Document:

Ex-10.3 Professional Services Agreement

 

 

 

Ablest Inc.

Proposal for Great Plains Implementation

EXECUTIVE SUMMARY

Ablest Inc. (AI) provides staffing solutions, managed services, and vendor-on-premise programs
in the eastern and southwestern United States. Its Staffing solutions include clerical, industrial,
information technology, finance, and accounting personnel provided through Ablest Staffing
Services, Ablest Technology Services, and Ablest Finance and Accounting. The company was
established in 1978 and is headquartered in Clearwater, Florida.

AI has requested a proposal for Great Plains from IDEAL Consulting, Inc. (IDC) for the following
modules: Business Intelligence Foundation Layer, 19 additional professional users, 170 additional
portal users, General Ledger, Account Level Security, Bank Reconciliation, Electronic Bank
Reconciliation, Payables Management, Safe Pay, Fixed Asset Management, FRx Professional Upgrade
which includes 4 designer users, 10 FRx WebPort users, 8 FRx Drill Down Viewers, 2 FRx Report
Launchers, FRx Currency Translator, and FRx Report Server, as well as 6 additional 10 packs of FRx
WebPort viewers, Human Resources (up to 500 employees), Payroll (up to 500 employees), Human
Resources Self Service Suite, Project Accounting with Time and Expense, SmartList Builder, Great
Plains Extender, eConnect Core, Merit Solutions SOX Suite for 20 users, Modifier with VBA, and the
Standard Plan B. Additional modules from Integrity Data include PTO Manager, Deductions in
Arrears, and Payroll to Accounts Payable Integration. Additional modules from Mekorma include MICR
Check Encoding for Accounts Payable and Payroll. The first year maintenance has been included as
well.

SCOPE OF WORK

The scope of this proposal includes the installation of Great Plains as defined in Exhibit “B”
Implementation and Training Costs, is subject to those criteria, and the assumptions defined
herein. IDC will install the software on hardware that meets the minimum requirements defined by
Microsoft for a like solution and assist with the setup of those modules specifically identified in
Exhibit “B” Software section.

Assumptions:

	 	•	 	AI will have adequate hardware and software configurations to meet the minimum
requirements for all products listed in Exhibit B
	 
	 	•	 	An integration from the staffing system to the Great Plains General Ledger is included
in this scope of work
	 
	 	•	 	Included in this scope of work is a custom application that will allow the importing of
resumes into Great Plains HR module
	 
	 	•	 	Included are one (1) balance sheet and one (1) profit and loss statement. As well as
the formatting for the payables and the payroll check. It is assumed that once proper
training has occurred AI has the appropriate staff to write and compile an unlimited
number of financial statements and reports using the many reporting tools provided in this
proposal
	 
	 	•	 	Historical data conversion is included in this proposal. See Exhibit B.
	 
	 	•	 	IDC will assist with the exporting of tax data to a format which is required by
Ceridian, whom handles all tax reporting and filing. AI will provide the format required.
	 
	 	•	 	Data conversion will consist of detail from General Ledger, Accounts Payable, and
Payroll from 12/31/2000 to 12/31/05 and summary General Ledger from 1995-1999

			
	 	 	 
	IDEAL Consulting, Inc.	 	 
	Pg. 2 of 11
	 	September 28, 2005

 

 

	 	•	 	IDC will create a SQL data inquiry tool for 3000 vendors, 2000 FTE, inactive and
active, and 4000 vendors
	 
	 	•	 	The Project Accounting module will be used to track internal projects as well as a
vehicle for employees to submit their expenses online

     NOT INCLUDED IN THIS SCOPE OF WORK:

	 	•	 	Any customizations to the existing software
	 
	 	•	 	Business process mapping or re-engineering
	 
	 	•	 	Risk identification and analysis
	 
	 	•	 	Customized Procedures manual
	 
	 	•	 	Any infrastructure services for hardware, platform software, or configuration (those
will be provided in a separate proposal)

BILLING PROCEDURES

IDEAL Consulting requires the following billing procedures:

	•	 	Software and Hardware Sales: 100% of the price of the product
including sales tax and related delivery expenses is due prior to
the order of the product and upon ratification of this agreement.
This software is licensed not sold. Licenses are not refundable.
	 
	•	 	Professional Services and Consulting: Fees for Professional
Services and Consulting are estimates based on the assumptions and
information contained herein and therefore will be billed on an
actual time and materials basis at the rate and frequency
described in Exhibit “A”.

This quote does not include amounts due for shipping or sales taxes. Leasing is available.

PROJECT CHANGE PROCEDURE

It may be necessary to amend the Scope of Work for reasons including, but not limited to, the
following:

	•	 	Discretionary changes to the project schedule
	 
	•	 	Discretionary changes in the scope of the project
	 
	•	 	Non-availability of products or services which are beyond IDEAL Consulting’s control
	 
	•	 	Environmental or architectural impediments not previously identified
	 
	•	 	Lack of access to client personnel or facilities necessary to complete the project

In the event that a change to the Scope of Work is necessary, the following process will be
followed.

	•	 	A request for change will be communicated in written form to IDEAL
Consulting or the client Project Manager. The request must
describe the change, reasons for the change, and the effect the
change will have on the project, which may include scheduling
changes, pricing, etc.
	 
	•	 	The designated Project manager of the requesting party will review
the proposed change and determine whether to submit the request to
the other party.
	 
	•	 	Both parties will review the proposed change and approve it or
reject it. Both parties will sign the request for change,
indicating the acceptance of both parties to the changes, which
may affect pricing, schedules, and contractual commitments.
Pricing changes will be provided to the client utilizing IDEAL
Consulting’s standard proposal format.

			
	 	 	 
	IDEAL Consulting, Inc.	 	 
	Pg. 3 of 11
	 	September 28, 2005

 

 

	•	 	Upon acceptance of the change request by both parties, the scope
of work and costs will be modified appropriately, and the changes
will be incorporated into the project.

PROPOSAL ACCEPTANCE

Our best effort has been made to provide you with an accurate proposal based on the
information discussed. Any modifications to the above identified deliverables may result in
additional costs and extended timelines for project completion.

By signing below, both parties agree to begin the Project as outlined in this document. This
document will serve as the initial Assignment Order. Any changes to the Scope for this Project will
be done in writing and agreed to by both parties. The foregoing is agreed to by:

	 	 	 	 	 	 	 
	IDEAL CONSULTING, INC.	 	Ablest Inc.
	 
	 	 	 	 	 	 
	By:

	 	/s/ Chris Milan 	 	By:	 	/s/ W. David Foster 
	 

	 	 
	 	 	 	 
	 
	 	 	 	 	 	 
	Name:

	 	Chris Milan	 	Name:
	 	W. David Foster
	 

	 	 
	 	 	 	 
	 
	 	 	 	 	 	 
	Title:

	 	Chief Operating Officer	 	Title:
	 	Vice Chairman
	 

	 	 
	 	 	 	 
	 
	 	 	 	 	 	 
	Date:

	 	September 30, 2005
	 	Date:
	 	September 30, 2005
	 

	 	 
	 	 	 	 

			
	 	 	 
	IDEAL Consulting, Inc.	 	 
	Pg. 4 of 11
	 	September 28, 2005

 

 

Professional Services Agreement

This Agreement is made between Ablest Inc., having its principal place of business at
1901 Ulmerton Road, Suite 300, Clearwater, FL, 33762  (hereinafter referred to as
“Client”) and IDEAL Consulting, Inc., a Florida corporation having its principal place of business
at 2803 West Busch Boulevard, Suite 200, Tampa, FL 33618 (hereafter referred to as
“IDEAL”). Throughout this Agreement the terms “you” and “your” refer to the Client named above,
the terms “we,” “us,” and “our” refer to IDEAL, and the term “parties” refers to both Client and
IDEAL together.

	1.	 	This Agreement outlines the terms of professional services and automation products
provided by IDEAL to Client. Professional services deemed necessary by IDEAL shall be
provided to implement any and all projects, tasks, or automation processes requested orally or
in writing from time to time by Client. These services shall be provided at the hourly rates
outlined on the attached Exhibit “A”, depending on the staff member providing the service.
Notice of changes to rates shall be provided to Client at the above address prior to those
rates going into effect. Products shall be provided at IDEAL’s current list prices or if a
special order item, at reasonable prices to Client.
	 
	2.	 	The actual performance of the services, and delivery of the software, services and computing
equipment, described in this Agreement, if any, shall commence upon the acceptance of this
Agreement and payment of any deposit or retainer, if required. If this Agreement is executed
by IDEAL and sent to Client but is not executed by Client and returned to IDEAL before IDEAL
commences performing services for Client, it is specifically understood and agreed that all
terms and conditions of this Agreement shall apply and control all work performed by IDEAL for
Client. All dates for performance are estimates and are based upon prompt receipt of all
necessary information and assistance. IDEAL shall use its best efforts in performing the
services described in this agreement. These services are outlined on the attached Exhibit “B”
	 
	3.	 	Client shall provide payment in full for software products included on the attached Exhibit
“B” before services are delivered.
	 
	4.	 	Should Client not prepay services, services shall be billed at IDEAL’s option either upon
delivery or a regular interval no less frequently than semi-monthly. Terms are payable upon
receipt. The Client’s balance for services delivered shall, in no event, be more than $10,000.
Past due balances in excess of forty-five (45) days shall accrue finance charges at the rate
of 1.5% per month, or the highest rate permitted by law, and shall be reflected on Client’s
monthly statement. In the event that a balance due is part of a disputed amount no finance
charges will be applied to the disputed amount. IDEAL reserves the right to delay or suspend
its services to Client in the event that Client has a past due balance with IDEAL or should
the amount due for services be more than $10,000. Client understands that its obligation to
pay for IDEAL’s services constitutes an independent duty, and as such, Client agrees not to
make any set-off against amounts owed to IDEAL.
	 
	5.	 	Client agrees to pay all applicable sales and other taxes, duties, permits or similar costs.
If Client is tax exempt, all necessary certificates and documentation must be submitted with
this Agreement. Client agrees to indemnify, defend, and hold harmless IDEAL against
liabilities for such taxes, duties, permits or costs and related penalties, interest or other
costs (including attorneys’ fees) and for any claims, losses or liabilities (including
attorneys’ fees) relating to this Agreement, IDEAL’s services, or the products delivered
pursuant to this Agreement.
	 
	6.	 	Client agrees to make payments per this Agreement and if it fails to do so, agrees to pay all
costs of collection including legal fees, pre and post judgment interest at the rate of 1.5%
per month and all other additional costs of collection whatsoever incurred by IDEAL.

			
	 	 	 
	IDEAL Consulting, Inc.	 	 
	Pg. 5 of 11
	 	September 28, 2005

 

 

	7.	 	Client agrees to cooperate with IDEAL during the provision of the services provided herein by
making the necessary members of your staff available to work with IDEAL’s consultant(s). If
services are performed at Client’s place of business, Client agrees to provide to IDEAL’s
staff, at no charge, access to Client’s computers (if required), office space and facilities
commensurate with that which you provide to your own staff.
	 
	8.	 	Either party may terminate this Agreement effective upon ten (10) days written notice thereof
to the other party. All outstanding balances and all charges for hardware and software
(including work-in-progress) and for professional services delivered by IDEAL to Client up to
the date of termination shall be due and payable upon termination.
	 
	9.	 	IDEAL represents and warrants that its services shall be provided in a professional manner.
IDEAL MAKES AND CLIENT RECEIVES NO WARRANTY, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION
ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR USE, WITH RESPECT TO HARDWARE,
SOFTWARE OR ANY OTHER ITEMS INSTALLED BY IDEAL (COLLECTIVELY “PRODUCTS”). CLIENT AGREES THAT
ITS SOLE RECOURSE WITH RESPECT TO NON-PERFORMING OR DEFECTIVE PRODUCTS SHALL BE WITH THE
MANUFACTURER OR PRODUCER OF SUCH PRODUCTS. IDEAL SHALL HAVE NO LIABILITY FOR CONSEQUENTIAL,
EXEMPLARY, SPECIAL, INDIRECT, INCIDENTAL OR PUNITIVE DAMAGES (INCLUDING WITHOUT LIMITATION,
CLAIMS FOR PERSONAL INJURY OR PROPERTY DAMAGE ARISING IN TORT) EVEN IF IT HAS BEEN ADVISED OF
THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL THE LIABILITY OF IDEAL TO CLIENT EXCEED
THE AMOUNT PAID BY CLIENT TO IDEAL.
	 
	10.	 	The providing or transfer of any computer software by IDEAL as provided for in this proposal
shall only be a non-exclusive license in accordance with the provisions of the standard
license agreement of the third party vendor and not IDEAL.
	 
	11.	 	In the event there are defects in System Software provided by third party vendors to IDEAL
that delay installation or cause other detrimental consequences, the Client’s remedies shall
be solely against the third party software vendor.
	 
	12.	 	Client acknowledges that some or all of IDEAL’S services under this Agreement may include
working on or with products installed and/or work performed by others or by Client itself.
Notwithstanding any other provision of this Agreement, Client agrees that IDEAL has no
responsibility whatsoever with respect to products provided to Client or work performed for
Client by others or by Client, and that client’s rights with respect to any such work or
products, or any claims arising from or related to such work or products, are against the
entity or entities that performed the work or provided the services only. It is the intention
of the parties that IDEAL’S sole responsibility under this Agreement is for work, labor and
services performed by IDEAL as set forth in this Agreement, and that to the extent Client
claims that another entity or entities’ products or work give rise to any claims of whatsoever
nature, such claims may not be brought against IDEAL.
	 
	13.	 	Neither the failure nor any delay on the part of IDEAL to exercise any right, remedy or power
of privilege under this Agreement shall operate as a waiver thereof. Nor shall any single or
partial exercise of any right, remedy, power or privilege preclude any other or further
exercise of the same or of any other right, remedy, power of privilege with respect to any
other occurrence.
	 
	14.	 	Except for the obligation to make payments as described herein, neither party shall be in
default if failure to perform any obligation under this Agreement is caused by supervening
conditions beyond that party’s control, including acts of God, civil commotion, strikes, labor
disputes, terrorism and governmental demands or requirements.

			
	 	 	 
	IDEAL Consulting, Inc.	 	 
	Pg. 6 of 11
	 	September 28, 2005

 

 

	15.	 	All notices, requests, and demands required or permitted under this Agreement shall be in
writing and shall be deemed to have been duly given, made and received when sent by United
States mail, postage prepaid or by nationally recognized overnight carrier, addressed to the
parties as set forth above, or by facsimile transmission. Either party may alter the address
to which communications or copies are to be sent by giving notice of such change of address in
conformity with provisions of this paragraph for giving notice.
	 
	16.	 	Client and IDEAL shall protect each other’s confidential information disclosed in connection
with the performance of the work described in this Agreement, including all technical
information previously supplied or to be supplied by IDEAL to Client under this Agreement.
Disclosure of confidential information can cause irreparable harm, and at any time either
party may seek and obtain injunctive relief as well as monetary damages to stop the
dissemination of confidential information and provide economic relief for damage that has
occurred. IDEAL shall have the right to disclose that it has been engaged by the Client, and
further, to disclose the general nature of the work performed only as it applies to performing
the services contracted. IDEAL shall not make any public disclosures for the purpose of
advertising or marketing without the prior written consent of the client.
	 
	17.	 	Client agrees that the staff and employees of IDEAL have been provided with highly technical
training and that it would suffer significant harm if Client were to employ any such staff
member or employee. Client specifically agrees that it shall pay to IDEAL at the time of
hiring such member or employee an amount equal to all compensation paid to such staff member
or employee in the prior twelve months if a staff member or employee is hired by Client or an
affiliate of Client within six months after leaving the employ of IDEAL, with a minimum amount
being $50,000.
	 
	18.	 	In the event that at any time during the term of this Agreement a disagreement, dispute,
controversy or claim should arise out of, or relating to, the interpretation or performance
under, this Agreement, or the breach or invalidity thereof, the parties shall attempt in good
faith to resolve their differences. Any dispute, which is not resolvable, by the parties
shall be referred to binding arbitration in Tampa, Hillsborough County, Florida in accordance
with the then applicable rules of the American Arbitration Association and judgment on the
award may be entered in any court having jurisdiction thereof. The prevailing party in any
dispute shall be compensated for all attorney’s fees and associated costs by the other party.
	 
	19.	 	The relationship between the parties is that of an independent contractor for all purposes,
and the parties understand and agree that neither shall be involved in the management or
operations of the other.
	 
	20.	 	This Agreement shall be binding upon and inure to the benefit of the parties hereto and
respective successors and assigns. Client may not assign or transfer its rights or
obligations under this Agreement without the prior written consent of IDEAL.
	 
	21.	 	This Agreement and all questions relating to its validity, interpretation, performance and
enforcement shall be governed by and construed in accordance with the laws of the State of
Florida.
	 
	22.	 	The provisions of this Agreement are independent of and separable from each other, and no
provisions shall be affected or rendered invalid or unenforceable by virtue of the fact that
for any reason any other or others of them may be invalid or unenforceable in whole or in
part.
	 
	23.	 	This Agreement contains the entire understanding between the parties hereto with respect to
the subject matter hereof, and supersedes all prior and contemporaneous agreements and
understandings, inducements or conditions, expressed. The terms hereof control and supersede
any course of performance and/or usage of the trade
inconsistent with any of the terms other than by an agreement in writing. This includes
information provided in the Proposal presented to you.

	24.	 	This Agreement may be amended or modified in writing at any time by mutual agreement of the
parties.

			
	 	 	 
	IDEAL Consulting, Inc.	 	 
	Pg. 7 of 11
	 	September 28, 2005

 

 

IN WITNESS WHEREOF, the parties have caused this Agreement to become their binding agreement by
execution of their duly authorized officers as of the day and year set forth below.

	 	 	 	 	 	 	 
	 

	 	IDEAL Consulting, Inc.
	 	 	 	Ablest Inc.
	 

	 	 	 	 	 	 
	By:

	 	/s/ Chris Milan 	 	By:	 	/s/ W. David Foster 
	 

	 	 
	 	 	 	 
	 

	 	Authorized Representative
	 	 	 	Authorized Representative
	 

	 	 	 	 	 	 
	Name:

	 	Chris Milan	 	Name:	 	W. David Foster
	 

	 	 
	 	 	 	 
	 

	 	 	 	 	 	 
	Date:

	 	September 30, 2005 	 	Date:	 	September 30, 2005 
	 

	 	 
	 	 	 	 
	 

	 	 	 	 	 	 
	Title:

	 	Chief Operating Officer	 	Title:	 	Vice Chairman
	 

	 	 
	 	 	 	 

This Agreement is not valid if signed copy is not received by IDEAL by September 30th, 2005

			
	 	 	 
	IDEAL Consulting, Inc.	 	 
	Pg. 8 of 11
	 	September 28, 2005

 

 

Exhibit “A”

Fee Schedule / Billing Terms and Conditions

BASICS:

Each staff member maintains accurate time records, and clients are billed based on actual time
spent on their behalf. Clients are billed using the appropriate hourly rate multiplied by the
actual hours worked. IDEAL does not work on a fixed price basis for consulting or
implementation services. Whenever possible, we will provide a scope of work with an estimated
number of hours. If during the course of the engagement, we determine circumstances are such that
substantially greater work is required than originally estimated, we shall discuss it with you and
gain your approval before proceeding.

FEE SCHEDULE:

	 	 	 	 	 
	Project Management
	 	$175.00 / hour
	Senior Financial Consultant
	 	$165.00 / hour
	Financial Consultant
	 	$150.00 / hour
	CRM Consultant
	 	$150.00 / hour
	Payroll/Human Resource Consultant
	 	$150.00 / hour
	IT Services Consultant
	 	$150.00 / hour
	Custom Programming / Report Writing Services
	 	$150.00 / hour

	 	•	 	Billable time worked on Saturday, Sunday or holidays will be at 150% of the above rates.

TRAVEL TIME:

If the client’s location is greater than 25 miles from IDEAL’s office (2803 W Busch Blvd, Tampa, FL
33618), all travel time is billable at 1/2 of the above rates. If the client location is less than
25 miles from IDEAL’s offices, travel time will not be charged. Mileage will be based on MapQuest.
Client’s mileage is 18 miles from IDEAL’s office. If IDEAL relocates offices from current
location, mileage will be recalculated and the client will be notified of the new mileage distance.

CANCELLATIONS:

If a client cancels a consulting date less than 48 hours from the date scheduled, and if Ideal
cannot reschedule the consultant(s) to another client, the client shall be billed for four hours
per consultant scheduled as a cancellation fee.

TELEPHONE CALLS:

Telephone calls are treated the same way as other time spent on a client’s behalf. Clients are
billed using the appropriate hourly rate multiplied by the actual hours worked.

TRAVEL/OUT-OF-POCKET EXPENSES:

If the client’s location is greater than 25 miles, mileage to and from the client site is billed at
the standard IRS rates. Out-of-pocket expenses are billed at actual cost incurred. Out-of-pocket
expenses typically include, but are not limited to, airfare, automobile transportation, hotel
accommodations, meals and parking expenses.

BILLING CYCLE / FINANCE CHARGES:

Services are billed no less frequently than semi-monthly. Terms are payable upon receipt. The
Client’s balance for services delivered shall, in no event, be more than $10,000. Past due
balances in excess of forty-five (45) days, shall accrue finance charges at the rate of 1.5% per
month, or the highest rate permitted by law, and shall be reflected on Client’s monthly statement.
IDEAL reserves the right to delay or suspend its services to Client in the event that Client has a
past due balance with IDEAL or should the amount due for services be more than $10,000.

			
	 	 	 
	IDEAL Consulting, Inc.

Pg. 9 of 11
	 	September 28, 2005

 

 

Exhibit B

Software and Professional Services

Microsoft Great Plains

Ablest, Inc.

9/28/05

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	Ext. Price	 	 	Sub	 	 	 	 
	Great Plains	 	Software	 	 	Qty	 	 	Software	 	 	Total	 	 	Total	 
	Financial Management
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Business Intelligence Foundation Layer
includes 1 Professional User, Report &
System Manager, Analysis Cubes for
Excel, Sarbanes-Oxley Accelerator, Key
Performance Indicators, and Business
Portal
	 	 	3,500	 	 	 	1	 	 	 	3,500	 	 	 	3,500	 	 	 	 	 
	19 Additional Users
	 	 	2,000	 	 	 	19	 	 	 	38,000	 	 	 	38,000	 	 	 	 	 
	170 Additional Business Portal Employee Users
	 	 	40	 	 	 	170	 	 	 	6,800	 	 	 	6,800	 	 	 	 	 
	General Ledger
	 	 	2,000	 	 	 	1	 	 	 	2,000	 	 	 	2,000	 	 	 	 	 
	Account Level Security
	 	 	4,500	 	 	 	1	 	 	 	4,500	 	 	 	4,500	 	 	 	 	 
	Bank Reconciliation
	 	 	500	 	 	 	1	 	 	 	500	 	 	 	500	 	 	 	 	 
	Electronic Bank Reconciliation
	 	 	2,000	 	 	 	1	 	 	 	2,000	 	 	 	2,000	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Payables Management
	 	 	1,000	 	 	 	1	 	 	 	1,000	 	 	 	1,000	 	 	 	 	 
	Safe Pay for Payables
	 	 	1,000	 	 	 	1	 	 	 	1,000	 	 	 	1,000	 	 	 	 	 
	Fixed Asset Management
	 	 	4,000	 	 	 	1	 	 	 	4,000	 	 	 	4,000	 	 	 	 	 
	 
	 	 	 	 	 	 	1	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Financial Reporting and Analytics
	 	 	 	 	 	 	1	 	 	 	 	 	 	 	 	 	 	 	 	 
	FRx Professional Upgrade
	 	 	9,000	 	 	 	1	 	 	 	9,000	 	 	 	9,000	 	 	 	 	 
	(includes 4 Desinger Users, 10 FRx
Webport Users,
	 	 	 	 	 	 	1	 	 	 	 	 	 	 	 	 	 	 	 	 
	8 FRx Drill Down Viewers, 2 FRx Report
Launchers
	 	 	 	 	 	 	1	 	 	 	 	 	 	 	 	 	 	 	 	 
	FRx Currency Translator, and FRx Report
	 	 	 	 	 	 	1	 	 	 	 	 	 	 	 	 	 	 	 	 
	Server)
	 	 	 	 	 	 	1	 	 	 	 	 	 	 	 	 	 	 	 	 
	FRx WebPort License (additional block of
10 users)
	 	 	1,000	 	 	 	6	 	 	 	6,000	 	 	 	6,000	 	 	 	 	 
	 
	 	 	 	 	 	 	1	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Human Resources, Payroll and Project
	 	 	 	 	 	 	1	 	 	 	 	 	 	 	 	 	 	 	 	 
	Payroll (250-500 employees)
	 	 	4,000	 	 	 	1	 	 	 	4,000	 	 	 	4,000	 	 	 	 	 
	Human Resources (250-500 employees)
	 	 	7,000	 	 	 	1	 	 	 	7,000	 	 	 	7,000	 	 	 	 	 
	Human Resources Self Service Suite
	 	 	5,000	 	 	 	1	 	 	 	5,000	 	 	 	5,000	 	 	 	 	 
	Project Accounting with Time and Expense
	 	 	6,750	 	 	 	1	 	 	 	6,750	 	 	 	6,750	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Customization and Integration

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	SmartList Builder

	 	 	1,250	 	 	 	1	 	 	 	1,250	 	 	 	1,250	 	 	 	 	 
	Great Plains Extender
	 	 	1,750	 	 	 	1	 	 	 	1,750	 	 	 	1,750	 	 	 	 	 
	eConnect Core
	 	 	5,000	 	 	 	1	 	 	 	5,000	 	 	 	5,000	 	 	 	 	 
	Modifier with VBA
	 	 	5,000	 	 	 	1	 	 	 	5,000	 	 	 	5,000	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	Sub-Total	 	 	114,050	 	 	 	114,050	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Additional Modules
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Integrity Data PTO Manager
	 	 	6,000	 	 	 	1	 	 	 	6,000	 	 	 	6,000	 	 	 	 	 
	Integrity Data Deductions in Arrears
	 	 	2,000	 	 	 	1	 	 	 	2,000	 	 	 	2,000	 	 	 	 	 
	Integrity Data PR to AP Integration
	 	 	2,500	 	 	 	1	 	 	 	2,500	 	 	 	2,500	 	 	 	 	 
	Mekorma MICR for AP and PR
	 	 	4,500	 	 	 	1	 	 	 	4,500	 	 	 	4,500	 	 	 	 	 
	Meit Solutions SOX Suite (Audit Trails and Enh. Sec)
	 	 	8,350	 	 	 	1	 	 	 	8,350	 	 	 	8,350	 	 	 	 	 
	 	 	Sub-Total Additional
Modules
	 	 	15,000	 	 	 	23,350	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Standard Plan B
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	28,513	 	 	 	 	 
	Additional Modules Maintenance
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	6,270	 	 	 	 	 
	Less Discount
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	(17,108	)	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Total Software Investment
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	$	155,075	 

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	Low	 	 	High	 	 	Low	 	 	High	 	 	 	 
	Training & Implementation Costs	 	Hours	 	 	Hours	 	 	Hours	 	 	Hours	 	 	Average	 
	Implementation Meeting & Analysis
	 	 	32	 	 	 	60	 	 	$	4,800	 	 	$	9,000	 	 	$	6,900	 
	Installation
	 	 	12	 	 	 	24	 	 	$	1,800	 	 	$	3,600	 	 	$	2,700	 
	Setup and Configuration
	 	 	40	 	 	 	60	 	 	$	6,000	 	 	$	9,000	 	 	$	7,500	 
	Conference Room Pilot
	 	 	120	 	 	 	160	 	 	$	18,000	 	 	$	24,000	 	 	$	21,000	 
	End User Training
	 	 	75	 	 	 	100	 	 	$	11,250	 	 	$	15,000	 	 	$	13,125	 
	Custom Report Writing
	 	 	40	 	 	 	60	 	 	$	6,000	 	 	$	9,000	 	 	$	7,500	 
	Customization and Integration
	 	 	40	 	 	 	60	 	 	$	6,000	 	 	$	9,000	 	 	$	7,500	 
	Data Conversion
	 	 	300	 	 	 	375	 	 	$	45,000	 	 	$	56,250	 	 	$	50,625	 
	Project Management and Documentation
	 	 	75	 	 	 	135	 	 	$	11,250	 	 	$	20,250	 	 	$	15,750	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Training & Implementation Costs Total
	 	 	734	 	 	 	1034	 	 	 	110,100	 	 	 	155,100	 	 	 	132,600	 

Notes

	 	1.	 	This proposal is valid until September 30th, 2005.
	 
	 	2.	 	Any shipping charges will be billed at actual cost incurred.

			
	 	 	 
	IDEAL Consulting, Inc.

Pg. 10 of 11
	 	September 28, 2005

 

 

	 	3.	 	State and applicable sales taxes have not been included in this proposal and
will be invoiced in accordance with county and state sales tax rates.
	 
	 	4.	 	The Standard Plan B includes unlimited incidents with 1-hour guaranteed
response time (through Microsoft Business Solutions), one Technet Plus server
subscription, managed newsgroups, four online training subscription for the Foundation
Library, the ability to initiate chat and screensharing with eSupport, and all the
benefits of the Enhancement Program.
	 
	 	5.	 	The consulting time proposed is an estimate only. IDEAL bills for actual time
expended on a time and material basis.

			
	 	 	 
	IDEAL Consulting, Inc.

Pg. 11 of 11
	 	September 28, 2005<PAGE>
                                                                    Exhibit 10.1

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

                   FIRST AMENDED AND RESTATED CREDIT AGREEMENT

                                   dated as of

                               September 30, 2005

                                      among

                               CRAWFORD & COMPANY
                     CRAWFORD & COMPANY INTERNATIONAL, INC.,

                            The LENDERS Party Hereto

                                       and

                                 SUNTRUST BANK,
                             as Administrative Agent

                                   ----------

                           SUNTRUST ROBINSON HUMPHREY
                 (a division of SunTrust Capital Markets, Inc.),
                                as Lead Arranger

                              BANK OF AMERICA, N.A.
                              as Syndication Agent

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

<PAGE>

          FIRST AMENDED AND RESTATED CREDIT AGREEMENT dated as of September 30,
2005 (this "First Amendment and Restatement") among CRAWFORD & COMPANY, a
Georgia corporation ("Crawford") and CRAWFORD & COMPANY INTERNATIONAL, INC., a
Georgia corporation ("International"; International and Crawford are
collectively referred to herein as the "Borrowers", and each individually as, a
"Borrower"), the LENDERS party hereto (the "Lenders") and SUNTRUST BANK
("SunTrust"), as administrative agent for the Lenders (in such capacity,
together with its successors in such capacity, the "Administrative Agent").

                                   WITNESSETH:

          WHEREAS, the Borrowers, the Lenders and SunTrust, as Administrative
Agent, are parties to the Revolving Credit Agreement dated as of September 30,
2003 (as amended and in effect immediately prior to the effectiveness of this
First Amendment and Restatement, the "Existing Credit Agreement");

          WHEREAS, the Borrowers have requested certain amendments to provisions
of the Existing Credit Agreement, including, among other things, the extension
of the availability of the commitments thereunder, and the Lenders are willing
to make such amendments on the terms and conditions set forth below;

          NOW, THEREFORE, the parties hereto hereby agree that, effective as of
the Restatement Effective Date (as defined in Section 4 hereof), the Existing
Credit Agreement shall be amended and restated to read in its entirety as set
forth in the Existing Credit Agreement, which is incorporated herein by this
reference, subject to the amendments set forth in Section 2 hereof (the Existing
Credit Agreement, as so amended and restated hereby, is herein called the "First
Amended and Restated Credit Agreement"):

          Section 1. Definitions. Except as otherwise defined herein, terms
defined in the Existing Credit Agreement have the meanings ascribed thereto in
the Existing Credit Agreement, after giving effect to the amendments set forth
in Section 2 hereof.

          Section 2. Amendments. Effective as of the Restatement Effective Date,
the Existing Credit Agreement is hereby amended as follows:

          2.01. Certain References. References (a) in the Existing Credit
Agreement (including the Exhibits thereto) to "this Agreement", the "Credit
Agreement", and the "Revolving Credit Agreement" (or words of similar import,
including indirect references thereto) shall be deemed to be references to the
First Amended and Restated Credit Agreement, (b) in the Existing Credit
Agreement to "Closing Date" (other than references in the "Closing Date"
contained in Sections 2.17, 3.1, 5.10 and 7.2 of the Existing Credit Agreement)
shall be deemed to be references to the Effective Date (as defined in Section
2.02 below), (c) in Sections 4.14, 4.16 and 7.4 of the Existing Credit Agreement
to "Funding Date" shall be deemed to be references to the Effective Date (as
defined in Section 2.02 below) and (d) in Section 4.16 of the Existing Credit
Agreement to "August 31, 2003" shall be deemed to be a reference to "August 31,
2005".

          2.02. Certain Definitions.

          (a) Section 1.1 of the Existing Credit Agreement shall be amended by
inserting the following definitions (or, in the case of any of the following
defined terms that are already

<PAGE>

defined in the Existing Credit Agreement, by amending and restating in its
entirety each such term to read as set forth below) in their proper respective
alphabetical locations:

          "COMMITMENT TERMINATION DATE" shall mean the earliest of (i) September
29, 2010 and (ii) the date on which all amounts outstanding under this Agreement
have been declared or have automatically become due and payable (whether by
acceleration or otherwise).

          "CONSOLIDATED EBITDA" shall mean, for the Consolidated Parties for any
period, an amount equal to the sum of (a) Consolidated Net Income for such
period plus (b) without duplication and only to the extent deducted in
determining Consolidated Net Income for such period, (i) Consolidated Interest
Expense, (ii) income tax expense, (iii) depreciation and amortization and (iv)
all other non-cash charges satisfactory to the Administrative Agent in its
reasonable discretion (including non-cash charges for such period taken for the
impairment of goodwill in accordance with Statement of Financial Accounting
Standards No. 142 "Goodwill and Other Intangible Assets" issued by the Financial
Accounting Standards Board) minus (c) all software costs capitalized during such
period (other than software purchased or acquired from software vendors), in
each case determined on a consolidated basis in accordance with GAAP for such
period.

          "CONSOLIDATED EBITDAR" shall mean, for the Consolidated Parties for
any period, an amount equal to the sum of (a) Consolidated Net Income for such
period plus (b) without duplication and only to the extent deducted in
determining Consolidated Net Income for such period, (i) Consolidated Interest
Expense, (ii) income tax expense, (iii) Consolidated Lease Expense, (iv)
depreciation and amortization and (iv) all other non-cash charges satisfactory
to the Administrative Agent in its reasonable discretion (including non-cash
charges for such period taken for the impairment of goodwill in accordance with
Statement of Financial Accounting Standards No. 142 "Goodwill and Other
Intangible Assets" issued by the Financial Accounting Standards Board) minus (c)
all software costs capitalized during such period (other than software purchased
or acquired from software vendors), in each case determined on a consolidated
basis in accordance with GAAP for such period.

          "EFFECTIVE DATE" means the date on which all conditions precedent set
forth in Section 4 of the First Amendment and Restatement have been satisfied.

          "FIRST AMENDMENT AND RESTATEMENT" means the First Amendment and
Restatement of this Agreement dated as of September 30, 2005 among the
Borrowers, the Administrative Agent and the Lenders.

          "FIXED CHARGE COVERAGE RATIO" shall mean, for any period of four
consecutive fiscal quarters of Crawford, the ratio of (a) Consolidated EBITDAR
for such period to (b) Consolidated Fixed Charges for such period.

          "PERMITTED SALE/LEASEBACK TRANSACTION" shall mean a transaction to be
entered into by Crawford after the Closing Date pursuant to which Crawford will
sell its corporate headquarters located at 5620 Glenridge Drive, Atlanta,
Georgia, and contemporaneously lease property to be used as Crawford's corporate
headquarters; provided, that (i) such sale/leaseback transaction is consummated
no later than June 30, 2006; (ii) Crawford receives gross cash proceeds of not
less than $10,000,000 in connection with such sale, (iii) no Default or Event of
Default exists immediately prior to such sale/leaseback transaction or will
result after giving

                                       -2-

<PAGE>

effect to such sale/leaseback transaction and (iv) the terms and conditions of
the lease of such property are reasonably acceptable to the Administrative
Agent.

          (b) The following definitions contained in Section 1.1 of the Existing
Credit Agreement shall be deleted in their entirety: "Consolidated EBITR",
"Existing Lenders", "Payoff Letter" and "Statement of Funds Flow".

          2.03. Section 4.4 of the Existing Credit Agreement shall be amended
and restated in its entirety as follows:

          "SECTION 4.4. FINANCIAL STATEMENTS. The Borrowers have furnished to
     each Lender (i) the audited consolidated balance sheet of Crawford as of
     December 31, 2004 and the related audited consolidated statements of
     income, changes in shareholders' equity and cash flows for the fiscal year
     then ended prepared by Ernst & Young LLP and (ii) the unaudited
     consolidated balance sheet of Crawford as at the end of June 30, 2005, and
     the related unaudited consolidated statements of income and cash flows for
     the fiscal quarter then ending, certified by a Responsible Officer. Such
     financial statements fairly present in all material respects the
     consolidated financial condition of Crawford as of such dates and the
     consolidated results of operations for such periods in conformity with GAAP
     consistently applied, subject to year end audit adjustments and the absence
     of footnotes in the case of the statements referred to in clause (ii).
     Since December 31, 2004, there have been no changes, events, acts,
     conditions or occurrences of any nature, singly or in the aggregate that
     have had or could reasonably be expected to have a Material Adverse Effect.
     Since the December 31, 2004, no Consolidated Party has made any Restricted
     Payment except as permitted pursuant to Section 7.5."

          2.04. Section 5.9 of the Existing Credit Agreement shall be amended
and restated in its entirety as follows:

          "SECTION 5.9. USE OF PROCEEDS AND LETTERS OF CREDIT. The Borrowers
     will use the proceeds of all Loans after Effective Date to finance
     Acquisitions that are permitted hereunder, to finance working capital needs
     of the Borrowers and their Subsidiaries and for other general corporate
     purposes of the Borrowers and their Subsidiaries including loans from
     Borrowers to their Subsidiaries to the extent permitted herein. All Letters
     of Credit will be used solely for general corporate purposes.
     Notwithstanding the foregoing, the Borrowers will not, directly or
     indirectly, use the proceeds of any Loan or any Letter of Credit to make
     any loan or other advance to, or Investment in, any Dormant Company."

          2.05. Article VI of the Existing Credit Agreement shall be amended and
restated in its entirety as follows:

                                   "ARTICLE VI

                               FINANCIAL COVENANTS

          The Borrowers covenant and agree that, from and after the Closing
Date, so long as any Lender has a Commitment hereunder or the principal of or
interest on or any Loan

                                       -3-

<PAGE>

remains unpaid or any fee or any LC Disbursement remains unpaid or any Letter of
Credit remains outstanding:

          SECTION 6.1. LEVERAGE RATIO. Crawford will not permit the Leverage
Ratio, as at the end of each fiscal quarter of Crawford set forth below, to
exceed the ratio set forth opposite such period:

<TABLE>
<CAPTION>
              PERIOD                     RATIO
----------------------------------   ------------
<S>                                  <C>
Closing Date through June 30, 2006   2.75 to 1.00
July 1, 2006 through June 30, 2007   2.50 to 1.00
July 1, 2007 and thereafter          2.25 to 1.00
</TABLE>

          SECTION 6.2. FIXED CHARGE COVERAGE RATIO. Crawford will not permit the
Fixed Charge Coverage Ratio, as at the end of each fiscal quarter of Crawford
set forth below, to be less than the ratio set forth opposite such period:

<TABLE>
<CAPTION>
                 PERIOD                       RATIO
---------------------------------------   ------------
<S>                                       <C>
Closing Date through September 30, 2007   1.50 to 1.00
December 31, 2007 and thereafter          1.75 to 1.00
</TABLE>

          SECTION 6.3. MINIMUM NET WORTH. Crawford will maintain a Net Worth in
an amount equal to or greater than the sum of (i) $167,260,000, plus (ii) 50% of
cumulative positive Consolidated Net Income accrued after June 30, 2005, plus
(iii) 100% of the Net Proceeds from any Equity Offering; provided, that the Net
Proceeds of an Equity Offering of a debt security that is convertible into or
exchangeable for capital stock of Crawford or a debt security that is issued
with a warrant or other instrument to purchase capital stock of Crawford shall
not be required to be added under this clause (iii) unless and until such debt
security is converted into or exchanged for, or such warrant or other instrument
is exercised for, capital stock of Crawford. For purposes of determining Net
Worth on any date after June 30, 2005, (A) any non-cash adjustment after June
30, 2005 (whether such adjustment is an increase or decrease) to shareholders'
investment related to pension fund liabilities, (B) any non-cash adjustment
after June 30, 2005 (whether such adjustment is an increase or decrease) to
shareholders' investment related to goodwill and (C) any non-cash adjustment
after June 30, 2005 (whether such adjustment is an increase or decrease) to
shareholders' investment related to foreign currency translations shall, in each
case, be excluded. The foregoing covenant shall be calculated and tested
quarterly on the last day of each fiscal quarter of Crawford commencing with the
fiscal quarter ending September 30, 2005."

          2.06. Section 7.1 of the Existing Credit Agreement shall be amended
and restated in its entirety as follows:

                                       -4-

<PAGE>

          "SECTION 7.1. INDEBTEDNESS. The Borrowers will not, and will not
permit any Subsidiaries to, create, incur, assume or suffer to exist any
Indebtedness, except:

          (a) Indebtedness created pursuant to the Loan Documents;

          (b) Private Placement Indebtedness, including refundings, refinancings
and replacements thereof, and amendments or modifications to the Private
Placement Loan Documents; provided, however, that the aggregate principal amount
of such Private Placement Indebtedness shall not at any time exceed $50,000,000
plus the aggregate amount of Indebtedness available to be incurred at such time
pursuant to clause (i) immediately below (which additional Indebtedness may be
secured to the same extent as the Private Placement Indebtedness);

          (c) Indebtedness on the Funding Date set forth on Schedule 7.1 and
borrowings, reborrowings and refinancings of such amounts up to the "Available"
amounts set forth on such Schedule 7.1;

          (d) Indebtedness of any Loan Party incurred to finance the
acquisition, construction or improvement of any fixed or capital assets,
including Capital Lease Obligations; provided, that (i) such Indebtedness is
incurred prior to or within 90 days after such acquisition or the completion of
such construction or improvements and extensions, renewals, and replacements of
any such Indebtedness that do not increase the outstanding principal amount
thereof (immediately prior to giving effect to such extension, renewal or
replacement) or shorten the maturity or the weighted average life thereof and
(ii) such Indebtedness does not, in the aggregate, exceed $5,000,000 at any time
outstanding;

          (e) Indebtedness of any Consolidated Subsidiary (other than a Dormant
Company) owing to a Loan Party to the extent permitted under Section 7.4(d);

          (f) Guarantees by any Consolidated Subsidiary of Indebtedness of the
Borrowers and guarantees by a Borrower of Indebtedness of any Consolidated
Subsidiary (other than a Dormant Company); provided, that any Indebtedness of a
Borrower which is guaranteed by a Consolidated Subsidiary and any Indebtedness
of any Consolidated Subsidiary which is guaranteed by a Borrower must otherwise
be permitted under this Section 7.1;

          (g) Indebtedness of the Borrowers in respect of obligations under
Hedging Agreements permitted by Section 7.10;

          (h) unsecured Indebtedness of Crawford & Company (Australia) Pty
Limited in an aggregate amount not to exceed AUD$5,500,000 for the purpose of
effecting a Permitted Acquisition in Australia; and

          (i) up to an aggregate principal amount of $5,000,000 of Indebtedness
of the Borrowers and the Consolidated Subsidiaries (other than a Dormant
Company) which shall be (A) unsecured and/or (B) additional Private Placement
Indebtedness incurred pursuant to clause (b) above; provided, however, that the
aggregate principal amount of all Indebtedness outstanding at any one time
pursuant to this clause (i) shall not exceed $5,000,000."

                                       -5-

<PAGE>

          2.07. Section 7.5(a) of the Existing Credit Agreement shall be amended
and restated in its entirety as follows:

          "(a) The Borrowers will not, and will not permit any Subsidiary to,
     declare or make, or agree to pay or make, directly or indirectly, any
     dividend on any class of its stock, or make any payment or prepayment on
     account of, or set apart assets for a sinking or other analogous fund for,
     the purchase, redemption, retirement, defeasance or other acquisition of,
     any shares of capital stock, or Indebtedness subordinated in any manner to
     the Obligations, or any options, warrants, or other rights to purchase such
     capital stock or such Indebtedness, whether now or hereafter outstanding
     (each, a "RESTRICTED PAYMENT"), except for (i) dividends payable by
     Crawford solely in shares of any class of its capital stock; (ii)
     Restricted Payments made by any Subsidiary to either Borrower or to another
     Subsidiary (other than a Dormant Company) and (iii) cash dividends paid on,
     and cash redemptions of, the common stock of Crawford in an amount not to
     exceed 100% of Consolidated Net Income (if greater than $0) earned during
     the immediately preceding fiscal year of Crawford; provided, that, in the
     case of clauses (i) and (iii) above, no Default or Event of Default has
     occurred and is continuing at the time such dividend is paid or redemption
     is made or would be caused thereby; provided, further, that in the case of
     clause (ii) above, no Default or Event of Default has occurred and is
     continuing at the time any such Restricted Payment is made or would be
     caused thereby if such Restricted Payment is to be made to any Person other
     than a Loan Party. Notwithstanding the foregoing, Crawford may, during its
     fiscal year ending December 31, 2006, declare and pay cash dividends on, or
     make cash redemptions of, the common stock of Crawford in an aggregate
     amount not to exceed the sum of (x) 100% of Consolidated Net Income (if
     greater than $0) of Crawford earned during its fiscal year ending December
     31, 2005 plus (y) $4,000,000."

          2.08. Section 7.6 of the Existing Credit Agreement shall be amended
and restated in its entirety as follows:

               "SECTION 7.6. SALE OF ASSETS. Except as permitted under Section
     7.3, the Borrowers will not, and will not permit any Subsidiary (other than
     a Dormant Company) to, convey, sell, lease, assign, transfer or otherwise
     dispose of, any of their respective assets, business or property, whether
     now owned or hereafter acquired, or, in the case of any Subsidiary, issue
     or sell any shares of such Subsidiary's capital stock to any Person other
     than Crawford or any Wholly-Owned Subsidiary of Crawford other than a
     Dormant Company (or to qualify directors if required by applicable law),
     except:

               (a) the sale or other disposition for fair market value of
     obsolete or worn out property or other property not necessary for
     operations disposed of in the ordinary course of business;

               (b) the sale of inventory and Permitted Investments in the
     ordinary course of business;

               (c) the sale or other disposition of the real property and
     improvements currently comprising Crawford's corporate headquarters at 5620
     Glenridge Drive, Atlanta, Georgia, but only if (i) prior to the
     consummation of such sale or disposition (x) replacement offices have been
     leased or purchased and (y) Crawford has given the

                                       -6-

<PAGE>

     Administrative Agent written notice of its new address in accordance with
     Section 10.1, (ii) such sale or disposition is consummated no later than
     June 30, 2006; (iii) Crawford receives gross cash proceeds of not less than
     $10,000,000 in connection with such sale or disposition and (iii) no
     Default or Event of Default exists immediately prior to such sale or
     disposition or will result after giving effect to such sale or disposition;
     and

               (d) the sale or other disposition of such assets (which may
     include the capital stock of any Subsidiary of the Borrowers or all or
     substantially all of the assets of any Subsidiary of the Borrowers) in an
     aggregate amount in any fiscal year of Crawford not to exceed $7,500,000."

          2.09. Section 7.9 of the Existing Credit Agreement shall be amended
and restated in its entirety to read as follows:

          "SECTION 7.9. SALE AND LEASEBACK TRANSACTIONS. The Borrowers will not,
     and will not permit any Subsidiaries to, enter into any arrangement,
     directly or indirectly, whereby they shall sell or transfer any property,
     real or personal, used or useful in their business, whether now owned or
     hereinafter acquired, and thereafter rent or lease such property or other
     property that they intend to use for substantially the same purpose or
     purposes as the property sold or transferred, except for (i) any such sale
     of any fixed or capital assets that is made for cash consideration in an
     amount not less than the cost of such fixed or capital asset and is
     consummated within 90 days after the Borrowers or such Subsidiary acquires
     or completes the construction of such fixed or capital asset and (ii) the
     Permitted Sale/Leaseback Transaction."

          2.10. Section 10.3(b) of the Existing Credit Agreement shall be
amended and restated in its entirety as follows:

          "(b) The Borrowers shall indemnify the Administrative Agent, the
     Issuing Bank and each Lender, and each Related Party of any of the
     foregoing (each, an "INDEMNITEE") against, and hold each of them harmless
     from, any and all costs, losses, liabilities, claims, damages and related
     expenses, including the fees, charges and disbursements of any counsel for
     any Indemnitee, which may be incurred by or asserted against any Indemnitee
     or asserted against any Indemnitee by any third party or by any of the Loan
     Parties or their Affiliates arising out of, in connection with or as a
     result of (i) the execution or delivery of this Agreement or any other
     agreement or instrument contemplated hereby, the performance by the parties
     hereto of their respective obligations hereunder or the consummation of any
     of the transactions contemplated hereby, (ii) any Loan or Letter of Credit
     or any actual or proposed use of the proceeds therefrom (including any
     refusal by the Issuing Bank to honor a demand for payment under a Letter of
     Credit if the documents presented in connection with such demand do not
     strictly comply with the terms of such Letter of Credit), (iii) any actual
     or alleged presence or release of Hazardous Materials on or from any
     property owned by either Borrower or any Subsidiary or any Environmental
     Liability related in any way to either Borrower or any Subsidiary or (iv)
     any actual or prospective claim, litigation, investigation or proceeding
     relating to any of the foregoing, whether based on contract, tort or any
     other theory, whether brought by a third party or by any of the Loan
     Parties or their Affiliates, and regardless of whether any Indemnitee is a
     party thereto; provided, that such indemnity shall not, as to any
     Indemnitee, be available to the extent that such costs,

                                       -7-

<PAGE>

     losses, liabilities, claims, damages or related expenses (x) are determined
     by a court of competent jurisdiction by final and nonappealable judgment to
     have resulted from the gross negligence or willful misconduct of such
     Indemnitee or (y) result from a claim brought by the Loan Parties against
     an Indemnitee for breach in bad faith of such Indemnitee's obligations
     hereunder or under any other Loan Document, if such Loan Party has obtained
     a final and nonappealable judgment in its favor on such claim as determined
     by a court of competent jurisdiction."

          2.11. Section 5.12 and Section 7.13 shall be deleted from the Existing
Credit Agreement. In connection with the deletion of Section 5.12 from the
Existing Credit Agreement, the Lenders hereby waive the Event of Default under
the Existing Credit Agreement arising solely by virtue of the failure by the
Borrowers to dissolve Brocklehursts, Inc. as required by such Section 5.12. The
Borrowers acknowledge and agree that the foregoing waiver shall not waive (or be
deemed to be or constitute a waiver of) any other covenant, term or provision in
the Existing Credit Agreement or the First Amended and Restated Credit
Agreement, or hinder, restrict or otherwise modify the rights and remedies of
the Lenders and the Administrative Agent with respect to any other existing
Event of Default (if any) or any future Default or Event of Default under the
First Amended and Restated Credit Agreement or any other Loan Document.

          2.12. A new Section 10.13 shall be inserted at the end of Article X of
the Existing Credit Agreement to read as follows:

          "SECTION 10.13. USA PATRIOT ACT. Each Lender hereby notifies the
     Borrowers that pursuant to the requirements of the USA PATRIOT Act (Title
     III of Pub. L. 107-56 (signed into law October 26, 2001)), such Lender may
     be required to obtain, verify and record information that identifies the
     Borrowers, which information includes the name and address of the Borrowers
     and other information that will allow such Lender to identify the Borrowers
     in accordance with said Act."

          2.13. Schedules. Schedules 4.5(a), 4.5(b), 4.14, 4.16, 7.1 and 7.4 of
the Existing Credit Agreement shall be replaced by Schedule 4.5(a), Schedule
4.5(b), Schedule 4.14, Schedule 4.16, Schedule 7.1 and Schedule 7.4,
respectively, attached to this First Amendment and Restatement and any reference
in the Existing Credit Agreement to any such schedule (or words of similar
import, including indirect references to such schedule) shall be deemed to be a
reference to the corresponding schedule attached hereto.

          Section 3. Representations and Warranties. The Borrowers hereby
represent and warrant to the Lenders and the Administrative Agent that as of the
Restatement Effective Date:

          (a) the representations and warranties set forth in Article IV of the
     Existing Credit Agreement (as amended and restated hereby) are true and
     correct in all material respects as of the Restatement Effective Date,
     except to the extent such representations and warranties specifically
     relate to an earlier date, in which case such representations and
     warranties shall have been true, correct and complete in all material
     respects on and as of such earlier date ;

          (b) the execution and delivery by the Borrowers of this First
     Amendment and Restatement are within the corporate power and authority of
     the Borrowers, have been duly authorized by all requisite corporate action
     of the Borrowers, and do not and will not

                                       -8-

<PAGE>

     contravene any provision of applicable law or the Borrowers' articles of
     incorporation or by-laws, or any amendment thereof, or any indenture,
     agreement, instrument or undertaking binding on the Borrowers, including,
     without limitation, the Note Purchase Agreement. This First Amendment and
     Restatement has been duly executed by the Borrowers;

          (c) the Existing Credit Agreement and the other Loan Documents remain
     in full force and effect and constitute the legal, valid and binding
     obligations of the Borrowers, enforceable in accordance with their terms,
     except as limited by bankruptcy, insolvency, reorganization, moratorium or
     similar laws relating to or affecting generally the enforcement of
     creditor's rights;

          (d) on and as of the date hereof, and on the Restatement Effective
     Date, after giving effect to this First Amendment and Restatement, no
     Default or Event of Default has occurred or will otherwise exist; and

          (e) All Subsidiary Loan Parties, and all Subsidiaries of Crawford that
     are required to be or become a Subsidiary Loan Party pursuant to Section
     5.10 of the Existing Credit Agreement, have duly executed and delivered the
     Reaffirmation (as defined below).

          Section 4. Conditions Precedent. The amendment and restatement of the
Existing Credit Agreement contemplated hereby and the obligations of the Lenders
to make Loans under the First Amended and Restated Credit Agreement shall become
effective as of the date (the "Restatement Effective Date") that the
Administrative Agent shall have received each of the following, in form and
substance satisfactory to it:

          4.01. Borrower Documents.

          (a) This First Amendment and Restatement, duly executed and delivered
     by the Borrowers, the Lenders and the Administrative Agent.

          (b) A certificate of the Secretary or Assistant Secretary of each
     Borrower, attaching and certifying a copy of its bylaws and the resolutions
     of its board of directors authorizing the execution, delivery and
     performance of this First Amendment and Restatement and certifying the
     name, title and true signature of each officer of such Borrower executing
     this First Amendment and Restatement;

          (c) Certified copies of the articles of incorporation of each
     Borrower, together with certificates of good standing from the Secretary of
     State of Georgia;

          (d) A Reaffirmation of Obligations under Loan Documents (the
     "Reaffirmation") duly executed by the Borrowers, the Administrative Agent,
     the Lenders and each of the Subsidiary Loan Parties, in the form of Exhibit
     A attached hereto;

          (e) on or prior to the Restatement Effective Date, delivery of
     certified copies of all consents, approvals, authorizations, registrations,
     or filings required to be made or obtained by either Borrower and any
     Subsidiary Loan Party in connection with this First Amendment and
     Restatement and the transactions contemplated herein; and

                                       -9-

<PAGE>

          (f) Such other documents as the Administrative Agent on behalf of the
     Lenders may reasonably request.

          4.02. Opinion of Counsel. An opinion of King & Spalding LLP, counsel
for the Borrowers.

          4.03. Payment of Amounts under Existing Credit Agreement, Etc.
Evidence satisfactory to the Administrative Agent of payment in full of: (a) all
fees payable to the Administrative Agent and Lead Arranger in connection with
this First Amendment and Restatement as may be separately agreed between
SunTrust and the Borrowers; (b) all unpaid fees payable under Section 2.16 of
the Existing Credit Agreement, accrued through but not including the Restatement
Effective Date; (c) all reasonable costs and expenses of the Administrative
Agent in connection with this First Amendment and Restatement, including,
without limitation, the reasonable fees and expenses of Alston & Bird LLP,
counsel to SunTrust, in connection with the negotiation, preparation, execution
and delivery of this First Amendment and Restatement.

          Section 5. Release. In consideration of the amendments contained
herein, the Borrowers hereby waive and release each of the Lenders, the
Administrative Agent and the Issuing Bank from any and all claims and defenses,
known or unknown, with respect to the Existing Credit Agreement and the other
Loan Documents and the transactions contemplated thereby

          Section 6. Miscellaneous. Except as herein provided, the Existing
Credit Agreement shall remain unchanged and in full force and effect. This First
Amendment and Restatement may be executed in any number of counterparts, all of
which taken together shall constitute one and the same instrument and any of the
parties hereto may execute this First Amendment and Restatement by signing any
such counterpart and sending the same by telecopier, mail, messenger or courier
to the Administrative Agent. This First Amendment and Restatement shall be
governed by, and construed in accordance with, the law of the State of New York.

                  [Remainder of page intentionally left bank.]

                                      -10-

<PAGE>

          IN WITNESS WHEREOF, the parties hereto have caused this First
Amendment and Restatement to be duly executed as of the date first above
written.

                                        BORROWERS

                                        CRAWFORD & COMPANY

                                        By: /s/ John F. Giblin
                                            ------------------------------------
                                        Name: John F. Giblin
                                        Title: Executive Vice President-Finance

                                        U.S. Federal Tax
                                        Identification No.: 58-0506554

                                        CRAWFORD & COMPANY
                                        INTERNATIONAL, INC.

                                        By: /s/ John F. Giblin
                                            ------------------------------------
                                        Name: John F. Giblin
                                        Title: Executive Vice President

                                        U.S. Federal Tax
                                        Identification No.: 58-1925694

                                        Notice Address:

                                        5620 Glenridge Drive N.E.
                                        Atlanta, Georgia 30342
                                        Attention: Joe Caporaso
                                        Telecopy No.: 404-845-3127

                                      -11-

<PAGE>

                                        LENDERS

                                        SUNTRUST BANK,
                                           as Administrative Agent, Issuing
                                           Bank,
                                           as Swingline Lender and as a Lender

                                        By: /s/ Kelly Gunter
                                            ------------------------------------
                                        Name: Kelly Gunter
                                        Title: Vice President

                                        BANK OF AMERICA, N.A.,
                                           as Syndication Agent and a Lender

                                        By: /s/ Philip Potter
                                            ------------------------------------
                                        Name: Philip Potter
                                        Title: Vice President

                                        CITIBANK, N.A.,
                                           as a Lender

                                        By: /s/ Michel R. R. Pendill
                                            ------------------------------------
                                        Name: Michel R. R. Pendill
                                        Title: Managing Director, SC04
                                               Franchise Head
                                               Product Relationship Mgmt. Group

                                      -12-

<PAGE>

                                    EXHIBIT A

                REAFFIRMATION OF OBLIGATIONS UNDER LOAN DOCUMENTS

     Reference is hereby made to that certain Revolving Credit Agreement dated
as of September 30, 2003 among Crawford & Company, Crawford & Company
International, Inc., the Lenders a party thereto and SunTrust Bank, as
Administrative Agent, as the amended and restated pursuant to that certain First
Amended and Restated Credit Agreement dated as of September 30, 2005 (as so
amended and restate, the "Credit Agreement"; capitalized terms used herein and
not defined herein have the meanings ascribed to such terms in the Credit
Agreement).

     Crawford hereby (i) reaffirms its continuing obligations owing to the
Collateral Agent (as defined in the Pledge Agreement) and the Lenders under the
Pledge Agreement and (ii) confirms that the liens and security interests created
by the Pledge Agreement continue to secure the Pledged Obligations (as defined
in the Pledge Agreement).

     Each of the undersigned Loan Parties hereby reaffirms its continuing
obligations owing to the Administrative Agent and the Lenders under each of the
other Loan Document (including, without limitation, the Notes and the Subsidiary
Guaranty Agreement) to which such Person is a party, and each Loan Party and
agrees that the amendments and restatements contained in the First Amendment and
Restatement shall not in any way affect the validity and/or enforceability of
any such other Loan Document, or reduce, impair or discharge the obligations of
such Person thereunder.

     Each of the undersigned Loan Parties hereby represents and warrants to the
Collateral Agent, the Administrative Agent and the Lenders that: (a) the
execution and delivery by the Loan Parties of this Reaffirmation is within the
power (corporate or otherwise) and authority of the Loan Parties, has been duly
authorized and approved by all requisite action on the part of the Loan Parties,
and does not and will not contravene, breach or conflict with any provision of
applicable law or any of the charter or other organic documents of the Loan
Parties, or any indenture, agreement, instrument or undertaking binding on the
Loan Parties; (b) this Reaffirmation has been duly executed by the Loan Parties;
and (c) the Loan Documents remain in full force and effect and constitute the
legal, valid and binding obligations of the Loan Parties, enforceable in
accordance with their terms, except as limited by bankruptcy, insolvency,
reorganization, moratorium or similar laws relating to or affecting generally
the enforcement of creditor's rights; and (d) all of the Obligations are
absolute and unconditional, and such Obligations are not subject to any claim,
defense, deduction, right of offset or otherwise.

     This Reaffirmation shall be construed in accordance with and be governed by
the law (without giving effect to the conflict of law principles thereof) of the
State of New York.

<PAGE>

     IN WITNESS WHEREOF, each of the undersigned has duly executed and delivered
this Reaffirmation of Obligations under Loan Documents as of September 30, 2005.

                                        CRAWFORD & COMPANY

                                        By: /s/ John F. Giblin
                                            ------------------------------------
                                        Name: John F. Giblin
                                        Title: Executive Vice President-Finance

                                        CRAWFORD & COMPANY
                                        INTERNATIONAL, INC.

                                        By: /s/ John F. Giblin
                                            ------------------------------------
                                        Name: John F. Giblin
                                        Title: Executive Vice President-Finance

                                        CRAWFORD LEASING SERVICES, INC.
                                        THE PRISM NETWORK, INC.
                                        CALESCO, INC.
                                        CRAWFORD & COMPANY OF NEW
                                           YORK, INC.
                                        CRAWFORD & COMPANY HEALTHCARE
                                           MANAGEMENT, INC.
                                        RISK SCIENCES GROUP, INC.
                                        QIRRA CUSTOM SOFTWARE, INC.
                                        BROCKLEHURST MILLER, INC.
                                        BROCKLEHURSE, INC.

                                        By: /S/ John F. Giblin
                                            ------------------------------------
                                        Name: John F.Giblin
                                        Title: Executive Vice President-Finance

                                       -2-

<PAGE>

           [SIGNATURE PAGE TO CRAWFORD / REAFFIRMATION OF OBLIGATIONS
                 UNDER LOAN DOCUMENTS DATED SEPTEMBER 30, 2005]

                                        CRAWFORD INVESTIGATION SERVICES, INC.

                                        By: /s/ Benjamin L. Wilkerson
                                            ------------------------------------
                                        Name: Benjamin L. Wilkerson
                                        Title: President

                                        CRAWFORD & COMPANY, L.P.

                                        By: CRAWFORD & COMPANY
                                            as General Partner

                                        By: /s/ John F. Giblin
                                            ------------------------------------
                                        Name: John F. Giblin
                                        Title: Executive Vice President-Finance

                                        THE GARDEN CITY GROUP, INC.

                                        By: /s/ John F. Giblin
                                            ------------------------------------
                                        Name: John F. Giblin
                                        Title: Vice President, Finance

                                        CRAWFORD HEALTHCARE
                                        MANAGEMENT OF NORFOLK AND
                                        BALTIMORE, INC.

                                        By: /s/ William L. Beach
                                            ------------------------------------
                                        Name: William L. Beach
                                        Title: Vice President & Secretary

                                       -3-

<PAGE>

           [SIGNATURE PAGE TO CRAWFORD / REAFFIRMATION OF OBLIGATIONS
                 UNDER LOAN DOCUMENTS DATED SEPTEMBER 30, 2005]

                                        CRAWFORD & COMPANY OF CALIFORNIA

                                        By: /s/ Peggy Gillick Branstetter
                                            ------------------------------------
                                        Name: Peggy Gillick Branstetter
                                        Title: Secretary

                                        CRAWFORD & COMPANY OF ILLINOIS

                                        By: /s/ Joseph P. Rainey
                                            ------------------------------------
                                        Name: Joseph P. Rainer
                                        Title: President

                                        CRAWFORD & COMPANY OF FLORIDA

                                        By: /s/ Henry Taylor
                                            ------------------------------------
                                        Name: Henry Taylor
                                        Title: President

                                        CRAWFORD & COMPANY
                                           EMPLOYMENT SERVICES, INC.

                                        By: /s/ Matt C. Wilkinson
                                            ------------------------------------
                                        Name: Matt C. Wilkinson
                                        Title: President

                               [END OF SIGNATURES]

                                       -4-

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