it may be  extended,  without  her
consent.  Employee  shall be provided  with an office,  staff and other  working
facilities  consistent with her positions and as required for the performance of
her duties.  In addition,  Company  agrees to cause  Employee to be nominated to
serve as a director of the Company and to use its best efforts to cause Employee
to be elected to the Board and be retained  as a director of the Company  during
Employee's employment during the Term, as it may be extended.

     5. COMPENSATION.

     (a)  For the  performance  of all of  Employee's  services  to be  rendered
pursuant to the terms of this  Agreement,  Company  will pay and  Employee  will
accept the following  compensation:  Base Salary. During the Term, Company shall
pay the Employee an initial base annual salary of $450,000  (the "Base  Salary")
payable in regular  installments  in accordance with the Company's usual payment
practices  (which  currently  is every week) and such Base  Salary  shall not be
decreased during the Term, as it may be extended.  Employee shall be entitled to
such further  increases,  if any, in her Base Salary as may be  determined  from
time to time in the sole  discretion  of the Board of  Directors  of the Company
(the  "Board");  but,  in any event,  Employee  shall be  entitled to receive an
annual  increase equal to the increase in the CPI for the New York  Metropolitan
Area on an annual basis plus three (3%) per cent.  Employee's Base Salary, as in
effect from time to time, is  hereinafter  referred to as the  "Employee's  Base
Salary".

                                       3
<PAGE>

     (b) Company  shall deduct and withhold  from  Employee's  compensation  all
necessary  or required  taxes,  including  but not  limited to Social  Security,
withholding and otherwise,  and any other applicable  amounts required by law or
any taxing authority.

     (c)  Employee  shall  be  entitled  to bonus  compensation  in the sole and
absolute discretion of the Board of Directors of the Company.

     (d) As a result of Employee's  long service to Employer and the possibility
that Employee may retire during the Term, as same may be extended, in such event
the Board of Directors in it's sole and  absolute  discretion  will enter into a
Consulting  Agreement  with  Employee in the place and stead of this  Employment
Agreement with Employee becoming a consultant  receiving a consulting fee at the
rate of $120,000  per annum plus all of the  applicable  benefits  provided  for
under this Agreement.

     6. EMPLOYEE BENEFITS.

     (a) During the Term, as it may be extended,  and so long as Employee is not

                                       4
<PAGE>

terminated  for cause  Employee  shall  receive and be provided  health and life
insurance benefits,  and during Employee's employment hereunder,  Employee shall
receive and be provided employee benefits (including without limitation,  fringe
benefits, vacation, automobile,  retirement plan participation and life, health,
accident and disability insurance, etc., (collectively, "Employee Benefits")) on
the same basis as those benefits are generally made available to the most senior
executives of the Company.  Employee  shall be entitled to receive not less than
four  weeks  vacation  per  year  and if such  vacation  time,  is not  taken by
Employee, in the then current year, Employee, at her option, may accrue vacation
or receive compensation at the then current level.

     (b) Without  limiting the  generality of the foregoing,  during  Employee's
employment  hereunder,  Company shall use its reasonable efforts to obtain, keep
in effect,  and pay premiums upon,  insurance on the life of Employee payable to
such  persons as Employee  may,  from time to time,  designate in writing to the
Company or in the event Employee fails to provide such designation, to the legal
representative of Employee's  estate. If and so long as the Company  establishes
and  maintains a group life  insurance  program  for which  Employee is eligible
without cost to Employee, benefits under such program shall offset the insurance
obligation  otherwise  provided for in this Section 6. Employee agrees to submit
to any  physical  examination  required  by any  prospective  insurer,  and will
otherwise  cooperate  with the Company in connection  with any life insurance on
Employee's life the Company may wish to obtain.  If Employee is determined to be
suffering  from a congenital  defect or other  illness or condition  which would
preclude  the Company from  obtaining  such  insurance  at a cost  substantially
equivalent to the cost of obtaining such  insurance for a healthy  individual of

                                       5
<PAGE>
Employee's  age and gender,  Employee shall have the option to cause the Company
to obtain such  insurance  with  Employee  paying the excess  premium above that
which  the  Company  would  have  been  responsible  for had  Employee  not been
suffering  from such  defect,  illness or  condition,  and if Employee  does not
exercise such option in a timely fashion,  the Company shall purchase the amount
of insurance,  if any, that can be purchased at a cost substantially  equivalent
to the cost of obtaining such  insurance for a healthy  individual of Employee's
age and gender.  In the event that  Employee  does not qualify for any such life
insurance,  Company  shall pay  directly  to  Employee  an amount  equal to such
premiums that Company  would have paid to any  insurance  company to obtain such
life insurance on an annual basis.

     (c) At the  Company's  sole expense,  Employee's  travel for the Company on
business shall be paid for by the Company, portal to portal.

     (d) In  addition  to the  benefits  for which  Employee  shall be  eligible
pursuant  to  paragraph  (a) above,  Company  shall  procure  and  maintain,  if
reasonably  obtainable,  at its  cost,  catastrophic  health  insurance  for the
benefit of  Employee;  provided,  Employee  shall be  insurable  for such health
insurance at reasonable and customary  rates.  Employee  agrees to submit to any
physical  examination  required by any prospective  insurer,  and will otherwise

                                       6
<PAGE>

cooperate with the Company in connection  with obtaining such health  insurance.
If Employee is  determined  to be suffering  from a  congenital  defect or other
illness or  condition  which would  preclude  the Company  from  obtaining  such
insurance  at a cost  substantially  equivalent  to the cost of  obtaining  such
insurance for a healthy  individual of Employee's age and gender  Employee shall
have the option to cause the  Company to obtain  such  insurance  with  Employee
paying  the  excess  premium  above  that  which the  Company,  would  have been
responsible  for had Employee not been  suffering  from such defect,  illness or
condition,  and if Employee does not exercise  such option in a timely  fashion,
the  Company  shall  purchase  the  amount  of  insurance,  if any,  that can be
purchased  at a cost  substantially  equivalent  to the cost of  obtaining  such
insurance for a healthy individual of Employee's age and gender.

     7. BUSINESS EXPENSES AND PERQUISITES.

     (a) Reasonable  travel,  entertainment and other business expenses incurred
by Employee in the  performance of his duties  hereunder  shall be reimbursed by
the Company in accordance with Company  policies as in effect from time to time.
In  addition,  Employee  shall  be  entitled  to use,  in  connection  with  his
performance of services hereunder, transportation services of a car.

                                       7
<PAGE>

     (b) Company  shall  provide to  Employee a new  automobile,  including  all
related  maintenance,  repairs,  insurance,  parking and other  costs.  The base
annual automobile rental expense shall not exceed $12,000 per annum.

     8. TERMINATION.

     (a) For Cause by the Company.  (i) Employee's  employment  hereunder may be
terminated  by the Company for cause.  For purposes of this  Agreement,  "cause"
shall  mean (i)  Employee's  unjustified  failure  to  perform  his(her)  duties
hereunder  or to follow  reasonable  directions  of the Board within 20 business
days after receipt of written  notice by Employee of such failure,  (ii) willful
misconduct  by Employee in  connection  with his  employment,  (iii)  Employee's
conviction of, or plea of nolo  contendere  to, any crime  constituting a felony
under the laws of the United  States or any State  thereof,  or (iv)  Employee's
material  breach of any of the  material  provisions  of this  Agreement,  which
breach  Employee  has failed to cure  within 20 business  days after  receipt of
written notice by Employee of such breach or which breach Employee has failed to
begin to attempt to cure  during said 20 day period if the breach is not curable
during the 20 day period.  Termination of Employee's employment pursuant to this
Section  8(a) shall be made by delivery  to  Employee of a copy of a  resolution
duly adopted by the affirmative vote of not less than a majority of the Board at

                                       8
<PAGE>
an actual  meeting of the Board called and held for that purpose  (after 30 days
prior written notice to Employee and a reasonable opportunity for Employee to be
heard  before  the - Board  prior to such vote)  finding  that in the good faith
judgment  of the  Board,  Employee  was  guilty of  conduct  set forth in any of
clauses (i) through (iv) above and specifying the particulars thereof.

     (ii) If  Employee is  terminated  for cause,  he(she)  shall be entitled to
receive  Employee's  Base Salary from  Company for a period of one (1) year from
the date of  termination.  All other  benefits,  if any, due Employee  following
Employee's  termination of employment pursuant to this Subsection 8 (a) shall be
determined in accordance  with the plans,  policies and practices of the Company
for most senior executives.

     (b)  Disability  or  Death.  (i)  Employee's   employment  hereunder  shall
terminate  upon  his/her  death or if Employee  becomes  physically  or mentally
incapacitated  and is therefore unable (or will as a result thereof,  be unable)
for a period of six (6)  consecutive  months or for an  aggregate of twelve (12)
months in any twenty-four  (24)  consecutive  month period to perform his duties
(such  incapacity  is  hereinafter  referred  to as  "Disability").  If  Company
terminates  Employee's employment under the terms of this Agreement and Employee
does not receive  disability  insurance  payments  under the terms  hereof in an
amount,  at least, of $25,000 per month pursuant to a policy maintained and paid

                                       9
<PAGE>

for by the Company,  Company  shall be  responsible  to continue to pay Employee
Base Salary during the Term.  Any question as to the existence of the Disability
of  Employee  as to  which  Employee  and the  Company  cannot  agree  shall  be
determined in writing by a qualified  independent  physician mutually acceptable
to Employee  and the Company.  If Employee and the Company  cannot agree as to a
qualified independent  physician,  each shall appoint such a physician and those
two  physicians  shall  select a third who  shall  make  such  determination  in
writing.  The  determination  of  Disability  made in writing to the Company and
Employee shall be final and conclusive for all purposes of the Agreement.

     (ii) Upon  termination of Employee's  employment  hereunder during the Term
for  Disability,  Employee shall receive from the Company 50% of Employee's Base
Salary through the end of the Term and that amount equivalent to 50% of the last
bonus received by Employee under the terms of this Agreement times the number of
years remaining in the Term.  Employee shall be entitled to no further  payments
of Employee's Base Salary under this Agreement,  provided that any payment under
this Section 8(b)(ii) shall be reduced by the amount of any disability  benefits
paid to  Employee  under any  other  disability  plan,  program  or  arrangement
maintained and paid for by the Company or its affiliates.

                                       10
<PAGE>

     (iii) Upon termination of Employee's  employment hereunder during the Term,
as it may be  extended,  as a  result  of  death,  Employee's  estate  or  named
beneficiary(ies)  shall receive from the Company (x)  Employee's  Base Salary at
the rate in effect at the time of Employee's  death through the end of the sixth
month  after  the month in which his death  occurs  and pro rata  bonus  paid to
Employee during the immediately preceding year of the Term, and (y) the proceeds
of any life insurance policy  maintained for his benefit by the Company pursuant
to Section 6(b) under this Agreement.

     (iv)  All  other  benefits,  if  any,  due  Employee  following  Employee's
termination of employment  pursuant to this  Subsection 8(b) shall be determined
in accordance with the plans, policies and practices of the Company and shall be
at least equal to those  received by the most  senior  executives  and no senior
executive shall receive any fringe benefit that Employee does not receive.

     (c) Without Cause by the Company or For Good Reason.

     (i) If Employee's  employment  is  terminated by the Company  without cause
(other  than by reason of  Disability  or death) or  Employee  resigns  for good
reason,  in either case prior to a Change of  Control,  then  Employee  shall be
entitled to a lump sum cash  payment from the  Company,  payable  within 10 days
after such termination of employment,  in an amount equal to the greater of 2.49
times the sum of Employee's Base Salary and immediately prior year's bonus as in
effect as of the date of such  termination  of  employment  or  Employee's  Base
Salary and immediately prior year's bonus payable for the balance of the Term on

                                       11
<PAGE>

the basis of Employee's  most recent year  Employee's  Base Salary and the bonus
received.  All  other  benefits,  if  any,  due  Employee  following  Employee's
termination  of  employment   pursuant  to  this  Subsection  8(c)(i)  shall  be
determined in accordance  with the plans,  policies and practices of the Company
and shall be at least equal to those received by the most senior  executives and
no senior  executive  shall  receive any fringe  benefit that  Employee does not
receive.

     (ii) If there is a Change of Control within one (1) year of the termination
of this  Agreement  without cause by the Company,  Employee shall be entitled to
receive the  difference  between  those  monies he actually  received  upon such
termination and 2.99 times  Employee's base amount as defined in Section 280G(b)
(3) of the Internal Revenue Code of 1986, as amended (the "Code") (the "Employee
Base Amount").

     (iii) Subject to Section  8(f),  if Employee's  employment is terminated by
the Company  without  cause or by Employee  for good reason  during the Term and
coincident with or following a Change of Control,  Employee shall be entitled to
a lump sum payment, payable within 10 days after such termination of employment,
equal to the product of (x) 2.99 times (y) the Employee Base Amount.

     (iv) For purposes of this  Agreement,  "Good  Reason"  shall mean:

                                       12
<PAGE>
     (a)  Any breach by the Company of this Agreement; or

     (b)  The Company's  failure to nominate and use its  reasonable  efforts to
          cause  Employee  to be elected to the Board  and/or be  retained  as a
          director during Employee's employment hereunder,

provided that the foregoing events shall not be deemed to constitute Good Reason
unless  Employee  shall have notified the Board in writing of the  occurrence of
such  event(s)  and the Board shall have  failed to have cured or remedied  such
event; and

     (c) within 20 business days of its receipt of such written  notice or which
breach Employer has failed to begin to attempt to cure during said 20 day period
if the breach is not curable during the 20 day period.

     (d) Termination by Employee. If Employee terminates his employment with the
Company for any reason  (other than for Good Reason)  during the Term,  Employee
shall be entitled to the same payments he would have received if his  employment
had been terminated by the Company for cause.

     (e) Change of Control. For purposes of this Agreement,  "Change of Control"
shall mean (i) any  transaction or series of  transactions  (including,  without
limitation, a tender offer, merger or consolidation) the result of which is that
any  "person" or "group"  (within the meaning of Sections  13(d) and 14(d)(2) of
the Securities  Exchange Act of 1934, as amended (the "Exchange  Act"),  becomes

                                       13
<PAGE>

the  "beneficial"  owners (as  defined  in Rule 13 (d) (3) under the  Securities
Exchange  Act of 1934) of more  than 50  percent  (50%) of the  total  aggregate
voting power of all classes of the voting stock of the Company  and/or  warrants
or options to acquire such voting stock,  calculated  on a fully diluted  basis,
(ii) during any period of two consecutive calendar years, individuals who at the
beginning of such period  constituted the Board (together with any new directors
whose  election by the Board or whose  nomination  for election by the Company's
stockholders was approved by a vote of at least two-thirds of the directors then
still in office who either were  directors  at the  beginning  of such period or
whose election or nomination for election was previously so approved)  cease for
any reason to constitute a majority of the directors then in office,  or (iii) a
sale of assets  constituting  all.  or  substantially  all of the  assets of the
Company  (determined  on a consolidated  basis).  In the event of such Change of
Control, the new entity shall be obligated to assume the terms and conditions of
this Agreement.

     (f) Limitation on Certain Payments.

     (i) In the event it is determined  pursuant to clause (ii) below, that part
or all of the  consideration,  compensation  or  benefits to be paid to Employee
under this  Agreement in connection  with  Employee's  termination of employment
following a Change of Control or under any other plan,  arrangement or agreement

                                       14
<PAGE>

in connection  therewith,  constitutes a "parachute payment" (or payments) under
Section  28OG(b)(2) of the Code,  then,  of the aggregate  present value of such
parachute payments (the "Parachute Amount") exceeds 2.99 times the Employee Base
Amount, the amounts  constituting  "parachute payments" which would otherwise be
payable  to or for the  benefit  of  Employee  shall be  reduced  to the  extent
necessary  such that the  Parachute  Amount is equal to 2.99 times the  Employee
Base Amount.  Employee  shall have the right to choose which  amounts that would
otherwise be due him but for the  limitations  described in this paragraph shall
be subject to reduction. Notwithstanding the foregoing, if it is determined that
stockholder  approval of the payment of such,  compensation  and  benefits  will
reduce the  applicability of Section 280G of the Code to such payment,  promptly
after request by Employee,  Company will  undertake  reasonable  efforts to hold
such a meeting to obtain such  approval or to solicit  such  approval by written
consent, and to obtain such approval.

     (ii) Any determination  that a payment  constitutes a parachute payment and
any calculation described in this Section 8 (f) ("Determination")  shall be made
by the independent  public  accountants  for the Company,  and may, at Company's
election,  be made prior to termination of Employee's  employment  where Company
determines that a Change in Control, as provided in this Section 8, is imminent.
Such Determination shall be furnished in writing no later than 30 days following

                                       15
<PAGE>

the date of the Change in Control by the  accountants  to Employee.  If Employee
does not agree  with such  Determination,  he may give  notice  as  provided  in
Section  13(j) below  within ten days of receipt of the  Determination  from the
accountants  and, within 15 days  thereafter,  accountants of Employee's  choice
must deliver to the Company their  Determination that in their judgment complies
with the Code. If the two accountants cannot agree upon the amount to be paid to
Employee  pursuant  to this  Section 8 within  ten days of the  delivery  of the
statement of Employee's  accountants to the Company,  the two accountants  shall
choose  a  third  accountant  who  shall  deliver  their  determination  of  the
appropriate  amount to be paid to Employee  pursuant to this Section 8(f), which
determination  shall be  final.  If the  final  Determination  provides  for the
payment  of a  greater  amount  than that  proposed  by the  accountants  of the
Company,  then  the  Company  shall  pay all of  Employee's  costs  incurred  in
contesting such  Determination  and all other costs incurred by the Company with
respect to such Determination.

     (iii) If the final  Determination  made  pursuant  to  Clause  (ii) of this
Section 8(f) results in a reduction of the payments that would otherwise be paid
to  Employee  except for the  application  of Clause (i) of this  Section  8(f),
Employee  may then  elect,  in his sole  discretion,  which  and how much of any
particular  entitlement  shall be  eliminated  or reduced  and shall  advise the

                                       16
<PAGE>

Company in writing of his election within ten days of the final Determination of
the reduction in payments.  If no such election is made by Employee  within such
ten-day  period,  the Company  may elect  which and how much of any  entitlement
shall be  eliminated  or reduced  and shall  notify  Employee  promptly  of such
election.  Within  ten  days  following  such  Determination  and the  elections
hereunder,  the  Company  shall pay to or  distribute  to or for the  benefit of
Employee such amounts as are then due to Employee under this Agreement and shall
promptly  pay to or  distribute  to or for the benefit of Employee in the future
such amounts as become due to Employee under this Agreement.

     (iv) As a result of the uncertainty in the application of Section 28O(G) of
the Code at the time of a determination  hereunder, it is possible that payments
will be made by the Company  which should not have been made under clause (i) of
this Section 8(f) ("Overpayment") or that additional payments which are not made
by the  Company  pursuant  to Clause (i) of this  Section 8 (f) should have been
made  ("Underpayment")  In the event that there is a final  determination by the
Internal  Revenue  Service,  or a final  determination  by a court of  competent

                                       17
<PAGE>

jurisdiction,  that an overpayment has been made, any such Overpayment  shall be
treated for all purposes as a loan to Employee which Employee shall repay to the
Company  together with interest at the  applicable  Federal rate provided for in
Section 7872(f)(2) of the Code. In the event that there is a final determination
by the Internal Revenue Service,  a final  determination by a court of competent
jurisdiction  or a change in the provisions of the Code or regulations  pursuant
to which an  Underpayment  arises under this  Agreement,  any such  Underpayment
shall  be  promptly  paid by the  Company  to or for the  benefit  of  Employee,
together  with interest at the  applicable  Federal rate provided for in Section
7872(f)(2) of the Code.

     9. NON-DISCLOSURE OF INFORMATION.  Employee  acknowledges that by virtue of
his position he will be privy to the Company's  trade secrets  including but not
limited to Company's customers list and private processes, as they may exist or,
as Company may determine  from time to time, and that such secrets are valuable,
special,  and unique assets of Company's  business and  constitute  confidential
information and trade secrets of Employee (hereafter collectively  "Confidential
Information")  Employee  shall not,  during the Term and for a period of six (6)
months  thereafter,  intentionally  disclose all or any part of the Confidential
Information to any person,  firm,  corporation,  association or any other entity
for any reason or purpose  whatsoever,  nor shall  Employee and any other person
by, through or with Employee, during the Term and for a period of six (6) months
thereafter,  intentionally  make use of any of the Confidential  Information for

                                    18
<PAGE>

any  purpose  or for the  benefit  of any other  person or  entity,  other  than
Company,  under  any  circumstances.  For a period of six (6)  months  after the
termination of this Agreement,  Employee shall not intentionally take any action
which in any manner  shall be  injurious  to the  Company.  Company and Employee
agree that a violation of the foregoing  covenants will cause irreparable injury
to the  Company,  and that in the  event of a breach  or  threatened  breach  by
Employee of the  provisions  of this  Section,  Company  shall be entitled to an
injunction restraining Employee from:

     (a) Disclosing, in whole or in part, any Confidential Information,  or from
rendering any services to any person,  firm,  corporation,  association or other
entity to whom any such information,  in whole or in part, has been disclosed or
is threatened to be disclosed in violation of this Agreement.

     (b)  Continuing  such  injurious  actions.  Nothing  herein stated shall be
construed  as  prohibiting  the  Company  from  pursuing  any other  rights  and
remedies,  at law or in equity,  available  to the  Company  for such  breach or
threatened breach, including the recovery of damages from the Employee.

     10. RESTRICTIVE COVENANT.

     (a) For a period of six (6) months after the  termination of this Agreement
by Employer without cause and for a period of one (1) year after the termination
of this Agreement by Employer or Employee for any other reason, or expiration of

                                       19
<PAGE>

this Agreement,  Employee covenants and agrees that, within a radius of ten (10)
miles from each of the then present place(s) of Company's  business or any other
area in which Company is engaged in business, he shall not own, manage, operate,
control,  be employed by, participate in, or be connected in any manner with the
ownership, management, operation, or control, whether directly or indirectly, as
an  individual  on his own account,  or as a partner,  member,  joint  venturer,
officer,  director or  shareholder  of a  corporation  or other  entity,  of any
business  similar  to or  competitive  with the type of  business  conducted  by
Company at the time of the termination or expiration of this Agreement.

     (b) For a period of six (6) months after the  termination of this Agreement
by Employer without cause and for a period of one (1) year after the termination
of this Agreement by Employer or Employee for any other reason, or expiration of
this  Agreement,  Employee  further  covenants and agrees he shall not interfere
with,  solicit or disrupt or attempt to interfere  with,  solicit or disrupt the
relationship,  contractual  or  otherwise,  between  Company  and any  customer,
supplier, lessee or employee of Company, its parent or subsidiaries.

     (c) Employee acknowledges that the restrictions contained in this Paragraph
10 are  reasonable.  In that regard,  it is the intention of the parties to this
Agreement  that the  provisions  of this  Paragraph  8 shall be  enforced to the
fullest  extent  permissible  under the law and  public  policy  applied in each
Jurisdiction in which enforcement is sought. Accordingly, if any portion of this

                                       20
<PAGE>

Paragraph 10 shall be adjudicated or deemed to be invalid or unenforceable,  the
remaining  portions  shall remain in full force and effect,  and such invalid or
unenforceable  portion shall be limited to the particular  jurisdiction in which
such adjudication is made.

     11.  BREACH OR THREATENED  BREACH OF COVENANTS.  In the event of Employee's
actual or threatened  breach of his obligations  under either Paragraph 9 or 10,
or both, of this  Agreement,  or Company's  breach or threatened  breach of it's
obligations under this Agreement, in addition to any other remedies either party
may have, such party shall be entitled to obtain a temporary  restraining  order
and a  preliminary  and/or  permanent  injunction  restraining  the  other  from
violating  these  provisions.  Nothing in this  Agreement  shall be construed to
prohibit  Company or Employee,  as the case may be, from  pursuing and obtaining
any other available remedies which Company or Employee,  as the case may be, may
have  for  such  breach  or  threatened  breach,  whether  at law or in  equity,
including the recovery of damages from the other.

     12.  REPRESENTATIONS  AND WARRANTIES BY EMPLOYEE.  Employee hereby warrants
and represents that he is not subject to or a party to any restrictive covenants
or other  agreements that in any way preclude,  restrict,  restrain or limit him

                                       21
<PAGE>

(a) from being an  Employee  of Company,  (b) from  engaging in the  business of
Company in any capacity,  directly or  indirectly,  and from  competing with any
other  persons,  companies,  businesses  or entities  engaged in the business of
Company.

     13.  ARBITRATION.  Any  controversy  or claim arising out of or relating to
this Agreement, the performance thereof or its breach or threatened breach shall
be  settled  by  arbitration  in the  State of New  York,  County of New York in
accordance   with  the  then  governing   rules  of  the  American   Arbitration
Association.  The finding of the arbitration  panel or arbitrator shall be final
and binding upon the parties.  Judgment upon any arbitration  award rendered may
be entered and enforced in any court of competent jurisdiction.  In no event may
the arbitration  determination change Employee's compensation,  title, duties or
responsibilities,  the entity to whom Employee  reports or the  principal  place
where Employee is to render his services.

     14. NOTICES.  Any notice  required,  permitted or desired to be given under
this  Agreement  shall be  sufficient  if it is in  writing  and (a)  personally
delivered to Employee or an authorized member of Company,  (b) sent by overnight
delivery, or (c) sent by registered or certified mail, return receipt requested,
to  Employer's  or  Employee's  address as  provided in this  Agreement  or to a
different address designated in writing by either party.  Notice is deemed given
on the day it is  delivered  personally  or by overnight  delivery,  or five (5)
business  days after it is received,  if  transmitted  by the United States Post
Office.

                                       22
<PAGE>

     15.  ASSIGNMENT.  Employee  acknowledges  that his  services are unique and
personal.  Accordingly,  Employee  may not assign  his(her)  rights or  delegate
his(her)  duties or  obligations  under  this  Agreement.  Company's  rights and
obligations  under this  Agreement  shall  inure to the  benefit of and shall be
binding upon the  Company's  successors  and  assigns.  Company has the absolute
right to assign it's rights and benefits under the terms of this Agreement.

     16.  WAIVER  OF  BREACH.  Any  waiver of a breach  of a  provision  of this
Agreement, or any delay or failure to exercise a right under a provision of this
Agreement,  by either  party,  shall not operate or be  construed as a waiver of
that or any other subsequent breach or right.

     17. ENTIRE AGREEMENT.  This Agreement  contains the entire agreement of the
parties.  It may not be changed orally but only by an agreement in writing which
is signed by the parties.  The parties hereto agree that any existing employment
agreement between them shall terminate as of the date of this Agreement.

     18. GOVERNING LAW. This Agreement shall be construed in accordance with and
governed by the internal laws of the State of New York.

     19. SEVERABILITY.  The invalidity or non-enforceability of any provision of
this Agreement or application  thereof shall not affect the remaining  valid and
enforceable provisions of this Agreement or application thereof.

                                       23
<PAGE>

     20.  CAPTIONS.  Captions in this Agreement are inserted only as a matter of
convenience  and  reference  and shall not be used to  interpret or construe any
provisions of this Agreement.

     21.  GRAMMATICAL  USAGE.  In construing  or  interpreting  this  Agreement,
masculine  usage shall be substituted for those feminine in form and vice versa,
and plural usage shall be substituted  or singular and vice versa,  in any place
in which the context so requires.

     22.  CAPACITY.  Employee has read and is familiar with all of the terms and
conditions  of this  Agreement  and has the  capacity to  understand  such terms
conditions  hereof. By executing this Agreement,  Employee agrees to be bound by
this Agreement and the terms and conditions hereof.

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

     24. LEGAL FEES.  Company agrees to reimburse Employee for any and all legal
expenses  incurred by Employee in connection  with the negotiation and execution
of this Agreement.

                                       24
<PAGE>

     IN WITNESS WHEREOF,  each of the parties hereto has executed this Agreement
as of the date first hereinabove written.

                                 EVERGOOD PRODUCTS CORPORATION

                                 By: /s/Mel Rich
                                     ------------------------
                                     Its President - Mel Rich

                                 Employee:

                                     /s/Charlotte Rich
                                     ------------------------
                                     Charlotte Rich

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