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                                                                    Exhibit 10.9

                           INTERNATIONAL PAPER COMPANY

                      UNFUNDED SUPPLEMENTAL RETIREMENT PLAN

                               FOR SENIOR MANAGERS

                 As Amended and Restated Through January 1, 2002

                                    PREAMBLE

         This Plan was originally established as the International Paper Company
Unfunded Excess-Benefit Plan for Senior Managers and became effective as of
November 1, 1983, pursuant to a resolution of the Board of Directors of
International Paper Company ("the Company") dated October 11, 1983. Effective as
of November 12, 1985, the name of the Plan was changed to the International
Paper Company Unfunded Supplemental Retirement Plan for Senior Managers, and
additional benefit provisions were added to the Plan as set forth herein. The
Plan was amended effective as of April 1, 1991, to delete the statutory
limitation excess benefit provision from the Plan, because the Company has
established a separate plan to provide statutory limitation excess benefits to
salaried employees of the Company and its United States subsidiaries. The Plan
was amended effective September 8, 1992, to change the calculation of the
Supplemental Benefit payable under the Plan. The Plan was amended effective July
1, 1993, to change the definition of Compensation under the Plan. The Plan was
amended effective December 1, 1993, to specify the optional forms of benefit
payment and death benefits.

         The Plan was amended effective January 1, 2000, to change the
definition of Compensation under the Plan, establish a pensionable pay minimum
for purposes of the Plan, clarify the vesting provisions applicable to
participants, change certain provisions relating to the commencement of the
Supplemental Benefit payable under the Plan, clarify the calculation of the
pre-retirement death benefit, clarify that benefits under the Plan continue to
accrue during disability and to conform the non-competition provisions under the
Plan with the terms of the Eligible Employee's Confidentiality and
Non-Competition Agreement (the "Confidentiality and Non-Competition Agreement").
The Plan was amended effective January 1, 2001, and amended effective October 9,
2001, to change the definition of Compensation under the Plan.

1.   Name and Purpose.
     -----------------

     This Plan shall be known as the International Paper Company Unfunded
     Supplemental Retirement Plan for Senior Managers (the "Plan"). The Plan is
     an unfunded plan maintained by the Company for the purpose of providing
     deferred compensation for a select group of management or highly
     compensated employees within the meaning of the exemption provisions of
     Parts 2, 3 and 4 of Subtitle B of Title I of the Employee Retirement Income
     Security Act of 1974, as amended (and related regulations and provisions of
     the Internal Revenue Code of 1986, as amended). The Plan is maintained for
     the purpose of providing for the payment of a supplemental retirement
     benefit to an Eligible Employee which is in addition to the amount of the
     retirement benefits payable

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     to such person under the standard 1.67% benefit formula provisions for
     salaried employees of the Retirement Plan of International Paper Company
     (as amended from time to time, the "Retirement Plan") and any statutory
     limitation excess pension benefits payable to such person under any other
     plan maintained by the Company or its subsidiaries.

2.   Funding of Benefits.
     --------------------

     The benefits payable under the Plan will be paid from the Company's general
     assets as payments become due under the Plan, and will not be funded in
     advance through an Internal Revenue Service qualified trust arrangement or
     through insurance annuity contracts. From time to time the Company may
     arrange for insurance annuity contracts on the lives of Eligible Employees
     (the proceeds of which are payable to the Company) in order to insure the
     Company for part or all of the payments which the Company will make under
     the Plan. All Eligible Employees participating in the Plan agree to
     authorize the Company to purchase such insurance contracts. Eligible
     Employees participating in the Plan (and their beneficiaries) will not have
     any beneficial interest in such insurance contracts or in the proceeds of
     such insurance contracts. With respect to claims for benefits under the
     Plan, Eligible Employees and their beneficiaries shall be general unsecured
     creditors of the Company.

3.   Eligible Employees.
     -------------------

     The persons who are eligible to receive benefits under the Plan ("Eligible
     Employees") are persons who are (A) salaried employees of the Company and
     its subsidiaries on or after the effective date of the Plan, (B) designated
     by the Chief Executive Officer of the Company as eligible to participate in
     the Plan and (C) participants in the Retirement Plan. All of the terms and
     conditions of the Plan shall be binding upon any surviving spouse,
     beneficiaries, executor, administrator, heirs or successors of an Eligible
     Employee.

4.   Vesting.
     --------

     An Eligible Employee who has attained his or her Vesting Date while
     employed shall be fully vested in his or benefits under the Plan. For
     purposes of the Plan, "Vesting Date", with respect to any Eligible
     Employee, shall mean the earliest of:

     (A)  this or her attainment of age 62 with five years of Vesting Service
          (as defined in the Retirement Plan);

     (B)  his or her attainment of age 61 with 20 years of Vesting Service; or

     (C)  his or her attainment of age 65.

     Notwithstanding the foregoing, such vesting with respect to any Eligible
     Employee may occur prior to the age 62 with the consent of the Management
     Development and Compensation Committee (the "Committee") of the Board of
     Directors of the Company (the "Board"); provided that such Eligible Person
     has five years of Vesting Service.

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5.   Amount and Time of Payment of Supplemental Benefit.
     ---------------------------------------------------

     The amount of the monthly supplemental retirement benefit payable to an
     Eligible Employee under the Plan (the "Supplemental Benefit") is an amount
     (in the form of a monthly benefit payable as a single-life annuity on an
     unreduced basis starting at age 62) determined as set forth below:

     (A)  Calculation of the Amount of the Supplemental Benefit.

          The Supplemental Benefit is calculated in the manner set forth for
          determining an "Accrued Benefit" under the standard 1.67% salaried
          benefit formula of the Retirement Plan, using the terms "Credited
          Service" and "Primary Social Security Benefit" (as such terms are
          defined in the Retirement Plan), except that:

               (x) the term "Credited Service", with respect to an Eligible
               Employee, may also include service by such Eligible Employee with
               an acquired company, to the extent granted by the Plan
               Administrator, and shall include any period prior to such
               Eligible Employee's attainment of age 65 during which such he is
               entitled to benefits under the Company's long-term disability
               plan applicable to him; and

               (y) the formula shall be the greater of Sections 5(A)(i) or
               5(A)(ii) below.

          (i)  An amount equal to the lesser of (a) or (b), reduced by (c)
               below:

               (a)  3.25% of the Eligible Employee's Compensation (as defined in
                    Section 5(B) below) multiplied by the number of years of his
                    or her Credited Service.

               (b)  Fifty percent (50%) of the Eligible Employee's Compensation.

               (c)  The product of:

                    (1)  3.25% of the Eligible Employee's Primary Social
                         Security Benefit multiplied by the number of years of
                         his or her Credited Service projected to age 65,
                         subject to a maximum of 50% of the Eligible Employee's
                         Primary Social Security Benefit; and

                    (2)  The ratio of years of the Eligible Employee's Credited
                         Service at the determination date to his or her
                         Credited Service projected to age 65.

          (ii) Twenty-five percent (25%) of the Eligible Employee's
               Compensation.

          and the amount calculated under the formula set forth above shall be
          reduced by all of the following amounts:
                     ----------------------------

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          I.   the actual amount of the Eligible Employee's vested benefit under
               the Retirement Plan or any other qualified pension benefit plan
               maintained by the Company or its subsidiaries (converted to a
               single-life annuity); and

          II.  the single-life annuity actuarial equivalent of any retirement
               benefit paid or payable directly from the Company or any of its
               subsidiaries under a similar contractual-type arrangement (but
               not payments made pursuant to the International Paper Company
               Salaried Savings Plan or any other defined contribution or
               non-qualified savings plan).

(B)  Compensation.

     For purposes of the formula set forth in Section 5(A) above:

     The term "Compensation", with respect to any Eligible Employee and any
     determination date, shall equal the sum of:

     (i)   such Eligible Employee's highest annual base salary during the three
           consecutive calendar years prior to such date of determination; plus

     (ii)  the Eligible Employee's target award (whether or not deferred) under
           the Company's Management Incentive Plan for the year in which the
           Eligible Employee terminates or retires; plus

     (iii) any incentive award paid under the Champion Integration Chief
           Executive Officer Performance Incentive Plan;

     provided, however, that Compensation shall not include any awards or income
     described in Section 1.142 of the Retirement Plan (except as expressly
     included in this Section 5(B)); and provided further, however, that in the
     case of any Eligible Employee who is entitled to benefits under the
     Company's long-term disability plan applicable to him or her, Sections
     5(B)(i) and 5(B)(ii) shall be replaced as follows:

     (i)   such Eligible Employee's annual base salary in effect as of the last
           day of active employment prior to becoming entitled to benefits under
           the Company's long-term disability plan applicable to him or her

     (ii)  the average of the awards, if any, earned by such Eligible Employee
           (whether or not deferred) under the company's Management Incentive
           Plan in respect of the three consecutive calendar years prior to
           becoming entitled to benefits under the Company's long-term
           disability plan applicable to him.

(C)  Time of Payment of the Supplemental Benefit.

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          As specified in Section 6 below, payment of the Supplemental Benefit
          to an Eligible Employee may commence on the first day of any month on
          or after his Benefit Commencement Date. "Benefit Commencement Date",
          with respect to any Eligible Employee, shall mean the earliest of:

             (i)   his attainment of age 62 with 10 years of Vesting Service;

             (ii)  his attainment of age 61 with 20 years of Vesting Service; or

             (iii) his attainment of age 65.

          Notwithstanding the foregoing, payment of the Supplemental Benefit to
          an Eligible Employee may commence prior to such Eligible Employee's
          Benefit Commencement Date with the consent of the Committee; provided
          that such Eligible Employee has attained age 55 and has 10 years of
          Vesting Service; and provided further that such Eligible Employee's
          Supplemental Benefit shall be reduced by 4% for each year that
          commencement precedes age 62.

6.   Forms of Benefit Payment.
     -------------------------

     (A)  The forms of benefit payment available under the Plan (including joint
          and survivor annuity benefit options) shall be the same as under the
          provisions of the Retirement Plan. Any election as to form of benefit
          payment and time of benefit payment made by an Eligible Employee under
          the provisions of the Retirement Plan shall be deemed also to have
          been made with respect to his or her Supplemental Benefit payable
          under the Plan, and any early retirement or actuarial reduction
          factors applied to the benefit elected under the Retirement Plan shall
          be similarly applied to his or her Supplemental Benefit. Payment of
          the Supplemental Benefit to an Eligible Employee shall commence on
          January 1 of the year following such Eligible Employee's retirement
          date; provided that solely at the Plan Administrator's discretion and
          direction, payment of such Supplemental Benefit may commence on a date
          beginning on or after such Eligible Employee's retirement date.

     (B)  Notwithstanding the foregoing, with the consent of the Plan
          Administrator, an Eligible Employee may elect payment of his or her
          Supplemental Benefit in the form of a lump-sum distribution or annual
          installments payable over a designated period ranging from two to 15
          years. An Eligible Employee may make this election at any time
          beginning with the calendar year in which he or she attains age 61,
          but must make an election before his or her retirement date. Payment
          of the lump-sum distribution or installments so elected shall commence
          on January 1 of the year following his or her retirement date. This
          election may be made only once during the applicable election period
          and is irrevocable, except as provided in Section 6(D) below. Prior to
          the commencement of benefit payment under this election, a portion of
          an Eligible Employee's Supplemental Benefit may be paid to him or her
          in accordance with Section 6(A) above, solely at the Plan
          Administrator's discretion and direction, on a single life annuity
          basis with no reductions, beginning on or after the Eligible
          Employee's retirement date.

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     (C)  Both the lump-sum distribution and installment payment amounts under
          Section 6(B) above shall be computed on a cost-neutral basis to the
          Company, using a discount rate as recommended by the Company's Chief
          Financial Officer with the advice of the Company's actuary. An
          Eligible Employee has the choice of having the discount rate
          determined at the time of his or her election or on the December 31
          preceding the January 1 payment commencement date described in Section
          6(B) above. The availability of the lump-sum distribution and
          installment forms of payment shall be subject to the Company's
          financial requirements.

     (D)  An Eligible Employee's election under Section 6(B) above may be
          revoked, with the consent of the Plan Administrator, in the event such
          Eligible Employee suffers a significant life change following such
          election, but prior to his or her retirement date. The marriage or
          divorce of an Eligible Employee or death of an Eligible Employee's
          spouse shall constitute a "significant life change". Upon revocation
          of the election under Section 6(B) above, the Eligible Employee shall
          make a new election, prior to his or her retirement date, as to
          payment of the Supplemental Benefit in a form available under Sections
          6(A) or 6(B) above.

     (E)  In the event an Eligible Employee dies on or after attainment of age
          62, but prior to his or her retirement date, the Supplemental Benefit
          shall be payable to his or her surviving spouse, if any, in the form
          of a pre-retirement surviving spouse's benefit, based on the
          provisions of the Retirement Plan. With the consent of the Committee,
          a pre-retirement surviving spouse's benefit may be provided in the
          event of an Eligible Employee's death prior to his or her attainment
          of age 62. Any such pre-retirement surviving spouse's benefit shall be
          paid in the manner set forth for determining a "Qualified Joint and
          Survivor Annuity" under the Retirement Plan (providing 50% of the
          Eligible Employee's reduced benefit to his or her spouse).

     (F)  In the event an Eligible Employee dies on or after his or her
          retirement date, but prior to the January 1 on which an annuity under
          Section 6(A) is to commence, the Eligible Employee's named annuitant
          or beneficiary, if any, shall receive the payments due under the
          annuity option elected.

          In the event an Eligible Employee dies on or after his or her
          retirement date but prior to the January 1 on which a lump-sum
          distribution elected under Section 6(B) is to be paid, the Eligible
          Employee's beneficiary shall be paid the value of the Supplemental
          Benefit which was to have been paid on such January 1, in a lump-sum.
          In the event an Eligible Employee who has elected installment payments
          under Section 6(B) above dies on or after his or her retirement date
          but prior to having received the full number of installment payments,
          the Eligible Employee's beneficiary shall receive the remaining
          installment payments, provided that the Plan Administrator has the
          discretion to convert the remaining installment payments into a
          lump-sum payable to the beneficiary.

          The provisions of this Section 6(F) shall apply regardless of whether,
          at the direction of the Plan Administrator as provided in Sections
          6(A) and 6(B) above,

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          a portion of the Supplemental Benefit was paid to the Eligible
          Employee during the calendar year which includes his or her retirement
          date.

     (G)  In the event an Eligible Employee who has made an election under
          Section 6(B) above with respect to the payment of his or her
          Supplemental Benefit under the Plan is also entitled to a benefit
          under the International Paper Company Pension Restoration Plan for
          Salaried Employees (as amended from time to time, the "Restoration
          Plan"), the benefit under such other plan shall be paid in the same
          form as that elected under Section 6(B) above for benefits payable
          under the Plan. At the time benefit payment is to commence, the
          benefit payable under the Restoration Plan shall be transferred to the
          Plan for Payment.

7.   Benefit Not Assignable.
     -----------------------

     An Eligible Employee's rights under the Plan shall not be subject to
     assignment, encumbrance, garnishment, attachment or charge, whether
     voluntary or involuntary, and in the event of any such assignment, action
     or proceeding, any benefit otherwise payable under the Plan shall be deemed
     terminated or forfeited.

8.   Termination of Benefit/Repayment of Benefit.
     --------------------------------------------

     (A)  Eligibility of a person to participate in the Plan, or to receive
          payment of any benefit under the Plan, shall be subject to being
          terminated by the Committee, in the Committee's sole discretion, if
          the person:

          (i)  shall, without the consent of the Committee or without "good
               reason" (as defined below), voluntarily terminate employment with
               the Company (or retire from the Company) prior to age 62; for
               purposes of this subparagraph "good reason" for voluntary
               termination prior to his or her attainment of age 62 shall mean
               any of the following:

               (a)  the assignment of any duties inconsistent with the person's
                    status as a senior manager of the Company or a substantial
                    alteration in the nature or status of the person's
                    responsibilities;

               (b)  a reduction in the person's base salary (except for
                    across-the-board salary reductions similarly affecting all
                    managers of the Company);

               (c)  the failure of the Company to continue in effect any
                    vacation plan or any material compensation plan in which the
                    person participates, unless an equitable arrangement
                    (embodied in an ongoing substitute or alternative plan) has
                    been made with respect to such plan, or the failure by the
                    Company to continue the person's participation therein on
                    substantially the same basis, both in terms of the amount of
                    benefits provided and the level of participation, relative
                    to other participants; or

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                (d) the failure by the Company, except as necessary to comply
                    with applicable laws, to continue to provide the person with
                    benefits substantially similar to those enjoyed under any of
                    the Company's pension, life insurance, medical, health and
                    accident, or disability plans in which the person previously
                    participated, or the taking of any action by the Company
                    which would directly or indirectly materially reduce any of
                    such benefits or deprive the person of any material fringe
                    benefit previously enjoyed by the person;

          (ii)  shall, without the consent of the Committee, breach any of the
                terms of his or her Confidentiality and Non-Competition
                Agreement; or

          (iii) shall have been involuntarily terminated by the Company for
                "good cause" (as defined below), or shall have been found by the
                Committee to have engaged in any action inimical to the
                interests of the Company, dishonesty or other serious misconduct
                in connection with the person's employment by the Company or a
                subsidiary; for purposes of this subparagraph "good cause" for
                involuntary termination shall mean termination upon:

                (a) the willful and continued failure substantially to perform
                    properly assigned duties with the Company (other than any
                    such failure resulting from incapacity due to physical or
                    mental illness) after a written demand is delivered by the
                    Board which specifically identifies the manner in which the
                    Board believes that properly assigned duties have not been
                    substantially performed; or

                (b) the willful engaging in conduct which is demonstrably and
                    materially injurious to the Company, monetarily or
                    otherwise;

                for purposes of this Section 8(A)(iii), no act, or failure to
                act, shall be deemed "willful" unless done (or omitted to be
                done) not in good faith and without reasonable belief that the
                action or omission was in the best interest of the Company;
                notwithstanding the foregoing, a person shall not be deemed to
                have been terminated for good cause unless and until there shall
                have been delivered a copy of a resolution duly adopted by the
                affirmative vote of not less than three-quarters (3/4) of the
                entire membership of the Board at a meeting of the Board (after
                reasonable notice to the person and an opportunity, together
                with counsel, to be heard before the Board), finding that in the
                good faith opinion of the Board, the person was guilty of
                conduct set forth in Sections 8(A)(iii)(a) or 8(A)(iii)(b) above
                and specifying the particulars thereof in detail.

(B)       In the event an Eligible Employee who has retired and received payment
          of the Supplemental Benefit in the form of a lump-sum distribution or
          installments breaches any of the terms of his or her Confidentiality
          and Non-Competition Agreement, as set forth in Section 8(A)(ii) above,
          he or she shall repay to the Company a portion of the Supplemental
          Benefit received. The amount which shall be repaid is the difference
          between:

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               (a)  the amount of Supplemental Benefit the Eligible Employee has
                    received from the Company by the time the Committee notifies
                    the Eligible Employee of its objection to such competition;
                    and

               (b)  the amount the eligible Employee would have received by the
                    time of such notification had the Supplemental Benefit been
                    paid on a single-life annuity basis;

          plus reasonable interest as recommended by the Company's Chief
          Financial Officer.

9.   Amendment or Termination of Plan.
     ---------------------------------

     The Company reserves the right to amend, modify or terminate the Plan at
     any time by action of the Board; provided that such action shall not
     adversely affect any Eligible Employee's right to a benefit which accrued
     pursuant to the provisions of the Plan prior to such action.

10.  Administration of Plan.

     The Company's Senior Vice President of Human Resources shall be the Plan
     Administrator of the Plan. The Plan Administrator shall have discretion to
     interpret the Plan, to determine eligibility and amounts of benefits under
     the Plan and to decide any questions or disputes under the Plan (except for
     any necessary decisions by the Board or by the Committee pursuant to
     Section 8 above). All decisions which are made by the Board or by the
     Committee or by the Plan Administrator with respect to the Plan shall be
     final and binding on the Company and the Eligible Employees (and their
     heirs or beneficiaries).

11.  Change of Control of International Paper Company.
     -------------------------------------------------

     (A)  If a "Change of Control" of the Company (as defined in Section 11(B)
          below) occurs, then:

          (i)  the minimum amount under the formula set forth in Section
               5(A)(ii) above shall be increased from 25% to 50% of the Eligible
               Employee's Compensation; and

          (ii) the Eligible Employee's Supplemental Benefit under the Plan shall
               become vested and nonforfeitable, and shall not be subject to
               termination pursuant to any of the provisions of Section 8 above.

(B)  For purposes of this Section 11, the term "Change of Control" of the
     Company shall mean a change in control of a nature that would be required
     to be reported in response to Item 6(e) of Schedule 14A of Regulation 14A
     promulgated under the Securities Exchange Act of 1934 as amended ("Exchange
     Act"); provided that, without limitation, a Change of Control shall be
     deemed to have occurred if:

                                      - 9 -

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          (i)  any "person" as such term is used in Section 13(d) and 14(d)(2)
               of the Exchange Act (other than employee benefit plans sponsored
               by the Company) is or becomes the beneficial owner, directly or
               indirectly, of securities of the Company representing 20% or more
               of the combined voting power of the Company's then outstanding
               securities; or

          (ii) during any period of two consecutive years, individuals who at
               the beginning of such period constitute the Board, cease for any
               reason to constitute at least a majority thereof, unless the
               election, or the nomination for election, by the Company's
               shareholders of each new director was approved by a vote of at
               least two-thirds (2/3) of the directors still in office who were
               directors at the beginning of the period.

                                     - 10 -<PAGE>
                                                                     Exhibit 4.3

THE ARTICLES OF ASSOCIATION OF ACE LIMITED CONTAIN RESTRICTIONS GIVING THE
COMPANY'S DIRECTORS THE ABSOLUTE DISCRETION TO DECLINE TO REGISTER THE TRANSFER
OF ORDINARY SHARES IN CERTAIN CIRCUMSTANCES, INCLUDING IF SUCH TRANSFER WOULD
RESULT IN A PERSON OR GROUP OF PERSONS DIRECTLY OR INDIRECTLY BENEFICIALLY
OWNING MORE THAN 10% OF THE OUTSTANDING ORDINARY SHARES. IN ADDITION, THE
COMPANY'S ARTICLES OF ASSOCIATION PROVIDE THAT THE VOTING RIGHTS WITH RESPECT TO
ORDINARY SHARES DIRECTLY OR INDIRECTLY BENEFICIALLY OWNED BY ANY PERSON OR GROUP
OF PERSONS DIRECTLY OR INDIRECTLY BENEFICIALLY OWNING MORE THAN 10% OF THE
OUTSTANDING ORDINARY SHARES WILL BE LIMITED TO A VOTING POWER OF APPROXIMATELY
10%. THE COMPANY WILL FURNISH A COPY OF ITS ARTICLES OF ASSOCIATION TO THE
HOLDER OF RECORD OF THIS CERTIFICATE WITHOUT CHARGE UPON WRITTEN REQUEST TO THE
SECRETARY OF THE COMPANY AT ITS PRINCIPAL PLACE OF BUSINESS.

     ACE Limited will furnish without charge to each shareholder who so requests
the powers, designations, preferences and relative, participating, optional or
other special rights of each class of shares or series thereof of the Company,
and the qualifications, limitations, or restrictions of such preferences and/or
rights. Such request may be made to the Secretary of the Company at its
principal place of business.

This certificate also evidences and entitles the holder hereof to certain rights
as set forth in the Rights Agreement between ACE Limited (the "Company") and
Mellon Investor Services LLC, effective as of December 31, 2001 (the "Rights
Agreement"), the terms of which are hereby incorporated herein by reference and
a copy of which is on file at the principal offices of the Company. Under
certain circumstances, as set forth in the Rights Agreement, such Rights will be
evidenced by separate certificates and will no longer be evidenced by this
certificate. The Company will mail to the holder of this certificate a copy of
the Rights Agreement, as in effect on the date of mailing, without charge
promptly after receipt of a written request therefor. Under certain
circumstances set forth in the Rights Agreement, Rights issued to, or held by,
any Person who is, was or becomes an Acquiring Person or an Affiliate or
Associate thereof (as such terms are defined in the Rights Agreement), whether
currently held by or on behalf of such Person or by any subsequent holder, shall
become null and void.

          The following abbreviations, when used in the inscription on the face
of this certificate, shall be construed as though they were written out in full
according to applicable laws or regulations:

TEN COM _ as tenants in common                                 UNIF GIFT MIN ACT
_ _____________________ Custodian ____________________

(Cust)                  (Minor)

TEN ENT _ as tenants by the entireties  under Uniform Gifts to Minors

JT TEN _ as joint tenants with right
Act __________________________________________
           survivorship and not as
of                   (State)
                 tenants in common

Additional abbreviations may also be used though not in the above list.

     For Value Received, ___________________________________ hereby sell, assign
and transfer unto

<PAGE>

PLEASE INSERT SOCIAL SECURITY OR OTHER
IDENTIFYING NUMBER OF ASSIGNEE

(Please print or typewrite name and address, including zip code, of assignee)

___________________________________________________________________ Shares

of the Shares represented by the within Certificate, and do hereby irrevocably
constitute and appoint
____________________________________________________________________________
Attorney

to transfer the said shares on the books of the within named Corporation with
full power of substitution in the premises.

 Dated __________________________

_______________________________________________

<PAGE>

AC

THIS CERTIFICATE IS TRANSFERABLE
IN RIDGEFIELD PARK, NJ
OR NEW YORK, NY

INCORPORATED UNDER THE LAWS
OF THE CAYMAN ISLANDS

CUSIP G0070K 10 3

SEE REVERSE FOR CERTAIN ABBREVIATIONS AND FOR A SUMMARY OF CERTAIN RESTRICTIONS
ON SHARE TRANSFERS AND LIMITATIONS ON VOTING RIGHTS

ace limited

THIS IS TO CERTIFY THAT

IS THE OWNER OF

FULLY PAID AND NON-ASSESSABLE ORDINARY SHARES, PAR VALUE U.S. $0.041666667, IN
THE ABOVE-NAMED COMPANY SUBJECT TO THE MEMORDANDUM AND ARTICLES OF ASSOCIATION
THEREOF.

     This certificate is transferable on the books of the Corporation in person
or by duly authorized attorney upon surrender of this certificate properly
endorsed.
     This certificate is not valid until countersigned and registered by the
Transfer Agent and Registrar.
     Witness the facsimile seal of the Corporation and the facsimile signatures
of its duly authorized Directors.
Dated:

GENERAL COUNSEL AND SECRETARY

CHAIRMAN AND CHIEF EXECUTIVE OFFICER

COUNTERSIGNED AND REGISTERED:
            MELLON INVESTOR SERVICES LLC
TRANSFER AGENT
BY
AND REGISTRAR

AUTHORIZED SIGNATURE

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