EXHIBIT 10
Joint Filing Agreement
The undersigned hereby agree that the statement on Schedule
13D with respect to the Common Stock of Provident Companies, Inc. dated April
__, 1997, and any amendments thereto, signed by each of the undersigned, shall
be filed on behalf of each of us pursuant to and in accordance with the
provisions of Rule 13d-1(f) under the Securities Exchange Act of 1934.
Dated: Xxxxx 0, 0000 XXXXXX INSURANCE COMPANY
By: /s/ Xxxxxx Xxxx
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Name: Xxxxxx Xxxx
Title: Corporate Secretary &
General Counsel
By: /s/Xxxxxx Xxxxxxx
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Name: Xxxxxx Xxxxxxx
Title: Member of the Executive
Staff
Dated: April 7, 1997 CENTRE REINSURANCE LIMITED
By: /s/ Xxxxxx Xxxxxx
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Name: Xxxxxx Xxxxxx
Title: Vice President
Dated: April 7, 1997 ZURICH REINSURANCE CENTRE, INC.
By: /s/Xxxx Xxxxxxxx
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Name: Xxxx Xxxxxxxx
Title: Senior Vice President &
General Counsel
Dated: April 7, 1997 EMPIRE FIRE AND MARINE INSURANCE COMPANY
By: /s/ Xxxx XxXxxxxxx
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Name: Xxxx XxXxxxxxx
Title: President & CEO
Dated: April 7, 1997 UNIVERSAL UNDERWRITERS INSURANCE
COMPANY
By: /s/ Xxx Xxxxxxxxx
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Name: Xxx Xxxxxxxxx
Title: President & CEO
Dated: April 7, 1997 UNIVERSAL UNDERWRITERS LIFE
INSURANCE COMPANY
By: /s/ Xxx Xxxxxxxxx
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Name: Xxx Xxxxxxxxx
Title: President & CEO
Dated: April 7, 1997 FIDELITY AND DEPOSIT COMPANY OF
MARYLAND
By: /s/ Xxxxxxx Xxxxxxxx
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Name: Xxxxxxx Xxxxxxxx
Title: President & CEO