On January 10, 2013, Torchmark Corp., its subsidiary TMK Re, Ltd., Wells Fargo Bank, National Association and the other lenders party thereto entered into an amendment to the Credit Agreement dated as of December 10, 2010, among Torchmark, as Borrower, TMK, as a Loan Party, Wells Fargo, as Administrative Agent, Swing Line Lender, L/C Issuer and L/C Administrator and the other lenders listed therein. Such amendment, the Second Amendment to Credit Agreement, dated as of January 10, 2013, among Torchmark as Borrower, TMK, the lenders listed on the signature pages thereof as Lenders and Wells Fargo, as Administrative Agent, provides that notice for a base rate borrowing under the Credit Agreement may be given on the same business day of any borrowing of a base rate loan.