Standard Contracts
REGISTRATION RIGHTS AGREEMENTRegistration Rights Agreement • February 20th, 2014 • National General Holdings Corp. • Fire, marine & casualty insurance • New York
This Agreement is made pursuant to the Purchase/Placement Agreement (the “Purchase/Placement Agreement”), dated as of February 11, 2014, between the Company and FBR in connection with the purchase and sale or placement of an aggregate of 11,800,000 shares of Common Stock (plus an additional 1,770,000 shares to cover additional allotments, if any). In order to induce FBR to enter into the Purchase/Placement Agreement, the Company has agreed to provide the registration rights provided for in this Agreement to FBR, the Participants, and their respective direct and indirect transferees. The execution of this Agreement is a condition to the closing of the transactions contemplated by the Purchase/Placement Agreement.
CREDIT AGREEMENT dated as of February 25, 2019 among NATIONAL GENERAL HOLDINGS CORP. The Lenders Party Hereto JPMORGAN CHASE BANK, N.A. as Administrative Agent KEYBANK NATIONAL ASSOCIATION and FIFTH THIRD BANK as Co-Syndication Agents and ASSOCIATED...Credit Agreement • February 25th, 2019 • National General Holdings Corp. • Fire, marine & casualty insurance • New York
CREDIT AGREEMENT (this “Agreement”) dated as of February 25, 2019 among NATIONAL GENERAL HOLDINGS CORP., the LENDERS from time to time party hereto, JPMORGAN CHASE BANK, N.A., as Administrative Agent, KEYBANK NATIONAL ASSOCIATION and FIFTH THIRD BANK, as Co-Syndication Agents, and ASSOCIATED BANK, N.A. and THE BANK OF NOVA SCOTIA, as Co-Documentation Agents.
DEPOSIT AGREEMENT dated as of July 7, 2016 among NATIONAL GENERAL HOLDINGS CORP., a Delaware corporation, AMERICAN STOCK TRANSFER & TRUST COMPANY, LLC, a New York limited liability trust company, as Depositary, AND THE HOLDERS FROM TIME TO TIME OF THE...Deposit Agreement • July 7th, 2016 • National General Holdings Corp. • Fire, marine & casualty insurance • New York
WHEREAS, it is desired to provide, as hereinafter set forth in this Deposit Agreement, for the deposit of shares of 7.50% Non-Cumulative Preferred Stock, Series C, $0.01 par value per share, $1,000 liquidation preference per share, of the Company from time to time with the Depositary for the purposes set forth in this Deposit Agreement and for the issuance hereunder of Receipts by the Depositary evidencing Depositary Shares in respect of the Stock so deposited (capitalized terms used herein shall have the meaning assigned to them in Article I below); and
NATIONAL GENERAL HOLDINGS CORP. [—]% NON-CUMULATIVE PREFERRED STOCK, SERIES B UNDERWRITING AGREEMENTUnderwriting Agreement • August 20th, 2014 • National General Holdings Corp. • Fire, marine & casualty insurance • New York
National General Holdings Corp., a Delaware corporation (the “Company”), proposes to issue and sell to the several underwriters named in Schedule I hereto (the “Underwriters”), for whom you are acting as managers (the “Managers”), an aggregate of [—] shares of its [—]% Non-Cumulative Preferred Stock, Series B, par value $0.01 per share, liquidation preference of $25.00 per share (each such share, a share of “Preferred Stock” and in such aggregate, the “Firm Shares”). The Company also proposes to issue and sell to the several Underwriters not more than an additional [—] shares of Preferred Stock (the “Additional Shares”) if and to the extent that you, as Managers of the offering, shall have determined to exercise, on behalf of the Underwriters, the right to purchase such shares of Preferred Stock granted to the Underwriters in Section 2 hereof. The Firm Shares and the Additional Shares are hereinafter collectively referred to as the “Shares.” If the firm or firms listed in Schedule I he
NATIONAL GENERAL HOLDINGS CORP. 11,800,000 Shares of Common Stock PURCHASE/PLACEMENT AGREEMENT February 11, 2014Purchase/Placement Agreement • February 12th, 2014 • National General Holdings Corp. • Fire, marine & casualty insurance • New York
AMENDMENT NUMBER 1 TO PERSONAL LINES CUT-THROUGH QUOTA SHARE REINSURANCE AGREEMENT BETWEEN TOWER INSURANCE COMPANY OF NEW YORK, CASTLE POINT NATIONAL INSURANCE COMPANY, TOWER NATIONAL INSURANCE COMPANY, HERMITAGE INSURANCE COMPANY, CASTLE POINT...Personal Lines Cut-Through Quota Share Reinsurance Agreement • May 12th, 2014 • National General Holdings Corp. • Fire, marine & casualty insurance
THIS AMENDMENT NUMBER 1 to the Personal Lines Cut-Through Quota Share Reinsurance Agreement (the “Agreement”), effective as of January 1, 2014, between the Ceding Companies and the Reinsurer is amended as of the Agreement’s Effective Date, as defined in the Agreement, as follows:
PERSONAL LINES CUT-THROUGH QUOTA SHARE REINSURANCE AGREEMENT BY AND AMONG TOWER INSURANCE COMPANY OF NEW YORK, CASTLE POINT NATIONAL INSURANCE COMPANY, TOWER NATIONAL INSURANCE COMPANY, HERMITAGE INSURANCE COMPANY, CASTLE POINT FLORIDA INSURANCE...Quota Share Reinsurance Agreement • January 31st, 2014 • National General Holdings Corp. • Fire, marine & casualty insurance • New York
THIS PERSONAL LINES CUT-THROUGH QUOTA SHARE REINSURANCE AGREEMENT (this “Agreement”) is entered into as of January 3, 2014 by and among TOWER INSURANCE COMPANY OF NEW YORK, an insurance company organized under the laws of New York, CASTLE POINT NATIONAL INSURANCE COMPANY, an insurance company organized under the laws of Illinois, TOWER NATIONAL INSURANCE COMPANY, an insurance company organized under the laws of Massachusetts, HERMITAGE INSURANCE COMPANY, an insurance company organized under the laws of New York, CASTLE POINT FLORIDA INSURANCE COMPANY, an insurance company organized under the laws of Florida, KODIAK INSURANCE COMPANY, an insurance company organized under the laws of New Jersey, NORTH EAST INSURANCE COMPANY, an insurance company organized under the laws of Maine, YORK INSURANCE COMPANY OF MAINE, an insurance company organized under the laws of Maine, MASSACHUSETTS HOMELAND INSURANCE COMPANY, an insurance company organized under the laws of Massachusetts, PRESERVER INSURA
National General Holdings Corp. Common Stock Underwriting AgreementUnderwriting Agreement • November 19th, 2018 • National General Holdings Corp. • Fire, marine & casualty insurance • New York
National General Holdings Corp., a Delaware corporation (the “Company”), proposes, subject to the terms and conditions stated in this agreement (this “Agreement”), to issue and sell to the Underwriters named in Schedule I hereto (the “Underwriters”) an aggregate of 5,000,000 shares (the “Firm Securities”) and, at the election of the Underwriters, up to 750,000 additional shares (the “Optional Securities”) of common stock, par value $0.01 per share (the “Common Stock”) of the Company (the Firm Securities and the Optional Securities that the Underwriters elect to purchase pursuant to Section 2 hereof being collectively called the “Securities”).
REGISTRATION RIGHTS AGREEMENTRegistration Rights Agreement • August 7th, 2013 • National General Holdings Corp. • Delaware
This Registration Rights Agreement (the “Agreement”) is made and entered into as of October 16, 2009 among American Capital Acquisition Corporation, a Delaware corporation (the “Company”), those Persons listed on Schedule A hereto and those Persons who, after the date of this Agreement, become party to this Agreement as a “Purchaser” and/or a “Management Member” by executing a joinder agreement with the Company in the form set forth in Schedule B hereto (a “Joinder Agreement”).
AMENDMENT TWO TO PERSONAL LINES CUT-THROUGH QUOTA SHARE REINSURANCE AGREEMENTPersonal Lines Cut-Through Quota Share Reinsurance Agreement • May 12th, 2014 • National General Holdings Corp. • Fire, marine & casualty insurance
NATIONAL GENERAL HOLDINGS CORP. $100,000,000 7.625% SUBORDINATED NOTES DUE 2055 UNDERWRITING AGREEMENTUnderwriting Agreement • August 18th, 2015 • National General Holdings Corp. • Fire, marine & casualty insurance • New York
National General Holdings Corp., a Delaware corporation (the “Company”), proposes to issue and sell to the several underwriters named in Schedule II hereto (the “Underwriters”), for whom you are acting as managers (the “Managers”), $100,000,000 aggregate principal amount of its 7.625% Subordinated Notes due 2055 (the “Firm Securities”), and, at the option of the Managers acting on behalf of the Underwriters, up to an additional $15,000,000 aggregate principal amount of such 7.625% Subordinated Notes due 2055 (the “Additional Securities”) solely to cover over-allotments. The Firm Securities and the Additional Securities are herein referred to collectively as the “Securities.” The Securities will be issued pursuant to an Indenture dated as of May 23, 2014 (the “Base Indenture”) between the Company and The Bank of New York Mellon, as trustee (the “Trustee”), to be supplemented by the second supplemental indenture, to be dated as of August 18, 2015 (the “Second Supplemental Indenture” and,
February , 2014Purchase/Placement Agreement • April 30th, 2014 • National General Holdings Corp. • Fire, marine & casualty insurance • New York
MASTER SERVICES AGREEMENTMaster Services Agreement • August 7th, 2013 • National General Holdings Corp. • North Carolina
This Master Services Agreement (this “Agreement”), dated February 22, 2012, is made by and between AmTrust North America, Inc., having its principal place of business at 5800 Lombardo Center, Cleveland, Ohio 44131 (“AmTrust”), and GMAC Insurance Management Corporation, having its principal place of business at 500 West Fifth Street, Winston-Salem, NC 27101-2728 (“GMACI”).
AMENDED AND RESTATED MARKETING AGREEMENTMarketing Agreement • September 24th, 2013 • National General Holdings Corp. • Fire, marine & casualty insurance • Delaware
CREDIT AGREEMENT dated as of September 15, 2014 by and among ACP RE LTD., LONDON ACQUISITION COMPANY LIMITED, ACP RE HOLDINGS, LLC, THE LENDERS PARTY HERETO and AMTRUST FINANCIAL SERVICES, INC. as Administrative AgentCredit Agreement • September 18th, 2014 • National General Holdings Corp. • Fire, marine & casualty insurance • New York
CREDIT AGREEMENT (this “Agreement”) dated as of September 15, 2014, by and among ACP RE LTD., a Bermuda exempted company (“ACP”), LONDON ACQUISITION COMPANY LIMITED, a Bermuda exempted company and wholly‑owned subsidiary of ACP (“Merger Sub” and, together with ACP, collectively, the “Borrower”), ACP RE HOLDINGS, LLC, a Delaware limited liability company (“Holdings”) and owner of 100% of the Equity Interests (as defined below) of ACP, as a Guarantor, the LENDERS from time to time party hereto, and AMTRUST FINANCIAL SERVICES, INC., a Delaware corporation, as Administrative Agent.
AMENDED AND RESTATED PERSONAL LINES MASTER AGREEMENT BY AND BETWEEN ACP RE, LTD AND NATIONAL GENERAL HOLDINGS CORPORATION DATED AS OF JULY 23, 2014Personal Lines Master Agreement • August 25th, 2014 • National General Holdings Corp. • Fire, marine & casualty insurance • New York
This AMENDED AND RESTATED PERSONAL LINES MASTER AGREEMENT is made as of July 23, 2014 (this "Agreement"), by and between ACP Re Ltd ("ACP"), a Bermuda exempted company, and National General Holdings Corporation, a Delaware corporation ("National General").
AGREEMENT AND PLAN OF MERGER among THE ALLSTATE CORPORATION, BLUEBIRD ACQUISITION CORP. and NATIONAL GENERAL HOLDINGS CORP. Dated as of July 7, 2020Merger Agreement • July 8th, 2020 • National General Holdings Corp. • Fire, marine & casualty insurance • Delaware
This AGREEMENT AND PLAN OF MERGER, dated as of July 7, 2020 (as amended in accordance with the terms hereof, this “Agreement”), is by and among The Allstate Corporation, a Delaware corporation (“Parent”), Bluebird Acquisition Corp., a Delaware corporation and an indirect wholly owned subsidiary of Parent (“Merger Sub”), and National General Holdings Corp., a Delaware corporation (the “Company”). All capitalized terms used in this Agreement shall have the meanings ascribed to such terms in Section 8.3 or as defined elsewhere in this Agreement.
PORTFOLIO TRANSFER AND QUOTA SHARE REINSURANCE AGREEMENTPortfolio Transfer and Quota Share Reinsurance Agreement • August 7th, 2013 • National General Holdings Corp. • New York
THIS PORTFOLIO TRANSFER AND QUOTA SHARE REINSURANCE AGREEMENT (this “Agreement”) is effective as of January 1, 2013, (the “Effective Date”) by and between Wesco Insurance Company, a Delaware domiciled insurance company (the “Company”), and National Health Insurance Company, a Texas domiciled insurance company (the “Reinsurer”) (collectively, the “Parties”).
EMPLOYMENT AGREEMENTEmployment Agreement • August 7th, 2013 • National General Holdings Corp. • North Carolina
This EMPLOYMENT AGREEMENT (the “Agreement”) is made as of the 1st day of January 2013 (the “Effective Date”) by and between Byron Storms, an individual having an address at 11050 Appomattox Court, Rancho Cucamonga, CA 91737 (“Executive”), and GMAC Insurance Management Corporation, a Delaware corporation, having an address at 500 West Fifth Street, Winston-Salem, NC 27101 (the “Company”; collectively, the “Parties”).
NGHC 2013 EQUITY INCENTIVE PLANRestricted Stock Units Award Agreement • August 25th, 2014 • National General Holdings Corp. • Fire, marine & casualty insurance • New York
Your award by National General Holdings Corp. (the “Company”) of Restricted Stock Units (“RSUs”) is subject to the terms and conditions set forth in (i) this Award Agreement, and (ii) the NGHC 2013 Equity Incentive Plan (the “Plan”). Wherever a conflict may arise between the terms of this Award Agreement and the terms of the Plan, the terms of the Plan will control. Unless otherwise defined herein, capitalized terms used in this Agreement are defined in the Plan, and have the meaning set forth in the Plan.
ASSET PURCHASE AND LICENSE AGREEMENTAsset Purchase and License Agreement • September 18th, 2017 • National General Holdings Corp. • Fire, marine & casualty insurance • New York
AMTRUST NORTH AMERICA, INC., a Delaware corporation, with a business address of 800 Superior Avenue, Cleveland, Ohio 44114 (“AMTRUST” or “SELLER”); and
CONSENT AND AMENDMENT NO. 1 Dated as of April 11, 2013 to CREDIT AGREEMENT Dated as of February 20, 2013Credit Agreement • August 7th, 2013 • National General Holdings Corp. • New York
THIS CONSENT AND AMENDMENT NO. 1 (this “Consent and Amendment”) is made as of April 11, 2013 and shall, upon satisfaction of the conditions precedent set forth in Section 2 below be effective as of the date hereof (the “Amendment No. 1 Effective Date”) by and among American Capital Acquisition Corporation, a Delaware corporation (the “Borrower”), the financial institutions listed on the signature pages hereof and JPMorgan Chase Bank, N.A., as Administrative Agent (the “Administrative Agent”), under that certain Credit Agreement dated as of February 20, 2013 by and among the Borrower, the Lenders and the Administrative Agent (as amended, restated, supplemented or otherwise modified from time to time, the “Credit Agreement”). Capitalized terms used herein and not otherwise defined herein shall have the respective meanings given to them in the Credit Agreement.
AMENDMENT NO. 2 Dated as of August 6, 2013 to CREDIT AGREEMENT Dated as of February 20, 2013Credit Agreement • August 7th, 2013 • National General Holdings Corp. • New York
THIS AMENDMENT NO. 2 (this “Amendment”) is made as of August 6, 2013 and shall, upon satisfaction of the conditions precedent set forth in Section 2 below be effective as of the date hereof (the “Amendment No. 2 Effective Date”) by and among National General Holdings Corp. (formerly known as American Capital Acquisition Corporation), a Delaware corporation (the “Borrower”), the financial institutions listed on the signature pages hereof and JPMorgan Chase Bank, N.A., as Administrative Agent (the “Administrative Agent”), under that certain Credit Agreement dated as of February 20, 2013 by and among the Borrower, the Lenders and the Administrative Agent (as amended, restated, supplemented or otherwise modified from time to time, the “Credit Agreement”). Capitalized terms used herein and not otherwise defined herein shall have the respective meanings given to them in the Credit Agreement.
FORM OF LOCK-UP AGREEMENTLock-Up Agreement • September 24th, 2013 • National General Holdings Corp. • Fire, marine & casualty insurance • New York
SECURITIES PURCHASE AGREEMENT DATED AS OF JANUARY 22, 2016 BY AND BETWEEN KRAMER-WILSON COMPANY, INC. AND NATIONAL GENERAL HOLDINGS CORP.Securities Purchase Agreement • January 26th, 2016 • National General Holdings Corp. • Fire, marine & casualty insurance • New York
THIS SECURITIES PURCHASE AGREEMENT (this “Agreement”), dated as of January 22, 2016, is made by and between Kramer-Wilson Company, Inc., a Delaware corporation (“Seller”), and National General Holdings Corp., a Delaware corporation (“Buyer”).
INDEMNIFICATION AGREEMENTIndemnification Agreement • August 7th, 2013 • National General Holdings Corp. • Delaware
This Agreement, made and entered into as of this 6th day of August, 2013 (“Agreement”), among and between National General Holdings Corp., a Delaware corporation (the “Company”), and the individual listed on the signature page hereof (the “Indemnitee”);
MASTER TRANSACTION AGREEMENT BY AND AMONG QBE INVESTMENTS (NORTH AMERICA), INC., QBE HOLDINGS, INC. AND NATIONAL GENERAL HOLDINGS CORP. DATED AS OF JULY 15, 2015Master Transaction Agreement • July 16th, 2015 • National General Holdings Corp. • Fire, marine & casualty insurance
This MASTER TRANSACTION AGREEMENT, dated as of July 15, 2015, is made by and among QBE Investments (North America), Inc., a Delaware corporation (“Parent”), QBE Holdings, Inc., a Delaware corporation (the “Seller”) and National General Holdings Corp., a Delaware corporation (the “Acquiror”).
PERSONAL LINES QUOTA SHARE REINSURANCE AGREEMENTQuota Share Reinsurance Agreement • September 18th, 2014 • National General Holdings Corp. • Fire, marine & casualty insurance • New York
THIS PERSONAL LINES QUOTA SHARE REINSURANCE AGREEMENT (this “Agreement”) is entered into as of September 15, 2014 by and among TOWER INSURANCE COMPANY OF NEW YORK, an insurance company organized under the laws of New York, CASTLEPOINT NATIONAL INSURANCE COMPANY, an insurance company organized under the laws of Illinois, TOWER NATIONAL INSURANCE COMPANY, an insurance company organized under the laws of Massachusetts, HERMITAGE INSURANCE COMPANY, an insurance company organized under the laws of New York, CASTLEPOINT FLORIDA INSURANCE COMPANY, an insurance company organized under the laws of Florida, NORTH EAST INSURANCE COMPANY, an insurance company organized under the laws of Maine, YORK INSURANCE COMPANY OF MAINE, an insurance company organized under the laws of Maine, MASSACHUSETTS HOMELAND INSURANCE COMPANY, an insurance company organized under the laws of Massachusetts, PRESERVER INSURANCE COMPANY, an insurance company organized under the laws of New Jersey, and CASTLEPOINT INSURANC
ADDENDUM No. 1 to the PERSONAL AND COMMERCIAL AUTOMOBILE QUOTA SHARE REINSURANCE AGREEMENT (hereinafter referred to as the “Agreement”) between INTEGON NATIONAL INSURANCE COMPANY Winston-Salem, North Carolina (hereinafter referred to as the “Company”)...Personal and Commercial Automobile Quota Share Reinsurance Agreement • August 7th, 2013 • National General Holdings Corp.
AMENDMENT TO STATUTORY TIME-BASED STOCK OPTION AGREEMENTStatutory Time-Based Stock Option Agreement • August 7th, 2013 • National General Holdings Corp.
WHEREAS, National General Holdings Corp. (f/k/a American Capital Acquisition Corporation, the “Company”) had previously granted to the undersigned (the “Optionee”), a stock option subject to the terms of the American Capital Acquisition Corporation 2010 Equity Incentive Plan (the “Plan”), which such grant was evidenced by a Statutory Time-Based Stock Option Agreement with a Date of Grant of (the “Agreement”);
PERSONAL LINES MASTER AGREEMENT BY AND BETWEEN ACP RE, LTD AND NATIONAL GENERAL HOLDINGS CORP. DATED AS OF APRIL 8, 2014Master Agreement • April 30th, 2014 • National General Holdings Corp. • Fire, marine & casualty insurance • New York
THIS LOSS PORTFOLIO TRANSFER AGREEMENT (this “Agreement”) is entered into as of [ ], 2014 by and among TOWER INSURANCE COMPANY OF NEW YORK, an insurance company organized under the laws of New York, CASTLEPOINT NATIONAL INSURANCE COMPANY, an insurance company organized under the laws of Illinois, TOWER NATIONAL INSURANCE COMPANY, an insurance company organized under the laws of Massachusetts, HERMITAGE INSURANCE COMPANY, an insurance company organized under the laws of New York, CASTLEPOINT FLORIDA INSURANCE COMPANY, an insurance company organized under the laws of Florida, NORTH EAST INSURANCE COMPANY, an insurance company organized under the laws of Maine, YORK INSURANCE COMPANY OF MAINE, an insurance company organized under the laws of Maine, MASSACHUSETTS HOMELAND INSURANCE COMPANY, an insurance company organized under the laws of Massachusetts, PRESERVER INSURANCE COMPANY, an insurance company organized under the laws of New Jersey, and CASTLEPOINT INSURANCE COMPANY, an insurance
RESTATEMENT AGREEMENT TO CREDIT AGREEMENTCredit Agreement • September 21st, 2016 • National General Holdings Corp. • Fire, marine & casualty insurance • New York
RESTATEMENT AGREEMENT, dated as of July 28, 2016 (this “Agreement”), among ACP RE LTD., a Bermuda exempted company (“ACP”), TOWER GROUP INTERNATIONAL, LTD., a Bermuda insurance holding company (“Tower”), ACP RE HOLDINGS, LLC, a Delaware limited liability company (“Holdings”) and owner of 100% of the Equity Interests (as defined in the Credit Agreement) of ACP, each other Lender party or consenting in writing hereto, and AMTRUST FINANCIAL SERVICES, INC. a Delaware corporation, as Administrative Agent (“AmTrust”).
CREDIT AGREEMENT dated as of February 20, 2013 among AMERICAN CAPITAL ACQUISITION CORPORATION The Lenders Party Hereto JPMORGAN CHASE BANK, N.A. as Administrative Agent KEYBANK NATIONAL ASSOCIATION as Syndication Agent and FIRST NIAGARA BANK, N.A. as...Credit Agreement • August 7th, 2013 • National General Holdings Corp. • New York
CREDIT AGREEMENT (this “Agreement”) dated as of February 20, 2013 among AMERICAN CAPITAL ACQUISITION CORPORATION, the LENDERS from time to time party hereto, JPMORGAN CHASE BANK, N.A., as Administrative Agent, KEYBANK NATIONAL ASSOCIATION, as Syndication Agent and FIRST NIAGARA BANK, N.A., as Documentation Agent.
AMENDED AND RESTATED PERSONAL LINES STOCK PURCHASE AGREEMENT BY AND BETWEEN ACP RE, LTD AND NATIONAL GENERAL HOLDINGS CORP. DATED AS OF APRIL 8, 2014Stock Purchase Agreement • April 30th, 2014 • National General Holdings Corp. • Fire, marine & casualty insurance • New York
This AMENDED AND RESTATED PERSONAL LINES STOCK PURCHASE AGREEMENT, dated as of April 8, 2014 (this “Agreement”), by and between ACP Re, Ltd (“ACP”), a Bermuda exempt company, and National General Holdings Corporation (“National General”), a Delaware corporation.
AMENDMENT NO. 1 TO CREDIT AGREEMENTCredit Agreement • February 29th, 2016 • National General Holdings Corp. • Fire, marine & casualty insurance • New York
THIS AMENDMENT NO. 1 TO CREDIT AGREEMENT (this "Amendment") is made and entered into as of December 3, 2015, by and among ACP Re Ltd., a Bermuda exempted company ("ACP"), Tower Group International, Ltd., a Bermuda insurance holding company ("Tower"; together with ACP, the "Borrower"), AmTrust International Insurance, Ltd., a Bermuda limited company ("AII"), and National General Re Ltd., a Bermuda limited company ("Nat Gen"; together with AII, the "Required Lenders"). Capitalized terms used but not otherwise defined herein shall have the meaning ascribed to such terms in the Credit Agreement (as defined below).
