First Insurance: Port of Sale P.O. Box 306359 St. Thomas VI 00803-6359 340-779-1799 ENCLOSURE RENEWAL AGREEMENT Named Insured: Financial Trust Co. Insurance Company: Tyser MM04 Expiring Policy Number: MM04-0374 Expiring Policy Date: 11/10/10 Renewal Effective Date: 11/10/10 Renewal Premium: $8811.25 IN CONSIDERATION OF THE PREMIUM CHARGED, IT IS HEREBY UNDERSTOOD AND AGREED THAT THE INSURANCE COVERAGE PROVIDED BY THE RENEWAL OF THE ABOVE POLICY IS SUBJECT TO THE SAME TERMS AND CONDITIONS AS THE EXPIRING POLICY. THESE TERMS AND CONDITIONS INCLUDE THE DECLARATIONS MADE AT THE TIME THE PREVIOUS APPLICATION WAS TAKEN AND THAT INFORMATION IS HEREIN INCORPORATED AS THE BASIS FOR THE RENEWAL OF THIS POLICY OF INSURANCE. ACCEPTED (NAMED INSURED) DATE EFTA01221709