0001021771-05-000193 Sample Contracts

AMENDMENT TO CREDIT AGREEMENT
Credit Agreement • June 27th, 2005 • P&f Industries Inc • Metalworkg machinery & equipment • New York

THIS AMENDMENT TO CREDIT AGREEMENT, is entered into as of June 24, 2005 (the "Amendment"), by and among P&F INDUSTRIES, INC., a Delaware corporation ("P&F"), FLORIDA PNEUMATIC MANUFACTURING CORPORATION, a Florida corporation ("Florida Pneumatic"), EMBASSY INDUSTRIES, INC., a New York corporation ("Embassy"), GREEN MANUFACTURING, INC., a Delaware corporation ("Green"), COUNTRYWIDE HARDWARE, INC., a Delaware corporation ("Countrywide"), NATIONWIDE INDUSTRIES, INC., a Florida corporation ("Nationwide") and WOODMARK INTERNATIONAL, L.P. ("Woodmark"; and collectively with P&F, Florida Pneumatic, Embassy, Green, Countrywide and Nationwide, the "Co-Borrowers"), CITIBANK, N.A. and HSBC BANK USA, NATIONAL ASSOCIATION (formerly known as HSBC Bank USA) (collectively, the "Lenders") and CITIBANK, N.A., as Administrative Agent for the Lenders.

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