Material Agreement, Financial Obligation (Form 8-K)

Item 1.01 Entry into a Material Definitive Agreement.

On October 13, 2026, Spire Inc. ("Spire"), Spire Missouri Inc. ("Spire Missouri"), Spire Alabama Inc. ("Spire Alabama") and Spire Tennessee Inc. ("Spire Tennessee" and, together with Spire, Spire Missouri and Spire Alabama, each, a "Borrower" and, collectively, the "Borrowers") entered into an Extension and Second Amendment to Second Amended and Restated Loan Agreement (the "Second Amendment") with Wells Fargo Bank, National Association, as administrative agent, and the lenders party thereto as Banks. The Second Amendment amends the Second Amended and Restated Loan Agreement, dated as of October 11, 2024, among the Borrowers, Wells Fargo Bank, National Association, as administrative agent, and the lenders party thereto, as previously amended (the "Credit Agreement"). The Second Amendment extends the Final Maturity Date under the Credit Agreement by one year, from October 11, 2030 to October 11, 2031. Except for the foregoing amendment, the material terms of the Credit Agreement remain unchanged.

The foregoing description of the Second Amendment is qualified in its entirety by reference to the full text of the Second Amendment, a copy of which is filed as Exhibit 10.1 to this Current Report on Form 8-K and is incorporated herein by reference.

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.

The information set forth under Item 1.01 above is incorporated herein by reference.