Document:

<PAGE>
                                                                   EXHIBIT 10.36

                                                                  EXECUTION COPY

================================================================================

                         PACIFICARE HEALTH SYSTEMS INC.

                        ---------------------------------

                                 AMENDMENT NO. 2

                                   dated as of

                                December 17, 2003

                                       to

                                CREDIT AGREEMENT

                                   dated as of

                                  June 3, 2003

                        ---------------------------------

                              JPMORGAN CHASE BANK,
                             as Administrative Agent

                        ---------------------------------

                           J.P. MORGAN SECURITIES INC.
                                       and
                      MORGAN STANLEY SENIOR FUNDING, INC.,
          as Joint Advisors, Joint Lead Arrangers and Joint Bookrunners

================================================================================

<PAGE>

                                 AMENDMENT NO. 2

         AMENDMENT NO. 2 dated as of December 17, 2003 to the Credit Agreement
referred to below, between: PACIFICARE HEALTH SYSTEMS INC. (the "Borrower"); the
Subsidiary Guarantors party to the Credit Agreement; and JPMORGAN CHASE BANK, as
Administrative Agent thereunder.

         The Borrower, the Subsidiary Guarantors, the Lenders, the
Administrative Agent and the Collateral Agent are parties to a Credit Agreement
dated as of June 3, 2003 (as amended and in effect from time to time, the
"Credit Agreement"), providing, subject to the terms and conditions thereof, for
extensions of credit to be made by the Lenders to the Borrower.

         The Borrower has requested certain amendments to the Credit Agreement
and, accordingly, the parties hereto hereby agree as follows:

         Section 1. Definitions. Except as otherwise defined in this Amendment
No. 2, terms defined in the Credit Agreement are used herein as defined therein.

         Section 2. Amendments. Subject to the satisfaction of the conditions
precedent specified in Section 4 hereof, but effective as of the date hereof,
the Credit Agreement shall be amended as follows:

         2.01. General References. References in the Credit Agreement (including
references to the Credit Agreement as amended hereby) to "this Agreement" (and
indirect references such as "hereunder", "hereby", "herein" and "hereof") shall
be deemed to be references to the Credit Agreement as amended hereby.

         2.02. Definitions. Section 1.01 of the Credit Agreement is amended by
adding the following new defined term in its appropriate alphabetical location:

         "Applicable Term Loan Margin" means for any day, with respect to any
     ABR Loan or Eurodollar Loan, the applicable rate per annum set forth below
     under the caption "ABR Spread" or "Eurodollar Spread", respectively, based
     upon the Ratings applicable on such date to the Loans (each a "Rating"):

<TABLE>
<CAPTION>

                                      Ratings                       ABR                    Eurodollar
                                   (S&P/Moody's)                   Spread                    Spread
                                  ---------------                 --------                 -----------

<S>                         <C>                                 <C>                      <C>
          Category 1        > or = BB+ and > or = Ba2               1.25%                    2.25%

                                BB and > or = Ba2

          Category 2                                                1.50%                    2.50%
                               > or = BB and Ba3

                                 Other than in
          Category 3             Category 1 or 2                    1.75%                    2.75%

</TABLE>

                                 Amendment No. 2

<PAGE>

                                     - 2 -

         For purposes of the foregoing, (a) if one of S&P and Moody's shall not
     have in effect a Rating (other than by reason of the circumstances referred
     to in the last sentence of this definition), such rating agency shall be
     deemed to have a Rating equal to the level of the Rating of the other
     rating agency; (b) if neither S&P nor Moody's shall have in effect a Rating
     (other than by reason of the circumstances referred to in the last sentence
     of this definition), then each such rating agency shall be deemed to have
     established a Rating in Category 3; and (c) if the Ratings established or
     deemed to have been established by S&P and Moody's shall be changed (other
     than as a result of a change in the rating system of S&P or Moody's), such
     change shall be effective as of the date on which it is first announced by
     the applicable rating agency. Each change in the Applicable Term Loan
     Margin shall apply during the period commencing on the effective date of
     such change and ending on the date immediately preceding the effective date
     of the next such change; provided that no reduction in the Applicable Term
     Loan Margin shall be effective for so long as an Event of Default shall
     have occurred and be continuing. If the rating system of S&P or Moody's
     shall change, or if either such rating agency shall cease to be in the
     business of rating secured bank loans, the Borrower and the Lenders shall
     negotiate in good faith to amend this definition to reflect such changed
     rating system or the unavailability of ratings from such rating agency and,
     pending the effectiveness of any such amendment, the Applicable Term Loan
     Margin shall be determined by reference to the rating most recently in
     effect prior to such change or cessation.

         The Applicable Term Loan Margin in effect on effective date of
     Amendment No. 2 hereto dated as of December 17, 2003 shall be (i) in the
     case of Term Loans constituting an ABR Borrowing shall be 1.75% per annum
     and (ii) in the case of Term Loans constituting a Eurodollar Borrowing
     shall be 2.75% per annum.

         2.03. Interest on ABR Term Loans. Section 2.11(a)(ii) shall be amended
to read in its entirety as follows:

         "(ii) the Alternate Base Rate plus the Applicable Term Loan Margin (in
     the case of Term Loans constituting an ABR Borrowing)."

         2.04. Interest on Eurodollar Term Loans. Section 2.11(b)(ii) shall be
amended to read in its entirety as follows:

         "(ii) the Adjusted LIBO Rate for the Interest Period for such Borrowing
     plus the Applicable Term Loan Margin (in the case of Term Loans
     constituting a Eurodollar Borrowing)."

         Section 3. Representations and Warranties. The Borrower represents and
warrants to the Lenders as of the date hereof that (a) the representations and
warranties of the Borrower set forth in the Credit Agreement are true and
correct, and of each Obligor in each of the other Loan Documents to which it is
a party are true and correct in all material respects, in each case on and as of
the date hereof with the same force and effect as if made on and as of the date
hereof (or, if any such representation and warranty is expressly stated to have
been made as

                                 Amendment No. 2

<PAGE>

                                      - 3 -

of a specific date, as of such specific date) and as if each reference herein to
"this Agreement" (or words of similar import) or in such other Loan Documents to
"the Credit Agreement" (or words of similar import) included reference to this
Amendment No. 2 and (b) no Default has occurred and is continuing.

         Section 4. Conditions Precedent. The amendments to the Credit Agreement
set forth in Section 2 shall become effective as of the date hereof upon receipt
by the Administrative Agent of one or more counterparts of this Amendment No. 2
executed by each Obligor and the Administrative Agent (with the written consent
of each of the Term Loan Lenders and the Required Lenders provided in the form
of the Lender Consent attached hereto as Exhibit A).

         Section 5. Confirmation of Guarantees and Security Interests. The
Obligors hereby confirms and ratifies all of its respective obligations under
the Loan Documents to which it is a party (including, in the case of each
Subsidiary Guarantor, its respective obligations as a guarantor under Article
III of the Credit Agreement (as amended hereby)) and the Liens granted by it
under the respective Loan Documents (as amended hereby) and hereby represent,
warrant and confirm that all references in such Loan Documents to the Credit
Agreement (or words of similar import) fully and effectively mean the Credit
Agreement as amended hereby without impairing any such obligations or Liens in
any respect.

         Section 6. Miscellaneous. Except as herein provided, the Credit
Agreement shall remain unchanged and in full force and effect. This Amendment
No. 2 may be executed in any number of counterparts, all of which taken together
shall constitute one and the same amendatory instrument and any of the parties
hereto may execute this Amendment No. 2 by signing any such counterpart. This
Amendment No. 2 shall be governed by, and construed in accordance with, the law
of the State of New York.

                                 Amendment No. 2
<PAGE>

                                     - 4 -

         IN WITNESS WHEREOF, the parties hereto have caused this Amendment No. 2
to be duly executed and delivered as of the day and year first above written.

                                    BORROWER

                                    PACIFICARE HEALTH SYSTEMS, INC.

                                    By
                                      ------------------------------------------
                                      Name:
                                      Title:

                                 Amendment No. 2

<PAGE>

                                      -5-

                                    SUBSIDIARY GUARANTORS

                                    PACIFICARE HEALTH PLAN
                                    ADMINISTRATORS, INC.

                                    By
                                      ------------------------------------------
                                      Name:
                                      Title:

                                    PACIFICARE eHOLDINGS, INC.

                                    By
                                      ------------------------------------------
                                      Name:
                                      Title:

                                    SENIORCO, INC.

                                    By
                                      ------------------------------------------
                                      Name:
                                      Title:

                                    RxSOLUTIONS, INC.

                                    By
                                      ------------------------------------------
                                      Name:
                                      Title:

                                 Amendment No. 2

<PAGE>
                                      -6-

                                    PACIFICARE BEHAVIORAL HEALTH, INC.

                                    By
                                      ------------------------------------------
                                      Name:
                                      Title:

                                    SECUREHORIZONS USA, INC.

                                    By
                                      ------------------------------------------
                                      Name:
                                      Title:

                                    PACIFICARE OF ARIZONA, INC.

                                    By
                                      ------------------------------------------
                                      Name:
                                      Title:

                                    PACIFICARE OF OKLAHOMA, INC.

                                    By
                                      ------------------------------------------
                                      Name:
                                      Title:

                                 Amendment No. 2

<PAGE>

                                     - 7 -

                                    ADMINISTRATIVE AGENT

                                    JPMORGAN CHASE BANK,
                                      as Administrative Agent

                                    By
                                      ------------------------------------------
                                      Name:
                                      Title:

<PAGE>

                                                                       EXHIBIT A

                                 LENDER CONSENT

                  Reference is made to the Credit Agreement dated as of June 3,
2003 (as amended and in effect from time to time, the "Credit Agreement")
between Pacificare Health Systems Inc., the Subsidiary Guarantors party to the
Credit Agreement, the Lenders party to the Credit Agreement, JPMorgan Chase
Bank, as Administrative Agent thereunder and JPMorgan Chase Bank, as Collateral
Agent thereunder. Capitalized terms used and not otherwise defined herein are
deemed to have the respective meanings assigned to such terms in the Credit
Agreement.

                  The undersigned Lender party to the Credit Agreement hereby
(i) consents to Amendment No. 2 to the Credit Agreement, dated as of December
17, 2003, substantially in the form to which the form of this Lender Consent is
attached ("Amendment No. 2") and (ii) authorizes and directs the Administrative
Agent to execute and deliver Amendment No. 2 on behalf of such Lender.

Full Name of Lender:
                    ---------------------------------------

By:
    ---------------------------------------
    Name:
    Title:

Date:  December 17, 2003

                                 Amendment No. 2<PAGE>

                                                                    EXHIBIT 10.9

                                SECOND AMENDMENT
                                       TO
                                 ALLERGAN, INC.
                          EMPLOYEE STOCK OWNERSHIP PLAN
                                 (RESTATED 2003)

The ALLERGAN, INC. EMPLOYEE STOCK OWNERSHIP PLAN (the "Plan") is hereby amended
as follows:

         1.       Effective January 1, 2004, new Section 6.3(g) shall be added
                  to the Plan as follows:

                           (g)      On June 29, 2002, Allergan spun-off AMO and
                  distributed the stock of AMO (referred to in the Plan as "AMO
                  Stock") to its shareholders. The following provisions of the
                  Plan shall apply to AMO Stock as if the term "AMO Stock" was
                  substituted for the term "Company Stock": Section 6.4 (Certain
                  Offers for Company Stock); Section 6.5 (Securities Law
                  Limitation); Section 6.7 (Dividends); Section 6.14
                  (Appointment of Investment Manager); Section 7.1 (Appointment
                  of Committee); Section 7.2 (Appointment of Investment
                  Subcommittee); Section 7.7 (Additional Powers of Committee);
                  Section 7.8 (Investment Subcommittee Powers); Section 7.14
                  (Compensation of Committees and Plan Expenses); and Section
                  7.16 (Voting of Company Stock), as applicable.

         2.       Effective January 1, 2004, Section 6.6(a)(i) of the Plan is
                  amended as follows:

                                    (i)      Each Participant's ESOP Account
                           shall consist of (1) a portion comprised of cash and
                           all other assets except for Company Stock and AMO
                           Stock (the "Non-Stock Subaccount"); (2) a portion
                           comprised solely of AMO Stock (the "AMO Subaccount");
                           and (3) a portion comprised solely of Company Stock
                           (the "Stock Subaccount").

         3.       Effective January 1, 2004, new Section 6.6(a)(iv) is added to
                  the Plan as follows:

                                    (iv)     AMO Subaccounts shall be credited
                           with a specific number of shares of AMO Stock rather
                           than an individual interest in a pool of AMO Stock.

         4.       Effective January 1, 2004, new Section 6.6(i) is added to the
                  Plan as follows:

                           (i)      Paragraphs (e) and (g) of this Section 6.6
                  shall apply to AMO Stock as if the term "AMO Stock" was
                  substituted for the term "Company Stock" and the term "AMO
                  Subaccount" was substituted for the term "Stock Subaccount,"
                  as applicable.

<PAGE>

         5.       Effective January 1, 2003, Section 5.10(c) of the Plan is
                  amended as follows:

                           (c) Notwithstanding anything to the contrary in the
                  Plan, the distribution of the entire vested portion of a
                  Participant's ESOP Account shall be subject to the following:

                                    (i)      Lifetime Distributions. The
                           distribution of the entire vested portion of a
                           Participant's ESOP Account shall be made no later
                           than the Participant's Required Beginning Date. The
                           Required Beginning Date of a Participant shall be
                           April 1 of the calendar year immediately following
                           the later of the calendar year in which the
                           Participant attains age 70-1/2 or incurs a Severance;
                           provided, however, if such Participant is a Five
                           Percent Owner (as defined in Code Section 416(i) and
                           applicable regulations), with respect to the Plan
                           Year ending in the calendar year in which such
                           Participant attains age 70-1/2, the Required
                           Beginning Date shall be April 1 of the calendar year
                           immediately following the later of the calendar year
                           in which the Participant attains age 70-1/2.

                                    (ii)     Death Distributions. If a
                           Participant dies before the entire vested portion of
                           his or her ESOP Account is distributed, the entire
                           vested portion of the Participant's ESOP Account
                           shall be distributed as provided in Section 5.5.

                                    (iii)    Incorporation of Treasury
                           Regulations. Notwithstanding the foregoing, all
                           distributions made under the Plan shall be made in
                           accordance with Code Section 401(a)(9) and the
                           Regulations issued thereunder.

         IN WITNESS WHEREOF, Allergan, Inc. hereby executes this Second
Amendment to the Allergan, Inc. Employee Stock Ownership Plan on this 22nd day
of December, 2003.

ALLERGAN, INC.

BY:  /s/ Douglas S. Ingram
    -----------------------------------
    Douglas S. Ingram
    Executive Vice President, General Counsel and Secretary

                                        2

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