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| 1.      PURPOSE                                                                                                                                                 | 1     |
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| 2.      DEFINITIONS                                                                                                                                             | 1     |
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| 3.      ADMINISTRATION                                                                                                                                          | 1     |
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| 4.      ELIGIBILITY                                                                                                                                             | 2     |
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| 5.      RETIREMENT      BENEFITS                                                                                                                                | 2     |
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| 6.      PAYMENTS      OF BENEFITS IN THE EVENT      OF      DEATH                                                                                                                                                                                                                                                                    | 2     |
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| 7.      CLAIMS      PROCEDURES                                                                                                                                  | 2     |
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| 8.      CHANGE      OF      CONTROL                                                                                                                             | 5     |
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| 9.      FUNDING                                                                                                                                                 | 5     |
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| 10.    MISCELLANEOUS                                                                                                                                                      | 6     |
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| 11.    EFFECTIVE      DATE                                                                                                                                                | 6     |

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|   | (a) | In      General.  Notice of a denial of benefits will be provided      within ninety (90) days of the Committee’s receipt of the Claimant's claim      for benefits.  If the |
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|   | Committee      determines that it needs additional time to review the claim, the      Committee will provide the Claimant with a notice of the extension before      the end of the initial ninety (90) day period.  The extension      will not be more than ninety (90) days from the end of the initial ninety      (90) day period and the notice of extension will explain the special      circumstances that require the extension and the date by which the      Committee expects to make adecision. |
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|   | (b) | Contents of      Notice.  If a claim for benefits is completely or      partially denied, notice of such denial shall be in writing and shall set      forth the reasons for denial in plain language.  The notice      shall (i) cite the pertinent provisions of the Plan document and (ii)      explain, where appropriate, how the Claimant can perfect the claim,      including a description of any additional material or information      necessary to complete the claim and why such material or information is      necessary.  The claim denial also shall include an explanation      of the claims review procedures and the time limits applicable to such      procedures, including a statement of the Claimant’s right to bring a civil      action under Section 502(a) of ERISA following an adverse decision on      review. |
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|           (a)   | the      interest rate used shall be the interest rate used by the PBGC for      determining the value of immediate annuities as of January 1 of the year      of the occurrence of the Change in Control;and |
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|           (b)   | the      1983 Group Annuity Mortality Table shall be  used. |
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|   |   |                                                  |
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|   |   | FPIC      Insurance Group, Inc.                  |   |
|   | By:    | /s/ T.      Malcolm Graham                       |   |
|   |   | Name:       T. Malcolm Graham               |   |
|   |   | Title:       General Counsel and Secretary  |   |
|   |   |                                                  |   |

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|  Name of Former Employee  | Vested      Accrued Monthly Retirement Benefit  |
|-------------------------------------|------------------------------------------------------|
| Roberta      Goes Cown         | $126.63                                              |
| Gary      M. Dallero           | $161.09                                              |
| Kim      D. Thorpe                  | $2,219.84                                       |