Document:

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                                                                   Exhibit 10.27

                               COMMERCE INSURANCE
[CIC Logo]               The Commerce Insurance Company
                           Citation Insurance Company
          211 Main Street, Webster, Massachusetts 01570 (508) 943-9000
                       Members of The Commerce Group, Inc.

June 16, 1995

Mr. Earle B. Seeley, Pres.
AUTOMOBILE CLUB OF MERRIMACK VALLEY
155 Parker Street
Lawrence, MA  01842-0039

      RE: MASSACHUSETTS PERSONAL AUTOMOBILE GROUP MARKETING AGREEMENT

Dear Buzz:

This letter is to document and confirm the personal automobile group marketing
agreement between The Automobile Club of Merrimack Valley, herein after referred
to as AAA, and The Commerce Insurance Company. Relevant components of the
agreement include:

1.    Group Definition - All vehicles owned by members of AAA will be eligible
      for the group personal automobile program. Although separate negotiations
      will occur between Commerce and other AAA offices, it is our intent to
      offer a group program to all AAA members in Massachusetts. While Commerce
      will attempt to maintain consistency in the group products made available
      to the different AAA Chapters, it is recognized that differences may
      result from the underlying loss experience and marketing
      plans/requirements of each Chapter.

2.    Effective Date - All policies effective on or after 9/1/95.

3.    Marketing - All marketing will be performed exclusively by AAA.
      Commerce agents selected by AAA to participate in the servicing of the AAA
      group will not be permitted to advertise and/or market the AAA group
      marketing program, or to participate in and/or initiate the signing-up of
      new AAA members.(1)

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(1) [NB. Superseded prior to the date the registrant first filed this exhibit
with the Commission. By letter dated August 7, 1995, AAA Massachusetts/New
Hampshire, acting as licensee of The American Automobile Association
(Incorporated), authorized the registrant's independent agents participating in
the AAA group marketing program to use the AAA mark under limited
circumstances.]

                    COMMGRO COMPANIES . . .COME GROW WITH US

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Automobile Club of Merrimack Valley
June 16, 1995
Page 2

      AAA will initially market the group program to their entire membership
      list, by including marketing materials (including a list of all Commerce
      agents who are participating in the group program) in their September 1995
      Newsletter. * * * (2)

4.    AAA Group Marketing Service Network - The AAA Insurance Agency will
      continue servicing members of the AAA group, adding group insurance
      customers based upon their own desires and resource constraints, and
      assuring that every account written by the AAA Insurance Agency, Inc. is
      an active AAA member.

      The Commerce Insurance Company will assist AAA Insurance Agency in
      approaching other Commerce agents, both voluntary agents and ERP's, to
      determine their interest in participating in the servicing of the AAA
      group program. AAA will contract with all interested agents, assuring that
      such agents fully understand their rights and responsibilities (as
      documented within this proposal). To facilitate this process, Commerce
      will provide AAA with a list of selected voluntary agents and ERP's that
      may be good candidates for such a servicing network. Commerce will also
      provide AAA with a sample "sub-producer" agreement, which may provide a
      starting point for developing the final agreement between the AAA
      Insurance Agency and each of the interested/selected agents that will
      comprise the servicing network.

      The final decision, regarding which agents will comprise the service
      network, will be AAA's. However, AAA agrees to provide the program to both
      voluntary agents and ERP's, in order to assure that the ratio of voluntary
      agent to ERP business produced by the AAA group program is approximately
      the same as is produced by non-group programs industrywide (i.e. about 1
      ERP unit for every 2 voluntary agent units). In addition, AAA agrees to
      resolve any instances where a participating agent appears to be abusing
      the program. Commerce will provide AAA with the on-going statistical
      information necessary to effect both of these conditions.

5.    Group Deviation - A 10% deviation from the Commissioner's base rates will
      be filed effective 9/1/95.(3) The deviation will apply to all private
      passenger vehicle types, including private passenger motorcycles and
      miscellaneous classes. The deviation will be off the "net" (of SDIP
      credits or surcharges) premium.(4)

      It is the Commerce's good faith intent to again file a 10% deviation for
      policies effective 1/1/96. However, it is recognized that a modification
      (in the deviation and/or the level of agency participation in the
      deviation) may be required, if a

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(2)   [NB. Omitted text waived by agreement of the parties prior to the date the
registrant first filed this exhibit with the Commission and no longer is
operative.]
(3)   [NB. Superseded prior to the date this exhibit was first filed with the
Commission.]
(4)   [NB. Sentence superseded prior to the date this exhibit was first filed
with the Commission.]

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Automobile Club of Merrimack Valley
June 16, 1995
Page 3

      significant rate decrease is approved by the Commissioner for 1/1/96, or
      early results of the program indicates that it is attracting an
      unacceptable customer profile.

6.    AAA Insurance Agency Participation in the Deviation - * * * (5)

7.    Participation of Agents in the Servicing Network - Agents in the servicing
      network will receive a 10.0% commission for 1995 effective date business
      written through the AAA group program. * * *(6)

8.    AAA Insurance Agency Override Commission - * * *(7) The override
      commission for 1996 and later policy years will be established after the
      Commissioner establishes the commission level for the particular year.
      However, the AAA override commission will be a minimum of 1 point each
      year.

9.    Ownership of Renewals - Agents in the servicing network will maintain
      ownership of any AAA group accounts written/serviced through their agency.

10.   Profit Sharing

      A)    [RESERVED]

      B)    AAA Insurance Agency, Inc. will be subject to two separate and
            distinct profit sharing calculations, and the results of the
            calculation will not be netted together.

            First, business produced directly by the AAA Insurance Agency, Inc.
            will continue to be treated as a separate entity for profit sharing,
            as it is today. Second, all AAA business written by agents in the
            servicing network will be aggregated and subjected to a separate and
            distinct profit sharing calculation. The AAA Insurance Agency, Inc.
            will receive 50% of any profit resulting from this profit sharing
            calculation, but any loss will not be used to reduce the profit
            sharing calculation applied to business written directly by the AAA
            Insurance Agency, Inc.

            It is Commerce's intent to use our standard Profit Sharing Plan (for
            business written by the servicing network agents). However, further
            technical research on the best approach needs to be conducted, as
            there are

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(5)   [NB. Omitted text was superseded by related Service Agreement prior to the
date the registrant first filed this exhibit with the Commission.]
(6)   [Omitted text was was superseded by related Service Agreement prior to the
date the registrant first filed this exhibit with the Commission.]
(7)   [NB. Superseded, prior to the date the registrant first filed this exhibit
with the Commission, by the annual addendum to the Agency Agreement between
Commerce and AAA, which Agency Agreement is the standard form of agreement that
Commerce enters into with each of its voluntary agents in Massachusetts.]

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Automobile Club of Merrimack Valley
June 16, 1995
Page 4

            a number of conditions/provisions in our standard plan that would
            need to be waived/adjusted. Accordingly, it may be appropriate to
            develop a separate/unique Profit Sharing Plan for this servicing
            network agent business. The results of our analysis will be shared
            with you as soon as they become available, so that the details of
            the AAA servicing network agent Profit Sharing Plan can be finalized
            in the near future.

11.   Billing Options/Programs - All AAA group business written by the servicing
      network agents must be 100% direct bill (although the agents may be
      eligible to utilize EFT for non-AAA group business written by their
      agency).

12.   Operational Issues:

      A)    Separate agent codes will be assigned to every agent who elects to
            participate in the AAA group servicing network. This will facilitate
            access to the results of the group program, for filing of subsequent
            rate deviations, for commissioning, and for the profit sharing and
            billing options noted above.

      B)    Verification of AAA membership:

            1)    New Business Effective 9/1/95 and later, must contain the 7
                  digit AAA membership number(s) of the vehicle owner(s). To
                  facilitate tracking and verification of the AAA discount,
                  ISI's and Commerce's internal systems will be updated to allow
                  the entry and maintenance of the membership number. In
                  addition, ISI will be asked to develop a mechanism for this
                  membership number to be entered through VISION.

                  Note that all business written by agents in the servicing
                  network will fall into this new business category, as their
                  existing AAA members will need to be cancelled and re-written
                  (from the agent's prior code number, to the specially-assigned
                  AAA group code number) for the discount to apply. The Commerce
                  will, however, let such renewal business be transferred to the
                  AAA servicing account code with a 20% renewal down payment.

                  Systems will need to be designed to automatically validate
                  membership (and/or identify instances where membership cannot
                  be validated). While validation at the time of new business
                  processing would be optimum, after-the-fact validation of
                  membership (within 30 days after processing) is also
                  acceptable. AAA agrees to make their membership file available
                  to the

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Automobile Club of Merrimack Valley
June 16, 1995
Page 5

                  Commerce for this function, either by remote access or by
                  periodic transmissions of the membership file to the Commerce.

                  Underwriting Department personnel will be in contact with AAA,
                  so that the details relative to these system issues can be
                  defined, once this proposal is finalized.

            2)    Renewal policies written by the AAA Insurance Agency effective
                  9/1/95 and later, will be considered to be owned by active AAA
                  members. In order to support a pre-renewal membership
                  re-validation process, Commerce will work with AAA (and the
                  AAA membership file) to enter the AAA membership number(s)
                  onto every policy. The details and timeframes for this process
                  will be worked out subsequent to the agreement to this
                  proposal, with all vehicles on renewal policies written by AAA
                  Insurance Agency, Inc. considered eligible for the discount
                  until an automated verification system can be created and
                  implemented.

13.   AAA Endorsement of Commerce as Their Sole Massachusetts Personal
      Automobile Carrier - The Automobile Club of Merrimack Valley agrees to
      endorse Commerce Insurance Company as the sole underwriter of their
      Massachusetts personal automobile group marketing insurance program(s),
      for a period of 3 years, commencing on September 1, 1995. This exclusive
      endorsement of Commerce by AAA will be a "rolling" 3 year agreement,
      whereby the endorsement will apply to the 3 years subsequent to each
      September 1st, unless AAA advises Commerce in writing prior to September
      1st of the particular year of their desire to not extend the endorsement
      for another 3 years.

Please sign and return this letter as confirmation of your agreement to this
Massachusetts personal automobile group marketing program and the associated
exclusive endorsement by AAA of Commerce Insurance Company as the sole
underwriter of the AAA group marketing program.

If you have any questions, please advise.

Very truly yours,

Gerald Fels,
Executive Vice President
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Automobile Club of Merrimack Valley
June 16, 1995
Page 6

   CC: Arthur Remillard, Jr.

                                         AUTOMOBILE CLUB OF MERRIMACK VALLEY

                                         By:    Earle B. Seeley, Pres., CEO

                                         Title: ______________________________

                                         Signature: __________________________
                                                                        (Date)<PAGE>
                                                                   Exhibit 10.28

                                SERVICE AGREEMENT

      This Agreement is made between The Commerce Insurance Company,
headquartered at 211 Main Street, Webster, MA 01570 ("Commerce"), and Automobile
Club Insurance Agency, Inc., headquartered at 155 Parker Street, Lawrence, MA
01842 ("ACIA").

WHEREAS ACIA shall make available to members of Automobile Club of Merrimack
Valley, a member of the American Automobile Association ("AAA"), a Personal
Automobile Group Marketing Rate Deviation Program (the "AAA Program");

WHEREAS the AAA Program will be available exclusively on policies underwritten
by Commerce;

WHEREAS certain independent agents and brokers and Commerce will be able to
access the AAA program on behalf of AAA members by entering into a Participation
Agreement with ACIA;

WHEREAS these independent agents and brokers of Commerce which sign a
Participation Agreement with ACIA shall be known as Servicing Network Agent(s);

NOW, THEREFORE, in consideration of the foregoing and the mutual promises and
undertakings contained herein, the parties agree as follows:

Service Provided

      Commerce agrees to provide to ACIA, the following services for all AAA
Program policies underwritten by Commerce:

1.    Policy Production - Commerce will distribute, or cause to be distributed,
all policies, endorsements, cancellations and related materials directly to the
Servicing Network Agents.

2.    Information Access - Commerce will undertake a new programming effort so
as to provide to all Servicing Network Agents, software to access to billing and
claim information for AAA Program policies.

3.    Calculation and Payments - Commerce will calculate amounts due from ACIA
to the Servicing Network Agents as governed by the Participation Agreement
between Servicing Network Agents and ACIA. Commerce, as designee of ACIA, shall
make payment of any amounts due, directly to the Service Network Agents and
reconcile commissions with the Service Network Agents.

4.    Tax Information - Commerce shall maintain required tax information and
records, and prepare for submission to the Internal Revenue Service all
necessary tax documents pertaining to commission.

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5.    Telemarketing Service - Commerce will establish and maintain an inbound
telemarketing service so as to assist qualified AAA members in locating a
Servicing Network Agent.

6.    Agent Contact - Commerce will act as a liaison between ACIA and
independent agents and brokers of Commerce so as to provide these independent
agents and brokers and ACIA the opportunity to enter into a Participation
Agreement.

7.    Marketing - Commerce will provide certain underwriting information to ACIA
to facilitate marketing of the AAA Program to potential insureds.

8.    Conversion of Existing Policies; Direct Bill - Upon receipt of the
appropriate information and validation, Commerce shall convert existing eligible
policies into the AAA Program and, where appropriate, shall convert all AAA
Program policies from "Agency Bill" to "Direct Bill".

9.    Membership Verification - Commerce will verify the AAA membership status
of each applicant and participation in the AAA Program, both upon application
and at renewal, to ensure the continued eligibility of each applicant and
participant.

10.   Record Keeping and Reporting - Commerce shall, in accordance with industry
custom, maintain required records of policies placed in the AAA Program by a
Servicing Network Agent and will, upon request, provide ACIA an ongoing
summarized analysis of each Servicing Network Agent's business placed in the AAA
Program. Commerce shall also assemble, prepare and maintain information and
provide actuarial support for the purposes of validation and filing for
subsequent rate deviations, all as required by the Massachusetts Division of
Insurance.

11.   Indemnification - Commerce shall exonerate, indemnify and hold harmless
ACIA from and against all losses, expenses and costs related to certain actions
arising out of the AAA Program.

Service Fee

      In exchange for the aforementioned services provided by Commerce, ACIA
will pay to Commerce a monthly fee (the "Service Fee"). For the remainder of
1995, this service Fee shall be equal to * * *%(1) of the written premiums on
each AAA Program policy, whether produced by any Servicing Network Agent or
ACIA. For calendar years 1996 and beyond, ACIA and Commerce agree to renegotiate
the Service Fee.

Term and Termination

      This Agreement shall remain in effect for as long as the AAA Program is
maintained and Commerce remains the sole underwriter of the AAA Program.

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      (1) [NB. Superseded by the accompanying Addendum prior to the date the
registrant first filed this exhibit with the Commission.]

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Waiver

      No party shall be deemed to have waived any right hereunder unless such
waiver is in writing. No delay or omission on the part of either party in
exercising any right shall operate as a waiver or bar of such right or any other
right. A waiver on any one occasion shall not be construed as a bar or waiver of
the waived right or any right on any future occasion.

Assignment

      This Agreement may not be assigned by either party.

Automatic Compliance

      To the extent that any provisions of this Agreement are, or may be, in
conflict with any applicable statute or regulation, such provisions of the
Agreement shall be deemed to be amended to conform to the requirements of such
statute or regulation.

Headings and Counterparts

      The headings contained in this Agreement are included for purposes of
convenience only and shall not affect the construction or interpretation of any
of its provisions.

      This Agreement may be executed simultaneously, in separate counterparts
each of which shall be deemed an original, but all of which together shall
constitute one and the same instrument.

Severability

      The invalidity or unenforceability of any particular provision of this
Agreement shall not affect the other provisions hereof, and such provision shall
be carried out as nearly as possible according to its original terms and intent.

Entire Agreement and Amendment

      This instrument contains the entire understanding of the service agreement
between the two parties and no statements, promises or inducements made by any
party hereto, or agent of either party hereto, which is not contained in this
written contract, shall be valid or binding.

      This Agreement may not be enlarged, modified or altered except by a
written instrument signed by the parties thereto.

Effective Date

      This Agreement supersedes all previous agreements, on the same subject
matter, whether written or oral, between Commerce and ACIA and

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      (1) shall be effective 9/1/95; and
      (2) shall continue in full force and effect until altered, amended,
suspended or terminated.

      IN WITNESS WHEREOF, Automobile Club Insurance Agency, Inc. and The
Commerce Insurance Company have caused this Agreement to be executed this 1st
day of September, 1995.

Automobile Club Insurance Agency, Inc.          The Commerce Insurance Company

BY:                                             BY:
   -----------------------------                   -----------------------------

TITLE:     President/CEO                        TITLE:
      --------------------------                      --------------------------

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                        ADDENDUM TO THE SERVICE AGREEMENT

This Addendum is incorporated into and shall constitute part of the Service
Agreement dated August 11, 1995 by and between The Commerce Insurance Company
and the AAA Insurance Agency, Inc.

It is hereby understood and agreed that:

The Service Fee shall be equal to 1.0% of the written premiums on each AAA
Program policy with a 2003 effective date produced by any Servicing Network
Agent.

No Service Fee will be paid for AAA Program policies with 2003 effective dates
produced by the AAA Insurance Agency, Inc.

Accepted this 14th date of February, 2003 and shall be effective January 1,
2003.

The Commerce Insurance Company

The Citation Insurance Company                  AAA Insurance Agency, Inc.

By:                                             By:
   -----------------------------                   -----------------------------
      Peter Dignan
      Senior Vice President

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