<SEC-DOCUMENT>0001095073-20-000039.txt : 20201001
<SEC-HEADER>0001095073-20-000039.hdr.sgml : 20201001
<ACCEPTANCE-DATETIME>20200930184007
ACCESSION NUMBER:		0001095073-20-000039
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		17
CONFORMED PERIOD OF REPORT:	20200930
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20201001
DATE AS OF CHANGE:		20200930

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			EVEREST RE GROUP LTD
		CENTRAL INDEX KEY:			0001095073
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				980365432
		STATE OF INCORPORATION:			D0
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15731
		FILM NUMBER:		201213717

	BUSINESS ADDRESS:	
		STREET 1:		SEON PLACE, 4TH FLOOR
		STREET 2:		141 FRONT STREET
		CITY:			HAMILTON
		STATE:			D0
		ZIP:			HM 19
		BUSINESS PHONE:		4412950006

	MAIL ADDRESS:	
		STREET 1:		C/O REINSURANCE HOLDINGS INC
		STREET 2:		477 MARTINSVILLE RD PO BOX 830
		CITY:			LIBERTY CORNER
		STATE:			NJ
		ZIP:			07938

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	EVEREST REINSURANCE GROUP LTD
		DATE OF NAME CHANGE:	19990915
</SEC-HEADER>
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font-size: 11.00pt">&#160;</span></p></div><div><p style="margin-bottom: 0;">&#160;</p></div></div></body></html>
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        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="element25" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element25" xlink:to="label25" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="element26" />
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        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeTaxReceivable" xlink:label="element27" />
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        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeTaxReceivable" xlink:label="element28" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element28" xlink:to="label28" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestExpense" xlink:label="element29" />
        <label xlink:type="resource" xlink:label="label29" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestExpense_en-US">Interest, fees and bond issue cost amortization expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element29" xlink:to="label29" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestExpense" xlink:label="element30" />
        <label xlink:type="resource" xlink:label="label30" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_InterestExpense_en-US">Interest, fee and bond issue cost amortization expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element30" xlink:to="label30" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="element31" />
        <label xlink:type="resource" xlink:label="label31" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LiabilitiesAbstract_en-US">LIABILITIES:</label>
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        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherAssets" xlink:label="element32" />
        <label xlink:type="resource" xlink:label="label32" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherAssets_en-US">Other assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element32" xlink:to="label32" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherAssets" xlink:label="element33" />
        <label xlink:type="resource" xlink:label="label33" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherAssets_en-US">Other invested assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element33" xlink:to="label33" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:label="element34" />
        <label xlink:type="resource" xlink:label="label34" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_en-US">Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Net of Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element34" xlink:to="label34" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:label="element35" />
        <label xlink:type="resource" xlink:label="label35" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_en-US">Unrealized appreciation (depreciation) ("URA(D)") on securities arising during the period</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element35" xlink:to="label35" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherCostAndExpenseOperating" xlink:label="element36" />
        <label xlink:type="resource" xlink:label="label36" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherCostAndExpenseOperating_en-US">Other Cost and Expense, Operating</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element36" xlink:to="label36" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherCostAndExpenseOperating" xlink:label="element37" />
        <label xlink:type="resource" xlink:label="label37" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_OtherCostAndExpenseOperating_en-US">Other underwriting expenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element37" xlink:to="label37" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="element38" />
        <label xlink:type="resource" xlink:label="label38" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherLiabilities_en-US">Other liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element38" xlink:to="label38" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:label="element39" />
        <label xlink:type="resource" xlink:label="label39" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_PensionPlansDefinedBenefitMember_en-US">Pension Plans Defined Benefit [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element39" xlink:to="label39" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:label="element40" />
        <label xlink:type="resource" xlink:label="label40" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_PensionPlansDefinedBenefitMember_en-US">Defined Benefit Pension Plan [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element40" xlink:to="label40" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_RelatedPartyDomain" xlink:label="element41" />
        <label xlink:type="resource" xlink:label="label41" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_RelatedPartyDomain_en-US">Related Party [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element41" xlink:to="label41" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_RelatedPartyDomain" xlink:label="element42" />
        <label xlink:type="resource" xlink:label="label42" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_RelatedPartyDomain_en-US">Related Party [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element42" xlink:to="label42" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_RetirementPlanTypeDomain" xlink:label="element43" />
        <label xlink:type="resource" xlink:label="label43" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_RetirementPlanTypeDomain_en-US">Retirement Plan Type [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element43" xlink:to="label43" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_RetirementPlanTypeDomain" xlink:label="element44" />
        <label xlink:type="resource" xlink:label="label44" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_RetirementPlanTypeDomain_en-US">Retirement Plan Type [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element44" xlink:to="label44" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_Revenues" xlink:label="element45" />
        <label xlink:type="resource" xlink:label="label45" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_Revenues_en-US">Revenues</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element45" xlink:to="label45" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_Revenues" xlink:label="element46" />
        <label xlink:type="resource" xlink:label="label46" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_Revenues_en-US">Total revenues</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element46" xlink:to="label46" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SegmentDomain" xlink:label="element47" />
        <label xlink:type="resource" xlink:label="label47" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_SegmentDomain_en-US">Segment [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element47" xlink:to="label47" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SegmentDomain" xlink:label="element48" />
        <label xlink:type="resource" xlink:label="label48" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_SegmentDomain_en-US">Reporting Segment [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element48" xlink:to="label48" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SellingAndMarketingExpense" xlink:label="element49" />
        <label xlink:type="resource" xlink:label="label49" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_SellingAndMarketingExpense_en-US">Commission, brokerage, taxes and fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element49" xlink:to="label49" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SellingAndMarketingExpense" xlink:label="element50" />
        <label xlink:type="resource" xlink:label="label50" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_SellingAndMarketingExpense_en-US">Commission and brokerage</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element50" xlink:to="label50" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="element51" />
        <label xlink:type="resource" xlink:label="label51" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_en-US">Transfers And Servicing Of Financial Instruments Types Of Financial Instruments [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element51" xlink:to="label51" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="element52" />
        <label xlink:type="resource" xlink:label="label52" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_en-US">Major Types of Debt and Equity Securities [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element52" xlink:to="label52" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CoverAbstract" xlink:label="element53" />
        <label xlink:type="resource" xlink:label="label53" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_CoverAbstract_en-US">Document and Entity Information [Abstract]</label>
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        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:label="element54" />
        <label xlink:type="resource" xlink:label="label54" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityAddressAddressLine1_en-US">Entity Address Address Line 1</label>
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        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine2" xlink:label="element55" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element55" xlink:to="label55" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine3" xlink:label="element56" />
        <label xlink:type="resource" xlink:label="label56" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityAddressAddressLine3_en-US">Entity Address Address Line 3</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element56" xlink:to="label56" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag" xlink:label="element57" />
        <label xlink:type="resource" xlink:label="label57" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_AmendmentFlag_en-US">Amendment Flag</label>
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        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:label="element58" />
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        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:label="element59" />
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        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCountry" xlink:label="element60" />
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>5
<FILENAME>ex991.htm
<DESCRIPTION>EXHIBIT 99-1
<TEXT>
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LTD.</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:10.2pt;margin-right:0in;margin-top:2.9pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Seon Place, 141 Front
Street, 4<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Floor, Hamilton HM 19, Bermuda</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:.05pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:9.4pt;margin-right:0in;margin-top:4.55pt;"><u><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Contacts</font></u></p>

<p style="margin-bottom:.0001pt;margin-left:9.4pt;margin-right:0in;margin-top:.05pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:12.6pt;">Media:</font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;letter-spacing:-.05pt;line-height:12.6pt;"> </font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:12.6pt;">Dane&nbsp;</font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;letter-spacing:-.05pt;line-height:12.6pt;"> </font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:12.6pt;">Lopes&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Investors:
Jon</font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;letter-spacing:-.2pt;line-height:12.6pt;"> </font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:12.6pt;">Levenson&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:9.4pt;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:12.6pt;">Group Head of Marketing</font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;letter-spacing:-.4pt;line-height:12.6pt;"> </font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:12.6pt;">&amp;&nbsp;</font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;letter-spacing:-.1pt;line-height:12.6pt;"> </font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:12.6pt;">Communications&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Head
of Investor</font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;letter-spacing:.05pt;line-height:12.6pt;"> </font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:12.6pt;">Relations&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:9.4pt;margin-right:0in;margin-top:.1pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:12.6pt;">Everest Global</font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;letter-spacing:-.1pt;line-height:12.6pt;"> </font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:12.6pt;">Services,&nbsp;</font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;letter-spacing:-.1pt;line-height:12.6pt;">
</font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:12.6pt;">Inc.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Everest
Global Services, Inc.</font></p>

<p style="margin-bottom:.0001pt;margin-left:9.4pt;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:12.6pt;">203.388.3977&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 908.604.3169</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:.5pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p align="right" style="margin-bottom:.0001pt;margin-left:0in;margin-right:5.0pt;margin-top:.05pt;text-align:right;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">For
Immediate Release</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:.2pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p align="center" style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Everest Re Appoints Mark Kociancic
Group Chief Financial Officer and</font></b></p>

<p align="center" style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#160;Jim Williamson Group Chief
Operating Officer</font></b></p>

<p align="center" style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;letter-spacing:-.15pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">HAMILTON,
Bermuda -- (BUSINESS WIRE) &#8211; September 30, 2020</font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;letter-spacing:-.15pt;line-height:normal;"> &#8211; </font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Everest Re Group, Ltd. (&#8220;Everest&#8221;) today announced the
appointment of Mark Kociancic as Executive Vice President and Group Chief
Financial Officer and Jim Williamson as Executive Vice President and Group
Chief Operating Officer. Both will serve on the Everest Executive Leadership
Committee and report directly to President and Chief Executive Officer Juan C.
Andrade. </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">These
leadership appointments support the company&#8217;s strategy of profitably growing a
balanced and diversified insurance and reinsurance portfolio, underpinned by
the relentless execution of our strategies, to maximize shareholder returns and
deliver earnings and book value per share growth over time.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Mr.
Kociancic joins Everest from SCOR, where he most recently served as Group Chief
Financial Officer since 2013.&#160; He had previously served in various senior
executive roles with SCOR&#8217;s U.S. operations beginning in 2006, prior to being
named Group Deputy Chief Financial Officer in 2012 and then Group Chief
Financial Officer. He holds a CPA designation from the Canadian Institute of
Chartered Accountants and a CFA designation from the Chartered Financial
Analysts Institute. Mr. Kociancic&#8217;s appointment is effective October 12. </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Mr.
Kociancic will succeed Craig Howie, who will stay with Everest through December
31, 2020, to ensure an orderly transition.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>




<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_2"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Mr.
Williamson joins Everest from Chubb, where he most recently served as Division
President, Small Business. He previously served in various senior executive
roles with Chubb&#8217;s North America and International operations, as well as at
The Hartford. </font><font face="Times New Roman,serif" lang="PT" style="font-size:11.0pt;line-height:normal;">His
</font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">expertise includes
underwriting, operations, distribution, and the application of technology
across these disciplines.&#160; He started his professional career at Bain &amp;
Co.&#160; Mr. Williamson will be primarily responsible for advancing underwriting
excellence, digital transformation, innovation, and efficiency across the
Group. His appointment is effective October 5.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Juan
C. Andrade, President and Chief Executive Officer commented, &#8220;Mark and Jim are
exceptionally talented executives who bring a wealth of experience, operational
acumen, and global industry knowledge to Everest. Mark is a seasoned CFO with
deep global expertise across the entire finance function and with strong
capital markets and investments experience. Jim is a strategic leader with </font><font face="Times New Roman,serif" lang="PT" style="font-size:11.0pt;line-height:normal;">extensive Property &amp;
Casualty industry experience and an excellent track record of building,
growing, and running profitable businesses. </font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">I am very excited to partner with them, and the rest
of our executive management team, to build upon our strong foundation and
deliver our strategic objectives in the next chapter of Everest&#8217;s journey.&#8221;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Mr.
Andrade continued, &#8220;On behalf of the executive management team, I want to thank
Craig Howie for his dedication to this organization over the past eight years.
He has been an instrumental leader and an important contributor to Everest&#8217;s
evolution, and we wish him the best in his next endeavor.&#8221;&#160; </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Mr.
Kociancic stated, &#8220;I am delighted to be joining Everest and I am excited about
its bright future. I look forward to working with Juan, the executive
leadership team, and the finance organization to further enhance our
capabilities and build upon Everest&#8217;s strong franchise.&#8221;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Mr.
Williamson commented, &#8220;I am excited to join the high performing team at
Everest. This team has built best in class capabilities in reinsurance and
insurance, and the Company has incredible potential to continue its track
record of profitable growth. I look forward to working with Juan and the rest
of the team to lead Everest to greater heights.&#8221;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-decoration:none;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-decoration:none;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><u><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">About Everest Re Group,</font></u><u><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;letter-spacing:-.25pt;line-height:normal;"> </font></u><u><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Ltd.&nbsp;</font></u></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:.5pt;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:5.1pt;margin-top:4.55pt;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Everest
Re Group, Ltd. (&#8220;Everest&#8221;) is a leading global provider of reinsurance and
insurance, operating for close to 50 years through subsidiaries in the U.S.,
Europe, Singapore, Canada, Bermuda and other</font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;letter-spacing:-.15pt;line-height:normal;">
</font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">territories.&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:.05pt;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:5.3pt;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Everest
offers property, casualty, and specialty products through its various operating
affiliates located in key markets around the world.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:.55pt;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Everest
common stock (NYSE:RE) is a component of the S&amp;P 500 index.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:12.65pt;">Additional
information about Everest, our people, and our products can be found on our
website at </font><i><font color="blue" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:12.65pt;">www.everestre.com</font></i><font color="blue" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:12.65pt;">. </font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:12.65pt;">All issuing companies may not do
business in all jurisdictions.</font></p>



</div><hr noshade="" align="center" width="100%" size="2"></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>6
<FILENAME>ex101.htm
<DESCRIPTION>EXHIBIT 10-1
<TEXT>
<html>

<head>
    <meta content="text/html; charset=utf-8">




&nbsp;
    <!-- Licensed to: Everest Reinsurance
         Document created using EDGARfilings PROfile 7.0.1.0
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<body><a name="page_1"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Calibri,sans-serif" lang="EN-US" style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:16.6pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><u><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">EMPLOYMENT
AGREEMENT </font></u></b></p>

<p style="margin-bottom:12.0pt;margin-left:9.75pt;margin-right:0in;margin-top:0in;text-indent:37.35pt;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">This Employment
Agreement (&quot;Agreement&quot;) is made and effective as of October 12, 2020
between Everest Global Services, Inc., a Delaware corporation (the
&quot;Company&quot;), and Mark Kociancic&#160; (the &quot;Executive&quot;). </font></p>

<p style="margin-bottom:12.0pt;margin-left:9.75pt;margin-right:0in;margin-top:0in;text-indent:37.35pt;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">WHEREAS, the Company
desires to employ the Executive and the Executive desires to be employed by the
Company, on the terms and conditions provided below; and </font></p>

<p style="margin-bottom:12.0pt;margin-left:9.75pt;margin-right:0in;margin-top:0in;text-indent:37.35pt;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">WHEREAS, this Agreement
shall govern the employment relationship between Executive and the Company and
supersedes all previous agreements and understandings with respect to such
employment relationship; and </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:47.35pt;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">NOW, THEREFORE, in consideration of the promises and mutual
covenants contained herein and for other good and valuable consideration, the
receipt of which is hereby acknowledged, the parties hereto agree as follows:</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">ENGAGEMENT</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:9.75pt;margin-right:0in;margin-top:0in;text-indent:37.35pt;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The Company agrees to
employ the Executive, and the Executive accepts such employment, on the terms
and conditions set forth in this Agreement, unless and until such employment
shall have been terminated as provided in this Agreement or as may otherwise be
agreed to by the parties. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">TITLE
AND DUTIES</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:9.75pt;margin-right:0in;margin-top:0in;text-indent:37.35pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">During his employment by the
Company, the Executive shall serve as Executive Vice President and Chief
Financial Officer of Everest Re Group, Ltd. (&#8220;Group&#8221;).&#160; Executive will report
to the Group Chief Executive Officer (&#8220;Group CEO&#8221;) and shall perform duties
consistent with this position and as the Group CEO shall request, shall abide
by Company policies as such policies may be amended from time to time, and
shall devote his full business time and best efforts to his duties hereunder
and the business and affairs of the Company (except during vacation periods and
periods of illness or other incapacity).&#160; The Executive may volunteer a
reasonable portion of his non-working time to charitable, civic and
professional organizations, as shall not interfere with the proper performance
of his duties and obligations hereunder, provided the Executive shall not serve
on any other board of directors of a public or private &quot;for profit&quot; company
without the prior consent of the Group CEO.&#160; Executive will be based at the
Company's principal headquarters facility currently located in Liberty Corner,
New Jersey, subject to customary travel and business requirements.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">TERM</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Executive&#8217;s
term of employment shall commence as of the later of (i) October 12, 2020 or
(ii) the date on which Executive is released from any notice period and/or
non-competition restriction by his current employer (&#8220;Term Commencement Date&#8221;)
or such other date as may be mutually agreed upon and shall continue in effect
up through and including the third anniversary of the Term Commencement Date
(&#8220;Term Conclusion Date&#8221;), unless sooner terminated in accordance with this
Agreement or as may otherwise be agreed to by the parties. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">COMPENSATION</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Base
Salary</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160;
During the Term, Executive's base salary (&quot;Base Salary&quot;) shall be
$875,000 per annum, subject to increases, if any, as determined and approved by
the Compensation Committee of Group&#8217;s Board of Directors (the &#8220;Compensation
Committee&#8221;). The Base Salary shall be paid in accordance with the Company's
normal payroll practices in effect from time to time.&#160; </font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_2"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Annual Incentive Bonus</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. During the Term, Executive shall be eligible to participate in
an annual incentive bonus program or plan established by Group, and subject to
the approval of Group&#8217;s shareholders if required by law, or in an alternative
bonus to be consistent with current market industry practice. Executive's
target annual incentive bonus will be 130% of Base Salary.&#160; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Executive
shall be entitled to a one-time sign-on bonus of five hundred thousand U.S.
dollars ($500,000) (the &#8220;Minimum Bonus&#8221;).&#160; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Executive
shall also be eligible to receive a prorated performance incentive bonus for
the 2020 fiscal year based on actual performance achieved against certain
financial performance metrics adopted by the Compensation Committee as part of
the executive performance incentive plan and calculated in the following
manner:</font></p>

<p style="margin-bottom:6.0pt;margin-left:1.75in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:115%;">1)</font><font face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:115%;">A
determination is made as to the potential bonus Executive would have been
eligible to receive based on the financial metrics adopted by the Compensation
Committee in accordance with the executive performance incentive plan had
Executive been employed by the Company for the entire 2020 fiscal.</font></p>

<p style="margin-bottom:6.0pt;margin-left:1.75in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:115%;">2)</font><font face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:115%;">The
potential bonus is then prorated for the period in 2020 that Executive is in
the employ of the Company (the &#8220;Performance Bonus&#8221;). The pro rata portion shall
be calculated based on actual business days the Executive is employed by the
Company during calendar year 2020 divided by the total annual business days for
the 2020 calendar year.</font></p>

<p style="margin-bottom:6.0pt;margin-left:1.75in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:115%;">3)</font><font face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:115%;">If the Performance
Bonus exceeds the Minimum Bonus, Executive shall be entitled to receive the
excess amount.&#160; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Executive
shall be paid the incentive bonus awards referred to in sections (i) and (ii)
above no later than March 15, 2021, provided that Executive is employed by the
Company on the date of payment. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Executive
Stock Based Incentive Plan</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; During the Term, the Executive shall be eligible to participate in
and receive such equity incentive compensation as may be granted by the
Compensation Committee from time to time pursuant to the Everest Re Group, Ltd.
2020 Stock Incentive Plan, as such plan may then be in effect and as it may be
amended or superseded from time to time or any successor plan (the &quot;Stock
Plan&quot;). Executive&#8217;s target value for equity compensation shall be 170% of Executive's
Base Salary as applicable to the fiscal year prior to the calendar year in
which the Compensation Committee makes its determination to grant such a share
award.&#160;
All equity awards to the Executive under the Stock Plan shall be determined by
the Compensation Committee in its sole discretion.&#160; Except as expressly set
forth in this Agreement, all equity awards shall be subject to the terms of the
Stock Plan.&#160;
</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Sign
On Equity Grant</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; In consideration of Executive&#8217;s agreement to enter into this
Agreement and in recognition of the need to retain the Executive in the future
and subject to the Executive commencing his duties in accordance with this
Agreement on the Term Commencement Date</font><b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">,&nbsp;</font></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;"> or such other date as may be
mutually agreed to between the Parties, the Company has agreed, subject to
approval and award by the Compensation Committee, to make a one-time grant of
restricted shares with a target value equal to five million U.S. dollars
($5,000,000) (the &#8220;Retention Grant&#8221;).&#160; The number of shares subject to the
Retention Grant will be determined by dividing the applicable target value by
the closing price of a common share of Group on the New York Stock Exchange on
the date of the next meeting of the Compensation Committee after the effective
date of this Agreement at which the Compensation Committee approves and awards
the Retention Grant (the &#8220;Grant Date&#8221;). The Retention Grant will be subject to
the terms and conditions of the 2020 Stock Incentive Plan. </font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_3"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Subject
to the Executive&#8217;s
continued employment throughout the applicable vesting period, the restricted
shares of the Retention Grant shall vest over a five (5)-year period with
one-fifth of the total amount vesting on each of the first five anniversaries
of the Grant Date. If the Executive is terminated without Cause (as defined
below), or due to Disability (as defined below), or due to death, or if the
Executive resigns for Good Reason (as defined below) (each such termination
referred to as a &#8220;Vesting Termination&#8221;), then subject to (except in the case of
Executive&#8217;s death) the Executive signing and not revoking a release of claims
as required pursuant to Section 6(h) below, the Executive will become fully
vested in the Retention Grant to the extent not previously vested. The release
must be executed, and any revocation period must have expired, within sixty
(60) days after such termination date.&#160; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Notwithstanding the
foregoing, in the event the Executive incurs a termination with Cause or if the
Executive resigns without Good Reason, or in the event the release does not
become effective within sixty (60) days after termination date as required
following a Vesting Termination, the Executive shall immediately forfeit any
portion of the Retention Grant not previously vested as of the date of
termination.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">BENEFITS</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Employer
Benefit Plans</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; While in the employ of the Company, Executive shall be eligible
to participate, on terms which are generally available to the other senior
executives of the Company and subject to the eligibility requirements of the
applicable Company plans as in effect from time to time, in the Company&#8217;s
deferred compensation, medical, dental, vacation, life insurance and disability
programs and other benefits that may become generally available to the
Company&#8217;s senior executives from time to time.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Business
Expenses</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160;
The Executive is authorized to incur and the Company shall either pay directly
or reimburse the Executive for ordinary and reasonable expenses in connection
with the performance of his duties hereunder including, but not limited to,
expenses for transportation, business meals, travel and lodging, professional
fees, and similar items. The Executive agrees to comply with Company policies
with respect to reimbursement and record keeping in connection with such
expenses. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Retirement
Benefits</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160;
Executive shall be eligible to participate in the Company's existing
tax-qualified defined contribution retirement plan and the Company's defined
contribution supplemental retirement and excess benefit plans (collectively
&#8220;SERP&#8221;), as they may be in effect from time to time.&#160;&#160; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Car
Allowance</font></u><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. The Company shall provide Executive $1,000 per month as a car
allowance to be applied toward the purchase or lease of a vehicle. This car
allowance will be paid to Executive as part of the standard payroll and will be
reported as income on Executive&#8217;s year-end W-2 form</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">TERMINATION
OF EMPLOYMENT</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The
employment of the Executive hereunder may be terminated by the Company at any time,
subject to the Company providing the compensation and benefits in accordance
with the terms of this Section 6, which shall constitute the Executive's sole
and exclusive remedy and legal recourse upon any such termination of
employment, and the Executive hereby waives and releases any and all other
claims against the Company and its parent entities, affiliates, officers,
directors and employees in such event. </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Termination
Due To Death Or Disability</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; In the event of the Executive's death, Executive's employment
shall automatically cease and terminate as of the date of death. If Executive
shall become incapacitated by reason of sickness, accident or other physical or
mental disability, as such incapacitation is certified in writing by a
physician chosen by the Company and reasonably acceptable to Executive (or his
spouse or representative if in the Company's reasonable determination Executive
is not then able to exercise sound judgment), and shall therefore be unable to
perform his duties hereunder for a period of either (i) one hundred twenty
consecutive days, or (ii) more than six months in any twelve month period, with
reasonable accommodation as required by law, then to the extent consistent with
applicable law, Executive shall be considered &quot;Disabled&quot; and the
employment of Executive hereunder and this Agreement may be terminated by
Executive or the Company upon thirty (30) days' written notice to the other
party following such certification.&#160; </font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_4"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">In the event of the termination of employment due to Executive's
death or disability, Executive or his estate or legal representatives shall be
entitled to receive: </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">payment
for all accrued but unpaid Base Salary as of the date of Executive's
termination of employment; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">reimbursement
for expenses incurred by the Executive pursuant to Section 5(b) up to and
including the date on which employment is terminated; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">any
earned benefits to which the Executive may be entitled as of the date of
termination pursuant to the terms of any compensation or benefit plans (including,
for the avoidance of doubt, any equity plans) to the extent permitted by such
plans (with the payments described in subsections (i) through (iii) of this
Section 6(a), in each case payable at the time they would have been payable but
for such termination, collectively called the &quot;Accrued Payments&quot;); </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">any
annual incentive bonuses earned but not yet paid for any completed full fiscal
year immediately preceding the employment termination date; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">if
employment termination occurs prior to the end of any fiscal year, a pro rata
annual incentive bonus for such fiscal year in which employment termination
occurs (based on actual business days in such fiscal year prior to such
employment termination, divided by the total annual business days) determined and
paid based on actual performance achieved for that fiscal year against the
performance goals for that fiscal year. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Termination
For Cause</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; The Company may, at any time, terminate Executive's employment
for Cause.&#160; The term &quot;Cause&quot; for purpose of this Agreement shall mean
(i) repeated and gross negligence in fulfillment of, or repeated failure of
Executive to fulfill, his material obligations under this Agreement, (ii)
material willful misconduct by Executive in respect of his obligations
hereunder, (iii) conviction of any felony, or any crime of moral turpitude, or
(iv) a material breach in trust committed in willful or reckless disregard of
the interests of the Company or its affiliates or undertaken for personal gain,
provided that no such determination may be made until Executive has been given
written notice detailing the specific event(s) constituting such Cause and an
opportunity to appear before the Group Board (with legal counsel if so
requested in writing by Executive) to discuss, and if possible cure, the
specific circumstances alleged to give rise to such Cause.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:6.85pt;margin-top:0in;text-indent:37.5pt;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">In the
event of the termination of Executive's employment hereunder by the Company for
Cause, then Executive shall be entitled to receive only payment of the Accrued
Payments.&#160; The Company shall have no further obligations to Executive. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Termination
without Cause or for Good Reason</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; The Company may terminate Executive's employment hereunder
without Cause at any time.&#160; Such notice shall specify the effective date of the
termination of Executive's employment.&#160; The Executive may terminate his
employment for Good Reason by providing 30 days' prior written notice to the
Company.&#160; In the event of the termination of Executive's employment under this
Section 6(c) without Cause or by the Executive for Good Reason, in each case
prior to or more than 24 months following a Material Change (as defined in the
Everest Reinsurance Group, Ltd. Senior Executive Change of Control Plan, as
amended and restated effective November 17, 2015), then Executive shall be
entitled to: </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:16.15pt;">payment
of the Accrued Payments; </font></p>

<p style="margin-bottom:10.25pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">a
separation allowance, payable in equal installments in accordance with normal
payroll practices over a 12 month period beginning immediately following the
date of termination, equal to (2) times the sum of the Executive's then Base
Salary; </font></p>

<p style="margin-bottom:10.25pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">payment
of any annual incentive bonuses earned but not yet paid for any completed full
fiscal year immediately preceding the employment termination date; </font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_5"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:10.25pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">all of Executive's then unvested restricted stock or restricted
stock units granted to Executive will continue to vest and restrictions lapse
in accordance with their respective terms over the 12 month period immediately
following such termination date, conditioned on the Company receiving from
Executive the release of claims referred to in Section 6(h) below; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">the
Company shall arrange for the Executive to continue to participate on
substantially the same terms and conditions as in effect for the Executive
(including any required contribution) immediately prior to such termination, in
the disability and life insurance programs provided to the Executive pursuant
to Section 5(a) hereof until the earlier of (i) the end of the 12 month period
beginning on the effective date of the termination of Executive's employment
hereunder, or (ii) such time as the Executive is eligible to be covered by comparable
benefit(s) of a subsequent employer.&#160; The foregoing of this Section 6(c)(v) is
referred to as &quot;Benefits Continuation&quot;.&#160; In addition, the Company
agrees to pay Executive a lump sum cash payment in order to enable Executive to
pay for medical and dental coverage (through COBRA or otherwise) that is
comparable to the medical and dental coverage in effect for Executive (and his
dependents, if any) immediately prior to his termination of employment, with
such cash amount equal to the cost of the premiums for such coverage that would
apply if Executive were to elect COBRA continuation coverage under the
Company&#8217;s medical and dental plans following his termination of employment and
continue such coverage for the 12 month period beginning on the date of Executive&#8217;s
termination of employment.&#160; The Executive agrees to notify the Company promptly
if and when he begins employment with another employer and if and when he
becomes eligible to participate in any benefit or other welfare plans, programs
or arrangements of another employer. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:37.35pt;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">For purposes of this Agreement, the term &quot;Good Reason&quot;
means, without Executive's written consent: (i) a materially adverse change in
the nature or status of his position or responsibilities; (ii) a change in the
reporting structure where Executive finds himself no longer reporting to the
Group CEO; (iii) a reduction by the Company in the Base Salary set forth in
this Agreement; or (iv) a material breach of this Agreement by the Company.&#160;
Provided that the Executive may only exercise his right to terminate this
Agreement for Good Reason within the 60 day period immediately following the
occurrence of any of the events described in subsections (i) through (iv) above
if:</font></p>

<p style="margin-bottom:.0001pt;margin-left:55.35pt;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Symbol" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Executive
provides written notice of such event or breach to the Company; and</font></p>

<p style="margin-bottom:.0001pt;margin-left:55.35pt;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Symbol" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">such breach is
not remedied by the Company or the parties fail to renegotiate the pertinent
terms of the Agreement in good faith within 30 days of Company receiving
written notice of the breach.</font></p>

<p style="margin-bottom:.0001pt;margin-left:1.25in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Termination
of Employment without Cause or for Good Reason following a Change-in-Control</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; If the Company
terminates Executive's employment without Cause or Executive terminates his
employment for Good Reason, in each case within 24 months following a Material
Change (as defined in the Everest Reinsurance Group, Ltd. Senior Executive
Change of Control Plan, as amended and restated effective November 17, 2015),
the Company&#8217;s sole obligation will be to provide to Executive the benefits
provided in that Change of Control Plan. </font></p>

<p style="margin-bottom:10.6pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Voluntary
Termination by the Executive without Good Reason</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; In the event
Executive terminates his employment without Good Reason, he shall provide 90
days prior written notice of such termination to the Company. Upon such
voluntary termination, the Executive will be entitled to the Accrued Payments.
Without limiting all other rights and remedies of the Company under this
Agreement or otherwise, a termination of employment by the Executive without
Good Reason upon proper notice, will not constitute a breach by the Executive
of this Agreement. </font></p>

<p style="margin-bottom:10.6pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Resignation
from all Boards</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; Upon any termination or cessation of Executive's employment
with the Company, for any reason, Executive agrees immediately to resign, and
any notice of termination or actual termination or cessation of employment
shall act automatically to effect such resignation, from any position on the
Board and on any board of directors of any subsidiary or affiliate of the
Company.</font></p>

<p style="margin-bottom:10.6pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Non-Disparagement</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; Upon Executive&#8217;s
termination or cessation of employment with the Company, neither party shall
make any comments, oral or written, or take any other action that could be
construed as materially disparaging to the other.</font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_6"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:10.6pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Release of Claims as Condition</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; The Company's obligation to pay the
separation allowance and provide all other benefits and rights (including equity
vesting) referred to in this Agreement shall be conditioned upon the Executive
having delivered to the Company an executed full and unconditional release of
claims against the Company, its parent entities, affiliates, employee benefit
plans and fiduciaries, officers, employees, directors, agents and
representatives satisfactory in form and content to the Company's counsel.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Termination
and Clawback</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; Notwithstanding anything in this Agreement to the contrary, if
the Executive engages in material willful misconduct in respect of his
obligations hereunder, including, but not limited to, fraudulent misconduct,
during the term of this Agreement or during the period in which he is otherwise
entitled to receive payments hereunder following his termination of employment,
then (1) the Executive shall be required to repay to the Company any incentive
compensation (including equity awards) paid to the Executive during or with
respect to the period in which he engaged in such misconduct, as determined by
a majority of the Board of Directors of Group in its sole discretion, provided
that no such determination may be made until Executive has been given written
notice detailing the specific event constituting such material willful
misconduct and an opportunity to appear before the Group Board (with legal
counsel if so requested in writing by Executive) to discuss, and if possible
cure, the specific circumstances alleged to give rise to the material willful
misconduct; and (2) upon such determination, if Executive has begun to receive
payments or benefits under Section 6(c)(ii), (iii), (iv) and (v), then such
payments and benefits shall immediately terminate, and Executive shall be
required to repay to the Company the payments and the value of the benefits
previously provided to him hereunder.</font></p>

<p style="margin-bottom:10.6pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">No
Mitigation</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; Except as provided in section 6(c)(v), in no event shall
Executive be obligated to seek other employment or take any other action by way
of mitigation of the amounts payable to Executive under any of the provisions
of this Agreement, nor shall the amount of any payment hereunder be reduced by
any compensation earned by Executive as a result of subsequent employment. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Time
for Payment</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; Subject to the terms and conditions set forth in Section 14,
and except as otherwise expressly stated herein, benefits payable pursuant to
this Section 6, if any, shall be paid within sixty (60) days following
Executive&#8217;s termination of employment.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">AGREEMENT
RENEWAL/RENEGOTIATION.</font></u></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-decoration:none;">&nbsp;</font></b></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Agreement
to Extend or Renegotiate</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. The Parties agree to meet and discuss an extension or
renegotiation of this Agreement no later than 4 months before the Term
Conclusion Date.&#160; Any such extension or renegotiation of the terms and
conditions of this Agreement shall be mutually agreed upon and submitted in
writing to the Executive.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Automatic
Renewal.</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">
If the Parties fail to agree upon a mutually acceptable extension or
renegotiation of the terms of this Agreement in accordance with this Section
7(a), then upon the Term Conclusion Date this Agreement shall continue in full
force and effect and all terms and conditions contained herein shall continue
to apply and be enforceable subject to the following exceptions:</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The
provisions of Section 3 &#8211; TERM are deleted and replaced with the following:</font></p>

<p style="margin-bottom:12.0pt;margin-left:1.0in;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#8220;This Agreement shall commence as of' September 8, 2020 (&#8220;Term
Commencement Date&#8221;), and shall continue indefinitely unless sooner terminated
in accordance with this Agreement or as may otherwise be agreed to by the
Parties.&#8221; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The
provisions of Section 4(a) are deleted and replaced with the following:</font></p>

<p style="margin-bottom:.0001pt;margin-left:1.0in;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#8220;Base Salary.&#160;
Executive's base salary (&quot;Base Salary&quot;) in effect at the most recent
Term Conclusion Date shall continue to be paid in accordance with the Company's
normal payroll practices in effect from time to time.&#8221;</font></p>

<p style="margin-bottom:6.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">INDEMNIFICATION</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_7"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The Company agrees that the Executive shall be covered and insured
up to the full limits provided by all directors and officers insurance which
the Company then maintains to indemnify its directors and officers (and to indemnify
the Company for any obligations which it incurs as a result of its undertaking
to indemnify its officers and directors), subject to applicable deductibles and
to the terms and conditions of such policies. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">ARBITRATION</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:37.45pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The
parties shall use their best efforts and good will to settle all disputes by
amicable negotiations. The Company and Executive agree that, with the express
exception of any dispute or controversy arising under Sections 12 and 13 of
this Agreement, any controversy or claim arising out of or in any way relating
to Executive&#8217;s employment with the Company, including, without limitation, any
and all disputes concerning this Agreement and the termination of this
Agreement that are not amicably resolved by negotiation, shall be settled by
arbitration in New Jersey, or such other place agreed to by the parties, as
follows: </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:37.45pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Any
such arbitration shall be heard by a single arbitrator. Except as the parties
may otherwise agree, the arbitration, including the procedures for the
selection of an arbitrator, shall be conducted in accordance with the National
Rules for the Resolution of Employment Disputes of the American Arbitration
Association (&quot;AAA&quot;). </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:37.45pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">All
attorneys' fees and costs of the arbitration shall in the first instance be
borne by the respective party incurring such costs and fees, but the arbitrator
shall have the discretion to award costs and/or attorneys' fees as he or she
deems appropriate under the circumstances. The parties hereby expressly waive
punitive damages, and under no circumstances shall an award contain any amounts
that are in any way punitive in nature. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:37.45pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Judgment
on the award rendered by the arbitrator may be entered in any court having
jurisdiction thereof. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:37.35pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">It
is intended that controversies or claims submitted to arbitration under this
Section 9 shall remain confidential, and to that end it is agreed by the
parties that neither the facts disclosed in the arbitration, the issues
arbitrated, nor the view or opinions of any persons concerning them, shall be
disclosed to third persons at any time, except to the extent necessary to
enforce an award or judgment or as required by law or in response to legal
process or in connection with such arbitration. </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:37.45pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Notwithstanding
the foregoing, each of the parties agrees that, prior to submitting a dispute
under this Agreement to arbitration, the parties agree to submit for a period
of sixty (60) days, to voluntary mediation before a jointly selected neutral
third party mediator under the auspices of JAMS, New York, New York Resolutions
Center (or any successor location), pursuant to the procedures of JAMS
International Mediation Rules conducted in New Jersey (however, such mediation
or obligation to mediate shall not suspend or otherwise delay any termination
or other action of the Company or affect the Company&#8217;s other rights). </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">ENFORCEABILITY</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:7.5pt;margin-right:0in;margin-top:0in;text-indent:28.5pt;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">It is the intention of
the parties that the provisions of this Agreement shall be enforced to the
fullest extent permissible under the laws and public policies of each state and
jurisdiction in which such enforcement is sought, but that the unenforceability
(or the modification to conform with such laws or public policies) of any
provisions hereof, shall not render unenforceable or impair the remainder of
this Agreement.&#160; Accordingly, if any provision of this Agreement shall be
determined to be invalid or unenforceable, either in whole or in part, this
Agreement shall be deemed amended to delete or modify, as necessary, the
offending provisions and to alter the balance of this Agreement in order to
render the same valid and enforceable to the fullest extent permissible. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">ASSIGNMENT</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:14.0pt;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">This Agreement is personal in
nature to the Company and the rights and obligations of the Executive under
this Agreement shall not be assigned or transferred by the Executive.&#160; This
Agreement and all of the provisions hereof shall be binding upon, and inure to
the benefit of, the parties hereto and their successors (including successors
by merger, consolidation, sale or similar transaction, permitted assigns,
executors, administrators, personal representatives, heirs and distributees). </font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_8"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">NON-DISCLOSURE; NON-SOLICITATION;
COVENANTS OF EXECUTIVE; COOPERATION</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Executive
acknowledges that as a result of the services to be rendered to the Company
hereunder, Executive will be brought into close contact with many confidential
affairs of the Company, its parents, subsidiaries and affiliates, not readily
available to the public. Executive further acknowledges that the services to be
performed under this Agreement are of a special, unique, unusual, extraordinary
and intellectual character; that the business of the Company is international
in scope; that its goods and services are marketed throughout the United States
and other countries; and that the Company competes with other organizations
that are or could be located in any part of the United States or the world. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">In
recognition of the foregoing, Executive covenants and agrees that, except as is
necessary in providing services under this Agreement, or as required by law or
pursuant to legal process or in connection with an administrative proceeding
before a governmental agency, Executive will not knowingly use for his own
benefit nor knowingly divulge any Confidential Information and Trade Secrets of
the Company, its parents, subsidiaries and affiliated entities, which are not
otherwise in the public domain and, so long as they remain Confidential
Information and Trade Secrets not in the public domain, will not disclose them
to anyone outside of the Company either during or after his employment.&#160; For
the purposes of this Agreement, &quot;Confidential Information&quot; and
&quot;Trade Secrets&quot; of the Company mean information which is proprietary
and secret to the Company, its parents, subsidiaries and affiliated entities.&#160;
It may include, but is not limited to, information relating to present future
concepts and business of the Company, its parents, subsidiaries and affiliates,
in the form of memoranda, reports, computer software and data banks, customer
lists, employee lists, books, records, financial statements, manuals, papers,
contracts and strategic plans.&#160; As a guide, Executive is to consider
information originated, owned, controlled or possessed by the Company, its
subsidiaries or affiliated entities which is not disclosed in printed
publications stated to be available for distribution outside the Company, its
parents, subsidiaries and affiliated entities as being secret and confidential.
In instances where doubt does or should reasonably be understood to exist in
Executive's mind as to whether information is secret and confidential to the
Company, its parents, subsidiaries and affiliated entities, Executive agrees to
request an opinion, in writing, from the Company as to whether such information
is secret and confidential. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Executive
will deliver promptly to the Company on termination of his employment with the
Company, or at any other time the Company may so request, all memoranda, notes,
records, reports and other documents relating to the Company, its parents,
subsidiaries and affiliated entities, and all property owned by the Company,
its parents, subsidiaries and affiliated entities, which Executive obtained
while employed by the Company, and which Executive may then possess or have
under his control. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Executive
will promptly disclose to the Company all inventions, processes, original works
of authorship, trademarks, patents, improvements and discoveries related to the
business of the Company, its parents, subsidiaries and affiliated entities
(collectively &quot;Developments&quot;), conceived or developed during
Executive's employment with the Company and based upon information to which he
had access during the term of employment, whether or not conceived during
regular working hours, though the use of Company time, material or facilities
or otherwise. All such Developments shall be the sole and exclusive property of
the Company, and upon request Executive shall deliver to the Company all
outlines, descriptions and other data and records relating to such
Developments, and shall execute any documents deemed necessary by the Company
to protect the Company's rights hereunder. Executive agrees upon request to
assist the Company to obtain United States or foreign letters patent and
copyright registrations covering inventions and original works of authorship
belonging to the Company.&#160; If the Company is unable because of Executive's
mental or physical incapacity to secure Executive's signature to apply for or
to pursue any application for any United States or foreign letters patent or
copyright registrations covering inventions and original works of authorship
belonging to the Company, then Executive hereby irrevocably designates and
appoints the Company and its duly authorized officers and agents as his agent
and attorney in fact, to act for and in his behalf and stead to execute and
file any such applications and to do all other lawfully permitted acts to
further the prosecution and issuance of letters patent or copyright
registrations thereon with the same legal force and effect as if executed by
him.&#160; Executive hereby waives and quitclaims to the Company any and all claims,
of any nature whatsoever, that he may hereafter have for infringement of any
patents or copyright resulting from registrations belonging to the Company. </font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_9"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The Executive agrees that, for a period of twelve (12) months
after the termination or cessation of the Executive's employment with the
Company for any reason, (except that the time period of such restrictions shall
be extended by any period during which the Executive is in violation of this
Section 12(e) the Executive will not: </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">directly
or indirectly solicit, attempt to hire, or hire any employee of the Company (or
any person who may have been employed by the Company, its subsidiaries or
affiliates, during the last year of the Executive's employment with the
Company), or assist in such hiring by any other person or business entity or
encourage, induce or attempt to induce any such employee to terminate his or
her employment with the Company, its subsidiaries or affiliates; or </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">take
action intended to encourage any vendor, supplier, broker, customer, client or
trading partner of the Company, its subsidiaries or affiliates to cease to do
business with the Company or its subsidiaries or affiliates or materially
reduce the amount of business the vendor, supplier, broker, customer, client or
trading partner does with the Company or its subsidiaries or affiliates; or </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">materially
disparage the Company, its parents, subsidiaries or affiliates or their
officers and directors and employees. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Executive
agrees to cooperate with the Company, during the term of this Agreement and at
any time thereafter (including following Executive's termination of employment
for any reason), by making himself reasonably available to testify on behalf of
the Company, its parents, subsidiaries and affiliates in any action, suit, or
proceeding, whether civil, criminal, administrative, or investigative, and to
assist the Company or its affiliates, in any such action, suit, or proceeding,
by providing information and meeting and consulting with the&#160; representatives
or counsel to the Company or its affiliates, as requested; provided, however
that it does not materially interfere with his then current professional
activities.&#160; The Company agrees to reimburse Executive for all reasonable
expenses actually incurred in connection with his provision of testimony or
assistance. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">NON-COMPETITION
AGREEMENT</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:37.25pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The
Executive agrees that throughout the term of his employment, and for a period
of twelve (12) months after termination or cessation of employment for any
reason (except that the time period of such restrictions shall be extended by
any period during which the Executive is in violation of this Section 13),
Executive will not engage in, participate in, carry on, own, or manage,
directly or indirectly, either for himself or as a partner, stockholder,
investor, officer, director, employee, agent, independent contractor,
representative or consultant of any person, partnership, corporation or other
enterprise, in any &quot;Competitive Business&quot; in any jurisdiction in
which the Company or its affiliates and subsidiaries actively conducts
business.&#160; For purposes of this Section 13, &quot;Competitive Business&quot;
means the property and casualty insurance or property and casualty reinsurance
business.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:37.25pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The
Executive's engaging in the following activities will not be deemed to be
engaging or participating in a Competitive Business: (i) investment banking;
(ii) passive ownership of less than 2% of any class of securities of a company;
and (iii) engaging or participating solely in a noncompetitive business of an
entity which also separately operates a business which is a &quot;Competitive
Business&quot;. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:37.45pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The
Executive acknowledges, with the advice of legal counsel, that he understands
the foregoing provisions of this Section 13 and that these provisions are fair,
reasonable, and necessary for the protection of the Company's business.&#160; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Executive
agrees that the remedy at law for any breach or threatened breach of any
covenant contained in Sections 12 and 13 will be inadequate and that the
Company, in addition to such other remedies as may be available to it, in law
or in equity, shall be entitled to injunctive relief without bond or other
security.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">TAXES</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">All
payments to be made to and on behalf of the Executive under this Agreement will
be subject to required withholding of federal, state and local income,
employment and excise taxes, and to related reporting requirements. </font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_10"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Notwithstanding anything in this Agreement to the contrary, it is
the intention of the parties that this Agreement comply with or be exempt from
Section 409A of the Internal Revenue Code (the &#8220;Code&#8221;) and any regulations and
other guidance issued thereunder, and this Agreement and the payment of any
benefits hereunder shall be operated and administered accordingly.&#160;
Specifically, but not by limitation, the Executive agrees that if, at the time
of termination of employment, the Company is considered to be publicly traded
and he is considered to be a specified employee, as defined in Section 409A of
the Code, then such payments to be made hereunder as a result of his
termination of employment that are deferred compensation for purposes of
Section 409A of the Code shall be deferred to the end of the six-month period
beginning on the date of such termination or, if earlier, within 15 days after
the appointment of the personal representative or executor of the Executive&#8217;s
estate following his death, if and to the extent the delay in such payment is
necessary in order to comply with the requirements of Section 409A of the Code.
</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">With
respect to any amount of expenses eligible for reimbursement that is required
to be included in the Executive&#8217;s gross income for federal income tax purposes,
such expenses shall be reimbursed to the Executive no later than December 31 of
the year following the year in which the Executive incurs the related
expenses.&nbsp; In no event shall the amount of expenses (or in-kind benefits)
eligible for reimbursement in one taxable year affect the amount of expenses
(or in-kind benefits) eligible for reimbursement in any other taxable year
(except for those medical reimbursements referred to in Section 105(b) of the
Internal Revenue Code of 1986), nor shall Executive&#8217;s right to reimbursement or
in-kind benefits be subject to liquidation or exchange for another
benefit.&nbsp; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">If
benefits payable hereunder constitute deferred compensation within the meaning
of Section 409A of the Code, then Executive shall execute and deliver to the
Company such release within 60 days following the receipt of the general
release (which shall be provided on or prior to termination), or if later,
immediately following the expiration of any revocation period required by law.&#160;
Amounts that would have otherwise been payable during such 60-day period shall
be accumulated and paid on the 60th day following Executive&#8217;s termination,
provided such release shall have been executed and such revocation periods
shall have expired (subject to the six-month delay provision under Section 409A
of the Code, if applicable).&#160; If a bona fide dispute exists, then Executive
shall deliver a written notice of the nature of the dispute to the Company
within 30 days following receipt of such general release.&#160; Benefits shall be
deemed forfeited if the release (or a written notice of a bona fide dispute) is
not executed and delivered to the Company within the time specified herein.&#160; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Termination
of employment, or words of similar import, used in this Agreement means, for
purposes of any payments under this Agreement that are payments of deferred
compensation subject to Section 409A of the Code, &#8220;separation from service&#8221; as
defined in Section 409A of the Code and the regulations promulgated thereunder.</font></p>

<p style="margin-bottom:12.0pt;margin-left:.5in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160; For
purposes of Section 409A of the Code, the right to a series of installment
payments under this Agreement shall be treated as a right to a series of
separate payments</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">SURVIVAL</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:4.0pt;margin-top:0in;text-indent:36.1pt;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Anything in Section 6
hereof to the contrary notwithstanding, the provisions of Section 7 through 17
shall survive the expiration or termination of this Agreement, regardless of
the reasons therefor. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">NO
CONFLICT; REPRESENTATIONS AND WARRANTIES</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_11"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:4.3pt;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The
Executive represents and warrants that, to the best of his knowledge and
belief, (i) the information (written and oral) provided by the Executive to the
Company in connection with obtaining employment with the Company or in
connection with the Executive's former employments, work history, circumstances
of leaving former employments, and educational background, is true and
complete, (ii) he has the legal capacity to execute and perform this Agreement,
(iii) this Agreement is a valid and binding obligation of the Executive
enforceable against him in accordance with its terms, (iv) the Executive's
execution, delivery or performance of this Agreement will not conflict with or
result in a breach of any agreement, understanding, order, judgment or other
obligation to which the Executive is a party or by which he may be. bound,
written or oral, and (v) the Executive is not subject to or bound by any
covenant against competition, non-disclosure or confidentiality obligation, or
any other agreement, order, judgment or other obligation, written or oral,
which would conflict with, restrict or limit the performance of the services to
be provided by him hereunder.&#160; The Executive agrees not to use, or disclose to
anyone within the Company, its parents, subsidiaries or affiliates, at any time
during his employment hereunder, any trade secrets or any confidential
information of any other employer or other third party.&#160; Executive has provided
to the Company a true copy of any non-competition obligation or agreement to
which he may be subject. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">MISCELLANEOUS</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Any
notice to be given hereunder shall be in writing and delivered personally or
sent by overnight mail, addressed to the party concerned at the address
indicated below or to such other address as such party may subsequently give
notice of hereunder in writing: </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">If to the Company or
Holdings: </font></p>

<p style="margin-bottom:.0001pt;margin-left:63.35pt;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Everest Global
Services, Inc. </font></p>

<p style="margin-bottom:.0001pt;margin-left:63.35pt;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Westgate Corporate
Center </font></p>

<p style="margin-bottom:.0001pt;margin-left:63.35pt;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">477 Martinsville Road </font></p>

<p style="margin-bottom:.0001pt;margin-left:63.35pt;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">P.O. Box 830 Liberty
Corner, </font></p>

<p style="margin-bottom:.0001pt;margin-left:63.35pt;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">New Jersey 07938-0830 </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:63.35pt;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Attention: General Counsel </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">If to
Executive:</font></p>

<p style="margin-bottom:.0001pt;margin-left:63.0pt;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">R.J. Jabbour</font></p>

<p style="margin-bottom:.0001pt;margin-left:63.0pt;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">107 Washington Street</font></p>

<p style="margin-bottom:.0001pt;margin-left:63.0pt;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Morristown, NJ, 07960</font></p>

<p style="margin-bottom:6.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:7.5pt;margin-right:0in;margin-top:0in;text-indent:37.25pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Any notice given as set forth above
will be deemed given on the business day sent when delivered by hand during
normal business hours, on the business day after the business day sent if
delivered by a nationally-recognized overnight courier, or on the third
business day after the business day sent if delivered by registered or
certified mail, return receipt requested. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Law
Governing</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; This Agreement shall be deemed a contract made under and for
all purposes shall be construed in accordance with, the laws of the State of
New Jersey without reference to the principles of conflict of laws.</font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_12"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Jurisdiction</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; Subject to Section 9 above, (i) in any suit, action or
proceeding seeking to enforce any provision of this Agreement or for purposes
of resolving any dispute arising out of or related to this Agreement (including
Sections 12 and 13 or the transactions contemplated by this Agreement), the
Company and the Executive each hereby irrevocably consents to the exclusive
jurisdiction of any federal court located in the State of New Jersey or any of
the state courts of the State of New Jersey; (ii) the Company and the Executive
each hereby waives, to the fullest extent permitted by applicable law, any
objection which it or he may now or hereafter have to the laying of venue of
any such suit, action or proceeding in any such court or that any such suit,
action or proceeding brought in any such court has been brought in an
inconvenient forum; (iii) process in any such suit, action or proceeding may be
served on either party anywhere in the world, whether within or without the
jurisdiction of such court, and, without limiting the foregoing, each of the
Company and the Executive irrevocably agrees that service of process on such
party, in the same manner as provided for notices in Section 17(a) above, shall
be deemed effective service of process on such party in any such suit,&quot;
action or proceeding; and (iv) WAIVER OF JURY TRIAL: EACH OF THE COMPANY AND
THE EXECUTIVE HEREBY IRREVOCABLY WAIVES ANY AND ALL RIGHT TO TRIAL BY JURY IN
ANY LEGAL PROCEEDINGS ARISING OUT OF OR RELATED TO THIS AGREEMENT OR THE
TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Headings</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; The Section headings
contained in this Agreement are for convenience of reference only and are not
intended to determine, limit or describe the scope or intent of any provision
of this Agreement. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Number
and Gender</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; Whenever in this Agreement the singular is used, it shall
include the plural if the context so requires, and whenever the feminine gender
is used in this Agreement, it shall be construed as if the masculine, feminine
or neuter gender, respectively, has been used where the context so dictates,
with the rest of the sentence being construed as if the grammatical and
terminological changes thereby rendered necessary have been made. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Entire
Agreement</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; This Agreement contains the entire agreement and understanding
between the parties with respect to the subject matter hereof and supersedes
any prior or contemporaneous understandings and agreements, written or oral,
between and among them respecting such subject matter. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Counterparts</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; This Agreement may
be executed in counterparts, each of which shall be deemed an original but both
of which taken together shall constitute one instrument. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Amendments</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; This Agreement may
not be amended except by a writing executed by each of the parties to this
Agreement. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">No
Waiver</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.
No provision of this Agreement may be modified, waived or discharged unless
such waiver, modification or discharge is agreed to in writing and signed by
the Executive and such officer as may be specifically designated by the
Company.&#160; No waiver by either party at any time of any breach by the other
party of, or compliance with, any condition or provision of this Agreement to
be performed by such other party shall be deemed a waiver of similar or
dissimilar provisions or conditions at the same or at any prior or subsequent
time. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">(j)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Expenses</font></u><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. The Company agrees to pay and/or
reimburse Executive for reasonable legal fees and expenses incurred by
Executive in negotiating and entering into this Agreement, within thirty (30)
days after the Company's receipt of the invoices therefor.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">IN WITNESS WHEREOF,
the parties hereto have duly executed this Agreement as of the date first
written above. </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_13"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">EVEREST GLOBAL SERVICES, INC.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><u><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">/s/
JUAN C. ANDRADE&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></u><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">/s/
MARK KOCIANCIC_</font></u></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Juan
C. Andrade&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;  &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Mark
Kociancic</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">President
&amp; CEO </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>



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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>7
<FILENAME>ex102.htm
<DESCRIPTION>EXHIBIT 10-2
<TEXT>
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<body><a name="page_1"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Calibri,sans-serif" lang="EN-US" style="font-size:11.0pt;line-height:107%;">&nbsp;</font></p>

<p style="margin-bottom:16.6pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">EMPLOYMENT AGREEMENT
</font></b></p>

<p style="margin-bottom:12.0pt;margin-left:9.75pt;margin-right:0in;margin-top:0in;text-indent:37.35pt;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">This Employment
Agreement (&quot;Agreement&quot;) is made as of September 28, 2020 between
Everest Global Services, Inc., a Delaware corporation (the
&quot;Company&quot;), and James Williamson (the &quot;Executive&quot;). </font></p>

<p style="margin-bottom:12.0pt;margin-left:9.75pt;margin-right:0in;margin-top:0in;text-indent:37.35pt;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">WHEREAS, the Company
desires to employ the Executive and the Executive desires to be employed by the
Company, on the terms and conditions provided below; and </font></p>

<p style="margin-bottom:12.0pt;margin-left:9.75pt;margin-right:0in;margin-top:0in;text-indent:37.35pt;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">WHEREAS, this Agreement
shall govern the employment relationship between Executive and the Company and
supersedes all previous agreements and understandings with respect to such
employment relationship; and </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:47.35pt;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">NOW, THEREFORE, in consideration of the promises and mutual
covenants contained herein and for other good and valuable consideration, the
receipt of which is hereby acknowledged, the parties hereto agree as follows:</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">1.</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">ENGAGEMENT</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:9.75pt;margin-right:0in;margin-top:0in;text-indent:37.35pt;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The Company agrees to
employ the Executive, and the Executive accepts such employment, on the terms
and conditions set forth in this Agreement, unless and until such employment
shall have been terminated as provided in this Agreement or as may otherwise be
agreed to by the parties. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">2.</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">TITLE AND DUTIES</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:9.75pt;margin-right:0in;margin-top:0in;text-indent:37.35pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">During his employment by the
Company, the Executive shall serve as Executive Vice President and Chief
Operating Officer of Everest Re Group, Ltd. (&#8220;Group&#8221;).&#160; Executive will report
to the Group Chief Executive Officer (&#8220;Group CEO&#8221;) and shall perform duties
consistent with this position as the Group CEO shall request, shall abide by
Company policies as such policies may be amended from time to time, and shall
devote his full business time and best efforts to his duties hereunder and the
business and affairs of the Company (except during vacation periods and periods
of illness or other incapacity).&#160; The Executive may volunteer a reasonable
portion of his non-working time to charitable, civic and professional
organizations, as shall not interfere with the proper performance of his duties
and obligations hereunder, provided the Executive shall not serve on any other
board of directors of a public or private &quot;for profit&quot; company
without the prior consent of the Group CEO.&#160; Executive will be based at the
Company's principal headquarters facility currently located in Liberty Corner,
New Jersey, subject to customary travel and business requirements.</font></p>




<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_2"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">3.</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">TERM</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">This
Agreement shall commence as of' September 28, 2020 (&#8220;Term Commencement Date&#8221;)
or such other date as may be mutually agreed upon and shall continue in effect
up through and including October 1, 2023 (&#8220;Term Conclusion Date&#8221;), unless
sooner terminated in accordance with this Agreement or as may otherwise be
agreed to by the parties and subject to Section 7 below. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">4.</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">COMPENSATION</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(a)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Base
Salary</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160;
During the Term, Executive's base salary (&quot;Base Salary&quot;) shall be
$700,000 per annum, subject to increases, if any, as determined and approved by
the Compensation Committee of Group&#8217;s Board of Directors (the &#8220;Compensation
Committee&#8221;). The Base Salary shall be paid in accordance with the Company's
normal payroll practices in effect from time to time.&#160; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(b)</font><font face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Annual
Incentive Bonus</font></u><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.
During the Term, Executive shall be eligible to participate in an annual
incentive bonus program or plan established by Group, and subject to the
approval of Group&#8217;s shareholders if required by law, or in an alternative bonus
to be consistent with current market industry practice. Executive's target
annual incentive bonus will be one hundred and thirty percent&#160; (130%) of Base
Salary (&#8220;Target Bonus&#8221;). For 2020, the Executive shall be entitled to a payment
equal to four hundred and twenty five thousand dollars ($425,000) for his
annual-non equity incentive opportunity for the 2020 year subject to him
remaining employed on the date such amount is paid, which will be no later than
March 15, 2021. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(3)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Executive
Stock Based Incentive Plan</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; During the Term, the Executive shall be eligible to participate in
and receive such equity incentive compensation as may be granted by the
Compensation Committee from time to time pursuant to the Everest Re Group, Ltd.
2020 Stock Incentive Plan, as such plan may then be in effect and as it may be
amended or superseded from time to time or any successor plan (the &quot;Stock
Plan&quot;). Executive&#8217;s target value for equity compensation shall be one hundred and
fifty percent (150%) of Executive's Base Salary as applicable to the fiscal
year prior to the calendar year in which the Compensation Committee makes its
determination to grant such a share award.&#160; All equity awards to the Executive under the Stock Plan shall
be determined by the Compensation Committee in its sole discretion.&#160; Except as
expressly set forth in this Agreement, all equity awards shall be subject to
the terms of the Stock Plan </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(b)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Sign
On Equity Grant</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; In consideration of Executive&#8217;s agreement to enter into this
Agreement and in recognition of the need to retain the Executive in the future
and subject to the Executive commencing his duties in accordance with this
Agreement on October 1, 2020</font><b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">,&nbsp;</font></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;"> or such other date as may be mutually
agreed to between the Parties, the Company shall recommend to the Compensation
Committee to approve a one-time grant of restricted shares with a target value
equal to one million&#160; three hundred thousand dollars ($1,300,000) (the
&#8220;Retention Grant&#8221;).&#160; The number of shares subject to the Retention Grant will
be determined by dividing the applicable target value by the closing price of a
common share of Group on the New York Stock Exchange on the date of the next
meeting of the Compensation Committee after his start date</font><b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;"> </font></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">at which the
Compensation Committee approves and awards the Retention Grant (the &#8220;Grant
Date&#8221;). The Retention Grant will be subject to the terms and conditions of the
2020 Stock Incentive Plan, including but not limited to, vesting over a
five-year period with one-fifth (1/5<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup>) of the total amount vesting
on each of the first five years anniversaries of the Grant Date and Executive&#8217;s
continued employment throughout the vesting period. </font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_3"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="background:white;font-size:11.0pt;line-height:normal;">If the Executive is terminated without Cause (as
defined below), or due to Disability (as defined below) or due to death or if
the Executive resigns for Good Reason (as defined below) (each such termination
referred to as a &#8220;Vesting Termination&#8221;), subject to (except in the case of
Executive&#8217;s death) the Executive signing and not revoking a release of
claims&nbsp; as required pursuant to Section 6(h) below, the Executive will
become fully vested in Retention Grant to the extent not previously
vested.&nbsp; The release must be executed, and any revocation period must have
expired, within sixty (60) days after such termination date.&nbsp;
Notwithstanding the foregoing, in the event the Executive incurs a termination
with Cause or if the Executive resigns without Good Reason, or in the event the
release does not become effective within sixty (60) days after termination date
as required in the previous sentence following a Vesting Termination, the
Executive shall immediately forfeit any portion of the Retention Grant not
previously vested as of the date of termination.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(5)</font><font face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Sign-On Cash
Award</font></u><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; In
consideration of Executive&#8217;s agreement to enter into this Agreement and subject
to the Executive commencing his duties in accordance with this Agreement on
October 1, 2020</font><b><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">,&nbsp;</font></b><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;"> or such other date as may be mutually agreed to between
the Parties, the Executive shall be entitled to a one-time net cash payment of
one hundred and fifty thousand dollars ($150,000); for the avoidance of doubt,
the amount of the payment shall be grossed up so that, after applicable
deductions and withholdings, the net cash amount received by Executive shall be
$150,000. Payment shall be made within 30 days of the Term Commencement Date of
this Agreement. </font></p>

<p style="margin-bottom:6.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">5.</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">BENEFITS</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(a)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Employer
Benefit Plans</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; While in the employ of the Company, Executive shall be eligible
to participate, on terms which are generally available to the other senior
executives of the Company and subject to the eligibility requirements of the
applicable Company plans as in effect from time to time, in the Company&#8217;s
deferred compensation, medical, dental, vacation and disability programs and
other benefits that may become generally available to the Company&#8217;s senior
executives from time to time.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(b)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Business
Expenses</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160;
The Executive is authorized to incur, and the Company shall either pay directly
or reimburse the Executive for ordinary and reasonable expenses in connection
with the performance of his duties hereunder including, but not limited to,
expenses for transportation, business meals, travel and lodging, and similar
items. The Executive agrees to comply with Company policies with respect to
reimbursement and record keeping in connection with such expenses. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(c)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Retirement
Benefits</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160;
Executive shall be eligible to participate in the Company's existing
tax-qualified defined contribution retirement plan and the Company's defined
contribution supplemental retirement and excess benefit plans (collectively
&#8220;SERP&#8221;), as they may be in effect from time to time.&#160;&#160; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(d)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Car
Allowance</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; The Company shall provide Executive $1,000 per month as a car
allowance to be applied toward the purchase or lease of a vehicle. This car
allowance will be paid to Executive as part of the standard payroll and will be
reported as income on Executive&#8217;s year-end W-2 form.</font></p>

<p style="margin-bottom:6.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">6.</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">TERMINATION OF EMPLOYMENT</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The
employment of the Executive hereunder may be terminated by the Company at any
time, subject to the Company providing the compensation and benefits in
accordance with the terms of this Section 6, which shall constitute the
Executive's sole and exclusive remedy and legal recourse upon any such
termination of employment, and the Executive hereby waives and releases any and
all other claims against the Company and its parent entities, affiliates, officers,
directors and employees in such event. </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_4"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(a)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Termination
Due To Death Or Disability</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; In the event of the Executive's death, Executive's employment
shall automatically cease and terminate as of the date of death. If Executive
shall become incapacitated by reason of sickness, accident or other physical or
mental disability, as such incapacitation is certified in writing by a
physician chosen by the Company and reasonably acceptable to Executive (or his
spouse or representative if in the Company's reasonable determination Executive
is not then able to exercise sound judgment), and shall therefore be unable to
perform his duties hereunder for a period of either (i) one hundred twenty
consecutive days, or (ii) more than six months in any twelve month period, with
reasonable accommodation as required by law, then to the extent consistent with
applicable law, Executive shall be considered &quot;disabled&quot; and the
employment of Executive hereunder and this Agreement may be terminated by
Executive or the Company upon thirty (30) days' written notice to the other
party following such certification.&#160; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">In the event of the
termination of employment due to Executive's death or disability, Executive or
his estate or legal representatives shall be entitled to receive: </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(i)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">payment
for all accrued but unpaid Base Salary as of the date of Executive's
termination of employment; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(ii)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">reimbursement
for expenses incurred by the Executive pursuant to Section 5(b) up to and
including the date on which employment is terminated; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(iii)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">any
earned benefits to which the Executive may be entitled as of the date of
termination pursuant to the terms of any compensation or benefit plans to the
extent permitted by such plans (with the payments described in subsections (i)
through (iii) of this Section 6(a), in each case payable at the time they would
have been payable but for such termination, collectively called the
&quot;Accrued Payments&quot;); </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(iv)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">any
annual incentive bonuses earned but not yet paid for any completed full fiscal
year immediately preceding the employment termination date; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(v)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">if
employment termination occurs prior to the end of any fiscal year, a pro rata
annual incentive bonus for such fiscal year in which employment termination
occurs (based on actual business days in such fiscal year prior to such
employment termination, divided by the total annual business days) determined
and paid based on actual performance achieved for that fiscal year against the
performance goals for that fiscal year. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(b)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Termination
For Cause</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; The Company may, at any time, terminate Executive's employment
for Cause.&#160; The term &quot;Cause&quot; for purpose of this Agreement shall mean
(i) repeated and gross negligence in fulfillment of, or repeated failure of
Executive to fulfill, his material obligations under this Agreement, in either
event after written notice thereof specifying with particularity the conduct
constituting Cause and providing a reasonable period (not less than ten
business days) to respond and to cure, if curable, (ii) material willful
misconduct by Executive in respect of his obligations hereunder, (iii)
conviction of any felony, or any crime of moral turpitude or, (iv) a material
breach in trust committed in willful or reckless disregard of the interests of
the Company or its affiliates or undertaken for personal gain after written
notice thereof specifying with particularity the conduct constituting Cause and
providing a reasonable period (not less than ten business days) to respond and
to cure, if curable.</font></p>

<p style="margin-bottom:6.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="background:white;font-size:11.0pt;line-height:115%;">For purposes of this Section 6 of the Agreement,
an act or failure to act shall be considered &quot;willful&quot; only if done
or omitted to be done without a good faith reasonable belief that such act or
failure to act was in the best interests of the Company.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:6.85pt;margin-top:0in;text-indent:37.5pt;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">In the
event of the termination of Executive's employment hereunder by the Company for
Cause, then Executive shall be entitled to receive only payment of the Accrued
Payments.&#160; The Company shall have no further obligations to Executive. </font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_5"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(c)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Termination
without Cause or for Good Reason</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; The Company may terminate Executive's employment hereunder
without Cause at any time.&#160; Such notice shall specify the effective date of the
termination of Executive's employment.&#160; The Executive may terminate his
employment for Good Reason by providing 30 days' prior written notice to the
Company.&#160; In the event of the termination of Executive's employment under this
Section 6(c) without Cause or by the Executive for Good Reason, in each case
prior to or more than 24 months following a Material Change (as defined in the
Everest Reinsurance Group, Ltd. Senior Executive Change of Control Plan, as
amended and restated effective January 1, 2009), then Executive shall be
entitled to: </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:16.15pt;">(i)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:16.15pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:16.15pt;">payment
of the Accrued Payments; </font></p>

<p style="margin-bottom:10.25pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(ii)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">a
separation allowance, payable in equal installments in accordance with normal
payroll practices over a 12-month period beginning immediately following the
date of termination, equal to (2) times the sum of the Executive's then Base
Salary; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(iii)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">payment
of any annual incentive bonuses earned but not yet paid for any completed full
fiscal year immediately preceding the employment termination date; </font></p>

<p style="margin-bottom:10.25pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(iv)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">all
of Executive's then unvested restricted stock or restricted stock units granted
to Executive will continue to vest and restrictions lapse in accordance with
their respective terms over the 12 month period immediately following such
termination date, conditioned on the Company receiving from Executive the
release of claims referred to in Section 6(h) below; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(v)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">the
Company shall arrange for the Executive to continue to participate on
substantially the same terms and conditions as in effect for the Executive
(including any required contribution) immediately prior to such termination, in
the disability and life insurance programs provided to the Executive pursuant
to Section 5(a) hereof until the earlier of (i) the end of the 12 month period
beginning on the effective date of the termination of Executive's employment
hereunder, or (ii) such time as the Executive is eligible to be covered by
comparable benefit(s) of a subsequent employer.&#160; The foregoing of this Section
6(c)(v) is referred to as &quot;Benefits Continuation&quot;.&#160; In addition, the
Company agrees to pay Executive a lump sum cash payment in order to enable Executive
to pay for medical and dental coverage (through COBRA or otherwise) that is
comparable to the medical and dental coverage in effect for Executive (and his
dependents, if any) immediately prior to his termination of employment, with
such cash amount equal to the cost of the premiums for such coverage that would
apply if Executive were to elect COBRA continuation coverage under the
Company&#8217;s medical and dental plans following his termination of employment and
continue such coverage for the 12 month period beginning on the date of
Executive&#8217;s termination of employment.&#160; The Executive agrees to notify the
Company promptly if and when he begins employment with another employer and if
and when he becomes eligible to participate in any benefit or other welfare
plans, programs or arrangements of another employer. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:37.35pt;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">For purposes of this Agreement, the term &quot;Good Reason&quot;
means, without Executive's written consent: (i) a materially adverse change in
the nature, title, authority, or status of his position or responsibilities;
(ii) a change in the reporting structure where Executive finds himself no
longer reporting to the Group CEO; (iii) a reduction by the Company in the Base
Salary or Target Bonus set forth in this Agreement; (iv) </font><font color="black" face="Times New Roman,serif" lang="EN-US" style="background:white;font-size:11.0pt;line-height:normal;">the Company requiring Executive to be based at a
location in excess of fifty (50) miles from the location of the Company's
principal executive office as of the effective date of this Agreement, except
for required travel on company business; </font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">or (v) a material breach of
this Agreement by the Company.&#160; Provided that the Executive may only exercise
his right to terminate this Agreement for Good Reason within the 60day period
immediately following the occurrence of any of the events described in
subsections (i) through (v) above if:</font></p>

<p style="margin-bottom:.0001pt;margin-left:55.35pt;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Symbol" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Executive
provides written notice of such event or breach to the Company; and</font></p>

<p style="margin-bottom:.0001pt;margin-left:55.35pt;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Symbol" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">such breach is
not remedied by the Company or the parties fail to renegotiate the pertinent
terms of the Agreement in good faith within 30 days of Company receiving
written notice of the breach.</font></p>

<p style="margin-bottom:.0001pt;margin-left:1.25in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_6"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(d)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Termination
of Employment without Cause or for Good Reason following a Change-in-Control</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; If the Company
terminates Executive's employment without Cause or Executive terminates his
employment for Good Reason, in each case within 24 months following a Material
Change (as defined in the Everest Reinsurance Group, Ltd. Senior Executive
Change of Control Plan, as amended and restated effective January 1, 2009), the
Company&#8217;s sole obligation will be to provide to Executive the benefits provided
in that Change of Control Plan. </font></p>

<p style="margin-bottom:10.6pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(e)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Voluntary
Termination by the Executive without Good Reason</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; In the event
Executive terminates his employment without Good Reason, he shall provide 90
days prior written notice of such termination to the Company. Upon such voluntary
termination, the Executive will be entitled to the Accrued Payments. Without
limiting all other rights and remedies of the Company under this Agreement or
otherwise, a termination of employment by the Executive without Good Reason
upon proper notice, will not constitute a breach by the Executive of this
Agreement. </font></p>

<p style="margin-bottom:10.6pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(f)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Resignation
from all Boards</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; Upon any termination or cessation of Executive's employment
with the Company, for any reason, Executive agrees immediately to resign, and
any notice of termination or actual termination or cessation of employment
shall act automatically to effect such resignation, from any position on the
Board and on any board of directors of any subsidiary or affiliate of the
Company.</font></p>

<p style="margin-bottom:10.6pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(g)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Non-Disparagement</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; Upon Executive&#8217;s
termination or cessation of employment with the Company, neither party shall
make any comments, oral or written, or take any other action that could be
construed as materially disparaging to the other.</font></p>

<p style="margin-bottom:10.6pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(h)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Release
of Claims as Condition</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; The Company's obligation to pay the separation allowance and
provide all other benefits and rights (including equity vesting) referred to in
this Agreement shall be conditioned upon the Executive having delivered to the
Company an executed full and unconditional release of claims against the
Company, its parent entities, affiliates, employee benefit plans and
fiduciaries, officers, employees, directors, agents and representatives
satisfactory in form and content to the Company's counsel, provided however
that such release shall not limit Executive&#8217;s rights under this Agreement and
shall not contain any post-employment conditions or restrictive covenants
beyond those contained in this Agreement.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(i)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Termination
and Clawback</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; Notwithstanding anything in this Agreement to the contrary, if
the Executive engages in material willful misconduct in respect of his
obligations hereunder, including, but not limited to, fraudulent misconduct,
during the term of this Agreement or during the period in which he is otherwise
entitled to receive payments hereunder following his termination of employment,
then (1) the Executive shall be required to repay to the Company any incentive
compensation (including equity awards) paid to the Executive during or with
respect to the period in which he engaged in such misconduct, as determined by
a majority of the Board of Directors of Group in its sole discretion, provided
that no such determination may be made until Executive has been given written
notice detailing the specific event constituting such material willful
misconduct and an opportunity to appear before the Group Board (with legal
counsel if so requested in writing by Executive) to discuss the specific
circumstances alleged to give rise to the material willful misconduct; and (2)
upon such determination, if Executive has begun to receive payments or benefits
under Section 6(c)(ii), (iii), (iv) and (v), then such payments and benefits
shall immediately terminate, and Executive shall be required to repay to the
Company the payments and the value of the benefits previously provided to him
hereunder.</font></p>

<p style="margin-bottom:10.6pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(j)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">No
Mitigation</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; Except as provided in section 6(c)(v), in no event shall
Executive be obligated to seek other employment or take any other action by way
of mitigation of the amounts payable to Executive under any of the provisions
of this Agreement, nor shall the amount of any payment hereunder be reduced by
any compensation earned by Executive as a result of subsequent employment. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(k)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Time
for Payment</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; Subject to the terms and conditions set forth in Section 14,
and except as otherwise expressly stated herein, benefits payable pursuant to
this Section 6, if any, shall be paid within sixty (60) days following
Executive&#8217;s termination of employment.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;text-indent:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">7.</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">AGREEMENT RENEWAL/RENEGOTIATION.</font></u></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-decoration:none;">&nbsp;</font></b></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_7"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(a)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Agreement
to Extend or Renegotiate</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. The Parties agree to meet and discuss an extension or
renegotiation of this Agreement no later than 4 months before the Term
Conclusion Date.&#160; Any such extension or renegotiation of the terms and
conditions of this Agreement shall be mutually agreed upon and submitted in
writing to the Executive.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(b)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Automatic
Renewal.</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">
If the Parties fail to agree upon a mutually acceptable extension or
renegotiation of the terms of this Agreement in accordance with this Section
7(a), then upon the Term Conclusion Date this Agreement shall continue in full
force and effect and all terms and conditions contained herein shall continue
to apply and be enforceable subject to the following exceptions:</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(i)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The
provisions of Section 3 &#8211; TERM are deleted and replaced with the following:</font></p>

<p style="margin-bottom:12.0pt;margin-left:1.0in;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#8220;This Agreement shall commence as of' October 1, 2020 (&#8220;Term
Commencement Date&#8221;), and shall continue indefinitely unless sooner terminated
in accordance with this Agreement or as may otherwise be agreed to by the
Parties.&#8221; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(ii)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The
provisions of Section 4(a) are deleted and replaced with the following:</font></p>

<p style="margin-bottom:.0001pt;margin-left:1.0in;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#8220;Base Salary.&#160;
Executive's base salary (&quot;Base Salary&quot;) in effect at the most recent
Term Conclusion Date shall continue to be paid in accordance with the Company's
normal payroll practices in effect from time to time.&#8221;</font></p>

<p style="margin-bottom:6.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">8.</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">INDEMNIFICATION</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="background:white;font-size:11.0pt;line-height:normal;">The Company shall indemnify, defend and hold
Executive harmless, to the maximum extent permitted by law, against all
judgments, fines, amounts paid in settlement and all reasonable expenses,
including attorneys' fees incurred by him, in connection with the defense of,
or as a result of, any action or proceeding (or any appeal from any action or
proceeding) in which Executive is made or is threatened to be made a party by
reason of the fact that he is or was an officer or director of the Company,
regardless of whether such action or proceeding is one brought by or in the
right of the Company.&nbsp; Each of the parties hereto shall give prompt notice
to the other of any action or proceeding from which the Company is obligated to
indemnify, defend and hold harmless Executive of which it or he (as the case
may be) gains knowledge.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The
Company agrees that the Executive shall be covered and insured up to the full
limits provided by all directors and officers insurance which the Company then
maintains to indemnify its directors and officers (and to indemnify the Company
for any obligations which it incurs as a result of its undertaking to indemnify
its officers and directors), subject to applicable deductibles and to the terms
and conditions of such policies. &nbsp;&nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="background:white;font-size:11.0pt;line-height:normal;">As used in this Section 8, the term Company shall be
construed to include the Company and its parent entities, affiliates and
subsidiaries.</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;"> &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">9.</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">ARBITRATION</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:37.45pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The
parties shall use their best efforts and good will to settle all disputes by
amicable negotiations. The Company and Executive agree that, with the express
exception of any dispute or controversy arising under Sections 12 and 13 of
this Agreement, any controversy or claim arising out of or in any way relating
to Executive&#8217;s employment with the Company, including, without limitation, any
and all disputes concerning this Agreement and the termination of this
Agreement that are not amicably resolved by negotiation, shall be settled by
arbitration in New Jersey, or such other place agreed to by the parties, as
follows: </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:37.45pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Any
such arbitration shall be heard by a single arbitrator. Except as the parties
may otherwise agree, the arbitration, including the procedures for the
selection of an arbitrator, shall be conducted in accordance with the National
Rules for the Resolution of Employment Disputes of the American Arbitration
Association (&quot;AAA&quot;). </font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_8"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:37.45pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">All attorneys' fees and costs of the arbitration shall
in the first instance be borne by the respective party incurring such costs and
fees, but the arbitrator shall have the authority and discretion to award costs
and/or attorneys' fees as he or she deems appropriate under the circumstances.
The parties hereby expressly waive punitive damages, and under no circumstances
shall an award contain any amounts that are in any way punitive in nature. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:37.45pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Judgment
on the award rendered by the arbitrator may be entered in any court having
jurisdiction thereof. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:37.35pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">It
is intended that controversies or claims submitted to arbitration under this
Section 9 shall remain confidential, and to that end it is agreed by the
parties that neither the facts disclosed in the arbitration, the issues
arbitrated, nor the view or opinions of any persons concerning them, shall be
disclosed to third persons at any time, except to the extent necessary to
enforce an award or judgment or as required by law or in response to legal
process or in connection with such arbitration. </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:37.45pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Notwithstanding
the foregoing, each of the parties agrees that, prior to submitting a dispute
under this Agreement to arbitration, the parties agree to submit for a period
of sixty (60) days, to voluntary mediation before a jointly selected neutral
third party mediator under the auspices of JAMS, New York, New York Resolutions
Center (or any successor location), pursuant to the procedures of JAMS
International Mediation Rules conducted in New Jersey (however, such mediation
or obligation to mediate shall not suspend or otherwise delay any termination
or other action of the Company or affect the Company&#8217;s other rights). </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">10.</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">ENFORCEABILITY</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:7.5pt;margin-right:0in;margin-top:0in;text-indent:28.5pt;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">It is the intention of
the parties that the provisions of this Agreement shall be enforced to the
fullest extent permissible under the laws and public policies of each state and
jurisdiction in which such enforcement is sought, but that the unenforceability
(or the modification to conform with such laws or public policies) of any
provisions hereof, shall not render unenforceable or impair the remainder of
this Agreement.&#160; Accordingly, if any provision of this Agreement shall be
determined to be invalid or unenforceable, either in whole or in part, this
Agreement shall be deemed amended to delete or modify, as necessary, the
offending provisions and to alter the balance of this Agreement in order to render
the same valid and enforceable to the fullest extent permissible. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">11.</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">ASSIGNMENT</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:14.0pt;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">This Agreement is personal in
nature to the Company and the rights and obligations of the Executive under
this Agreement shall not be assigned or transferred by the Executive.&#160; This
Agreement and all of the provisions hereof shall be binding upon, and inure to
the benefit of, the parties hereto and their successors (including successors
by merger, consolidation, sale or similar transaction, permitted assigns,
executors, administrators, personal representatives, heirs and distributees). </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">12.</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">NON-DISCLOSURE; NON-SOLICITATION;
COVENANTS OF EXECUTIVE; COOPERATION</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(a)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Executive
acknowledges that as a result of the services to be rendered to the Company
hereunder, Executive will be brought into close contact with many confidential
affairs of the Company, its parents, subsidiaries and affiliates, not readily
available to the public. Executive further acknowledges that the services to be
performed under this Agreement are of a special, unique, unusual, extraordinary
and intellectual character; that the business of the Company is international
in scope; that its goods and services are marketed throughout the United States
and other countries; and that the Company competes with other organizations
that are or could be located in any part of the United States or the world. </font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_9"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(b)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">In
recognition of the foregoing, Executive covenants and agrees that, except as is
necessary in providing services under this Agreement, or as required by law or
pursuant to legal process or in connection with an administrative proceeding
before a governmental agency, Executive will not knowingly use for his own
benefit nor knowingly divulge any Confidential Information and Trade Secrets of
the Company, its parents, subsidiaries and affiliated entities, which are not
otherwise in the public domain and, so long as they remain Confidential
Information and Trade Secrets not in the public domain, will not disclose them
to anyone outside of the Company either during or after his employment.&#160; For
the purposes of this Agreement, &quot;Confidential Information&quot; and
&quot;Trade Secrets&quot; of the Company mean information which is proprietary
and secret to the Company, its parents, subsidiaries and affiliated entities.&#160;
It may include, but is not limited to, information relating to present future
concepts and business of the Company, its parents, subsidiaries and affiliates,
in the form of memoranda, reports, computer software and data banks, customer
lists, employee lists, books, records, financial statements, manuals, papers,
contracts and strategic plans.&#160; As a guide, Executive is to consider
information originated, owned, controlled or possessed by the Company, its
subsidiaries or affiliated entities which is not disclosed in printed publications
stated to be available for distribution outside the Company, its parents,
subsidiaries and affiliated entities as being secret and confidential. In
instances where doubt does or should reasonably be understood to exist in
Executive's mind as to whether information is secret and confidential to the
Company, its parents, subsidiaries and affiliated entities, Executive agrees to
request an opinion, in writing, from the Company as to whether such information
is secret and confidential. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(c)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Executive
will deliver promptly to the Company on termination of his employment with the
Company, or at any other time the Company may so request, all memoranda, notes,
records, reports and other documents relating to the Company, its parents,
subsidiaries and affiliated entities, and all property owned by the Company,
its parents, subsidiaries and affiliated entities, which Executive obtained
while employed by the Company, and which Executive may then possess or have
under his control, provided however that the foregoing shall not apply to
Executive&#8217;s own personnel records (e.g., compensation, benefits, evaluations,
etc.). </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(d)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Executive
will promptly disclose to the Company all inventions, processes, original works
of authorship, trademarks, patents, improvements and discoveries related to the
business of the Company, its parents, subsidiaries and affiliated entities
(collectively &quot;Developments&quot;), conceived or developed during
Executive's employment with the Company and based upon information to which he
had access during the term of employment, whether or not conceived during
regular working hours, though the use of Company time, material or facilities
or otherwise. All such Developments shall be the sole and exclusive property of
the Company, and upon request Executive shall deliver to the Company all
outlines, descriptions and other data and records relating to such
Developments, and shall execute any documents deemed necessary by the Company
to protect the Company's rights hereunder. Executive agrees upon request to
assist the Company to obtain United States or foreign letters patent and
copyright registrations covering inventions and original works of authorship
belonging to the Company.&#160; If the Company is unable because of Executive's
mental or physical incapacity to secure Executive's signature to apply for or
to pursue any application for any United States or foreign letters patent or
copyright registrations covering inventions and original works of authorship
belonging to the Company, then Executive hereby irrevocably designates and
appoints the Company and its duly authorized officers and agents as his agent
and attorney in fact, to act for and in his behalf and stead to execute and
file any such applications and to do all other lawfully permitted acts to
further the prosecution and issuance of letters patent or copyright
registrations thereon with the same legal force and effect as if executed by
him.&#160; Executive hereby waives and quitclaims to the Company any and all claims,
of any nature whatsoever, that he may hereafter have for infringement of any
patents or copyright resulting from registrations belonging to the Company. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(e)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The
Executive agrees that, for a period of twelve (12) months after the termination
or cessation of the Executive's employment with the Company for any reason,
(except that the time period of such restrictions shall be extended by any
period during which the Executive is in violation of this Section 12(e)), the
Executive will not: </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(i)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">directly
or indirectly solicit, attempt to hire, or hire any employee of the Company (or
any person who may have been employed by the Company, its subsidiaries or
affiliates, during the last year of the Executive's employment with the
Company), or assist in such hiring by any other person or business entity or
encourage, induce or attempt to induce any such employee to terminate his or
her employment with the Company, its subsidiaries or affiliates; or </font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_10"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(ii)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">take
action intended to encourage any vendor, supplier, broker, customer, client or
trading partner of the Company, its subsidiaries or affiliates to cease to do
business with the Company or its subsidiaries or affiliates or materially
reduce the amount of business the vendor, supplier, broker, customer, client or
trading partner does with the Company or its subsidiaries or affiliates; or </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(iii)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">materially
disparage the Company, its parents, subsidiaries or affiliates or their
officers and directors and employees. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(f)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Executive
agrees to cooperate with the Company, during the term of this Agreement and at
any time thereafter (including following Executive's termination of employment
for any reason), by making himself reasonably available to testify on behalf of
the Company, its parents, subsidiaries and affiliates in any action, suit, or
proceeding, whether civil, criminal, administrative, or investigative, and to
assist the Company or its affiliates, in any such action, suit, or proceeding,
by providing information and meeting and consulting with the&#160; representatives
or counsel to the Company or its affiliates, as requested; provided, however that
it does not materially interfere with his then current professional
activities.&#160; The Company agrees to reimburse Executive for all reasonable
expenses actually incurred in connection with his provision of testimony or
assistance. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">13.</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">NON-COMPETITION AGREEMENT</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:37.25pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The
Executive agrees that throughout the term of his employment, and for a period
of twelve (12) months after termination or cessation of employment for any
reason (except that the time period of such restrictions shall be extended by
any period during which the Executive is in violation of this Section 13),
Executive will not engage in, participate in, carry on, own, or manage,
directly or indirectly, either for himself or as a partner, stockholder,
investor, officer, director, employee, agent, independent contractor,
representative or consultant of any person, partnership, corporation or other
enterprise, in any &quot;Competitive Business&quot; in any jurisdiction in
which the Company or its affiliates and subsidiaries actively conducts
business.&#160; For purposes of this Section 13, &quot;Competitive Business&quot;
means the property and casualty insurance or reinsurance business.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:37.25pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The
Executive's engaging in the following activities will not be deemed to be
engaging or participating in a Competitive Business: (i) investment banking;
(ii) passive ownership of less than 2% of any class of securities of a company;
and (iii) engaging or participating solely in a noncompetitive business of an
entity which also separately operates a business which is a &quot;Competitive
Business&quot;. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:37.45pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The
Executive acknowledges, with the advice of legal counsel, that he understands
the foregoing provisions of this Section 13 and that these provisions are fair,
reasonable, and necessary for the protection of the Company's business.&#160; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Executive
agrees that the remedy at law for any breach or threatened breach of any
covenant contained in Sections 12 and 13 will be inadequate and that the
Company, in addition to such other remedies as may be available to it, in law
or in equity, shall be entitled to injunctive relief without bond or other
security.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">14.</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">TAXES</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(a)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">All
payments to be made to and on behalf of the Executive under this Agreement will
be subject to required withholding of federal, state and local income,
employment and excise taxes, and to related reporting requirements. </font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_11"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(b)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Notwithstanding
anything in this Agreement to the contrary, it is the intention of the parties
that this Agreement comply with Section 409A of the Internal Revenue Code (the
&#8220;Code&#8221;) and any regulations and other guidance issued thereunder, and this
Agreement and the payment of any benefits hereunder shall be operated and
administered accordingly.&#160; Specifically, but not by limitation, the Executive
agrees that if, at the time of termination of employment, the Company is
considered to be publicly traded and he is considered to be a specified
employee, as defined in Section 409A, then some or all of such payments to be
made hereunder as a result of his termination of employment shall be deferred
for no more than six (6) months following such termination of employment, if
and to the extent the delay in such payment is necessary in order to comply
with the requirements of Section 409A of the Code. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(c)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">With
respect to any amount of expenses eligible for reimbursement that is required
to be included in the Executive&#8217;s gross income for federal income tax purposes,
such expenses shall be reimbursed to the Executive no later than December 31 of
the year following the year in which the Executive incurs the related
expenses.&nbsp; In no event shall the amount of expenses (or in-kind benefits)
eligible for reimbursement in one taxable year affect the amount of expenses
(or in-kind benefits) eligible for reimbursement in any other taxable year
(except for those medical reimbursements referred to in Section 105(b) of the
Internal Revenue Code of 1986), nor shall Executive&#8217;s right to reimbursement or
in-kind benefits be subject to liquidation or exchange for another
benefit.&nbsp; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(d)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">If
the benefits payable hereunder constitute deferred compensation within the meaning
of Section 409A of the Code, then Executive shall execute and deliver to the
Company such release within 60 days following the receipt of the general
release, or if later, immediately following the expiration of any revocation
period required by law.&#160; Benefits that would have otherwise been payable during
such 60-day period shall be accumulated and paid on the 60th day following
Executive&#8217;s termination, provided such release shall have been executed and
such revocation periods shall have expired.&#160; If a bona fide dispute exists,
then Executive shall deliver a written notice of the nature of the dispute to
the Company within 30 days following receipt of such general release.&#160; Benefits
shall be deemed forfeited if the release (or a written notice of a bona fide
dispute) is not executed and delivered to the Company within the time specified
herein.&#160; </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(e)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Termination
of employment, or words of similar import, used in this Agreement means, for
purposes of any payments under this Agreement that are payments of deferred
compensation subject to Section 409A of the Code, &#8220;separation from service&#8221; as
defined in Section 409A of the Code and the regulations promulgated thereunder.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">15.</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">SURVIVAL</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:4.0pt;margin-top:0in;text-indent:36.1pt;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Anything in Section 6
hereof to the contrary notwithstanding, the provisions of Section 7 through 17
shall survive the expiration or termination of this Agreement, regardless of
the reasons therefor. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">16.</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">NO CONFLICT; REPRESENTATIONS AND
WARRANTIES</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:4.3pt;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The Executive represents and
warrants that (i) the information (written and oral) provided by the Executive
to the Company in connection with obtaining employment with the Company or in
connection with the Executive's former employments, work history, circumstances
of leaving former employments, and educational background, is true and
complete, (ii) he has the legal capacity to execute and perform this Agreement,
(iii) this Agreement is a valid and binding obligation of the Executive
enforceable against him in accordance with its terms, (iv) the Executive's
execution, delivery or performance of this Agreement will not conflict with or
result in a breach of any agreement, understanding, order, judgment or other
obligation to which the Executive is a party or by which he may be. bound,
written or oral, and (v) the Executive is not subject to or bound by any
covenant against competition, non-disclosure or confidentiality obligation, or
any other agreement, order, judgment or other obligation, written or oral, which
would conflict with, restrict or limit the performance of the services to be
provided by him hereunder, except as provided to the Company.&#160; The Executive
agrees not to use, or disclose to anyone within the Company, its parents,
subsidiaries or affiliates, at any time during his employment hereunder, any
trade secrets or any confidential information of any other employer or other
third party.&#160; Executive has provided to the Company a true copy of any
non-competition or non-solicitation obligation or agreement to which he may be
subject. </font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_12"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">17.</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><b><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;text-transform:uppercase;">MISCELLANEOUS</font></u></b><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">. &nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(a)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Any
notice to be given hereunder shall be in writing and delivered personally or
sent by overnight mail, addressed to the party concerned at the addresses
indicated below, plus email copies as indicated below, or to such other address
as such party may subsequently give notice of hereunder in writing: </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>




<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_13"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:.5in;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">If to the Company: </font></p>

<p style="margin-bottom:.0001pt;margin-left:63.35pt;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Everest Global
Services, Inc. </font></p>

<p style="margin-bottom:.0001pt;margin-left:63.35pt;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Westgate Corporate
Center </font></p>

<p style="margin-bottom:.0001pt;margin-left:63.35pt;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">477 Martinsville Road </font></p>

<p style="margin-bottom:.0001pt;margin-left:63.35pt;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">P.O. Box 830 Liberty
Corner, </font></p>

<p style="margin-bottom:.0001pt;margin-left:63.35pt;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">New Jersey 07938-0830 </font></p>

<p style="margin-bottom:.0001pt;margin-left:63.35pt;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Attention: General
Counsel</font></p>

<p style="margin-bottom:6.0pt;margin-left:63.0pt;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:115%;">sanjoy.mukherjee@everestre.com</font></p>

<p style="margin-bottom:12.0pt;margin-left:.5in;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:.5in;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">If to Executive:</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font color="black" face="Times New Roman,serif" lang="EN-US" style="background:white;font-size:11.0pt;line-height:normal;">Employee's
last known address, as reflected in the Company's records.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; With
a copy to:</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Outten
&amp; Golden LLP</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 685
Third Avenue, 25<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Floor</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; New
York, NY 10017</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Attn:
Wayne N. Outten, Esq.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; wno@outtengolden.com
</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:7.5pt;margin-right:0in;margin-top:0in;text-indent:37.25pt;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Any notice given as set forth above
will be deemed given on the business day sent when delivered by hand during
normal business hours, on the business day after the business day sent if
delivered by a nationally-recognized overnight courier, or on the third
business day after the business day sent if delivered by registered or
certified mail, return receipt requested. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(b)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Law
Governing</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; This Agreement shall be deemed a contract made under and for
all purposes shall be construed in accordance with, the laws of the State of
New Jersey without reference to the principles of conflict of laws.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(c)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Jurisdiction</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; Subject to Section 9
above, (i) in any suit, action or proceeding seeking to enforce any provision
of this Agreement or for purposes of resolving any dispute arising out of or
related to this Agreement (including Sections 12 and 13 or the transactions
contemplated by this Agreement), the Company and the Executive each hereby
irrevocably consents to the exclusive jurisdiction of any federal court located
in the State of New Jersey or any of the state courts of the State of New
Jersey; (ii) the Company and the Executive each hereby waives, to the fullest
extent permitted by applicable law, any objection which it or he may now or
hereafter have to the laying of venue of any such suit, action or proceeding in
any such court or that any such suit, action or proceeding brought in any such
court has been brought in an inconvenient forum; (iii) process in any such
suit, action or proceeding may be served on either party anywhere in the world,
whether within or without the jurisdiction of such court, and, without limiting
the foregoing, each of the Company and the Executive irrevocably agrees that
service of process on such party, in the same manner as provided for notices in
Section 17(a) above, shall be deemed effective service of process on such party
in any such suit,&quot; action or proceeding; and (iv) WAIVER OF JURY TRIAL:
EACH OF THE COMPANY AND THE EXECUTIVE HEREBY IRREVOCABLY WAIVES ANY AND ALL
RIGHT TO TRIAL BY JURY IN ANY LEGAL PROCEEDINGS ARISING OUT OF OR RELATED TO
THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(d)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Headings</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; The Section headings
contained in this Agreement are for convenience of reference only and are not
intended to determine, limit or describe the scope or intent of any provision
of this Agreement. </font></p>


<div bclfooter="">


<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face="Calibri,sans-serif" lang="EN-US" style="font-size:11.0pt;">&nbsp;</font></p>


</div>
</div><hr noshade="" style="page-break-after: always" align="center" width="100%" size="2"><a name="page_14"></a><div bclpageborder="" style="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(e)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Number
and Gender</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; Whenever in this Agreement the singular is used, it shall include
the plural if the context so requires, and whenever the feminine gender is used
in this Agreement, it shall be construed as if the masculine, feminine or
neuter gender, respectively, has been used where the context so dictates, with
the rest of the sentence being construed as if the grammatical and
terminological changes thereby rendered necessary have been made. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(f)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Entire
Agreement</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; This Agreement contains the entire agreement and understanding
between the parties with respect to the subject matter hereof and supersedes
any prior or contemporaneous understandings and agreements, written or oral,
between and among them respecting such subject matter. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(g)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Counterparts</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; This Agreement may
be executed in counterparts, each of which shall be deemed an original but both
of which taken together shall constitute one instrument. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(h)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Amendments</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.&#160; This Agreement may
not be amended except by a writing executed by each of the parties to this
Agreement. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(i)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">No
Waiver</font></u><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">.
No provision of this Agreement may be modified, waived or discharged unless
such waiver, modification or discharge is agreed to in writing and signed by
the Executive and such officer as may be specifically designated by the
Company.&#160; No waiver by either party at any time of any breach by the other
party of, or compliance with, any condition or provision of this Agreement to
be performed by such other party shall be deemed a waiver of similar or
dissimilar provisions or conditions at the same or at any prior or subsequent
time.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;text-indent:.5in;"><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:12.0pt;line-height:normal;">(j)</font><font color="black" face="Times New Roman" lang="EN-US" style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color="black" face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">The
Company agrees to pay Executive&#8217;s reasonable attorneys&#8217; fees in connection with
the negotiation and execution of this Agreement within thirty days after
receipt of an invoice and Form W-9.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">IN WITNESS WHEREOF,
the parties hereto have duly executed this Agreement as of the date first
written above. </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">EVEREST
GLOBAL SERVICES, INC.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><u><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">/s/
SANJOY MUKHERJEE&#160;&#160;&#160;&#160;&#160; </font></u><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">/s/
JAMES WILLIAMSON</font></u></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">Sanjoy
Mukherjee&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;  &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; James
Williamson </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang="EN-US" style="font-size:11.0pt;line-height:normal;">EVP,
General Counsel </font></p>



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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139924663478504">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document And Entity Information<br></strong></div></th>
<th class="th"><div>Sep. 30, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Document and Entity Information [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Sep. 30,  2020<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">1-15731<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">Everest Re Group, Ltd.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001095073<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation State Country Code</a></td>
<td class="text">D0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">98-0365432<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address Address Line 1</a></td>
<td class="text">Seon Place &#8211; 4th Floor<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address Address Line 2</a></td>
<td class="text">141 Front Street<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine3', window );">Entity Address Address Line 3</a></td>
<td class="text">PO Box HM 845<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address City Or Town</a></td>
<td class="text">Hamilton<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address Postal Zip Code</a></td>
<td class="text">HM 19<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCountry', window );">Entity Address Country</a></td>
<td class="text">BM<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">441<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">295-0006<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre Commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre Commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Common Shares, $0.01 par value<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">RE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 2 such as Street or Suite number</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine3">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 3 such as an Office Park</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine3</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCountry">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>ISO 3166-1 alpha-2 country code.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCountry</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:countryCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
