Common use of Reinsurance Treaty Clause in Contracts

Reinsurance Treaty. Borrower shall have caused AH to offer, for the time period set forth in the table contained in this paragraph, to reinsure a portion of its Personal Lines Auto Quota Share Reinsurance with Lender, the form and content of such reinsurance treaty to be substantially similar to Exhibit D attached to and made a part of this Agreement, in amounts sufficient to allow for the following schedule of ceded premiums: Treaty Years Ceded Premium 07/01/97 to 06/30/99 $ 33,000,000 07/01/99 to 06/30/00 $ 25,048,000 07/01/00 to 06/30/01 $ 26,914,240 07/01/01 to 06/30/02 $ 28,929,779 07/01/02 to 06/30/03 $ 31,106,562 07/01/03 to 06/30/04 $ 33,457,486"

Reinsurance Treaty. Borrower shall have caused cause AH to continue to offer, for the time period set forth in the table contained in this paragraph, to reinsure a portion of its Personal Lines Auto Quota Share Reinsurance with Lender, the form and content of such reinsurance treaty to be substantially similar to Exhibit D attached to and made a part of this Agreementhereto, in amounts sufficient to allow for the following schedule of ceded premiums: Treaty Years Ceded Premium 07/01/97 to 06/30/99 $ 33,000,000 07/01/99 to 06/30/00 $ 25,048,000 07/01/00 to 06/30/01 $ 26,914,240 07/01/01 to 06/30/02 $ 28,929,779 07/01/02 to 06/30/03 $ 31,106,562 07/01/03 to 06/30/04 $ 33,457,486"" Except as expressly amended hereby, all terms and conditions of the Agreement shall remain in full force and effect.

Reinsurance Treaty. Borrower shall have caused cause AH to continue to offer, for the time period set forth in the table contained in this paragraph, to reinsure a portion of its Personal Lines Auto Quota Share Reinsurance with Lender, the form and content of such reinsurance treaty to be substantially similar to Exhibit D attached to and made a part of this Agreementhereto, in amounts sufficient to allow for the following schedule of ceded premiums: Treaty Years Ceded Premium 07/01/97 to 06/30/99 $ 33,000,000 41,600,000 07/01/99 to 06/30/00 $ 25,048,000 23,328,000 07/01/00 to 06/30/01 $ 26,914,240 25,194,240 07/01/01 to 06/30/02 $ 28,929,779 27,209,779 07/01/02 to 06/30/03 $ 31,106,562 29,386,562 07/01/03 to 06/30/04 $ 33,457,486"31,737,486 All portions of the Agreement not herein amended shall remain in full force and effect.

Reinsurance Treaty. Borrower shall have caused AH to offer, for the time period set forth in the table contained in this paragraph, to reinsure a portion of its Personal Lines Auto Quota Share Reinsurance with Lender, the form and content of such reinsurance treaty to be substantially similar to Exhibit D attached to and made a part of this Agreement, in amounts sufficient to allow for the following schedule of ceded premiums: Treaty Years Ceded Premium 07/01/97 to 06/30/99 $ 33,000,000 41,600,000 07/01/99 to 06/30/00 $ 25,048,000 23,328,000 07/01/00 to 06/30/01 $ 26,914,240 25,194,240 07/01/01 to 06/30/02 $ 28,929,779 27,209,779 07/01/02 to 06/30/03 $ 31,106,562 29,386,562 07/01/03 to 06/30/04 $ 33,457,486"31,737,486 -AND-

Reinsurance Treaty. Borrower shall have caused AH to offer, for the time period set forth in the table contained in this paragraph, to reinsure a portion of its Personal Lines Auto Quota Share Reinsurance with Lender, the form and content of such reinsurance treaty to be substantially similar to Exhibit D attached to and made a part of this Agreement, in amounts sufficient to allow for the following schedule of ceded premiums: Treaty Years Ceded Premium 07/01/97 to 06/30/98 $ 20,000,000 07/01/98 to 06/30/99 $ 33,000,000 21,600,000 07/01/99 to 06/30/00 $ 25,048,000 23,328,000 07/01/00 to 06/30/01 $ 26,914,240 25,194,240 07/01/01 to 06/30/02 $ 28,929,779 27,209,779 07/01/02 to 06/30/03 $ 31,106,562 29,386,562 07/01/03 to 06/30/04 $ 33,457,486"31,737,486