0001015402-05-001435 Sample Contracts

RESTRICTED STOCK AWARD AGREEMENT
Restricted Stock Award Agreement • March 21st, 2005 • Bristol West Holdings Inc • Fire, marine & casualty insurance • Delaware

THIS AGREEMENT (the "Agreement"), is made, effective as of February 22, 2005, (the "Grant Date") between Bristol West Holdings, Inc., a Delaware corporation (hereinafter called the "Company"), and ___________, an employee of the Company or an Affiliate (as defined below) of the Company, hereinafter referred to as the "Employee."

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EMPLOYEE STOCKHOLDER'S AGREEMENT
Employee Stockholder's Agreement • March 21st, 2005 • Bristol West Holdings Inc • Fire, marine & casualty insurance • Delaware

This Employee Stockholder's Agreement (this "Agreement") is entered into as of July 25, 2002 between BRW Acquisition, Inc., a Delaware corporation (the "Company"), and the undersigned, as set forth on the signature page hereof (the "Employee Stockholder"), (the Company and the Employee Stockholder being hereinafter collectively referred to as the "Parties").

Termination Agreement and Release Between Coast National Insurance Company ("Coast National") And Security National Insurance Company ("Security National") And Bristol West Insurance Company ("Bristol West") And Bristol West Casualty Insurance Company...
Termination Agreement and Release • March 21st, 2005 • Bristol West Holdings Inc • Fire, marine & casualty insurance • New York

WHEREAS, Coast National, Security National, Bristol West and Bristol West Casualty (together the "Company") and the Subscribing Reinsurer entered into an Interests and Liabilities Agreement with an effective date of January 1, 2002 (the "I&L") whereby the Subscribing Reinsurer took a 10% share in the interests and liabilities of the "Reinsurer" as set forth in a Quota Share Reinsurance Agreement issued to Company with an effective date of January 1, 2002 and any amendments thereto (the "Contract");

Termination Agreement and Release Between Coast National Insurance Company ("Coast National") and Security National Insurance Company ("Security National") and Bristol West Insurance Company ("Bristol West") and Bristol West Casualty Insurance Company...
Termination Agreement and Release • March 21st, 2005 • Bristol West Holdings Inc • Fire, marine & casualty insurance • New York

WHEREAS, Coast National, Security National, Bristol West and Bristol West Casualty (together the "Company") and the Reinsurer entered into a Quota Share Reinsurance Agreement with an effective date of January 1, 2002 and any amendments thereto (the "Contract") whereby the Reinsurer took a 40% participation of the Company's Policies as defined under the Contract;

Termination Agreement and Release Between Coast National Insurance Company ("Coast National") and Security National Insurance Company ("Security National") and Bristol West Insurance Company ("Bristol West") and Bristol West Casualty Insurance Company...
Termination Agreement and Release • March 21st, 2005 • Bristol West Holdings Inc • Fire, marine & casualty insurance • New York

WHEREAS, Coast National, Security National, Bristol West and Bristol West Casualty (together the "Company") and the Subscribing Reinsurer entered into an Interest and Liabilities Agreement with an effective date of January 1, 2002 (the "I&L") whereby the Subscribing Reinsurer took a 50% share in the interests and liabilities of the "Reinsurer" as set forth in a Quota Share Reinsurance Agreement issued to Company with an effective date of January 1, 2002 and any amendments thereto (the "Contract");

CALIFORNIA Brokerage Agreement
Brokerage Agreement • March 21st, 2005 • Bristol West Holdings Inc • Fire, marine & casualty insurance • California

This Agreement made this 1st day of January, 2005 by and between Bristol West Insurance Services of California, Inc. ("Bristol") and _________________________________ a retail insurance brokerage ("Broker").

TERMINATION OF TRUST AGREEMENT AND RELEASE AND INDEMNIFICATION OF TRUSTEE
Termination of Trust Agreement • March 21st, 2005 • Bristol West Holdings Inc • Fire, marine & casualty insurance

This Agreement dated January 10, 2005 is among ALEA LONDON LIMITED, a United Kingdom domiciled company (the "Grantor"); COAST NATIONAL INSURANCE COMPANY, a California domiciled insurance company, SECURITY NATIONAL INSURANCE COMPANY, a Florida domiciled insurance company, BRISTOL WEST INSURANCE COMPANY (formerly Reliant Insurance Company), a Pennsylvania domiciled insurance company and BRISTOL WEST CASUALTY INSURANCE COMPANY (formerly Reliant Casualty Insurance Company), an Ohio domiciled insurance company (collectively referred to herein as the "Beneficiary"); and BROWN BROTHERS HARRIMAN TRUST COMPANY, LLC, a New York limited purpose trust company formed under the New York banking regulations (the "Trustee"), (collectively known as the "Parties").

November ____, 2004
Bristol West Holdings Inc • March 21st, 2005 • Fire, marine & casualty insurance

Bristol West Services of California, Inc. ("Bristol") is amending your Producer's Agreement. Pursuant to paragraphs III (A) and VIII (C) of your Producer's Agreement, the changes will be effective January 1, 2005.

COMMUTATION AND RELEASE AGREEMENT
Commutation and Release Agreement • March 21st, 2005 • Bristol West Holdings Inc • Fire, marine & casualty insurance

This Commutation and Release Agreement (hereinafter called "Commutation") is entered into by and between COAST NATIONAL INSURANCE COMPANY, a California corporation, SECURITY NATIONAL INSURANCE COMPANY, a Florida corporation, BRISTOL WEST INSURANCE COMPANY of Philadelphia, Pennsylvania and BRISTOL WEST CASUALTY INSURANCE COMPANY OF Independence, Ohio (hereinafter and thereinafter collectively referred to as "Company") and INTER-OCEAN REINSURANCE (IRELAND) LIMITED, of Dublin, Ireland (hereinafter and thereinafter referred to as "Reinsurer").

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