Exhibit 10.1

SECOND AMENDMENT TO CREDIT AGREEMENT
THIS SECOND AMENDMENT TO CREDIT AGREEMENT (this “Agreement”) is made and entered
into as of September 17, 2019, by and among LENDINGTREE, LLC, a Delaware limited
liability company (the “Borrower”), LENDINGTREE, INC., a Delaware corporation
(“Parent”), the other Loan Parties (as defined in the Credit Agreement referred
to below), the Lenders (as defined below) party hereto, and SUNTRUST BANK, as
the administrative agent for itself and on behalf of the Lenders (in such
capacity, the “Administrative Agent”).
W I T N E S S E T H :
WHEREAS, the Borrower, Parent, the financial institutions from time to time
party thereto (the “Lenders”), and the Administrative Agent have executed and
delivered that certain Amended and Restated Credit Agreement dated as of
November 21, 2017, as amended by that certain First Amendment to Credit
Agreement dated as of June 24, 2019 (and as the same may be further amended,
restated, supplemented, or otherwise modified from time to time, the “Credit
Agreement”); and
WHEREAS, the Borrower has requested that the Lenders agree to amend certain
provisions of the Credit Agreement as set forth herein, and the Administrative
Agent and the Lenders party hereto have agreed to such amendments, in each case
subject to the terms and conditions hereof.
NOW, THEREFORE, for and in consideration of the above premises and other good
and valuable consideration, the receipt and sufficiency of which is hereby
acknowledged by the parties hereto, each of the parties hereto hereby covenants
and agrees as follows:
SECTION 1. Definitions. Unless otherwise specifically defined herein, each term
used herein (and in the recitals above) which is defined in the Credit Agreement
shall have the meaning assigned to such term in the Credit Agreement. Each
reference to “hereof,” “hereunder,” “herein,” and “hereby” and each other
similar reference and each reference to “this Agreement” and each other similar
reference contained in the Credit Agreement shall from and after the date hereof
refer to the Credit Agreement as amended hereby.
SECTION 2. Amendment to Section 2.22(a)(ii). Section 2.22(a) of the Credit
Agreement is amended by adding “(or such lesser amount as the Issuing Bank may
agree in its sole discretion)” at the end of clause (ii) thereof.
SECTION 3.     Conditions Precedent. This Agreement shall become effective only
upon the Administrative Agent’s receipt of this Agreement duly executed by each
of (i) the Loan Parties, (ii) the Required Lenders, (iii) the Issuing Bank, and
(iv) the Administrative Agent.
SECTION 4.     Miscellaneous Terms.
(a)     Loan Document. For avoidance of doubt, the Loan Parties, the Lenders
party hereto, and the Administrative Agent each hereby acknowledges and agrees
that this Agreement is a Loan Document.

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(b)     Effect of Agreement. Except as set forth expressly hereinabove, all
terms of the Credit Agreement and the other Loan Documents shall be and remain
in full force and effect, and shall constitute the legal, valid, binding, and
enforceable obligations of the Loan Parties.
(c)     No Novation or Mutual Departure. The Loan Parties expressly acknowledge
and agree that (i) there has not been, and this Agreement does not constitute or
establish, a novation with respect to the Credit Agreement or any of the other
Loan Documents, or a mutual departure from the strict terms, provisions, and
conditions thereof, other than with respect to the amendments contained in
Section 2 above and (ii) nothing in this Agreement shall affect or limit the
Administrative Agent’s or any Lender’s right to demand payment of liabilities
owing from any Loan Party to the Administrative Agent or the Lender under, or to
demand strict performance of the terms, provisions, and conditions of, the
Credit Agreement and the other Loan Documents, to exercise any and all rights,
powers, and remedies under the Credit Agreement or the other Loan Documents or
at law or in equity, or to do any and all of the foregoing, immediately at any
time after the occurrence of a Default or an Event of Default under the Credit
Agreement or the other Loan Documents.
(d)     Ratification. Each Loan Party hereby (i) restates, ratifies, and
reaffirms all of its obligations and covenants set forth in the Credit Agreement
and the other Loan Documents to which it is a party effective as of the date
hereof and (ii) restates and renews each and every representation and warranty
heretofore made by it in the Credit Agreement and the other Loan Documents as
fully as if made on the date hereof and with specific reference to this
Agreement and any other Loan Documents executed or delivered in connection
herewith (except with respect to representations and warranties made as of an
expressed date, in which case such representations and warranties shall be true
and correct as of such date).
(e)     No Default. To induce Lenders to enter into this Agreement, Borrower
hereby acknowledges and agrees that, as of the date hereof, and after giving
effect to the terms hereof, there exists (i) no Default or Event of Default and
(ii) no right of offset, defense, counterclaim, claim, or objection in favor of
Borrower or arising out of or with respect to any of the Loans or other
obligations of Borrower owed to Lenders under the Credit Agreement or any other
Loan Document.
(f)     Counterparts. This Agreement may be executed in any number of
counterparts and by different parties hereto in separate counterparts, each of
which when so executed and delivered shall be deemed to be an original and all
of which counterparts, taken together, shall constitute but one and the same
instrument.
(g)     Fax or Other Transmission. Delivery by one or more parties hereto of an
executed counterpart of this Agreement via facsimile, telecopy, or other
electronic method of transmission pursuant to which the signature of such party
can be seen (including, without limitation, Adobe Corporation’s Portable
Document Format) shall have the same force and effect as the delivery of an
original executed counterpart of this Agreement. Any party delivering an
executed counterpart of this Agreement by facsimile or other electronic method
of transmission shall also deliver an original executed counterpart, but the
failure to do so shall not affect the validity, enforceability, or binding
effect of this Agreement.

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(h)     Recitals Incorporated Herein. The preamble and the recitals to this
Agreement are hereby incorporated herein by this reference.
(i)     Section References. Section titles and references used in this Agreement
shall be without substantive meaning or content of any kind whatsoever and are
not a part of the agreements among the parties hereto evidenced hereby.
(j)     Further Assurances. The Loan Parties agree to take, at the Loan Parties’
expense, such further actions as the Administrative Agent shall reasonably
request from time to time to evidence the amendments set forth herein and the
transactions contemplated hereby.
(k)     Governing Law. This Agreement shall be governed by and construed and
interpreted in accordance with the internal laws of the State of New York but
excluding any principles of conflicts of law or other rule of law that would
cause the application of the law of any jurisdiction other than the laws of the
State of New York.
(l)     Severability. Any provision of this Agreement which is prohibited or
unenforceable shall be ineffective to the extent of such prohibition or
unenforceability without invalidating the remaining provisions hereof in that
jurisdiction or affecting the validity or enforceability of such provision in
any other jurisdiction.
(m)     Reaffirmation. Each Guarantor (i) consents to the execution and delivery
of this Agreement, (ii) reaffirms all of its obligations and covenants under the
Loan Documents to which it is a party, and (iii) agrees that none of its
respective obligations and covenants shall be reduced or limited by the
execution and delivery of this Agreement.
(Signature pages follow)

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IN WITNESS WHEREOF, each of the parties hereto has caused this Agreement to be
duly executed by its duly authorized officer as of the day and year first above
written.
BORROWER:

LENDINGTREE, LLC

By:    /s/ J.D. Moriarty         
Name:    J.D. Moriarty
Title: CFO

PARENT AND GUARANTOR:

LENDINGTREE, INC.

By:    /s/ J.D. Moriarty         
Name: J.D. Moriarty
Title: CFO

GUARANTORS:

OVATION CREDIT SERVICES, INC.

By:    /s/ J.D. Moriarty                
Name:    J.D. Moriarty
Title: Treasurer

QUOTEWIZARD.COM, LLC

By:    /s/ J.D. Moriarty                
Name:    J.D. Moriarty
Title: Treasurer

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ADMINISTRATIVE AGENT, ISSUING BANK, AND LENDERS:
    
SUNTRUST BANK, as the Administrative Agent, Issuing Bank, and a Lender

By:     /s/ Cynthia Burton                
Name: Cynthia Burton
Title: Director

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BANK OF AMERICA, N.A.,
as a Lender

By:     /s/ Charles R. Dickerson            
Name: Charles R. Dickerson
Title: Senior Vice President

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ROYAL BANK OF CANADA,
as a Lender

By:     /s/ J. Christian Gutiérrez            
Name: J. Christian Gutiérrez
Title: Authorized Signatory

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FIFTH THIRD BANK,
as a Lender

By:     /s/ Jodie R. Ayres                
Name: Jodie R. Ayres
Title: Senior Vice President

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JPMORGAN CHASE BANK, N.A.,
as a Lender

By:     /s/ Caitlin Stewart                
Name: Caitlin Stewart
Title: Executive Director

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REGIONS BANK,
as a Lender

By:     /s/ Jason Douglas                
Name: Jason Douglas
Title: Director

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GOLDMAN SACHS BANK USA,
as a Lender

By:     /s/ Jamie Minieri                
Name: Jamie Minieri
Title: Authorized Signatory

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PNC BANK, NATIONAL ASSOCIATION,
as a Lender

By:     /s/ Krutesh Trivedi                
Name: Krutesh Trivedi
Title: Vice President