Document:

EXECUTIVE INCENTIVE PLAN

 Exhibit 10.11 
 VIRGINIA FINANCIAL GROUP, INC. 
 EXECUTIVE INCENTIVE PLAN 
  

	1.	PURPOSE—The purpose of the Virginia Financial Group, Inc. Executive Incentive Plan (the “Plan”) is to ensure, through the ability to earn meaningful annual
cash incentives, that the strategies and activities undertaken by the executive management of Virginia Financial Group, Inc. (the “Company”), its subsidiaries and its affiliates are focused on increasing the shareholder value of the
Company and aligned with shareholder objectives. 

  

	2.	PLAN YEAR—Each Plan Year begins on January 1 and ends at close of business on the following December 31. 

  

	3.	ELIGIBILITY—Participation in the Plan is limited to executive management of the Company and its subsidiaries or affiliates designated for inclusion in the Plan
(“Participating Affiliates”). The inclusion of a subsidiary or affiliate as a Participating Affiliate shall be made by the Company Board. The participation of individual executives in the Plan also shall be approved by the Company Board.

  

	4.	ADMINISTRATION—The Plan is administered by the Company Board which may, in its sole discretion, amend, modify, suspend or terminate the Plan and whose interpretation of
the Plan’s terms and provisions, certification of satisfaction of Performance Goals and decisions regarding earned awards shall be binding and conclusive. The Company Board may delegate all or any aspect of the operation or administration of
this Plan to the Personnel and Compensation Committee of the Board (the “Committee”). To the extent the Company Board does not delegate operation and administration of the Plan to the Committee, any determination by the Company Board with
respect to the Plan will be based on the recommendation of the Committee. 

  

	5.	AWARDS—Compensation under the Plan is comprised of annual cash incentive compensation as described below: 

  

	 	a.	Prior to the beginning of each Plan Year or no later than 90 days after the beginning of the Plan Year, Target Awards, determined as a percentage of each participant’s annual
base salary, and all related Performance Goals, the peer group, Performance Factors, Payout Scales, the Aggregate Performance Threshold and other aspects of the incentive program for that Plan Year are established for and communicated to each
participant. The Target Awards represent the amount that will be paid to the participating executive if the predetermined Performance Goals, as described below, are met. 

 Actual awards paid are increased or decreased by a Performance Factor in accordance with the Payout Scale in effect for the Plan Year when performance
exceeds or falls short of the Performance Goals. The maximum award payable under the Plan is 200% of the Target Award. No awards are paid if overall performance against the predetermined Performance Goals falls below a threshold level. 

 b. Awards are paid, unless otherwise deferred
under a prior valid election by the participant compliant with Section 409A of the Internal Revenue Code, no later than 2- 1/2 months following the end of the Plan Year. Except as follows, a participant must be employed on the date award payments are made (or are credited as deferred compensation rights pursuant to a prior valid election by the
participant). 
  

	 	i.	A participant who retires after having attained age 65 or is terminated due to disability as defined under the Company’s Long Term Disability Plan during a Plan Year will be
entitled to a prorated award based on the Company’s performance for the entire Plan Year, multiplied by a fraction the numerator of which is the number of full and partial months the participant is employed during the Plan Year and the
denominator of which is 12. 

  

	 	ii.	In the event of a participant’s death during a Plan Year, a prorated award will be paid to the participant’s beneficiary (or credited as deferred compensation rights
pursuant to a prior valid election by the participant) based on the Company’s performance through the most recently completed calendar quarter of the Plan Year, multiplied by a fraction the numerator of which is the number of full and partial
months the participant is employed during the Plan Year and the denominator of which is 12. The beneficiary will be the beneficiary designated by the participant under the Company’s Group Term Life Insurance Plan. 

  

	 	iii.	In the event of a participant’s retirement, disability or death after the end of a Plan Year but prior to the payment date, the applicable earned award will be paid to the
participant or the participant’s beneficiary (or credited as deferred compensation rights pursuant to a prior valid election by the participant) based on the Company’s performance for the Plan Year. 

  

	6.	PERFORMANCE MEASUREMENT 

  

	 	a.	Performance Goals—The Company Board establishes three to five Performance Goals annually for a Plan Year. Performance Goals are comprised of targeted annual performance
against key financial and shareholder wealth related measures and operational safety, soundness and risk management initiatives and results. 

 It is the intent of the Company Board that, whenever possible, Performance Goal achievement is measured in terms of the Company’s performance ranking against peer organizations. This reduces the possibility that
awards will be paid for performance that meets internally developed goals but which ignores the competitive environment. The peer group of organizations for the Plan Year is determined by the Company Board annually when the Performance Goals are
established. If a peer group member ceases to exist during a Plan Year, no replacement member shall be selected for that Plan Year unless done so within the first 90 days of the Plan Year. 
  

 - 2 - 

 In those instances where degrees of performance against goals cannot be measured on a sliding scale and
performance is limited to the accomplishment or lack of accomplishment, then performance is determined on a “Pass/Fail” basis. Awards for performance against such goals may not exceed 100% of the target award for that component of the
total Target Award. 
  

	 	b.	Performance Scorecards—A performance scorecard which includes the Performance Goals and Target Award for the Plan Year is developed for and given to each participant no
later than April 30 of the Plan Year. All participants share the same Performance Goals but have different Target Awards based on their positions and competitive practice. 

 In developing the scorecard, the Company Board establishes the weighting of each Performance Goal as a percentage of the total Target Award. Each
Performance Goal is multiplied by its weighting percentage to determine the Target Award component for that Performance Goal. 
 Within the first 2- 1/2
 months after the Plan Year, the Company Board determines the extent, if any, to which the Performance Goals were met for the Plan Year and certifies such satisfaction of the Performance
Goals in the Company’s records. 
 After results against a Performance Goal have been determined, its weighting percentage is
multiplied by a Payout Factor derived from the Payout Scale. This determines the Performance Factor for that Performance Goal. The Performance Factor is multiplied by the Target Award for that Performance Goal to determine the percentage of the
Target Award attributable to that Performance Goal to be paid (subject to meeting the Aggregate Performance Factor Threshold below). 
 In
order for any award to be paid for a Plan Year, the sum of the individually determined percentages of the total Target Award earned for the Plan Year on the scorecard, must be at least equal to the threshold level established in the Payout Scale
(the “Aggregate Performance Threshold”). 
  

	7.	NO PROMISE OR CONTRACT—The earning and payment of compensation under the Plan for one Plan Year does not constitute the promise of future payment or continued
participation in the Plan. Neither does it confer upon any participant the right to continue as an employee of the Company or a Participating Affiliate. 

  

	8.	 AMENDMENT, MODIFICATION, SUSPENSION OR TERMINATION OF THE PLAN—The Company Board may amend, modify, suspend or terminate the Plan for any purpose
permitted or required by law except that the Plan may not be amended to change any material or substantive feature more than once during any 12 month period except as may be necessitated by changes in the regulations and statutes under which the
Plan is 

  

 - 3 - 

	 	 
required to operate. However, the incentive program for any Plan Year may not be terminated or suspended after the end of the Plan Year. The Company Board
will seek shareholder approval of any amendment to the Plan if such approval is determined to be required or advisable by the regulations of the Securities and Exchange Commission, the Internal Revenue Service, the rules of any stock exchange on
which the Company’s stock is listed or other applicable law. 

  

	9.	EFFECTIVE DATE—The Plan is effective as of January 1, 2007; provided however, that with respect to the 2007 Plan Year only, the provisions of the Plan
requiring action within the first 90 days or by April 30 of the Plan Year will not apply. 

 The previously approved Payout
Scales for the 2007 Plan Year is attached to this document as Exhibit A and the previously approved Performance Goals and Weightings for the 2007 Plan Year is attached to this document as Exhibit B. 
 Approved by the Board of Directors of 
 Virginia Financial Group, Inc.

 on July 17, 2007, with approval 
 of the 2007 incentive
program 
 goals and measures by the 
 Board of Directors on
May 14, 2007 
  

 - 4 - 

 Exhibit A 
 2007 Executive Incentive Plan Payout Scales 
 Peer Ranking Payout Scale 
  

			
	 Performance
 Goal Peer
 Ranking
	  	 Performance
 Factor

	 1
	  	200%
	 2
	  	180%
	 3
	  	160%
	 4
	  	140%
	 5
	  	120%
	 6
	  	100%
	 7
	  	80%
	 8
	  	60%
	 9
	  	40%
	 10
	  	20%
	 <10
	  	0%

 Pass/ Fail Payout Scale 
  

			
	 Performance
 Goal
	  	 Performance
 Factor

	Pass	  	100%
	Fail	  	0%

 Aggregate Performance Threshold 
 20% 

 Exhibit B 
 2007 Performance Goals and Weightings 
  

							
	 Measurement
	  	 Type of Measure
	  	 Targeted Performance
	  	 Weighting

	Earnings Per Share Growth	  	Peer Ranking	  	6th	  	35%
	Balance Sheet Growth	  	Peer Ranking	  	6th	  	35%
	Regulatory Exams	  	Pass/Fail	  	Pass	  	10%
	Credit Quality	  	Peer Ranking	  	6th	  	10%
	Stock Price Growth	  	Peer Ranking	  	6th	  	10%

  

 - 6 -Amendment No. 1 to Amended and Restated Credit Agreement

 Exhibit 10.1 
 EXECUTION COPY 
 AMENDMENT NO. 1, TO
AMENDED AND RESTATED CREDIT AGREEMENT 
 This
AMENDMENT NO. 1 to AMENDED AND RESTATED CREDIT AGREEMENT, dated as of June 25, 2007 (this “Amendment”), is entered
into among JohnsonDiversey, Inc., a Delaware corporation (the “Borrower”), JohnsonDiversey Holdings, Inc., a Delaware corporation (“Holdings”), and Citicorp USA, Inc., as Administrative Agent (as defined below) on
behalf each Lender executing a Lender Consent (as defined below), and amends the Amended and Restated Credit Agreement, dated as of December 16, 2005 (as the same may be amended, restated, supplemented or otherwise modified from time to time,
the “Credit Agreement”), among the Borrower, Holdings, the Lenders and Issuers (in each case as defined therein) party thereto, Citicorp USA, Inc., as administrative agent for the Lenders and the Issuers (in such capacity, and as
agent for the Secured Parties under the other Loan Documents, the “Administrative Agent”), Goldman Sachs Credit Partners L.P., as Syndication Agent for the Lenders and the Issuers, and JPMorgan Chase Bank, N.A., General Electric
Capital Corporation and National City Bank as Co-Documentation Agents for the Lenders and Issuers. Capitalized terms used herein and not otherwise defined herein shall have the meanings ascribed to them in the Credit Agreement. 
 WITNESSETH: 
 WHEREAS, the
Borrower has requested that the Lenders agree to reduce the rate of interest applicable to the Term Loans; 
 WHEREAS, the Borrower has
requested that the Administrative Agent and the Requisite Lenders amend the Credit Agreement as set forth herein; 
 WHEREAS, pursuant to
Section 11.1(a) (Amendments, Waivers, Etc.) of the Credit Agreement, the consent of each Tranche B Lender and each Delayed Draw Term Lender (collectively, the “Term Loan Lenders”) is required to effect the
amendments set forth herein; and 
 WHEREAS, the Lenders party to the attached Acknowledgement and Consent of Lenders to this Amendment (the
“Lenders’ Consent”) constituting all of the Term Loan Lenders (other than the Term Loan Lenders that are Non-Consenting Lenders) and the Requisite Lenders, and the Administrative Agent agree, subject to the limitations and
conditions set forth herein, to amend the Credit Agreement as set forth herein; and 
 NOW, THEREFORE, in
consideration of the premises and the covenants and obligations contained herein the parties hereto agree as follows: 
 Section 1. Amendments to the Credit Agreement 
 Effective as of the Amendment Effective Date (as defined below)
and subject to the satisfaction (or due waiver) of the conditions set forth in Section 2 (Conditions Precedent to the Effectiveness of this Amendment) hereof, the Credit Agreement is hereby amended as follows: 
 (a) by amending and restating clause (a) of the definition of “Applicable Margin” in Section 1.1 (Defined Terms)
thereof to read as follows: 
 (a) with respect to Tranche B Loans and Delayed Draw Term Loans maintained as (i) Base
Rate Loans, a rate equal to 1.00% per annum and (ii) Eurocurrency Rate Loans, a rate equal to 2.00% per annum and 

 AMENDMENT NO. 1 TO CREDIT
AGREEMENT 
  

 (b) by inserting the following new definition in Section 1.1 (Defined Terms) thereof in
alphabetical order: 
 “Repricing Prepayment” means the aggregate outstanding principal
amount of Term Loans of any Lender that is prepaid by the Borrower with the proceeds of a substantially concurrent incurrence by the Company or any of its Subsidiaries of new replacement term loans that have a yield (whether comprised of interest
rate, margins, fees that are payable to the Tranche B Lenders and/or the Delayed Draw Term Lenders and/or original issue discounts) or premiums lower than the yield or premiums, as applicable, in effect for the Term Loans immediately prior to such
prepayment; provided, however, that the prepayment of the Term Loans in connection with the refinancing of all of the Facilities resulting in the termination of this Agreement shall not be deemed a Repricing
Prepayment. For purposes of this Agreement, original issue discounts shall be equated to interest rates in a manner reasonably determined by the Administrative Agent and consistent with generally accepted financial practice, based on an assumed
four-year average life to maturity.” 
 (c) by inserting the following new clause (d) in Section 2.8 (Optional
Prepayments) thereof: 
 (d) Notwithstanding anything to the contrary contained herein, in the event any Tranche B
Lender or Delayed Draw Term Lenders receives any Repricing Prepayment for which notice was given on or prior to June 25, 2008, then each such Repricing Prepayment shall be accompanied by a prepayment premium equal to 1.00% of such Repricing
Prepayment. 
 (d) by inserting the following new clause (e) in Section 2.12 (Fees) thereof: 
 (d) Repricing Fee. In the event that, pursuant to any amendment or modification of the Credit Agreement, any
interest rate margin applicable to the Term Loans is reduced at any time after the Amendment Effective Date and prior to June 25, 2008, on the date such amendment or modification becomes effective, the Borrower shall pay to each Tranche B
Lender and each Delayed Draw Term Lender, without duplication of any amounts payable under Section 2.8(d) (Optional Prepayments) or the proviso to the first sentence of Section 11.1(c) (Amendments, Waivers,
Etc.), an amount equal to 1.00% of such Lender’s Ratable Portion of the aggregate principal amount of the Term Loans then outstanding. 
 (e) by amending and restating clause (c) of Section 11.1 (Amendments, Waivers, Etc.) thereof to read as follows: 
 (c) If, in connection with any proposed amendment, modification, waiver or termination (a “Proposed Change”)
requiring the consent of all affected Lenders, the consent of Requisite Lenders is obtained but the consent of other Lenders 

  

 - 2 - 

 AMENDMENT NO. 1 TO CREDIT
AGREEMENT 
  

 
whose consent is required is not obtained (any such Lender whose consent is not obtained as described in this Section 11.1 being referred to as a
“Non-Consenting Lender”), then, so long as the Lender acting as the Administrative Agent is not a Non-Consenting Lender, at the Borrower’s request, the Administrative Agent or an Eligible Assignee acceptable to the
Administrative Agent and, prior to an Event of Default that is continuing, the Borrower, shall have the right with the Administrative Agent’s consent and in the Administrative Agent’s sole discretion (but shall have no obligation) to
purchase from such Non-Consenting Lender, and such Non-Consenting Lender agrees that it shall, upon the Administrative Agent’s request, sell and assign to the Lender acting as the Administrative Agent or such Eligible Assignee, all of the
Revolving Credit Commitments and Revolving Credit Outstandings of such Non-Consenting Lender if such Non-Consenting Lender is a Revolving Credit Lender, all of the Tranche B Term Loans of such Non-Consenting Lender if such Non-Consenting Lender is a
Tranche B Term Loan Lender and all of the Delayed Draw Term Commitments or Delayed Draw Term Loans of such Non-Consenting Lender if such Non-Consenting Lender is a Delayed Draw Term Lender, in each case for an amount equal to the principal balance
of all such Revolving Loans, Tranche B Term Loans or Delayed Draw Term Loans, as applicable, held by the Non-Consenting Lender and all accrued interest and fees with respect thereto through the date of sale; provided, that,
in the event any such proposed amendment, modification, waiver, consent or other change (i) reduces the yield (whether comprised of interest rate, margins, fees, original issue discounts or otherwise) payable hereunder to any Term Loan Lender
and (ii) becomes effective on or prior to June 25, 2008, the purchase price payable to any Term Loan Lender that is a Non-Consenting Lender in connection with such proposed change shall be increased by 1.00% of such Non-Consenting
Lender’s Ratable Portion of the aggregate principal amount of the Term Loans then outstanding. Each Lender agrees that, if it becomes a Non-Consenting Lender, such purchase and sale shall be consummated pursuant to an executed
Assignment and Acceptance; provided, however, that the failure of any Non-Consenting Lender to execute an Assignment and Acceptance shall not render such purchase and sale (and the corresponding
assignment) invalid and such assignment shall be recorded in the Register. 
 Section 2. Conditions Precedent to the
Effectiveness of this Amendment 
 This Amendment shall become effective as of the date first written above when, and only when, each
of the following conditions precedent shall have been satisfied (the “Amendment Effective Date”) or duly waived by the Administrative Agent: 
 (a) Certain Documents. The Administrative Agent shall have received each of the following, each dated the Amendment Effective Date (unless otherwise agreed by the Administrative Agent), in form and substance
satisfactory to the Administrative Agent: 
 (i) this Amendment, duly executed by the Borrower, Holdings and the
Administrative Agent; 
  

 - 3 - 

 AMENDMENT NO. 1 TO CREDIT
AGREEMENT 
  

 (ii) the Consent and Agreement, in the form attached hereto as Exhibit A
(each, a “Subsidiary Consent”), executed by each of the Subsidiary Guarantors; 
 (iii) the
Acknowledgment and Consent, in the form attached hereto as Exhibit B (each, a “Lender Consent”), executed by each Term Loan Lender (other than the Term Loan Lenders that are Non-Consenting Lenders); 
 (iv) a certificate of a Responsible Officer to the effect that each of the conditions set forth in clauses (b), (c),
(d) and (e) below has been satisfied; and 
 (v) such additional documentation as the Lenders party to
the Lenders’ Consent or the Administrative Agent may reasonably require; 
 (b) Corporate and Other Proceedings. All corporate
and other proceedings, and all documents, instruments and other legal matters in connection with the transactions contemplated by this Amendment shall be satisfactory in all respects to the Administrative Agent and each Lender; 
 (c) Representations and Warranties. Each of the representations and warranties contained in Article IV (Representations and Warranties)
of the Credit Agreement, the other Loan Documents or in any certificate, document or financial or other statement furnished at any time under or in connection therewith are true and correct in all material respects on and as of the date hereof
and the Amendment Effective Date, in each case as if made on and as of such date and except to the extent that such representations and warranties specifically relate to a specific date, in which case such representations and warranties shall be
true and correct in all material respects as of such specific date; provided, however, that references therein to the “Credit Agreement” shall be deemed to refer to the Credit Agreement as amended by this Amendment and
after giving effect to the consents and waivers set forth herein; 
 (d) No Default or Event of Default. After giving effect to this
Amendment, no Default or Event of Default (except for those that may have been duly waived) shall have occurred and be continuing, on the Amendment Effective Date; 
 (e) No Litigation. No litigation shall have been commenced against any Loan Party or any of its Subsidiaries, on the Amendment Effective Date, seeking to restraint or enjoin (whether temporarily, preliminarily
or permanently) the performance of any action by any Loan Party required or contemplated by this Amendment or the Credit Agreement or any Loan Document, in either case as amended hereby; and 
 (f) Fees and Expenses Paid. The Borrower shall have paid all Obligations due, after giving effect to this Amendment, on or before the Amendment
Effective Date including, without limitation, the fees set forth in Section 4 (Fees and Expenses) hereof and all costs and expenses of the Administrative Agent in connection with the preparation, reproduction, execution and delivery of
this Amendment and all other Loan Documents entered into in connection herewith (including, without limitation, the reasonable fees and out-of-pocket expenses of counsel for the Administrative Agent with respect thereto and all other Loan Documents)
and all other costs, expenses and fees due under any Loan Document. 
  

 - 4 - 

 AMENDMENT NO. 1 TO CREDIT
AGREEMENT 
  

 Section 3. Representations and Warranties 
 On and as of the Amendment Effective Date, after giving effect to this Amendment, the Borrowers and Holdings hereby represents and warrants to the
Administrative Agent and each Lender as follows: 
 (a) this Amendment and the Subsidiary Consents have been duly authorized, executed and
delivered by the Borrower, Holdings and each Guarantor, as applicable, and constitutes a legal, valid and binding obligation of the Borrower, Holdings and each Guarantor, as applicable, enforceable against the Borrower, Holdings and each Guarantor,
as applicable, in accordance with their terms and the Credit Agreement as amended by this Amendment and constitutes the legal, valid and binding obligation of the Borrower, Holdings and each Guarantor, enforceable against the Borrower and each
Guarantor in accordance with its terms; 
 (b) each of the representations and warranties contained in Article IV (Representations
and Warranties) of the Credit Agreement, the other Loan Documents or in any certificate, document or financial or other statement furnished at any time under or in connection therewith are true and correct in all material respects on and as of
the Amendment Effective Date as if made on and as of such date and except to the extent that such representations and warranties specifically relate to a specific date, in which case such representations and warranties shall be true and correct in
all material respects as of such specific date; provided, however, that references therein to the “Credit Agreement” shall be deemed to refer to the Credit Agreement as amended hereby and after giving effect to the
consents and waivers set forth herein; 
 (c) no Default or Event of Default has occurred and is continuing (except for those that are duly
waived); and 
 (d) no litigation has been commenced against any Loan Party or any of its Subsidiaries seeking to restraint or enjoin
(whether temporarily, preliminarily or permanently) the performance of any action by any Loan Party required or contemplated by this Amendment, the Credit Agreement or any Loan Document, in each case as amended hereby (if applicable). 
 Section 4. Fees and Expenses 
 The Borrower and each other Loan Party agrees to pay on demand in accordance with the terms of Section 11.3 (Costs and Expenses) of the Credit Agreement all costs and expenses of the Administrative Agent in connection with the
preparation, reproduction, execution and delivery of this Amendment and all other Loan Documents entered into in connection herewith (including, without limitation, the reasonable fees and out-of-pocket expenses of counsel for the Administrative
Agent with respect thereto and all other Loan Documents). 
 Section 5. Reference to the Effect on the Loan Documents 

 (a) Each reference in the Credit Agreement to “this Agreement,” “hereunder,” “hereof,”
“herein,” or words of like import, and each reference in the other Loan Documents to the Credit Agreement (including, without limitation, by means of words like “thereunder”, “thereof” and words of
like import), shall mean and be a reference to the Credit Agreement as amended hereby, and this Amendment and the Credit Agreement shall be read together and construed as a single instrument. Each of the table of contents and lists of Exhibits and
Schedules of the Credit Agreement shall be amended to reflect the changes made in this Amendment as of the Amendment Effective Date. 
  

 - 5 - 

 AMENDMENT NO. 1 TO CREDIT
AGREEMENT 
  

 (b) Except as expressly amended hereby or specifically waived above, all of the terms and provisions
of the Credit Agreement and all other Loan Documents are and shall remain in full force and effect and are hereby ratified and confirmed. 
 (c) The execution, delivery and effectiveness of this Amendment shall not, except as expressly provided herein, operate as a waiver of any right, power or remedy of the Lenders, Issuers, Arranger or the Administrative Agent under any of the
Loan Documents, nor constitute a waiver or amendment of any other provision of any of the Loan Documents or for any purpose except as expressly set forth herein. 
 (d) This Amendment is a Loan Document. 
 Section 6. Execution in Counterparts 

This Amendment may be executed in any number of counterparts and by different parties in separate counterparts, each of which when so executed shall be
deemed to be an original and all of which taken together shall constitute one and the same agreement. Signature pages may be detached from multiple separate counterparts and attached to a single counterpart so that all signature pages are attached
to the same document. Delivery of an executed counterpart by telecopy shall be effective as delivery of a manually executed counterpart of this Amendment. 
 Section 7. Governing Law 
 This Amendment shall be governed by and construed in accordance
with the law of the State of New York. 
 Section 8. Section Titles 
 The section titles contained in this Amendment are and shall be without substantive meaning or content of any kind whatsoever and are not a part of the
agreement between the parties hereto, except when used to reference a section. Any reference to the number of a clause, sub-clause or subsection of any Loan Document immediately followed by a reference in parenthesis to the title of the section of
such Loan Document containing such clause, sub-clause or subsection is a reference to such clause, sub-clause or subsection and not to the entire section; provided, however, that, in case of direct conflict between the reference to the
title and the reference to the number of such section, the reference to the title shall govern absent manifest error. If any reference to the number of a section (but not to any clause, sub-clause or subsection thereof) of any Loan Document is
followed immediately by a reference in parenthesis to the title of a section of any Loan Document, the title reference shall govern in case of direct conflict absent manifest error. 
 Section 9. Notices 
 All
communications and notices hereunder shall be given as provided in the Credit Agreement or, as the case may be, the Guaranty. 
 Section 10. Severability 
 The fact that any term or provision of this Agreement is held invalid, illegal or
unenforceable as to any person in any situation in any jurisdiction shall not affect the validity, enforceability or legality of the remaining terms or provisions hereof or the 

  

 - 6 - 

 AMENDMENT NO. 1 TO CREDIT
AGREEMENT 
  

 
validity, enforceability or legality of such offending term or provision in any other situation or jurisdiction or as applied to any person. 
 Section 11. Successors 
 The terms of this Amendment shall be binding upon, and shall inure to the benefit of, the parties hereto and their respective successors and assigns. 
 Section 12. Waiver of Jury Trial 
 EACH OF
THE PARTIES HERETO IRREVOCABLY WAIVES TRIAL BY JURY IN ANY ACTION OR
PROCEEDING WITH RESPECT TO THIS AMENDMENT OR ANY OTHER LOAN DOCUMENT. 
 [SIGNATURE PAGES FOLLOW] 
  

 - 7 - 

 IN WITNESS WHEREOF, the parties hereto have caused
this Amendment to be executed by their respective officers and general partners thereunto duly authorized, as of the date first written above. 
  

			
	JOHNSONDIVERSEY, INC.,
	as Borrower
		
		 	 /s/ Lori P. Marin

	Name:	 	Lori P. Marin
	Title:	 	Vice President and Corporate Treasurer
	
	 JOHNSONDIVERSEY HOLDINGS, INC.,
 as Holdings

		
		 	 /s/ Lori P. Marin

	Name:	 	Lori P. Marin
	Title:	 	Treasurer

 [SIGNATURE PAGE TO AMENDMENT
NO. 1] 

			
	 CITICORP USA INC.,
 as Administrative Agent

		
	By:	 	 /s/ Michelle Seguin

	Name:	 	Michelle Seguin
	Title:	 	Vice President, Citicorp, N.A. - Chicago

 [SIGNATURE PAGE TO AMENDMENT
NO. 1]

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