Document:

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                                                                EXHIBIT 10(a)(2)

                           STOCK REDEMPTION AGREEMENT

         This Stock Redemption Agreement is entered into by and among Universal
Forest Products, Inc., a Michigan corporation, with headquarters at 2801 East
Beltline, N.E., Grand Rapids, Michigan 49525 (the "Corporation"); Peter F.
Secchia, individually ("PFS"); Peter F. Secchia Trust u/a/d August 27, 1990, as
amended (the "PFS Trust"); the Secchia Family Limited Partnership ("SFLP");
SIBSCO, L.L.C., a Michigan limited liability company ("SIBSCO"); and the Secchia
Family Foundation (the "Foundation").

                                    RECITALS

         A. The PFS Trust; SFLP; SIBSCO; the Foundation; the Mark W. Secchia
Trust u/a/d December 23, 1991, as amended (the "MWS Trust"); the Stephanie R.
Secchia Trust u/a/d December 23, 1991, as amended (the "SRS Trust"); the Charles
N. Secchia Trust u/a/d December 23, 1991, as amended (the "CNS Trust"); the
Sandra V. Secchia Trust u/a/d December 23, 1991, as amended (the "SVS Trust");
The Piffuskids Christmas Trust for Grandma u/a/d December 23, 1987 ("Grandma's
Trust"); the Fifth Third Securities Corporation, IRA Custodian for the benefit
of Peter F. Secchia (the "PFS-IRA"); Mark W. Secchia, individually; Stephanie R.
Secchia; individually; Charles N. Secchia, individually; and Sandra Secchia
Aslanian, individually (collectively, the "Shareholders") each own shares of the
common stock, no par value, of the Corporation ("Common Stock").

         B. The Shareholders desire to have some of their shares of Common
Stock redeemed by the Corporation on the terms and conditions hereinafter set
forth.

         C. The Corporation desires to redeem from one or more of the
Shareholders 2,000,000 shares of Common Stock owned by the Shareholders on the
terms and conditions hereinafter set forth.

         In consideration of the above recitals and of the mutual covenants and
agreements herein contained, the parties mutually agree as follows:

         1. REDEMPTION. Subject to the terms and conditions of this Agreement,
on January 2, 2002 (the "Redemption Date"), one or more of the Shareholders,
collectively, shall sell and transfer to the Corporation, and the Corporation
shall redeem from one or more of the Shareholders, 2,000,000 shares of Common
Stock owned by the Shareholders. The number of shares to be sold by each
Shareholder on the Redemption Date shall be determined by the Shareholders and
provided to the Corporation in a writing signed by all of the Shareholders on or
prior to January 2, 2002, in the form attached as Exhibit A.

         2. CALCULATION AND PAYMENT OF REDEMPTION PRICE. On the Redemption Date,
the Corporation shall pay to each Shareholder, in immediately available funds,
the "Per Share Price" multiplied by the number of shares redeemed by the
Corporation from that Shareholder on the Redemption Date. The "Per Share Price"
shall mean Eighteen Dollars ($18.00) per Share. The aggregate amount payable to
each Shareholder is referred to as the "Applicable Redemption Price."

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         3. TRANSFER OF OWNERSHIP OF SHARES. On or before the Redemption Date,
each Shareholder selling shares hereunder shall deliver to the Corporation, at
its address set forth in paragraph 12 hereof, the original stock certificate(s)
representing the redeemed shares, duly endorsed in blank by that Shareholder, or
accompanied by blank stock powers, in the manner required by the Corporation's
transfer agent. Each Shareholder shall deliver such other documents and
instruments reasonably required by the Corporation or its transfer agent to
transfer the redeemed shares to the Corporation.

         If any certificates evidencing shares of Common Stock are lost, stolen
or destroyed, the Shareholder entitled to payment with respect to such Common
Stock shall make and deliver an affidavit of lost certificate in form and
substance acceptable to the Corporation and its transfer agent, and deliver such
affidavit in lieu of the original stock certificate required above. In such
event, the Corporation may, in its discretion and as a condition precedent to
payment of the Applicable Redemption Price with respect thereto, require the
Shareholder to indemnify the Corporation against any claim that may be made
against it with respect to the lost, stolen or destroyed certificates(s) and to
pay any required indemnity bond, as may be required by the transfer agent.

         4. ADJUSTMENTS. If, between the date of this Agreement and the
Redemption Date, the outstanding shares of Common Stock changes into a different
number of shares or a different class of shares by reason of any stock split,
split-up, reclassification, recapitalization, merger, consolidation,
combination, exchange of shares, stock dividend or dividend payable in other
securities, or any similar event has occurred, and the record date for such
change is within that time period, the number of shares to be redeemed from each
Shareholder pursuant to this Agreement and the Applicable Redemption Price shall
be appropriately adjusted to provide to the holders thereof the same economic
effect as contemplated by this Agreement prior to such event.

         5. REPRESENTATIONS OF THE SHAREHOLDERS AT CLOSING. By executing and
delivering the form attached hereto as Exhibit A, each Shareholder severally
represents and warrants with respect to himself, herself or itself as follows,
and covenants that the same shall be true as of the Redemption Date with respect
to the shares of Common Stock to be redeemed on the Redemption Date:

                  (a) the Shareholder is the legal and beneficial owner of all
         of the shares of Common Stock to be sold and transferred by the
         Shareholder hereunder, free and clear of any and all liens,
         encumbrances and other charges;

                  (b) the Shareholder has good and marketable title to the
         shares of Common Stock to be sold and transferred by the Shareholder
         hereunder, and has full right to sell and transfer such shares to the
         Corporation;

                  (c) the Shareholder is not a party to any agreement, written
         or oral, creating rights in respect of any of the shares of Common
         Stock to be sold and delivered by the Shareholder hereunder;

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                  (d) there are no existing warrants, options, stock purchase
         agreements, or restrictions of any nature relating to the shares of
         Common Stock to be sold and delivered by the Shareholder hereunder, and
         the Shareholder's performance hereunder will not conflict with or
         violate any agreement to which the Shareholder is a party or by which
         the Shareholder is bound; and

                  (e) this Agreement is a binding obligation of the Shareholder,
         enforceable against the Shareholder in accordance with its terms.

         6.       REPRESENTATIONS OF THE CORPORATION.  The Corporation
represents, warrants and covenants that:

                  (a) its execution and delivery of this Agreement has been duly
         authorized by requisite corporate action;

                  (b) the execution and delivery of this Agreement and
         performance of its obligations hereunder do not violate section 345 of
         the Michigan Business Corporation Act;

                  (c) it has obtained all consents, authorizations and waivers
         required to be obtained by it in order to execute and deliver this
         Agreement and perform its obligations hereunder, and it will timely
         make all filings and registrations that are required by law or contract
         to be made in connection herewith;

                  (d) this Agreement is a binding obligation of the Corporation,
         enforceable against it in accordance with its terms.

         7.       SURVIVAL OF REPRESENTATIONS AND WARRANTIES.  All
representations and warranties made hereunder shall survive the delivery of the
shares redeemed hereunder.

         8.       CONDITIONS PRECEDENT TO CORPORATION'S OBLIGATIONS.  It shall
be a condition precedent to the Corporation's obligations hereunder with respect
to any Shareholder that:

                  (a) the representations and warranties made by such
         Shareholder herein shall be true and correct on the Redemption Date as
         if made on and as of that date, and the tender of shares by such
         Shareholder on the Redemption Date shall be deemed an affirmation
         thereof; and

                  (b) on the Redemption Date, the Corporation shall not be in
         default, nor shall its performance of the transactions contemplated
         hereby cause a default, under any of the Corporation's loan documents
         or credit facilities.

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         9.       CONDITIONS PRECEDENT TO SHAREHOLDERS' OBLIGATIONS.  It shall
be a condition precedent to each Shareholder's obligation hereunder that:

                  (a) the representations and warranties made by the Corporation
         herein shall be true and correct on the Redemption Date as if made on
         and as of that date, and the tender of the Applicable Redemption Price
         by the Corporation on the Redemption Date shall be deemed an
         affirmation thereof.

         10.      CONTINUING RIGHTS OF SHAREHOLDERS. Nothing in this Agreement
shall affect any Shareholder's rights with respect to shares of Common Stock not
yet redeemed hereunder, or any other shares of Common Stock owned, now or in the
future, by such Shareholder, and each Shareholder shall continue to possess and
have the right to exercise all rights of ownership with respect to such shares
until redeemed pursuant hereto.

         11.      FURTHER ASSURANCES.  Each party shall take whatever further
action may become necessary or appropriate to carry out the intent and
accomplish the purposes of this Agreement.

         12.      NOTICES. All demands and notices given hereunder will be sent
by personal delivery or overnight express with a nationally recognized courier,
addressed to the respective parties at the addresses set forth below, or to such
other address for a party as that party may hereafter designate in writing to
the other parties in the same manner:

                  If to the Corporation:    Universal Forest Products, Inc.
                                            Attention:  Matthew J. Missad
                                            2801 East Beltline, NE
                                            Grand Rapids, Michigan 49505

                  If to any Shareholder:    c/o Peter F. Secchia
                                            2833 Bonnell, SE
                                            Grand Rapids, Michigan 49506

                                            With a copy to:

                                            Stephen J. Mulder
                                            Mika, Meyers, Beckett & Jones, PLC
                                            200 Ottawa Avenue, Suite 700
                                            Grand Rapids, Michigan 49503

         13.      BINDING EFFECT; ASSIGNABILITY.  This Agreement shall be
binding upon and inure to the benefit of the respective parties hereto, their
legal representatives, successors, and assigns. This Agreement may not be
assigned by any of the Shareholders or the Corporation.

         14.      REDEMPTION DATE.  If the Redemption Date is not a Business
Day, then the Redemption Date shall be the first Business Day following the
scheduled Redemption Date. "Business Day" means any day on which banks are not
required or authorized to close in the City of Grand Rapids, Michigan.

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         15.      ENTIRE AGREEMENT. This Agreement may be amended only by a
writing signed by each party affected thereby, expressly referring to this
Agreement and stating that it is intended to amend this Agreement.

         16.      NON-WAIVER. No delay or failure by any party to exercise any
right under this Agreement, and no partial or single exercise of that right,
will constitute a waiver of that or any other right, unless otherwise expressly
provided herein.

         17.      HEADINGS.  Headings in this Agreement are for convenience only
and will not be used to interpret or construe is provisions.

         18.      GOVERNING LAW.  This Agreement will be construed in accordance
with and governed by the laws of the State of Michigan.

         19.      COUNTERPARTS.  This Agreement may be executed in two or more
counterparts, each of which will be deemed an original but all of which together
will be one and the same instrument.

         20.      JOINT AND SEVERAL OBLIGATIONS. The mutual obligations of the
Corporation and each Shareholder are included in one agreement for convenience
only, and such obligations relating to one Shareholder shall not be affected by
any change, circumstance or determination regarding such obligations relating to
another Shareholder. The obligations of each Shareholder hereunder are not joint
obligations, but are several obligations only.

         21.      THIRD PARTY BENEFICIARIES. The parties hereto intend that the
Shareholders who are not named parties to this agreement shall be third-party
beneficiaries of this agreement, and shall have the right to enforce this
agreement as if named parties hereto, subject to performance of the obligations
imposed on Shareholders hereunder.

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         IN WITNESS WHEREOF, the parties have signed this Agreement this 3rd day
of December, 2001.

                             UNIVERSAL FOREST PRODUCTS, INC.

                             By /s/ Michael B. Glenn
                               ------------------------------------------------
                                Michael B. Glenn, its President

                             /s/ Peter F. Secchia
                             --------------------------------------------------
                             Peter F. Secchia, individually

                             PETER F. SECCHIA TRUST, U/A/D
                             AUGUST 27, 1990, AS AMENDED

                             By  /s/ Peter F. Secchia
                                -----------------------------------------------
                                Peter F. Secchia, its Trustee

                             SECCHIA FAMILY LIMITED
                             PARTNERSHIP

                             By /s/ Peter F. Secchia
                                -----------------------------------------------
                                Peter F. Secchia, Trustee of the Peter F.
                                Secchia Trust, u/a/d August 27, 1990, as
                                amended, its Managing Partner

                             SIBSCO, L.L.C.

                             By /s/ Peter F. Secchia
                                -----------------------------------------------
                                Peter F. Secchia, its Managing Member

                             SECCHIA FAMILY FOUNDATION

                             By /s/ Peter F. Secchia
                                -----------------------------------------------
                                Peter F. Secchia, its President

                                        6

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                                    EXHIBIT A
                          TO STOCK REDEMPTION AGREEMENT

Universal Forest Products, Inc.
2801 East Beltline, NE
Grand Rapids, Michigan  49505
Attention:  Matthew J. Missad

         Re:      Exercise Notice

         Pursuant to the terms of that certain Stock Redemption Agreement, dated
December 3rd, 2001, between Universal Forest Products, Inc. and the undersigned
Shareholders (the "Agreement"), the number of shares to be redeemed from each
Shareholder is as follows:

<TABLE>
<S>                                         <C>
          PFS                                                    shares
                                             ------------------
          PFS Trust                                     800,000  shares
                                             ------------------
          SFLP                                          560,410  shares
                                             ------------------
          SIBSCO                                        100,000  shares
                                             ------------------
          Foundation                                    400,000  shares
                                             ------------------
          MWS Trust                                      40,000  shares
                                             ------------------
          SRS Trust                                      20,000  shares
                                             ------------------
          CNS Trust                                      40,000  shares
                                             ------------------
          SVS Trust                                      28,000  shares
                                             ------------------
          Grandma's Trust                                        shares
                                             ------------------
          PFS-IRA                                        11,590  shares
                                             ------------------
          Mark W. Secchia                                        shares
                                             ------------------
          Stephanie R. Secchia                                   shares
                                             ------------------
          Charles N. Secchia                                     shares
                                             ------------------
          Sandra Secchia Aslanian                                shares
                                             ------------------

                   TOTAL                              2,000,000  shares
</TABLE>

         Each capitalized term used herein and not otherwise defined shall have
the meaning ascribed to it in the Agreement.

         This Notice may be executed in two or more counterparts, each of which
will be deemed an original but all of which together will be one and the same
instrument.

                       (Signatures on following two pages)

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Dated as of: January 2, 2002

                                  /s/ Peter F. Secchia
                                  ---------------------------------------------
                                  Peter F. Secchia, individually

                                  PETER F. SECCHIA TRUST, U/A/D
                                  AUGUST 27, 1990, AS AMENDED

                                  By /s/ Peter F. Secchia
                                     ------------------------------------------
                                     Peter F. Secchia, its Trustee

                                  SECCHIA FAMILY LIMITED
                                  PARTNERSHIP

                                  By /s/ Peter F. Secchia
                                     ------------------------------------------
                                     Peter F. Secchia, Trustee of the Peter F.
                                     Secchia Trust, u/a/d August 27, 1990, as
                                     amended, its Managing Partner

                                  SIBSCO, L.L.C.

                                  By /s/ Peter F. Secchia
                                     ------------------------------------------
                                     Peter F. Secchia, its Managing Member

                                  SECCHIA FAMILY FOUNDATION

                                  By /s/ Peter F. Secchia
                                     ------------------------------------------
                                     Peter F. Secchia, its President

                                  /s/ Mark A. Schut
                                  ---------------------------------------------
                                  Mark A. Schut, Trustee of the Mark W.
                                  Secchia Trust u/a/d December 23, 1991, as
                                  amended, and the Stephanie R. Secchia
                                  Trust u/a/d December 23, 1991, as amended,
                                  and the Charles N. Secchia Trust u/a/d
                                  December 23, 1991, as amended, and the
                                  Sandra V. Secchia Trust u/a/d December 23,
                                  1991, as amended

                                       8

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                                  THE PIFFUSKIDS CHRISTMAS TRUST
                                  FOR GRANDMA u/a/d December 23, 1987

                                  By
                                     ------------------------------------------
                                      Valerie Gail Secchia, Trustee

                                  PFS - IRA

                                  By /s/ L. L. Cannon
                                    -------------------------------------------
                                           Its
                                               --------------------------------

                                  /s/ Mark W. Secchia
                                  ---------------------------------------------
                                  Mark W. Secchia, individually

                                  /s/ Stephanie R. Secchia
                                  ---------------------------------------------
                                  Stephanie R. Secchia, individually

                                  /s/ Charles N. Secchia
                                  ---------------------------------------------
                                  Charles N. Secchia, individually

                                  /s/ Sandra Secchia Aslanian
                                  ---------------------------------------------
                                  Sandra Secchia Aslanian, individually

                                       9<PAGE>
                                                                   EXHIBIT 10.23

                  DESCRIPTION OF UNWRITTEN SUBLEASE ARRANGEMENT
                             EAST LANSING, MICHIGAN

         American Physicians Assurance Corporation, a wholly owned subsidiary of
American Physicians Capital, Inc. (the "Company"), leases 21,950 square feet of
office space from Sam Eyde Construction Company in a building located at 2501
North Coolidge in East Lansing, Michigan. The lease commenced in May 1999 and
runs through April 30, 2004 with two five-year renewal options. The Company pays
$19.00 per square foot to the lessor under the lease, subject to CPI increase
after the first five years. SCW Agency Group, Inc. is permitted to use a total
of 10,208 square feet of the office space leased by the Company under the same
terms and conditions to which the Company is subject and is charged $19.00 per
square foot for the space it is permitted to use. The Company and SCW have not
established any term for the arrangement, which can be terminated by either
party at any time.

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