Document:

ex_133014.htm

Exhibit No. 10.2

 

CONFIRMATION AND ACKNOWLEDGEMENT

 

(Collateral Agency Agreement)

 

January 15, 2019

 

Reference is made to (a) the Collateral Agency Agreement, dated as of July 27, 2017 (as amended, restated, supplemented or otherwise modified from time to time, the “Collateral Agency Agreement”), among Hovnanian Enterprises, Inc. (the “Company”), K. Hovnanian Enterprises, Inc. (the “Issuer”) and each other Grantor from time to time party thereto, Wilmington Trust, National Association, in its capacity as the Collateral Agent, and (b) the Indenture, dated as of July 27, 2017 (as amended, supplemented or otherwise modified from time to time, the “Indenture”), among the Company, the Issuer, each other Guarantor (as defined therein) from time to time party thereto, and Wilmington Trust, National Association, in its capacity, as trustee (in such capacity, the “Trustee”) and as collateral agent (in such capacity, the “Collateral Agent”), pursuant to which the Company issued, and may from time to time issue, (a) 10.000% Senior Secured Notes due 2022 (the “10.000% Notes”) and (b) 10.500% Senior Secured Notes due 2024 (the “10.500% Notes” and together with the 10.000% Notes, the “Senior Secured Notes”). Capitalized terms not otherwise defined herein shall have the meanings ascribed thereto in the Collateral Agency Agreement.

 

This Confirmation and Acknowledgement, dated as of January 15, 2019 (this “Confirmation”), is being delivered in connection with the execution and delivery of that certain Seventh Supplemental Indenture dated as of the date hereof, among the Company, the Issuer, each other Guarantor (as defined therein) party thereto, the Trustee and the Collateral Agent, pursuant to which the Issuer is issuing additional 10.500% Senior Secured Notes due 2024 (the “Additional 10.500% Notes”). The parties hereto hereby acknowledge that any Senior Secured Notes (including without limitation, the Additional 10.500% Notes) issued on the date hereof or issued after the date hereof shall constitute Secured Notes, and the holders of such Secured Notes constitute Secured Noteholder Parties, in each case for all purposes under the Collateral Agency Agreement.

 

 

 

 

This Confirmation may be executed in two or more counterparts, each of which shall constitute an original but all of which when taken together shall constitute one contract. THIS CONFIRMATION SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.

 

[Signature Pages Follow]

 

 

 

 

IN WITNESS WHEREOF, the parties caused this Confirmation to be duly executed and delivered as of the day and year first above written.

 

	
			 

				
			Collateral Agent

			 

			WILMINGTON TRUST, NATIONAL ASSOCIATION

			not in its individual capacity but solely in its capacity as

			Collateral Agent

				
			 

			
	
			 

				
			 

				
			 

				
			 

			
	
			 

				
			 

				
			 

				
			 

			
	
			 

				
			By: 

				/s/ Nedine P. Sutton	
			 

			
	
			 

				
			 

				
			Name: Nedine P. Sutton

			Title:   Vice President

				
			 

			
	
			 

				
			 

				
			 

				
			 

			

 

 

 

 

 

	
			 

				
			WILMINGTON TRUST, NATIONAL ASSOCIATION

			not in its individual capacity but solely as Collateral

			Agent under the Junior Collateral Documents

				
			 

			
	
			 

				
			 

				
			 

				
			 

			
	
			 

				
			 

				
			 

				
			 

			
	
			 

				
			By: 

				/s/ Nedine P. Sutton	
			 

			
	
			 

				
			 

				
			Name: Nedine P. Sutton

			Title:   Vice President

				
			 

			
	
			 

				
			 

				
			 

				
			 

			

 

 

 

 

	
			 

				
			K. HOVNANIAN ENTERPRISES, INC.

				
			 

			
	
			 

				
			 

				
			 

				
			 

			
	
			 

				
			By: 

				/s/ J. Larry Sorsby	
			 

			
	
			 

				
			 

				
			Name:

				J. Larry Sorsby	
			 

			
	
			 

				
			 

				
			Title:   

				
			Executive Vice President and Chief

			Financial Officer

				
			 

			

 

 

	
			 

				
			HOVNANIAN ENTERPRISES, INC.

				
			 

			
	
			 

				
			 

				
			 

				
			 

			
	
			 

				
			 

				
			 

				
			 

			
	
			 

				
			By: 

				/s/ J. Larry Sorsby	
			 

			
	
			 

				
			 

				
			Name:

				J. Larry Sorsby	
			 

			
	
			 

				
			 

				
			Title:

				
			Executive Vice President and Chief

			Financial Officer

				
			 

			

 

	
			 

				
			K. HOV IP, II, Inc.

				
			 

			
	
			 

				
			 

				
			 

				
			 

			
	
			 

				
			 

				
			 

				
			 

			
	
			 

				
			By: 

				/s/ David Bachstetter	
			 

			
	
			 

				
			 

				
			Name:

				David Bachstetter	
			 

			
	
			 

				
			 

				
			Title:

				
			Chief Executive Officer and

			Treasurer

				
			 

			

 

	
			 

				
			On behalf of each other entity named in Schedule A

			hereto

				
			 

			
	
			 

				
			 

				
			 

				
			 

			
	
			 

				
			 

				
			 

				
			 

			
	
			 

				
			By: 

				/s/ J. Larry Sorsby	
			 

			
	
			 

				
			 

				
			Name:

				J. Larry Sorsby	
			 

			
	
			 

				
			 

				
			Title:

				
			Executive Vice President and Chief

			Financial Officer

				
			 

			

 

 

 

 

Schedule A

 

	
			Legal Entity Name

				
			State of 

			Formation

			
	
			K. HOVNANIAN AT 240 MISSOURI, LLC

				
			AZ

			
	
			K. HOVNANIAN AT AIRE ON MCDOWELL, LLC

				
			AZ

			
	
			K. HOVNANIAN AT CATANIA, LLC

				
			AZ

			
	
			K. HOVNANIAN AT GALLERY, LLC

				
			AZ

			
	
			K. HOVNANIAN AT MONTANA VISTA DOBBINS, LLC

				
			AZ

			
	
			K. HOVNANIAN AT MONTANA VISTA, LLC

				
			AZ

			
	
			K. HOVNANIAN AT PALM VALLEY, L.L.C.

				
			AZ

			
	
			K. HOVNANIAN AT PARK PASEO, LLC

				
			AZ

			
	
			K. HOVNANIAN AT POINTE 16, LLC

				
			AZ

			
	
			K. HOVNANIAN AT QUAIL CREEK, L.L.C.

				
			AZ

			
	
			K. HOVNANIAN AT RANCHO CABRILLO, LLC

				
			AZ

			
	
			K. HOVNANIAN AT SCOTTSDALE HEIGHTS, LLC

				
			AZ

			
	
			K. HOVNANIAN AT SIENNA HILLS, LLC

				
			AZ

			
	
			K. HOVNANIAN AT SILVERSTONE G, LLC

				
			AZ

			
	
			K. HOVNANIAN AT SILVERSTONE, LLC

				
			AZ

			
	
			K. HOVNANIAN AT SKYE ON MCDOWELL, LLC

				
			AZ

			
	
			K. HOVNANIAN AT SUNRISE TRAIL II, LLC

				
			AZ

			
	
			K. HOVNANIAN AT SUNRISE TRAIL III, LLC

				
			AZ

			
	
			K. HOVNANIAN AT THE MEADOWS 9, LLC

				
			AZ

			
	
			K. HOVNANIAN AT VENTANA LAKES, LLC

				
			AZ

			
	
			K. HOVNANIAN AT VERRADO CASCINA, LLC

				
			AZ

			
	
			K. HOVNANIAN AT VERRADO MARKETSIDE, LLC

				
			AZ

			
	
			K. HOVNANIAN AT VILLAGO, LLC

				
			AZ

			
	
			K. HOVNANIAN DEVELOPMENTS OF ARIZONA, INC.

				
			AZ

			
	
			K. HOVNANIAN GREAT WESTERN BUILDING COMPANY, LLC

				
			AZ

			
	
			K. HOVNANIAN GREAT WESTERN HOMES, LLC

				
			AZ

			
	
			K. HOVNANIAN LEGACY AT VIA BELLA, LLC

				
			AZ

			
	
			K. HOVNANIAN'S FOUR SEASONS AT THE MANOR II, LLC

				
			AZ

			
	
			K. HOVNANIAN'S FOUR SEASONS AT THE MANOR, LLC

				
			AZ

			
	
			NEW LAND TITLE AGENCY, L.L.C.

				
			AZ

			
	
			2700 EMPIRE, LLC

				
			CA

			
	
			K. HOV IP, II, INC.

				
			CA

			
	
			K. HOVNANIAN ASPIRE AT BELLEVUE RANCH, LLC

				
			CA

			
	
			K. HOVNANIAN AT 4S, LLC

				
			CA

			
	
			K. HOVNANIAN AT ALISO, LLC

				
			CA

			
	
			K. HOVNANIAN AT ANDALUSIA, LLC

				
			CA

			
	
			K. HOVNANIAN AT AVENUE ONE, L.L.C.

				
			CA

			

 

 

 

 

	Legal Entity Name	
			State of 

			Formation

			
	
			K. HOVNANIAN AT BAKERSFIELD 463, L.L.C.

				
			CA

			
	
			K. HOVNANIAN AT BEACON PARK AREA 129 II, LLC

				
			CA

			
	
			K. HOVNANIAN AT BEACON PARK AREA 129, LLC

				
			CA

			
	
			K. HOVNANIAN AT BEACON PARK AREA 137, LLC

				
			CA

			
	
			K. HOVNANIAN AT BELLA LAGO, LLC

				
			CA

			
	
			K. HOVNANIAN AT BLACKSTONE, LLC

				
			CA

			
	
			K. HOVNANIAN AT CAPISTRANO, L.L.C.

				
			CA

			
	
			K. HOVNANIAN AT CARLSBAD, LLC

				
			CA

			
	
			K. HOVNANIAN AT CEDAR LANE, LLC

				
			CA

			
	
			K. HOVNANIAN AT CHARTER WAY, LLC

				
			CA

			
	
			K. HOVNANIAN AT CIELO, L.L.C.

				
			CA

			
	
			K. HOVNANIAN AT COASTLINE, L.L.C.

				
			CA

			
	
			K. HOVNANIAN AT CORTEZ HILL, LLC

				
			CA

			
	
			K. HOVNANIAN AT CRESTVIEW, LLC

				
			CA

			
	
			K. HOVNANIAN AT EL DORADO RANCH II, L.L.C.

				
			CA

			
	
			K. HOVNANIAN AT EL DORADO RANCH, L.L.C.

				
			CA

			
	
			K. HOVNANIAN AT FIDDYMENT RANCH, LLC

				
			CA

			
	
			K. HOVNANIAN AT FRESNO, LLC

				
			CA

			
	
			K. HOVNANIAN AT GASLAMP SQUARE, L.L.C.

				
			CA

			
	
			K. HOVNANIAN AT GILROY 60, LLC

				
			CA

			
	
			K. HOVNANIAN AT GILROY, LLC

				
			CA

			
	
			K. HOVNANIAN AT JAEGER RANCH, LLC

				
			CA

			
	
			K. HOVNANIAN AT LA LAGUNA, L.L.C.

				
			CA

			
	
			K. HOVNANIAN AT LAKE RANCHO VIEJO, LLC

				
			CA

			
	
			K. HOVNANIAN AT LUNA VISTA, LLC

				
			CA

			
	
			K. HOVNANIAN AT MALAN PARK, L.L.C.

				
			CA

			
	
			K. HOVNANIAN AT MANTECA, LLC

				
			CA

			
	
			K. HOVNANIAN AT MELANIE MEADOWS, LLC

				
			CA

			
	
			K. HOVNANIAN AT MUIRFIELD, LLC

				
			CA

			
	
			K. HOVNANIAN AT PARKSIDE, LLC

				
			CA

			
	
			K. HOVNANIAN AT PAVILION PARK, LLC

				
			CA

			
	
			K. HOVNANIAN AT PIAZZA D'ORO, L.L.C.

				
			CA

			
	
			K. HOVNANIAN AT PIAZZA SERENA, L.L.C

				
			CA

			
	
			K. HOVNANIAN AT POSITANO, LLC

				
			CA

			
	
			K. HOVNANIAN AT PRADO, L.L.C.

				
			CA

			
	
			K. HOVNANIAN AT ROSEMARY LANTANA, L.L.C.

				
			CA

			
	
			K. HOVNANIAN AT SAGE, L.L.C.

				
			CA

			
	
			K. HOVNANIAN AT SANTA NELLA, LLC

				
			CA

			
	
			K. HOVNANIAN AT SHELDON GROVE, LLC

				
			CA

			
	
			K. HOVNANIAN AT SIERRA VISTA, LLC

				
			CA

			
	
			K. HOVNANIAN AT SKYE ISLE, LLC

				
			CA

			

 

 

 

 

	Legal Entity Name	
			State of 

			Formation

			
	
			K. HOVNANIAN AT STANTON, LLC

				
			CA

			
	
			K. HOVNANIAN AT SUMMERLY, LLC

				
			CA

			
	
			K. HOVNANIAN AT SUNRIDGE PARK, LLC

				
			CA

			
	
			K. HOVNANIAN AT THOMPSON RANCH, LLC

				
			CA

			
	
			K. HOVNANIAN AT TRAIL RIDGE, LLC

				
			CA

			
	
			K. HOVNANIAN AT VALLE DEL SOL, LLC

				
			CA

			
	
			K. HOVNANIAN AT VERONA ESTATES, LLC

				
			CA

			
	
			K. HOVNANIAN AT VICTORVILLE, L.L.C.

				
			CA

			
	
			K. HOVNANIAN AT VILLAGE CENTER, LLC

				
			CA

			
	
			K. HOVNANIAN AT VINEYARD HEIGHTS, LLC

				
			CA

			
	
			K. HOVNANIAN AT VISTA DEL SOL, L.L.C.

				
			CA

			
	
			K. HOVNANIAN AT WATERSTONE, LLC

				
			CA

			
	
			K. HOVNANIAN AT WEST VIEW ESTATES, L.L.C.

				
			CA

			
	
			K. HOVNANIAN AT WESTSHORE, LLC

				
			CA

			
	
			K. HOVNANIAN AT WHEELER RANCH, LLC

				
			CA

			
	
			K. HOVNANIAN AT WOODCREEK WEST, LLC

				
			CA

			
	
			K. HOVNANIAN COMMUNITIES, INC.

				
			CA

			
	
			K. HOVNANIAN COMPANIES OF CALIFORNIA, INC.

				
			CA

			
	
			K. HOVNANIAN COMPANIES OF SOUTHERN CALIFORNIA, INC.

				
			CA

			
	
			K. HOVNANIAN COMPANIES, LLC

				
			CA

			
	
			K. HOVNANIAN DEVELOPMENTS OF CALIFORNIA, INC.

				
			CA

			
	
			K. HOVNANIAN DEVELOPMENTS OF NEW JERSEY, INC.

				
			CA

			
	
			K. HOVNANIAN HOMES NORTHERN CALIFORNIA, INC.

				
			CA

			
	
			K. HOVNANIAN MEADOW VIEW AT MOUNTAIN HOUSE, LLC

				
			CA

			
	
			K. HOVNANIAN'S ASPIRE AT UNION VILLAGE, LLC

				
			CA

			
	
			K. HOVNANIAN'S FOUR SEASONS AT BAKERSFIELD, L.L.C.

				
			CA

			
	
			K. HOVNANIAN'S FOUR SEASONS AT BEAUMONT, LLC

				
			CA

			
	
			K. HOVNANIAN'S FOUR SEASONS AT HEMET, LLC

				
			CA

			
	
			K. HOVNANIAN'S FOUR SEASONS AT LOS BANOS, LLC

				
			CA

			
	
			K. HOVNANIAN'S FOUR SEASONS AT MORENO VALLEY, L.L.C.

				
			CA

			
	
			K. HOVNANIAN'S FOUR SEASONS AT PALM SPRINGS, LLC

				
			CA

			
	
			K. HOVNANIAN'S PARKSIDE AT TOWNGATE, L.L.C.

				
			CA

			
	
			K. HOVNANIAN'S VERANDA AT RIVERPARK II, LLC

				
			CA

			
	
			K. HOVNANIAN'S VERANDA AT RIVERPARK, LLC

				
			CA

			
	
			SEABROOK ACCUMULATION CORPORATION

				
			CA

			
	
			STONEBROOK HOMES, INC.

				
			CA

			
	
			K. HOVNANIAN DEVELOPMENTS OF D.C., INC.

				
			DC

			
	
			K. HOVNANIAN HOMES OF D.C., L.L.C.

				
			DC

			
	
			K. HOVNANIAN AT ASHBY PLACE, LLC

				
			DE

			

 

 

 

 

	Legal Entity Name	
			State of 

			Formation

			
	
			K. HOVNANIAN AT BRENFORD STATION, LLC

				
			DE

			
	
			K. HOVNANIAN AT HIDDEN BROOK, LLC

				
			DE

			
	
			K. HOVNANIAN AT MANSFIELD II, L.L.C.

				
			DE

			
	
			K. HOVNANIAN AT NORTH BRUNSWICK VI, L.L.C.

				
			DE

			
	
			K. HOVNANIAN AT NOTTINGHAM MEADOWS, LLC

				
			DE

			
	
			K. HOVNANIAN AT OCEAN VIEW BEACH CLUB, LLC

				
			DE

			
	
			K. HOVNANIAN AT PLANTATION LAKES, L.L.C.

				
			DE

			
	
			K. HOVNANIAN AT RETREAT AT MILLSTONE, LLC

				
			DE

			
	
			K. HOVNANIAN AT SEABROOK, LLC

				
			DE

			
	
			K. HOVNANIAN CENTRAL ACQUISITIONS, L.L.C.

				
			DE

			
	
			K. HOVNANIAN DEVELOPMENTS OF DELAWARE, INC.

				
			DE

			
	
			K. HOVNANIAN HAMPTONS AT OAK CREEK II, L.L.C.

				
			DE

			
	
			K. HOVNANIAN HOMES OF DELAWARE, L.L.C.

				
			DE

			
	
			K. HOVNANIAN HOMES OF LONGACRE VILLAGE, L.L.C.

				
			DE

			
	
			K. HOVNANIAN NORTH CENTRAL ACQUISITIONS, L.L.C.

				
			DE

			
	
			K. HOVNANIAN NORTH JERSEY ACQUISITIONS, L.L.C.

				
			DE

			
	
			K. HOVNANIAN SHORE ACQUISITIONS, L.L.C.

				
			DE

			
	
			K. HOVNANIAN SOUTH JERSEY ACQUISITIONS, L.L.C.

				
			DE

			
	
			K. HOVNANIAN'S FOUR SEASONS AT BAYMONT FARMS L.L.C.

				
			DE

			
	
			K. HOVNANIAN'S FOUR SEASONS AT BELLE TERRE, LLC

				
			DE

			
	
			K. HOVNANIAN'S FOUR SEASONS AT SILVER MAPLE FARM, L.L.C.

				
			DE

			
	
			KHH SHELL HALL LOAN ACQUISITION, LLC

				
			DE

			
	
			WASHINGTON HOMES, INC.

				
			DE

			
	
			WTC VENTURES, L.L.C.

				
			DE

			
	
			EASTERN NATIONAL TITLE AGENCY, LLC

				
			FL

			
	
			HOVNANIAN DEVELOPMENTS OF FLORIDA, INC.

				
			FL

			
	
			HOVNANIAN LAND INVESTMENT GROUP OF FLORIDA, L.L.C.

				
			FL

			
	
			K. HOVNANIAN AT BOCA DUNES, LLC

				
			FL

			
	
			K. HOVNANIAN AT CORAL LAGO, LLC

				
			FL

			
	
			K. HOVNANIAN AT HAMPTON COVE, LLC

				
			FL

			
	
			K. HOVNANIAN AT HILLTOP RESERVE II, LLC

				
			FL

			
	
			K. HOVNANIAN AT HILLTOP RESERVE, LLC

				
			FL

			
	
			K. HOVNANIAN AT LAKE BURDEN, LLC

				
			FL

			
	
			K. HOVNANIAN AT LAKE FLORENCE, LLC

				
			FL

			
	
			K. HOVNANIAN AT LAKE LECLARE, LLC

				
			FL

			
	
			K. HOVNANIAN AT PICKETT RESERVE, LLC

				
			FL

			
	
			K. HOVNANIAN AT REDTAIL, LLC

				
			FL

			
	
			K. HOVNANIAN AT SPRING ISLE, LLC

				
			FL

			
	
			K. HOVNANIAN AT SUMMERLAKE, LLC

				
			FL

			
	
			K. HOVNANIAN AT TERRA BELLA TWO, LLC

				
			FL

			

 

 

 

 

	Legal Entity Name	
			State of 

			Formation

			
	
			K. HOVNANIAN AT WALKERS GROVE, LLC

				
			FL

			
	
			K. HOVNANIAN BELMONT RESERVE, LLC

				
			FL

			
	
			K. HOVNANIAN CAMBRIDGE HOMES, L.L.C.

				
			FL

			
	
			K. HOVNANIAN CYPRESS KEY, LLC

				
			FL

			
	
			K. HOVNANIAN ESTATES AT WEKIVA, LLC

				
			FL

			
	
			K. HOVNANIAN FIRST HOMES, L.L.C.

				
			FL

			
	
			K. HOVNANIAN FLORIDA OLD GC, LLC

				
			FL

			
	
			K. HOVNANIAN FLORIDA REALTY, L.L.C.

				
			FL

			
	
			K. HOVNANIAN GRAND CYPRESS, LLC

				
			FL

			
	
			K. HOVNANIAN GRANDEFIELD, LLC

				
			FL

			
	
			K. HOVNANIAN LAKE GRIFFIN RESERVE, LLC

				
			FL

			
	
			K. HOVNANIAN MAGNOLIA AT WESTSIDE, LLC

				
			FL

			
	
			K. HOVNANIAN OSPREY RANCH, LLC

				
			FL

			
	
			K. HOVNANIAN PRESERVE AT TURTLE CREEK LLC

				
			FL

			
	
			K. HOVNANIAN REYNOLDS RANCH, LLC

				
			FL

			
	
			K. HOVNANIAN RIVERSIDE, LLC

				
			FL

			
	
			K. HOVNANIAN SOLA VISTA, LLC

				
			FL

			
	
			K. HOVNANIAN SOUTH FORK, LLC

				
			FL

			
	
			K. HOVNANIAN STERLING RANCH, LLC

				
			FL

			
	
			K. HOVNANIAN T&C HOMES AT FLORIDA, L.L.C.

				
			FL

			
	
			K. HOVNANIAN UNION PARK, LLC

				
			FL

			
	
			K. HOVNANIAN WINDING BAY PRESERVE, LLC

				
			FL

			
	
			K. HOVNANIAN WINDWARD HOMES, LLC

				
			FL

			
	
			KHOV WINDING BAY II, LLC

				
			FL

			
	
			K. HOVNANIAN AT THE COMMONS AT RICHMOND HILL, LLC

				
			GA

			
	
			K. HOVNANIAN AT WESTBROOK, LLC

				
			GA

			
	
			K. HOVNANIAN DEVELOPMENTS OF GEORGIA, INC.

				
			GA

			
	
			K. HOVNANIAN HOMES AT CREEKSIDE, LLC

				
			GA

			
	
			K. HOVNANIAN HOMES OF GEORGIA, L.L.C.

				
			GA

			
	
			ARBOR TRAILS, LLC

				
			IL

			
	
			EASTERN TITLE AGENCY OF ILLINOIS, LLC

				
			IL

			
	
			GLENRISE GROVE, L.L.C.

				
			IL

			
	
			K. HOVNANIAN AT ASHLEY POINTE LLC

				
			IL

			
	
			K. HOVNANIAN AT CHRISTINA COURT, LLC

				
			IL

			
	
			K. HOVNANIAN AT CHURCHILL FARMS LLC

				
			IL

			
	
			K. HOVNANIAN AT ESTATES OF FOX CHASE, LLC

				
			IL

			
	
			K. HOVNANIAN AT FAIRFIELD RIDGE, LLC

				
			IL

			
	
			K. HOVNANIAN AT HANOVER ESTATES, LLC

				
			IL

			
	
			K. HOVNANIAN AT ISLAND LAKE, LLC

				
			IL

			
	
			K. HOVNANIAN AT LINK FARM, LLC

				
			IL

			

 

 

 

 

	Legal Entity Name	
			State of 

			Formation

			
	
			K. HOVNANIAN AT MEADOWRIDGE VILLAS, LLC

				
			IL

			
	
			K. HOVNANIAN AT NORTHRIDGE ESTATES, LLC

				
			IL

			
	
			K. HOVNANIAN AT PRAIRIE POINTE, LLC

				
			IL

			
	
			K. HOVNANIAN AT SAGEBROOK, LLC

				
			IL

			
	
			K. HOVNANIAN AT SOMERSET, LLC

				
			IL

			
	
			K. HOVNANIAN AT TRAFFORD PLACE, LLC

				
			IL

			
	
			K. HOVNANIAN AT TRAMORE LLC

				
			IL

			
	
			K. HOVNANIAN DEVELOPMENTS OF ILLINOIS, INC.

				
			IL

			
	
			K. HOVNANIAN ESTATES AT REGENCY, L.L.C.

				
			IL

			
	
			K. HOVNANIAN T&C HOMES AT ILLINOIS, L.L.C.

				
			IL

			
	
			K. HOVNANIAN'S FOUR SEASONS AT BRIARGATE, LLC

				
			IL

			
	
			K. HOVNANIAN AT NORTON LAKE LLC

				
			IL

			
	
			FOUNDERS TITLE AGENCY OF MARYLAND, L.L.C.

				
			MD

			
	
			HOMEBUYERS FINANCIAL SERVICES, L.L.C.

				
			MD

			
	
			HOVNANIAN LAND INVESTMENT GROUP OF MARYLAND, L.L.C.

				
			MD

			
	
			HOVNANIAN LAND INVESTMENT GROUP, L.L.C.

				
			MD

			
	
			K HOVNANIAN HOMES AT MAXWELL PLACE, L.L.C.

				
			MD

			
	
			K. HOVNANIAN AT CATON'S RESERVE, LLC

				
			MD

			
	
			K. HOVNANIAN AT EDEN TERRACE, L.L.C.

				
			MD

			
	
			K. HOVNANIAN AT RODERUCK, L.L.C.

				
			MD

			
	
			K. HOVNANIAN COMPANIES OF MARYLAND, INC.

				
			MD

			
	
			K. HOVNANIAN DEVELOPMENTS OF MARYLAND, INC.

				
			MD

			
	
			K. HOVNANIAN HOMES AT CAMP SPRINGS, L.L.C.

				
			MD

			
	
			K. HOVNANIAN HOMES AT GREENWAY FARM PARK TOWNS, L.L.C.

				
			MD

			
	
			K. HOVNANIAN HOMES AT GREENWAY FARM, L.L.C.

				
			MD

			
	
			K. HOVNANIAN HOMES AT JONES STATION 1, L.L.C.

				
			MD

			
	
			K. HOVNANIAN HOMES AT RUSSETT, L.L.C.

				
			MD

			
	
			K. HOVNANIAN HOMES AT THE HIGHLANDS, LLC

				
			MD

			
	
			K. HOVNANIAN HOMES OF MARYLAND, L.L.C.

				
			MD

			
	
			K. HOVNANIAN'S FOUR SEASONS AT KENT ISLAND CONDOMINIUMS, L.L.C.

				
			MD

			
	
			K. HOVNANIAN'S FOUR SEASONS AT KENT ISLAND, L.L.C.

				
			MD

			
	
			K. HOVNANIAN'S FOUR SEASONS AT ST. MARGARETS LANDING, L.L.C.

				
			MD

			
	
			PINE AYR, LLC

				
			MD

			
	
			RIDGEMORE UTILITY L.L.C.

				
			MD

			
	
			K. HOVNANIAN DEVELOPMENTS OF MINNESOTA, INC.

				
			MN

			
	
			K. HOVNANIAN HOMES OF MINNESOTA AT ARBOR CREEK, LLC

				
			MN

			

 

 

 

 

	Legal Entity Name	
			State of 

			Formation

			
	
			K. HOVNANIAN HOMES OF MINNESOTA AT AUTUMN MEADOWS, LLC

				
			MN

			
	
			K. HOVNANIAN HOMES OF MINNESOTA AT BRYNWOOD, LLC

				
			MN

			
	
			K. HOVNANIAN HOMES OF MINNESOTA AT CEDAR HOLLOW, LLC

				
			MN

			
	
			K. HOVNANIAN HOMES OF MINNESOTA AT FOUNDER'S RIDGE, LLC

				
			MN

			
	
			K. HOVNANIAN HOMES OF MINNESOTA AT HARPERS STREET WOODS, LLC

				
			MN

			
	
			K. HOVNANIAN HOMES OF MINNESOTA AT OAKS OF OXBOW, LLC

				
			MN

			
	
			K. HOVNANIAN HOMES OF MINNESOTA AT REGENT'S POINT, LLC

				
			MN

			
	
			K. HOVNANIAN HOMES OF MINNESOTA, L.L.C.

				
			MN

			
	
			K. HOVNANIAN LIBERTY ON BLUFF CREEK, LLC

				
			MN

			
	
			K. HOVNANIAN TIMBRES AT ELM CREEK, LLC

				
			MN

			
	
			K. HOVNANIAN'S FOUR SEASONS AT RUSH CREEK II, LLC

				
			MN

			
	
			K. HOVNANIAN'S FOUR SEASONS AT RUSH CREEK, L.L.C.

				
			MN

			
	
			K. HOVNANIAN AT BURCH KOVE, LLC

				
			NC

			
	
			K. HOVNANIAN AT INDIAN WELLS, LLC

				
			NC

			
	
			K. HOVNANIAN AT LILY ORCHARD, LLC

				
			NC

			
	
			K. HOVNANIAN AT MAIN STREET SQUARE, LLC

				
			NC

			
	
			K. HOVNANIAN AT OAK POINTE, LLC

				
			NC

			
	
			K. HOVNANIAN AT THE PROMENADE AT BEAVER CREEK, LLC

				
			NC

			
	
			K. HOVNANIAN AT WHEELER WOODS, LLC

				
			NC

			
	
			K. HOVNANIAN DEVELOPMENTS OF NORTH CAROLINA, INC.

				
			NC

			
	
			K. HOVNANIAN HOMES AT BROOK MANOR, LLC

				
			NC

			
	
			K. HOVNANIAN HOMES AT REEDY CREEK, LLC

				
			NC

			
	
			K. HOVNANIAN HOMES OF NORTH CAROLINA, INC.

				
			NC

			
	
			K. HOVNANIAN SHERWOOD AT REGENCY, LLC

				
			NC

			
	
			BUILDER SERVICES NJ, L.L.C.

				
			NJ

			
	
			EASTERN TITLE AGENCY, INC.

				
			NJ

			
	
			F&W MECHANICAL SERVICES, L.L.C.

				
			NJ

			
	
			HILLTOP AT CEDAR GROVE URBAN RENEWAL, LLC

				
			NJ

			
	
			K. HOVNANIAN ACQUISITIONS, INC.

				
			NJ

			
	
			K. HOVNANIAN AT ASBURY PARK URBAN RENEWAL, LLC

				
			NJ

			
	
			K. HOVNANIAN AT BARNEGAT II, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT BRANCHBURG II, LLC

				
			NJ

			
	
			K. HOVNANIAN AT BRANCHBURG, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT BRANCHBURG-VOLLERS, LLC

				
			NJ

			
	
			K. HOVNANIAN AT BRIDGEWATER I, L.L.C.

				
			NJ

			

 

 

 

 

	Legal Entity Name	
			State of 

			Formation

			
	
			K. HOVNANIAN AT CEDAR GROVE III, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT CHESTERFIELD, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT DEPTFORD TOWNSHIP, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT DUNELLEN URBAN RENEWAL, LLC

				
			NJ

			
	
			K. HOVNANIAN AT EAST BRUNSWICK III, LLC

				
			NJ

			
	
			K. HOVNANIAN AT EAST BRUNSWICK, LLC

				
			NJ

			
	
			K. HOVNANIAN AT EAST WINDSOR, LLC

				
			NJ

			
	
			K. HOVNANIAN AT EDGEWATER II, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT EDGEWATER, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT EGG HARBOR TOWNSHIP II, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT FIFTH AVENUE, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT FLORENCE I, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT FLORENCE II, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT FOREST MEADOWS, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT FRANKLIN II, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT FRANKLIN, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT FREEHOLD TOWNSHIP III, LLC

				
			NJ

			
	
			K. HOVNANIAN AT GREAT NOTCH, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT HACKETTSTOWN II, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT HILLSBOROUGH, LLC

				
			NJ

			
	
			K. HOVNANIAN AT HOWELL FORT PLAINS, LLC

				
			NJ

			
	
			K. HOVNANIAN AT HOWELL II, LLC

				
			NJ

			
	
			K. HOVNANIAN AT HOWELL, LLC

				
			NJ

			
	
			K. HOVNANIAN AT HUDSON POINTE, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT JACKSON I, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT JACKSON, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT JERSEY CITY IV, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT KEYPORT, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT LITTLE EGG HARBOR TOWNSHIP II, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT LITTLE EGG HARBOR, L.L.C

				
			NJ

			
	
			K. HOVNANIAN AT MANALAPAN CROSSING, LLC

				
			NJ

			
	
			K. HOVNANIAN AT MANALAPAN II, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT MANALAPAN III, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT MANALAPAN V, LLC

				
			NJ

			
	
			K. HOVNANIAN AT MANALAPAN VI, LLC

				
			NJ

			
	
			K. HOVNANIAN AT MAPLE AVENUE, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT MARLBORO TOWNSHIP IX, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT MARLBORO TOWNSHIP V, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT MARLBORO VI, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT MENDHAM TOWNSHIP, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT MIDDLE TOWNSHIP II, L.L.C.

				
			NJ

			

 

 

 

 

	Legal Entity Name	
			State of 

			Formation

			
	
			K. HOVNANIAN AT MIDDLETOWN III, LLC

				
			NJ

			
	
			K. HOVNANIAN AT MILLVILLE I, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT MILLVILLE II, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT MONROE IV, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT MONROE NJ II, LLC

				
			NJ

			
	
			K. HOVNANIAN AT MONROE NJ III, LLC

				
			NJ

			
	
			K. HOVNANIAN AT MONROE NJ, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT MONTGOMERY, LLC

				
			NJ

			
	
			K. HOVNANIAN AT MONTVALE II, LLC

				
			NJ

			
	
			K. HOVNANIAN AT MONTVALE, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT MORRIS TWP, LLC

				
			NJ

			
	
			K. HOVNANIAN AT NORTH BERGEN. L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT NORTH CALDWELL II, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT NORTH CALDWELL III, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT NORTH CALDWELL IV, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT NORTH WILDWOOD, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT NORTHFIELD, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT OAKLAND, LLC

				
			NJ

			
	
			K. HOVNANIAN AT OCEANPORT, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT OLD BRIDGE II, LLC

				
			NJ

			
	
			K. HOVNANIAN AT OLD BRIDGE, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT PARSIPPANY, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT PORT IMPERIAL URBAN RENEWAL V, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT PORT IMPERIAL URBAN RENEWAL VIII, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT RIDGEMONT, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT ROCK LEDGE, LLC

				
			NJ

			
	
			K. HOVNANIAN AT SHREWSBURY, LLC

				
			NJ

			
	
			K. HOVNANIAN AT SMITHVILLE, INC.

				
			NJ

			
	
			K. HOVNANIAN AT SOUTH BRUNSWICK II, LLC

				
			NJ

			
	
			K. HOVNANIAN AT SOUTH BRUNSWICK III, LLC

				
			NJ

			
	
			K. HOVNANIAN AT SOUTH BRUNSWICK IV, LLC

				
			NJ

			
	
			K. HOVNANIAN AT STATION SQUARE, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT THE MONARCH, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT VERONA URBAN RENEWAL, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT VILLAGES AT COUNTRY VIEW, LLC

				
			NJ

			
	
			K. HOVNANIAN AT WALL DONATO, LLC

				
			NJ

			
	
			K. HOVNANIAN AT WALL QUAIL RIDGE, LLC

				
			NJ

			
	
			K. HOVNANIAN AT WARREN TOWNSHIP II, LLC

				
			NJ

			
	
			K. HOVNANIAN AT WARREN TOWNSHIP, L.L.C.

				
			NJ

			

 

 

 

 

	Legal Entity Name	
			State of 

			Formation

			
	
			K. HOVNANIAN AT WILDWOOD BAYSIDE, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN AT WOOLWICH I, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN CONSTRUCTION II, INC

				
			NJ

			
	
			K. HOVNANIAN CONSTRUCTION III, INC

				
			NJ

			
	
			K. HOVNANIAN CONSTRUCTION MANAGEMENT, INC.

				
			NJ

			
	
			K. HOVNANIAN HOLDINGS NJ, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN MANALAPAN ACQUISITION, LLC

				
			NJ

			
	
			K. HOVNANIAN NORTHEAST SERVICES, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN PORT IMPERIAL URBAN RENEWAL, INC.

				
			NJ

			
	
			K. HOVNANIAN PROPERTIES OF RED BANK, LLC

				
			NJ

			
	
			K. HOVNANIAN SOUTHERN NEW JERSEY, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN VENTURE I, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN'S FOUR SEASONS AT BELLA VISTA, LLC

				
			NJ

			
	
			K. HOVNANIAN'S FOUR SEASONS AT COLTS FARM, LLC

				
			NJ

			
	
			LANDARAMA, INC.

				
			NJ

			
	
			M & M AT MONROE WOODS, L.L.C.

				
			NJ

			
	
			M&M AT CHESTERFIELD, L.L.C.

				
			NJ

			
	
			M&M AT CRESCENT COURT, L.L.C.

				
			NJ

			
	
			M&M AT WEST ORANGE, L.L.C.

				
			NJ

			
	
			MATZEL & MUMFORD AT EGG HARBOR, L.L.C.

				
			NJ

			
	
			MCNJ, INC.

				
			NJ

			
	
			MM-BEACHFRONT NORTH I, LLC

				
			NJ

			
	
			ROUTE 1 AND ROUTE 522, L.L.C.

				
			NJ

			
	
			TERRAPIN REALTY, L.L.C.

				
			NJ

			
	
			THE MATZEL & MUMFORD ORGANIZATION, INC

				
			NJ

			
	
			K. HOVNANIAN AT WALDWICK, LLC

				
			NJ

			
	
			K. HOVNANIAN CLASSICS, L.L.C.

				
			NJ

			
	
			K. HOVNANIAN COMPANIES OF NEW YORK, INC.

				
			NY

			
	
			K. HOVNANIAN DEVELOPMENTS OF NEW YORK, INC.

				
			NY

			
	
			K. HOVNANIAN ABERDEEN, LLC

				
			OH

			
	
			K. HOVNANIAN ASBURY POINTE, LLC

				
			OH

			
	
			K. HOVNANIAN BELDEN POINTE, LLC

				
			OH

			
	
			K. HOVNANIAN CORNERSTONE FARMS, LLC

				
			OH

			
	
			K. HOVNANIAN DEVELOPMENTS OF OHIO, INC.

				
			OH

			
	
			K. HOVNANIAN EDGEBROOK, LLC

				
			OH

			
	
			K. HOVNANIAN FALLS POINTE, LLC

				
			OH

			
	
			K. HOVNANIAN FOREST VALLEY, LLC

				
			OH

			
	
			K. HOVNANIAN FOUR SEASONS AT CHESTNUT RIDGE, LLC

				
			OH

			
	
			K. HOVNANIAN HIDDEN HOLLOW, LLC

				
			OH

			
	
			K. HOVNANIAN HIGHLAND RIDGE, LLC

				
			OH

			
	
			K. HOVNANIAN INDIAN TRAILS, LLC

				
			OH

			

 

 

 

 

	Legal Entity Name	
			State of 

			Formation

			
	
			K. HOVNANIAN LADUE RESERVE, LLC

				
			OH

			
	
			K. HOVNANIAN LAKES OF GREEN, LLC

				
			OH

			
	
			K. HOVNANIAN LANDINGS 40S, LLC

				
			OH

			
	
			K. HOVNANIAN MONARCH GROVE, LLC

				
			OH

			
	
			K. HOVNANIAN NORTHPOINTE 40S, LLC

				
			OH

			
	
			K. HOVNANIAN NORTON PLACE, LLC

				
			OH

			
	
			K. HOVNANIAN OF OHIO, LLC

				
			OH

			
	
			K. HOVNANIAN OHIO REALTY, L.L.C.

				
			OH

			
	
			K. HOVNANIAN RIVENDALE, LLC

				
			OH

			
	
			K. HOVNANIAN SCHADY RESERVE, LLC

				
			OH

			
	
			K. HOVNANIAN SUMMIT HOMES, L.L.C.

				
			OH

			
	
			K. HOVNANIAN VILLAGE GLEN, LLC

				
			OH

			
	
			K. HOVNANIAN WATERBURY, LLC

				
			OH

			
	
			K. HOVNANIAN WHITE ROAD, LLC

				
			OH

			
	
			K. HOVNANIAN WOODLAND POINTE, LLC

				
			OH

			
	
			MIDWEST BUILDING PRODUCTS & CONTRACTOR SERVICES, L.L.C.

				
			OH

			
	
			NEW HOME REALTY, LLC

				
			OH

			
	
			K. HOVNANIAN CONTRACTORS OF OHIO, LLC

				
			OH

			
	
			K. HOVNANIAN WOODRIDGE PLACE, LLC

				
			OH

			
	
			BUILDER SERVICES PA, L.L.C.

				
			PA

			
	
			GOVERNOR'S ABSTRACT CO., INC.

				
			PA

			
	
			K. HOVNANIAN AT ALLENTOWN, L.L.C.

				
			PA

			
	
			K. HOVNANIAN AT CAMP HILL, L.L.C.

				
			PA

			
	
			K. HOVNANIAN AT DOYLESTOWN, LLC

				
			PA

			
	
			K. HOVNANIAN AT HERSHEY'S MILL, INC.

				
			PA

			
	
			K. HOVNANIAN AT LOWER MACUNGIE TOWNSHIP I, L.L.C.

				
			PA

			
	
			K. HOVNANIAN AT LOWER MACUNGIE TOWNSHIP II, L.L.C.

				
			PA

			
	
			K. HOVNANIAN AT LOWER MAKEFIELD TOWNSHIP I, L.L.C.

				
			PA

			
	
			K. HOVNANIAN AT LOWER MORELAND II, L.L.C.

				
			PA

			
	
			K. HOVNANIAN AT MIDDLETOWN, LLC

				
			PA

			
	
			K. HOVNANIAN AT NORTHAMPTON, L.L.C.

				
			PA

			
	
			K. HOVNANIAN AT RAPHO, L.L.C

				
			PA

			
	
			K. HOVNANIAN AT SAWMILL, INC.

				
			PA

			
	
			K. HOVNANIAN AT SILVER SPRING, L.L.C.

				
			PA

			
	
			K. HOVNANIAN AT UPPER UWCHLAN II, L.L.C.

				
			PA

			
	
			K. HOVNANIAN AT UPPER UWCHLAN, L.L.C.

				
			PA

			
	
			K. HOVNANIAN AT WHITEMARSH, LLC

				
			PA

			
	
			K. HOVNANIAN DEVELOPMENTS OF PENNSYLVANIA, INC.

				
			PA

			
	
			K. HOVNANIAN EASTERN PENNSYLVANIA, L.L.C.

				
			PA

			
	
			K. HOVNANIAN HOMES OF PENNSYLVANIA, L.L.C.

				
			PA

			

 

 

 

 

	Legal Entity Name	
			State of 

			Formation

			
	
			K. HOVNANIAN PA REAL ESTATE, INC.

				
			PA

			
	
			K. HOVNANIAN PENNSYLVANIA ACQUISITIONS, L.L.C.

				
			PA

			
	
			K. HOVNANIAN SUMMIT HOMES OF PENNSYLVANIA, L.L.C.

				
			PA

			
	
			MIDWEST BUILDING PRODUCTS & CONTRACTOR SERVICES OF PENNSYLVANIA, L.L.C.

				
			PA

			
	
			K. HOVNANIAN AT UPPER PROVIDENCE, LLC

				
			PA

			
	
			K. HOVNANIAN AT COOSAW POINT, LLC

				
			SC

			
	
			K. HOVNANIAN AT FOX PATH AT HAMPTON LAKE, LLC

				
			SC

			
	
			K. HOVNANIAN AT HAMPTON LAKE, LLC

				
			SC

			
	
			K. HOVNANIAN AT LIBERTY HILL FARM, LLC

				
			SC

			
	
			K. HOVNANIAN AT MAGNOLIA PLACE, LLC

				
			SC

			
	
			K. HOVNANIAN CRAFTBUILT HOMES OF SOUTH CAROLINA, L.L.C.

				
			SC

			
	
			K. HOVNANIAN DEVELOPMENTS OF SOUTH CAROLINA, INC.

				
			SC

			
	
			K. HOVNANIAN HOMES AT SALT CREEK LANDING, LLC

				
			SC

			
	
			K. HOVNANIAN HOMES AT SHELL HALL, LLC

				
			SC

			
	
			K. HOVNANIAN HOMES AT ST. JAMES PLACE, LLC

				
			SC

			
	
			K. HOVNANIAN HOMES AT THE ABBY, LLC

				
			SC

			
	
			K. HOVNANIAN HOMES AT THE PADDOCKS, LLC

				
			SC

			
	
			K. HOVNANIAN HOMES OF SOUTH CAROLINA, LLC

				
			SC

			
	
			SHELL HALL CLUB AMENITY ACQUISITION, LLC

				
			SC

			
	
			SHELL HALL LAND ACQUISITION, LLC

				
			SC

			
	
			K. HOVNANIAN DEVELOPMENTS OF TEXAS, INC.

				
			TX

			
	
			K. HOVNANIAN DFW AUBURN FARMS, LLC

				
			TX

			
	
			K. HOVNANIAN DFW BELMONT, LLC

				
			TX

			
	
			K. HOVNANIAN DFW BLUFF CREEK, LLC

				
			TX

			
	
			K. HOVNANIAN DFW CREEKSIDE ESTATES II, LLC

				
			TX

			
	
			K. HOVNANIAN DFW ENCORE OF LAS COLINAS II, LLC

				
			TX

			
	
			K. HOVNANIAN DFW ENCORE OF LAS COLINAS, LLC

				
			TX

			
	
			K. HOVNANIAN DFW HARMON FARMS, LLC

				
			TX

			
	
			K. HOVNANIAN DFW HERITAGE CROSSING, LLC

				
			TX

			
	
			K. HOVNANIAN DFW HOMESTEAD, LLC

				
			TX

			
	
			K. HOVNANIAN DFW INSPIRATION, LLC

				
			TX

			
	
			K. HOVNANIAN DFW LEXINGTON, LLC

				
			TX

			
	
			K. HOVNANIAN DFW LIBERTY CROSSING II, LLC

				
			TX

			
	
			K. HOVNANIAN DFW LIBERTY CROSSING, LLC

				
			TX

			
	
			K. HOVNANIAN DFW LIBERTY, LLC

				
			TX

			
	
			K. HOVNANIAN DFW LIGHT FARMS II, LLC

				
			TX

			
	
			K. HOVNANIAN DFW LIGHT FARMS, LLC

				
			TX

			
	
			K. HOVNANIAN DFW MIDTOWN PARK, LLC

				
			TX

			
	
			K. HOVNANIAN DFW PALISADES, LLC

				
			TX

			
	
			K. HOVNANIAN DFW PARKSIDE, LLC

				
			TX

			

 

 

 

 

	Legal Entity Name	
			State of 

			Formation

			
	
			K. HOVNANIAN DFW RIDGEVIEW, LLC

				
			TX

			
	
			K. HOVNANIAN DFW SANFORD PARK, LLC

				
			TX

			
	
			K. HOVNANIAN DFW SEVENTEEN LAKES, LLC

				
			TX

			
	
			K. HOVNANIAN DFW THE PARKS AT ROSEHILL, LLC

				
			TX

			
	
			K. HOVNANIAN DFW TRAILWOOD II, LLC

				
			TX

			
	
			K. HOVNANIAN DFW TRAILWOOD, LLC

				
			TX

			
	
			K. HOVNANIAN DFW VILLAS AT MUSTANG PARK, LLC

				
			TX

			
	
			K. HOVNANIAN DFW VILLAS AT THE STATION, LLC

				
			TX

			
	
			K. HOVNANIAN DFW WELLINGTON, LLC

				
			TX

			
	
			K. HOVNANIAN DFW WELLINGTON VILLAS, LLC

				
			TX

			
	
			K. HOVNANIAN DFW WILDRIDGE, LLC

				
			TX

			
	
			K. HOVNANIAN HOMES - DFW, L.L.C.

				
			TX

			
	
			K. HOVNANIAN HOUSTON BAYOU OAKS AT WEST OREM, LLC

				
			TX

			
	
			K. HOVNANIAN HOUSTON CAMBRIDGE HEIGHTS, LLC

				
			TX

			
	
			K. HOVNANIAN HOUSTON CITY HEIGHTS, LLC

				
			TX

			
	
			K. HOVNANIAN HOUSTON CREEK BEND, LLC

				
			TX

			
	
			K. HOVNANIAN HOUSTON DRY CREEK VILLAGE, LLC

				
			TX

			
	
			K. HOVNANIAN HOUSTON KATY POINTE, LLC

				
			TX

			
	
			K. HOVNANIAN HOUSTON PROPERTY I, LLC

				
			TX

			
	
			K. HOVNANIAN HOUSTON PROPERTY II, LLC

				
			TX

			
	
			K. HOVNANIAN HOUSTON RIVER FARMS, LLC

				
			TX

			
	
			K. HOVNANIAN HOUSTON SUNSET RANCH, LLC

				
			TX

			
	
			K. HOVNANIAN HOUSTON TERRA DEL SOL, LLC

				
			TX

			
	
			K. HOVNANIAN HOUSTON THUNDER BAY SUBDIVISION, LLC

				
			TX

			
	
			K. HOVNANIAN HOUSTON TRANQUILITY LAKE ESTATES, LLC

				
			TX

			
	
			K. HOVNANIAN HOUSTON WOODSHORE, LLC

				
			TX

			
	
			K. HOVNANIAN OF HOUSTON II, L.L.C.

				
			TX

			
	
			PARK TITLE COMPANY, LLC

				
			TX

			
	
			K. HOVNANIAN DFW CREEKSIDE ESTATES, LLC

				
			TX

			
	
			FOUNDERS TITLE AGENCY, INC.

				
			VA

			
	
			K. HOCNANIAN AT ALEXANDER LAKES, LLC

				
			VA

			
	
			K. HOVNANIAN AT EMBREY MILL VILLAGE, LLC

				
			VA

			
	
			K. HOVNANIAN AT ESTATES AT WHEATLANDS, LLC

				
			VA

			
	
			K. HOVNANIAN AT HOLLY RIDGE, LLC

				
			VA

			
	
			K. HOVNANIAN AT JACKS RUN, LLC

				
			VA

			
	
			K. HOVNANIAN AT LAKE RIDGE ESTATES, LLC

				
			VA

			
	
			K. HOVNANIAN AT LEE SQUARE, L.L.C.

				
			VA

			
	
			K. HOVNANIAN AT LENAH WOODS, LLC

				
			VA

			
	
			K. HOVNANIAN AT RESERVES AT WHEATLANDS, LLC

				
			VA

			

 

 

 

 

	Legal Entity Name	
			State of 

			Formation

			
	
			K. HOVNANIAN AT RESIDENCE AT DISCOVERY SQUARE, LLC

				
			VA

			
	
			K. HOVNANIAN AT ROCKLAND VILLAGE GREEN, LLC

				
			VA

			
	
			K. HOVNANIAN AT SEASONS LANDING, LLC

				
			VA

			
	
			K. HOVNANIAN AT SIGNAL HILL, LLC

				
			VA

			
	
			K. HOVNANIAN AT TOWNES AT COUNTY CENTER, LLC

				
			VA

			
	
			K. HOVNANIAN DEVELOPMENTS OF VIRGINIA, INC.

				
			VA

			
	
			K. HOVNANIAN HOMES AT BURKE JUNCTION, LLC

				
			VA

			
	
			K. HOVNANIAN HOMES AT LEIGH MILL, LLC

				
			VA

			
	
			K. HOVNANIAN HOMES AT PENDER OAKS, LLC

				
			VA

			
	
			K. HOVNANIAN HOMES AT THOMPSON'S GRANT, LLC

				
			VA

			
	
			K. HOVNANIAN HOMES AT WILLOWSFORD GRANT II, LLC

				
			VA

			
	
			K. HOVNANIAN HOMES AT WILLOWSFORD GRANT, LLC

				
			VA

			
	
			K. HOVNANIAN HOMES AT WILLOWSFORD GREENS, LLC

				
			VA

			
	
			K. HOVNANIAN HOMES OF VIRGINIA, INC.

				
			VA

			
	
			K. HOVNANIAN SUMMIT HOLDINGS, L.L.C.

				
			VA

			
	
			K. HOVNANIAN'S FOUR SEASONS AT NEW KENT VINEYARDS, L.L.C.

				
			VA

			
	
			K. HOVNANIAN'S FOUR SEASONS AT VIRGINIA CROSSING, LLC

				
			VA

			
	
			K. HOVNANIAN AT HUNTFIELD, LLC

				
			WV

			
	
			K. HOVNANIAN DEVELOPMENTS OF WEST VIRGINIA, INC.

				
			WV

			
	
			K. HOVNANIAN HOMES AT SHENANDOAH SPRINGS, LLC

				
			WV

			
	
			K. HOVNANIAN HOMES OF WEST VIRGINIA, L.L.C.

				
			WV

			
	
			K. HOVNANIAN SUMMIT HOMES OF WEST VIRGINIA, L.L.C.

				
			WV

			
	
			MIDWEST BUILDING PRODUCTS & CONTRACTOR SERVICES OF WEST VIRGINIA, L.L.C.

				
			WVEX-10.1

 Exhibit 10.1 

EXECUTION VERSION 

TRANSITION AND GENERAL RELEASE AGREEMENT 

This Transition and General Release Agreement (“Agreement”) made as of January 16, 2019, but effective as of October 30,
2018 (the “Effective Date”), by and among J. Tyler Haahr (“Executive”), an individual; Meta Financial Group, Inc., a Delaware corporation (“Meta Financial”); and MetaBank, a federally chartered savings bank (Meta
Financial and MetaBank are each referred to herein as the “Company”). 
 WHEREAS, Company and Executive have mutually determined
to terminate Executive’s employment with Company according to the terms of this Agreement; and 
 WHEREAS, the purpose of this Agreement
is to set forth the terms of Executive’s termination, in accordance with the provisions of that certain Employment Agreement, dated as of October 1, 2016, by and between Executive and the Company (the “Employment Agreement”).

 NOW, THEREFORE, in consideration of the covenants undertaken and the releases contained in this Agreement, Executive and Company agree as
follows: 
 1. TRANSITION. Effective as of the Effective Date, Executive stepped down from his position as Chief Executive Officer of
the Company. During the period from the Effective Date until the Company’s 2019 annual meeting of stockholders (the “Annual Meeting,” and such period, the “Transition Period”), Executive shall be the Non-Executive Chairman of the Board of Directors of Meta Financial (the “Board”) and the Non-Executive Chairman of the Board of Directors of MetaBank. During the
Transition Period, the Company’s Chief Executive Officer shall not report to Executive. Executive shall remain an employee of the Company during the Transition Period, with such duties and responsibilities as may be reasonably requested by the
Board or the Company’s Chief Executive Officer (which may include, but not be limited to, assistance with respect to the transition of the Chief Executive Officer role). Absent a specific written request from the Board or the Company’s
Chief Executive Officer to the contrary, Executive shall not be required to work more than forty (40) hours per month, at mutually agreeable times, during the Transition Period. Executive will continue to receive his salary and employee
benefits, as in effect as of the Effective Date, during the Transition Period. Effective as of the date of the Annual Meeting (the “Separation Date”), Executive’s employment with the Company shall terminate. Effective as of the
Separation Date and in accordance with Section 3(d) of the Employment Agreement, Executive shall be deemed to have resigned from his position as (i) Non-Executive Chairman of the Board,
(ii) director of Meta Financial, (iii) Non-Executive Chairman of the Board of Directors of MetaBank, (iv) director of MetaBank, and (v) any and all other offices or positions with Meta
Financial, MetaBank or any of their respective affiliates, in each case concurrent with the termination of Executive’s employment. Executive shall not be re-nominated for election as a director of Meta
Financial at the Annual Meeting. 
 2. SEPARATION BENEFITS. In accordance with Section 6(c) of the Employment Agreement and subject to
(i) Executive’s execution and non-revocation of this Agreement, (ii) Executive’s execution and non-revocation of a supplemental release agreement in
a form substantially similar to the release attached as Exhibit A hereto, to be entered within thirty (30) 

 
days following the Separation Date (such supplemental release, the “Supplemental Release”) and (iii) Executive’s continued compliance with the terms of this Agreement and the
Employment Agreement, Executive will be entitled to the following payments and benefits (collectively, the “Severance Benefits”): 
  

	 	a)	 $5,000,000 (the “Separation Pay”), paid in a single lump sum payment, less standard withholding and
deductions elected by Executive or required by applicable law, on the first pay period at least eight (8) days after the Company’s receipt of the executed Supplemental Release, provided Executive does not revoke Executive’s acceptance
of this Agreement as provided herein and does not revoke the Supplemental Release; 

  

	 	b)	 As of the Separation Date (i) each share of outstanding restricted stock held by Executive and set forth
on Exhibit B (attached hereto), which represents all outstanding equity compensation awards that were intended to constitute performance-based compensation under Section 162(m)(4)(C) of the Internal Revenue Code of 1986, as amended (the
“Code”), and that otherwise were scheduled to vest in a year subsequent to fiscal year 2019, shall remain outstanding and fully vest upon satisfaction of the applicable performance requirements underlying such awards notwithstanding any
service requirement, and (ii) each share of outstanding restricted stock held by Executive and set forth on Exhibit C (attached hereto), which represents all outstanding equity compensation awards that are not intended to qualify as
performance-based compensation under Section 162(m)(4)(C) of the Code, shall become vested in full; and 

  

	 	c)	 Payment of the premiums required to continue Executive’s group health care coverage (i.e. medical, dental
and vision, to the extent applicable) for a period of up to eighteen (18) months following the Separation Date, under the applicable provisions of the Consolidated Omnibus Budget Reconciliation Act of 1985, as amended (“COBRA”),
provided that Executive elects to continue and remains eligible for these benefits under COBRA, and does not become eligible for such health coverage through another employer during this period; provided further, that, if Company determines, in its
sole discretion, that the payment of the COBRA premiums would result in a violation of the nondiscrimination rules under Section 105(h) of the Code or of any statute or regulation of similar effect or other adverse tax or legal consequences to
Company, then the parties agree to take such reasonable best efforts to reform this Section 2(c) in such manner as is necessary as to not violate the nondiscrimination rules under Section 105(h) of the Code or of any statute or regulation
of similar effect or cause such adverse consequences. 

 Notwithstanding anything in this Agreement to the contrary,
nothing in this Agreement shall prevent Executive from being entitled to any payments in respect of any accrued but unused vacation or paid time off, in each case pursuant to the applicable Company plan, policy or arrangement as then in effect. 

  
 2 

 3. COOPERATION. From and after the Separation Date, Executive will cooperate in good
faith with Company, its successors and their affiliates in any manner reasonably requested or directed by Company, successor or such affiliate, including, without limitation, cooperating with Company in any current or future investigation,
litigation, proceeding, or other legal matter (including, without limitation, meeting with and fully answering the questions of Company or its attorneys, representatives or agents, and testifying and preparing to testify at any deposition, trial, or
other proceeding without subpoena). Company agrees to reimburse Executive for any reasonable out-of-pocket expenses incurred in providing such assistance and
cooperation, subject to such reasonable substantiation and documentation as may be specified by Company from time to time, but the Executive will not receive any other consideration for such cooperation. All business expenses shall be submitted by
Executive for reimbursement not later than thirty (30) days after such expenses are incurred. 
 4. CONFIDENTIALITY. Executive will
not respond to or in any way participate in or contribute to any public discussion, notice or other publicity concerning or in any way relating to the execution of this Agreement or the events including any negotiations which led to its execution.

 5. REAFFIRMATION OF COVENANTS. Executive agrees that, notwithstanding any provision of this Agreement, the obligations contained in
Sections 9 and 10 of the Employment Agreement, including those relating to confidentiality, non-competition, non-solicitation and
non-disparagement, shall remain in full force and effect following the Separation Date, pursuant to the terms and conditions related thereto in the Employment Agreement. 

Nothing in this Agreement or the Employment Agreement shall prohibit the Executive from reporting possible violations of federal law or
regulation to any governmental agency or entity, or making other disclosures, that are protected under the whistleblower or similar protective provisions of federal law or regulation (or similar state laws). The Executive will not need the
prior authorization of Company to make any such reports or disclosures, and the Executive will not be required to notify Company that the Executive has made such reports or disclosures, provided, that nothing shall waive any attorney client or
similar privilege of Company or any of its affiliates. Nothing in this Agreement in any way prohibits or is intended to restrict or impede the Executive exercising protected rights to the extent that such rights cannot be waived by agreement.
Nothing herein will prevent receipt by Executive of any rewards (or similar awards or entitlements) in respect of the provision of information under any such whistleblower or similar protective provision of federal law or regulation (or similar
state laws). The Executive will not be held criminally or civilly liable under any federal or state trade secret law for any disclosure of a trade secret that is made: (i) in confidence to a federal, state or local government official,
either directly or indirectly, or to an attorney and solely for the purpose of reporting or investigating a suspected violation of law, or (ii) in a complaint or other document that is filed under seal in a lawsuit or other proceeding. If
the Executive files a lawsuit for retaliation by Company for reporting a suspected violation of law, the Executive may disclose trade secrets to Executive’s attorney and use the trade secret information in the court proceeding if Executive
(x) files any document containing the trade secret under seal and (y) does not disclose the trade secret, except pursuant to court order. 

  
 3 

 6. GENERAL RELEASE AND DISCHARGE. (i) Release by Executive. Except for those
obligations created by or arising out of this Agreement for which receipt or satisfaction has not been acknowledged herein, Executive on behalf of Executive and Executive’s decedents, dependents, heirs, executors, administrators, assigns, and
successors, and each of them, hereby covenants not to sue and fully releases and discharges Company and its parent, subsidiaries and affiliates, past and present, and each of them, as well as its and their trustees, directors, officers, agents,
attorneys, insurers, employees, stockholders, representatives, assigns and successors, past and present and each of them, hereinafter together and collectively referred to as “Releasees,” with respect to and from any and all claims,
promises, sums of money, entitlements, compensation, benefits, employment and severance agreements, wages, demands, rights, liens, agreements, contracts, covenants, actions, suits, causes of action, obligations, debts, costs, expenses,
attorneys’ fees, damages, judgments, orders and liabilities, of whatever kind or nature in law, equity or otherwise, whether now known or unknown, suspected or unsuspected, and whether or not concealed or hidden (collectively,
“Claims”), which Executive now owns or holds or has at any time heretofore owned or held as against said Releasees, arising out of or any way connected with Executive’s employment relationship with Company or the separation of
Executive’s employment or any other transactions, occurrence, actions, omissions or any loss, damage or injury whatever, known or unknown, suspected or unsuspected, resulting from any act or omission, by or on the part of said releases, or any
of them, committed or omitted prior to the date of this Agreement. 
 Executive specifically understands and agrees that this waiver, release
and discharge includes: 
  

	 	a)	 All claims arising under federal, state or local laws prohibiting employment discrimination such as, without
limitation, 

  

	 	i.	 The Age Discrimination in Employment Act (ADEA); 

 

	 	ii.	 The Older Workers Benefit Protection Act (OWBPA); 

 

	 	iii.	 Title VII of the Civil Rights Act of 1964; 

 

	 	iv.	 The Civil Rights Act of 1991; 

 

	 	v.	 The Americans With Disabilities Act, as amended (ADA); 

 

	 	vi.	 The Equal Pay Act; 

  

	 	vii.	 The Family and Medical Leave Act; 

 

	 	viii.	 The Worker’s Adjustment and Retraining Notification Act (WARN); 

 

	 	ix.	 The Occupational Safety and Health Act; 

 

	 	x.	 The South Dakota Human Relations Act and the fair employment practices laws of the state or states in which
Executive has been employed by Company or any of its subsidiaries or other affiliates; 

  
 4 

	 	b)	 Claims for breach of contract, either express or implied; 

 

	 	c)	 Claims for personal injury, harm or damages, whether intentional or unintentional; 

 

	 	d)	 Claims growing out of any legal restrictions on the right to terminate Executive, including any claim for
wrongful discharge; 

  

	 	e)	 Claims for benefits including, without limitation, those arising under the Employee Retirement Income Security
Act of 1974; 

  

	 	f)	 Claims relating to the Employment Agreement or any money owed to Executive under that Employment Agreement,
except to the extent incorporated in this Agreement by reference; 

  

	 	g)	 For any other work related claim that may arise from or may be related to her employment, up to and through the
date of this Agreement; and 

 Executive agrees not to litigate any such claims except for breach or validity of this
Agreement. Nothing in this Agreement shall be construed to prohibit Executive from filing a charge with or participating in any investigation or proceeding conducted by any federal, state or local agency. Company and Executive agree that by entering
into this Agreement, Executive does not waive claims that may arise after the date the Agreement is executed or any claim for COBRA continuation coverage rights or any vested rights under any applicable pension plan. 

(ii) Release by Company. Meta Financial, MetaBank and each of their respective subsidiaries and affiliates (together, the “Company
Group”) hereby covenants not to sue and fully releases and discharges Executive with respect to and from any and all Claims which the Company Group now owns or holds or has at any time heretofore owned or held as against Executive, arising out
of or any way connected with Executive’s employment relationship with Company or the separation of Executive’s employment or any other transactions, occurrence, actions, omissions or any loss, damage or injury whatever, known or unknown,
suspected or unsuspected, resulting from any act or omission, by or on the part of Executive, committed or omitted prior to the date of this Agreement; provided, however, that the Company Group expressly does not release Executive from any Claims
relating to or involving (i) fraud, (ii) material violation of law, (iii) willful misconduct or acts of bad faith, (iv) any right to clawback compensation under applicable law, regulation or bilateral agreement or Company policy
(including Section 16(f) of the Employment Agreement), or (v) the right to enforce post-termination restrictive covenants to which Executive is subject. 

7. RETURN OF COMPANY MATERIALS. Executive shall return to Company and shall not take or copy in any form or manner any confidential
materials and information, including all originals and copies, whether in paper or computer stored form. Executive covenants and agrees that, on or before the Separation Date, Executive will return all Company or affiliate property in
Executive’s possession or control, including, without limitation, all keys, computer hardware and software, tablets, fobs, credit cards, materials, papers, books, paper and electronic files and documents, records, policies, database information
and lists, mailing lists, notes, computer software and programs, data, confidential information, work product, and any 

  
 5 

 
other property or information that Executive may have relating to Company or its affiliates or its or their confidential and/or nonpublic information. Notwithstanding anything in this Agreement
to the contrary, Executive shall be permitted to retain and continue to use (i) any personal contact information (including e-mail addresses, mailing addresses and telephone numbers) in Executive’s
possession or which Executive provided to Investor Relations, provided that such personal contact information may not be used for any purpose that is in any way related to the business of the Company or that constitutes a breach of any other
provision of this Agreement, and (ii) Executive’s cellular phone issued to him by the Company. In addition, Executive shall be permitted to (i) retain his Company e-mail address for a period of
one year following the Separation Date, solely for the purpose of transitioning any personal e-mail messages to his personal e-mail account, and (ii) purchase the
automobile assigned to him by the Company during his employment with the Company at the applicable Kelley Blue Book trade-in value as of the Separation Date. 

8. STANDSTILL. Executive agrees that from the date of this Agreement until the date that is two (2) years from the Separation Date,
Executive shall not, in any manner, directly or indirectly, take any of the following actions: (i) acquire, agree or seek to acquire or make any proposal or offer to acquire, or announce any intention to acquire, any securities, including any
debt securities (“Securities”) of Company, or beneficial ownership thereof, or any Securities convertible or exchangeable into or exercisable for any Securities of Company, or beneficial ownership thereof (other than (a) Securities
issued pursuant to a stock split, stock dividend or similar corporate action initiated by Company with respect to any Securities beneficially owned by Executive on the date of this Agreement and (b) open market purchases of up to one percent
(1%) of the Company’s common stock, provided that such purchases are made solely for investment purposes), (ii) acquire, agree or seek to acquire or make any proposal or offer to acquire, or announce any intention to acquire, any property,
asset or business of Company or any of its affiliates, (iii) acquire, agree or seek to acquire or make any proposal or offer to acquire, or announce any intention to acquire, any ownership interest in any joint venture in which Company or any
of its affiliates is a party or any ownership interest in any partner of Company or any of its affiliates in such a joint venture, (iv) propose to any person, or effect or seek to effect, whether alone or in concert with others, any tender or
exchange offer, merger, consolidation, acquisition, business combination, recapitalization, restructuring, liquidation or dissolution with respect to Company, (v) make, or in any way participate in any “solicitation” of
“proxies” (as such terms are used in the proxy rules of the Securities and Exchange Commission but without regard to the exclusion set forth in Rule 14a-1(l)(2)(iv)) to vote in favor of any proposal
for which such solicitation is being made (other than any proposal supported by the Board), or seek to advise any person with respect to the voting of, any voting securities of Company for any purpose, (vi) form, join, encourage, advise or in
any way participate in a “group” (within the meaning of Section 13(d) of the Securities Exchange Act of 1934) with respect to any voting securities of Company or otherwise in any manner agree, attempt, seek or propose to deposit any
voting securities of Company or any securities convertible or exchangeable into or exercisable for any such securities in any voting trust or similar arrangement, (vii) otherwise act, alone or in concert with others, to seek to control, advise
or change the management, Board, governing instruments, policies or affairs of Company, (viii) disclose any intention, plan or arrangement inconsistent with the foregoing or (ix) encourage, advise, assist or facilitate the taking of any
actions by any other person in connection with any of the foregoing. Executive further agrees that, if at any time during such 

  
 6 

 
period, Executive is approached, directly or indirectly, by any third party concerning Executive’s participation in any of the above-mentioned matters, Executive shall promptly inform
Company of the nature of any such matters and the parties involved. Executive shall be permitted to work with private equity firms, other shareholders of the Company and other parties with respect to (i) seeking future employment,
(ii) raising capital from a private equity company or other parties, or (iii) activities with respect to the purchase of the Company’s Community Banks in the event the Company elects to sell such banks; provided, however, that
Executive shall in all cases remain subject to the obligations owed to the Company under this Section 8 and Sections 9 and 10 of the Employment Agreement. 

9. PAYMENT OF TAXES. Executive agrees that Executive shall be exclusively liable for the payment of all federal and state taxes which may
result from the payments contemplated by this Agreement, and that any payments payable hereunder are subject to withholding as required by applicable law. Executive acknowledges that Company and/or its attorneys do not make and have not made
any representations regarding the taxability of the payments. 
 10. RIGHT TO CONSULT WITH ATTORNEY. Executive acknowledges that
Executive has a right to consult with an attorney or any other advisor, counselor or consultant of Executive’s choosing prior to signing this Agreement and that Executive is hereby advised in writing to consult with an attorney prior to
executing this Agreement. 
 11. WAIVER OF CLAIMS UNDER THE AGE DISCRIMINATION IN EMPLOYMENT ACT AND THE OLDER WORKERS BENEFIT PROTECTION ACT
OF 1990. Notwithstanding anything in this Agreement to the contrary, Executive understands this voluntary waiver releases Company of any and all claims under the Age Discrimination in Employment Act (ADEA) and the Older Workers Benefit
Protection Act of 1990 (OWBPA) and that Executive has been given twenty-one (21) days to sign this Agreement after it has been received in order to consider all its terms fully. Executive may revoke
Executive’s acceptance of this Agreement at any time within seven (7) days following execution of this Agreement and the Agreement shall not become effective or enforceable until expiration of this seven (7) day period (the
“Revocation Period”). Should Executive revoke this Agreement during the Revocation Period, this entire Agreement shall be deemed null and void. This waiver does not apply to rights or claims under the ADEA and OWBPA that may
arise after the date the waiver is executed. If Executive desires to revoke this Agreement, revocation may be made by a written revocation delivered to Ian Stromberg, Senior Vice President – Human Resources, MetaBank, 5501 South Broadband
Lane, Sioux Falls, SD 57108. 
 12. EMPLOYEE ACKNOWLEDGMENTS. Prior to signing this Agreement, Executive acknowledges that
Executive read and carefully considered this Agreement, and had an opportunity to ask questions about it, to discuss this Agreement with Executive’s attorney, advisor, counselor, consultant or other person of Executive’s
choosing. Executive acknowledges that Executive is signing this Agreement freely and voluntarily. Executive acknowledges receiving a copy of this Agreement on January 11, 2019. 

13. COMPLETE AGREEMENT. This Agreement constitutes and contains the entire agreement and final understanding concerning Executive’s
employment, separation from the same, and the other subject matters addressed herein between the parties, except that the Code 

  
 7 

 
Section 409A provisions set forth in Section 7 of the Employment Agreement, the indemnification provisions set forth in Section 8 of the Employment Agreement, the confidentiality, non-solicitation, non-competition and non-disparagement provisions set forth in Sections 9 and 10 of the Employment Agreement, the
dispute resolution provisions set forth in Section 14 of the Employment Agreement and the clawback provision set forth in Section 16(f) of the Employment Agreement shall remain in full force and effect. It is intended by the parties as a
complete and exclusive statement of the terms of the Agreement. It supersedes and replaces all prior negotiations and all agreements proposed or otherwise, whether written or oral, concerning the subject matters hereof. Any representation,
promise or agreement not specifically included in this Agreement shall not be binding upon or enforceable against either party. This is a fully integrated agreement. To the extent there is any conflict between this Agreement and the Employment
Agreement, this Agreement shall govern. 
 14. SEVERABILITY AND INVALID PROVISIONS. If any provision of this Agreement or the
application hereof is held invalid, the invalidity shall not affect other provisions or applications of the Agreement which can be given effect without the invalid provisions or applications and to this end, the provisions of this Agreement are
declared to be severable. 
 15. CHOICE OF LAW / CONSENT TO JURISDICTION. This Agreement shall be deemed to have been executed and
delivered from the State of South Dakota, and the rights of obligations of the parties hereunder shall be construed and enforced in accordance with and governed by the laws of the State of South Dakota without regard to the principles of conflicts
of law. EMPLOYEE AND COMPANY WAIVE THEIR RESPECTIVE RIGHTS TO A JURY TRIAL OF ANY CLAIMS AND CAUSES OF ACTION ARISING UNDER THIS AGREEMENT, AND AGREE TO HAVE ANY MATTER HEARD AND DECIDED SOLELY BY A COURT OF COMPETENT
JURISDICTION. Except for suits seeking injunctive relief or specific performance, any dispute or controversy arising under or in connection with this Agreement shall be settled exclusively by arbitration in Sioux Falls, South Dakota in
accordance with the Employment Arbitration rules of the American Arbitration Association then in effect. Judgment may be entered on the arbitrator’s award in any court having jurisdiction. Each Party shall bear its own expenses in any
arbitration convened pursuant to this Section and shall split evenly the costs of the arbitration; provided, however, that the Company will pay the costs of such arbitration to the extent necessary as a condition precedent to enforce this
arbitration obligation. 
 16. JOINT PREPARATION OF AGREEMENT. Each party has cooperated in drafting the preparation of this
Agreement. Hence, any construction to be made of this Agreement shall not be construed against any party on the basis that the party was the drafter. 

17. WAIVER OF BREACH – EFFECT. No waiver of any breach of any term or provision of this Agreement shall be construed to be, nor shall
be, a waiver of any other breach of this Agreement. No waiver shall be binding unless in writing and signed by the party waiving the breach. 

18. FURTHER EXECUTIONS. All parties agree to cooperate fully and to execute any and all supplementary documents to make all additional
actions that may be necessary or appropriate to give full force to the basic terms intended of this Agreement which are not inconsistent with its terms. 

  
 8 

 19. HEADINGS NOT BINDING. The use of headings in this Agreement is only for ease of
reference and the headings have no effect and are not to be considered part or a term of this Agreement. 
 20. STATUS DURING SEPARATION PAY
PERIOD. Commencing with the Separation Date, Executive shall cease to be an employee of Company for any purpose. The payment of Severance Benefits under this Agreement shall be payments to a former employee and shall be conditioned on
Executive’s full compliance with the terms of this Agreement. In the event that Executive fails to comply with the terms of this Agreement no further amounts of Severance Benefits will be due, Company will be entitled to recoup the gross
amount of any amounts paid to the Executive, and shall have the full benefit of any and all remedies available to it under applicable law and this Agreement. 

21. MISCELLANEOUS. The Agreement may be executed in identical counterparts, which together shall constitute a single
agreement. Facsimile, pdf, and other true and correct photostatic copies of the Agreement shall have the same force and effect as originals hereof. Wherever the context so requires, the masculine gender includes the feminine or neuter, and
the singular number includes the plural and conversely. References to “including” shall mean “including, without limitation.” The Agreement shall be binding on and inure to the benefit of the executors, heirs,
administrators, successors and assigns of Executive and the successors and assigns of Company and shall inure to the benefit of the respective executors, heirs, administrators, successors and assigns of Company. Each of the parties released
hereunder are intended third party beneficiaries and shall have full rights to enforce this Agreement against Executive. 
 22. 409A. It is
the intent of the parties that no payments be subject to the additional tax on deferred compensation imposed by Section 409A of the Code. Notwithstanding the foregoing, Company does not guarantee, and none of Company or any person or
entity released hereunder guarantee, that any payment hereunder complies with or is exempt from Section 409A of the Code and no such person or entity, nor their executives, directors, officers, employees, members or affiliates shall have any
liability with respect to any failure of any payments or benefits herein to comply with or be exempt from Section 409A of the Code. Each payment or benefit hereunder will be a separate and distinct payment in a series of separate payments
for purposes of Code Section 409A. 
 Signatures appear on following page 

  
 9 

 I have read the Agreement, I accept and agree to the provisions it contains, and hereby
execute it voluntarily with full understanding of its consequences. For the purpose of implementing a full, knowing and complete release and discharge of the parties, persons and entities released hereunder, Executive expressly acknowledges
that the Agreement is intended to include in its effect, without limitation, all claims which Executive does not know or suspects to exist in Executive’s favor at the time of execution hereof, and that the Agreement contemplates the
extinguishment of any such claim. 
 Executed this 16th day of January, 2019. 

 

	
	/s/ J. Tyler Haahr
	Executive

  

			
	META FINANCIAL GROUP, INC.
		
	By:	 	/s/ Frederick V. Moore
	Its:	 	Chair of the Compensation Committee of the
Board of Directors

  

			
	METABANK
		
	By:	 	/s/ Frederick V. Moore
	Its:	 	Chair of the Compensation Committee of the
Board of Directors

  
 10 

 EXHIBIT A 

Form of Supplemental Release Agreement 

This Supplemental Release Agreement (the “Supplemental Release”) is made by and among J. Tyler Haahr (“Executive”), Meta
Financial Group, Inc., a Delaware corporation (“Meta Financial”) and MetaBank, a federally chartered savings bank (Meta Financial and MetaBank are each referred to herein as the “Company”), as of [__________], 2019 (the
“Separation Date”) in connection with the termination of Executive’s employment with the Company and all subsidiaries and affiliates of the Company. 

Release by Executive. Except for those obligations created by or arising out of the Transition and General Release Agreement made as of
January 16, 2019 by and among Executive and the Company (the “Transition Agreement”) for which receipt or satisfaction has not been acknowledged therein, Executive on behalf of Executive and Executive’s decedents, dependents,
heirs, executors, administrators, assigns, and successors, and each of them, hereby covenants not to sue and fully releases and discharges Company and its parent, subsidiaries and affiliates, past and present, and each of them, as well as its and
their trustees, directors, officers, agents, attorneys, insurers, employees, stockholders, representatives, assigns and successors, past and present and each of them, hereinafter together and collectively referred to as “Releasees,”
with respect to and from any and all claims, promises, sums of money, entitlements, compensation, benefits, employment and severance agreements, wages, demands, rights, liens, agreements, contracts, covenants, actions, suits, causes of action,
obligations, debts, costs, expenses, attorneys’ fees, damages, judgments, orders and liabilities, of whatever kind or nature in law, equity or otherwise, whether now known or unknown, suspected or unsuspected, and whether or not concealed or
hidden (collectively, “Claims”), which Executive now owns or holds or has at any time heretofore owned or held as against said Releasees, arising out of or any way connected with Executive’s employment relationship with Company or the
separation of Executive’s employment or any other transactions, occurrence, actions, omissions or any loss, damage or injury whatever, known or unknown, suspected or unsuspected, resulting from any act or omission, by or on the part of said
releases, or any of them, committed or omitted prior to the Separation Date. 
 Executive specifically understands and agrees that this
waiver, release and discharge includes: 
  

	 	a)	 All claims arising under federal, state or local laws prohibiting employment discrimination such as, without
limitation, 

  

	 	i.	 The Age Discrimination in Employment Act (ADEA); 

 

	 	ii.	 The Older Workers Benefit Protection Act (OWBPA); 

 

	 	iii.	 Title VII of the Civil Rights Act of 1964; 

 

	 	iv.	 The Civil Rights Act of 1991; 

 

	 	v.	 The Americans With Disabilities Act, as amended (ADA); 

  
 A-1 

	 	vi.	 The Equal Pay Act; 

  

	 	vii.	 The Family and Medical Leave Act; 

 

	 	viii.	 The Worker’s Adjustment and Retraining Notification Act (WARN); 

 

	 	ix.	 The Occupational Safety and Health Act; 

 

	 	x.	 The South Dakota Human Relations Act and the fair employment practices laws of the state or states in which
Executive has been employed by Company or any of its subsidiaries or other affiliates; 

  

	 	b)	 Claims for breach of contract, either express or implied; 

 

	 	c)	 Claims for personal injury, harm or damages, whether intentional or unintentional; 

 

	 	d)	 Claims growing out of any legal restrictions on the right to terminate Executive, including any claim for
wrongful discharge; 

  

	 	e)	 Claims for benefits including, without limitation, those arising under the Employee Retirement Income Security
Act of 1974; 

  

	 	f)	 Claims relating to the Employment Agreement or any money owed to Executive under that Employment Agreement,
except to the extent incorporated in this Agreement by reference; 

  

	 	g)	 For any other work related claim that may arise from or may be related to her employment, up to and through the
Separation Date; and 

 Executive agrees not to litigate any such claims except for breach or validity of the Transition
Agreement. Nothing in this Agreement shall be construed to prohibit Executive from filing a charge with or participating in any investigation or proceeding conducted by any federal, state or local agency. Company and Executive agree that by entering
into this Supplemental Release, Executive does not waive claims that may arise after the Separation Date or any claim for COBRA continuation coverage rights or any vested rights under any applicable pension plan. 

Other than accrued but unpaid base salary through the Separation Date and any other accrued amounts to which Executive may be entitled in
connection with the termination of his employment pursuant to the applicable Company plan, policy or arrangement, Executive represents and warrants that Executive has been paid all wages due and owing from Company, including but not limited to
overtime, in accordance with the Fair Labor Standards Act, and has received any and all benefits for which Executive would be eligible under the Family and Medical Leave Act. 

Notwithstanding anything in this Supplemental Release or the Transition Agreement to the contrary, Executive understands this voluntary waiver
releases Company of any and all claims under the Age Discrimination in Employment Act (ADEA) and the Older Workers 

  
 A-2 

 
Benefit Protection Act of 1990 (OWBPA) and that Executive has been given twenty-one (21) days to sign this Supplemental Release after it has been
received in order to consider all its terms fully. Executive may revoke Executive’s acceptance of this Supplemental Release at any time within seven (7) days following execution of this Supplemental Release and the Supplemental
Release shall not become effective or enforceable until expiration of this seven (7) day period (the “Revocation Period”). Should Executive revoke this Supplemental Release during the Revocation Period, this entire Supplemental
Release shall be deemed null and void. This waiver does not apply to rights or claims under the ADEA and OWBPA that may arise after the date the Supplemental Release is executed. If Executive desires to revoke this Supplemental Release,
revocation may be made by a written revocation delivered to Ian Stromberg, Senior Vice President – Human Resources, MetaBank, 5501 South Broadband Lane, Sioux Falls, SD 57108. 

Release by Company. Meta Financial, MetaBank and each of their respective subsidiaries and affiliates (together, the “Company
Group”) hereby covenants not to sue and fully releases and discharges Executive with respect to and from any and all Claims which the Company Group now owns or holds or has at any time heretofore owned or held as against Executive, arising out
of or any way connected with Executive’s employment relationship with Company or the separation of Executive’s employment or any other transactions, occurrence, actions, omissions or any loss, damage or injury whatever, known or unknown,
suspected or unsuspected, resulting from any act or omission, by or on the part of Executive, committed or omitted prior to the Separation Date; provided, however, that the Company Group expressly does not release Executive from any Claims relating
to or involving (i) fraud, (ii) material violation of law, (iii) willful misconduct or acts of bad faith, (iv) any right to clawback compensation under applicable law, regulation or bilateral agreement or Company policy (including
Section 16(f) of the Employment Agreement), or (v) the right to enforce post-termination restrictive covenants to which Executive is subject. 

Signatures appear on following page 

  
 A-3 

 I have read the Supplemental Release, I accept and agree to the provisions it contains, and
hereby execute it voluntarily with full understanding of its consequences. For the purpose of implementing a full, knowing and complete release and discharge of the parties, persons and entities released hereunder, Executive expressly
acknowledges that the Supplemental Release is intended to include in its effect, without limitation, all claims which Executive does not know or suspects to exist in Executive’s favor at the time of execution hereof, and that the Supplemental
Release contemplates the extinguishment of any such claim. 
 Executed this [__] day of [________], 2019. 

 

	
	    
	Executive

  

			
	META FINANCIAL GROUP, INC.
		
	By:	 	    
	Its:	 	Chair of the Compensation Committee of the
Board of Directors

  

			
	METABANK
		
	By:	 	    
	Its:	 	Chair of the Compensation Committee of the
Board of Directors

  
 A-4 

 EXHIBIT B 

Awards Subject to Continued Vesting 
  

							
	 Grant Date
	  	 Award Type
	  	Number of Unvested Shares
as of the Separation Date	 
	 November 16, 2016
	  	 Restricted Stock
	  	 	200,598	 
	 January 1, 2017
	  	 Restricted Stock
	  	 	24,396	 

 EXHIBIT C 

Awards Subject to Accelerated Vesting 
  

							
	 Grant Date
	  	 Award Type
	  	Number of Unvested Shares
as of the Separation Date	 
	 October 11, 2017
	  	 Restricted Stock
	  	 	11,208	 
	 October 16, 2018
	  	 Restricted Stock
	  	 	38,352	 
	 November 12, 2018
	  	 Restricted Stock
	  	 	5,402

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