EXHIBIT 4.9.5

EXECUTION VERSION

FIFTH AMENDMENT TO CREDIT AGREEMENT

This Fifth Amendment to the Credit Agreement (as defined below), dated as of January 22, 2009 (this AmendmentNo.5), is entered into by and among CEMEX, S.A.B. de C.V., a sociedad anónima bursátil de capital variable organized and existing pursuant to the laws of the United Mexican States (formerly
known as CEMEX, S.A. de C.V.) (the Borrower), CEMEX MÉXICO, S.A. de C.V., a sociedad anónima de capital variable organized and existing pursuant to the laws of the United Mexican States,
EMPRESAS TOLTECA DE MÉXICO, S.A. de C.V., a sociedad anónima de capital variable organized and existing pursuant to the laws of the United Mexican States (each a Guarantor and together, the
Guarantors), the several Lenders party thereto, BARCLAYS BANK PLC, NEW YORK BRANCH, as administrative agent (in such capacity, the Administrative Agent).

RECITALS

A. The Borrower, the Guarantors,
the Administrative Agent, the several Lenders party thereto, Barclays Capital, The Investment Banking Division of Barclays Bank PLC, as Joint Lead Arranger and Joint Bookrunner, and Citigroup Global Markets Inc., as Documentation Agent, Joint Lead
Arranger and Joint Bookrunner, are parties to that certain senior secured credit facility, dated as of May 31, 2005 in the amount of U.S.$1,200,000,000, as amended by Amendment No. 1, dated as of June 19, 2006, the Amendment and
Waiver No. 2, dated as of November 30, 2006, the Amendment and Waiver No. 3, dated as of May 9, 2007, and Amendment No. 4 to the Credit Agreement, dated as of December 19, 2008 (as now or hereafter amended, restated,
waived or otherwise modified, the Credit Agreement).

B. The Borrower has requested that the Administrative Agent and
the Lenders consent to the following amendment to the Credit Agreement.

C. This Amendment No. 5 shall constitute a Transaction
Document and these Recitals shall be construed as part of this Amendment No. 5.

NOW THEREFORE, in consideration of the premises and
the mutual covenants hereinafter contained, and of the Loans and other extensions of credit heretofore, now or hereafter made to, or for the benefit of, the Borrower by the Lenders, the Borrower, the Guarantors, the Administrative Agent, and the
Lenders hereby agree as follows:

1. Definitions. Except to the extent otherwise specified herein, capitalized terms used in this
Amendment No. 5 shall have the same meanings ascribed to them in the Credit Agreement.

2. Amendments. Subject to
Section 4, the Credit Agreement is hereby amended as follows:

2.1 The definition for EBITDA in Section 1.01
(Certain Definitions) shall be deleted and replaced in its entirety with the following language:

EBITDA means,
for any period, the sum for the Borrower and its Subsidiaries, determined on a consolidated basis of (a) operating income (utilidad de operación), (b) cash interest income and (c) depreciation and amortization expense,
in each case determined in accordance with Mexican GAAP,



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subject to the adjustments herein, consistently applied for such period and adjusted for Discontinued EBITDA as follows: if the amount of Discontinued EBITDA
is a positive amount, then EBITDA shall increase by such amount, and if the amount of Discontinued EBITDA is a negative amount, then EBITDA shall decrease by the absolute value of such amount. For the purposes of calculating EBITDA for any
applicable period pursuant to any determination of the Consolidated Net Debt / EBITDA Ratio (but not the Consolidated Fixed Charge Coverage Ratio): (A) (i) if at any time during such applicable period the Borrower or any of its
Subsidiaries shall have made any Material Disposition, the EBITDA for such applicable period shall be reduced by an amount equal to the EBITDA (if positive) attributable to the property that is the subject of such Material Disposition for such
applicable period (but when the Material Disposition is by way of lease, income received by the Borrower or any of its Subsidiaries under such lease shall be included in EBITDA) and (ii) if at any time during such applicable period the Borrower
or any of its Subsidiaries shall have made any Material Acquisition, EBITDA for such applicable period shall be calculated after giving pro forma effect thereto (including the incurrence or assumption of any Debt) as if such Material
Acquisition had occurred on the first day of such applicable period. Additionally, if since the beginning of such applicable period any Person that subsequently shall have become a Subsidiary or was merged or consolidated with the Borrower or any of
its Subsidiaries as a result of a Material Acquisition occurring during such applicable period shall have made any Disposition or Acquisition of property that would have required an adjustment pursuant to clause (i) or (ii) above if made
by the Borrower or any of its Subsidiaries during such applicable period, EBITDA for such period shall be calculated after giving pro forma effect thereto as if such Disposition or Acquisition had occurred on the first day of such applicable
period; and (B) all EBITDA for each applicable period ending on or after December 31, 2008 will be recalculated by multiplying each months EBITDA by the Ending Exchange Rate and dividing the amount obtained thereto by the exchange
rate used by the Borrower in preparation of its monthly financial statements in accordance with Mexican GAAP to convert U.S.$ into Mexican pesos (such recalculated EBITDA being the Recalculated EBITDA), provided,
that, the Required Lenders shall have the option, with respect to any Reference Period ending after December 31, 2009, to discontinue the incorporation of Recalculated EBITDA into the Consolidated Net Debt/EBITDA Ratio (the
Discontinue Option). The Required Lenders may exercise the Discontinue Option upon notice to the Administrative Agent, who shall, acting upon the instructions of the Required Lenders, notify the Borrower of such exercise in
writing (the Notice of Discontinuance) at least thirty (30) days prior to the end of such Reference Period. Subject to the foregoing notice requirements, such Discontinue Option shall be effective for each Reference Period
ending after the date of such Notice of Discontinuance to the Borrower as set forth herein.

2.2 The definition for Ending
Exchange Rate in Section 1.01 (Certain Definitions) shall be deleted and replaced in its entirety with the following language:

Ending Exchange Rate means the exchange rate at the end of a Reference Period for converting U.S.$ into Mexican pesos, used by the Borrower and its auditors in preparation of the Borrowers financial statements
in accordance with Mexican GAAP.

2.3 The definition of U.S.$/Euro EBITDA in Section 1.01 (Certain
Definitions) shall be deleted in its entirety.

3. Representations and Warranties. The Borrower and each of the other
Credit Parties hereby represent and warrant to the Administrative Agent and the Lenders that:

3.1 The representations and warranties of the
Borrower contained in the Credit Agreement are true and correct as of the date of this Amendment No. 5; provided, however, that with respect to Section 5.11 (Ownership of Property), the representations and
warranties are true and correct,



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other than as is set forth in the Risk Factors in the Borrowers Form 20-F for the year ended December 31, 2007 filed with the SEC and updated in
the Borrowers Form 6-K filed on August 19, 2008 with the SEC, in each case with respect to CEMEX Venezuela S.A.C.A.

3.2 The
representations and warranties of the Guarantors contained in the Credit Agreement are true and correct as of the date of this Amendment No. 5.

3.3 The execution, delivery and performance by the Borrower and each of the other Credit Parties of this Amendment No. 5 has been duly authorized by all necessary corporate action, and this Amendment No. 5
constitutes the legal, valid and binding obligation of the Borrower and each of the other Credit Parties enforceable against the Borrower and each of the other Credit Parties in accordance with its terms, except as enforceability may be limited by
applicable concurso mercantil, bankruptcy, insolvency, reorganization, moratorium or similar law affecting creditors rights generally or general equity principles.

3.4 The execution, delivery and performance of this Amendment No. 5 does not, and will not, contravene or conflict with any provision of
(i) any Requirement of Law, (ii) any judgment, decree or order, or (iii) the certificate or articles of incorporation or by-laws or other constituent documents of the Borrower and the Credit Parties, and does not, and will not,
contravene or conflict with, or cause any Lien to arise under, any provision of any Contractual Obligation applicable to the Borrower and the Credit Parties.

3.5 No Default or Event of Default exists under the Credit Agreement or any other Transaction Document or will exist after or be triggered by the execution, delivery and performance of this Amendment No. 5. In
addition, the Borrower and each of the other Credit Parties hereby represent, warrant and reaffirm that the Credit Agreement, the Notes and each of the other Transaction Documents remain in full force and effect.

4. Conditions Precedent to Effectiveness. The effectiveness of the amendments set forth in Section 2 hereof are in each instance
subject to the satisfaction of each of the following conditions precedent (the date on which all such conditions precedent are satisfied or waived being the Amendment No. 5 Effective Date):

4.1 Amendment No. 5. This Amendment No. 5 shall have been duly authorized, executed and delivered by each of the Borrower, the Guarantors
and the Required Lenders, and acknowledged by the Administrative Agent (which shall be a purely ministerial action).

4.2 No
Default. After giving effect to this Amendment No. 5, no Default or Event of Default shall have occurred and be continuing, or would result from the execution or effectiveness of this Amendment No. 5.

4.3 No Material Adverse Effect. No Material Adverse Effect has occurred since December 31, 2007 (excluding the financial condition and events
previously disclosed in (i) the Borrowers filings made with the SEC or the Bolsa Mexicana de Valores, S.A.B de C.V. after December 31, 2007; or (ii) in the Borrowers unaudited financial statements for each of the
first three fiscal periods of 2008).

4.4 Solvency. The Borrower and each Guarantor is, and after giving effect to each of the
transactions contemplated by this Amendment No. 5 and the Transaction Documents will be, Solvent.



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4.5 Miscellaneous. The Administrative Agent and the Lenders shall have received such other
agreements, instruments and documents as the Administrative Agent or the Lenders may reasonably request.

4.6 Other Facilities. This
Amendment shall not be effective until the debt obligations set forth on Exhibit A attached hereto have been amended in form and substance reasonably satisfactory to the Lenders and the Borrower shall have notified the Administrative Agent of
such modification in writing.

5. Reference to and Effect Upon the Credit Agreement and other Transaction Documents.

5.1 Full Force and Effect. Except as specifically provided herein, the Credit Agreement, the Notes and each other Transaction Document shall remain
in full force and effect and each Note, Transaction Document, and the Credit Agreement is hereby ratified and confirmed by the Borrower.

5.2 No Waiver. The execution, delivery and effect of this Amendment No. 5 shall be limited precisely as written and shall not be deemed to (i) be a consent to any waiver of any term or condition, or to any amendment or
modification of any term or condition (except as specifically provided herein) of the Credit Agreement, the Notes or any other Transaction Document, (ii) prejudice any right, power or remedy which the Administrative Agent or any Lender now has
or may have in the future under or in connection with the Credit Agreement or any other Transaction Document or (iii) constitute a novation of any of the obligations under the Credit Agreement, the Notes, and the other Transaction Documents.

5.3 Certain Terms. Each reference in the Credit Agreement to this Agreement, hereunder, hereof,
herein or any other word or words of similar import shall mean and be a reference to the Credit Agreement as amended hereby, and each reference in any other Transaction Document to the Credit Agreement or any word or words of similar
import shall be and mean a reference to the Credit Agreement as amended hereby.

6. Counterparts. This Amendment No. 5 may be
executed in any number of counterparts, each of which when so executed shall be deemed an original but all such counterparts shall constitute one and the same instrument. Delivery of an executed counterpart of a signature page to this Amendment
No. 5 by telecopier shall be as effective as delivery of a manually executed counterpart signature page to this Amendment No. 5.

7. Costs and Expenses. As provided in the Credit Agreement, the Borrower shall pay the reasonable fees, costs and expenses incurred by the Administrative Agent in connection with the preparation, execution and delivery of this
Amendment No. 5 (including, without limitation, attorneys fees).

8. GOVERNING LAW. THIS AMENDMENT NO. 5 SHALL BE
GOVERNED BY AND CONSTRUED AND ENFORCED IN ACCORDANCE WITH THE INTERNAL LAWS OF THE STATE OF NEW YORK.

9. Headings. Section headings
in this Amendment No. 5 are included herein for convenience of reference only and shall not constitute a part of this Amendment No. 5 for any other purpose.

[Signature Pages Follow]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



CEMEX, S.A.B. de C.V., as
BorrowerBy

/s/ Agustin BlancoName:

Agustin BlancoTitle:

Attorney-in-Fact


[Signature Page Amendment No. 5 to $1.2bn Facility  Cemex S.A.B. de
C.V.]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



CEMEX MÉXICO, S.A. de C.V., as a
GuarantorBy

/s/ Agustin BlancoName:

Agustin BlancoTitle:

Attorney-in-Fact


[Signature Page Amendment No. 5 to $1.2bn Facility  Cemex
México, S.A. de C.V.]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



EMPRESAS TOLTECA de MÉXICO, S.A. de C.V., as a GuarantorBy

/s/ Agustin BlancoName:

Agustin BlancoTitle:

Attorney-in-Fact


[Signature Page Amendment No. 5 to $1.2bn Facility  Empresas
Tolteca de México, S.A. de C.V]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



BARCLAYS BANK PLC, as Administrative Agent
and as LenderBy

/s/ Nicholas A. BellName:

Nicholas A. BellTitle:

Director


[Signature Page Amendment No. 5 to $1.2bn Facility  Barclays Bank
PLC]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



CITIBANK, N.A., NASSAU, BAHAMAS BRANCH, as
LenderBy

/s/ Leslie MunroeName:

Leslie MunroeTitle:

Attorney-In-Fact


[Signature Page Amendment No. 5 to $1.2bn Facility  Citibank, N.A.,
Nassau, Bahamas Branch]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



BANCO SANTANDER, S.A., NEW YORK BRANCH, as a
LenderBy

/s/ Jorge SaavedraName:

Jorge SaavedraTitle:

Executive DirectorBy

/s/ Jesus LopezName:

Jesus LopezTitle:

Vice President


[Signature Page Amendment No. 5 to $1.2bn Facility  Banco
Santander, S.A., New York Branch]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



THE BANK OF NOVA SCOTIA, as a
LenderBy

/s/ Marian LawsonName:

Marian LawsonTitle:

Managing Director


[Signature Page Amendment No. 5 to $1.2bn Facility  The Bank of
Nova Scotia]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



BANCO BILBAO VIZCAYA ARGENTARIA, S.A., GRAND CAYMAN BRANCH, as a LenderBy

/s/ Rodolfo HareName:

Rodolfo HareTitle:

Global Corporate BankingBy

/s/ Guilherme GobboName:

Guilherme GobboTitle:

Global Corporate Banking


[Signature Page Amendment No. 5 to $1.2bn Facility  BBVA, S.A.,
Grand Cayman Branch]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



BNP PARIBAS PANAMA BRANCH, as a
LenderBy

/s/ Raúl Ardito BarlettaName:

Raúl Ardito BarlettaTitle:

Executive Vice PresidentBy

/s/ Christian GiraudonName:

Christian GiraudonTitle:

General Manager


[Signature Page Amendment No. 5 to $1.2bn Facility  BNP Paribas
Panama Branch]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



CALYON NEW YORK BRANCH, as a
LenderBy

/s/ Jesus TuemeName:

Jesus TuemeTitle:

Managing DirectorBy

/s/ Kevin FloodName:

Kevin FloodTitle:

Vice President


[Signature Page Amendment No. 5 to $1.2bn Facility  Calyon New York
Branch]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



ING BANK N.V. (ACTING THROUGH ITS CURACAO BRANCH), as a LenderBy

/s/ H.F.J. (Freddy) ten HoltName:

H.F.J. (Freddy) ten HoltTitle:

Chief Financial OfficerBy

/s/ A. C. MaduroName:

A. C. MaduroTitle:

Risk Manager


[Signature Page Amendment No. 5 to $1.2bn Facility  ING Bank N.V.,
Acting through its Curacao Branch]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



WACHOVIA BANK, NATIONAL ASSOCIATION, as a
LenderBy

/s/ Kathleen H. ReedyName:

Kathleen H. ReedyTitle:

Managing Director


[Signature Page Amendment No. 5 to $1.2bn Facility  Wachovia Bank,
National Association]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



BAYERISCHE LANDESBANK, NEW YORK BRANCH, as a
LenderBy

/s/ Nikolai von MengdenName:

Nikolai von MengdenTitle:

Senior Vice PresidentBy

/s/ Gina HoeyName:

Gina HoeyTitle:

Vice President


[Signature Page Amendment No. 5 to $1.2bn Facility  Bayerische
Landesbank, New York Branch]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



FORTIS CAPITAL CORP., as a
LenderBy

/s/ Miguel OteroName:

Miguel OteroTitle:

Senior Corporate Manager


[Signature Page Amendment No. 5 to $1.2bn Facility  Fortis Capital
Corp.]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



THE ROYAL BANK OF SCOTLAND PLC, as a LenderBy

/s/ [illegible]Name:

[illegible]Title:

MDBy

/s/ illegibleName:

[illegible]Title:

Director


[Signature Page Amendment No. 5 to $1.2bn Facility  The Royal Bank
of Scotland PLC]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



SOCIÉTÉ GÈNÉRALE, as a LenderBy

/s/ Ambrish ThanawalaName:

Ambrish ThanawalaTitle:

Managing Director


[Signature Page Amendment No. 5 to $1.2bn
Facility  Société Gènérale]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



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

/s/ Emilio ArriagaName:

Emilio ArriagaTitle:

Vice President


[Signature Page Amendment No. 5 to $1.2bn Facility  Bank of
America, N.A.]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



THE BANK OF TOKYO-MITSUBISHI UFJ, LTD., as a
LenderBy

/s/ Makoto KinoshitaName:

Makoto KinoshitaTitle:

VP & Manager


[Signature Page Amendment No. 5 to $1.2bn Facility  The Bank of
Tokyo-Mitsubishi UFJ, Ltd.]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



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

/s/ Pablo OgarrioName:

Pablo OgarrioTitle:

Vice President


[Signature Page Amendment No. 5 to $1.2bn Facility  JPMorgan Chase
Bank, N.A.]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



INTESA SANPAOLO S.p.A., NEW YORK BRANCH, as
a LenderBy

/s/ Barbara J. BassiName:

Barbara J. BassiTitle:

Vice PresidentBy

/s/ [illegible]Name:

[illegible]Title:

[illegible]


[Signature Page Amendment No. 5 to $1.2bn Facility  Intesa Sanpaolo
S.p.A., New York Branch]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



CAJA DE AHORROS Y MONTE DE PIEDAD DE MADRID
MIAMI AGENCY, as a LenderBy

/s/ Jose CuetoName:

Jose CuetoTitle:

Senior VP & Deputy General ManagerBy

/s/ Jesus MiramonName:

Jesus MiramonTitle:

Deputy General Manager


[Signature Page Amendment No. 5 to $1.2bn Facility  Caja de Madrid
Miami Agency]



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IN WITNESS WHEREOF, this Amendment No. 5 has been duly executed as of the date first written above.



MORGAN STANLEY BANK, as a
LenderBy

/s/ Melissa JamesName:

Melissa JamesTitle:

Authorized Signatory


[Signature Page Amendment No. 5 to $1.2bn Facility  Morgan Stanley
Bank]



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EXHIBIT A



|(1) | Amended and Restated Credit Agreement, dated as of June 6, 2005, by and among CEMEX S.A.B. de C.V., as borrower, CEMEX México S.A. de C.V. and Empresas Tolteca de
México S.A. de C.V., as guarantors, Barclays Bank PLC, New York Branch, as issuing bank and documentation agent, ING Bank N.V., as issuing bank, the several lenders party thereto, and Barclays Capital, The Investment Banking Division of
Barclays Bank PLC, as joint bookrunner, Citigroup Global Markets Inc., as joint bookrunner and syndication agent, and ING Capital LLC, as joint bookrunner and administrative agent, for an aggregate principal amount of U.S.$700,000,000, as amended by
Amendment No. 1 thereto, dated as of June 21, 2006, the Amendment and Waiver Agreement, dated as of December 1, 2006, the Third Amendment to Credit Agreement, dated as of May 9, 2007, the Waiver Agreement, dated as of
November 30, 2007 and the Fourth Amendment to Credit Agreement, dated as of December 19, 2008.
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|(2) | Amended and Restated Facilities Agreement, dated as of December 19, 2008, by and among New Sunward Holding B.V., as borrower, CEMEX S.A.B. de C.V., CEMEX México S.A. de
C.V. and Empresas Tolteca de México S.A. de C.V., as original guarantors, Banco Bilbao Vizcaya Argentaria, S.A., BNP Paribas and Citigroup Global Markets, Inc., as arrangers, and Citibank, N.A. as agent and on behalf of the finance parties,
for an aggregate principal amount of U.S.$700,000,000.
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|(3) | Senior Unsecured Maturity Loan A Agreement, dated as of December 31, 2008, by and among NSH, as borrower, CEMEX S.A.B. de C.V., and CEMEX México S.A. de
C.V., as guarantors, HSBC Securities (USA) Inc., as sole structuring agent, HSBC Securities (USA) Inc., Banco Santander, S.A., and The Royal Bank of Scotland Plc, each as joint lead arranger and joint bookrunner, ING Capital LLC, as administrative
agent, and the several lenders party thereto, for an aggregate principal amount of U.S.$525,000,000.
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|(4) | Senior Unsecured Maturity Loan B Agreement, dated as of December 31, 2008, by and among NSH, as borrower, CEMEX S.A.B. de C.V., and CEMEX México S.A. de
C.V., as guarantors, HSBC Securities (USA) Inc., as sole structuring agent, HSBC Securities (USA) Inc., Banco Santander, S.A., and The Royal Bank of Scotland Plc, each as joint lead arranger and joint bookrunner, ING Capital LLC, as administrative
agent, and the several lenders party thereto, for an aggregate principal amount of U.S.$525,000,000.
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|(5) | Credit Agreement, dated as of June 25, 2008, among CEMEX S.A.B. de C.V., as borrower, CEMEX México S.A. de C.V., as guarantor, and Banco Bilbao Vizcaya Argentaria, S.A.
New York Branch, as lender, for an aggregate principal amount of U.S.$500,000,000, as amended by the First Amendment to the Credit Agreement, dated as of December 19, 2008.
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