Document:

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                                                                    Exhibit 10.3

                   INFINITY PROPERTY AND CASUALTY CORPORATION

                           2002 RESTRICTED STOCK PLAN

                                    ARTICLE 1
                                   OBJECTIVES

         The objectives of this 2002 Restricted Stock Plan (the "Plan") are to
enable Infinity Property and Casualty Corporation (the "Company") and its
subsidiaries to compete successfully in retaining and attracting key employees
of outstanding ability, to stimulate the efforts of such employees toward the
Company's objectives and to encourage the identification of their interests with
those of the Company's shareholders.

                                    ARTICLE 2
                                   DEFINITIONS

         For purposes of this Plan, the following terms shall have the following
meanings:

         2.1 "Board" means the board of directors of the Company.

         2.2 "Cause" means (i) the Employee's failure or refusal to materially
perform his/her duties; (ii) the Employee's failure or refusal to follow
material lawful directions of the Board or any other act of material
insubordination on the part of Employee; (iii) the engaging by the Employee in
misconduct, including but not limited to any type of sexual harassment which is
materially and demonstrably injurious to the Company or any of its divisions,
subsidiaries or affiliates, monetarily or otherwise; (iv) any conviction of, or
plea of guilty or nolo contendere to, the Employee with respect to a felony
(other than a traffic violation); or (v) the commission (or attempted
commission) of any act of fraud or dishonesty by the Employee which is
materially detrimental to the business or reputation of the Company or any of
its divisions, Subsidiaries or affiliates.

         2.3 "Change of Control" means the occurrence of one (1) or more of the
following events:

                  (i) After the Date of Award, any person or group of persons
                  becomes both a Beneficial Owner (as such term is defined in
                  Rule 13d-3 promulgated under the Securities Exchange Act of
                  1934 (the "1934 Act") directly or indirectly of securities (a)
                  representing 40% or more of the total number of votes that may
                  be cast for the election of directors of the Company, whether
                  by open market purchases, by tender offer or exchange offer,
                  through issuance of new shares by the Company or by merger or
                  consolidation and (b) such person or group of persons is the
                  Beneficial Owner directly or indirectly of a greater
                  percentage of such securities than American Financial Group,
                  Inc.;

                  (ii) Within two (2) years after a merger, consolidation,
                  liquidation or sale of assets involving the Company, or a
                  contested election of a Company director or directors, or any
                  combination of the foregoing, the individuals who were
                  directors
<PAGE>
                  of the Company immediately prior to the merger, consolidation,
                  liquidation, sale of assets or contested election shall cease
                  to constitute a majority of the Board; or

                  (iii) Within two (2) years after a tender offer or exchange
                  offer for voting securities of the Company, the individuals
                  who were directors of the Company immediately prior to the
                  commencement of the tender offer or exchange offer shall cease
                  to constitute a majority of the Board.

         2.4 "Code" means the Internal Revenue Code of 1986, as amended, or any
successor legislation.

         2.5 "Committee" means a committee designated by the Board. The
Committee shall be comprised of three or more directors, each of whom shall be a
"Non-Employee Director" as defined in Rule 16b-3 of the 1934 Act and an "outside
director" under Section 162(m) of the Code ("Section 162(m)"), as such Rule and
Section may be amended, superseded or interpreted hereafter.

         2.6 "Date of Award" means the date on which an Employee executed a
Restricted Stock Agreement.

         2.7 "Disability" means the failure of the Employee to render services
to the Company for a continuous period of six (6) months because of the
Employee's physical or mental disability or illness.

         2.8 "Employee" means any individual who performs services for the
Company or any Subsidiary and is treated as an "employee" for federal income tax
purposes.

         2.9 "Shares" means shares of the Company's common stock, no par value.

         2.10 "Subsidiary" has the meaning set forth in Section 424(f) of the
Code.

         2.11 "Vested Shares" means the non-forfeitable Shares held by an
Employee pursuant to an award under this Plan, as determined under the vesting
schedule at Article 7.

         2.12 "Year of Service" means each year commencing on the Date of Award
and ending on each anniversary of that date during which the Employee provides
continuous service to the Company.

                                    ARTICLE 3
                                 ADMINISTRATION

         3.1 The Committee. This Plan shall be administered and interpreted by
the Committee.

         3.2 Awards. The Committee is authorized to award Shares. In particular,
the Committee shall have the authority:

                  3.2.1 to select the Employees which shall be awarded Shares;
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                  3.2.2 to determine the number of Shares to be awarded to the
Employees; and

                  3.2.3 to interpret the provisions of this Plan and decide all
questions of fact arising in its application.

         3.3 Delegation of Administrative Duties. The Committee may delegate its
administrative duties to employees of the Company.

         3.4 Decisions Final. Any action, decision, interpretation or
determination by or at the direction of the Committee concerning the application
or administration of this Plan shall be final and binding upon all persons and
need not be uniform with respect to its determination of recipients, amounts,
timing, form, terms or provisions.

                                    ARTICLE 4
                             SHARES SUBJECT TO PLAN

         4.1 Shares. The Company has reserved for use under this Plan an
aggregate of Twenty Four and 57/100 (24.57) Shares, which Shares shall be
treasury shares. Shares which are forfeited as a result of an Employee's
termination shall again become available for award under this Plan.

         4.2 Adjustment Provisions. If the Company shall at any time change the
number of issued Shares without new consideration to the Company by stock
dividend, split, combination, recapitalization, reorganization, exchange of
shares, liquidation or other change in corporate structure affecting the Shares,
the total number of Shares reserved for issuance under this Plan shall be
appropriately adjusted.

                                    ARTICLE 5
                                 AWARD OF SHARES

         5.1 Shares Awarded by Committee. Subject to the terms and conditions of
this Plan, the Committee may, from time to time, award Shares to Employees
pursuant to this Plan by written notice to the Employee. More than one award may
be given to the same Employee.

         5.2 Restricted Stock Agreement. All Shares awarded under this Plan
shall be evidenced by a Restricted Stock Agreement substantially in the form
attached hereto as Exhibit A.

         5.3 Securities Representation. As a condition to the award of Shares
pursuant to this Plan, the Employee receiving the award may be required to give
such written assurances to the Company as the Company shall require that the
Employee is acquiring the Shares for investment and without any present
intention of selling or distributing the Shares in violation of any applicable
state or Federal law.

                                    ARTICLE 6
                              RESTRICTION ON SHARES
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         6.1 Nontransferability of Shares. Employee, his/her heirs,
administrators or executors may not sell, assign, transfer, pledge, hypothecate
or otherwise dispose of in any way the Shares acquired pursuant to an award
under this Plan, until such Shares become Vested Shares.

         6.2 Voting and Distributions Rights. Employee, his/her heirs,
administrators or executors may vote and receive dividends or other
distributions made with respect to the Shares acquired pursuant to an award
under this Plan, regardless of whether such Shares are Vested Shares.

         6.3 Legend on Certificates. In order to more fully effectuate the
restrictions imposed by an award under this Plan, each stock certificate
representing Shares acquired pursuant to such award shall have printed on such
certificates the following legend or a legend substantially similar thereto:

"The sale, assignment, transfer, pledge, hypothecation or other disposition of
this certificate is subject to certain restrictions, the terms and conditions of
which are contained in the Company's 2002 Restricted Stock Plan and a Restricted
Stock Agreement, copies of which are on file in the office of the Secretary of
the Company."

                                    ARTICLE 7
                                VESTING OF SHARES

         7.1 Termination of Service. If the Employee is terminated by the
Company for Cause, death or Disability or the Employee terminates his/her
service to the Company, any non-Vested Shares acquired pursuant to an award
under this Plan shall be forfeited by the Employee and returned to the Company
without consideration.

         7.2 Vesting Schedule. An Employee's Vested Shares shall be determined
in accordance with the following vesting schedule:

<TABLE>
<CAPTION>
Years of Service           Vested Percentage
----------------           -----------------
<S>                        <C>
Less than 1 Year                     0%
          1 Year                33 1/3%
          2 Years               33 1/3%
          3 Years               33 1/3%
</TABLE>

         7.3 Automatic Vesting. In the event of (i) the dissolution or
liquidation of the Company; (ii) any merger, consolidation, exchange or other
transaction in which the Company is not the surviving corporation or in which
shares of the Company's common stock are converted into cash, other securities
or other property; or (iii) thirty (30) calendar days prior to the scheduled
consummation of a Change of Control; then the Shares acquired pursuant to an
award under this Plan shall be deemed Vested Shares as of the date immediately
prior to such transaction, conversion or Change of Control. Further, the Shares
acquired pursuant to an award under this Plan shall immediately be deemed Vested
Shares upon the termination of the Employee by the Company other than for Cause,
death or Disability.
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                                    ARTICLE 8
                       AMENDMENT OR DISCONTINUANCE OF PLAN

         8.1 By Board of Directors. The Board may at any time amend, suspend, or
discontinue this Plan.

         8.2 Effect on Shares. No amendment to this Plan shall alter or impair
any award of Shares given under this Plan without the consent of the holders
thereof.

                                    ARTICLE 9
                                 EFFECTIVE DATE

         This Plan shall become effective as December 16, 2002 having been
adopted by the Board and approved by the shareholders of the Company as of such
date.

                                   ARTICLE 10
                            DURATION AND TERMINATION

         This Plan shall terminate and no further stock shall be awarded
hereunder after December 16, 2012. In addition, the Committee may terminate this
Plan at any time prior thereto. The termination of this Plan shall not, however,
alter or impair any award of Shares given under this Plan without the consent of
the holders thereof.

                                   ARTICLE 11
                          COMPLIANCE WITH SECTION 16(B)

         This Plan is intended to comply with all applicable conditions of Rule
16b-3 of the General Rules and Regulations under the 1934 Act. All transactions
involving the Company's executive officers are subject to such conditions,
regardless of whether the conditions are expressly set forth in this Plan. Any
provision of this Plan that is contrary to a condition of Rule 16b-3 shall not
apply to executive officers of the Company.

                                   ARTICLE 12
                                  MISCELLANEOUS

         12.1 Stock Power and Retention of Certificates. The Company may require
the Employee to execute and deliver to the Company a stock power in blank with
respect to the non-Vested Shares and may, in its sole discretion, determine to
retain possession of or escrow the certificates for the non-Vested Shares. The
Company shall have the right, in its sole discretion, to exercise such stock
power in the event that the Company becomes entitled to the non-Vested Shares
pursuant to Section 7.1. Notwithstanding retention of such certificates by the
Company, the Employee shall have all rights (including dividend and voting
rights) with respect to the non-Vested Shares represented by such certificates.

         12.2 No Employment Guaranty. Nothing contained in this award shall be
construed as a guaranty or promise of continued employment or shall interfere in
any way with the right of the Company to terminate the employment of any
Employee at any time for any reason.
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         12.3 Taxes. To the extent that the lapse of restrictions on the
non-Vested Shares results in the receipt of compensation by the Employee for tax
purposes, the Company shall withhold from any cash compensation then or
thereafter payable to the Employee any tax required to be withheld by reason
thereof. To the extent the Company determines that such cash compensation is or
may be insufficient to fully satisfy such withholding requirement, the Employee
shall deliver to the Company cash in an amount determined by the Company to be
sufficient to satisfy any such withholding requirement. If the Employee makes
the election authorized by Section 83(b) of the Code, the Employee shall submit
to the Company a copy of the statement filed by the Employee to make such
election.
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                                    EXHIBIT A

                   INFINITY PROPERTY AND CASUALTY CORPORATION

                           RESTRICTED STOCK AGREEMENT

         Infinity Property and Casualty Corporation (the "Company"), hereby
awards to [Employee] ___________shares of its common stock ("Shares") in
accordance with and subject to the terms of the Infinity Property and Casualty
Corporation 2002 Restricted Stock Plan (the "Plan"), a copy of which is attached
hereto and made a part hereof, and of this Restricted Stock Agreement.

         The Shares acquired pursuant to the Plan are subject to certain
restrictions affecting the sale, assignment, transfer, pledge, hypothecation or
other disposition of such Shares in accordance with and subject to the terms of
the Plan.

         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed on the ____ day of _____________,20__.

                                                INFINITY PROPERTY AND CASUALTY
                                                CORPORATION

                                                By:
                                                   -----------------------------
                                                Name:
                                                     ---------------------------
                                                Title:
                                                      --------------------------

         I hereby accept the award of Shares set forth above in accordance with
and subject to the terms and conditions of this Restricted Stock Agreement and
of the Plan and agree to be bound thereby.

-------------------------------
Employee<PAGE>

                                                                   Exhibit 10.13

                                LICENSE AGREEMENT

     THIS LICENSE AGREEMENT ("Agreement") is made and entered into as of the ___
day of ____________, 2003 (the "Effective Date") between GREAT AMERICAN
INSURANCE COMPANY ("Licensor") and INFINITY PROPERTY AND CASUALTY CORPORATION
("Licensee") (collectively, the "Parties").

                                    RECITALS

     WHEREAS, Licensor owns the Licensed Marks identified in SCHEDULE A; and

     WHEREAS, Licensor and Licensee have entered into a Services Agreement dated
of even herewith (the "Services Agreement"), providing for the supply of certain
information and services by Licensor and its affiliates to Licensee and its
affiliates relating to the Reinsurance Agreement dated of even herewith (the
"Reinsurance Agreement"), and the Parties may enter into a further Servicing
Agreement (the "Servicing Agreement for Direct Business"), providing for the
supply of certain services by Licensee and its affiliates to Licensor and its
affiliates relating to the Direct Business;

     WHEREAS, the Services Agreement provides for a license to use the Licensed
Marks upon and in connection with certain products and services; and

     WHEREAS, the Parties agree that Licensor shall grant to Licensee a license
to use the Licensed Marks for such products and services, subject to the terms
and conditions herein;

     NOW, THEREFORE, in consideration of the premises and the mutual promises
and obligations contained herein, the Parties agree as follows:

                                    AGREEMENT

                                   DEFINITIONS

     "Business Services" means, collectively the Direct Business Services, the
Reinsured Business Services, and any conduct of Licensee's personal lines
insurance business.

     "Direct Business" means Licensor's direct to consumer personal lines
insurance business.

     "Direct Business Services" means those services provided by Licensee in
connection with the Servicing Agreement for Direct Business.

     "Great American Marks" means the trademarks and service marks including the
Great American logo or the word "Great" or any permutation thereof in any of the
variations used in the business of Licensor (including the mark "Great American
DriverClub", which for the purpose of this Agreement shall be a "Great American
Mark") identified in SCHEDULE A as Great American Marks and the logos used in
connection therewith.

     "Licensed Marks" means, collectively, the Personal Lines Marks and the
Great American Marks.

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     "Personal Lines Marks" means the trademarks and service marks in any of the
variations used in the business of Licensor identified in SCHEDULE A as Personal
Lines Marks and the logos used in connection therewith, excluding the "Great
American Marks."

     "Reinsured Business Services" means those services provided by Licensee in
connection with the Reinsured Business.

     "Subsidiaries" means the directly or indirectly wholly owned property and
casualty insurance company subsidiaries of Licensee.

     "Territory" means the United States of America, including its territories
and possessions and the Commonwealth of Puerto Rico.

     All capitalized terms not defined herein shall have the meanings set forth
in the Services Agreement.

1. GRANT OF LICENSE

     1.1 LICENSE GRANT. Subject to the terms herein, Licensor grants to Licensee
         (a) a non-exclusive, royalty-free, non-transferable license in the
         Territory to use the Great American Marks and the Personal Lines Marks
         solely upon and in connection with the sale, promotion, marketing,
         advertisement and distribution of the Direct Business Services (solely
         during the term of the Servicing Agreement for Direct Business) and the
         Reinsured Business Services (solely until the later of the expiration
         of the Reinsurance Agreement, or the cessation of all of Licensee's
         obligations thereunder), and (b) a non-exclusive, royalty-free,
         non-transferable, perpetual (subject to termination in accordance with
         Section 4.2) license in the Territory to use the Personal Lines Marks
         upon and in connection with the sale, promotion, marketing,
         advertisement and distribution of the Licensee's personal lines
         insurance business. All rights not specifically granted to Licensee
         herein are reserved by Licensor. Licensor will not object to use of the
         Driverclub & Design mark (Registration 2,636,426) by Licensee or its
         Subsidiaries in connection with Licensee's or its Subsidiaries'
         corporate names.

     1.2 SCOPE OF RIGHTS. Licensee acknowledges and agrees that the Licensed
         Marks are the sole and exclusive property of Licensor. Licensee shall
         not challenge or take any action inconsistent with Licensor's ownership
         of the Licensed Marks at any time. Licensor specifically reserves the
         right to use, or grant licenses to other third parties to use, the
         Licensed Marks.

     1.3 NO OTHER RIGHT TO LICENSED MARKS OR THIRD PARTY MARKS. This Agreement
         conveys to Licensee no other rights to the Licensed Marks except as
         specified herein; nor does this Agreement grant to Licensee rights to
         any intellectual property of any third party except as specified
         herein.

     1.4 SUBLICENSING. Licensee shall have the right to sublicense the Licensed
         Marks to its property and casualty insurance company Subsidiaries;
         provided, Licensee shall be responsible for ensuring that any use by
         its sublicensees of any Licensed

                                       2

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         Mark, and any other actions or failures to take action of such
         sublicensees, shall comply in all respects with the terms and
         conditions of this Agreement. Any failure of any such sublicensee to
         comply with all applicable terms and conditions of this Agreement shall
         be deemed a breach of this Agreement by Licensee. Licensee may not
         otherwise sublicense the Licensed Marks.

     1.5 DISCONTINUANCE OF USE. Licensee acknowledges that, from time to time,
         Licensor may discontinue the use of all or any of the Licensed Marks.
         In the event that Licensor ceases use of any of the Great American
         Marks, Licensee will cease use of any such marks as soon as is
         commercially reasonable following written notice from Licensor. In the
         event that Licensor ceases use of any of the Personal Lines Marks,
         Licensor will offer to assign any such mark to Licensee at Licensee's
         expense. Subsequent to any such assignment, all expenses relating to
         the assigned mark will be borne by Licensee.

     1.6 LICENSEE MODIFICATIONS. In no event shall Licensee modify any of the
         Great American Marks. In the event Licensee desires to modify any of
         the Personal Lines Marks for its use, Licensee shall submit samples of
         the modified mark to Licensor at least thirty (30) days prior to the
         commercial use thereof. If Licensor approves in writing of the modified
         mark submitted by Licensee, such approval not to be unreasonably
         withheld or delayed, that modified mark is included in the Personal
         Lines Marks and Licensee may use the modified mark in accordance with
         the terms and conditions of this Agreement. All right, title and
         interest in and to any such modified mark shall be owned by Licensor.
         Licensee shall not use any variation of the Licensed Marks which has
         not been approved by Licensor. Licensee shall not claim ownership of
         any modified mark of Licensor.

     1.7 TERMINATION FOR ABANDONMENT. In the event Licensee abandons its use of
         any of the Licensed Marks for a period of one (1) year, Licensee's
         rights to any such Licensed Marks shall be terminated and all of
         Licensee's rights to any such Licensed Marks under this Agreement shall
         revert to Licensor. Licensee shall promptly notify Licensor of any such
         abandonment.

2. USE OF THE LICENSED MARKS

     2.1 USE OF LICENSED MARKS. Neither party shall knowingly use the Licensed
         Marks, or any other trademark, service mark, trade name, logo, symbol
         or devices in combination with or confusingly similar to the Licensed
         Marks in a form and manner or for a subject matter that may: (a) reduce
         the value of the Licensed Marks, or (b) injure the other Party's
         business, the reputation of the Licensed Marks or of the other Party,
         or the goodwill appurtenant to the Licensed Marks.

     2.2 TRADEMARK NOTICES. Licensee shall display in connection with any use of
         the Licensed Marks and associated materials such trademark, copyright
         and other proprietary notices as are currently in use for Licensor's
         products and services or as otherwise reasonably instructed by
         Licensor.

                                       3

<PAGE>

     2.3 TRADE NAMES. Licensee shall not use any Licensed Marks as part of a
         trade name or corporate name unless separately agreed in writing in
         advance by Licensor.

     2.4 SERVICES. Licensee shall not use the Licensed Marks on or in connection
         with any materials which relate to any business other than the
         Business, including the Reinsured Business, and the Direct Business.

3. QUALITY CONTROL AND APPROVALS

     3.1 QUALITY STANDARDS. Licensee warrants that the Business Services and all
         promotional, advertising, and related materials sold under or bearing
         the Licensed Marks shall meet or exceed the quality standards and
         specifications in use by Licensor in commerce as of the date of this
         Agreement, or where no such standards exist, a level of quality at
         least consistent with the quality standards generally accepted for
         other competitive products or services. Licensee will, as soon as
         commercially reasonable, comply with the Great American Brand Design
         Guidelines delivered in writing to Licensee as Licensor may amend from
         time to time, provided that any such guidelines or amendments thereto
         shall not unreasonably interfere with the conduct of Licensee's
         business.

     3.2 SAMPLES SUBMISSION. Upon Licensor's request from time to time, Licensee
         shall submit samples of all reasonably requested materials using the
         Licensed Marks to Licensor for evaluation by Licensor. If such
         materials are found by Licensor in the exercise of its reasonable
         judgment not to meet quality standards, Licensee will promptly correct
         any problems and reimburse Licensor for any reasonable expense of
         evaluating and reevaluating such materials for compliance.

     3.3 QUALITY MAINTENANCE/INSPECTION OF FACILITIES. Licensee warrants that
         all products and services it advertises, distributes, provides and
         sells under the Licensed Marks shall be substantially identical to and
         of no lesser quality than the quality standards and specifications
         described in Section 3.1 hereof. Licensee shall submit to Licensor for
         prior written approval any proposed material change to any of the
         Business Services which could affect in any material respect the
         quality standards.

     3.4 RESCISSION OF APPROVAL. Licensee shall promptly remove from sale or
         distribution any product or associated artwork or materials to which
         Licensor rescinds approval as the result of inspection or evaluation
         under this Section 3. Licensor will not unreasonably rescind approval
         of any Business Services, use of the Licensed Marks or any materials
         previously approved.

     3.5 SUBSTANDARD QUALITY. In the event that the quality of the Business
         Services or any marketing, packaging or other materials bearing any
         Licensed Mark falls below the acceptable level (as defined in Section
         3.1) as determined by Licensor in its reasonable discretion, Licensee
         shall, promptly correct or cease the use as instructed by Licensor.

                                       4

<PAGE>

     3.6 DISPOSAL OF UNAPPROVED/SUBSTANDARD MATERIALS. Licensee shall, upon
         Licensor's direction, ship to Licensor or destroy and certify such
         destruction, all unapproved, rescinded, or substandard materials using
         any Licensed Mark.

4. TERM

     4.1 TERM. This Agreement shall be effective as of the Effective Date and
         shall remain in full force and effect unless or until terminated in
         accordance with Section 4.2.

     4.2 TERMINATION OF AGREEMENT. Licensor may terminate the rights granted in
         Section 1.1: (i) if Licensee materially breaches the terms of this
         Agreement and fails to cure within thirty (30) days of receipt of
         written notice of such breach from Licensor; or (ii) immediately upon
         notice, not withstanding any other provision of this Agreement, if
         Licensee uses the Licensed Marks in any manner in connection with any
         pornographic, obscene or other scandalous products; or (iii)
         immediately upon notice, if Licensee makes an assignment for the
         benefit of creditors, files a petition under the bankruptcy or
         insolvency laws of any jurisdiction, appoints a trustee or receiver for
         its property or business, or is adjudicated bankrupt or insolvent.

     4.3 EFFECT OF TERMINATION. Upon expiration or cessation of all of
         Licensee's obligations under the Reinsurance Agreement, Licensee shall
         immediately cease and desist from any and all use of the Licensed Marks
         in connection with the Reinsured Business (except to the extent such
         Reinsured Business is otherwise a Business Service), including but not
         limited to any marketing, distribution, sales or promotional materials
         bearing the Licensed Marks. Upon expiration or termination of the
         Servicing Agreement for Direct Business, Licensee shall immediately
         cease and desist from any and all use of the Licensed Marks in
         connection with the Direct Business (except to the extent such Direct
         Business is otherwise a Business Service), including but not limited to
         any marketing, distribution, sales or promotional materials bearing the
         Licensed Marks. Upon a termination of Licensee's rights in accordance
         with Section 4.2 above, Licensee shall immediately cease and desist
         from any and all use of the Licensed Marks, including but not limited
         to any marketing, distribution, sales or promotional materials bearing
         the Licensed Marks, and shall, in accordance with Section 3.6, ship to
         Licensor or destroy all materials using any Licensed Mark.

5. OWNERSHIP, GOODWILL AND PROTECTION

     5.1 ACKNOWLEDGMENT. Licensee will never represent that it is the owner of
         the Licensed Marks and shall not attempt to register or maintain any
         registrations for the Licensed Marks alone or as part of its own
         trademark or service mark in any jurisdiction. Licensee will use the
         Licensed Marks only in the manner and in the geographic region
         specified in this Agreement. Licensee agrees that it will not at any
         time attack Licensor's rights in the Licensed Marks. The Parties
         expressly intend and agree that all use of the Licensed Marks and all
         goodwill deriving therefrom shall inure to the sole benefit of
         Licensor.

                                       5

<PAGE>

     5.2 CONFUSINGLY SIMILAR MARKS. Licensee shall not use or authorize use at
         any time of any mark, name, design, logo or other designation
         confusingly similar to the Licensed Marks.

     5.3 GOODWILL. Licensee recognizes the value of the publicity and goodwill
         associated with the Licensed Marks, acknowledges that the Licensed
         Marks and any marks confusingly similar to the Licensed Marks have
         acquired secondary meaning, and that all related rights and goodwill
         belong and will belong exclusively to Licensor.

     5.4 REASONABLE ASSISTANCE. Licensee agrees to provide Licensor with such
         reasonable assistance as Licensor may request in obtaining any
         protection of the Licensed Marks, at Licensor's expense.

     5.5 THIRD PARTY UNAUTHORIZED USE OF LICENSED MARKS.

         (A) NOTIFICATION. Each Party agrees to notify the other Party, in
             writing, of any use that it believes may constitute an infringement
             or unfair competition involving Licensed Marks relating to the
             Business Services, or any claim by a third party that use of the
             Licensed Marks by Licensor or Licensee infringes the rights of any
             third party.

         (B) PROTECTION/ENFORCEMENT.

             (i) Notwithstanding any other provision contained herein, as
             between the parties, Licensor shall have the initial right to
             protect and enforce Licensor's intellectual property rights in the
             Licensed Marks, whether registered or unregistered. In the event
             that Licensor fails to protect or enforce Licensor's rights within
             ninety (90) days of Licensor becoming aware of any violation or
             threatened violation of a Licensed Mark, Licensee shall have the
             right to protect and enforce Licensor's rights, in the name of
             Licensee and/or Licensor.

             (ii) Licensor may, in its discretion, initiate any proceedings with
             respect to any claim for actual or threatened infringement or
             dilution of the Licensed Marks. Licensee shall cooperate with
             Licensor in its prosecution of any such claim. Licensor shall
             reimburse Licensee for Licensee's reasonable costs and expenses
             (including reasonable attorneys' fees) incurred in the course of
             its cooperation or any such proceedings. Licensor shall be entitled
             to the entirety of any monetary award resulting from any claim
             prosecuted by Licensor. In the event that Licensor fails to
             initiate any proceeding with respect to any actual or threatened
             infringement or dilution of the Licensed Marks within ninety (90)
             days of Licensor becoming aware of such actual or threatened
             infringement or dilution, Licensee, may, in its discretion,
             initiate any proceedings with respect to any such claim in its name
             and/or the name of Licensor. Licensor shall cooperate with Licensee
             in its prosecution of any such claim. Licensee shall reimburse
             Licensor for Licensor's reasonable costs and expenses

                                       6

<PAGE>

             (including reasonable attorneys' fees) incurred in the course of
             its cooperation or any such proceedings. Licensee shall be entitled
             to the entirety of any monetary award resulting from any claim
             prosecuted by Licensee.

     5.6 MAINTENANCE. Licensor shall maintain its trademark registration in its
         sole discretion and Licensor shall not be obligated to maintain any
         federal or state registrations for the Licensed Marks. Licensee will
         cooperate with Licensor as reasonably requested by Licensor and will
         provide examples of Licensee's use of the Licensed Marks upon
         Licensor's reasonable request. Once every six months, at a time
         designated by Licensor, Licensee will provide to Licensor specimens
         evidencing Licensee's continuing use of each of variations of the
         Licensed Marks.

6. REPRESENTATION, WARRANTY AND INDEMNITY

     6.1 REPRESENTATION AND WARRANTY. Licensor and Licensee each represents and
         warrants that it is authorized to enter into this Agreement and that
         there is no existing agreement with any third party that prevents it
         from granting the rights or complying with its obligations under this
         Agreement. Licensor hereby represents and warrants to Licensee that (a)
         Licensor owns all right, title and interest in and to the Licensed
         Marks, including, without limitation, the registrations set forth in
         Schedule A, (b) to the best of Licensor's knowledge, there are no
         judicial or adversarial administrative proceedings pending or
         threatened against it involving any of the Licensed Marks which: (i)
         challenge ownership or the validity of any of the Licensed Marks, or
         (ii) allege that the use of any of the Licensed Marks in the manner
         contemplated hereunder infringes upon the intellectual property rights
         of any third party, and (c) to Licensor's knowledge, no third party is
         violating any of the Licensed Marks.

     6.2 INDEMNITY. Licensor shall defend, indemnify and hold harmless Licensee,
         its affiliates and their respective officers, employees directors and
         agents from and against any losses, liabilities, claims, damages,
         obligations, payments, costs and expenses, including, but not limited
         to, any amounts paid in settlement thereof and reasonable attorney fees
         arising out of or based upon a breach of Section 6.1. Licensee shall
         defend, indemnify and hold harmless Licensor, its affiliates and their
         respective officers, employees directors and agents from and against
         any losses, liabilities, claims, damages, obligations, payments, costs
         and expenses, including, but not limited to, any amounts paid in
         settlement thereof and reasonable attorney fees arising solely out of
         or based solely upon any third party claim which asserts that
         Licensee's use of the Licensed Marks infringes such third party's
         trademarks or service marks, when Licensee's use is outside the scope
         of the license granted herein.

7. INJUNCTIVE RELIEF/DAMAGES

     7.1 INJUNCTIVE RELIEF. It is expressly agreed that Licensor would suffer
         irreparable harm from a material breach by Licensee of any of its
         covenants contained in this Agreement, and that remedies other than
         injunctive relief cannot fully compensate

                                       7

<PAGE>

         or adequately protect Licensor for such a violation. Therefore, without
         limiting the right of Licensor to pursue all other legal and equitable
         remedies available for violation of this Agreement, in the event of
         actual or threatened material breach by Licensee of any of the
         provisions of this Agreement, Licensee consents that Licensor shall be
         entitled to injunctive or other relief in order to enforce or prevent
         any such violation or continuing violation thereof. Licensee agrees not
         to raise the defense of an adequate remedy at law in any such
         proceeding. Licensee acknowledges and agrees that the provisions of
         this paragraph are reasonably necessary and commensurate with the need
         to protect Licensor against irreparable harm and to protect its
         legitimate and proprietary business interests and property.

         7.2 DAMAGES. except for damages payable by licensee OR LICENSOR to
         third parties for which EITHER PARTY is required to indemnify THE OTHER
         hereunder, Neither Party shall be liable for special, indirect,
         incidental, punitive, consequential or any similar damages (including,
         without limitation, damages for loss of business profits, business
         interruption or any other loss), whether or not caused by or resulting
         from the negligence of such Party even if such Party has been advised
         of the possibility of such damages.

8. MISCELLANEOUS

     8.1 NOTICES. All notices, requests, demands, claims, and other
         communications hereunder will be in writing. Any notice, request,
         demand, claim, or other communication hereunder shall be deemed duly
         given two (2) business days after it is sent, if it is sent by
         registered or certified mail, return receipt requested, postage
         prepaid, and addressed to the intended recipient as set forth below:

         If to Licensor:

         Great American Insurance Company
         580 Walnut Street
         Cincinnati, Ohio 45202
         Attn: General Counsel

         If to Licensee:

         Infinity Property and Casualty Corporation
         2204 Lakeshore Drive
         Birmingham, Alabama 35209
         Attn: General Counsel

         Any Party may send any notice, request, demand, claim, or other
         communication hereunder to the intended recipient at the address set
         forth above using any other means (including personal delivery,
         expedited courier, messenger service,

                                       8

<PAGE>

         telecopy, telex, ordinary mail, or electronic mail), but no such
         notice, request, demand, claim, or other communication shall be deemed
         to have been duly given unless and until it actually is received by the
         intended recipient. Any Party may change the address to which notices,
         requests, demands, claims, and other communications hereunder are to be
         delivered by giving the other Parties notice in the manner herein set
         forth.

     8.2 INDEPENDENT CONTRACTORS. It is understood that the relationship between
         the Parties shall be that of independent contractors, that neither
         Party shall have any right or power to obligate, bind, or commit the
         other to any expense, liability, or matter other than as expressly
         provided and authorized in this Agreement, and that the officers,
         employees, and agents or other representatives of one Party shall not
         be deemed expressly or impliedly the employees, partners, joint
         ventures or agents of the other.

     8.3 COUNTERPARTS. This Agreement may be executed in one (1) or more
         counterparts, each of which shall be deemed an original but all of
         which together will constitute one and the same instrument.

     8.4 ELECTION OF REMEDIES. The remedies provided herein are not exclusive of
         any other lawful remedies which may be available, and a Party's
         election of a remedy shall not constitute an exclusive election of
         remedies.

     8.5 CHOICE OF LAW. This Agreement shall be governed by and construed and
         enforced in accordance with the internal substantive laws of the State
         of Ohio, without regard to conflicts of laws principles.

     8.6 FURTHER ASSURANCES AND COOPERATION. Each Party agrees to execute and
         deliver to the other Party such other instruments, documents, and
         statements, including without limitation, instruments and documents of
         recordation, assignment, transfer, conveyance, and clarification and
         take such other action as may be reasonably necessary or convenient in
         the reasonable discretion of the requesting Party to carry out more
         effectively the purposes of this Agreement.

     8.7 INTERPRETATION AND CONSTRUCTION. The section and paragraph titles are
         intended solely for convenience and shall not affect the construction
         or interpretation of any of the provisions of this Agreement. The
         Parties have participated jointly in the negotiation and drafting of
         this Agreement. In the event an ambiguity or question of intent or
         interpretation arises, this Agreement shall be construed as if drafted
         jointly by the Parties, at arm's length and with the advice and
         participation of counsel, and no presumption or burden of proof shall
         arise favoring or disfavoring any Party by virtue of the authorship of
         any of the provisions of this Agreement. Any reference to any federal,
         state, local, or foreign statute or law shall be deemed also to refer
         to all rules and regulations promulgated thereunder, unless the context
         requires otherwise. The word "including" shall mean including without
         limitation.

                                       9

<PAGE>

     8.8  ENTIRE AGREEMENT. This Agreement (including SCHEDULE A incorporated
          herein) along with the Formation and Separation Agreement, Services
          Agreement, Servicing Agreement for Direct Business and Reinsurance
          Agreement constitutes the entire agreement among the Parties and
          (except with respect to the Formation and Separation Agreement,
          Services Agreement and Reinsurance Agreement) supersedes any prior
          understandings, agreements, or representations by or among the
          Parties, written or oral, to the extent they have related in any way
          to the subject matter hereof. Neither Party, nor any shareholder,
          officer or director thereof, has made or shall be deemed to have made
          to the other, or to any affiliate thereof, any representation or
          warranty with respect to the subject matter of this Agreement except
          as expressly set forth in this Agreement.

     8.9  SEVERABILITY. Any term or provision of this Agreement that is invalid
          or unenforceable in any situation in any jurisdiction shall not affect
          the validity or enforceability of the remaining terms and provisions
          hereof or the validity or enforceability of the offending term or
          provision in any other situation or in any other jurisdiction.

     8.10 SURVIVAL OF RIGHTS AND OBLIGATIONS. Sections 1.2, 4.3, 5.1, 5.2, 5.3,
          6.2, 7 and 8 of this Agreement shall survive the termination of this
          Agreement.

     8.11 AMENDMENT AND WAIVER. No amendment of any provision of this Agreement
          shall be valid unless the same shall be in writing and signed by both
          of the Parties. No waiver by any Party of any default,
          misrepresentation, or breach of warranty or covenant hereunder,
          whether intentional or not, shall be deemed to extend to any prior or
          subsequent default, misrepresentation, or breach of warranty or
          covenant hereunder or affect in any way any rights arising by virtue
          of any prior or subsequent such occurrence. Neither the failure nor
          any delay by any Party in exercising any right, power or privilege
          under this Agreement will operate as a waiver of any right, power or
          privilege under this Agreement. In addition, no notice to or demand on
          one Party will be deemed a waiver or any obligation of such Party or
          of the right of the Party giving such notice or demand to take further
          actions without notice or demand as provided in this Agreement.

     8.12 ASSIGNMENT. This Agreement and Licensee's rights hereunder may be
          assigned by Licensee only upon the prior written consent from
          Licensor, which consent may be given or withheld in the sole
          discretion of Licensor. Any assignment of this Agreement or the rights
          of Licensee by Licensee hereunder not in compliance with this Section
          shall be void ab initio and of no legal effect.

     [Remainder of this page intentionally blank. Signature page to follow.]

                                       10

<PAGE>

         IN WITNESS WHEREOF, the following signatures represent that the Parties
have read this Agreement in its entirety, including the incorporated and
attached Schedule, and by their execution below have agreed to all its terms and
conditions.

LICENSOR:                                 LICENSEE:

GREAT AMERICAN INSURANCE                  INFINITY PROPERTY AND
COMPANY                                   CASUALTY CORPORATION

By:                                       By:
   ---------------------------------         -----------------------------------

Printed:                                  Printed:
        ----------------------------              ------------------------------

Title:                                    Title:
      ------------------------------            --------------------------------

<PAGE>

                                LICENSE AGREEMENT
                                   SCHEDULE A

                                 LICENSED MARKS

GREAT AMERICAN MARKS

<TABLE>
<CAPTION>
TRADEMARK                              REG./SERIAL NO.   REG./FILING DATE    STATUS
--------------------------------------------------------------------------------------
<S>                                        <C>               <C>            <C>
Great American                             1,226,885         02-08-1983     Registered
--------------------------------------------------------------------------------------
Great American & Design                    2,419,899         01-09-2001     Registered
--------------------------------------------------------------------------------------
Great American Insurance
     Companies                             1,586,084         03-06-1990     Registered
--------------------------------------------------------------------------------------
Great American Insurance
     Companies & Design                    2,435,758         03-13-2001     Registered
--------------------------------------------------------------------------------------
Great American Insurance Group             2,644,054         10-29-2002     Registered
--------------------------------------------------------------------------------------
Great American Insurance Group
     & Design                             76/176,179         12-05-2000     Pending
--------------------------------------------------------------------------------------
Great American Driverclub
     & Design                              2,499,142         10-16-2001     Registered
--------------------------------------------------------------------------------------
Great Additions                            1,829,010         03-29-1994     Registered
--------------------------------------------------------------------------------------
Great Choices                              2,098,884         09-23-1997     Registered
--------------------------------------------------------------------------------------
Great Drivers                              1,889,438         04-11-1995     Registered
--------------------------------------------------------------------------------------
Great Drivers Select                       2,128,658         01-13-1998     Registered
--------------------------------------------------------------------------------------
Great Places                               1,825,958         03-08-1994     Registered
--------------------------------------------------------------------------------------
Great Quote                                2,572,282         05-21-2002     Registered
--------------------------------------------------------------------------------------
Great Rewards                              2,648,646         11-12-2002     Registered
--------------------------------------------------------------------------------------
Design (Great American Logo)               2,553,139         03-26-2002     Registered
--------------------------------------------------------------------------------------
Drive with Greater Confidence              2,646,523         11-05-2002     Registered
--------------------------------------------------------------------------------------
</TABLE>

PERSONAL LINES MARKS

<TABLE>
<CAPTION>
TRADEMARK                              REG./SERIAL NO.   REG./FILING DATE    STATUS
--------------------------------------------------------------------------------------
<S>                                        <C>               <C>            <C>
Driverclub & Design                        2,636,426         10-15-2002     Registered
--------------------------------------------------------------------------------------
American Spirit                            1,536,767         04-25-1989     Registered
--------------------------------------------------------------------------------------
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
TRADEMARK                              REG./SERIAL NO.   REG./FILING DATE    STATUS
--------------------------------------------------------------------------------------
<S>                                        <C>               <C>            <C>
American Spirit & Design                   1,767,639         04-27-1993     Registered
--------------------------------------------------------------------------------------
Navigator                                  1,091,962         05-23-1978     Registered
--------------------------------------------------------------------------------------
Select Driver                              1,381,776         02-04-1986     Registered
--------------------------------------------------------------------------------------
Super Additions                            1,984,729         07-02-1996     Registered
--------------------------------------------------------------------------------------
Level of Relationship                      2,258,993         07-06-1999     Registered
--------------------------------------------------------------------------------------
Gold Protection Plan                       2,430,296         02-20-2001     Registered
--------------------------------------------------------------------------------------
The Safe Driver Network                    1,647,652         06-11-1991     Registered
--------------------------------------------------------------------------------------
Your Driving Partner                      76/012,022         03-29-2000     Pending
--------------------------------------------------------------------------------------
Steering Column                            2,599,728         07-23-2002     Registered
--------------------------------------------------------------------------------------
Transmission                              76/437,549         08-02-2002     Pending
--------------------------------------------------------------------------------------
A Relationship that Pays                   2,517,383         12-11-2001     Registered
--------------------------------------------------------------------------------------
</TABLE>

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