Document:

Exhibit 4.1

 

Exhibit 4.1

First Supplemental Indenture

     FIRST
SUPPLEMENTAL INDENTURE (the “Supplemental Indenture”),
dated as of January 13, 2006,
between Fidelity National Financial, Inc., a Delaware corporation (the “Company”) and The Bank of
New York, a New York banking corporation (the “Trustee”).

     WHEREAS, pursuant to the Indenture dated as of August 20, 2001, between the Company and the
Trustee (the “Base Indenture”), as amended by the certificates of Executive Vice President and
Chief Financial Officer and Vice President and Assistant Corporate Secretary dated as of August 20,
2001 and March 11, 2003 (the “Officers’ Certificates”); the Base Indenture as amended by the
relevant Officers’ Certificate in respect of each series of Securities (as defined below), the
“Original Indenture”; and the Original Indenture as amended hereby, the “Indenture,” the Company
issued its 7.30% Notes due August 15, 2011 in the aggregate principal amount of $250,000,000 (CUSIP
No. 316326ac1) and its 5.25% Notes due March 15, 2013 in the aggregate principal amount of
$250,000,000 (CUSIP No. 316326ad9) (the “Securities”);

     WHEREAS, the Company is party to a Separation Agreement with Fidelity National Title Group,
Inc. (“FNT”) whereby FNT agreed to conduct exchange offers in which FNT would offer to exchange
newly-issued notes of FNT for the Securities;

     WHEREAS, in connection with such exchange offers and in accordance with Section 8.2 of the
Original Indenture, the Company seeks to obtain the consent of the holders of a majority of the
aggregate principal amount of each series of the outstanding Securities to amend the Original
Indenture, and this Supplemental Indenture shall not become effective unless and until the
conditions of Section 5 hereof are satisfied;

     NOW, THEREFORE, for and in consideration of the premises, it is mutually covenanted and agreed
for the benefit of all holders of the Securities as follows:

     Section 1. (a)(i) The definition of “Bankruptcy Law” set forth in Section 1.1 of the
Original Indenture is hereby deleted in its entirety.

     (ii) The definition of “Consolidated Net Tangible Assets” set forth in Section 1.1 of the
Original Indenture is hereby deleted in its entirety.

     (iii) The definition of “Excluded Debt” set forth in Section 1.1 of the Original Indenture is
hereby deleted in its entirety.

     (iv) The definition of “Restricted Subsidiary” set forth in Section 1.1 of the Original
Indenture is hereby deleted in its entirety.

     (v) The definition of “Secured Debt” set forth in Section 1.1 of the Original Indenture is
hereby deleted in its entirety.

 

     (b) Section 5.1 of the Original Indenture is hereby amended by replacing the entirety of the
text of each of clauses (4), (5), (6) and (7) thereof with the words “Intentionally omitted.”

     (c) Article 7 of the Original Indenture is hereby amended by replacing the entirety of the
text thereof, including the entirety of the text of each of Sections 7.1 and 7.2 thereof, with the
words: “Intentionally omitted.”

     (d) Section 9.4 of the Original Indenture is hereby amended by replacing the entirety of the
text thereof with the words: “Intentionally omitted.”

     (e) Section 9.5 of the Original Indenture is hereby amended by replacing the entirety of the
text thereof with the words: “Intentionally omitted.”

     (f) Section 9.8 of the Original Indenture is hereby amended by replacing the entirety of the
text thereof with the words: “Intentionally omitted.”

     (g) Section 9.9 of the Original Indenture is hereby amended by replacing the entirety of the
text thereof with the words: “Intentionally omitted.”

     (h) Section 9.10 of the Original Indenture is hereby amended by replacing the entirety of the
text thereof with the words: “Intentionally omitted.”

     Section 2. For the avoidance of doubt, the rights of the holders of each series of Securities
are modified by this Supplemental Indenture, the provisions of which shall be controlling in the
event of any conflict between such provisions and any provisions set forth in the Securities of any
series. Without limiting the foregoing, notwithstanding anything to the contrary set forth in
Section 9 of the Securities of either series, the only Events of Default with respect to such
Securities are those set forth in Sections 5.1(1), (2) and (3) of the Indenture.

     Section 3. The Indenture, supplemented as hereinabove set forth, is in all respects ratified
and confirmed, and the terms and conditions thereof, supplemented as hereinabove set forth, shall
be and remain in full force and effect.

     Section 4. The recitals contained in this Supplemental Indenture shall be taken as the
statements of the Company, and the Trustee shall have no liability or responsibility for their
correctness. The Trustee makes no representations as to the validity or sufficiency of this
Supplemental Indenture.

     Section 5. This Supplemental Indenture shall become effective with respect to each series of
the Securities upon, and simultaneously with, the consummation of the exchange offer in connection
with that series (which shall occur upon the execution, authentication and delivery of newly issued
notes of FNT in exchange for Securities of that series), and is subject to the condition that the
Company has received consents sufficient to amend the Original Indenture pursuant to the terms of
Section 8.2 thereof in connection with such exchange offer and that such consents have not been
revoked before the expiration of such exchange offer.

 

     Section 6. THIS SUPPLEMENTAL INDENTURE SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE
WITH, THE LAWS OF THE STATE OF NEW YORK WITHOUT GIVING EFFECT TO APPLICABLE PRINCIPLES OF CONFLICTS
OF LAW TO THE EXTENT THAT THE APPLICATION OF THE LAWS OF ANOTHER JURISDICTION WOULD BE REQUIRED
THEREBY.

     Section 7. This Supplemental Indenture may be signed in any number of counterparts, each of
which shall be an original, with the same effect as if the signatures thereto and hereto were upon
the same instrument.

     Section 8. Capitalized terms used but not otherwise defined herein have the meanings assigned
to them in the Original Indenture.

[Remainder of page intentionally left blank]

 

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

	 	 	 	 	 	 	 	 	 
	 	 	 	 	FIDELITY NATIONAL FINANCIAL, INC.  
	 
	 	 	 	 	 	 	 	 
	 

	 	 	 	By:	 	/s/ Alan L. Stinson	 	 
	 

	 	 	 	 	 	 	 	 
	 

	 	 	 	 	 	Name: Alan L. Stinson	 	 
	 

	 	 	 	 	 	Title: Executive Vice President and Chief Financial Officer	 	 
	 
	 	 	 	 	 	 	 	 
	Attest:

	 		 	THE BANK OF NEW YORK	 
	 
	 	 	 	 	 	 	 	 
	/s/
Todd C. Johnson	 	By:	 	/s/ Van K. Brown	 	 
	 

	 	 	 	 	 	 	 	 
	Name:
	 	Todd C. Johnson	 	 	 	Name: Van K. Brown	 	 
	Title:
	 	 Senior Vice President and Corporate Secretary	 	 	 	Title: Vice PresidentExhibit 10.1

 

Exhibit 10.1

FIDELITY NATIONAL TITLE GROUP, INC.

MIRROR NOTE

Dated: January 18, 2006

New York, New York

          Section 1. General. FIDELITY NATIONAL TITLE GROUP, INC., a Delaware corporation (the
“Company”), for value received, hereby promises to pay to FIDELITY NATIONAL FINANCIAL,
INC., a Delaware corporation (the “Holder”) on August 15, 2011, the principal amount of
Eight Million, Six Hundred Fifty-Three Thousand U.S. dollars ($8,653,000) together with simple
interest (calculated on the basis of a 360-day year of twelve 30-day months) on such principal
amount from and after August 15, 2005 at the rate of 7.30% per annum, such interest payable
semi-annually in arrears on February 15 and August 15 of each year, starting February 15, 2006. If
any such date when payment of principal or interest is due is not a Business Day (as defined
below), then such payment shall be made on the next succeeding Business Day, and no additional
interest shall accrue on such unpaid amount during the period of delay. Payment of both interest
and principal is to be made at such place as the Holder shall designate in writing, by wire
transfer or check, at the Holder’s option, in immediately available funds.

          Section 2. Corresponding Obligation. This Mirror Note is intended to mirror the terms
of the Holder’s 7.30% notes due August 15, 2011 (Cusip No. 31632AC1) (the “FNF Notes”)
issued pursuant to the Indenture, dated as of August 20, 2001, by and between the Holder and the
Bank of New York (the “Indenture”). Terms used herein and not otherwise defined shall have
the meanings ascribed to them in the Indenture.

          Section 3. Redemption.

          (a) Mandatory Redemption. Upon redemption by the Holder of all or any portion of the
FNF Notes pursuant to Section 6 of the FNF Notes and Article X of the Indenture, the Company shall
redeem all or, as the case may be, a portion of this Mirror Note in an amount equal to the
principal amount of the FNF Notes to be redeemed, at a redemption price (the “Mirror Note
Redemption Price”) equal to the Redemption Price (as defined in Section 6 of the FNF Notes, which
for the avoidance of doubt includes accrued and unpaid interest to the date of redemption) paid by
the Holder to redeem the FNF Notes. The Mirror Note Redemption Price shall be paid at or prior to
9:30 a.m., New York City time, on the Redemption Date. Upon such payment, the principal amount of
the Mirror Note so redeemed shall cease to be outstanding and no further interest shall accrue with
respect to such portion.

          (b) Optional Redemption. The Company may elect to redeem this Mirror Note, at any
time in whole or from time to time in part, as specified in this Section 3(b). Such redemption
shall only be permitted if the Company delivers to the Holder FNF Notes in a principal amount equal
to the principal amount of this Mirror Note to be redeemed. No prior

 

 

notice of such redemption need be given. Upon delivery of such FNF Notes, an equal principal
amount of this Mirror Note shall cease to be outstanding and no further interest shall accrue with
respect to such portion. No interest accrued on this Mirror Note from the last interest payment
date hereunder to the date of redemption will be payable by the Company except to the extent that
following such redemption, interest in respect of such period remains payable by the Holder to any
holder of an FNF Note. Upon any such redemption, the Holder shall immediately retire any FNF Notes
so received from the Company.

Section 4. Mirror Note Events of Default.

(a) For purposes of this Mirror Note, a “Mirror Note Event of Default” shall be deemed to have
occurred upon:

	 	(i)	 	any failure by the Company to pay all or any portion of an
interest payment on this Mirror Note when due and payable in accordance with
the terms hereof, which failure continues un-remedied for a period of 10 days,
or any failure to pay all or any portion of the principal amount of this Mirror
Note when due and payable in accordance with the terms hereof;
	 
	 	(ii)	 	(A) the filing by the Company of a voluntary petition seeking
liquidation, reorganization, arrangement or readjustment, in any form, of its
debts under Title 11 of the United States Code (or corresponding provisions of
future laws) or any other applicable bankruptcy, insolvency or similar law, or
the filing by the Company of an answer consenting to or acquiescing in any such
petition, (B) the making by the Company of any assignment for the benefit of
its creditors, or the admission by the Company in writing of its inability to
pay its debts as they become due, (C) the filing of (x) an involuntary petition
against the Company under Title 11 of the United States Code, or any other
applicable bankruptcy, insolvency or similar law (or corresponding provisions
of future laws), (y) an application for the appointment of a custodian,
receiver, trustee or other similar official for the Company for all or a
substantial part of the assets of the Company or (z) an involuntary petition
against the Company seeking liquidation, winding up, reorganization,
arrangement, adjustment, protection, relief or composition of the Company or
any of the Company’s debts under any other federal or state insolvency law,
provided that any such filing shall not have been vacated, set aside or stayed
within a 45 day period from the date thereof, or (D) the entry against the
Company of a final and nonappealable order for relief under any bankruptcy,
insolvency or similar law now or hereafter in effect; or
	 
	 	(iii)	 	any acceleration under the Indenture of the payment of the
principal amount of any FNF Notes as the result of any “Event of Default” under
the FNF Notes.

(b) Upon the occurrence and during the continuance of any Mirror Note Event of Default
described in Section 4(a)(i), the Holder may, by written notice to the Company,

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delivered at its headquarters in care of the Chief Financial Officer, declare all or any
portion of the unpaid principal amount of this Mirror Note, together with accrued interest thereon,
to be immediately due and payable. Upon the occurrence of any Mirror Note Event of Default
described in Section 4(a)(ii) or 4(a)(iii), the unpaid principal amount of this Mirror Note,
together with accrued interest thereon, shall automatically become due and payable, without any
action or notice by the Holder; provided that, with respect to any Mirror Note Event of
Default described in Section 4(a)(iii), if the acceleration of the FNF Notes is rescinded, the
acceleration of the Mirror Notes shall be automatically rescinded. Demand, presentment, protest
and notice of non-payment are hereby waived by the Company.

          Section 5. Remedies Cumulative. No failure to exercise or delay in exercising any
right, remedy, power or privilege hereunder shall operate as a waiver thereof, nor shall any single
or partial exercise of any right, remedy, power or privilege hereunder preclude any other or
further exercise thereof or the exercise of any other right, remedy, power or privilege. The
rights, remedies, powers and privileges provided herein are cumulative and not exclusive of any
rights, remedies, powers and privileges provided by law.

          Section 6. Severability. If any provision of this Mirror Note is invalid or
unenforceable in any jurisdiction, the other provisions hereof shall remain in full force and
effect in such jurisdiction and the remaining provisions hereof shall be liberally construed in
favor of the Holder in order to effectuate the provisions hereof and the invalidity of any
provision hereof in any jurisdiction shall not affect the validity or enforceability of any other
provision in any other jurisdiction.

          Section 7. Successors and Assigns. This Mirror Note shall not be assignable by the
Company (other than in a merger or by operation of law) without the prior written consent of the
Holder. Subject to the foregoing, this Mirror Note shall be binding upon the Company and its
successors and assigns.

          Section 8. Replacement of Note. Upon receipt of evidence reasonably satisfactory to
the Company of the loss, theft, destruction or mutilation of this Mirror Note, and the Company’s
receipt of an indemnity agreement of the Holder reasonably satisfactory to the Company, the Company
will, at the expense of the Holder, execute and deliver, in lieu thereof, a new note of like terms.

          Section 9. No Personal Liability. No director, officer, employee, incorporator,
member or equity holder of the Company, as such, shall have any liability for any obligations of
the Company under this Mirror Note or for any claim based on, in respect of, or by reason of, such
obligations or their creation. By accepting this Mirror Note, the Holder waives and releases all
such liability. This waiver and release are part of the consideration for issuance of this Mirror
Note.

          Section 10. Descriptive Headings. The descriptive headings of this Mirror Note are
inserted for convenience only and do not constitute a part of this Mirror Note.

          Section 11. Choice of Law. THIS MIRROR NOTE IS TO BE GOVERNED BY AND CONSTRUED IN
ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT GIVING EFFECT TO THE PRINCIPLES
OF CONFLICTS OF LAW THEREOF.

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IN WITNESS WHEREOF, the Company has caused this Mirror Note to be executed as of the date
first written above.

	 	 	 	 	 
	 	 	FIDELITY NATIONAL TITLE GROUP, INC.
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Anthony J. Park
	 

	 	 	 	 
	 

	 	 	 	Name: Anthony J. Park

	 

	 	 	 	Title: Chief Financial Officer

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