EXHIBIT 4(A) SPECIMEN CERTIFICATE OF COMMON STOCK OF REGISTRANT Front: - ------------------------------------------------------------------------------ | | | NUMBER SHARES | | ----------- ----------- | | | FC | | | | | ----------- ----------- | | Incorporated under the laws COMMON STOCK | | of the state of Delaware | | | | FOREMOST CORPORATION OF AMERICA | | This certificate is transferable in | | Cleveland or in the city of New York | | | | CUSIP 345469 10 0 | | ------------------------------------------------------------ | | | reverse side for certain definitions | | | | | | | | THIS CERTIFIES THAT IS THE OWNER OF | | | | | | | | SPECIMEN | | | | | | | | | | | ------------------------------------------------------------ | | FULL PAID AND NON-ASSESSABLE SHARES OF COMMON STOCK, | | PAR VALUE $1 PER SHARE, OF | | | | FOREMOST CORPORATION OF AMERICA, TRANSFERABLE UPON THE BOOKS OF THE | | CORPORATION BY THE HOLDER HEREOF IN PERSON OR BY DULY AUTHORIZED ATTORNEY | | UPON SURRENDER OF THIS CERTIFICATE PROPERLY ENDORSED. THIS CERTIFICATE | | IS NOT VALID UNLESS COUNTERSIGNED AND REGISTERED BY THE TRANSFER AGENT AND | | REGISTRAR. WITNESS THE FACSIMILE SEAL OF THE CORPORATION AND THE FACSIMILE | | SIGNATURES OF ITS DULY AUTHORIZED OFFICERS. | | DATED: | | | | Paul D. Yared Richard L. Antonini | | ---------------------- ----------------------- | | Senior Vice President, Chairman of the Board, | | Secretary and President and | | General Counsel Chief Executive Officer | | | | ------------- | | | Corporate | | | | Seal | | | ------------- | - ------------------------------------------------------------------------------ Keycorp Shareholder Services, Inc. (Cleveland, Ohio) Transfer Agent and Registrar By: - --------------------------------- Authorized Signature EXHIBIT 4(A) (CONTINUED) SPECIMEN CERTIFICATE OF COMMON STOCK OF REGISTRANT (CONTINUED) Back: - ------------------------------------------------------------------------------ The following abbreviations, when used in the inscription on the face of this certificate, shall be construed as though they were written out in full according to applications or regulations: TEN COM - as tenants in common UNIF GIFT MIN ACT Custodian TEN ENT - as tenants by entireties ------- ------ JT TEN - as joint tenants with right (Cust) (Minor) of survivorship and not as under Uniform Gifts to tenants in common Minors Act ------------- (state) Additional abbreviations may also be used though not in above list. FOR VALUE RECEIVED, HEREBY SELL, ASSIGN AND TRANSFER UNTO --------------- Please insert social security number or other identifying number of assignee - ------------------------------ | | - ------------------------------------------------------------------------------ - ------------------------------------------------------------------------------ (Please print or type name and address, including zip code, of assignee) - ------------------------------------------------------------------------------ - ------------------------------------------------------------------------------ - ------------------------------------------------------------------------SHARES OF THE CAPITAL STOCK REPRESENTED BY THE WITHIN CERTIFICATE, AND DO HEREBY IRREVOCABLY CONSTITUTE AND APPOINT - ----------------------------------------------------------------------ATTORNEY TO TRANSFER THE SAID STOCK ON THE BOOKS OF THE WITHIN-NAMED CORPORATION WITH FULL POWER OF THE SUBSTITUTION IN THE PREMISES. DATED --------------------------- ------------------------------------------------------------------ NOTICE: The signature to this assignment must correspond with the name as written upon the face of the certificate in every particular, without alteration or enlargement or any change whatever.