Item 1.01. Entry into a Material Definitive Agreement.




On May 20, 2020, an indirect subsidiary of Wintrust Financial Corporation
("Wintrust"), First Insurance Funding of Canada Inc. ("First Canada) entered
into the Eighth Amending Agreement, dated as of May 20, 2020 (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 facility limit has been increased from $320
million to $420 million. In addition, the Amendment includes technical and
ministerial changes.
Additionally, pursuant to a Performance Guarantee dated as of December 16, 2014,
and confirmed as of May 20, 2020, made by Wintrust in favor of Plaza Trust,
Wintrust guarantees the performance of First Canada of its obligations under the
Receivables Purchase Agreement ("Sixth Amendment of Performance Guarantee") and
any subsequent amendments thereto.
Lastly, a Fee Letter by Plaza Trust dated May 20, 2020 replaces the fee letter
dated January 15, 2020 ("Amendment of Fee Letter") and modifies the fund costs,
rates, notices and fees.
The foregoing descriptions of the Amendment, Sixth 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.

Item 9.01. Financial Statements and Exhibits.





(d) Exhibits
Exhibit No.   Description
   10.1         Eighth Amending Agreement, dated as of May 20, 2020 by and
              between First Insurance Funding of Canada Inc. and CIBC Mellon
              Trust, 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 May 20, 2020 by
              Wintrust Financial Corporation in favor of CIBC Mellon Trust
              Company, Plaza Trust.
   10.3         Fee Letter dated as of May 20, 2020 by CIBC Mellon Trust, 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.
              Cover Page Interactive Data File (embedded within the Inline XBRL
    104       document)




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                                   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, General Counsel and Corporate Secretary


Date: May 26, 2020



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