0001069996-20-000094 Sample Contracts

Contract
FedNat Holding Co • November 9th, 2020 • Fire, marine & casualty insurance

20\F7V1030 Excess Catastrophe Reinsurance Contract Effective: July 1, 2020 FedNat Insurance Company Sunrise, Florida and Monarch National Insurance Company Sunrise, Florida and Maison Insurance Company Baton Rouge, Louisiana _______________________ Certain identified information has been omitted from this exhibit because it is not material and would be competitively harmful if publicly disclosed. Redactions are indicated by [***]. 20\F7V1030 Table of Contents Article Page 1 Classes of Business Reinsured 1 2 Commencement and Termination 1 3 Territory 3 4 Exclusions 3 5 Retention and Limit 4 6 Florida Hurricane Catastrophe Fund 5 7 Other Reinsurance 5 8 Reinstatement 6 9 Definitions 6 10 Loss Occurrence 8 11 Loss Notices and Settlements 10 12 Cash Call 10 13 Salvage and Subrogation 10 14 Reinsurance Premium 11 15 Sanctions 12 16 Late Payments 12 17 Offset 13 18 Severability of Interests and Obligations 13 19 Access to Records 14 20 Liability of the Reinsurer 14 21 Net Retained Lines (B

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Contract
FedNat Holding Co • November 9th, 2020 • Fire, marine & casualty insurance

20\F7V1036 Reinstatement Premium Protection Reinsurance Contract Effective: July 1, 2020 FedNat Insurance Company Sunrise, Florida and Monarch National Insurance Company Sunrise, Florida and Maison Insurance Company Baton Rouge, Louisiana _______________________ Certain identified information has been omitted from this exhibit because it is not material and would be competitively harmful if publicly disclosed. Redactions are indicated by [***]. 20\F7V1036 Table of Contents Article Page 1 Coverage 1 2 Commencement and Termination 1 3 Concurrency of Conditions 3 4 Premium 3 5 Sanctions 4 6 Loss Notices and Settlements 4 7 Late Payments 4 8 Offset 5 9 Severability of Interests and Obligations 6 10 Access to Records 6 11 Errors and Omissions (BRMA 14F) 6 12 Currency (BRMA 12A) 7 13 Taxes (BRMA 50B) 7 14 Federal Excise Tax (BRMA 17D) 7 15 Reserves 7 16 Insolvency 9 17 Arbitration 9 18 Service of Suit 10 19 Severability (BRMA 72E) 11 20 Governing Law (BRMA 71B) 11 21 Confidentiality 11 22

Contract
Employment Agreement • November 9th, 2020 • FedNat Holding Co • Fire, marine & casualty insurance • Florida
Contract
F7v1039         reinstatement • November 9th, 2020 • FedNat Holding Co • Fire, marine & casualty insurance

20\F7V1039 Reinstatement Premium Protection Reinsurance Contract Effective: July 1, 2020 FedNat Insurance Company Sunrise, Florida and Monarch National Insurance Company Sunrise, Florida and Maison Insurance Company Baton Rouge, Louisiana _______________________ Certain identified information has been omitted from this exhibit because it is not material and would be competitively harmful if publicly disclosed. Redactions are indicated by [***]. 20\F7V1039 Table of Contents Article Page 1 Coverage 1 2 Commencement and Termination 1 3 Concurrency of Conditions 3 4 Premium 3 5 Sanctions 4 6 Loss Notices and Settlements 4 7 Late Payments 4 8 Offset 5 9 Severability of Interests and Obligations 6 10 Access to Records 6 11 Errors and Omissions (BRMA 14F) 6 12 Currency (BRMA 12A) 7 13 Taxes (BRMA 50B) 7 14 Federal Excise Tax (BRMA 17D) 7 15 Reserves 7 16 Insolvency 9 17 Arbitration 9 18 Service of Suit (BRMA 49C) 10 19 Severability (BRMA 72E) 11 20 Governing Law (BRMA 71B) 11 21 Confidentia

Contract
F7v1077         excess Catastrophe • November 9th, 2020 • FedNat Holding Co • Fire, marine & casualty insurance

20\F7V1077 Excess Catastrophe Reinsurance Contract Effective: July 1, 2020 FedNat Insurance Company Sunrise, Florida and Monarch National Insurance Company Sunrise, Florida and Maison Insurance Company Baton Rouge, Louisiana _______________________ Certain identified information has been omitted from this exhibit because it is not material and would be competitively harmful if publicly disclosed. Redactions are indicated by [***]. 20\F7V1077 Table of Contents Article Page 1 Classes of Business Reinsured 1 2 Commencement and Termination 1 3 Territory 3 4 Exclusions 3 5 Retention and Limit 4 6 Florida Hurricane Catastrophe Fund 5 7 Other Reinsurance 5 8 Reinstatement 6 9 Definitions 6 10 Loss Occurrence 8 11 Loss Notices and Settlements 10 12 Cash Call 10 13 Salvage and Subrogation 10 14 Reinsurance Premium 11 15 Sanctions 11 16 Late Payments 11 17 Offset 13 18 Severability of Interests and Obligations 13 19 Access to Records 14 20 Liability of the Reinsurer 14 21 Net Retained Lines (B

Contract
F7v1028         excess Catastrophe • November 9th, 2020 • FedNat Holding Co • Fire, marine & casualty insurance

20\F7V1028 Excess Catastrophe Reinsurance Contract Effective: July 1, 2020 FedNat Insurance Company Sunrise, Florida and Monarch National Insurance Company Sunrise, Florida and Maison Insurance Company Baton Rouge, Louisiana _______________________ Certain identified information has been omitted from this exhibit because it is not material and would be competitively harmful if publicly disclosed. Redactions are indicated by [***]. 20\F7V1028 Table of Contents Article Page 1 Classes of Business Reinsured 1 2 Commencement and Termination 1 3 Territory 3 4 Exclusions 3 5 Retention and Limit 4 6 Florida Hurricane Catastrophe Fund 6 7 Other Reinsurance 6 8 Reinstatement 6 9 Definitions 7 10 Loss Occurrence 8 11 Loss Notices and Settlements 10 12 Cash Call 10 13 Salvage and Subrogation 11 14 Reinsurance Premium 11 15 Sanctions 12 16 Late Payments 12 17 Offset 14 18 Severability of Interests and Obligations 14 19 Access to Records 14 20 Liability of the Reinsurer 15 21 Net Retained Lines (B

Second and Third Event Excess Catastrophe Reinsurance Contract Effective: July 1, 2020 FedNat Insurance Company Sunrise, Florida and Monarch National Insurance Company Sunrise, Florida and Maison Insurance Company Baton Rouge, Louisiana
Second and Third Event • November 9th, 2020 • FedNat Holding Co • Fire, marine & casualty insurance

Certain identified information has been omitted from this exhibit because it is not material and would be competitively harmful if publicly disclosed. Redactions are indicated by [***].

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