1) Not specifically requested by TMITH UW.2) Rates (vs expiring policy rates) does not deteriorate by more than 20% for Japanese accounts and 10% for local accounts.3) Limit does not increase by more than 20% for Japanese accounts and 10% for local accounts.4) Incurred loss ratio for the past 5 years not more than 100%5) Policies NOT ceded to TMNF.