Document:

Supplemental Indenture No. 4

 Exhibit 4.18 
 SUPPLEMENTAL INDENTURE NUMBER 4 
 Dated as of December 21, 2007 
 to 
 INDENTURE 
 Dated as of October 27, 1998 
 between

 ACE US HOLDINGS, INC., 
 as
Issuer 
 and 
 THE BANK OF NEW
YORK, 
 as Successor Trustee 
  

 SUPPLEMENTAL INDENTURE NUMBER 4 
 This SUPPLEMENTAL INDENTURE NUMBER 4, dated as of December 21, 2007, is made by and between ACE US Holdings, Inc., a Delaware corporation (the
“Company”), and THE BANK OF NEW YORK, as successor trustee under the indenture referred to below (the “Trustee”). 
 WITNESSETH: 
 WHEREAS, the Company has heretofore executed and delivered to the United States Trust Company of New York, as
trustee, an Indenture, dated as of October 27, 1998, as amended by a Supplemental Indenture Number 1 and Waiver dated February 16, 2000, Supplemental Indenture Number 2 dated as of June 1, 2003 and Supplemental Indenture Number 3
dated as of September 1, 2004 (as so amended, the “Indenture”) providing for the issuance of an aggregate principal amount of up to $250,000,000 of Credit Sensitive Senior Notes due 2008 (the “Securities”); 
 WHEREAS, United States Trust Company of New York has transferred all or substantially all of its corporate trust business or assets to The Bank of New
York and, pursuant to Section 7.09 of the Indenture, The Bank of New York has become the successor trustee; 
 WHEREAS,
Section 4.02 of the Indenture requires the Company to provide certain consolidated financial statements and other financial information to the Trustee and the Holders; 
 WHEREAS, the Company has requested, and the Trustee is prepared to agree, to amend Section 4.02 of the Indenture as provided below (the
“Amendment”); 
 WHEREAS, Holders of a majority in principal amount of the Securities have consented in writing to the Amendment;
and 
 WHEREAS, pursuant to Section 9.02 of the Indenture, the Trustee and the Company are authorized to execute and deliver this
Supplemental Indenture Number 4. 
 NOW, THEREFORE, in consideration of the foregoing and for other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the Company and the Trustee mutually covenant and agree for the equal and ratable benefit of the Securityholders as follows: 
 1. Amendment of Section 4.02 of the Indenture. 
 (a) Section 1.01 of the Indenture is hereby amended by deleting the definition of “IndebtednessTotal Capital Ratio” in its entirety and replacing it with the following:: 
  

 “Indebtedness/Total Capital Ratio” means, as of any date, the quotient
expressed as a percentage of (i) Balance Sheet Indebtedness divided by (ii) the sum of Funded Indebtedness plus Consolidated Net Worth, in each case determined on a Consolidated basis in accordance with GAAP provided that if
Westchester Fire Insurance Company (“WFIC”) and Westchester Surplus Lines Insurance Company (“WSLIC”) account for not less than 90% of the combined stockholder’s equity of all of the subsidiaries of the Company as of the end
of any fiscal period for which the calculation of the Company’s Indebtedness/Total Capital Ratio is required to be calculated, the Company’s Indebtedness/Total Capital Ratio shall equal the quotient expressed as a percentage of
(i) Indebtedness that would be reflected on the face of a Consolidated balance sheet of the Company and the Restricted Subsidiaries under GAAP divided by (ii) the combined total surplus as regards to policyholders of WFIC and WSLIC set
forth in the statutory financial statements of WFIC and WSLIC filed with the insurance regulatory authority of each of such entity’s state of domicile for such fiscal period divided . 
 (b) A new Section 1.05 is hereby added which shall provide as follows: 
 SECTION 1.05. Use of Statutory Financial Statements. Notwithstanding anything herein contained to the contrary, in the event WFIC
and WSLIC account for not less than 90% of the combined stockholder’s equity of all of the subsidiaries of the Company as of the end of any fiscal period for which the calculation of any amounts are required based upon the Company’s
Consolidated financial statements (other than the Company’s Indebtedness/Total Capital Ratio), such amounts shall be computed with respect to such fiscal period combining the unconsolidated financial statements of the Company and the statutory
financial statements of WFIC and WSLIC filed with the insurance regulatory authority of each of such entity’s state of domicile for such fiscal period. Notwithstanding anything herein contained to the contrary, such combined financial
information need not comply with GAAP. 
 (c) Section 4.02 of the Indenture is hereby amended by deleting Section 4.02 in its
entirety and replacing it with the following: 
 (a) Within 120 days after the end of each fiscal year, the Company shall
provide to the Trustee and Securityholders a Consolidated balance sheet of the Company and the Restricted Subsidiaries as of the end of such fiscal year and the related Consolidated statements of income, stockholders’ equity and cash flow of
the Company and the Restricted Subsidiaries for such fiscal year, setting forth in each case in comparative form the Consolidated figures for the previous fiscal year, all in reasonable detail and accompanied by (i) a report thereon of
independent certified public accountants of recognized national standing selected by the Company stating that such Consolidated financial statements fairly present the Consolidated financial position of the Company and the Restricted Subsidiaries as
of the date indicated and their results of operations and cash flows for the periods indicated in conformity with GAAP (except as otherwise stated therein) and that the examination by such accountants in connection with such 

  

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Consolidated financial statements has been made in accordance with generally accepted auditing standards and (ii) a management’s discussion and
analysis of financial condition and results of operations substantially as would be required to be included in an annual report on Form 10-K if the Company were subject to the reporting requirements of Section 13 or 15(d) of the Exchange Act;
provided that if WFIC and WSLIC account for not less than 90% of the combined stockholder’s equity of all of the subsidiaries of the Company as of the end of any fiscal year, the Company may provide to the Trustee and Securityholders in
full satisfaction of its obligations under this Section 4.02(a) with respect to such fiscal year the annual audited statutory financial statements of WFIC and WSLIC filed with the insurance regulatory authority of each of such entity’s
state of domicile; 
 (b) within 45 days after the end of each fiscal quarter (other than the last fiscal quarter of any
fiscal year) the Company shall provide to the Trustee and Securityholders an unaudited Consolidated balance sheet of the Company and the Restricted Subsidiaries as of the end of such quarter and the related unaudited Consolidated statements of
income, stockholders’ equity and cash flow for such quarter and the portion of the fiscal year ended at the end of such quarter, setting forth in each case in comparative form the Consolidated figures for the corresponding periods of the prior
fiscal year, all in reasonable detail and certified by the Company’s chief financial officer as fairly presenting the Consolidated financial condition of the Company and the Restricted Subsidiaries as of the dates indicated, and their
Consolidated results of operations and cash flows for the periods indicated, in conformity with GAAP, subject to normal year-end adjustments and the absence of footnotes; provided that if WFIC and WSLIC account for not less than 90% of the
combined stockholder’s equity of all of the subsidiaries of the Company as of the end of any fiscal quarter, the Company may provide to the Trustee and Securityholders in full satisfaction of its obligations under this Section 4.02(a) with
respect to such fiscal quarter the quarterly unaudited statutory financial statements of WFIC and WSLIC filed with the insurance regulatory authority of each of such entity’s state of domicile; 
 (c) the Company and the Subsidiary Guarantors shall furnish to the Holders and prospective investors, upon their request, the information
required to be delivered pursuant to Rule 144A(d)(4) under the Securities Act; 
 (d) the Company shall deliver to the Trustee, the Calculation Agent and the Securityholders, no later than (i) in the case of the first three fiscal quarters of each year, the 45th day following the last day of
such fiscal quarters and (ii) in the case of the last fiscal quarter of each year, the 120th day following the last day of such fiscal quarter, a
certificate signed by two Officers of the Company (the “Quarterly Certificate”) in the form attached hereto as Exhibit D setting forth the following information: (i) the calculation of the Company’s Indebtedness/Total Capital
Ratio as of the last day of such preceding fiscal quarter, measured in accordance with GAAP on a Consolidated basis, 

  

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(ii) the current S&P Rating or Moody’s Rating for each ACE USA Insurance Group as of the date of such Quarterly Certificate, and
(iii) based upon the calculation and rating set forth respectively in (i) and (ii) above, the applicable interest rate in effect for the next Pricing Period; and 
 (e) if, following delivery of a Quarterly Certificate during any fiscal quarter pursuant to Section 4.02(d) and before the last day
of such fiscal quarter, any ACE USA Insurance Group is notified of any change in its S&P Rating or Moody’s Rating, the Company shall deliver to the Trustee, the Calculation Agent and the Securityholders a certificate signed by two Officers
of the Company notifying the Trustee of such change in the S&P Rating or Moody’s Rating for such ACE USA Insurance Group (the “Ratings Certificate”), which certificate shall be in the form of Exhibit E attached hereto and shall be
delivered within 3 days of such ACE USA Insurance Group being notified by S&P or Moody’s of the same. Such Ratings Certificate shall set forth the applicable interest rate in effect for the next Pricing Period taking into account such
change in the S&P Rating or Moody’s Rating. 
 2. Ratification of Indenture; Supplemental Indentures Part of Indenture.
Except as expressly amended hereby, the Indenture is in all respects ratified and confirmed and all the terms, conditions and provisions thereof shall remain in full force and effect. This Supplemental Indenture Number 4 shall form a part of the
Indenture for all purposes, and every Securityholder heretofore or hereafter authenticated and delivered shall be bound hereby. 
 3.
Indemnity. The Company shall indemnify the Trustee and its officers, directors, employees and agents against any and all loss, liability or expense (including reasonable attorneys’ fees and expenses) incurred by or in connection with the
execution and delivery of this Supplemental Indenture Number 4 and the performance of their duties hereunder. 
 4. Defined Terms.
Capitalized terms used herein without definition shall have the respective terms assigned such terms in the Indenture. 
 5. Governing
Law. THIS SUPPLEMENTAL INDENTURE NUMBER 4 SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK (WITHOUT REGARD TO THE CHOICE OF LAW PROVISIONS THEREOF THAT WOULD REQUIRE THE APPLICATION OF ANY OTHER LAWS).

 6. Trustee Makes No Representation. The Trustee makes no representation as to the validity or sufficiency of this Supplemental
Indenture Number 4. 
 7. Counterparts. The parties may sign any number of copies of this Supplemental Indenture Number 4. Each signed
copy shall be an original, but all of them together represent the same agreement. 
  

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 8. Effect of Headings. The Section headings herein are for convenience only and shall not effect
the construction thereof. 
 IN WITNESS WHEREOF, the parties hereto have caused this Supplemental Indenture Number 4 to be duly executed as
of the date first above written. 
  

			
	ACE US HOLDINGS, INC.
		
	By:	 	 
		 	 Name: Ken Koreyva
 Title:
Treasurer

	
	 THE BANK OF NEW YORK,
 as
Trustee

		
	By:	 	 
		 	 Name:
 Title:

  

 5Amendment to the Information Technology Services Agreement

 Exhibit 10.1 
 

 
 Amendment # 12 to the Information Technology Services Agreement 
  
  
 ACE INA Holdings Inc., a corporation having a place of business at 1601 Chestnut Street, Two Liberty Place, Philadelphia, Pennsylvania 19101 (“ACE”), and International Business Machines Corporation (“IBM”), a corporation
having its headquarters at Route 100, Somers, New York 10589, agree that the following terms and conditions amend and/or supplement the Information Technology Services Agreement (“Agreement”), dated June 29, 1999, between ACE and IBM
and are designated Amendment #12 (“Amendment #12”). This Amendment # 12 changes the section(s) of the Agreement as indicated below. Unless modified herein, all other terms defined in the Agreement and any previous Amendments shall have the
same meanings when used in this Amendment #12. All terms and conditions of the Agreement and its subsequent Amendments not otherwise specifically amended or supplemented herein remain unchanged and in full force and effect. 
 Unless otherwise stated within this Amendment, this Amendment #12 shall be effective as of January 1, 2008 (“Amendment #12 Effective Date”). 

PRELIMINARY STATEMENT 
 ACE and IBM have agreed to
amend certain Schedules of the Agreement through various Letters during calendar year 2006. This Amendment incorporates the changes agreed upon in Letters 0497, 0498, 0499, 0501, 0502, 0503, 0504, 0506, 0510, 0517, 0511, 0514, 0520, 0521, 0522,
0524, 0525, 0526, 0532, 0533, 0534, 0535, and 0537. 
  

	1.	Contract Documents affected by this Amendment: 

  

	 	•	 	 Information Technology Services Agreement 

  

	 	•	 	 Schedule A 

  

	 	•	 	 Schedule B 

  

	 	•	 	 Schedule C 

  

	 	•	 	 Schedule D 

  

	 	•	 	 Schedule E 

  

	 	•	 	 Schedule J 

  

	 	•	 	 Schedule J Supplement 

  

	 	•	 	 Schedule K-2 

  

	 	•	 	 Schedule O 

  

	 	•	 	 Schedule V 

  

	2.	Information Technology Services Agreement 

  

	 	a.	The Agreement dated June 29, 1999, as amended, is further amended as follows: 

  

	 	i.	Schedule V is removed from Section 2.3; 

  

	 	ii.	Section 3.1 is deleted in its entirety and replaced with the following; 

 This Agreement shall come into full force and effect upon the Commencement Date and continues until 12:00 midnight, ET, on December 31, 2014, unless this Agreement is terminated as provided herein or extended as
provided in Sections 3.2 or 20.5, in which case the Term shall end at 12:00 midnight on the effective date of such termination or the date to which this Agreement is extended. 
  

	 	iii.	Section 6.1 (a) is deleted in its entirety and replaced with the following; 

 (a) Service Facilities. The Services shall be provided at or from (i) the data centers and other service locations owned or leased by ACE and set forth on Schedule O, (ii) those IBM Facilities, in use
at the effective date of Amendment 11, (iii) any other service location as may be agreed upon by IBM and ACE in writing. 
  

			
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 Subject to ACE’s advance written consent, IBM may provide any part of the Services with personnel
from non-US locations provided that IBM presents a transition plan to ACE in advance for ACE’s review and consent. IBM will use good faith efforts to remedy any reasonable ACE concerns with the transition plan prior to implementation. ACE
agrees that it shall not unreasonably withhold, condition or delay its consent. IBM agrees to be responsible for any additional incremental costs incurred by ACE as a result of IBM’s transition of part of the Services to a non-US location.

  

	 	iv.	The first sentence of Section 11.11(a) is deleted in its entirety and replaced with the following: 

 Not more than once every two years during the Term and to be effective no sooner than January 1, 2010, ACE may, subject to this Section 11.11,
engage the services of a mutually agreeable independent third party (a “Benchmarker”) to compare the Services by Tower against the standard of well-managed operations performing similar services under similar conditions, prices, terms and
environments (“Benchmarking”). 
  

	 	v.	Pursuant to Letter #0517, dated October 5, 2006, effective July 1, 2005, Section 15.6 is deleted in its entirety and replaced with the following:

 Each Party represents and warrants that it shall perform its responsibilities under this Agreement in a manner that does not
infringe, or constitute an infringement or misappropriation of, any U.S. patent, copyright, trademark or similar proprietary rights conferred by contract or by common law or by the law of the U.S. or any state therein of any third party, or, for
responsibilities performed in countries other than the United States, of any patent, copyright, trademark or similar proprietary rights conferred by contract or by common law or by law in such countries; provided, however, that the performing
Party shall not have any obligation or liability to the extent any infringement or misappropriation is caused by (i) modifications or misuse made by the other Party or its subcontractors without the knowledge or approval of the performing
Party, (ii) the other Party’s combination of the performing Party’s work product or Materials with items not furnished or specified by the performing Party or contemplated by this Agreement, (iii) a breach of this Agreement by
the other Party, or (iv) Third Party Software, except to the extent that such infringement or misappropriation arises from the failure of the performing Party to obtain the necessary licenses or Required Consents or to abide by the limitations
of the applicable Third Party Software licenses. In addition, IBM represents and warrants that it will use commercially reasonable efforts to obtain intellectual property indemnification for ACE pursuant to any agreements that IBM enters into after
the Commencement Date in connection with providing the Services with respect to Third Party Software, from the suppliers of such Software, that is comparable to the intellectual property indemnification provided by IBM to ACE under this Agreement,
and will use reasonable efforts to notify ACE of all failures to obtain such indemnification. 
  

	 	vi.	The address of ACE in Section 16.1 (d) is deleted and replaced with the following: 

 ACE INA HOLDINGS, INC. 
 436 Walnut Street

 Philadelphia, Pennsylvania 19106 
 Attention: General Counsel 
  

	 	vii.	Pursuant to Letter #0517, dated October 5, 2006, effective July 1, 2005, Section 17.1(f) is deleted in its entirety and replaced with the following:

  

			
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	 	Amendment #12

 Infringement or alleged infringement of a patent, trade secret, copyright or other proprietary rights
conferred by contract, common law or by the law of the U.S. or any state therein or other country in which IBM performs its responsibilities under this Agreement in contravention of IBM’s representations and warranties in
Sections 15.5 and 15.6 provided that IBM shall have no obligation with respect to any Losses to the extent the same arises out of or in connection with ACE’s modification or misuse of Equipment, systems, programs or products,
or ACE’s combination, operation or use with devices, data, Equipment, systems, programs or products not furnished by IBM or its subcontractors or agents; provided further that if such a claim is made or appears likely to be made, ACE agrees to
permit IBM to obtain the right for ACE to continue to use such Equipment, system, program or product, or to modify it or replace it with one that is at least functionally equivalent; 
  

	 	viii.	Pursuant to Letter #0517, dated October 5, 2006, effective July 1, 2005, Section 17.2(e) is deleted in its entirety and replaced with the following:

 Infringement or alleged infringement of a patent, trade secret, copyright or other proprietary rights conferred by contract,
common law or by the law of the U.S. or any state therein or other country in which IBM performs its responsibilities under this Agreement with respect to materials provided by ACE or contravention of ACE’s representations and warranties in
Sections 15.5 and 15.6 provided that ACE shall have no obligation with respect to any Losses to the extent the same arises out of or in connection with IBM’s modification or misuse of Equipment, systems, programs or products,
or IBM’s combination, operation or use with devices, data, Equipment, systems, programs or products not furnished by ACE or its subcontractors or agents; provided further that if such a claim is made or appears likely to be made, IBM agrees to
permit ACE to obtain the right for IBM to continue to use such Equipment, system, program or product, or to modify it or replace it with one that is at least functionally equivalent; 
  

	 	ix.	Section 20.3 is deleted in its entirety and replaced with the following 

 ACE may terminate the Agreement for convenience and without cause to be effective at any time after December 31, 2009, by giving IBM at least one hundred eighty (180) days prior written notice designating
the termination date, or, beginning July 1, 2002, with respect to any or all individual Towers. On the effective date of termination, ACE shall pay to IBM a Termination Charge calculated in accordance with Schedule J. In the
event that a purported termination for cause by ACE under Section 20.1 is determined by a competent authority not to be properly a termination for cause, then such termination by ACE shall be deemed to be a termination for
convenience under this Section 20.3. Any Termination Charges associated with New Services agreed upon by the Parties under the auspices of separate statements of work will be specified in each statement of work. 
  

	 	x.	The address of ACE in Section 21.4 is deleted and replaced with the following: 

 ACE INA HOLDINGS, INC. 
 436 Walnut Street 
 Philadelphia, Pennsylvania 19106 
 Attention: General Counsel, and 
  

	3.	Schedule A, “Application Software” 

  

	 	a.	Schedule A is deleted in its entirety and replaced by the revised Schedule A attached to this Amendment #12. The revised Schedule A incorporates changes to the list of Applications
and support personnel. 

  

	4.	Schedule B, “System Software” 

  

	 	a.	Schedule B is deleted in its entirety and replaced by the revised Schedule B attached to this Amendment #12. The revised Schedule B incorporates changes agreed upon in Letter #0506,
dated May 24, 2006 and as further agreed by the Parties. 

  

			
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	 	Amendment #12

	 	b.	Schedule B-1 is added pursuant to the agreement between the Parties documented in Section 8.0.i. of Schedule J with respect to certain BMC Software. 

 

	5.	Schedule C, “Key Personnel” 

  

	 	a.	Schedule C is deleted in its entirety and replaced by the revised Schedule C attached to this Amendment #12. The revised Schedule C incorporates changes made by IBM notified to ACE
in Letter #0526, dated March 30, 2007. 

  

	6.	Schedule D, “Subcontractors” 

  

	 	a.	Schedule D is deleted in its entirety and replaced by the revised Schedule D attached to this Amendment #12. The revised Schedule D is effective May 10, 2006. The revised
Schedule D incorporates changes agreed upon in Letter #0522, dated December 19, 2006 and the inclusion of Broadridge Financial Solutions. 

  

	7.	Schedule E, “Services and Support Responsibilities” 

  

	 	a.	Schedule E is deleted in its entirety and replaced by the revised Schedule E attached to this Amendment #12. The revised Schedule E incorporates the following changes:

  

	 	i.	TLP Voice IMACD Services were terminated effective March 1, 2006, as agreed upon in Letter #0497, dated February 28, 2006; 

  

	 	ii.	Additional WAN-Broadband Services were added and changes were made to WAN-Broadband Services pursuant to Letter #514, dated December 19, 2006; 

  

	 	iii.	Additional Distributed Computing Services were added for WSUS Services in Part 6-A; 

  

	 	iv.	Midrange (iSeries) Server Services were terminated effective November 30, 2006 pursuant to Letter #0520, dated December 11, 2006; 

  

	 	v.	Section 5 of Part 7-G was deleted in its entirety as the Call Accounting Service was terminated by ACE effective February 1, 2007; and 

  

	 	vi.	All references to “Blackberry” devices were changed to “mobile hand held” devices pursuant to ACE’s request. 

  

	8.	Schedule J, “Charges” 

  

	 	a.	Schedule J is deleted in its entirety and replaced by the revised Schedule J attached to this Amendment #12. The revised Schedule J incorporates the following changes:

  

	 	i.	The definition of “RRC Floor” was updated; 

  

	 	ii.	While Section 5.3.a was modified effective June 1, 2007 pursuant to Letter #0525, dated March 1, 2007, it has been removed; 

  

	 	iii.	Section 5.3.e.4. was modified to include a term that travel time and expenses associated with disaster recovery tests are ACE’s financial responsibility.

  

	 	iv.	Section 5.3.f. was added effective June 1, 2007 pursuant to Letter #0525, dated March 1, 2007; 

  

	 	v.	Section 5.4 was removed effective November 30, 2006 pursuant to Letter #0520, dated December 11, 2006; 

  

	 	vi.	Section 5.7.a. was modified to add additional provisions regarding the provision of Additional Distributed Computing Services for WSUS Services; 

  

	 	vii.	Section 5.7.d.4. was modified to include a term that travel time and expenses associated with disaster recovery tests are ACE’s financial responsibility;

  

	 	viii.	The first paragraph of Section 5.8 is deleted in its entirety; 

  

	 	ix.	Section 5.8.i.5. was deleted, effective February 1, 2007, pursuant to Letter #537, dated December 21, 2007; 

  

	 	x.	Section 5.8.n. was deleted in its entirety as the Services were terminated effective March 1, 2006, as agreed upon in Letter #0497, dated February 28, 2006;

  

	 	xi.	Section 5.9.a was modified to incorporate changes for the inclusion of US Tier 1, US Tier 2, and US Tier 3 AMS resources; 

  

	 	xii.	Section 5.9.a.5 was modified to correct an error; 

  

	 	xiii.	Section 5.9.a.10 was modified to account for IBM’s agreement to be financially responsible for Charges related to transition between IBM Personnel requested by ACE related
to this Amendment #12; 

  

			
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	 	xiv.	Section 5.9.b. was modified for the inclusion of US Tier 1, US Tier 2, and US Tier 3 AMS Resources; 

  

	 	xv.	Variable Charges for Workstation Support Services were modified effective January 1, 2007 pursuant to Letter #0524, dated May 29, 2007; 

  

	 	xvi.	Section 7.3.b. was modified to change the minimum to 60% of the 2008 Baseline; 

  

	 	xvii.	Section 8.0.d. was modified to update the Mainframe model that was upgraded; 

  

	 	xviii.	Sections 8.0.g. through 8.0.j. were added; 

  

	 	xix.	Section 9 was updated with new Termination Charges; and 

  

	 	xx.	The last sentence of Section 10 was deleted. 

  

	 	b.	Amendment #12, “Schedule J Supplement: The Schedule J Supplement is deleted in its entirety and replaced by the revised Schedule J Supplement attached to this Amendment
#12. The revised Schedule J Supplement incorporates the following changes: 

  

	 	i.	Changes to the PBX and PBX Adjunct Equipment at the ACE Site in Houston, TX, pursuant to Letter #501, dated May 3, 2006. The credit provided in Letter #501 will cease and be
incorporated into the Charges as of the Amendment #12 Effective Date; 

  

	 	ii.	Termination of the PBX and PBX Adjunct Equipment at the ACE Site in Minnetonka, MN, effective April 30, 2006 pursuant to Letter #502, dated May 3, 2006. The credit
provided in Letter #502 will cease and be incorporated into the Charges as of the Amendment #12 Effective Date; 

  

	 	iii.	Termination of the PBX and PBX Adjunct Equipment at the ACE Site in Washington, D.C., effective May 30, 2006 pursuant to Letter #503, dated May 3, 2006. The credit
provided in Letter #503 will cease and be incorporated into the Charges as of the Amendment #12 Effective Date; 

  

	 	iv.	Changes to the PBX and PBX Adjunct Equipment at the ACE Site in San Diego, CA, pursuant to Letter #504, dated May 3, 2006. The credit provided in Letter #504 will cease and be
incorporated into the Charges as of the Amendment #12 Effective Date; 

  

	 	v.	Termination of the Midrange (iSeries) Server Services effective November 30, 2006 pursuant to Letter #0520, dated December 11, 2006. The credit provided in Letter #520
will cease and be incorporated into the Charges as of the Amendment #12 Effective Date; 

  

	 	vi.	Mainframe Charges were amended effective June 1, 2007 pursuant to Letter #0525, dated March 1, 2007; 

  

	 	vii.	Termination of Call Accounting Services, effective February 1, 2007 pursuant to Letter #537, dated December 21, 2007. A one-time credit was provided in Letter #537 and the
Charges are removed as of the Amendment #12 Effective Date; 

  

	 	viii.	Workstation Support Charges were modified effective January 1, 2007 pursuant to Letter #0524, dated May 29, 2007; 

  

	 	ix.	Termination of the PBX and PBX Adjunct Equipment at the ACE Site in Boston, MA, effective July 30, 2007 pursuant to Letter #532, dated November 29, 2007. The credit
provided in Letter #532 will cease and be incorporated into the Charges as of the Amendment #12 Effective Date 

  

	 	x.	Termination of the PBX and PBX Adjunct Equipment at the ACE Site in Southfield, MI, effective November 30, 2007 pursuant to Letter #533, dated November 29, 2007. The
credit provided in Letter #533 will cease and be incorporated into the Charges as of the Amendment #12 Effective Date; and 

  

	 	xi.	Termination of the PBX and PBX Adjunct Equipment at the ACE Site in Overland Park, KS, effective December 31, 2007 pursuant to Letter #534, dated December 18, 2007. The
credit provided in Letter #534 will be incorporated into the Charges as of the Amendment #12 Effective Date; and 

  

	 	xii.	Changes to the Mainframe Charges and Mainframe DR Charges, effective December 15, 2007, pursuant to Letter #535, dated November 29, 2007. 

  

	 	c.	Table J-3: Table J-2 is deleted in its entirety and replaced by the revised Table J-2 attached to this Amendment #12. The revised Table J-2 incorporates the following
changes: 

  

	 	i.	Termination of the PBX and PBX Adjunct Equipment at the ACE Site at TLP in Philadelphia, PA, pursuant to Letter #499, dated February 28, 2006; 

  

	 	ii.	Changes to the PBX and PBX Adjunct Equipment at the ACE Site at Houston, TX, pursuant to Letter #501, dated May 3, 2006; 

  

			
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	 	Amendment #12

	 	iii.	Changes to the PBX and PBX Adjunct Equipment at the ACE Site at Minnetonka, MN, pursuant to Letter #502, dated May 3, 2006; 

  

	 	iv.	Changes to the PBX and PBX Adjunct Equipment at the ACE Site at Washington, D.C, pursuant to Letter #503, dated May 3, 2006; 

  

	 	v.	Changes to the PBX and PBX Adjunct Equipment at the ACE Site at San Diego, CA, pursuant to Letter #504, dated May 3, 2006; 

  

	 	vi.	Changes to the PBX and PBX Adjunct Equipment at the ACE Site at Boston, MA, pursuant to Letter #533, dated November 29, 2007; 

  

	 	vii.	Changes to the PBX and PBX Adjunct Equipment at the ACE Site at Southfield, MI, pursuant to Letter #534, dated November 29, 2007; and 

  

	 	viii.	Changes to the PBX and PBX Adjunct Equipment at the ACE Site at Overland Park, KS, pursuant to Letter #535, dated December 18, 2007. 

  

	 	d.	Table J-9: Table J-9 is deleted in its entirety and replaced by the revised Table J-9 attached to this Amendment #12. The revised Table J-9 incorporates changes agreed upon
in Letter #0514, dated December 19, 2006. 

  

	 	e.	Exhibit J-B: Exhibit J-B is deleted in its entirety and replaced by the revised Exhibit J-B attached to this Amendment #12. The revised Exhibit J-B incorporates changes
agreed upon in Letter #0514, dated December 19, 2006. 

  

	9.	Schedule K-2, “Workstation Standards” 

  

	 	a.	Schedule K-2 is deleted in its entirety and replaced by the revised Schedule K-2 attached to this Amendment #12. The revised Schedule K-2 is effective June 30, 2006. The
revised Schedule K-2 incorporates changes agreed upon in Letter #0511, dated October 24, 2006. 

  

	10.	Schedule O, “ACE Sites” 

  

	 	a.	Schedule O is deleted in its entirety and replaced by the revised Schedule O, dated February 28, 2006, attached to this Amendment #12 and is effective March 7, 2006
pursuant to Letter #0498, dated February 28, 2006. Schedule O is further amended and replaced with the revised Schedule O, dated December 14, 2006, attached to this Amendment #12 pursuant to Letter #0521, dated December 14, 2006.

  

	11.	Schedule V, “Services Provided From Non-US Locations” 

  

	 	a.	While Schedule V was added to the Agreement effective August 15, 2006 as agreed upon in Letter #0510, dated August 3, 2006, the Parties agree that Schedule V and Letter
#0510 are removed from the Agreement as of the Amendment #12 Effective Date. 

 THE PARTIES ACKNOWLEDGE THAT THEY HAVE READ THIS AMENDMENT
#12, UNDERSTAND IT, AND AGREE TO BE BOUND BY ITS TERMS AND CONDITIONS. FURTHER, THE PARTIES AGREE THAT THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN THE PARTIES RELATING TO THIS SUBJECT SHALL CONSIST OF 1) THE AMENDMENTS, 2) THE
SCHEDULES, AND 3) THE AGREEMENT, DATED JUNE 29, 1999, AS AMENDED. THIS STATEMENT OF AMENDMENT #12 SUPERCEDES ALL PROPOSALS OR OTHER PRIOR AGREEMENTS, ORAL OR WRITTEN, AND ALL OTHER COMMUNICATIONS BETWEEN THE PARTIES RELATING TO THE SUBJECT MATTER
DESCRIBED IN THIS AMENDMENT #12. 
  

									
	Accepted by:	 		 	Accepted by:
			
	International Business Machines Corporation	 		 	ACE INA Holdings Inc.
					
	 By:
	 	  
	 		 	 By:
	 	  

		 	Authorized Signature	 		 		 	Authorized Signature
				
	 Ray Hoppenjans
	 		 		 	 William M. Siegle 

	Name (Type or
Print)                                    Date	 		 		 	Name (Type or
Print)                                     Date

  

			
	 ACE / IBM Confidential 
	 	Page 6 of 6
	 Amendment #12 FINAL IBM
	 	Amendment #12

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