RULES OF USE

This material is intended solely for the exclusive agents of Farmers Group Incorporated. You may not reproduce or distribute the material contained herein without the permission of Kevin Dahlke Insurance Brokerage.

By reviewing this material you agree that the information in this presentation is not an insurance policy or contract of insurance, is not necessarily a complete description of all terms, exclusions and conditions applicable to Farmers Group Inc. Errors and Omissions Insurance plan or the United Farmers Agents Association Insurance Plan and is intended as general information. The insurance afforded by either plan is subject to the terms and conditions of the policies issued.

This material is not given or intended as legal advice and if you have legal questions you should consult an attorney. The information is given in good faith and has been obtained from published information and other sources believed to be reliable at the time of preparation. Coverage and issues discussed may not be applicable in all areas of the United States.

The availability of the United Farmers Agents Association Insurance Plan is subject to the plan carriers requirements and is subject to its final acceptance. Your qualification for coverage is subject to meeting agency operational standards and loss history requirements as established by the plan carrier, Farmers Group, Inc. having the first right of refusal for all applicants for insurance by your agency and at least limited membership in the United Farmers Agents Association. Not all applicants may qualify

You are not required to pay premium, enroll in the risk management plan or join the association to submit an application for coverage.

If you are provided coverage terms and wish to bind coverage when offered you will be required to:

• Maintain at least limited membership in the United Farmers Agents Association
• In your initial year of coverage, enroll in the provided Alpine Risk Management Plan and complete the risk management survey / critique (this is not an application of coverage or used in underwriting or claims)
• Pay your premium
• Benefits and terms of association membership are available on the United Farmers Agents Association website at http://www.ufaa.com.