Document:

EX-10.03

 Exhibit 10.03 

ORACLE CORPORATION 

AMENDED AND RESTATED 1993 DIRECTORS’ STOCK PLAN 

(as amended and adjusted for stock splits through April 29, 2016) 

1. Establishment and Purpose. 
  

	 	(a)	Establishment. There is hereby adopted the Amended and Restated 1993 Directors’ Stock Plan (the “Plan”) of Oracle Corporation, a Delaware corporation (the “Company”), which amends
and restates the 1993 Directors’ Stock Option Plan which was originally adopted May 24, 1993, and was amended and restated on October 13, 2003; October 9, 2006; July 14, 2008; July 13, 2009;
November 7, 2012, September 4, 2013 and April 29, 2016 (the “Amendment Date”). The Plan is intended to provide a means whereby eligible members of the Board of Directors of the Company may be given an opportunity to
acquire shares of Common Stock of the Company. 

  

	 	(b)	Purpose. The purpose of the Plan is to enable the Company to attract and retain the best available individuals for service as members of the Board of Directors of the Company, to provide additional incentive to
such individuals while serving as directors, and to encourage their continued service on the Board of Directors. 

 2. Definitions.

 As used herein, the following definitions shall apply: 
  

	 	(a)	“Award” shall mean any Option or other stock-based award granted hereunder. 

  

	 	(b)	“Board” shall mean the Board of Directors of the Company. 

  

	 	(c)	“Code” shall mean the Internal Revenue Code of 1986, as amended. 

  

	 	(d)	“Committee” shall mean the Committee or Committees referred to in Section 4 of the Plan. If at any time no Committee shall be in office or appointed by the Board to administer the Plan, then the
functions of the Committee specified in the Plan shall be exercised by the Board. 

  

	 	(e)	“Common Stock” shall mean the Common Stock, $.01 par value per share, of the Company. 

  

	 	(f)	“Company” shall mean Oracle Corporation, a Delaware corporation. 

  

	 	(g)	“Continuous Status as a Director” shall mean the absence of any interruption or termination of service as a Director. 

 

	 	(h)	“Director” shall mean a member of the Board. 

  

	 	(i)	“Employee” shall mean any person, including any officer or Director, who is an employee of the Company, or any Subsidiary of the Company, for purposes of tax withholding under the Code. The payment of a
director’s fee by the Company shall not be sufficient in and of itself to constitute “employment” by the Company. 

  

	 	(j)	“Exchange Act” shall mean the Securities Exchange Act of 1934, as amended. 

  

	 	(k)	“Fair Market Value” shall mean, as of any date, the value of Common Stock determined as follows, unless otherwise determined by the Committee: 

 

	 	(i)	the last reported sale price of the Common Stock of the Company on NYSE or, if no such reported sale takes place on any such day, the average of the closing bid and asked prices, or 

  
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	 	(ii)	if such Common Stock shall then be listed on another national securities exchange, the last reported sale price or, if no such reported sale takes place on any such day, the average of the closing bid and asked prices
on the principal national securities exchange on which the Common Stock is listed or admitted to trading, or 

  

	 	(iii)	if such Common Stock shall not be quoted on NYSE nor listed or admitted to trading on another national securities exchange, then the average of the closing bid and asked prices, as reported by The Wall Street Journal
for the over-the-counter market, or 

  

	 	(iv)	if none of the foregoing is applicable, then the Fair Market Value of a share of Common Stock shall be determined in good faith by the Committee in its discretion. 

 

	 	(l)	“Full-Value Award” shall mean any Award other than an Option. 

  

	 	(m)	“Option” shall mean an option to purchase shares of Common Stock granted pursuant to the Plan. All Options granted hereunder are not intended to qualify as incentive stock options under Section 422
of the Code. 

  

	 	(n)	“Optioned Stock” shall mean the Common Stock subject to an Option. 

  

	 	(o)	“Optionee” shall mean an Outside Director who receives an Option. 

  

	 	(p)	“Outside Director” shall mean a Director who is not an Employee. 

  

	 	(q)	“Participant” shall mean an Outside Director who receives an Award hereunder. 

  

	 	(r)	“Securities Act” shall mean the Securities Act of 1933, as amended. 

  

	 	(s)	“Share” shall mean a share of the Common Stock, as adjusted in accordance with Section 12 of the Plan. 

  

	 	(t)	“Subsidiary” shall mean a “subsidiary corporation”, whether now or hereafter existing, as defined in Section 424(f) of the Code. 

3. Shares Subject to the Plan. Subject to the provisions of Section 12 of the Plan, the maximum number of Shares which may be issued under the
Plan after July 14, 2003 (including pursuant to the exercise of Options outstanding as of such date) is 2,587,830 shares of Common Stock, of which not more than an aggregate of 1,800,000 Shares shall be available for Full-Value Awards. If an
Award granted hereunder expires, terminates, becomes unexercisable or is forfeited for any reason, the underlying Shares shall become available for future grant under the Plan. 

4. Administration of the Plan. 
  

	 	(a)	Administrator. The Plan shall be administered by the Board or by the Committee appointed by the Board, which shall consist of two or more members of the Board. 

 

	 	(b)	Powers of the Committee. Subject to the provisions and restrictions of the Plan, the Committee shall have the authority, in its discretion, to: (i) determine the Fair Market Value of the Common Stock;
(ii) determine the exercise price per Share; (iii) interpret the Plan; (iv) subject to Section 13, amend the Plan or any Award; (v) authorize any person to execute on behalf of the Company any agreements or other documents
in connection with the grant of an Award under the Plan; (vi) approve forms of agreement for use under the Plan; and (vii) make all other determinations deemed necessary or advisable for the administration of the Plan. 

 

	 	(c)	Effects of Committee’s Decision. All decisions, determinations and interpretations of the Committee shall be final and binding on all holders of any Awards granted under the Plan. 

  
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 5. Equity Grants. 
  

	 	(a)	Automatic Grants. All grants of Awards hereunder shall be automatic and nondiscretionary and shall be made in accordance with the provisions of this Section 5, as may be amended by the Board or the Committee
from time to time. The Committee shall determine the automatic grants of Awards to be made hereunder, in all cases subject to the limitations set forth in Sections 5(b) and (c). 

 

	 	(b)	Stockholder Approved Limitations on Initial Grants. In no event will Awards granted as initial grants to any individual who becomes an Outside Director exceed a pro rata amount of 45,000 shares of Optioned Stock
(or, with respect to Full-Value Awards, an equivalent value determined by the Board pursuant to Section 5(d)), with such pro-ration based on the number of complete calendar months remaining in the Company’s fiscal year that such individual
became a non-employee director, which limit was previously approved by the Company’s stockholders. 

  

	 	(c)	Stockholder Approved Limitations on Annual Grants In no event will Awards granted as annual grants to any Outside Director exceed the following limits (denominated in number of shares of Optioned Stock or, with
respect to Full-Value Awards, an equivalent value determined by the Board pursuant to Section 5(d)), which were previously approved by the Company’s stockholders: 

 

	 	(i)	for each Outside Director, an Option to purchase 45,000 shares. 

  

	 	(ii)	for the Chairperson of the Finance and Audit Committee, an Option to purchase 45,000 shares, provided that on such grant date the Outside Director has served as Chairperson on the Finance and Audit Committee for at
least one year; provided further that if such Outside Director has served as Chairperson on the Finance and Audit Committee for less than one year from such grant date, the foregoing limit shall be a pro rata amount of 45,000 shares based on the
number of complete calendar months that such Outside Director served as Chairperson on the Finance and Audit Committee during the one year prior to such grant date. This grant shall be in addition to the options permitted under any other provision
of Section 5(c) hereof. 

  

	 	(iii)	for the Chairperson of the Compensation Committee, an Option to purchase 45,000 shares, provided that on such date the Outside Director has served as Chairperson on the Compensation Committee for at least one year;
provided further that if such Outside Director has served as Chairperson on the Compensation Committee for less than one year from such grant date, the foregoing limit shall be a pro rata amount of 45,000 shares based on the number of complete
calendar months that such Outside Director served as Chairperson on the Compensation Committee during the one year prior to such grant date. This grant shall be in addition to the options permitted under any other provision of Section 5(c)
hereof. 

  

	 	(iv)	for the Chairperson of the Nomination and Governance Committee, an Option to purchase 15,000 shares, provided that on such date the Outside Director has served as Chairperson on the Nomination and Governance Committee
for at least one year; provided further that if such Outside Director has served as Chairperson on the Nomination and Governance Committee for less than one year from such grant date, the foregoing limit shall be a pro rata amount of 15,000 shares
based on the number of complete calendar months that such Outside Director served as Chairperson on the Nomination and Governance Committee during the one year prior to such grant date. This grant shall be in addition to the options permitted under
any other provision of Section 5(c) hereof. 

  

	 	(v)	 for the Vice Chairperson of the Finance and Audit Committee. an Option to purchase 30,000 shares, provided that
on such date the Outside Director has served as Vice Chairperson on the Finance and Audit Committee for at least one year; provided further that if such Outside Director has served as Vice Chairperson on the Finance and Audit Committee for less than
one year from such grant date, the foregoing limit shall be a pro rata amount of 30,000 shares based on the number of complete 

  
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calendar months that such Outside Director served as Vice Chairperson on the Finance and Audit Committee during the one year prior to such grant date. This grant shall be in addition to the
options permitted under any other provision of Section 5(c) hereof. 

  

	 	(vi)	for the Chairperson of the Committee on Independence Issues. an Option to purchase 15,000 shares, provided that on such date the Outside Director has served as Chairperson on the Committee on Independence Issues for at
least one year; provided further that if such Outside Director has served as Chairperson on the Committee on Independence Issues for less than one year from such grant date, the foregoing limit shall be a pro rata amount of 15,000 shares based on
the number of complete calendar months that such Outside Director served as Chairperson on the Committee on Independence Issues during the one year prior to such grant date. This grant shall be in addition to the options permitted under any other
provision of Section 5(c) hereof. 

  

	 	(d)	Other Stock Awards. The Board shall have the discretion to grant awards of restricted stock, restricted stock units, deferred shares or other stock-based awards in lieu of the automatic Option grants (in whole or
in part) pursuant to paragraphs (b) and (c) above. The number of Shares subject to any such stock award granted pursuant to the foregoing sentence shall have an equivalent value, as determined on any reasonable basis by the Board, to the
number of Options that would have been granted. Any such stock award shall be subject to similar terms as would apply to options granted under paragraphs (b) and (c) with respect to vesting or forfeiture schedules, treatment on termination
of status as director, and transfer restrictions. Subject to the foregoing limitations and provisions of the Plan, the terms and conditions of any such stock awards shall be set forth in the applicable award agreement as determined by the Board.

  

	 	(e)	Additional Limitations. 

  

	 	(i)	Notwithstanding the provisions hereof, in the event that a sufficient number of Shares is not available under the Plan for the grant of Awards, the remaining Shares shall be prorated based upon the number of Shares each
Director was entitled to receive under this Plan. Any further grants shall then be deferred until such time, if any, as additional Shares become available for grant under the Plan. Subject to the terms of Section 13 hereof, the Board shall have
the authority at any time to make additional Shares available for grant under the Plan, subject to obtaining stockholder approval of such increase to the extent required under Section 13(a) hereof. 

 

	 	(ii)	Notwithstanding the provisions hereof, any grant made before the Company has obtained stockholder approval of the Plan, and any grant made after amendment of the Plan where such amendment of the Plan requires
stockholder approval under Section 13(a) hereof, shall be conditioned upon obtaining such stockholder approval. 

 6. Terms and
Conditions of Awards. 
  

	 	(a)	Award Agreement. Each Option granted pursuant to this Plan shall be evidenced by an award agreement (“Award Agreement”) containing such terms and conditions that are consistent with this Plan and as
otherwise determined by the Committee. 

  

	 	(b)	Exercise Price. With respect to any Options granted hereunder, the exercise price per share shall be 100% of the Fair Market Value per Share on the date of grant of the Option, subject to adjustment to the extent
provided in Section 12 hereof. 

  

	 	(c)	Vesting. Unless otherwise determined by the Committee, the Shares shall vest and become exercisable at the rate of twenty-five percent (25%) of the Shares subject to the Award on each anniversary of the date
of grant. 

  

	 	(d)	Term. The term of each Option shall be ten (10) years from the date of grant, unless (i) a shorter period is required to comply with any applicable law, in which case such shorter period will apply or
(ii) the Committee determines that a term of less than ten years shall apply. 

  
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 7. Eligibility. Awards hereunder may be granted only to Outside Directors. The Plan shall not confer upon
any Outside Director any right with respect to continuation of service as a Director or nomination to serve as a Director, nor shall it interfere in any way with any rights which the Director or the Company may have to terminate his or her
directorship at any time. 
 8. Payment Upon Exercise. Payment of the exercise price of any Award shall be made (i) by cash or check;
(ii) to the extent not prohibited by the Board or by applicable law, and provided that a public market for the Company’s stock exists, through a “same day sale” commitment from the Participant and a broker-dealer that is a member
of the National Association of Securities Dealers (an “NASD Dealer”) whereby Participant irrevocably elects to exercise the Award and to sell a portion of the Shares so purchased to pay for the exercise price and whereby the NASD Dealer
irrevocably commits upon receipt of such Shares to forward the exercise price directly to the Company; or (iii) as otherwise determined by the Board and as permitted by applicable law or regulation. 

9. Withholding Taxes. Whenever, under the Plan, Shares are to be issued pursuant to any Award granted hereunder, the Company shall have the right to
require the recipient to remit to the Company an amount of cash sufficient to satisfy any applicable federal, state or local income and employment tax withholding requirements prior to the delivery of any certificate or certificates for such Shares.

 10. Exercise of Options. 
  

	 	(a)	Procedure for Exercise. An Option shall be deemed to be exercised when written notice of such exercise has been given to the Company in accordance with the terms of the Option Agreement by the person entitled to
exercise the Option and full payment for the Shares has been received by the Company in accordance with Section 8 hereof. An Option may not be exercised for a fraction of a Share. 

 

	 	(b)	Rights as a Stockholder. Notwithstanding the exercise of the Option, until the issuance (as evidenced by the appropriate entry on the books of a duly authorized transfer agent of the Company) of the stock
certificate evidencing such Shares, no right to vote or receive dividends or any other rights as a stockholder shall exist with respect to the Optioned Stock. A stock certificate for the number of Shares so acquired shall be issued to the Optionee
as soon as practicable after exercise of the Option. No adjustment will be made for a dividend or other right if the record date is prior to the date the stock certificate is issued. 

 

	 	(c)	Termination of Status as Director. Except as set forth in Section 10(d) or (e), if an Outside Director ceases to serve as a Director, he or she may, but only within three (3) months (or such other
period of time not exceeding six (6) months as is determined by the Board) after the date he or she ceases to be a Director of the Company, exercise his or her Option to the extent that he or she was entitled to exercise it at the date of such
termination. Notwithstanding the foregoing, in no event may the Option be exercised after its term set forth in Section 6 has expired. To the extent that such Outside Director was not entitled to exercise an Option at the date of termination,
or if such Outside Director does not exercise such Option (which he or she was entitled to exercise) within the time specified, the Option shall terminate. 

  

	 	(d)	Disability of Director. Notwithstanding the provisions of Section 10(c) above, in the event an Outside Director is unable to continue his or her service as a Director with the Company as a result of his or
her total and permanent disability (as defined in Section 22(e)(3) of the Code), he or she may, within six months from the date of such termination, exercise his or her Option to the extent he or she was entitled to exercise it at the date of
such termination. Notwithstanding the foregoing, in no event may the Option be exercised after the expiration of the term set forth in Section 6. To the extent that Optionee was not entitled to exercise the Option at the date of termination, or
if Optionee does not exercise such Option (which he or she was entitled to exercise) within the time specified herein, the Option shall terminate. 

  

	 	(e)	Death of Optionee. In the event of the death of an Outside Director: 

  

	 	(i)	 If the Outside Director dies during the term of the Option, is a Director at the time of his or her death and has
been in Continuous Status as a Director since the date of grant of the Option, the Option may be exercised at any time within six (6) months following the date of death by the 

  
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Outside Director’s estate or by a person who acquired the right to exercise the Option by bequest or inheritance, but only to the extent the Outside Director was entitled to exercise the
Option at the date of termination. Notwithstanding the foregoing, in no event may the Option be exercised after the expiration of the term set forth in Section 6. 

 

	 	(ii)	If the Outside Director dies within three (3) months after the termination of Continuous Status as a Director, the Option may be exercised at any time within six (6) months following the date of death by the
Optionee’s estate or by a person who acquired the right to exercise the Option by bequest or inheritance, but only to the extent the Outside Director was entitled to exercise the Option at the date of termination. Notwithstanding the foregoing,
in no event may the Option be exercised after the expiration of the term set forth in Section 6. 

 11. Nontransferability of
Awards. Awards granted under this Plan, and any interest therein, shall not be transferable or assignable by the Participant, and may not be made subject to execution, attachment or similar process, otherwise than by will or by the laws of
descent and distribution, and shall be exercisable during the lifetime of the Participant only by the Participant; provided, however; that Awards held by a Participant may be transferred to such family members, trusts and charitable institutions as
the Committee, in its sole discretion, shall approve, unless otherwise restricted from such transfer under the terms of the Award. The designation of a beneficiary by a Participant does not constitute a transfer. 

12. Adjustment Upon Changes in Capitalization. 
  

	 	(a)	Adjustment of Shares. In the event that the number of outstanding shares of Common Stock of the Company is changed by a stock dividend, stock split, reverse stock split, combination, reclassification or similar
change in the capital structure of the Company without consideration, the number of Shares available under this Plan, the number of Shares deliverable in connection with any Award and, if applicable, the exercise price per Share thereof shall be
proportionately adjusted, subject to any required action by the Board or stockholders of the Company and compliance with applicable securities laws; provided however, that no certificate or scrip representing fractional shares shall be issued and
any resulting fractions of a share shall be ignored. 

  

	 	(b)	Change of Control. In the event of a dissolution or liquidation of the Company, a merger in which the Company is not the surviving corporation (other than a merger with a wholly owned subsidiary or where there is
no substantial change in the stockholders of the Company and the obligations of the Company under this Plan are assumed by the successor corporation), the sale of substantially all of the assets of the Company, or any other transaction described
under Section 424(a) of the Code wherein the stockholders of the Company give up all of their equity interest in the Company (except for the acquisition of all or substantially all of the outstanding shares of the Company), all outstanding
Awards, notwithstanding any contrary terms of the Plan, shall accelerate and become vested and exercisable in full prior to and shall expire on the consummation of such dissolution, liquidation, merger or sale of assets. 

 

	 	(c)	Acceleration Upon Unfriendly Takeover. Notwithstanding anything in Section 12(b) hereof to the contrary, if fifty percent (50%) or more of the outstanding voting securities of the Company become
beneficially owned (as defined in Rule 13d-3 promulgated by the Securities and Exchange Commission) by a person (as defined in Section 2(2) of the Securities Act and in Section 13(d)(3) of the Exchange Act) in a transaction or series of
transactions expressly disapproved by the Board, then all outstanding Awards under this Plan shall become immediately vested and exercisable with no further act or action required by the Committee. 

13. Amendment and Termination of the Plan. 
  

	 	(a)	 Amendment. The Board or the Committee may amend the Plan from time to time in such respects as the

  
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Board or the Committee, as the case may be, may deem advisable; provided that, to the extent necessary to comply with any applicable law or regulation, the Company shall obtain approval of the
Company’s stockholders to amend the Plan to the extent and in the manner required by such law or regulation. 

  

	 	(b)	Termination or Suspension. Unless sooner terminated pursuant to this Section 13, the Plan shall terminate on the date that all shares of Common Stock reserved for issuance under the Plan have been issued.
The Committee, without further approval of the stockholders, may at any time terminate or suspend the Plan. Except as otherwise provided herein, any such termination or suspension of the Plan shall not affect Awards already granted hereunder and
such Awards shall remain in full force and effect as if the Plan had not been terminated or suspended. 

  

	 	(c)	Outstanding Awards. Except as otherwise provided herein, rights and obligations under any outstanding Award shall not be altered or impaired by amendment, suspension or termination of the Plan, except with the
consent of the person to whom the Award was granted. The Committee shall have the authority to modify, extend or renew outstanding Awards and to authorize the grant of new Awards in substitution therefor; provided that the Committee shall
not, without the approval of the Company’s stockholders, directly or indirectly reduce the exercise price of any outstanding Award. 

14. Conditions Upon Issuance of Shares. Shares shall not be issued pursuant to any Award hereunder unless the issuance and delivery of such Shares
shall comply with all relevant provisions of law, including, without limitation, the Securities Act, the Exchange Act, the rules and regulations promulgated thereunder, state securities laws, and the requirements of any stock exchange upon which the
Shares may then be listed, and shall be further subject to the approval of counsel for the Company with respect to such compliance. 
 As a condition to the
issuance of Shares pursuant to any Award, the Company may require the Participant to represent and warrant that the Shares are being acquired only for investment and without any present intention to sell or distribute such Shares, if, in the opinion
of counsel for the Company, such a representation is required by any of the relevant provisions of the law. 
 Inability of the Company to obtain authority
from any regulatory body having jurisdictional authority deemed by the Company’s counsel to be necessary for the lawful issuance and sale of any Shares hereunder shall relieve the Company of any liability for failure to issue or sell such
Shares. 
 15. Reservation of Shares. The Company, during the term of this Plan, will at all times reserve and keep available such number of Shares
as shall be sufficient to satisfy the requirements of the Plan. 
 16. Rule 16b-3. The grant of Awards hereunder to persons subject to
Section 16 of the Exchange Act shall comply with the applicable provisions of Rule 16b-3. The Company intends this Plan to be a “formula plan” under Rule 16b-3 with respect to Awards granted hereunder. 

  
 7Exhibit

Exhibit 10.1

Execution Version

AMENDMENT NO. 2 TO CREDIT AGREEMENT 

This AMENDMENT NO. 2 TO CREDIT AGREEMENT (this “Amendment”), dated as of June 17 , 2016, is entered into by and among EBIX, INC., a Delaware corporation (the “Borrower”), certain subsidiaries of the Borrower party hereto as guarantors (the “Guarantors” and collectively with the Borrower, the “Credit Parties”) under the Credit Agreement (defined below), each Lender (as defined below) that is a party hereto and REGIONS BANK, as administrative agent (in such capacity, the “Administrative Agent”) and collateral agent.

RECITALS
WHEREAS, the Borrower, the Administrative Agent and certain banks and other financial institutions (the “Existing Lenders”) are parties to that certain Credit Agreement, dated as of August 5, 2014 (as amended hereby, as amended by that certain Amendment No. 1 to Credit Agreement and Waiver dated as of February 3, 2015, and as further amended, restated, extended, supplemented or otherwise modified from time to time, the “Credit Agreement” and the Credit Agreement prior to giving effect to this Amendment being referred to as the “Existing Credit Agreement”), pursuant to which the Existing Lenders have extended a revolving credit facility to the Borrower; 
WHEREAS, the Borrower has requested that the Lenders agree to amend certain provisions of the Existing Credit Agreement, as more particularly set forth below, and the Lenders are willing to effect such amendments, as provided in, and on the terms and conditions contained in, this Amendment;

WHEREAS, the Borrower has also requested the provision of the Term Loan A (as defined in the Credit Agreement) in an aggregate amount of $125,000,000, and the banks, financial institutions and other lenders providing the Term Loan A (the “Term Lenders”) are willing to effect such Term Loan A as provided in, and on the terms and conditions contained in, this Amendment and in the Credit Agreement;

WHEREAS, the Borrower has also requested an increase in the Aggregate Revolving Commitments in the aggregate principal amount of $35,000,000 (the “Revolving Commitment Increase”), to occur concurrently with the incurrence of the Term Loan A, after giving effect to which the Aggregate Revolving Commitments on the Second Amendment Effective Date (as defined below) shall equal $275,000,000, and the banks, financial institutions and other lenders (which may include some Existing Lenders) providing such Revolving Commitment Increase (the “Increasing Revolving Lenders” and together with the Existing Lenders and the Term Lenders, the “Lenders”) are willing to effect such Revolving Commitment Increase as provided in, and on the terms and conditions contained in, this Amendment;

NOW, THEREFORE, for valuable consideration, the receipt and adequacy of which are hereby acknowledged, the parties hereto hereby agree as follows:
1.Defined Terms.  Unless otherwise defined herein, capitalized terms used herein shall have the meanings, if any, assigned to such terms in the Credit Agreement, as amended by this Amendment.  
2.Amendments to Credit Agreement.  Subject to the terms and conditions hereof and in accordance with Section 11.4 of the Existing Credit Agreement:
(a)The Existing Credit Agreement (other than the Appendices, Schedules and Exhibits thereto) is hereby amended in its entirety to read in the form of Annex I attached hereto (which such amended Credit Agreement shall include the Term Loan A Commitments and the Revolving Commitment Increase provided in this Amendment).
(b)Appendix A to the Existing Credit Agreement is hereby amended by replacing such appendix with Appendix A attached as Annex II hereto.

Exhibit 10.1

(c)Schedule 6.2 to the Existing Credit Agreement is hereby amended by replacing such schedule with Schedule 6.2 attached as Annex III hereto.
(d)Schedule 6.10(b) to the Existing Credit Agreement is hereby amended by replacing such schedule with Schedule 6.10(b) attached as Annex IV hereto.
(e)Schedule 6.15 to the Existing Credit Agreement is hereby amended by replacing such schedule with Schedule 6.15 attached as Annex V hereto.
(f)Schedule 6.20 to the Existing Credit Agreement is hereby amended by replacing such schedule with Schedule 6.20 attached as Annex VI hereto.
(g)Schedule 8.1 to the Existing Credit Agreement is hereby amended by replacing such schedule with Schedule 8.1 attached as Annex VII hereto.
(h)Schedule 8.2 to the Existing Credit Agreement is hereby amended by replacing such schedule with Schedule 8.2 attached as Annex VIII hereto.
(i)Schedule 8.4 to the Existing Credit Agreement is hereby amended by replacing such schedule with Schedule 8.4 attached as Annex IX hereto.
(j)Schedule 8.5 to the Existing Credit Agreement is hereby amended by replacing such schedule with Schedule 8.5 attached as Annex X hereto.
(k)Exhibit 2.1 to the Existing Credit Agreement is hereby amended by replacing such exhibit with Exhibit 2.1 attached as Annex XI hereto.
(l)A new Exhibit 2.5-3 (Form of Term Loan A Note) is hereby added to the Existing Credit Agreement in the form attached as Annex XII hereto.
(m)Exhibit 2.8 to the Existing Credit Agreement is hereby amended by replacing such exhibit with Exhibit 2.8 attached as Annex XIII hereto.
(n)Exhibit 7.1(c) to the Existing Credit Agreement is hereby amended by replacing such exhibit with Exhibit 7.1(c) attached as Annex XIV hereto.
(o)Exhibit 11.5 to the Existing Credit Agreement is hereby amended by replacing such exhibit with Exhibit 11.5 attached as Annex XV hereto.
The parties hereto agree and understand that the amendments to the Existing Credit Agreement provided by this Section 2 shall be deemed effective once all of the conditions in Section 7 of this Amendment have been satisfied (such date, the “Second Amendment Effective Date”).

3.Term Loan A and Revolving Commitment Increase.  
(a)Upon the Second Amendment Effective Date (i) the Term Loan A Commitment referenced in the amended Credit Agreement set forth as Annex I hereto shall be provided by the Term Lenders in the aggregate amount set forth on Appendix A attached as Annex II hereto, and (ii) the Revolving Commitments (after giving effect to the Revolving Commitment Increase) and the Term Loan A Commitments of each Lender shall be the amount set forth opposite such Lender’s name on such Appendix A attached as Annex II hereto.  In connection with the Revolving Commitment Increase, the Administrative Agent may make such adjustments between and among the Existing Lenders and any new Increasing Revolving Lenders as are reasonably necessary to effectuate such Revolving Commitment Increase and the related adjustments to the existing Revolving Loans after giving effect thereto, so that the Revolving Commitments of each Lender are as set forth on the revised Appendix A attached as Annex II hereto as of the Second Amendment Effective Date.  
(b)Each Lender agrees that (i) the Term Loan A Commitments provided by this Amendment and set forth in the Credit Agreement, and the Revolving Commitment Increase provided by this Amendment and as set forth in the Credit Agreement shall each be effective upon the Second Amendment Effective Date, simultaneously with the effectiveness of the amendments set forth in Section 2 above, (ii) the conditions to effectiveness of the Term Loan A Commitments, the Revolving Commitment Increase and the amendments set forth in Section 2 above are limited to the conditions set forth in Section 7 of this Amendment and (iii) neither the Term Loan A Commitments nor the Revolving Commitment Increase, each as provided herein, constitutes an incurrence of additional Term Loans or an increase in the Revolving Commitments under the Existing Credit Agreement or the amended Credit Agreement.

(c)To the extent not otherwise a Lender prior to the date of this Amendment, both the Term Lenders and the Increasing Revolving Lenders (collectively, the “Joining Lenders”) are parties to this 

Exhibit 10.1

Amendment for the purposes of agreeing to the Credit Agreement, becoming party thereto and becoming bound by the provisions thereof in the capacity of a Lender and providing their portion of the Term Loan A and/or Revolving Loans.

4.Joinder of Joining Lenders.  By its execution of this Amendment, each Joining Lender hereby confirms and agrees that, on and after the Second Amendment Effective Date, it shall be a party to the Credit Agreement as a Lender, shall have all of the rights and be obligated to perform all of the obligations of a Lender thereunder and its Term Loan A Commitments and/or Revolving Commitments shall be as set forth on the revised Appendix A attached as Annex II hereto.  Each Joining Lender severally, and not jointly, further (a) represents and warrants that (i) it has full power and authority, and has taken all action necessary, to execute and deliver this Amendment and to consummate the transactions contemplated hereby and to become a Lender under the Credit Agreement, (ii) it meets all requirements of an Eligible Assignee under the Credit Agreement (subject to receipt of such consents as may be required under the Credit Agreement, which such consents shall be deemed provided, to the extent required, by each Person that executes this Amendment), (iii) from and after the Second Amendment Effective Date, it shall be bound by the provisions of the Credit Agreement as a Lender thereunder and shall have the obligations of a Lender thereunder, and (iv) it has received a copy of the Credit Agreement, together with copies of the most recent financial statements delivered pursuant to Section 7.1 thereof, as applicable, and such other documents and information as it has deemed appropriate to make its own credit analysis and decision to enter into the Credit Agreement on the basis of which it has made such analysis and decision independently and without reliance on the Administrative Agent, any other Lender, agent or arranger; and (b) agrees that (i) it will, independently and without reliance on the Administrative Agent, or any other Lender, and based on such documents and information as it shall deem appropriate at the time, continue to make its own credit decisions in taking or not taking action under the Credit Documents, and (ii) it will perform in accordance with their terms all of the obligations that by the terms of the Credit Documents are required to be performed by it as a Lender.
5.Representations and Warranties.  The Borrower and each of the other Credit Parties, by its execution of this Amendment, hereby represents and warrants to the Administrative Agent and the Lenders as follows:
(a)the execution, delivery and performance by each Credit Party of this Amendment have been duly authorized by all necessary corporate or other organizational action and do not and will not (i) violate in any material respect the terms of any of the Credit Parties’ Organizational Documents; (ii) except as could not reasonably be expected to have a Material Adverse Effect, conflict with, result in a breach of or constitute (with due notice or lapse of time or both) a default under any other Contractual Obligations of any Credit Party, (iii) result in or require the creation of any Lien upon any of the properties or assets of any Credit Party (other than Liens created under any of the Credit Documents in favor of the Collateral Agent for the benefit of the holders of the Obligations), or (iv) require any approval of stockholders, members or partners or any approval or consent of any Person under any material Contractual Obligation of any Credit Party;
(b)this Amendment has been duly executed and delivered by each Credit Party, and constitutes a legal, valid and binding obligation of each Credit Party, enforceable against such Credit Party in accordance with its terms, except as may be limited by Debtor Relief Laws or by equitable principles relating to enforceability;
(c)the representations and warranties of each Credit Party contained in Section 6 of the Credit Agreement and in each other Credit Document are true and correct in all material respects on and as of the Second Amendment Effective Date, except to the extent that such representations and warranties specifically relate to an earlier date, in which case they shall be true and correct in all material respects as of such earlier date, and except that for purposes of this clause (c), the representations and warranties contained in Sections 6.7(a) and (b) of the Credit Agreement shall be deemed to refer to the most recent statements furnished pursuant to Sections 7.1(b) and (a) of the Credit Agreement, respectively; and
(d)after the effectiveness of this Amendment on the Second Amendment Effective Date, the borrowing of the Term Loan A and the increase of the Aggregate Revolving Commitments set forth herein, no Default has occurred and is continuing.
6.Reallocation, Assignments and Payments.  Simultaneously with the Second Amendment Effective Date, the parties hereby agree that (a) the Revolving Commitments shall be as set forth on the revised Appendix A attached hereto as Annex II, (b) each Lender having a Revolving Commitment immediately prior to the increase provided herein will automatically and without further act be deemed to have assigned to each Lender increasing its 

Exhibit 10.1

Revolving Commitment or adding a Revolving Commitment in respect of such increase, and each such increasing Lender will automatically and without further act be deemed to have assumed, a portion of such Lender’s participations under the Credit Agreement in outstanding Letters of Credit and Swingline Loans such that, after giving effect to each such deemed assignment and assumption of participations, the percentage of the aggregate outstanding (i) participations under the Credit Agreement in Letters of Credit and (ii) participations under the Credit Agreement in Swingline Loans, will, in each case, equal each Lender’s Revolving Commitment Percentage (after giving effect to such increase) and (c) if, on the Second Amendment Effective Date there are any Revolving Loans outstanding, the Lenders (including the Joining Lender) shall make such payments among themselves as the Administrative Agent may reasonably request to the extent necessary to keep the outstanding Revolving Loans ratable with the revised Revolving Commitment Percentages arising from such increase, and the Borrower shall pay to the applicable Lenders any amounts required to be paid pursuant to Section 3.1(c) of the Credit Agreement in connection with such payments among the Lenders as if such payments were effected by prepayments of Revolving Loans.
7.Effectiveness; Conditions Precedent.  The effectiveness of this Amendment and the amendments to the Credit Agreement herein provided are subject to the satisfaction of the following conditions precedent:
(a)the Administrative Agent shall have received each of the following documents or instruments in form and substance reasonably acceptable to the Administrative Agent: 
(i)counterparts of this Amendment, duly executed by each Credit Party, the Administrative Agent, and each Lender;
(ii)to the extent requested, the Administrative Agent shall have received (A) Revolving Loan Notes, if any, executed by the Borrower in favor of each Lender with a Revolving Commitment requesting such Revolving Loan Notes, whether in replacement of existing Revolving Loan Notes or otherwise, and (B) Term Loan A Notes, if any, executed by the Borrower in favor of each Term Lender requesting such Term Loan A Notes; provided that any failure to request such a Revolving Loan Note or Term Loan A Note in connection with the Second Amendment Effective Date shall not limit the ability of any Lender to request a Note from time to time pursuant to the Credit Agreement;
(iii)(A) copies of the Organizational Documents, certified (to the extent applicable) as of a recent date by the appropriate Governmental Authority, (B) copies of resolutions approving the transactions contemplated in connection with this Amendment, the Credit Agreement and the related financing and authorizing execution, delivery and performance of this Amendment, (C) copies of certificates of good standing, existence or the like of a recent date from the appropriate Governmental Authority of its jurisdiction of formation or organization and (D) incumbency certificates, in each case, for each of the Credit Parties and certified by an Authorized Officer of the Borrower in form and substance reasonably satisfactory to the Administrative Agent; and
(iv)one or more certificates from an Authorized Officer of the Borrower (in the case of (F) below, from the Chief Financial Officer of the Borrower), in form and substance reasonably satisfactory to the Administrative Agent, confirming, among other things, (A) all consents, approvals, authorizations, registrations, or filings required to be made or obtained by the Borrower and the other Credit Parties, if any, in connection with this Amendment and the other Credit Documents and the transactions contemplated herein and therein have been obtained and are in full force and effect (and attaching copies of any such items), (B) no investigation or inquiry by any Governmental Authority regarding this Amendment and the other Credit Documents and the transactions contemplated herein and therein is ongoing, (C) the absence of any action, suit, investigation or proceeding pending or, to the knowledge of the Borrower, threatened in any court or before any arbitrator or Governmental Authority that could reasonably be expected to have a Material Adverse Effect, (D) since December 31, 2015, there has been no event or circumstance which has had or could be reasonably expected to have a Material Adverse Effect, (E) the audited financial statements for the Fiscal Year ended December 31, 2015 were prepared in accordance with GAAP consistently applied, except as noted therein, and fairly present in all material respects the financial condition and results from operations of the Borrower and its Subsidiaries, (F) the Borrower and its Subsidiaries, taken as a whole on a consolidated basis, are Solvent after giving effect to the transactions contemplated hereby and the incurrence of Indebtedness related thereto, and (G) after giving effect to this Amendment and the advancing of the Credit Extensions to occur on the Second Amendment Effective Date, the Borrower shall be in compliance, determined on a pro forma basis (as provided in Section 1.3 of the Credit Agreement), with the financial covenants set 

Exhibit 10.1

forth in Section 8.7 of the Credit Agreement and shall have provided the Administrative Agent with calculations demonstrating such compliance. 
(b)each of the representations and warranties set forth in Section 5 above is true and correct in all material respects (or, with respect to any such representation or warranty modified by a materiality or Material Adverse Effect standard, in all respects (taking into account such materiality or Material Adverse Effect standard)); 
(c)the Administrative Agent shall have received (i) a duly executed and completed Funding Notice with respect to the Credit Extension to occur on the Second Amendment Effective Date and (ii) duly executed and completed disbursement instructions (with wiring instructions and account information) for all disbursements to be made on the Second Amendment Effective Date;
(d)the Administrative Agent shall have received customary opinions of counsel for each of the Credit Parties, including, among other things, opinions regarding the due authorization, execution and delivery of this Amendment and the enforceability thereof and the Credit Documents as so amended;
(e)the Administrative Agent shall have received, and be satisfied with its review of, copies of (i) the internally prepared financial statements of the Borrower and its Subsidiaries on a consolidated basis for the most recently ended Fiscal Quarter ended at least forty-five days prior to the Second Amendment Effective Date, if any, and (ii) the audited financial statements of the Borrower and its Subsidiaries on a consolidated basis for the Fiscal Year ended December 31, 2015;
(f)all filings, recordations and searches necessary or desirable in connection with the Liens and security interests described in the Collateral Documents shall have been duly made (or maintained), and all filing and recording fees and taxes shall have been duly paid, and the Administrative Agent shall have received satisfactory evidence that the Administrative Agent (on behalf of the Lenders) shall have (or continue to have) a valid and perfected first priority (subject to Permitted Liens) Lien and security interest in the Collateral;
(g)the Administrative Agent shall have received a down date endorsement from First American Title Insurance Company for the Mortgage with respect to the real property commonly known as 6375 Hospital Parkway, Johns Creek, Georgia 30097, in form and substance reasonably satisfactory to the Administrative Agent; 
(h)the Borrower and the Guarantors shall have used commercially reasonable efforts to obtain (or to amend or amend and restate, if necessary) any landlord waivers and access letters requested by the Administrative Agent with respect to material leased real property interests of the Borrower or any Guarantor (or the parties shall have made mutually satisfactory post-closing arrangements therefor);
(i)the Collateral Agent shall be satisfied with the amount, types and terms and conditions of all insurance maintained by the Borrower and its Subsidiaries; and the Collateral Agent shall have received endorsements naming the Collateral Agent, on behalf of the Lenders and the other secured parties, as an additional insured or loss payee, as the case may be, under all insurance policies to be maintained with respect to the Collateral;  
(j)the Lenders shall have received, in form and substance reasonably satisfactory to the Lenders, documentation and other information that is required by regulatory authorities under applicable “know your customer” and anti-money-laundering rules and regulations, including the PATRIOT Act, requested not later than five days prior to the Second Amendment Effective Date;
(k)after giving effect to this Amendment (and giving effect to any Credit Extension to occur substantially simultaneously with such effectiveness and the increase in the Aggregate Revolving Commitments), as of the Second Amendment Effective Date, no Default or Event of Default shall have occurred and be continuing; and
(l)the Administrative Agent shall have confirmation that all fees payable under this Amendment, under the Credit Agreement and under the Fee Letter and all reasonable out-of-pocket fees and expenses required to be paid on or before the Second Amendment Effective Date have been paid, including the reasonable out-of-pocket fees and expenses of counsel for the Administrative Agent to the extent invoiced prior to the date hereof (without prejudice to final settling of accounts for such fees and expenses).
8.Reaffirmation.  Each Credit Party (a) acknowledges and consents to all of the terms and conditions of this Amendment, (b) affirms all of its obligations under the Credit Documents as amended hereby, (c) agrees that this Amendment and all documents executed in connection herewith do not operate to reduce or discharge any Credit Party’s obligations under the Credit Documents, and (d) confirms that the Collateral Documents and the Liens granted thereunder remain in full force and effect notwithstanding the entry into this Amendment.
9.Miscellaneous.
(a)Except as herein expressly amended, all terms, covenants and provisions of the Credit Agreement and each other Credit Document are and shall remain in full force and effect.  All references in any Credit 

Exhibit 10.1

Document to the “Credit Agreement” or “this Agreement” (or similar terms intended to reference the Credit Agreement) shall henceforth refer to the Credit Agreement as amended by this Amendment.  This Amendment shall be deemed incorporated into, and a part of, the Credit Agreement.
(b)This Amendment shall be binding upon and inure to the benefit of the parties hereto, each other Lender and each other Credit Party, and their respective successors and assigns.
(c)THIS AMENDMENT IS SUBJECT TO THE PROVISIONS OF SECTIONS 11.13 AND 11.14 OF THE CREDIT AGREEMENT RELATING TO GOVERNING LAW, VENUE AND WAIVER OF RIGHT TO TRIAL BY JURY, THE PROVISIONS OF WHICH ARE BY THIS REFERENCE INCORPORATED HEREIN IN FULL.
(d)This Amendment may be executed in counterparts (and by different parties hereto in different counterparts), each of which shall constitute an original, but all of which when taken together shall constitute a single contract.  This Amendment and the other Credit Documents constitute the entire contract among the parties relating to the subject matter hereof and supersede any and all previous agreements and understandings, oral or written, relating to the subject matter hereof.  This Amendment shall become effective upon satisfaction of the conditions set forth in Section 7 hereof.    Delivery of an executed counterpart of a signature page of this Amendment by telecopy or other electronic imaging means shall be effective as delivery of a manually executed counterpart of this Amendment.  This Amendment may not be amended except in accordance with the provisions of Section 11.4 of the Credit Agreement.
(e)If any provision of this Amendment or the other Credit Documents is held to be illegal, invalid or unenforceable, (i) the legality, validity and enforceability of the remaining provisions of this Amendment and the other Credit Documents shall not be affected or impaired thereby and (ii) the parties shall endeavor in good faith negotiations to replace the illegal, invalid or unenforceable provisions with valid provisions the economic effect of which comes as close as possible to that of the illegal, invalid or unenforceable provisions.  The invalidity of a provision in a particular jurisdiction shall not invalidate or render unenforceable such provision in any other jurisdiction.  
(f)The Borrower agrees to pay, in accordance with and subject to the limitations in Section 11.2 of the Credit Agreement, all reasonable and documented out-of-pocket expenses incurred by the Administrative Agent and its Affiliates in connection with the preparation, execution, delivery, administration of this Amendment and the other instruments and documents to be delivered hereunder.
(g)This Amendment shall constitute a “Credit Document” under and as defined in the Credit Agreement.

[Signature Pages Follow.]

Exhibit 10.1

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

BORROWER:
	
		
	EBIX, INC., as the Borrower  

	 

	 

	By:
	/s/ Robin Raina

	Name:
	Robin Raina

	Title:
	President and Chief Executive Officer

		
	Guarantors: 
	Ebix Consulting, Inc., as a Guarantor

	
		
	 

	By:
	/s/ Robin Raina

	Name:
	Robin Raina

	Title:
	President and Chief Executive Officer

Vertex, Incorporated, as a Guarantor
	
		
	By:
	/s/ Robin Raina

	Name:
	Robin Raina

	Title:
	President and Chief Executive Officer

P.B. Systems, Inc., as a Guarantor
	
		
	By:
	/s/ Robin Raina

	Name:
	Robin Raina

	Title:
	President and Chief Executive Officer

Exhibit 10.1

ADMINISTRATIVE AGENT
		
	AND COLLATERAL AGENT:
	REGIONS BANK, as Administrative Agent and Collateral Agent

By: /s/ Steven Dixon         
Name:   Steven Dixon
Title:     Director

Exhibit 10.1

		
	LENDERS:
	REGIONS BANK, 

as a Lender, the Issuing Bank and the Swingline Lender
By: /s/ Steven Dixon         
Name:   Steven Dixon
Title:     Director

PNC BANK, NATIONAL ASSOCIATION,
as a Lender
		
	By:
	/s/ Andrew Fraser    

Name:    Andrew Fraser
Title:     Vice President 

The Toronto-Dominion Bank, New York Branch, as a Lender

		
	By:
	/s/ Lexanne Cooper    

Name: Lexanne Cooper
Title:  Authorized Signatory
TD BANK, N.A., as a Lender

		
	By:
	/s/ Michael B. Cooper    

Name:    Michael B. Cooper
Title:     Vice President

BMO HARRIS BANK N.A., 
as a Lender
		
	By:
	/s/ Christina Boyle    

Name:    Christina Boyle
Title:     Managing Director

Exhibit 10.1

KeyBank National Association,
as a Lender
		
	By:
	/s// David A. Wild    

Name:    David A. Wild
Title:     Senior Vice President
MUFG  Union Bank, N.A., 
as a Lender
		
	By:
	/s/ Lillian Kim    

Name:    Lillian Kim
Title:     Director
FIFTH THIRD BANK, 
as a Lender
		
	By:
	/s/ Grant G. Givens    

Name:    Grant G. Givens
Title:     V.P.
HSBC BANK USA, NATIONAL ASSOCIATION,
as a Lender
		
	By:
	/s/ Michael Liss    

Name:    Michael Liss
Title:     Senior Corporate Banker

SILICON VALLEY BANK, 
as a Lender
		
	By:
	/s/ Russell Follansbee    

Name:     Russell Follansbee
Title:     Vice President

Exhibit 10.1

CADENCE BANK, N.A., 
as a Lender
		
	By:
	/s/ Steve Prichett    

Name:    Steve Prichett
Title:     EVP

Trustmark National Bank, 
as a Lender
		
	By:
	/s/ Robert F. Diehl, Jr.    

Name:    Robert F. Diehl, Jr.
Title:       Executive Vice President

.

Exhibit 10.1

Annex I

(to Amendment No. 2 to Credit Agreement)

See attached.

Exhibit 10.1

Annex II

(to Amendment No. 2 to Credit Agreement)

Appendix A - Lenders, Revolving Commitments, Revolving Commitment Percentages, Term Loan A Commitments and Term Loan A Commitment Percentage

	
			
	Lender
	Revolving Commitment Percentage

	Regions Bank
	$42,968,750.00
	  15.625000000%

	PNC Bank, National Association
	$36,093,750.00
	  13.125000000%

	The Toronto-Dominion Bank, New York Branch
	$  27,500,000.00
	  10.000000000%

	BMO Harris Bank N.A.
	$  25,781,250.00
	   9.375000000%

	KeyBank National Association
	$  25,781,250.00
	   9.375000000%

	MUFG Union Bank, N.A.
	$  25,781,250.00
	   9.375000000%

	Fifth Third Bank
	$  20,625,000.00
	   7.500000000%

	HSBC Bank USA, National Association
	$  20,625,000.00
	   7.500000000%

	Silicon Valley Bank
	$  20,625,000.00
	   7.500000000%

	Cadence Bank, N.A.
	$  13,750,000.00
	   5.000000000%

	TD Bank, N.A.
	$    8,593,750.00
	   3.125000000%

	Trustmark National Bank
	$    6,875,000.00
	   2.500000000%

	Totals
	$275,000,000.00
	100.000000000%

	
			
	Lender
	Term Loan A Commitment
	Term Loan A Commitment Percentage

	Regions Bank
	$  19,531,250.00
	  15.625000000%

	PNC Bank, National Association
	$  16,406,250.00
	  13.125000000%

	TD Bank, N.A.
	$  16,406,250.00
	  13.125000000%

	BMO Harris Bank N.A.
	$  11,718,750.00
	   9.375000000%

	KeyBank National Association
	$  11,718,750.00
	   9.375000000%

	MUFG Union Bank, N.A.
	$  11,718,750.00
	   9.375000000%

	Fifth Third Bank
	$    9,375,000.00
	   7.500000000%

	HSBC Bank USA, National Association
	$    9,375,000.00
	   7.500000000%

	Silicon Valley Bank
	$    9,375,000.00
	   7.500000000%

	Cadence Bank, N.A.
	$    6,250,000.00
	   5.000000000%

	Trustmark National Bank
	$    3,125,000.00
	   2.500000000%

	Totals
	$125,000,000.00
	100.000000000%

Exhibit 10.1

Annex III

(to Amendment No. 2 to Credit Agreement)

See attached.

Annex IV

(to Amendment No. 2 to Credit Agreement)

See attached.

Annex V

(to Amendment No. 2 to Credit Agreement)

See attached.

Annex VI

(to Amendment No. 2 to Credit Agreement)

See attached.

Annex VII

(to Amendment No. 2 to Credit Agreement)

See attached.

Annex VIII

(to Amendment No. 2 to Credit Agreement)

See attached.

Annex IX

(to Amendment No. 2 to Credit Agreement)

See attached.

Exhibit 10.1

Annex X

(to Amendment No. 2 to Credit Agreement)

See attached.

Annex XI

(to Amendment No. 2 to Credit Agreement)

See attached.

Annex XII

(to Amendment No. 2 to Credit Agreement)

See attached.

Annex XIII

(to Amendment No. 2 to Credit Agreement)

See attached.

Annex XIV

(to Amendment No. 2 to Credit Agreement)

See attached.

Annex XV

(to Amendment No. 2 to Credit Agreement)

See attached.

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