EXHIBIT 10.23 Employment Agreement THIS EMPLOYMENT AGREEMENT (this "Agreement") is entered into as of the 1st day of April, 2002, between Highlands Insurance Company, a Texas corporation (the "Company"), and Stephen L. Kibblehouse ("Employee")....Employment Agreement • August 14th, 2002 • Highlands Insurance Group Inc • Fire, marine & casualty insurance • New Jersey
EXHIBIT 10.22 EIGHTH AMENDMENT AND WAIVER TO CREDIT AGREEMENT EIGHTH AMENDMENT AND WAIVER TO CREDIT AGREEMENT (this "Amendment"), dated as of May 1, 2002, among HIGHLANDS INSURANCE GROUP, INC., a Delaware corporation (the "Borrower"), the lenders...Credit Agreement • August 14th, 2002 • Highlands Insurance Group Inc • Fire, marine & casualty insurance • New York
