0001193125-04-105362 Sample Contracts

DECLARATION OF TRUST OF FPIC CAPITAL TRUST IV
Declaration of Trust • June 18th, 2004 • Fpic Capital Trust V • Life insurance

THIS DECLARATION OF TRUST is made as of May 7, 2004 (this “Declaration”), by and between FPIC Insurance Group, Inc., a Florida corporation, as sponsor (the “Sponsor”), and Wilmington Trust Company, a Delaware banking corporation, as Delaware trustee (the “Trustee”). The Sponsor and the Trustee hereby agree as follows:

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FORM OF GUARANTEE AGREEMENT FPIC INSURANCE GROUP, INC. Dated as of
Guarantee Agreement • June 18th, 2004 • Fpic Capital Trust V • Life insurance • New York

This GUARANTEE AGREEMENT (the “Guarantee”), dated as of , is executed and delivered by FPIC Insurance Group, Inc., an insurance holding company incorporated in Florida (the “Guarantor”), and , a Delaware banking corporation, as trustee (the “Guarantee Trustee”), for the benefit of the Holders (as defined herein) from time to time of the Capital Securities (as defined herein) of FPIC Capital Trust a Delaware statutory trust (the “Issuer”).

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