Document:

<PAGE>
                                                                    EXHIBIT 10.1

                                SECOND AMENDMENT

      SECOND AMENDMENT, dated as of June 2, 2004 (this "SECOND AMENDMENT"), to
the Second Amended and Restated Senior Secured Credit Agreement, dated as of
September 16, 2003 (as amended by the First Amendment, dated as of November 23,
2003, this Second Amendment and as otherwise amended, supplemented or modified
from time to time, the "CREDIT AGREEMENT"), among DAY INTERNATIONAL GROUP, INC.,
a Delaware corporation (the "BORROWER"), the several banks and other financial
institutions or entities from time to time parties thereto (the "LENDERS"),
LEHMAN BROTHERS INC., as sole advisor, sole bookrunner and joint lead arranger,
and BANC ONE CAPITAL MARKETS, INC., as joint lead arranger, BANK ONE, NA, as
syndication agent, NATIONAL CITY BANK, as documentation agent, and LEHMAN
COMMERCIAL PAPER INC., as administrative agent (in such capacity, the
"ADMINISTRATIVE AGENT").

                              W I T N E S S E T H:

      WHEREAS, the Borrower has requested that the Administrative Agent and each
of the Lenders agree to amend certain provisions of the Credit Agreement;

      WHEREAS, such amendments include adding a Tranche D Term Loan Facility (as
defined below) and using the proceeds thereof to prepay the existing Tranche B
Term Loans and Tranche C Term Loans; and

      WHEREAS, the Administrative Agent and the Lenders are willing to agree to
the requested amendments, but only upon the terms and conditions set forth
herein;

      NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, and in consideration of the
premises contained herein, the parties hereto agree as follows:

      1. Defined Terms. Capitalized terms used herein and not otherwise defined
herein shall have the meanings ascribed to such terms in the Credit Agreement.

      2. Amendment to Section 1.1 (Defined Terms). (a) Section 1.1 of the Credit
Agreement is hereby amended by (i) deleting the defined terms "Commitment",
"Facility", "Majority Facility Lenders", "Required Lenders", "Term Loan
Facilities", "Term Loan Lender" and "Term Loans" and (ii) substituting in lieu
thereof the following definitions:

      "`COMMITMENT': as to any Lender, the sum of the Tranche A Term Loan
Commitment, Tranche B Term Loan Commitment, Tranche C Term Loan Commitment,
Tranche D Term Loan Commitment and the Revolving Credit Commitment of such
Lender."

      "`FACILITY': each of (a) the Tranche A Term Loan Commitments and the
Tranche A Term Loans made thereunder (the "TRANCHE A TERM LOAN FACILITY"), (b)
the Tranche B Term Loan Commitments and the Tranche B Term Loans made thereunder
(the "TRANCHE B TERM LOAN FACILITY"), (c) the Tranche C Term Loan Commitments
and the Tranche C Term Loans made thereunder (the "TRANCHE C TERM LOAN
FACILITY"), (d) the Tranche D Term Loan Commitments and the Tranche D Term Loans
made thereunder
<PAGE>
(the "TRANCHE D TERM LOAN FACILITY") and (e) the Revolving Credit Commitments
and the extensions of credit made thereunder (the "REVOLVING CREDIT FACILITY")."

      "`MAJORITY FACILITY LENDERS': with respect to any Facility, the holders of
more than 50% of the aggregate unpaid principal amount of the Tranche A Term
Loans, Tranche B Term Loans, Tranche C Term Loans, Tranche D Term Loans or the
Total Revolving Extensions of Credit, as the case may be, outstanding under such
Facility (or, in the case of the Revolving Credit Facility, prior to any
termination of the Revolving Credit Commitments, the holders of more than 50% of
the Total Revolving Credit Commitments)."

      "`REQUIRED LENDERS': the holders of more than 50% of (a) until the Closing
Date, the Commitments and (b) thereafter, the sum of (i) the aggregate unpaid
principal amount of the Tranche A Term Loans, (ii) the aggregate unpaid
principal amount of the Tranche B Term Loans, (iii) the aggregate unpaid
principal amount of the Tranche C Term Loans, (iv) the aggregate unpaid
principal amount of the Tranche D Term Loans and (v) the Total Revolving Credit
Commitments or, if the Revolving Credit Commitments have been terminated, the
Total Revolving Extensions of Credit."

      "`TERM LOAN FACILITIES': the collective reference to the Tranche A Term
Loan Facility, the Tranche B Term Loan Facility, the Tranche C Term Loan
Facility and the Tranche D Term Loan Facility."

      "`TERM LOAN LENDER': each of the Tranche A Term Loan Lenders, the Tranche
B Term Loan Lenders, the Tranche C Term Loan Lenders and the Tranche D Term Loan
Lenders."

      "`TERM LOANS': the collective reference to the Tranche A Term Loans, the
Tranche B Term Loans, the Tranche C Term Loans and the Tranche D Term Loans."

      (b) The definition of "Applicable Margin" in Section 1.1 of the Credit
Agreement is hereby amended by inserting the following below the last line of
the chart therein (and prior to the proviso contained therein):

                                        Base Rate         Eurocurrency
                                          Loans              Loans
                                          -----              -----
      "Tranche D Term Loan Facility       2.50%              3.50%".

      (c) The definition of "Interest Period" in Section 1.1 of the Credit
Agreement is hereby amended by deleting paragraph (ii) in the proviso to such
definition in its entirety and substituting in lieu thereof the following:

      "(ii) any Interest Period that would otherwise extend beyond the Revolving
Credit Termination Date or beyond the date final payment is due on the Tranche A
Term Loans, the Tranche B Term Loans, the Tranche C Term Loans or the Tranche D
Term Loans, as the case may be, shall end on the Revolving Credit Termination
Date or such due date, as applicable;"

      (d) Section 1.1 of the Credit Agreement is hereby amended by adding
alphabetically therein the following definitions:

                                       2
<PAGE>
      "`SECOND AMENDMENT': the Second Amendment to this Agreement dated as of
June 2, 2004."

      "`Second Amendment Effective Date': as defined in the Second Amendment."

      "`TRANCHE D TERM LOAN': as defined in Section 2.1(d)."

      "`TRANCHE D TERM LOAN COMMITMENT': as to any Tranche D Term Loan Lender,
the obligation of such Lender, if any, on the Second Amendment Effective Date to
make a Tranche D Term Loan to the Borrower hereunder in a principal amount not
to exceed the amount set forth opposite the heading "Tranche D Term Loan
Commitment", or convert all or a portion of its Tranche B Term Loans or Tranche
C Term Loans, as the case may be, to Tranche D Term Loans to the Borrower
hereunder in a principal amount not to exceed the amount set forth opposite the
heading "Amount of Tranche B Term Loans and/or Tranche C Term Loans to be
converted to Tranche D Term Loans", in each case on Schedule 1 to the Lender
Consent delivered by such Lender, or, as the case may be, in the Assignment and
Acceptance pursuant to which such Lender became a party hereto, as the same may
be changed from time to time pursuant to the terms hereof. The original
aggregate amount of the Tranche D Term Loan Commitments is $126,473,026.70."

      "`TRANCHE D TERM LOAN FACILITY': as defined in the definition of
"Facility" in this Section 1.1."

      "`TRANCHE D TERM LOAN LENDER': each Lender which has a Tranche D Term Loan
Commitment or which is the holder of a Tranche D Term Loan."

      "`TRANCHE D TERM LOAN MATURITY DATE': September 16, 2009 (or such earlier
date on which the Loans become due and payable pursuant to Section 8); provided,
that notwithstanding the foregoing, the Tranche D Term Loan Maturity Date shall
be September 15, 2007 in the event that the Borrower's Senior Subordinated Notes
are not refinanced in full prior to September 15, 2007 with the proceeds of the
Subordinated Refinancing."

      "`TRANCHE D TERM LOAN PERCENTAGE': as to any Tranche D Term Loan Lender at
any time, the percentage which such Lender's Tranche D Term Loan Commitment then
constitutes of the aggregate Tranche D Term Loan Commitments (or, at any time
after the Second Amendment Effective Date, the percentage which the aggregate
principal amount of such Lender's Tranche D Term Loan then outstanding
constitutes of the aggregate principal amount of the Tranche D Term Loans then
outstanding)."

      3. Amendment to Section 2.1 (Term Loan Commitments). Section 2.1 of the
Credit Agreement is hereby amended by adding to such section at the end thereof
the following:

      "(d) Subject to the terms and conditions hereof, each Tranche D Term Loan
Lender severally agrees to make a term loan (a "TRANCHE D TERM LOAN") to the
Borrower on the Second Amendment Effective Date in an amount not to exceed the
amount of the Tranche D Term Loan Commitment of such Tranche D Term Loan Lender.
The Tranche D Term Loans may from time to time be Eurocurrency Loans or Base
Rate Loans, or a combination thereof, as

                                       3
<PAGE>
determined by the Borrower and notified to the Administrative Agent in
accordance with Sections 2.2 and 2.13."

      4. Amendment to Section 2.2 (Procedure for Term Loan Borrowings). Section
2.2 of the Credit Agreement is hereby amended by adding to such section at the
end thereof the following:

      "(c) The Borrower shall deliver to the Administrative Agent a Borrowing
Notice (which Borrowing Notice must be received by the Administrative Agent
prior to 10:00 A.M., New York City time, one Business Day prior to the Second
Amendment Effective Date) requesting that the Tranche D Term Loan Lenders make
the Tranche D Term Loans (or convert Tranche B Term Loans and Tranche C Term
Loans, as applicable, to Tranche D Term Loans) on the Second Amendment Effective
Date. The Tranche D Term Loans shall initially be Base Rate Loans, and no
Tranche D Term Loan may be converted into or continued as a Eurocurrency Loan
having an Interest Period in excess of one month prior to the date which is 30
days after the Second Amendment Effective Date or such shorter period as may be
acceptable to the Administrative Agent. Upon receipt of such Borrowing Notice
the Administrative Agent shall promptly notify each Tranche D Term Loan Lender
thereof. Not later than 12:00 Noon, New York City time, on the Second Amendment
Effective Date, each Tranche D Term Loan Lender shall make available to the
Administrative Agent at the Funding Office an amount in immediately available
funds equal to its Tranche D Term Loan (or notify the Administrative Agent to
convert an equal aggregate principal amount of Tranche B Term Loans or Tranche C
Term Loans, as applicable, held by such Tranche D Term Loan Lender to Tranche D
Term Loans). The Administrative Agent shall apply the aggregate of the amounts
made available to the Administrative Agent by each Tranche D Term Loan Lender in
accordance with Section 2.18 as in effect prior to the Second Amendment
Effective Date to prepay the Tranche B Term Loans and Tranche C Term Loans, as
applicable (or convert Tranche B Term Loans and Tranche C Term Loans, as
applicable, into an equal principal amount of Tranche D Term Loans held by such
Tranche D Term Loan Lender)."

      5. Amendment to Section 2.3 (Repayment of Term Loans). Section 2.3 of the
Credit Agreement is hereby amended by adding to such section at the end thereof
the following:

      "(d) The Tranche D Term Loan of each Lender shall be repaid in 22
consecutive quarterly installments, commencing on June 30, 2004, each of which
shall be in an amount equal to such Lender's Tranche D Term Loan Percentage
multiplied by the amount set forth below opposite such installment:

<TABLE>
<CAPTION>
                   Installment                 Amount
                   ------------------          --------------
<S>                                            <C>
                   June 30, 2004               $   317,771.43
                   September 30, 2004          $   317,771.43
                   December 31, 2004           $   317,771.43
                   March 31, 2005              $   317,771.43
                   June 30, 2005               $   317,771.43
                   September 30, 2005          $   317,771.43
                   December 31, 2005           $   317,771.43
</TABLE>

                                       4
<PAGE>
<TABLE>
<CAPTION>
                   Installment                 Amount
                   ------------------          --------------
<S>                                            <C>
                   March 31, 2006              $   317,771.43
                   June 30, 2006               $   317,771.43
                   September 30, 2006          $   317,771.43
                   December 31, 2006           $   317,771.43
                   March 31, 2007              $   317,771.43
                   June 30, 2007               $   317,771.43
                   September 30, 2007          $   317,771.43
                   December 31, 2007           $   317,771.43
                   March 31, 2008              $   317,771.43
                   June 30, 2008               $   317,771.43
                   September 30, 2008          $   317,771.43
                   December 31, 2008           $30,188,285.26
                   March 31, 2009              $30,188,285.26
                   June 30, 2009               $30,188,285.26
                   Tranche D Term              $30,188,285.23;
                   Loan Maturity Date
</TABLE>

      provided, that notwithstanding the foregoing, all outstanding Tranche D
Term Loans, together with accrued interest thereon, shall be due and payable on
the Tranche D Term Loan Maturity Date."

      6. Amendment to Section 2.8 (Repayment of Loans; Evidence of Debt). (a)
Section 2.8(a) of the Credit Agreement is hereby amended by adding after the
second sentence thereof the following: "The Borrower hereby unconditionally
promises to pay to the Administrative Agent for the account of the appropriate
Tranche D Term Loan Lender the principal amount of each Tranche D Term Loan of
such Tranche D Term Loan Lender in installments according to the amortization
schedule set forth in Section 2.3(d) and the then unpaid principal amount of
each Tranche D Term Loan of such Tranche D Term Loan Lender on the Tranche D
Term Loan Maturity Date."

      (b) Section 2.8(e) of the Credit Agreement is hereby amended by adding to
such section at the end thereof the following: "The Borrower agrees that, upon
the request to the Administrative Agent by any Lender, the Borrower will
promptly execute and deliver to such Lender a promissory note of the Borrower
evidencing any Tranche D Term Loans of such Lender, substantially in the form of
Exhibit E-6, with appropriate insertions as to date and principal amount."

      7. Amendment to Section 2.18 (Pro Rata Treatment and Payments). (a)
Section 2.18(a) of the Credit Agreement is hereby amended by inserting the
phrase ", Tranche D Term Loan Percentages" in the fifth line thereof immediately
before the phrase "or Revolving Credit Percentages".

      (b) Section 2.18(d) of the Credit Agreement is hereby amended by deleting
such section in its entirety and substituting in lieu thereof the following:

                                       5
<PAGE>
      "(d) Notwithstanding anything to the contrary in Sections 2.12 or 2.18(b),
so long as any Tranche A Term Loans are outstanding, each Tranche D Term Loan
Lender may, at its option, decline up to 100% of the portion of any mandatory
prepayment applicable to the Tranche D Term Loans of such Lender; accordingly,
with respect to the amount of any mandatory prepayment described in Section 2.12
that is allocated to Tranche D Term Loans (such amounts, the "MANDATORY
PREPAYMENT AMOUNT"), at any time when Tranche A Term Loans remain outstanding,
the Borrower will, on the date specified in Section 2.12 for such prepayment,
(i) give the Administrative Agent telephonic notice (promptly confirmed in
writing) requesting that the Administrative Agent prepare and provide to each
Tranche D Term Loan Lender a notice (each, a "PREPAYMENT OPTION NOTICE") as
described below and (ii) deposit with the Administrative Agent the Mandatory
Prepayment Amount. As promptly as practicable after receiving such notice from
the Borrower, the Administrative Agent will send to each Tranche D Term Loan
Lender a Prepayment Option Notice, which shall be substantially in the form of
Exhibit K, and shall include an offer by the Borrower to prepay on the
Prepayment Date (as defined below) the Tranche D Term Loans of such Lender by an
amount equal to the portion of the Mandatory Prepayment Amount indicated in such
Lender's Prepayment Option Notice as being applicable to such Lender's Tranche D
Term Loans. The "Prepayment Date" in respect of any Prepayment Option Notice
shall be the date which is five Business Days after the date of such Prepayment
Option Notice. On the Prepayment Date, the Administrative Agent shall (A) apply
the Mandatory Prepayment Amount toward prepayment of the outstanding Tranche D
Term Loans in respect of which Lenders have accepted mandatory prepayment as
described above and (B) apply the remaining portion of the Mandatory Prepayment
Amount not accepted by the Tranche D Term Loan Lenders toward prepayment of the
Tranche A Term Loans. The procedures described above in this paragraph shall not
be applicable in the case of a prepayment in full of all Term Loans."

      8. Amendment to Section 4.16 (Use of Proceeds). Section 4.16 of the Credit
Agreement is hereby amended by adding to such section at the end thereof the
following: "The proceeds of the Tranche D Term Loans shall be used solely to
refinance the Tranche B Term Loans and the Tranche C Term Loans on the Second
Amendment Effective Date."

      9. Amendment to Section 7.6 (Limitation on Dividends). Section 7.6 of the
Credit Agreement is hereby amended by (i) deleting the word "and" at the end of
clause (c); (ii) replacing the period at the end of clause (d) with the text ";
and"; and (iii) adding to such section at the end thereof the following clause
(e):

      "(e) the Borrower may make Restricted Payments to acquire minority
interests in joint ventures and non-Wholly Owned Subsidiaries from any Person
(other than the Sponsors or any of their respective Affiliates), so long as the
aggregate amount paid by the Borrower in connection with all such Restricted
Payments made pursuant to this clause (e) does not exceed $2,000,000."

      10. Amendment to Exhibits to Credit Agreement. (a) Exhibit K (Form of
Prepayment Option Notice) to the Credit Agreement is amended in its entirety to
read as set forth in Annex II hereto.

                                       6
<PAGE>
      (b) The Form of Tranche D Term Note attached hereto as Annex III is hereby
added to the Credit Agreement as Exhibit E-6 thereto.

      11. Conditions to Effectiveness of this Second Amendment. This Second
Amendment shall become effective upon the satisfaction of the following
conditions precedent concurrently with or prior to the making of the Tranche D
Term Loans (such date, the "Second Amendment Effective Date"):

      (a) The Administrative Agent shall have received (i) counterparts of this
Second Amendment duly executed and delivered by each of the Borrower, each of
the Subsidiary Guarantors and the Administrative Agent, and (ii) a Lender
Consent substantially in the form of Annex I hereto (the "Lender Consent"), duly
executed and delivered by each of the Tranche D Term Loan Lenders.

      (b) The Administrative Agent and the Tranche D Term Loan Lenders shall
have received such legal opinions as are customary for transactions of this type
or as they may reasonably request.

      (c) Prior to and after giving effect to this Second Amendment, each of the
representations and warranties made by any Loan Party in or pursuant to the Loan
Documents shall be true and correct on and as of the date hereof as if made on
and as of such date; provided that the references to the Credit Agreement in
such representations and warranties shall be deemed to refer to the Credit
Agreement as amended pursuant to this Second Amendment.

      (d) No Default or Event of Default shall have occurred and be continuing
on the date hereof prior to or after giving effect to the transactions
contemplated hereby.

      (e) The Administrative Agent shall have received such documents and other
instruments as are customary for transactions of this type or as the
Administrative Agent may reasonably request, including with respect to the
Mortgages, such documents, title insurance policies and endorsements as the
Administrative Agent deems necessary or advisable to protect the validity and
priority of any Lien created by such Mortgages.

      (f) The Borrower shall have paid to the Administrative Agent all
outstanding fees, costs and expenses invoiced to the Borrower owing on the date
hereof pursuant to the Credit Agreement or this Second Amendment.

      (g) The Tranche B Term Loans and Tranche C Term Loans outstanding on the
Second Amendment Effective Date shall be refinanced in full with the proceeds of
Tranche D Term Loans or converted into Tranche D Term Loans at the request of
the applicable Lender.

      12. Continuing Effect; No Other Amendments. Except as expressly set forth
in this Second Amendment, all of the terms and provisions of the Credit
Agreement are and shall remain in full force and effect and the Borrower shall
continue to be bound by all of such terms and provisions. The amendments
provided for herein are limited to the specific subsections of the Credit
Agreement specified herein and shall not constitute an amendment of, or an
indication of the Administrative Agent's or the Lenders' willingness to amend or
waive, any other

                                       7
<PAGE>
provisions of the Credit Agreement or the same subsections for any other date or
purpose. The Second Amendment shall constitute a Loan Document.

      13. Expenses. The Borrower agrees to pay and reimburse the Administrative
Agent for all its reasonable out-of-pocket costs and expenses incurred in
connection with the development, preparation and execution and delivery of this
Second Amendment, and other documents prepared in connection herewith, and the
transactions contemplated hereby, including, without limitation, reasonable fees
and disbursements and other charges of counsel to the Administrative Agent and
the charges of IntraLinks.

      14. Counterparts. This Second Amendment may be executed by one or more of
the parties to this Second Amendment on any number of separate counterparts, and
all of said counterparts taken together shall be deemed to constitute one and
the same instrument. Delivery of an executed signature page of this Second
Amendment by facsimile transmission shall be effective as delivery of a manually
executed counterpart hereof. A set of the copies of this Second Amendment signed
by all the parties shall be lodged with the Borrower and the Administrative
Agent. The execution and delivery of this Second Amendment by the Loan Parties
and the Administrative Agent shall be binding upon the Loan Parties, the
Lenders, the Agents and all future holders of the Loans.

      15. Effect of Second Amendment. On the Second Amendment Effective Date,
the Credit Agreement shall be amended as provided herein. The parties hereto
acknowledge and agree that (a) this Second Amendment and the other Loan
Documents executed and delivered in connection herewith do not constitute a
novation, or termination of the "Obligations" (as defined in the Credit
Agreement) under the Credit Agreement as in effect prior to the Second Amendment
Effective Date; (b) such "Obligations" are in all respects continuing (as
amended hereby) with only the terms thereof being modified to the extent
provided in this Second Amendment; and (c) the Liens and security interests as
granted under the Security Documents securing payment of such "Obligations" are
in all respects continuing and in full force and effect and secure the payment
of the "Obligations."

      16. GOVERNING LAW. THIS SECOND AMENDMENT AND THE RIGHTS AND OBLIGATIONS OF
THE PARTIES UNDER THIS SECOND AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED AND
INTERPRETED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK.

      17. Further Assurances. To the extent not delivered to the Administrative
Agent on or before the Second Amendment Effective Date, the Borrower agrees to
promptly deliver to the Administrative Agent such documents, title insurance
policies and endorsements as the Administrative Agent deems necessary or
advisable to protect the validity and priority of any Lien created by the
Mortgages in favor of the Administrative Agent.

                            [SIGNATURE PAGE FOLLOWS]

                                       8
<PAGE>
      IN WITNESS WHEREOF, the parties hereto have caused this Second Amendment
to be executed and delivered by their respective duly authorized officers as of
the date first above written.

                                            DAY INTERNATIONAL GROUP, INC.

                                            By: /s/ Thomas J. Koenig
                                               ---------------------------------
                                                Name:  Thomas J. Koenig
                                                Title: VP & CFO

                                            LEHMAN COMMERCIAL PAPER INC., as
                                            Administrative Agent

                                            By: /s/ G. Andrew Keith
                                               ---------------------------------
                                                Name:  G. Andrew Keith
                                                Title: Authorized Signatory

                       [SIGNATURE PAGE TO FIRST AMENDMENT]
<PAGE>
Each Subsidiary Guarantor hereby consents to this Second Amendment and agrees
that the terms hereof shall not affect in any way its obligations and
liabilities under the Loan Documents (as amended and otherwise expressly
modified by this Second Amendment), all of which obligations and liabilities
shall remain in full force and effect and each of which is hereby reaffirmed (as
amended and otherwise expressly modified by this Second Amendment).

Consented to and Agreed as of
the date of this Second Amendment:

DAY INTERNATIONAL, INC.
DAY INTERNATIONAL FINANCE, INC.
VARN INTERNATIONAL, INC.
NETWORK DISTRIBUTION INTERNATIONAL
NETWORK DISTRIBUTION INTERNATIONAL, INC.
BELLWETHER DISTRIBUTION, L.L.C.

By:      /s/ Thomas J. Koenig
   -------------------------------------
      Name:  Thomas J. Koenig
      Title: VP & CFO

                       [SIGNATURE PAGE TO FIRST AMENDMENT]
<PAGE>
                                      INDEX

ANNEXES:

I        Lender Consent
II       Form of Prepayment Option Notice
III      Form of Tranche D Term Note

A copy of the Annexes will be furnished supplementally to the Commission upon
request.

                       [SIGNATURE PAGE TO FIRST AMENDMENT]<PAGE>

                                                                    EXHIBIT 10.1

                  NON-COMPETITION AND CONFIDENTIALITY AGREEMENT

          THIS NON-COMPETITION AND CONFIDENTIALITY AGREEMENT (this "Agreement")
is made as of the 1st day of April, 2004 by and between WESBANCO BANK, INC. (the
"Company") and ROBERT P. BREZING (the "Employee").

          WHEREAS, Employee is employed by Cornerstone Bank (the "Bank")
pursuant to an Employment Agreement dated October 22, 1999, as amended by
Agreements dated November 6, 2003, September 26, 2002, and January 26, 1999
(collectively the "Agreements"), and

          WHEREAS, the Bank is a wholly owned subsidiary of Western Ohio
Financial Corporation ("WOFC") which has entered into an Agreement and Plan of
Merger dated the 1st day of April, 2004, with Wesbanco, Inc. ("Wesbanco") which
provides for the merger (the "Bank Merger") of the Bank with and into Wesbanco's
banking subsidiary, the Company, and

          WHEREAS, effective upon consummation of such Bank Merger, the parties
desire to mutually terminate the Agreements, enter into a new two (2) year
Employment Agreement in the form attached hereto as Exhibit A and provide for a
non-competition and confidentiality agreement to insure the competitive position
of the Company subsequent to said Bank Merger.

          NOW, THEREFORE, in consideration of the foregoing, the mutual
covenants set forth herein, and the further payment of the sum of One Hundred
Forty Thousand Two Hundred Ninety-five Dollars ($140,295.00) to be paid as of
the effective date of the Bank Merger

<PAGE>

whereupon this Agreement shall become effective, the parties to this Agreement
agree as follows:

          1. ACKNOWLEDGMENTS. The Employee acknowledges that: (a) the Company is
presently engaged in the following businesses: (i) financial services, real
estate, commercial and consumer lending and related financial services and
products; and (ii) other related products and services (collectively, the
"Present Business of the Company"); (b) as a key employee of the Company, the
Employee has been and will continue to be in a position of trust and confidence
in which the Employee has been and will learn of, have access to, and develop
proprietary, confidential, and trade secret information related to the business
and operation of the Company; (c) the Company would be seriously and irreparably
injured by unauthorized or inappropriate disclosure of any such information; (d)
the documents and information regarding the Company's customers, suppliers,
services, products, techniques, methods of operation, business plans and
forecasts, sales, pricing, and costs are highly confidential and constitute
trade secrets; (e) the Employee has developed and will further develop
relationships of special trust and confidence with the Company's customers and
its employees, and such relationships of trust and confidence are of great value
and importance to the Company and are for the Company's exclusive benefit; (f)
in exchange for the covenants and other promises made by the Employee in this
Agreement the Employee has received valuable rights; (g) the Employee has read
and understands the provisions of this Agreement and the Employee has been given
an opportunity for the Employee's legal counsel to review this Agreement; and
(h) the provisions of this Agreement are reasonable.

          2. DISCLOSURE OF CONFIDENTIAL INFORMATION. Confidential Information
(as defined below) shall at all times remain the property of the Company. The
Employee will

                                       2
<PAGE>

safeguard and maintain on the premises of the Company, to the extent possible in
the performance of the Employee's work for the Company, all documents and things
that contain or embody Confidential Information. Except as required as part of
the Employee's duties to the Company, the Employee will not, during the
Employee's employment by the Company or thereafter, directly or indirectly use,
divulge, disseminate, disclose, lecture upon, or publish any Confidential
Information without having first obtained written permission from the Company to
do so. Upon termination of employment, or upon request by the Company, the
Employee will deliver to the Company all materials containing Confidential
Information then in the Employee's possession or under the Employee's control.

          "Confidential Information" shall mean all information disclosed to the
Employee or known by the Employee as a consequence of or through the Employee's
employment by the Company, which is not generally known in the industry in which
the Company and/or an affiliate (i.e., another company the majority interest of
which is owned by the Company or by a direct or indirect parent or subsidiary of
the Company) is or may become engaged, about the Company's or an affiliates'
business, products, processes, and services, including but not limited to
information relating to research, development, inventions, computer program
designs, flow charts, source and object codes, products and services under
development, pricing and pricing strategies, marketing and selling strategies,
power generating, servicing, purchasing, accounting, engineering, costs and
costing strategies, sources of supply, customer lists, customer requirements,
business methods or practices, training and training programs, and related
documentation. It includes, but is not limited to, proprietary information and
trade secrets of the Company and its affiliates. It will be presumed that
information supplied to the Company and its

                                       3
<PAGE>

affiliates from outside sources is Confidential Information unless and until it
is designated otherwise.

          3. RESTRICTIONS ON COMPETITION. The Employee covenants and agrees that
while employed by the Company and for a period of one (1) year from and after
the effective date of the Bank Merger, whichever is longer, the Employee shall
not engage, directly or indirectly, whether as principal or as agent, officer,
director, employee, consultant, shareholder, independent contractor, or
otherwise, alone or in association with any other domestic or foreign person,
corporation or other entity, in a Competing Business (as defined below) located
in the state of Ohio and which maintains an office within a radius of fifty (50)
miles of the City of Springfield; provided, however, that the Employee shall
have the right to accept employment with a Competing Business whose business is
diversified (the "Diversified Business"), if the employment is with a part of
the Diversified Business which is not a Competing Business and if, prior to
accepting such employment, the Employee furnishes written assurances reasonably
satisfactory to the Company from the Diversified Business and from the Employee
that the Employee will not render services directly or indirectly in connection
with any Competing Business. The term "Competing Business" shall mean any
person, corporation, or other entity engaged in (i) the Present Business of the
Company (as defined in Section 1 of this Agreement), or (ii) any other business
in which the Company or any of its subsidiaries was engaged, or with respect to
which the Company or any of its subsidiaries had taken substantial steps to
engage in, as of the Employee's date of termination of employment. The Employee
acknowledges that the Company conducts or intends to conduct business within the
geographic area specified and, therefore, the Employee acknowledges that this
restriction is reasonable and necessary to protect Company's business and that
it will not prevent the Employee's gainful employment by others.

                                       4
<PAGE>

          4. SOLICITATION OF CUSTOMERS. The Employee covenants and agrees that
while employed by the Company, and for a period of one (1) year from and after
the effective date of the Bank Merger, whichever is longer, the Employee shall
not, in any manner adverse to the Company, directly or indirectly, solicit the
business of, do business with, or otherwise deal with any Customer. The term
"Customer" shall mean any customer, supplier, or prospective customer or
supplier of the Company or an affiliate of the Company with whom the Employee
has or had direct or indirect contact or about whom the Employee may have
acquired any knowledge while employed by the Company.

          5. SOLICITATION OF EMPLOYEES. During the Employee's employment, and
for a period of one (1) year from and after the effective date of the Bank
Merger, whichever is longer, the Employee shall not, directly or indirectly,
solicit the services of any employee of the Company, induce such employees to
terminate their employment, or otherwise deal in a manner adverse to the Company
with respect to such employees. If, during the Employee's employment, the
Employee is approached or contacted by any employee or former employee of the
Company suggesting, proposing, recruiting or inducing the Employee to terminate
employment with the Company, the Employee shall notify the Company immediately
in writing.

          6. OWNERSHIP OF INTELLECTUAL PROPERTY. The Employee agrees that all
inventions, improvements, developments and/or discoveries (whether or not
patentable), and all works of authorship (whether or not copyrightable)
(hereinafter collectively "Intellectual Property"), which are conceived of,
created, or made within the scope of the Employee's employment by the Company,
whether solely or jointly with others, shall be the sole and exclusive property
of the Company. The Employee further agrees to promptly and fully disclose all
such Intellectual Property and to execute, acknowledge, and deliver, upon
request of the

                                       5
<PAGE>

Company and without further compensation, either during or subsequent to
employment, all instruments which are desirable or necessary to prosecute an
application for and to acquire, maintain, and enforce all patents, copyrights or
registrations covering such Intellectual Property in all countries. Moreover,
the Employee hereby conveys, assigns, and transfers the Employee's entire right,
title, and interest in and to such Intellectual Property to the Company and
otherwise agrees to cooperate as necessary to perfect the Company's rights and
ownership to such Intellectual Property. Upon termination of employment, or upon
request by the Company, the Employee will deliver to the Company all materials
relating to Intellectual Property then in the Employee's possession or under the
Employee's control.

          7. RIGHTS AND REMEDIES UPON BREACH. If the Employee breaches, or
threatens to breach, any material term or condition of this Agreement, then the
Company shall have the following rights and remedies, each of which shall be
independent of the other and severally enforceable, and all of which rights and
remedies shall be in addition to, and not in lieu of, any other rights and
remedies available to the Company under law or equity:

               (a) SPECIFIC PERFORMANCE. The right and remedy to have all
     provisions of this Agreement specifically enforced by any court having
     equity jurisdiction, including obtaining an injunction to prevent any
     continuing violation of this Agreement; the Employee acknowledges that the
     Employee's services to the Company are of a unique character and have a
     special value to the Company, that any such breach or threatened breach
     will cause irreparable injury to the Company, and that money damages will
     be difficult to ascertain and will not provide an adequate remedy to the
     Company.

                                       6
<PAGE>

               (b) ACCOUNTING. The right and remedy to require the Employee to
     account for and pay over to the Company all compensation, profits, monies,
     accruals, increments, or other benefits derived or received by the Employee
     as a result of any transactions constituting a breach of any material
     provision of this Agreement.

               (c) DAMAGES, COSTS, AND ATTORNEY FEES. If the Employee is found
     to have breached this Agreement by a court, the Employee shall be liable
     for and agree to pay the Company: (i) all damages suffered by the Company
     as a result of the breach, and (ii) all costs and reasonable attorney fees
     and costs incurred by the Company to enforce its rights under this
     Agreement.

          8. OBLIGATIONS SURVIVE TERMINATION OF EMPLOYMENT. The termination of
the Employee's employment for whatever reason shall not impair or relieve the
Employee of any of the Employee's obligations under this Agreement which, by
their express terms or by implication, extend beyond the term of the Employee's
employment.

          9. BINDING EFFECT AND ASSIGNABILITY. This Agreement may not be
assigned by either party without the prior written consent of the other party,
except that in the event Company should undergo any change in ownership or
change in structure or control, or should Company transfer some or all of its
assets to another entity, this Agreement may be assigned by Company without the
Employee's further consent to any company, business, partnership, individual or
entity, and that the Employee will continue to remain bound by this Agreement.
Subject to the foregoing, this Agreement shall be binding upon and inure to the
benefit of the

                                       7
<PAGE>

parties and their respective heirs, legatees, devisees, personal
representatives, successors and assigns.

          10. NOTICE TO NEW EMPLOYER AND NOTICE TO THE COMPANY. The Employee
agrees that, prior to the commencement of any new employment, the Employee will
furnish the new employer with a copy of this Agreement. The Employee also agrees
that the Company may advise any new or prospective employer of the Employee of
the existence and terms of this Agreement and furnish the employer with a copy
of this Agreement. Accordingly, the Employee agrees to notify the Company prior
to the commencement of any new employment of the name of the new employer.

          11. AUTHORIZATION TO MODIFY RESTRICTIONS. It is the intention of the
parties that the provisions of this Agreement shall be enforceable to the
fullest extent permissible by law, and that the unenforceability of any
provision, in whole or in part, shall not render unenforceable, or impair, the
remaining parts and provisions of this Agreement. If any provision of this
Agreement shall be deemed unenforceable, in whole or in part, this Agreement
shall be deemed amended to delete or modify the offending part and to alter the
Agreement to render it valid and enforceable. Should a court determine that the
character, duration, or geographical scope of any covenant of this Agreement is
unreasonable in light of the circumstances as they then exist, then it is the
intention and the agreement of the parties that this Agreement shall be
construed by the court so as to impose only those restrictions on the conduct of
the Employee which are reasonable in light of the circumstances as they then
exist and as are necessary to assure the Company of the intended benefit of this
Agreement.

          12. TOLLING. The periods of time set forth in Section 3, 4 and 5 of
this Agreement shall be extended, at the option of the Company, for a period of
time equal to all

                                       8
<PAGE>

periods during which the Employee is or was in violation of such provision and
to extend the restricted period to run from the date of any injunction which may
be issued against the Employee to enable the Company to receive the full benefit
of these provisions.

          13. WAIVER. Waiver of any term or condition of this Agreement by any
party shall not be construed as a waiver of a subsequent breach or failure of
the same term or condition, or as a waiver of any other term or condition of
this Agreement.

          14. GOVERNING LAW. This Agreement and all determinations made and
actions taken pursuant to this Agreement shall be governed by the laws of the
State of Ohio other than the conflict of laws provisions of such laws, and shall
be construed in accordance therewith.

          15. CONSENT TO JURISDICTION AND SERVICE OF PROCESS. The Company and
the Employee shall be deemed to have expressly agreed and consented to the
personal jurisdiction of the United States District Court for the Southern
District of Ohio, Western Division, with respect to any dispute or controversy
related to, arising under, or in connection with this Agreement. The Company and
the Employees shall also be deemed to have expressly agreed that such courts are
convenient forums for the parties to any such controversy or dispute and for any
potential witnesses and that process issued out of any such court or in
accordance with the rules of practice of such court may be served by mail or
other forms of substituted service to the Company at the address of its
principal executive office and to the Employee at his or her last known address
as reflected in the Company's records.

          16. RECISION OF AGREEMENTS. Upon the effective date of the Bank
Merger, the payment of the lump sum payment described herein and the execution
of the Employment Agreement attached hereto as Exhibit A, the parties hereto
acknowledge and agree that the Agreements shall be rescinded in their entirety
and be of no further form or effect.

                                       9
<PAGE>

          17. ENTIRE AGREEMENT. This Agreement embodies the entire agreement and
understanding between the parties and supersedes all prior agreements and
understandings.

          IN WITNESS WHEREOF, Company has caused these presents to be signed and
its corporate seal to be hereto affixed, and Employee has hereto affixed his
signature and seal, at Springfield, Ohio, as of the day and year first above
written.

                                            COMPANY:

                                            WESBANCO BANK, INC.

                                            BY /s/ Paul M. Limbert
                                               -------------------
                                                    ITS President

                                            EMPLOYEE:

                                            /s/ Robert P. Brezing
                                            -----------------------
                                            ROBERT P. BREZING

                                       10

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