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Execution Version FIRST AMENDMENT FIRST AMENDMENT (this “Amendment”) dated as of
October 6, 2015 to the Credit Agreement dated as of August 28, 2014 (as amended,
amended and restated, supplemented or otherwise modified prior to the date
hereof, the “Credit Agreement”; the Credit Agreement as amended pursuant to this
Amendment being referred to herein as the “Amended Credit Agreement”) among
SYMETRA FINANCIAL CORPORATION (the “Borrower”), the several banks and other
financial institutions or entities from time to time parties thereto, as lenders
(the “Lenders”), JPMORGAN CHASE BANK, N.A., as administrative agent (in such
capacity, the “Administrative Agent”), and the other agents parties thereto. W I
T N E S S E T H: WHEREAS, pursuant to the Credit Agreement, the Lenders have
agreed to make, and have made, certain loans and other extensions of credit to
the Borrower; WHEREAS, the Borrower is party to that certain Agreement and Plan
of Merger dated as of August 11, 2015 (the “Merger Agreement”), by and among
Sumitomo Life Insurance Company, a mutual company (sougo kaisha) organized under
the laws of Japan, SLIC Financial Corporation, a Delaware corporation, and the
Borrower; WHEREAS, the Borrower has requested that the Credit Agreement be
amended and waived as set forth herein; WHEREAS, the Required Lenders are
willing to agree to such amendments and waivers, in each case on the terms set
forth herein; NOW THEREFORE, in consideration of the premises and mutual
covenants contained herein, the parties hereto agree as follows: Section 1.
Defined Terms; References. Unless otherwise specifically defined herein, each
term used herein that is defined in the Credit Agreement has the meaning
assigned to such term in the Amended Credit Agreement; provided that the terms
“Required Lenders” and “Default” shall each have the respective meaning assigned
to such term in the Credit Agreement. Section 2. Amendments to Section 1.01.
Section 1.01 of the Credit Agreement is hereby amended as of the Amendment
Effective Date (as defined below) as follows: (a) by inserting the following
immediately before the period at the end of the first sentence of the defined
term “Change of Control”: nor (iii) appointed by the Permitted Holders. (b) by
deleting the defined term “Permitted Holders” in its entirety and substituting
in lieu thereof the following: “Permitted Holders” means (a) prior to the
consummation of the Merger, collectively, Berkshire Hathaway and White Mountains
and (b) from and after consummation of the Merger, Sumitomo Life Insurance
Company.

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2 (c) by inserting the following defined terms in the appropriate alphabetical
order: “Merger” means the merger of SLIC Financial Corporation, a Delaware
corporation, with and into the Borrower pursuant to that certain Agreement and
Plan of Merger dated as of August 11, 2015, by and among Sumitomo Life Insurance
Company, SLIC Financial Corporation, a Delaware corporation, and the Borrower.
“Sumitomo Life Insurance Company” means Sumitomo Life Insurance Company, a
mutual company (sougo kaisha) organized under the laws of Japan, together with
its Affiliates. Section 3. Waiver. The Required Lenders hereby waive any Default
or Event of Default arising under clause (e) of Article VII of the Credit
Agreement as a result of the consummation of the Merger (as defined in the
Merger Agreement) and the other transactions contemplated by the Merger
Agreement, in each case in accordance with the terms of the Merger Agreement;
provided that the Merger is consummated no later than May 11, 2016 (the “End
Date”); provided further that if on the End Date any of the conditions precedent
to the closing of the Merger (the “Closing”) set forth in Section 8.01(b) or
Section 8.01(c) of the Merger Agreement has not been satisfied but all other
conditions precedent to the Closing have been satisfied (or in the case of
conditions that by their terms are to be satisfied at the Closing, are capable
of being satisfied on such date), then the End Date will automatically be
extended to August 11, 2016. Section 4. Representations of Borrower. The
Borrower represents and warrants that (a) the representations and warranties of
the Borrower set forth in the Credit Agreement are true and correct in all
material respects (or, in the case of any representation and warranty qualified
by materiality, in all respects) on and as of the Amendment Effective Date (as
defined below), except in the case of any such representation or warranty that
expressly relates to an earlier date, in which case such representation or
warranty shall be so true and correct in all material respects on and as of such
earlier date and (b) no Default has occurred and is continuing on or after
giving effect to the Amendment Effective Date. Section 5. Counterparts. This
Amendment may be executed in counterparts (and by different parties hereto on
different counterparts), each of which shall constitute an original, but all of
which when taken together shall constitute a single contract. Delivery of an
executed counterpart of a signature page of this Amendment by electronic mail
shall be effective as delivery of a manually executed counterpart of this
Amendment. Section 6. Effectiveness. This Amendment shall become effective on
the date (the “Amendment Effective Date”) when the following conditions shall be
satisfied: (a) the Administrative Agent shall have received this Amendment duly
executed by the Borrower and the Required Lenders; (b) the representations and
warranties of the Borrower set forth in the Credit Agreement shall be true and
correct in all material respects (or, in the case of any representation and
warranty qualified by materiality, in all respects) on and as of the Amendment
Effective Date, except in the case of any such representation or warranty that
expressly relates to an earlier date, in which case such representation or
warranty shall be so true and correct in all material respects on and as of such
earlier date;

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3 (c) no Default shall have occurred and be continuing on the Amendment
Effective Date immediately after giving effect to this Amendment; and (d) the
Administrative Agent shall have received payment of all expenses incurred by the
Administrative Agent in connection with the preparation, negotiation and
execution of this Amendment for which invoices have been presented to the
Borrower (including, without limitation, the reasonable fees and disbursements
of counsel to the Administrative Agent). Section 7. Reference To and Effect Upon
the Credit Agreement. (a) Except as expressly amended or waived hereby, the
provisions of the Credit Agreement, as amended or waived, as applicable, are and
shall remain in full force and effect. The execution, delivery and effectiveness
of this Amendment shall not operate as a waiver of any right, power or remedy of
any Lender or the Administrative Agent under any of the Credit Documents, except
as otherwise provided for herein. (b) On and after the Amendment Effective Date,
each reference in the Amended Credit Agreement to “this Agreement”, “hereunder”,
“hereof”, “herein”, or words of like import, and each reference to the “Credit
Agreement” in any other Credit Document shall be deemed a reference to the
Amended Credit Agreement. This Amendment shall constitute a Credit Document for
all purposes of the Amended Credit Agreement and all of the other Credit
Documents. Section 8. Governing Law; Waiver of Jury Trial. This Amendment shall
be governed by, and construed and interpreted in accordance with, the law of the
State of New York. EACH PARTY HERETO HEREBY WAIVES, TO THE FULLEST EXTENT
PERMITTED BY APPLICABLE LAW, ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN ANY
LEGAL PROCEEDING DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS
AMENDMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY (WHETHER BASED ON CONTRACT,
TORT OR ANY OTHER THEORY). Section 9. Expenses. The Borrower agrees to pay or
reimburse the Administrative Agent for all of its out-of-pocket costs and
expenses incurred in connection with the preparation, negotiation and execution
of this Amendment, including, without limitation, the reasonable fees and
disbursements of counsel to the Administrative Agent. [Signature Pages Follow]

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IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly
executed as of the date first above written. SYMETRA FINANCIAL CORPORATION, as
Borrower By: Name:~ A nA Mja.fel . ,.,e,siev Title: E,xecvfw~ l/1L6 /)v~idcrd
avid C (n 1 c { ;::; Yl tl I'\ lta.-L Df?i u::·v [Signature page to First
Amendment]

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The Northern Trust Com ny, as a Lender By: Name: Title: 2VP [Signature page to
First Amendment]

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