Document:

Exhibit 10.15

                 SECOND AMENDED INFORMATION SERVICES CONTRACT

      THIS SECOND AMENDED INFORMATION SERVICES CONTRACT ("Agreement"), dated as
of October 1, 1997, is made by and between The Millers Mutual Fire Insurance
Company, a Texas mutual insurance company ("Millers Mutual"), The Millers
Casualty Insurance company, a Texas insurance company ("Millers Casualty"), and
INSpire Insurance Solutions, Inc., a Texas corporation formally known as
MiliRisk, Inc. ("INSpire" and together with Millers Mutual and Millers Casualty,
the "Parties").

                             PRELIMINARY STATEMENTS

      A. Millers Mutual, INSpire and Millers Casualty are parties to an Amended
Information Services Contract (the "Prior Services Contract") pursuant to which
INSpire provides certain information system services to Millers Mutual and
Millers Casualty.

      B.    Millers Mutual, INSpire and Millers Casualty desire to amend in
its entirety the Prior Services Contract.

      C. Millers Mutual and Millers Casualty desire to procure certain
information system services from INSpire in connection with the business of
Millers Mutual and Millers Casualty and INSpire is willing to provide such
services.

      NOW, THEREFORE, in consideration of the foregoing preliminary statements
and the mutual covenants and agreements contained herein, the parties hereto,
intending to be legally bound hereby, agree as follows:

                             STATEMENT OF AGREEMENT

                                  ARTICLE I.

                                   DEFINITIONS

      Unless the context otherwise requires, the terms defined in this Article I
shall, for the purpose of this Agreement, have the meanings herein specified:

      "EFFECTIVE DATE" means October 1, 1997.

      "FISCAL YEAR" shall mean the period from January 1 through December 31 of
      each year.

      "TERM OF AGREEMENT" means the period from the Effective Date until the
      Agreement is terminated pursuant to Article 5.

                                   ARTICLE II

                        DUTIES AND OBLIGATIONS OF INSPIRE

      SECTION 2.1.  INFORMATION SYSTEM SERVICES: INSpire shall provide
information system services for and on behalf of Millers Mutual and Millers
Casualty which shall include, but shall not be limited to:

      (a)   Telecommunications services;

      (b)   Hardware services;

      (c)   Application software services;

      (d)   System software services;

      (e)   Network services;

      (f)   System integration services.

<PAGE>

                                   ARTICLE III

                        CONDENSATION EXPENSES AND PAYMENT

      SECTION 3.1.  FEES.  The compensation due INSpire from Millers Mutual
and Millers Casualty for services provided pursuant to Section 2.1 of this
Agreement is as follows:

                     Category A*        Category B**
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   Calendar Year       Percent of       Percent of Net    Monthly Minimum
                     Direct Written     Written Premium
                         Premium
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       1997                6.0%              6.0%            $375,000
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       1998                5.5%              5.5%            $300,000
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     1999-2001             5.0%              5.0%            $275,000
---------------------------------------------------------------------------

*     Category A represents premiums written by Millers Mutual and Millers
      Casualty for which Millers Mutual and Millers Casualty utilize the
      services provided pursuant to Section 2.1 to process policies and/or
      claims.

**    Category B represents premiums written by Millers Mutual and Millers
      Casualty for which Millers Mutual and Millers Casualty utilize the
      services provided pursuant to Section 2.1 to process management and bureau
      report processing only.

At the request and approval of Millers Mutual and Millers Casualty, INSpire will
make modifications to INSpire supplied application software. Work will be done
at a rate of $130.00 per hour. Cost for any modifications required by Millers
Mutual and Millers Casualty of application software licensed by Millers Mutual
or Millers Casualty from sources other than INSpire will be the responsibility
of Millers Mutual and Millers Casualty.

      SECTION 3.2. INVOICING AND PAYMENT. INSpire shall bill Millers Mutual and
Millers Casualty monthly for services within 15 days after the end of each
calendar month during the Term of Agreement. Payment shall be made by Millers
Mutual and Millers Casualty within 30 days after the delivery of such invoice.

      SECTION 3.3. LATE PAYMENT. Any amount owing from Millers Mutual and/or
Millers Casualty to INSpire that has not been paid by the due date shall be
subject to a late payment charge of 1% per month.

                                 ARTICLE IV.

                   ACCESS TO INFORMATION, BOOK AND RECORDS

      INSpire and its duly authorized representatives shall have access, to the
extent necessary to perform the services pursuant to Section 2.1, to each of
Millers Mutual's and Millers Casualty's offices, facilities, application
software and records wherever located, in order to discharge INSpire's
responsibilities hereunder; provided, however, Millers Mutual and Millers
Casualty shall provide and make available to INSpire and its duly authorized
representatives at INSpire's Fort Worth, Texas, USA offices, at INSpire's
request, all such records required by INSpire to perform its duties pursuant to
this Agreement. All records and materials furnished to INSpire by Millers Mutual
and Millers Casualty in performance of this Agreement shall at all times during
the Term of Agreement remain the property of Millers Mutual and Millers
Casualty, as appropriate.

                                  ARTICLE V.

                      TERM AND TERMINATION OF THE AGREEMENT

      SECTION 5.1. INITIAL TERM. This Agreement shall be effective from the
Effective Date and shall continue for five years thereafter (the "Initial
Term"); subject, however, to the, terms of Section 5.2 hereof. At the end of the
Initial Term, this Agreement shall continue in force and effect for subsequent
three (3) year periods unless terminated by any Party by written notice at least
180 days prior to the anniversary date of the Effective Date.

      SECTION 5.2.  TERMINATION.  This Agreement may be sooner terminated on
the first to occur of the following:

      a.    TERMINATION BY MUTUAL AGREEMENT
            In the event the Parties shall mutually agree in writing, this
            Agreement may be terminated on the terms and dates stipulated
            therein.

      b.    UNCORRECTED MATERIAL BREACH
            In the event any Party shall fail to discharge any of its material
            obligations hereunder, or shall commit a material breach of this
            Agreement, and such default or breach shall continue for a period of
            sixty (60) days after any other Party has served notice of such
            default, this Agreement may then be terminated at the option of any
            nonbreaching Party by notice thereof to the breaching Party.

      SECTION 5.3. EFFECTS OF TERMINATION. Except for covenants or other
provisions herein that, by their terms, expressly extend beyond the Term of
Agreement, the Parties' obligations hereunder are limited to the Term of
Agreement.

      SECTION 5.4. REIMBURSEMENT BY INSPIRE. In the event of termination under
this Agreement, INSpire shall reimburse Millers Mutual and Millers Casualty
within 30 days after such termination for fees paid by Millers Mutual and
Millers Casualty but unearned by INSpire.

      SECTION 5.5. FORCE MAJEURE. If any Party shall be prevented from
performing any portion of this Agreement (except the payment of money) by causes
beyond its control, including labor disputes, civil commotion, war, governmental
regulations or controls, casualty, inability to obtain materials or services or
acts of God, the defaulting party shall be excused from performance for the
period of the delay and for a reasonable time thereafter.

                                 ARTICLE VI.

                           INDEMNIFICATION OF INSPIRE

      SECTION 6.1. LIMITATION OF LIABILITY. In providing services hereunder,
INSpire shall have a duty to act and cause its affiliates and designees to act
in a reasonably prudent manner. Neither INSpire, nor any officer, director,
employee or agent of INSpire shall be liable to Millers Mutual and/or Millers
Casualty for any error of judgment or for any loss incurred by Millers Mutual
and/or Millers Casualty in connection with the matters to which this Agreement
relates, except a loss resulting from the gross negligence or willful misconduct
on the part of INSpire.

      SECTION 6.2. INDEMNIFICATION. Millers Mutual and Millers Casualty hereby
agree to indemnify and hold harmless INSpire from and against any and all
claims, causes of action, liabilities, damages, costs, charges, fees, expenses
(including reasonable attorney's fees and expenses to be reimbursed as
incurred), suits, orders, judgments, adjudications and losses of whatever nature
and kind which INSpire or its affiliates or designees or for which INSpire or
its affiliates or designees become liable as the result of the performance of
INSpire's obligations and duties pursuant to this Agreement; provided, INSpire
shall not be indemnified for gross negligence or willful misconduct on the part
of INSpire.

                                 ARTICLE VII.

                                  MISCELLANEOUS

      SECTION 7.1. RELATIONSHIP OF PARTIES. This Agreement does not create a
partnership, joint venture or association; nor does this Agreement or the
operations hereunder, create the relationship of lessor and lessee or bailor and
bailee. Nothing contained in this Agreement or in any agreement made pursuant
hereto shall ever be construed to create a partnership or association, or the
relationship of lessor and lessee or bailor and bailee, or to impose any duty,
obligation or liability that would arise therefrom with respect to either or
both of the Parties. Specifically, but not by way of limitation, except as
otherwise expressly provided for herein, nothing contained herein shall be
construed as imposing any responsibility on INSpire for the debts or obligations
of Millers Mutual or Millers Casualty or any of its affiliates. It is hereby
expressly understood that INSpire is hereby engaged by Millers Mutual and
Millers Casualty to provide information system services as an agent of Millers
Mutual and Millers Casualty. INSpire, its affiliates and designees shall have
the right to render similar services for other business entities and persons,
including its own, whether or not engaged in the same business as Millers Mutual
or Millers Casualty, and may enter into such other business activities as
INSpire and its affiliates, in their sole discretion, may determine.

      SECTION 7.2. NO THIRD PARTY BENEFICIARIES. Except to the extent a third
party is expressly given rights herein, any agreement herein contained,
expressed or implied, shall be only for the benefit of the Parties and their
respective legal representatives, successors and assigns, and such agreements or
assumptions shall not inure to the benefit of any other party whomsoever, it
being the intention of the Parties hereto that no person or entity shall be
deemed a third party beneficiary of this Agreement except to the extent a third
party is expressly given rights herein.

      SECTION 7.3. GENERAL REPRESENTATIONS. Each Party represents and warrants
that on the Effective Date: (i) it is a corporation, duly established, validly
existing and in good standing under the laws of its state or jurisdiction of
incorporation, with power and authority to carry on the business in which it is
engaged and to perform its respective obligations under this Agreement; (ii) the
execution and delivery of this Agreement have been duly authorized and approved
by all requisite corporate actions; (iii) it has all the requisite corporate
power and authority to enter into this Agreement and to perform its obligations
hereunder; and (iv) the execution and delivery of this Agreement do not, and
consummation of the transactions contemplated herein will not, violate any of
the provision of its charter or bylaws or any state or federal laws applicable
to them.

      SECTION 7.4.  ASSIGNMENT.  No assignment of this Agreement or any of
the rights or obligations set forth herein by any Party shall be valid
without the specific written consent of the other Parties.

      SECTION 7.5. NOTICES. All notices and other communications hereunder shall
be in writing and shall be deemed to have been duly given if delivered
personally, mailed by first class mail postage prepaid and return receipt
requested or sent by recognized overnight delivery service or facsimile
transmission to the address below indicated:

If to Millers Mutual:         The Millers Mutual Fire Insurance Company
                              300 Burnett Street
                              Fort Worth, Texas 76102-2799
                              Attn:  Joy Keller
                              Facsimile: 817.348.3765

If to Millers Casualty:       The Millers Casualty Insurance Company
                              300 Burnett Street
                              Fort Worth, Texas 76102-2799
                              Attn:  Joy Keller
                              Facsimile:  817.348.3765

If to INSpire:                INSpire Insurance Solutions, Inc.
                              300 Burnett Street
                              Fort Worth, Texas 76102-2799
                              Attn:  Terry G. Gaines
                              Facsimile:  817.348.3786

Or such other address or to the attention of such other person as the recipient
party shall have specified by prior written notice to the sending party. Notice
so given shall, in the case of notice so given by mail, be deemed to be given
and received on the fourth calendar day after posting, in this case of notice so
given by recognized overnight delivery service on the date of actual delivery
and, in the case of notice so given by facsimile transmission or personal
delivery, on the date of actual transmission or, as the case may be, personal
delivery.

      SECTION 7.6. FAILURE TO PURSUE REMEDIES. The failure of any party to seek
redress for violation of, or to insist upon the strict performance of, any
provision of this Agreement shall not prevent a subsequent act, which would have
originally constituted a violation, from having the effect of an original
violation.

      SECTION 7.7. CUMULATIVE REMEDIES. The rights and remedies provided by this
Agreement are cumulative and the use of any one right or remedy by any party
shall not preclude or waive its right to use any or all other remedies. Said
rights and remedies are given in addition to any other rights the parties may
have by law, statute, ordinance or otherwise.

      SECTION 7.8. BINDING EFFECT. This Agreement shall be binding upon and
inure to the benefit of all of the parties and, to the extent permitted by this
Agreement, their successors, legal representatives and assigns.

      SECTION 7.9. INTERPRETATION. Throughout this Agreement, nouns, pronouns
and verbs shall be construed as masculine, feminine, neuter, singular or plural,
whichever shall be applicable. All references herein to "Articles," "Sections"
and paragraphs shall refer to corresponding provisions of this Agreement.

      SECTION 7.10.  HEADINGS.  Headings are solely for convenience and ease
of reference and are not to be considered in the construction or
interpretation of any provision of this Agreement.

      SECTION 7.11. SEVERABILITY. The invalidity or unenforceability of any
particular provision of this Agreement shall not affect the other provisions
hereof, and this Agreement shall be construed in all respects as if such invalid
or unenforceable provision were omitted unless such invalid or unenforceable
provision affects the fundamental purpose of this Agreement.

      SECTION 7.12. COUNTERPARTS. This Agreement may be executed in any number
of counterparts and by different parties hereto in separate counterparts, with
the same effect as if all parties hereto had signed the same document. All such
counterparts shall be deemed an original, shall be construed together and shall
constitute one and the same instrument. This Agreement may also be executed and
delivered by exchange of facsimile transmissions of originally executed copies.

      SECTION 7.13.  INTEGRATION.  This Agreement constitutes the entire
agreement among the parties hereto pertaining to the subject matter hereof
and supersedes all prior agreements and understandings pertaining thereto.

      SECTION 7.14.  GOVERNING LAW.  THIS AGREEMENT SHALL BE GOVERNED BY,
CONSTRUED AND ENFORCED IN ACCORDANCE WITH THE INTERNAL LAW, AND NOT THE LAW
OF CONFLICTS, OF THE STATE OF TEXAS.

      SECTION 7.15.  ARBITRATION.

      (a.)  To the fullest extent permitted by law, any controversy or claim
            arising out of or relating to any alleged breach shall be resolved
            by arbitration by a panel of three (3) arbitrators under the
            American Arbitration Association ("AAA") Arbitration Rules in force
            ( the "AAA Rules") in accordance with the following:

      (1.)  In the event of any conflict between the AAA Rules and the
            provisions of this Agreement, the provision of this Agreement shall
            prevail.

      (2.)  Either party may refer a matter to arbitration by written notice to
            the other party by giving notice as provided in this Agreement.

      (3.)  The place of the arbitration shall be in Fort Worth, Texas.

      (4.)  The claimant party shall appoint one arbitrator and the respondent
            party shall appoint one arbitrator and the two arbitrators so
            appointed shall appoint the third arbitrator, in accordance with the
            AAA Rules. In the event of an inability to agree on a third
            arbitrator, the appointing authority shall be the AAA.

      (5.)  The decision of the arbitrators shall be made by majority vote
            and shall be in writing.

      (6.)  The decision of the arbitrators shall be final and binding on the
            parties save in the event of fraud, manifest mistake or failure by
            any of the arbitrators to disclose any conflict of interest.

      (7.)  The decision of the arbitrators may be enforced by any court of
            competent jurisdiction and may be executed against the person and
            assets of the losing party in any jurisdiction.

      (b.)  In the event any dispute is submitted to arbitration pursuant to
            Section 7.15(a) above, the panel of arbitrators may, if it deems
            such award appropriate, award a party costs and expenses incurred by
            such party in enforcing its rights. Except as so awarded, each party
            shall bear its own costs and expenses of enforcing its rights to
            arbitrate under this Section 7.15

      (c.)  Except for arbitration proceedings pursuant to Section 7.15(a)
            above, no action (other that the enforcement of any arbitration
            decision) or lawsuit shall be brought by or between INSpire and
            Millers Mutual and Millers Casualty concerning or arising out of
            this Agreement.

      SECTION 7.16. AGREEMENT TO PERFORM NECESSARY ACTS. Each party agrees to
perform any further acts and execute and deliver any and all further documents
and/or instruments, which may be reasonable necessary to carry out the
provisions of this Agreement and the transactions contemplated hereby.

                          (SIGNATURE PAGE TO FOLLOW)

<PAGE>

      IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed as of the date first written above.

                                    THE MILLERS MUTUAL FIRE INSURANCE COMPANY

                                    By: /S/ JOY J. KELLER
                                        ------------------------------------
                                    Name: Joy J. Keller
                                    Title: Executive Vice President and CFO

                                    THE MILLERS CASUALTY INSURANCE COMPANY

                                    By: /S/ JOY J. KELLER
                                        ------------------------------------
                                    Name: Joy J. Keller
                                    Title: Executive Vice President and CFO

                                    INSPIRE INSURANCE SOLUTIONS, INC.

                                    By: /S/ JEFFREY W. ROBINSON
                                        ------------------------------------
                                    Name: Jeffrey W. Robinson
                                    Title: Executive Vice PresidentExhibit 10.16

                              POLICY ADMINISTRATION

                               SERVICES AGREEMENT

      This Policy Administration Services Agreement ("Agreement") is effective
as of the 1st day of October, 1997 ("Effective Date"), by and between INSpire
Insurance Solutions, Inc., a Texas corporation with principal offices at 300
Burnett, Fort Worth, Texas 76102 ("INSpire"), and The Millers Mutual Fire
Insurance Company and The Millers Casualty Insurance Company, having their
principal place of business at 300 Burnett Street, Fort Worth, Texas 76102
(collectively, the "Customer").

      Whereas, Customer is desirous of INSpire providing Policy Administration
Services for which Customer is otherwise responsible in providing insurance to
its customers, as set forth in this Agreement;

      Whereas, INSpire wishes to provide such Services for Customer;

      Whereas, the parties hereto wish to reduce their Agreement to writing;
and

      Whereas, Customer is comprised of The Millers Mutual Fire Insurance
Company and The Millers Casualty Insurance Company.

      Now, therefore, for and in consideration of the premises set forth below
and other good and valuable consideration, the receipt and sufficiency of which
is expressly acknowledged, Customer and INSpire hereby agree as follows:

                             ARTICLE 1. SERVICES

      The "Services" to be performed by INSpire are set forth in Exhibit I to
this Agreement. INSpire shall not be involved in the production of business on
behalf of Customer other than as set forth in Exhibit I.

                               ARTICLE 2. TERM

2.1      The term of this Agreement shall commence on the Effective Date and
         shall have a "Minimum Term" of 24 full calendar months unless
         terminated earlier pursuant to the provisions of this Agreement. The
         Agreement shall automatically be renewed and extended after the
         conclusion of the Minimum Term for an additional term or terms of 12
         months unless terminated pursuant to the provisions of Article 8.

2.2      The "Implementation Period" shall begin on the Effective Date of this
         Agreement and shall end on the date INSpire notifies Customer that
         INSpire is capable of receiving all future applications on behalf of
         Customer. During the Implementation Period, INSpire shall prepare an
         analysis of the lines of business included within the terms of this
         Agreement. Customer shall assist INSpire during such "Implementation
         Period" with the gathering of appropriate data, information,
         background, and other facts as needed by INSpire to enable INSpire to
         perform the Services enumerated in Exhibit I of this Agreement.

                         ARTICLE 3. DUTIES OF INSPIRE

3.1      The Implementation Period will be used to assemble the staff, arrange
         for furniture and fixtures, and prepare for the start of business. All
         procedures required to conduct business as well as the requisite staff
         training will occur during this period.

3.2      INSpire shall, as it shall determine in its discretion, dedicate the
         appropriate human, equipment and computer resources to provide and,
         during the term of this Agreement, will provide Customer with the
         Services enumerated in Exhibit I of this Agreement for the Lines of
         Business and States specified in Exhibit I.

3.3      INSpire shall designate an employee to act as liaison with Customer
         to facilitate the provision of the Services.

3.4      INSpire shall maintain the confidentiality of data or information which
         is the property of Customer and which is directly accessible to INSpire
         in the implementation and performance of the Services.

3.5      INSpire shall maintain complete, accurate and orderly files, records
         and accounts of all transactions in accordance with generally accepted
         insurance and accounting practices. INSpire shall be responsible for
         the timely remittance of all premiums due Customer.

3.6      INSpire shall maintain permanent copies of all policies and
         applications and correspondence related to the policies. INSpire shall
         not destroy these permanent copies without the written permission of
         the Customer for a period of at least five (5) years from the
         termination date of the applicable policies, or the period specified by
         the applicable state statute regulating preservation of records,
         whichever is longer. INSpire may, at its discretion, use magnetic,
         optical, and other types of technology to store such data.

3.7      INSpire acknowledges and agrees that Customer, being at risk and having
         ultimate responsibility for the policies to be administered by INSpire,
         shall at all times have ultimate discretion with respect to all matters
         pertaining to the policies.

                        ARTICLE 4. DUTIES OF CUSTOMER

4.1      Customer shall provide the data necessary, in a timely manner and in a
         format acceptable to INSpire, for INSpire to perform the Services
         defined in Exhibit I of this Agreement. Customer acknowledges that
         delays in delivery of required information will result in a similar
         delay in fulfilling Services.

4.2      Customer acknowledges that INSpire assumes no risk or responsibility
         for Customer's claims administration, claim payments or recovery
         pursuant to this Agreement.

4.3      Customer will provide INSpire with the policy jackets and the
         information and specifications necessary to perform the Services
         defined in Exhibit I of this Agreement, including but not limited to
         Customer's banking institution account information, corporate and
         subsidiary logos (if applicable), style and specifications of
         printed documents such as insurance policies, and all other
         information and specifications necessary to perform the Services.

4.4      Customer shall appoint a Project Manager with sufficient authority
         within Customer's organization to facilitate Customer's role as INSpire
         performs the Services enumerated in Exhibit I of this Agreement.

4.5      Customer will be responsible for and make available to INSpire any
         software products, systems and/or licenses to INSpire necessary to
         perform the Services enumerated in Exhibit I.

                         ARTICLE 5. AUDIT PROVISIONS

      INSpire shall maintain records of amounts billable to and payments made on
behalf of Customer. In addition, INSpire shall maintain records of the data
utilized to perform the Services defined in Exhibit I of the Agreement until
five years following the termination date of the applicable policies, or the
period specified by the applicable state statute, unless such records are
earlier returned to Customer. INSpire agrees to provide reasonable supporting
documentation concerning any disputed invoice amount to Customer within 15 days
after Customer provides written notification of the dispute to INSpire. Customer
and an auditor selected by Customer shall have access to all such records upon
mutually agreed upon prior notice for the purposes of audit and verification
during normal business hours during the full term of this Agreement and during
the respective periods in which INSpire is required to maintain such records.
INSpire shall provide access to its books, records and bank accounts to the
insurance departments of all applicable jurisdictions in a form usable by the
departments.

                         ARTICLE 6. PRICE AND PAYMENT

6.1      Customer agrees to pay Service Rates as specified in Exhibit II
         hereto.

6.2      The Service Rates in Exhibit II hereto may be changed effective as of
         each anniversary of the Effective Date during the existence of this
         Agreement by the percentage increase in the United States Consumer
         Price Index for all Urban Users (CPI-U) published by the United States
         Bureau of Labor Statistics for the immediately preceding calendar year.
         In the event a vendor supplying any service or product to INSpire
         required for INSpire to provide the Services to Customer increases its
         rates charged to INSpire, INSpire may increase the contracted rates set
         forth herein to include such increased costs.

6.3      The Service Rates may increase by mutual agreement, if changes in the
         Services mutually agreed to in writing substantially alter the
         servicing personnel, equipment, or result in the servicing being done
         on a different system.

6.4      When Customer requests INSpire personnel to travel to any location for
         the purpose of performing policy administration work under this
         Agreement, the Customer will, in addition to the charges specified for
         Services, pay INSpire for all reasonable travel, lodging and
         out-of-pocket expenses.

6.5      Customer agrees to pay all tariffs and taxes that are now or may become
         applicable to the Services rendered hereunder as measured by payments
         made by Customer to INSpire under this Agreement, or as required to be
         collected by INSpire or paid by INSpire to tax authorities based on
         this Agreement. This provision includes but is not limited to sales,
         use, or any other form of tax based on Services performed but does not
         include taxes based upon the net income of INSpire.

6.6      Service fees for Services will be due and payable 15 days after the
         close of the calendar month for which the Services are provided.

6.7      Customer agrees that INSpire will have the right to renegotiate the
         Service Fees in the event of statutory, regulatory, or judicial changes
         that require additional activities not contemplated at the inception of
         this Agreement.

           ARTICLE 7. LICENSE, TRADE SECRET AND PROPRIETARY RIGHTS

7.1      Although INSpire from time to time may use its own proprietary computer
         software products in the performance of the Services enumerated in
         Exhibit I of this Agreement, this Agreement does not grant a license or
         any other interest to Customer for the use of any software products.

7.2      This Agreement grants to Customer no right to possess or reproduce, or
         any other interest in, the computer software programs performing all or
         any part of the Services or their specifications in any tangible or
         intangible medium. Customer may not mortgage, hypothecate, sell,
         assign, pledge, lease, transfer, license or sublicense the computer
         software programs performing all or any part of the Services, nor allow
         any person, firm, or corporation to transmit, copy or reproduce the
         computer software programs performing all or any part of the Services
         or their specifications in whole or in part. In the event Customer
         shall come into possession of the computer software programs performing
         all or any part of the Services, Customer shall immediately notify
         INSpire and return the computer software programs performing the
         Services and all copies of any kind thereof to INSpire upon INSpire's
         request.

7.3      Customer promises and agrees not to disclose or otherwise make computer
         software programs performing all or any part of the Services available
         to any person other than employees of Customer required to have such
         knowledge for normal use of them. Customer agrees to obligate each such
         employee to a level of care sufficient to protect the computer software
         programs performing all or any part of the Services from unauthorized
         disclosure.

7.4      INSpire warrants and represents that it owns, or is licensed with
         respect to, all software it will employ in the performance of this
         Agreement. In the event this Agreement is terminated, INSpire will
         grant a license upon terms and conditions to be set forth in a
         Licensing Agreement to Customer to use the software which INSpire
         employs in the performance of this Agreement to the extent INSpire is
         not otherwise prohibited from doing so by contract or by operation of
         law. INSpire shall use its best efforts to deliver the software, as
         well as all necessary manuals, to the Customer immediately upon
         delivery of data to the Customer.

7.5      THE OBLIGATION OF CUSTOMER UNDER THIS ARTICLE SHALL CONTINUE AFTER
         THIS AGREEMENT IS TERMINATED.

                            ARTICLE 8. TERMINATION

8.1      Either party may terminate this Agreement without cause at the
         expiration of the Minimum Term set forth in Section 2.1, provided the
         other party receives at least six (6) months prior written notice of
         termination. Termination without cause during any renewal term would
         also require six months notice prior to the terminations of the renewal
         term.

8.2      Either party may terminate this Agreement upon breach by the other
         party of any one or more of the terms and conditions of this Agreement
         or the related Exhibits, provided that the party in breach is notified
         in writing by the other party of the breach and the breach is not cured
         or a satisfactory resolution agreed upon in writing within thirty (30)
         days of such written notification, or if such breach is non-monetary
         and is of such a nature that it cannot reasonably be cured within such
         notice period, if the breaching party has not within such time
         commenced to cure same and does not diligently continue to and actually
         cure same within a reasonable period thereafter. The obligations of
         INSpire referred to in this Section 8.2 shall include, but shall not be
         limited to:

         (a)   the obligation to deposit, report and remit premiums;

         (b)   the obligation to remit return premiums to insureds when due;

         (c)   the obligation to process all policies, endorsements, and
               notices of cancellation or non-renewal, pursuant to Customer's
               underwriting guidelines or other instructions;

         (d)   the obligation to observe and comply with applicable laws,
               regulations, rules and rates affecting the transaction of
               business hereunder; and

         (e)   the obligation to provide the Services set forth in Exhibit I.

8.3      In the event either party makes a general assignment for the benefit of
         creditors or files a voluntary petition in bankruptcy or petitions for
         reorganization or arrangement under the bankruptcy laws, or if a
         petition in bankruptcy is filed against either party and remains
         undismissed for a period of thirty (30) days, or if a receiver or
         trustee is appointed for all or any part of the property and assets of
         either party, the other party may terminate the Agreement immediately.

8.4      Rights Upon Termination.  Upon expiration or termination of this
         Agreement:

         (a)   The obligations of the Customer and INSpire to the date of
               termination shall be discharged promptly.

         (b)   INSpire shall promptly return to the Customer any policies, forms
               or other supplies imprinted with the Customer's name, regardless
               of who incurred the cost for same.

         (c)   INSpire shall promptly provide the Customer, without charge, with
               a tape back-up of all data files (the "Data").

               ARTICLE 9. LIMITATION OF LIABILITY AND REMEDIES

9.1      If data is processed in error due to an error or defect in the Services
         provided by INSpire, then upon INSpire receiving notice of such error
         or defect, INSpire shall reprocess such data without charge to
         Customer.

9.2      INSpire shall indemnify, protect, defend and hold Customer, its
         officers, directors, shareholders and employees harmless from and
         against any and all losses, damages, liabilities, fines, settlements,
         penalties and judgments (including reasonable costs and attorney's
         fees) (herein "Damages") arising out of or resulting from the
         negligent, willful or intentional acts of INSpire performed in
         connection with this Agreement or arising from a breach of this
         Agreement by INSpire. Customer shall indemnify, protect, defend and
         hold INSpire, its officers, directors, shareholders and employees
         harmless from and against any and all Damages arising out of or
         resulting from the negligent, willful or intentional acts of Customer
         performed in connection with this Agreement or arising from a breach of
         this Agreement by Customer. This indemnity shall survive the earlier
         expiration or termination of this Agreement.

9.3      INSpire's liability to Customer for Damages arising from errors and
         defects in performing the Services (whether the damage is based in tort
         or contract, law or equity) is limited to an amount not to exceed the
         usual and customary charges paid to INSpire under this Agreement in any
         one month of this Agreement plus costs and attorney's fees as provided
         in Section 10.11. With respect to breach of this Agreement which does
         not result in or constitute a termination or repudiation of this
         Agreement, Customer's liability to INSpire for Damages is limited to an
         amount not to exceed the usual and customary charges paid to INSpire
         under this Agreement in any one month of this Agreement plus costs and
         attorney's fees as provided in Section 10.11.

9.4      Customer's remedies and INSpire's liability for breaches of this
         Agreement and errors or defects in the delivery of Services are limited
         to the remedies and liabilities set forth in Sections 8.2, 9.1, 9.2 and
         9.3 of this Agreement. INSpire's remedies and Customer's liability for
         breaches of this Agreement are limited to the remedies and liabilities
         set forth in Sections 8.2, 9.2 and 9.3 of this Agreement.

                             ARTICLE 10. GENERAL

10.1     The parties shall not be liable or deemed to be in default for any
         delay or failure in performance under this Agreement or interruption of
         Services resulting, directly or indirectly, from acts of God, civil or
         military authority, labor disputes, shortages of suitable parts,
         materials, labor or transportation or any similar cause beyond the
         reasonable control of the parties.

10.2     All notices which are required to be given or submitted pursuant to
         this Agreement shall be in writing and shall be either delivered in
         person or sent by certified mail, return receipt requested, to the
         address set forth herein or to such other address as the parties may
         from time to time designate in writing for such purposes. Notices shall
         be deemed to have been given at the time when personally delivered or,
         if mailed in a certified post-paid envelope, upon the fifth day after
         the date such notice shall be postmarked. All notices to INSpire shall
         be addressed to the attention of the Chief Financial Officer.

10.3     The parties covenant and promise not to disclose the terms and
         conditions of this Agreement to any third party unless expressly agreed
         to by the parties. Notwithstanding the foregoing, the parties agree
         that disclosure may be made to any auditors or regulators on a need to
         know basis only without prior consent.

10.4     This Agreement and any Exhibits made a part hereto: (a) constitute the
         entire Agreement between the parties and supersede and merge any and
         all prior discussions, representations, negotiations, correspondence,
         writings and other agreements and together state the entire
         understanding and Agreement between INSpire and Customer with respect
         to the Services described; (b) may be amended or modified only in a
         written instrument agreed to and signed by INSpire and Customer; and
         (c) shall be deemed to have been entered into and executed in the State
         of Texas and shall be construed, performed and enforced in all respects
         in accordance with the laws of that state. For purposes of venue, this
         Agreement is performable in Tarrant County, Texas.

10.5     Neither party hereto shall be deemed to have waived any rights or
         remedies accruing to it hereunder unless such waiver is in writing and
         signed by such party. No delay or omission by either party hereto in
         exercising any right shall operate as a waiver of said right on any
         future occasion. All rights and remedies hereunder shall be cumulative
         and may be exercised singularly or concurrently.

10.6     The descriptive headings of this Agreement are intended for reference
         only and shall not affect the construction or interpretation of this
         Agreement.

10.7     Wherever the singular of any term is used herein it shall be deemed to
         include the plural wherever the plural thereof may be applicable.

10.8     The parties shall not assign this Agreement or any of its rights
         hereunder without the prior written consent of the other party which
         consent shall not be unreasonably withheld unless the proposed
         assignment is to a competitor of the other party.

10.9     If any provision of this Agreement or any Exhibit hereto or the
         application thereof to any party or circumstances shall, to any extent,
         now or hereafter be or become invalid or unenforceable, the remainder
         of this Agreement shall not be affected thereby and every other
         provision of this Agreement shall be valid and enforceable to the
         fullest extent permitted by law.

10.10    In the event of any action between Customer and INSpire seeking
         enforcement of any of the terms and conditions of this Agreement, the
         prevailing party in such action shall be awarded its reasonable costs
         and expenses, including its court costs and reasonable attorney's fees.

10.11    The parties hereto are independent contractors of one another, and they
         should not in any instance be construed as partners or joint venturers.

      INSPIRE AND CUSTOMER CERTIFY BY THEIR UNDERSIGNED AUTHORIZED AGENTS THAT
THEY HAVE READ THIS AGREEMENT, INCLUDING ALL EXHIBITS HERETO, AND AGREE TO BE
BOUND BY ITS TERMS AND CONDITIONS.

      EXECUTED to be effective the 1st day of October, 1997 (the "Effective
Date").

INSpire Insurance Solutions,        The Millers Mutual Fire Insurance
  Inc.                                 Company

By: /S/ JEFFREY W. ROBINSON         By: /S/ JOY J. KELLER
    ---------------------------         ------------------------------
Name: Jeffrey W. Robinson           Name: Joy J. Keller
Title: Executive Vice President     Title: Executive Vice President and CFO
Date: December 31, 1997             Date: December 31, 1997

                                    The Millers Casualty Insurance
                                       Company

                                    By: /S/ JOY J. KELLER
                                        -----------------------------
                                    Name: Joy J. Keller
                                    Title: Executive Vice President and CFO
                                    Date: December 31, 1997

<PAGE>

                                    EXHIBIT I

                                    to the
                   POLICY ADMINISTRATION SERVICES AGREEMENT
                                 by and between

                           INSPIRE INSURANCE SOLUTIONS

                                       and

                             MILLERS INSURANCE GROUP

A.    SERVICES

      During the term of this Agreement, INSpire shall provide the Policy
Administration Services defined below for the Lines of Business (Section B of
this Exhibit I) for the States specified (Section C of this Exhibit I) written
by or through Customer. INSpire will, in accordance with guidance and direction
provided by the Customer, provide all Policy Administration Services and general
management of these Services described herein for the subject business as
follows:

1.    INSpire will issue the Customer's policies, process renewals,
      cancellations, and reinstatements. INSpire will use such non-renewal or
      cancellation notices as may be required by Policy wording or regulatory
      authority.

2.    Invoices will be processed for additional premiums and renewal bills.

3.    Refunds will be processed for return premiums.

4.    Inquiries from agents, insureds, and other relevant third parties
      (mortgagees, lienholders, etc.) will be handled on behalf of the
      Customer.

5.    The necessary services to insure personnel assigned to support the
      Customer are provided with the necessary space, furniture, fixtures,
      electrical power, computer connections, telephones, and other required
      assets to support the services.

6.    The mailing of all necessary policy documents to relevant parties.

7.    Customer billing will be supported through direct bill.  Direct
      premiums will be submitted through lockbox technology.

8.    Accounting services of receiving and distributing premiums, maintaining
      trust accounts, accounts and paying agent commissions, in accordance with
      the Customer's obligations including but not limited to:

      a.    Premium Bank Account.  Promptly upon receipt thereof, INSpire
            shall deposit all premiums and other funds collected for business
            written under this Agreement into a deposit-only bank account to
            be established and controlled by the Customer (the "Premium Bank
            Account").  Until such deposit is made, INSpire shall hold all
            premium and return premium in a segregated account and shall be
            deemed to have a fiduciary responsibility to the Customer to turn
            over such funds to Customer.

      b.    Operating Account. After Customer has established and funded a
            separate bank account which INSpire may draw upon to pay return
            premium due policyholders (hereinafter called the "Operating
            Account"), INSpire shall reconcile all disbursements from the
            Operating Account each month by type and amount of disbursement
            (e.g., return premium, commissions due Agents) and furnish a copy to
            the Customer.

      c.    Reports.  All reports and reconciliations to be provided to the
            Customer under this Agreement (whether in hard copy or maintained
            on computers) shall be forwarded within seven (7) business days
            after the end of each month.

9.    INSpire will provide reports reasonably requested by Customer in the
      Customer's ordinary course of business.

10.   Commission Handling. The INSpire Servicing Office will calculate and pay
      commissions to the producer on Customer's behalf, or will invoice and
      receive the return of commissions from the producer on return premium
      transactions; the INSpire servicing office will prepare a magnetic tape of
      commission data for Customer to prepare Federal 1099 tax statements for
      commissions paid to producers.

11.   Additional reports or modifications to agreed upon reports will be charged
      to the Customer on a time and materials basis utilizing the appropriate
      mix of service personnel required to perform the modifications or produce
      new reports. Rates for such personnel are listed in Exhibit II.

B. AUTHORIZED LINES OF BUSINESS:

      Personal Lines:
      Automobile, Dwelling Fire, Homeowners, Inland Marine, Non-Standard
      Auto, Umbrella.

C. AUTHORIZED STATES:

      Alabama, Idaho, Louisiana, New Mexico, Oregon and Texas and such other
      jurisdictions as the parties may from time to time agree upon.

D. LOCATION OF PROVISION OF SERVICES:

      INSpire shall provide the Services defined above at a INSpire service
      center designated by INSpire.

<PAGE>

                                   EXHIBIT II

                                  SERVICE RATES

CONSULTANTS                               $125.00 per hour

PROGRAMMERS                               $125.00 per hour

POLICY ADMINISTRATION SERVICES

      $6.68 per month, per in-force policy.

      Policy administration fees are subject to a minimum of $100,000 per month,
      during which services are provided.

SPECIAL FEES

      When requested and authorized by the Customer, processing system
      modifications will be charged to the Customer on a time and materials
      basis utilizing the appropriate mix of service personnel required to
      perform the modifications. Hourly rates for such personnel are listed
      above.

TRAVEL

      Customer will reimburse INSpire for all travel necessary for work
      performed under this agreement.

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