Document:

EXHIBIT 10.7

                            SEVERANCE AGREEMENT

     THIS SEVERANCE AGREEMENT (this "Agreement") is by and between Millers

American Group, Inc. (the "Company") and David N. Thompson ("Employee").

                                 RECITALS

A.   Employee was employed by the Company or its predecessor pursuant to

     the terms of an Employment Agreement dated October 1, 1998 and effective

     November 1, 1998, between The Millers Mutual Fire Insurance Company

     ("Millers Mutual") and Employee (the "Employment Agreement").

B.   As the result of the conversion of Millers Mutual to a stock insurance

     company, Employee became an employee of the Company.

C.   The employment of Employee with the Company was terminated effective

     as of September 13, 1999.

D.   Employee and the Company desire to set forth their agreement with

     respect to the termination of employment of Employee with the Company.

                                AGREEMENTS

     In consideration of the above premises and the mutual covenants and

agreements set forth herein, including the payments to be made to Employee,

the parties hereto agree as follows:

1.   TERMINATION OF EMPLOYMENT.  Employee acknowledges and agrees that

     Employee's employment with the Company is terminated effective as of

     September 13, 1999. Employee further agrees that Employee has resigned as

     an officer and director of the Company and any subsidiary of the Company

     effective September 13, 1999.

2.   SEVERANCE PAYMENT.  Subject to the compliance by Employee with the

     terms of this Agreement, Employee will receive as a severance payment an

     amount equal to Employee's annual base salary of $300,000 to be paid

     through October 31, 2001, in accordance with Section 9(d) of the Employment

     Agreement.  The severance payment will be paid on the Company's regular

     payroll periods.  Employee acknowledges and agrees that Employee is not

     eligible for any other policy, plan or arrangement under which any

     severance payment or benefit have been or will be made to Employee.

3.   STOCK OPTIONS.  Employee is party to a Stock Option Agreement with the

     Company dated as of April 21, 1999 (the "Option Agreement") pursuant to

     which Employee was granted options to purchase 6,529 shares of Common Stock

     at an exercise price of $721.49 per share (the "Options"), thirty-three

     percent (2,155 shares) of the Options vested on April 21, 1999, thirty-

     three percent (2,155 shares) of the Options were scheduled to vest on April

     21, 2000 and thirty-four percent (2,219 shares) were scheduled to vest on

     April 21, 2001. The Company agrees that Employee may exercise Options

     covering up to 2,155 shares of Common Stock of the Company vested as of

     April 21, 1999 pursuant to the terms of the Option Agreement. Employee

     hereby acknowledges and agrees that the Options scheduled to vest on April

     21, 2000 and April 21, 2001 are cancelled and Employee releases the Company

     from any claim with respect to the cancelled Options.

4.   RELOCATION EXPENSES.  The Company agrees to reimburse Employee for up

     to a maximum of $15,000 of reasonable documented direct out of pocket

     expenses incurred by Employee to relocate to the Chicago, Illinois area

     within 60 days after the date of this Agreement.  The Company will pay to

     Employee the aggregate amount of $118,794.00 representing the sum of all

     previously unreimbursed relocation expenses claimed by Employee and an

     additional amount for tax adjustment purposes no later than the first

     regularly scheduled payroll period after the execution of this Agreement.

5.   NONDISCLOSURE, NONCOMPETE, NONSOLICITATION.  Employee acknowledges

     that Employee shall continue to be bound by the Nondisclosure, Noncompete,

     and Nonsolicitation covenants set forth in the Employment Agreement and the

     Option Agreement in accordance with the terms of such covenants as modified

     hereby.  Notwithstanding any provision of the Noncompete provisions of the

     Employment Agreement or the Option Agreement to the contrary, the Company

     agrees to modify such Noncompete provisions to permit Employee to accept a

     position in the property and casualty insurance business in a capacity

     consistent with Employee's background and Employee shall not be prohibited

     from being affiliated with any entity that competes with the Company;

     provided however, that Employee does not engage in activities competitive

     with any of the existing programs of the Company or its subsidiaries.

     Employee further represents and warrants that Employee has not violated in

     any manner the Nondisclosure, Noncompete, or Nonsolicitation provisions of

     the Employment Agreement or the Option Agreement at any time during

     Employee's employment by the Company or any subsidiary or predecessor of

     the Company nor has Employee violated such Nondisclosure, Nonsolicitation

     or Noncompete covenants (as modified by this Agreement) at any time after

     the termination of Employee's employment with the Company.

6.   RELEASE.  Employee, individually, and on behalf of Employee's assigns,

     heirs, executors, administrators, and legal representatives, hereby

     irrevocably and unconditionally releases, waives and discharges any claims

     against the Company, and each of its respective predecessors, successors,

     parent companies, subsidiaries, affiliates, assigns, and their respective

     employees, officials, employees, officers, directors, agents and legal

     representatives (collectively, "Releasees"), from any and all claims,

     demands, damages, actions causes of action, or suits in equity, of

     whatsoever kind of nature, whether known or unknown, suspected or

     unsuspected, that Employee had or which may arise by virtue of Employee's

     employment with or separation from the Company, or otherwise arising out of

     any event, action or omission occurring on or before the Effective Date of

     this Agreement, including, but not limited to, (i) claims arising under

     federal, state, or local laws prohibiting age, sex, race, national origin,

     disability, religion, retaliation, or any other form of discrimination,

     including but not limited to the Age Discrimination in Employment Act, as

     amended, 29 U.S.C. 621 et seq.; Title VII of the 1964 Civil Rights Act, as

     amended, 42 U.S.C. 2000e et seq.; the 1866 Civil Rights Act, 42 U.S.C.

     1981; the Americans With Disabilities Act, 42 U.S.C.  12101 et seq.; the

     Rehabilitation Act of 1973, 29 U.S.C.  701 et seq.; as well as applicable

     state Fair Employment Practice laws, (ii) claims arising under the Fair

     Labor Standards Act or the National Labor Relations Act, (iii) intentional

     infliction of emotional distress (outrageous conduct) or any other tort

     claims, (iv) common law claims, (v) breach of contract claims,

     (vi) promissory estoppel claims, (vii) retaliatory discharge claims,

     (viii) wrongful discharge claims, and/or (ix) any other legal and equitable

     claims regarding Employee's employment with the Company, the continuation

     of employment or the termination of said employment.

7.   INDEMNIFICATION.  Nothing in this Agreement shall be deemed to

     terminate any indemnification obligations of the Company in effect prior to

     the date hereof pursuant to which Employee was indemnified as an officer or

     director of the Company.

8.   CONFIDENTIALITY. Employee acknowledges that this Agreement is subject

     to the approval of the Company and may contain terms and conditions that

     differ from any similar type of agreement between the Company and any other

     former employee of the Company. Unless otherwise permitted by the Chairman

     of the Board of the Company, Employee agrees to keep confidential the terms

     of this Agreement (and the terms of any other similar agreement with any

     other past, present or future employee of the Company known to Employee)

     and shall not disclose such terms to any other past, present or future

     employee or otherwise.

9.   REPRESENTATIONS.  Employee warrants and represents that: (i) Employee

     has read this Agreement and fully understands it to be a release and waiver

     of all claims, known or unknown, present or future, that Employee has or

     may have against the Company, its predecessors, successors, parent

     companies, subsidiaries, affiliates, assigns, and employees, agents,

     officers, directors or officials arising out of Employee's employment or

     separation from employment, (ii) Employee has not transferred or assigned

     any claim Employee may have against the Company, (iii) Employee has been

     advised that Employee should consult with Employee's own attorney before

     signing this Agreement, (iv) Employee is of legal age, is legally competent

     to execute this Agreement, and that Employee executes this Agreement

     voluntarily of Employee's own free will and accord, without reliance on any

     representation of any kind or character not expressly stated in this

     Agreement and without any coercion, undue influence, threat or intimidation

     of any kind or type whatsoever, (v) any and all questions regarding the

     terms of this Agreement have been asked and answered to Employee's complete

     satisfaction, (vi) the consideration provided for herein is good and

     valuable, (vii) except as provided by this Agreement, Employee has no

     contractual right or claim to any or all of the money described in Section

     2, and (viii) this Agreement has been entered into voluntarily and

     knowingly by Employee and Employee has consulted with, or has had

     sufficient opportunity to consult with, an attorney of Employee's own

     choosing.

10.  VIOLATION OF AGREEMENT. In the event that there has been a violation of

     this Agreement by Employee, (i) no further payments of the severance

     payment shall be payable by the Company, (ii) Employee shall promptly upon

     demand by the Company return to the Company the amount of any portion of

     the severance payment received by Employee and (iii) Employee agrees to pay

     the Company's expenses caused by such breach, including the Company's

     attorney's fees and expenses.

11.  GOVERNING LAW. This Agreement shall be governed by, construed and enforced

     in accordance with, and subject to, the laws of Texas.

12.  COUNTERPARTS. This Agreement may be executed in multiple counterparts each

     of which shall be deemed an original agreement and all of which shall

     evidence one and the same Agreement.

13.  SEVERABILITY AND REFORMATION. The parties hereto intend all provisions of

     this Agreement to be enforced to the fullest extent permitted by law. If,

     however, any provision of this Agreement is held to be illegal, invalid, or

     unenforceable under present or future law, such provision shall be fully

     severable, and this Agreement shall be construed and enforced as if such

     illegal, invalid, or unenforceable provision were never a part hereof, and

     the remaining provisions shall remain in full force and effect and shall

     not be affected by the illegal, invalid, or unenforceable provision or by

     its severance.

14.  NOTICES. All notices and other communication required or permitted to be

     given hereunder shall be in writing and shall be deemed to have been duly

     given if delivered personally, mailed by certified mail (return receipt

     requested) or sent by overnight delivery service, cable, telegram,

     facsimile transmission or telex to the parties at the following addresses

     or at such other addresses as shall be specified by the parties by like

     notice:

          (a)  If to the Company:  Millers American Group, Inc.
                                   300 Burnett Street
                                   Fort Worth, Texas  76102-2799
                                   Attention:  Chairman
                                   Facsimile No.: (800) 826-9865

          (b)  If to Employee:     To the address of Employee listed on
                                   the signature page hereof

     Notice so given shall, in the case of notice so given by mail, be

     deemed to be given and received on the fourth calendar day after

     posting, in the case of notice so given by overnight delivery service,

     on the date of actual delivery and, in the case of notice so given by

     cable, telegram, facsimile transmission, telex or personal delivery,

     on the date of actual transmission or, as the case may be, personal

     delivery.

15.  ENTIRE AGREEMENT.  IT IS UNDERSTOOD AND AGREED THAT THIS AGREEMENT

     CONTAINS THE ENTIRE AGREEMENT BETWEEN THE PARTIES AND SUPERSEDES ANY AND

     ALL PRIOR AGREEMENTS, ARRANGEMENTS, OR UNDERSTANDINGS BETWEEN THE PARTIES

     RELATED TO THE SUBJECT MATTER.  NO ORAL UNDERSTANDINGS, STATEMENTS,

     PROMISES OR INDUCEMENTS CONTRARY TO THE TERMS OF THIS AGREEMENT EXIST.

     THIS AGREEMENT CANNOT BE CHANGED, ALTERED OR TERMINATED ORALLY.

                         [Signature Page Follows]

<PAGE>

     EXECUTED by Employee the 10th day of January, 2000.

  Employee                                   Millers American Group, Inc.

  /S/ DAVID N. THOMPSON                      By:  /S/ JOY J. KELLER
  --------------------------------               ------------------------------
  David N. Thompson                          Name:  Joy J. Keller
  Address:    910 Houston Street                   ----------------------------
              Suite 901                      Title:  President
              Fort Worth, Texas  76102             ----------------------------

  Acknowledged:

  /S/ CAROL A. THOMPSON
  -----------------------------------
  Employee's SpouseEXHIBIT 10.8

                       MILLERS AMERICAN GROUP, INC.

                          STOCK OPTION AGREEMENT

     This OPTION AGREEMENT (this "Option Agreement") is entered into by and

between  Millers American Group, Inc., a Texas corporation (the "Company"),

and the undersigned optionee (the "Optionee").

     1.   GRANT OF OPTION.  The Company hereby grants to the Optionee effective

as  of  the date set forth in Section 20 hereof (the "Date of Grant"),  the

right  and option (the "Option") to purchase up to the aggregate number  of

shares  of  common  stock, par value $0.01 per share, of the  Company  (the

"Common  Stock")  set  forth in Section 20 hereof,  subject  to  adjustment

pursuant  to Section 3 hereof and subject to the Optionee's acceptance  and

agreement to all of the terms and conditions and restrictions described  in

the  Millers  American Group, Inc. 1999 Stock Option Plan, as amended  (the

"Plan"),  a  copy of which has been provided to the Optionee,  and  to  the

further terms, conditions and restrictions set forth below.

     2. EXERCISE PRICE. Subject to adjustment pursuant to Section 3, the

exercise price payable by the Optionee upon exercise of this Option is set forth

in Section 20 hereof.

     3. ADJUSTMENTS TO NUMBER OF SHARES AND OPTION PRICE. The number of shares

and exercise price shall be subject to adjustments as provided in Section 9.4 of

the Plan.

     4. TAX STATUS. This Option will be treated as an "incentive stock option"

within the meaning of Section 422 of the Code to the extent that any portion of

this Option meets the requirements of Section 422 of the Code. To the extent

that any portion of this Option does not meet such Code requirements, this

Option shall be deemed a nonqualified stock option.

     5. EXERCISE OF OPTION. Subject to the terms of the Plan and this Option

Agreement, Optionee shall have the right to acquire shares of Common Stock under

this Option Agreement as follows:

          (a) as of the Date of Grant and thereafter, Optionee may exercise

     rights to acquire 33% of the Common Stock subject to the Option;

          (b) as of the first anniversary of the Date of Grant and thereafter,

     Optionee may exercise rights to acquire an additional 33% of the Common

     Stock subject to the Option; and

          (c) as of the second anniversary of the Date of Grant and thereafter,

     Optionee may exercise rights to acquire an additional 34% of the Common

     Stock subject to the Option.

     6.    EXPIRATION OF OPTION.  This Option shall expire and cease to  be

exercisable  on the sixth anniversary of the Date of Grant or such  earlier

date as may be specified in the Plan.

     7. TERMINATION OF AFFILIATION.

          (a) Subject to the following provisions of this Section 7 and Article

     VI of  the  Plan, this Option may not be exercised unless at the time  of

     exercise the Optionee is an Employee or a Director of the Company or a

     Subsidiary.

          (b) TERMINATION FOR CAUSE. In the event that Optionee is an Employee

     and the Optionee's employment by the Company or a Subsidiary shall

     terminate for Cause (as defined in Section 6.1 of the Plan), this Option

     shall terminate immediately. In the event that Optionee is a Director and

     Optionee fails to be reelected as a Director, resigns as a Director or is

     removed as a Director (other than due to Optionee's disability, as defined

     in Section 6.3 of the Plan), this Option shall terminate immediately.

          (c) DEATH OR DISABILITY. (i) In the event that the Optionee shall die

     while employed by, or serving as a Director of, the Company or a Subsidiary

     or if Optionee's employment by, or service as a Director of, the Company or

     a Subsidiary is terminated because the Optionee has become disabled,

     Optionee, his estate, or beneficiary shall have the right to exercise this

     Option at any time within 60 days from the date of death of Optionee or

     termination of his employment by, or service as a Director of, the Company

     or a Subsidiary due to disability, as the case may be, only to the extent

     the Optionee was entitled to exercise this Option immediately prior to such

     occurrence. To the extent that this Option is not so exercised, it shall

     expire at the end of such 60-day period. For purposes of this Option

     Agreement, disability shall be as defined in Section 6.3 of the Plan.

               (ii)    If the Optionee dies during the 60-day period  after

     the  termination of his or her position as an Employee or Director  of

     the  Company or a Subsidiary and at the time of his or her  death  the

     Optionee  was  entitled  to exercise this Option,  this  Option  shall

     expire  60  days  after the date on which his or her  position  as  an

     Employee or Director of the Company or a Subsidiary terminated, but in

     no  event, later than the date on which this Option would have expired

     if  the  Optionee  had  lived.  Until the expiration  of  such  60-day

     period,  this  Option may be exercised by the Optionee's  executor  or

     administrator or by any person or persons who shall have acquired  the

     Option directly from the Optionee by bequest or inheritance, but  only

     to the extent that the Optionee was entitled to exercise the Option at

     the  date of his or her death and, to the extent the Option is not  so

     exercised, it shall expire at the end of such 60-day period.

          (d) RIGHT TO EXERCISE. In the event that termination of employment

     with the Company occurs other than for Cause or for death or disability

     pursuant to Sections 7(b) or 7(c) above, or in the event that the

     directorship of an Optionee who is a Director is terminated for reasons

     other than the removal, resignation, death or disability of Optionee, the

     Optionee shall have the right to exercise this Option at any time within 60

     days after such termination to the extent he was entitled to exercise the

     same immediately prior to such termination. To the extent that this Option

     is not so exercised, it shall expire at the end of such 60-day period.

     8.    PROCEDURE TO EXERCISE. The Optionee (or other person entitled to

exercise this Option) shall purchase shares of stock of the Company subject

hereto by the payment to the Company of the purchase price in full and  the

amount of employment tax and withholding tax due, if any, upon the exercise

of  this  Option  (i)  by  certified or official bank  check,  (ii)  if  so

permitted  by the Company, by the delivery of a number of shares of  Common

Stock  (plus  cash if necessary) having a fair market value  equal  to  the

amount of such purchase price and employment and withholding tax, or  (iii)

by  delivery  of  the equivalent thereof acceptable to  the  Company.   Any

employment  or withholding tax due upon exercise of this Option  shall  be,

and  shall  remain, the responsibility of the Optionee (or such  Optionee's

estate or representative).  This Option may be exercised from time to  time

by  written notice to the Company stating the full number of shares  to  be

purchased  and  the  time and delivery thereof, which  shall  be  at  least

fifteen  days after the giving of notice unless an earlier date shall  have

been agreed upon between the Optionee (or other person entitled to exercise

this Option) and the Company, accompanied by full payment for the shares as

described  in the first sentence of this Section 8.  The Company  will,  as

soon  as  is  reasonably possible, notify the Optionee (or such  Optionee's

representative) of the amount of employment tax and other withholding  tax,

if  any,  that must be paid under federal, state and local law due  to  the

exercise  of this Option.  The Company shall have no obligation to  deliver

certificates  for  the  shares  purchased  until  the  Optionee  (or   such

Optionee's representative) pays to the Company the purchase price  in  full

and  the  amount  of employment tax and withholding tax  specified  in  the

Company's notice as described in this Section 8 by payment terms set  forth

in  the  first  sentence of this Section 8.  At the time of  delivery,  the

Company  shall,  without transfer or issue tax to the  Optionee  (or  other

person entitled to exercise this option) deliver at the principal office of

the  Company,  or at such other place as shall be mutually agreed  upon,  a

certificate  or certificates for such shares, provided, however,  that  the

time of delivery may be postponed by the Company for such period as may  be

required  for  it to comply with reasonable diligence with any requirements

of  law.  The foregoing notwithstanding, the Optionee may elect to exercise

the  Option  by a "cashless exercise" with a broker or by surrendering  the

Option in exchange for an amount, payable (at Optionee's election) in  cash

or shares of Common Stock (except for fractional shares which shall be paid

in cash) valued at Fair Market Value as of the date of such surrender, that

is  equal to the difference between (i) the aggregate Fair Market Value  of

the shares subject to the portion of the Option being exercised, minus (ii)

the  total  exercise price for the portion of the Option  being  exercised.

Withholding  obligations as a result of such surrender of the Option  shall

be  satisfied by any lawful means approved by the Committee and  agreed  to

with  Optionee  at  or  prior to the time of surrender.   This  alternative

exercise procedure shall apply only to that portion of the Option  that  is

not  exercised as an "incentive stock option" within the meaning of Section

422 of the Code.

     9. NONTRANSFERABILITY OF OPTION. This Option shall not be assignable or

transferable other than by will or the laws of descent and distribution and

shall be exercisable during the Optionee's lifetime only by the Optionee.

     10. CONTINUED EMPLOYMENT OR RETENTION. Subject to the terms of any

employment agreement between the Company and the Optionee, nothing herein shall

confer upon the Optionee any right to be continued in the employ or retention of

the Company or a Subsidiary, or continue to serve as a Director of the Company

or a Subsidiary, or shall prevent the Company or Subsidiary which employs or

retains the Optionee from terminating such employment at any time, with or

without cause, or removing or failing to reelect the Optionee as a Director.

     11. RIGHTS AS SHAREHOLDER. Nothing herein is intended to or shall give to

the Optionee or the legal representatives, heirs, legatees, or distributees of

the Optionee any right or status of any kind as a shareholder of the Company in

respect of any shares of Common Stock covered by this Option or entitle the

Optionee or the legal representatives, heirs, legatees, or distributees of the

Optionee to any dividends or distributions thereon unless and until such shares

shall have been delivered to the Optionee or the legal representatives, heirs,

legatees, or distributees of the Optionee and registered in the Optionee's name

and the Optionee or the legal representatives, heirs, legatees, or distributees

of the Optionee has received a certificate or certificates therefor.

     12. INTERPRETATION. If and when questions arise from time to time as to the

intent, meaning or application of the provisions hereof or of the Plan, such

questions shall be decided by the Board of Directors or the Committee in its

sole discretion, and any such decision shall be conclusive and binding on the

Optionee. The Optionee hereby agrees that this Option is granted and accepted

subject to such condition and understanding.

     13. INVESTMENT REPRESENTATION. At such time or times as the Optionee may

exercise this Option, the Optionee shall, upon the request of the Company,

represent in writing (i) that the shares being acquired by the Optionee under

this Option will not be sold except pursuant to an effective registration

statement, or applicable exemption from registration, under the Securities Act

of 1933, as amended, (ii) that it is the Optionee's intention to acquire the

shares being acquired for investment only and not with a view to distribution

thereof, and (iii) other customary representations as the Company deems

necessary or advisable. No shares will be issued to the Optionee unless the

Optionee provides such representations and agreements and the Company is

satisfied as to the accuracy of such representations and agreements. If so

requested, Optionee agrees to provide a lock-up agreement prohibiting the sale

by Optionee of shares issued upon exercise of the Options for a period of 180

days following a public offering by the Company of its Common Stock.

     14. REPURCHASE BY THE COMPANY. All shares of Common Stock purchased by the

Optionee or his or her estate or beneficiary and exercisable Options held by the

Optionee at the time of termination of employment shall be subject to repurchase

by the Company pursuant to Section 9.3 of the Plan.

     15. WITHHOLDING OF TAXES. Upon exercise of this Option (either wholly or in

part), the Optionee must pay to the Company, or make arrangements satisfactory

to the Company regarding payment of, any federal, state or local taxes of any

kind required to be withheld in connection with the issuance to the Optionee of

Common Stock upon exercise of this Option. The Company may permit withholding of

shares of Common Stock in accordance with procedures established by the Company

as an election by Optionee to meet applicable withholding requirements.

     16. NOTICES. All notices and other communications hereunder shall be in

writing and shall be deemed to have been duly given if delivered personally,

mailed certified mail (return receipt requested) or sent by overnight delivery

service, cable, telegram, facsimile transmission or telex to the Optionee at the

address on the signature page hereof and to the Company at the address set forth

below or at such other addresses as shall be specified by the parties by like

notice:

                    Millers American Group, Inc.
                    300 Burnett Street
                    Fort Worth, Texas  76102-2799
                    Attention:  Chief Financial Officer
                    Facsimile No.  (800) 826-9865

     17.  DEFINED TERMS.  All capitalized terms used herein and not otherwise

defined shall have the meanings given them in the Plan.

     18. CONFIDENTIALITY. Unless otherwise permitted by the Chairman of the

Board or the President of the Company, Optionee agrees to keep confidential the

terms of this Option Agreement (and the terms of any other Option Agreement with

any other Employee or Director of the Company known to Optionee) and shall not

disclose such terms to any other Employee or otherwise.

     19. NONDISCLOSURE, NONCOMPETE, NONSOLICITATION. In further consideration

for the grant to Optionee of the Option evidenced by this Option Agreement,

Optionee hereby covenants and agrees as follows:

          (a) Optionee hereby acknowledges that Optionee will have access to

     certain trade secrets and confidential information of the Company and of

     corporations and/or other business enterprises directly or indirectly

     owned, controlled and/or operated by the Company ("Affiliates") and that

     such information constitutes valuable, special and unique property of the

     Company and such corporations. Optionee shall not, during or after the term

     of Optionee's employment by the Company or a Subsidiary, disclose any such

     trade secrets or confidential information to any person or entity for any

     reason or purpose whatsoever except as may be required by law or use such

     confidential information for any purpose not authorized by the Chairman of

     the Board. Confidential information shall include (i) all information

     designated as confidential by the Chairman of the Board and (ii) all

     information the disclosure of which Optionee knows, or in the exercise of

     reasonable care should know, would be damaging to the Company; provided,

     however, that confidential information shall not include any information

     known generally to the public (other than as a result of unauthorized

     disclosure by Optionee) or any information not otherwise considered by the

     Chairman of the Board or the Board of Directors to be confidential.

          (b) Optionee agrees that during the term of Optionee's employment by,

     or service as a Director of, the Company or a Subsidiary and for a period

     of 24 months following the termination of Optionee's employment with, or

     service as a Director of, the Company or a Subsidiary, Optionee shall not,

     at any place within the States in which the Company or an Affiliate is

     conducting business operations at the time of such termination, without the

     prior written consent of the Chairman of the Board, either in his own

     behalf or as a partner, officer, director, employee, agent or shareholder

     (other than as the holder of less than 10% of the outstanding capital stock

     of any corporation whose stock is traded on a national securities exchange)

     engage in, be interested in or render services to any business then

     competitive with the Company or a Subsidiary.

          (c) Optionee agrees that during the term of Optionee's employment by,

     or service as a Director of, the Company or a Subsidiary and for a period

     of 24 months following the termination of Optionee's employment, or service

     as a Director of, Optionee shall not, either alone or on behalf of any

     business competing with the Company or any Affiliate, directly or

     indirectly (i) solicit or induce, or in any manner attempt to solicit or

     induce any person employed by, or an agent of, the Company or any Affiliate

     to terminate his contract of employment or agency, as the case may be, with

     the Company or any Affiliate, as the case may be, or (ii) solicit, divert,

     or attempt to solicit or divert, as a supplier or customer, any person,

     concern or entity which, as of the date of termination or during the one

     year period prior thereto, furnishes products or services to, or receives

     products and services from the Company or any Affiliate, nor will Optionee

     attempt to induce any such supplier or customer to cease being (or any

     prospective supplier or customer not to become) a supplier or customer of

     the Company or any Affiliate.

     20.  SPECIFIED INFORMATION.  This Option Agreement shall apply with respect

to the following specific information:

          a.   Date of Grant:  ___________

          b.   Name of Optionee:  ___________

          c.   Number of Shares Covered by Option:  ___________

          d.   Option Exercise Price Per Share:  $___________

                         [SIGNATURE PAGE FOLLOWS]

<PAGE>

      IN  WITNESS  WHEREOF,  the  undersigned  have  executed  this  Option

Agreement to be effective as of the Date of Grant set forth above.

                              MILLERS AMERICAN GROUP, INC.

                              By: ______________________________
                                   Name: _______________________
                                   Title: ______________________

                              __________________________________
                              _________________, Optionee

                              Optionee's Address:

                              _____________________
                              _____________________

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00010-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00010-of-00352.parquet"}]]