Document:

Form of Restricted Stock Award Agreement (Employees)

 Exhibit 10.3 
 FORM OF RESTRICTED STOCK AWARD AGREEMENT 
 (EMPLOYEES) 

Name of Participant:                      

Date of Grant: January 24, 2013 
 Number of
Shares:                      
 Value of each
Share on Date of Grant: $4.50 
 This Restricted Stock Agreement (the “Agreement”), dated as of January 24, 2013,
is made between Intervest Bancshares Corporation (the “Company”) and the above-named individual (the “Participant”) to record the granting of Restricted Common Stock on January 24, 2013 (the “Grant Date”) to the
Participant pursuant to the Company’s Long Term Incentive Plan (the “Plan”) by the Company’s Compensation Committee pursuant to the Plan. 
 The Committee and the Participant hereby agree as follows: 
 1. Grant. The Company hereby
grants to the Participant, as of the Grant Date, subject to and in accordance with the terms and conditions of the Plan and this Agreement,
                     shares of the Company’s Common Stock, par value $1.00 per share (the “Common Stock”). The grant of shares of
Common Stock to the Participant, evidenced by this Agreement, is an award of Restricted Stock (as defined in the Plan) and such shares of Restricted Stock are referred to in this Agreement as the “Shares.” 

2. Vesting. Ownership of the shares shall vest in three, equal, annual installments on the first, second, and third anniversaries of the Grant
Date, provided that the Participant provides substantial services and remains in continuous employment with the Company (or an affiliated entity) until the Shares Vest. 
 Notwithstanding the foregoing vesting dates, if, prior to the third anniversary of the Grant Date, there is a Change of Control of the Company (as that term is defined in the Plan) or the
Participant’s employment terminates because of death or disability, all Shares not yet vested shall become immediately vested. 
 3.
Forfeiture. Shares that do not become vested in accordance with the vesting set forth in Section 2 shall be forfeited to the Company. 
 4. Legend. Each share certificate representing the Shares shall bear a legend indicating that such Shares are “Restricted Stock” and are subject to the provisions of this Agreement and
the Plan. 
 5. Withholding Taxes. If the Participant is an employee of the Company or any of its subsidiaries, the Participant shall, at
the request of the Company, remit to the Company in cash the amount needed to satisfy any federal, state or local withholding taxes that may arise or be applicable as the result of the award or vesting of Shares. The Participant may, with the
Committee’s consent, elect to satisfy, totally or in part, such Participant’s obligations pursuant to this section by electing to have Shares withheld, provided that such election is made in writing prior to the vesting of the Shares
pursuant to Section 2. 
 6. Stock Issuance. 
 (a) The Company shall issue the Shares in book entry form, registered in the name of the Participant with notations regarding the applicable restrictions on transfer imposed under this Agreement;
provided, however, that the Company may, in its discretion, elect to issue such shares in certificate form as provided below. 

(b) Any certificates representing the Shares that may be delivered to the Participant by the Company prior to vesting shall be
redelivered to the Company to be held by the Company until the restrictions on such Shares have lapsed and the Shares shall thereby have become vested or the shares represented thereby have been forfeited hereunder. Such certificates shall bear a
legend as contemplated by Section 4. 

 (c) Promptly after the vesting of the Shares pursuant to Section 2, the Company shall,
as applicable, either remove the notations on any shares issued in book entry form which have vested or deliver to the Participant a certificate or certificates evidencing the number of Shares which have vested. The Participant shall deliver to the
Company any representations or other documents required by this Agreement or the Plan. 
 (d) If the Company elects to issue
certificates to the Participant, the Participant shall be required to execute a stock power, in the form attached as Exhibit A, with respect to the Shares. The Company shall not deliver any certificates in accordance with this Agreement unless and
until the Company shall have received such stock power executed by the Participant. The Participant, by acceptance of this award, shall be deemed to appoint, and does so appoint by execution of this Agreement, the Company and each of its authorized
representatives as the Participant’s attorney(s)-in-fact to effect any transfer of unvested forfeited Shares (or Shares otherwise reacquired by the Company hereunder) to the Company as may be required pursuant to the Plan or this Agreement and
to execute such documents as the Company or such representatives deem necessary or advisable in connection with any such transfer. 
 7.
Rights as a Shareholder. Except for the transfer and other restrictions set forth elsewhere in this Agreement and in the Plan, the Participant, as record holder of the Shares, shall possess all the rights of a holder of the Company’s
common stock, including the right to receive dividends on and to vote the Shares; provided, however, that prior to becoming vested and transferable, the certificates representing such Shares shall be held by the Company for the benefit of the
Participant. As the Shares become vested and transferable, certificates representing such Shares shall be released to the Participant. 
 8.
Transferability. The Shares may not be sold, transferred, pledged, assigned, encumbered, or otherwise alienated or hypothecated until they become fully vested and transferable in accordance with Section 2 of this Agreement and then only
to the extent permitted under the Agreement and the Plan and any applicable securities laws. Prior to full vesting and transferability, all rights with respect to the Shares granted to a Participant under the Plan shall be available, during such
Participant’s lifetime, only to such Participant. 
 9. Section 83(b) Election. The Participant may elect, within 30 days of
the Grant Date, pursuant to Section 83(b) of the Internal Revenue Code, to include in his or her gross income the fair market value of the Shares covered by this Agreement in the taxable year of grant. The election must be made by filing the
appropriate notice with the Internal Revenue Service within 30 days of the Grant Date. If the Participant makes such election, the Participant shall promptly notify the Company by submitting to the Company a copy of the election notice filed with
the Internal Revenue Service. 
 10. Adjustment of Shares. As provided in the Plan, in the event of any change in the Common Stock of the
Company by reason of any stock dividend, stock split, recapitalization, merger, consolidation, split-up, combination or exchange of Shares, or of any similar change affecting the Common Stock, the Shares shall be adjusted automatically consistent
with such change to prevent substantial dilution or enlargement of the rights granted to, or available for, the Participant. 
 11. No
Employment Rights. Neither the Plan nor this award shall confer upon the Participant any right with respect to continuing employment by the Company or any subsidiary of the Company nor shall they interfere in any way with the right of the
Company or any subsidiary of the Company to terminate the Participant’s employment at any time, with or without cause. 
 12. The
Plan. The Participant hereby acknowledges receipt of a copy of the Plan and agrees to be bound by all of the terms and provisions thereof, including any that might conflict with those contained in this Agreement. Capitalized terms used in this
Agreement and not otherwise defined herein shall have the meaning given to such terms under the Plan. 
 13. Notices. All notices to the
Company shall be in writing and sent to the Company’s Secretary at the Company’s offices. Notices to the Participant shall be addressed to the Participant at the Participant’s address as it appears in the Company’s records.

  
 2 

 IN WITNESS WHEREOF, the Company and the Participant have caused this Restricted Stock
Agreement to be executed on the date set forth opposite their respective signatures, it being understood that the Grant Date may differ from the date of signature. 
  

							
	Dated:                     , 2013	 	INTERVEST BANCSHARES CORPORATION
				
		 		 	By:	 	  

		 		 	Name:	 	Lowell S. Dansker
		 		 	Title:	 	Chairman
			
	Dated:                     , 2013	 		 	  

		 		 	Participant Name:

  
 3 

 EXHIBIT A 
 STOCK POWER 
 FOR VALUE RECEIVED, the undersigned does hereby sell, assign
and transfer to Intervest Bancshares Corporation (the “Company”),
                                         Shares
of the Company’s common stock represented by Certificate No.         . The undersigned authorizes the Secretary of the Company to transfer the stock on the books of the Company in the event of any
forfeiture of any shares issued under the Restricted Stock Agreement dated as of                     , 20     between the Company
and the undersigned. 
  

							
	Dated:	 	  
	 		 	  

		 		 		 	[Participant’s Name]

  
 4EX-10.1

 Exhibit 10.1 
 EXECUTION VERSION 
 FIRST AMENDMENT TO LIMITED GUARANTY  

January 22, 2013 
 Wells Fargo Bank,
National Association 
 One Boston Place, 18th Floor 
 Boston, MA 02108 
 Attention: Joseph Burt 

 

	 	Re:	Limited Guaranty of American Greetings Corporation (the “Guarantor”) in favor of Wells Fargo Bank, National Association, as successor by merger to Wells Fargo
Retail Finance, LLC (the “Agent”) for the benefit of Wells Fargo Bank, National Association and Wells Fargo Foothill Canada, ULC (each a “Lender” and collectively, the “Lenders”) 

Ladies and Gentlemen: 

Reference is made to that certain Limited Guaranty dated as of April 17, 2009 by the Guarantor in favor of the Agent for the benefit
of the Lenders (the “Guaranty” and as supplemented by this First Amendment to Limited Guaranty and as it may be further supplemented, modified or amended, the “Guaranty”). Capitalized terms used but not defined herein shall have
the respective meanings ascribed to them in the Guaranty. 
 On the date hereof, the Agent, Lenders and Borrowers (as defined in
the Guaranty) are entering into a Third Amendment to the First Amended and Restated Loan and Security Agreement. In connection therewith, the Guarantor, Agent and Lenders each desire to amend the terms of the Guaranty. Accordingly, in consideration
of the mutual covenants and agreements set forth in the Guaranty and herein and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Guarantor, the Agent and the Lenders hereby agree to amend
the Guaranty as set forth herein. 
 1. Amendments. 

(a) Guarantor L/C End Date. The definition of “Guarantor L/C End Date” is amended by deleting the reference to
“January 1, 2014” contained in clause (B) and replacing it with a reference to “July 18, 2016”. 
 (b)
Maximum Guaranty Amount. The definition of “Maximum Guaranty Amount” is amended and restated in its entirety as follows: 
 “Maximum Guaranty Amount” means $10,000,000. 
 (c) Amendments to Loan
Documents. Section 25 of the Guaranty is amended by (i) deleting the reference to “January 1, 2014” contained therein and replacing it with a reference to “July 18, 2016” and (ii) deleting the reference to
“Section 6.21” contained therein and replacing it with a reference to “Section 6.22”. 
 (d) Notices.
Section 11 of the Guaranty is amended by (i) deleting the reference to “Catherine M. Kilbane, SVP” contained therein and replacing it with a reference to “Office of the

  

First Amendment to Liquidity Guaranty 
 Page 1 of 4 

 
General Counsel” and (ii) deleting the reference to “Wells Fargo Retail Finance, LLC” contained therein and replacing it with a reference to “Wells Fargo Bank,
N.A.”. 
 2. Acknowledgement and Consent. Pursuant to Section 25 of the Guaranty, no amendment of certain
provisions of the Loan Agreement may be made without the Guarantor’s prior written consent if a condition of such amendment requires the Guarantor L/C to be maintained beyond January 1, 2014. The Guarantor hereby consents to the extension
of the Revolving Credit Maturity Date to January 18, 2016 and the extension of the Guarantor L/C End Date to July 18, 2016. 
 3. All Other Guaranty Provisions Remain In Effect; No Defaults. Unless expressly modified hereby, all other terms and provisions of the Guaranty shall remain in full force and effect and are hereby
ratified in all respects. Each of the Guarantor and Lender hereby represent that, to the best of its knowledge, there are no uncured defaults under the Guaranty as of the date hereof. 

  

First Amendment to Liquidity Guaranty 
 Page 2 of 4 

 IN WITNESS WHEREOF, Guarantor has executed and delivered this First Amendment to the
Guaranty as of the day and year first above written. 
  

									
	ATTEST:	 		 	AMERICAN GREETINGS CORPORATION
					
	By:	 	/s/ Guilherme N. De Mello	 		 	By:	 	/s/ Gregory M. Steinberg
	Name:	 	Guilherme N. De Mello	 		 	Name:	 	Gregory M. Steinberg
		 		 		 	Title:	 	Treasurer and Executive Director of Investor Relations

  

First Amendment to Liquidity Guaranty 
 Page 3 of 4 

			
	ACKNOWLEDGED:
	
	 WELLS FARGO BANK, NATIONAL ASSOCIATION,
 as Agent and as a Lender

		
	By:	 	/s/ Joseph Burt
	Name:	 	Joseph Burt
	Title:	 	Director
	
	 WELLS FARGO FOOTHILL CANADA, ULC,
 as Lender

		
	By:	 	/s/ Domenic Cosentino
	Name:	 	Domenic Cosentino
	Title:	 	 Vice President
 Wells Fargo
Foothill Canada ULC

  

First Amendment to Liquidity Guaranty 
 Page 4 of 4

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