Amendment dated as of February 18, 2020 to Senior Secured Revolving Credit Agreement dated as of May 2, 2018

This FIRST AMENDMENT TO SENIOR SECURED REVOLVING CREDIT AGREEMENT, dated as of February 18, 2020 (this “Amendment”), is entered into by and among Bank of America, N.A., individually as a Lender, as administrative agent (in such capacity, “Administrative Agent”) for itself and any other financial institution which is a party hereto as a lender (each such financial institution is referred to hereinafter individually as a “Lender” and collectively as the “Lenders”), and as collateral agent (in such capacity, “Collateral Agent”) for the Lenders, the Lenders, PBF Holding Company LLC, a Delaware limited liability company (“Holdings”), Delaware City Refining Company LLC, a Delaware limited liability company (“Delaware City”), Paulsboro Refining Company LLC, a Delaware limited liability company (“Paulsboro”), Toledo Refining Company LLC, a Delaware limited liability company (“Toledo”), Chalmette Refining, L.L.C., a Delaware limited liability company (“Chalmette”), and Torrance Refining Company LLC, a Delaware limited liability company (“Torrance” and, together with Holdings, Delaware City, Paulsboro, Toledo and Chalmette, “Borrowers” and each individually, a “Borrower”) and the other Loan Parties set forth on the signature pages hereto.

WHEREAS, the Borrowers, the Lenders, the Administrative Agent and the Collateral Agent are parties to that certain Senior Secured Revolving Credit Agreement, dated as of May 2, 2018 (before giving effect to the amendments contemplated hereby, the “Existing Credit Agreement”, and as amended by this Amendment, the “Amended Credit Agreement”);

WHEREAS, the Borrowers have requested that the Lenders agree to amend certain provisions of the Existing Credit Agreement as set forth herein; and

WHEREAS, the Lenders are desirous of amending certain provisions of the Existing Credit Agreement as set forth herein.

NOW, THEREFORE, in consideration of the premises and agreements, provisions and covenants herein contained, the parties hereto agree as follows:

SECTION 1.DEFINED TERMS. Capitalized terms used but not defined herein shall have the meanings assigned to such terms in the Existing Credit Agreement.

SECTION 2.AMENDMENTS. Subject only to the satisfaction of the conditions set forth in Section 4 hereof, effective as of the First Amendment Effective Date (as defined in Section 4 hereof), the Borrowers, the other Loan Parties and the Lenders agree that the Existing Credit Agreement shall be amended to delete the stricken text (indicated textually in the same manner as the following example: stricken text) and to add the double-underlined text (indicated textually in the same manner as the following example: double-underlined text) as set forth in the form attached as Annex A hereto.

SECTION 3.CONSENT AND DIRECTION. Subject only to the satisfaction of the conditions set forth in Section 4 hereof, upon the occurrence of the First Amendment Effective Date (as defined below), the Lenders direct the Administrative Agent to enter into the Receivables Intercreditor Agreement (as defined below).

SECTION 4.EFFECTIVENESS. This Amendment shall become effective as of the first date on which each of the following conditions has been satisfied or waived (the “First Amendment Effective

Date”):

(b)The Administrative Agent shall have received a copy of the Purchase Agreement, dated as of the date hereof (the “Receivables Purchase Agreement”) entered into by and among Holdings, as Seller, and Citibank, N.A., as Buyer, together with copies of all other material documents related thereto, in each case in form and substance reasonably satisfactory to the Administrative Agent and fully executed by all parties thereto.

(c)The Administrative Agent shall have received counterparts of that certain Intercreditor Agreement (the “Receivables Intercreditor Agreement”) by and among the Administrative Agent, as Revolving Agent, Citibank, N.A., as Buyer, and Holdings, dated as of the date hereof, in the form attached as Annex B hereto.

SECTION 5.REPRESENTATIONS AND WARRANTIES. Each Loan Party hereby represents and warrants that:

SECTION 6.EFFECTS ON LOAN DOCUMENTS.

SECTION 7.NON-RELIANCE ON AGENTS. Each Lender acknowledges that it has, independently and without reliance upon the Agents or any other Lender and based on such documents and information as it has deemed appropriate, made its own credit analysis and decision to enter into this Amendment. Each Lender also acknowledges that it will, without reliance upon the Agents or any other Lender and based on such documents and information as it shall from time to time deem appropriate, continue to make its own credit decisions in taking or not taking action under or based upon this Amendment, the Amended Credit Agreement, any other Loan Document, any related agreement or any document furnished hereunder or thereunder.

IN WITNESS WHEREOF, the parties hereto, by their officers thereunto duly authorized, have executed this Amendment as of the day and year first above written.