Document:

Amendment No.1 to 364-Day Bridge, dated as of October 31, 2008.

 Exhibit 10.6 
 EXECUTION COPY 
 AMENDMENT NO. 1 TO THE 
 364-DAY BRIDGE LOAN AGREEMENT 
 THIS
AMENDMENT NO. 1, dated as of October 31, 2008 (this “Amendment”) by and among ALTRIA GROUP, INC., as borrower (“Altria”), the Lenders party hereto and GOLDMAN SACHS CREDIT PARTNERS L.P. (“Goldman
Sachs”) and J.P. MORGAN SECURITIES INC. (“JPMorgan”), as joint lead arrangers and joint bookrunners, is an amendment to that certain US$4,000,000,000 364-Day Bridge Loan Agreement, dated as of January 28, 2008 (the
“Bridge Loan Agreement”), by and among Altria, the Lenders party thereto, GOLDMAN SACHS and LEHMAN COMMERCIAL PAPER INC., as administrative agents (the “Administrative Agents”), JPMORGAN CHASE BANK, N.A. and
CITIBANK, N.A., as syndication agents (the “Syndication Agents”) and CREDIT SUISSE, CAYMAN ISLANDS BRANCH and DEUTSCHE BANK SECURITIES INC., as arrangers and documentation agents (the “Arrangers and Documentation
Agents”). 
 W I T N E S S E T H 
 WHEREAS, Altria has requested certain amendments to the Bridge Loan Agreement; and 
 WHEREAS,
the Lenders party to this Amendment have agreed to amend the Bridge Loan Agreement in accordance with the terms and subject to the conditions set forth herein. 
 NOW, THEREFORE, the parties hereto agree as follows: 
 SECTION 1. Defined Terms. 

For the purposes of this Amendment, all capitalized terms used but not otherwise defined herein shall have the respective meanings assigned to such
terms in the Bridge Loan Agreement. 
 SECTION 2. Amendment to Section 1.01. 
 Section 1.01 of the Bridge Loan Agreement (Certain Defined Terms) shall be amended as follows: 
 (a) The following definitions shall be added in alphabetical order: 
 “Amendment No. 1” means the Amendment No. 1 dated as of October 31, 2008 to this Agreement by and among Altria, the Lenders party thereto and the other parties thereto. 
 “Asset Sale” means the sale, transfer, license, lease or other disposition of any property by any Person, including any sale and
leaseback transaction and any sale of capital stock (other than any issuance by such Person of its own capital stock), but excluding: 
 (a)
the sale, transfer, license, lease or other disposition (collectively, “Transfers”) of inventory, plants, equipment and other property (including 

 
cash and cash equivalents) in the ordinary course of business or disclosed prior to the date of Amendment No. 1 in Altria’s or any of its
Subsidiaries’ publicly-available filings with the Securities and Exchange Commission, and 
 (b) any Transfer that results in Net Cash
Proceeds of less than $100,000,000 per Transfer or related or series of Transfers and that, together with all other Transfers during the same fiscal year excluded under this clause (b) results in Net Cash Proceeds of not greater than
$250,000,000. 
 “Consenting Lenders” means the Lenders party to Amendment No. 1, and their successors and permitted
assigns. 
 “Extension Notice” has the meaning specified in Section 2.09(c). 
 “Fees” means the fees payable by Altria pursuant to Sections 2.08 and 2.09(c). 
 “Net Cash Proceeds” means: 
 (a) with respect to any Asset Sale (i) all cash proceeds actually paid to or actually received by Altria or one or more of its Subsidiaries to the extent that Altria has the ability to compel the distribution or transfer of such cash
proceeds from such Subsidiary to Altria or one of Altria’s wholly-owned Subsidiaries, in respect of such Asset Sale (including any cash proceeds received as income or other proceeds from any non-cash proceeds of any Asset Sale as and when
received), 
 less, without duplication and only to the extent not already deducted in arriving at the amount referred to in clause
(i) above, (ii) the sum of (A) the amount, if any, of all taxes (other than income taxes) and all income taxes (as estimated in good faith by a senior financial or senior accounting officer of Altria giving effect to the overall tax
position of Altria and its Subsidiaries), and customary fees, brokerage fees, commissions, costs and other expenses, that are incurred in connection with such Asset Sale and are payable by Altria or one or more of its Subsidiaries, 
 (B) appropriate amounts that must be set aside as a reserve in accordance with accounting principles generally accepted in the United
States of America against any liabilities reasonably estimated to be payable and associated with such Asset Sale, and 
 (C)
any payments to be made by Altria or one or more of its Subsidiaries as agreed between Altria or such Subsidiaries, as applicable, and the purchaser of any assets subject to an Asset Sale in connection therewith, and 
  

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 (b) with respect to any Capital Markets Financing Transaction, all cash proceeds received by Altria in
respect of such Capital Markets Financing Transaction (including cash proceeds as and when subsequently received at any time in respect of such Capital Markets Financing Transaction from non-cash consideration initially received or otherwise),

 less underwriting discounts and commissions or placement fees, investment banking fees, legal fees, consulting fees, accounting fees
and other customary fees and expenses directly incurred by Altria or one or more of its wholly-owned Subsidiaries, as applicable, in connection therewith. 
 “Non-Consenting Lender” means any Lender other than a Consenting Lender and its successors and permitted assigns. 
 (b) (i) The definition of “Applicable Interest Rate Margin” shall be deleted in its entirety and replaced with the following: 
 “Applicable Interest Rate Margin” means (i) the Consenting Lender Applicable Interest Rate Margin with respect to Advances made by a Consenting Lender or (ii) the Non-Consenting Lender
Applicable Interest Rate Margin with respect to Advances made by a Non-Consenting Lender, as applicable. 
 (ii) The following definitions
shall be added in alphabetical order: 
 “Acquisition Closing Date” means the date on which Altria’s acquisition of UST
Inc. is consummated. 
 “Applicable Commitment Fee Rate” means, for any day a percentage per annum equal to the percentage
per annum set forth below determined by reference to the lower of (i) the rating of Altria’s long-term senior unsecured debt from Standard & Poor’s and (ii) the rating of Altria’s long-term senior unsecured debt
from Moody’s, in each case in effect for such day: 
  

				
	 Rating
	  	Applicable
Commitment
Fee Rate	 
	 A-/A3 or higher
	  	0.1000	%
	 Lower than A-/A3 and BBB/Baa2 or higher (but, if BBB/Baa2, not on negative watch)
	  	0.1500	%
	 BBB-/Baa3 or lower, or BBB/Baa2 and on negative watch
	  	0.3500	%

  

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 “Base Rate Interest” has the meaning specified in Section 2.04(a)(i). 

“Consenting Lender Applicable Interest Rate Margin” means for any Advance for the period specified below during which such Advance
remains outstanding a percentage per annum equal to the percentage set forth below determined by reference to the lower of (i) the rating of Altria’s long-term senior unsecured debt from Standard & Poor’s and (ii) the
rating of Altria’s long-term senior unsecured debt from Moody’s, in each case in effect from time to time during such period: 
  

																									
	 Rating
	  	Consenting Lenders
Applicable Interest
Rate Margin – LIBO Rate Advances	 	 	Consenting Lenders
Applicable Interest
Rate Margin – Base Rate Advances	 
	 	  	Number of Days After Acquisition Closing Date	 	 	Number of Days After Acquisition Closing Date	 
	 	  	(1-90
days)	 	 	(91-180
days)	 	 	(181-270
days)	 	 	(271-364
days)	 	 	(1-90
days)	 	 	(91-180
days)	 	 	(181-270
days)	 	 	(271-364
days)	 
	 A-/A3 or higher
	  	1.7500	%	 	2.0000	%	 	2.2500	%	 	2.5000	%	 	0.7500	%	 	1.0000	%	 	1.2500	%	 	1.5000	%
	 Lower than A-/A3 and BBB/Baa2 or higher (but, if BBB/Baa2, not on negative watch)
	  	2.2500	%	 	2.5000	%	 	2.7500	%	 	3.0000	%	 	1.2500	%	 	1.5000	%	 	1.7500	%	 	2.0000	%
	 BBB-/Baa3 or lower, or BBB/Baa2 and on negative watch
	  	2.7500	%	 	3.0000	%	 	3.2500	%	 	3.5000	%	 	1.7500	%	 	2.0000	%	 	2.2500	%	 	2.5000	%

 provided that the Consenting Lender Applicable Interest Rate Margin at any ratings level
and for any period shall in no event be lower than the Applicable Interest Rate Margin (as defined in the Term Bridge Loan Agreement as in effect on the date of the Term Bridge Facility Closing) for the corresponding ratings level and period.

 “LIBO Rate Interest” has the meaning specified in Section 2.04(a)(ii). 
 “Non-Consenting Lender Applicable Interest Rate Margin” means a percentage equal to 0.4500% for LIBO Rate Advances and 0% for Base Rate
Advances. 
 “Term Bridge Facility Closing” means the effective date of the Term Bridge Loan Agreement. 
 “Term Bridge Loan Agreement” means the 364-day term bridge loan agreement to be entered into by Altria, the lenders party thereto and
JPMorgan Chase Bank, N.A. and Goldman Sachs Credit Partners L.P., as administrative agents, in connection with Altria’s acquisition of UST Inc. 
  

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 (c) The definition of “Termination Date” shall be deleted in its entirety and replaced with the
following: 
 “Termination Date” means the earlier of (a) January 26, 2009 (or such later date to which the
Termination Date may be extended pursuant to Section 2.09(c) solely with respect to the Consenting Lenders) and (b) the date of termination in whole of the Commitments pursuant to Section 2.09 or 6.02. 
 SECTION 3. Amendment to Section 2.04. 
 Section 2.04(a) of the Bridge Loan Agreement (Interest on Advances) shall be amended by deleting such subsection in its entirety and replacing it with the following: 
  

	 	(a)	Scheduled Interest. Altria shall pay interest on the unpaid principal amount of each Advance to each Lender from the date of such Advance until such principal amount shall be
paid in full, at the following rates per annum: 

 (i)
Base Rate Advances. During such periods as such Advance is a Base Rate Advance, a rate per annum equal at all times to the sum of (x) the Base Rate in effect from time to time plus (y) the Applicable Interest Rate Margin (the
sum of (x) and (y), the “Base Rate Interest”), payable in arrears monthly on the 20th day of each month and on the date such
Base Rate Advance shall be Converted or paid in full; provided that on any day that Base Rate Advances made by a Consenting Lender are outstanding, the Base Rate Interest payable on such Advances shall be no less than the LIBO Rate Interest
that would be payable on such day for a LIBO Rate Advance made by a Consenting Lender with a one month interest period that would commence on such day. 
 (ii) LIBO Rate Advances. During such periods as such Advance is a LIBO Rate Advance, a rate per annum equal at all times during each Interest Period for such Advance to the sum of (x) the LIBO Rate for
such Interest Period for such Advance plus (y) the Applicable Interest Rate Margin (the sum of (x) and (y), the “LIBO Rate Interest”), payable in arrears on the last day of such Interest Period and, if such Interest
Period has a duration of more than three months, on each day that occurs during such Interest Period every three months from the first day of such Interest Period, and on the date such LIBO Rate Advance shall be Converted or paid in full.

  

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 SECTION 4. Amendment to Section 2.08. 
 Section 2.08 of the Bridge Loan Agreement (Facility Fee) shall be amended by deleting such section in its entirety and replacing it with the
following: 
 2.08. Fees. Altria agrees to pay the following fees to the following Persons: 
  

	 	(a)	Facility Fee: to Goldman Sachs, as Administrative Agent, for the account of each Non-Consenting Lender a facility fee on the aggregate amount of such Non-Consenting
Lender’s Commitment, such fee to accrue until the Termination Date at the Applicable Facility Fee Rate, in each case payable on the last day of each March, June, September and December until the Termination Date and on the Termination Date; and

  

	 	(b)	Commitment Fee: to Goldman Sachs, as Administrative Agent, for the account of each Consenting Lender a commitment fee on the daily undrawn portion of such Consenting
Lender’s Commitment, such fee to accrue from the date of the Term Bridge Facility Closing until the Termination Date at the Applicable Commitment Fee Rate, in each case payable on the last day of each March, June, September and December until
the Termination Date and on the Termination Date. 

 SECTION 5. Amendment to Section 2.09. 
 Section 2.09 of the Bridge Loan Agreement (Termination or Reduction of the Commitments) shall be amended by deleting subsection (b) in its
entirety and replacing it with new subsection (b) below and inserting subsection (c) below immediately following subsection (b) of that section: 
  

	 	(b)	 Mandatory Reduction of the Commitments. In the event that there shall be a Capital Markets Financing Transaction, Asset Sale or borrowing under a Debt
Facility, Commitments shall be reduced in an aggregate amount equal to 100% of the Net Cash Proceeds, rounded to the nearest million (with $500,000 being rounded upward), of such Capital Markets Financing Transaction or Asset Sale or the aggregate
amount of such Debt Facility borrowing received by Altria or one of its Subsidiaries, on (i) the last day of the current Interest Period for LIBO Rate Advances that are prepaid pursuant to Section 2.10(b) (but in any event, no more than 60
days after the receipt by Altria or one of its Subsidiaries of such Net Cash Proceeds or Debt Facility borrowing), (ii) on the third Business Day following receipt by Altria or one of its Subsidiaries of such Net Cash Proceeds or Debt Facility
borrowings for Base Rate Advances that are prepaid pursuant to Section 2.10(b) and (iii) to the extent that the Commitments exceed the aggregate 

  

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principal amount of Advances outstanding, the next succeeding Business Day following receipt by Altria or one of its Subsidiaries of such Net Cash Proceeds
or Debt Facility borrowing. 

  

	 	(c)	Extension of Termination Date. (i) Altria may, by written notice (an “Extension Notice”) to Goldman Sachs, as Administrative Agent, which shall promptly
notify each Consenting Lender, not later than three Business Days prior to the Termination Date, extend the Termination Date solely with respect to such Consenting Lenders for an additional period of three months; provided that, on the date
of each Extension Notice and on the effective date of each such extension, (i) no event has occurred and is continuing that constitutes a Default or Event of Default and (ii) the representations contained in Section 4.01 (except the
representations set forth in the last sentence of subsection (e) and in subsection (f) thereof (other than clause (i) thereof)) are correct; and provided, further, that Altria may deliver no more than two Extension
Notices, so that the maximum time period the Termination Date may be extended pursuant to this Section 2.09(c) is six months past the original Termination Date. Upon the effectiveness of each extension provided for in this Section 2.09(c),
all terms of this Agreement shall remain in full force and effect solely with respect to each Consenting Lender. The provisions of Section 2.15 shall not be applicable to payments made to Non-Consenting Lenders on the Termination Date in
connection with the termination of their Commitments. Altria agrees that it will, upon the request of any Consenting Lender through Goldman Sachs, as Administrative Agent, issue a new Note in favor of such Consenting Lender reflecting the extended
maturity date, in exchange for the Note held by such Consenting Lender, which shall be promptly returned to Altria and marked “cancelled”. 

 (ii) Altria shall pay to Goldman Sachs, as Administrative Agent, for the account of each Consenting Lender, in the event of any three-month extension of the Termination Date by Altria pursuant to this
Section 2.09(c), 0.7500% of the aggregate amount of such Consenting Lender’s Commitment on the effective date of the first three-month extension, and 3.0000% of the aggregate amount of such Consenting Lender’s Commitment on the
effective date of the second three-month extension, in each case payable on such date. 
 SECTION 6. Amendment to Section 2.10.

 Section 2.10(b)(ii) of the Bridge Loan Agreement (Prepayments; Mandatory Prepayment) shall be amended by deleting such section in its
entirety and replacing it with the following: 
  

	 	(ii)	In the event that there shall be a Capital Markets Financing Transaction, Asset Sale or borrowing under a Debt Facility, Altria shall repay outstanding Advances in an aggregate
amount equal to 100% of the Net Cash Proceeds, rounded to the nearest million (with $500,000 being rounded upward), of such Capital Markets Financing Transaction or Asset Sale or the aggregate amount of such Debt Facility borrowing received by
Altria or one of its Subsidiaries, (x) in the case of LIBO Rate Advances, on the last day of the current Interest Period for such Advances (but in any event, no more than 60 days after the receipt by Altria or one of its Subsidiaries of such
Net Cash Proceeds or Debt Facility borrowing) and (y) in the case of Base Rate Advances, on the third Business Day following receipt of by Altria or one of its Subsidiaries of such Net Cash Proceeds or Debt Facility borrowing.

  

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 SECTION 7. Amendment to Section 5.01(c)(i). 
 Section 5.01(c)(i) of the Bridge Loan Agreement (Maintenance of Ratio of Debt to EBITDA) shall be amended by deleting the ratio “2.5 to
1.0” and replacing it with “3.0 to 1.0”. 
 SECTION 8. Additional Amendments. 
 (a) All references to “facility fee” or “facility fees” in the Bridge Loan Agreement (other than in Section 2.08) shall be
replaced with “Fee” or “Fees”, as applicable. 
 (b) GSCP and J.P. Morgan Securities Inc. will act as the joint lead
arrangers and joint bookrunners for the credit facility established by the Bridge Loan Agreement. 
 (c) Lehman Commercial Paper Inc. is
hereby removed from its position as Administrative Agent and as a Reference Bank under the Bridge Loan Agreement. All references to “Administrative Agents” in the Bridge Loan Agreement shall be deemed to refer to Goldman Sachs as
Administrative Agent. 
 SECTION 9. Representations and Warranties of Altria. Altria represents and warrants to the Lenders as of the
date hereof and as of the Amendment Effective Date (as defined below) that: 
 (a) The execution, delivery and performance of this Amendment
are within Altria’s corporate powers, have been duly authorized by all necessary corporate action, and do not contravene (i) Altria’s charter or by-laws or (ii) in any material respect, any law, rule, regulation or order of any
court or governmental agency or any contractual restriction binding on or affecting it. 
 (b) No authorization or approval or other action
by, and no notice to or filing with, any governmental authority or regulatory body is required for the due execution, delivery and performance by Altria of this Amendment. 
  

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 (c) This Amendment is a legal, valid and binding obligation of Altria enforceable against Altria in
accordance with its terms, subject to the effect of any applicable bankruptcy, insolvency, fraudulent conveyance, reorganization, moratorium and other laws affecting creditors’ rights generally and subject, as to enforceability, to general
principles of equity (regardless of whether enforcement is sought in a proceeding in equity or at law) and an implied covenant of good faith and fair dealing. 
 (d) The representations and warranties contained in Section 4.01 of the Bridge Loan Agreement (except the representations set forth in the last sentence of subsection (e) and in subsection (f) thereof
(other than clause (i) thereof)) are correct as though made on and as of the date hereof and at and as of the Amendment Effective Date. 
 (e) No Default or Event of Default of has occurred and is continuing or will, at the Amendment Effective Date, have occurred and be continuing. 
 SECTION 10. Conditions to Effectiveness. This Amendment shall become effective upon the receipt by Goldman Sachs, as Administrative Agent, of (a) either (i) counterparts of this Amendment signed on
behalf of Altria and Lenders with aggregate Commitments of $3,000,000,000 or more or (ii) written evidence satisfactory to Goldman Sachs, as Administrative Agent, (which may include a telecopy transmission of an executed signature page of this
Amendment) that such parties have signed counterparts of this Amendment, (b) satisfactory opinions of counsel to Altria with respect to the transactions contemplated hereby and (c) such corporate resolutions, certificates and other
documentation from Altria as Goldman Sachs, as Administrative Agent, shall reasonably request; provided, however, that Sections 2(b), 3 and 4 of this Amendment shall become effective on the effective date of the 364-day term bridge
loan agreement to be entered into by Altria, the lenders party thereto and JPMorgan Chase Bank, N.A. and Goldman Sachs Credit Partners L.P., as administrative agents, in connection with Altria’s acquisition of UST Inc. (at which time Altria
agrees it will pay to the Lenders party to this Amendment all accrued but unpaid facility fees under the Bridge Loan Agreement). 
 SECTION
11. Consent Fees. In consideration of the execution of this Amendment, Altria shall pay to Goldman Sachs, as Administrative Agent, for the account of each Lender party hereto: 
 (a) within three Business Days of the date upon which the conditions to effectiveness set forth in Section 10 hereof have been satisfied (other than
the condition set forth in the proviso thereto) (such date, the “Amendment Effective Date”), 0.125% of the aggregate amount of such Lender’s Commitment on the Amendment Effective Date; and 
 (b) on the earlier of November 14, 2008 and the Closing Date (as such term is defined in the Commitment Letter), 0.125% of the aggregate amount of
such Lender’s Commitment on such date. 
 SECTION 12. Reference to and Effect on the Bridge Loan Agreement. 
 (a) On and after the Amendment Effective Date, the Bridge Loan Agreement shall be, and be deemed to be, modified and amended in accordance herewith and
the respective rights, limitations, obligations, duties, liabilities and immunities of Altria, the Lenders, the 

  

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Administrative Agents, the Syndication Agents and the Arrangers and Documentation Agents shall hereafter be determined, exercised and enforced subject in all
respects to such modifications and amendments, and all the terms and conditions of this Amendment shall be deemed to be part of the terms and conditions of the Bridge Loan Agreement for any and all purposes and shall be binding on each party to the
Bridge Loan Agreement; provided that the amendments set forth herein shall be binding on each Lender party to the Bridge Loan Agreement other than those amendments expressly applicable solely to the Lenders party to this Amendment. Except as
expressly modified and expressly amended by this Amendment, the Bridge Loan Agreement is in all respects ratified and confirmed, and all the terms, provisions and conditions thereof shall be and remain in full force and effect. 
 (b) On or after the Amendment Effective Date, each reference in the Bridge Loan Agreement to “this Agreement,” “hereunder,”
“hereof” or words of like import referring to the Bridge Loan Agreement shall, unless the context otherwise requires, mean and be a reference to the Bridge Loan Agreement, as amended by this Amendment. 
 (c) The execution, delivery and effectiveness of this Amendment shall not operate as a waiver of any right, power or remedy of any Lender under the
Bridge Loan Agreement nor constitute a waiver of any provision of the Bridge Loan Agreement. 
 SECTION 13. Governing Law. 

This Amendment shall be governed by, and construed in accordance with, the laws of the State of New York. 
 SECTION 14. Execution in Counterparts. 
 This Amendment may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed shall be deemed to be an original and all of which taken together shall constitute one and
the same agreement. Delivery of an executed counterpart of a signature page to this Amendment by telecopier or other electronic means shall be effective as delivery of a manually executed counterpart of this Amendment. 
 SECTION 15. Headings. The headings of this Amendment are for purposes of reference only and shall not limit or otherwise affect the meaning
hereof. 
 [Signature pages omitted.] 
  

 10Officers' Certificate

 Exhibit 4.4 
 Unitrin, Inc. 
 Officers’ Certificate 
 Eric J. Draut, Executive Vice President and Chief Financial Officer, and Scott Renwick, Secretary, of Unitrin, Inc., a Delaware corporation (the
“Company”), pursuant to Sections 2.01 and 14.06 of the Indenture, dated as of June 26, 2002 (the “Indenture”), between the Company and BNY Midwest Trust Company, as Trustee (the “Trustee”), each hereby certifies in
the name of the Company as follows: 
 There has been established, pursuant to the resolutions duly adopted by the Executive Committee of the
Board of Directors of the Company, a true, correct and complete copy of which resolutions certified by the Secretary of the Company are being separately delivered on the date hereof, a series of Securities (as that term is defined in the Indenture)
to be issued under the Indenture, which Securities shall be in the form attached hereto as Exhibit A with such terms and in such form as determined by or pursuant to such resolutions, as follows: 
 1. The title of the Securities shall be: “4.875% Senior Notes due November 1, 2010” (the “Notes”). 
 2. The aggregate principal amount of the Notes which may be authenticated and delivered under the Indenture (except for Notes authenticated and delivered
upon registration of, transfer of, or in exchange for, or in lieu of, other Notes pursuant to or as contemplated by Section 2.05, 2.06, 2.07, 3.03 or 9.04 of the Indenture) shall be $200,000,000. 
 3. The Stated Maturity of the Notes shall be November 1, 2010. 
 4. The Notes shall bear interest from October 30, 2003 or from the most recent Interest Payment Date (as defined below) to which interest has been paid or duly provided for, at the rate of 4.875% per annum,
payable semiannually on May 1 and November 1 of each year (each, an “Interest Payment Date”), commencing on May 1, 2004, to the persons in whose names the Notes are registered on the close of business on the immediately
preceding April 15 and October 15, respectively, whether or not such day is a business day (each, a “Regular Record Date”). 
 5. The principal of and interest on the Notes of such series shall be payable at the office or agency of the Company maintained for such purpose in the Borough of Manhattan, The City of New York, provided, however, that at the option of the
Company payment of interest may be made by check mailed to the address of the Person entitled thereto as such address shall appear in the Security Register for such series. 
 6. The Notes shall be redeemable, at the Company’s option, in whole at any time or in part from time to time, at a redemption price equal to accrued
and unpaid interest on the principal amount being redeemed to the redemption date plus the greater of (i) 100% of the principal amount of the Notes to be redeemed or (ii) the sum of the present values of the remaining scheduled payments of
principal and interest on the Notes to be redeemed (not including any portion of such payments of interest accrued to the date of 

 
redemption) discounted to the date of redemption on a semiannual basis (assuming a 360-day year consisting of twelve 30-day months) at the Adjusted Treasury
Rate, plus 20 basis points. 
 If the Company has given notice as provided in the Indenture and funds for the redemption of any Notes called for redemption
have been made available on the redemption date, those Notes will cease to bear interest on the date fixed for redemption. Thereafter, the only right of the holders of those Notes will be to receive payment of the redemption price. 
 The Company will give notice of any optional redemption to holders at their addresses, as shown in the security register, not more than 90 nor less than 30 days prior to
the date fixed for redemption. The notice of redemption will specify, among other items, the redemption price and the principal amount of the Notes held by such holder to be redeemed. 
 “Adjusted Treasury Rate” means, with respect to any date of redemption, the rate per year equal to the semiannual equivalent yield to maturity of the Comparable Treasury Issue, assuming a price for the
Comparable Treasury Issue (expressed as a percentage of its principal amount) equal to the Comparable Treasury Price for that date of redemption. 
 “Comparable Treasury Issue” means the United States Treasury security selected by the Quotation Agent as having a maturity comparable to the remaining term of the Notes to be redeemed that would be used, at the time of selection
and under customary financial practice, in pricing new issues of corporate debt securities of comparable maturity to the remaining term of the Notes. 
 “Comparable Treasury Price” means, with respect to any redemption date, the average of the Reference Treasury Dealer Quotations for the date of redemption, after excluding the highest and lowest Reference Treasury Dealer
Quotations, or if the Trustee obtains fewer than three Reference Treasury Dealer Quotations, the average of all Reference Treasury Dealer Quotations. 
 “Quotation Agent” means Banc One Capital Markets, Inc. or another Reference Treasury Dealer appointed by the Company. 
 “Reference
Treasury Dealer” means Banc One Capital Markets, Inc. and its successors and, at the Company’s option, other nationally recognized investment banking firms that are primary dealers of U.S. government securities in New York City. If any of
the foregoing ceases to be a primary dealer of U.S. government securities in New York City, the Company must substitute another primary dealer of U.S. government securities. 
 “Reference Treasury Dealer Quotations” means, with respect to each Reference Treasury Dealer and any date of redemption, the average, as determined by the Trustee, of the bid and asked prices for the
Comparable Treasury Issue (expressed in each case as a percentage of its principal amount) quoted in writing to the Trustee by the Reference Treasury Dealer at 5:00 p.m., New York City time, on the third business day before the date of redemption.

  

 2 

 7. The Notes shall not be entitled to any sinking fund. 
 8. The Notes will be issued in the form of a registered Global Security which will be deposited with, or on behalf of, The Depository Trust Company (“DTC”), as depositary, and registered in the name of DTC
or its nominee. Beneficial interests in the Global Security will be represented through book-entry accounts of financial institutions acting on behalf of beneficial owners as direct and indirect participants in DTC. Investors may elect to hold
interests in the Global Security through DTC, if they are participants of DTC, or indirectly through organizations which are participants in these systems. If an Event of Default has occurred with respect to the Notes and has not been cured or
waived, the Global Security shall be exchangeable for Notes in definitive registered form, in denominations of $1,000 and any integral, without coupons, and in an aggregate principal amount equal to the principal amount of the Global Security to be
exchanged. 
 9. Principal of and interest on the Notes shall be payable in U.S. dollars. 
 10. The Notes shall not be convertible into or exchangeable for shares of common stock, preferred stock or other securities or property of the Company. 
 11. The Bank of New York is hereby appointed as Paying Agent and Security Registrar for the Notes of such series. The Security Register for the Notes of such series will be maintained by the Security Registrar in the
Borough of Manhattan, The City of New York. 
  

	12.	The Notes shall constitute Global Securities as defined in the Indenture. 

 13. The Notes shall be sold to the Underwriters at a price equal to 99.105% of the principal amount thereof plus accrued interest, if any, from October 30, 2003. 
 14. In case of any conflict between this Certificate and the Notes in the form referred to above, the Notes shall control. 
 Each of the aforesaid officers further states pursuant to Sections 2.01 and 14.06 of such Indenture that he has read the provisions of such Indenture setting forth the conditions precedent to the issuance, authentication and delivery of the
Notes and the definitions relating thereto; that the statements made in this Certificate are based upon the examination of the provisions of such Indenture and upon the relevant books and records of the Company; that he has, in his opinion, made
such examination or investigation as is necessary to enable him to express an informed opinion as to whether or not the conditions for the issuance, authentication and delivery of the Notes have been complied with; and that, in his opinion, such
conditions have been complied with. 
 Capitalized terms defined in the Indenture and not otherwise defined herein have the respective
meanings provided for therein. 
  

 3 

 IN WITNESS WHEREOF, we have hereunto signed our names on behalf of the Company this 30th day of October,
2003. 
  

			
	UNITRIN, INC.
		
	By:	 	/s/ Eric J. Draut
	Name:	 	Eric J. Draut
	Title:	 	 Executive Vice President
 and Chief Financial Officer

	
		
	By:	 	/s/ Scott Renwick
	Name:	 	Scott Renwick
	Title:	 	Secretary

 [FORM OF 4.875% SENIOR NOTES DUE NOVEMBER 1, 2010] 
 THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR THE NOMINEE OF A
DEPOSITARY. UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY (“DTC”), A NEW YORK CORPORATION, TO UNITRIN, INC. OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN. 
 EXCEPT AS OTHERWISE PROVIDED IN SECTION 2.11 OF THE INDENTURE, THIS SECURITY MAY BE TRANSFERRED IN WHOLE, BUT NOT IN PART, ONLY TO ANOTHER NOMINEE OF DTC OR TO A
SUCCESSOR DEPOSITARY OR TO A NOMINEE OF SUCH SUCCESSOR DEPOSITARY. 
 UNITRIN, INC. 
 4.875% Senior Note Due November 1, 2010 
 CUSIP NO. 913275 AB 9 
  

			
	No.     	  	$[-]

 UNITRIN, INC., a corporation duly organized and existing under the laws of Delaware (herein called
the “Company”, which term includes any successor under the Indenture hereinafter referred to), for value received, hereby promises to pay to Cede & Co., or its registered assigns, the principal sum of [-] ($[-]) on
November 1, 2010, and to pay interest thereon from October 30, 2003 or from the most recent Interest Payment Date to which interest has been paid or duly provided for, semiannually on May 1 and November 1 in each year, commencing
on May 1, 2004 at the rate of 4.875% per annum, until the principal hereof is paid or made available for payment. The interest so payable, and punctually paid or duly provided for, on any Interest Payment Date will, as provided in the
Indenture hereinafter referred to, be paid to the Person in whose name this Security (or one or more Predecessor Securities) is registered at the close of business on the regular record date for such interest, which shall be the immediately
preceding April 15 or October 15 (whether or not a Business Day), as the case may be, next preceding such Interest Payment Date. Any such interest that is not so punctually paid or duly provided for will forthwith cease to be payable to
the holder on such regular record date and may either be paid to the Person in whose name this Security (or one or more Predecessor Securities) is registered at the close of business on a special record date for the payment 

 of such Defaulted Interest to be fixed by the Trustee which special record date shall not be more than 15 nor less than
10 days prior to the date of the proposed payment and not less than 10 days after receipt by the Trustee of the notice of proposed payment, notice of which shall be given to holders of Securities of this series less than 10 days prior to such
special record date, or be paid at any time in any other lawful manner not inconsistent with the requirements of any securities exchange on which the Securities of this series may be listed, and upon such notice as may be required by such exchange,
all as more fully provided in said Indenture. 
 Payments of interest on this Security will include interest accrued to but excluding the
respective Interest Payment Dates. Interest payments for this Security shall be computed and paid on the basis of a 360-day year consisting of twelve 30-day months. In the event that any date on which interest is payable on this Security is not a
Business Day, then payment of the interest payable on such date will be made on the next succeeding day that is a Business Day, with the same force and effect as if made on the date the payment was originally payable. 
 The Company shall maintain in the Borough of Manhattan, The City of New York, an office or agency where this Security may be surrendered for registration
of transfer or exchange and an office or agency where this Security may be presented for payment or for exchange. The Company has initially appointed The Bank of New York as its Security Registrar and Paying Agent. On the date hereof, the office of
the Security Registrar and Paying Agent is located at 101 Barclay Street, Floor 21 West, New York, New York 10286. The Company reserves the right at any time to vary or terminate the appointment of any Paying Agent or Security Registrar, to appoint
additional or other Paying Agents or other Security Registrars and to approve any change in the office through which any Paying Agent or Security Registrar acts. The principal of and interest on this Security shall be paid in such coin or currency
of the United States of America as at the time of payment is legal tender for payment of public and private debts. Payment of interest (including interest on an Interest Payment Date) will be made, subject to such surrender where applicable, at the
option of the Company, by check mailed to the address of the Person entitled thereto as such address shall appear in the Security Register. 
 The Senior Notes (as defined on the reverse hereof) will be senior unsecured obligations of the Company and will rank equally in right of payment with all of the other senior unsecured and unsubordinated indebtedness of the Company from
time to time outstanding. The Senior Notes will rank senior to any subordinated indebtedness of the Company. REFERENCE IS HEREBY MADE TO THE FURTHER PROVISIONS OF THIS SECURITY SET FORTH ON THE REVERSE HEREOF, WHICH FURTHER PROVISIONS SHALL FOR ALL
PURPOSES HAVE THE SAME EFFECT AS IF SET FORTH AT THIS PLACE. Unless the certificate of authentication hereon has been executed by the Trustee by manual signature, this Security shall not be entitled to any benefit under the Indenture or be valid or
obligatory for any purpose. 
  

 2 

 IN WITNESS WHEREOF, the Company has caused this instrument to be duly executed under its corporate seal.

 Dated: October [-], 2003 
  

			
	UNITRIN, INC.
		
	By:	 	 
	Name:	 	Eric J. Draut
	Title:	 	Executive Vice President

  

			
	Attest:
	
	 
	Name:	 	Scott Renwick
	Title:	 	Secretary

  
 [Seal of Unitrin, Inc.]

  
 Trustee’s Certificate Of Authentication 
 This is one of the Securities of the series 
 designated therein referred to

 in the within-mentioned Indenture. 
  

			
	 BNY MIDWEST TRUST COMPANY,
 as
Trustee

		
	By:	 	 
	Authorized Signatory

 (REVERSE SIDE OF NOTE) 
 This Security is one of a duly authorized issue of Senior Notes of the Company issued and issuable in one or more series under an Indenture dated as of June 26, 2002 (the “Indenture”; capitalized terms
used and not defined herein shall have the meaning ascribed to such terms in the Indenture), between the Company and BNY Midwest Trust Company, as Trustee (the “Trustee,” which term includes any successor trustee under the Indenture), to
which Indenture and all indentures incidental thereto reference is hereby made for a statement of the respective rights, limitations of rights, duties and immunities thereunder of the Company, the Trustee and the holders of the Senior Notes issued
thereunder and of the terms upon which said Senior Notes are, and are to be, authenticated and delivered. This Security is one of the series of Securities of the Company issued pursuant to the Indenture designated as 4.875% Senior Notes due
November 1, 2010 (the “Senior Notes”), limited in aggregate principal amount to $200,000,000; provided that the Company may, from time to time, without the consent of the holders of the Senior Notes, issue additional Securities under
the Indenture having the same terms as the Senior Notes in all respects, except for the issue date, issue price and the initial interest payment date, such that any such additional Securities will be consolidated and form a single series with the
Senior Notes. 
 Notes in Definitive Form 
 This Security is
exchangeable in whole or from time to time in part for Senior Notes of this series in definitive registered form only as provided herein and in the Indenture. If (1) at any time the Depositary notifies the Company that it is unwilling or unable
to continue as Depositary for this Security or if at any time the Depositary shall no longer be registered or in good standing under the Securities Exchange Act of 1934, as amended, or other applicable statute or regulation, and the Company does not
appoint a successor Depositary within 90 days after the Company receives such notice or becomes aware of such condition, as the case may be, (2) an Event of Default has occurred with regard to the Senior Notes represented by this Security and
has not been cured or waived or (3) the Company determines that this Security shall no longer be represented by a Global Security and executes and delivers to the Trustee an Officers’ Certificate evidencing such determination, this
Security shall be exchangeable for Senior Notes of this series in definitive registered form, provided that the definitive Senior Notes so issued in exchange for this Security shall be in denominations of $1,000 and any integral multiples, without
coupons, and in an aggregate principal amount equal to the principal amount of this Security to be exchanged. Except as provided above, owners of beneficial interests in this Security will not be entitled to have Senior Notes registered in their
names, will not receive or be entitled to physical delivery of Senior Notes in definitive registered form and will not be considered the holders thereof for any purpose under the Indenture. 
 Default 
 If an Event of Default with respect to the Senior Notes shall occur
and be continuing, the principal of the Senior Notes may be declared due and payable in the manner, with the effect and subject to the conditions provided in the Indenture. 

 Amendment and Modification 
 The Indenture permits, with certain exceptions as therein provided, the amendment thereof and the modification of the rights and obligations of the Company and the rights of the holders of the Senior Notes under the Indenture at any time by
the Company and the Trustee with the consent of the holders of not less than a majority in aggregate principal amount of the Senior Notes at the time Outstanding. The Indenture also permits the holders of specified percentages in principal amount of
the Senior Notes at the time Outstanding, on behalf of the holders of all Senior Notes, to waive compliance by the Company with certain provisions of the Indenture and certain past defaults under the Indenture and their consequences. Any such
consent or waiver by the holder of this Security shall be conclusive and binding upon such holder and upon all future holders of this Security and of any Senior Note issued upon the registration of transfer hereof or in exchange hereof or in lieu
hereof, whether or not notation of such consent or waiver is made upon this Security. 
 Optional Redemption of the Senior Notes 
 The Senior Notes will be redeemable, in whole at any time or in part from time to time, at the option of the Company (a “Redemption Date”), at a redemption
price (the “Redemption Price”) equal to accrued and unpaid interest on the principal amount being redeemed to the Redemption Date plus the greater of (1) 100% of the principal amount of the Senior Notes to be redeemed or (2) the
sum of the present values of the remaining scheduled payments of principal and interest on the Senior Notes to be redeemed (not including any portion of such payments of interest accrued to the Redemption Date) discounted to the Redemption Date on a
semiannual basis (assuming a 360-day year consisting of twelve 30-day months) at the Adjusted Treasury Rate, plus 20 basis points. 
 If the Company has
given notice as provided in the Indenture and funds for the redemption of the Senior Notes called for redemption have been made available on the Redemption Date, those Senior Notes will cease to bear interest on the Redemption Date. Thereafter, the
only right of the holders of those Senior Notes will be to receive payment of the Redemption Price. 
 The Company will give notice of any optional
redemption to holders of the Senior Notes at their addresses, as shown in the Security Register, not more than 90 nor less than 30 days prior to the Redemption Date. The notice of redemption will specify, among other items, the Redemption Price and
the principal amount of the Senior Notes held by such holder to be redeemed. 
 “Adjusted Treasury Rate” means, with respect to any Redemption
Date, the rate per year equal to the semiannual equivalent yield to maturity of the Comparable Treasury Issue, assuming a price for the Comparable Treasury Issue (expressed as a percentage of its principal amount) equal to the Comparable Treasury
Price for that Redemption Date. 
 “Comparable Treasury Issue” means the United States Treasury security selected by the Quotation Agent as having
a maturity comparable to the remaining term of the Senior Notes to be redeemed that would be used, at the time of selection and under customary financial practice, in pricing new issues of corporate debt securities of comparable maturity to the
remaining term of the Senior Notes. 
  

 2 

 “Comparable Treasury Price” means, with respect to any Redemption Date, the average of the Reference Treasury
Dealer Quotations for the Redemption Date, after excluding the highest and lowest Reference Treasury Dealer Quotations, or if the Trustee obtains fewer than three Reference Treasury Dealer Quotations, the average of all Reference Treasury Dealer
Quotations. 
 “Quotation Agent” means Banc One Capital Markets, Inc. or another Reference Treasury Dealer appointed by the Company. 
 “Reference Treasury Dealer” means Banc One Capital Markets, Inc. and its respective successors and, at our option, other nationally recognized investment
banking firms that are primary dealers of U.S. government securities in New York City. If any of the foregoing ceases to be a primary dealer of U.S. government securities in New York City, we must substitute another primary dealer of U.S. government
securities. 
 “Reference Treasury Dealer Quotations” means, with respect to each Reference Treasury Dealer and any Redemption Date, the average,
as determined by the Trustee, of the bid and asked prices for the Comparable Treasury Issue (expressed in each case as a percentage of its principal amount) quoted in writing to the Trustee by the Reference Treasury Dealer at 5:00 p.m., New York
City time, on the third business day before the Redemption Date. 
 If less than all of the Senior Notes are to be redeemed, the Company shall give the
Trustee at least 45 days advance notice of the Redemption Date as to the aggregate principal amount to be redeemed and the Trustee will select the Senior Notes or portions of Senior Notes to be redeemed by such method as the Trustee shall deem fair
and appropriate. The Trustee may select for redemption Senior Notes and portions of Senior Notes in amounts of whole multiples of $1,000. 
 Sinking Fund

 The Senior Notes will not be subject to any sinking fund. 
 Miscellaneous 
 No reference herein to the Indenture and no provision of this Security or of the Indenture shall alter or impair the obligation of
the Company, which is absolute and unconditional, to pay the principal of and interest on this Security at the time, place and rate, and in the coin or currency, herein and in the Indenture prescribed. 
 Any money that the Company deposits with the Trustee or any Paying Agent or that the Company holds in trust for the payment of principal or any interest on this Senior
Note that remains unclaimed for two years after the date upon which the principal and interest are due and payable, will be repaid to the Company on May 31 of each year or (if then held by the Company) discharged from the trust. After that
time, unless otherwise required by mandatory provisions of any unclaimed property law, the holder of this Security will be able to seek any payment to which such holder may be entitled to collect only from the Company. 
  

 3 

 As provided in the Indenture and subject to certain limitations therein set forth, the transfer of this Security is
registrable in the Security Register, upon surrender for transfer of this Security at the office or agency of the Company designated for such purpose, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the
Company or the Security Registrar and duly executed by, the holder hereof or his attorney duly authorized in writing, and thereupon one or more new Securities of the same series as the Security presented for a like aggregate amount, will be issued
to the designated transferee or transferees. No service charge shall be made for any such exchange or registration of transfer, but the Company will require payment of a sum sufficient to cover any tax or other governmental charge payable in
connection therewith. 
 Prior to due presentment of this Security for registration of transfer, the Company, the Trustee, any Paying Agent and the Security
Registrar may deem and treat the Person in whose name this Security is registered as the absolute owner hereof for all purposes, whether or not this Security be overdue and notwithstanding any notice of ownership or writing thereon made by anyone
other than the Security Registrar, and neither the Company nor the Trustee nor any Paying Agent nor the Security Registrar shall be affected by notice to the contrary. 
 The Senior Notes are issuable only in registered form without coupons in denominations of $1,000 and any integral multiple thereof. As provided in the Indenture and subject to certain limitations therein set forth,
Senior Notes are exchangeable for a like aggregate principal amount of Senior Notes of a different authorized denomination, as requested by the holder surrendering the same upon surrender of the Senior Note or Senior Notes to be exchanged at the
office or agency of the Company. 
 No recourse shall be had for payment of the principal of or interest on this Security, or for any claim based hereon, or
otherwise in respect hereof, or based on or in respect of the Indenture, against any incorporator, stockholder, officer or director, past, present or future, as such, of the Company or of any predecessor or successor corporation, whether by virtue
of any constitution, statute or rule of law, or by the enforcement of any assessment or penalty or otherwise, all such liability being, by the acceptance hereof and as part of the consideration for the issuance hereof, expressly waived and released.

 Unless the certificate of authentication hereon has been executed by the Trustee by manual signature, this Security shall not be entitled to any benefit
under the Indenture or be valid or obligatory for any purpose. 
 This Security shall be deemed to be a contract made under the internal laws of the State of
New York, and for all purposes shall be construed in accordance with the laws of the State of New York. 
  

 4

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