SECOND AMENDMENT TO THIRD AMENDED AND RESTATED CREDIT
AND GUARANTY AGREEMENT

This Second Amendment to Third Amended and Restated Credit and Guaranty Agreement (this “Amendment”) is made as of this 14th day of January, 2026, by and among CTR PARTNERSHIP, L.P., a Delaware limited partnership (the “Borrower”), CARETRUST REIT, INC., a Maryland corporation (the “REIT Guarantor”), the other Guarantors identified herein, KEYBANK NATIONAL ASSOCIATION, as Administrative Agent (the “Administrative Agent”), on behalf of itself and certain other lenders (each a “Lender” and collectively, the “Lenders”) and the Lenders party hereto. Unless otherwise defined herein, terms defined in the Credit Agreement set forth below as amended hereby shall have the same meaning herein.

W I T N E S S E T H:

WHEREAS, the Borrower, the REIT Guarantor and the other Guarantors party thereto, the Administrative Agent and certain of the Lenders have entered into a certain Third Amended and Restated Credit and Guaranty Agreement dated as of December 18, 2024, as amended by that First Amendment to Third Amended and Restated Credit and Guaranty Agreement dated as of May 30, 2025 (collectively, the “Credit Agreement”); and

WHEREAS, the Borrower, the Guarantors, the Administrative Agent and the Lenders have agreed to amend the Credit Agreement as set forth herein.

NOW, THEREFORE, in consideration of the mutual promises and agreements herein contained, the parties hereto hereby agree as follows:

1.Amendment to Credit Agreement. The definition of “Permitted Encumbrances” in Section 1.1 of the Credit Agreement is hereby amended by (a) inserting “and” at the end of clause (viii) thereof and inserting new clause (ix) as follows:

“(ix) Liens in favor of the Loan Parties, or in favor of Persons wholly owned (directly or indirectly) by any Loan Party, on assets located in the United Kingdom, or on equity interests of any Person that owns such assets or is the direct or indirect owner of the equity interests of any such Person that owns such assets, securing intercompany Indebtedness among the Loan Parties, among the Loan Parties and their Subsidiaries or among Subsidiaries of the Loan Parties, which intercompany Indebtedness is advanced to Subsidiaries of the Borrower that own assets in the United Kingdom.”

and (b) amending and restating the proviso after the end of clause (ix) in its entirety as follows: “provided that the term “Permitted Encumbrances” shall not include any Lien securing Indebtedness except as permitted by clause (ix) above.”

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2.Representations and Warranties. The Loan Parties hereby represent, warrant and covenant with Administrative Agent and Lenders that, as of the date hereof:

(a)All representations and warranties made in the Credit Agreement and other Loan Documents are true and correct in all material respects on and as of the Effective Date with the same effect as though made on and as of such date, except to the extent that such representations and warranties expressly refer to an earlier date, in which case they shall be true and correct in all material respects of such earlier date (other than those representations and warranties that are expressly qualified by a Material Adverse Effect or other materiality, in which case such representations and warranties shall be true and correct in all respects).

(b)There exists no Default or Event of Default under any of the Loan Documents.

(c)The execution, delivery and performance by each Loan Party of this Amendment have been duly authorized by all necessary organizational action of each Loan Party. This Amendment has been duly executed and delivered by each Loan Party and constitutes the valid and binding obligations of each Loan Party, enforceable against it in accordance with its terms, except as may be limited by applicable bankruptcy, insolvency, reorganization, moratorium or similar laws affecting the enforcement of creditors’ rights generally and by general principles of equity.

(d)The execution, delivery and performance by each Loan Party of this Amendment (i) do not require any consent or approval of, registration or filing with, or any action by, any Governmental Authority, (ii) will not violate any Requirement of Law applicable to any Loan Party, or any judgment, order or ruling of any Governmental Authority, (iii) will not violate or result in a default under any Contractual Obligation of any Loan Party, and (iv) will not result in the creation or imposition of any Lien on any asset of any Loan Party, except, in each case, as would not reasonably be expected to result in a Material Adverse Effect.

3.Conditions to Effectiveness. This Amendment shall not be effective (the “Second Amendment Effective Date”) until each of the following conditions precedent has been fulfilled to the reasonable satisfaction of the Administrative Agent:

(a)This Amendment shall have been duly executed and delivered by the Loan Parties, the Administrative Agent and the Required Lenders.

(b)All action on the part of the Loan Parties necessary for the valid execution, delivery and performance by the Loan Parties of this Amendment shall have been duly and effectively taken.

(c)Administrative Agent shall have received payment of all fees, expenses and other amounts due and payable on or prior to the Second Amendment Effective Date, including, without limitation, reimbursement or payment of all reasonable and

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documented out-of-pocket expenses of the Administrative Agent, the Lead Arrangers and their Affiliates required to be reimbursed or paid by the Borrower under the Credit Agreement, under any other Loan Document and under any agreement with the Administrative Agent or the Lead Arrangers, in each case, to the extent that a detailed invoice is delivered to the Borrower at least one (1) Business Day prior to the Second Amendment Effective Date.

(d)After giving effect to this Amendment, no Default or Event of Default shall have occurred and be continuing.

4.This Amendment, which may be executed in multiple counterparts, constitutes the entire agreement of the parties regarding the matters contained herein and shall not be modified by any prior oral or written discussions. Delivery of an executed counterpart of a signature page of this Amendment by telecopy or other electronic imaging transmission (e.g. PDF by email) shall be effective as delivery of a manually executed counterpart of this Amendment. The Loan Parties hereby ratify, confirm and reaffirm all of the terms and conditions of the Credit Agreement, and each of the other Loan Documents, and further acknowledges and agrees that all of the terms and conditions of the Credit Agreement shall remain in full force and effect except as expressly provided in this Amendment. This Amendment constitutes a Loan Document for all purposes under the Credit Agreement.

5.Any determination that any provision of this Amendment or any application hereof is invalid, illegal or unenforceable in any respect and in any instance shall not affect the validity, legality or enforceability of such provision in any other instance, or the validity, legality or enforceability of any other provisions of this Amendment.

6.The execution, delivery and performance of this Amendment shall not, except as expressly provided herein, constitute a waiver of any provision of, or operate as a waiver of any right, power or remedy of Administrative Agent or any Lender under the Credit Agreement or any of the other Loan Documents.

7.On and after the Second Amendment Effective Date, each reference in the Credit Agreement to “this Agreement”, “hereunder”, “hereof”, “herein” or words of like import referring to the Credit Agreement and each reference in the other Loan Documents to “Credit Agreement”, “thereunder”, “thereof” or words of like import referring to the Credit Agreement shall mean and be a reference to the Credit Agreement as amended by this Amendment.

8.This Agreement shall be governed by and construed in accordance with the laws of the State of New York.

[SIGNATURES ON FOLLOWING PAGE]

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It is intended that this Amendment take effect as an instrument under seal as of the date first written above.

CTR PARTNERSHIP, L.P., a Delaware limited partnership

By:    CareTrust GP, LLC, its general partner

By:    CareTrust REIT, Inc., its sole member

By: /s/ David Sedgwick

Name: David Sedgwick

Title:    President and Chief Executive Officer

CARETRUST REIT, INC., a Maryland corporation

By: /s/ David Sedgwick

Name: David Sedgwick

Title:    President and Chief Executive Officer

CARETRUST CAPITAL CORP., a Delaware corporation

By: /s/ David Sedgwick

Name: David Sedgwick

Title:    President and Chief Executive Officer

CTRE JV HOLDCO LLC, a Delaware limited liability company

By:    CTR Partnership, L.P., its sole member

    By:    CareTrust GP, LLC, its general partner

    By:    CareTrust REIT, Inc., its sole     member

By: /s/ David Sedgwick

Name: David Sedgwick

Title:    President and Chief Executive Officer

[Signature Page to Second Amendment to Third A&R Credit and Guaranty Agreement]

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CARETRUST GP, LLC

GULF COAST BUYER 1 LLC

1070 OLD OCEAN HIGHWAY LLC

86 OLD AIRPORT ROAD LLC

7166 JORDAN ROAD LLC

1930 WEST SUGAR CREEK ROAD LLC

3514 SIDNEY ROAD LLC

CTRE 2024 PA HOLDINGS, LLC

PA HOLDCO 1 BETHEL PARK LLC

PA HOLDCO 1 CANONSBURG LLC

PA HOLDCO 1 MONROEVILLE LLC

PA HOLDCO 1 WHITEHALL LLC

PA HOLDCO 2 BETHEL PARK LLC

PA HOLDCO 2 CANONSBURG LLC

PA HOLDCO 2 MONROEVILLE LLC

PA HOLDCO 2 WHITEHALL LLC

60 HIGHLAND ROAD PA OWNER LLC

113 WEST MCMURRAY ROAD PA OWNER LLC

885 MACBETH DRIVE PA OWNER LLC

505 WEYMAN ROAD PA OWNER LLC, each a Delaware limited liability company

By: /s/ David Sedgwick

Name: David Sedgwick

Title:    President and Chief Executive Officer

[Signature Page to Second Amendment to Third A&R Credit and Guaranty Agreement]

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4TH STREET HOLDINGS LLC

18TH PLACE HEALTH HOLDINGS LLC

49TH STREET HEALTH HOLDINGS LLC

51ST AVENUE HEALTH HOLDINGS LLC

ANSON HEALTH HOLDINGS LLC

ARAPAHOE HEALTH HOLDINGS LLC

ARROW TREE HEALTH HOLDINGS LLC

AVENUE N HOLDINGS LLC

BIG SIOUX RIVER HEALTH HOLDINGS LLC

BOARDWALK HEALTH HOLDINGS LLC

BOGARDUS HEALTH HOLDINGS LLC

BURLEY HEALTHCARE HOLDINGS LLC

CASA LINDA RETIREMENT LLC

CEDAR AVENUE HOLDINGS LLC

CHERRY HEALTH HOLDINGS LLC

CM HEALTH HOLDINGS LLC

COTTONWOOD HEALTH HOLDINGS LLC

DALLAS INDEPENDENCE LLC

DIXIE HEALTH HOLDINGS LLC

EMMETT HEALTHCARE HOLDINGS LLC

ENSIGN BELLFLOWER LLC

ENSIGN HIGHLAND LLC

ENSIGN SOUTHLAND LLC

EVERGLADES HEALTH HOLDINGS LLC

EXPO PARK HEALTH HOLDINGS LLC

EXPRESSWAY HEALTH HOLDINGS LLC

FALLS CITY HEALTH HOLDINGS LLC

FIFTH EAST HOLDINGS LLC

FIG STREET HEALTH HOLDINGS LLC

FLAMINGO HEALTH HOLDINGS LLC

FORT STREET HEALTH HOLDINGS LLC

GAZEBO PARK HEALTH HOLDINGS LLC

GILLETTE PARK HEALTH HOLDINGS LLC

GOLFVIEW HOLDINGS LLC,

each a Nevada limited liability company

By: /s/ David Sedgwick

Name: David Sedgwick

Title:    President and Chief Executive Officer

[Signature Page to Second Amendment to Third A&R Credit and Guaranty Agreement]

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GRANADA INVESTMENTS LLC

GUADALUPE HEALTH HOLDINGS LLC

HILLENDAHL HEALTH HOLDINGS LLC

HILLVIEW HEALTH HOLDINGS LLC

IRVING HEALTH HOLDINGS LLC

IVES HEALTH HOLDINGS LLC

JEFFERSON RALSTON HOLDINGS LLC

JORDAN HEALTH PROPERTIES LLC

JOSEY RANCH HEALTHCARE HOLDINGS LLC

KINGS COURT HEALTH HOLDINGS LLC

LAFAYETTE HEALTH HOLDINGS LLC

LEMON RIVER HOLDINGS LLC

LOCKWOOD HEALTH HOLDINGS LLC

LONG BEACH HEALTH ASSOCIATES LLC

LOWELL HEALTH HOLDINGS LLC

LOWELL LAKE HEALTH HOLDINGS LLC

LUFKIN HEALTH HOLDINGS LLC

MEADOWBROOK HEALTH ASSOCIATES LLC

MEMORIAL HEALTH HOLDINGS LLC

MESQUITE HEALTH HOLDINGS LLC

MISSION CCRC LLC

MOENIUM HOLDINGS LLC

MOUNTAINVIEW COMMUNITYCARE LLC

NORTHSHORE HEALTHCARE HOLDINGS LLC

OLESON PARK HEALTH HOLDINGS LLC

OREM HEALTH HOLDINGS LLC

PAREDES HEALTH HOLDINGS LLC

PLAZA HEALTH HOLDINGS LLC

POLK HEALTH HOLDINGS LLC

PRAIRIE HEALTH HOLDINGS LLC

PRICE HEALTH HOLDINGS LLC

QUEEN CITY HEALTH HOLDINGS LLC,

each a Nevada limited liability company

By: /s/ David Sedgwick

Name: David Sedgwick

Title:    President and Chief Executive Officer

[Signature Page to Second Amendment to Third A&R Credit and Guaranty Agreement]

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QUEENSWAY HEALTH HOLDINGS LLC

RB HEIGHTS HEALTH HOLDINGS LLC

REGAL ROAD HEALTH HOLDINGS LLC

RENEE AVENUE HEALTH HOLDINGS LLC

RILLITO HOLDINGS LLC

RIO GRANDE HEALTH HOLDINGS LLC

SALMON RIVER HEALTH HOLDINGS LLC

SALT LAKE INDEPENDENCE LLC

SAN CORRINE HEALTH HOLDINGS LLC

SARATOGA HEALTH HOLDINGS LLC

SILVER LAKE HEALTH HOLDINGS LLC

SILVERADA HEALTH HOLDINGS LLC

SKY HOLDINGS AZ LLC

SNOHOMISH HEALTH HOLDINGS LLC

SOUTH DORA HEALTH HOLDINGS LLC

STILLHOUSE HEALTH HOLDINGS LLC

TEMPLE HEALTH HOLDINGS LLC

TENTH EAST HOLDINGS LLC

TERRACE HOLDINGS AZ LLC

TRINITY MILL HOLDINGS LLC

TROUSDALE HEALTH HOLDINGS LLC

TULALIP BAY HEALTH HOLDINGS LLC

VALLEY HEALTH HOLDINGS LLC

VERDE VILLA HOLDINGS LLC

WAYNE HEALTH HOLDINGS LLC

WILLITS HEALTH HOLDINGS LLC

WILLOWS HEALTH HOLDINGS LLC

WISTERIA HEALTH HOLDINGS LLC,

each a Nevada limited liability company

By: /s/ David Sedgwick

Name: David Sedgwick

Title:    President and Chief Executive Officer

[Signature Page to Second Amendment to Third A&R Credit and Guaranty Agreement]

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160 NORTH PATTERSON, LLC

4075 54TH STREET, LLC

8665 LA MESA BOULEVARD, LLC

7039 ALONDRA BOULEVARD, LLC

10625 LEFFINGWELL ROAD, LLC,

each a California limited liability company

By: /s/ David Sedgwick

Name: David Sedgwick

Title:    President and Chief Executive Officer

[Signature Page to Second Amendment to Third A&R Credit and Guaranty Agreement]

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KEYBANK NATIONAL ASSOCIATION,

as the Administrative Agent, as the Issuing Bank, as the Swingline Lender and as a Lender

By: /s/ Eric Hafertepen

Name: Eric Hafertepen

Title: Senior Vice President

[Signature Page to Second Amendment to Third A&R Credit and Guaranty Agreement]

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BMO BANK N.A., as a Lender

By: /s/ Darin Mainquist

Name:    Darin Mainquist

Title: Managing Director    

[Signature Page to Second Amendment to Third A&R Credit and Guaranty Agreement]

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RAYMOND JAMES BANK, as a Lender

By: /s/ Alexander Sierra

Name:    Alexander Sierra

Title:    Vice President

[Signature Page to Second Amendment to Third A&R Credit and Guaranty Agreement]

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WELLS FARGO BANK, NATIONAL ASSOCIATION, as a Lender

By: /s/ Darin Mullis___

Name:    Darin Mullis

Title:    Managing Director

[Signature Page to Second Amendment to Third A&R Credit and Guaranty Agreement]

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THE HUNTINGTON NATIONAL BANK, as a Lender

By: /s/ Michael J. Kinnick

Name:    Michael J. Kinnick

Title:    Senior Vice President

[Signature Page to Second Amendment to Third A&R Credit and Guaranty Agreement]

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JPMORGAN CHASE BANK, N.A., as a Lender

By: /s/ Jason Baeten

Name:    Jason Baeten

Title:    Executive Director

[Signature Page to Second Amendment to Third A&R Credit and Guaranty Agreement]

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BANK OF AMERICA, N.A., as a Lender

By: /s/ Darren Merten

Name:    Darren Merten

Title:    Director

[Signature Page to Second Amendment to Third A&R Credit and Guaranty Agreement]

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MORGAN STANLEY BANK, N.A., as a Lender

By: /s/ Gretell Merlo

Name:    Gretell Merlo

Title:    Authorized Signatory

[Signature Page to Second Amendment to Third A&R Credit and Guaranty Agreement]

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M&T BANK, as a Lender

By:/s/ Cameron Daboll

Name:    Cameron Daboll

Title:    SVP / Director

[Signature Page to Second Amendment to Third A&R Credit and Guaranty Agreement]

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ROYAL BANK OF CANADA, as a Lender

By: /s/ William Behuniak

Name:    William Behuniak

Title:    Authorized Signatory

[Signature Page to Second Amendment to Third A&R Credit and Guaranty Agreement]

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