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                                                                   EXHIBIT 10.2d

                             AMENDMENT NO. 3 TO THE

                 RETIREMENT INCOME PLAN FOR SELECTIVE INSURANCE

                               COMPANY OF AMERICA

      Selective Insurance Company of America (the "Company") hereby adopts the
following amendment to the Retirement Income Plan For Selective Insurance
Company of America (the "Plan") effective January 1, 1997:

      1. Article III of the Plan is amended by adding the following as new
Section 3.4 and renumbering existing Sections 3.4 through Section 3.9
accordingly:

      "3.4 Reemployment. For purposes of eligibility, the Plan shall take into
      account all of an Employee's years of service with the Company or an
      Affiliate. An Employee who has satisfied the eligibility conditions of
      Section 3.2, but who terminates employment prior to becoming a Member,
      shall become a Member in the Plan immediately upon his reemployment. Any
      other Employee whose employment terminates and who is subsequently
      reemployed shall become a Member in accordance with the provisions of
      Section 3.2. A Member who incurs a Severance from Service and is then
      reemployed shall reenter the Plan immediately upon his date of
      reemployment."

      2 The Plan is hereby amended by adding the following as new Section
3.5(b)(3)(E) and renumbering existing Section 3.5(b)(3)(E) accordingly:

      "(E) Notwithstanding anything in this Section 3.5(b)(3) to the contrary,
      if a Member received an involuntary cash-out under Section 5.4 of the
      Plan, his prior Benefit Service shall not be reinstated upon his
      reemployment by the Company or an Affiliate."

      3. Section 4.1(b) of the Plan is hereby amended by adding the following to
the end thereof:

      "Notwithstanding anything in the Plan to the contrary, a Member's Normal
      Retirement Benefit may not be decreased by reason of any increase in the
      benefit level payable under title II of the Social Security Act or any
      increase in the wage base under such title II, if such increase
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      takes place after the earlier of (i) the date on which such benefits
      commence; or (ii) the date the Member terminated from employment if the
      Member has not commenced benefits."

      4. Section 5.4 of the Plan is hereby amended by inserting the phrase "who
has terminated from employment" after the phrase "Member" in the first sentence
thereof.

      5. Section 9.4 of the Plan is hereby amended by adding a new Section
9.4(c) as follow:

      "If the Plan's vesting schedule is amended, or the Plan is amended in any
      way that directly or indirectly affects the computation of the Member's
      non-forfeitable percentage or if the plan is deemed amended by an
      automatic change to or from a top-heavy vesting schedule, each Member with
      at least 3 years of service with the employer may elect, within a
      reasonable period after the adoption of the amendment or change, to have
      the non-forfeitable percentage computed under the plan without regard to
      such amendment or change."

                                        ____________________________________
                                        Selective Insurance Company of America<PAGE>
                                                                Exhibit 10.12e2

                     AMENDMENT NO. 2 TO EMPLOYMENT AGREEMENT

      AMENDMENT NO. 2, dated as of March 1, 2003, among SELECTIVE INSURANCE
GROUP, INC., a New Jersey corporation ("Selective"), having an office at 40
Wantage Avenue, Branchville, New Jersey 07826, SELECTIVE INSURANCE COMPANY OF
AMERICA, a New Jersey corporation ("SICA"), having an office at 40 Wantage
Avenue, Branchville, New Jersey 07826, and JAMES W. COLEMAN JR., having an
address at 5035 Windward Avenue, Sarasota, Florida (the "Executive"), to
Employment Agreement dated as of May 1, 1997 among Selective, SICA and the
Executive, (as so amended, the "Employment Agreement").

      WHEREAS, Selective, SICA and the Executive have executed and delivered the
Employment Agreement, and Selective has guaranteed all of the obligations of
SICA as the Employer under the Employment Agreement; and

      WHEREAS, the parties hereto desire to further amend the Employment
Agreement to extend the term thereof and to modify the description of the duties
of the Executive, as set forth in Section 4(a) of the Employment Agreement, and
to modify the Salary (as defined in Section 3 of the Employment Agreement)
provided for therein.

      THEREFORE, in consideration of the premises and the mutual covenants
hereinafter set forth, the parties hereto agree as follows:

            1. The term of employment under the Employment Agreement is hereby
extended for a period of three (3) years commencing March 1, 2003 (the "Renewal
Term"), and all references in the Agreement to the term thereof or the
Executive's term of employment thereunder shall include the Renewal Term.

            2. The Salary, as defined and provided for in Section 3 of the
Employment Agreement, shall be paid to the Executive at a rate of not less than
Two Hundred Ninety-Four Thousand and 06/100 ($294,000.06) Dollars per year
during the Renewal Term.

            3. The Executive is presently serving as an Executive Vice
President-Diversified Insurance Services of SICA and Selective, and all
reference to the Employment Agreement to Executive serving as Senior Vice
President of the Company (as defined in the Employment Agreement) are hereby
amended to refer to the Executive as an Executive Vice President-Diversified
Insurance Services of the Company (as defined in the Employment Agreement) and
Selective.
<PAGE>

            4. Selective reaffirms that it guarantees to the Executive the full
performance by SICA of all of its obligations under the Employment Agreement as
amended herein.

            5. Except as amended herein, the Employment Agreement shall continue
in full force and effect on and after the date hereof.

            IN WITNESS WHEREOF, this Amendment has been duly executed by the
Executive and on behalf of Selective and SICA by their duly authorized officers
as of the date and year first above written.

                                        SELECTIVE INSURANCE GROUP, INC.

                                        By:  /s/  Gregory E. Murphy
                                          --------------------------------------
                                              Name:  Gregory E. Murphy
                                              Title: President and Chief
                                                     Executive Officer

                                        SELECTIVE INSURANCE COMPANY
                                        OF AMERICA

                                        By:  /s/  Gregory E. Murphy
                                          --------------------------------------
                                              Name:  Gregory E. Murphy
                                              Title: President and Chief
                                                     Executive Officer

                                        By:  /s/  James W. Coleman, Jr.
                                          --------------------------------------
                                                Executive<PAGE>
                                                                Exhibit 10.12i1

                     AMENDMENT NO. 1 TO EMPLOYMENT AGREEMENT

      AMENDMENT NO. 1, dated as of March 1, 2003, among SELECTIVE INSURANCE
GROUP, INC., a New Jersey corporation ("Selective"), having an office at 40
Wantage Avenue, Branchville, New Jersey 07826, SELECTIVE INSURANCE COMPANY OF
AMERICA, a New Jersey corporation ("SICA"), having an office at 40 Wantage
Avenue, Branchville, New Jersey 07826, and DALE A. THATCHER, having an address
at 32 Waters Edge, Sparta, New Jersey 07871 (the "Executive"), to Employment
Agreement dated as of May 5, 2000 among Selective, SICA and the Executive, (as
so amended, the "Employment Agreement").

      WHEREAS, Selective, SICA and the Executive have executed and delivered the
Employment Agreement, and Selective has guaranteed all of the obligations of
SICA as the Employer under the Employment Agreement; and

      WHEREAS, the parties hereto desire to further amend the Employment
Agreement to extend the term thereof and to modify the description of the duties
of the Executive, as set forth in Section 4(a) of the Employment Agreement, and
to modify the Salary (as defined in Section 3 of the Employment Agreement)
provided for therein.

      THEREFORE, in consideration of the premises and the mutual covenants
hereinafter set forth, the parties hereto agree as follows:

            1. The term of employment under the Employment Agreement is hereby
extended for a period of three (3) years commencing March 1, 2003, (the "Renewal
Term"), and all references in the Agreement to the term thereof or the
Executive's term of employment thereunder shall include the Renewal Term.

            2. The Salary, as defined and provided for in Section 3 of the
Employment Agreement, shall be paid to the Executive at a rate of not less than
Two Hundred Thirty-Five Thousand and 00/100 ($235,000.00) Dollars per year
during the Renewal Term.

            3. The Executive is presently serving as an Executive Vice
President, Chief Financial Officer and Treasure of SICA and Selective, and all
references to the Employment Agreement to Executive serving as Senior Vice
President of the Company (as defined in the Employment Agreement) are hereby
amended to refer to the Executive as an Executive Vice President, Chief
Financial Officer and Treasurer of the Company (as defined in the Employment
Agreement) and Selective.
<PAGE>

            4. Selective reaffirms that it guarantees to the Executive the full
performance by SICA of all of its obligations under the Employment Agreement as
amended herein.

            5. Except as amended herein, the Employment Agreement shall continue
in full force and effect on and after the date hereof.

            IN WITNESS WHEREOF, this Amendment has been duly executed by the
Executive and on behalf of Selective and SICA by their duly authorized officers
as of the date and year first above written.

                                        SELECTIVE INSURANCE GROUP, INC.

                                        By:   /s/ Gregory E. Murphy
                                          --------------------------------------
                                              Name:  Gregory E. Murphy
                                              Title: President and Chief
                                                     Executive Officer

                                        SELECTIVE INSURANCE COMPANY
                                        OF AMERICA

                                        By:   /s/ Gregory E. Murphy
                                          --------------------------------------
                                              Name:  Gregory E. Murphy
                                              Title: President and Chief
                                                     Executive Officer

                                        By:   /s/ Dale A. Thatcher
                                          --------------------------------------
                                            Dale A. Thatcher, Executive

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