AMENDMENT NO. 2 dated as of July 18, 2008 (the "Amendment"), to EMPLOYMENT
CONTRACT BETWEEN COMMERCIAL MUTUAL INSURANCE COMPANY and SUCCESSOR COMPANIES AND
JOHN D.REIERSEN, dated as of September 13, 2006 and AMENDMENT NO.1 dated January
25, 2008 (the "Agreement")
 
RECITALS
 
WHEREAS, Commercial Mutual Insurance Company (the "Company") and John D.
Reiersen (the "Employee") have entered into the Agreement which sets forth the
terms and conditions upon which the Employee is employed by the Company and upon
which the Company compensates the Employee.
 
WHEREAS, the Company and the Employee desire to amend the Agreement in certain
respects.
 
NOW, THEREFORE, in consideration of the foregoing, and for other good and
valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the parties intending to be legally bound, hereby agree that,
notwithstanding anything in the Agreement to the contrary:
 
1. The Employee subject to the provisions of Amendment 1 of the Agreement
Sections 2 and 3, shall continue to be employed with the title of President and
CEO and serve on the Board of Directors until December 31, 2011.
 
2. The Employee's Salary and benefits for the period 1/01/10 to 12/31/11 shall
be the same as detailed in the Agreement for the period 1/01/09 to 12/31/09,
except that effective 1/01/10 and 1/01/11, the employee shall receive pay raises
of 5% on each of these dates.
 
3. The provisions of the Agreement at Amendment 1, Section 4 are hereby deleted.
 
IN WITNESS WHEREOF, The Company and Employee have executed this Amendment as of
the date first above written.
COMMERCIAL MUTUAL INSURANCE COMPANY
 
 

             
 
By:
/s/ Barry Goldstein       Barry Goldstein, Chairman of the Board                
 

             
 
 
/s/John D. Reiersen       John D. Reiersen, President and CEO