Document:

exv4w12

Exhibit 4.12

THIRD AMENDED AND RESTATED SHARING AGREEMENT

     This THIRD AMENDED AND RESTATED SHARING AGREEMENT, dated as of March 28, 2011 (this
“Agreement”), is entered into by and among (i) BANK OF AMERICA, N.A., as administrative agent (in
such capacity and together with its successors and assigns, the “Bank Agent”) for itself and each
of the other banks (the “Banks”) named in the Credit Agreement (as defined below), (ii) PRUDENTIAL
INVESTMENT MANAGEMENT, INC. (together with its successors and assigns, “Prudential”), the
Purchasers (as defined in the Prudential Note Agreement referred to below), and the other
Prudential Affiliates (as defined in the Prudential Note Agreement referred to below) (Prudential,
such Purchasers and such Prudential Affiliates, together with their respective successors and
assigns, so long as they shall hold any Prudential Noteholder Obligations, being referred to herein
as the “Prudential Noteholders”), (iii) PRINCIPAL GLOBAL INVESTORS, LLC (together with its
successors and assigns, “Principal”), the Purchasers (as defined in the Principal Note Agreement
referred to below), and the other Principal Affiliates (as defined in the Principal Note Agreement
referred to below) (Principal, such Purchasers and such Principal Affiliates, together with their
respective successors and assigns, so long as they shall hold any Principal Noteholder Obligations,
being referred to herein as the “Principal Noteholders”), (iv) NEW YORK LIFE INSURANCE COMPANY
(together with its successors and assigns, “NY Life”), the Purchasers (as defined in the NY Life
Note Agreement referred to below), and the other NY Life Affiliates (as defined in the NY Life Note
Agreement referred to below) (NY Life, such Purchasers and such NY Life Affiliates, together with
their respective successors and assigns, so long as they shall hold any NY Life Noteholder
Obligations, being referred to herein as the “NY Life Noteholders”) and (v) AVIVA INVESTORS NORTH
AMERICA INC. (together with its successors and assigns, “Aviva Investors”), the Purchasers (as
defined in the Aviva Note Agreement referred to below), and the other Aviva Affiliates (as defined
in the Aviva Note Agreement referred to below) (Aviva Investors, such Purchasers and such Aviva
Affiliates, together with their respective successors and assigns, so long as they shall hold any
Aviva Noteholder Obligations, being referred to herein as the “Aviva Noteholders” and together with
the Bank Agent, the Banks, the Prudential Noteholders, the Principal Noteholders, the NY Life
Noteholders and any New Lender being herein sometimes collectively called the “Lenders” and
individually called a “Lender”).

W I T N E S S E T H:

     A. INSURANCE SERVICES OFFICE, INC., a Delaware corporation (together with its successors and
assigns, the “Company”) has entered into an Uncommitted Master Shelf Agreement, dated as of June
13, 2003, as amended by Amendment No. 1 to Note Purchase and Master Shelf Agreement, dated as of
January 1, 2005, Amendment No. 2 to Note Purchase and Master Shelf

 

 

Agreement, dated as of June 13, 2005, Amendment No. 3 to Note Purchase and Master Shelf Agreement,
dated as of January 23, 2006, Waiver and Amendment No. 4 to Uncommitted Master Shelf Agreement,
dated as of February 28, 2007, Amendment No. 5 to Uncommitted Master Shelf Agreement, dated as of
August 30, 2010, and Waiver, Consent and Amendment No. 6 to Uncommitted Master Shelf Agreement,
dated as of March 28, 2011, (as amended, modified, extended, restated and/or supplemented from time
to time, the “Prudential Note Agreement”), with the Prudential Noteholders relating to the issuance
by the Company and the purchase by the Prudential Noteholders of the Company’s (i) 4.59% Series E
Senior Notes due June 13, 2011, (ii) 6.00% Series F Senior Notes due August 8, 2011, (iii) 6.13%
Series G Senior Notes due August 8, 2013, (iv) 5.84% Series H Senior Notes due October 6, 2015, (v)
6.28% Series I Senior Notes due April 29, 2015 and (vi) 6.85% Series J Senior Notes due June 15,
2016 and the issuance by the Company and the purchase by the Prudential Noteholders from time to
time of up to $350,000,000 of additional Shelf Notes (as defined in the Prudential Note Agreement)
(such additional Shelf Notes, together with the Series E, F, G, H, I and J Notes described above,
as amended, modified, extended, restated and/or supplemented from time to time, are referred to
herein collectively as the “Prudential Notes”).

     B. The Company has entered into an Uncommitted Master Shelf Agreement, dated as of July 10,
2006, as amended by an Amendment and Waiver, dated as of December 29, 2006, and Waiver, Consent and
Amendment No. 2 to Uncommitted Master Shelf Agreement, dated as of March 28, 2011, (as amended,
modified, extended, restated and/or supplemented from time to time, the “Principal Note
Agreement”), with the Principal Noteholders relating to the issuance by the Company and the
purchase by the Principal Noteholders from time to time of up to $75,000,000 of Shelf Notes (as
defined in the Principal Note Agreement; such Shelf Notes, as amended, modified, extended, restated
and/or supplemented from time to time, collectively, the “Principal Notes”).

     C. The Company has entered into an Uncommitted Master Shelf Agreement, dated as of March 16,
2007, as amended by First Amendment to Uncommitted Master Shelf Agreement, dated as of March 16,
2010, and Waiver, Consent and Amendment No. 2 to Uncommitted Master Shelf Agreement, dated as of
March 28, 2011, (as amended, modified, extended, restated and/or supplemented from time to time,
the “NY Life Note Agreement”), with the NY Life Noteholders relating to the issuance by the Company
and the purchase by the NY Life Noteholders from time to time of up to $115,000,000 of Shelf Notes
(as defined in the NY Life Note Agreement) (such Shelf Notes, as amended, modified, extended,
restated and/or supplemented from time to time, are referred to herein collectively as the “NY Life
Notes”).

     D. The Company has entered into an Uncommitted Master Shelf Agreement, dated as of December
10, 2008, as amended by Waiver, Consent and

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Amendment No. 1 to Uncommitted Master Shelf Agreement, dated as of March 28, 2011, (as amended,
modified, extended, restated and/or supplemented from time to time, the “Aviva Note Agreement”),
with the Aviva Noteholders relating to the issuance by the Company and the purchase by the Aviva
Noteholders from time to time of up to $50,000,000 of Shelf Notes (as defined in the Aviva Note
Agreement) (such Shelf Notes, as amended, modified, extended, restated and/or supplemented from
time to time, are referred to herein collectively as the “Aviva Notes”).

     E. The Company, the Bank Agent and the Banks have entered into a Credit Agreement, dated as of
July 2, 2009, as amended by Letter Agreement, dated as of August 21, 2009, Second Amendment and
Modification Agreement, dated as of April 19, 2010, Third Amendment and Modification Agreement,
dated as of September 10, 2010, and Fourth Amendment and Modification Agreement, dated as of March
28, 2011, (as amended, modified, extended, restated and/or supplemented from time to time, the
“Bank Agreement”, and the Bank Agreement, together with the NY Life Notes, the NY Life Note
Agreement, the Principal Notes, the Principal Note Agreement, the Prudential Notes, the Prudential
Note Agreement, the Aviva Notes, the Aviva Note Agreement and any loan documents the parties to
which are the Company and a Lender that has executed a Joinder Agreement are collectively referred
to herein as the “Company Loan Documents”), pursuant to which the Banks have made available to the
Company a committed revolving credit facility in the aggregate maximum principal amount of up to
$600,000,000.

     F. Payment of the obligations of Verisk Analytics, Inc., a Delaware corporation (the “Parent”)
or the Company to the Lenders arising under or in connection with the respective Company Loan
Documents are separately guaranteed by ISO Staff Services, Inc., a Delaware corporation, ISO Claims
Services, Inc., a Delaware corporation, ISO Services, Inc., a Delaware corporation, Air Worldwide
Corporation, a Delaware corporation, Xactware Solutions, Inc. a Delaware corporation, Verisk
Health, Inc., a Massachusetts corporation, Interthinx, Inc., a California corporation, and
D2Hawkeye, Inc., a Delaware corporation, each of which are Subsidiaries of the Parent and the
Company, and from time to time may be guaranteed by the Parent, the Company or one or more other
Subsidiaries of the Parent or the Company (herein, the Parent and the Company (solely in their
capacities as guarantors of obligations under the Company Loan Documents) and all such Subsidiary
guarantors are sometimes collectively referred to as the “Guarantors” and individually referred to
as a “Guarantor”) pursuant to one or more separate guaranty agreements in favor of the respective
Lenders (as in effect from time to time, collectively, the “Guaranties”).

     G. Under applicable law and the terms of the Company Loan Documents and the Guaranties, the
Lenders may be entitled to set-off, as

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appropriate, and apply any deposits (general or special (except trust and escrow accounts), time or
demand, including without limitation indebtedness evidenced by certificates of deposit, in each
case whether matured or unmatured) and any other indebtedness at any time held or owing by a Lender
to or for the credit or account of the Company or the Guarantors, against and on account of
liabilities of the Company under the Company Loan Documents and the Guarantors under the Guaranties
(collectively, the “Set-Off Rights”).

     H. The obligations of the Company under the Company Loan Documents in which the Company is the
obligor are all intended to be pari passu. The obligations of the Parent under any Company Loan
Documents in which the Parent is the obligor are all intended to be pari passu.

     I. The obligations of the Guarantors under the Guaranties are all intended to be pari passu.

     J. The Bank Agent and the Banks, the Prudential Noteholders, the Principal Noteholders, the NY
Life Noteholders and the Aviva Noteholders are currently party to the Second Amended and Restated
Sharing Agreement, dated as of July 2, 2009, (as in effect on the date hereof, the “Existing
Sharing Agreement”), evidencing their agreement with respect to certain payments that may be
received by them pursuant to the exercise of Set-Off Rights or under or in connection with any
Guaranties in their favor.

     K. The Lenders have agreed to amend and restate the Existing Sharing Agreement in its entirety
with the terms, provisions and conditions of this Agreement as set forth herein.

     NOW, THEREFORE, in consideration of the premises and the mutual agreements herein contained,
the Existing Sharing Agreement is hereby amended and restated in its entirety, and the Lenders
hereby agree, as follows:

1. INTERPRETATION OF THIS AGREEMENT.

1.1. Defined Terms.

     As used in this Agreement, capitalized terms have the respective meanings specified below or
set forth in the section of this Agreement referred to immediately following such term (such
definitions, unless otherwise expressly provided, to be equally applicable to both the singular and
plural forms of the terms defined):

     Affiliate —  means any Person directly or indirectly controlling, controlled by, or under
direct or indirect common control with, the Parent or the Company, except a Subsidiary. A Person
shall be deemed to control a corporation if such

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Person possesses, directly or indirectly, the power to direct or cause the direction of the
management and policies of such corporation, whether through the ownership of voting securities, by
contract or otherwise.

     Agreement —  has the meaning set forth in the preamble of this Agreement.

     Aviva Investors —  has the meaning set forth in the preamble of this Agreement.

     Aviva Note Agreement —  has the meaning set forth in Recital D of this Agreement.

     Aviva Noteholder Obligations —  means, collectively, all outstanding principal, interest,
Yield-Maintenance Amount, breakage costs, fees and other amounts payable under the Aviva Note
Agreement, the Aviva Notes, and (without duplication) the Guaranties in favor of the Aviva
Noteholders.

     Aviva Noteholders —  has the meaning set forth in the preamble of this Agreement.

     Aviva Notes —  has the meaning set forth in Recital D of this Agreement.

     Bank Agent —  has the meaning set forth in the preamble of this Agreement.

     Bank Agreement —  has the meaning set forth in Recital E of this Agreement.

     Bank Obligations —  means, collectively, all outstanding principal, interest, breakage costs,
yield maintenance amounts, fees and other amounts payable under the Bank Agreement and (without
duplication) Guaranties in favor of the Bank Agent and the Banks.

     Banks —  has the meaning set forth in the preamble of this Agreement.

     Company — has the meaning set forth in Recital A of this Agreement.

     Company Loan Documents — has the meaning set forth in Recital E of this Agreement.

     Existing Sharing Agreement — has the meaning set forth in Recital J of this Agreement.

     Guarantor — has the meaning set forth in Recital F of this Agreement.

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     Guaranties — has the meaning set forth in Recital F of this Agreement.

     Joinder Agreement — means a Joinder Agreement in the form attached hereto as Exhibit
“A”.

     Lenders — has the meaning set forth in the preamble of this Agreement.

     Notice of Shared Payment — means a written notification given by or on behalf of any Lender
stating that such Lender has received a Shared Payment.

     New Lender — means any lender or noteholder (or any party acting on behalf of any lender or
noteholder) that hereafter executes a Joinder Agreement and becomes a party hereto in accordance
with Section 3.4 of this Agreement.

     New Lender Agreement — means the loan documents executed by the Parent, the Company and one
or more New Lenders in connection with a loan or series of related loans granted by such New
Lenders.

     New Lender Obligations — means, collectively, all outstanding principal, interest, breakage
costs, yield maintenance amounts, fees and other amounts payable under the New Lender Agreements
and (without duplication) Guaranties in favor of New Lenders.

     NY Life — has the meaning set forth in the preamble of this Agreement.

     NY Life Note Agreement — has the meaning set forth in Recital C of this Agreement.

     NY Life Noteholder Obligations — means, collectively, all outstanding principal, interest,
Yield-Maintenance Amount, breakage costs, fees and other amounts payable under the NY Life Note
Agreement, the NY Life Notes, and (without duplication) the Guaranties in favor of the NY Life
Noteholders.

     NY Life Noteholders — has the meaning set forth in the preamble of this Agreement.

     NY Life Notes — has the meaning set forth in Recital C of this Agreement.

     Obligations — means, collectively, the Bank Obligations, the Prudential Noteholder
Obligations, the Principal Noteholder Obligations, the NY Life Noteholder Obligations, the Aviva
Noteholder Obligations and the New Lender Obligations.

     Obligors — means, collectively, the Parent or Company, as the context requires, and the
Guarantors.

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     Parent — has the meaning set forth in Recital F of this Agreement.

     Person — means an individual, partnership, corporation (including a business trust), limited
liability company or partnership, joint stock company, trust, unincorporated association, joint
venture, governmental agency or other authority.

     Principal — has the meaning set forth in the preamble of this Agreement.

     Principal Note Agreement — has the meaning set forth in Recital B of this Agreement.

     Principal Noteholder Obligations — means, collectively, all outstanding principal, interest,
Yield-Maintenance Amount, breakage costs, fees and other amounts payable under the Principal Note
Agreement, the Principal Notes, and (without duplication) the Guaranties in favor of the Principal
Noteholders.

     Principal Noteholders — has the meaning set forth in the preamble of this Agreement.

     Principal Notes — has the meaning set forth in Recital B of this Agreement.

     Prudential — has the meaning set forth in the preamble of this Agreement.

     Prudential Note Agreement — has the meaning set forth in Recital A of this Agreement.

     Prudential Noteholder Obligations — means, collectively, all outstanding principal, interest,
Yield-Maintenance Amount, breakage costs, fees and other amounts payable under the Prudential Note
Agreement, the Prudential Notes, and (without duplication) the Guaranties in favor of the
Prudential Noteholders.

     Prudential Noteholders — has the meaning set forth in the preamble of this Agreement.

     Prudential Notes — has the meaning set forth in Recital A of this Agreement.

     Receiving Lender — has the meaning set forth in Section 2.2(a) of this Agreement.

     Requisite Lenders — means, at any time,

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     (i) Banks holding at least sixty-six and 2/3 percent (66-2/3%) of the aggregate principal
amount of Bank Obligations owing to the Banks at such time outstanding, exclusive of Bank
Obligations owing to the Banks which Bank Obligations are then held by any one or more of the
Parent, the Company, any Subsidiary (including, without limitation, any Guarantor) or any Affiliate
of the Parent or the Company,

     (ii) the holders of at least sixty-six and 2/3 percent (66-2/3%) of the aggregate principal
amount of the Prudential Noteholder Obligations owing to the Prudential Noteholders at such time
outstanding, exclusive of Prudential Noteholder Obligations owing to the Prudential Noteholders
which Prudential Noteholder Obligations are then held by anyone or more of the Parent, the Company,
any Subsidiary (including, without limitation, any Guarantor) or any Affiliate of the Parent or the
Company,

     (iii) the holders of at least sixty-six and 2/3 percent (66-2/3%) of the aggregate principal
amount of the Principal Noteholder Obligations owing to the Principal Noteholders at such time
outstanding, exclusive of Principal Noteholder Obligations owing to the Principal Noteholders which
Principal Noteholder Obligations are then held by anyone or more of the Parent, the Company, any
Subsidiary (including, without limitation, any Guarantor) or any Affiliate of the Parent or the
Company,

     (iv) the holders of at least sixty-six and 2/3 percent (66-2/3%) of the aggregate principal
amount of the NY Life Noteholder Obligations owing to the NY Life Noteholders at such time
outstanding, exclusive of NY Life Noteholder Obligations owing to the NY Life Noteholders which NY
Life Noteholder Obligations are then held by anyone or more of the Parent, the Company, any
Subsidiary (including, without limitation, any Guarantor) or any Affiliate of the Parent or the
Company,

     (v) the holders of at least sixty-six and 2/3 percent (66-2/3%) of the aggregate principal
amount of the Aviva Noteholder Obligations owing to the Aviva Noteholders at such time outstanding,
exclusive of Aviva Noteholder Obligations owing to the Aviva Noteholders which Aviva Noteholder
Obligations are then held by any one or more of the Parent, the Company, any Subsidiary (including,
without limitation, any Guarantor) or any Affiliate of the Parent or the Company, and

     (vi) the holders of at least sixty-six and 2/3 percent (66-23/3%) of the aggregate principal
amount of each series of New Lender Obligations issued pursuant to a single New Lender Agreement,
or a series of related New Lender Agreements, and owing thereunder to the New Lenders (and their
successors and assigns) that are parties to such agreement or agreements, exclusive of such New
Lender Obligations that are then held by any one or more of the Parent, the

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Company, any Subsidiary (including without limitation, any Guarantor) or any Affiliate of the
Parent or the Company.

     Set-Off Rights — has the meaning set forth in Recital G of this Agreement.

     Shared Payment — has the meaning set forth in Section 2.2(a) of this Agreement.

     Subsidiary — means, as to any Person, any corporation, association or other business entity
in which such Person or one or more of its Subsidiaries or such Person and one or more of its
Subsidiaries owns sufficient equity or voting interests to enable it or them (as a group)
ordinarily, in the absence of contingencies, to elect a majority of the directors (or Persons
performing similar functions) of such entity, and any partnership or joint venture if more than a
fifty percent (50%) interest in the profits or capital thereof is owned by such Person or one or
more of its Subsidiaries or such Person and one or more if its Subsidiaries (unless such
partnership can and does ordinarily take major business actions without the prior approval of such
Person or one or more of its Subsidiaries). Unless the context otherwise clearly requires, any
reference to a “Subsidiary” is a reference to a Subsidiary of the Parent or the Company.

     Trigger Event — means (i) any Event of Default (as such term is defined in any one of the
Company Loan Documents or the Guaranties) and/or (ii) the making of any demand by any Lender on any
Guarantor in respect of the Obligations evidenced by its respective Guaranty.

     Yield-Maintenance Amount — with respect to

          (a) the Prudential Noteholder Obligations, has the meaning set forth in the Prudential Note
Agreement;

          (b) the Principal Noteholder Obligations, has the meaning set forth in the Principal Note
Agreement;

          (c) the NY Life Noteholder Obligations, has the meaning set forth in the NY Life Note
Agreement; and

          (d) the Aviva Noteholder Obligations, has the meaning set forth in the Aviva Note Agreement.

1.2. Certain Other Terms.

     The words “hereof,” “herein” and “hereunder” and words of similar import when used in this
Agreement shall refer to this Agreement as a whole and not to any particular provision of this
Agreement. Section references are to this Agreement unless otherwise specified.

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2. PAYMENTS, ETC.

2.1. Notice of Trigger Event; Receipt of Shared Payment.

     (a) Each Lender agrees to use its best efforts to provide each other Lender timely written
notice of any Trigger Event arising under the Company Loan Documents to which such Lender is a
party (or which run in favor of such Lender) (which obligation shall be deemed satisfied if such
other Lenders have received notice of such Trigger Event from any Person). The failure to provide
such written notice shall not affect the rights of any Lender hereunder.

     (b) Each Lender shall give a Notice of Shared Payment to each other Lender immediately upon
such Lender’s receipt of a Shared Payment unless a Trigger Event has not then occurred, or such
Lender is not aware that a Trigger Event has occurred, in either of which events, such Lender shall
give such notice at such time as such Lender shall first become aware that a Trigger Event has
occurred.

2.2. Trigger Event; Sharing of Payments.

     (a) Each Lender (hereinafter referred to as a “Receiving Lender”) agrees that (i) any payment
of any kind (other than any payment resulting from the exercise of Set-Off Rights) which is
received by it on account of any of the Obligations from or on behalf of any Guarantor in respect
of Guaranties by such Guarantor (x) within 45 days prior to a Trigger Event or (y) on or following
the occurrence of a Trigger Event, and (ii) any payment resulting from the exercise of Set-Off
Rights against the Company or any Guarantor which is (x) received within 45 days prior to a Trigger
Event or (y) on or following the occurrence of a Trigger Event (each such payment, a “Shared
Payment”), are to be distributed among the Lenders, together with any interest accrued thereon
while held by such Lender (as provided below), as follows: (1) first, to the payment of all
reasonable out-of-pocket costs and expenses incurred by such Receiving Lender in obtaining such
Shared Payment; (2) second, to the Lenders ratably in accordance with the respective amounts of
Obligations then held by each Lender and (3) third, if any amount remains, to whomever may be
lawfully entitled to receive the same, or as a court of competent jurisdiction may direct. Prior to
distribution of any Shared Payment, each Receiving Lender shall hold all Shared Payments received
by it in an interest bearing account for the benefit of all Lenders.

     (b) Each Receiving Lender agrees that, to the extent it does not retain all or any portion of
a Shared Payment, such Receiving Lender shall be deemed to have applied the amount not retained to
the purchase of participations in such of the Obligations owing to the other Lenders as is
necessary to give effect to the provisions of Section 2.2(a); provided that (i) if any such
participations are

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purchased by such Receiving Lender and all or any part of the Shared Payment giving rise thereto is
recovered or deemed a preferential or other voidable payment, whether by a trustee in bankruptcy or
otherwise, such participations shall be rescinded to the extent of such recovery, without interest,
in accordance with Section 2.3 and (ii) the provisions of this Section 2.2(b) shall
not be construed to apply to any payment obtained by a Receiving Lender as consideration for the
assignment of or sale of a participation in any of the Obligations held by it to any assignee or
participant, other than the Parent, the Company or any Subsidiary or Affiliate thereof (as to which
the provisions of this Section 2.2(b) shall apply). Notwithstanding that a Receiving Lender
shall purchase participations in the Obligations of the other Lenders pursuant to the terms of this
Section 2.2(b), (i) no Receiving Lender shall be entitled to vote on any matter arising
under any Company Loan Documents other than the Company Loan Documents to which such Receiving
Lender is a party on the date hereof and from which such Receiving Lender’s rights to the
Obligations arise, and (ii) no Receiving Lender shall be liable in respect of, or required to
perform, any of the obligations under any Company Loan Document other than the Company Loan
Documents to which such Receiving Lender is a party on the date hereof and from which such
Receiving Lender’s rights to the Obligations arise; provided that, with respect to the
participations so purchased by a Receiving Lender, the Receiving Lender shall be entitled to share
in any payment made in respect of the applicable underlying Company Loan Documents in which such
participation was purchased pari passu with the other parties party thereto.

     (c) For the avoidance of doubt, the parties hereto agree that any payments made by the Parent,
the Company or any Subsidiary of the Parent or the Company in respect of the Obligations as primary
obligor on such Obligations and not as Guarantor of such Obligations (other than payments made as a
result of the exercise of Set-Off Rights against the Company) shall not be subject to sharing
pursuant to this Agreement.

     (d) The distribution provisions of this Section 2.2 are for the purpose of determining
the relative amounts of proceeds and other payments to be distributed to the Lenders and not for
the purpose of creating an agreement by any Lender as to the manner in which any proceeds or other
payments distributed to such Lender hereunder are actually to be applied to pay any Obligations
owing to such Lender. Each Lender shall be free, each in its own discretion (but subject to any
agreements with the Parent and the Company as to application of proceeds contained in any
applicable Company Loan Document), to apply any proceeds or other payments distributed to it
hereunder to the Obligations held by it in such order as it may determine. Each Obligor agrees that
in any event any payment is made with respect to any Obligations, as between such Obligor and each
Lender, the Obligations discharged by such payment shall be the amount or amounts of the
Obligations to which such Lender applies the portion of such payment distributed to it under this
Section 2.2 as provided in the preceding sentence.

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     (e) Each Obligor acknowledges that it shall have no rights under this Agreement. If any Lender
shall actually or purportedly violate the terms of this Agreement, each Obligor agrees that such
actual or purported violation shall not constitute grounds for a defense to the enforcement by such
Lender or any other Lender of any rights under any Company Loan Document or otherwise in respect of
any Obligations (including without limitation any assertion by such Obligor of any counterclaim or
basis for setoff or recoupment against such Lender).

2.3. Invalidated Payments.

     If any amount paid by any Lender for distribution in accordance with the provisions of this
Agreement is subsequently required to be returned or repaid to any of the Obligors or their
representatives or successors in interest, whether by court order, settlement or otherwise, such
Lender shall promptly notify each other Lender of such requirement, and each Lender shall, promptly
upon its receipt of such notice from such Lender, pay to such Lender the pro rata portion received
by it of such amount, without any interest thereon, for payment to the appropriate Obligors or
their representatives or successors in interest. If any such amounts are subsequently recovered by
any Lender from any of the Obligors or their representatives or successors in interest, such Lender
shall redistribute such amounts to the Lenders, with any applicable interest thereon, pursuant to
Section 2.2. The obligations of the Lenders under this Section 2.3 shall survive
the repayment of the Obligations and the termination of the Company Loan Documents and the
Guaranties.

3. MISCELLANEOUS.

3.1. Governing Law.

     THIS AGREEMENT SHALL BE CONSTRUED, INTERPRETED AND ENFORCED IN ACCORDANCE WITH, AND GOVERNED
BY, THE INTERNAL LAWS OF THE STATE OF NEW YORK.

3.2. Lender Credit Decision.

     Each Lender acknowledges that it has, independently and without reliance upon any other Lender
and based on the financial statements prepared by the Parent or the Company and such other
documents and information as it has deemed appropriate, made its own credit analysis and decision
to enter into this Agreement. Each Lender also acknowledges that it will, independently and without
reliance upon 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 this Agreement.

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3.3. Counterparts.

     This Agreement may be executed in several counterparts, each of which shall be deemed an
original but all of which shall constitute one agreement, and shall constitute a binding agreement
when executed by each of the parties hereto. Delivery of an executed counterpart hereof by
facsimile transmission shall be effective as delivery of an original.

3.4. Successors and Assigns; Joinder of New Lenders.

     This Agreement shall be binding upon and inure to the benefit of the parties hereto and their
respective successors and assigns including any assignees of the Obligations. Each Lender agrees
that it will not assign any of the Obligations absent the execution by such successor or assignee
of a Joinder Agreement, provided that the failure of any Lender to obtain such
Joinder Agreement shall not affect the effectiveness of the immediately preceding sentence. New
lenders to the Parent or the Company may join this Agreement by entering into a Joinder Agreement
and delivering a copy of such Joinder Agreement to each Lender so long as the obligations of the
Parent or the Company to such new lenders are guaranteed by the Guarantors.

     3.5. Amendments to Sharing Agreement and Company Loan Documents; Release of
Guarantors.

     This Agreement may be amended only in a writing executed by the Requisite Lenders. Neither
this Section 3.5, nor any other provision of this Agreement, shall in any way limit the
ability of any Lender to waive, amend or otherwise modify any document relating to the Obligations
to which it is a party (including, without limitation, increasing the respective amounts thereof),
except that, without the consent of all Lenders, no Lender shall release any Guarantor from its
liabilities (or limit any Guaranty) in respect of such obligations unless the portion of such
obligations owing to such Lender shall have been finally and indefeasibly paid in full.

3.6. Termination.

     Subject to Section 2.3 of this Agreement and any other provision expressly intended to
survive the termination hereof, this Agreement shall terminate as to any Lender upon indefeasible
payment in full of all Obligations owing to it.

3.7. Cooperation.

     Each party hereto agrees to cooperate fully with the other parties hereto, in the exercise of
its reasonable judgment, to the end that the terms and provisions of this Agreement may be promptly
and fully carried out. Each party hereto also

13

 

agrees, from time to time, to execute and deliver any and all other agreements, documents or
instruments and to take such other actions, all as may be reasonably necessary or desirable to
effectuate the terms, provisions and intent of this Agreement.

3.8. No Waiver.

     No failure or delay on the part of any Lender in exercising any right, power or remedy
hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any such
right, power or remedy preclude any other or further exercise thereof or the exercise of any other
right, power or remedy hereunder.

3.9. Notices.

     All written communications provided for hereunder shall be sent (a) by telecopier if the
sender on the same day sends a confirming copy of such notice by a recognized overnight delivery
service, with charges prepaid, or (b) by first class mail or nationwide overnight delivery service,
with charges prepaid (provided that any Notice of Shared Payment or copy thereof to
be sent by a Lender shall be sent by nationwide overnight delivery service) and

          (i) if to the Bank Agent, addressed to it at:

Bank of America, N.A.

Agency Management

231 S LaSalle Street

Mail Code: IL1-231-1 0-41

Chicago, IL 60604

Attention: Mr. George S. Carey

                Agency Management Officer

Tel: (312) 828-8938

Fax: (877) 206-8410

Email: george.s.carey@bankofamerica.com

or at such other address as the Bank Agent shall have specified in writing,

          (ii) if to any Prudential Noteholder, addressed to such Prudential Noteholder at:

[Name of Prudential Noteholder]

c/o Prudential Investment Management, Inc.

1114 Avenue of the Americas, 30th Floor

New York, New York 10036

Attention: Yvonne Guajardo

14

 

Telecopier: (212) 626-2077

or at such other address as such Prudential Noteholder shall have specified in writing,

          (iii) if to any Principal Noteholder, addressed to such Principal Noteholder at:

[Name of Principal Noteholder]

c/o Principal Global Investors, LLC

711 High Street, G-26

Des Moines, IA 50392

Attention: Fixed Income Private Placements

Telecopier: 515-248-0483

or at such other address as such Principal Noteholder shall have specified in writing,

          (iv) if to any NY Life Noteholder, addressed to such NY Life Noteholder at:

[Name of NY Life Noteholder]

c/o New York Life Investment Management LLC

51 Madison Avenue

New York, New York 10010

Attention: Fixed Income Investors Group, 2nd Floor

Telecopier: (212) 447-4122

or at such other address as such NY Life Noteholder shall have specified in writing,

          (v) if to any Aviva Noteholder, addressed to such Aviva Noteholder at:

[Name of Aviva Noteholder]

c/o Aviva Investors North America Inc.

215 10th Street

Des Moines, Iowa 50309

Attention: VP — Private Placements

Telecopier: (515) 657-8499

Preferred: privateplacements@avivainvestors.com

or at such other address as such Aviva Noteholder shall have specified in writing, and

15

 

          (vi) if to any other Lender, addressed to such other Lender at the address specified
in the Joinder Agreement to which it is a party, or at such other address as such other
Lender shall have specified in writing.

3.10. Third Party Beneficiaries.

     No Person, including, without limitation, the Guarantors, the Parent and the Company, other
than the Lenders and their respective successors and assigns, shall have any rights under this
Agreement.

3.11. Severability.

     Any provision of this Agreement that is prohibited or unenforceable in any jurisdiction shall,
as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability
without invalidating the remaining provisions hereof, and any such prohibition or unenforceability
in any jurisdiction shall (to the full extent permitted by law) not invalidate or render
unenforceable such provision in any other jurisdiction.

3.12. Headings.

     The descriptive headings of the several sections of this Agreement are inserted for
convenience only and do not constitute a part of this Agreement.

3.13. Submission to Jurisdiction; Waiver of Jury Trial.

     EACH OF THE PARTIES HERETO IRREVOCABLY SUBMITS TO THE NON-EXCLUSIVE JURISDICTION OF ANY UNITED
STATES FEDERAL OR NEW YORK STATE COURT SITTING IN NEW YORK, NEW YORK IN ANY ACTION OR PROCEEDING
ARISING OUT OF OR RELATING TO THIS AGREEMENT AND EACH OF THE PARTIES HERETO HEREBY IRREVOCABLY
AGREES THAT ALL CLAIMS IN RESPECT OF SUCH ACTION OR PROCEEDING MAY BE HEARD AND DETERMINED IN ANY
SUCH COURT. NONE OF THE PARTIES HERETO SHALL SEEK A JURY TRIAL IN ANY LAWSUIT, PROCEEDING,
COUNTERCLAIM OR OTHER LITIGATION PROCEDURE BASED UPON OR ARISING OUT OF OR OTHERWISE RELATED TO
THIS AGREEMENT AND EACH OF THE PARTIES HERETO HEREBY WAIVES, TO THE FULLEST EXTENT PERMITTED BY
LAW, ANY AND ALL RIGHT TO ANY SUCH JURY TRIAL AND ANY RIGHT EACH MAY HAVE TO ASSERT THE DOCTRINE OF
FORUM NON CONVENIENS OR TO OBJECT TO VENUE TO THE EXTENT ANY SUCH PROCEEDING IS BROUGHT IN
ACCORDANCE WITH THIS SECTION 3.13.

16

 

3.14. Entire Agreement.

     This Agreement embodies the entire agreement and understanding among the parties hereto and
supersedes all prior agreements and understandings relating to the subject matter hereof.

[Remainder of page intentionally blank. Next page is signature page.]

17

 

     IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed and
delivered by their proper and duly authorized officers as of the day and year first written above.

	 	 	 	 	 
	 	BANK OF AMERICA, N.A.,

as Administrative Agent

 	 
	 	By:  	/s/
William T. Franey	 
	 	 	Name:  	William T. Franey	 
	 	 	Title:  	Senior Vice President 	 
	 

[Signature Page to Third Amended and Restated Sharing Agreement — Insurance Services Office, Inc.]

 

 

	 	 	 	 	 
	 	PRUDENTIAL INVESTMENT MANAGEMENT, INC.

 	 
	 	By:  	/s/
Yvonne Guajardo	 
	 	 	Name:  	Yvonne Guajardo 	 
	 	 	Title:  	Vice President 	 
	 
	 	THE PRUDENTIAL INSURANCE COMPANY OF AMERICA

 	 
	 	By:  	/s/ Yvonne Guajardo	 
	 	 	Name:  	Yvonne Guajardo 	 
	 	 	Title:  	Vice President 	 
	 
	 	PRUCO LIFE INSURANCE COMPANY

 	 
	 	By:  	/s/ Yvonne Guajardo	 
	 	 	Name:  	Yvonne Guajardo 	 
	 	 	Title:  	Assistant Vice President 	 
	 
	 	PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

 	 
	 	By:  	/s/ Yvonne Guajardo	 
	 	 	Name:  	Yvonne Guajardo 	 
	 	 	Title:  	Assistant Vice President 	 
	 
	 	PRUDENTIAL RETIREMENT INSURANCE AND ANNUITY COMPANY

 	 
	 	By:  	Prudential Investment Management, Inc., as Investment Manager
 	 
	 	 	 
	 	By:  	/s/ Yvonne Guajardo	 
	 	 	Name:  	Yvonne Guajardo 	 
	 	 	Title:  	Vice President 	 
	 

[Signature Page to Third Amended and Restated Sharing Agreement — Insurance Services Office, Inc.]

 

 

	 	 	 	 	 
	 	GIBRALTAR LIFE INSURANCE CO., LTD.

 	 
	 	By:  	Prudential Investment Management (Japan), Inc., as Investment Manager
 	 
	 	By:  	Prudential Investment Management, Inc., as Sub-Adviser
 	 
	 	 	 
	 	By:  	/s/
Yvonne Guajardo	 
	 	 	Name:  	Yvonne Guajardo 	 
	 	 	Title:  	Vice President 	 
	 
	 	PRUDENTIAL ANNUITIES LIFE ASSURANCE CORPORATION (formerly American Skandia Life Assurance Corporation)

 	 
	 	By:  	Prudential Investment Management, Inc., as Investment Manager
 	 
	 	 	 
	 	By:  	/s/
Yvonne Guajardo	 
	 	 	Name:  	Yvonne Guajardo 	 
	 	 	Title:  	Vice President 	 
	 
	 	AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA, INC.

 	 
	 	By:  	Prudential Private Placement Investors, L.P. (as Investment Advisor)
 	 
	 	By:  	Prudential Private Placement Investors, Inc. (as its General Partner)
 	 
	 	 	 
	 	By:  	/s/
Yvonne Guajardo	 
	 	 	Name:  	Yvonne Guajardo 	 
	 	 	Title:  	Vice President 	 
	 

[Signature Page to Third Amended and Restated Sharing Agreement — Insurance Services Office, Inc.]

 

 

	 	 	 	 	 
	 	UNITED OF OMAHA LIFE INSURANCE COMPANY

 	 
	 	By:  	Prudential Private Placement Investors, L.P. (as Investment Advisor)
 	 
	 	By:  	Prudential Private Placement Investors, Inc. (as its General Partner)
 	 
	 	 	 
	 	By:  	/s/
Yvonne Guajardo	 
	 	 	Name:  	Yvonne Guajardo 	 
	 	 	Title:  	Vice President 	 
	 
	 	RGA REINSURANCE COMPANY

 	 
	 	By:  	Prudential Private Placement Investors, L.P. (as Investment Advisor)
 	 
	 	By:  	Prudential Private Placement Investors, Inc. (as its General Partner)
 	 
	 	 	 
	 	By:  	/s/
Yvonne
Guajardo	 
	 	 	Name:  	Yvonne Guajardo 	 
	 	 	Title:  	Vice President 	 
	 

	 	 	 	 	 
	 	PRINCIPAL LIFE INSURANCE COMPANY

 	 
	 	By:  	Principal Global Investors, LLC a Delaware limited liability company, its authorized signatory
 	 
	 	 	 
	 	By:  	/s/
James C. Fifeld	 
	 	 	Name:  	James C. Fifeld	 
	 	 	Title:  	Assistant General Counsel 	 
	 	 	 
	 	By:  	/s/
Christopher J. Henderson	 
	 	 	Name:  	Christopher J. Henderson	 
	 	 	Title:  	Vice President & Senior Investment Counsel 	 
	 

[Signature Page to Third Amended and Restated Sharing Agreement — Insurance Services Office, Inc.]

 

 

	 	 	 	 	 
	 	NEW YORK LIFE INSURANCE COMPANY

 	 
	 	By:  	/s/
Kathleen Haberkern	 
	 	 	Name:  	Kathleen Haberkern	 
	 	 	Title:  	Corporate Vice President 	 
	 
	 	NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION

 	 
	 	By:  	New York Life Investment Management LLC, Its Investment Manager
 	 
	 	 	 
	 	By:  	/s/
Kathleen
Haberkern	 
	 	 	Name:  	Kathleen Haberkern	 
	 	 	Title:  	Director 	 
	 

[Signature Page to Third Amended and Restated Sharing Agreement — Insurance Services Office, Inc.]

 

 

	 	 	 	 	 
	 	AMERICAN INVESTORS LIFE INSURANCE COMPANY

AVIVA LIFE AND ANNUITY COMPANY

AVIVA LIFE AND ANNUITY COMPANY OF NEW YORK

 	 
	 	By:  	Aviva Investors North America Inc. its authorized attorney-in-fact
 	 
	 	 	 
	 	By:  	/s/
Roger D. Fors	 
	 	 	Name:  	Roger D. Fors 	 
	 	 	Title:  	VP-Private Placements 	 
	 

[Signature Page to Third Amended and Restated Sharing Agreement — Insurance Services Office, Inc.]

 

 

CONSENT AND AGREEMENT

     Each of the Parent, the Company and the Guarantors identified below consents to the provisions
of the foregoing Sharing Agreement including the provisions in Sections 2.2(d) and 2.2(e). Each of
the Parent, the Company and the Guarantors acknowledges that no consent or other action by any of
them is necessary for any action to be taken under, or for any amendment of or joinder of a Lender
to, the foregoing Sharing Agreement.

	 	 	 	 	 	 	 	 	 

	ATTEST:	 	VERISK ANALYTICS, INC.	 	 
	 
	 	 	 	 	 	 	 	 
	By:

	 	/s/ Kenneth E. Thompson	 	By:	 	/s/ Mark V. Anquillare	 	 
	 

	 	Name:
Kenneth E. Thompson

	 	 	 	 

Name: Mark V. Anquillare
	 	 
	 

	 	Title:   Secretary	 	 	 	Title: Executive Vice President and Chief 

          Financial Officer	 	 
	 
	 	 	 	 	 	 	 	 
	ATTEST:	 	INSURANCE SERVICES OFFICE, INC.	 	 
	 
	 	 	 	 	 	 	 	 
	By:

	 	/s/ Kenneth E. Thompson	 	By:	 	/s/ Mark V. Anquillare	 	 
	 

	 	Name:
Kenneth E. Thompson

	 	 	 	 

Name: Mark V. Anquillare
	 	 
	 

	 	Title:   Secretary	 	 	 	Title: Executive Vice President and Chief 

          Financial Officer	 	 
	 
	 	 	 	 	 	 	 	 
	ATTEST:	 	ISO CLAIMS SERVICES, INC.	 	 
	 
	 	 	 	 	 	 	 	 
	By:

	 	/s/ Kenneth E. Thompson	 	By:	 	/s/ Mark V. Anquillare	 	 
	 

	 	Name:
Kenneth E. Thompson

	 	 	 	 

Name: Mark V. Anquillare
	 	 
	 

	 	Title:   Secretary	 	 	 	Title:   Vice President	 	 
	 
	 	 	 	 	 	 	 	 
	ATTEST:	 	ISO STAFF SERVICES, INC.	 	 
	 
	 	 	 	 	 	 	 	 
	By:

	 	/s/ Kenneth E. Thompson	 	By:	 	/s/ Mark V. Anquillare	 	 
	 

	 	Name:
Kenneth E. Thompson

	 	 	 	 

Name: Mark V. Anquillare
	 	 
	 

	 	Title:   Secretary	 	 	 	Title:   President	 	 
	 
	 	 	 	 	 	 	 	 
	ATTEST:	 	AIR WORLDWIDE CORPORATION	 	 
	 
	 	 	 	 	 	 	 	 
	By:

	 	/s/ Kenneth E. Thompson	 	By:	 	/s/ Mark V. Anquillare	 	 
	 

	 	Name:
Kenneth E. Thompson

	 	 	 	 

Name: Mark V. Anquillare
	 	 
	 

	 	Title:   Secretary	 	 	 	Title:   Vice President	 	 

[Signature Page to Third Amended and Restated Sharing Agreement — Insurance Services Office, Inc.]

 

 

	 	 	 	 	 	 	 	 	 

	ATTEST:	 	ISO SERVICES, INC.	 	 
	 
	 	 	 	 	 	 	 	 
	By:

	 	/s/ Kenneth E. Thompson	 	By:	 	/s/ Mark V. Anquillare	 	 
	 

	 	Name: Kenneth E. Thompson

	 	 	 	 

Name: Mark V. Anquillare
	 	 
	 

	 	Title: Secretary	 	 	 	Title: Vice President	 	 
	 
	 	 	 	 	 	 	 	 
	ATTEST:	 	XACTWARE SOLUTIONS, INC.	 	 
	 
	 	 	 	 	 	 	 	 
	By:

	 	/s/ Kenneth E. Thompson	 	By:	 	/s/ Mark V. Anquillare	 	 
	 

	 	Name: Kenneth E. Thompson

	 	 	 	 

Name: Mark V. Anquillare
	 	 
	 

	 	Title: Secretary	 	 	 	Title: Vice President	 	 

	 
	 	 	 	 	 	 	 	 
	ATTEST:	 	VERISK HEALTH, INC.	 	 
	 
	 	 	 	 	 	 	 	 
	By:

	 	/s/ Kenneth E. Thompson	 	By:	 	/s/ Mark V. Anquillare	 	 
	 

	 	Name: Kenneth E. Thompson

	 	 	 	 

Name: Mark V. Anquillare
	 	 
	 

	 	Title: Secretary	 	 	 	Title: Vice President	 	 
	 
	 	 	 	 	 	 	 	 
	ATTEST:	 	INTERTHINX, INC.	 	 
	 
	 	 	 	 	 	 	 	 
	By:

	 	/s/ Kenneth E. Thompson	 	By:	 	/s/ Mark V. Anquillare	 	 
	 

	 	Name: Kenneth E. Thompson

	 	 	 	 

Name: Mark V. Anquillare
	 	 
	 

	 	Title: Secretary	 	 	 	Title: Vice President	 	 
	 
	 	 	 	 	 	 	 	 
	ATTEST:	 	D2HAWKEYE, INC.	 	 
	 
	 	 	 	 	 	 	 	 
	By:

	 	/s/ Kenneth E. Thompson	 	By:	 	/s/ Mark V. Anquillare	 	 
	 

	 	Name: Kenneth E. Thompson

	 	 	 	 

Name: Mark V. Anquillare
	 	 
	 

	 	Title: Secretary	 	 	 	Title: Vice President and Treasurer	 	 

[Signature Page to Third Amended and Restated Sharing Agreement — Insurance Services Office, Inc.]

 

 

EXHIBIT “A”

     ATTACHED TO AND MADE A PART OF THAT CERTAIN THIRD AMENDED AND RESTATED SHARING AGREEMENT DATED
AS OF MARCH 28, 2011

JOINDER AGREEMENT

_____________________, 20__

To each of the Lenders party to the

Sharing Agreement (as such terms are defined below)

Ladies and Gentlemen:

     Reference is made to the Third Amended and Restated Sharing Agreement, dated as of March 28,
2011 (hereinafter, as it may be from time to time amended, modified, extended, renewed, and/or
supplemented, referred to as the “Sharing Agreement”), by, among others, the Lenders listed
on the signature pages thereto and those lenders which have become parties thereto by the execution
of Joinder Agreements (hereinafter, together with their respective successors and assigns,
collectively referred to as the “Lenders”), pursuant to which each Lender agrees to share
certain payments in respect of Obligations owing to it in accordance with the terms of the Sharing
Agreement. Capitalized terms used herein and not otherwise defined have the meaning ascribed to
such terms in the Sharing Agreement.

     [NEW LENDER], a_______________________ ________________ (hereinafter referred to as the
“New Lender”), agrees with you as follows:

     1. Sharing Agreement. The New Lender hereby unconditionally and expressly agrees to
become, and by execution and delivery of this Agreement does become, and does assume each and
everyone of the obligations of, a Lender under and as defined in the Sharing Agreement. Without
limitation of the foregoing or of anything in the Sharing Agreement, by such execution and delivery
hereof the New Lender does become fully liable, as a Lender, for the sharing of payments of the
Obligations as provided in Section 2 of the Sharing Agreement. The following address of the
New Lender is to be used for purposes of communications pursuant to Section 3.9 of the
Sharing Agreement: [insert name and address of New Lender].

     2. Further Assurances. The New Lender agrees to cooperate with the other Lenders and
execute such further instruments and documents as the Requisite Lenders shall reasonably request to
effect, to the reasonable satisfaction of the Requisite Lenders, the purposes of this Agreement.

Exhibit A-1

 

 

     3. Binding Effect. This Joinder Agreement shall be binding upon the New Lender and
shall inure to the benefit of the Lenders and their respective successors and assigns.

     4. Termination. This Joinder Agreement shall terminate and cease to be in further
effect upon the termination of the Sharing Agreement by the Lenders (other than the New Lender)
signatory thereto as of the date first above written.

     5. Governing Law. THIS JOINDER AGREEMENT SHALL BE CONSTRUED, INTERPRETED AND ENFORCED
IN ACCORDANCE WITH, AND GOVERNED BY, THE INTERNAL LAWS OF THE STATE OF NEW YORK.

Exhibit A-2

 

 

     IN WITNESS WHEREOF, the New Lender has caused this Joinder Agreement to be executed on its
behalf by one of its duly authorized officers.

	 	 	 	 	 
	 	[NEW LENDER]

 	 
	 	By:  	 	 
	 	 	Name:  	 	 
	 	 	Title:  	 	 
	 

Exhibit A-3exv10w1

Exhibit 10.1

FOURTH AMENDMENT AND MODIFICATION AGREEMENT

     THIS FOURTH AMENDMENT AND MODIFICATION AGREEMENT (hereinafter referred to as this “Fourth
Amendment”) is made this 28th day of March, 2011, by and among

     INSURANCE SERVICES OFFICE, INC., a corporation duly organized, validly existing and in good
standing under the laws of the State of Delaware, having its principal office located at 545
Washington Boulevard, Jersey City, New Jersey 07310-1686 (hereinafter referred to as the
“Borrower”),

     AND

     ISO CLAIMS SERVICES, INC., a corporation duly organized, validly existing and in good standing
under the laws of the State of Delaware having its principal office located at 250 Berryhill Road,
Columbia, South Carolina 29210 (hereinafter referred to as “ISO Claims Services”),

     AND

     AIR WORLDWIDE CORPORATION, a corporation duly organized, validly existing and in good standing
under the laws of the State of Delaware having its principal office located at 131 Dartmouth
Street, Boston, Massachusetts 02116-5134 (hereinafter referred to as “AIR Worldwide”),

     AND

     ISO SERVICES, INC., a corporation duly organized, validly existing and in good standing under
the laws of the State of Delaware having an office located at 545 Washington Boulevard, Jersey
City, New Jersey 07310-1686 (hereinafter referred to as “ISO Services”),

     AND

     XACTWARE SOLUTIONS, INC., a corporation duly organized, validly existing and in good standing
under the laws of the State of Delaware having its principal office located at 1426 East 750 North,
Orem, Utah 84097 (hereinafter referred to as “Xactware”),

     AND

     VERISK HEALTH, INC., a corporation duly organized, validly existing and in good standing under
the laws of the Commonwealth of Massachusetts having its principal office located at 99 Summer
Street, Suite 520, Boston, Massachusetts 02110 (hereinafter referred to as “Verisk”),

     AND

     INTERTHINX, INC., a corporation duly organized, validly existing and in good standing under
the laws of the State of California having its principal office located at 30005 Ladyface Circle,
Agoura Hills, California 91301 (hereinafter referred to as “Interthinx”),

     AND

     D2HAWKEYE, INC., a corporation duly organized, validly existing and in good standing under the
laws of the State of Delaware having its principal office located at 130 Turner Street,
7th Floor,

[FOURTH AMENDMENT

AND MODIFICATION AGREEMENT]

- 1 -

 

Waltham, Massachusetts 02453 (hereinafter referred to as “D2Hawkeye”),

     AND

     VERISK ANALYTICS, INC., a corporation duly organized, validly existing and in good standing
under the laws of the State of Delaware having its principal office located at 545 Washington
Boulevard, Jersey City, New Jersey 07310-1686 (hereinafter referred to as “Verisk
Analytics”)

     AND

     ISO STAFF SERVICES, INC., a corporation duly organized, validly existing and in good standing
under the laws of the State of Delaware having an office located at 545 Washington Boulevard,
Jersey City, New Jersey 07310-1686 (hereinafter referred to as “ISO Staff Services”, and
hereinafter ISO Claims Services, AIR Worldwide, ISO Services, Xactware, Verisk, Interthinx,
D2Hawkeye, Verisk Analytics, and ISO Staff Services shall be collectively referred to as the
“Guarantors”),

     AND

     BANK OF AMERICA, N.A., a national banking association duly organized and validly existing
under the laws of the United States of America, having an office located at 750 Walnut Avenue,
Cranford, New Jersey 07016, in its capacity as a Lender, the letter of credit issuer and the swing
line lender (hereinafter referred to as “Bank of America”),

     AND

     THOSE OTHER LENDERS SIGNATORY HERETO (hereinafter said lenders, together with Bank of
America, shall be sometimes individually referred to as a “Lender” and collectively
referred to as the “Lenders”),

     AND

     BANK OF AMERICA, N.A., a national banking association duly organized and validly existing
under the laws of the United States of America, having an office located at 750 Walnut Avenue,
Cranford, New Jersey 07016, in its capacity as administrative agent for the Lenders (hereinafter
referred to as the “Administrative Agent”).

W I T N E S S E T H :

     WHEREAS, pursuant to the terms, conditions, and provisions of that certain Credit Agreement
dated as of July 2, 2009, executed by and among the Borrower, as borrower, Bank of America, as a
Lender, JPMorgan Chase Bank, N.A. (hereinafter referred to as “JPMorgan Chase”), as a
Lender, Morgan Stanley Bank, N.A. (hereinafter referred to as “Morgan Stanley”), as a
Lender, Wells Fargo Bank, N.A. (hereinafter referred to as “Wells Fargo”), as a Lender,
Bank of America, as letter of credit issuer and swing line lender, and the Administrative Agent, as
administrative agent (hereinafter referred to as the “Original Credit Agreement”), the
Lenders made available to the Borrower an unsecured revolving credit loan facility in the aggregate
maximum principal amount of up to $300,000,000.00, expandable up to an aggregate maximum principal
amount of up to $500,000,000.00 (hereinafter referred to as the “Original Credit
Facility”), which Original Credit Facility includes (i) a $25,000,000.00 letter of credit
sub-facility for the issuance of standby letters of credit (and not commercial letters of credit)
denominated in U.S.

[FOURTH AMENDMENT AND

MODIFICATION AGREEMENT]

- 2 -

 

dollars or such other currencies as may be agreed upon by the Borrower and Bank of America, as
letter of credit issuer, and (ii) a $30,000,000.00 swingline sub-facility, all made available to
the Borrower for working capital and other lawful corporate purposes, including, without
limitation, (a) refinancing a portion of the Borrower’s then-existing indebtedness and (b)
financing such acquisitions as may be permitted pursuant to the terms, conditions, and provisions
of the Original Credit Agreement; and

     WHEREAS, Bank of America’s “Commitment” (as such term is defined in the Original Credit
Agreement) under the Original Credit Facility is evidenced by that certain Revolving Credit Loan
Note #1 dated as of July 2, 2009, executed by the Borrower, as maker, in favor of Bank America, as
payee, in the maximum principal amount of up to $125,000,000.00 (hereinafter referred to as the
“Original Revolving Credit Loan Note #1”); and

     WHEREAS, JPMorgan Chase’s Commitment under the Original Credit Facility is in the maximum
principal amount of up to $75,000,000.00, but JPMorgan Chase did not require that a promissory note
be executed to evidence said Commitment; and

     WHEREAS, Morgan Stanley’s Commitment under the Original Credit Facility is evidenced by that
certain Revolving Credit Loan Note #2 dated as of July 2, 2009, executed by the Borrower, as maker,
in favor of Morgan Stanley, as payee, in the maximum principal amount of up to $50,000,000.00
(hereinafter referred to as the “Original Revolving Credit Loan Note #2”); and

     WHEREAS, Wells Fargo’s Commitment under the Original Credit Facility is in the maximum
principal amount of up to $50,000,000.00, but Wells Fargo did not require that a promissory note be
executed to evidence said Commitment; and

      WHEREAS, pursuant to the terms, conditions, and provisions of that certain
Continuing Guaranty dated as of July 2, 2009 executed by ISO Claims Services, ISO Investment
Holdings, Inc., a Delaware corporation (hereinafter referred to as “ISO Investment
Holdings”), AIR Worldwide, ISO Services, Xactware, Verisk, Interthinx, and D2Hawkeye, on a
joint and several basis, in favor of the Administrative Agent and the Lenders, said Guarantors
guarantied the payment and performance of all of the obligations of the Borrower owed to the
Administrative Agent and the Lenders under the Original Credit Agreement and the other “Loan
Documents” (as such term is defined in the Original Credit Agreement) (hereinafter, as it may be
from time to time amended, modified, extended, renewed, substituted, and/or supplemented, referred
to as the “Guaranty #1”); and

     WHEREAS, pursuant to the terms, conditions, and provisions of that certain Joinder dated as of
August 21, 2009 executed by SunTrust Bank (hereinafter referred to as “SunTrust”), as an
additional Lender, SunTrust agreed to (i) provide a Commitment equal to $25,000,000.00 and (ii)
accept and be bound by all of the terms, conditions, and provisions of the Original Credit
Agreement and the other Loan Documents, as a result of which SunTrust became a “Lender” under the
Original Credit Agreement; and

     WHEREAS, SunTrust’s original Commitment under the Original Credit Facility was in the
aforesaid maximum principal amount of up to $25,000,000.00, and SunTrust did not require that a
promissory note be executed to evidence said Commitment; and

     WHEREAS, pursuant to the terms, conditions, and provisions of that certain Joinder dated as of
August 21, 2009 executed by PNC Bank, N.A. (hereinafter referred to as “PNC”), as an
additional Lender, PNC agreed to (i) provide a Commitment equal to $20,000,000.00 and (ii) accept
and be bound by all of the terms, conditions, and provisions of the Original Credit Agreement and
the other Loan

[FOURTH AMENDMENT AND

MODIFICATION AGREEMENT]

- 3 -

 

Documents, as a result of which PNC became a “Lender” under the Original Credit Agreement; and

     WHEREAS, PNC’s Commitment under the Original Credit Facility was evidenced by that certain
Revolving Credit Loan Note #3, dated August 21, 2009 executed by the Borrower, as maker, in favor
of PNC, as payee, in the maximum principal amount of up to $20,000,000.00 (hereinafter referred to
as the “Original Revolving Credit Loan Note #3”); and

     WHEREAS, pursuant to the terms, conditions, and provisions of that certain Joinder dated as of
August 21, 2009 executed by Sovereign Bank (hereinafter referred to as “Sovereign”), as an
additional Lender, Sovereign agreed to (i) provide a Commitment in the principal amount of
$40,000,000.00 and (ii) accept and be bound by all of the terms, conditions, and provisions of the
Original Credit Agreement and the other Loan Documents, as a result of which Sovereign became a
“Lender” under the Original Credit Agreement; and

     WHEREAS, Sovereign’s Commitment under the Original Credit Facility is evidenced by that
certain Revolving Credit Loan Note #4 dated August 21, 2009 executed by the Borrower, as maker, in
favor of Sovereign, as payee, in the maximum principal amount of up to $40,000,000.00 (hereinafter
referred to as the “Original Revolving Credit Loan Note #4”); and

     WHEREAS, pursuant to the terms, conditions, and provisions of that certain Joinder dated as of
August 21, 2009 executed by RBS Citizens, N.A. (hereinafter referred to as “RBS”), as an
additional Lender, RBS agreed to (i) provide a Commitment in the principal amount of $35,000,000.00
and (ii) accept and be bound by all of the terms, conditions, and provisions of the Original Credit
Agreement and the other Loan Documents, as a result of which RBS became a “Lender” under the
Original Credit Agreement; and

     WHEREAS, RBS’s original Commitment under the Original Credit Facility was evidenced by that
certain Revolving Credit Loan Note #5, dated August 21, 2009 executed by the Borrower, as maker, in
favor of RBS, as payee, in the maximum principal amount of up to $35,000,000.00 (hereinafter
referred to as the “Original Revolving Credit Loan Note #5”); and

     WHEREAS, pursuant to that certain Letter Agreement dated August 21, 2009 executed by and
between the Borrower and the Administrative Agent, on behalf of itself as Administrative Agent and
all of the Lenders (hereinafter referred to as the “First Amendment”), the Borrower and the
Administrative Agent agreed to amend and modify the terms, conditions, and provisions of the
Original Credit Agreement for the purposes more fully set forth and described in the First
Amendment; and

     WHEREAS, pursuant to the terms, conditions, and provisions of that certain Continuing Guaranty
dated November 4, 2009 executed by Verisk Analytics in favor of the Administrative Agent and the
Lenders in accordance with the requirements of Section 6.12(b) of the Credit Agreement,
Verisk Analytics guarantied the payment and performance of all of the obligations of the Borrower
owed to the Administrative Agent and the Lenders under the Original Credit Agreement and the other
Loan Documents (hereinafter, as it may be from time to time amended, modified, extended, renewed,
substituted, and/or supplemented, referred to as the “Guaranty #2”); and

     WHEREAS, pursuant to that certain Second Amendment and Modification Agreement dated April 19,
2010, executed by and among the Borrower, the Guarantors, the Lenders, and the Administrative Agent
(hereinafter referred to as the “Second Amendment”), the Borrower, the Guarantors, the
Lenders, and the Administrative Agent agreed to further amend and modify the terms,

[FOURTH AMENDMENT AND

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conditions, and provisions of the Original Credit Agreement for the purposes more fully set forth
and described in the Second Amendment; and

     WHEREAS, on June 30, 2010, ISO Investment Holdings was merged with and into the Borrower, with
the Borrower being the surviving entity; and

     WHEREAS, pursuant to that certain Third Amendment and Modification Agreement dated September
10, 2010, executed by and among the Borrower, the Guarantors, the Lenders, and the Administrative
Agent (hereinafter referred to as the “Third Amendment”, and hereinafter the Original
Credit Agreement, as amended and modified through the Third Amendment, shall be referred to as the
“Credit Agreement”), the Borrower, the Guarantors, the Lenders, and the Administrative
Agent agreed to further amend and modify the terms, conditions, and provisions of the Original
Credit Agreement for the purposes more fully set forth and described in the Third Amendment,
including providing for an accordion feature to expand the aggregate maximum principal amount of
the Commitments to up to $750,000,000.00; and

     WHEREAS, in connection with the execution and delivery of the Third Amendment, Bank of America
increased its Commitment under the Original Credit Facility to a new principal amount of
$150,000,000.00, and such increased Commitment is evidenced by that certain First Substitute
Revolving Credit Loan Note #1, dated September 10, 2010, executed by the Borrower, as maker, in
favor of Bank of America, as payee, in the maximum principal amount of up to $150,000,000.00, which
First Substitute Revolving Credit Loan Note #1 was given in full substitution for and in full
replacement of the Original Revolving Credit Loan Note #1 (hereinafter, as it may be from time to
time amended, modified, extended, renewed, substituted, and/or supplemented, referred to as the
“Revolving Credit Loan Note #1”); and

     WHEREAS, in connection with the execution and delivery of the Third Amendment, JPMorgan Chase
increased its Commitment under the Original Credit Facility to a new principal amount of
$120,000,000.00, and JPMorgan Chase did not require that a promissory note be executed and
delivered to it by the Borrower as evidence of such increased Commitment; and

     WHEREAS, in connection with the execution and delivery of the Third Amendment, Morgan Stanley
increased its Commitment under the Original Credit Facility to a new principal amount of
$95,000,000.00, and such increased Commitment is evidenced by that certain First Substitute
Revolving Credit Loan Note #2, dated September 10, 2010, executed by the Borrower, as maker, in
favor of Morgan Stanley, as payee, in the maximum principal amount of up to $95,000,000.00, which
First Substitute Revolving Credit Loan Note #2 was given in full substitution for and in full
replacement of the Original Revolving Credit Loan Note #2 (hereinafter, as it may be from time to
time amended, modified, extended, renewed, substituted, and/or supplemented, referred to as the
“Revolving Credit Loan Note #2”); and

     WHEREAS, in connection with the execution and delivery of the Third Amendment, Wells Fargo
increased its Commitment under the Original Credit Facility to a new principal amount of
$75,000,000.00, and Wells Fargo did not require that a promissory note be executed and delivered to
it by the Borrower as evidence of such increased Commitment; and

     WHEREAS, in connection with the execution and delivery of the Third Amendment, SunTrust Bank
increased its Commitment under the Original Credit Facility to a new principal amount of
$47,500,000.00, and SunTrust Bank did not require that a promissory note be executed and delivered
to it by the Borrower as evidence of such increased Commitment; and

[FOURTH AMENDMENT AND

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     WHEREAS, in connection with the execution and delivery of the Third Amendment, PNC terminated
its Commitment and withdrew as a Lender; and

     WHEREAS, in connection with the execution and delivery of the Third Amendment, Sovereign Bank
maintained its Commitment under the Original Credit Facility at its original principal amount of
$40,000,000.00; and

     WHEREAS, in connection with the execution and delivery of the Third Amendment, RBS increased
its Commitment under the Original Credit Facility to a new principal amount of $47,500,000.00, and
such increased Commitment is evidenced by that certain First Substitute Revolving Credit Loan Note
#5, dated September 10, 2010, executed by the Borrower, as maker, in favor of RBS , as payee, in
the maximum principal amount of up to $47,500,000.00, which First Substitute Revolving Credit Loan
Note #5 was given in full substitution for and in full replacement of the Original Revolving Credit
Loan Note #5 (hereinafter, as it may be from time to time amended, modified, extended, renewed,
substituted, and/or supplemented, referred to as the “Revolving Credit Loan Note #5”); and

     WHEREAS, pursuant to that certain Joinder dated March 16, 2011, The Northern Trust Company
(hereinafter referred to as “Northern”) issued a Commitment under the Original Credit
Facility in the principal amount of $25,000,000.00 and, as a result of said additional Commitment
having been obtained, the aggregate maximum principal amount of the Original Credit Facility has
been increased to up to Six Hundred Million and 00/100 ($600,000,000.00) Dollars (hereinafter the
Original Credit Facility, as so increased and as it may be from time to time hereafter amended,
modified, extended, renewed, substituted, and/or supplemented, shall be referred to as the
“Credit Facility”), and such Commitment is evidenced by that certain Revolving Credit Loan
Note #6, dated March 16, 2011, executed by the Borrower, as maker, in favor of Northern, as payee,
in the maximum principal amount of up to $25,000,000.00 (hereinafter, as it may be from time to
time amended, modified, extended, renewed, substituted, and/or supplemented, referred to as the
“Revolving Credit Loan Note #6”, and hereinafter the Revolving Credit Loan Note #1, the
Revolving Credit Loan Note #2, the Original Revolving Credit Loan Note #4, the Revolving Credit
Loan Note #5, and the Revolving Credit Loan Note #6 shall be collectively referred to as the
“Notes”); and

     WHEREAS, pursuant to the terms, conditions, and provisions of that certain Continuing Guaranty
dated March 28, 2011 executed by ISO Staff Services in favor of the Administrative Agent and the
Lenders in accordance with the requirements of Section 6.12(a) of the Credit Agreement, ISO
Staff Services guarantied the payment and performance of all of the obligations of the Borrower
owed to the Administrative Agent and the Lenders under the Credit Agreement and the other Loan
Documents (hereinafter, as it may be from time to time amended, modified, extended, renewed,
substituted, and/or supplemented, referred to as the “Guaranty #3”, and hereinafter the
Guaranty #1, the Guaranty #2, and the Guaranty #3 shall be collectively referred to as the
“Guaranties”); and

     WHEREAS, the parties hereto have agreed to amend and modify the Credit Agreement and the other
Loan Documents pursuant to the terms, conditions, and provisions of this Fourth Amendment for the
purposes more fully set forth and described herein; and

     WHEREAS, defined terms used but not expressly defined herein shall have the same meanings when
used herein as set forth in the Credit Agreement.

     NOW, THEREFORE, intending to be legally bound hereby, the parties hereto hereby promise,
covenant, and agree as follows:

[FOURTH AMENDMENT AND

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     1. Waiver. Each of the Lenders and the Administrative Agent hereby waives, effective
as of the date first above written, only the Event of Default arising under Section 8.01(c)
of the Credit Agreement caused by the Borrower’s failure to comply with Section 7.03 of the
Credit Agreement, solely to the extent of the Borrower’s past failure to cause ISO Staff Services
to deliver a Guaranty pursuant to the terms of the Credit Agreement (as so amended);
provided that ISO Staff Services shall deliver, on the date first written above,
such Guaranty in the form so provided in the Credit Agreement.

     2. Credit Agreement. The Credit Agreement is hereby amended and modified as follows:

          (i) The existing Section 1.01 of the Credit Agreement is hereby amended and modified
by deleting the penultimate paragraph in the existing definition of “Applicable Rate” and
inserting the following new paragraph in its place and stead:

“For the purposes of calculating the Consolidated Funded Debt Leverage Ratio in
connection with this definition only, and for no other purpose, to the extent that
Verisk Analytics, Inc. acquires a Person in accordance with the terms, conditions,
and provisions of this Agreement, the Administrative Agent shall include in its
calculation of Consolidated EBITDA the pro forma effect of such acquisition as if
such acquisition shall have occurred on the first date of the applicable test
period.”

          (ii) The existing Section 1.01 of the Credit Agreement is hereby amended and modified
by deleting the existing definition of “Consolidated EBIT” and inserting the following new
definition of “Consolidated EBIT” in its place and stead:

““Consolidated EBIT” means, for any period, for Verisk Analytics, Inc. and
its direct and indirect Subsidiaries on a consolidated basis, an amount equal to
Consolidated Net Income for such period plus (a) the following to the extent
deducted in calculating such Consolidated Net Income: (i) Consolidated Interest
Charges for such period; (ii) the provision for Federal, state, local and foreign
income taxes payable by Verisk Analytics, Inc. and its direct and indirect
Subsidiaries for such period; (iii) non-cash charges for the appreciation of ESOP
            shares; (iv) non-cash stock option expenses under FASB Accounting Standards
Codification 718 for such period; (v) non-cash expenses in connection with the
Borrower’s Top Hat Plan and Deferred Compensation Plan for such period, to the
extent such expenses are the result of increasing the participant liabilities for
said plans due to the appreciation in value of the investments held; (vi) non-cash
expenses other than temporary impairment of the Borrower’s Top Hat Plan and Deferred
Compensation Plan for such period, to the extent such expenses are the result of the
depreciation in value of the investments held in said plan; (vii) non-cash loss on
the disposal of fixed assets for such period; and (viii) other non-recurring
expenses of Verisk Analytics, Inc. and its direct and indirect Subsidiaries reducing
such Consolidated Net Income which do not represent a cash item in such period or
any future period and minus (b) the following to the extent included in
calculating such Consolidated Net Income: (i) Federal, state, local and foreign
income tax credits of Verisk Analytics, Inc. and its direct and indirect
Subsidiaries for such period; (ii) non-cash gains in connection with the Borrower’s
Top Hat Plan and Deferred Compensation Plan for such period, to the extent such
gains are the result of decreasing the participant liabilities for said plans due to
the depreciation in value of the investments held; and (iii) other non-recurring
non-cash items increasing Consolidated Net Income for such period.”

[FOURTH AMENDMENT AND

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          (iii) The existing Section 1.01 of the Credit Agreement is hereby amended and modified
by deleting the existing definition of “Consolidated EBITDA” and inserting the following
new definition of “Consolidated EBITDA” in its place and stead:

““Consolidated EBITDA” means, for any period, for Verisk Analytics, Inc. and
its direct and indirect Subsidiaries on a consolidated basis, an amount equal to
Consolidated Net Income for such period plus (a) the following to the extent
deducted in calculating such Consolidated Net Income: (i) Consolidated Interest
Charges for such period; (ii) the provision for Federal, state, local and foreign
income taxes payable by Verisk Analytics, Inc. and its direct and indirect
Subsidiaries for such period; (iii) depreciation and amortization expense; (iv)
non-cash charges for the appreciation of ESOP shares; (v) non-cash stock option
expenses under FASB Accounting Standards Codification 718 for such period; (vi)
non-cash expenses in connection with the Borrower’s Top Hat Plan and Deferred
Compensation Plan for such period, to the extent such expenses are the result of
increasing the participant liabilities for said plans due to the appreciation in
value of the investments held; (vii) non-cash expenses other than temporary
impairment of the Borrower’s Top Hat Plan and Deferred Compensation Plan for such
period, to the extent such expenses are the result of the depreciation in value of
the investments held; (viii) non-cash loss on the disposal of fixed assets for such
period; and (ix) other non-recurring expenses of Verisk Analytics, Inc. and its
direct and indirect Subsidiaries reducing such Consolidated Net Income which do not
represent a cash item in such period or any future period and minus (b) the
following to the extent included in calculating such Consolidated Net Income: (i)
Federal, state, local and foreign income tax credits of Verisk Analytics, Inc. and
its direct and indirect Subsidiaries for such period; (ii) non-cash gains in
connection with the Borrower’s Top Hat Plan and Deferred Compensation Plan for such
period, to the extent such gains are the result of decreasing the participant
liabilities for said plans due to the depreciation in value of the investments held;
and (iii) other non-recurring non-cash items increasing Consolidated Net Income for
such period.”

          (iv) The existing Section 1.01 of the Credit Agreement is hereby amended and modified
by deleting the existing definition of “Consolidated Funded Debt Leverage Ratio” and
inserting the following new definition of “Consolidated Funded Debt Leverage Ratio” in its
place and stead:

““Consolidated Funded Debt Leverage Ratio” means, as of any date of
determination, the ratio of (a) Consolidated Funded Indebtedness as of such date
-to- (b) Consolidated EBITDA for the period of the four fiscal quarters most
recently ended.

For the purposes of calculating the Consolidated Funded Debt Leverage Ratio in
connection with determining compliance with the financial covenant set forth and
contained in Section 7.10(b) of this Agreement only, and for no other
purpose, to the extent that Verisk Analytics, Inc. acquires a Person in accordance
with the terms, conditions, and provisions of this Agreement, the Administrative
Agent shall include in its calculation of Consolidated EBITDA the pro forma effect
of such acquisition as if such acquisition shall have occurred on the first date of
the applicable test period.”

          (v) The existing Section 1.01 of the Credit Agreement is hereby amended and modified
by deleting the existing definition of “Consolidated Funded Indebtedness” and inserting the
following new definition of “Consolidated Funded Indebtedness” in its place and stead:

[FOURTH AMENDMENT AND

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““Consolidated Funded Indebtedness” means, as of any date of determination,
for Verisk Analytics, Inc. and its direct and indirect Subsidiaries on a
consolidated basis, the sum of (a) the outstanding principal amount of all
obligations, whether current or long-term, for borrowed money (including Obligations
hereunder) and all obligations evidenced by bonds, debentures, notes, loan
agreements or other similar instruments, (b) all purchase money Indebtedness, (c)
all obligations, whether contingent or otherwise, arising under letters of credit
(including standby and commercial letters of credit), bankers’ acceptances, bank
guaranties, surety bonds and similar instruments, (d) all obligations in respect of
the deferred purchase price of Property or services (other than obligations to pay
the earn out portion of the purchase price for Permitted Acquisitions and trade
accounts payable in the ordinary course of business), (e) Attributable Indebtedness
in respect of Capitalized Leases and Synthetic Lease Obligations, (f) without
duplication, all Guarantees with respect to outstanding Indebtedness of the types
specified in clauses (a) through (e) above of Persons other than Verisk Analytics,
Inc. or any direct or indirect Subsidiary, (g) without duplication, all Guarantees
by Verisk Analytics, Inc. and/or the Company of Permitted Subsidiary Acquisition
Indebtedness, and (h) all Indebtedness of the types referred to in clauses (a)
through (f) above of any partnership or joint venture (other than a joint venture
that is itself a corporation or limited liability company) in which Verisk
Analytics, Inc. or a direct or indirect Subsidiary is a general partner or joint
venturer, unless such Indebtedness is expressly made non-recourse to Verisk
Analytics, Inc. or such direct or indirect Subsidiary.”

          (vi) The existing Section 1.01 of the Credit Agreement is hereby amended and modified
by deleting the existing definition of “Consolidated Interest Charges” and inserting the
following new definition of “Consolidated Interest Charges” in its place and stead:

““Consolidated Interest Charges” means, for any period, for Verisk
Analytics, Inc. and its direct and indirect Subsidiaries on a consolidated basis,
all interest, premium payments, debt discount, fees, charges and related expenses of
Verisk Analytics, Inc. and its direct and indirect Subsidiaries in connection with
borrowed money (including capitalized interest) or in connection with the deferred
purchase price of assets, in each case (a) paid in cash and (b) to the extent
treated as interest in accordance with GAAP.”

          (vii) The existing Section 1.01 of the Credit Agreement is hereby amended and modified
by deleting the existing definition of “Consolidated Net Income” and inserting the
following new definition of “Consolidated Net Income” in its place and stead:

““Consolidated Net Income” means, for any period, for Verisk Analytics, Inc.
and its direct and indirect Subsidiaries on a consolidated basis, the net income of
Verisk Analytics, Inc. and its direct and indirect Subsidiaries (excluding
extraordinary gains and extraordinary losses) for that period.”

          (viii) The existing Section 1.01 of the Credit Agreement is hereby amended and
modified by deleting the existing definition of “Material Domestic Subsidiary” and
inserting the following new definition of “Material Domestic Subsidiary” in its place and
stead:

““Material Domestic Subsidiary” means any Domestic Subsidiary (a) which
accounts for, or is responsible for generating, ten percent (10%) or more of the
consolidated operating

[FOURTH AMENDMENT AND

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income or consolidated revenue of Verisk Analytics, Inc. and its direct and indirect
Subsidiaries, as of the most recently ended fiscal quarter, or (b) which contributed
more than ten percent (10%) of Consolidated EBITDA for the most recently ended four
fiscal quarter period; provided, however, that no Domestic
Subsidiary shall be deemed to be a Material Domestic Subsidiary for the purposes of
compliance with Section 6.12 of this Agreement until the earlier to occur of
the following two events: (i) such Domestic Subsidiary has been included in the
annual audited consolidated results of Verisk Analytics, Inc. for at least nine (9)
months and such annual audited consolidated results shall have been publicly filed
in Verisk Analytics, Inc.’s annual report on Form 10-K; or (ii) the public filing by
Verisk Analytics, Inc. of annual audited financial statements for such Domestic
Subsidiary for the most recent fiscal year, provided that the
determination of whether such annual audited financial statements for such Domestic
Subsidiary are prepared and publicly filed shall be at the sole discretion of Verisk
Analytics, Inc. Notwithstanding the foregoing definition to the contrary, the
Administrative Agent and the Lenders hereby acknowledge and agree that, as of March
23, 2011, 3E Company Environmental, Ecological and Engineering, a Delaware
corporation, is not a Material Domestic Subsidiary.”

          (ix) The existing Section 1.01 of the Credit Agreement is hereby amended and modified
by adding the following new definitions:

““Bondholders” means the holders of the Bonds.”

““Bonds” means any unsecured debt securities (whether registered under the
Securities Act of 1933, as amended, or exempt therefrom (pursuant to Rule 144A
thereunder or otherwise)) (i) issued by either Verisk Analytics, Inc. or the
Borrower and (ii) guaranteed by Verisk Analytics, Inc. or the Borrower, as
applicable, and any direct or indirect Subsidiary of Verisk Analytics, Inc. or the
Borrower.”

          (x) The existing Section 2.05(b)(iii) of the Credit Agreement is hereby deleted in its
entirety, and the following is hereby inserted in its place and stead: “Intentionally
Omitted.”

          (xi) The existing Section 6.01(c) of the Credit Agreement is hereby deleted in its
entirety and the following new Section 6.01(c) is hereby inserted in its place and stead:

“(c) as soon as available, but in any event at least ninety (90) days after the
commencement of each fiscal year of Verisk Analytics, Inc., annual projections for
Verisk Analytics, Inc. and its direct and indirect Subsidiaries on a consolidated
basis of a consolidated statement of income and operations of Verisk Analytics, Inc.
and its direct and indirect Subsidiaries, on a quarterly basis for such fiscal
year.”

          (xii) The existing Section 6.14 of the Credit Agreement is hereby deleted in its
entirety and the following new Section 6.14 is hereby inserted in its place and stead:

“6.14 Most Favored Lender Status. Deem this Agreement to be automatically amended
(such amendment to be effective as of the date of the applicable incurrence,
creation, assumption or amendment or modification) to include the representations,
warranties, covenants and/or event of default provisions of any of the documents,
indentures, agreements, or other evidence of any additional Indebtedness (or
amendment

[FOURTH AMENDMENT AND

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or modification thereof), created, incurred or assumed by the Borrower or any
Subsidiary after the date of this Agreement in favor of any lender or creditor, in
the event and only to the extent such representations, warranties, covenants and/or
event of default provisions are more favorable to such lender or creditor than, or
are in addition to, those already set forth and contained in this Agreement and the
other Loan Documents; provided, however, that, so long as no Default
or Event of Default shall then exist, any such amendment of this Agreement shall be
deemed (i) to terminate automatically upon (a) the repayment in full and termination
of such Indebtedness or (b) the effective date of the deletion of such more
favorable provisions in respect of such additional Indebtedness pursuant to the
terms of such additional Indebtedness or (ii) to be amended automatically and in
like manner and effect upon the effectiveness of any amendment of such more
favorable provisions in respect of such Indebtedness pursuant to the terms of such
additional Indebtedness. Within three (3) Business Days thereafter, the Borrower
shall deliver a written conforming amendment to this Agreement. Prior to the
execution and delivery of such documents by the Borrower and before such additional
Indebtedness shall have been repaid in full and terminated, this Agreement shall be
deemed to contain each such more favorable (or, as the case may be, such additional)
representation, warranty, covenant and/or event of default provision for purposes of
determining the rights and obligations hereunder.”

          (xiii) The following new Section 7.02(p) shall be added to Section 7.02 of the
Credit Agreement:

“(p) Investments in the form of Guarantees by the Borrower or the Domestic
Subsidiaries of the Borrower which act as Guarantors hereunder for the benefit of
the Bondholders in connection with the Bonds.”

          (xiv) The existing Section 7.08 of the Credit Agreement is hereby deleted in its
entirety, and the following is hereby inserted in its place and stead: “Intentionally
Omitted.”

          (xv) The existing Section 7.10 of the Credit Agreement is hereby deleted in its
entirety, and the following new Section 7.10 is hereby inserted in its place and stead:

“7.10 Financial Covenants.

	 	(a)	 	Consolidated Interest Coverage Ratio. Permit the
Consolidated Interest Coverage Ratio as of the end of any fiscal quarter of
Verisk Analytics, Inc. to be less than 3.0 -to- 1.0.
	 
	 	(b)	 	Consolidated Funded Debt Leverage Ratio. Permit the
Consolidated Funded Debt Leverage Ratio at any time during any period of four
fiscal quarters of Verisk Analytics, Inc. to be greater than 3.0 -to- 1.0.”

          (xvi) The existing Section 7.11 of the Credit Agreement is hereby deleted in its
entirety and the following new Section 7.11 is hereby inserted in its place and stead:

“7.11 No Negative Pledges to Other Persons. Grant to another Person a covenant
commonly referred to as a “negative pledge” with respect to its respective assets
and properties other than (a) in connection with any Indebtedness constituting
purchase-money

[FOURTH AMENDMENT AND

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Indebtedness secured by purchase-money security interests and Capitalized Leases, in
each case, to the extent permitted under Section 7.03, and solely to the
extent such covenant is limited to the Property covered by such Liens; (b) customary
non-assignment provisions of leases, subleases, licenses and sublicenses; (c) with
respect to specific Property to be sold pursuant to an executed definitive purchase
agreement in connection with a Disposition permitted under Section 7.05; (d)
in connection with Permitted Subsidiary Acquisition Indebtedness and limited to the
Property covered by Liens in respect of Permitted Subsidiary Acquisition
Indebtedness; and (e) for the benefit of the Bondholders in connection with the
Bonds.”

     3. Amendments to all Loan Documents. Any and all references in any Loan Document to
the Credit Agreement and/or any of the other Loan Documents shall be deemed to refer to the Credit
Agreement or such other Loan Document, as amended and modified through this Fourth Amendment.

     4. Further Agreements and Representations. The Borrower and the Guarantors do hereby:
(i) ratify, confirm and acknowledge that, as amended and modified by this Fourth Amendment, the
Credit Agreement, the Notes, the Guaranties, and all other Loan Documents continue to be valid,
binding and in full force and effect; (ii) acknowledge and agree that, as of the date hereof, none
of the Borrower or any of the Guarantors has any defense, set-off, counterclaim or challenge
against the payment of any sums due and owing to the Administrative Agent or any Lender or the
enforcement of any of the terms of the Credit Agreement, the Guaranties and/or any of the other
Loan Documents; (iii) acknowledge and agree that all representations and warranties of the Borrower
and the Guarantors contained in the Credit Agreement, the Guaranties, and the other Loan Documents
are true, accurate and correct as of the date hereof as if made on and as of the date hereof,
except (a) to the extent any such representation or warranty is by its terms limited to a certain
date or dates in which case it remains true, accurate and correct as of such date or dates, or (b)
to the extent any such representation or warranty references or incorporates by reference any of
the updated Schedules attached to this Fourth Amendment, in which case such representation or
warranty shall be deemed to incorporate and refer to such updated Schedules, rather than the
corresponding Schedules originally attached to the Original Credit Agreement, and that, with the
exception of (1) the Amended and Restated Certificate of Incorporation of the Borrower filed with
the Office of the Secretary of State of the State of Delaware on October 6, 2009, the current
By-Laws of the Borrower, and the Certificate of Ownership and Merger Merging ISO Investment
Holdings, Inc., a Delaware corporation, into the Borrower filed with the Office of the Secretary of
State of the State of Delaware on June 30, 2010, each of which is attached to a Certificate of
Insurance Services Office, Inc., as to Existence, Authorization and Incumbency dated of even date
herewith and delivered as of the date hereof to the Administrative Agent, and (2) the Amended and
Restated Certificate of Incorporation of Verisk Analytics filed with the Office of the Secretary of
State of the State of Delaware on October 6, 2009, which has been previously delivered to the
Administrative Agent, none of the corporate governing documents of the Borrower or the Guarantors
have been amended, modified or supplemented since the date of the execution and delivery of the
Credit Agreement; and (iv) represent and warrant that the Borrower and the Guarantors have taken
all necessary action required by law and by their respective corporate governing documents to
execute and deliver this Fourth Amendment and that such execution and delivery constitutes the
legal and validly binding action of such entities.

     5. No Novation. It is the intention of the parties hereto that this Fourth Amendment
shall not constitute a novation.

     6. Additional Documents; Further Assurances. The Borrower and the Guarantors hereby
covenant and agree to execute and deliver to the Administrative Agent, on behalf of the Lenders, or
to

[FOURTH AMENDMENT AND

MODIFICATION AGREEMENT]

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cause to be executed and delivered to the Administrative Agent, on behalf of the Lenders,
contemporaneously herewith, at their sole cost and expense, any other documents, agreements,
statements, resolutions, certificates, opinions, consents, searches and information as the
Administrative Agent or any Lender may reasonably request in connection with the matters or actions
described herein. The Borrower and the Guarantors hereby further covenant and agree to execute and
deliver to the Administrative Agent, on behalf of the Lenders, or to use reasonable efforts to
cause to be executed and delivered to the Administrative Agent, on behalf of the Lenders, at the
sole cost and expense of the Borrower and the Guarantors, from time to time, any and all other
documents, agreements, statements, certificates and information as the Administrative Agent or any
Lender shall reasonably request to evidence or effect the terms of the Credit Agreement, the
Guaranties, and/or any of the other Loan Documents. All such documents, agreements, statements,
etc., shall be in form and content reasonably acceptable to the Administrative Agent and the
Lenders.

     7. Waiver, Release and Indemnification by the Borrower and the Guarantors. To induce
the Administrative Agent and the Lenders to enter into this Fourth Amendment, the Borrower and the
Guarantors, and any person or entity claiming by or through any or all of them, each waives and
releases and forever discharges the Administrative Agent and the Lenders and their respective
officers, directors, shareholders, agents, parent corporation, subsidiaries, affiliates, trustees,
administrators, attorneys, predecessors, successors and assigns and the heirs, executors,
administrators, successors and assigns of any such person or entity, as releasees (hereinafter
collectively referred to as the “Releasees”) from any liability, damage (whether direct or
indirect, consequential, special, exemplary, or punitive), claim (including, without limitation,
any claim for contribution or indemnity), loss or expense of any kind, in each case whether now
known or unknown, past or present, asserted or unasserted, contingent or liquidated, at law or in
equity, that it may have against any Releasee arising from the beginning of time to the date hereof
arising out of or relating to the Credit Facility. The Borrower and the Guarantors each further
agrees to indemnify and hold the Releasees harmless from any loss, damage, judgment, liability or
expense (including attorneys’ fees) suffered by or rendered against the Administrative Agent or any
Lender on account of any claims of third parties arising out of or relating to the Credit Facility.
The Borrower and the Guarantors each further states that it has carefully read the foregoing
release and indemnity, knows the contents thereof and grants the same as its own free act and deed.

     8. Status of Parties. The relationship between the Administrative Agent and the
Lenders, on the one hand, and the Borrower, on the other hand, is solely that of administrative
agent and lenders, on the one hand, and borrower, on the other hand. Neither the Administrative
Agent nor the Lenders have any fiduciary or other special relationship with or duty to the Borrower
and none is created by the Loan Documents. Nothing contained in the Loan Documents, and no action
taken or omitted pursuant to the Loan Documents, is intended or shall be construed to create any
partnership, joint venture, association, or special relationship between the Borrower, on the one
hand, and the Administrative Agent and the Lenders, on the other hand, or in any way make the
Administrative Agent or any Lender a co-principal with the Borrower. In no event shall the
Administrative Agent’s or any Lender’s rights and interests under the Loan Documents be construed
to give the Administrative Agent or any Lender the right to control, or be deemed to indicate that
the Administrative Agent or any Lender is in control of, the business, properties, management or
operations of the Borrower.

     9. Fees, Costs, Expenses and Expenditures. The Borrower shall pay all of the
Administrative Agent’s and the Lenders’ reasonable costs and expenses in connection with this
Fourth Amendment, including, without limitation, the reasonable fees and disbursements of the
Administrative Agent’s and the Lenders’ legal counsel.

[FOURTH AMENDMENT AND

MODIFICATION AGREEMENT]

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     10. No Waiver. Nothing contained in this Fourth Amendment constitutes an agreement or
obligation by the Administrative Agent or the Lenders to grant any further amendments to any of the
Loan Documents, as amended and modified hereby, and, except as expressly set forth and contained in
Paragraph 1 of this Fourth Amendment, nothing contained herein constitutes a waiver or
release by the Administrative Agent or any Lender of any rights or remedies available to the
Administrative Agent or any Lender under the Loan Documents, as amended and modified hereby, at law
or in equity.

     11. Inconsistencies. To the extent of any inconsistency between the terms,
conditions, and provisions of this Fourth Amendment and the terms, conditions, and provisions of
the Credit Agreement, the Notes, the Guaranties, and all other Loan Documents, the terms,
conditions, and provisions of this Fourth Amendment shall govern and control. All terms,
conditions, and provisions of the Credit Agreement, the Notes, the Guaranties, and all other Loan
Documents not inconsistent herewith shall remain in full force and effect and are hereby ratified
and confirmed by each party hereto.

     12. Binding Effect; Governing Law. This Fourth Amendment shall be binding upon and
inure to the benefit of the parties hereto and their respective successors and/or assigns. This
Fourth Amendment shall be governed by and construed in accordance with the laws of the State of New
York.

     13. WAIVER OF JURY TRIAL. EACH PARTY HERETO HEREBY IRREVOCABLY WAIVES, TO THE FULLEST
EXTENT PERMITTED BY APPLICABLE LAW, ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN ANY LEGAL
PROCEEDING DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS FOURTH AMENDMENT OR THE
TRANSACTIONS CONTEMPLATED HEREBY OR THEREBY (WHETHER BASED ON CONTRACT, TORT OR ANY OTHER THEORY).
EACH PARTY HERETO (A) CERTIFIES THAT NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PERSON HAS
REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PERSON WOULD NOT, IN THE EVENT OF LITIGATION,
SEEK TO ENFORCE THE FOREGOING WAIVER AND (B) ACKNOWLEDGES THAT IT AND THE OTHER PARTIES HERETO HAVE
BEEN INDUCED TO ENTER INTO THIS FOURTH AMENDMENT AND THE OTHER LOAN DOCUMENTS BY, AMONG OTHER
THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS PARAGRAPH 13.

     14. Headings. The headings of the Articles, Sections, paragraphs and clauses of this
Fourth Amendment are inserted for convenience only and shall not be deemed to constitute a part of
this Fourth Amendment.

     15. Counterparts. This Fourth Amendment may be executed in any number of
counterparts, each of which, when taken together, shall be deemed one and the same instrument.

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[FOURTH AMENDMENT AND

MODIFICATION AGREEMENT]

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     IN WITNESS WHEREOF, the Administrative Agent, the Lenders, the Borrower, and the Guarantors
have duly executed and delivered this Fourth Amendment, all as of the day and year first written
above.

	 	 	 	 	 	 	 	 	 	 	 	 	 

	 	 	 	 	BORROWER:
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	ATTEST:	 	INSURANCE SERVICES OFFICE, INC., as the Borrower
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	By:

	 	/s/ Kenneth E. Thompson	 	By:	 	/s/ Mark V. Anquillare	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 
	 	 	Kenneth E. Thompson	 	 	 	Mark V. Anquillare	 	 	 	 
	 	 	Secretary	 	 	 	Executive Vice President and	 	 
	 	 	 	 	 	 	Chief Financial Officer	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	GUARANTORS:
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	ATTEST:	 	ISO CLAIMS SERVICES, INC., a Delaware corporation
	 	 	 	 	AIR WORLDWIDE CORPORATION, a Delaware corporation
	 	 	 	 	ISO SERVICES, INC., a Delaware corporation
	 	 	 	 	XACTWARE SOLUTIONS, INC., a Delaware corporation
	 	 	 	 	INTERTHINX, INC., a California corporation
	 	 	 	 	VERISK HEALTH, INC., a Massachusetts corporation
	 	 	 	 	D2HAWKEYE, INC., a Delaware corporation
	 	 	 	 	VERISK ANALYTICS, INC., a Delaware corporation
	 	 	 	 	ISO STAFF SERVICES, INC., a Delaware corporation
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	By:

	 	/s/ Kenneth E. Thompson	 	By:	 	/s/ Mark V. Anquillare	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 
	 	 	Kenneth E. Thompson	 	 	 	Mark V. Anquillare	 	 	 	 
	 	 	Secretary	 	 	 	Vice President of ISO Claims Services, Inc.,	 	 	 	 
	 	 	 	 	 	 	 	 	AIR Worldwide Corporation,	 	 
	 	 	 	 	 	 	 	 	ISO Services, Inc.,	 	 
	 	 	 	 	 	 	 	 	Xactware Solutions, Inc., and
Interthinx, Inc.	 	 
	 	 	 	 	 	 	 	 	ISO Staff Services, Inc.	 	 
	 	 	 	 	 	 	Vice President and Chief Financial Officer of
Verisk Health, Inc.
	 	 	 	 	 	 	Vice President and Treasurer of D2Hawkeye, Inc.
	 	 	 	 	 	 	Executive Vice President and Chief Financial Officer of Verisk Analytics,
Inc.

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[FOURTH AMENDMENT AND

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	 	ADMINISTRATIVE AGENT:

BANK OF AMERICA, N.A.

 	 
	 	By:  	/s/ Roberto Salazar	 
	 	 	Name:  	Roberto Salazar	 
	 	 	Title:  	Vice President	 
	 
	 	LENDERS:

BANK OF AMERICA, N.A., as a Lender, L/C Issuer, and

Swing Line Lender

 	 
	 	By:  	/s/ William T. Franey	 
	 	 	William T. Franey 	 
	 	 	Senior Vice President 	 
	 
	 	JPMORGAN CHASE BANK, N.A.

 	 
	 	By:  	/s/ Michelle Cipriani	 
	 	 	Name:  	Michelle Cipriani	 
	 	 	Title:  	Vice President	 
	 
	 	MORGAN STANLEY BANK, N.A.

 	 
	 	By:  	 	 
	 	 	Name:  	 	 
	 	 	Title:  	 	 
	 
	 	

WELLS FARGO BANK, N.A.

 	 
	 	By:  	/s/ Denis Waltrich	 
	 	 	Name:  	Denis Waltrich	 
	 	 	Title:  	Vice President	 
	 

[FOURTH AMENDMENT AND

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	 	SUNTRUST BANK

 	 
	 	By:  	 	 
	 	 	Name:  	 	 
	 	 	Title:  	 	 
	 
	 	SOVEREIGN BANK

 	 
	 	By:  	 	 
	 	 	Name:  	 	 
	 	 	Title:  	 	 
	 
	 	RBS CITIZENS, N.A.

 	 
	 	By:  	/s/ Paul Darrigo	 
	 	 	Name:  	Paul Darrigo	 
	 	 	Title:  	Senior Vice President	 
	 
	 	THE NORTHERN TRUST COMPANY

 	 
	 	By:  	/s/ Peter J. Hallan	 
	 	 	Name:  	Peter J. Hallan	 
	 	 	Title:  	Vice President	 
	 

[END OF SIGNATURES]

[FOURTH AMENDMENT AND

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