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Exhibit 10.2 [PLATINUM LOGO] The Belvedere Building 69 Pitts Bay Road, Pembroke HM 08 P.O. Box HM 3012 Hamilton HM MX, Bermuda Tel: (441) 295-7195 Fax: (441) 295-4605 May 19, 2004 The St. Paul Companies, Inc. 385 Washington Street St. Paul, MN 55102...