Material Agreement (Form 8-K)

ABL Credit Facility

On July 17, 2026, SPCIF Funding I LLC, a Delaware limited liability company (the "SPV") and a wholly owned subsidiary of Stone Point Credit Income Fund, a Delaware statutory trust (the "Fund"), entered into an amended and restated loan and security agreement to its senior secured credit facility (the "ABL Credit Facility") with JPMorgan Chase Bank, National Association ("JPM"). JPM serves as administrative agent, The Bank of New York Mellon Trust Company, National Association, serves as collateral agent, securities intermediary and collateral administrator, and Stone Point Credit Income Adviser LLC, a Delaware limited liability company and investment adviser to the Fund (the "Adviser"), serves as portfolio manager under the ABL Credit Facility. Capitalized terms used but not defined herein shall have the meanings ascribed to them in the ABL Credit Facility.

The initial committed amount of the ABL Credit Facility at closing is $380 million, and the ABL Credit Facility has an additional discretionary accordion feature, subject to JPM's consent and the satisfaction of applicable conditions, which could increase total commitments under the ABL Credit Facility to up to $1 billion. All amounts outstanding under the ABL Credit Facility must be repaid by January 22, 2030.

Advances under the ABL Credit Facility bear interest at a per annum rate equal to the applicable Reference Rate plus the Applicable Margin for Advances of 2.20% per annum (or 2.3193% per annum in the case of Advances denominated in GBP), in each case subject to increase in accordance with Section 3.01(b) of the ABL Credit Facility.

In connection with the ABL Credit Facility, the SPV has made certain customary representations and warranties and is required to comply with various covenants, reporting requirements and other customary requirements for similar facilities. The ABL Credit Facility contains customary events of default for similar financing transactions, including if a change of control of the SPV occurs. Upon the occurrence and during the continuation of an event of default, JPM may declare the outstanding advances and all other obligations under the ABL Credit Facility immediately due and payable.

The description above is only a summary of the material provisions of the ABL Credit Facility and is qualified in its entirety by reference to the full text of the ABL Credit Facility, which is filed as Exhibit 10.1 to this Current Report on Form 8-K and incorporated herein by reference.

Subline Credit Facility

On July 17, 2026, the Fund entered into a senior secured credit facility (the "Subline Credit Facility") with JPM, as administrative agent and lender. Capitalized terms used but not defined herein shall have the meanings ascribed to them in the Subline Credit Facility.

The initial committed amount of the Subline Credit Facility at closing is $210 million. All amounts outstanding under the Subline Credit Facility must be repaid by July 17, 2028.

Advances under the Subline Credit Facility bear interest at a per annum rate equal to the applicable Reference Rate plus the Applicable Margin for Advances of 2.05% per annum (or 2.1693% per annum in the case of Advances denominated in GBP), in each case subject to increase in accordance with Section 3.01(b) of the Subline Credit Facility.

The SPV's obligations to the lenders under the Subline Credit Facility are secured by, inter alia, the Fund's right, title and interest in the Fund Collateral, which consists of the uncalled capital commitments of the Fund's investors and related capital call rights and accounts of the Fund, and similar rights with respect to Stone Point Credit Income Feeder Fund, L.P., a Cayman Islands exempted limited partnership that has made and makes certain capital commitments to the Fund. The obligations of the Fund under the Subline Credit Facility are non-recourse to the Fund, and the Fund's exposure under the Subline Credit Facility is limited to the Fund's uncalled capital commitments and the Fund Collateral.