Item 1.01.  Entry into a Material Definitive Agreement.
On January 15, 2021, an indirect subsidiary of Wintrust Financial Corporation
("Wintrust"), First Insurance Funding of Canada Inc. ("First Canada) entered
into the Ninth Amending Agreement, dated as of January 15, 2021 (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, 2022 and the decrease of
used fee from 0.82% to 0.80%. 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 January 15, 2021, 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 January 15, 2021 ("Amendment of Fee
Letter") replaces the fee letter dated January 15, 2020 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 9.01. Financial Statements and Exhibits.



(d) Exhibits
Exhibit No.                Description
        10.1                 Ninth     Amending Agreement, dated as of     January 15, 2021     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

January 15, 2021


                             by Wintrust Financial Corporation in favor of

CIBC Mellon Trust Company,


                           Plaza Trust.
        10.3                 Fee Letter dated as of     January 15, 2021

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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--------------------------------------------------------------------------------


                                   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: January 20, 2021


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