From: Xxx Xxxxx [xxxxxx@xxxxxxxx.com]

Sent: Monday, September 21, 1998 12:09 AM

To: info@farmersdirect.com

Subject: Problems

As an agent of 25 years for the Farmers Insurance Group of Companies, I can

understand your terrible frustration with the poor service you have received.

Lesson learned I would say is to find a good agent with a good company and

stick with him or her.

Farmers Direct of Illinois is conducting an experiment in PA trying to

bypass the agent. In your case, this hasn't worked, and we agents feel that

the service you have grown to expect will not be provided by the direct

approach.

Keep putting out your experience. And put your faith and confidence in a

real person agent.

XXXXXXXX - Tucson AZ