Document:

<PAGE>

                                                                    EXHIBIT 10.1

                      SEVENTH AMENDMENT TO CREDIT AGREEMENT

         THIS SEVENTH AMENDMENT TO CREDIT AGREEMENT, dated as of the 27th day of
June, 2003 (this "Amendment"), is made among SELECTIVE INSURANCE GROUP, INC., a
New Jersey corporation with its principal offices in Branchville, New Jersey
("Parent"), and SELECTIVE INSURANCE COMPANY OF AMERICA, a New Jersey corporation
with its principal offices in Branchville, New Jersey ("SICA," and collectively
with the Parent, the "Borrowers"), and WACHOVIA BANK, NATIONAL ASSOCIATION
(formerly known as First Union National Bank) ("Lender"). Capitalized terms used
but not defined herein shall have the meanings given to such terms in the Credit
Agreement referred to below, as amended by this Amendment. Unless otherwise
specified, section references herein refer to sections set forth in the Credit
Agreement, as amended by this Amendment.

                                    RECITALS

         A.       The Borrowers and the Lender are parties to a Credit
Agreement, dated as of October 22, 1999, as amended (the "Credit Agreement"),
providing for the availability of a revolving credit facility to the Borrower
upon the terms and conditions set forth therein.

         B.       The Borrower has requested an extension of the maturity of
such revolving credit facility, as more fully set forth herein, and the Lender
has agreed to such extension upon the terms and conditions set forth herein.

                             STATEMENT OF AGREEMENT

         NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto, for themselves
and their successors and assigns, agree as follows:

                                   ARTICLE II

                          AMENDMENT TO CREDIT AGREEMENT

         2.1      Section 1.1 is hereby amended by adding the following
definition thereto in appropriate alphabetical order:

         "        "Amendment Fee Letter" shall mean the letter from Wachovia to
         the Parent, dated June 26, 2003, relating to certain fees payable by
         the Borrower in respect of the transactions contemplated by the Seventh
         Amendment, as amended, modified or supplemented from time to time."

         "        "Seventh Amendment" shall mean the Seventh Amendment to Credit
         Agreement, dated as of June 27, 2003, among the Borrowers and the
         Lender, which amends this Agreement."

<PAGE>

         2.2      Section 1.1 is hereby further amended by replacing the
following definitions, as currently set forth therein, with the definitions as
set forth below:

         "        "Adjusted LIBOR Rate" shall mean, at any time with respect to
         any Loan, a rate per annum equal to the LIBOR Rate as in effect at such
         time plus 0.65% (65 basis points)."

         "        "Agreement" shall mean this Credit Agreement, as amended by
         the First Amendment, the Second Amendment, the Third Amendment, the
         Fourth Amendment, the Fifth Amendment, the Sixth Amendment, and the
         Seventh Amendment and as further amended, modified or supplemented from
         time to time."

         "        "Maturity Date" shall mean June 26, 2004 or such later date to
         which the Maturity Date may be extended pursuant to Section 2.18."

         2.3      Section 2.9(a) is hereby amended by replacing the reference
therein to "0.125%" with "0.14%."

         2.4      Section 2.18 is hereby amended by replacing the references
therein to "June 27, 2003" with "June 26, 2004."

         2.5      Section 9.5(a) is deleted in its entirety and is replaced with
the following:

         "        (a)   if to the Borrowers, to Selective Insurance Group, Inc.,
                  40 Wantage Avenue, Branchville, New Jersey 07890, Attention:
                  Dale A. Thatcher, Chief Financial Officer and Treasurer,
                  Telecopy No. (973) 948-0282, with a copy to Selective
                  Insurance Group, Inc. Attention: Richard W. Berstein, General
                  Counsel, Telecopy No. (973) 948-0282;

         2.6      Section 9.5(b) is deleted in its entirety and is replaced with
the following:

         "        (b)   if to the Lender, to it at the address set forth on its
         signature page to the Seventh Amendment;"

         2.7      Section 6.1 is hereby amended by replacing the reference
therein to "$365,000,000" with "$390,000,000."

         2.8      The Credit Agreement is further amended by adding the
following new Section 5.12 thereto:

         "5.12 Reciprocal Benefit. If the Borrowers shall agree to different or
         additional covenants, representations or defaults in connection with
         the Indebtedness referred to in clause (b) of Section 7.2(iii), the
         Borrowers shall give Lender prompt written notice of such different or
         additional covenants, representations, or defaults (enclosing a copy
         thereof), and Lender shall have the right (but not the obligation) to
         have any or all of such different or additional covenants,
         representations or defaults incorporated by reference into the Credit
         Agreement by written notice to the Borrowers specifying the particular
         covenants, representations and/or defaults to be incorporated by
         reference into the Credit Agreement."

                                       2

<PAGE>

                                   ARTICLE III

                                  EFFECTIVENESS

         This Amendment shall become effective on June 27, 2003 (the "Seventh
Amendment Effective Date"), provided that the following conditions shall have
been satisfied as of such date:

         3.1      Representations and Warranties; Officer's Certificate. The
following shall be true and the Lender shall have received a certificate, signed
by the president, chief executive officer or chief financial officer of each
Borrower, dated the Seventh Amendment Effective Date, in form and substance
satisfactory to the Lender, certifying that (i) each of the representations and
warranties of such Borrower contained in this Amendment, the Credit Agreement
and the other Credit Documents is true and correct on and as of the Seventh
Amendment Effective Date and after giving effect to this Amendment with the same
effect as if made on and as of such date (except to the extent any such
representation or warranty is expressly stated to have been made as of a
specific date, in which case such representation or warranty is true and correct
as of such date), and (ii) on and as of the Seventh Amendment Effective Date and
after giving effect to this Amendment, no Default or Event of Default has
occurred and is continuing.

         3.2      Amendment Fee. The Borrowers shall have paid to Wachovia the
unpaid amount of the fee described in the Amendment Fee Letter.

         3.3      Secretary's Certificates. With respect to each Borrower, the
Lender shall have received a certificate, signed by the secretary or an
assistant secretary of such Borrower, dated the Seventh Amendment Effective
Date, in form and substance satisfactory to the Lender, certifying that (i)
since October 22, 1999, there has been no amendment to the articles of
incorporation or bylaws of such Borrower (or, if and to the extent any of the
foregoing have been amended since such date, a statement to such effect,
attaching copies thereof), and (ii) attached thereto is a true and complete copy
of resolutions adopted by the board of directors of such Borrower authorizing
the execution, delivery and performance of this Amendment.

         3.4      Fees and Expenses. The Borrower shall have paid all fees and
expenses of the Lender required under the Credit Agreement to have been paid on
or prior to the Seventh Amendment Effective Date, including without limitation
the reasonable fees and expenses of counsel to the Lender.

         3.5      No Material Adverse Change. Since December 31, 2002, there
shall not have occurred any Material Adverse Change.

         3.6      Other Documents. The Lender shall have received such other
documents, certificates, opinions and instruments in connection with this
Amendment as it shall have reasonably requested.

                                   ARTICLE IV

                         REPRESENTATIONS AND WARRANTIES

         Each of the Borrowers hereby represents and warrants to the Lender
that, after giving effect to this Amendment:

                                       3

<PAGE>

         (a)      Each of the representations and warranties of such Borrower
contained in the Credit Agreement is true and correct on and as of the date
hereof with the same effect as if made on and as of the date hereof (except to
the extent any such representation or warranty is expressly stated to have been
made as of a specific date, in which case such representation or warranty is
true and correct as of such date).

         (b)      On and as of the Seventh Amendment Effective Date, no Default
or Event of Default has occurred and is continuing.

                                    ARTICLE V

                                     GENERAL

         5.1      Full Force and Effect. From and after the Seventh Amendment
Effective Date, all references to the Credit Agreement set forth in any other
Credit Document or other agreement or instrument shall, unless otherwise
specifically provided, be references to the Credit Agreement as amended by this
Amendment and as may be further amended, modified, restated or supplemented from
time to time. This Amendment is limited as specified and shall not constitute or
be deemed to constitute an amendment, modification or waiver of, or consent to
departure from, any provision of the Credit Agreement except as expressly set
forth herein. Except as expressly amended hereby, the Credit Agreement shall
remain in full force and effect in accordance with its terms.

         5.2      Governing Law. This Agreement shall be governed by and
construed in accordance with the laws of the State of New York, without regard
to principles of conflict of laws (excluding New York General Obligations Law
Section 5-1401).

         5.3      Counterparts. This Amendment may be executed in two or more
counterparts, each of which shall constitute an original, but all of which when
taken together shall constitute but one instrument.

         5.4      Construction. The headings of the various sections and
subsections of this Amendment have been inserted for convenience only and shall
not in any way affect the meaning or construction of any of the provisions
hereof.

         5.5      Severability. To the extent any provision of this Amendment is
prohibited by or invalid under the applicable law of any jurisdiction, such
provision shall be ineffective only to the extent of such prohibition or
invalidity and only in any such jurisdiction, without prohibiting or
invalidating such provision in any other jurisdiction or the remaining
provisions of this Amendment in any jurisdiction.

         5.6      Successors and Assigns. This Amendment shall be binding upon,
inure to the benefit of and be enforceable by the respective successors and
permitted assigns of the parties hereto.

                   [signatures appear on the following pages]

                                       4

<PAGE>

         IN WITNESS WHEREOF, each of the parties hereto has caused this
Amendment to be executed by its duly authorized officer as of the day and year
first above written.

                                SELECTIVE INSURANCE GROUP, INC.

                                By: /s/ Gregory E. Murphy
                                    --------------------------------------------

                                Name: Gregory E. Murphy

                                Title: Chairman and Chief Executive Officer

                                SELECTIVE INSURANCE COMPANY OF AMERICA

                                By: /s/ Gregory E. Murphy
                                    --------------------------------------------

                                Name: Gregory E. Murphy

                                Title: Chairman and Chief Executive Officer

                              (signatures continue)

                                SIGNATURE PAGE TO
                                SEVENTH AMENDMENT

<PAGE>

                                WACHOVIA BANK, NATIONAL ASSOCIATION
                                (formerly known as First Union National Bank)

                                By: /s/ Kimberly Shaffer
                                    --------------------------

                                Name: Kimberly Shaffer

                                Title: Director

                               SIGNATURE PAGE TO
                               SEVENTH AMENDMENT<PAGE>

Selective Insurance Company of America
Selective Insurance Group, Inc.
As of June 30, 2003
Page 29

                                                                    EXHIBIT 10.2

                                                        As of June 30, 2003

Selective Insurance Company of America
Selective Insurance Group, Inc.
40 Wantage Avenue
Branchville, NJ 07890-1000

         RE: Loan Facility

Ladies and Gentlemen:

         State Street Bank and Trust Company (the "Bank") has made available to
Selective Insurance Company of America, a corporation organized under the laws
of New Jersey (the "Company") and Selective Insurance Group, Inc., a corporation
organized under the laws of New Jersey (the "Parent") (collectively, the Company
and the Parent are hereinafter referred to as the "Borrower") an aggregate
$25,000,000 revolving line of credit (as decreased pursuant to the terms hereof,
the "Line of Credit") as described in a letter agreement dated March 3, 1997 (as
amended, the "Letter Agreement"). All obligations of the Borrower arising under
the Line of Credit are evidenced by a promissory note in the original principal
amount of $25,000,000 dated March 3, 1997 made by the Borrower to the order of
the Bank (as amended, the "Note").

         The Borrower has requested, and the Bank has agreed pursuant to the
terms hereof, to extend the Revolving Maturity Date, as defined in the Letter
Agreement, as set forth hereinbelow. The Borrower and the Bank have also agreed
to decrease the amount of the Line of Credit to $20,000,000 and to make certain
other amendments to the terms of the Letter Agreement and Note as set forth
hereinbelow. Therefore, for good and valuable consideration, the receipt of
which is hereby acknowledged, the Borrower and the Bank hereby agree as follows:

         I.       Amendments to Letter Agreement

         1.       The Letter Agreement is hereby amended by deleting the
following wherever it may appear: "$25,000,000" and substituting, in each
instance, the following therefor: "$20,000,000".

         2.       Section 1 of the Letter Agreement is hereby amended by
deleting the following therefrom: "June 30, 2003" and substituting the following
therefor: "June 28, 2004". All references to "Revolving Maturity Date" in the
Letter Agreement or any related document shall hereafter be deemed to refer to
June 28, 2004.

         3.       Section 4 of the Letter Agreement is hereby amended by
restating the first sentence thereof to read in its entirety as follows:

<PAGE>

Selective Insurance Company of America
Selective Insurance Group, Inc.
As of June 30, 2003
Page 30

         "Principal on each outstanding Revolving Loan shall bear interest as
         selected by the applicable Borrower at either (a) a floating rate equal
         to the Bank's Prime Rate (Revolving Loans bearing interest at such
         rate, "Prime Rate Loans"), (b) the Adjusted Libor Rate plus 65 basis
         points (Revolving Loans bearing interest at such rate, "Libor Rate
         Loans") or (c) a money market rate quoted by the Bank for the amount
         and duration of the requested Revolving Loan plus 65 basis points (each
         such rate, a "Money Market Rate") (Revolving Loans bearing interest at
         such money market rate, "Money Market Loans")."

         4.       Section 8(a) of the Letter Agreement is hereby amended by
restating such Section 8(a) to read in its entirety as follows:

         "a)      To comply with the following financial covenants:

                  (i)      to maintain a ratio of Consolidated Indebtedness to
                           Capital of not more than 0.35 to 1.00 at all times;
                           and

                  (ii)     the Combined Statutory Capital and Surplus of the
                           Insurance Subsidiaries, as of the last day of any
                           fiscal quarter, will not be less than $365,000,000;"

         5.       Section 12 of the Letter Agreement is hereby amended by
replacing the notice address of the Bank with the following notice address:

         "State Street Bank and Trust Company, Lafayette Corporate Center, 2
         Avenue de Lafayette, LCC 2N, Boston, Massachusetts 02111 Attn: Edward
         M. Anderson, Vice President"

         6.       Section 14 of the Letter Agreement is hereby amended by
restating the definitions of "Capital" and "Indebtedness" in their entirety as
follows:

         ""Capital" shall mean, as of any date of determination, Consolidated
         Net Worth as of such date, plus Consolidated Indebtedness as of such
         date (but excluding therefrom the portion, if any, of the aggregate
         redemption value of Trust Preferred Securities that exceeds fifteen
         percent (15%) of Capital as of such date), plus the aggregate
         redemption value of Trust Preferred Securities."

         ""Indebtedness" shall mean, with respect to any person or entity
         (without duplication), (i) all indebtedness and obligations of such
         person or entity for borrowed money or in respect of loans or advances
         of any kind, (ii) all obligations of such person or entity

                                      2
<PAGE>

Selective Insurance Company of America
Selective Insurance Group, Inc.
As of June 30, 2003
Page 31

         evidenced by notes, bonds, debentures or similar instruments, (iii) all
         reimbursement obligations of such person or entity with respect to
         surety bonds, letters of credit and bankers' acceptances (in each case,
         whether or not drawn or matured and in the stated amount thereof), (iv)
         all obligations of such person or entity to pay the deferred purchase
         price of property or services, (v) all indebtedness created or arising
         under any conditional sale or other title retention agreement with
         respect to property acquired by such person or entity, (vi) all
         obligations of such person or entity as lessee under leases that are or
         are required to be, in accordance with generally accepted accounting
         principles, recorded as capital leases, to the extent such obligations
         are required to be so recorded, (vii) all Disqualified Capital Stock
         issued by such person or entity, with the amount of Indebtedness
         represented by such Disqualified Capital Stock being equal to the
         greater of its voluntary or involuntary liquidation preference and its
         maximum fixed repurchase price, but excluding accrued dividends, if any
         (for purposes hereof, the "maximum fixed repurchase price" of any
         Disqualified Capital Stock that does not have a fixed repurchase price
         shall be calculated in accordance with the terms of such Disqualified
         Capital Stock as if such Disqualified Capital Stock were purchased on
         any date on which Indebtedness shall be required to be determined
         pursuant to this letter agreement, and if such price is based upon, or
         measured by, the fair market value of such Disqualified Capital Stock,
         such fair market value shall be determined reasonably and in good faith
         by the board of directors or other governing body of the issuer of such
         Disqualified Capital Stock), (viii) the net termination obligations of
         such person or entity under any interest or foreign currency rate swap,
         cap, collar, option, hedge, forward rate or other similar agreement or
         arrangement designed to protect against fluctuations in interest rates
         or currency exchange rates, calculated as of any date as if such
         agreement or arrangement were terminated as of such date, (ix) all
         Contingent Obligations of such person or entity and (x) all
         indebtedness referred to in clauses (i) through (ix) above secured by
         any lien on any property or asset owned or held by such person or
         entity regardless of whether the indebtedness secured thereby shall
         have been assumed by such person or entity or is nonrecourse to the
         credit of such person or entity."

         7.       Section 14 of the Letter Agreement is hereby further amended
by inserting the following new definitions of "Combined Statutory Capital and
Surplus", "Consolidated Indebtedness", "Consolidated Net Worth", "Contingent
Obligation", "Disqualified Capital Stock", "Insurance Subsidiary", and "Trust
Preferred Securities", in proper alphabetical order therein:

         ""Combined Statutory Capital and Surplus" shall mean, as to all
         Insurance Subsidiaries, as of any date, the aggregate of the amounts
         shown for each such Insurance Subsidiary on line 35, column 1, page 3
         of the Annual Statement of such Insurance Subsidiary, or the

                                      3

<PAGE>

Selective Insurance Company of America
Selective Insurance Group, Inc.
As of June 30, 2003
Page 32

         sum of amounts determined in a consistent manner for any date other
         than one as of which an Annual Statement is prepared."

         ""Consolidated Indebtedness" shall mean, as of any date of
         determination, the aggregate (without duplication) of all Indebtedness
         (whether or not reflected on the Parent's or any Subsidiary's balance
         sheet) of the Parent and its Subsidiaries as of such date, determined
         on a consolidated basis in accordance with generally accepted
         accounting principles, excluding reimbursement obligations in respect
         of letters of credit issued for the benefit of any Insurance Subsidiary
         or the Parent in the ordinary course of its business to support the
         payment of obligations arising under insurance and reinsurance
         contracts and similar swap agreements, but only in each case to the
         extent such letters of credit (i) are not drawn upon and (ii) are
         collateralized by cash or cash equivalents; provided, that the
         aggregate redemption value of all Trust Preferred Securities shall be
         included in Consolidated Indebtedness, without duplication, to the
         extent such aggregate redemption value exceeds fifteen percent (15%) of
         Capital."

         ""Consolidated Net Worth" shall mean, as of any date of determination,
         the net worth of the Parent and its Subsidiaries as of such date,
         determined on a consolidated basis in accordance with generally
         accepted accounting principles, excluding any Disqualified Capital
         Stock."

         ""Contingent Obligation" shall mean, with respect to any person or
         entity, any direct or indirect liability of such person or entity with
         respect to any Indebtedness, liability or other obligation (the
         "primary obligation") of another person or entity (the "primary
         obligor"), whether or not contingent, (a) to purchase, repurchase or
         otherwise acquire such primary obligation or any property constituting
         direct or indirect security therefor, (b) to advance or provide funds
         (i) for the payment or discharge of any such primary obligation or (ii)
         to maintain working capital or equity capital of the primary obligor or
         otherwise to maintain the net worth or solvency or any balance sheet
         item, level of income or financial condition of the primary obligor,
         (c) to purchase property, securities or services primarily for the
         purpose of assuring the owner of any such primary obligation of the
         ability of the primary obligor in respect thereof to make payment of
         such primary obligation or (d) otherwise to assure or hold harmless the
         owner of any such primary obligation against loss or failure or
         inability to perform in respect thereof; provided, however, that, with
         respect to the Parent and its Subsidiaries, the term Contingent
         Obligation shall not include endorsements for collection or deposit in
         the ordinary course of business."

         ""Disqualified Capital Stock" shall mean, with respect to any person or
         entity, any capital stock (or equivalent partnership, membership or
         other equity interests, units, rights,

                                      4

<PAGE>

Selective Insurance Company of America
Selective Insurance Group, Inc.
As of June 30, 2003
Page 33

         options or equivalents) of such person or entity that, by its terms (or
         by the terms of any security into which it is convertible or for which
         it is exchangeable), or upon the happening of any event or otherwise,
         (i) matures or is mandatorily redeemable or subject to any mandatory
         repurchase requirement, pursuant to a sinking fund obligation or
         otherwise, (ii) is redeemable or subject to any mandatory repurchase
         requirement at the sole option of the holder thereof, or (iii) is
         convertible into or exchangeable for (whether at the option of the
         issuer or the holder thereof) (a) debt securities or (b) any capital
         stock (or such equivalent interest) referred to in (i) or (ii) above,
         in each case under (i), (ii) or (iii) above at any time on or prior to
         the Revolving Maturity Date; provided, however, that only the portion
         of such capital stock (or such equivalent interest) that so matures or
         is mandatorily redeemable, is so redeemable at the option of the holder
         thereof, or is so convertible or exchangeable on or prior to such date
         shall be deemed to be Disqualified Capital Stock."

         ""Insurance Subsidiary" shall mean any direct or indirect Subsidiary of
         the Parent the ability of which to pay dividends is regulated by an
         insurance regulatory authority or that is otherwise required to be
         regulated thereby in accordance with the applicable requirements of law
         of its jurisdiction of domicile, and shall mean and include, without
         limitation, the Company, Selective Way Insurance Company, Selective
         Insurance Company of South Carolina, Selective Insurance Company of the
         Southeast, and Selective Insurance Company of New York."

         ""Trust Preferred Securities" shall mean any preferred securities
         issued or hereafter issued by a Delaware statutory business trust of
         which the Parent is the grantor, the proceeds of which are or have been
         used principally to purchase debentures issued or hereafter issued by
         the Parent."

         II.      Amendments to Note

         The Note is hereby amended by deleting the following therefrom:
"$25,000,000" and "Twenty Five Million Dollars ($25,000,000)" and substituting
the following, respectively, therefor: "$20,000,000" and "Twenty Million Dollars
($20,000,000)".

         III.     Miscellaneous

            1.       As amended hereby, all terms and conditions of the Letter
Agreement and Note remain in full force and effect and are ratified and affirmed
as of the date hereof and extended to give effect to the terms hereof.

                                      5

<PAGE>

Selective Insurance Company of America
Selective Insurance Group, Inc.
As of June 30, 2003
Page 34

         2.       Each Borrower represents and warrants to the Bank as follows:
(a) no Event of Default has occurred and is continuing on the date hereof under
the Letter Agreement or the Note; (b) each of the representations and warranties
of the Borrowers contained in Paragraph 9 of the Letter Agreement is true and
correct in all material respects on and as of the date of this letter amendment;
(c) the execution, delivery and performance of each of this letter amendment,
the Letter Agreement, as amended hereby, and the Note, as amended hereby
(collectively, the "Amended Documents") (i) are, and will be, within its
corporate power and authority, (ii) have been authorized by all necessary
corporate proceedings, (iii) do not, and will not, require any consents or
approvals including from any governmental authority other than those which have
been received, (iv) will not contravene any provision of, or exceed any
limitation contained in, the charter documents or by-laws or other
organizational documents of such Borrower or any law, rule or regulation
applicable to such Borrower, (v) do not constitute a default under any other
agreement, order or undertaking binding on such Borrower; (d) each of the
Amended Documents constitutes the legal, valid, binding and enforceable
obligation of such Borrower, except as the same may be limited by bankruptcy,
insolvency, reorganization, moratorium or other laws affecting the enforcement
of creditors' rights generally and by general equitable principles; and (e) if
the proceeds of any Revolving Loan are utilized to finance the purchase of the
stock of the Parent, such use will be in compliance with Regulations U and X of
the Board of Governors of the Federal Reserve System.

         3.       This letter amendment shall constitute an agreement executed
under seal to be governed by the laws of The Commonwealth of Massachusetts.

         4.       This letter amendment may be executed in counterparts each of
which shall be deemed to be an original document.

                                        Sincerely,

                                        STATE STREET BANK AND TRUST COMPANY

                                        By: /s/ Edward M. Anderson
                                            ----------------------
                                            Edward M. Anderson
                                            Vice President

Acknowledged and accepted:

SELECTIVE INSURANCE COMPANY OF AMERICA

By: /s/ Gregory E. Murphy
    ---------------------
Name: Gregory E. Murphy
Title: Chairman, President and
       Chief Executive Officer

                                      6

<PAGE>

Selective Insurance Company of America
Selective Insurance Group, Inc.
As of June 30, 2003
Page 35

By: /s/ Dale A. Thatcher
    --------------------
Name: Dale A. Thatcher
Title: Executive Vice President
       Chief Financial Officer and Treasurer

SELECTIVE INSURANCE GROUP, INC.

By: /s/ Gregory E. Murphy
    ----------------------
Name: Gregory E. Murphy
Title: Chairman, President and
       Chief Executive Officer

By: /s/ Dale A. Thatcher
    ---------------------
Name: Dale A. Thatcher
Title: Executive Vice President
       Chief Financial Officer and Treasurer

                                      7

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