Wintrust Financial Corp 8-K Filing

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Key Financial Figures

• $650 million — d the facility limit has decreased from $650 million to $580 million. The Amendment also inc
• $580 million — imit has decreased from $650 million to $580 million. The Amendment also includes technical

Filing Documents

• wtfc-20251215.htm (8-K) — 32KB
• a101thirteenthamendingagre.htm (EX-10.1) — 19KB
• a102performanceguaranteede.htm (EX-10.2) — 7KB
• a103firstinsurancefeelette.htm (EX-10.3) — 43KB
• 0001015328-25-000213.txt ( ) — 267KB
• wtfc-20251215.xsd (EX-101.SCH) — 2KB
• wtfc-20251215_def.xml (EX-101.DEF) — 15KB
• wtfc-20251215_lab.xml (EX-101.LAB) — 27KB
• wtfc-20251215_pre.xml (EX-101.PRE) — 16KB
• wtfc-20251215_htm.xml (XML) — 4KB

01. Entry into a Material Definitive Agreement

Item 1.01. Entry into a Material Definitive Agreement. On December 15, 2025, an indirect subsidiary of Wintrust Financial Corporation ("Wintrust"), First Insurance Funding of Canada Inc. ("First Canada) entered into the Thirteenth Amending Agreement, dated as of December 15, 2025 (the "Amendment") to the Receivables Purchase Agreement dated as of December 16, 2014 (as amended, the "Receivables Purchase Agreement") by and between First Canada and CIBC Mellon Trust Company, in its capacity as trustee of Plaza Trust ("Plaza Trust"), by its financial services agent, Royal Bank of Canada. Pursuant to the Amendment, the Commitment Maturity Date of the Receivables Purchase Agreement has been extended to December 15, 2026 and the facility limit has decreased from $650 million to $580 million. The Amendment also includes technical and ministerial changes. Additionally, pursuant to a Performance Guarantee dated as of December 16, 2014, and confirmed as of December 15, 2025, made by Wintrust in favor of Plaza Trust ("Amendment of Performance Guarantee"), Wintrust guarantees the performance of First Canada of its obligations under the Receivables Purchase Agreement and any subsequent amendments thereto. Lastly, a Fee Letter by Plaza Trust dated December 15, 2025 ("Amendment of Fee Letter") replaces the fee letter dated August 29, 2024 and modifies the fund costs, rates, notices and fees. The foregoing descriptions of the Amendment, Amendment of Performance Guarantee, and Amendment of Fee Letter are qualified in their entirety by the full text of such agreements, which are attached hereto as Exhibits 10.1, 10.2, and 10.3, respectively, and are incorporated herein by reference. Item 2.03. Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information provided in Item 1.01 is incorporated by reference herein.

01. Financial Statements and Exhibits

Item 9.01. Financial Statements and Exhibits. (d) Exhibits Exhibit No. Description 10.1 Thirtee nth Amending Agreement, dated as of December 15, 2025 by and between First Insurance Funding of Canada Inc. and CIBC Mellon Trust Company, in its capacity as trustee of Plaza Trust, by its Financial Service Agent, Royal Bank of Canada. 10.2 Performance Guarantee Confirmation made as of December 15, 2025 by Wintrust Financial Corporation in favor of CIBC Mellon Trust Company, Plaza Trust. 10.3 Fee Letter dated as of December 15, 2025 by CIBC Mellon Trust Company, in its capacity as trustee of Plaza Trust, by its Financial Service Agent, Royal Bank of Canada and acknowledged by First Insurance Funding of Canada Inc. 104 Cover Page Interactive Data File (embedded within the Inline XBRL document) Schedules have been omitted pursuant to Item 601(b)(2) of Regulation S-K. Wintrust agrees to furnish supplementally a copy of any omitted schedules or exhibits to the Securities and Exchange Commission upon request. Signature Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. WINTRUST FINANCIAL CORPORATION (Registrant) By: /s/Kathleen M. Boege Kathleen M. Boege Executive Vice President, Chief Legal Officer and Corporate Secretary Date: December 17, 2025

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