Document:

EX-10.1

AMENDMENT NO. 2

THIS AMENDMENT NO. 2 dated as of May 10, 2005 (this “Amendment”) of that certain
Credit Agreement referenced below is by and among AMERIGROUP CORPORATION, a Delaware corporation
(the “Borrower”), the Guarantors and the Lenders identified on the signature pages hereto
and BANK OF AMERICA, N.A., as Administrative Agent. Capitalized terms used but not otherwise
defined herein shall have the meanings provided in the Credit Agreement.

W I T N E S S E T H

WHEREAS, a $95 million revolving credit facility has been established in favor of the Borrower
pursuant to the terms of that Amended and Restated Credit Agreement dated as of October 22, 2003
(as amended and modified, the “Credit Agreement”) among the Borrower, the Guarantors, the
Lenders identified therein, and Bank of America, N.A., as Administrative Agent;

WHEREAS, the Borrower has requested certain modifications to the terms of the Credit
Agreement, including, but not limited to, an increase in commitments, a reduction in pricing, and
an extension of the tenor thereunder; and

WHEREAS, the Lenders have agreed to the requested modifications on the terms and conditions
set forth herein;

NOW, THEREFORE, in consideration of these premises and other good and valuable consideration,
the receipt and sufficiency of which is hereby acknowledged, the parties agree as follows:

SECTION 1 Amendments to the Credit Agreement. The Credit Agreement is hereby amended
in the following respects:

1.1 Defined Terms.

(a) The following defined terms are added to Section 1.01 or, if already defined
therein, amended to read as follows:

“Amendment No. 2 Effectiveness Date” means May 10, 2005.”

“Consolidated EBITDA” means, for any period for the Consolidated Group,
the sum of (a) Consolidated Net Income, plus (b) to the extent deducted in
determining net income, (i) Consolidated Interest Expense, (ii) taxes, (iii)
depreciation and amortization, and (iv) non-cash charges relating to equity
compensation, in each case on a consolidated basis determined in accordance with
GAAP. Except as otherwise expressly provided, the applicable period shall be for
the four consecutive fiscal quarters ending as of the date of determination.

“ESPP Shares” means shares of the common stock of the Borrower under
the Amerigroup Corporation Employee Stock Purchase Plan effective November 6, 2001.

“Statutory Net Worth” means, for an HMO Subsidiary, the difference
between (i) total admitted assets and (ii) total liabilities, in each case as
calculated according to the applicable state’s interpretation of SAP.

“Operating Lease” means an operating lease determined in accordance
with GAAP.

“Termination Date” means May 10, 2010.

(b) In the definition of “Applicable Percentage”:

(i) The pricing grid is amended to read as follows:

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	Eurodollar Rate Loans and	 	 
	Pricing Level	 	Consolidated Leverage Ratio	 	Base Rate Loans	 	Letter of Credit Fees	 	Commitment Fee
	1

	 	<0.5:1.0
	 	 	0	%	 	 	0.875	%	 	 	0.200	%
	 

	 	 
	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	2

	 	> 0.5:1.0 but < 1.0:1.0
	 	 	0.250	%	 	 	1.125	%	 	 	0.250	%
	 

	 	 
	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	3

	 	> 1.0:1.0 but < 1.5:1.0
	 	 	0.500	%	 	 	1.375	%	 	 	0.250	%
	 

	 	 
	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	4

	 	> 1.5:1.0
	 	 	0.750	%	 	 	1.625	%	 	 	0.325	%
	 

	 	 
	 	 	 	 	 	 	 	 	 	 	 	 

(ii) The reference in the proviso to “Pricing Level 3” is amended to read
“Pricing Level 4”; and

(iii) The next to last sentence is amended to read as follows:

“The Applicable Percentage in effect for a period of six months
following the Amendment No. 2 Effectiveness Date shall be determined based
upon Pricing Level 2.”

(c) In the definition of “Borrower Cash Flow,” a new clause (g) is inserted immediately
following the last comma of the first sentence to read as follows:

“plus (g) cash proceeds from the exercise of stock options and ESPP
Shares, net of the aggregate amount attributed to share redemptions made with cash
proceeds from the exercise of stock options and ESPP Shares,”

(d) In the definition of “Borrower Fixed Charges,” the phrase “excluding share
redemptions made with cash proceeds from the exercise of stock options and ESPP Shares” is
inserted immediately following the reference to “Restricted Payments” in clause (d).

(e) The definition of “Consolidated Net Worth” is deleted.

(f) In the definition of “Restricted Payment”:

(i) Clause (a) is amended by deleting the word “or” in front of the phrase
“to the holders, in their capacity as such,”; and

(ii) Clause (b) is amended to read as follows:

“(b) any redemption, retirement, sinking fund or similar payment,
purchase or other acquisition for value, direct or indirect, or any shares
of any class of Capital Stock of any member of the Consolidated Group now or
hereafter outstanding (other than share redemptions made with cash proceeds
from the exercise of stock options and ESPP Shares), and”

1.2 References to Agreements and Laws. Section 1.05 is amended by inserting the
phrase “including Schedules thereto” at the end of the parenthetical.

1.3 Increase in Commitments. Section 2.01 is amended in the following respects:

(a) Aggregate Revolving Committed Amount. In paragraph (a)(i), the reference
to “NINETY-FIVE MILLION DOLLARS ($95,000,000)” is amended to read “ONE HUNDRED FIFTY MILLION
DOLLARS ($150,000,000)”;

(b) Swing Line Sublimit. In paragraph (c)(i), the reference to “FIVE MILLION
DOLLARS ($5,000,000)” is amended to read “TEN MILLION DOLLARS ($10,000,000)”; and

(c) Increase in Revolving Commitments. In paragraph (d), the reference to “ONE
HUNDRED TWENTY-FIVE MILLION DOLLARS ($125,000,000)” is amended to read “TWO HUNDRED MILLION
DOLLARS ($200,000,000).”

1.4 Mandatory Prepayments. In Section 2.06(b), clauses (ii), (iii), and (iv) are
deleted.

1.5 Remedies. In Section 4.05, the references to “Section 10.02” are amended to read
“Section 9.02.”

1.6 No Material Adverse Effect. In Section 6.02, the reference to “December 31, 2002”
is amended to read “December 31, 2004.”

1.7 Certificates; Other Information. In Section 7.02(b), the reference to “10% of the
Company Action Level or the relevant state’s risk-based capital threshold, as applicable, (in each
case as determined in accordance with SAP at the immediately preceding fiscal year-end
determination thereof) of such HMO Subsidiary” is amended to read as follows:

“the greater of 10% of the HMO Subsidiary’s applicable Statutory Net Worth requirement
or $10 million in any fiscal year (in each case as determined in accordance with SAP at the
immediately preceding fiscal year-end determination thereof)”

1.8 Investments. In Section 8.02(n), clauses (ix) and (x) are amended to read as
follows:

“(ix) with respect to any Acquisition (or series of related Acquisitions) for which the
aggregate consideration (including cash and non-cash consideration, the maximum amount of
any contingent payment (including, without limitation, obligations to make earn-out
payments), the fair value of any Capital Stock of the Borrower issued in connection
therewith, and Indebtedness assumed) paid in connection therewith exceeds $50 million, the
compliance certificate delivered by the Borrower in connection therewith shall demonstrate
all of the following on a Pro Forma Basis after giving effect thereto: (A) the maintenance
of a Consolidated Leverage Ratio of no greater than 2.0:1.0; (B) that no Default or Event of
Default shall exist; and (C) after giving effect to all borrowings hereunder related to such
Acquisition (or series of related Acquisitions), minimum unused availability of at least $25
million shall exist hereunder, and

(x) without the prior consent of the Required Lenders, the total cash consideration
(including any assumption of Indebtedness and, with respect to the Person to be acquired,
the amount (as determined by the Borrower in good faith at the time of such Acquisition) of
projected capital infusions required by Governmental Authorities or necessary in order to
maintain compliance with the provisions of this Credit Agreement as of the end of such
fiscal year) shall not exceed (A) $100 million (excluding for purposes of such calculation
the fair market value of any Capital Stock of any member of the Consolidated Group issued as
part of the consideration therefor) in any instance with respect to any such Acquisition (or
series of related Acquisitions) and (B) $125 million (excluding for purposes of such
calculation the fair market value of any Capital Stock of any member of the Consolidated
Group issued as part of the consideration therefor) in the aggregate for all such
Acquisitions in any given fiscal year; and”

1.9 Indebtedness. Section 8.03 is amended in the following respects:

(a) In paragraph (c), the reference to “Section 8.6” is amended to read “Section 8.08”;
and

(b) At the end of paragraph (i), “and” is deleted, the period at the end of paragraph
(j) is replaced with “; and”, and a new paragraph (k) is inserted as follows:

“(k) unsecured Indebtedness under a shelf registration in an aggregate
principal amount up to $400 million, provided that (A) such obligations
shall: (i) mature no earlier than May 1, 2010; (ii) not provide for any scheduled
payments of principal prior to maturity; (iii) be expressly subordinated in right of
payment to the prior payment of the Loans and Obligations hereunder and the other
Credit Documents, irrespective of any amendment, modification, extension, renewal or
refinancing thereof; (iv) provide that upon the occurrence and continuance of an
Event of Default hereunder, the Borrower shall cease making payments due on such
obligations without any right of acceleration or other action against the Borrower
(the “Payment Blockage”); provided however, that in the case of an
occurrence and continuance of an Event of Default described in paragraphs (b)
through (n), inclusive, of Section 9.01 hereof (a “Blockage Default”), the terms of
such obligations may provide that the Borrower shall be permitted to resume payments
due on such obligations upon the earlier of the date such Blockage Default is cured
or waived or ceases to exist or 179 days after notice of such Blockage Default is
provided to the representative of such obligations (the period during which the
Payment Blockage is in effect, the “Payment Blockage Period”); provided
further, that the terms of such obligation may provide that the total number of
days of any Payment Blockage Period may not exceed 179 days in the aggregate during
any 360 consecutive day period (it being understood that for purposes of this clause
(iv), no Blockage Default that existed or was continuing on the date of the
commencement of any Payment Blockage Period shall be the basis of the commencement
of a subsequent Payment Blockage Period, whether or not within a period of 360
consecutive days, unless such Blockage Default shall have been cured or waived for a
period of not less than 90 days); and (B) the Borrower shall have delivered to the
Administrative Agent a compliance certificate demonstrating all of the following on
a Pro Forma Basis after giving effect thereto: (i) the Consolidated Leverage Ratio
is no greater than 2.0:1.0; (ii) compliance with the financial covenants hereunder
and reaffirming that the representations and warranties made hereunder are true and
complete in all material respects as of such date; and (iii) that no Default or
Event of Default exists.”

1.10 Mergers and Dissolutions. Section 8.04 is amended in the following respects:

	 	(a)	 	In paragraph (a), the phrases “other than to the Borrower” are
deleted; and

(b) At the end of paragraph (e), the period is replaced with “; or”, and a new
paragraph (f) is inserted to read as follows:

“(f) PHP Holdings, Inc. (“PHP”) may be a party to a merger or consolidation
with AMERIGROUP FLORIDA, INC. (“AMERIGROUP Florida”) or another HMO Subsidiary,
provided that AMERIGROUP Florida or such other HMO Subsidiary shall be the
surviving entity.”

1.11 Restricted Payments. In Section 8.06, the reference to “$1 million” is amended
to read “$15 million”.

1.12 Modifications in respect of Funded Debt. Section 8.07(b) is amended by inserting
at the end of that sentence the phrase “in a manner adverse to the interests of the Lenders;”

1.13 No Further Negative Pledges. Section 8.11 is amended to read as follows:

“8.11 No Further Negative Pledges. Create or otherwise cause or suffer to
exist or become effective any encumbrance or restriction on the ability of any Subsidiary of
the Borrower to (a) pay dividends or make any other distributions on its Capital Stock or
with respect to any other interest or participation in, or measured by, its profits to the
Borrower or any other Subsidiary of the Borrower, (b) pay any Indebtedness or other
obligation to the Borrower or any other Subsidiary of the Borrower, (c) make loans, advances
or capital contributions to the Borrower or any other Subsidiary of the Borrower, (d) sell,
lease or otherwise transfer any of its properties or assets to the Borrower or any other
subsidiary of the Borrower, or (e) act as a Guarantor or grant a Lien on or a pledge of its
assets in connection with Indebtedness under the Credit Documents, except, in each case, for
such encumbrances or restrictions existing under or by reason of (i) this Credit Agreement
and the other Credit Documents; (ii) pursuant to the terms of any Indebtedness in respect of
purchase money obligations permitted by Section 8.03(g) to the extent such
limitations relate only to the property that is the subject of such financing; (iii)
applicable law; (iv) pursuant to the terms of any existing Indebtedness as in effect on the
date hereof and refinancings, refunding, renewals or extensions thereof permitted under the
Credit Agreement; (v) purchase and sale agreements limiting the transfer of the subject
assets pending closing; (vi) agreements relating to assets acquired by the Borrower or a
Subsidiary in a transaction permitted under the Credit Agreement; provided that such
agreements existed at the time of such acquisition, were not put into place in anticipation
of such acquisition and are not applicable to any assets other than the assets so acquired;
(vii) any agreement in effect with respect to a Subsidiary at the time such Subsidiary
becomes a Subsidiary of the Borrower; provided that such agreement existed at the time of
such acquisition and was not put into place in anticipation of such acquisition and is not
applicable to any Person other than the Person so acquired; (viii) customary provisions
restricting subletting, assignments or other transfers in leases, licenses and other
contracts entered in the ordinary course of business; and (ix) agreements with respect to
Indebtedness secured by Liens permitted by Section 8.01 that restrict the ability to
transfer the assets securing such Indebtedness.”

1.14 Ownership of Subsidiaries; Limitations on Borrower. Section 8.12(b) is amended
in the following respects:

(a) the references to “the Borrower” in clauses (i) and (iii)(A) are amended to read
“its Subsidiaries”; and

	 	(b)	 	the reference to “Guarantor” in clause (iii)(B) is amended to
read “borrower”.

	 	1.15	 	Financial Covenants. Section 8.15 is amended in the following
respects:

(a) Paragraph (c) entitled “Consolidated Net Worth” is deleted and a new paragraph (c)
is inserted to read as follows:

“(c) Statutory Net Worth Ratio. As of the end of each fiscal quarter,
the Borrower will maintain:

(i) For HMO Subsidiaries operating in states that require Risk-Based
Capital reporting:

(A) With respect to HMO Subsidiaries operating in states in
which regulatory action may be taken against an HMO that does not
maintain a minimum Statutory Net Worth threshold at a level equal
to or greater than Company Action Level, such HMO Subsidiary
shall maintain a ratio of Statutory Net Worth to Company Action
Level Risk-Based Capital at a level no less than 1.1:1.0;

(B) With respect to other HMO Subsidiaries, each such HMO
Subsidiary shall maintain a ratio of Statutory Net Worth to the
applicable state’s Statutory Net Worth requirement at a level no
less than 1.15:1.0, provided that in no event will the
amount required pursuant to this clause (B) be greater than the
amount which would be required if clause (A) above were
applicable to such HMO Subsidiary; and

(ii) For HMO Subsidiaries operating in states that do not require
Risk-Based Capital reporting, each such HMO Subsidiary shall maintain a
ratio of Statutory Net Worth to the applicable state’s Statutory Net Worth
requirement at a level equal to or greater than 1:15:1.0, provided
that in no event will the amount required pursuant to this clause (ii) be
greater than the amount which would be required if clause (i)(A) above were
applicable to such HMO Subsidiary;

provided in each case that, so long as each HMO Subsidiary maintains at
least the applicable minimum Statutory Net Worth threshold of the state in which it
operates, (A) unrestricted cash-on-hand held by the Borrower and (B) any unused
availability hereunder may be included in the computation of Statutory Net Worth if
necessary to comply with the applicable Statutory Net Worth ratio. Compliance with
the Statutory Net Worth Ratio will be determined at the end of each fiscal quarter
(using as the denominator in each case, for the first three quarters of each year,
the prescribed level as of the end of the preceding fiscal year, and for the last
fiscal quarter of each year, the prescribed level as of the end of such fiscal
year).”

(b) Paragraph (d) is deleted; and

(c) Paragraph (e) is renumbered to be paragraph (d).

1.16 Events of Default. Section 9.01 is amended in the following respects:

(a) The references in paragraphs (e) and (i) to “$5 million” are each amended to read
“$10 million”; and

(b) The reference in paragraph (h) to “$5 million” is amended to read “$15 million.”

1.17 Successors and Assigns. In Section 11.07(b)(iv), the reference to “$3,500” is
amended to read “$2,500”.

1.18 Miscellaneous. Article XI is amended in the following respects:

	 	(a)	 	In paragraph (b) of Section 11.18, the phrase “Charlotte, North
Carolina” is amended to read “New York, New York”; and

(b) A new Section 11.22 is added to read as follows:

“11.22 Release of PHP. Notwithstanding anything herein or in the other
Credit Documents to the contrary, upon the merger or consolidation of PHP with AMERIGROUP
Florida or another HMO Subsidiary pursuant to Section 8.04(f) hereof, the Lenders hereby (A)
release, without further action or consent, PHP from its obligations and liabilities as (i)
a Guarantor under Article IV hereof, (ii) a grantor under the Security Agreement, and (iii)
a pledgor under the Pledge Agreement, (B) release their Lien in the Collateral pledged by
PHP under the Collateral Documents, and (C) authorize the Administrative Agent and
Collateral Agent to, and the Administrative Agent and Collateral Agent shall, execute any
documents reasonably required in order to effectuate and evidence such releases.

1.19 Schedule 2.01 (Commitments) is amended and restated to read as attached hereto.

1.20 Schedule 6.08 (Litigation) is amended and restated to read as attached hereto.

1.21 Schedule 6.11 (Intellectual Property) is amended and restated to read as
attached hereto.

1.22 Schedule 6.16 (Subsidiaries) is amended and restated to read as attached hereto.

1.23 Schedule 6.23(a) (Real Property) is amended and restated to read as attached
hereto.

1.24 Schedule 6.23(b) (Tangible Personal Property) is amended and restated to read as
attached hereto.

1.25 Schedule 6.23(c) (Chief Executive Office and Principal Place of Business) is
amended and restated to read as attached hereto.

1.26 Schedule 11.02 (Certain Notice Addresses) is amended and restated to read as
attached hereto.

2. Conditions Precedent. This Amendment shall be effective immediately upon receipt
by the Administrative Agent of all of the following, each in form and substance reasonably
satisfactory to the Administrative Agent and the Lenders:

(a) Executed Amendment. Counterparts of this Amendment duly executed by the
Credit Parties and the Lenders.

(b) Secretary’s Certificate. A duly executed certificate of a Responsible
Officer of each Credit Party, attaching each of the following documents and certifying that
each is true, correct and complete and in full force and effect as of the Amendment No. 2
Effectiveness Date:

(i) Charter Documents. Copies of the articles of incorporation of such
Credit Party, certified to be true, correct and complete as of a recent date by the
appropriate Governmental Authority of the jurisdiction of its organization or
formation;

(ii) Bylaws. Copies of the bylaws of such Credit Party.

(iii) Resolutions. Copies of the resolutions of such Credit Party
approving and adopting this Amendment, the transactions contemplated therein, and
authorizing the execution and delivery thereof;

(iv) Incumbency. Incumbency certificates identifying the Responsible
Officers of each Credit Party who are authorized to execute this Amendment and
related documents and to act on such Credit Party’s behalf in connection with this
Amendment and the Credit Documents; and

(v) Good Standing Certificates. A certificate of good standing or the
equivalent, certified as of a recent date by the appropriate Governmental Authority,
from each Credit Party’s jurisdiction of incorporation and each other jurisdiction
where failure to so qualify would reasonably be expected to result in a Material
Adverse Effect.

(c) Legal Opinions. Opinions of legal counsel to each Credit Party opining,
among other things, on the enforceability of this Amendment.

(d) Fees. Payment of all fees, including the amendment fee of 50 bps (0.50%)
payable to each of the Lenders consenting to this Amendment on the aggregate amount of their
respective Revolving Commitment, due in connection herewith, which fees shall be deemed
fully earned and due and payable on the effective date of this Amendment.

3. Effectiveness of Amendment. On and after the Amendment No. 2 Effectiveness Date,
all references to the Credit Agreement in each of the Credit Documents shall hereafter mean the
Credit Agreement as amended by this Amendment. Except as specifically amended hereby or otherwise
agreed, the Credit Agreement is hereby ratified and confirmed and shall remain in full force and
effect according to its terms.

4. Representations and Warranties; Defaults. The Borrower affirms the following:

(a) all necessary action to authorize the execution, delivery and performance of this
Amendment has been taken;

(b) after giving effect to this Amendment, the representations and warranties set forth
in the Credit Agreement and the other Credit Documents are true and correct in all material
respects as of the date hereof (except those which expressly relate to an earlier period);
and

(c) before and after giving effect to this Amendment, no Default or Event of Default
shall exist.

5. Full Force and Effect. Except as modified hereby, all of the terms and provisions
of the Credit Agreement and the other Credit Documents (including schedules and exhibits thereto)
shall remain in full force and effect.

6. Expenses. The Borrower agrees to pay all reasonable costs and expenses of the
Administrative Agent in connection with the preparation, execution and delivery of this Amendment,
including the reasonable fees and expenses of Moore & Van Allen, PLLC.

7. Counterparts. This Amendment may be executed in any number of counterparts, each
of which when so executed and delivered shall be deemed an original, and it shall not be necessary
in making proof of this Amendment to produce or account for more than one such counterpart.
Delivery by any party hereto of an executed counterpart of this Amendment by facsimile shall be
effective as such party’s original executed counterpart and shall constitute a representation that
such party’s original executed counterpart will be delivered.

8. Governing Law. This Amendment shall be deemed to be a contract made under, and for
all purposes shall be construed in accordance with, the laws of the State of New York applicable to
agreements made and to be performed entirely within such state. Any legal action or proceeding
with respect to this Amendment or any other Credit Document may be brought in the state or federal
courts sitting in New York, New York, and by execution and delivery of this Amendment, each Credit
Party, the Administrative Agent, the Collateral Agent and each Lender consents, for itself and in
respect of its property, to the non-exclusive jurisdiction of those courts. Each Credit Party, the
Administrative Agent, the Collateral Agent and each Lender irrevocably waives any objection,
including any objection to the laying of venue or based on the grounds of forum non conveniens,
that it may now or hereafter have to the bringing of any action or proceeding in such jurisdiction
in respect of any Credit Document or other document related thereto. Each Credit Party, the
Administrative Agent, the Collateral Agent and each Lender waives personal service of any summons,
complaint or other process, that may be made by any other means permitted by the law of such state.

[remainder of page intentionally left blank]

1

IN WITNESS WHEREOF, each of the parties hereto
has caused a counterpart of this Amendment to be duly executed and delivered as of the date first
above written.

	 	 	 	 	 
	BORROWER:

	 	AMERIGROUP CORPORATION,
	 	

	 

	 	

	 	

	
 
	 	a Delaware corporation
	 	

	 
	 	 	 	 
	
 
	 	By:
	 	/s/ Stanley F. Baldwin
	
 
	 	 	 	 

	 	 	 	Name: Stanley F. Baldwin

Title: Executive Vice President, General Counsel and Secretary

	 	 	 	 	 
	GUARANTORS:

	 	PHP HOLDINGS, INC.,
	 	

	 

	 	

	 	

	
 
	 	a Florida corporation
	 	

	 
	 	 	 	 
	 	 	By:___/s/ Stanley F. Baldwin __________________________

	 
	 	 	 	 
	 	 	 

	 
	 	 	 	 
	
 
	 	Name: Stanley F. Baldwin
	 	

	 
	 	 	 	 
	 	 	Title: Chief Operating Officer, President and Secretary

	 
	 	 	 	 
	AGENT:	 	BANK OF AMERICA, N.A., in its capacity as

	 
	 	 	 	 
	 

	 	

	 	

	 
	 	 	 	 
	 	 	Administrative Agent and Collateral Agent

	 
	 	 	 	 
	
 
	 	By:
	 	/s/ Amie L. Edwards
	
 
	 	 	 	 

	 	 	 	Name: Amie L. Edwards

Title: Vice President

LENDERS:            BANK OF AMERICA, N.A., in its capacity as Lender,

?vspace?
---------------

?vspace?

                           L/C Issuer, Lender and Swing Line Lender

?vspace?

                           By:                                  /s/ Amie L. Edwards
                                                                -------------------------

	 	 	 	Name: Amie L. Edwards

Title: Vice President

CIBC INC.

By: /s/ George Knight

	 	 	 	Name: George Knight

Title: Managing Director

CREDIT SUISSE FIRST BOSTON, acting through its Cayman Islands
Branch

By: /s/ David Dodd

	 	 	 	Name: David Dodd

Title: Vice President

By: /s/ Karim Blasetti

	 	 	 	Name: Karim Blasetti

Title: Associate

WACHOVIA BANK, NATIONAL ASSOCIATION

By: /s/ Timothy F. Galage

	 	 	 	Name: Timothy F. Galage

Title: Senior Vice President

THE BANK OF NEW YORK

By: /s/ William M. Barnum, Jr.

	 	 	 	Name: William M. Barnum. Jr.

Title: Vice President

BRANCH BANKING & TRUST COMPANY OF VIRGINIA

By: /s/ C. Marcus Boggs, Jr. 

	 	 	 	Name: C. Marcus Boggs, Jr.

Title: Senior Vice President

FIRST TENNESSEE BANK NA

By: /s/ John C. Fox

	 	 	 	Name: John C. Fox

Title: Executive Vice President

LASALLE BANK NATIONAL ASSOCIATION

By: /s/ Vanessa R. Garza

	 	 	 	Name: Vanessa R. Garza

Title: Commercial Banking Officer

REGIONS BANK

By: /s/ Robert Y. Bennett

	 	 	 	Name: Robert Y. Bennett

Title: Senior Vice President

SUNTRUST BANK

By: /s/ David P. Singleton

	 	 	 	Name: David P. Singleton

Title: Managing Director

UBS LOAN FINANCE LLC

By: /s/ Wilfred V. Saint

	 	 	 	Name: Wilfred V. Saint

Title: Director

By: /s/ Joselin Fernandes

	 	 	 	Name: Joselin Fernandes

Title: Associate Director

2

Schedules intentionally omitted

3EX-10.1

Exhibit 10.1

SYMBOL TECHNOLOGIES, INC.

SENIOR EXECUTIVE CHANGE IN CONTROL POLICY

1. Purposes. Effective as of May 9, 2005, Symbol Technologies, Inc., a
Delaware corporation (the “Company”) has adopted this Senior Executive Change in Control
Policy (as it may be amended from time to time, the “Policy”). The Compensation Committee
of the Board (the “Committee”) recognizes that, as is the case for most publicly held
companies, the possibility of a Change in Control (as defined below) exists, and the Company wishes
to ensure that the Eligible Employees are not practically disabled from discharging their duties in
respect of a proposed or actual transaction involving a Change in Control. Accordingly, the
Company wishes to provide additional inducement for certain Eligible Employees (as defined below)
to continue to remain in the employ of the Company and to provide certain severance benefits to
Eligible Employees in the event that their employment is terminated under certain circumstances
related to a Change in Control.

2. Certain Defined Terms. In addition to terms defined elsewhere herein,
the following capitalized terms have the following meanings when used herein: 

(a) “Affiliate” shall mean with respect to any Person, any other Person
directly or indirectly, through one or more intermediaries, controlling, controlled by, or under
common control with, such Person. For purposes of this Section 2(a), “control” shall have the
meaning given such term under Rule 405 of the Securities Act of 1933, as amended.

(b) “Board” shall mean the Board of Directors of the Company.

(c) “Cause” shall mean (i) an Eligible Employee’s failure to attempt in
good faith to substantially perform his duties or responsibilities (other than any such failure
resulting from an Eligible Employee’s physical or mental incapacity) which is not remedied within
30 days after receipt of written notice from the Company specifying such failure; (ii) an Eligible
Employee’s failure to attempt in good faith to carry out, or comply with, in any material respect
any lawful and reasonable written directive of his immediate supervisor, the Company’s Chief
Executive Officer, or the Board or an Eligible Employee’s willful material violation of the
Company’s Statement of Corporate Policy and Code of Conduct, in either case which is not remedied
within 30 days after receipt of written notice from the Company specifying such failure or
violation; (iii) an Eligible Employee’s indictment for, conviction of, or plea of no contest to, or
imposition of unadjudicated probation for any felony (or any other crime involving fraud,
embezzlement, misappropriation or moral turpitude having a material adverse impact on the Company),
other than as a result of vicarious liability or as a result of a traffic violation; (iv) an
Eligible Employee’s unlawful use (including being under the influence) or possession of illegal
drugs on the Company’s premises or while performing his duties and responsibilities; or (v) an
Eligible Employee’s intentional commission at any time of any act of fraud, embezzlement,
misappropriation, or breach of fiduciary duty against the Company that has a material adverse
effect on the Company or that renders an Eligible Employee unable to perform any of his material
duties hereunder.

(d) “Change in Control” shall mean:

(i) A Person (which term, when used in this Section 2(d), shall not include the
Company, any underwriter temporarily holding securities pursuant to an offering of such securities,
any trustee or other fiduciary holding securities under an employee benefit plan of the Company, or
any Company owned, directly or indirectly, by the stockholders of the Company in substantially the
same proportions as their ownership of Voting Stock of the Company) is or becomes, without the
prior consent of a majority of the Continuing Directors, the beneficial owner (as defined in Rule
13d-3 promulgated under the Securities Exchange Act of 1934, as amended), directly or indirectly,
of Voting Stock representing, without the prior written consent of a majority of the Continuing
Directors twenty-five percent (25%) (or, even with such prior consent, forty percent (40%)) or more
of the combined voting power for election of directors of the Company’s then outstanding
securities; or

(ii) The Company consummates a reorganization, merger or consolidation of the
Company (which prior to the date of such consummation has been approved by the Company’s
stockholders) or the Company sells, or otherwise disposes of, all or substantially all of the
Company’s property and assets (other than a reorganization, merger, consolidation or sale which
would result in all or substantially all of the beneficial owners of the Voting Stock of the
Company outstanding immediately prior thereto continuing to beneficially own, directly or
indirectly (either by remaining outstanding or by being converted into voting securities of the
resulting entity), more than fifty percent (50%) of the combined voting power of the voting
securities of the Company or such entity resulting from the transaction (including, without
limitation, an entity which as a result of such transaction owns the Company or all or
substantially all of the Company’s property or assets, directly or indirectly) outstanding
immediately after such transaction in substantially the same proportions relative to each other as
their ownership immediately prior to such transaction), or the Company’s stockholders approve a
liquidation or dissolution of the Company; or

(iii) The individuals who are Continuing Directors of the Company (as defined
below) cease for any reason to constitute at least a majority of the Board.

(e) “Code” shall mean Internal Revenue Code of 1986, as amended.

(f) “Continuing Director” shall mean (i) any member of the Board (other
than an employee of the Company) as of the effective date of this Policy or (ii) any person who
subsequently becomes a member of the Board (other than an employee of the Company) whose
appointment, election or nomination for election to the Board is recommended by a majority of the
Continuing Directors.

(g) Eligible Employee shall mean an employee of the Company selected by
the Committee to be covered by the Policy pursuant to Section 3 and listed on Exhibit A
hereto, as it may be amended from time to time.

(h) “Good Reason” shall mean any of the following events which is not
cured by the Company within 30 days after written notice thereof is provided to the Company by the
Eligible Employee: (i) any material reduction in the total amount of an Eligible Employee’s base
salary or target bonus; (ii) any material diminution in the nature or scope of an Eligible
Employee’s employment, responsibilities, duties or authority or the assignment to an Eligible
Employee of duties or responsibilities that are materially and adversely inconsistent with his then
position without the Eligible Employee’s consent; or (iii) any involuntary relocation of an
Eligible Employee’s principal place of business to a location more than 60 miles west or 20 miles
in any other direction from the Eligible Employee’s current principal place of business.

(i) “Person” shall mean an individual, partnership, corporation, business
trust, limited liability company, joint stock company, trust, unincorporated association, joint
venture, governmental authority or other entity of whatever nature.

(j) “Voting Stock” shall mean all capital stock of the Company which by
its terms may be voted on all matters submitted to stockholders of the Company generally.

3. Eligibility. The Committee, shall determine which employees of the
Company shall be Eligible Employees covered by the Policy. As of the effective date of the Policy,
all Eligible Employees are listed on Exhibit A. The Committee may, in its sole discretion,
at any time and from time to time, revise the list of individuals who are Eligible Employees by
adding additional Eligible Employees to, or removing any Eligible Employee from, the list of
Eligible Employees set forth on Exhibit A. Any Eligible Employee who is removed from
Exhibit A shall cease to be eligible for payments and benefits hereunder.

4. Certain Terminations In Connection With A Change In Control. If an
Eligible Employee’s employment shall terminate without Cause or for Good Reason during the period
commencing three months prior to, and ending 18-months after, a Change in Control, in any such
case, the Company shall (subject to the Eligible Employee’s execution of a separation and release
agreement in a form reasonably satisfactory to the Company):

(a) Pay to the Eligible Employee an amount equal to the product of (i) the sum of
his then current (A) annual base salary and (B) the target bonus payable to the Eligible Employee
pursuant to the Company’s performance-based compensation bonus plan with respect to the fiscal year
ending immediately prior to the date of termination, and (ii) 1.5; such amount shall be payable in
a lump sum as soon as reasonably practicable (x) if such termination of employment occurs on or
following the consummation of Change in Control, after the date of such termination of employment,
or (y) if such termination occurs prior to the consummation of the Change in Control, after the
effective date of such Change in Control (either such date, the “Vesting Date”), but in any
event, such payment shall be made within 2 1/2 months following the end of the calendar year in which
the Vesting Date occurs.

(b) Continue to provide the Eligible Employee (and his dependents) with all health
and welfare benefits and perquisites which he (or his dependents) was participating in or receiving
as of the date of termination (at a level then in effect with respect to coverage and employee
premiums) until the 18-month anniversary of the date of termination. If such benefits cannot be
provided under the Company’s programs, such benefits and perquisites will be provided on an
individual basis to the Eligible Employee such that his after-tax costs will be no greater than the
costs for such benefits and perquisites under the Company’s programs.

(c) Pay the Eligible Employee when bonuses are paid for the year of termination a
pro-rated amount of the Eligible Employee’s bonus for the fiscal year in which the date of
termination occurs equal to the product of (i) the amount of the bonus the Eligible Employee would
have otherwise earned had he been employed by the Company on the last day of the fiscal year in
which the date of termination occurs and (ii) the ratio of (A) the number of days elapsed during
such fiscal year prior to the date of termination to (B) 365; provided, however, that such payment
shall be made within 2 1/2 months following the end of the calendar year in which the Vesting Date
occurs.

(d) Unless otherwise provided by the Committee, accelerate the vesting, payment or
exercisability of all stock options and other equity-based compensation awards (“Time-Vesting
Awards”) held by the Eligible Employee that are otherwise eligible to become vested upon the
Eligible Employee’s continued employment and the passage of time and without the attainment by the
Company or the Eligible Employee of any performance goals; provided, however, that unless otherwise
provided by the Committee no stock options or other equity-based compensation awards that are
eligible to become exercisable, payable or vested (or which provide for accelerated exercisability,
payment or vesting (e.g.; the May 2004 LTIP awards)) due to the attainment of performance goals
(“Performance-Vesting Awards”) shall become exercisable, payable or vested pursuant to this
Section 4.

5. Parachute Payments.

(a) Notwithstanding Section 4 (but subject to Section 5(b)), in the event that an
Eligible Employee becomes entitled to any payments or benefits under this Policy and any portion of
those payments or benefits, when added to any other amount theretofore or thereafter payable to the
Eligible Employee as a result of or in connection with any Change in Control, whether or not under
any other plan, arrangement or agreement with the Company, any Person whose actions resulted in the
Change in Control or any Person having such a relationship with the Company or such Person as to
require attribution of stock ownership between the parties under Section 318(a) of the Code (the
“Aggregate Payments”), would be subject to the tax (the “Excise Tax”) imposed by
Section 4999 of the Code, then the payments or benefits under this Policy and, if applicable, any
other plan, arrangement or agreement shall be reduced (first by reducing the cash payments under
this Policy, then by reducing any fringe or other benefits required to be provided under this
Policy, and finally by reducing the payments and/or benefits under any other plan, arrangement or
agreement) to an amount which is ten dollars ($10.00) less than the amount of the Aggregate
Payments that could be made to the Eligible Employee before any portion of the Aggregate Payments
would be subject to the Excise Tax.

(b) Notwithstanding Section 5(a), the Aggregate Payments shall be reduced pursuant
to Section 5(a) only if the net after-tax amount received by the Eligible Employee after the
application of Section 5(a) is greater than the net after-tax amount (taking into account the
application of the Excise Tax) that the Eligible Employee would otherwise receive in connection
with the Change in Control without the application of Section 5(a).

(c) All determinations and calculations required to effectuate this Section 5
(including, without limitation, the determination as to whether any Aggregate Payments would be
subject to the Excise Tax and the amount of any reduction of the Aggregate Payments) shall be made
by the Company’s independent auditors (or another nationally recognized United States public
accounting firm selected in good faith by the Company) (the “Auditors”). For purposes of
making the calculations and determinations required by this Section 5, the Auditors may make
reasonable assumptions and approximations concerning applicable taxes and may rely on reasonable,
good faith interpretations concerning the application of Sections 280G and 4999 of the Code and the
Department of Treasury Regulations issued thereunder.

6. Successors.

(a) The Company will require any successor (whether direct or indirect, by
purchase, merger, consolidation, reorganization or otherwise, including, without limitation, any
successor due to a Change in Control) to the business or assets of the Company expressly to assume
this Policy and to perform in the same manner and to the same extent the Company would be required
to perform if no such succession had taken place. This Policy will be binding upon and inure to
the benefit of the Company and any successor to the Company, including, without limitation, any
persons directly or indirectly acquiring the business or assets of the Company in a transaction
constituting a Change in Control (and such successor shall thereafter be deemed the “Company” for
the purpose of this Policy), but will not otherwise be assignable, transferable or delegable by the
Company.

(b) This Policy will inure to the benefit of and be enforceable by the Eligible
Employees’ personal or legal representatives, executors, administrators, successors, heirs,
distributees and legatees.

(c) This Policy is personal in nature and neither the Company nor any Eligible
Employee shall, without the consent of the Company, assign, transfer or delegate any rights or
obligations hereunder except as expressly provided in Sections 6(a) and 6(b). Without limiting the
generality or effect of the foregoing, the Eligible Employee’s right to receive payments hereunder
will not be assignable, transferable or delegable, whether by pledge, creation of a security
interest, or otherwise, other than by a transfer by the Eligible Employee’s will or by the laws of
descent and distribution and, in the event of any attempted assignment or transfer contrary to this
Section 6(c), the Company shall have no liability to pay any amount so attempted to be assigned,
transferred or delegated.

7. Administration; ERISA. This Policy shall be administered by the
Committee (or the Committee’s delegate or successor). The Committee shall have the sole authority
to interpret this Policy and to determine all questions (whether of fact or interpretation) arising
in connection with this Policy. The Committee’s decisions shall be final and bind all parties.
This Policy shall constitute a “welfare plan” within the meaning of Section 3(1) of the Employee
Retirement Income Security Act of 1974, as amended (“ERISA”). This document, together
with the Summary Guide attached as Exhibit B hereto (which contains among other things a
statement of rights of Eligible Employees under ERISA, a description of the applicable claims
procedure, and a summary of certain other information related to the Policy), constitutes both the
plan document and the summary plan description as required by ERISA. The Committee shall be the
named fiduciary of this Policy for purposes of ERISA.

8. Notices. For all purposes of this Policy, all communications,
including without limitation notices, consents, requests or approvals, required or permitted to be
given hereunder will be in writing and will be deemed to have been duly given when hand delivered
or dispatched by electronic facsimile transmission (with receipt thereof orally confirmed), or five
business days after having been mailed by United States registered or certified mail, return
receipt requested, postage prepaid, or three business days after having been sent by a nationally
recognized overnight courier service such as FedEx, UPS, or DHL, addressed to the Company (to the
attention of the Secretary of the Company) at its principal executive office and to the Eligible
Employee at his principal residence, or to such other address as any party may have furnished to
the other in writing and in accordance herewith, except that notices of changes of address shall be
effective only upon receipt.

9. Validity. If any provision of this Policy or the application of any
provision hereof to any person or circumstances is held invalid, unenforceable or otherwise
illegal, the remainder of this Policy and the application of such provision to any other person or
circumstances will not be affected, and the provision so held to be invalid, unenforceable or
otherwise illegal will be reformed to the extent (and only to the extent) necessary to make it
enforceable, valid or legal.

10. Governing Law; Jurisdiction. The laws of the state of New York shall
govern the interpretation, validity and performance of the terms of this Policy, regardless of the
law that might be applied under principles of conflicts of law. Any suit, action or proceeding
against any Eligible Employee, with respect to this Policy, or any judgment entered by any court in
respect of any of such, may be brought in any court of competent jurisdiction in the State of New
York.

11. Relationship with Other Plans. Eligible Employees who receive
payments and benefits pursuant to this Policy shall not receive any other severance payments or
benefits pursuant to any other plan, policy, agreement or arrangement of the Company (including,
without limitation, the Symbol Severance Benefits Plan).

12. Amendment; Termination. The Company expressly reserves the right to
amend or terminate this Policy at any time in its sole discretion, prospectively or retroactively,
for any reason, without notice, including to discontinue or eliminate benefits; provided, however,
that during the period commencing upon the earlier of (a) the signing of a definitive agreement
that, if consummated, would result in a Change in Control, or (b) the filing of a tender offer with
the Securities and Exchange Commission that, if accepted, would result in a Change in Control,
(each, a “Triggering Event”) and ending upon the earlier of (x) the date on which the
Committee in its sole discretion determines that the Triggering Event will not actually result in a
Change in Control, or (y) the 18 month anniversary of the Change in Control, the Company or any
successor (whether direct or indirect, by purchase, merger, consolidation, reorganization or
otherwise, including, without limitation, any successor due to a Change in Control) to the business
or assets of the Company shall not amend or terminate this Policy, and shall not add any individual
to, or remove any individual from, the list of Eligible Employees maintained pursuant to Section 3.

13. Section 409A. This Policy is not intended to be subject to Section
409A of the Code (together with any Department of Treasury regulations and other interpretive
guidance issued thereunder, including without limitation any such regulations or other guidance
that may be issued after the date hereof, “Section 409A”). The Company may, in its
discretion, adopt such amendments to the Policy or adopt other procedures, or take any other
actions, as the Company determines are necessary or appropriate to exempt this Policy from Section
409A (or, if the Committee determines appropriate, to comply with the requirements of Section
409A), including without limitation amendments, procedures and action with retroactive effect.

* * * * *

I hereby certify that the forgoing Policy was duly adopted by the Committee as of the date
first above written.

Executed on this 10th day of May, 2005

/s/ Peter M. Lieb

	 	 	 	Secretary

1

Exhibit A

Eligible Employees

2

Exhibit B

SUMMARY GUIDE OF THE

SYMBOL TECHNOLOGIES, INC.

SENIOR EXECUTIVE CHANGE IN CONTROL POLICY

Please refer to the Senior Executive Change in Control Policy (the “Policy”) for a more
detailed description of your benefits under the Plan. This document, together with the Policy
(collectively, the “Plan”), constitutes both the Plan document and the Summary Plan
Description for the Plan as required by the Employee Retirement Income Security Act of 1974, as
amended (“ERISA”).

General Plan Information

Name of Plan: The Symbol Technologies, Inc. Senior Executive Change in Control Policy

Plan Sponsor’s Name and Address: Symbol Technologies, Inc.

One Symbol Plaza

Holtsville, New York 11742-1300

Employer Identification Number of the Plan Sponsor: 11-2308681

Plan Number: 2005-05-09

Type of Plan: The Plan is a severance plan which is considered a welfare plan

Type of Administration for the Plan: Self-Administration

Plan Year: January 1 to December 31

Name, Business Address and Business Telephone Number of the Plan Administrator:

The Compensation Committee of the Board of Directors (the “Committee”)

Symbol Technologies, Inc.

One Symbol Plaza

Holtsville, New York 11742-1300

The Committee is responsible for administering the Plan and for maintaining Plan records. The
Committee has full discretionary power and authority to construe the Plan and to make conclusive
determinations on questions of your eligibility for benefits under the Plan and the amount of your
benefits, if any, under the Plan. All decisions of the Committee shall be final and binding upon
all affected parties.

Service of Legal Process: The name and address of the Plan’s agent for service of legal process
is:

Symbol Technologies, Inc.

One Symbol Plaza

Holtsville, New York 11742-1300

Attn: General Counsel

Service of legal process may also be made upon the Plan Administrator.

Eligibility: The Committee, determines which employees of the Company are eligible to be
covered by the Plan.

Plan Funding: The Plan is self-funded. Benefits are paid from the general assets of Symbol
Technologies, Inc.

Termination of the Plan

In general, the Company has reserved the right to change, amend, terminate or discontinue the Plan
at any time. Notwithstanding the foregoing, during certain periods specified in the Policy prior to
and following a change in control of the Company, the Company and its successor may not amend or
terminate the Policy.

Claim Procedures

You should automatically receive the benefits to which you are entitled upon satisfying the Plan’s
requirements. Please note that you must keep the Plan Administrator advised of any changes of your
address.

If you believe an error has been made with respect to your benefits under the Plan, you should
promptly submit your claim in writing to the claims official appointed by the Plan Administrator.
The claims official will consider your claim and issue his determination in writing within 90 days
after receipt of your claim, unless special circumstances require an extension of time for
processing your claim, in which case you will be notified. If your claim is denied, the written
decision will inform you of the specific reasons for the denial, the specific Plan provisions upon
which the denial is based, describe any additional material or information necessary for you to
perfect the claim and an explanation of why it is required, and information about the steps that
must be taken to submit a timely request for review, including a statement of your right to bring a
civil action under Section 502(a) of ERISA following an adverse determination upon review.

In event that your written claim is denied, you will receive detailed written instructions on how
to appeal. You may appeal any denial of a written claim to the review official appointed by the
Plan Administrator. Requests for review of claims under the Plan must be made within 60 days after
your receipt of the written notice of the denial of your claim. This written request may include
comments, documents, records, and other information relating to your claim for benefits. You shall
be provided, upon your request and free of charge, reasonable access to, and copies of, all
documents, records, and other information relevant to your claim for benefits. The review will
take into account all comments, documents, records, and other information submitted by you relating
to the claim, without regard to whether such information was submitted or considered in the initial
benefit determination. The review official will give your claim a full and fair review and will
usually give you a written decision within 60 days from the day he receives your appeal unless
special circumstances require an extension of up to 60 additional days. The written decision will
tell you the specific reasons for the decision and the specific provisions of the Plan document
upon which the decision is based.

YOUR RIGHTS UNDER

THE EMPLOYEE RETIREMENT

INCOME SECURITY ACT OF 1974, AS AMENDED

As a Participant in the Symbol Technologies, Inc. Senior Executive Change in Control Policy,
you are entitled to certain rights and protections under ERISA. ERISA provides that all Plan
participants shall have the following rights and be entitled to receive the following information.

Receive Information about your Plan and Benefits

1. Examine, without charge, at the Plan Administrator’s office and at other specified
locations, such as worksites, all documents governing the Plan and a copy of the latest annual
report (Form 5500 Series), if any, filed by the Plan with the U.S. Department of Labor and
available at the Public Disclosure Room of the Pension and Welfare Benefit Administration.

2. Obtain, upon written request to the Plan Administrator, copies of all documents governing
the operation of the Plan and copies of the latest annual report (Form 5500 Series), if any, and
updated Summary Plan Description. The Administrator may make a reasonable charge for the copies.

Prudent Actions by Plan Fiduciaries

In addition to creating rights for Plan participants, ERISA imposes duties upon the people who
are responsible for the operation of the employee benefit plan. The people who operate your Plan,
called “fiduciaries” of the Plan, have a duty to do so prudently and in the interest of you and
other Plan Participants and beneficiaries. No one, including your employer or any other person,
may fire you or otherwise discriminate against you in any way to prevent you from obtaining a
welfare benefit under the Plan or exercising your rights under ERISA.

Enforcement of your Rights

If your claim for a benefit is denied or ignored in whole or in part, you have a right to know
why this was done, to obtain copies of documents relating to the decision without charge, and to
appeal any denial, all within certain time schedules.

Under ERISA, there are steps you can take to enforce the above rights. For instance, if you
request a copy of Plan documents or the latest annual report from the Plan and do not receive them
within 30 days, you may file suit in a Federal court. In such a case, the court may require the
Plan Administrator to provide the materials and pay you up to $110 a day until you receive the
materials, unless the materials were not sent because of reasons beyond the control of the
Administrator. If you have a claim for benefits which is denied or ignored, in whole or in part,
you may file suit in a state or Federal court. If it should happen that Plan fiduciaries misuse
the Plan’s money, or if you are discriminated against for asserting your rights, you may seek
assistance from the U.S. Department of Labor, or you may file suit in a Federal court. The court
will decide who should pay court costs and legal fees. If you are successful, the court may order
the person you have sued to pay these costs and fees. If you lose, the court may order you to pay
these costs and fees, for example, if it finds your claim is frivolous.

Assistance with Your Questions

If you have any questions about your Plan, you should contact the Plan Administrator. If you
have any questions about this statement or about your rights under ERISA, or if you need assistance
in obtaining documents from the Plan Administrator, you should contact the nearest office of the
Pension and Welfare Benefits Administration, U.S. Department of Labor, listed in your telephone
directory or the Division of Technical Assistance and Inquiries, Pension and Welfare Benefits
Administration, U.S. Department of Labor, 200 Constitution Avenue N.W., Washington, D.C. 20210.
You may also obtain certain publications about your rights and responsibilities under ERISA by
calling the publications hotline of the Pension and Welfare Benefits Administration.

3

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