**Exhibit 10.12**

 

**PERSONAL AND CONFIDENTIAL**

May2, 2001

Mr.Peter T. Paul550 Riviera CircleLarkspur, CA 94939

DearPeter:

             Thisletter agreement (“Agreement”) will confirm the terms negotiated and reachedbetween you and GreenPoint Financial Corp. (“GreenPoint”) concerning yourseparation from GreenPoint, GreenPoint Bank (the “Bank”), GreenPoint Credit,LLC (“Credit”), and each of their respective affiliates (collectively, the“GreenPoint Entities”).  Under thisAgreement, you and GreenPoint will be, from time to time, referred tocollectively as the “Parties”. This Agreement has been entered into between theParties after each of the Parties consulted with its respective counsel.

             1.          Separation Date.  You hereby give notice that effective May 1,2001 (the “Separation Date”) you will be resigning from your employment withthe GreenPoint Entities, including, without limitation, your positions as ViceChairman of GreenPoint and the Bank and as President and Chief ExecutiveOfficer of Credit.  Further, you herebygive notice that effective on the Separation Date you will be resigning fromthe Board of Directors and the Management Committee of any of the GreenPointEntities on which you serve as a member, except that, subject to Paragraph2(c), at this time you will not be resigning as a member of the Boards ofDirectors of GreenPoint and the Bank. Your notice and commitment to resign are firm and irrevocable.

             2.          Consideration.  In exchange for your execution of thisAgreement (provided you do not revoke your acceptance) and your compliance withall of its terms, you will be provided with the payments, benefits and rightsset forth in this Agreement.

             (a)         Consulting Services.  Subject to the terms and conditions herein,GreenPoint agrees to retain you as a consultant to Thomas S. Johnson and BharatB. Bhatt, in their capacity as Chairman and Chief Executive Officer andPresident and Chief Operating Officer, respectively, of GreenPoint and the Bankfor the period commencing on the Separation Date and ending on May 1, 2003 (the“Consulting Period”); provided, however, that either you orGreenPoint can earlier terminate the Consulting Period for any reason in thesole discretion of either you or GreenPoint. You acknowledge that while serving as a consultant under the terms ofthis Agreement you shall not possess the power or authority to make bindingcommitments on behalf of any of the GreenPoint Entities or their respectiveemployees, officers or directors. While you are serving as a consultant underthe terms of this Agreement, you agree that you will be available on an asneeded basis, as determined in the sole discretion of Mr. Johnson or Mr. Bhatt,to provide advice regarding new and existing projects.  The ability of Mr. Johnson and Mr. Bhatt torequest consultation and your obligation to provide consulting services underthe terms of this Agreement shall not be assigned or transferred to any otherperson or entity.

             (b)        Consulting Fees.  While serving as a consultant during theConsulting Period, GreenPoint shall pay you a consulting fee of $120,000 peryear, payable in 12 equal monthly installments in arrears on the first day ofeach month, with the first such payment being made on June 1, 2001.  It is agreed that you will submit invoicesto GreenPoint for reasonable expenses incurred by you in connection withconsulting services you provide under the terms of this Agreement and thatGreenPoint will reimburse you for these reasonable expenses in accordance withits policy as in effect from time to time. While serving as a consultant during the Consulting Period, yourservices are to be rendered as an independent contractor, and you are solelyresponsible for the payment of all Federal, state, local and foreign taxes thatare required by applicable laws or regulations to be paid with respect to theconsulting fees.  GreenPoint shall notmake any deductions, withholdings or payments from the consulting fees payableto you under this Agreement.  You agreeto indemnify GreenPoint for any tax liability it may incur by virtue of anypayments made by GreenPoint to you should you fail to file and pay allappropriate taxes as a self-employed person. Upon the cessation of your consulting services, whether by you or byGreenPoint for any reason in the sole discretion of either you or GreenPoint,GreenPoint’s obligation to pay you the consulting fees shall cease, providedthat GreenPoint shall be obligated to pay you a pro-rata portion of the monthlyconsulting fee in respect of the month in which your services cease.

             (c)         Board Memberships.  While serving as a consultant during theConsulting Period, you shall continue to have the right to serve as a member ofthe Board of Directors of each of GreenPoint and the Bank.  Upon your cessation of service as aconsultant, either upon the expiration of the Consulting Period or as a resultof termination of your services by you or by GreenPoint for any reason in thesole discretion of either you or GreenPoint, you shall automatically cease tobe a member of such Boards of Directors. You acknowledge that, other than the consulting fees provided herein,you shall not be entitled to receive any fees for your service to the Boards ofDirectors of GreenPoint and the Bank, nor shall you be entitled to participatein any benefit or compensation plan or program.  It is agreed that you will submit invoices to GreenPoint forreasonable expenses incurred by you in connection with your membership on theseBoards and that GreenPoint will reimburse you for these reasonable expenses inaccordance with its policy as in effect from time to time.

             (d)        Benefit Plans. You acknowledgethat effective as of the Separation Date and thereafter while serving as aconsultant you shall not be entitled to participate in any of the employeebenefit, compensation or incentive plans of any of the GreenPoint Entities,except as specifically provided herein and, as appropriate, you will be giventhe opportunity to elect COBRA continuation health insurance coverage under theapplicable health insurance plan maintained by Credit and may continue healthinsurance coverage until the end of the COBRA period at your own expense bypaying the monthly insurance premium in full each month.  You acknowledge that the GreenPoint Entitiesprovide valuable pension, welfare, fringe and other compensatory benefits tocertain eligible employees.  You agreethat even if a court or government agency were to determine that during theConsulting Period you and GreenPoint (or any of the other GreenPoint Entities)had a common law employer-employee relationship, you still will be bound bythis Agreement and will not be entitled to receive from any of the GreenPointEntities or have any of the GreenPoint Entities provide on your behalf anydifferent or additional pay, or any benefits, insurance coverage, tax paymentsor withholding, or compensation of any kind. You hereby knowingly and voluntarily waive any right you may have todemand, claim or obtain participation, benefits or payments in or from thepension, welfare and/or fringe benefits plans, policies, programs or otherarrangements maintained by any of the GreenPoint Entities for their employeeson the ground of the performance of services under this Agreement.

             Notwithstandinganything contained herein to the contrary, solely with respect to the option toacquire GreenPoint common stock granted under the (i) Stock Option Agreementbetween GreenPoint and you dated as of March 30, 1999 pursuant to GreenPoint’sAmended and Restated 1994 Stock Incentive Plan, you will vest in an additional25,000 option shares on the earlier to occur of (q) March 30, 2002 and (r) yourdeath or Disability or a Change in Control (as those terms are defined in the1994 Stock Incentive Plan) and (ii) Stock Option Agreement between GreenPointand you dated as of January 20, 2000 pursuant to GreenPoint’s 1999 StockIncentive Plan, you will vest in an additional 41,666 option shares on theearlier to occur of (t) January 20, 2002 and (u) your death or Disability or aChange in Control (as those terms are defined in the 1999 Stock IncentivePlan); in each case, without regard to the earlier termination of theConsulting Period by you or GreenPoint for any reason in the sole discretion ofeither you or GreenPoint.  The optionshares that vest as provided in the immediately preceding sentence will remainexercisable for a period of one year from the applicable vesting date, whichperiod, in each case, will not be extended as a result of your death orDisability or a Change in Control (as those terms are defined in the 1994 and 1999Stock Incentive Plans) prior to the expiration of each respective exerciseperiod.  In addition, while serving as aconsultant during the Consulting Period, solely with respect to the 2000 grant,you will vest in an additional 41,668 option shares on the earlier to occur of(w) January 20, 2003 and (x) your death or Disability or a Change in Control(as those terms are defined in the 1999 Stock Incentive Plan); provided,however, that if the applicable vesting date is the date set forth in(w) above, you will not vest in the additional 41,668 option shares if, byJanuary 20, 2003, the Consulting Period has been terminated by you orGreenPoint for any reason in the sole discretion of you or GreenPoint. Theoption shares, if any, that vest as provided in the immediately precedingsentence will remain exercisable for a period of one year from the applicablevesting date, which period will not be extended as a result of your death orDisability or a Change in Control (as those terms are defined in the 1999 StockIncentive Plan) prior to the expiration thereof. The option shares that arefully vested on May 1, 2001 (which GreenPoint acknowledges to be 50,000 optionshares with respect to the 1999 grant and 41,666 option shares with respect tothe 2000 grant) will remain exercisable until April 30, 2002, which period willnot be extended as a result of your death or Disability or a Change in Control(as those terms are defined in the 1994 and 1999 Stock Incentive Plans) priorto the expiration thereof. You shall have the right to exercise the vestedportion of any such option upon the payment of the exercise price and anyapplicable withholding taxes until the expiration of the periods set forthherein.  To the extent any vested optionshares are unexercised as of the expiration of the applicable vesting periodset forth herein, they shall expire and be forfeited immediately. Youacknowledge that except as provided herein (y) any rights in respect of anyother equity awards granted to you under the Stock Incentive Plans referred toabove shall expire and be forfeited as of the Separation Date, including,without limitation, the option to acquire GreenPoint common stock under theStock Option Agreement between GreenPoint and you dated as of February 9, 2001pursuant to GreenPoint’s 1999 Stock Incentive Plan and (z) all other terms ofthe Stock Option Agreements referred to above as well as the 1994 and 1999Stock Incentive Plans (as they may be amended from time to time) shall remainin effect.

             Youacknowledge that the determination of whether you are “retired” or otherwisequalify for “retirement” as those terms (or any derivative terms) are used under the plans, policies, programs,practices, etc. maintained by any of the GreenPoint Entities from time to timewill be made solely and exclusively under the terms and conditions of eachapplicable plan, policy, program, practice, etc., and nothing in this Agreementshall modify or otherwise change the terms or meaning of any such plan, policy,program, practice, etc. with respect to your rights or the rights of any otherperson, or the obligations of any of the GreenPoint Entities thereunder.

             3.          Employment LetterAgreement/Restrictive Covenants. You acknowledge that pursuant to the employment letter agreement betweenyou and GreenPoint dated as of December 4, 1998 (the “Employment Letter”)(attached hereto and made part hereof as Exhibit I), you will continueto be subject to the restrictive covenants set forth in Exhibit Bthereto through the Separation Date and thereafter for the applicable periodsset forth therein.  You and theGreenPoint Entities acknowledge and agree that with respect to the restrictivecovenants set forth in Exhibit B to the Employment Letter, the“Restricted Period” ends on January 1, 2003.

             4.          Termination of Change in ControlAgreement.  You acknowledge andagree that effective as of May 1, 2001, the Change in Control Agreement enteredinto between you and GreenPoint as of March 30, 1999 is terminated, and youfurther agree that the Paul Releasors (as defined in Paragraph 5 below) have norights and the GreenPoint Releasees (as defined in Paragraph 5 below) have noobligations thereunder. 

             5.          Release of Claims by Paul.  You, including for this purpose yourrepresentatives, agents, heirs, executors, administrators, successors, assigns,present or former spouse, dependants, children and family members (“PaulReleasors”), hereby release the GreenPoint Entities, including for this purposetheir respective members, subsidiaries, affiliated entities, predecessors,successors and assigns, and third party beneficiaries, and all of theirrespective current and former employees, officers, directors, managementcommittees, fiduciaries and agents (“GreenPoint Releasees”), of and from anyand all claims, actions, causes of action, suits, and demands, includingattorney’s fees and costs, whatsoever, in law or equity, which against theGreenPoint Releasees the Paul Releasors ever had, now have or hereafter can,shall or may have for, upon, or by reason of any matter, cause or thingwhatsoever in connection with any relationship between the Paul Releasors andthe GreenPoint Releasees, known or unknown, including, without limitation,rights under federal, state or local laws prohibiting age or other forms ofdiscrimination, including Title VII of the Civil Rights Act of 1964; Sections1981 through 1988 of Title 42 of the United States Code; the Age Discriminationin Employment Act of 1967; the Older Workers Benefit Protection Act; theEmployee Retirement Income Security Act of 1974; the Fair Labor Standards Act;the Americans with Disabilities Act; the Family and Medical Leave Act; theNational Labor Relations Act; the Immigration Reform Control Act; theOccupational Safety and Health Act; any and all other federal, state or localhuman rights, retaliation, whistle blower, discrimination, bias, civil rights,wage-hour, benefits, pension or labor laws or any other federal, state or locallaw, rule, regulation or ordinance, including, without limitation, those statelaws that are set forth in Exhibit II to this Agreement, any wrongfuldischarge, public policy, contract, tort or common law; and any allegedentitlement to costs, fees or expenses, including attorneys’ fees, butexcluding any claims under this Agreement and any right to receive vestedbenefits, if any, under the Stock Incentive Plans referred to in Paragraph 2above and any tax-qualified retirement plan maintained by GreenPoint in whichyou are a participant as of the Separation Date, any right to receive COBRAcontinuation health insurance coverage and any right to claim unemploymentinsurance benefits.

The GreenPoint Releasees and the PaulReleasors acknowledge and agree that the Paul Releasors are not waiving anyrights or claims against the GreenPoint Releasees that may arise after the dateon which this Agreement becomes effective.

             5A.       Release of Claims by GreenPoint.  The GreenPoint Entities, including for thispurpose their respective members, subsidiaries, affiliated entities,predecessors, successors and assigns, and third party beneficiaries, and all oftheir respective current and former employees, officers, directors, managementcommittees, fiduciaries and agents (“GreenPoint Releasors”) hereby release you,including for this purpose your representatives, agents, heirs, executors,administrators, successors, assigns, present or former spouse, dependants,children and family members (“Paul Releasees”), of and from any and all claims,actions, causes of action, suits, and demands, including attorney’s fees andcosts, whatsoever, in law or equity, which against the Paul Releasees theGreenPoint Releasors ever had, now have or hereafter can, shall or may havefor, upon, or by reason of any matter, cause or thing whatsoever in connectionwith any relationship between the GreenPoint Releasors and the Paul Releasees,known or unknown, including, without limitation, the use by you or theHeadlands Foundation, Headlands Estates or the Headlands Group of the Headlandsname or the lighthouse logo previously used by Headlands Mortgage Company,rights under any federal, state or local law, rule, regulation or ordinance,public policy, contract, tort or common law, and any alleged entitlement tocosts, fees or expenses, including attorneys’ fees, except that the GreenPointReleasors expressly do not waive any claim, cause of action, right of indemnityor any other relief they may have or be entitled to against the Paul Releaseesunder this Agreement, or for breach of fiduciary duty, criminal conduct, fraud,misappropriation, embezzlement or violation of the restrictive covenantsdescribed in Paragraph 3 above.

The Paul Releasees and the GreenPointReleasors acknowledge and agree that the GreenPoint Releasors are not waivingany rights or claims against the Paul Releasees that may arise after the dateon which this Agreement becomes effective.

             6.          Waiver of Unknown Claims.  Except as otherwise excepted under orexcluded from Paragraphs 5 and 5A above, this is a full and final releasecovering all unsuspected, unknown, undisclosed and unanticipated losses,wrongs, injuries, debts, claims or damages to the GreenPoint Entities and youwhich may have arisen, or may arise from any act or omission prior to theeffective date of this Agreement, and which arise out of or are related,directly or indirectly, to the dealings between the GreenPoint Entities and youprior to the effective date of this Agreement. Therefore, the GreenPoint Entities and you waive any and all rights orbenefits which the GreenPoint Entities and you may now have, or in the futuremay have, under the terms of Section 1542 of the California Civil Code, whichprovides as follows:

Ageneral release does not extend to claims, which the creditor does not know orsuspect to exist in his favor at the time of executing the release, which ifknown by him must have materially affected his settlement with the debtor.

The GreenPoint Entities and youacknowledge that the GreenPoint Entities and you have read this Agreement,including the waiver of California Civil Code Section 1542, and that theGreenPoint Entities and you have been provided the opportunity to consult withcounsel, and did consult with counsel chosen by the GreenPoint Entities andyou, about this Agreement and specifically about the waiver of Section 1542,that the GreenPoint Entities and you understand this Agreement and the Section1542 waiver, and so freely and knowingly enter into this Agreement.  The GreenPoint Entities and you acknowledgethat the GreenPoint Entities and you may hereafter discover facts differentfrom or in addition to those the GreenPoint Entities and you know or nowbelieve to be true with respect to the matters released or described in thisAgreement and the GreenPoint Entities and you agree that the releases andagreements contained herein shall be and will remain effective in all respectsnotwithstanding any later discovery of any such different or additionalfacts.  The GreenPoint Entities and youhereby assume any and all risk of any mistake in connection with the true factsinvolved in the matters, disputes, or controversies described herein or withregard to any facts, which are now unknown to the GreenPoint Entities and yourelating hereto.

             7.          No Claims Exist.  Solely with respect to the claims, etc.released by the GreenPoint Releasors in Paragraph 5A above, GreenPoint confirmsthat by or with respect to the GreenPoint Releasors or for the GreenPointReleasors or on behalf of the GreenPoint Releasors no claim, charge, complaintor action by the GreenPoint Releasors against the Paul Releasees exists in anyforum or form. In the event that any such claim is filed, the GreenPointReleasors shall not be entitled to any relief or recovery therefrom. Solelywith respect to the claims, etc. released by the Paul Releasors in Paragraph 5above, you confirm that by or with respect to the Paul Releasors or for thePaul Releasors or on behalf the Paul Releasors no claim, charge, complaint oraction by the Paul Releasors against the GreenPoint Releasees exists in anyforum or form. In the event that any such claim is filed, the Paul Releasorsshall not be entitled to any relief or recovery therefrom. You agree that inthe event any class or collective action is or was commenced against theGreenPoint Releasees based upon events occurring prior to the effective date ofthis Agreement, the Paul Releasors immediately shall withdraw and/or opt out ofsaid class or collective action upon learning of the inclusion of the PaulReleasors, otherwise you will be in breach of this Agreement.  You further agree that the Paul Releasorsshall not be entitled to any relief or recovery from any such class orcollective action should the Paul Releasors be included in any such actionknowingly or unknowingly.

             8.          Time to Consider and Right ofRevocation.  You understand that (a)you have twenty-one (21) days to consider the terms and the meaning of thisAgreement, (b) you should seek advice from an attorney to consider the termsand the meaning of this Agreement, (c) you may revoke this Agreement for aperiod of seven (7) days following your signing of this Agreement, and (d) nomodifications, alterations, amendments or any other changes to this Agreement,whether material or immaterial, restart, extend or renew the running of thetwenty-one (21) day period in which to consider this Agreement.  You acknowledge that if you execute thisAgreement prior to the expiration of the 21-day period or if you choose toforego the advice of an attorney, you do so freely, knowingly and voluntarilyand waive any and all future claims that such action or actions would affectthe validity of this Agreement.  ThisAgreement will not be effective or enforceable until the revocation period hasexpired without any revocation by you. Any revocation within this period must be submitted in writing andreceived within the revocation period by GreenPoint Financial Corp., 90 ParkAvenue, New York, New York, 10016, Attention: Dr. Mary M. Massimo, HumanResources Division, and must state, “I hereby revoke my acceptance of theletter agreement between GreenPoint Financial Corp. and me” or words to thateffect.  If the last day of therevocation period is a Saturday, Sunday, or legal holiday in New York, then therevocation period shall not expire until the next following day which is not aSaturday, Sunday, or legal holiday.

             9.          Knowing and Voluntary.  The Parties agree that they have enteredinto this Agreement after having had the opportunity to consult an attorney,with such consultation as the Parties deemed appropriate and that the Partieshave a full understanding of their rights and obligations under this Agreementand of the effect of executing this Agreement. The Parties further acknowledge that their execution of this Agreementis made voluntarily and with full understanding of its consequences and has notbeen coerced in any way.  In connectionwith this matter, the Parties have consulted with and have been represented bycounsel, and the Parties acknowledge that they chose their respective counseland are satisfied in all respects with the advice, services and representationprovided by such counsel.  The terms ofthis Agreement are the product of mutual negotiation and compromise between theParties.  The meaning, effect and termsof this Agreement have been fully explained to the Parties by their respectivecounsel.

             10.        Non-Admission.  The Parties acknowledge and agree that thisAgreement shall not be construed as an admission of any fault, wrongdoing orliability whatsoever on the part of either of the Parties and that each of theParties expressly denies that it violated any law, public policy, contract, anyof the policies, practices or procedures of the GreenPoint Entities or had anyliability to each other.

             11.        Non-Disclosure.  (i) You:

                           (a)         agree that you shall not, except asnecessary to satisfy your duties as a shareholder of GreenPoint or as adirector of GreenPoint and the Bank, or as required to enforce this Agreement,or as compelled by law (and upon being so compelled will notify GreenPointimmediately), publicize or disclose to any person or entity any term of or themaking of this Agreement or the facts or circumstances relating thereto; provided,however, you shall disclose in the appropriate circumstances therestrictive covenants described in Paragraph 3 above.  This covenant of confidentiality includes, but is not limited to,the terms or the making of this Agreement and your receipt of the considerationhereunder.  Other than to discuss theterms hereof with your spouse, attorney or tax advisor (each of whom must firstagree not to make any disclosure that you yourself could not make), you willnot disclose to anyone any facts, documents or other information in connectionwith this matter.  Upon receipt of anyinquiry regarding this matter by prospective employers or others, you, or anyof your representatives, shall state only that your separation from theGreenPoint Entities was mutually agreeable. You shall be liable for any damagescaused by your or any other person’s violation of this covenant;

                           (b)        confirm that, as of the date of theexecution of this Agreement, you have not violated the terms of this covenantof confidentiality; and

                           (c)         understand and agree that any violationof this covenant of confidentiality will constitute a material breach of thisagreement, which will cause GreenPoint to suffer immediate, substantial andirreparable injury and which will be a sufficient basis for an award ofinjunctive relief and monetary damages without affecting the remainder of thisAgreement and without affecting GreenPoint’s right to seek or obtain otherequitable or legal relief or remedies.

                                        (ii)GreenPoint agrees that it shall not, except as compelled by law, or as requiredby the U.S. Securities and Exchange Commission or the New York Stock Exchange,or as necessary to continue to operate its business, as determined in its solediscretion, or as required to enforce this Agreement, publicize or disclose toany person or entity any term of or the making of this Agreement. Youunderstand and acknowledge that GreenPoint shall attach this Agreement as anExhibit to its Forms 10-Q and/or Forms 10-K filed with the U.S. Securities andExchange Commission. Upon receipt of any inquiry regarding this matter byprospective employers of you or by others, executive officer representatives ofGreenPoint who are authorized to discuss this matter, shall state only thatyour separation from the GreenPoint Entities was mutually agreeable. GreenPointconfirms that, as of the date of the execution of this Agreement, it has notviolated the terms of this covenant of confidentiality.

             12.        Cooperation/Non-Disparagement.  You agree not to make any remarks or takeany actions that directly or indirectly negatively impact the operations of theGreenPoint Entities. You further agree not to make disparaging or derogatoryremarks concerning GreenPoint Entities to any third party.  GreenPoint agrees to use reasonable effortsto ensure that the executive officer representatives of GreenPoint who are authorizedto discuss this matter do not make disparaging or derogatory remarks concerningyou to any third party.

             13.        Return of Property.  You agree to return to GreenPoint by April30, 2001 any property of the GreenPoint Entities in your possession, includingbut not limited to computer equipment (hardware, including laptop computers,and software), beepers, cellular telephones, keys, credit cards, expenseaccounts, and identification and access and control cards; provided,however, that until April 30, 2002 GreenPoint will leave on the phone numberpreviously assigned to you in GreenPoint’s Larkspur, CA office a message inyour voice advising of your forwarding phone number and will establish on thee-mail address previously assigned to you by GreenPoint an automatic replyadvising of your new phone number, postal address and e-mail address.  You agree to account by April 30, 2001 forall expenses not already accounted for (e.g., credit card bills) and toreimburse GreenPoint by April 30, 2001 for any cash advances or unauthorizedexpenses.  Except for records properlyobtained and maintained by you in your capacity as a shareholder and director,you also agree to return all documents, in whatever form you possess them (e.g.,whether in hard-copy or electronically) bearing upon the business of the GreenPointEntities, including but not limited to research data, production reports,product descriptions, customer lists, phone lists, manuals, reports or otherrecords relating to the business or processes of the GreenPoint Entities andyou will not maintain, in any form, any copies of such documents.

             14.        Entire Agreement.  This Agreement (including the attachmentshereto) constitutes our complete agreement and, except as provided in Paragraph15 below, may not be changed except by a writing signed by you andGreenPoint.  This Agreement shall bebinding upon and inure to the benefit of you, GreenPoint and the successors,assigns, beneficiaries, heirs and legal representatives of you and GreenPoint.

             15.        Construction.  This Agreement shall be governed and interpretedby and in accordance with the laws of the State of California without regard toits conflict of laws provision.  In theevent any provision of this Agreement shall be deemed unenforceable or void,all remaining provisions of this Agreement shall remain in full force andeffect, except as specified below.  Inthe event that any of the provisions of this Agreement shall be deemed by anycourt of competent jurisdiction, or any arbitrator in any proceedings in whichthe GreenPoint Releasees, the Paul Releasors, the Paul Releasees or theGreenPoint Releasors shall be a party, to be unenforceable because of itsduration, scope, or area, it shall be deemed to be and shall be amended toconform to the scope, period of time and geographical area which would permitit to be enforced.  The court orarbitrator shall make such other modifications as are necessary to effectuatethe intent of the Parties in entering into this Agreement.

             16.        No Payment of Legal Fees.  Each of the Parties shall be responsible forits own legal fees or costs incurred, if any, in connection with thenegotiation and settlement of this Agreement.

             17.        Legal and Administrative Proceedings.  During the Consulting Period, you agree tocooperate, assist, and participate, without charge and with reasonable travelexpenses and disbursements, in connection with any legal, administrative orother similar proceeding in which you were involved during your employment withthe GreenPoint Entities and their respective predecessors and in any other legal,administrative or other similar proceeding filed against or brought by theGreenPoint Entities, including but not limited to meetings with attorneys forthe GreenPoint Entities and appearing at and testifying truthfully at anyproceeding where your presence is required. Specifically, you agree to be available on an as needed basis (asreasonably determined by GreenPoint); provided, however, that (a)GreenPoint will provide advance notice to you each time GreenPoint will needyou to be available, and (b) GreenPoint’s need for you to be available will notunreasonably conflict with your employment or personal schedule.

             18.        Resolution of Disputes.  Except as may be required to enforce anyrestrictive covenants set forth herein or in the Employment Letter, including ExhibitB thereto, any controversy or claim arising out of or relating to thisAgreement, or the breach thereof, shall be settled solely by arbitration, inaccordance with the rules of the American Arbitration Association (“AAA”), inMarin County, California, or if the AAA does not have an office in MarinCounty, California, then in San Francisco, California.  In such arbitration, each party shall bearits own legal fees and related costs, except that the parties shall shareequally the fee of the arbitrator.  Tothe extent that any claim is found not to be properly subject to arbitration,such claim shall be either decided by the U. S. District Court or theappropriate state court in and for the District or County, as the case may be,in San Francisco, California, and all such claims shall be adjudicated by ajudge sitting without a jury, to ensure rapid adjudication of those claims andproper application of existing law.

             19.        Headlands Name/Logo. TheGreenPoint Entities agree not to contest or object to the use by the HeadlandsFoundation, a California non profit public benefit corporation (the"Headlands Foundation") of (i) the term "Headlands" in thename of the Headlands Foundation and (ii) the lighthouse logo previously usedby Headlands Mortgage Company; provided, however, that (A) theHeadlands Foundation continues to qualify as a 501(c)(3) corporation under theInternal Revenue Code of 1986, as amended, and (B) the Headlands Foundationdoes not directly or indirectly engage in the business activity of residentialfinance, including, without limitation, originating or servicing mortgageloans.

 

**[remainder of this page leftblank on purpose]**

If the abovecorrectly reflects your understanding of the agreement negotiated and reachedbetween you and GreenPoint, kindly sign an original of this letter agreementbelow where indicated and return it to me. The other original is for your files.

 

Verytruly yours,

|    | /s/                        | Mary M. Massimo |   |
|--------------|----------------------------|-----------------|--------|
|         |                            |            |
|         | Mary M. Massimo            |            |
|         | Senior Vice President and  |            |
|         | Human  Resources Director  |            |
|         | GreenPoint Financial Corp. |            |

 

ACCEPTEDAND AGREED:

 

| /s/  | Peter  T. Paul |   |
|-----------|----------------|--------|
|      |                |   |
|      | Peter  T. Paul |   |
|      |           |   |
| Date:     | May 2, 2001    |   |

 

Peter T. PaulHeadlands Mortgage Company

Dear Mr. Paul:

             Inconnection with the proposed transaction by and among GreenPoint FinancialCorp. (“GreenPoint”), Headlands Mortgage Company (“Headlands”) and GFCAcquisition Corp. (“GFC”) (the “Merger”) and subject to the consummation of theMerger, GreenPoint is pleased to extend to you an offer of employment in considerationof the substantial contributions you are expected to make and the value that weknow you will bring to GreenPoint.  Theterms of the offer are as follows:
| 1.     | Term.  GreenPoint agrees to employ you, and you agree to enter into the employ of  GreenPoint, subject to the terms and conditions of this letter agreement, for  the period commencing on the effective date of the Merger and ending on the  second anniversary thereof (the “Term”), subject to earlier termination as  set forth below.                                                                                                                                                                                                                                                                                                                                      |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| 2.     | Title;  Position. During the Term, you  shall serve as a Vice Chairman of GreenPoint, as a member of the Board of  Directors of GreenPoint (the “Board”) and as the Chief Executive Officer of  Headlands, with responsibilities commensurate with such positions.   During the Term, you agree to devote your  full attention, time, skill and energy to the business and affairs of  GreenPoint and to use your best efforts to perform such responsibilities in a  professional manner.   In the event  that your employment with GreenPoint and its affiliates is terminated for any  reason, you shall automatically cease to be a member of the Board. |
|   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| 3.     | Compensation.  Your starting annual base salary will be  $300,000.  You will be eligible to  participate in a cash incentive compensation program, pursuant to the terms  and conditions of the program made available to you by GreenPoint from time  to time.                                                                                                                                                                                                                                                                                                                                                                                                                  |
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| 4.     | Stock  Options.   On the effective date of the Merger, you  will be granted an option to purchase 75,000 shares of common stock of  GreenPoint (the “Option”).  The Option  will vest and become exercisable in three equal installments on each of the  first, second and third anniversaries of the date of grant.  The Option will be governed by the terms  of GreenPoint's Stock Option Plan and a Stock Option Agreement to be entered  into between you and GreenPoint.   While employed by GreenPoint, you will be eligible to receive annual  option grants as determined by the Compensation Committee of the Board.                          |
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| 5.     | Other  Benefits.  You will be eligible to participate in the  benefit plans, programs and arrangements generally made available to you by  GreenPoint from time to time on the terms and conditions thereof, including  paid vacation, life insurance, health insurance, disability insurance and  retirement benefits.  In addition, you  shall be entitled to change in control protection for covered transactions or  events occurring after the effective date of the Merger, in accordance with  GreenPoint's standard change in control agreement for executives in the form  attached hereto as Exhibit A.                                                               |

 

| 6.Termination  of Employment.  If after the effective date of the Merger  and prior to the second anniversary thereof, your employment is terminated by  GreenPoint without Cause or you terminate your employment for Good Reason (each  a “Qualifying Termination”), you will be paid the following amounts: (a) any  earned and unpaid portion of your annual base salary through the date of  termination, and (b) base salary for the period (the “Continuation Period”)  equal to the longer of (x) twelve months or (y) the number of months from the  date of termination until the second anniversary of the effective date of the  Merger, as and when such amounts were otherwise payable in accordance with  GreenPoint’s normal payroll practice.   In addition, during the Continuation Period (or, if earlier, the date  you commence employment with a new employer), you will be entitled to  continued health, life and disability insurance benefits on a similar basis  as such benefits are generally provided to active employees of GreenPoint  from time to time, including cost sharing.   The termination payments and benefits set forth in this Section 6 will  not be paid to you to the extent you are also entitled to receive the payments  and benefits provided under the change in control agreement described in  Section 5 hereto.
Forpurposes of this letter agreement, “Cause” shall mean:
 (i)acts  or omissions constituting gross negligence, recklessness or willful  misconduct by you in respect of your fiduciary obligations or otherwise  relating to the business of GreenPoint or any of its affiliates;     (ii)a  material breach by you of this letter agreement; or     (iii)your  conviction of or entry of a plea of nolo contendere to a charge of fraud,  misappropriation or  embezzlement.
             

              For purposes of this letter agreement, “GoodReason” shall mean:
 (i)a  reduction in your title and/or compensation (each as provided herein) or the  assignment to you of any duties not consistent with those of a senior  executive of GreenPoint, except in connection with GreenPoint’s termination  of your employment for Cause;    (ii)any  material breach of this letter agreement by GreenPoint, including, but not  limited to, a reduction by GreenPoint in your annual base salary as set forth  herein or a change in the conditions of your employment (e.g.,  including, without limitation, a failure by GreenPoint to provide you with  incentive compensation and benefit plans that provide incentive compensation  opportunity or benefits, in each case comparable to those made available  under the plans or programs provided to you by GreenPoint on the effective  date of the Merger and at the appropriate level for the duties of a similarly  situated officer), other than an alteration in the terms of the programs or benefit  plans of general applicability; or    (iii)the  relocation of your principal office location to a location more than 25 miles  from its location as of the effective date of the Merger, except for required  business travel consistent with your duties.
 

Notwithstandingthe foregoing, no event, action or omission shall constitute Good Reason if youshall have consented in writing thereto. You agree to provide GreenPoint with 30 days advance written notice ofany termination of your employment for Good Reason and that any such notice oftermination for Good Reason will set forth with specificity the basis for andthe events claimed to constitute Good Reason.

                                        Youmay terminate your employment with GreenPoint at any time without Good Reasonby giving GreenPoint written notice not less than 120 days in advance of thedate of termination.  Upon anytermination of your employment (other than a Qualifying Termination), thisletter agreement shall terminate without further obligation to you other thanfor the payment of earned and unpaid annual base salary through the date oftermination.
7.Restrictive  Covenants.  In consideration of the grant of the  Option and other good and valuable consideration (as more fully described in  Exhibit B hereto), you will be subject to the restrictive covenant agreement  set forth in Exhibit B attached hereto.   In addition, you will not disclose the terms of this letter agreement  to any third party, except your spouse, if any, and your accountant and  attorney, and any prospective employer. The provisions of the restrictive  covenants set forth herein and in Exhibit B will remain in full force and  effect until the expiration of the period specified therein, notwithstanding  the earlier termination of your employment hereunder or of the Term of this  letter agreement.  8.Other  Agreements.  This letter agreement supersedes and  terminates all prior employment, severance or change of control agreements  and understandings between you and Headlands or its affiliates.  You agree that your outstanding options to  acquire shares of Headlands Common Stock will be treated as provided for in  the Agreement and Plan of Merger dated as of December 8, 1998 by and among,  GreenPoint, Headlands and GFC.
 

As I am sure you understand, theeffectiveness of this letter agreement and of the offer of employment iscontingent upon (a) GreenPoint, Headlands and GFC entering into the Agreementand Plan of Merger and the consummation of the transaction contemplated by thatAgreement, and (b) your acceptance of this offer by signing an original of thisletter.  If these conditions aresatisfied, your employment with GreenPoint will start as of the effective dateof the Merger.

We look forward to your acceptance ofthis offer and to a long and mutually rewarding relationship.

Sincerely,

 
/S/  S. A. Ibrahim  S.  A. Ibrahim Executive  Vice President 
 

I accept the offer of employment made tome byGreenPoint Financial Corp. dated December 4, 1998.In accepting this offer, I agree that I did not relyon any promises or representations, other than those made in this letter.
Signature:/S/  Peter T. Paul    Peter  T. Paul    Date:December  6, 1998 
EXHIBITB

RestrictiveCovenant Agreement

             Youacknowledge that during the course of your employment with GreenPoint FinancialCorp. (“GreenPoint”) you will have complete access to highly confidentialinformation and trade secrets relating to GreenPoint's and GreenPoint'ssubsidiaries', divisions' or any affiliated or related entities'("Affiliated Entities") non-conforming mortgage banking business (the“Non-Conforming Mortgage Banking Business”), which is not generally in thepublic domain.  For purposes of theserestrictive covenants, "Non-Conforming Mortgage Banking Business"means the business of originating, purchasing, selling and servicing mortgageloans that are non-conforming with respect to documentation or otherunderwriting criteria or credit.  Suchtrade secrets and confidential information include, but are not limited to,production reports, product descriptions, customer lists, phone lists, salesand marketing strategies and plans for future business, business developmentand methods, procedures and devices, business and customer contacts.  Moreover, you will have complete access toGreenPoint's and/or its Affiliated Entities' expertise in the Non-ConformingMortgage Banking Business, its strategies and, perhaps most significantly, itshighly trained staff.  You specificallyacknowledge and agree that the Non-Conforming Mortgage Banking Business is ahighly specialized "niche". You further acknowledge and agree that as a result of your access to thetrade secrets and confidential information during the course of your employmentat Headlands Mortgage Company (“Headlands”) and its affiliates and GreenPointyou developed skill and expertise in the area of the Non-Conforming MortgageBanking Business which allows you to provide unique and special services toGreenPoint in the area of the Non-Conforming Mortgage Banking Business.

             Allof these factors place you in a unique position to advantageously compete withGreenPoint and/or its Affiliated Entities or assist a competitor in competingwith GreenPoint and/or its Affiliated Entities in the Non-Conforming MortgageBanking Business by utilizing such trade secrets or confidential information,including utilizing such information to lure away key GreenPointemployees.  You further agree that suchunfair competition would cause irreparable harm to GreenPoint.

             Therefore,in consideration of the grant of the Option (as that term is defined in theletter agreement between GreenPoint and you dated December 4, 1998 (the “LetterAgreement”)) and for the consideration being received by you in connection withthe transaction (the “Merger”) contemplated by the Agreement and Plan of Mergerby and among GreenPoint, Headlands and GFC Acquisition Corp. (the “MergerAgreement”), which transaction is a transaction described in Section 16601 ofthe California Business and Professions Code and acknowledging that you are aselling shareholder of Headlands for purposes of said Section 16601, youvoluntarily, knowingly and willfully agree to the following:
1.For  the period commencing on the effective date of the Merger and ending two (2)  years after your separation from employment from GreenPoint for any reason  (the “Restricted Period”), you will not directly or indirectly solicit,  induce, influence, aid or suggest to any employee whose employment directly  or indirectly relates or related to GreenPoint's Non-Conforming Mortgage Banking  Business and who was employed as of the effective date of the Merger or at  any time since by Headlands, GreenPoint or any Affiliated Entity (a  "GreenPoint Employee"), to leave GreenPoint's or any Affiliated  Entity's employ or to seek employment with you (including any business entity  you own, control, manage or operate) or any other employer.  Nor will you provide information about a  GreenPoint Employee to any potential employer of you or a GreenPoint Employee  or in any way assist, directly or indirectly, a potential employer of you or  a GreenPoint Employee to solicit, induce, influence, aid or suggest the  employment of a GreenPoint Employee.
 
2.During  your employment with GreenPoint and its Affiliated Entities and at all times  thereafter, you specifically agree to hold all trade secrets and confidential  information, including without limitation the trade secrets and confidential  information referenced above, in the strictest confidence, and that you will  not, without GreenPoint's prior written consent, disclose, divulge or reveal  to any person or business entity, or use for any purpose other than for the  exclusive benefit of GreenPoint or any Affiliated Entity, any such trade  secrets and confidential information, except (i) in connection with the implementation  or enforcement of the Letter Agreement, or (ii) pursuant to judicial or  administrative process (but you will notify GreenPoint immediately if you  receive such process).  3.You  acknowledge that GreenPoint will engage in the Non-Conforming Mortgage  Banking Business throughout the country. You acknowledge that if you were to  become an employee of or a consultant to a competing organization, your new  duties and the products, services and technology of the competing  organization would be so similar or related to those employed by you as an  employee of GreenPoint that it would be very difficult for you not to rely on  or use the trade secrets and confidential information referenced above.  You further acknowledge that you, and any  such entity to which you may be rendering services, cannot avoid using the  trade secrets and confidential information, because even in the best good  faith, you cannot as a practical matter avoid using the knowledge of the  trade secrets and confidential information in your work with such an  entity.  Accordingly, during the  Restricted Period, you will not, directly or indirectly, own, manage,  operate, control or participate in the ownership, management, operation or  control of or be connected as a principal, employee, officer, director,  independent contractor, representative, stockholder, financial backer,  partner, advisor or in any other individual or representative capacity any  business which engages in the Non-Conforming Mortgage Banking Business, nor  will you canvas and advertise for or otherwise assist or advise any business  entity to engage in, start or develop a Non-Conforming Mortgage Banking  Business ("engage in the Non-Conforming Mortgage Banking  Business"), in any area in which Headlands or its affiliates were  authorized to engage in the Non-Conforming Mortgage Banking Business prior to  the effective date of the Merger, except as provided hereunder.  Included in this covenant not to engage in  the Non-Conforming Mortgage Banking Business, you agree you will not (i) solicit  Non-Conforming Mortgage Banking Business or otherwise deal directly or  indirectly with any customers, appraisers, vendors, correspondents, brokers,  lender associates or affiliated entities, of GreenPoint or its Affiliated  Entities at any time with respect to the Non-Conforming Mortgage Banking  Business; (ii) directly or indirectly divert or attempt to divert from  GreenPoint or its Affiliated Entities any Non-Conforming Mortgage Banking  Business; and (iii) directly or indirectly interfere or attempt to interfere  with the relationships between GreenPoint or its Affiliated Entities, their  customers, appraisers, vendors, brokers or affiliates, employees of  customers, appraisers, vendors, correspondents, brokers, lender associates or  affiliates with respect to the Non-Conforming Mortgage Banking Business.   4.This  Agreement does not prohibit you from working for any financial institutions  or other business entities that engage in the Non-Conforming Mortgage Banking  Business, provided that you do not engage in the Non-Conforming Mortgage  Banking Business (as defined above) of any such entity.  5.Notwithstanding  the foregoing, you shall not be prohibited from investing and owning not more  than one percent (1%) of the outstanding shares of common stock of any  corporation, the shares of which are publicly traded pursuant to the  Securities Exchange Act of 1934, and/or passively invest as a limited partner  in any non-publicly traded security or be employed by government or quasi  governmental agencies such as the Federal National Mortgage Association and  the Federal Housing Loan Mortgage Corporation.   6.You  acknowledge and agree that:  (i) the  purposes of the foregoing covenants, including without limitation the  noncompetition covenants, are to protect the goodwill, trade secrets and  confidential information of GreenPoint and of Headlands and its affiliates  acquired by GreenPoint, and to prevent you from interfering with the  Non-Conforming Mortgage Banking Business of GreenPoint as a result of or  following termination of your employment with GreenPoint; (ii) that the  foregoing covenants, including without limitation the noncompetition  covenants, are being given in part in consideration for the consideration  being received by you as a result of the transaction contemplated by the  Merger Agreement, that such transaction is a transaction described in Section  16601 of the California Business and Professions Code and that you are a  selling shareholder of Headlands for purposes of said Section 16601; (iii)  because of the nature of the Non-Conforming Mortgage Banking Business and  because of the nature of the trade secrets and confidential information to  which you have access, it would be impractical and excessively difficult to  determine the actual damages of GreenPoint   or its Affiliated Entities in the event you breached any of the  covenants of this Restrictive Covenant Agreement; and (iv) remedies at law  (such as monetary damages) for any breach of your obligations hereunder would  be inadequate. You therefore agree and consent that if you commit any breach  of a covenant hereunder or threaten to commit any such breach, GreenPoint  shall have the right (in addition to, and not in lieu of, any other right or  remedy that may be available to it) to temporary and permanent injunctive relief  from a court of competent jurisdiction, without posting any bond or other  security and without the necessity of proof of actual damage.  With respect to any provision of this  Restrictive Covenant Agreement finally determined by a court of competent  jurisdiction to be unenforceable, you, GreenPoint and its Affiliated Entities  hereby agree that such court shall have jurisdiction to reform this  Restrictive Covenant Agreement or any provision hereof so that it is  enforceable to the maximum extent permitted by law, and the parties agree to  abide by such court’s determination.   If any of the covenants of this Restrictive Covenant Agreement are determined  to be wholly or partially unenforceable in any jurisdiction, such  determination shall not be a bar to or in any way diminish the right of  GreenPoint to enforce any such covenant in any other jurisdiction.     7.You  agree that these restrictive covenants shall be governed and interpreted by  and in accordance with the laws of the State of California without regard to  its conflicts of laws provision.  You  agree and understand that the provisions of this Restrictive Covenant  Agreement shall remain in full force and effect until the expiration of the  period specified herein notwithstanding the earlier termination of your  employment or of the Letter Agreement.   8.You  agree that the above provisions are reasonable and enforceable and that  compliance with all of the above provisions is necessary to protect the  business and goodwill of GreenPoint and its Affiliated Entities.
 

 
Signature:/S/  Peter T. Paul    Peter  T. Paul    Date:December  6, 1998 
 
 Alabama  Age Discrimination Law, Alabama Code Sec. 25-1-20 et seq.    Payment of Wages, Alabama Code Sec. 36-6-1  Alaska  Human Rights Law, Alaska Statutes Sec. 18.80.010 et seq.    Payment of Wages, Alaska Statutes Sec. 23.05.140(b) and (d)  Arizona  Civil Rights Law, Arizona Revised Statutes Sec. 41-1401 et seq.    Arizona Equal Pay Law, Arizona Revised Statutes Sec. 23-240 et seq.    Payment of Wages, Arizona Statutes Annotated Sec. 23-353 et seq.  Arkansas  Civil Rights Act, Arkansas Code Annotated Title 16, Ch. 123, Sec. 101-108   Arkansas Equal Pay Law, Arkansas Code Annotated Title 11, Ch. 4, Sub. Ch. 4,  Sec. 11-  4-601 through 11-4-612  The  California Fair Employment and Housing Act   The California Sexual Orientation Bias Laws   The California Confidentiality of Medical Information Law   The Unruh Act   The California Apprenticeship Program Bias Law   The California Military Personnel Bias Law   The California Moore-Brown Roberti Family Rights Act   The California Parental Leave Law for School Visits   The California Comparable Worth Law   The California Wage and Hour Laws   The California Occupational and Safety and Health Act  Colorado  Anti-Discrimination Act of 1957, Co.   St. Section 24-34-302 et seq.    Colorado Equal Pay Law, Co. St. Section 8-5-101 et seq.    Colorado Civil Rights Commission Regulations on Employment   Colorado Civil Rights Commission Age Discrimination Rules   Colorado Civil Rights Commission Creed and Religious Discrimination Rules   Colorado Civil Rights Commission Handicap Discrimination Rules   Colorado Civil Rights Commission National Origin Discrimination Rules   Colorado Civil Rights Commission Sex Discrimination Rules   Colorado Civil Rights Commission Employment Testing Rules  Connecticut  Human Rights and Opportunities Law, 814 Gen. Stat. Conn. 46-a-51 to 46-a-104   Equal Pay Law, Gen. Stat. Conn. Sec. 31-58(e), 31-75 and 31-76   Age Discrimination and Employment Insurance Benefits Law, Gen. Stat. Conn.  Sec. 38a-543   Payment of Wages, Gen. Stat. Conn. Sec. 31-72  Delaware  Fair Employment Practices Act, 19 Delaware Code Annotated 710-718   Delaware Equal Pay Act, 19 Delaware Code Annotated 1107A   Delaware Handicap Discrimination Law, 19 Delaware Code Annotated 720-728   Payment of Wages (no official title), 19 Delaware Code Annotated Sec. 1103,  Sec. 1109  The  District of Columbia Human Rights Act, D.C.Code §§1-2501 to 1-2557   The District of Columbia Employment Rights of Blind and Physically Disabled  Persons   (“White Cane Act”), D.C.Code Ann. §6-1701 to 6-1709  The  Florida Civil Rights Act of 1992   The Florida Equal Pay Act, §725.07 Florida Statutes   The Florida Whistleblower Act §§448.102, et seq.,  Florida Statutes   Florida’s Attorney’s Fees Provision for Successful Litigants in Suits for  Unpaid Wages,  §448.08, Florida Statutes  Georgia  Fair Employment Practices Act, Georgia Code Annotated Sec. 45-19-20 to  45-19-45   Equal Employment for Persons with Disabilities Code, Georgia Code Annotated  Sec, 34-6A-1 to 34-6A-6   Georgia Age Discrimination Act, Georgia Code Annotated Sec. 34-1-2-et seq.    Equal Pay Law, Georgia Code Annotated Sec. 34-5-1 et seq.    Payment of Wages, Georgia Code Annotated Sec. 34-7-2  Hawaii  Fair Employment Practices Law, 21 Hawaii Revised Statutes Ch. 378-1 to 378-9   Equal Pay Law,   Hawaii Revised Statutes Sec. 387-4   Payment of Wages, Hawaii Revised Statutes Sec. 388-3, et seq.  Idaho  Fair Employment Practices Act, I.C. Section 67-5901, et seq.    Idaho Equal Pay Law, I.C. Section 44-1701, et seq.    Idaho Civil Rights Law, I.C. Section 18-7301, et seq.    Idaho Wage Claim Statute, I.C. Section 45-601, et seq.  The  Illinois State Wage and Hour Laws   The Illinois Equal Pay Laws   The Illinois Wage Payment and Collection Act   The Illinois Health and Safety Act The Illinois Human Rights Act   The Illinois Joint Agency Rules on Sex Discrimination   The Illinois Joint Agency Rules on National Origin and Discrimination  Indiana  Civil Rights Law, as amended   Indiana Equal Pay Act, as amended   Indiana Minimum Wage Law of 1965, as amended   Indiana Handicap Discrimination Law, as amended   Indiana Age Discrimination Act, as amended   Indiana Occupational Safety and Health Act of 1974, as amended  Iowa  Civil Rights Act of 1965, I.C. Section 216.1 et seq.    Iowa Wage Payment Collection Law, I.C. Section 91A.1 et seq.  Kansas  Act Against Discrimination, K.S. Ch. 44, Art. 10   Kansas Equal Pay Law, K.S. Section 44-1205, et seq.    Kansas Age Discrimination in Employment Act, K.S. Section 44-1111, et seq.    Kansas Age Discrimination Guidelines   Kansas Laws for Payments of Compensation K.S. Section 44-301, et seq.  Kentucky  Civil Rights Act, as amended   Kentucky Equal Opportunities Act, as amended   Kentucky Equal Pay Law, as amended Kentucky Constitution  The  Louisiana Employment Discrimination Law, (La. R.S. Ann. Title 23, Ch. 3-A,  §301 et seq.)    The Louisiana Age Discrimination Law (La. R.S. Ann. Title 23, Ch. 9, §§311  through 314)   The Louisiana Commission on Human Rights Act   (La. R.S. 51:2231 et seq.)    The Louisiana Discrimination in Employment Act (La. R.S. 23:301 et seq.)    The Louisiana Age Discrimination in Employment Act (La. R.S. 23:311 et seq.)    The Louisiana Wage Payment Law (La. R.S. 23:631 et seq.)   The Louisiana Code of Civil Procedure, Art. 2592  The  Maine Human Rights Act, Me. Rev. Stat. Ann. tit. 5, §4551 et seq.    The Maine Equal Pay Law, Me. Rev. Stat. Ann. tit. 26, Ch. 7, §628   The Maine Sexual Harassment Policies Law, Me. Rev. Stat. Ann. tit. 26, §806  The  Maryland Fair Employment Practices Act, Md. Code Ann. art. 49B, §1 et seq.    The Maryland Handicapped Anti-Discrimination Regulations, Md. Regs, Code tit.  14.03.02.01 et  seq.   The Maryland Equal Pay Law, Md. Code Ann., Lab. & Empl., Subtitle 3,  §§301 to 308  The  Massachusetts Fair Employment Practice Act, Mass. Gen. Laws ch. 151B, §§1 to  10   The Equal Pay and Maternity Benefits Law, Mass. Gen. Laws ch. 149, §105A to  105D   The Massachusetts Equal Rights Act, Mass. Gen. Laws ch. 93, §102   The Massachusetts Age Discrimination Law, Mass. Gen. Laws ch. 149, §24A to  24I   Payment of Wages, Mass. Gen. Laws Ann. ch. 149 §148  The  Michigan Elliot-Larsen Civil Rights Act, Mich. Comp. Laws, §§37.2101 through  37.2804   The Michigan Bias Against Handicapped Law, Mich. Comp. Laws Ann., §37.1101 et seq.    The Michigan Equal Pay Law, Mich. Comp. Laws Ann., §§408.381, 408.382 and  408.392, 408.393, 408.394, 408.395, 408.397 Violation of Equal Pay Law, Mich.  Comp. Laws Ann. §750.556  Minnesota  Human Rights Act, Minnesota Statutes, Sections 363.01-363.15.   Minnesota Equal Pay Law, Minnesota Statutes, Sections 181.66-181.71   Minnesota Age Discrimination Act, Minnesota Statutes, Section 181.81, et seq.  Missouri  Human Rights Law and Related Regulations   Missouri Equal Pay Laws  Montana  Human Rights Act, Title 49, Chs. 1 through 4 of the  Montana Code Annotated Montana Persons with Disabilities Employment  Preference Act, Title 39, Ch. 30,   Sections 39-30-101 to 39-30-207 of the Montana Code Annotated  The  Nebraska Fair Employment Practice Act, Neb. Rev. Stat. §48.1101 et seq.    The Act Prohibiting Unjust Discrimination in Employment Because of Age, Neb.  Rev.   Stat. §§48-1001 to 48-1010  The  Nevada Fair Employment Practice Act, Nev. Rev. Stat. §§613.310 to 613.435   The Nevada State Wage and Hour Laws, Nev. Rev. Stat. §608.015   The Nevada Equal Pay Law, Nev. Rev. Stat §608.817  The  New Hampshire Equal Pay Law, N.H. Rev. Stat. Ann. Ch. 275, §275.36 to 275.4   The New Hampshire Law Against Discrimination, N.H. Rev. Stat. Ann. §§354-A:1  to 354-A:26  The  New Jersey Equal Pay Act, N.J. Stat. Ann. Title 34, Ch. 11, §§34:11-56.1 to  34:11-56.11   The New Jersey Law Against Discrimination, N.J. Stat. Ann.§10:5-12   The New Jersey Civil Rights Division Rules of Practice, Title 13, Ch. 4,  §§13.4-1.1 et  seq. of the New Jersey  Administrative Code Equal Employment Opportunity, Title 4A, Ch. 7, §§1-1 et seq.  of the New Jersey Administrative Code  The  New York Human Rights Law   The New York Minimum Wage Law   The Equal Pay Law of New York  The  New Mexico Human Rights Act   The New Mexico AIDS Testing Law   The New Mexico Genetic Information Privacy Act   The New Mexico Employee Privacy Act   The New Mexico Wage and Hour Laws   The New Mexico Occupational Health and Safety Act  The  North Carolina Equal Employment Practices Act, N.C. Gen. Stat. §143-422.2   The North Carolina Handicapped Persons Protection Act, N.C. Gen. Stat.  §168A-5(a)  The  North Dakota Equal Pay Act, N.D. Cent. Code §§34-06.1-01 1034-06.1-09   The North Dakota Human Rights Act, N.D. Cent. Code §14-03.4-03   The North Dakota Age Discrimination Act, N.D. Cent. Code §34-01-17   The North Dakota Anti-Discrimination Law, N.D. Cent. Code §14-02.4-08  The  Ohio Fair Employment Practices Law, Ohio Rev. Code Ann. Title 41 §4112.02 et seq.    The Ohio Equal Pay Law, Ohio Rev. Ann. Code, §4111.17(A)   The Ohio Civil Rights Act, Ohio Rev. Code Ann. §§4112.01-4112.99  The  Oklahoma Anti-Discrimination Statutes (25 O.S. 1301 et seq.)    The Oklahoma Workers’ Compensation Act (85 O.S. 5 et seq.)  The  Oregon Equal Pay Law, Or. Rev. Stat. Title 51, Ch. 652, §652.10 et seq.    The Oregon Safe Employment Act, Or. Rev. Stat. §§659.062   The Oregon Fair Employment Practices Act, Or. Rev. Stat. §659.030   Oregon Handicap Bias Law, Or. Rev. Stat. §659.400(1), 659(435)(1)  Pennsylvania  Human Relations Act, as amended   Pennsylvania Wage Payment and Collection Law, as amended   Pennsylvania Minimum Wage Act, as amended   Pennsylvania Equal Pay Law, as amended  The  Rhode Island Equal Pay Law, R.I. Gen. Laws Title 28, Ch. 6, §§28-6-17 through  28-6-21   The Rhode Island Fair Employment Practices Act, R.I. Gen. Laws §28-5   The Rhode Island Equal Pay and Comparable Worth Commission, R.I. Gen. Laws  Title 42, Ch. 124, §1 et seq.   The Rhode Island Civil Rights Act, R.I. Gen. Laws Title 42, Ch. 112,  §§42-112-1 and 42-112-2  South  Carolina Human Affairs Law, S.C. Code Sec. 1-13-20 et seq.  (Supp 1998)   South Carolina Wage Payment Act, S.C. Code Sec. 41-10-10 et seq.,  (Supp 1998)   South Carolina Workers’ Compensation Law  The  South Dakota Human Relations Act, S.D. Codified Laws §20-13-1 to 20-13-56   The South Dakota Equal Pay Law, S.D. Codified Laws §60-12-15 et seq.    The South Dakota Local Fair Employment Practices Legislation, S.D. Codified  Laws §20-12- 4 to 20-12-9  The  Tennessee Anti-Discrimination Act, Tenn. Code Ann. tit. 4, Chap. 21, §101 et seq.    The Tennessee Fair Employment Practices Law, Tenn. Code Ann. §4-21-407(b)   The Tennessee Equal Pay Act, Tenn Code. Ann. tit. 50, Chap. 2, §§201-206   The Tennessee Handicap Bias Law, Tenn. Code Ann. tit. 8, §8-50-102  The  Texas Employment, Discrimination Law, Tex. Lab. Code, tit. 2, Chap. 21  §21.001 et seq  The Texas Commission on Human Rights Act, Tex. Lab. Code Ann. §21.101   The Texas Communicable Disease Act, Texas Code Ann. ch. 81, Subchapter F.   Disability Discrimination, Tex. Hum. Res. Code 121.001 et seq.    The Texas Commission on Human Rights Law, Texas Government Code, Tit. 2, Ch.  461, Subchapter A-C, §461.001 et seq.    The Texas Equal Pay Act, Texas Gov’t Code Ann., tit. 5, §659.001   The Texas Public Employment Discrimination Act, Texas Civ. Prac. and Rem.,  tit. 5, §106.001 et  seq.   The Texas Human Rights Commission Rules, 40 Tex. Admin. Code, §321.1 et seq.  The  Utah Antidiscrimination Act, Utah Code Ann. tit. 34A §101 et seq.  The  Vermont Fair Employment Practices Act, Vt. Stat. Ann. tit. 21, §495 et seq.    The Vermont Human Rights Commission, Vt. Stat. Ann. tit. 9  The  Virginia Human Rights Act, Va. Code tit. 2.1, Ch. 42, §2.1-714 et seq.    The Virginia Equal Pay Act, Va. Code §40.1-28.6   The Virginians with Disabilities Act, Va. Code tit. 51.5, §51.5 et seq.  The  Washington Law Against Discrimination in Employment, Wash. Rec. Code  §49.60.010 et  seq.   The Washington Equal Pay Law, Wash. Rev. Code §49.12.175   The Washington Sex Discrimination Law, Wash. Rev. Code Ch. 49.12, §200   The Washington Age Discrimination Law, Wash. Rev. Code tit. 49, §49.44.090  Wis.  Stat. 110.31, et  seq.  The  West Virginia Human Rights Act, W.Va. Code Ann. §§5-11-1 through 5-11-20   The West Virginia Equal Pay Law, W.Va. Code Ch. 21, Art. 3, §19  The  Wyoming Fair Employment Practices Act, Wyo. Stat. tit. 27, Ch. 9, §101-108  The Wyoming Equal Pay Law, Wyo. Stat. tit. 27, Ch. 4, §301-304 
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