Document:

Exhibit 10(a)

CONSULTING AGREEMENT

THIS CONSULTING AGREEMENT is made and entered into as of June 26, 2012 (the “Agreement”), between CHURCHILL DOWNS INCORPORATED, a Kentucky corporation (“Churchill”) and Michael B. Brodsky, an individual (“Consultant”).

WHEREAS, Churchill desires to have Consultant perform certain services and Consultant desires to perform certain services, including consulting services related to issues involving Youbet.com, Inc. (“Youbet”), the acquisition thereof by Churchill and any post-acquisition issues related thereto, as more fully specified in this Agreement.

NOW, THEREFORE, in consideration of the mutual promises set forth herein, it is agreed by and between Churchill and Consultant that:

1.    Description of Work.  The work to be performed by Consultant includes the following services (collectively, the “Services”; any outputs of the Services described below may be referred to as the “Work”):

A.    Consultant shall provide consulting services to Churchill regarding issues involving Youbet, the acquisition thereof by Churchill and any post-acquisition issues related thereto, including but not limited to the resolution of litigation matters involving Youbet.

B.    Consultant shall provide consulting services to Churchill related to the issues set forth in Section 1(A) as requested by Consultant's contact at Churchill as provided in Section 3(A) below.

C.    Consultant shall perform the services which are normally attendant to, and ancillary to, the performance of the services set forth above.

2.    Payment.    Churchill agrees to pay Consultant seventy-five thousand dollars (US$75,000.00) in a lump sum on January 31, 2013 for Consultant's satisfactory provision of the Services and delivery of the Work.

		
	1.
	Relationship of the Parties.

A.    Consultant's contact at Churchill shall be Churchill's Chairman and Chief Executive Officer (the “CEO”) and any designee named by the CEO.  

B.    The parties intend that an independent contractor relationship be created by this Agreement.  Consultant understands that he is not an employee of Churchill and is not to be considered an agent or employee of Churchill for any purpose, except as specifically set forth herein.

C.    Consultant does not have any authority to bind Churchill as an agent.

D.    None of the benefits provided by Churchill to Churchill's directors, officers or other employees, including, but not limited to, worker's compensation insurance, unemployment insurance, group health and/or life insurance, or pension plan participation, shall be available to Consultant or Consultant's agents or employees.

E.    Churchill is interested only in the results to be achieved by Consultant, and Consultant will be solely and entirely responsible for the conduct and control of the Services and Work to 

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be performed hereunder.  

F.    The Work and Services provided for herein shall be performed by Consultant and no other person except upon the prior written approval of Churchill.

G.    Although in the performance of the Services herein contemplated Consultant is an independent contractor with the authority to control and to direct the performance of the details thereof, Churchill being interested only in the results obtained, the Work must meet the approval of Churchill and shall be subject to Churchill's general right of supervision to secure the satisfactory completion thereof.  Consultant shall perform all Services to the best of his ability and in such a manner as to avoid any adverse publicity or impression of Churchill.

H.    Consultant shall comply with all local, state, federal and international laws, rules and regulations that are now or may become applicable to Consultant and the Services performed under this Agreement.

I.    To the extent that Consultant's Work includes any work of authorship entitled to protection under the laws of copyright, Consultant hereby irrevocably grants to Churchill all right, title and interest in and to Consultant's Work (including but not limited to the copyright therein), and any and all ideas and information embodied therein, in perpetuity and throughout the world.  Consultant agrees to execute and deliver to Churchill on request and hereby grants to Churchill a power of attorney, irrevocable and coupled with an interest, to execute for Consultant and in Consultant's name all documents and instruments necessary or desirable to effectuate the intents and purposes of this paragraph and to accomplish, evidence and perfect the rights granted to Churchill in this paragraph, including, but not limited to, documents to apply for and obtain registration of copyrights in and to Consultant's Work, or any part thereof, and documents to assign such copyrights to Churchill.

J.    Consultant shall perform the Services by phone, unless Consultant expressly agrees otherwise.

K.    Consultant shall perform Services (other than any Services relating to the resolution of litigation matters involving Youbet) for no more than 20 hours per calendar quarter, unless Consultant expressly agrees otherwise.

4.    Other Work.     Churchill recognizes and agrees that Consultant may have a working relationship with, and in the future will work with, other parties.  Consultant represents and covenants that performance of the services for the foregoing shall not interfere or affect his ability to perform the Services contemplated herein for Churchill.  

5.    Termination.    This Agreement shall remain in effect from the date first set forth above through January 31, 2014; provided that (a) either party may terminate this Agreement if the other party materially breaches this Agreement, provided, however, such termination shall not be effective unless the breaching party fails to cure such breach within seven (7) calendar days' written notice of such breach and (b) the provision of Services relating to the resolution of litigation matters involving Youbet shall survive the termination of this Agreement.  

6.    Confidentiality.  Both during and after the termination of this Agreement, Consultant will maintain the absolute confidentiality of all information relating to Churchill that he has learned from his position as an independent contractor with Churchill under this Agreement and formerly as a director of Churchill, as further detailed in the Confidentiality Agreement attached to this Agreement and 

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incorporated herein as Exhibit A.  

7.    Reasonableness; Enforcement.  Consultant acknowledges that the covenants made by Consultant in this Agreement are reasonable under the circumstances and agrees that in the event of a breach by Consultant of any of such covenants, Churchill may not have an adequate remedy at law and that in addition to any other remedy which may be available to Churchill, Churchill shall be entitled to enforce such covenants through specific enforcement, injunction, or other equitable remedy and in such event, Consultant hereby waives the defense that Churchill has an adequate remedy at law.  In the event that any court finds that any of such covenants are too broad as to scope, duration, or geographic territory, then such court shall modify such covenants so that following such modification, such covenants shall be enforceable by Churchill as modified.

8.    Mutual Release.  Consultant hereby releases and forever discharges Churchill and its present and former directors, officers, employees, agents, affiliated entities, successors and assigns (collectively, the “Churchill Released Parties”) from all actions, causes of actions, claims, suits, reimbursements, obligations, costs, expenses, debts, judgments, liabilities, damages, attorneys' fees, interest, penalties and all other legal responsibilities, of any form whatsoever, that Consultant have had, now have or may hereafter have against Churchill or the Released Parties, excluding a breach of this Agreement by Churchill (collectively, the “Claims”).  Churchill hereby releases and forever discharges Consultant and his employees, agents, affiliates, successors, assigns, accountants, attorneys and other advisors (collectively, the “Consultant Released Parties”) from all Claims that Churchill have had, now have or may hereafter have against Consultant or the Consultant Released Parties relating solely to Consultant's services as a director of Churchill, excluding a breach of this Agreement by Consultant.

9.    Representations and Warranties. Consultant represents and warrants that it is the sole and unconditional owner of any Claims and that (a) it has not assigned, pledged, hypothecated, contracted or otherwise divested or encumbered all or any part of any of same and (b) that no other person or entity (of any kind) has any interest in any Claims. Consultant further represents and warrants that it has all requisite power and authority to provide the Services and to enter into this Agreement and perform its obligations herein. 

10.    Miscellaneous.    

A.Entire Agreement.  This Agreement contains the entire agreement of the parties and supersedes any and all prior to contemporaneous oral or written agreements with respect to the subject matter hereof.  No modification, extension, renewal, rescission, termination or waiver of any of the provisions hereof shall be binding upon any of the parties made in writing and duly executed by the parties.

B.    Counterparts.  This Agreement may be executed in counterparts, all of which taken together shall constitute one single Agreement between the parties.

C.    Severability.  Should any part of this Agreement be found defective in a court of law or by arbitration, then such part shall be excised from the Agreement and the remainder of the Agreement shall be interpreted as a whole.

D.    Prohibition of Assignment.  Neither party hereto shall have the right to assign the Agreement without the prior written consent of the other party.

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E.    Headings.  All headings herein are inserted only for convenience and ease of reference and are not to be considered in the construction or interpretation of any provisions of this Agreement.

F.    Construction of Agreement.  The parties recognize that important legal rights are affected by this Agreement.  This Agreement has been prepared by legal counsel to Churchill as a matter of convenience, and Churchill and Consultant each agree that such preparation shall not be construed for or against Churchill in this regard.  Consultant has sought, or has had the opportunity to seek, independent legal advice from competent attorneys of his own selection to review and comment upon this Agreement, and this Agreement shall be deemed to have been jointly drafted and prepared by Churchill and Consultant for purposes of future construction and interpretation.

G.    Governing Law; Choice of Venue.  This Agreement shall be construed in accordance with the laws of the Commonwealth of Kentucky, without regard to its conflicts of laws principles.  Churchill and Consultant agree that any legal action or proceeding arising out of, relating to, or in connection with this Agreement, or the interpretation, validity, construction, performance, breach, or termination thereof, shall be brought in the state or federal courts located in Louisville, Kentucky.  Both parties consent to personal jurisdiction of such courts for any such action or proceeding and waive any defenses to venue in such courts.

[Signature Page Following]

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IN WITNESS WHEREOF, the parties have executed this Agreement as of the date first set forth above.

Churchill:

CHURCHILL DOWNS INCORPORATED,
a Kentucky corporation

By:    /s/ Robert L. Evans            
Robert L. Evans, 
Chairman and 
Chief Executive Officer

Consultant:

/s/ Michael B. Brodsky            
Michael B. Brodsky, an individual

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EXHIBIT A

CONFIDENTIALITY AGREEMENT
WHEREAS, Churchill has requested that Consultant provide certain services to Churchill as more fully specified in the Agreement to which this Confidentiality Agreement is attached as Exhibit A (collectively, the “Services”); and
WHEREAS, to facilitate Consultant's provision of the Services, Consultant may be given access to certain non-public, proprietary and confidential information; and
WHEREAS, the parties to this Confidentiality Agreement (this “Confidentiality Agreement”) desire to establish terms governing the confidentiality of certain confidential and proprietary information that Churchill may disclose or has previously disclosed to Consultant;
NOW, THEREFORE, THE PARTIES AGREE AS FOLLOWS:

1.     For purposes of this Confidentiality Agreement, "Confidential Information" shall mean: (a) financial statements, business plans, strategic plans, proprietary market information, customer information, analyses, ideas, concepts, innovations, compilations and any other strategic, competitively sensitive or proprietary information disclosed to Consultant; (b) the Agreement (including this Confidentiality Agreement) and all documents and materials relating thereto and to the negotiation and execution thereof; and (c) all observations, estimates, conclusions, ideas or concepts reasonably related to Confidential Information disclosed by Churchill to Consultant.

2.     Consultant shall not divulge or disclose any Confidential Information to any person, firm or entity other than the employees, agents, officers, directors, accountants, attorneys and other advisors of or to Consultant who have a need to know such information, nor shall Consultant use any Confidential Information for any purpose other than the provision of the Services to Churchill.  Further, Consultant shall not use any Confidential Information, either directly or through any other entity, in any manner which to Consultant's knowledge is detrimental to Churchill.  Notwithstanding the foregoing, Confidential Information shall not include information (a) rightfully in Consultant's possession before receipt from Churchill or from any party with a direct or indirect confidentiality commitment to Churchill; (b) acquired by Consultant from others who have no direct or indirect confidential commitment to Churchill; (c) already in, or which becomes part of, the public domain without the fault or participation of Consultant.  

Notwithstanding the preceding paragraph, Consultant shall not have any obligation hereunder to keep confidential any Confidential Information if and to the extent disclosure of any such Confidential Information is specifically required by applicable law.  In such event, Consultant shall provide Churchill (to the extent legally permissible) with prompt notice notice in advance of such disclosure so that Churchill may, at its sole expense, seek a protective order or other appropriate remedy and/or waive compliance with this Agreement; and shall cooperate with Churchill in pursuing any such course of action.

3.    Consultant shall transmit Confidential Information only to those persons who are actively involved in the provision of the Services to Churchill, and who have been informed of and have agreed to comply with the terms of this Confidentiality Agreement.  Consultant shall be responsible for any breach of the terms of this Confidentiality Agreement by such persons.  Any copies made of Confidential 

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Information shall be strictly accounted for by Consultant.

4.    Upon termination or expiration of the Agreement or when otherwise requested in writing by Churchill, Consultant shall immediately return or destroy (and confirm in writing to Churchill such fact) the Confidential Information, including all copies, reproductions, summaries, or extracts thereof, which are then in the possession or control of Consultant, and shall not (except for this Agreement) retain any copies, reproductions, summaries, or extracts thereof. The return or destruction of such materials shall have no effect on Consultant's obligations under this Confidentiality Agreement to maintain the confidentiality of the Confidential Information.

5.    Consultant recognizes that money damages are not an entirely sufficient remedy in the event of a breach of this Confidentiality Agreement and that in addition to all other remedies, Churchill shall be entitled to seek specific performance and injunctive or other relief as a remedy for any such breach. Churchill will not be required to post bond as a condition precedent to its equitable remedies.

7Exhbit 10.1 - Q22012

Exhibit 10.1
FIRST AMENDMENT TO
CREDIT AGREEMENT

THIS FIRST AMENDMENT TO CREDIT AGREEMENT, dated as of the 20th day of July, 2012 (this “Amendment”), is entered into among CRAWFORD & COMPANY, a Georgia corporation (“Crawford”), CRAWFORD & COMPANY RISK SERVICES INVESTMENTS LIMITED, a limited company incorporated under the laws of England and Wales with registered number 02855446 (the “UK Borrower”), CRAWFORD & COMPANY (CANADA) INC., a corporation incorporated under the laws of Canada (the “Canadian Borrower”), CRAWFORD & COMPANY (AUSTRALIA) PTY. LTD., a proprietary limited organized in Australia (ABN 11 002 317 133) (the “Australian Borrower” and, together with Crawford, the UK Borrower and the Canadian Borrower, the “Borrowers”), the Subsidiary Guarantors under the hereinafter defined Credit Agreement, the Required Lenders under the hereinafter defined Credit Agreement and WELLS FARGO BANK, NATIONAL ASSOCIATION, as Administrative Agent under the hereinafter defined Credit Agreement (the “Administrative Agent”).
RECITALS
A.    Reference is made to the Credit Agreement, dated as of December 8, 2011, between the Borrowers, the Lenders party thereto from time to time and the Administrative Agent (as amended from time to time, the “Credit Agreement”).  Capitalized terms not otherwise defined herein shall have the meaning given to such terms in the Credit Agreement.
B.    The Borrowers have requested and the Required Lenders and the Administrative Agent have agreed, on the terms and subject to the conditions set forth herein, to amend the Credit Agreement as set forth herein.
AGREEMENT
NOW, THEREFORE, in consideration of the mutual provisions, covenants and agreements herein contained, the parties hereto hereby agree as follows:
ARTICLE I
AMENDMENTS
1.1    The definition of “Unfinanced Capital Expenditures” in Section 1.1 of the Credit Agreement is hereby amended in its entirety as follows:

““Unfinanced Capital Expenditures” means Capital Expenditures that are not financed by Indebtedness (other than Borrowings of Loans), other than such Capital Expenditures (i) included within the Acquisition Amount of any Permitted Acquisition, (ii) to the extent funded with the Net Cash Proceeds of a Casualty Event, (iii) with respect to tenant improvements of leased Realty that are financed by allowances provided by the lessor of such Realty, (iv) to the extent financed with the proceeds of Asset Dispositions or (v) made after January 1, 2012, to the extent (A) financed with cash advanced to a 

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Consolidated Entity prior to the date such Capital Expenditure is made or (B) for which a Consolidated Entity was reimbursed in cash within 90 days after such Capital Expenditure was made, in each case by a client of such Consolidated Entity for the express purpose of making such Capital Expenditure.  For purposes of this definition, the purchase price of equipment or other fixed assets that are purchased substantially contemporaneously with the trade-in of existing assets shall be included in Unfinanced Capital Expenditures only to the extent of the gross amount by which such purchase price exceeds the credit granted by the seller of such assets for the assets being traded in at such time.”
1.2    Section 6.2(a) of the Credit Agreement is hereby amended in its entirety as follows:

“(a)    Concurrently with each delivery of the financial statements described in Sections 6.1(a) and 6.1(b), (i) a Compliance Certificate with respect to the period covered by the financial statements being delivered thereunder, executed by a Financial Officer of Crawford, together with a Covenant Compliance Worksheet reflecting the computation of the financial covenants set forth in Article VII as of the last day of the period covered by such financial statements and (ii) for each Capital Expenditure made during the Reference Period covered by the Compliance Certificate being delivered therewith which was either (A) financed with cash advanced from a client to a Consolidated Entity prior to the date such Capital Expenditure was made or (B) reimbursed to a Consolidated Entity within 90 days thereafter, a report detailing (1) the date and amount of such Capital Expenditure, (2) the name of the client for which such Capital Expenditure was made, and (3) the date on which such client paid or reimbursed such Consolidated Entity for such Capital Expenditure and the amount of such payment or reimbursement;”
1.3    Section 10.10(b) of the Credit Agreement is hereby amended in its entirety as follows:

“(b)    The Lenders hereby authorize the Administrative Agent, at its option and in its discretion, (i) to release any Lien on any property granted to or held by the Administrative Agent under any Credit Document (A) upon (w) termination of the Commitments, (x) payment in full of all of the Obligations (other than contingent and indemnification obligations not then due and payable and other than Obligations described in the following clause (y), except as expressly set forth therein), (y) termination of, and settlement of all obligations of all Consolidated Entities under, all Hedge Agreements required or permitted by this Agreement to which any Hedge Party is a party and all Cash Management Agreements to which any Cash Management Bank is a party to the extent the terms of such Hedge Agreements and Cash Management Agreements expressly require the termination thereof or settlement of the obligations of any Consolidated Entity thereunder as a result of the termination of the Credit Agreement and (z) expiration or termination of all Letters of Credit (other than Letters of Credit as to which other arrangements (including the posting of cash collateral) satisfactory to the Administrative Agent and the Issuing Banks shall have been made), (B) that is sold or otherwise disposed of or to be sold or otherwise disposed of as part of or in connection 

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with any sale or other disposition permitted under the Credit Documents or with respect to which such Lien is not required to be maintained pursuant to the terms of the Credit Documents or (C) subject to Section 11.5, if approved, authorized or ratified in writing by the Required Lenders; (ii) to subordinate any Lien on any property granted to or held by the Administrative Agent under any Credit Document to the holder of any Lien on such property that is permitted by Section 8.3(vii); and (iii) to release any Subsidiary Guarantor from its obligations under the Guaranty if such Person ceases to be a Subsidiary as a result of a transaction permitted under the Credit Documents.  Upon request by the Administrative Agent at any time, the Lenders will confirm in writing the Administrative Agent's authority to release or subordinate its interest in particular types or items of property, or to release any Subsidiary Guarantor from its obligations under the Guaranty, pursuant to this Section 10.10(b).”
ARTICLE II

CONDITIONS OF EFFECTIVENESS

This Amendment shall become effective upon the receipt by the Administrative Agent of (i) an executed counterpart hereof from each of the Borrowers and the Required Lenders and (ii) all reasonable documented out-of-pocket expenses required to be paid by Crawford under the Credit Agreement (including the reasonable fees and expenses of counsel for the Administrative Agent) associated with this Amendment.
ARTICLE III

REPRESENTATIONS AND WARRANTIES

Each Credit Party represents and warrants to the Administrative Agent and the Lenders that (i) each of the representations and warranties of such Credit Party contained in the Credit Agreement and in the other Credit Documents qualified as to materiality is true and correct and each not so qualified is true and correct in all material respects on and as of the date hereof, both immediately before and after giving effect to this Amendment (except to the extent any such representation or warranty is expressly stated to have been made as of a specific date, in which case such representation or warranty shall be true and correct as of such date); (ii) this Agreement has been duly authorized, executed and delivered by each Credit Party and constitutes the legal, valid and binding obligation of such Credit Party, enforceable against its in accordance with its terms, except as enforceability may be limited by bankruptcy, insolvency, reorganization, moratorium or other similar laws affecting creditors' rights generally, by general equitable principles or by principles of good faith and fair dealing (regardless of whether enforcement is sought in equity or at law); and (iii) no Default or Event of Default shall have occurred and be continuing on the date hereof, both immediately before and after giving effect to this Amendment.

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ARTICLE IV

ACKNOWLEDGMENT AND CONFIRMATION OF THE CREDIT PARTIES

Each Credit Party hereby confirms and agrees that, after giving effect to this Amendment, the Credit Agreement and the other Credit Documents remain in full force and effect and enforceable against such Credit Party in accordance with their respective terms and shall not be discharged, diminished, limited or otherwise affected in any respect, and represents and warrants to the Administrative Agent and the Lenders that it has no knowledge of any claims, counterclaims, offsets or defenses to or with respect to its obligations under the Credit Documents, or if such Credit Party has any such claims, counterclaims, offsets, or defenses to the Credit Documents or any transaction related to the Credit Documents, the same are hereby waived, relinquished, and released in consideration of the execution of this Amendment.  This acknowledgement and confirmation by the Credit Parties is made and delivered to induce the Administrative Agent and the Lenders to enter into this Amendment, and each Credit Party acknowledges that the Administrative Agent and the Lenders would not enter into this Amendment in the absence of the acknowledgement and confirmation contained herein.
ARTICLE V

MISCELLANEOUS
5.1    Governing Law.  This Amendment shall be governed by, and construed in accordance with, the law of the State of New York (including Sections 5-1401 and 5-1402 of the New York General Obligations Law, but excluding all other choice of law and conflicts of law rules).

5.2    Full Force and Effect.  Except as expressly amended hereby, the Credit Agreement and the other Credit Documents, including, without limitation, the Security Agreement and the Guaranty, shall continue in full force and effect in accordance with the provisions thereof on the date hereof, and each Credit Party ratifies and reaffirms the grant of security interests and liens granted by such Credit Party in favor of the Administrative Agent for the benefit of the Lenders.  As used in the Credit Agreement, “hereinafter,” “hereto,” “hereof,” and words of similar import shall, unless the context otherwise requires, mean the Credit Agreement after giving effect to this Amendment.  Any reference to the Credit Agreement or any of the other Credit Documents herein or in any such documents shall refer to the Credit Agreement and Credit Documents as amended hereby.  This Amendment is limited as specified and shall not constitute or be deemed to constitute an amendment, modification or waiver of any provision of the Credit Agreement except as expressly set forth herein.  This Amendment shall constitute a Credit Document under the terms of the Credit Agreement.

5.3    Expenses.  Crawford agrees on demand (i) to pay the reasonable fees and expenses of counsel for the Administrative Agent and (ii) to reimburse the Administrative Agent for all reasonable documented out-of-pocket expenses incurred by the Administrative Agent and its Affiliates, in each case, in connection with the preparation, negotiation, execution and delivery of this Amendment.

    

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5.4    Severability.  To the extent any provision of this Amendment is prohibited by or invalid under the applicable law of any jurisdiction, such provision shall be ineffective only to the extent of such prohibition or invalidity and only in any such jurisdiction, without prohibiting or invalidating such provision in any other jurisdiction or the remaining provisions of this Amendment in any jurisdiction.

5.5    Successors and Assigns.  This Amendment shall be binding upon, inure to the benefit of and be enforceable by the respective successors and permitted assigns of the parties hereto.

5.6    Construction.  The headings of the various sections and subsections of this Amendment have been inserted for convenience only and shall not in any way affect the meaning or construction of any of the provisions hereof.

5.7    Counterparts.  This Amendment may be executed in any number of counterparts and by different parties hereto on separate counterparts, each of which when so executed and delivered shall be an original, but all of which shall together constitute one and the same instrument.  Delivery of an executed counterpart of a signature page to this Amendment by facsimile or in electronic format (e.g., “pdf” or “tif” file format) shall be effective as delivery of a manually executed counterpart of this Amendment.

[THE BALANCE OF THIS PAGE IS INTENTIONALLY LEFT BLANK]

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IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed by their duly authorized officers as of the date first above written.
CRAWFORD & COMPANY
By:    /s/ Joseph Caporaso                                                

Name:    Joseph Caporaso                                                     

Title:    SVP - Treasurer                                               
        
CRAWFORD & COMPANY RISK SERVICES INVESTMENTS LIMITED
By:    /s/ Ian V. Muress                                                    

Name:    Ian V. Muress                                                         

Title:    Director                                                                  
CRAWFORD & COMPANY (CANADA) INC.
By:    /s/ Joseph Caporaso                                                

Name:    Joseph Caporaso                                                     

Title:    SVP - Treasurer                                               
                                                                                                                                                                   

Signature Page to First Amendment

EXECUTED by CRAWFORD & COMPANY (AUSTRALIA) PTY. LTD. in accordance with section 127(1) of the Corporations Act 2001 (Cwlth) by authority of its directors:
By:    /s/ Ian V. Muress                                                    

Name:    Ian V. Muress                                                         

Title:    Director                                                          
        
By:      /s/ W.  Bruce Swain                                                

Name:    W. Bruce Swain                                                       
Title:    EVP - Chief Executive Officer                       
        

Signature Page to First Amendment

CRAWFORD & COMPANY INTERNATIONAL, INC.
By:    /s/ Joseph Caporaso                                                

Name:    Joseph Caporaso                                                     

Title:    SVP - Treasurer                                               
        
CRAWFORD & COMPANY EMEA / A-P HOLDINGS LIMITED
By:    /s/ Ian V. Muress                                                    

Name:    Ian V. Muress                                                         

Title:    Director                                                                  
CRAWFORD & COMPANY ADJUSTERS LIMITED
By:    /s/ Ian V. Muress                                                    

Name:    Ian V. Muress                                                         

Title:    Director                                                                  
THE GARDEN CITY GROUP, INC.
By:    /s/ Joseph Caporaso                                                

Name:    Joseph Caporaso                                                     

Title:    SVP - Treasurer                                               
        

Signature Page to First Amendment

CRAWFORD LEASING SERVICES, INC.
By:    /s/ Joseph Caporaso                                                

Name:    Joseph Caporaso                                                     

Title:    SVP - Treasurer                                               
        

Signature Page to First Amendment

RISK SCIENCES GROUP, INC.
By:    /s/ Joseph Caporaso                                                

Name:    Joseph Caporaso                                                     

Title:    SVP - Treasurer                                               
        
BROADSPIRE SERVICES, INC.
By:    /s/ Joseph Caporaso                                                

Name:    Joseph Caporaso                                                     

Title:    SVP - Treasurer                                               
_        
BROADSPIRE INSURANCE SERVICES, INC.
By:    /s/ Joseph Caporaso                                                

Name:    Joseph Caporaso                                                     

Title:    SVP - Treasurer                                               
        
SETTLEMENT SERVICES, INC.
By:    /s/ Joseph Caporaso                                                

Name:    Joseph Caporaso                                                     

Title:    SVP - Treasurer                                               
        

Signature Page to First Amendment

WELLS FARGO BANK, NATIONAL ASSOCIATION, as Administrative Agent and a Lender
By:    /s/ Brian L. Martin                                             
        
Name:    Brian L. Martin                                                      

Title:    Senior Vice President                                              

Signature Page to First Amendment

BANK OF AMERICA, N.A., as a Lender
By:    /s/ Ryan Maples                                                  
        
Name:    Ryan Maples                                                          

Title:    Vice President                                                            

Signature Page to First Amendment

RBS CITIZENS, N.A., as a Lender
By:    /s/ Daniel Bernard                                                  

Name:    Daniel Bernard                                                       

Title:    Senior Vice President                                             

Signature Page to First Amendment

FIFTH THIRD BANK, as a Lender
By:    /s/ Jonathan Janes                                                  

Name:    Jonathan Janes                                                       

Title:    Vice President                                                            

Signature Page to First Amendment

HSBC BANK USA, NA, as a Lender
By:    /s/ Peter Hart                                                          

Name:    Peter Hart                                                               

Title:    Vice President                                                        

Signature Page to First Amendment

THE NORTHERN TRUST COMPANY, as a Lender
By:    /s/ Kathryn S. Reuther                                            

Name:    Kathryn S. Reuther                                                

Title:    SVP                                                                    

Signature Page to First Amendment

ROYAL BANK OF CANADA, as a Lender

By:    /s/ Thomas E. Paton                                               

Name:    Thomas E. Paton                                                    

Title:    Authorized Signatory                                      
    

Signature Page to First Amendment

SUNTRUST BANK, as a Lender

By:    /s/ Peter Wesemeier                                                

Name:    Peter Wesemeier                                                     

Title:    Vice President                                                
    

Signature Page to First Amendment

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