 Pasture, Rangeland, and Forage (PRF)

 Why should I insure my pasture & hayland?  Good Risk Management  Keep plans on track (maintain herd size)  Government pays up to 59% of your premium  Tax Deductible  Affordable cost  Tailor your coverage to “fit your pocketbook”  Satisfies linkage at FSA  Disaster program for hayland  Livestock Forage program for pasture  Eliminates requirement for NAP  $500/pasture and hayland  Since inception of the program in 2007, the program has paid out to date nationally $234,258,768.  “The Program Works” PRF Policy Details  Provides protection when rainfall is below normal as determined by coverage level you choose  You must allocate a percentage of your total insured acres into at least 2-month time periods called Index Intervals. You may choose from eleven Index Intervals.  How to select an interval  What months are most critical for rainfall to produce forage?  You must elect to insure pasture or hay land. Different county base values apply to each type.  You select a Protection Factor with a value between 60 and 150 percent of the County Base Value. This further customizes your coverage.  You choose a coverage level of 70, 75, 80, 85, or 90.  You can choose to insure only the acres important to your grazing program or hay operation.  Sales closing is September 30 th 2011  Acreage reporting is November 15 th 2011  Premium billing is July 1 st 2012 “Our Business is Keeping You in Business” 1-800/ Pasture, Rangeland, Forage Rainfall Index Plan

Year Jan- Feb Feb- Mar Mar- Apr Apr- May May- Jun Jun- Jul Jul- Aug Aug- Sep Sep- Oct Oct- Nov Nov- Dec n/a Protection Information: Protection Factor (%): 100 Share (%): 100Sample Year: 2010 Location:Virginia County: HalifaxGrid:20605 DECISION SUPPORT TOOL Pasture, Rangeland, Forage Frequency 90: 70% 70% 40% 50% 40% 50% 50% 50% 20% 10% 20% Frequency 70: 40% 20% 10% 20% 0% 10% 10% 20% 10% 10% 20%

RURAL COMMUNITY INSURANCE COMPANY RURAL COMMUNITY INSURANCE SERVICES 2010 PREMIUM & LOSS ANALYSIS ***THIS IS AN ESTIMATE ONLY*** QUOTE INFORMATION AGENCY INFORMATION State:VAType: PastureGrid:20605J T DAVIS INSURANCE AGENCY INC County:083County Base Value: $41.74Protection Factor:100P O BOX 40 Crop:PRFAcres: 100BROOKNEAL, VA Plan:Rainfall IndexShare: / Options: Remarks: Premium Analysis 70%75%80%85%90% Coverage Per Acre$29.22$31.31$33.39$35.48$37.57 Cost Per Acre$0.43$0.65$1.02$1.39$2.00 Index Value Interval 71.0 Jun/Jul ‘10$0.00$166.00$377.00$585.00$793.00

RURAL COMMUNITY INSURANCE COMPANY RURAL COMMUNITY INSURANCE SERVICES 2010 PREMIUM & LOSS ANALYSIS ***THIS IS AN ESTIMATE ONLY*** QUOTE INFORMATION AGENCY INFORMATION State:VAType: HaylandGrid:20605J T DAVIS INSURANCE AGENCY INC County:083County Base Value: $263.91Protection Factor:100P O BOX 40 Crop:PRFAcres: 100BROOKNEAL, VA Plan:Rainfall IndexShare: / Options: Remarks: Premium Analysis 70%75%80%85%90% Coverage Per Acre$184.74$197.93$211.13$224.32$ Cost Per Acre$2.72$4.10$6.42$8.77$12.60 Index Value Interval 71.0 Jun/Jul ‘10$0.00$1,108.00$2,386.00$3,701.00$5,012.00

 PastureHaylandRate 70/60 $0.30$ /150 $3.00$ Premium Range

  5 office personnel to serve you with combined experience of 80 years  Devoted 100% to crop insurance  Individual risk management planning  Experienced, competent adjusting staff  Fast claim turn around  Direct deposit  E-Business access  Toll free 800 service  Represents the #1 insurance provider  RCIS  Subsidiary of Wells Fargo and Company  AM best rating - “A” What Does J.T. Davis Insurance Agency Offer?