0000912057-02-011979 Sample Contracts

MODIFICATION AGREEMENT
Modification Agreement • March 27th, 2002 • Zenith National Insurance Corp • Fire, marine & casualty insurance • Nevada

This Modification Agreement ("Modification Agreement") is made as of July 18, 2001 by PERMA-BILT, a Nevada corporation ("Borrower") and Bank of America, N.A. ("Bank").

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WORKERS' COMPENSATION QUOTA SHARE REINSURANCE AGREEMENT
Share Reinsurance Agreement • March 27th, 2002 • Zenith National Insurance Corp • Fire, marine & casualty insurance

THIS AGREEMENT made and entered into by and between ZENITH INSURANCE COMPANY, a California corporation, ZNAT INSURANCE COMPANY, a California corporation, and ZENITH STAR INSURANCE COMPANY, a Texas corporation (hereinafter collectively referred to as the "Company") and ODYSSEY AMERICA REINSURANCE CORPORATION, a Connecticut corporation (hereinafter referred to as the "Reinsurer").

TRUST AGREEMENT
Trust Agreement • March 27th, 2002 • Zenith National Insurance Corp • Fire, marine & casualty insurance

TRUST AGREEMENT, dated as of October 5, 2001 (the "Agreement"), among AMERICAN RE-INSURANCE COMPANY, a Delaware corporation (the "Grantor"), ZENITH INSURANCE COMPANY, a California corporation, ZNAT INSURANCE COMPANY, a California corporation, and ZENITH STAR INSURANCE COMPANY, a Texas corporation (together the "Zenith National Insurance Group") (together with any successor thereof by operation of law, including, without limitation, any liquidator, rehabilitator, receiver or conservator, the "Beneficiary"), and STATE STREET BANK AND TRUST COMPANY, a Massachusetts trust company (the "Trustee") (the Grantor, the Beneficiary and the Trustee are hereinafter each sometimes referred to individually as a "Party" and collectively as the "Parties").

PURCHASE AGREEMENT
Purchase Agreement • March 27th, 2002 • Zenith National Insurance Corp • Fire, marine & casualty insurance

AGREEMENT, made as of this 4th day of February, 1981, among RELIANCE INSURANCE COMPANY, a Pennsylvania corporation, ("Reliance"), Zenith National Insurance Corp., a Delaware corporation ("Zenith"), the parties set forth in Exhibit A hereto (collectively referred to herein as the "Selling Stockholders"), and EUGENE V. KLEIN, DANIEL SCHWARTZ, and HARVEY L. SILBERT, as agents for the Selling Stockholders ("Sellers' Agents");

MODIFICATION AGREEMENT (3rd)
Modification Agreement • March 27th, 2002 • Zenith National Insurance Corp • Fire, marine & casualty insurance • Nevada

This Modification Agreement ("Modification Agreement") is made as of January 8, 2002 by PERMA-BILT, a Nevada corporation ("Borrower") and Bank of America, N.A. ("Bank").

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