Document:

Fourth Amendment to Credit Agreement

 EXHIBIT 10.1 
 FOURTH AMENDMENT TO CREDIT AGREEMENT 
 This FOURTH AMENDMENT TO CREDIT AGREEMENT (this
“Agreement”) is dated as of March 17, 2006 and entered into by and among PETCO Animal Supplies Stores, Inc., a Delaware corporation (“Company”), the financial institutions listed on the signature pages hereof
(“Lenders”) and Wells Fargo Bank, National Association, as administrative agent for Lenders (“Administrative Agent”), and, for purposes of Section 5 hereof, the guarantors listed on the signature pages hereto
(“Guarantors”) and is made with reference to that certain Credit Agreement dated as of January 13, 2005 as amended by that certain First Amendment to Credit Agreement dated as of March 10, 2005, and that certain Second
Amendment to Credit Agreement dated as of April 29, 2005, and that certain Third Amendment to Credit Agreement dated as of May 31, 2005 (as so amended, the “Credit Agreement”), by and among Company, Lenders and
Administrative Agent. Capitalized terms used herein without definition shall have the same meanings herein as set forth in the Credit Agreement. 
 RECITALS 
 WHEREAS, Company and Lenders desire to increase the Revolving Loan Commitments, allow for additional
increases to the Revolving Loan Commitments, decrease the applicable margins and commitment fees on the Revolving Loans, and make additional amendments as set forth below; 
 NOW, THEREFORE, in consideration of the premises and the agreements, provisions and covenants herein contained, the parties hereto agree as
follows: 
  

	Section 1.	AMENDMENT TO CREDIT AGREEMENT 

 1.1 Amendment
to Cover Page. The cover page of the Credit Agreement is hereby amended to identify JPMorgan Chase Bank, N.A. as a Co-Documentation Agent. 
 1.2 Amendments to Section 1: Definitions. 
 A. Section 1.1 of the Credit Agreement is
hereby amended by adding thereto the following definitions, which shall be inserted in proper alphabetical order: 
 “Fourth Amendment Effective Date” means the date the Fourth Amendment to this Agreement became effective in accordance with its terms. 
 “Fourth Amendment” means that certain Fourth Amendment to this Agreement dated as of March 17, 2006. 

 B. Section 1.1 of the Credit Agreement is hereby further amended by deleting
each of the defined terms “Applicable Base Rate Margin”, “Applicable Eurodollar Rate Margin”, “Commitment Fee Percentage”, “Consolidated Fixed Charge Coverage Ratio,” “Consolidated Pro Forma Fixed Charge
Coverage Ratio”, “Maintenance Capital Expenditures” and “Revolving Loan Commitment Termination Date” in their entirety and inserting the following defined terms in place thereof: 
 “Applicable Base Rate Margin” means, as at any date of determination, the percentage per annum set forth below opposite the applicable
Consolidated Total Leverage Ratio: 
  

				
	 Consolidated Total Leverage Ratio
	  	 Applicable Base
 Rate Margin
	 
	 3 2.00:1.00
	  	0.500	%
	 3 1.50:1.00 and <
2.00:1.00
	  	0.250	%
	 3 1.00:1.00 and <
1.50:1.00
	  	0.000	%
	 3 0.50:1.00 and <
1.00:1.00
	  	0.000	%
	 < 0.50:1.00
	  	0.000	%

 ; provided that until the delivery of the first Margin Determination Certificate after the Fourth Amendment
Effective Date by Company to Administrative Agent pursuant to subsection 6.1(xii), the Applicable Base Rate Margin shall be 0.000% per annum. 
 “Applicable Eurodollar Rate Margin” means, as at any date of determination, the percentage per annum set forth below opposite the applicable Consolidated Total Leverage Ratio: 
  

				
	 Consolidated Total Leverage Ratio
	  	 Applicable Eurodollar
 Rate Margin
	 
	 3 2.00:1.00
	  	1.625	%
	 3 1.50:1.00 and <
2.00:1.00
	  	1.375	%
	 3 1.00:1.00 and <
1.50:1.00
	  	1.125	%
	 3 0.50:1.00 and <
1.00:1.00
	  	1.000	%
	 < 0.50:1.00
	  	0.750	%

 ; provided that until the delivery of the first Margin Determination Certificate after the Fourth Amendment
Effective Date by Company to Administrative Agent pursuant to subsection 6.1(xii), the Applicable Eurodollar Rate Margin shall be 1.000% per annum. 
 “Commitment Fee Percentage” means, as at any date of determination, the percentage per annum set forth below opposite the applicable Consolidated Total Leverage Ratio: 
  

				
	 Consolidated Total Leverage Ratio
	  	 Commitment Fee
 Percentage
	 
	 3 2.00:1.00
	  	0.250	%
	 3 1.50:1.00 and <
2.00:1.00
	  	0.250	%
	 3 1.00:1.00 and <
1.50:1.00
	  	0.200	%
	 3 0.50:1.00 and <
1.00:1.00
	  	0.200	%
	 < 0.50:1.00
	  	0.150	%

  

					
		 	2	 	Fourth Amendment

 ; provided that until the delivery of the first Margin Determination Certificate after the Fourth Amendment
Effective Date by Company to Administrative Agent pursuant to subsection 6.1(xii), the Commitment Fee Percentage shall be 0.200%. 
 “Consolidated Fixed Charge Coverage Ratio” means, as of the last day of any Fiscal Quarter, the ratio of (i)(a) Consolidated EBITDA for the four-Fiscal Quarter period ending on such date plus (b) the
aggregate amount of all rents paid or payable during that period under all Operating Leases to which Holdings or its Subsidiaries is a party as lessee minus (c) Maintenance Capital Expenditures for such four-Fiscal Quarter period to
(ii) the sum of (a) Consolidated Interest Expense for such four-Fiscal Quarter period, plus (b) scheduled repayments of principal under all Indebtedness (including that portion attributable to Capital Leases in accordance with
GAAP but excluding payments of principal made for such period under the Existing Credit Agreement) of Holdings or any of its Subsidiaries for such four-Fiscal Quarter period, plus (c) dividends paid during such four-Fiscal Quarter period
(except dividends payable solely in shares of stock to the holders of that class) plus (d) redemptions or purchases of stock, stock equivalents or stock options issued by Holdings during such four-Fiscal Quarter period (except
(i) redemptions or purchases in exchange for common stock of Holdings and (ii) redemptions or purchases of Holdings common stock in an aggregate amount not to exceed $100,000,000 after the Fourth Amendment Effective Date) plus
(e) the aggregate amount of all rents paid or payable during that period under all Operating Leases to which Holdings or its Subsidiaries is a party as lessee plus (f) provisions for taxes based on income, all of the foregoing as
determined on a consolidated basis for Holdings and its Subsidiaries in conformity with GAAP; provided that for the period from the Closing Date through the third Fiscal Quarter of Fiscal Year 2005, the dividends, redemptions and repurchases
referenced in items (c) and (d) of clause (ii) above shall be limited to those made after the Closing Date. 
 “Consolidated Pro Forma Fixed Charge Coverage Ratio” means, as at any date of determination, the Consolidated Fixed Charge Coverage Ratio for the most recently ended four Fiscal-Quarter period; provided,
however, that for purposes of calculating the Consolidated Pro Forma Fixed Charge Coverage Ratio, the dividends, redemptions or repurchases referenced in items (c) and (d) in clause (ii) of such definition will be calculated
with respect to the twelve-month period ending with the month in which the Consolidated Pro Forma Fixed Charge Coverage Ratio is being determined (which will include all such dividends, redemptions or repurchases which occurred in the eleven months
ended prior to the date of such transaction, all such dividends, redemptions or repurchases which have occurred to date in such month of determination, and any dividends, redemptions or repurchases irrevocably committed to occur in such month of
determination) subject to the last proviso in the definition of Consolidated Fixed Charge Coverage Ratio. 
 “Maintenance Capital
Expenditures” means (a) $25,000,000 for the Fiscal Year ending on January 29, 2005, (b) $25,000,000 for the Fiscal Year ending on January 28, 2006, (c) $26,000,000 for the Fiscal Year ending on February 3,
2007, (d) $27,000,000 for the Fiscal Year ending on February 2, 2008, (e) $28,000,000 for the Fiscal Year ending on January 31, 2009, (f) $29,000,000 for the Fiscal Year ending on January 30, 2010, and
(g) $30,000,000 for the Fiscal Year ending on January 29, 2011. 
  

					
		 	3	 	Fourth Amendment

 “Revolving Loan Commitment Termination Date” means March 31, 2011; provided
that the Revolving Loan Commitment Termination Date may be extended by one year if Company delivers a written request for such extension to Administrative Agent before March 31, 2010 and 100% of the Lenders consent in writing thereto.

 1.3 Amendments to Section 2: Amounts and Terms of Commitments and Loans. 
 A. Section 2.1A(i) of the Credit Agreement is hereby amended by deleting the reference to “$200,000,000” contained
therein and substituting “$350,000,000” therefor. 
 B. Section 2.1A(ii) of the Credit Agreement is
hereby amended by deleting the reference to “$1,000,000” contained in the third paragraph thereof and substituting “$5,000,000” therefor. 
 C. Section 2.1A(iii) of the Credit Agreement is hereby amended by deleting the first sentence of such subsection in its
entirety and substituting the following therefor: 
 “(iii) Additional Commitments. Company may from time to time
after the Fourth Amendment Effective Date, by notice to Administrative Agent, request that, on the terms and subject to the conditions contained in this Agreement, Lenders and/or other financial institutions not then a party to this Agreement, that
are approved by Administrative Agent (such approval not to be unreasonably withheld or delayed), provide up to an aggregate amount of $100,000,000 in additional Revolving Loan Commitments (each such additional Revolving Loan Commitment, an
“Additional Commitment,” and collectively, the “Additional Commitments”); provided that (i) no Event of Default or Potential Event of Default shall have occurred and be continuing or result from such
Additional Commitments, (ii) Additional Commitments may be added hereunder on no more than three occasions, and on each such occasion, the aggregate amount of Additional Commitments added shall be in an aggregate minimum amount of $25,000,000
and integral multiples of $1,000,000 in excess of that amount, and (iii) after giving pro forma effect to such Additional Commitments and any borrowings contemplated to occur substantially concurrently with the addition thereof, Company
will be in compliance with all of its covenants under this Agreement (including, without limitation, those set forth in Section 7.6).” 
 D. Section 2.4A(iii)(a) of the Credit Agreement is hereby amended by deleting such subsection in its entirety and substituting the following therefor: 
 “(a) Reductions From Net Asset Sale Proceeds. No later than the fifteenth Business Day following the date of receipt by Holdings or any of
its Subsidiaries of any Net Asset Sale Proceeds in excess of $20,000,000 in respect of any Asset Sale other than the sale of the Company’s existing headquarters building, the Revolving Loan Commitments shall be permanently reduced in an
aggregate amount equal to such Net Asset Sale Proceeds; provided, however, that in the event Company notifies Administrative Agent in writing on or before the date of receipt of such Net Asset Sale Proceeds that Holdings or such
Subsidiary intends to replace any assets sold (“Exchange Assets”) with assets which are to be used in a business 

  

					
		 	4	 	Fourth Amendment

 
engaged in by Holdings and its Subsidiaries at the time of any such replacement or any business or activity substantially similar or related thereto, the
Revolving Loan Commitments shall be permanently reduced in an aggregate amount equal to the excess of (1) the aggregate amount of such Net Asset Sale Proceeds over (2) an amount equal to the amount of cash expected to be expended by
Holdings and its Subsidiaries to acquire such Exchange Assets during the 270-day period following the date of receipt by Holdings or any of its Subsidiaries of such Net Asset Sale Proceeds. Any amounts not expended by Holdings and its Subsidiaries
within such 270-day period, shall be applied pursuant to clause (c) below. Nothing contained in this clause (a) shall be construed to permit any sale of assets prohibited by subsection 7.7.” 
 1.4 Amendments to Section 4.2: Conditions to All Loans. 
 Section 4.2B is hereby amended by replacing the period at the end of clause (v) thereof with “; and” and inserting the following new clause (vi) immediately thereafter: 
 “(vi) the Notice of Borrowing shall demonstrate to the reasonable satisfaction of Administrative Agent that either (a) the aggregate amount of
the Loans, after giving effect to the requested Loans, will not exceed the maximum principal amount permitted for the “Senior Credit Facility” under clause (1) of Section 4.11 of the Senior Subordinated Note Indenture or
(b) all of the Senior Subordinated Notes shall have been redeemed or repurchased by the Company and cancelled, it being agreed this condition will be deemed satisfied if the proceeds of the Loans requested will be applied to redeem or
repurchase all of the Senior Subordinated Notes for cancellation, Administrative Agent has been directed to fund the requested Loans directly to the trustee for such purpose, and Administrative Agent is in all other respects satisfied in its
reasonable discretion that the funding of the Loans will cause all of the Senior Subordinated Notes to be redeemed or repurchased and cancelled.” 
 1.5 Amendments to Section 7: Negative Covenants of Company. 
 A.
Section 7.5 of the Credit Agreement is hereby amended by deleting clause (ii) in its entirety and substituting the following therefor: 
 “(ii) so long as no Event of Default or Potential Event of Default has occurred and is continuing or would result therefrom, Company or Holdings may redeem or otherwise repurchase stock, stock equivalents or stock options issued
by Company or Holdings provided that Company shall deliver an Officer’s Certificate to Administrative Agent prior to such redemption or repurchase certifying that the Company will be in pro forma compliance with Section 7.6A
(Minimum Consolidated Fixed Charge Coverage Ratio) for the period in which such redemption or repurchase occurs, calculated using Consolidated Pro Forma Fixed Charge Coverage Ratio as of such date in lieu of Consolidated Fixed Charge Coverage
Ratio.” 
 B. Section 7.6B of the Credit Agreement is hereby amended by deleting such subsection in its
entirety and substituting the following therefor: 
 “B. Maximum Consolidated Pro Forma Total Leverage Ratio.
Company shall not permit the Consolidated Pro Forma Total Leverage Ratio at the end of any Fiscal Quarter to exceed 2.50 to 1:00.” 
  

					
		 	5	 	Fourth Amendment

 C. Section 7.7 of the Credit Agreement is hereby amended to correct a
scrivener’s error in clause (vii) thereof by deleting the words, “Section 7.12” and replacing them with the words “Section 7.9.” 
 D. Section 7.8 of the Credit Agreement is hereby amended by deleting such subsection in its entirety and substituting the
following therefor: 
 “7.8 Consolidated Capital Expenditures. 
 Company shall not, and shall not permit Holdings or any of its Subsidiaries to, make or incur Consolidated Capital Expenditures in an
aggregate amount in excess of (a) $121,000,000 for the Fiscal Year ended on January 29, 2005, (b) $150,000,000 for the Fiscal Year ending on January 28, 2006, (c) $161,000,000 for the Fiscal Year ending on February 3,
2007, (d) $172,000,000 for the Fiscal Year ending on February 2, 2008, (e) $183,000,000 for the Fiscal Year ending on January 31, 2009, (f) $194,000,000 for the Fiscal Year ending on January 30, 2010, and
(g) $204,000,000 for the Fiscal Year ending on January 29, 2011 (such amount, for each Fiscal Year, the “Maximum Expenditure Amount”); provided that 
 (i) the Maximum Expenditure Amount for any Fiscal Year, beginning with the Fiscal Year ending on February 3, 2007, shall be
increased by an amount equal to the excess, if any, of the Maximum Expenditure Amount for the previous year (without giving effect to any previous adjustment made in accordance with this proviso) over the actual amount of Consolidated Capital
Expenditures for such previous Fiscal Year, but in no event shall such increase exceed 10% of the Maximum Expenditure Amount for such previous Fiscal Year, and 
 (ii) notwithstanding the limitations set forth in clauses (a) through (f) herein, Company may make or incur additional
Consolidated Capital Expenditures either (A) in an aggregate amount not to exceed $60 million for the purpose of purchasing the land and improvements comprising Company’s new corporate headquarters (or a portion thereof) or (B) in an
aggregate amount not to exceed $20 million for tenant improvements or other furniture, fixtures and equipment at Company’s new corporate headquarters, it being agreed that the amount described in either (A) or (B) herein (as
applicable) will be deemed increased by the amount of Net Asset Sale Proceeds from a sale of the Company’s existing corporate headquarters, and 
 (iii) for purposes of determining compliance with this covenant, any Consolidated Capital Expenditures made by Holdings or any of its Subsidiaries in connection with the acquisition and improvement of real property
during any period shall be deemed to be decreased by the net proceeds (consisting of Cash payments received from the sale net of any direct sales costs incurred in connection with the sale) of any 

  

					
		 	6	 	Fourth Amendment

 
sale-leaseback transaction covering such real property and improvements (not exceeding the amount of such Consolidated Capital Expenditures) consummated in
accordance with clause (2) of the first proviso of Section 7.9 in the period in which such sale-leaseback transaction is consummated.” 
  

	Section 2.	CONDITIONS TO EFFECTIVENESS; ADJUSTMENT OF PRO RATA SHARES 

 2.1 Conditions to Effectiveness. Section 1 of this Agreement shall become effective only upon the satisfaction of the following conditions precedent (the date of satisfaction of such conditions being referred to as
the “Fourth Amendment Effective Date”): 
 (a) Accuracy of Representations. The representations and
warranties contained herein shall be true and correct in all material respects; provided that, if a representation and warranty is qualified as to materiality, the applicable materiality qualifier set forth above shall be disregarded with
respect to such representation and warranty for purposes of this condition. 
 (b) No Default. After giving effect to
this Amendment, no Event of Default or a Potential Event of Default shall have occurred and be continuing on the Fourth Amendment Effective Date or result from this Amendment becoming effective in accordance with its terms. 
 (c) Execution of Amendment. Administrative Agent and the all Lenders (including those providing additional Revolving Loan
Commitments hereunder) shall have executed this Amendment and Administrative Agent shall have received a counterpart of this Amendment that bears the signature of the Company and each of the Guarantors. 
 (d) Amendment Fee. Administrative Agent shall have received from the Company on or prior to the Fourth Amendment Effective Date an
amendment fee for the account of each Lender equal to 0.075% of the combined Revolving Loan Exposure of such Lender prior to the effectiveness of this Amendment. 
 (e) Legal Opinion. Administrative Agent shall have received an opinion of Pillsbury Winthrop Shaw Pittman LLP, counsel for the
Borrower and the Guarantors, dated as of the Fourth Amendment Effective Date, covering such matters as Administrative Agent may reasonably request, in form and substance satisfactory to Administrative Agent. 
 (f) Corporate Proceedings. All corporate and other proceedings taken or to be taken in connection with the transactions
contemplated hereby and all documents incidental thereto not previously delivered to Administrative Agent, shall be satisfactory in form and substance to Administrative Agent, and Administrative Agent shall have received all such counterpart
originals or certified copies of such documents as Administrative Agent may reasonably request. 
  

					
		 	7	 	Fourth Amendment

 2.2 Adjustment of Pro Rata Shares. On the Fourth Amendment Effective Date, Pro Rata
Shares of each existing Lender will be adjusted to give effect to the increase in the Revolving Loan Commitments. On the Fourth Amendment Effective Date, (i) each Lender that is providing new or additional Revolving Loan Commitments will fund
to Administrative Agent an amount equal to the excess of such Lender’s adjusted Pro Rata Share of the outstanding Revolving Loans over the amount of Revolving Loans, if any, held by such Lender immediately prior to the effectiveness of this
Amendment and (ii) Administrative Agent shall distribute the amount so funded to the existing Lenders in amounts sufficient to reduce the balance of the Revolving Loans held by each Lender to such Lender’s adjusted Pro Rata Share of the
outstanding Revolving Loans. To the extent that any such adjustment of Pro Rata Shares results in losses or expenses to any Lender as a result of the prepayment of any Eurodollar Rate Loan on a date other than the scheduled last day of the
applicable Interest Period, Company acknowledges that it shall be responsible for such losses or expenses pursuant to subsection 2.6D of the Credit Agreement. 
  

	Section 3.	REPRESENTATIONS AND WARRANTIES 

 In order to induce
Lenders to enter into this Agreement and to amend the Credit Agreement in the manner provided herein, Company hereby represents and warrants that after giving effect to this Agreement, the following statements are true, correct and complete:

 (a) Restatement of Representations. The representations and warranties contained in the Credit Agreement and in the
other Loan Documents are true, correct and complete in all material respects on and as of the Fourth Amendment Effective Date to the same extent as though made on and as of such date, except to the extent such representations and warranties
specifically relate to an earlier date, in which case such representations and warranties shall have been true, correct and complete in all material respects on and as of such earlier date. 
 (b) Corporate Power and Authority. Company has all requisite corporate power and authority to enter into this Agreement and to
carry out the transactions contemplated by, and perform its obligations under, the Credit Agreement as amended by this Agreement (the “Amended Agreement”). 
 (c) Authorization of Agreements. The execution and delivery of this Agreement and the performance of the Amended Agreement have
been duly authorized by all necessary corporate action on the part of Company. 
 (d) No Conflict. The execution and
delivery by Company of this Agreement and the performance by Company of the Amended Agreement do not and will not (i) violate any provision of any law or any governmental rule or regulation applicable to Company or any of its Subsidiaries, the
Certificate or Articles of Incorporation or Bylaws of Company or any of its Subsidiaries or any order, judgment or decree of any court or other agency of government binding on Company or any of its Subsidiaries, (ii) conflict with, result in a
breach of or constitute (with due notice or lapse of time or both) a default under any Contractual Obligation of Company or any of its Subsidiaries, which breach or default would reasonably be expected to have a Material Adverse Effect,
(iii) result in or 

  

					
		 	8	 	Fourth Amendment

 
require the creation or imposition of any Lien upon any of the properties or assets of Company or any of its Subsidiaries (other than Liens created under any
of the Loan Documents in favor of Administrative Agent on behalf of Lenders), or (iv) require any approval of stockholders or any approval or consent of any Person under any Contractual Obligation of Company or any of its Subsidiaries.

 (e) Governmental Consents. The execution and delivery by Company of this Agreement and the performance by Company of
the Amended Agreement do not and will not require any registration with, consent or approval of, or notice to, or other action to, with or by, any federal, state or other governmental authority or regulatory body. 
 (f) Binding Obligation. This Agreement has been duly executed and delivered by Company and this Agreement and the Amended Agreement
are the legally valid and binding obligations of Company, enforceable against Company in accordance with their respective terms, except as may be limited by bankruptcy, insolvency, reorganization, moratorium or similar laws relating to or limiting
creditors’ rights generally or by equitable principles relating to enforceability. 
 (g) Absence of Default. No
event has occurred and is continuing that would constitute an Event of Default or a Potential Event of Default. 
  

	Section 4.	MISCELLANEOUS 

 (a) Reference to and Effect on
the Credit Agreement and the Other Loan Documents. 
 (i) On and after the Fourth Amendment Effective Date, each reference in the Credit
Agreement to “this Agreement”, “hereunder”, “hereof”, “herein” or words of like import referring to the Credit Agreement, and each reference in the other Loan Documents to the “Credit Agreement”,
“thereunder”, “thereof” or words of like import referring to the Credit Agreement shall mean and be a reference to the Amended Agreement. 
 (ii) Except as specifically amended by this Agreement, the Credit Agreement and the other Loan Documents shall remain in full force and effect and are hereby ratified and confirmed. 
 (iii) The execution, delivery and performance of this Agreement shall not, except as expressly provided herein, constitute a waiver of any provision of,
or operate as a waiver of any right, power or remedy of Administrative Agent or any Lender under, the Credit Agreement or any of the other Loan Documents. 
 (b) Fees and Expenses. Company acknowledges that all costs, fees and expenses as described in subsection 10.2 of the Credit Agreement incurred by Administrative Agent and its counsel with respect to this
Agreement and the documents and transactions contemplated hereby shall be for the account of Company. 
  

					
		 	9	 	Fourth Amendment

 (c) Headings. Section and subsection headings in this Agreement are included
herein for convenience of reference only and shall not constitute a part of this Agreement for any other purpose or be given any substantive effect. 
 (d) Applicable Law. THIS AGREEMENT AND THE RIGHTS AND OBLIGATIONS OF THE PARTIES HEREUNDER SHALL BE GOVERNED BY, AND SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH, THE INTERNAL LAWS OF THE STATE OF NEW
YORK (INCLUDING WITHOUT LIMITATION SECTION 5-1401 OF THE GENERAL OBLIGATIONS LAW OF THE STATE OF NEW YORK), WITHOUT REGARD TO CONFLICTS OF LAWS PRINCIPLES. 
 (e) Counterparts; Effectiveness. This Agreement may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed and delivered shall be
deemed an original, but all such counterparts together shall constitute but one and the same instrument; signature pages may be detached from multiple separate counterparts and attached to a single counterpart so that all signature pages are
physically attached to the same document. This Agreement shall become effective upon the execution of a counterpart hereof by Company, Requisite Lenders and each of the Loan Parties and receipt by Company and Administrative Agent of written or
telephonic notification of such execution and authorization of delivery thereof. 
  

	Section 5.	ACKNOWLEDGEMENT AND CONSENT BY GUARANTORS 

 Each
guarantor listed on the signature pages hereof (“Guarantors”) hereby acknowledges that it has read this Agreement and consents to the terms thereof, and hereby confirms and agrees that, notwithstanding the effectiveness of this
Agreement, the obligations of each Guarantor under its applicable Guaranty shall not be impaired or affected and the applicable Guaranty is, and shall continue to be, in full force and effect and is hereby confirmed and ratified in all respects.
Each Guarantor further agrees that nothing in the Credit Agreement, this Agreement or any other Loan Document shall be deemed to require the consent of such Guarantor to any future amendment to the Credit Agreement. 
  

					
		 	10	 	Fourth Amendment

 IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed and
delivered by their respective officers thereunto duly authorized as of the date first written above. 
  

			
	COMPANY:
	
	PETCO ANIMAL SUPPLIES STORES, INC.
		
	By:	 	 /s/ Rodney Carter

	Name:	 	Rodney Carter
	Title:	 	Senior Vice President and Chief
Financial Officer

  

					
		 	S-1	 	Fourth Amendment

			
	WELLS FARGO BANK, NATIONAL ASSOCIATION, as Administrative Agent and as a Lender
		
	By:	 	 /s/ Alex Y. Kim

	 Name:
	 	 Alex Y. Kim

	 Title:
	 	 Vice President

  

					
		 	S-2	 	Fourth Amendment

			
	LENDERS:
	
	BANK OF AMERICA, N.A.
		
	By:	 	 /s/ Matthew Koenig

	 Name:
	 	 Matthew Koenig

	 Title:
	 	 Senior Vice President

  

					
		 	S-3	 	Fourth Amendment

			
	U.S. BANK NATIONAL ASSOCIATION
		
	By:	 	 /s/ Scott J. Bell

	 Name:
	 	 Scott J. Bell

	 Title:
	 	 Senior Vice President

  

					
		 	S-4	 	Fourth Amendment

			
	UNION BANK OF CALIFORNIA, N.A.
		
	By:	 	 /s/ L.D. Hart

	 Name:
	 	 L.D. Hart

	 Title:
	 	 Vice President

  

					
		 	S-5	 	Fourth Amendment

			
	NATIONAL CITY BANK
		
	By:	 	 /s/ Jennifer Taliaferro

	 Name:
	 	 Jennifer Taliaferro

	 Title:
	 	 Relationship Manager

  

					
		 	S-6	 	Fourth Amendment

			
	HSBC BANK USA, NATIONAL ASSOCIATION
		
	By:	 	 /s/ Blake Seaton

	 Name:
	 	 Blake Seaton

	 Title:
	 	 Vice President

  

					
		 	S-7	 	Fourth Amendment

			
	JPMORGAN CHASE BANK, N.A.
		
	By:	 	 /s/ Stephen C. Price

	 Name:
	 	 Stephen C. Price

	 Title:
	 	 Senior Vice President

  

					
		 	S-8	 	Fourth Amendment

									
	GUARANTORS:	 		 	PETCO ANIMAL SUPPLIES, INC.,
a Delaware corporation
					
		 		 		 	 By:
	 	 /s/ Rodney Carter

		 		 		 	 Name:
	 	 Rodney Carter

		 		 		 	 Title:
	 	Senior Vice President and Chief
Financial Officer

  

									
		 		 	 INTERNATIONAL PET SUPPLIES AND DISTRIBUTION, INC.,
 a California corporation

					
		 		 		 	 By:
	 	 /s/ Rodney Carter

		 		 		 	 Name:
	 	 Rodney Carter

		 		 		 	 Title:
	 	Senior Vice President and Chief
Financial Officer

  

									
		 		 	PETCO SOUTHWEST, INC.,
a California corporation
					
		 		 		 	 By:
	 	 /s/ Rodney Carter

		 		 		 	 Name:
	 	 Rodney Carter

		 		 		 	 Title:
	 	Senior Vice President and Chief
Financial Officer

  

									
		 		 	PETCO SOUTHWEST, L.P.,
a California limited partnership
					
		 		 		 	 By:
	 	 PETCO ANIMAL SUPPLIES STORES, INC.

		 		 		 	 Its:
	 	 General Partner

					
		 		 		 	 By:   
	 	 /s/ Rodney Carter

		 		 		 	 Name:
	 	 Rodney Carter

		 		 		 	 Title:
	 	Senior Vice President and Chief
Financial Officer

  

					
		 	S-9	 	Fourth Amendment

			
	PET CONCEPTS INTERNATIONAL,
	 a California corporation

		
	 By:
	 	 /s/ Rodney Carter

	 Name:
	 	 Rodney Carter

	 Title:
	 	 Senior Vice President and Chief

		 	 Financial Officer

  

			
	PM MANAGEMENT INCORPORATED,
a California corporation
		
	 By:
	 	 /s/ Rodney Carter

	 Name:
	 	 Rodney Carter

	 Title:
	 	 Senior Vice President and Chief

		 	 Financial Officer

  

			
	E-PET SERVICES,
	 a California corporation

		
	 By:
	 	 /s/ Rodney Carter

	 Name:
	 	 Rodney Carter

	 Title:
	 	 Senior Vice President and Chief

		 	 Financial Officer

  

			
	E-PET SERVICES, LLC,
	 a Virginia limited liability company

		
	 By:
	 	 E-PET SERVICES

	 Its:
	 	 Sole Member

		
	 By:
	 	 /s/ Rodney Carter

	 Name:
	 	 Rodney Carter

	 Title:
	 	 Senior Vice President and Chief

		 	 Financial Officer

  

					
		 	S-10	 	Fourth AmendmentExhibit 4.1

 Exhibit 4.1 
 PRICING INSTRUMENT 
 WHEREAS, the parties named herein desire to enter into certain Program Documents
(as defined herein) contained herein, each such document (unless otherwise specified in such document) dated as of the date of the Pricing Supplement (attached to this Pricing Instrument as Exhibit C) (the “Pricing Supplement”), relating
to the issuance by Genworth Global Funding Trust 2006-B (the “Trust”) of Notes to investors under the secured notes program sponsored by Genworth Life and Annuity Insurance Company (“GLAIC”); 
 WHEREAS, the Trust is a trust and will be organized under and its activities will be governed by the provisions of the Trust Agreement (set forth in
Section A of this Pricing Instrument), dated as of the date of the Pricing Supplement, by and between the parties thereto indicated in Section E herein; 
 WHEREAS, certain expense and indemnification arrangements between GLAIC and the Trustee, on behalf of itself and on behalf of the Trust, are governed pursuant to the provisions of the Expense and Indemnity Agreement
dated as of December 7, 2005, by and between GLAIC and the Trustee; 
 WHEREAS, certain licensing arrangements between the Trust and
Genworth Financial, Inc. will be governed pursuant to the provisions of the License Agreement dated as of October 28, 2005, by and between the Trust and Genworth Financial, Inc.; 
 WHEREAS, certain custodial arrangements for the Funding Agreement will be governed pursuant to the provisions of the Custodial Agreement (the
“Custodial Agreement”) dated as of December 7, 2005 by and among SunTrust Bank, acting as custodian (the “Custodian”), the Indenture Trustee and the Trust; 
 WHEREAS, the Notes will be issued pursuant to the Indenture (set forth in Section B of this Pricing Instrument), dated as of the Original Issue Date, by
and between the parties thereto indicated in Section E herein; 
 WHEREAS, the sale of the Notes will be governed by the Terms Agreement (set
forth in Section C of this Pricing Instrument), dated as of the date of the Pricing Supplement, by and among the parties thereto indicated in Section E herein; and 
 WHEREAS, certain agreements relating to the Notes and the Funding Agreement are set forth in the Coordination Agreement (set forth in Section D of this Pricing Instrument), dated as of the date of the Pricing
Supplement, by and among the parties thereto indicated in Section E herein. 
 All capitalized terms used herein and not otherwise defined
will have the meanings set forth in the Indenture. 

 SECTION A 
 TRUST AGREEMENT 
 This TRUST AGREEMENT (this “Trust Agreement”), dated as of the date of the
Pricing Supplement, is entered into by and between GSS Holdings II, Inc., a Delaware corporation, as trust beneficial owner (the “Trust Beneficial Owner”), and The Bank of New York, a New York banking corporation, as Trustee (the
“Trustee”). 
 W I T N E S S E T H: 
 WHEREAS, the Trust Beneficial Owner and the Trustee desire to authorize the issuance of a Trust Beneficial Interest and a series of Notes in connection with the entry into this Trust Agreement; 
 WHEREAS, all things necessary to make this Trust Agreement a valid and legally binding agreement of the Trustee and the Trust Beneficial Owner,
enforceable in accordance with its terms, have been done; 
 WHEREAS, the parties intend to provide for, among other things, (i) the
issuance and sale of the Notes (pursuant to the Indenture, the Distribution Agreement and the related Terms Agreement) and the Trust Beneficial Interest, (ii) the use of the proceeds of the sale of the Notes and Trust Beneficial Interest to
acquire the Funding Agreement, and (iii) all other actions deemed necessary or desirable in connection with the transactions contemplated by this Trust Agreement; and 
 WHEREAS, the parties hereto desire to incorporate by reference those certain Standard Trust Terms, dated as of December 8, 2005, and attached to the
Pricing Instrument as Exhibit A (the “Standard Trust Terms”). 
 NOW, THEREFORE, in consideration of the agreements and obligations
set forth herein and for other good and valuable consideration, the sufficiency of which are hereby acknowledged, each party hereby agrees as follows: 
 ARTICLE 1 
 Section 1.01 Incorporation by Reference. All terms, provisions and agreements set
forth in the Standard Trust Terms (except to the extent expressly modified herein) are hereby incorporated herein by reference with the same force and effect as though fully set forth herein. All capitalized terms not otherwise defined herein
(including the recitals hereof) shall have the meanings set forth in the Standard Trust Terms (the Standard Trust Terms and this Trust Agreement, collectively, the “Trust Agreement”). To the extent that the terms set forth in Article 2 of
this Trust Agreement are inconsistent with the terms of the Standard Trust Terms, the terms set forth in Article 2 herein shall apply. 
  

 A-1 

 ARTICLE 2 
 Section 2.01 Name. The Trust created and governed by this Trust Agreement shall be the trust specified in the Pricing Instrument. The name of the Trust shall be the name specified in the first paragraph of
the Pricing Instrument, as such name may be modified from time to time by the Trustee following written notice to the Trust Beneficial Owner. 
 Section 2.02 Jurisdiction. The Trust is hereby organized in, and formed under and pursuant to, the laws of the jurisdiction specified in the Pricing Supplement. 
 Section 2.03 Initial Capital Contribution and Ownership. The Trust Beneficial Owner has paid or has caused to be paid to, or to an account at
the direction of, the Trustee, on the date hereof, the sum of $15 (or, in the case of Notes issued with original issue discount, such amount multiplied by the issue price of the Notes as specified in the Pricing Supplement). The Trustee hereby
acknowledges receipt in trust from the Trust Beneficial Owner, as of the date hereof, of the foregoing contribution, which shall be used along with the proceeds from the sale of the series of Notes to purchase the Funding Agreement. Upon the
creation of the Trust and the registration of the Trust Beneficial Interest in the Securities Register (as defined in the Trust Agreement) by the Trust Registrar in the name of the Trust Beneficial Owner, the Trust Beneficial Owner shall be the sole
beneficial owner of the Trust. 
 Section 2.04 Acknowledgment. The Trustee, on behalf of the Trust, expressly acknowledges its
duties and obligations set forth in the Standard Trust Terms incorporated herein by reference. 
 Section 2.05 Additional Terms.

 None. 
 Section 2.06
Pricing Instrument; Execution and Incorporation of Terms. 
 The parties hereto will enter into the Trust Agreement by executing the
Pricing Instrument. 
 By executing the Pricing Instrument, the Trustee and the Trust Beneficial Owner hereby agree that the Trust Agreement
will constitute a legal, valid and binding agreement between the Trustee and the Trust Beneficial Owner. 
 All terms relating to the Trust
or the series of Notes not otherwise included herein will be as specified in the Pricing Instrument or Pricing Supplement, as indicated herein. 
 Section 2.07 Governing Law. This Trust Agreement will be governed by, and construed in accordance with, the laws of the jurisdiction specified in the Pricing Supplement. 
 Section 2.08 Counterparts. The Trust Agreement, through the Pricing Instrument, may be executed in any number of counterparts, each of which
counterparts shall be deemed to be an original, and all of which counterparts shall constitute but one and the same instrument. 
  

 A-2 

 SECTION B 
 INDENTURE 
 This INDENTURE (this “Indenture”) is entered into as of the Original Issue Date by and
between the Genworth Global Funding Trust specified in the Pricing Instrument (the “Trust”) and JPMorgan Chase Bank, N.A., as indenture trustee (the “Indenture Trustee”). 
 JPMorgan Chase Bank, N.A., in its capacity as Indenture Trustee, hereby accepts its role as Registrar, Paying Agent, Transfer Agent and Calculation Agent
hereunder. 
 References herein to “Indenture Trustee,” “Registrar,” “Transfer Agent,” “Paying Agent”
or “Calculation Agent” shall include the permitted successors and assigns of any such entity from time to time. 
 W I T N E S S E T
H: 
 WHEREAS, the Trust has duly authorized the execution and delivery of this Indenture to provide for the issuance of Notes; 

WHEREAS, all things necessary to make this Indenture a valid and legally binding agreement of the Trust and the other parties to this Indenture,
enforceable in accordance with its terms, have been done, and the Trust proposes to do all things necessary to make the Notes, when executed by the Trust and authenticated and delivered pursuant hereto, valid and legally binding obligations of the
Trust as hereinafter provided; and 
 WHEREAS, the parties hereto desire to incorporate by reference those certain Standard Indenture Terms,
dated as of December 8, 2005, and attached to the Pricing Instrument as Exhibit B (the “Standard Indenture Terms”). 
 NOW, THEREFORE, for and in consideration of the premises and the purchase of the Notes by the Holders thereof, it is mutually covenanted and agreed by each of the parties hereto as follows: 
 ARTICLE 1 
 Section 1.01
Incorporation by Reference. All terms, provisions and agreements set forth in the Standard Indenture Terms (except to the extent expressly modified herein) are hereby incorporated herein by reference with the same force and effect as though
fully set forth herein. All capitalized terms not otherwise defined herein (including the recitals hereof) shall have the meanings set forth in the Standard Indenture Terms (the Standard Indenture Terms and this Indenture, collectively, the
“Indenture”). To the extent that the terms set forth in Article 2 of this Indenture are inconsistent with the terms of the Standard Indenture Terms, the terms set forth in Article 2 herein shall apply. 
  

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 ARTICLE 2 
 Section 2.01 Agreement to be Bound. Each of the Trust, the Indenture Trustee, the Registrar, the Transfer Agent, the Paying Agent and the Calculation Agent hereby agrees to be bound by all of the terms,
provisions and agreements set forth in the Indenture, with respect to all matters contemplated in the Indenture, including, without limitation, those relating to the issuance of the below-referenced Notes. 
 Section 2.02 Designation of the Trust, the Notes and the Funding Agreement. The Trust created by the Trust Agreement specified in the Pricing
Instrument and referred to herein is the Genworth Global Funding Trust specified in the Pricing Instrument. The Notes issued by the Trust and governed by the Indenture shall be the Notes specified in the Pricing Supplement. The Funding Agreement
designated hereby is the Funding Agreement designated in the Pricing Supplement, effective as of the Original Issue Date, between the Trust and Genworth Life and Annuity Insurance Company. 
 Section 2.03 Additional Terms. 
 None. 
 Section 2.04 Pricing Instrument; Execution and Incorporation of Terms. 
 The parties hereto will enter into this Indenture by executing the Pricing Instrument. 
 By executing the Pricing Instrument, the Indenture Trustee, the Registrar, the Transfer Agent, the Paying Agent, the Calculation Agent and the Trust
hereby agree that the Indenture will constitute a legal, valid and binding agreement between the Indenture Trustee, the Registrar, the Transfer Agent, the Paying Agent, the Calculation Agent and the Trust. 
 All terms relating to the Trust or the Notes not otherwise included herein will be as specified in the Pricing Instrument or Pricing Supplement, as
indicated herein. 
 Section 2.05 Counterparts. This Indenture, through the Pricing Instrument, may be executed in any number of
counterparts, each of which counterparts shall be deemed to be an original, and all of which counterparts shall constitute one and the same instrument. 
 [Remainder of Page Left Intentionally Blank] 
  

 B-2 

 SECTION C 
 TERMS AGREEMENT 
 This TERMS AGREEMENT (this “Terms Agreement”) is entered into as of the date of
the Pricing Supplement by and among Genworth Life and Annuity Insurance Company (“GLAIC”), the Genworth Global Funding Trust specified in the Pricing Instrument (the “Trust”) and the Agents specified in the Pricing Supplement
(the “Agents”). 
 W I T N E S S E T H: 
 WHEREAS, GLAIC and the Agents have entered into that certain Distribution Agreement dated December 9, 2005 (the “Distribution Agreement”). 
 NOW, THEREFORE, in consideration of the mutual promises set forth herein and other good and valuable consideration, the sufficiency and receipt of which
are hereby acknowledged, each of the parties hereby agrees as follows: 
 ARTICLE 1 
 Section 1.01 Incorporation by Reference. The provisions of the Distribution Agreement and the related definitions (unless otherwise specified
herein) are incorporated by reference herein and shall be deemed to have the same force and effect as if set forth in full herein. 
 ARTICLE
2 
 Section 2.01 Addition of Trust as Party to Distribution Agreement. 
 Pursuant to Section 1 of the Distribution Agreement, each of the undersigned parties hereby acknowledges and agrees that the Trust, upon execution
hereof by the Trust and the other parties to this Terms Agreement, shall become a Trust for purposes of the Distribution Agreement in accordance with the terms thereof, in respect of the Notes, with all the authority, rights, powers, duties and
obligations of a Trust under the Distribution Agreement. The Trust confirms that any agreement, covenant, acknowledgment, representation or warranty under the Distribution Agreement applicable to the Trust is made by the Trust at the date hereof,
unless another time or times are specified in the Distribution Agreement, in which case such agreement, covenant, acknowledgment, representation or warranty shall be deemed to be confirmed by the Trust at such specified time or times. 
 All references to Section 9 (Indemnification) of the Distribution Agreement to “solely with respect to the applicable Agent(s) or
Co-Agent(s)” will include all of such Agent’s or Co-Agent’s directors and officers and each person, if any, who controls such Agent or Co-Agent within the meaning of Section 15 of the Securities Act of 1933, as amended or
Section 20 of the Securities Exchange Act of 1934, as amended. All references in the Distribution Agreement to the “Registration Statement”, the “Institutional Base Prospectus”, the “Retail Base Prospectus”, any
“preliminary prospectus”, the “Time of Sale Prospectus” and the “Prospectus” shall also be deemed to include all documents incorporated by reference therein. 
  

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 Section 2.02 Purchase of Notes as Principal. 
 (a) Subject in all respects to the terms and conditions of the Distribution Agreement, the Trust hereby agrees to sell to each Agent and each Agent hereby
agrees to purchase, severally and not jointly, the Notes having the terms specified in the Pricing Supplement relating to such Notes. 
 (b)
In connection with any purchase of Notes from the Trust by the Agent(s) as principal, the parties agree that the items specified on Schedule I of the Pricing Instrument will be delivered as of the Settlement Date. 
 Section 2.03 Termination. Upon the termination of this Terms Agreement pursuant to Section 13(b) of the Distribution Agreement the
undersigned parties hereby agree to allocate the expenses reasonably incurred prior to or in connection with such termination as follows: 
 The expenses will be borne by GLAIC. 
 Section 2.04 Applicable Time. For purposes of the Distribution Agreement, the
Applicable Time shall be 3:10 pm EST, March 16, 2006. 
 Section 2.05 Governing Law. This Terms Agreement shall be governed
by and construed in accordance with the laws of the State of New York without regard to the principles of conflicts of laws thereof. 
 Section 2.06 Notices. For purposes of Section 14 of the Distribution Agreement, the Trust’s communications details are as set forth in Section D of the Pricing Instrument. 
 Section 2.07 Pricing Instrument; Execution and Incorporation of Terms. 
 The parties hereto will enter into this Terms Agreement by executing the Pricing Instrument. 
 By executing the Pricing Instrument, each party hereto agrees that this Terms Agreement will constitute a legal, valid and binding agreement by and among
such parties. 
 All terms relating to the Trust or the Notes not otherwise included in this Terms Agreement will be as specified in the
Pricing Instrument or Pricing Supplement, as indicated herein. 
 Section 2.08 Counterparts. This Terms Agreement, through the
Pricing Instrument, may be executed in any number of counterparts, each of which counterparts shall be deemed to be an original, and all of which counterparts shall constitute but one and the same instrument. 
 [Remainder of Page Left Intentionally Blank] 
  

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 EXHIBIT A 
  

 C-3 

 SECTION D 
 COORDINATION AGREEMENT 
 This COORDINATION AGREEMENT (this “Coordination Agreement”), dated as of
the date of the Pricing Supplement, is entered into by and among Genworth Life and Annuity Insurance Company (“GLAIC”), the Genworth Global Funding Trust specified in the Pricing Instrument (the “Trust”), SunTrust Bank, in its
capacity as custodian of the Funding Agreement (“Custodian”) and JPMorgan Chase Bank, N.A., as indenture trustee (the “Indenture Trustee”). 
 W I T N E S S E T H 
 WHEREAS, the Trust will enter into the Funding Agreement with GLAIC, effective as of
the Original Issue Date specified in the Pricing Supplement; 
 WHEREAS, the Agent(s) (as defined in the Distribution Agreement) will sell
the Notes in accordance with the Registration Statement; 
 WHEREAS, the Trust intends to issue the Notes in accordance with the Indenture,
to collaterally assign to, and grant a security interest in, the Funding Agreement to and in favor of the Indenture Trustee in accordance with the Indenture to secure payment of the Notes; and 
 WHEREAS, the Custodian will hold the Funding Agreement on behalf of the Indenture Trustee pursuant to the terms of the Custodial Agreement. 

NOW, THEREFORE, to give effect to the agreements and arrangements established under the Terms Agreement included in the Pricing Instrument, as
applicable, the Trust Agreement, the Indenture and the Notes, and in consideration of the agreements and obligations set forth herein and for other good and valuable consideration, the sufficiency of which are hereby acknowledged, each party hereby
agrees as follows: 
 ARTICLE 1 
 Section 1.01 Delivery of the Funding Agreement. The Trust hereby authorizes the Custodian, on behalf of the Indenture Trustee, to receive the Funding Agreement from GLAIC pursuant to the assignment of the Funding Agreement (the
“Assignment”), to be entered into on the Original Issue Date, included in the closing instrument dated as of the Original Issue Date (the “Closing Instrument”). 
 Section 1.02 Issuance and Purchase of the Notes. 
 (a) Delivery of the Funding Agreement to the Custodian, on behalf of the Indenture Trustee, pursuant to the Assignment or execution of the cross-receipt contained in the Closing Instrument shall be confirmation of
payment by the Trust for the Funding Agreement. 
 (b) The Trust hereby directs the Indenture Trustee, upon receipt of the Funding Agreement
by the Custodian, on behalf of the Indenture Trustee and pursuant to the Assignment, (i) to authenticate the certificates representing the Notes (the “Certificates”) in accordance with 
  

 D-1 

 the Indenture and (ii) to (A) deliver each relevant Certificate to the clearing system or systems identified in
each such Certificate, or to the nominee of such clearing system, or the custodian thereof, for credit to such accounts as the Agent(s) may direct, or (B) deliver each relevant Certificate to the purchasers thereof as identified by the
Agent(s). 
 ARTICLE 2 
 Section 2.01 Directions Regarding Periodic Payments. As registered owner of the Funding Agreement as collateral securing payments on the Notes, the Indenture Trustee will receive payments on the Funding Agreement on behalf of
the Trust. The Trust hereby directs the Indenture Trustee to use such funds to make payments on behalf of the Trust pursuant to the Trust Agreement and the Indenture. 
 Section 2.02 Maturity of the Funding Agreement. Upon the maturity of the Funding Agreement and the return of funds thereunder, the Trust hereby directs the Indenture Trustee to set aside from such funds an
amount sufficient for the repayment of the outstanding principal on the Notes and Trust Beneficial Interest when due. 
 ARTICLE 3 

Section 3.01 Officer’s Certificates. GLAIC hereby agrees to deliver an Officer’s Certificate, a copy of which is attached hereto
as Exhibit D, on a quarterly basis to any rating agency currently rating the Program. The Trust hereby agrees to deliver an Officer’s Certificate, a copy of which is attached to the Pricing Instrument as Exhibit E, on a quarterly
basis to any rating agency currently rating the Program. 
 Section 3.02 Filings. GLAIC hereby covenants to file, or cause to be
filed, in a timely manner on behalf of the Trust all reports, certifications or similar filings required under the Securities Exchange Act of 1934, as amended. 
 ARTICLE 4 
 Section 4.01 No Additional Liability. Nothing in this Coordination Agreement shall
impose any liability or obligation on the part of any party to this Coordination Agreement to make any payment or disbursement in addition to any liability or obligation such party has under the Program Documents, except to the extent that a party
has actually received funds which it is obligated to disburse pursuant to this Coordination Agreement. 
 Section 4.02 No
Conflict. This Coordination Agreement is intended to be in furtherance of the agreements reflected in the documents related to the Program Documents, and not in conflict. To the extent that a provision of this Coordination Agreement conflicts
with the provisions of one or more Program Documents, the provisions of such Program Documents shall govern. 
 Section 4.03
Governing Law. This Coordination Agreement shall be governed by and construed in accordance with the laws of the State of New York without regard to the principles of conflicts of laws thereof. 
  

 D-2 

 Section 4.04 Severability. If any provision in this Coordination Agreement shall be invalid,
illegal or unenforceable, such provision shall be deemed severable from the remaining provisions of this Coordination Agreement and shall in no way affect the validity or enforceability of such other provisions of this Coordination Agreement.

 Section 4.05 Notices. All demands, notices and communications under this Coordination Agreement shall be in writing and shall
be deemed to have been duly given upon receipt at the addresses set forth below: 
 To the Trust: 
 Genworth Global Funding Trust 2006-B 
 c/o The
Bank of New York 
 101 Barclay Street, Floor 8E 
 New York, New York 10286 
 Attention: Corporate Trust Division, Dealing and Trading 
 Facsimile: (212) 815-2850 
 To the
Indenture Trustee: 
 JPMorgan Chase Bank, N.A. 
 4 New York Plaza, 15th Floor 
 New York, New York 10004 
 Attention:
Worldwide Securities Services 
 Facsimile: (212) 623-6167 
 To GLAIC: 
 Genworth Life and Annuity Insurance Company 
 6610 West Broad Street 
 Richmond, Virginia
23230 
 Attention: Treasurer 
 Facsimile: (804) 662-7777 
 with a copy to: 
 Genworth Life and Annuity Insurance Company 
 6610 West Broad Street 
 Richmond, Virginia 23230 
 Attention: Heather
Harker, Esq. 
 Facsimile: (804) 281-6005 
 To the Custodian: 
 SunTrust Bank 
 919 East Main Street 
 Richmond, Virginia
23219 
 Attention: Retirement Services 
 Facsimile: (804) 782-7439 
 or at such other address as shall be designated by any such party in a written notice to the other parties.

  

 D-3 

 ARTICLE 5 
 Section 5.01 Pricing Instrument; Execution and Incorporation of Terms. 
 The parties to this
Coordination Agreement will enter into this Coordination Agreement by executing the Pricing Instrument. 
 By executing the Pricing
Instrument, each party hereto agrees that this Coordination Agreement will constitute a legal, valid and binding agreement by and among the Trust, GLAIC, the Custodian and the Indenture Trustee. 
 All terms relating to the Trust or the Notes not otherwise included in this Coordination Agreement will be as specified in the Pricing Instrument or
Pricing Supplement, as indicated herein. 
 Section 5.02 Counterparts. This Coordination Agreement, through the Pricing
Instrument, may be executed in any number of counterparts, each of which counterparts shall be deemed to be an original, and all of which counterparts shall constitute but one and the same instrument. 
 Section 5.03 Capitalized Terms. All capitalized terms used herein and not otherwise defined in this Coordination Agreement will have the
meanings set forth in the Indenture. 
 [Remainder of Page Left Intentionally Blank] 
  

 D-4 

 SECTION E 
 MISCELLANEOUS AND EXECUTION PAGES 
 This Pricing Instrument may be executed by each of the parties hereto in
any number of counterparts, and by each of the parties hereto on separate counterparts, each of which counterparts, when so executed and delivered, shall be deemed to be an original, but all such counterparts shall together constitute but one and
the same instrument. 
 Each signatory, by its execution hereof, does hereby become a party to each of the agreements or indenture identified
for such party as of the date specified in such agreements or indenture. 
 IN WITNESS WHEREOF, the undersigned have executed this Pricing
Instrument with respect to the Notes as of the date first written above. 
  

			
	GENWORTH LIFE AND ANNUITY INSURANCE COMPANY (in executing below agrees and becomes a party to (i) the Terms Agreement set forth in Section C herein and (ii) the Coordination
Agreement set forth in Section D herein)
		
	By:	 	 /s/ Pamela C. Asbury

	Name:	 	Pamela C. Asbury
	Title:	 	Vice President

 [Execution Page 1 of 3] 
  

 E-1 

			
	THE GENWORTH GLOBAL FUNDING TRUST DESIGNATED IN THIS PRICING INSTRUMENT (in executing below agrees and becomes a party to (i) the Indenture set forth in Section B herein, (ii) the
Terms Agreement set forth in Section C herein and (iii) the Coordination Agreement set forth in Section D herein)
	
	By: The Bank of New York, not in its individual capacity but solely in its capacity as Trustee of the Trust
		
	By:	 	 /s/ Joseph A. Lloret

	Name:	 	Joseph A. Lloret
	Title:	 	Assistant Vice President
	
	THE BANK OF NEW YORK (in executing below agrees and becomes a party to the Trust Agreement set forth in Section A herein), as Trustee
		
	By:	 	 /s/ Joseph A. Lloret

	Name:	 	Joseph A. Lloret
	Title:	 	Assistant Vice President
	
	THE BANK OF NEW YORK (in executing below acknowledges and agrees to Section 5.01 of the Trust Agreement set forth in Section A herein), in its individual
capacity
		
	By:	 	 /s/ Joseph A. Lloret

	Name:	 	Joseph A. Lloret
	Title:	 	Assistant Vice President
	
	GSS HOLDINGS II, INC. (in executing below agrees and becomes a party to the Trust Agreement set forth in Section A herein), as Trust Beneficial Owner
		
	By:	 	 /s/ Andrew L. Stidd

	Name:	 	Andrew L. Stidd
	Title:	 	President

 [Execution Page 2 of 3] 
  

 E-2 

			
	JPMORGAN CHASE BANK, N.A. (in executing below agrees and becomes a party to (i) the Indenture set forth in Section B herein, as Indenture Trustee, Registrar, Transfer Agent, Paying
Agent and Calculation Agent and (ii) the Coordination Agreement set forth in Section D herein), as Indenture Trustee, Registrar, Transfer Agent, Paying Agent and Calculation Agent
		
	By:	 	 /s/ Michael A. Smith

	Name:	 	Michael A. Smith
	Title:	 	Vice President
	
	SUNTRUST BANK (in executing below agrees and becomes a party to the Coordination Agreement set forth in Section D herein), as Custodian
		
	By:	 	 /s/ Richard J. Owens III

	Name:	 	Richard J. Owens III
	Title:	 	Trust Officer/AUP
	
	BANC OF AMERICA SECURITIES LLC (in executing below agrees and becomes a party to the Terms Agreement set forth in Section C herein)
		
	By:	 	 /s/ Peter J. Carbone

	Name:	 	Peter J. Carbone
	Title:	 	Vice President
	
	BEAR, STEARNS & CO., INC. (in executing below agrees and becomes a party to the Terms Agreement set forth in Section C herein)
		
	By:	 	 /s/ Christopher O’Connor

	Name:	 	Christopher O’Connor
	Title:	 	SMD

 [Execution Page 3 of 3] 
  

 E-3 

 EXHIBIT A 
 Standard Trust Terms 
 As filed as Exhibit 4.6 to the Registration Statement on Form S-3 (File No. 333-128718), filed
by Genworth Life and Annuity Insurance Company with the Securities and Exchange Commission (the “Commission”) on September 30, 2005, as amended by Amendment No. 1, filed with the Commission on December 8, 2005. 

 

 A-1 

 EXHIBIT B 
 Standard Indenture Terms 
 As filed as Exhibit 4.1 to the Registration Statement on Form S-3 (File No. 333-128718),
filed by Genworth Life and Annuity Insurance Company with the Securities and Exchange Commission (the “Commission”) on September 30, 2005, as amended by Amendment No. 1, filed with the Commission on December 8, 2005.

  

 B-1 

 EXHIBIT C 
 Pricing Supplement 
 As filed with the Securities and Exchange Commission pursuant to Rule 424(b) under the Securities Act,
dated as of March 16, 2006, with respect to the Notes to be issued by the Trust. 
  

 C-1 

 EXHIBIT D 
 Genworth Life and Annuity Insurance Company 
 Officer’s Certificate 
 The undersigned, an officer of Genworth Life and Annuity Insurance Company, a stock life insurance company operating under a charter granted by the
Commonwealth of Virginia (“GLAIC”), does hereby certify to Standard & Poor’s Ratings Services, a division of The McGraw-Hill Companies, Inc., in such capacity and on behalf of GLAIC, to the knowledge of the undersigned and
after reasonable inquiry, that: 
  

	 	1.	each of the representations and warranties of GLAIC contained in each Expense and Indemnity Agreement entered into in connection with the Registration Statement (defined below), and
each Funding Agreement issued in connection with the Program (the “Specified Agreements”) (other than any representation or warranty expressly made as of a date prior to the date hereof) are true and correct on and as of the date hereof,
with the same effect as though such representation or warranty had been made on and as of the date hereof; 

  

	 	2.	no default under any of the Specified Agreements and no event or any condition which, with notice or lapse of time or both, would become a default, has occurred and is continuing as
of the date hereof; 

  

	 	3.	GLAIC has performed and complied with, in all material respects, all of the agreements, covenants, obligations and conditions applicable to GLAIC required by the Specified
Agreements to be performed or complied with by GLAIC on or before the date hereof; 

  

	 	4.	the Registration Statement filed on Form S-3 (File No. 333-128718) (the “Registration Statement”) by GLAIC has been declared effective by the Securities and Exchange
Commission (the “Commission”) under the Securities Act of 1933, as amended (the “Act”) and no stop order suspending the effectiveness of the Registration Statement has been issued and no proceedings for that purpose have been
commenced by or are pending before or contemplated by the Commission; 

  

	 	5.	all filings, if any, required by Rule 424 and Rule 430A under the Act have been made in a timely manner; 

  

	 	6.	since [·]1, the Trusts organized in connection with the program contemplated by the Registration Statement have issued the following series of Notes:

 [List each series of Notes] [(collectively, the “Designated Notes”)]; and 
  

	 	7.	the Funding Agreements issued in connection with the Designated Notes have been executed and delivered by GLAIC in accordance with the terms and conditions of the Program Documents.

  

	1	This certificate to be signed quarterly. 

  

 D-1 

 Capitalized terms used herein and not otherwise defined herein shall have the meanings set forth in the
Standard Indenture Terms attached as Exhibit 4.1 to the Registration Statement. 
 IN WITNESS WHEREOF, the undersigned has executed this
Certificate as of the [•] day of [•] 200[•]. 
  

			
	[Name], in [his/her] capacity as an authorized officer of Genworth Life and Annuity Insurance Company
		
	By:	 	  

	Name:	 	
	Title:	 	

  

 D-2 

 EXHIBIT E 
 Genworth Global Funding Trusts 
 Trustee Officer’s Certificate 
 The Bank of New York, not in its individual capacity but solely in its capacity as trustee acting on behalf of each common law trust organized under the
laws of the State of Illinois (in such capacity, the “Trustee,” and each such common law trust being referred to herein as a “Trust”) in connection with the program contemplated by the Registration Statement filed on Form S-3
(File No. 333-128718) by Genworth Life and Annuity Insurance Company with the Securities and Exchange Commission (the “Commission”) on September 30, 2005, as amended by Amendment No. 1, filed with the Commission on
December 8, 2005 (the “Registration Statement”), does hereby certify to Standard & Poor’s Ratings Services, a division of The McGraw-Hill Companies, Inc., in such capacity and on behalf of each Trust, to the knowledge of
the Trustee without any independent investigation, that: 
  

	 	1.	each of the representations and warranties of each Trust contained in the Notes issued in connection with the Program, each Indenture entered into in connection with the
Registration Statement and the Expense and Indemnity Agreement concerning the Trusts (the “Specified Agreements”) (other than any representation or warranty expressly made as of a date prior to the date hereof) are true and correct on and
as of the date hereof, with the same effect as though such representation or warranty had been made on and as of the date hereof; 

  

	 	2.	no default under any of the Specified Agreements and no event or any condition which, with notice or lapse of time or both, would become a default, has occurred and is continuing as
of the date hereof; 

  

	 	3.	each Trust has performed and complied with, in all material respects, all of the agreements, covenants, obligations and conditions applicable to such Trust required by the Specified
Agreements to be performed or complied with by such Trust on or before the date hereof; 

  

	 	4.	the Notes issued in connection with the Program have been issued, in all material respects, in accordance with the terms and conditions of the Program Documents; and

  

	 	5.	each Funding Agreement has been executed and delivered by the related Trust in accordance with the terms and conditions of the Program Documents. 

 Capitalized terms used herein and not otherwise defined herein shall have the meanings set forth in the Standard Indenture Terms attached as Exhibit 4.1
to the Registration Statement. In no event shall The Bank of New York in its personal corporate capacity (or any officer of the Trustee in his or her personal capacity) have any liability for any of the certifications or statements contained in this
Trustee Officer’s Certificate, such liability being solely that of each Trust. 
  

 E-1 

 IN WITNESS WHEREOF, the undersigned has executed this Certificate as of the [•] day of [•],
200[•]. 
  

			
	The Bank of New York, not in its individual capacity but solely in its capacity as Trustee acting on behalf of each Trust
		
	By:	 	  

	Name:	 	
	Title:	 	

  

 E-2 

 SCHEDULE I 
 Terms Agreement Specifications 
 In connection with Section 3(a)(iv) of the Distribution Agreement, the Program under
which the Notes are issued is rated Aa3 by Moody’s Investors Service, Inc. (“Moody’s”) and AA- by Standard & Poor’s Rating Services, a division of The McGraw-Hill Companies, Inc. (“S&P”). Genworth Life
and Annuity Insurance Company (“GLAIC”) expects that the Notes will be rated Aa3 by Moody’s and AA- by S&P. GLAIC’s financial strength rating is Aa3 by Moody’s and AA- by S&P. 
 In accordance with Section 2.02(b) of the Terms Agreement and in connection with the purchase of Notes from the Trust by the Agent(s) as principal, the following
items will be delivered on or prior to the Settlement Date: None. 
 All capitalized terms used herein and not otherwise defined herein will
have the meanings set forth in the Distribution Agreement. 
  

 I-1

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