##### 



SECOND AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT
   DELEK REFINING, LTD.,
 DELEK PIPELINE TEXAS, INC.
 THE LENDERS FROM TIME TO TIME PARTY HERETO
 THE CIT GROUP/BUSINESS CREDIT, INC.  NATIONAL CITY BUSINESS CREDIT, INC.
 BANK OF AMERICA, N.A.  PNC BANK, NATIONAL ASSOCIATION
  SUNTRUST BANK,
 SUNTRUST CAPITAL MARKETS, INC.,




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##### 



TABLE OF CONTENTS
 PageARTICLE I
    
    
    8DEFINITIONS; CONSTRUCTION
    
    
    8Section 1.1
    
    Definitions
    
    
    8Section 1.2
    
    Classifications of Loans and Borrowings
    
    
    38Section 1.3
    
    Accounting Terms and Determination
    
    
    38Section 1.4
    
    Terms Generally
    
    
    38ARTICLE II
    
    
    39AMOUNT AND TERMS OF THE COMMITMENTS
    
    
    39Section 2.1
    
    General Description of Facilities
    
    
    39Section 2.2
    
    Revolving Loans
    
    
    39Section 2.3
    
    Procedure for Revolving Borrowings
    
    
    39Section 2.4
    
    Swingline Commitment
    
    
    40Section 2.5
    
    Agent Advances
    
    
    42Section 2.6
    
    [Reserved]
    
    
    43Section 2.7
    
    Funding of Borrowings
    
    
    43Section 2.8
    
    Interest Elections
    
    
    44Section 2.9
    
    Optional Reduction and Termination of Commitments
    
    
    45Section 2.10
    
    Repayment of Loans
    
    
    46Section 2.11
    
    Evidence of Indebtedness
    
    
    46Section 2.12
    
    Optional Prepayments
    
    
    46Section 2.13
    
    Mandatory Prepayments
    
    
    47Section 2.14
    
    Interest on Loans
    
    
    48Section 2.15
    
    Fees
    
    
    49Section 2.16
    
    Computation of Interest and Fees
    
    
    50Section 2.17
    
    Inability to Determine Interest Rates
    
    
    51Section 2.18
    
    Illegality
    
    
    51Section 2.19
    
    Increased Costs
    
    
    52Section 2.20
    
    Funding Indemnity
    
    
    53Section 2.21
    
    Taxes
    
    
    53Section 2.22
    
    Payments Generally; Pro Rata Treatment; Sharing of Set-offs
    
    
    55Section 2.23
    
    Letters of Credit
    
    
    57Section 2.24
    
    Application of Payments
    
    
    61Section 2.25
    
    Mitigation of Obligations
    
    
    62Section 2.26
    
    Replacement of Lenders
    
    
    63Section 2.27
    
    Agent Borrower
    
    
    63Section 2.28
    
    Nature and Extent of Each Borrowers Liability
    
    
    64ARTICLE III
    
    
    66




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PageCONDITIONS PRECEDENT TO LOANS AND LETTERS OF CREDIT
    
    
    66Section 3.1
    
    Conditions To Effectiveness
    
    
    66Section 3.2
    
    Each Credit Event
    
    
    67Section 3.3
    
    Delivery of Documents
    
    
    67ARTICLE IV
    
    
    68REPRESENTATIONS AND WARRANTIES
    
    
    68Section 4.1
    
    Existence; Power
    
    
    68Section 4.2
    
    Organizational Power; Authorization
    
    
    68Section 4.3
    
    Governmental Approvals; No Conflicts
    
    
    68Section 4.4
    
    [Reserved.]
    
    
    68Section 4.5
    
    Litigation and Environmental Matters
    
    
    68Section 4.6
    
    Compliance with Laws and Agreements
    
    
    69Section 4.7
    
    Investment Company Act, Etc.
    
    
    69Section 4.8
    
    Taxes
    
    
    69Section 4.9
    
    Margin Regulations
    
    
    69Section 4.10
    
    ERISA
    
    
    70Section 4.11
    
    Ownership of Property
    
    
    70Section 4.12
    
    Disclosure
    
    
    70Section 4.13
    
    Labor Relations
    
    
    71Section 4.14
    
    Subsidiaries
    
    
    71Section 4.15
    
    Insolvency
    
    
    71Section 4.16
    
    Subordination of Subordinated Debt
    
    
    71Section 4.17
    
    Accounts
    
    
    71Section 4.18
    
    OFAC
    
    
    72Section 4.19
    
    Patriot Act.
    
    
    72ARTICLE V
    
    
    73AFFIRMATIVE COVENANTS
    
    
    73Section 5.1
    
    Financial Statements and Other Information
    
    
    73Section 5.2
    
    Lien Perfection
    
    
    74Section 5.3
    
    Location of Collateral; Consignment of Inventory
    
    
    74Section 5.4
    
    Protection of Collateral
    
    
    75Section 5.5
    
    Assignments and Records of Accounts
    
    
    75Section 5.6
    
    Administration of Accounts
    
    
    75Section 5.7
    
    Administration of Inventory
    
    
    78Section 5.8
    
    Marketing Agreement; Etc.
    
    
    80Section 5.9
    
    Borrowing Base Certificates
    
    
    80Section 5.10
    
    Notices of Material Events
    
    
    80Section 5.11
    
    Existence; Conduct of Business
    
    
    81Section 5.12
    
    Compliance with Laws, Etc.
    
    
    81Section 5.13
    
    Payment of Obligations
    
    
    82Section 5.14
    
    Books and Records
    
    
    82Section 5.15
    
    Visitation, Inspection, Etc.
    
    
    82Section 5.16
    
    Maintenance of Properties; Insurance
    
    
    82
 - 3 -




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PageSection 5.17
    
    Use of Proceeds and Letters of Credit
    
    
    83Section 5.18
    
    [Reserved]
    
    
    83Section 5.19
    
    Subordinated Working Capital Facility
    
    
    83ARTICLE VI
    
    
    84FINANCIAL COVENANTS
    
    
    84Section 6.1
    
    Fixed Charge Coverage Ratio
    
    
    84Section 6.2
    
    Capital Expenditures
    
    
    84ARTICLE VII
    
    
    84NEGATIVE COVENANTS
    
    
    84Section 7.1
    
    Indebtedness and Preferred Equity
    
    
    84Section 7.2
    
    Negative Pledge
    
    
    85Section 7.3
    
    Fundamental Changes
    
    
    86Section 7.4
    
    Investments, Loans, Etc.
    
    
    87Section 7.5
    
    Restricted Payments
    
    
    87Section 7.6
    
    Sale of Assets
    
    
    88Section 7.7
    
    Transactions with Affiliates
    
    
    88Section 7.8
    
    Restrictive Agreements
    
    
    88Section 7.9
    
    Sale and Leaseback Transactions
    
    
    89Section 7.10
    
    Hedging Transactions
    
    
    89Section 7.11
    
    Amendment to Material Documents
    
    
    89Section 7.12
    
    Permitted Subordinated Indebtedness
    
    
    90Section 7.13
    
    Accounting Changes
    
    
    90Section 7.14
    
    Lease Obligations
    
    
    90ARTICLE VIII
    
    
    90EVENTS OF DEFAULT
    
    
    90Section 8.1
    
    Events of Default
    
    
    90ARTICLE IX
    
    
    93THE ADMINISTRATIVE AGENT AND THE COLLATERAL AGENT
    
    
    93Section 9.1
    
    Appointment of Agents
    
    
    93Section 9.2
    
    Nature of Duties
    
    
    94Section 9.3
    
    Lack of Reliance on the Agents
    
    
    94Section 9.4
    
    Certain Rights of the Agents
    
    
    94Section 9.5
    
    Reliance by Agents
    
    
    95Section 9.6
    
    The Agents in their Individual Capacity
    
    
    95Section 9.7
    
    Successor Agents
    
    
    95Section 9.8
    
    Authorization to Execute other Loan Documents
    
    
    96Section 9.9
    
    Documentation Agent; Syndication Agent
    
    
    96Section 9.10
    
    BSI Report; Reconciliation to Borrowing Base
    
    
    96ARTICLE X
    
    
    96
 - 4 -




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PageMISCELLANEOUS
    
    
    96Section 10.1
    
    Notices
    
    
    96Section 10.2
    
    Waiver; Amendments; Out-of-Formula Loans
    
    
    98Section 10.3
    
    Expenses; Indemnification
    
    
    100Section 10.4
    
    Successors and Assigns
    
    
    102Section 10.5
    
    Governing Law; Jurisdiction; Consent to Service of Process
    
    
    104Section 10.6
    
    WAIVER OF JURY TRIAL
    
    
    105Section 10.7
    
    Right of Setoff
    
    
    105Section 10.8
    
    Counterparts; Integration
    
    
    105Section 10.9
    
    Survival
    
    
    106Section 10.10
    
    Severability
    
    
    106Section 10.11
    
    Confidentiality
    
    
    106Section 10.12
    
    Interest Rate Limitation
    
    
    107Section 10.13
    
    Waiver of Effect of Corporate Seal
    
    
    107Section 10.14
    
    Posting of Electronic Communications; Viewing of Accounts
    
    
    107Section 10.15
    
    Transitional Provisions
    
    
    108
 - 5 -




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SchedulesSchedule I
    
    
    
    Applicable Margin and Applicable PercentageSchedule II
    
    
    
    Commitment AmountsSchedule III
    
    
    
    Eligible CarriersSchedule IV
    
    
    
    Continuing Borrowing Base ItemsSchedule 1.1(c)
    
    
    
    Other Permitted InvestmentsSchedule 4.5
    
    
    
    Environmental MattersSchedule 4.6
    
    
    
    Compliance with LawsSchedule 4.14
    
    
    
    SubsidiariesSchedule 5.3
    
    
    
    Collateral LocationsSchedule 5.6
    
    
    
    Deposit AccountsSchedule 7.1
    
    
    
    Outstanding IndebtednessSchedule 7.2
    
    
    
    Existing LiensSchedule 7.4
    
    
    
    Existing InvestmentsExhibitsExhibit A
    
    
    
    Form of Revolving Credit NoteExhibit B
    
    
    
    Form of Security AgreementExhibit C
    
    
    
    Form of Swingline NoteExhibit D
    
    
    
    Form of Pledge AgreementExhibit E
    
    
    
    Form of Assignment and AcceptanceExhibit F
    
    
    
    Form of Subsidiary/Delek Land Guaranty AgreementExhibit G
    
    
    
    Form of Parent Guaranty AgreementExhibit H
    
    
    
    Form of Borrowing Base CertificateExhibit 2.3
    
    
    
    Form of Notice of Revolving BorrowingExhibit 2.4
    
    
    
    Form of Notice of Swingline BorrowingExhibit 2.8
    
    
    
    Form of Continuation/ConversionExhibit 3.1(b)(v)
    
    
    
    Form of Secretarys CertificateExhibit 5.1(d)
    
    
    
    Form of Compliance Certificate
 - 6 -




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##### 



SECOND AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT
 THIS SECOND AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT Agreement Section 2.27 Delek Refining Delek
Pipeline Borrowers Borrower Lenders Administrative Agent Issuing Bank Swingline Lender Collateral Agent Article I
 W I T N E S S E T H:
     - 7 -




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ARTICLE I
 DEFINITIONS; CONSTRUCTION
 Section 1.1 Definitions.
 Account Debtor
 Accounts
 Accounts Formula Amount plus
 Acquisition
 Acquisition Documents
 Additional Subordinated Indebtedness Section 5.1
 Adjusted LIBO Rate minus
 Administrative Questionnaire
 - 8 -




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##### 



Affiliate y
 Agent Advances Section 2.5
 Agent Banks
 Agents Agent
 Aggregate Revolving Commitment Amount
 Aggregate Revolving Commitments
 Applicable Lending Office
 Applicable Margin Schedule I provided Section 5.9 provided further Schedule I
 Applicable Percentage Schedule I provided
 - 9 -




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##### 



Section 5.9 provided further Schedule I
 Approved Electronic Communications provided,
however, Sections 2.9, 2.12 or
2.13
 Approved Fund
 Asset Purchase Agreement
 Assignment and Acceptance Section
10.4(b) Exhibit E
 Availability plus plus plus minus minus
 - 10 -




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##### 



Availability Block
 Availability Period 
 Availability Reserve provided
 Availability Support Trigger Date
 Average Availability
 Bailees Letter
 - 11 -




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##### 



Bank Products
 Banking Relationship Debt
 Bankruptcy Code et seq
 Base Rate plus
 Borrower Agent Section 2.27
 Borrowing
 Borrowing Base minus plus plus plus minus
 Borrowing Base Certificate Exhibit H Section 5.9
 Business Day
 - 12 -




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##### 



Capital Expenditures
 Capital Lease Obligations
 Capital Stock
 Cash Collateral
 Cash Collateral Account
 Cash Management Agreements
 Change in Control
 - 13 -




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##### 



%
 Change in Law Section 2.19(b
 Chattel Paper
 Class
 Closing Date
 Code
 Collateral
 Commitment
 Compliance Certificate Exhibit 5.1(d)
 Conditions to Dividends
 - 14 -




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##### 



Consolidated EBITDA plus
 Consolidated Fixed Charges
 Consolidated Interest Expense plus minus
 Consolidated Lease Expense
 Consolidated Net Income
 - 15 -




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##### 



Consolidated Total Debt
 Contractual Obligation
 Default
 Default Interest Section 2.14(c
 Delek Finance
 Delek Marketing
 Delek Land
 Delek Land Negative Pledge
 Delek US Holdings
 Deposit Account Control Agreement
 Document
 Documentary Letter of Credit
 Dollar(s)
 Dominion Account
 - 16 -




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##### 



Eligibility Reserves
 Eligible Account , Section 4.17
 - 17 -




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##### 



Eligible Assignee Section 10.4
 Eligible Carrier Schedule III
 Eligible Cash Collateral Section 5.6(g) provided
 - 18 -




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##### 



Eligible Petroleum Inventory
      Eligible Petroleum Inventory-Not-Received
 - 19 -




---



##### 



provided however , less
 Eligible Positive Exchange Agreement Balance
 Environmental Laws
 Environmental Liability
 ERISA
 ERISA Affiliate
 - 20 -




---



##### 



ERISA Event
 Eurodollar
 Eurodollar Reserve Percentage th
 Event of Default Article VIII
 Excess Availability Conditions
 Exchange Agreement
  Excluded Taxes 
 - 21 -




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Section 2.21(f) Section 2.21(e)
 Existing Lenders
 Federal Funds Rate th
 Fee Letter
 Fiscal Quarter
 Fiscal Year
 Fixed Charge Coverage Ratio less less
 Foreign Lender
 Foreign Subsidiary
 - 22 -




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##### 



GAAP Section 1.3
 Governmental Authority
 GP
 Guarantee guarantor primary
obligor provided
 Hazardous Materials
 Hedging Obligations
 Hedging Transaction
 - 23 -




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Holdings
 Indebtedness provided Section 8.1 g
 Indemnified Taxes
 Instrument
 Intercreditor Agreement
 Interest Period  provided,
   - 24 -




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##### 



Inventory
 Inventory Formula Amount plus plus provided
 Issuing Bank Section 2.23
 Land Newco
 Landlord Waiver
 LC Backed Accounts provided provided further
 - 25 -




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##### 



LC Commitment
 LC Disbursement
 LC Documents
 LC Exposure plus
 Lenders Section 10.4
 Letter of Credit Section 2.23
 LIBOR provided th
 Lien
 - 26 -




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##### 



Loan Documents
 Loan Parties
 Loans
 Management Agreement
 Mapco
 Mapco Reserve provided however
 Mapco Reserve Conditions
 Marketing Agreement
 Marketing Agreement Assignment
 Material Adverse Effect
 - 27 -




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##### 



Material Indebtedness
 Moodys
 Multiemployer Plan
 Negative Exchange Agreement Balance
 Net Mark-to-Market Exposure
 Notes
 Notices of Borrowing
 Notice of Conversion/Continuation Section 2.8(b
 Notice of Revolving Borrowing Section
2.3
 Notice of Swingline Borrowing Section
2.4
 Obligations - 28 -
        Off-Balance Sheet Liabilities
 Ordinary Course of Business
 Original Closing Date
 OSHA
 Other Issuer BBB+ Baa
 Other Taxes
 Out-of-Formula Condition Section 2.2(b)
 Out-of-Formula Loan
 Paid but Unexpired Standby Letters of Credit
 - 29 -




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##### 



Parent
 Parent Guaranty Agreement Exhibit G
 Participant Section 10.4(d
 Payment Account
 Payment Items
 Payment Office
 PBGC
 Permitted Cash Collateral Account
 Permitted Investments Schedule 1.1(c) - 30 -
        Permitted Liens
      Section 7.1(c)
  Schedule 7.2
 Section 7.1(c)
  Section 7.10
 - 31 -




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##### 



Permitted Subordinated Debt
 Permitted Tax Distributions
 Person
 Petroleum Inventory
 Petroleum Inventory Market Price
 Petroleum Product
 - 32 -




---



##### 



Pipeline Newco
 Plan
 Pledge Agreement Exhibit D
 Post Supplier Payment Period
 Preferred Issuer A- A3
 Projections Section 5.1(f)
 Pro Rata Share
 Qualified Marketing Documents
 Regulation D
 - 33 -




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##### 



Reinstatement Conditions provided
 Related Parties
 Release
 Required Lenders
 Requirement of Law
 Responsible Officer
 Restricted Payment Section 7.5
 Revolving Commitment Schedule II - 34 -
       Section
2.24
 Revolving Commitment Termination Date Section 2.9(c)
 Revolving Credit Exposure
 Revolving Credit Note Exhibit A
 Revolving Loan
 S&P
 SEC
 Security Agreement Exhibit B
 Security Documents
 Seller
 Services Agreement
 Settlement Date provided - 35 -
        Solvent
 Standby Letter of Credit
 Subordinated Debt Documents
 Subordinated Note
 Subordinated Working Capital Credit Documents
 Subordinated Working Capital Indebtedness
 Subordination Agreement
 Subsidiary parent
 Subsidiary/Delek Land Guaranty Agreement Exhibit F - 36 -
        Subsidiary Loan Party
 SunTrust
 Swingline Commitment
 Swingline Exposure Section 2.4
 Swingline Lender
 Swingline Loan
 Swingline Note Exhibit C
 Swingline Rate
 Synthetic Lease
 Synthetic Lease Obligations
 Taxes
 Type
 - 37 -




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##### 



Withdrawal Liability
 Section 1.2 Classifications of Loans and Borrowings.
 Section 1.3 Accounting Terms and Determination. Section 5.1(a) Article VI Article VI
 Section 1.4 Terms Generally.
 - 38 -




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##### 



ARTICLE II
 AMOUNT AND TERMS OF THE COMMITMENTS
 Section 2.1 General Description of Facilities. Section
2.2 Section
2.23 Section
2.4
 Section 2.2 Revolving Loans .
 provided
  Section 2.3 Procedure for Revolving Borrowings .
 - 39 -




---



##### 



Exhibit 2.3 Notice of Revolving Borrowing provided Section 2.4 Section 2.23(d
 Section
3.2(b)
 Section 2.4 Swingline Commitment.
 provided
 - 40 -




---



##### 



Exhibit 2.4 Notice of Swingline Borrowing
 Section 2.7
  Section 2.4(c Section 2.4(d - 41 -
       Section 2.4
 Section 2.5 Agent Advances.
 Section 3.2 Section 2.3 Section 2.5 Agent Advances provided however Section 2.5 Section 3.2(b) Section 2.5 Section 2.24
  - 42 -




---



##### 



Section 2.5(b Section 2.5(c Section 2.5
 Section 2.6 [Reserved] .
 Section 2.7 Funding of Borrowings .
 provided Section 2.4
 - 43 -




---



##### 



Section 2.20
  Section 2.8 Interest Elections .
 Section 2.8
 Section 2.8 - 44 -
       Exhibit 2.8 Notice of
Conversion/Continuation Section 2.3
   Section 2.9 Optional Reduction and Termination of Commitments .
  provided Section 2.9
 - 45 -




---



##### 



Section 2.10 Repayment of Loans .
   Section 2.11 Evidence of Indebtedness
 Section
2.8 Section 2.8 prima facie
  Section 2.12 Optional Prepayments .
 - 46 -




---



##### 



Section 2.14(e provided Section 2.20 Section 2.2 Section 2.4
 Section 2.13 Mandatory Prepayments .
 ,
 Section 7.1 Section 2.13(c)
 Sections 2.13(a) (b) first - 47 -
       second third fourth fifth sixth Section 2.23(g) seventh
 Section 2.9 Section 2.20 Section 2.23(g)
 Section 2.14 Interest on Loans .
 plus
  Default Interest plus plus
 - 48 -




---



##### 



Section 2.15 Fees.
  Schedule I
  - 49 -




---



##### 



Section 2.14(c)
  provided further
 provided however
 Section 2.16 Computation of Interest and Fees.
  - 50 -




---



##### 



Section 2.17 Inability to Determine Interest Rates.
    Section 2.18 Illegality. Section 2.20
 - 51 -




---



##### 



Section 2.19 Increased Costs.
      Section
2.19
 - 52 -




---



##### 



Section 2.19
 Section 2.20 Funding Indemnity . Section 2.20
 Section 2.21 Taxes .
 provided Section 2.21
  - 53 -




---



##### 



Section 2.21 Section 2.21(c)
  or
 - 54 -




---



##### 



Section 2.21(a) Section 2.21(c) Section 2.21(a) Section 2.21(c)
 Section 2.22 Payments Generally; Pro Rata Treatment; Sharing of Set-offs.
 Sections 2.19 2.20 2.21 Sections 2.19 2.20 2.21 10.3
 - 55 -




---



##### 



provided
  - 56 -




---



##### 



Section 2.4(d 2.7(b 2.22(d 2.23(d e 10.3(d
 Section 2.23 Letters of Credit .
 Section 2.23(d provided
 Article III
 - 57 -




---



##### 



provided
 Section 2.23(a Article III
 provided provided Section 3.2 Section 2.3 Section 2.7 .
  - 58 -




---



##### 



provided
 provided Section 2.14(d)
 provided Section 8.1
 - 59 -




---



##### 



Section 2.23
   - 60 -




---



##### 



provided
 Section 10.5
 Section 2.24 Application of Payments.
 Section 2.24(b) first second third
  - 61 -




---



##### 



first
 second
 third
 fourth
 fifth
 sixth Section 2.23(g) provided, however, Section 2.24(b)
 seventh
 eighth
 provided however clauses (i), (ii) (iii) (iv) (v) (vi),
(vii) (viii) provided however first pro rata then
 Section 2.25 Mitigation of Obligations. Section 2.19 Section 2.21
 - 62 -




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##### 



Section 2.19 Section 2.21
 Section 2.26 Replacement of Lenders. Section
2.19 Section 2.21 Section 10.4(b) Section 2.19 Section
2.21
 Section 2.27 Agent Borrower. , Section 2.27
 - 63 -




---



##### 



Section 2.28 Nature and Extent of Each Borrowers Liability .
   - 64 -




---



##### 



less provided however provided however
  - 65 -




---



##### 



ARTICLE III
 CONDITIONS PRECEDENT TO LOANS AND LETTERS OF CREDIT
 Section 3.1 Conditions To Effectiveness. Section 10.2
       Exhibit 3.1(b)(v)
  - 66 -




---



##### 



Section 3.2 Each Credit Event.
     Section 3.2
 Section 3.3 Delivery of Documents. Article III
 - 67 -




---



##### 



ARTICLE IV
 REPRESENTATIONS AND WARRANTIES
  Section 4.1 Existence; Power.
 Section 4.2 Organizational Power; Authorization.
 Section 4.3 Governmental Approvals; No Conflicts.
 Section 4.4 [ Reserved .]
 Section 4.5 Litigation and Environmental Matters.
 - 68 -




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##### 



Schedule 4.5
 Schedule 4.5
 Section 4.6 Compliance with Laws and Agreements. Schedule 4.6 Section
4.5(b)
 Section 4.7 Investment Company Act, Etc.
 Section 4.8 Taxes.
 Section 4.9 Margin Regulations.
 - 69 -




---



##### 



Section 4.10 ERISA.
 Section 4.11 Ownership of Property.
    Section 4.12 Disclosure.
 - 70 -




---



##### 



Section 4.13 Labor Relations.
 Section 4.14 Subsidiaries. Schedule 4.14
 Section 4.15 Insolvency.
 Section 4.16 Subordination of Subordinated Debt.
  Section 4.17 Accounts
  - 71 -




---



##### 



bona fide
   Section 5.6(a)
   Section 4.18 OFAC.
 Section 4.19 Patriot Act.
 - 72 -




---



##### 



ARTICLE V
 AFFIRMATIVE COVENANTS
  Section 5.1 Financial Statements and Other Information.
 provided however
  - 73 -




---



##### 



Section 5.2 Lien Perfection.
 Section 5.3 Location of Collateral; Consignment of Inventory. Schedule 5.3 Section 7.6 Section 5.3
 - 74 -




---



##### 



Section 5.4 Protection of Collateral. Section 3.2(a)
 Section 5.5 Assignments and Records of Accounts.
 Section 5.6 Administration of Accounts.
 Records and Schedules of Accounts
 - 75 -




---



##### 



Discounts, Disputes and Returns
 Taxes
 - 76 -




---



##### 



Account Verifications provided provided further
 Maintenance of Dominion Account
 Collection of Accounts and Proceeds of Collateral
 - 77 -




---



##### 



Application of Proceeds; Cash Collateral Account provided , however Section 2.20 . Section 2.24(b)
 Notification of Account Debtors
 Limitations on Bank Accounts Schedule 5.6
 Section 5.7 Administration of Inventory.
 - 78 -




---



##### 



Records and Reports of Inventory Schedule IV
 Returns of Inventory
 Acquisitions and Sale of Inventory
 Maintenance of Inventory
 - 79 -




---



##### 



Section 5.8 Marketing Agreement; Etc. Section 5
 Section 5.9 Borrowing Base Certificates. th Schedule IV
 Section 5.10 Notices of Material Events.
    - 80 -




---



##### 



Section 5.10
 Section 5.11 Existence; Conduct of Business. Section 5.11 Section 7.3
 Section 5.12 Compliance with Laws, Etc.
 - 81 -




---



##### 



Section 5.13 Payment of Obligations.
 Section 5.14 Books and Records.
 Section 5.15 Visitation, Inspection, Etc. provided , however provided further however Section 2.15(f)
 Section 5.16 Maintenance of Properties; Insurance.
 - 82 -




---



##### 



Section 5.17 Use of Proceeds and Letters of Credit. ,
 Section 5.18 [Reserved]
 Section 5.19 Subordinated Working Capital Facility .
 - 83 -




---



##### 



Section 5.19 Section
5.19
 ARTICLE VI
 FINANCIAL COVENANTS
  Section 6.1 Fixed Charge Coverage Ratio.
 Section 6.2 Capital Expenditures. provided
 ARTICLE VII
 NEGATIVE COVENANTS
  Section 7.1 Indebtedness and Preferred Equity.
  Schedule 7.1
 - 84 -




---



##### 



Section 6.2
 provided Section 7.4
 provided Section 7.4
  Section 7.10
   Section 7.2 Negative Pledge.
   Schedule 7.2 provided
  - 85 -




---



##### 



provided Section
7.1(c
 provided
 Section 7.2 provided
 Section 7.3 Fundamental Changes.
 provided , provided provided Section 7.4
 - 86 -
       Section 7.4 Investments, Loans, Etc.
 Schedule 7.4
  Section 7.1
 provided
 provided, however
 Section 7.10
  Section 7.5 Restricted Payments. Restricted Payment
 - 87 -




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##### 



Section 7.6 Sale of Assets.
   .
 Section 7.7 Transactions with Affiliates. provided that Section 7.5 Section 7.5
 Section 7.8 Restrictive Agreements.
 - 88 -




---



##### 



provided
 Section 7.9 Sale and Leaseback Transactions.
 Section 7.10 Hedging Transactions. provided
 Section 7.11 Amendment to Material Documents.
 - 89 -




---



##### 



Section 7.12 Permitted Subordinated Indebtedness.
   Section 7.13 Accounting Changes.
 Section 7.14 Lease Obligations.
 ARTICLE VIII
 EVENTS OF DEFAULT
 Section 8.1 Events of Default.
 - 90 -
       Section 8.1
  Sections 5.1 5.2 5.11 Articles VI VII Section 5.9
   - 91 -
        Section 8.1
       - 92 -
       Section 8.1
 ARTICLE IX
 THE ADMINISTRATIVE AGENT AND THE COLLATERAL AGENT
 Section 9.1 Appointment of Agents.
  - 93 -
       Section 9.2 Nature of Duties. Section 10.2 Section 10.2 Article III
 Section 9.3 Lack of Reliance on the Agents.
 Section 9.4 Certain Rights of the Agents.
 - 94 -




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##### 



Section 9.5 Reliance by Agents.
 Section 9.6 The Agents in their Individual Capacity.
 Section 9.7 Successor Agents.
  Section 9.7 th - 95 -
        Section 9.8 Authorization to Execute other Loan Documents.
 Section 9.9 Documentation Agent; Syndication Agent.
 Section 9.10 BSI Report; Reconciliation to Borrowing Base.
 ARTICLE X
 MISCELLANEOUS
 Section 10.1 Notices.
  To the Borrowers:DELEK REFINING, LTD.830 Crescent Centre, Suite 300Franklin, Tennessee 37067Attn: Mr. Ed Morgan, CFO and TreasurerTelecopy No.: (615) 224-1185and
 - 96 -




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##### 



Fulbright & Jaworski LLP666 Fifth AvenueNew York, New York 10103Attn: Mara RogersTelecopy No.: (212) 318-3400To the Administrative Agent, 
Collareral Agent
or Swingline Lender:
    
    SunTrust Bank303 Peachtree Street, N. E.Atlanta, Georgia 30308Attention: Mr. Patrick BickersTelecopy Number: (404) 588-7189With a copy to:
    
    SunTrust BankAgency Services303 Peachtree Street, N. E./ 25th FloorAtlanta, Georgia 30308Attention: Ms. Doris FolsumTelecopy Number: (404) 658-4906andParker Hudson Rainer & Dobbs LLP285 Peachtree Center AvenueMarquis Two Tower, Suite 1500Atlanta, Georgia 30303Attention: Robert A. CrosbyTelecopy Number: (404) 522-8409To the Issuing Bank:
    
    SunTrust Bank25 Park Place, N. E./Mail Code 3706Atlanta, Georgia 30303Attention: John ConleyTelecopy Number: (404) 588-8129To the Swingline Lender:
    
    SunTrust BankAgency Services303 Peachtree Street, N.E./25th FloorAtlanta, Georgia 30308Attention: Ms. Doris FolsumTelecopy Number: (404) 658-4906To any other Lender:
    
    the address set forth in the AdministrativeQuestionnaire or the Assignment and AcceptanceAgreement executed by such Lender
 - 97 -




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##### 



Section 10.1
  Section 10.2 Waiver; Amendments; Out-of-Formula Loans.
 , Section 10.2
 - 98 -
       provided Section 2.22(b) (c) Section 10.2 Section 2.24 Section 5.19 provided further Sections
2.19 2.20 2.21 10.3
 Section 2.1 - 99 -
       provided Section 10.2(c) Section 10.2(c)
 Section 10.4(b)
 Section 10.3 Expenses; Indemnification.
 , Section 10.3
 Indemnitee
 - 100 -




---



##### 



provided
  provided
  - 101 -




---



##### 



Section 10.3
 Section 10.4 Successors and Assigns.
  provided Section
10.4 Section 2.21(e) Section 2.21(f)
 - 102 -




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##### 



Sections 2.19 2.20 2.21 10.3 Section
10.4 Section 2.19 2.20 2.21
 Register
 Participant provided provided Section 2.22(b) (c) Section
10.4
 - 103 -




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##### 



Section 10.4 Sections 2.19 2.20 2.21 Section 10.4 Section
10.7 Section
10.7
 Section
2.19 Section 2.21 Section 2.21 Section 2.21(e) Section 2.21(f)
 provided
 Section 10.5 Governing Law; Jurisdiction; Consent to Service of Process.
 .
  - 104 -




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##### 



Section 10.5 Section 10.5
 Section 10.1
 Section 10.6 WAIVER OF JURY TRIAL. EACH PARTY HERETO IRREVOCABLY WAIVES, TO THE FULLEST
EXTENT PERMITTED BY APPLICABLE LAW, ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN ANY LEGAL
PROCEEDING DIRECTLY OR INDIRECTLY ARISING OUT OF THIS AGREEMENT OR ANY OTHER LOAN DOCUMENT OR THE
TRANSACTIONS CONTEMPLATED HEREBY OR THEREBY (WHETHER BASED ON CONTRACT, TORT OR ANY OTHER THEORY).
EACH PARTY HERETO (A) CERTIFIES THAT NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS
REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF LITIGATION,
SEEK TO ENFORCE THE FOREGOING WAIVER, AND (B) ACKNOWLEDGES THAT IT AND THE OTHER PARTIES HERETO
HAVE BEEN INDUCED TO ENTER INTO THIS AGREEMENT AND THE OTHER LOAN DOCUMENTS BY, AMONG OTHER THINGS,
THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS SECTION.
 Section 10.7 Right of Setoff.
 Section 10.8 Counterparts; Integration.
 - 105 -




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##### 



Section 10.9 Survival. Sections 2.19 2.20 2.21 10.3 Article IX
 Section 10.10 Severability.
 Section 10.11 Confidentiality. Section 10.11 Section 10.11 Section 10.11 Section
 - 106 -




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##### 



10.11
 Section 10.12 Interest Rate Limitation. Section 10.12
 Section 10.13 Waiver of Effect of Corporate Seal.
 Section 10.14 Posting of Electronic Communications; Viewing of Accounts .
   - 107 -




---



##### 



Section 10.15 Transitional Provisions.
 Section 10.15
 - 108 -




---



##### 



inter alia
  Schedule II
   - 109 -




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##### 



(remainder of page left intentionally blank)
 - 110 -




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##### 



IN WITNESS WHEREOF
 DELEK REFINING, LTD.By: DELEK US REFINING GP, LLCTitle: General PartnerByName:Title:ByName:Title:DELEK PIPELINE TEXAS, INC.ByName:Title:ByName:Title:SUNTRUST BANK,as Administrative Agent, as Collateral Agent, as
Issuing Bank, as Swingline Lender and as a LenderByName:Title:




---



##### 



THE CIT GROUP/BUSINESS CREDIT, INC.,as a LenderByName:Title:




---



##### 



NATIONAL CITY BUSINESS CREDIT, INC.,as a LenderByName:Title:




---



##### 



BANK OF AMERICA, N.A.,as a LenderByName:Title:




---



##### 



PNC BANK NATIONAL ASSOCIATION, as a LenderByName:Title:




---



##### 



WACHOVIA BANK,
NATIONAL  ASSOCIATION, as a LenderByName:Title:




---



##### 



GENERAL ELECTRIC CAPITAL CORPORATION, as a LenderByName:Title:




---



##### 



REGIONS BANK, as a LenderByName:Title:




---



##### 



TEXTRON FINANCIAL CORPORATION, as a LenderByName:Title:




---



##### 



SIEMENS FINANCIAL SERVICES, INC., as a LenderByName:Title:




---



##### 



FIFTH THIRD BANK, as a LenderByName:Title:




---



##### 



ISRAEL DISCOUNT BANK OF NEW YORK, as a LenderByName:Title:




---



##### 



WELLS FARGO FOOTHILL, LLC, as a LenderByName:Title:




---



##### 



WEBSTER BUSINESS CREDIT CORP., as a LenderByName:Title:




---



##### 



BANK LEUMI USA, as a LenderByName:Title:




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##### 



Schedule I
 APPLICABLE MARGIN AND APPLICABLE PERCENTAGE
 Applicable
    
    Applicable
    
    Applicable
    
    ApplicableMargin for
    
    Margin for
    
    Commitment
    
    Letter ofPricing
    
    Average
    
    Eurodollar
    
    Base Rage
    
    Fee
    
    Credit FeeLevel
    
    Availability
    
    Loans
    
    Loans
    
    Percentage
    
    PercentageI
    
    Greater than $25MM
    
    
    1.75% p.a.
    
    
    
    .25% p.a.
    
    
    
    .25% p.a.
    
    
    
    1.75% p.a.II
    
    Less than or equal to $25MM but greater than $15MM
    
    
    2.00% p.a.
    
    
    
    .50% p.a.
    
    
    
    .25% p.a.
    
    
    
    2.00% p.a.III
    
    Less than or equal to $15MM but greater than $5MM
    
    
    2.25% p.a.
    
    
    
    .75% p.a.
    
    
    
    .25% p.a.
    
    
    
    2.25% p.a.IV
    
    Less than or equal to $5MM
    
    
    2.50% p.a.
    
    
    
    1.00% p.a.
    
    
    
    .375% p.a.
    
    
    
    2.50% p.a.
 Schedule I Section
5.9




---



##### 



Schedule II
 COMMITMENT AMOUNTS
 RevolvingLender
    
    Commitment Amount
    
    TitleSunTrust Bank
    
    $26,600,000
    
    Lead Arranger / Administrative AgentBank of America, N.A.
    
    $24,000,000
    
    Co-Syndication AgentPNC Bank, National Association
    
    $24,000,000
    
    Co-Syndication AgentNational City Business Credit, Inc.
    
    $24,000,000
    
    Co-Documentation AgentThe CIT Group/Business Credit, Inc.
    
    $24,000,000
    
    Co-Documentation AgentWachovia Bank, National Association
    
    $24,000,000General Electric Capital Corporation
    
    $24,000,000Regions Bank
    
    $24,000,000Textron Financial Corporation
    
    $18,000,000Fifth Third Bank
    
    $18,000,000Siemens Financial Services, Inc.
    
    $16,800,000Israel Discount Bank of New York
    
    $15,600,000Wells Fargo Foothill, LLC
    
    $13,000,000Webster Business Credit Corp.
    
    $12,000,000
    
    `Bank Leumi USA
    
    $12,000,000Total:
    
    $300,000,000.00




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##### 



IN WITNESS WHEREOF
 DELEK REFINING, LTD.By: DELEK US REFINING GP, LLCTitle: General PartnerBy
    
    
    
    /s/ John P. Colling, Jr.Name:
    
    John P. Colling, Jr.Title:
    
    TreasurerBy
    
    
    
    /s/ Edward MorganName:
    
    Edward MorganTitle:
    
    V.P.DELEK PIPELINE TEXAS, INC.By
    
    
    
    /s/ John P. Colling, Jr.Name:
    
    John P. Colling, Jr.Title:
    
    TreasurerBy
    
    
    
    /s/ Edward MorganName:
    
    Edward MorganTitle:
    
    V.P.SUNTRUST BANK,as Administrative Agent, as Collateral Agent, asIssuing Bank, as Swingline Lender and as a LenderBy
    
    
    
    /s/ Pattrick WigginsName:
    
    Pattrick WigginsTitle:
    
    Vice President




---



##### 



THE CIT GROUP/BUSINESS CREDIT, INC.,as a LenderBy
    
    
    
    /s/ Michael SongName:
    
    Michael SongTitle:
    
    Vice President




---



##### 



NATIONAL CITY BUSINESS CREDIT, INC.,as a LenderBy
    
    
    
    /s/ Jason HanesName:
    
    Jason HanesTitle:
    
    Vice President




---



##### 



BANK OF AMERICA, N.A., as a LenderBy
    
    
    
    /s/ John OlsenName:
    
    John OlsenTitle:
    
    Vice President




---



##### 



PNC BANK NATIONAL ASSOCIATION, as aLenderBy
    
    
    
    /s/ Albert E. Partridge, IIIName:
    
    Albert E. Partridge, IIITitle:
    
    Vice President




---



##### 



WACHOVIA BANK, NATIONALASSOCIATION, as a LenderBy
    
    
    
    /s/ Paul TruaxName:
    
    Paul TruaxTitle:
    
    Vice President




---



##### 



GENERAL ELECTRIC CAPITALCORPORATION, as a LenderBy
    
    
    
    /s/ Amanda J. van HeystName:
    
    Amanda J. van HeystTitle:
    
    Duly authorized signatory




---



##### 



REGIONS BANK, as a LenderBy
    
    
    
    /s/ James R. GummelName:
    
    James R. GummelTitle:
    
    Vice President




---



##### 



TEXTRON FINANCIAL CORPORATION, as aLenderBy
    
    
    
    /s/ Eric R. HubbardName:
    
    Eric R. HubbardTitle:
    
    Duly authorized signatory




---



##### 



SIEMENS FINANCIAL SERVICES, INC., as aLenderBy
    
    
    
    /s/ Mark PicilloName:
    
    Mark PicilloTitle:
    
    Vice President




---



##### 



FIFTH THIRD BANK, as a LenderBy
    
    
    
    /s/ David R. CochranName:
    
    David R. CochranTitle:
    
    Vice President




---



##### 



ISRAEL DISCOUNT BANK OF NEW YORK,as a LenderBy
    
    
    
    /s/ Amir BarashName:
    
    Amir BarashTitle:
    
    FVPBy
    
    
    
    /s/ Kevin LordName:
    
    Kevin LordTitle:
    
    FVP




---



##### 



WELLS FARGO FOOTHILL, LLC, as aLenderBy
    
    
    
    /s/ Juan BarreraName:
    
    Juan BarreraTitle:
    
    Vice President
 Second Amended and Restated
Credit Agreement




---



##### 



WEBSTER BUSINESS CREDIT CORP., as aLenderBy
    
    
    
    /s/ Alan F. McKayName:
    
    Alan F. McKayTitle:
    
    Vice President




---



##### 



BANK LEUMI USA, as a LenderBy
    
    
    
    /s/ Michaela Klein and Gill HershmanName:
    
    Michaela Klein and Gill HershmanTitle:
    
    Sr. V.P. and Vice President