Document:

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                                                                    EXHIBIT 10.1

                         AMENDMENT #4 TO LOAN AGREEMENT

      THIS AMENDMENT #4 TO LOAN AGREEMENT (this "AMENDMENT") is entered into as
of June 28, 2004 among CHOICEPOINT FINANCIAL INC., a Delaware corporation
("BORROWER"), CHOICEPOINT INC., a Georgia corporation, in its capacity as the
initial servicer (in such capacity, together with its successors and permitted
assigns in such capacity, the "SERVICER"), THREE PILLARS FUNDING LLC (formerly
known as Three Pillars Funding Corporation), a Delaware limited liability
company (together with its successors and permitted assigns, "LENDER"), and
SUNTRUST CAPITAL MARKETS, INC. (formerly known as SunTrust Equitable Securities
Corporation), a Tennessee corporation, as agent and administrator for Lender (in
such capacity, together with its successor and assigns in such capacity, the
"ADMINISTRATOR") and pertains to the Loan Agreement among the parties hereto
dated as of July 2, 2001 (the "EXISTING AGREEMENT"). Capitalized terms used and
not otherwise defined herein are used with the meanings attributed thereto in
the Existing Agreement.

                                   BACKGROUND

      WHEREAS, Borrower desires that Lender agree to a certain amendment to the
Existing Agreement; and

      WHEREAS, Lender is willing to agree to such amendment on the terms and
subject to the conditions set forth in this Amendment;

      NOW THEREFORE, in consideration of the promises and mutual agreements
herein contained, the parties hereto agree as follows:

      1. AMENDMENT TO NAME OF LENDER. All references in the Existing Agreement
to "Three Pillars Funding Corporation" are hereby deleted and replaced with
"Three Pillars Funding LLC". Three Pillars Funding LLC is a Delaware limited
liability company.

      2. AMENDMENTS TO SECTION 1.1 OF THE EXISTING AGREEMENT. The definitions of
"LIQUIDITY TERMINATION DATE" and "SCHEDULED COMMITMENT TERMINATION DATE" are
hereby amended to delete "June 28, 2004" where it appears and to substitute in
lieu thereof "June 27, 2005."

      3. CONDITIONS PRECEDENT. This Amendment shall become effective as of the
date first above written upon receipt by the Lender of:

            (a) a counterpart hereof duly executed by each of the parties
hereto, and

            (b) receipt by the Lender of an Amended and Restated Fee Letter
increasing the Administrative Fee (as defined therein) from 0.025% per annum to
0.050% per annum.

      4. CONTINUING EFFECT. Except as expressly amended above, the Existing
Agreement remains unaltered and in full force and effect and is hereby ratified
and confirmed.

      5. BINDING EFFECT. This Amendment shall become effective when it shall
have been executed and delivered by each of the parties hereto and thereafter
shall be binding upon and

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inure to the benefit of Borrower, Servicer, Lender and Administrator and their
respective successors and assigns.

      6. EXPENSES. Borrower agrees to pay all reasonable costs and expenses
incurred by Lender and Administrator in connection with the preparation,
execution, delivery, administration and enforcement of, or any breach of this
Amendment, including without limitation the reasonable fees and expenses of
counsel.

      7. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN
ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK (WITHOUT GIVING EFFECT TO THE
CONFLICT OF LAWS PRINCIPLES THEREOF (OTHER THAN SECTION 5-1401 OF THE NEW YORK
GENERAL OBLIGATIONS LAW)).

      8. COUNTERPARTS. This Amendment may be executed in any number of
counterparts, each of which when so executed shall be deemed to be an original
and all of which when taken together shall constitute one and the same
agreement. Delivery of an executed counterpart of a signature page to this
Amendment by facsimile shall be effective as delivery of a manually executed
counterpart of this Amendment.

                            <signature page follows>

                                       2
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                                                                    EXHIBIT 10.1

      IN WITNESS WHEREOF, the parties have caused this Amendment to be executed
by their respective officers thereunto duly authorized, as of the date first
above written.

                                   THREE PILLARS FUNDING LLC, AS LENDER

                                   By:      /s/ Douglas K. Johnson
                                       ---------------------------------------
                                   Name:             Douglas K. Johnson
                                   Title:               President

                                   SUNTRUST CAPITAL MARKETS, INC., AS
                                   ADMINISTRATOR

                                   By:      /s/ David H. Eidson
                                       ---------------------------------------
                                   Name:             David H. Eidson
                                   Title:            Senior Vice President

                                            SunTrust Capital Markets, Inc.

                                   CHOICEPOINT FINANCIAL INC., AS BORROWER

                                   By:               /s/ David E. Trine
                                       ---------------------------------------
                                   Name:             David E. Trine
                                   Title:            Treasurer

                                   CHOICEPOINT INC., AS INITIAL SERVICER

                                   By:               /s/ David E. Trine
                                       ---------------------------------------
                                   Name:             David E. Trine
                                   Title:            Treasurer

                                       3<PAGE>
                                                                               .
                                                                               .
                                                                               .

                                                                     EXHIBIT 4.1

                                  CERTIFICATE

<TABLE>
<S>                                 <C>                                                  <C>
For___________________ Shares       From whom transferred                                Received Certificate No.____
Issued to____________________       ____________________________                         For _________________ Shares
Dated _______________________       Dated ______________________                         on__________________________
                                                                                         ____________________________
                                    NO. ORIGINAL   NO. OF ORIGINAL   NO. OF SHARES       ____________________________
                                    CERTIFICATE        SHARES         TRANSFERRED
</TABLE>

   NO.                ORGANIZED UNDER THE LAWS OF                 SHARES
                        THE STATE OF DELAWARE

                                BRIGHTSTAR CORP.

      8.0% Senior Cumulative Convertible Preferred Stock, Series A, $0.0001 Par
      Value Per Share

THIS CERTIFIES THAT _____________________________________ is hereby issued
_________________________________________ fully paid and non-assessable Shares
of the Capital Stock of the above named Corporation transferable only on the
books of the Corporation by the holder hereof in person or by duly authorized
Attorney upon surrender of this Certificate properly endorsed.

[Illegible]

__________________________                           __________________________
         SECRETARY                                          PRESIDENT

<PAGE>

NOTICE. THE SIGNATURE OF THIS ASSIGNMENT MUST CORRESPOND WITH THE NAME AS
WRITTEN UPON THE FACE OF THE CERTIFICATE, IN EVERY PARTICULAR, WITHOUT
ALTERATION OR ENLARGEMENT OR ANY CHANGE WHATEVER.

      For Value Received, ______ hereby sell, assign and transfer unto
____________________________________________________________________________
_________________________________________________________________ Shares
represented by the within Certificate, and do hereby irrevocably constitute and
appoint ___________________________________________________________ attorney
to transfer the said Shares on the books of the within named Corporation with
full power of substitution in the premises.

   Date _________________ _____
         In presence of
____________________________   ____________________

THESE SECURITIES HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
AMENDED. THEY MAY NOT BE SOLD, OFFERED FOR SALE, PLEDGED OR HYPOTHECATED IN THE
ABSENCE OF A REGISTRATION STATEMENT IN EFFECT WITH THE RESPECT TO THE SECURITIES
UNDER SUCH ACT OR AN OPINION OF COUNSEL SATISFACTORY TO THE CORPORATION THAT
SUCH REGISTRATION IS NOT REQUIRED OR UNLESS SOLD PURSUANT TO AN AVAILABLE
EXEMPTION FROM REGISTRATION UNDER SUCH ACT AND APPLICABLE STATE SECURITIES LAWS.

THE SHARES EVIDENCED HEREBY ARE SUBJECT TO THE STOCKHOLDERS' AGREEMENT OF THE
CORPORATION DATED__________________________________,_________, AS MAY BE AMENDED
FROM TIME TO TIME (A COPY OF WHICH MAY BE OBTAINED UPON WRITTEN REQUEST FROM THE
CORPORATION), WHICH CONTAINS RESTRICTIONS ON THE TRANSFERABILITY OF THE SHARES
EVIDENCED HEREBY, AND BY ACCEPTING ANY INTEREST IN SUCH SHARES THE PERSON
ACCEPTING SUCH INTEREST SHALL BE DEEMED TO AGREE TO AND SHALL BECOME BOUND BY
ALL THE PROVISIONS OF SAID STOCKHOLDERS' AGREEMENT.

<PAGE>

                                  CERTIFICATE

<TABLE>
<S>                                 <C>                                                  <C>
For___________________ Shares       From whom transferred                                Received Certificate No.____
Issued to____________________       ____________________________                         For _________________ Shares
Dated _______________________       Dated ______________________                         on__________________________
                                                                                         ____________________________
                                    NO. ORIGINAL   NO. OF ORIGINAL   NO. OF SHARES       ____________________________
                                    CERTIFICATE        SHARES         TRANSFERRED
</TABLE>

   No.                ORGANIZED UNDER THE LAWS OF                 SHARES
                        THE STATE OF DELAWARE

                                BRIGHTSTAR CORP.

      50,000,000 Shares Common Stock, $0.0001 Par Value

This Certificate that _____________________________________ is hereby issued
_________________________________________ fully paid and non-assessable Shares
of the Capital Stock of the above named Corporation transferable only on the
books of the Corporation by the holder hereof in person or by duly authorized
Attorney upon surrender of this Certification properly endorsed.

[ILLEGIBLE]

___________________________                          __________________________
        SECRETARY                                           PRESIDENT

<PAGE>

NOTICE. THE SIGNATURE OF THIS ASSIGNMENT MUST CORRESPOND WITH THE NAME AS
WRITTEN UPON THE FACE OF THE CERTIFICATE, IN EVERY PARTICULAR, WITHOUT
ALTERATION OR ENLARGEMENT OR ANY CHANGE WHATEVER.

      For Value Received, ______ hereby sell, assign and transfer
[ILLEGIBLE]______________________________________________________________
_________________________________________________________________ Shares
represented by the within Certificate, and do hereby irrevocably constitute and
appoint ____________________________________________________________[ILLEGIBLE]
to transfer the said shares on the books of the within named Corporation with
full power of substitution the premises.

Dated  _________________ _____
            In presence of

"THESE SECURITIES HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
AMENDED. THEY MAY NOT BE SOLD, OFFERED FOR SALE, PLEDGED OR HYPOTHECATED IN THE
ABSENCE OF A REGISTRATION STATEMENT IN EFFECT WITH THE RESPECT TO THE SECURITIES
UNDER SUCH ACT OR AN OPINION OF COUNSEL SATISFACTORY TO THE CORPORATION THAT
SUCH REGISTRATION IS NOT REQUIRED OR UNLESS SOLD PURSUANT TO AN AVAILABLE
EXEMPTION FROM REGISTRATION UNDER SUCH ACT AND APPLICABLE STATE SECURITIES
LAWS."

"THE SHARES EVIDENCED HEREBY ARE SUBJECT TO THE STOCKHOLDERS' AGREEMENT OF THE
CORPORATION DATED DECEMBER _________, 2003, AS MAY BE AMENDED FROM TIME TO TIME
(A COPY OF WHICH MAY BE OBTAINED UPON WRITTEN REQUEST FROM THE CORPORATION),
WHICH CONTAINS RESTRICTIONS ON THE TRANSFERABILITY OF THE SHARES EVIDENCED
HEREBY, AND BY ACCEPTING ANY INTEREST IN SUCH SHARES THE PERSON ACCEPTING SUCH
INTEREST SHALL BE DEEMED TO AGREE TO AND SHALL BECOME BOUND BY ALL THE
PROVISIONS OF SAID STOCKHOLDERS' AGREEMENT."

                                       C-1

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