Exhibit 10.1

AMENDMENT NO. 1

AMENDMENT NO. 1 (this “Amendment”) dated as of November 14, 2012 to the Credit
Agreement referred to below, between FIRST AMERICAN FINANCIAL CORPORATION (the
“Borrower”), the GUARANTORS identified under the caption “GUARANTORS” on the
signature pages hereto, the LENDERS party hereto and JPMORGAN CHASE BANK, N.A.,
as administrative agent and collateral agent thereunder (in such capacity, the
“Administrative Agent”).

WHEREAS, the Borrower, the Guarantors party thereto, the lenders party thereto
(individually, a “Lender” and, collectively, the “Lenders”) and the
Administrative Agent are parties to that certain Credit Agreement dated as of
April 17, 2012 (as amended and in effect immediately prior to giving effect to
this Amendment, the “Credit Agreement”); and

WHEREAS, the Borrower and the Lenders wish to amend the Credit Agreement in
certain respects;

NOW, THEREFORE, the parties hereto hereby agree as follows:

SECTION 1. Definitions. Capitalized terms used in this Amendment and not
otherwise defined are used herein as defined in the Credit Agreement.

SECTION 2. Amendments. Effective as provided (and subject to the satisfaction of
the conditions precedent) in Section 4 hereof, the Credit Agreement shall be
amended as follows:

2.01. General References. References in the Credit Agreement (including
references to the Credit Agreement as amended hereby) to “this Agreement” (and
indirect references such as “hereunder”, “hereby”, “herein” and “hereof”) shall
be deemed to be references to the Credit Agreement as amended hereby.

2.02. Definitions.

A. Amended or New Terms. Section 1.01 of the Credit Agreement shall be amended
by amending the following definitions (to the extent already included in said
Section 1.01) and adding the following definitions in the appropriate
alphabetical location (to the extent not already included in said Section 1.01):

“Acquisition” means the acquisition by the Borrower or any Data Tree/Data Trace
Entity of (a) Equity Interests of any other Person representing more than 50% of
the voting power of the Equity Interests of such Person, (b) all or
substantially all of the assets of any other Person or (c) all or substantially
all of the assets constituting one or more divisions, lines of business or
business units of any other Person.

“Amendment No. 1 Effective Date” has the meaning assigned to such term in that
certain Amendment No. 1 to this Agreement dated as of November 14, 2012 among
Borrower, the Subsidiaries party thereto, the Lenders and the Administrative
Agent.

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“Designated Parties” means, collectively, the Borrower and the Date Tree/Data
Trace Entities.

“Designated Party Subsidiary” means any Subsidiary of the Borrower which is a
Designated Party.

“FATCA” means Section 1471 through 1474 of the Code, as of the date of this
Agreement (or any amended or successor version that is substantively comparable
and not materially more onerous to comply with), any current or future
regulations or official interpretations thereof and any agreements entered into
pursuant to Section 1471(b)(1) of the Code.

“Indemnified Taxes” means Taxes (other than Excluded Taxes) imposed on or with
respect to any payment made by or on account of any obligation of the Borrower
under any Loan Document.

“Loan Documents” means, collectively, this Agreement and the promissory notes
(if any) executed and delivered pursuant to Section 2.07(f).

“Material Adverse Effect” means a material adverse effect on (a) the business,
operations, properties or condition (financial or otherwise) of the Borrower and
its Subsidiaries taken as a whole, (b) the ability of the Borrower to perform
any of its obligations under the Loan Documents or (c) the rights and remedies
available to the Lenders under the Loan Documents, taken as a whole.

“Material Subsidiary” means, at any time, (a) any Data Tree/Data Trace Entity,
(b) FATICO and (c) any other Subsidiary having a net book value that equals or
exceeds 5% of the Total Stockholders’ Equity (determined as of the last day of
the most recently ended fiscal quarter or fiscal year for which financial
statements are available).

“Obligations” means, collectively, all of the Indebtedness, liabilities and
obligations of the Borrower to the Administrative Agent and/or the Lenders
arising under the Loan Documents, in each case whether fixed, contingent, now
existing or hereafter arising, created, assumed, incurred or acquired, and
whether before or after the occurrence of any Event of Default under
clause (g) or (h) of Article VII and including all post-petition interest and
funding losses, whether or not allowed as a claim in any proceeding arising in
connection with such an event.

“Restricted Payment” means any dividend or other distribution (whether in cash
or property) with respect to any Equity Interests of any Designated Party, or
any payment (whether in cash or property), including any sinking fund or similar
deposit, on account of the purchase, repurchase, redemption, retirement,
acquisition, cancellation or termination of any such Equity Interests or any
option, warrant or other right to acquire any such Equity Interests, or on
account of any return of capital to any Designated Party or their respective
shareholders, partners or members (or the equivalent Persons thereof). For the
avoidance of doubt, issuances by a Designated Party of stock options, restricted
stock or other stock-based compensation to officers, directors and employees of
the Borrower and its Subsidiaries shall not constitute Restricted Payments.

 

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“Transactions” means the execution, delivery and performance by the Borrower of
the Loan Documents, the borrowing of Loans and the use of the proceeds thereof.

B. Deleted Terms. The following definitions in Section 1.01 of the Credit
Agreement shall be deleted in their entirety: “Collateral”, “Excess Funding
Guarantor”, “Excess Payment”, “Guarantee Joinder Agreement”, “Guaranteed
Obligations”, “Guarantors”, “Loan Parties”, “Loan Party Subsidiary”, “Non-Loan
Party Subsidiary”, “Pledge Agreement”, “Pro Rata Share”, “Reinstatement Event”,
“Release Event”, “Secured Parties”, “Security Documents”, and “Subsidiary
Guarantees”.

C. Reference to Guarantors. All references to “the Guarantors party hereto” (or
words of similar import) on the cover page of the Credit Agreement and in the
preamble thereof and in the Exhibits thereto (and in any promissory notes
heretofore executed and delivered by the Borrower pursuant to Section 2.07(f) of
the Credit Agreement) shall be deleted in their entirety.

D. No Amendments to Effective Date Conditions. Notwithstanding anything herein
to the contrary, all references to the terms “Collateral”, “Guarantors”, “Loan
Parties”, “Pledge Agreement”, “Secured Parties” and “Security Documents” in
Section 4.01 of the Credit Agreement only shall have the meanings given to such
terms as in effect under the Credit Agreement as of the Effective Date.

2.03. Prepayment of Loans. Section 2.08(b)(i) of the Credit Agreement shall be
amended in its entirety to read as follows:

“(b) Mandatory Commitment Reductions and Prepayments. (i) If at any time the
Debt Rating is lower than BBB- by S&P (or, subject to Section 6.14(c), there is
no Debt Rating by S&P) and the Debt Rating is lower than Baa3 by Moody’s (or,
subject to Section 6.14(c), there is no Debt Rating by Moody’s), the Commitments
will be permanently reduced (and the Borrower will prepay the Loans to the
extent provided below) as follows:

(A) upon receipt by any Designated Party of the Net Proceeds of any Equity
Issuance by such Designated Party after the Effective Date, an amount equal to
50% of such Net Proceeds shall be applied toward the reduction of the
Commitments and/or the prepayment of the Loans as set forth in
Section 2.08(b)(ii); and

(B) upon receipt by any Designated Party of the Net Proceeds of any Indebtedness
permitted to be issued or incurred by such Designated Party under
Sections 6.01(k), 6.01(l), 6.01(m) and 6.01(t)(i) after the Effective Date, an
amount equal to 50% of such Net Proceeds shall be applied toward the reduction
of the Commitments and/or the prepayment of the Loans as set forth in
Section 2.08(b)(ii).”

 

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2.04. Taxes. Section 2.14 of the Credit Agreement shall be amended as follows:

A. References to Loan Party. Each reference therein to “any Loan Party”, “each
Loan Party”, “such Loan Party”, “relevant Loan Party” or “the Loan Parties” (or
words of like import) shall be replaced with the words “the Borrower” (or words
of like import).

B. Indemnification. Section 2.14(c) shall be amended by deleting the words
“jointly and severally” contained in the first sentence thereof.

C. FATCA. Section 2.14(f) shall be amended by replacing the words “applicable
law” with “applicable Law”.

D. Treatment of Certain Refunds. The penultimate sentence of Section 2.14(g)
shall be amended and restated in its entirety to read as follows:

“Notwithstanding anything to the contrary in this paragraph (g), in no event
will the indemnified party be required to pay any amount to an indemnifying
party pursuant to this paragraph (g) the payment of which would place the
indemnified party in a less favorable net after-Tax position than the
indemnified party would have been in if the Tax subject to indemnification and
giving rise to such refund had not been deducted, withheld or otherwise imposed
and the indemnification payments or additional amounts with respect to such Tax
had never been paid.”

2.05. Representations and Warranties. Article III of the Credit Agreement shall
be amended as follows:

A. References to Loan Party. Each reference in such Article III to “any Loan
Party”, “each Loan Party”, “such Loan Party” or “the Loan Parties” (or words of
like import) shall be replaced with the words “the Borrower” (or words of like
import).

B. Amendments to Section 3.15 and 3.16. Each reference in Sections 3.15 and 3.16
to the “Effective Date” shall be replaced with the words the “Amendment No. 1
Effective Date”. Schedules 3.15 and 3.16 shall be replaced with Schedules 3.15
and 3.16 as attached hereto. In addition the parenthetical phrase in
Section 3.16 shall be amended in its entirety to read as follows:

“(excluding Liens securing Indebtedness of the Borrower and such Persons in an
aggregate principal or face amount not exceeding $25,000,000)”

C. No Amendment to Section 3.17. Notwithstanding anything herein to the
contrary, all references to the term “Loan Documents” in the second sentence of
Section 3.17 of the Credit Agreement only shall have the meaning given to such
term as in effect under the Credit Agreement as of the Effective Date.

D. Security Documents. Section 3.19 of the Credit Agreement shall be deleted in
its entirety (and the Table of Contents shall be amended correspondingly).

 

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2.06. Affirmative Covenants. Article V of the Credit Agreement shall be amended
as follows:

A. Financial Statements and Other Information. Section 5.01 of the Credit
Agreement shall be amended as follows:

(1) Section 5.01(a) of the Credit Agreement shall be amended by deleting the
first parenthetical phrase thereof.

(2) Section 5.01(b) of the Credit Agreement shall be amended by deleting the
first parenthetical phrase thereof.

(3) Section 5.01(c) of the Credit Agreement shall be amended and restated in its
entirety to read as follows:

“(c) concurrently with any delivery of financial statements under clause (a) or
(b) of this Section, a certificate of a Financial Officer of the Borrower
(i) certifying as to whether a Default has occurred and, if a Default has
occurred, specifying the details thereof and any action taken or proposed to be
taken with respect thereto and (ii) setting forth reasonably detailed
calculations demonstrating compliance with Section 6.05;”.

B. Notices of Material Events. Section 5.02 of the Credit Agreement shall be
amended as follows:

(1) Clauses (i) and (j) thereof shall be deleted in their entirety; and

(2) Clauses (k) and (l) thereof shall be re-lettered as clauses “(i)” and “(j)”,
respectively.

C. Guarantees; Release and Reinstatement. Section 5.11 of the Credit Agreement
shall be deleted in its entirety (and the Table of Contents shall be amended
accordingly).

D. Pledges; Release and Reinstatement. Section 5.12 of the Credit Agreement
shall be deleted in its entirety (and the Table of Contents shall be amended
accordingly).

E. Maintenance of Ratings. Section 5.13 of the Credit Agreement shall be
re-numbered as “Section 5.11” of the Credit Agreement (and the Table of Contents
shall be amended accordingly).

2.07. Negative Covenants. Article VI of the Credit Agreement shall be amended as
follows:

A. Indebtedness. Section 6.01 of the Credit Agreement shall be amended as
follows:

(1) Section 6.01(k) shall be amended and restated in its entirety to read as
follows:

“(k) any Indebtedness incurred by the Borrower in the form of unsecured senior
notes; provided that (i) such Indebtedness does not mature or have scheduled
amortization or payments of principal (including prepayments, redemptions or
sinking fund or like payments) prior to the date that is 91 days after the
Commitment Termination Date at the time such Indebtedness is incurred (other
than customary prepayment or

 

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redemption requirements as a result of asset sales or change of control
provisions (provided that any such prepayment or redemption (or offer to prepay
or redeem) may be made only to the extent permitted under Section 6.13));
(ii) the other terms and conditions of such Indebtedness (other than interest
rate and redemption premium) shall not be more restrictive on the Borrower and
its Subsidiaries than the terms and conditions contained in the Loan Documents;
(iii) such Indebtedness is not contractually subordinated to any other
Indebtedness; (iv) such Indebtedness is not guaranteed by any Person; (v) no
Default has occurred and is continuing at the time of incurrence of such
Indebtedness or would result therefrom; and (vi) the Net Proceeds of such
Indebtedness shall be applied in accordance with Section 2.08(b) to the extent
required by the terms thereof;”.

(2) Section 6.01(l) shall be amended by deleting the words “other than the
Guarantors” in sub-clause (iii) thereof.

(3) Section 6.01(r) shall be amended by replacing the words “(which Indebtedness
and other obligations may be guaranteed by the Guarantors, but not any other
Person)” appearing therein with the following words: “(which Indebtedness and
other obligations shall not be guaranteed by any Person)”.

(4) Section 6.01(s) shall be amended and restated in its entirety to read as
follows:

“(s) Indebtedness of the Borrower owing to any Subsidiary or Indebtedness of any
Subsidiary owing to the Borrower or any other Subsidiary; provided that (i) a
Subsidiary shall have Indebtedness owing to the Borrower only to the extent
permitted under the first sentence of Section 6.03(b); (ii) any Indebtedness of
the Borrower owing to any Subsidiary shall be made pursuant to an intercompany
note in form and substance satisfactory to the Administrative Agent and shall be
subordinated in right of payment from and after such time as the Loans shall
become due and payable hereunder (whether at maturity, acceleration or
otherwise) to the indefeasible payment in full in cash of the Obligations; and
(iii) such Indebtedness may be secured to the extent permitted under
Section 6.02(i);”.

(5) Section 6.01(t) shall be amended and restated in its entirety to read as
follows:

“(t) additional Indebtedness of (i) Subsidiaries and (ii) any Person that
becomes a Subsidiary after the Effective Date, in each case owing to any Person
(other than the Borrower or any other Subsidiary), not exceeding at any time
outstanding an aggregate amount equal to 10% of Total Stockholders’ Equity (as
determined as of the most recently ended fiscal year or fiscal quarter for which
financial statements have been delivered pursuant to Section 5.01(a) or (b), as
applicable); provided that, at the time of the incurrence thereof, (i) no
Default has occurred and is continuing or would result therefrom and (ii) the
Net Proceeds of any such Indebtedness shall be applied in accordance with
Section 2.08(b) to the extent required by the terms thereof; and”.

 

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B. Liens. Section 6.02 of the Credit Agreement shall be amended as follows:

(1) Section 6.02(i) shall be amended by deleting the phrase “that is the direct
or indirect parent entity of such Subsidiary”.

(2) Section 6.02(l) shall be deleted in its entirety and replaced with the
following: “(l) [Intentionally Deleted];”.

(3) Section 6.02(t) shall be amended and restated in its entirety to read as
follows:

“(t) Liens securing obligations in respect of Swap Agreements entered into in
the ordinary course of business and not for speculative purposes; and”.

(4) The last sentence of Section 6.02 shall be deleted in its entirety.

C. Fundamental Changes, Etc. Section 6.03 of the Credit Agreement shall be
amended as follows:

(1) Section 6.03(a) shall be amended and restated in its entirety to read as
follows:

“(a) Mergers, Consolidations, Disposal of Assets, Etc. The Borrower will not,
nor will it permit any of its Material Subsidiaries to, merge into or
consolidate with any other Person, or permit any other Person to merge into or
consolidate with it, or sell, transfer, lease or otherwise dispose of (in one
transaction or in a series of transactions) all or substantially all of its
assets or all or substantially all of the Equity Interests of any of its
Material Subsidiaries (in each case, whether now owned or hereafter acquired),
or liquidate or dissolve, except that, if at the time thereof and immediately
after giving effect thereto no Default has occurred and is continuing, (i) any
Material Subsidiary may merge into the Borrower or any other Designated Party in
a transaction in which the Borrower or such Designated Party, as the case may
be, is the surviving entity (provided that (x) in any such transaction involving
the Borrower, the Borrower shall be the surviving entity and (y) in any such
transaction involving two Designated Parties (but not the Borrower) either
Designated Party may be the surviving entity); (ii) any Material Subsidiary may
merge into any Person (other than a Designated Party) in a transaction in which
the surviving entity is a Material Subsidiary (provided that if such Material
Subsidiary was a Designated Party immediately prior to such transaction, such
surviving entity shall be deemed to be a Designated Party); and (iii) any
Material Subsidiary may sell, transfer, lease or otherwise dispose of all or
substantially all of its assets to the Borrower or another Subsidiary.”

(2) Section 6.03(b) shall be amended and restated in its entirety to read as
follows:

“(b) Certain Intercompany Transactions. Notwithstanding anything herein to the
contrary, the Borrower will not make any Investment in any Subsidiary (other
than any Indebtedness permitted under Sections 6.01(b), 6.01(c), 6.01(d) and
6.01(e) and any transfers by the Borrower to any Subsidiary of the Borrower of
any Equity Interests of a Subsidiary of the Borrower that were received by the
Borrower after the Effective Date by way of dividend for no consideration),
unless the sum of (without duplication) (A) the aggregate principal amount of
Indebtedness of Subsidiaries owing to the Borrower (other

 

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than any Indebtedness permitted under Sections 6.01(b), 6.01(c), 6.01(d) and
6.01(e)) at any time outstanding and (B) the aggregate amount of Investments
made by the Borrower in Subsidiaries after the Effective Date including the fair
market value of Equity Interests of direct Subsidiaries of the Borrower
transferred to Subsidiaries of the Borrower after the Effective Date (other than
those transfers excluded pursuant to the first parenthetical of this sentence)
shall not exceed in the aggregate, an amount equal to the sum of
(I) $350,000,000 plus (II) 50% of Cumulative Net Income at such time plus (III)
the portion of the aggregate Net Proceeds from Equity Issuances of the
Designated Parties received after the Effective Date and not required to be
applied pursuant to Section 2.08(b)(i)(A). The Borrower will not sell, transfer,
lease or otherwise dispose of any property (other than any Equity Interests of
any Subsidiary to another Subsidiary of the Borrower, which shall be subject to
the immediately preceding sentence), whether now owned or hereafter acquired, to
any Subsidiary, other than Dispositions of property at fair market value for
cash or non-cash consideration (so long as such non-cash consideration shall be
permitted under the immediately preceding sentence).”

D. Financial Covenants. Section 6.05 of the Credit Agreement shall be amended
and restated in its entirety to read as follows:

“SECTION 6.05. Financial Covenants.

(a) Total Stockholders’ Equity. The Borrower will not permit Total Stockholders’
Equity at any time to be less than the sum of (i) $1,420,000,000 plus (ii) 50%
of the aggregate Net Proceeds from Equity Issuances of each of the Borrower and
its Subsidiaries after December 31, 2011 plus (iii) 50% of the Consolidated Net
Income earned in each fiscal quarter ending on or after September 30, 2012 (with
no deduction for a net loss in any such fiscal quarter).

(b) Total Debt to Total Capitalization. The Borrower will not permit Total Debt
at any time to exceed 30% of Total Capitalization.”

E. Dispositions. Section 6.07 of the Credit Agreement shall be amended as
follows: (1) each reference therein to “Loan Party” or “Loan Parties” shall be
replaced with the word “Designated Party” or “Designated Parties”, respectively;
and (2) clause (b) thereof shall be amended and restated in its entirety to read
as follows:

“(b) any Designated Party may sell, lease, transfer or otherwise dispose of any
or all of its property (including any Equity Interests of any direct Subsidiary
thereof) to another Designated Party or any other Subsidiary, but only to the
extent permitted under the last sentence of Section 6.03(b).”

F. Acquisitions. Section 6.10 of the Credit Agreement shall be deleted in its
entirety and replaced with “SECTION 6.10. [Intentionally Deleted].” (and the
Table of Contents shall be amended accordingly).

 

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G. Investments. Section 6.11 of the Credit Agreement shall be amended as
follows: (1) each reference therein to “Loan Party” or “Loan Parties” shall be
replaced with the word “Designated Party” or “Designated Parties”, respectively;
and (2) clause (c) thereof shall be amended and restated in its entirety to read
as follows:

“(c) Investments by any Designated Party in another Designated Party or any
other Subsidiary, but only to the extent not otherwise prohibited by the first
sentence of Section 6.03(b);”.

H. Restricted Payments. Section 6.12 of the Credit Agreement shall be amended by
amending and replacing each reference therein to “Loan Party” or “Loan Parties”
with the word “Designated Party” or “Designated Parties”, respectively.

I. Payments of Certain Indebtedness. Section 6.13 of the Credit Agreement shall
be amended by amending and replacing each reference therein to “Loan Party” or
“Loan Parties” with the word “Designated Party” or “Designated Parties”,
respectively.

J. Additional Provisions Applicable to Certain Negative Covenants. Section 6.14
of the Credit Agreement shall be amended by amending and replacing each
reference therein to “Loan Party” or “Loan Parties” with the word “Designated
Party” or “Designated Parties”, respectively.

2.08. Events of Default. Article VII of the Credit Agreement shall be amended as
follows:

A. Clause (c), (d), (e) thereof shall be amended and restated in their entirety
to read as follows:

“(c) any representation or warranty made or deemed made by or on behalf of the
Borrower in or in connection with this Agreement or any other Loan Document or
any amendment or modification hereof or thereof, or in any report, certificate,
financial statement or other document furnished pursuant to or in connection
with this Agreement or any other Loan Document or any amendment or modification
hereof or thereof, shall prove to have been incorrect in any material respect
when made or deemed made;

(d) the Borrower shall fail to observe or perform any covenant, condition or
agreement contained in Section 5.02(a), Section 5.02(h) or Section 5.10 or
Article VI hereof;

(e) the Borrower shall fail to observe or perform any covenant, condition or
agreement contained in this Agreement (other than those specified in clause (a),
(b) or (d) of this Article) or any other Loan Document and such failure shall
continue unremedied for a period of 30 or more days after notice thereof from
the Administrative Agent (given at the request of any Lender) to the Borrower;”.

B. Clause (o) thereof shall be amended and restated in its entirety to read as
follows.

“(o) except in accordance with the express terms thereof, any of the Loan
Documents shall for any reason cease to be in full force and effect or to be
valid and binding on the Borrower, or the validity or enforceability thereof
shall be contested by the Borrower;”.

 

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C. Each reference to “any Loan Party” in the language contained in Article VII
immediately following clause (o) thereof shall be replaced with the words “the
Borrower”.

2.09. Administrative Agent. Article VIII of the Credit Agreement shall be
amended as follows:

A. The second paragraph of Article VIII shall be deleted in its entirety.

B. The ninth paragraph of Article VIII shall be amended by replacing the words
“any Loan Party” in the first sentence thereof with the words “the Borrower”.

C. The tenth paragraph of Article VIII shall be deleted in its entirety.

D. The eleventh paragraph of Article VIII shall be amended and restated in its
entirety to read as follows:

“It is the purpose of this Agreement and the other Loan Documents that there
shall be no violation of any Law of any jurisdiction denying or restricting the
right of banking corporations or associations to transact business as agent or
trustee in such jurisdiction. It is recognized that in case of litigation under
this Agreement or any of the other Loan Documents, and in particular in case of
the enforcement of any of the Loan Documents, or in case the Administrative
Agent deems that by reason of any present or future Law of any jurisdiction it
may not exercise any of the rights, powers or remedies granted herein or in any
of the other Loan Documents or take any other action which may be desirable or
necessary in connection therewith, the Administrative Agent is hereby authorized
to appoint an additional individual or institution selected by the
Administrative Agent in its sole discretion as a separate trustee, co-trustee,
administrative agent, administrative sub-agent or administrative co-agent (any
such additional individual or institution being referred to herein individually
as a “Supplemental Administrative Agent” and collectively as “Supplemental
Administrative Agents”). Should any instrument in writing from the Borrower be
required by any Supplemental Administrative Agent so appointed by the
Administrative Agent for more fully and certainly vesting in and confirming to
him or it such rights, powers, privileges and duties, the Borrower shall
execute, acknowledge and deliver any and all such instruments promptly upon
request by the Administrative Agent. In case any Supplemental Administrative
Agent, or a successor thereto, shall die, become incapable of acting, resign or
be removed, all the rights, powers, privileges and duties of such Supplemental
Administrative Agent, to the extent permitted by Law, shall vest in and be
exercised by the Administrative Agent until the appointment of a new
Supplemental Administrative Agent.”

2.10. Amendments. Section 9.02(b) of the Credit Agreement shall be amended and
restated in its entirety to read as follows:

“(b) Amendments. Neither this Agreement nor any provision hereof may be waived,
amended or modified except pursuant to an agreement or agreements in writing
entered into by the Borrower and the Required Lenders or by the Borrower and the
Administrative Agent with the consent of the Required Lenders; provided that no
such agreement shall (i) increase the Commitment of any Lender without the
written consent of such Lender, (ii) reduce the principal amount of any Loan or
reduce the rate of interest

 

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thereon, or reduce any fees payable hereunder, without the written consent of
each Lender affected thereby, (iii) postpone the scheduled date of payment of
the principal amount of any Loan, or any interest thereon, or any fees payable
hereunder, or reduce the amount of, waive or excuse any such payment, or
postpone the scheduled date of expiration of any Commitment, without the written
consent of each Lender affected thereby, (iv) change Section 2.15(b), (c) or (d)
in a manner that would alter the pro rata sharing of payments required thereby,
without the written consent of each Lender or (v) change any of the provisions
of this Section or the definition of the term “Required Lenders” or any other
provision hereof specifying the number or percentage of Lenders required to
waive, amend or modify any rights hereunder or make any determination or grant
any consent hereunder, without the written consent of each Lender; and provided
further that no such agreement shall amend, modify or otherwise affect the
rights or duties of the Administrative Agent hereunder without the prior written
consent of the Administrative Agent.

Notwithstanding anything herein to the contrary, the Administrative Agent may
amend or modify this Agreement without the consent of any Lender or the Required
Lenders (but with the consent of the Borrower) to correct an obvious error or
any error or omission of a technical nature.”

2.11. Expenses. Section 9.03(a) of the Credit Agreement shall be amended by
deleting clause (iii) thereof in its entirety and replacing the comma,
immediately prior to clause (ii) thereof, with the word “and”.

2.12. Right of Setoff. Section 9.08 of the Credit Agreement shall be amended by
deleting in their entirety the words “or any other Loan Party” in the fifth line
thereof and the words “and the other Loan Parties” in the sixth line thereof.

2.13. Guarantee. Article X of the Credit Agreement shall be deleted in its
entirety (and the Table of Contents shall be amended accordingly).

2.14. Exhibits. The Exhibits to the Credit Agreement shall be amended as
follows:

A. Exhibit B (Pledge Agreement). Exhibit B to the Credit Agreement shall be
deleted in its entirety (and the Table of Contents shall be amended by deleting
“EXHIBIT B-Form of Pledge Agreement”).

B. Exhibit C (Guarantee Joinder Agreement). Exhibit C to the Credit Agreement
shall be deleted in its entirety (and the Table of Contents shall be amended by
deleting “EXHIBIT C-Form of Guarantee Joinder Agreement”).

C. Exhibit D (Form of Section 2.14(e) Certificate). Exhibit D to the Credit
Agreement shall be re-lettered as “EXHIBIT B” (and the Table of Contents shall
be amended accordingly”), and each reference in the Credit Agreement to
“Exhibit D” shall be amended to refer to “Exhibit B”.

 

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2.15. Commitments. As of the Amendment No. 1 Effective Date, the Commitments of
the Lenders under Credit Agreement shall be as set forth in Schedule 1.01A to
this Amendment.

SECTION 3. Representations and Warranties. The Borrower represents and warrants
to the Administrative Agent and the Lenders that, as of the Amendment No. 1
Effective Date (as defined below), (a) the representations and warranties of the
Borrower set forth in the Credit Agreement and each other Loan Document, in each
case as amended hereby, are true and correct in all material respects (or, in
the case of such representations and warranties qualified as to materiality, in
all respects) on and as of the Amendment No. 1 Effective Date (or, if any such
representation or warranty is expressly stated to have been made as of a
specific date, as of such specific date); and (b) no Default shall have occurred
and be continuing under the Credit Agreement as amended hereby.

SECTION 4. Conditions to Effectiveness of Amendment. The amendments to the
Credit Agreement set forth in Section 2 hereof shall become effective on the
date (the “Amendment No. 1 Effective Date”) on which each of the following
conditions precedent shall have been satisfied in a manner or in form and
substance reasonably satisfactory to the Administrative Agent:

(a) Executed Counterparts. The Administrative Agent shall have received one or
more counterparts of this Amendment signed on behalf of the Borrower, each other
Loan Party, each Lender and the Administrative Agent; and

(b) Payment of Fees and Expenses. The Borrower shall have paid to the
Administrative Agent (i) for the account of each Lender which has executed and
delivered this Amendment on or prior to 5:00 p.m. (New York City time) on
November 14, 2012, an amendment fee equal to 0.10% of such Lender’s Commitment
as in effect immediately prior to the Amendment No. 1 Effective Date (but not
including any portion of such Commitment for which a fee is payable to such
Lender under clause (ii) below), (ii) for the account of each Lender which
immediately prior to the Amendment No. 1 Effective Date shall have acquired an
additional Commitment pursuant to Section 2.16(b)(iv) of the Credit Agreement
(and, in that connection, shall have entered into an Assignment and Assumption
with respect to such additional Commitment pursuant to the Credit Agreement
prior to or substantially concurrently with the Amendment No. 1 Effective Date)
and which has executed and delivered this Amendment, a fee equal to 0.425% of
such Lender’s additional Commitment (as set forth in such Assignment and
Assumption) (it being understood that the payment of such fees under clauses (i)
and (ii) above shall be payable on, and subject to the occurrence of, the
Amendment No. 1 Effective Date) and (iii) for the account of the relevant Person
entitled thereto, all other fees, and all reasonable out-of-pocket costs and
expenses incurred by the Administrative Agent and the Collateral Agent (as
defined in the Pledge Agreement), in each case separately agreed to in writing
by the Borrower or required by the terms of the Credit Agreement to be paid or
reimbursed in connection with this Amendment and the transactions contemplated
hereby, including, without limitation, the reasonable fees and expenses of
counsel to the Administrative Agent and the Collateral Agent incurred in
connection with this Amendment and related matters to the extent invoiced.

 

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SECTION 5. Release of Guarantees and Collateral. As of the Amendment No. 1
Effective Date, the Lenders (a) hereby agree that all Obligations of each
Guarantor and each Grantor (as defined in the Pledge Agreement) under the Credit
Agreement and the other Loan Documents to which it is a party are hereby
released and terminated and, without limiting the foregoing, the Pledge
Agreement and the security interests and other liens granted thereunder to or in
favor of the Collateral Agent for the benefit of the Lenders, shall be released
and terminated and the Grantors shall cease to have any rights and obligations
thereunder, all without further action by any Person necessary to give effect
thereto, and (b) hereby direct and authorize the Collateral Agent (i) to execute
and/or deliver (as applicable) Uniform Commercial Code termination statements
(and, to the extent permitted under the Uniform Commercial Code in effect in any
relevant jurisdiction, the Lenders and the Collateral Agent hereby authorize the
Borrower and its counsel and other designees, without further notice, to prepare
and file such termination statements at any time from and after the Amendment
No. 1 Effective Date) and such other instruments of release pertaining to such
security interests and other liens as the Borrower may reasonably request to
effectuate, or reflect of public record, such release of all such security
interests and liens and (ii) to surrender to the Borrower any and all possessory
Collateral heretofore delivered to the Collateral Agent by the Borrower or any
of its Subsidiaries pursuant to the Pledge Agreement, all without recourse to or
warranty by the Collateral Agent, the Lenders and the Administrative Agent. By
their execution and delivery of this Amendment, the Subsidiaries of the Borrower
that are Guarantors and Grantors hereby acknowledge and agree to the terms of
this Amendment and the releases under this Section. The parties hereto agree
that, notwithstanding anything herein to the contrary, effective as of the
Amendment No. 1 Effective Date, the Guarantors shall cease to be parties to the
Credit Agreement and have any rights and obligations thereunder.

SECTION 6. Confirmation of Loan Documents. As of the Amendment No. 1 Effective
Date, the Borrower hereby confirms and ratifies all of its obligations under the
Credit Agreement and the other Loan Documents, in each case as amended hereby.

SECTION 7. Miscellaneous. Except as herein provided, the Credit Agreement shall
remain unchanged and in full force and effect. This Amendment shall constitute a
“Loan Document” for all purposes of the Credit Agreement and shall be
administered and construed pursuant to the terms of the Credit Agreement. The
Borrower shall pay all reasonable expenses incurred by the Administrative Agent,
including the reasonable fees, charges and disbursements of Milbank, Tweed,
Hadley & McCloy LLP, special New York counsel to JPMCB, in connection with the
preparation, negotiation, execution and delivery of, and satisfaction of the
conditions under, this Amendment. This Amendment may be executed in any number
of counterparts, all of which taken together shall constitute one and the same
agreement and any of the parties hereto may execute this Amendment by signing
any such counterpart. This Amendment shall be governed by, and construed in
accordance with, the law of the State of New York.

[remainder of page intentionally left blank]

 

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IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly
executed and delivered as of the day and year first above written.

 

FIRST AMERICAN FINANCIAL

CORPORATION

By  

/s/ Mark Seaton

  Name: Mark Seaton   Title: SVP, Finance

--------------------------------------------------------------------------------

GUARANTORS FIRST AMERICAN DATA CO., LLC By  

/s/ Robert Karraa

  Name: Robert Karraa   Title: President FIRST AMERICAN DATA TREE LLC By  

/s/ Robert Karraa

  Name: Robert Karraa   Title: President DATA TRACE INFORMATION SERVICES LLC By
 

/s/ Robert Karraa

  Name: Robert Karraa   Title: President SMART TITLE SOLUTIONS LLC By  

/s/ Robert Karraa

  Name: Robert Karraa   Title: President

--------------------------------------------------------------------------------

LENDERS

  JPMORGAN CHASE BANK, N.A.,

        individually and as Administrative Agent

By  

/s/ Kimberly Dauber

  Name: Kimberly Dauber   Title: Vice President

--------------------------------------------------------------------------------

U.S. BANK NATIONAL ASSOCIATION

By

 

/s/ James F. Cooper

 

Name: James F. Cooper

 

Title: Sr. Vice President

--------------------------------------------------------------------------------

WELLS FARGO BANK, NATIONAL ASSOCIATION

By

 

/s/ Grainne Pergolini

 

Name: Grainne Pergolini

 

Title: Director

--------------------------------------------------------------------------------

UNION BANK

By

 

/s/ Kyle J. Bower

 

Name: Kyle J. Bower

 

Title: Vice President

--------------------------------------------------------------------------------

BMO HARRIS BANK N.A.

By

 

/s/ Todd Senger

 

Name: Todd Senger

 

Title: MD

--------------------------------------------------------------------------------

KEY BANK NATIONAL ASSOCIATION

By

 

/s/ James Cribbet

 

Name: James Cribbet

 

Title: SVP

--------------------------------------------------------------------------------

BANK OF THE WEST

By

 

/s/ Dale Paterson

 

Name: Dale Paterson

 

Title: Senior Vice President

--------------------------------------------------------------------------------

COMPASS BANK

By

 

/s/ Ramon Garcia

 

Name: Ramon Garcia

 

Title: Vice President

--------------------------------------------------------------------------------

CITIBANK, N.A.

By

 

/s/ Robert Porwick

 

Name: Robert Porwick

 

Title: Senior Vice President

--------------------------------------------------------------------------------

COMERICA BANK

By

 

/s/ Thomas M. Hicks

 

Name: Thomas M. Hicks

 

Title: Vice President / Alt Group Mgr

--------------------------------------------------------------------------------

BOKF, N.A. dba BANK OF OKLAHOMA

By

 

/s/ Brian Warden

 

Name: Brian Warden

 

Title: Vice President

--------------------------------------------------------------------------------

CAPITAL ONE, N.A.

By

 

/s/ Gina Monette

 

Name: Gina Monette

 

Title: Vice President

--------------------------------------------------------------------------------

BANK OF AMERICA, N.A.

By

 

/s/ Jason Cassity

 

Name: Jason Cassity

 

Title: Director

--------------------------------------------------------------------------------

CITY NATIONAL BANK

By

 

/s/ Bill Kelly

 

Name: Bill Kelly

 

Title: Vice President

--------------------------------------------------------------------------------

TAIWAN COOPERATIVE BANK LOS ANGELES BRANCH

By

 

/s/ LI-HUA HUANG

 

Name: LI-HUA HUANG

 

Title: VP & GENERAL MANAGER

--------------------------------------------------------------------------------

BANK OF HAWAII

By

 

/s/ Anna Hu

 

Name: Anna Hu

 

Title: Vice President

--------------------------------------------------------------------------------

BANK OF TAIWAN, LOS ANGELES BRANCH

By

 

/s/ Chwan-Ming Ho

 

Name: Chwan-Ming Ho

 

Title: Vice President & General Manager

--------------------------------------------------------------------------------

E. SUN COMMERCIAL BANK, LTD., LOS ANGELES BRANCH

By

 

/s/ Edward Chen

 

Name: Edward Chen

 

Title: VP & General Manager

--------------------------------------------------------------------------------

BARCLAYS BANK PLC

By

 

/s/ Lisa Minigh

 

Name: Lisa Minigh

 

Title: Assistant Vice President

--------------------------------------------------------------------------------

EAST WEST BANK

By

 

/s/ Martin Kim

 

Name: Martin Kim

 

Title: Vice President

--------------------------------------------------------------------------------

LAND BANK OF TAIWAN LOS ANGELES BRANCH

By

 

/s/ Juifu Chien

 

Name: Juifu Chien

 

Title: Vice President & General Manager

--------------------------------------------------------------------------------

SCHEDULE 1.01A

Amendment No. 1 Effective Date Commitments

 

Name of Lender

   Commitment ($)  

JPMORGAN CHASE BANK, N.A.

   $ 48,500,000   

U.S. BANK NATIONAL ASSOCIATION

   $ 48,500,000   

WELLS FARGO BANK, NATIONAL ASSOCIATION

   $ 48,000,000   

BMO HARRIS BANK, N.A.

   $ 42,000,000   

KEY BANK NATIONAL ASSOCIATION

   $ 42,000,000   

UNION BANK

   $ 42,000,000   

BANK OF THE WEST

   $ 40,000,000   

COMPASS BANK

   $ 40,000,000   

CITIBANK, N.A.

   $ 35,000,000   

COMERICA BANK

   $ 35,000,000   

BANK OF OKLAHOMA

   $ 25,000,000   

CAPITAL ONE, N.A.

   $ 25,000,000   

BANK OF AMERICA, N.A.

   $ 20,000,000   

CITY NATIONAL BANK

   $ 20,000,000   

TAIWAN COOPERATIVE BANK LOS ANGELES BRANCH

   $ 20,000,000   

BANK OF HAWAII

   $ 15,000,000   

BANK OF TAIWAN, LOS ANGELES BRANCH

   $ 12,000,000   

E. SUN COMMERCIAL BANK, LTD., LOS ANGELES BRANCH

   $ 12,000,000   

BARCLAYS BANK PLC

   $ 10,000,000   

EAST WEST BANK

   $ 10,000,000   

LAND BANK OF TAIWAN LOS ANGELES BRANCH

   $ 10,000,000      

 

 

 

TOTAL

   $ 600,000,000   

Schedule 1.01A

--------------------------------------------------------------------------------

SCHEDULE 3.15

Indebtedness

 

Borrower

  

Debt

   As of
9/30/2012
(in thousands)  

First American Financial Corporation

   Secured note due to First American Title Insurance Company    $ 83,900   

First American Title Insurance Co. (1)

   Trust deed notes with maturities through 2032, collateralized by land and
buildings    $ 42,600   

First American Title Insurance Co. (1)

   Other notes and contracts payable with maturities through 2020    $ 29,900   

First American Title Insurance Co. (1)

   Guarantees of debt and letters of credit    $ 10,900   

First American Financial Corporation

   Guarantees of debt and letters of credit    $ 11,800   

 

(1) First American Title Insurance Company or one of its Subsidiaries or
Affiliates

Schedule 3.15 to Credit Agreement

--------------------------------------------------------------------------------

SCHEDULE 3.16

Liens

 

Borrower

  

Lien

   As of
9/30/2012
(in thousands)  

First American Financial Corporation

   Secured note due to First American Title Insurance Company    $ 83,900   

First American Title Insurance Co. (1)

   Trust deed notes with maturities through 2032, collateralized by land and
buildings    $ 42,600   

 

(1) First American Title Insurance Company or one of its Subsidiaries or
Affiliates

In addition, see also the attached UCC Reports.

Schedule 3.16 to Credit Agreement