← TWFG, Inc.

AMENDED AND RESTATED CREDIT AGREEMENT

When the limit steps, and which way the company's ratio has been moving.

3.44x1.52x-0.40x

Signed Aug 12, 2026

Committed
$125m
Matures
Aug 2031
Agent
PNC Bank, National Association
TrancheSizeMaturesMargin
Revolving credit facility$125mAug 2031175–275 bps

Priced over Term SOFR, floor 0 bps (Revolving credit facility).

LevelConditionMarginUnused fee
Level ILess than or equal to 1.00 to 1.0n/an/a
Level IIGreater than 1.0 to 1.0 but less than or equal to 1.50 to 1.0n/an/a
Level IIIGreater than 1.50 to 1.0 but less than or equal to 2.0 to 1.0n/an/a
Level IVGreater than 2.00 to 1.0 but less than or equal to 2.50 to 1.0n/an/a
Level VGreater than 2.50 to 1.0n/an/a
Level Less than or equal to 1.00 to 1.0175 bps20 bps
Level Greater than 1.0 to 1.0 but less than or equal to 1.50 to 1.0200 bps25 bps
Level Greater than 1.50 to 1.0 but less than or equal to 2.0 to 1.0225 bps30 bps
Level Greater than 2.00 to 1.0 but less than or equal to 2.50 to 1.0250 bps35 bps
Level Greater than 2.50 to 1.0275 bpsn/a

Lenders: PNC CAPITAL MARKETS LLC

Tested quarterly98.7%ratio 0.04x, estimated, vs 3.00x limit in force at Jun 30, 20263.00x
Permit at any time the Consolidated Leverage Ratio, calculated as of the end of each fiscal quarter for the four fiscal quarters then ended, to exceed 3.00 to 1.00.
Read the filing on sec.gov ↗
Tested quarterlyHeadroom not yet measured1.25x
Permit the Consolidated Debt Service Coverage Ratio, calculated as of the end of each fiscal quarter for the four fiscal quarters then ended, to be less than 1.25 to 1.00.
Read the filing on sec.gov ↗

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