SEC Contract Filing

Filing Date: 2021-03-25

Document Content:
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>tm2110871d1_ex10-1.htm
<DESCRIPTION>EXHIBIT 10.1
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B>Exhibit 10.1</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-weight: normal"><I>Execution Version</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0.5in">SECOND AMENDMENT TO AMENDED
AND RESTATED CREDIT AGREEMENT</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">THIS SECOND AMENDMENT TO AMENDED
AND RESTATED CREDIT AGREEMENT (the &ldquo;<B><I>Second Amendment</I></B>&rdquo; or this &ldquo;<B><I>Amendment</I></B>&rdquo;), dated
effective as of March&nbsp;23, 2021, is entered into by and among STEWART INFORMATION SERVICES CORPORATION, a Delaware corporation (the
 &ldquo;<B><I>Borrower</I></B>&rdquo;), each of the entities listed on the signature pages hereof as guarantors (the &ldquo;<B><I>Guarantors</I></B>&rdquo;)
and BBVA USA, f/k/a COMPASS BANK, N.A., as administrative agent (the &ldquo;<B><I>Administrative Agent</I></B>&rdquo;) for the lenders
to the Credit Agreement referred to below (the &ldquo;<B><I>Lenders</I></B>&rdquo;) and the Lenders party hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">PRELIMINARY STATEMENT</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, the Borrower,
the Guarantors, the Administrative Agent and the Lenders entered into that certain Amended and Restated Credit Agreement dated as of November
9, 2018 (as amended by that certain First Amendment to Amended and Restated Credit Agreement dated May 7, 2020 and as may be further amended
from time to time, the &ldquo;<B><I>Credit Agreement</I></B>&rdquo;), pursuant to which the Lenders agreed to make available to the Borrower
a revolving credit commitment. All capitalized terms used in this Amendment and not otherwise defined herein shall have the meanings ascribed
to such terms in the Credit Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, Citizens Bank,
N.A., Fifth Third Bank, National Association and Regions Bank each desire to join the Credit Agreement as a Lender (each, a &ldquo;<B><I>New
Lender</I></B>&rdquo; and collectively, the &ldquo;<B><I>New Lenders</I></B>&rdquo;); and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, the Borrower
has now asked the Lenders to amend certain provisions of the Credit Agreement; and</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, the Lenders
are willing do so subject to the terms and conditions set forth herein, <U>provided</U> that the Borrower and Guarantors ratify and confirm
all of their respective obligations under the Credit Agreement and the Loan Documents;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>NOW, THEREFORE,</B> in
consideration of the premises and further valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties
hereto agree as follows:</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">1. <U>Amendment</U>. As of
the Second Amendment Effective Date, the Credit Agreement is amended as follows:</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a) The cover page and the preamble
of the Credit Agreement are hereby amended to show Citizens Bank, N.A., Fifth Third Bank, National Association, Regions Bank, IberiaBank,
a division of First Horizon Bank and Zions Bancorporation, N.A. dba Amegy Bank as Co-Documentation Agents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b) The following definitions
in <U>Section 1.01</U> of the Credit Agreement are hereby amended and restated in their entirety as follows:</P>

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