FOURTH AMENDMENT TO REVOLVING CREDIT AGREEMENT
This FOURTH AMENDMENT is dated as of the 4th day of May, 2001 and is by and between FLEET
NATIONAL BANK (successor by merger to Summit Bank) having an office at 750 Walnut Avenue, Cranford,
New Jersey 07016 (the "Bank"), and SYMS CORP., a New Jersey corporation having an address at One Syms
Way, Secaucus, New Jersey 07094 (the "Borrower").
W I T N E S S E T H:
WHEREAS, the Borrower and the Bank have entered into a Revolving Credit Agreement dated as of December
1, 1993, as amended by that certain First Amendment to Revolving Credit Agreement dated as of November 24,
1997, as further amended by that certain Second Amendment to Revolving Credit Agreement dated as of May
27, 2000, and as further amended by that certain Third Amendment to Revolving Credit Agreement dated as of
November 25, 2000 (as amended, the "Credit Agreement"); and
WHEREAS, the Borrower and the Bank have agreed to amend certain terms of the Credit Agreement as more
fully described herein.
NOW, THEREFORE, in consideration of the premises and the mutual covenants contained herein, and for other
good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties
hereto do hereby agree as follows:
1. Definitions. Except as otherwise defined herein, terms defined in the Credit Agreement shall have the same
meaning when used herein.
2. Amendment of Credit Agreement. The Credit Agreement is hereby amended as follows (all Section references
are to the corresponding Sections of the Credit Agreement):
2.1 The definition of "Bank" which appears in Section 1.1 is amended to read as follows:
"Bank" shall mean Fleet National Bank, a national banking association, and its successors and assigns.
2.2 The definition of "Consolidated EBIT" which appears in Section 1.1 is amended to read as follows:
"Consolidated EBIT" shall mean for any period, the Consolidated Net Income of the Borrower and its
Consolidated Subsidiaries, as deter