Document:

Second Supplemental Indenture, dated as of February 27, 2007

 Exhibit 4.6 
 EXECUTION COPY 
 SECOND SUPPLEMENTAL INDENTURE 
 SECOND SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”), dated as of February 27, 2007, among NCO Group, Inc., a Pennsylvania
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 and the Subsidiary 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 11.875% Senior Subordinated Notes due
2014 (the “Notes”); 
 WHEREAS, Section 9.01(8) of the Indenture permits the Company to amend the Indenture without
notice to or consent of any Holder to make any change that, in the good faith opinion of the Board of Directors, does not materially and adversely affect the rights of any Holder; and 
 WHEREAS, the Board of Directors has determined in good faith that the amendment to the Indenture set forth in Section 2 hereof does not materially
and adversely affect the rights of any Holder; and 
 WHEREAS, pursuant to Section 9.01 of the Indenture, the Company, the Subsidiary
Guarantors and the Trustee 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 Company, the Subsidiary Guarantors 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. AMENDMENT. At the Effective Time (as defined herein), Section 5.01(a)(3) of the Indenture shall be amended as follows: 

“(3) either (A) immediately after giving effect to such transaction on a pro forma basis the Company (or the Surviving Person, if
applicable) could Incur at least $1.00 of Indebtedness under the first paragraph of Section 4.09(a) hereof, or (B) the Company (or the Surviving Person, if applicable) would, immediately after giving effect to such transaction and any
related financing transactions on a pro forma basis as if the same had occurred at the beginning of the applicable four quarter period, have a Fixed Charge Coverage Ratio of not less than the Fixed Charge Coverage Ratio of the Company
immediately prior to such transaction;” 
  

 1 

 3. EFFECTIVE TIME. For purposes of this Supplemental Indenture, the “Effective Time” shall mean
10:00 a.m. New York City time on the date first written above. 
 4. NOTICES. All notices or other communications to the Company shall be
given as provided in Section 13.02 of the Indenture. 
 5. 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, this
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. 
 6.
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. 
 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 those of the Company. 
  

 2 

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

			
	NCO GROUP, INC.
		
	By:	 	 /s/ John R. Schwab

	Name:	 	John R. Schwab
	Title:	 	CFO
	
	AC FINANCIAL SERVICES, INC.
	FCA FUNDING, INC.
	NCOCRM FUNDING, INC.
	NCO FUNDING, INC.
	NCO HOLDINGS, INC. F/K/A MANAGEMENT
	 ADJUSTMENT BUREAU FUNDING, INC.

	NCO PORTFOLIO MANAGEMENT, INC. F/K/A
	 NCPM ACQUISITION CORPORATION

	NCOP FINANCING, INC.
	NCO GROUP INTERNATIONAL, INC.
	ALW INVESTMENT COMPANY, INC.
		
	By:	 	 /s/ Gail Susan Ball

	Name:	 	Gail Ball
	Title:	 	Vice President and Treasurer
	
	RMH TELESERVICES ASIA PACIFIC, INC.
		
	By:	 	 /s/ Gail Susan Ball

	Name:	 	Gail Ball
	Title:	 	Vice President

  

 1 
 [Signature page to Senior Subordinated Notes Second Supplemental Indenture] 

			
	NCOP SERVICES, INC.
	NCOP NEVADA HOLDINGS, INC.
	NCOP/MARLIN, INC.
	NCOP STRATEGIC PARTNERSHIP, INC.
	 NCOP I, INC. D/B/A NCO PORTFOLIO
 MANAGEMENT

	 NCOP II, INC. D/B/A NCO PORTFOLIO
 MANAGEMENT

	 NCOP III, INC. D/B/A NCO PORTFOLIO
 MANAGEMENT

	 NCOP IV, INC. D/B/A NCO PORTFOLIO
 MANAGEMENT

	 NCOP V, INC. D/B/A NCO PORTFOLIO
 MANAGEMENT

	 NCOP VI, INC. D/B/A NCO PORTFOLIO
 MANAGEMENT

	 NCOP VII, INC. D/B/A NCO PORTFOLIO
 MANAGEMENT

	NCOP VIII, LLC
		
	By:	 	 /s/ Al Zezulinski

	Name:	 	Al Zezulinski
	Title:	 	Chief Executive Officer
	
	ASSETCARE, INC.
		
	By:	 	 /s/ John Schwab

	Name:	 	John Schwab
	Title:	 	Chief Financial Officer and Treasurer

  

 2 
 [Signature page to Senior Subordinated Notes Second Supplemental Indenture] 

			
	 COMPASS INTERNATIONAL SERVICES
 CORPORATION

	 NCO ACI HOLDINGS, INC. F/K/A
 ASSETCARE, INC.

	COMPASS TELESERVICES, INC.
	NCOP CAPITAL RESOURCE, LLC
	NCO FINANCIAL SYSTEMS, INC.
	NCO TELESERVICES, INC.
		
	By:	 	 /s/ Steven L. Winokur

	Name:	 	Steven L. Winokur
	Title:	 	 Executive Vice President,
 Chief Financial Officer and
Treasurer

	
	JDR HOLDINGS, INC.
		
	By:	 	 /s/ Steven L. Winokur

	Name:	 	Steven L. Winokur
	Title:	 	Treasurer
	
	 NCO CUSTOMER MANAGEMENT, INC. F/K/A
 RMH TELESERVICES, INC.

		
	By:	 	 /s/ Steven L. Winokur

	Name:	 	Steven L. Winokur
	Title:	 	Chief Financial Officer and Treasurer

  

 3 
 [Signature page to Senior Subordinated Notes Second Supplemental Indenture] 

			
	NCO SUPPORT SERVICES, LLC
		
	By:	 	NCO Financial Systems, Inc., its sole member
		
	By:	 	 /s/ Steven L. Winokur

	Name:	 	Steven L. Winokur
	Title:	 	 Executive Vice President,
 Chief Financial Officer and
Treasurer

	
	FCA LEASING, INC.
		
	By:	 	 /s/ Steven L. Winokur

	Name:	 	Steven L. Winokur
	Title:	 	Assistant Secretary
	
	 THE BANK OF NEW YORK
 as
Trustee

		
	By:	 	 /s/ Mary LaGumina

	Name:	 	Mary LaGumina
	Title:	 	Vice President

  

 4 
 [Signature page to Senior Subordinated Notes Second Supplemental Indenture]Third Supplemental Indenture, dated as of February 27, 2007

 Exhibit 4.7 
 EXECUTION COPY 
 THIRD SUPPLEMENTAL INDENTURE 
 THIRD SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”), dated as of February 27, 2007, among Collect Holdings, 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, NCO Group,
Inc., a Pennsylvania corporation (“NCO Group”) and the Subsidiary 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, effective as of the date hereof, NCO Group will be merged with and into the Company, with the Company as the surviving corporation (the “Merger”); 
 WHEREAS, upon the effectiveness of the Merger, the Company will change its name to “NCO Group, Inc.”; 
 WHEREAS, upon effectiveness of the Merger, pursuant to Article V of the Indenture, the Company will assume NCO Group’s obligations under the
Indenture; 
 WHEREAS, pursuant to Section 5.01(a)(4) of the Indenture, each Subsidiary Guarantor shall, by supplemental indenture,
amend its Note Guarantee to apply to the obligations of the Company in accordance with the Notes and the Indenture; and 
 WHEREAS, pursuant
to Section 9.01 of the Indenture, the Trustee and the Company 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 Company, the Subsidiary Guarantors 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. JOINDER TO INDENTURE. The Company hereby agrees to become bound by terms, conditions and other
provisions of the Indenture with all attendant rights, duties and obligations of NCO Group stated therein, with the same force and effect as if the Company had been the initial issuer of the Notes, and in connection therewith expressly assumes the
due and punctual payment of the principal of, premium, if any, and interest and Additional Interest, if any, on, the Notes and the performance of every covenant of the Notes, the Indenture and the Registration Rights Agreement on the part of NCO
Group to be performed or observed thereunder. 
  

 1 

 3. AMENDMENT TO NOTE GUARANTEE. Each Subsidiary Guarantor hereby confirms that its Note Guarantee shall
apply to the obligations of the Company in accordance with the Notes and the Indenture. 
 4. 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, this 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. 
 5. NOTICES. All notices or other communications to the Company shall be given as provided in Section 13.02 of the Indenture. 
 6. 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. 
 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 those of the Company. 
  

 2 

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

			
	COLLECT HOLDINGS, INC.
		
	By:	 	 /s/ Michael J. Barrist

	Name:	 	Michael J. Barrist
	Title:	 	CEO
	
	AC FINANCIAL SERVICES, INC.
	FCA FUNDING, INC.
	NCOCRM FUNDING, INC.
	NCO FUNDING, INC.
	NCO HOLDINGS, INC. F/K/A MANAGEMENT
	          ADJUSTMENT BUREAU FUNDING, INC.
	NCO PORTFOLIO MANAGEMENT, INC. F/K/A
	          NCPM ACQUISITION CORPORATION
	NCOP FINANCING, INC.
	NCO GROUP INTERNATIONAL, INC.
	ALW INVESTMENT COMPANY, INC.
		
	By:	 	 /s/ Gail Susan Ball

	Name:	 	Gail Ball
	Title:	 	Vice President and Treasurer
	
	RMH TELESERVICES ASIA PACIFIC, INC.
		
	By:	 	 /s/ Gail Susan Ball

	Name:	 	Gail Ball
	Title:	 	Vice President
	
	NCOP SERVICES, INC.
	NCOP NEVADA HOLDINGS, INC.

  

 1 
  

 [Signature page to Senior Notes Third Supplemental Indenture] 

			
	NCOP/MARLIN, INC.
	NCOP STRATEGIC PARTNERSHIP, INC.
	NCOP I, INC. D/B/A NCO PORTFOLIO
	          MANAGEMENT
	NCOP II, INC. D/B/A NCO PORTFOLIO
	          MANAGEMENT
	NCOP III, INC. D/B/A NCO PORTFOLIO
	          MANAGEMENT
	NCOP IV, INC. D/B/A NCO PORTFOLIO
	          MANAGEMENT
	NCOP V, INC. D/B/A NCO PORTFOLIO
	          MANAGEMENT
	NCOP VI, INC. D/B/A NCO PORTFOLIO
	          MANAGEMENT
	NCOP VII, INC. D/B/A NCO PORTFOLIO
	          MANAGEMENT
	NCOP VIII, LLC
		
	By:	 	 /s/ Al Zezulinski

	Name:	 	Al Zezulinski
	Title:	 	Chief Executive Officer
	
	ASSETCARE, INC.
		
	By:	 	 /s/ John Schwab

	Name:	 	John Schwab
	Title:	 	Chief Financial Officer and Treasurer

  

 2 
  

 [Signature page to Senior Notes Third Supplemental Indenture] 

			
	COMPASS INTERNATIONAL SERVICES
	          CORPORATION
	NCO ACI HOLDINGS, INC. F/K/A
	          ASSETCARE, INC.
	COMPASS TELESERVICES, INC.
	NCOP CAPITAL RESOURCE, LLC
	NCO FINANCIAL SYSTEMS, INC.
	NCO TELESERVICES, INC.
		
	By:	 	 /s/ Steven L. Winokur

	Name:	 	Steven L. Winokur
	Title:	 	Executive Vice President, Chief Financial Officer and Treasurer
	
	JDR HOLDINGS, INC.
		
	By:	 	 /s/ Steven L. Winokur

	Name:	 	Steven L. Winokur
	Title:	 	Treasurer
	
	NCO CUSTOMER MANAGEMENT, INC. F/K/A
	RMH TELESERVICES, INC.
		
	By:	 	 /s/ Steven L. Winokur

	Name:	 	Steven L. Winokur
	Title:	 	Chief Financial Officer and Treasurer

  

 3 
  

 [Signature page to Senior Notes Third Supplemental Indenture] 

			
	NCO SUPPORT SERVICES, LLC
		
	By:	 	NCO Financial Systems, Inc., its sole member
		
	By:	 	 /s/ Steven L. Winokur

	Name:	 	Steven L. Winokur
	Title:	 	 Executive Vice President,
 Chief Financial Officer and
Treasurer

	
	FCA LEASING, INC.
		
	By:	 	 /s/ Steven L. Winokur

	Name:	 	Steven L. Winokur
	Title:	 	Assistant Secretary
	
	 THE BANK OF NEW YORK
 as
Trustee

		
	By:	 	 /s/ Mary LaGumina

	Name:	 	Mary LaGumina
	Title:	 	Vice President

  

 4 
  

 [Signature page to Senior Notes Third Supplemental Indenture]

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