Item 2.05. Costs Associated with Exit or Disposal Activities

On March 19, 2009, the Board of Directors of Unitrin, Inc. ("Unitrin") approved a plan for its subsidiary, Fireside Bank ("Fireside"), to exit the automobile finance business. Over the period in which the plan will be completed, Unitrin currently estimates that Fireside will incur early lease termination costs ranging from $3 million to $6 million after tax and employee termination costs ranging from $6 million to $10 million after tax. The amounts and timing of these costs are subject to various contingencies and uncertainties, the outcomes of which are not possible to predict with accuracy at the present time. Unitrin currently expects that the charges to be incurred will result in total net cash expenditures in the range of approximately $9 million to $16 million. A description of the plan, the background facts and circumstances and the estimated time frame for completion of the plan, are described in Unitrin's March 24, 2009 press release, attached hereto as Exhibit 99.1.

This report contains information that includes or is based upon forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and
Section 21E of the Securities Exchange Act of 1934. Forward-looking statements give expectations or forecasts of future events. The reader can identify these statements by the fact that they do not relate strictly to historical or current facts. These include statements relating to future actions or events and the outcome of contingencies.

Any or all forward-looking statements may turn out to be wrong, and, accordingly, readers are cautioned not to place undue reliance on such statements, which speak only as of the date of this report. Such statements can be affected by inaccurate assumptions or by known or unknown risks and uncertainties. Many factors will be important in determining Unitrin's actual future results. These statements are based on current expectations and the current economic environment. They involve a number of risks and uncertainties that are difficult to predict. These statements are not guarantees of future performance; actual results could differ materially from those expressed or implied in the forward-looking statements. No assurances can be given that the results contemplated in any forward-looking statements will be achieved or will be achieved in any particular timetable. Unitrin assumes no obligation to publicly correct or update any forward-looking statements as a result of events or developments subsequent to the date of this report. The reader is advised, however, to consult any further disclosures Unitrin makes on related subjects in filings made with the Securities and Exchange Commission.