Direct Digital Holdings Inc. – Credit Agreements Watch

from 8-K 10 pages Thirteenth Amendment to Term Loan and Security Agreement

from 8-K 5 pages Reference Hereby Is Made to (I) That Certain Term Loan and Security Agreement, Dated as of December 3, 2021 (As Has Been and May Hereafter Be Amended, Modified or Supplemented, the “Loan Agreement”), by and Among Direct Digital Holdings, LLC, a Texas Limited Liability Company (“Ddh”, Together With Any Person Joined as a Party Thereto as a “Borrower” in Accordance With Section 6.12 Thereof, and All of Their Respective Permitted Successors and Assigns, the “Borrowers”), the Guarantors Party Thereto (Together With the Borrowers, the “Credit Parties” and Each a “Credit Party”), the Financial Institutions From Time to Time Party Thereto (Each a “Lender” and Collectively, the “Lenders”), and Lafayette Square Loan Servicing, LLC, as Agent for the Lenders (In Such Capacity, Together With Its Successors and Assigns in Such Capacity, the “Agent”), and (II) That Certain Twelfth Amendment and Waiver to Term Loan and Security Agreement, Dated as of May 15, 2026, by and Among the Credit Parties, Agent and the Lenders Party Thereto (The “Twelfth Amendment”). Capitalized Terms Used Herein but Not Specifically Defined Herein Shall Have the Meanings Ascribed to Them in the Loan Agreement

from 8-K 9 pages Twelfth Amendment and Waiver to Term Loan and Security Agreement

from 8-K 12 pages Eleventh Amendment and Waiver to Term Loan and Security Agreement

from 8-K 6 pages October 28, 2025 Lafayette Square Loan Servicing, LLC Lafayette Square USA, Inc. Po Box 25250 Pmb 13941 Miami, Florida 33102-5250 Attention: Susan Golden

from 8-K 11 pages Tenth Amendment to Term Loan and Security Agreement

from 8-K 5 pages October 14, 2025 Lafayette Square Loan Servicing, LLC Lafayette Square USA, Inc. Po Box 25250 Pmb 13941 Miami, Florida 33102-5250 Attention: Susan Golden

from 8-K 20 pages Ninth Amendment and Waiver to Term Loan and Security Agreement

from 8-K 10 pages Eighth Amendment and Waiver to Term Loan and Security Agreement

from 8-K 5 pages Lafayette Square Loan Servicing, LLC Lafayette Square USA, Inc. Po Box 25250 Pmb 13941 Miami, Florida 33102-5250 Attention: Susan Golden

from 8-K 170 pages Seventh Amendment to Term Loan and Security Agreement

from 10-Q 6 pages Sixth Amendment to Credit Agreement

from 10-Q 6 pages Fifth Amendment to Credit Agreement

from 8-K 6 pages Fifth Amendment to Credit Agreement

from 8-K 175 pages Sixth Amendment and Waiver to Term Loan and Security Agreement

from 8-K 69 pages Waiver and Fourth Amendment to Credit Agreement

from 10-Q 80 pages Third Amendment to Credit Agreement

from 10-Q 192 pages Fifth Amendment to Term Loan and Security Agreement

from 8-K 5 pages Second Amendment to Credit Agreement

from 8-K 156 pages Fourth Amendment to Term Loan and Security Agreement