Document:

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                     EXHIBIT 10.10 - ERIE INDEMNITY COMPANY
                           DEFERRED COMPENSATION PLAN
                              FOR OUTSIDE DIRECTORS

                 (AS AMENDED AND RESTATED AS OF APRIL 30, 2002)

                                   ARTICLE ONE

                                  INTRODUCTION

This Deferred Compensation Plan (the "Plan") is an unfunded, non-qualified,
deferred compensation arrangement created for outside directors of Erie
Indemnity Company. It is intended that the Plan will aid in retaining and
attracting outside directors of exceptional ability by providing such directors
with a vehicle for deferring director's compensation until retirement from the
Board of Directors of Erie Indemnity Company.

The Plan was effective as of May 1, 1997 and has been amended thereafter. This
amendment and restatement of the Plan shall constitute an amendment, restatement
and continuation of the Plan. This amendment and restatement is generally
effective as of April 30, 2002. However, certain provisions of this amendment
and restatement are effective as of some other date. The provisions of this
amendment and restatement with stated effective dates prior to April 30, 2002,
shall be deemed to amend the corresponding provisions, if any, of the Plan as in
effect before this amendment and restatement and all amendments thereto as of
such dates. Events occurring before the applicable effective date of any
provision of this amendment and restatement shall be governed by the applicable
provision of the Plan as in effect on the date of the event.

                                   ARTICLE TWO

                                   DEFINITIONS

The following words or phrases are defined terms whenever they appear in the
Plan:

2.1 "Administrator" shall mean the person or committee, appointed by the Board,
who shall be responsible for the functions assigned to him under the Plan.

2.2 "Amendment Form" shall mean the Amendment Form described in Section 8.3.

2.3 "Annual Share Credit" shall mean the Share Credit addition determined under
Section 7.2.

2.4 "Beneficiary" shall mean the individual(s) or trust(s) selected by a
Participant to receive payment of amounts credited under the Plan in the event
of the Participant's death, as evidenced by the most recent, properly completed
and executed, Beneficiary designation which the Participant has delivered to the
Administrator prior to the Participant's death. A Participant may make separate
Beneficiary designations for those amounts credited to the Deferred Stock
Account maintained on his behalf and to any Total Deferred Cash Account
maintained on his behalf. A Participant may change his Beneficiary at any time
by delivering a new designation of Beneficiary to the Administrator on such form
or forms as may be satisfactory to the

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Administrator. A new designation of Beneficiary shall be effective upon receipt
by the Administrator of the completed designation. As of such effective date,
the new designation shall divest any Beneficiary named in a prior designation in
that interest indicated in the prior designation. If no Beneficiary designation
is in effect on the death of the Participant, or if all designated Beneficiaries
have predeceased the Participant, any payments to be made under the Plan on
account of the Participant's death shall be paid to the estate of the
Participant.

2.5 "Board" shall mean the Board of Directors of the Erie Indemnity Company.

2.6 "Board Compensation" shall mean the remuneration, expressed in terms of a
cash amount, earned by a Director for service on the Board including, without
limitation, a retainer, meeting fees and chairperson's fees.

2.7 "Board Tenure Year" shall mean the period which, in reference to any given
calendar year, begins on the date of the Company's annual shareholder meeting
held in such year and ends on the day before the Company's annual shareholder
meeting held in the immediately following calendar year.

2.8 "Committee" shall mean the Executive Development and Compensation Committee
of the Board or its successor, as designated by the Board.

2.9 "Common Stock" shall mean the Class A common stock of the Company.

2.10 "Company" shall mean the Erie Indemnity Company, a Pennsylvania business
corporation.

2.11 "Deferred Compensation Account" shall mean the bookkeeping account
described in Section 4.2.

2.12 "Deferred Stock Account" shall mean the bookkeeping account described in
Article Seven.

2.13 "Director" shall mean a member of the Board.

2.14 "Dividend Equivalent Credit" shall mean the Share Credit addition
determined under Section 7.3.

2.15 "Election Form" shall mean the Participation Election Form described in
Section 3.2.

2.16 "Employee" shall mean a person engaged in performing services for the
Company, its affiliates or subsidiaries, as an exempt or non-exempt full-time
employee, as defined by the Company's Corporate Personnel Manual, as in
existence at the time of determination, and not as an independent contractor.

2.17 "Hypothetical Interest" shall mean the gains and losses credited to a
Participant's Deferred Compensation Account and/or Retirement Plan Transfer
Account in accordance with Article Six.

2.18 "Outside Director" shall mean:

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      a)  A Director who is not an Employee or officer of the Company, its
          affiliates or subsidiaries; and

      b)  Solely for the purpose of applying those provisions of the Plan
          pertaining to the transfer of a Retirement Plan Transfer Credit and
          the maintenance of a Retirement Plan Transfer Account, "Outside
          Director" shall also include any individual who was a Director on
          May 1, 1997 but not an Outside Director (within the meaning of
          paragraph (a) above) as of such date.

2.19 "Participant" shall mean each Outside Director who participates in the Plan
in accordance with the terms and conditions of the Plan.

2.20 "Plan" shall mean the Erie Indemnity Company Deferred Compensation Plan for
Outside Directors, including any amendments hereto.

2.21 "Retirement Plan" shall mean the Erie Indemnity Company Retirement Plan for
Outside Directors, effective as of January 1, 1991 and as amended thereafter.

2.22 "Retirement Plan Transfer Account" shall mean the bookkeeping account
described in Section 5.3.

2.23 "Retirement Plan Transfer Credit" shall mean the contribution credit
determined under Section 5.1.

2.24 "Retirement Plan Transfer Vesting Date" shall mean the date on which a
Participant officially stops serving on the Board for reasons other than the
Participant's death, provided such date follows the Participant's attainment of
age 65 and completion of five Years of Board Service.

2.25 "Share Credit" shall mean the separate, identifiable units accumulated
within a Participant's Deferred Stock Account attributable to Annual Share
Credits and Dividend Equivalent Credits.

2.26 "Share Credit Allocation Date" shall mean, with respect to any Board Tenure
Year, the business day next following the first day of such Board Tenure Year;
provided, however, that in reference to any individual who becomes an Outside
Director on any day other than the first day of a given Board Tenure year, the
Share Credit Allocation Date relative to such year shall mean the business day
next following the day on which the individual becomes an Outside Director.

2.27 "Total Deferred Cash Account" shall mean the sum of the amounts credited
under any Deferred Compensation Account and any Retirement Plan Transfer Account
maintained on behalf of a Participant.

2.28 "Valuation Date" shall mean the close of business as of each business day.

2.29 "Vested" shall mean, as of any given date, the portion of the Deferred
Stock Account and/or the Total Deferred Cash Account maintained on behalf of a
Participant which is then 100% vested and nonforfeitable, as determined under
Sections 4.2, 5.3, and Article Seven hereof.

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2.30 "Year of Board Service" shall mean each Board Tenure Year during which a
Director has served on the Board, including, for Directors on the Board as of
May 1, 1997, all Years of Board Service prior to the adoption of the Plan.

                                  ARTICLE THREE

                                  PARTICIPATION

3.1  ELIGIBILITY AND PARTICIPATION

     a)  Effective as of May 1, 2002, all Outside Directors then in Board
         service shall participate in the Plan. Any individual who becomes an
         Outside Director after May 1, 2002 shall participate in the Plan as of
         the Share Credit Allocation Date next following the date as of which
         the individual becomes an Outside Director. As a condition of
         participation, each Outside Director shall deliver to the Administrator
         properly completed and executed elections as described in Section 3.2.

     b)  Each Outside Director is eligible to participate in the Board
         Compensation deferral provisions of the Plan and may choose to defer
         Board Compensation in accordance with the provisions of Section 4.1.

3.2  PARTICIPATION ELECTION FORM

An Outside Director shall deliver to the Administrator the following elections,
to be made on such Election Form or Forms as the Administrator, in its
discretion, shall prescribe:

     a)  The method by which amounts credited to the Participant's Deferred
         Stock Account and, separately, any Total Deferred Cash Account is to
         be paid;

     b)  The date, following the Participant's official termination of service
         on the Board, as of which payment of amounts credited to the
         Participant's Deferred Stock Account and, separately, any Total
         Deferred Cash Account is to occur (in the event of a lump sum
         distribution) or commence (in the event of distribution in
         installments); and

     c)  The Beneficiary to whom payments of amounts credited to the
         Participant's Deferred Stock Account, and separately, any Total
         Deferred Cash Account will be made in the event of the Participant's
         death.

In addition, an Outside Director on whose behalf a Total Deferred Cash Account
is being maintained shall also be required to complete and deliver to the
Administrator the investment designation described in Section 6.2.

The elections under paragraphs (a) and (b) shall be irrevocable except as
provided in Section 8.3 hereof. The election under paragraph (c) may be changed
as provided in Section 2.4.

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                                  ARTICLE FOUR

                           BOARD COMPENSATION DEFERRED

4.1  DEFERRED COMPENSATION ELECTION

A Participant who is an Outside Director as described in Section 2.18(a) may
elect to defer Board Compensation for a given calendar year by delivering a
properly completed and executed Election Form to the Administrator by the end of
the calendar year which precedes the given calendar year in which the election
is to be effective. Such Election Form shall state, in 10% increments from 10%
to 100%, the percentage of Board Compensation to be deferred. Such deferral
election shall be irrevocable as of the January 1 of the calendar year to which
the election applies. Such deferral election shall terminate as to all Board
Compensation earned after such calendar year.

4.2  DEFERRED COMPENSATION ACCOUNT

A Deferred Compensation Account shall be established for each Outside Director
who properly completes and executes an Election Form on which he elects to defer
Board Compensation. The Board Compensation which each Participant defers and
Hypothetical Interest earned on such Board Compensation (as provided in Section
6.1) shall be credited to this Deferred Compensation Account. Board Compensation
deferred under this Plan shall be credited to the Participant's Deferred
Compensation Account as of the date such compensation would otherwise have been
payable to the Participant. A Participant's Deferred Compensation Account shall
be kept only for bookkeeping and accounting purposes and no Company funds shall
be transferred or designated to this account. A Participant's interest in the
Deferred Compensation Account maintained on his behalf shall be Vested at all
times.

                                  ARTICLE FIVE

                       TRANSFER OF RETIREMENT PLAN CREDIT

5.1  RETIREMENT PLAN TRANSFER ELECTION

     a)  The Company has recorded a contribution credit under the Plan on
         behalf of each Outside Director who satisfied the criteria set forth
         in paragraph (b) of this Section 5.1. Such contribution credit is
         referred to herein as the Retirement Plan Transfer Credit, was
         recorded as of December 31, 1997 and, except as provided in Section
         6.1(b), was equal to the amount individually determined under Section
         5.2.

     b)  An Outside Director was entitled to a Retirement Plan Transfer Credit
         if:

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     (i)  The Outside Director was an Outside Director, as described in Section
          2.18(a) or Section 2.18(b), on May 1, 1997; and

     (ii) During the period beginning June 17, 1997 and ending August 1, 1997,
          the Outside Director elected to have the Retirement Plan Transfer
          Credit recorded on his behalf under the Plan in lieu of any continuing
          interest under the Retirement Plan.

5.2  RETIREMENT PLAN TRANSFER CREDIT

     a)   The Retirement Plan Transfer Credit with respect to an Outside
          Director who (i) satisfied the criteria set forth in Section 5.1 and
          (ii) was considered an "Eligible Director" under the terms of the
          Retirement Plan as in effect on May 1, 1997 was the actuarial present
          value (as defined in paragraph (c) below) of the retirement benefit
          accrued by the Outside Director under the Retirement Plan as of May 1,
          1997.

     b)   The Retirement Plan Transfer Credit with respect to an Outside
          Director who (i) satisfied the criteria set forth in Section 5.1 and
          (ii) was not considered an "Eligible Director" under the terms of the
          Retirement Plan as in effect on May 1, 1997 was the actuarial present
          value of the deemed retirement benefit (as hereinafter defined) of the
          Outside Director under the Retirement Plan as of May 1, 1997. For
          purposes hereof, the "deemed retirement benefit" shall mean the
          retirement benefit which the Outside Director would have accrued under
          the Retirement Plan as of May 1, 1997 had participation in such
          Retirement Plan not been limited to "Eligible Directors" as therein
          defined (such deemed retirement benefit being based on the Outside
          Director's "Years of Board Service" as of May 1, 1997, as defined in
          the Retirement Plan and determined on the basis of full years and
          calendar quarters of such service, and the retainer in effect as of
          May 1, 1997).

     c)   For purposes of this Section 5.2, "actuarial present value" shall mean
          the single sum value of a retirement benefit (or deemed retirement
          benefit), determined as of May 1, 1997, by using the 1983 Group
          Annuity Mortality Table (50% male/50% female) and an interest rate of
          seven percent.

5.3  RETIREMENT PLAN TRANSFER ACCOUNT

A Retirement Plan Transfer Account has been established for each Outside
Director described in Section 5.1(b). The Retirement Plan Transfer Credit and
Hypothetical Interest earned on such Retirement Plan Transfer Credit shall be
recorded in this Retirement Plan Transfer Account. A Participant's Retirement
Plan Transfer Account shall be kept only for bookkeeping and accounting purposes
and no Company funds shall be transferred or designated to this account.
Notwithstanding any provision of the Plan to the contrary, a Participant's
interest in the Retirement Plan Transfer Account maintained on his behalf shall
be forfeited in its entirety in the event the Participant's service as a
Director is terminated for any reason (including death) prior to the
Participant's attainment of his Retirement Plan Transfer Vesting Date. Upon
attainment of his Retirement Plan Transfer Vesting Date, a Participant's
interest in such Retirement Plan Transfer Account shall become Vested.

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                                   ARTICLE SIX

               CREDITS TO PARTICIPANT TOTAL DEFERRED CASH ACCOUNTS

6.1  HYPOTHETICAL INTEREST

     a)  The Total Deferred Cash Account maintained on behalf of a Participant
         under the Plan will be credited with Hypothetical Interest. The
         Hypothetical Interest shall be credited as of each Valuation Date on
         the amount credited to the Participant's Total Deferred Cash Account on
         such Valuation Date in accordance with the valuation procedure adopted
         by the Administrator. The Hypothetical Interest to be credited to each
         Total Deferred Cash Account shall be determined by the Administrator
         and computed in reference to the appreciation or depreciation
         experienced since the immediately preceding Valuation Date by the
         hypothetical investment funds which the Administrator may offer to
         Participants under Section 6.2. For any given period, Hypothetical
         Interest may be a positive or a negative figure. The crediting of
         Hypothetical Interest shall occur so long as there is a balance in the
         Participant's Total Deferred Cash Account regardless of whether the
         Participant has terminated service with the Board or has died. The
         Administrator may prescribe any reasonable method or procedure for the
         accounting of Hypothetical Interest.

     b)  Notwithstanding any provision of this Article Six to the contrary:

         (i)  The Retirement Plan Transfer Credit, determined under Section 5.2
              and recorded as of December 31, 1997 on behalf of an Outside
              Director described in Section 5.1(b), was increased with
              Hypothetical Interest for the period beginning on May 1, 1997 and
              ending on December 31, 1997; and

         (ii) For purposes of subparagraph (i) above, "Hypothetical Interest"
              was in reference to the interest, compounded on a daily basis, at
              the rate or rates in effect during the period beginning on May 1,
              1997 and ending December 31, 1997, as declared by the Board of
              Directors of Erie Family Life Insurance Company on the Erie Family
              Life Insurance Company deposit administration group annuity
              contract held by the trustee of the Erie Insurance Group Employee
              Savings Plan.

6.2  PARTICIPANT INVESTMENT DESIGNATION

     a)  A Participant (and any Outside Director first electing to participate
         in the Plan) may designate on such form or forms as may be
         satisfactory to the Administrator, that portion of his future deferred
         compensation and, separately, that portion of any existing Total
         Deferred Cash Account maintained on his behalf which shall be credited
         with Hypothetical Interest in reference to each of the hypothetical
         investment funds that may be offered by the Administrator, in the
         discretion of the Administrator. Such designations may specify, in 1%
         increments, the percentages to be credited in reference to each of the
         hypothetical investment funds offered. Such designations may remain in
         effect until the Participant submits a new designation within such
         time and in accordance with such means as is determined pursuant to a
         uniform policy adopted by the Administrator. Under such policy, new
         designations may be made as to (i) future deferred compensation

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         and/or (ii) any existing Total Deferred Cash Account, provided that
         separate designations as to the crediting of a Deferred Compensation
         Account and a Retirement Plan Transfer Account shall not be available.
         All new designations shall be effective as of a given date specified
         by the Administrator. In the event a Participant fails to make an
         effective designation under this Section 6.2(a), the Administrator,
         acting in its discretion, shall make such designation on behalf of the
         Participant.

     b)  In accepting participation in the Plan, a Participant agrees on behalf
         of himself and his Beneficiary to assume all risk in connection with
         any decrease in value of the hypothetical investment funds in
         reference to which Hypothetical Interest is credited to the
         Participant's Total Deferred Cash Account. The Company and the
         Administrator shall not be liable to any Participant or Beneficiary
         for the under-performance of any hypothetical investment fund offered
         under the Plan.

     c)  The Administrator may, in its discretion, offer additional
         hypothetical investment funds to Participants and may cease to offer
         any such fund at such time as it deems appropriate. In the event the
         Administrator decides to discontinue offering an investment fund under
         the Plan, those Participants on whose behalf Hypothetical Interest is
         then being credited on the basis of the discontinued hypothetical
         investment fund shall be required to designate, from such selection of
         hypothetical funds as may be offered by the Administrator, a
         hypothetical fund or funds as a replacement for the hypothetical
         investment fund being discontinued. Such designation shall be made in
         accordance with Section 6.2(a) hereof. Hypothetical Interest credited
         on behalf of any Participant who is affected by the discontinuation of
         a hypothetical investment fund but who fails to make the replacement
         designation provided in this Section 6.2(c) shall mirror, to the
         extent of the Participant's interest in such discontinued fund, such
         hypothetical investment fund or funds as the Administrator may choose
         in its discretion.

     d)  Notwithstanding any provision of the Plan to the contrary, the
         eligibility of a Participant to make any designation under this
         Section 6.2 shall not be construed as to provide any Participant or
         any other person with a beneficial ownership interest in any Company
         assets. Title to and beneficial ownership of any assets which the
         Company may earmark to pay the contingent deferred compensation
         hereunder shall at all times remain in the Company. The Participant,
         his Beneficiary and any heirs, successors or assigns shall not have
         any legal or equitable right, interest or control over or any property
         interest whatsoever in any specific assets of the Company or any
         Affiliate on account of having an interest under the Plan. Any and all
         of the Company's assets, and any life insurance policies, annuity
         contracts or the proceeds therefrom which may be acquired by the
         Company shall be, and remain, the general unpledged, unrestricted
         assets of the Company. In no event shall the Company be required to
         purchase any specific shares or interest in any investment fund.

6.3 STATEMENTS

Statements will be sent to each Participant as to the balance of his Total
Deferred Cash Account at least once each calendar year.

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                                  ARTICLE SEVEN

                           CREDITING OF DEFERRED STOCK

7.1 DEFERRED STOCK ACCOUNT

A Deferred Stock Account shall be established for each Outside Director to which
shall be credited the amounts described in Section 7.2 and 7.3.

7.2 ANNUAL SHARE CREDIT

With respect to each Board Tenure Year during which the Director is an Outside
Director, the Deferred Stock Account maintained on such Participant's behalf
shall be credited with an Annual Share Credit, effective as of the Share Credit
Allocation Date. For any given Board Tenure Year, the Annual Share Credit made
to an Outside Director's Deferred Stock Account shall be equal to the quotient
obtained by dividing the Outside Director's annual retainer for the given year
by the closing price of Common Stock on the Share Credit Allocation Date. A
Participant's interest in the Annual Share Credit attributable to any given
Board Tenure Year shall vest in accordance with the following schedule:

<TABLE>
<CAPTION>

                                                                                           VESTED PERCENTAGE IN
                                 DATE OF RETIREMENT OR                                      THAT YEAR'S ANNUAL
                              TERMINATION OF BOARD SERVICE                                      SHARE CREDIT
                              ----------------------------                                      ------------
<S>                                                                                        <C>
    Before last day of third full month of given Board Tenure Year                                   0%

    After last day of third full month of given Board Tenure Year but before last                   25%
    day of sixth full month of given Board Tenure Year

    After last day of sixth full month of given Board Tenure Year but before last                   50%
    day of ninth full month of given Board Tenure Year

    After last day of ninth full month of given Board Tenure Year but before the                    75%
    earlier of (i) the twelfth full month of given Board Tenure Year or (ii) the
    date on which begins the immediately following Board Tenure Year.

    On or after the earlier of (i) the twelfth full month of given Board Tenure                    100%
    Year or (ii) the date on which begins the immediately following Board Tenure
    Year.
</TABLE>

7.3 DIVIDEND EQUIVALENT CREDIT

For each quarterly period (i) with respect to which a dividend is paid on Common
Stock, and (ii) in which there is a balance in the Deferred Stock Account
maintained on behalf of a Participant as of the record date applicable to the
dividend paid on Common Stock (regardless of

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whether the Participant has terminated service with the Board or has died), a
Participant's Deferred Stock Account shall be credited with a Dividend
Equivalent Credit. The Dividend Equivalent Credit for any such quarterly period
shall be credited as of the date on which the dividend is paid on Common Stock
for such quarterly period. For any such applicable quarterly period, the
Dividend Equivalent Credit made to a Participant's Deferred Stock Account shall
be determined as follows:

     a)  A dividend credit is determined, expressed in cash, equal to the
         product of:

         (i)  The dividend payable by the Company on one share of Common Stock
              for such quarterly period; and

         (ii) The number of full, accumulated Share Credits credited to the
              Participant's Deferred Stock Account as of the Common Stock
              dividend record date applicable to such quarterly period.

     b)  The dividend credit determined in paragraph (a) above will immediately
         be converted into a Share Credit by dividing such cash dividend credit
         by the closing price of Common Stock on the date on which the dividend
         is paid on Common Stock for such quarterly period.

No Dividend Equivalent Credit will be made with respect to a partial Share
Credit.

A Participant's interest in the Share Credits attributable to Dividend
Equivalent Credits shall be Vested at all times.

7.4 AGGREGATION OF PARTIAL SHARE CREDITS

Effective as of each Share Credit Allocation Date and each Common Stock dividend
record date with respect to which Dividend Equivalent Credits are made, any
partial Share Credits then credited to a Participant's Deferred Stock Account
shall be aggregated in such manner as the Administrator shall provide to
constitute full Share Credits.

7.5 ADJUSTMENT TO SHARE CREDITS

Share Credits maintained on behalf of a Participant hereunder shall be subject
to appropriate adjustment by the Administrator in the event of changes in the
outstanding Common Stock by reason of stock dividends, stock splits,
recapitalizations, reorganizations, mergers, consolidations, combinations,
exchanges, or other relevant changes in capitalization occurring after the date
Share Credits are credited hereunder.

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7.6 PURPOSE OF PARTICIPANT'S DEFERRED STOCK ACCOUNT

A Participant's Deferred Stock Account shall be kept only for bookkeeping and
accounting purposes and no Company funds shall be transferred or designated to
this account. Statements will be sent to each Participant as to the balance of
his Deferred Stock Account at least once each calendar year.

                                  ARTICLE EIGHT

                      PAYMENT OF DEFERRED STOCK ACCOUNT AND
                           TOTAL DEFERRED CASH ACCOUNT

8.1  PAYMENT

Upon termination of service with the Board, the amounts represented by the
balances credited to the Participant's Vested Deferred Stock Account and Vested
Total Deferred Cash Account shall be paid to him by the Company according to the
method and at the times selected by the Participant in his Election Form or, if
applicable, in the most recent, properly executed and effective Amendment
Form(s) which the Participant has delivered to the Administrator prior to the
Participant's termination of Board service. A Participant may make independent
elections under this Article Eight applicable to (i) the Vested Deferred Stock
Account maintained on his behalf and (ii) the Vested Total Deferred Cash Account
maintained on his behalf.

8.2  METHODS OF PAYMENT

     a)  A Participant may elect one of the following methods of payment for the
         amounts represented by his Vested Deferred Stock Account:

         (i)  A lump sum distribution; or

         (ii) Payments in approximately equal annual installments for a period
              not to exceed 10 years.

         Payments of the distributable amount represented by all or a portion of
         the balance in the Participant's Vested Deferred Stock Account will be
         made in shares of Common Stock equal to the number of full Share
         Credits comprising the distributable amount that are then credited to
         the Participant's Vested Deferred Stock Account, with fractional Share
         Credits comprising the distributable amount payable in cash.

     b)  A Participant may elect any one of the following methods of payment for
         the amounts represented by his Vested Total Deferred Cash Account:

         (i)  A lump sum distribution;

         (ii) Payment in approximately equal annual installments for a period
              not to exceed 10 years; or

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         (iii) Payment in approximately equal monthly installments for a period
               not to exceed 10 years.

         Payments of the distributable amount represented by all or a portion of
         the balance in the Participant's Vested Total Deferred Cash Account
         shall be made in cash.

     c)  In the event the Participant dies before receiving the entire
         distribution to which he is entitled under the Plan, the provisions of
         Section 8.4 shall apply.

8.3  AMENDMENT TO PAYMENT ELECTION

A Participant who is an active Director may request to defer the date at which
payment of the amount represented by his Vested Deferred Stock Account and/or
Vested Total Deferred Cash Account will occur (or commence) and may request a
change in his elected method of payment by submitting a properly completed and
executed Amendment Form to the Administrator which indicates the period of
additional deferral and/or the desired method of payment; provided, however:

     a)  Such request of additional deferral or alternative method of payment
         shall be subject to the Administrator's power, to be exercised at the
         Administrator's discretion, to direct that payment of the amount
         represented by the Participant's Vested Deferred Stock Account and/or
         Vested Total Deferred Cash Account will occur or commence, or will be
         paid under a method, in accordance with the Participant's election(s)
         on a previously delivered Amendment Form or on the Participant's
         Election Form; and

     b)  In no event shall any requested additional deferral or alternative
         method of payment become effective unless the Amendment Form
         evidencing such request is submitted to, and approved by, the
         Administrator at least twelve months prior to the date payment of the
         amount represented by the Vested Deferred Stock Account and/or Vested
         Total Deferred Cash Account would otherwise have occurred or commenced
         under the Election Form or Amendment Form in effect on the date the
         Participant requests the additional deferral or alternative method of
         payment.

     A Participant may make separate requests under this Section 8.3 applicable
     to the Vested Deferred Stock Account maintained on his behalf and to any
     Total Deferred Cash Account maintained on his behalf.

8.4  PAYMENT UPON DEATH OF PARTICIPANT

     a)  In the event of a Participant's death prior to his Retirement Plan
         Transfer Vesting Date, the amount represented by the Participant's
         Deferred Compensation Account and the amount represented by the
         Participant's Vested Deferred Stock Account shall be paid by the
         Company to the Participant's Beneficiary or Beneficiaries as soon as
         practicable in the form of a lump sum. Any amount represented by the
         balance credited to the Participant's

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         Retirement Plan Transfer Account shall be forfeited upon the
         Participant's death.

     b)  In the event of a Participant's death on or after his Retirement Plan
         Transfer Vesting Date, the amount represented by the Participant's
         Vested Deferred Stock Account and the amount represented by the
         Participant's Vested Total Deferred Cash Account shall be paid by the
         Company to the Participant's Beneficiary or Beneficiaries as soon as
         practicable in the form of a lump sum.

     c)  Payment of the distributable amount represented by the deceased
         Participant's Vested Deferred Stock Account will be made in shares of
         Common Stock equal to the number of full Share Credits credited to
         such account as of the payment date, with fractional Share Credits
         payable in cash.

8.5  EMERGENCY CIRCUMSTANCES

Notwithstanding any other provision of this Plan, if the Committee determines,
after consideration of a Participant's application, that the Participant has a
financial necessity of such a substantial nature that a current payment of
compensation deferred under this Plan is warranted, the Committee may in its
sole and absolute discretion direct that all or a portion of the Participant's
Deferred Compensation Account balance be paid to him. The payment shall be made
in the manner and at the times specified by the Committee for payment; provided,
however, such payment shall not be in excess of that amount which is, in the
discretion of the Committee, required to satisfy the financial necessity. In
making determinations under this Section 8.5, no member of the Committee shall
vote with respect to any application made by the Committee member under this
Section.

                                  ARTICLE NINE

                          AMENDMENT AND DISCONTINUANCE

The Company expects to continue the Plan indefinitely, but reserves the right to
amend or discontinue the Plan at any time, if, in its sole judgment, such
amendment or discontinuance is necessary or desirable. Any such amendment or
discontinuance shall be made pursuant to a resolution of the Board and shall be
effective as of the date specified in such resolution. Without a consent of the
Participant, no amendment or discontinuance of the Plan shall adversely affect
the balance of a Participant's Deferred Compensation Account, Deferred Stock
Account or Retirement Plan Transfer Account at the time of amendment or
discontinuance. In the event of a discontinuance of the Plan, the Company (or
any transferee, or successor entity of the Company) shall be obligated to pay
amounts represented by Vested Deferred Stock Account balances and Vested Total
Deferred Cash Account balances to Participants and Beneficiaries at such time or
times and in such forms as provided under the terms of the Plan.

                                       13
<PAGE>
                                   ARTICLE TEN

                               GENERAL PROVISIONS

10.1  GENERAL CONTRACTUAL OBLIGATION

It is the intent of this Plan, and each Participant understands, that no trust
has been created for his or her benefit in connection with this Plan and that
eligibility and participation in this Plan does not grant any Participant any
interest in any asset of the Company or any affiliated company. The Company's
obligation to pay to the Participant the amounts credited hereunder is a general
contract obligation and shall be satisfied solely from the general assets of the
Company. Nothing contained in the Plan shall constitute a guaranty by the
Company, any affiliated company, or any other entity or person that the assets
of the Company will be sufficient to pay amounts determined in accordance with
the Plan. The obligation of the Company under the Plan shall be merely that of
an unfunded and unsecured promise of the Company to pay amounts in the future.
Notwithstanding a Participant's entitlement to Vested amounts under the terms of
the Plan, the status of the Participant is that of an unsecured general creditor
to the extent of his entire interest under the Plan as herein described.

10.2  SPENDTHRIFT PROVISIONS

The interest of a Participant or his Beneficiary under the Plan shall not be
subject in any manner to anticipation, alienation, sale, transfer, assignment,
pledge, encumbrance, or charge, either voluntarily or involuntarily, prior to
actual receipt thereof by the payee; any attempt so to anticipate, alienate,
sell, transfer, assign, pledge, encumber or charge any such interest herein
prior to such receipt shall be void. Amounts credited hereunder shall not be
subject to garnishment, attachment or other legal or equitable process nor shall
they be an asset in bankruptcy; provided, however, that no amount shall be
payable from this Plan to a Participant, or any person claiming by or through a
Participant, unless and until any and all amounts representing debts or other
obligations owed to the Company or any affiliated company by the Participant
have been fully paid and satisfied. The Company shall not be liable in any
manner for or subject to the debts, contracts, liabilities, torts or engagements
of any person who has a Deferred Stock Account or a Total Deferred Cash Account
maintained on his behalf under the Plan.

10.3  INCAPACITY OF RECIPIENT

In the event a Participant or Beneficiary is declared incompetent and a
guardian, conservator or other person legally charged with the care of his
person or of his estate is appointed, any Vested Deferred Stock Account and any
Vested Total Deferred Cash Account under the Plan to which such Participant, or
Beneficiary is entitled shall be paid to such guardian, conservator or other
person legally charged with the care of his person or his estate. Except as
provided hereinabove, when the Administrator, in its sole discretion, determines
that a Participant or Beneficiary is unable to manage his financial affairs, the
Administrator may direct the Company to make distribution(s) from the Vested
Deferred Stock Account and any Vested Total Deferred Cash Account maintained on
behalf of such Participant or Beneficiary to any one or more of the spouse,
lineal ascendants or descendants or other closest living relatives of such
Participant or

                                       14
<PAGE>
Beneficiary who demonstrates to the satisfaction of the Administrator the
propriety of making such distribution(s). Any payment so made shall be in
complete discharge of any liability under the Plan for such payment. The
Administrator shall not be required to see to the application of any such
distribution made as provided above.

10.4  UNCLAIMED BENEFIT

In the event that any amount determined to be payable to a Participant or
Beneficiary hereunder remains unclaimed by such Participant or Beneficiary for a
period of four years after the whereabouts or existence of such person was last
known to the Administrator, the Administrator may direct that all rights of such
person to such amounts be terminated absolutely, provided that if such
Participant or Beneficiary subsequently appears and files a claim for payment in
accordance with Article Ten, the liability under the Plan for such amounts shall
be reinstated.

10.5  ELECTIONS, APPLICATIONS, NOTICES

Every designation, election, revocation or notice authorized or required
hereunder which is to be delivered to the Company or the Administrator shall be
deemed delivered to the Company or the Administrator as the case may be: (a) on
the date it is personally delivered to the Administrator at the Company's
executive offices at 100 Erie Insurance Place, Erie, Pennsylvania 16530 or (b)
three business days after it is sent by registered or certified mail, postage
prepaid, addressed to the Administrator at the offices indicated above. Every
such item which is to be delivered to a person or entity designated by the
Administrator to perform recordkeeping and other administrative services on
behalf of the Plan shall be deemed delivered to such person or entity when it is
actually received (either physically or through interactive electronic
communication) by such person or entity. Every designation, election, revocation
or notice authorized or required hereunder which is to be delivered to a
Participant or Beneficiary shall be deemed delivered to a Participant or
Beneficiary: (a) on the date it is personally delivered to such individual
(either physically or through interactive electronic communication), or (b)
three business days after it is sent by registered or certified mail, postage
prepaid, addressed to such individual at the last address shown for him on the
Company's records. Any notice required hereunder may be waived by the person
entitled thereto.

10.6  COUNTERPARTS

This Plan may be executed in any number of counterparts, each of which shall be
considered as an original, and no other counterparts need be produced.

10.7  SEVERABILITY

In the event any provision of this Plan shall be held illegal or invalid for any
reason, such illegality or invalidity shall not affect the remaining provisions
of the Plan. This Plan shall be construed and enforced as if such illegal or
invalid provision had never been contained herein.

                                       15
<PAGE>
10.8  GOVERNING LAW

The Plan is established under and will be construed according to the laws of the
Commonwealth of Pennsylvania.

10.9  HEADINGS

The headings of Sections of this Plan are for convenience of reference only and
shall have no substantive effect on the provisions of this Plan.

10.10  CONSTRUCTION

The masculine gender, where appearing in this Plan, shall be deemed to also
include the feminine gender. The singular shall also include the plural, where
appropriate.

                                 ARTICLE ELEVEN

                                 ADMINISTRATION

11.1  GENERAL ADMINISTRATION

The Administrator shall be charged with the administration of the Plan. The
Administrator shall have all such powers as may be necessary to discharge its
duties relative to the administration of the Plan, including by way of
illustration and not limitation, discretionary authority to interpret and
construe the Plan, to determine and decide all questions of fact, and all
disputes arising under the Plan including, but not limited to, the validity of
any election or designation as may be necessary or appropriate hereunder and the
right of any Participant or Beneficiary to receive payment of all or any portion
of amounts represented by a Deferred Stock Account and/or a Total Deferred Cash
Account maintained hereunder. The Administrator shall have all power necessary
to adopt, alter and repeal such administrative rules, regulations and practices
governing the operation of the Plan as it, in its sole discretion, may from time
to time deem advisable. The Administrator shall not be liable to any person for
any action taken or omitted in connection with the interpretation and
administration of the Plan unless attributable to willful misconduct. The
Administrator shall be entitled to conclusively rely upon all tables,
valuations, certificates, opinions and reports furnished by any actuary,
accountant, controller, counsel or other person employed or engaged by the
Company with respect to the Plan. Any individual serving as Administrator shall
not participate in any action or determination regarding solely his own benefits
payable hereunder. Except as provided in Section 11.3, decisions of the
Administrator made in good faith shall be final, conclusive and binding upon all
parties.

11.2  CLAIMS PROCEDURE

Payment to a Participant or Beneficiary of any amount determined under the Plan
shall be made by the Company only after the Participant or Beneficiary has
delivered a properly completed and executed claim to the Administrator on such
form(s) and in such manner as provided by the Administrator. Whenever the
Administrator denies, in whole or in part, a claim for benefits filed

                                       16
<PAGE>
by any person (hereinafter referred to as a "Claimant"), the Administrator shall
transmit a written notice setting forth (i) the specific reasons for the denial
of the claim, (ii) references to the specific provisions of the Plan on which
the denial is based, (iii) a description of any additional needed material or
information and why such material or information is necessary, and (iv) further
steps which the Claimant can take in order to have his claim reviewed (including
a statement that the Claimant or his duly authorized representative may review
the Plan document and submit issues and comments regarding the claim to the
Administrator). In addition, the written notice shall contain the date on which
the notice was sent and a statement advising the Claimant that, within ninety
(90) days of the date on which such notice is received, he may request a review
of the Administrator's decision.

11.3  CLAIMS REVIEW

Within ninety (90) days of the date on which the notice of denial of claim is
received by the Claimant, the Claimant or his authorized representative may
request that the claim denial be reviewed by filing with the Administrator a
written request therefor, which request shall contain the following information:

     a)  The date on which the notice of denial of claim was received by the
         Claimant;

     b)  The date on which the Claimant's request was filed with the
         Administrator; provided, however, that the date on which the
         Claimant's request for review was in fact filed with the Administrator
         shall control in the event that the date of the actual filing is later
         than the date stated by the Claimant pursuant to this clause (b);

     c)  The specific portions of the denial of his claim which the Claimant
         requests the Administrator to review;

     d)  A statement by the Claimant setting forth the basis upon which he
         believes the Administrator should reverse its previous denial of his
         claim for benefits and accept his claim as made;

     e)  Whether the Claimant desires a hearing on the claim; and

     f)  Any written material (included as exhibits) which the Claimant desires
         the Administrator to examine in its consideration of his position as
         stated pursuant to clause (d).

If the Claimant has requested a hearing on the claim, such hearing shall be held
within thirty (30) days after the date determined pursuant to clause (b) hereof.
Within sixty (60) days of the date determined pursuant to clause (b) hereof (or,
if special circumstances or the request for a hearing require an extension of
time, within ninety (90) days of such date), the Administrator shall conduct a
full and fair review of the decision denying the Claimant's claim for benefits
and shall deliver its decision to the Claimant in writing. Such written decision
shall set forth the specific

                                       17
<PAGE>
reasons for the decision, including references to the specific provisions of
this Plan which were relied upon. The decision will be final and binding on all
persons concerned.

Executed at Erie, Pennsylvania this 1st day of October, 2002, effective as
of April 30, 2002.

                                             ERIE INDEMNITY COMPANY

                                             By: /s/ Jeffrey A. Ludrof
                                                ----------------------------
                                                Jeffrey A. Ludrof

                                             Title: President & Chief
                                                    Executive Officer

ATTEST:

/s/ Jan R. Van Gorder
------------------------------------
Jan R. Van Gorder
Secretary

                                       18<PAGE>

                      EXHIBIT 10.11 - EMPLOYMENT AGREEMENT

     THIS AGREEMENT (the "Agreement") made effective as of the 9th day of May,
2002 (the "Effective Date") by and between ERIE INDEMNITY COMPANY, a
Pennsylvania corporation with its principal place of business at Erie,
Pennsylvania (the "Company"), and JEFFREY A. LUDROF (the "Executive");

                                   WITNESSETH:

      WHEREAS, the Company has determined that it is in the best interests of
the Company and its shareholders to secure the continued employment of the
Executive on the terms and subject to the conditions set forth in this
Agreement; and

      WHEREAS, the Executive desires and is willing to accept employment with
the Company on the terms and subject to the conditions set forth herein;

      NOW THEREFORE, in consideration of the premises and mutual covenants
contained herein, and intending to be legally bound hereby, the parties hereto
agree as follows:

      1. Term. The Company hereby agrees to continue the employment of the
Executive and the Executive hereby agrees to continue to serve the Company
pursuant to the terms and conditions of this Agreement as President and CEO of
the Company, or in such other position with the Company of at least commensurate
responsibility and authority in all material respects, for a term of four years
commencing on the Effective Date hereof and expiring on May 8, 2006, unless
earlier terminated pursuant to Section 5 hereof. Notwithstanding the foregoing,
the Executive shall serve in said office(s) at the pleasure of the Company's
Board of Directors (the "Board of Directors") and the Executive may be removed
from said office(s) at any time with or without Cause, as hereinafter defined,
pursuant to Sections 5(b) or 5(d) hereof; provided that any such removal shall
be without prejudice to any contract rights the Executive may have hereunder.
Subject to Section 8(a)(6) and Section 8(b) hereof, this Agreement shall expire
by its terms on May 8, 2006.

      2. Duties and Responsibilities. The Executive's duties hereunder shall be
those which shall be prescribed by the Company's Bylaws, as amended from time to
time, and by the Board of Directors or any committee thereof from time to time
and shall include such executive authority, duties, powers and responsibilities
as customarily attend the office as President and CEO of a company comparable to
the Company. The Executive shall discharge such duties consistent with sound
business practices and in accordance with law and the Company's general
employment policies, in each case, as in effect from time to time, in all
material respects and the Executive shall use best efforts to promote the best
interests of the Company. During the term of this Agreement, the Executive's
position (including the Executive's status and reporting requirements),
authority, duties, powers and responsibilities shall at all times be at least
commensurate in all material respects with the most significant of those held,
exercised or assigned to the Executive as of the Effective Date. The Executive
shall devote the Executive's knowledge, skill and all of the Executive's
professional time, attention and energies (reasonable absences for vacations and
illness excepted), to the business of the Company in order to perform such
assigned duties faithfully, competently and diligently. It is understood and
agreed between the parties that the Executive may (i) engage in charitable and

                                       1
<PAGE>
community activities, including serving on boards of directors or trustees of
and holding other leadership positions in non-profit organizations unless the
objectives and requirements of such positions are determined by the Board of
Directors to be inconsistent with the performance of the Executive's duties
hereunder, and, (ii) manage personal investments, so long as such activities do
not interfere or conflict with the Executive's performance of responsibilities
and obligations hereunder. It is expressly agreed that any such activities
engaged in by the Executive as of the Effective Date shall not thereafter be
deemed to interfere with the Executive's obligations and responsibilities
hereunder. The Executive agrees that the approval of the Board of Directors or a
committee thereof shall be required before the Executive first accepts a
position as director of any for-profit corporation after the date hereof.

      3. Compensation. During the term of this Agreement, the Executive shall
receive, for all services rendered to the Company hereunder, the following
(hereinafter referred to collectively as "Compensation"):

         (a) Salary. The Executive shall be paid an annual base salary at an
      annual rate at least equal to the annual rate being paid or payable to the
      Executive by the Company in the month in which the Effective Date occurs,
      with such increases thereafter as shall be determined from time to time to
      be fair and reasonable by the Board of Directors or by the Executive
      Compensation Committee of the Board of Directors (the "Committee") in its
      discretion after taking into account, among other things, the authority,
      duties, powers and responsibilities of the Executive's position, the
      Executive's performance, the Company's performance, the compensation of
      persons in comparable positions at the Company and at other comparable
      companies, and the effect of inflation. The Executive's annual base salary
      shall not be reduced after any such increase. The Executive's annual base
      salary shall be payable in equal installments in accordance with the
      Company's general salary payment policies, but no less frequently than
      bi-weekly.

         (b) Incentive Compensation. The Executive shall be eligible for awards
      under the Company's incentive compensation plans, if any, applicable to
      senior executive officers of the Company or to key employees of the
      Company or its subsidiaries, including, but not limited to, management
      incentive plans and stock option plans, in accordance with and subject to
      the terms thereof (including any provisions providing for changes in the
      level of or termination of benefits thereunder), on a basis commensurate
      with the Executive's position and authorities, duties, powers and
      responsibilities.

         (c) Employee Benefit Plans. The Executive and the Executive's
      "dependents," as that term may be defined under the applicable employee
      benefit plan(s) of the Company, shall be included, to the extent eligible
      thereunder and subject to the terms of the plans (including any provisions
      for changing the level of or termination of benefits thereunder), in all
      plans, programs and policies which provide benefits for Company employees
      and their dependents on a basis commensurate with the Executive's position
      and authorities, duties, powers and

                                       2
<PAGE>
      responsibilities including, without limitation, health care insurance,
      health and welfare plans, pension and retirement plans, group life
      insurance plans, split dollar life insurance plans, short and long-term
      disability plans, survivors' benefits, executive supplemental benefits,
      holidays and other similar or comparable benefits made available to the
      Company's employees and senior executive officers (hereinafter, such
      plans, programs and policies shall be collectively referred to as the
      "Erie Benefit Plans"). Such plans, programs and policies shall include,
      but are not limited to, the Erie Insurance Group Retirement Plan for
      Employees, the Erie Insurance Group Employee Savings Plan, the Erie
      Insurance Group Deferred Compensation Plan, the Erie Insurance Group Split
      Dollar Life Insurance Plan, the Erie Insurance Group Supplemental
      Executive Retirement Plan, and the Erie Insurance Group Health Protection,
      Prescription Drug, Dental Assistance and Vision Care Plans.

         (d) Perquisites. The Executive shall be entitled to all perquisites
      which the Company from time to time makes available to senior executive
      officers of the Company. Such perquisites shall include, but are not
      limited to, parking, club dues, tax preparation assistance, and an annual
      physical examination.

         (e) Expenses and Working Facilities. The Executive is hereby authorized
      to incur, and shall be reimbursed by the Company for, any and all
      reasonable and necessary business related expenses, including, but not
      limited to, expenses for business travel, entertainment, gifts and similar
      matters, which expenses are incurred by the Executive on behalf of the
      Company or any of its subsidiaries, upon presentation of itemized accounts
      of such expenses in accordance with Company policies. The Executive shall
      be furnished during the term of this Agreement with offices and other
      working facilities in the Company's principal executive offices located in
      Erie, Pennsylvania (or other location of the principal executive offices
      within the Erie metropolitan area) and secretarial and other assistance
      suitable to the Executive's position and adequate for the performance of
      duties hereunder.

         (f) Performance Appraisal. The Executive's performance may be evaluated
      by the Board of Directors or the Committee from time to time. The
      Executive shall be entitled to such additional remuneration, including but
      not limited to annual bonuses based on performance, as the Board of
      Directors or the Committee may, in its discretion, determine from time to
      time.

      4. Absences. The Executive shall be entitled to vacations in accordance
with the Company's vacation policy in effect from time to time (but in no event
shall the Executive be entitled to fewer vacation days than under the Company's
vacation policy as in effect on the Effective Date) and to absences because of
illness or other incapacity, and shall also be entitled to such other absences,
whether for holiday, personal time, conventions, or for any other purpose, as
are granted to the Company's other senior executive officers or as are approved
by the Board of Directors or the Committee, which approval shall not be
unreasonably withheld.

                                       3
<PAGE>
      5. Termination. The Executive's employment hereunder may be terminated
only as follows:

      (a) Expiration of Term of Office. Upon the expiration of the term of the
   office(s) to which the Executive has been elected or appointed as set forth
   in Section 1 hereof, the Board of Directors may (i) determine that the
   Executive should not continue in such office(s) or (ii) that the Executive
   should not be elected or appointed to an office with duties, authorities,
   powers and responsibilities that are at least commensurate with those of said
   office(s), in either case, for reasons other than for Cause (if the reasons
   for such noncontinuance, nonreelection or nonreappointment constitute Cause,
   then Section 5(d) hereof will apply).

      (b) By the Company Without Cause. The Company may at any time terminate
   the Executive's employment hereunder without Cause only by the affirmative
   vote of a majority of the entire Board of Directors, and upon no less than
   thirty (30) days prior written notice to the Executive.

      (c) By the Executive Without Good Reason. The Executive may at any time
   terminate employment hereunder for any reason upon no less than thirty (30)
   days written notice to the Company. Section 5(e) shall apply to any
   termination of employment by the Executive for Good Reason.

      (d) By the Company For Cause. The Company may terminate the Executive's
   employment hereunder for Cause. In such event, the Company shall give to the
   Executive prompt written notice (in addition to any notice which may be
   required by Section 5(d)(1) hereof) specifying in reasonable detail the basis
   for such termination. For purposes of this Agreement, "Cause" shall mean any
   of the following conduct by the Executive:

         (1) The deliberate and intentional breach of any material provision of
            this Agreement, which breach Executive shall have failed to cure
            within thirty (30) days after Executive's receipt of written notice
            from the Company specifying the specific nature of the Executive's
            breach;

         (2) The deliberate and intentional engaging by Executive in gross
            misconduct that is materially and demonstrably inimical to the best
            interests, monetary or otherwise, of the Company; or

         (3) Conviction of a felony or conviction of any crime involving moral
            turpitude, fraud or deceit.

For purposes of this definition, no act, or failure to act, on the Executive's
part shall be considered "deliberate and intentional" unless done, or omitted to
be done, by the Executive not

                                       4
<PAGE>
in good faith and without reasonable belief that such action or omission was in
the best interest of the Company.

      (e) By the Executive for Good Reason. The Executive may terminate
   employment hereunder for Good Reason upon providing thirty (30) days written
   notice to the Company after the Executive reasonably becomes aware of the
   circumstances giving rise to such Good Reason. For purposes of this
   Agreement, "Good Reason" means the following conduct of the Company, unless
   the Executive shall have consented thereto in writing:

            (1)   Material breach of any material provision of this Agreement by
                  the Company, which breach shall not have been cured by the
                  Company within thirty (30) days after Company's receipt from
                  the Executive or the Executive's agent of written notice
                  specifying in reasonable detail the nature of the Company's
                  breach;

            (2)   The assignment to the Executive of any duties inconsistent in
                  any material respect with the Executive's position (including
                  any reduction of the Executive's status and reporting
                  requirements), authority, duties, powers or responsibilities
                  with the Company as contemplated by Section 2 of this
                  Agreement, or any other action by the Company, including the
                  removal of the Executive from or any failure to reelect or
                  reappoint the Executive to the office(s) specified in Section
                  2 or a commensurate office(s) (other than for Cause), which
                  results in a diminution of the Executive's authority, duties,
                  position, responsibilities or status, excluding for this
                  purpose any isolated, insubstantial and inadvertent action
                  respecting the Executive not taken in bad faith and which is
                  remedied by the Company within thirty (30) days after receipt
                  of written notice from the Executive to the Company;

            (3)   The Company's relocation of the Executive out of the Company's
                  principal executive offices or the relocation of the Company's
                  principal executive offices to a location outside the Erie,
                  Pennsylvania metropolitan area, except for required short-term
                  travel on the Company's behalf to the extent necessary for the
                  Executive to carry out his normal duties in the ordinary
                  course of business;

            (4)   The failure of the Company to obtain the assumption in writing
                  of its obligations to perform this Agreement by any successor
                  as provided in Section 14 hereof not less than

                                       5
<PAGE>
                  five days prior to a merger, consolidation or sale as
                  contemplated in Section 14; or

            (5)   A reduction in the overall level of compensation of the
                  Executive. For purposes of this subsection 5, the following
                  shall not constitute a reduction in the overall level of
                  compensation of the Executive: (i) changes in the cash/stock
                  mix of compensation payable to the Executive; (ii) a reduction
                  in the overall level of compensation of the Executive
                  resulting from the failure to achieve corporate, business unit
                  and/or individual performance goals established for purposes
                  of incentive compensation for any year or other period;
                  provided that the aggregate short-term incentive opportunity,
                  when combined with the Executive's base salary, provides, in
                  the aggregate, an opportunity for the Executive to realize at
                  least the same overall level of compensation as was paid in
                  the immediately prior year or period at target performance
                  levels; and provided, further, that such target performance
                  levels are reasonable at all times during the measurement
                  period, taking into account the fact that one of the purposes
                  of such compensation is to incent the Executive; (iii)
                  reductions in compensation resulting from changes to any Erie
                  Benefit Plan (provided that such changes are generally
                  applicable to all participants in such Erie Benefit Plan); and
                  (iv) any combination of the foregoing.

            (f) Disability. In the event that the Executive shall be unable to
      perform the Executive's duties hereunder on a full time basis for a period
      of one hundred-eighty (180) consecutive calendar days by reason of
      incapacity due to illness, accident or other physical or mental
      disability, then the Company may, at its discretion, terminate the
      Executive's employment hereunder if the Executive, within ten (10) days
      after receipt of written notice of termination (which notice may be given
      before or after the end of the entire 180 day period), shall not have
      returned to the performance of all of his duties hereunder on a full-time
      basis.

            (g) Death. The Executive's employment under this Agreement shall
      terminate upon the Executive's death.

            (h) Mutual Written Agreement. This Agreement and the Executive's
      employment hereunder may be terminated at any time by the mutual written
      agreement of the Executive and the Company.

      6. Compensation in the Event of Termination. In the event that the
Executive's employment hereunder terminates prior to the expiration of this
Agreement for any

                                       6
<PAGE>
reason provided in Section 5 hereof, the Company shall pay the
Executive, compensation and provide the Executive and the Executive's eligible
dependents with benefits as follows:

            (a) Executive's Nonreelection to Office; Termination By Company
      Without Cause; Termination By Executive for Good Reason. In the event that
      the Executive's employment hereunder is terminated: (i) because the
      Executive does not continue in office pursuant to Section 5(a) hereof; or
      (ii) by the Company without Cause pursuant to Section 5(b) hereof; or
      (iii) by the Executive for Good Reason pursuant to Section 5(e) hereof,
      then in any such event the Company shall pay or provide, as applicable,
      the following compensation and benefits to the Executive:

                  (1)   Three (3) times the following: (A) the highest annual
                        base salary paid or payable to the Executive in the then
                        current year or any one (1) of the three (3) calendar
                        years preceding Executive's termination of employment
                        hereunder; plus (B) an amount equal to the sum of the
                        Executive's highest award(s) under the Company's Annual
                        Incentive Plans for any one (1) of the three (3)
                        calendar years preceding the date of the termination of
                        Executive's employment hereunder (such total is referred
                        to herein as "Covered Compensation"). Such payment to
                        the Executive by the Company shall be paid in a lump sum
                        unless the Executive elects, and so notifies the Company
                        in writing prior to the termination of the Executive's
                        employment hereunder, to receive such payment in three
                        (3) equal annual installments. The lump sum or first
                        payment, as the case may be, shall be paid within sixty
                        (60) days after the date of the termination of the
                        Executive's employment hereunder;

                  (2)   Any awards or other compensation to which the Executive
                        is entitled under any of the Company's compensation
                        plans or Erie Benefit Plans to the extent not covered in
                        subsection (1) hereof;

                  (3)   Any award to which the Executive would be entitled under
                        the Company's Long-Term Incentive Plan as in effect on
                        December 16, 1997, calculated under the provision of
                        that Plan as if the Executive ceases to be an Employee
                        of the Company by reason of death, disability or normal
                        retirement;

                  (4)   Continuing coverage for all purposes (including
                        eligibility, coverage, vesting and benefit accruals, as
                        applicable), for a period of three (3) years after the
                        date of the termination of

                                       7

<PAGE>
                        Executive's employment hereunder, to the extent not
                        prohibited by law, for the Executive and the Executive's
                        eligible dependents under all of the Erie Benefit Plans
                        in effect and applicable to Executive and the
                        Executive's eligible dependents as of the date of
                        termination. In the event that the Executive and/or the
                        Executive's eligible dependents, because of the
                        Executive's terminated status, cannot be covered or
                        fully covered under any or all of the Erie Benefit
                        Plans, the Company shall continue to provide the
                        Executive and/or the Executive's eligible dependents
                        with the same level of such coverage in effect prior to
                        termination, payable from the general assets of the
                        Company if necessary. Notwithstanding the foregoing, the
                        Executive may elect (by giving written notice to the
                        Company prior to the termination of employment
                        hereunder), on a benefit by benefit basis, to receive in
                        lieu of continuing coverage, cash in an amount equal to
                        the present value (using a 6.5% discount rate over three
                        years) of the projected cost to the Company of providing
                        such benefit for such three year period. The aggregate
                        amount of cash to which the Executive is entitled
                        pursuant to the preceding sentence shall be payable by
                        the Company to the Executive within sixty (60) days
                        after the date of the termination of Executive's
                        employment hereunder; and

                  (5)   For a period of three (3) years after the date of the
                        termination of Executive's employment hereunder, such
                        perquisites as are made available to the Executive as of
                        the date of the termination of Executive's employment
                        hereunder.

The Executive's subsequent death, disability or attainment of age 65 or any
other age shall in no way affect or limit the Company's obligations under this
Section 6(a).

            (b) Termination By the Company for Cause. In the event that the
      Company shall terminate the Executive's employment hereunder for Cause
      pursuant to Section 5(d), this Agreement shall forthwith terminate and the
      obligations of the parties hereto shall be as set forth in Section 8
      hereof.

            (c) Termination by the Executive Without Good Reason. In the event
      that the Executive shall terminate employment hereunder other than for
      Good Reason pursuant to Section 5(c), this Agreement shall forthwith
      terminate and the obligations of the parties hereto shall be as set forth
      in Section 8 hereof.

            (d) Disability. In the event that the Company elects to terminate
      the Executive's employment hereunder pursuant to Section 5(f), the
      Executive shall

                                       8
<PAGE>
      continue to receive from the date of such termination through the
      expiration date of this Agreement, sixty percent (60%) of the then current
      annual base salary to which the Executive was entitled pursuant to Section
      3(a) hereof immediately preceding such termination, in accordance with the
      payroll practices of the Company for senior executive officers, reduced,
      however, by the amount of any proceeds from Social Security and disability
      insurance policies provided by and at the expense of the Company.

            (e) Death. In the event of the death of the Executive during the
      term of this Agreement, the then current annual base salary to which the
      Executive was entitled pursuant to Section 3(a) hereof immediately
      preceding the Executive's death shall be paid, in twelve (12) equal
      monthly installments following the date of death, to the last beneficiary
      designated by the Executive under the Company's group life insurance
      policy maintained by the Company or such other written designation
      expressly provided to the Company for the purposes hereof or, failing
      either such designation, to the Executive's estate.

            (f) Mutual Written Consent. In the event that the Executive and the
      Company shall terminate the Executive's employment by mutual written
      agreement, the Company shall pay such compensation and provide such
      benefits, if any, as the parties may mutually agree upon in writing.

The Executive shall not be required to mitigate the amount of any payment
provided for in this Section 6 by seeking employment or otherwise, nor shall any
amounts received from employment or otherwise by the Executive offset in any
manner the obligations of the Company hereunder except as specifically provided
in Section 6(d) hereof.

      7. Certain Additional Payments by the Company. Notwithstanding anything in
this Agreement to the contrary, in the event it is determined that any payment
or distribution by the Company to or for the benefit of the Executive, whether
paid or payable or distributed or distributable pursuant to the terms of this
Agreement or otherwise (a "Payment"), is subject to the excise tax imposed by
Section 4999 of the Internal Revenue Code of 1986, as amended (the "Code"), or
any successor provision, on excess parachute payments, as that term is used and
defined in Sections 4999 and 280G of the Code, then the Executive shall be
entitled to receive an additional payment (a "Gross-Up Payment") in an amount
equal to the then current rate of tax under said Section 4999 multiplied by the
total of the amounts so paid or payable, including the Gross-Up Payment, which
are deemed to be a part of an excess parachute payment.

      8. Effect of Expiration of Agreement or Termination of Executive's
Employment. Upon the expiration of this Agreement by its terms or the
termination of the Executive's employment hereunder, neither the Company nor the
Executive shall have any remaining duties or obligations hereunder except that:

            (a) The Company shall:

                  (1)   Pay the Executive's accrued salary and any other accrued
                        benefits under Sections 3(a), (b), and (c) hereof;

                                       9
<PAGE>
                  (2)   Reimburse the Executive for expenses already incurred in
                        accordance with Section 3(e) hereof;

                  (3)   Pay or otherwise provide for any benefits, payments or
                        continuation or conversion rights in accordance with the
                        provisions of any Erie Benefit Plan of which the
                        Executive or any of the Executive's dependents is or was
                        a participant or as otherwise required by law;

                  (4)   Pay the Executive and the Executive's beneficiaries any
                        compensation and/or provide the Executive or the
                        Executive's eligible dependents any benefits, as the
                        case may be, due pursuant to Section 6 or Section 7
                        hereof; and

                  (5)   Unless the employment of the Executive is terminated by
                        the Company for Cause, pay the Executive or the
                        Executive's beneficiaries the full amount or amounts
                        accrued under the Supplemental Executive Retirement Plan
                        of the Company (the "SERP") as in effect on the
                        Effective Date (or as such benefits may be enhanced by
                        subsequent amendments or supplements to such SERP), as
                        though, solely for purposes of determining any otherwise
                        applicable actuarial reduction factors, the event of the
                        termination of Executive's employment hereunder or
                        expiration of this Agreement occurred on the Executive's
                        Normal Retirement Date as defined in such SERP. Accrued
                        benefits under the SERP shall be fully vested and
                        nonforfeitable upon such termination (including
                        termination on account of the Executive's death) or
                        expiration. Any reductions in SERP benefits that would
                        otherwise apply pursuant to Section 10.1 of the
                        Company's Retirement Plan for Employees (or pursuant to
                        any successor provision of such plan or any successor
                        plan) relating to Section 415(b) of the Code shall not
                        be applicable for purposes hereof. No further approval
                        by the Board of Directors or the Committee with respect
                        to payments under the SERP in accordance with the
                        preceding sentences shall be required. Unreduced
                        payments may begin at age 55, but in no event would
                        payments be made under this Section 8(a)(5) before the
                        Executive reaches age fifty-five (55). The Company shall
                        purchase for the Executive, naming the Executive and/or
                        the Executive's designee the owner, a paid up annuity,
                        from an insurer reasonably acceptable to the Executive
                        but in any event having an A.M. Best rating of A+ or
                        better (or other comparable rating), that will pay to
                        the Executive an amount equal to the benefit to which
                        the Executive would

                                       10
<PAGE>
                        otherwise be entitled under the SERP and payable at the
                        times such SERP benefit would be payable in accordance
                        with the provisions hereof. Upon the purchase and
                        delivery to the Executive of such an annuity, the
                        Executive shall release the Company from any further
                        obligation under the SERP. The Company further agrees to
                        pay the Executive immediately upon termination, a cash
                        payment (the "Tax Gross-up") equal to the sum of the
                        following: (i) all taxes (federal, state, local, and
                        payroll taxes) incurred and due and owing by the
                        Executive, arising from the cost of the annuity
                        purchased by the Company to meet the requirements of
                        this Section 8(a)(5), and (ii) any such taxes incurred
                        and due and owing with respect to the amount paid in
                        (i).

                  (6)   Continue to remain bound by the terms of Section 12
                        hereof.

            (b) The Executive shall remain bound by the terms of Sections 9 and
      13 hereof for a period of thirty six (36) months after the expiration of
      the Agreement by its terms; provided, that the Executive shall not be
      bound by the terms of Section 9(b) after the termination of employment
      (other than a termination of the Executive by the Company for Cause) if
      such termination occurs after the expiration of this Agreement by its
      terms.

      9. Covenants as to Confidential Information and Competitive Conduct. The
Executive hereby acknowledges and agrees as follows: (i) this Section 9 is
necessary for the protection of the legitimate business interests of the
Company, (ii) the restrictions contained in this Section 9 with regard to
geographical scope, length of term and types of restricted activities are
reasonable; (iii) the Executive has received adequate and valuable new
consideration for entering into this Agreement, and (iv) the Executive's
expertise and capabilities are such that this obligation hereunder and the
enforcement hereof by injunction or otherwise will not adversely affect the
Executive's ability to earn a livelihood.

            (a) Confidentiality of Information and Nondisclosure. The Executive
      acknowledges and agrees that the Executive's employment by the Company
      under this Agreement necessarily involves knowledge of and access to
      confidential and proprietary information pertaining to the business of the
      Company and its subsidiaries. Accordingly, the Executive agrees that at
      all times during the term of this Agreement and at any time thereafter,
      the Executive will not, directly or indirectly, without the express
      written approval of the Company, unless directed by applicable legal
      authority (including any court of competent jurisdiction, governmental
      agency having supervisory authority over the business of the Company or
      the subsidiaries, or any legislative or administrative body having
      supervisory authority over the business of the Company or its
      subsidiaries) having jurisdiction over the Executive, disclose to or use,
      or knowingly permit to be so

                                       11
<PAGE>
      disclosed or used, for the benefit of himself, any person, corporation or
      other entity other than the Company, (i) any information concerning any
      financial matters, customer relationships, competitive status, supplier
      matters, internal organizational matters, current or future plans, or
      other business affairs of or relating to the Company or its subsidiaries,
      (ii) any management, operational, trade, technical or other secrets or any
      other proprietary information or other data of the Company or its
      subsidiaries, or (iii) any other information related to the Company or its
      subsidiaries or which the Executive should reasonably believe will be
      damaging to the Company or its subsidiaries which has not been published
      and is not generally known outside of the Company. The Executive
      acknowledges that all of the foregoing constitutes confidential and
      proprietary information, which is the exclusive property of the Company.

            (b) Restrictive Covenant. During the term of, and for a period of
      one (1) year (the "Restrictive Period") after the termination of the
      Executive's employment hereunder for any reason (other than a termination
      of the Executive hereunder pursuant to Section 5(a), 5(b) or 5(e),
      hereof), the Executive shall not render, directly, or indirectly, services
      to any person, firm, corporation, association or other entity which
      conducts the same or similar business as the Company or its subsidiaries
      at the date of the Executive's termination of employment hereunder within
      the states in which the Company or any of its subsidiaries is then
      licensed and doing business at the date of the Executive's termination of
      employment hereunder without the prior written consent of the Board of
      Directors, which may be withheld in its discretion. In the event the
      Executive violates any of the provisions contained in this Section 9(b)
      hereof, the Restrictive Period shall be increased by the period of time
      from the commencement by the Executive of any violation until such
      violation has been cured to the satisfaction of the Company. The Executive
      further agrees that at no time during the Restrictive Period will the
      Executive attempt to directly or indirectly solicit or hire employees of
      Company or its subsidiaries or induce any of them to terminate their
      employment with the Company or any of the subsidiaries. Notwithstanding
      the foregoing, the performance by the Executive of rights and duties under
      an agency agreement with the Company shall not constitute a breach of this
      Section 9(b).

            (c) Company Remedies. The Executive acknowledges and agrees that any
      breach of this Section 9 will result in immediate and irreparable harm to
      the Company, and that the Company cannot be reasonably or adequately
      compensated by damages in an action at law. In the event of a breach by
      the Executive of the provisions of this Section 9, the Company shall be
      entitled, to the extent permitted by law, immediately to cease to pay or
      provide the Executive or the Executive's dependents any compensation or
      benefit being, or to be, paid or provided to the Executive pursuant to
      Section 3, Section 6 or Section 8 of this Agreement, and also to obtain
      immediate injunctive relief restraining the Executive from conduct in
      breach of the covenants contained in this Section 9. Nothing herein shall
      be construed as prohibiting the Company from pursuing any

                                       12
<PAGE>
      other remedies available to it for such breach, including the recovery of
      damages from the Executive.

      10. Resolution of Differences Over Breaches of Agreement. Except as
otherwise provided herein, in the event of any controversy, dispute or claim
arising out of, or relating to, this Agreement, or the breach thereof, or
arising out of any other matter relating to the Executive's employment with the
Company, the parties may seek recourse only for temporary or preliminary
injunctive relief to the courts having jurisdiction thereof and if any relief
other than injunctive relief is sought, the Company and the Executive agree that
such underlying controversy, dispute or claim shall be settled by arbitration
conducted in Erie, Pennsylvania in accordance with this Section 10 and the
Commercial Arbitration Rules of the American Arbitration Association ("AAA").
The matter shall be heard and decided, and awards rendered by a panel of three
(3) arbitrators (the "Arbitration Panel"). The Company and the Executive shall
each select one arbitrator from the AAA National Panel of Commercial Arbitrators
(the "Commercial Panel") and AAA shall select a third arbitrator from the
Commercial Panel. The award rendered by the Arbitration Panel shall be final and
binding as between the parties hereto and their heirs, executors,
administrators, successors and assigns, and judgment on the award may be entered
by any court having jurisdiction thereof. Except as provided in Section 11
hereof, each party shall bear sole responsibility for all expenses and costs
incurred by such party in connection with the resolution of any controversy,
dispute or claim in accordance with this Section 10.

      11. Payment of Executive's Legal Fees. If the Executive is required to
bring any action to enforce rights or to collect moneys due under this
Agreement, the Company shall pay to the Executive the fees and expenses incurred
by the Executive in bringing and pursuing such action if the Executive is
successful, in whole or in part, on the merits or otherwise (including by way of
a settlement involving a payment of money by the Company to the Executive), in
such action. The Company shall pay such fees and expenses in advance of the
final disposition of such action upon receipt of an undertaking from the
Executive to repay to the Company such advances if the Executive is not
ultimately successful, in whole or in part, on the merits or otherwise, in such
action.

      12. Severance Pay upon Termination of Employment after Expiration of the
Agreement. Notwithstanding the expiration of this Agreement by its terms and
notwithstanding the terms of any corporate severance policy then in effect and
applicable to the Executive, if the employment of the Executive is terminated
without Cause by the Company, by the Executive for Good Reason or upon the
expiration of the term of the office(s) to which the Executive has been elected
or appointed as set forth in Section 1 hereof (for reasons other than for
Cause), in any case, within thirty-six (36) months after the expiration of this
Agreement by its terms, then (i) the Company shall pay to the Executive
severance compensation in an amount equal to two (2) times the Executive's
Covered Compensation as determined on the date of such termination, and (ii) the
Executive and the Executive's eligible dependents shall be entitled to
continuing coverage under the Company's then-existing group health plans
(including medical, dental, prescription drug and vision plans, if any) for a
period of two (2) years after the date of the termination of the Executive's
employment, to the extent not prohibited by law and subject to the terms of such
plans including provisions as to deductibles and copayments and changes in
levels of coverage

                                       13
<PAGE>
that are generally applicable to employees. The payment to the Executive by the
Company pursuant to subsection (i) of the preceding sentence shall be paid in a
lump sum unless the Executive elects, and so notifies the Company in writing
prior to the Executive's termination of employment, to receive such payment in
two (2) equal annual installments. The lump sum or first payment, as the case
may be, shall be paid within thirty (30) days after the date of termination of
the Executive's employment.

      13. Release. The Executive hereby acknowledges and agrees that neither the
Company nor any of its representatives or agents will be obligated to pay any
compensation or benefit which the Executive has a right to be paid or provided
to the Executive or the Executive's dependents pursuant to Section 6, Section 8
or Section 12 of this Agreement, unless the Executive, if requested by the
Company in its sole discretion, executes a release in a form reasonably
acceptable to the Company, which releases any and all claims the Executive has
or may have against the Company or its subsidiaries, agents, officers,
directors, successors or assigns.

      14. Waiver. The waiver by a party hereto of any breach by the other party
hereto of any provision of this Agreement shall not operate or be construed as a
waiver of any other or subsequent breach by a party hereto.

      15. Assignment. This Agreement shall be binding upon and inure to the
benefit of the successors and assigns of the Company, and the Company shall be
obligated to require any successor to expressly acknowledge and assume its
obligations hereunder. This Agreement shall inure to the extent provided
hereunder to the benefit of and be enforceable by the Executive or the
Executive's legal representatives, executors, administrators, successors, heirs,
distributees, devisees and legatees. The Executive may not delegate any of the
Executive's duties, responsibilities, obligations or positions hereunder to any
person and any such purported delegation shall be void and of no force and
effect.

      16. Notices. Any notices required or permitted to be given under this
Agreement shall be sufficient if in writing, and if personally delivered or when
sent by first class certified or registered mail, postage prepaid, return
receipt requested--in the case of the Executive, to his residence address as set
forth below, and in the case of the Company, to the address of its principal
place of business as set forth below, to the attention of the Chairman of the
Board, or in case the Executive is the Chairman of the Board, to the Chairman of
the Compensation Committee of the Board -- or to such other person or at such
other address with respect to each party as such party shall notify the other in
writing.

      17. Construction of Agreement.

            (a) Governing Law. This Agreement shall be governed by and construed
      under the laws of the Commonwealth of Pennsylvania.

            (b) Severability. In the event that any one or more of the
      provisions of this Agreement shall be held to be invalid, illegal or
      unenforceable, the validity, legality or enforceability of the remaining
      provisions shall not in any way be affected or impaired thereby.

                                       14
<PAGE>
            (c) Headings. The descriptive headings of the several paragraphs of
      this Agreement are inserted for convenience of reference only and shall
      not constitute a part of this Agreement.

      18. Entire Agreement. This Agreement contains the entire agreement of the
parties concerning the Executive's employment and all promises, representations,
understandings, arrangements and prior agreements on such subject are merged
herein and superseded hereby, including the Employment Agreement effective
November 20, 1995 which is expressly superseded hereby. The provisions of this
Agreement may not be amended, modified, repealed, waived, extended or discharged
except by an agreement in writing signed by the party against whom enforcement
of any amendment, modification, repeal, waiver, extension or discharge is
sought. No person acting other than pursuant to a resolution of the Board of
Directors or the Committee shall have authority on behalf of the Company to
agree to amend, modify, repeal, waive, extend or discharge any provision of this
Agreement or anything in reference thereto or to exercise any of the Company's
rights to terminate or to fail to extend this Agreement.

                                       15
<PAGE>
IN WITNESS WHEREOF, the Company has caused this Agreement to be executed by its
officers thereunto duly authorized, and the Executive has hereunto set his hand
all as of the day and year first above written.

ATTEST:                                 ERIE INDEMNITY COMPANY

/s/ J.R. Van Gorder                     /s/ F. William Hirt
---------------------------             -------------------------------
J.R. Van Gorder                         F. William Hirt
Secretary                               Chairman of the Board

WITNESS:

/s/ Debra J. Miller                     /s/ Jeffrey A. Ludrof
---------------------------             -------------------------------
Debra J. Miller                         Jeffrey A. Ludrof
                                        5700 Stoneridge Drive
                                        Fairview, PA  16415

                                       16

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