Document:

Form of Warrant Certificate to be issued to Anderson & Strudwick

 Exhibit 4.5 
 UNTIL ONE HUNDRED EIGHTY (180) DAYS AFTER THE CLOSING OF THE INITIAL PUBLIC OFFERING OF THE COMMON STOCK OF HOMEOWNERS CHOICE, INC., NEITHER ANDERSON & STRUDWICK, INCORPORATED NOR ANY ASSIGNEE OF ALL OR A PORTION OF THE
RIGHTS PURSUANT TO THIS WARRANT MAY SELL, TRANSFER, ASSIGN, PLEDGE OR HYPOTHECATE ANY OF ITS RIGHTS PURSUANT TO THIS WARRANT OTHER THAN TO BONA FIDE OFFICERS OF ANDERSON & STRUDWICK, INCORPORATED. 
 Warrant Certificate evidencing 
 Warrants to
Purchase Common Stock, no par value, as described herein. 
 Homeowners Choice, Inc. 

			
	No.      	  	CUSIP No.            

 VOID AFTER 5:00 P.M., NEW YORK CITY TIME, 
 ON                     , 2013, OR UPON
EARLIER CANCELLATION 
 This certifies that
                                , or its registered assigns, is the registered
holder of                          warrants to purchase certain securities (each a “Warrant”). Each
Warrant entitles the holder thereof, subject to the provisions contained herein and in the Warrant Agreement (as defined below), to purchase from Homeowners Choice, Inc., a Florida corporation (the “Company”), one share of the
Company’s Common Stock (each, a “Share”) at an initial Exercise Price (the “Exercise Price”) of $         per Share, subject to adjustments as set forth in
the Warrant Agreement (as defined below). 
 Subject to the terms of the Warrant Agreement, each Warrant evidenced hereby may be exercised in
whole, but not in part, at any time, as specified herein, on any Business Day (as defined below) occurring during the period (the “Exercise Period”) commencing on
            , 200     and ending at 5:00 P.M., New York City time, on the earlier to occur of
(i)                     , 2013 and (ii) the day prior to the date fixed for cancellation of the Warrants as provided in
Section 5 of the Warrant Agreement (the “Expiration Date”). Each Warrant remaining unexercised after 5:00 P.M., New York City time on the Expiration Date shall become void, and all rights of the holder of this Warrant
Certificate evidencing such Warrant shall cease. 
 The holder of the Warrants represented by this Warrant Certificate may exercise any
Warrants by delivering, not later than 5:00 P.M., New York City time, on any Business Day during the Exercise Period (the “Exercise Date”) to the Company at its office located at 2340 Drew Street, Suite 200, Clearwater, Florida
33765, Attn: Andrew Graham, General Counsel (i) this Warrant Certificate, (ii) an election to purchase (“Election to Purchase”), properly executed by the holder hereof on the reverse of this Warrant Certificate or
substantially in the form included on the reverse hereof, as applicable and (iii) the Exercise Price for each of the Warrants to be exercised in lawful money of the United States of America by certified or official bank check.

 In addition, the holder of the Warrant represented by this Warrant Certificate may exercise any Warrants
by delivering to the Company (at the address listed above), not later than 5:00 P.M. New York City time on the Exercise Date, this Warrant Certificate together with irrevocable instructions to the Company to issue in exchange for the Warrant
Certificate the number of Shares equal to the product of (i) the number of Shares as to which the Warrant is being exercised multiplied by (ii) a fraction the numerator of which is the “Current Value” (as such term is defined in
Section 2.4.6 of the Warrant Agreement) of a Share less the Exercise Price therefor and the denominator of which is such Current Value. 
 If any of (a) this Warrant Certificate, (b) the Election to Purchase, (c) the Exercise Price therefore, or (d) the instructions for the cashless exercise, if applicable, is received by the Company after 5:00 P.M.,
New York City time, the Warrants will be deemed to be received and exercised on the Business Day next succeeding the date such items are received and such date shall be the Exercise Date for purposes hereof. If the date such items are received
is not a Business Day, the Warrants will be deemed to be received and exercised on the next succeeding day which is a Business Day and such date shall be the Exercise Date. If the Warrants to be exercised are received or deemed to be received after
the Expiration Date, the exercise thereof will be null and void and any funds delivered to the Company will be returned to the holder as soon as practicable. In no event will interest accrue on funds deposited with the Company in respect of an
exercise or attempted exercise of Warrants. The validity of any exercise of Warrants will be determined by the Company in its sole discretion and such determination will be final and binding upon the holder of the Warrants. The Company
shall not have any obligation to inform a holder of Warrants of the invalidity of any exercise of Warrants. 
 As used herein, the term
“Business Day” means any day that is not a Saturday or Sunday and is not a United States federal holiday or a day on which banking institutions generally are authorized or obligated by law or regulation to close in New York City.

 Warrants may be exercised only in whole numbers of Warrants. No fractional shares of Common Stock are to be issued upon the exercise of
any Warrant and no payment will be made with respect to any fractional share of Common Stock to which any holder of Warrants might otherwise be entitled upon exercise of Warrants. If fewer than all of the Warrants evidenced by this Warrant
Certificate are exercised, a new Warrant Certificate for the number of Warrants remaining unexercised shall be executed by the Company as provided in Section 1 of the Warrant Agreement, and delivered to the holder of this Warrant Certificate at
the address specified in the warrant ledger or as otherwise specified by such registered holder. 
 This Warrant Certificate is issued under
and in accordance with the Warrant Agreement, dated as of                             , 2008 (the
“Warrant Agreement”), between the Company and Anderson & Strudwick, Incorporated and is subject to the terms and provisions contained in the Warrant Agreement, to all of which terms and provisions the holder of this Warrant
Certificate and the beneficial owners of the Warrants represented by this Warrant Certificate consent by acceptance hereof. Copies of the Warrant Agreement are on file and can be inspected at the office of the Company at 2340 Drew Street, Suite
200, Clearwater, Florida 33765. 
  

 2 

 After
                             ,
            , the Company may, at its option, cancel in whole or in part (and if in part, by lot) the then outstanding Warrants upon giving notice in accordance with the terms of the
Warrant Agreement (the “Cancellation Notice”), provided, that the closing price per share of the Company’s common stock has exceeded $         for at least ten
(10) trading days within any period of twenty (20) consecutive trading days, including the last trading day of the period. In the event that the Company shall elect to cancel all or a portion of the then outstanding Warrants, the Company
shall fix a date for the cancellation (the “Cancellation Date”). The Warrants may be exercised in accordance with the terms of this Agreement at any time after a Cancellation Notice shall have been given by the Company;
provided, however, that no Warrants may be exercised subsequent to the expiration of the Exercise Period; provided, further, that all rights whatsoever with respect to the Warrants shall cease on the Cancellation Date.

 The accrual of dividends, if any, on the Shares issued upon the valid exercise of any Warrant will be governed by the terms generally
applicable to such Shares. From and after the issuance of such Shares, the former holder of the Warrants exercised will be entitled to the benefits generally available to other holders of Shares and such former holder’s right to receive
payments of dividends and any other amounts payable in respect of the Shares shall be governed by, and shall be subject to, the terms and provisions generally applicable to such Shares. 
 The Exercise Price and the number of Shares purchasable upon the exercise of each Warrant shall be subject to adjustment as provided pursuant to
Section 3 of the Warrant Agreement. 
 Neither this Warrant Certificate nor the Warrants evidenced hereby shall entitle the holder
hereof or thereof to any of the rights of a holder of the Shares, including, without limitation, the right to receive dividends, if any, or payments upon the liquidation, dissolution or winding up of the Company or to exercise voting rights, if any.

 The Warrant Agreement and this Warrant Certificate may be amended as provided in the Warrant Agreement including, under certain
circumstances described therein, without the consent of the holder of this Warrant Certificate or the Warrants evidenced thereby. 
 THIS
WARRANT CERTIFICATE AND ALL RIGHTS HEREUNDER AND UNDER THE WARRANT AGREEMENT SHALL BE GOVERNED BY AND INTERPRETED AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF FLORIDA APPLICABLE TO CONTRACTS FORMED AND TO BE PERFORMED ENTIRELY WITHIN
THE STATE OF FLORIDA, WITHOUT REGARD TO THE CONFLICTS OF LAW PROVISIONS THEREOF TO THE EXTENT SUCH PRINCIPLES OR RULES WOULD REQUIRE OR PERMIT THE APPLICATION OF THE LAWS OF ANOTHER JURISDICTION. 
  

 3 

 IN WITNESS WHEREOF, the Company has caused this instrument to be duly executed. 
 Dated as of             , 2008 
  

			
	HOMEOWNERS CHOICE, INC.
		
	By:	 	  

			
	Name:	 	  

			
	Title:	 	  

  

 4 

 [REVERSE] 
 Instructions for Exercise of Warrant 
 To exercise the Warrants evidenced hereby, the holder must, by
5:00 P.M., New York City time, on the specified Exercise Date, deliver to the Company, a certified or official bank check, in each case payable to the Company, in an amount equal to the Exercise Price in full for the Warrants exercised. In
addition, the Warrant holder must provide the information required below and deliver this Warrant Certificate to the Company at the address set forth below. The Warrant Certificate and this Election to Purchase must be received by the Company
by 5:00 P.M., New York time, on the specified Exercise Date. 
 ELECTION TO PURCHASE 
 TO BE EXECUTED IF WARRANT HOLDER DESIRES 
 TO
EXERCISE THE WARRANTS EVIDENCED HEREBY 
 The undersigned hereby irrevocably elects to exercise, on
                            ,          (the
“Exercise Date”),                      Warrants, evidenced by this Warrant Certificate, to purchase,
                             of the shares of Common Stock (each a “Share”) of
Homeowners Choice, Inc., a Florida corporation (the “Company”), and represents that, on or before the Exercise Date, such holder has tendered payment for such Shares by certified or official bank check to the order of the Company,
in the amount of $                      in accordance with the terms hereof. The undersigned requests that said number of Shares be
in fully registered form, registered in such names and delivered, all as specified in accordance with the instructions set forth below. 
 If
said number of Shares is less than all of the Shares purchasable hereunder, the undersigned requests that a new Warrant Certificate evidencing the remaining balance of the Warrants evidenced hereby be issued and delivered to the holder of the
Warrant Certificate unless otherwise specified in the instructions below. 
  

 5 

									
	Dated:                     ,
        
					
		  	Name:	  	  
	  	(Please Print)	  	
				
		  	  
	  		  	

									
		  	 (Insert Social Security or Other Identifying
 Number of Holder)
	  		  	

									
					
		  	Address:	  	  
	  		  	
		  	  
	  		  	
		  	  
	  		  	

									
					
		  	Signature:	  	  
	  		  	

 This Warrant may only be exercised by presentation to the Company at the following location:

 By hand at: 2340 Drew Street, Suite 200, Clearwater, Florida 33765 
 By mail at: 2340 Drew Street, Suite 200, Clearwater, Florida 33765, Attn: Andrew Graham, General Counsel 
 The method of delivery of this Warrant Certificate is at the option and risk of the exercising holder and the delivery of this Warrant Certificate will
be deemed to be made only when actually received by the Company. If delivery is by mail, registered mail with return receipt requested, properly insured, is recommended. In all cases, sufficient time should be allowed to assure timely
delivery. 
 (Instructions as to form and delivery of Shares and/or Warrant Certificates) 
  

					
	Name in which Shares are to be registered if other than in the name of the registered holder of this Warrant Certificate:	 		  	  

			
	Address to which Shares are to be mailed if other than to the address of the registered holder of this Warrant Certificate as shown on the warrant ledger:	 		  	  

		 		  	(Street Address)
			
		 		  	  

		 		  	(City and State) (Zip Code)

  

 6 

					
	Name in which Warrant Certificate evidencing unexercised Warrants, if any, are to be registered if other than in the name of the registered holder of this Warrant Certificate:	  		  	  

			
	Address to which certificate representing unexercised Warrants, if any, are to be mailed if other than to the address of the registered holder of this Warrant Certificate as shown on the warrant
ledger:	  		  	  

		  		  	(Street Address)
			
		  		  	  

		  		  	(City and State) (Zip Code)
			
		  		  	Dated:
			
		  		  	  

		  		  	Signature
			
		  		  	Signature must conform in all respects to the name of the holder as specified on the face of this Warrant Certificate. If Shares, or a Warrant Certificate evidencing unexercised Warrants,
are to be issued in a name other than that of the registered holder hereof or are to be delivered to an address other than the address of such holder as shown on the warrant ledger, the above signature must be guaranteed by a an Eligible Guarantor
Institution (as that term is defined in Rule 17Ad-15 of the Securities Exchange Act of 1934, as amended).

  

 7 

 SIGNATURE GUARANTEE 
  

			
	 Name of Firm:
	 	  

	 Address:
	 	  

	 Area Code and Number:
	 	  

	 Authorized Signature:
	 	  

	 Name:
	 	  

	 Title:
	 	  

	 Dated:
	 	  

  

 8 

 ASSIGNMENT 
 (FORM OF ASSIGNMENT TO BE EXECUTED IF WARRANT HOLDER 
 DESIRES TO TRANSFER WARRANTS EVIDENCED HEREBY)

 FOR VALUE RECEIVED,
                                         
    HEREBY SELL(S), ASSIGN(S) AND TRANSFER(S) UNTO: 
  

					
	  
	 		  	  

	(Please print name and address including zip code of assignee)	 		  	(Please insert social security or other identifying number of assignee)

 the rights represented by the within Warrant Certificate and does hereby irrevocably constitute and appoint
                                        
Attorney to transfer said Warrant Certificate on the books of the Company with full power of substitution in the premises. 
  

			
	Dated:	  	  

		  	Signature
		
		  	(Signature must conform in all respects to the name of the holder as specified on the face of this Warrant Certificate and must bear a signature guarantee by an Eligible Guarantor
Institution (as that term is defined in Rule 17Ad-15 of the Securities Exchange Act of 1934, as amended).

 SIGNATURE GUARANTEE 
  

			
	 Name of Firm:
	 	  

	 Address:
	 	  

	 Area Code and Number:
	 	  

	 Authorized Signature:
	 	  

	 Name:
	 	  

	 Title:
	 	  

	 Dated:
	 	  

  

 9Voting Agreement between Homeowners Choice and shareholders

 Exhibit 10.19 
 AMENDMENT TO VOTING AGREEMENT 
 Homeowners Choice, Inc. and the undersigned Shareholders hereby agree
to amend the Voting Agreement as follows: 
 The Agreement will automatically terminate upon completion of a public sale of
shares of any stock by the Company pursuant to an effective registration statement under the Securities Act of 1933, as amended. 
  

			
	HOMEOWNERS CHOICE, INC.
		
	By:	 	/s/    Francis X. McCahill
		 	 Francis X. McCahill
 As Chief Executive
Officer

		
	By:	 	/s/    Paresh Patel
		 	Paresh Patel
		
	By:	 	/s/    Martin A. Traber
		 	Martin A. Traber
		
	By:	 	/s/    George Apostolou
		 	George Apostolou
		
	By:	 	/s/    Gregory Politis
		 	Gregory Politis
		
	By:	 	/s/    Krishna Persaud
		 	Krishna Persaud
		
	By:	 	/s/    Sanjay Madhu
		 	Sanjay Madhu
		
	By:	 	/s/    Anthony Saravanos
		 	Anthony Saravanos
		
	By:	 	/s/    Mark S. Berset
		 	Mark S. Berset

 VOTING AGREEMENT 
 This VOTING AGREEMENT (the “Agreement”) is made and entered into as of
                                , 2007, by and among the holders of Common Stock of
the Company executing a counterpart signature page to this Agreement as a shareholder (hereinafter individually referred to each as a “Shareholder” and collectively as the “Shareholders”), and HOMEOWNERS CHOICE,
INC., a Florida corporation (the “Company”). 
 WITNESSETH: 
 WHEREAS, the Shareholders own              shares of the outstanding Voting Common
Stock (the “Shares”) of the Company; and 
 WHEREAS, to provide for continuity in management of the Corporation, to
prevent conflicts and to avoid deadlocks, the Shareholders desire to enter into this Agreement to provide for the voting of certain members to the Board of Directors (the “Board”). 
 NOW, THEREFORE, in consideration of the foregoing premises and certain other good and valuable consideration, the receipt and sufficiency of which
are hereby acknowledged, the Shareholders and the Company agree as follows: 
 1.    Agreement to
Vote.    Each Shareholder, hereby agrees on behalf of itself and any transferee or assignee of any the Shares, to hold all of the Shares subject to, and to vote the Shares at a regular or special meeting of stockholders (or
by written consent) in accordance with, the provisions of this Agreement. 
 2.    Board
Composition.    The Shareholders shall vote at a regular or special meeting of stockholders (or by written consent) such shares that they own (or as to which they have voting power) to ensure that the Board shall consist at
all times of those individuals as provided on Schedule A, attached hereto. 
 3.    Removal.    Any director of the Company may be removed from the Board in the manner allowed by law and the Company’s Articles of Incorporation and Bylaws, but with respect to a
director designated pursuant to section 2 above, only upon the vote or written consent of the stockholders entitled to designate such director. The Shareholders also agree: 
 (a)    In the event that the CEO is no longer serving as the CEO (the “Former CEO”), all parties to this Agreement
shall immediately take such action as is necessary to remove the Former CEO from the Board. 
 (b)    In the event that
the COO is no longer serving as the COO (the “Former COO”), all parties to this Agreement shall immediately take such action as is necessary to remove the Former COO from the Board. 
 (c)    In the event that the CFO is no longer serving as the CFO (the “Former CFO”), all parties to this Agreement
shall immediately take such action as is necessary to remove the Former CFO from the Board. 

 4.    Legend on Share Certificates.    Each certificate
representing any Shares shall be endorsed by the Company with a legend reading substantially as follows: 
 “THE SHARES
EVIDENCED HEREBY ARE SUBJECT TO A VOTING AGREEMENT (A COPY OF WHICH MAY BE OBTAINED UPON WRITTEN REQUEST FROM THE ISSUER), AND BY ACCEPTING ANY INTEREST IN SUCH SHARES THE PERSON ACCEPTING SUCH INTEREST SHALL BE DEEMED TO AGREE TO AND SHALL BECOME
BOUND BY ALL THE PROVISIONS OF SAID VOTING AGREEMENT.” 
 5.    Covenant of the
Company.    The Company will not, by any voluntary action, avoid or seek to avoid the observance or performance of any of the terms to be performed hereunder by the Company. 
 6.    No Liability for Election of Recommended Directors.    Neither the Company, the Shareholders, nor
any officer, director, stockholder, partner, employee or agent of the Company or Shareholders, makes any representation or warranty as to the fitness or competence of the nominee of any Shareholder hereunder to serve on the Company’s Board by
virtue of such Shareholder’s execution of this Agreement or by the act of such Shareholder in voting for such nominee pursuant to this Agreement. 
 7.    Grant of Proxy.    Upon the failure of any Shareholder to vote their shares in accordance with the terms of this Agreement, such Shareholder hereby grants to a
stockholder designated by the Board of Directors of the Company a proxy coupled with an interest in all Shares owned by such Shareholder, which proxy shall be irrevocable until this Agreement terminates pursuant to its terms or this Section 7
is amended to remove such grant of proxy in accordance with Section 13 hereof, to vote all such Shares in the manner provided in Sections 2 and 3 hereof. 
 8.    Specific Enforcement.    It is agreed and understood that monetary damages would not adequately compensate an injured Shareholder for the breach of this Agreement
by any other Shareholder, that this Agreement shall be specifically enforceable, and that any breach or threatened breach of this Agreement shall be the proper subject of a temporary or permanent injunction or restraining order. Further, each
Shareholder hereto waives any claim or defense that there is an adequate remedy at law for such breach or threatened breach. 
 9.    Execution by the Company.    The Company, by its execution in the space provided below, agrees that it will cause the certificates issued after the date hereof evidencing the Shares to
bear the legend required by Section 4 hereof, and it shall supply, free of charge, a copy of this Agreement to any holder of a certificate evidencing shares of capital stock of the Company upon written request from such holder to the Company at
its principal office. The parties hereto do hereby agree that the failure to cause the certificates evidencing the Shares to bear the legend required by Section 4 hereof and/or failure of the Company to supply, free of charge, a copy of this
Agreement, as provided under this Section 9, shall not affect the validity or enforcement of this Agreement. 

 10.    Captions.    The captions, headings and
arrangements used in this Agreement are for convenience only and do not in any way limit or amplify the terms and provisions hereof. 
 11.    Notices.    All notices and other communications given or made pursuant hereto shall be in writing and shall be deemed effectively given: (i) upon personal delivery to the party to
be notified, (ii) when sent by confirmed electronic mail or facsimile if sent during normal business hours of the recipient; if not, then on the next business day, (iii) five (5) days after having been sent by registered or certified
mail, return receipt requested, postage prepaid, or (iv) one (1) day after deposit with a nationally recognized overnight courier, specifying next day delivery, with written verification of receipt. All communications shall be sent to the
respective parties at the addresses set forth on the signature pages attached hereto (or at such other addresses as shall be specified by notice given in accordance with this Section 11). 
 12.    Term.    This Agreement shall terminate and be of no further force or effect upon as of the date
which is five (5) years from the date of this Agreement. 
 13.    Manner of
Voting.    The voting of shares pursuant to this Agreement may be effected in person, by proxy, by written consent or in any other manner permitted by applicable law. 
 14.    Amendments and Waivers.    Any term hereof may be amended and the observance of any term hereof may
be waived (either generally or in a particular instance and either retroactively or prospectively) only with the written consent of (i) the Company, and (ii) the holders of a majority of the then outstanding voting shares held by the
Shareholders. 
 15.    Stock Splits, Stock Dividends, etc.    In the event of any issuance of
shares of the Company’s voting securities hereafter to any of the Shareholders hereto (including, without limitation, in connection with any stock split, stock dividend, recapitalization, reorganization or the like), such shares shall become
subject to this Agreement and shall be endorsed with the legend set forth in Section 4. 
 16.    Severability.    Whenever possible, each provision of this Agreement shall be interpreted in such manner as to be effective and valid under applicable law, but if any provision of this
Agreement shall be held to be prohibited by or invalid under applicable law, such provision shall be ineffective only to the extent of such prohibition or invalidity, without invalidating the remainder of such provision or the remaining provisions
of this Agreement. 
 17.    Binding Effect.    In addition to any restriction on transfer
that may be imposed by any other agreement by which any Shareholder hereto may be bound, this Agreement shall be binding upon the Shareholders, their respective heirs, successors, transferees and assigns and to such additional individuals or
entities that may become stockholders of the Company and that desire to become Shareholders hereto; provided that for any such transfer to be deemed effective, the transferee shall have executed and delivered an Adoption Agreement substantially in
the form attached hereto as Exhibit A. Upon the execution and delivery of an Adoption Agreement by a transferee, such transferee shall be deemed to be a Shareholder hereto as if such transferee’s signature appeared on the signature pages
hereto. By its execution hereof 

 
or any Adoption Agreement, each of the Shareholders hereto appoints the Company as its attorney-in-fact for the purpose of executing any Adoption Agreement
which may be required to be delivered hereunder. 
 18.    Governing Law.    This Agreement
shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflicts of law principles thereof. 
 19.    Venue.    In the event any party to this Agreement commences any litigation, proceeding or other legal action with respect to any claim arising under this Agreement, the parties to
this Agreement hereby (a) agree that any such litigation, proceeding or other legal action shall be brought exclusively in a court of competent jurisdiction located within Hillsborough County, Florida, whether a state or federal court;
(b) agree that in connection with any such litigation, proceeding, or action, such parties will consent and submit to personal jurisdiction in any such court described in clause (a) and to service of process upon them in accordance with
the rules and statutes governing service of process or in accordance with the notice provisions contained herein; and (c) agree to waive to the full extent permitted by law any objection that they may now or hereafter have to the venue of any
such litigation, proceeding or action was brought in an inconvenient forum. The parties expressly agree that any breach of this Agreement shall be deemed to have occurred in such County. EACH PARTY HERETO WAIVES THE RIGHT TO A TRIAL BY JURY IN ANY
DISPUTE IN CONNECTION WITH OR RELATING TO THIS AGREEMENT, ANY RELATED AGREEMENT OR ANY MATTERS DESCRIBED OR CONTEMPLATED HEREIN OR THEREIN, AND AGREES TO TAKE ANY AND ALL ACTION NECESSARY OR APPROPRIATE TO EFFECT SUCH WAIVER. 
 20.    Entire Agreement.    This Agreement is intended to be the sole agreement of the Shareholders as it
relates to the subject matter hereof and supersedes all other agreements to which any of the Shareholders may be parties relating to the subject matter hereof, including, but not limited to, all agreements relating to the voting, ownership or
disposition of any securities of the Company. 
 24.    Counterparts.    This Agreement may be
executed in two or more counterparts, each of which shall be deemed an original, but all of which together shall constitute one and the same instrument. 

 IN WITNESS WHEREOF, the Shareholders and the Company have executed this Agreement as of the date first
above written. 
  

			
	 COMPANY
  
 HOMEOWNERS CHOICE, INC.

		
	By:	 	/s/    Francis X. McCahill, III
		 	Francis X. McCahill, III, President

  
 COMPANY
SIGNATURE PAGE TO VOTING AGREEMENT 
 FOR
HOMEOWNERS CHOICE, INC. 

					
	SHAREHOLDER:
			
	By:	 		 	 
		
	Address:	 	 
		 	 
	
	 Number of shares held by Shareholder:
            

 ENTITY SHAREHOLDER SIGNATURE PAGE
TO VOTING AGREEMENT 
 FOR HOMEOWNERS CHOICE,
INC. 

					
	SHAREHOLDER:
			
	By:	 		 	/s/  Gregory Politis
		
	Address:	 	965 S. Bayshore Blvd.
		 	S. Harbor, FL 34695
	
	 Number of shares held by Shareholder: 500,000

			
	By:	 		 	/s/  Anthony Saravanos
		 		 	Anthony Saravanos, Managing Member HC Investment LLC
		
	Address:	 	12550 Heatherleaf Drive
		 	Tampa, FL 33626
	
	 Number of shares held by Shareholder: 200,000

			
	By:	 		 	/s/  Martin A. Traber
		 		 	Martin A. Traber
		
	Address:	 	100 N. Tampa, Suite 2700
		 	Tampa, FL 33602
	
	 Number of shares held by Shareholder: 300,000

			
	By:	 		 	/s/  Sanjay Madhu
		 		 	Sanjay Madhu
		
	Address:	 	425 E. Davis Blvd.
		 	Tampa, FL 33606
	
	 Number of shares held by Shareholder: 200,000

			
	By:	 		 	/s/  Krishna Persaud
		 		 	Krishna Persand
		
	Address:	 	11767 Bayfield Dr.
		 	Boca Raton, FL 33498
	
	 Number of shares held by Shareholder: 1,000,000

			
	By:	 		 	/s/  Mark S. Berset
		 		 	Mark S. Berset
		
	Address:	 	1050 Friendly Way S.
		 	St. Pete, FL 33705
	
	 Number of shares held by Shareholder: 500,000

			
	By:	 		 	/s/  George Apostolou
		 		 	George Apostolou
		
	Address:	 	275 1st St. West
		 	Tierra Verde, FL 33715
	
	 Number of shares held by Shareholder: 250,000

 SHAREHOLDER SIGNATURE PAGE TO
VOTING AGREEMENT 
 FOR HOMEOWNERS CHOICE, INC.

 SCHEDULE A 
 BOARD MEMBERS VOTED SUBJECT TO THIS AGREEMENT 
 Paresh Patel 
 Martin A. Traber 
 Gregory Politis 
 George Apostolou 
 Sanjay Madhu 
 Krishna Persaud 
 Anthony Sarvanos 

 EXHIBIT A 
 ADOPTION AGREEMENT 
 This Adoption Agreement (“Adoption Agreement”) is
executed by the undersigned (the “Transferee”) pursuant to the terms of that certain Voting Agreement dated as of
                            , 2007 (the “Agreement”) by and among the Company and
certain of its stockholders. Capitalized terms used but not defined herein shall have the respective meanings ascribed to such terms in the Agreement. By the execution of this Adoption Agreement, the Transferee agrees as follows: 
 (a) Acknowledgment. Transferee acknowledges that Transferee is acquiring certain shares of the capital stock of the Company (the
“Stock”), subject to the terms and conditions of the Agreement. 
 (b) Agreement. Transferee (i) agrees that the
Stock acquired by Transferee shall be bound by and subject to the terms of the Agreement, and (ii) hereby adopts the Agreement with the same force and effect as if Transferee were originally a Shareholder thereto. 
 (c) Notice. Any notice required or permitted by the Agreement shall be given to Transferee at the address listed beside Transferee’s
signature below. 
 EXECUTED AND DATED this              day of
                            , 200    . 
  

					
	TRANSFEREE:
		
	By:	 	 
	 Print Name:
	 	 
	 Print Title:
	 	 
		
	 Address:
	 	 
	 Fax:
	 	 

 Accepted and Agreed: 
  

			
	COMPANY
		
	By:	 	 
	Title:

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