Document:

AGREEMENT

     This agreement is between Artwork and Beyond, Inc., a Delaware Corporation
("'Buyer") and LIEBERMAN' S GALLERY, LLP, a Massachusetts limited liability
partnership ("Lieberman's").

                                    RECITALS
                                    --------

     Lieberman's is in the business of (i) fulfilling orders from wholesale
customers for open edition posters and prints, (ii) providing canvas transfer
and box mounting services for posters and prints to wholesale customers, and
(iii) shipping posters and prints; canvas transfers and box mounted posters and
prints directly to wholesale customers or to any person specified by the
wholesale customer.

     The Buyer's business includes one or more of the following activities:
selling posters and prints, canvas transfers of posters and prints or box or
plaque mounted posters and prints at retail; in each case including to customers
who place orders via the internet, telephone or other electronic means. The
Buyer does not sell posters or prints at wholesale and will not do so during the
term of this agreement.

                                      TERMS
                                      -----

     For good and valuable consideration received by each from the other, Buyer
and Lieberman's hereby agree as follows:

I. "PRODUCTS" means unframed open edition posters and prints available through
Lieberman' s, canvas transfers of such posters and prints, and box or plaque
mountings of such posters and prints. "Open edition" means available from a
publisher or other supplier in sufficient quantity to satisfy Buyer's
requirements therefor. At such time as Lieberman's offers framing services for
posters and prints, it shall so notify Buyer in writing, and thereafter Products
shall also include framed posters and prints and framed canvas transfers of
posters and prints. If Buyer desires to provide framing or other services with
respect to open edition posters and prints it sells to its customers, it shall
so notify Lieberman' s in writing. If within 30 days of its receipt of such
writing Lieberman' s notifies Buyer in writing that it is willing to provide
such services, then Products shall thereafter include open edition poster and
prints with such services provided.

     2. "BUYER'S REQUIREMENTS" means the entire amount of Products purchased by
Buyer with the exception of Products purchased directly from the following
Publishers :

           Art In Motion; Bentley House; Aaron Ashley; NY Graphic;
           Romm Art Creations; Winn Devon; Axelle Posters; A.D, Lines;
           Graphique de France; Rinehardt; Hedgerow; Marco.

<PAGE>

Buyer may, at its option, purchase product from the exempted publishers listed
above or from Lieberman's at any time during the term of this agreement and
Lieberman' s at any time during the term of this agreement and Lieberman's will
Sell such product in accordance with the terms of this agreement.

           3. PURCHASE AND SALE OF PRODUCTS. During the term of this agreement,
Buyer shall purchase, and Lieberman's shall sell to Buyer, Buyer's Requirements
for Products. All orders for Products may be (i) in writing, or, (ii) given via
the internet, by telephone facsimile or other electronic means, in which case
such order shall be deemed received when acknowledged by Lieberman' s in writing
or electronically. Lieberman's shall acknowledge each order promptly after
receipt. If any term of any such order or acknowledgement varies from the terms
of this agreement, the terms of this agreement shall control and the variation
in such order or acknowledgment shall have no effect, except as specifically
agreed in a writing signed by both parties. During the term of this agreement,
Buyer shall not sell Products to retailers or other merchants or resellers. Not
more than once in any 12 month period, Lieberman's may request, and within 30
days of its receipt of such request Buyer shall provide to Lieberman' s, a
certification by Buyer's auditors that Buyer has purchased Buyer's Requirements
for Products from Lieberman's.

           4. PRICE The price payable by Buyer to Lieberman's for the Products
shall be as follows:

           (a) For unframed open edition posters or prints, the price shall be
50% of the published retail prices of the pub1ishers or vendors from whom
Lieberman' s purchases such posters or prints. Additional volume-based discounts
will be applied as described in Schedule B to this agreement for and only for
product ordered for batch shipment direct to buyer.

           (b) For canvas transfers, box frames or other services rendered with
respect to posters or prints, in addition to the amount payable pursuant to
paragraph 4(a), Buyer shall pay the published wholesale prices of the vendors
..from whom Lieberman's purchases such services.

           (c) In addition to the amounts payable pursuant to paragraphs 4(a)
and 4(b), the price for Products shall inclu4e delivery charges as described in
SCHEDULE A to this agreement.

Lieberman's may amend SCHEDULE A from time to time as it deems appropriate to
reflect (i) changes in the cost of services rendered with respect to posters or
prints, (ii) its charges for services added after the execution of this
agreement that may be included in Products, or (iii) changes in the prices
Lieberman's pays for delivery services Lieberman's uses to deliver Products.
Lieberman's shall notify Buyer of any amendment to SCHEDULE A at least 10 days
prior to the effective date of such amendment.

<PAGE>

           5. TERM. The term of this agreement shall be for three years from
Apri122, 2002, and shall automatically extend from year to year thereafter;
provided, that either party may terminate this agreement as of March 31 it of
any calendar year after 2005 by written notice received by the other party at
least 180 days prior to such termination.

           6. DELIVERY AND PAYMENT. Each order of Products shall be shipped on
the date the last of the Products included in such order are received by
Lieberman's. Each shipment of Products shall be by carrier selected by
Lieberman's. Payment terms are net 30 days after the calendar month in which an
invoice is rendered. All payments shall be by check payable to Lieberman's and
mailed to 168 Industrial Drive, Suite 2, Northampton, MA 01060 or such other
address as Lieberman's may from time to time provide to Buyer. Buyer shall pay
to Lieberman's a late charge of 1% per month on all past due payments. If Buyer
fails to comply with any of its payment obligations under this agreement,
regardless of whether Buyer pays any late charge due, if Buyer breaches any of
the terms of its Database User Agreement with Lieberman's referenced in Section
16 hereof, or if Buyer sells any Products to retailers or other merchants or
resellers, in addition to other remedies available to it, :may suspend further
shipments and deliveries under this agreement, and no forbearance, course of
dealings, or prior payment shall affect this right of Lieberman's. Further, if
at any time Buyer's financial responsibility becomes impaired or unsatisfactory
to Lieberman's, or, in Lieberman's opinion, inadequate to meet Buyer's
obligations hereunder, the terms of credit may, at the option of Lieberman's, be
changed or withdrawn, and if withdrawn, Lieberman's at its option may require
cash or satisfactory security before making shipments or deliveries under this
agreement.

           7 .FORCE MAJEURE. If Lieberman's experiences an Event of Force
Majeure. it shall promptly notify Buyer of the existence of such Event of Force
Majeure and, to the extent possible, of the duration and magnitude of any
disability caused thereby. While such Event of Force Majeure continues, Buyer
may purchase its Requirements for Products from third parties. Buyer shall have
no remedy against Lieberman's to the extent Lieberman's is unable to perform on
account of an Event of Force Majeure. "Event of Force Majeure" shall mean (i)
any Act of God, war, mobilization, drought, flood, fire, strike, lockout, labor
disturbance, or accident to machinery, or (ii) failure of usual sources of
supply of Products or services utilized to produce the Products, or any other
event beyond the control of Lieberman's whether similar or dissimilar to the
foregoing.

           8. WARRANTY. If any Product is defective, Buyer's remedy shall be
limited solely to Lieberman's choice of (a) replacement of the Product at no
charge to Buyer or (b) crediting Buyer therefor following disposition thereof by
Buyer in compliance with Lieberman ' s instructions. Posters or prints shall not
be deemed defective solely because tile colors thereof do not match those in any
catalogue, paper~ electronic or otherwise OI" because :image or paper size vari
es by up to one inch in length or width from specified dimensions. Lieberman' s
shall have no other obligation Or liability to Buyer with respect to direct,
incidental or consequential damages arising from any breach of warranty. The
foregoing shall be Buyer's sole remedies and Lieberman's sole obligations with
respect to any defective Product. THERE ARE NO OTHER WARRANTIES, EXPRESS OR
IMPLIED

<PAGE>

INCLUDING ANY W ARRANTY OF :MERCHANTABILITY OR OF FITNESS FOR ANY PARTICULAR
PURPOSE.

           9. CLAIMS. Any claim of Buyer with respect to defective Products,
shortage in count, or any other matter is hereby waived by Buyer unless made
within 10 days after delivery. Buyer shall not deduct the amount of any claim
from amounts due or to become due Lieberman's until such time as Lieberman's has
allowed such claim. Lieberman's shall act on any claim within 20 days after it
is made. If Lieberman's does not reject a claim within such 20 days, that claim
shall be deemed allowed. Only if Lieberman' s has not paid the amount of any
allowed claim to Buyer within 60 days of the allowance of such claim may Buyer
set off the amount of such claim from amounts payable to Lieberman's.

           10. TITLE AND RISK OF LOSS. Title to, and risk of loss of, each
shipment of Products furnished by Lieberman's under this agreement shall pass
from Lieberman's to Buyer upon delivery of such shipment to the place directed
by Buyer.

           11. TAXES. Buyer shall be liable for all sales, use or excise taxes
imposed by any governmental authority, whether existing at the time of this
agreement or subsequently imposed, payable and actually paid by Lieberman's by
reason of the manufacture, sale, delivery or use of Products shipped pursuant to
this agreement.

           12. DATABASE LICENSE. Lieberman's shall make available to Buyer on CD
ROM or other electronic media or at Lieberman's FTP site an image database
containing scanned images provided to Lieberman's by its suppliers pursuant to
nonexclusive license, and Lieberman's copyrighted text database that describes
the image database. Buyer shall be responsible for downloading periodic updates
of such databases. Lieberman's hereby grants to Buyer a nonexclusive license to
download and use its copyrighted text data base and a nonexclusive sublicense to
download and use image data bases provided by its suppliers, in each cage solely
for the purpose of ordering Products from Lieberman's, and only to the extent
permitted by the Terms of Provision and Use Agreement referenced in Section 16
hereof. Such license and sublicense shall expire upon termination of this
agreement, notwithstanding any provision of the Terms of Provision and Use
Agreement to the contrary. Buyer shall be responsible for payment of inbound and
outbound bandwidth charges and all other communications charges associated with
downloading and updating such databases. Buyer recognizes the irreparable injury
which might result to the business of Lieberman's if Buyer should utilize such
databases in contravention of the provisions of this Section 12, and agrees that
in addition to any legal remedies Lieberman's may have, Lieberman' s shall be
entitled to injunctive relief and such other equitable remedies as a. court of
competent jurisdiction may deem appropriate, without the requirement to post any
bond in connection therewith.

           13. AMENDMENT. This agreement may not be amended except by a writing,
signed by Lieberman's and Buyer or their permitted successors or assigns.

           14. CONSTRUCTION. This agreement is intended by the parties as a
final expression of their agreement and as a complete and exclusive statement of
its terms. No course of prior

<PAGE>

dealing between the parties and no usage of trade shall be relevant or
admissible to supplement, explain, or vary any of the terms of this agreement.
No representations, understandings or agreements have been made or relied upon
in the making of this agreement other than those specifically set forth herein.

           15.WAIVERS. No failure by either party to this agreement to exercise
any right hereunder shall operate as a waiver of any other right hereunder, and
a waiver of any right on one occasion shall not constitute a bar to or a waiver
of any such right on any future occasion.

           16. TERMS OF PROVISION AND USE AGREEMENT. The Terms of Provision and
Use Agreement of even date between Lieberman' s and Buyer is hereby incorporated
herein by reference. fu case of any conflict between the provisions hereof and
thereof, the provisions hereof shall govern. Any breach of the Terms of
Provision and Use Agreement shall col1Stitute a default hereunder-

           17 ASSIGNMENT. Either party may assign this agreement, provided,
however, that Buyer. may not assign this agreement without the prior written
consent of Lieberman's, which Lieberman's may withhold at its sole discretion.
If the stock of Buyer is acquired by any person or entity that sells or
manufactures Products, then Lieberman's may terminate this agreement by
delivering 30 days prior written notice to Buyer. If Buyer proposes to sell its
operating assets to any other individual or entity, Buyer shall so notify
Lieberman' s in writing prior to entering into any agreement for such sale.
Buyer shall cause to be a condition of such purchase that the purchaser shall
agree to become bound by the provisions of this agreement by a writing
satisfactory to Lieberman's if Lieberman's consents to the assignment of this
agreement to such purchaser. This agreement shall be binding upon and inure to
the benefit of the parties and their successors and permitted assigns.

           18. NOTICES. Any notice required to be given by this agreement sha11
be addressed as follows:

          (a)    to Lieberman's:
                 Lieberman' s Gallery , attn. Pierre
                 168 Industrial Drive, Suite 2
                 Northampton, MA O 1060

           (b)   to Howard Blum:
                 ArtWork and Beyond, Inc.
                 761-D Coates Avenue
                 Holbrook, New York 11741

or to such other address as Lieberman's or Buyer may specify by notice to the
other. Notices shall be deemed delivered, if delivered in person, upon delivery
, or if mailed, 24 hours after mailing.

<PAGE>

           19. HOLIDAYS. If any date on or before which any party shall be
obliged to give a notice, make a payment, or take any other action under this
agreement, shall fall on Saturday, Sunday or legal holiday, then such notice may
be given, such payment may be made, or such action may be taken, on the next
succeeding business day.

           20. GOVERNING LAW. This agreement shell be construed under and
governed by the laws of the Commonwealth of Massachusetts without regard to tl1e
choice of law rules thereof and each of the parties agrees to the nonexclusive
personal jurisdiction and venue of the u.s. District Court for the District of
Massachusetts and any Massachusetts state court within such district with
respect to any matter arising hereunder.

           21. COUNTERPARTS. This agreement may be executed in counterparts,
each of which shall constitute an original but the several counterparts shall
constitute but one and the same agreement.

           22. CAPTIONS. Captions are used in this agreement only for
convenience and this agreement shall be construed as if captions were not
included.

           Executed this 12tb of April, 2002.
                                                LIEBERMAN'S GALLERY, LLP

                                                 /S/ PAUL LIEBERMAN
                                                 -----------------
                                                By Paul Lieberman,
                                                  its partner duly authorized

                                                ArtWork and Beyond Inc.

                                                /S/ HOWARD BLUM
                                                ----------------
                                                By Howard Blum
                                                its Principal officer

<PAGE>

                                   SCHEDULE A

     Delivery Charges for Deomtic Drop Shipping Within the Continental U.S.
     ----------------------------------------------------------------------

Packages per Week        UPS Ground          2nd Day Air         Next Day Air
-----------------        ----------          -----------         ------------

from        to
  1         24             $9.50               $11.25              $23.50
 25         99             $8.25               $10.00              $22.25
100        249             $8.00                $9.75              $22.00
250        499             $7.50                $9.25              $21.50
500 and up                 $7.00                $8.75              $21.00

US TERRITORIES, ALASKA AND HAWAII
---------------------------------

Packages addressed to Alaska, Hawaii, and Puerto Rico are shipped via U.S.
Postal Service Priority Mail. Shipments to The Virgin Islands and Guam are
treated as international shipments.

                         INTERNATIONAL SHIPPING CHARGES
                         ------------------------------
                INTERNATIONAL POSTAL - NON INSURED - NO TRACKING
                ------------------------------------------------

1 - 10 prints       International $26.00          Canada $18.50
11-20 prints        International $37.00          Canada $29.50
Greater than 20 prints must ship via Express Mail (below) or courier services.
Optional insurance is available for $1.00 per hundred up to $300 of wholesale
value.

                       EXPRESS MAIL - U.S. POSTAL SERVICE
                       ----------------------------------
          EXPEDITED MAIL SERVICE - INSURED TO $500 - LIMITED TRACKING
          -----------------------------------------------------------

Published rate by weight and destination plus $6.00 handling fee.

                   COURIER SERVICES - DHL - UPS - FED EX ETC.
                   ------------------------------------------
       FULL TRACKING AND DELIVERY CONFIRMATION - INSURED TO VALUE OPTION
       -----------------------------------------------------------------

Published rates by weight and destination plus $6.00 handling fee.

<PAGE>

SCHEDULE B
----------

QUANTITY DISCOUNT
     SCHEDULE,
     4/12/2002

Our standard discount is 50% off retail.  All months of less than $500 gross
purchases receive this discount.

Quantity discounts beyond 50% discount vary BY PUBLISHER, depending on:

1.   Your gross monthly purchases.......
     FIND TOTAL MONTHLY PURCHASES IN LEFT-HAND COLUMN.
2.   Which discount group the catalog is in......s
     SEE LISTS OF VENDORS IN DISCOUNT GROUPS A,B,C below

Note: Posters from Group C vendors receive absolutely no discounts below 50%,
but count toward "total # of units in order," thus earning deeper discounts on
orders from other sources.

DISCOUNTS BELOW 50%, for various quantities & discount groups:

Gross          Additional          Remember, only one freight charge per order
monthly        discount            no matter how many catalogs you select from!
purchases      beyond 50%

          Group A        Group B
          -------        -------
$500        5%             0%
$1,000     10%             5%
$1,500     20%            10%
$2,000     25%            10%

(These are our most-discounted vendors)

Catalogs in Discount Group A:

Ariel Press
Artbeats
Art in Motion
Arts Uniq'
Aaron Ashley
Bentley House
Blakeway Panoramas
Paul Brent/H Paul
Canadian Art Prints
Cheyne Walk
Classic Collections
Dina Art
Directional Publishing
Door Center Publishing
Robert Duncan Studios
Escher
Front Line
Galaxy of Graphics
Gamboa Publishing
Haddad's Fine Art
Hedgerow House
Henry Howells
JPS Trad'l
Leslie Levy Fine Art
Modern Art
Mondial Art
NY Graphic
Old World Prints
OpusOne
Paloma Editions
Penny Lane
Pineapple
Porter Design
Portfolio Graphics
Posters Int'l
Rinehart Fine Arts
Romm Art Creations
Rosenstiel's
Rose
Selavy
Sagebrush Fine Art
Shorewood
Sunset Marketing
Richard Thompson
Tate Gallery
Third St. Art
Toh-Atin
Top Art
Wild Apple
Win/Devon

Catalogs in Discount Group B:
(Lesser discounts are offered on these vendors.)

AD Lines
Art Wise
Axelle Posters
Beja, Mitchell
EGIM
Editions Clouet
Editions Limited
English Watercolors
Eurographics/Ricordi
Gallery Editions
Gango Editions
Graphique de France
Icart Vendor Graphics
Icon
Image Connection
Image Conscious
Image Masters
Image Source Int'l
Joan Cawley Gallery
Marco Fine Arts
Museum Editions West
Mystic Seaport
Nouvelles Images
PGM Art World
Re Society
SAI/Sports Art Inc.
Schiftan, Inc.
Te Neues Publishing
Things Graphics & Fine Art
Toh-Atin Gallery
Vargas Fine Art
Webster Fin Art

Catalogs in Discount Group C:
(Absolutely no discounts greater than 50% on this merchandise)

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Exhibit 4.1    
  

 
 

SECOND AMENDED AND RESTATED CERTIFICATE OF INCORPORATION
  OF
  FIRST DATA CORPORATION    
  

        First Data Corporation, a Delaware corporation, the original Certificate of Incorporation of which was filed with the Secretary of State of the State of Delaware
on April 7, 1989 under the name American Express Information Services Company, HEREBY CERTIFIES that this Second Amended and Restated Certificate of Incorporation restating, integrating and
amending its Certificate of Incorporation was duly proposed by its Board of Directors and adopted by its stockholders in accordance with Sections 242 and 245 of the General Corporation Law of
the State of Delaware (the "GCL"). 

RESTATED CERTIFICATE OF INCORPORATION

OF

FIRST DATA CORPORATION  

        FIRST:    The name of the Corporation is: First Data Corporation (the "Corporation"). 

        SECOND:    The registered office of the Corporation is located at Corporation Service Company, 2711 Centerville Road,
Suite 400, in the City of Wilmington, County of New Castle, in the State of Delaware. The name of its registered agent at such address is Corporation Service Company. 

        THIRD:    The purpose of the Corporation is to engage in any lawful act or activity for which a corporation may be organized
under the GCL as set forth in Title 8 thereof. 

        FOURTH:    The total number of shares of stock which the Corporation shall have authority to issue is 2,000,000,000 shares of
Common Stock, each having a par value of $.01, and 10,000,000 shares of Preferred Stock, each having a par value of $1.00 per share. 

        The
Board of Directors is expressly authorized to provide for the issuance of all or any shares of the Preferred Stock in one or more classes or series, and to fix for each such class or
series such voting powers, full or limited, or no voting powers, and such distinctive designations, preferences and relative, participating, optional or other special rights and such qualifications,
limitations or restrictions thereof, as shall be stated and expressed in the resolution or resolutions adopted by the Board of Directors providing for the issuance of such class or series and as may
be permitted by the GCL, including, without limitation, the authority to provide that any such class or series may be (i) subject to redemption at such time or times and at such price or
prices; (ii) entitled to receive dividends (which may be cumulative or non-cumulative) at such rates, on such conditions, at such times, and payable in preference to, or in such
relation to, the dividends payable on any other class or classes or any other series; (iii) entitled to such rights upon the dissolution of, or upon any distribution of the assets of, the
Corporation; or (iv) convertible into, or exchangeable for, shares of any other class or classes of stock, or of any other series of the same or any other class or classes of stock, or other
securities or property, of the Corporation at such price or prices or at such rates of exchange and with such adjustments; all as may be stated in such resolution or resolutions. 

        FIFTH:    A. The business and affairs of the Corporation shall be managed by or under the direction of a Board of Directors
consisting of not less than one nor more than fifteen directors, the exact number of directors to be determined from time to time by resolution adopted by affirmative vote of a majority of the entire
Board of Directors. The directors shall be divided into three classes, designated Class I, Class II and Class III. Each class shall consist, as nearly as may be possible, of
one-third of the total number of directors constituting the entire Board of Directors. Class I directors shall be elected initially for a one-year term, Class II
directors initially for a two-year term and Class III directors initially for a three-year term. At each succeeding annual meeting of stockholders beginning in 1993,
successors to the class of directors whose term expires at that annual meeting shall 

 

be elected for a three-year term. If the number of directors is changed, any increase or decrease shall be apportioned among the classes so as to maintain the number of directors in each
class as nearly equal as possible, and any additional director of any class elected to fill a vacancy resulting from an increase in such class shall hold office for a term that shall coincide with the
remaining term of that class, but in no case will a decrease in the number of directors shorten the term of any incumbent director. A director shall hold office until the annual meeting for the year
in which his term expires and until his successor shall be elected and shall qualify, subject, however, to prior death, resignation, retirement, disqualification or removal from office. Any vacancy on
the Board of Directors may be filled only by a majority of the directors then in office, even if less than a quorum, or a sole remaining director. 

        Any
director elected to fill a vacancy not resulting from an increase in the number of directors shall have the same remaining term as that of his predecessor. 

        B.    A
director may be removed only by the holders of a majority of shares of Common Stock then entitled to vote at an election of directors and only for cause. 

        SIXTH:    A. The Corporation shall indemnify to the fullest extent permitted under and in accordance with the laws of the State
of Delaware any person who was or is a party or is threatened to be made a party to any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative or
investigative by reason of the fact that he is or was a director, officer, employee or agent of the Corporation, or is or was serving at the request of the Corporation as a director, officer, trustee,
employee or agent of or in any capacity with another corporation, partnership, joint venture, trust or other enterprise, against expenses (including attorneys' fees), judgments, fines and amounts paid
in settlement actually and reasonably incurred by him in connection with such action, suit or proceeding if he acted in good faith and in a manner he reasonably believed to be in or not opposed to the
best interests of the Corporation, and, with respect to any criminal action or proceeding, had no reasonable cause to believe his conduct was unlawful. 

        B.    Expenses
incurred in defending a civil or criminal action, suit or proceeding shall (in the case of any action, suit or proceeding against a director of the Corporation)
or may (in the case of any action, suit or proceeding against an officer, trustee, employee or agent of the Corporation) be paid by the Corporation in advance of the final disposition of such action,
suit or proceeding as authorized by the Board of Directors upon receipt of an undertaking by or on behalf of the indemnified person to repay such amount if it shall ultimately be determined that he is
not entitled to be indemnified by the Corporation as authorized in this Article SIXTH. 

        C.    The
indemnification and other rights set forth in this Article SIXTH shall not be exclusive of any provisions with respect thereto in the By-Laws or
any other contract or agreement between the Corporation and any officer, director, employee or agent of the Corporation. 

        D.    Neither
the amendment nor repeal of Section A, B or C of this Article SIXTH nor the adoption of any provision of this Second Restated Certificate of
Incorporation inconsistent with Section A, B or C of Article SIXTH shall eliminate or reduce the effect of Sections A, B and C of this Article SIXTH in respect of any
matter occurring prior to such amendment, repeal or adoption of an inconsistent provision or in respect of any cause of action, suit or claim relating to any such matter which would have given rise to
a right of indemnification or right to receive expenses pursuant to Section A, B or C of this Article SIXTH if such provision had not been so amended or repealed or if a provision
inconsistent therewith had not been so adopted. 

        E.    No
director shall be personally liable to the Corporation or any stockholder for monetary damages for breach of fiduciary duty as a director, except for any matter in
respect of which such director (a) shall be liable under Section 174 of the GCL or any amendment thereto or successor 

2

 

provision thereto or (b) shall be liable by reason that, in addition to any and all other requirements for liability, he: 

	(i)
	shall
have breached his duty of loyalty to the Corporation or its stockholders;

	(ii)
	shall
not have acted in good faith or, in failing to act, shall not have acted in good faith;

	(iii)
	shall
have acted in a manner involving intentional misconduct or a knowing violation of law or, in failing to act, shall have acted in a manner
involving intentional misconduct or a knowing violation of law; or

	(iv)
	shall
have derived an improper personal benefit. 

        If
the GCL is amended after April 9, 1992 to authorize corporate action further eliminating or limiting the personal liability of directors, then the liability of a director of
the Corporation shall be eliminated or limited to the fullest extent permitted by the GCL as so amended. 

        Neither
the amendment nor repeal of this Section E nor the adoption of any provision of this Second Restated Certificate of Incorporation inconsistent with this Section E
shall eliminate or reduce the effect of this Section E in respect of any matter occurring, or any cause of action, suit or claim that, but for this Section E would accrue or arise, prior
to such amendment, repeal or adoption of an inconsistent provision. 

        SEVENTH:    A. Any action required or permitted to be taken by the stockholders of the Corporation may be effected only at a
duly called annual or special meeting of such holders and may not be effected by a consent in writing by such holders in lieu of such a meeting. 

        B.    Notwithstanding
anything in this Second Restated Certificate of Incorporation to the contrary and in addition to any vote of the Board of Directors required by this
Second Restated Certificate of Incorporation, the affirmative vote of the holders of more than 80 percent of the voting power of the Voting Stock then outstanding shall be required to alter,
amend or repeal, or adopt any provision inconsistent with, any provision of this Article SEVENTH. Neither the alteration, amendment or repeal
of this Article SEVENTH nor the adoption of any provision inconsistent with this Article SEVENTH shall eliminate or reduce the effect of this Article SEVENTH in respect of any
matter occurring, or any cause of action, suit or claim that, but for this Article SEVENTH, would accrue or arise, prior to such alteration, amendment, repeal or adoption. 

        EIGHTH:    In accordance with Section 203(b)(3) of the GCL, the Corporation expressly elects not to be governed by
Section 203 of the GCL. 

        NINTH:    In furtherance and not in limitation of the powers conferred by statute, the Board of Directors is expressly
authorized to adopt, amend or repeal the By-Laws of the Corporation. 

        IN WITNESS WHEREOF, First Data Corporation has caused this Certificate to be signed on this 13th day of May 2002 in
its name and attested by duly authorized officers. 

	

ATTEST:	
 	

FIRST DATA CORPORATION
	

/s/  THOMAS A. ROSSI      
	
 	

/s/  MICHAEL T. WHEALY      

	Name:	 	Thomas A. Rossi	 	Name:	 	Michael T. Whealy
	Title:	 	Vice President & Assistant Secretary	 	Title:	 	Executive Vice President, Secretary, General Counsel & Chief Administrative Officer

3

QuickLinks

Exhibit 4.1

SECOND AMENDED AND RESTATED CERTIFICATE OF INCORPORATION OF FIRST DATA CORPORATION

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