Document:

Amended letter to the Five Year Credit Agreement

 Exhibit 10.1 
 EXECUTION COPY 
 LETTER AMENDMENT 
 Dated as of August 23, 2006 
  

			
	 To the banks, financial institutions and other institutional lenders (collectively, the “Lenders”) parties to the Credit
Agreement referred to below and to Citicorp USA, Inc., as administrative agent (the “Administrative Agent”) for the Lenders
	 	

 Ladies and Gentlemen: 
 We refer to the Five Year Credit Agreement dated as of June 6, 2006 (the “Credit Agreement”) among the undersigned and you.
Capitalized terms not otherwise defined in this Letter Amendment have the same meanings as specified in the Credit Agreement. 
 It is hereby
agreed by you and us that the Credit Agreement is, effective as of the date of this Letter Agreement, hereby amended as follows: 
 (a) The
definition of “Responsible Officer “ in Section 1.01 of the Credit Agreement is amended in full to read as follows: 
 “Responsible Officer” means the chief executive officer, the president, the chief operating officer, the chief financial officer, the chief legal officer, the treasurer, the controller or an assistant treasurer of each of
the Credit Parties and, for purposes of the definitions of “Competitive Bid Request” and “Request for Extensions of Credit”, such other officer as the Company may specify to the Administrative Agent in a written notice from time
to time. Any document or certificate hereunder that is signed or executed by a Responsible Officer shall be conclusively presumed to have been authorized by all necessary corporate, partnership and/or other action on the part of the relevant Credit
Party and such Responsible Officer shall be conclusively presumed to have acted on behalf of such Credit Party. 
 (b) Schedule 7.02 is
hereby amended by deleting therefrom the figure “$500,000,000” and substituting therefor the figure “$1,500,000,000”. 
 (c) Schedule 10.02 is hereby amended in full to read as set forth as Annex A to this Letter Amendment. 
 The Company hereby
certifies that, as of the date of this Letter Amendment, the representations and warranties contained in Article V of the Credit Agreement are correct in all material respects on and as of such date, with the same effect as if made on and as of such
date, except where such representations and warranties expressly relate to an earlier date, and no event has occurred and is continuing that constitutes a Default or an Event of Default. 
 This Letter Amendment shall become effective as of the date first above written when, and only when, the Administrative Agent shall have received
counterparts of this Letter Amendment executed by the undersigned and the Requisite Lenders or, as to any of the Lenders, advice satisfactory to the Administrative Agent that such Lender has executed this Letter Amendment. This Letter Amendment is
subject to the provisions of Section 10.01 of the Credit Agreement. 
 On and after the effectiveness of this Letter Amendment, each
reference in the Credit Agreement to “this Agreement”, “hereunder”, “hereof” or words of like import referring to the Credit Agreement, and each reference in the Notes and each of the other Loan Documents to “the
Credit Agreement”, “thereunder”, “thereof” or words of like import referring to the Credit Agreement, shall mean and be a reference to the Credit Agreement, as amended by this Letter Amendment. 

 The Credit Agreement, the Notes and each of the other Loan Documents, as specifically amended by this
Letter Amendment, are and shall continue to be in full force and effect and are hereby in all respects ratified and confirmed. The execution, delivery and effectiveness of this Letter Amendment shall not, except as expressly provided herein, operate
as a waiver of any right, power or remedy of any Lender or the Administrative Agent under any of the Loan Documents, nor constitute a waiver of any provision of any of the Loan Documents. 
 If you agree to the terms and provisions hereof, please evidence such agreement by executing and returning at least two counterparts of this Letter
Amendment to Susan L. Hobart, Shearman & Sterling LLP, 599 Lexington Avenue, New York, New York 10022. 
 This Letter Amendment may
be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed shall be deemed to be an original and all of which taken together shall constitute one and the same agreement.
Delivery of an executed counterpart of a signature page to this Letter Amendment by telecopier shall be effective as delivery of a manually executed counterpart of this Letter Amendment. 
 This Letter Amendment shall be governed by, and construed in accordance with, the laws of the State of New York. 
 Very truly yours, 
  
  

			
	 SCIENCE APPLICATIONS INTERNATIONAL CORPORATION,
 a Delaware corporation

		
	By:	 	/S/    STEVEN P. FISHER        
		 	Title: Senior Vice President and Treasurer

 Agreed as of the date first above written: 
  

	CITICORP	USA, INC., 

 as Administrative Agent and as a Lender 
  

			
		
	By:	 	/S/    HANS
LIN        
		 	Title: Vice President

  

			
	 WACHOVIA BANK NATIONAL ASSOCIATION

		
	By:	 	/S/    THOMAS
LIU        
		 	Title: Vice President

  

			
	 BANK OF AMERICA, N.A.

		
	By:	 	/S/    KENNETH J.
BECK        
		 	Title: Senior Vice President

  

			
	MORGAN STANLEY BANK
		
	By:	 	/S/    DANIEL
TWENGE        
		 	Title: Authorized Signatory Morgan Stanley Bank

  

 2 

			
	U.S. BANK NATIONAL ASSOCIATION
		
	By:	 	/S/    CONNAN
SCHLEICHER        
		 	Title: Vice President

  

			
	THE BANK OF NEW YORK
		
	By:	 	/S/    ELIZABETH T.
YING        
		 	Title: Managing Director

  

			
	KEYBANK NATIONAL ASSOCIATION
		
	By:	 	/S/    THOMAS A.
CRANDELL        
		 	Title: Senior Vice President

  

			
	MELLON BANK, N.A.
		
	By:	 	/S/    DAVID B.
WIRL        
		 	Title: Vice President

  

			
	ROYAL BANK OF SCOTLAND PLC
		
	By:	 	/S/     L. PETER
YETMAN        
		 	Title: Senior Vice President

  

			
	 SOCIETE GENERALE

		
	By:	 	/S/    MILISSA
GROEDEN        
		 	Title: Vice President

  

 3 

 ANNEX A 
 SCHEDULE 10.02 
 LENDING OFFICES AND NOTICE ADDRESSES 
  

					
	 Administrative Agent
	  	 	  	 
	 Citibank, N.A.
	  	 Two Penns Way
 New Castle, DE19720
 Attn: Bank Loan Syndications
 Account No. 36852248
	  	
			
	 Name of Initial Lender
	  	 Domestic Lending Office
	  	 Eurodollar Lending Office

	 Bank of America, N.A.
	  	 2001 Clayton Road
 Building B
 Concord, CA 94520
 Attn: Pamela Greer-Tillman
 T: 925 675-8453
 F: 888 969-2786
	  	 2001 Clayton Road
 Building B
 Concord, CA 94520
 Attn: Pamela Greer-Tillman
 T: 925 675-8453
 F: 888 969-2786

			
	 The Bank of New York
	  	 One Wall Street
 22nd Floor
 New York, NY 10005
 Attn: Dawn Hertling
 T: 212 635-6742
 F: 212 635-6399
	  	 One Wall Street
 22nd Floor
 New York, NY 10005
 Attn: Dawn Hertling
 T: 212 635-6742
 F: 212 635-6399

			
	 Citibank, N.A.
	  	 Two Penns Way
 New Castle, DE 19720
	  	 Two Penns Way
 New Castle, DE
19720

			
	 Keybank National Association
	  	 127 Public Square
 8th Floor
 Cleveland, OH
44114
 Attn: Lisa Wright
 T: 216 689-5023
 F: 216 689-5962
	  	 127 Public Square
 8th Floor
 Cleveland, OH
44114
 Attn: Lisa Wright
 T: 216 689-5023
 F: 216 689-5962

			
	 Mellon Bank, N.A.
	  	 One Mellon Bank Center
 Room 4535
 500 Grant Street
 Pittsburgh, PA 15258
 Attn: Charlotte Adams
 T: 412 204-4912
 F: 412 209-6105
	  	 One Mellon Bank Center
 Room 4535
 500 Grant Street
 Pittsburgh, PA 15258
 Attn: Charlotte Adams
 T: 412 204-4912
 F: 412 209-6105

			
	 Morgan Stanley Bank
	  	 2500 Lake Park Blvd.
 Suite 300 C
 West Valley City, UT 84120
 Attn: Larry Benison
 T: 718 754-7299
 F: 718 754-7249
	  	 2500 Lake Park Blvd.
 Suite 300 C
 West Valley City, UT 84120
 Attn: Larry Benison
 T: 718 754-7299
 F: 718 754-7249

					
			
	 Name of Initial Lender
	  	 Domestic Lending Office
	  	 Eurodollar Lending Office

	 The Royal Bank of Scotland plc
	  	 101 Park Avenue
 New York, NY 10178
 Attn: Li Yao Li
 T: 212 401-1335
 F: 212 401-1494
	  	 101 Park Avenue
 New York, NY 10178
 Attn: Li Yao Li
 T: 212 401-1335
 F: 212 401-1494

			
	 Societe Generale
	  	 1221 Avenue of the Americas
 New York, NY
10020
 Attn: Arlene Tellerman
 T: 212 278-6086
 F: 212 278-7490
	  	 1221 Avenue of the Americas
 New York, NY
10020
 Attn: Arlene Tellerman
 T: 212 278-6086
 F: 212 278-7490

			
	 U.S. Bank National Association
	  	 555 S.W. Oak Street
 Mail Code: PD-OR-P7LN

Portland, OR 97204
 Attn: Lennie Regalado
 T: 503 275-4395
 F: 503 275-4600
	  	 555 S.W. Oak Street
 Mail Code: PD-OR-P7LN

Portland, OR 97204
 Attn: Lennie Regalado
 T: 503 275-4395
 F: 503 275-4600

			
	 Wachovia Bank, National Association
	  	     
201 S. College Street
 Charlotte, NC 28288
 NC 1183
 Attn: Jason
Schooley
 T: 704 715-9700
 F: 704 715-0094
	  	 201 S. College Street
 Charlotte, NC 28288

NC 1183
 Attn: Jason Schooley
 T: 704 715-9700
 F: 704 715-0094

  

 2Form of Incentive Stock Option Award Terms

 Exhibit 10.1 
 BANKFINANCIAL CORPORATION 
 2006
EQUITY INCENTIVE PLAN 
 INCENTIVE
STOCK OPTION AWARD TERMS 
 The Participant specified below has been
granted this Option by BANKFINANCIAL CORPORATION, a Maryland corporation (the “Company”), under the terms of the BANKFINANCIAL
CORPORATION 2006 EQUITY INCENTIVE PLAN (the “Plan”). The Option shall be subject to the Plan as well as the following terms and conditions (the
“Option Terms”): 
 Section 1. Award. In accordance with the Plan, the Company hereby grants an Option for
the number of Covered Shares set forth in Section 2 to the Participant, subject to the Option Terms. 
 Section 2.
Terms of Award. The following words and phrases relating to the grant of the Option shall have the following meanings: 
 (a)
The “Participant” is [                        ]. 
 (b) The “Grant Date” is
[                    ]. 
 (c) The number of “Covered Shares” shall be [            ]. 
 (d) The “Exercise Price” is $[            ] per share. 
 Except where the context clearly implies to the contrary, any capitalized term in this award shall have the meaning ascribed to that term under the Plan.

 Section 3. Incentive Stock Option. The Option is intended to constitute an “incentive stock option” as
that term is used in Code section 422. To the extent that the aggregate fair market value (determined at the time of grant) of Shares with respect to which incentive stock options are exercisable for the first time by the Participant during any
calendar year under all plans of the Company and its Subsidiaries exceeds $100,000, the options or portions thereof which exceed such limit (according to the order in which they were granted) shall be treated as nonstatutory stock options. It should
be understood that there is no assurance that the Option will, in fact, be treated as an incentive stock option. 
 Section 4.
Vesting. Subject to the limitations of the Option Terms, each installment of Covered Shares of the Option (“Installment”) shall become vested and exercisable on and after the “Vesting Date” for such
Installment as described in the following schedule (but only if the Participant’s Termination of Service has not occurred before the Vesting Date): 

			
	 INSTALLMENT
	  	 VESTING DATE
 APPLICABLE TO INSTALLMENT

	[    ] of Covered Shares	  	[    ]
	[    ] of Covered Shares	  	[    ]
	[    ] of Covered Shares	  	[    ]

 Notwithstanding the foregoing provisions of this Section 4, the Option shall
become fully exercisable upon the earliest of the following events to occur: (i) a Change in Control that occurs on or before the Participant’s Termination of Service; or (ii) Participant’s Termination of Service as a result of
the Participant’s Death, Disability or Retirement. 
 (a) The Option may only be exercised on or after the Participant’s
Termination of Service only as to that portion of the Covered Shares for which it was exercisable immediately prior to the Participant’s Termination of Service, or became exercisable on the date of the Participant’s Termination of Service.

 Section 5. Expiration. The Option shall not be exercisable after the Company’s close of business on the last
business day that occurs prior to the Expiration Date. The “Expiration Date” shall be the earliest to occur of: 
 (a)
the date of the Participant’s Termination of Service due to Cause; 
 (b) the [    ] anniversary of the Grant
Date; 
 (c) the twelve (12) month anniversary of the Participant’s Termination of Service if the Termination of Service occurs due
to Death, Disability or Retirement; or 
 (d) the three (3) month anniversary of the Participant’s Termination of Service if the
Termination of Service occurs for reasons other than Death, Disability, Retirement or Cause; provided, however, that if the Participant returns to employment with, or as a director or consultant to, the Company, within three (3) months
after the Termination of Service, such termination shall have no effect on the Option and the Participant shall have the same number of shares and the same vesting schedule as set forth in this Agreement. 
 Notwithstanding the foregoing provisions of this Section 5, in the event a Participant dies during the period provided for in subsection
(d) above, the Option shall not expire, and shall remain exercisable, until the one (1) year anniversary of the date of Death, but in no event beyond the expiration date provided in subsection (b) above. 
 Section 6. Method of Option Exercise.
 (a) Method of Exercise. Subject to the Option Terms and the Plan, the Option may be exercised in whole or in part by filing an exercise notice with the Secretary of the Company at its corporate headquarters
prior to the Company’s close of business on the last business day that occurs prior to the Expiration Date. The notice requirement may only be 
  

 2 

 satisfied by (i) the proper use of a specified electronic medium (phone, intranet, internet or other), whether or
not such medium is the property of, or maintained, by the Company or a third party service provider, or (ii) any other method prescribed by the Committee; provided, however, the Committee shall retain the right to limit or expand the
method of exercise to any one or more of the above methods with respect to any individual Participant or group or class of Participants. Such notice shall specify the number of Covered Shares which the Participant elects to purchase, and shall be
accompanied by payment of the Exercise Price for such Covered Shares indicated by the Participant’s election. 
 (b) Payment of
Exercise Price. Payment may be by cash or, subject to limitations imposed by applicable law, by such means as the Committee from time to time may permit, including, (i) by tendering, either actually or by attestation, shares of Common Stock
acceptable to the Committee, valued at Fair Market Value on the date of exercise; (ii) by irrevocably authorizing a third party, acceptable to the Committee, to sell shares of the Common Stock (or a sufficient portion of the Shares) acquired
upon exercise of the Option and to remit to the Company a sufficient portion of the sale proceeds to pay the entire Exercise Price; (iii) by personal, certified or cashiers’ check; (iv) by other property deemed acceptable by the
Committee; or (v) any combination of the above. If payment is made pursuant to clauses (i) or (ii) above, the Participant’s election must be made on or prior to the date of exercise of the Option and must be irrevocable. The
Option shall not be exercisable if and to the extent the Company determines that such exercise would violate applicable state or federal securities laws or the rules and regulations of any securities exchange on which the Stock is traded and shall
not be exercisable during any blackout period established by the Company from time to time. 
 Section 7.
Withholding. The exercise of the Option, and the Company’s obligation to issue shares upon exercise, is subject to withholding of all applicable taxes. At the election of the Participant, and subject to such rules and
limitations as may be established by the Committee from time to time, such withholding obligations may be satisfied (i) through cash payment by the Participant; or (ii) by irrevocably authorizing a third party, acceptable to the Committee,
to sell shares of the Common Stock (or a sufficient portion of the Shares) acquired upon exercise of the Option and to remit to the Company a sufficient portion of the sale proceeds to pay any tax and withholding resulting from such exercise; or
(iii) by tendering, actually or by attestation, shares of Common Stock acceptable to the Committee; or (iv) subject to the Committee’s discretion, through the surrender of Covered Shares to which the Participant is otherwise entitled
under the Plan; provided, however, that such shares under this clause (iv) may be used to satisfy not more than the Company’s minimum statutory withholding obligation (based on minimum statutory withholding rates for federal and
state tax purposes, including payroll taxes, that are applicable to such supplemental taxable income). 
 Section 8.
Transferability. No portion of this Option may be assigned, transferred, pledged or hypothecated by the Participant in any way whether by operation of law or otherwise, and shall not be subject to execution, attachment or similar
process. Any attempt at assignment, transfer, pledge or hypothecation, or other disposition of this Option contrary to the provisions hereof, and the levy of any attachment or similar process upon this option, shall be null and void and without
effect. Notwithstanding the above, an Option may be assigned, transferred, pledged or hypothecated by will or the laws of descent and distribution or pursuant to a qualified domestic relations order. 
  

 3 

 Section 9. Heirs and Successors. The Option Terms shall be binding upon, and
inure to the benefit of, the Company and its successors and assigns, and upon any person acquiring, whether by merger, consolidation, purchase of assets or otherwise, all or substantially all of the Company’s assets and business. If any rights
of the Participant or benefits distributable to the Participant under this Agreement have not been exercised or distributed, respectively, at the time of the Participant’s Death, such rights shall be exercisable by the Designated Beneficiary,
and such benefits shall be distributed to the Designated Beneficiary, in accordance with the provisions of this Agreement and the Plan. The “Designated Beneficiary” shall be the beneficiary or beneficiaries designated by the
Participant in a writing filed with the Committee on a Beneficiary Designation Form, or such other form as the Committee may require. The Beneficiary Designation Form may be amended or revoked from time to time by the Participant. If a deceased
Participant fails to designate a beneficiary, or if the Designated Beneficiary does not survive the Participant, any rights that would have been exercisable by the Participant and any benefits distributable to the Participant shall be exercised by
or distributed to the legal representative of the estate of the Participant. If a deceased Participant designates a beneficiary and the Designated Beneficiary survives the Participant but dies before the Designated Beneficiary’s exercise of all
rights under this Agreement or before the complete distribution of benefits to the Designated Beneficiary under this Agreement, then any rights that would have been exercisable by the Designated Beneficiary shall be exercised by the legal
representative of the estate of the Designated Beneficiary, and any benefits distributable to the Designated Beneficiary shall be distributed to the legal representative of the estate of the Designated Beneficiary. 
 Section 10. Administration. The authority to manage and control the operation and administration of the Option Terms and the Plan
shall be vested in the Committee, and the Committee shall have all powers with respect to the Option Terms as it has with respect to the Plan. Any interpretation of the Option Terms or the Plan by the Committee and any decision made by it with
respect to the Option Terms or the Plan are final and binding on all persons. 
 Section 11. Plan Governs. Notwithstanding
anything in the Option Terms to the contrary, the Option Terms shall be subject to the terms of the Plan, a copy of which may be obtained by the Participant from the office of the Secretary of the Company; and the Option Terms are subject to all
interpretations, amendments, rules and regulations promulgated by the Committee from time to time pursuant to the Plan. 
 Section 12. Not An Employment Contract. The Option will not confer on the Participant any right with respect to continuance of employment or other service with the Company, nor will it interfere in any way with any right
the Company would otherwise have to terminate or modify the terms of such Participant’s employment or other service at any time. 
  

 4 

 Section 13. No Rights As Shareholder. The Participant shall not have any rights
of a shareholder with respect to the Covered Shares, until a stock certificate has been duly issued following exercise of the Option as provided herein. 
 Section 14. Amendment. The Option Terms may be amended in accordance with the provisions of the Plan, and may otherwise be amended by written agreement of the Participant and the Company
without the consent of any other person. 
 Section 15. Section 409A Amendment. The Committee reserves the right
(including the right to delegate such right) to unilaterally amend this Agreement without the consent of the Participant in order to maintain an exclusion from the application of, or to maintain compliance with, Code Section 409A.
Participant’s acceptance of this Award constitutes acknowledgement and consent to such rights of the Committee. 
 [Remainder of page
intentionally left blank] 
  

 5 

 IN WITNESS WHEREOF, the Company has caused this Agreement to be executed in its name and on its
behalf, all as of the Grant Date and the Participant acknowledges acceptance of the terms and conditions of this Agreement. 
  

			
	BANKFINANCIAL CORPORATION
		
	By:	 	  

	Its:	 	  

	
	[PARTICIPANT]
	
	  

		
	Date:	 	  

  

 6

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