AMENDMENT NUMBER THIRTEEN TO CREDIT AGREEMENT
THIS AMENDMENT NUMBER THIRTEEN TO CREDIT AGREEMENT (this “Amendment”), dated as
of April 13, 2015, is entered into by and among STOCK BUILDING SUPPLY HOLDINGS,
INC., a Delaware corporation (“Parent”), each of Parent’s Subsidiaries listed on
the signature pages hereto as a borrower (such Subsidiaries are referred to
hereinafter each individually as a “Borrower,” and individually and
collectively, jointly and severally, as “Borrowers”), each of Parent’s
Subsidiaries listed on the signature pages hereto as a guarantor (such
Subsidiaries, together with Parent, are referred to hereinafter each
individually as a “Guarantor”, and individually and collectively, jointly and
severally, as “Guarantors”), the lenders party hereto (“Lenders”), and WELLS
FARGO CAPITAL FINANCE, LLC, a Delaware limited liability company (formerly known
as Wells Fargo Foothill, LLC) (“WFCF”), as the administrative agent for the
Lenders (in such capacity, together with its successors and assigns in such
capacity, “Agent”) and in light of the following:
W I T N E S S E T H
WHEREAS, Parent, Borrowers, Lenders, BANK OF AMERICA, N.A. (“BofA”), as co-lead
arranger, WFCF as co-lead arranger, and Agent are parties to that certain Credit
Agreement, dated as of June 30, 2009 (as amended, restated, supplemented, or
otherwise modified from time to time, the “Credit Agreement”);
WHEREAS, Borrowers have requested that Agent and Lenders make certain amendments
to the Credit Agreement;
WHEREAS, upon the terms and conditions set forth herein, Agent and Lenders are
willing to accommodate Borrowers’ request.
NOW, THEREFORE, in consideration of the foregoing and the mutual covenants
herein contained, and for other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereby agree as
follows:
1.Defined Terms. All capitalized terms used herein (including in the preamble
and recitals hereof) without definition shall have the meanings ascribed thereto
in the Credit Agreement, as amended hereby.
2.    Amendments to Credit Agreement.
(a)    The definition of “FCStone Commodity Accounts” contained in Schedule 1.1
is hereby deleted in its entirety.
(b)    The definition of “FCStone, LLC” contained in Schedule 1.1 is hereby
deleted in its entirety.
(c)    Section 6.11 of the Credit Agreement is hereby amended and modified by
amending and restating clause (a) appearing therein in its entirety as follows:
“(a)    Except for Permitted Investments, directly or indirectly, make or
acquire any Investment or incur any liabilities (including contingent
obligations) for or in connection with any Investment.  From and after the date
that is 30 days (or such longer period as may be determined by Agent in its sole
discretion) after the Closing Date, (i) Loan Parties shall not have Permitted
Investments consisting of cash, Cash Equivalents, or amounts credited to Deposit
Accounts or Securities Accounts (other than (A) an aggregate amount of not more
than $650,000 at any one time, in the case of Parent and its Restricted
Subsidiaries (other than those Restricted Subsidiaries that are CFCs),
(B) amounts deposited into Deposit

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Accounts specially and exclusively used for payroll, payroll taxes and other
employee wage and benefit payments to or for Parent’s or its Restricted
Subsidiaries’ employees, (C) with respect to the Required Equity Account, and
(D) an aggregate amount of not more than an amount to be agreed upon by Agent
and Borrowers (calculated at current exchange rates) at any one time, in the
case of Restricted Subsidiaries of Parent that are CFCs)) unless such Loan
Parties, as applicable, and the applicable bank, securities intermediary or
commodity intermediary have entered into Control Agreements with Agent governing
such Permitted Investments in order to perfect (and further establish) Agent’s
Liens in such Permitted Investments, and (ii) Loan Parties shall not have
Permitted Investments consisting of cash, Cash Equivalents, or amounts credited
to Commodities Accounts (other than Permitted Investments made in reliance on
clause (v) of the definition of Permitted Investment in an aggregate amount not
to exceed $1,000,000 in the Permitted Commodity Accounts) unless such Loan
Parties, as applicable, and the applicable commodity intermediary have entered
into Control Agreements with Agent governing such Permitted Investments in order
to perfect (and further establish) Agent’s Liens in such Permitted Investments.”
(d)    Schedule 1.1 to the Credit Agreement is hereby amended and modified by
amending and restating the following definitions, or adding (as applicable) the
following definitions, in the appropriate alphabetical order:
““Permitted Commodity Accounts” means those Commodity Accounts of one or more
Loan Parties located at Permitted Hedging Counterparties.”
““Permitted Commodities Trading” means any and all transactions entered into by
Parent or any of its Restricted Subsidiaries with any Permitted Hedging
Counterparty for the purpose of hedging Parent’s or any of its Restricted
Subsidiaries’ exposure to fluctuations in the price of commodities, including
forest products and provided not for speculative purposes; provided that neither
Parent nor any Restricted Subsidiary, collectively, shall enter into such
transactions with more than one Permitted Hedging Counterparty and its
Affiliates at any given time.”
““Permitted Hedging Counterparties” means independent established financial
services providers which (a) are not Affiliates of any Loan Party, (b) provide
commodity risk management programs in the ordinary course of their business and
(c) have been approved by Agent in writing in its Permitted Discretion; provided
that Borrower shall have delivered a written request to Agent for such
approval.”
““Qualified Cash” means, as of any date of determination, the amount of
unrestricted cash and Cash Equivalents owned by the Loan Parties and their
Restricted Subsidiaries that is in Deposit Accounts or in Securities Accounts,
or any combination thereof (other than the Required Equity Account), and which
such Deposit Account or Securities Account is the subject of a Control Agreement
(except and to the extent excused for a period of time under Schedule 3.6 to the
Agreement) and is maintained by a branch office of the bank or securities
intermediary located within the United States. For the avoidance of doubt, any
amount of cash and Cash Equivalents of the Loan Parties and their Restricted
Subsidiaries that is in Commodity Accounts (including the Permitted Commodity
Accounts) shall be excluded from Qualified Cash.”
““Thirteenth Amendment” means that certain Amendment Number Thirteen to Credit
Agreement dated as of April 13, 2015, by and among Parent, Borrowers,
Guarantors, the Lenders party thereto, and Agent.”
(e)    Schedule 1.1 of the Credit Agreement is hereby amended and modified by
amending the definition of “Permitted Investments” by: (i) amending and
restating clause (v) in its entirety and (ii) amending and restating clause (x)
in its entirety as follows:
“(v) deposits of cash and Cash Equivalents in an aggregate amount not to exceed
$1,000,000 outstanding at any time in the Permitted Commodity Accounts to secure
Indebtedness to Permitted Hedging

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Counterparties permitted pursuant to clause (h) of the definition of Permitted
Indebtedness in connection with Permitted Commodities Trading;
“(x) (i) so long as no Event of Default has occurred and is continuing or would
result therefrom, other Investments (other than Investments in the Permitted
Commodity Accounts) in an aggregate amount not to exceed $10,000,000 during the
term of the Agreement, and (ii) other Investments so long as the Payment
Conditions are satisfied as of the date of the proposed Investment both
immediately before and immediately after giving effect thereto.”
(f)    Schedule 1.1 of the Credit Agreement is hereby amended and modified by
amending the definition of “Permitted Liens” by: (i) amending and restating
clause (z) in its entirety and (ii) amending and restating clause (aa) in its
entirety as follows:
“(z) Liens in favor of Permitted Hedging Counterparties, existing on the
Permitted Commodity Accounts and the contents thereof to secure obligations to
Permitted Hedging Counterparties arising in connection with the maintenance and
provision of the Permitted Commodity Accounts  in the ordinary course of
business and Indebtedness to Permitted Hedging Counterparties permitted pursuant
to clause (h) of the definition of Permitted Indebtedness in connection with the
Permitted Commodities Trading; provided, however, that the aggregate amount of
cash and Cash Equivalents on deposit in Permitted Commodity Accounts and subject
to such Liens shall not exceed $1,000,000, and”
“(aa) other Liens (other than Liens on the Permitted Commodity Accounts and the
contents thereof) as to which the aggregate amount of the obligations secured
thereby does not exceed $2,500,000.”
3.    Conditions Precedent to Amendment. The satisfaction of each of the
following shall constitute conditions precedent to the effectiveness of this
Amendment:
(a)    Agent shall have received this Amendment, duly executed and delivered by
the parties hereto.
(b)    After giving effect to this Amendment, the representations and warranties
set forth herein and in the Credit Agreement and the other Loan Documents shall
be true, correct and complete in all material respects (except that such
materiality qualifier shall not be applicable to any representations and
warranties that already are qualified or modified by materiality in the text
thereof) on and as of the date hereof, as though made on such date (except to
the extent that such representations and warranties relate solely to an earlier
date, in which case such representations and warranties shall be true, correct
and complete in all material respects as of such earlier date).
(c)    After giving effect to this Amendment, no Default or Event of Default
shall have occurred and be continuing or shall result from the consummation of
the transactions contemplated herein.
4.    Representations and Warranties. Each Loan Party hereby represents and
warrants to Agent for the benefit of the Lender Group and the Bank Product
Providers as follows:
(a)    The execution, delivery, and performance by it of this Amendment (i) have
been duly authorized by all necessary action of such Loan Party, and (ii) do not
and will not (A) violate any material provision of federal, state, or local law
or regulation applicable to such Loan Party or its Subsidiaries, the Governing
Documents of such Loan Party, or any order, judgment, or decree of any court or
other Governmental Authority binding on such Loan Party, (B) conflict with,
result in a breach of, or constitute (with due notice or lapse of time or both)
a default under any Material Contract of such Loan Party except to the extent
such conflict, breach or default could not individually or in the aggregate
reasonably be expected to have a Material Adverse Change, (C) result in or
require the creation or imposition of any Lien of any

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nature whatsoever upon any assets of such Loan Party, other than Permitted
Liens, (D) require any approval of such Loan Party’s interestholders or any
approval or consent of any Person under any Material Contract of such Loan
Party, other than consents or approvals that have been obtained and that are
still in force and effect and except, in the case of Material Contracts, for
consents or approvals, the failure to obtain could not individually or in the
aggregate reasonably be expected to cause a Material Adverse Change, or (C)
require any registration with, consent, or approval of, or notice to, or other
action with or by, any Governmental Authority, except for (1) registrations,
consents, approvals, notices or other actions that have been obtained and that
are still in force and effect, (2) filings and recordings with respect to the
Collateral to be made, or otherwise delivered to Agent for filing or
recordation, and (3) consents or approvals the failure of which to obtain could
not reasonably be expected to cause a Material Adverse Change.
(b)    This Amendment has been duly executed and delivered by such Loan Party.
This Amendment is the legally valid and binding obligation of such Loan Party,
enforceable against such Loan Party in accordance with its respective terms,
except as enforcement may be limited by equitable principles or by bankruptcy,
insolvency, reorganization, moratorium, or similar laws relating to or limiting
creditors’ rights generally.
(c)    No injunction, writ, restraining order, or other order of any nature
prohibiting, directly or indirectly, the consummation of the transactions
contemplated herein has been issued and remains in force by any Governmental
Authority against any Borrower or any Guarantor.
(d)    After giving effect to this Amendment, no Default or Event of Default has
occurred and is continuing as of the date hereof and no condition exists which
constitutes a Default or Event of Default as of the date hereof.
(e)    After giving effect to this Amendment, the representations and warranties
in the Credit Agreement and the other Loan Documents are true, correct and
complete in all material respects (except that such materiality qualifier shall
not be applicable to any representations and warranties that already are
qualified or modified by materiality in the text thereof) on and as of the date
hereof, as though made on such date (except to the extent that such
representations and warranties relate solely to an earlier date).
(f)    This Amendment has been entered into without force or duress, of the free
will of such Loan Party, and the decision of such Loan Party to enter into this
Amendment is a fully informed decision and such Loan Party is aware of all legal
and other ramifications of each such decision.
(g)    It has read and understands this Amendment, has consulted with and been
represented by independent legal counsel of its own choosing in negotiations for
and the preparation of this Amendment, has read this Amendment in full and final
form, and has been advised by its counsel of its rights and obligations
hereunder.
5.    Payment of Costs and Fees. Borrowers agree to pay all reasonable
out-of-pocket costs and expenses of Lender Group (including, without limitation,
the reasonable fees and out-of-pocket disbursements of outside counsel to Agent
and each Lender) in connection with the preparation, negotiation, execution and
delivery of this Amendment and any documents and instruments relating hereto.
6.    Choice of Law and Venue; Jury Trial Waiver; Judicial Reference. THIS
AMENDMENT SHALL BE SUBJECT TO THE PROVISIONS REGARDING CHOICE OF LAW AND VENUE,
JURY TRIAL WAIVER, AND JUDICIAL REFERENCE SET FORTH IN SECTION 12 OF THE CREDIT
AGREEMENT, AS AMENDED HEREBY, AND SUCH PROVISIONS ARE INCORPORATED HEREIN BY
THIS REFERENCE, MUTATIS MUTANDIS.

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7.    Further Assurances. At any time upon the reasonable request of Agent, each
Loan Party shall promptly execute and deliver to Agent such Additional Documents
as Agent shall request pursuant to the Credit Agreement and the other Loan
Documents, in each case in form and substance reasonably satisfactory to Agent.
8.    Effect on Loan Documents.
(a)    The Credit Agreement, as amended hereby, and each of the other Loan
Documents, as amended as of the date hereof, shall be and remain in full force
and effect in accordance with their respective terms and hereby are ratified and
confirmed in all respects. The execution, delivery, and performance of this
Amendment shall not operate, except as expressly set forth herein, as a waiver
of, consent to, or a modification or amendment of, any right, power, or remedy
of Agent or any Lender under the Credit Agreement or any other Loan Document.
Except for the amendments to the Credit Agreement expressly set forth herein,
the Credit Agreement and the other Loan Documents shall remain unchanged and in
full force and effect. The amendments, consents, waivers and modifications set
forth herein are limited to the specified hereof, shall not apply with respect
to any facts or occurrences other than those on which the same are based, shall
neither excuse future non-compliance with the Loan Documents nor operate as a
waiver of any Default or Event of Default, shall not operate as a consent to any
further or other matter under the Loan Documents and shall not be construed as
an indication that any future waiver of covenants or any other provision of the
Credit Agreement will be agreed to, it being understood that the granting or
denying of any waiver which may hereafter be requested by Borrowers remains in
the sole and absolute discretion of Agent and the Lenders.
(b)    Upon and after the effectiveness of this Amendment, each reference in the
Credit Agreement to “this Agreement”, “hereunder”, “herein”, “hereof” or words
of like import referring to the Credit Agreement, and each reference in the
other Loan Documents to “the Credit Agreement”, “thereunder”, “therein”,
“thereof” or words of like import referring to the Credit Agreement, shall mean
and be a reference to the Credit Agreement as modified and amended hereby.
(c)    To the extent that any of the terms and conditions in any of the Loan
Documents shall contradict or be in conflict with any of the terms or conditions
of the Credit Agreement after giving effect to this Amendment, such terms and
conditions are hereby deemed modified or amended accordingly to reflect the
terms and conditions of the Credit Agreement as modified or amended hereby.
9.    Entire Agreement. This Amendment, and the terms and provisions hereof, the
Credit Agreement and the other Loan Documents constitute the entire
understanding and agreement between the parties hereto with respect to the
subject matter hereof and supersede any and all prior or contemporaneous
amendments or understandings with respect to the subject matter hereof, whether
express or implied, oral or written. Each Loan Party consents to the amendments
to the Credit Agreement set forth in this Amendment and agrees that all
Obligations owing by such Person are unconditionally owing by such Person to
Agent and the Lenders, without offset, defense, withholding, counterclaim or
deduction of any kind, nature or description whatsoever.
10.    Reaffirmation of Obligations. Each Loan Party hereby reaffirms its
obligations under each Loan Document to which it is a party. Each Loan Party
hereby further ratifies and reaffirms the validity and enforceability of all of
the liens and security interests heretofore granted, pursuant to and in
connection with the Security Agreement or any other Loan Document, to Agent, as
collateral security for the obligations under the Loan Documents in accordance
with their respective terms, and acknowledges that all of such Liens and
security interests, and all Collateral heretofore pledged as security for such
obligations, continue to be and remain collateral for such obligations from and
after the date hereof. Each Loan Party hereby further does grant to Agent, for
the benefit of the Lender Group and the Bank Product Providers, a perfected
security interest in the Collateral (as defined in the Security Agreement) in
order to secure all of its present and future Obligations.

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11.    Ratification. Each Loan Party hereby restates, ratifies and reaffirms
each and every term and condition set forth in the Credit Agreement and the Loan
Documents effective as of the date hereof and as amended hereby.
12.    Miscellaneous.
(a)    This Amendment is a Loan Document. This Amendment may be executed in any
number of counterparts and by different parties on separate counterparts, each
of which, when executed and delivered, shall be deemed to be an original, and
all of which, taken together, shall constitute but one and the same Amendment.
Delivery of an executed counterpart of this Amendment by telefacsimile or other
electronic image scan transmission (e.g., “PDF” or “tif” via email) shall be
equally effective as delivery of an original executed counterpart of this
Amendment. Any party delivering an executed counterpart of this Amendment by
telefacsimile or other electronic image scan transmission also shall deliver an
original executed counterpart of this Amendment but the failure to deliver an
original executed counterpart shall not affect the validity, enforceability, and
binding effect of this Amendment.
(b)    Any provision of this Amendment which is prohibited or unenforceable
shall be ineffective to the extent of such prohibition or unenforceability
without invalidating the remaining provisions hereof in that jurisdiction or
affecting the validity or enforceability of such provision in any other
jurisdiction. Each provision of this Amendment shall be severable from every
other provision of this Amendment for the purpose of determining the legal
enforceability of any specific provision.
(c)    Headings and numbers have been set forth herein for convenience only.
Unless the contrary is compelled by the context, everything contained in each
Section applies equally to this entire Amendment.
(d)    Neither this Amendment nor any uncertainty or ambiguity herein shall be
construed against any member of the Lender Group or any Loan Party, whether
under any rule of construction or otherwise, on the basis that this Amendment
has been drafted by any such Person. This Amendment has been reviewed by all
parties and shall be construed and interpreted according to the ordinary meaning
of the words used so as to accomplish fairly the purposes and intentions of all
parties hereto.
(e)    Although each Guarantor has been informed of the matters set forth herein
and has agreed to same, such Guarantor understands that neither Agent nor any
Lender has any obligation to inform it of such matters in the future or to seek
its acknowledgment or agreement to future amendments, and nothing herein shall
create such a duty.
(f)    The pronouns used herein shall include, when appropriate, either gender
and both singular and plural, and the grammatical construction of sentences
shall conform thereto.
(g)    Unless the context of this Amendment clearly requires otherwise,
references to the plural include the singular, references to the singular
include the plural, the terms “includes” and “including” are not limiting, and
the term “or” has, except where otherwise indicated, the inclusive meaning
represented by the phrase “and/or”. The words “hereof”, “herein”, “hereby”,
“hereunder”, and similar terms in this Amendment refer to this Amendment as a
whole and not to any particular provision of this Amendment. Section,
subsection, clause, schedule, and exhibit references herein are to this
Amendment unless otherwise specified. Any reference in this Amendment to any
agreement, instrument, or document shall include all alterations, amendments,
changes, extensions, modifications, renewals, replacements, substitutions,
joinders, and supplements, thereto and thereof, as applicable (subject to any
restrictions on such alterations, amendments, changes, extensions,
modifications, renewals, replacements, substitutions, joinders, and supplements
set forth herein). Any reference herein to the satisfaction, repayment, or
payment in full of the Obligations shall mean the repayment in full in cash (or
cash collateralization in accordance with the terms

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of the Credit Agreement) of all Obligations other than contingent
indemnification Obligations and other than any Bank Product Obligations that, at
such time, are allowed by the applicable Bank Product Provider to remain
outstanding and are not required to be repaid or cash collateralized pursuant to
the provisions of the Credit Agreement and the full and final termination of any
commitment to extend any financial accommodations under the Credit Agreement and
any other Loan Document. The words “asset” and “property” shall be construed to
have the same meaning and effect and to refer to any and all tangible and
intangible assets and properties, including cash, securities, accounts, and
contract rights. Any reference herein to any Person shall be construed to
include such Person’s successors and assigns. Any requirement of a writing
contained herein shall be satisfied by the transmission of a Record.
13.    Severability. In case any provision in this Amendment shall be invalid,
illegal or unenforceable, such provision shall be severable from the remainder
of this Amendment and the validity, legality and enforceability of the remaining
provisions shall not in any way be affected or impaired thereby.

[Signature Pages Follow]

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

STOCK BUILDING SUPPLY HOLDINGS, INC.,
a Delaware corporation, as Parent and as a Guarantor
 
By:
/s/ James F. Major, Jr.
Name:
James F. Major, Jr.
Title:
EVP/CFO
 
 
COLEMAN FLOOR, LLC,
a Delaware limited liability company, as a Borrower
 
By:
/s/ James F. Major, Jr.
Name:
James F. Major, Jr.
Title:
EVP/CFO
 
STOCK BUILDING SUPPLY, LLC,
a North Carolina limited liability company, as a Borrower
 
By:
/s/ James F. Major, Jr.
Name:
James F. Major, Jr.
Title:
EVP/CFO
 
STOCK BUILDING SUPPLY OF FLORIDA, LLC,
a Florida limited liability company, as a Borrower
 
By:
/s/ James F. Major, Jr.
Name:
James F. Major, Jr.
Title:
EVP/CFO
 
STOCK BUILDING SUPPLY MIDWEST, LLC,
a Delaware limited liability company, as a Borrower
 
By:
/s/ James F. Major, Jr.
Name:
James F. Major, Jr.
Title:
EVP/CFO
 
 

[SIGNATURE PAGE TO AMENDMENT NUMBER THIRTEEN TO CREDIT AGREEMENT]

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STOCK BUILDING SUPPLY WEST, LLC,
a Utah limited liability company, as a Borrower
 
By:
/s/ James F. Major, Jr.
Name:
James F. Major, Jr.
Title:
EVP/CFO
 
STOCK BUILDING SUPPLY OF ARKANSAS, LLC,
a Delaware limited liability company, as a Borrower
 
By:
/s/ James F. Major, Jr.
Name:
James F. Major, Jr.
Title:
EVP/CFO
 
SBS / BISON BUILDING MATERIALS, LLC,
a Delaware limited liability company, as a Borrower
 
By:
/s/ James F. Major, Jr.
Name:
James F. Major, Jr.
Title:
EVP/CFO
 
COLEMAN FLOOR SOUTHEAST, LLC,
a Delaware limited liability company, as a Borrower
 
By:
/s/ James F. Major, Jr.
Name:
James F. Major, Jr.
Title:
EVP/CFO
 
TBSG, LLC, a Delaware limited liability company, as a Borrower
 
By:
/s/ James F. Major, Jr.
Name:
James F. Major, Jr.
Title:
EVP/CFO
 
 

[SIGNATURE PAGE TO AMENDMENT NUMBER THIRTEEN TO CREDIT AGREEMENT]

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STOCK WINDOW AND DOOR SOUTHEAST, LLC.
a Delaware limited liability company, as a Borrower
 
 
By:
/s/ James F. Major, Jr.
Name:
James F. Major, Jr.
Title:
EVP/CFO
 
 
STOCK BUILDING SUPPLY WEST (USA), INC.,
a Delaware corporation, as a Guarantor
 
By:
/s/ James F. Major, Jr.
Name:
James F. Major, Jr.
Title:
EVP/CFO
 
 

[SIGNATURE PAGE TO AMENDMENT NUMBER THIRTEEN TO CREDIT AGREEMENT]

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WELLS FARGO CAPITAL FINANCE, LLC,
a Delaware limited liability company (formerly known as Wells Fargo Foothill,
LLC), as Agent and as a Lender
 
By:
/s/ Amelie Yehros
Name:
Amelie Yehros
Title:
SVP

[SIGNATURE PAGE TO AMENDMENT NUMBER THIRTEEN TO CREDIT AGREEMENT]

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BANK OF AMERICA, N.A.,
as a Lender
 
By:
/s/ Matthew R. Van Steenhuyse
Name:
Matthew R. Van Steenhuyse
Title:
Senior Vice President

[SIGNATURE PAGE TO AMENDMENT NUMBER THIRTEEN TO CREDIT AGREEMENT]