0001564590-15-002289 Sample Contracts

COMMUTATION ENDORSEMENT to AUTOMOBILE QUOTA SHARE REINSURANCE CONTRACT, EFFECTIVE DECEMBER 31, 2013 (Treaty #U4VT0008)
Commutation Endorsement • March 31st, 2015 • Affirmative Insurance Holdings Inc • Fire, marine & casualty insurance

WHEREAS, this COMMUTATION ENDORSEMENT (this “Commutation Endorsement”), entered into by and between Affirmative Insurance Company (the “Company”) and Ace American Insurance Company (the “Reinsurer”), effective the 31st day of March, 2015, is an endorsement to this Automobile Quota Share Reinsurance Contract (this “Contract”) (this Contract is attached as Exhibit A hereto and is incorporated herein by reference), effective December 31, 2013 through June 30, 2014, GC Reference U4VT0008, with the Company, whereby the Reinsurer, in consideration of payment of premium, reinsured certain risks insured by the Company; and

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FOURTH AMENDMENT AND WAIVER TO SECOND LIEN CREDIT AGREEMENT
Second Lien Credit Agreement • March 31st, 2015 • Affirmative Insurance Holdings Inc • Fire, marine & casualty insurance • New York

This FOURTH AMENDMENT AND WAIVER TO SECOND LIEN CREDIT AGREEMENT (this “Amendment”) is dated as of March 31, 2015 and effective as of December 31, 2014, and entered into by and among AFFIRMATIVE INSURANCE HOLDINGS, INC., a Delaware corporation (the “Borrower”), the lenders listed on the signature pages hereto, JCF AFFM DEBT HOLDINGS L.P., as Administrative Agent (in such capacity, the “Administrative Agent”) and as Collateral Agent (in such capacity, the “Collateral Agent”), and for purposes of Section 6 hereof, the other Loan Parties listed on the signature pages hereto. Capitalized terms used but not defined herein having the meaning given them in the Credit Agreement (as hereinafter defined).

COMMUTATION AND RELEASE AGREEMENT
Commutation and Release Agreement • March 31st, 2015 • Affirmative Insurance Holdings Inc • Fire, marine & casualty insurance • Illinois

COMMUTATION AND RELEASE AGREEMENT (the “Agreement”) entered into between Affirmative Insurance Company (the “Company”) and Greenlight Reinsurance Ltd. (the “Reinsurer”), effective the 24th day of March, 2015.

FOURTH AMENDMENT AND WAIVER TO CREDIT AGREEMENT
Credit Agreement • March 31st, 2015 • Affirmative Insurance Holdings Inc • Fire, marine & casualty insurance • New York

This FOURTH AMENDMENT AND WAIVER TO CREDIT AGREEMENT (this “Amendment”) is dated as of March 31, 2015 and effective as of December 31, 2014, and entered into by and among AFFIRMATIVE INSURANCE HOLDINGS, INC., a Delaware corporation (the “Borrower”), the lenders listed on the signature pages hereto, CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH, as Administrative Agent (in such capacity, the “Administrative Agent”) and as Collateral Agent (in such capacity, the “Collateral Agent”), and for purposes of Section 6 hereof, the other Loan Parties listed on the signature pages hereto. Capitalized terms used but not defined herein having the meaning given them in the Credit Agreement (as hereinafter defined).

COMMUTATION AND RELEASE AGREEMENT
Commutation and Release Agreement • March 31st, 2015 • Affirmative Insurance Holdings Inc • Fire, marine & casualty insurance • Illinois

COMMUTATION AND RELEASE AGREEMENT (the “Agreement”) entered into between Affirmative Insurance Company (the “Company”) and Third Point Reinsurance Company Ltd. (the “Reinsurer”), effective the 1st day of January, 2015.

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