Common use of Effective Upon Execution Clause in Contracts

Effective Upon Execution. This Agreement shall become effective upon the execution hereof by Banks, Agent and Company and the issuance by Company of the Revolving Credit Notes, the Term Notes and the Swing Line Note hereunder, and shall remain effective until the Indebtedness has been repaid and discharged in full, all Letters of Credit have expired and no commitment to extend any credit hereunder or under any of the other Loan Documents, whether optional or obligatory, remains outstanding. WITNESS the due execution hereof as of the day and year first above written. COMERICA BANK, as Agent MCE COMPANIES, INC. By: /s/ Mich▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ By: /s/ John ▇. ▇▇▇▇▇▇▇ --------------------------------- ------------------------------ Mich▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ John ▇. ▇▇▇▇▇▇▇ ▇▇▇: Vice President Its: President One Detroit Center 500 ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ Floor MC 3244 Detroit, Michigan 48226 Attention: Metropolitan Loan Division - B BANKS: COMERICA BANK Operations Office: Comerica Bank By: /s/ Mich▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ ------------------------------ One Detroit Center Mich▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇. Its: Vice President 6th ▇▇▇▇▇ ▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ention: Mich▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ ▇▇▇ephone No. (313) ▇▇▇-▇▇▇▇ ▇▇▇simile No. (313) ▇▇▇-▇▇▇▇ NATIONAL CITY BANK OF MICHIGAN/ILLINOIS Operations Office: By: /s/ Hors▇ ▇▇▇▇▇▇▇ ▇▇▇1 South Worth ------------------------------ Birm▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ention: Hors▇ ▇▇▇▇▇▇▇ Its: Vice President Telephone No. (248) ▇▇▇-▇▇▇▇ ------------------------------ Facsimile No. (248) ▇▇▇-▇▇▇▇ EXHIBIT A REQUEST FOR REVOLVING CREDIT ADVANCE No. Dated: ---------------------- --------------------------- To: Comerica Bank - Agent Re: Credit Agreement by and among Comerica Bank (individually and as Agent), the lenders from time to time parties thereto (collectively, "Banks"), and MCE Companies, Inc. ("Company") dated as of July 29, 1999 (as amended from time to time, the "Agreement"). Pursuant to the Agreement, the Company requests an Advance from Banks as follows:

Effective Upon Execution. This Agreement shall become effective upon the execution hereof by Banks, Agent and Company and the issuance by Company of the Revolving Credit Notes, the Term Notes and the Swing Line Note hereunder, and shall remain effective until the Indebtedness has been repaid and discharged in full, all Letters of Credit have expired full and no commitment to extend any credit hereunder or under any of the other Loan Documents, whether optional or obligatory, remains outstanding. WITNESS the due execution hereof as of the day and year first above written. COMERICA BANK, as Agent MCE COMPANIESNORTH POINTE HOLDINGS CORPORATION, INC. a Michigan corporation By: /s/ Mich▇▇▇ ▇. :__________________________ By:______________________________ ▇▇▇▇▇▇▇▇▇ By: /s/ John ▇. ▇▇▇▇▇▇▇ --------------------------------- ------------------------------ Mich▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ John ▇. ▇▇▇▇▇▇▇ ▇▇▇: Vice President Its: President One Detroit Center 500 ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ Floor MC 3244 Detroit, Michigan 48226 Attention: Metropolitan Loan Division - B BANKS: COMERICA BANK Operations Office: Comerica Bank By: /s/ Mich▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ ------------------------------ One Detroit Center Mich▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇. Its: Vice President 6th ▇▇▇▇▇ ▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ention: Mich▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ ▇▇▇ephone No▇▇ ▇. (313) ▇▇▇-▇▇▇▇ ▇▇▇simile No. (313) ▇▇▇-▇▇▇▇ NATIONAL CITY Its: First Vice President Its: Chief Financial Officer BANKS: COMERICA BANK OF MICHIGAN/ILLINOIS Operations Office: By: /s/ Hors▇ :_________________________________ ▇▇▇▇▇▇▇ ▇. ▇▇1 South Worth ------------------------------ Birm▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ention: Hors▇ ▇▇▇▇▇▇▇ Its: First Vice President Telephone No. (248) ▇▇▇-▇▇▇▇ ------------------------------ Facsimile No. (248) ▇▇▇-▇▇▇▇ JPMORGAN CHASE BANK N.A. By:________________________________ Its:_______________________________ FIFTH THIRD BANK By:________________________________ Its:_______________________________ EXHIBIT A "A" REQUEST FOR REVOLVING CREDIT ADVANCE No. .______________ Dated: ---------------------- --------------------------- :____________, 2006 To: Comerica Bank - Agent Re: Second Amended and Restated Credit Agreement by and among Comerica Bank (individually and as Agent), the lenders from time to time parties thereto (collectively, "Banks"), and MCE Companies, Inc. North Pointe Holdings Corporation ("Company") dated as of July 29June 30, 1999 2006 (as amended from time to time, the "Agreement"). Pursuant to the Agreement, the Company requests an Advance from the Revolving Credit Banks as follows: A. Date of Advance:_______________________ B. Amount of Advance: $________________________ Comerica Bank Account No. ______________ Other: _________________________________ ________________________________________