From: **** *****

Sent: Friday, February 12, 1999 2:03 PM

To: ralph@usicnet.com

Subject: Good Luck

Came upon your Web Page today. I'm sorry to hear about your experience with Farmers Direct. As An Agent with Farmers Insurance all I can say is with large companies mistakes do happen, I don't know of any company who can claim that they don't experience any complaints about there services. I do feel, at least here in Oregon that we, as a company, have a good reputation for being fair. No company can eliminate mistakes, but it's up to us to try to rectify the situation from recurring. I Hope you have better dealings with your insurance companies in the future.

Word of advise: Don't deal with Direct Companies, chances are you'll never be happy. If you truly care about your family try dealing directly with someone you feel comfortable trusting your assets with. The insurance might be more expensive, but after experiencing a devastating loss, the price you paid for insurance will be well worth the security of knowing that you're being taking care of.