Exhibit 10.9

 

LOGO [g94795img001.jpg]    LIMITED LIABILITY PARTNERSHIP    CONFORMED COPY

DATED 17 NOVEMBER 2006

ACE LIMITED

as Account Party

ACE BERMUDA INSURANCE LTD.

and

ACE TEMPEST REINSURANCE LTD.

as Guarantors

CITIGROUP GLOBAL MARKETS LIMITED

and

BARCLAYS CAPITAL

as Lead Arrangers

ING BANK, N.V., LONDON BRANCH

as Co-Arranger

CITIBANK INTERNATIONAL plc

as Agent and Security Trustee

and

OTHERS

 

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SEVENTH AMENDMENT AND RESTATEMENT

AGREEMENT RELATING TO A LETTER OF CREDIT

FACILITY AGREEMENT ORIGINALLY DATED 19

NOVEMBER 1999

 

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CONTENTS

 

Clause

       Page

1.

  Interpretation    2

2.

  Conditions Precedent    2

3.

  Transfer By Novation    2

4.

  Amendment And Restatement    6

5.

  Representations    7

6.

  Continuing Obligations And Further Assurance    7

7.

  Costs, Expenses And Fees    7

8.

  Designation As Finance Document    8

9.

  Governing Law    8

10.

  Incorporation Of Terms    8

11.

  Counterparts    8

Schedule 1            The Banks

   9

Schedule 2            The Banks' Commitments

   11

Schedule 3            Conditions Precedent

   12

The Exhibit   Form of Amended Facility Agreement

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THIS AGREEMENT is dated 17 November 2006 and made between:

 

(1) ACE LIMITED (the “Account Party”);

 

(2) ACE BERMUDA INSURANCE LTD. and ACE TEMPEST REINSURANCE LTD. (together the
“Guarantors”);

 

(3) CITIGROUP GLOBAL MARKETS LIMITED and BARCLAYS CAPITAL (the investment
banking division of Barclays Bank PLC) (the “Lead Arrangers”);

 

(4) ING BANK, N.V., LONDON BRANCH (the “Co-Arranger” and, together with the Lead
Arrangers, the “Arrangers”);

 

(5) CITIBANK INTERNATIONAL plc (the “Agent” and “Security Trustee”);

 

(6) THE FINANCIAL INSTITUTIONS listed in Part I of Schedule 1 (The Banks) as
existing banks (the “Existing Banks”); and

 

(7) THE FINANCIAL INSTITUTIONS listed in Part II of Schedule 1 (The Banks) as
new banks (the “New Banks”).

WHEREAS:

 

(A) By a dual currency letter of credit facility agreement originally dated
19 November 1999 (a) as amended and restated by an amendment agreement dated
17 November 2000, (b) as amended by an amendment agreement dated 23 October
2001, (c) as amended and restated by an amendment and restatement agreement
dated 21 November 2001, (d) as amended and restated by an amendment and
restatement agreement dated 19 November 2002, (e) as amended and restated by an
amendment and restatement agreement dated 14 November 2003, (f) as amended and
restated by an amendment and restatement agreement dated 15 November 2004 and
(g) as amended and restated by an amendment and restatement agreement dated
9 December 2005 (the “Original Facility Agreement”) between (1) the Account
Party, (2) the Guarantors, (3) the Arrangers, (4) the Agent and (5) the Banks,
the Banks granted to the Account Party a letter of credit facility in an
aggregate amount of £380,000,000.

 

(B) Landesbank Hessen-Thüringen Girozentrale, London Branch wishes to become a
party to the Original Facility Agreement as a Bank.

 

(C) Citibank Ireland Financial Services plc wishes to transfer the whole of its
Commitment to Citibank Europe plc.

 

(D) National Westminster Bank PLC wishes to transfer the whole of its Commitment
to The Royal Bank of Scotland plc.

 

(E) The parties hereto wish to amend the Original Facility Agreement upon the
terms and subject to the conditions set out below.

 

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IT IS AGREED as follows:

 

1. INTERPRETATION

 

1.1 Incorporation of defined terms

Terms defined in the Original Facility Agreement and not otherwise defined
herein shall have the same meaning in this Agreement, and the principles of
construction set out in the Original Facility Agreement shall apply to this
Agreement as if set out in this Agreement in full.

 

1.2 Other defined terms

In this Agreement:

“Amended Facility Agreement” means the Original Facility Agreement as amended by
this Agreement.

“Commencement Date” means 29 November 2006.

 

1.3 Third Party Rights

A person who is not a party to this Agreement has no right under the Contracts
(Rights of Third Parties) Act 1999 to enforce any term of this Agreement.

 

2. CONDITIONS PRECEDENT

The provisions of Clause 3 (Transfer by Novation) and Clause 4 (Amendment and
Restatement) shall automatically be effective as of the Commencement Date
provided that not later than three Business Days before the Commencement Date,
the Agent has received, in form and substance satisfactory to it, each of the
documents and other items specified in Schedule 3 (Conditions Precedent) to this
Agreement. The Agent shall notify the Account Party, the Existing Banks and the
New Banks promptly upon being so satisfied.

 

3. TRANSFER BY NOVATION

 

3.1 Transfer by Novation: New Non-Affiliate Bank

3.1.1 Definitions

For the purposes of this Clause 3.1, the following definitions apply:

“New Non-Affiliate Bank” shall mean Landesbank Hessen-Thüringen Girozentrale,
London Branch.

3.1.2 Details of Transfer: New Non-Affiliate Bank

On the Commencement Date (whether or not a Default is continuing), the Existing
Banks shall transfer by novation part of their Commitment, rights and
obligations under the Finance Documents to the New Non-Affiliate Bank, so that:

 

  (a) the New Non-Affiliate Bank will become a Bank under the Amended Facility
Agreement with a Commitment as set out opposite its name in Schedule 2 (The
Banks’ Commitments);

 

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  (b) each Existing Bank’s Commitment shall be reduced to the respective amount
set out opposite its name in Schedule 2 (The Banks’ Commitments);

 

  (c) the New Non-Affiliate Bank’s participation in each Letter of Credit shall
be as notified to it by the Agent pursuant to paragraph (a) of Clause 3.5
(Banks’ participations); and

 

  (d) each Existing Bank’s participation in each Letter of Credit shall be as
notified to it by the Agent pursuant to paragraph (a) of Clause 3.5 (Banks’
participations).

 

  3.1.3 Procedure for Transfer by Novation: New Non-Affiliate Bank

The transfer by novation set out in Clause 3.1 (Transfer by novation: New
Non-Affiliate Bank) shall take effect on the Commencement Date so that:

 

  (a) to the extent that in Clause 3.1 (Transfer by novation: New Non-Affiliate
Bank) each Existing Bank seeks to transfer by novation its rights and
obligations under the Finance Documents each of the Obligors and each other
Existing Bank shall be released from further obligations towards one another
under the Finance Documents and their respective rights against one another
under the Finance Documents shall be cancelled (being the “Discharged Rights and
Obligations”);

 

  (b) each of the Obligors and the New Non-Affiliate Bank shall assume
obligations towards one another and/or acquire rights against one another which
differ from the Discharged Rights and Obligations only insofar as that Obligor
and the New Non-Affiliate Bank have assumed and/or acquired the same in place of
that Obligor and that Existing Bank;

 

  (c) the Agent, the Arrangers, the New Non-Affiliate Bank and other Banks shall
acquire the same rights and assume the same obligations between themselves as
they would have acquired and assumed had the New Non-Affiliate Bank been an
Existing Bank with the rights and/or obligations acquired or assumed by it as a
result of the transfer and to that extent the Agent, the Arrangers and the
relevant Existing Bank shall each be released from further obligations to each
other under the Finance Documents; and

 

  (d) the New Non-Affiliate Bank shall become a Party as a “Bank”.

 

  3.1.4 Amounts due on or before the Commencement Date

Any amounts payable to the Existing Banks by the Obligors pursuant to any
Finance Document on or before the Commencement Date (including, without
limitation, all interest, fees and commission payable on the Commencement Date)
in respect of any

 

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period ending on or prior to the Commencement Date shall be for the account of
the Existing Banks and the New Non-Affiliate Bank shall not have any interest
in, or any rights in respect of, any such amount.

 

3.2 Transfer by Novation: New Affiliate Banks

 

  3.2.1 Definitions

For the purposes of this Clause 3.2, the following definitions apply:

“New Affiliate Bank” shall mean Citibank Europe plc and The Royal Bank of
Scotland plc; and

“Outgoing Existing Banks” shall mean Citibank Ireland Financial Services plc and
National Westminster Bank PLC,

 

  3.2.2   Details of Transfer: New Affiliate Bank

On the Commencement Date (whether or not a Default is continuing), the Outgoing
Existing Banks shall transfer by novation all of their Commitment, rights and
obligations under the Finance Documents to Citibank Europe plc, in the case of
Citibank Ireland Financial Services plc, and The Royal Bank of Scotland plc, in
the case of National Westminster Bank PLC, so that:

 

  (a) each New Affiliate Bank will become a Bank under the Amended Facility
Agreement with a Commitment as set out opposite its name in Schedule 2 (The
Banks’ Commitments);

 

  (b) each Outgoing Existing Bank’s Commitment shall be reduced to zero, and
that Outgoing Existing Bank shall cease to be a Bank;

 

  (c) each New Affiliate Bank’s participation in each Letter of Credit shall be
as notified to it by the Agent pursuant to paragraph (a) of Clause 3.5 (Banks’
participations); and

 

  (d) each Outgoing Existing Bank’s participation in each Letter of Credit shall
be as notified to it by the Agent pursuant to paragraph (a) of Clause 3.5
(Banks’ participations).

 

  3.2.3 Procedure for Transfer by Novation: New Affiliate Banks

The transfer by novation set out in Clause 3.2 (Transfer by novation: New
Affiliate Banks) shall take effect on the Commencement Date so that:

 

  (a) to the extent that in Clause 3.2 (Transfer by novation: New Affiliate
Banks) each Outgoing Existing Bank seeks to transfer by novation its rights and
obligations under the Finance Documents each of the Obligors and each Outgoing
Existing Bank shall be released from further obligations towards one another
under the Finance Documents and their respective rights against one another
under the Finance Documents shall be cancelled (being the “Discharged Rights and
Obligations”);

 

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  (b) each of the Obligors and each New Affiliate Bank shall assume obligations
towards one another and/or acquire rights against one another which differ from
the Discharged Rights and Obligations only insofar as that Obligor and the
relevant New Affiliate Bank have assumed and/or acquired the same in place of
that Obligor and that Outgoing Existing Bank;

 

  (c) the Agent, the Arrangers, each New Affiliate Bank and other Banks shall
acquire the same rights and assume the same obligations between themselves as
they would have acquired and assumed had the New Affiliate Bank been an Existing
Bank with the rights and/or obligations acquired or assumed by it as a result of
the transfer and to that extent the Agent, the Arrangers and the relevant
Outgoing Existing Bank shall each be released from further obligations to each
other under the Finance Documents; and

 

  (d) each New Affiliate Bank shall become a Party as a “Bank”.

 

  3.2.4 Amounts due on or before the Commencement Date

Any amounts payable to the Outgoing Existing Banks by the Obligors pursuant to
any Finance Document on or before the Commencement Date (including, without
limitation, all interest, fees and commission payable on the Commencement Date)
in respect of any period ending on or prior to the Commencement Date shall be
for the account of the Outgoing Existing Banks and none of the New Affiliate
Banks shall have any interest in, or any rights in respect of, any such amount.

 

3.3 Limitation of responsibility of Existing Banks

 

  (a) Each New Non-Affiliate Bank and New Affiliate Bank (together the “New
Banks”) confirms to each Existing Bank and the other Finance Parties that it:

 

  (i) has received a copy of the Original Facility Agreement together with such
other information as it has required in connection with this transaction;

 

  (ii) has made (and shall continue to make) its own independent investigation
and assessment of the financial condition and affairs of each Obligor and its
related entities in connection with its participation in this Agreement and the
Amended Facility Agreement and has not relied exclusively on any information
provided to it by any Existing Bank in connection with any Finance Document; and

 

  (iii) will continue to make its own independent appraisal of the
creditworthiness of each Obligor and its related entities whilst any amount is
or may be outstanding under the Finance Documents or any Commitment is in force.

 

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  (b) Unless expressly agreed to the contrary, the Existing Banks make no
representation or warranty and assume no responsibility to the New Banks for:

 

  (i) the legality, validity, effectiveness, adequacy or enforceability of the
Finance Documents or any other documents;

 

  (ii) the financial condition of any Obligor;

 

  (iii) the performance and observance by any Obligor of its obligations under
the Finance Documents or any other documents; or

 

  (iv) the accuracy of any statements (whether written or oral) made in or in
connection with the Finance Documents or any other document,

and any representations or warranties implied by law are excluded.

 

  (c) Nothing in any Finance Document obliges any Existing Bank to:

 

  (i) accept a re-transfer from any New Bank of any of the rights and
obligations transferred by novation under this Agreement; or

 

  (ii) support any losses directly or indirectly incurred by a New Bank by
reason of the non-performance by any Obligor of its obligations under the
Finance Documents or otherwise.

 

3.4 Administrative Details

Each New Bank confirms that it has delivered to the Agent its Facility Office
details and address, fax number and attention details for the purposes of Clause
33 (Notices) of the Amended Facility Agreement.

 

3.5 Banks’ participations

 

  (a) The Agent shall notify each Existing Bank and each New Bank of the amount
and currency of each Letter of Credit to be issued on the Commencement Date and
the amount of its participation in that new Letter of Credit not later than
10:00 a.m. two Business Days before the Commencement Date.

 

  (b) The amount of each Existing Bank’s and each New Bank’s participation in
each new Letter of Credit referred to in paragraph (a) of this Clause 3.5
(Banks’ participations) will be equal to the proportion borne by its Available
Commitment to the Available Facility immediately prior to the making of the
Letter of Credit.

 

4. AMENDMENT AND RESTATEMENT

With effect on and from the Commencement Date, the Original Facility Agreement
shall be amended and restated so that it shall be read and construed for all the
purposes as set forth in the Exhibit hereto.

 

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5. REPRESENTATIONS

On the date of this Agreement and on the Commencement Date, the Account Party
and the Guarantors shall make the Representations as if each reference in those
Representations to “this Agreement” and “the Finance Documents” includes a
reference to (a) this Agreement and (b) the Amended Facility Agreement.

 

6. CONTINUING OBLIGATIONS AND FURTHER ASSURANCE

 

6.1 Continuing Obligations

The Original Facility Agreement and the Finance Documents and every clause
thereof shall continue to be in full force and effect and binding on the parties
thereto save as expressly amended and supplemented by this Agreement.

 

6.2 Further Assurance

Each of the Account Party and the Guarantors shall, at the request of the Agent
and at its own expense, do all such acts and things necessary or desirable to
give effect to the amendments effected or to be effected pursuant to this
Agreement.

 

7. COSTS, EXPENSES AND FEES

 

7.1 Transaction Expenses

The Account Party shall promptly on demand pay the Banks the amount of all costs
and expenses (including legal fees) reasonably incurred (together with any VAT
thereon) by the Banks in connection with the negotiation, preparation, printing
and execution of this Agreement and any other documents referred to in this
Agreement and the completion of the transactions herein contemplated.

 

7.2 Enforcement Costs

The Account Party shall, within three Business Days of demand, pay to each Bank
the amount of all costs and expenses (including legal fees) on a full indemnity
basis together with any VAT thereon incurred by that Bank in connection with the
enforcement of, or the preservation of any rights under this Agreement and any
other document referred to in this Agreement.

 

7.3 Stamp Taxes

The Account Party shall pay and, within three Business Days of demand, indemnify
each Bank against any costs, loss or liability that each such Bank incurs in
relation to all stamp duty, registration and other similar taxes payable in
respect of this Agreement and any other document referred to in this Agreement
or any judgment given in connection with this Agreement.

 

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8. DESIGNATION AS FINANCE DOCUMENT

The Account Party and the Agent designate this Agreement as a Finance Document
by execution of this Agreement for the purposes of the definition of Finance
Document in the Original Facility Agreement.

 

9. GOVERNING LAW

This Agreement shall be governed by and construed in accordance with English
law.

 

10. INCORPORATION OF TERMS

The provisions of clause 32 (Remedies and Waivers, Partial Invalidity) and
clause 37 (Jurisdiction) of the Original Facility Agreement shall apply, mutatis
mutandis, hereto and as if references therein to “this Agreement” or “the
Finance Documents” are references to this Agreement.

 

11. COUNTERPARTS

This Agreement may be executed in any number of counterparts and this has the
same effect as if the signatures on the counterparts were on a single copy of
this Agreement.

This Agreement has been entered into on the date stated at the beginning of this
Agreement.

 

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SCHEDULE 1

THE BANKS

Part I - The Existing Banks

ABN AMRO BANK N.V., LONDON BRANCH

BARCLAYS BANK PLC

CALYON NEW YORK BRANCH

CITIBANK IRELAND FINANCIAL SERVICES PLC

ING BANK N.V., LONDON BRANCH

LLOYDS TSB BANK PLC

NATIONAL WESTMINSTER BANK PLC

THE BANK OF TOKYO-MITSUBISHI UFJ, LTD., NEW YORK BRANCH

 

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Part II - The New Banks

CITIBANK EUROPE PLC

LANDESBANK HESSEN-THÜRINGEN GIROZENTRALE, LONDON BRANCH

THE ROYAL BANK OF SCOTLAND PLC

 

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SCHEDULE 2

THE BANKS’ COMMITMENTS

 

Bank

   Commitment (£) Citibank Europe plc    58,000,000 Barclays Bank PLC   
58,000,000 ING Bank N.V., London Branch    54,000,000 ABN AMRO BANK N.V., London
Branch    35,000,000 Calyon New York Branch    35,000,000 Landesbank
Hessen-Thüringen Girozentrale, London Branch    35,000,000 Lloyds TSB Bank plc
   35,000,000 The Bank of Tokyo-Mitsubishi UFJ, Ltd., New York Branch   
35,000,000 The Royal Bank of Scotland plc    35,000,000      TOTAL   
380,000,000     

 

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SCHEDULE 3

CONDITIONS PRECEDENT

 

1. In relation to each Obligor:

 

  (i) a copy of the constitutional documents of each Obligor, certified as at
the date of this Agreement as a true, accurate and correct copy by an Authorised
Signatory of such Obligor;

 

  (ii) a copy, certified as at the date of this Agreement as a true and
up-to-date copy by an Authorised Signatory of such Obligors, of a board
resolution of such Obligor approving the execution, delivery and performance of
this Agreement and the terms and conditions hereof and authorising a named
person or persons to sign this Agreement and any documents to be delivered by
such Obligor pursuant hereto;

 

  (iii) a certificate of an Authorised Signatory of such Obligor setting out the
names and signatures of the persons authorised to sign, on behalf of such
Obligor, this Agreement, and any documents to be delivered by such Obligor
pursuant hereto.

 

2. An opinion of Clifford Chance, solicitors to the Agent.

 

3. An opinion of Maples and Calder, Cayman Islands counsel to the Account Party
addressed to the Finance Parties.

 

4. An opinion of Conyers, Dill and Pearman, Bermudian counsel to the Account
Party addressed to the Finance Parties.

 

5. A copy, certified a true copy by an Authorised Signatory of the Account
Party, of the financial statements of the Account Party referred to in
sub-clauses 16.4.1 and 16.4.2 of Clause 16.4 (Financial Information) of the
Amended Facility Agreement.

 

6. Evidence that ACE INA Services UK Limited of ACE Building, 100 Leadenhall
Street, London EC3A 3BP has agreed to act as the agent of each Obligor for the
service of process in England in respect of this Agreement and the Amended
Facility Agreement.

 

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SIGNATURES

 

The Account Party   ACE LIMITED   By:  

P Bancroft

  Position:   Chief Financial Officer   Address:  
ACE Global Headquarters, 17 Woodbourne Avenue, Hamilton, HM08, Bermuda   By:  

R F Cusumano

  Position:   General Counsel & Secretary   Address:   ACE Global Headquarters,
17 Woodbourne Avenue, Hamilton, HM08, Bermuda

 

The Guarantors   ACE BERMUDA INSURANCE LTD.   By:  

G R Fletcher

  Position:   President, Chief Executive Officer & Deputy Chairman   Address:  
ACE Global Headquarters, 17 Woodbourne Avenue, Hamilton, HM08, Bermuda  

 

ACE TEMPEST REINSURANCE LTD.   Executed as a deed   By:  

J Bonneau

  Position:   Director & Deputy Chairman   Address:  
ACE Global Headquarters, 17 Woodbourne Avenue, Hamilton, HM08, Bermuda  

 

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The Lead Arrangers   CITIGROUP GLOBAL MARKETS LIMITED By:  

P Gibbs

  Position:   Vice President   Address:  
c/o Citigroup Centre, 33 Canada Square, Canary Wharf, London E14 5LB   BARCLAYS
CAPITAL   By:  

R Crosby

  Position:   Manager - Global Loans   Address:   5 The North Colonnade, Canary
Wharf, London E14 4BB   The Co-Arranger   ING BANK, N.V., LONDON BRANCH By:  

M E R Sharman

  Position:   Managing Director   Address:   60 London Wall, London EC2M 5TQ By:
 

N J Marchant

  Position:   Director   Address:   60 London Wall, London EC2M 5TQ The Agent
and Security Trustee CITIBANK INTERNATIONAL plc By:  

P Gibbs

  Position:   Vice President   Address:   c/o Citigroup Centre, 33 Canada
Square, Canary Wharf, London E14 5LB

 

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The Existing Banks   ABN AMRO BANK N.V., LONDON BRANCH By:  

A Rouncivell

  Position:   Authorised Signatory   Address:   250 Bishopsgate, London EC27 4AA
  By:  

W Byrne

  Position:   Authorised Signatory   Address:   250 Bishopsgate, London EC27 4AA
  BARCLAYS BANK PLC   By:  

R Crosby

  Position:   Manager - Global Loans   Address:   5 The North Colonnade, Canary
Wharf, London E14 4BB CALYON NEW YORK BRANCH   By:  

S Rocco

  Position:   Managing Director   Address:   1301 Avenues of America, New York,
NY 10019 By:  

W Denton

  Position:   Managing Director   Address:   1301 Avenues of America, New York,
NY 10019   CITIBANK IRELAND FINANCIAL SERVICES PLC By:  

P Gibbs

  Position:   Vice President   Address:  
c/o Citigroup Centre, 33 Canada Square, Canary Wharf, London E14 5LB  

 

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ING BANK N.V., LONDON BRANCH By:   

M E R Sharman

   Position:    Managing Director    Address:    60 London Wall, London EC2M 5TQ
By:   

N J Marchant

   Position:    Director    Address:    60 London Wall, London EC2M 5TQ LLOYDS
TSB BANK PLC    By:   

W A Cooper

   Position:    Relationship Director    Address:    25 Gresham Street, London
EC2V 7HN NATIONAL WESTMINSTER BANK PLC By:   

Alan Hames

   Position:    Director    Address:    135 Bishopsgate, London, EC2M 3UR THE
BANK OF TOKYO-MITSUBISHI UFJ, LTD., NEW YORK BRANCH By:   

J A Reid, Jr

   Position:    Authorised Signatory    Address:   
1251 Avenue of the Americas, 12th Floor, New York NY10020-1104   

 

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The New Banks:   CITIBANK EUROPE PLC   By:  

P Gibbs

  Position:   Vice President   Address:  
c/o Citigroup Centre, 33 Canada Square, Canary Wharf, London E14 5LB  
LANDESBANK HESSEN-THÜRINGEN GIROZENTRALE, LONDON BRANCH By:  

James Lowe

  Position:   Marketing Manager - Financial Institutions & Public Finance  
Address:   95 Queen Victoria Street, London EC4V 4HN   By:  

P Harding

  Position:   Director - USA/UK Insurance   Address:   95 Queen Victoria Street,
London EC4V 4HN   THE ROYAL BANK OF SCOTLAND PLC   By:  

Alan Hames

  Position:   Director   Address:   135 Bishopsgate, London, EC2M 3UR  

 

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