Exhibit 10.1

2012 AUGUST EXTENSION AMENDMENT (this “ Amendment ”), dated as of August 16, 2012, among FIRST DATA CORPORATION (the “ Borrower ”), each Guarantor, the Lenders party hereto, CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH (formerly known as Credit Suisse, Cayman Islands Branch) as administrative agent (in such capacity, the “ Administrative Agent ”) and as Swingline Lender and Letter of Credit Issuer to the Credit Agreement, dated as of September 24, 2007, as amended and restated on September 28, 2007, as further amended as of August 10, 2010, as further amended as of March 24, 2011, as further amended as of March 13, 2012 (as further amended, supplemented, amended and restated or otherwise modified from time to time, the “ Credit Agreement ”), among the Borrower, the Administrative Agent and the other parties thereto from time to time.  Capitalized terms used and not otherwise defined herein shall have the meanings assigned to them in the Credit Agreement (as amended hereby).

WHEREAS, Section 2.14(f)(i) of the Credit Agreement permits the Lenders of any Existing Class of Term Loans, upon request of the Borrower, to extend the scheduled maturity date of any payment of principal with respect to all or a portion of such Term Loans by converting all or such portion, respectively, of such Term Loans into Extended Term Loans pursuant to the procedures described therein;

WHEREAS, in accordance with such procedures, the Borrower has requested that the Lenders holding Initial Tranche B-1 Term Loans, Initial Tranche B-2 Term Loans, Initial Tranche B-3 Term Loans, Delayed Draw Term Loans, Euro Tranche B-1 Term Loans and Euro Tranche B-2 Term Loans, in each case, that are 2014 Term Loans, extend the scheduled maturity of all or a portion of such 2014 Term Loans by converting all or such portion, respectively, of such 2014 Term Loans into Extended Term Loans pursuant to the procedures described therein;

WHEREAS, on the terms and subject to the conditions set forth in this Amendment, the 2017B Term Lenders are willing to agree to so convert their 2014 Term Loans;

WHEREAS, Section 2.14(f)(iv) of the Credit Agreement permits, subject to the limitations set forth therein, the Credit Parties, the Administrative Agent and the Extending Lenders to (i) enter into an Extension Amendment (as defined in the Credit Agreement) without the consent of any other Lenders to establish such Extended Term Loans and (ii) effect certain amendments to the Credit Agreement and the other Credit Documents with respect to such Extended Term Loans as the Credit Parties, the Administrative Agent and the Extending Lenders may agree;

NOW, THEREFORE, in consideration of the premises contained herein and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto, intending to be legally bound hereby, agree as follows:

Section 1.              Term Loan Maturity Date Extension .  Subject to the terms and conditions set forth in this Amendment and in the Credit Agreement, as of the 2012 August Extension Effective Date (as defined below):

(a)           each 2017B Term Lender: (x) irrevocably offers for exchange into 2017B Term Loans an amount of the Classes of 2014 Term Loans held by such Lender not to exceed, in each case, the respective amounts set forth with respect to

each such Class on such 2017B Term Lender’s signature page hereto, (y) agrees that its 2014 Term Loans of each such Class will, to the extent of its 2017B Term Loan Converted Amount (as defined below) for such Class set forth in Schedule 1.1(c) hereto, be exchanged to become 2017B Term Loans pursuant to the provisions of Section 2.14(f)(i) of the Credit Agreement and (z) agrees that the remainder of its 2014 Term Loans will, to the extent of its 2014 Term Loan Amount set forth in Schedule 1.1(c) hereto, remain outstanding as 2014 Term Loans on the same terms as in existence prior to the 2012 August Extension Effective Date (the actions described in this clause (a) being referred to herein as the “ 2012 August Term Loan Extension ”);

(b)           the 2014 Term Loans of each 2014 Term Lender that has not offered for exchange such 2014 Term Loans shall remain outstanding as 2014 Term Loans as set forth in Schedule 1.1(c) hereto on the same terms as in existence prior to the 2012 August Extension Effective Date; and

(c)           it is agreed that this Amendment shall be deemed to be an Extension Amendment under and as defined in Section 2.14(f)(iv) of the Credit Agreement, that each Class of 2014 Term Loans shall be deemed to be an “Existing Term Loan Class”, the 2017B Term Loans shall be deemed to be “Extended Term Loans” and the 2017B Term Lenders shall be deemed to be “Extending Lenders”, in each case under and as defined in Section 2.14(f) of the Credit Agreement.

(d)           As used herein, the following terms shall have the meanings given them below:

“ 2017B Term Loan Converted Amount ” shall mean, with respect to any Class of 2014 Term Loans of any Lender that became a party to this Amendment by submitting to the Administrative Agent a signature page to this Amendment offering to convert all or a portion of such Lender’s 2014 Term Loans to 2017B Term Loans (the principal amount of such 2014 Term Loans of such Class submitted for conversion by such Lender as set forth on its signature page to this Amendment, the “ Submitted Amount ” of such Lender), an amount (notified to such Lender by the Administrative Agent and rounded upward or downward to the nearest whole $0.01 by the Administrative Agent in its sole discretion) equal to the product of (x) the 2012 August Extension Pro Ration Factor and (y) the Submitted Amount of such Lender.

“ 2012 August Extension Pro Ration Factor ” shall mean the lesser of (i) 1.0 and (ii) a fraction, the numerator of which is $150,000,000 (or such other amount as the Borrower may designate to the Administrative Agent, for the Administrative Agent’s distribution to the Lenders, prior to the 2012 August Extension Effective Date) and the denominator of which is the aggregate of the respective principal amounts of the Submitted Amounts of all Lenders.

Section 2.              Amendments .  The Credit Agreement is, effective as of the 2012 August Extension Effective Date, hereby amended:

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(a)           pursuant to Section 2.14(f)(iv) of the Credit Agreement, to delete the stricken text (indicated textually in the same manner as the following example: ) and to add the double-underlined text (indicated textually in the same manner as the following example: double-underlined text ) as set forth in the pages of the Credit Agreement attached as Exhibit A hereto;

(b)           to replace Schedule 1.1(c) thereto with Schedule 1.1(c) attached to this Amendment; and

(c)           to add, as new Exhibits thereto, Exhibits K-7-A and K-7-B attached to this Amendment.

Section 3.              Representations and Warranties; No Default .  Borrower represents and warrants to the Administrative Agent and each of the Lenders that:

(a)           The execution and delivery of this Amendment is within Borrower’s organizational powers and has been duly authorized by all necessary organizational action on the part of Borrower.  This Amendment has been duly executed and delivered by Borrower and constitutes, a legal, valid and binding obligation of Borrower, enforceable in accordance with its terms, subject to applicable bankruptcy, insolvency or similar laws affecting creditors’ rights generally and subject to general principles of equity.  This Amendment will not violate any Requirement of Law in any material respect, will not violate or result in a default or require any consent or approval under any indenture, agreement (including, without limitation, the Credit Agreement) or other instrument binding upon any Credit Party or its property, or give rise to a right thereunder to require any payment to be made by any Credit Party, except for violations, defaults or the creation of such rights that could not reasonably be expected to result in a Material Adverse Effect.

(b)           After giving effect to this Amendment, the representations and warranties set forth in Section 8 of the Credit Agreement or in any Credit Document are true and correct in all material respects (except where such representations and warranties expressly relate to an earlier date, in which case such representations and warranties shall have been true and correct in all material respects as of such earlier date).

(c)           After giving effect to this Amendment (and the consummation of transactions required by, and contemplated in, this Amendment), no Default or Event of Default has occurred and is continuing.

Section 4.              Effectiveness .  Each Extending Lender shall be deemed to have consented to this Amendment for all purposes requiring its consent.  Each Lender that submits an executed counterpart hereto acknowledges and agrees that in the absence of a change to the terms and conditions of this Amendment (including Exhibit A hereto), in each case that is (x) materially adverse to the Lenders and (y) made after the submission of such executed counterpart, such submission is irrevocable.  This Amendment shall become effective on the date (the “ 2012 August Extension Effective Date ”) on which each of the following conditions is satisfied:

(a)           the Administrative Agent shall have received counterparts of this Amendment executed by the Administrative Agent, Borrower, the Guarantors and

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Extending Lenders holding 2014 Term Loans with respect to which they have agreed to convert all or a portion of such 2014 Term Loans into 2017B Term Loans pursuant to the terms of this Amendment in an aggregate principal amount of at least $150,000,000 (or such lesser amount as the Borrower may designate to the Administrative Agent, for the Administrative Agent’s distribution to the Lenders, prior to the 2012 August Extension Effective Date);

(b)           the Administrative Agent shall have received from Borrower a certificate of an Authorized Officer of the Borrower to the effect that representations and warranties set forth in Section 3 hereof are true and correct on and as of the 2012 August Extension Effective Date;

(c)           the Administrative Agent shall have received (i) a copy of the certificate or articles of incorporation or organization, including all amendments thereto, of each Credit Party, certified, if applicable, as of a recent date by the Secretary of State of the state of its organization, and a certificate as to the good standing (where relevant) of each Credit Party as of a recent date, from such Secretary of State or similar Governmental Authority and (ii) a certificate of an Authorized Officer of each Credit Party dated the 2012 August Extension Effective Date and certifying (A) that attached thereto is a true and complete copy of the by-laws or operating (or limited liability company) agreement of such Credit Party as in effect on the 2012 August Extension Effective Date, (B) that attached thereto is a true and complete copy of resolutions duly adopted by the board of directors (or equivalent governing body) of such Credit Party authorizing the execution, delivery and performance of the Credit Documents to which such Person is a party, and that such resolutions have not been modified, rescinded or amended and are in full force and effect, (C) that the certificate or articles of incorporation or organization of such Credit Party have not been amended since the date of the last amendment thereto shown on the certificate of good standing furnished pursuant to clause (i) above, and (D) as to the incumbency and specimen signature of each officer executing any Credit Document on behalf of such Credit Party and countersigned by another officer as to the incumbency and specimen signature of an Authorized Officer executing the certificate pursuant to clause (ii) above;

(d)           Credit Suisse Securities (USA) LLC and the other entities appointed as such, as joint lead arrangers (the “ Amendment Arrangers ”) in connection with this Amendment, shall have been paid such fees the Amendment Arrangers and the Borrower have separately agreed to; and Borrower shall have paid all reasonable out of pocket costs and expenses of such Amendment Arrangers and the Administrative Agent in connection with the preparation, negotiation and execution of this Amendment (including the reasonable fees and expenses of Cahill Gordon & Reindel LLP as counsel to the Administrative Agent);

(e)           the Administrative Agent shall have received from Simpson Thacher & Bartlett LLP, counsel to the Borrower, an executed legal opinion covering such matters as the Administrative Agent may reasonably request and otherwise reasonably satisfactory to the Administrative Agent; and

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(f)            the Administrative Agent shall have received a completed “Life-of-Loan” Federal Emergency Management Agency Standard Flood Hazard Determination with respect to each Mortgaged Property (together with a notice about special flood hazard area status and flood disaster assistance duly executed by the Borrower and each Credit Party relating thereto) and if any such Mortgaged Property is located in a special flood hazard area, evidence of flood insurance as required under the Flood Insurance Laws.  For purposes of the foregoing, “ Flood Insurance Laws ” means, collectively, (i) the National Flood Insurance Act of 1968 as now or hereafter in effect or any successor statute thereto, (ii) the Flood Disaster Protection Act of 1973 as now or hereafter in effect or any successor statue thereto, (iii) the National Flood Insurance Reform Act of 1994 as now or hereafter in effect or any successor statute thereto and (iv) the Flood Insurance Reform Act of 2004 as now or hereafter in effect or any successor statute thereto.

Section 5.              Post-Effectiveness Covenant .  Within ninety (90) days after the 2012 August Extension Effective Date, unless waived or extended by the Administrative Agent in its sole discretion, the applicable Credit Parties shall take all actions as may be reasonably requested by the Administrative Agent (and that in any event are not beyond the requirements set forth in Section 9.14 to the Credit Agreement) in order to ensure that the 2017B Term Loans benefit from the Mortgages over the Mortgaged Properties.

Section 6.              Counterparts .  This Amendment may be executed in any number of counterparts and by different parties hereto on separate counterparts, each of which when so executed and delivered shall be deemed to be an original, but all of which when taken together shall constitute a single instrument.  Delivery of an executed counterpart of a signature page of this Amendment by facsimile or any other electronic transmission shall be effective as delivery of a manually executed counterpart hereof.

Section 7.              Applicable Law .  THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK.

Section 8.              Headings .  The headings of this Amendment are for purposes of reference only and shall not limit or otherwise affect the meaning hereof.

Section 9.              Effect of Amendment .  Except as expressly set forth herein, (i) this Amendment shall not by implication or otherwise limit, impair, constitute a waiver of or otherwise affect the rights and remedies of the Lenders, the Administrative Agent, any other Agent or the Letter of Credit Issuing Bank, in each case under the Credit Agreement or any other Credit Document, and (ii) shall not alter, modify, amend or in any way affect any of the terms, conditions, obligations, covenants or agreements contained in the Credit Agreement or any other provision of either such agreement or any other Credit Document.  Each and every term, condition, obligation, covenant and agreement contained in the Credit Agreement or any other Credit Document is hereby ratified and re-affirmed in all respects and shall continue in full force and effect.  Each Credit Party reaffirms its obligations under the Credit Documents to which it is party and the validity of the Liens granted by it pursuant to the Security Documents.  This Amendment shall constitute a Credit Document for purposes of the Credit Agreement and from and after the 2012 August Extension Effective Date, all references to the Credit Agreement in

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any Credit Document and all references in the Credit Agreement to “this Agreement,” “hereunder,” “hereof” or words of like import referring to the Credit Agreement, shall, unless expressly provided otherwise, refer to the Credit Agreement as amended by this Amendment.  Each of the Credit Parties hereby consents to this Amendment and confirms that all obligations of such Credit Party under the Credit Documents to which such Credit Party is a party shall continue to apply to the Credit Agreement as amended hereby.  Notwithstanding anything to the contrary contained herein, at any time following the 2012 August Extension Effective Date, the Administrative Agent and the Borrower (without the need to obtain the consent of any Lender) may correct any clerical errors, omissions, ambiguities or defects relating to the submission of signature pages to this Amendment (including, without limitation, the principal amount of Term Loan Classes affected by the extension election and Submitted Amount reflected in such signature pages) and reflect such corrections in Exhibit A to this Amendment.

[Remainder of page intentionally left blank]

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

[FDC 2012 August Extension Amendment]

[FDC 2012 August Extension Amendment]

[FDC 2012 August Extension Amendment]

[FDC 2012 August Extension Amendment]

[FDC 2012 August Extension Amendment]

LENDER SIGNATURE PAGE TO

2012 AUGUST EXTENSION AMENDMENT

Lenders should fill in rows (i) through (vi), as applicable(1), by FIRST filling in the amount of its Current Hold of the applicable loan tranche and SECOND electing to extend EITHER all of the applicable loan tranche (by checking the box) OR a portion of the applicable loan tranche (by filling in the amount of the tranche that such Lender is electing to extend).

Schedule 1.1(c)

[to come under separate cover]

Exhibit K-7-A

[attached]

Exhibit K-7-B

[attached]

$14,000,000,000

€709,219,858.16

CREDIT AGREEMENT (1)

Dated as of September 24, 2007

as Amended and Restated as of September 28, 2007

among

FIRST DATA CORPORATION,
as the Borrower,

The Several Lenders
from Time to Time Parties Hereto,

CREDIT SUISSE, CAYMAN ISLANDS BRANCH,
as Administrative Agent, Swingline Lender
and Letter of Credit Issuer,

CITIBANK, N.A.,

as Syndication Agent,

and

CREDIT SUISSE SECURITIES (USA) LLC,
CITIGROUP GLOBAL MARKETS, INC.,
DEUTSCHE BANK SECURITIES INC.,
GOLDMAN SACHS CREDIT PARTNERS L.P.,
HSBC SECURITIES (USA) INC.,
LEHMAN BROTHERS INC. and
MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED,
as Joint Lead Arrangers and Bookrunners

Cahill Gordon & Reindel LLP
80 Pine Street
New York, New York  10005

(1) This marked version is marked against the amended and restated credit agreement, dated as of September 28, 2007 (the “2007 ARCA”) conformed to reflect the Amendment Agreement, dated as of August 10, 2010 (the “Amendment”), the 2011 Extension Amendment, dated as of March 24, 2011 (the “Extension Amendment”) and the 2012 Extension Amendment, dated as of March 13, 2012 (the “2012 Extension Amendment”).  The 2007 ARCA, conformed to reflect the Amendment, the Extension Amendment and the 2012 Extension Amendment, is herein referred to as the “Conformed Document.”  This Conformed Document is provided for convenience only.  In the event of any conflict between this Conformed Document and any of the 2007 ARCA, the Amendment, the Extension Amendment or the 2012 Extension Amendment, the 2007 ARCA, the Amendment, the Extension Amendment and the 2012 Extension Amendment shall control.

TABLE OF CONTENTS

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EXHIBITS ( 1 2 )                                             

Exhibit A                                                                              Form of Joinder Agreement

Exhibit B                                                                              Form of Guarantee

Exhibit C                                                                              Form of Mortgage (Real Property)

Exhibit D                                                                              Form of Perfection Certificate

Exhibit E                                                                               Form of Pledge Agreement

Exhibit F                                                                                Form of Security Agreement

Exhibit G                                                                              Form of Letter of Credit Request

Exhibit H-1                                                                  Form of Legal Opinion of Simpson Thacher & Bartlett LLP

Exhibit H-2                                                                  Form of Legal Opinion of General Counsel

Exhibit I                                                                                  Form of Credit Party Closing Certificate

Exhibit J                                                                                  Form of Assignment and Acceptance

Exhibit K-1-A                                                     Form of Promissory Note (Initial Tranche B-1 Term Loans)

Exhibit K-1-B                                                     Form of Promissory Note (Initial Tranche B-2 Term Loans)

Exhibit K-1-C                                                     Form of Promissory Note (Initial Tranche B-3 Term Loans)

Exhibit K-2                                                                  Form of Promissory Note (Delayed Draw Term Loans)

Exhibit K-3-A                                                     Form of Promissory Note (2013 Revolving Credit Loans and 2013 Swingline Loans)

Exhibit K-3-B                                                     Form of Promissory Note (2016 Revolving Credit Loans and 2016 Swingline Loans)

Exhibit K-4-A                                                     Form of Promissory Note (Euro Tranche B-1 Term Loans)

Exhibit K-4-B                                                     Form of Promissory Note (Euro Tranche B-2 Term Loans)

Exhibit K-5-A                                                     Form of Promissory Note (2018 Dollar Term Loans)

Exhibit K-5-B                                                     Form of Promissory Note (2018 Euro Term Loans)

Exhibit K-6-A                                                     Form of Promissory Note (2017 Dollar Term Loans)

Exhibit K-6-B                                                     Form of Promissory Note (2017 Euro Term Loans)

Exhibit K-7-A                                                     Form of Promissory Note (2017B Dollar Term Loans)

Exhibit K-7-B                                                     Form of Promissory Note (2017B Euro Term Loans)

Exhibit L                                                                               Form of First Lien Intercreditor Agreement

Exhibit M                                                                           Form of Second Lien Intercreditor Agreement

( 1 2 )         Schedules (other than Schedule 1.1(c) ) and Exhibits (other than Exhibit K-6 are not being amended or restated.

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CREDIT AGREEMENT, dated as of September 24, 2007, as amended and restated as of September 28, 2007, as amended, restated, supplemented or otherwise modified from time to time, among FIRST DATA CORPORATION, a Delaware corporation (the “ Company ” or the “ Borrower ”), the lending institutions from time to time parties hereto (each a “ Lender ” and, collectively, the “ Lenders ”), CREDIT SUISSE, CAYMAN ISLANDS BRANCH, as Administrative Agent, Swingline Lender and Letter of Credit Issuer (such terms and each other capitalized term used but not defined in this preamble having the meaning provided in Section 1 ), CITIBANK, N.A., as Syndication Agent, and CREDIT SUISSE SECURITIES (USA) LLC, CITIGROUP GLOBAL MARKETS, INC., DEUTSCHE BANK SECURITIES INC., GOLDMAN SACHS CREDIT PARTNERS L.P., HSBC SECURITIES (USA) INC., LEHMAN BROTHERS INC. and MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED, as Joint Lead Arrangers and Bookrunners.

WHEREAS, Borrower, the Lenders party thereto (the “ Original Lenders ”), Credit Suisse, Cayman Islands Branch, as administrative agent, swingline lender and letter of credit issuer, Citibank N.A., as syndication agent and Credit Suisse Securities (USA) LLC, Citigroup Global Markets, Inc., Deutsche Bank Securities Inc., Goldman Sachs Credit Partners L.P., HSBC Securities (USA) Inc., Lehman Brothers Inc. and Merrill Lynch, Pierce, Fenner & Smith Incorporated, as joint lead arrangers and bookrunners, originally entered into this Agreement on September 24, 2007 (the “ Original Credit Agreement ”) and the parties hereto desire to amend and restate this Agreement on and subject to the terms and conditions set forth herein;

WHEREAS, pursuant to the Agreement and Plan of Merger (as amended from time to time in accordance therewith, the “ Acquisition Agreement ”), dated as of April 1, 2007, by and among the Company, Holdings and Merger Sub, Merger Sub merged with and into the Company (the “ Merger ”), with the Company surviving the Merger as a wholly-owned Subsidiary of Holdings;

WHEREAS, to fund, in part, the Merger, the Sponsor and the other Initial Investors contributed an amount in cash to Holdings and/or a direct or indirect parent thereof in exchange for Stock and Stock Equivalents (which cash was contributed to the Borrower in exchange for common Stock of the Borrower) (such contribution, the “ Equity Investments ”), which was no less than 22.5% of the aggregate pro forma capitalization of the Borrower on the Original Closing Date (the “ Minimum Equity Amount ”);

WHEREAS, to consummate the transactions contemplated by the Acquisition Agreement, the Borrower entered into (a) a senior unsecured interim loan agreement, dated as of the Original Closing Date, by and among the Borrower, the lenders from time to time parties thereto, Citibank, N.A., as administrative agent, Credit Suisse, Cayman Islands Branch, as syndication agent, and Citigroup Global Markets Inc., Credit Suisse Securities (USA) LLC, Deutsche Bank Securities Inc., Goldman Sachs Credit Partners L.P., HSBC Securities (USA) Inc., Lehman Brothers Inc. and Merrill Lynch, Pierce, Fenner & Smith Incorporated, as joint lead arrangers and bookrunners (as the same may be amended, supplemented or otherwise modified from time to time in accordance therewith, the “ Senior Interim Loan Agreement ”), pursuant to which the Borrower borrowed senior unsecured loans in an aggregate principal amount of $6,500,000,000, which consisted of (a) $3,750,000,000 of senior interim cash pay loans (the “ Senior Interim Cash Pay Loans ”) and (b) $2,750,000,000 of senior interim PIK loans (the “ Senior Interim PIK Loans ” and, together with the Senior Interim Cash Pay Loans, the “ Senior Interim Loans ”); and (b) a senior subordinated interim loan agreement, dated as of the Original Closing Date, by and among the Borrower, the lenders from time to time parties thereto, Citibank, N.A., as administrative agent, Credit Suisse, Cayman Islands Branch, as syndication agent, and Citigroup Global Markets Inc., Credit Suisse Securities (USA) LLC, Deutsche Bank Securities Inc., Goldman Sachs Credit Partners L.P., HSBC Securities (USA) Inc., Lehman Brothers Inc. and Merrill Lynch, Pierce, Fenner & Smith Incorporated, as joint lead arrangers and bookrunners (as the same may be amended,

supplemented or otherwise modified from time to time in accordance therewith, the “ Senior Subordinated Interim Loan Agreement ”), pursuant to which the Borrower borrowed term loans in an aggregate principal amount of $2,500,000,000 (the “ Senior Subordinated Interim Loans ”);

WHEREAS, in connection with the foregoing, (I) the Original Lenders extended credit in the form of (a) Initial Term Loans to the Borrower on the Original Closing Date in Dollars, in an aggregate principal amount of $11,775,000,000, (b) Euro Tranche Term Loans to the Borrower on the Original Closing Date in Euro, in an aggregate principal amount of €709,219,858.16, (c) Delayed Draw Term Loans made available to the Borrower at any time and from time to time prior to the Delayed Draw Term Loan Commitment Termination Date in Dollars an aggregate principal amount at any time outstanding not in excess of $225,000,000 and (d) Revolving Credit Loans made available to the Borrower at any time and from time to time prior to the Revolving Credit Maturity Date in Dollars and Alternative Currencies, in an aggregate Dollar Equivalent principal amount at any time outstanding not in excess of $2,000,000,000 less the sum of (i) the aggregate Letters of Credit Outstanding at such time and (ii) the aggregate principal amount of all Swingline Loans outstanding at such time, and (II) the Letter of Credit Issuer shall issue Letters of Credit at any time and from time to time prior to the L/C Maturity Date, in Dollars and Alternative Currencies in an aggregate Stated Amount at any time outstanding not in excess of $500,000,000 and (III)  the Swingline Lender shall extend credit in the form of Swingline Loans at any time and from time to time prior to the Swingline Maturity Date, in Dollars, in an aggregate principal amount at any time outstanding not in excess of $250,000,000;

WHEREAS, the proceeds of the Initial Term Loans, Euro Tranche Term Loans and up to $200,000,000 of Revolving Credit Loans were used by the Borrower, together with (a) the net proceeds of the Senior Interim Loans and Senior Subordinated Interim Loans, (b) the net proceeds of the Equity Investments on the Original Closing Date (or, in the case of the Debt Repayment, such later date as may be necessary to effect the Debt Repayments in accordance with the tender offers therefor) solely to effect the Merger, to effect the Debt Repayments and to pay Transaction Expenses.  Proceeds of Revolving Credit Loans and Swingline Loans will be used by the Borrower on or after the Original Closing Date for working capital general corporate purposes (including Permitted Acquisitions).  Letters of Credit will be used by the Borrower for general corporate purposes.  Proceeds of the Delayed Draw Term Loans will be used by the Borrower and its Subsidiaries to refinance certain existing indebtedness not tendered on or before the Original Closing Date; and

WHEREAS, the parties hereto desire to amend and restate the Original Credit Agreement in its entirety on the Amendment Effective Date to, inter alia , (i) effect a reallocation of the Initial Tranche B-1 Term Loan Commitments and Initial Tranche B-2 Term Loan Commitments as reflected on Schedule 1.1(c)  hereto and (ii) subdivide the Euro Tranche Term Loan Commitments into Euro Tranche B-1 Term Loan Commitments and Euro Tranche B-2 Term Loan Commitments in the aggregate principal amounts set forth in Schedule 1.1(c) ;

WHEREAS, the parties hereto have agreed to amend and restate the Original Credit Agreement in its entirety to read as set forth in this Agreement, and it has been agreed by the parties to the Original Credit Agreement that the Loans and any Letters of Credit outstanding as of the Amendment Effective Date and other “Obligations” under (and as defined herein) the Original Credit Agreement (including indemnities) shall be governed by and deemed to be outstanding under this Agreement with the intent that the terms of this Agreement shall supersede the terms of the Original Credit Agreement (which shall hereafter have no further effect upon the parties thereto other than with respect to any action, event, representation, warranty or covenant occurring, made or applying prior to the Amendment Effective Date), and all references to the Original Credit Agreement in any Credit Document or other document or instrument delivered in connection therewith shall be deemed to refer to this Agreement and the provisions hereof; provided that (1) the grants of security interests, Mortgages and Liens under and

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pursuant to the Credit Documents shall continue unaltered to secure, guarantee, support and otherwise benefit the Obligations under the Original Credit Agreement of the Borrower and the other Credit Parties under this Agreement and each other Credit Document shall continue in full force and effect in accordance with its terms except as expressly amended thereby or hereby, and the parties hereto hereby ratify and confirm the terms thereof as being in full force and effect and unaltered by this Agreement and (2) it is agreed and understood that this Agreement does not constitute a novation, satisfaction, payment or reborrowing of any Obligation under the Original Credit Agreement or any other Credit Document except as expressly modified by this Agreement, nor does it operate as a waiver of any right, power or remedy of any Lender under any Credit Document (other than the Original Credit Agreement);

NOW, THEREFORE, the parties hereto hereby agree to amend and restate the Original Credit Agreement, and the Original Credit Agreement is hereby amended and restated in its entirety as follows:

SECTION 1.                                       Definitions

1.1.         Defined Terms .

(a)           As used herein, the following terms shall have the meanings specified in this Section 1.1 unless the context otherwise requires (it being understood that defined terms in this Agreement shall include in the singular number the plural and in the plural the singular):

“ 2011 Extension Amendment ” shall mean the Extension Amendment dated March 24, 2011 among First Data Corporation, the other Credit Parties party thereto, the Administrative Agent and the Extending Lenders party thereto .

“ 2011 Extension Effective Date ” shall have the meaning provided in Section 5 of the Extension Amendment.

“ 2011 Revolving Credit Extension ” shall have the meaning provided in Section 2(a) of the 2011 Extension Amendment.

“ 2011 Term Loan Extension ” shall have the meaning provided in Section 1(a) of the Extension Amendment.

“ 2012 August Extension Amendment ” shall mean the Extension Amendment dated August 16, 2012 among First Data Corporation, the other Credit Parties party thereto, the Administrative Agent and the Extending Lenders party thereto.

“ 2012 August Extension Effective Date ” shall have the meaning provided in Section 4(b) of the 2012 August Extension Amendment.

“ 2012 August Term Loan Extension ” shall have the meaning provided in Section 1(a) of the 2012 August Extension Amendment.

“ 2012 Extension Amendment ” shall mean the Extension Amendment dated March 13, 2012 among First Data Corporation, the other Credit Parties party thereto, the Administrative Agent, the Extending Lenders party thereto and the Required Lenders.

“ 2012 Extension Effective Date ” shall have the meaning provided in Section 5(b) of the 2012 Extension Amendment.

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“ 2012 Term Loan Extension ” shall have the meaning provided in Section 1(a) of the 2012 Extension Amendment.

“ 2013 Available Commitment ” shall mean an amount equal to the excess, if any, of (a) the amount of the Total 2013 Revolving Credit Commitment over (b) the sum of (i) the aggregate Dollar Equivalent principal amount of all 2013 Revolving Credit Loans (but not Swingline Loans) then outstanding and (ii) the aggregate Letters of Credit Outstanding under the 2013 Revolving Credit Commitment.

“ 2013 Letter of Credit Fee ” shall have the meaning provided in Section 4.1(c)(i).

“ 2013 Multicurrency Sublimit ” shall mean, at any date, the lesser of (x) $500,000,000 less any amounts outstanding under the 2016 Multicurrency Sublimit and (y) the aggregate 2013 Revolving Credit Commitments at such date.

“ 2013 Revolving Credit Commitment ” shall mean, (a) with respect to each 2013 Revolving Credit Lender on the 2011 Extension Effective Date that does not execute the 2011 Extension Amendment as an Extending Lender, the amount of the Revolving Credit Commitment of such 2013 Revolving Credit Lender which shall terminate on the 2013 Revolving Credit Maturity Date, as such Revolving Credit Commitment may be reduced from time to time pursuant to the terms hereof, (b) in the case of any Lender that receives an assignment of any portion of a 2013 Revolving Credit Commitment that was held by a 2013 Revolving Credit Lender, the amount specified as such Lender’s “Revolving Credit Commitment” in the Assignment and Acceptance pursuant to which such Lender assumed a portion of the Total 2013 Revolving Credit Commitment, as such Revolving Credit Commitment may be reduced from time to time pursuant to the terms hereof and (c) in the case of any 2013 Revolving Credit Lender that increases its 2013 Revolving Credit Commitment or becomes a New Revolving Loan Lender with respect to its 2013 Revolving Credit Commitment, in each case pursuant to Section 2.14, the amount specified in the applicable Joinder Agreement, as such Revolving Credit Commitment may be reduced from time to time pursuant to the terms hereof.  As of the 2011 Extension Effective Date, the aggregate 2013 Revolving Credit Commitments are $744,712,328.77.

“ 2013 Revolving Credit Commitment Percentage ” shall mean at any time, for each 2013 Revolving Credit Lender, the percentage obtained by dividing (a) such Lender’s 2013 Revolving Credit Commitment at such time by (b) the aggregate amount of the 2013 Revolving Credit Commitments at such time; provided that at any time when the 2013 Revolving Credit Commitment shall have been terminated, each Lender’s 2013 Revolving Credit Commitment Percentage shall be the percentage obtained by dividing (a) such Lender’s 2013 Revolving Credit Exposure at such time by (b) the 2013 Revolving Credit Exposure of all Lenders at such time.

“ 2013 Revolving Credit Exposure ” shall mean, with respect to any 2013 Revolving Credit Lender at any time, the sum of (a) the aggregate Dollar Equivalent amount of the principal amount of 2013 Revolving Credit Loans of such Lender then outstanding, (b) such Lender’s Letter of Credit Exposure at such time in respect of such Lender’s 2013 Revolving Credit Commitments and (c) such Lender’s Revolving Credit Commitment Percentage of the aggregate principal amount of all outstanding Swingline Loans at such time in respect of such Lender’s 2013 Revolving Credit Commitments.

“ 2013 Revolving Credit Facility ” shall mean the revolving credit facility represented by the 2013 Revolving Credit Commitments.

“ 2013 Revolving Credit Lender ” shall mean (a) as of the 2011 Extension Effective Date, each Revolving Credit Lender with respect to any Revolving Credit Commitment of such Lender

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(or a portion thereof) that has not been extended pursuant to the 2011 Extensi on Amendment and whose name and the aggregate principal amount of its Revolving Credit Commitment not so extended are set forth on Schedule 1.1(c) to the 2011 Extension Amendment under the heading “2013 Revolving Credit Commitment” and (b) after the 2011 Extension Effective Date, each Lender that holds a 2013 Revolving Credit Commitment.

“ 2013 Revolving Credit Loan ” shall have the meaning provided in Section 2.1(b).

“ 2013 Revolving Credit Maturity Date ” shall mean September 23, 2013 or, if such date is not a Business Day, the next preceding Business Day.

“ 2013 Revolving Final Date ” shall mean, with respect to 2013 Revolving Credit Commitments and Letters of Credit, the date on which the 2013 Revolving Credit Commitments shall have terminated, no 2013 Revolving Credit Loans shall be outstanding and the 2013 Revolving Credit Lenders shall have no more Letter of Credit Exposure.

“ 2013 Swingline Loan ” shall mean any Swingline Loan made pursuant to the 2013 Revolving Credit Commitments.

“ 2014 Term Lender ” shall mean, (a) as of the 2012 August  Extension Effective Date, each Term Lender with respect to any Term Loans of such Lender (or a portion thereof) that has not been extended pursuant to the 2011 Extension Amendment , the 2012 Extension Amendment or the 2012 August  Extension Amendment and whose name and the aggregate principal amount of its Term Loans not so extended are set forth on Schedule 1.1(c) of the 2012 August  Extension Amendment under the heading “2014 Term Loan Amount” (for each such Lender, the “ 2014 Term Loan Amount ”) and (b) after the 2012 August  Extension Effective Date, each Lender that holds a 2014 Term Loan.

“ 2014 Term Loan ” shall mean a Term Loan the maturity of which is the 2014 Term Loan Maturity Date.  The aggregate amount of the Dollar Equivalent of the 2014 Term Loans as of the 2012 August  Extension Effective Date is $ 3,393,967,037.84. 3,087,298,419.62.

“ 2014 Term Loan Amount ” shall have the meaning provided in the definition of “2014 Term Lender”.

“ 2014 Term Loan Facility ” shall mean the 2014 Term Loans.

“ 2014 Term Loan Maturity Date ” shall mean the Initial Term Loan Maturity Date.

“ 2016 Available Commitment ” shall mean an amount equal to the excess, if any, of (a) the amount of the Total 2016 Revolving Credit Commitment over (b) the sum of (i) the aggregate Dollar Equivalent principal amount of all 2016 Revolving Credit Loans (but not Swingline Loans) then outstanding and (ii) the aggregate Letters of Credit Outstanding under the 2016 Revolving Credit Commitment.

“ 2016 Letter of Credit Fee ” shall have the meaning provided in Section 4.1(c)(ii).

“ 2016 Multicurrency Sublimit ” shall mean, at any date, the lesser of (x) $500,000,000 less any amounts outstanding under the 2013 Multicurrency Sublimit and (y) the aggregate 2016 Revolving Credit Commitments at such date.

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“ 2016 Revolving Credit Commitment ” shall mean, (a) with respect to each 2016 Revolving Credit Lender on the 2011 Extension Effective Date, the amount set forth on Schedule 1.1(c) to the 2011 Extension Amendment under the heading “2016 Revolving Credit Commitment”, as such Revolving Credit Commitment may be reduced from time to time pursuant to the terms hereof, (b) in the case of any Lender that receives an assignment of any portion of a 2016 Revolving Credit Commitment that was held by a 2016 Revolving Credit Lender, the amount specified as such Lender’s “Revolving Credit Commitment” in the Assignment and Acceptance pursuant to which such Lender assumed a portion of the Total 2016 Revolving Credit Commitment, as such Revolving Credit Commitment may be reduced from time to time pursuant to the terms hereof and (c) in the case of any 2016 Revolving Credit Lender that increases its 2016 Revolving Credit Commitment or becomes a New Revolving Loan Lender with respect to its 2016 Revolving Credit Commitment, in each case pursuant to Section 2.14, the amount specified in the applicable Joinder Agreement, as such Revolving Credit Commitment may be reduced from time to time pursuant to the terms hereof.  As of the 2011 Extension Effective Date, the aggregate 2016 Revolving Credit Commitments are $1,004,230,136.98.

“ 2016 Revolving Credit Commitment Percentage ” shall mean at any time, for each 2016 Revolving Credit Lender, the percentage obtained by dividing (a) such Lender’s 2016 Revolving Credit Commitment at such time by (b) the aggregate amount of the 2016 Revolving Credit Commitments at such time; provided that at any time when the 2016 Revolving Credit Commitment shall have been terminated, each Lender’s 2016 Revolving Credit Commitment Percentage shall be the percentage obtained by dividing (a) such Lender’s 2016 Revolving Credit Exposure at such time by (b) the 2016 Revolving Credit Exposure of all Lenders at such time.

“ 2016 Revolving Credit Exposure ” shall mean, with respect to any 2016 Revolving Credit Lender at any time, the sum of (a) the aggregate Dollar Equivalent amount of the principal amount of 2016 Revolving Credit Loans of such Lender then outstanding, (b) such Lender’s Letter of Credit Exposure at such time in respect of such Lender’s 2016 Revolving Credit Commitments and (c) such Lender’s Revolving Credit Commitment Percentage of the aggregate principal amount of all outstanding Swingline Loans at such time in respect of such Lender’s 2016 Revolving Credit Commitments.

“ 2016 Revolving Credit Facility ” shall mean the revolving credit facility represented by the 2016 Revolving Credit Commitments.

“ 2016 Revolving Credit Lender ” shall mean (a) as of the 2011 Extension Effective Date, each Revolving Credit Lender with respect to any Revolving Credit Commitment of such Lender (or a portion thereof) that have not been extended pursuant to the 2011 Extension Amendment and whose name and the aggregate principal amount of its Revolving Credit Commitment not so extended are set forth on Schedule 1.1(c) to the 2011 Extension Amendment under the heading “2016 Revolving Credit Commitment” and (b) after the 2011 Extension Effective Date, each Lender that holds a 2016 Revolving Credit Commitment.

“ 2016 Revolving Credit Loan ” shall have the meaning provided in Section 2.1(b).

“ 2016 Revolving Credit Maturity Date ” shall mean the earliest of (i) June 24, 2015 (or, if such date is not a Business Day, the next preceding Business Day), if on such date the aggregate outstanding principal amount of the Borrower’s 9.875% Senior Notes due 2015 and 10.55% Senior Notes due 2015 exceeds $750.0 million, (ii) December 31, 2015 (or, if such date is not a Business Day, the next preceding Business Day), if on such date the aggregate outstanding principal amount of the Borrower’s 11.25% Senior Subordinated Notes due 2016 exceeds $750.0 million

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and (iii) September 24, 2016 (or, if such date is not a Business Day, the next preceding Business Day).

“ 2016 Revolving Final Date ” shall mean, with respect to 2016 Revolving Credit Commitments and Letters of Credit, the date on which the 2016 Revolving Credit Commitments shall have terminated, no 2016 Revolving Credit Loans shall be outstanding and the 2016 Revolving Credit Lenders shall have no more Letter of Credit Exposure.

“ 2016 Swingline Loan ” shall mean any Swingline Loan made pursuant to the 2016 Revolving Credit Commitments.

“ 2017 Dollar Term Loan ” shall mean an Initial Tranche B-1 Term Loan, Initial Tranche B-2 Term Loan, Initial Tranche B-3 Term Loan or Delayed Draw Term Loan the maturity of which has been extended to the 2017 Term Loan Maturity Date pursuant to the 2012 Extension Amendment.  The aggregate amount of the 2017 Dollar Term Loans as of the 2012 Extension Effective Date is $2,153,655,492.24.

“ 2017 Dollar Term Loan Repayment Amount ” shall have the meaning provided in Section 2.5(b)(z) .

“ 2017 Dollar Term Loan Repayment Date ” shall have the meaning provided in Section 2.5(b) .

“ 2017 Euro Term Loan ” shall mean a Euro Tranche B-1 Term Loan or Euro Tranche B-2 Term Loan the maturity of which has been extended to the 2017 Term Loan Maturity Date pursuant to the 2012 Extension Amendment.  The aggregate amount of the 2017 Euro Term Loans as of the 2012 Extension Effective Date is €167,450,751.70.

“ 2017 Euro Term Loan Repayment Amount ” shall have the meaning provided in Section 2.5(b)(z) .

“ 2017 Euro Term Loan Repayment Date ” shall have the meaning provided in Section 2.5(b) .

“ 2017 Term Lender ” shall mean, (a) as of the 2012 Extension Effective Date, each Term Lender with respect to any 2014 Term Loans of such Lender (or a portion thereof) that has been extended pursuant to the 2012 Extension Amendment and whose name and the aggregate principal amount of its Term Loans so extended are set forth on Schedule 1.1(c) to the 2012 Extension Amendment under the heading “2017 Term Loan Amount” (for each such Lender, the “ 2017 Term Loan Amount ”) and (b) after the 2012 Extension Effective Date, each Lender that holds a 2017 Term Loan.

“ 2017 Term Loan ” shall mean a 2017 Dollar Term Loan or a 2017 Euro Term Loan, as the case may be.

“ 2017 Term Loan Amount ” shall have the meaning provided in the definition of “2017 Term Lender”.

“ 2017 Term Loan Facility ” shall mean the 2017 Term Loans.

“ 2017 Term Loan Maturity Date ” shall mean March 24, 2017 or, if such date is not a Business Day, the next preceding Business Day.

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“ 2017B Dollar Term Loan ” shall mean an Initial Tranche B-1 Term Loan, Initial Tranche B-2 Term Loan, Initial Tranche B-3 Term Loan or Delayed Draw Term Loan the maturity of which has been extended to the 2017B Term Loan Maturity Date pursuant to the 2012 August Extension Amendment.  The aggregate amount of the 2017B Dollar Term Loans as of the 2012 August Extension Effective Date is $282,164,014.99.

“ 2017B Dollar Term Loan Repayment Amount ” shall have the meaning provided in Section 2.5(b)(aa).

“ 2017B Dollar Term Loan Repayment Date ” shall have the meaning provided in Section 2.5(b).

“ 2017B Euro Term Loan ” shall mean a Euro Tranche B-1 Term Loan or Euro Tranche B-2 Term Loan the maturity of which has been extended to the 2017B Term Loan Maturity Date pursuant to the 2012 August Extension Amendment.  The aggregate amount of the 2017B Euro Term Loans as of the 2012 August Extension Effective Date is €10,986,307.40.

“ 2017B Euro Term Loan Repayment Amount ” shall have the meaning provided in Section 2.5(b)(aa).

“ 2017B Euro Term Loan Repayment Date ” shall have the meaning provided in Section 2.5(b).

“ 2017B Term Lender ” shall mean, (a) as of the 2012 August Extension Effective Date, each Term Lender with respect to any 2014 Term Loans of such Lender (or a portion thereof) that has been extended pursuant to the 2012 August Extension Amendment and whose name and the aggregate principal amount of its Term Loans so extended are set forth on Schedule 1.1(c) to the 2012 August Extension Amendment under the heading “2017B Term Loan Amount” (for each such Lender, the “ 2017B Term Loan Amount ”) and (b) after the 2012 August Extension Effective Date, each Lender that holds a 2017B Term Loan.

“ 2017B Term Loan ” shall mean a 2017B Dollar Term Loan or a 2017B Euro Term Loan, as the case may be.

“ 2017B Term Loan Amount ” shall have the meaning provided in the definition of “2017B Term Lender”.

“ 2017B Term Loan Facility ” shall mean the 2017B Term Loans.

“ 2017B Term Loan Maturity Date ” shall mean March 24, 2017 or, if such date is not a Business Day, the next preceding Business Day.

“ 2018 Dollar Term Loan ” shall mean an Initial Tranche B-1 Term Loan, Initial Tranche B-2 Term Loan, Initial Tranche B-3 Term Loan or Delayed Draw Term Loan the maturity of which has been extended to the 2018 Term Loan Maturity Date pursuant to the 2011 Extension Amendment.  The aggregate amount of the 2018 Dollar Term Loans as of the 2011 Extension Effective Date is $4,250,017,089.16.

“ 2018 Dollar Term Loan Repayment Amount ” shall have the meaning provided in Section 2.5(b)(y) .

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“ 2018 Dollar Term Loan Repayment Date ” shall have the meaning provided in Section 2.5(b) .

“ 2018 Euro Term Loan ” shall mean a Euro Tranche B-1 Term Loan or Euro Tranche B-2 Term Loan the maturity of which has been extended to the 2018 Term Loan Maturity Date pursuant to the 2011 Extension Amendment.  The aggregate amount of the 2018 Euro Term Loans as of the 2011 Extension Effective Date is €311,197,526.32.

“ 2018 Euro Term Loan Repayment Amount ” shall have the meaning provided in Section 2.5(b)(y) .

“ 2018 Euro Term Loan Repayment Date ” shall have the meaning provided in Section 2.5(b) .

“ 2018 Term Lender ” shall mean, (a) as of the 2011 Extension Effective Date, each Term Lender with respect to any 2014 Term Loans of such Lender (or a portion thereof) that has been extended pursuant to the 2011 Extension Amendment and whose name and the aggregate principal amount of its Term Loans so extended are set forth on Schedule 1.1(c) to the 2011 Extension Amendment under the heading “2018 Term Loan Amount” (for each such Lender, the “ 2018 Term Loan Amount ”) and (b) after the 2011 Extension Effective Date, each Lender that holds a 2018 Term Loan.

“ 2018 Term Loan ” shall mean a 2018 Dollar Term Loan or a 2018 Euro Term Loan, as the case may be.

“ 2018 Term Loan Amount ” shall have the meaning provided in the definition of “2018 Term Lender”.

“ 2018 Term Loan Facility ” shall mean the 2018 Term Loans.

“ 2018 Term Loan Maturity Date ” shall mean March 24, 2018 or, if such date is not a Business Day, the next preceding Business Day.

“ ABR ” shall mean for any day a fluctuating rate per annum equal to the higher of (a) the Federal Funds Effective Rate plus 1/2 of 1% and (b) the rate of interest in effect for such day as announced from time to time by the Administrative Agent as its “prime rate”.  The “prime rate” is a rate set by the Administrative Agent based upon various factors including the Administrative Agent’s costs and desired return, general economic conditions and other factors, and is used as a reference point for pricing some loans, which may be priced at, above, or below such announced rate.  Any change in the ABR due to a change in such rate announced by the Administrative Agent or in the Federal Funds Effective Rate shall take effect at the opening of business on the day specified in the announcement of such change.

“ ABR Loan ” shall mean each Loan bearing interest based on the ABR and, in any event, shall (i) include all Swingline Loans and (ii) exclude all Loans denominated in Alternative Currencies.

“ Acquired EBITDA ” shall mean, with respect to any Acquired Entity or Business or any Converted Restricted Subsidiary (any of the foregoing, a “ Pro Forma Entity ”) for any period, the amount for such period of Consolidated EBITDA of such Pro Forma Entity (determined using such definitions as if references to the Borrower and its Restricted Subsidiaries therein were to such Pro Forma Entity and its Restricted Subsidiaries), all as determined on a consolidated basis for such Pro Forma Entity.

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“ Acquired Entity or Business ” shall have the meaning provided in the definition of the term “Consolidated EBITDA.”

“ Acquisition Agreement ” shall have the meaning provided in the preamble to this Agreement.

“ Additional Swingline Lender ” shall mean any lender of Additional Swingline Loans hereunder.

“ Additional Swingline Loan ” shall have the meaning provided in Section 2.1(c) .

“ Additional Swingline Maximum Amount ” shall mean an aggregate principal amount equal to $200,000,000.

“ Adjusted Total Delayed Draw Term Loan Commitment ” shall mean at any time the Total Delayed Draw Term Loan Commitment less the Delayed Draw Term Loan Commitments of all Defaulting Lenders.

“ Adjusted Total Euro Tranche Term Loan Commitment ” shall mean at any time the Total Euro Tranche Term Loan Commitment less the Euro Tranche Term Loan Commitments of all Defaulting Lenders.

“ Adjusted Total Initial Term Loan Commitment ” shall mean at any time the Total Initial Term Loan Commitment less the Initial Term Loan Commitments of all Defaulting Lenders.

“ Adjusted Total Revolving Credit Commitment ” shall mean at any time the Total Revolving Credit Commitment less the aggregate Revolving Credit Commitments of all Defaulting Lenders.

“ Adjusted Total Term Loan Commitment ” shall mean at any time the Total Term Loan Commitment less the Term Loan Commitments of all Defaulting Lenders.

“ Administrative Agent ” shall mean Credit Suisse, as the administrative agent for the Lenders under this Agreement and the other Credit Documents, or any successor administrative agent pursuant to Section 12.9 .

“ Administrative Agent’s Office ” shall mean the Administrative Agent’s address and, as appropriate, account as set forth on Schedule 13.2 to the Original Credit Agreement or such other address or account as the Administrative Agent may from time to time notify to the Borrower and the Lenders.

“ Administrative Questionnaire ” shall have the meaning provided in Section 13.6(b) .

“ Affiliate ” shall mean, with respect to any Person, any other Person directly or indirectly controlling, controlled by, or under direct or indirect common control with such Person.  A Person shall be deemed to control another Person if such Person possesses, directly or indirectly, the power to direct or cause the direction of the management and policies of such other Person, whether through the ownership of voting securities, by contract or otherwise.

“ Agent Parties ” shall have the meaning provided in Section 13.17(c) .

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“ Agents ” shall mean the Administrative Agent, the Collateral Agent, the Syndication Agent and each Joint Lead Arranger and Bookrunner.

“ Aggregate Multicurrency Exposures ” shall have the meaning provided in Section 5.2(b) .

“ Aggregate Revolving Credit Outstandings ” shall have the meaning provided in Section 5.2(b) .

“ Agreement ” shall mean, on any date, the Original Credit Agreement as amended and restated hereby and as the same may thereafter from time to time be further amended, supplemented, amended and restated or otherwise modified and in effect on such date in accordance with the terms hereof.

“ Agreement Currency ” shall have the meaning provided in Section 13.19 .

“ Alternative Currency ” shall mean Euro, British Pounds Sterling and any other currency acceptable to the Administrative Agent that is freely convertible into Dollars and readily available in the London interbank market.

“ Amendment Agreement ” shall mean that certain Amendment Agreement to the Amended and Restated Credit Agreement, which amends this Agreement, dated as of August 10, 2010, among the Borrower, the Guarantors, the Administrative Agent and the Required Lenders.

“ Amendment Effective Date ” shall mean September 28, 2007.

“ Amendment No. 1 Effective Date ” shall mean the date on or before November 8, 2010 on which all conditions to effectiveness set forth in Sections 4(a) and 4(b) of the Amendment Agreement have been satisfied.

“ Applicable ABR Margin ” shall mean, at any date:

(a) with respect to each ABR Loan that is an Initial Term Loan, Delayed Draw Term Loan, a 2013 Revolving Credit Loan or a 2013 Swingline Loan, the applicable percentage per annum set forth below based upon the Status in effect on such date:

(b) with respect to each ABR Loan that is either a 2016 Revolving Credit Loan, 2016 Swingline Loan or a 2018 Dollar Term Loan 3.00% per annum . ; and

(c) with respect to each ABR Loan that is a 2017 Dollar Term Loan or a 2017B Dollar Term Loan 4.00% per annum .

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Notwithstanding the foregoing, Level I Status shall apply during the period from and including the Original Closing Date to but excluding the Trigger Date.

“ Applicable Amount ” shall mean, at any time (the “ Applicable Amount Reference Time ”), an amount equal to (a) the sum, without duplication, of:

(i)           an amount (which shall not be less than zero) equal to the greater of (x) 50% of Cumulative Consolidated Net Income of the Borrower and the Restricted Subsidiaries for the period from the first day of the first full fiscal quarter commencing after the Original Closing Date until the last day of the then most recent fiscal quarter or fiscal year, as applicable, for which Section 9.1 Financials have been delivered and (y) (A) the cumulative amount of Excess Cash Flow of the Borrower and the Restricted Subsidiaries for all fiscal years (or, in the case of the fiscal year ending on or about December 31, 2007, the portion of the fiscal year) completed after the Original Closing Date (commencing with and including the portion of the fiscal year ending on or about December 31, 2007 following the Original Closing Date) and prior to the Applicable Amount Reference Time, minus (B) the portion of such Excess Cash Flow that has been (or is required to be) applied after the Original Closing Date and prior to the Applicable Amount Reference Time to the prepayment of Loans in accordance with Section 5.2(a)(ii );

(ii)            to the extent not (A) already included in the calculation of Consolidated Net Income of the Borrower and the Restricted Subsidiaries or (B) already reflected as a return of capital or deemed reduction in the amount of such Investment, the aggregate JV Distribution Amount received by the Borrower or any Restricted Subsidiary during the period from and including the Business Day immediately following the Original Closing Date through and including the Applicable Amount Reference Time;

(iii)            to the extent not (A) already included in the calculation of Consolidated Net Income of the Borrower and the Restricted Subsidiaries, (B) already reflected as a return of capital or deemed reduction in the amount of such Investment and (C) required to be applied to prepay Term Loans in accordance with Section 5.2(a) , the aggregate amount of all Net Cash Proceeds received by the Borrower or any Restricted Subsidiary in connection with the sale, transfer or other disposition of its ownership interest in any joint venture that is not a Subsidiary or in any Unrestricted Subsidiary, in each case, to the extent of the Investment in such joint venture or Unrestricted Subsidiary following the Original Closing Date, during the period from and including the Business Day immediately following the Original Closing Date through and including the Applicable Amount Reference Time;

(iv)           other than for purposes of Section 10.6(c) , the aggregate amount of Retained Declined Proceeds retained by the Borrower during the period from and including the Business Day immediately following the Original Closing Date through and including the Applicable Amount Reference Time; and

(v)           the amount of any capital contributions (other than (A) the Equity Investments, (B) the Cure Amount, (C) any amount added back in the definition of Consolidated EBITDA pursuant to clause (a)(viii)  thereof, (D) any contributions in respect of Disqualified Equity Interests and (E) any amount applied to redeem Stock or Stock Equivalents of the Borrower pursuant to Section 10.6(a) ) made in cash to, or any proceeds of an equity issuance received by, the Borrower from and including the Business Day immediately following the Original Closing Date through and including the Applicable Amount Reference Time, including proceeds from the issuance of Stock or Stock Equivalents of any direct or indirect parent of the Borrower;

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minus (b) the sum, without duplication, of:

(i)           the aggregate amount of Investments made pursuant to Section 10.5(g)(ii)(y) , 10.5(i)(y)  or 10.5(v)(y) following the Original Closing Date and prior to the Applicable Amount Reference Time (with regard to Investments made pursuant to Section 10.5(g)(ii)(y) , net of any return of capital in respect of such Investment or deemed reduction in the amount of such Investment including, without limitation, upon the re-designation of any Unrestricted Subsidiary as a Restricted Subsidiary or the Disposition of any such Investment);

(ii)            the aggregate amount of dividends pursuant to Section 10.6(c)(y)  (or amounts loaned or advanced pursuant to Section 10.5(m)  in lieu of such dividends) following the Original Closing Date and prior to the Applicable Amount Reference Time; and

(iii)            the aggregate amount of prepayments, repurchases and redemptions of Senior Notes, Senior Interim Loans, Senior Subordinated Notes, Senior Subordinated Interim Loans and Permitted Additional Debt pursuant to subclause (2) of Section 10.7(a)(y)(i)  following the Original Closing Date and prior to the Applicable Amount Reference Time.

“ Applicable LIBOR Margin ” shall mean, at any date:

(a) with respect to each LIBOR Loan that is an Initial Term Loan, Delayed Draw Term Loan, Euro Tranche Term Loan or 2013 Revolving Credit Loan, the applicable percentage per annum set forth below based upon the Status in effect on such date:

(b) with respect to each LIBOR Loan that is either a 2016 Revolving Credit Loan or a 2018 Term Loan 4.00% per annum . ; and

(c) with respect to each LIBOR Loan that is a 2017 Term Loan or a 2017B Term Loan 5.00% per annum .

Notwithstanding the foregoing, Level I Status shall apply during the period from and including the Original Closing Date to but excluding the Trigger Date.

“ Applicable Premium ” shall mean, as of any date upon which a prepayment is payable pursuant to Section 5.1(b) , the present value at such date, computed using a discount rate equal to the Treasury Rate plus 50 basis points, of all interest that would accrue on the applicable Repaid Tranche B-3 Loans from such date to the date which is 3.25 years following the Original Closing Date, computed using the LIBOR Rate for an Interest Period of three months plus the Applicable LIBOR Margin in effect on such date.

“ Approved Fund ” shall mean any Fund that is administered or managed by (a) a Lender, (b) an Affiliate of a Lender or (c) an entity or an Affiliate of an entity that administers or manages a Lender.

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“ Asset Sale Prepayment Event ” shall mean any Disposition of any business units, assets or other property of the Credit Parties or any of their Restricted Subsidiaries not in the ordinary course of business (including any Disposition of any Stock or Stock Equivalents of any Subsidiary of the Borrower owned by the Borrower or a Restricted Subsidiary).  Notwithstanding the foregoing, the term “Asset Sale Prepayment Event” shall not include any transaction permitted by Section 10.4 (other than transactions permitted by Section 10.4(b)  and Section 10.4(o) , which shall constitute Asset Sale Prepayment Events).

“ Assignment and Acceptance ” shall mean (a) an assignment and acceptance substantially in the form of Exhibit J to the Original Credit Agreement, or such other form as may be approved by the Administrative Agent and (b) in the case of any assignment of Term Loans in connection with a Permitted Debt Exchange conducted in accordance with Section 2.15 , such form of assignment (if any) as may have been requested by the Administrative Agent in accordance with Section 2.15(a) .

“ Authorized Officer ” shall mean the Chief Executive Officer, President, the Chief Financial Officer, the Treasurer, the Vice President-Finance or any other senior officer of the Borrower designated as such in writing to the Administrative Agent by the Borrower.

“ Auto-Extension Letter of Credit ” shall have the meaning provided in Section 3.2(d) .

“ Available Delayed Draw Commitment ” shall mean an amount equal to the excess, if any, of (a) the amount of the Total Delayed Draw Term Loan Commitment over (b) the aggregate principal amount of all Delayed Draw Term Loans.

“ Bankruptcy Code ” shall have the meaning provided in Section 11.5 .

“ BBA LIBOR ” shall have the meaning provided in the definition of “LIBOR Rate.”

“ benefited Lender ” shall have the meaning provided in Section 13.8 .

“ Board ” shall mean the Board of Governors of the Federal Reserve System of the United States (or any successor).

“ Borrower ” shall have the meaning provided in the preamble to this Agreement.

“ Borrowing ” shall mean and include (a) the incurrence of Swingline Loans from the Swingline Lender on a given date and (b) the incurrence of one Class and Type of Loan on a given date (or resulting from conversions on a given date) having a single Maturity Date and in the case of LIBOR Loans, the same Interest Period ( provided that ABR Loans incurred pursuant to Section 2.10(b)  shall be considered part of any related Borrowing of LIBOR Loans).

“ British Pounds Sterling ” shall mean the lawful currency of Great Britain.

“ Business Day ” shall mean any day excluding Saturday, Sunday and any other day on which banking institutions in New York City are authorized by law or other governmental actions to close, and,

(a)                                  if such day relates to any interest rate settings as to a LIBOR Loan denominated in Dollars or any Alternative Currency (other than Euro), any fundings, disbursements, settlements and payments in Dollars or any Alternative Currency (other than Euro) in respect of any such LIBOR Loan, or any other dealings in Dollars or any Alternative Currency (other than Euro) to be carried out pursuant to this Agreement in respect of any such LIBOR Loan, such day

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shall be a day on which dealings in deposits in Dollars or such Alternative Currency are conducted by and between banks in the London interbank eurodollar market; provided , however ,

(b)                                  if such day relates to any interest rate settings as to a LIBOR Loan denominated in Euro, any fundings, disbursements, settlements and payments in Euro in respect of any such LIBOR Loan, or any other dealings in Euro to be carried out pursuant to this Agreement in respect of any such LIBOR Loan, such day shall be a TARGET Day.

“ Capital Expenditures ” shall mean, for any period, the aggregate of all expenditures (whether paid in cash or accrued as liabilities and including in all events all amounts expended or capitalized under Capital Leases) by the Borrower and the Restricted Subsidiaries during such period that, in conformity with GAAP, are or are required to be included as capital expenditures on a consolidated statement of cash flows of the Borrower and its Subsidiaries (including capitalized software expenditures, customer acquisition costs and incentive payments, conversion costs and contract acquisition costs).

“ Capital Lease ” shall mean, as applied to any Person, any lease of any property (whether real, personal or mixed) by that Person as lessee that, in conformity with GAAP, is, or is required to be, accounted for as a capital lease on the balance sheet of that Person.

“ Capitalized Lease Obligations ” shall mean, as applied to any Person, all obligations under Capital Leases of such Person or any of its Subsidiaries, in each case taken at the amount thereof accounted for as liabilities in accordance with GAAP.

“ Cash Collateralize ” shall have the meaning provided in Section 3.8(d) .

“ Cash Management Agreement ” shall mean any agreement or arrangement to provide cash management services, including treasury, depository, overdraft, credit or debit card, purchase card, electronic funds transfer and other cash management arrangements.

“ Cash Management Bank ” shall mean any Person that, either (x) at the time it enters into a Cash Management Agreement or (y) on the Original Closing Date, is a Lender or an Affiliate of a Lender, in its capacity as a party to such Cash Management Agreement.

“ Casualty Event ” shall mean, with respect to any property of any Person, any loss of or damage to, or any condemnation or other taking by a Governmental Authority of, such property for which such Person or any of its Restricted Subsidiaries receives insurance proceeds, or proceeds of a condemnation award or other compensation.

“ Change in Law ” shall mean (a) the adoption of any law, treaty, order, policy, rule or regulation after the Original Closing Date, (b) any change in any law, treaty, order, policy, rule or regulation or in the interpretation or application thereof by any Governmental Authority after the Original Closing Date or (c) compliance by any Lender with any guideline, request, directive or order issued or made after the Original Closing Date by any central bank or other governmental or quasi-governmental authority (whether or not having the force of law).

“ Change of Control ” shall mean and be deemed to have occurred if (a) either (i) the Permitted Holders shall at any time not own, in the aggregate, directly or indirectly, beneficially and of record, at least 35% of the voting power of the outstanding Voting Stock of the Borrower or (ii) the Sponsor shall at any time not own, in the aggregate, directly or indirectly, beneficially and of record, at least 12% of the voting power of the outstanding Voting Stock of the Borrower; or (b) any person, entity or “group” (within the meaning of Section 13(d) or 14(d) of the Securities Exchange Act of 1934, as

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amended), other than the Permitted Holders, shall at any time have acquired direct or indirect beneficial ownership of a percentage of the voting power of the outstanding Voting Stock of the Borrower that exceeds 35% thereof, unless, in the case of either clause (a)  or (b)  above, the Permitted Holders have, at such time, the right or the ability by voting power, contract or otherwise to elect or designate for election at least a majority of the board of directors of the Borrower; or (c) Continuing Directors shall not constitute at least a majority of the board of directors of the Borrower; or (d) at any time, a Change of Control (as defined in the Senior Interim Loan Agreement, the Senior Notes Indenture, the Senior Subordinated Interim Loan Agreement or the Senior Subordinated Notes Indenture) shall have occurred.

“ Class ”, when used in reference to any Loan or Borrowing, shall refer to whether such Loan, or the Loans comprising such Borrowing, are 2013 Revolving Credit Loans, 2016 Revolving Credit Loans, 2018 Dollar Term Loans, 2018 Euro Term Loans, 2017 Dollar Term Loans, 2017 Euro Term Loans, 2017B Dollar Term Loans, 2017B Euro Term Loans, New Revolving Loans, Initial Tranche B-1 Term Loans, Initial Tranche B-2 Term Loans, Initial Tranche B-3 Term Loans, Delayed Draw Term Loans, Euro Tranche B-1 Term Loans, Euro Tranche B-2 Term Loans, New Term Loans (of each Series), Extended Term Loans (of the same Extension Series), Extended Revolving Credit Loans (of the same Extension Series) or 2013 Swingline Loans, 2016 Swingline Loans and, when used in reference to any Commitment, refers to whether such Commitment is a 2013 Revolving Credit Commitment, a 2016 Revolving Credit Commitment, a New Revolving Credit Commitment, an Extended Revolving Credit Commitment (of the same Extension Series), an Initial Tranche B-1 Term Loan Commitment, an Initial Tranche B-2 Term Loan Commitment, an Initial Tranche B-3 Term Loan Commitment, a Delayed Draw Term Loan Commitment, a Euro Tranche B-1 Term Loan Commitment, a Euro Tranche B-2 Term Loan Commitment or a New Term Loan Commitment.  For the avoidance of doubt, each Extended Revolving Credit Loan is of a different Class than the Revolving Credit Loan from which it was converted, each Extended Revolving Credit Commitment is of a different Class than the Revolving Credit Commitment from which it was converted, and each Extended Term Loan is of a different Class than the Class or Classes of Term Loan from which it was converted.

“ Code ” shall mean the Internal Revenue Code of 1986, as amended from time to time, and the regulations promulgated and rulings issued thereunder.  Section references to the Code are to the Code, as in effect at the Original Closing Date, and any subsequent provisions of the Code, amendatory thereof, supplemental thereto or substituted therefor.

“ Collateral ” shall mean all property pledged or purported to be pledged pursuant to the Security Documents.

“ Collateral Agent ” shall mean Credit Suisse, as collateral agent under the Security Documents, or any successor collateral agent pursuant to Section 12.9 .

“ Commitment Fee ” shall have the meaning provided in Section 4.1(a) .

“ Commitment Fee Rate ” shall mean:

(a) with respect to the 2013 Available Commitment on any day, the rate per annum set forth below opposite the Status in effect on such day:

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(b) with respect to the 2016 Available Commitment on any day 0.75% per annum .

Notwithstanding the foregoing, the term “Commitment Fee Rate” shall mean 0.50% during the period from and including the Original Closing Date to but excluding the Trigger Date.

“ Commitments ” shall mean, with respect to each Lender (to the extent applicable), such Lender’s 2013 Revolving Credit Commitment, 2016 Revolving Credit Commitment, a New Revolving Credit Commitment, an Extended Revolving Credit Commitment, an Initial Tranche B-1 Term Loan Commitment, an Initial Tranche B-2 Term Loan Commitment, an Initial Tranche B-3 Term Loan Commitment, a Delayed Draw Term Loan Commitment, a Euro Tranche B-1 Term Loan Commitment, a Euro Tranche B-2 Term Loan Commitment or a New Term Loan Commitment.

“ Communications ” shall have the meaning provided in Section 13.17(a) .

“ Company ” shall have the meaning provided in the preamble to this Agreement.

“ Confidential Information ” shall have the meaning provided in Section 13.16 .

“ Confidential Information Memorandum ” shall mean the Confidential Information Memorandum of the Borrower dated September 2007.

“ Consolidated EBITDA ” shall mean, for any period, Consolidated Net Income for such period, plus :

(a)                                  without duplication and to the extent already deducted (and not added back) in arriving at such Consolidated Net Income, the sum of the following amounts for the Borrower and the Restricted Subsidiaries for such period:

(i)                                  total interest expense and to the extent not reflected in such total interest expense, any losses on hedging obligations or other derivative instruments entered into for the purpose of hedging interest rate risk, net of interest income and gains on such hedging obligations, bank fees and costs of surety bonds in connection with financing activities, and commissions, discounts, yield and other fees and charges (including any interest expense) related to any Permitted Receivables Financing,

(ii)                                    provision for taxes based on income, profits or capital, including federal, foreign state, franchise, excise and similar taxes and foreign withholding taxes paid or accrued during such period, including any penalties and interest relating to any tax examinations,

(iii)                                     depreciation and amortization, including the amortization of deferred financing fees or costs, capitalized software expenditures, customer acquisition costs and incentive payments, conversion costs, contract acquisition costs, and amortization of unrecognized prior service costs and actuarial gains and losses related to pension and other post-employment benefits,

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(iv)                                   Non-Cash Charges,

(v)                                  business optimization expenses (including data center consolidation initiatives, severance costs and other costs relating to initiatives aimed at profitability improvement) and restructuring charges or reserves (including restructuring costs related to acquisitions after the Original Closing Date and to closure and/or consolidation of facilities),

(vi)                                   the amount of any minority interest expense consisting of Subsidiary income attributable to minority equity interests of third parties in any non-wholly-owned Subsidiary deducted (and not added back) in such period in arriving at Consolidated Net Income,

(vii)                                     the amount of management, monitoring, consulting and advisory fees (including termination fees) and related indemnities and expenses paid or accrued in such period to the Sponsor,

(viii)                                      any costs or expenses incurred pursuant to any management equity plan or stock option plan or any other management or employee benefit plan or agreement or any stock subscription or shareholder agreement, to the extent that such costs or expenses are funded with cash proceeds contributed to the capital of the Borrower or net cash proceeds of an issuance of Stock or Stock Equivalents (other than Disqualified Equity Interests) of the Borrower ( provided such capital contributions have not been applied to increase the “Applicable Amount” pursuant to clause (v)  of the definition thereof),

(ix)                                   the amount of net cost savings and net cash flow effect of revenue enhancements related to new agreements or amendments to existing agreements with customers or joint ventures projected by the Borrower in good faith to be realized as a result of specified actions taken or to be taken prior to or during such period (which cost savings or revenue enhancements shall be subject only to certification by management of the Borrower and shall be calculated on a Pro Forma Basis as though such cost savings or revenue enhancements had been realized on the first day of such period), net of the amount of actual benefits realized during such period from such actions; provided that (A) such cost savings or revenue enhancements are reasonably identifiable and factually supportable, (B) such actions have been taken or are to be taken within 12 months after the date of determination to take such action and (C) no cost savings or revenue enhancements shall be added pursuant to this clause (ix)  to the extent duplicative of any expenses or charges relating to such cost savings or revenue enhancements that are included in clause (v)  above with respect to such period,

(x)                                  to the extent covered by insurance and actually reimbursed, or, so long as the Borrower has made a determination that there exists reasonable evidence that such amount will in fact be reimbursed by the insurer and only to the extent that such amount is (A) not denied by the applicable carrier in writing within 180 days and (B) in fact reimbursed within 365 days of the date of such evidence (with a deduction for any amount so added back to the extent not so reimbursed within such 365 days), expenses with respect to liability or casualty events or business interruption,

(xi)                                   the amount of losses on Dispositions of receivables and related assets in connection with any Permitted Receivables Financing,

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(xii)                                     extraordinary losses and unusual or non-recurring charges (including litigation and regulatory settlements, and spin-off costs relating to divestitures of subsidiaries, including without limitation from the spin-off of The Western Union Company),

(xiii)                                      to the extent included in Consolidated Net Income, the negative EBITDA of IPS and IPS Canada, and

(xiv)                                    with respect to any Joint Venture, an amount equal to the proportion of those items described in clauses (ii)  and (iii)  above relating to such Joint Venture corresponding to the Borrower’s and the Restricted Subsidiaries’ proportionate share of such Joint Venture’s Consolidated Net Income (determined as if such Joint Venture were a Restricted Subsidiary),

less

(b)                                  without duplication and to the extent included in arriving at such Consolidated Net Income, the sum of the following amounts for such period:

(i)                                  extraordinary gains and unusual or non-recurring gains,

(ii)                                    non-cash gains (excluding any non-cash gain to the extent it represents the reversal of an accrual or reserve for a potential cash item that reduced Consolidated Net Income or Consolidated EBITDA in any prior period),

(iii)                                     gains on asset sales (other than asset sales in the ordinary course of business),

(iv)                                   any net after-tax income from the early extinguishment of Indebtedness or hedging obligations or other derivative instruments, and

(v)                                  cash expenditures (or any netting arrangements resulting in increased cash expenditures) not deducted in arriving at Consolidated EBITDA or Consolidated Net Income in any period to the extent non-cash losses relating to such income were added in the calculation of Consolidated EBITDA pursuant to paragraph (a) above for any previous period and not deducted,

in each case, as determined on a consolidated basis for the Borrower and the Restricted Subsidiaries in accordance with GAAP; provided that

(i)                                  to the extent included in Consolidated Net Income, there shall be excluded in determining Consolidated EBITDA currency translation gains and losses related to currency remeasurements of Indebtedness or intercompany balances (including the net loss or gain resulting from Hedge Agreements for currency exchange risk),

(ii)                                    to the extent included in Consolidated Net Income, there shall be excluded in determining Consolidated EBITDA for any period any adjustments resulting from the application of Statement of Financial Accounting Standards No. 133 and its related pronouncements and interpretations,

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(iii)                                     there shall be included in determining Consolidated EBITDA for any period, without duplication, (A) the Acquired EBITDA of any Person or business, or attributable to any property or asset acquired by the Borrower or any Restricted Subsidiary during such period (but not the Acquired EBITDA of any related Person or business or any Acquired EBITDA attributable to any assets or property, in each case to the extent not so acquired) to the extent not subsequently sold, transferred, abandoned or otherwise disposed by the Borrower or such Restricted Subsidiary (each such Person, business, property or asset acquired and not subsequently so disposed of, an “ Acquired Entity or Business ”) and the Acquired EBITDA of any Unrestricted Subsidiary that is converted into a Restricted Subsidiary during such period (each, a “ Converted Restricted Subsidiary ”), based on the actual Acquired EBITDA of such Acquired Entity or Business or Converted Restricted Subsidiary for such period (including the portion thereof occurring prior to such acquisition or conversion) and (B) other than for purposes of determining the Applicable Amount, the Applicable ABR Margin, the Applicable LIBOR Margin, Commitment Fee Rate and the Delayed Draw Commitment Fee Rate, an adjustment in respect of each Acquired Entity or Business equal to the amount of the Pro Forma Adjustment with respect to such Acquired Entity or Business for such period (including the portion thereof occurring prior to such acquisition) as specified in a Pro Forma Adjustment Certificate and delivered to the Lenders and the Administrative Agent, and

(iv)                                   to the extent included in Consolidated Net Income, there shall be excluded in determining Consolidated EBITDA for any period the Disposed EBITDA of any Person, property, business or asset sold, transferred, abandoned or otherwise disposed of, closed or classified as discontinued operations by the Borrower or any Restricted Subsidiary during such period (each such Person, property, business or asset so sold or disposed of, a “ Sold Entity or Business ”), and the Disposed EBITDA of any Restricted Subsidiary that is converted into an Unrestricted Subsidiary during such period (each, a “ Converted Unrestricted Subsidiary ”) based on the actual Disposed EBITDA of such Sold Entity or Business or Converted Unrestricted Subsidiary for such period (including the portion thereof occurring prior to such sale, transfer or disposition or conversion).

“ Consolidated Net Income ” shall mean, for any period, the net income (loss) of the Borrower and the Restricted Subsidiaries for such period determined on a consolidated basis in accordance with GAAP, excluding, without duplication,

(a)                                  extraordinary items for such period,

(b)                                  the cumulative effect of a change in accounting principles during such period to the extent included in Consolidated Net Income,

(c)                                   Transaction Expenses incurred during such period,

(d)                                  any fees and expenses incurred during such period, or any amortization thereof for such period, in connection with any acquisition, investment, recapitalization, asset disposition, issuance or repayment of debt, issuance of equity securities, refinancing transaction or amendment or other modification of any debt instrument (in each case, including any such transaction consummated prior to the Original Closing Date and any such transaction undertaken but not completed) and any charges or non-recurring merger costs incurred during such period as a result of any such transaction,

(e)                                   any effect of income or loss for such period attributable to the early extinguishment of Indebtedness,

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(f)                                    accruals and reserves established or adjusted within twelve months after the Original Closing Date that are so required to be established as a result of the Transactions in accordance with GAAP or changes as a result of adoption of or modification of accounting policies during such period,

(g)                                   the mark-to-market effects on net income during the period of any derivatives or similar financial instruments, including the ineffective portion of hedging arrangements, but including such effects settled in cash in the period,

(h)                                  Net Income of IPS and IPS Canada,

(i)                                      solely for purposes of determining the Applicable Amount, the net income for such period of any Restricted Subsidiary (other than any Guarantor) to the extent that the declaration or payment of dividends or similar distributions by that Restricted Subsidiary of its net income is not at the date of determination wholly permitted without any prior governmental approval (which has not been obtained) or, directly or indirectly, by the operation of the terms of its charter or any agreement, instrument, judgment, decree, order, statute, rule, or governmental regulation applicable to that Restricted Subsidiary or its stockholders, unless such restriction with respect to the payment of dividends or similar distributions has been legally waived; provided that Consolidated Net Income of the Borrower will be increased by the amount of dividends or other distributions or other payments actually paid in cash (or to the extent converted into cash) to the Borrower or a Restricted Subsidiary thereof in respect of such period, to the extent not already included therein, and

(j)                                     the amount of any net income (or loss) for such period from disposed or discontinued operations.

There shall be excluded from Consolidated Net Income for any period the purchase accounting effects of adjustments in component amounts required or permitted by GAAP and related authoritative pronouncements (including the effects of such adjustments pushed down to the Borrower and the Restricted Subsidiaries), as a result of the Transactions, any consummated acquisition whether consummated before or after the Original Closing Date, or the amortization or write-off of any amounts thereof.

“ Consolidated Senior Secured Debt ” shall mean Consolidated Total Debt secured by a Lien on any Collateral (excluding any Permitted Other Indebtedness incurred pursuant to Section 10.1(aa) , Section 10.1(bb)(i)(a)  (but solely to the extent the Net Cash Proceeds thereof are applied not later than five (5) Business Days after the receipt thereof to repurchase, repay, redeem or otherwise defease Senior Notes and/or Senior Subordinated Notes pursuant to and in accordance with Section 10.7(a)(y)(i) ), Section 10.1(bb)(i)(b)  or Section 10.1(cc) and, in each case, secured by a Lien on Collateral ranking junior to the Lien securing the Obligations).

“ Consolidated Senior Secured Debt to Consolidated EBITDA Ratio ” shall mean, as of any date of determination, the ratio of (a) Consolidated Senior Secured Debt as of such date to (b) Consolidated EBITDA for the Test Period then last ended.

“ Consolidated Total Assets ” shall mean, as of any date of determination, the amount that would, in conformity with GAAP, be set forth opposite the caption “total assets” (or any like caption) on a consolidated balance sheet of the Borrower and the Restricted Subsidiaries at such date (excluding any settlement assets).

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“ Consolidated Total Debt ” shall mean, as of any date of determination, (a) all Indebtedness of the types described in clause (a)  and clause (d)  of the definition thereof (but, (i) in the case of clause (d) , only to the extent of any unreimbursed drawings under any letter of credit and (ii) in any event, excluding any Settlement Indebtedness) of the definition thereof, in each case actually owing by the Borrower and the Restricted Subsidiaries on such date and to the extent appearing on the balance sheet of the Borrower determined on a consolidated basis in accordance with GAAP minus (b) the aggregate cash and cash equivalents (in each case, free and clear of all Liens, other than Liens permitted by Section 10.2 other than clause (u)  thereof) included in the cash and cash equivalents accounts (other than settlement assets) (x) listed on the consolidated balance sheet of the Borrower and the Restricted Subsidiaries as at such date and (y) listed on the balance sheet of any Joint Venture (excluding settlement assets) in an amount corresponding to the Borrower’s or Restricted Subsidiaries’, as applicable, proportionate share thereof, based on its ownership of such Joint Venture’s Voting Stock.

“ Consolidated Total Debt to Consolidated EBITDA Ratio ” shall mean, as of any date of determination, the ratio of (a) Consolidated Total Debt as of such date to (b) Consolidated EBITDA for the Test Period then last ended.

“ Consolidated Working Capital ” shall mean, at any date, the excess of (a) the sum of all amounts (other than cash and Permitted Investments) that would, in conformity with GAAP, be set forth opposite the caption “total current assets” (or any like caption) on a consolidated balance sheet of the Borrower and the Restricted Subsidiaries at such date excluding the current portion of current and deferred income taxes over (b) the sum of all amounts that would, in conformity with GAAP, be set forth opposite the caption “total current liabilities” (or any like caption) on a consolidated balance sheet of the Borrower and the Restricted Subsidiaries on such date, including deferred revenue but excluding, without duplication, (i) the current portion of any Funded Debt, (ii) all Indebtedness consisting of Loans and Letter of Credit Exposure to the extent otherwise included therein, (iii) the current portion of interest and (iv) the current portion of current and deferred income taxes.

“ Continuing Director ” shall mean, at any date, an individual (a) who is a member of the board of directors of the Borrower on the Original Closing Date, (b) who, as of the date of determination, has been a member of such board of directors for at least the twelve preceding months, (c) who has been nominated to be a member of such board of directors, directly or indirectly, by a Sponsor or Persons nominated by a Sponsor or (d) who has been nominated to be a member of such board of directors by a majority of the other Continuing Directors then in office.

“ Contract Consideration ” shall have the meaning provided in the definition of “Excess Cash Flow.”

“ Contractual Requirement ” shall have the meaning provided in Section 8.3 .

“ Converted Restricted Subsidiary ” shall have the meaning provided in the definition of the term “Consolidated EBITDA.”

“ Converted Unrestricted Subsidiary ” shall have the meaning provided in the definition of the term “Consolidated EBITDA.”

“ Credit Documents ” shall mean this Agreement (including the Original Credit Agreement), the Guarantees, the Security Documents, each Letter of Credit and any promissory notes issued by the Borrower hereunder.

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“ Credit Event ” shall mean and include the making (but not the conversion or continuation) of a Loan and the issuance of a Letter of Credit.

“ Credit Facility ” shall mean a category of Commitments and extensions of credit thereunder.

“ Credit Party ” shall mean the Borrower, the Guarantors and each other Subsidiary of the Borrower that is a party to a Credit Document.

“ Credit Suisse ” shall mean Credit Suisse, Cayman Islands Branch and its successors.

“ Cumulative Consolidated Net Income ” shall mean, for any period, Consolidated Net Income for such period, taken as a single accounting period.  Cumulative Consolidated Net Income may be a positive or negative amount.

“ Cure Amount ” shall have the meaning provided in Section 11.15(a) .

“ Cure Right ” shall have the meaning provided in Section 11.15(a) .

“ Debt Incurrence Prepayment Event ” shall mean any issuance or incurrence by the Borrower or any of the Restricted Subsidiaries of any Indebtedness (excluding any Indebtedness permitted to be issued or incurred under Section 10.1 other than Section 10.1(o)  or, except to the extent accompanied by a corresponding reduction of the Revolving Credit Commitments Section 10.1(y) ).

“ Debt Repayment ” shall mean the repayment, prepayment, repurchase or defeasance of the Indebtedness of the Borrower under the Indebtedness that is identified on Schedule 1.1(g)  to the Original Credit Agreement and that is repaid, prepaid, repurchased or defeased on the Original Closing Date (or such later date as may be necessary to effect the Debt Repayment in accordance with the tender offers therefor).

“ Declined Proceeds ” shall have the meaning provided in Section 5.2(h) .

“ Default ” shall mean any event, act or condition that with notice or lapse of time, or both, would constitute an Event of Default.

“ Default Rate ” shall have the meaning provided in Section 2.8(c) .

“ Defaulting Lender ” shall mean any Lender with respect to which a Lender Default is in effect.

“ Deferred Net Cash Proceeds ” shall have the meaning provided such term in the definition of “Net Cash Proceeds”.

“ Deferred Net Cash Proceeds Payment Date ” shall have the meaning provided such term in the definition of “Net Cash Proceeds”.

“ Delayed Draw Commitment Fee ” shall have the meaning provided in Section 4.1(b) .

“ Delayed Draw Commitment Fee Rate ” shall mean, with respect to the Available Delayed Draw Commitment on any day, 0.75% per annum .

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“ Delayed Draw Repayment Amount ” shall have the meaning provided in Section 2.5(b)(x) .

“ Delayed Draw Repayment Date ” shall have the meaning provided in Section 2.5(b) .

“ Delayed Draw Term Loan ” shall have the meaning provided in Section 2.1(a) .  For the avoidance of doubt, all Delayed Draw Term Loans are 2014 Term Loans.

“ Delayed Draw Term Loan Commitment ” shall mean, (a) in the case of each Lender that is a Lender as of the date hereof, the amount set forth opposite such Lender’s name on Schedule 1.1(c)-1 as such Lender’s “Delayed Draw Term Loan Commitment” and (b) in the case of any Lender that becomes a Lender as of the date hereof, the amount specified as such Lender’s “Delayed Draw Term Loan Commitment” in the Assignment and Acceptance pursuant to which such Lender assumed a portion of the Total Delayed Draw Term Loan Commitment, in each case as the same may be changed from time to time pursuant to the terms hereof.  The aggregate amount of the Delayed Draw Term Loan Commitments as of the Original Closing Date was $225,000,000.

“ Delayed Draw Term Loan Commitment Percentage ” shall mean at any time, for each Lender, the percentage obtained by dividing (a) such Lender’s Delayed Draw Term Loan Commitment at such time by (b) the amount of the Total Delayed Draw Term Loan Commitment at such time, provided that at any time when the Total Delayed Draw Term Loan Commitment shall have been terminated, each Lender’s Delayed Draw Term Loan Commitment Percentage shall be the percentage obtained by dividing (a) such Lender’s Delayed Draw Term Loan Exposure at such time by (b) the Delayed Draw Term Loan Exposure of all Lenders at such time.

“ Delayed Draw Term Loan Commitment Termination Date ” shall mean the earliest to occur of (i) December 31, 2008, (ii) the date the Delayed Draw Term Loan Commitments are permanently reduced to zero pursuant to Section 2.1 , and (iii) the date of the termination of the Delayed Draw Term Loan Commitments pursuant to Section 11.1 .

“ Delayed Draw Term Loan Exposure ” shall mean, with respect to any Lender as of any date of determination, (a) prior to the termination of the Delayed Draw Term Loan Commitments, that Lender’s Delayed Draw Term Loan Commitment; and (b) after the termination of the Delayed Draw Term Loan Commitments, the aggregate outstanding principal amount of the Delayed Draw Term Loans of that Lender and any Extended Term Loans in respect of Delayed Draw Term Loans.

“ Delayed Draw Term Loan Lender ” shall mean a Lender with a Delayed Draw Term Loan Commitment or an outstanding Delayed Draw Term Loan.

“ Delayed Draw Term Loan Maturity Date ” shall mean the earlier of (a) September 24, 2014, or, if such date is not a Business Day, the next preceding Business Day, and (b) the date that all Delayed Draw Term Loans shall become due and payable in full hereunder, whether by acceleration or otherwise.

“ Designated Non-Cash Consideration ” shall mean the fair market value of non-cash consideration received by the Borrower or a Restricted Subsidiary in connection with a Disposition pursuant to Section 10.4(b) or Section 10.4(c) that is designated as Designated Non-Cash Consideration pursuant to a certificate of an Authorized Officer of the Borrower, setting forth the basis of such valuation (which amount will be reduced by the fair market value of the portion of the non-cash consideration converted to cash within 180 days following the consummation of the applicable Disposition).

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“ Designated Obligations ” shall mean all obligations of the Borrower with respect to (a) principal of and interest on the Loans, (b) Unpaid Drawings and interest thereon and (c) accrued and unpaid fees under the Credit Documents.

“ Disposed EBITDA ” shall mean, with respect to any Sold Entity or Business or any Converted Unrestricted Subsidiary for any period, the amount for such period of Consolidated EBITDA of such Sold Entity or Business or Converted Unrestricted Subsidiary (determined as if references to the Borrower and the Restricted Subsidiaries in the definition of Consolidated EBITDA were references to such Sold Entity or Business or Converted Unrestricted Subsidiary and its respective Subsidiaries), all as determined on a consolidated basis for such Sold Entity or Business or Converted Unrestricted Subsidiary, as the case may be.

“ Disposition ” shall have the meaning provided in Section 10.4(b) .

“ Disqualified Equity Interests ” shall mean, with respect to any Person, any Stock or Stock Equivalents of such Person which, by its terms, or by the terms of any security into which it is convertible or for which it is putable or exchangeable, or upon the happening of any event, matures or is mandatorily redeemable (other than solely for Stock or Stock Equivalent that is not Disqualified Equity Interests), other than as a result of a change of control or asset sale, pursuant to a sinking fund obligation or otherwise, or is redeemable at the option of the holder thereof (other than as a result of a change of control or asset sale to the extent the terms of such Stock or Stock Equivalents provide that such Stock or Stock Equivalents shall not be required to be repurchased or redeemed until the Final Maturity Date has occurred or such repurchase or redemption is otherwise permitted by this Agreement (including as a result of a waiver hereunder)), in whole or in part, in each case prior to the date that is ninety-one (91) days after the Final Maturity Date hereunder; provided that if such Stock or Stock Equivalents are issued to any plan for the benefit of employees of the Borrower or its Subsidiaries or by any such plan to such employees, such Stock or Stock Equivalents shall not constitute Disqualified Equity Interests solely because it may be required to be repurchased by the Borrower or its Subsidiaries in order to satisfy applicable statutory or regulatory obligations; provided , further , that any Stock or Stock Equivalents held by any future, present or former employee, director, manager or consultant, of the Borrower, any of its Subsidiaries or any of its direct or indirect parent companies or any other entity in which the Borrower or a Restricted Subsidiary has an Investment and is designated in good faith as an “affiliate” by the Board of Directors of the Borrower, in each case pursuant to any stockholders’ agreement, management equity plan or stock incentive plan or any other management or employee benefit plan or agreement shall not constitute Disqualified Equity Interests solely because it may be required to be repurchased by the Borrower or its Subsidiaries.

“ Dividends ” or “ dividends ” shall have the meaning provided in Section 10.6 .

“ Dollar Equivalent ” shall mean, at any time, (a) with respect to any amount denominated in Dollars, such amount, and (b) with respect to any amount denominated in any currency other than Dollars, the equivalent amount thereof in Dollars as determined by the Administrative Agent or the Letter of Credit Issuer, as the case may be, on the basis of the Spot Rate (determined in respect of the most recent Revaluation Date or other relevant date of determination) for the purchase of Dollars with such currency.

“ Dollars ” and “ $ ” shall mean dollars in lawful currency of the United States of America.

“ Domestic Subsidiary ” shall mean each Subsidiary of the Borrower that is organized under the laws of the United States, any state thereof, or the District of Columbia.

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