0001047469-03-034639 Sample Contracts

CHANGE IN TERMS AGREEMENT
Zenith National Insurance Corp • October 29th, 2003 • Fire, marine & casualty insurance

References in the shaded area are for Lender's use only and do not limit the applicability of this document to any particular loan or item. Any item above containing "***" has been omitted due to text length limitations.

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WAIVER AND AMENDMENT
Waiver and Amendment • October 29th, 2003 • Zenith National Insurance Corp • Fire, marine & casualty insurance • California

THIS WAIVER AND AMENDMENT (this "Waiver and Amendment") is entered into as of September 5, 2003, between ZENITH NATIONAL INSURANCE CORP., a Delaware corporation (the "Company"), and BANK OF AMERICA, N.A., a national banking association (the "Bank").

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