Document:

Second Amendment to Agreement

 Exhibit 10.59 
 SECOND AMENDMENT TO AGREEMENT 
 This Second Amendment to Agreement, shall amend the November 1,
2005 Agreement, as previously amended by Amendment to Agreement, effective January 27, 2006, by and between Mercury Interactive Corporation (“Mercury”) and Amnon Landan (“Landan”), copies of which are attached hereto. Except
as amended, the November 1, 2005 Agreement, as previously amended by Amendment to Agreement, effective January 27, 2006, shall remain in full force and effect. 
 WHEREAS, a dispute (the “Option Dispute”) exists between Mercury and Landan as to Landan’s exercise rights with respect options to acquire 437,500 shares of Mercury common stock that were granted with a
record grant date of January 3, 2003 (“2003 Options”), including without limitation the effect on such rights of the Amendment to Agreement. 
 WHEREAS, Mercury has various pending claims against Landan unrelated to Landan’s Options (the “Mercury Claims”); 
 WHEREAS, on July 15, 2006 an agreement was reached by the parties on a basis for settling the Option Dispute, effective as of such date; and 
 WHEREAS, the parties desire to memorialize such agreement by entering into this Second Amendment setting forth the terms thereof. 
 Now, therefore, in consideration of the covenants undertaken and contained herein, the adequacy of which is herein acknowledged, the parties agree as
follows: 
 1. Landan agrees not to exercise the 2003 Options and agrees that he no longer will have any right to or interest in the 2003
Options or any value from the 2003 Options, except as specifically set forth herein. 
 2. Mercury agrees that if on or before the Cutoff
Date (as defined below) Mercury and Landan reach a settlement as to Mercury’s pending claims against Landan, Landan will receive against any amount that Landan agrees to pay Mercury a credit of the lesser of (i) the Settlement Amount or
(ii) $2,817,500, which is the difference between the exercise price of the 2003 Options ($31.41 per share) and the closing price of an equivalent number of shares of 
  

			
	SECOND AMENDMENT TO AGREEMENT	  	PAGE 1

 Mercury stock on July 14, 2006 ($37.85 per share). For purposes hereof, the “Cutoff Date” means the later
of March 15, 2007 or such other date on which such credit can be granted without subjecting Landan to liability for additional tax under Section 409A of the Internal Revenue Code of 1986, as amended, as interpreted by Treasury Regulations
and other guidance issued by the Internal Revenue Service. 
 3. Nothing contained in this Second Amendment to Agreement shall be deemed as
an admission by any party. 
 4. This Second Amendment to Agreement shall not be deemed to constitute a waiver of any rights, claims or
defenses of any of the parties, other than with respect to the return and cancellation of the 2003 Options as set forth in Paragraph 1, above, and the credit that Landan would receive in connection with a Settlement, as set forth in Paragraph 2,
above. Except as expressly provided herein, the November 1, 2005 Agreement, as previously amended by Amendment to Agreement, effective January 27, 2006, and this Second Amendment to Agreement do not constitute a release of any claims that
either party may have against the other. Nothing in this Second Amendment is intended to limit the parties’ existing arbitration rights, claims or defenses including but not limited to rights, claims or defenses under the November 1, 2005
Agreement, as previously amended by Amendment to Agreement, effective January 27, 2006, or Landan’s Employment Agreement, except as expressly set forth herein. 
 5. This Second Amendment to Agreement can be modified only in writing signed by the parties. This Second Amendment to Agreement shall constitute the entire understanding between the parties concerning the 2003 Options
and supersede and replaces all prior negotiations, proposed agreements, and agreements, written or oral, relating to the 2003 Options. 
 6.
Both parties agree to cooperate with the other in taking any steps required to finalize this Second Amendment to Agreement. 
 7. Mercury and
Landon do not intend by this Agreement to create a deferred compensation arrangement that is subject to Code Section 409A. 
  

			
	SECOND AMENDMENT TO AGREEMENT	  	PAGE 2

 8. Both parties have cooperated in the drafting and preparation of this Second Amendment to Agreement.
Hence, in any construction to be made of this Second Amendment to Agreement, the same shall not be construed against any party on the basis that the party was the drafter. 
 9. This Second Amendment to Agreement may be executed in one or more counterparts, each of which shall constitute an original, and all of which shall
constitute one instrument. 
 10. In entering into this Second Amendment to Agreement, the parties represent that they have relied upon the
advice of their attorneys, who are attorneys of their own choice, and that the terms of this Second Amendment to Agreement have been completely read and explained to them by their attorneys, and that those terms are fully understood and voluntarily
accepted by them. 
 11. Notice to Landan under the November 1, 2005 Agreement, as previously amended by Amendment to Agreement,
effective January 27, 2006, and this Second Amendment to Agreement may be effected by hand delivery to Landan’s attorney, Jonathan Cohen at Winston & Strawn LLP, 101 California Street, 39th Floor, San Francisco, CA 94111. Notice
to Mercury may be effected by hand delivery to its attorney, Daniel Bookin at O’Melveny & Meyers, Embarcadero Center West, San Francisco, CA 94111. 
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	SECOND AMENDMENT TO AGREEMENT	  	PAGE 3

 I have read the foregoing Agreement, and I accept and agree to the provisions it contains and hereby
execute it voluntarily with full understanding of its consequences. 
  

			
	MERCURY INTERACTIVE CORPORATION
		
	By:	 	 /s/ Clyde Ostler

	Title:	 	Special Committee Chairman
	
	Dated:
	
	AMNON LANDAN
		
	By:	 	 /s/ Amnon Landan

	
	Dated: July 28, 2006

  

			
	SECOND AMENDMENT TO AGREEMENT	  	PAGE 4Amendment to Bylaws of Heritage Bankshares, Inc.

 EXHIBIT 10.11 
 Amendment to Bylaws 
 The second grammatical paragraph of Section 2.4 of the Bylaws of the Corporation is
amended to read in its entirety as follows: 
 “Any director, upon reaching the age of seventy-five (75) years, shall, effective
upon the expiration of the term for which he or she is elected, relinquish active directorship and shall become a Director Emeritus with such rights and privileges attendant thereto as are established from time to time by the Board of
Directors.”First Amendment to the Tax Credit Warehousing Agreement

 Exhibit 10.3.3 
 AMENDMENT NO. 1 
 TO 
 FIFTH AMENDED AND RESTATED REVOLVING LOAN AND
LETTER OF CREDIT AGREEMENT 
 This Amendment No. 1 (this
“Amendment”) is entered into as of May 3, 2006, among: the two entities included among the Borrower as listed on Exhibit A attached hereto (individually, and collectively, jointly and severally, the “Borrower”); the
several entities included among the Guarantors as listed on Exhibit A attached hereto (each, individually, a “Guarantor,” and collectively, jointly and severally, the “Guarantors”); the several entities included among the
Banks as listed on Exhibit A attached hereto (each, individually, a “Bank” and collectively, but not jointly, the “Banks”); and Bank of America, N.A. (“Bank of America”), as agent for the Banks (in such capacity,
the “Agent”). 
 RECITALS 
 Reference is made to the following facts that constitute the background of this amendment: 
  

	 	A.	The parties hereto have entered into that certain Fifth Amended and Restated Revolving Loan and Letter of Credit Agreement dated as of November 4, 2005 (as amended and/or
restated from time to time, the “Loan Agreement”). Capitalized terms used herein and not otherwise defined herein shall have the same meanings herein as ascribed to them in the Loan Agreement; 

  

	 	B.	The Borrower has requested that the Banks increase the advance sublimit applicable to Direct Investments in Property Partnerships approved by the Agent despite incorporation of
Agency approval rights (the “Agency Sublimit”) from 10% of the Maximum Amount to 15% of the Maximum Amount; and 

  

	 	C.	The Banks and the Agent are willing to amend the Loan Agreement solely upon the terms and conditions set forth in this Amendment. 

 NOW, THEREFORE, in consideration of the foregoing recitals and of the representations, warranties, covenants and conditions set forth herein and in the
Loan Agreement, and for other valuable consideration the receipt and adequacy of which is hereby acknowledged, the parties agree as follows: 
 Section 1. Amendment. In accordance with the terms of Section 8.1 of the Loan Agreement, Section 2.11.8 of the Loan Agreement is hereby amended by replacing the term “10%” with “15%”. Exhibit
3.2 to the Loan Agreement is hereby replaced in its entirety with Exhibit 3.2 as attached hereto as Exhibit B (the only change to which is the revision of the Agency Sublimit in Section II thereof). 
 Section 2. Representations and Warranties. The Borrower and Guarantors, jointly and severally, represent and warrant to the Banks as
of the effective date of this Amendment that: (a) no Default or Event of Default has occurred and is continuing or results from the execution and delivery of this Amendment or the consummation of any transactions contemplated hereby;
(b) each of the representations and warranties of the Borrower and the 

 Guarantors in the Loan Agreement and the other Credit Documents is true and correct in all material respects on the
effective date of this Amendment (except for representations and warranties limited as to time or with respect to a specific event, which representations and warranties shall continue to be limited to such time or event) and (c) this Amendment
and the Loan Agreement (as amended by this Amendment) are legal, valid and binding agreements of the Borrower and the Guarantors and are enforceable against them in accordance with their terms. 
 Section 3. Ratification. Except as hereby amended or waived, the Loan Agreement, all other Credit Documents and each provision thereof
are hereby ratified and confirmed in every respect and shall continue in full force and effect, and this Amendment shall not be, and shall not be deemed to be, a waiver of any Default or Event of Default or of any covenant, term or provision of the
Loan Agreement or the other Credit Documents. In furtherance of the foregoing ratification, by executing this Amendment in the spaces provided below, each of the Guarantors, on a joint and several basis, hereby absolutely and unconditionally
(a) reaffirms its obligations under the Guaranty, and (b) absolutely and unconditionally consents to (i) the execution and delivery by the Borrower of this Amendment, (ii) the continued implementation and consummation of
arrangements and transactions contemplated by the Loan Agreement (including, without limitation, as amended or waived hereby) and the other Credit Documents, and (iii) the performance and observance by the Borrower and each Guarantor of all of
its respective agreements, covenants, duties and obligations under the Loan Agreement (including, without limitation, as amended or waived hereby) and the other Credit Documents. 
 Section 4. Conditions Precedent. The agreements set forth in this Amendment are conditional and this Amendment shall not be effective
until receipt by the Agent of a fully-executed counterpart original of this Amendment. 
 Section 5. Counterparts. This
Amendment may be executed and delivered in any number of counterparts with the same effect as if the signatures hereto and thereto were upon the same instrument. 
 Section 6. Amendment as Credit Document. Each party hereto agrees and acknowledges that this Amendment constitutes a “Credit Document” under and as defined in the Loan Agreement.

 SECTION 7. GOVERNING LAW. THIS AMENDMENT SHALL BE DEEMED TO CONSTITUTE A CONTRACT MADE UNDER THE LAWS OF THE STATE OF
NEW YORK, INCLUDING ARTICLE 5 OF THE UCC, AND SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS OF THE STATE OF NEW YORK (INCLUDING SECTIONS 5-1401 AND 5-1402 OF THE GENERAL OBLIGATIONS LAW, BUT OTHERWISE WITHOUT REGARD TO ITS
CONFLICTS OF LAW RULES). 
 Section 8. Successors and Assigns. This Amendment shall be binding upon each of the Borrower,
the Guarantors, the Banks, the Agent and their respective successors and assigns, and shall inure to the benefit of each of the Borrower, the Guarantors, the Banks and the Agent. 
  

 - 2 - 

 Section 9. Headings. Section headings in this Amendment are included herein for
convenience of reference only and shall not constitute a part of this Amendment for any other purpose. 
 Section 10.
Expenses. Each Borrower jointly and severally agrees to promptly reimburse the Agent and the Banks for all expenses, including, without limitation, reasonable fees and expenses of outside legal counsel, it has heretofore or hereafter incurred
or incurs in connection with the preparation, negotiation and execution of this Amendment and all other instruments, documents and agreements executed and delivered in connection with this Amendment. 
 Section 11. Integration. This Amendment contains the entire understanding of the parties hereto with regard to the subject matter
contained herein. This Amendment supersedes all prior or contemporaneous negotiations, promises, covenants, agreements and representations of every nature whatsoever with respect to the matters referred to in this Amendment, all of which have become
merged and finally integrated into this Amendment. Each of the parties hereto understands that in the event of any subsequent litigation, controversy or dispute concerning any of the terms, conditions or provisions of this Amendment, no party shall
be entitled to offer or introduce into evidence any oral promises or oral agreements between the parties relating to the subject matter of this Amendment not included or referred to herein and not reflected by a writing included or referred to
herein. 
 Section 12. No Course of Dealing. The Agent and the Banks have entered into this Amendment on the express
understanding with each Borrower and Guarantor that in entering into this Amendment the Agent and the Banks are not establishing any course of dealing with the Borrower or the Guarantors. The Agent’s and the Banks’ rights to require strict
performance with all of the terms and conditions of the Loan Agreement and the other Credit Documents shall not in any way be impaired by the execution of this Amendment. None of the Agent and the Banks shall be obligated in any manner to execute
any further amendments or waivers and if such waivers or amendments are requested in the future, assuming the terms and conditions thereof are satisfactory to them, the Agent and the Banks may require the payment of fees in connection therewith.
Each of the Borrower and the Guarantors agrees that none of the ratifications and reaffirmations set forth herein, nor the Agent’s nor any Bank’s solicitation of such ratifications and reaffirmations, constitutes a course of dealing giving
rise to any obligation or condition requiring a similar or any other ratification or reaffirmation from the Borrower or the Guarantors with respect to any subsequent modification, consent or waiver with respect to the Loan Agreement or any other
Credit Document. 
 [Remainder of page intentionally left blank; signature pages follow] 
  

 - 3 - 

 IN WITNESS WHEREOF, the parties have caused this Amendment No. 1 to be duly executed by their duly
authorized officers or representatives, all as of the date first above written. 
  

									
	BORROWER:	 	MMA FINANCIAL WAREHOUSING, LLC	 	
				
		 	By:	 	MMA Equity Corporation, its sole member	 	
					
		 		 	By:	 	 /s/ Anthony Mifsud
	 	
		 		 		 	(Signature)	 	
					
		 		 		 	 Senior Vice President and Treasurer
	 	
		 		 		 	(Printed Name and Title)	 	
			
		 	MMA FINANCIAL BOND WAREHOUSING, LLC	 	
				
		 	By:	 	MMA Equity Corporation, its managing member	 	
					
		 		 	By:	 	 /s/ Anthony Mifsud
	 	
		 		 		 	(Signature)	 	
					
		 		 		 	 Senior Vice President and Treasurer
	 	
		 		 		 	(Printed Name and Title)	 	
			
	GUARANTORS:	 	MUNICIPAL MORTGAGE & EQUITY, LLC	 	
					
		 		 	By:	 	 /s/ Anthony Mifsud
	 	
		 		 		 	(Signature)	 	
					
		 		 		 	 Senior Vice President and Treasurer
	 	
		 		 		 	(Printed Name and Title)	 	
			
		 	MMA FINANCIAL HOLDINGS, INC.	 	
					
		 		 	By:	 	 /s/ Anthony Mifsud
	 	
		 		 		 	(Signature)	 	
					
		 		 		 	 Senior Vice President and Treasurer
	 	
		 		 		 	(Printed Name and Title)	 	

 (Signatures continued on next page) 

							
	 GUARANTORS
 (CONT.):
	 	MMA EQUITY CORPORATION
				
		 		 	By:	 	 /s/ Anthony Mifsud

		 		 		 	(Signature)
				
		 		 		 	 Anthony Mifsud, SVP and Treasurer

		 		 		 	(Printed Name and Title)
		
		 	MMA FINANCIAL TC CORP.
				
		 		 	By:	 	 /s/ Anthony Mifsud

		 		 		 	(Signature)
				
		 		 		 	 Anthony Mifsud, SVP and Treasurer

		 		 		 	(Printed Name and Title)
		
		 	MMA FINANCIAL BFGLP, LLC
			
		 	By:	 	MMA Financial TC Corp., its sole member
				
		 		 	By:	 	 /s/ Anthony Mifsud

		 		 		 	(Signature)
				
		 		 		 	 Anthony Mifsud, SVP and Treasurer

		 		 		 	(Printed Name and Title)
		
		 	MMA FINANCIAL BFRP, INC.
				
		 		 	By:	 	 /s/ Anthony Mifsud

		 		 		 	(Signature)
				
		 		 		 	 Anthony Mifsud, SVP and Treasurer

		 		 		 	(Printed Name and Title)
		
		 	MMA SPECIAL LIMITED PARTNER, INC.
				
		 		 	By:	 	 /s/ Anthony Mifsud

		 		 		 	(Signature)
				
		 		 		 	 Anthony Mifsud, SVP and Treasurer

		 		 		 	(Printed Name and Title)

 (Signatures continued on next page) 

							
	 GUARANTORS
 (CONT.):
	 	MMA FINANCIAL BFG INVESTMENTS, LLC
			
		 	By:	 	MMA Financial TC Corp., its managing member
				
		 		 	By:	 	 /s/ Anthony Mifsud

				
		 		 		 	(Signature)
				
		 		 		 	 Anthony Mifsud, SVP and Treasurer

		 		 		 	(Printed Name and Title)
		
	BANKS:	 	BANK OF AMERICA, N.A., as one of the Banks
				
		 		 	By:	 	 /s/ John F. Simon

		 		 		 	(Signature)
				
		 		 		 	 John F. Simon, SVP

		 		 		 	(Printed Name and Title)
		
		 	CITICORP USA, INC., as one of the Banks
			
		 	By:	 	 /s/ Maria McKeon

		 		 	(Signature)
			
		 		 	 Maria McKeon, Vice President

		 		 	(Printed Name and Title)
		
		 	 COMERICA BANK, A MICHIGAN BANKING
 CORPORATION, as one of the Banks

			
		 	By:	 	 /s/ Lisa M. Kotula

		 		 	(Signature)
			
		 		 	 Lisa M. Kotula, Vice President

		 		 	(Printed Name and Title)

 (Signatures continued on next page) 

							
	 BANKS
 (CONT.):
	 	
		
		 	HSBC BANK USA, as one of the Banks
			
		 	By:	 	 /s/ Christopher J. Montante

		 		 	(Signature)
			
		 		 	 Christopher J. Montante, VP

		 		 	(Printed Name and Title)
		
		 	 MERRILL LYNCH COMMUNITY DEVELOPMENT
 COMPANY, LLC, as one of the Banks

			
		 	By:	 	 /s/ Michael A. Solomon

		 		 	(Signature)
			
		 		 	 Michael A. Solomon, Director

		 		 	(Printed Name and Title)
		
		 	SOVEREIGN BANK, as one of the Banks
			
		 	By:	 	 /s/ Robert S. Nickey

		 		 	(Signature)
			
		 		 	 Robert S. Nickey, Senior Vice Presiden

		 		 	(Printed Name and Title)
		
	AGENT:	 	BANK OF AMERICA, N.A., as Agent
				
		 		 	By:	 	 /s/ John F. Simon

		 		 		 	(Signature)
				
		 		 		 	 Senior Vice President

		 		 		 	(Printed Name and Title)

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