Item 1.01. Entry into a Material Definitive Agreement.



On May 2, 2022, an indirect subsidiary of Wintrust Financial Corporation
("Wintrust"), First Insurance Funding of Canada Inc. ("First Canada) entered
into the Tenth Amending Agreement, dated as of May 2, 2022 (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, 2023 and certain other definitions in Section 1.1 of the Receivables Purchase Agreement have been modified. 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 2, 2022, 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 May 2, 2022 ("Amendment of Fee Letter") replaces the fee letter dated January 15, 2021 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.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits



                                       2

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Exhibit No.                Description
        10.1                 Tenth     Amending Agreement, dated as of     May 2, 2022     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     May 2, 2022     by
                           Wintrust Financial Corporation in favor of CIBC Mellon Trust Company,
                           Plaza Trust.
        10.3                 Fee Letter dated as of     May 2, 2022     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.
                           Cover Page Interactive Data File (embedded

within the Inline XBRL


        104                document)

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