Common use of Reinsurance Contract Clause in Contracts

Reinsurance Contract. Effective: April 1, 2013 entered into by and between Homeowners of America Insurance Company Irving, Texas including any and/or all companies that are or may hereafter become affiliated therewith and SCOR Reinsurance Company New York, New York (hereinafter referred to as the “Subscribing Reinsurer”) The Subscribing Reinsures hereby accepts a 10.0% share in the interests and liabilities of the “Reinsurer” as set forth in the attached Contract captioned above. This Agreement shall become effective at 12:01 a.m., Central Standard Time, April 1, 2013, and shall continue in force thereafter unless earlier terminated in accordance with the provisions of the attached Contract. The Subscribing Reinsurer’s share in the attached Contract shall be separate and apart from the shares of the other reinsurers, and shall not be joint with the shares of the other reinsurers, it being understood that the Subscribing Reinsurer shall in no event participate in the interests and liabilities of the other reinsurers. As respects the Subscribing Reinsurer’s share in the attached Contract, in lieu of the provisions of paragraphs B and C of Article 14 - Sliding Scale Commission - the following shall apply:

Reinsurance Contract. Effective: April 1, 2013 entered into by and between Homeowners of America Insurance Company Irving, Texas including any and/or all companies that are or may hereafter become affiliated therewith and SCOR Everest Reinsurance Company New York, New York A Delaware Corporation (hereinafter referred to as the “Subscribing Reinsurer”) The Subscribing Reinsures Reinsurer hereby accepts a 10.020.0% share in the interests and liabilities of the “Reinsurer” as set forth in the attached Contract captioned above. This Agreement shall become effective at 12:01 a.m., Central Standard Time, April 1, 2013, and shall continue in force thereafter unless earlier terminated in accordance with the provisions of the attached Contract. The Subscribing Reinsurer’s share in the attached Contract shall be separate and apart from the shares of the other reinsurers, and shall not be joint with the shares of the other reinsurers, it being understood that the Subscribing Reinsurer shall in no event participate in the interests and liabilities of the other reinsurers. As respects the Subscribing Reinsurer’s share in the attached Contract, in lieu of the provisions of paragraphs B and C of Article 14 - Sliding Scale Commission - the following shall apply:

Reinsurance Contract. Effective: April 1, 2013 entered into by and between Homeowners of America Insurance Company Irving, Texas including any and/or all companies that are or may hereafter become affiliated therewith and SCOR Arch Reinsurance Company New York, New York A Nebraska Corporation (hereinafter referred to as the “Subscribing Reinsurer”) The Subscribing Reinsures Reinsurer hereby accepts a 10.024.0% share in the interests and liabilities of the “Reinsurer” as set forth in the attached Contract captioned above. This Agreement shall become effective at 12:01 a.m., Central Standard Time, April 1, 2013, and shall continue in force thereafter unless earlier terminated in accordance with the provisions of the attached Contract. The Subscribing Reinsurer’s share in the attached Contract shall be separate and apart from the shares of the other reinsurers, and shall not be joint with the shares of the other reinsurers, it being understood that the Subscribing Reinsurer shall in no event participate in the interests and liabilities of the other reinsurers. As respects the Subscribing Reinsurer’s share in the attached Contract, in lieu of the provisions of paragraphs B and C of Article 14 - Sliding Scale Commission - the following shall apply:

Reinsurance Contract. Effective: April 1, 2013 entered into by and between Homeowners of America Insurance Company Irving, Texas including any and/or all companies that are or may hereafter become affiliated therewith and SCOR Reinsurance Company New YorkEndurance Specialty Insurance Ltd. Hxxxxxxx, New York Bermuda (hereinafter referred to as the “Subscribing ReinsurerReinsure”) The Subscribing Reinsures Reinsurer hereby accepts a 10.0% share in the interests and liabilities of the “Reinsurer” as set forth in the attached Contract captioned above. This Agreement shall become effective at 12:01 a.m., Central Standard Time, April 1, 2013, and shall continue in force thereafter unless earlier terminated in accordance with the provisions of the attached Contract. The Subscribing Reinsurer’s share in the attached Contract shall be separate and apart from the shares of the other reinsurers, and shall not be joint with the shares of the other reinsurers, it being understood that the Subscribing Reinsurer shall in no event participate in the interests and liabilities of the other reinsurers. As respects the Subscribing Reinsurer’s share in the attached Contract, in lieu of the provisions of paragraphs B and C of Article 14 - Sliding Scale Commission - the following shall apply:

Reinsurance Contract. Effective: April 1, 2013 entered into by and between Homeowners of America Insurance Company Irving, Texas including any and/or all companies that are or may hereafter become affiliated therewith and SCOR Taiping Reinsurance Company New York, New York Co. Ltd. Hong Kong (hereinafter referred to as the “Subscribing Reinsurer”) The Subscribing Reinsures Reinsurer hereby accepts a 10.03.0% share in the interests and liabilities of the “Reinsurer” as set forth in the attached Contract captioned above. This Agreement shall become effective at 12:01 a.m., Central Standard Time, April 1, 2013, and shall continue in force thereafter unless earlier terminated in accordance with the provisions of the attached Contract. The Subscribing Reinsurer’s share in the attached Contract shall be separate and apart from the shares of the other reinsurers, and shall not be joint with the shares of the other reinsurers, it being understood that the Subscribing Reinsurer shall in no event participate in the interests and liabilities of the other reinsurers. As respects the Subscribing Reinsurer’s share in the attached Contract, in lieu of the provisions of paragraphs B and C of Article 14 - Sliding Scale Commission - the following shall apply:.