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Exhibit 10.7    
    

        Ref. No. 2003-015-02  

 ADDENDUM NO. 2
  ATTACHED TO AND FORMING A PART OF

THE REINSURANCE AGREEMENT 

between

SAFETY
INSURANCE COMPANY

SAFETY INDEMNITY INSURANCE COMPANY

(hereinafter called the "Company") 

and

THE
HARTFORD STEAM BOILER INSPECTION AND INSURANCE COMPANY

(hereinafter called the "Reinsurer") 

PROFIT SHARING PLAN  

        The following Profit Sharing plan has been developed to provide additional incentives for the production of profitable Equipment Breakdown insurance. It is
understood and agreed that the following provisions for Profit Sharing Commission will be in effect from January 1,2007 through December 31, 2009, or until such date as the Reinsurance
Agreement to which this Addendum is attached is terminated, whichever is earlier. 

        The
Reinsurer shall pay to the Company a Profit Sharing Commission on business covered under this Agreement for each Accounting Period defined herein in which the sum of Incurred Losses
for business covered hereunder and Loss Carry Forward, if any, is less than the Plan Losses, in accordance with the provisions of this Addendum. 

        "Incurred
Losses" as used herein shall mean ceded losses paid during the Accounting Period, plus the ceded reserves for losses outstanding at the end of the period, minus the ceded
reserves for losses outstanding at the beginning of the period, plus Loss Adjustment Expenses computed at 4% of Premiums Earned during the Accounting Period. Said losses shall be determined according
to records from the Reinsurer's claim system. 

        "Plan
Losses" as used herein shall mean the amount calculated by multiplying the Premiums Earned for the Accounting Period by the Plan Loss Ratio of 52%. 

        "Premiums
Earned" as used herein shall mean the Company's Reinsurance Premiums ceded during the Accounting Period, plus the unearned Reinsurance Premiums at the beginning of the period,
less the unearned Reinsurance Premiums at the end of the period. Said premiums shall be determined according to records from the Company's premium system. 

        "Accounting
Period" shall mean a twelve month period. The first Accounting Period shall be from January 1,2007 through December 31, 2007, and each subsequent twelve month
period shall be a separate Accounting Period. However, if this Agreement is terminated, the final Accounting Period shall be from the beginning of the then current Accounting Period through twelve
months from the date of termination if this Agreement is terminated on a "cutoff" basis, or twelve months from the end of the runoff period if this Agreement is terminated on a "runoff" basis. 

        The
Profit Sharing calculation for each Accounting Period shall be as follows: 

	A.
	Total
of Plan Losses for the Accounting Period; less

	B.
	Total
of Incurred Losses for the Accounting Period; less 

2

 
	C.
	Loss
Carry Forward, if any, from the immediately preceding Accounting Period. 

        If
the Profit Sharing calculation results in a positive balance, (i.e., the total of the Incurred Losses and Loss Carry Forward is less than the Plan Losses), the Profit Sharing
Commission for the Accounting Period shall be 40% of the positive balance. If the Profit Sharing calculation results in a negative balance, (i.e., the total of the Incurred Losses and Loss Carry
Forward is greater than the Plan Losses), no Profit Sharing Commission shall be payable for the Accounting Period, and the difference shall be carried forward to the next Accounting Period as the Loss
Carry Forward. 

        Except
as provided in the next paragraph, the Reinsurer shall calculate and report the Reinsurer's Incurred Losses and Profit Sharing Commission, if any, for each Accounting Period
within 90 days after the end of the Accounting Period. The Reinsurer shall pay any Profit Sharing Commission shown to be due the Company as promptly as possible after receipt and verification
of the Reinsurer's report. 

        In
the event of termination of the Reinsurance Agreement, the Reinsurer shall calculate and report the Reinsurer's Incurred Losses and Profit Sharing Commission, if any, within
45 days after the end of the final Accounting Period. The Reinsurer shall pay any Profit Sharing Commission shown to be due the Company as promptly as possible after receipt and verification of
the Reinsurer's report. 

        At
its discretion, the Reinsurer may offset any amount of Profit Sharing Commission payable under this Addendum against any balance or balances owed to the Reinsurer by the Company. 

        IN
WITNESS WHEREOF, the parties hereto have caused this Addendum to be executed in duplicate in Boston, Massachusetts, this 15 of January, 2007. 

	 	 	SAFETY INSURANCE COMPANY

SAFETY INDEMNITY INSURANCE COMPANY
	

 	
 	

By:	
 	

/s/  EDWARD N. PATRICK, JR.      

	

 	
 	

Attest:	
 	

/s/  JAMES BERRY      

and
in Hartford Connecticut, this 8th day of January , 2007. 

	 	 	THE HARTFORD STEAM BOILER INSPECTION AND INSURANCE COMPANY
	

 	
 	

By:	
 	

/s/  W. MACKAY HECKLES      
 W MacKay Heckles, Senior Vice President and Chief Reinsurance Officer
	

 	
 	

By:	
 	

/s/  JEFFREY P. WATT      
 Jeffrey P Watt, Senior Vice President

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Exhibit 10.7QuickLinks
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Exhibit 10.1    
    

 
  THIRD AMENDMENT TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT    
    

        THIS THIRD AMENDMENT TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT (the "Agreement") is made and entered into
as of this 14th day of September 2007, by and between SUNTRUST BANK, in its capacity as Administrative Agent, Issuing Bank and Swingline Lender for the Lenders (as such terms are defined
below), WATSON WYATT & COMPANY, a Delaware corporation (the "Borrower") and the several banks and other financial institutions and lenders party hereto. 

 
 

RECITALS    
    

        A.    Pursuant
to that certain Amended and Restated Revolving Credit Agreement dated as of July 11, 2005, by and between the Borrower, the financial institutions and
lenders party thereto (the "Lenders"), SunTrust Bank, in its capacity as administrative agent for the Lenders (the "Administrative Agent"), as issuing lender (the "Issuing Lender") and as swingline
lender (the "Swingline Lender") (as amended pursuant to that certain Amendment to Credit Agreement dated September 30, 2005 and that certain Amendment to Credit Agreement dated as of
June 30, 2007, the "Credit Agreement"), the Lenders have agreed to make Revolving Loans from time to time in a principal amount of up to $300,000,000. Capitalized terms not otherwise defined
herein shall have the meanings given such terms in the Credit Agreement. 

        B.    The
Borrower has requested that the Lenders make certain amendments to the Credit Agreement. 

        C.    The
Lenders are willing to make certain amendments to the Credit Agreement on the terms and conditions set forth herein. 

 
 

AGREEMENT    
    

        In consideration of the Recitals and of the mutual promises and covenants contained herein, the Administrative Agent, Issuing Bank, Swingline Lender, Lenders
party hereto and the Borrower agree as follows: 

        1.    Amendment to Credit Agreement.    

        (a)    Deletions from Section 1.1 (Definitions).    The following definitions are deleted from the Credit
Agreement: Adjusted Tangible Net Worth, Adjusted Tangible Net Worth Baseline and Consolidated Tangible Net Worth. 

        (b)    Amendment to the Definition of Foreign Currency Sublimit.    The definition of the term "Foreign Currency
Sublimit" in Section 1.1 of the Credit Agreement is amended in its entirety to read as follows: 

        "Foreign Currency Sublimit" shall mean the Dollar Equivalent of $100,000,000, as such amount may be reduced from time to time pursuant to
the terms of this Agreement. 

        (c)    Definition of Permitted Investments.    Clauses (viii) and (ix) of the definition of the term
"Permitted Investments" in Section 1.1 of the Credit Agreement are each amended in their respective entireties to read as follows: 

        (viii) investments
in Professional Consultants Insurance Company, Inc. or any other captive insurance company that secures professional liability insurance for the
members of the Consolidated Group as long as, as of the date of any such investment and after giving effect thereto and any Indebtedness incurred in connection therewith, the Borrower shall be in 

1

 

compliance
with the covenants contained in Article 6 on a pro forma basis for the four (4) fiscal quarter period then most recently ended (assuming that the incurrence or assumption of
any Indebtedness in connection therewith occurred on the first day of such period and to the extent such Indebtedness bears interest at a floating rate, using the rate in effect at the time of
calculation for the entire period of calculation); and 

        (ix)  investments
in connection with the Watson Wyatt LLP Business Transfer Agreement and investments for the purposes of management of excess cash in other
high-quality money market and high-quality debt obligations. 

        (d)    Section 6.03 (Minimum Net Worth).    Section 6.03 is deleted from the Credit Agreement. 

        (e)    Amendment to Section 7.1 (Indebtedness and Preferred Equity).    Clauses (c), (f) and
(i) of Section 7.1 of the Credit Agreement are amended in their respective entireties to read as follows: 

        (c)   Indebtedness
of any member of the Consolidated Group incurred to finance the acquisition, construction or improvement of any fixed or capital assets, including Capital
Lease Obligations, and any Indebtedness assumed in connection with the acquisition of any such assets or secured by a Lien on any such assets prior to the acquisition thereof; provided, that such
Indebtedness is incurred prior to or within 90 days after such acquisition or the completion of such construction or improvements or extensions, renewals, and replacements of any such
Indebtedness that do not increase the outstanding principal amount thereof (immediately prior to giving effect to such extension, renewal or replacement) or shorten the maturity or the weighted
average life thereof; provided further, that the sum of the aggregate outstanding principal amount of such Indebtedness plus the aggregate outstanding principal amount of the other Indebtedness
secured by Liens incurred under the permissions of Section 7.2(b)(ii) does not exceed an aggregate amount equal to $25,000,000 at any time; 

...

        (f)    Indebtedness
of any Person which becomes a Subsidiary after the date of this Agreement; provided, that (i) such Indebtedness exists at the time that such Person
becomes a Subsidiary and is not created in contemplation of or in connection with such Person becoming a Subsidiary and (ii) as of the date that
any such Person becomes a Subsidiary and after giving effect to any such Indebtedness, the Borrower shall be in compliance with the covenants contained in Article 6 on a pro forma basis for the
four (4) fiscal quarter period then most recently ended (assuming that the Indebtedness was incurred on the first day of such period and to the extent such Indebtedness bears interest at a
floating rate, using the rate in effect at the time of calculation for the entire period of calculation); 

...

        (i)    other
unsecured Indebtedness of the Borrower or its Subsidiaries as long as, as of the date of the incurrence of such Indebtedness, the Borrower shall be in compliance
with the covenants contained in Article 6 on a pro forma basis for the four (4) fiscal quarter period then most recently ended (assuming that the Indebtedness was incurred on the first
day of such period and to the extent such Indebtedness bears interest at a floating rate, using the rate in effect at the time of calculation for the entire period of calculation); and 

        (f)    Amendment to Section 7.2 (Negative Pledge).    Clause (b) of Section 7.2 of the Credit
Agreement is amended in its entirety to read as follows: 

        (b)   any
(i) Liens created pursuant to the Loan Documents and (ii) Liens, in addition to the other Liens permitted by this Section 7.2, as long as the
sum of the aggregate outstanding principal amount of any Indebtedness secured by the Liens permitted by this clause (ii) plus the aggregate outstanding principal amount of the Indebtedness
secured by Liens incurred under the permissions 

2

 

of
clause (d) of this Section 7.2 does not at any time exceed $25,000,000 and the aggregate book value of the property encumbered by the Liens permitted by this clause (ii) shall
not exceed $25,000,000; 

        (g)    Amendment to Section 7.4 (Investments, Loans, Etc.).    Clauses (e) and (i) of
Section 7.4 of the Credit Agreement are amended in their respective entireties to read as follows: 

        (e)   Investments
in addition to those permitted by Section 7.4(d) made by the Borrower in or to any Subsidiary and by any Subsidiary to the Borrower or in or to
another Subsidiary; provided, that as of the date of any such investment and after giving effect thereto and to any Indebtedness incurred in connection therewith, the Borrower shall be in compliance
with the covenants contained in Article 6 on a pro forma basis for the four (4) fiscal quarter period then most recently ended (assuming that the Indebtedness was incurred on the first
day of such period and to the extent such Indebtedness bears interest at a floating rate, using the rate in effect at the time of calculation for the entire period of calculation); 

...

        (i)    Other
investments as long as, as of the date of any such investment and after giving effect thereto and to any Indebtedness incurred in connection therewith, the
Borrower shall be in compliance with the covenants contained in Article 6 on a pro forma basis for the four (4) fiscal quarter period then most recently ended (assuming that the
Indebtedness was incurred on the first day of such period and to the extent such Indebtedness bears interest at a floating rate, using the rate in effect at the time of calculation for the entire
period of calculation); and 

        (h)    Amendment to Section 7.6 (Sale of Assets).    Clause (c) of Section 7.6 of the Credit
Agreement is amended in its entirety to read as follows: 

        (c)   the
sale or other disposition of assets in addition to those permitted by the other provisions of this section as long as: (i) as of the date of any such sale and
after giving effect thereto no Default nor any Event of Default shall exist or would result therefrom; and (ii) as of each Fiscal Quarter end, the aggregate book value of all assets sold or
otherwise disposed of under the permissions of this clause (c) during the four Fiscal Quarter period then ended, shall not exceed an amount equal to 15% of the consolidated total assets of the
Consolidated Group as reflected on the Consolidated Group's consolidated balance sheet prepared as of such Fiscal Quarter end. 

        (i)    Amendment to Section 8.1 (Events of Default).    Clauses (j) and (k) of Section 8.1
of the Credit Agreement are amended in their respective entireties to read as follows: 

        (j)    an
ERISA Event shall have occurred that, in the opinion of the Required Lenders, when taken together with other ERISA Events that have occurred, could reasonably be
expected to have a Material Adverse Effect; or 

        (k)   any
judgment or order for the payment of money shall be rendered against any member of the Consolidated Group that, in the opinion of the Required Lenders, when taken
together with other events that have occurred, could reasonably be expected to have a Material Adverse Effect, and either (i) enforcement proceedings shall have been commenced by an creditor
upon such judgment or order or (ii) there shall be a period of 30 consecutive days during which a stay of enforcement of such judgment or order, by reason of a pending appeal or otherwise,
shall not be in effect; or 

3

 

        2.    Representations and Warranties.    The Borrower hereby represents and warrants to the
Lenders as follows: 

        (a)    Corporate Power; Authorization.    The Borrower has the corporate power, and has been
duly authorized by all requisite corporate action, to execute and deliver this Agreement and to perform its obligations hereunder. This Agreement has been duly executed and delivered by the Borrower. 

        (b)    Enforceability.    This Agreement is the legal, valid and binding obligation of the
Borrower, enforceable against the Borrower in accordance with its terms. 

        (c)    No Violation.    The Borrower's execution, delivery and performance of this Agreement
do not and will not (i) violate any law, rule, regulation or court order to which the Borrower is subject; (ii) conflict with or result in a breach of the Borrower's Articles of
Incorporation or Bylaws or any agreement or instrument to which the Borrower is party or by which it or its properties are bound, or (iii) result in the creation or imposition of any lien,
security interest or encumbrance on any property of the Borrower, whether now owned or hereafter acquired, other than liens in favor of the Lenders. 

        (d)    Obligations Absolute.    The obligation of the Borrower to repay the Revolving Loans,
together with all interest accrued thereon, is absolute and unconditional, and there exists no right of set off or recoupment, counterclaim or defense of any nature whatsoever to payment of the
Obligations. 

        (e)    No Default.    No Default nor any Event of Default has occurred and is continuing and
the representations and warranties set forth in the Loan Documents are true and correct on and as of the date hereof with the same effect as though made on and as of such date except with respect to
any representations and warranties limited by their terms to a specific date. 

        3.    Effect and Construction of Agreement.    Except as expressly provided herein, the Credit
Agreement and the Loan Documents shall remain in full force and effect in accordance with their respective terms, and this Agreement shall not be construed to: 

        (i)    waive
or impair any rights, powers or remedies of the Administrative Agent or the Lenders under the Credit Agreement and the other Loan Documents; or 

        (ii)   constitute
an agreement by the Lenders or require the Lenders to waive additional defaults or make further amendments to the Credit Agreement. 

In
the event of any inconsistency between the terms of this Agreement and the Credit Agreement or any of the other Loan Documents, this Agreement shall govern. Except as expressly modified and
superseded by this Agreement, the terms and provisions of the Credit Agreement and the other Loan Documents are ratified and confirmed and shall continue in full force and effect. Borrower agrees that
the Credit Agreement as amended hereby and the other Loan Documents shall continue to be legal, valid, binding and enforceable in accordance with their respective terms. The Borrower acknowledges that
it has consulted with counsel and with such other experts and advisors as it has deemed necessary in connection with the negotiation, execution and delivery of this Agreement. This Agreement shall be
construed without regard to any presumption or rule requiring that it be construed against the party causing this Agreement or any part hereof to be drafted. 

        4.    Miscellaneous.    

        (a)    Further Assurance.    The Borrower agrees to execute such other and further documents
and instruments as the Lenders may request to implement the provisions of this Agreement. 

        (b)    Benefit of Agreement.    This Agreement shall be binding upon and inure to the benefit
of and be enforceable by the parties hereto, their respective successors and assigns. No other person 

4

 

or
entity shall be entitled to claim any right or benefit hereunder, including, without limitation, the status of a third-party beneficiary of this Agreement. 

        (c)    Integration.    This Agreement, together with the Credit Agreement, and the other Loan
Documents, constitutes the entire agreement and understanding among the parties relating to the subject matter hereof, and supersedes all prior proposals, negotiations, agreements and understandings
relating to such subject matter. In entering into this Agreement, the Borrower acknowledges that it is relying on no statement, representation, warranty, covenant or agreement of any kind made by the
Lenders or any employee or agent of the Lenders, except for the agreements of the Lenders set forth herein. 

        (d)    Severability.    The provisions of this Agreement are intended to be severable. If any
provisions of this Agreement shall be held invalid or unenforceable in whole or in part in any jurisdiction, such provision shall, as to such jurisdiction, be ineffective to the extent of such
invalidity or enforceability without in any manner affecting the validity of enforceability of such provision in any other jurisdiction or the remaining provisions of this Agreement in any
jurisdiction. 

        (e)    Governing Law.    This Agreement shall be governed by and construed in accordance with
the internal substantive laws of the State of New York, without regard to the choice of law principles of such state
that would defer to the substantive laws of another jurisdiction. This governing law election and the governing law election in the other Loan Documents has been made by the parties in reliance (at
least in part) on Section 5-1401 of the General Obligations Law of the State of New York, as amended (as and to the extent applicable), and other applicable law. 

        (f)    Counterparts; Telecopied Signatures.    This Agreement may be executed in any number of
counterparts and by different parties to this Agreement on separate counterparts, each of which, when so executed, shall be deemed an original, but all such counterparts shall constitute one and the
same agreement. Any signature delivered by a party by facsimile or other electronic transmission shall be deemed to be an original signature hereto. 

        (g)    Notices.    Any notices with respect to this Agreement shall be given in the manner
provided for in Section 10.1 of the Credit Agreement. 

        (h)    Amendment.    No amendment, modification, rescission, waiver or release of any
provision of this Agreement shall be effective unless the same shall be in writing and signed by the parties hereto. 

        (i)    Reference to Agreement.    Each of the Loan Documents, including the Credit Agreement
and any and all other agreements, documents, or instruments now or hereafter executed and delivered pursuant to the terms hereof or pursuant to the terms of the Credit Agreement as amended hereby, are
hereby amended so that any reference in such Loan Documents to the Credit Agreement shall mean a reference to the Credit Agreement as amended hereby. 

        (j)    Required Lenders.    Pursuant to Section 10.2 of the Credit Agreement, the
Credit Agreement may be modified as provided in this Agreement with the agreement of the Required Lenders which means Lenders holding more than (a) 50% of the Revolving Commitments or
(b) if the Revolving Commitments have been terminated, 50% of the Revolving Credit Exposure (such percentage applicable to a Lender, herein such Lender's "Required
Lender Percentage"). For purposes of determining the effectiveness of this Agreement, each Lender's Required Lender Percentage is set forth on  Schedule 4(j)hereto.

5

  

        IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the day and year first above written. 

	 	 	SUNTRUST BANK, as Administrative Agent, as Issuing Lender, as a Lender and as the Swingline Lender
	

 	
 	

By:	

/s/  VAN BUREN KNICK II,      
 Van Buren Knick II, Director
	

 	
 	
WATSON WYATT & COMPANY
	

 	
 	

By:	

/s/  MICHAEL J. O'BOYLE      
 Michael J. O'Boyle, Treasurer

6

 

	 	 	US BANK, NATIONAL ASSOCIATION
	

 	
 	

By:	

/s/  FRANCES W. JOEPHIC      

	 	 	 	Name: Frances W. Josephic
	 	 	 	Title: Vice President

US Bank, N.A.

7

 

	 	 	COMERICA BANK
	

 	
 	

By:	

/s/  SARAH R. WEST      

	 	 	 	Name: Sarah R. West
	 	 	 	Title: Assistant Vice President

8

 

	 	 	MANUFACTURERS AND TRADERS TRUST COMPANY
	

 	
 	

By:	

/s/  HUMBERTO M. SALOMON      

	 	 	 	Name: Humberto M. Salomon
	 	 	 	Title: Vice President

9

 

	 	 	HSBC BANK USA, NA
	

 	
 	

By:	

/s/  JEFFREY M. HENRY      

	 	 	 	Name: Jeffrey M. Henry
	 	 	 	Title: Vice President

10

 

	 	 	COMMERZBANK AG, NEW YORK AND GRAND CAYMAN BRANCHES
	

 	
 	

By:	

	 	 	 	Name:
	 	 	 	Title:
	

 	
 	

By:	

	 	 	 	Name:
	 	 	 	Title:

11

 

	 	 	SUMITOMO MITSUI BANKING CORPORATION
	

 	
 	

By:	

/s/  DAVID A. BUCK      

	 	 	 	Name: David A. Buck
	 	 	 	Title: Senior Vice President

12

 

	 	 	NATIONAL CITY BANK
	

 	
 	

By:	

	 	 	 	Name:
	 	 	 	Title:

13

 

	 	 	MIZUHO CORPORATE BANK, LTD.
	

 	
 	

By:	

/s/  MAKOTO MURATA      

	 	 	 	Name: Makoto Murata
	 	 	 	Title: Deputy General Manager

14

 

	 	 	THE NORINCHUKIN BANK, NEW YORK BRANCH
	

 	
 	

By:	

	 	 	 	Name:
	 	 	 	Title:

15

 
 
 

ACKNOWLEDGEMENT, CONSENT AND RATIFICATION    
    

        Each of the undersigned: (i) consent and agree to this Agreement; and (ii) agree that the Loan Documents to which it is a party shall remain in full
force and effect and shall continue to be the legal, valid and binding obligation of such party enforceable against it in accordance with their respective terms. 

	 	 	WATSON WYATT WORLDWIDE, INC. (formerly Watson Wyatt & Company Holdings)

WATSON WYATT INSURANCE CONSULTING, INC.

WYATT DATA SERVICES, INC.

WATSON WYATT INTERNATIONAL, INC.
	

 	
 	

By:	

/s/  MICHAEL J. O'BOYLE      
 Michael J. O'Boyle, Treasurer of each Company
	

 	
 	

WATSON WYATT INVESTMENT CONSULTING, INC.
	

 	
 	

By:	

/s/  BRIAN E. HERSEY      

	 	 	 	Name: Brian E. Hersey
	 	 	 	Title: Treasurer

16

 
 

Schedule 4(j)
  To
  Third Amendment to Amended and Restated Credit Agreement    

 
 

Required Lenders

 
 

REQUIRED LENDER PERCENTAGE    

	Lender
 
	 	Revolving

Commitment
	 	Required Lender

Percentage Held
	 	Lenders Agreeing to Agreement

(insert % from prior column if Lender

signs this Agreement then total

percentages in this column)
	 
	SunTrust Bank	 	$	55,000,000	 	18.333333333	%	18.333333333	%
	US Bank, National Association	 	$	35,000,000	 	11.666666667	%	11.666666667	%
	Comerica Bank	 	$	35,000,000	 	11.666666667	%	11.666666667	%
	Manufacturers and Traders Trust Company	 	$	35,000,000	 	11.666666667	%	11.666666667	%
	HSBC Bank USA, NA	 	$	35,000,000	 	11.666666667	%	11.666666667	%
	Commerzbank AG, New York and rand Cayman Branches	 	$	25,000,000	 	8.333333333	%	 	 
	Summitomo Mitsui Banking Corporation	 	$	25,000,000	 	8.333333333	%	8.333333333	%
	National City Bank	 	$	20,000,000	 	6.666666667	%	 	 
	Mizuho Corporate Bank, Ltd.	 	$	20,000,000	 	6.666666667	%	6.666666667	%
	The Norinchukin Bank, New York Branch	 	$	15,000,000	 	5.000000000	%	 	 
	TOTAL	 	$	300,000,000.00	 	100.00	%	80.00	%

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Exhibit 10.1

THIRD AMENDMENT TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT

RECITALS

AGREEMENT

ACKNOWLEDGEMENT, CONSENT AND RATIFICATION

Schedule 4(j) To Third Amendment to Amended and Restated Credit Agreement

Required Lenders

REQUIRED LENDER PERCENTAGE

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