Document:

Exhibit 10i

EXHIBIT
10(i)

SHORT
TERM INCENTIVE (STI) PLAN

PURPOSE:
to focus management on business challenges and opportunities within their
control in the current year. While current year results should be maximized, it
should be done in context with the steady, long-term development of the company
and its franchise with consumers.

COMPOSITION:

	 	
      1.
	
      The
      Short Term Incentive score is created by weighting the performance of the
      Core Business (as defined below) at 75% and Net Income (as defined below)
      for the entire organization at 25%, both as externally reported to
      shareholders.

	 	
      2.
	
      An
      STI "pool" is created by multiplying the STI performance factor by the STI
      target percentage for each position and the paid salary of the individual.
      Management will recommend to the Compensation Committee any variances from
      the calculated amounts for each manager in the Plan based on that
      individual's performance and contributions for the year.
  

	 	
      3.
	
      After
      approval of the Plan and communication of the Plan to management, the
      "pool amount" result of this Plan may not be subsequently modified without
      the affirmative vote of 2/3 of the full Compensation Committee and 2/3 of
      the full Board.

	 	
      4.
	
      Any
      revisions to this STI Plan, such as to the Core Business matrix for a
      subsequent year, are to be completed and approved by the Compensation
      Committee and the Board by September 30th of the year prior to the change
      taking effect.

	 	
      5.
	
      Bonus
      accruals are included in underwriting
results.

CORE
BUSINESS COMPONENT:

	 	
      1.
	
      Core
      Business is defined as the ongoing Personal Lines business, as defined by
      the current "Exhibit A" in the company's earnings
  release.

	 	
      a.
	
      Any
      reorganization of companies, agencies, reinsurance transaction, etc. will
      be reconstituted to measure DWP and GAAP CR for the Core Business as
      currently defined. 

	 	
      b.
	
      "Cross
      Sell" products will generally be recorded on an income or expense
      reduction basis, not as Gross Revenue. 

	 	
      2.
	
      Results
      will be on a Calendar Year GAAP basis as externally reported to
      shareholders. 

	 	
      3.
	
      Specifically
      excluded from results:

	 	
      a.
	
      Investment
      income, financing costs, taxes, etc.

	 	
      b.
	
      SB1899,
      Northridge and similar pre 2003 earthquakes and Homeowners Insurance
      

	 	
      c.
	
      One
      time adjustments in Capitalized assets, such as for
IT.

	 	
      d.
	
      Impact
      of CDI fines and other regulatory actions exceeding $1
      million.

	 	
      4.
	
      Specifically
      includes the impact of new earthquakes, fire, flood and other natural
      disasters affecting the personal auto/core business.

	 	
      5.
	
      Results
      will be placed against the attached matrix to produce a Core Business STI
      Performance Score. Results falling between the listed points will be
      interpolated on a linear basis.

 

NET
INCOME FACTOR

	 	
      1.
	
      Includes
      the total result for the corporation defined as "Exhibit B - All Lines" in
      the earnings release.

	 	
      2.
	
      Results
      on for GAAP Net Income, calendar year basis as externally reported to
      shareholders.

	 	
      3.
	
      Specifically
      includes:

	 	
      a.
	
      Investment
      income, financing costs, taxes, etc.

	 	
      b.
	
      SB1899,
      Northridge and similar pre 2003 earthquakes and Homeowners Insurance.
      

	 	
      c.
	
      All
      adjustments to capitalized assets.

	 	
      d.
	
      Impact
      of all CDI fines and other regulatory
actions.

	 	
      4.
	
      Performance
      Score calculated as Net Income as a % of Net Premiums Earned adjusted
      for any new, significant reinsurance transaction.

	 	
      5.
	
      Results
      will be placed against the table listed below to produce a Net Income STI
      Performance Score. Results falling between the listed points will be
      interpolated on a linear basis.

	 	
      6.
	
      Net
      Income STI Performance table:

	 	 	 
	
       
	
       
	
	
      NET
      INCOME AS % OF NET PREMIUMS EARNED
	
      |
	
       STI
      SCORE

	 	 	 
	
       
	
       
	
	
      Negative
      
	
      |
	
      zero

	 	 	 
	
       
	
       
	
	
      1%
      
	
      |
	
      50

	 	 	 
		
       
	
	
      2%
      
	
      |
	
      70

	 	 	 
	
       
	
       
	
	
      3%
      
	
      |
	
      90

	 	 	 
	
       
	
       
	
	
      4%
      
	
      |
	
      110

	 	 	 
		
       
	
	
      5%
      
	
      |
	
      130

	 	 	 
		
       
	
	
      6%
      
	
      |
	
      150

	 	 	 
		
       
	
	
      7%
      
	
      |
	
      170

	 	 	 
		
       
	
	
      8%
      
	
      |
	
      180

	 	 	 
		
       
	
	
      9%
      
	
      |
	
      190

	 		  
	 	 	 
	
      10%
      
	
      |
	
      200

	
       
	
       
	 

	
      TARGET
      STI AS A PERCENTAGE OF BASE SALARY

	 	 
	 	 
	
      CEO
	
      100% 
      

	 	 
	 	 
	
      SVP
      ‘s
	
      75% 
      

	 	 
	 	 
	
      VP's
	
      50% 
      

	 	 
	 	 
	
      MGR's
	
      25% 
      

 

CORE
BUSINESS STI MATRIX:

CALENDAR
YEAR GAAP COMBINED RATIO:

	 	
      94
	
      95
	
      96
	 	
      97
	
      98
	
      99
	
      100
	
      101
	
      102
	 
	
      %
      GROWTH IN DWP
	
      30%
	
      200
	
      185
	
      |
	
      170
	
      145
	
      120
	
      100
	
      85
	
      50
	
      0

	 	
      25%
	
      180
	
      165
	
      |
	
      150
	
      130
	
      100
	
      85
	
      50
	
      0
	
      0

	 	
      20%
	
      165
	
      150
	
      |
	
      125
	
      110
	
      75
	
      50
	
      0
	
      0
	
      0

	 	
      15%
	
      145
	
      125
	
      |
	
      100
	
      75
	
      50
	
      25
	
      0
	
      0
	
      0

	 	
      10%
	
      130
	
      105
	
      |
	
      85
	
      65
	
      35
	
      20
	
      0
	
      0
	
      0

	 	
      5%
	
      105
	
      90
	
      |
	
      70
	
      55
	
      25
	
      15
	
      0
	
      0
	
      0

	 	
      0%
	
      75
	
      65
	
      |
	
      50
	
      40
	
      20
	
      10
	
      0
	
      0
	
      0

	 	
      -5%
	
      40
	
      30
	
      |
	
      25
	
      0
	
      0
	
      0
	
      0
	
      0
	
      0

	 	
      -
	
      Numbers
      in tables represent % of target bonus to be paid.

	 	
      _
	
      Actual
      results are interpolated between chart
values.Unassociated Document

EXHIBIT 10 (r)

DIRECTOR COMPENSATION

Effective December 30, 2002, the Board of Directors of 21st Century Insurance Group approved the following compensation:

	 	
1.
	
Annual retainer - $25,000

	 	
2.
	
Meeting fee - $1500

	 	
3.
	
Special annual retainer to members of the Audit Committee - $5000.

The retainers are paid monthly on a pro-rata basis while the meeting fee is limited to one fee for each meeting day in which a Director is in attendance. The Directors are also reimbursed for travel and other expenses related to their responsibilities as members of the Board of Directors.Exhibit 10v

Exhibit
10(v)

SECOND
AMENDMENT TO LEASE

This
SECOND AMENDMENT TO LEASE ("Second
Amendment") is
made and entered into as of the 28th day of June, 2004, by and between BFWV,
LLC, a Delaware limited liability company ("Landlord"),
successor-in-interest to Tishman Warner Center Venture, LLC, and
21st CENTURY
INSURANCE GROUP, a Delaware corporation, formerly known as 20th Century
Industries ("Tenant").

R
E C I T A L S

A.   Tenant
and Landlord's predecessor in interest entered into that certain Office Lease
dated April 8, 1998 (as amended by that certain First Amendment to Lease dated
August 31, 2000, the "Lease"),
whereby Tenant leased those certain premises consisting of all of the occupiable
area of that certain building located at 6301 Owensmouth Avenue, Woodland Hills,
California (the "Building") with
the exception of the space located on the first (ground) of the Building and
indicated on Exhibit A to the Lease and not including any basement storage
areas, all as more specifically described in the Lease (the "Premises").

B.   Landlord
and Tenant now desire to further modify and amend the Lease as provided in this
Second Amendment.

A
G R E E M E N T

NOW,
THEREFORE, in consideration of the foregoing recitals and the mutual covenants
contained herein, and for other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto agree as
follows:

1.   Capitalized
Terms.
 All
capitalized terms when used herein shall have the same meaning as is given such
terms in the Lease unless expressly superseded by the terms of this Second
Amendment.

2.   Payments
to Landlord With Respect to Costs of Management.
Notwithstanding anything to the contrary in Sections 3.2 of the Lease, Landlord
and Tenant each hereby agree that, effective as of July 1, 2004, Tenant shall
pay, without prior notice or demand, to Landlord, as the management fee
component of Operating Expenses. an amount equal to one percent (1%) of the sum
of Base Rent and Additional Rent (excluding the portion of Additional Rent
attributable to the management fee) payable by Tenant under the Lease. Thus, by
way of example, if in any year Tenant were to owe $12,500,000 in Base Rent and
Additional Rent (which amount would include all Base Rent and Additional Rent
payable by Tenant in connection with the Project, but would not include that
portion of Additional Rent attributable to the management fee), then the
management fee payable that year would be $125,000 (for the entire Project). For
purposes of calculating the management fee payable from July 1, 2004, through
December 31, 2004, Landlord and Tenant agree that the sum of Base Rent and
Additional Rent payable by Tenant (for the entire Project) is projected to be
$6,050,000 for the six months from July 1, 2004, through December 31, 2004, but
such sum will be reconciled based on actual amounts payable by Tenant.
Accordingly, the estimated monthly management fee component of Operating
Expenses paid by Tenant from July 1, 2004, through December 31, 2004, will be
$60,500 for the entire Project. This estimated payment will be apportioned
between this Lease and the lease for the Adjacent Building on a pro-rata basis
based on the total amount of Base Rent and Additional Rent payable under each
respective lease. In all years during the Lease Term and any Renewal Option Term
, the management fee will be payable in equal monthly payments in advance in the
same manner as the payment of Additional Rent. Except with respect to 2004,
estimated payments will be based on the sum of Base Rent and Additional Rent
during the last year for which a reconciliation has been completed. Thereafter,
such amount will be reconciled when the actual amounts payable under the Lease
are known in accordance with Section 3.5 of the Lease. Landlord shall have all
of the rights and remedies with respect thereto that it has under the Lease with
respect to payments of Rent. Such payments shall be made in such amounts
unconditionally and irrespective of the amount of Landlord's actual costs and
expenses incurred in connection with the management of the Building and/or the
Premises. Section 3.3.4 (EE) of the Lease is hereby deleted in its entirety, as
the payment of the management fee will be governed by the terms of this
paragraph.

 

 

1

3.   Adjustment
to Base Rent.
 Effective
as of July 1, 2004, Section
6 of the
Summary Of Basic Lease Information is hereby amended in its entirety to read as
follows:

	
      "6.
      Base Rent (Article 3):
	 	 	 	 
	
      Portion
      of Lease Term

       
	 	
      Annual
      Base Rent

       
	 	
      Annual
      Rental Rate 

      per
      Rentable Square Foot

       of
      the Premises

       

	 	 	 	 	 
	
      07/01/2004-
      02/14/2010
	 	
      $6,131,833.56
	 	
      $26.935

	
      02/15/2010
      - 02/28/2015
	 	
      $7,065,210.86
	 	
      $31.035

4.    Additional
Changes to Lease.

a.    Effective
as of July 1, 2004, for purposes of Section
3.3.6 and
Section
3.3.6.1 of the
Lease and all other applicable provisions of the Lease, the Tax Expenses
allocable to or attributable to the Building and/or the Premises shall be
conclusively deemed to be forty percent (40%) of the Tax Expenses attributable
to the entire Project. 

b.    Effective
as of the date hereof, Section 7.2 of the Summary and the portions of Section
3.2 of the Lease that provide for an adjustment to the Annual Direct Expense
Allowance are hereby amended to provide that the Annual Direct Expense Allowance
is $7.90 per rentable square foot of the Building.

c.    Effective
as of the date hereof, the notice address for Landlord set forth in Section
19.5 of the
Lease is hereby amended in its entirety to read as follows:

 

 

2

 

BFWV,
LLC

c/o
BentleyForbes

2049
Century Park East, Suite 2150

Los
Angeles, California 90067

Attention:
C. Frederick Wehba II

5.    Entire
Agreement; Amendment. The
Lease, as amended by this Second Amendment, constitutes the full and complete
agreement and understanding between the parties hereto and shall supersede all
prior communications, representations, understandings or agreements, if any,
whether oral or written, concerning the subject matter contained in the Lease,
as so amended, and no provision of the Lease, as so amended, may be modified,
amended, waived or discharged, in whole or in part, except by a written
instrument executed by all the parties hereto.

6.    Authority. Each
person executing this Second Amendment represents and warrants that he or she is
duly authorized and empowered to execute it, and does so as the act of an on
behalf of the party indicted below.

 

7.    Force
and Effect. Except
as modified by this Second Amendment, the terms and provisions of the Lease are
hereby ratified and confirmed and are and shall remain in full force and effect.
Should any inconsistency arise between this Second Amendment and the Lease as to
the specific matters which are the subject of this Second Amendment, the terms
and conditions of this Second Amendment shall control. This Second Amendment
shall be construed to be a part of the Lease and shall be deemed incorporated in
the Lease by this reference.

8.    Counterpart
Signatures.
This
Second Amendment may be executed in counterparts, each of which shall be an
original and when all counterparts are taken together they will constitute one
and the same agreement.

IN
WITNESS WHEREOF, this Second Amendment has been executed as of the day and year
first above written.

	
      TENANT:
	
      LANDLORD:

	 	 
	
      21st
      Century
      Insurance Group, 
	
      BFWV,
      LLC, a Delaware 

	
      a
      Delaware corporation
	
      limited
      liability company

	 	 
	
      By:
	
      /s/
      Richard A. Andre
	
      By:
      BF Holdings 2001 II, LLC, its managing member

	 	
           
      Richard A. Andre
	 
	
      Its:
      Senior
      Vice President
	 
	 	 
	 	
      By: 
      /s/C.
      Frederick Wehba II

	 	
             
      C. Frederick Wehba II, 

	 	
             
      Manager 

	 	 
	
      By:
	
      /s/
      Carmelo Spinella
	 
	 	
           
      Carmelo Spinella
	 
	
      Its:
      Senior
      Vice President
	 

 

3

 

EXHIBIT
10(v) 

FIFTH
AMENDMENT TO LEASE

This
FIFTH AMENDMENT TO LEASE ("Fifth
Amendment") is
made and entered into as of the 28th day of June, 2004, by and between BFWV,
LLC, a Delaware limited liability company ("Landlord"),
successor-in-interest to Tishman Warner Center Venture, LLC, and
21st CENTURY
INSURANCE GROUP, a Delaware corporation, formerly known as 20th Century
Industries ("Tenant").

R
E C I T A L S

C.     Tenant
and Landlord's predecessor in interest entered into that certain Office Lease
dated April 8, 1998 (the "Original
Lease"),
whereby Tenant leased those certain premises consisting of the entirety of each
of the second (2nd) through
seventh (7th) floors
and all of the occupiable area of the first (1st)
(ground) floor (the "Initial
Premises") of
that certain building located at 6303 Owensmouth Avenue, Woodland Hills,
California (the "Building"). The
Original Lease has previously been amended by the First Amendment to Lease dated
as of June 30, 1998, the Second Amendment to Lease dated as of July 13, 1998,
the Third Amendment to Lease dated as of February 14, 2000, and the Fourth
Amendment to Lease dated as of August 31, 2000, and, as so amended, is
hereinafter referred to as the "Lease."

D.     Landlord
and Tenant now desire to further modify and amend the Lease as provided in this
Fifth Amendment.

A
G R E E M E N T

NOW,
THEREFORE, in consideration of the foregoing recitals and the mutual covenants
contained herein, and for other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto agree as
follows:

8.     Capitalized
Terms. All
capitalized terms when used herein shall have the same meaning as is given such
terms in the Lease unless expressly superseded by the terms of this Fifth
Amendment.

9.     Payments
to Landlord With Respect to Costs of Management. 

Notwithstanding
anything to the contrary in Sections 3.2 of the Lease, Landlord and Tenant each
hereby agree that, effective as of July 1, 2004, Tenant shall pay, without prior
notice or demand, to Landlord, as the management fee component of Operating
Expenses, an amount equal to one percent (1%) of the sum of Base Rent and
Additional Rent (excluding the portion of Additional Rent attributable to the
management fee) payable by Tenant under the Lease. Thus, by way of example, if
in any year Tenant were to owe $12,500,000 in Base Rent and Additional Rent
(which amount would include all Base Rent and Additional Rent payable by Tenant
in connection with the Project but would not include that portion of Additional
Rent attributable to the management fee), then the management fee payable that
year would be $125,000 (for the entire Project). For purposes of calculating the
management fee payable from July 1, 2004, through December 31, 2004, Landlord
and Tenant agree that the sum of Base Rent and Additional Rent payable by Tenant
(for the entire Project) is projected to be $6,050,000 for the six months from
July 1, 2004, through December 31, 2004, but such sum will be reconciled based
on actual amounts payable by Tenant. Accordingly, the estimated monthly
management fee component of Operating Expenses paid by Tenant from July 1, 2004,
through December 31, 2004, will be $60,500 for the entire Project. This
estimated payment will be apportioned between this Lease and the lease for the
Adjacent Building on a pro-rata basis based on the total amount of Base Rent and
Additional Rent payable under each respective lease. In all years during the
Lease Term and any Renewal Option Term , the management fee will be payable in
equal monthly payments in advance in the same manner as the payment of
Additional Rent. Except with respect to 2004, estimated payments will be based
on the sum of Base Rent and Additional Rent during the last year for which a
reconciliation has been completed. Thereafter, such amount will be reconciled
when the actual amounts payable under the Lease are known in accordance with
Section 3.5 of the Lease. Landlord shall have all of the rights and remedies
with respect thereto that it has under the Lease with respect to payments of
Rent. Such payments shall be made in such amounts unconditionally and
irrespective of the amount of Landlord's actual costs and expenses incurred in
connection with the management of the Building and/or the Premises. Section
3.3.4 (EE) of the Lease is hereby deleted in its entirety, as the payment of the
management fee will be governed by the terms of this paragraph.

 

4

10.     Adjustment
to Base Rent.
Effective as of July 1, 2004, Section
6 of the
Summary Of Basic Lease Information is hereby amended in its entirety to read as
follows:

	
      "6.
      Base Rent (Article 3):
	 	 	 	 
	
      Portion
      of Lease Term

         
	 	
      AnnualBase
      Rent

        
	 	
      Annual
      Rental Rate 

      per
      Rentable Square Foot

      of
      thePremises

        

	
      07/01/2004
      - 02/14/2010
	 	
      $4,853,842.20
	 	
      $27.165

	
      02/15/2010
      - 02/28/2015
	 	
      $5,121,862.20
	 	
      $28.665

11.    Additional
Changes to Lease.

a.    Effective
as of July 1, 2004, for purposes of Section
3.3.6 and
Section
3.3.6.1 of the
Lease and all other applicable provisions of the Lease, the Tax Expenses
allocable to or attributable to the Building and/or the Premises shall be
conclusively deemed to be sixty percent (60%) of the Tax Expenses attributable
to the entire Project. 

 

5

b.     Effective
as of the date hereof, Section 7.2 of the Summary and the portions of Section
3.2 of the Lease that provide for an adjustment to the Annual Direct Expense
Allowance are hereby amended to provide that the Annual Direct Expense Allowance
is $8.13 per rentable square foot of the Building.

c.     Effective
as of the date hereof, the notice address for Landlord set forth in Section
19.5 of the
Lease is hereby amended in its entirety to read as follows:

BFWV,
LLC

c/o
BentleyForbes

2049
Century Park East, Suite 2150

Los
Angeles, California 90067

Attention:
C. Frederick Wehba II

12.    Entire
Agreement; Amendment. The
Lease, as amended by this Fifth Amendment, constitutes the full and complete
agreement and understanding between the parties hereto and shall supersede all
prior communications, representations, understandings or agreements, if any,
whether oral or written, concerning the subject matter contained in the Lease,
as so amended, and no provision of the Lease, as so amended, may be modified,
amended, waived or discharged, in whole or in part, except by a written
instrument executed by all the parties hereto.

13.    Authority. Each
person executing this Fifth Amendment represents and warrants that he or she is
duly authorized and empowered to execute it, and does so as the act of and on
behalf of the party indicated below.

14.    Force
and Effect. Except
as modified by this Fifth Amendment, the terms and provisions of the Lease are
herby ratified and confirmed and are and shall remain in full force and effect.
Should any inconsistency arise between this Fifth Amendment and the Lease as to
the specific matters which are the subject of this Fifth Amendment, the terms
and conditions of this Fifth Amendment shall control. This Fifth Amendment shall
be construed to be a part of the Lease and shall be deemed incorporated in the
Lease by this reference.

15.    Counterpart
Signatures.
This
Fifth Amendment may be executed in counterparts, each of which shall be an
original and when all counterparts are taken together they will constitute one
and the same agreement.

IN
WITNESS WHEREOF, this Fifth Amendment has been executed as of the day and year
first above written.

 

	
      TENANT:
	
      LANDLORD:

	 	 
	 	 
	
      21st
      Century
      Insurance Group, a
      Delaware corporation
	
      BFWV,
      LLC, a Delaware limited
      liability company

	 	 
	
      By:
	
      /s/
      Richard A. Andre
	
      By:
      BF Holdings 2001 II, LLC, its managing member

	 	
           
      Richard A. Andre
	 
	
      Its:
      Senior
      Vice President
	 
	 	 
	 	
      By: 
      /s/C.
      Frederick Wehba II

	 	
             
      C. Frederick Wehba II, 

	 	
             
      Manager 

	 	 
	
      By:
	
      /s/
      Carmelo Spinella
	 
	 	
           
      Carmelo Spinella
	 
	
      Its:
      Senior
      Vice President
	 

 

 

6

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00078-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00078-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00078-of-00352.parquet"}]]