Exhibit






    Exhibit 10.72
COMMITMENT INCREASE AGREEMENT 
(Credit Agreement)


THIS COMMITMENT INCREASE AGREEMENT (this “Commitment Increase Agreement”), dated as of December 11, 2015, is among ACE Limited, a Swiss company (the “Parent”), ACE Bermuda Insurance Ltd., a Bermuda company (“ACE Bermuda”), ACE Tempest Life Reinsurance Ltd., a Bermuda company (“Tempest Life”), ACE Tempest Reinsurance Ltd., a Bermuda company (“Tempest”), and ACE INA Holdings Inc., a Delaware corporation (“ACE INA” and together with the Parent, ACE Bermuda, Tempest Life and Tempest, the “Borrowers” and each individually a “Borrower”), the Banks party hereto (the “Increasing Banks” and each individually an “Increasing Bank”), Wells Fargo Bank, National Association, as Administrative Agent, and the Issuing Banks party hereto.


WHEREAS, the Parent, the Borrowers, various financial institutions and the Administrative Agent are party to that certain Credit Agreement dated as of November 6, 2012 (the “Credit Agreement”).  Capitalized terms used but not defined herein have the respective meanings set forth in the Credit Agreement. 


WHEREAS, the Parent has requested an increase in the aggregate Commitments on the terms and subject to the conditions set forth herein.


NOW, THEREFORE, the parties hereto agree as follows:


SECTION 1.Increase in Commitments.  Upon the occurrence of the Commitment Increase Date (as defined below): (a) each Increasing Bank agrees to increase its Commitment as specified in the second column (titled “Amount of Commitment Increase”) opposite its name on Schedule A hereto (collectively, the “Commitment Increase”); (b) after giving effect to the increases in Commitments contemplated by the foregoing clause (a), each Bank’s Commitment shall be the amount specified in the third column (titled “Amount of Commitment after Increase”) opposite its name on Schedule A hereto; (c) the aggregate Commitments under the Credit Agreement shall increase by the aggregate amount of the Commitment Increases of all Increasing Banks; and (d) the Administrative Agent and the Issuing Banks hereby consent to each Increasing Bank providing its Commitment Increase.  For avoidance of doubt, the parties agree that the Commitment Increase shall constitute an increase in the aggregate Commitment consummated in accordance with and pursuant to Section 2.19 of the Credit Agreement.
SECTION 2.Representations and Warranties.  The Parent represents and warrants as follows: 
1.Authorization.  The execution, delivery and performance by each Borrower of this Commitment Increase Agreement are within its corporate powers, have been duly authorized by all necessary corporate action, require no action by or in respect of, or filing with, any governmental authority or other Person and do not contravene, or constitute a default under, any provision of applicable law or regulation or of the memorandum of association, articles of association or by-laws (or any comparable document) of any Borrower or of any material agreement, judgment, injunction, order, decree or other instrument binding upon any Borrower or any of its Subsidiaries or result in the creation or imposition of any Lien on any asset of any Borrower or any of its Subsidiaries. 
2.Enforceability.  This Commitment Increase Agreement constitutes a legal, valid and binding obligation of the Borrowers enforceable against the Borrowers in accordance with its terms, subject to bankruptcy, insolvency or other laws of general application affecting the enforcement of creditors’ rights, the application of equitable principles and the non-availability of the equitable remedies of specific performance or injunctive relief.
3.Representations and Warranties; No Default.  All representations and warranties of the Borrowers contained in the Credit Agreement and the other Loan Documents qualified as to materiality are 









true and correct and those not so qualified are true and correct in all material respects, in each case both immediately before and after giving effect to the Commitment Increase (except to the extent any such representation or warranty is expressly stated to have been made as of a specific date, in which case such representation or warranty is true and correct (if qualified as to materiality) or true and correct in all material respects (if not so qualified), in each case as of such date), and no Default has occurred and is continuing, both immediately before and after giving effect to the Commitment Increase.
SECTION 3. Conditions Precedent.  This Commitment Increase Agreement shall become effective on the date when each of the following conditions is satisfied (such date, the “Commitment Increase Date”):
1.Counterparts.  The Administrative Agent shall have received from each Borrower and each Increasing Bank a counterpart of this Commitment Increase Agreement signed on behalf of such party.
2.Officer’s Certificate.  The Administrative Agent shall have received a certificate of a Responsible Officer, certifying that, as of the Commitment Increase Date, (a) the representations and warranties in Section 2 of this Commitment Increase Agreement are true and correct and (b) the resolutions of each Borrower delivered in connection with the closing of the Credit Agreement remain in full force and effect and are sufficient to authorize the increase in the Commitments contemplated by this Commitment Increase Agreement.
SECTION 4.Miscellaneous.
1.Confirmation; Ratification and Affirmation.  The provisions of the Credit Agreement shall remain in full force and effect following the effectiveness of this Commitment Increase Agreement.  Each Borrower hereby (a) acknowledges the terms of this Commitment Increase Agreement and (b) ratifies and affirms its obligations under, and acknowledges, renews and extends its continued liability under, each Loan Document to which it is a party and agrees that each Loan Document to which it is a party remains in full force and effect.  This Commitment Increase Agreement is a Loan Document.
2.Expenses.  The Parent agrees to pay, promptly upon receipt of a reasonably detailed invoice therefor, all reasonable and documented fees and expenses of counsel to the Administrative Agent in connection with the preparation, negotiation, execution and delivery of this Commitment Increase Agreement.
3.Successors and Assigns.  This Commitment Increase Agreement shall be binding upon, inure to the benefit of and be enforceable by the respective successors and assigns of the parties hereto.
4.Construction.  Headings used herein are for convenience of reference only and shall not affect the meaning of this Commitment Increase Agreement.
5.Incorporation of Certain Provisions.  Sections 1.02, 10.03, 10.10, 10.11, 10.12 and 10.13 of the Credit Agreement shall apply hereto as if fully set forth herein, mutatis mutandis (it being understood that references therein to “this Agreement” or “the Loan Documents” are or include references to this Commitment Increase Agreement).
6.Counterparts.  This Commitment Increase Agreement may be executed in any number of counterparts and by different parties hereto on separate counterparts, each of which shall be an original and all of which taken together shall constitute one and the same agreement.  Delivery to the Administrative Agent of a signed counterpart hereof, or signature page hereto, by facsimile or e-mail (in a .pdf or similar file) shall be effective as delivery of an original signed counterpart hereof or thereof.
 


[remainder of page intentionally LEFT BLANK]

























IN WITNESS WHEREOF, the parties hereto have caused this Commitment Increase Agreement to be executed by their duly authorized officers as of the date first above written.  


ACE LIMITED
    
Authorized Officer
    
Authorized Officer
    
ACE BERMUDA INSURANCE LTD.
The Common Seal of ACE Bermuda Insurance Ltd. was hereunto affixed in the presence of:
    
Authorized Officer
    
Authorized Officer


ACE TEMPEST LIFE REINSURANCE LTD.
The Common Seal of ACE Tempest Life Reinsurance Ltd. was hereunto affixed in the presence of:
    
Authorized Officer
    
Authorized Officer




(signatures continued)


























Signature Page to Commitment Increase Agreement
ACE / Wells Fargo











ACE TEMPEST REINSURANCE LTD.
The Common Seal of ACE Tempest Reinsurance Ltd. was hereunto affixed in the presence of:
    
Authorized Officer
    
Authorized Officer


ACE INA HOLDINGS INC.
    
Authorized Officer
    
Authorized Officer






(signatures continued)






























































Signature Page to Commitment Increase Agreement
ACE / Wells Fargo













WELLS FARGO BANK, NATIONAL ASSOCIATION, as Administrative Agent, as an Issuing Bank, and as an Increasing Bank




By:    ________________________________
Name:    ________________________________
Title:    ________________________________
































































































Signature Page to Commitment Increase Agreement
ACE / Wells Fargo 











Citibank N.A., as an Issuing Bank and as an Increasing Bank


                                                                      	
		
	By:
	 

	Name:
	 

	Title:
	 








JMORGAN CHASE BANK, N.A., as an Increasing Bank


                                                                       	
		
	By:
	 

	Name:
	 

	Title:
	 








BARCLAYS BANK PLC, as an Increasing Bank


                                                                            	
		
	By:
	 

	Name:
	 

	Title:
	 










HSBC BANK USA, National Association,
as an Increasing Bank


                                                                               	
		
	By:
	 

	Name:
	 

	Title:
	 










LLOYDS BANK plc, as an Increasing Bank
                                                                                	
		
	By:
	 

	Name:
	 

	Title:
	 

	 
	 






                                                                               	
		
	By:
	 

	Name:
	 

	Title:
	 

	 
	 






Signature Page to Commitment Increase Agreement
ACE / Wells Fargo 













The Bank of Tokyo-Mitsubishi, UFJ, Ltd. as an Increasing Bank


                                                                             	
		
	By:
	 

	Name:
	 

	Title:
	 








BANK OF AMERICA, N.A., as an Increasing Bank


                                                                             	
		
	By:
	 

	Name:
	 

	Title:
	 








Australia and New Zealand Banking Group 
Limited, as an Increasing Bank


                                                                                	
		
	By:
	 

	Name:
	 

	Title:
	 










ING BANK N.V., London Branch, as an Increasing Bank


                                                                                  	
		
	By:
	 

	Name:
	 

	Title:
	 








                                                                                 	
		
	By:
	 

	Name:
	 

	Title:
	 






















Signature Page to Commitment Increase Agreement
ACE / Wells Fargo













State Street Bank and Trust Company, as an 
Increasing Bank


                                                                                 	
		
	By:
	 

	Name:
	 

	Title:
	 








The Royal Bank of Scotland, plc, as an Increasing Bank


                                                                                   	
		
	By:
	 

	Name:
	 

	Title:
	 










GOLDMAN SACHS BANK USA, as an Increasing Bank


                                                                                    	
		
	By:
	 

	Name:
	 

	Title:
	 








MORGAN STANLEY BANK, N.A.,
as an Increasing Bank


                                                                                     	
		
	By:
	 

	Name:
	 

	Title:
	 








Royal Bank of Canada, as an Increasing Bank


                                                                                    	
		
	By:
	 

	Name:
	 

	Title:
	 




















Signature Page to Commitment Increase Agreement
     ACE / Wells Fargo



















Standard Chartered Bank, 
as an Increasing Bank


                                                                              	
		
	By:
	 

	Name:
	 

	Title:
	 








THE BANK OF NEW YORK MELLON, as an Increasing Bank


                                                                             	
		
	By:
	 

	Name:
	 

	Title:
	 
















































































Signature Page to Commitment Increase Agreement
ACE / Wells Fargo

















SCHEDULE A


COMMITMENTS


	
				
	Bank
	Amount of Existing Commitment
	Amount of Commitment Increase
	Amount of Commitment after Increase

	Wells Fargo Bank, National Association
	$100,000,000
	$50,000,000
	$150,000,000

	Citibank, N.A.
	$100,000,000
	$50,000,000
	$150,000,000

	JPMorgan Chase Bank, N.A.
	$100,000,000
	$50,000,000
	$150,000,000

	Barclays Bank PLC
	$75,000,000
	$37,500,000
	$112,500,000

	HSBC Bank USA, National Association
	$75,000,000
	$37,500,000
	$112,500,000

	Lloyds Bank plc
	$75,000,000
	$37,500,000
	$112,500,000

	The Bank of Tokyo-Mitsubishi UFJ, Ltd.
	$75,000,000
	$37,500,000
	$112,500,000

	Bank of America, N.A.
	$75,000,000
	$37,500,000
	$112,500,000

	Australia and New Zealand Banking Group Limited
	$50,000,000
	$25,000,000
	$75,000,000

	ING Bank N.V., London Branch
	$50,000,000
	$25,000,000
	$75,000,000

	State Street Bank and Trust Company
	$50,000,000
	$25,000,000
	$75,000,000

	The Royal Bank of Scotland plc
	$50,000,000
	$25,000,000
	$75,000,000

	Goldman Sachs Bank USA
	$25,000,000
	$12,500,000
	$37,500,000

	Morgan Stanley Bank, N.A.
	$25,000,000
	$12,500,000
	$37,500,000

	Royal Bank of Canada
	$25,000,000
	$12,500,000
	$37,500,000

	Standard Chartered Bank
	$25,000,000
	$12,500,000
	$37,500,000

	The Bank of New York Mellon
	$25,000,000
	$12,500,000
	$37,500,000

	TOTAL
	$1,000,000,000
	$500,000,000
	$1,500,000,000