Document:

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                                                                    Exhibit 10.4

                                                                  EXECUTION COPY

          CONTRIBUTION AND EXCHANGE AGREEMENT ("Agreement") made as of November
11, 2005 by and among Alleghany Insurance Holdings LLC, a Delaware limited
liability company ("AIHL"), Darwin Group, Inc., a Delaware corporation ("Darwin
Group"), and Darwin Professional Underwriters, Inc., a Delaware corporation
("DPUI").

          WHEREAS, AIHL currently owns 10,000 shares of common stock of Darwin
Group, par value $.10 per share (the "Darwin Group Common Stock"), representing
all of the issued and outstanding shares of Darwin Group Common Stock; and

          WHEREAS, AIHL intends to make a capital contribution to Darwin Group
(the "Capital Contribution") in the amount of $135,000,000; and

          WHEREAS, as of the date hereof, AIHL owns 400,000 shares of common
stock of DPUI, par value $.10 per share (the "DPUI Common Stock"), representing
80% of the issued and outstanding shares of DPUI Common Stock, and 105,300
shares of Series A Preferred Stock of DPUI, par value $.10 per share (the
"Series A Preferred Stock"), representing all of the issued and outstanding
shares of Series A Preferred Stock; and

          WHEREAS, pursuant to the terms of a restricted stock plan established
by DPUI (the "DPUI Restricted Stock Plan"), certain employees of the Darwin
Companies (as defined herein) (the "Restricted Stockholders") may be awarded an
aggregate of 100,000 restricted shares of DPUI Common Stock, representing 20% of
the issued and outstanding shares of DPUI Common Stock (the "Restricted DPUI
Shares"); and

          WHEREAS, as of the date hereof, 91,250 Restricted DPUI Shares are
issued and outstanding under the DPUI Restricted Stock Plan; and

          WHEREAS, pursuant to the terms of a long term incentive plan
established by DPUI (the "DPUI LTIP"), certain employees of the Darwin Companies
(as defined herein) (the "LTIP Participants") have been awarded interests in
annual profit pools established under the DPUI LTIP; and

          WHEREAS, the parties contemplate that, on a date to be determined by
AIHL as soon as practicable after the completion of the 2005 audited financial
statements of Darwin Group and DPUI (the "Exchange Date"), (i) AIHL will
transfer, or cause to be transferred, to DPUI, either by exchange or by merger
of Darwin Group with and into DPUI (with DPUI as the surviving corporation in
the merger), all of the shares of Darwin Group Common Stock in exchange for
shares of a new series of DPUI preferred stock having an aggregate liquidation
preference equal to the GAAP Book Value (as defined herein) of Darwin Group on
December 31, 2005, such new series of preferred stock to be designated as Series
B Convertible Preferred Stock and to have the terms and conditions set forth on
Exhibit A hereto, including the payment of dividends on such Series B
Convertible Preferred Stock in the form of a new series of DPUI preferred stock
to be

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designated as Series C Preferred Stock, and (ii) immediately following such
transfer of Darwin Group to DPUI (the "Darwin Group Transfer"), AIHL will
transfer to DPUI the 400,000 shares of DPUI Common Stock owned by AIHL in
exchange for additional shares of Series A Preferred Stock having an aggregate
liquidation preference equal to the GAAP Book Value of such 400,000 shares of
DPUI Common Stock on December 31, 2005; and

          WHEREAS, in connection with the Capital Contribution and the Darwin
Group Transfer, DPUI has amended and restated the DPUI Restricted Stock Plan,
effective as of the date hereof, and has entered into an amended and restated
restricted stock award agreement with each of the Restricted Stockholders; and

          WHEREAS, in connection with the Capital Contribution and the Darwin
Group Transfer, DPUI has amended and restated the DPUI LTIP, effective as of the
date hereof; and

          WHEREAS, in connection with the Capital Contribution and the Darwin
Group Transfer, DPUI has entered into an amended and restated employment
agreement with each of Stephen J. Sills and Mark I. Rosen, effective as of the
date hereof; and

          WHEREAS, AIHL currently owns all of the issued and outstanding shares
of common stock of each of Capitol Indemnity Corporation, Capitol Specialty
Insurance Corporation and Platte River Insurance Company (collectively, the
"Capitol Companies"); and

          WHEREAS, each of Darwin Group and DPUI acknowledges that the Capital
Contribution is to a large extent a bridge financing and that AIHL desires,
although AIHL is not required, to reduce its equity interest in Darwin Group
(prior to the Exchange Date) and/or in DPUI (subsequent to the Exchange Date) as
soon as reasonably practicable; and

          WHEREAS, in connection with the Capital Contribution and the Darwin
Group Transfer, AM, Darwin Group and DPUI desire to enter into the covenants and
agreements provided for herein; and

          NOW, THEREFORE, in consideration of the mutual covenants and
representations contained herein, the parties hereto agree as follows:

          1. Capital Contribution.

          On the a date to be mutually agreed by Darwin Group and AIHL (the
"Contribution Date"), but prior to the Exchange Date, AIHL will make the Capital
Contribution in the amount of $135,000,000 to Darwin Group.

          2. Darwin Group Transfer; Exchange of DPUI Common Stock.

          (a) AIHL agrees to transfer, or cause to be transferred, to DPUI on
the Exchange Date, either by exchange or by merger of Darwin Group with and into
DPUI

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(with DPUI as the surviving corporation in the merger), all of the shares of
Darwin Group Common Stock in exchange for shares of a new series of DPUI
preferred stock having an aggregate liquidation preference equal to the GAAP
Book Value of Darwin Group on December 31, 2005, such new series of preferred
stock to be designated as Series B Convertible Preferred Stock and to have the
terms and conditions set forth on Exhibit A hereto (the "Series B Preferred
Stock"), including the payment of dividends on such Series B Preferred Stock in
the form of a new series of DPUI preferred stock to be designated as Series C
Preferred Stock, which Series C Preferred Stock shall have the terms and
conditions set forth on Exhibit B hereto (the "Series C Preferred Stock"). DPUI
agrees to issue such shares of Series B Preferred Stock to AIHL on the Exchange
Date.

          (b) On the Exchange Date, immediately following the Darwin Group
Transfer, AIHL agrees to transfer to DPUI the 400,000 shares of DPUI Common
Stock owned by AIHL in exchange for additional shares of Series A Preferred
Stock having an aggregate liquidation preference equal to the GAAP Book Value of
such 400,000 shares of DPUI Common Stock on December 31, 2005. DPUI agrees to
issue such additional shares of Series A Preferred Stock to AIHL on the Exchange
Date.

          3. Reduction of AIHL Ownership.

          Each of Darwin Group and DPUI acknowledges and agrees that the Capital
Contribution is to a large extent a bridge financing and that AIHL desires,
although AIHL is not required, to reduce its equity interest in Darwin Group
(prior to the Exchange Date) and/or its equity interest in DPUI (subsequent to
the Exchange Date) as soon as reasonably practicable, either through sales of
securities of Darwin Group and/or DPUI by AIHL to Third Parties or in an IPO the
proceeds of which are used to redeem shares of Series B Preferred Stock held by
AIHL. In the event that, prior to the Exchange Date, AIHL sells shares of DPUI
Common Stock, AIHL shall cause the purchaser of such shares of DPUI Common Stock
to agree to transfer such shares of DPUI Common Stock to DPUI, on the Exchange
Date, in exchange for shares of Series B Preferred Stock on the terms set forth
in Section 2(a) above.

          4. Related Party Transactions.

          Each of AIHL, Darwin Group and DPUI acknowledges and agrees that
certain of the Darwin Companies have engaged and will continue to engage in
various transactions with the Capitol Companies and other Affiliates of AIHL in
respect of insurance policies underwritten by the Darwin Companies and other
business arrangements (the "Related Party Transactions") and that, while such
parties have been wholly-owned Subsidiaries of AIHL, such Related Party
Transactions have not necessarily reflected arm's-length arrangements. In this
regard, and in contemplation of the transfer of Darwin Group to DPUI (whereupon
Darwin Group will no longer be a wholly-owned Subsidiary of AIHL), each of
Darwin Group and DPUI, for itself and for all of the Darwin Companies, does
hereby consent and agree to the modifications of the existing arrangements
between the Darwin Companies and the Capitol Companies described on Exhibit C
hereto.

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          5. Registration Rights Agreement.

          DPUI agrees to enter into a registration rights agreement with AIHL
(which shall be assignable by AIHL to any Person or Persons who become holders
of Series B Preferred Stock) providing for customary demand registration rights
prior to and following an IPO, and for customary demand and piggy-back
registration rights subsequent to an IPO.

          6. Certain Activities.

          (a) Each of Darwin Group and DPUI, for itself and for all of the
Darwin Companies, does hereby consent and agree that AIHL and its Affiliates (as
defined herein), officers, directors, employees and agents (including without
limitation those officers, directors, employees and agents of AIHL and its
Affiliates who serve as officers and/or directors of any of the Darwin
Companies) may, alone or in combination with any other Person (as defined
herein), engage in activities or businesses, make or retain investments in and
acquisitions of any Person, and enter into partnerships and joint ventures with
any Person, whether or not competitive now or in the future with the businesses
or activities of the Darwin Companies, and none of the Darwin Companies shall
have the right to disclosure of any information in regard thereto, to
participate therein, or to derive any profits therefrom. Notwithstanding the
foregoing, this Section 6(a) shall not permit AIHL to use confidential
information with respect to the Darwin Companies in connection with any of the
activities described in the preceding sentence, unless such information (i) was
developed by or provided to a Darwin Company by AIHL or an Affiliate of AIHL,
(ii) is or becomes available in the public domain other than as a result of
disclosure by AIHL or an Affiliate of AIHL, or (iii) is acquired from a Person
who is not known by AIHL or its Affiliate receiving such information to be in
breach of an obligation of confidentiality to a Darwin Company.

          (b) Each of Darwin Group and DPUI, for itself and for all of the
Darwin Companies, does hereby consent and agree that neither AIHL nor any of its
Affiliates, officers, directors, employees or agents shall have any obligation
to refer to the Darwin Companies any business opportunity presented or developed
by any of them and that the Darwin Companies have no expectation of any such
business opportunity.

          7. Regulatory Matters.

          AIHL and each of Darwin Group and DPUI, for itself and for all of the
Darwin Companies, agrees to cooperate in connection with any determinations
required to be made by any of them concerning actions required to be taken
(including but not limited to the submission of applications for the licensing
or qualification of natural and other Persons by Governmental Authorities (as
defined herein) having jurisdiction over the business of the Darwin Companies
and to the submission of applications regarding the acquisition of ownership of
shares of capital stock of Darwin Group or DPUI by Third Parties), and in the
taking of such actions, so that the Darwin Companies, AIHL and any Third Parties
acquiring ownership of shares of capital stock of Darwin Group and/or DPUI and,
to the extent required by applicable law, their respective Affiliates,

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shall be in compliance with all applicable law and the rules and regulations
prescribed thereunder relating to the conduct of the business of the Darwin
Companies and to the ownership of shares of capital stock of Darwin Group and/or
DPUI.

          8. Representations and Warranties.

          (a) Each of AIHL, Darwin Group and DPUI hereby represents and warrants
to the other parties as follows:

               (i) it has full power and authority to execute, deliver and
perform its obligations under this Agreement; and

               (ii) this Agreement has been duly and validly authorized,
executed and delivered by it, and constitutes its valid and binding obligation,
enforceable against it in accordance with its terms, except to the extent that
enforceability may be limited by bankruptcy, insolvency or other similar laws
affecting creditors' rights generally.

          (b) DPUI hereby represents and warrants to each of AIHL and Darwin
Group as follows:

               (i) DPUI has amended and restated the DPUI Restricted Stock Plan,
effective as of the date hereof, in the form attached as Exhibit D hereto, and
each of the Restricted Stockholders has consented to such amendment and
restatement of the DPUI Restricted Stock Plan;

               (ii) DPUI has entered into an amended and restated restricted
stock award agreement, effective as of the date hereof, in the form attached as
Exhibit E hereto, with each of the Restricted Stockholders;

               (iii) DPUI has amended and restated the DPUI LTIP, effective as
of the date hereof, in the form attached as Exhibit F hereto, and each of the
LTIP Participants has consented to such amendment and restatement of the DPUI
LTIP;

               (iv) DPUI has entered into an amended and restated employment
agreement with Stephen J. Sills, effective as of the date hereof, an executed
copy of which has previously been delivered to each of AIHL and Darwin Group;
and

               (v) DPUI has entered into an amended and restated employment
agreement with Mark I. Rosen, effective as of the date hereof, an executed copy
of which has previously been delivered to each of AIHL and Darwin Group.

          9. Definitions.

          "Affiliate," when used with reference to any Person, shall mean
another Person that directly, or indirectly, through one or more intermediaries,
controls or is controlled by or is under common control with the Person
specified. The term "control" (including the terms "controlled by" and "under
common control with") means the

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ability, directly or indirectly, to direct or cause the direction of the
management and policies of the Person in question; provided, however, that for
purposes hereof, (i) none of the Darwin Companies shall be deemed to be an
Affiliate of AIHL or of any Affiliate of AIHL and (ii) neither AIHL nor any
Affiliate of AIHL shall be deemed to be an Affiliate of any of the Darwin
Companies.

          "Darwin Companies" means, collectively, Darwin Group, the Subsidiaries
of Darwin Group, and DPUI.

          "Employee Representative" means Stephen J. Sills or, in the event of
Stephen J. Sills' unavailability to serve as the Employee Representative, such
other Person who is a holder of Restricted DPUI Shares as is elected to serve as
the Employee Representative by holders of a majority of the number of Restricted
DPUI Shares then outstanding.

          "GAAP" means generally accepted accounting principles as in effect as
of the date of reference.

          "GAAP Book Value" means net book value determined in accordance with
GAAP.

          "Governmental Authorities" means the government of the United States
of America and any state, commonwealth, territory, possession, county, or
municipality thereof, or the government of any political subdivision of any of
the foregoing, any foreign government, or any entity, authority, agency,
ministry or other similar body exercising executive, legislative, judicial,
regulatory or administrative authority or functions of or pertaining to
government, including any authority or other quasigovernmental entity
established to perform any of such functions, including without limitation all
governmental authorities or agencies with regulatory control or jurisdiction
over the insurance operations of the Darwin Companies.

          "IPO" means the initial public offering of DPUI Common Stock pursuant
an effective registration statement under the Securities Act of 1933, as
amended, in connection with which the DPUI Common Stock becomes listed on a U.S.
national securities exchange or traded on the Nasdaq National Market System.

          "Person" means any natural person, corporation, partnership, limited
partnership, limited liability company, joint venture, firm, association, trust,
unincorporated organization, government or governmental agency or any other
entity.

          "Subsidiary" means, with respect to any Person, (i) a corporation of
which shares of stock having ordinary voting power (other than stock having such
power only by reason of the happening of a contingency) to elect a majority of
the board of directors or other managers of such corporation are at the time
owned, directly or indirectly, through one or more intermediaries, by such
Person, or (ii) in the case of unincorporated entities, any such entity with
respect to which such Person has the power, directly or indirectly, to designate
more than 50% of the individuals exercising functions similar to a board of
directors.

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          "Third Party" means any Person other than AIHL or an Affiliate of
AIHL.

          10. Further Assurances.

          Each of AIHL, Darwin Group and DPUI agrees, at any time or from time
to time after the date hereof, to cooperate with the other parties hereto, and
at the request of any other party hereto, to execute and deliver any further
instruments or documents and to take all such further action as any other party
may reasonably request in order to evidence or effectuate the consummation of
the transactions contemplated hereby and to otherwise carry out the purposes
hereof. Without limitation of the foregoing, DPUI agrees to amend the terms of
the Series A Preferred Stock to provide that the Series A Preferred Stock, the
Series B Preferred Stock and the Series C Preferred Stock shall rank pari passu.

          11. Amendment and Waiver.

          No modification, amendment or waiver of any provision of this
Agreement shall be effective unless such modification, amendment or waiver is
approved in writing by each of AIHL, Darwin Group and DPUI; provided, however,
that any changes to the modifications of the arrangements between the Darwin
Companies and the Capitol Companies described on Exhibit C hereto shall also
require the approval in writing of the Employee Representative. The failure of
any party to enforce any of the provisions of this Agreement shall in no way be
construed as a waiver of such provisions and shall not affect the right of such
party thereafter to enforce each and every provision of this Agreement in
accordance with its terms.

          12. Entire Agreement.

          This Agreement, together with the exhibits hereto and the other
writings referred to herein or delivered pursuant hereto, which form a part
hereof, contain the entire agreement and understanding among the parties with
respect to the subject matter hereof and supersedes and preempts any prior
understandings, agreements or representations by or among the parties, written
or oral, which may have related, to the subject matter hereof in any way.

          13. Successors and Assigns.

          This Agreement shall bind and inure to the benefit of and be
enforceable by AIHL, Darwin Group, DPUI and each of their respective successors,
assigns, heirs and personal representatives. AIHL shall have the right to assign
all or part of its rights and obligations under this Agreement, without the
consent of Darwin Group or DPUI, to any Third Party that acquires shares of
capital stock of Darwin Group and/or DPUI in connection with an AIHL Sale.
Except as provided in the preceding sentence, no party shall have the right to
assign all or part of its rights and obligations under this Agreement without
the consent of the other parties hereto. Upon any such assignment, such assignee
shall have and be able to exercise and enforce all rights of the assigning party
which are assigned to it and, to the extent such rights are assigned, any
reference to the assigning party shall be treated as a reference to the
assignee.

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          14. Severability.

          Whenever possible, each provision of this Agreement shall be
interpreted in such manner as to be effective and valid under applicable law,
but if any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule in any
jurisdiction, such invalidity, illegality or unenforceability shall not affect
any other provision or any other jurisdiction, but this Agreement shall be
reformed, construed and enforced in such jurisdiction as if such invalid,
illegal or unenforceable provision had never been contained herein.

          15. Remedies.

          Each party shall be entitled to enforce its rights under this
Agreement specifically, to recover damages by reason of any breach of any
provision of this Agreement and to exercise all other rights existing in its
favor. The parties agree and acknowledge that money damages may not be an
adequate remedy for any breach of the provisions of this Agreement and that each
party may in its sole discretion apply to any court of law or equity of
competent jurisdiction for specific performance and/or injunctive relief
(without posting a bond or other security) in order to enforce or prevent any
violation of the provisions of this Agreement.

          16. Notices.

          All notices, requests and other communications pursuant to this
Agreement shall be in writing and shall be deemed to have been duly given, if
delivered in person or by courier, or sent by express, registered or certified
mail, postage prepaid, to AIHL or to Darwin Group or to DPUI at the address set
forth below:

          If to AIHL:

               Alleghany Insurance Holdings LLC
               c/o Alleghany Corporation
               7 Times Square Tower
               17th Floor
               New York, NY 10036
               Attention: Chairman

               with a copy to:

               Alleghany Corporation
               7 Times Square Tower
               17th Floor
               New York, NY 10036
               Attention: General Counsel

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          If to Darwin Group:

               Darwin Group, Inc.
               9 Farm Springs Road
               Farmington, Connecticut 06032
               Attention: Chairman

               with a copy to:

               Alleghany Corporation
               7 Times Square Tower
               17th Floor
               New York, NY 10036
               Attention: General Counsel

          If to DPUI:

               Darwin Professional Underwriters, Inc.
               9 Farm Springs Road
               Farmington, Connecticut 06032
               Attention: Chairman

               with a copy to:

               Alleghany Corporation
               7 Times Square Tower
               17th Floor
               New York, NY 10036
               Attention: General Counsel

Any party may, by written notice to the other party hereto, change the address
to which notices to such party are to be delivered or mailed.

          17. Governing Law; Submission to Jurisdiction; Waiver of Jury Trial.

          This Agreement shall be governed by and construed in accordance with
the laws of the State of Delaware, regardless of the laws that might otherwise
govern under applicable principles of conflicts of laws thereof. Each of the
parties hereby irrevocably and unconditionally consents to submit to the
exclusive jurisdiction of the courts of the state and federal courts located in
the State of Delaware for the purposes of enforcing this Agreement. The parties
shall take such actions as are within their control to cause any matter
contemplated hereby to be assigned to the Chancery Court of the State of
Delaware. In any action, suit or other proceeding, each of the parties hereto
irrevocably and unconditionally waives and agrees not to assert by way of
motion, as a defense or otherwise any claim that it is not subject to the
jurisdiction of the above courts, that such action or suit is brought in an
inconvenient forum or that the venue of such action, suit or other proceeding is
improper. Each of the parties hereto also agrees that any final and unappealable
judgment against a party hereto in connection with any action,

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suit or other proceeding shall be conclusive and binding on such party and that
such award or judgment may be enforced in any court of competent jurisdiction,
either within or outside of the United States. A certified or exemplified copy
of such award or judgment shall be conclusive evidence of the fact and amount of
such award or judgment. Each of the parties hereto hereby irrevocably waives any
and all right to trial by jury in any legal proceeding arising out of or related
to this Agreement or the transactions contemplated hereby.

          18. Descriptive Headings.

          The descriptive headings of this Agreement are inserted for
convenience only and do not constitute a part of this Agreement.

          19. Survival of Representations and Warrants.

          All representations and warranties contained in this Agreement or made
in writing by any party in connection herewith shall survive the execution and
delivery of this Agreement and the consummation of the transactions contemplated
hereby regardless of any investigation made by, or on behalf of, the other party
hereto.

          20. Counterparts.

          This Agreement may be executed in separate counterparts each of which
shall be an original and all of which taken together shall constitute one and
the same agreement.

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

                                        ALLEGHANY INSURANCE HOLDINGS LLC

                                        By: /s/ Weston M. Hicks
                                            ------------------------------------
                                        Name: Weston M. Hicks
                                        Title: Chief Executive Officer

                                        DARWIN GROUP, INC.

                                        By: /s/ Stephen J. Sills
                                            ------------------------------------
                                        Name: Stephen J. Sills
                                        Title: President and Chief Executive
                                               Officer

                                        DARWIN PROFESSIONAL UNDERWRITERS, INC.

                                        By: /s/ Stephen J. Sills
                                            ------------------------------------
                                        Name: Stephen J. Sills
                                        Title: President and Chief Executive
                                               Officer

                                       11<PAGE>
                                                                   Exhibit 10.10

                         PROGRAM ADMINISTRATOR AGREEMENT

This Program Administrator Agreement ("Agreement") is effective as of October 1,
2004 (the "Effective Date") between American Professional Agency, Inc., the
("Program Administrator"), Darwin Professional Underwriters Inc. ("the
Company"), and Darwin National Assurance Company, Platte River Insurance
Company, and Capitol Specialty Insurance Corporation. The parties hereto hereby
agree as follows:

                                       I.

                    APPOINTMENT AND ACCEPTANCE OF APPOINTMENT

APPOINTMENT AND ACCEPTANCE OF APPOINTMENT. Subject to applicable laws and
regulations and the terms and conditions of the Agreement, including any
attached Appendix or Addendum, the Company hereby appoints the Program
Administrator and the Program Administrator accepts such appointment as the
Company's producer for the classes of business, lines of business, types of
risks or kinds of business set forth in APPENDIX A of this Agreement (the "
Psychiatrist Program").

TERRITORY. The authority of the Program Administrator shall only apply to
exposures or risks located in the territory defined and stated in APPENDIX A.

INDEPENDENT CONTRACTOR. By accepting this appointment, the Program Administrator
is not and shall not be deemed to be the Company's employee, but shall remain an
independent contractor. Nothing in the Agreement shall be interpreted as
creating a relationship of employer/employee, joint venture or association
between the Company and the Program Administrator. The Program Administrator
shall not represent that the Program Administrator is an employee of the
Company, nor shall the Program Administrator in any manner hold the Program
Administrator out to be an employee of the Company.

INDEPENDENT JUDGMENT. The Program Administrator shall be free to exercise
independent judgment as to the time, place and manner of soliciting insurance
and providing services to policyholders; however, the Program Administrator
shall perform the Program Administrator's duties and obligations at all times in
accordance with the terms and conditions of this Agreement.

                                       II

                       AUTHORITY OF PROGRAM ADMINISTRATOR

SOLICIT, ACCEPT PROPOSALS OR APPLICATIONS. Subject to the terms and conditions
of this Agreement, the Company hereby grants to the Program Administrator
authority and the Program Administrator hereby accepts the authority to solicit
and receive proposals and applications for insurance for risks in the territory
defined and stated in APPENDIX A.

BINDING AUTHORITY. Subject to the terms and conditions of this Agreement, the
Company hereby grants to the Program Administrator authority and Program
Administrator hereby accepts the authority to bind certain kinds of business set
forth in APPENDIX A.

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UNDERWRITING. Subject to the terms and conditions of this Agreement, the Company
hereby grants to the Program Administrator authority and the Program
Administrator hereby accepts the authority to underwrite the kinds of business
set forth in APPENDIX A in accordance with the Company's authority and
Underwriting Guidelines.

POLICY AND CERTIFICATE ISSUANCE AND DELIVERY. Subject to the terms and
conditions of this Agreement, the Company hereby grants to the Program
Administrator authority and Program Administrator hereby accepts the authority
to issue and deliver certain policies of insurance and certificates of insurance
(such forms of which shall be drafted by the Company with the Program
Administrator's assistance) for the kinds of business set forth in APPENDIX A.

ADMINISTRATION. Subject to the terms and conditions of this Agreement, the
Company hereby grants to the Program Administrator and Program Administrator
accepts the authority to administer, including rating, the kinds of insurance
set forth in APPENDIX A.

COLLECTION AND REMITTANCE OF PREMIUM. Subject to the terms and conditions of
this Agreement, the Company hereby grants to the Program Administrator and the
Program Administrator hereby accepts the authority to collect, receive, account
for and timely remit to the Company premium and other applicable charges for the
kinds of business set forth in APPENDIX A.

CANCELLATION, RENEW, RENEW WITH ALTERED TERMS AND NON-RENEWAL. Subject to the
terms and conditions of this Agreement and applicable law, the Company hereby
grants to the Program Administrator and the Program Administrator hereby accepts
the authority to cancel, renew, renew with altered terms and non-renew insurance
policies for the kinds of business set forth in APPENDIX A.

APPLICABILITY OF AUTHORITY. The authority granted by the Company and the
acceptance by the Program Administrator as stated in this section is limited and
applicable only to the classes of business, lines of business, or types of risks
("kinds of business") set forth in APPENDIX A and amendments made from time to
time by the Company to APPENDIX A.

MAXIMUM POLICY LIMITS OF LIABILITY OR AMOUNTS OF INSURANCE AND OTHER TERMS AND
CONDITIONS. The Program Administrator shall neither issue any policy nor bind
any insurance on behalf of the Company, nor extend or increase the Company's
liability on any existing policy or binder with regard to limits of liability or
amounts of insurance in excess of the maximum limits of liability or amounts of
insurance stated or referenced in excess of the maximum limits or amounts of
insurance stated or referenced in APPENDIX A, nor issue any policy or
endorsement, or bind or modify any insurance in a manner inconsistent with
APPENDIX A.

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                                       III

              ADMINISTRATIVE SERVICES OF THE PROGRAM ADMINISTRATOR

The Program Administrator shall perform the following administrative services on
behalf of the Company:

UNDERWRITING GUIDELINES. Assist the Company in developing Underwriting and
Producer Guidelines and modifications thereof for the kinds of business
applicable to this Agreement, to be approved by the Company in writing prior to
use. The Company is required to provide a minimum of ten (10) days written
notice to the Program Administrator prior to implementing a change in the
underwriting guidelines or base rate pricing. Provided that any change in
underwriting guidelines will not apply to accounts which have already been
quoted unless mutually agreed by the Company and Program Administrator.

PROCESS APPLICATIONS. Process applications for insurance.

PREMIUM AND REMITTANCE. Subject to Section VI PREMIUMS, collect, receive and
account and timely remit premiums to the Company and other charges including,
but not limited to, all applicable fees, surcharges, and taxes imposed by any
federal, state or municipal authorities.

SURPLUS LINES TAX AND FEES. Collect remit and report surplus lines taxes and
fees in accordance with all requirements of state law.

RATE AND QUOTE POLICIES OF INSURANCE; POLICY INFORMATION SERVICES. Rate and
quote policies of insurance and certificates of insurance consistent with the
Company's rate, rule and form filings promulgated, made or adopted in writing by
the Company, the authority granted herein, and the guidelines referenced in
APPENDIX A, as well as to provide policy information services for insureds.

CERTIFICATE AND POLICY ISSUANCE. Issue and deliver certificates of insurance and
policies of insurance consistent with the Company's rate, rule and form filings
made, adopted, or prescribed in writing by the Company, and in accordance with
the terms and conditions of this Agreement and the authority granted herein. The
Program Administrator will only use policies, endorsements and all other forms
approved by the Company in connection with its duties hereunder. The Company
may, upon 30 days' notice to the Program Administrator, assume some or all
responsibility for the issuance of certificates of insurance, policies or
endorsements.

MARKETING INFORMATION. All marketing information provided by the Program
Administrator shall remain the property of the Program Administrator.

RECORD KEEPING. The Program Administrator shall keep accurate records of all
policies, endorsements and renewals issued by the Program Administrator on the
Company's behalf and keep accurate records of all premiums collected or due and
owing thereon. All such records shall be open to examination by the Company any
time during normal business hours, subject to written request by the Company to
make such records available within five (5) business days.

                                       3

<PAGE>

REGULATORY COOPERATION. The Program Administrator will immediately notify the
Company of any investigation or inquiry from any insurance or other governmental
body and will cooperate with the Company in connection therewith.

                                       IV

                                LOSS INFORMATION

LOSS INFORMATION PROVIDED. For all business under this Agreement, the Company
will provide the Program Administrator with loss information in a mutually
acceptable electronic format no less frequently than quarterly which shall
include the following information to date: written premium, earned premium,
indemnity payments, expense payments, outstanding reserves, total losses, loss
ratio, total claims, open claims, type of claim, claimant name, and policy
count. The loss information on all insurance written under this Agreement shall
be provided to the Program Administrator during the term of the Agreement and
for a period of five (5) years from the termination of this Agreement. Provided
that if such termination was by the Company under SECTION XI TERMINATION,
PARAGRAPH C or by the Program Administrator under SECTION XI TERMINATION,
PARAGRAPH B, without complying with the proviso therein (hereinafter each
referred to as an "Exception Termination"), the Company shall have no obligation
to provide loss information after the effective date of termination of this
agreement. Except as set forth in the preceding sentence, modification to the
loss information provided, or the frequency of reports, will be made upon
agreement of the Company and the Program Administrator.

OWNERSHIP OF INFORMATION. The results of any insurance written under this
Agreement, loss and pricing data, surveys, loss control information, and other
related data provided to the Program Administrator are the property of the
Company, but may be used by the Program Administrator unless this Agreement has
been the subject of an Exception Termination.

                                        V

                                   COMMISSIONS

COMMISSIONS EARNED. Commissions are earned in accordance with APPENDIX B and may
not be changed without the mutual written consent of the parties.

                                       VI

                                    PREMIUMS

COLLECTION AND REMITTANCE OF PREMIUM. The Program Administrator shall collect
all premiums and other charges due from insureds or other parties, whether the
policy is written directly by the Program Administrator or through the Program
Administrator's sub-agents, sub-brokers or sub-producers.

PREMIUMS REQUIRED TO BE DEPOSITED INTO A PREMIUM TRUST FUND ACCOUNT. The Program
Administrator shall hold all premiums and return premiums received by the
Program Administrator on behalf of the Company in a fiduciary capacity as
trustee for the Company in a

                                       4

<PAGE>

premium trust account. The premium trust fund account shall be maintained in
accordance with applicable state law. The Program Administrator will promptly
keep the Company advised of any change in the bank where funds are so deposited
and will require that the Company be furnished with such information as the
Company may require from time to time, including but not limited to, the amount
on deposit for the Company in any such account at any time, a list of checks
drawn on any account containing the names of the payee and the amounts and any
other information requested by the Company relating to the Company's premium
monies.

NO COMMINGLING OF PREMIUM MONIES. The Program Administrator shall not commingle
any premium monies collected pursuant to this Agreement with the Program
Administrator's operating funds.

AUTHORIZED SIGNATURE. The Program Administrator irrevocably authorizes the
Company, at any time, to require the bank to provide to the Company a duplicate
bank statement(s) and/or photocopies of all checks cleared from the premium
trust fund account.

INVESTMENT ACCOUNTS AND RIGHTS TO INTEREST ON FIDUCIARY PREMIUM TRUST FUND
ACCOUNT. Funds on deposit with the premium trust fund account required by this
Agreement may be invested subject to the requirements of applicable state law
and regulations in the following types of accounts and/or instruments and no
other: demand accounts, time accounts, commercial paper rated Al or better by
Standard and Poors and certificates of deposit with a maturity of not more than
one year. Subject to the requirements of applicable state law and regulations,
the Program Administrator may retain any interest or income earned from such
investments.

WITHDRAWAL OF FUNDS FROM FIDUCIARY PREMIUM TRUST FUND ACCOUNT. The Program
Administrator may withdraw sums from the premium trust fund account only for
payments due to the Company or commissions due to the Program Administrator or
for return premiums due to policyholders of the Company. The privilege of
deducting commissions from premium monies received by the Program Administrator
shall not be construed as an alteration of the fiduciary capacity.

Withdrawals from bank accounts and the premium trust fund account must be in
accordance with the laws of the applicable various states and this Agreement.
The net amounts due to the Company shall be forwarded to the Company, as
described in this Agreement.

PREMIUM DUE DATES. Premium net of commission on each binder, policy, installment
or transaction is due and shall be received not later than fifteen (15) days
after the end of the month in which the binder, policy, installment or
transaction was effective. With regard to delinquent installment payments,
Program Administrator shall be liable for any uncollected premium due prior to
the effective date of policy cancellation. Additional premiums developed by
adjustments or audits are due within fifteen (15) days of the date of the
preparation of the billing by the Company or the Program Administrator. The
Program Administrator shall remit all premiums and other monies in accordance
with the terms of this Agreement even if a binder, policy, contract,
endorsement, or other document has not been issued by the payment due date.

                                       5

<PAGE>

STATISTICAL INFORMATION REPORTS. The Program Administrator agrees to provide the
Company with all pertinent statistical information as requested by the Company
in the time periods and form required by the Company.

ACCOUNTING OR PAYMENT DELINQUENCY. If the Program Administrator is delinquent in
either accounting for or payment of monies due to the Company and fails to cure
such delinquency within seven (7) business days, then the Company may, by
written notice to the Program Administrator, suspend or modify any of the
provisions of this Agreement.

OFFSET OF BALANCE. The Company may offset any balance or balances due from the
Program Administrator under this Agreement with any balance the Company holds
due the Program Administrator.

NO WAIVER OF FIDUCIARY RELATIONSHIP. Nothing done by the Company with respect to
maintaining a depositor/creditor account with the Program Administrator, or the
Company booking, or the rendering of such accounts from time to time between the
Company and the Program Administrator, or the failure of the Company to enforce
prompt remittance, or any changes to compensation rates, or any compromise or
settlement, or any other actions of the Company, shall modify or waive the
fiduciary relationship as to the premium collected by the Program Administrator.

                                       VII

          COMPANY INSTRUCTIONS, UNDERWRITING GUIDELINES, RULES, MANUALS

COMPLIANCE WITH COMPANY INSTRUCTIONS. The Program Administrator shall timely
comply with and be bound by all of the underwriting guidelines, rules,
bulletins, manuals or other written instructions issued by the Company now in
force or as they hereafter may be amended or supplemented, and all applicable
laws and regulations of the appropriate jurisdiction, including maintenance of
proper licenses for itself or subproducers necessary to produce business, and
surplus lines procedures.

                                      VIII

                       ADVERTISING AND MARKETING MATERIALS

ADVERTISING AND MARKETING MATERIALS REQUIRE COMPANY APPROVAL. The Program
Administrator shall not use the Company's marketing materials, or use the
Company's logo, trademark trade name, name or the name of any of its affiliates
or member companies, or associated companies without the consent of the Company
thereto in writing. Such consent shall not be unreasonably withheld.

MARKETING MATERIALS APPROVAL. The Program Administrator shall submit to the
Company all proposed advertising, brochures, sales promotions and other
solicitation materials for new and renewal business which are subject to this
Agreement for the Company's review and written approval prior to dissemination.
The Company will attempt to review all promotion copy within ten (10) working
days of the receipt of such copy. Such approval shall not unreasonably be

                                       6

<PAGE>

withheld. Company approved promotion material may be used by the Program
Administrator for subsequent promotions without further Company approval, if the
subsequent promotion takes place within 1 year of the original promotion, and
the Company has not notified the Program Administrator that the approval has
been withdrawn.

ADVERTISING AND MARKETING MATERIALS EXPENSE. Approval by the Company of
advertising or marketing material shall not in any event be construed as
charging or binding the Company to bear any part of the cost or expenses
thereof.

                                       IX

                                    EXPENSES

EXPENSES INCURRED BY PROGRAM ADMINISTRATOR. The Program Administrator is
responsible for all expenses in connection with the solicitation of insurance or
performance of any duties or obligations of the Program Administrator, all
commissions to sub-producers and any other expenses of the Program
Administrator, such as rent, office upkeep, postage, city license fees,,
systems, salaries, promotional and advertising expenses, traveling expenses, and
all other program administrative expenses of whatever nature or kind unless
otherwise agreed to in writing by the Company.

                                        X

                           INDEMNIFICATION; INSURANCE

PROGRAM ADMINISTRATOR INDEMNIFICATION. The Program Administrator agrees to
indemnify and save the Company and its officers, directors, and employees
harmless from any damage and against any liability for loss, costs, expenses,
fines, penalties, including punitive or exemplary damages, and all cost of
defense: (1) resulting from any negligent or intentionally wrongful act, error,
or omission by the Program Administrator and its officers, directors, employees,
and its wholly-owned producers, related to or which arise out of the business
covered by this Agreement, or (2) resulting from any obligation, act or
transaction created or performed by the Program Administrator in violation of,
in excess of, or in contravention of the power and authority of the Program
Administrator set forth in this Agreement, except to the extent such acts or
omissions in (1) or (2) above were contributed to or compounded by the Company.

COMPANY INDEMNIFICATION. The Company agrees to indemnify and save the Program
Administrator and its officers, directors, employees, harmless from any damage
and against any liability for loss, cost, expenses, fines, penalties, including
punitive or exemplary damages, and all costs of the defense: (1) resulting from
any negligent or intentionally wrongful act, error, or omission by the Company
and its officers, directors and employees, related to or which arise out of the
business covered by this Agreement, or (2) resulting from any obligation, act,
or transaction created or performed by the Company in violation of, in excess
of, or in contravention of the power and authority of the company set forth in
this Agreement or (3) resulting from any act, error, or omission, whether
intentional or unintentional, by the Company and its officers, directors,
agents, and employees, related to or which arise out of the handling of

                                       7

<PAGE>

any claims by the Company, except to the extent such acts or omissions in (1),
(2) or (3) above were contributed to or compounded by the Program Administrator.

ERRORS AND OMISSIONS & FIDELITY BOND.

A. The Program Administrator warrants that it shall maintain during the term of
this Agreement and until such time as its duties and obligations under this
Agreement are fully and completely performed, Errors and Omission Liability
Insurance (E&O Coverage) in an amount not less than $5,000,000 for any one event
or occurrence and in the aggregate. The Program Administrator further warrants
that it will give the Company written notice of any change, cancellation, or
other termination of the Program Administrator's E&O Coverage as soon as it is
aware of such change, cancellation, or other termination of the Program
Administrator's E&O Coverage. A certificate of insurance will be provided to the
Company by the Program Administrator before the effective date of this
Agreement.

B. The Program Administrator warrants that it shall maintain during the term of
this Agreement and until such time as its duties and obligations under this
Agreement are fully and completely performed, a fidelity bond covering all of
the Program Administrator's operations and employees servicing the business
written pursuant to this Agreement in an amount no less than $2,000,000 and on a
form reasonably satisfactory to the Company. The Program Administrator further
warrants that it will give the Company written notice of any change,
cancellation, or other termination of the fidelity bond as soon as it is aware
of such change, cancellation, or other termination of the fidelity bond.

                                       XI

                                   TERMINATION

A. This Agreement may be terminated at any time by mutual written agreement of
the Program Administrator and the Company.

B. Either party shall have the right to terminate this Agreement by written
notice to the other party specifying the effective date of such termination,
which shall be not less than 180 days thereafter. Provided, however, that in the
event that the Company maintains access for the Program Administrator to writing
companies whose paper is rated "A" or better by A.M. Best, and has complied with
the obligations of this Agreement, the Program Administrator will not terminate
the Agreement and enter into a similar agreement with another entity
substantially covering the business formerly covered by the Agreement without
offering the Company the opportunity to match the financial terms proposed in
the agreement with the other entity.

C. This Agreement shall terminate automatically upon the insolvency of, or
fraud, willful misconduct, or misappropriation of any of the Company's funds by,
the Program Administrator.

D. Except as provided in SECTION VI (ACCOUNTING OR PAYMENT DELINQUENCY) or
PARAGRAPH C above, in the event either party believes the other party or any
person for whom they may be responsible, has breached, non-performed, or
violated any provision, term or condition of this Agreement, the aggrieved party
shall provide by written notice to the defaulting party specifying

                                       8

<PAGE>

the alleged breach, non-performance, or violation committed. From the date such
notice was received, the aggrieved party shall permit the defaulting party (1)
to rectify such breach, non-performance, or violation within ten (10) days after
receipt of such written notice or, (2) 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 the aggrieved party. If the aggrieved party
determines at any time that the defaulting party has not made a good faith
effort to cure, or if at the expiration of the cure period the breach,
non-performance, or violation has not been rectified or cured and so notifies
the defaulting party in writing, the termination of the Agreement shall take
place ten (10) days from the transmittal of such notice.

In the event the Program Administrator violates the Company's written
underwriting guidelines in APPENDIX A and, after written notice given in
accordance with this PARAGRAPH D, the Program Administrator fails to cure the
violation, the Company may, in its sole discretion and in addition to the other
remedies provided in this PARAGRAPH D, suspend, modify or withdraw the authority
of the Program Administrator.

E. Except as otherwise provided in this Agreement, termination will not affect
the rights and obligations of the parties as to transactions, acts, or things
done by either party prior to the effective date of termination.

                                       XII

                    OWNERSHIP OF RECORDS AND NON-SOLICITATION

The Program Administrator is the sole and exclusive owner of the expirations of
the business herein, unless the Agreement has been the subject of an Exception
Termination, which takes place more than 9 months, but fewer than 5 years from
the effective date of this Agreement, in which case the Program Administrator
and the Company have joint ownership of the expirations of the business. In the
event that this Agreement is terminated pursuant to an Exception Termination
after 5 years from the effective date of this Agreement, the Program
Administrator will remain the sole and exclusive owner of the expirations of the
business.

In the event that this Agreement is terminated for any reason other than an
Exception Termination, the Company and its respective successors-in-interest
agree not to solicit the Program Administrator's customers for three (3) years
following such termination. Solicitation will not include the submission of a
customer's account to the Company by another producer, if such submission was
made independent of information provided, or direction from the Company.

This section shall survive the termination of this Agreement.

                                      XIII

                                      AUDIT

The Company may inspect or audit the Program Administrator's financial and
accounting records that relate solely to this Agreement, for the purpose of
verifying compliance with this Agreement. Either during or within seven (7)
years after the term of this Agreement, the

                                       9

<PAGE>

Company may inspect or audit the Program Administrator's records relating to
this Agreement for the purpose of verifying coverage under policies or
certificates of insurance issued by the Program Administrator for the Company.
Such records shall be available during normal business hours within five (5)
business days of the Company's written request. Any expenses incurred by the
Company as a result of the inspection or audit, including any photocopying
expenses, shall be the Company's responsibility.

                                       XIV

                                     NOTICES

The Program Administrator shall promptly send, by certified mail or pre-paid
courier, evidences of insurance and all notices required under this Agreement
other than claim notices to:

Darwin Professional Underwriters, Inc.
76 Batterson Park Road
Farmington, Connecticut 06032
Attention:

The Company shall promptly send, by certified mail or pre-paid courier, all
notices required under this Agreement other than claim notices to:

American Professional Agency, Inc.
95 Broadway
Amityville, NY 11701

The Program Administrator shall immediately report all claims and losses and
turn over all legal papers to:

Darwin Professional Underwriters, Inc.
76 Batterson Park Road
Farmington, Connecticut 06032
Attention: Claim Department

and

Premium payments will be sent via wire transfer according to instructions
provided by the Company.

                                       XV

                          CONFIDENTIALITY AND SECURITY

A. The Company and the Program Administrator will protect the integrity and
confidentiality of all information collected, developed or maintained in the
course of servicing business under this Agreement, regardless of the form of the
information or where the information resides.

                                       10

<PAGE>

B. The Company and the Program Administrator will protect such information and
all information processing resources in their respective possession, used in the
course of servicing business under this Agreement against damage, loss,
unauthorized use, modification or disclosure, whether accidental or intentional.

C. The Company and the Program Administrator agree that information which is
treated as confidential by the supplying party for the purpose of this Agreement
will be deemed to be confidential by the receiving party unless and until the
information is (i) in or becomes part of the public domain other than by
disclosure by the receiving party in violation of this Agreement, (ii)
demonstrably known to the receiving party previously, (iii) independently
developed by the receiving party outside of this Agreement, or (iv) rightfully
obtained by the receiving party from third parties who are not under any
confidentiality agreement. Notwithstanding anything to the contrary above,
either party may disclose the information in response to appropriate
governmental requirements or court order, and will provide prompt written notice
to the other party if not restricted by the government requirements. The
recipient of such written notice may choose to object to the disclosure of such
information or may elect to pay the disclosing party the legal costs of
resisting disclosure of such information.

D. This section shall survive the termination of this Agreement.

                                      XVI

                                  MISCELLANEOUS

AMENDMENT. Except as provided in SECTION III of this Agreement, no modification,
amendment or waiver of any provision of this Agreement shall in any event be
effective unless the same shall be mutually agreed upon by the Program
Administrator and the Company and shall be in writing and signed by an officer
of the Program Administrator and the Company. Such waiver or consent shall be
effective only in the specific instance and for the purpose to which given. This
Agreement cannot be amended by any subsequent practices or courses of dealing by
the parties inconsistent herewith. Provided, however, that underwriting
guidelines in APPENDIX A may be amended by the Company upon written notice to
the Program Administrator.

NO WAIVER. No failure or delay on the part of the Company in exercising any
right, power, or remedy hereunder shall operate as a waiver thereof nor shall
any single or partial exercise of any such right, power, or remedy preclude any
other or further exercise thereof for the exercise of any other right, power, or
remedy hereunder. The rights and remedies provided herein are cumulative, and
are not exclusive of any other rights, powers, privileges, or remedies, now or
hereafter existing, at law or in equity or otherwise.

SUCCESSORS AND ASSIGNS. This Agreement shall be binding upon and inure to the
benefit of the Program Administrator, the Company and their respective
successors and assigns, except that the Program Administrator may not assign or
transfer any of its compensation, rights or obligations under this Agreement
without the prior written consent of the Company. Such written consent shall not
be unreasonably withheld.

                                       11

<PAGE>

INTEGRATION. This Agreement contains the entire agreement between the parties
relating to the subject matter hereof and supersedes all oral statements and
prior writings with respect thereto.

GOVERNING LAW. The laws of Connecticut shall govern all matters concerning the
validity, performance, and interpretation of this Agreement without giving
effect to conflicts of law principles.

SEVERABILITY OF PROVISIONS. Any provision of this Agreement which is prohibited
or unenforceable in any jurisdiction shall, as to such jurisdiction, be
ineffective to the extent of such prohibition or unenforceability without
invalidating the remaining provisions of this Agreement or affecting the
validity or enforceability of such provision in any other jurisdiction.

PRIOR AGREEMENTS. This Agreement supersedes any prior agreement between the
Company and the Program Administrator, or their predecessors, relating to the
kinds of business written and applicable to this Agreement.

COUNTERPARTS. This Agreement may be executed in any number of counterparts and
by different parties to this Agreement in separate counterparts, each of which
when so executed shall be deemed to be an original and all of which taken
together shall constitute one and the same Agreement.

HEADINGS. The headings in the Agreement are included for the convenience of
reference only and shall not constitute a part of this Agreement for any other
purpose.

IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement on this
3rd day of September, 2004.

Darwin Professional Underwriters Inc.   American Professional Agency, Inc.

By: /s/ Mark Rosen                      By: /s/ Richard C. Imbert
    ---------------------------------       ------------------------------------

Darwin National Assurance Company       Platte River Insurance Company

By: /s/ Stephen J. Sills                By: /s/ Stephen J. Sills
    ---------------------------------   ----------------------------------------

Capitol Specialty Insurance
Corporation

By: /s/ Stephen J. Sills
    ---------------------------------

                                       12

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