Document:

Exhibit 10.2

                    COMPREHENSIVE PREFERRED ESCROW AGREEMENT

                          Account Number 0914362-00002

This  Agreement  is effective  September  28, 2001 among DSI  Technology  Escrow
Services,  Inc. ("DSI"),  INSpire Insurance  Solutions,  Inc.  ("Depositor") and
Millers  American  Group,  Inc.,  acting on behalf of itself and its affiliates,
("Preferred Beneficiary"), who collectively may be referred to in this Agreement
as "the parties."

A.     WHEREAS Depositor and Preferred Beneficiary have entered into a Master
       Services Agreement dated December 30, 1999, inclusive of various Service
       Addendums including but not limited to IT Service Addendums 1.1.5 and
       1.1.6 (as subsequently amended from time to time);

B.     WHEREAS Depositor desires to avoid disclosure of its proprietary
       technology except under certain limited circumstances;

C.     WHEREAS the availability of the proprietary technology of Depositor is
       critical to Preferred Beneficiary in the conduct of its business and,
       therefore, Preferred Beneficiary needs access to the proprietary
       technology under certain limited circumstances;

D.     WHEREAS Depositor and Preferred Beneficiary desire to establish an escrow
       with DSI to provide for the retention, administration and controlled
       access of the proprietary technology materials of Depositor;

E.     The parties desire this Agreement to be supplementary to the Master
       Services Agreement pursuant to 11 United States Code, Section 365 (n).

ARTICLE I - DEPOSITS

1.1    Obligation to Make Deposit. Upon the signing of this Agreement by the
       parties, Depositor shall deliver to DSI the proprietary technology and
       other materials necessary for the continued operation of Preferred
       Beneficiaries business ("Deposit Materials") required to be deposited by
       the Master Services Agreement or, if the Master Services Agreement does
       not identify the materials to be deposited with DSI, then such materials
       will be identified on an Exhibit A. If Exhibit A is applicable, it is to
       be prepared and signed by Depositor. DSI shall have no obligation with
       respect to the preparation, signing or delivery or Exhibit A.

1.2    Identification of Tangible Media. Prior to the delivery of the Deposit
       Materials to DSI, Depositor shall conspicuously label for identification
       each document, magnetic tape, disk, or other tangible media upon which
       the Deposit Materials are written or stored. Additionally, Depositor
       shall complete Exhibit B to this Agreement by listing each such tangible
       media by the item label description, the type of media and the quantity.
       The Exhibit B must be signed by Depositor and delivered to DSI with the
       Deposit Materials. Unless and until Depositor makes the initial deposit
       with DSI, DSI shall have no obligation

                                      1

<PAGE>

       with respect to this  Agreement,  except the  obligation to notify the
       parties  regarding  the status of the  deposit  account as required in
       Section 2.2 below.

1.3    Deposit Inspection. When DSI receives the Deposit Materials and the
       Exhibit B, DSI will conduct a deposit inspection by visually matching the
       labeling of the tangible media containing the Deposit Materials to the
       item descriptions and quantity listed on the Exhibit B. In addition the
       deposit inspection, Preferred Beneficiary may elect to cause a
       verification of the Deposit Materials in accordance with Section 1.6
       below.

1.4    Acceptance of Deposit. At completion of the deposit inspection, if DSI
       determines that the labeling of the tangible media matches the item
       descriptions and quantity on Exhibit B, DSI will date and sign the
       Exhibit B and mail a copy thereof to Depositor and Preferred Beneficiary.
       If DSI determines that the labeling does not match the item descriptions
       or quantity on the Exhibit B, DSI will (a) note the discrepancies in
       writing on the Exhibit B; (b) date and sign the Exhibit B with the
       exceptions noted; and (c) mail a copy of the Exhibit B to Depositor and
       Preferred Beneficiary. DSI's acceptance of the deposit occurs upon the
       signing of the Exhibit B by DSI. Delivery of the signed Exhibit B to
       Preferred Beneficiary is Preferred Beneficiary's notice that the Deposit
       Materials have been received and accepted by DSI.

1.5    Depositor's Representations.  Depositor represents as follows:

        a.     Depositor lawfully possesses all of the Deposit Materials
               deposited with DSI;

        b.     With respect to all the Deposit Materials, Depositor has the
               right and authority to grant to DSI and Preferred Beneficiary the
               rights as provided in this Agreement;

        c.     The Deposit Materials are not subject to any lien or other
               encumbrance;

        d.     The Deposit Materials consist of the proprietary technology and
               other materials identified either in the Master Services
               Agreement or Exhibit A, as the case may be; and

        e.     The Deposit Materials are readable and useable in their current
               form, or, if any portion of the Deposit Materials are encrypted,
               the decryption tools and decryption keys have also been
               deposited.

1.6    Verification. DSI shall perform a Level I verification of the Deposit
       Materials upon the initial deposit and for each update. A verification
       determines, in different levels of detail, the accuracy, completeness,
       sufficiency and quality of the Deposit Materials. A Level I verification
       is defined as follows: DSI will cause a technically qualified DSI
       employee to evaluate the Deposit Materials in order to identify (a) the
       hardware and software configurations reasonably necessary to maintain the
       Deposit Materials; (b) the hardware and software configurations
       reasonably necessary to compile the Deposit Materials; and (c) the
       compilation instructions. DSI will then prepare and deliver to Depositor
       and Preferred Beneficiary, within 10 business days, a report describing
       the information so identified. It shall be the responsibility of the
       Depositor, and not DSI, to ensure that the Deposit

                                       2

<PAGE>

       Materials contain the information so identified in DSI's report, as well
       as any other information that may be required in the Master Services
       Agreement.

       Preferred Beneficiary shall have the right, at Preferred Beneficiary's
       expense, to cause higher levels of verification of any Deposit Materials.
       Preferred Beneficiary shall notify Depositor and DSI of Preferred
       Beneficiary's request for verification. Depositor shall have the right to
       be present at the verification. If a verification is elected after the
       Deposit Materials have been delivered to DSI, then only DSI, or at DSI's
       election an independent person or company selected and supervised by DSI,
       may perform the verification.

1.7    Deposit Updates. Notwithstanding anything to the contrary set forth in
       the Master Services Agreement, Depositor at its own expense, shall update
       the Deposit Materials once each quarter during the term of this
       Agreement. In addition to the Depositor's required quarterly deposits,
       Preferred Beneficiary, at its own expense, may request additional
       deposits upon its good faith determination that a material modification
       of the product has occurred. Such updates will be added to the existing
       deposit. All deposit updates shall be listed on a new Exhibit B and the
       new Exhibit B shall be signed by Depositor. Each Exhibit B will be held
       and maintained separately within the escrow account. An independent
       record will be created which will document the activity for each Exhibit
       B. The processing of all deposit updates shall be in accordance with
       Sections 1.2 and 1.6 above. All references in this Agreement to the
       Deposit Materials shall include the initial Deposit Materials and any
       updates.

       DSI shall notify Depositor in writing semi-annually of Depositor's
       obligation to make updated deposits. Within 30 days of receipt of each
       such notice, Depositor shall certify in writing to DSI that it has made
       the updated deposits as required in the immediately preceding paragraph.
       After the 30 days, DSI shall notify Preferred Beneficiary that DSI has
       received an updated deposit from Depositor or that no response has been
       received from Depositor. Unlimited deposit updates and two storage units
       are included in the fees for this Agreement.

1.8    Removal of Deposit Materials. The Deposit Materials may be removed and/or
       exchanged only on written instructions signed by Depositor and Preferred
       Beneficiary, or as otherwise provided in this Agreement.

ARTICLE 2 - CONFIDENTIALITY AND RECORD KEEPING

2.1    Confidentiality. DSI shall maintain the Deposit Materials in a secure,
       environmentally safe, locked facility that is accessible only to
       authorized representatives of DSI. DSI shall have the obligation to
       reasonably protect the confidentiality of the Deposit Materials. Except
       as provided in this Agreement, DSI shall not disclose, transfer, make
       available, or use the Deposit Materials. DSI shall not disclose the
       content of this Agreement to any third party. If DSI receives a subpoena
       or other order of a court or other judicial tribunal pertaining to the
       disclosure or release of the Deposit Materials, DSI will immediately
       notify the parties to this Agreement unless prohibited by law. It shall
       be the responsibility of Depositor and/or Preferred Beneficiary to
       challenge any such order; provided, however, that DSI does not waive its
       rights to present its position with respect to any such order.

                                       3

<PAGE>

       DSI will not be required to disobey any court or other judicial tribunal
       order. (See Section 7.5 below for notices of requested orders.)

2.2    Status Reports. DSI will issue to Depositor and Preferred Beneficiary a
       report profiling the account history at least semi-annually. DSI may
       provide copies of the account history pertaining to this Agreement upon
       the request of any party to this Agreement.

2.3    Audit Rights. During the term of this Agreement, Depositor and Preferred
       Beneficiary shall have the right to inspect the written records of DSI
       pertaining to this Agreement. Any inspection shall be held during normal
       business hours and following reasonable prior notice.

ARTICLE 3 - GRANT OF RIGHTS TO DSI

3.1    Title to Media. Depositor hereby transfers to DSI the title to the media
       upon which the proprietary technology and materials contained on the
       media such as any copyright, trade secret, patent or other intellectual
       property rights.

3.2    Right to Make Copies. DSI shall have the right to make copies of the
       Deposit Materials as reasonably necessary to perform this Agreement. DSI
       shall copy all copyright, nondisclosure, and other proprietary notices
       and titles contained on the Deposit Materials onto any copies made by
       DSI. With all Deposit Materials submitted to DSI, Depositor shall provide
       any and all instructions as may be necessary to duplicate the Deposit
       Materials including but not limited to the hardware and/or software
       needed.

3.3    Right to Transfer Upon Release. Depositor hereby grants to DSI the right
       to transfer the Deposit Materials to Preferred Beneficiary upon any
       Release Event of the Deposit Materials for use by Preferred Beneficiary
       in accordance with Section 4. Except upon such a Release Event or as
       otherwise provided in this Agreement, DSI shall not transfer the Deposit
       Materials.

ARTICLE 4 - RELEASE OF DEPOSIT

4.1    Release Event.  As used in this Agreement, "Release Event" shall mean one
       or more of the following:

        a.     Depositor's material breach of the Master Services Agreement or
               any of the Service Addendums included as a part hereof;

        b.     Depositor makes a general assignment for the benefit of creditors
               (except where assets are pledged by Depositor to a bank as
               collateral for a line of credit);

        c.     Depositor voluntarily files a petition for bankruptcy;

        d.     Depositor files a petition for reorganization of other similar
               arrangement under bankruptcy laws;

                                       4
<PAGE>

        e.     A petition in bankruptcy is filed against INSpire by a third
               party and such petition is not dismissed within ninety days of
               its filing date;

        f.     A receiver or trustee or other custodian of its assets is
               appointed for all or any part of the property and assets of
               INSpire; or

        g.     INSpire becomes insolvent.

4.2    Filing For Release of Deposit by Preferred Beneficiary. Upon written
       notice to DSI by Preferred Beneficiary of the occurrence of a Release
       Event as defined in Section 4.1, DSI shall provide a copy of the notice
       to Depositor by commercial express mail. From the date DSI mails the
       notice requesting release of the Deposit Materials, Depositor shall have
       ten business days to deliver to DSI contrary instructions. "Contrary
       Instructions" shall mean the written representation by Depositor that a
       Release Event has not occurred or has been cured to Preferred
       Beneficiary's satisfaction. Upon receipt of Contrary Instructions, DSI
       shall send a copy by commercial express overnight mail to Preferred
       Beneficiary that there is a dispute to be resolved pursuant to the
       dispute resolution section (Section 7.3) of this Agreement. Subject to
       Section 5.2 hereof, DSI will continue to store the Deposit Materials
       without release pending (a) joint instructions from Depositor and
       Preferred Beneficiary; (b) resolution pursuant to the dispute resolution
       provisions; (c) order of a court; or (d) if at any time DSI receives an
       affidavit from Preferred Beneficiary, within fifteen business days after
       DSI mails to Preferred Beneficiary a copy of the Contrary Instructions
       received from Depositor, stating that Depositor failed to operate and
       maintain the INSpire system (Application Software and/or Application
       System as defined in the Master Services Agreement) and/or meet
       applicable service standard levels set forth in the Master Services
       Agreement ("Affidavit"). Upon receipt of such Affidavit, DSI shall be
       authorized at any time to immediately release the Deposit Materials to
       the Preferred Beneficiary. DSI shall have no obligation to determine
       independently whether a Release Event occurred and shall have no right to
       refuse to deliver the Deposit Materials on the grounds that a Release
       Event has not occurred; however, DSI shall not be required to disobey a
       court order. DSI shall be required only to verify that the Affidavit
       purports to have been executed by the Preferred Beneficiary.

       If DSI does not receive Contrary Instructions from the Depositor, DSI is
       authorized to release the Deposit Materials to the Preferred Beneficiary
       or, if more than one beneficiary is registered to the deposit, to release
       a copy of the Deposit Materials to the Preferred Beneficiary. However,
       DSI is entitled to receive any reasonable fees due DSI before making the
       release. Any copying expense in excess of three hundred dollars ($300.00)
       will be chargeable to Preferred Beneficiary.

4.3    Right to Use Following Release. Following a release as provide in Section
       4, Preferred Beneficiary shall have the non-exclusive right to use the
       released material and technology solely for the purpose of continuing the
       benefits afforded to the Preferred Beneficiary by the Master Services
       Agreement or other contract(s) between Depositor and Preferred
       Beneficiary. Additionally, Preferred Beneficiary shall be required to
       maintain the confidentiality of the released material and technology, in
       accordance with the terms and conditions of the Master Services
       Agreement.

                                       5
<PAGE>

ARTICLE 5 - TERM AND TERMINATION

5.1    Term of Agreement. The initial term of this Agreement is for a period of
       one year. Thereafter, this Agreement shall automatically renew from year
       to year unless sooner terminated upon: (a) termination of the Master
       Services Agreement in accordance with Article VII thereof (in which case,
       this Agreement shall terminate upon such date of termination of the
       Master Services Agreement) upon joint instructions to DSI; or (b)
       Depositor and Preferred Beneficiary's joint written instruction to DSI
       that the Agreement is terminated; or (c) termination of this Agreement by
       DSI for nonpayment in accordance with Section 5.2. If the Deposit
       Materials are subject to another escrow agreement with DSI, DSI reserves
       the right, after the initial one year term, to adjust the anniversary
       date of this Agreement to match the then prevailing anniversary date of
       such other escrow arrangements.

5.2    Termination for Nonpayment. In the event of the nonpayment of fees owed
       to DSI, DSI shall provide written notice of delinquency to all parties to
       this Agreement. Any party to this Agreement shall have the right to make
       the payment to DSI to cure the default. If the past due payment is not
       received in full by DSI within thirty days of the date of such notice,
       then DSI shall have the right to terminate this Agreement at any time
       thereafter by sending written notice of termination to all parties. DSI
       shall have no obligation to take any action under this Agreement so long
       as any payment due to DSI remains unpaid.

5.3    Disposition of Deposit Materials Upon Termination. Upon termination of
       this Agreement, DSI shall destroy, return, or otherwise deliver the
       Deposit Materials in accordance with Depositor's instructions. If there
       are no instructions, DSI may, at its sole discretion, destroy the Deposit
       Materials or return them to Depositor. DSI shall have no obligation to
       return or destroy the Deposit Materials if the Deposit Materials are
       subject to another escrow agreement with DSI.

5.4    Survival of Terms Following Termination.  Upon termination of this
       Agreement, the following provisions of this Agreement shall survive:

              Depositor's Representations (Section 1.5);
              The obligations of confidentiality with respect to the
                Deposit Materials;
              The rights granted in the sections entitled Right to Transfer Upon
                Release (Section 3.3) and Right to Use Following Release
                (Section 4.3), if a release of the Deposit Materials has
                occurred prior to termination;
              The obligation of Preferred Beneficiary to pay DSI any reasonable
                fees and expenses due and related to this Agreement;
              The provisions of Article 7; and
              Any provisions in this Agreement which specifically state they
                survive the termination or expiration of this Agreement.

ARTICLE 5 - DSI'S FEES

6.1    Fee Schedule. DSI is entitled to be paid its standard fees and expenses,
       if reasonable, applicable to the services provided. If DSI's standard
       fees and expenses are determined to

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<PAGE>

       be unreasonable, then DSI shall be entitled to be paid fees and expenses
       mutually agreed upon by the parties. The parties agree that the Preferred
       Beneficiary shall be solely responsible for any and all reasonable
       DSI fees (not including any amount paid to DSI pursuant to Section 7.2
       below) incurred with respect to this Agreement. DSI shall notify the
       Preferred Beneficiary at least 60 days prior to an increase in fees.
       For any service not listed on DSI's standard fee schedule, DSI will
       provide a quote prior to rendering the service, if requested.

6.2    Payment Terms. DSI shall not be required to perform any service unless
       the payment for such service and any outstanding balances owed to DSI are
       paid in full. Fees are due upon receipt of a signed contract or receipt
       of the Deposit Materials whichever is earliest. If invoiced fees are not
       paid, DSI may terminate this Agreement in accordance with Section 5.2.

ARTICLE 7 - LIABILITY AND DISPUTES

7.1    Right to Rely on Instructions. DSI may act in reliance on the
       instructions of a party only if such instructions are from a Designated
       Representative of a party. The Designated Representatives of Depositor
       are the Senior Data Center Manager and the Chief Technical Officer. The
       Designated Representatives of Preferred Beneficiary are the Chairman and
       CEO, the Executive Vice President and/or the Vice President and General
       Counsel. A party may change their Designated Representative or any of
       them by delivering to DSI and the other party hereto a writing signed by
       one the then Designated Representatives. No other agent or employee,
       other that a Designated Representative, shall have the power to bind a
       party hereto.

7.2    Indemnification.  DSI shall be responsible to perform its obligations
       under this Agreement and to act in a reasonable and prudent manner with
       regard to this escrow arrangement.  Provided DSI has acted in the
       manner stated in the preceding sentence, Depositor and Preferred
       Beneficiary each agree to indemnify, defend and hold harmless DSI from
       any and all claims, actions, damages, arbitration fees and expenses,
       costs, attorney's fees and other liabilities ("Liabilities") incurred by
       DSI relating in any way to this escrow arrangement unless such
       Liabilities were caused solely by the negligence or willful misconduct of
       DSI.

7.3    Dispute Resolution. Any dispute relating solely to whether a Release
       Event has occurred shall be resolved by Expedited Arbitration under the
       Commercial Rules of the American Arbitration Association. Three
       Arbitrators shall be selected. The Depositor and Preferred Beneficiary
       shall each select one arbitrator and the two chosen arbitrators shall
       select the third arbitrator, or failing agreement on the selection of the
       third arbitrator, The American Arbitration Association shall select the
       third arbitrator. However, if DSI is a party to the arbitration, DSI
       shall select the third arbitrator. For purposes of this section 7.3,
       "Expedited Arbitration" shall mean the parties agree to use commercially
       reasonable efforts to conduct arbitration within fifteen (15) days of
       selection of arbitrators pursuant to this section. Unless otherwise
       agreed by Depositor and Preferred Beneficiary, arbitration will take
       place Fort Worth, Texas, U.S.A. Any court having jurisdiction over the
       matter may enter judgment on the award of the arbitrator(s). Service of a
       petition to conform the

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<PAGE>

       arbitration award may be made by First Class mail or by commercial
       express mail, to the attorney for the party or, if unrepresented, to
       the party at the last known business address.

7.4    Controlling Law.  This Agreement is to be governed and construed in
       accordance with the laws of the State of Texas, without regard to its
       conflict of law provisions.

7.5    Notice of Requested Order. If any party intends to obtain an order from
       the arbitrator or any court of competent jurisdiction which may direct
       DSI to take, or refrain from taking any action, that party shall:

        a.     Give DSI at least two business days' prior notice of the hearing;

        b.     Ensure that DSI not be required to deliver the original (as
               opposed to a copy) of the Deposit Materials if DSI may need to
               retain the original in its possession to fulfill any of its other
               duties.

ARTICLE 8 - GENERAL PROVISIONS

8.1    Entire Agreement. This Agreement, which includes the Exhibits described
       herein, embodies the entire understanding among the parties with respect
       to its subject matter and supersedes all previous communications,
       representations or understandings, either oral or written. DSI is not a
       party to the Master Services Agreement between Depositor and Preferred
       Beneficiary and has no knowledge of any of the terms or provisions of any
       such Master Services Agreement. DSI's only obligations to Depositor or
       Preferred Beneficiary are as set forth in this Agreement. No amendment or
       modification of this Agreement shall be valid or binding unless signed by
       all the parties hereto, except that Exhibit A need not be signed by DSI,
       Exhibit B need not be signed by Preferred Beneficiary and Exhibit C need
       not by signed.

8.2    Notices. All notices, invoices, payments, deposits and other documents
       and communications shall be given to the parties at the addresses
       specified in the attached Exhibit C. It shall be the responsibility of
       the parties to notify each other as provided in this Section in the event
       of a change of address. The parties shall have the right to rely on the
       last known address of the other parties. Unless otherwise provided in
       this Agreement, all documents and communications may be delivered by
       First Class mail.

8.3    Severability. In the event any provision of this Agreement is found to be
       invalid, voidable or unenforceable, the parties agree that unless it
       materially affects the entire intent and purpose of this Agreement, such
       invalidity, voidability or unenforceability shall affect neither the
       validity of this Agreement nor the remaining provisions herein, and the
       provisions in question shall be deemed to be replaced with a valid and
       enforceable provision most closely reflecting the intent and purpose of
       the original provision.

8.4    Successors. This Agreement shall be binding upon and shall inure to the
       benefit of the successors and assigns of the parties. However, DSI shall
       have no obligation in performing this Agreement to recognize any
       successor or assign of Depositor or Preferred Beneficiary unless DSI
       receives clear, authoritative and conclusive written evidence of the
       change of parties.

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<PAGE>

8.3    Regulations. Depositor is responsible for and warrant compliance with all
       applicable laws, rules, and regulations, including but not limited to
       customs laws, import, export, and re-export laws and government
       regulations of any country from or to which the Deposit Materials may be
       delivered in accordance with the provisions of this Agreement.

8.6    Counterparts. This Agreement may be executed in multiple counterparts,
       each of which shall be deemed to be an original, and all such
       counterparts shall constitute but one instrument.

ARTICLE 9 - DEFINITIONS

       The following terms have the indicated meaning whenever they are used in
       this Agreement and/or the Exhibits made a part hereof.

9.1    Computer Program shall mean a set of statements or instructions, to be
       used directly or indirectly in a computer in order to bring about a
       certain result. A computer program may comprise any or all of source code
       and excutable code.

9.2    Design documentation shall mean documentation describing the data flows,
       data structures, and control logic of a computer program.

9.3    Documentation shall mean textual and/or graphic material, perceivable
       directly by humans and/or with the aid of a devise or machine, relating
       to a computer program.

9.4    Executable code shall mean a series of one or more instructions
       executable after suitable processing by a computer or other programmable
       machine, without compilation or assembly.

9.5    Software shall include computer programs and associated documentation.

9.6    Source code shall mean a series of instructions or statements in an
       English like high-level computer language such as C++, VISUAL BASIC,
       JAVA, C, FORTRAN, PASCAL OR LISP, or in a relatively low-level language
       such as the assembly language for a particular processor. Source code is
       normally readily readable by humans trained in the particular computer
       language in question. It is normally transformed by an interpreter or
       compiler into machine-readable executable code for actual use on a
       computer.

<TABLE>
<CAPTION>
       <S>                                                  <C>
       INSpire Insurance Solutions, Inc.                    Millers American Group, Inc.
       ---------------------------------                    ----------------------------
       (Depositor)                                          (Preferred Beneficiary)

       By:  /s/ Gordon L. Gaar                              By:  /s/ James G. Illegible
           ----------------------------------------             ------------------------------------------

       Name:  Gordon L. Gaar                                Name:  James G. Illegible
             --------------------------------------               ----------------------------------------
                         (Printed)                                          (Printed)

       Title: CTO                                           Title: Chairman & CEO
             --------------------------------------               ----------------------------------------

       Date:  September 28, 2001                            Date:   September 28, 2001
             --------------------------------------                ---------------------------------------

                                       9
<PAGE>

       DSI Technology Escrow Services, Inc.

       By:  /s/ Lisa H. Gillian
           ----------------------------------------

       Name:  Lisa H. Gillian
             --------------------------------------
                         (Printed)
       Title:  Contract Administrator
              -------------------------------------
       Date:   November 7, 2001
              -------------------------------------
</TABLE>

                                       10

<PAGE>
<TABLE>
<CAPTION>
                                                                                                       EXHIBIT A

                            MATERIALS TO BE DEPOSITED

Account Number:        0914362-00002
                  ----------------------------------------------------------------------------------------
Depositor  represents  to preferred  Beneficiary  that  Deposit  materials  delivered  to DSI shall  consist of the
following:

<S>                   <C>                                                            <C>
--------------------- -------------------------------------------------------------- --------------------------------
       MEDIA:                                 APPLICATION:                           CONTENTS:
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
CD - x of y:          EmPower                                                        README.TXT
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                                                                                     Documentation
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                      WPC - SPL                                                      README.TXT
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                                                                                     Documentation
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                      WPC - MGA                                                      README.TXT
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                                                                                     Documentation
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                      NEON                                                           README.TXT
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                                                                                     Documentation
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                      PSP                                                            README.TXT
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                                                                                     Documentation
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                      Visual Rate (VR)                                               README.TXT
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                                                                                     Documentation
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                      Policy & Claims Administration (PCA)                           README.TXT
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                                                                                     Documentation
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                      WINS (Reinsurance & Peril)                                     README.TXT
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                                                                                     Documentation
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                      Service Manager                                                README.TXT
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                                                                                     Documentation
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
DLT - x of y:         Empower                                                        Source
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                                                                                     Database Objects
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                      WPC - SPC                                                      Source
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                                                                                     Database Objects
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                      WPC - MGA                                                      Source
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                                                                                     Database Objects
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                      NEON                                                           Source
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                                                                                     Database Objects
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                      PSP                                                            Source
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                                                                                     Database Objects
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                      Visual Rate (VR)                                               Source
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                                                                                     Database Objects
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
3590 - x of y:        WINS (Reinsurance & Peril)                                     Source
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                                                                                     Database Objects
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                      Policy & Claims Administration (PCA)                           Source
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
                                                                                     Database Objects
--------------------- -------------------------------------------------------------- --------------------------------
--------------------- -------------------------------------------------------------- --------------------------------
Paper                 Millers American Group - Escrow Document A                     This  document   describes  the
                                                                                     content of the escrow  deposits
                                                                                     and   lists   any   3rd   party
                                                                                     software  and/or  hardware that
                                                                                     may be  needed  to  acquire  by
                                                                                     the beneficiary.
</TABLE>
                                                                      11
<PAGE>

<PAGE>

                                                                       EXHIBIT A

                            MATERIALS TO BE DEPOSITED

Depositor:   INSpire Insurance Solutions

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

Name:
         --------------------------------------------

Title:
         --------------------------------------------

Date:
         --------------------------------------------

                                       12
<PAGE>
<TABLE>
<CAPTION>
                                                                                                          EXHIBIT B

                       DESCRIPTION OF DEPOSITED MATERIALS

<S>                                   <C>
------------------------------------- --------------------------------------------------------------------------------
Depositor Company Name:               INSPIRE INSURANCE SOLUTIONS
------------------------------------- --------------------------------------------------------------------------------
------------------------------------- --------------------------------------------------------------------------------
Account Number:                       0914362-00002
------------------------------------- --------------------------------------------------------------------------------
------------------------------------- ------------------------------------ ----------------------- -------------------
Product Name:                         THE MILLERS AMERICAN GROUP           Version:                2001.QX
------------------------------------- ------------------------------------ ----------------------- -------------------
----------------------------------------------------------------------------------------------------------------------
(Product Name will appear as the Exhibit B Name on Account History report)
</TABLE>
<TABLE>
<CAPTION>
----------------------------------------------------------------------------------------------------------------------
<S>                       <C>                      <C>
------------------------- ------------------------ -------------------------------------------------------------------
        QUANTITY                MEDIA TYPE                      LABEL DESCRIPTION OF EACH SEPARATE ITEM
------------------------- ------------------------ -------------------------------------------------------------------
------------------------- ------------------------ -------------------------------------------------------------------
                          CD-ROM

------------------------- ------------------------ -------------------------------------------------------------------
------------------------- ------------------------ -------------------------------------------------------------------
                          DLT III - Cartridge

------------------------- ------------------------ -------------------------------------------------------------------
------------------------- ------------------------ -------------------------------------------------------------------
                          3590 Cartridges

------------------------- ------------------------ -------------------------------------------------------------------
------------------------- ------------------------ -------------------------------------------------------------------
                          Documentation

------------------------- ------------------------ -------------------------------------------------------------------
------------------------- ------------------------ -------------------------------------------------------------------
                          Other

------------------------- ------------------------ -------------------------------------------------------------------
</TABLE>

PRODUCT DESCRIPTION:

Environment:                                         PRODUCTION
                  --------------------------------------------------------------

DEPOSIT MATERIAL INFORMATION:

Is the media or are any of the files encrypted? No If yes, please include any
passwords and the decryption tools.

Encryption tool name                                                    Version
                     --------------------------------------------------
Hardware required
Software required
Other required information
                           ----------------------------------------------------

<TABLE>
<CAPTION>
<S>                                                                               <C>    <C>    <C>    <C>    <C>    <C>
I certify for DEPOSITOR that the above-described                                  DSI has inspected and accepted
the above Deposit Materials have been transmitted to DSI:                         materials (any exceptions are noted above):

Signature:                                                         Signature:
            -----------------------------                                      ------------------------------
Print Name:
            -----------------------------                          Print Name:
                                                                               ------------------------------
Date:       -----------------------------                          Date:
                                                                               ------------------------------
                                                                   Exhibit B#:

                                                                               ------------------------------
</TABLE>
Sales Representative:
Debbie Cherniak                                      972.373.8844

Send Materials to:
DSI, 9265 Sky Park Ct., Suite 202, San Diego, CA  92123       (858) 499-1600

                                       13
<PAGE>
                                                                       EXHIBIT C

                               DESIGNATED CONTACT

Account Number:            0914362-00002
                  --------------------------------------------------------------

<TABLE>
<CAPTION>
<S>                                                          <C>
Notices, deposit material returns and
Communications to Depositor                                  Invoices to Depositor should be
Should be addressed to:                                      addressed to:

Company Name:  INSpire Insurance Solutions                   Director-FTW Technical Services
Address:       300 Burnett Street                            300 Burnett Street
               Fort Worth, Texas  76102                      Fort Worth, Texas  76102

Designated Contact:  Keith Bell                              Contact:  Alan Schmitz
Telephone:  817.348.3234
Facsimile:  817.348.3764                                     P.O.#, if required:  N/A
E-mail:  Kbell@INSPR.com                                     E-mail:  Aschmitz@inspr.com

Verification Contact:
Keith Bell

Notices and communications to                                Invoices to preferred Beneficiary
Preferred Beneficiary should be addressed to:                should be addressed to:

Company Name:  The Millers American Group                    N/A
Address:       777 Main Street, Suite 1000
               Fort Worth, Texas  76102

Designated Contact:  Rob Wilson                              Contact:

Telephone:  817.348.1808
Facsimile:  817.348.1820
E-mail:  Rob.Wilson@milgrp.com

Requests from Depositor or Preferred Beneficiary to change the designated
contact should be given in writing by the designated contact or an authorized
employee of Depositor or Preferred Beneficiary.

Contracts, Deposit Materials and notices to                  Invoice inquiries and fee remittances
DSI should be addressed to:                                  to DSI should be addressed to:

DSI Technology Escrow Services, Inc.                         DSI Technology Escrow Services, Inc.
Contract Administration                                      P.O. Box 45156
9265 Sky Park Court, Suite 202                               San Francisco, CA  94145-0156
San Diego, CA  92123
Telephone:  (858) 499-1600                                   (858) 499-1636
Facsimile:  (858) 694-1919                                   (858) 499-1637
E-mail:  ca@dsiescrow.com

Date:
</TABLE>

                                       14
<PAGE>

                  MILLERS AMERICAN GROUP - PREFERRED AGREEMENT

The Preferred Agreement caters to those customers who demand more sophisticated
escrow arrangements. It is a three-party contract that involves constant
administration by DSI and frequent correspondence between DSI, the depositor and
the beneficiary. The depositor and beneficiary will receive signed confirmations
from DSI that every deposit has been inspected; an account history report every
six months to notify them of the status of the escrow; and ongoing monitoring
services to ensure compliance of contract terms.

PURPOSE
DSI's Preferred Agreement is generally used when:
o Both parties agree that a high level of escrow protection is needed.
o Thebeneficiary wants to sign the agreement.
o The beneficiary wants the option to request a release of deposit materials
  directly from DSI.
o The beneficiary wants to negotiate unique releaseconditions, such as loss
  of support.

FEATURES
Preferred customers benefit from these unique features:
o Tailored release conditions.
o Modification of terms for unique requirements.
o Written notification detailing the contents of the initial deposit and each
  update.
o Semi-annual account histories listing all deposit activity.
o DSI direct billing to beneficiary.
o Technical verification options.
o Audit rights to both parties.
o Audit trail of deposit created through inspection, and date stamping of all
  deposit materials.
o Deposit inspection with signed receipt for both the depositor and beneficiary.
o Grant of use rights and deposit content definition.

Customers who want DSI's premier escrow service should choose the Comprehensive
Preferred Agreement that provides these additional features:

o Basic verification of deposit materials. This includes documentation of the
  hardware and software environments needed to read the computer media,
  maintain the source code, and compile the source code.
o Continual deposit maintenance in which DSI notifies the depositor semi-
  annually to make updates. DSI then notifies the beneficiary of any
  update activity.
o Unlimited deposit updates and/or replacements, plus one additional storage
  unit.

                                       15
<PAGE>
<TABLE>
<CAPTION>
                                                                                                          EXHIBIT A
                            MATERIALS TO BE DEPOSITED

<S>                 <C>                                                             <C>
Account Number:     0914362-00002
                    -------------------------------------------------------------------------------------------------

Depositor represents to Preferred Beneficiary that Deposit Materials delivered
to DSI shall consist of the following:

------------------- --------------------------------------------------------------- ----------------------------------
      MEDIA:        APPLICATION:                                                    CONTENTS:
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
  3590 - X of Y:    EmPower                                                         README.TXT
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Documentation
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Database Objects
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Source
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                    Underwriter Expert System (UES)                                 README.TXT
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Documentation
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Database Objects
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Source
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                    Visual Rate (VR)                                                README.TXT
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Documentation
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Database Objects
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Source
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                    Policy & Claims Administration (4 - PCA)                        README.TXT
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Documentation
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Database Objects
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Source
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                    Ordering and Receiving System (OARS)                                Not applicable to client
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                        Not applicable to client
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                        Not applicable to client
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                        Not applicable to client
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                    NEON                                                            README.TXT
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Documentation
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Database Objects
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Source
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                    WINS                                                            README.TXT
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Documentation
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Database Objects
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Source - not applicable to client
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                    Service Manager                                                 README.TXT
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Documentation
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                    E-INSpire                                                           Not applicable to client
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                        Not applicable to client
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                        Not applicable to client
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                        Not applicable to client
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                    WPC (SPL & MGA)                                                 README.TXT
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Documentation
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Database Objects
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Source
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                    Management and Reporting System (MARS)                              Not applicable to client
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                        Not applicable to client
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                        Not applicable to client
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                        Not applicable to client
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                    Policy Set Production                                           README.TXT
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Documentation
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Database Objects
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
                                                                                    Source
------------------- --------------------------------------------------------------- ----------------------------------
------------------- --------------------------------------------------------------- ----------------------------------
      Paper         Millers - Escrow Document A                                     Document describes the contents
                                                                                    of the escrow deposits and lists
                                                                                    any 3rd party software and/or
                                                                                    hardware needed to process the
                                                                                    system(s) by the beneficiary.
------------------- --------------------------------------------------------------- ----------------------------------
</TABLE>

                                       16

<PAGE>
<TABLE>
<CAPTION>

                                                                                                          EXHIBIT A
                            MATERIALS TO BE DEPOSITED

Account Number:            0914362-00002
                  -------------------------------------------------------------------------------------------------

Depositor represents to Preferred Beneficiary that Deposit Materials delivered
to DSI shall consist of the following:

<S>               <C>                                         <C>               <C>
                                                              Preferred
Depositor:        INSPIRE INSURANCE SOLUTIONS                 Beneficiary:      MILLERS AMERICAN GROUP
                  -----------------------------------                           -----------------------------------

By:               Gordon Gaar                                 By:               Cecil Wise
                  -----------------------------------                           -----------------------------------

Name:                                                         Name:
                  -----------------------------------                           -----------------------------------

Title:            Vice President & CTO                        Title:            Vice President, Litigation & General
                  -----------------------------------
                                                                                Counsel
                                                                                -----------------------------------

Date:                                                         Date:
                  -----------------------------------                           -----------------------------------
</TABLE>

                                       17
<PAGE>
<TABLE>
<CAPTION>
                                                                                                              EXHIBIT B
                                           DESCRIPTION OF DEPOSITED MATERIALS

------------------------------------- --------------------------------------------------------------------------------
<S>                                   <C>    <C>    <C>    <C>    <C>    <C>
Depositor Company Name:               INSPIRE INSURANCE SOLUTIONS
------------------------------------- --------------------------------------------------------------------------------
------------------------------------- --------------------------------------------------------------------------------
Account Number:                       0914362-00002
------------------------------------- --------------------------------------------------------------------------------
------------------------------------- ------------------------------------ ----------------------- -------------------
Product Name:                         MILLERS - PRODUCTION SITE            Version:                2002.QX
------------------------------------- ------------------------------------ ----------------------- -------------------
----------------------------------------------------------------------------------------------------------------------
(Product Name will appear as the Exhibit B Name on Account History report)
----------------------------------------------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>
------------------------- ------------------------ -------------------------------------------------------------------
        QUANTITY                MEDIA TYPE                      LABEL DESCRIPTION OF EACH SEPARATE ITEM
------------------------- ------------------------ -------------------------------------------------------------------
<S>                       <C>                      <C>
------------------------- ------------------------ -------------------------------------------------------------------
           1              3590 Cartridge           Millers American Group - Client Server Applications
------------------------- ------------------------ -------------------------------------------------------------------
------------------------- ------------------------ -------------------------------------------------------------------
           1              3590 Cartridge           Millers American Group - AS400 Applications
------------------------- ------------------------ -------------------------------------------------------------------
------------------------- ------------------------ -------------------------------------------------------------------
           1              Paper Documentation      Millers American Group - Escrow Document A
------------------------- ------------------------ -------------------------------------------------------------------
</TABLE>

PRODUCT DESCRIPTION:

Environment:                        PRODUCTION
                  --------------------------------------------------------------

<TABLE>
<CAPTION>
DEPOSIT MATERIAL INFORMATION:

<S>                                                                <C>            <C>               <C>
------------------------------------------------------------------ -------------- ----------------- ------------------
Is the media or are any of the files encrypted?                       NO/YES
------------------------------------------------------------------ -------------- ----------------- ------------------
------------------------------------------------------------------ -------------- ----------------- ------------------
If Yes, please include any passwords and the decryption tools.
------------------------------------------------------------------ -------------- ----------------- ------------------
------------------------------------------------------------------ -------------- ----------------- ------------------
Encryption tool name:                                                             Version:
------------------------------------------------------------------ -------------- ----------------- ------------------
------------------------------------------------------------------ -------------- ----------------- ------------------
Hardware required:
------------------------------------------------------------------ -------------- ----------------- ------------------
------------------------------------------------------------------ -------------- ----------------- ------------------
Software required:
------------------------------------------------------------------ -------------- ----------------- ------------------
------------------------------------------------------------------ -------------- ----------------- ------------------
Other required information:
------------------------------------------------------------------ -------------- ----------------- ------------------
</TABLE>
<TABLE>
<CAPTION>
<S>                           <C>                            <C>                      <C>
I certify for DEPOSITOR that the above-described             DSI has inspected and accepted
the above Deposit Materials have been transmitted to DSI:    materials (any
exceptions are noted above):

----------------------------- ------------------------------ ------------------------ --------------------------------
Signature:                                                   Signature:

----------------------------- ------------------------------ ------------------------ --------------------------------
----------------------------- ------------------------------ ------------------------ --------------------------------
Print name:                           Alan Schmitz           Print Name:

----------------------------- ------------------------------ ------------------------ --------------------------------
----------------------------- ------------------------------ ------------------------ --------------------------------
Date:                                                        Date Accepted:

                                                             ------------------------ --------------------------------
----------------------------- ------------------------------ ------------------------ --------------------------------
                                                             Exhibit B#:

                                                             ------------------------ --------------------------------
</TABLE>

                                       18
<PAGE>
<TABLE>
<CAPTION>
                                                                                                               EXHIBIT C
                                                   DESIGNATED CONTACT

Account Number:                     0914362-00002
                  -------------------------------------------------------------------------------------------------
<S>                                                          <C>
------------------------------------------------------------ ------------------------------------------------------------
DEPOSITOR'S INFORMATION:                                     NOTICES, DEPOSIT MATERIAL RETURNS AND COMMUNICATIONS TO
                                                             DEPOSITOR SHOULD BE ADDRESSED TO:
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
Company Name:                                                INSpire Insurance Solutions
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
Address:                                                     300 Burnett Street
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                                                             Fort Worth, TX  76102
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------

------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  Contact Name(s):                           Alan Schmitz
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  Contact Phone #:                           817.348.3248
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  Contact Fax #:                             817.348.3764
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  Contact E-Mail Address:                    Aschmitz@nspr.com
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                                                             INVOICES TO DEPOSITOR SHOULD BE ADDRESSED TO:
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
Company Name:                                                                               N/A
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
Address:                                                                                    N/A
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------

------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  Contact Name:                                                             N/A
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  Contact Phone #:                                                          N/A
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  P.O. # (if required): N/A
------------------------------------------------------------ ------------------------------------------------------------

------------------------------------------------------------ ------------------------------------------------------------
BENEFICIARY'S INFORMATION:                                   NOTICES AND COMMUNICATIONS TO PREFERRED BENEFICIARY SHOULD
                                                             BE ADDRESSED TO:
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
Company Name:                                                Millers American Group
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
Attn:                                                        Martha Bell
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
Address:                                                     777 N. Main Suite 1000
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                                                             Ft. Worth, TX 76102
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  Contact Name(s):                           Martha Bell
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  Contact Phone #:                           817.348.1735
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  Contact Fax #:                             817.348.1730
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  Contact E-Mail Address:                    Martha.Bell@MILGRP.com
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                                                             INVOICES TO BENEFICIARY SHOULD BE ADDRESSED TO:
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
Company Name:                                                Millers American Group
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
Address:                                                     777 N. Main Suite 1000
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                                                             Ft. Worth, TX 76102
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  Contact Name:                              Martha Bell
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  Contact Phone #:                           817.348.1735
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  P.O. # (if required):
------------------------------------------------------------ ------------------------------------------------------------
</TABLE>

                                       19

<PAGE>
                                                                       EXHIBIT C
                               DESIGNATED CONTACT

Account Number:                     0914362-00002
                  --------------------------------------------------------------

Requests from Depositor or Preferred Beneficiary to change the designated
contact should be given in writing by the designated contact or an authorized
employee of Depositor or Preferred Beneficiary.

<TABLE>
<CAPTION>
------------------------------------------------------------ ------------------------------------------------------------
<S>                                                          <C>
DSI'S INFORMATION:                                           CONTRACTS, DEPOSIT MATERIALS AND NOTICES SHOULD BE
                                                             ADDRESSED TO:
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
Company Name:                                                DSI Technology Escrow Services, Inc.
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
Attn:                                                        Contract Administration
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
Address:                                                     9265 Sky Park Court, Suite 202
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                                                             San Diego, CA  92123
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  Phone #:                                   858.499.1600
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  Fax #:                                     858.694.1919
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  Contact E-Mail Address:                    ca@dsiescrow.com
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------

------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                                                             INVOICES INQUIRIES
AND FEE REMITTANCES SHOULD BE ADDRESSED TO:
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
Company Name:                                                DSI Technology Escrow Services, Inc.
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
Attn:                                                        Account Receivables
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
Address:                                                     PO Box 45156
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                                                             San Francisco, CA  94145-0156
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  Phone #:                                   858.499.1636
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  Contact Phone #:                           858.499.1937
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
Sales Representative:                                        Debbie Cherniak
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  Representative's Phone #:                  972.373.8844
------------------------------------------------------------ ------------------------------------------------------------
------------------------------------------------------------ ------------------------------------------------------------
                  Representative's E-Mail:                   Dcherniak@dsiescrow.com
------------------------------------------------------------ ------------------------------------------------------------
</TABLE>

                                       20Exhibit 10.3

                FIRST AMENDED AND RESTATED SERVICE ADDENDUM 1.1.1

                     MILLERS IN-HOUSE POLICY PROCESSING - IT

         THIS FIRST AMENDED AND RESTATED  SERVICE  ADDENDUM 1.1.1 (THIS "AMENDED
ADDENDUM"),  AS OF THE EFFECTIVE DATE CITED BELOW, HEREBY AMENDS, SUPERCEDES AND
REPLACES IN ITS  ENTIRETY AND FOR ALL PURPOSES  THAT  CERTAIN  SERVICE  ADDENDUM
1.1.1 DATED OCTOBER 1, 1997, AMONG INSPIRE,  THE MILLERS INSURANCE COMPANY,  AND
THE MILLERS CASUALTY  INSURANCE COMPANY (THE "ORIGINAL  PARTIES").  THIS AMENDED
ADDENDUM IS SUBJECT TO THE TERMS AND CONDITIONS SET FORTH IN THAT CERTAIN MASTER
SERVICES  AGREEMENT  DATED  DECEMBER  30,  1999  AND ALL  SUBSEQUENT  AMENDMENTS
THERETO,  AMONG THE  ORIGINAL  PARTIES AND  MILLERS  GENERAL  AGENCY  INC.  (THE
"AGREEMENT").  A PARTY'S EXECUTION OF THIS AMENDED ADDENDUM WILL BE DEEMED TO BE
SUCH PARTY'S (1)  ACKNOWLEDGEMENT AND ACCEPTANCE OF THE TERMS AND CONDITIONS SET
FORTH IN THE AGREEMENT AS AFFECTED  HEREBY AND (2) EXECUTION AND DELIVERY OF THE
AGREEMENT.

1.       Effective Date:  November 1, 2001.

2.       Parties to this Amended Addendum:

         o        INSpire Insurance Solutions, Inc. ("INSpire")
         o        The Millers Insurance Company,  The Millers Casualty Insurance
                  Company,  and  Millers  General  Agency  Inc.   (collectively,
                  "Millers")

3.       Amended Addendum Term:  Effective November 1, 2002, Millers assumed the
         policy  processing  functions  for the SPL book of business  previously
         performed by INSpire. The functions assumed are collectively identified
         as  Premium   Accounting,   Call  Center,   Data  Entry,  Mail,  Policy
         Distribution and Underwriting.

         Effective November 1, 2001 and continuing until March 31, 2003, INSpire
         shall continue to provide the services set forth hereinafter.  However,
         if  Millers  deems  it  necessary,  the term of this  agreement  may be
         extended to a date mutually agreed upon by the parties.

4.       Amended Addendum Services; Lines of Business; Location:

         a.       Amended  Addendum  Services:  During the term of this  Amended
                  Addendum,   INSpire  will   provide  the  Policy   Processing,
                  Operational  Support and Production Support services set forth
                  in this Section 4.a (the "Amended Addendum  Services") for the
                  lines of business specified in Section 4.b below written by or
                  through Millers [hereinafter Millers Specialty Lines ("SPL")].

                                       1
<PAGE>

                  INSpire  will,  in  accordance  with  guidance  and  direction
                  provided by Millers, provide the Amended Addendum Services and
                  general  management of such Amended Addendum  Services for the
                  subject business as follows:

                  1)       Run daily and month-end cycles.  This includes but is
                           not limited to the  production and storage of images,
                           as well as  having a  programmer  on call in case the
                           cycle abends prior to completion.

                  2)       Printing  of  all  generated  daily  output.   It  is
                           anticipated that since this book of business is being
                           non-renewed,   the  number  of  printed   pages  will
                           decrease  with the passage of time. By way of partial
                           example  only,  the  following  are  estimates of the
                           anticipated rate of decrease in the number of printed
                           pages  from time to time  throughout  the term of the
                           contract (November 2001 through March 2003).

                           Month                              Number of Pages
                           -----                              ---------------
                           November 2001                      3434
                           January 2002                       3108
                           March 2002                         2900
                           June 2002                          1997
                           September 2002                      525
                           December 2002                        33
                           March 2003                            0

                  3)       Maintain  system.   Maintenance  of  system  includes
                           having a programmer n call for each cycle, as well as
                           availability  of programming  resources for necessary
                           remedial  action  should any system  problems  occur,
                           including   but   not   limited   to   "bug   fixes".
                           Specifically,  the  responsibility of the "Production
                           Support"  team  includes  maintaining  the INSide Out
                           ("I-O")   application    programs   for   fixes   and
                           enhancements which include but are not limited to the
                           following:

                           o   Policy Rating
                           o   Policy Printing (PSP)
                           o   Billing (including printing of all related
                               billing forms)
                           o   Claims
                           o   1099 Reporting
                           o   Financial  Reporting  System  (Peril Code System
                               including  Direct,  Assumed, Ceded)
                           o   Interfaces  to Oracle  Financials
                           o   Reports
                           o   NIA  Cover-All  to I-O Interface
                           o   Security   Issues

                                       2
<PAGE>

                           o   Stat   Reporting   Assistance
                           o   With  Data Center/Operations Support, resolve
                               Production Cycle Problems.

                   4)      Preparation  of 1099's  including  the  creation of a
                           monthly data file, as well as the actual  printing of
                           the  1099's  during  the  month of  January,  and the
                           electronic filing to the IRS by mid-March.

                  5)       Availability of Account  Representative and/or Client
                           Account  Representative  to facilitate any day to day
                           operational issues that may occur.

                  6)       Maintain  sufficient  qualified  personnel  and other
                           resources  necessary  to perform all the above listed
                           services.

         b.       Authorized Lines of Business:
                  ----------------------------
                  o  Automobile in Idaho. New Mexico, and Texas;
                  o  Homeowners in Idaho, New Mexico, and Texas;
                  o  Non-Standard Auto in New Mexico;
                  o  Umbrella in Idaho, New Mexico, and Texas;
                  o  Bonds in Idaho, New Mexico, and Texas; and
                  o  Business Owner Policies for Network Insurance Agents in
                     California.

         c.       Location of  Provision  of  Addendum  Services:  INSpire  will
                  provide the  Addendum  Services at an INSpire  service  center
                  designated by INSpire.

5.       PRICING:

Pricing for the  services  provided by INSpire to Millers set forth in section 4
above, are fixed as follows:

                           Month                     Price

                           November 2001             $7,633 (retroactive)
                           December 2001             $7,633 (retroactive)
                           January 2002              $7,619
                           February 2002             $7,203
                           March 2002                $6,815
                           April 2002                $6,453
                           May 2002                  $6,104
                           June 2002                 $5,771
                           July 2002                 $5,456
                           August 2002               $5,162
                           September 2002            $4,891
                           October 2002              $4,642
                           November 2002             $4,415

                                       3
<PAGE>

                           December 2002             $4,205
                           January 2003              $2,500
                           February 2003             $2,500
                           March                     $2,500

In the event that INSpire's  services  under this Amended  Addendum are required
beyond  March 2003,  subsequent  pricing  will  continue  at $2500.00  per month
(assuming  no  material  changes  exist) or at a price to be agreed upon by both
parties.

Special Fees:  When  requested and  authorized  by Customer,  processing  system
modifications  will  be  charged  to  Customer  on a time  and  materials  basis
utilizing  the  appropriate  mix of service  personnel  required  to perform the
modifications. Hourly rates for such personnel are $130.00 per hour.

         IN WITNESS WHEREOF, each party to this Amended Addendum has caused this
Amendment to be executed and  delivered by a duly  authorized  officer as of the
Effective Date.

INSpire:                   INSpire Insurance Solutions, Inc.

                           By: /s/ Richard Marxen
                              -----------------------------------------------
                              Richard "Dic" Marxen, Chief Executive Officer

Customer:                  The Millers Insurance Company

                           By: /s/ James G. Drawert
                              -----------------------------------------------
                           Name: James G. Drawert
                                ---------------------------------------------
                           Title: Chairman & CEO
                                 --------------------------------------------

                           The Millers Casualty Insurance Company

                           By:  /s/ James G. Drawert
                              -----------------------------------------------
                           Name: James G. Drawert
                                ---------------------------------------------
                           Title: Chairman & CEO
                                 --------------------------------------------

                           Millers General Agency, Inc.

                           By: /s/ James G. Drawert
                              -----------------------------------------------
                           Name: James G. Drawert
                                ---------------------------------------------
                           Title: Chairman & CEO
                                 --------------------------------------------

                                       4

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