Exhibit 1.2 WHITE MOUNTAINS INSURANCE GROUP, LTD. FUND AMERICAN COMPANIES, INC. FORM OF UNDERWRITING AGREEMENT [Debt Securities] [Note: Appropriate modifications will be made for other types of securities and for issuances of securities by Fund...Fund American Co Inc/New • November 8th, 2001 • Fire, marine & casualty insurance • New York
Company FiledNovember 8th, 2001 Industry Jurisdiction
] SHARESUnderwriting Agreement • November 8th, 2001 • Fund American Co Inc/New • Fire, marine & casualty insurance • New York
Contract Type FiledNovember 8th, 2001 Company Industry Jurisdiction
OFGuarantee Agreement • November 8th, 2001 • Fund American Co Inc/New • Fire, marine & casualty insurance • New York
Contract Type FiledNovember 8th, 2001 Company Industry Jurisdiction
FORM OFAgreement • November 8th, 2001 • Fund American Co Inc/New • Fire, marine & casualty insurance • New York
Contract Type FiledNovember 8th, 2001 Company Industry Jurisdiction
Exhibit 4.3 [Form of Subordinated Indenture] WHITE MOUNTAINS INSURANCE GROUP, LTD. [and FUND AMERICAN COMPANIES, INC.]Fund American Co Inc/New • November 8th, 2001 • Fire, marine & casualty insurance • New York
Company FiledNovember 8th, 2001 Industry Jurisdiction
WHITE MOUNTAINS INSURANCE GROUP, LTD. Guarantor FUND AMERICAN COMPANIES, INC. Company and BANK ONE, NATIONAL ASSOCIATION TrusteeFund American Co Inc/New • November 8th, 2001 • Fire, marine & casualty insurance • New York
Company FiledNovember 8th, 2001 Industry Jurisdiction
EXHIBIT 4.12 DECLARATION OF TRUST OF Fund American Trust III THIS DECLARATION OF TRUST, dated as of October 30, 2001, among Fund American Companies, Inc., as Depositor (the "Depositor"), Bank One Delaware, Inc., not in its individual capacity but...Fund American Co Inc/New • November 8th, 2001 • Fire, marine & casualty insurance
Company FiledNovember 8th, 2001 Industry