Document:

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                                                                   EXHIBIT 10.20

                      SECOND AMENDMENT TO CREDIT AGREEMENT

         THIS SECOND AMENDMENT TO CREDIT AGREEMENT (this "Amendment") made as of
the 6th day of March, 2002, by and among M/I SCHOTTENSTEIN HOMES, INC., an Ohio
corporation ("Borrower"), FLEET NATIONAL BANK (formerly known as BankBoston,
N.A.) ("Fleet"), BANKERS TRUST COMPANY ("BT"; Fleet and BT are hereinafter
referred to collectively as the "Lenders") and FLEET NATIONAL BANK (formerly
known as BankBoston, N.A.), as Agent (the "Agent").

                              W I T N E S S E T H:
                               -------------------

         WHEREAS, Borrower, Agent and Fleet entered into that certain Credit
Agreement dated August 29, 1997, as amended by First Amendment Credit Agreement
dated September 15, 2000 (as amended, the "Credit Agreement"); and

         WHEREAS, Borrower has requested that the Lenders modify the Credit
Agreement in certain respects; and

         WHEREAS, the Agent and the Lenders have agreed to such modification to
the Credit Agreement subject to the execution and delivery by Borrower of this
Amendment.

         NOW, THEREFORE, for and in consideration of the sum of TEN and NO/100
DOLLARS ($10.00), and other good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the parties hereto do hereby
covenant and agree as follows:

         1. Definitions. All the terms used herein which are not otherwise
defined herein shall have the meanings set forth in the Credit Agreement.

         2. MODIFICATION OF THE CREDIT AGREEMENT. Borrower, the Lenders and
Agent do hereby modify and amend the Credit Agreement by deleting in its
entirety the definition of "CHANGE OF CONTROL" appearing in ss.1.1 of the Credit
Agreement, appearing on page 2 thereof, and inserting in lieu thereof the
following definition:

                  "CHANGE OF CONTROL. A Change of Control shall be
                  deemed to occur upon the occurrence of any of the
                  following events: (a) any Person or group of related
                  Persons (other than Irving E. Schottenstein and the
                  immediate family of Irving E. Schottenstein) owns or
                  controls more than thirty-three and 1/3 percent
                  (33.33%) of the outstanding voting capital stock of
                  the Borrower; or (b) the aggregate amount of
                  outstanding voting capital stock of the Borrower
                  owned or controlled by (i) Irving E. Schottenstein
                  (including voting capital stock owned or controlled
                  by his spouse), (ii) Robert H. Schottenstein
                  (including voting capital stock owned or controlled
                  by his spouse or his children), (iii) Steven
                  Schottenstein (including voting capital stock owned
                  or controlled by his spouse or his children), and
                  (iv) trusts for the benefit of Robert H.
                  Schottenstein or

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                  Steven Schottenstein or the respective spouse,
                  children or grandchildren of Robert H. Schottenstein
                  or Steven Schottenstein, shall be less than
                  sixty-seven percent (67%) of the aggregate amount of
                  the outstanding voting capital stock of the Borrower
                  owned or controlled by such Persons as of August 29,
                  1997, provided that any voting capital stock owned or
                  controlled by Irving E. Schottenstein or his spouse
                  with respect to trusts for the benefit of Gary L.
                  Schottenstein or Linda S. Fisher or the respective
                  spouse, children or grandchildren of Gary L.
                  Schottenstein or Linda S. Fisher shall be excluded
                  from any calculation of stock ownership or control
                  for all purposes of this clause (b); or (c) none of
                  Irving E. Schottenstein, Robert Schottenstein or
                  Steven Schottenstein shall be Chairman of the Board
                  or President of the Borrower.";

         3. REFERENCES TO CREDIT AGREEMENT. All references in the Loan Documents
to the Credit Agreement shall be deemed a reference to the Credit Agreement, as
modified and amended herein.

         4. REPRESENTATIONS. Borrower represents and warrants to Agent and the
Lenders as follows:

                  (a) AUTHORIZATION. The execution, delivery and performance of
this Amendment and the transactions contemplated hereby (i) are within the
authority of Borrower, (ii) have been duly authorized by all necessary
proceedings on the part of Borrower, (iii) do not and will not conflict with or
result in any breach or contravention of any provision of law, statute, rule or
regulation to which Borrower is subject or any judgment, order, writ,
injunction, license or permit applicable to Borrower, (iv) do not and will not
conflict with or constitute a default (whether with the passage of time or the
giving of notice, or both) under any provision of the certificate of formation,
operating agreement, articles of incorporation or other charter documents or
bylaws of, or any mortgage, indenture, agreement, contract or other instrument
binding upon Borrower or any of its properties or to which Borrower is subject,
and (v) do not and will not result in or require the imposition of any lien or
other encumbrance on any of the properties, assets or rights of Borrower.

                  (b) ENFORCEABILITY. The execution and delivery of this
Amendment is the valid and legally binding obligations of Borrower enforceable
in accordance with the terms and provisions hereof, except as enforceability is
limited by bankruptcy, insolvency, reorganization, moratorium or other laws
relating to or affecting generally the enforcement of creditors' rights and
except to the extent that availability of the remedy of specific performance or
injunctive relief is subject to the discretion of the court before which any
proceeding therefor may be brought.

                  (c) APPROVALS. The execution, delivery and performance of this
Amendment and the transactions contemplated hereby do not require the approval
or consent of any Person or the authorization, consent, approval of or any
license or permit issued by, or any filing or registration

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with, or the giving of any notice to, any court, department, board, commission
or other governmental agency or authority other than those already obtained.

         5. NO DEFAULT. By execution hereof, the Borrower certifies that
Borrower is and will be in compliance with all covenants under the Loan
Documents after the execution and delivery of this Amendment, and that no
Default or Event of Default has occurred and is continuing.

         6. WAIVER OF CLAIMS. Borrower acknowledges, represents and agrees that
Borrower has no defenses, setoffs, claims, counterclaims or causes of action of
any kind or nature whatsoever with respect to the Loan Documents, the
administration or funding of the Loan or with respect to any acts or omissions
of Agent or any Lender, or any past or present officers, agents or employees of
Agent or any Lender, and each of such Persons does hereby expressly waive,
release and relinquish any and all such defenses, setoffs, claims, counterclaims
and causes of action, if any.

         7. RATIFICATION. Except as hereinabove set forth, all terms, covenants
and provisions of the Credit Agreement remain unaltered and in full force and
effect, and the parties hereto do hereby expressly ratify and confirm the Loan
Documents and the Credit Agreement as modified and amended herein. Nothing in
this Amendment shall be deemed or construed to constitute, and there has not
otherwise occurred, a novation, cancellation, satisfaction, release,
extinguishment or substitution of the indebtedness evidenced by the Notes or the
other obligations of Borrower under the Loan Documents.

         8. AMENDMENT AS LOAN DOCUMENT. This Amendment shall constitute a Loan
Document.

         9. COUNTERPARTS. This Amendment may be executed in any number of
counterparts which shall together constitute but one and the same agreement.

         10. MISCELLANEOUS. This Amendment shall be construed and enforced in
accordance with the laws of the Commonwealth of Massachusetts. This Amendment
shall be effective upon the execution and delivery of this Amendment by the
Borrower, the Agent and the Majority Holders. This Amendment shall be binding
upon and shall inure to the benefit of the parties hereto and their respective
permitted successors, successors-in-title and assigns as provided in the Credit
Agreement.

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         IN WITNESS WHEREOF, the parties hereto have hereto set their hands and
affixed their seals as of the day and year first above written.

                      BORROWER:

                      M/I SCHOTTENSTEIN HOMES, INC., an Ohio corporation

                      By:
                         --------------------------------------------------
                           Name:
                                -------------------------------------------
                           Title:
                                 ------------------------------------------

                      Attest:
                             ----------------------------------------------
                           Name:
                                -------------------------------------------
                           Title:
                                 ------------------------------------------

                      FLEET NATIONAL BANK (formerly known as BankBoston, N.A.),
                      individually and as Agent

                      By:
                         --------------------------------------------------
                           Name:
                                -------------------------------------------
                               Title:
                                     --------------------------------------

                      BANKERS TRUST COMPANY

                      By:
                         --------------------------------------------------
                           Name:
                                -------------------------------------------
                               Title:
                                     --------------------------------------<PAGE>
                                                                     Exhibit 4.6

                               AMENDMENT NO. 1 TO
                     AMENDED AND RESTATED VOTING AGREEMENT

         This AMENDMENT NO. 1 TO AMENDED AND RESTATED VOTING AGREEMENT is
entered into this 30th day of November, 2001, by and among Ceres Group, Inc., a
Delaware corporation (the "Company"), and the persons and entities set forth on
the signature page attached hereto.

         WHEREAS, the Company and certain individuals and entities are parties
to an Amended and Restated Voting Agreement, dated July 25, 2000 (the "Voting
Agreement"), pursuant to which the parties regulated certain aspects of their
relationship as holders of common stock, par value $0.001 per share, of the
Company;

         WHEREAS, Turkey Vulture Fund XIII, Ltd., an Ohio limited liability
company (the "Fund"), a party to the Voting Agreement, wishes to be released
from all provisions of the Voting Agreement and to relinquish all rights it has
thereunder, including any rights it may have to a board seat;

         WHEREAS, Billy B. Hill, Jr. and Karon Hill (together, the "Hills"),
parties to the Voting Agreement, wish to be released from all provisions of the
Voting Agreement; and

         WHEREAS, the Company and the parties listed on the signature parties
hereto representing the Required Holders (as defined in the Voting Agreement)
have agreed to amend the Voting Agreement to release the Fund and the Hills from
the Voting Agreement.

         NOW, THEREFORE, in consideration of the agreements and covenants herein
contained and for other good and valuable consideration, the parties hereto
agree as follows:

         1. Pursuant to Section 4.2 of the Voting Agreement, the Company and the
Required Holders hereby agree to release the Fund and the Hills from the Voting
Agreement.

         2. The Fund hereby agrees to relinquish all rights it has under the
Voting Agreement.

         3. Each of the Hills hereby agrees to relinquish all rights each has
under the Voting Agreement.

         4. The parties agree that Section 2.1(a)(iii) is deleted in its
entirety and is of no further force and effect. The parties also agree that any
reference to "Osborne," the "Osborne Group" and the "Osborne Group Closing Date"
in the Voting Agreement are deleted in their entirety.
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         5. The Company agrees that, upon written request by the Fund or the
Hills, it shall inform the Company's transfer agent that the legend applicable
to the Voting Agreement may be removed from any applicable stock certificate
held by the Fund or the Hills.

         6. All questions concerning the construction, validity and
interpretation of this Amendment No. 1 to the Voting Agreement, and the
performance of the obligations imposed by this Amendment No. 1, shall be
governed by the laws of the State of Ohio applicable to contracts made and
wholly performed in that state.

         7. Except as specifically provided herein, all other terms of the
Voting Agreement shall apply and shall remain unmodified and in full force and
effect.

IN WITNESS WHEREOF, the parties hereby execute this Amendment No. 1 to the
Voting Agreement as of the date set forth above.

                                     CERES GROUP, INC.

                                     /s/ Peter W. Nauert
                                     ------------------------------------------
                                     By:  Peter W. Nauert
                                     Its: Chairman, CEO and President

                                     TURKEY VULTURE FUND XIII, LTD.

                                     /s/ Richard M. Osborne
                                     ------------------------------------------
                                     By: Richard M. Osborne
                                     Its: Manager

                                     /s/ Billy B. Hill, Jr.
                                     ------------------------------------------
                                     Billy B. Hill, Jr.

                                     /s/ Karon Hill
                                     ------------------------------------------
                                     Karon Hill

<PAGE>

                               AMENDMENT NO. 1 TO
                   THE AMENDED AND RESTATED VOTING AGREEMENT
                        CONSENT OF THE REQUIRED HOLDERS

            INTERNATIONAL MANAGED CARE
            (BERMUDA), L.P.

            By: Insurance Partner Offshore (Bermuda), L.P.,
                   its general partner

                    By: Insurance GenPar (Bermuda), L.P.,
                           its general partner

                             By: Insurance GenPar (Bermuda)
                                   MGP, L.P., its general partner

                                      By: Insurance GenPar (Bermuda)
                                             MGP, Ltd., its general Partner

                                      /s/ Bradley E. Cooper
                                      -----------------------------------------
                                      By: Bradley E. Cooper
                                      Title:  Senior Vice President

            INTERNATIONAL MANAGED CARE, LLC

            By: Insurance Partner, L.P.,
                   its managing member

                    By: Insurance GenPar, L.P.,
                           its general partner

                             By: Insurance GenPar MGP, L.P.,
                                    its general partner

                                      By: Insurance GenPar MGP, Inc.,
                                             its general Partner

                                      /s/ Bradley E. Cooper
                                      -----------------------------------------
                                      By:  Bradley E. Cooper
                                      Title:  Senior Vice President

                    /s/ Peter W. Nauert
                    -----------------------------------------------------------
                    PETER W. NAUERT
<PAGE>

                       CASTLE CREEK CAPITAL PARTNERS
                       FUND IIa, LP

                        By: Castle Creek Capital, LLC, its general partner

                        /s/ William J. Ruh
                        -------------------------------------------------------
                        By:  William J. Ruh
                        Title:  Executive Vice President

                       CASTLE CREEK CAPITAL PARTNERS
                       FUND IIb, LP

                        By: Castle Creek Capital, LLC, its general partner

                        /s/ William J. Ruh
                        -------------------------------------------------------
                        By:  William J. Ruh
                        Title:  Executive Vice President

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