Managing Weather Risk is Smart Business…

In 1994, when temperatures remained below zero for the first two weeks of January, Debevc said he lost 20 percent of everything he had planted. We lost all our Chardonnay vines and about two-thirds of our Riesling, he said. We had to replant, and it took three years for them to produce. But then we only had seven acres of vinifera. Now we have 65 acres. Weather is Making Headlines... Extreme freeze damages Ontario vineyardsExtreme freeze damages Ontario vineyards - decanter.com-13 hours ago. Freezing temperatures across Ontario have damaged vines in the Canadian province's vineyards, with some producers reporting bud loss of around 90%...Our winery has 95 to 98% bud loss, so we wont be getting grapes this year, says Tom OBrien, owner of Coopers Hawk Vineyards in Lake Erie North Shore... Ashtabula County grape growers prepare for huge losses The Star Beacon-Mar 29, We will not know the amount of damage to the vines until we warm up... Ohio wine grape losses hit hardest in Northeast... - Cleveland.comOhio wine grape losses hit hardest in Northeast... - Cleveland.com - The Plain Dealer-Mar 24, CLEVELAND, Ohio -- Ohio grape growers – the spark of our fast-growing, $500 million wine-tourism industry -- are expecting a near-total loss... Winter's wrath threatens grape crop in Chautauqua CountyWinter's wrath threatens grape crop in Chautauqua County - Buffalo News-Feb 13, The bud damage means a smaller crop for wine grapes this year...

Who is eWeatherRisk? We are a weather risk platform that provides real-time weather risk management solutions. eWeatherRisks weather data is independently sourced and independently verifiable, and comprises over 6,000 ground-based NOAA/NWS weather stations. Multiple risks, dates and structures can be used, all simultaneously and all independent. eWeatherRisks products are backed by MunichRe, a AA- Standard and Poors rated international reinsurer with over $17B in assets.

What is a Weather Hedge? A risk contract that provides any business a method to mitigate financial risk from adverse weather events. Weather contracts are used extensively by large corporations to manage weather risk. eWeatherRisk brings the same program to all businesses. There is no adjuster - it pays when the chosen weather event happens. Temperature and precipitation can be covered for any date and condition. Weather contracts complement traditional crop insurance, or act as a stand-alone solution for those in related businesses or uninsurable crops. Bottom line: Provides a new risk management tool.

Weather Risk Solutions… Weather contracts provide unmatched flexibility, pricing and delivery in real-time, incorporating nearly 65 years of weather data from over 6,000 ground-based weather stations and supported with the financial security of an S&P-rated AA- international reinsurer. Weather Contracts Cover: Temperature Excessive Heat Insufficient Heat Excessive Cold Insufficient Cold Precipitation Excessive Precipitation Insufficient Precipitation Highest Daily Rainfall in Period A full complement of standard and hybrid weather risk contracts are available. What types of products are available?

Client specific weather risk. Weather protection to exact needs. The eWeatherRisk platform allows for maximized pricing and flexibility.

Winter Kill on Grapes Protection

Excess Rainfall on Grapes Protection

Heat on Grapes

What are the advantages of using weather contracts? Weather risk can be effectively managed. Benefits Adaptable - The program is built by growers! Cost-effective - each weather solution is customized to the customer Hassle-Free - No proof of loss required. Transparent - weather data available daily via the web Protects : input costs profitability forward contract delivery obligation allows for more profitable marketing decisions Features Coverage - 6,000 ground-based US weather stations Flexibility - Ability to customize transactions to specific weather risks Timeliness - Settlement can be executed within days. Availability - No sales closing period and advance purchase discounts are available. Security - eWeatherRisk is backed by a AA- S&P-rated international reinsurer.

Managing Weather Risk is Smart Business… Brian OHearne | President & CEO | Jim Jubb | Vice President – Marketing | John Coleman | Senior Analyst | eWeatherRisk, Inc West 116 th Place, Suite 204 Leawood, Kansas Questions and Answers