Exhibit 10.2

AMENDMENT TO LOAN AGREEMENT

          This Amendment dated as of the  30th day of June, 2006, by and between
TWIN BRIDGES (BERMUDA) LTD., a Bermuda Company whose registered office is at
Cannon’s Court, 22 Victoria Street, Hamilton HM 12, Bermuda (“Borrower”) and
KEYBANK NATIONAL ASSOCIATION, a national banking association with offices at
4910 Tiedeman Road, OH-01-51-0541, Brooklyn, Ohio 44144 (“Lender”) to that
certain Amended and Restated Loan Agreement dated October 3, 2005 between
Borrower and Lender, as Amended in December 2005 (the “Agreement”).

W I T N E S S E T H :

          WHEREAS, pursuant to the Agreement, Lender has made available to
Borrower a line of credit in the maximum principal amount of $6,500,000.00, the
availability of said sum expiring on June 30, 2006, and

          NOW, THEREFORE, in consideration of the mutual covenants herein
contained, Borrower and Lender, incorporating the defined terms used in the
Agreement, hereby amend the Agreement to read as follows:

          “2.1.”     Credit Facility.  The Lender hereby agrees to extend a Line
of Credit to Borrower, subject to the terms and conditions of this Agreement in
the principal amount of $7,000,000.00, which will be used by the Borrower for
the following purpose:  To support standby Letters of Credit for
operations/agreements with New York Marine and General Insurance Company
(“NYMAGIC”).

          “2.2.”     Term of Facility.  Availability under the Facility will
expire June 30, 2007.  Standby Letters of Credit issued under the facility will
be renewable annually at the Lender’s option.

          Except as hereby amended, the Agreement shall remain in full force and
effect.

THIS SPACE LEFT INTENTIONALLY BLANK.

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          IN WITNESS WHEREOF, Borrower and Lender have executed this Amendment
as of the date first hereinabove set forth.

TWIN BRIDGES (BERMUDA) LTD.

 

KEYBANK NATIONAL ASSOCIATION

 

 

 

 

 

By:

/s/ Nicholas M. Frost

 

By:

/s/ Joseph F. Markey

 

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Name:

Nicholas M. Frost

 

Name:

Joseph F. Markey

Title:

Vice President

 

Title:

Senior Vice President

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