AMENDMENT FIVE to the ADMINISTRATIVE SERVICES AGREEMENT between LIFE OF THE SOUTH INSURANCE COMPANY AND AFFILIATES ("Administrator") and NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA. ("The Insurance Company") Original Agreement Effective Date: August 1, 2002

This Fifth Amendment (the "Amendment"), entered into effective February 1,2012 ("Amendment Effective Date"),amends that certain Administrative Services Agreement by and between National Union Fire lnsurance Company of Pittsburgh, Pa. ("The Insurance Company") and Life of the South Insurance Company and Affiliates ("Administrator") dated August 1, 2002, as amended by Amendment One dated February 1, 2003 ("Amendment #1"), Amendment Two dated October 1, 2003 ("Amendment #2"), Amendment Three dated August 1, 2008 ("Amendment #3"), and Amendment Four dated January 31, 2012 ("Amendment #4") (hereafter, the Agreement and Amendments #1, #2, #3, and #4 are referred to as the "Agreement").

WHEREAS, The Insurance Company and LiveTravel desire to have Administrator provide certain administrative functions and services on behalf of LiveTravel, and Administrator wishes to provide such services with respect to LiveTravel non-insurance products and services; and

WHERAS, the parties wish to add LiveTravel as a party to the Agreement to establish an arrangement under which Administrator performs administrative functions and services in connection with LiveTravel's non-insurance products and services.

NOW, THEREFORE, in consideration of the mutual covenants and agreements contained herein, and for other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereto agree as follows:

1^st day of August, 2002, by and between Life of the South Insurance Company, a Georgia corporation with a principal place of business at 10151 Deerwood Park Blvd., Bldg. 100, Suite 330, Jacksonville, FL 32256 and its affiliates (hereafter "Administrator"), National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance corporation with its principal place of business at New York, NY (hereafter "The Insurance Company") and LiveTravel, Inc., a Wisconsin corporation with a place of business at 3300 Business Park Drive, Stevens Point, WI 54482(hereafter "LiveTravel").

This Agreement authorizes Administrator to perform administrative functions and services in connection with certain insurance products (hereafter the "Insurance Products") made available and offered by The Insurance Company specified in Exhibit C and certain non-insurance products and services (hereafter the Non-Insurance Products") made available and offered by LiveTravel specified in Exhibit C-1, both exhibits attached to and made a part of this Agreement, as they may be amended from time to time at the sole discretion of the Insurance Company and LiveTravel, as applicable.

With respect to the Insurance Products specified in Exhibit C and any other insurance products added to Exhibit C by the Insurance Company that are made available and offered by The Insurance Company, Administrator shall perform the administrative functions and services indicated in this Agreement, all in accordance with the terms and conditions stated in this Agreement.

With respect to the Non-Insurance Products specified in Exhibit C-1 and any other non-insurance products added to Exhibit C-1 by LiveTravel that are made available and offered by LiveTravel, Administrator shall perform the administrative functions and services indicated in this Agreement, all in accordance with the terms and conditions stated in this Agreement.

At all times during the term of this Agreement, Administrator shall maintain in force all licenses, authorizations or certificates of authority as may be required by applicable laws to authorize Administrator to perform activities pursuant to this Agreement. Administrator shall provide copies of such license, authorizations or certificates of authority to The Insurance Company and LiveTravel upon request.

The Insurance Company and LiveTravel shall establish or have established separate bank accounts (the "Account(s)") in the name of The Insurance Company and LiveTravel for the receipt of premium and fees, as applicable. The Administrator shall not have access to the Accounts. The Administrator shall not otherwise have any power or authority to initiate transfers or draw checks on or against the Accounts.

Two separate bank accounts (the "Administrator Expense Account(s)") shall be established or has been established by the Administrator in the Administrator's name on behalf of The Insurance Company and LiveTravel for the purpose of paying normal administrative expenses, including but not limited to agent licensing fees and client administrative fees, incurred by the Administrator in providing the administrative services under this Agreement. The Administrator's compensation for its services under the Agreement shall not be paid out of the Administrator Expense Account. The Administrator's compensation shall be paid as set out in Exhibit C, part 2, or Exhibit C-1, as amended. The Insurance Company and LiveTravel shall fund the applicable Administrator Expense Accounts. The Administrator shall have access to the Administrator Expense Accounts in a manner acceptable to The Insurance Company and LiveTravel. The Administrator shall account to The Insurance Company and LiveTravel for each payment or withdrawal made from the applicable Administrator Expense Account on a monthly basis. Such accounting shall be provided to The Insurance Company and LiveTravel on or before the fifteenth (15¹") day after the end of each month in which expenses are paid from the applicable Administrator Expense Account. Such accounting shall include documentation supporting each expense paid from the applicable Administrator Expense Account.

Administrator shall remit all deposited net premium and fees (excluding all disbursements listed in Section 4.3) to The Insurance Company and LiveTravel within fifteen (15) days from the end of the month in which the premium and fees are received by Administrator. Payments to The Insurance Company, LiveTravel, or brokers shall also be made within this timeframe.

10.Article V is hereby amended to change "Insurance Products" to "Insurance Products and Non-Insurance Products" and to change "The Insurance Company" to "The insurance Company and LiveTravel." In addition, "insurance coverage" is amended to read "insurance coverage and membership."

Administrator shall, upon receipt of instructions from The Insurance Company or LiveTravel, promptly deliver all policies, certificates booklets to the persons to which The Insurance Company or LiveTravel has directed delivery. All costs related to Delivery of Material not included in Administrator's compensation outlined in Exhibit C, part 2, or Exhibit C-1, are the responsibility of The Insurance Company and LiveTravel. Administrator shall adhere to the service standards outlined in Exhibits A and B of this Agreement.

Administrator shall distribute or use only such advertising materials pertaining to insurance being offered by The Insurance Company and non-insurance being offered by LiveTravel as has been approved by The Insurance Company and LiveTravel, in writing, in advance of such use. Administrator shall make no changes to such approved advertising material, whether bydeletion, addition or otherwise, without the express written consent of The Insurance Company or LiveTravel, as applicable.

In consideration of the performance by Administrator of the foregoing administrative functions and its other obligations pursuant to this Agreement, Administrator shall be paid the compensation set forth in the compensation schedule contained in Exhibit C, part 2, or Exhibit C-1, attached to and made part of this Agreement, in accordance with all the terms and conditions contained in this Agreement. Administrator shall not make or collect from members, policyholders, insureds or covered individuals additional charges for service, to the extent that such services have been contracted for and paid for by The Insurance Company or LiveTravel pursuant to this Agreement.

The parties to this Agreement shall comply with federal, state or local laws, rules, regulations, and other applicable legal requirements relating to the confidentiality and privacy of information about insurance applicants, claimants, insureds, Insurance Company customer account numbers, access codes, non-insurance applicants, LiveTravel, membership account numbers, and similar items relating to a credit card account, deposit account, mortgage account, or transaction account of a consumer.

Without limiting of the foregoing, The insurance Company, LiveTravel and the Administrator agree that each shall strictly comply with the provisions of any laws and regulations requiring confidential treatment of information and records determined to be non-public personal information under such laws and regulations, including, without limitation, the Gramm-Leach-Bliley Act, any other federal and state privacy laws, and The Insurance Company's and LiveTravel's written privacy policy, as may be amended from time to time and provided to Administrator by The Insurance Company and LiveTravel, and, upon notice, any other privacy requirements that may be necessary to protect nonpublic personal information that comes into the possession or custody of either The Insurance Company, LiveTravel or the Administrator. Administrator represents that it will comply with the applicable provisions of any privacy laws, The Insurance Company's privacy policy, LiveTravel's privacy policy and any such other privacy requirements and will not disclose, share, transfer, use or reuse any non-public personal information of customers, except as authorized in writing by The Insurance Company and LiveTravel. Any information provided by or transferred from The Insurance Company and/or LiveTravel to Administrator shall remain The Insurance Company's or LiveTravel's exclusive property, as applicable, and shall not be inextricably commingled with information of other clients, contractors or subcontractors of Administrator. Information so transferred to Administrator shall be returned to The Insurance Company and LiveTravel within thirty (30) days following termination of this Agreement for any reason.

16.Under Article X Accountings, Reports, Books and Records, wherever the terms "The Insurance Company" appears it is hereby changed to "The Insurance Company and LiveTravel," and the term "premiums" is hereby changed to "premiums and membership fees."

The Insurance Company and LiveTravel shall indemnify and hold Administrator, its directors, officers, employees and agents harmless against any claim, loss, direct or indirect vicarious liability, suit or judgment (including attorneys' fees and costs of defense or investigation related thereto) which arises as a result of the error, omission, negligence, wrongful action or fault of The Insurance Company or LiveTravel or their respective directors, officers, employees, or agents, or which results from any conduct by The Insurance Company or LiveTravel which results from a material breach of this Agreement by The Insurance Company or LiveTravel or failure to comply with any federal, state, local or other governmental or regulatory agency's law, regulation statute, or ordinance, or misrepresentation of The Insurance Company or LiveTravel or their respective directors, officers, employees or agents.

Administrator shall indemnify and hold The Insurance Company, LiveTravel, and their directors, officers, employees and agents harmless against any claim, loss, liability, suit or judgment (including attorneys' fees and costs of defense or investigation related thereto) which arises as a result of the error, omission, negligence, misrepresentation, wrongful action or fault of Administrator or its directors, officers, employees or agents, or which results from any conduct by Administrator exceeding its authority under this Agreement or which results from a material breach of this Agreement by Administrator.

Except as otherwise specified herein, any notice or notification required under the terms of this Agreement shall be in writing and sent via United States registered or certified mail, return receipt requested, postage prepaid and properly addressed:

All other terms and conditions of the Agreement shall remain in full force and effect, except as amended herein. To the extent that the terms of this Amendment conflict with the terms of the Agreement, the terms included in this Amendment shall be controlling.

Counterpart signature pages to this Amendment transmitted by facsimile transmission, by electronic mail in "portable document format" (".pdf") form, or by any other electronic means intended to preserve the original graphic and pictorial appearance of a document, will have the same effect as physical delivery of the paper document bearing an original signature.

IN WITNESS WHEREOF the parties, by their respective duly authorized officers, have executed this Amendment as of the Amendment Effective Date in duplicate, each of which shall be deemed an original but both of which together shall constitute one and the same instrument

Medical Assistance: provides customers/travelers with medical assistance from physician/dentist referrals to coordinating medical evacuations, repatriations and visitor to bedside travel arrangements.

Emergency Travel Assistance: provides 24/7 assistance for emergency travel arrangements, including flight re-bookings, hotel bookings and ground transportation due to delays, cancellations or emergencies while customers are in travel status.

VIP Personal Assistance Services: provides personal assistance coordinators who are available 24/7 to assist customers/travelers with personalized customer care including restaurant referrals, unique gift ideas, event schedules/ticketing and up-to-the-minute weather, sports and stock information.

Worldwide Travel Assistance: provides pre-trip travel assistance and assistance while traveling. Services may include visa/passport/inoculation information to emergency cash transfer assistance to lost baggage assistance.

Personal Security Assistance: provides personal security assistance for emergency or security situations as well as provides pro-active email alert messaging and on-line security web information. In additional, provides support and assistance when identity theft is suspected. Assists customers in contacting the appropriate financial institutions and credit bureaus to assist with identity restoration.

a. In consideration of the performance of administrative functions and services by Administrator in accordance with the Agreement of which this Exhibit is part, LiveTravel will pay Administrator, within thirty (30) days of receipt of a detailed written invoice from Administrator (the "Per Issue Fee' and the "Administrative Service Fee"), as indicated below, subject to the terms and conditions contained in the Agreement (Paragraph 4.3.3.) and this Exhibit.