0001104659-07-003744 Sample Contracts

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TRADITIONAL PROGRAM BUSINESS POOL MANAGEMENT AGREEMENT
Traditional Program Business Pool Management Agreement • January 22nd, 2007 • Tower Group, Inc. • 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”).

SPECIALTY PROGRAM BUSINESS POOLING AGREEMENT
Specialty Program Business Pooling Agreement • January 22nd, 2007 • Tower Group, Inc. • 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”).

MASTER AGREEMENT
Master Agreement • January 22nd, 2007 • Tower Group, Inc. • Fire, marine & casualty insurance • New York

This Agreement (“Agreement”) is made this 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”).

TRADITIONAL PROGRAM BUSINESS POOLING AGREEMENT
Traditional Program Business Pooling Agreement • January 22nd, 2007 • Tower Group, Inc. • 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 • January 22nd, 2007 • Tower Group, Inc. • 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”).

Amendment No.1 To Amended and Restated Specialty Program Business and Insurance Risk Sharing Business Quota Share Reinsurance Agreement
Specialty Program Business and Insurance Risk Sharing Business Quota Share Reinsurance Agreement • January 22nd, 2007 • Tower Group, Inc. • 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.

Amendment No. 1 To Traditional Program Business Amended and Restated Quota Share Reinsurance Agreement
Quota Share Reinsurance Agreement • January 22nd, 2007 • Tower Group, Inc. • 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.

Addendum No. 1 to MASTER AGREEMENT
Addendum to Master Agreement • January 22nd, 2007 • Tower Group, Inc. • 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”.

BROKERAGE BUSINESS POOL MANAGEMENT AGREEMENT
Brokerage Business Pool Management Agreement • January 22nd, 2007 • Tower Group, Inc. • 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”).

Amendment No.1 To Amended and Restated Brokerage Business Quota Share Reinsurance Agreement
Brokerage Business Quota Share Reinsurance Agreement • January 22nd, 2007 • Tower Group, Inc. • 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.

SPECIALTY PROGRAM BUSINESS POOL MANAGEMENT AGREEMENT
Specialty Program Business Pool Management Agreement • January 22nd, 2007 • Tower Group, Inc. • 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”).

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