Document:

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                                                                   EXHIBIT 10.28

                        PREMIUM TAX MORATORIUM AGREEMENT

            BETWEEN SOUTH CAROLINA DEPARTMENT OF REVENUE AND TAXATION

                         AND SAFE AUTO INSURANCE COMPANY

                                 AUGUST 31, 2004

<PAGE>

                        PREMIUM TAX MORATORIUM AGREEMENT

         This PREMIUM TAX MORATORIUM AGREEMENT ("Agreement") is made as of
 August 31, 2004 between the South Carolina Department of Revenue (the
 "Department") and SAFE AUTO INSURANCE COMPANY (the "Taxpayer").

                                   WITNESSETH:

         WHEREAS, Section 12-6-3365 of the Code authorizes the Department to
 enter into an agreement utilizing the procedure in Section 12-6-2320(B) of the
 Code establishing a moratorium on state insurance premium taxes imposed
 pursuant to Chapter 7 of Title 3 8 of the Code for either ten or fifteen
 taxable years beginning the first full taxable year after the Taxpayer
 qualifies; and,

         WHEREAS, to qualify for the moratorium on state insurance premium
 taxes, the following criteria must be met: 1) the taxpayer must create and
 maintain at least 100 full-time new jobs at a facility of a type identified in
 Section 12-6-3360(M) of the Code, 2) the facility must be located in a county
 with an average annual unemployment rate of at least twice the state average
 during the last twenty-four months, based on the unemployment rate data on
 November 1st or in a county that is one of the three lowest per capita income
 counties, based on the average of the three most recent completed calendar
 years of per capita income data that are available on November 1st, 3) at least
 ninety percent of the Taxpayer's total investment in this State must be in the
 county in which the qualifying facility is located, 4) the taxpayer must ask
 the Department to enter into a contract utilizing the procedure in Section
 12-6-2320(B), and 5) after reviewing the Taxpayer's proposed and planned new
 facility or expansion, the South Carolina Advisory Coordinating Council for
 Economic Development (the "Council") must certify that the new facility or
 expansion will have a significant beneficial economic effect on the region for
 which it is planned and that the benefits to the public exceed the cost to the
 public; and,

         WHEREAS, the Taxpayer has a new facility or an expansion that qualifies
 under Code Section 12-6-3360(M) and has created at the facility 100 or more
 full-time new jobs; and

         WHEREAS, the county in which Taxpayer's facility is located is
 Williamsburg County which was a county that for Calendar Years 2002 through
 2004 was either: a) a county with an average annual unemployment rate of at
 least twice the state average during the last twenty-four months, based on the
 unemployment rate data on November 1st or b) a county with one of the three
 lowest per capita income, based on the average of the three most recent
 completed calendar years of per capita income data that were available on
 November 1st, and,

         WHEREAS, more than ninety percent of the Taxpayer's total investment in
 South Carolina is located in Williamsburg County at the time the Taxpayer
 created the 100 or more full-time new jobs; and,

         WHEREAS, after reviewing the Taxpayer's proposed and planned new
 facility or expansion, the Council certified that the new facility or expansion
 will have a significant beneficial economic effect on the region for which it
 is planned and that its benefits to the public exceed the cost to the public;
 (The Council's certification is attached as Exhibit A, and incorporated into
 this agreement);

         NOW THEREFORE, in consideration of the premises and other good and
valuable consideration the receipt and sufficiency of which are hereby
acknowledged, the parties agree to the following terms and conditions:

                             ARTICLE 1. DEFINITIONS

                                       2
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The following definitions shall be applicable for purposes of this Agreement.

"Agreement" means this agreement executed between the Department of Revenue and
the Taxpayer.

"Code" means the Code of Laws of South Carolina 1976, as amended.

"Cut-off-date" means the fifth anniversary of the date the first job in
connection with this agreement is created. This date may be no later than
October 1, 2008 which is five years from the date that the first job in
connection with this project was created.

"Effective Date" means the date specified on the cover of this Agreement.
"Full-Time" is as defined in Section 12-6-3360(M)(4) of the Code.

"Fifteen-Year Premium Tax Moratorium Period" means the period beginning on the
first day of the first full taxable year after the Start Date and ending on the
last day of the fifteenth full taxable year or the year when the Taxpayer ceases
complying with the Increased Minimum Job Requirement, whichever occurs first.
"Increased Minimum Job Requirement" means 200 or more full-time new jobs.

"Minimum Job Requirement" means 100 or more full-time new jobs. "Moratorium
County" means Williamsburg County.

"New Job" is as defined in Code Section 12-6-3360(M)(3).

"Premium Tax Moratorium" shall mean the incentive provided for by Section
12-6-3365 of the Code as it relates to the Taxpayer by this Agreement subject to
the further terms and conditions listed herein.

"Premium Tax Moratorium Period" means either the Ten-Year Premium Tax Moratorium
Period if the Minimum Job Requirement is created and maintained, or, the
Fifteen-Year Premium Tax Moratorium Period, if the Increased Minimum Job
Requirement is created and maintained.

"Project" means the facility or facilities that are located in the Moratorium
County as described in Taxpayer's Application for Qualification of Premium Tax
Moratorium attached to, and incorporated into, this Agreement as Exhibit B.

"Start Date" means the date on which the Taxpayer met the Minimum Job
Requirement which was December 31, 2003.

"State" means the State of South Carolina. "Taxpayer" means Safe Auto Insurance
Company.

"Ten-Year Premium Tax Moratorium Period" means the period beginning on the first
day of the first full taxable year after the Start Date and ending on the last
day of the tenth year or the year when the Taxpayer ceases complying with the
Minimum Job Requirement, whichever occurs first.

                  ARTICLE II. TERMS AND CONDITIONS OF AGREEMENT

                                       3
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 2.1     Employment

         The Taxpayer represents that on or before December 31, 2003, the
 Taxpayer created on its payroll at the Project, jobs in number equal to, or
 exceeding, the Minimum Job Requirement.

 2.2     Obligations With Respect to the Project

         The Taxpayer represents that it began operations at the project on or
 before December 31, 2003. The Taxpayer shall be responsible for all costs,
 contractual and other obligations associated with the acquisition, construction
 and operation of the Project. Neither the Department, Council, the State, nor
 any other agency or department of the State, or any employees thereof, shall be
 liable in any manner whatsoever to any person for matters pertaining to or
 arising in connection with the Project or this Agreement.

 2.3     Notice Obligation

         The Taxpayer by this Agreement notifies the Department that it has
 exceeded the Minimum Job Requirement as of December 31, 2003 and elects to
 start the Premium Tax Moratorium Period beginning with its tax year that
 commences January 1, 2004 and the Department accepts such notification. If the
 Taxpayer qualifies for, and the Taxpayer desires to use the Fifteen-Year
 Premium Tax Moratorium Period, the Taxpayer shall notify the Department in
 writing that it has met or exceeded the Increased Minimum Job Requirement and
 is electing to utilize the Fifteen-Year Premium Tax Moratorium Period. Such
 notification must be before the Cut-off Date.

 2.4     Investment Representation

         The Taxpayer represents that as of December 31, 2003, at least ninety
 percent of the Taxpayer's total investment in this State is located in the
 Moratorium County in which the project is located.

 If the Taxpayer meets the Increased Minimum Job Requirement and elects to use
 the Fifteen-Year Tax Moratorium Period, the Taxpayer represents that at time it
 meets the Increased Minimum Job Requirement, at least ninety percent of the
 Taxpayer's total investment in this State will be located in the Moratorium
 County in which the project is located.

 2.5 Certification by Department

 The Department of Revenue certifies that even if the Moratorium County is
 removed from the list of moratorium counties in a future year, the Taxpayer may
 continue to use the Premium Tax Moratorium for either the Fifteen-Year Premium
 Tax Moratorium Period or the Ten-Year Premium Tax Moratorium Period, provided
 that the Taxpayer maintains the required number of jobs.

                       ARTICLE III. PREMIUM TAX MORATORIUM

         The Taxpayer and Department agree that during the Premium Tax
Moratorium Period the Taxpayer shall be exempt from the Insurance Premium Tax
imposed pursuant to Chapter 7 of Title 38 of the Code, provided, however, the
Premium Tax Moratorium applies only to that portion of the Taxpayer's premium
tax that represents the ratio of the Taxpayer's new investment in the moratorium
county to its total investment in this State.

                                       4
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                       ARTICLE IV. LIMITATION ON AGREEMENT

         This Agreement is limited to matters set forth herein. Nothing in this
 Agreement shall be construed as authorizing or governing any other obligation
 of the Taxpayer to the State or to any agency, department or political
 subdivision thereof or as impacting or affecting any other economic development
 incentive, legal matter or arrangement between the Taxpayer and the State, its
 agencies or departments or political subdivisions. Subject to the conditions
 provided in Article V below, nothing contained in this Agreement shall be
 construed to grant to employees, the Department or the Council or any agency of
 the State the right to require the Taxpayer to hire, retain or terminate any
 employee or employees or to require that the Taxpayer make a minimum capital
 investment. Subject to the conditions provided in Article V below, the Taxpayer
 maintains the right to cease operations at the Project if the Taxpayer so
 determines in its sole discretion.

                             ARTICLE V. TERMINATION

 5.1     Notice and Termination

         If applicable, the Taxpayer must provide the Notice that it has met the
 Increased Minimum Job Requirement, pursuant to Section 2.3 hereof, by the
 Cut-off date, otherwise this Agreement shall be null and void.

 5.2     Failure to Maintain Minimum Employment

         If the Taxpayer fails to maintain the Minimum Job Requirement level for
any year(s) during the Premium Tax Moratorium Period for any reason other than
accident, natural disaster or any force majeure circumstance which make it
impossible for the Taxpayer to maintain the Minimum Job Requirement then the
Premium Tax Moratorium Period and this Agreement will terminate. If the Taxpayer
qualifies for and elects to use the Premium Tax Moratorium for the Fifteen-year
Premium Tax Moratorium Period, but fails to maintain the Increased Minimum Job
Requirement level for any year(s) during the Fifteen-year Premium Tax Moratorium
Period for any reason other than accident, natural disaster or any force majeure
circumstance which make it impossible for the Taxpayer to maintain the Increased
Minimum Job Requirement, then the Premium Tax Moratorium Period and this
Agreement will terminate at the end of the Ten-Year Premium Tax Moratorium
Period, or at the time the failure to maintain the Increased Minimum Job
Requirement occurs, whichever is later. Whether Taxpayer has met the Minimum Job
Requirement, or the Increased Minimum Job Requirement, if applicable, in any
year of the Premium Tax Moratorium Period will be determined using the
principles established under Section 12-6-3360 of the Code.

 5.3     Notification.

         The Taxpayer agrees to notify the Department within ninety days of any
period in which Taxpayer fails to maintain the Minimum Job Requirement or if
applicable, the Increased Minimum Job Requirement. If the Taxpayer fails to
notify the Department as required herein, any period of limitations for
assessment provided for in Code section 12-54-85 is suspended until 90 days
after such notification occurs.

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                            ARTICLE VI. MISCELLANEOUS

 6.1       Notices.

        Notices hereunder shall be sent by first-class mail, hand delivery or
facsimile transmission as follows:

 If to the Department:

         South Carolina Department of Revenue
         Attention: Economic Development Projects Coordinator

         Regular Mail Address
         P.O. Box 125
         Columbia, South Carolina 29214
         Telephone No.:     (803) 898-5402
         Facsimile No.:     (803) 898-5446

         Overnight Courier Address
         Columbia Mills Building
         301 Gervais Street
         Columbia, South Carolina 29201

 If to the Taxpayer:

         SAFE AUTO INSURANCE COMPANY
         Attention: Greg Sutton, CFO

         Regular Mail Address
         3883 East Broad Street
         Columbus, Ohio 43213
         Telephone No.:     (614) 231-0200   X7500
         Facsimile No.:     (614) 559-5680

         Overnight Courier Address Same

With a copy to:

         McNair Law Firm, P.A. Attention: Erik
         Doerring, Esquire

         Regular Mail Address
         P.O. Box 11390
         Columbia, South Carolina 29211
         Telephone No.:     (803) 799-9800
         Facsimile No.:     (803) 376-2277

         Overnight Courier Address
         1301 Gervais Street

                                       6
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          Columbia, South Carolina 29201
          Telephone No.:    (803) 799-9800
          Facsimile No.:    (803) 376-2277

         The parties may by notice given hereunder designate changes of address
 and phone and fax numbers for purposes of this Agreement.

 6.2     Governing, Laws.

         This Agreement is made under and shall be construed in accordance with
the laws and regulations of the State of South Carolina. By executing this
Agreement the Taxpayer agrees to submit to the jurisdiction of the Department
and the Courts of South Carolina for all matters arising or to arise hereunder.

 6.3  Mergers and Consolidations and Sale of the Project.

 If the Taxpayer merges or consolidates with another entity which is not an
 affiliate of the Taxpayer, or if the Taxpayer sells substantially all of the
 assets associated with the project, based on fair market value, to another
 entity which is not an affiliate of the Taxpayer then the Premium Tax
 Moratorium will automatically terminate and this Agreement will be void,
 whether the Taxpayer is the surviving entity of such merger or consolidation or
 not. An affiliate of the Taxpayer with operations in the moratorium county as
 of the date of the merger, consolidation, or sale, will not be treated as an
 affiliate of the Taxpayer for purposes of this provision.

 6.4     Additional Matters.

         Modifications or waivers of any provisions of this Agreement must be in
writing.

         IN WITNESS WHEREOF, this Agreement has been executed as of the
Effective Date.

                                        SOUTH CAROLINA DEPARTMENT OF REVENUE

                                        By: /s/ Harry T. Cooper, Jr.
                                           -------------------------------------
                                        Print: Harry T. Cooper, Jr.
                                               ---------------------------------
ATTEST:                                 Its: Deputy Director
       -------------------------             -----------------------------------

                                        SAFE AUTO INSURANCE COMPANY

                                        By: /s/ Greg A. Sutton
                                           -------------------------------------
                                        Print: Greg A. Sutton
                                              ----------------------------------
ATTEST:/s/ Greg A. Sutton               Its: CFO
       -------------------------            ------------------------------------

                                       7<PAGE>

                                                                   EXHIBIT 10.29

                               PROVIDER AGREEMENT

This Agreement is made to be effective as of January 31st, 2004, by and between
Safelite Solutions, LLC, a Delaware corporation (hereinafter "Safelite"), and
Safe Auto Insurance Company (hereinafter "Safe Auto").

                                   WITNESSETH:

      WHEREAS, Safelite maintains a network and database of glass repair and
replacement facilities located throughout the United States; and,

      WHEREAS, Safelite desires to handle claims for Safe Auto and to use its
expertise to assist Safe Auto in paying no more than fair and reasonable market
prices for such claims, as those prices are determined by Safe Auto; and,

      WHEREAS, Safelite proposes and wishes to make available its network, call
center, claim processing expertise, and systems support to Safe Auto and its
respective insureds; and,

      WHEREAS, Safe Auto wishes to enhance its ability to service its respective
insureds and manage its costs and expenses in motor vehicle glass repair and
replacement; and,

      WHEREAS, Safe Auto wishes to utilize Safelite's network, call center,
claims processing expertise, and systems support to better serve its respective
insureds throughout the United States;

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

                                    ARTICLE I
                                   DEFINITIONS

1.1 First Notice of Loss ("FNOL") and Scheduling Service. The process by which a
Safelite representative or employee receives and processes direct loss
notification for insureds of Safe Auto by telephone or other means, and
schedules the repair or replacement of automotive glass for the policyholders of
Safe Auto, in accordance with the technical specifications mutually agreed to by
the parties in connection with the program contemplated by this Agreement

                                        1

<PAGE>

1.2 Invoice Audit and Payment Service. Safelite's procedure for auditing and
paying invoices from independent glass repair and replacement facilities on
behalf of Safe Auto as described in ATTACHMENT 1.2.

1.3 NAGS. National Automotive Glass Specifications.

1.4 Fair and Reasonable Market Price. The amount payable by the insurance
company that issued the policy under which a claim is made for the repair or
replacement of automotive glass with respect to such claim, as communicated by
the insurance company in question to Safelite for purposes of the administration
of the program contemplated by this Agreement.

1.5 Third Party Facility. Any facility providing glass repair or replacement
products or services other than Safelite or a participant in Safelite's referral
network.

                                   ARTICLE II
                            OBLIGATIONS OF SAFELITE

2.1 Glass Repair and Replacement Claims Handling. Safelite agrees to provide
motor vehicle glass repair and replacement services and related claims handling
services to Safe Auto and its insureds during the term of this Agreement.

2.2 Pricing. Motor vehicle glass repair and replacement products and services
will be provided by Safelite at the pricing set forth in ATTACHMENT 2.2.

2.3 NAGS Price Changes. Recognizing that NAGS has, in the past, changed the
formula it uses to calculate its list prices, resulting in a compensating change
in industry discounts in general, the parties agree that in the event of any
such change, an equitable adjustment of the discounts consistent with the terms
and conditions provided for herein will be agreed to by the parties.

2.4 First Notice of Loss ("FNOL") and Scheduling Service.

      (a)   Safelite agrees to provide to Safe Auto glass claims FNOL services
            whereby Safelite's call center (inbound 1-800-number) will receive
            and administer glass claims for insureds of Safe Auto.

      (b)   The parties agree to work jointly to limit the number of non-claim
            generating telephone calls. The parties recognize and agree that
            Safelite will provide FNOL services to Safe Auto on a leased line or
            by means of any alternatives mutually agreed to by the parties. The
            parties further agree to jointly work together to maintain a
            telephone script that delivers

                                       2

<PAGE>

            high customer satisfaction, promotes windshield repair if
            appropriate, ensures collection of all required data, and seeks an
            average talk-time of no more than five(5) minutes per call.

      (c)   Under the FNOL program, all glass claims will be scheduled by
            Safelite.

2.5 Referral Network. Safe Auto and Safelite agree that Safelite will
offer referrals of the insureds of Safe Auto to participants in Safelite's
referral network under the program contemplated by this Agreement at the prices
set forth in ATTACHMENT 2.5, as may be modified from time to time at the sole
discretion of Safe Auto.

2.6 Payment of Claims. Safelite agrees to pay Third Party Facility claims and
claims of participants in Safelite's referral network within five(5) business
days of receipt of the applicable funds representative of payment for such glass
claims from Safe Auto.

2.7 Invoice Audit and Payment Service. Safelite agrees to provide its Invoice
Audit and Payment Service to Safe Auto for services provided by any Third Party
Facility.

      Safelite's Invoice Audit and Payment Service will include:

      (a)   Conversion of paper invoices to electronic invoices for all claims;

      (b)   Auditing of invoices in accordance with Safe Auto's guidelines as
            provided to Safelite and prompt curing of any audit failures;

      (c)   Transmission of all invoices and other information to Safe Auto;

      (d)   Processing and/or payment of accepted invoices in a manner that is
            mutually agreed upon; and,

      (e)   Return of all rejected invoices to the submitting party with an
            accompanying explanation in accordance with Safe Auto's guidelines
            as provided to Safelite.

2.8 Federal Motor Vehicle Safety Standards ("FMVSS"). Safelite agrees to comply
with all federal motor vehicle safety standards applicable to the installation
and repair of motor vehicle glass for Safe Auto's policyholders.

2.9 EPA Standards. Safelite agrees to comply with all applicable state and
federal standards for waste disposal at Safelite locations.

2.10 Reporting. Safelite will provide standard production reports containing
relevant management and customer service data.

                                       3

<PAGE>

2.11 Overpayments. Safe Auto hereby authorizes Safelite to attempt to recover,
through set off or other means, any amounts owed to Safe Auto by any third party
provider of automotive glass repair or replacement services (shop) as the result
of any overpayment to the shop.

                                   ARTICLE III
                            OBLIGATIONS OF SAFE AUTO

3.1 Glass Repair and Replacement. Safe Auto agrees, during the term of this
Agreement, to utilize its best efforts to have all of its motor vehicle glass
claims administered by Safelite through its FNOL and Scheduling Service.

3.2 Service Fees. Safe Auto agrees to pay Safelite the service fees set forth in
ATTACHMENT 3.2.

3.3 Payment for Goods and Services. Safe Auto agrees to pay Safelite the charges
set out in this Agreement within five (5) business days following receipt of
invoices for such goods and/or services from Safelite.

3.4 Third Party Claims. Safe Auto agrees to defend, indemnify, and hold Safelite
harmless from and against any and all liabilities, demands, claims, suits,
losses, damages, fines, and judgments, including costs, attorneys fees, witness
fees, and expenses incidental thereto, arising out of or in connection with the
payment or other processing of invoices or the handling of claims in accordance
with the instructions of Safe Auto.

                                   ARTICLE IV
                                JOINT ACTIVITIES

4.1 Billing Errors. In the event of any incorrect or erroneous billing or
accounting under this Agreement, the parties agree to take all steps necessary
to correct such errors as soon as reasonably possible.

                                    ARTICLE V
                              TERM AND TERMINATION

5.1 Term. This Agreement shall continue in effect for six (6) months from the
date first mentioned above. Thereafter, the term of this Agreement shall
automatically renew for successive six (6) month periods unless either of the
parties provides the other with written notice of non-renewal at least thirty
(30) days prior to the expiration of the then-current term.

                                       4
<PAGE>
5.2 Termination With Cause. This Agreement may be terminated by the nonbreaching
party upon written notice of a material breach of the terms or conditions of
this Agreement and the failure of the breaching party to correct such breach
within sixty (60) days of such notice, as determined by the party alleging the
breach.

                                   ARTICLE VI
                                 CONFIDENTIALITY

6.1 Confidentiality. Notwithstanding any other provision of this Agreement, the
parties agree that each other's systems, database, claims data, agent
identification, and any other internal processes or information and documents
are proprietary in nature and each party further agrees that it will not use the
other's information in a manner inconsistent with this Agreement or disclose
such information to any third party, or to any party who does not have a
demonstrated need to know for purposes of this Agreement. Any and all
confidentiality obligations under this Agreement shall survive the expiration or
termination of this Agreement. Notwithstanding the foregoing, in the event a
party receives a subpoena, or is subject to court order, demanding any
confidential information of the other party in possession of such party be
disclosed, then the party receiving the subpoena, or subject to such court
order, shall promptly notify the other party of the same, providing them an
opportunity to address the matter prior to the disclosure of any such
information subject to such court order or subpoena.

6.2 Limitations to Confidentiality. Nothing in this Article VI shall prohibit or
limit a party's use of information that the disclosing party can prove was (i)
within the public domain through no fault of or action by the disclosing party;
(ii) previously known to the disclosing party; (iii) independently developed by
the disclosing party; or (iv) rightfully received by the disclosing party from a
third party that had no duty of confidentiality. In accordance with the terms of
this Agreement, each party agrees to exercise the same degree of care used to
protect information of a similar nature that it does not permit to be disclosed
outside of its own company.

                                   ARTICLE VII
                                  MISCELLANEOUS

7.1 Independent Contractors. Safelite and Safe Auto are separate and independent
entities, and each is an independent contractor. Neither party is the partner,
agent, employee, or representative of the other.

7.2 Notices. Any notice required under the terms of this Agreement shall be in
writing and shall be sent by registered mail, return receipt requested,
addressed to the party at the address set forth below:

                                       5

<PAGE>

         Safe Auto:                             Safelite:

         Todd Friedman                          Thomas M. Feeney
         Vice President - Claims                Executive Vice President
         4328 East 5th Avenue                     and Chief Client Officer
         Columbus, OH 43219                     2400 Farmers Drive
                                                Columbus, OH 43235

         Copy to:                               Copy to:

         Name: _____________________            Cynthia L. Elliott
         Title: ____________________            Senior Corporate Attorney
                                                2400 Farmers Drive
                                                Columbus, OH 43235
         Address: __________________
         ___________________________

7.3 Governing Law. This Agreement shall in all respects be governed and
construed in accordance with the laws of the state of Ohio without regard to any
conflicts of law provisions to the contrary.

7.4 Assignment. This Agreement shall not be assigned or transferred by either
party without the prior written consent of the other party, provided however,
that Safelite may assign this Agreement to a subsidiary or an affiliate without
the consent of Safe Auto.

7.5 Survival of Rights of Parties. The expiration or termination of this
Agreement shall not release either party from any liability or obligation
incurred under this Agreement prior to such termination or expiration.

7.6 Waiver/Severability. The failure to enforce any of the provisions of this
Agreement shall not be construed as a waiver of that right or any other
provision or right. In the event that any of the provisions of this Agreement
shall be invalid, this Agreement shall be construed as if such invalid provision
was not herein contained.

7.7 Amendments. This Agreement may not be modified or changed in any manner
except by a written amendment duly executed by both parties hereto.

7.8 Force Majeure. If either party is rendered unable, wholly or in part, by an
act of God, civil disobedience, strike, or other force majeure to carry out its
obligations under this Agreement, that party shall give to the other party
prompt written notice and its obligations shall be suspended to the extent they
are affected by the force majeure and the affected party shall use reasonable
diligence to meet its obligations hereunder as quickly as possible.

                                        6
<PAGE>

7.9 Third-Party Beneficiaries. The obligations of each party to this Agreement
shall inure solely to the benefit of the other party and no person or entity
shall be a third-party beneficiary of this Agreement.

7.10 Invalidity of Terms. The invalidity or unenforceability of any term or
provision of this Agreement shall not impair or affect the other provisions
hereof, which shall remain in full force and effect.

7.11 No Responsibility. Neither party shall be responsible for any act,
omission, default, negligence, misfeasance, malfeasance, or nonfeasance of the
other party or any third party.

7.12 Remedies. Nothing in this Agreement is intended to be construed or be
deemed to create any right or remedies in any third party.

7.13 Administrative Functions. It is understood between the parties that
Safelite shall not engage in any conduct of adjusting, investigating,
evaluating, or settling a claim, or negotiating with any insured. Safelite's
activities pursuant to this Agreement shall be restricted to an administrative
function of assisting Safe Auto in preparing the appropriate forms or reviewing
related data or other information in an effort to accommodate the insured. Any
insured who disagrees with Safelite's position on any claim, or who in any other
way indicates disagreement or dissatisfaction, shall immediately be referred to
an adjuster designated by Safe Auto.

7.14 Ministerial Functions. The parties agree and understand that Safelite
performs purely ministerial functions under this Agreement and under no
circumstances shall Safelite be considered a fiduciary of Safe Auto.

7.15 Advertising. Each party to this Agreement shall have the right to use the
other's name in advertising or the presentation of client lists or other
promotional materials. Each party shall submit to the other any general media
advertising using the other's name for prior written approval, such approval not
to be unreasonably delayed or denied.

7.16 Prior Agreements. This Agreement supersedes any and all pre-existing
agreements between the parties relative to the subject matter hereof.

7.17 Headings. The headings of the various sections of this Agreement are not a
part of the context hereof, and are inserted merely for convenience in locating
the different provisions of this Agreement.

                                       7
<PAGE>

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed
by their respective officers duly authorized to do so.

SAFELITE:                                 SAFE AUTO:

Safelite Solutions LLC                    Safe Auto Insurance Company,
a Delaware corporation                    an Ohio corporation

By: /s/ Thomas M. Feeney                  By: /s/ Todd Friedman
   --------------------------                -----------------------------
       Thomas M. Feeney,                  Title: Vice President Claims
       its Executive Vice President,
       and Chief Client Officer

Date: February 3rd, 2004                  Date: 2/3/04

                                       8
<PAGE>

                                   ATTACHMENTS

<TABLE>
<S>   <C>
1.2   Invoice Audit and Payment Instructions

2.2   Glass Repair and Replacement Pricing Schedule

2.5   Referral Network Pricing

3.2   Service Fees
</TABLE>

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