EQUIFAX INC
<DOCUMENT>
<TYPE>EX-10
<SEQUENCE>2
<FILENAME>ex10-1.txt
<TEXT>
<PAGE>


                                                                    EXHIBIT 10.1

                          SUPPLEMENTAL RETIREMENT PLAN
                                FOR EXECUTIVES OF
                                  EQUIFAX INC.






















                         Effective As of January 1, 2004


<PAGE>

<TABLE>
<CAPTION>
                                                 TABLE OF CONTENTS

ARTICLE I           DEFINITIONS AND CONSTRUCTION..................................................................1
<S>      <C>                                                                                                     <C>
         1.1      Definitions.....................................................................................1
                  (a)      Accrued Benefit........................................................................1
                  (b)      Actuarial (or Actuarially) Equivalent..................................................1
                  (c)      Adopting Employer......................................................................1
                  (d)      Authorized Leave of Absence............................................................1
                  (e)      Average Annual Compensation............................................................1
                  (f)      Beneficiary............................................................................1
                  (g)      Board..................................................................................2
                  (h)      Bonus..................................................................................2
                  (i)      Break in Service.......................................................................2
                  (j)      Code...................................................................................2
                  (k)      Company................................................................................2
                  (l)      Compensation...........................................................................2
                  (m)      Covered Compensation...................................................................2
                  (n)      Disability Retirement Date.............................................................2
                  (o)      Early Retirement Date..................................................................2
                  (p)      Effective Date.........................................................................3
                  (q)      Eligible Spouse........................................................................3
                  (r)      Equifax Pension Plan...................................................................3
                  (s)      Equifax Pension Plan Benefit...........................................................3
                  (t)      ERISA..................................................................................3
                  (u)      Executive..............................................................................3
                  (v)      Final Average Annual Earnings..........................................................3
                  (w)      Late Retirement Date...................................................................3
                  (x)      Normal Retirement Date.................................................................3
                  (y)      Participant............................................................................3
                  (z)      Plan Administrator.....................................................................4
                  (aa)     Plan...................................................................................4
                  (bb)     Plan Year..............................................................................4
                  (cc)     Restoration Benefit....................................................................4
                  (dd)     Retirement (Retire)....................................................................4
                  (ee)     Section 401(a)(17) Limitation..........................................................4
                  (ff)     SERP Benefit...........................................................................4
                  (gg)     Termination Date.......................................................................4
                  (hh)     Total and Permanent Disability.........................................................4
                  (ii)     Vested Participant.....................................................................4
                  (jj)     Year of Benefit Service................................................................4
                  (kk)     Year of Senior Executive Officer Service...............................................4
                  (ll)     Year of Vesting Service................................................................5
         1.2      Construction....................................................................................5
</TABLE>

<PAGE>
<TABLE>
<CAPTION>
ARTICLE II          PARTICIPATION AND BREAK IN SERVICE............................................................6
<S>      <C>                                                                                                     <C>
         2.1      Eligibility for Participation...................................................................6
         2.2      Break in Service................................................................................6
         2.3      Participants Bound..............................................................................6
         2.4      Transfers.......................................................................................6
                  (a)      When Executive Becomes A Participant...................................................6
                  (b)      Accrued Benefit Upon Transfer To A Non-Eligible Status.................................6

ARTICLE III         RETIREMENT AND TERMINATION DATES; FORMS OF PAYMENT............................................8

         3.1      Normal Retirement Benefit.......................................................................8
         3.2      Late Retirement Benefit.........................................................................8
         3.3      Early Retirement Benefit........................................................................8
                  (a)      SERP Benefit:..........................................................................8
                  (b)      Restoration Benefit:...................................................................9
         3.4      Disability Retirement Benefit...................................................................9
         3.5      Vested Participant Benefit.....................................................................10
         3.6      Termination Prior to Completion of Vesting Requirements........................................10
         3.7      Normal Form of Payment of Accrued Benefit......................................................11
         3.8      Optional Forms of Payment......................................................................11
                  (a)      Ten Years Certain and Life Annuity Option.............................................11
                  (b)      Joint and Survivor Annuity Option.....................................................11
                  (c)      Life Annuity..........................................................................12
         3.9      Benefits Upon A Change In Control:.............................................................12
                  (a)      In General............................................................................12
                  (b)      Change in Control.....................................................................12
                  (c)      Definitions...........................................................................13

ARTICLE IV          RETIREMENT BENEFITS..........................................................................15

         4.1      Normal Retirement Benefit......................................................................15
                  (a)      SERP Benefit..........................................................................15
                  (b)      Restoration Benefit...................................................................15
                  (c)      Equifax Pension Plan Benefit..........................................................16

ARTICLE V           PRE-RETIREMENT DEATH BENEFITS................................................................17

         5.1      In General.....................................................................................17
         5.2      Death Prior to Eligibility for Retirement or a Vested Participant Benefit......................17
         5.3      Death of Married Participant After Attaining Eligibility for Vested
                  Participant Benefit............................................................................17
         5.4      Death of Married Participant After Attaining Eligibility for Early or Normal
                  Retirement.....................................................................................17
         5.5      Death of Unmarried Participant Entitled To SERP Benefit........................................18
</TABLE>

<PAGE>
<TABLE>
<CAPTION>
ARTICLE VI          ADMINISTRATION...............................................................................19
<S>      <C>                                                                                                    <C>
         6.1      General Duties.................................................................................19
         6.2      Application and Forms For Benefit..............................................................19
         6.3      Facility of Payment............................................................................20
         6.4      Company to Furnish Information.................................................................20
         6.5      Plan Administrator to Furnish Other Information................................................20
         6.6      Claims Procedure...............................................................................20

ARTICLE VII         PLAN FINANCING...............................................................................22


ARTICLE VIII        AMENDMENT; TERMINATION.......................................................................23

         8.1      Amendment......................................................................................23
         8.2      Right to Terminate.............................................................................23

ARTICLE IX          MISCELLANEOUS................................................................................24

         9.1      Nonguarantee of Employment.....................................................................24
         9.2      Rights Under Plan..............................................................................24
         9.3      Nonalienation of Benefits......................................................................24
         9.4      Headings for Convenience Only..................................................................24
         9.5      Multiple Copies................................................................................24
         9.6      Governing Law..................................................................................24
         9.7      Taxes..........................................................................................24
         9.8      Successor Company..............................................................................25

APPENDIX A ELIGIBLE SENIOR EXECUTIVE OFFICERS

APPENDIX B ELIGIBLE EXECUTIVE OFFICERS
</TABLE>


<PAGE>

                                       1.

                          DEFINITIONS AND CONSTRUCTION

         2. DEFINITIONS: Where the following words and phrases appear in this
Plan, they shall have the meanings set forth below, unless the context clearly
indicates to the contrary:

         3. ACCRUED BENEFIT: Subject to adjustment as hereinafter provided, with
respect to any Participant at any time, the benefit payable to the Participant
as determined in accordance with Article IV. The determination of a
Participant's Accrued Benefit shall be made by the Plan Administrator in good
faith in a consistent manner with respect to all Participants and its decisions
on such matters shall be binding and conclusive on all parties.

         Notwithstanding the foregoing, if a Participant who received a
distribution or distributions from the Plan following his Termination Date or
Retirement is re-employed and again becomes an active Participant, such
Participant's Accrued Benefit, as computed pursuant to this Section after his
re-employment, shall be reduced by the monthly Accrued Benefit amount that is
the Actuarial Equivalent of the distribution(s) made to the Participant.

         4. ACTUARIAL (OR ACTUARIALLY) EQUIVALENT: For purposes of determining
the equivalent value of optional forms of benefits under Section 3.8, the
Actuarial Equivalent factors shall be the same as those used in the Equifax
Pension Plan, provided that in determining the amount of the lump sum payment
under Section 3.7, or the five annual installment payments under Section 5.5,
the applicable interest rate used shall be the Moody's AA corporate bond rate as
in effect at the end of the month two (2) months prior to the date the payment
is scheduled to commence.

         5. ADOPTING EMPLOYER: An employer that, with the consent of the
Company, adopts the Plan for the benefit of one or more of its Executives, in
accordance with such terms and conditions as may be imposed by the Company.

         6. AUTHORIZED LEAVE OF ABSENCE: Any absence authorized by the Company,
provided that the Participant returns within the period specified in the
Authorized Leave of Absence.

         7. AVERAGE ANNUAL COMPENSATION: The applicable annual amount shall be
determined by taking the monthly average of the Participant's Compensation over
a thirty-six (36) consecutive month period which produces the highest amount and
multiplying such monthly amount by twelve (12).

         8. BENEFICIARY: The person or persons last designated in writing by the
Participant on a form provided by the Plan Administrator to receive benefits
under Sections 3.8(a) or (b) or Article V of the Plan in the event of the
Participant's death. If, at any time, no Beneficiary has been validly designated
by a Participant, or the validly designated Beneficiary is no longer living or
no longer exists, whichever is applicable, then the Participant's Beneficiary
shall be deemed to be the Participant's Eligible Spouse or, if no


<PAGE>

such Eligible Spouse is then living, the Participant's estate; provided,
however, nothing in this Section shall be interpreted so as to require a benefit
for any Beneficiary except as set forth elsewhere in this Plan. Once a
Participant's or Beneficiary's (as applicable) benefits have commenced, the
Beneficiary of a Participant hereunder may not be changed.

         9. BOARD: The Board of Directors of Equifax Inc.

         10. BONUS: The amount paid to an Executive during the year under the
Company's annual incentive bonus program, and the amount of any other short-term
cash incentive bonus, including spot awards and retention bonuses.

         11. BREAK IN SERVICE: A One Year Break in Service, as defined in the
Equifax Pension Plan, which may result in a cancellation of the Participant's
previous Years of Benefit Service as provided in Section 2.2.

         12. CODE: The Internal Revenue Code of 1986, as amended.

         13. COMPANY: Company shall mean Equifax Inc. (or its successor or
successors). Affiliated or related employers that are permitted to adopt the
Plan with the consent of the Company shall be known as Adopting Employers. To
the extent required by certain provisions (e.g., determining Average Annual
Compensation and Years of Benefit Service), references to the Company shall
include the Adopting Employer of the Participant.

         14. COMPENSATION: Subject to adjustment as provided in the next
sentence, "Compensation" shall be the Participant's base salary for the period
during which he is employed by the Company, and any Bonus paid during his
employment. In either case, Compensation shall include any amounts of salary or
Bonus which shall be voluntarily deferred by the Participant under any salary or
bonus deferral or reduction program (whether qualified or non-qualified) which
may be instituted by the Company, but Compensation shall not include any
earnings or Company match on these deferred amounts, or payments from such
programs or payments from any similar salary deferral or bonus deferral
programs, or any income from long-term cash incentive programs, stock options,
stock appreciation rights, restricted stock, restricted stock units or similar
grants. A Participant's Compensation for calendar years prior to the Effective
Date during which he was employed by the Company or a predecessor shall be
credited under this Plan. The Section 401(a)(17) limitation shall not apply to
the determination of Compensation.

         15. COVERED COMPENSATION: The term "Covered Compensation" shall have
the same meaning as provided in the Equifax Pension Plan.

         16. DISABILITY RETIREMENT DATE: The date of Retirement due to Total and
Permanent Disability as specified in Section 3.4.

         17. EARLY RETIREMENT DATE: The last day of the month following the date
the Participant (i) attains age 55 and completes at least five (5) Years of
Vesting Service, or


<PAGE>

(ii) attains at least age 50 where the sum of the Participant's age and Years of
Vesting Service total at least 75.

         18. EFFECTIVE DATE: This Plan is effective January 1, 2004.

         19. ELIGIBLE SPOUSE: The individual who is the Participant's "legal
spouse" on the earlier of his date of benefit commencement or his date of death.
An individual shall only be recognized as a Participant's "legal spouse" if (i)
the individual is of the opposite sex to the Participant, (ii) the individual
and the Participant are considered to be legally married (including a common law
marriage, if the common law marriage was formed in one of the states that permit
the formation of a common law marriage), and (iii) the marriage of the
individual and the Participant is recognized on the relevant date as valid in
the state where the individual and the Participant reside.

         20. EQUIFAX PENSION PLAN: The tax-qualified retirement plan known as
the Equifax Inc. U.S. Retirement Income Plan, as it may be amended from time to
time.

         21. EQUIFAX PENSION PLAN BENEFIT: The accrued benefit payable to a
Participant under the Equifax Pension Plan.

         22. ERISA: The Employee Retirement Income Security Act of 1974, as
amended from time to time.

         23. EXECUTIVE: Any person who, on or after the Effective Date, (i) is
classified by the Company as an executive officer of the Company (or an Adopting
Employer), (ii) is receiving remuneration for personal services rendered to the
Company (or an Adopting Employer), and (iii) is designated by the Board or
Compensation Committee of the Board (as appropriate) as eligible to participate
in the Plan and who is listed on an Appendix attached hereto. An Executive who
is designated as eligible to participate will be


<PAGE>

further classified on an Appendix as a "Senior Executive Officer" or an
"Executive Officer" with respect to participation in the Plan and the Board or
Compensation Committee may change the Participant's designation from time to
time.

         24. FINAL AVERAGE ANNUAL EARNINGS: The term "Final Average Annual
Earnings" shall have the same meaning as provided in the Equifax Pension Plan,
except that the Section 401(a)(17) limitation shall not apply.

         25. LATE RETIREMENT DATE: The date of Retirement subsequent to a
Participant's Normal Retirement Date as specified in Section 3.2.

         26. NORMAL RETIREMENT DATE: The last day of the month in which the
Participant attains age 65.

         27. PARTICIPANT: An Executive participating in the Plan in accordance
with the provisions of Section 2.1.


<PAGE>

         28. PLAN ADMINISTRATOR: The Compensation Committee of the Board,
provided that the Committee may delegate to any person or committee authority to
perform all or any portion of the duties and responsibilities of the Plan
Administrator under the Plan.

         29. PLAN: The Supplemental Retirement Plan for Executives of Equifax
Inc., the Plan set forth herein, as it may be amended from time to time.

         30. PLAN YEAR: A twelve (12) month period beginning on January 1 and
ending on December 31.

         31. RESTORATION BENEFIT: The supplemental retirement benefit which can
be earned by Executive Officers and Senior Executive Officers, as provided for
in Section 4.1(b).

         32. RETIREMENT (RETIRE): Termination of employment for reason other
than death after a Participant has fulfilled all of the requirements for Normal
Retirement, Late Retirement, Early Retirement, or Disability Retirement.
Retirement shall be considered as commencing on the last day of the month
coincident with or immediately following a Participant's last day of employment
(or Authorized Leave of Absence, if later).

         33. SECTION 401(A)(17) LIMITATION: The limitation on a Participant's
compensation that may be used for benefit calculation purposes that is set forth
in Code Section 401(a)(17).

         34. SERP BENEFIT: The supplemental retirement benefit, which can be
earned by Senior Executive Officers, as provided for in Section 4.1(a).

         35. TERMINATION DATE: The date of termination of an Executive's
employment with the Company for reasons other than death or Retirement.

         36. TOTAL AND PERMANENT DISABILITY: A Participant will be considered to
have incurred a "Total and Permanent Disability" under the Plan if the
Participant has been determined to be "Disabled" (i) under the Equifax Pension
Plan, (ii) under the Company's long-term disability plan covering the Executive,
or (iii) in accordance with standards established by the Plan Administrator
based on Executive's inability to perform his duties as a result of an injury or
sickness.

         37. VESTED PARTICIPANT: A Participant who has satisfied the
requirements for vesting set forth in Section 3.5 as of the Participant's
Termination Date, but prior to achieving eligibility for Retirement.

         38. YEAR OF BENEFIT SERVICE: A Participant shall be credited with one
(1) Year of Benefit Service under the Plan (i) for each Year of Benefit Service
with which the Participant is credited under the Equifax Pension Plan (subject
to the rules in Section 2.4), and (ii) for any other years of service designated
on an Appendix attached hereto.

         39. YEAR OF SENIOR EXECUTIVE OFFICER SERVICE: A Participant shall be
credited with one (1) Year of Senior Executive Officer Service (i) for each Plan
Year during which he is


<PAGE>

actively employed as a Senior Executive Officer (as determined by the Plan
Administrator) and is credited with 1,000 Hours of Service (as defined in the
Equifax Pension Plan) as a Senior Executive Officer, and (ii) any other years of
service designated for the Participant on an Appendix attached hereto. The
crediting of Hours of Service as a Senior Executive Officer shall be made in
accordance with the equivalency rules of the Equifax Pension Plan.

         40. YEAR OF VESTING SERVICE: A Participant shall be credited with one
(1) year of Vesting Service under the Plan (i) for each Year of Vesting Service
with which the Participant is credited under the Equifax Pension Plan (subject
to the rules in Section 2.4), and (ii) for any other years of service designated
for the Participant on an Appendix attached hereto.

41. CONSTRUCTION: The masculine gender, where appearing in the Plan, shall be
deemed to include the feminine gender, and the singular may include the plural,
unless the context clearly indicates to the contrary. The words "hereof,"
"herein," "hereunder" and other similar compounds of the word "here" shall mean
and refer to the entire Plan, not to any particular provision or Section.




<PAGE>

                                      42.

                       PARTICIPATION AND BREAK IN SERVICE

43. ELIGIBILITY FOR PARTICIPATION

         (a) IN GENERAL - An Executive designated (either by name or by title)
on an Appendix attached hereto shall become a Participant in this Plan on the
later of the Effective Date or the date designated in the Appendix, subject to
the conditions and limitations provided for herein and in the Appendix. A former
Participant who is rehired may again become a Participant upon again being
designated as eligible to participate in the Plan.

         (b) SPECIAL ELIGIBILITY - The Board or the Compensation Committee of
the Board may provide on an Appendix for special provisions, conditions or
limitations with respect to the participation in the Plan by any Executive
designated as eligible to participate in the Plan.

44. BREAK IN SERVICE: Upon Retirement, death or other termination of employment,
a Participant's rights and benefits under the Plan shall be determined in
accordance with his Years of Vesting Service, Years of Benefit Service, Years of
Senior Executive Officer Service, Final Average Annual Earnings, Average Annual
Compensation, and other applicable Plan provisions at the time of termination of
employment. If a Participant incurs a Break in Service and is later rehired by
the Company and becomes eligible to participate in the Plan, his prior Years of
Benefit Service and Years of Senior Executive Officer Service shall be counted
for purposes of determining his Accrued Benefit subsequent to rehire, provided
that if the Participant received payments from the Plan during his Break in
Service period, his Accrued Benefit shall be adjusted in the manner provided in
Section 1.1(a).

45. PARTICIPANTS BOUND: Each Executive becoming a Participant hereunder shall be
conclusively presumed for all purposes to have consented to this Plan and any
amendments, modifications or revisions hereto, and to all the terms and
conditions thereof, and shall be bound thereby with the same force and effect as
if he had entered into a contract to such effect and any amendments,
modifications or revisions hereto.

46. TRANSFERS: The following rules shall apply when an Executive transfers to or
from eligibility for participation in the Plan while an employee of the Company:

         47. WHEN EXECUTIVE BECOMES A PARTICIPANT: An Executive of the Company
who becomes a Participant under this Plan in accordance with Section 2.1, shall
have his Final Average Annual Earnings, Compensation, Years of Benefit Service,
Years of Senior Executive Officer Service, and Years of Vesting Service for
periods prior to the date he becomes a Participant in the Plan count for
purposes of this Plan, unless otherwise provided in an Appendix applicable to
such Participant.

         48. ACCRUED BENEFIT UPON TRANSFER TO A NON-ELIGIBLE STATUS: If a
Participant becomes ineligible to participate but remains in employment with the
Company, his Normal Retirement Accrued Benefit under this Plan will be
determined as though his becoming


<PAGE>

ineligible to participate were a termination of employment, and his Termination
Date will be deemed to be the date of his ineligibility. A Participant shall not
be eligible to receive benefits from this Plan until the Participant terminates
employment with the Company and all affiliated employers. A former Participant's
earnings, compensation and service after the date of transfer shall not be
counted under this Plan for purposes of determining the amount of a
Participant's benefits, unless otherwise provided in an Appendix applicable to
such former Participant; provided, however, that future increases in the
Participant's benefit under the Equifax Pension Plan shall reduce the
Participant's benefit under this Plan in accordance with Article IV.


<PAGE>

                                      49.

               RETIREMENT AND TERMINATION DATES; FORMS OF PAYMENT

50. NORMAL RETIREMENT BENEFIT: A Participant may retire on his Normal Retirement
Date, on which date he shall be fully vested, and his Normal Retirement Benefit
shall commence as of the first day of the calendar month next following his
Normal Retirement Date. The Participant's Normal Retirement Benefit shall be
determined in accordance with Section 4.1 and shall be payable in the normal
form described in Section 3.7, subject to the right of the Participant to elect
an optional form of payment as provided in Section 3.8, and to Section 3.9.

51. LATE RETIREMENT BENEFIT: When permitted by Company policy, a Participant may
continue his employment beyond his Normal Retirement Date and in such event his
Late Retirement Benefit shall commence as of the first day of the calendar month
coinciding with or next following the date of his actual Retirement. The
Participant's Late Retirement Benefit shall be determined in accordance with
Section 4.1 and shall be payable in the normal form described in Section 3.7,
subject to the right of the Participant to elect an optional form of payment as
provided in Section 3.8, and to Section 3.9.

52. EARLY RETIREMENT BENEFIT: A Participant may retire on or after his Early
Retirement Date and prior to his Normal Retirement Date and be entitled to an
Early Retirement Benefit. If he retires early, the Participant's benefit shall
be equal to his Normal Retirement Benefit determined in accordance with Section
4.1, payable in the normal form described in Section 3.7 (subject to the right
of the Participant to elect an optional form of payment as provided in Section
3.8 and to Section 3.9) and payment shall commence as of the first day of the
calendar month next following the Participant's Normal Retirement Date. A
Participant may elect to commence his Early Retirement Benefit as of the first
day of the calendar month next following his Retirement, or as of the first day
of any subsequent calendar month which precedes his Normal Retirement Date. In
such event, the Participant's Normal Retirement Benefit payable in the normal
form at such earlier date, shall be reduced as follows (to the extent applicable
to each type of benefit) and in the manner provided in Section 4.1(c):

53. SERP BENEFIT:

                   AGE AT WHICH BENEFITS COMMENCE       EARLY RETIREMENT FACTOR
                   ------------------------------       -----------------------
                                 65                              100%
                                 64                              100
                                 63                              100
                                 62                              100
                                 61                              100
                                 60                              100
                                 59                               97
                                 58                               94

<PAGE>


                  AGE AT WHICH BENEFITS COMMENCE       EARLY RETIREMENT FACTOR
                   ------------------------------       -----------------------

                                 57                               91
                                 56                               88
                                 55                               85
                                 54                               80
                                 53                               75
                                 52                               70
                                 51                               65
                                 50                               60
54.      RESTORATION BENEFIT:

                   AGE AT WHICH BENEFITS COMMENCE       EARLY RETIREMENT FACTOR
                   ------------------------------       -----------------------
                                 65                              100%
                                 64                               97
                                 63                               94
                                 62                               91
                                 61                               88
                                 60                               85
                                 59                               80
                                 58                               75
                                 57                               70
                                 56                               65
                                 55                               60
                                 54                               55
                                 53                               50
                                 52                               45
                                 51                               40
                                 50                               35

55. DISABILITY RETIREMENT BENEFIT: A Participant shall be eligible for a
Disability Retirement Benefit if he retires by reason of Total and Permanent
Disability and his Disability Retirement Date shall be the day next following
the day on which the Participant is deemed to have a Total and Permanent
Disability as defined in Section 1.1(hh). The amount of the Participant's
Disability Retirement Benefit shall be equal to his Normal Retirement Benefit as
of his Disability Retirement Date. A Disability Retirement Pension shall
commence as of the first day of the calendar month next following the
Participant's Normal Retirement Date and shall be payable in the normal form
described in Section 3.7 (subject to the right of the Participant to elect an
optional form of payment as provided in Section 3.8 and to Section 3.9),
provided that the Plan Administrator may in its discretion accelerate the time
or manner of payment of Disability Retirement Benefits to a Participant. The
Committee may in its sole discretion provide that a Participant who has a Total
and Permanent Disability will be credited with additional Years of Benefit
Service after the Participant's Disability Retirement Date.

56. VESTED PARTICIPANT BENEFIT: A Participant shall become vested in his SERP
Benefit upon completion of three (3) Years of Senior Executive Officer Service
and a Participant shall become vested in his Restoration Benefit upon completion
of five (5) Years of Vesting Service. A Participant who has less than three (3)
Years of Senior Executive Officer Service shall not be entitled to any SERP
Benefit under the Plan (but such Participant may be entitled to a Restoration
Benefit). If a Participant who is vested in his Restoration Benefit has accrued
Senior Executive Officer Service but less than three years of such service, his
years of Senior Executive Officer Service will be counted as Years of Benefit
Service for purposes of determining his Restoration Benefit. A Vested
Participant shall be entitled to a benefit equal to his Normal Retirement
Benefit, payable in the normal form described in Section 3.7. Payment of such
benefit shall commence on the first day of the calendar month next following the
Vested Participant's Normal Retirement Date. A Vested Participant who has at
least 5 Years of Vesting Service may elect to commence his benefit as of the
first day of the calendar month next following the date he attains age 55 and in
such event, the Participant's Vested benefit shall be reduced as provided in the
next paragraph of this Section 3.5, provided that any portion of a Vested
Participant's benefit that is a vested SERP Benefit shall be reduced as provided
in Section 3.3(a). The Plan Administrator in its sole discretion may provide for
an earlier payment date for any Vested Participant (or Participants), with an
Actuarial Equivalent reduction in the Participant's benefit.

          The reduction factors applicable to the Vested Participant's benefit
described in the preceding paragraph shall be as follows:

                             AGE AT WHICH            EARLY RETIREMENT
                           BENEFITS COMMENCE             FACTOR
                           -----------------             ------

                                  65                      100.00%
                                  64                       93.33%
                                  63                       86.66%
                                  62                       80.00%
                                  61                       73.33%
                                  60                       66.66%
                                  59                       63.33%
                                  58                       60.00%
                                  57                       56.66%
                                  56                       53.33%
                                  55                       50.00%


57. TERMINATION PRIOR TO COMPLETION OF VESTING REQUIREMENTS: Except in the event
of a Participant's death, Total and Permanent Disability, qualifying for Early
Retirement, or attainment of his Normal Retirement Date, a Participant whose
Termination Date occurs


<PAGE>

prior to meeting the vesting requirements of Section 3.5 shall be entitled to no
benefits under this Plan.

58. NORMAL FORM OF PAYMENT OF ACCRUED BENEFIT: Subject to Section 3.9 below, the
normal form of benefit payment of the Participant's Normal Retirement Benefit
shall be as follows: (i) if the Participant is not married to an Eligible Spouse
at the date of benefit commencement, the benefit shall be payable monthly for
the life of the Participant with no survivor benefits payable, and (ii) if the
Participant has an Eligible Spouse at the date of benefit commencement, the
normal form of payment shall be a joint and 50% survivor annuity which is the
Actuarial Equivalent of the single life annuity, with the Eligible Spouse
receiving after the Participant's death a benefit equal to 50% of the monthly
benefit the Participant was receiving. A Participant may elect to receive his
Normal Retirement Benefit in one of the optional forms of payment provided in
Section 3.8 below, provided that the Participant's Eligible Spouse must consent
in writing to the election of an optional form of payment. Any such optional
form of payment shall be the Actuarial Equivalent of the normal form of benefit
payment provided for in this Section 3.7. The Plan Administrator may in its
discretion elect to pay out smaller benefits (as determined by the Plan
Administrator) in a lump sum which shall be the Actuarial Equivalent of the
normal form of payment. The Plan Administrator may also, in its discretion, in
circumstances deemed appropriate by the Plan Administrator (including the
Participant's financial hardship or a change in financial circumstances of the
Participant), accelerate payments to a Participant on a basis comparable to the
Actuarial Equivalent of the benefit otherwise payable to the Participant.

59. OPTIONAL FORMS OF PAYMENT: In lieu of the normal form of payment of a
Participant's Normal Retirement Benefit described in Section 3.7, a Participant
eligible for a benefit under the Plan may elect, in accordance with such
procedures (including Eligible Spouse consent) and advance election requirements
as the Plan Administrator may establish, to receive his Accrued Benefit in any
of the optional forms listed below, which shall be the Actuarial Equivalent of
the normal form in Section 3.7:

         60. TEN YEARS CERTAIN AND LIFE ANNUITY OPTION: A monthly income payable
for the life of the Participant, except that payments are guaranteed for 120
months, regardless of whether the Participant survives such ten-year period. If
the Participant dies before such 120 monthly payments have been made, the
Participant's Beneficiary will receive any remaining guaranteed monthly payments
under this option (a); however, if the Beneficiary of the guaranteed payments
dies after said payments begin but before the 120 monthly guaranteed payments
have been made, the remaining payments will be paid to the estate of such
Beneficiary.

         61. JOINT AND SURVIVOR ANNUITY OPTION: A monthly income payable for the
life of the Participant with payments continuing after the Participant's death
to the Participant's Beneficiary in an amount equal to 25%, 33%, 50%, 67%, 75%
or 100 % (according to the election of the Participant) of the monthly income
that was being paid to the Participant. The survivor portion of the benefit is
payable to the Participant's Beneficiary beginning


<PAGE>

as of the first day of the month immediately following the Participant's date of
death and ending on the last day of the month coincident with or immediately
prior to the Beneficiary's date of death. If the designated Beneficiary dies
before the Participant, no survivor benefits shall be payable.

         62. LIFE ANNUITY: An annuity payable for the Participant's life only
with payments ceasing upon the Participant's death.

63. BENEFITS UPON A CHANGE IN CONTROL:

         64. IN GENERAL: Upon the occurrence of a Change in Control of the
Company (as defined in subsection (b) below), the Accrued Benefits (including
Accrued Benefits earned after the date of the Change in Control) of an active
Participant shall become fully vested and nonforfeitable, and such Participant's
Accrued Benefit shall be paid in the manner and at the time provided in Sections
3.7 and 3.8.

         65. CHANGE IN CONTROL: For purposes of this Plan, a Change in Control
of the Company means the occurrence of any of the following events:

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

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


<PAGE>

         (20%) or more of the then outstanding shares of common stock of the
         entity resulting from that Business Combination or the combined voting
         power of the then outstanding voting securities entitled to vote
         generally in the election of directors of that entity, and (C) at least
         a majority of the members of the Board of Directors of the entity
         resulting from that Business Combination were members of the Incumbent
         Board at the time of the execution of the initial agreement or of the
         action of the Board providing for that Business Combination; or

                  68. SALE OF ASSETS. A sale or other disposition of all or
         substantially all of the assets of the Company; or

                  69. LIQUIDATION OR DISSOLUTIONS. Approval by the shareholders
         of the Company of a complete liquidation or dissolution of the Company,
         except pursuant to a Business Combination that complies with all of the
         provisions of Clauses (A), (B), and (C) of subparagraph (ii).

         70. DEFINITIONS: For purposes of this Section 3.9, the following
additional definitions will apply:

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

                  72. "Business Combination" means a reorganization, merger or
         consolidation of the Company.

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

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

                  75. "Incumbent Board" means a Board of Directors at least a
         majority of whom consist of individuals who either are (A) members of
         the Company's Board of Directors as of the Effective Date or (B)
         members who become members of the Company's Board of Directors
         subsequent to the Effective Date whose election, or nomination for
         election by the Company's shareholders, was approved by a vote of at
         least two-third (2/3) of the directors then comprising the Incumbent
         Board (either by a specific vote or by approval of the proxy statement
         of the Company in which that person is named as a nominee for director,
         without objection to that nomination), but excluding, for that purpose,
         any individual whose initial assumption of office occurs as a result of
         an actual or threatened election contest (within the meaning of Rule
         14a-11 of the Exchange Act) with respect to the election or removal of
         directors or other actual or threatened solicitation of proxies or
         consents by or on behalf of a Person other than the Board of Directors.

<PAGE>

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

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


<PAGE>

                                       78.

                               RETIREMENT BENEFITS

79. NORMAL RETIREMENT BENEFIT: The Normal Retirement Benefit of a Participant at
his Normal Retirement Date shall be the sum of the Participant's SERP Benefit
and Restoration Benefit, minus the Participant's Equifax Pension Plan Benefit,
provided that the total combined Normal Retirement Benefit determined under this
Plan and the Equifax Pension Plan shall not exceed fifty percent (50%) of the
Participant's Average Annual Compensation (the "50% Maximum Benefit Limit"). If
the Normal Retirement Benefit payable under this Plan and the Equifax Pension
Plan exceed the 50% Maximum Benefit Limit, the Participant's Restoration Benefit
(if any) shall be reduced first until the 50% Maximum Benefit Limit is satisfied
and, if further reductions are necessary, the Participant's SERP Benefit shall
be reduced until the 50% Maximum Benefit Limit is satisfied. The Plan
Administrator shall have the authority to adjust the Participant's benefits to
satisfy the 50% Maximum Benefit Limit. The limitations of Section 415 of the
Code shall not apply to benefits payable pursuant to this Plan.

         80. SERP BENEFIT: The Participant's annual SERP Benefit shall be an
amount equal to:

                  81. 2.5% of the Participant's Average Annual Compensation
         multiplied by the Participant's Years of Senior Executive Officer
         Service up to ten (10) years, plus

                  82. 1.67% of the Participant's Average Annual Compensation
         multiplied by the Participant's Years of Senior Executive Officer
         Service in excess of ten (10) years up to twenty (20) years.

The maximum number of Years of Senior Executive Officer Service a Participant
can accrue under the Plan is twenty (20) and any years in excess of twenty (20)
shall be treated as Years of Benefit Service subject to the Restoration Benefit
formula in subsection (b) below. If a Participant's Years of Senior Executive
Officer Service exceed twenty (20) and he remains a Participant in this Plan,
the Participant's Compensation shall continue to count for purposes of
determining the Participant's Average Annual Compensation, if counting such
Compensation would increase the Participant's SERP Benefit. A Participant who
has less than three (3) years of Senior Executive Officer Service shall not be
entitled to any SERP Benefits under the Plan (but such Participant may be
entitled to a Restoration Benefit).

         83. RESTORATION BENEFIT: The Participant's annual Restoration Benefit
shall be an amount equal to:

                  84. 1% of the Participant's Final Average Annual Earnings
         multiplied by the Participant's Years of Benefit Service, plus

<PAGE>

                  85. 0.35% of the Participant's Final Average Annual Earnings,
         minus the Participant's Covered Compensation, multiplied by the
         Participant's Years of Benefit Service (not to exceed 36 years).

For purposes of determining a Participant's Restoration Benefit, Years of
Benefit Service that are also credited as Years of Senior Executive Officer
Service and used in determining the Participant's SERP Benefit (to the extent
the Participant has qualified for such benefit) shall not be used in the
calculation of the Restoration Benefit. Except as otherwise provided herein, the
Participant's Restoration Benefit shall be determined in the same manner as his
benefit under the Equifax Pension Plan.

         86. EQUIFAX PENSION PLAN BENEFIT: The Participant's Equifax Pension
Plan Benefit shall be the annual amount payable to the Participant at Normal
Retirement Date in the form of a single life annuity under the Equifax Pension
Plan. The reduction for the Equifax Pension Plan Benefit under this Section 4.1
shall be made on the date payments are to commence to the Participant under this
Plan by first determining the SERP Benefit and/or Restoration Benefit (as
applicable) as of the payment date (including any reduction for early
commencement of such benefits as provided for in Section 3.3) and then reducing
such benefits by the Equifax Pension Plan Benefit payable at such date in the
same form of payment.


<PAGE>

                                      87.

                          PRE-RETIREMENT DEATH BENEFITS

88. IN GENERAL: The pre-retirement death benefits payable following the death of
a Participant shall only be payable with respect to an eligible Participant who
is an employee at the time of his death and shall only be payable to the extent
provided below. Except as otherwise provided herein, if an Executive (i) has
ceased to be an eligible Participant, or (ii) is a Vested Participant who is
unmarried (including an unmarried Participant entitled to an Early Retirement
Benefit) and is only entitled to a Restoration Benefit, or (iii) has terminated
employment prior to his death, no death benefit shall be payable pursuant to
this Article V. The Plan Administrator, in its sole discretion, may provide for
earlier payment or a different form of payment for any pre-retirement death
benefits payable pursuant to this Article V, provided that any such payment
shall be in an amount comparable to the Actuarial Equivalent of the benefit
otherwise payable to the Eligible Spouse or Beneficiary.

89. DEATH PRIOR TO ELIGIBILITY FOR RETIREMENT OR A VESTED PARTICIPANT BENEFIT:
No death benefit is provided under this Plan for Participants who die prior to
completing the eligibility requirements for Retirement or a Vested Participant
benefit.

90. DEATH OF MARRIED PARTICIPANT AFTER ATTAINING ELIGIBILITY FOR VESTED
PARTICIPANT BENEFIT: If a Participant who has an Eligible Spouse dies while
employed by the Company after completing the requirements for a Vested
Participant benefit, the Participant's Eligible Spouse shall be paid the
survivor annuity which would have been payable had the Participant terminated
employment immediately prior to the date of his death and lived to the earliest
age at which the Participant could have started to receive benefits under the
Plan, then commenced his Vested Participant benefit (subject to reduction for
early payment as provided in Section 3.5) in the form of a joint and 50%
survivor annuity (with the Eligible Spouse as the designated survivor) and died
immediately thereafter. The survivor annuity payments will commence on the first
day of the calendar month coinciding with or next following the date which would
have been the earliest date the deceased Participant could have started to
receive benefits under the Plan, provided the Eligible Spouse is living on such
date. The Participant's Eligible Spouse shall receive the monthly 50% survivor
annuity and the payments shall cease on the Eligible Spouse's death. If the
Participant terminates employment after satisfying the requirements for a Vested
Participant benefit but dies prior to the date his benefit commences, his
surviving Eligible Spouse shall be entitled to the death benefits provided by
this Section 5.3.

91. DEATH OF MARRIED PARTICIPANT AFTER ATTAINING ELIGIBILITY FOR EARLY OR NORMAL
RETIREMENT: If a Participant who has an Eligible Spouse dies while employed by
the Company after completing the eligibility requirements for Early Retirement
or Normal Retirement, the Participant's Eligible Spouse shall be paid the
survivor annuity


<PAGE>

(subject to the reduction for Early Retirement) which would have been payable
under this Plan had the Participant retired immediately prior to the date of his
death, and had his Early Retirement or Normal Retirement Benefit (whichever is
applicable) payable as a joint and 50% survivor annuity (with the Eligible
Spouse as the designated survivor). The survivor annuity payments will commence
on the first day of the month following the date of death of the Participant,
provided the Eligible Spouse is living on such date. The Participant's Eligible
Spouse shall receive the monthly 50% survivor annuity payments and the payments
shall cease on the Eligible Spouse's death. If the Participant terminates
employment after satisfying the requirements for Early Retirement but delays
commencement of his benefits, the Participant's surviving Eligible Spouse shall
be covered by the death benefit provisions of this Section 5.4 until the
Participant's benefit payments commence.

92. DEATH OF UNMARRIED PARTICIPANT ENTITLED TO SERP BENEFIT: If a Participant
who does not have an Eligible Spouse dies while employed by the Company after
completing the requirements for a Vested Participant SERP Benefit or an Early or
Normal Retirement SERP Benefit, the Participant's Beneficiary shall be paid an
amount equal to fifty percent (50%) of the lump sum Actuarial Equivalent of the
Participant's Accrued Benefit (including the portion, if any, of such Accrued
Benefit which is a Restoration Benefit and subject, if applicable, to reduction
for early payment). The pre-retirement death benefit under this Section 5.5
shall be payable in five (5) substantially equal annual installments commencing
on the date the Participant would have attained age 55 or if the Participant had
already attained age 55 at the date of death, the first day of the month
following the date of death.


<PAGE>

                                      93.

                                 ADMINISTRATION

94. GENERAL DUTIES: The Plan Administrator shall enforce and administer the
Plan, and shall have all powers necessary to accomplish those purposes,
including, but not by way of limitation, the following:

          (a) to construe and interpret the Plan, decide all questions of
eligibility and determine the amount, manner and time of payment of any benefits
hereunder and to notify the Participant and the Company, where appropriate;

          (b) to adopt rules as it deems necessary, desirable or appropriate;

          (c) to prescribe procedures to be followed by Participants or
Beneficiaries filing applications for benefits;

          (d) to prepare and distribute, in such manner as the Plan
Administrator determines to be appropriate, information explaining the Plan;

          (e) to receive from the Company and from Participants such information
as shall be necessary for the Plan Administrator to perform its duties
hereunder;

          (f) to furnish the Company, upon request, such annual reports as are
reasonable and appropriate with respect to the Plan Administrator's duties
hereunder;

          (g) to receive, review and keep on file (as it deems convenient or
proper) reports of the receipts and disbursements of the Plan;

          (h) to appoint or employ individuals to assist in the administration
of its duties under the Plan and any other agents as it deems advisable,
including legal or actuarial counsel.

          The Plan Administrator shall have no power to add to, subtract from,
or modify any of the terms of the Plan, or to change or add to any benefits
provided by the Plan, or to waive or fail to apply any requirements of
eligibility for any benefits under the Plan. The Plan Administrator shall have
the exclusive discretionary authority to construe and to interpret the Plan, to
decide all questions of eligibility for benefits and to determine the amount of
such benefits, and its decisions on such matters are final and conclusive.

95. APPLICATION AND FORMS FOR BENEFIT: The Plan Administrator may require a
Participant to complete and file with the Plan Administrator an application for
benefits and all other forms approved by the Plan Administrator, and to furnish
all pertinent information requested by the Plan Administrator. The Plan
Administrator may rely upon all such information so furnished it, including the
Participant's current mailing address.


<PAGE>

96. FACILITY OF PAYMENT: Whenever, in the Plan Administrator's opinion, a person
entitled to receive any payment of a benefit or installment thereof hereunder is
under a legal disability or is incapacitated in any way so as to be unable to
manage his financial affairs, the Plan Administrator may direct the Company to
make payments to such person or to his legal representative or to a relative or
friend of such person for his benefit, or the Plan Administrator may direct the
Company to apply the payment for the benefit of such person in such manner as
the Plan Administrator considers advisable. Any payment of a benefit or
installment thereof in accordance with the provisions of this Section shall be a
complete discharge of the Plan Administrator of any liability for the selection
of such payee or the making of such payment under the provisions of the Plan.

97. COMPANY TO FURNISH INFORMATION: To enable the Plan Administrator to perform
its functions, the Company shall supply full and timely information to the Plan
Administrator of all matters relating to the pay of all Participants, their
Retirement, death or other cause for termination of employment, and such other
pertinent facts as the Plan Administrator may require. When making any
determination, the Plan Administrator shall be entitled to rely upon information
furnished by the Company, legal counsel for the Company, or the actuary.

98. PLAN ADMINISTRATOR TO FURNISH OTHER INFORMATION: To the extent not otherwise
provided in the Plan, the Plan Administrator shall be responsible for providing
all notices and information required under ERISA to all Participants.

99. CLAIMS PROCEDURE: A Participant who believes that he is entitled to benefits
under the Plan which have not been paid must file a written claim for such
benefits. All claims for benefits shall be in writing and shall be filed with
the Plan Administrator. If the Plan Administrator wholly or partially denies a
Participant's claim for benefits, the Plan Administrator shall give the claimant
written notice within sixty (60) days after the Plan's receipt of the claim
setting forth:

         (a) the specific reason(s) for the denial;

         (b) specific reference to pertinent Plan provisions on which the denial
is based;

         (c) a description of any additional material or information which must
be submitted to perfect the claim, and an explanation of why such material or
information is necessary; and

         (d) an explanation of the Plan's claim review procedure.

          Each Participant whose claim for benefits has been denied may file a
written request for a review of his claim by the Plan Administrator. The request
for review must be filed by the Participant within 60 days after he received the
written notice denying his claim. The decision of the Plan Administrator will be
made within 60 days after receipt of a request for review and shall be
communicated in writing to the Participant. Such written notice shall set forth
the basis for the Plan Administrator's decision. If there are special
circumstances which require an extension of time for completing the review, the
Plan Administrator's decision shall be rendered not later than 120 days after
receipt of a request for review.


<PAGE>

                                      100.

                                 PLAN FINANCING

          The benefits provided by this Plan shall be unfunded. All amounts
payable under this Plan to a Participant shall be paid from the general assets
of the Company, and nothing contained in this Plan shall require the Company to
set aside or hold in trust any amounts or assets for the purpose of paying
benefits to Participants. This Plan shall create only a contractual obligation
on the part of the Company and Participants shall have the status of general
unsecured creditors of the Company under the Plan with respect to any obligation
of the Company to pay benefits pursuant hereto.

          Notwithstanding the preceding paragraph, the Company may at any time
transfer assets to a trust (which trust may include assets set aside with
respect to other plans maintained by the Company), or purchase insurance or
annuity contracts, for purposes of paying all or any part of its obligations
under this Plan. However, to the extent provided in the trust only, such
transferred amounts shall remain subject to the claims of general creditors of
the Company. To the extent that assets are held in a trust when a Participant's
benefits under the Plan become payable, the Plan Administrator shall direct the
trustee to pay such benefits to the Participant from the assets of the trust.


<PAGE>

                                      101.

                             AMENDMENT; TERMINATION

102. AMENDMENT: The Company reserves the right to make from time to time any
amendment or amendments to this Plan, provided, however, that no such amendment
shall have the effect of reducing the Accrued Benefit of any Participant as of
the date of such amendment, or eliminate or adversely affect the rights as of
the date of such amendment of any Participants including, without limitation,
the right to earn a vested benefit or the timing or form of payment of benefits
under Article III.

103. RIGHT TO TERMINATE: The Company may terminate the Plan at any time by
resolution of the Board. In the event of the termination of the Plan, the rights
of all affected Participants to their Accrued Benefits as of the date of such
termination shall be fully vested and nonforfeitable. No such termination of the
Plan shall have the effect of reducing the Accrued Benefit of any Participant as
of the date of such termination, or eliminating or adversely affecting the
rights of Participants including, without limitation, the timing or form of
benefit payments under Article III.


<PAGE>

                                      104.

                                  MISCELLANEOUS

105. NONGUARANTEE OF EMPLOYMENT: Nothing contained in this Plan shall be
construed as a contract of employment between the Company and any Participant,
or as a right of any Participant to be continued in the employment of the
Company, or as a limitation of the right of the Company or an Adopting Employer
to discharge any Participant or Executive, with or without cause.

106. RIGHTS UNDER PLAN: No Participant shall have any right to or interest in,
the Plan upon termination of his employment or otherwise, except as provided
from time to time under this Plan, and then only to the extent of the benefits
payable under the Plan to such Participant.

107. NONALIENATION OF BENEFITS: Benefits payable under this Plan shall not be
subject in any manner to anticipation, alienation, sale, transfer, assignment,
pledge, encumbrance, charge, garnishment, execution or levy of any kind, either
voluntary or involuntary, including any such liability which is for alimony or
other payments for the support of a spouse or former spouse, or for any other
relative of the Participant, prior to actually being received by the person
entitled to the benefit under the terms of the Plan; and any attempt to
anticipate, alienate, sell, transfer, assign, pledge, encumber, charge or
otherwise dispose of any right to benefits payable hereunder, shall be void. The
Plan shall not in any manner be liable for, or subject to, the debts, contracts,
liabilities, engagements or torts of any person entitled to benefits hereunder.

108. HEADINGS FOR CONVENIENCE ONLY: The headings and subheadings in this Plan
are inserted for convenience of reference only and are not to be considered in
construction of the provisions hereof.

109. MULTIPLE COPIES: This Plan may be executed in any number of counterparts,
each of which shall be deemed an original, and the counterparts shall constitute
one and the same with respect to a matter under the Plan, which shall be
sufficiently evidenced by any one thereof.

110. GOVERNING LAW: This Plan shall be construed and enforced in accordance with
the provisions of ERISA. In the event ERISA is not applicable or does not
preempt state law, the laws of the State of Georgia shall govern.

111. TAXES: If the whole or any part of any Participant's Accrued Benefit shall
become liable for the payment of any estate, inheritance, income, or other tax
which the Company shall be required to pay or withhold, the Company shall have
the full power and authority to withhold and pay such tax out of any moneys it
owes to the Participant. The Company shall provide notice to the Participant of
any such withholding. Prior to making any payment, the Company may require such
releases or other documents from any lawful taxing authority as it shall deem
necessary.

<PAGE>

112. SUCCESSOR COMPANY: In the event of the merger, consolidation or
reorganization of the Company, provision may be made by which the Plan will be
continued by the successor; and, in that event, such successor shall be
substituted for the Company under the Plan. The substitution of the successor
shall constitute an assumption of Plan liabilities by the successor and the
successor shall have all of the powers, duties and responsibilities of the
Company under the Plan.

          IN WITNESS WHEREOF, the Plan has been executed by the Company to be
effective on the Effective Date.

                                                  EQUIFAX INC.


                                                  By:  /s/ Karen H. Gaston

Date:  November 12, 2004


<PAGE>


                                   APPENDIX A

                       ELIGIBLE SENIOR EXECUTIVE OFFICERS
                                (As of 1/1/2004)

                                                  Years of           Additional
                                                   Senior             Years of
                            Date of          Executive Officer        Benefit
  Name of Participant     Eligibility             Service             Service
  -------------------     -----------      ---------------------      --------
      Karen Gaston         1/1/2004                   7                  19
      Don Heroman          1/1/2004                   1                   0
       Kent Mast           1/1/2004                   3                   0



<PAGE>


                                   APPENDIX B

                           ELIGIBLE EXECUTIVE OFFICERS
                 (As of 1/1/2004, Except Where Otherwise Noted)

                                                                 Years of
                                                                  Benefit
    Name of Participant             Date of Eligibility           Service
    -------------------             -------------------           -------

        Mike Schirk                      1/1/2004                   12
        David Gunter                     1/1/2004                    1
         Nuala King                      3/22/2004                   0




</TEXT>
</DOCUMENT>
