Document:

Restricted Stock Agreement

 Exhibit 10.66 
 Fitch Award Agreement 
 STATE AUTO FINANCIAL CORPORATION 
 RESTRICTED STOCK AGREEMENT 
 UNDER
THE 
 AMENDED AND RESTATED EQUITY INCENTIVE COMPENSATION PLAN 
 This Restricted Stock Agreement (this “Agreement”) is made as of November 5, 2007 (the “Award
Date”). The Compensation Committee of State Auto Financial Corporation, an Ohio corporation (the “Company”), hereby awards to Clyde H. Fitch {“Mr. Fitch”) 7,000 common shares,
without par value, of the Company (the “Restricted Shares”), The Restricted Shares are awarded pursuant to the terms of the Company’s Amended and Restated Equity Incentive Compensation Plan (the
“Plan”) and shall be subject to all of the provisions of the Plan, which are hereby incorporated herein by reference, and shall be subject to the following provisions of this Agreement. Capitalized terms used in this
Agreement which are not otherwise defined herein shall have the meanings ascribed to such terms in the Plan. 
 §1.
Award of Restricted Shares. The purchase price for the Restricted Shares shall be zero. Following the execution and delivery of this Agreement by Mr. Fitch, the Company shall cause a share certificate evidencing the Restricted Shares to
be issued in Mr. Fitch’s name (the “Share Certificate”). 
 §2. Forfeiture. The
Restricted Shares shall be forfeited to the Company if Mr. Fitch’s employment with the Company terminates for any reason, (other than death or disability), prior to the third anniversary of the Award Date (the “Lapse
Date”), or if Mr. Fitch violates any provision of this Agreement. 
 §3. Transfer Restrictions.
None of the Restricted Shares, nor any beneficial interest therein, shall be sold, assigned, pledged or otherwise transferred, voluntarily or involuntarily, prior to the Lapse Date. Thereafter, the Restricted Shares may be transferred only in
compliance with all applicable federal and state securities laws. Any transfer or attempted transfer in violation of the foregoing restrictions shall be null and void. 
 §4. Acceptance of Award. The award of the Restricted Shares must be accepted by Mr. Fitch within 30 days after the Award Date by executing this Agreement. Mr. Fitch shall
not have any rights with respect to the Restricted Shares awarded under this Agreement unless and until Mr. Fitch has executed this Agreement, delivered a fully executed copy thereof to the Secretary of the Company, and otherwise complied with
the applicable terms and conditions of the award of the Restricted Shares. 
 §5. Rights As Shareholder. Subject
to the terms of this Agreement, on and after the issuance of the Share Certificate to Mr. Fitch, Mr. Fitch shall have all of the rights of a shareholder of the Company with respect to the Restricted Shares, including the right to vote the
Restricted Shares and the right to receive any dividends or other distributions with respect to the Restricted Shares, but subject, however, to the restrictions on transfer set forth in this Agreement. Notwithstanding the foregoing, any cash
dividends or other cash distributions paid on the Restricted Shares prior to the Lapse Date shall be automatically reinvested in common shares of the Company (the “Dividend Shares”) pursuant to the terms of the Company’s
dividend reinvestment and stock purchase plan and shall be held in an account with National City Bank, or its successor, under Mr. Fitch’s name. Until the Lapse Date, the Dividend Shares shall be subject to the restrictions on transfer set
forth in §3, above. However, the Dividend Shares shall not be subject to any risk of forfeiture. 

 §6. Escrow of Shares. The Share Certificate shall be held by the Company,
together with a stock power endorsed in blank, which shall be executed by Mr. Fitch concurrently with his execution of this Agreement, until the earlier of the Lapse Date or the termination of Mr. Fitch’s employment with the Company.
If the Restricted Shares are forfeited to the Company under §2, above, then the Company shall cause the Restricted Shares to be transferred to the Company. If the Restricted Shares are not forfeited to the Company, then the Company shall
deliver the Share Certificate and stock power to Mr. Fitch. 
 §7. Tax Consequences. Mr. Fitch
understands that he (and not the Company) shall be responsible for his own federal, state, local or foreign tax liability and any of his other tax consequences that may arise as a result of the transactions contemplated by this Agreement, including
without limitation filing an election under Section 83(b) of the Internal Revenue Code of 1986, as amended (the “83(b) Election”), if he deems it to be appropriate. Mr. Fitch shall rely solely on the determinations
of his tax advisors or his own determinations, and not on any statements or representations by the Company or any of its agents, with regard to all such tax matters. Mr. Fitch shall notify the Company in writing if Mr. Fitch files the
83(b) Election with the Internal Revenue Service within 30 days from the date of his execution of this Agreement. The Company intends, in the event it does not receive from Mr. Fitch evidence of the 83(b) Election filing by Mr. Fitch, to
claim a tax deduction for any amount which would be taxable to Mr. Fitch in the absence of such an election. If the Company is required to withhold or pay any taxes with respect to the issuance or vesting of the Restricted Shares,
Mr. Fitch shall pay to the Company the amount of such required withholding or payment promptly following the Company’s request. 
 §8. Compliance with Securities Laws. No Restricted Shares shall be deliverable under this Agreement or the Plan except in compliance with all applicable federal and state securities laws and regulations.
The Company may require Mr. Fitch (a) to represent and warrant to and agree with the Company in writing that Mr. Fitch is acquiring the Restricted Shares without a view to distribution thereof, and (b) to make such additional
representations, warranties and agreements with respect to the investment intent of Mr. Fitch as the Company may reasonably request. 
 [Remainder of page intentionally blank] 
  

 2 

 The Share Certificate shall be subject to such stop-transfer orders and other
restrictions as the Company may deem advisable under the rules, regulations, and other requirements of the Securities and Exchange Commission, any stock exchange upon which the Company’s common shares are then listed, and any applicable federal
or state securities laws, and the Company may cause a legend or legends to be put on the Share Certificate to make appropriate reference to such restrictions. 
  

			
	 STATE AUTO FINANCIAL CORPORATION

		
	 By
	 	 /s/ Robert P. Restrepo, Jr.

		 	 Robert P. Restrepo, Jr., Chairman, President and Chief Executive Officer,

		 	 (as authorized and approved by the Compensation Committee of the Board of Directors)

 Acceptance of Agreement 
 Mr. Fitch hereby: (a) acknowledges receiving a copy of the Plan and represents that Mr. Fitch is familiar with all provisions of the Plan; and (b) accepts this Agreement and
the award of the Restricted Shares under this Agreement subject to all terms, provisions, and restrictions of both the Plan and this Agreement. 
  

	
	 /s/ CLYDE H. FITCH

	 CLYDE H. FITCH

	 Dated as of: 12/3, 2007

  

 3Second Amendment to the Outside Directors Restricted Share Unit Plan

 Exhibit 10.72 
 SECOND AMENDMENT 
 TO THE 
 OUTSIDE DIRECTORS RESTRICTED SHARE UNIT PLAN 
 Background Information

  

	A.	 State Auto Financial Corporation (the “Company”) previously adopted and maintains the Outside Directors Restricted Share Unit Plan (the
“Plan”) for the benefit of the Company’s outside Directors. 

  

	B.	 The Company desires to amend the Plan to comply with final regulations under Section 409A of the Internal Revenue Code of 1986, as amended (the
“Code”). 

  

	C.	 The Company also desires to amend the Plan to clarify the date used to determine fair market value for purposes of Plan distributions.

  

	D.	 Section 7.1 of the Plan permits the Company’s Board of Directors to amend the Plan and the Board authorized the amendment related to Code
Section 409A at a meeting held on November 9, 2007. 

 Amendment of the Plan 
 The Plan is hereby amended as follows effective January 1, 2009, unless another effective date is indicated herein: 
  

	1.	 The first sentence of the third paragraph in the Background Information Section of the Plan is hereby amended in its entirety to read as follows:

 The Plan is intended to comply with the requirements of The American Jobs Creation Act of 2004 and
Section 409A of the Internal Revenue Code of 1986, as amended (the “Code”). 
  

	2.	 Section 1.1 (p) of the Plan is hereby deleted in its entirety and the remaining subsections re-lettered as appropriate. 

 

	3.	 The third sentence in Section 5.2 of the Plan is hereby amended in its entirety to read as follows: 

 Furthermore, any change with respect to a Distribution Option or Form of Payment Option cannot be effective until at least twelve
(12) months after such election and a change in Distribution Option must delay such distribution for at least five (5) years beyond the initial distribution date. 
  

	4.	 The second sentence of Section 5.3 of the Plan is hereby amended in its entirety to read as follows: 

 In addition, a Participant may receive payment of amounts credited to his Account upon the occurrence of an “unforeseeable
emergency,” as further described in Section 5.4. 

	5.	 Effective August 15, 2008, the second and third sentences of Section 5.3(a)(ii) of the Plan are hereby amended by replacing each reference therein to
“Corresponding Valuation Date” with “close of the Payment Processing Date”. 

  

	6.	 Effective August 15, 2008, Section 5.5(a) of the Plan is hereby amended in its entirety to read as follows: 

 If a Participant has elected the cash Form of Payment Option, the amount of cash payable to the Participant shall be equal to the Value of
a Common Share as of the close of the Payment Processing Date multiplied by the number of Restricted Share Units to which payment is due on that Payment Processing Date. 
  

	7.	 All other provisions of the Plan shall remain in full force and effect. 

  

			
	STATE AUTO FINANCIAL CORPORATION
		
	 By:
	 	 /s/ James A. Yano

	 Title:
	 	 VICE PRESIDENT, GENERAL COUNSEL, CORPORATE SECRETARY

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