BULLETIN Page 1 of 2 OREGON MUTUAL INSURANCE COMPANY TO: October 30, Commercial Lines. FAR (Farm/Agribusiness/Ranch) Program

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1 OREGON MUTUAL INSURANCE COMPANY DEPT: SUBJECT: DATE: BULLETIN NO: 2071 October 30, 2007 Commercial Lines TO: OMI Nevada Commercial Lines Agents FAR (Farm/Agribusiness/Ranch) Program FAR (Farm/Agribusiness/Ranch) Program Now Available! Effective immediately we are pleased to announce the FAR program is available for new business in Nevada. PROGRAM FEATURES You can find complete details of the program in the FAR Program Manual and Eligibility Guidelines, which are available on BizLink. Some of the main features are: We write a broad range of farm operations including cattle, dairy, equine, poultry and winery operations. The Farm Combination Credit applies to liability, unlike many other programs, including the ISO program. Coverage for Disruption of Farming Operations is available and there is no co-insurance clause. The Coverage C limit is 70% of Coverage A on a Farm Combination policy. Household personal property is automatically covered at replacement cost. Spoilage limits available up to $250,000 per location. Equipment Breakdown coverage available. Identity Fraud Expense coverage available. Identity Theft Resolution Service provided at no cost for eligible FAR policies. For more information on this service, we have a link on our home page ( under Quick Links, then Identity Theft. Animal Liability coverage for Use of Animals in Animal Contests or Stunting Activities and Animal Rides for Profit or Charity available. Off premises ATV and Snowmobile coverage available. Chemical Drift and Limited Pollution coverages are available with limits up to $1,000, % credit available with Organic Farm Certification. Fixed Expense Credit. This credit increases with the premium amount. The purpose of the credit is to recognize that a portion of the rate covers certain fixed underwriting expenses that do not increase with the size of the policy. Insurance Score Credit. This credit is available to farms owned by individual and families, including closely held family corporations. The credit is based on information available in the insured s credit report. Employment Practices Liability Insurance (EPLI) can be written in conjunction with the FAR program. The OMI Umbrella program is available for farms. COMMISSION The commission for the FAR program is 18% for new business and 15% for renewals. The commission for supporting coverage that is part of the same policy will be as described in your commission schedule. For example, the commission for auto coverage written in conjunction with the FAR will remain 15%. FAR policies also receive the 4% bonus commission currently available to Nevada agents. This bonus commission will terminate for the FAR program when it terminates for all other OMI programs. (As previously announced, OMI intends to replace the current bonus commission program with its agency contingent profit share program.) BULLETIN Page 1 of 2

2 FORMS There are several forms in addition to the ISO mandatory forms which are mandatory under the OMI FAR program: Exclusion Of Certain Computer-Related Losses Endorsement - FP Employment Related Practices Exclusion Endorsement - FL or CG Exclusion Of Computer-Related Date Processing And Other Electronic Problems - With Exception For Bodily Injury On The Insured Location - FL or CG Fungi or Bacteria - Liability Exclusion Endorsement - FL Migrant And Seasonal Agricultural Worker Protection Act Exclusion Endorsement - FL The OMI FAR program offers a number of optional endorsements that may not be available in other programs: Bee Board Coverage M2453F. Dairy Farm Cluster M2691F. Dwelling Under Course Of Construction M2698F. Employee Benefits Liability M2816F. Employee Benefits Liability Insurance Optional Extended Reporting Period (Claims-Made) M2817F. Farm Equipment Breakdown M2806F. Farm Commercial Cluster M2690F. Farm Personal Cluster M2689F. This endorsement is tailored after OMI s Personal Lines Homeowners forms. Foreign Objects in Machinery Coverage FP Irrigation Equipment Coverage Extension M2699F. Livestock Coverage Available On A Basic Or Broad Coverage Form FP Replacement Cost Available For Newer Farm Machinery FP Winery Cluster Endorsement M2378F. Winery Cluster Extension Unexpected Wine Contamination M2805F. Winery Cluster Extension Unexpected Wine Oxidation M8515F. Winery Cluster Extension Wine Leakage M2692F. Winery Special Cluster Endorsement M2377F. Winery Stock Valuation Endorsement M2380F. Credit Score Disclosure Notice Requirement - A notification must be provided to the consumer who has requested insurance coverage that an insurance credit score will be obtained to determine eligibility. To comply with this requirement, disclosure notice G1096 (12-05) must be presented to a consumer prior to obtaining a credit score. Copies of this disclosure are available on BizLink. During the application process we are also required to notify the consumer that they may request a written statement which describes our use of credit information. For assistance with a quote, a completed ACORD application to clnewapp@ormutual.com or fax it to Should you have any questions or need additional information, please contact your Commercial Lines Underwriter or Steve Smith, your OMI Agency Marketing Manager. Thank you for your continued support of Oregon Mutual. Brad Carlson, CPCU, CIC Inland West and Agriculture Commercial Lines Business Unit Manager NOTICE This Bulletin is a communication tool used to apprise agents of changes and/or enhancements to Oregon Mutual Insurance Company (OMI) products and/or services. The information provided is a summary and does not create any warranties or contract representations. The benefits and obligations under an OMI policy are specifically spelled out in the policy itself and any questions about them should be answered by referencing the policy. If you have questions about policy interpretation you should contact your Commercial Lines Underwriter or your Agency Marketing Manager. Bulletin No Page 2 of 2

3 OREGON MUTUAL INSURANCE COMPANY M8634F (9-07) FARM FORMS REVISION ADVISORY NOTICE TO POLICYHOLDERS Dear Policyholders, This is a summary of the major changes to your policy. No coverage is provided by this summary nor can it be construed to replace any provisions of your policy or endorsements. You should read your policy and review your Declarations page for complete information on the coverages you are provided. If there is any conflict between the policy and this summary, THE PROVISIONS OF THE POLICY SHALL PREVAIL. Words or phrases that appear in quotation marks have special definitions within the policy. The areas within the policy that broaden, reduce or clarify coverage are highlighted below. This notice does not reference every editorial change made in your policy. FARM LIABILITY COVERAGE FORM FL BROADER COVERAGE PROVIDED POLLUTION EXCLUSION The exception to the Pollution Exclusion which provides coverage for bodily injury arising out of smoke, fumes, vapors or soot from building heating equipment has been expanded to also apply to water heaters and cooling and dehumidifying equipment. REDUCTIONS OF COVERAGE REVISED MOTOR VEHICLE AND MOBILE EQUIPMENT COVERAGE AND MOBILE EQUIPMENT/MOTOR VEHICLE DEFINITIONS The Aircraft, Motor Vehicle, Motorized Bicycle or Tricycle Exclusion has been revised. Now, any land vehicle that had been classified as a piece of mobile equipment (with certain exceptions) under your previous policy, will now be considered a motor vehicle if that vehicle is subject to compulsory or financial responsibility laws or other motor vehicle insurance laws where such vehicle is licensed or principally garaged. With this change, coverage is no longer provided for these types of land vehicles since they are now defined to be motor vehicles and are subject to the Aircraft, Motor Vehicle, Motorized Bicycle Or Tricycle Liability Exclusion in your policy. However, the operation of certain mobile equipment would still be potentially covered under your policy, as cherry pickers currently are. If you wish to obtain coverage for land vehicles subject to compulsory or financial responsibility laws, or other motor vehicle insurance laws, you should consider an automobile policy. In addition, because of the above changes, we have revised the mobile equipment and motor vehicle definitions to state that mobile equipment subject to compulsory or financial responsibility laws or other motor vehicle insurance laws where they are licensed or principally garaged are now motor vehicles. DISTRIBUTION OF MATERIAL IN VIOLATION OF STATUTES EXCLUSION We have also introduced an exclusion to apply to bodily injury, property damage, personal injury and advertising injury arising directly or indirectly out of any action or omission that violates or is alleged to violate the Telephone Consumer Protection Act (which addresses consumers' concerns about certain telephone marketing practices), the CAN-SPAM Act of 2003 (which imposes limitations and penalties on the transmission of unsolicited messages), or any other statute, ordinance or regulation that prohibits or limits the sending, transmitting, communicating or distribution of material or information. PERSONAL INJURY TO AN INSURED EXCLUSION We have introduced an exclusion to apply to personal injury coverage when the victim of the offense is you or any other insured. This new exclusion also applies to you or one of the following members of your household in a cross claim situation: your relatives, any other person under the age of 21 in your or your relative's care, or a full-time student who was a member of your household before moving out to attend school. M8634F (9-07) Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of FRM

4 CLARIFICATIONS OR NO IMPACT IN COVERAGE WAR LIABILITY EXCLUSION We have incorporated a War Liability Exclusion into this Coverage Form. The exclusion has previously been added via mandatory endorsement. ENDORSEMENTS BROADER COVERAGE PROVIDED FL Personal Liability FL Washington Changes Personal Liability The exception to the Pollution Exclusion which provides coverage for bodily injury arising out of smoke, fumes, vapors or soot from building heating equipment has been expanded to also apply to water heaters and cooling and dehumidifying equipment. FL Animals in Contest or Stunting Activities We have introduced this endorsement to extend coverage to apply to racing, speed and strength contest and stunting activity. This is a new coverage option and, when attached, results in a broadening of coverage. FL Animal Rides for Profit or Charity We have introduced this endorsement to extend coverage to apply to the use of animals for providing rides for a fee or for providing rides in connection with a fair, charitable function or similar type of event. This is a new coverage option and, when attached, results in a broadening of coverage. FL Owned Snowmobile Coverage FL Owned Snowmobile Coverage - Washington We have revised these endorsements to extend the coverage provided by the endorsement to allow its use when farm liability coverage, specifically personal liability coverage as provided under the Personal Liability endorsement, is written in conjunction with a Commercial General Liability Policy. FL All-Terrain Vehicle Coverage We have revised this endorsement to extend the coverage provided by the endorsement to allow its use when farm liability coverage, specifically personal liability coverage as provided under the Personal Liability endorsement, is written in conjunction with a Commercial General Liability Policy. FL Waiver of Transfer of Rights of Recovery Against Other to Us We have introduced this endorsement to allow the company to waive its right of recovery (subrogation) against a designated person or organization on whose behalf the insured performs work under a contract. This is a new coverage option and, when attached, results in a broadening of coverage. FP California Changes We have revised this endorsement to add Paragraph C. which removes the requirement that other insurance must be subject to the same plan, terms, conditions and provisions as the insurance under the applicable Coverage Form. Paragraph D. has been added to revise the provision that pertains to the payment of the difference between the ACV and replacement cost of the loss or damage after repair or replacement is completed, to state that the insurer will pay the difference between the ACV and replacement cost after repair or replacement is completed: M8634F (9-07) Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 2 of FRM

5 FP Washington Changes We have revised this endorsement to revise the Washington exception to the motor vehicle exclusion to refer to licensing requirements instead of motor vehicle registration. Recreational and farm type vehicles may not be subject to licensing requirements in Washington, unless used on public roadways, but such vehicles are subject to registration. FP California Changes Functional Building Valuation We have introduced this endorsement to remove the requirement that other insurance must be subject to the same plan, terms, conditions and provisions as the insurance under the applicable Coverage Form. Furthermore this endorsement revises the provision that pertains to the payment of the difference between the ACV and replacement cost of the loss or damage after repair or replacement is completed, to state that the insurer will pay the difference between the ACV and replacement cost after repair or replacement is completed: FP California Changes Unit-Owners Coverage We have introduced this endorsement to remove the requirement that other insurance must be subject to the same plan, terms, conditions and provisions as the insurance under the applicable Coverage Form. FP Identity Fraud Expense Coverage We have introduced this endorsement to provide coverage for expenses you incur as a direct result of identity fraud first discovered or learned of during the policy period. The endorsement will pay up to $15,000 for specific covered expenses as described in the endorsement. This is a new coverage option and, when attached, results in a broadening of coverage. FP California Changes Replacement Cost Mobile Agricultural Machinery and Equipment We have introduced this endorsement to revise subparagraph d. of the Valuation Loss Condition to state the insured can make a claim for payment on the actual cash value basis and later request from the insurer the difference between the actual cash value payment made and any payment due under the replacement cost coverage provided by the endorsement. Furthermore this endorsement revises the provision that pertains to the payment of the difference between the ACV and replacement cost of the loss or damage after repair or replacement is completed, to state that the insurer will pay the difference between the ACV and replacement cost after repair or replacement is completed: FP California Replacement Cost Household Personal Property We have introduced this endorsement to revise the provision that pertains to the payment of the difference between the ACV and replacement cost of the loss or damage after repair or replacement is completed, to state that the insurer will pay the difference between the ACV and replacement cost after repair or replacement is completed: M8634F (9-07) Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 3 of FRM

6 FP California Dwelling and Farm Building Replacement Cost Protection (Including Ordinance or Law Coverage) We have introduced this endorsement to revise the provision that pertains to the payment of the difference between the ACV and replacement cost of the loss or damage after repair or replacement is completed to state that the insurer will pay the difference between the ACV and replacement cost after repair or replacement is completed: FP California Functional Farm Personal Property, Machinery and Equipment Valuation We have introduced this endorsement to revise the provision that pertains to the payment of the difference between the ACV and replacement cost of the loss or damage after repair or replacement is completed to state that the insurer will pay the difference between the ACV and replacement cost after repair or replacement is completed: FP California Coverage G Barns, Outbuildings and Other Farm Structures Blanket Insurance We have introduced this endorsement to revise the provision that pertains to the payment of the difference between the ACV and replacement cost of the loss or damage after repair or replacement is completed, to state that the insurer will pay the difference between the ACV and replacement cost after repair or replacement is completed: FP Coverage for Damage Sustained Only By Tires in Collisions, Upsets or Overturns of Mobile Agricultural Machinery and Equipment We have introduced this endorsement to provide coverage for tires damaged or destroyed during the collision, upset or overturn of the mobile agricultural machinery or equipment on which the tires are mounted while no damage is sustained by the machinery/equipment itself. Loss settlement valuation will be at actual cash value. This is a new coverage option and, when attached, results in a broadening of coverage. M2115F (9-07) Farm Liability Coverage Form Declaration We have revised this form increasing Additional Coverage 2 Damage to Property of Others limit to $1,000 from $500. M2124F (9-07) Equipment Breakdown Coverage Schedule We have introduced this endorsement to be used to provide higher limits of insurance. M8634F (9-07) Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 4 of FRM

7 M2689F (9-07) Farm Personal Cluster Endorsement We have revised this endorsement to add additional coverage for Accidental Death Benefit, Condominium Unit-Owner Additions and Tenant s Improvements and Betterments. Furthermore, paragraph 9.B.1.d. is revised to increase the percentage from 10% to 25% of the COVERAGE A limit for the primary dwelling on the policy and detached garages for any one occurrence. Furthermore, paragraph 9.B.3. is corrected for editorial changes deleting the wording: You must notify us within 90 days of the start of: a. a new building valued at $5,000 or more; or b. additions to or remodeling of a covered building which increase its value by $5,000 or more. You must pay the additional premium due for the increase in value. If you do not notify us within 90 days, we pay no more than the limit for the covered buildings excluding the value of the additions and improvements. Furthermore, Paragraph 12.e. limit is increased from $2,500 to $5,000 on business property on the insured location. Furthermore, Paragraph 12.f. limit is increased from $500 to $1,000 on business property off the insured location. Furthermore, Paragraph 12.h. limit is increased from $1,500 to $2,000 on electronic apparatus and accessories used primarily in connection with the operation of the farm or a business, while off the insured location and not in or upon a motor vehicle or other motorized land conveyance. Furthermore, Paragraph 12.j. limit is increased from $2,500 to $10,000 on motorized vehicles not designed or licensed for public roads and used to service the insured location or for assisting the handicapped. Furthermore, we have revised this endorsement to provide blanket protection up to $35,000 for personal property subject to theft loss (jewelry subject to a limit per item, guns, silver and gold plated tableware, rugs and tapestry). These coverages were previously shown under Special Limits of Insurance Under Coverage C and each category was subject to a specified limit. M2690F (9-07) Farm Commercial Cluster Endorsement We have revised this endorsement to add additional coverage for Extra Expense and Farm Personal Property in Transit. Furthermore, we have revised Additional Machinery, Vehicles and Equipment Newly Purchased to Newly Acquired. Furthermore, paragraph 10.c. Hay in Stacks is revised to include hay, straw and fodder: (1) in buildings or structures; and (2) In stacks, windrows or bales at insured locations or elsewhere, but for this property fire or lightning, windstorm or hail, vandalism, vehicles and theft are the only Covered Causes of Loss. A stack means hay, straw or fodder in one area separated by a clear space of 100 feet or more from any other hay, straw or fodder in the open. (3) The limit of insurance for any one stack is $100,000 and $100,000 annual policy period for all stacks. Furthermore, we have revised the wording described premises to insured location throughout this endorsement. M2802F (9-07) Additional Insured Farm Liability Designated Person or Organization We have introduced a new endorsement to confer additional insured status to a Designated Person or Organization. This is a new coverage option and, when attached, results in a broadening of coverage. M2803F (9-07) Additional Insured Farm Liability Who is a Relative Who Co-Owns and Helps Operate the Farm but Resides Away from the Farm Premises and is not a Partner or Corporate Member of the Farm Business Entity We have introduced a new endorsement to confer additional insured status to who is a relative who co-owns and helps operate the farm but resides away from the farm premises and is not a partner or corporate member of the farm business entity. This is a new coverage option and, when attached, results in a broadening of coverage. M2804F (9-07) Snowmobiles We have introduced this new endorsement to amend Mobile Agricultural Machinery and Equipment Coverage Form to delete snowmobiles from Property Not Covered. This is a new coverage option and, when attached, results in a broadening of coverage. M8634F (9-07) Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 5 of FRM

8 M2805F (9-07) Winery Cluster Extension Unexpected Wine Contamination We have introduced this endorsement to provide coverage for unexpected wine contamination. This is a new coverage option and, when attached, results in a broadening of coverage. M2806F (9-07) Equipment Breakdown Protection Coverage We have introduced this endorsement to provide coverage for fortuitous mechanical breakdown of covered pressure vessels, mechanical and electrical equipment, including dwelling equipment. This is a new coverage option and, when attached, results in a broadening of coverage. M2807F (9-07) Boatowner s Supplement We have introduced this endorsement to provide physical damage coverage for boatowners. This is a new coverage option and, when attached, results in a broadening of coverage. M2809F (9-07) Disruption of Farming Operations We have revised this form to remove the valuation clause. M2815F (9-07) Winery Cluster Extension Unexpected Wine Oxidation We have introduced this endorsement to provide coverage for unexpected wine oxidation. This is a new coverage option and, when attached, results in a broadening of coverage. M2816F (9-07) Employee Benefits Liability Coverage We have introduced this endorsement to provide coverage on a claims-made form covering claims by an employee against the insured for the insured s liability arising out of the administration of employee benefit programs. Includes a sixty day extended reporting period. This is a new coverage option and, when attached, results in a broadening of coverage. M2817F (9-07) Extended Reporting Period Endorsement for Employee Benefits Liability Coverage We have introduced this endorsement to provide coverage for extended reporting period for employee benefits liability coverage. This is a new coverage option and, when attached, results in a broadening of coverage. REDUCTIONS OF COVERAGE FL Personal Liability FL Washington Changes Personal Liability We have introduced an exclusion to apply to personal injury coverage when the victim of the offense is you or any other insured. This new exclusion also applies to you or one of the following members of your household in a cross claim situation: your relatives, any other person under the age of 21 in your or your relative's care, or a full-time student who was a member of your household before moving out to attend school. We have introduced an exclusion to apply to bodily injury, property damage and personal injury arising directly or indirectly out of any action or omission that violates or is alleged to violate the Telephone Consumer Protection Act (which addresses consumers' concerns about certain telephone marketing practices), the CAN-SPAM Act of 2003 (which imposes limitations and penalties on the transmission of unsolicited messages), or any other statute, ordinance or regulation that prohibits or limits the sending, transmitting, communicating or distribution of material or information. FL Amendment of Insured Contract Definition This new optional endorsement amends the definition of insured contract in the Farm Liability Coverage Form FL 00 20, or one of the following endorsements: Coverage M Chemical Drift Liability Coverage in Amendatory Endorsement and in Basic Farm Premises Liability, and Coverage N Limited Crop Dusting Coverage in Coverage For Physical Injury To Crops And Animals Due To Certain Crop Dusting Operations Performed By Licensed Independent Contractor By Aircraft (Limited Crop Dusting Coverage), to no longer provide coverage for tort liability that you assume under an insured contract unless you or someone acting on your behalf contributed in whole or in part to the bodily injury or property damage. In those states in which you are permitted to hold harmless a party for that party's sole negligence, attachment of this endorsement may result in a reduction of coverage. M8634F (9-07) Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 6 of FRM

9 FL Exclusion Silica or Silica-Related Dust Endorsement This new optional endorsement excludes liability for bodily injury, property damage, personal injury and advertising injury arising out of silica and silica-related dust. To the extent that the previous policy exclusions do not apply to liability arising out of silica and silica-related dust, attachment of this endorsement results in a reduction of coverage. FP California Changes We have revised this form to add Paragraph D. to specify that the insurer will not pay on a replacement cost basis until the lost or damaged property has been repaired or replaced and to provide for payment on an actual cash value basis prior to that time. FP California Changes Functional Building Valuation This endorsement has been introduced to add Paragraphs 3. and 4. to the Valuation Loss Condition provision to provide that the cost to repair or replace a lost or damaged building with its functional equivalent will not be paid until actual repair or replacement has been made and to provide for payment on an actual cash value basis prior to that time. FP California Changes Replacement Cost Mobile Agricultural Machinery and Equipment We have introduced this endorsement to revise Subparagraph d. under the Valuation Loss Condition to provide that the insurer will not pay on a replacement cost basis until the lost or damaged scheduled item of mobile agricultural machinery and equipment is actually repaired or replaced and to provide for payment on an actual cash value basis prior to that time. Actual cash value is defined in Paragraph f. FP California Replacement Cost Household Personal Property We have introduced this endorsement to add new Paragraphs c. and d. to the Valuation Loss Condition to provide that the insurer will not pay the replacement cost of any lost or damaged covered household personal property until such property is actually repaired or replaced and to provide for payment on an actual cash value basis until that time. FP California Functional Farm Personal Property, Machinery and Equipment Valuation We have introduced this endorsement to add new Paragraphs 3.and 4. to the Valuation Loss Condition to provide that the insurer will not pay to repair or replace the lost or damaged farm personal property, machinery and equipment with their functional equivalents until such property, machinery and equipment is actually repaired or replaced and to provide for payment on an actual cash value basis until that time. FP California Coverage G Barns, Outbuildings and Other Farm Structures Blanket Insurance We have introduce this endorsement to revise the Loss Condition Valuation to specify that if loss settlement is selected on a Replacement Cost Basis, then the insurer will not pay on a replacement cost basis until the lost or damaged Covered Property under Coverage G has been repaired or replaced and to provide for payment on an actual cash value basis prior to that time. Actual cash value is also defined in the new endorsement. M2685F (9-07) Additional Insured Farm Liability Person or Organization from Whom You Lease Equipment We have revised this endorsement, which responds to an additional insured's liability arising out of operations by the named insured of equipment leased from the additional insured, to provide coverage for a person or organization that you have named as an additional insured on this policy ONLY if the bodily injury, property damage, personal injury or advertising injury is caused in whole or in part by your acts or omissions. In those states in which you are permitted to contractually hold harmless an additional insured for that additional insured's sole negligence, or in states where courts have enabled coverage for the sole negligence of the additional insured this change represent a reduction in coverage. M2686F (9-07) Additional Insured Farm Liability Vendor Who Sells or Distributes Your Products to Other Third Parties We have revised this endorsement to add an exclusion for bodily injury or property damage caused by the acts or omissions of the vendor, its employees or anyone acting on its behalf. In those states in which you are permitted to contractually hold harmless an additional insured for that additional insured's sole negligence, or in states where courts have enabled coverage for the sole negligence of the additional insured this change represent a reduction in coverage. M8634F (9-07) Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 7 of FRM

10 M2689F (9-07) Farm Personal Cluster Endorsement We have revised paragraph 9.B.2. to include if each building or structure is insured to at least 80% replacement cost: and You must notify us within 90 days of the start of: a. a new building valued at $5,000 or more; or b. additions to or remodeling of a covered building which increase its value by $5,000 or more. You must pay the additional premium due for the increase in value. If you do not notify us within 90 days, we pay no more than the limit for the covered buildings excluding the value of the additions and improvements. M2690F (9-07) Farm Commercial Cluster Endorsement We have revised this endorsement to clarify if no specific stack limit is shown in the Declaration for hay, straw or fodder in the open, the Limit will be $10,000 on any one stack does not apply. M2691F (9-07) Dairy Cluster We have revised this endorsement to remove extra expense coverage from this endorsement. M2801F (9-07) Exclusion Logging and Lumbering Operations We have introduced a new endorsement that excludes coverage for property damage due to fire or to property damage however caused, to any vehicle while being loaded or unloaded. Attachment of this endorsement results in a reduction of coverage. CLARIFICATIONS OR NO IMPACT IN COVERAGE FL Personal Liability FL Washington Changes Personal Liability We have incorporated a War Liability Exclusion into this endorsement. The exclusion has previously been added via a separate mandatory endorsement. FL Farm Employers' Liability and Farm Employees' Medical Payments Insurance We have revised this endorsement to expand the "no other obligation" disclaimer in the Additional Insuring Agreement for Farm Employers' Liability to clarify that we have no obligation to pay as damages except for those costs, expenses and interest amounts explicitly provided for under the Supplementary Payments provisions of your Coverage Form, for example the cost of bail bonds. FL Fungi or Bacteria Exclusion Liability M2600FW (9-07) Farm Liability Fungi and Bacteria Exclusion Washington We have revised these endorsements to replace the term "consumption" with "bodily consumption". This was done to reinforce that the term does not extend to goods or products not intended for bodily consumption (e.g., building materials used during the course of repair of a building). FP Washington Changes Domestic Abuse We have revised the The Intentional Loss exclusion in Paragraph B. to track the exclusion found in the Washington Homeowners 2000 forms. FP Livestock Additional Causes of Loss We have revised this endorsement to amend the Collapse Additional Coverage provision in the endorsement with respect to loss to covered livestock in the event of the collapse of a building housing the livestock by modifying the causes of loss language in the endorsement for consistency with the provisions of the Collapse Additional Coverage in other property forms. M8634F (9-07) Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 8 of FRM

11 EDITORIAL CHANGES ONLY IL California Changes IL Washington Common Policy Conditions IL California Changes Cancellation and Non-Renewal IL Oregon Changes Cancellation and Non-Renewal FL Basic Farm Premises Liability FL Broad Farm Premises Liability FL Washington Changes Basic Farm Premises Liability FL Washington Changes Broad Farm Premises Liability FP Unit-Owners Coverage FP Loss Payable Provisions Washington FP Report of Values as of FP Supplemental Report of Values Form FP Coverage G Barns, Outbuildings and other Farm Structures Statement of Values FP California Coverage G Barns, Outbuildings and other Farm Structures Statement of Values M2008F (9-07) Farm Liability Coverage Form Declaration M2009F (9-07) Farm Property Coverage Form Declaration Page A M2010F (9-07) Farm Property Coverage Form Declaration Page B M2114F (9-07) Farm Property Coverage Form Declaration M2117F (9-07) Farm Liability Schedule M2377F (9-07) Winery Special Cluster Endorsement M2378F (9-07) Winery Cluster Endorsement M2453F (9-07) Bee Board Coverage M2682F (9-07) Additional Insured Farm Liability Person or Organization from Whom You Lease Land M2683F (9-07) Additional Insured Farm Liability Person or Organization Who is Lessor or Real Estate Manager of Premises Leased to You M2684F (9-07) Additional Insured Farm Liability Independently Contracting Operator-Manage of a Farm Owned By or Leased to You M2687F (9-07) Additional Insured Farm Liability Non-Resident Co-Owner of a Residence Away from the Farm Premises M2688F (9-07) Additional Insured Farm Liability Person or Organization that Exercises Financial Control Over You M2698F (9-07) Dwelling Under Course of Construction M2699F (5-05) Irrigation Equipment Coverage M2706F (9-07) Amendatory Endorsement Basic Farm Premises Liability M8634F (9-07) Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 9 of FRM