Everen Capital Corp – Material Contracts – BamSEC

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from 8-K 1 page Form of Voting Agreement

from 8-K ~20 pages Stock Option Agreement

from 10-K ~10 pages 1996 Employee Periodic Payroll Stock Order Plan

from 10-K ~5 pages 401k and Employee Stock Ownership Plan

from 10-K405 ~20 pages Restrictive Stock Incentive

from 10-K405 ~5 pages Non-Qualified Stock Option

from 10-K405 ~5 pages Non-Qualified Stock Option

from 10-K405 1 page Clarification Agreement Re Joint Venture Agreement

from 10-K405 1 page Amend to Joint Venture Agreement

from 10-K405 1 page 5th Amend of Everen Capital Corp 401k and Esop

from 10-K405 1 page 4th Amend of Everen Capital Corp 401k and Esop

from 10-K405 ~5 pages 3rd Amend of Everen Capital Corp 401k and Esop

from 10-K405 1 page 2nd Amend of Everen Capital Corp 401k and Esop

from 10-K405 1 page 1st Amend of Everen Capital Corp 401k and Esop

from 10-K 1 page 2nd Amendment 2/7/97 James R. Boris

from 10-K 1 page 2nd Amendment 2/7/97 Stephen G. McConahey

from S-1/A ~5 pages Def. Comp. Agreement

from S-1/A ~5 pages Voluntary Def. Comp. Plan

from S-1/A ~20 pages Restricted Stock Incentive Plan

from S-1/A ~10 pages Payroll Stock Purchase Plan