EXECUTION COPYSECOND AMENDMENT          SECOND AMENDMENT, dated as of October 17, 2007 (this “Amendment”), to the CreditAgreement, dated as of March 30, 2007 (as heretofore amended, supplemented or otherwise modified,the “Credit Agreement”), among DELEK US HOLDINGS, INC., a Delaware corporation (the“Borrower”), the several banks and other financial institutions or entities from time totime parties thereto (the “Lenders”), LEHMAN COMMERCIAL PAPER INC., as administrative agent(the “Administrative Agent”), LEHMAN BROTHERS INC., as arranger and joint bookrunner, andJPMorgan Chase Bank, N.A. as documentation agent.**W I T N E S S E T H:**          WHEREAS, pursuant to the Credit Agreement, the Lenders have made an interim loan creditfacility available to the Borrower on the terms set forth in the Credit Agreement;          WHEREAS, the Borrower has requested that the Lenders agree to amend certain provisions of theCredit Agreement; and          WHEREAS, the Lenders have agreed to amend the Credit Agreement solely on the terms andconditions set forth herein;          NOW, THEREFORE, in consideration of the premises and for other good and valuableconsideration, the receipt of which is hereby acknowledged, the parties hereto agree as follows:          Section 1. *Defined Terms*. Unless otherwise defined herein, capitalized terms which aredefined in the Credit Agreement are used herein as defined therein.          Section 2. *Amendment to Section 6.6*. Section 6.6 of the Credit Agreement is hereby amended bydeleting clause (ii) in its entirety and replacing it with the following:          “(ii) two special dividends in an aggregate amount not to exceed $21,000,000 in 2007.”          Section 3. *Effectiveness.*This Amendment shall become effective on the date hereof once theAdministrative Agent shall have received the Required Lenders’ consent.          Section 4. *Continuing Effect*. Except as expressly set forth in this Amendment, all of theterms and provisions of the Credit Agreement and the other Loan Documents are ratified andconfirmed, and are and shall remain in full force and effect, and the Borrower shall continue to bebound by all of such terms and provisions. The amendment provided for herein is limited asspecified herein and shall not constitute an amendment or waiver of any provision of the CreditAgreement or the other Loan Documents not expressly referred to herein and shall not be construedas an amendment, waiver or consent to any action on the part of the Borrower that would require anamendment, waiver or consent of the Administrative Agent or the Lenders except as expressly statedherein. Any reference to the
 

 
2“Credit Agreement” in the Loan Documents or any related documents shall be deemed to be areference to the Credit Agreement as amended by this Amendment.          Section 5. *Expenses*. The Borrower agrees to pay and reimburse the Administrative Agent forall its reasonable out-of-pocket costs and expenses incurred in connection with the preparation anddelivery of this Amendment, including, without limitation, the reasonable fees and disbursements ofcounsel to the Administrative Agent.          Section 6. *Governing Law*. This Amendment shall in all respects be governed by and construedin accordance with the laws of the State of New York.          Section 7. *Counterparts*. This Amendment may be signed in any number of counterparts(including by telecopy), each of which shall constitute an original, but all of which when takentogether shall constitute one instrument.
 

 
          IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly executed by therespective officers thereunto duly authorized as of the year and date first above written.         DELEK US HOLDINGS, INC.         By: /s/ John P. Colling, Jr.           Name: John P. Colling, Jr.    Title: VP & Treasurer           By: /s/ Edward Morgan           Name: Edward Morgan    Title: CFO  Delek USHoldings, Inc. Second Amendment
 

 
         LEHMAN COMMERCIAL PAPER INC., as  Administrative Agent and Lender         By: /s/ Ritam Bhalla       Name: Ritam Bhalla      Title: Authorized Signatory  Delek USHoldings, Inc. Second Amendment
 

 
         JPMORGAN CHASE BANK, N.A., as Lender         By: /s/ Timothy B. Fouts       Name: Timothy B. Fouts      Title: Senior Vice President  Delek USHoldings, Inc. Second Amendment