Document:

<Page>
                                                                  Exhibit 4(x)

                                                                  CONFORMED COPY

                    AMENDMENT No. 10 AND AGREEMENT entered into as of December
               26, 2001 (this "AMENDMENT"), with respect to the Credit Agreement
               dated as of February 12, 1998 (as amended, supplemented or
               otherwise modified from time to time, the "CREDIT AGREEMENT"),
               among Magellan Health Services, Inc., a Delaware corporation (the
               "PARENT BORROWER"); Charter Behavioral Health System of New
               Mexico, Inc., a New Mexico corporation; Merit Behavioral Care
               Corporation, a Delaware corporation; each other wholly owned
               domestic subsidiary of the Parent Borrower that becomes a
               "Subsidiary Borrower" pursuant to Section 2.23 of the Credit
               Agreement (each, a "SUBSIDIARY BORROWER" and, collectively, the
               "SUBSIDIARY BORROWERS" (such term is used herein as modified in
               Article I of the Credit Agreement); the Parent Borrower and the
               Subsidiary Borrowers are collectively referred to herein as the
               "BORROWERS"); the Lenders (as defined in Article I of the Credit
               Agreement); JPMorgan Chase Bank, formerly known as The Chase
               Manhattan Bank, a New York banking corporation, as administrative
               agent (in such capacity, the "ADMINISTRATIVE AGENT") for the
               Lenders, as collateral agent (in such capacity, the "COLLATERAL
               AGENT") for the Lenders and as an issuing bank (in such capacity,
               an "ISSUING BANK"); First Union National Bank, a national banking
               corporation, as syndication agent (in such capacity, the
               "SYNDICATION AGENT") for the Lenders and as an issuing bank (in
               such capacity, an "ISSUING BANK"); and Credit Lyonnais New York
               Branch, a licensed branch of a bank organized and existing under
               the laws of the Republic of France, as documentation agent (in
               such capacity, the "DOCUMENTATION AGENT") for the Lenders and as
               an issuing bank (in such capacity, an "ISSUING BANK" and,
               together with JPMorgan Chase Bank and First Union National Bank,
               each in its capacity as an issuing bank, the "ISSUING BANKS").

     A. The Lenders and the Issuing Banks have extended credit to the Borrowers,
and have agreed to extend credit to the Borrowers, in each case pursuant to the
terms and subject to the conditions set forth in the Credit Agreement.

     B. The Parent Borrower has requested that the Required Lenders amend
certain provisions of the Credit Agreement as set forth herein, and the Required
Lenders are willing so to amend such provisions of the Credit Agreement, on the
terms and subject to the conditions set forth in this Amendment.

     C. Capitalized terms used but not defined herein have the meanings assigned
to them in the Credit Agreement (as amended hereby).

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     Accordingly, in consideration of the mutual agreements herein contained and
other good and valuable consideration, the sufficiency and receipt of which are
hereby acknowledged, the parties hereto agree as follows:

     SECTION 1. AMENDMENTS TO SECTION 1.01. (a) The definition of the term
"Consolidated EBITDA" in Section 1.01 of the Credit Agreement is hereby amended
by (i) deleting the text "and" immediately before clause (b)(vi) in the first
sentence of such definition and (ii) adding the text ", (vii) for the fiscal
quarter ending September 30, 2001, charges resulting from prior period contract
adjustments in an aggregate amount not to exceed $5,000,000 and (viii) for the
fiscal year ending September 30, 2002, severance, termination and restructuring
expenses in an aggregate amount not to exceed $8,000,000" immediately after the
text "the CBHS-Magellan Transactions" in clause (b)(vi) in the first sentence of
such definition.

     (b) The definition of the term "Permitted Non-Guarantor Transactions" in
Section 1.01 of the Credit Agreement is hereby amended by (i) adding the text ",
without duplication," immediately after the text "the sum of" immediately after
clause (d) of such definition and (ii) adding the text "(excluding an amount
equal to the aggregate amount of investments, which amount (including the
aggregate amount of investments made by the Parent Borrower, any Subsidiary
Borrower or any Guarantor in Magellan PA prior to the date on which Magellan PA
becomes a Controlled Non-Guarantor Entity) shall not be in excess of
$65,000,000, by the Parent Borrower, any Subsidiary Borrower or any Guarantor in
Magellan PA at any time outstanding)" immediately after the text "the amount" in
clause (ii) of such definition.

     (c) The definition of the term "Consolidated Interest Expense" in Section
1.01 of the Credit Agreement is hereby amended by inserting the text "; PROVIDED
that any interest expense accrued or paid in any period by the Parent Borrower
and its Subsidiaries pursuant to the Missouri Build Bond Arrangement shall not
be included in Consolidated Interest Expense to the extent that an equal amount
of interest is accrued and payable or paid, respectively, to the Parent Borrower
and its Subsidiaries pursuant to the Missouri Build Bond Arrangement during such
period" at the end of such definition.

     (d) The definition of the term "Total Debt" in Section 1.01 of the Credit
Agreement is hereby amended by inserting the text "; PROVIDED that Total Debt at
any time shall not include any Indebtedness of the Parent Borrower and its
Subsidiaries incurred pursuant to the Missouri Build Bond Arrangement to the
extent that an equal amount of Indebtedness is owed to the Parent Borrower and
its Subsidiaries pursuant to the Missouri Build Bond Arrangement at such time"
at the end of such definition.

     (e) Section 1.01 of the Credit Agreement is hereby amended by adding the
defined terms "Magellan PA" and "Missouri Build Bond Arrangement " in the
appropriate alphabetical order to read in their entirety as follows:

     "MAGELLAN PA" shall mean Magellan Behavioral Health of Pennsylvania, Inc.,
a Pennsylvania corporation.

                                       2
<Page>

     "MISSOURI BUILD BOND ARRANGEMENT" shall mean (a) one or more transactions
among the Parent Borrower and/or one or more Subsidiaries and the State of
Missouri or an agency, finance board or authority of the State of Missouri or a
political subdivision thereof (the "MISSOURI GOVERNMENTAL AUTHORITY"), the
effect of which is to reduce state, county or local taxes payable by the Parent
Borrower or any Subsidiary in Missouri, and pursuant to which (i) the Parent
Borrower and/or one or more Subsidiaries purchases bonds issued and sold by the
Missouri Governmental Authority in an aggregate principal amount not in excess
of $6,300,000 and for a purchase price substantially equivalent to the principal
amount of such bonds, (ii) the Missouri Governmental Authority enters into a
loan agreement with the Parent Borrower and/or one or more Subsidiaries pursuant
to which the Missouri Governmental Authority lends all or substantially all the
proceeds resulting from such bond sale to the Parent Borrower and/or one or more
Subsidiaries and (iii) the Parent Borrower and/or the applicable Subsidiary or
Subsidiaries only makes principal and interest payments to the Missouri
Governmental Authority in respect of the loaned proceeds at the same times and
in substantially the same aggregate amounts as the respective aggregate
principal and interest payments made by the Missouri Governmental Authority to
the Parent Borrower and/or the applicable Subsidiary or Subsidiaries in respect
of such bonds or (b) one or more transactions entered into among the Parent
Borrower and/or one or more Subsidiaries and the Missouri Governmental Authority
that are substantially equivalent to the foregoing, PROVIDED that the aggregate
principal amount of bonds purchased by the Parent Borrower and/or the
Subsidiaries combined pursuant to all Missouri Build Bond Arrangements shall not
exceed $6,300,000.

     SECTION 2. AMENDMENT TO SECTION 2.22(a). Section 2.22(a) of the Credit
Agreement is hereby amended by inserting the text "or the account of a
Subsidiary" immediately after the text "for such Borrower's own account" in the
first sentence of such Section.

     SECTION 3. AMENDMENTS TO SECTION 6.01. Section 6.01 of the Credit Agreement
is hereby amended by (a) deleting the text "and" at the end of paragraph (o) of
such Section, (b) deleting the period at the end of paragraph (p) of such
Section and replacing it with the text "; and" and (c) inserting the following
new paragraph (q) immediately after paragraph (p) of such Section:

     (q) Indebtedness incurred pursuant to the Missouri Build Bond Arrangement.

     SECTION 4. AMENDMENTS TO SECTION 6.04. Section 6.04 of the Credit Agreement
is hereby amended by (a) deleting the text "and" at the end of paragraph (q) of
such Section, (b) deleting the period at the end of paragraph (r) of such
Section and replacing it with the text "; and" and (c) inserting the following
new paragraph (s) immediately after paragraph (r) of such Section:

     (s) investments made pursuant to the Missouri Build Bond Arrangement.

                                       3
<Page>

     SECTION 5. AMENDMENTS TO SECTION 6.11. Section 6.11 of the Credit Agreement
is hereby amended by (a) deleting the text "March 31, 2002" in the second line
of the table at the end of such Section and replacing it with the text "June 30,
2002" and (b) deleting the text "April 1, 2002" in the third line of the table
at the end of such Section and replacing it with the text "July 1, 2002".

     SECTION 6. DESIGNATION. Subject only to satisfaction of the conditions set
forth in Section 9(b) of this Amendment and receipt by the Administrative Agent
of a certificate of an officer of the Parent Borrower in respect of Magellan PA
as required by clause (i) of the provision to the definition of "Permitted
Non-Guarantor Transactions", the Parent Borrower hereby designates Magellan PA
as a Controlled Non-Guarantor Entity for all purposes under the Credit Agreement
and the other Loan Documents.

     SECTION 7. REPRESENTATIONS AND WARRANTIES. Each Borrower represents and
warrants to the Administrative Agent and to each of the Lenders that:

     (a) This Amendment has been duly authorized, executed and delivered by it
and constitutes a legal, valid and binding obligation of each Loan Party party
hereto, enforceable against such Loan Party in accordance with its terms.

     (b) Before and after giving effect to this Amendment, the representations
and warranties set forth in Article III of the Credit Agreement are true and
correct in all material respects on and as of the date hereof with the same
effect as if made on and as of the date hereof, except to the extent such
representations and warranties expressly relate to an earlier date.

     (c) Before and after giving effect to this Amendment, no Event of Default
or Default has occurred and is continuing.

     SECTION 8. AMENDMENT FEE. In consideration of the agreements of the
Required Lenders contained in this Amendment, the Parent Borrower agrees to pay
to the Administrative Agent, for the account of each Lender that delivers an
executed counterpart of this Amendment prior to 5:00 p.m., New York City time,
on December 26, 2001, an amendment fee (the "AMENDMENT FEE") in an amount equal
to 0.50% of the sum of such Lender's outstanding Term Loans and Revolving Credit
Commitments as of such date.

     SECTION 9. CONDITIONS TO EFFECTIVENESS. (a) This Amendment (other than
Section 1(b)) shall become effective when (i) the Administrative Agent shall
have received (x) counterparts of this Amendment that, when taken together, bear
the signatures of the Borrowers and the Required Lenders and (y) the Amendment
Fee and (ii) a certificate of an officer of the Parent Borrower shall have been
delivered to the Administrative Agent to the effect that the representations and
warranties set forth in Section 7 hereof are true and correct.

     (b) Section 1(b) of this Amendment shall become effective when (i) the
conditions set forth in paragraph (a) above shall have been satisfied and (ii) a
certificate of an officer of the Parent Borrower shall have been delivered to
the Administrative Agent to the effect that the renewal or replacement of the
contract dated as of January 28, 1997 (the "DELAWARE

                                       4
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COUNTY CONTRACT"), between Magellan PA and Delaware County, Pennsylvania (or any
other contract between Magellan PA and any Governmental Authority having
substantially identical restrictions as the Delaware County Contract) will
result in the automatic release of Magellan PA from its obligations under each
of the Guarantee Agreement, the Pledge Agreement and the Security Agreement.

     SECTION 10. CREDIT AGREEMENT. Except as specifically amended hereby, the
Credit Agreement shall continue in full force and effect in accordance with the
provisions thereof as in existence on the date hereof. After the date hereof,
any reference to the Credit Agreement shall mean the Credit Agreement as amended
hereby. This Amendment shall be a Loan Document for all purposes.

     SECTION 11. APPLICABLE LAW. THIS AMENDMENT SHALL BE GOVERNED BY, AND
CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.

     SECTION 12. COUNTERPARTS. This Amendment may be executed in two or more
counterparts, each of which shall constitute an original but all of which when
taken together shall constitute but one agreement. Delivery of an executed
signature page to this Amendment by facsimile transmission shall be effective as
delivery of a manually signed counterpart of this Amendment.

                                       5
<Page>

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

                              MAGELLAN HEALTH SERVICES, INC.,

                               by
                                 /s/  CHARLOTTE A. SANFORD
                                 -----------------------------------------------
                                 Name: Charlotte A. Sanford
                                 Title:   Vice President
                                          and Assistant Treasurer

                              CHARTER BEHAVIORAL HEALTH
                              SYSTEM OF NEW MEXICO, INC.,

                              by
                                /s/  CHARLOTTE A. SANFORD
                                ------------------------------------------------
                                Name: Charlotte A. Sanford
                                Title:    Treasurer

                              MERIT BEHAVIORAL CARE CORPORATION,

                              by
                                /s/  CHARLOTTE A. SANFORD
                                ------------------------------------------------
                              Name: Charlotte A. Sanford
                              Title:   Vice President and Treasurer

                              JPMORGAN CHASE BANK, individually and as
                              Administrative Agent, Collateral Agent,
                              Swingline Lender and an Issuing Bank,

                               by
                                /s/ DAWN LEE LUM
                                ------------------------------------------------
                                Name: Dawn Lee Lum
                                Title:Vice President

                                       6
<Page>

                                      FIRST UNION NATIONAL BANK, individually
                                      and as Syndication Agent and an Issuing
                                      Bank,

                                               by
                                                 -------------------------------
                                                 Name:
                                                 Title:

                                       7
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                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      AMSOUTH BANK

                          by
                            /s/ WILLIAM H. BARRELL
                            ----------------------------------------------------
                            Name:  William H. Barrell
                            Title: Vice President

                                       8
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      ARES LEVERAGED INVESTMENT FUND II, L.P.

                          by
                            /s/ JEFF MOORE
                            ----------------------------------------------------
                            Name:  Jeff Moore
                            Title: Vice President

                                       9
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      ARES IV CLO LTD.

                          by
                            /s/ JEFF MOORE
                            ----------------------------------------------------
                            Name:  Jeff Moore
                            Title: Vice President

                                       10
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      THE BANK OF NOVA SCOTIA

                          by
                            /s/ WILLIAM E. ZARRETT
                            ----------------------------------------------------
                            Name:  William E. Zarrett
                            Title: Managing Director

                                       11
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                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      BANK OF TOKYO-MITSUBISHI TRUST COMPANY

                          by
                            /s/ HIDEKAZU KOJIMA
                            ----------------------------------------------------
                            Name:  Hidekazu Kojima
                            Title: Vice President

                                       12
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      BANK POLSKA KASA OPIEKI SA

                          by
                            /s/ BARRY W. HENRY
                            ----------------------------------------------------
                            Name:  Barry W. Henry
                            Title: Vice President and Senior Lending Officer

                                       13
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                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      BATTERSON PARK CBO I

                          by
                            /s/ SUSAN BOSWORTH
                            ----------------------------------------------------
                            Name:  Susan Bosworth
                            Title: Vice President

                                       14
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      BLACK DIAMOND CLO 1998-1 LTD

                          by
                            /s/ ALAN CORKISH
                            ----------------------------------------------------
                            Name:  Alan Corkish
                            Title: Director

                                       15
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      BLACK DIAMOND CLO 2000-1 LTD.

                          by
                            /s/ ALAN CORKISH
                            ----------------------------------------------------
                            Name:  Alan Corkish
                            Title: Director

                                       16
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      BLACK DIAMOND INTERNATIONAL FUNDING, LTD.

                          by
                            /s/ ALAN CORKISH
                            ----------------------------------------------------
                            Name: Alan Corkish
                            Title: Director

                                       17
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      CREDIT LYONNAIS NEW YORK BRANCH

                          by
                            /s/ CHARLES HEIDSIECK
                            ----------------------------------------------------
                            Name:  Charles Heidsieck
                            Title: Senior Vice President

                                       18
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      EATON VANCE INSTITUTIONAL SENIOR LOAN FUND

                          by
                            /s/ PAYSON F. SWAFFIELD
                            ----------------------------------------------------
                            Name:  Payson F. Swaffield
                            Title: Vice President

                                       19
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      EATON VANCE SENIOR INCOME TRUST

                          by
                            /s/ PAYSON F. SWAFFIELD
                            ----------------------------------------------------
                            Name:  Payson F. Swaffield
                            Title: Vice President

                                       20
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      ELC (CAYMAN) LTD.

                          by
                            /s/ E. A. KRATZMAN
                            ----------------------------------------------------
                            Name:  E. A. Kratzman
                            Title: Managing Director

                                       21
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      ELC (CAYMAN) LTD. CDO SERIES 1999-I

                          by
                            /s/ E. A. KRATZMAN
                            ----------------------------------------------------
                            Name:  E. A. Kratzman
                            Title: Managing Director

                                       22
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      FIRST DOMINION FUNDING I

                          by
                            /s/ ANDREW H. MARSHAK
                            ----------------------------------------------------
                            Name:  Andrew H. Marshak
                            Title: Authorized Signatory

                                       23
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      FLEET BANK N.A.

                          by
                            /s/ CHRISTOPHER KRESCO
                            ----------------------------------------------------
                            Name:  Christopher Kresco
                            Title: Associate

                                       24
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      GENERAL ELECTRIC CAPITAL CORPORATION

                          by
                            /s/ KARL KIEFFER
                            ----------------------------------------------------
                            Name:  Karl Kieffer
                            Title: Duly Authorized Signatory

                                       25
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      GRAYSON & CO

                          by
                            /s/ PAYSON F. SWAFFIELD
                            ----------------------------------------------------
                            Name:  Payson F. Swaffield
                            Title: Vice President

                                       26
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      INDOSUEZ CAPITAL FUNDING IIA, LIMITED

                          by
                            /s/ CHARLES KOBAYASHI
                            ----------------------------------------------------
                            Name:  Charles Kobayashi
                            Title: Principal and Portfolio Manager

                                       27
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      INDOSUEZ CAPITAL FUNDING VI, LIMITED

                          by
                            /s/ CHARLES KOBAYASHI
                            ----------------------------------------------------
                            Name:  Charles Kobayashi
                            Title: Principal and Portfolio Manager

                                       28
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      INDOSUEZ CAPITAL FUNDING IV, L.P.

                          by
                            /s/ LEE SHAIMAN
                            ----------------------------------------------------
                            Name:  Lee Shaiman
                            Title: Managing Director

                                       29
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      KZH HIGHLAND-2 LLC

                          by
                            /s/ SUSAN LEE
                            ----------------------------------------------------
                            Name:  Susan Lee
                            Title: Authorized Agent

                                       30
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      KZH PAMCO LLC

                          by
                            /s/ SUSAN LEE
                            ----------------------------------------------------
                            Name:  Susan Lee
                            Title: Authorized Agent

                                       31
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      KZH POUNDVIEW LLC

                          by
                            /s/ SUSAN LEE
                            ----------------------------------------------------
                            Name:  Susan Lee
                            Title: Authorized Agent

                                       32
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      KZH SHOSHONE LLC

                          by
                            /s/ SUSAN LEE
                            ----------------------------------------------------
                            Name:  Susan Lee
                            Title: Authorized Agent

                                       33
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      KZH SOLEIL LLC

                          by
                            /s/ SUSAN LEE
                            ----------------------------------------------------
                            Name:  Susan Lee
                            Title: Authorized Agent

                                       34
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      LONG LANE MASTER TRUST IV

                          by
                            /s/ KEVIN KEARNS
                            ----------------------------------------------------
                            Name:  Kevin Kearns
                            Title: Managing Director

                                       35
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY

                          by
                            /s/ STEVEN J. KATZ
                            ----------------------------------------------------
                            Name:  Steven J. Katz
                            Title: Second Vice President and Associate
                                   General Counsel

                                       36
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      MASSMUTUAL CORPORATE VALUE PARTNERS LIMITED

                          by
                            /s/ STEVEN J. KATZ
                            ----------------------------------------------------
                            Name:  Steven J. Katz
                            Title: Second Vice President and Associate
                                   General Counsel

                                       37
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      MASSMUTUAL/DARBY CBO LLC

                          by
                            /s/ CHARLES MCCOBB
                            ----------------------------------------------------
                            Name:  Charles McCobb
                            Title: Vice President

                                       38
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      MASSMUTUAL HIGH YIELD PARTNERS II, LLC

                          by
                            /s/ CHARLES MCCOBB
                            ----------------------------------------------------
                            Name:  Charles McCobb
                            Title: Vice President

                                       39
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      OPPENHEIMER SENIOR FLOATING RATE FUND

                          by
                            /s/ DAVID FOXHOVEN
                            ----------------------------------------------------
                            Name:  David Foxhoven
                            Title: Assistant Vice President

                                       40
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      OXFORD STRATEGIC INCOME FUND

                          by
                            /s/ PAYSON F. SWAFFIELD
                            ----------------------------------------------------
                            Name: Payson F. Swaffield
                            Title: Vice President

                                       41
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      PAM CAPITAL L.P.

                          by
                            /s/ TODD TRAVERS
                            ----------------------------------------------------
                            Name:  Todd Travers
                            Title: Senior Portfolio Manager

                                       42
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      PAMCO CAYMAN LTD.

                          by
                            /s/ TODD TRAVERS
                            ----------------------------------------------------
                            Name:  Todd Travers
                            Title: Senior Portfolio Manager

                                       43
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      HIGHLAND LEGACY LIMITED

                          by
                            /s/ TODD TRAVERS
                            ----------------------------------------------------
                            Name:  Todd Travers
                            Title: Senior Portfolio Manager

                                       44
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      ML CBO IV LTD

                          by
                            /s/ TODD TRAVERS
                            ----------------------------------------------------
                            Name:  Todd Travers
                            Title: Senior Portfolio Manager

                                       45
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      HIGHLAND LOAN FUNDING V LTD.

                          by
                            /s/ TODD TRAVERS
                            ----------------------------------------------------
                            Name:  Todd Travers
                            Title: Senior Portfolio Manager

                                       46
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      PILGRIM CLO 1999-1 LTD.

                          by
                            /s/ MICHEL PRINCE, CFA
                            ----------------------------------------------------
                            Name:  Michel Prince, CFA
                            Title: Vice President

                                       47
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      ML CLO XV PILGRIM AMERICA (CAYMAN) LTD.

                          by
                            /s/ MICHEL PRINCE, CFA
                            ----------------------------------------------------
                            Name:  Michel Prince, CFA
                            Title: Vice President

                                       48
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      PILGRIM PRIME RATE TRUST

                          by
                            /s/ MICHEL PRINCE, CFA
                            ----------------------------------------------------
                            Name:  Michel Prince, CFA
                            Title: Vice President

                                       49
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      PILGRIM SENIOR INCOME FUND

                          by
                            /s/ MICHEL PRINCE, CFA
                            ----------------------------------------------------
                            Name:  Michel Prince, CFA
                            Title: Vice President

                                       50
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      PUTNAM DIVERSIFIED INCOME TRUST

                          by
                            /s/ JOHN R. VERANI
                            ----------------------------------------------------
                            Name:  John R. Verani
                            Title: Vice President

                                       51
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      PUTNAM MASTER INCOME TRUST

                          by
                            /s/ JOHN R. VERANI
                            ----------------------------------------------------
                            Name:  John R. Verani
                            Title: Vice President

                                       52
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      RIVIERA FUNDING LLC

                          by
                            /s/ ANN E. MORRIS
                            ----------------------------------------------------
                            Name:  Ann E. Morris
                            Title: Assistant Vice President

                                       53
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      SENIOR DEBT PORTFOLIO

                          by
                            /s/ PAYSON F. SWAFFIELD
                            ----------------------------------------------------
                            Name:  Payson F. Swaffield
                            Title: Vice President

                                       54
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      SRV-HIGHLAND, INC.

                          by
                            /s/ ANN E. MORRIS
                            ----------------------------------------------------
                            Name:  Ann E. Morris
                            Title: Assistant Vice President

                                       55
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      TRYON CLO LTD. 2000-1

                          by
                            /s/ E. A. KRATZMAN
                            ----------------------------------------------------
                            Name:  E. A. Kratzman
                            Title: Managing Director

                                       56
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      VAN KAMPEN SENIOR INCOME TRUST

                          by
                            /s/ HOWARD TIFFAN
                            ----------------------------------------------------
                            Name:  Howard Tiffan
                            Title: Managing Director

                                       57
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      VAN KAMPEN PRIME RATE INCOME TRUST

                          by
                            /s/ HOWARD TIFFAN
                            ----------------------------------------------------
                            Name:  Howard Tiffan
                            Title: Managing Director

                                       58
<Page>

                    SIGNATURE PAGE TO AMENDMENT NO. 10 AND AGREEMENT DATED AS OF
                    DECEMBER 26, 2001, WITH RESPECT TO THE CREDIT AGREEMENT
                    DATED AS OF FEBRUARY 12, 1998 (AS PREVIOUSLY AMENDED,
                    SUPPLEMENTED OR OTHERWISE MODIFIED FROM TIME TO TIME), AMONG
                    MAGELLAN HEALTH SERVICES, INC., CHARTER BEHAVIORAL HEALTH
                    SYSTEM OF NEW MEXICO, INC., MERIT BEHAVIORAL CARE
                    CORPORATION, THE SUBSIDIARY BORROWERS, THE LENDERS, JPMORGAN
                    CHASE BANK, AS ADMINISTRATIVE AGENT, AS COLLATERAL AGENT,
                    SWINGLINE LENDER AND AS AN ISSUING BANK, FIRST UNION
                    NATIONAL BANK, AS SYNDICATION AGENT AND AS AN ISSUING BANK,
                    AND CREDIT LYONNAIS NEW YORK BRANCH, AS DOCUMENTATION AGENT.

NAME OF INSTITUTION:      UBS AG, STAMFORD BRANCH

                          by
                            /s/ ANTHONY N. JOSEPH
                            ----------------------------------------------------
                            Name:  Anthony N. Joseph
                            Title: Associate Director

                          by
                            /s/ SUSAN BRUNNER
                            ----------------------------------------------------
                            Name:  Susan Brunner
                            Title: Associate Director

                                       59Prepared by MERRILL CORPORATION

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Exhibit 10.20  

 
 

EXECUTIVE EMPLOYMENT AGREEMENT    
  

    This EMPLOYMENT AGREEMENT ("Agreement") is executed as of the 1st day of July 2001, by and between MICHAEL SHABAZIAN, an individual ("Employee"), EN
POINTE TECHNOLOGIES, INC., a Delaware corporation ("Parent") and EN POINTE TECHNOLOGIES SALES, INC. (the "Subsidiary" and together with Parent, the "Company"), with reference to the
following facts: 

    A.
Employee is an individual possessing unique management and executive talents of value to the Company. 

    B.
The Company desires to continue the employment of Employee as the President and COO of the Parent and the President and CEO of the Subsidiary, and Employee desires to accept such
employment, all on the terms and conditions set forth in this Agreement. 

AGREEMENT  

    In consideration of the foregoing recitals and of the covenants and agreements herein, the parties agree as follows: 

    1.  Term.  The Company hereby engages Employee to perform the duties and render the services set forth in
Section 2 for a period commencing on July 1, 2001 (the "Effective Date") and ending on the first anniversary of such date, (the "Employment Period"), unless terminated earlier in
accordance with Section 4 hereof, and Employee hereby accepts said employment and agrees to perform such services during the Employment Period. 

    2.  Duties.  Performing executive work of major importance to the Company, with the primary focus being
the profitable management and profitable growth of the Company. During the Employment Period, Employee shall devote his business time and attention to performing his duties as an executive officer of
the Company. His duties shall include, but are not limited to: managing the overall direction, coordination and evaluation of all functions at the corporate level; formulating and administering
policies for the Company; developing long range goals and objectives for the Company; negotiation with established, third party and/or new vendors to achieve cost containment/reduction; and,
establishing or modifying operational systems to improve management and profitability. Additionally, he shall perform such duties as may reasonably be assigned to him by the Board of Directors of the
Company. Employee's primary office shall be at the Parent's headquarters location. 

    Parent
agrees to nominate Employee for election to the Parent's Board of Directors, as a member of the management slate at each annual meeting of stockholders held during the
Employment Period. Employee recognizes that the Parent's Board of Directors may be required under its fiduciary duty to Parent and to its stockholders to eliminate the position of President and COO of
Parent or to appoint a different person as such officer of Parent. The parties agree however, that any such elimination or replacement of Employee by Parent, other than pursuant to Section 6.1
or 6.2(a) or 6.3(b) hereof, shall constitute a termination of Employee's employment hereunder by the Company without cause. 

    3.  Change of Control.  Notwithstanding the terms of Section 2 above, if the Company or a
significant portion thereof is sold or merged or undergoes a change of control transaction (as defined in the form of Parent's Stock Option Agreement, a copy of which is attached hereto as  Exhibit A), Employee shall serve as an officer of the entity which succeeds to the business or a substantial portion of the business of the
Company, and in such case shall bear a suitable title and perform the duties and functions of such office of such publicly traded or privately held successor, consistent with those customarily
performed by an officer of such a unit, division or entity comparable to the then business 

PAGE 1

 

of the Company, unit, division or entity. Employee may be required to accept greater or lesser responsibility by any successor, and agrees to fully cooperate and assist in any resulting transition for
up to the remainder of the Employment Period; and any adjustments required of Employee to complete the transition to any successor, unit, division or entity, shall not violate this Agreement so long
as "good reason" does not arise under Sections 6.6(b)(ii) or (iii). This Agreement shall apply to the automatic modification in duties resulting from such transaction as set forth above,
however, notwithstanding the foregoing, Employee may exercise any "good reason" rights he may have under Section 6.6(b)(iv). 

    4.  Conflict of Interest.  Employee agrees that during the term of employment and for a period of
eighteen (18) months thereafter, employee will not, directly or indirectly, compete with the Company in any way, or usurp any Company opportunity in any way, nor will Employee act as an
officer, director, employee, consultant, stockholder, lender or agent of any entity which is engaged in any business in which the Company is now engaged or in which the Company becomes engaged during
the term of employment. The Company is now engaged in the business of reselling computer hardware, software and peripherals,
primarily to corporate and governmental accounts, and in the business of selling computer systems consulting, help and maintenance services, also primarily to corporate and governmental accounts. 

    5.  Compensation.  As compensation for his services to be performed hereunder, the Company shall provide
Employee with the following compensation and benefits: 

    5.1  Base Salary.  Employee's base salary shall be $450,000.00 per year, subject to an annual increase
(if any) in the sole discretion of the Board of Directors, payable in accordance with the Company's payroll practices as in effect from time to time, and subject to such withholding as is required by
law. 

    5.2  Quarterly Bonus.  Employee shall be entitled to the following quarterly bonus based on Company's
attainment of pre-tax net income during the following fiscal quarters: 

	Fiscal Quarter
	 	Pre-Tax Net Income Must Exceed
	 	Bonus

	4th Quarter of Fiscal Year 2001	 	$	500,000.00	 	$	50,000.00
	1st Quarter of Fiscal Year 2002	 	$	750,000.00	 	$	50,000.00
	2nd Quarter of Fiscal Year 2002	 	$	750,000.00	 	$	50,000.00
	3rd Quarter of Fiscal Year 2002	 	$	1,000,000.00	 	$	50,000.00
	 	Totals	 	$	3,000,000.00	 	$	200,000.00

If
cumulative pre-tax net income, inclusive of any bonus payments to anyone in the Company including the Employee, is $3,000,000 through the one-year period of the bonus
calculation, Employee receives the aggregate $200,000 bonus less any bonus previously received. Bonus is not prorated for less than 85 percent of any fiscal quarter of employment or
achievement, nor is it guaranteed but, if earned, shall be payable 60 days after the end of each such quarter, except for any bonus payable for the fourth quarter of fiscal 2001, which shall be
payable 90 days after the end of such quarter. Bonus applicable to subsequent quarters, if any, shall be in the sole discretion of the Board of Directors. If any bonus is declared or paid, it
shall be subject to such withholding as is required by law. "Pre-tax net income" as the term is used in this Section 5.2, shall mean pre-tax income from the core
business of the Company
including En Pointe Technologies Ventures, Inc.) and including any bonus payable under this Section 5.2 or to other Company executives, but excluding financial results from consolidation
with, or any revenue from, or investments in, firstsource corp., SupplyAccess, Inc., enRamp Inc., and other outside investments, and also excluding any "recaptures" resulting from any
settlements of litigation matters regarding which charges have been previously recorded, or any "recaptures" resulting from re-categorization of the Ontario facility, regarding which
charges have been previously recorded, all calculated in accordance with generally accepted accounting principals. 

PAGE 2

 

    5.3  Discretionary Bonus.  Subject to the sole discretion of the Board of Directors, the Employee may be
entitled to additional bonuses for accomplishment of selective business tasks (such as acquisitions). 

    5.4  Benefits.  

    (a)  Vacation.  Employee shall be entitled to four (4) weeks of paid vacation during each year of
the Employment Period consistent with the Company's then policy for senior executive employees. In the event Employee does not use such vacation, he shall receive, upon termination of the Employment
Period, vacation pay for all unused vacation calculated at the base salary rate set forth in Section 5.1 hereof. However, Employee shall endeavor to take vacation time in the year in which it
is allocated to him. 

    (b)  Business Expenses.  The Company shall reimburse Employee for all reasonable business expenses
incurred by Employee in the course of performing services for the Company and in compliance with procedures established from time to time by the Company 

    (c)  Monthly Living Expense.  Employee shall be reimbursed for normal reasonable monthly living expense,
inclusive of travel costs, not to exceed $50,000 annually. 

    (d)  Other Benefits.  Company shall provide Employee with such employment benefits as 401(k)
participation, automobile allowance, medical insurance and disability insurance, on the terms and to the extent generally provided by the Company to its senior executive employees. 401(k)
participation, medical insurance and disability insurance shall commence 90 days after the Effective Date. 

    (e)  Other Persons.  The parties understand that other officers and employees may be afforded payments
and benefits and employment agreements which differ from those of Employee in this Agreement; but Employee's compensation and benefits shall be governed solely by the terms of this Agreement, which
shall supersede all prior understandings or agreements between the parties concerning terms and benefits of employment of Employee with the Company. Other officers or employees shall not become
entitled to any benefits under this Agreement. 

    6.  Termination.  

    6.1  Termination by Reason of Death or Disability.  The Employment Period shall terminate upon the death
or permanent disability (as defined below) of Employee. 

    6.2  Termination by Company.  

    (a)
The Company may terminate the Employment Period for "cause" by written notice to Employee. 

    (b)
The Company may terminate the Employment Period for any other reason, with or without cause, by written notice to Employee. 

    6.3  Termination by Employee.  

    (a)
Employee may terminate the Employment Period for "good reason" at any time by written notice to the Company. 

    (b)
Employee may terminate the Employment Period for any other reason by written notice to the Company. 

    6.4  Severance Pay  . 

    (a)
In the event the Employment Period is terminated by the Company for any reason other than pursuant to Section 6.2(a) or by Employee for any reason other than pursuant to 

PAGE 3

 

Section 6.3(b) hereof or if the Employment Period is terminated because of the death or disability of Employee pursuant to Section 6.1, upon the effectiveness of any such termination,
the Company shall be obligated to pay to Employee (or his executors, administrators or assigns, as the case may be) all unpaid salary, benefits and bonuses (if any, with bonus being applicable only to
full quarters of employment as outlined in Section 5.2) accrued through the date of effectiveness of such termination and, in addition, a cash severance payment equal to six months' total base
salary, at the rates set forth herein, and such other benefits as may be required by law. 

    (b)
In the event the Employment Period is terminated by the Company pursuant to Section 6.2(a) hereof, the Employment Period is terminated by Employee pursuant to
Section 6.3(b) hereof, the Company shall have no obligation to pay any severance pay to Employee. The Company shall, however, be obligated to pay to Employee (or his executors, administrators
or assigns, as the case may be) all unpaid salary, benefits and bonuses (if any) accrued through the date of termination and shall provide such other benefits as may be required by law. 

    6.5  Termination Benefits.  In the event of termination of the Employment Period pursuant to
Section 6.2 or 6.3(a), the Company shall provide Employee such normal medical insurance as is equal to the level of coverage elected by the employee and in effect at time of termination of
Employment Period, and on the terms and to the extent generally provided by the Company to its executive employees of the level comparable to Employee, for a period of six (6) full calendar
months from the date of the termination of the Employment Period. 

    6.6  Certain Definitions.  For purposes of this Agreement: 

    (a)
The term "cause" shall mean those acts identified in Section 2924 of the California Labor Code, as that section exists on the date of this Agreement, to wit, any willful
breach of duty by the Employee in the course of his employment, or in case of his habitual neglect of his duty or continued incapacity to perform it. Notwithstanding the generality of the foregoing,
this definition shall not cause any derogation of any rights relating to "permanent disability" as defined in 6.6(c) below. 

    (b)
The term "good reason" shall mean the occurrence of one or more of the following events: (i) removal of Employee from the position and responsibilities as set forth under
Section 2 above; (ii) a material reduction by the Company in the kind or level of employee benefits to which Employee is entitled immediately prior to such reduction with the result that
Employee's overall benefit package is significantly reduced; (iii) the relocation of Employee to a facility or a location outside of California. 

    (c)
The term "permanent disability" shall mean Employee's incapacity due to physical or mental illness, which results in Employee being absent from the performance of his duties with
the Company on a full-time basis for a period of six (6) consecutive months. The existence or cessation of a physical or mental illness which renders Employee absent from the
performance of his duties on a full-time basis shall, if disputed by the Company or Employee, be conclusively determined by written opinions rendered by two qualified physicians, one
selected by Employee and one selected by the Company.
During the period of absence, but not beyond the expiration of the Employment Period, Employee shall be deemed to be on disability leave of absence, with his compensation paid in full. During the
period of such disability leave of absence, the Board of Directors may designate an interim officer with the same title and responsibilities of Employee on such terms as it deems proper. 

    7.  Employee Benefit Plans.  Any employee benefit plans in which Employee may participate pursuant to the
terms of this Agreement shall be governed solely by the terms of the underlying plan 

PAGE 4

 

documents and by applicable law, and nothing in this Agreement shall impair the Company's right to amend, modify, replace, and terminate any and all such plans in its sole discretion as provided by
law. This Agreement is for the sole benefit of Employee and the Company, and is not intended to create an employee benefit plan or to modify the terms of any of the Company's existing plans. 

    8.  Miscellaneous.  

    8.1  Arbitration/Governing Law.  To the fullest extent permitted by law, any dispute, claim or
controversy of any kind (including but not limited to tort, contract and statute) arising under, in connection with, or relating to this Agreement or Employee's employment, shall be resolved
exclusively by binding arbitration in Los Angeles County, California in accordance with the commercial rules of the American Arbitration Association then in effect. The Company and Employee agree to
waive any objection to personal jurisdiction or venue in any forum located in Los Angeles County, California. No claim, lawsuit or action of any kind may be filed by either party to this Agreement
except to compel arbitration or to enforce an arbitration award; arbitration is the exclusive dispute resolution mechanism between the parties hereto. Judgment may be entered on the arbitrator's award
in any court having Jurisdiction. The validity, interpretation, effect and enforcement of this Agreement shall be governed by the laws of the State of California. 

    8.2  Assignment.  This Agreement shall inure to the benefit of and shall be binding upon the successors
and the assigns of the Company, and all such successors and assigns shall specifically assume this Agreement. Since this Agreement is based upon the unique abilities of, and the Company's personal
confidence in Employee, Employee shall have no right to assign this Agreement or any of his rights hereunder without the prior written consent of the Company. 

    8.3  Severability.  If any provision of this Agreement shall be found invalid, such findings shall not
affect the validity of the other provisions hereof and the invalid provisions shall be deemed to have been severed herefrom. 

    8.4  Waiver of Breach.  The waiver by any party of the breach of any provision of this Agreement by the
other party or the failure of any party to exercise any right granted to it hereunder shall not operate or be construed as the waiver of any subsequent breach by such other party nor the waiver of the
right to exercise any such right. 

    8.5  Entire Agreement.  This instrument, together with the plans referred to in Section 5,
contains the entire agreement of the parties. It may not be changed orally but only by an agreement in writing signed by the parties. 

    8.6  Notices.  Any notice required or permitted to be given hereunder shall be in writing and may be
personally served or sent by United States mail, and shall be deemed to have been given when personally served or two days after having been deposited in the United States mail, registered or
certified mail, return receipt requested, with first-class postage prepaid and properly addressed as follows. For the purposes hereof, the addresses of the parties hereto (until notice of a change
thereof is given as provided in this Section 8.6) shall be as follows: 

	If to Employee:	 	Michael Shabazian

57 Checkema Path

PO Box 95J RR#3

Vineyard Haven, MA 02568
	

If to the Company:	
 	

En Pointe Technologies, Inc.

100 N. Sepulveda Blvd., 19th Floor

El Segundo, CA 90245

Attention: Vice President-HR

PAGE 5

 

    8.7  Headings.  The paragraph and subparagraph headings herein are for convenience only and shall not
affect the construction hereof. 

    8.8  Further Assurances.  Each of the parties hereto shall, from time to time, and without charge to the
other parties, take such additional actions and execute, deliver and file such additional instruments as may be reasonably required to give effect to the transactions contemplated hereby. 

    8.9  Attorneys' Fees.  In the event any party hereto commences arbitration or legal action in connection
with this Agreement, the prevailing party shall be entitled to its attorneys' fees, costs and expenses reasonably incurred in such action, and the amount thereof shall be included in any judgment or
award granted under Section 8.1. 

    8.10  Counterparts.  This Agreement may be executed simultaneously in any number of counterparts, each of
which shall be deemed an original but all of which together shall constitute one and the same instrument. 

    8.11  Separate Counsel.  The Company has been represented by counsel in the negotiation and execution of
this Agreement and has relied on such counsel with respect to any matter relating hereto. The Employee has been invited to have his own counsel review and negotiate this Agreement and Employee has
either obtained his own counsel or has elected not to obtain counsel. 

    IN
WITNESS WHEREOF, the parties hereto have hereunto set their hands as of the day and year first above written. 

	"EMPLOYEE"	 	"PARENT"
	

 	
 	

EN POINTE TECHNOLOGIES, INC.,

a Delaware corporation
	

 Michael Shabazian	
 	

By:	
 	

 Bob Din, Chief Executive Officer
	

 	
 	
"SUBSIDIARY"
	

 	
 	

EN POINTE TECHNOLOGIES SALES, INC.,

a Delaware corporation
	

 	
 	

By:	
 	

/s/ BOB DIN   
 Bob Din, Chief Executive Officer

PAGE 6

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EXECUTIVE EMPLOYMENT AGREEMENT

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