Execution Version CREDIT AGREEMENT dated as of May 4, 2026 by and among ROOT, INC., as Holdings, CARET HOLDINGS, INC., as the Borrower, THE LENDERS FROM TIME TO TIME PARTY HERETO and THE HUNTINGTON NATIONAL BANK, as Administrative Agent | | | | | | | | Page | | --- | --- | --- | --- | --- | | ARTICLE | I - | DEFINITIONS; | CONSTRUCTION | 1 | | Section | 1.1. | Definitions | | 1 | | Section | 1.2. | Classifications of Loans | and Borrowings | 42 | | Section | 1.3. | Accounting Terms and | Determination | 42 ...