0000909567-05-001235 Sample Contracts

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August 2, 2005
Fairfax Financial Holdings LTD/ Can • August 4th, 2005 • Fire, marine & casualty insurance

Fairfax Financial Holdings Limited ("Fairfax") is the beneficial owner of certain shares of Common Stock of the Company ("Common Stock") or securities convertible into or exchangeable or exercisable for Common Stock. Certain subsidiaries of Fairfax (the "Selling Stockholders") propose to sell certain shares of Common Stock (the "Transaction"). Fairfax acknowledges that you are relying on the representations and agreements of Fairfax contained in this letter in carrying out the Transaction.

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