Document:

Exhibit 10.1

    
      

    

    RETENTION
      AGREEMENT

    

    This
      Agreement between Bruce W. Marlow (“you”) and 21st Century Insurance Group and
      its subsidiary, 21st Century Insurance Company (hereinafter collectively
      referred to as the “Company”) has been entered into as of September 14, 2005,
      (the “Effective Date”). This Agreement promises you severance benefits if you
      are terminated without Cause or resign for Good Reason during the Term of this
      Agreement. Capitalized terms are defined in the last section of this
      Agreement.

     

    
      	
              1.

            	
              Purpose

            

    

    

    The
      Company considers a sound and vital management team to be essential. Management
      personnel who become concerned about the possibility that the Company may
      undergo substantial or adverse changes may terminate employment or become
      distracted. Accordingly, the Board has determined that appropriate steps should
      be taken to minimize the distraction or concerns executives may suffer from
      the
      possibility of such events or business conditions. One step is to enter into
      this Agreement with you.

     

    
      	
              2.

            	
              Events
                That Trigger Severance
                Benefits

            

    

     

    
      	
              (a)

            	
              Termination
                

            

    

    

    You
      will
      receive Severance Benefits under this Agreement if, during the Term of this
      Agreement, your employment is terminated by the Company without Cause or you
      resign for Good Reason.

    

    Your
      Severance Benefits under this Agreement will continue to apply if you are
      transferred to an Affiliate of the Company and you are terminated by such
      Affiliate without Cause or you resign from such Affiliate for Good
      Reason.

     

    
      	
              (b)

            	
              Successor
                Fails to Assume This Agreement

            

    

    

    You
      also
      will receive Severance Benefits under this Agreement if, during the Term of
      this
      Agreement, a successor to the Company or Affiliate to which you are transferred
      fails to assume this Agreement.

     

    
      	
              3.

            	
              Events
                That Do Not Trigger Severance
                Benefits

            

    

    

    You
      will
      not be entitled to Severance Benefits if your employment ends because you are
      terminated for Cause or on account of Disability or because you resign without
      Good Reason, retire, or die. Except as provided in Section 2(b), you will not
      be
      entitled to Severance Benefits while you remain protected by this Agreement
      and
      remain employed by the Company, its Affiliates, or their
      successors.

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    
      	
              4.

            	
              Termination
                Procedures

            

    

    

    If
      you
      are terminated by the Company during the Term of this Agreement, you will
      receive advance written notice of your termination (“Termination Notice”). This
      Termination Notice will be given to you at least 30 days in advance, unless
      you
      are being terminated for Cause. The Termination Notice will indicate why you
      are
      being terminated and will set forth in reasonable detail the facts and
      circumstances claimed to provide a basis for your termination. If you are being
      terminated for Cause, your Termination Notice will include a copy of a
      resolution duly adopted by the affirmative vote of not less than three-quarters
      of the entire membership of the Board (at a meeting of the Board called and
      held
      for the purpose of considering your termination and after reasonable notice
      to
      you and an opportunity for you and your counsel to be heard before the Board)
      finding that Cause for your termination exists and specifying the basis for
      that
      opinion in detail. If you are purportedly terminated without the Termination
      Notice required by this Section, your termination shall not be effective. In
      the
      event you resign for what you believe to be Good Reason, the Company shall
      provide written notice within thirty days of receipt of your notice confirming
      your eligibility for severance benefits under this Agreement or its reasons
      for
      denying such eligibility. 

    

    
      	
              5.

            	
              Severance
                Benefits

            

    

     

    
      	
              (a)

            	
              In
                General

            

    

    

    If
      you
      become entitled to Severance Benefits under this Agreement, you will receive
      all
      of the Severance Benefits described in this Section. Severance Benefits payable
      to you following your termination of employment will be paid only if you deliver
      to the Company your executed general and special release (The “Release”, the
      form of which is attached as Exhibit A) of all claims you may have against
      the
      Company, its Affiliates and directors, officers, employees and others specified
      in the Release, relating to your termination of employment, other than claims
      for failure to fulfill obligations created by the Agreement, indemnification
      and
      defense cost adjustment rights, pension plan and supplemental executive
      retirement plans, 401(k) plans and supplemental 401(k) plans, stock option
      and
      restricted stock plans, or under any other employee benefit or vacation programs
      of the Company to which you are entitled (collectively, “Exempted Claims”). To
      satisfy the release requirement in this subsection, (1) you must sign the
      release after your employment ends, (2) you must deliver the signed release
      to
      the Company within 45 days after your employment ends, (3) you must not revoke
      the release during its seven-day revocation period, and (4) prior to the
      expiration of that revocation period and after the Company has rejected them,
      you must not have continued to assert any material claim that release would
      waive other than an Exempted Claim. 

     

    
      	
              (b)

            	
              Lump-Sum
                Payment in Lieu of Future
                Compensation

            

    

    

    In
      lieu
      of any further cash compensation for periods after your employment ends, you
      will be paid a cash lump sum equal to 3.5 times your annual base salary in
      effect immediately before any Notice of Termination or Good Reason event for
      which you terminate employment. 

     

    
      
        
        

      

      
        2

        
          

        

      

      
        
        

      

    

     

    
      	
              (c)

            	
              Vesting
                of Stock Options and Waiver of 90 Day Post-Termination Expiration
                Provision 

            

    

    

    Notwithstanding
      any provision to the contrary, if you become entitled to Severance Benefits
      under this Agreement, the Company agrees that any unvested stock option grants
      outstanding shall become immediately vested on the date your employment ends
      and
      that, solely for those vested and unvested options which are not “in the money”
on the Effective Date of this Agreement, the Company shall waive any requirement
      that vested options be exercised within 90 days of termination of employment
      and
      allow such options to be exercisable for their full remaining term, subject
      to a
      maximum of five years from the date of termination of your employment.

    

    
      	
              (d)

            	
              Group
                Insurance Benefit Continuation

            

    

    

    From
      the
      date of your separation from the Company due to a Termination Without Cause
      or your Resignation for Good Reason until the end of the 30th
      calendar month beginning after your separation from the
      Company ("Coverage Period"), the Company will arrange commercial
      health care coverage if available and reasonably priced for you and
      your family (which is comparable to the Company health benefits
      provided to you and your family immediately prior to your separation from
      the Company).  Alternatively, if this is not available, the
      Company will provide you and your family COBRA continuation coverage (or
      its equivalent) under the Company's health plans during the Coverage
      Period.  In either case, you must pay the premiums
      for the health care coverage, but the Company shall
      reimburse you for those premiums, with the first reimbursement being made seven
      months after your separation from the Company for the premiums you have
      theretofore paid and the balance of the reimbursements being made promptly
      after you pay the premiums. 

    

    
      	
              6.

            	
              Golden
                Parachute Limitation

            

    

    

    Your
      aggregate payments and benefits under this Agreement and all other contracts,
      arrangements, or programs shall not exceed the maximum amount that may be paid
      without triggering golden parachute penalties under Section 280G and related
      provisions of the Internal Revenue Code, as determined in good faith by the
      Company’s independent auditors. If your benefits must be cut back to avoid
      triggering such penalties, your benefits will be cut back in the priority order
      you designate or, if you fail to designate an order within a reasonable time
      specified by the Company, in the priority order designated by the Company.
      You
      and the Company agree to cooperate with each other reasonably in connection
      with
      any administrative or judicial proceedings concerning the existence or amount
      of
      golden parachute penalties on payments or benefits you receive. You and the
      Company shall take any reasonable steps necessary to preclude golden parachute
      penalties from being imposed on you. The Company will pay your reasonable
      expenses incurred in seeking to prevent golden parachute penalties from being
      imposed on you and will gross you up on all taxes on such payments, including
      taxes on the gross up payment. If you have taken all reasonable steps necessary
      to preclude golden parachute penalties from being imposed on you, but the effort
      to avoid golden parachute penalties ultimately fails, the Company will pay
      those
      penalties on a fully tax-grossed up basis. 

    
      
        
        

      

      
        3

        
          

        

      

      
        
        

      

    

    
      	
              7.

            	
              Time
                for Payment

            

    

    

    You
      will
      be paid your cash Severance Benefits within 5 days after the six-month
      anniversary of the date of your termination of employment, or, if later, the
      date specified in the Separation Agreement and General and Special Release
      of
      Claims Agreement executed in connection with this Agreement. 

     

    
      	
              8.

            	
              Payment
                Explanation

            

    

    

    Within
      30
      days of your separation from the Company, and assuming benefits are due under
      this Agreement, the Company will provide you with a written schedule of payments
      to be made and a written statement explaining how your payments were calculated.
      This statement will include any opinions or other advice the Company has
      received from auditors or consultants as to the calculation of your benefits.
      

     

    
      	
              9.

            	
              Relation
                to Other Severance
                Programs

            

    

    

    Your
      Severance Benefits under this Agreement are in lieu of and supercede any
      severance or similar benefits that may be payable to you under any other
      employment agreement or other arrangement, other than any benefits payable
      under
      the Executive Severance Plan as it exists on the date hereof (the “Executive
      Severance Plan”) and the Supplemental Executive Retirement Plan which may be
      payable following a change in control of the Company. In the event you are
      terminated or resign after a change in control under circumstances which entitle
      you to benefits under the Executive Severance Plan, you shall be entitled to
      receive the benefits payable under the Executive Severance Plan (subject to
      all
      the terms and limitations thereof) and you shall not be entitled to any
      Severance Benefits under this Agreement if you in fact receive the severance
      benefits to which you are entitled under the Executive Severance Plan. Nothing
      in this Agreement shall be deemed to affect your entitlement to benefits payable
      under the Supplemental Executive Retirement Plan. Subject to the foregoing,
      this
      Agreement constitutes the entire agreement between you and the Company and
      its
      Affiliates with respect to severance benefits.

     

    
      	
              10.

            	
              Amendments

            

    

    

    This
      Agreement may be modified only by a written agreement executed by you and the
      general counsel of the Company that is approved by the Board of Directors of
      the
      Company or the Compensation Committee thereof.

     

    
      
        
        

      

      
        4

        
          

        

      

      
        
        

      

    

     

    
      	
              11.

            	
              Governing
                Law

            

    

    

    This
      Agreement creates a “top hat” employee benefit plan subject to the Employee
      Retirement Income Security Act of 1974, and it shall be interpreted,
      administered, and enforced in accordance with that law; the Company is the
“plan
      administrator.” To the extent that state law is applicable, the statutes and
      common law of the State of California, excluding any that mandate the use of
      another jurisdiction’s laws, shall apply.

     

    
      	
              12.

            	
              Claims

            

    

     

    
      	
              (a)

            	
              When
                Required; Attorneys’ Fees

            

    

    

    You
      do
      not need to present a formal claim to receive benefits payable under this
      Agreement. However, if you believe that your rights under this Agreement are
      being violated, you must file a formal claim with the Company (for the purposes
      of this Section 12, 21st Century Insurance Group) in accordance with the
      procedures set forth in this Section. If the claim cannot be resolved under
      these administrative procedures, the Company will pay you ten (10) percent
      per
      annum simple interest on all payments ultimately determined to have not been
      timely made. In addition, the Company shall upon presentation of appropriate
      commercial vouchers pay all legal expenses which include all reasonable
      attorneys’ fees and related costs and expenses in connection with enforcing your
      rights under this Agreement, including negotiating or settling any claim,
      subject to your obligation to promptly repay (within 90 days after demand
      therefore) all such fees costs and expenses if you do not ultimately prevail
      and
      it is determined that you were not acting in good faith.

     

    
      	
              (b)

            	
              Initial
                Claim

            

    

    

    Your
      claim must be presented to the Company in writing within 60 days after you
      receive written notice of a denial of benefits. Within 30 days after receiving
      the claim, a claims official appointed by the Company will consider your claim
      and issue his or her determination thereon in writing. The claims official
      may
      extend the determination period for up to an additional 45 days by giving you
      written notice. With your written consent, the initial claim determination
      period can be extended further. 

    
      
        
        

      

      
        5

        
          

        

      

      
        
        

      

    

    
      	
              (c)

            	
              Claim
                Decision

            

    

    

    If
      your
      claim is granted, the benefits or relief you are seeking will be provided.
      If
      your claim is wholly or partially denied, the claims official shall, within
      30
      days (or an extended period, as described in subsection (b) above), provide
      you
      with written notice of the denial, setting forth, in a manner calculated to
      be
      understood by you: (i) the specific reason or reasons for the denial; (ii)
      specific references to the provisions on which the denial is based; (iii) a
      description of any additional material or information necessary for you to
      perfect your claim, together with an explanation of why the material or
      information is necessary; and (iv) an explanation of the procedures for
      appealing denied claims. If the claims official has failed to respond to your
      claim within 30 days of your delivery of the claim to the Company plus any
      extended period provided in subsection (b) above, you may treat the claim as
      having been denied by the claims official.

    

    
      	
              (d)

            	
              Appeal
                of Denied Claims

            

    

    

    You
      may
      appeal the claims official’s denial of your claim in writing to an appeals
      official designated by the Company (which may be a person, committee, or other
      entity) for a full and fair appeal. In connection with the appeals proceeding,
      you (or your duly authorized representative) may review pertinent documents
      and
      may submit issues and comments in writing.

     

    
      	
              (e)

            	
              Appeal
                Decision

            

    

    

    The
      decision by the appeals official will be made within 30 days after your appeal
      request, unless special circumstances require an extension of time, in which
      case the decision will be rendered as soon as possible, but not later than
      60days after your appeal request, unless you agree in writing to a greater
      extension of that deadline. The appeal decision will be in writing, set forth
      in
      a manner calculated to be understood by you; it will include specific reasons
      for the decision, as well as specific references to the pertinent provisions
      of
      this Agreement on which the decision is based. If you do not receive the appeal
      decision by the date it is due, you may deem your appeal to have been
      denied.

     

    
      	
              (f)

            	
              Procedures

            

    

    

    The
      Company will adopt procedures by which initial claims and appeals will be
      considered and resolved; different procedures may be established for different
      claims. All procedures will be designed to afford you full and fair
      consideration of your claim. Notwithstanding anything in this Section 12 to
      the
      contrary, claims and appeals shall be resolved through procedures that comply
      with applicable Department of Labor regulations as then in effect.

    

    
      	
              (g)

            	
              Remedies

            

    

    

    Nothing
      in this section or the Agreement shall be construed as a waiver of your right
      to
      pursue any and all legal and/or equitable remedies to recover severance benefits
      denied to you by the Company. The Company agrees to toll any applicable
      statute(s) of limitation for the duration of the claim and appeal process
      described by this section such that any applicable statute(s) of limitation
      shall run from the date you receive the decision by the appeals official as
      set
      forth in this Section 12.

    
      
        
        

      

      
        6

        
          

        

      

      
        
        

      

    

    
      	
              13.

            	
              Limitation
                on Employee Rights

            

    

    

    This
      Agreement does not give you the right to be retained in the service of the
      Company.

     

    
      	
              14.

            	
              Validity

            

    

    

    The
      invalidity or unenforceability of any provision of this Agreement shall not
      affect the validity or enforceability of any other provision of this
      Agreement.

     

    
      	
              15.

            	
              Counterparts

            

    

    

    This
      Agreement may be executed in several counterparts, each of which will be deemed
      an original, but all of which will constitute one and the same
      instrument.

     

    
      	
              16.

            	
              Giving
                Notice

            

    

     

    
      	
              (a)

            	
              To
                the Company

            

    

    

    All
      communications from you to the Company relating to this Agreement must be sent
      to the Company in writing, addressed as follows (or in any other manner the
      Company notifies you to use):

    

    
      	 	
              If
                Mailed

            	
              21st
                Century Insurance Group 

            

    

    
      	 	 	
              Attention:
                Michael J. Cassanego, Senior Vice 

            

    

    
      	 	 	
              President,
                Secretary & General Counsel

            

    

    
      	 	 	
              6301
                Owensmouth Ave. 

            

    

    
      	 	 	
              Woodland
                Hills CA 91367

            

    

    

    
      	 	
              If
                Faxed

            	
              21st
                Century Insurance Group

            

    

    
      	 	 	
              Attention:
                Michael J. Cassanego, Senior Vice 

            

    

    
      	 	 	
              President,
                Secretary & General Counsel

            

    

    
      
        	 	 	
                Fax:
                  818 704-3737 Tel.: 818 704-3665

              

      

      
         

        
          	
                  (b)

                	
                  To
                    You

                

        

         

      

      
        	 	 	Mr. Bruce W. Marlow

        	 	 	 

      

    

    _______________________________________

    

    ________________________________________

     

    All
      communications from the Company to you relating to this Agreement must be sent
      to you in writing at the above address, and, during your employment with the
      Company, your office address with the Company.

     

    
      
        
        

      

      
        7

        
          

        

      

      
        
        

      

    

     

    
      	
              17.

            	
              Definitions

            

    

    

    
      	
              (a)

            	
              Affiliate

            

    

    

    Any
      company or entity that, directly or indirectly through one or more
      intermediaries, controls the Company, is controlled by Company or is under
      common control with Company. 

    

    
      	
              (b)

            	
              Agreement

            

    

    

    “Agreement”
      means this contract, as amended.

     

    
      	
              (c)

            	
              Board

            

    

    

    “Board”
      means the Board of Directors of the 21st Century Insurance Group.

     

    
      	
              (d)

            	
              Cause

            

    

    

    “Cause”
      means any of the following:

     

    
      
        	 	
                (1)

              	
                Willful
                  Failure to Perform Duties.
                  You continue willfully to fail to perform your duties for the Company
                  after a written demand for performance has been delivered to you
                  by the
                  Board that specifically identifies how you have failed to perform.
                  Your
                  conduct will not be considered “willful” if a reasonable person would
                  believe that you were acting in the best interests of the Company,
                  you
                  believed the action you were requested to perform was unlawful
                  or
                  unethical, or if your failure to perform was caused by your physical
                  or
                  mental illness. You may not be terminated for Cause under this
                  paragraph
                  after you have properly notified the Company that you are resigning
                  for
                  Good Reason.

              

      

      
        	 	 	 

      

    

    
      
        	 	
                (2)

              	
                Willful
                  Adverse Conduct.
                  You willfully engage in conduct that is demonstrably and materially
                  injurious to the Company or its Affiliates, monetarily or otherwise.
                  Your
                  conduct will not be considered “willful” if you believed in good faith
                  that you were acting in the best interests of the Company and such
                  belief
                  was reasonable.
                  Reporting a violation of Federal, State or Local law or regulation
                  or
                  taking action necessary to comply with such laws and regulations
                  shall not
                  be considered willfully adverse conduct as long as you are acting
                  in good
                  faith in making such report or complying with such laws.
                  

              

      

      
        	 	 	 

      

    

    
      	 	
              (3)

            	
              Disability.

            

    

    

    
      	
              (e)

            	
              Company

            

    

    

    “Company”
      means 21st Century Insurance Group and 21st Century Insurance Company and any
      successor to the business or assets of either that (by operation of law, or
      otherwise) assumes and agrees to perform this Agreement. The liability of each
      such Company hereunder shall be joint and several. 

     

    
      
        
        

      

      
        8

        
          

        

      

      
        
        

      

    

     

    
      	
              (f)

            	
              Disability

            

    

    

    “Disability”
      means that, due to physical or mental disability: (i) you have been unable
      to
      perform the essential functions of your job, with or without a reasonable
      accommodation, for substantially all of a period of 6 consecutive months; (ii)
      the Company has notified you that it intends to terminate your employment
      because of your inability to perform the essential functions of your job, with
      or without a reasonable accommodation; and (iii) you do not resume the
      performance of the essential functions of your job, with or without a reasonable
      accommodation, within 30 days after receiving notice of your intended
      termination on account of your inability to perform the essential functions
      of
      your job, with or without a reasonable accommodation. 

     

    
      	
              (g)

            	
              Good
                Reason

            

    

    

    “Good
      Reason” means the occurrence of any of the following without your express
      written consent:

     

    
      
        	 	
                (1)

              	
                Breach
                  of Promise.
                  The Company has
                  committed a material breach of its obligations under this Agreement.
                  

              

      

      
        	 	 	 

      

    

    
      
        	 	
                (2)

              	
                Improper
                  Termination.
                  You are purportedly terminated, other than pursuant to a Termination
                  Notice satisfying the requirements of Section
                  4.

              

      

      
        	 	 	 

      

    

    
      	 	
              (3)

            	
              Constructive
                Termination. 
                You are constructively terminated by the Company, as reasonably determined
                by you in good faith, by reason of Company, Board or controlling
                shareholder actions that (i) reduce your base compensation or benefits
                by
                more than 5% in any 12 month period, or (ii) reduce by more than
                25% your
                benefits under incentive plans without regard to either your performance
                or the Company’s performance, or (iii) demote you or materially change the
                nature or location of your position, or transfer you to an Affiliate
                of
                the Company without your consent other than another wholly-owned
                subsidiary of 21st Century Insurance Group or (iv) interfere with
                your
                ability to fulfill the responsibilities of your office in a lawful
                manner.

            

    

    

    However,
      an event that is or would constitute Good Reason shall cease to be Good Reason
      if: (a) you do not terminate employment within 45 days after the event occurs;
      or (b) you were a primary instigator of the Good Reason event and the
      circumstances make it inappropriate for you to receive benefits under this
      Agreement. Your initiation or participation in sale, merger or liquidation
      negotiations and the agreement that may result from such discussions shall
      not
      be the sole basis for denial of benefits under this Retention Agreement. If
      you
      have Good Reason to terminate employment, you may do so even if you are on
      a
      leave of absence due to physical or mental illness or any other reason.

     

    
      	
              (h)

            	
              Severance
                Benefits

            

    

    

    “Severance
      Benefits” means your benefits under Section 5 of this Agreement.

     

    
      
        
        

      

      
        9

        
          

        

      

      
        
        

      

    

     

    
      	
              (i)

            	
              Term
                of this Agreement

            

    

    

    “Term
      of
      this Agreement” means the period that commences on the date of this Agreement
      and ends on a date
      specified by the Board for expiration of this Agreement (at least 24 months’
advance written notice of this date must be given to you before it is
      effective); provided, however, that in no event shall the Term of this Agreement
      be less than three years.

     

    
      	 	 	 	 	 
	 	 	21st
              Century Insurance Group and 21st Century  
	 	 	Insurance
              Company 
	 	 	 	 	 
	 	 	By: 	
              /s/

            	 
	 	 	Michael
              J. Cassanego, Senior Vice President,  
	Date	
                
                9-14-05        
                

            	Secretary
              and General Counsel 

    

    

    

    

    
      	 Accepted:	 
	  	 
	  	 

      
        	      /s/	
              	 
	 Bruce
                W. Marlow	 
	  	 
	Date: 
      
                 
                9-14-05             	 

      

    

    
       

      
        
          
          

        

        
          10

          
            

          

        

        
          
          

        

      

    

    

      Exhibit
        A

      

      SEPARATION
        AGREEMENT

      AND

      GENERAL
        AND SPECIAL RELEASE OF CLAIMS

      

      This
        Separation Agreement and General and Special Release of Claims (“Release”) is
        entered into by ____________________ ("Employee") and 21st Century Insurance
        Group and subsidiaries (hereinafter collectively referred to as the "Company”).
        It is entered into to resolve amicably all matters between Employee and the
        Company concerning Employee's employment and the cessation of that
        employment.

      

      1.     Separation
        Benefits.
        Notwithstanding this Agreement, Employee shall receive payment of all accrued
        and unpaid salary and vacation through Employee's last day of employment,
        subject to required and authorized deductions. In exchange for Employee's
        decision to enter into this Agreement as well as the Retention Agreement,
        the
        Company agrees to pay Employee the severance payments set forth in the Retention
        Agreement. The payments shall be made payable to Employee as required pursuant
        to the Retention Agreement, provided that Employee has not exercised Employee's
        right of revocation. 

      

      2.     Release.
        Except
        for the claims specifically excluded from release by section 5(a) of the
        Retention Agreement for which no dispute has arisen (and remains unresolved)
        prior to the execution of this Release, Employee (on behalf of Employee and
        Employee's agents, heirs, successors, assigns, spouses, executors and/or
        administrators) does hereby and forever release and discharge the Company
        as
        well as the successors, predecessors, partnerships, partners, joint venturers,
        affiliated entities, parents, subsidiaries, officers, directors, shareholders,
        accountants, insurers, advisors, employees, attorneys, heirs, assigns, agents,
        spouses, executors and/or administrators and representatives of the Company,
        past or present, from any and all causes of action, actions, judgments, liens,
        debts, contracts, indebtedness, damages, losses, claims, liabilities, rights,
        interests and demands of whatsoever kind or character, known or unknown,
        suspected to exist or not suspected to exist, anticipated or not anticipated,
        whether or not heretofore brought before any state or federal court, which
        Employee has or may have against any released person or entity, by reason
        of any
        and all acts, omissions, events or facts occurring or existing prior to the
        date
        the Agreement is signed by Employee, including, without limitation, all claims
        attributable to the employment of Employee, all claims attributable to the
        cessation of that employment, and all claims arising under any federal, state
        or
        other governmental statute, regulation or ordinance or common law, such as,
        for
        example and without limitation, breach of contract, breach of implied covenant,
        breach of oral or written promise, allegedly unpaid compensation, wrongful
        termination, infliction of emotional distress, defamation, interference with
        contract relations or prospective economic advantage, negligence,
        misrepresentation or employment discrimination, violation of Title VII of
        the
        Civil Rights Act of 1964, the Civil Rights Act of 1866, the Age Discrimination
        in Employment Act of 1967, the Americans with Disabilities Act, the Family
        and
        Medical Leave Act, the WARN Act, the Equal Pay Act, the Fair Labor Standards
        Act, ERISA, the California Unruh Act, the California Fair Employment and
        Housing
        Act, the California Labor Code (excepting any workers' compensation claim)
        and
        wrongful termination claims, excepting only those obligations expressly recited
        to be performed hereunder. Employee acknowledges that Employee is not presently
        suffering from any work-related injury and that Employee has fully recovered
        from any and all prior work-related injuries.

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      In
        light
        of the intention of Employee (for Employee, Employee's agents, heirs,
        successors, assigns, executors, spouses, and/or administrators) that this
        release extend to any and all claims of whatsoever kind or character, known
        or
        unknown, Employee expressly waives any and all rights granted by California
        Civil Code Section 1542 (or any other analogous federal or state law or
        regulation). Section 1542 reads as follows:

      

      A
        GENERAL
        RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT
        TO
        EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY
        HIM
        MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.

      

      3.     No
        Admissions or Assignment.
        Nothing
        contained herein shall be construed as an admission of wrongdoing or liability
        by either the Employee or the Company. Employee shall make no assignment
        of any
        matter released by this Agreement and Employee represents that no such
        assignment has been made.

      

      4.     Company
        Property and Confidential Information.
        All
memoranda,
        notes, records and other documents made or compiled by Employee or made
        available to Employee during Employee's employment concerning or related
        to the
        Company or any if its clients, whether in hard copy or electronic form, are
        Company property. Employee agrees to deliver all Company property to the
        Company
        upon request by the Company, and if not requested, upon or before the cessation
        of Employee’s employment with the Company. Employee agrees that any and all
        non-public information about the Company or any of its clients constitutes
        Confidential Information. Employee agrees not to disclose to any person,
        directly or indirectly, (including without limitation present or former
        employees of the Company), any Confidential Information excepting only (i)
        Employee's spouse, if any, (ii) Employee's attorneys and accountants, only
        as
        necessary, and (iii) under compulsion of law or court process. 

      

      5.     Covenant
        Not To Sue. Employee
        covenants and represents that he shall have no right whatsoever to file any
        lawsuit or institute any other legal proceeding of any type whatsoever against
        the Company based upon or arising out of or during Employee’s employment with
        the Company based upon facts, acts or omissions occurring prior to the date
        of
        the signing of this Separation Agreement and General and Special Release
        of
        Claims. This section shall not prohibit Employee from challenging the validity
        of his release of ADEA claims in Section 2 of this Agreement. 

      
        
          
          

        

        
          -2-

          
            

          

        

        
          
          

        

      

      6.     Entire
        Agreement/Modifications/Severability.
        This
        Agreement along with the Retention Agreement constitute a single integrated
        contract expressing the entire agreement of the parties with respect to the
        subject matter hereof, including without limitation all matters pertaining
        to or
        arising out of the Employee's employment or employment termination, and
        supersedes all prior and contemporaneous oral, written and implied agreements
        and discussions with respect to the subject matter hereof. There are no other
        agreements, written or oral, express or implied, between the parties hereto,
        concerning the subject matter hereof, except as set forth herein. This Agreement
        may be amended or modified only by an agreement in writing. Should any provision
        of this Agreement become or be held to be legally unenforceable, no other
        provision of this Agreement shall be affected, and this Agreement shall be
        construed to be enforceable or shall be construed as if the Agreement had
        never
        included the unenforceable provision. Any invalid or unenforceable provision
        of
        this Agreement shall be modified or reformed as permitted by law so that
        such
        provision is no longer invalid or unenforceable.

      

      7.     EEOC
        Cooperation.
        The
        Company and Employee agree that nothing in this Agreement shall prevent Employee
        from cooperating with the Equal Employment Opportunity Commission (“EEOC”) in
        the course of an investigation performed by the EEOC.

      

      8.     Waiting
        Period and Right of Revocation.
        EMPLOYEE ACKNOWLEDGES THAT EMPLOYEE IS AWARE THAT AND IS HEREBY ADVISED THAT
        EMPLOYEE HAS THE RIGHT TO CONSIDER THIS AGREEMENT FOR FORTY-FIVE DAYS FROM
        THE
        DATE OF DELIVERY OF THIS RELEASE FORM BEFORE SIGNING IT AND THAT IF EMPLOYEE
        SIGNS THIS AGREEMENT PRIOR TO THE EXPIRATION OF FORTY-FIVE DAYS, EMPLOYEE
        IS
        WAIVING THIS RIGHT FREELY AND VOLUNTARILY. EMPLOYEE ALSO ACKNOWLEDGES THAT
        EMPLOYEE IS AWARE OF AND IS HEREBY ADVISED OF EMPLOYEE’S RIGHT TO REVOKE THIS
        AGREEMENT FOR A PERIOD OF SEVEN DAYS FOLLOWING THE SIGNING OF THIS AGREEMENT
        AND
        THAT IT SHALL NOT BECOME EFFECTIVE OR ENFORCEABLE UNTIL THE REVOCATION PERIOD
        HAS EXPIRED. TO REVOKE THIS AGREEMENT, EMPLOYEE MUST NOTIFY THE COMPANY,
        IN
        WRITING, WITHIN SEVEN DAYS OF SIGNING IT. 

      

      9.     Attorney
        Advice.
        EMPLOYEE ACKNOWLEDGES THAT EMPLOYEE IS AWARE OF EMPLOYEE'S RIGHT TO CONSULT
        AN
        ATTORNEY, THAT EMPLOYEE HAS BEEN ADVISED TO CONSULT WITH AN ATTORNEY, AND
        THAT
        EMPLOYEE HAS HAD THE OPPORTUNITY TO CONSULT WITH AN ATTORNEY, IF DESIRED,
        PRIOR
        TO SIGNING THIS AGREEMENT.

      
        
          
          

        

        
          -3-

          
            

          

        

        
          
          

        

      

       

      10.     Understanding
        of Agreement.
        Employee states that Employee is physically and mentally competent to enter
        into
        this Agreement, that Employee has carefully read this Agreement, that Employee
        has had sufficient time and opportunity to consider its terms and to obtain
        legal advice, if desired, that Employee fully understands its effect, that
        the
        only promises made to Employee to sign this Agreement are those stated above,
        and that Employee is signing this Agreement voluntarily and without any threat,
        duress, coercion or undue influence.

      

      

      

      
        	
                Dated:
                  ____________

              	 	
                By

              	__________________________________ 
	 	 	 	
                Employee

              
	 	 	 	 
	 	 	 	 
	 	 	 	 
	
                Dated:
                  ____________

              	 	
                21st
                  Century Insurance Group and

              
	 	 	
                Subsidiaries

              
	 	 	 	 
	 	 	 	 
	 	 	
                By

              	 
	 	 	______________________________________
	 	 	
                [name
                  of Company official]

              
	 	 	
                [title]
                  

              

      

       

      -4-EXHIBIT 10.1

ASSIGNMENT AND SALE OF PATENT

WHEREAS, I, Asher Zwebner, hereinafter called "ASSIGNOR", residing at 20A Rehov
Shareit Orah, Bayit Vegan, Jerusalem, 96387, did obtain a United States Patent
for an improvement in automobile safety known as the Car Door Safety Feature No.
5074073, dated December 24, 1991 ("PATENT");

AND WHEREAS, I am now the sole owner of the PATENT and hereby represent and
warrant that I have the full right to convey the entire interest herein
assigned, and that I have not executed, and will not execute, any agreement in
conflict herewith;

AND WHEREAS Cdoor Corp., a Delaware corporation, together with any successors,
legal representatives or assigns thereof, called "ASSIGNEE" is desirous to
acquire the entire right, title and interest in and to the PATENT.

NOW, THEREFORE, in consideration of good and valuable consideration in the form
of ten percent (10%) of all income received by the ASIGNEE for the exploitation
of the PATENT, I, the Assignor, by these presents do sell, assign, transfer and
set over, and do hereby unconditionally and irrevocably sell, assign, transfer
and set over to ASSIGNEE the entire right, title and interest in and to said
PATENT aforesaid; the same to be held and enjoyed by the said ASSIGNEE for his
own use and benefit, to the full end of the term for which said PATENT is
granted, as fully and entirely as the same would have been held by me had this
assignment and sale not been made.

IN TESTIMONY WHEREOF, this Assignment is effective as of the date set forth
below (the "Effective Date").

I hereunto set my hand this 15th day of December, 2004

Name : Asher Zwebner - Assignor.   /s/ Asher Zwebner

Cdoor Corp, Inc - Assignee /s/ Asher Zwebner
                           /s/  Lavi Krasney

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