Document:

EXHIBIT 4.2

                              ARTICLES OF AMENDMENT

1.   The name of the corporation is: Thinkpath, Inc.

2.   Date of incorporation/amalgamtion: 1994 02 11

3.   The articles of the corporation are amended as follows:

              To effect a reverse split of the Corporation's issued and unissued
              common shares on the basis of one (1) post reverse-split common
              share of the Corporation issued in exchange for every five
              thousand (5,000) pre-reverse split common shares

4.   The amendment has been duly authorized as required by sections 168 and 170
     (as applicable) of the Business Corporations Act.

5.   The resolution authorizing the amendment was approved by the
     shareholders/directors (as applicable) of the corporation on 2005 04 22.

                                         THINKPATH, INC.

                                         By: \S\ DECLAN A. FRENCH , PRESIDENT
                                             ---------------------------------
                                                  Declan A. French<PAGE>

                           [FORM OF AFFILIATE LETTER]

                                                                   June 29, 2005

MAF Bancorp, Inc.
55th Street & Holmes Avenue
Clarendon Hills, Illinois  60514

Ladies and Gentlemen:

         I have been advised that as of the date of this letter I may be deemed
to be an "affiliate" of EFC Bancorp, Inc., a Delaware corporation (the
"Company"), as the term "affiliate" is defined for purposes of paragraphs (c)
and (d) of Rule 145 of the rules and regulations ("Rules and Regulations") of
the Securities and Exchange Commission ("Commission") under the Securities Act
of 1933, as amended ("Act"). Pursuant to the terms of the Agreement and Plan of
Reorganization dated as of June 29, 2005 ("Merger Agreement"), by and between
MAF Bancorp, Inc., a Delaware corporation ("Purchaser"), and the Company,
pursuant to which the Company shall be merged with and into Purchaser (the
"Merger") and the stockholders of the Company shall be entitled to receive cash
and shares of common stock, par value $0.01 per share, of Purchaser ("Purchaser
Common Stock") in exchange for shares of common stock, par value $0.01 per
share, of the Company ("Company Common Stock").

         As a result of the Merger, I may be entitled to receive shares of
Purchaser Common Stock in exchange for shares owned by me of the Company Common
Stock (or upon exercise of options to purchase shares or upon the exercise by me
of rights under certain option plans of the Company that become exercisable upon
the consummation of the Merger) (collectively, the "Purchaser Securities").

         I represent, warrant and covenant to Purchaser that in the event I
receive any shares of Purchaser Securities as a result of the Merger:

                  A. I shall not make any sale, transfer or other disposition of
Purchaser Securities in violation of the Act or the Rules and Regulations.

                  B. I have carefully read this Letter Agreement and the Merger
Agreement and discussed the requirements of such documents and other applicable
limitations upon my ability to sell, transfer or otherwise dispose of Purchaser
Securities to the extent I felt necessary, with my counsel or counsel for the
Company.

                  C. I have been advised that the issuance of Purchaser
Securities to me pursuant to the Merger shall be registered with the Commission
under the Act on a Registration Statement on Form S-4. However, I have also been
advised that, because: (a) at the time the Merger shall be submitted for a vote
of the stockholders of the Company, I may be deemed to be an affiliate of the
Company; and (b) the distribution by me of Purchaser Securities has not been
registered under the Act, I may not sell, transfer or otherwise dispose of
Purchaser Securities issued to me in the Merger unless: (i) such sale, transfer
or other disposition is made in conformity with the volume and other limitations
of Rule 145(d) promulgated by the Commission under the Act ("Rule 145(d)"); (ii)
such sale, transfer or other disposition has been registered under the Act; or
(iii) in the opinion of counsel reasonably acceptable to Purchaser, such sale,
transfer or other disposition is otherwise exempt from registration under the
Act.

                  D. I understand that, except as provided in the Merger
Agreement, Purchaser is under no obligation to register the sale, transfer or

<PAGE>

MAF Bancorp, Inc.
June 29, 2005
Page 2

other disposition of Purchaser Securities by me or on my behalf under the Act or
to take any other action necessary in order to make compliance with an exemption
from such registration available.

                  E. I also understand that stop transfer instructions will be
given to Purchaser's transfer agents with respect to Purchaser Securities issued
to me and that there will be placed on the certificates for Purchaser Securities
issued to me, or any substitutions therefor, a legend stating in substance:

                  "THE SHARES REPRESENTED BY THIS CERTIFICATE WERE ISSUED IN A
                  TRANSACTION TO WHICH RULE 145 PROMULGATED UNDER THE SECURITIES
                  ACT OF 1933 APPLIES. THE SHARES REPRESENTED BY THIS
                  CERTIFICATE MAY ONLY BE TRANSFERRED IN ACCORDANCE WITH THE
                  TERMS OF AN AGREEMENT DATED JUNE 29, 2005 BETWEEN THE
                  REGISTERED HOLDER HEREOF AND MAF BANCORP, INC., A COPY OF
                  WHICH AGREEMENT IS ON FILE AT THE PRINCIPAL OFFICES OF MAF
                  BANCORP, INC."

                  F. I also understand that, unless the sale or transfer by me
of Purchaser Securities has been registered under the Act or is a sale made in
conformity with the provisions of Rule 145, Purchaser reserves the right to put
the following legend on the certificates issued to my transferee:

                  "THE SHARES REPRESENTED BY THIS CERTIFICATE WERE ACQUIRED IN A
                  TRANSACTION THAT WAS NOT REGISTERED UNDER THE SECURITIES ACT
                  OF 1933 AND WERE ACQUIRED FROM A PERSON WHO RECEIVED SUCH
                  SHARES IN A TRANSACTION TO WHICH RULE 145 PROMULGATED UNDER
                  THE SECURITIES ACT OF 1933 APPLIES. THE SHARES HAVE BEEN
                  ACQUIRED BY THE HOLDER NOT WITH A VIEW TO, OR FOR RESALE IN
                  CONNECTION WITH, ANY DISTRIBUTION THEREOF WITHIN THE MEANING
                  OF THE SECURITIES ACT OF 1933 AND MAY NOT BE SOLD, PLEDGED OR
                  OTHERWISE TRANSFERRED EXCEPT IN ACCORDANCE WITH AN EXEMPTION
                  FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT OF
                  1933."

                  G. I hereby agree that at any meeting of the stockholders of
the Company however called, and in any action by written consent to the
stockholders of the Company, I (solely in my capacity as a stockholder) shall
vote the Company Common Stock which I am entitled to vote: (a) in favor of the
adoption of the Merger Agreement; (b) against any action or agreement which
would result in a breach of any covenant, representation or warranty or any
other obligation of the Company under the Merger Agreement; and (c) against any
action or agreement which would impede or interfere with the transactions
contemplated by the Merger Agreement, including, but not limited to: (i) any
change in the management or Board of Directors of the Company, except as
otherwise consented to in writing by Purchaser; (ii) any change in the present
capitalization or dividend policy of the Company; or (iii) any other material
change in the Company's corporate structure or business.

                  H. I agree (solely in my capacity as a stockholder) not to
vote or execute any written consent to rescind or amend in any manner any prior
vote or written consent to approve or adopt the Merger Agreement and the
transactions contemplated thereby.

                  I. I agree (solely in my capacity as a stockholder) to use my
best efforts to cause the Merger and the other transactions contemplated by the
Merger Agreement to be consummated.

<PAGE>

MAF Bancorp, Inc.
June 29, 2005
Page 3

                  J. Prior to the meeting of the stockholders of the Company
called for the purpose of approving the Merger Agreement, I will not sell,
assign, transfer or otherwise dispose of (including, without limitation, by the
creation of a Lien (as defined below) that would cause the total number of
shares of Company Common Stock subject to the Liens to exceed the number shares
in Section K below), or permit to be sold, assigned, transferred or otherwise
disposed of, any shares of Company Common Stock owned of record or beneficially
by me, whether such shares of Company Common Stock are owned of record or
beneficially by me on the date of the Merger Agreement or are subsequently
acquired, whether pursuant to the exercise of stock options or otherwise,
except: (i) for transfers by operation of law (in which case this Letter
Agreement shall bind the transferee); (ii) for sales, assignments, transfers or
other dispositions necessitated by hardship with the prior written consent of
Purchaser; (iii) for transfers to charities, charitable trusts, or other
charitable organizations under Section 501(c)(3) of the IRC, lineal descendant
or a spouse of the undersigned, or to a trust or other entity for the benefit of
one or more of the foregoing persons, provided that the transferee agrees in
writing to be bound by the terms of this Letter Agreement; (iv) for transfers to
the Company for the payment of taxes relating to the exercise of stock options
or any disposition of shares acquired upon exercise of incentive stock options
contemplated by the Letter of Understanding (as defined in the Merger
Agreement), if any, I have entered into with the Company; or (v) as Purchaser
may otherwise agree in writing.

                  K. I represent that (i) I have the complete and unrestricted
power and the unqualified right to enter into and perform the terms of this
Letter Agreement; (ii) this Letter Agreement constitutes a valid and binding
agreement with respect to me, enforceable against me in accordance with its
terms; and (iii) I own the shares of Company Common Stock free and clear of any
liens, claims, charges or other encumbrances and restrictions of any kind
whatsoever ("Liens") except as noted below as of the date hereof, and have sole
and unrestricted voting power with respect to such shares of Company Common
Stock:

                  L. It is understood and agreed that this Letter Agreement
shall terminate and be of no further force and effect if the Merger Agreement is
terminated in accordance with its terms. It is also understood and agreed that
this Letter Agreement shall terminate and be of no further force and effect and
the stop transfer instructions set forth above shall be lifted forthwith upon
the delivery by the undersigned to Purchaser of an opinion of counsel in form
and substance reasonably satisfactory to Purchaser, or other evidence reasonably
satisfactory to Purchaser, to the effect that a transfer of my shares of
Purchaser Common Stock will not violate the Securities Act or any of the rules
and regulations of the Commission thereunder. In addition, it is understood and
agreed that the legend set forth in Paragraph E above shall be removed forthwith
at my request from the certificate or certificates representing my shares of
Purchaser Common Stock upon (i) expiration of the restrictive period set forth
in Rule 145(d)(2), so long as Purchaser is then in compliance with Commission
Rule 144(c), or the restrictive period set forth in Rule 145(d)(3) or (ii) if
Purchaser shall have received an opinion of counsel in form and substance
reasonably satisfactory to Purchaser, or other evidence satisfactory to
Purchaser that a transfer of my shares of the Purchaser Common Stock represented
by such certificate or certificates will be a sale made in conformity with the
provisions of Rule 145(d), made pursuant to an effective registration statement
under the Securities Act or made pursuant to an exemption from registration
under the Securities Act.

<PAGE>

MAF Bancorp, Inc.
June 29, 2005
Page 4

                  Execution of this Letter Agreement should not be considered an
admission on my part that I am an "affiliate" of the Company as described in the
first paragraph of this Letter Agreement, or as a waiver of any rights I may
have to object to any claim that I am such an affiliate on or after the date of
this Letter Agreement.

                                             Very truly yours,

                                             -----------------------------------
                                             Name:

Accepted and Agreed to                       Number of Shares of
this ___ day of                              Company Common Stock
June, 2005, by                                                    ------
MAF BANCORP, INC.

By:
      ----------------------------
Name:
      ----------------------------
Title:
      ----------------------------

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