FIRST AMENDMENT POOLING AGREEMENT




 Exhibit 10(a) 
 FIRST AMENDMENT TO THE AMENDED AND RESTATED INSURANCE 
 POOLING AGREEMENT 
 This First Amendment (“Amendment”) is to that certain Amended and Restated Insurance Pooling Agreement (“Pooling Agreement”), bearing
an effective date of January 1, 2007, and is made and agreed to between Alfa Mutual Insurance Company (“AMI”), and Alfa Mutual Fire Insurance Company, Alfa Mutual General Insurance Company, Alfa Specialty Insurance Corporation, Alfa
Insurance Corporation, Alfa General Insurance Corporation and Alfa Vision Insurance Corporation (hereinafter sometimes referred to as the “Associate Companies”). 
 AMI and the Associate Companies hereby ratify, confirm, and agree to all of the terms and provisions of said Pooling Agreement, except as said terms and
provisions may be directly modified by this Amendment. (This Amendment shall apply to all policies in force as well as all policies new and renewed at the opening of business 12:01 a.m., January 1, 2007). 
 Said Pooling Agreement shall be amended as follows: 
  

	1.	Alfa Alliance Insurance Corporation (formerly known as Virginia Mutual Insurance Company) will participate in said Pooling Agreement. 

  

	2.	Part I, Paragraph 1.1 page 2, shall be restated as follows: 

  

	 	1.1	The “opening of business” as used herein means 12:01 a.m., January 1, 2007, or the time stated as the opening of business set forth on Exhibit I.


  

	3.	Any references in the Pooling Agreement to the Virginia Mutual Insurance Company Quota Share Reinsurance Treaty and/or to reinsurance obligations of Alfa Mutual Fire Insurance
Company resulting from the Quota Share Reinsurance Treaty are hereby deleted and not applicable as of the Effective Date. 

  

	4.	Exhibit I to the Amendment shall be substituted for the previously adopted Exhibit I to the Pooling Agreement. 

 IN WITNESS WHEREOF, the Parties hereto have caused this Amendment to the Pooling Agreement to be executed on this 24th day of December, 2006. 

 

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	ATTEST:	  	ALFA MUTUAL INSURANCE COMPANY
		
	 /s/ H. Al Scott
	  	 /s/ Jerry A. Newby

	Secretary	  	President
		
	ATTEST:	  	ALFA MUTUAL FIRE INSURANCE COMPANY
		
	 /s/ H. Al Scott
	  	 /s/ Jerry A. Newby

	Secretary	  	President
		
	ATTEST:	  	ALFA MUTUAL GENERAL INSURANCE COMPANY
		
	 /s/ H. Al Scott
	  	 /s/ Jerry A. Newby

	Secretary	  	President
		
	ATTEST:	  	ALFA INSURANCE CORPORATION
		
	 /s/ H. Al Scott
	  	 /s/ Jerry A. Newby

	Secretary	  	President
		
	ATTEST:	  	ALFA GENERAL INSURANCE CORPORATION
		
	 /s/ H. Al Scott
	  	 /s/ Jerry A. Newby

	Secretary	  	President
		
	ATTEST:	  	ALFA SPECIALTY INSURANCE CORPORATION
		
	 /s/ H. Al Scott
	  	 /s/ Jerry A. Newby

	Secretary	  	President
		
	ATTEST:	  	ALFA VISION INSURANCE CORPORATION
		
	 /s/ H. Al Scott
	  	 /s/ Jerry A. Newby

	Secretary	  	President

  

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	ATTEST:	  	VIRGINIA MUTUAL INSURANCE COMPANY
		
	 /s/ H. Al Scott
	  	 /s/ Douglas S. Joyce

	Secretary	  	President
		
	ATTEST:	  	ALFA ALLIANCE INSURANCE CORPORATION
		
	 /s/ H. Al Scott
	  	 /s/ Douglas S. Joyce

	Secretary	  	President

  

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 EXHIBIT I 
 ALFA INSURANCE COMPANIES INSURANCE POOLING AGREEMENT 
 POOL PARTICIPATION PERCENTAGES

  

			
	 Pool Participants
	 	 Pool Participation
 Effective January 1, 2007

	 Alfa Mutual Insurance Company
	 	18%
		
	 Alfa Mutual Fire Insurance Company
	 	13%
		
	 Alfa Mutual General Insurance Company
	 	3%
		
	 Alfa General Insurance Corporation
	 	29%
		
	 Alfa Insurance Corporation
	 	29%
		
	 Alfa Specialty Insurance Corporation
	 	1%
		
	 Alfa Vision Insurance Corporation
	 	5%
		
	 Alfa Alliance Insurance Corporation
	 	2%

  

			
		
	 Opening of Business:
	  	January 1, 2007
		
	 Date of Exhibit I:
	  	January 1, 2007

  

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