Document:

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                                                                   EXHIBIT 10.12

                                     FORM OF
                         INVESTMENT MANAGEMENT AGREEMENT

                                      AMONG

                            ALLSTATE INVESTMENTS, LLC

                                       AND

                           ALLSTATE INSURANCE COMPANY

                                       AND

                            THE ALLSTATE CORPORATION

                                       AND

                               CERTAIN AFFILIATES

This Agreement made and effective as of January 1, 2007, among ALLSTATE
INVESTMENTS, LLC, a Delaware limited liability company ("ALLSTATE INVESTMENTS"),
ALLSTATE INSURANCE COMPANY, an Illinois insurance company ("Allstate"), THE
ALLSTATE CORPORATION, a Delaware corporation and parent of Allstate and ALLSTATE
INVESTMENTS ("Allcorp"), and those additional subsidiaries of Allcorp whose
signatures appear below (individually an "Affiliate" and collectively with
Allstate and Allcorp, the "Allstate Affiliates").

                              W I T N E S S E T H:

WHEREAS, ALLSTATE INVESTMENTS has been providing investment management services
to certain of the Allstate Affiliates pursuant to those certain Investment
Management Agreements, dated as of January 1, 2002, and April 29, 2003, which,
by their terms, are terminating effective January 1, 2007, and January 1, 2008,
respectively, and the parties hereto desire to continue such relationship and
enter into a new Agreement for the rendering of investment management services,
effective as of the date hereof, subject to the terms and conditions set forth
herein.

NOW, THEREFORE, it is agreed as follows:

                                    ARTICLE 1
                         INVESTMENT MANAGEMENT SERVICES

1.1    APPOINTMENT. Each Allstate Affiliate hereby engages ALLSTATE INVESTMENTS
as the investment manager of its investment assets and grants ALLSTATE
INVESTMENTS the power and authority to advise, manage, and direct the investment
and reinvestment of such assets for the period and on the terms and conditions
set forth herein. Such activities shall be conducted subject to and in
accordance with the investment objectives, restrictions, and strategies set
forth in the Investment Policy and

                                        1
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Investment Plan (the "Policy") adopted by the Board of Directors of each such
Allstate Affiliate with respect to its respective investment portfolios, and in
accordance with such other limitations and guidelines as may be established from
time to time for such portfolios by such Boards (such investment objectives,
restrictions, strategies, limitations, and guidelines herein referred to
collectively as the "Investment Guidelines"). ALLSTATE INVESTMENTS hereby
accepts such responsibility and agrees during such period to render the services
and to assume the obligations herein set forth, all as more fully described in
Exhibit A, attached hereto (the "Services"). Each of the Allstate Affiliates may
from time to time reach agreement with ALLSTATE INVESTMENTS that only certain of
the listed Services will be provided.

1.2    CHARGES AND EXPENSES. Each Allstate Affiliate agrees to pay ALLSTATE
INVESTMENTS a fee for the Services equal to ALLSTATE INVESTMENTS' fully burdened
basis point charge for the management of such Allstate Affiliate's portfolio.
The fully burdened basis point charge is ALLSTATE INVESTMENTS' actual cost of
managing the portfolios in which such Allstate Affiliate invests, including the
provision of all administrative, reporting or other services required to manage
the portfolios and provide the Services. To the extent any of ALLSTATE
INVESTMENTS' costs are determined by allocations from any Allstate Affiliate,
the allocation shall be made in accordance with the general provisions of the
NAIC expense classification and allocation guidelines applicable to all
inter-company allocations between Allstate and its insurance affiliates.
ALLSTATE INVESTMENTS shall maintain and make available for review by any
Allstate Affiliate, or any regulator having jurisdiction over such Allstate
Affiliate, documentation showing the calculation of all such charges. Any
Allstate Affiliate may request a review of such charges for the Services and
such review will occur promptly thereafter. All brokerage commissions and other
direct transaction charges payable to third parties shall be in addition to any
fees payable to ALLSTATE INVESTMENTS for Services and may be paid on each
Allstate Affiliate's behalf from the assets in such entities portfolio or may be
paid by ALLSTATE INVESTMENTS and reimbursed by such Allstate Affiliate.

1.3    PAYMENT. ALLSTATE INVESTMENTS will charge each Allstate Affiliate for the
Services via the monthly expense allocation process, and payments will be
through the monthly intercompany settlement process. The process will be
completed by personnel of ALLSTATE INVESTMENTS and each of the Allstate
Affiliates in the most timely and effective method available.

                                    ARTICLE 2
                            MISCELLANEOUS PROVISIONS

2.1    PREVIOUS AGREEMENTS. Nothing in this Agreement shall be deemed to amend
any previously executed agreement between the parties.

2.2    SCOPE OF SERVICES. The scope of, and the manner in which, ALLSTATE
INVESTMENTS provides the Services to the Allstate Affiliates shall be reviewed
periodically by ALLSTATE INVESTMENTS and the Allstate Affiliates.

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2.3    STANDARD OF PERFORMANCE. ALLSTATE INVESTMENTS shall discharge its duties
hereunder at all times in good faith and with that degree of prudence,
diligence, care and skill which a prudent person rendering services as an
institutional investment manager would exercise under similar circumstances. The
provisions of this Agreement shall not be interpreted to imply any obligation on
the part of ALLSTATE INVESTMENTS to observe any standard of care other than as
set forth in this Section 2.3.

2.4    BOOKS AND RECORDS. Upon reasonable notice, and during normal business
hours, each Allstate Affiliate shall be entitled to, at its own expense, inspect
records that pertain to the computation of charges for the Services. ALLSTATE
INVESTMENTS shall at all times maintain correct and complete books, records and
accounts of all Services. Each Allstate Affiliate shall have unconditional right
of ownership of any records prepared on its behalf under this Agreement.

2.5    LIABILITY OF ALLSTATE INVESTMENTS. In the absence of ALLSTATE
INVESTMENTS' willful or negligent misconduct (or the willful or negligent
misconduct of its officers, directors, agents, employees, controlling persons,
shareholders, and any other person or entity affiliated with ALLSTATE
INVESTMENTS or retained by it to perform or assist in the performance of its
obligations under this Agreement), neither ALLSTATE INVESTMENTS nor any of its
officers, directors, employees or agents shall be subject to liability to any
Allstate Affiliate for any act or omission in the course of, or connected with,
rendering services hereunder.

2.6    INDEPENDENT CONTRACTOR. ALLSTATE INVESTMENTS shall for all purposes be
deemed to be an independent contractor. All persons performing duties hereunder
at all times during the term of this agreement shall be under the supervision
and control of ALLSTATE INVESTMENTS, and shall not be deemed employees of any
Allstate Affiliate as a result of this Agreement and the Services provided
hereunder. ALLSTATE INVESTMENTS shall have no power or authority to bind any
Allstate Affiliate or to assume or create an obligation or responsibility,
express or implied, on behalf of any Allstate Affiliate, nor shall it represent
to anyone that it has such power or authority, except as expressly provided in
this Agreement. Nothing in this Agreement shall be deemed to create a
partnership between or among the parties, whether for purposes of taxation or
otherwise.

2.7    ASSIGNMENT. ALLSTATE INVESTMENTS shall not assign its obligations or
rights under this Agreement without the written consent of each Allstate
Affiliate.

2.8    TERM, TERMINATION. This Agreement shall remain in effect for one year and
shall be automatically renewed for subsequent one-year terms unless sooner
terminated by either party pursuant to this Section 2.8. ALLSTATE INVESTMENTS
may terminate this Agreement in its entirety, and each Allstate Affiliate may
cancel its participation in the arrangements under this Agreement, each by
giving six months written notice to the other parties to this Agreement;
provided, however, that in the event that the affiliate

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relationship ceases to exist with respect to any Affiliate, this Agreement shall
terminate immediately with respect to such Allstate Affiliate.

2.9    NOTICES. All communications provided for hereunder shall be in writing,
and if to an Allstate Affiliate, mailed or delivered to such Allstate Affiliate
at its office at the address listed in such Affiliate's Statutory Annual
Statement Blank, Attention: Secretary, or if to an entity not filing a statutory
Annual Statement Blank, mailed or delivered to its office at 3075 Sanders Road,
Northbrook, Illinois 60062, Attention: Controller, or addressed to any party at
the address such party may hereafter designate by written notice to the other
parties.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be signed
as of the day and year above written.

                                     THE ALLSTATE CORPORATION

                                     By:
                                         ---------------------------

                                     [Various Allstate Affiliates]

                                       4
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                                    Exhibit A
                               INVESTMENT SERVICES

     A.   APPOINTMENT. This Exhibit A details the Services to be provided by
ALLLSTATE INVESTMENTS pursuant to the Investment Management Agreement among
ALLSTATE INVESTMENTS and certain Allstate Affiliates to which this Exhibit A is
attached. For purposes of this Exhibit A, the investment portfolio of each
Allstate Affiliate will be referred to as an Account

     B.   ALLSTATE INVESTMENTS AS AGENT. ALLSTATE INVESTMENTS shall be granted
and exercise full investment discretion and authority in buying, selling or
otherwise disposing of or managing the investment of the assets held in each
Account and in the performance of the services rendered hereunder, and shall do
so as each Allstate Affiliate's agent only, subject to ALLSTATE INVESTMENTS'
adherence to the Policies and Investment Guidelines. Each Allstate Affiliate
hereby authorizes ALLSTATE INVESTMENTS to exercise all such powers with respect
to the assets of its respective Account as may be necessary or appropriate for
the performance by ALLSTATE INVESTMENTS of its obligations under the Agreement,
subject to the supervision of the Board of Directors of such Allstate affiliate
(the "Board"), and any limitations contained herein.

     C.   INVESTMENT ADVISORY SERVICES. In furtherance of the foregoing, and in
carrying out its obligations to manage the investment and reinvestment of the
assets in each Account, ALLSTATE INVESTMENTS shall, as appropriate and
consistent with the Investment Guidelines:

     (a) perform research and obtain and evaluate such information relating to
the economics, industries, businesses, markets and new investment structures,
techniques, practices, and financial data as ALLSTATE INVESTMENTS deems
appropriate in the discharge of its duties under this Agreement; (b) consult
with and furnish to each Board recommendations with respect to overall
investment strategies for each respective Account; (c) seek out and implement
specific investment opportunities, consistent with such overall investment
strategies approved by each Board, including making and carrying out day-to-day
decisions to acquire or dispose of permissible investments, managing the
investment of the assets of each Account, and providing or obtaining such
services as may be necessary in managing, acquiring or disposing of investments;
(d) regularly report to the Boards with respect to the implementation of
investment strategies and any other activities in connection with management of
each Account's assets, including furnishing to each Board, within 45 days after
the end of each quarter, a report concerning investment activity during the
quarter; (e) maintain all required accounts, records, memoranda, instructions or
authorizations relating to the acquisition or disposition of investments for
each Account; (f) determine the securities to be purchased or sold by each
Account and place orders either directly with the issuer, with any broker-dealer
or underwriter that specializes in the securities for which the order is made,
or with any other broker or dealer that ALLSTATE INVESTMENTS selects; and (g)
perform the services hereunder in a manner consistent with investment objectives
and policies of

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each Allstate Affiliate as detailed in the respective Investment Guidelines, as
amended from time to time, and in compliance, as appropriate, with the
applicable provisions of the insurance laws and regulations of each Allstate
Affiliate's domicile, as amended and any other applicable laws.

     D.   ALLOCATION OF BROKERAGE. ALLSTATE INVESTMENTS is authorized in its
sole discretion to select the brokers or dealers that will execute the purchases
and sales of securities for each Account. In making such selection, ALLSTATE
INVESTMENTS shall use its best efforts to obtain for each Account the most
favorable net price and execution available taking into account all appropriate
factors, including price, dealer spread or commission, if any, and size and
difficulty of the transaction. If, in the judgment of ALLSTATE INVESTMENTS, an
Allstate Affiliate would be benefited by supplemental investment research,
ALLSTATE INVESTMENTS is authorized, but not obligated, to select brokers or
dealers on the basis of research information, materials, or services they could
furnish to ALLSTATE INVESTMENTS for potential use in supplementing ALLSTATE
INVESTMENTS' own information and in making investment decisions for each
Account. The expenses of ALLSTATE INVESTMENTS and the charges to an Allstate
Affiliate may not necessarily be reduced as a result of receipt of such
supplemental information. Subject to the above requirements, nothing shall
prohibit ALLSTATE INVESTMENTS from selecting brokers or dealers with which it or
any Allstate Affiliate is affiliated.

     E.   SERVICE TO OTHER CLIENTS. Each Allstate Affiliate acknowledges that
ALLSTATE INVESTMENTS may perform services for clients other than the Allstate
Affiliates that are similar to the services to be performed pursuant to this
Agreement, and that ALLSTATE INVESTMENTS is free to do so provided that its
services pursuant to this Agreement are not in any way impaired. Each Allstate
Affiliate agrees that ALLSTATE INVESTMENTS may provide investment advice to any
of its other clients that may differ from advice given to such Allstate
Affiliate, or take action with respect to assets owned by it or its other
clients that may differ from the action taken with respect to any Account and/or
assets held therein, so long as ALLSTATE INVESTMENTS, to the extent reasonable
and practicable, allocates investment opportunities to each Account on a fair
and equitable basis relative to ALLSTATE INVESTMENTS' other clients. It is
understood that ALLSTATE INVESTMENTS shall have no obligation to purchase or
sell, or to recommend for purchase or sale for any Account, any security that
ALLSTATE INVESTMENTS, its affiliates, employees or agents may purchase or sell
for its or their own accounts or for the account of any other client, if, in the
opinion of ALLSTATE INVESTMENTS, such transaction or investment appears
unsuitable, impractical or undesirable for such Account. It is agreed that
ALLSTATE INVESTMENTS may use any supplemental investment research obtained for
the benefit of an Allstate Affiliate in providing investment advice to its other
clients or its own accounts. Conversely, such supplemental information obtained
by the placement of business for ALLSTATE INVESTMENTS or other entities advised
by ALLSTATE INVESTMENTS will be considered by and may be useful to ALLSTATE
INVESTMENTS in carrying out its obligations to each Allstate Affiliate.

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     F.   ALLOCATION OF TRADES. It is acknowledged that securities held by an
Allstate Affiliate may also be held by separate investment accounts or other
funds for which ALLSTATE INVESTMENTS may act as a manager. If purchases or sales
of securities for an Allstate Affiliate or other entities for which ALLSTATE
INVESTMENTS acts as investment manager arise for consideration at or about the
same time, each such Allstate Affiliate agrees that ALLSTATE INVESTMENTS may
make transactions in such securities, insofar as feasible, for the respective
entities in a manner deemed equitable to all. To the extent that transactions on
behalf of more than one client of ALLSTATE INVESTMENTS during the same period
may increase the demand for securities being purchased or the supply of
securities being sold, each Allstate Affiliate recognizes that there may be an
adverse effect on price.

     It is agreed that, on occasions when ALLSTATE INVESTMENTS deems the
purchase or sale of a security to be in the best interests of an Allstate
Affiliate as well as other accounts or companies, it may, to the extent
permitted by applicable laws and regulations, but will not be obligated to,
aggregate the securities to be so sold or purchased for such Allstate Affiliate
with those to be sold or purchased for other accounts or companies in order to
obtain favorable execution and lower brokerage commissions. In that event,
allocation of the securities purchased or sold, as well as the expenses incurred
in the transaction, will be made by ALLSTATE INVESTMENTS in the manner it
considers to be most equitable and consistent with its obligations to such
Allstate Affiliate and to such other accounts or companies. Each Allstate
Affiliate recognizes that in some cases this procedure may adversely affect the
size of the position obtainable for such Allstate Affiliate.

     G.   CONTRACTS; AUTHORIZED SIGNATORIES. ALLSTATE INVESTMENTS shall have the
full power, right and authority, as each Allstate Affiliate's agent, in
accordance with this Agreement and the Investment Guidelines, to negotiate,
apply for, enter into, execute, deliver, amend, modify and/or terminate legal
documents of every kind and nature relating to or required by the investment of
the assets of each Account. All such documents may be entered into in an
Allstate Affiliate's name or in ALLSTATE INVESTMENTS' name (as agent for such
Allstate Affiliate), as ALLSTATE INVESTMENTS shall determine, and all such
documents shall be legally binding on such Allstate Affiliate. Those certain
employees and officers of ALLSTATE INVESTMENTS who are authorized to execute
transactions and sign documentation pursuant to the Policies and Procedures
adopted pursuant to authorization of the ALLSTATE INVESTMENTS' Board of
Directors, as they may be amended from time to time, shall also be authorized to
the same extent to execute transactions and sign documentation on behalf of any
Allstate Affiliate and/or ALLSTATE INVESTMENTS in connection with transactions
entered into on behalf of the assets of any Account pursuant to this Agreement.

     H.   COMPLIANCE WITH LEGAL REQUIREMENTS. ALLSTATE INVESTMENTS shall make
all reasonable efforts to comply with and cause to be complied with all
applicable laws, rules, and regulations of each Allstate Affiliate's domicile,
and any federal, state or municipal authority governing this Agreement, the
services rendered

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hereunder, each Account and the assets held therein. Without limiting the
foregoing, ALLSTATE INVESTMENTS shall comply with all securities laws and other
laws applicable to the services provided under this Agreement.

     I.   TRANSACTION PROCEDURES. The assets of each Account are or will be held
in custody by the bank custodian(s) appointed by each Allstate Affiliate from
time to time. ALLSTATE INVESTMENTS shall not act as custodian for the assets of
any Account and shall not, under any circumstances, have or be deemed to have
ownership, custody or physical control of any of the assets of any Account.
ALLSTATE INVESTMENTS may, however, issue instructions to, and communicate with,
the bank custodian for each Account as may be necessary and appropriate in
connection with provision of its services pursuant to this Agreement. At the
option of ALLSTATE INVESTMENTS, instructions by ALLSTATE INVESTMENTS to the bank
custodian may be made orally or by computer, electronic instruction systems or
telecommunications terminals. ALLSTATE INVESTMENTS will confirm that the bank
custodian has effected such instructions either by access to the bank's
computerized identification system or by telephonic confirmation. The bank
custodian will confirm with ALLSTATE INVESTMENTS receipt of trade instructions
orally or by computer for the Account. ALLSTATE INVESTMENTS will instruct all
brokers, dealers and counterparties executing orders on behalf of the assets of
an Account to forward to ALLSTATE INVESTMENTS copies of all confirmations.

     J.   RECORDKEEPING. ALLSTATE INVESTMENTS shall keep and maintain an
accurate and detailed accounting of each transaction concerning the assets of
each Account and of all receipts, disbursements, and other transactions relating
to the purchase and sale transactions arising hereunder. ALLSTATE INVESTMENTS
agrees to preserve such records for the greater of (i) six years; (ii) the
required period pursuant to the insurance laws of an Allstate Affiliate's
domicile and related regulations; or (iii) such other time period that an
Allstate Affiliate may from time to time request. ALLSTATE INVESTMENTS
acknowledges that all such records shall be the property of each Allstate
Affiliate and shall be made available, within five (5) business days of receipt
of a written request, to an Allstate Affiliate, its accountants, auditors or
other representatives of the Allstate Affiliate for inspection and/or copying
(at such Allstate Affiliate's expense) during regular business hours. In
addition, ALLSTATE INVESTMENTS shall provide any materials, reasonably related
to the investment advisory services provided hereunder, as may be reasonably
requested in writing by the directors or officers of an Allstate Affiliate, or
as may be required by any governmental agency with jurisdiction hereunder.

     ALLSTATE INVESTMENTS further agrees to prepare and furnish to each Allstate
Affiliate and to other persons designated by such Allstate Affiliate, at such
regular intervals and other times as may be specified by such Allstate Affiliate
from time to time (i) such balance sheets, income and expense statements and
other financial statements and reports, and (ii) such other statements, reports
and information, in each case regarding the assets of its Account as such
Allstate Affiliate shall from time to time reasonably require.

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In the event of termination of this Agreement for any reason, all such records
or copies thereof shall be returned promptly to the respective Allstate
Affiliate, free from any claim or retention of rights by ALLSTATE INVESTMENTS.

                                        9<Page>

                                                          Exhibit 10.19

                                 AMENDMENT NO. 2
                                     TO THE
                    CASH MANAGEMENT SERVICES MASTER AGREEMENT

This AMENDMENT No. 2 (the  "Amendment") is made and entered into this 8th day of
November, 2002 by and among the undersigned companies.

WHEREAS, the parties to the Cash Management Services Master Agreement dated
March 16, 1999 as amended January 5, 2001 (the "Agreement") desire to amend the
Agreement to add Allstate Motor Club, Inc. ("AMC") as an additional party to the
Agreement;

NOW THEREFORE, for and in consideration of the mutual agreements set forth
herein, and other good and valuable consideration, the receipt and sufficiency
of which is hereby acknowledged, the parties agree that the Agreement is hereby
be amended as follows:

     1.   The definition of "Customer" in the first paragraph of the Agreement
          shall include AMC in addition to AIC, ALIC, LBL and AHL.

Except as otherwise amended hereby, the Agreement shall remain unchanged.

IN WITNESS HEREOF, the parties to the Agreement have caused this Amendment to be
duly executed in duplicate by their respective officers on the dates shown
below.

ALLSTATE BANK                               ALLSTATE MOTOR CLUB, INC.

By:   /s/ Clay S. Green                     By:   /s/ James P. Zils
    ----------------------                      -------------------------------

Name: Clay S. Green                         Name: James P. Zils
      -----------------------------              -------------------------------

Title: President                            Title: Vice President and Treasurer
       -------------------                        ----------------------------

Date:   1/7/03                              Date: 4/4/03
      -----------------------------             --------------------------------

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ALLSTATE BANK

                   SERVICE SUPPLEMENT FOR ALLSTATE MOTOR CLUB
                         CASH SERVICES MASTER AGREEMENT
                                  MAY 21, 2002

ACH FILE TRANSMISSION

All ACH files must be delivered in NACHA format to the Allstate Bank PEP+ system
in the Great Lakes Data Center. Files received after 8:00PM CT will be processed
on the next business day. Prior to January 1 of each year, Allstate Bank will
provide a schedule of holidays for that year. Files will not be collected or
transmitted on Allstate Bank holidays. All files must be confirmed by a fax
transmission of file totals prior to processing of the file.

A transaction limit of $500.00 has been established for a single ACH item.
Melodee Bowden, Mark Iwanski or a designee at the Great Lakes Data Center must
notify Allstate Bank if a transaction will exceed this limit. Allstate Bank will
increase the limit upon written notification via e-mail.

A daily exposure limit of $500,000 has been set for Allstate Motor Club. In the
event that the file total on any day will exceed $500,000, Allstate Insurance
Company must notify the Allstate Bank ACH Department PRIOR to transmitting the
file. The Chief Financial Officer or Vice President of Operations must approve
any file transmissions that exceed the limit. The ACH Department will notify
Allstate Insurance Company when approval has been obtained and the file can be
transmitted. The ACH Department will monitor compliance to the procedure on a
monthly basis.

ACH PROCESSING SCHEDULE

All request for reversals, corrections, or changes need to be received by
Allstate Bank prior to the transmission of the file to the Federal Reserve Bank
(at approximately 4:00PM CT). In the event an item was transmitted before
receiving the request, the originator will provide Allstate Bank with a letter
of indemnification before the Bank requests return of the item from the RDFI
(Receiving Depository Financial Institution). Allstate Bank, in turn, will
contact the RDFI for a fax number and will send an indemnification letter
requesting that the item be returned to the originator.

DAILY ACH SETTLEMENT PROCEDURES

Each time Allstate Bank transmits an ACH file to the Federal Reserve Bank, PEP+
produces a settlement report that indicates the dollar volume and quantity of
ACH originated transactions which will settle the next business day. (The next
morning, Allstate Bank receives an ACH statement from the Federal Reserve Bank
of Chicago through the Fedline terminal that summarizes the total amount of ACH
transactions that will settle that business day.) The report includes total
originated ACH debits and credits (if any) and ACH returns which were processed
that day.

After the ACH file is transmitted to the Federal Reserve Bank (at approximately
4:00PM CT), an Allstate Bank ACH employee will review the PEP+ settlement
report. The ACH

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operator will determine the total dollar amount of ACH transactions for Allstate
Motor Club (AMC), including returns, which will settle the next business day.
Each evening the ACH operator will send an e-mail message indicating either a
request for funds to be wired from AIC to Allstate Bank or notification that
Allstate Bank will send funds to AIC. This message will be addressed to
"Forecast" with a copy to Tricia Baldwin, Melodee Bowden, Annie Dinkins, Caryl
Quidayan, Donna Morrison, Lorrene Richardson, Ed St. John, Claudia Vroman,
Debbie Bradel, Elena Tagle, Doug Carpenter, Marilyn Bradshaw, Nick
Georgakopoulos, Clay Green and Shirley Faucett. Elena Tagle, Doug Carpenter or
Debbie Bradel may originate the e-mail message from Allstate Bank.

FOR FUNDS DUE TO ALLSTATE MOTOR CLUB, on settlement date, Allstate Bank will
initiate a wire transfer via Fedline to the Allstate Motor Club account at Bank
of America, ABA 0710-0003-9, account number 8188000022. This transfer will be
initiated following receipt of a credit from the Federal Reserve Bank (this
occurs at 10:00AM CT).

Allstate Bank will post the following entry for company code 280 on SAP to
represent the transfer:

Debit M20271021 9070000 ACH Settlement-I/C Allstate Motor Club
Credit M10150504 9070000 Cash, Federal Reserve Bank-ACH

FOR FUNDS DUE TO ALLSTATE BANK, on settlement date, Allstate Motor Club will
initiate a wire transfer to the Allstate Bank, ABA 071974424 not later than
8:00AM CT to insure funds are received by Allstate Bank as early as possible.

Allstate Bank will post the following entry for company code 280 on SAP to
represent the transfer:

Debit M10150504 9070000 Cash, Federal Reserve Bank-ACH
Credit M20271021 9070000 ACH Settlement-I/C Allstate Motor Club

The entries required to be recorded for Company 071 will be booked by an
employee at the Atlantic Data Center. They will record the entry based on
information received from the Forecast e-mail and the Treasury cash report.
Daily, XXXXXX at the Atlantic Data Center will reconcile the balance in account
Mxxxxxxxx on Company 071 to the balance in Allstate Bank Company 280 account
M20271021.

Allstate will be assessed a charge equal to the fed funds rate for any
overdrafts incurred at the Federal Reserve Bank as a result of late wires.

RETURN ITEM PROCESSING

Returns received with a return code of R01 (insufficient funds) and R09
(uncollected funds) will be held by Allstate Bank for 2 business days. These
returns will be redistributed back to the Federal Reserve Bank for collection
after 2 business days. All other returns will be retired back to Allstate Motor
Club no later than the second business day after receipt. AMC will be charged
only for retired returns.

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Notification will be sent via e-mail to Smaruti Sura, Cecilia Flesch-Napoli and
Lisa Bilotti for any valid return that cannot be retired back to Allstate Motor
Club through PEP+. These returns will be settled with a manual return adjustment
to the daily settlement wire. In the event of invalid R07 and R10 returns (as
defined by NACHA timing), Allstate Bank will dishonor them as untimely and
advise Smaruti Sura, Cecelia Flesch-Napoli and Lisa Bilotti by e-mail of the
return's disposition.

MONTHLY ACCOUNT ANALYSIS PROCEDURES

In accordance with the Corporate Billing Policy, Allstate Bank will prepare a
monthly account analysis statement, in arrears, (see Exhibit 1 for a sample
statement). Copies of the statement will be sent to Smaruti Sura and Lisa
Bilotti at Allstate Motor Club. Any amounts due will be deducted from the daily
wire transfer settlement by the tenth business day of the following month.

Upon preparation of the statement Allstate Bank will record the following entry
to company code 280 on SAP:

Debit M10300001 9070000 Accounts Receivable-ACH Fees-I/C-AIC
Credit M40220010 9070000 ACH Fee I/C-AIC Functional Area "OTHR"

Upon receipt of payment from Allstate Motor Club, Allstate Bank will record the
following entry to company code 280 on SAP:

Debit M10150504 9010000 Federal Reserve Bank of Chicago
Credit M10300001 9070000 Accounts Receivable-ACH Fees-I/C-AIC

The entries required to be recorded for Company 071 will be booked by Smaruti
Sura at Allstate Motor Club

ALLSTATE BANK CONTACT LIST

Below is a contact list for any questions pertaining to the ACH processing:

<Table>
                        PHONE NUMBER                     PAGER #
                  -------------------------------------------------------
<S>                        <C>              <C>               <C>
Debbie Bradel              847-968-6841     1-800-759-8888    PIN 1152223
Douglas Carpenter          847-968-6857     1-800-759-8888    PIN 1735143
Elena Tagle                847-968-6844
</Table>

You may also contact the wire hot line at 847-968-6857
Our fax number is 847-968-6717.

NOTE: THE INDIVIDUALS NAMED IN THIS DOCUMENT MAY BE CHANGED VIA WRITTEN
COMMUNICATION TO THE DIRECTOR OF CASH OPERATIONS AT ALLSTATE BANK. ALLSTATE BANK
WILL NOTIFY ALLSTATE MOTOR CLUB IN WRITING OF ANY CHANGE TO THE ALLSTATE BANK
INDIVIDUALS NAMED IN THIS DOCUMENT.

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