Document:

Amendment No. 2 to Credit Agreement, dated 10/22/2003

 EXHIBIT 10(pp) 
  
 EXECUTION COPY 
  
 AMENDMENT NO. 2 
  
 AMENDMENT NO. 2 dated as of October 22, 2003 to the Credit Agreement referred to below, between: THE FIRST AMERICAN CORPORATION, a California corporation
(the “Borrower”); each of the lenders that is a signatory hereto (individually, a “Lender” and, collectively, the “Lenders”) and JPMORGAN CHASE BANK, as agent for the Lenders (in such capacity,
together with its successors in such capacity, the “Administrative Agent”). 
  
 The Borrower, the Lenders and the Administrative Agent are parties to a Credit Agreement dated as of October 12, 2001 (as amended, the “Credit
Agreement”), pursuant to which a revolving credit facility is made available to the Borrower. The Borrower, the Lenders and the Administrative Agent wish to amend the Credit Agreement in certain respects, and accordingly, the parties hereto
hereby agree as follows: 
  
 Section 1. Definitions.
Capitalized terms used in this Amendment No. 2 and not otherwise defined are used herein as defined in the Credit Agreement. 
  
 Section 2. Amendments. Subject to the satisfaction of the conditions precedent specified in Section 4 below, but effective as of the date hereof,
the Credit Agreement shall be amended as follows: 
  
 2.01.
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. Section 6.01(m) of the Credit Agreement is hereby amended in its entirety to read as follows: 
  
 “(m) in addition to the Indebtedness permitted under clause (i) of this Section, additional Indebtedness of FATICO secured by a Lien
upon its real property located in Santa Ana, California, and/or related fixtures and personal property including insurance and condemnation proceeds, if any, and assignment of leases and rents, with respect thereto (which Indebtedness may be
guaranteed by the Borrower) that exceeds 80% of the market value of such property, provided that the aggregate principal amount of Indebtedness permitted under this clause (m) shall not exceed $55,000,000 at any one time outstanding;
and” 
  
 Section 3. Representations and Warranties.
The Borrower represents and warrants to the Lenders that (a) the representations and warranties set forth in Section 3 of the Credit Agreement are true and complete on the date hereof as if made on and as of the date hereof and as if each reference
in said Section 3 to “this Agreement” included reference to this Amendment No. 2 and (b) immediately before and after giving effect to the amendment under Section 2 hereof, no Default has occurred and is continuing. 

 Section 4. Conditions Precedent to Effectiveness. The amendments to the Credit Agreement set forth
in Section 2 hereof shall become effective, as of the date hereof, upon receipt by the Administrative Agent of one or more counterparts of this Amendment No. 2 executed by the Borrower and the Required Lenders. 
  
 Section 5. Miscellaneous. Except as herein provided, the Credit
Agreement shall remain unchanged and in full force and effect. This Amendment No. 2 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 No. 2 by signing any such counterpart. This Amendment No. 2 shall be governed by, and construed in accordance with, the law of the State of New York. 
  

 -1- 

 IN WITNESS WHEREOF, the parties hereto have caused this Amendment No. 2 to be duly executed and delivered
as of the day and year first above written. 
  

			
	THE FIRST AMERICAN CORPORATION
		
	By	 	/s/    THOMAS A. KLEMENS
	 	 	

	 	 	 Name: Thomas A. Klemens
 Title:    Senior Executive Vice President
        Chief Financial
Officer

  

 -2- 

			
	 JPMORGAN CHASE BANK
     individually and as Administrative Agent

		
	By	 	/s/    LAWRENCE PALUMBO, JR.
	 	 	

	 	 	 Name: Lawrence Palumbo, Jr.
 Title:   Vice President

  
  

			
	COMERICA BANK
		
	By	 	/s/     FERNANDO LOZA
	 	 	

	 	 	 Name: Fernando Loza
 Title:   Assistant Vice President

  

			
	COMERICA BANK CALIFORNIA
		
	By	 	/s/     FERNANDO LOZA
	 	 	

	 	 	 Name: Fernando Loza
 Title:   Assistant Vice President

 : 

			
	UNION BANK OF CALIFORNIA, N.A.
		
	By	 	/s/    JOSEPH M. ARGABRITE
	 	 	

	 	 	 Name: Joseph M. Argabrite
 Title:   Vice President

  
  
  

			
	BANK OF THE WEST ( F/K/A UNITED CALIFORNIA BANK)
		
	By	 	/s/    DALE PATERSON
	 	 	

	 	 	 Name: Dale Paterson
 Title:   Vice President

  

 -3- 

			
	BANK ONE ARIZONA, NA
		
	By	 	 
	 	 	

	 	 	 Name:
 Title:

  

			
	 BANK ONE, NA

		
	By	 	 
	 	 	

	 	 	 Name:
 Title:

  

			
	 WELLS FARGO BANK, N.A.

		
	By	 	/s/    MATTHEW A. FREY
	 	 	

	 	 	 Name: Matthew A. Frey
 Title:   Vice President

  

			
	 U.S. BANK NATIONAL ASSOCIATION

		
	By	 	/s/    RYAN STIPE
	 	 	

	 	 	 Name: Ryan Stipe
 Title:   Assistant Vice President

  

			
	 U.S. BANK NATIONAL ASSOCIATION (OREGON)

		
	By	 	 
	 	 	

	 	 	 Name:
 Title:

  

			
	 BANK OF AMERICA, N.A.

		
	By	 	/s/    BOB L. CASTON
	 	 	

	 	 	 Name: Bob L. Caston
 Title:   Managing Director

  

 -4- 

			
	 FLEET NATIONAL BANK

		
	By	 	 
	 	 	

	 	 	 Name:
 Title:

  

			
	 SUMITOMO MITSUI BANKING CORPORATION

		
	By	 	 
	 	 	

	 	 	 Name:
 Title:

  

			
	 FIRST SECURITY BANK, N.A.

		
	By	 	 
	 	 	

	 	 	 Name:
 Title:

  

			
	 SUNTRUST BANK, CENTRAL FLORIDA, N.A.

		
	By	 	 
	 	 	

	 	 	 Name:
 Title:

  

 -5-Amendment No. 3 to Credit Agreement, dated 11/26/2003

 EXHIBIT 10(qq) 
  
 EXECUTION COPY 
  
 AMENDMENT NO. 3 
  
 AMENDMENT NO. 3 dated as of November 26, 2003 to the Credit Agreement referred to below, between: THE FIRST AMERICAN CORPORATION, a California corporation
(the “Borrower”); each of the lenders that is a signatory hereto (individually, a “Lender” and, collectively, the “Lenders”); and JPMORGAN CHASE BANK, as agent for the Lenders (in such capacity,
together with its successors in such capacity, the “Administrative Agent”). 
  
 The Borrower, the Lenders and the Administrative Agent are parties to a Credit Agreement dated as of October 12, 2001 (as amended, the “Credit Agreement”), pursuant to which a revolving credit
facility is made available to the Borrower. The Borrower, the Lenders and the Administrative Agent wish to amend the Credit Agreement in certain respects, and accordingly, the parties hereto hereby agree as follows: 
  
 Section 1. Definitions. Capitalized terms used in this Amendment No. 3
and not otherwise defined are used herein as defined in the Credit Agreement. 
  
 Section 2. Amendments. Subject to the satisfaction of the conditions precedent specified in Section 4 below, but effective as of the date hereof, the Credit Agreement shall be amended as follows: 
  
 2.01. 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. Section 6.01 of the Credit Agreement is hereby
amended by (i) deleting the word “and” at the end of clause (l) thereof, (ii) changing clause “(m)” thereof to clause “(n)” and (iii) inserting a new clause (m), immediately following such clause (l), to read as
follows: 
  
 “(m) Indebtedness of First
Advantage Corp. (“FAC”) and its Subsidiaries in an aggregate principal amount not to exceed $125,000,000 at any one time outstanding (and any Guarantee of such Indebtedness by the Borrower), provided that (i) after giving
effect to the incurrence of such Indebtedness, all Funded Debt of FAC and its Subsidiaries (“FAC Total Debt”) at such time will not exceed 45% of the sum of (i) FAC Total Debt and (ii) the aggregate stockholders’ equity
(including minority interests in subsidiaries) for FAC and its Subsidiaries at such time and (ii) not more than $55,000,000 in aggregate principal amount of such Indebtedness (and interest corresponding to such guaranteed amount) may be guaranteed
by the Borrower; and”. 

 2.03. Section 6.02 of the Credit Agreement is hereby amended by (i) deleting the word “and” at
the end of clause (k) thereof, (ii) changing clause “(l)” thereof to clause “(m)” and (iii) inserting a new clause (l), immediately following such clause (k), to read as follows: 
  
 “(m) Liens upon any property or assets of First
Advantage Corp. and its Subsidiaries securing Indebtedness permitted under Section 6.01(m); and”. 
  
 Section 3. Representations and Warranties. The Borrower represents and warrants to the Lenders that (a) the representations and warranties set
forth in Section 3 of the Credit Agreement are true and complete on the date hereof as if made on and as of the date hereof and as if each reference in said Section 3 to “this Agreement” included reference to this Amendment No. 3 and (b)
immediately before and after giving effect to the amendment under Section 2 hereof, no Default has occurred and is continuing. 
  
 Section 4. Conditions Precedent to Effectiveness. The amendments to the Credit Agreement set forth in Section 2 hereof shall become effective, as
of the date hereof, upon receipt by the Administrative Agent of one or more counterparts of this Amendment No. 3 executed by the Borrower and the Required Lenders. 
  
 Section 5. Miscellaneous. Except as herein provided, the Credit Agreement shall remain unchanged and in full force
and effect. This Amendment No. 3 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 No. 3 by signing any such counterpart.
This Amendment No. 3 shall be governed by, and construed in accordance with, the law of the State of New York. 
  

 -2- 

 IN WITNESS WHEREOF, the parties hereto have caused this Amendment No. 3 to be duly executed and delivered
as of the day and year first above written. 
  

					
	THE FIRST AMERICAN CORPORATION
		
	By	 	/s/    THOMAS A. KLEMENS
	 	 	

	 	 	 Name:
	 	 Thomas A. Klemens

	 	 	 Title:
	 	 Senior Executive Vice President
 Chief Financial
Officer

  

 -3- 

			
	 JPMORGAN CHASE BANK
 individually and as Administrative Agent

		
	By	 	/s/    Lawrence Palumbo, Jr.
	 	 	

	 	 	 Name: Lawrence Palumbo, Jr.

	 	 	 Title: Vice President

  

			
	COMERICA BANK
		
	By	 	/s/    Fernando Loza
	 	 	

	 	 	 Name: Fernando Loza

	 	 	 Title: Assistant Vice President

  

			
	COMERICA BANK CALIFORNIA
		
	By	 	/s/    Fernando Loza
	 	 	

	 	 	 Name: Fernando Loza

	 	 	 Title: Assistant Vice President

  

			
	UNION BANK OF CALIFORNIA, N.A.
		
	By	 	/s/    Joseph M. Argabrite
	 	 	

	 	 	 Name: Joseph M. Argabrite

	 	 	 Title: Vice President

  

			
	BANK OF THE WEST ( F/K/A UNITED CALIFORNIA BANK)
		
	By	 	 
	 	 	

	 	 	 Name:

	 	 	 Title:

  

 -4- 

			
	BANK ONE ARIZONA, NA
		
	By	 	 
	 	 	

	 	 	 Name:

	 	 	 Title:

  

			
	BANK ONE, NA
		
	By	 	 
	 	 	

	 	 	 Name:

	 	 	 Title:

  

			
	WELLS FARGO BANK, N.A.
		
	By	 	 
	 	 	

	 	 	 Name:

	 	 	 Title:

  

			
	U.S. BANK NATIONAL ASSOCIATION
		
	By	 	/s/    DENETTE CORRALES
	 	 	

	 	 	 Name: Denette Corrales

	 	 	 Title: Vice President

  

			
	BANK OF AMERICA, N.A.
		
	By	 	/s/    JOAN L. D’AMICO
	 	 	

	 	 	 Name: Joan L. D’Amico

	 	 	 Title: Managing Director

  

			
	FLEET NATIONAL BANK
		
	By	 	/s/    AMY PEDEN
	 	 	

	 	 	 Name: Amy Peden

	 	 	 Title: Vice President

  

 -5- 

			
	SUMITOMO MITSUI BANKING CORPORATION
		
	By	 	 
	 	 	

	 	 	 Name:

	 	 	 Title:

  

			
	FIRST SECURITY BANK, N.A.
		
	By	 	 
	 	 	

	 	 	 Name:

	 	 	 Title:

  

			
	SUNTRUST BANK, CENTRAL FLORIDA, N.A.
		
	By	 	 
	 	 	

	 	 	 Name:

	 	 	 Title:

  

 -6-

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