EXHIBIT 10 (b)


                  ADDENDUM NO. 1 TO CLAIM ACCOUNT AGREEMENT


 GE Reinsurance  Corporation, Lincolnshire,  Illinois  ("GE Re")  and  others
 entered into a Claim Account Agreement dated February 1, 2001 with  Hallmark
 Claims Services, Inc., Dallas, Texas ("HCS").

 GE Re and HCS hereby agree that this Agreement as it pertains only to GE  Re
 and HCS is amended as of February 1, 2001 to add the following paragraph:

 8.  In the event that a dispute or cause of action shall arise between GE Re
 and HCS with respect to  the interpretation or the  performance of GE Re  or
 HCS under the Agreement,  GE Re and  HCS agree that  the courts of  Illinois
 shall have exclusive jurisdiction over such dispute or cause of action.  HCS
 hereby agrees to submit  to the jurisdiction of  the courts of Illinois  for
 resolution of such dispute or cause of action.

 All other terms and conditions remain unchanged.

 GE Reinsurance Corporation         Hallmark Claims Services, Inc.


 By:                                By:
 Date:                              Date: