Document:

EXHIBIT 4(A)

                            HARLEYSVILLE GROUP INC.
                           AGENCY STOCK PURCHASE PLAN
                       As Amended & Restated June 7, 2005

1.Purpose

     The  Harleysville  Group  Inc.  Agency  Stock Purchase Plan (the "Plan") is
established  by  the  Harleysville Group Inc. (the "Company") for the benefit of
the  independent insurance agencies of the Company's parent, Harleysville Mutual
Insurance  Company  ("Parent"),  and  the  Company's  affiliated  and subsidiary
insurance  companies,  which  shall  be those insurance companies 50% or more of
whose  stock  is  owned by the Company or Parent. This Plan provides an Eligible
Agency  and  its  Key  Employees,  as defined below, an opportunity to acquire a
long-term  proprietary  interest  in  the  Company  through  the purchase of the
Company  stock  at a discount from fair market value. In offering this Plan, the
Company  seeks to foster the common interests of the Company and its independent
agencies  and employees thereof in achieving long-term profitable growth for the
Company.  Accordingly,  the  Company  has  created  this Plan for the purpose of
facilitating  the purchase of and long-term holding of shares of its stock by an
Eligible  Agency  and  its  Key  Employees  and  not  for  such  Agency's or Key
Employee's  short-term  gain.  It  is  expected  that  an Eligible Agency or Key
Employee  thereof that purchases shares of stock hereunder will hold such shares
on  a  long-term  basis,  as  the  Plan  is not intended to benefit an agency or
employee  which  demonstrates  a  pattern of immediate resale of shares acquired
hereunder  and,  as discussed in Paragraph 2 below regarding eligibility, such a
pattern  of conduct will cause an otherwise Eligible Agency to become ineligible
for continued participation in the Plan.

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2.Eligibility

     (a)An  agency  designated  as  an  Eligible  Agency  by  the  Company  is
     eligible to participate in this Plan. An Eligible Agency shall be an agency
     which,  as  determined  by the Company in its discretion, is an agency that
     brings  value  to  the Company, its Parent, affiliates and subsidiaries and
     with  which the Company seeks a long term relationship. The Company, in its
     discretion,  may base eligibility on agency segmentation class or any other
     factor(s)  which  indicates  value  to  the  Company or Parent, directly or
     indirectly. Continued eligibility will be subject to the Company's periodic
     review.

     (b)An  Eligible  Agency  that  participates  in  this  Plan may direct that
     shares  purchased under this Plan from its contribution account, as defined
     below,  be  registered  as  of  the date of purchase in the name of certain
     persons  associated  with  the  agency.  Such persons shall only be (i) the
     principal  or  principals  of  an Eligible Agency that is a proprietorship,
     (ii)  the general partner or general partners of an Eligible Agency that is
     a  partnership,  (iii)  the officers and stockholders of an Eligible Agency
     that  is  a  corporation,  (iv)  employee  benefit  plans  of such entities
     established  for  the  benefit of any of the foregoing persons, and (v) key
     employees  designated  by the principal or principals of an Eligible Agency
     that  is  a  proprietorship,  the general partner or general partners of an
     Eligible  Agency  that  is  a  partnership, or the executive officers of an
     Eligible Agency that is a corporation. The Company's determination of which
     individuals  are  eligible  for direct registration under this Plan will be
     final,  conclusive  and  binding. All persons enumerated in (i) through (v)
     above  who are designated by any such Eligible Agency to participate in the
     Plan are referred to herein as "Key Employees".

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     (c)A  pattern  of  immediate  resale  of  stock acquired under this plan by
     an  Eligible  Agency  or  a  Key  Employee thereof shall be a factor in the
     Company's  determination of the Eligible Agency's continued eligibility for
     the Plan because it shows that an Eligible Agency and its Key Employees are
     not  interested  in  sharing  in  the  long  term  profitable growth of the
     Company.

3.Methods  of Payment and Amount of Contribution

     There  shall  be  three  methods  of payment to purchase stock. An Eligible
Agency  may  elect any of the payment methods individually or in combination. In
each  Subscription Period an Eligible Agency may contribute an aggregate maximum
of $12,500 toward the purchase of stock under all payment methods combined.

     (a)An  Eligible  Agency  may  elect  to  purchase  stock through deductions
     from  its  semi-monthly direct bill commission payments. Under this method,
     an  Eligible  Agency  shall  designate no less than one percent (1%) and no
     more than ten percent (10%) of the Eligible Agency's direct bill commission
     payments,  in  whole  number  increments,  to be withheld from the Eligible
     Agency's  direct  bill commission payments; provided, however, that no more
     than  $12,500  per  Subscription  Period  will  be withheld by Company from
     direct bill commission payments. Direct bill commission payments shall mean
     the  commissions  earned  and  that are actually available for payment in a
     semi-monthly  period  to  an  Eligible  Agency  for personal and commercial
     direct bill policies after all offsetting debits and credits are applied as
     determined solely from the Company's records.

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     (b)An  Eligible  Agency  may  elect  to  purchase stock during each January
     15th - July 14th Subscription Period through a deduction from the bonus, if
     any, payable to the Eligible Agency under the applicable Agency Contingency
     Plan  or  its  equivalent.  Under  this  method,  an  Eligible Agency shall
     designate  a  percentage  of  the  bonus, in whole number increments, to be
     withheld by the Company subject to a maximum of $12,500.

     (c)An  Eligible  Agency  may  elect  to  purchase  stock  through  lump sum
     payments  to  the Company. Under this method, the Eligible Agency shall pay
     to  the  Company by June 1st or December 1st a dollar amount in a lump sum.
     If  an  Eligible  Agency  is  contributing under the direct bill commission
     payment  method  under  subparagraph  (a), the total amount of any lump sum
     payments  shall not be less than $1,000 and not more than $12,500, or if an
     Eligible Agency is not enrolled under subparagraph (a), the total amount of
     any  lump  sum  payments  shall  not  be less than $1,000 and not more than
     $6,000.

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     At  the end of each Subscription Period, each Eligible Agency's direct bill
commission  payments,  if  any,  shall  be totaled and added to all lump sum and
bonus  payments,  if  any, made by such agency. Any excess over $12,500 shall be
returned  within  a reasonable time to the Eligible Agency without interest. The
amount  remaining  shall  be applied to purchase stock as specified below. If at
any  time  throughout  a Subscription Period an Eligible Agency's total payments
exceeds the maximum permitted for such agency, then upon request by the Eligible
Agency  such  excess  amount  will be returned within a reasonable period to the
Eligible Agency without interest.

4.Duration of Offer and Subscription Periods

     This  Plan shall be in effect from July 15, 2005 through and including July
31,  2015.  During  the  duration  of  the  Plan  there  will  be  twenty  (20)
"Subscription  Periods". Each Subscription Period runs from January 15th through
July 14th or from July 15th through January 14th.

5.Enrollment and Enrollment Periods

     Enrollment  for  participation  based  on  withholding  from  direct  bill
commissions  will  take place in the "Enrollment Period" which shall be from the
1st  through  14th  day of January and July of each year commencing with July of
2005.  An  Eligible  Agency  shall be sent a Subscription Agreement prior to the
beginning of the Enrollment Period. An Eligible Agency that desires to subscribe
for  the  purchase of stock through withholding from direct bill commissions for
the  following Subscription Period must file a Subscription Agreement during the
applicable Enrollment Period. Once enrolled, an Eligible Agency will continue to
participate  in the Plan for each succeeding Subscription Period until it ceases
to  be  an  Eligible  Agency  or  chooses  to

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withdraw  from  the  Plan  pursuant  to  Paragraph 9. If an Eligible Agency
desires  to  change its rate of contribution it may do so effective for the next
Subscription Period by filing a new Subscription Agreement during the Enrollment
Period for that Subscription Period. An Eligible Agency that wishes to make lump
sum purchases during a Subscription Period shall remit a lump sum to the Company
along with a supplemental Subscription Agreement for that Subscription Period by
June  1st  or  December  1st of the Subscription Period. An Eligible Agency that
wishes  to  make  a  purchase  during  the January 15th - July 14th Subscription
Period  through  designation  of  a  portion  of  its  bonus  under  the  Agency
Contingency  Plan  shall  file  a  Subscription  Agreement during the Enrollment
Period for that Subscription Period.

6.Number of Shares to be Offered

     The aggregate number of shares of common stock that may be issued under the
Plan  is  1,000  shares  which  were  registered  subsequent to the adoption and
approval  of  the Agency Stock Purchase Plan as restated on August 23, 1995. The
total  number of shares to be made available under the Plan is 500,000 shares of
capital  stock of the Company ("Stock"). In the event these registered shares of
Stock  are  subscribed  prior  to  the  expiration  of the Plan, the Plan may be
terminated in accordance with Section 14 of the Plan.

7.Subscription Price

     The  "Subscription  Price"  for each share of Stock shall be ninety percent
(90%) of the fair market value of such share on the last day of the Subscription
Period  provided,  however,  that  the  price shall never be less than $1.00 per
share  which is the par value of a share of Company Stock. The fair market value
of  a  share  shall  be the closing price as of the last day of the Subscription
Period on which a trade occurs as reported on the NASDAQ National Market System.

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8.Purchase of Shares

     The  Company  will  maintain  a  contribution  account  in the name of each
enrolled  Eligible  Agency.  As of the last day of each Subscription Period, the
total  amount  deducted  from  the Eligible Agency's direct bill commission, any
bonus  withholding,  and  any  lump sum payments, not to exceed $12,500 from all
three  sources,  will be credited to the Eligible Agency's contribution account.
At  such  time,  the amount then so credited will be divided by the Subscription
Price  for  such  Subscription  Period.  The  full  amount  of shares, including
fractional  shares,  which  results  will  then  be  allocated  to  the accounts
maintained  on the books of the Company's stock transfer agent ("Plan Accounts")
for the Eligible Agency and its Key Employees in accordance with the allocations
specified  in  the most current form regarding stock registration filed with the
Company by the Eligible Agency.

     The  Company  shall  be  entitled to rely on the most recent form regarding
stock  registration executed in accordance with rules and procedures established
by  the  Committee,  and  the  Company shall have no liability for allocation of
shares  consistent with such form. Shares will be issued in book entry form with
the  Company's  stock  transfer  agent  and  titled  in the name of the enrolled
Eligible  Agency,  or  Key  Employee,  as  the case may be. An enrolled Eligible
Agency  and  its  Key  Employees will receive a statement of account in a timely
fashion  following  the  end  of  each  Subscription  Period in which shares are
acquired.  In  the  event  the  number of shares subscribed for any Subscription
Period  exceeds  the number of shares available for sale under the Plan for such
period,  the available shares shall be allocated among all the Eligible Agencies
in proportion to their Plan Account balances.
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9.Withdrawal from the Plan

     An enrolled Eligible Agency may withdraw from the Plan at any time prior to
the  end  of a Subscription Period. At the time of withdrawal the amount of cash
credited to the Eligible Agency's Plan Account for that Subscription Period will
be  refunded  in  cash  without  interest. If an Eligible Agency withdraws, such
Eligible  Agency  may  not  resubscribe  until  after the next full Subscription
Period has elapsed.

10.Special Rules for Section 16 Officers and 5% Owners

     An  agency  which would otherwise be an Eligible Agency may not participate
in  this  Plan if the agency is subject to Section 16 of the Securities Exchange
Act  of  1934  in connection with the Company or is a 5% owner of the Company as
defined  under  Section 13 of said Act. If an Eligible Agency is enrolled in the
Plan  and becomes subject to Section 16 or a 5% owner, then such Eligible Agency
will  be deemed to have withdrawn from the Plan and all amounts credited will be
refunded in cash.

11.Termination of Agency Status

     Termination  of  agency  status  for  any  reason  shall  be  treated as an
automatic withdrawal as set forth in Section 9.

12.Assignment and Issuance of Shares

     No  Eligible  Agency  may assign its subscription or rights to subscribe to
any  other  entity  (including  its  shareholders or partners) and any attempted
assignment  shall  be void. All shares issued under this Plan shall be titled in
the  name  of  the  Eligible  Agency. Notwithstanding the foregoing, an Eligible
Agency  may permit direct registration of stock in the name of a Key Employee as
described in paragraph 8 hereof.

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13.Adjustment of and Changes in the Stock

     In  the  event  that the shares of Stock shall be changed into or exchanged
for  a  different  number  or kind of shares of stock or other securities of the
Company  or  of another corporation (whether by reason of merger, consolidation,
recapitalization,  split  up,  combination  of  shares, or otherwise), or if the
number  of  shares  of  Stock  shall  be  increased through a stock split or the
payment  of  a  stock  dividend, then there shall be substituted for or added to
each share of Stock theretofore reserved for sale under the Plan, the number and
kind of shares of stock or other securities into which each outstanding share of
Stock  shall  be so changed, or for which each such share shall be exchanged, or
to which each such share shall be entitled, as the case may be.

14.Amendment or Discontinuance of the Plan

     The Board of Directors of the Company shall have the right to amend, modify
or  terminate the Plan at any time without notice provided that no participant's
existing rights are adversely affected thereby.

15.Administration

     The  Plan shall be administered by a committee to be appointed by the Board
of  Directors  consisting  of  three employees of the Company. The committee may
from  time  to time adopt rules, regulations and procedures for carrying out the
Plan.  Interpretation  or  construction  of  any  provision  of  the Plan by the
committee shall be final and conclusive on all persons absent contrary action by
the Board of Directors.

16.Titles

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     Titles  are  provided herein for convenience only and are not to serve as a
basis for interpretation or construction of this Agreement.

17.Applicable Law

     The  Plan  shall  be  construed,  administered and governed in all respects
under the laws of the Commonwealth of Pennsylvania.
EXHIBIT  4AEXHIBIT 4(B)

                            CERTIFICATE OF AMENDMENT
                                       OF
                      RESTATED CERTIFICATE OF INCORPORATION
                                       OF
                            HARLEYSVILLE GROUP INC.

It is hereby certified that:

     1.The name of the Corporation is Harleysville Group Inc.

     2.The  Restated  Certificate of Incorporation of the Corporation is h ereby
amended  by  striking  out  Paragraph  (a)  of  Article  Four  thereof  and  by
substituting in lieu of said Paragraph the following new Paragraph:

     "(a)The  aggregate  number  of  shares  which the Corporation has authority
     to  issue is: Eighty Million (80,000,000) shares of Common Stock of the par
     value  of One Dollar ($1.00) per share (the "Common Stock") and One Million
     (1,000,000) shares of Series Preferred Stock of the par value of One Dollar
     ($1.00) per share (the "Preferred Stock")."

     3.The  Amendment  of  the  Restated  Certificate  of  Incorporation  herein
certified has been duly adopted in accordance with the provisions of Section 242
of the General Corporation Law of the State of Delaware.

     IN  WITNESS  WHEREOF,  the  undersigned  have  executed  this  document and
affirmed that the facts contained herein are true under penalties of perjury.

Date: April 25, 1996

                                       /s/ Walter R. Bateman
                                       Walter R. Bateman, II
                                       President and Chief Executive Officer

Attest:

/s/ Roger A. Brown
Roger A. Brown
Vice President, Secretary and
General Counsel

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                              AMENDED AND RESTATED

                          CERTIFICATE OF INCORPORATION

                                       OF

                            HARLEYSVILLE GROUP INC.

                                 APRIL 22, 1992

                  Adopted Pursuant to Section 242 & 245 of the
                General Corporation Law of the State of Delaware

Certificate of Incorporation Originally Filed August 2, 1979

     1. The name of the Corporation is Harleysville Group Inc.

     2.The  address  of its registered office is 1209 Orange Street, Wilmington,
County  of New Castle, Delaware, 19801. The name of its registered agent at such
address is The Corporation Trust Company.

     3.The  nature  of  the business to be conducted or promoted is to engage in
any  lawful  act  or  activity for which corporations may be organized under the
General Corporation Law of the State of Delaware.

     4.(a)  The  aggregate  number  of  shares  which the Corporation shall have
authority  to issue is: Twenty-Three Million (23,000,000) shares of Common Stock
of  the  par  value of One Dollar ($1.00) per share (the "Common Stock") and One
Million  (1,000,000)  shares  of  Series Preferred Stock of the par value of One
Dollar ($1.00) per share (the "Preferred Stock").

     (b)  The  Preferred  Stock  may be issued from time to time by the Board of
Directors  as  herein provided in one or more series. The designations, relative
rights,  preferences and limitations of the Preferred Stock, and particularly of
the  shares  of  each  series  thereof,  may, to the extent permitted by law, be
similar  to or may differ from those of any other series. The Board of Directors
of  the  Corporation  is  hereby  expressly  granted  authority,  subject to the
provisions  of  this Article Four, to issue from time to time Preferred Stock in
one  or  more  series  and  to fix from time to time before issuance thereof, by
filing  a  certificate  pursuant  to  the General Corporation Law, the number of
shares  in each such series and all designations, relative rights (including the
right,  to  the  extent permitted by law, to convert into shares of any class or
into  shares  of  any  series  of any class), preferences and limitations of the
shares  in  each  such series, including, but without limiting the generality of
the foregoing, the following:

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     (i)The  number  of  shares  to  constitute such series (which number may at
     any  time,  or from time to time, be increased or decreased by the Board of
     Directors,  notwithstanding that shares of the series may be outstanding at
     the  time of such increase or decrease, unless the Board of Directors shall
     have  otherwise  provided  in  creating  such  series)  and the distinctive
     designation thereof;

     (ii)The  dividend  rate  on  the  shares  of  such  series  whether  or not
     dividends on the shares of such series shall be cumulative, and the date or
     dates, if any, from which dividends thereon shall be cumulative;

     (iii)Whether  or  not  the  shares  of such series shall be redeemable, and
     if  redeemable,  the  date  or  dates  upon  or  after  which they shall be
     redeemable and the amount or amounts per share (which shall be, in the case
     of  each  share, not less than its preference upon involuntary liquidation,
     plus  an  amount equal to all dividends thereon accrued and unpaid, whether
     or  not  earned  or declared) payable thereon in the case of the redemption
     thereof,  which  amount may vary at different redemption dates or otherwise
     as permitted by law;

     (iv)The  right,  if  any,  of  holders  of shares of such series to convert
     the  same  into,  or  exchange the same for, Common Stock or other stock as
     permitted  by  law,  and  the  terms  and  conditions of such conversion or
     exchange,  as  well  as provisions for adjustment of the conversion rate in
     such events as the Board of Directors shall determine;

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     (v)The  amount  per  share  payable  on  the shares of such series upon the
     voluntary  and  involuntary  liquidation,  dissolution or winding up of the
     Corporation;

     (vi)Whether  the  holders  of  shares  of  such  series  shall  have voting
     power,  full  or limited, in addition to the voting powers provided by law,
     and,  in  case  additional  voting  powers  are accorded, to fix the extent
     thereof; and

     (vii)Generally  to  fix  the  other  rights  and  privileges  and  any
     qualifications,  limitations  or restrictions of such rights and privileges
     of  such  series,  provided,  however,  that  no  such  rights, privileges,
     qualifications,  limitations  or restrictions shall be in conflict with the
     Certificate  of  Incorporation of the Corporation or with the resolution or
     resolutions  adopted  by  the Board of Directors providing for the issue of
     any series of which there are shares then outstanding.

     (c)All  shares  of Preferred Stock of the same series shall be identical in
all respects, except that shares of any one series issued at different times may
differ  as  to  dates,  if any, from which dividends thereon may accumulate. All
shares  of  Preferred  Stock  of  all series shall be of equal rank and shall be
identical  in  all  respects, except that to the extent not otherwise limited in
this  Article  Four  any series may differ from any other series with respect to
any  one  or  more  of  the  designations,  relative  rights,  preferences  and
limitations  described or referred to in Subparagraphs (b)(i) to (vii) inclusive
of this Article Four.

     (d)Dividends  on  the  outstanding  Preferred Stock of each series shall be
declared  and  paid  or  set  apart  for  payment  before any dividends shall be
declared  and  paid or set apart for payment on the Common Stock with respect to
the  same  quarterly dividend period. Dividends on any shares of Preferred Stock
shall  be  cumulative only if and to the extent set forth in a certificate filed
pursuant  to  law.  After  dividends on all shares of Preferred Stock (including
cumulative  dividends  if  and  to  the extent any such shares shall be entitled
thereto)  shall have been declared andpaid or set apart for payment with respect
to  any  quarterly dividend period, then and not otherwise as long as any shares
of  Preferred Stock shall remain outstanding, dividends may be declared and paid
or  set  apart for payment with respect to the same quarterly dividend period on
the Common Stock out of the assets or funds of the Corporation legally available
therefor.

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     (e)All  shares  of  Preferred  Stock  of all series shall be of equal rank,
preference and priority as to dividends irrespective of whether or not the rates
of dividends to which the particular series of Preferred Stock shall be entitled
shall be the same and when the stated dividends are not paid in full, the shares
of  all  series of Preferred Stock shall share ratably in the payment thereof in
accordance  with the sums which would be payable on such shares if all dividends
were  paid  in full, provided, however, that any two or more series of Preferred
Stock  may differ from each other as to the existence and extent of the right to
cumulative dividends, as aforesaid.

     (f)  Except  as  otherwise  specifically  provided in the certificate filed
pursuant  to  law  with  respect  to  any  series  of  the Preferred Stock or as
otherwise  provided by law, the Preferred Stock shall not have any right to vote
for  the  election  of  directors  or for any other purpose and the Common Stock
shall have the exclusive right to vote for the election of directors and for all
other  purposes.  Each  holder of Common Stock shall be entitled to one vote for
each  share thereof held. In all instances in which voting rights are granted to
the  Preferred Stock or any series thereof, such Preferred Stock or series shall
vote  with  the  Common Stock as a single class, except with respect to any vote
for the approval of any merger, consolidation, liquidation or dissolution of the
Corporation  and  except as otherwise provided in the certificate filed pursuant
to  law  with  respect  to  any  series  of  the Preferred Stock or as otherwise
provided by law.

     (g)In  the  event  of  any  liquidation,  dissolution  or winding up of the
Corporation,  whether  voluntary  or involuntary, each series of Preferred Stock
shall  have  preference  and  priority  over the Common Stock for payment of the
amount  to  which eachoutstanding series of Preferred Stock shall be entitled in
accordance  with the provisions thereof and each holder of Preferred Stock shall
be  entitled  to  be  paid in full such amount, or have a sum sufficient for the
payment  in  full set aside, before any payments shall be made to the holders of
the  Common  Stock.  If,  upon  liquidation,  dissolution  or  winding up of the
Corporation,  the  assets  of  the  Corporation  or  the  proceeds  thereof,
distributable  among  the holders of the shares of all series of Preferred Stock
shall  be  insufficient  to  pay in full the preferential amount aforesaid, then
such  assets,  or  the proceeds thereof, shall be distributed among such holders
ratably  in accordance with the respective amounts which would be payable if all
amounts  payable  thereon  were paid in full. After the holders of the Preferred
Stock  of  each  series  shall  have been paid in full the amounts to which they
respectively  shall be entitled, or a sum sufficient for the payment in full set
aside, the remaining net assets of the Corporation shall be distributed pro rata
to  the  holders  of the Common Stock in accordance with their respective rights
and  interests,  to  the  exclusion  of  the  holders  of the Preferred Stock. A
consolidation  or  merger of the Corporation with or into another corporation or
corporations,  or  a  sale,  whether  for  cash,  shares of stock, securities or
properties,  of all or substantially all of the assets of the Corporation, shall
not be deemed or construed to be a liquidation, dissolution or winding up of the
Corporation within the meaning of this Article Four.

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     (h)In the event that Preferred Stock of any series shall be made redeemable
as  provided  in Subparagraph (b)(iii) of this Article Four, the Corporation, at
the  option of the Board of Directors, may redeem at any time or times, and from
time  to  time,  all  or  any  part of any one or more series of Preferred Stock
outstanding  by paying for each share the then applicable redemption price fixed
by  the  Board  of Directors as provided herein, plus an amount equal to accrued
and  unpaid  dividends  to  the  date fixed for redemption, upon such notice and
terms  as  may be specifically provided in the certificate filed pursuant to law
with respect to such series of Preferred Stock.

     (i)No  holder  of  Preferred Stock of the Corporation shall be entitled, as
such,  as a matter of right, to subscribe for or purchase any part of any new or
additional  issue  of  stock  of  any  class or series whatsoever, any rights or
options  to  purchase  stock of any class or series whatsoever or any securities
convertible  into,  exchangeable  for  or carrying rights or options to purchase
stock  of  any  class or series whatsoever, whether now or hereafter authorized,
and whether issued for cash or other consideration or by way of dividend.

5.The Corporation is to have perpetual existence.

6.In  furtherance and not in limitation of the powers conferred by statute,
the  Board  of  Directors  is  expressly authorized to make, alter or repeal the
By-Laws of the Corporation.

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7.Meetings  of  the stockholders may be held within or without the State of
Delaware,  as  the By Laws may provide. The books of the Corporation may be kept
(subject  to  any  provisions  contained  in  the statutes) outside the State of
Delaware  at  such place or places as may be designated from time to time by the
Board  of Directors or in the By Laws of the Corporation. Elections of directors
need  not  be  by  written ballot unless the By Laws of the Corporation shall so
provide.

8.A  Director  of  the  Corporation shall have no personal liability to the
Corporation or its stockholders for monetary damages for breach of his fiduciary
duty as a director; provided, however, this Article shall not eliminate or limit
the liability of a director (i) for any breach of the director's duty of loyalty
to  the  Corporation  or its stockholder; (ii) for acts or omissions not in good
faith  or  which involve intentional misconduct or a knowing violation of a law;
(iii)  for the unlawful payment of dividends or unlawful stock repurchases under
Section  174 of the General Corporation Law of the State of Delaware or (iv) for
any  transaction  from  which the director derived an improper personal benefit.
This  Article  shall  not eliminate or limit the liability of a director for any
act or omission occurring prior to the effective date of this Article.

9.The  Corporation reserves the right to amend, alter, change or repeal any
provision  contained  in this Certificate of Incorporation, in the manner now or
hereafter  prescribed  by  statute,  and  all rights conferred upon stockholders
herein are granted subject to this reservation.

<PAGE>
Page 50
     WE,  THE UNDERSIGNED, being the Chairman of the Board, President & CEO, and
the  Secretary  of  Harleysville  Group  Inc.,  which  company  was  previously
incorporated pursuant to the General Corporation Law of the State of Delaware on
August 2, 1979, and which Certificate of Incorporation was Amended & Restated as
of  April  9,  1986,  and  Amended  as  of May 6, 1987, do make this amended and
restated Certificate of Incorporation, hereby declaring and certifying that this
is  our  act  and  deed  and  the facts herein are true, that the Certificate of
Incorporation has been adopted in accordance with the provisions of Sections 242
and  245  of  the  General  Corporation  Law  of the State of Delaware and that,
accordingly, we have hereunto set our hands this 1st day of June, 1992.

                                              /s/ B.W. Mitchell

                                              Bradford W. Mitchell
                                              Chairman of the Board,
                                              President & CEO

                                              /s/ Lucinda J. Gannon

                                              Lucinda J. Gannon
                                              Vice President, Secretary
                                              and General Counsel

     Subscribed  and  sworn  to  before  me  this  1st  day  of  June,  1992, at
Harleysville, Montgomery County, Pennsylvania.

                                              /s/ Agnes G. Draper

                                              NOTARY PUBLIC

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