EXHIBIT 10.23 CITIZENS CORPORATION AND SUBSIDIARIES CONSOLIDATED SERVICE AGREEMENT AGREEMENT effective January 1, 1998, between ALLMERICA FINANCIAL CORPORATION ("Parent") and AAM GROWTH & INCOME FUND L.L.C., AAM HIGH YIELD FUND, L.L.C., AAM EQUITY...And Subsidiaries Consolidated Service Agreement • March 27th, 1998 • Citizens Corp /De/ • Life insurance • Massachusetts
