[Section 5.16(g)] of the Warrant is hereby amended and restated in its entirety as follows:

[Section 5.13(a)] of the Existing Credit Agreement is hereby amended by adding the parenthetical “(without giving effect to the increased maximum Consolidated Net Leverage Ratio levels permitted during the Covenant Relief Period set forth in [Section 9.11(b)])” immediately following the reference to “[Section 9.11]” in proviso # of such Section.

[Section 5.01(g)] of the Credit Agreement is hereby amended by adding the words “non-delinquent” before the word “premiums” in clause (iii) thereof.

[Section 5.6] of the Credit Agreement is hereby amended to read in its entirety as follows:

[Section 5.02] (Conditions Precedent to All Loans). [Section 5.02] of the Financing Agreement is hereby amended by inserting a new clause (e) to read as follows:

Clauses 5.5, 5.7 and 5.8 are intended to benefit Fairfax Financial Holdings Inc. and each such Clause shall be enforceable by such entity to the fullest extent permitted by law, subject to the other terms and conditions of this Agreement.

[Section 5.2(f)] of the Credit Agreement shall be deleted in its entirety.

[Section 5.5] of the CSA is hereby deleted in its entirety and replaced with the following:

[Section 5.2(d)] of the Loan Agreement is hereby amended and restated as follows:

[Section 5.7] is amended by adding a new [Section 5.7(c)] at the end thereof as follows: