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 5.05] is hereby amended and restated in its entirety to read as follows:

[Sections 5.04(a), 5.04(c), 5.05 and 5.13]3]3]3] of the Existing Credit Agreement are hereby amended by replacing references to “December 31, 2015” with “December 31, 2016”.

[Section 5.15] of the Existing Credit Agreement is hereby amended and restated in its entirety as follows:

[Section 5.7(a)] is replaced in its entirety to read as follows:

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

[Section 5.7] of the Agreement is hereby deleted in its entirety for the purposes of this Amendment and replaced with the following provision: “Buyer Loan shall have priority over Seller Loan.”