Document:

FORM OF

                                  EQUIFAX INC.

                         EXECUTIVE LIFE AND SUPPLEMENTAL

                         RETIREMENT BENEFIT PLAN (U.S.)

                      SPLIT DOLLAR LIFE INSURANCE AGREEMENT

         This Split Dollar Life Insurance Agreement is established and effective
between Equifax Inc., a corporation organized and existing under the laws of the
State   of   Georgia   (the   "Company"),    ______________________   and   (the
"Participant"), a Key Employee and Executive of the Company as of the 1st day of
January, 2000 (the "Commencement Date").

                                   WITNESSETH:

         WHEREAS, in the course of the Participant's employment, the Participant
has acquired experience and knowledge of considerable value to the Company; and,

         WHEREAS,  the Company wishes to continue this  employment  relationship
and,  as an  inducement  thereto,  is  willing to make  contributions  to a life
insurance  policy (the "Policy")  issued by Pacific Life Insurance  Company (the
"Insurer") as an  additional  form of  compensation  to the  Participant  as its
employee; and,

         WHEREAS, the Participant is willing to receive and own a life insurance
policy on the Participant's life; and,

         WHEREAS, in exchange for such contributions, the Participant has agreed
to participate in the Equifax Inc.  Executive Life and  Supplemental  Retirement
Benefit Plan (U.S.) (the "Plan"), which consists of the Plan document, Questions
and  Answers,  this  Agreement  and the  Collateral  Assignment,  to the  extent
provided herein; and,

         WHEREAS,  the Participant  shall freely undertake such reasonable steps
necessary to institute his  participation in the Plan,  including the assignment
to the Company of an interest in the Policy as provided herein.

         NOW  THEREFORE,  in  consideration  of the  foregoing  and  the  mutual
covenants  contained herein,  the Company and the Participant  mutually agree as
follows:

                                    ARTICLE I
                               PURPOSE OF THE PLAN

         The Plan is intended to qualify as a life  insurance  employee  benefit
plan as  described  in  Revenue  Ruling  64-328,  C.B.  1964-2,  11. The Plan is
established  for the  purpose of  providing  life  insurance  protection  and is
intended to be an  employee  welfare  benefit  plan of the  Employee  Retirement
Income Security Act of 1974  ("ERISA").  The Plan is established for the purpose
of  providing  life  insurance  protection  for a member  of a  select  group of
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management or highly compensated  employees of the Company and is intended to be
an unfunded or insured  welfare  benefit plan within the meaning of the Employee
Retirement Income Security Act of 1974 ("ERISA").

                                   ARTICLE II
                                  POLICY AMOUNT

         The  Participant  shall  purchase the Policy on [his/her] life from the
Insurer  in the face  amount  appropriate  to  provide  at least  the sum of the
Scheduled  Death Benefit and an amount equal to the Company's  Contributions  to
the Policy as identified in Exhibit "A" attached hereto and made a part hereof.

                                   ARTICLE III
                                POLICY INTERESTS

III.1    The  Participant  shall be the owner of the Policy and shall  assign to
         the Company an interest in the Policy as  determined  in Paragraph  3.3
         (the "Company's Collateral Interest").

III.2    For  purposes of this Plan,  the term "Cash  Value" shall mean the cash
         surrender  value of the Policy as defined in the Insurer's  policy form
         (the  "Insurer's  Policy") as identified in Exhibit "A" attached hereto
         and made a part hereof.

III.3    Except  as  provided  in  the  following  sentence,   for  purposes  of
         termination of this Agreement  prior to the Rollout Date (in accordance
         with Paragraph  12.1), the Company's  Collateral  Interest shall be the
         Cash Value,  but not in excess of the  Company's  contributions  to the
         Policy.  Notwithstanding the foregoing,  in the event of termination of
         the  Participant's  employment by the Company for Cause, or termination
         prior to the third anniversary of the Commencement  Date, the Company's
         Collateral Interest shall be the entire Cash Value of the Policy.

III.4    For  purposes  of  termination  of  this  Agreement  by  reason  of the
         Participant's  death (in accordance with Paragraph  12.2),  the Company
         shall be entitled to the Policy death benefit in an amount equal to the
         Company's Collateral Interest,  which in such event shall be the excess
         of the Policy Death  benefit  over the  Participant's  Scheduled  Death
         Benefit described in Exhibit A.

III.5    The existence of the Company's  Collateral  Interest shall be evidenced
         by  filing  with the  Insurer  an  assignment  in a form  accepted  and
         required by the Insurer (the "Assignment").

III.6    The Participant's  Policy Interest shall be the Cash Value or the death
         benefit,  as  appropriate,   in  excess  of  the  Company's  Collateral
         Interest.

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                                   ARTICLE IV
                             INCIDENTS OF OWNERSHIP

IV.1     The  Participant  shall  have  full  incidents  of  ownership  over the
         Participant's  Policy  Interest as provided  in the  Insurer's  Policy;
         nonetheless, the Participant has agreed in this Agreement and confirmed
         by the  Assignment  that the Company has certain rights with respect to
         the Policy.

IV.2     The  Participant  hereby  assigns to the  Company the right to exercise
         certain incidents of ownership over the Policy to protect the Company's
         Collateral Interest, including the right to borrow or withdraw from the
         Policy  to the  extent  of its  Collateral  Interest  until  the  third
         anniversary of the Participant's  Commencement Date, and thereafter, as
         provided in this Agreement and in the  Assignment,  including the right
         to  receive  all  or a  portion  of  the  death  benefit  equal  to its
         Collateral Interest, so long as those incidents of ownership are not in
         contradiction  to,  or in  addition  to,  the  incidents  of  ownership
         provided  in the  Insurer's  Policy.  In the  event of  termination  of
         employment by the Company for Cause, either before, or after said third
         anniversary,  the Company shall  nonetheless be entitled to recover its
         entire Collateral Interest to the extent of any Cash Value.

IV.3     Neither  the  Company  nor the  Participant  shall take any action that
         would  jeopardize  the  interests  of the other  party  under the Plan,
         except  that  the  Company  shall  have  total  discretion  to amend or
         terminate the Plan,  including this Agreement,  at any time as provided
         in Article X below,  regardless of its  potential  future effect on the
         Participant's interest.

                                    ARTICLE V
                               PAYMENT OF PREMIUMS

                  During the  continuation  of this  Agreement and the Plan, the
         Company agrees to remit to the Insurer the scheduled annual premium due
         in a timely  manner at the beginning of each Policy year and before the
         expiration of the grace period.

                                   ARTICLE VI
                           ASSIGNMENT OF THE AGREEMENT

         Either of the  parties  to this  Agreement  may  assign  their  rights,
interest and/or obligations under this Agreement,  provided,  however,  that any
assignment  shall be made  subject to all terms and  provisions  of the Plan and
this Agreement.

                                       3
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                                   ARTICLE VII
                           INVESTMENT OF POLICY ASSETS

VII.1    The  Company  shall  have the  authority  to  exercise  all  investment
         direction  rights  under the Policy as to the Policy's  cash  surrender
         value until the third  anniversary  of the  Participant's  Commencement
         Date.

VII.2    Commencing on the third anniversary of the  Participant's  Commencement
         Date,  the  Participant  shall  have  the  authority  to  exercise  all
         investment  direction  rights under the Policy as to the Policy's  Cash
         Value.  In  the  event  that  the  Company,  in  its  sole  discretion,
         determines  that it is  necessary  to do so in  order  to  protect  its
         Collateral  Interest,  the Company may assume said investment authority
         with  respect to its  Collateral  Interest  after ten (10) days written
         notice to Participant.

                                  ARTICLE VIII
                                  POLICY LOANS

VIII.1   The Company may borrow from the Cash Value of the Policy, or pledge the
         Policy,  according to the Policy  provisions,  provided  that after the
         third anniversary of the Participant's commencement of participation in
         the Plan,  the amount  which may be  borrowed or pledged by the Company
         shall not exceed the Company's Collateral Interest.

VIII.2   Commencing on the third anniversary of the  Participant's  Commencement
         Date, the  Participant may borrow against the Cash Value of the Policy,
         but not in excess of 50% of the Cash  Value in excess of the  Company's
         Collateral Interest, determined at the time of the loan.

                                   ARTICLE IX
                        RECOVERY OF COMPANY CONTRIBUTIONS

IX.1     The Company  shall have the right to recover its  contributions  to the
         Policy at any time to the extent of the Cash Value. It is the Company's
         intention,  however,  to withdraw an amount equal to its contributions,
         unadjusted for earnings or losses,  on the "Rollout  Date," which shall
         be the earliest to occur of the following events:

(a)               The   later   of  (i)  the   fifteenth   anniversary   of  the
                  Participant's   Commencement   Date,  or  (ii)   Participant's
                  attainment of age sixty (60);

(b)               The Participant's voluntary termination of employment from the
                  Company  other  than for (i)  retirement  or (ii) Good  Reason
                  after a Change in Control of the Company;

(c)               Termination of the Participant's employment by the Company for
                  Cause;

                                       4
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(d)               The Participant's  engagement in Competitive Activity or other
                  activity  harmful to the Company during the year following his
                  termination of employment; or

(e)               Termination of the Plan or this Agreement.

The terms Change in Control,  Competitive  Activity,  Good Reason, and Cause are
defined in the Plan document.

                                    ARTICLE X
                           AMENDMENT OF THE AGREEMENT

         This  Agreement  and the Plan may be amended by the Company at any time
in its sole  discretion,  subject to any  restrictions on the power of amendment
contained in the Plan document;  provided,  however,  that any amendment to this
Agreement  which  imposes new  responsibilities  on the  Participant  must be by
mutual  agreement of the Participant and the Company and such amendment shall be
in writing and signed by the Participant and the Company.

                                   ARTICLE XI
                      MERGER AND REORGANIZATION OF COMPANY

         In the event of the Company's merger, consolidation,  or reorganization
of its business  activities with any other company or organization,  the Company
will use its best  efforts  to insure  that the other  company  or  organization
agrees  to  assume  all  obligations  of the  Company  under  the  Plan and this
Agreement.

                                   ARTICLE XII
                            TERMINATION OF AGREEMENT

XII.1    This Agreement may be terminated,  subject to Paragraphs (a) and (b) of
         this Section 12.1 below, at the Rollout Date, or, in the Company's sole
         discretion, at any earlier or later date. Termination of this Agreement
         shall be evidenced by a writing  signed by the Company and delivered to
         the Participant.

(a)               In the event of  termination  of this Agreement as provided in
                  this Paragraph 12.1, the Participant shall have the obligation
                  to repay the Company within 60 days of the date of termination
                  an amount equal to the Company's  Collateral Interest less any
                  Policy  indebtedness  to the Insurer,  or other  indebtedness,
                  incurred  by  the   Company  and  secured  by  the   Company's
                  Collateral  Interest  and  less  any  partial  surrender,   or
                  withdrawal, taken by the Company from the Company's Collateral
                  Interest.

                  If this  Agreement is terminated  under this  Paragraph (a) of
                  this  Paragraph  12.1,  upon receipt of an amount equal to its
                  Collateral  Interest from the  Participant,  the Company shall

                                       5
<PAGE>

                  take all steps  necessary to release the Assignment  such that
                  the Company's Collateral Interest comes under the full control
                  of the  Participant  and the Company no longer has any rights,
                  interest, and/or obligations, whatsoever, under the Policy.

(b)               If the  Participant  fails to repay said amount to the Company
                  within 30 days of the date of  termination  of this  Agreement
                  pursuant to the provisions of Paragraph  12.1(a),  the Company
                  may execute its rights  pursuant to the Collateral  Assignment
                  to recover the entire amount of its Collateral Interest.

XII.2    This Plan may be terminated in the event of the death of the Insured by
         the receipt by the Company of an amount of death  benefit  equal to (i)
         the Company's  Collateral  Interest (less any Policy  indebtedness,  or
         other  indebtedness,  incurred by the  Company and secured  against the
         Company's  Collateral  Interest  and less  any  partial  surrender,  or
         withdrawal,   taken  by  the  Company  from  the  Company's  Collateral
         Interest)  plus (ii) any amount of the  remaining  death  benefit which
         exceeds the Participant's scheduled death benefit referenced on Exhibit
         A.

                                  ARTICLE XIII
                           NOT AN EMPLOYMENT CONTRACT

         The  Plan,  which  includes  this  Agreement,   is  strictly  voluntary
undertakings on the part of the Company and shall not be deemed to constitute an
employment  contract between the Company and the Participant.  Nothing contained
in the Plan shall be deemed to give the  Participant the right to be retained in
the  employ of the  Company  or to  interfere  with the right of the  Company to
discharge the Participant at any time.

                                   ARTICLE XIV
                               INSURER PROTECTION

XIV.1    The  Insurer  shall be bound  only by the terms and  provisions  of its
         Policy and by the terms and provisions of the  Assignment,  but only if
         that  Assignment  is  made in a form  acceptable  and  required  by the
         Insurer and duly filed with the Insurer.  Any payments  made or actions
         taken by the Insurer in accordance  with the Policy and the  Assignment
         shall  fully  discharge  it from all  claims,  suits and demands of all
         persons  whatsoever.  The  Insurer  shall  in no way be  bound by or be
         deemed to have notice of the terms and provisions, or any other rights,
         duties, obligations, or conditions of the Plan or this Agreement.

XIV.2    No term or  provision  herein shall be construed or deemed to grant any
         right to the Insurer to demand  payment of any premium as a third-party
         beneficiary of the Plan or otherwise.

                                       6
<PAGE>

                                   ARTICLE XV
                        PAROL EVIDENCE AND GOVERNING LAW

         The Plan, including this Agreement,  sets forth the entire agreement of
the  Company  and  the  Participant.  Any  and  all  prior  and  contemporaneous
agreements,  to the extent  inconsistent  herewith,  are  superseded.  Where not
superseded  by federal  law,  the law of the state of Georgia  shall  govern the
Plan, which includes this Agreement.

                                   ARTICLE XVI
                                 INTERPRETATION

         Words and  phrases  herein  shall be  construed  as in the  singular or
plural as masculine,  feminine or neuter  gender,  as  appropriate.  The Article
titles  used  herein  are for  organizational  purposes  only and shall  have no
determinative effect upon the rights,  interests,  and/or duties created in this
Agreement.

                                  ARTICLE XVII
                                  SEVERABILITY

         In the event that a court of competent jurisdiction determines that any
provision  of the  Plan  or  this  Agreement  is  unenforceable,  the  remaining
provisions  of the Plan and this  Agreement  shall  continue  in full  force and
effect.

         IN  WITNESS  WHEREOF,  the  parties  hereto  acknowledge  that each has
carefully  read this  Agreement and executed the original  thereof as of the 1st
day of January,  2000, and that, upon execution,  each has received a confirming
copy.

______________________________________     ____________________________________
            (WITNESS)                               EQUIFAX INC.

                                           By:_________________________________
                                                        Title

______________________________________     ____________________________________
            (WITNESS)                               (PARTICIPANT)

                                           By:_________________________________
                                                        Title

                                       7
<PAGE>

                                   EXHIBIT "A"

PART I - LIFE INSURANCE POLICY

Insurer: Pacific Life Insurance Company

Policy Number:

Date of Policy:

Scheduled Death Benefit:  $_________________

PART II - BENEFICIARY

------------------------

         This Exhibit "A" is a part of the  Collateral  Assignment  Split Dollar
Life Insurance  Agreement,  entered into by and between  Equifax Inc., _________
_________________ and as of January 1,  2000.Equifax Inc. Stock Option Exchange Program
                              Terms and Conditions

o        Eligibility to  participate is limited to Vice  Presidents and above or
         as  otherwise  determined  by  the  Compensation  and  Human  Resources
         Committee ("the Committee").

o        The  election  to defer is  voluntary,  must be made each year,  and is
         irrevocable  as of  March  15  (or  other  date  as  prescribed  by the
         Committee each year).

o        Election must be made in the form of a percentage  of annual  incentive
         award earned,  and if  participating,  may be in any amount between 10%
         and 100%, in whole 5% increments.

o        Grant will be Equifax Inc. non-qualified stock options.

o        Options are immediately vested in full on the grant date.

o        Grant  date will be the date of the  Committee  meeting  in  January or
         February  following  the end of the  fiscal  year for which the  annual
         incentive award was earned.

o        Option  price will be at fair market  value at the close of the NYSE on
         the day of the Committee meeting.

o        If  applicable,  currency  conversion  rates will be established at the
         close of business on the day of the Committee meeting.

o        Option term is 10 years from grant date or expires sooner as follows:

         -        Terminates 5 years following  retirement,  death or disability
                  termination,  or after  termination,  other  than  for  cause,
                  following a change in control of the Company  (unless  10-year
                  option term expires sooner);

         -        Terminates   one  year  following   termination   due  to  job
                  elimination (unless 10-year option term expires sooner);

         -        Terminates    immediately    following   grantee's   voluntary
                  termination;

         -        Terminates  immediate  following  grantee's   termination  for
                  cause.

o        Option is non-transferable.

o        Option grant will be determined as follows:

                  % of Cash Incentive                Dollar Value of Stock
                       Exchanged                        Option Grant
                  -------------------                ---------------------

                       10% -- 20%                 6 x Cash Incentive Exchanged

                       25% -- 45%                 8 x Cash Incentive Exchanged

                       50% -- 100%                10 x Cash Incentive Exchanged

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