Common use of Payments Generally; Pro Rata Treatment; Sharing of Set Clause in Contracts

Payments Generally; Pro Rata Treatment; Sharing of Set. offs 42 SECTION 2.19. Mitigation Obligations; Replacement of Lenders 44 SECTION 2.20. Defaulting Lenders. 45 ARTICLE III REPRESENTATIONS AND WARRANTIES 46 SECTION 3.01. Organization; Powers 46 SECTION 3.02. Authorization; Enforceability 46 SECTION 3.03. Governmental Approvals; No Conflicts 46 SECTION 3.04. Financial Condition; No Material Adverse Change 46 SECTION 3.05. Properties 47 SECTION 3.06. Litigation and Environmental Matters 47 SECTION 3.07. Compliance with Laws and Agreements 47 SECTION 3.08. Investment Company Status 48 SECTION 3.09. Taxes 48 SECTION 3.10. ERISA 48 SECTION 3.11. Disclosure 48 SECTION 3.12. Anti-Corruption Laws, Anti-Money Laundering Laws and Sanctions 48 SECTION 3.13. Affected Financial Institutions 48 SECTION 3.14. Margin Regulations 49 ARTICLE IV CONDITIONS 49 SECTION 4.01. Closing Date 49 SECTION 4.02. Borrowing 51 ARTICLE V AFFIRMATIVE COVENANTS 51 SECTION 5.01. Financial Statements and Other Information 51 SECTION 5.02. Notices of Material Events 52 SECTION 5.03. Existence; Conduct of Business 52 IF " DOCVARIABLE "SWDocIDLocation" 2" = "1" " DOCPROPERTY "SWDocID" ACTIVE 230252376v.1" "" SECTION 5.04. Payment of Obligations 53 SECTION 5.05. Maintenance of Properties; Insurance 53 SECTION 5.06. Books and Records; Inspection Rights 53 SECTION 5.07. Compliance with Laws 53 SECTION 5.08. Use of Proceeds 53 SECTION 5.09. Litigation Report 53 SECTION 5.10. Covenant to Guarantee Obligations 54 ARTICLE VI NEGATIVE COVENANTS 54 SECTION 6.01. Restrictions on Borrowing by Subsidiaries 54 SECTION 6.02. Liens 55 SECTION 6.03. Restrictions on Sale and Lease Back Transactions 56 SECTION 6.04. Fundamental Changes 56 SECTION 6.05. Transactions with Affiliates 56 SECTION 6.06. Acquisitions 56 SECTION 6.07. Interest Coverage Ratio 57 SECTION 6.08. Net Leverage Ratio 57 ARTICLE VII EVENTS OF DEFAULT 57 SECTION 7.01. Events of Default 57 SECTION 7.02. Remedies Upon an Event of Default 59 SECTION 7.03. Application of Payments 60 ARTICLE VIII THE ADMINISTRATIVE AGENT 60 SECTION 8.01. The Administrative Agent 60 SECTION 8.02. Certain ERISA Matters 64 SECTION 8.03. Certain Payments 65 ARTICLE IX MISCELLANEOUS 66 SECTION 9.01. Notices 66

Payments Generally; Pro Rata Treatment; Sharing of Set. offs 42 76 SECTION 2.192.20. Mitigation Obligations; Replacement of Lenders 44 77 SECTION 2.202.21. Defaulting LendersIllegality 78 SECTION 2.22. 45 Incremental Commitments 78 SECTION 2.23. Refinancing Term Loans 80 SECTION 2.24. [Reserved] 81 SECTION 2.25. Replacement Revolving Facility Commitments 81 ARTICLE III REPRESENTATIONS AND WARRANTIES 46 SECTION 3.01. Organization; Powers 46 83 SECTION 3.02. Authorization; Enforceability 46 Authorization 83 SECTION 3.03. Governmental Approvals; No Conflicts 46 Enforceability 83 SECTION 3.04. Governmental Approvals 83 Page SECTION 3.05. Financial Condition; Statements 84 SECTION 3.06. No Material Adverse Change 46 Effect 84 SECTION 3.053.07. Title to Properties; Possession Under Leases 84 SECTION 3.08. Subsidiaries 84 SECTION 3.09. Litigation; Compliance with Laws 85 SECTION 3.10. Federal Reserve Regulations 85 SECTION 3.11. Investment Company Act 85 SECTION 3.12. Use of Proceeds 85 SECTION 3.13. Taxes 85 SECTION 3.14. No Material Misstatements 86 SECTION 3.15. Employee Benefit Plans 86 SECTION 3.16. Environmental Matters 87 SECTION 3.17. Security Documents 87 SECTION 3.18. Location of Real Property and Leased Premises 88 SECTION 3.19. Solvency 88 SECTION 3.20. Labor Matters 88 SECTION 3.21. No Default 89 SECTION 3.22. Intellectual Property; Licenses, Etc. 89 SECTION 3.23. Senior Debt 89 SECTION 3.24. Insurance 89 SECTION 3.25. Anti-Money Laundering 89 SECTION 3.26. Anti-Corruption and Sanctions 89 SECTION 3.27. EEA Financial Institutions 89 ARTICLE IV CONDITIONS OF LENDING SECTION 4.01. All Credit Events 90 SECTION 4.02. First Credit Event 90 ARTICLE V AFFIRMATIVE COVENANTS SECTION 5.01. Existence; Businesses and Properties 47 93 SECTION 3.065.02. Insurance 93 SECTION 5.03. Taxes 94 SECTION 5.04. Financial Statements, Reports, etc. 94 SECTION 5.05. Litigation and Environmental Matters 47 Other Notices 96 SECTION 3.075.06. Compliance with Laws and Agreements 47 SECTION 3.08. Investment Company Status 48 SECTION 3.09. Taxes 48 SECTION 3.10. ERISA 48 SECTION 3.11. Disclosure 48 SECTION 3.12. Anti-Corruption Laws, Anti-Money Laundering Laws and Sanctions 48 SECTION 3.13. Affected Financial Institutions 48 SECTION 3.14. Margin Regulations 49 ARTICLE IV CONDITIONS 49 SECTION 4.01. Closing Date 49 SECTION 4.02. Borrowing 51 ARTICLE V AFFIRMATIVE COVENANTS 51 SECTION 5.01. Financial Statements and Other Information 51 SECTION 5.02. Notices of Material Events 52 SECTION 5.03. Existence; Conduct of Business 52 IF " DOCVARIABLE "SWDocIDLocation" 2" = "1" " DOCPROPERTY "SWDocID" ACTIVE 230252376v.1" "" SECTION 5.04. Payment of Obligations 53 SECTION 5.05. Maintenance of Properties; Insurance 53 SECTION 5.06. Books and Records; Inspection Rights 53 96 SECTION 5.07. Compliance with Laws 53 Maintaining Records; Access to Properties and Inspections 97 SECTION 5.08. Use of Proceeds 53 97 SECTION 5.09. Litigation Report 53 Compliance with Environmental Laws 97 SECTION 5.10. Covenant to Guarantee Obligations 54 Further Assurances; Additional Security 97 SECTION 5.11. Rating 100 ARTICLE VI NEGATIVE COVENANTS 54 SECTION 6.01. Restrictions on Borrowing by Subsidiaries 54 Indebtedness 100 SECTION 6.02. Liens 55 104 SECTION 6.03. Restrictions on Sale and Lease Lease-Back Transactions 56 108 SECTION 6.04. Fundamental Changes 56 Investments, Loans and Advances 108 Page SECTION 6.05. Mergers, Consolidations, Sales of Assets and Acquisitions 112 SECTION 6.06. Restricted Payments 114 SECTION 6.07. Transactions with Affiliates 56 SECTION 6.06. Acquisitions 56 SECTION 6.07. Interest Coverage Ratio 57 116 SECTION 6.08. Net Leverage Ratio 57 Business of Holdings, the Borrower and the Subsidiaries 118 SECTION 6.09. Limitation on Payments and Modifications of Indebtedness; Modifications of Certificate of Incorporation, By-Laws and Certain Other Agreements; etc. 118 SECTION 6.10. Financial Performance Covenant 121 SECTION 6.11. [Reserved] 121 SECTION 6.12. No Other “Designated Senior Debt” 121 SECTION 6.13. Changes in Fiscal Year 121 ARTICLE VII EVENTS OF DEFAULT 57 SECTION 7.01. Events of Default 57 121 SECTION 7.02. Remedies Upon an Event of Default 59 SECTION 7.03. Application of Payments 60 Right to Cure 123 ARTICLE VIII THE ADMINISTRATIVE AGENT 60 AGENTS SECTION 8.01. The Administrative Agent 60 Appointment 124 SECTION 8.02. Certain ERISA Matters 64 Delegation of Duties 124 SECTION 8.03. Certain Exculpatory Provisions 125 SECTION 8.04. Reliance by Agents 125 SECTION 8.05. Notice of Default 126 SECTION 8.06. Non-Reliance on Administrative Agent, Collateral Agent and Other Lenders 126 SECTION 8.07. Indemnification 126 SECTION 8.08. Agents in their Individual Capacity 127 SECTION 8.09. Successor Agents 127 SECTION 8.10. Payments 65 Set Aside 128 SECTION 8.11. Administrative Agent May File Proofs of Claim 128 SECTION 8.12. Collateral and Guaranty Matters 129 SECTION 8.13. Additional Agents 129 SECTION 8.14. Intercreditor Agreements and Collateral Matters 129 SECTION 8.15. Withholding Taxes 129 ARTICLE IX MISCELLANEOUS 66 SECTION 9.01. Notices 66Notices; Communications 130 SECTION 9.02. Survival of Agreement 131 SECTION 9.03. Effectiveness 131 SECTION 9.04. Successors and Assigns 131 SECTION 9.05. Expenses; Indemnity 135 SECTION 9.06. Right of Set-off 136 SECTION 9.07. Applicable Law 137 SECTION 9.08. Waivers; Amendment 137 SECTION 9.09. Interest Rate Limitation 139 SECTION 9.10. Entire Agreement 140 SECTION 9.11. WAIVER OF JURY TRIAL 140 SECTION 9.12. Severability 140 SECTION 9.13. Counterparts 140 Page SECTION 9.14. Headings 140 SECTION 9.15. Jurisdiction; Consent to Service of Process 141 SECTION 9.16. Confidentiality 142 SECTION 9.17. Platform; Borrower Materials 142 SECTION 9.18. Release of Liens, Guarantees and Pledges 143 SECTION 9.19. Judgment Currency 143 SECTION 9.20. USA PATRIOT Act Notice 143 SECTION 9.21. No Advisory or Fiduciary Responsibility 144 SECTION 9.22. Affiliated Lenders 144 SECTION 9.23. Acknowledgement and Consent to Bail-In of EEA Financial Institutions 145 SECTION 9.24. Flood Matters 145 Exhibits and Schedules Exhibit A Agreed Security Principles Exhibit B Form of Assignment and Acceptance Exhibit C Auction Procedures Exhibit D Form of Borrowing Request/Interest Rate Request Exhibit E Form of Swingline Borrowing Request Exhibit F-1 Form of Non-Debt Fund Affiliate Assignment and Acceptance Exhibit F-2 Form of Debt Fund Affiliate Assignment Notice Exhibit G Form of Guarantee Agreement Exhibit H Form of Collateral Agreement Schedule 1.01A Closing Date Security Documents Schedule 1.01B Subsidiary Loan Parties Schedule 2.01 Closing Date Commitments Schedule 2.01A Amendment No. 3 Effective Date Commitments Schedule 3.01 Organization and Good Standing Schedule 3.04 Governmental Approvals Schedule 3.07(b) Possession under Leases Schedule 3.07(c) Intellectual Property Schedule 3.08(a) Subsidiaries Schedule 3.08(b) Subscriptions Schedule 3.09(a) Litigation Schedule 3.09(b) Compliance with Laws Schedule 3.16 Environmental Matters Schedule 3.20 Labor Matters Schedule 3.22 Intellectual Property Schedule 3.24 Insurance Schedule 4.02(b) Local Counsel Schedule 5.10(h) Certain Collateral Matters Schedule 6.01 Indebtedness Schedule 6.02(a) Liens Schedule 6.04 Investments Schedule 6.07 Transactions with Affiliates Schedule 9.01 Notice Information CREDIT AGREEMENT dated as of April 17, 2013, as amended through November 4, 2016 (this “Agreement”), among EVERTEC INTERMEDIATE HOLDINGS, LLC (formerly known as CARIB HOLDINGS, LLC), a Puerto Rico limited liability company (“Holdings”), EVERTEC GROUP, LLC (formerly known as EVERTEC, LLC), a Puerto Rico limited liability company (“Borrower”), the Lenders party hereto from time to time and JPMORGAN CHASE BANK, N.A., as administrative agent and collateral agent for the Lenders, Swingline Lender and an L/C Issuer.

Payments Generally; Pro Rata Treatment; Sharing of Set. offs 42 SECTION 2.1939 Section 4.02. Presumption of Payment by the Borrower 40 Section 4.03. Certain Deductions by the Administrative Agent 41 Section 4.04. Disposition of Proceeds 41 Section 4.05. Defaulting Lenders 41 ARTICLE V INCREASED COSTS; BREAK FUNDING PAYMENTS; TAXES; ILLEGALITY Section 5.01. Increased Costs 43 Section 5.02. Break Funding Payments 45 Section 5.03. Taxes 45 Section 5.04. Mitigation Obligations; Replacement of Lenders 44 SECTION 2.2047 Section 5.05. Defaulting LendersIllegality 48 ARTICLE VI CONDITIONS PRECEDENT Section 6.01. 45 Effective Date 48 Section 6.02. Each Credit Event 51 ARTICLE III VII REPRESENTATIONS AND WARRANTIES 46 SECTION 3.01Section 7.01. Organization; Powers 46 SECTION 3.0252 Section 7.02. AuthorizationAuthority; Enforceability 46 SECTION 3.0352 Section 7.03. Governmental Approvals; No Conflicts 46 SECTION 3.0452 Section 7.04. Financial Condition; No Material Adverse Change 46 SECTION 3.05. Properties 47 SECTION 3.0653 Section 7.05. Litigation and 53 Section 7.06. Environmental Matters 47 SECTION 3.0754 Section 7.07. Compliance with the Laws and Agreements 47 SECTION 3.08Agreements; No Defaults 55 Section 7.08. Investment Company Status 48 SECTION 3.09Act 55 Section 7.09. Taxes 48 SECTION 3.1055 Section 7.10. ERISA 48 SECTION 3.1156 Section 7.11. Disclosure 48 SECTION 3.12Disclosure; No Material Misstatements 56 Section 7.12. Anti-Corruption LawsInsurance 57 Section 7.13. Restriction on Liens 57 Section 7.14. Subsidiaries; Foreign Operations 57 Section 7.15. Location of Business and Offices 57 Section 7.16. Properties; Titles, Anti-Etc. 58 Section 7.17. Maintenance of Properties 58 Section 7.18. Gas Imbalances, Prepayments 59 Section 7.19. Marketing of Production 59 Section 7.20. Swap Agreements 59 Section 7.21. Use of Loans and Letters of Credit 60 Section 7.22. Solvency 60 Section 7.23. Reorganization 60 Section 7.24. Foreign Corrupt Practices 60 Section 7.25. Money Laundering Laws and Sanctions 48 SECTION 3.1360 Section 7.26. Affected Financial Institutions 48 SECTION 3.14. Margin Regulations 49 OFAC 61 ARTICLE IV CONDITIONS 49 SECTION 4.01. Closing Date 49 SECTION 4.02. Borrowing 51 ARTICLE V VIII AFFIRMATIVE COVENANTS 51 SECTION 5.01Section 8.01. Financial Statements and Statements; Other Information 51 SECTION 5.0261 Section 8.02. Notices of Material Events 52 SECTION 5.0364 Section 8.03. Existence; Conduct of Business 52 IF " DOCVARIABLE "SWDocIDLocation" 2" = "1" " DOCPROPERTY "SWDocID" ACTIVE 230252376v.1" "" SECTION 5.0465 Section 8.04. Payment of Obligations 53 SECTION 5.0565 Section 8.05. Performance of Obligations under Loan Documents 65 Section 8.06. Operation and Maintenance of Properties; Properties 65 Section 8.07. Insurance 53 SECTION 5.0666 Section 8.08. Books and Records; Inspection Rights 53 SECTION 5.0766 Section 8.09. Compliance with Laws 53 SECTION 5.0866 Section 8.10. Use of Proceeds 53 SECTION 5.09Environmental Matters 66 Section 8.11. Litigation Report 53 SECTION 5.10Further Assurances 68 Section 8.12. Covenant to Guarantee Obligations 54 Reserve Reports 68 Section 8.13. Title Information 69 Section 8.14. Additional Collateral; Additional Guarantors 69 Section 8.15. ERISA Compliance 70 Section 8.16. Swap Agreements 71 ARTICLE VI IX NEGATIVE COVENANTS 54 SECTION 6.01Section 9.01. Restrictions on Borrowing by Subsidiaries 54 SECTION 6.02Financial Covenants 71 Section 9.02. Debt 72 Section 9.03. Liens 55 SECTION 6.03. Restrictions on Sale and Lease Back Transactions 56 SECTION 6.04. Fundamental Changes 56 SECTION 6.05. Transactions with Affiliates 56 SECTION 6.06. Acquisitions 56 SECTION 6.07. Interest Coverage Ratio 57 SECTION 6.08. Net Leverage Ratio 57 ARTICLE VII EVENTS OF DEFAULT 57 SECTION 7.01. Events of Default 57 SECTION 7.02. Remedies Upon an Event of Default 59 SECTION 7.03. Application of Payments 60 ARTICLE VIII THE ADMINISTRATIVE AGENT 60 SECTION 8.01. The Administrative Agent 60 SECTION 8.02. Certain ERISA Matters 64 SECTION 8.03. Certain Payments 65 ARTICLE IX MISCELLANEOUS 66 SECTION 9.01. Notices 6672

Payments Generally; Pro Rata Treatment; Sharing of Set. offs 42 SECTION 2.19. 110111 Section 2.19 Mitigation Obligations; Replacement of Lenders 44 SECTION 2.20. 112113 Section 2.20 Illegality 114115 Section 2.21 Incremental Commitments 114116 Section 2.22 Extensions of Loans and Commitments 117119 Section 2.23 Refinancing Amendments 120121 Section 2.24 Defaulting Lenders. 45 Lender 123125 Section 2.25 Loan Repurchases 126127 ARTICLE III REPRESENTATIONS AND WARRANTIES 46 SECTION 3.01. Representations and Warranties 128129 Section 3.01 Organization; Powers 46 SECTION 3.02. Authorization; 128129 Section 3.02 Authorization 128129 Section 3.03 Enforceability 46 SECTION 3.03. 129130 Page Section 3.04 Governmental Approvals; No Conflicts 46 SECTION 3.04. Approvals 129130 Section 3.05 Financial Condition; Statements 129131 Section 3.06 No Material Adverse Change 46 SECTION 3.05. Properties 47 SECTION 3.06. Litigation and Environmental Matters 47 SECTION 3.07. Effect 130131 Section 3.07 Title to Properties; Possession Under Leases 130131 Section 3.08 Subsidiaries 130131 Section 3.09 Litigation; Compliance with Laws and Agreements 47 SECTION 3.08. 130131 Section 3.10 Federal Reserve Regulations 131132 Section 3.11 Investment Company Status 48 SECTION 3.09Act 131132 Section 3.12 Use of Proceeds 131132 Section 3.13 Tax Returns 131133 Section 3.14 No Material Misstatements 132133 Section 3.15 Employee Benefit Plans 132134 Section 3.16 Environmental Matters 132134 Section 3.17 Security Documents 133134 Section 3.18 Solvency 134135 Section 3.19 Labor Matters 134135 Section 3.20 Insurance 134136 Section 3.21 Intellectual Property; Licenses, Etc. Taxes 48 SECTION 3.10. ERISA 48 SECTION 3.11. Disclosure 48 SECTION 3.12. Anti-Corruption Laws135136 Section 3.22 USA XXXXXXX Xxx 000000 Section 3.23 OFAC/Sanctions, Anti-Money Laundering Laws and Sanctions 48 SECTION 3.13. Affected Financial Institutions 48 SECTION 3.14. Margin Regulations 49 etc 135136 Section 3.24 Foreign Corrupt Practices Act 135137 Section 3.25 Luxembourg Regulatory Matters 135137 Section 3.26 Existing Indebtedness 136137 ARTICLE IV CONDITIONS 49 SECTION 4.01. Closing Date 49 SECTION 4.02. Borrowing 51 Conditions of Lending 137138 Section 4.01 All Credit Events 137138 Section 4.02 First Credit Event 138139 ARTICLE V AFFIRMATIVE COVENANTS 51 SECTION 5.01Affirmative Covenants 143144 Section 5.01 Existence; Business and Properties 143144 Section 5.02 Insurance 144144 Section 5.03 Taxes 144145 Section 5.04 Financial Statements, Reports, etc. Financial Statements 145145 Section 5.05 Litigation and Other Information 51 SECTION 5.02. Notices of Material Events 52 SECTION 5.03. Existence; Conduct of Business 52 IF " DOCVARIABLE "SWDocIDLocation" 2" = "1" " DOCPROPERTY "SWDocID" ACTIVE 230252376v.1" "" SECTION 5.04. Payment of Obligations 53 SECTION 5.05. Maintenance of Properties; Insurance 53 SECTION 5.06. Books and Records; Inspection Rights 53 SECTION 5.07. 147147 Section 5.06 Compliance with Laws 53 SECTION 5.08. 147148 Section 5.07 Maintaining Records; Access to Properties and Inspections 147148 Section 5.08 Use of Proceeds 53 SECTION 5.09. Litigation Report 53 SECTION 5.10. Covenant to Guarantee Obligations 54 148148 Section 5.09 Compliance with Environmental Laws 148149 Section 5.10 Further Assurances; Additional Security 148149 Section 5.11 Rating 150151 Section 5.12 Post Closing 151151 Section 5.13 Cadence IP Licensee 151151 Page ARTICLE VI NEGATIVE COVENANTS 54 SECTION 6.01. Restrictions on Borrowing by Subsidiaries 54 SECTION 6.02. Negative Covenants 152152 Section 6.01 Indebtedness 152152 Section 6.02 Liens 55 SECTION 6.03. Restrictions on 157158 Section 6.03 Sale and Lease Lease-Back Transactions 56 SECTION 6.04. Fundamental Changes 56 SECTION 6.05. 162162 Section 6.04 Investments, Loans and Advances 162163 Section 6.05 Mergers, Consolidations, Sales of Assets and Acquisitions 167167 Section 6.06 Dividends and Distributions 169170 Section 6.07 Transactions with Affiliates 56 SECTION 6.06. Acquisitions 56 SECTION 6.07. Interest Coverage Ratio 57 SECTION 6.08. Net Leverage Ratio 57 ARTICLE VII EVENTS OF DEFAULT 57 SECTION 7.01. Events 171171 Section 6.08 Business of Default 57 SECTION 7.02. Remedies Upon an Event of Default 59 SECTION 7.03. Application of Payments 60 ARTICLE VIII THE ADMINISTRATIVE AGENT 60 SECTION 8.01. The Administrative Agent 60 SECTION 8.02. Certain ERISA Matters 64 SECTION 8.03. Certain Payments 65 ARTICLE IX MISCELLANEOUS 66 SECTION 9.01. Notices 66the Parent and the Subsidiaries 173173

Payments Generally; Pro Rata Treatment; Sharing of Set. offs 42 SECTION 2.19Section 2.18. Mitigation Obligations; Replacement of Lenders 44 SECTION 2.20Section 2.19. Defaulting Lenders. 45 Increase in the Aggregate Commitments 47 ARTICLE III REPRESENTATIONS AND WARRANTIES 46 SECTION 49 Section 3.01. Organization; Powers 46 SECTION Existence and Power Section 3.02. Corporate and Governmental Authorization; Enforceability 46 SECTION No Contravention 49 Section 3.03. Governmental Approvals; No Conflicts 46 SECTION Binding Effect 49 Section 3.04. Financial Condition; No Material Adverse Change 46 SECTION Information -i- TABLE OF CONTENTS (continued) Page Section 3.05. Properties 47 SECTION Litigation 50 Section 3.06. Litigation and Compliance with ERISA 50 Section 3.07. Taxes 50 Section 3.08. Environmental Matters 47 SECTION 3.07Compliance 50 Section 3.09. Properties 51 Section 3.10. Compliance with Laws and Agreements 47 SECTION 3.0852 Section 3.11. Investment and Holding Company Status 48 SECTION 3.09. Taxes 48 SECTION 3.10. ERISA 48 SECTION 3.11. Disclosure 48 SECTION 52 Section 3.12. Anti-Corruption Laws, Anti-Money Laundering Laws and Sanctions 48 SECTION Full Disclosure 52 Section 3.13. Affected Financial Institutions 48 SECTION Security Interest 52 Section 3.14. Margin Regulations 49 Solvency 52 Section 3.15. Employee Matters Section 3.16. Subsidiaries Section 3.17. No Change in Credit Criteria or Collection Policies Section 3.18. Processors Section 3.19. Senior Notes Indentures; Debentures Indenture ARTICLE IV CONDITIONS 49 SECTION 54 Section 4.01. Closing Effective Date 49 SECTION Section 4.02. Borrowing 51 Each Credit Event ARTICLE V AFFIRMATIVE COVENANTS 51 SECTION Section 5.01. Financial Statements and Other Information 51 SECTION 56 Section 5.02. Notices Maintenance of Material Events 52 SECTION Property; Insurance 59 Section 5.03. Compliance with Laws Section 5.04. Inspection of Property, Books and Records 60 Section 5.05. Use of Proceeds 60 Section 5.06. Environmental Matters 60 Section 5.07. Taxes 61 Section 5.08. Security Interests 61 Section 5.09. Existence; Conduct of Business 52 IF " DOCVARIABLE "SWDocIDLocation" 2" = "1" " DOCPROPERTY "SWDocID" ACTIVE 230252376v.1" "" SECTION 5.04. Payment of Obligations 53 SECTION 5.05. Maintenance of Properties; Insurance 53 SECTION 5.06. Books and Records; Inspection Rights 53 SECTION 5.07. Compliance with Laws 53 SECTION 5.08. Use of Proceeds 53 SECTION 5.0961 Section 5.10. Litigation Report 53 SECTION 5.10and Other Notices 61 Section 5.11. Covenant to Guarantee Obligations 54 Additional Grantors and Guarantors 62 -ii- TABLE OF CONTENTS (continued) Page Section 5.12. Maintain Operating Accounts 62 Section 5.13. Processors 62 ARTICLE VI NEGATIVE COVENANTS 54 SECTION 62 Section 6.01. Restrictions on Borrowing by Subsidiaries 54 SECTION Indebtedness 62 Section 6.02. Liens 55 SECTION 64 Section 6.03. Restrictions on Sale and Lease Back Transactions 56 SECTION 6.04. Fundamental Changes 56 SECTION Section 6.04. Investments, Loans, Advances, Guarantees and Acquisitions Section 6.05. Prepayment or Modification of Indebtedness; Modification of Operating Documents 66 Section 6.06. Restricted Payments Section 6.07. Transactions with Affiliates 56 SECTION 6.06. Acquisitions 56 SECTION 6.07. Interest Coverage Ratio 57 SECTION 67 Section 6.08. Net Leverage Ratio 57 Restrictive Agreements Section 6.09. Fixed Charge Coverage ARTICLE VII EVENTS OF DEFAULT 57 SECTION 7.01. Events of Default 57 SECTION 7.02. Remedies Upon an Event of Default 59 SECTION 7.03. Application of Payments 60 68 ARTICLE VIII THE ADMINISTRATIVE AGENT 60 SECTION 8.01. The Administrative Agent 60 SECTION 8.02. Certain ERISA Matters 64 SECTION 8.03. Certain Payments 65 71 ARTICLE IX MISCELLANEOUS 66 SECTION 74 Section 9.01. Notices 6674 Section 9.02. Waivers; Amendments 75 Section 9.03. Expenses; Indemnity; Damage Waiver 76 Section 9.04. Successors and Assigns 77 Section 9.05. Survival 79 Section 9.06. Counterparts; Integration; Effectiveness 79 Section 9.07. Severability 80 Section 9.08. Right of Setoff Section 9.09. GOVERNING LAW; JURISDICTION; CONSENT TO SERVICE OF PROCESS 80 Section 9.10. WAIVER OF JURY TRIAL 81 Section 9.11. Headings 81 Section 9.12. Confidentiality 81 Section 9.13. Interest Rate Limitation 81 Section 9.14. USA Patriot Act -iii- TABLE OF CONTENTS (continued) Page Section 9.15. Acknowledgement SCHEDULES Schedule 1.01 -- Existing Letters of Credit Schedule 1.02 -- Fiscal Months of the Borrowers Schedule 2.01 -- Commitments Schedule 3.05 -- Disclosed Matters as to Litigation Schedule 3.08 -- Disclosed Matters as to Environmental Compliance Schedule 3.09 -- Other Leased and Owned Property Schedule 3.16 -- Subsidiaries Schedule 3.18 -- Processors Schedule 5.01(j) -- Borrowing Base Certificate Schedule 6.01 -- Existing Indebtedness Schedule 6.02 -- Existing Liens Schedule 6.03 – Fiscal Year End Schedule 6.04 -- Existing Investments Schedule 6.08 -- Existing Restrictions EXHIBITS Exhibit A -- Form of Assignment and Assumption Exhibit B -- Form of Opinion of Borrowers’ Counsel Exhibit C -- Form of Promissory Note Exhibit D -- Form of Borrowing Request SECOND AMENDED AND RESTATED CREDIT AGREEMENT dated as of July 10, 2007, among XXXXXXXX-VAN HEUSEN CORPORATION, a Delaware corporation, THE IZOD CORPORATION, a Pennsylvania corporation, PVH WHOLESALE CORP., a Delaware corporation, PVH RETAIL CORP., a Delaware corporation, XXXX.XXX INC., a Delaware corporation, X.X. XXXX FRANCHISES INC., a Delaware corporation, CD GROUP INC., a Delaware corporation, PVH CK STORES, INC., a Delaware corporation, PVH OHIO, INC., a Delaware corporation, PVH MICHIGAN, INC., a Delaware corporation, PVH PENNSYLVANIA, INC., a Delaware corporation, PVH WHOLESALE NEW JERSEY, INC., a Delaware corporation, PVH RETAIL MANAGEMENT COMPANY, a Delaware corporation, and PVH SUPERBA/INSIGNIA NECKWEAR, INC., a Delaware corporation, as joint and several borrowers, the LENDERS party hereto, JPMORGAN CHASE BANK, N.A., as Administrative Agent and Collateral Agent, X.X. XXXXXX SECURITIES INC. as Joint Lead Arranger and Sole Bookrunner, BANK OF AMERICA, N.A. as Joint Lead Arranger and Co-Syndication Agent, SunTrust Bank as Co-Syndication Agent, Wachovia Bank, National Association as Co-Document Agent and The CIT Group/Commercial Services, Inc. as Co-Documentation Agent. The Borrowers are party to the Existing Credit Agreement (such term and all other capitalized terms used in this paragraph having the respective meanings ascribed to such terms hereinafter) and desire to amend and restate the Existing Credit Agreement to provide for Loans up to a maximum aggregate principal amount not in excess of $325,000,000 (subject to increases as provided in Section 2.19) at any time outstanding during the Availability Period. The proceeds of the Loans shall be used for the Borrowers’ and their Subsidiaries’ working capital, permitted acquisitions, Capital Expenditures and general corporate purposes. The Borrowers and Guarantors will provide Collateral in accordance with the provisions of this Agreement and the other Financing Documents. The Lenders are severally, and not jointly, willing to amend and restate the Existing Credit Agreement and to extend such Loans to the Borrowers subject to the terms and conditions hereinafter set forth. Accordingly, the Borrowers, the Lenders and the Administrative Agent hereby agree as follows:

Payments Generally; Pro Rata Treatment; Sharing of Set. offs 42 SECTION 2.19. Off 4951 Section 2.16 Mitigation Obligations; Replacement of Lenders 44 SECTION 2.205052 Section 2.17 Defaulting Lenders 5153 Section 2.18 Incremental Facility 5355 Section 2.19 Extension of the Maturity Date 56 Section 2.20 Letters of Credit. Defaulting Lenders. 45 57 ARTICLE III 3 REPRESENTATIONS AND WARRANTIES 46 SECTION 3.01. 64 Section 3.01 Organization; Powers 46 SECTION 3.02. 64 Section 3.02 Authorization; Enforceability 46 SECTION 3.03. 6264 Section 3.03 Governmental Approvals; No Conflicts 46 SECTION 3.04. 6264 Section 3.04 Financial Condition; No Material Adverse Change 46 SECTION 3.05. 64 Section 3.05 Properties 47 SECTION 3.06. 6365 Section 3.06 Litigation and Environmental Matters 47 SECTION 3.07. 6365 Section 3.07 Compliance with Laws and Agreements 47 SECTION 3.08. Agreements; No Default 65 Confidential Treatment Requested by Uber Technologies, Inc. Pursuant to 17 C.F.R. Section 200.83 Section 3.08 Investment Company Status 48 SECTION 3.09. 65 Section 3.09 Margin Stock 65 Section 3.10 Taxes 48 SECTION 3.10. 66 Section 3.11 ERISA 48 SECTION 3.11. 6466 Section 3.12 Disclosure 48 SECTION 3.12. 6567 Section 3.13 Subsidiaries 67 Section 3.14 Solvency 68 Section 3.15 Anti-Corruption Laws, Anti-Money Laundering Laws and Terrorism Law 68 Section 3.16 FCPA; Sanctions 48 SECTION 3.13. Affected Financial Institutions 48 SECTION 3.14. Margin Regulations 49 6769 Section 3.17 Collateral Matters 6769 Section 3.18 Beneficial Ownership Certification 6870 ARTICLE IV 4 CONDITIONS 49 SECTION 4.01. Closing 6870 Section 4.01 Effective Date 49 SECTION 4.02. Borrowing 51 6870 Section 4.02 Each Credit Event 71 ARTICLE V 5 AFFIRMATIVE COVENANTS 51 SECTION 5.01. 7072 Section 5.01 Financial Statements Statements; Ratings Change and Other Information 51 SECTION 5.02. 7072 Section 5.02 Notices of Material Events 52 SECTION 5.03. 7274 Section 5.03 Existence; Conduct of Business 52 IF " DOCVARIABLE "SWDocIDLocation" 2" = "1" " DOCPROPERTY "SWDocID" ACTIVE 230252376v.1" "" SECTION 5.04. 74 Section 5.04 Payment of Obligations 53 SECTION 5.05. Taxes and Other Claims 74 Section 5.05 Maintenance of Properties; Insurance 53 SECTION 5.06. 7375 Section 5.06 Books and Records; Inspection Rights 53 SECTION 5.07. 7375 Section 5.07 ERISA-Related Information 75 Section 5.08 Compliance with Laws 53 SECTION 5.08. and Agreements 7476 Section 5.09 Use of Proceeds 53 SECTION 5.09. Litigation Report 53 SECTION 5.10. Covenant to Guarantee Obligations 54 7476 Section 5.10 Additional Guarantors 7476 Section 5.11 Holdings 77 Section 5.12 Post-Closing 7678 Section 5.13 Beneficial Ownership Regulations 78 ARTICLE VI 6 NEGATIVE COVENANTS 54 SECTION 6.01. Restrictions on Borrowing by Subsidiaries 54 SECTION 6.02. 7678 Section 6.01 Indebtedness 78 Section 6.02 Liens 55 SECTION 6.03. Restrictions on Sale and Lease Back Transactions 56 SECTION 6.04. 79 Section 6.03 Fundamental Changes 56 SECTION 6.05. Transactions with Affiliates 56 SECTION 6.06. Acquisitions 56 SECTION 6.07. Interest Coverage Ratio 57 SECTION 6.08. Net Leverage Ratio 57 81 Section 6.04 Use of Proceeds 83 Section 6.05 Minimum Liquidity 8183 Section 6.06 Restricted Repayments 8183 Section 6.07 Junior Debt Prepayments 8284 ARTICLE VII 7 EVENTS OF DEFAULT 57 SECTION 7.01. 84 Section 7.01 Events of Default 57 SECTION 7.02. Remedies Upon an Event of Default 59 SECTION 7.03. 84 Section 7.02 Application of Payments 60 Funds 8587 Confidential Treatment Requested by Uber Technologies, Inc. Pursuant to 17 C.F.R. Section 200.83 ARTICLE VIII 8 THE ADMINISTRATIVE AGENT 60 SECTION 8.01. The AGENTS 8688 Section 8.01 Appointment of the Administrative Agent 60 SECTION 8.028688 Section 8.02 Powers and Duties 88 Section 8.03 General Immunity 8789 Section 8.04 Administrative Agent Entitled to Act as Lender 90 Section 8.05 Lenders’ Representations, Warranties and Acknowledgment 90 Section 8.06 Right to Indemnity 8991 Section 8.07 Successor Administrative Agent. 9092 Section 8.08 Guaranty 92 Section 8.09 Actions in Concert 9193 Section 8.10 Withholding Taxes 93 Section 8.11 Administrative Agent May File Bankruptcy Disclosure and Proofs of Claim 94 Section 8.12 Intercreditor Agreements 94 Section 8.13 Secured Cash Management Agreements and Secured Hedge Agreements 9395 Section 8.14 Certain ERISA Matters 64 SECTION 8.03. Certain Payments 65 95 ARTICLE IX 9 MISCELLANEOUS 66 SECTION 9.01. 9397 Section 9.01 Notices 669397 Section 9.02 Waivers; Amendments 97100 Section 9.03 Expenses; Indemnity; Damage Waiver 99102 Section 9.04 Successors and Assigns 101104 Section 9.05 Survival 105108 Section 9.06 Counterparts; Integration; Effectiveness 106108 Section 9.07 Severability 106108 Section 9.08 Right of Setoff 106109

Payments Generally; Pro Rata Treatment; Sharing of Set. offs 42 SECTION 2.19. Off 4951 Section 2.16 Mitigation Obligations; Replacement of Lenders 44 SECTION 2.205052 Section 2.17 Defaulting Lenders 5153 Section 2.18 Incremental Facility 5355 Section 2.19 Extension of the Maturity Date 56 Section 2.20 Letters of Credit. Defaulting Lenders. 45 57 ARTICLE III 3 REPRESENTATIONS AND WARRANTIES 46 SECTION 3.01. 64 Section 3.01 Organization; Powers 46 SECTION 3.02. 64 Section 3.02 Authorization; Enforceability 46 SECTION 3.03. 6264 Section 3.03 Governmental Approvals; No Conflicts 46 SECTION 3.04. 6264 Section 3.04 Financial Condition; No Material Adverse Change 46 SECTION 3.05. 64 Section 3.05 Properties 47 SECTION 3.06. 6365 Section 3.06 Litigation and Environmental Matters 47 SECTION 3.07. 6365 Section 3.07 Compliance with Laws and Agreements 47 SECTION 3.08. Agreements; No Default 65 Section 3.08 Investment Company Status 48 SECTION 3.09. 65 Section 3.09 Margin Stock 65 Section 3.10 Taxes 48 SECTION 3.10. 66 Section 3.11 ERISA 48 SECTION 3.11. 6466 Section 3.12 Disclosure 48 SECTION 3.12. 6567 Section 3.13 Subsidiaries 67 Section 3.14 Solvency 68 Section 3.15 Anti-Corruption Laws, Anti-Money Laundering Laws and Terrorism Law 68 Section 3.16 FCPA; Sanctions 48 SECTION 3.13. Affected Financial Institutions 48 SECTION 3.14. Margin Regulations 49 6769 Section 3.17 Collateral Matters 6769 Section 3.18 Beneficial Ownership Certification 6870 ARTICLE IV 4 CONDITIONS 49 SECTION 4.01. Closing 6870 Section 4.01 Effective Date 49 SECTION 4.02. Borrowing 51 6870 Section 4.02 Each Credit Event 71 ARTICLE V 5 AFFIRMATIVE COVENANTS 51 SECTION 5.01. 7072 Section 5.01 Financial Statements Statements; Ratings Change and Other Information 51 SECTION 5.02. 7072 Section 5.02 Notices of Material Events 52 SECTION 5.03. 7274 Section 5.03 Existence; Conduct of Business 52 IF " DOCVARIABLE "SWDocIDLocation" 2" = "1" " DOCPROPERTY "SWDocID" ACTIVE 230252376v.1" "" SECTION 5.04. 74 Section 5.04 Payment of Obligations 53 SECTION 5.05. Taxes and Other Claims 74 Section 5.05 Maintenance of Properties; Insurance 53 SECTION 5.06. 7375 Section 5.06 Books and Records; Inspection Rights 53 SECTION 5.07. 7375 Section 5.07 ERISA-Related Information 75 Section 5.08 Compliance with Laws 53 SECTION 5.08. and Agreements 7476 Section 5.09 Use of Proceeds 53 SECTION 5.09. Litigation Report 53 SECTION 5.10. Covenant to Guarantee Obligations 54 7476 Section 5.10 Additional Guarantors 7476 Section 5.11 Holdings 77 Section 5.12 Post-Closing 7678 Section 5.13 Beneficial Ownership Regulations 78 ARTICLE VI 6 NEGATIVE COVENANTS 54 SECTION 6.01. Restrictions on Borrowing by Subsidiaries 54 SECTION 6.02. 7678 Section 6.01 Indebtedness 78 Section 6.02 Liens 55 SECTION 6.03. Restrictions on Sale and Lease Back Transactions 56 SECTION 6.04. 79 Section 6.03 Fundamental Changes 56 SECTION 6.05. Transactions with Affiliates 56 SECTION 6.06. Acquisitions 56 SECTION 6.07. Interest Coverage Ratio 57 SECTION 6.08. Net Leverage Ratio 57 81 Section 6.04 Use of Proceeds 83 Section 6.05 Minimum Liquidity 8183 Section 6.06 Restricted Repayments 8183 Section 6.07 Junior Debt Prepayments 8284 ARTICLE VII 7 EVENTS OF DEFAULT 57 SECTION 7.01. 84 Section 7.01 Events of Default 57 SECTION 7.02. Remedies Upon an Event of Default 59 SECTION 7.03. 84 Section 7.02 Application of Payments 60 Funds 8587 ARTICLE VIII 8 THE ADMINISTRATIVE AGENT 60 SECTION 8.01. The AGENTS 8688 Section 8.01 Appointment of the Administrative Agent 60 SECTION 8.028688 Section 8.02 Powers and Duties 88 Section 8.03 General Immunity 8789 Section 8.04 Administrative Agent Entitled to Act as Lender 90 Section 8.05 Lenders’ Representations, Warranties and Acknowledgment 90 Section 8.06 Right to Indemnity 8991 Section 8.07 Successor Administrative Agent. 9092 Section 8.08 Guaranty 92 Section 8.09 Actions in Concert 9193 Section 8.10 Withholding Taxes 93 Section 8.11 Administrative Agent May File Bankruptcy Disclosure and Proofs of Claim 94 Section 8.12 Intercreditor Agreements 94 Section 8.13 Secured Cash Management Agreements and Secured Hedge Agreements 9395 Section 8.14 Certain ERISA Matters 64 SECTION 8.03. Certain Payments 65 95 ARTICLE IX 9 MISCELLANEOUS 66 SECTION 9.01. 9397 Section 9.01 Notices 669397 Section 9.02 Waivers; Amendments 97100 Section 9.03 Expenses; Indemnity; Damage Waiver 99102 Section 9.04 Successors and Assigns 101104 Section 9.05 Survival 105108 Section 9.06 Counterparts; Integration; Effectiveness 106108 Section 9.07 Severability 106108 Section 9.08 Right of Setoff 106109

Payments Generally; Pro Rata Treatment; Sharing of Set. offs 42 SECTION 2.19. Off 4951 Section 2.16 Mitigation Obligations; Replacement of Lenders 44 SECTION 2.205052 Section 2.17 Defaulting Lenders 5153 Section 2.18 Incremental Facility 5355 Section 2.19 Extension of the Maturity Date 5557 Section 2.20 Letters of Credit. Defaulting Lenders. 45 5658 ARTICLE III 3 REPRESENTATIONS AND WARRANTIES 46 SECTION 3.01. 6264 Section 3.01 Organization; Powers 46 SECTION 3.02. 6264 Section 3.02 Authorization; Enforceability 46 SECTION 3.03. 6264 Section 3.03 Governmental Approvals; No Conflicts 46 SECTION 3.04. 6264 Section 3.04 Financial Condition; No Material Adverse Change 46 SECTION 3.05. 6365 Section 3.05 Properties 47 SECTION 3.06. 6365 Section 3.06 Litigation and Environmental Matters 47 SECTION 3.07. 6365 Section 3.07 Compliance with Laws and Agreements 47 SECTION 3.08. Agreements; No Default 6466 Section 3.08 Investment Company Status 48 SECTION 3.09. 6466 Section 3.09 Margin Stock 6466 Section 3.10 Taxes 48 SECTION 3.10. 6466 Section 3.11 ERISA 48 SECTION 3.11. 6466 Section 3.12 Disclosure 48 SECTION 3.12. 6567 Section 3.13 Subsidiaries 6668 Section 3.14 Solvency 6668 Section 3.15 Anti-Corruption Laws, Anti-Money Laundering Laws and Terrorism Law 6668 Section 3.16 FCPA; Sanctions 48 SECTION 3.13. Affected Financial Institutions 48 SECTION 3.14. Margin Regulations 49 6769 Section 3.17 Collateral Matters 6770 Section 3.18 Beneficial Ownership Certification 6870 ARTICLE IV 4 CONDITIONS 49 SECTION 4.01. Closing 6870 Section 4.01 Effective Date 49 SECTION 4.02. Borrowing 51 6870 Section 4.02 Each Credit Event 7072 ARTICLE V 5 AFFIRMATIVE COVENANTS 51 SECTION 5.01. 7073 Section 5.01 Financial Statements Statements; Ratings Change and Other Information 51 SECTION 5.02. 7073 Section 5.02 Notices of Material Events 52 SECTION 5.03. 7274 Section 5.03 Existence; Conduct of Business 52 IF " DOCVARIABLE "SWDocIDLocation" 2" = "1" " DOCPROPERTY "SWDocID" ACTIVE 230252376v.1" "" SECTION 5.04. 7375 Section 5.04 Payment of Obligations 53 SECTION 5.05. Taxes and Other Claims 7375 Section 5.05 Maintenance of Properties; Insurance 53 SECTION 5.06. 7375 Section 5.06 Books and Records; Inspection Rights 53 SECTION 5.07. 7375 Section 5.07 ERISA-Related Information 7476 Section 5.08 Compliance with Laws 53 SECTION 5.08. and Agreements 7476 Section 5.09 Use of Proceeds 53 SECTION 5.09. Litigation Report 53 SECTION 5.10. Covenant to Guarantee Obligations 54 7476 Section 5.10 Additional Guarantors; Additional Collateral 7477 Section 5.11 Holdings 7678 Section 5.12 Post-Closing 7678 ARTICLE VI 6 NEGATIVE COVENANTS 54 SECTION 6.01. Restrictions on Borrowing by Subsidiaries 54 SECTION 6.02. 7679 Section 6.01 Indebtedness 7779 Section 6.02 Liens 55 SECTION 6.03. Restrictions on Sale and Lease Back Transactions 56 SECTION 6.04. 7880 Section 6.03 Fundamental Changes 56 SECTION 6.05. Transactions with Affiliates 56 SECTION 6.06. Acquisitions 56 SECTION 6.07. Interest Coverage Ratio 57 SECTION 6.08. Net Leverage Ratio 57 8082 Section 6.04 Use of Proceeds 8183 Section 6.05 Minimum Liquidity 8183 Section 6.06 Restricted Repayments 8183 Section 6.07 Junior Debt Prepayments 8284 ARTICLE VII 7 EVENTS OF DEFAULT 57 SECTION 7.01. 8385 Section 7.01 Events of Default 57 SECTION 7.02. Remedies Upon an Event of Default 59 SECTION 7.03. 8385 Section 7.02 Application of Payments 60 Funds 8587 ARTICLE VIII 8 THE ADMINISTRATIVE AGENT 60 SECTION 8.01AGENTS 8688 Section 8.01 Appointment of the Administrative Agent 8688 Section 8.02 Powers and Duties 8789 Section 8.03 General Immunity 8789 Section 8.04 Administrative Agent Entitled to Act as Lender 8991 Section 8.05 Lenders’ Representations, Warranties and Acknowledgment 8991 Section 8.06 Right to Indemnity 8992 Section 8.07 Successor Administrative Agent 9092 Section 8.08 Guaranty 9193 Section 8.09 Actions in Concert 9194 Section 8.10 Withholding Taxes 9294 Section 8.11 Administrative Agent May File Bankruptcy Disclosure and Proofs of Claim 9294 Section 8.12 Intercreditor Agreements 9395 Section 8.13 Secured Cash Management Agreements and Secured Hedge Agreements 9395 ARTICLE 9 MISCELLANEOUS 9397 Section 9.01 Notices 9397 Section 9.02 Waivers; Amendments 97101 Section 9.03 Expenses; Indemnity; Damage Waiver 99103 Section 9.04 Successors and Assigns 101104 Section 9.05 Survival 105109 Section 9.06 Counterparts; Integration; Effectiveness 106109 Section 9.07 Severability 106109 Section 9.08 Right of Setoff 106109 Section 9.09 Governing Law; Jurisdiction; Consent to Service of Process 107110 Section 9.10 Waiver Of Jury Trial 107110 Section 9.11 Headings 108111 Section 9.12 Confidentiality 108111 Section 9.13 Interest Rate Limitation 109112 Section 9.14 No Advisory or Fiduciary Responsibility 109113 Section 9.15 Electronic Execution of Assignments and Certain Other Documents 110113 Section 9.16 USA XXXXXXX Xxx 000000 Section 9.17 Release of Guarantors; Release of Collateral 110114 Section 9.18 Acknowledgement and Consent to Bail-In of EEA Financial Institutions 112115 Schedules Schedule 2.01 Lenders, Revolving Commitments and Letter of Credit Issuer Sublimit Schedules to the Disclosure Letter Schedule 3.11 Plans Schedule 3.13 Capitalization Schedule 6.01 Specified Indebtedness Schedule 6.02 Existing Liens Exhibits Exhibit A Form of Assignment and Assumption Exhibit B Form of Borrowing Request Exhibit C Form of Interest Election Request Exhibit D-1 Form of Revolving Note Exhibit D-2 [Reserved] Exhibit E-1 Form of Guaranty Exhibit E-2 Form of Holdings Guaranty Exhibit F Form of Compliance Certificate Exhibit G [Reserved] Exhibit H-1 Form of U.S. Tax Compliance Certificate Exhibit H-2 Form of U.S. Tax Compliance Certificate Exhibit H-3 Form of U.S. Tax Compliance Certificate Exhibit H-4 Form of U.S. Tax Compliance Certificate REVOLVING CREDIT AGREEMENT dated as of June 26, 2015 among UBER TECHNOLOGIES, INC., as the Borrower, the LENDERS party hereto and XXXXXX XXXXXXX SENIOR FUNDING, INC., as the Administrative Agent. The Administrative Agent 60 SECTION 8.02Borrower (such term and each other capitalized term used and not otherwise defined in these recitals having the meaning assigned to it in Article 1), has requested the Lenders to make Loans to the Borrower on a revolving credit basis on and after the date hereof and at any time and from time to time prior to the Maturity Date. Certain ERISA Matters 64 SECTION 8.03The proceeds of borrowings hereunder, together with the issuance of any letter of credit, are to be used for the purposes described in Section 5.09. Certain Payments 65 ARTICLE IX MISCELLANEOUS 66 SECTION 9.01The Lenders are willing to establish the credit facility referred to in the preceding paragraph upon the terms and subject to the conditions set forth herein. Notices 66Accordingly, for valuable consideration of the mutual covenants and agreements herein contained, the parties hereto covenant and agree as follows:

Payments Generally; Pro Rata Treatment; Sharing of Set. offs 42 SECTION 2.19. Off 4951 Section 2.16 Mitigation Obligations; Replacement of Lenders 44 SECTION 2.205052 Section 2.17 Defaulting Lenders 5153 Section 2.18 Incremental Facility 5355 Section 2.19 Extension of the Maturity Date 5557 Section 2.20 Letters of Credit. Defaulting Lenders. 45 5658 ARTICLE III 3 REPRESENTATIONS AND WARRANTIES 46 SECTION 3.01. 6264 Section 3.01 Organization; Powers 46 SECTION 3.02. 6264 Section 3.02 Authorization; Enforceability 46 SECTION 3.03. 6264 Section 3.03 Governmental Approvals; No Conflicts 46 SECTION 3.04. 6264 Section 3.04 Financial Condition; No Material Adverse Change 46 SECTION 3.05. 6365 Section 3.05 Properties 47 SECTION 3.06. 6365 Section 3.06 Litigation and Environmental Matters 47 SECTION 3.07. 6365 Section 3.07 Compliance with Laws and Agreements 47 SECTION 3.08. Agreements; No Default 6466 Confidential Treatment Requested by Uber Technologies, Inc. Pursuant to 17 C.F.R. Section 200.83 Section 3.08 Investment Company Status 48 SECTION 3.09. 6466 Section 3.09 Margin Stock 6466 Section 3.10 Taxes 48 SECTION 3.10. 6466 Section 3.11 ERISA 48 SECTION 3.11. 6466 Section 3.12 Disclosure 48 SECTION 3.12. 6567 Section 3.13 Subsidiaries 6668 Section 3.14 Solvency 6668 Section 3.15 Anti-Corruption Laws, Anti-Money Laundering Laws and Terrorism Law 6668 Section 3.16 FCPA; Sanctions 48 SECTION 3.13. Affected Financial Institutions 48 SECTION 3.14. Margin Regulations 49 6769 Section 3.17 Collateral Matters 6770 Section 3.18 Beneficial Ownership Certification 6870 ARTICLE IV 4 CONDITIONS 49 SECTION 4.01. Closing 6870 Section 4.01 Effective Date 49 SECTION 4.02. Borrowing 51 6870 Section 4.02 Each Credit Event 7072 ARTICLE V 5 AFFIRMATIVE COVENANTS 51 SECTION 5.01. 7073 Section 5.01 Financial Statements Statements; Ratings Change and Other Information 51 SECTION 5.02. 7073 Section 5.02 Notices of Material Events 52 SECTION 5.03. 7274 Section 5.03 Existence; Conduct of Business 52 IF " DOCVARIABLE "SWDocIDLocation" 2" = "1" " DOCPROPERTY "SWDocID" ACTIVE 230252376v.1" "" SECTION 5.04. 7375 Section 5.04 Payment of Obligations 53 SECTION 5.05. Taxes and Other Claims 7375 Section 5.05 Maintenance of Properties; Insurance 53 SECTION 5.06. 7375 Section 5.06 Books and Records; Inspection Rights 53 SECTION 5.07. 7375 Section 5.07 ERISA-Related Information 7476 Section 5.08 Compliance with Laws 53 SECTION 5.08. and Agreements 7476 Section 5.09 Use of Proceeds 53 SECTION 5.09. Litigation Report 53 SECTION 5.10. Covenant to Guarantee Obligations 54 7476 Section 5.10 Additional Guarantors; Additional Collateral 7477 Section 5.11 Holdings 7678 Section 5.12 Post-Closing 7678 ARTICLE VI 6 NEGATIVE COVENANTS 54 SECTION 6.01. Restrictions on Borrowing by Subsidiaries 54 SECTION 6.02. 7679 Section 6.01 Indebtedness 7779 Section 6.02 Liens 55 SECTION 6.03. Restrictions on Sale and Lease Back Transactions 56 SECTION 6.04. 7880 Section 6.03 Fundamental Changes 56 SECTION 6.05. Transactions with Affiliates 56 SECTION 6.06. Acquisitions 56 SECTION 6.07. Interest Coverage Ratio 57 SECTION 6.08. Net Leverage Ratio 57 8082 Section 6.04 Use of Proceeds 8183 Section 6.05 Minimum Liquidity 8183 Section 6.06 Restricted Repayments 8183 Section 6.07 Junior Debt Prepayments 8284 ARTICLE VII 7 EVENTS OF DEFAULT 57 SECTION 7.01. 8385 Section 7.01 Events of Default 57 SECTION 7.02. Remedies Upon an Event of Default 59 SECTION 7.03. 8385 Section 7.02 Application of Payments 60 Funds 8587 Confidential Treatment Requested by Uber Technologies, Inc. Pursuant to 17 C.F.R. Section 200.83 ARTICLE VIII 8 THE ADMINISTRATIVE AGENT 60 SECTION 8.01AGENTS 8688 Section 8.01 Appointment of the Administrative Agent 8688 Section 8.02 Powers and Duties 8789 Section 8.03 General Immunity 8789 Section 8.04 Administrative Agent Entitled to Act as Lender 8991 Section 8.05 Lenders’ Representations, Warranties and Acknowledgment 8991 Section 8.06 Right to Indemnity 8992 Section 8.07 Successor Administrative Agent 9092 Section 8.08 Guaranty 9193 Section 8.09 Actions in Concert 9194 Section 8.10 Withholding Taxes 9294 Section 8.11 Administrative Agent May File Bankruptcy Disclosure and Proofs of Claim 9294 Section 8.12 Intercreditor Agreements 9395 Section 8.13 Secured Cash Management Agreements and Secured Hedge Agreements 9395 ARTICLE 9 MISCELLANEOUS 9397 Section 9.01 Notices 9397 Section 9.02 Waivers; Amendments 97101 Section 9.03 Expenses; Indemnity; Damage Waiver 99103 Section 9.04 Successors and Assigns 101104 Section 9.05 Survival 105109 Section 9.06 Counterparts; Integration; Effectiveness 106109 Section 9.07 Severability 106109 Section 9.08 Right of Setoff 106109 Section 9.09 Governing Law; Jurisdiction; Consent to Service of Process 107110 Section 9.10 Waiver Of Jury Trial 107110 Section 9.11 Headings 108111 Section 9.12 Confidentiality 108111 Section 9.13 Interest Rate Limitation 109112 Section 9.14 No Advisory or Fiduciary Responsibility 109113 Section 9.15 Electronic Execution of Assignments and Certain Other Documents 110113 Section 9.16 USA XXXXXXX Xxx 000000 Section 9.17 Release of Guarantors; Release of Collateral 110114 Section 9.18 Acknowledgement and Consent to Bail-In of EEA Financial Institutions 112115 Confidential Treatment Requested by Uber Technologies, Inc. Pursuant to 17 C.F.R. Section 200.83 Schedules Schedule 2.01 Lenders, Revolving Commitments and Letter of Credit Issuer Sublimit Schedules to the Disclosure Letter Schedule 3.11 Plans Schedule 3.13 Capitalization Schedule 6.01 Specified Indebtedness Schedule 6.02 Existing Liens Exhibits Exhibit A Form of Assignment and Assumption Exhibit B Form of Borrowing Request Exhibit C Form of Interest Election Request Exhibit D-1 Form of Revolving Note Exhibit D-2 [Reserved] Exhibit E-1 Form of Guaranty Exhibit E-2 Form of Holdings Guaranty Exhibit F Form of Compliance Certificate Exhibit G [Reserved] Exhibit H-1 Form of U.S. Tax Compliance Certificate Exhibit H-2 Form of U.S. Tax Compliance Certificate Exhibit H-3 Form of U.S. Tax Compliance Certificate Exhibit H-4 Form of U.S. Tax Compliance Certificate Confidential Treatment Requested by Uber Technologies, Inc. Pursuant to 17 C.F.R. Section 200.83 REVOLVING CREDIT AGREEMENT dated as of June 26, 2015 among UBER TECHNOLOGIES, INC., as the Borrower, the LENDERS party hereto and XXXXXX XXXXXXX SENIOR FUNDING, INC., as the Administrative Agent. The Administrative Agent 60 SECTION 8.02Borrower (such term and each other capitalized term used and not otherwise defined in these recitals having the meaning assigned to it in Article 1), has requested the Lenders to make Loans to the Borrower on a revolving credit basis on and after the date hereof and at any time and from time to time prior to the Maturity Date. Certain ERISA Matters 64 SECTION 8.03The proceeds of borrowings hereunder, together with the issuance of any letter of credit, are to be used for the purposes described in Section 5.09. Certain Payments 65 ARTICLE IX MISCELLANEOUS 66 SECTION 9.01The Lenders are willing to establish the credit facility referred to in the preceding paragraph upon the terms and subject to the conditions set forth herein. Notices 66Accordingly, for valuable consideration of the mutual covenants and agreements herein contained, the parties hereto covenant and agree as follows:

Payments Generally; Pro Rata Treatment; Sharing of Set. offs 42 SECTION 2.19. Mitigation Obligations62 Section 4.02 Presumption of Payment by the Borrower 63 Section 4.03 Certain Deductions by the Administrative Agent 64 Section 4.04 Disposition of Proceeds 64 ARTICLE V Increased Costs; Break Funding Payments; Taxes 64 Section 5.01 Increased Costs 64 Section 5.02 Break Funding Payments 65 Section 5.03 Taxes 66 Section 5.04 Designation of Different Lending Office 70 Section 5.05 Replacement of Lenders 44 SECTION 2.20. Defaulting Lenders. 45 70 Section 5.06 Illegality 71 ARTICLE III REPRESENTATIONS AND WARRANTIES 46 SECTION 3.01. VI Conditions Precedent 71 Section 6.01 Effective Date 71 Section 6.02 Each Credit Event 76 Section 6.03 Additional Conditions to Credit Event 77 ARTICLE VII Representations and Warranties 77 Section 7.01 Organization; Powers 46 SECTION 3.02. Authorization77 Section 7.02 Authority; Enforceability 46 SECTION 3.03. Governmental 77 Section 7.03 Approvals; No Conflicts 46 SECTION 3.04. 77 Section 7.04 Financial Condition; No Material Adverse Change 46 SECTION 3.05. Properties 47 SECTION 3.06. 78 Section 7.05 Litigation and 78 Section 7.06 Environmental Matters 47 SECTION 3.07. 79 Section 7.07 Compliance with the Laws and Agreements 47 SECTION 3.08. Agreements; No Defaults 80 Section 7.08 Investment Company Status 48 SECTION 3.09Act 80 Section 7.09 No Margin Stock Activities 80 Section 7.10 Taxes 80 Section 7.11 ERISA 81 Section 7.12 Disclosure; No Material Misstatements 82 Section 7.13 Insurance 82 Section 7.14 Restriction on Liens 82 Section 7.15 Subsidiaries 83 Section 7.16 Location of Business and Offices 83 Section 7.17 Properties; Titles, Etc. Taxes 48 SECTION 3.10. ERISA 48 SECTION 3.11. Disclosure 48 SECTION 3.12. 84 Section 7.18 Maintenance of Properties 85 Section 7.19 Gas Imbalances 86 Section 7.20 Marketing of Production 86 Section 7.21 Swap Agreements and Qualified ECP Guarantor 86 Section 7.22 Solvency 87 Section 7.23 Anti-Corruption Laws, Anti-Money Laundering Laws and Sanctions 48 SECTION 3.13. Affected 87 Section 7.24 Broker-Dealer Subsidiaries 87 ARTICLE VIII Affirmative Covenants 89 Section 8.01 Financial Institutions 48 SECTION 3.14. Margin Regulations 49 ARTICLE IV CONDITIONS 49 SECTION 4.01. Closing Date 49 SECTION 4.02. Borrowing 51 ARTICLE V AFFIRMATIVE COVENANTS 51 SECTION 5.01. Financial Statements and Statements; Other Information 51 SECTION 5.02. 89 Section 8.02 Notices of Material Events 52 SECTION 5.03. 93 Section 8.03 Existence; Conduct of Business 52 IF " DOCVARIABLE "SWDocIDLocation" 2" = "1" " DOCPROPERTY "SWDocID" ACTIVE 230252376v.1" "" SECTION 5.04. 94 Section 8.04 Payment of Obligations 53 SECTION 5.05. 94 Section 8.05 Operation and Maintenance of Properties; Properties 94 Section 8.06 Insurance 53 SECTION 5.06. 95 Section 8.07 Books and Records; Inspection Rights 53 SECTION 5.07. 95 Section 8.08 Compliance with Laws 53 SECTION 5.08. 95 Section 8.09 Environmental Matters 95 Section 8.10 Further Assurances 97 Section 8.11 Reserve Reports 97 Section 8.12 Title Information 98 Section 8.13 Additional Collateral; Additional Guarantors 100 Section 8.14 ERISA Compliance 102 Section 8.15 Use of Proceeds 53 SECTION 5.09. Litigation Report 53 SECTION 5.10. Covenant to Guarantee Obligations 54 ARTICLE VI NEGATIVE COVENANTS 54 SECTION 6.01. Restrictions on Borrowing by Subsidiaries 54 SECTION 6.02. Liens 55 SECTION 6.03. Restrictions on Sale and Lease Back Transactions 56 SECTION 6.04. Fundamental Changes 56 SECTION 6.05. Transactions with Affiliates 56 SECTION 6.06. Acquisitions 56 SECTION 6.07. Interest Coverage Ratio 57 SECTION 6.08. Net Leverage Ratio 57 ARTICLE VII EVENTS OF DEFAULT 57 SECTION 7.01. Events 102 Section 8.16 Swap Agreements for MGP Volumes 102 Section 8.17 Swap Agreements 103 Section 8.18 Commodity Exchange Act Keepwell Provisions 103 Section 8.19 Tax Status 103 Section 8.20 Notice of Default 57 SECTION 7.02. Remedies Upon an Event of Default 59 SECTION 7.03. Application of Payments 60 ARTICLE VIII THE ADMINISTRATIVE AGENT 60 SECTION 8.01. The Administrative Agent 60 SECTION 8.02. Certain ERISA Matters 64 SECTION 8.03. Certain Payments 65 Tax Audits 104 Section 8.21 Asset Sales Strategy 104 ARTICLE IX MISCELLANEOUS 66 SECTION 9.01. Notices 66Negative Covenants 104 Section 9.01 Financial Covenants 104 Section 9.02 Debt 105 Section 9.03 Liens 107

Payments Generally; Pro Rata Treatment; Sharing of Set. offs 42 SECTION 2.1972 Section 2.22. Letters of Credit 74 Section 2.23. Increase of Commitments; Additional Lenders 79 Section 2.24. Mitigation Obligations; of Obligations 84 Section 2.25. Replacement of Lenders 44 SECTION 2.2084 Section 2.26. Defaulting LendersLenders 84 Section 2.27. 45 ARTICLE Request for Extended Facilities 88 Article III CONDITIONS PRECEDENT TO LOANS AND LETTERS OF CREDIT; ADDITIONS OF BORROWING BASE ASSETS 90 Section 3.1. Conditions to Effectiveness 91 Section 3.2. Conditions to Each Credit Event 94 Section 3.3. Delivery of Documents 94 Section 3.4. Removal of Borrowing Base Assets and Releases of Loan Parties 94 Article IV REPRESENTATIONS AND WARRANTIES 46 SECTION 3.0195 Section 4.1. Organization; Powers 46 SECTION 3.02Due Organization and Good Standing 96 Section 4.2. Power and Authority, Due Authorization; , Execution, Delivery and Enforceability 46 SECTION 3.0396 Section 4.3. Governmental and Third Party Consents and Approvals; No Conflicts 46 SECTION 3.0496 Section 4.4. Financial ConditionStatements; No Material Adverse Change 46 SECTION 3.05. Properties 47 SECTION 3.0696 Section 4.5. Litigation and Environmental Matters 47 SECTION 3.0797 Section 4.6. Compliance with Laws and Agreements 47 SECTION 3.0898 Section 4.7. Investment Company Status 48 SECTION 3.09Act 99 Section 4.8. Taxes 48 SECTION 3.10. ERISA 48 SECTION 3.11. Disclosure 48 SECTION 3.12. Anti-Corruption Laws, Anti-Money Laundering Laws and Sanctions 48 SECTION 3.13. Affected Financial Institutions 48 SECTION 3.1499 Section 4.9. Margin Regulations 49 ARTICLE IV CONDITIONS 49 SECTION 4.0199 Section 4.10. Closing Date 49 SECTION 4.02ERISA 100 Section 4.11. Borrowing 51 ARTICLE Ownership of Property 100 Section 4.12. Accuracy of Disclosure 102 Section 4.13. Labor Relations 102 Section 4.14. Subsidiaries 102 Section 4.15. Solvency 103 Section 4.16. Insurance 103 Section 4.17. Reserved 103 Section 4.18. Real Property Assets; Leases 103 Section 4.19. Assignment of Claims Act 104 Section 4.20. Healthcare Matters 104 Section 4.21. OFAC 108 Section 4.22. Patriot Act 108 Section 4.23. No Default 108 Section 4.24. Intellectual Property 108 Section 4.25. REIT Status 108 Section 4.26. EEA Financial Institution 108 Article V AFFIRMATIVE COVENANTS 51 SECTION 5.01108 Section 5.1. Financial Statements and Other Information 51 SECTION 5.02109 Section 5.2. Notices of Material Events 52 SECTION 5.03111 Section 5.3. Existence; Conduct of Business 52 IF " DOCVARIABLE "SWDocIDLocation" 2" = "1" " DOCPROPERTY "SWDocID" ACTIVE 230252376v.1" "" SECTION 5.04. Payment of Obligations 53 SECTION 5.05. Maintenance of Properties; Insurance 53 SECTION 5.06. Books and Records; Inspection Rights 53 SECTION 5.07114 Section 5.4. Compliance with Laws 53 SECTION 5.08114 Section 5.5. Payment of Taxes and Other Obligations 114 Section 5.6. Books and Records 115 Section 5.7. Visitation and Inspection 115 Section 5.8. Maintenance of Properties 115 Section 5.9. Insurance 116 Section 5.10. Use of Proceeds 53 SECTION 5.09Proceeds; Margin Regulations 116 Section 5.11. Litigation Report 53 SECTION 5.10Casualty and Condemnation 116 Section 5.12. Covenant to Guarantee Obligations 54 ARTICLE Additional Subsidiaries 116 Section 5.13. REIT Status 118 Section 5.14. Further Assurances 118 Section 5.15. Healthcare Matters 118 Section 5.16. Environmental Matters 119 Section 5.17. Borrowing Base Additions 120 Section 5.18. Borrowing Base Assets 121 Section 5.19. Borrowing Base Leases 121 Section 5.20. Borrowing Base Certificates 122 Section 5.21. Eligible Ground Leases 122 Section 5.22. Borrowing Base Covenants 123 Section 5.23. Post-Closing Matters 124 Article VI FINANCIAL COVENANTS 124 Section 6.1. Consolidated Leverage Ratio 125 Section 6.2. Consolidated Fixed Charge Coverage Ratio 125 Section 6.3. Consolidated Tangible Net Worth 125 Section 6.4. Distribution Limitation 125 Section 6.5. Secured Debt 125 Section 6.6. Recourse Debt 125 Article VII NEGATIVE COVENANTS 54 SECTION 6.01126 Section 7.1. Restrictions on Borrowing by Subsidiaries 54 SECTION 6.02Indebtedness and Preferred Equity 126 Section 7.2. Liens 55 SECTION 6.03. Restrictions on Sale and Lease Back Transactions 56 SECTION 6.04128 Section 7.3. Fundamental Changes 56 SECTION 6.05130 Section 7.4. Investments, Loans 130 Section 7.5. Restricted Payments 132 Section 7.6. Sale of Assets 133 Section 7.7. Transactions with Affiliates 56 SECTION 6.06134 Section 7.8. Acquisitions 56 SECTION 6.07Restrictive Agreements 136 Section 7.9. Interest Coverage Ratio 57 SECTION 6.08Sale and Leaseback Transactions 136 Section 7.10. Net Leverage Ratio 57 ARTICLE VII Hedging Transactions 137 Section 7.11. Amendment to Organizational Documents 137 Section 7.12. RESERVED 137 Section 7.13. Business 137 Section 7.14. Accounting Changes 137 Section 7.15. Government Regulation 137 Section 7.16. Limited Activities of GP LLC 138 Article VIII EVENTS OF DEFAULT 57 SECTION 7.01138 Section 8.1. Events of Default 57 SECTION 7.02. Remedies Upon an Event of Default 59 SECTION 7.03138 Section 8.2. Application of Payments 60 ARTICLE VIII Proceeds 141 Article IX THE ADMINISTRATIVE AGENT 60 SECTION 8.01142 Section 9.1. Appointment of the Administrative Agent 143 Section 9.2. Nature of Duties of the Administrative Agent 144 Section 9.3. Lack of Reliance on the Administrative Agent 145 Section 9.4. Certain Rights of the Administrative Agent 145 Section 9.5. Reliance by the Administrative Agent 145 Section 9.6. The Administrative Agent 60 SECTION 8.02in its Individual Capacity 145 Section 9.7. Certain ERISA Successor Administrative Agent 145 Section 9.8. Withholding Tax 146 Section 9.9. The Administrative Agent May File Proofs of Claim 147 Section 9.10. Authorization to Execute Other Loan Documents 148 Section 9.11. Collateral and Guaranty Matters 64 SECTION 8.03148 Section 9.12. Certain Payments 65 ARTICLE IX Co-Documentation Agents; Co-Syndication Agent 149 Section 9.13. Reserved 149 Section 9.14. Bank Product Obligations and Hedging Obligations 149 Article X MISCELLANEOUS 66 SECTION 9.01149 Section 10.1. Notices 66149 Section 10.2. Waiver; Amendments 153 Section 10.3. Expenses; Indemnification 156 Section 10.4. Successors and Assigns 158 Section 10.5. Governing Law; Jurisdiction; Consent to Service of Process. 163

Payments Generally; Pro Rata Treatment; Sharing of Set. offs 42 30 SECTION 2.19. 2.19 Mitigation Obligations; Replacement of Lenders 44 SECTION 2.20. Defaulting Lenders. 45 32 ARTICLE III REPRESENTATIONS AND WARRANTIES 46 Representations and Warranties 32 SECTION 3.01. 3.1 Organization; Powers 46 32 SECTION 3.02. 3.2 Authorization; Enforceability 46 32 SECTION 3.03. 3.3 Governmental Approvals; No Conflicts 46 33 SECTION 3.04. 3.4 Financial Condition; No Material Adverse Change 46 Effect 33 SECTION 3.05. 3.5 Properties 47 33 SECTION 3.06. 3.6 Litigation and Environmental Matters 47 33 SECTION 3.07. 3.7 Compliance with Laws and Agreements 47 34 SECTION 3.08. 3.8 Investment Company Status 48 34 SECTION 3.09. 3.9 Taxes 48 34 SECTION 3.10. 3.10 ERISA 48 34 SECTION 3.11. 3.11 Disclosure 48 34 SECTION 3.12. 3.12 Subsidiaries 35 SECTION 3.13 Solvency 35 SECTION 3.14 Senior Indebtedness 35 SECTION 3.15 Use of Proceeds; Margin Regulations; Anti-Corruption Laws, Anti-Money Laundering Laws and Sanctions 48 SECTION 3.13. Affected Financial Institutions 48 SECTION 3.14. Margin Regulations 49 35 ARTICLE IV CONDITIONS 49 Conditions 36 SECTION 4.01. Closing 4.1 Effective Date 49 36 SECTION 4.02. Borrowing 51 4.2 Each Credit Event 37 ARTICLE V AFFIRMATIVE COVENANTS 51 Affirmative Covenants 37 SECTION 5.01. 5.1 Financial Statements and Other Information 51 37 SECTION 5.02. 5.2 Notices of Material Events 52 38 SECTION 5.03. 5.3 Existence; Conduct of Business 52 IF " DOCVARIABLE "SWDocIDLocation" 2" = "1" " DOCPROPERTY "SWDocID" ACTIVE 230252376v.1" "" 38 SECTION 5.04. 5.4 Payment of Obligations 53 39 SECTION 5.05. 5.5 Maintenance of Properties; Insurance 53 39 SECTION 5.06. 5.6 Books and Records; Inspection and Audit Rights 53 39 SECTION 5.07. 5.7 Compliance with Laws 53 and Agreements 39 SECTION 5.085.8 Intellectual Property 39 SECTION 5.9 Environmental Laws 40 SECTION 5.10 Future Guarantors. 40 ARTICLE VI Negative Covenants 40 SECTION 6.1 Financial Condition Covenants 41 SECTION 6.2 Priority Debt 41 SECTION 6.3 Liens 41 SECTION 6.4 Fundamental Changes 42 SECTION 6.5 Asset Sales 43 SECTION 6.6 Restricted Payments; Certain Payments of Subordinated Indebtedness 43 SECTION 6.7 Limitations on Modifications of Subordinated Indebtedness 44 SECTION 6.8 Transactions with Affiliates 44 SECTION 6.9 Restrictive Agreements 44 SECTION 6.10 Use of Proceeds 53 SECTION 5.09. Litigation Report 53 SECTION 5.10. Covenant to Guarantee Obligations 54 ARTICLE VI NEGATIVE COVENANTS 54 SECTION 6.01. Restrictions on Borrowing by Subsidiaries 54 SECTION 6.02. Liens 55 SECTION 6.03. Restrictions on Sale and Lease Back Transactions 56 SECTION 6.04. Fundamental Changes 56 SECTION 6.05. Transactions with Affiliates 56 SECTION 6.06. Acquisitions 56 SECTION 6.07. Interest Coverage Ratio 57 SECTION 6.08. Net Leverage Ratio 57 45 ARTICLE VII EVENTS OF DEFAULT 57 SECTION 7.01. Events of Default 57 SECTION 7.02. Remedies Upon an Event of Default 59 SECTION 7.03. Application of Payments 60 45 ARTICLE VIII THE ADMINISTRATIVE AGENT 60 SECTION 8.01. The Administrative Agent 60 SECTION 8.02. Certain ERISA Matters 64 SECTION 8.03. Certain Payments 65 48 ARTICLE IX MISCELLANEOUS 66 Miscellaneous 49 SECTION 9.019.1 Notices 49 SECTION 9.2 Waivers; Amendments 50 SECTION 9.3 Judgment Currency 51 SECTION 9.4 Expenses; Indemnity; Damage Waiver 51 SECTION 9.5 Successors and Assigns; Participations and Assignments 52 SECTION 9.6 Survival 55 SECTION 9.7 Counterparts; Integration; Effectiveness 55 SECTION 9.8 Severability 55 SECTION 9.9 Right of Setoff 55 SECTION 9.10 Governing Law; Jurisdiction; Consent to Service of Process 56 SECTION 9.11 WAIVER OF JURY TRIAL 56 SECTION 9.12 Headings 56 SECTION 9.13 Confidentiality 56 iii SECTION 9.14 Releases of Guarantees 57 SECTION 9.15 USA Patriot Act 57 SCHEDULES: Schedule 1.1 — Subsidiary Guarantors Schedule 2.1 — Commitments Schedule 3.6 — Disclosed Matters Schedule 3.12 — Subsidiaries EXHIBITS: Exhibit A — Form of Assignment and Assumption Exhibit B-1 — Form of Opinion of General Counsel Exhibit B-2 — Form of Opinion of Xxxxxx, Xxxx & Xxxxxxxx LLP Exhibit C — Form of Subsidiary Guarantee Exhibit D — Form of Affiliate Subordinated Note Exhibit E — Form of U.S. Tax Certificate CREDIT AGREEMENT, dated as of March 24, 2015 (this “Agreement”), among COTY INC., a Delaware corporation (the “Borrower”), the banks, financial institutions or other entities from time to time parties to this Agreement (as more specifically defined below, the “Lenders”), BANK OF AMERICA, N.A., BNP PARIBAS, CREDIT AGRICOLE CORPORATE & INVESTMENT BANK , ING BANK, N.V., XXXXXX XXXXXXX MUFG LOAN PARTNERS, LLC AND XXXXX FARGO BANK, N.A., as syndication agents (in such capacities, the “Syndication Agents”) and JPMORGAN CHASE BANK, N.A., as administrative agent. Notices 66The parties hereto hereby agree as follows:

Payments Generally; Pro Rata Treatment; Sharing of Set. offs 42 SECTION 2.19. 115 Section 2.20 Mitigation Obligations; Replacement of Lenders 44 SECTION 2.20. 118 Section 2.21 Incremental Revolving Facility Commitments 119 Section 2.22 Illegality 122 Section 2.23 Defaulting Lenders. 45 Lender 123 ARTICLE III REPRESENTATIONS AND WARRANTIES 46 SECTION 3.01. Representations and Warranties 125 Section 3.01 Organization; Powers 46 SECTION 3.02. Authorization; 125 Section 3.02 Authorization 125 Section 3.03 Enforceability 46 SECTION 3.03. 126 Section 3.04 Governmental Approvals; No Conflicts 46 SECTION 3.04. Approvals 126 Section 3.05 Financial Condition; Statements 126 Section 3.06 No Material Adverse Change 46 SECTION 3.05. Properties 47 SECTION 3.06. Litigation and Environmental Matters 47 SECTION 3.07. or Material Adverse Effect 127 Section 3.07 Title to Properties; Possession Under Leases 127 Section 3.08 Subsidiaries 128 Section 3.09 Litigation; Compliance with Laws and Agreements 47 SECTION 3.08. 128 Section 3.10 Federal Reserve Regulations 129 Section 3.11 Investment Company Status 48 SECTION 3.09. Taxes 48 SECTION 3.10. ERISA 48 SECTION 3.11. Disclosure 48 SECTION 3.12. Anti-Corruption Laws, Anti-Money Laundering Laws and Sanctions 48 SECTION 3.13. Affected Financial Institutions 48 SECTION 3.14. Margin Regulations 49 ARTICLE IV CONDITIONS 49 SECTION 4.01. Closing Date 49 SECTION 4.02. Borrowing 51 ARTICLE V AFFIRMATIVE COVENANTS 51 SECTION 5.01. Financial Statements and Other Information 51 SECTION 5.02. Notices of Material Events 52 SECTION 5.03. Existence; Conduct of Business 52 IF " DOCVARIABLE "SWDocIDLocation" 2" = "1" " DOCPROPERTY "SWDocID" ACTIVE 230252376v.1" "" SECTION 5.04. Payment of Obligations 53 SECTION 5.05. Maintenance of Properties; Insurance 53 SECTION 5.06. Books and Records; Inspection Rights 53 SECTION 5.07. Compliance with Laws 53 SECTION 5.08. Act 129 Section 3.12 Use of Proceeds 53 SECTION 5.09129 Section 3.13 Tax Returns 129 Section 3.14 No Material Misstatements 130 Section 3.15 Employee Benefit Plans 130 Section 3.16 Environmental Matters 131 Section 3.17 Security Documents 132 Section 3.18 Location of Real Property 134 Section 3.19 Solvency 134 Section 3.20 Labor Matters 134 Section 3.21 No Default 135 Section 3.22 Intellectual Property; Licenses, Etc. Litigation Report 53 SECTION 5.10. Covenant to Guarantee Obligations 54 135 Section 3.23 Insurance 135 Section 3.24 Senior Debt 135 Section 3.25 Financial Assistance 135 Section 3.26 Anti-Terrorism Laws 135 Section 3.27 Foreign Corrupt Practices Act 136 Section 3.28 Centre of Main Interest 136 ARTICLE VI NEGATIVE COVENANTS 54 SECTION 6.01. Restrictions on Borrowing by Subsidiaries 54 SECTION 6.02. Liens 55 SECTION 6.03. Restrictions on Sale and Lease Back Transactions 56 SECTION 6.04. Fundamental Changes 56 SECTION 6.05. Transactions with Affiliates 56 SECTION 6.06. Acquisitions 56 SECTION 6.07. Interest Coverage Ratio 57 SECTION 6.08. Net Leverage Ratio 57 ARTICLE VII EVENTS OF DEFAULT 57 SECTION 7.01. IV Conditions of Lending 136 Section 4.01 All Credit Events of Default 57 SECTION 7.02. Remedies Upon an Event of Default 59 SECTION 7.03. Application of Payments 60 ARTICLE VIII THE ADMINISTRATIVE AGENT 60 SECTION 8.01. The Administrative Agent 60 SECTION 8.02. Certain ERISA Matters 64 SECTION 8.03. Certain Payments 65 ARTICLE IX MISCELLANEOUS 66 SECTION 9.01. Notices 66136 Section 4.02 [Reserved] 137

Payments Generally; Pro Rata Treatment; Sharing of Set. offs 42 SECTION 2.19Section 2.18. Mitigation Obligations; Replacement of Lenders 44 SECTION 2.20Section 2.19. Defaulting Lenders. 45 Increase in the Aggregate Commitments 47 ARTICLE III REPRESENTATIONS AND WARRANTIES 46 SECTION 49 Section 3.01. Organization; Powers 46 SECTION Existence and Power Section 3.02. Corporate and Governmental Authorization; Enforceability 46 SECTION No Contravention 49 Section 3.03. Governmental Approvals; No Conflicts 46 SECTION Binding Effect 49 Section 3.04. Financial Condition; No Material Adverse Change 46 SECTION Information -i- TABLE OF CONTENTS (continued) Page Section 3.05. Properties 47 SECTION Litigation 50 Section 3.06. Litigation and Compliance with ERISA 50 Section 3.07. Taxes 50 Section 3.08. Environmental Matters 47 SECTION 3.07Compliance 50 Section 3.09. Properties 51 Section 3.10. Compliance with Laws and Agreements 47 SECTION 3.0852 Section 3.11. Investment and Holding Company Status 48 SECTION 3.09. Taxes 48 SECTION 3.10. ERISA 48 SECTION 3.11. Disclosure 48 SECTION 52 Section 3.12. Anti-Corruption Laws, Anti-Money Laundering Laws and Sanctions 48 SECTION Full Disclosure 52 Section 3.13. Affected Financial Institutions 48 SECTION Security Interest 52 Section 3.14. Margin Regulations 49 Solvency 52 Section 3.15. Employee Matters Section 3.16. Subsidiaries Section 3.17. No Change in Credit Criteria or Collection Policies Section 3.18. Processors Section 3.19. Senior Notes Indentures; Debentures Indenture ARTICLE IV CONDITIONS 49 SECTION 54 Section 4.01. Closing Effective Date 49 SECTION Section 4.02. Borrowing 51 Each Credit Event ARTICLE V AFFIRMATIVE COVENANTS 51 SECTION Section 5.01. Financial Statements and Other Information 51 SECTION 56 Section 5.02. Notices Maintenance of Material Events 52 SECTION Property; Insurance 59 Section 5.03. Compliance with Laws Section 5.04. Inspection of Property, Books and Records 60 Section 5.05. Use of Proceeds 60 Section 5.06. Environmental Matters 60 Section 5.07. Taxes 61 Section 5.08. Security Interests 61 Section 5.09. Existence; Conduct of Business 52 IF " DOCVARIABLE "SWDocIDLocation" 2" = "1" " DOCPROPERTY "SWDocID" ACTIVE 230252376v.1" "" SECTION 5.04. Payment of Obligations 53 SECTION 5.05. Maintenance of Properties; Insurance 53 SECTION 5.06. Books and Records; Inspection Rights 53 SECTION 5.07. Compliance with Laws 53 SECTION 5.08. Use of Proceeds 53 SECTION 5.0961 Section 5.10. Litigation Report 53 SECTION 5.10and Other Notices 61 Section 5.11. Covenant to Guarantee Obligations 54 Additional Grantors and Guarantors 62 -ii- TABLE OF CONTENTS (continued) Page Section 5.12. Maintain Operating Accounts 62 Section 5.13. Processors 62 ARTICLE VI NEGATIVE COVENANTS 54 SECTION 62 Section 6.01. Restrictions on Borrowing by Subsidiaries 54 SECTION Indebtedness 62 Section 6.02. Liens 55 SECTION 64 Section 6.03. Restrictions on Sale and Lease Back Transactions 56 SECTION 6.04. Fundamental Changes 56 SECTION Section 6.04. Investments, Loans, Advances, Guarantees and Acquisitions Section 6.05. Prepayment or Modification of Indebtedness; Modification of Operating Documents 66 Section 6.06. Restricted Payments Section 6.07. Transactions with Affiliates 56 SECTION 6.06. Acquisitions 56 SECTION 6.07. Interest Coverage Ratio 57 SECTION 67 Section 6.08. Net Leverage Ratio 57 Restrictive Agreements Section 6.09. Fixed Charge Coverage ARTICLE VII EVENTS OF DEFAULT 57 SECTION 7.01. Events of Default 57 SECTION 7.02. Remedies Upon an Event of Default 59 SECTION 7.03. Application of Payments 60 68 ARTICLE VIII THE ADMINISTRATIVE AGENT 60 SECTION 8.01. The Administrative Agent 60 SECTION 8.02. Certain ERISA Matters 64 SECTION 8.03. Certain Payments 65 71 ARTICLE IX MISCELLANEOUS 66 SECTION 74 Section 9.01. Notices 6674 Section 9.02. Waivers; Amendments 75 Section 9.03. Expenses; Indemnity; Damage Waiver 76 Section 9.04. Successors and Assigns 77 Section 9.05. Survival 79 Section 9.06. Counterparts; Integration; Effectiveness 79 Section 9.07. Severability 80 Section 9.08. Right of Setoff Section 9.09. GOVERNING LAW; JURISDICTION; CONSENT TO SERVICE OF PROCESS 80 Section 9.10. WAIVER OF JURY TRIAL 81 Section 9.11. Headings 81 Section 9.12. Confidentiality 81 Section 9.13. Interest Rate Limitation 81 Section 9.14. USA Patriot Act -iii- TABLE OF CONTENTS (continued) Page Section 9.15. Acknowledgement 82 -iv- SCHEDULES Schedule 1.01 -- Existing Letters of Credit Schedule 1.02 -- Fiscal Months of the Borrowers Schedule 2.01 -- Commitments Schedule 3.05 -- Disclosed Matters as to Litigation Schedule 3.08 -- Disclosed Matters as to Environmental Compliance Schedule 3.09 -- Other Leased and Owned Property Schedule 3.16 -- Subsidiaries Schedule 3.18 -- Processors Schedule 5.01(j) -- Borrowing Base Certificate Schedule 6.01 -- Existing Indebtedness Schedule 6.02 -- Existing Liens Schedule 6.03 – Fiscal Year End Schedule 6.04 -- Existing Investments Schedule 6.08 -- Existing Restrictions EXHIBITS Exhibit A -- Form of Assignment and Assumption Exhibit B -- Form of Opinion of Borrowers’ Counsel Exhibit C -- Form of Promissory Note Exhibit D -- Form of Borrowing Request SECOND AMENDED AND RESTATED CREDIT AGREEMENT dated as of July 10, 2007, among XXXXXXXX-VAN HEUSEN CORPORATION, a Delaware corporation, THE IZOD CORPORATION, a Pennsylvania corporation, PVH WHOLESALE CORP., a Delaware corporation, PVH RETAIL CORP., a Delaware corporation, XXXX.XXX INC., a Delaware corporation, X.X. XXXX FRANCHISES INC., a Delaware corporation, CD GROUP INC., a Delaware corporation, PVH CK STORES, INC., a Delaware corporation, PVH OHIO, INC., a Delaware corporation, PVH MICHIGAN, INC., a Delaware corporation, PVH PENNSYLVANIA, INC., a Delaware corporation, PVH WHOLESALE NEW JERSEY, INC., a Delaware corporation, PVH RETAIL MANAGEMENT COMPANY, a Delaware corporation, and PVH SUPERBA/INSIGNIA NECKWEAR, INC., a Delaware corporation, as joint and several borrowers, the LENDERS party hereto, JPMORGAN CHASE BANK, N.A., as Administrative Agent and Collateral Agent, X.X. XXXXXX SECURITIES INC. as Joint Lead Arranger and Sole Bookrunner, BANK OF AMERICA, N.A. as Joint Lead Arranger and Co-Syndication Agent, SunTrust Bank as Co-Syndication Agent, Wachovia Bank, National Association as Co-Document Agent and The CIT Group/Commercial Services, Inc. as Co-Documentation Agent. The Borrowers are party to the Existing Credit Agreement (such term and all other capitalized terms used in this paragraph having the respective meanings ascribed to such terms hereinafter) and desire to amend and restate the Existing Credit Agreement to provide for Loans up to a maximum aggregate principal amount not in excess of $325,000,000 (subject to increases as provided in Section 2.19) at any time outstanding during the Availability Period. The proceeds of the Loans shall be used for the Borrowers’ and their Subsidiaries’ working capital, permitted acquisitions, Capital Expenditures and general corporate purposes. The Borrowers and Guarantors will provide Collateral in accordance with the provisions of this Agreement and the other Financing Documents. The Lenders are severally, and not jointly, willing to amend and restate the Existing Credit Agreement and to extend such Loans to the Borrowers subject to the terms and conditions hereinafter set forth. Accordingly, the Borrowers, the Lenders and the Administrative Agent hereby agree as follows:

Payments Generally; Pro Rata Treatment; Sharing of Set. offs 42 22 SECTION 2.192.16. Mitigation Obligations; Replacement of Lenders 44 23 SECTION 2.202.17. Defaulting LendersLenders 23 SECTION 2.18. 45 Expansion Option 23 ARTICLE III REPRESENTATIONS AND WARRANTIES 46 24 SECTION 3.01. Organization; Powers 46 24 SECTION 3.02. Authorization; Enforceability 46 24 SECTION 3.03. Governmental Approvals; No Conflicts 46 25 SECTION 3.04. Financial ConditionStatements; No Material Adverse Change 46 25 SECTION 3.05. Properties 47 25 SECTION 3.06. Litigation and Environmental Matters 47 25 SECTION 3.07. Compliance with Laws and Agreements 47 25 SECTION 3.08. No Default 25 SECTION 3.09. Investment Company Status 48 SECTION 3.09. Taxes 48 26 SECTION 3.10. ERISA 48 Insurance Licenses 26 SECTION 3.11. Disclosure 48 Taxes 26 SECTION 3.12. Anti-Corruption Laws, Anti-Money Laundering Laws and Sanctions 48 ERISA 26 SECTION 3.13. Affected Financial Institutions 48 Disclosure 26 SECTION 3.14. Margin Regulations 49 26 SECTION 3.15. Indebtedness 26 SECTION 3.16. Liens 26 SECTION 3.17. Subsidiaries 26 SECTION 3.18. Solvency 27 SECTION 3.19. Anti-Corruption Laws and Sanctions 27 TABLE OF CONTENTS (Continued) Page ARTICLE IV CONDITIONS 49 27 SECTION 4.01. Closing Effective Date 49 27 SECTION 4.02. Borrowing 51 Each Credit Event 28 ARTICLE V AFFIRMATIVE COVENANTS 51 28 SECTION 5.01. Financial Statements and Other Information 51 28 SECTION 5.02. Notices of Material Events 52 29 SECTION 5.03. Existence; Conduct of Business 52 IF " DOCVARIABLE "SWDocIDLocation" 2" = "1" " DOCPROPERTY "SWDocID" ACTIVE 230252376v.1" "" 30 SECTION 5.04. Payment of Obligations 53 30 SECTION 5.05. Maintenance of Properties; Insurance 53 Properties 30 SECTION 5.06. Books and Records; Records 30 SECTION 5.07. Inspection Rights 53 30 SECTION 5.075.08. Compliance with Laws 53 and Contractual Obligations 30 SECTION 5.085.09. Insurance 30 SECTION 5.10. Use of Proceeds 53 31 SECTION 5.095.11. Litigation Report 53 SECTION 5.10. Covenant to Guarantee Obligations 54 Maintenance of Ratings 31 ARTICLE VI NEGATIVE COVENANTS 54 31 SECTION 6.01. Restrictions on Borrowing by Subsidiaries 54 Indebtedness 31 SECTION 6.02. Liens 55 33 SECTION 6.03. Restrictions on Sale and Lease Back Transactions 56 Fundamental Changes; Lines of Business 33 SECTION 6.04. Fundamental Changes 56 SECTION 6.05. Transactions with Affiliates 56 35 SECTION 6.05. Financial Covenants 35 SECTION 6.06. Acquisitions 56 Sale/Leaseback Transactions and Synthetic Leases 35 SECTION 6.07. Interest Coverage Ratio 57 Dispositions 35 SECTION 6.08. Net Leverage Ratio 57 Restrictive Agreements 35 SECTION 6.09. Modifications of Organizational Documents and Certain Other Agreements 36 ARTICLE VII EVENTS OF DEFAULT 57 SECTION 7.01. Events of Default 57 SECTION 7.02. Remedies Upon an Event of Default 59 SECTION 7.03. Application of Payments 60 36 ARTICLE VIII THE ADMINISTRATIVE AGENT 60 SECTION 8.01. The Administrative Agent 60 SECTION 8.02. Certain ERISA Matters 64 SECTION 8.03. Certain Payments 65 38 ii TABLE OF CONTENTS (Continued) Page ARTICLE IX MISCELLANEOUS 66 40 SECTION 9.01. Notices 6640 SECTION 9.02. Waivers; Amendments 42 SECTION 9.03. Expenses; Indemnity; Damage Waiver 42 SECTION 9.04. Successors and Assigns 43 SECTION 9.05. Survival 45 SECTION 9.06. Counterparts; Integration; Effectiveness; Electronic Execution 45 SECTION 9.07. Severability 45 SECTION 9.08. Right of Setoff 45

Payments Generally; Pro Rata Treatment; Sharing of Set. offs 42 SECTION 2.1988 Section 2.21. Mitigation Obligations; Replacement of Lenders 44 SECTION 2.2090 Section 2.22. Change in Law 91 Section 2.23. Foreign Subsidiary Borrowers 91 Section 2.24. Defaulting Lenders. 45 Lenders 93 ARTICLE III REPRESENTATIONS AND WARRANTIES 46 SECTION 3.0195 Section 3.1. Organization; Powers 46 SECTION 3.0295 Section 3.2. Authorization; Enforceability 46 SECTION 3.0396 Section 3.3. Governmental Approvals; No Conflicts 46 SECTION 3.0496 Section 3.4. Financial Condition; No Material Adverse Change 46 SECTION 3.0596 Section 3.5. Properties 47 SECTION 3.0697 Section 3.6. Litigation and Environmental Matters 47 SECTION 3.0797 Section 3.7. Compliance with Laws and Agreements 47 SECTION 3.0897 Section 3.8. Investment Company Status 48 SECTION 3.0997 Section 3.9. Taxes 48 SECTION 97 Section 3.10. ERISA 48 SECTION 97 Section 3.11. Disclosure 48 SECTION 98 Section 3.12. Anti-Corruption Laws, Anti-Money Laundering Laws and Sanctions 48 SECTION Subsidiaries 98 Section 3.13. Affected Financial Institutions 48 SECTION Labor Matters 98 Section 3.14. Margin Regulations 49 Solvency 98 Section 3.15. Senior Indebtedness 99 Section 3.16. Security Documents 99 ARTICLE IV CONDITIONS 49 SECTION 4.0199 Section 4.1. Closing Effective Date 49 SECTION 4.0299 Section 4.2. Borrowing 51 Each Credit Event 101 ARTICLE V AFFIRMATIVE COVENANTS 51 SECTION 5.01101 Section 5.1. Financial Statements and Other Information 51 SECTION 5.02101 Section 5.2. Notices of Material Events 52 SECTION 5.03103 Section 5.3. Existence; Conduct of Business 52 IF " DOCVARIABLE "SWDocIDLocation" 2" = "1" " DOCPROPERTY "SWDocID" ACTIVE 230252376v.1" "" SECTION 5.04Information Regarding Collateral 104 Section 5.4. Existence 104 Section 5.5. Payment of Obligations 53 SECTION 5.05104 Section 5.6. Maintenance of Properties; Properties 104 Section 5.7. Insurance 53 SECTION 5.06105 Section 5.8. Books and Records; Inspection and Audit Rights 53 SECTION 5.07105 Section 5.9. Compliance with Laws 53 SECTION 5.08and Contractual Obligations 105 Section 5.10. Use of Proceeds 53 SECTION 5.09and Letters of Credit and Foreign Credit Instruments 105 Section 5.11. Litigation Report 53 SECTION 5.10Additional Collateral 105 Section 5.12. Covenant to Guarantee Further Assurances 108 Section 5.13. Post Closing Obligations 54 108 ARTICLE VI NEGATIVE COVENANTS 54 SECTION 6.01109 Section 6.1. Restrictions on Borrowing by Subsidiaries 54 SECTION 6.02Financial Condition Covenants 109 Section 6.2. Indebtedness 109 Section 6.3. Liens 55 SECTION 6.03. Restrictions on Sale and Lease Back Transactions 56 SECTION 6.04112 Section 6.4. Fundamental Changes 56 SECTION 6.05114 Section 6.5. Investments, Loans, Advances, Guarantees and Acquisitions 114 Section 6.6. Disposition of Assets 116 Section 6.7. Sale and Leaseback Transactions with Affiliates 56 SECTION 6.06118 Section 6.8. Acquisitions 56 SECTION 6.07. Interest Coverage Ratio 57 SECTION 6.08. Net Leverage Ratio 57 ARTICLE VII EVENTS OF DEFAULT 57 SECTION 7.01. Events of Default 57 SECTION 7.02. Remedies Upon an Event of Default 59 SECTION 7.03. Application of Restricted Payments 60 ARTICLE VIII THE ADMINISTRATIVE AGENT 60 SECTION 8.01. The Administrative Agent 60 SECTION 8.02. Certain ERISA Matters 64 SECTION 8.03. Certain Payments 65 ARTICLE IX MISCELLANEOUS 66 SECTION 9.01. Notices 66118

Payments Generally; Pro Rata Treatment; Sharing of Set. offs 42 SECTION Offs 37 Section 2.19. Mitigation ObligationsLender’s Obligation to Mitigate; Replacement of Lenders 44 SECTION 2.20. Defaulting Lenders. 45 38 ARTICLE III 3 REPRESENTATIONS AND WARRANTIES 46 SECTION 39 Section 3.01. Organization; Powers 46 SECTION 39 Section 3.02. Authorization; Enforceability 46 SECTION 39 Section 3.03. Governmental Approvals; No Conflicts 46 SECTION 39 Section 3.04. Financial ConditionStatements; No Material Adverse Change 46 SECTION 40 Section 3.05. Properties 47 SECTION Insurance Licenses 41 Section 3.06. Borrower’s Subsidiaries 41 Section 3.07. Litigation and Environmental Matters 47 SECTION 3.0741 Section 3.08. Compliance with Laws and Agreements 47 SECTION 3.08Agreements; Foreign Asset Control Regulations 42 Section 3.09. Investment Company Status 48 SECTION 3.0942 Section 3.10. Taxes 48 SECTION 3.1042 Section 3.11. Material Agreements and Liens 42 Section 3.12. Environmental Matters 43 Section 3.13. Capitalization 43 Section 3.14. No Reliance 43 Section 3.15. ERISA 48 SECTION 3.1143 Section 3.16. Regulation U 43 Section 3.17. Disclosure 48 SECTION 3.1244 Section 3.18. Solvency 44 Section 3.19. Anti-Corruption Laws, Anti-Money Laundering Laws and Sanctions 48 SECTION 3.13. Affected Financial Institutions 48 SECTION 3.14. Margin Regulations 49 Terrorism Requirements 44 ARTICLE IV 4 CONDITIONS 49 SECTION 45 Section 4.01. Closing Effective Date 49 SECTION 45 Section 4.02. Borrowing 51 Conditions to Initial Utilization and Each Subsequent Utilization 47 ARTICLE V 5 AFFIRMATIVE COVENANTS 51 SECTION 47 Section 5.01. Financial Statements and Other Information 51 SECTION 47 Section 5.02. Notices Notice of Material Events 52 SECTION 48 Section 5.03. Material Insurance Subsidiary Reporting 49 Section 5.04. Existence; Conduct of Business 52 IF " DOCVARIABLE "SWDocIDLocation" 2" = "1" " DOCPROPERTY "SWDocID" ACTIVE 230252376v.1" "" SECTION 5.0450 Section 5.05. Payment of Obligations 53 SECTION 5.05. Maintenance of Properties; Insurance 53 SECTION 50 Section 5.06. Books and [Reserved] 51 Section 5.07. Insurance 51 Section 5.08. NAIC Ratio 51 Section 5.09. Proper Records; Inspection Rights 53 SECTION 5.07to Inspect and Appraise 51 Section 5.10. Compliance with Laws 53 SECTION 5.0851 Section 5.11. Use of Proceeds 53 SECTION 5.09. Litigation Report 53 SECTION 5.10. Covenant to Guarantee Obligations 54 52 ARTICLE VI 6 NEGATIVE COVENANTS 54 SECTION 52 Section 6.01. Restrictions on Borrowing by Subsidiaries 54 SECTION Debt; Certain Equity Securities 52 Section 6.02. Liens 55 SECTION 53 Section 6.03. Restrictions on Sale and Lease Back Transactions 56 SECTION 6.04. Fundamental Changes 54 Section 6.04. Investments, Loans, Advances, Guarantees and Acquisitions 55 Section 6.05. Asset Sales 55 Section 6.06. Ceded Reinsurance 55 Section 6.07. Sale and Leaseback Transactions 56 SECTION 6.05Section 6.08. Restricted Payments 56 Section 6.09. Transactions with Affiliates 56 SECTION 6.06Section 6.10. Acquisitions 56 SECTION 6.07Restrictive Agreements 57 Section 6.11. Interest Ratio of Debt to Capital 57 Section 6.12. Fixed Charge Coverage Ratio 57 SECTION 6.08Section 6.13. Consolidated Net Leverage Ratio Worth 57 Section 6.14. Amendment of Material Documents; Prepayments 57 Section 6.15. Lines of Business 58 ARTICLE VII 7 EVENTS OF DEFAULT 57 SECTION 7.01. Events of Default 57 SECTION 7.02. Remedies Upon an Event of Default 59 SECTION 7.03. Application of Payments 60 ARTICLE VIII 8 THE ADMINISTRATIVE AGENT 60 SECTION AGENTS 61 Section 8.01. The Administrative Agent 60 SECTION Appointment and Authorization 61 Section 8.02. Certain ERISA Matters 64 SECTION Rights and Powers as a Lender 61 Section 8.03. Limited Duties and Responsibilities 61 Section 8.04. Authority to Rely on Certain Payments 65 Writings, Statements and Advice 62 Section 8.05. Sub-Agents and Related Parties 62 Section 8.06. Resignation; Successor Agent 62 Section 8.07. Credit Decisions by Lenders 63 Section 8.08. Agent’s Fees 63 Section 8.09 Syndication Agent, Documentation Agent, Etc. 63 Section 8.10 No Reliance on Administrative Agent’s Customer Identification Program 63 ARTICLE IX 9 MISCELLANEOUS 66 SECTION 64 Section 9.01. Notices 6664 Section 9.02. Waivers; Amendments 64 Section 9.03. Expenses; Indemnity; Damage Waiver 66 Section 9.04. Successors and Assigns 67 Section 9.05. USA Patriot Act 70 Section 9.06. Survival 70 Section 9.07. Counterparts; Integration; Effectiveness 70 Section 9.08. Severability 70 Section 9.09. Right of Setoff 71 Section 9.10. Governing Law; Jurisdiction; Consent to Service of Process 71 Section 9.11. WAIVER OF JURY TRIAL 71 Section 9.12. Headings 72 Section 9.13. Confidentiality 72 Section 9.14. Interest Rate Limitation 72

Payments Generally; Pro Rata Treatment; Sharing of Set. offs 42 SECTION 2.19. Off 4751 Section 2.16 Mitigation Obligations; Replacement of Lenders 44 SECTION 2.204852 Section 2.17 [Reserved]. Defaulting Lenders4952 Section 2.18 Incremental Facility 4952 Section 2.19 Loan Repurchases. 45 5054 Section 2.20 Refinancing Facilities. 5256 Section 2.21 Effect of Benchmark Transition Event for Eurodollar Loans. 5256 Section 2.22 Effect of Benchmark Transition Event for SOFR Loans. 58 ARTICLE III 3 REPRESENTATIONS AND WARRANTIES 46 SECTION 3.01. 5459 Section 3.01 Organization; Powers 46 SECTION 3.02. 5459 Section 3.02 Authorization; Enforceability 46 SECTION 3.03. 5460 Section 3.03 Governmental Approvals; No Conflicts 46 SECTION 3.04. 5560 Section 3.04 Financial Condition; No Material Adverse Change 46 SECTION 3.05. 5560 Section 3.05 Properties 47 SECTION 3.06. 5560 Section 3.06 Litigation and Environmental Matters 47 SECTION 3.07. 5661 Section 3.07 Compliance with Laws and Agreements 47 SECTION 3.08. Agreements; No Default 5661 Section 3.08 Investment Company Status 48 SECTION 3.09. 5661 Section 3.09 Margin Stock 5661 Section 3.10 Taxes 48 SECTION 3.10. 5661 Section 3.11 ERISA 48 SECTION 3.11. 5662 Section 3.12 Disclosure 48 SECTION 3.12. 5863 Section 3.13 Subsidiaries 5863 Section 3.14 Solvency 5863 Section 3.15 Anti-Corruption Laws, Anti-Money Laundering Laws and Terrorism LawLaws 5863 Section 3.16 FCPA; Sanctions 48 SECTION 3.13. Affected Financial Institutions 48 SECTION 3.14. Margin Regulations 49 5965 Section 3.17 Collateral Matters 6065 Section 3.18 Beneficial Ownership Certification 6065 ARTICLE IV 4 CONDITIONS 49 SECTION 4.01. Closing 6066 Section 4.01 Effective Date 49 SECTION 4.02. Borrowing 51 6066 ARTICLE V 5 AFFIRMATIVE COVENANTS 51 SECTION 5.01. 6368 Section 5.01 Financial Statements Statements; Ratings Change and Other Information 51 SECTION 5.02. 6368 Section 5.02 Notices of Material Events 52 SECTION 5.03. 6470 Section 5.03 Existence; Conduct of Business 52 IF " DOCVARIABLE "SWDocIDLocation" 2" = "1" " DOCPROPERTY "SWDocID" ACTIVE 230252376v.1" "" SECTION 5.04. 6570 Section 5.04 Payment of Obligations 53 SECTION 5.05. Taxes and Other Claims 6570 Section 5.05 Maintenance of Properties; Insurance 53 SECTION 5.06. 6570 Section 5.06 Books and Records; Inspection Rights 53 SECTION 5.07. 6571 Section 5.07 ERISA-Related Information 6671 Section 5.08 Compliance with Laws 53 SECTION 5.08. and Agreements 6672 Section 5.09 Use of Proceeds 53 SECTION 5.09. Litigation Report 53 SECTION 5.10. Covenant to Guarantee Obligations 54 6672 Section 5.10 Additional Guarantors 6772 Section 5.11 Holdings 6874 Section 5.12 Maintenance of Ratings 6974 Section 5.13 Post-Closing 6974 Section 5.14 Beneficial Ownership RegulationsRegulation 6974 ARTICLE VI 6 NEGATIVE COVENANTS 54 SECTION 6.01. Restrictions on Borrowing by Subsidiaries 54 SECTION 6.02. 6974 Section 6.01 Indebtedness 6974 Section 6.02 Liens 55 SECTION 6.03. Restrictions on Sale and Lease Back Transactions 56 SECTION 6.04. 7076 Section 6.03 Fundamental Changes 56 SECTION 6.05. Transactions with Affiliates 56 SECTION 6.06. Acquisitions 56 SECTION 6.07. Interest Coverage Ratio 57 SECTION 6.08. Net Leverage Ratio 57 ARTICLE VII EVENTS OF DEFAULT 57 SECTION 7.01. Events 7278 Section 6.04 Use of Default 57 SECTION 7.02. Remedies Upon an Event of Default 59 SECTION 7.03. Application of Payments 60 ARTICLE VIII THE ADMINISTRATIVE AGENT 60 SECTION 8.01. The Administrative Agent 60 SECTION 8.02. Certain ERISA Matters 64 SECTION 8.03. Certain Payments 65 ARTICLE IX MISCELLANEOUS 66 SECTION 9.01. Notices 66Proceeds 7379

Payments Generally; Pro Rata Treatment; Sharing of Set. offs 42 SECTION 2.19. 51 Section 2.16 Mitigation Obligations; Replacement of Lenders 44 SECTION 2.2053 Section 2.17 Incremental Term Loan Commitments 54 Section 2.18 Defaulting Lenders 56 Section 2.19 Extensions of Loans 57 Section 2.20 Refinancing Amendments 59 Section 2.21 Illegality. Defaulting Lenders. 45 60 ARTICLE III REPRESENTATIONS AND WARRANTIES 46 SECTION 3.01. Organization; Powers 46 SECTION 3.02. Section 3.01 Organization 61 Exhibit 10.1 Section 3.02 Authorization; Enforceability 46 SECTION 3.03. 61 Section 3.03 Governmental Approvals; No Conflicts 46 SECTION 3.04. 61 Section 3.04 Financial ConditionStatements; No Material Adverse Change 46 SECTION 3.05. 62 Section 3.05 Properties 47 SECTION 3.06. 62 Section 3.06 Litigation and Environmental Matters 47 SECTION 3.07. 62 Section 3.07 Compliance with Laws and Agreements 47 SECTION 3.08. 62 Section 3.08 Intellectual Property 63 Section 3.09 Investment Company Status 48 SECTION 3.09. 63 Section 3.10 Taxes 48 SECTION 3.10. 63 Section 3.11 ERISA 48 SECTION 3.11. 63 Section 3.12 Labor Matters 63 Section 3.13 Insurance 64 Section 3.14 Solvency 64 Section 3.15 Subsidiaries 64 Section 3.16 Disclosure 48 SECTION 3.12. 64 Section 3.17 Federal Reserve Regulations 65 Section 3.18 Use of Proceeds 65 Section 3.19 Anti-Corruption Laws, ; Anti-Money Laundering Laws and Laws; Sanctions 48 SECTION 3.13. Affected Financial Institutions 48 SECTION 3.14. Margin Regulations 49 65 Section 3.20 Security Documents 65 Section 3.21 Non-Loan Party Subsidiaries 66 ARTICLE IV CONDITIONS 49 SECTION 4.01. Closing Section 4.01 Effective Date 49 SECTION 4.02. Borrowing 51 ARTICLE V AFFIRMATIVE COVENANTS 51 SECTION 5.01. Financial Statements and Other Information 51 SECTION 5.02. Notices of Material Events 52 SECTION 5.03. Existence; Conduct of Business 52 IF " DOCVARIABLE "SWDocIDLocation" 2" = "1" " DOCPROPERTY "SWDocID" ACTIVE 230252376v.1" "" SECTION 5.04. Payment of Obligations 53 SECTION 5.05. Maintenance of Properties; Insurance 53 SECTION 5.06. Books and Records; Inspection Rights 53 SECTION 5.07. Compliance with Laws 53 SECTION 5.08. Use of Proceeds 53 SECTION 5.09. Litigation Report 53 SECTION 5.10. Covenant to Guarantee Obligations 54 ARTICLE VI NEGATIVE COVENANTS 54 SECTION 6.01. Restrictions on Borrowing by Subsidiaries 54 SECTION 6.02. Liens 55 SECTION 6.03. Restrictions on Sale and Lease Back Transactions 56 SECTION 6.04. Fundamental Changes 56 SECTION 6.05. Transactions with Affiliates 56 SECTION 6.06. Acquisitions 56 SECTION 6.07. Interest Coverage Ratio 57 SECTION 6.08. Net Leverage Ratio 57 ARTICLE VII EVENTS OF DEFAULT 57 SECTION 7.01. Events of Default 57 SECTION 7.02. Remedies Upon an Event of Default 59 SECTION 7.03. Application of Payments 60 ARTICLE VIII THE ADMINISTRATIVE AGENT 60 SECTION 8.01. The Administrative Agent 60 SECTION 8.02. Certain ERISA Matters 64 SECTION 8.03. Certain Payments 65 ARTICLE IX MISCELLANEOUS 66 SECTION 9.01. Notices 66