Document:

Endorsement No 1 effective June 1, 2015 to Multi-Year Reinstatement Premium

 

 
  

 EXHIBIT 10.64 

**** indicates material that has been omitted pursuant to a request for confidential treatment. The omitted material has been filed separately with the U.S.
Securities and Exchange Commission. 

  
  

			
	ARP-HCI-02-RPP-201-14	  	Endorsement No. 1 – Lloyd’s
		
	DOC: May 20, 2015	  	

 

 
  

 ENDORSEMENT NO. 1 

to the 
 MULTI-YEAR
REINSTATEMENT PREMIUM PROTECTION REINSURANCE CONTRACT 
 (hereinafter called the “Contract”) 

EFFECTIVE: JUNE 1, 2014 

issued to 
 HOMEOWNERS CHOICE
PROPERTY & CASUALTY INSURANCE COMPANY, INC. 
 TAMPA, FLORIDA 

(hereinafter called the “Reinsured”) 

by 
 CERTAIN UNDERWRITERS AT
LLOYD’S 
 (hereinafter called, with other participants, the “Reinsurer”) 

Effective June 1, 2015, the Contract has been amended as follows: 

PARAGRAPH (5) OF ARTICLE 9 – CONFIDENTIALITY shall read as follows: 

With regard to any personally identifiable information of the insured under the Reinsured’s Policy to which the Reinsurer or its
representatives may have access, the Reinsurer shall agree to be bound by the insurance privacy laws of the state in which the Policy is issued and any applicable U.S. federal law and shall keep such information secure in accordance with U.S.
insurance industry standards or that of the Reinsurer’s country of domicile, whichever standards are higher. 
 SCHEDULE B shall now read as
attached. 
 All other Terms and Conditions remain unchanged. 
  

							
	 Syndicate #
	  	Pseudonym	  	Initial	  	Date
	 2001
	  	AML	  		  	

 The share attaching to this Contract is subscribed by the Underwriters, Members of the Syndicates the definitive numbers of
which and the proportions reinsured described above. 

  
  

			
	ARP-HCI-02-RPP-201-14	  	Endorsement No. 1 – Lloyd’s
		
	DOC: May 20, 2015	  	

 

 
  

 Signed in
                                , on this
             day of                     , 20    

 HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC. 

TAMPA, FLORIDA 

BY:                       
                                      

TITLE:                      
                                       

  
  

			
	ARP-HCI-02-RPP-201-14	  	Endorsement No. 1 – Lloyd’s
		
	DOC: May 20, 2015	  	

 

 
  

 ENDORSEMENT NO. 1 

to the 
 MULTI-YEAR
REINSTATEMENT PREMIUM PROTECTION REINSURANCE CONTRACT 
 (hereinafter called the “Contract”) 

EFFECTIVE: JUNE 1, 2014 

issued to 
 HOMEOWNERS CHOICE
PROPERTY & CASUALTY INSURANCE COMPANY, INC. 
 TAMPA, FLORIDA 

(hereinafter called the “Reinsured”) 

by 
 ACE TEMPEST REINSURANCE
LIMITED 
 (hereinafter called, with other participants, the “Reinsurer”) 

Effective June 1, 2015, the Contract has been amended as follows: 

PARAGRAPH (5) OF ARTICLE 9 – CONFIDENTIALITY shall read as follows: 

With regard to any personally identifiable information of the insured under the Reinsured’s Policy to which the Reinsurer or its
representatives may have access, the Reinsurer shall agree to be bound by the insurance privacy laws of the state in which the Policy is issued and any applicable U.S. federal law and shall keep such information secure in accordance with U.S.
insurance industry standards or that of the Reinsurer’s country of domicile, whichever standards are higher. 
 SCHEDULE B shall now read as
attached. 
 All other Terms and Conditions remain unchanged. 

  
  

			
	ARP-HCI-02-RPP-201-14	  	Endorsement No. 1 – ACETR
		
	DOC: May 20, 2015	  	

 

 
  

 Signed in
                                , on this
             day of                     , 20    

 ACE TEMPEST REINSURANCE LIMITED 

BY:                       
                                      

TITLE:                      
                                       

Signed in
                                , on this
             day of                     , 20    

 HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC. 

TAMPA, FLORIDA 

BY:                       
                                      

TITLE:                      
                                       

  
  

			
	ARP-HCI-02-RPP-201-14	  	Endorsement No. 1 – ACETR
		
	DOC: May 20, 2015	  	

 

 
  

 ENDORSEMENT NO. 1 

to the 
 MULTI-YEAR
REINSTATEMENT PREMIUM PROTECTION REINSURANCE CONTRACT 
 (hereinafter called the “Contract”) 

EFFECTIVE: JUNE 1, 2014 

issued to 
 HOMEOWNERS CHOICE
PROPERTY & CASUALTY INSURANCE COMPANY, INC. 
 TAMPA, FLORIDA 

(hereinafter called the “Reinsured”) 

by 
 ARCH REINSURANCE LTD.

 (hereinafter called, with other participants, the “Reinsurer”) 

Effective June 1, 2015, the Contract has been amended as follows: 

PARAGRAPH (5) OF ARTICLE 9 – CONFIDENTIALITY shall read as follows: 

With regard to any personally identifiable information of the insured under the Reinsured’s Policy to which the Reinsurer or its
representatives may have access, the Reinsurer shall agree to be bound by the insurance privacy laws of the state in which the Policy is issued and any applicable U.S. federal law and shall keep such information secure in accordance with U.S.
insurance industry standards or that of the Reinsurer’s country of domicile, whichever standards are higher. 
 SCHEDULE B shall now read as
attached. 
 All other Terms and Conditions remain unchanged. 

  
  

			
	ARP-HCI-02-RPP-201-14	  	Endorsement No. 1 – ARCHL
		
	DOC: May 20, 2015	  	

 

 
  

 Signed in
                                , on this
             day of                     , 20    

 ARCH REINSURANCE LTD. 

BY:                       
                                      

TITLE:                      
                                       

Signed in
                                , on this
             day of                     , 20    

 HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC. 

TAMPA, FLORIDA 

BY:                       
                                      

TITLE:                      
                                       

  
  

			
	ARP-HCI-02-RPP-201-14	  	Endorsement No. 1 – ARCHL
		
	DOC: May 20, 2015	  	

 

 
  

 ENDORSEMENT NO. 1 

to the 
 MULTI-YEAR
REINSTATEMENT PREMIUM PROTECTION REINSURANCE CONTRACT 
 (hereinafter called the “Contract”) 

EFFECTIVE: JUNE 1, 2014 

issued to 
 HOMEOWNERS CHOICE
PROPERTY & CASUALTY INSURANCE COMPANY, INC. 
 TAMPA, FLORIDA 

(hereinafter called the “Reinsured”) 

by 
 DAVINCI REINSURANCE LTD.

 (hereinafter called, with other participants, the “Reinsurer”) 

Effective June 1, 2015, the Contract has been amended as follows: 

PARAGRAPH (5) OF ARTICLE 9 – CONFIDENTIALITY shall read as follows: 

With regard to any personally identifiable information of the insured under the Reinsured’s Policy to which the Reinsurer or its
representatives may have access, the Reinsurer shall agree to be bound by the insurance privacy laws of the state in which the Policy is issued and any applicable U.S. federal law and shall keep such information secure in accordance with U.S.
insurance industry standards or that of the Reinsurer’s country of domicile, whichever standards are higher. 
 SCHEDULE B shall now read as
attached. 
 All other Terms and Conditions remain unchanged. 

  
  

			
	ARP-HCI-02-RPP-201-14	  	Endorsement No. 1 – DAVI
		
	DOC: May 20, 2015	  	

 

 
  

 Signed in
                                , on this
             day of                     , 20    

 DAVINCI REINSURANCE LTD. 

BY:                       
                                      

TITLE:                      
                                       

Signed in
                                , on this
             day of                     , 20    

 HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC. 

TAMPA, FLORIDA 

BY:                       
                                      

TITLE:                      
                                       

  
  

			
	ARP-HCI-02-RPP-201-14	  	Endorsement No. 1 – DAVI
		
	DOC: May 20, 2015	  	

 

 
  

 ENDORSEMENT NO. 1 

to the 
 MULTI-YEAR
REINSTATEMENT PREMIUM PROTECTION REINSURANCE CONTRACT 
 (hereinafter called the “Contract”) 

EFFECTIVE: JUNE 1, 2014 

issued to 
 HOMEOWNERS CHOICE
PROPERTY & CASUALTY INSURANCE COMPANY, INC. 
 TAMPA, FLORIDA 

(hereinafter called the “Reinsured”) 

by 
 RENAISSANCE REINSURANCE,
LTD. 
 (hereinafter called, with other participants, the “Reinsurer”) 

Effective June 1, 2015, the Contract has been amended as follows: 

PARAGRAPH (5) OF ARTICLE 9 – CONFIDENTIALITY shall read as follows: 

With regard to any personally identifiable information of the insured under the Reinsured’s Policy to which the Reinsurer or its
representatives may have access, the Reinsurer shall agree to be bound by the insurance privacy laws of the state in which the Policy is issued and any applicable U.S. federal law and shall keep such information secure in accordance with U.S.
insurance industry standards or that of the Reinsurer’s country of domicile, whichever standards are higher. 
 SCHEDULE B shall now read as
attached. 
 All other Terms and Conditions remain unchanged. 

  
  

			
	ARP-HCI-02-RPP-201-14	  	Endorsement No. 1 – REN
		
	DOC: May 20, 2015	  	

 

 
  

 Signed in
                                , on this
             day of                     , 20    

 RENAISSANCE REINSURANCE, LTD. 

BY:                       
                                      

TITLE:                      
                                       

Signed in
                                , on this
             day of                     , 20    

 HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC. 

TAMPA, FLORIDA 

BY:                       
                                      

TITLE:                      
                                       

  
  

			
	ARP-HCI-02-RPP-201-14	  	Endorsement No. 1 – REN
		
	DOC: May 20, 2015	  	

 

 
  

 SCHEDULE B 

MULTI-YEAR REINSTATEMENT PREMIUM PROTECTION REINSURANCE CONTRACT 

EFFECTIVE: JUNE 1, 2014 

issued to 
 HOMEOWNERS CHOICE
PROPERTY & CASUALTY INSURANCE COMPANY, INC. 
 TAMPA, FLORIDA 

 

									
	 Contract Year 2
	  	Excess
Layer 3	 	  	Excess
Layer 4	 
	 Reinsurer’s Per Occurrence Limit in Original Contract
	  	$	228,000,000	  	  	$	94,000,000	  
	 RPP Factor
	  	 	1.1000	  	  	 	1.1000	  
	 RPP Annual Deposit Premium
	  	$	****	  	  	$	****	  
	 RPP Annual Minimum Premium
	  	$	****	  	  	$	****	  
	 RPP Deposit Payment Schedule:
	  				  			
	 June 1, 2015
	  	$	****	  	  	$	****	  
	 September 1, 2015
	  	$	****	  	  	$	****	  
	 January 1, 2016
	  	$	****	  	  	$	****	  
	 April 1, 2016
	  	$	****	 * 	  	$	****	 * 

  

	*	plus applicable adjustment per Rate and Premium Article 

 The figures listed above are at
100% for each excess layer and shall apply to each Reinsurer in the percentage share for that excess layer as expressed in its Interests and Liabilities Agreement attached hereto. 

  
  

			
	ARP-HCI-02-RPP-201-14	  	Endorsement No. 1 – REN
		
	DOC: May 20, 2015Endorsement No 1 effective June 1, 2015 to Interests And Liabilities Agreement

 

 
 EXHIBIT 10.65 

  
  

			
	ARP-HCI-02-RPP-201-14	  	I&L Endorsement No. 1 – Lloyd’s
		
	DOC: May 31, 2015	  	

 

 
  

 ENDORSEMENT NO. 1 

to the 
 INTERESTS AND
LIABILITIES AGREEMENT 
 attaching to, and forming part of, the 

MULTI-YEAR REINSTATEMENT PREMIUM PROTECTION REINSURANCE CONTRACT 

(hereinafter called the “Contract”) 

EFFECTIVE: JUNE 1, 2014 

issued to 
 HOMEOWNERS CHOICE
PROPERTY & CASUALTY INSURANCE COMPANY, INC. 
 TAMPA, FLORIDA 

(hereinafter called the “Reinsured”) 

by 
 CERTAIN UNDERWRITERS AT
LLOYD’S 
 (hereinafter called, with other participants, the “Reinsurer”) 

who are signatories hereto, each for the proportion underwritten and not one for another 

Effective June 1, 2015, the Interests & Liabilities Agreement of the above Reinsurer shall be amended as follows: 

Under the terms of this Contract the above Reinsurer agrees to assume severally and not jointly with other participants 

 

					
	 Contract Year 1
	  	Participation	 
	 Excess Layer 3
	  	 	0.000	% 
	 Excess Layer 4
	  	 	25.000	% 
		
	 Contract Year 2
	  	Participation	 
	 Excess Layer 3
	  	 	0.000	% 
	 Excess Layer 4
	  	 	17.426	% 

 of the liability in the layer(s) described in the attached Contract including the same corresponding proportional
participation of the Reinsurers’ additional obligations set forth within the layer(s) upon which the Reinsurer participates described above. 

Contract Year 1 

Excess Layer 4 
  

													
	 Syndicate #
	  	Pseudonym	 	  	Participation	 	 	Initial	  	Date
	 2001
	  	 	AML	  	  	 	25.000	% 	 		  	

  
  

			
	ARP-HCI-02-RPP-201-14	  	I&L Endorsement No. 1 – Lloyd’s
		
	DOC: May 31, 2015	  	

 

 
  

 Contract Year 2 

Excess Layer 4 
  

											
	 Syndicate #
	  	Pseudonym	  	Participation	 	 	Initial	  	Date
	 2001
	  	AML	  	 	17.426	% 	 		  	

 All other Terms and Conditions detailed on the original fully executed Interests & Liabilities Agreement shall
remain unchanged. 
  

							
	 Syndicate #
	  	Pseudonym	  	Initial	  	Date
	 2001
	  	AML	  		  	

 The share attaching to this Contract is subscribed by the Underwriters, Members of the Syndicates the definitive numbers of
which and the proportions reinsured described above. 
 Signed in
                                , on this
             day of                     , 20__ 

HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC. 

TAMPA, FLORIDA 

BY:                       
                                      

TITLE:                      
                                        

  
  

			
	ARP-HCI-02-RPP-201-14	  	I&L Endorsement No. 1 – Lloyd’s
		
	DOC: May 31, 2015	  	

 

 
  

 ENDORSEMENT NO. 1 

to the 
 INTERESTS AND
LIABILITIES AGREEMENT 
 attaching to, and forming part of, the 

MULTI-YEAR REINSTATEMENT PREMIUM PROTECTION REINSURANCE CONTRACT 

(hereinafter called the “Contract”) 

EFFECTIVE: JUNE 1, 2014 

issued to 
 HOMEOWNERS CHOICE
PROPERTY & CASUALTY INSURANCE COMPANY, INC. 
 TAMPA, FLORIDA 

(hereinafter called the “Reinsured”) 

by 
 ACE TEMPEST REINSURANCE
LIMITED 
 (hereinafter called, with other participants, the “Reinsurer”) 

Effective June 1, 2015, the Interests & Liabilities Agreement of the above Reinsurer shall be amended as follows: 

Under the terms of this Contract the above Reinsurer agrees to assume severally and not jointly with other participants 

 

					
	 Contract Year 1
	  	Participation	 
	 Excess Layer 3
	  	 	12.500	% 
	 Excess Layer 4
	  	 	15.000	% 
		
	 Contract Year 2
	  	Participation	 
	 Excess Layer 3
	  	 	8.026	% 
	 Excess Layer 3
	  	 	10.455	% 

 of the liability in the layer(s) described in the attached Contract including the same corresponding proportional
participation of the Reinsurers’ additional obligations set forth within the layer(s) upon which the Reinsurer participates described above. 
 All
other Terms and Conditions detailed on the original fully executed Interests & Liabilities Agreement shall remain unchanged. 

  
  

			
	ARP-HCI-02-RPP-201-14	  	I&L Endorsement No. 1 – ACETR
		
	DOC: May 31, 2015	  	

	
	 

 

 
  

 Signed in
                                , on this
             day of                     , 20__ 

ACE TEMPEST REINSURANCE LIMITED 

BY:                       
                                      

TITLE:                      
                                        

Signed in
                                , on this
             day of                     , 20__ 

HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC. 

TAMPA, FLORIDA 

BY:                       
                                      

TITLE:                      
                                        

  
  

			
	ARP-HCI-02-RPP-201-14	  	I&L Endorsement No. 1 – ACETR
		
	DOC: May 31, 2015	  	

 

 
  

 ENDORSEMENT NO. 1 

to the 
 INTERESTS AND
LIABILITIES AGREEMENT 
 attaching to, and forming part of, the 

MULTI-YEAR REINSTATEMENT PREMIUM PROTECTION REINSURANCE CONTRACT 

(hereinafter called the “Contract”) 

EFFECTIVE: JUNE 1, 2014 

issued to 
 HOMEOWNERS CHOICE
PROPERTY & CASUALTY INSURANCE COMPANY, INC. 
 TAMPA, FLORIDA 

(hereinafter called the “Reinsured”) 

by 
 ARCH REINSURANCE LTD.

 (hereinafter called, with other participants, the “Reinsurer”) 

Effective June 1, 2015, the Interests & Liabilities Agreement of the above Reinsurer shall be amended as follows: 

Under the terms of this Contract the above Reinsurer agrees to assume severally and not jointly with other participants 

 

					
	 Contract Year 1
	  	Participation	 
	 Excess Layer 3
	  	 	5.000	% 
	 Excess Layer 4
	  	 	0.000	% 
		
	 Contract Year 2
	  	Participation	 
	 Excess Layer 3
	  	 	3.211	% 
	 Excess Layer 4
	  	 	0.000	% 

 of the liability in the layer(s) described in the attached Contract including the same corresponding proportional
participation of the Reinsurers’ additional obligations set forth within the layer(s) upon which the Reinsurer participates described above. 
 All
other Terms and Conditions detailed on the original fully executed Interests & Liabilities Agreement shall remain unchanged. 

  
  

			
	ARP-HCI-02-RPP-201-14	  	I&L Endorsement No. 1 – ARCHL
		
	DOC: May 31, 2015	  	

 

 
  

 Signed in
                                , on this
             day of                     , 20__ 

ARCH REINSURANCE LTD. 

BY:                       
                                      

TITLE:                      
                                        

Signed in
                                , on this
             day of                     , 20__ 

HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC. 

TAMPA, FLORIDA 

BY:                       
                                      

TITLE:                      
                                        

  
  

			
	ARP-HCI-02-RPP-201-14	  	I&L Endorsement No. 1 – ARCHL
		
	DOC: May 31, 2015	  	

 

 
  

 ENDORSEMENT NO. 1 

to the 
 INTERESTS AND
LIABILITIES AGREEMENT 
 attaching to, and forming part of, the 

MULTI-YEAR REINSTATEMENT PREMIUM PROTECTION REINSURANCE CONTRACT 

(hereinafter called the “Contract”) 

EFFECTIVE: JUNE 1, 2014 

issued to 
 HOMEOWNERS CHOICE
PROPERTY & CASUALTY INSURANCE COMPANY, INC. 
 TAMPA, FLORIDA 

(hereinafter called the “Reinsured”) 

by 
 DAVINCI REINSURANCE LTD.

 (hereinafter called, with other participants, the “Reinsurer”) 

Effective June 1, 2015, the Interests & Liabilities Agreement of the above Reinsurer shall be amended as follows: 

Under the terms of this Contract the above Reinsurer agrees to assume severally and not jointly with other participants 

 

					
	 Contract Year 1
	  	Participation	 
	 Excess Layer 3
	  	 	16.250	% 
	 Excess Layer 4
	  	 	16.250	% 
		
	 Contract Year 2
	  	Participation	 
	 Excess Layer 3
	  	 	10.434	% 
	 Excess Layer 4
	  	 	11.327	% 

 of the liability in the layer(s) described in the attached Contract including the same corresponding proportional
participation of the Reinsurers’ additional obligations set forth within the layer(s) upon which the Reinsurer participates described above. 
 All
other Terms and Conditions detailed on the original fully executed Interests & Liabilities Agreement shall remain unchanged. 

  
  

			
	ARP-HCI-02-RPP-201-14	  	I&L Endorsement No. 1 – DAVI
		
	DOC: May 31, 2015	  	

 

 
  

 Signed in
                                , on this
             day of                     , 20__ 

DAVINCI REINSURANCE LTD. 

BY:                       
                                      

TITLE:                      
                                        

Signed in
                                , on this
             day of                     , 20__ 

HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC. 

TAMPA, FLORIDA 

BY:                       
                                      

TITLE:                      
                                        

  
  

			
	ARP-HCI-02-RPP-201-14	  	I&L Endorsement No. 1 – DAVI
		
	DOC: May 31, 2015	  	

 

 
  

 ENDORSEMENT NO. 1 

to the 
 INTERESTS AND
LIABILITIES AGREEMENT 
 attaching to, and forming part of, the 

MULTI-YEAR REINSTATEMENT PREMIUM PROTECTION REINSURANCE CONTRACT 

(hereinafter called the “Contract”) 

EFFECTIVE: JUNE 1, 2014 

issued to 
 HOMEOWNERS CHOICE
PROPERTY & CASUALTY INSURANCE COMPANY, INC. 
 TAMPA, FLORIDA 

(hereinafter called the “Reinsured”) 

by 
 RENAISSANCE REINSURANCE,
LTD. 
 (hereinafter called, with other participants, the “Reinsurer”) 

Effective June 1, 2015, the Interests & Liabilities Agreement of the above Reinsurer shall be amended as follows: 

Under the terms of this Contract the above Reinsurer agrees to assume severally and not jointly with other participants 

 

					
	 Contract Year 1
	  	Participation	 
	 Excess Layer 3
	  	 	16.250	% 
	 Excess Layer 4
	  	 	16.250	% 
		
	 Contract Year 2
	  	Participation	 
	 Excess Layer 3
	  	 	10.434	% 
	 Excess Layer 4
	  	 	11.327	% 

 of the liability in the layer(s) described in the attached Contract including the same corresponding proportional
participation of the Reinsurers’ additional obligations set forth within the layer(s) upon which the Reinsurer participates described above. 
 All
other Terms and Conditions detailed on the original fully executed Interests & Liabilities Agreement shall remain unchanged. 

  
  

			
	ARP-HCI-02-RPP-201-14	  	I&L Endorsement No. 1 – REN
		
	DOC: May 31, 2015	  	

 

 
  

 Signed in
                                , on this
             day of                     , 20__ 

RENAISSANCE REINSURANCE, LTD. 

BY:                       
                                      

TITLE:                      
                                        

Signed in
                                , on this
             day of                     , 20__ 

HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC. 

TAMPA, FLORIDA 

BY:                       
                                      

TITLE:                      
                                        

  
  

			
	ARP-HCI-02-RPP-201-14	  	I&L Endorsement No. 1 – REN
		
	DOC: May 31, 2015

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