Document:

Voluntary Agency Agreement

 Exhibit 10.22 

VOLUNTARY AGENCY AGREEMENT 

with 
 Heritage MGA, LLC

 This AGREEMENT made and entered into as of the 16th day of December, 2013 by and
between Heritage MGA, LLC (“HMGA”), A Florida Limited Liability Company with its principal office at: 700 Central Avenue, Suite 304, Saint Petersburg, FL 33701; and Faia Member Services Inc. (hereinafter ‘Agent’), whose principal
address is 3159 Shamrock South Tallahassee, FL 32309. 
 I. Agent Representations, Warranties, Duties, Authorities, and Limitations on
Authority 
 1. Agent Representations and Warranties. 

1.1 Agent includes but is not limited to Agent’s owners, officers, directors, employees, representative, customer service representatives and insurance
agents. 
 1.2 Agent possesses the skillset and licenses required to solicit, receive and accept proposals, bind, and provide all usual and customary
services of an insurance agent on all insurance contracts placed by the agent as it pertains to property and casualty insurance. 
 1.3 Agent is and will be
for the term of this agreement, licensed by, and in good standing with the Florida Department of Financial Services, and entitled to engage in the business of property and casualty insurance and appropriately licensed for the functions they perform
under all applicable insurance laws, rules and regulations of the territories assigned pursuant to the terms hereof, for the lines and classes of insurance business for which it is authorized hereunder, and that its business is and shall be
conducted in full compliance with such laws, rules and regulations. 
 1.4 There are no lawsuits, claims, administrative proceedings or investigations
pending or threatened against Agent. 
 1.5 Agent’s license as an insurance agent has never been revoked, suspended or terminated in any jurisdiction,
or threatened to be revoked, suspended, or terminated in any jurisdiction and Agent has never been subject to any disciplinary proceeding as it pertains to its license as an insurance agent or insurance agency. 

1.6 The execution and delivery of this agreement by Agent, and Agent’s performance of this agreement will not violate any law, rule, regulation,
judgment, decree, order, agreement, and/or contract which Agent is subject or bound. 
 2. Agents Authorities and Duties. 

2.1 Appointment. 
 2.1 (a) Agent is authorized to
transact insurance on behalf of HMGA in accordance with any state, federal, or other applicable law, in accordance with this agreement, and the underwriting rules and guidelines set forth by HMGA and as they may be amended from time to time. 

2.1 (b) Agent is authorized bind, receive and accept proposals for insurance contracts as permitted for HMGA and within the lines of business authorized
in Schedule 1, Section A and within limits and underwriting guidelines established by the HMGA. 

  
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 2.1 (c) Agent is authorized bind, receive and accept proposals for insurance contracts as permitted for HMGA
and within the lines of business authorized in Schedule 1, Section B when those lines of business become available and within limits and underwriting guidelines established by the HMGA. 

2.1 (d) It is Agents duty to provide all usual and customary services of an insurance agent on all insurance contracts placed by the Agent, including but not
limited to, servicing, delivering, and forwarding renewals and endorsements. 
 2.2 Territory. Agent is authorized to transact insurance on behalf of
HMGA in the territories approved by HMGA. The approved territory includes the state of Florida but may be further limited to specific counties, zip codes, and any other geographical restrictions set forth in the underwriting guidelines and may be
subject to change at the discretion of HMGA. Agent is not the exclusive agent for HMGA, and this territory is not assigned exclusively to Agent. 
 2.3
Claims. Agent shall fully report to HMGA all losses and claims immediately upon receiving knowledge thereof. Agent has no power or authority to settle or adjust claims or losses unless specifically authorized by HMGA in writing. 

2.4 Insurance. 
 2.4 (a) The Agent shall have and
maintain Errors and Omissions coverage for the Agent and all Agency staff, agents and representatives thereof in an amount not less than $500,000 per occurrence and not less than $1,000,000 on an annual aggregate basis. 

2.4 (b) The Agent shall continue to maintain Errors and Omissions coverage with at least the same minimum limits during the original term and any
renewals of this Agreement covering the Agent and representatives. 
 2.4 (c) The Agent shall notify HMGA within three (3) days of any
cancellations, terminations, or modifications to the coverage. 
 2.4 (d) The Errors and Omissions coverage shall be issued by an insurer with at least
a “A-” rating authorized to do business in the State in which the Agent is licensed and produces policies. 
 2.4 (e) Proof of the Errors and
Omissions coverage required by this provision shall be provided by the Agent to HMGA upon request by HMGA. HMGA reserves the right to verify coverage at any time. 

2.4 (d) Agent agrees it will maintain worker’s compensation insurance and other appropriate coverages as required by law. 

2.5 Record and Accounts. 
 2.5 (a) Agent shall ensure
that all original documents and applications are signed by the prospective insured and shall be kept under the Agent’s control for any minimum period that may be required by the rules and regulations of the state in which Agency is producing
business. 
 2.5 (b) All books, accounts, correspondence and other records of Agency relating to business transacted pursuant to this Agreement shall, at
all times, be open to inspection by HMGA or their designated representative, and HMGA may make copies thereof before or after the termination of this Agreement. 

2.6 Fiduciary Responsibility. All premiums received by Agent and due to HMGA shall be held by Agent in a fiduciary capacity and as trustee for HMGA
until delivered to HMGA. Agent shall perform faithfully its duties as Agent, and shall protect and further at all times the best interests of HMGA. In the event that an agent shall collect or receive any such premiums or monies, the Agent shall
thereupon promptly account for such amount and deliver the same, within 24 hours to HMGA without offset or deduction. No policy, certificate, or endorsement shall directly or indirectly be sold, issued or delivered at any rate other than the
approved rates authorized in HMGA’s underwriting guidelines. 

  
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 3. Limitations on Agent’s Authority. 

3.1 Agent may only bind insurance within HMGA’s binding restrictions, which may be revoked or limited at any time by HMGA. 

3.2 Agent agrees to be bound by the prevailing published underwriting guidelines in force at the time that the insurance to which such underwriting guidelines
relate is placed by Agent under this Agreement. If any other term of this Agreement limits Agent’s authority to specific coverage’s or otherwise restricts Agent, receipt by Agent of any underwriting guidelines shall not operate to expand
Agent’s authority. 
 3.3 The agent shall have no authority to waive or modify any term of the insurance policy. 

3.4 Agent shall have no authority to broker any business hereunder, or to share Commission with another broker or agent not employed by or associated with
Agent. No employee of Agent shall bind or place any application for insurance with any Insurance Company unless appointed by that company as required by law. 

3.5 All of the foregoing authority and powers shall be subject at all times to compliance by HMGA and Agent with all local, state, and federal laws, and to
all terms and conditions of the Agreement hereinafter set forth. 
 3.6 Agent agrees that he will not use the name, trade name, logo, trademark or other
intellectual property of HMGA in any advertising without prior written approval by HMGA. 
 3.7 Cancellation. 

3.7 (a) Agent shall have no authority to send a notice of non-renewal or cancellation. Agent shall request from HMGA cancellation for causes inherent in
the particular risk or risks insured where such cancellation is deemed by Agent to be for the best interest of HMGA. 
 3.7 (b) Nothing in this
Agreement shall require HMGA to cancel or non-renew any policy in contravention of applicable law or regulatory directives. 
 II. HMGA
Representations, Warranties, Duties, Authorities, and Limitations on Authority 
 1. HMGA Representations and Warranties 

1.1 HMGA is a Florida Corporation duly licensed and authorized by the Florida Office of Insurance Regulation as an insurer and authorized to issue insurance
policies in the State of Florida in the lines of business outlined in Schedule 1, Section A to this agreement. 
 1.2 HMGA expects to be authorized, at a
future date, to issue insurance policies in the state of Florida in the lines of business outlined in Schedule 1, Section B to this agreement. Agent is hereby authorized to transact insurance business on behalf of HMGA in the following lines of
business at the future date in which HMGA is authorized by the State of Florida to offers such lines of business. 
 1.3 The execution and delivery of this
agreement by HMGA, and HMGA’s performance of this agreement will not violate any law, rule, or regulation, judgment, decree, order, agreement, or contract which HMGA is subject or bound. 

2. HMGA Authorities and Duties 
 2.1 HMGA
shall provide underwriting guidelines to Agent for the lines or classes of insurance with respect to which HMGA has authorized Agent. HMGA may at any time change or alter any underwriting guidelines or place restrictions on binding authority. 

  
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 2.2 HMGA will furnish to Agent, at HMGA’s expense, such policies, forms, stationery, advertising materials,
registers, and other supplies, as HMGA may deem necessary. All such materials and instruments shall remain the property of HMGA, and shall be returned by Agent to HMGA upon demand by HMGA. 

2.3 Direct Pay. HMGA reserves the right to directly bill the policyholder for all renewal premiums, and/or additional premiums, and to collect payment
for and such premiums. Upon initially binding a new policyholder, Agent may collect premiums in such form as approved by HMGA. Unless otherwise agreed to in writing by HMGA, the agent shall not have any ongoing right or authority to receive or
collect premiums or other monies for or on behalf of HMGA in those instances in which HMGA has exercised its right to directly bill the policy holder. 

2.4 Agent Compensation and Commission. 
 2.4
(a) Agent will be paid commission by HMGA upon compliance by Agent with the terms of this Agreement. Agent will receive compensation as a commissions based on the “Net Premiums Written” pursuant to the commission schedule attached as
Schedule 2 to this agreement. “Net Premiums Written” shall mean gross premiums written less return premiums on cancellations or endorsements. 

2.4 (b) HMGA has the right to offset any outstanding balances including, but not limited to, unearned commissions on return premiums or any other
liability or obligation whatsoever of the Agent to HMGA against future compensation under this Agreement. 
 2.4 (c) HMGA reserves the right to change the
commission at any time, in its sole discretion upon forty-five (45) days notice to Agent. As soon as practicable after the close of each month, HMGA will forward to Agent a monthly statement of transactions completed during the month and
payment for commissions due on the “Net Premiums Written”. If return commissions are due, Agent will promptly remit payment in full to HMGA. 

2.5 Cancellations. HMGA reserves the right to cancel or non-renew any policy without the agent’s approval or involvement by direct notice to the
insured duly furnished in accordance with applicable law. The agent is deemed to have waived any right to receive notice of intent to cancel or non-renew a policy prior to mailing or delivery of such notice to the insured. Nothing in this Agreement
shall require HMGA to cancel or non-renew any policy in contravention of applicable law or regulatory directives. 
 III. Termination,
Succession, and/or Assigns of Agency 
 1. Termination 

1.1 This Agreement is continuous until canceled or terminated as follows: 

1.1 (a) immediately upon cancellation, suspension or revocation of Agent or Agency’s insurance license with respect to any state by governmental or
regulatory authority having jurisdiction; or 
 1.1 (b) immediately upon failure to comply with the laws, rules or regulations of any governmental or
regulatory authority having jurisdiction; or 
 1.1 (c) immediately upon the effective date of the sale or transfer of the Agent’s business unless
HMGA has given prior written consent; or 
 1.1 (d) immediately upon an event of “change of control” as defined in Section III, 2.2 unless HMGA
has given its prior written consent; or 
 1.1 (e) immediately upon written notice by HMGA in the event that the Agent has failed to promptly comply
with any of its duties and obligations under this Agreement; or 
 1.1 (f) immediately upon either party giving written notice to the other of
abandonment, bankruptcy, receivership, liquidation, assignment, fraud, insolvency or perceived threat of insolvency, gross, willful or negligent misconduct on the part of such other party or of insecurity of either party with the business operations
of the other party; or 

  
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 1.1 (g) immediately upon dissolution of Agency; or 

1.1 (h) 45 days immediately following death of Agent or Agency principal unless HMGA gives written consent to its successors; or 

1.1 (i) by either party giving written notice of termination to the other party not less than 45 days prior to the effective date of termination. 

1.2 All notices mentioned shall be furnished in accordance with Section VI, 3 of this agreement. 

1.3 Upon termination of this Agreement all privileges theretofore granted to the Agent by HMGA shall be automatically and simultaneously terminated. However,
the Agent shall continue to fulfill its duties and obligations under this Agreement as to policies written prior to termination of this Agreement until all of such policies written have been non-renewed or canceled. 

1.4 The Agent shall immediately pay to HMGA any return commissions which may thereafter become due to HMGA upon subsequent cancellation or reduction of
liability or of any other funds or premium on risks written by and credited to the Agent during the term of this Agreement. 
 1.5 Upon termination of this
Agreement, the Agent shall immediately cause to be delivered to HMGA all property of HMGA including, but not limited to, unused drafts, policies, manuals, forms, etc. If the Agent fails to deliver such items, the Agent shall bear any expenses which
HMGA may incur in obtaining such items and shall be liable for losses resulting in whole or in part from the Agent’s failure to immediately deliver such property to HMGA. In the event unused or canceled policies, or unused drafts, cannot be
accounted for by the Agent, the Agent hereby agrees to protect, indemnify, hold harmless and forever defend the HMGA against all persons and claims whatsoever on said policies and drafts. 

1.6 If Agent has, within forty five (45) days of the termination of this Agreement, accounted for and paid HMGA all premiums for which it may be liable,
Agent’s records and the use and control of expirations shall be vested in Agent; provided that if Agent has not within such forty five (45) day period accounted for and paid HMGA all premiums for which it may be liable, then Agent will be
liable for all costs incurred by HMGA to collect outstanding balances together with interest, and ownership of all Agent’s records and use and control of all policies placed under this Agreement shall be the sole and exclusive properly of HMGA.
If the Agent either is in default under any provision of this Agreement or fails upon termination of this Agreement to satisfy all of its obligations to HMGA, all expirations and renewals shall be the property of HMGA. 

2. Succession to the Agency 
 2.1 If Agent has succeeded
to and carries on any agency formerly owned or conducted by another, Agent shall pay return commissions on return premiums on such business in the same manner and to the same extent as upon Agent’s own business unless the parties have
specifically otherwise agreed, and the written consent of HMGA to such agreement has been endorsed hereon. 
 2.2 Agency shall notify HMGA in writing at
least thirty (30) days in advance of any of the following occurrences, each of which shall be deemed a “Change of Control”: 
 2.2 (a) A
sale, transfer or pledge, or the issuance to a new shareholder, of 10% or more of the voting stock of the Agency; or 
 2.2 (b) A sale, transfer or
pledge of a substantial portion of the material assets of the Agency, or any merger or consolidation of the Agency with another entity or entities; or 

2.2 (c) A change in any director or principal officer of the Agency. 

  
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 2.3 If Agent sells said Agency prior to notice and written consent of HMGA, the Agent remains liable for
unauthorized acts of the new owners. Until HMGA has consented to such change in ownership, the authority of Agent pursuant to the terms hereof is suspended. 

3. Assigns 
 3.1 All terms and conditions of this
Agreement shall inure to the benefit of and be binding upon, the parties hereto, their successors, heirs, administrators and assigns; provided however, that Agent may not assign this Agreement without the prior written consent of HMGA. 

IV. Applicable Law, Venue, and Attorneys Fees 

1. Applicable Law 
 1.1 This Agreement and performance
hereunder shall be construed with and governed by the laws of the State of Florida, without regard to choice of law provisions. Any provision in this Agreement which is contrary to applicable law is hereby deemed to be amended to bring it in
compliance with that law. 
 2. Venue 
 2.1 Venue for
any dispute arising under or relating to this Agreement shall properly lie in the circuit court for Pinellas County, Florida (and in the United States District Court for the Middle District of Florida in the event that any suit may be properly
brought in federal court). 
 3. Attorneys Fees 
 3.1 If
Agent or HMGA should bring a Court action alleging breach of this Agreement or seeking to enforce, rescind, renounce, declare void or terminate this Agreement or any provisions thereof; the prevailing party shall be entitled to recover all of its
legal expenses, including reasonable attorney’s fees and costs (including legal expenses for any appeals taken), and to have the same award included in the judgment in the proceeding(s) in which such legal expenses and attorney’s fees were
incurred. If Agent fails to pay funds due to HMGA as anywhere provided in this Agreement, including but not limited to premiums, Agent shall pay HMGA (in addition to all sums otherwise due) interest which shall accrue at 1.5% per month on such
delinquency from the date as provided herein; provided that if such rate of interest is greater than the maximum allowable by law, this provision shall be deemed to be modified to provide for interest at the highest rate allowable by law. 

V. Indemnity & Confidentiality 

1. Indemnification 
 1.1 Agent shall indemnify and hold
harmless HMGA, their officers, directors, employees, representatives and designees from any liability, damage, claims or causes of action with regard to any and all losses, claims, damages, fees and expenses, including legal or other expenses
reasonably incurred or paid by HMGA on account of any negligent or intentional wrongful act, error or omission of the Agent or its agents and representatives in the rendering of services pursuant to this Agreement or any breach or default hereof.

 1.2 HMGA shall indemnify and hold harmless Agent and its officers, employees and representatives from any liability, damage, claims or causes of action
with regard to any and all losses, claims, damages, fees and expenses, reasonably incurred or paid by the Agent on account of any grossly negligent act of HMGA in the performance of any duty set forth in this Agreement or any breach or default
hereof except to the extent that the Agent or its representatives caused such liability or damage. 
 2. Confidentiality 

2.1 Disclosure of Non-Public Personal Information. Agent agrees and covenants that Agent will safeguard nonpublic personal information (“Customer
Information”) consistent with the terms of this Agreement and as modified by state and federal privacy rules and regulations, including Title V of Gramm-Leach-Bliley (“Privacy Laws”), from

  
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improper or illegal use, or exposure to, or appropriation by, unauthorized persons. “Customer Information” is generally defined as information that is provided by a consumer or
customer, obtained by HMGA or Agent, or that results from the customer or consumer’s transactions with HMGA or Agent. Customer Information does not include information available to the general public. Agent agrees to maintain physical,
electronic and procedural safeguards that comply with applicable Privacy Laws in order to protect Customer Information. Agent also agrees to restrict access to Customer Information to only those individuals who need to know that information and only
in those circumstances authorized by Privacy Laws in order to provide products or services to a customer or consumer. Agent warrants that it and all its employees, agents, affiliates, and third parties will adhere to Privacy Laws and privacy
standards of HMGA, and Agent will use Customer Information only for legitimate business purposes. Agent shall not disclose any Customer Information about customers, consumers, or former customers or consumers to anyone, except as permitted by law.
Agent agrees it will not use or share any personally identifiable health information about a customer or consumer except as authorized by law. Personal Information to affiliates or third parties on a need-to-know basis only to enable the Agent to
perform its contractual obligations hereunder. 
 2.2 Security of Commercial Information. All confidential and proprietary information, including but
not limited to: trade secrets, financial data, claims information, fees, computer software, business procedures and manuals, this Agreement, data, review criteria, contract rates, customers, policyholders, agents or other information or data related
to HMGA (the “Confidential Information”) shall not be disclosed, except as provided herein, without the express written approval of HMGA. Such Confidential Information shall be disclosed only to those persons or entities that have a need
to know and only to the extent necessary to carry out the terms of this Agreement. 
 VI. Miscellaneous Provisions 

1. Independent Contractor Status 
 1.1 Nothing herein shall
create the relationship of employer and employee between HMGA and Agent or its employees or representatives. The relationship between Agent and HMGA shall be that of independent contractor. 

1.2 Agent shall have no power or authority to incur any expenses in the name of or on behalf of HMGA. All expenses of the Agent, including but not limited to,
rentals, salaries, supplies not furnished by HMGA, postage, advertising, appointment fees, local license fees, attorney’s fees, utilities, and the cost of equipment shall be borne solely by the Agent. 

2. Alterations 
 2.1 This Agreement may be amended at any
time by the mutual agreement of the Agent and HMGA except as provided in Section VI, 2.2. No such mutually agreed amendment shall be effective unless and until reduced to writing, on paper, and signed with a mutual wet ink signature. 

2.2 The commission schedule may be revised by mutual agreement between HMGA and Agent, or unilaterally by HMGA upon written notice to Agent. The revision
shall act as an amendment to the Commission Schedule and shall be effective on the date specified in the notice for all policies or endorsements written or renewed after the date specified in such notice, without further action required by HMGA or
Agent. 
 2.3 The Agent hereby agrees, in the interest of record-keeping, to sign a copy of any revisions to this Agreement provided by HMGA if so requested
by HMGA. However, the signing of such revisions or failure to do so shall not be a condition to their effectiveness or otherwise alter this Agreement. 

3. Notices 
 3.1 Any and all notices, designations,
consents, offers, acceptances or any other communication provided for herein (“notice”), shall be given in writing by certified mail, by hand delivery, express overnight courier or by facsimile transmission. 

  
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 3.2 All notices sent by certified mail shall be deemed delivered on the second regular business day after the
postmark. All notices sent by express overnight courier shall be deemed delivered on the business day after pickup by the courier. All notices sent by hand delivery, or facsimile transaction shall be deemed delivered on the day of hand delivery, or
facsimile transmission unless delivered or transmitted after 5:00 p.m., whereupon, delivery shall be deemed effective on the next regular business day. 

3.3 All notices shall be addressed to Agent or HMGA at their respective address and facsimile number as indicated in this Agreement, or to such other
respective address and facsimile number as HMGA or Agent shall designate to the other by notice in writing, provided that notice of a change of address or facsimile number shall be effective only upon receipt. 

4. Electronic Signatures 
 4.1 Agent agrees that by using
any E-mail, Internet or other electronic medium for quotes or other transactions with HMGA, Agent is agreeing to conduct the transaction of insurance in electronic form. Agent understands and agrees that Agent is signing and authenticating the
E-mail or Internet form and agreeing to be legally bound to the same extent as if Agent had manually signed and delivered to HMGA a signed form. Agent also understands and agrees that a record of any E-mail or Internet form or transaction may be
stored in electronic form by HMGA. Agent intends those transmissions of any E-mail or Internet transactions or inquiries, and any electronic records of them, to be Agent’s legal signature. Agent expressly waives any claim or defense that any
E-mail or Internet form or transaction does not constitute an original and authentic written signature, duly executed and delivered by Agent. Agent will ensure compliance substantially similar to provisions herein and with federal and state laws for
any electronic documents and transactions with its customers or consumers. 
 5. Invalidation 

5.1 Should any part of this Agreement for any reason be declared invalid, such decision shall not affect the validity of any remaining portion, which remaining
portion shall remain in full force and effect as if the Agreement had been executed with the invalid portion thereof eliminated. 
 6. Construction of
Agreement 
 6.1 Words of a gender used in this Agreement shall be held to include any other gender, the words in a singular number held to include the
plural and vice versa, when the sentence so requires. 
 7. Entire Agreement 

7.1 This Agreement, along with the attached schedules and any other supplemental addendums, schedules, or attachments contains the entire and complete
agreement among the parties and each of the parties hereto agree that there are no prior or contemporaneous agreements, promises, or representations that are not set forth herein. 

IN WITNESS WHEREOF, the parties have executed this Agreement or caused this Agreement to be duly executed by a corporate officer on the aforementioned date.

  

									
	Agent:	 	Faia Member Services, Inc.	 		 	Heritage MGA, LLC, A Florida Limited Liability Company
				
		 	/s/ David D. Burt	 		 	/s/ Kent Linder
	Name:	 	David D. Burt	 		 	Name:	 	Kent Linder
	Title:	 	VP & Managing Director	 		 	Title:	 	Chief Operating Officer

  
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 Exhibit 10.23 

ADMINISTRATIVE SERVICES AGREEMENT 

This Administrative Services Agreement (“Agreement”) is entered into this 1st
day of January, 2014 (the “Effective Date”) by and between FLORIDA ASSOCIATION OF INSURANCE AGENTS, INC. (“FAIA”) and HERITAGE PROPERTY & CASUALTY INSURANCE COMPANY (“Heritage”). 

1. PURPOSE, SCOPE AND BACKGROUND. 

(a) The principle purpose of this Agreement is for FAIA to permit, under certain conditions, the use of its trade name, logo, and trademark(s)
by Heritage in connection with a program (the “Program”) in which Heritage may promote the following insurance products (the “Products”) to members of FAIA (“Members”): Homeowners and Dwelling Fire. 

(b) FAIA’s duties and responsibilities under this Agreement and under the Program shall be limited to FAIA permitting the use of its
trade name, logo, and trademark(s) for the Program. In return, FAIA will receive royalties for the use of its trade name, logo, and trademark(s). 

2. RESPONSIBILITIES OF HERITAGE. (a) Heritage agrees to fulfill any and all of its obligations, duties, and undertakings
contained in and throughout the term of that certain Marketing Services Agreement (“Marketing Services Agreement”) executed contemporaneously with this Agreement by and between Heritage and FAIA Member Services, Inc. (“FMS”).

 (b) Heritage agrees to maintain the confidentiality of the terms and conditions of this Program unless disclosure is required by law.

  
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 (c) Heritage shall be responsible for compliance with state and federal laws and regulations
relating in any way to the Program. 
 (d) Heritage agrees to pay the Royalty Fees as outlined in section 4 hereof. 

3. RESPONSIBILITIES OF FAIA. 

(a) During the term of this Agreement and so long as Heritage complies with the terms and conditions of this Agreement including, but not
limited to, all of its obligations as described in Section 2 of this Agreement, FAIA agrees to grant a limited, nonexclusive license to use FAIA’s trade name, logo, and trademark(s) solely in connection with promotion of the Program. 

(b) Heritage shall use FAIA’s trade name, logo, and trademark(s) solely to promote the products of Heritage to the Members of FAIA, and
for no other purposes. It is understood by Heritage that the trade name, logo, and trademark(s) of FAIA are proprietary to FAIA and nothing in this Agreement constitutes a grant of a general license to use said rights. 

(c) FAIA agrees to maintain the confidentiality of the terms and conditions of this Program unless disclosure is required by law. 

4. ROYALTY FEE. 

(a) In consideration of the use of FAIA’s name and logo as provided in this Agreement, during the Term of this Agreement Heritage shall
remit to FAIA on a quarterly basis, a royalty fee on premiums collected by Heritage on the sale of its products (the “Premiums”) as follows: 

  
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 (b) The royalty fee shall be paid to FAIA only after deducting $600 per quarter to pay for
certain expenses incurred by FAIA Member Services, Inc. in marketing the Program and the royalty fee shall be paid within fifteen days of the end of a calendar quarter such that payments will be due on
April 15, July 15, October 15, and January 15 of each year. In any quarter in which this contract is not in effect for the entire quarter, payment shall be made on the above referenced date (corresponding with the
shortened quarter) based upon the period of time (during such quarter) that the contract was in effect. 
 5. INDEPENDENT
CONTRACTORS. FAIA and Heritage are independent contractors, and as such have to maintain control over all their respective employees, agents and operations. Neither party shall be the agent, representative, employee or servant of the other
party. 
 6. TERM OF AGREEMENT; TERMINATION. 

(a) This Agreement will begin on January 1, 2014, and continue in force until December 31, 2014 (the “Initial Term”). The
Agreement will automatically renew for consecutive 12 month periods thereafter unless either party notifies the other in writing no less than 90 days prior to the expiration date that it wishes to terminate this Agreement effective at the end of the
then-current term. Notwithstanding the foregoing sentence, the Agreement may be terminated immediately by FAIA if any monies due to FAIA under Section 4 of this Agreement are not paid in full and within ten (10) days of Heritage’s
receipt of written notice from FAIA of Heritage’s failure to pay the amount due and within the time frames provided by Section 4. 

  
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 (b) This Agreement may be terminated at any time by Heritage by written notice to FAIA specifying
the effective date of such termination, which shall not be less than 10 days thereafter, for the breach, non-performance, or violation by FAIA, or any person for who FAIA may be responsible, of any material provision, term or condition hereof.
Heritage must permit FAIA to rectify such breach, non-performance, or violation within ten business days after receipt of written notice from FAIA or where cure would take longer, to commence to cure within five (5) business days and continue
in good faith to cure thereafter to the satisfaction of Heritage. However, in no event shall the right to cure referenced above be extended beyond a thirty (30) day period, which period shall begin on the date that written notice is provided
under this section 6(b). 
 (c) This Agreement may be terminated at any time by FAIA by written notice to Heritage specifying the effective
date of such termination, which shall not be less than ten days thereafter, for breach, non-performance, or violation by Heritage or any person for whom Heritage may be responsible, of any material provision, term, or condition hereof. FAIA must
permit Heritage to rectify such breach, non-performance, or violation within ten business days after receipt of written notice from FAIA or, where cure would take longer, to commence to cure within five (5) business days and continue in good
faith to cure thereafter to the satisfaction of FAIA. However, in no event shall the right to cure referenced above be extended beyond a thirty (30) day period, which period shall begin on the date that written notice is provided under this
section 6(c). 
 (d) This Agreement shall be terminated immediately in the event that FAIA or Heritage shall become insolvent or bankrupt or
commit an act of bankruptcy, make an assignment for the benefit of creditors or enter into rehabilitation by its domicile state. 

  
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 (e) This Agreement shall terminate upon any termination of the Marketing Services Agreement
entered into by and between Heritage and FMS relating to the Program. 
 (f) In the event of sale, transfer or merger of FAIA, upon prior
written notice, and at Heritage’s sole option, Heritage may consent to the transfer and assumption of this Agreement to a successor organization. Consideration of such request will be timely and consent will not be unreasonably withheld. In the
absence of such consent from Heritage, this Agreement shall terminate automatically upon the effective date of the sale, transfer or merger of FAIA. 

(g) In the event of sale, transfer or merger of Heritage, upon prior written notice, and at FAIA’s sole option, FAIA may consent to the
transfer and assumption of this Agreement to a successor organization. Consideration of such request will be timely and consent will not be unreasonably withheld. In the absence of such consent from FAIA, this Agreement shall terminate automatically
upon the effective date of the sale, transfer or merger of Heritage. 
 (h) All termination provisions of this section are subject to the
laws of Florida and any dispute under this agreement will be resolved in Florida under the laws of the State of Florida. 
 (i) Should the
parties wish to modify this Agreement, no such modification is effective unless made in writing and signed by both parties. 
 (j) The
relationship between the parties hereto shall be limited to the performance of services agreed to herein. No liability shall be incurred by any of the parties except that of the performance of the responsibilities outlined in this Agreement. 

  
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 (k) If this Administrative Services Agreement is terminated pursuant to any subsection of this
Section 6, any royalty fees or other compensation earned as of the effective date of the termination shall be paid. 
 (l)
Notwithstanding the foregoing, should Heritage terminate this Administrative Services Agreement during the Initial Term for any reason other than as provided in subsection (b) or (f) of this section 6, Heritage shall pay to FAIA an amount equal
to Twelve Thousand Five Hundred and 00/100 dollars ($12,500.00) less all royalty fees paid by Heritage to FAIA from the Effective Date to the termination date (not to fall below zero dollars). 

(m) Upon expiration or termination of this agreement by Heritage for any reason, or FAIA for good cause, Heritage (or its successors) agrees
to continue paying FAIA the percentage royalty set forth in the “Section 4” of this Agreement for a period of twenty-four months; this provision shall survive termination or expiration of this agreement. In the event that FAIA terminates
this agreement for any reason other than good cause, the payment obligation of Heritage will terminate with the effective date of the termination of this Agreement. Termination of a separate administrating and marketing agreement with FMS for good
cause shall justify termination of this Agreement for good cause. This provision shall survive termination or expiration of this Agreement. 

  
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 7. Notices. 

All notices, requests, demands and other communications under this Agreement shall be given in writing. Such notices shall be deemed to have
been given when delivered in person or three (3) business days after being sent via certified mail (Return Receipt Requested) and signed for by an authorized representative of receiving party or upon delivery if sent via a reputable overnight
delivery service and addressed to the appropriate party at its mailing address set forth below: 
  

			
	If to FAIA:	  	Florida Association of Insurance Agents, Inc.
		  	3159 Shamrock South
		  	Tallahassee, FL 32309
		  	Attn: Jeffrey W. Grady, President and C.E.O
		
	If to Company:	  	Heritage Property & Casualty Insurance Company
		  	700 Central Ave., Ste. 500
		  	St. Petersburg, FL 33701
		  	Attn: Mel A. Russell, EVP/Chief Underwriting Officer

 8. Dispute Resolution. 

Each party commits that in the event a dispute should arise under this Agreement or relating in any manner hereto, the parties agree to
attempt to mediate their dispute prior to the commencement of formal litigation (i.e., the filing of a lawsuit or other legal proceeding), using a third party mediator. Any mediation shall take place in Leon County, Florida, unless otherwise agreed
to by both parties. The costs of such mediation shall be equally divided between the parties. Such mediation shall be conducted by each party designating a duly 

  
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authorized officer or other representative to represent the party, with authority to bind the party, and that the parties agree to exchange informally such information as is reasonably necessary
and relevant to the issues being mediated. If such mediation is unsuccessful, then either party shall have the right to initiate litigation in accordance with section 8 below. All mediation proceedings shall be confidential and no information
exchanged in such mediation shall be discoverable or admissible in any litigation involving the parties. In the event a party seeks equitable relief (such as injunctive relief or specific performance), or in the event of an approaching deadline
prescribed by an applicable statute of limitations, then there shall be no requirement that such party utilize the mediation process referred to herein. 

9. Choice of Law and Forum. 

This Agreement shall be construed and governed in accordance with the laws of the State of Florida, without regard to conflict of laws
principles. In the event the parties are unable to mediate their dispute to a satisfactory resolution the parties agree that the Circuit Court in and for Leon County, Florida shall have exclusive jurisdiction to hear and determine any claims or
disputes between the parties arising out of or related to this Agreement. 
 10. Attorney’s Fees: 

In the event of any litigation between the parties hereto with respect to this Agreement, the prevailing party (the party entitled to recover
costs of suit, at such time as all appeal rights have expired or the time for taking such appeals has expired) shall be entitled to recover reasonable attorney’s fees, in addition to such other relief as a court of competent jurisdiction may
award. 

  
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 11. Amendment and Waiver 

No amendment to any provision of this agreement shall be effective unless in writing and signed by both parties. The waiver by either party of
a breach or a default of any provision of this agreement by the other party shall not be construed as a waiver of any succeeding breach of the same or any other provision. 

12. Force Majeure. 
 Neither
party to this Agreement shall be considered in default in the performance of its obligations to the extent that the performance of any such obligation is prevented or delayed by any cause that is beyond the reasonable control of such party. 

  
 9 

 13. INDEMNIFICATION. 

(a) FAIA agrees to indemnify and hold Heritage and its officers, directors and employees harmless for losses, costs, expenses, fines,
penalties, including punitive or exemplary damages and all costs of defense: 
 (i) resulting from any act, error or
omission, whether intentional or unintentional by FAIA and its officers, directors, agents, employees and independent contractors, related to or which arise out of the performance of duties for which it was appointed to perform, except to the extent
caused by Heritage; or 
 (ii) resulting from any obligation, act, or transaction created or performed by FAIA in violation
of, in excess of, or in contravention of the power and authority of FAIA set forth in this Agreement, except to the extent caused by Heritage. 

(b) Heritage agrees to indemnify and hold FAIA and its officers, directors and employees harmless for losses, costs, expenses, fines,
penalties, including punitive or exemplary damages and all costs of defense: 
 (i) resulting from any act, error or omission, whether
intentional or unintentional by Heritage and its officers, directors, agents employees and independent contractors, related to or which arise out of the performance of duties for which it was appointed to perform, except to the extent caused by
FAIA; or 
 (ii) resulting from any obligation, act, or transaction created or performed by Heritage in violation of, in excess of, or in
contravention of the power and authority of Heritage set forth in this Agreement, except to the extent caused by FAIA. 

  
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 14. NO PARTNERSHIP. Nothing herein contained shall be construed to constitute the
parties as partners, nor to constitute any party as the general agent of the other, or in any manner to limit the parties in the conduct of their respective businesses or activities, in the making of other contacts, or in the performance of other
work. 
 15. DIVISIBLE AGREEMENT. Each provision of this Agreement shall be held reviewed as separate and divisible, and
should any provisions to be held invalid or unenforceable; the remaining provisions shall continue to be in full force and effect. 
 16.
ENTIRE AGREEMENT. This Agreement, together with all exhibits, schedules and attachments, constitutes the entire agreement between the parties with respect to the subject matter hereof. This agreement supersedes, and the terms of this
agreement govern, any prior agreements with respect to the subject matter hereof, including the previously signed ASA and MSA, with the exception of any prior confidentiality agreements between the parties, provided further that FAIA acknowledges
and agrees that it does not, nor does, Heritage, have any outstanding monies owed and any other payments or amounts due, to one another in connection with the previously signed ASA and MSA. This Agreement may only be changed by mutual agreement of
authorized representatives of the parties in writing. 

  
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 17. RECORDS. FAIA or its agents shall during normal business hours be entitled at
its cost to review at Heritage’s offices those records applicable to this Program upon five (5) days written notice to Heritage to verify that it has received the correct payments hereunder, subject to state and federal laws, rules and
regulations. Should FAIA determine that Heritage has understated amounts due to FAIA under this Section 2, it shall notify Heritage of its position in writing stating the basis and computation of its position, and Heritage shall have thirty
(30) days to examine such writing and its records and respond. If Heritage agrees with the position, Heritage shall pay the difference within ten (10) days of its decision. If Heritage disagrees with the position, the parties shall
negotiate in good faith to select a mutually acceptable accounting firm (the “CPAs”) to resolve the dispute. The determination of the CPAs as to the amounts owing to FAIA shall be conclusive and binding on all parties hereto. If the CPAs
determine that Heritage owes additional monies hereunder, Heritage shall pay such additional monies to FAIA within ten (10) days of the determination and shall pay the fees and expenses of the CPAs in connection with its examination hereunder.
In addition, should it be finally determined that the amount properly payable by Heritage exceeds that reported and paid by more than 10%, Heritage shall pay all reasonable costs of the CPA’s examination and FAIA’s examination of such
records. If the CPAs determine that Heritage does not owe additional monies hereunder, FAIA shall pay the fees and expenses of the CPAs in connection with its examination hereunder. 

18. CONFIDENTIALITY. Both parties acknowledge that in the course of performance of this Agreement the parties and Members may be
provided with confidential information, including but not limited to certain personally identifiable financial information of customers and consumers of Heritage and of the Members. The parties agree to maintain the

  
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confidentiality of the confidential information and not disclose such information to any persons other than as may be necessary to conduct transactions under this Agreement, and further to treat
and maintain such confidential information with the same degree of care accorded the parties own confidential information. All Members that receive confidential information pursuant to this Agreement shall be bound by its terms to the same extent as
of they were parties hereto. The obligations of this subsection with respect to confidential information shall survive any termination of this Agreement. Each recipient of confidential information agrees to return all confidential information,
including any copies thereof, to the source of said confidential information within 30 days of termination of this Agreement. 
 19.
BINDING EFFECT. This Agreement shall be binding upon and inure not only to the parties but also upon and to their successors and assigns. 

20. ASSIGNMENT. The Agreement may not be assigned by either party hereto without the prior written consent of the other party
hereto. 
 21. ENFORCEABILITY. In the event that any provision of this Agreement shall be declared void, unlawful or
unenforceable, that provision shall be deemed stricken from this Agreement and the remaining provisions of this Agreement shall continue in full force and effect. 

22. CAPTIONS. The section and subsection headings in this Agreement are inserted for convenience only and do not define, limit
or describe the scope or intent of this Agreement. 
 23. CONSTRUCTION. Although the provisions of this Agreement may be
drafted by FAIA, this Agreement shall not be construed either for or against any party hereto but shall be interpreted in accordance with the general tenor and plain meaning of its language. 

  
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 IN WITNESS WHEREOF, the undersigned have caused this Agreement to be executed by their respective officers duly
authorized, as of the above written date. 
  

			
	HERITAGE PROPERTY & CASUALTY INSURANCE COMPANY
		
	By:	 	

			
	Print Name: Mel A. Russell, CIC
	Its: Chief Underwriting Officer & Executive Vice President

  

			
	 FLORIDA ASSOCIATION OF

INSURANCE AGENTS

		
	By:	 	

 
					
	Print Name:	 	Jeffrey W. Grady                                
             

 
			
	Its:	 	Pres/CEO                                     
                                  

  
 14

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