AC Financial Services, Inc. Watch

from 10-K 30 pages Fourth Amendment to Loan Documents

from 10-K/A 21 pages Third Amendment to Credit Agreement

from 10-K 21 pages Third Amendment to Credit Agreement

from S-4 149 pages $565,000,000 Credit Agreement Dated as of November 15, 2006 Among Collect Holdings, Inc. as Parent Collect Acquisition Corp. Which on the Closing Date Shall Be Merged With and Into Nco Group, Inc. (With Nco Group, Inc. Surviving Such Merger) and Nco Financial Systems, Inc. as Borrowers and the Initial Lenders, Issuing Banks and Swing Line Bank Named Herein as Initial Lenders, Issuing Banks and Swing Line Bank and Morgan Stanley & Co. Incorporated as Collateral Agent and Morgan Stanley Senior Funding, Inc. as Administrative Agent and Citizens’ Bank of Pennsylvania and Fifth Third Bank and National City Bank as Co-Documentation Agents Morgan Stanley Senior Funding, Inc. and J.P. Morgan Securities Inc. as Joint Lead Arrangers and Joint Bookrunners T a B L E O F C O N T E N T S