0001047469-07-001491 Sample Contracts

EMPLOYMENT AGREEMENT
Employment Agreement • February 28th, 2007 • CastlePoint Holdings, Ltd. • Fire, marine & casualty insurance • New York

THIS AGREEMENT (the “Agreement”), dated as of January 16, 2007, is by and between CastlePoint Holdings, Ltd., a Bermuda exempted company (the “Company”), and Gregory T. Doyle (the “Executive”).

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PROGRAM MANAGEMENT AGREEMENT between Tower National Insurance Company and CastlePoint Management Corp. Amended and Restated
Management Agreement • February 28th, 2007 • CastlePoint Holdings, Ltd. • Fire, marine & casualty insurance • New York

This Agreement, entered into as of , 2006 (the “Agreement”) by and between TOWER NATIONAL INSURANCE COMPANY, a property and casualty insurance company domiciled in Massachusetts (the “Company”), and CASTLEPOINT MANAGEMENT CORP., a Delaware corporation (“Manager”), each having offices located at 120 Broadway, New York, N.Y. 10271.

SERVICE AND EXPENSE SHARING AGREEMENT
Service and Expense Sharing Agreement • February 28th, 2007 • CastlePoint Holdings, Ltd. • Fire, marine & casualty insurance

This (“Agreement”) is entered into as of October 1, 2006 by and between Tower Insurance Company of New York (“TICNY”), a property and casualty insurance company domiciled in New York with offices located at 120 Broadway, New York, N.Y. 10271 and CastlePoint Management Corp. and any of its after acquired property and casualty insurance company subsidiaries (collectively “CPM”), a Delaware corporation with offices located at 120 Broadway, New York, N.Y. 10271.

SPECIALTY PROGRAM BUSINESS POOLING AGREEMENT
Specialty Program Business Pooling Agreement • February 28th, 2007 • CastlePoint Holdings, Ltd. • Fire, marine & casualty insurance • New York

This Specialty Program Business Pooling Agreement (“Pooling Agreement”) by and between Tower Insurance Company of New York (“TICNY”), an insurance company domiciled in New York, and CastlePoint Insurance Company (“CPIC”), an insurance company domiciled in New York, is made effective as of 12:01 a.m., January 1, 2007, (the “Effective Date”).

TRADITIONAL PROGRAM BUSINESS POOLING AGREEMENT
Traditional Program Business Pooling Agreement • February 28th, 2007 • CastlePoint Holdings, Ltd. • Fire, marine & casualty insurance • New York

This Traditional Program Business Pooling Agreement (“Pooling Agreement”) by and between Tower Insurance Company of New York (“TICNY”), an insurance company domiciled in New York, and CastlePoint Insurance Company (“CPIC”), an insurance company domiciled in New York, is made effective as of 12:01 a.m., January 1, 2007, (the “Effective Date”).

BROKERAGE BUSINESS POOLING AGREEMENT
Brokerage Business Pooling Agreement • February 28th, 2007 • CastlePoint Holdings, Ltd. • Fire, marine & casualty insurance • New York

This Brokerage Business Pooling Agreement (“Pooling Agreement”) by and between Tower Insurance Company of New York (“TICNY”), an insurance company domiciled in New York and CastlePoint Insurance Company (“CPIC”), an insurance company domiciled in New York, is made effective as of 12:01 a.m., January 1, 2007, (the “Effective Date”).

TRADITIONAL PROGRAM BUSINESS POOL MANAGEMENT AGREEMENT
Traditional Program Business Pool Management Agreement • February 28th, 2007 • CastlePoint Holdings, Ltd. • Fire, marine & casualty insurance • New York

This Traditional Program Business Pool Management Agreement (“Pool Management Agreement”) by and between Tower Insurance Company of New York (“TICNY”), an insurance company domiciled in New York, and CastlePoint Insurance Company (“CPIC”), an insurance company domiciled in New York, is made effective as of 12:01 a.m., January 1, 2007, (the “Effective Date”).

BROKERAGE BUSINESS POOL MANAGEMENT AGREEMENT
Brokerage Business Pool Management Agreement • February 28th, 2007 • CastlePoint Holdings, Ltd. • Fire, marine & casualty insurance • New York

This Brokerage Business Pool Management Agreement (“Pool Management Agreement”) by and between Tower Insurance Company of New York (“TICNY”), an insurance company domiciled in New York and CastlePoint Insurance Company (“CPIC”), an insurance company domiciled in New York, is made effective as of 12:01 a.m., January 1, 2007, (the “Effective Date”).

Addendum No. 1 to MASTER AGREEMENT
Master Agreement • February 28th, 2007 • CastlePoint Holdings, Ltd. • Fire, marine & casualty insurance

(hereinafter “Agreement”) dated the 4th day of April, 2006 by and between Tower Group, Inc., a Delaware corporation (“TGI”), Tower Insurance Company of New York (“TICNY”), a New York Corporation, and Tower National Insurance Company (“TNIC”) a Massachusetts corporation, (collectively “Tower”) and CastlePoint Holdings, Ltd. (“CPH”), a Bermuda exempted corporation, and CastlePoint Management Corp., (“CPM”), a Delaware corporation (collectively “CastlePoint”). Together TGI and CPH are referred to as the “Parties”.

Amendment No. 1 To Traditional Program Business Amended and Restated Quota Share Reinsurance Agreement
Share Reinsurance Agreement • February 28th, 2007 • CastlePoint Holdings, Ltd. • Fire, marine & casualty insurance • New York

This is Amendment Number 1 (this “Amendment”), dated as of the date set forth below, to the Amended and Restated Traditional Program Business Quota Share Reinsurance Agreement (“Agreement”), dated August 30, 2006, by and among Tower Insurance Company of New York, and Tower National Insurance Company (collectively the “Company”) and CastlePoint Reinsurance Company, Ltd. (“Reinsurer”), effective as of April 1, 2006.

SPECIALTY PROGRAM BUSINESS POOL MANAGEMENT AGREEMENT
Specialty Program Business Pool Management Agreement • February 28th, 2007 • CastlePoint Holdings, Ltd. • Fire, marine & casualty insurance • New York

This Specialty Program Business Pool Management Agreement (“Pool Management Agreement”) by and between Tower Insurance Company of New York (“TICNY”), an insurance company domiciled in New York, and CastlePoint Insurance Company (“CPIC”), an insurance company domiciled in New York, is made effective as of 12:01 a.m., January 1, 2007, (the “Effective Date”).

Amendment No.1 To Amended and Restated Brokerage Business Quota Share Reinsurance Agreement
Share Reinsurance Agreement • February 28th, 2007 • CastlePoint Holdings, Ltd. • Fire, marine & casualty insurance • New York

This is Amendment Number 1 (this “Amendment”), dated as of the date set forth below to the Amended and Restated Brokerage Business Quota Share Reinsurance Agreement (“Agreement”), dated August 30, 2006, by and among Tower Insurance Company of New York and Tower National Insurance Company (collectively the “Company”) and CastlePoint Reinsurance Company, Ltd. (“Reinsurer”), effective as of April 1, 2006.

EXCHANGE AGREEMENT
Exchange Agreement • February 28th, 2007 • CastlePoint Holdings, Ltd. • Fire, marine & casualty insurance • Delaware

This Exchange Agreement (this “Agreement”) is made and entered into as of January 11, 2007, by and between TOWER GROUP, INC., a Delaware corporation (the “Company”), and CASTLEPOINT MANAGEMENT CORP., a Delaware corporation (the “Purchaser”).

Amendment No.1 To Amended and Restated Specialty Program Business and Insurance Risk Sharing Business Quota Share Reinsurance Agreement
Reinsurance Agreement • February 28th, 2007 • CastlePoint Holdings, Ltd. • Fire, marine & casualty insurance • New York

This is Amendment Number 1 (this “Amendment”), dated as of the date set forth below to the Amended and Restated Specialty Program Business and Insurance Risk Sharing Business Quota Share Reinsurance Agreement (“Agreement”), dated August 30, 2006, by and among Tower Insurance Company of New York and Tower National Insurance Company (collectively the “Company”) and CastlePoint Reinsurance Company, Ltd. (“Reinsurer”), effective as of April 1, 2006.

CONSULTING AGREEMENT
Consulting Agreement • February 28th, 2007 • CastlePoint Holdings, Ltd. • Fire, marine & casualty insurance • New York

This Consulting Agreement and Release (“Agreement”) is dated January 1, 2007. It is between Mark Dale, 4710 Newtown Blvd, Owings Mills., MD 21117 (“you”) and CastlePoint Management Corp., a Delaware corporation (“the Company”), located at 120 Broadway, New York, NY 10271.

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