Fourth Supplemental Indenture



 Exhibit 4.18 
 FOURTH SUPPLEMENTAL INDENTURE 
 FOURTH SUPPLEMENTAL INDENTURE (this “Supplemental
Indenture”), dated as of July 11, 2007, among NCOP IX, LLC, a Nevada limited liability company (the “New Guarantor”), a subsidiary of NCO Group, Inc., a Delaware corporation (the “Company”), and The
Bank of New York, a New York banking corporation, as trustee under the Indenture referred to below (the “Trustee”). 
 W I T
N E S S E T H 
 WHEREAS, the Company (as the successor in interest to NCO Group, Inc., a Pennsylvania corporation) and the existing
Guarantors have heretofore executed and delivered to the Trustee an indenture (as amended, supplemented or otherwise modified, the “Indenture”), dated as of November 15, 2006 providing for the issuance of Floating Rate Senior Notes
due 2013 (the “Notes”); 
 WHEREAS, Section 4.17 of the Indenture provides that under certain circumstances the New
Guarantor shall execute and deliver to the Trustee a supplemental indenture pursuant to which the New Guarantor shall unconditionally guarantee all of the Company’s obligations under the Notes and the Indenture on the terms and conditions set
forth herein (the “Note Guarantee”); and 
 WHEREAS, pursuant to Section 9.01 of the Indenture, the Trustee,
the Company and the existing Guarantors are authorized to execute and deliver this Supplemental Indenture. 
 NOW, THEREFORE, in
consideration of the foregoing and for other good and valuable consideration, the receipt of which is hereby acknowledged, the New Guarantor, the Company and the Trustee mutually covenant and agree for the equal and ratable benefit of the Holders of
the Notes as follows: 
 1. DEFINED TERMS. Defined terms used herein without definition shall have the meanings assigned to them in the
Indenture. 
 2. AGREEMENT TO GUARANTEE. The New Guarantor hereby agrees, jointly and severally with all existing Guarantors (if any), to
provide an unconditional guarantee on the terms and subject to the conditions set forth in Article 11 of the Indenture and to be bound by all other applicable provisions of the Indenture and the Notes and to perform all of the obligations and
agreements of a Guarantor under the Indenture. 







 3. NO RECOURSE AGAINST OTHERS. No past, present or future director, manager, officer, employee,
incorporator, stockholder or member of the Company, any parent entity of the Company or any Subsidiary, as such, will have any liability for any obligations of the Company or the Subsidiary Guarantors under the Notes, the Indenture, the Note
Guarantees or for any claim based on, in respect of, or by reason of, such obligations or their creation. Each Holder by accepting a Note waives and releases all such liability. The waiver and release are part of the consideration for issuance of
the Notes. The waiver may not be effective to waive liabilities under the federal securities laws. 
 4. NOTICES. All notices or other
communications to the New Guarantor shall be given as provided in Section 13.02 of the Indenture. 
 5. RATIFICATION OF INDENTURE;
SUPPLEMENTAL INDENTURES PART OF INDENTURE. Except as expressly amended hereby, the Indenture is in all respects ratified and confirmed and all the terms, conditions and provisions thereof shall remain in full force and effect. This Supplemental
Indenture shall form a part of the Indenture for all purposes, and every holder of Notes heretofore or hereafter authenticated and delivered shall be bound hereby. 
 6. WAIVER. Until the Notes have been paid in full, New Guarantor waives and agrees that it shall not in any manner whatsoever claim or take the benefit or advantage of, any rights of reimbursement, indemnity or
subrogation or any other rights it may have against the Company or any other Restricted Subsidiary that arise as a result of any payment by New Guarantor under this Supplemental Indenture. 
 7. GOVERNING LAW. THIS INDENTURE, THE NOTES AND THE NOTE GUARANTEES SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW
YORK. 
 8. COUNTERPARTS. The parties may sign any number of copies of this Supplemental Indenture. Each signed copy shall be an original,
but all of them together represent the same agreement. 
 9. EFFECT OF HEADINGS. The Section headings herein are for convenience only and
shall not affect the construction hereof. 
 10. TRUSTEE MAKES NO REPRESENTATION. The Trustee makes no representation as to the validity or
sufficiency of this Supplemental Indenture. The recitals and statements contained herein are deemed to be solely those of the New Guarantor and the Company. 







 IN WITNESS WHEREOF, the parties hereto have caused this Supplemental Indenture to be duly executed and attested, all as
of the date first above written. 
 Dated: July 11, 2007 
  


			
	NCOP IX, LLC
		
	By:	 	/s/ Al Zezulinski
		 	Name: Al Zezulinski
		 	Title: President
	
	NCO GROUP, INC.
		
	By:	 	/s/ Michael Barrist
		 	Name: Michael Barrist
		 	Title: President
	
	 THE BANK OF NEW YORK,
as Trustee

		
	By:	 	/s/ Mary LaGumina
		 	Name: Mary LaGumina
		 	Title: Vice President


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