79 unchanged sentences
(incorporated by reference to Exhibit 10.2 to the Company’s Quarterly Report on Form 10-Q filed with the Securities and Exchange Commission on November 4, 2021).
−Removed: 10.4 Amended and Restated S hared Services Agreement, dated February 1, 2024, between Enact Holdings, Inc.
+Added: 10.4 Amended and Restated Shared Services Agreement, dated February 1, 2024, between Enact Holdings, Inc.
and Genworth Financial, Inc.
12 unchanged sentences
and the Bayview entities listed therein (incorporated by reference to Exhibit 10.21 to the Company’s Annual Report on Form 10-K filed with the Securities and Exchange Commission on February 28, 2022).
−Removed: 10.10+ Enact Holdings, Inc.
−Removed: Senior Executive Severance Plan (incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed with the Securities and Exchange Commission on February 17, 2022).
10.10 Performance Stock Unit and Restricted Stock Unit Agreements (incorporated by reference to Exhibit 10.3 to the Company’s Quarterly Report on Form 10-Q filed with the Securities and Exchange Commission on May 5, 2022).
10.11 Investment Management and Services Agreement between Enact Mortgage Insurance Corporation and Genworth North America Corporation (incorporated by reference to Exhibit 10.4 to the Company’s Quarterly Report on Form 10-Q filed with the Securities and Exchange Commission on May 5, 2022).
−Removed: 10.13 Credit Agreement, dated June 30, 2022, among Enact Holdings, Inc., JPMorgan Chase Bank, N.A., as administrative agent, and the other lenders and agents party thereto (incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed with the Securities and Exchange Commission on July 7, 2022).
−Removed: 10.14+ Enact Holdings, Inc.
−Removed: Change of Control Severance Plan (incorporated by reference to Exhibit 10.2 to the Company’s Quarterly Report on Form 10-Q filed with the Securities and Exchange Commission on August 4, 2022).
−Removed: 10.15 Amended Director Deferred Stock Unit Agreement (incorporated by reference to Exhibit 10.
−Removed: 15 to the Company’s Annual Report on Form 10-K filed with the Securities and Exchange Commission on February 29, 2024).
−Removed: 10.16 Share Repurchase Agreement, dated November 1, 2022, by and between Enact Holdings, Inc.
−Removed: and Genworth Holdings, Inc.
−Removed: (incorporated by reference to Exhibit 10.1 to the Company’s Quarterly Report on Form 10-Q filed with the Securities and Exchange Commission on November 3, 2022).
−Removed: 10.17+ Amended and Restated Genworth Financial, Inc.
−Removed: 2015 Key Employee Severance Plan (incorporated by reference to Exhibit 10.6 to the Quarterly Report on Form 10-Q of Genworth Financial, Inc.
−Removed: for the period ended June 30, 2019).
−Removed: 10.18+ Amended and Restated Genworth Financial, Inc.
−Removed: 2014 Change of Control Plan (incorporated by reference to Exhibit 10.5 to the Quarterly Report on Form 10-Q of Genworth Financial, Inc.
−Removed: for the period ended June 30, 2019).
+Added: 10.12 Amended Director Deferred Stock Unit Agreement (incorporated by reference to Exhibit 10.15 to the Company’s Annual Report on Form 10-K filed with the Securities and Exchange Commission on February 29, 2024).
10.13+ First Amendment to the Enact Holdings, Inc.
2021 Omnibus Incentive Plan (incorporated by reference to Exhibit 10.23 to the Company’s Annual Report on Form 10-K filed with the Securities and Exchange Commission on February 28, 2023).
−Removed: Share Repurchase Agreement, dated August 1, 2023, by and between Enact Holdings, Inc.
+Added: 10.14 Credit Agreement, dated September 30, 2025, among Enact Holdings, JPMorgan Chase Bank, N.A., as administrative agent, and the other lenders and agents party thereto (incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed with the Securities and Exchange Commission on October 1, 2025).
+Added: 10.15 Share Repurchase Agreement, dated April 2 8 , 202 5 , by and between Enact Holdings, Inc.
and Genworth Holdings, Inc.
−Removed: (incorporated by reference to Exhibit 10.1 to the Company’s Quarterly Report on Form 10-Q filed with the Securities and Exchange Commission on August 4, 2023).
−Removed: Form of 2023-2025 Performance Stock Unit Agreement under the Enact Holdings, Inc.
−Removed: 2021 Omnibus Incentive Plan (incorporated by reference to Exhibit 10.25 to the Company’s Annual Report on Form 10-K filed with the Securities and Exchange Commission on February 28, 2023).
−Removed: Form of 2023-2025 Restricted Stock Unit Agreements under the Enact Holdings, Inc.
−Removed: 2021 Omnibus Incentive Plan (incorporated by reference to Exhibit 10.26 to the Company’s Annual Report on Form 10-K filed with the Securities and Exchange Commission on February 28, 2023).
−Removed: 10.23 Share Repurchase Agreement, dated May 1, 2024, by and between Enact Holdings, Inc.
+Added: (incorporated by reference to Exhibit 10.
+Added: 1 to the Company’s Quarterly Report on Form 10-Q filed with the Securities and Exchange Commission on May 2 , 202 5 ).
+Added: 10.16* Form of 2026-2028 Performance Stock Unit Award Agreement under the Enact Holdings, Inc.
+Added: 2021 Omnibus Incentive Plan
+Added: 10.17* Form of 2026-2028 Restricted Stock Unit Award Agreements under the Enact Holdings, Inc.
+Added: 2021 Omnibus Incentive Plan
+Added: 10.18+ Amended and Restated Enact Holdings, Inc.
+Added: Change of Control Severance Plan
+Added: 10.19+ Amended and Restated Enact Holdings, Inc.
+Added: Senior Executive Severance Plan
+Added: 10.20 Share Repurchase Agreement, dated February 2, 2026, by and between Enact Holdings, Inc.
and Genworth Holdings, Inc.
−Removed: (incorporated by reference to Exhibit 10.3 to the Company’s Quarterly Report on Form 10-Q filed with the Securities and Exchange Commission on May 3 , 2024).
+Added: (incorporated by reference to Exhibit 99.4 to the Company’s Current Report on Form 8-K filed with the Securities and Exchange Commission on February 3, 2026).
Employee insider trading policy
19.2 Enact Holdings, Inc.
−Removed: insider trading policy
+Added: policy related to open market securities repurchases and compliance with insider trading securities laws (incorporated by reference to Exhibit 19.2 to the Company’s Annual Report on Form 10-K filed with the Securities and Exchange Commission on February 28, 2025) .
21* List of subsidiaries of Enact Holdings, Inc.
8 unchanged sentences
Incentive-Based Compensation Recovery Policy (incorporated by reference to Exhibit 97 to the Company’s Annual Report on Form 10-K filed with the Securities and Exchange Commission on February 29, 2024).
−Removed: 101.INS* Inline XBRL Instance Document
−Removed: 101.SCH* Inline XBRL Taxonomy Extension Schema Document
−Removed: 101.CAL* Inline XBRL Taxonomy Extension Calculation Linkbase Document
−Removed: 101.DEF* Inline XBRL Taxonomy Extension Definition Linkbase Document
−Removed: 101.LAB* Inline XBRL Taxonomy Extension Label Linkbase Document
−Removed: 101.PRE* Inline XBRL Taxonomy Extension Presentation Linkbase Document
+Added: Inline XBRL Instance Document
+Added: Inline XBRL Taxonomy Extension Schema Document
+Added: Inline XBRL Taxonomy Extension Calculation Linkbase Document
+Added: Inline XBRL Taxonomy Extension Definition Linkbase Document
+Added: Inline XBRL Taxonomy Extension Label Linkbase Document
+Added: Inline XBRL Taxonomy Extension Presentation Linkbase Document
The cover page for the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, has been formatted in Inline XBRL
2 unchanged sentences
** Furnished herewith
+Added: † Pursuant to Item 601(a)(5) of Regulation S-K, schedules and similar attachments to this exhibit have been omitted because they do not contain information material to an investment or voting decision and such information is not otherwise disclosed in such exhibit.
+Added: The Company will supplementally provide a copy of any omitted schedule or similar attachment to the U.S.
+Added: Securities and Exchange Commission or its staff upon request.
Form 10-K Summary
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* Director February 27, 2026
+Added: Elizabeth Mitchell
* Director February 27, 2026
4 unchanged sentences
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.