000   2004    Contact your agent regarding possible premium discounts, options,
               and/or additional coverage that may be available.

 00E   2003    The initial planting date is April 1 for any acreage upon which seed treatments
               recommended for the control of Pythium and Rhizoctonia are used.

 0A1   2003    For the purpose of section 9 (Replanting Payments) of the Small Grains Crop
               Provisions, a replanting payment will be calculated using the price
               election for the type of wheat that is replanted and insured.  For example, if
               damaged Durum wheat (type 015) acreage is replanted to another spring type
               (type 012), the price election for type 012 will be used to calculate any
               replanting payment that may be due.  A revised acreage report will be
               necessary to record the new type and price election for the replanted
               acreage, and to reflect the new premium amount.  However, if damaged winter
               wheat is replanted with a spring wheat type or durum wheat, and insurance
               continues based on the guarantee and the price election for the winter type,
               any replant payment will be based on the winter type.

               Only one price election percentage will be applicable for all wheat types
               insured under one wheat policy.  For example, if you elect a price election
               for Durum wheat equal to 80% of the established price, the price election
               applicable for other wheat types must also be 80% of the established price.

               In the event of loss or damage on a unit for which more than one price
               election is applicable, we will settle your claim by:
               (a)  Multiplying the insured acreage of each type by the production guarantee;
               (b)  Multiplying each result by the price election for the applicable type;
               (c)  Adding these dollar values;
               (d)  Multiplying the production to count of each type by the price election
                    for that type;
               (e)  Adding these dollar values;
               (f)  Subtracting the result of step (e) from the result of step (c); and,
               (g)   Multiplying the result by your share.

 0A2   2001    There is a one-year lag period in reporting production.  Production reports
               through the 1999 crop year are required for the 2001 crop year.

 0A3   2000    There is a one year lag period in reporting production.  Production reports
               through the 1998 crop year are required for the 2000 crop year.

 0A6   1997    Classification 001 is applicable to all non-irrigated producers.

 0AB   2003    Sugar beets planted before the filing of the application or reinstatement
               request must be inspected for the crop year and approved in writing by us after
               we determine that the unit is capable of producing at least 90% of the average
               yield.

 0AC   2003    Insurance will not attach on any acreage of spring planted tomatoes planted
               prior to January 15 without a crop inspection on or after that date showing
               there is no damage to the crops.  The results of the crop inspection will be
               placed in, and become part of the official file.

 0AD   2003    Insurance will not attach to any acreage of plant cane planted to sugarcane
               varieties CP65-357 and NCo310.

 0AE   2000    Adequate Stand/Minimum Required for living plants per square foot after
               the year of establishment: Type Alfalfa/Practice Irrigated - Adequate
               stand (Alfalfa plants per square foot): 9.0 the first year; 6.0 the
               second year; 4.5 the third through fifth years.
               Type Alfalfa Grass Mixture/Practice Irrigated - Adequate stand (Alfalfa
               plants per square foot): 3.8 the first year; 2.5 the second year; 1.9 the
               third through the seventh years.
               Type Alfalfa/Practice Non-Irrigated - Adequate stand (Alfalfa plants per
               square foot): 7.5 the first year; 5.0 the second year; 3.8 the third year.
               Type Alfalfa Grass Mixture/Practice Non-Irrigated - Adequate stand (Alfalfa
               plants per square foot): 3.2 the first year; 2.1 the second year; 1.6 the
               third through the fifth years.

 0AF   2000    Any acreage of an irrigated practice alfalfa type with an adequate stand
               will only be insurable as an alfalfa type for the first year through the
               fifth year after year of establishment.  Any acreage of an irrigated
               practice alfalfa grass mixture type with an adequate stand will only be
               insurable as an alfalfa grass mixture type for the first year through the
               seventh year after year of establishment.  Any acreage of a non-irrigated
               practice alfalfa type with an adequate stand will only be insurable as an
               alfalfa type for the first year through the third year after year of
               establishment. Any acreage of a non-irrigated practice alfalfa grass
               mixture with an adequate stand will only be insurable as an alfalfa grass
               mixture type for the first year through the fifth year after year of
               establishment. Any acreage of a non-irrigated practice grass alfalfa
               mixture with an adequate stand will only be insurable as a grass alfalfa
               type for the second and succeeding crop years after the year of
               establishment.

 0AG   2000    Adequate Stand/Minimum Required for living plants per square foot after
               the year of establishment: Type Alfalfa - Adequate stand (Alfalfa plants
               per square foot): 9.0 the first year; 6.0 the second year; 4.5 the third
               through fifth years. Type Alfalfa Grass Mixture - Adequate stand
               (Alfalfa plants per square foot): 3.8 the first year; 2.5 the second
               year; 1.9 the third through the seventh years.

 0AH   2000    ADEQUATE STAND/MINIMUM REQUIRED for living plants per square foot after the
               year of establishment:
               Type Alfalfa/Practice Irrigated - Adequate stand (Alfalfa plants per square
               foot):6.0 the first year; 4.0 the second year; 3.0 the third through fifth
               years.
               Type Alfalfa Grass Mixture/Practice Irrigated - Adequate stand (Alfalfa plants
               per square foot): 2.5 the first year; 1.7 the second year; 1.2 the third
               through the seventh years.
               Type Alfalfa/Practice Non-Irrigated - Adequate stand (Alfalfa plants per square
               foot): 4.8 the first year; 3.2 the second year; 2.4 the third year.
               Type Alfalfa Grass Mixture/Practice Non-Irrigated - Adequate stand (Alfalfa
               plants per square foot): 2.0 the first year; 1.3 the second year; 1.0 the third
               through the fifth years.
               Type Grass Alfalfa Mixture/Practice Non-Irrigated -  Adequate stand must equal
               at least 0.2 Alfalfa plants per square foot. Insurance does not attach until at
               least the second year after the year of establishment.

 0AI   2003    * Peach varieties with a chilling hour requirement of 600 hours or less
               are uninsurable in South Carolina.

 0AJ   2000    **** A mixed stand of alfalfa and grass in which alfalfa comprises more than
               5 percent of the ground cover for acreage insured under the Winter Coverage
               Endorsement.

 0AK   2000    **** A mixed stand of alfalfa and grass in which alfalfa comprises more than
               5 percent of ground cover for acreage NOT insured under the Winter Coverage
               Endorsement.

 0AL   2000    ADEQUATE STAND/MINIMUM REQUIRED for living plants per square foot after
               the year of establishment:
               Type Alfalfa - Adequate stand (Alfalfa plants per square foot): 4.8 the
               first year; 3.2 the second year; 2.4 the third year through the fifth
               years.
               Type Alfalfa Grass Mixture - Adequate stand (Alfalfa plants per square
               foot): 2.0 the first year; 1.3 the second year; 1.0 the third through the
               fifth years.
               Type Grass Alfalfa Mixture -  Adequate stand must equal at least 0.2
               Alfalfa plants per square foot. Insurance does not attach until at least
               the second year after the year of establishment.

 0AM   2000    Any acreage of an alfalfa type will only be insurable as an alfalfa
               type for the first year through the third year after year of
               establishment.  Any acreage of alfalfa grass mixture type with an
               adequate stand will only be insurable as an alfalfa grass mixture
               type for the first year through the fifth year after year of
               establishment.  Any acreage of alfalfa mixture type with an adequate
               stand will only be insurable as a grass alfalfa type for the second
               and succeeding crop years after year of establishment.

 0AO   2002    The end of insurance date for this county crop program is 2/10.

 0AP   2002    The end of insurance date for this county crop program is 6/5.

 0AQ   2003    Acreage insured under the Winter Coverage Endorsement Option A or Option B
               will have a final planting date of 10/31.  Options A and B are not
               applicable to winter wheat acreage initially planted after 10/31.
               Acreage insured under Winter Coverage Endorsement Option A or Option B will
               have an acreage reporting date of 11/15.

 0AT   2003    In lieu of the cancellation, termination and contract change dates in
               the Small Grains Crop Provisions, the cancellation date is September 30,
               the termination date is November 30 and the contract change date
               is June 30.

 0AU   2003    In lieu of the cancellation, termination and contract change dates in the
               Small Grains Crop Provisions, the cancellation date is October 31,
               the termination date is November 30 and the contract change date is
               June 30.

 0AV   2002    **** Includes winter wheat dormant seeded between November 16 and February
               15. Lack of vernalization, for any reason, will be an uninsurable cause of
               loss. No replanting payment will be paid if the dormant seeded winter wheat
               must be replanted.

 0AW   2003    In accordance with section 3(b) of the Basic Provisions, you may change your
               coverage level or price election for the following crop year by giving written
               notice to us not later than the sales closing date.  In counties with separate
               sales closing dates by planting period, you may change your coverage level or
               price election only until the sales closing date for the first planting period
               of the crop year in which you have planted insurable sugar beet acreage.

 0AX   2003    ****Includes insured winter wheat acreage subsequently reseeded to
               spring wheat or durum.

 0AY   2003    As provided by the terms and conditions of the sugar beet policy, insurance
               will not attach on acreage the year following discovery of rhizomania unless
               planted to a rhizomania resistant variety approved by the contracting sugar
               beet company.  When acreage is identified as rhizomania infested during any
               insurance covered period, the production guarantee will be determined at the
               stage percentile as it is described in the sugar beet policy when the discovery
               was made.  If the acreage is not planted to an approved resistant variety,
               insurance coverage will not become available until agreed by written agreement
               from the Federal Crop Insurance Corporation.

 0AZ   2003    "In lieu of Section 7(a)(1) of the Texas Citrus Tree Crop Provisions that
                specifies that an insured must have an ownership share, an insured who
                has a lease with the owner of the citrus grove that requires him or her
                to maintain the citrus grove using accepted grove management practices
                will qualify for coverage under that policy.  The lease agreement must
                clearly state the tenant is entitled to his or her insured share of
                any indemnities under the Texas Citrus Tree Crop Provisions.  A copy
                of the lease must be on file with the insuring company at the time
                insurance attaches."

 0BA   2003    Rotation requirements: Insurance will not attach to any new mint
               acreage on which mint has been grown in any of the two (2) preceding
               crop years.

 0BB   2003    Age limitation: Insurance will not attach to any acreage of peppermint
               the sixth and succeeding crop years after the crop year of planting.

 0BC   2003    Crop provisions adequate stand eligibility/Minimum required: Insurance
               will not attach to any acreage with less than 1.0 living mint plant per square
               foot for all types and practices.

 0BD   2003    Winter coverage option adequate stand eligibility/Minimum required:
               For established stands, 75 percent or more of ground cover is mint.

 0BE   2003    Winter Coverage Option Loss Adjustment Stand Standard:
               Acreage with less than 1.0 living mint plant per square foot
               for all types and practices at the end of the winter coverage
               insurance period may be eligible for a payment.

 0BF   2003    Age limitation: Insurance will not attach to any acreage of peppermint
               the fourth and succeeding crop years after the crop year of planting.

 0BG   2003    Winter coverage option loss adjustment adequate stand standard:
               Acreage with less than 1.5 living mint plants per square foot for all
               types and practices at the end of the winter coverage insurance period
               may be eligible for a payment.

 0BH   2003    Any acreage in this county designated as unrated on the FCI-33 CROP INSURANCE
               ACTUARIAL MAP will not be insurable.

 0BI   2003    Rotation requirements: Insurance will not attach to any new mint acreage
               on which mint has been grown in any of the four (4) preceding crop years.

 0BJ   2003    Age limitation: Insurance will not attach to any mint acreage of
               peppermint or scotch spearmint the fourth and succeeding crop years
               after the crop year of planting, or for native spearmint the ninth and
               succeeding crop years after the crop year of planting.

 0BK   2003    Crop provisions adequate stand eligibility/Minimum required:
               Insurance will not attach to any acreage with less than 1.5 living mint
               plants per square foot for all types and practices.

 0BL   2003    Rate Class A01 applies to all Cultivated Wild Rice acreage in this county.

 0BM   2003    In lieu of Section 5 of the crop provisions the cancellation date for
               California and Minnesota is September 30 and the termination date for
               California and Minnesota is November 30.

 0BN   2003    NON-CONVENTIONAL:  "Planted in a two step operation in which the seed
               is first broadcast by any method onto the surface of a seedbed which
               has been properly prepared for the planting method and production
               practice and is subsequently incorporated into the soil at the proper
               depth in a timely manner.

 0BO   2000    Alfalfa Type (051) Spring Seeded (Irr) Practice (092): Normal stand
               is 12.0 Alfalfa plants per square foot in pure stand of alfalfa or stand
               of alfalfa and grass in which 60 percent or more of the ground cover
               is alfalfa. Alfalfa Grass Mixture Type (052) Spring Seeded (Irr) Practice
               (092): Normal stand 5.0 Alfalfa plants per square foot in a mixed stand
               of alfalfa and grass in which alfalfa comprises more than 25 percent
               but less than 60 percent of the ground cover.  Alfalfa Type (051)
               Spring Seeded (Non-Irr) Practice (093): Normal stand is 10.0 Alfalfa
               plants per square foot in pure stand of alfalfa or a stand of alfalfa
               and grass in which 60 percent or more of the ground cover is alfalfa.
               Alfalfa Grass Mixture (052) Spring Seeded (Non-Irr) Practice (093):
               Normal stand 4.5 alfalfa plants per square foot in a mixed stand of
               alfalfa and grass in which alfalfa comprises more than 25 percent but
               less than 60 percent of the ground cover.

 0BP   2000    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the
               number of pounds remaining after any reduction due to excessive moisture
               (in accordance with the applicable crop provisions) to determine
               the net production to count.  Any grain which, due to insurable causes, has
               zero market value (net zero market value after consideration of additional
               costs to deliver damaged grain to a market of reasonable distance outside
               your local marketing area) will not be considered production to count if
               the production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for
               the respective types and levels of damage.  Additional costs to deliver
               grain outside your local market will be allowed only for types and levels
               of damage included in section 3.

               1  Canola will be discounted for excessive kernel damage (excluding heat
               damage) as follows:

               Kernel Damage %     DF   Kernel Damage %      DF   Kernel Damage %     DF
                  20 and above    None     23.01-24         .588     27.01-28        .775
                  20.01-21        .448     24.01-25         .635     28.01-29        .821
                  21.01-22        .495     25.01-26         .681     29.01-30        .868
                  22.01-23        .542     26.01-27         .728     Above 30 - See
               Section 3

               2  Canola will be discounted for musty odor, sour odor, and commercially
               objectionable foreign odor (COFO) as follows:

                  Musty Odor = .037        Sour Odor = .037        COFO = .065

               3  Canola with (A) a kernel damage percentage above 30 percent; or
               (B) the presence of substances or conditions identified by the Food
               and Drug Administration or other public health organizations of the
               United States as injurious to human or animal health; may be allowed
               a discount factor. To determine the discount factor, the reduction in
               value (RIV)due to all covered quality deficiencies will be determined
               and that value will then be divided by the local market price*.
               Discount factors included in sections 1 through 2 will not be used if
               production qualifies for adjustment under this section 3.




 0BQ   2000    A  The RIV specified in section 3 will be limited to amounts that are
               usual, customary, and reasonable. If the RIV can be decreased by
               conditioning the production, the RIV after conditioning may be
               increased by the cost of conditioning, provided that the resulting RIV
               does not exceed the RIV before conditioning. No RIV will be accepted if
               it is due to (1) moisture content; (2) damage due to uninsured causes;
               or (3) drying, handling, processing, or any other costs associated with
               normal harvesting, handling, and marketing of the production.

               B  RIV's used will be those in the local market area in which you normally
               market the crop, to the extent feasible. If the RIV for a buyer located
               outside your local market area is less than the RIV in your local market
               area, then the RIV may be increased by the additional costs required to
               deliver the production to the buyer, provided that the resulting RIV
               does not exceed the RIV in your local market area. If the damaged
               production has been sold, the Discount Factor will be based upon the
               RIV's applied by the buyer unless it is determined that such RIV's are
               not usual, customary, and reasonable.

               C   For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such
               production in a manner which establishes a value. In such cases, the
               value we agree to will be utilized in accordance with our approved
               procedures to determine the RIV for quality adjustment purposes
               according to section 3 herein.
               Only production qualifying under the terms of this section 3
               (a pre-established discount factor for at least one quality deficiency
               is not contained in the discount factor charts above) may be adjusted
               in this manner.  Notwithstanding the first two sentences of this
               paragraph C, claims involving production containing levels of substances
               or having conditions that are injurious to human or animal health in
               excess of the maximum amounts allowed by the Food and Drug Administration,
               other public health organizations of the United States or agency of the
               applicable State may not be settled until such production is sold, used,
               or destroyed.  The value used to determine the RIV for such production
               will be the amount received for the production, or, if the production
               is used, the value you offer and we agree to.

               D  The RIV's will be determined on the earlier of the date such
               quality-adjusted production is sold or the date of final inspection
               for the unit.

               *  The "Local Market Price" as defined in the applicable crop
               provisions.

 0BR   2003    Rate Map Area 001 applies to all irrigated acreage.

 0BS   2003    Frost or freeze is not an insurable cause of loss after October 7.

 0BT   2003    In lieu of the provisions in Section 13 (f)(1)(vi) and (2)(vii):
               fifteen (15) percent of all cull production will be considered production
               to count under Fresh Fruit Options A and B.

 0BU   2003    Subparagraph 11(d) (3) (ii) of the Small Grains Crop Provisions does not
               apply.  In lieu of the provisions in paragraph 11(d) (4) of the Small
               Grains Crop Provisions, oat production that has a musty, sour, or
               commercially objectionable foreign odor (except smut or garlic odor) or
               that is otherwise eligible for quality adjustment, as specified in
               paragraphs 11(d) (2) and (3) of such provisions, will be reduced as
               follows:


 0BV   2000    A  The RIV specified in section 4 will be limited to amounts that are
               usual, customary, and reasonable. If the RIV can be decreased by
               conditioning the production, the RIV after conditioning may be
               increased by the cost of conditioning, provided that the resulting RIV
               does not exceed the RIV before conditioning. No RIV will be accepted if
               it is due to (1) moisture content; (2) damage due to uninsured causes;
               or (3) drying, handling, processing, or any other costs associated with
               normal harvesting, handling, and marketing of the production.

               B  RIV's used will be those in the local market area in which you normally
               market the crop, to the extent feasible. If the RIV for a buyer located
               outside your local market area is less than the RIV in your local market
               area, then the RIV may be increased by the additional costs required to
               deliver the production to the buyer, provided that the resulting RIV
               does not exceed the RIV in your local market area. If the damaged
               production has been sold, the Discount Factor will be based upon the
               RIV's applied by the buyer unless it is determined that such RIV's are
               not usual, customary, and reasonable.

               C   For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such
               production in a manner which establishes a value.  In such cases, the
               value we agree to will be utilized in accordance with our approved
               procedures to determine the RIV for quality adjustment purposes according
               to section 4 herein. Only production qualifying under the terms of this
               section 4 (a pre-established discount factor for at least one quality
               deficiency is not contained in the discount factor charts above) may be
               adjusted in this manner. Notwithstanding the first two sentences of this
               paragraph C, claims involving production containing levels of substances
               or having conditions that are injurious to human or animal health in
               excess of the maximum amounts allowed by the Food and Drug Administration,
               other public health organizations of the United States or agency of the
               applicable State may not be settled until such production is sold, used,
               or destroyed.  The value used to determine the RIV for such production
               will be the amount received for production, or, if the production is used,
               the value you offer and we agree to.

               D  The RIV will be determined on the earlier of the date such
               quality-adjusted production is sold or the date of final inspection
               for the unit.

               *  The "Local Market Price" as defined in the applicable crop provisions.

 0BW   2000    Subparagraph 11 (d) (3) (ii) of the Small Grains Crop Provisions does not
               apply. In lieu of the provisions in paragraph 11(d) (4) of the Small Grains
               Crop Provisions, rye production that has a musty, sour, or commercially
               objectionable foreign odor (except smut or garlic odor) or that is
               otherwise eligible for quality adjustment, as specified in paragraphs 11
               (d) (2) and (3) of such provisions, will be reduced as follows:

               The Quality Adjustment (QA) Factor is 1.000 minus the sum of the applicable
               Discount Factors (DF) below (expressed as three-place decimals). No other
               quality factors will be considered in determining production to count. The
               QA Factor (not less than zero) will be multiplied by the number of bushels
               remaining after any reduction due to excessive moisture (in accordance with
               the applicable crop provisions) to determine the net production to
               count. Any grain which, due to insurable causes, has zero market value (net
               zero market value after consideration of additional costs to deliver
               damaged grain to a market of reasonable distance outside your local
               marketing area) will not be considered production to count if the
               production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for
               the respective types and levels of damage.  Additional costs to deliver
               grain outside your local market will be allowed only for types and levels
               of damage included in section 6.


               1  Rye will be discounted for low test weight as follows:

               Test Weight Pounds  DF
                  52 and above    None
                  51-51.99        .029
                  50-50.99        .042
                  49-49.99        .054
                  Below 49 - See Section 6

               2  Rye will be discounted for excessive kernel damage (excluding heat
               damage) as follows:

                  Kernel Damage %  DF   Kernel Damage %   DF   Kernel Damage %    DF
                    7 and below   None    16.01-17       .310    26.01-27        .477
                    7.01-8        .100    17.01-18       .326    27.01-28        .494
                    8.01-9        .126    18.01-19       .343    28.01-29        .510
                    9.01-10       .151    19.01-20       .360    29.01-30        .527
                   10.01-11       .176    20.01-21       .377    30.01-31        .544
                   11.01-12       .201    21.01-22       .393    31.01-32        .561
                   12.01-13       .226    22.01-23       .410    32.01-33        .577
                   13.01-14       .251    23.01-24       .427    33.01-34        .594
                   14.01-15       .276    24.01-25       .444    34.01-35        .611
                   15.01-16       .293    25.01-26       .460 Above 35 - See Section 6

               3  Rye will be discounted for percent Ergot as follows:

                   Ergot Percent     DF   Ergot Percent   DF    Ergot Percent    DF
                    0.30 and below  None   0.81-0.90     .050    1.41-1.50      .100
                    0.31-0.40       .008   0.91-1.00     .059    1.51-1.60      .109
                    0.41-0.50       .017   1.01-1.10     .067    1.61-1.70      .117
                    0.51-0.60       .025   1.11-1.20     .075    1.71-1.80      .126
                    0.61-0.70       .033   1.21-1.30     .084    1.81-1.90      .134
                    0.71-0.80       .042   1.31-1.40     .092    1.91-2.00      .142
                                                            Above 2.00 - See Section 6

 0BX   2000    4  Rye will be discounted for percent thin rye as follows:

                    Thin Rye %     DF   Thin Rye %    DF    Thin Rye %      DF
                     25 and below None   49.01-50    .176    75.01-76      .285
                     25.01-26     .075   50.01-51    .180    76.01-77      .289
                     26.01-27     .079   51.01-52    .184    77.01-78      .293
                     27.01-28     .084   52.01-53    .188    78.01-79      .297
                     28.01-29     .088   53.01-54    .192    79.01-80      .301
                     29.01-30     .092   54.01-55    .197    80.01-81      .305
                     30.01-31     .096   55.01-56    .201    81.01-82      .310
                     31.01-32     .100   56.01-57    .205    82.01-83      .314
                     32.01-33     .105   57.01-58    .209    83.01-84      .318
                     33.01-34     .109   58.01-59    .213    84.01-85      .322
                     34.01-35     .113   59.01-60    .218    85.01-86      .326
                     35.01-36     .117   60.01-61    .222    86.01-87      .331
                     36.01-37     .121   61.01-62    .226    87.01-88      .335
                     37.01-38     .126   62.01-63    .230    88.01-89      .339
                     38.01-39     .130   63.01-64    .234    89.01-90      .343
                     39.01-40     .134   64.01-65    .238    90.01-91      .347
                     40.01-41     .138   65.01-66    .243    91.01-92      .351
                     41.01-42     .142   66.01-67    .247    92.01-93      .356
                     42.01-43     .146   67.01-68    .251    93.01-94      .360
                     43.01-44     .151   68.01-69    .255    94.01-95      .364
                     44.01-45     .155   69.01-70    .259    95.01-96      .368
                     45.01-46     .159   70.01-71    .264    96.01-97      .372
                     46.01-47     .163   71.01-72    .268    97.01-98      .377
                     47.01-48     .167   72.01-73    .272    98.01-99      .381
                     48.01-49     .172   73.01-74    .276    99.01-100     .385
                                         74.01-75    .280

               5  Rye will be discounted for a garlicky or smutty grade as follows:

                     Garlicky =  .021      Smutty =  .042

               6  Rye with (A) a test weight below 49 pounds per bushel; (B) a kernel
               damage percentage above 35 percent; (C) an ergot percentage above 2
               percent; (D) a musty, sour, or commercially objectionable foreign
               odor (except smut or garlic odor); or (E) the presence of substances
               or conditions identified by the Food and Drug Administration or other
               public health organizations of the United States as injurious to human
               or animal health; may be allowed a discount factor. To determine the
               discount factor, the reduction in value (RIV) due to all covered
               quality deficiencies will be determined and that value will then be
               divided by the local market price*.  Discount factors included in
               sections 1 through 5 will not be used if production qualifies for
               adjustment under this section 6.

               A  The RIV specified in section 6 will be limited to amounts that are
               usual, customary, and reasonable.  If the RIV can be decreased by con-
               ditioning the production, the RIV after conditioning may be increased
               by the cost of conditioning, provided that the resulting RIV does not
               exceed the RIV before conditioning.  No RIV will be accepted if it is due
               to (1) moisture content; (2) damage due to uninsured causes; or, (3)
               drying, handling, processing, or any other costs associated with normal
               harvesting, handling, and marketing of the production.

 0BZ   2000    B  RIV's used will be those in the local market area in which you normally
               market the crop, to the extent feasible. If the RIV for a buyer
               located outside your local market area is less than the RIV in your
               local market area, then the RIV may be increased by the additional
               costs required to deliver the production to the buyer, provided that
               the resulting RIV does not exceed the RIV in your local market area.
               If the damaged production has been sold, the Discount Factor will be
               based upon the RIV's applied by the buyer unless it is determined
               that such RIV's are not usual, customary, and reasonable.

               C  For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such
               production in a manner which establishes a value.  In such cases, the
               value we agree to will be utilized in accordance with our approved
               procedures to determine the RIV for quality adjustment purposes according
               to section 6 herein.  Only production qualifying under the terms of this
               section 6 (a pre-established discount factor for at least one quality
               deficiency is not contained in the discount factor charts above) may be
               adjusted in this manner.  Nothwithstanding the first two sentences of this
               paragraph C, claims involving production containing levels of substances
               or having conditions that are injurious to human or animal health in
               excess of the maximum amounts allowed by the Food and Drug Administration,
               other public health organizations of the United States or agency of the
               appliciable State may not be settled until such production is sold, used,
               or destroyed.  The value used to determine the RIV for such production
               will be the amount received for the production, or, if the production
               is used, the value you offer and we agree to.

               D  The RIV will be determined on the earlier of the date such
               quality-adjusted production is sold or the date of final inspection
               for the unit.

               *  The "Local Market Price" as defined in the applicable crop provisions.

 0C0   2003    Rate map area AAA is applicable to all irrigated acreage.

 0C2   2003    In accordance with Section 13 (f) (1) (vi) and (2) (vii) of
               the Apple Crop Insurance Provisions: Fifteen (15) percent of all cull
               production will be considered production to count for Rate Class Option
               Codes FE and FB, and zero (0) percent of all cull production will be
               considered production to count for Rate Class Option Codes FD and FG.
               The standard thirty (30) percent add-back shall be applicable to
               producers who elect either of the Quality Options (Rate Class Option
               Codes FA and FC respectively), but who do not specifically select
               an alternative add-back percentage.


 0CA   2003    Varieties must be a variety of fresh market snap bean adapted to the county.

 0CB   2002    Producers can continuous crop snap beans, two (2) crops in a crop year,
               provided the land is allowed to lay fallow or rotated with a nonleguminous
               crop.

 0CC   2003    Minimum Value:  The minimum value to be used for harvested and appraised
               production will be $9.00 per bushel.

 0CD   2003    Allowable cost for harvested production will include the actual cost of
               picking, grading, packing containers, hauling and selling not to exceed $6.00
               per bushel.

 0CE   2003    In accordance with Section 13 (f)(2)(vii): Fifteen (15) percent
               of all cull production will be considered production to count for
               Rate Class Option Codes FB, and zero (0) percent of all cull production
               will be considered production to count for Rate Class Option Codes FD.
               The standard 30 (thirty) percent add-back shall be applicable to producers who
               elect the Quality Options (Rate Class Option Codes FC), but who do not
               specifically select an alternative add-back percentage.

 0CF   2000    "In accordance with Section 13 (f)(2)(vii)): Fifteen (15) percent of
               all cull production will be considered production to count for Rate
               Class Option Codes FB. The standard 30 (thirty) percent add-back shall
               be applicable to producers who elect the Quality Options (Rate Class
               Option Codes FC), but who do not specifically select an alternative
               add-back percentage."

 0CJ   2003    "In determining production to count for quality adjustment purposes,
               the price election plus the allowable cost will be used to determine
               the applicable average FOB shipping point price according to the Peach Crop
               Insurance Provisions.

               Allowable cost for fresh peaches for determining actual price per
               bushel will be $5.00 per bushel. Allowable cost for processing
               peaches for determining actual price per bushel will be $1.75
               per bushel."

 0CK   2004    Any acreage in this county without a rate or designated as uninsurable or
               unclassified on the FCI-33 CROP INSURANCE ACTUARIAL MAP will be insurable
               only by written agreement, unless such acreage is classified by an FCI-33
               CROP INSURANCE ACTUARIAL SUPPLEMENT.

               Contact your crop insurance agent by the sales closing date to determine
               eligibility requirements.

 0CL   2003    Any acreage in this county with a high rate area designation on the
               FCI-33 CROP INSURANCE ACTUARIAL MAP/FCI-33 CROP INSURANCE ACTUARIAL
               SUPPLEMENT will have a rate derived from the actuarial table based on
               the applicable APH yield and adjusted by the factor in the "HIGH RISK
               MAP AREA ADJUSTMENT FACTOR" table.

               Contact your crop insurance agent by the sales closing date to
               determine eligibility requirements.



 0CM   2003    "In lieu of section 7(a), of the Rice Crop Provisions, rice
               planted on acreage which was planted to rice the preceding
               crop year is insurable.

               Superseding the provisions contained in section 12(d)(2),
               rice acreage which has been seeded to rice the two preceding crop
               years will not be eligible for quality adjustment due to red rice
               the third and subsequent crop years."

 0CN   2003    Subparagraph 11(d) (3) (ii) of the Small Grains Crop Provisions does not
               apply. In lieu of the provisions in paragraph 11(d) (4) of the Small Grains
               Crop Provisions, wheat production that has a musty, sour, or commercially
               objectionable foreign odor (except smut or garlic odor) or that is
               otherwise eligible for quality adjustment, as specified in paragraphs 11(d) (2)
               and (3) of such provisions, will be reduced as follows:


 0CO   2000    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the applicable
               Discount Factors (DF) below (expressed as three-place decimals). No other
               quality factors will be considered in determining production to count. The
               QA Factor (not less than zero) will be multiplied by the number of bushels
               remaining after any reduction due to excessive moisture (in accordance with
               the applicable crop provisions) to determine the net production to count.
               Any grain which, due to insurable causes, has zero market value (net zero
               market value after consideration of additional costs to deliver damaged
               grain to a market of reasonable distance outside your local marketing
               area) will not be considered production to count if the production is
               destroyed.  Production that is not destroyed in a manner acceptable to us
               will be adjusted in accordance with the rules below for the respective types
               and levels of damage.  Additional costs to deliver grain outside your local
               market will be allowed only for types and levels of damage included in
               section 5.

               1  Soft Red Winter wheat will be discounted for low test weight as follows:

               Test Weight Pounds  DF    Test Weight Pounds  DF
                  54 and above    None       45-45.99       .254
                    53-53.99      .102       44-44.99       .262
                    52-52.99      .130       Below 44 - See Section 5
                    51-51.99      .158
                    50-50.99      .181
                    49-49.99      .205
                    48-48.99      .228
                    47-47.99      .237
                    46-46.99      .245

               2  Wheat (all classes except Soft Red Winter) will be discounted for low
               test weight as follows:

               Test Weight Pounds  DF    Test Weight Pounds  DF
                  54 and above    None       45-45.99       .090
                    53-53.99*     .035       44-44.99       .097
                    52-52.99      .041       Below 44 - See Section 5
                    51-51.99      .048
                    50-50.99      .056
                    49-49.99      .062
                    48-48.99      .069
                    47-47.99      .076
                    46-46.99      .083

               * Not applicable to Hard Red Spring wheat and White Club wheat.

               3   Wheat (all classes) will be discounted for excessive defects (excluding
               foreign material and heat damage) as follows:

                       Defects %       DF        Defects %     DF      Defects %    DF
                     10 and below    None       18.01-19      .084     27.01-28    .133
                       10.01-11**    .044       19.01-20      .089     28.01-29    .138
                       11.01-12**    .049       20.01-21      .095     29.01-30    .144
                       12.01-13      .053       21.01-22      .100     30.01-31    .152
                       13.01-14      .058       22.01-23      .106     31.01-32    .160
                       14.01-15      .062       23.01-24      .111     32.01-33    .168
                       15.01-16      .067       24.01-25      .116     33.01-34    .176
                       16.01-17      .073       25.01-26      .122     34.01-35    .185
                       17.01-18      .078       26.01-27      .127 Above 35 -See Section 5

               ** Applicable only to kernel damage (excluding heat damage)

 0CP   2000    4  Wheat (all classes) will be discounted for a light smutty or smutty
                  grade as follows:
                                        Light smutty = .022   Smutty =  .043

               5  Wheat with (A) a test weight below 44 pounds per bushel; (B) a defects
               *** percentage above 35 percent; (C) a garlicky or ergoty grade; (D) a
               musty, sour, or commercially objectionable foreign odor (except smut odor);
               or (E) the presence of substances or conditions identified by the
               Food and Drug Administration or other public health organizations of the
               United States as injurious to human or animal health; may be allowed a
               discount factor. To determine the discount factor, the reduction in
               value (RIV) due to all covered quality deficiencies will be determined
               and that value will then be divided by the local market price*.
               Discount factors included in sections 1 through 4 will not be used if
               production qualifies for adjustment under this section 5.

               *** For quality adjustment purposes, defects (excluding foreign material
               and heat damage) consist of kernel damage and shrunken and broken kernels.
               In no event will a Discount Factor be allowed for kernel damage (excluding
               heat damage) and/or shrunken and broken kernels, in addition to defects.

               A  The RIV specified in section 5 will be limited to amounts that are
               usual, customary, and reasonable.  If the RIV can be decreased by con-
               ditioning the production, the RIV after conditioning may be increased by
               the cost of conditioning, provided that the resulting RIV does not exceed
               the RIV before conditioning.  No RIV will be accepted if it is due to
               (1) moisture content; (2) damage due to uninsured causes; or (3) drying,
               handling, processing, or any other costs associated with normal harvesting,
               handling, and marketing of the production.

               B  RIV's used will be those in the local market area in which you
               normally market the crop, to the extent feasible. If the RIV for a
               buyer located outside your local market area is less than the RIV in
               your local market area, then the RIV may be increased by the additional
               costs required to deliver the production to the buyer, provided that
               the resulting RIV does not exceed the RIV in your local market area. If
               the damaged production has been sold, the Discount Factor will be based
               upon the RIV's applied by the buyer unless it is determined that such
               RIV's are not usual, customary, and reasonable.

               C  For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such
               production in a manner which establishes a value.  In such cases,
               the value we agree to will be utilized in accordance with our
               approved procedures to determine the RIV for quality adjustment
               purposes according to section 5 herein.  Only production qualifying
               under the terms of this section 5 (a pre-established discount factor
               for at least one quality deficiency is not contained in the discount
               factor charts above) may be adjusted in this manner.  Notwithstanding
               the first two sentences of this paragraph C, claims involving production
               containing levels of substances or having conditions that are injurious
               to human or animal health in excess of the maximum amounts allowed by
               the Food and Drug Administration, other public health organizations of
               the United States or agency of the applicable State may not be settled
               until such production is sold, used, or destroyed.  The value used to
               determine the RIV for such production will be the amount received for
               the production, or, if the production is used, the value you offer and
               we agree to.

               D  The RIV will be determined on the earlier of the date
               such quality-adjusted production is sold or the date of final
               inspection for the unit.

               * The "Local Market Price" as defined in the applicable crop provisions.

 0CR   2003    Non-irrigated grain corn will be insurable as grain only by written
               agreement.  To qualify for a written agreement, you must have a
               minimum of 3 years of non-irrigated corn grain APH history that
               meets the APH standards for such history (ie 50+ percent of the
               county acreage harvested as grain, or appraisals as grain).
               In addition, in at least one of the years, 50% or more of the
               acreage in the county must have been harvested as grain.
               The deadline for a request for a written agreement is the sales
               closing date.

 0CT   2003    "Citrus fruit" as referenced in Section 10 Settlement of Claim, subsection (h)
               of the 99-026 Florida Citrus Crop Provisions refers to "individual
               citrus fruit" and loss adjustment is based on the percent of damage to
               individual fruit within a sample.

 0CU   2002    In order for the year of set out to be considered as a growing season, as
               referenced in the Florida Citrus Fruit Crop Provisions (99026) (Insured Crop)
               Section 6(b)(2), citrus trees have to be set out on or before April 30 of that
               year.

               If you select coverage at the additional level you may select different price
               election percentages for each type of fruit within the crop.

 0CV   2003    If the grower selects type (072) Late Oranges Fresh, fresh fruit marketing
               records must be provided from at least one of the previous three years on
               the plot to be insured.

 0CY   2002    Conversion factors to be used in accordance with the provisions of the
               insurance policy for adjusting threshed production of dry beans:
                   Section I.   CLASS OF BEANS        GRADE        FACTOR
                                Cranberry           U.S. No. 3      .94
                                Black Turtle Soup   U.S. No. 3      .94
                                Dark Red Kidney     U.S. No. 3      .94
                                Light Red Kidney    U.S. No. 3      .94
                                Pinto               U.S. No. 3      .94
                                White Kidney        U.S. No. 3      .94

                   Section II.  Pea and Medium White
                        Percent of Pick    Factor    Percent of Pick     Factor
                              5             .98             13            .80
                              6             .96             14            .78
                              7             .94             15            .76
                              8             .91             16            .74
                              9             .89             17            .72
                             10             .86             18            .70
                             11             .84             19            .68
                             12             .82             20            .67

 0CZ   2003    In lieu of the stage percentage provisions in section 1 Definitions,
               "Production Guarantee (per acre)", for direct seeded storage onions,
               the first stage production guarantee will be 45 percent of the final stage
               production guarantee and the second stage production guarantee will be 70
               percent of the final stage production guarantee.

 0DA   2000    Subparagraph 11(d) (3) (ii) of the Small Grains Crop Provisions does not
               apply. In lieu of the provisions in paragraph 11(d) (4) of the Small
               Grains Crop Provisions, barley production that has a musty, sour, or
               commercially objectionable foreign odor (except smut or garlic odor) or
               that is otherwise eligible for quality adjustment, as specified in
               paragraphs 11(d) (2) and (3) of such provisions, will be reduced as
               follows:


 0DB   2000    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count. The QA Factor (not less than zero) will be multiplied by the number
               of bushels remaining after any reduction due to excessive moisture (in
               accordance with the applicable crop provisions) to determine the net
               production to count. Any grain which, due to insurable causes, has zero
               market value (net zero market value after consideration of additional costs
               to deliver damaged grain to a market of reasonable distance outside your
               local marketing area) will not be considered production to count if the
               production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for
               the respective types and levels of damage.  Additional costs to deliver
               grain outside your local market will be allowed only for types and levels
               of damage included in section 6.

               1  Barley will be discounted for low test weight as follows:

               Test Weight Pounds   DF  Test Weight Pounds   DF
                   40 and above    None     36-36.99        .084
                   39-39.99        .046     Below 36 - See Section 6
                   38-38.99        .059
                   37-37.99        .071

               2  Barley will be discounted for excessive kernel damage (excluding heat
                  damage) as follows:

                  Kernel Damage %   DF   Kernel Damage %     DF   Kernel Damage %    DF
                    8 and below    None     17.01-18        .115     27.01-28       .242
                    8.01-9         .025     18.01-19        .127     28.01-29       .255
                    9.01-10        .034     19.01-20        .140     29.01-30       .268
                   10.01-11        .042     20.01-21        .153     30.01-31       .280
                   11.01-12        .051     21.01-22        .166     31.01-32       .293
                   12.01-13        .059     22.01-23        .178     32.01-33       .306
                   13.01-14        .068     23.01-24        .191     33.01-34       .319
                   14.01-15        .076     24.01-25        .204     34.01-35       .331
                   15.01-16        .089     25.01-26        .217  Above 35 - See Section 6
                   16.01-17        .102     26.01-27        .229

               3  Barley will be discounted for percent sound barley as follows:

                   Sound Barley %   DF   Sound Barley %    DF   Sound Barley %    DF
                     85 and above  None    73-73.99       .059    61-61.99       .110
                     84-84.99      .026    72-72.99       .064    60-60.99       .115
                     83-83.99      .029    71-71.99       .068    59-59.99       .119
                     82-82.99      .031    70-70.99       .072    58-58.99       .123
                     81-81.99      .034    69-69.99       .076    57-57.99       .127
                     80-80.99      .037    68-68.99       .081    56-56.99       .132
                     79-79.99      .040    67-67.99       .085    55-55.99       .136
                     78-78.99      .043    66-66.99       .089    54-54.99       .140
                     77-77.99      .046    65-65.99       .093    53-53.99       .144
                     76-76.99      .049    64-64.99       .098    52-52.99       .149
                     75-75.99      .052    63-63.99       .102    51-51.99       .153
                     74-74.99      .055    62-62.99       .106    50-50.99       .157
                                                               Below 50 - See Section 6

 0DC   2000    4  Barley will be discounted for percent thin barley as follows:

                   Thin Barley %   DF   Thin Barley %    DF   Thin Barley %    DF
                    35 and below  None    56.01-57      .117    78.01-79      .209
                    35.01-36      .029    57.01-58      .121    79.01-80      .213
                    36.01-37      .033    58.01-59      .125    80.01-81      .217
                    37.01-38      .038    59.01-60      .130    81.01-82      .222
                    38.01-39      .042    60.01-61      .134    82.01-83      .226
                    39.01-40      .046    61.01-62      .138    83.01-84      .230
                    40.01-41      .050    62.01-63      .142    84.01-85      .234
                    41.01-42      .054    63.01-64      .146    85.01-86      .238
                    42.01-43      .059    64.01-65      .150    86.01-87      .242
                    43.01-44      .063    65.01-66      .155    87.01-88      .247
                    44.01-45      .067    66.01-67      .159    88.01-89      .251
                    45.01-46      .071    67.01-68      .163    89.01-90      .255
                    46.01-47      .075    68.01-69      .167    90.01-91      .259
                    47.01-48      .079    69.01-70      .171    91.01-92      .263
                    48.01-49      .084    70.01-71      .176    92.01-93      .268
                    49.01-50      .088    71.01-72      .180    93.01-94      .272
                    50.01-51      .092    72.01-73      .184    94.01-95      .276
                    51.01-52      .096    73.01-74      .188    95.01-96      .280
                    52.01-53      .100    74.01-75      .192    96.01-97      .284
                    53.01-54      .104    75.01-76      .196    97.01-98      .288
                    54.01-55      .109    76.01-77      .201    98.01-99      .293
                    55.01-56      .113    77.01-78      .205    99.01-100     .297

               5  Barley will be discounted for black barley; and an ergoty, garlicky,
               or smutty grade as follows:

                  Black Barley = .042  Ergoty = .013  Garlicky = .017  Smutty = .017

               6  Barley with (A) a test weight below 36 pounds per bushel; (B) a kernel
               damage percentage above 35 percent; (C) a sound barley percentage below
               50 percent; (D) a musty, sour, or commercially objectionable foreign
               odor (except smut or garlic odor); or (E) the presence of
               substances or conditions identified by the Food and Drug Administration
               or other public health organizations of the United States as injurious
               to human or animal health; may be allowed a discount factor. To determine
               the discount factor, the reduction in value (RIV) due to all covered
               quality deficiencies will be determined and that value will then be
               divided by the local market price*.  Discount factors included in
               sections 1 through 5 will not be used if production qualifies for
               adjustment under this section 6.

               A  The RIV specified in section 6 will be limited to amounts that
               are usual, customary, and reasonable. If the RIV can be decreased by
               conditioning the production, the RIV after conditioning may be
               increased by the cost of conditioning, provided that the resulting
               RIV does not exceed the RIV before conditioning. No RIV will be
               accepted if it is due to (1) moisture content; (2) damage due to
               uninsured causes; or (3) drying, handling, processing, or any other
               costs associated with normal harvesting, handling, and marketing
               of the production.

 0DE   2000    B   RIV's used will be those in the local market area in which you
               normally market the crop, to the extent feasible. If the RIV for a
               buyer located outside your local market area is less than the RIV in
               your local market area, then the RIV may be increased by the additional
               costs required to deliver the production to the buyer, provided that
               the resulting RIV does not exceed the RIV in your local market area.
               If the damaged production has been sold, the Discount Factor will be
               based upon the RIV's applied by the buyer unless it is determined that
               such RIV's are not usual, customary, and reasonable.

               C  For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such
               production in a manner which establishes a value.  In such cases, the
               value we agree to will be utilized in accordance with our approved
               procedures to the determine RIV for quality adjustment purposes according
               to section 6 herein.  Only production qualifying under the terms of this
               section 6 (a pre-established discount factor for at least one quality
               deficiency is not contained in the discount factor charts above) may be
               adjusted in this manner.  Notwithstanding the first two sentences of this
               paragraph C, claims involving production containing levels of substances
               or having conditions that are injurious to human or animal health in
               execss of the maximum amounts allowed by the Food and Drug Administration,
               or other public health organizations of the United States or agency of
               the applicable State may not be settled until such production is sold,
               used, or destroyed.   The value used to determine the RIV for such
               production will be the amount received for the production, or, if the
               production is used, the value you offer and we agree to.

               D  The RIV will be determined  on the earlier of the date such
               quality-adjusted production is sold or the date of final inspection
               for the unit.

               7  If the barley is eligible for quality adjustment according to section 2
               (kernel damage chart) AND section 3 (percent sound barley chart), the
               greater of the two chart Discount Factors will be used.
               In no event will Discount Factors be allowed for both kernel damage and
               percent sound barley.

               *  The "Local Market Price" as defined in the applicable crop provisions.

 0DK   2003    Insurable plants in over-sized containers will be valued for
               purposes of reporting inventory and loss adjustment as if the
               plants were in appropriately sized containers in accordance with
               the standards contained in the current American Standard For Nursery
               Stock (ANSIZ60.1). Each cell in a multiple cell container is considered
               a separate container. See the Eligible Plant Listing and Plant Price
               Schedule for additional information and requirements.


 0DL   2003    Subject to insurance company acceptance, insurable plants damaged
               prior to the attachment of insurance coverage will be insured at
               a reduced value until such plants have fully recovered from damage.

 0DM   2003    In lieu of Section 3(b) of the Basic Crop Provisions, changes to
               the price percentage and coverage level elections that would become
               effective for the current crop year are limited as follows:
               (1) for new policies, changes may not be made after the date of the
               application, and (2) for carryover policies, changes may not be made
               after September 30.

 0DN   2003    Plants that are grown in the field in containers that allow the plants
               to root into the ground (for example, a container without a bottom)
               are considered field grown, except as otherwise provided by the
               Special Provisions.

 0DO   2003    In addition to Section 1 of the Nursery Crop Provisions, the definition
               of a standard container will include: (a) herbaceous perennial (HP) plants
               that are grown in the field in containers without a bottom in a manner
               that allows the plants' roots to grow into the ground, and (b) for all
               other plant types, containers without a bottom that are placed on a
               barrier that will not permit the plants' roots, other than fibrous
               roots, to grow into the ground.

 0DP   2003    See the Eligible Plant List and Plant Price Schedule for cold storage
               requirements, hardiness zone requirements, and procedure for pricing
               unlisted plant cultivars of a listed plant genus, species, or variety.

 0DQ   2003    For field grown plants, measured sizes between those listed on the
               Eligible Plant List and Plant Price Schedule will be rounded to the
               nearest size to determine the price.

 0DR   2003    A plant that is priced on the Eligible Plant Listing and Plant Price
               Schedule(EPL/PPS) under both the high/wide and caliper measurement
               methods will be valued for insurance purposes based on the lowest
               wholesale price for the measurement method contained in the insured's wholesale
               catalog or price list; however, such price may not exceed
               the maximum price limit for the plant on the EPL/PPS for the same
               measurement method.

 0DS   2000    Container sizes are determined on an actual volume basis for purposes
               of determining the price of the plant on the Eligible Plant Listing
               and Plant Price Schedule (EPL/PPS). The FCIC container sizes and volumes
               are shown below:

               FCIC Container Sizes
                                                                             Includes
               FCIC                                                          ANSI
               Size           Gallon Measurement    Cubic Inch Equivalent    Standard
               Name           Minimum   Maximum     Minimum    Maximum       Class
               Pot               0.08      0.19          19         45       SP3
               1 quart           0.20      0.39          46         91       SP4
               2 quart           0.40      0.59          92        137       SP5
               1 gallon          0.60      1.37         138        318        1
               2 gallon          1.38      2.49         319        576        2
               3 gallon          2.50      3.39         577        784        3
               5 gallon          3.40      5.77         785      1,334        5
               7 gallon          5.78      8.49       1,335      1,962        7
               10 gallon         8.50     11.97       1,963      2,766       10
               15 gallon        11.98     17.49       2,767      4,041       15
               20 gallon        17.50     22.49       4,042      5,196       20
               25 gallon        22.50     29.79       5,197      6,883       25
               30 gallon        29.80     32.49       6,884      7,506       n/a
               35 gallon        32.50     37.49       7,507      8,661       n/a
               40 gallon        37.50     42.49       8,662      9,816       n/a
               45 gallon        42.50     47.49       9,817     10,971       n/a

 0DT   2003    The plant height determined under the high/wide measurement
               pricing method will not include the height of the root ball for
               balled-and-burlapped plants.

 0DV   2004    If any production from any unit will be marketed directly to the
               consumer (without the intervention of a wholesaler, retailer, packer,
               processor, shipper or buyer), a pre-harvest crop appraisal is required.
               Notification to us must be provided at least 15 days before harvest
               begins.  This requirement may be waived, in writing by the Regional
               Office, based upon evidence that acceptable supporting documentation
               is being maintained as required in the Crop Insurance Handbook.


 0DW   2000    For the purpose of section 9 (Replanting Payments) of the Small Grains Crop
               Provisions, a replanting payment will be calculated using the price
               election for the type of wheat that is replanted and insured.  For example, if
               damaged Durum wheat (type 015) acreage is replanted to another spring type
               (type 012), the price election for type 012 will be used to calculate any
               replanting payment that may be due.  A revised acreage report will be
               necessary to record the new type and price election for the replanted
               acreage, and to reflect the new premium amount.  However, if damaged winter
               wheat is replanted with a spring wheat type or durum wheat, and insurance
               continues based on the guarantee and the price election for the winter type,
               any replant payment will be based on the winter type.

               Only one price election percentage will be applicable for all wheat types
               insured under one wheat policy.  For example, if you elect a price election
               for Durum wheat equal to 80% of the established price, the price election
               applicable for other wheat types must also be 80% of the established price.

               In the event of loss or damage on a unit for which more than one price
               election is applicable, we will settle your claim by:
               (a)  Multiplying the insured acreage of each type by the production guarantee;
               (b)  Multiplying each result by the price election for the applicable type;
               (c)  Adding these dollar values;
               (d)  Multiplying the production to count of each type by the price election
                    for that type;
               (e)  Adding these dollar values;
               (f)  Subtracting the result of step (e) from the result of step (c); and,
               (g)   Multiplying the result by your share.

 0DX   2003    For the purpose of Section 11(d)(1)(iii) of the crop provisions, the date
               potatoes would have reached full maturity will be 80 days prior to the
               calendar date for the end of the insurance period for type 085 only and
               60 days for all other types.

 0DY   2003    In lieu of Section 7(c)of the applicable Dry Pea Crop Provisions,
               Austrian Winter Peas are only insurable if you request insurance in
               writing for such dry peas, and we agree in writing to provide coverage.
               Your request to insure Austrian Winter Peas must be ANNUALLY submitted
               to us not later than the sales closing date.  We will not agree to insure
               Austrian Winter Peas unless an adequate stand exists in the spring;
               and in lieu of Section 9(a) of the applicable Dry Pea Crop Provisions,
               coverage for Austrian Winter Peas, will begin on the earlier of April 15
               or the date we agree to accept the acreage for insurance, but not before
               March 1.

 0DZ   2001    In lieu of the cancellation, termination and contract change dates in
               the CRC Wheat Crop Provisions, the cancellation date is September 30,
               the termination date is November 30 and the contract change date
               is June 30.

 0E0   2003    Subparagraph 11(d) (3) (ii) of the Small Grains Crop Provisions does not
               apply.  In lieu of the provisions in paragraph 11(d) (4) of the Small
               Grains Crop Provisions, barley production that has a musty, sour, or
               commercially objectionable foreign odor (except smut or garlic odor)
               or that is otherwise eligible for quality adjustment, as specified in
               paragraphs 11(d) (2) and (3) of such provisions, will be reduced as
               follows:


 0E1   2003    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count. The QA Factor (not less than zero) will be multiplied by the number
               of bushels remaining after any reduction due to excessive moisture (in
               accordance with the applicable crop provisions) to determine the net
               production to count. Any grain which, due to insurable causes, has zero
               market value (net zero market value after consideration of additional costs
               to deliver damaged grain to a market of reasonable distance outside your
               local marketing area) will not be considered production to count if the
               production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for
               the respective types and levels of damage.  Additional costs to deliver
               grain outside your local market will be allowed only for types and levels
               of damage included in section 6.

               1  Barley will be discounted for grade as follows:

                  Grade                  DF

                  U.S. No. 5            .096
                  U.S. Sample Grade     .232

               2  Barley will be discounted for low test weight as follows:

                    Test Weight Pounds    DF      Test Weight Pounds     DF
                    36 and above          None     32-32.99             .025
                    35-35.99              .006     31-31.99             .032
                    34-34.99              .013     30-30.99             .038
                    33-33.99              .019     Below 30 - See Section 6

               3  Barley will be discounted for excessive kernel damage (excluding heat
                  damage) as follows:

                     Kernel Damage% DF     Kernel Damage%   DF    Kernel Damage%   DF
                     10 and below  None    19.01-20        .223   27.01-28        .478
                     10.01-11      .013    20.01-21        .255   28.01-29        .510
                     11.01-12      .025    21.01-22        .287   29.01-30        .541
                     12.01-13      .038    22.01-23        .318   30.01-31        .573
                     13.01-14      .051    23.01-24        .350   31.01-32        .605
                     14.01-15      .064    24.01-25        .382   32.01-33        .637
                     15.01-16      .096    25.01-26        .414   33.01-34        .669
                     16.01-17      .127    26.01-27        .446   Above 34 - See Section 6
                     17.01-18      .159
                     18.01-19      .191


 0E2   2003    4  Barley will be discounted for percent thin barley as follows:

                  Thin Barley %      DF
                  75 and below       None
                   75.01-80          .032
                   80.01-85          .064
                   85.01-90          .096
                   90.01-95          .127
                   95.01-100         .159

               5  Barley will be discounted garlicky grade as follows:

                  Garlicky = .064

               6  Barley with (A) a test weight below 30 pounds per bushel; (B) a kernel
               damage percentage above 34 percent; (C) a sound barley percentage below
               50 percent; (D) an ergoty or smutty grade; (E) a musty, sour, or
               commercially objectionable foreign odor (except smut or garlic odor);
               or (F) the presence of substances or conditions identified by the Food
               and Drug Administration or other public health organizations of the United
               States as injurious to human or animal health; may be allowed a discount
               factor. To determine the discount factor, the reduction in value (RIV)
               due to all covered quality deficiencies will be determined and that value will
               then be divided by the local market price*.  Discount factors included in
               sections 1 through 5 will not be used if production qualifies for
               adjustment under this section 6.

               A  The RIV specified in section 6 will be limited to amounts that
               are usual, customary, and reasonable. If the RIV can be decreased by
               conditioning the production, the RIV after conditioning may be
               increased by the cost of conditioning, provided that the resulting
               RIV does not exceed the RIV before conditioning. No RIV will be
               accepted if it is due to (1) moisture content; (2) damage due to
               uninsured causes; or (3) drying, handling, processing, or any other
               costs associated with normal harvesting, handling, and marketing
               of the production.

 0E3   2003    B   RIV's used will be those in the local market area in which you
               normally market the crop, to the extent feasible. If the RIV for a
               buyer located outside your local market area is less than the RIV in
               your local market area, then the RIV may be increased by the additional
               costs required to deliver the production to the buyer, provided that
               the resulting RIV does not exceed the RIV in your local market area.
               If the damaged production has been sold, the Discount Factor will be
               based upon the RIV's applied by the buyer unless it is determined that
               such RIV's are not usual, customary, and reasonable.

               C  For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such
               production in a manner which establishes a value.  In such cases, the
               value we agree to will be utilized in accordance with our approved
               procedures to determine the RIV for quality adjustment purposes according
               to section 6 herein.  Only production qualifying under the terms of this
               section 6 (a pre-established discount factor for at least one quality
               deficiency is not contained in the discount factor charts above) may be
               adjusted in this manner.  Notwithstanding the first two sentences of this
               paragraph C, claims involving production containing levels of substances
               or having conditions that are injurious to human or animal health in
               excess of the maximum amounts allowed by the Food and Drug Administration,
               or other public health organizations of the United States or agency of
               the applicable State may not be settled until such production is sold,
               used, or destroyed.   The value used to determine the RIV for such
               production will be the amount received for the production, or, if the
               production is used, the value you offer and we agree to.

               D  The RIV and local market price* will be determined on the earlier
               of the date such quality-adjusted production is sold or the date of final
               inspection for the unit.

               *  The "Local Market Price" as defined in the applicable crop provisions.

 0EA   2003    Plants smaller than the smallest listed size for that plant are not
               insurable.

 0EB   2003    In accordance with Section 6(c) of the Nursery Crop Provisions, you
               must submit two copies of your nursery's most recent wholesale catalog
               or price list at the time the initial Plant Inventory Value Report is
               submitted for each crop year.  If your nursery publishes more than one
               edition of its wholesale catalog or price list offering different
               plants (e.g., a fall plant catalog and a spring plant catalog), you
               must submit two copies of the most recent edition of each at the time
               the initial Plant Inventory Value Report is submitted.

 0EC   2000    APPROVED MALTING BARLEY VARIETIES:  B1202
                                                   B2601
                                                   Chinook
                                                   Crest
                                                   Crystal
                                                   Excel
                                                   Foster
                                                   Galena
                                                   Harrington
                                                   Klages
                                                   Merit
                                                   Moravian 22
                                                   Morex
                                                   Russell
                                                   Stander

               All Varieties recommended for malting by the American Malting Barley
               Association, Inc.; and, All Varieties meeting the conditions set
               forth in the Malting Barley Price and Quality Endorsement produced
               under contract as defined in the endorsement.

               Varieties meeting the conditions set forth in the Malting Barley Price
               and Quality Endorsement which are not contracted or listed above may
               be insured via FCI-2 Written Agreement.  Submit a request for insurance through
               your agent by the acreage reporting date.


 0ED   2000    APPROVED MALTING BARLEY VARIETIES:  B1202
                                                   B2601
                                                   Chinook
                                                   Crest
                                                   Crystal
                                                   Excel
                                                   Foster
                                                   Galena
                                                   Harrington
                                                   Klages
                                                   Merit
                                                   Moravian 111
                                                   Moravian 22
                                                   Morex
                                                   Russell
                                                   Stander
                                                   Triumph

               All Varieties recommended for malting by the American Malting Barley
               Association, Inc.; and, All Varieties meeting the conditions set
               forth in the Malting Barley Price and Quality Endorsement produced
               under contract as defined in the endorsement.

               Varieties meeting the conditions set forth in the Malting Barley Price
               and Quality Endorsement which are not contracted or listed above may
               be insured via FCI-2 Written Agreement.  Submit a request for insurance through
               your agent by the acreage reporting date.

 0EF   2001    In accordance with Section 3(d) of the Crop Provisions:  if the insured's
               highest yield in the three previous crop years was less than 750 cartons
               per acre but more than 300 cartons per acre, the amount of insurance will
               be the reference maximum dollar amount multiplied by the ratio of the
               highest yield divided by 750, times the selected coverage level.

 0EH   2001    Allowable cost for harvested production is $1.00 per carton for Navel Oranges.

               The minimum value to be used for harvest and appraised production will be
               $2.00 per carton for Navel Oranges.

 0EI   1997      *** Alfalfa or Forage mixtures containing at least 50 percent Alfalfa,
               Clover, or any other locally recognized and approved forage species (by
               weight).

 0EJ   2001    MINIMUM VALUE OPTION:
               The minimum value to be used for harvested and appraised production will be:
                                 Navel Oranges, Option I   $1.00 per carton
                                 Navel Oranges, Option II  $0.50 per carton

 0EK   2003    Citrus Canker disease is an insurable cause of loss.

 0EM   2000    The Allowable Costs and Minimum Values are:
                                                 Allowable Costs          Minimum Values
                 Sweet Cherries (Fresh Market)   $0.25 per pound          $0.60 per pound


               The Minimum Value Option Prices are:
                                                 Option I                 Option II
                 Sweet Cherries (Fresh Market)   $0.30 per pound          $0.10 per pound

 0EN   2001    In accordance with Section 6 (a)(4) of the Cherry Crop Provisions, the insured
               crop will be sweet cherries grown on acreage that has produced at least 4,000
               pounds per acre in one of the three previous crop years.  Acceptable supporting
               documentation of previous production includes receipts from buyers showing
               quantities delivered, daily records of harvest or direct sales, and preharvest
               estimates of production certified by third parties.  No minimum tree age is
               required.

 0EO   2003    Optional Units may be established only for cherry acreage located on
               non-contiguous land, separated by tracts of other ownership.  Optional
               units are not allowed by section, section equivalent, FSA farm serial number.

 0EP   2003    Sweet cherries marketable as fresh fruit must meet the standards being used by
               most handlers in the area for current crop, such as US Standards for Grades of
               Sweet Cherries.

 0EQ   2000    The Allowable Costs and Minimum Values are:
                                                 Allowable Costs          Minimum Values
                 Sweet Cherries (Fresh Market)   $0.15 per pound          $0.35 per pound


               The Minimum Value Option Prices are:
                                                 Option I                 Option II
                 Sweet Cherries (Fresh Market)   $0.20 per pound          $0.10 per pound

 0ER   2001    Insurable crop: In accordance with Section 6(a)(3) of the Cherry Crop
               Provisions, non-irrigated acreage may be insurable only by written
               agreement.  The non-irrigated acreage must meet the same minimum age
               and production requirements as specified for irrigated acreage in the
               Special Provisions.  Contact your crop insurance agent by the sales
               closing date to determine eligibility requirements.

 0ET   2002    For Sweet Cherries (Fresh Market), the minimum value to be used for
               harvested and appraised production will be $0.33 per pound.

 0EU   2002    If you selected Option I of the Minimum Value Option, the minimum
               value option price is $0.22 per pound for Sweet Cherries (Fresh Market).
               If you selected Option II of the Minimum Value Option, the minimum value option
               price is $0.11 per pound for Sweet Cherries (Fresh Market).

 0EV   2003    Non-irrigated acres of sweet cherries are insurable.

 0EW   2002    For Sweet Cherries (Fresh Market), the minimum value to be used
               for harvested and appraised production will be $0.33 per pound.
               For Sweet Cherries (Processing), the minimum value to be used
               for harvested and appraised production will be $0.28 per pound.

 0EZ   2003    Insurable type: The same acres harvested for both fresh cherries and processing
               cherries will be considered as processing cherries for crop insurance program
               purposes.  All cherry production from such acres will
               be attributed to processing cherries.

 0FA   2003    Unit Division: Optional units may be established only for cherry acreage
               located on non-contiguous land.  The term non-contiguous is further
               defined for unit structure clarification as tracts of land of other
               ownership excluding cash rented land.  Optional units are not allowed
               by section, section equivalent, FSA farm serial number, or for irrigated
               and non-irrigated practices. Optional units are not available for sweet
               cherries insured under the Catastrophic Risk Protection endorsement or
               provisions.

 0FB   2001    Insurable crop: In accordance with Section 6(a)(4) of the Cherry Crop
               provisions, the insured crop will be sweet cherries grown on acreage
               that has produced at least 4,000 pounds per acre in one of the five
               previous crop years immediately preceding the insured crop year,
               unless inspected and otherwise determined uninsurable.
               No minimum tree age is required.

 0FC   2000    Allowable cost for hand harvested production will be $0.28 per pound
               for Fresh Market Sweet cherries (does not apply to U-Pick production)
               and $0.07 per pound for machine harvested Sweet Cherries.

 0FD   2003    For Sweet Cherries (Fresh Market), the minimum value to be used
               for harvested and appraised production will be $0.40 per pound.
               For Sweet Cherries (Processing), the minimum value to be used
               for harvested and appraised production will be $0.14 per pound.

 0FF   2003    The Minimum Value Option is not available for Sweet Cherries (Processing).
               If you selected Option I of the Minimum Value Option, the minimum value
               option price is $0.26 per pound for Sweet Cherries (Fresh Market).  If you
               selected Option II of the Minimum Value Option, the minimum value option
               price is $0.13 per pound for Sweet Cherries (Fresh Market).

 0FG   2003    Grading standards for sweet cherries: The marketable production of
               sweet cherries includes the production that meets or exceeds U.S.
               No. 1 as stated in the United States Standards for Grades of Sweet
               Cherries, or would be accepted by a packer, processor, or other handler
               even if failing to meet the aforementioned grading standard.

 0FH   2002    The Minimum Value Option is not available for Sweet Cherries
               (Processing). If you selected Option I of the Minimum Value Option,
               the minimum value option price is $0.22 per pound for Sweet Cherries
               (Fresh Market). If you selected Option II of the Minimum Value Option,
               the minimum value option price is $0.11 per pound for Sweet Cherries
               (Fresh Market).

 0FI   2002    For Sweet Cherries (Fresh Market), the minimum value to be used for
               harvested and appraised production will be $0.33 per pound.  For
               Sweet Cherries (Processing), the minimum value to be used for harvested
               and appraised production will be $0.28 per pound.

 0FJ   2002    The Minimum Value Option is not available for Sweet Cherries
               (Processing).  If you selected Option I of the Minimum Value Option,
               the minimum value option price is $0.22 per pound for Sweet Cherries
               (Fresh Market). If you selected Option II of the Minimum Value Option,
               the minimum value option price is $0.11 per pound for Sweet Cherries
               (Fresh Market).

 0FK   2000    Subparagraph 11 (d) (3) (ii) of the Safflower Crop Provisions does
               not apply. In lieu of subparagraph 11 (d) (2) of the Safflower Crop Provisions,
               safflower will be eligible for quality adjustment if it
               has a musty, sour, or commercially objectionable foreign odor or if
               it has a test weight below 35 pounds per bushel or has kernel damage
               in excess of 25 percent. Production is also eligible for quality
               adjustment if substances or conditions are present, including
               mycotoxins, that are identified by the Food and Drug Administration
               or other public health organizations of the United States as being
               injurious to human or animal health.  Production of safflower seed
               that is eligible for quality adjustment will be reduced as follows:

               The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place
               decimals). No other quality factors will be considered in determining
               production to count.  The QA Factor (not less than zero) will be
               multiplied by the number of pounds remaining after any reduction due
               to excessive moisture (in accordance with the applicable crop provisions)
               to determine the net production to count. Any safflower seed which, due
               to insurable causes, has zero market value (net zero market value after
               consideration of additional costs to deliver damaged safflower seed to
               a market of reasonable distance outside your local marketing area) will
               not be considered production to count if the production is destroyed.
               Production that is not destroyed in a manner acceptable to us will
               be adjusted in accordance with the rules below for the respective
               types and levels of damage.  Additional costs to deliver safflower
               seed outside your local market will be allowed only for types and
               levels of damage included in section 3.

               1  Safflower will be discounted for excessive kernel damage (excluding
               heat damage) as follows:

               Kernel Damage %     DF   Kernel Damage %      DF   Kernel Damage %    DF
                  25 and below    None     29.01-30         .325    35.01-36        .431
                  25.01-26        .255     30.01-31         .343    Above 36 - See Section
                  26.01-27        .272     31.01-32         .361
                  27.01-28        .290     32.01-33         .378
                  28.01-29        .308     33.01-34         .396
                  29.01-30        .325     34.01-35         .414

               2  Safflower will be discounted for musty odor, sour odor, and commercially
               objectionable foreign odor (COFO) as follows:

                  Musty Odor = .035        Sour Odor = .035        COFO = .050

               3  Safflower with (A) a test weight below 35 pounds per bushel;
               (B) a kernel damage percentage above 36 percent; and/or
               (c) the presence of substances or conditions identified by the Food
               and Drug Administration or other public health organizations of the
               United States as injurious to human or animal health; may be allowed
               a discount factor.  To determine the discount factor, the reduction in
               value (RIV) due to all covered quality deficiencies will be determined
               and that value will then be divided by the local market price*.  Discount
               factors included in sections 1 and 2 will not be used if production
               qualifies for adjustment under this section 3.


 0FL   2000    A  The RIV specified in section 3 will be limited to amounts that are
               usual, customary, and reasonable. If the RIV can be decreased by
               conditioning the production, the RIV after conditioning may be
               increased by the cost of conditioning, provided that the resulting RIV
               does not exceed the RIV before conditioning. No RIV will be accepted if
               it is due to (1) moisture content; (2) damage due to uninsured causes;
               or (3) drying, handling, processing, or any other costs associated with
               normal harvesting, handling, and marketing of the production.

               B  RIV's used will be those in the local market area in which you normally
               market the crop, to the extent feasible. If the RIV for a buyer located
               outside your local market area is less than the RIV in your local market
               area, then the RIV may be increased by the additional costs required to
               deliver the production to the buyer, provided that the resulting RIV
               does not exceed the RIV in your local market area. If the damaged
               production has been sold, the discount factor will be based upon the
               RIV's applied by the buyer unless it is determined that such RIV's are
               not usual, customary, and reasonable.

               C  For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such production
               in a manner which establishes a value.  In such cases, the value we agree
               to will be utilized in accordance with our approved procedures to determine
               the RIV for quality adjustment purposes according to section 3 herein.
               Only production qualifying under terms of this section 3 (a pre-established
               discount factor for at least one quality deficiency is not contained in
               the discount factor charts above) may be adjusted in this manner.
               Notwithstanding the first two sentences of this paragraph C, claims
               involving production containing levels of substances or having conditions
               that are injurious to human or animal health in excess of the maximum
               amounts allowed by the Food and Drug Administration, other public health
               organizations of the United States or agency of the appliciable State
               may not be settled until such production is sold, used, or destroyed.
               The value used to determine the RIV for such production will be the
               amount received for the production, or, if the production is used, the
               value you offer and we agree to.

               D  The RIV will be determined on the earlier of the date
               such quality-adjusted production is sold or the date of final
               inspection for the unit.

               *  The "Local Market Price" as defined in the applicable crop provisions.

 0FN   2003    If you selected Option I of the Minimum Value Option, the minimum
               value option price is $6.00.  If you selected Option II of the Minimum
               Value Option, the minimum value option price is zero.

 0FP   2003    Insurable varieties of Strawberries will be limited to:  Chandler and Camarosa.

 0FQ   2003    Insurable Varieties of Strawberries will be limited to:  Chandler, Camarosa,
               and Sweet Charlie.

 0FR   2003    Cultural Requirements:  In accordance with Section 6(a)(5) of the Strawberry
               Crop Provisions, all transplants must be disease free plants.  Each crop year
               you must fumigate and plant on raised beds with plastic mulch, drip irrigation
               and provide overhead irrigation for frost/freeze protection.

 0FS   2003    Minimum Value:  The minimum value to be used for harvested and appraised
               production will be $0.20 per pound.

 0FT   2003    Minimum Value:  The minimum value to be used for harvested and appraised
               production will be $0.20 per pound.

 0FU   2001    Minimum Value:  The minimum value to be used for harvested and appraised
               production is $0.20 per pound.

 0FV   2003    Minimum Value:  The minimum value to be used for harvested and appraised
               production is $0.50 per pound.

 0FW   2003    Minimum Value:  The minimum value to be used for harvested and appraised
               production is $0.34 per pound.

 0FX   2003    Minimum Value:  The minimum value to be used for harvested and appraised
               production is $0.35 per pound.

 0G1   2001    APPROVED MALTING BARLEY VARIETIES:  B1602
                                                   Foster
                                                   Excel
                                                   Morex
                                                   Robust
                                                   Stander

               All varieties recommended for malting by the American Malting Barley
               Association, Inc.

               Varieties meeting the conditions set forth in the Malting Barley Option
               Amendment, but not shown as an approved variety, will be insured. Contact
               your crop insurance agent by the sales closing date to determine
               eligibility requirements.

 0G2   2000    APPROVED MALTING BARLEY VARIETIES:  Anheuser Busch 1602 (6-row)
                                                   Excel (6-row)
                                                   Foster
                                                   Morex (6-row)
                                                   Robust (6-row)
                                                   Stander
                                                   Triumph

               All varieties grown in this state recommended for malting by the American
               Malting Barley Association,Inc.: and, all varieties meeting the conditions set
               forth in the Malting Barley Price and Quality endorsement produced
               under contract as defined in the endorsement.

               Varieties meeting the conditions are set forth in the Malting Barley
               Price and Quality Endorsement which are not contracted may be insured
               via FCI-2 Written Agreement. Submit a request for insurance through your
               agent by acreage reporting date.


 0G3   2000    APPROVED MALTING BARLEY VARIETIES:  Anheuser Busch 1201 & 1202 (2-row)
                                                   Anheuser Busch 1603
                                                   Anheuser Busch 2601 (6-row)
                                                   Anheuser Busch 5648
                                                   Chinook
                                                   Clark (2-row)
                                                   Crest (2-row)
                                                   Crystal (2-row)
                                                   Excel (6-row)
                                                   Foster
                                                   Galena
                                                   Harrington (2-row)
                                                   Klages (2-row)
                                                   Merit
                                                   Moravian III (2-row)
                                                   Moravian 22
                                                   Morex (6-row)
                                                   Russell
                                                   Stander
                                                   Triumph

               All varieties grown in this state recommended for malting by the American
               Malting Barley Association, Inc.: and, all varieties meeting the
               conditions set forth in the Malting Barley Price and Quality endorsement
               produced under contract as defined in the endorsement.

               Varieties meeting the conditions are set forth in the Malting Barley
               Price and Quality Endorsement which are not contracted may be insured
               via FCI-2 Written Agreement.  Submit a request for insurance through
               your agent by acreage reporting date.

 0G4   2000    APPROVED MALTING BARLEY VARIETIES:  Anheuser Busch 1602
                                                   Excel
                                                   Foster
                                                   Morex
                                                   Robust
                                                   Stander
                                                   Triumph

               All varieties grown in this state recommended for malting by the American
               Malting Barley Association, Inc.: and, all varieties meeting the
               conditions set forth in the Malting Barley Price and Quality endorsement
               produced under contract as defined in the endorsement.

               Varieties meeting the conditions are set forth in the Malting Barley
               Price and Quality Endorsement which are not contracted may be insured
               via FCI-2 Written Agreement. Submit a request for insurance through
               your agent by acreage reporting date.

 0G5   2000    APPROVED MALTING BARLEY VARIETIES:  Anheuser Busch 1201 (2-row)
                                                   Anheuser Busch 1202 (2-row)
                                                   Anheuser Busch 2601 (6-row)
                                                   Clark (2-row)
                                                   Crystal (2-row)
                                                   Excel
                                                   Foster
                                                   Galena
                                                   Harrington (2-row)
                                                   Klages (2-row)
                                                   Merit
                                                   Moravian III (2-row)
                                                   Moravian 22
                                                   Morex (6-row)
                                                   Stander
                                                   Triumph

               All varieties grown in this state recommended for malting by the American
               Malting Barley Association,Inc.: and, all varieties meeting the conditions set
               forth in the Malting Barley Price and Quality endorsement produced
               under contract as defined in the endorsement.

               Varieties meeting the conditions are set forth in the Malting Barley
               Price and Quality Endorsement which are not contracted may be insured
               via FCI-2 Written Agreement. Submit a request for insurance through your
               agent by acreage reporting date.


 0GA   2000    Allowable Cost:  In accordance with Section 1 of the Strawberry Crop
               Provisions, the allowable cost is $0.15 per pound. Allowable cost does
               not apply to direct marketed production in which the general public is
               permitted to enter the field for the purpose of picking the crop.

 0GB   2001    Allowable Cost:  In accordance with Section 1 of the Strawberry Crop
               Provisions, the allowable cost is $0.30 per pound. Allowable cost does
               not apply to direct marketed production in which the general public is
               permitted to enter the field for the purpose of picking the crop.

 0GD   2001    Allowable Cost:  In accordance with Section 1 of the Strawberry Crop
               Provisions, the allowable cost is $0.35 per pound. Allowable cost does
               not apply to direct marketed production in which the general public is
               permitted to enter the field for the purpose of picking the crop.

 0GE   2003    Allowable Cost:  In accordance with Section 1 of the Strawberry Crop
               Provisions, the allowable cost is $0.36 per pound.  Allowable cost does
               not apply to direct marketed production in which the general public is
               permitted to enter the field for the purpose of picking the crop.

 0GH   2003    Allowable Cost:  In accordance with Section 1 of the Strawberry Crop
               Provisions, allowable cost is $0.33 per pound.  For direct marketed
               production in which the general public is permitted to enter the field
               for the purpose of picking the crop, the allowable cost is $0.06 per pound.

 0GI   2003    "In accordance with Section 13 (f)(2)(vii)and (g)(2)(vi): Fifteen (15)
               percent of all cull production will be considered production to count
               for Rate Class Option Codes FB and FBSU, and zero (0) percent of all
               cull production will be considered production to count for Rate Class
               Option Codes FD and FDSU. The standard 30 (thirty) percent add-back
               shall be applicable to producers who elect either of the Quality
               Options (Rate Class Option Codes FC and FCSU respectively), but who
               do not specifically select an alternative add-back percentage."

 0GJ   2003    Allowable Cost:  In accordance with Section 1 of the Strawberry Crop
               Provisions, the allowable cost is $0.38 per pound. Allowable cost does
               not apply to direct marketed production in which the general public is
               permitted to enter the field for the purpose of picking the crop.

 0GK   2000    Cultural Requirements:  In accordance with Section 6(a)(5)of the Strawberry
               Crop Provisions, the cultural requirements for insurability are:
               1.  Soil Fumigation:
                   A.  With a mixture of no more than 75 percent methyl bromide and no less
                       than 25 percent chloropicrin, unless restricted by the proximity
                       of residential areas to the field:
                       (1) Applied at a minimum rate of 250 pounds per acre for bed
                           fumigation and 300 pounds per acre for field
                           fumigation; and
                       (2) Completed at least 4 weeks and no more than 6 months prior to
                           planting.
                   B.  Other soil sterilization techniques can satisfy this requirement
                       if tested, shown to be effective,  and applied according to
                       recommendations of the University of California Cooperative Extension
                       (UCCE)Service.
               2.  Planting beds must be raised at least six (6) inches.
               3.  Initial plant density must be at least 20,000 viable plants per acre.
               4.  All transplants must satisfy the requirements of the Strawberry
                   Certification Program administered by the California Department of
                   Food and Agriculture.
               5.  Plastic (polyethylene) mulch must be applied to the planting beds
                   by January 1 or as recommended by UCCE for the location and planting
                   system.
               6.  The salinity of irrigation water and soil must be tested each year
                   before planting and show electrical conductivity (EC) measured in
                   deciSiemens per meter(dS/m):
                   A. Irrigation water: Ecw less than 1.5 dS/m; and,
                   B. Soil: Ece less than 2.0 dS/m.


 0GL   2003    Picking Factors and Estimated Production:  In accordance with Section 1,
               and 11(c)(4) of the Strawberry Crop Provisions, the picking factors and
               estimated pounds of strawberries per picking are as follows:

                      Harvest            Picking          Estimated Pounds
                       Dates             Factor         Per Picking/Per Acre

                 April 10 - May 15         3.5                 1,800 lbs.

 0GO   2003    **** Insurable variety for Group A: Russet.

 0GP   2000    Cultural Requirements:  In accordance with Section 6(a)(5) of the Strawberry
               Crop Provisions, all transplants must be certified disease free plants.
               Each crop year you must fumigate and plant on raised beds with plastic
               mulch and provide overhead irrigation for freeze protection.

 0GQ   2000    Zinfandel grapes may be insured as type "red zinfandel (113)" only if:
               1) the grapes are grown under a contract with a winery; 2) the
               winery contract specifically states that the grapes are being grown
               for the production of red zinfandel wine; and 3) are properly and timely
               pruned for the purposes of producing red zinfandel wine; and 4) a copy
               of the contract is provided to us no later than the earlier of the acreage
               reporting date or the date of any damage to the insured crop.  Failure to
               comply with any of the above terms will result in the grapes being insured
               as type "zinfandel (094)".

 0GR   2003    Cultural Requirements: In accordance with Section 6(a)(5) of the Strawberry
               Crop Provisions, the cultural requirements for insurability are:
               1.  Pre-plant Soil Fumigation:
                   A.  Completed at least 2 weeks before planting;
                   B.  With a mixture of no more than 98 percent methyl bromide
                       and no less than 2 percent chloropicrin; and
                   C.  Applied at a rate of at least 150 pounds per acre for bed
                       fumigation.
               2.  The minimum height of planting beds must be six (6) inches.
               3.  Plastic (polyethylene) mulch must be applied to cover the
                   entire surface of the planting beds by October 1.
               4.  At least 10,000 viable plants per acre must be planted in the field.

 0GS   2001    Minimum Prior Production:  In accordance with Section 6(a)(8), the insured
               crop must be grown by a person who produced at least 18,000 pounds of
               strawberries per planted acre in at least one of the three previous crop
               years.


 0GT   2000    Minimum Prior Production:  In accordance with Section 6(a)(8), the insured
               crop must be grown by a person who produced at least 30,000 pounds of
               strawberries per planted acre in at least one of the three previous crop
               years.



 0GU   2000    Minimum Prior Production:  In accordance with Section 6(a)(8), the insured
               crop must be grown by a person who produced at least 42,000 pounds of
               strawberries per planted acre in at least one of the three previous crop
               years.



 0GX   2003    Picking Factors and Estimated Production:  In accordance with Section 1
               and 11(c)(4), of the Strawberry Crop Provisions, the picking factors and
               estimated pounds of strawberries per picking are as follows:

                      Harvest                 Picking               Estimated Pounds
                       Dates                  Factors                 Per Picking
                                                                       (Per Acre)

               Prior to December 31              3                      217 lbs.
               January 1 - January 31            3                      381 lbs.
               February 1 - February 29          3                      692 lbs.
               March 1 - March 31                3                    1,115 lbs.
               April 1 - April 30                3                      392 lbs.

 0GY   2003    Picking Factors and Estimated Production:  In accordance with Section 1
               and 11(c)(4), of the Strawberry Crop Provisions, the picking factors and
               estimated pounds of strawberries per picking are as follows:

                      Harvest                 Picking               Estimated Pounds
                       Dates                  Factors             Per Picking/Per Acre
                                                                Single Row     Double Row
               February 20 - March 15            5                325 lbs.       625 lbs.
               March 16 - April 30               3              3,375 lbs.     4,000 lbs.
               May 1 - May 15                    3                325 lbs.       625 lbs.

 0GZ   2001    Picking Factors and Estimated Production: In accordance with Section 1 and
               11(c)(4), of the Strawberry Crop Provisions, the picking factors and
               estimated pounds of strawberries per picking are as follows:

               Type                       Harvest               Picking          Estimated
                                           Dates                Factors         Pounds Per
                                                                                  Picking
                                                                                (Per Acre)
               Summer Planting     September 1- September 30       4               1,200
               Summer Planting     October 1 - November 30         4               2,400
               Summer Planting     December 1 - December 31        4                 800

               Winter Planting     January 1 - January 31          4                 300
               Winter Planting     February 1 - February 29        4                 600
               Winter Planting     March 1 - March 31              4               1,200
               Winter Planting     April 1 - May 31                4               2,400
               Winter Planting     June 1 - June 30                5               1,200
               Winter Planting     July 1- July 31                 5                 400

 0HA   2001    Picking Factors and Estimated Production: In accordance with Section 1 and
               11(c)(4), of the Strawberry Crop Provisions, the picking factors and
               estimated pounds of strawberries per picking are as follows:

               Type                       Harvest               Picking         Estimated
                                           Dates                Factors        Pounds Per
                                                                                Picking
                                                                               (Per Acre)

               Winter Planting     February 1 - February 29        4                 300
               Winter Planting     March 1 - March 31              4                 600
               Winter Planting     April 1 - April 30              4               1,200
               Winter Planting     May 1 - June 30                 5               1,600
               Winter Planting     July 1- July 31                 5               1,400

 0HB   2001    Picking Factors and Estimated Production:  In accordance with Section 1
               and 11(c)(4), of the Strawberry Crop Provisions, the picking factors and
               estimated pounds of strawberries per picking are as follows:

               Type                       Harvest               Picking          Estimated
                                           Dates                Factors          Pounds Per
                                                                                  Picking
                                                                                 (Per Acre)
               Summer Planting     October 10 - November 10        5                 100
               Summer Planting     April 1- May 31                 5               1,600
               Summer Planting     June 1 - June 30                5               1,200



 0HD   2003    Standards for Grades:  In accordance with Section 1 of the Strawberry
               Crop Provisions, marketable production will be strawberries that
               meet or exceed U.S. No.2 grading standard as defined in the United States
               Standard for Grades of Strawberries, or production that would be accepted
               by a packer, processor or other handler even if failing to meet grading
               standards.

 0HE   2003    Standards for Grades:  In accordance with Section 1 of the Strawberry
               Crop Provisions, a marketable strawberry is defined as, mature ripe fruit,
               free from decay, freeze injury, shriveling, mold or any other deterioration
               which may have occurred or progressed since the strawberry was harvested
               and which was due to an insurable cause.

 0HF   2001    Standards for Grades:  In accordance with Section 1 of the Strawberry
               Crop Provisions, marketable production would meet the requirements for
               U.S. No.1 grade, as described in U.S. Standards for grades of Strawberries,
               and be accepted by a Class 1 or Class 2 shipper in the area.

 0HG   2001    Standards for Grades:  In accordance with Section 1 of the Strawberry
               Crop Provisions, marketable production would meet the requirements for
               U.S. No.1 grade, as described in U.S. Standards for Grades of Growers'
               Stock Strawberries for Manufacture, or would be accepted by a processor
               or other buyer in the area.

 0HJ   2003    The allowable costs are:
                        Type                           Allowable Cost
                 Long Green New Mexican        $0.05 per pound (wet weight)
                 Long Red New Mexican          $0.25 per pound (dry weight)
                 Cayenne                       $0.05 per pound (wet weight)
                 Jalapeno                      $0.05 per pound (wet weight)

 0HK   2003    The minimum values are:
                        Type                          Minimum Values
                 Long Green New Mexican        $0.10 per pound (wet weight)
                 Long Red New Mexican          $0.33 per pound (dry weight)
                 Cayenne                       $0.17 per pound (wet weight)
                 Jalapeno                      $0.13 per pound (wet weight)

 0HL   2003    In lieu of Section 6(c)(3) of the Winter Squash Crop Provisions, pumpkins grown
               for direct marketing are insurable in this county.

 0HM   2003    Allowable cost for harvested production will include the actual cost of
               picking, grading, packing containers, hauling and selling not to exceed $3.00
               per cwt.

 0HN   2003    The minimum value to be used for harvested and appraised production will
               be $6.00 per cwt.

 0HO   2003    Insurance will not attach to any acreage on which any member of the
               Cucurbitaceae family was planted in any of the previous three crop years.

 0HP   2003    If the County Extension Agent's recommended number of bee hives per acre
               are not placed in or near the field for crop pollination, any loss of
               production due to poor pollination will be uninsurable, unless the poor
               pollination, can be directly attributed to an insured cause of loss.

 0HQ   2003    Pumpkin varieties planted must be adapted to the area.

 0HR   2003    We will not insure pumpkin varieties of the genus/species C.maxima in this
               county.

 0HT   2003    The minimum value to be used for harvested and appraised production will be
               $6.50 per cwt.

 0HV   2003    Acceptable Records for Direct Marketed Production:  In accordance with
               Section 10(c) of the Strawberry Crop Provisions, acceptable records of
               direct marketed production are:
                    Daily pick records that meet the requirements outlined in the Crop
                    Insurance Handbook (Section 10 C(4)) are acceptable or:
                    1.  Daily farm log that includes quantity sold and price received
                        on a unit basis; or
                    2.  Pick records with pickers identification number and amount picked
                        daily on a unit basis; or
                    3.  Cash register receipt with quantity sold and price received on a
                        unit basis.

 0HW   1999    * Includes Commercial Cranberry, Black Turtle Soup, Dark Red Kidney,
               Light Red Kidney, Pinto, Pea (Navy & Medium White) and White Kidney.

 0HY   2003    The earliest planting date is shown in the "Initial Planting Date" column.

 0HZ   2003    APPROVED MALTING BARLEY VARIETIES:  Alexis
                                                   Andre
                                                   Anheuser Busch 1201
                                                   Anheuser Busch 1202
                                                   Anheuser Busch 2601
                                                   Camarque
                                                   Clark
                                                   Galena
                                                   Karla
                                                   Klages
                                                   Merit
                                                   Moravian III
                                                   Moravian 14
                                                   Moravian 22
                                                   Moravian 37
                                                   Morex
                                                   Premier
                                                   Triumph

               All varieties recommended for malting by the American Malting Barley
               Association, Inc; and All Varieties meeting the conditions set forth
               in the Malting Barley Price and Quality Endorsement produced under
               contract as defined in the endorsement.

               Varieties meeting the conditions set forth in the Malting Barley Price
               and Quality Endorsement which are not contracted or listed above may
               be insured via FCI-2 Written Agreement. Submit a request for insurance
               through your agent by the acreage reporting date.

 0IA   2001    Cultural Requirements:  In accordance with Section 6(a)(5)of the Strawberry
               Crop Provisions, the cultural requirements for insurability are:
               1.  Soil Fumigation:
                   A.  With a mixture of no more than 75 percent methyl bromide and no less
                       than 25 percent chloropicrin, unless restricted by the proximity
                       of residential areas to the field:
                       (1) Applied at a minimum rate of 250 pounds per acre for bed
                           fumigation and 300 pounds per acre for field
                           fumigation; and
                       (2) Completed at least 2 weeks and no more than 16 months prior to
                           planting.
                   B.  Other soil sterilization techniques can satisfy this requirement
                       if tested, shown to be effective,  and applied according to
                       recommendations of the University of California Cooperative Extension
                       (UCCE)Service.
               2.  Planting beds must be raised at least six (6) inches.
               3.  Initial plant density must be at least 12,000 viable plants per acre.
               4.  All transplants must satisfy the requirements of the Strawberry
                   Certification Program administered by the California Department of
                   Food and Agriculture.
               5.  Plastic (polyethylene) mulch must be applied to the planting beds
                   by March 1 or as recommended by UCCE for the location and planting system.


 0IB   2003    Minimum Value Option:  If you selected Option I of the Modified Minimum Value
               Option, the minimum value option price is $0.10 per pound.  If you selected
               Option II of the Modified Minimum Value Option, the minimum value option price
               is $0.05 per pound.

 0IC   2003    ** Insurance will attach only on potatoes planted during the period
               of June 10 - August 1.

 0ID   2003    ** Insurance will attach only on potatoes planted during the period
               of July 1 - September 15.

 0IE   2003    ** Insurance will attach only on potatoes planted during the period
               of February 15 - May 15.

 0IF   2003    Minimum Prior Production:  In accordance with Section 6(a)(8), the
               insured crop must be grown by a person who produced at least 10,000 pounds
               of strawberries per planted acre in at least one of the three previous
               crop years.


 0IG   2003    Minimum Value Option:  If you selected Option I of the Modified Minimum Value
               Option, the minimum value option price is $0.33 per pound.  If you selected
               Option II of the Modified Minimum Value Option, the minimum value option price
               is $0.00 per pound.

 0IH   2003    Minimum Value Option:  If you selected Option I of the Modified Minimum Value
               Option, the minimum value option price is $0.22 per pound.  If you selected
               Option II of the Modified Minimum Value Option, the minimum value option price
               is $0.00 per pound.

 0II   2003    Minimum Value Option:  If you selected Option I of the Modified Minimum Value
               Option, the minimum value option price is $0.23 per pound.  If you selected
               Option II of the Modified Minimum Value Option, the minimum value option price
               is $0.00 per pound.

 0IJ   2003      **Annual Hill Practice - Transplanted into raised beds annually.

 0IK   2003    Age 2 clams are clams that have passed the one year anniversary of the date
               they were planted.  Clams that pass the one year anniversary during the crop
               year will be considered Age 2 clams.  An adjusted inventory report may be
               submitted if needed to avoid an under report factor in case of a loss.  Any
               adjustment must have been made at least 15 days prior to the loss.

 0IL   2003    **** Applicable to insurance under the Guaranteed Tobacco Crop Provisions.

 0IM   2003    **** Applicable to insurance under the Quota Tobacco Crop Provisions.

 0IN   2003    A survival factor of 60% will be applied to the number of 10 mm or above clams
               that have been seeded.  The resulting amount will be the maximum number of
               clams insurable regardless of age.

 0IO   2003    Nursery Bag - Age 1:  Clams a minimum of 5 millimeters, measured at the longest
               shell distance that is parallel to the hinge, placed in nursery bags on the
               lease parcel.

 0IP   2003    Grow-out Bag - Age 2:  Clams a minimum of 10 millimeters, measured at the
               longest shell distance that is parallel to the hinge, placed in grow-out
               bags on the lease parcel.

 0IQ   2003    Bottom Culture - Age 2:  Clams a minimum of 10 millimeters, measured at the
               longest shell distance that is parallel to the hinge, placed in bottom
               culture on the lease parcel.

 0IR   2000    Survival factor for Age 1 Clams will be 75%.

 0IS   2000    Survival factor for Age 2 Clams will be 80%.

 0IT   2003    For Catastrophic insurance coverage only:  Your inventory value report for all
               clams cannot exceed the lesser of the value from section 6(e) of the policy or
               250 percent of your previous year's sales of clams; and if the above
               restrictions cause you to under report the value of your inventory, you must
               present records acceptable to us to prove your actual inventory value to
               receive a waiver of these restrictions.

 0IW   2003    Grow-out Round Pen - Age 2:  Clams a minimum of 10 millimeters, measured at the
               longest shell distance that is parallel to the hinge, placed in round pens on
               the lease parcel.

 0IY   2003    Survival factor for Age 2 Clams will be 70%.

 0IZ   2003    Age 1 clams are clams that have been planted less than one year on November 30
               preceding the crop year.  Clams will remain Age 1 until the one year
               anniversary of the day they were planted.

 0JA   2003    Clams that were less than 10 mm at seeding will not be insurable until they
               have grown to at least 10 mm in size, have been inventoried and the survival
               factor applied to the inventory report.

 0JB   2003    Rotation requirements: In accordance with Section 8 (a)(1) of the
               Sugar Beet Crop Provisions, insurance will not attach to any acreage
               on which sugar beets were grown the preceding crop year unless
               provided by written agreement.

 0JC   2000    Acreage Limitation:  Any person who plants in excess of 125 percent of the
               cabbage acreage grown in the 1998 crop year will be ineligible for insurance
               unless a request is received in writing from the producer to insure the acreage
               and the request is approved by a company representative. An acreage increase of
               five or less acres does not apply to this limitation. The
               request will be approved by the company representative if ONE of the
               following conditions is met:

               1.  The producer has a written contract on all the cabbage acreage with
               the buyer (for the purposes of this statement, a buyer is a processor,
               wholesaler, retailer, packer, or shipper), containing at a minimum:  The
               producer's commitment to plant and grow cabbage, and to deliver the cabbage
               production to the buyer; the commitment by the buyer to purchase production
               stated in the contract; and a base contract price at which the cabbage will
               be purchased.  The producer must provide the contract to the company
               representative before the request will be approved.  If the producer is
               also the buyer:  Prior to the sales closing date, the Board of Directors
               or officers of the company which the producer has a financial interest in
               must execute and adopt a resolution that contains the same terms as an
               acceptable buyer contract.  Such resolution will be considered a buyer
               contract for the purposes of this paragraph.

               2.  The producer will plant no more than the greatest number of acres
               planted by the producer in any one of the three previous crop years. The
               producer must provide written verification of acreage data from the Farm
               Service Agency or Extension Service to the company representative before
               the request will be approved.

               The requests must be made by new insureds at the time of application or by
               carry-over insureds by the sales closing date.

 0JD   2000    Acreage Limitation:  Any person who plants in excess of 125 percent of
               the strawberry acreage grown in the crop year previous to the current crop
               year will be ineligible for insurance unless this limitation is waived by
               the Regional Office.  An acreage increase of five or less acres does not
               apply to this limitation.

 0JG   2002    The Minimum Value Option is not available for Sweet Cherries (Processing).

 0JH   2002    Allowable cost for harvested production will include the actual cost of
               picking, grading, packing containers, hauling and selling not to exceed $6.00
               per bushel per 30 pound carton.

 0JI   2002    Minimum Value:  The minimum value to be used for harvested and appraised
               production will be $4.00 per carton.

 0JJ   2003    Reporting Requirements:  In accordance with Section 3(b) of the Strawberry
               Crop Provisions, the insured must report, in writing, the cultural
               requirements specified in the Special Provisions of Insurance that have been
               carried out, the results of any tests required and the strawberry acreage
               grown in the most recent crop year. The report must be completed annually
               by the acreage reporting date.  Failure to meet any of the requirements will
               result in coverage not attaching on such acreage.

 0JK   2002    Minimum Value Option Price:  If you selected Option I of the Minimum Value
               Option, the minimum value option price is $2.75.  If you selected Option II of
               the Minimum Value Option, the minimum value option prices is zero.

 0JM   2003    Picking Factors and Estimated Production:  In accordance with Section 1, and
               11(c)(4) of the Strawberry Crop Provisions, the picking factors and estimated
               pounds of strawberries per picking are as follows:

                      Harvest            Picking          Estimated Pounds
                       Dates             Factor         Per Picking/Per Acre

                  April 15 - May 20        3.5                 1,800 lbs.

 0JN   2003    Picking Factors and Estimated Production:  In accordance with Section 1, and
               11(c)(4) of the Strawberry Crop Provisions, the picking factors and estimated
               pounds of strawberries per picking are as follows:

                      Harvest            Picking          Estimated Pounds
                       Dates             Factor         Per Picking/Per Acre

                  April 25 - May 31        3.5                 1,800 lbs.

 0JO   2003    Picking Factors and Estimated Production:  In accordance with Section 1, and
               11(c)(4) of the Strawberry Crop Provisions, the picking factors and estimated
               pounds of strawberries per picking are as follows:

                      Harvest            Picking          Estimated Pounds
                       Dates             Factor         Per Picking/Per Acre

                  May 10 - June 15         3.5                 1,800 lbs.

 0JP   2000    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the number
               of pounds remaining after any reduction due to excessive moisture (in
               accordance with applicable crop provisions) to determine the net
               production to count.  Any grain which, due to insurable causes, has zero
               market value (net zero market value after consideration of additional costs
               to deliver damaged grain to a market of reasonable distance outside your
               local marketing area) will not be considered production to count if the
               production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for
               the respective types and levels of damage.  Additional costs to deliver
               grain outside your local market will be allowed only for types and levels
               of damage included in Section 6.

               1 Sunflower seed - Oil type will be discounted for low test weight as
                 follows:

                 Test Weight Pounds  DF  Test Weight Pounds  DF   Test Weight Pounds  DF
                  25 and above      None  20-20.99          .085  Below 17 - See Section 6
                  24-24.99          .017  19-19.99          .102
                  23-23.99          .034  18-18.99          .120
                  22-22.99          .051  17-17.99          .137
                  21-21.99          .068

               2 Sunflower seed - Oil type will be discounted for kernel damage (excluding
                 heat damage) as follows:

                 Kernel Damage %   DF     Kernel Damage %  DF   Kernel Damage %  DF
                   10 and below   None     13.01-14       .244   17.01-18       .395
                   10.01-11       .132     14.01-15       .282   18.01-19       .432
                   11.01-12       .169     15.01-16       .319   19.01-20       .470
                   12.01-13       .207     16.01-17       .357   Above 20 - See Section 6

               3 Sunflower seed - Oil type will be discounted for musty odor, sour odor,
                 and commercially objectionable foreign odor (COFO) as follows:

                 Musty odor = .043        Sour odor = .043      COFO = .060

               4 Sunflowers seed - Non-oil type will be discounted for low test weight as
                 follows:

                  Test Weight Pounds  DF  Test Weight Pounds  DF  Test Weight Pounds  DF
                    22 and above     None   18.00-18.49     .154  Below 17 - See Section 6
                    21.00-21.99      .018   17.50-17.99     .183
                    20.00-20.99      .037   17.00-17.49     .212
                    19.50-19.99      .066
                    19.00-19.49      .095
                    18.50-18.99      .124

               5 Sunflower seed - Non-oil type will be discounted for musty odor, sour
                 odor, and COFO as follows:

                 Musty odor = .037           Sour odor = .037         COFO = .051

 0JQ   2000    6 Sunflower seed with (A) a test weight below 17 pounds per bushel for
                 oil type and non-oil type; (B) a kernel damage percentage above 20
                 percent for oil type; (C) a kernel damage percentage above 5 percent
                 for non-oil type; (D) the presence of substances or conditions
                 identified by the Food and Drug Administration or other public health
                 organizations of the United States as injurious to human or animal
                 health; may be allowed a discount factor.  To determine the discount
                 factor, the reduction in value (RIV) due to all covered quality
                 deficiencies will be determined and that value will then be divided
                 by the local market price*. Discount factors included in sections 1, 2,
                 3, 4, and 5 will not be used if production qualifies for adjustment
                 under this section 6.

               A The RIV specified in section 6 will be limited to amounts that are
                 usual, customary, and reasonable.  If the RIV can be decreased by con-
                 ditioning the production, the RIV after conditioning may be increased by
                 the cost of conditioning, provided that the resulting RIV does not exceed
                 the RIV before conditioning.  No RIV will be accepted if it is due to (1)
                 moisture content; (2) damage due to uninsured causes; or (3) drying,
                 handling, processing, or any other costs associated with normal harvest-
                 ing, handling, and marketing of the production.

               B RIV's used will be those in the local market area in which you normally
                 market the crop, to the extent feasible.  If the RIV for a buyer located
                 outside your local market area is less than the RIV in your local market
                 area, then the RIV may be increased by the additional costs required to
                 deliver the production to the buyer, provided that the resulting RIV does
                 not exceed the RIV in your local market area.  If the damaged production
                 has been sold, the discount factor will be based upon the RIV's applied
                 by the buyer unless it is determined that such RIV's are not usual,
                 customary and reasonable.

               C For production we determine has no value in and outside your local market
                 area, you may offer a value or may intend to utilize such production in
                 a manner which establishes a value. In such cases, the value we agree
                 to will be utilized in accordance with our approved procedures to
                 determine the RIV for quality adjustment purposes according to section 6
                 herein. Only production qualifying under the terms of this section 6
                 (a pre-established discount factor for at least one quality deficiency
                 is not contained in the discount factor charts above) may be adjusted
                 in this manner. Nothwithstanding the first two sentences of this
                 paragraph C, claims involving production containing levels of substances
                 or having conditions that are injurious to human or animal health
                 in excess of the maximum amounts allowed by the Food and Drug
                 Administration, other public health organizations of the United States
                 or agency of the   applicable State may not be settled until such
                 production is sold, used, or destroyed. The value used to determine
                 the RIV for such production will be the amount received for the
                 production, or, if the production is used, the value you offer and we
                 agree to.

               D The RIV will be determined on the earlier of the date such
                 quality-adjusted production is sold or the date of final inspection
                 for the unit.

                 * The "Local Market Price" as defined in the applicable crop provisions.

 0JR   2000    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place
               decimals).  No other quality factors will be considered in determining
               production to count.  The QA Factor (not less than zero) will be
               multiplied by the number of bushels remaining after any reduction due
               to excessive moisture (in accordance with the applicable crop provisions)
               to determine the net production to count. Any grain which, due to insurable
               causes, has zero market value (net zero market value after consideration of
               additional costs to deliver damaged grain to a market of reasonable distance
               outside your local marketing area) will not be considered production to
               count if the production is destroyed.  Production that is not destroyed in
               a manner acceptable to us will be adjusted in accordance with the rules
               below for the respective types and levels of damage.  Additional costs to
               deliver grain outside your local market will be allowed only for types and
               levels of damage included in section 3.

               1  Corn will be discounted for low test weight as follows:
                  Test Weight Pounds   DF      Test Weight Pounds       DF
                  49 and above        None     Below 46 - See Section 3
                  48-48.99            .054
                  47-47.99            .064
                  46-46.99            .075


               2  Corn will be discounted for excessive kernel damage (excluding heat
                  damage) as follows:
                  Kernel Damage %   DF   Kernel Damage %  DF   Kernel Damage %  DF
                    10 and below   None    18.01-19      .079    27.01-28      .127
                    10.01-11       .030    19.01-20      .085    28.01-29      .131
                    11.01-12       .036    20.01-21      .091    29.01-30      .135
                    12.01-13       .043    21.01-22      .097    30.01-31      .139
                    13.01-14       .049    22.01-23      .102    31.01-32      .143
                    14.01-15       .056    23.01-24      .108    32.01-33      .147
                    15.01-16       .062    24.01-25      .114    33.01-34      .150
                    16.01-17       .068    25.01-26      .118    34.01-35      .154
                    17.01-18       .073    26.01-27      .122    Above 35 - See Section 3

               3  Corn with (A) a test weight below 46 pounds per bushel and/or kernel
                  damage above 35 percent; (B) a musty, sour, or commercially objection-
                  able foreign odor; or (C) the presence of substances or conditions
                  identified by the Food and Drug Administration or other public health
                  organizations of the United States as injurious to human or animal
                  health; may be allowed a discount factor. To determine the discount
                  factor, the reduction in value (RIV) due to all covered quality
                  deficiencies will be determined and that value will then be divided
                  by the local market price*.  Discount factors included in sections
                  1 and 2 will not be used if production qualifies for adjustment under
                  this section 3.

                  A  The RIV specified in section 3 will be limited to amounts that are
                     usual, customary, and reasonable.  If the RIV can be decreased by
                     conditioning the production, the RIV after conditioning may be
                     increased by the cost of conditioning, provided that the resulting
                     RIV does not exceed the RIV before conditioning.  No RIV will be
                     accepted if it is due to (1) moisture content; (2) damage due to
                     uninsured causes; or (3) drying, handling, processing, or any other
                     costs associated with normal harvesting, handling, and marketing of
                     the production.

 0JS   2000       B  RIV's used will be those in the local market area in which you
                     normally market the crop, to the extent feasible.  If the RIV for
                     a buyer located outside your local market area is less than the RIV
                     in your local market area, then the RIV may be increased by the
                     additional costs required to deliver the production to the buyer,
                     provided that the resulting RIV does not exceed the RIV in your local
                     market area.  If the damaged production has been sold, the discount
                     factor will be based upon the RIV's applied by the buyer unless it
                     is determined that such RIV's are not usual, customary, and
                     reasonable.

                  C  For production we determine has no value in and outside your local
                     market area, you may offer a value or may intend to utilize such
                     production in a manner which establishes a value. In such cases, the
                     value we agree to will be utilized in accordance with our approved
                     procedures to determine the RIV for quality adjustment purposes
                     according to section 3 herein. Only production qualifying under
                     the terms of this section 3 (a pre-established discount factor
                     for at least one quality deficiency is not contained in the
                     discount factor charts above) may be adjusted in this manner.
                     Notwithstanding the first two sentences of this paragraph C, claims
                     involving production containing levels of substances or having
                     conditions that are injurious to human or animal health in excess
                     of the maximum amounts allowed by the Food and Drug Administration,
                     other public health organizations of the United States or agency
                     of the appliciable State may not be settled until such production
                     is sold, used, or destroyed.  The value used to determine the RIV
                     for such production will be the amount received for the production,
                     or, if the production is used, the value you offer and we agree to.

                  D  The RIV will be determined on the earlier of the date such
                     quality-adjusted production is sold or the date of final
                     inspection for the unit.

                     * The "Local Market Price" as defined in the applicable crop
                     provisions.

 0JT   2000    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the applicable
               Discount Factors (DF) below (expressed as three-place decimals). No other
               quality factors will be considered in determining production to count. The
               QA Factor (not less than zero) will be multiplied by the number of bushels
               remaining after any reduction due to excessive moisture (in accordance with the
               applicable crop provisions) to determine the net production to count.
               Any grain which, due to insurable causes, has zero market value (net zero
               market value after consideration of additional costs to deliver damaged
               grain to a market of reasonable distance outside your local marketing area)
               will not be considered production to count if the production is destroyed.
               Production that is not destroyed in a manner acceptable to us will be
               adjusted in accordance with the rules below for the respective types and
               levels of damage.  Additional costs to deliver grain outside your local market
               will be allowed only for types and levels of damage included in section 3.

               1  Grain sorghum will be discounted for low test weight as follows:
                  Test Weight Pounds     DF         Test Weight Pounds    DF
                    51 and above        None         Below 40 - See Section 3
                    50-50.99            .015
                    49-49.99            .019
                    48-48.99            .024
                    47-47.99            .029
                    46-46.99            .033
                    45-45.99            .038
                    44-44.99            .046
                    43-43.99            .055
                    42-42.99            .063
                    41-41.99            .071
                    40-40.99            .080

               2  Grain sorghum will be discounted for excessive kernel damage (excluding
                  heat damage) as follows:
                  Kernel Damage %   DF   Kernel Damage %   DF   Kernel Damage %  DF
                    15 and below   None    21.01-22       .059    28.01-29      .095
                    15.01-16       .034    22.01-23       .064    29.01-30      .100
                    16.01-17       .038    23.01-24       .069    30.01-31      .106
                    17.01-18       .042    24.01-25       .074    31.01-32      .111
                    18.01-19       .045    25.01-26       .079    32.01-33      .117
                    19.01-20       .049    26.01-27       .085    33.01-34      .123
                    20.01-21       .054    27.01-28       .090    34.01-35      .129
                                                                Above 35 - See Section 3

               3  Grain sorghum with (A) a test weight below 40 pounds per bushel and/or
                  kernel damage above 35 percent; (B) a musty, sour, or commercially
                  objectionable foreign odor (or a smutty grain sorghum grade); or (C) the
                  presence of substances or conditions identified by the Food and Drug
                  Administration or other public health organizations of the United States
                  as injurious to human or animal health; may be allowed a discount
                  factor.  To determine the discount factor, the reduction in value (RIV)
                  due to all covered quality deficiencies will be determined and that
                  value will then be divided by the local market price*. Discount factors
                  included in sections 1 and 2 will not be used if production qualifies
                  for adjustment under this section 3.

                  A  The RIV specified in section 3 will be limited to amounts that are
                     usual, customary, and reasonable.  If the RIV can be decreased by
                     conditioning the production, the RIV after conditioning may be in-
                     creased by the cost of conditioning, provided that the resulting RIV
                     does not exceed the RIV before conditioning.  No RIV will be accept-
                     ed if it is due to (1) moisture content; (2) damage due to uninsured
                     causes; or (3) drying, handling, processing, or any other costs
                     associated with normal harvesting, handling, and marketing of the
                     production.

 0JU   2000       B  RIV's used will be those in the local market area in which you
                     normally market the crop, to the extent feasible.  If the RIV for
                     a buyer located outside your local market area is less than the
                     RIV in your local market area, then the RIV may be increased by
                     the additional costs required to deliver the production to the
                     buyer, provided that the resulting RIV does not exceed the RIV
                     in your local market area.  If the damaged production has been
                     sold, the discount factor will be based upon the RIV's applied
                     by the buyer unless it is determined that such RIV's are not
                     usual, customary, and reasonable.

                  C  For production we determine has no value in and outside your local
                     market area, you may offer a value or may intend to utilize such
                     production in a manner which establishes a value.  In such cases, the
                     value we agree to will be utilized in accordance with our approved
                     procedures to determine the RIV for quality adjustment purposes
                     according to section 3 herein. Only production qualifying under
                     the terms of this section 3 (a pre-established discount factor for
                     at least one quality deficiency is not contained in the discount
                     factor charts above) may be adjusted in this manner. Notwithstanding
                     the first two sentences of this paragraph C, claims involving
                     production containing levels of substances or having conditions
                     that are injurious to human and animal health in excess of the
                     maximum amounts allowed by the Food and Drug Administration, other
                     public health organizations of the United States or agency of the
                     applicable State may not be settled until such production is sold,
                     used, or destroyed. The value used to determine the RIV for such
                     production will be the amount received for the production, or, if
                     the production is used, the value you offer and we agree to.

                  D  The RIV will be determined on the earlier of the date such
                     quality-adjusted production is sold or the date of final
                     inspection for the unit.

                  *  The "Local Market Price" as defined in the applicable crop
                     provisions.

 0JW   2000    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the
               number of bushels remaining after any reduction due to excessive moisture
               (in accordance with the applicable crop provisions) to determine the
               net production to count.  Any grain which, due to insurable causes, has
               zero market value (net zero market value after consideration of additional
               costs to deliver damaged grain to a market of reasonable distance outside
               your local marketing area) will not be considered production to count if
               the production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for
               the respective types and levels of damage.  Additional costs to deliver
               grain outside your local market will be allowed only for types and levels
               of damage included in section 4.

               1  Soybeans will be discounted for low test weight as follows:
                  Test Weight Pounds    DF      Test Weight Pounds    DF
                     49 and above      None     Below 40 - See Section 4
                     48-48.99          .010
                     47-47.99          .014
                     46-46.99          .017
                     45-45.99          .020
                     44-44.99          .026
                     43-43.99          .033
                     42-42.99          .039
                     41-41.99          .045
                     40-40.99          .052

               2  Soybeans will be discounted for excessive kernel damage (excluding heat
                  damage) as follows:
                  Kernel Damage %   DF    Kernel Damage %   DF    Kernel Damage %   DF
                     8 and below   None      17.01-18      .060      27.01-28      .091
                     8.01-9        .031      18.01-19      .063      28.01-29      .095
                     9.01-10       .034      19.01-20      .066      29.01-30      .098
                    10.01-11       .037      20.01-21      .069      30.01-31      .101
                    11.01-12       .040      21.01-22      .072      31.01-32      .104
                    12.01-13       .044      22.01-23      .075      32.01-33      .107
                    13.01-14       .047      23.01-24      .079      33.01-34      .111
                    14.01-15       .050      24.01-25      .082      34.01-35      .114
                    15.01-16       .053      25.01-26      .085  Above 35 - See Section 4
                    16.01-17       .056      26.01-27      .088

               3  Soybeans will be discounted for a musty odor, sour odor, or commercially
                  objectionable foreign odor (COFO) as follows:

                  Musty Odor = .008      Sour Odor = .016     COFO = .016

               4  Soybeans with (A) a test weight below 40 pounds per bushel and/or kernel
                  damage above 35 percent; (B) a garlicky soybean grade; or (C) the
                  presence of substances or conditions identified by the Food and Drug
                  Administration or other public health organizations of the United States
                  as injurious to human or animal health; may be allowed a discount
                  factor.  To determine the discount factor, the reduction in value
                  (RIV) due to all covered quality deficiencies will be determined and
                  that value will then be divided by the local market price*.  Discount
                  factors included in sections 1, 2, and 3 will not be used if production
                  qualifies for adjustment under this section 4.

                  A  The RIV specified in section 4 will be limited to amounts that are
                     usual, customary, and reasonable.  If the RIV can be decreased by
                     conditioning the production, the RIV after conditioning may be
                     increased by the cost of conditioning, provided that the resulting
                     RIV does not exceed the RIV before conditioning.  No RIV will be
                     accepted if it is due to (1) moisture content; (2) damage due to
                     uninsured causes; or (3) drying, handling, processing, or any other
                     costs associated with normal harvesting, handling, and marketing of
                     the production.

 0JX   2000       B  RIV's used will be those in the local market area in which you
                     normally market the crop, to the extent feasible.  If the RIV for
                     a buyer located outside your local market area is less than the RIV
                     in your local market area, then the RIV may be increased by the
                     additional costs required to deliver the production to the buyer,
                     provided that the resulting RIV does not exceed the RIV in your local
                     market area.  If the damaged production has been sold, the discount
                     factor will be based upon the RIV's applied by the buyer unless it
                     is determined that such RIV's are not usual, customary, and
                     reasonable.

                  C  For production we determine has no value in and outside your local
                     market area, you may offer a value or may intend to utilize such
                     production in a manner which establishes a value.  In such cases, the
                     value we agree to will be utilized in accordance with our approved
                     procedures to determine the RIV for quality adjustment purposes
                     according to section 4 herein.  Only production qualifying under the
                     terms of this section 4 (a pre-established discount factor for at
                     least one quality deficiency is not contained in the discount factor
                     charts above) may be adjusted in this manner.  Notwithstanding the
                     first two sentences of this paragraph C, claims involving production
                     containing levels of substances or having conditions that are
                     injurious to human or animal health in excess of the maximum amounts
                     allowed by the Food and Drug Administration, other public health
                     organizations of the United States or agency of the applicable State
                     may not be settled until such production is sold, used, or destroyed.
                     The value used to determine the RIV for such production will be the
                     amount received for the production, or, if the production is used,
                     the value you offer and we agree to.


                  D  The RIV will be determined on the earlier of the date such
                     quality-adjusted production is sold or the date of final
                     inspection for the unit.

                * The "Local Market Price" as defined in the applicable crop provisions.

 0JY   2000    Subparagraph 11(d) (3) (ii) of the Small Grains Crop Provisions does not
               apply.  In lieu of subparagraph 11(d) (2) (i) (E) of the Small Grains
               Crop Provisions, flaxseed will be eligible for quality adjustment if it
               has a musty, sour, or commercially objectionable foreign odor (except smut
               or garlic odor) or if it does not meet the grade requirements for U.S. No.
               2 (grades U.S. Sample Grade) because of test weight or damaged kernels.
               Production of flaxseed that is eligible for quality adjustment, as
               specified above and in paragraphs 11(d) (2) and (3) of the Small Grains
               Crop Provisions, will be reduced (in lieu of the provisions in paragraph
               11(d) (4) of the Small Grains Crop Provisions) as follows:

               The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the
               number of bushels otherwise determined in accordance with the Small Grains
               Crop Provisions, to determine the net production to count.  Any grain
               which, due to insurable causes, has zero market value (net zero market value
               after consideration of additional costs to deliver damaged grain to a market of
               reasonable distance outside your local marketing area) will not be considered
               production to count if the production is destroyed.  Production that is not
               destroyed in a manner acceptable to us will be adjusted in accordance with the
               rules below for the respective types and levels of damage.  Additional costs to
               deliver grain outside your local market will be allowed only for types and
               levels of damage included in section 2.

               1  Flaxseed will be discounted for low test weight as follows:

               Test Weight Pounds DF   Test Weight Pounds  DF   Test Weight Pounds  DF
                  47 and above   None     41-41.99        .112   Below 39- See Section 2
                  46-46.99       .041     40-40.99        .124
                  45-45.99       .056     39-39.99        .154
                  44-44.99       .071
                  43-43.99       .083
                  42-42.99       .098

               2  Flaxseed with (A) a test weight below 39 pounds per bushel; (B) a
               kernel damage percentage above 15 percent; (C) a musty, sour, or
               commercially objectionable foreign odor (except smut or garlic odor);
               and/or (D) the presence of substances or conditions identified by the
               Food and Drug Administration or other public health organizations of
               the United States as injurious to human or animal health; may be allowed
               a discount factor.  To determine the discount factor, the reduction in
               value (RIV) due to all covered quality deficiencies will be determined
               and that value will then be divided by the local market price*.
               Discount factors included in Section 1 will not be used if production
               qualifies for adjustment under this section 2.

                 A  The RIV specified in section 2 will be limited to amounts that
                    are usual, customary, and reasonable.  If the RIV can be decreased
                    by conditioning the production, the RIV after conditioning may be
                    increased by the cost of conditioning, provided that the resulting
                    RIV does not exceed the RIV before conditioning.  No RIV will be
                    accepted if it is due to (1) moisture content; (2) damage due to
                    uninsured causes; or (3) drying, handling, processing, or any other
                    costs associated with normal harvesting, handling, and marketing of
                    the production.

 0JZ   2000       B RIV's used will be those in the local market area in which you
                    normally market the crop, to the extent feasible.  If the RIV for a
                    buyer located outside your local market area is less than the RIV
                    in your local market area, then the RIV may be increased by the
                    additional costs required to deliver the production to the buyer,
                    provided that the resulting RIV does not exceed the RIV in your local
                    market area.  If the damaged production has been sold, the discount
                    factor will be based upon the RIV's applied by the buyer unless it is
                    determined that such RIV's are not usual, customary, and reasonable.

                  C For production we determine has no value in and outside your local
                    market area, you may offer a value or may intend to utilize such
                    production in a manner which establishes a value.  In such cases,
                    the value we agree to will be utilized in accordance with our
                    approved procedures to determine the RIV for quality adjustment
                    purposes according to section 2 herein. Only production qualifying
                    under the terms of this section 2 (a pre-established discount factor
                    for at least one quality deficiency is not contained in the discount
                    factor charts above) may be adjusted in this manner. Nothwithstanding
                    the first two sentences of this paragraph C, claims involving
                    production containing levels of substances or having conditions
                    that are injurious to human or animal health in excess of the
                    maximum amounts allowed by the Food and Drug Administration, other
                    public health organizations of the United States or agency of the
                    applicable State may not be settled until such production is sold,
                    used, or destroyed. The value used to determine the RIV for such
                    production will be the amount received for the production, or, if
                    the production is used, the value you offer and we agree to.


                  D The RIV will be determined on the earlier of the date such
                    quality-adjusted production is sold or the date of final
                    inspection for the unit.

               * The "Local Market Price" as defined in the applicable crop provisions.

 0K    2002      ** Applicable to acreage that was flooded (water fallowed) as an
               agricultural practice within the same calendar year in which the crop is
               insurable prior to seeding.

 0KA   2001    Picking Factors and Estimated Production:  In accordance with Section 1
               and 11(c)(4), of the Strawberry Crop Provisions, the picking factors and
               estimated pounds of strawberries per picking are as follows:

               Type                       Harvest               Picking          Estimated
                                           Dates                Factors          Pounds Per
                                                                                  Picking
                                                                                 (Per Acre)
               Summer Planting     October 10 - November 10        5                  50
               Summer Planting     April 1- May 31                 5               1,600
               Summer Planting     June 1 - June 30                5               1,200



 0KB   2003    In addition to the requirements of section 3 of the Basic provisions, you may
               select only a single coverage level and the corresponding amount of insurance
               designated in the actuarial documents for Chile Peppers insured in this county.

 0KC   2003    In lieu of the definition of crop year as defined in the Pilot Fresh Market
               Bean Provisions, the "crop year" for this county crop program is the period
               of time that begins on the first day of the earliest planting period for
               spring planted fresh market snap beans and continues through the last day
               of the insurance period for fall planted fresh market snap beans.  The crop
               is designated by the calendar year in which the fresh market snap beans are
               harvested.

 0KD   2000    Acreage Limitation:  Any person who plants in excess of 125 percent of the
               cabbage acreage grown in the 1999 crop year will be ineligible for insurance
               unless a request is received in writing from the producer to insure the acreage
               and the request is approved by a company representative. An acreage increase of
               five or less acres does not apply to this limitation. The request will be
               approved by the company representative if ONE of the following conditions is
               met:

               1.  The producer has a written contract on all the cabbage acreage with the
               buyer (for the purposes of this statement, a buyer is a processor,
               wholesaler, retailer, packer, or shipper), containing at a minimum:  The
               producer's commitment to plant and grow cabbage, and to deliver the cabbage
               production
               to the buyer; the commitment by the buyer to purchase production stated in
               the contract; and a base contract price at which the cabbage will be
               purchased.  The producer must provide the contract to the company
               representative before the request will be approved.  If the producer is
               also the buyer:  Prior to the sales closing date, the Board of Directors or
               officers of the company which the producer has a financial interest in must
               execute and adopt a resolution that contains the same terms as an
               acceptable buyer contract.  Such resolution will be considered a buyer
               contract for the purposes of this paragraph.

               2.  The producer will plant no more than the greatest number of acres
               planted by the producer in any one of the three previous crop years.  The
               producer must provide written verification of acreage data from the Farm
               Service Agency or Extension Service to the company representative before
               the request will be approved.

               The requests must be made by new insureds at the time of application or by
               carry-over insureds by the sales closing date.

 0KE   2000    Any person with an acreage-based processor contract and who plants in excess
               of 125 percent of the processing cucumber acreage grown in the most recent
               crop year will be ineligible for insurance unless this limitation is waived
               by a company representative.  An acreage increase of five or less acres does
               not apply to this limitation.  The request will be approved by the company
               representative if ONE of the following conditions is met:

               1.  The producer must provide the written contract to the company
               representative before the request will be approved.

               2.  The producer will plant no more than the greatest number of acres
               planted by the producer in any one of the three previous crop years.  The
               producer must provide written verification of acreage data from the Farm
               Service Agency or Extension Service to the company representative before
               the request will be approved.

               The requests must be made by new insureds at the time of application or
               by carry-over insureds by the sales closing date.


 0KF   2003    In lieu of Section 10(b)(1), insurance will be provided for loss of production
               due to nematode damage.

 0KG   2001    For the purpose of Section 8(c) of the crop provisions, the expected yield for
               determining the maximum insurable acreage under a quantity based processor
               contract will be 225 bushels per acre.

 0KH   2001    For the purpose of Section 8(c) of the crop provisions, the expected yield for
               determining the maximum insurable acreage under a quantity based processor
               contract will be 153 bushels per acre.

 0KI   2001    For the purpose of Section 8(c) of the crop provisions, the expected yield for
               determining the maximum insurable acreage under a quantity based processor
               contract will be 128 bushels per acre.

 0KJ   2003    Insurance will not attach to any acreage on which cucumbers or any other plant
               of the genus Curcurbita were planted in either of the two preceding crop years
               unless the producer uses adequate and proper measures of fumigation when
               planting to the same acreage.

 0KL   1997      ** Without Frost Protection - Applicable to insurable acreage not
               meeting the requirements for With Frost Protection.

 0KM   2001    For the purpose of Section 8(c) of the crop provisions, the expected yield for
               determining the maximum insurable acreage under a quantity based processor
               contract will be 160 bushels per acre.

 0KN   2002    Practical to Replant:  It will not be considered practical to replant Fresh
               Market Beans if replanting the acreage will result in the producer missing
               their market window for the acreage involved.

 0KO   2003    The Clam Inventory Value Report Date is shown in the "Acreage Reporting" date
               column.

 0KQ   2002    In lieu of Section 9 Insurance period of the Pilot Fresh Market Bean
               Provisions, the end of the insurance period of Fall Planting will be November
               10 for this county crop program.

 0KR   2003    The United States standards used to determine quality (grade) deficiencies
               will be those standards applicable to the intended use of the insured
               potatoes. For example, if you insure processing potatoes under the terms
               of the Northern Potato Crop Provisions and Quality Option, the United
               States Standards for Grades of Potatoes for Processing will be used to
               determine quality (grade) deficiencies.  Such standards (the United States
               Standards for Grades of Potatoes, the United States Standards for Grades
               of Potatoes for Processing, or the United States Standards for Grades
               of Potatoes for Chipping) will be used to determine quality deficiencies
               only and will not be used to determine the quantity of potatoes or number
               of samples required. The quantity and number of samples required will be
               determined in accordance with procedures approved by the Federal Crop
               Insurance Corporation.


 0KS   2003    In lieu of the percentage of price quotation "B" required for quality
               adjustment in section 12(c) of the Income Protection - Cotton Crop
               Provisions, production to count will be reduced if price quotation "A"
               is less than 85 percent of price quotation "B". If eligible for adjustment,
               the amount of production to be counted will be determined by multiplying
               the number of pounds of such production by the factor derived from dividing
               price quotation "A" by 85 percent of the price quotation "B".

 0KU   2003    The Pilot Coverage Enhancement Option (CEO) is available in this county.
               While CEO increases the amount of coverage, the policy deductible remains
               the same as the underlying policy.

 0KV   2003    The following is only applicable to producers that elect optional units:

               While the quota tobacco programs authorize you to transfer or lease any
               quota that is not filled from production in any unit, you cannot receive
               an indemnity for failure to produce the quota on a unit when quota is
               leased or transferred to another of your units or to another producer.
               Prior to receiving an indemnity payment, you must provide a certification
               from the Farm Service Agency stating whether any portion of your quota will
               be transferred or leased. If you elect to transfer or lease any portion of
               your quota, we will include all pounds of quota transferred or leased as
               production to count for the unit from which the quota was leased or
               transferred. If an indemnity was paid prior to the transfer or lease of
               the quota production, you will be required to repay any overpayment.


 0KW   2003    In lieu of the percentage of price quotation "B" required for quality
               adjustment in section 10(d) of the Cotton Crop Provisions, production
               to count will be reduced if price quotation "A" is less than 85 percent
               of price quotation "B".  If eligible for adjustment, the amount of
               production to be counted will be determined by multiplying the number
               of pounds of such production by the factor derived from dividing price
               quotation "A" by 85 percent of the price quotation "B".

 0KX   2003    In lieu of the percentage of price quotation "B" required for quality
               adjustment in section 10(d) of the ELS Cotton Crop Provisions, production
               to count will be reduced if price quotation "A" is less than 85 percent
               of price quotation "B".  If eligible for adjustment, the amount of
               production to be counted will be determined by multiplying the number
               of pounds of such production by the factor derived from dividing price
               quotation "A" by 85 percent of the price quotation "B".

 0KY   2003    In lieu of the percentage of price quotation "B" required for quality
               adjustment in section 10(e) of the CRC Cotton Crop Provisions, production
               to count will be reduced if price quotation "A" is less than 85 percent
               of price quotation "B".  If eligible for adjustment, the amount of
               production to be counted will be determined by multiplying the number
               of pounds of such production by the factor derived from dividing price
               quotation "A" by 85 percent of the price quotation "B".

 0KZ   2003    For Catastrophic insurance coverage only:  Your inventory value report for all
               clams cannot exceed the lesser of the value from section 6(e) of the policy or
               300 percent of your previous year's sales of clams; and if the above
               restrictions cause you to under report the value of your inventory, you must
               present records acceptable to us to prove your actual inventory value to
               receive a waiver of these restrictions.

 0LA   2003    For Catastrophic insurance coverage only:  Your inventory value report for all
               clams cannot exceed the lesser of the value from section 6(e) of the policy or
               200 percent of your previous year's sales of clams; and if the above
               restrictions cause you to under report the value of your inventory, you must
               present records acceptable to us to prove your actual inventory value to
               receive a waiver of these restrictions.

 0LB   2000    In addition to Section 34 of the basic provisions, optional units are allowed
               by type.

 0LC   2000    In lieu of the definition of crop year as defined in the Pilot Fresh
               Market Bean Provisions, for this county crop year is a period of time
               that begins on the first day of the earliest planting period for spring
               planted fresh market beans and continues through the last day of the
               insurance period for fall planted fresh market snap beans.  The crop
               year is designated by the calendar year in which the fresh market snap
               beans are harvested.

 0LF   2002    For Sweet Cherries (Processing), the minimum value to be used
               for harvested and appraised production will be $0.28 per pound.

 0LG   2003    It will not be practical to replant Winter Squash if replanting the acreage
               will result in the producer missing their market window for the acreage
               involved.

 0LI   2003    In lieu of Section 6(c)(3) of the Winter Squash Crop Provisions, squash grown
               for direct marketing are insurable in this county.

 0LJ   2001    Durum Projected Price - The February harvest year's average daily
               settlement price for the harvest year's Minneapolis Grain Exchange
               September durum wheat futures contract rounded to the nearest whole
               cent. The Projected Price will be released as an actuarial document
               addendum by March 10 of the harvest year.

               Durum Harvest Price - The August harvest year's average daily
               settlement price for the harvest year's Minneapolis Grain Exchange
               September durum wheat futures contract rounded to the nearest whole
               cent.  The Harvest Price will be released as an actuarial document
               addendum by September 10 of the harvest year.

 0LM   2003    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the
               number of bushels remaining after any reduction due to excessive moisture
               (in accordance with the applicable crop provisions) to determine the
               net production to count.  Any grain which, due to insurable causes, has
               zero market value (net zero market value after consideration of additional
               costs to deliver damaged grain to a market of reasonable distance outside
               your local marketing area) will not be considered production to count if
               the production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for
               the respective types and levels of damage.  Additional costs to deliver
               grain outside your local market will be allowed only for types and levels
               of damage included in section 5.

               1  Oats will be discounted for grade as follows:

                  Grade                  DF
                  U.S. Sample Grade     .243

               2  Oats will be discounted for low test weight as follows:

                  Test Weight Pounds      DF      Test Weight Pounds      DF
                   27 and above          None      24-24.99              .161
                   26-26.99              .119       Below 24 - See Section 5
                   25-25.99              .140

               3  Oats will be discounted for percent sound oats as follows:

                  Sound Oats %    DF        Sound Oats %   DF
                  80 and above    None      69-69.99       .545
                  79-79.99        .277      68-68.99       .571
                  78-78.99        .304      67-67.99       .598
                  77-77.99        .330      66-66.99       .625
                  76-76.99        .357      65-65.99       .652
                  75-75.99        .384      Below 65 - See Section 5
                  74-74.99        .411
                  73-73.99        .438
                  72-72.99        .464
                  71-71.99        .491
                  70-70.99        .518

               4  Oats will be discounted for garlicky or smutty grade as follows:

                  Garlicky = .045       Smutty = .089

               5  Oats with (A) a test weight below 24 pounds per bushel; B) a sound
                  oats percentage below 65 percent; (C) a musty, sour, or commercially
                  objectionable foreign odor (except smut or garlic odor); D) an ergoty
                  grade; or (E) the presence of substances or conditions identified by
                  the Food and Drug Administration or other public health organizations
                  of the United States as injurious to human or animal health; may be
                  allowed a discount factor.  To determine the discount factor, the
                  reduction in value (RIV) due to all covered quality deficiencies will
                  be determined and that value will then be divided by the local market
                  price*.  Discount factors included in sections 1 through 4 will not be
                  used if production qualifies for adjustment under this section 5.

 0LN   2003    A  The RIV specified in section 5 will be limited to amounts that are
               usual, customary, and reasonable. If the RIV can be decreased by
               conditioning the production, the RIV after conditioning may be
               increased by the cost of conditioning, provided that the resulting RIV
               does not exceed the RIV before conditioning. No RIV will be accepted if
               it is due to (1) moisture content; (2) damage due to uninsured causes;
               or (3) drying, handling, processing, or any other costs associated with
               normal harvesting, handling, and marketing of the production.

               B  RIV's used will be those in the local market area in which you normally
               market the crop, to the extent feasible. If the RIV for a buyer located
               outside your local market area is less than the RIV in your local market
               area, then the RIV may be increased by the additional costs required to
               deliver the production to the buyer, provided that the resulting RIV
               does not exceed the RIV in your local market area. If the damaged
               production has been sold, the discount factor will be based upon the
               RIV's applied by the buyer unless it is determined that such RIV's are
               not usual, customary, and reasonable.

               C   For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such
               production in a manner which establishes a value.  In such cases, the
               value we agree to will be utilized in accordance with our approved
               procedures to determine the RIV for quality adjustment purposes according
               to section 5 herein. Only production qualifying under the terms of this
               section 5 (a pre-established discount factor for at least one quality
               deficiency is not contained in the discount factor charts above) may be
               adjusted in this manner. Notwithstanding the first two sentences of this
               paragraph C, claims involving production containing levels of substances
               or having conditions that are injurious to human or animal health in
               excess of the maximum amounts allowed by the Food and Drug Administration,
               other public health organizations of the United States or agency of the
               applicable State may not be settled until such production is sold, used,
               or destroyed.  The value used to determine the RIV for such production
               will be the amount received for production, or, if the production is used,
               the value you offer and we agree to.

               D  The RIV and local market price* will be determined on the earlier of
               the date such quality-adjusted production is sold or the date of final
               inspection for the unit.

               *  The "Local Market Price" as defined in the applicable crop provisions.

 0LO   2003    Only grain varieties of 80 day Minnesota Relative Maturity (MRM) or less
               will be insurable as grain. Proof of variety planted must be provided by
               the acreage reporting date and placed in the insured's file.

 0LQ   2000    APPROVED MALTING BARLEY VARIETIES:  B1202
                                                   B2601
                                                   Chinook
                                                   Crest
                                                   Crystal
                                                   Excel
                                                   Foster
                                                   Galena
                                                   Harrington
                                                   Klages
                                                   Merit
                                                   Moravian 22
                                                   Morex
                                                   Russell
                                                   Stander

               All Varieties recommended for malting by the American Malting Barley
               Association, Inc.; and, All Varieties meeting the conditions set
               forth in the Malting Barley Price and Quality Endorsement produced
               under contract as defined in the endorsement.




 0LR   2000    APPROVED MALTING BARLEY VARIETIES:  B1202
                                                   B2601
                                                   Chinook
                                                   Crest
                                                   Crystal
                                                   Excel
                                                   Foster
                                                   Galena
                                                   Harrington
                                                   Klages
                                                   Merit
                                                   Moravian 111
                                                   Moravian 22
                                                   Morex
                                                   Russell
                                                   Stander
                                                   Triumph

               All Varieties recommended for malting by the American Malting Barley
               Association, Inc.; and, All Varieties meeting the conditions set
               forth in the Malting Barley Price and Quality Endorsement produced
               under contract as defined in the endorsement.


 0LS   2000    APPROVED MALTING BARLEY VARIETIES:  Anheuser Busch 1602 (6-row)
                                                   Excel (6-row)
                                                   Foster
                                                   Morex (6-row)
                                                   Robust (6-row)
                                                   Stander
                                                   Triumph

               All varieties grown in this state recommended for malting by the American
               Malting Barley Association,Inc.: and, all varieties meeting the conditions set
               forth in the Malting Barley Price and Quality endorsement produced
               under contract as defined in the endorsement.



 0LT   2000    APPROVED MALTING BARLEY VARIETIES:  Anheuser Busch 1201 & 1202 (2-row)
                                                   Anheuser Busch 1603
                                                   Anheuser Busch 2601 (6-row)
                                                   Anheuser Busch 5648
                                                   Chinook
                                                   Clark (2-row)
                                                   Crest (2-row)
                                                   Crystal (2-row)
                                                   Excel (6-row)
                                                   Foster
                                                   Galena
                                                   Harrington (2-row)
                                                   Klages (2-row)
                                                   Merit
                                                   Moravian III (2-row)
                                                   Moravian 22
                                                   Morex (6-row)
                                                   Russell
                                                   Stander
                                                   Triumph

               All varieties grown in this state recommended for malting by the American
               Malting Barley Association, Inc.: and, all varieties meeting the
               conditions set forth in the Malting Barley Price and Quality endorsement
               produced under contract as defined in the endorsement.


 0LU   2000    APPROVED MALTING BARLEY VARIETIES:  Anheuser Busch 1602
                                                   Excel
                                                   Foster
                                                   Morex
                                                   Robust
                                                   Stander
                                                   Triumph

               All varieties grown in this state recommended for malting by the American
               Malting Barley Association, Inc.: and, all varieties meeting the
               conditions set forth in the Malting Barley Price and Quality endorsement
               produced under contract as defined in the endorsement.


 0LV   2003    The Projected Price - The average derived by totaling the final closing
               daily settlement prices for the insured crop year Chicago Board of
               Trade (CBOT) December corn future contracts of each trading day of
               February of the current year, and dividing that total by the number of
               daily settlement prices.  The projected price will be calculated by
               FCIC before March 5.

 0LW   2003    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the applicable
               Discount Factors (DF) below (expressed as three-place decimals). No other
               quality factors will be considered in determining production to count. The
               QA Factor (not less than zero) will be multiplied by the number of bushels
               remaining after any reduction due to excessive moisture (in accordance with
               the applicable crop provisions) to determine the net production to count.
               Any grain which, due to insurable causes, has zero market value (net zero
               market value after consideration of additional costs to deliver damaged
               grain to a market of reasonable distance outside your local marketing
               area) will not be considered production to count if the production is
               destroyed.  Production that is not destroyed in a manner acceptable to us
               will be adjusted in accordance with the rules below for the respective types
               and levels of damage.  Additional costs to deliver grain outside your local
               market will be allowed only for types and levels of damage included in
               section 6.

               1  Wheat (all classes) will be discounted for grade as follows:

                  Grade               DF

                  U.S. No. 5         .097
                  U.S. Sample Grade  .265

               2  Hard Red Spring and White Club wheat will be discounted for low
                  test weight as follows:

                    Test Weight Pounds  DF     Test Weight Pounds   DF
                    50 and above       None      45-45.99          .039
                      49-49.99        .008       44-44.99          .050
                      48-48.99        .016       Below 44 - See Section 6
                      47-47.99        .023
                      46-46.99        .031

                3   Wheat (all classes except Hard Red Spring and White Club) will be
                    discounted for low test weight as follows:

                    Test Weight Pounds  DF      Test Weight Pounds  DF
                    51 and above       None       45-45.99         .093
                      50-50.99        .015        44-44.99         .109
                      49-49.99        .031        Below 44 - See Section 6
                      48-48.99        .047
                      47-47.99        .062
                      46-46.99        .078

               4    Wheat (all classes) will be discounted for excessive defects
                    (excluding foreign material and heat damage) as follows:

                     Defects %     DF        Defects %    DF       Defects %    DF
                    15 and below  None       21.01-22    .054      28.01-29    .109
                      15.01-16    .008       22.01-23    .062      29.01-30    .116
                      16.01-17    .016       23.01-24    .070      30.01-31    .128
                      17.01-18    .023       24.01-25    .078      31.01-32    .140
                      18.01-19    .031       25.01-26    .085      32.01-33    .151
                      19.01-20    .039       26.01-27    .093      33.01-34    .163
                      20.01-21    .047       27.01-28    .101      34.01-35    .174
                                                                Above 35 - See Section 6

 0LX   2003    5  Wheat (all classes) will be discounted for a light smutty or smutty
                  grade as follows:
                                        Light smutty = .039   Smutty =  .078

               6  Wheat with (A) a test weight below 44 pounds per bushel; (B) a defects
               *** percentage above 35 percent; (C) a garlicky or ergoty grade; (D) a
               musty, sour, or commercially objectionable foreign odor (except smut or
               garlic odor); or (E) the presence of substances or conditions identified
               by the Food and Drug Administration or other public health organizations
               of the United States as injurious to human or animal health; may be allowed
               a discount factor. To determine the discount factor, the reduction in
               value (RIV) due to all covered quality deficiencies will be determined
               and that value will then be divided by the local market price*.
               Discount factors included in sections 1 through 5 will not be used if
               production qualifies for adjustment under this section 6.

               *** For quality adjustment purposes, defects (excluding foreign material
               and heat damage) consist of kernel damage and shrunken and broken kernels.
               In no event will a Discount Factor be allowed for kernel damage (excluding
               heat damage) and/or shrunken and broken kernels, in addition to defects.

               A  The RIV specified in section 6 will be limited to amounts that are
               usual, customary, and reasonable.  If the RIV can be decreased by con-
               ditioning the production, the RIV after conditioning may be increased by
               the cost of conditioning, provided that the resulting RIV does not exceed
               the RIV before conditioning.  No RIV will be accepted if it is due to
               (1) moisture content; (2) damage due to uninsured causes; or (3) drying,
               handling, processing, or any other costs associated with normal harvesting,
               handling, and marketing of the production.

               B  RIV's used will be those in the local market area in which you
               normally market the crop, to the extent feasible. If the RIV for a
               buyer located outside your local market area is less than the RIV in
               your local market area, then the RIV may be increased by the additional
               costs required to deliver the production to the buyer, provided that
               the resulting RIV does not exceed the RIV in your local market area. If
               the damaged production has been sold, the Discount Factor will be based
               upon the RIV's applied by the buyer unless it is determined that such
               RIV's are not usual, customary, and reasonable.

               C  For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such
               production in a manner which establishes a value.  In such cases,
               the value we agree to will be utilized in accordance with our
               approved procedures to determine the RIV for quality adjustment
               purposes according to section 6 herein.  Only production qualifying
               under the terms of this section 6 (a pre-established discount factor
               for at least one quality deficiency is not contained in the discount
               factor charts above) may be adjusted in this manner.  Notwithstanding
               the first two sentences of this paragraph C, claims involving production
               containing levels of substances or having conditions that are injurious
               to human or animal health in excess of the maximum amounts allowed by
               the Food and Drug Administration, other public health organizations of
               the United States or agency of the applicable State may not be settled
               until such production is sold, used, or destroyed.  The value used to
               determine the RIV for such production will be the amount received for
               the production, or, if the production is used, the value you offer and
               we agree to.

               D  The RIV and local market price* will be determined on the earlier
               of the date such quality-adjusted production is sold or the date of
               final inspection for the unit.

               * The "Local Market Price" as defined in the applicable crop provisions.

 0LZ   2000    The commodities shown below are in addition to the list of commodities
               contained in section 1(h)(2) of the Adjusted Gross Revenue Pilot
               Insurance Policy.  If more than 50.0 percent of your allowable income
               for the insurance year will be derived from a combination of the
               production from these commodities and those listed in section 1(h)(2),
               you must insure such commodities under other available insurance
               offered under the authority of the Federal Crop Insurance Act.

               Canola, Dry Peas, Green Peas, Hybrid Seed Corn, and Sugar Beets.

 0MA   2000    In lieu of Section 9 (a)(2) of the Florida Fruit Tree Crop Provisions,
               insurance coverage for policies carried over from the 1999 crop year
               will begin on 11/16/99 for the 2000 Crop Year.

               Policies Sold After the Sales Closing Date: The premium billing date
               will be the first day of the second month following the application
               date for policies sold after the Sales Closing Date.

 0MB   2003    In accordance with Section 1 of the Florida Fruit Tree Crop Provisions,
               citrus trees will be insurable for ACC if the ACC Underwriting
               Certification indicates those citrus trees are not infected by or
               exposed to ACC, not considered abandoned by the Department of Plant
               Industry (DPI), and were inspected within the time periods specified
               below:

               A:  If trees are located in a quarantine zone, they were inspected
                   not more than two months before the date the certification is
                   issued by DPI.

               B:  If trees are located in a buffer zone, they were inspected not
                   more than six months before the date the certification is issued
                   by DPI.

               C:  If grapefruit trees are located in a county in which a quarantine
                   zone has been established, but not in a buffer or quarantine zone,
                   they were inspected not more than one year before the date the
                   certification is issued by DPI. Note that other citrus trees so
                   located do not need to be inspected.

 0MC   2003    Allowable Cost:
               Allowable cost for harvested production will include the actual cost
               of picking, grading, packing containers, hauling and selling not to
               exceed $0.22 per 50 pound bushel.

 0MD   2001    Minimum Value:
               The minimum value to be used for harvested and appraised production will
               be $3.75 per 50 pound bushel.

 0ME   2000    Allowable Cost:
               Allowable cost for harvested production will include the actual cost
               of picking, grading, packing containers, hauling and selling not to
               exceed $0.22 per 50 pound bushel for machine harvested acreage and
               $2.05 per 50 pound bushel for hand harvested acreage.

 0MF   2002    Minimum Value:
               The minimum value to be used for harvested and appraised production will
               be $3.75 per 50 pound bushel for machine harvested acreage and $1.95 per
               50 pound bushel for hand harvested acreage.

 0MG   2003    Allowable Cost:
               Allowable cost for harvested production will include the actual cost
               of picking, grading, packing containers, hauling and selling not to
               exceed $2.05 per 50 pound bushel.

 0MH   2003    Minimum Value:
               The minimum value to be used for harvested and appraised production will
               be $1.95 per 50 pound bushel.

 0MI   2003    Allowable Cost:
               Allowable cost for harvested production will include the actual cost
               of picking, grading, packing containers, hauling and selling not to
               exceed $0.19 per 50 pound bushel.

 0MJ   2000    Minimum Value:
               The minimum value to be used for harvested and appraised production will
               be $3.75 per 50 pound bushel.

 0MK   2001    There is a one-year lag period in reporting production.  Production
               reports through the 1999 crop year are required for the 2001 crop year.
               Any unit that does not have a 1999 crop year production report is
               uninsurable for the 2001 crop year.

 0ML   2001    In lieu of the definitions in the Avocado Pilot Crop Provisions, (approved
               average revenue per acre), the following definition applies:

                        Approved average revenue (per acre) - The average farm
                        revenue divided by the average county revenue and that
                        result times the long term average county revenue.

 0MM   2003    Use 55% of the reference maximum price for the appropriate stage,
               rounded to the nearest cent, when calculating the amount of protection
               per unit and the unit value for catastrophic coverage (CAT) policies.

 0MN   2001    In lieu of the Avocado example at the end of Section 12 of the Avocado Pilot
               Crop Provisions, the following applies:

                                            AVOCADO EXAMPLE

                                                 STANDARDIZED           FARM
               YR        YIELD/ACRE              SEASON PRICE          REVENUE

               1           4,559                       0.81             3,693
               2           2,978                       1.04             3,097
               3          10,112                       0.21             2,124
               4           2,014                       0.65             1,309
               5           2,420                       0.82             1,984

               AVERAGE FARM REVENUE = 2,441

               AVERAGE COUNTY REVENUE FOR THESE YEARS = 3,895

               LONG TERM AVERAGE COUNTY REVENUE = 4,001

               APPROVED AVERAGE REVENUE = (2,441/3,895 X 4,001) = 2,507

               Assume the grower selected the 65% coverage level.  The amount of insurance
               per acre is:  $2,507 per acre times 65% = $1,630 per acre.

               Assume the grower produced 1,500 pounds per acre and the crop year's season
               average price is 0.80 cents per pound.  The value of production to count is:
               1,500 pounds per acre times 0.80 cents per pound = $1,200 per acre.

               The indemnity is calculated as follows:
               Amount of insurance per acre                 $1,630
               Subtract the value of production per acre (-) 1,200
               Indemnity per acre                           $  430

 0MR   2003    In lieu of Section 7(b) of the Coarse Grains Crop Provisions, the
               calender date for the end of the insurance period for corn insured
               as the silage will be October 20.

 0MZ   2000    The commodities shown below are in addition to the list of commodities
               contained in section 1(h)(2) of the Adjusted Gross Revenue Pilot
               Insurance Policy.  If more than 50.0 percent of your allowable income
               for the insurance year will be derived from a combination of the
               production from these commodities and those listed in section 1(h)(2),
               you must insure such commodities under other available insurance
               offered under the authority of the Federal Crop Insurance Act.

               Bell Peppers, Canola, Dry Peas, Green Peas, Hybrid Seed Corn, Hybrid Sorghum
               Seed, Pears, Plums, Sugar Beets, Sunflowers and Table Grapes.

 0P1   2002    Conversion factors to be used in accordance with the provisions of the
               insurance policy for adjusting threshed production of dry beans:
                   Section I.   CLASS OF BEANS        GRADE             FACTOR
                                Great Northern      U.S. No. 3           .91
                                Pinto               U.S. No. 3           .90
                                Pink                U.S. No. 3           .90
                                Light Red Kidney    U.S. No. 3           .90
                                Small Whites        U.S. No. 3           .90

                   Section II.  Great Northern
                        Percent of Pick   Factor    Percent of Pick    Factor
                              7            .87             14           .70
                              8            .85             15           .67
                              9            .82             16           .65
                             10            .80             17           .63
                             11            .77             18           .60
                             12            .75             19           .58
                             13            .72             20           .55

                 Section III.   Pea (Navy) and Medium White
                        Percent of Pick   Factor    Percent of Pick    Factor
                              5            .98            13            .80
                              6            .96            14            .78
                              7            .94            15            .76
                              8            .91            16            .74
                              9            .89            17            .72
                             10            .86            18            .70
                             11            .84            19            .68
                             12            .82            20            .67

 0PA   2001    Available coverage level and payment rate combinations, premium subsidy factors
               and administrative fees are as follows:

               Coverage     Payment      Minimum Number of        Premium
               Level        Rate       Agricultural Commodities   Subsidy  Administrative
               Percentage   Percentage      Produced              Factor   Fee
               65           75                  1                  .59     $30
               65           90                  2*                 .59     $30
               75           75 or 90            2*                 .55     $30
               80           75 or 90            4*                 .48     $30

               * To qualify for any coverage level and payment rate combination other
               than the 65 percent coverage level with the 75 percent payment rate
               (65/75), you must produce at least the minimum number of commodities shown
               in the chart above.  The expected allowable income from each of the minimum
               number of commodities required (2 for 65/90, 75/75, 75/90, or 4 for 80/75 or
               80/90) must be equal to or exceed the dollar amount determined as follows:
               (1)  Divide 1.0 by the number of commodities shown on your farm report;
               (2)  Multiply the result of (1) by 0.333; and
               (3)  Multiply the result of (2) by the total expected allowable income
                    shown on your farm report.

 0PC   2003    Classification AAA is applicable to all producers unless classified
               otherwise by the Corporation.

 0PR   2003    Enterprise units are available in this county.

 0PS   2003    The 80 & 85 percent levels are available ONLY if you elect Enterprise
               Units or if you ONLY qualify for one basic unit.

 0Q1   2003    Any fall-seeded acreage which has been airplane or broadcast seeded, and
               has been mechanically incorporated into the soil, will be insurable only
               by written agreement.  A timely filed actuarial request is required.  In
               addition, a crop inspection is required, once the crop has emerged, which must
               document the crop's appraised yield potential. Contact your crop insurance
               agent by the sales closing date to determine eligibility requirements.

 0QA   2003    Any fall-seeded acreage which has been airplane or broadcast seeded will be
               uninsurable.


 0QH   1999      ** Insurance will attach only on potatoes planted during the period of
               February 15 - May 15.

 0QI   2003      ** Insurance will attach only on potatoes planted during the period of
               July 1 - December 31.

 0RR   1998      ** Spring Transplanting Period - April 1 through April 20.

 0UD   2003    Optional unit division is NOT available by section or section equivalent.
               Optional unit division is available based on Farm Serial Number (FSN) and
               any other method specified in the CRC Basic Provisions or Crop Provisions
               except section or section equivalent.  To be eligible for the available
               methods of optional unit division, you must meet all applicable
               requirements.

 0W1   1999    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the applicable
               Discount Factors (DF) below (expressed as three-place decimals). No other
               quality factors will be considered in determining production to count.
               The QA Factor (not less than zero) will be multiplied by the number of bushels
               remaining after any reduction due to excessive moisture (in accordance with the
               Revenue Assurance Wheat Crop Provisions) to determine the net production to
               count.  Any wheat which, due to insurable causes, has zero market value (net
               zero market value after consideration of additional costs to deliver damaged
               wheat to a market of reasonable distance outside your local marketing area)
               will not be considered production to count if the production is destroyed.
               Production that is not destroyed in a manner acceptable to us will be adjusted
               in accordance with the rules below for the respective types and levels of
               damage.  Additional costs to deliver wheat outside your local market will be
               allowed only for types and levels of damage included in section 5.

               1  Soft Red Winter wheat will be discounted for low test weight as follows:

               Test Weight Pounds  DF    Test Weight Pounds  DF   Test Weight Pounds  DF
                  54 and above    None       45-45.99       .254      37-37.99       .322
                    53-53.99      .102       44-44.99       .262      36-36.99       .331
                    52-52.99      .130       43-43.99       .271      35-35.99       .339
                    51-51.99      .158       42-42.99       .280      34-34.99       .348
                    50-50.99      .181       41-41.99       .288      33-33.99       .357
                    49-49.99      .205       40-40.99       .297      32-32.99       .365
                    48-48.99      .228       39-39.99       .305      31-31.99       .374
                    47-47.99      .237       38-38.99       .314      30-30.99       .382
                    46-46.99      .245                           Below 30 - See Section 5

               2  Wheat (all classes except Soft Red Winter) will be discounted for low
               test weight as follows:

               Test Weight Pounds  DF    Test Weight Pounds  DF   Test Weight Pounds  DF
                  54 and above    None       45-45.99       .090      37-37.99       .150
                    53-53.99*     .035       44-44.99       .097      36-36.99       .157
                    52-52.99      .041       43-43.99       .105      35-35.99       .165
                    51-51.99      .048       42-42.99       .112      34-34.99       .172
                    50-50.99      .056       41-41.99       .120      33-33.99       .180
                    49-49.99      .062       40-40.99       .127      32-32.99       .187
                    48-48.99      .069       39-39.99       .135      31-31.99       .195
                    47-47.99      .076       38-38.99       .142      30-30.99       .202
                    46-46.99      .083                           Below 30 - See Section 5

               * Not applicable to Hard Red Spring wheat and White Club wheat.

               3   Wheat (all classes) will be discounted for excessive defects (excluding
               foreign material and heat damage) as follows:

                       Defects %       DF        Defects %     DF      Defects %    DF
                     10 and below    None       18.01-19      .084     27.01-28    .133
                       10.01-11**    .044       19.01-20      .089     28.01-29    .138
                       11.01-12**    .049       20.01-21      .095     29.01-30    .144
                       12.01-13      .053       21.01-22      .100     30.01-31    .152
                       13.01-14      .058       22.01-23      .106     31.01-32    .160
                       14.01-15      .062       23.01-24      .111     32.01-33    .168
                       15.01-16      .067       24.01-25      .116     33.01-34    .176
                       16.01-17      .073       25.01-26      .122     34.01-35    .185
                       17.01-18      .078       26.01-27      .127 Above 35 -See Section 5

               ** Applicable only to kernel damage (excluding heat damage)

 0W2   1999    4  Wheat (all classes) will be discounted for a light smutty or smutty
                  grade as follows:
                                                 Light smutty = .022   Smutty =  .043

               5  Wheat with (A) a test weight below 30 pounds per bushel; (B) a defects
               *** percentage above 35 percent; (C) a garlicky or ergoty grade; (D) a
               musty, sour, or commercially objectionable foreign odor (except smut odor);
               and/or (E) the presence of substances or conditions identified by the
               Food and Drug Administration or other public health organizations of the
               United States as injurious to human or animal health; may be allowed a
               discount factor. To determine the Discount Factor, the reduction in
               value (RIV) caused by the deficiencies, substances, or conditions
               allowed in (A), (B), (C), (D), and/or (E) will be determined and the
               total will be divided by the Posted County Price (PCP)****. The RIV will
               not include any price reduction resulting from any Discount Factors that
               are included in sections 1, 2, 3, and 4.

               *** For quality adjustment purposes, defects (excluding foreign material
               and heat damage) consist of kernel damage and shrunken and broken kernels.
               In no event will a Discount Factor be allowed for kernel damage (excluding
               heat damage) and/or shrunken and broken kernels, in addition to defects.

               A  The RIV's specified in section 5 will be limited to those that are
               usual, customary, and reasonable.  If the RIV can be decreased by con-
               ditioning the production, the RIV after conditioning may be increased by
               the cost of conditioning, provided that the resulting RIV does not exceed
               the RIV before conditioning.  No RIV will be accepted if it is due to
               (1) moisture content; (2) damage due to uninsured causes; or (3) drying,
               handling, processing, or any other costs associated with normal harvesting,
               handling, and marketing of the production.

               B  RIV's used will be those in the local market area in which you
               normally market the crop, to the extent feasible. If the RIV for a
               buyer located outside your local market area is less than the RIV in
               your local market area, then the RIV may be increased by the additional
               costs required to deliver the production to the buyer, provided that
               the resulting RIV does not exceed the RIV in your local market area. If
               the damaged production has been sold, the Discount Factor will be based
               upon the RIV's applied by the buyer unless it is determined that such
               RIV's are not usual, customary, and reasonable.

               C  For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such production
               in a manner which establishes a value.  In such cases, the value we agree
               to will be utilized in accordance with our approved procedures to determine
               the RIV for quality adjustment purposes according to section 5 herein.

               D  The RIV's and PCP will be those in effect on the earlier of the date
               such quality-adjusted production is sold or the date of final
               INSPECTION FOR THE UNIT.

               **** "Posted County Price (PCP)" is the price established by the Commodity
               Credit Corporation (CCC) in the county shown on your application, for the
               insured wheat class. If multiple counties are shown on your application,
               it is the county in which the insured unit is located. If the CCC
               discontinues establishing PCP's for the county, the PCP will be the Local
               Market Price as defined in the Revenue Assurance Wheat Crop Provisions.

 0WX   1999    HIGH RISK CLASSIFICATION
               The FCI-33 CROP INSURANCE ACTUARIAL MAP applicable to wheat in this
               county will be applicable to Revenue Assurance (RA) wheat.  Any
               designation on the FCI-33 Supplement does not apply to the RA Wheat Crop
               Provisions.

 0XB   1998      *** Insurance will attach only on potatoes planted during the period of
               December 15 - January 20.

 0YS   2003    In lieu of the Canning and Processing Bean Endorsement provision 1.b.(3)
               we do not insure any acreage of canning or processing beans where snap
               or limas were planted in two sucessive crop years of the previous four
               or where sunflowers were planted the previous crop year.

 1A3   2001    There is a one year lag period in reporting production.  Production reports
               through the 1999 crop year are required for the 2001 crop year.

 1A7   2002    For the 2002 and subsequent crop years, catastrophic risk protection
               equals 27.5 percent of your approved average revenue.

 1AC   2003    UNIT DIVISION:  Optional units may be established only for strawberry
               acreage located on non-contiguous land.

 1AD   2003    ALLOWABLE COST:  In accordance with section 1 of the Strawberry Crop
               Provisions, the allowable cost is $0.15 per pound.

 1AE   2001    Cultural Requirements:  In accordance with Section 6(a)(5)of the Strawberry
               Crop Provisions, the cultural requirements for insurability are:
               1.  Soil Fumigation:
                   A.  With a mixture of no more than 75 percent methyl bromide and no less
                       than 25 percent chloropicrin, unless restricted by the proximity
                       of residential areas to the field:
                       (1) Applied at a minimum rate of 250 pounds per acre for bed
                           fumigation and 300 pounds per acre for field
                           fumigation; and
                       (2) Completed at least 4 weeks and no more than 6 months prior to
                           planting.
                   B.  Other soil sterilization techniques can satisfy this requirement
                       if tested, shown to be effective, and applied according to
                       recommendations of the University of California Cooperative Extension
                       (UCCE)Service.
               2.  Planting beds must be raised at least six (6) inches.
               3.  Initial plant density must be at least 20,000 viable plants per acre.
               4.  All transplants must satisfy the requirements of the Strawberry
                   Certification Program administered by the California Department of
                   Food and Agriculture.
               5.  Plastic (polyethylene) mulch must be applied to the planting beds
                   by January 1 or as recommended by UCCE for the location and planting
                   system.


 1AF   2003    Reporting Requirements:  In accordance with Section 3(b) of the Strawberry
               Crop Provisions, the insured must report, in writing, completion of the
               cultural requirements specified in the Special Provisions of Insurance the
               strawberry acreage grown in the most recent crop year, and the highest per
               acre yield of strawberries produced in the three previous crop years.  The
               report must be completed annually by the acreage reporting date.  Failure
               to meet any of the requirements will result in coverage not attaching on
               such acreage.

 1AG   2003    Minimum Prior Production:  In accordance with Section 6(a)(8), the insured
               crop must be grown by a person who produced at least 18,000 pounds of
               strawberries per planted acre in at least one of the three previous crop
               years.

 1AH   2001    Minimum Prior Production:  In accordance with Section 6(a)(8), the insured
               crop must be grown by a person who produced at least 22,000 pounds of
               strawberries per planted acre in at least one of the three previous crop
               years.



 1AI   2003    * Peach varieties with a chilling hour requirement of 600 hours or less
               are uninsurable in this county.

 1AJ   2003    Acreage Limitation:  In accordance with Section 7(c), of the Strawberry
               Crop Provisions, any person who plants in excess of 125 percent of the
               strawberry acreage grown in the crop year previous to the current crop year
               will have a reduction to the amount of insurance, unless this limitation is
               waived by the RMA Regional Office, that will be calculated as follows:
                    (1)     Multiply the greatest number of acres that you planted in
                            any prior year by 1.25 and divide this result by the number
                            of acres planted by you in the current crop year; and
                    (2)     Multiply the result of (1) above (not to exceed 1.0) by the
                            amount of insurance for the current crop year.
               This limitation does not apply to an increase of five acres or less.

 1AK   2003    Acreage Limitation:  In accordance with Section 7(c), of the Strawberry
               Crop Provisions, any person who plants in excess of 125 percent of the
               strawberry acreage grown in the crop year previous to the current crop year
               will have a reduction to the amount of insurance, unless this limitation is
               waived by the RMA Regional Office, that will be calculated as follows:
                    (1)     Multiply the greatest number of acres that you planted in
                            any prior year by 1.25 and divide this result by the number
                            of acres planted by you in the current crop year; and
                    (2)     Multiply the result of (1) above (not to exceed 1.0) by the
                            amount of insurance for the current crop year.
               This limitation does not apply to an increase of ten acres or less.

 1AL   2001    LIMITS ON AMOUNT OF INSURANCE:  In accordance with Section 3 (c) of the
               Strawberry Crop Provisions, we will limit your guarantee (amount of insurance)
               based on your prior production.
               1.  If you have produced at least 60,000 pounds per acre in one of the most
                   recent three years, you may purchase an amount of insurance equal to any
                   of the fixed dollar amount of insurance shown on the actuarial documents.

               2.  If your highest level of production per acre in one of the most recent
                   three years has been less than 60,000 pounds but greater than 22,000
                   pounds, you may purchase an amount of insurance equal to the fixed dollar
                   amount of insurance shown on the actuarial documents times your highest
                   per acre production divided by 60,000.

 1AM   2001    LIMITS ON AMOUNT OF INSURANCE:  In accordance with Section 3 (c) of the
               Strawberry Crop Provisions, we will limit your guarantee (amount of insurance)
               based on your prior production.
               1.  If you have produced at least 50,000 pounds per acre in one of the most
                   recent three years, you may purchase an amount of insurance equal to any
                   of the fixed dollar amount of insurance shown on the actuarial documents.

               2.  If your highest level of production per acre in one of the most recent
                   three years has been less than 50,000 pounds but greater than 18,000
                   pounds, you may purchase an amount of insurance equal to the fixed dollar
                   amount of insurance shown on the actuarial documents times your highest
                   per acre production divided by 50,000.

 1AN   2003    ADEQUATE STAND/MINIMUM PLANTS REQUIRED:  For Established Stands of
               Alfalfa Seed greater than or equal to 0.44 living plants per square
               foot (19,166 plants per acre); for Fall or Spring Planted Seed-to-Seed
               Stands greater than or equal to 1.5 living plants per square foot
               (65,340 plants per acre).  Insurance attaches to acreage with adequate
               stands of live plants the later of the date specified in the crop
               provisions, or the date we accept your application.

 1AQ   2003    Optional Unit Division by Forage Seed Contract(s)/Variety:  In lieu of
               optional units by separate section (described in the Common Crop Insurance
               Policy), optional units may be established by Forage Seed Contract(s) for
               all acres of each variety.  Optional units by section are unavailable in the
               event the insured elects optional units by Forage Seed Contract(s)/Variety.

 1AR   2003    ADEQUATE STAND/MINIMUM PLANTS REQUIRED:  For living alfalfa plants
               per square foot for the irrigated practice:
                    Fall planted seed-to-seed and spring planted seed-to-seed:  1.5

 1AS   2003    ADEQUATE STAND/MINIMUM PLANTS REQUIRED:  For living and fully
               developed alfalfa plants per square foot for the irrigated practice:
                    Established Stand:  0.2

 1AU   2003    Allowable cost for hand harvested production will be $0.28 per pound for
               Sweet Cherries (does not apply to U-Pick production) and $0.07 per pound
               for machine harvested Sweet Cherries.

 1AV   2003    The unit of measure to be used for harvested and appraised production
               will be a standard crate, which is defined as containing 5 pounds
               avoirdupois of berries.

 1AW   2003    Minimum Age: Raspberry biennial is insurable the year of set out if set
               out occurs prior to January 1 of the current crop year.  All other types
               of berries including raspberry biennial set out on or after January 1 of
               the current crop year are insurable the year after set out.

 1AX   2003    Grading Standards for Fresh Raspberries: U.S. No.2 as shown in the United
               States Standards for Grades of Raspberries for Fresh effective May 29, 1931
               or as amended, if applicable.

 1AY   2003    Grading Standards for Fresh Blackberries: U.S. No.2 as shown in the United
               States Standards for Grades of Blackberries for Fresh effective February 13,
               1928 or as amended, if applicable.

 1AZ   2003    Allowable Cost:  In accordance with Section 1 of the Raspberry and
               Blackberry Crop Provisions, the allowable cost is $7.00 per crate.
               Allowable cost does not apply to direct marketed production in which
               the general public is permitted to enter the field for the purpose of
               picking the crop.

 1B2   1998      **Spring Planting Period - February 1 through April 15.

 1B3   2002    A cost share program is available for this county.  RMA will share in
               50 percent of the premium cost which remains after the standard subsidy
               for AGR is applied.  RMA will also pay the administrative fee.

 1BA   2003    ****Black Raspberry and all other raspberry varieties not elsewhere identified.


 1BB   2003    ****Raspberry biennial includes varieties that produce on both first-year
               and second-year canes, and the intended life expectancy of the stand is
               24 months or less.

 1BC   2003    Minimum Production: If you have produced the minimum production per acre
               for the type insured in one of the most recent three years, you may
               purchase any fixed dollar amount of insurance as shown on the FCI-35.  If
               your highest production per acre in the most recent three years has been
               less than the minimum production by type, your amount of insurance is equal
               to the fixed dollar amount you selected times the ratio of your highest per
               acre production divided by the minimum production for the type.

 1BD   2003    The unit of measure to be used for harvested and appraised production
               will be pounds, which are 16 ounces avoirdupois of berries.

 1BE   2004    In accordance with Section 3(d) of the Crop Provisions:  if the insured's
               highest yield in one of the three previous crop years was less than 600
               cartons per acre but more than 300 cartons per acre, the amount of insurance
               will be equal to the fixed dollar amount selected by the insured multiplied
               by the highest yield divided by 600.

 1BG   2003    Grading Standards for Raspberries:  U.S. No.1 as defined in the United
               States Standards for Grades of Raspberries for Processing effective May 18,
               1952 or as amended, if applicable.

 1BH   2003    Grading Standards for Blackberries:  U.S. No.1 as defined in the United
               States Standards for Grades of Blackberries for Processing effective June 2,
               1947 or as amended, if applicable.

 1BI   2003    The Minimum Production per Acre is:
                                                            Minimum Production
                                                        (Marketable Crates per acre)
               (818) Raspberry Biennial (Fresh)                   1,400
               (819) All Other Raspberry (Fresh)                  1,400
               (820) Olallie Blackberry (Fresh)                   1,400
               (821) All Other Blackberry (Fresh)                 1,400

 1BJ   2003    The Standard Minimum Value and Modified Minimum Value Option Prices are
               shown below, in dollars per crate.

                               Standard         Modified Minimum       Modified Minimum
               Type Prac       Minimum Value    Value Option I         Value Option II

               818  002           $2.10             $1.35                  $0.70
               819  002           $1.10             $0.70                  $0.35
               820  002           $1.10             $0.70                  $0.35
               821  002           $1.00             $0.65                  $0.35


 1BK   2003    The allowable costs for Hand Harvested raspberry and blackberry
               production are displayed below, in dollars per pound.

               Type Practice            Allowable Cost

               811  002 003                 $0.35
               812  002 003                 $0.40
               813  002 003                 $0.28
               814  002 003                 $0.28
               815  002 003                 $0.28
               816  002 003                 $0.28
               817  002 003                 $0.28

               The allowable costs for Machine Harvested raspberry and blackberry
               production are displayed below, in dollars per pound.

               Type Practice            Allowable Cost

               811  002 003                 $0.14
               812  002 003                 $0.20
               813  002 003                 $0.14
               814  002 003                 $0.08
               815  002 003                 $0.16
               816  002 003                 $0.09
               817  002 003                 $0.09

               For direct marketed production in which the general public is
               permitted to enter the field for the purpose of picking the crop
               (U-Pick) the allowable cost is not applicable.

               Handling charges incurred after delivery to the first handler may
               be allowable.  In such cases, handling charges for sorting, grading,
               packing and selling harvested production will not exceed $.05 per
               pound.  Handling charge allowances are not applicable for U-Pick
               production.  For custom processing or packing or for fresh market
               sales, handling charges are not subject to the handling charge limit
               stated above.

 1BL   2003    The Minimum Production per Acre and Minimum Age for Raspberry and Blackberry
               acreage insurability are:

                                                 Minimum Production        Minimum Age
                                             (Marketable Pounds per acre)    (Years)
               (811) Red Raspberry                     3,000                    2
               (812) All Other Raspberry               1,500                    2
               (813) Boysenberry                       3,000                    2
               (814) Evergreen Blackberry              5,000                    2
               (815) Loganberry                        2,500                    2
               (816) Marion Blackberry                 4,000                    2
               (817) All Other Blackberry              4,000                    2

               Minimum Production:  The pounds of fruit per acre (prorated if less
               than one acre) which must be produced in at least one of the three crop
               years immediately preceding the insured crop year, unless inspected and
               otherwise determined uninsurable.

               Minimum Age:  The number of completed growing seasons after being set out
               which must be completed to be insurable.  For the year of set out to be
               counted as a completed growing season, set out must occur prior to July 1.

 1BM   2003    The Standard Minimum Value and Modified Minimum Value Option Prices for
               Hand Harvested production are shown below, in dollars per pound.

                             Standard          Modified Minimum        Modified Minimum
               Type  Prac    Minimum Value     Value Option I          Value Option II

               811  002 003    $0.28              $0.19                    $0.09
               812  002 003    $1.23              $0.82                    $0.41
               813  002 003    $0.40              $0.27                    $0.13
               814  002 003    $0.24              $0.16                    $0.08
               815  002 003    $0.49              $0.33                    $0.16
               816  002 003    $0.33              $0.22                    $0.11
               817  002 003    $0.31              $0.21                    $0.10

               The Standard Minimum Value and Modified Minimum Value Option Prices for
               Machine Harvested production are shown below, in dollars per pound.

                            Standard           Modified Minimum         Modified Minimum
               Type  Prac   Minimum Value      Value Option I           Value Option II

               811  002 003    $0.49              $0.33                    $0.16
               812  002 003    $1.43              $0.95                    $0.48
               813  002 003    $0.54              $0.36                    $0.18
               814  002 003    $0.43              $0.29                    $0.14
               815  002 003    $0.60              $0.40                    $0.20
               816  002 003    $0.52              $0.35                    $0.17
               817  002 003    $0.50              $0.33                    $0.17

               For unharvested appraised production and for U-Pick production, the Machine
               Harvested Standard Minimum Value will apply.

 1BN   2003    The FCI-33 CROP INSURANCE ACTUARIAL MAP applicable to wheat in this
               county will be applicable to IP Wheat.  Land designated as High Risk
               and/or unrated is not eligible for insurance according to the IP Wheat
               Crop Provisions.

 1BO   2003    The FCI-33 CROP INSURANCE ACTUARIAL MAP applicable to barley in this
               county will be applicable to IP Barley.  Land designated as High Risk
               and/or unrated is not eligible for insurance according to the IP Barley
               Crop Provisions.

 1BP   2003    ****All Other Blackberry varieties not elsewhere identified.

 1BQ   2003    Harvest price - The average derived by totaling the final closing daily
               settlement prices for the insured crop year Chicago Board of Trade (CBOT)
               September wheat futures contract for each trading day of August of the
               insured crop year, and dividing that total by the number of daily
               settlement prices.  The harvest price will be calculated by FCIC before
               September 5.

               Projected price - The average derived by totaling the final closing daily
               settlement prices for the insured crop year Chicago Board of Trade (CBOT)
               July wheat futures contract for each trading day from August 15 through
               September 14 prior to the sales closing date, and dividing that total by
               the number of daily settlement prices.  The projected price will be
               calculated by FCIC before September 20.

 1BR   2003    Harvest price - The average daily settlement price for the Portland Grain
               Exchange soft white wheat contract during the month of August, of the harvest
               crop year.  The harvest price will be announced by FCIC by September 10 of the
               harvest crop year.

               Projected Price - The Portland Price.  The Portland Price is defined as the
               average daily settlement price for the September, of the harvest year's Chicago
               Board of Trade (CBOT) wheat futures contract during the period August 15 to
               September 14 of the pre-harvest year, plus a basis adjustment equal to the
               current five-year average difference between the August average daily
               settlement price for the nearby CBOT September wheat futures contract and the
               August average daily settlement price for the Portland Grain Exchange soft
               white wheat contract. The Projected Price will be announced by FCIC by
               September 20 of the pre-harvest year.

               Average Daily Settlement Price - The sum of the settlement prices for each full
               trading day for the contract specified in the definition of Projected Price or
               Harvest Price (as appropriate) during the month specified in such definition
               divided by the number of days included in the sum.  Whenever settlement prices
               are available for fewer than fifteen (15) full trading days for the specified
               contract, settlement prices for the contract that expired in the trading month
               immediately prior to the specified month (beginning from the last full trading
               day of such prior month) will be included in the total until 15 full trading
               days have been included.  A full trading day means any day with fifty (50) or
               more open interest contracts of the contract specified in the appropriate
               definition.



 1BS   2003    Harvest price - The average derived by totaling the final closing daily
               settlement prices for the insured crop year Chicago Board of Trade (CBOT)
               July wheat futures contract for each trading day of June of the insured
               crop year, and dividing that total by the number of daily settlement
               prices.  The harvest price will be calculated by FCIC before July 5.

               Projected price - The average derived by totaling the final closing daily
               settlement prices for the insured crop year Chicago Board of Trade (CBOT)
               July wheat futures contract for each trading day from August 15 through
               September 14 prior to the sales closing date, and dividing that total by
               the number of daily settlement prices.  The projected price will be
               calculated by FCIC before September 20.

 1BT   2003    Policies Sold After the Sales Closing Date: The premium billing date
               will be the first day of the second month following the application
               date for policies sold after the Sales Closing Date.

 1BU   2003    If any production from any unit will be marketed directly to the consumer
               (without the intervention of a retailer, wholesaler, broker, shipper,
               processor, or packer), a pre-harvest inspection is required.  The company
               must be notified 15 days before harvest begins.  A pre-harvest appraisal
               is required if acceptable production records, as described in the Crop
               Insurance Handbook will not be available.

 1BV   2003    Sweet cherries marketable as fresh fruit must meet the standards being used
               by most handlers in the area for the current crop, such as US Standards
               for Grades of Sweet Cherries or  Article 21 of the California Code of
               Regulations.

 1BW   2003    The Allowable Costs and Minimum Values are:
                                                 Allowable Costs          Minimum Values
                                                 $0.25 per pound          $0.60 per pound

               The Minimum Value Option Prices are:
                                                 Option I                 Option II
                                                 $0.40 per pound          $0.20 per pound

 1BX   2003    The Allowable Costs and Minimum Values are:
                                                 Allowable Costs          Minimum Values
                                                 $0.15 per pound          $0.30 per pound


               The Minimum Value Option Prices are:
                                                 Option I                 Option II
                                                 $0.20 per pound          $0.15 per pound

 1BY   1997      * Peach varieties with a chilling hour requirement of 600 hours or
               less are insurable in this county.

 1C0   2003    The production reporting date will be the acreage reporting date.

 1C1   2003    Insurance will not attach to any acreage planted south of Interstate 10
               that is not irrigated, except by written agreement.

 1CA   2003    In lieu of subparagraph 7(a) of the Canola and Rapeseed Crop Provisions,
               any acreage of the insured crop that is damaged on or before the final
               planting date for the insured type, to the extent that most producers
               producing crops on similarly situated acreage in the area would not
               normally further care for the crop, must be replanted for insurance
               to continue unless we agree that it is not practical to replant.
               Fall planted canola or rapeseed types that are damaged after the
               applicable fall final planting date may be appraised, released and
               indemnified; or are eligible for a replant payment provided all other
               policy requirements are met.

 1CB   2003    In lieu of the cancellation and termination dates in the processing
               tomato crop provisions, the cancellation and termination dates are
               January 31.

 1CD   2001    NOTE: The acreage report is due May 22 for spring planted acreage
               following the year of seeding.

 1CE   2003    The Coverage Enhancement Option (CEO) is available in this county. While
               CEO increases the amount of coverage, the policy deductible remains the
               same as the underlying policy.

 1CF   2003    Raw sugar content percentage for use in adjusting harvested production or
               unharvested production that is appraised after the earliest delivery
               date that the processor accepts harvested production as provided in the
               Sugar Beet Crop Provisions:

 1CH   2003    **A 70% survival factor has been established for grow-out bags that do
               not exceed 1200 clams per bag.  Grow-out bags that exceed 1200 clams will
               have a survival factor of 50% unless you provide production records for
               two consecutive years in which case your records will be used to determine
               the survival factor.

 1CJ   2003    Container sizes are determined on an actual volume basis for purposes
               of determining the price of the plant on the Eligible Plant Listing
               and Plant Price Schedule (EPL/PPS). The FCIC container sizes and volumes
               are shown below:

               FCIC Container Sizes
                                                                             Includes
               FCIC                                                          ANSI
               Size           Gallon Measurement    Cubic Inch Equivalent    Standard
               Name           Minimum   Maximum     Minimum    Maximum       Class
               Pot               0.08      0.19          18         45       SP3
               1 quart           0.20      0.39          46         91       SP4
               2 quart           0.40      0.59          92        137       SP5
               1 gallon          0.60      1.37         138        318        1
               2 gallon          1.38      2.49         319        576        2
               3 gallon          2.50      3.39         577        784        3
               5 gallon          3.40      5.77         785      1,334        5
               7 gallon          5.78      8.49       1,335      1,962        7
               10 gallon         8.50     11.97       1,963      2,766       10
               15 gallon        11.98     17.49       2,767      4,041       15
               20 gallon        17.50     22.49       4,042      5,196       20
               25 gallon        22.50     29.79       5,197      6,883       25
               30 gallon        29.80     32.49       6,884      7,506       n/a
               35 gallon        32.50     37.49       7,507      8,661       n/a
               40 gallon        37.50     42.49       8,662      9,816       n/a
               45 gallon        42.50     47.49       9,817     10,971       n/a
               50 gallon        47.50     52.49      10,972     12,126       n/a
               55 gallon        52.50     57.49      12,127     13,281       n/a
               60 gallon        57.50     62.49      13,282     14,436       n/a
               65 gallon        62.50     67.49      14,437     15,591       n/a
               70 gallon        67.50     72.49      15,592     16,746       n/a
               75 gallon        72.50     77.49      16,747     17,901       n/a
               80 gallon        77.50     82.49      17,902     19,056       n/a
               85 gallon        82.50     87.49      19,057     20,211       n/a
               90 gallon        87.50     92.49      20,212     21,366       n/a
               95 gallon        92.50     97.49      21,367     22,521       n/a
               100 gallon       97.50    102.49      22,522     23,676       n/a

 1CL   2003    A pure stand of alfalfa or a stand of alfalfa and grass in which 60
               percent or more of ground cover is alfalfa.

 1CM   2003    A mixed stand of alfalfa and grass in which alfalfa comprises more than
               25 percent but less than 60 percent of the ground cover.

 1CN   2003    A pure stand of red clover or a stand of red clover and grass in which
               60 percent or more of the ground cover is red clover.

 1CO   2003    In lieu of Section 7(a)(2) of the Crop Revenue Coverage Insurance Policy
               Basic Provisions, you must submit your acreage report to us on or before
               the acreage reporting date contained in these Special Provisions.

 1CP   2003    In lieu of Section 6(a)(2) of the Basic Provisions, you must submit
               your acreage report on or before the acreage reporting date contained
               in these Special Provisions.

 1CQ   2003    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the
               number of pounds remaining after any reduction due to excessive moisture
               (in accordance with the applicable crop provisions) to determine
               the net production to count.  Any grain which, due to insurable causes, has
               zero market value (net zero market value after consideration of additional
               costs to deliver damaged grain to a market of reasonable distance outside
               your local marketing area) will not be considered production to count if
               the production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for
               the respective types and levels of damage.  Additional costs to deliver
               grain outside your local market will be allowed only for types and levels
               of damage included in section 4.

               1  Canola will be discounted for grade as follow:

                  Grade               DF
                  U.S. Sample Grade  .218

               2  Canola will be discounted for excessive kernel damage (excluding heat
                  damage) as follows:

                  Kernel Damage %  DF      Kernel Damage %    DF
                  20 and below    None     23.01-24         .678
                  20.01-21        .517     24.01-25         .732
                  21.01-22        .571     Above 25 - See Section 4
                  22.01-23        .625


               3  Canola will be discounted for musty odor, sour odor, and commercially
                  objectionable foreign odor (COFO) as follows:

                  Musty Odor = .043        Sour Odor = .043        COFO = .075

               4  Canola with (A) a kernel damage percentage above 25 percent; or
               (B) the presence of substances or conditions identified by the Food
               and Drug Administration or other public health organizations of the
               United States as injurious to human or animal health; may be allowed
               a discount factor. To determine the discount factor, the reduction in
               value (RIV) due to all covered quality deficiencies will be determined
               and that value will then be divided by the local market price*.
               Discount factors included in sections 1 through 3 will not be used if
               production qualifies for adjustment under this section 4.




 1CR   2003    A  The RIV specified in section 4 will be limited to amounts that are
               usual, customary, and reasonable. If the RIV can be decreased by
               conditioning the production, the RIV after conditioning may be
               increased by the cost of conditioning, provided that the resulting RIV
               does not exceed the RIV before conditioning. No RIV will be accepted if
               it is due to (1) moisture content; (2) damage due to uninsured causes;
               or (3) drying, handling, processing, or any other costs associated with
               normal harvesting, handling, and marketing of the production.

               B  RIV's used will be those in the local market area in which you normally
               market the crop, to the extent feasible. If the RIV for a buyer located
               outside your local market area is less than the RIV in your local market
               area, then the RIV may be increased by the additional costs required to
               deliver the production to the buyer, provided that the resulting RIV
               does not exceed the RIV in your local market area. If the damaged
               production has been sold, the Discount Factor will be based upon the
               RIV's applied by the buyer unless it is determined that such RIV's are
               not usual, customary, and reasonable.

               C   For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such
               production in a manner which establishes a value. In such cases, the
               value we agree to will be utilized in accordance with our approved
               procedures to determine the RIV for quality adjustment purposes
               according to section 4 herein.

               Only production qualifying under the terms of this section 4
               (a pre-established discount factor for at least one quality deficiency
               is not contained in the discount factor charts above) may be adjusted
               in this manner.  Notwithstanding the first two sentences of this
               paragraph C, claims involving production containing levels of substances
               or having conditions that are injurious to human or animal health in
               excess of the maximum amounts allowed by the Food and Drug Administration,
               other public health organizations of the United States or agency of the
               applicable State may not be settled until such production is sold, used,
               or destroyed.  The value used to determine the RIV for such production
               will be the amount received for the production, or, if the production
               is used, the value you offer and we agree to.

               D  The RIV and local market price* will be determined on the earlier of
                  the date such quality-adjusted production is sold or the date of final
                  inspection for the unit.

               *  The "Local Market Price" as defined in the applicable crop provisions.

 1CS   2003    Acreage following any crop harvested in the same crop year is insurable;
               however, insects and/or disease are not insurable causes of loss if such
               acreage is following cucumbers or another member of the cucurbit family.

 1CT   2004    The Mimimum Value and Allowable Costs are:

                                          Minimum Value              Allowable Costs
                    Navel Oranges         $2.50 per carton           $1.00 per carton

               The Minimum Value Option Prices are:

                                           Option I                   Option II
                    Navel Oranges          $1.00 per carton           $0.50 per carton



 1CU   2003    For acreage where insurance will attach on April 15, following the year
               of establishment, a revised acreage report may be taken until June 30.

 1CW   2003    **** A pure stand of alfalfa or a stand of alfalfa and grass in which 60
               percent or more of ground cover is alfalfa.

 1CY   2003    In lieu of section 9(g) of the Forage Seeding Crop Provisions, the calendar
               date for the end of the insurance period is April 14 of the calendar year
               following seeding for spring planted forage.

 1CZ   2001    In lieu of Section 9 (a)(1) of the Avocado and Mango Tree Tree Crop
               Provisions, insurance coverage for policies carried over from the 2000
               crop year will begin on 11/16/2000 for the 2001 crop year.

 1DA   2003    In lieu of Section 9 (b) (1), of the Processing Chile Pepper Pilot Crop
               Provisions, chile peppers planted on acreage which was planted to beans
               or cotton the preceding crop year is insurable.

 1DC   2003    Subparagraph 11 (d) (3) (ii) of the Small Grains Crop Provisions does not
               apply. In lieu of the provisions in paragraph 11(d) (4) of the Small Grains
               Crop Provisions, rye production that has a musty, sour, or commercially
               objectionable foreign odor (except smut or garlic odor) or that is
               otherwise eligible for quality adjustment, as specified in paragraphs 11
               (d) (2) and (3) of such provisions, will be reduced as follows:


 1DD   2003    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the applicable
               Discount Factors (DF) below (expressed as three-place decimals). No other
               quality factors will be considered in determining production to count. The
               QA Factor (not less than zero) will be multiplied by the number of bushels
               remaining after any reduction due to excessive moisture (in accordance with
               the applicable crop provisions) to determine the net production to
               count. Any grain which, due to insurable causes, has zero market value (net
               zero market value after consideration of additional costs to deliver
               damaged grain to a market of reasonable distance outside your local
               marketing area) will not be considered production to count if the
               production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for
               the respective types and levels of damage.  Additional costs to deliver
               grain outside your local market will be allowed only for types and levels
               of damage included in section 5.

               1  Rye will be discounted for grade as follows:

                  Grade                              DF
                  U.S. No. 4                         N/A
                  U.S. Sample Grade                 .310


               2  Rye will be discounted for low test weight as follows:

                  Test Weight Pounds  DF
                  52 and above    None
                  51-51.99        .038
                  50-50.99        .077
                  49-49.99        .115
                  Below 49 - See Section 5

               3  Rye will be discounted for excessive kernel damage (excluding heat
                  damage) as follows:

                  Kernel Damage %  DF   Kernel Damage %   DF   Kernel Damage %    DF
                    7 and below   None    16.01-17       .462  Above 25 - See Section 5
                    7.01-8        .141    17.01-18       .487
                    8.01-9        .179    18.01-19       .513
                    9.01-10       .218    19.01-20       .538
                   10.01-11       .256    20.01-21       .564
                   11.01-12       .295    21.01-22       .590
                   12.01-13       .333    22.01-23       .615
                   13.01-14       .372    23.01-24       .641
                   14.01-15       .410    24.01-25       .667
                   15.01-16       .436

               4  Rye will be discounted for percent Ergot as follows:

                   Ergot Percent     DF   Ergot Percent   DF    Ergot Percent    DF
                    0.30 and below  None   0.81-0.90     .077    1.41-1.50      .154
                    0.31-0.40       .013   0.91-1.00     .090    1.51-1.60      .167
                    0.41-0.50       .026   1.01-1.10     .103    1.61-1.70      .179
                    0.51-0.60       .038   1.11-1.20     .115    1.71-1.80      .192
                    0.61-0.70       .051   1.21-1.30     .128    1.81-1.90      .205
                    0.71-0.80       .064   1.31-1.40     .141    1.91-2.00      .218
                                                            Above 2.00 - See Section 5

 1DE   2003    5  Rye with (A) a test weight below 49 pounds per bushel; (B) a
               percent thin rye above 25 percent; (C) a garlicky or smutty grade
               (D) a kernel damage percentage above 25 percent; (E) an ergot percentage
               above 2 percent; (F) a musty, sour, or commercially objectionable foreign
               odor (except smut or garlic odor); or (G) the presence of substances
               or conditions identified by the Food and Drug Administration or other
               public health organizations of the United States as injurious to human
               or animal health; may be allowed a discount factor. To determine the
               discount factor, the reduction in value (RIV) due to all covered
               quality deficiencies will be determined and that value will then be
               divided by the local market price*.  Discount factors included in
               sections 1 through 4 will not be used if production qualifies for
               adjustment under this section 5.

               A  The RIV specified in section 5 will be limited to amounts that are
               usual, customary, and reasonable.  If the RIV can be decreased by con-
               ditioning the production, the RIV after conditioning may be increased
               by the cost of conditioning, provided that the resulting RIV does not
               exceed the RIV before conditioning.  No RIV will be accepted if it is due
               to (1) moisture content; (2) damage due to uninsured causes; or, (3)
               drying, handling, processing, or any other costs associated with normal
               harvesting, handling, and marketing of the production.

 1DF   2003    B  RIV's used will be those in the local market area in which you normally
               market the crop, to the extent feasible. If the RIV for a buyer
               located outside your local market area is less than the RIV in your
               local market area, then the RIV may be increased by the additional
               costs required to deliver the production to the buyer, provided that
               the resulting RIV does not exceed the RIV in your local market area.
               If the damaged production has been sold, the Discount Factor will be
               based upon the RIV's applied by the buyer unless it is determined
               that such RIV's are not usual, customary, and reasonable.

               C  For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such
               production in a manner which establishes a value.  In such cases, the
               value we agree to will be utilized in accordance with our approved
               procedures to determine the RIV for quality adjustment purposes according
               to section 5 herein.  Only production qualifying under the terms of this
               section 5 (a pre-established discount factor for at least one quality
               deficiency is not contained in the discount factor charts above) may be
               adjusted in this manner.  Not withstanding the first two sentences of this
               paragraph C, claims involving production containing levels of substances
               or having conditions that are injurious to human or animal health in excess
               of the maximum amounts allowed by the Food and Drug Administration, other
               public health organizations of the United States or agency of the
               applicable State may not be settled until such production is sold, used,
               or destroyed.

               The value used to determine the RIV for such production will be the amount
               received for the production, or, if the production is used, the value you
               offer and we agree to.

               D  The RIV and local market price* will be determined on the earlier
               of the date such quality-adjusted production is sold or the date of
               final inspection for the unit.

               *  The "Local Market Price" as defined in the applicable crop provisions.

 1DH   2003    The Basic Provisions of the Policy under Causes of Loss states " water
               contained by any governmental, public, or private dam or reservoir project"
               is an uninsurable cause of loss. This uninsurable peril(hereafter called
               "contained water") exists for land bordering Lake Red Rock. For this land
               "contained water" will be presumed to be the primary cause of loss whenever
               the elevation of Lake Red Rock (as measured by the Corps of Engineers)
               exceeds the elevation of the insured acreage at the time of loss unless
               you can prove otherwise. Furthermore, no prevented planting coverage
               will be available on this land if the elevation of Lake Red Rock reaches
               or exceeds the land elevation of (or denies access to) the insured acreage
               between the Sales Closing Date and the Final Planting Date shown in these
               Special Provisions of Insurance.  See the FCI-33 Rules Page for additional
               information affecting the insurability of this land.



 1DI   2003    A landlord's share of processing cucumber acreage will be considered to
               be grown under and in accordance with the requirements of a processor
               contract if the operator possesses a valid processor contract.

 1DJ   2003    Approved Dark Red Kidney Varieties:  Isles
                                                    Montcalm
                                                    Red Hawk

               Varieties not approved above will be insurable only by written agreement.
               Requests for written agreements must be signed by you and submitted to
               your crop insurance agent by the sales closing date.

 1DK   2003    Irrigated/Non-irrigated grain corn will be insurable as grain only by
               written agreement.  To qualify for a written agreement, you must have
               a minimum of 3 years of irrigated or non-irrigated corn grain APH history
               that meets the APH standards for such history (ie 50+ percent of the county
               acreage harvested as grain, or appraisals as grain). In addition, in at
               least one of the years, 50% or more of the acreage in the county must have
               been harvested as grain. The deadline for a request for a written agreement
               is the acreage reporting date for the initial crop year of the request and
               the sales closing date for subsquent crop years.




 1DL   2003    The allowable cost for harvested production (excluding all cooling
               charges) will include the actual cost of harvesting, grading, packing
               containers, hauling and selling not to exceed $3.00 per container.

               Cooling costs will not exceed $1.35 per container if paid by the insured.

 1DM   2003    Minimum Value: The minimum value to be used for harvested and appraised
               production will be $1.85 per container.


 1DN   2003    Insurance will not attach to any acreage on which potatoes were planted
               the preceding crop year, unless allowed on organic soils by written agreement.

 1DO   2002    There is a one-year lag period in reporting production.  Production
               reports through the 2000 crop year are required for the 2002 crop year.
               Any unit that does not have a 2000 crop year production report is
               uninsurable for the 2002 crop year.

 1DP   2003    Any acreage in this county without a rate or designated as uninsurable or
               unclassified on the FCI-33 CROP INSURANCE ACTUARIAL MAP will be insurable
               only by written agreement, unless such acreage is classified by an FCI-33
               CROP INSURANCE ACTUARIAL SUPPLEMENT.

               Contact your crop insurance agent by the sales closing date to determine
               eligibility requirements.

 1DQ   2001    Insurance will not attach to any Irrigated and/or IBR acreage on which
               sunflowers, canola, chickpeas, crambe, dry beans, dry peas (including
               lentils), mustard,  potatoes, rapeseed, safflowers, or soybeans have been
               planted in the preceding crop year.

               Insurance will not attach to any NIBR acreage on which sunflowers, canola,
               chickpeas, crambe, dry beans, dry peas (including lentils),mustard,
               potatoes, rapeseed, safflowers, or soybeans have been planted in
               either of the two preceding crop years.

               A crop which was planted and then all plant growth is terminated prior to
               the acreage reporting date, will not be considered planted for rotational
               purposes ONLY. The insured is responsible to provide proof of insurability.


 1DR   2003    Insurance will not attach to any acreage on which canola, crambe, chickpeas,
               dry beans, dry peas (including lentils), mustard, potatoes, rapeseed,
               safflower, soybeans, or sunflowers have been planted in either of the preceding
               two crop years (three year rotation) with the exception below:

               In a two year rotation, canola, crambe, chickpeas, dry beans, dry peas
               (including lentils), mustard, potatoes, rapeseed, safflower, soybeans,
               or sunflowers cannot have been planted in the preceding crop year and
               a blackleg resistant variety (MR-R) must be planted with the insured
               providing proof of variety by the acreage reporting date.  A rate
               surcharge will apply.

               A crop which was planted, and then all plant growth is terminated prior
               to the Acreage Reporting Date, will not be considered planted for
               rotational purposes ONLY.  The insured is responsible to provide proof
               of insurability.



 1DS   2001    Insurance will not attach to any acreage on which dry beans, canola,
               crambe, chickpeas, dry peas (including lentils), mustard, potatoes,
               rapeseed, soybeans, safflowers or sunflowers have been planted in the
               preceding crop year.

               A crop which was planted and then all plant growth is teminated prior
               to the acreage reporting date, will not be considered planted for
               rotational purposes ONLY.  The insured is responsible to provide
               proof of insurability.

 1DT   2001    Insurance shall not attach to any acreage on which dry beans, canola,
               chickpeas, crambe, dry peas (including lentils), mustard, potatoes,
               rapeseed, safflowers, soybeans or sunflowers have been planted in either
               of the two preceding crop years.

               A crop which was planted and then all plant growth is terminated prior to
               the acreage reporting date, will not be considered planted for rotational
               purposes ONLY.  The insured is responsible to provide proof of insurability.

 1DU   2001    Insurance will not attach to any acreage on which crambe, mustard, canola,
               chickpeas, dry beans, dry peas (including lentils), potatoes, rapeseed,
               safflowers, soybeans or sunflowers have been planted in either of the
               two preceding crop years.

               A crop which was planted and then all plant growth is terminated prior
               to the acreage reporting date, will not be considered planted for
               rotational purposes ONLY.  The insured is responsible to provide proof
               of insurability.

 1DV   2003    If any production from any unit will be marketed directly to the consumer
               (without the intervention of a wholesaler, retailer, packer, processor,
               shipper or buyer), pre-harvest crop appraisal is required.  Notification
               to us must be provided at least 15 days before harvest begins.

 1DW   2002    In addition to the definition of "standard nursery containers" in Section 1
               of the Nursery Crop Provisions (00-073), non rigid, woven planter bags
               that are appropriate in size and have drainage holes appropriate for the
               plant will be considered insurable nursery containers.  Not withstanding
               the size printed on the bag, the container size, in gallons, is to be
               determined on an actual volume basis.

 1DY   2003    Any acreage in this county with a high rate area designation on the
               FCI-33 CROP INSURANCE ACTUARIAL MAP/FCI-33 CROP INSURANCE ACTUARIAL
               SUPPLEMENT will have a rate derived from the actuarial table based on
               the applicable APH yield and adjusted by the "ADDITIONAL COVERAGE AND
               HIGH RISK RATES" table.

 1DZ   2003    Approved malting barley varieties will include all varieties approved for
               malting by the American Malting Barley Association for the current crop
               year or any variety grown under the terms of a malting barley contract.
               See the definition of "malting barley contract" in the applicable malting
               barley price and quality endorsement.

 1EA   2003    Approved Red Varieties:  Cajun
                                        Ember
                                        Garnet
                                        RNK001
                                        UI-37
                                        UI-228
               Varieties not approved above will be insurable only by written agreement.
               Requests for written agreements must be signed by you and submitted to
               your crop insurance agent by the sales closing date.

 1EC   2003    Insurance will cease on any clams remaining on the lease on the third
               anniversary of their seeding date.

 1EE   2003    ADEQUATE STAND/MINIMUM PLANTS REQUIRED:  For Established Stands of
               Alfalfa Seed greater than or equal to 1.00 living plants per square
               foot (43,560 plants per acre); for Fall or Spring Planted Seed-to-Seed
               Stands greater than or equal to 1.5 living plants per square foot
               (65,340 plants per acre).  Insurance attaches to acreage with adequate
               stands of live plants the later of the date specified in the crop
               provisions, or the date we accept your application.

 1EG   2003    The date shown in the Sales Closing Date column on the Special Provisions
               is for first year policies only. See the Nursery Crop Insurance Provisions,
               Section 9(a) for details.

 1EL   2003    For acreage-based contracts, insured acreage will be limited to the number
               of acres stated in the processor contract.  Acreage greater than the amount
               stated in the contract must be reported as uninsurable.  In a loss situation,
               all production from all planted acreage (both insurable and uninsurable)
               within each unit will be counted against the production guarantee for the
               unit.


 1EM   2003    In lieu of Section 8 (a) (1) (ii) for fall planted seed-to-seed year
               only, coverage begins for each crop year thirty (30) days after the final
               planting of any acreage.

 1EN   2002    Acreage following any crop harvested in the same crop year is insurable;
               however, insects and/or disease are not insurable causes of loss if such
               acreage is following snap beans, lima beans or green peas.


 1EO   2003    If you select the Minimum Value Option and pay the additional premium, the
               value of production to count that is sold is specified in section 15 (b)
               of the crop provisions.  The minimum value option price is zero.

 1EQ   2003    Normal stand of live alfalfa plants per square foot

               Alfalfa                           Irr  8.0
               Alfalfa Grass Mixture             Irr  3.3

               Alfalfa                       Non-Irr  6.4
               Alfalfa Grass Mixture         Non-Irr  2.7

 1ER   2003    Normal stand of live alfalfa plants per square foot

               Alfalfa                       Irr    12.0
               Alfalfa Grass Mixture         Irr     4.0

               Alfalfa                   Non-Irr     8.0
               Alfalfa Grass Mixture     Non-Irr     2.7


 1ES   2003    Normal stand of live alfalfa plants per square foot

               Alfalfa                           Irr  12.0
               Alfalfa Grass Mixture             Irr   5.1

               Alfalfa                       Non-Irr  10.0
               Alfalfa Grass Mixture         Non-Irr   4.3


 1ET   2003    Normal stand of live alfalfa plants per square foot

               Alfalfa                      Irr   8.0
               Alfalfa Grass Mixture        Irr   3.3

 1EU   2003    In lieu of Section 4 (Cancellation and Termination Dates) of the ELS
               Cotton Crop Provisions, the Cancellation and Termination Date will be
               January 31.

 1EV   2001    The production to count for blueberries with 20 percent or greater hail
               or freeze damage will be determined as follows:
               If the hail or freeze damaged blueberries are harvested and sold, divide
               the price per pound received (minus $0.15 per pound for harvesting) by
               the maximum price election for the county to determine the quality factor
               (not less than zero).  Multiply the quality factor by the pounds of damaged
               production to determine the production to count for such damaged production.
               If the hail or freeze damaged blueberries are unharvested or are harvested
               but not sold, the production to count will be zero.

 1EW   2003    To be insurable, the blueberry bushes must have reached the third growing
               season after being set out, or the unit must have produced at least 1,000
               pounds per acre for any year within the base period.

 1EX   2003    To be insurable, the blueberry bushes must have reached the third growing
               season after being set out, or the unit must have produced at least 1,500
               pounds per acre for any year within the base period.

 1EY   2002    Allowable Cost:
               Allowable cost for harvested production will include the actual cost
               of picking, grading, packing containers, hauling and selling not to
               exceed $0.22 per 50 pound bushel for machine harvested acreage and
               $1.25 per 50 pound bushel for hand harvested acreage.

 1EZ   2003    Survival factor for Age 1 Clams will be 65%.

 1F0   2004    Please refer to the Perennial Crop Transitional Yield and Acreage
               Tolerance Listing for the t-yields available for this crop.

 1FA   2003    Insurance does not attach to acreage planted before March 20 for spring
               planting and July 25 for fall planting.

 1FB   2001    The additional value price per bushel for Option A of the appropriate
               Barley Malting Barley Price and Quality Endorsement will be released as
               an Actuarial Table Addendum (Special Provisions) prior to the policy
               contract change date.

 1GA   2003    ****Group A - 285 Insurable Varieties: Catawba, Concord, Delaware,
               Elvira, Golden Muscat, Ives, Ventura and/or all other Natives.


 1GB   2003    ****Group A - 286 Insurable Varieties: Castel, Leon Millot and Marshall
               Foch.


 1GC   2003    ****Group B - 287 Insurable Varieties: Baco Noir, Cascade, Cayuga White,
               Chancellor, Chelois, Colobal, DeChaunac, Rosette, Rougeon, Seyval Blanc,
               Verdelet Blanc, Vidal Blanc, Vignoles, Villard Blanc, Vincent and/or
               other hybrids.

 1GD   2003    ****Group B - 288 Insurable Varieties: Aurora, Dutchess, Isabella and
               Niagara.

 1GE   2003    ****Group B - 289 Insurable variety: Traminette

 1GF   2003    ****Group C - 290 Insurable Variety: Chambourcin

 1GJ   2003    ****Group B - 281 Insurable Varieties: Merlot, Syrah and/or Cabernet varieties.


 1GK   2002    ****Group B - 281 Insurable Varieties:  Merlot, Syrah, Cabernet varieties,
               and/or Pinot varieties grown as varietal.

 1GL   2003    ****Group C - 282 Insurable Varieties:  Chardonnay, Pinot varieties
               grown as varietal, Grenache, Zinfandel, Limberger and other pink or red
               varieties not elsewhere identified.

 1GM   2002    ****Group C - 282 Insurable Varieties:  Chardonnay, Grenache, Zinfandel,
               Limberger and other pink or red varieties not elsewhere identified.

 1GN   2003    ****Group D - 283 Insurable Varieties:  Pinot Varieties contracted for
               Sparkling Wine, Semillon, Sauvignon Blanc, Muscat varieties and other
               white varieties not elsewhere identified.


 1GO   2002    ****Group D - 283 Insurable Varieties:  Semillon, Sauvignon Blanc,
               Muscat varieties and other white varieties not elsewhere identified.


 1GP   2001    Cultural Requirements:  In accordance with Section 6(a)(5) of the Strawberry
               Crop Provisions, all transplants must be disease free plants.
               Each crop year you must fumigate and plant on raised beds with plastic
               mulch and provide overhead irrigation for freeze protection.

 1GQ   2003    ****Group E - 284 Insurable Varieties:  White Riesling/Johannisberg
               Riesling, Chenin Blanc, Gewurztraminer, and/or Muller Thurgau.


 1GS   2003    Any acreage which has been airplane or broadcast seeded, and has been
               mechanically incorporated into the soil, will be insurable only if the
               crop has been inspected and determined to have an adequate stand
               to produce the yield used to determine your revenue guarantee.
               Contact your agent by the sales closing date to determine eligibility
               requirements.

 1GT   2001    Rotation requirements: In accordance with Section 8 (a)(1) of the
               Sugar Beet Crop Provisions, insurance will not attach to any acreage
               on which sugar beets were grown the preceding crop year unless plant
               growth on the sugar beet acreage planted the preceding year was
               mechanically or chemically terminated prior to June 1st of that year,
               and the acreage was fallowed or planted to another crop which is not a
               host to the sugar beet nematode.

 1GW   2003    In lieu of Section 9 of the Processing Bean Crop Provisions, the end of
               insurance period for fall planted snap beans will be October 31 for this
               county crop program.


 1HA   2003    ****Varietal Group A - 114 Insurable varieties: Fuji, Braeburn,
               Gala, Jonagold, Crispin, Pink Lady, Cameo, Honeycrisp, Sommerfeld,
               Royal Gala and Macoun.

 1HB   2003    ****Varietal Group B - 115 Insurable varieties: All other Apple
               varieties not specified in Group A.


 1HE   2001    A peanut crop which is properly planted, using a machine designed for
               such purpose, into an established grass or legume, will be insurable
               provided that prior to the emergence of the planted crop, the established
               grass or legume is treated with a herbicide which is labeled and
               recommended for the purpose of killing the established grass or legume.


 1HG   2002    Zinfandel grapes may be insured as type "red zinfandel (113)" only if:
               1) the grapes are grown under a contract with a winery; 2) the winery
               contract specifically states that the grapes are being grown for the
               production of red zinfandel wine; and 3) a copy of the contract is
               provided to us no later than the earlier of the acreage reporting date
               or the date of any damage to the insured crop.  Failure to comply
               with any of the above terms will result in the grapes being insured
               as type "zinfandel (094)".  In addition, if you notify us, or if at any
               time we determine that appropriate cultural practices were not followed
               for the production of grapes to be used for red zinfandel wine, we will
               revise the insured grape type to "zinfandel (094)".

 1HH   2003    If the insured selects Fresh Fruit Options (FB), (FC), or (FD) they
               must provide one year of fresh fruit records from at least one of the
               two previous crop years.


 1HJ   2003    In addition to the Crop Provisions requirements of insurability, Pinot
               grapes shall be insurable within Group C (type 282) only if:

               1) the grapes are properly and timely pruned for the purposes of producing
               a Pinot varietal wine; and

               2) the majority of Pinot tonnage was utilized for the production of a
               varietal Pinot wine in at least two of the previous three crop years.

               Failure to comply with either of these conditions will result in the
               Pinot grapes being insurable within Group D (type 283).

 1HK   2003    In lieu of the provisions in section 1 Definitions, "Damaged onion
               production", the following shall apply only to onions having reached
               the final stage:

               Damaged onion production - Storage type onion production that does not
               size at least eighty percent (80%) U.S. Jumbo or larger will be reduced
               0.06 percent for each 0.1 not grading U.S. No. 1 Jumbo or larger. (All
               percentage points of damage will be rounded to the nearest 0.1 percent)

               Formula:
               Production to count = 100% minus ((80% minus actual % Jumbo+) multiplied
               by 0.60) multiplied by yield.

               Example:
               Production to count = 1 minus ((0.800 minus 0.280) multiplied by 0.60)
               multiplied by  350 (cwt) = 240.8 cwt.

 1HL   2002    A classification size minimum of 1/2 (one-half) inch in diameter for
               Grape Tomatoes applies to the definition of potential production under
               section 1 and to section 13, settlement of claim - (7)(D)(ii)(B) and
               (7)(D)(V)(B)(ii)(B).

 1HM   2002    A carton of Grape Tomatoes is defined as a container of 12 one pint
               containers per box or 15 pounds per box.


 1HN   2003    A crop which was planted and then all plant growth is terminated prior to
               the acreage reporting date, will not be considered planted for rotational
               purposes ONLY. The insured is responsible to provide proof of insurability.


 1HP   2003    In lieu of the cancellation and termination dates in the crop provisions,
               the cancellation and termination dates are January 31.

 1HR   2002    Calculations for replanting payments and final claims for wheat with more than
               one type (012/015) within the unit:
               (a) For the purpose of section 9 (Replanting Payments) of the Crop Revenue
               Coverage Insurance Policy Wheat Crop Provisions, a replanting payment will
               be calculated using the Base Price for the type of wheat that is replanted
               and insured.  For example, if damaged Durum wheat (type 015) acreage is
               replanted to another spring type (type 012), the Base Price for type 012
               will be used to calculate any replanting payment that may be due.
               A revised acreage report will be necessary to record the new type and Base
               Price for the replanted acreage, and to reflect the new premium amount.
               (b) For the purpose of section 11 (Settlement of Claim) of the Crop
               Revenue Coverage Insurance Policy Wheat Crop Provisions, a final claim
               will be calculated as follows when more than one Base Price is applicable:

               (1) For basic or optional units by:

                   (A) Multiplying the insured acreage of each type (012/015) by the
                       Final Guarantee;
                   (B) Subtracting the Calculated Revenue from each result in (A); and
                   (C) Multiplying each result in (B) by your share.

               (2) For enterprise units by:
                   (A) Multiplying the insured acreage of each type (012/015) by the
                       Final Guarantee for each type for each basic or optional unit
                       within the enterprise unit;
                   (B) Computing the Calculated Revenue for each type for each basic or
                       optional unit in the enterprise unit;
                   (C) Subtracting each result in (B) from the respective result of (A);
                   (D) Multiplying each result in (C) by your share; and
                   (E) Totaling the results.


 1HS   2003    In accordance with section 2(a) of the crop provisions, basic units are
               allowed by type.

 1HV   2003    In lieu of Section 11(b) of the Onion Crop Provisions, the maximum amount
               of the replanting payment per acre will be your actual cost for replanting,
               but will not exceed the lesser of:

               for yellow onions:
               (1)  22 percent of the final stage production guarantee multiplied by your
               price election and by your insured share; or,
               (2)  50 hundredweight multiplied by your price election and by your insured
               share; and,

               for red or white onions:
               (1)  18 percent of the final stage production guarantee multiplied by your
               price election and by your insured share; or,
               (2)  33 hundredweight multiplied by your price election and by your insured
               share.


 1HW   2002    Conversion factors to be used in accordance with the provision of the
               insurance policy for adjusting threshed production of dry beans:
                   Section I.   CLASS OF BEANS         GRADE           FACTOR
                                Black Turtle Soup           U.S. No. 3          .90
                                Dark Red Kidney       U.S. No. 3          .90
                                Great Northern              U.S. No. 3          .91
                                Pinto                       U.S. No. 3          .90
                                Pink                        U.S. No. 3          .90
                                Light Red Kidney            U.S. No. 3          .90
                                Small Whites                U.S. No. 3          .90

                   Section II.  Great Northern
                     Percent of Pick   Factor       Percent of Pick    Factor
                         7              .87               14            .70
                         8              .85               15            .67
                         9              .82               16            .65
                        10              .80               17            .63
                        11              .77               18            .60
                        12              .75               19            .58
                        13              .72               20            .55

                  Section III.   Pea (Navy) and Medium White
                    Percent of Pick    Factor        Percent of Pick   Factor
                         5              .98               13            .80
                         6              .96               14            .78
                         7              .94               15            .76
                         8              .91               16            .74
                         9              .89               17            .72
                        10              .86               18            .70
                        11              .84               19            .68
                        12              .82               20            .67

 1HX   2003    Insurance will not attach to any acreage planted south of Interstate 10
               that is not irrigated.

 1HY   2003    Any non-irrigated acreage from which a hay crop was harvested (other
               than hay made from a damaged small grain crop) or a small grain crop
               was harvested for grain in the same calendar year will not be insurable.

 1HZ   2003    Soybean acreage seeded by methods not rated on the actuarial table
               (e.g., seeding by airplane, helicopter, end-gate seeder, fan-type
               spreader, etc.), will not be insurable.

 1I6   2003    **** Includes only commercial Kabuli garbanzos.

 1JA   2003    Soybean acreage seeded by methods not rated on the actuarial table
               e.g., boom-type spreader, airplane, helicopter, end-gate seeder,
               fan-type spreader, etc.), will not be insurable.


 1JB   2003    **** Insurable varieties for Group A:  Russet Burbank, Bannock Russet,
               Lemhi Russet, Ranger Russet, and Umatilla Russet varieties.

 1JC   2003    Minimum Value:
               The minimum value to be used for harvested and appraised production will
               be the lesser of the contract price or $3.75 per 50 pound bushel.

 1JD   2001    NFAC - Not following another crop as defined in Sec 5 (b)(4)(5) of
               the Cotton Crop Provisions.

 1JE   2001    FAC - Following another crop as defined in Sec 5 (b)(4)(5) of
               the Cotton Crop Provisions.

 1JF   2003    The amount of insurance per acre formula will be the factor listed below
               by specific coverage level times the county yield established by FCIC
               minus the minimum payment (in bushels) provided by the seed company times
               the selected price election.
               COVERAGE LEVEL        FACTOR
               50% coverage level -  .667
               55% coverage level -  .733
               60% coverage level -  .800
               65% coverage level -  .867
               70% coverage level -  .933
               75% coverage level - 1.000
               80% coverage level - 1.067*
               85% coverage level - 1.133*

               *where applicable

 1JG   2002    Certified Seed Endorsement Guarantee: For the purpose of Section 8
               of the Certified Seed Endorsement, the dollar amount per hundredweight
               (cwt) is $3.00 for acreage within Seed Potato Crop Management Areas as
               authorized under Title 22 Chapter 10 of Idaho Code (Rate Class Option Code 'CH'
               applicable).  For acreage not within a Seed Potato Crop Management
               Area the dollar amount per hundredweight (cwt) is $1.00 (Rate Class Option Code
               'CL' applicable).

 1JH   2003    Certified Seed Endorsement Guarantee: For the purpose of Section 8 of the
               Certified Seed Endorsement, the dollar amount per hundredweight (cwt) is $3.00
               for acreage within Seed Potato Isolation District as authorized
               under Chapter 15.15 of RCW (Rate Class Option Code 'CH' applicable).  For
               acreage not within a Seed Potato Isolation District the dollar amount per
               hundredweight (cwt) is $1.00 (Rate Class Option Code "CL' applicable).

 1KD   2002    If your acreage of insurable cabbage types in this county for the current
               crop year exceeds 125 percent of the greatest number of acres of insurable
               cabbage types that you produced in this county for any one of the three
               previous crop years, your production guarantee (per acre) for the current
               crop year will be reduced as follows:
               (a) Multiply the greatest number of acres of insurable cabbage types that
               you produced in this county in any one of the three previous crop years
               by 1.25;
               (b) Divide the result by the number of acres of insurable cabbage types
               produced by you in this county in the current crop year; and
               (c) Multiply the resulting factor (not to exceed 1.0) by the production
               guarantee (per acre) for the current crop year.

               You must provide written verification of acreage data from the Farm Service
               Agency or Extension Service to the company representative by the time of
               application if you are a new insured or by the sales closing date if you are
               a carry-over insured.

               All production from your total acreage of insurable cabbage types produced
               in this county in the current crop year will be counted in the event of a
               loss.

               This limitation will not apply to:
               (a) An acreage increase of five or less acres; or
               (b) Any acreage of processing cabbage under contract.

 1KT   2003    Insurance will not attach on any acreage planted to tomatoes direct
               seeded after May 15.

 1LF   2003    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the applicable
               Discount Factors (DF) below (expressed as three-place decimals). No other
               quality factors will be considered in determining production to count. The
               QA Factor (not less than zero) will be multiplied by the number of bushels
               remaining after any reduction due to excessive moisture (in accordance with
               the applicable crop provisions) to determine the net production to count.
               Any grain which, due to insurable causes, has zero market value (net zero
               market value after consideration of additional costs to deliver damaged
               grain to a market of reasonable distance outside your local marketing area)
               will not be considered production to count if the production is destroyed.
               Production that is not destroyed in a manner acceptable to us will be
               adjusted in accordance with the rules below for the respective types and
               levels of damage.  Additional costs to deliver grain outside your local
               market will be allowed only for types and levels of damage included in
               section 5.

               1  Grain Sorghum will be discounted for grade as follows:
                  Grade                  DF
                  U.S. Sample Grade     .233

               2  Grain Sorghum will be discounted for low test weight as follows:
                  Test Weight Pounds     DF         Test Weight Pounds    DF
                    51 and above        None         Below 40 - See Section 5
                    50-50.99            .038
                    49-49.99            .052
                    48-48.99            .064
                    47-47.99            .077
                    46-46.99            .090
                    45-45.99            .103
                    44-44.99            .115
                    43-43.99            .128
                    42-42.99            .141
                    41-41.99            .154
                    40-40.99            .167

               3  Grain sorghum will be discounted for excessive kernel damage (excluding
                  heat damage) as follows:
                  Kernel Damage %   DF   Kernel Damage %   DF   Kernel Damage %  DF
                    15 and below   None    21.01-22       .131    28.01-29      .186
                    15.01-16       .074    22.01-23       .141    29.01-30      .192
                    16.01-17       .083    23.01-24       .151    30.01-31      .199
                    17.01-18       .093    24.01-25       .160    31.01-32      .205
                    18.01-19       .103    25.01-26       .167    32.01-33      .212
                    19.01-20       .112    26.01-27       .173    33.01-34      .218
                    20.01-21       .122    27.01-28       .179    34.01-35      .224
                                                                Above 35 - See Section 5

               4  Grain sorghum will be discounted for a musty odor, sour odor, or
                  commerically objectionable foreign odor (except smut odor) as follows:

                  Musty Odor = .032          Sour Odor = .064            COFO = .064

               5  Grain sorghum with (A) a test weight below 40 pounds per bushel and/or
                  kernel damage above 35 percent; (B) a smutty grain sorghum grade; or
                  (C) the presence of substances or conditions identified by the Food and
                  Drug Administration or other public health organizations of the United
                  States as injurious to human or animal health; may be allowed a discount
                  factor.  To determine the discount factor, the reduction in value (RIV)
                  due to all covered quality deficiencies will be determined and that
                  value will then be divided by the local market price*. Discount factors
                  included in sections 1 through 4 will not be used if production
                  qualifies for adjustment under this section 5.

                  A  The RIV specified in section 5 will be limited to amounts that are
                     usual, customary, and reasonable.  If the RIV can be decreased by
                     conditioning the production, the RIV after conditioning may be in-
                     creased by the cost of conditioning, provided that the resulting RIV
                     does not exceed the RIV before conditioning.  No RIV will be accept-
                     ed if it is due to (1) moisture content; (2) damage due to uninsured
                     causes; or (3) drying, handling, processing, or any other costs
                     associated with normal harvesting, handling, and marketing of the
                     production.

 1LG   2003       B  RIV's used will be those in the local market area in which you
                     normally market the crop, to the extent feasible.  If the RIV for
                     a buyer located outside your local market area is less than the
                     RIV in your local market area, then the RIV may be increased by
                     the additional costs required to deliver the production to the
                     buyer, provided that the resulting RIV does not exceed the RIV
                     in your local market area.  If the damaged production has been
                     sold, the discount factor will be based upon the RIV's applied
                     by the buyer unless it is determined that such RIV's are not
                     usual, customary, and reasonable.

                  C  For production we determine has no value in and outside your local
                     market area, you may offer a value or may intend to utilize such
                     production in a manner which establishes a value.  In such cases, the
                     value we agree to will be utilized in accordance with our approved
                     procedures to determine the RIV for quality adjustment purposes
                     according to section 5 herein. Only production qualifying under
                     the terms of this section 5 (a pre-established discount factor for
                     at least one quality deficiency is not contained in the discount
                     factor charts above) may be adjusted in this manner. Notwithstanding
                     the first two sentences of this paragraph C, claims involving
                     production containing levels of substances or having conditions
                     that are injurious to human and animal health in excess of the
                     maximum amounts allowed by the Food and Drug Administration, other
                     public health organizations of the United States or agency of the
                     applicable State may not be settled until such production is sold,
                     used, or destroyed. The value used to determine the RIV for such
                     production will be the amount received for the production, or, if
                     the production is used, the value you offer and we agree to.

                  D  The RIV and local market price* will be determined on the earlier
                     of the date such quality-adjusted production is sold or the date
                     of final inspection for the unit.

                  *  The "Local Market Price" as defined in the applicable crop
                     provisions.

 1LH   2003    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the
               number of bushels remaining after any reduction due to excessive moisture
               (in accordance with the applicable crop provisions) to determine the
               net production to count.  Any grain which, due to insurable causes, has
               zero market value (net zero market value after consideration of additional
               costs to deliver damaged grain to a market of reasonable distance outside
               your local marketing area) will not be considered production to count if
               the production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for
               the respective types and levels of damage.  Additional costs to deliver
               grain outside your local market will be allowed only for types and levels
               of damage included in section 5.

               1  Soybeans will be discounted for grade as follows:

                  Grade                 DF
                  U.S. Sample Grade    .209

               2  Soybeans will be discounted for low test weight as follows:
                  Test Weight Pounds    DF      Test Weight Pounds    DF
                     49 and above      None     Below 44 - See Section 5
                     48-48.99          .007
                     47-47.99          .009
                     46-46.99          .010
                     45-45.99          .012
                     44-44.99          .014

               3  Soybeans will be discounted for excessive kernel damage (excluding heat
                  damage) as follows:
                  Kernel Damage %   DF    Kernel Damage %   DF    Kernel Damage %   DF
                     8 and below   None      17.01-18      .110      27.01-28      .186
                     8.01-9        .042      18.01-19      .118      28.01-29      .194
                     9.01-10       .049      19.01-20      .125      29.01-30      .202
                    10.01-11       .057      20.01-21      .133      30.01-31      .209
                    11.01-12       .065      21.01-22      .141      31.01-32      .217
                    12.01-13       .072      22.01-23      .148      32.01-33      .224
                    13.01-14       .080      23.01-24      .156      33.01-34      .232
                    14.01-15       .087      24.01-25      .163      34.01-35      .240
                    15.01-16       .095      25.01-26      .171  Above 35 - See Section 5
                    16.01-17       .103      26.01-27      .179

               4  Soybeans will be discounted for a musty odor, sour odor, or commercially
                  objectionable foreign odor (COFO) as follows:

                  Musty Odor = .010      Sour Odor = .019     COFO = .038

               5  Soybeans with (A) a test weight below 44 pounds per bushel and/or kernel
                  damage above 35 percent; (B) a garlicky soybean grade; or (C) the
                  presence of substances or conditions identified by the Food and Drug
                  Administration or other public health organizations of the United States
                  as injurious to human or animal health; may be allowed a discount
                  factor.  To determine the discount factor, the reduction in value
                  (RIV) due to all covered quality deficiencies will be determined and
                  that value will then be divided by the local market price*.  Discount
                  factors included in sections 1 through 4 will not be used if production
                  qualifies for adjustment under this section 5.

                  A  The RIV specified in section 5 will be limited to amounts that are
                     usual, customary, and reasonable.  If the RIV can be decreased by
                     conditioning the production, the RIV after conditioning may be
                     increased by the cost of conditioning, provided that the resulting
                     RIV does not exceed the RIV before conditioning.  No RIV will be
                     accepted if it is due to (1) moisture content; (2) damage due to
                     uninsured causes; or (3) drying, handling, processing, or any other
                     costs associated with normal harvesting, handling, and marketing of
                     the production.

 1LI   2003       B  RIV's used will be those in the local market area in which you
                     normally market the crop, to the extent feasible.  If the RIV for
                     a buyer located outside your local market area is less than the RIV
                     in your local market area, then the RIV may be increased by the
                     additional costs required to deliver the production to the buyer,
                     provided that the resulting RIV does not exceed the RIV in your local
                     market area.  If the damaged production has been sold, the discount
                     factor will be based upon the RIV's applied by the buyer unless it
                     is determined that such RIV's are not usual, customary, and
                     reasonable.

                  C  For production we determine has no value in and outside your local
                     market area, you may offer a value or may intend to utilize such
                     production in a manner which establishes a value.  In such cases, the
                     value we agree to will be utilized in accordance with our approved
                     procedures to determine the RIV for quality adjustment purposes
                     according to section 5 herein.  Only production qualifying under the
                     terms of this section 5 (a pre-established discount factor for at
                     least one quality deficiency is not contained in the discount factor
                     charts above) may be adjusted in this manner.  Notwithstanding the
                     first two sentences of this paragraph C, claims involving production
                     containing levels of substances or having conditions that are
                     injurious to human or animal health in excess of the maximum amounts
                     allowed by the Food and Drug Administration, other public health
                     organizations of the United States or agency of the applicable State
                     may not be settled until such production is sold, used, or destroyed.
                     The value used to determine the RIV for such production will be the
                     amount received for the production, or, if the production is used,
                     the value you offer and we agree to.


                  D  The RIV and local market price* will be determined on the earlier
                     of the date such quality-adjusted production is sold or the date of
                     final inspection for the unit.

                * The "Local Market Price" as defined in the applicable crop provisions.

 1LJ   2003    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place
               decimals).  No other quality factors will be considered in determining
               production to count.  The QA Factor (not less than zero) will be
               multiplied by the number of bushels remaining after any reduction due
               to excessive moisture (in accordance with the applicable crop provisions)
               to determine the net production to count. Any grain which, due to insurable
               causes, has zero market value (net zero market value after consideration of
               additional costs to deliver damaged grain to a market of reasonable distance
               outside your local marketing area) will not be considered production to
               count if the production is destroyed.  Production that is not destroyed in
               a manner acceptable to us will be adjusted in accordance with the rules
               below for the respective types and levels of damage.  Additional costs to
               deliver grain outside your local market will be allowed only for types and
               levels of damage included in section 5.

               1  Corn will be discounted for grade as follows:

                  Grade                   DF
                  U.S. Sample Grade      .226

               2  Corn will be discounted for low test weight as follows:
                  Test Weight Pounds   DF      Test Weight Pounds       DF
                  49 and above        None     Below 46 - See Section 5
                  48-48.99            .042
                  47-47.99            .053
                  46-46.99            .063

               3  Corn will be discounted for excessive kernel damage (excluding heat
                  damage) as follows:
                  Kernel Damage %   DF   Kernel Damage %  DF   Kernel Damage %  DF
                    10 and below   None    18.01-19      .159    27.01-28      .302
                    10.01-11       .053    19.01-20      .175    28.01-29      .317
                    11.01-12       .063    20.01-21      .190    29.01-30      .333
                    12.01-13       .074    21.01-22      .206    30.01-31      .349
                    13.01-14       .085    22.01-23      .222    31.01-32      .365
                    14.01-15       .095    23.01-24      .238    32.01-33      .381
                    15.01-16       .111    24.01-25      .254    33.01-34      .397
                    16.01-17       .127    25.01-26      .270    34.01-35      .413
                    17.01-18       .143    26.01-27      .286    Above 35 - See Section 5

               4  Corn will be discounted for a musty odor, sour odor, or commerically
                  objectionable foreign odor (COFO) as follows:

                   Musty Odor: = .026      Sour Odor = .053         COFO = .053

               5  Corn with (A) a test weight below 46 pounds per bushel and/or kernel
                  damage above 35 percent; (B) the presence of substances or conditions
                  identified by the Food and Drug Administration or other public health
                  organizations of the United States as injurious to human or animal
                  health; may be allowed a discount factor. To determine the discount
                  factor, the reduction in value (RIV) due to all covered quality
                  deficiencies will be determined and that value will then be divided
                  by the local market price*.  Discount factors included in sections
                  1 through 4 will not be used if production qualifies for adjustment
                  under this section 5.

                  A  The RIV specified in section 5 will be limited to amounts that are
                     usual, customary, and reasonable.  If the RIV can be decreased by
                     conditioning the production, the RIV after conditioning may be
                     increased by the cost of conditioning, provided that the resulting
                     RIV does not exceed the RIV before conditioning.  No RIV will be
                     accepted if it is due to (1) moisture content; (2) damage due to
                     uninsured causes; or (3) drying, handling, processing, or any other
                     costs associated with normal harvesting, handling, and marketing of
                     the production.

 1LK   2003       B  RIV's used will be those in the local market area in which you
                     normally market the crop, to the extent feasible.  If the RIV for
                     a buyer located outside your local market area is less than the RIV
                     in your local market area, then the RIV may be increased by the
                     additional costs required to deliver the production to the buyer,
                     provided that the resulting RIV does not exceed the RIV in your local
                     market area.  If the damaged production has been sold, the discount
                     factor will be based upon the RIV's applied by the buyer unless it
                     is determined that such RIV's are not usual, customary, and
                     reasonable.

                  C  For production we determine has no value in and outside your local
                     market area, you may offer a value or may intend to utilize such
                     production in a manner which establishes a value. In such cases, the
                     value we agree to will be utilized in accordance with our approved
                     procedures to determine the RIV for quality adjustment purposes
                     according to section 5 herein. Only production qualifying under
                     the terms of this section 5 (a pre-established discount factor
                     for at least one quality deficiency is not contained in the
                     discount factor charts above) may be adjusted in this manner.
                     Notwithstanding the first two sentences of this paragraph C, claims
                     involving production containing levels of substances or having
                     conditions that are injurious to human or animal health in excess
                     of the maximum amounts allowed by the Food and Drug Administration,
                     other public health organizations of the United States or agency
                     of the applicable State may not be settled until such production
                     is sold, used, or destroyed.  The value used to determine the RIV
                     for such production will be the amount received for the production,
                     or, if the production is used, the value you offer and we agree to.

                  D  The RIV and local market price* will be determined on the earlier
                     of the date such quality-adjusted production is sold or the date
                     of final inspection for the unit.

                     * The "Local Market Price" as defined in the applicable crop
                     provisions.

 1LL   2003    Subparagraph 11(d) (3) (ii) of the Small Grains Crop Provisions does not
               apply.  In lieu of subparagraph 11(d) (2) (i) (E) of the Small Grains
               Crop Provisions, flaxseed will be eligible for quality adjustment if it
               has a musty, sour, or commercially objectionable foreign odor (except smut
               or garlic odor) or if it does not meet the grade requirements for U.S. No.
               2 (grades U.S. Sample Grade) because of test weight or damaged kernels.
               Production of flaxseed that is eligible for quality adjustment, as
               specified above and in paragraphs 11(d) (2) and (3) of the Small Grains
               Crop Provisions, will be reduced (in lieu of the provisions in paragraph
               11(d) (4) of the Small Grains Crop Provisions) as follows:

               The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the
               number of bushels otherwise determined in accordance with the Small Grains
               Crop Provisions, to determine the net production to count.  Any grain
               which, due to insurable causes, has zero market value (net zero market value
               after consideration of additional costs to deliver damaged grain to a market of
               reasonable distance outside your local marketing area) will not be considered
               production to count if the production is destroyed.  Production that is not
               destroyed in a manner acceptable to us will be adjusted in accordance with the
               rules below for the respective types and levels of damage.  Additional costs to
               deliver grain outside your local market will be allowed only for types and
               levels of damage included in section 5.

               1  Flaxseed will be discounted for grade as follows:
                  Grade                DF
                  U.S. Sample Grade   .218

               2  Flaxseed will be discounted for low test weight as follows:

               Test Weight Pounds DF   Test Weight Pounds  DF    Test Weight Pounds  DF
                  47 and above   None     41-41.99        .103   Below 40-See Section 5
                  46-46.99       .039     40-40.99        .116
                  45-45.99       .052
                  44-44.99       .065
                  43-43.99       .077
                  42-42.99       .090

               3  Flaxseed will be discounted for excessive kernel damage (excluding
               heat damage) as follows:

                  Kernel Damage %         DF             Kernel Damage %        DF
                  15 and below           None            20.01 - 21            .441
                  15.01 - 16             .172            21.01 - 22            .495
                  16.01 - 17             .226            22.01 - 23            .548
                  17.01 - 18             .280            Above 23 - See Section 5
                  18.01 - 19             .333
                  19.01 - 20             .387

               4  Flaxseed will be discounted for musty odor, sour odor, and commercially
               objectionable foreign odor (except smut or garlic odor) as follow:

                  Musty Odor = .043       Sour Odor = .043        COFO = .075

               5  Flaxseed with (A) a test weight below 40 pounds per bushel; (B) a
               kernel damage percentage above 23 percent; and/or (C) the presence of
               substances or conditions identified by the Food and Drug Administration
               or other public health organizations of the United States as injurious to
               human or animal health; may be allowed a discount factor. To determine the
               discount factor, the reduction in value (RIV) due to all covered quality
               deficiencies will be determined and that value will then be divided by the
               local market price*. Discount factors included in Section 1 through 4 will
               not be used if production qualifies for adjustment under this section 5.

                 A  The RIV specified in section 5 will be limited to amounts that
                    are usual, customary, and reasonable.  If the RIV can be decreased
                    by conditioning the production, the RIV after conditioning may be
                    increased by the cost of conditioning, provided that the resulting
                    RIV does not exceed the RIV before conditioning.  No RIV will be
                    accepted if it is due to (1) moisture content; (2) damage due to
                    uninsured causes; or (3) drying, handling, processing, or any other
                    costs associated with normal harvesting, handling, and marketing of
                    the production.

 1LM   2003       B RIV's used will be those in the local market area in which you
                    normally market the crop, to the extent feasible.  If the RIV for a
                    buyer located outside your local market area is less than the RIV
                    in your local market area, then the RIV may be increased by the
                    additional costs required to deliver the production to the buyer,
                    provided that the resulting RIV does not exceed the RIV in your local
                    market area.  If the damaged production has been sold, the discount
                    factor will be based upon the RIV's applied by the buyer unless it is
                    determined that such RIV's are not usual, customary, and reasonable.

                  C For production we determine has no value in and outside your local
                    market area, you may offer a value or may intend to utilize such
                    production in a manner which establishes a value.  In such cases,
                    the value we agree to will be utilized in accordance with our
                    approved procedures to determine the RIV for quality adjustment
                    purposes according to section 5 herein. Only production qualifying
                    under the terms of this section 5 (a pre-established discount factor
                    for at least one quality deficiency is not contained in the discount
                    factor charts above) may be adjusted in this manner. Notwithstanding
                    the first two sentences of this paragraph C, claims involving
                    production containing levels of substances or having conditions
                    that are injurious to human or animal health in excess of the
                    maximum amounts allowed by the Food and Drug Administration, other
                    public health organizations of the United States or agency of the
                    applicable State may not be settled until such production is sold,
                    used, or destroyed. The value used to determine the RIV for such
                    production will be the amount received for the production, or, if
                    the production is used, the value you offer and we agree to.


                  D The RIV and local market price* will be determined on the earlier
                    of the date such quality-adjusted production is sold or the date
                    of final inspection for the unit.

               * The "Local Market Price" as defined in the applicable crop provisions.

 1LN   2003    Subparagraph 11 (d) (3) (ii) of the Safflower Crop Provisions does
               not apply. In lieu of subparagraph 11 (d) (2) of the Safflower Crop Provisions,
               safflower will be eligible for quality adjustment if it
               has a musty, sour, or commercially objectionable foreign odor or if
               it has a test weight below 35 pounds per bushel or has kernel damage
               in excess of 25 percent. Production is also eligible for quality
               adjustment if substances or conditions are present, including
               mycotoxins, that are identified by the Food and Drug Administration
               or other public health organizations of the United States as being
               injurious to human or animal health.  Production of safflower seed
               that is eligible for quality adjustment will be reduced as follows:

               The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place
               decimals). No other quality factors will be considered in determining
               production to count.  The QA Factor (not less than zero) will be
               multiplied by the number of pounds remaining after any reduction due
               to excessive moisture (in accordance with the applicable crop provisions)
               to determine the net production to count. Any safflower seed which, due
               to insurable causes, has zero market value (net zero market value after
               consideration of additional costs to deliver damaged safflower seed to
               a market of reasonable distance outside your local marketing area) will
               not be considered production to count if the production is destroyed.
               Production that is not destroyed in a manner acceptable to us will
               be adjusted in accordance with the rules below for the respective
               types and levels of damage.  Additional costs to deliver safflower
               seed outside your local market will be allowed only for types and
               levels of damage included in section 3.

               1  Safflower will be discounted for excessive kernel damage (excluding
               heat damage) as follows:

               Kernel Damage %     DF   Kernel Damage %      DF   Kernel Damage %    DF
                  25 and below    None                             35.01-36        .656
                  25.01-26        .387     30.01-31         .522   Above 36 - See Section 3
                  26.01-27        .414     31.01-32         .548
                  27.01-28        .441     32.01-33         .575
                  28.01-29        .468     33.01-34         .602
                  29.01-30        .495     34.01-35         .629

               2  Safflower will be discounted for musty odor, sour odor, and commercially
               objectionable foreign odor (COFO) as follows:

                  Musty Odor = .054        Sour Odor = .054        COFO = .075

               3  Safflower with (A) a test weight below 35 pounds per bushel;
               (B) a kernel damage percentage above 36 percent; and/or
               (C) the presence of substances or conditions identified by the Food
               and Drug Administration or other public health organizations of the
               United States as injurious to human or animal health; may be allowed
               a discount factor.  To determine the discount factor, the reduction in
               value (RIV) due to all covered quality deficiencies will be determined
               and that value will then be divided by the local market price*.  Discount
               factors included in sections 1 and 2 will not be used if production
               qualifies for adjustment under this section 3.


 1LO   2003    A  The RIV specified in section 3 will be limited to amounts that are
               usual, customary, and reasonable. If the RIV can be decreased by
               conditioning the production, the RIV after conditioning may be
               increased by the cost of conditioning, provided that the resulting RIV
               does not exceed the RIV before conditioning. No RIV will be accepted if
               it is due to (1) moisture content; (2) damage due to uninsured causes;
               or (3) drying, handling, processing, or any other costs associated with
               normal harvesting, handling, and marketing of the production.

               B  RIV's used will be those in the local market area in which you normally
               market the crop, to the extent feasible. If the RIV for a buyer located
               outside your local market area is less than the RIV in your local market
               area, then the RIV may be increased by the additional costs required to
               deliver the production to the buyer, provided that the resulting RIV
               does not exceed the RIV in your local market area. If the damaged
               production has been sold, the discount factor will be based upon the
               RIV's applied by the buyer unless it is determined that such RIV's are
               not usual, customary, and reasonable.

               C  For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such production
               in a manner which establishes a value.  In such cases, the value we agree
               to will be utilized in accordance with our approved procedures to determine
               the RIV for quality adjustment purposes according to section 3 herein.
               Only production qualifying under terms of this section 3 (a pre-established
               discount factor for at least one quality deficiency is not contained in
               the discount factor charts above) may be adjusted in this manner.
               Notwithstanding the first two sentences of this paragraph C, claims
               involving production containing levels of substances or having conditions
               that are injurious to human or animal health in excess of the maximum
               amounts allowed by the Food and Drug Administration, other public health
               organizations of the United States or agency of the appliciable State
               may not be settled until such production is sold, used, or destroyed.
               The value used to determine the RIV for such production will be the
               amount received for the production, or, if the production is used, the
               value you offer and we agree to.

               D  The RIV and local market price* will be determined on the earlier
               of the date such quality-adjusted production is sold or the date of final
               inspection for the unit.

               *  The "Local Market Price" as defined in the applicable crop provisions.

 1LP   2003    In addition to the provisions in paragraph 11(d)(2)(B) of the Sunflower
               Seed Crop Provisions, non-oil type sunflower production that has
               sclerotinia bodies over 1.0 percent will be eligible for quality
               adjustment.

               The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the number
               of pounds remaining after any reduction due to excessive moisture (in
               accordance with applicable crop provisions) to determine the net
               production to count.  Any grain which, due to insurable causes, has zero
               market value (net zero market value after consideration of additional costs
               to deliver damaged grain to a market of reasonable distance outside your
               local marketing area) will not be considered production to count if the
               production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for
               the respective types and levels of damage.  Additional costs to deliver
               grain outside your local market will be allowed only for types and levels
               of damage included in Section 8.

               1 Sunflower seed - Oil type will be discounted for grade as follows:

                 Grade                DF
                 U.S. Sample Grade   .218

               2 Sunflower seed - Oil type will be discounted for low test weight
                 as follows:

                 Test Weight Pounds DF   Test Weight Pounds  DF   Test Weight Pounds  DF
                   25 and above   None      20-20.99       .108  Below 17 - See Section 8
                   24-24.99       .022      19-19.99       .129
                   23-23.99       .043      18-18.99       .151
                   22-22.99       .065      17-17.99       .172
                   21-21.99       .086

               3 Sunflower seed - Oil type will be discounted for kernel damage
                 (excluding heat damage) as follows:

                  Kernel Damage %   DF     Kernel Damage %  DF   Kernel Damage %  DF
                   10 and below   None      13.01-14       .308   17.01-18        .497
                   10.01-11      .166       14.01-15       .355   Above 18 - See Section 8
                   11.01-12      .213       15.01-16       .402
                   12.01-13      .260       16.01-17       .449

               4 Sunflower seed - Oil type will be discounted for musty odor, sour odor,
                 and commercially objectionable foreign odor (COFO) as follows:

                 Musty odor = .054        Sour odor = .054      COFO = .075

               5 Sunflowers seed - Non-oil type will be discounted for low test weight as
                 follows:

                  Test Weight Pounds  DF  Test Weight Pounds  DF  Test Weight Pounds  DF
                    22 and above     None   18.00-18.49     .226  Below 17 - See Section 8
                    20.00-21.99      .054   17.50-17.99     .269
                    19.50-19.99      .097   17.00-17.49     .312
                    19.00-19.49      .140
                    18.50-18.99      .183

               6  Sunflower seed - Non-oil type will be discounted for sclerotinia
                  bodies as follows:

                  Sclerotinia bodies %          DF
                    1.0 and below              None
                    1.1 - 2.0                  .162
                    2.1 - 3.0                  .323
                    3.1 - 4.0                  .485
                    4.1 - 5.0                  .645
                    Above 5.0 - See section 8

               7 Sunflower seed - Non-oil type will be discounted for musty odor, sour
                 odor, and COFO as follows:

                 Musty odor = .054           Sour odor = .054         COFO = .075

 1LQ   2003    8 Sunflower seed with (A) a test weight below 17 pounds per bushel for
                 oil type and non-oil type; (B) a kernel damage percentage above 18
                 percent for oil type; (C) a kernel damage percentage above 5 percent
                 for non-oil type; (D) a sclerotinia bodies percentage above 5 percent
                 for non-oil type; (E) the presence of substances or conditions
                 identified by the Food and Drug Administration or other public health
                 organizations of the United States as injurious to human or animal
                 health; may be allowed a discount factor.  To determine the discount
                 factor, the reduction in value (RIV) due to all covered quality
                 deficiencies will be determined and that value will then be divided by
                 the local market price*.  Discount factors included in sections 1, 2, 3,
                 4, 5, 6 and 7 will not be used if production qualifies for adjustment
                 under this section 8.

               A The RIV specified in section 8 will be limited to amounts that are
                 usual, customary, and reasonable.  If the RIV can be decreased by con-
                 ditioning the production, the RIV after conditioning may be increased by
                 the cost of conditioning, provided that the resulting RIV does not exceed
                 the RIV before conditioning.  No RIV will be accepted if it is due to (1)
                 moisture content; (2) damage due to uninsured causes; or (3) drying,
                 handling, processing, or any other costs associated with normal harvest-
                 ing, handling, and marketing of the production.

               B RIV's used will be those in the local market area in which you normally
                 market the crop, to the extent feasible.  If the RIV for a buyer located
                 outside your local market area is less than the RIV in your local market
                 area, then the RIV may be increased by the additional costs required to
                 deliver the production to the buyer, provided that the resulting RIV does
                 not exceed the RIV in your local market area.  If the damaged production
                 has been sold, the discount factor will be based upon the RIV's applied
                 by the buyer unless it is determined that such RIV's are not usual,
                 customary and reasonable.

               C For production we determine has no value in and outside your local market
                 area, you may offer a value or may intend to utilize such production in
                 a manner which establishes a value. In such cases, the value we agree
                 to will be utilized in accordance with our approved procedures to
                 determine the RIV for quality adjustment purposes according to section 8
                 herein. Only production qualifying under the terms of this section 8
                 (a pre-established discount factor for at least one quality deficiency
                 is not contained in the discount factor charts above) may be adjusted
                 in this manner. Notwithstanding the first two sentences of this
                 paragraph C, claims involving production containing levels of substances
                 or having conditions that are injurious to human or animal health
                 in excess of the maximum amounts allowed by the Food and Drug
                 Administration, other public health organizations of the United States
                 or agency of the   applicable State may not be settled until such
                 production is sold, used, or destroyed. The value used to determine
                 the RIV for such production will be the amount received for the
                 production, or, if the production is used, the value you offer and we
                 agree to.

               D The RIV and local market price* will be determined on the earlier of the
                 date such quality-adjusted production is sold or the date of final
                 inspection for the unit.

                 * The "Local Market Price" as defined in the applicable crop provisions.

 1OY   1999    Conversion factors to be used in accordance with the provisions of the
               insurance policy for adjusting threshed production of dry beans:
                 Section I.        CLASS OF BEANS                GRADE           FACTOR
                                   Cranberry                   U.S. No. 3         .94
                                   Black Turtle Soup           U.S. No. 3         .94
                                   Dark Red Kidney             U.S. No. 3         .94
                                   Light Red Kidney            U.S. No. 3         .94
                                   Pinto                       U.S. No. 3         .94
                                   Great Northern              U.S. No. 3         .94
                                   Yelloweye                   U.S. No. 3         .94
                                   Small White                 U.S. No. 3         .94
                                   Small Red                   U.S. No. 3         .94

                 Section II.       Pea and Medium White
                    Percent of Pick      Factor           Percent of Pick        Factor
                            5             .98                    13               .80
                            6             .96                    14               .78
                            7             .94                    15               .76
                            8             .91                    16               .74
                            9             .89                    17               .72
                           10             .86                    18               .70
                           11             .84                    19               .68
                           12             .82                    20               .67

 1OZ   2002    Conversion factors to be used in accordance with the provisions of the
               insurance policy for adjusting threshed production of dry beans:
                 Section I.        CLASS OF BEANS                GRADE           FACTOR
                                   Cranberry                   U.S. No. 3         .94
                                   Black Turtle Soup           U.S. No. 3         .94
                                   Dark Red Kidney             U.S. No. 3         .94
                                   Light Red Kidney            U.S. No. 3         .94
                                   Pinto                       U.S. No. 3         .94
                                   Tebo                        U.S. No. 3         .94
                                   Great Northern              U.S. No. 3         .94
                                   Yelloweye                   U.S. No. 3         .94
                                   Small White                 U.S. No. 3         .94
                                   Small Red                   U.S. No. 3         .94

                 Section II.       Pea and Medium White
                    Percent of Pick      Factor           Percent of Pick        Factor
                            5             .98                    13               .80
                            6             .96                    14               .78
                            7             .94                    15               .76
                            8             .91                    16               .74
                            9             .89                    17               .72
                           10             .86                    18               .70
                           11             .84                    19               .68
                           12             .82                    20               .67

 1P8   1997    There is no cancellation date since this is not a continuous crop policy.

 1S4   1998      **Fall Direct Seeding Period - July 1 through August 20.

 1S5   1998      **Fall Transplanting Period - August 1 through September 20.

 1UK   2003    Insurance will not attach to any acreage on which dry beans, sunflowers,
               soybeans, rape, canola, or mustard were planted the preceding crop year.

 1XP   2003    The established price election available for this county crop program will be
               released as an Actuarial Table Addendum (Special Provisions) prior to the
               policy contract change date.  A market price election, if applicable, will be
               released prior to the sales closing date.

 1YY   2002    Insurance will not attach to any acreage on which potatoes were planted
               in either of the two preceding crop years or dry beans, soybeans,
               or sunflowers were planted the preceding year.

 27R   1997
                 The calendar date for the end of the insurance period for
                 Green Bartlett, Red Bartlett, and Star Crimson (Crimson Red)
                 is September 15.  For all other types, the end of insurance
                 period is October 15.

 2A3   2003    There is a one year lag period in reporting production.  Production
               reports through the 2000 crop year are required for the 2002 crop year.

 2A7   2003    For the 2003 and subsequent crop years, catastrophic risk protection
               equals 27.5 percent of your approved average revenue.

 2AA   2003    In accordance with Section 6 (d) of the Cherry Crop Provisions, the insured
               crop will be sweet cherries grown on acreage that has produced at least 4,000
               pounds per acre in one of the three previous crop years.  Acceptable
               supporting documentation of previous production includes receipts from buyers
               showing quantities delivered, daily records of harvest or direct sales, and
               preharvest estimates of production certified by third parties.  No minimum
               tree age is required.

 2AB   2003    Insurable crop: In accordance with Section 6(c) of the Cherry Crop
               Provisions, non-irrigated acreage may be insurable only by written
               agreement.  The non-irrigated acreage must meet the same minimum age
               and production requirements as specified for irrigated acreage in the
               Special Provisions.  Contact your crop insurance agent by the sales
               closing date to determine eligibility requirements.

 2AC   2003    Insurable crop: In accordance with Section 6(d) of the Cherry Crop
               Provisions, the insured crop will be sweet cherries grown on acreage
               that has produced at least 4,000 pounds per acre in one of the five
               previous crop years immediately preceding the insured crop year,
               unless inspected and otherwise determined uninsurable.  No minimum
               tree age is required.

 2AD   2003    Insurable crop: In accordance with Section 6(d) of the Cherry Crop
               Provisions, acreage of cherry trees which, after being set out or
               grafted, has completed four growing seasons and has produced at least
               4,000 pounds of fruit per acre (4,000 pounds prorated if less than one
               acre) during one of the three crop years immediately preceding the
               insured crop year, unless inspected and otherwise determined uninsurable.
               For the year of set out or grafting to be counted as a completed growing
               season, setting out or grafting must occur prior to July 1.

 2AE   2003    Allowable Cost:  In accordance with Section 1 of the Strawberry Crop
               Provisions, the allowable cost is $0.20 per pound.  Allowable cost does
               not apply to direct marketed production in which the general public is
               permitted to enter the field for the purpose of picking the crop.

 2AF   2003    Winter Type 211 Minimum Value:  The minimum value to be used for harvested
               and appraised production is $0.20 per pound.

 2AG   2003    Summer Type 212 Minimum Value:  The minimum value to be used for harvested
               and appraised production is $0.80 per pound.

 2AH   2003    Minimum Prior Production:  In accordance with Section 6(a)(8), the
               insured crop must be grown by a person who produced at least 8,000
               pounds of strawberries per planted acre in at least one of the three
               previous crop years.


 2AI   2003    Winter Type 211 Minimum Value Option:  If you selected Option I of the
               Modified Minimum Value Option, the minimum value option price is $0.10
               per pound.  If you selected Option II of the Modified Minimum Value Option,
               the minimum value option price is $0.05 per pound.


 2AJ   2003    LIMITS ON AMOUNT OF INSURANCE:  In accordance with Section 3 (c) of
               the Strawberry Crop Provisions, we will limit your guarantee (amount
               of insurance) based on your prior production as follows:
               1.  If you have produced at least 24,000 pounds per acre in one of the
                   most recent three years, you may purchase an amount of insurance
                   equal to any of the fixed dollar amounts of insurance shown on the
                   actuarial documents.

               2.  If your highest level of production per acre in one of the most
                   recent three years has been less than 24,000 pounds but greater
                   than 8,000 pounds, you may purchase an amount of insurance equal
                   to any of the fixed dollar amounts of insurance shown on the
                   actuarial documents times your highest per acre production divided
                   by 24,000.

 2AK   2003    LIMITS ON AMOUNT OF INSURANCE:  In accordance with Section 3 (c) of the
               Strawberry Crop Provisions, we will limit your guarantee (amount of insurance)
               based on your prior production as follows:
               1.  If you have produced at least 55,000 pounds per acre in one of the most
                   recent three years, you may purchase an amount of insurance equal to any
                   of the fixed dollar amounts of insurance shown on the actuarial documents.

               2.  If your highest level of production per acre in one of the most recent
                   three years has been less than 55,000 pounds but greater than 18,000
                   pounds, you may purchase an amount of insurance equal to any of the fixed
                   dollar amounts of insurance shown on the actuarial documents times your
                   highest per acre production divided by 55,000.

 2AL   2003    Summer Type 212 Minimum Value Option:  If you selected Option I of the
               Modified Minimum Value Option, the minimum value option price is $0.40
               per pound.  If you selected Option II of the Modified Minimum Value
               Option, the minimum value option price is $0.20 per pound.

 2AM   2003    Cultural Requirements:  In accordance with Section 6(a)(5)of the Strawberry
               Crop Provisions, the cultural requirements for insurability are:
               1.  Soil Fumigation:
                   A.  With a mixture of no more than 75 percent methyl bromide and no less
                       than 25 percent chloropicrin, unless restricted by the proximity
                       of residential areas to the field:
                       (1) Applied at a minimum rate of 250 pounds per acre for bed
                           fumigation and 300 pounds per acre for field
                           fumigation; and
                       (2) Completed at least 4 weeks and no more than 6 months prior to
                           planting.
                   B.  Other soil sterilization techniques can satisfy this requirement
                       if tested, shown to be effective, and applied according to
                       recommendations of the University of California Cooperative Extension
                       (UCCE)Service.
               2.  Planting beds must be raised at least six (6) inches.
               3.  Initial plant density must be at least 20,000 viable plants per acre.
               4.  All transplants must satisfy the requirements of the Strawberry
                   Certification Program administered by the California Department of
                   Food and Agriculture.
               5.  Plastic (polyethylene) mulch must be applied to the planting beds
                   by January 1 or as recommended by the UCCE Service for the location and
                   planting system.


 2AN   2003    Cultural Requirements:  In accordance with Section 6(a)(5)of the Strawberry
               Crop Provisions, the cultural requirements for insurability are:
               1.  Soil Fumigation:
                   A.  With a mixture of no more than 75 percent methyl bromide and no less
                       than 25 percent chloropicrin, unless restricted by the proximity
                       of residential areas to the field:
                       (1) Applied at a minimum rate of 250 pounds per acre for bed
                           fumigation and 300 pounds per acre for field
                           fumigation; and
                       (2) Completed at least 2 weeks and no more than 16 months prior to
                           planting.
                   B.  Other soil sterilization techniques can satisfy this requirement
                       if tested, shown to be effective,  and applied according to
                       recommendations of the University of California Cooperative Extension
                       (UCCE)Service.
               2.  Planting beds must be raised at least six (6) inches.
               3.  Initial plant density must be at least 12,000 viable plants per acre.
               4.  All transplants must satisfy the requirements of the Strawberry
                   Certification Program administered by the California Department of
                   Food and Agriculture.
               5.  Plastic (polyethylene) mulch must be applied to the planting beds
                   by March 1 or as recommended by the UCCE Service for the location and
                   planting system.

 2AO   2003    Standards for Grades:  In accordance with Section 1 of the Strawberry
               Crop Provisions, marketable production would meet the requirements for
               U.S. No.1 grade, as described in U.S. Standards for Grades of Growers'
               Stock Strawberries for Manufacture, and be accepted by a processor or
               other buyer in the area.

 2AP   2003    Standards for Grades:  In accordance with Section 1 of the Strawberry
               Crop Provisions, marketable production would meet the requirements for
               U.S. No.1 grade, as described in U.S. Standards for grades of Strawberries,
               and be accepted by a shipper in the area.

 2AQ   2003    Picking Factors and Estimated Production:  In accordance with Section 1
               and 11(c)(4), of the Strawberry Crop Provisions, the picking factors and
               estimated pounds of strawberries per picking are as follows:

               Type                       Harvest               Picking          Estimated
                                           Dates                Factors          Pounds Per
                                                                                  Picking
                                                                                 (Per Acre)
               Summer Planting     October 10 - November 10        5                 100
               Summer Planting     April 1 - April 30              5               1,100
               Summer Planting     May 1 - May 31                  4               1,400
               Summer Planting     June 1 - June 30                5               1,121


 2AR   2003    Picking Factors and Estimated Production:  In accordance with Section 1
               and 11(c)(4), of the Strawberry Crop Provisions, the picking factors and
               estimated pounds of strawberries per picking are as follows:

               Type                       Harvest               Picking          Estimated
                                           Dates                Factors          Pounds Per
                                                                                  Picking
                                                                                 (Per Acre)
               Summer Planting     October 10 - November 10        5                 100
               Summer Planting     April 1 - April 30              5               1,100
               Summer Planting     May 1 - May 31                  4               1,400
               Summer Planting     June 1 - June 30                5               1,121


 2AS   2003    Picking Factors and Estimated Production: In accordance with Section 1 and
               11(c)(4), of the Strawberry Crop Provisions, the picking factors and
               estimated pounds of strawberries per picking are as follows:

               Type                       Harvest               Picking         Estimated
                                           Dates                Factors        Pounds Per
                                                                                Picking
                                                                               (Per Acre)

               Winter Planting     March 1 - March 31              5                 600
               Winter Planting     April 1 - April 30              4               1,400
               Winter Planting     May 1 - May 31                  3               2,200
               Winter Planting     June 1 - June 30                4               2,000
               Winter Planting     July 1- July 31                 4                 633

 2AU   2003    Winter Type 211 Minimum Prior Production:  In accordance with Section
               6(a)(8), the insured crop must be grown by a person who produced at
               least 20,000 pounds of strawberries per planted acre in at least one of
               the three previous crop years.


 2AV   2003    Summer Type 212 Minimum Prior Production:  In accordance with Section
               6(a)(8), the insured crop must be grown by a person who produced at
               least 5000 pounds of strawberries per planted acre in at least one of
               the three previous crop years.


 2AW   2003    Winter Type 211 - LIMITS ON AMOUNT OF INSURANCE:  In accordance with
               Section 3 (c) of the Strawberry Crop Provisions, we will limit your
               guarantee (amount of insurance) based on your prior production as follows:
               1.  If you have produced at least 60,000 pounds per acre in one of the
                   most recent three years, you may purchase an amount of insurance equal
                   to any of the fixed dollar amounts of insurance shown on the actuarial
                   documents.

               2.  If your highest level of production per acre in one of the most recent
                   three years has been less than 60,000 pounds but greater than 20,000
                   pounds, you may purchase an amount of insurance equal to any of the
                   fixed dollar amounts of insurance shown on the actuarial documents
                   times your highest per acre production divided by 60,000.

 2AX   2003    Summer Type 212 - LIMITS ON AMOUNT OF INSURANCE:  In accordance with
               Section 3 (c) of the Strawberry Crop Provisions, we will limit your
               guarantee (amount of insurance) based on your prior production as follows:
               1.  If you have produced at least 15,000 pounds per acre in one of the
                   most recent three years, you may purchase an amount of insurance equal
                   to any of the fixed dollar amounts of insurance on the actuarial
                   documents.

               2.  If your highest level of production per acre in one of the most recent
                   three years, has been less than 15,000 pounds but greater than 5,000
                   pounds, you may purchase an amount of insurance equal to any of the
                   fixed dollar amounts of insurance shown on the actuarial documents
                   times your highest per acre production divided by 15,000.

 2AY   2003    Winter Type 211 Picking Factors and Estimated Production: In accordance
               with Section 1 and 11(c)(4), of the Strawberry Crop Provisions, the picking
               factors and estimated pounds of strawberries per picking are as follows:

               Type                       Harvest               Picking          Estimated
                                           Dates                Factors         Pounds Per
                                                                                  Picking
                                                                                (Per Acre)
               Winter Planting     January 1 - January 31          5                 400
               Winter Planting     February 1 - February 28        5                 600
               Winter Planting     March 1 - March 31              4               1,800
               Winter Planting     April 1 - April 30              3               2,400
               Winter Planting     May 1 - May 31                  4               1,800
               Winter Planting     June 1- June 30                 4                 574

 2AZ   2003    Summer Type 212 Picking Factors and Estimated Production: In accordance
               with Section 1 and 11(c)(4), of the Strawberry Crop Provisions, the picking
               factors and estimated pounds of strawberries per picking are as follows:

               Type                       Harvest               Picking          Estimated
                                           Dates                Factors         Pounds Per
                                                                                  Picking
                                                                                (Per Acre)
               Summer Planting     September 1- September 30       5                 100
               Summer Planting     October 1 - October 31          5               1,100
               Summer Planting     November 1 - November 30        5               1,100
               Summer Planting     December 1 - December 31        6                 288

 2B2   2003    For the Minnesota counties of (049) Goodhue, (109) Olmsted, (157) Wabasha
               and (169) Winona, the tenderometer reading or sieve size used to
               determine the processor contract price shall be:
               "115" Tenderometer Reading for Early Season Types.
               "110" Tenderometer Reading for Mid Season and Late Season Types.
               " 3 " Sieve Size for Early Season Types.
               " 4 " Sieve Size for Mid Season and Late Season Types.

               For all other Minnesota counties, the tenderometer reading used to
               determine the processor contract price shall be:
               "115" Tenderometer Reading for Early Season Types.
               "110" Tenderometer Reading for Mid Season and Late Season Types.

               If the processor contract provides a fixed price without regard to
               tenderometer reading or sieve size, such fixed price will be considered
               the processor contract price.

 2B3   2003    For the Wisconsin counties of Brown (009), Door (029), Kewaunee (061),
               Manitowoc (071), Oconto (083), Outagamie (087), Ozaukee (089),
               Shawano (115), Sheboygan (117), and Waupaca (135), the tenderometer
               or sieve size used to determine the processor contract price shall be:
               "115" Tenderometer Reading for Early Season Types.
               "110" Tenderometer Reading for Mid Season and Late Season Types.
               " 3 " Sieve Size for Early Season Types.
               " 4 " Sieve Size for Mid Season and Late Season Types.

               For all other Wisconsin counties, the tenderometer reading used to
               determine the processor contract price shall be:
               "115" Tenderometer Reading for Early Season Types.
               "110" Tenderometer Reading for Mid Season and Late Season Types.

               If the processor contract provides a fixed price without regard to
               tenderometer reading or sieve size, such fixed price will be
               considered the processor contract price.

 2B4   1998    For Lewis (061) and Nez Perce (069) counties in Idaho, the
               tenderometer reading or sieve size used to determine the processor
               contract price shall be:
               "105" Tenderometer Reading for All Types.
               " 4 " Sieve Size for All Types.

               If the processor contract provides a fixed price without regard to
               tenderometer reading or sieve size, such fixed price will be
               considered the processor contract price.

               For Blaine (013), Cassia (031), Jerome (053), Lincoln (063), Minidoka (067
               and Twin Falls (083) counties in Idaho, the tenderometer reading used to
               determine the processor contract price shall be "110" tenderometer reading
               corresponding to the non-superearly varieties.

               If the processor contract provides a fixed price without regard to
               tenderometer reading, such fixed price will be considered the processor
               contract price for all types.

 2B6   1997    For Hartford county (025), Maryland, the tenderometer reading used
               to determine the processor contract price shall be :  "110" Tenderometer
               Reading for All Types.

               For all other counties in Maryland, the tenderometer reading used to
               determine the processor contract price shall be:  "125" Tenderometer
               Reading for All Types.

               If the processor contract provides a fixed price without regard to
               tenderometer reading, such fixed price will be considered the processor
               contract price.

 2B9   2002    The additional value price per bushel for Option A of the Income Protection
               Barley Malting Barley Price and Quality Endorsement is as follows:

               $0.52  Minnesota, North Dakota, South Dakota
               $0.85  Idaho, Montana, Oregon, Washington

 2BC   2003    In addition to Section 6(a) of the Forage Production Crop Provisions,
               we will only insure forage planted for harvest.

 2BD   2003    Insurance coverage provided by the Forage Production Crop Provisions will
               continue for acreage that is grazed after it has gone into winter dormancy,
               defined as the suspension of growth and development of the alfalfa plants
               during fall and winter months.  Producers must remove all livestock prior
               to the emergence of the forage from winter dormancy.

 2BE   2003    ADEQUATE STAND REQUIRED living alfalfa plants per square foot, by type,
               for each year after the year of establishment. Any acreage of alfalfa or
               alfalfa grass mixture type with an adequate stand will only be insurable
               as the type shown for the applicable years after year of establishment.

                                  1st     2nd     3rd     4th      5th     6th     7th
                                  Year    Year    Year    Year     Year    Year    Year
               --------------------------------------------------------------------------------

               Alfalfa/Irr        6.0     4.0     3.0     3.0      3.0       *        *
                                  &above  &above  &above  &above   &above
               --------------------------------------------------------------------------------

               Alfalfa Grass      2.5     1.7     1.2     1.2      1.2     1.2      1.2
               Mixture/Irr     to 5.9  to 3.9  to 2.9  to 2.9   to 2.9     &above   &above
               --------------------------------------------------------------------------------

               Alfalfa            4.8     3.2     2.4      *        *      **       **
               Non-Irr            &above  &above  &above
               --------------------------------------------------------------------------------

               Alfalfa Grass      2.0     1.3     1.0     1.0      1.0     **       **
               Mixture         to 4.7  to 3.1  to 2.3     &above   &above
               Non-Irr
               --------------------------------------------------------------------------------

               Grass              ***     0.2     0.2     0.2      0.2     0.2      0.2****
               Alfalfa                 to 1.2  to 0.9  to 0.9   to 0.9     &above   &above
               Mixture
               Non-Irr

               *   Overage stands are not insurable as the Alfalfa type and must be
                   insured as the Alfalfa Grass Mixture type.
               **  Overage stands are not insurable as the Alfalfa type or Alfalfa Grass
                   Mixture type and must be as insured Grass Alfalfa Mixture type.
               *** Insurance does not attach until second year after year of establishment.
               ****Any acreage of Grass Alfalfa Mixture type with an adequate stand will
                   only be insurable as the Grass Alfalfa Mixture type for the second and
                   succeeding crop years after the year of establishment. No maximum age
                   limitation applies. The Grass Alfalfa Mixture type includes all
                   non-irrigated Alfalfa and Alfalfa Grass Mixtures the eighth and
                   succeeding years after year of establishment, as long as there are at
                   least 0.2 living alfalfa plants
                   per square foot.

 2BF   2003    We will consider the practice of planting of a "cover crop" improperly
               performed when destruction of the cover crop is later than May 20 for
               Fall cover crops and May 30 for Spring cover crops.  Production lost
               as a result of this practice being improperly performed will be recorded
               as an "appraisal for uninsured cause" on the claim form.

 2BG   2003    ADEQUATE STAND REQUIRED: living alfalfa plants per square foot, by type,
               for each year after the year of establishment. Any acreage of alfalfa or
               alfalfa grass mixture type with an adequate stand will only be insurable
               as the type shown for the applicable years after year of establishment.

                                  1st     2nd     3rd      4th      5th     6th     7th
                                  Year    Year    Year     Year     Year    Year    Year
               ---------------------------------------------------------------------------
               Alfalfa/Irr        9.0      6.0     4.5     4.5      4.5       *        *
                                  &above  &above  &above   &above   &above
               ---------------------------------------------------------------------------
               Alfalfa Grass
               Mixture/Irr        3.0      2.0     1.5     1.5      1.5     1.5      1.5
                               to 8.9   to 5.9  to 4.4  to 4.4   to 4.4     &above   &above
               ---------------------------------------------------------------------------
               Alfalfa/Non-Irr    6.0      4.0     3.0       *        *       **       **
                                  &above   &above  &above
               ---------------------------------------------------------------------------
               Alfalfa Grass
               Mixture/Non-Irr    2.0      1.3     1.0     1.0      1.0       **       **
                               to 5.9   to 3.9  to 2.9     &above   &above
               ---------------------------------------------------------------------------
               Grass Alfalfa      ***      0.2     0.2     0.2      0.2     0.2      0.2****
               Mixture/Non-Irr             1.2     0.9     0.9      0.9     &above   &above

               *   Overage stands are not insurable as the Alfalfa type and must be
                   insured as the Alfalfa Grass Mixture type.
               **  Overage stands are not insurable as the Alfalfa type or Alfalfa Grass
                   Mixture type and must be as insured Grass Alfalfa Mixture type.
               *** Insurance does not attach until second year after year of establishment.
               ****Any acreage of Grass Alfalfa Mixture type with an adequate stand will
                   only be insurable as the Grass Alfalfa Mixture type for the second and
                   succeeding crop years after the year of establishment. No maximum age
                   limitation applies. The Grass Alfalfa Mixture type includes all
                   non-irrigated Alfalfa and Alfalfa Grass Mixtures the eighth and
                   succeeding years after year of establishment, as long as there are at
                   least 0.2 living alfalfa plants per square foot.


 2BH   2003    ADEQUATE STAND REQUIRED living alfalfa plants per square foot, by type,
               for each year after the year of establishment. Any acreage of alfalfa or
               alfalfa grass mixture type with an adequate stand will only be insurable
               as the type shown for the applicable years after year of establishment.

                                  1st     2nd     3rd      4th      5th     6th    7th
                                  Year    Year    Year     Year     Year    Year   Year
               ---------------------------------------------------------------------------
               Alfalfa/Irr        9.0      6.0     4.5     4.5      4.5       *      *
                                  &above  &above  &above   &above   &above
               ---------------------------------------------------------------------------
               Alfalfa Grass
               Mixture/Irr        3.8      2.5     1.9     1.9      1.9     1.9     1.9
                               to 8.9   to 5.9  to 4.4  to 4.4   to 4.4     &above  &above
               ---------------------------------------------------------------------------
               Alfalfa/Non-Irr    7.5      5.0     3.8       *        *       **       **
                               &above   &above   &above
               ---------------------------------------------------------------------------
               Alfalfa Grass      3.2      2.1     1.6     1.6      1.6       **       **
               Mixture/Non-Irr to 7.4   to 4.9  to 3.7     &above   &above

               --------------------------------------------------------------------------
               Grass Alfalfa      ***      0.2     0.2     0.2      0.2     0.2     0.2****
               Mixture/Non-Irr          to 2.0  to 1.5  to 1.5   to 1.5     &above &above

               *   Overage stands are not insurable as the Alfalfa type and must be
                   insured as the Alfalfa Grass Mixture type.
               **  Overage stands are not insurable as the Alfalfa type or Alfalfa Grass
                   Mixture type and must be insured as Grass Alfalfa Mixture type.
               *** Insurance does not attach until second year after year of establishment.
               ****Any acreage of Grass Alfalfa Mixture type with an adequate stand will
                   only be insurable as the Grass Alfalfa Mixture type for the second and
                   succeeding crop years after the year of establishment. No maximum age
                   limitation applies. The Grass Alfalfa Mixture type includes all
                   non-irrigated Alfalfa and Alfalfa Grass Mixtures the eighth and
                   succeeding years after year of establishment, as long as there are at
                   least 0.2 living alfalfa plants per square foot.

 2BI   2003    In lieu of Section 7 (b) of the Forage Seeding Crop Provisions, the crop
               insured will be all the forage in the county for which a premium rate is
               provided by the actuarial documents that is planted during the current
               crop year, or replanted during the calendar year following planting,
               to establish a normal stand of forage intended for harvest.

 2BK   2003    ADEQUATE STAND REQUIRED living alfalfa plants per square foot, by type,
               for each year after the year of establishment. Any acreage of alfalfa or
               alfalfa grass mixture type with an adequate stand will only be insurable
               as the type shown for the applicable years after year of establishment.

                                  1st     2nd     3rd      4th      5th      6th     7th
                                  Year    Year    Year     Year     Year     Year    Year
               ---------------------------------------------------------------------------
               Alfalfa/Irr        6.0      4.0     3.0     3.0      3.0       *      *
                                  &above  &above  &above   &above   &above
               ---------------------------------------------------------------------------
               Alfalfa Grass
               Mixture/Irr        2.5      1.7     1.2     1.2      1.2      1.2    1.2
                               to 5.9   to 3.9  to 2.9  to 2.9   to 2.9      &above &above
               ---------------------------------------------------------------------------

               * Overage stands are not insurable as the Alfalfa type and must be insured
               as the Alfalfa Grass Mixture type.

 2BM   2003    NOTE: The acreage report is due May 22 for spring planted acreage
               following the year of seeding for Alfalfa or Alfalfa Grass Mixture.

 2BN   2003    In lieu of the definition of  "Catastrophic risk protection" contained
               in section 1 of the Group Risk Plan of Insurance Basic Provisions, the
               definition of Catastrophic risk protection will be as follows:

               Catastrophic risk protection - The minimum level of coverage offer by FCIC.
               For GRP, an amount of protection equal to 65 percent of the expected county
               yield indemnified at 45 percent of the maximum protection per acre specified
               in the actuarial documents for the crop, practice and type.

 2BP   2003    Insurance will not attach to any acreage on which potatoes were planted the
               preceding crop year except for the following islands and tracts located in
               the Delta area: That portion of ''Staten Island located in Township 3N,
               all of Terminous Island, Bouldin Island, Upper and Lower Jones Tract,
               Shima Tract, King Island, Empire Tract, Mandeville Island, McDonald Tract,
               Rindge Tract, Bacon Island and the portion of Roberts Island west of Inland
               Drive and the portion of Victoria Island north of Highway 4.



 2BT   2003    In lieu of the definition of type in section 1 of the Pilot Mint Crop
               Provisions, types will be defined as peppermint, native spearmint, and
               scotch spearmint.


 2BW   2003    In lieu of section 2, Unit Division, of the Pilot Mint Crop Provisions,
               all acreage of spearmint will be one basic unit.



 2BX   2003    ** Includes insured winter wheat acreage subsequently reseeded to spring
               wheat for the irrigated practice only.

 2CA   2002    Insurance will not attach to any acreage on which dry beans, canola,
               crambe, chickpeas, dry peas (including lentils), mustard, rapeseed,
               soybeans, safflowers or sunflowers have been planted in the preceding
               crop year.

               A crop which was planted and then all plant growth is terminated prior
               to the acreage reporting date, will not be considered planted for rotational
               purposes ONLY.  The insured is responsible to provide proof of insurability.

 2CB   2002    Insurance shall not attach to any acreage on which dry beans, canola,
               chickpeas, crambe, dry peas (including lentils), mustard, rapeseed,
               safflowers, soybeans or sunflowers have been planted in either of the
               two preceding crop years.

               A crop which was planted and then all plant growth is terminated prior to
               the acreage reporting date, will not be considered planted for rotational
               purposes ONLY.  The insured is responsible to provide proof of insurability.

 2CC   2002    Insurance will not attach to any acreage on which canola, crambe, chickpeas,
               dry beans, dry peas (including lentils), mustard, rapeseed, safflower,
               soybeans, or sunflowers have been planted in either of the preceding two
               crop years (three year rotation) with the exception below:

               In a two year rotation, canola, crambe, chickpeas, dry beans, dry peas
               (including lentils), mustard, rapeseed, safflower, soybeans, or sunflowers
               cannot have been planted in the preceding crop year and a blackleg resistant
               variety (MR-R) must be planted with the insured providing proof of variety
               by the acreage reporting date.  A rate surcharge (CR) will apply.

               A crop which was planted, and then all plant growth is terminated prior
               to the Acreage Reporting Date, will not be considered planted for rotational
               purposes ONLY.  The insured is responsible to provide proof of insurability.



 2CD   2002    Insurance will not attach to any acreage on which crambe, mustard, canola,
               chickpeas, dry beans, dry peas (including lentils), rapeseed, safflowers,
               soybeans or sunflowers have been planted in either of the two preceding crop
               years.

               A crop which was planted and then all plant growth is terminated prior to
               the acreage reporting date, will not be considered planted for rotational
               purposes ONLY.  The insured is responsible to provide proof of insurability.


 2CE   2002    Insurance will not attach to any Irrigated and/or IBR acreage on which
               sunflowers, canola, chickpeas, crambe, dry beans, dry peas (including
               lentils), mustard, rapeseed, safflowers, or soybeans have been planted
               in the preceding crop year.

               Insurance will not attach to any NIBR acreage on which sunflowers, canola,
               chickpeas, crambe, dry beans, dry peas, (including lentils), mustard,
               rapeseed, safflowers, or soybeans have been planted in either of the two
               preceding crop years.

               A crop which was planted and then all plant growth is terminated prior to the
               acreage reporting date, will not be considered planted for rotational purposes
               ONLY.  The insured is responsible to provide proof of insurability

 2CF   2003    The tenderometer reading used to determine the processor contract price
               shall be:
               "115" Tenderometer Reading for Early Season Types.
               "110" Tenderometer Reading for Mid Season and Late Season Types.

               If the processor contract provides a fixed price without regard to
               tenderometer reading, such fixed price will be considered the processor
               contract price.

 2CH   2002    For the NIBR practices the Approved Black Turtle Soup Varieties are:
                                                       Black Magic
                                                       Domino
                                                       Midnight
                                                       Onyx
                                                       Panther
                                                       T-39
                                                       UI-906
                                                       Shadow
                                                       UI-911
                                                       A.C. Harblack
               Varieties not approved above will be insurable only by written agreement.
               Requests for written agreements must be signed by you and submitted to
               your crop insurance agent by the sales closing date.




 2CK   2003    Variety under "other" does not include interspecific plums (pluot) and
               plum x 'cot hybrid (plumcot).  These varieties are not recognized by the
               California Tree Fruit Agreement and therefore not insurable.



 2CL   2003    Allowable Cost:  In accordance with Section 1 of the Strawberry Crop
               Provisions, the allowable cost is $0.30 per pound. Allowable cost does
               not apply to direct marketed production in which the general public is
               permitted to enter the field for the purpose of picking the crop.

 2CO   1998    ****Early Golden and White includes yellow varieties requiring 76
               or fewer days to maturity and white varieties.

 2CR   2003    Insurance will not attach to any acreage on which Blackleg or Black Rot
               was present in any of the previous four years.

 2CS   2003    In addition to the requirements of section 11(b) of the Processing Chile
               Pepper Pilot Provisions, we will not insure Type(202) Long Red New
               Mexican on acreage that has been contracted to be grown for Type(201)
               Long Green New Mexican.

 2CT   2003    ****Other Golden includes yellow varieties requiring 77 or more days
               maturity.

 2CW   2003    In accordance with section 8(c) of the Pilot Processing Cucumber Crop
               Provisions, processor contracts that stipulate the grower will deliver or
               the processor will accept a minimum amount of production, and that also
               stipulate a minimum acreage requirement, will be considered processing
               contracts that stipulate an amount of production to be delivered.

 2CX   2003    Allowable cost for harvested production will be $0.18 per pound
               for Sweet Cherries (does not apply to U-Pick production).

 2DA   2003    Insurance will cease on any clams remaining on the lease on the fourth
               anniversary of their seeding date.

 2DB   2003    Protective netting must be maintained on the raceways until such time as
               70 percent or more of the clams have reached a size of 35mm or greater.
               Netting may then be removed without violating Section 8(e) of the Cultivated
               Clam Pilot Crop Insurance Provisions.

 2DD   2003    ****Early Varieties include:  Dr. Dupuis, Simmonds, Pollock, Hardee, Nadir,
               Ruehle, Arue, Donnie, Fuchs, K-5, Gorham, Biondo, Peterson, 232, Pinelli,
               Trap, Bernecker, Miguel, Nesbitt, Tonnage, Waldin, Tower 2, Beta, Lisa, K-9,
               Christina, and Catalina.

 2DE   2003    AGE LIMITATION:  In accordance with Section 7(c)(4) of the crop provisions,
               acreage of alfalfa seed will not be insurable beyond the earlier of the
               originator's stipulated maximum age of stand for the applicable variety or
               the sixth and succeeding crop years after the crop year of initial seeding,
               unless otherwise agreed in writing by us.

 2DF   2003    For the purpose of section 8(c) of the crop provisions, the expected yield
               for determining the maximum insurable acreage under a processing contract
               that stipulates an amount of production to be delivered will be 225 bushels
               per acre.

 2DG   2003    For the purpose of section 8(c) of the crop provisions, the expected yield
               for determining the maximum insurable acreage under a processing contract
               that stipulates an amount of production to be delivered will be 128 bushels
               per acre.

 2DH   2003    For the purpose of section 8(c) of the crop provisions, the expected yield
               for determining the maximum insurable acreage under a processing contract
               that stipulates an amount of production to be delivered will be 153 bushels
               per acre.

 2DI   2003    For the purpose of section 8(c) of the crop provisions, the expected yield
               for determining the maximum insurable acreage under a processing contract
               that stipulates an amount of production to be delivered will be 160 bushels
               per acre.


 2DL   2003    The allowable costs for Hand Harvested sweet cherries (processing)
               production are displayed below, in dollars per pound.

               Type Practice            Allowable Cost

               112  997                     $0.18

               The allowable costs for Machine Harvested sweet cherries (processing)
               production are displayed below, in dollars per pound.

               Type Practice            Allowable Cost

               112  997                     $0.10

               For direct marketed production in which the general public is
               permitted to enter the field for the purpose of picking the crop
               (U-Pick) the allowable cost is not applicable.


 2DM   2003    The END OF INSURANCE DATES for specific types are as follows:

                         TYPE                                        END OF INSURANCE DATE

               Perlette, Cardinal                                         August 1
               Exotic, Superior Seedless                                  August 31
               Flame Seedless, Red Malaga, Queen,Thompson Seedless        September 15
               Black Seedless, Fantasy Seedless                           September 15
               Black Rose Italia                                          September 30
               White Malaga, Ribier, Ruby Seedless                        October 15
               All Others                                                 October 31
               Crimson Seedless, Emperors, Red Globe                      November 15

 2DN   2003    Please refer to the FCI-33-L (Legal Descriptor & Rules Page) for the
               t-yields or rating classifications applicable to this crop.

 2DO   2003    There is a one-year lag period in reporting production.  Production
               reports through the 2001 crop year are required for the 2003 crop year.
               Any unit that does not have a 2001 crop year production report is
               uninsurable for the 2003 crop year.

 2DP   2003    The established price election available for this county crop program will
               be released as an Actuarial Table Addendum (Special Provisions) prior to
               the policy contract change date.  An additional price election, if
               applicable, will be released no later than 15 days prior to the sales
               closing date.



 2DS   2003    The production to count for blueberries remaining on the bush with 20
               percent or greater hail or freeze damage will be determined as follows:
               If the hail or freeze damaged blueberries are harvested and sold, divide
               the price per pound received (minus $0.15 per pound for harvesting) by
               the maximum price election for the county to determine the quality factor
               (not less than zero).  Multiply the quality factor by the pounds of damaged
               production to determine the production to count for such damaged production.
               If the hail or freeze damaged blueberries are unharvested or are harvested
               but not sold, the production to count will be zero.

 2DT   2003    FOB shipping point price information for Alabama (Thomasville, Georgia)
               reported in "Southeastern Fruit and Vegetable Report" will be used to
               determine the applicable average FOB shipping point price according to
               provisions of the policy.  Prices are available on the internet at
               http://www.ams.usda.gov/mnreports/tv_fv110.txt

               Allowable cost for fresh peaches for determining actual price per bushel
               will be $5.00 per bushel.  Allowable cost for processing peaches for
               determining actual price per bushel will be $1.75 per bushel.

 2DU   2003    FOB shipping point price information for Florida (Thomasville,Georgia)
               reported in "Southeastern Fruit and Vegetable Report" will be used
               to determine the applicable average FOB shipping point price according to
               the provisions of the policy.  Prices are available on the internet at
               http://www.ams.usda.gov/mnreports/tv_fv110.txt

               Allowable cost for fresh peaches for determining actual price per bushel
               will be $4.50 per bushel.  Allowable cost for processing peaches for
               determining actual price per bushel will be $1.75 per bushel.

 2DV   2003    FOB shipping point price information for Central Georgia (Thomasville,
               Georgia) reported in "Southeastern Fruit and Vegetable Report" will be used
               to determine the applicable average FOB shipping point price according to
               the provisions of the policy.  Prices are available on the internet at
               http://www.ams.usda.gov/mnreports/tv_fv110.txt

               Allowable cost for fresh peaches for determining actual price per bushel
               will be $4.50 per bushel.  Allowable cost for processing peaches for
               determining actual price per bushel will be $1.75 per bushel.

 2DW   2003    FOB shipping point price information for South Carolina (Thomasville,
               Georgia) reported in the "Southeastern Fruit and Vegetable Report" will
               be used to determine the applicable average FOB shipping point price
               according to the provisions of the policy. Prices are available on the internet
               at http://www.ams.usda.gov/mnreports/tv_fv110.txt

               Allowable cost for fresh peaches for determining actual price per bushel
               will be $4.00 per bushel.  Allowable cost for processing peaches for
               determining actual price per bushel will be $1.75 per bushel.

 2DY   2003    Option C is selected by designating Type 114 - Varietal Group A
               or Type 115 - Varietal Group B. Other types are not applicable.

 2DZ   2003    For the Apple Pilot Quality Option to be in effect both QF and QP must be
               specified with Type 114 - Varietal Group A or Type 115 -Varietal Group B.
               Other types are not applicable.

 2EC   2003    The irrigated practice (002) is applicable to furrow or sprinkler
               irrigation methods only.  Acreage that is irrigated by any other method
               must be reported and insured as non-irrigated practice (003) unless a
               written agreement to insure the acreage on an irrigated basis is requested
               and approved.

 2EG   2003    In lieu of section 9(g) of the Forage Seeding Crop Provisions, the calender
               date for the end of the insurance period is November 30.

 2EH   2003    A minimum of twenty (20) live plants per square foot will be considered
               to be a normal stand for loss adjustment purposes.

 2EJ   2003    Insurance will attach only on potatoes planted during the period of
               March 1 - April 15.

 2EK   2003    Insurance will attach only on potatoes planted during the period of
               January 1 - March 1.

 2EL   2003    Insurance will attach only on potatoes planted during the period of
               January 1 - February 25.

 2EM   2003    Insurance will attach only on potatoes planted during the period of
               December 26  - February 25.


 2EO   2003    A peanut crop which is properly planted, using a machine designed for
               such purpose, into existing vegetation, i.e. grass or legumes, small grains,
               or other cover crops recommended by the Cooperative Extension Service, will
               be insurable provided that prior to emergence of the peanut crop, the
               existing vegetation is treated with a herbicide which is labeled and
               recommended for the purpose of killing the existing vegetation.



 2ER   2003    Rotation requirements:  In accordance with Section 8 (a) (1) of the Sugar
               Beet Crop Provisions, insurance will not attach to any acreage on which
               sugar beets were grown the preceding crop year unless the following
               requirements apply:

               a) Plant growth on the sugar beet acreage planted the preceding year was
                  mechanically or chemically terminated prior to June 20th of that year
                  and,
               b) The sugar beet acreage being terminated was not affected by disease
                  and,
               c) The acreage terminated was fallowed or planted to another crop which
                  is not a host to the sugar beet nematode.

 2ES   2003    If your average yield of macadamia nuts exceeds 3,000 pounds, and you have
               at least four (4) years of production history, you may request a written
               agreement to increase your amount of insurance coverage on your macadamia
               tree policy.  Contact the Davis Regional Office for specific information.


 2ET   2003    In lieu of section 8(d) of the Apple Pilot Quality Option,

               (d) Grade - The grades shown below are applicable in Washington State
                Only:

               (1) Fancy - Apples meeting or exceeding the Washington Fancy Grade as
               defined in the Washington state standards for apples, plus apples failing
               to grade Washington Fancy due to uninsured causes.

               (2) All-Other apples - Apples that fail to meet the grade requirements for
               Washington Fancy but at least meet the grade requirements of U.S. Cider
               Grade as defined in the U.S. Standards for Grades of Apples for Processing,
               plus culls that are sold.




 2EU   2002    In accordance with section 8(f) of the Apple Pilot Quality Option,
               the minimum value is not applicable.

 2EV   2003    In lieu of sections 5(b)(2), (4), and (5) of the Cotton Crop Provisions,
               cotton that is planted into an established grass or legume using a
               conservation tillage practice recommended by the Cooperative State
               Research, Education, and Extension Service is insurable provided the
               grass or legume, including a small grain crop, was terminated prior to
               emergence of the cotton.  Non-irrigated cotton planted after harvest of
               a hay crop in the same calendar year is insurable in this county.
               Non-irrigated cotton following a small grain crop that was harvested for
               grain, or that reached the stage when it is normally harvested for grain,
               is not insurable in this county.



 2EW   2003    FAC - (following another crop) In lieu of section 5(b)(5) of the Cotton
               Crop Provisions, non-irrigated cotton following a small grain crop that
               was harvested for grain in the same calendar year, or that reached the stage
               of growth when it is normally harvested for grain, is insurable under this
               practice in this county. Non-irrigated cotton following a vegetable crop
               harvested in the same calendar is also insurable under this practice
               in this county.

               NFAC - (not following another crop) In lieu of sections 5(b)(2), (4), and
               (5) of the Cotton Crop Provisions, non-irrigated cotton that: (1) does not
               follow another crop harvested in the same calendar year, (2) follows harvest
               of a hay crop, or (3) is planted into an established grass or legume that
               was terminated prior to emergence of the cotton, including a small grain
               crop that was terminated prior to reaching the stage of growth when it is
               normally harvested for grain, is insurable under this practice in this
               county.  Non-irrigated cotton following a small grain crop that was
               harvested for grain, or that reached the stage of growth when it is
               normally harvested for grain, is not insurable under this practice in this
               county.

               Irrigated - In lieu of section 5(b)(2) of the Cotton Crop Provisions,
               irrigated cotton that is planted into an established grass or legume that
               was terminated prior to emergence of the cotton is insurable under this
               practice in this county provided that a good irrigation practice is
               followed in accordance with the Common Insurance Policy.

 2EX   2003    In accordance with section 12(d)(2) of the Dry Pea Crop Provisions, all
               harvested production from insurable acreage is determined by subtracting
               from gross production Total Dockage, Defects and Foreign Material
               resulting from insurable cause of loss during the insurance period.

 2EY   2003    Insurance will not attach to any acreage on which potatoes or
               sunflowers were planted the preceding crop year, unless allowed
               on organic soils by written agreement.


 2EZ   2002    Insurance will not attach to any acreage on which canola, crambe,
               chickpeas, dry beans, dry peas (including lentils), mustard, rapeseed,
               safflower, soybeans, or sunflowers were planted in the previous crop year.

               A crop which was planted and then all plant growth is terminated prior to
               the acreage reporting date, will not be considered planted for rotational
               purposes ONLY. The insured is responsible to provide proof of insurability.





 2F6   2003    APPROVED MALTING BARLEY VARIETIES: Moravian III
                                                  Triumph
                                                  Morex
                                                  Robust
                                                  Klages

               All varieties recommended for malting by the American Malting Barley
               Association, Inc.

               Varieties meeting the conditions set forth in the Malting Barley Option
               Amendment, but not shown as an approved variety, will be insured.  Contact
               your crop insurance agent by the sales closing date to determine
               eligibility requirements.

 2FA   2003    In accordance with the Crop Provisions Section I Definitions for Grading
               Standards, production must meet California Department of Food and
               Agriculture (CDFA) minimum standards for fresh apricots.



 2FB   2003    In accordance with the Crop Provisions Section I Definitions for Grading
               Standards, production must meet California Department of Food and
               Agriculture (CDFA) minimum standards for processing apricots and will
               include all production, which is acceptable to a processor.



 2FC   2003    In accordance with the Crop Provisions Section I Definitions for Grading
               Standards, Production must meet U.S. No. 1 standards as modified by the
               latest California Tree Fruit Agreement publication for fresh nectarines.


 2FD   2003    In accordance with the Crop Provisions Section I Definitions for Grading
               Standards, Production must be graded by the California State Inspection
               Service as No. 2 or better for processing clingstone peaches.


 2FE   2003    In accordance with the Crop Provisions Section I Definitions for Grading
               Standards, production must meet California Department of Food and
               Agriculture (CDFA) minimum standards for processing freestone peaches
               and will include all production, which is acceptable to a processor.



 2FF   2003    In accordance with the Crop Provisions Section I Definitions for Grading
               Standards, Production must meet U.S. No. 1 standards as modified by the
               latest California Tree Fruit Agreement publication for fresh freestone
               peaches.


 2FG   2003    In lieu of the policy definitions:

               Amount Of Insurance - The dollar amount obtained by multiplying the
               reference maximum dollar amount shown on the actuarial documents by
               the coverage level percentage you elect.

               Minimum Value - The dollar amount per pound shown in the Special
               Provisions that we will use to value marketable production.

               Reference Maximum Dollar Amount - The amount shown on the actuarial
               documents that is multiplied by the coverage level to determine the
               amount of insurance.

 2FH   2003    Zinfandel grapes may be insured as type "red zinfandel (113)" only if the
               insured has a minimum of four consecutive years of production records and,
               except as allowed below, all zinfandel production records in the APH
               database for the unit are verified to have been delivered at 21 percent
               Brix or higher. Any zinfandel grapes insured as red zinfandel (113) that
               are damaged by insurable causes and consequently can not be delivered as red
               zinfandel, will still be eligible to be insured as red zinfandel(113).
               In addition, if you notify us, or if at any time we determine that
               appropriate cultural practices were not followed for the production of
               grapes to be used for red zinfandel wine, we will revise the insured grape
               type to "zinfandel (094)".




 2FJ   2003    Insurable age of vines: Fourth growing season after being set out for
               Concord, Elvira, and Niagara varieties.  Fifth growing season after
               being set out for all other varieties.


 2FK   2003    In lieu of the policy definition for carton, production will be determined in
               in 20 pound carton equivalents for all tomatoes except, Cherry, Grape, Roma,
               and Plum types of tomatoes.



 2FN   2003    The irrigated practice (002) is applicable to furrow or sprinkler irrigation
               methods only.  Acreage that is irrigated by any other method must be
               reported and insured as non-irrigated practice (003).

 2FR   2003    Insured Crop: In lieu of any policy provisions that specify that
               high-oil and high-protein corn are not insurable, the following will
               be insurable:

                    1.  High-oil corn blends containing mixtures of at least ninety
                        percent high yielding yellow dent female plants with high-oil
                        male pollinator plants and,

                    2.  Commercial varieties of high-protein hybrids.

 2FS   2003    FAC - (following another crop) In lieu of section 7(c)(4) and (5) of the
               Income Protection Cotton Crop Provisions, non-irrigated cotton following
               a small grain crop that was harvested for grain in the same calendar year,
               or that reached the stage of growth when it is normally harvested for grain,
               is insurable under this practice in this county. Non-Irrigated cotton
               following a vegetable crop harvested in the same calendar year is also
               insurable under this practice in this county.

               NFAC - (not following another crop) In lieu of sections 7(c)(4) and (5)
               of the Income Protection Cotton Crop Provisions, non-irrigated cotton that:
               (1) does not follow another crop harvested in the same calendar year, (2)
               follows harvest of a hay crop, or (3) is planted into an established grass
               or legume that was terminated prior to emergence of the cotton, including a
               small grain crop that was terminated prior to reaching the stage of growth
               when it is normally harvested for grain, is insurable under this practice
               in this county.  Non-irrigated cotton following a small grain crop that
               was harvested for grain, or that reached the stage of growth when it is
               normally harvested for grain, is not insurable under this practice in this
               county.

               Irrigated - In lieu of section 7(c)(2) of the Income Protection Cotton
               Crop Provisions, irrigated cotton that is planted into an established
               grass or legume that was terminated prior to emergence of the cotton is
               insurable under this practice in this county provided that a good
               irrigation practice is followed in accordance with the Common Crop
               Insurance Policy.

 2FZ   2003    In lieu of sections 7(c)(2), (4), and (5) of the Income Protection
               Cotton Crop Provisions, cotton that is planted into an established
               grass or legume using a conservation tillage practice recommended by
               the Cooperative State Research, Education, and Extension Service is
               insurable provided the grass or legume, including a small grain crop,
               was terminated prior to emergence of the cotton.  Non-irrigated cotton
               planted after harvest of a hay crop in the same calendar year is
               insurable in this county.  Non-irrigated cotton following a small grain
               crop that was harvested for grain, or that reached the stage when it is
               normally harvested for grain, is not insurable in this county.

 2GA   2003    Insurance shall not attach or be considered to have attached on any acreage
               that is non-irrigated and from which a hay crop was harvested, including a
               harvested small grain hay crop, regardless of the percentage of small grain
               plants that reached the headed stage.


 2GB   2003    In addition to Section 2(b) of the Processing Bean Crop Provisions,
               a snap bean (Type 301) optional unit may be further divided into optional
               units by practice.

 2GC   2003    Insurance shall not attach or be considered to have attached on any acreage
               that is non-irrigated and from which, in the same calendar year: 1) a hay
               crop was harvested (including a harvested small grain hay crop); 2) a small
               grain crop reached the headed stage (regardless of the percentage of small
               grain plants that reached the headed stage); or 3) a crop was grazed past
               February 15.

 2GD   2003    Insurance shall not attach or be considered to have attached on any acreage
               that is non-irrigated and from which, in the same calendar year: 1) a hay
               crop was harvested (including a harvested small grain hay crop); 2) a small
               grain crop reached the headed stage (regardless of the percentage of small
               grain plants that reached the headed stage); or 3) a crop was grazed past
               March 1.

 2GE   2003    Insurance shall not attach or be considered to have attached on any acreage
               that is non-irrigated and from which, in the same calendar year: 1) a hay
               crop was harvested (including a harvested small grain hay crop); 2) a small
               grain crop reached the headed stage (regardless of the percentage of small
               grain plants that reached the headed stage); or 3) a crop was grazed past
               March 15.

 2GF   2003    Insurance shall not attach or be considered to have attached on any acreage
               that is non-irrigated and from which, in the same calendar year: 1) a hay
               crop was harvested (including a harvested small grain hay crop); 2) a small
               grain crop reached the headed stage (regardless of the percentage of small
               grain plants that reached the headed stage); or 3) a crop was grazed past
               April 1.

 2GH   1997    ****Grass Mixture - Includes a mixed stand of forage grasses, red clover,
               alfalfa and any other locally recognized and approved forage of which red
               clover comprises at least 60 percent but not more than 99.9 percent of the
               ground cover and alfalfa comprises less than 25 percent of the ground
               cover.

 2GJ   1996    The final planting date and acreage reporting date shall be June 20
               and June 30, respectively, for land located east of the Caprock
               escarpment.

 2GK   2003    Insurance shall not attach or be considered to have attached on any acreage
               that is non-irrigated and 1) from which a hay crop was harvested (including
               a harvested small grain hay crop regardless of the percentage of small grain
               plants that reached the headed stage); or 2) was grazed past February 15.

 2GL   2003    Insurance shall not attach or be considered to have attached on any acreage
               that is non-irrigated and 1) from which a hay crop was harvested (including
               a harvested small grain hay crop regardless of the percentage of small grain
               plants that reached the headed stage); or 2) was grazed past March 1.

 2GM   2003    Insurance shall not attach or be considered to have attached on any acreage
               that is non-irrigated and 1) from which a hay crop was harvested (including
               a harvested small grain hay crop regardless of the percentage of small grain
               plants that reached the headed stage); or 2) was grazed past March 15.

 2GN   2003    Insurance shall not attach or be considered to have attached on any acreage
               that is non-irrigated and 1) from which a hay crop was harvested (including
               a harvested small grain hay crop regardless of the percentage of small grain
               plants that reached the headed stage); or 2) was grazed past April 1.

 2GO   2003    Available coverage level and payment rate combinations, premium subsidy
               factors and administrative fees are as follows.

               Coverage     Payment     Minimum Number of         Premium
               Level        Rate        Agricultural Commodities  Subsidy  Administrative
               Percentage   Percentage  Produced                  Factor   Fee
               65           75                  1                  .59     $30
               65           90                  2*                 .59     $30
               75           75 or 90            2*                 .55     $30
               80           75 or 90            4*                 .48     $30

               * To qualify for any coverage level and payment rate combination other than
               the 65 percent coverage level with the 75 percent payment rate (65/75), you
               must produce at least the minimum number of commodities shown in the chart
               above. The expected allowable income from each of the minimum number of
               commodities required (2 for 65/90, 75/75, 75/90, or 4 for 80/75 or 80/90)
               must be equal to or exceed the dollar amount determined as follows:
               (1) Divide 1.0 by the number of commodities shown on your farm report;
               (2) Multiply the result of (1) by 0.333; and
               (3) Multiply the result of (2) by the total expected allowable income
               shown on your farm report.

               Notwithstanding the above, insurance will not be provided when the expected
               allowable income from potatoes is greater than 83.35 percent of the total
               expected allowable income for the insurance year.

 2GP   2003    Cultural Requirements:  In accordance with Section 6(a)(5) of the Strawberry
               Crop Provisions, all transplants must be disease free plants.
               Each crop year you must plant on raised beds with plastic mulch, provide
               overhead irrigation for freeze protection, and fumigate with chemicals that
               are recognized for fumigation by the Cooperative State Research, Education,
               and Extension Service.

 2JC   1998    ****Group B - 271 Insurable Varieties:  Chardonnay, Merlot and/or
               Cabernet varieties.

 2JE   2000    ****Group D - 273 Insurable Varieties:  Semillon, Sauvignon Blanc,
               Muscat varieties and other white varieties not elsewhere identified.


 2JG   2000    ****Group E - 274 Insurable Varieties:  White Riesling/Johannisberg
               Riesling, Chenin Blanc, Gewurztraminer, and/or Muller Thurgau.


 2JK   2000    ****Group C - 272 Insurable Varieties:  Pinot varieties, Grenache,
               Zinfandel, Limberger, and other pink or red varieties not elsewhere
               identified.


 2LB   2003    The applicable standards for onions in the following states will apply for
               this year: California and Oregon.

               Storage Type 215 Spring Planted Whites and Yellows - U.S. No. 2 Grade,
               under United States Standards for Grades of Onions for Processing.





 2LS   2003    ****Group A - 279 Insurable Varieties: Pinot Noir.


 2LT   2003    ****Group B - 280 Insurable Varieties:  Merlot, Syrah, Cabernet varieties,
               and all other Pinot varieties.


 2LV   2003    ****Group C - 282 Insurable Varieties:  Chardonnay, Grenache, Zinfandel,
               Limberger (Lemberger) or other pink or red varieties not listed elsewhere.


 2LW   2003    ****Group D - 283 Insurable Varieties: Semillon, Sauvignon Blanc, Muscat
               varieties and other white varieties not listed elsewhere.

 2LX   2003    ****Group E - 284 Insurable Varieties:  White Riesling, Johannisberg
               Riesling, Chenin Blanc, Gewurztraminer, and/or Muller Thurgau.


 2MA   2003    The tenderometer reading used to determine the processor contract price
               shall be:  "110" Tenderometer Reading for All Types.

               If the processor contract provides a fixed price without regard to
               tenderometer reading, such fixed price will be considered the processor
               contract price.

 2ME   1998    The tenderometer reading or sieve size used to determine the processor
               contract price shall be:
               "105" Tenderometer Reading for All Types.
               " 4 " Sieve Size for All Types.

               If the processor contract provides a fixed price without regard to
               tenderometer reading or sieve size, such fixed price will be considered
               the processor contract price.

 2P    1996    **** The following types of Contract Seed Beans are insurable under the
               generalized descriptive term "Bush Varieties for Garden Seed": Market-
               Garden, Processor, Wax, Pole, O.S.U. lines, and other varieties under
               contract with a seed company where at least 50 percent of the total
               production is at a fixed price and the contract price is executed before
               the acreage reporting date.

 2RT   2003    Insurance will not attach on any acreage of spring planted tomatoes
               planted prior to January 15 in rate area B, without a crop inspection on
               or after that date showing there is no damage to the crop.  The results
               of the crop inspection will be placed in, and become part of the
               official file.

 2S2   1998      ** Fall Planting Period - July 15 through August 31.

 2VD   2003    The tenderometer reading used to determine the processor contract price
               shall be:  "105" Tenderometer Reading for All Types.

               If the processor contract provides a fixed price without regard to
               tenderometer reading, such fixed price will be considered the processor
               contract price.

 2VE   2003    The tenderometer reading used to determine the processor contract price
               shall be: "125" Tenderometer Reading for All Types.

               If the processor contract provides a fixed price without regard to
               tenderometer reading, such fixed price will be considered the processor
               contract price.

 2VK   1999    For irrigated practices, classification 001 is applicable to all
               producers unless classified otherwise by the Corporation.

 2VO   2003    Bacterial blight and sclerotia (white mold) diseases are not
               insurable causes of loss on any acreage on which dry beans, soybeans
               or canola have been planted in either of the preceding two crop years.

 2YP   1999    In lieu of subsection 1.b.(3) of the Canning and Processing Bean
               Endorsement, insects and/or diseases are not insurable causes of loss
               on snap bean acreage which was planted to snap beans, lima beans,
               green peas, mint, soybeans or sunflowers the previous crop year.

 2ZA   2002    In lieu of the definition of "Catastrophic risk protection" contained in
               section 1 of the Group Risk Plan of Insurance Basic Provisions, the
               definition of Catastrophic risk protection will be as follows:

                 Catastrophic risk protection - The minimum level of coverage offered
                 by FCIC.  For GRP, an amount of protection equal to 65 percent of the
                 expected county yield indemnified at 45 percent of the maximum
                 protection per acre specified in the actuarial documents for the crop,
                 practice, and type.


 2ZB   2002    It is agreed that Section IV of the Crop Revenue Coverage Commodity Exchange
               Endorsement - Wheat, as it pertains to Wheat - Portland Grain Exchange(PGE)
               in the states of California, Idaho, Oregon, Utah, and Washington, is
               amended to include Nevada.


 2ZC   2003    The replant exclusion (RE) option factor is applicable to all producers
               who elect to waive their rights to replant payments provided by the
               policy.  This election must be made on the application/policy change
               form by the sales closing date.

 2ZD   2003    FAC - (following another crop) In lieu of section 5(b)(5) of the Cotton Crop
               Provisions, non-irrigated cotton following a small grain crop that was
               harvested for grain in the same calendar year, or that reached the stage of
               growth when it is normally harvested for grain, is insurable under this
               practice in this county. Non-Irrigated cotton following a vegetable crop
               harvested in the same calendar year is also insurable under this practice in
               this county.

               NFAC - (not following another crop) In lieu of sections 5(b)(2), (4), and
               (5) of the Cotton Crop Provisions, non-irrigated cotton that: (1) does not
               follow another crop harvested in the same calendar year, (2) follows harvest
               of a hay crop, or (3) is planted into an established grass or legume that
               was terminated prior to emergence of the cotton, including a small grain
               crop that was terminated prior to reaching the stage of growth when it is
               normally harvested for grain, is insurable under this practice in this
               county.  Non-irrigated cotton following a small grain crop that was
               harvested for grain, or that reached the stage of growth when it is
               normally harvested for grain, is not insurable under this practice in this
               county.

               Irrigated - In lieu of section 5(b)(2) of the Cotton Crop Provisions,
               irrigated cotton that is planted into an established grass or legume that
               was terminated prior to emergence of the cotton is insurable under this
               practice in this county provided that a good irrigation practice is
               followed in accordance with the Crop Revenue Coverage (CRC) Insurance Policy.

 3A7   2004    For the 2004 and subsequent crop years, catastrophic risk protection
               equals 27.5 percent of your approved average revenue.

 3AA   2003    In order for the year of set out to be considered as a growing season, as
               referenced in the Florida Citrus Fruit Crop Provisions (99026) (Insured Crop)
               Section 6(b)(2), citrus trees have to be set out on or before April 30 of that
               year.

               If you select coverage at the additional level you may select different price
               election percentages for each type of fruit within the crop group.

 3AB   2003    The Agricultural Marketing Service (AMS) price series used to calculate the
               actual ending value will be the same series used to settle the lean hog futures
               contract at the Chicago Mercantile Exchange.  The actual ending value
               calculation can be found in the policy. The end date of the endorsement
               determines the report and the calculation procedures.

               If the end date is before February 17, 2003, the AMS price series for indemnity
               calculation is the '51 to 52% lean/.80 to .99 inches of backfat' price as
               reported in the following report:
                 1. AMS Report Name: National Daily Base Lean Hog Carcass Slaughter Cost
                 2. AMS Report Number: lm_hg213
                 3. Location on the Internet:
                    http://www.ams.usda.gov/mnreports/lm_hg213.txt

               If the endorsement end date is on or after February 17, 2003 then the weighted
               average price is calculated using two Producer Sold data series in the report,
               the Negotiated and the Swine or Pork Market Formula (SPMF) categories as
               reported in the following report:
                 1. AMS Report Name: National Daily Direct Hog Prior Day Report-Slaughtered
               Swine
                 2. AMS Report Number: lm_hg201
                 3. Location on the Internet:
                    http://www.ams.usda.gov/mnreports/lm_hg201.txt

               You will be notified if there are changes in the report name, number, or
               location.


 3AC   2003    The daily Coverage Prices, Rates, and Actual Ending Values can be found on
               the RMA web site at www.rma.usda.gov.  Click on 'Tools/Calculators', and
               then click on 'LRP Daily Coverage Prices, Rates, and Actual Ending Values'.
               The Actual Ending Value is the price used to calculate any indemnity due
               and will become available within 5 days after the AMS price pertinent to the
               end of the insurance period is published. The daily Coverage Prices, Rates,
               and Actual Ending Values will be posted on the web-site by 7:00 a.m. central
               time each day.




 3AD   2003    LRP coverage is available in all Iowa counties.

 3AE   2003    The Sales Closing Date is the effective date.

 3AF   2003    The Federal Crop Insurance Corporation (FCIC) makes commodity insurance
               available for all producers, regardless of race, color, national origin,
               religion, sex, age or handicap.

 3AG   2003    ** Winter coverage endorsement applies only to Irrigated Winter Wheat.

 3AH   2003    Conversion factors to be used in accordance with the provisions of the
               insurance policy for adjusting threshed production of dry beans:
                   Section I.   CLASS OF BEANS        GRADE        FACTOR
                                Cranberry           U.S. No. 3      .94
                                Black Turtle Soup   U.S. No. 3      .94
                                Dark Red Kidney     U.S. No. 3      .94
                                Light Red Kidney    U.S. No. 3      .94
                                Pinto               U.S. No. 3      .94
                                White Kidney        U.S. No. 3      .94

                   Section II.  Pea and Medium White
                        Percent of Defects  Factor    Percent of Defects  Factor
                              5             .98             13            .80
                              6             .96             14            .78
                              7             .94             15            .76
                              8             .91             16            .74
                              9             .89             17            .72
                             10             .86             18            .70
                             11             .84             19            .68
                             12             .82             20            .67

 3AI   2003    Conversion factors to be used in accordance with the provisions of the
               insurance policy for adjusting threshed production of dry beans:
                   Section I.   CLASS OF BEANS        GRADE             FACTOR
                                Great Northern      U.S. No. 3           .91
                                Pinto               U.S. No. 3           .90
                                Pink                U.S. No. 3           .90
                                Light Red Kidney    U.S. No. 3           .90
                                Small Whites        U.S. No. 3           .90

                   Section II.  Great Northern
                        Percent of Defects   Factor  Percent of Defects  Factor
                              7            .87             14           .70
                              8            .85             15           .67
                              9            .82             16           .65
                             10            .80             17           .63
                             11            .77             18           .60
                             12            .75             19           .58
                             13            .72             20           .55

                 Section III.   Pea (Navy) and Medium White
                        Percent of Defects  Factor   Percent of Defects  Factor
                              5            .98            13            .80
                              6            .96            14            .78
                              7            .94            15            .76
                              8            .91            16            .74
                              9            .89            17            .72
                             10            .86            18            .70
                             11            .84            19            .68
                             12            .82            20            .67

 3AJ   2003    Conversion factors to be used in accordance with the provision of the
               insurance policy for adjusting threshed production of dry beans:
                   Section I.   CLASS OF BEANS         GRADE           FACTOR
                                Black Turtle Soup           U.S. No. 3          .90
                                Dark Red Kidney                U.S. No. 3          .90
                                Great Northern              U.S. No. 3          .91
                                Pinto                       U.S. No. 3          .90
                                Pink                        U.S. No. 3          .90
                                Light Red Kidney            U.S. No. 3          .90
                                Small Whites                U.S. No. 3          .90

                   Section II.  Great Northern
                     Percent of Defects  Factor       Percent of Defects Factor
                         7              .87               14            .70
                         8              .85               15            .67
                         9              .82               16            .65
                        10              .80               17            .63
                        11              .77               18            .60
                        12              .75               19            .58
                        13              .72               20            .55

                  Section III.   Pea (Navy) and Medium White
                    Percent of Defects   Factor       Percent of Defects Factor
                         5              .98               13            .80
                         6              .96               14            .78
                         7              .94               15            .76
                         8              .91               16            .74
                         9              .89               17            .72
                        10              .86               18            .70
                        11              .84               19            .68
                        12              .82               20            .67

 3AK   2003    Conversion factors to be used in accordance with the provisions of the
               insurance policy for adjusting threshed production of dry beans:
                 Section I.        CLASS OF BEANS                GRADE           FACTOR
                                   Cranberry                   U.S. No. 3         .94
                                   Black Turtle Soup           U.S. No. 3         .94
                                   Dark Red Kidney             U.S. No. 3         .94
                                   Light Red Kidney            U.S. No. 3         .94
                                   Pinto                       U.S. No. 3         .94
                                   Tebo                        U.S. No. 3         .94
                                   Great Northern              U.S. No. 3         .94
                                   Yelloweye                   U.S. No. 3         .94
                                   Small White                 U.S. No. 3         .94
                                   Small Red                   U.S. No. 3         .94

                 Section II.       Pea and Medium White
                    Percent of Defects    Factor           Percent of Defects     Factor
                            5             .98                    13               .80
                            6             .96                    14               .78
                            7             .94                    15               .76
                            8             .91                    16               .74
                            9             .89                    17               .72
                           10             .86                    18               .70
                           11             .84                    19               .68
                           12             .82                    20               .67

 3AL   2003    Conversion factors to be used in accordance with the provision of the
               insurance policy for adjusting threshed production of dry beans:
                   Section I.   CLASS OF BEANS         GRADE           FACTOR
                                Black Turtle Soup   U.S. No. 3          .90
                                Great Northern      U.S. No. 3          .91
                                Pinto               U.S. No. 3          .90
                                Pink                U.S. No. 3          .90
                                Light Red Kidney    U.S. No. 3          .90
                                Small Whites        U.S. No. 3          .90

                   Section II.  Great Northern
                     Percent of Defects  Factor     Percent of Defects  Factor
                         7              .87               14            .70
                         8              .85               15            .67
                         9              .82               16            .65
                        10              .80               17            .63
                        11              .77               18            .60
                        12              .75               19            .58
                        13              .72               20            .55

                  Section III.   Pea (Navy) and Medium White
                    Percent of Defects   Factor      Percent of Defects Factor
                         5              .98               13            .80
                         6              .96               14            .78
                         7              .94               15            .76
                         8              .91               16            .74
                         9              .89               17            .72
                        10              .86               18            .70
                        11              .84               19            .68
                        12              .82               20            .67

 3AM   2003    Conversion factors to be used in accordance with the provisions of the
               insurance policy for adjusting threshed production of dry beans:
                   Section I.   CLASS OF BEANS        GRADE        FACTOR
                                Great Northern      U.S. No. 3      .91
                                Pinto               U.S. No. 3      .90

                   Section II.  Great Northern
                        Percent of Defects   Factor    Percent of Defects Factor
                              7             .87             14           .69
                              8             .84             15           .67
                              9             .82             16           .64
                             10             .79             17           .62
                             11             .77             18           .59
                             12             .74             19           .57
                             13             .72             20           .55

 3AN   2003    The end of insurance period for this county crop program is 6/30.

 3AO   2003    Insurance will attach only on potatoes planted during the period of
               December 15 - January 20.

 3AP   2003    Insurance will attach only on potatoes planted during the period of
               September 15 - October 15, and the calendar date for the end of
               insurance period for this county program is February 15.


 3AQ   2003    Insurance will attach only on potatoes planted during the period of
               October 1 - January 10.

 3AR   2003    Insurance will attach only on potatoes planted during the period of
               October 10 - January 10.

 3AS   2003    Insurance will attach only on potatoes planted during the period of
               December 1 - January 10, and the calendar date for the end of insurance
               period for this county program is June 5.


 3AT   2003    For the purpose of Section 11 (d)(1)(iii) of the crop provisions, the date
               potatoes would have reached full maturity will be 100 days after the date
               of planting or replanting.




 3AU   2003    Conversion factors to be used in accordance with the provisions of the
               insurance policy for adjusting threshed production of dry beans:
                   Section I.   CLASS OF BEANS        GRADE        FACTOR
                                Cranberry           U.S. No. 3      .94
                                Black Turtle Soup   U.S. No. 3      .94
                                Dark Red Kidney     U.S. No. 3      .94
                                Light Red Kidney    U.S. No. 3      .94
                                Pinto               U.S. No. 3      .94

                   Section II.  Pea and Medium White
                        Percent of Defects  Factor    Percent of Defects   Factor
                              5             .98             13            .80
                              6             .96             14            .78
                              7             .94             15            .76
                              8             .91             16            .74
                              9             .89             17            .72
                             10             .86             18            .70
                             11             .84             19            .68
                             12             .82             20            .67

 3AV   2003    In addition to Section 13(f)(2)(vii) of the Apple Crop Insurance Provisions:
               Fifteen (15) percent of all cull production will be considered production to
               count for Rate Class Option Code FB, and zero (0) percent of all cull
               production will be considered production to count for Rate Class Option Code
               FD.  The standard thirty (30) percent add-back (Rate Class Option Code FC)
               shall be applicable to producers who elect Quality Option B, but do not
               specifically select an alternate add-back percentage.

 3AW   2003    In addition to the definition of "standard nursery containers" in
               Section 1 of the Nursery Crop Provisions (00-073), non-rigid, woven,
               or matted planter bags that are appropriate in size for the plant and
               allow proper drainage of the growing medium will be considered
               insurable nursery containers.  Not withstanding the size printed on
               the bag, the container size, in gallons, is to be determined on an
               actual volume basis.

 3AY   2003    Wholesale marketing, as used in the definition of "Nursery" in
               section 1 of the Nursery Crop Provisions, means to sell: (a) in large
               quantities; (b) at a price below that offered on low-quantity sales;
               and (c) to retailers or commercial-users or other end-users for business
               purposes (e.g. - sales to landscape contractors and commercial fruit
               producers).

 3AZ   2003    Premiums are due on the effective date.

 3B9   2003    The additional value price per bushel for Option A of the Income Protection
               Barley Malting Barley Price and Quality Endorsement is as follows:

               $0.50  Minnesota, North Dakota, South Dakota
               $0.60  Oregon, Washington
               $1.00  Idaho, Montana

 3BA   2003    In lieu of Section 2 of the Blueberry Crop Provisions, optional units
               will apply as authorized in Section 34 of the Basic Provisions.


 3BB   2003    Insurance will not attach to any acreage on which dry beans, canola,
               crambe, chickpeas, dry peas (including lentils), mustard, rapeseed,
               soybeans, safflowers or sunflowers have been planted in the preceding
               crop year.

               A crop which was planted and then all plant growth is terminated by chemical
               or mechanical means prior to the acreage reporting date, will not be
               considered planted for rotational purposes ONLY.  The insured is responsible
               to provide proof of insurability.


 3BC   2003    Insurance shall not attach to any acreage on which dry beans, canola,
               chickpeas, crambe, dry peas (including lentils), mustard, rapeseed,
               safflowers, soybeans or sunflowers have been planted in either of the
               two preceding crop years.

               A crop which was planted and then all plant growth is terminated by chemical
               or mechanical means prior to the acreage reporting date, will not be
               considered planted for rotational purposes ONLY.  The insured is responsible
               to provide proof of insurability.



 3BD   2003    Insurance will not attach to any acreage on which canola, crambe, chickpeas,
               dry beans, dry peas (including lentils), mustard, rapeseed, safflower,
               soybeans, or sunflowers have been planted in either of the preceding two
               crop years (three year rotation) with the exception below:

               In a two year rotation, canola, crambe, chickpeas, dry beans, dry peas
               (including lentils), mustard, rapeseed, safflower, soybeans, or sunflowers
               cannot have been planted in the preceding crop year and a blackleg resistant
               variety (MR-R) must be planted with the insured providing proof of variety
               by the acreage reporting date.  A rate surcharge (CR) will apply.

               A crop which was planted, and then all plant growth is terminated by chemical
               or mechanical means prior to the Acreage Reporting Date, will not be
               considered planted for rotational purposes ONLY.  The insured is responsible
               to provide proof of insurability.





 3BE   2003    Insurance will not attach to any acreage on which canola, crambe,
               chickpeas, dry beans, dry peas (including lentils), mustard, rapeseed,
               safflower, soybeans, or sunflowers were planted in the previous crop year.

               A crop which was planted and then all plant growth is terminated by chemical
               or mechanical means prior to the acreage reporting date, will not be
               considered planted for rotational purposes ONLY. The insured is responsible
               to provide proof of insurability.







 3BF   2003    Insurance will not attach to any acreage on which crambe, mustard, canola,
               chickpeas, dry beans, dry peas (including lentils), rapeseed, safflowers,
               soybeans or sunflowers have been planted in either of the two preceding crop
               years.

               A crop which was planted and then all plant growth is terminated by chemical
               or mechanical means prior to the acreage reporting date, will not be
               considered planted for rotational purposes ONLY.  The insured is responsible
               to provide proof of insurability.



 3BG   2003    Insurance will not attach to any Irrigated and/or IBR acreage on which
               sunflowers, canola, chickpeas, crambe, dry beans, dry peas (including
               lentils), mustard, rapeseed, safflowers, or soybeans have been planted
               in the preceding crop year.

               Insurance will not attach to any NIBR acreage on which sunflowers, canola,
               chickpeas, crambe, dry beans, dry peas, (including lentils), mustard,
               rapeseed, safflowers, or soybeans have been planted in either of the two
               preceding crop years.

               A crop which was planted and then all plant growth is terminated by chemical
               or mechanical means prior to the acreage reporting date, will not be
               considered planted for rotational purposes ONLY.  The insured is responsible
               to provide proof of insurability.



 3BH   2003    The Basic Provisions of the Policy under Causes of Loss states water
               contained by any governmental, public, or private dam or reservoir project
               is an uninsurable cause of loss. This uninsurable peril (hereinafter called
               contained water) exists for land bordering Lake Harry S. Truman. For this
               land contained water will be presumed to be the primary cause of loss
               whenever the elevation of Lake  Harry S. Truman (as measured by the Corps of
               Engineers) exceeds the elevation of the insured acreage at the time of loss
               unless you can prove otherwise.  Furthermore, no prevented planting coverage
               will be available on this land if the elevation of Lake Harry S. Truman
               reaches or exceeds the land elevation of (or denies access to) the insured
               acreage between the Sales Closing Date and the Final Planting Date shown in
               these Special Provisions of Insurance unless you can prove otherwise. See
               the FCI-33 Rules Page for additional information and rates affecting the
               insurability of this land.




 3BI   2003    Applicable to acreage that was flooded (water fallowed) prior to seeding
               as an agricultural practice for the same crop year in which the crop is
               insurable, with no intent of using an irrigated practice as defined in the
               Basic Provisions.



 3BJ   2003    In lieu of Section 9, Insurance Period, of the Central and Southern Potato
               Crop Provisions, the end of insurance period will be August 31 for this
               county crop program.

 3BK   2002    In lieu of section 8(b)(1) of the Raisin Crop Provisions, we will not
               insure any raisins laid on trays after September 8 in vineyards with
               north-south rows.

 3BL   2003    For the NIBR practices the Approved Pinto Varieties are:
                       A C Pintoba
                       Aztec
                       Buster
                       Focus
                       Frontier
                       GTS 900
                       Kodiak
                       Pinnacle
                       Rally
                       Remington
                       RS 101
                       Sierra
                       Winchester
               Varieties not approved above will be insurable only by written agreement.
               Requests for written agreements must be signed by you and submitted to your
               crop insurance agent by the sales closing date.


 3BM   2003    **** EXTRA EARLY varieties include:  Basrai, Carson, Ceres Carson, Chan,
               Dee-Six, Filter, Fortuna, Landreth, Little 1, Loadel, Stanislaus, Thiara,
               Tufts and Vivian.


 3BN   2003    **** EARLIES varieties include: Andora, Andross, Arakelian, Bowen, Camille,
               Cortez, Johnson, Kingsburg Clings, Klamt, Palora, Peak, Tuolumne and Waller.

 3BO   2003    **** LATE varieties include: Bennett, Carolyn, Dr. Davis, Everts, Gaume,
               Halford, Little 3, Monaco, Rizzi, Ross, Stanford, Sullivan #2, V.V.P.,
               Westerburg and Zolezzi.

 3BP   2003    **** EXTRA LATE varieties include:  Corona, Gomes, Hesse, Rand, Riegels,
               Starn, Sullivan #4, Wiser and All Others.

 3BQ   2003    Conversion factors to be used in accordance with the provisions of the
               insurance policy for adjusting threshed production of dry beans:
                   Section I.   CLASS OF BEANS        GRADE             FACTOR
                                Anasazi             U.S. No. 3           .90
                                Yellow              U.S. No. 3           .91
                                Great Northern      U.S. No. 3           .91
                                Pinto               U.S. No. 3           .90
                                Pink                U.S. No. 3           .90
                                Light Red Kidney    U.S. No. 3           .90
                                Small Whites        U.S. No. 3           .90

                   Section II.  Great Northern and Yellow
                        Percent of Defects   Factor  Percent of Defects  Factor
                              7            .87             14           .70
                              8            .85             15           .67
                              9            .82             16           .65
                             10            .80             17           .63
                             11            .77             18           .60
                             12            .75             19           .58
                             13            .72             20           .55

                 Section III.   Pea (Navy) and Medium White
                        Percent of Defects  Factor   Percent of Defects  Factor
                              5            .98            13            .80
                              6            .96            14            .78
                              7            .94            15            .76
                              8            .91            16            .74
                              9            .89            17            .72
                             10            .86            18            .70
                             11            .84            19            .68
                             12            .82            20            .67

 3BR   2003    In lieu of Section 13(c)(2), of the Chile Pepper Pilot Crop Provisions,
               the value of the immature appraised chile pepper production, for
               vegetative stages VC through V5 and Reproductive Stages R1 through R3,
               will not be less than the dollar amount obtained by multiplying the
               percent of the remaining crop times the dollar amount of insurance per
               acre.  The value of the mature appraised production of chile peppers, for
               the R4 Reproductive Stage, will be the pounds of appraised production to
               count times the base contract price deducted from the amount of insurance
               per acre.

 3BS   2003    Only ascochyta resistant varieties and disease treated seed are insurable.

               If a grower chooses to plant their own seed or bin run seed, coverage is
               available ONLY if the seed has been tested by a laboratory for seed borne
               ascochyta blight with 0.3% or less (3/1000, 1/400) incidence of ascochyta
               blight present in the seed and the seed has been treated for ascochyta
               blight.

               Insurance will not attach to any acreage on which garbanzo beans (chickpeas)
               have been planted in either of the three preceding crop years.



 3BT   2003    For the NIBR practices the Approved Black Turtle Soup Varieties are:
                                                       Black Magic
                                                       Domino
                                                       Midnight
                                                       Onyx
                                                       Panther
                                                       Phantom
                                                       T-39
                                                       UI-906
                                                       Shadow
                                                       UI-911
                                                       A.C. Harblack
               Varieties not approved above will be insurable only by written agreement.
               Requests for written agreements must be signed by you and submitted to
               your crop insurance agent by the sales closing date.




 3BU   2003    Approved Small Kabuli Garbanzo Varieties: AMIT
                                                         B-90



 3BV   2003    If funding is available, you may be eligible to participate in a cost-share
               program in this county.  Under such a cost-share program, RMA may pay a
               percentage of the amount of farmer owed premium and/or all or a portion
               of the administrative fee.  The percentage of premium and amount of
               administrative fee paid by FCIC will be determined by the amount of funds
               made available and the number of participants.  If funding is made available,
               the amount of premium and/or administrative fee to be paid by FCIC will be
               reflected on the billing statement.

 3BW   2003    In lieu of Section 3 (d), of the Chile Pepper Pilot Crop Provisions
               amount of insurance per acre for progressive Stage 1 is 40%.

 3BY   2003    Available coverage level and payment rate combinations, premium subsidy
               factors and administrative fees are as follows.

               Coverage     Payment     Minimum Number of         Premium
               Level        Rate        Agricultural Commodities  Subsidy  Administrative
               Percentage   Percentage  Produced                  Factor   Fee
               65           75                  1                  .59     $30
               65           90                  2*                 .59     $30
               75           75 or 90            2*                 .55     $30
               80           75 or 90            4*                 .48     $30

               * To qualify for any coverage level and payment rate combination other than
               the 65 percent coverage level with the 75 percent payment rate (65/75), you
               must produce at least the minimum number of commodities shown in the chart
               above. The expected allowable income from each of the minimum number of
               commodities required (2 for 65/90, 75/75, 75/90, or 4 for 80/75 or 80/90)
               must be equal to or exceed the dollar amount determined as follows:
               (1) Divide 1.0 by the number of commodities shown on your farm report and
                   round to 3 decimal places;
               (2) Multiply the result of (1) by 0.333; and
               (3) Multiply the result of (2) by the total expected allowable income
                   shown on your farm report.

               Notwithstanding the above, insurance will not be provided when the expected
               allowable income from potatoes is greater than 83.35 percent of the total
               expected allowable income for the insurance year.

 3CA   2003    For Sweet Cherries (Processing), the minimum value to be used
               for harvested and appraised production will be $0.24 per pound.

 3CB   2003    For Sweet Cherries (Fresh Market), the minimum value to be used
               for harvested and appraised production will be $0.30 per pound.
               For Sweet Cherries (Processing), the minimum value to be used
               for harvested and appraised production will be $0.24 per pound.

 3CC   2003    If you selected Option I of the Minimum Value Option, the minimum
               value option price is $0.16 per pound for Sweet Cherries (Processing).
               If you selected Option II of the Minimum Value Option, the minimum
               value option price is $0.08 per pound for Sweet Cherries (Processing).

 3CD   2003    If you selected Option I of the Minimum Value Option, the minimum
               value option price is $0.20 per pound for Sweet Cherries (Fresh Market).
               If you selected Option II of the Minimum Value Option, the minimum
               value option price is $0.10 per pound for Sweet Cherries (Fresh Market).

 3CE   2003    For Sweet Cherries (Fresh Market), the minimum value to be used for
               harvested and appraised production will be $0.30 per pound.

 3CF   2003    In lieu of the definition of late planting period in Section 1 of the
               Basic Provisions, the late planting period begins the day after the
               final planting date for the insured crop and ends 20 days after the final
               planting date.

 3CH   2003    Frost and Freeze will not be insured perils for fall planted barley and
               wheat.


 3CI   2003    Certified Seed Endorsement Guarantee: For the purpose of Section 8 of the
               Certified Seed Endorsement, the dollar amount per hundredweight (cwt) is
               $3.00 for acreage within Seed Potato Crop Management Areas as authorized
               under Title 22 Chapter 10 of Idaho Code (Rate Class Option Code 'CH'
               applicable).  For acreage not within a Seed Potato Crop Management Area the
               dollar amount per hundredweight (cwt) is $1.00 (Rate Class Option Code 'CL'
               applicable). Section 2.(b) of the Northern Potato Crop Provisions shall not
               be applicable to the certified seed endorsement price election.

 3CJ   2003    Certified Seed Endorsement Guarantee: For the purpose of Section 8 of the
               Certified Seed Endorsement, the dollar amount per hundredweight (cwt) is
               $3.00 for acreage within Seed Potato Isolation District as authorized
               under Chapter 15.15 of RCW (Rate Class Option Code 'CH' applicable).  For
               acreage not within a Seed Potato Isolation District the dollar amount per
               hundredweight (cwt) is $1.00 (Rate Class Option Code "CL' applicable).
               Section 2.(b) of the Northern Potato Crop Provisions shall not be applicable
               to the certified seed endorsement price election.

 3CK   2003    Certified Seed Endorsement Guarantee: For the purpose of Section 8 of the
               Certified Seed Endorsement, the dollar amount per hundredweight (cwt) is
               $1.00.  Section 2.(b) of the Northern Potato Crop Provisions shall not be
               applicable to the certified seed endorsement price election.

 3CL   2003    Insurance shall not attach on any acreage on which dry beans, potatoes,
               sunflowers, soybeans, rape or mustard have been planted the preceding
               crop year.



 3CM   2003    Insurance will not attach to any acreage on which potatoes, dry beans,
               soybeans or sunflowers were planted the preceding year.




 3CN   2003    Insurance will not attach to any acreage on which potatoes, sugar beets,
               or sunflowers were planted the preceding crop year.



 3CO   2003    Acreage of forage will not be insurable the ninth and succeeding crop years
               after the year of establishment.


 3CP   2003    If greater than twenty five percent (25%) of production is intended to be
               utilized by the insured (i.e.: feeding their own livestock), a pre-harvest
               inspection is required.  The company must be notified 15 days before harvest
               begins. A pre-harvest appraisal is required if acceptable production records,
               as described in the Crop Insurance Handbook, will not be available.

 3CR   2003    In addition to section 3 of the Cabbage Pilot Crop Provisions, if
               different price elections are offered for the fresh and processing
               practices, you may select one price election for each of these practices.

 3CS   1997    CERTIFIED SEED POTATO OPTION GUARANTEE AND PREMIUM:
                 The certified seed potato option guarantee per acre shall be computed
               by multiplying the selected production guarantee for such acreage times
               $1.00.
                 Premium Amount Per Acre for the certification guarantee shall be computed
               by multiplying the production guarantee per acre time $1.00, times the
               certification guarantee premium rate for the elected coverage level.

 3CT   2003    A pure stand of birdsfoot trefoil or a stand of birdsfoot trefoil and
               grass in which 60 percent or more of the ground cover is birdsfoot trefoil.

 3CU   2003    A mixed stand of birdsfoot trefoil and grass in which birdsfoot trefoil
               comprises more than 25 percent but less than 60 percent of the ground
               cover.


 3CV   2003    ADEQUATE STAND/MINIMUM REQUIRED for living Alfalfa plants (Types 551/552)
               or Birdsfoot Trefoil plants (Type 556/557) per square foot, for each year
               after the year of establishment.

                                  1st     2nd     3rd    4th      5th     6th
                                  Year    Year    Year   Year     Year    Year
                                  --------------------------------------------
               Alfalfa            9.0     6.0     4.5    4.5      4.5       *
               ---------------------------------------------------------------
               Alfalfa Grass      6.0     4.0     3.0    3.0      3.0       *
               ---------------------------------------------------------------
               Birdsfoot Trefoil  9.0     6.0     4.5    3.5      3.5       *
               ---------------------------------------------------------------
               Birdsfoot Trefoil  6.0     4.0     3.0    3.0      3.0       *
                Grass

               *Overage, not insurable for the type/practice.

 3CW   2003    ADEQUATE STAND/MINIMUM REQUIRED for living plants per square foot after the
               year of establishment:  Hay All Types - Adequate stand (forage plants per
               square foot) 3.0 the first year; 2.0 the second year; 1.5 the third through
               eighth year.

 3CX   2003    Any acreage of alfalfa, alfalfa grass mixture, birdsfoot trefoil or
               birdsfoot trefoil grass mixture will not be insurable the sixth and
               succeeding crop years after the year of establishment.

 3CZ   2003    For acreage where insurance will attach on May 22, following the year
               of establishment, a revised acreage report may be taken until June 30.

 3DA   2003    For purposes of Section 10(c), Causes of Loss:  For processing cucumbers
               to be insurable there must be placed in or adjacent to each field no less
               than 1 active bee hive per acre.  The hives must remain there from 6 days
               after flowers are present until 4 days before the last harvest.


 3DC   2003    Farrow to Finish (804): Expected cost of feed and actual cost of feed
               equations will use 12.95 bushels of corn and 184.89 pounds of soybean meal.

 3DE   2003    Finishing (805): Expected cost of feed and actual cost of feed equations
               will use 10.41 bushels of corn and 149.46 pounds of soybean meal.

 3DF   2003    Assumed weight of swine at marketing will be 260 lbs.

 3DG   2003    The application for Livestock Gross Margin coverage will not be accepted
               if the premium is not paid at the time of application.

 3DH   2003    Livestock Gross Margin coverage has limited underwriting capacity, which
               will be distributed through the Federal Crop Insurance Corporations (FCIC)
               underwriting capacity manager. The underwriting capacity will be distributed
               on a first come, first served basis. Livestock Gross Margin coverage will
               not be offered for sale after the capacity is depleted or at any time the
               underwriting capacity manager is not functional.


 3DI   2003    PLUMS VARIETIES BY VARIETAL GROUP
               Following are the acceptable Plums varieties for each varietal group. Any
               variety not listed will be insured under the early varietal group until
               such time as it is classified by the California Tree Fruit Agreement and
               added to the approved list for the following year. Producers must continue
               to insure all Plums acreage in a county.

               EARLY SEASON - Ambra, Andys Pride, Black Beaut, Black Giant, Dolly, Durado,
               Earliqueen, First Beaut, First Jewel, Frontier, Gar Beaut, Gar Rosa,
               May Rosa, Murietta, New Lane, Passion, Prima Black, Prima Dona, Red Beaut,
               Red Noble, Red Nugget, Red Roy, Rich Red, Rosa Ann, Rose Ann, Rose Zee,
               Royal Red, Royal Zee, Santa Rosa, Scarlet Ram, Showtime, Spring Beaut,
               Westener, Others

               MID-SEASON - 276-051, Aleta Rose, Andy's Best, Black Diamond, Black Gold,
               Black Jack, Black Premium, Black Torch, Blackamber, Burgandy, Catalina,
               Challenger, Early Black Diamond, Early Friar, Early Hawaiian Ann,
               Early Simka, Ebony, El Dorado, Fortune, Frank Ann, Friar, Grand Rosa,
               Hirome Red, Improved Late Santa Rosa, JD Red, Joanna Red, July Red,
               July Santa Rosa, June Beaut, Laroda, Late Santa Rosa, Mariposa, Midsummer,
               Onyx Jewel, Prime Time, Purple Majesty, Queen Rosa, Red Jewel, Red Lane,
               Rojo Grande, Royal Diamond, Royal Garnet, Simka, Sir George, Sugar Prune,
               Sunrise, Ticino/Tulare Giant, Wickson, Wool/Monte Red.

               LATE-SEASON - 4949 Black, 707 Prune, 92-99R, Angee, Angeleno, Autumn Beaut,
               Autumn Giant, Autumn Jade, Autumn Pride, Autumn Rose, Betty Anne,
               Black Flame, Black Knight, Candy Black, Candy Red, Carolyn Harris,
               Casselman, Cherry Red, Ebony Jewel, Ebony Sun, Elephant Heart,
               Emerald Beaut, Empress, Freedom, French Improved Prune, French Prune,
               Gar Arias, Gar Fantasy, Gar Jumbo, Gar Red, Golden Globe, Howard Sun,
               J.E. Sun, Kelsey, King David, King Diamond, King James, King Richard,
               Kingo Black, King's Black, Linda Rosa, Maragoni Black, Mid Red/Tiger Red,
               Monster Red, Moyer Prune, Nubiana, October Gem, October Sun, Patty Anne,
               President, Prima Rosa, Queen Ann, Red Giant, Red Ram, Red Rosa, Red Sun,
               Rosemary, Royal Star, Roysum, Ruby Red, Scarlet Sun, September King,
               Sharron's Plum, Sierra Sweet, Standard, Sweet Mirriam, Sweetheart,
               Touchdown.





 3DK   2003    Insurance shall not attach to any acreage on which potatoes were planted
               the preceding crop year.

 3DL   2003    In lieu of Section 9 of the Processing Chile Pepper Crop Provisions,
               chile peppers planted to acreage that incurred a cause of loss due to
               frost or freeze, in the first progressive stage of insurance coverage
               the previous crop year, shall be insurable.

 3DM   1998      **NIBR - Planted with a single implement which is designed to place the
               seed (at the proper depth) into the soil in any pattern which does not
               permit weed control using a row cultivator.  Acreage on which seed is first
               broadcast onto the surface of the soil using any implement or aircraft, and
               on which the seed subsequently is incorporated into the soil, is not
               insurable under this practice.

 3DN   2003    Pinkeye beans will be insurable as Blackeye beans.

 3DO   2004    There is a one-year lag period in reporting production.  Production
               reports through the 2002 crop year are required for the 2004 crop year.
               Any unit that does not have a 2002 crop year production report is
               uninsurable for the 2004 crop year.

 3DP   2003    Grading standards for the appropriate crop: U.S. No. 1 as shown in the
               United States Standards for Grades of:

               Apricots effective October 28, 1994
               Nectarines effective April 23, 1966
               Peaches effective October 2, 1995; or as amended, if applicable.

 3DR   2003    Replant Per Acre:  The maximum amount of the replanting payment per
               acre will be $175.00.

 3DS   2003    Any acreage in this county designated as uninsurable or unclassified on
               the FCI-33 CROP INSURANCE ACTUARIAL MAP will not insurable unless such
               acreage is classified by an FCI-33 CROP INSURANCE ACTUARIAL SUPPLEMENT.

 3DT   2003    Minimum Value:
               The minimum value to be used for harvested and appraised production will
               be $3.75 per 50 pound bushel for machine harvested acreage and $2.15 per
               50 pound bushel for hand harvested acreage.

 3DU   2003    Allowable Cost:
               Allowable cost for harvested production will include the actual cost
               of harvesting, grading, packing containers, hauling and selling not to
               exceed $0.22 per 50 pound bushel for machine harvested acreage and
               $3.37 per 50 pound bushel for hand harvested acreage.


 3DW   2003    Producers can continuous crop cucumbers, two (2) crops in a crop year
               (Spring and Fall), provided the land is allowed to lay fallow or rotated
               with a crop other than any member of the cucurbit family.

 3EA   2003    Clams initially seeded at more than 75 per square foot, will not be
               insurable against QPX.

 3EB   2003    Seed clams planted after November 30, 2002 that were produced from parent
               clams that were obtained from the waters of South Carolina or states to
               the South will not be insurable against QPX.  Documentation from the seed
               producer certifying that parent clams were obtained from the waters of
               North Carolina or states to the North will be required at loss time to
               claim a loss due to QPX.

 3EC   2003    Minimum Value:  The minimum value to be used for harvested and appraised
               production will be $2.60 per carton.

 3ED   2003    Allowable cost for harvested production will include the actual cost of
               picking, grading, packing containers, hauling and selling not to exceed
               $5.50 per bushel per 30 pound carton.

 3EE   2003    In lieu of Section 17 of the Fresh Market Bean Crop Provisions, Minimum
               Value Option:  There will be no minimum value options available for this
               county.

 3EF   2003    In lieu of Section 9 (a), (b) (1) of the Fresh Market Bean Crop
               Provisions, Insurable Acreage:  It will not be considered practical
               to replant fresh market beans if 50 percent or more of a stand is
               remaining, and if replanting will result in the inability of the
               replanted acreage to reach maturity prior to the end of insurance
               period.  However, if replanting is practical and you decide not to
               replant, the guarantee will be reduced to the applicable growth stage
               guarantee.


 3EG   2003    In lieu of Section 12 of the Fresh Market Bean Crop Provisions, Replant
               Payments:  Replant payments will not be applicable to this county.

 3EH   2003    Producers can continuous crop snap beans, two (2) crops in a crop year,
               provided the land is allowed to lay fallow or rotated with a non-leguminous
               crop.

 3EJ   2003    Insurance shall not attach or be considered to have attached on any acreage
               that is non-irrigated and from which, in the same calender year:
               1) a hay crop was harvested (including a harvested small grain hay crop);
               2) a small grain crop reached the headed stage (regardless of the percentage
               of small grain plants that reached the headed stage); or 3) a crop was
               grazed past Februrary 15.



 3EK   2003    The final planting date for acreage located south of Colorado Highway 86
               in Townships 8, 9, and 10 South and Ranges 63, 64, and 65 West will be
               May 25. Acreage in these areas will not be insured if it is planted prior
               to May 10. In addition, for this area only, in lieu of the definition of
               "late planting period" in Section 1 of the Basic Provisions, the late
               planting period begins the day after the final planting date for the
               insured crop and ends 15 days after the final planting date.



 3EL   2003    Insurance shall not attach or be considered to have attached on any acreage
               that is non-irrigated and from which, in the same calender year:
               1) a hay crop was harvested (including a harvested small grain hay crop);
               2) a small grain crop reached the headed stage (regardless of the percentage
               of small grain plants that reached the headed stage); or 3) a crop was
               grazed past March 01.



 3EM   2003    Insurance shall not attach or be considered to have attached on any acreage
               that is non-irrigated and from which, in the same calender year:
               1) a hay crop was harvested (including a harvested small grain hay crop);
               2) a small grain crop reached the headed stage (regardless of the percentage
               of small grain plants that reached the headed stage); or 3) a crop was
               grazed past March 15.




 3EN   2003    Includes white and yellow storage type varieties contracted for dehydration
               and processing utilization only.

 3ES   2003    In addition to the provisions of Section 6 of the Pilot Sweetpotato
               Crop Provisions we will insure only sweetpotatoes grown by a person
               who has grown sweetpotatoes for commercial sale three years out of
               the five previous years.

 3ET   2003    If your acreage of sweetpotatoes in this county for the current crop
               year exceeds 110 percent for the greatest number of acreage of insurable
               sweetpotatoes that you produced in this county for any one of the three
               previous years, your production guarantee (per acre) for the current
               crop year will be reduced as follows:

               (a) Multiply the greatest number of acres of insurable sweetpotatoes
               that you produced in this county in any one of the three previous years
               by 1.10;
               (b) Divide the result by the number of acres of insurable sweetpotatoes
               produced by you in this county in the current crop year; and
               (c) Multiply the resulting factor (not to exceed 1.0) by the production
               guarantee (per acre) for the current year.

               If you are a new insured, you must provide written verification of
               acreage data from the Farm Service Agency or Extension Service to the
               company representative by the time of application.

               All production from your total acreage of insurable sweetpotatoes
               produced in this county in the current crop year will be counted in
               the event of a loss.

               This limitation will not apply to an acreage increase of five or less
               acres.



 3EV   2003    A classification size minimum of 1/2 (one half) inches in diameter for GRAPE
               tomatoes applies to the definition of potential production under Section 1
               and to Section 13.  Settlement of Claim - (c)(1)(iii)(B) and (c)(2)(ii)(B).






 3EW   2003    In lieu of section 8(e)(4) of the Guaranteed Production Plan of Fresh Market
               Tomato Crop Provisions, and in accordance with section 8(e) of these crop
               provisions, CHERRY, GRAPE, ROMA, AND PLUM type tomatoes will be
               insurable in this county.






 3EX   2003    A classification size minimum of 1.5 inches in diameter and 2.0 inches in
               length for PLUM and ROMA tomatoes applies to the definition of potential
               production under Section 1. and to Section 13.  Settlement of Claim -
               (c)(1)(iii)(B) and (c)(2)(ii)(B).


 3EY   2003    A carton of CHERRY or GRAPE tomatoes is defined as a container that contains
               12 one pint baskets or a total weight of 15 pounds.



 3EZ   2003    In accordance with Section 12(b)(2) of the Guaranteed Production Plan of
               Fresh Market Tomato Crop Insurance Provisions, the replanting payment per
               acre for CHERRY, GRAPE, ROMA, and PLUM tomatoes will be the same as
               specified in Section 12(b)(1).


 3FA   2003    Adjusted Gross Revenue (AGR) insurance will be limited to individual policies
               with AGR liability of $6.5 million or less.  Policies with more than $6.5
               million AGR liability are not eligible for insurance.

 3FB   2003    When the sum of expected allowable income for the insurance year from
               avocados, olives, pecans and pistachios is more than 20.0 percent of the
               total expected allowable income for the insurance year, and years one,
               three and five of allowable income in the AGR income history are lower than
               80.0 percent of the simple average of the AGR income history, the approved
               AGR will be based on the years one, three, and five of allowable income in
               the AGR income history.

 3FC   2003    A crop inspection is required the first year of insurance, if the sum of
               expected allowable income from avocados and citrus is 20.0 percent of the
               total expected allowable income for the insurance year. Regardless of the
               percentage of expected income, an inspection is required if there is any
               known damage to these crops prior to the time coverage begins. The approved
               AGR will be adjusted to reflect any damage that occurred prior to the date
               insurance attaches.  In addition to the farm report for the insurance year,
               a report of expected allowable income from avocados and citrus reflecting
               any damage that will affect the expected allowable income for the subsequent
               insurance year must be provided no later than the sales closing date for the
               current insurance year.

 3HA   2003    In accordance with Section 3(d) of the Guaranteed Production Plan of
               Fresh Market Tomato Crop Insurance Provisions, the stages and production
               guarantees for CHERRY, GRAPE, ROMA, and PLUM type tomatoes will be
               the same as specified in Section 3(b)(2).





 3HB   2003    A classification size minimum of 3/4 inch in diameter for CHERRY tomatoes
               applies to the definition of potential production under Section 1. and to
               Section 13.  Settlement of Claim (c)(1)(iii)(B) and (c)(2)(ii)(B).






 3HC   2003    Any acreage planted to hay barley varieties (including, but not limited to,
               Haybet, Westford, Bestford, Washford, Ridawn or Horsford) is not insurable.

 3JA   2003    In lieu of Section 10 of the Fresh Market Bean Crop Provisions, the
               end of insurance period for spring planted beans will be July 15.

 3JB   2003    In lieu of Section 10 of the Fresh Market Bean Crop Provisions, the
               end of insurance period for spring planted beans will be July 10.

 3KA   2003    Savoy cabbage and Chinese cabbage, including other Oriental greens, are
               not insurable.

 3KD   2003    If your acreage of insurable cabbage types in this county for the current
               crop year exceeds 125 percent of the greatest number of acres of insurable
               cabbage types that you produced in this county for any one of the three
               previous crop years, your production guarantee (per acre) for the current
               crop year will be reduced as follows:
               (a) Multiply the greatest number of acres of insurable cabbage types that
               you produced in this county in any one of the three previous crop years
               by 1.25;
               (b) Divide the result by the number of acres of insurable cabbage types
               produced by you in this county in the current crop year; and
               (c) Multiply the resulting factor (not to exceed 1.0) by the production
               guarantee (per acre) for the current crop year.

               You must provide written verification of acreage data from the Farm Service
               Agency or Extension Service to the company representative by the time of
               application if you are a new insured or by the sales closing date if you are
               a carry-over insured.

               All production from your total acreage of insurable cabbage types produced
               in this county in the current crop year will be counted in the event of a
               loss.

               This limitation will not apply to:
               (a) An acreage increase of five or less acres; or
               (b) Any acreage of processing cabbage under contract.

               New producers or those who have not grown commercial fresh cabbage in one
               of the last three years, will be limited to a maximum insurable acreage of
               five acres.  For purposes of this statement, a new producer is a producer
               who has never grown cabbage in this county.

               This statement applies to all acreage in the county for the crop year.

 3KL   2003    Pecans previously interplanted with peaches are insurable in this county.

 3LE   2003    Guaranteed Production Plan Tobacco Only. A 10 percent discount in
               premium will be made when a basic or policy unit is not divided into
               optional units earning premium.

 3P1   2003    In lieu of the definition of Average support price per pound contained in the
               Peanut Crop Provisions (99-075)(Rev.7/99), the loan rate applicable for each
               peanut type, as announced each year by the U.S. Department of Agriculture, will
               be considered the average support price per pound for the type for the crop
               year.

 3P2   2003    In lieu of the definition of Average price per pound contained in the Peanut
               Crop Provisions (99-075)(Rev.7/99), the average price per pound, by type, will
               be the average support price per pound, by type, as defined in the Special
               Provisions of Insurance for peanuts.

 3P3   2003    In accordance with the Peanut Crop Provisions (99-075)(Rev.7/99), all insured
               peanuts will be considered non-quota for all aspects of the policy, including
               the determination of price elections and calculation of premium, liability, and
               indemnity.

 3PA   2003    In accordance with section 3(c) of the Peanut Crop Provisions
               (99-075)(Rev.7/99), you must submit annual production reports to establish an
               approved yield used to establish your production guarantee.  Annual production
               reports must be submitted in accordance with section 3(c) of the Basic
               Provisions.

 3PB   2003    In lieu of the definition of county contained in the Peanut Crop Provisions
               (99-075) (Rev.7/99), the county will be defined in accordance with section 1 of
               the Basic Provisions.

 3QJ   2003      ** Insurance will attach only on potatoes planted during the period of
               March 1 - May 15.

 3QK   1999      ** Insurance will attach only on potatoes planted during the period of
               June 10 - August 1.

 3UD   2003    Optional unit division is NOT available by section or section equivalent.
               Optional unit division is available based on Farm Serial Number (FSN) and
               any other method specified in the Revenue Assurance Policy Basic Provisions or
               Crop Provisions except section or section equivalent.  To be eligible for the
               available methods of optional unit division, you must meet all applicable
               requirements.

 3ZA   2003    In lieu of the definition of "Catastrophic risk protection" contained in
               section 1 of the Group Risk Plan of Insurance Basic Provisions, the
               definition of Catastrophic risk protection will be as follows:

                 Catastrophic risk protection - The minimum level of coverage offered
                 by FCIC.  For GRP, an amount of protection equal to 45 percent of the
                 maximum protection per acre specified in the actuarial documents for
                 the crop, practice, and type with an indemnity triggered at 65 percent
                 of the expected county yield.


 3ZZ   1996    See the County Special Provisions document and the County FCI-35
               Supplement (ASCS Tract Number), Crop Insurance Actuarial Rate
               Classification Listing, for determination of high risk or unrated areas.

 40X   2003    Other type or classes of Beans will be insurable only by written
               agreement.  Contact your crop insurance agent by the sales closing
               date to determine eligibility requirements.

 43F   1997    For insurance to attach to any acreage under the Certified Seed Potato
               Option Amendment, such acreage and/or seed lot stock used must initially
               meet the requirements prescribed by the certifying agency for entry into
               the seed certification program for seed production to be eligible under
               the following classes:  Premier Foundation Seed (Generation III),
               Foundation Seed (Generation IV) or Certified Seed (Generation V).

               For acreage insured without the Certified Seed Potato Option Amendment,
               insurance will attach only to such acreage planted with Certified Seed
               (Generation V) or better (Foundation-Generation IV or Premier Foundation-
               Generation III Seed).

 4A1   2003    Rate map area 001 is applicable to all producers unless classified
               otherwise by the Corporation.

 4AB   2003    Land planted to the insured crop the first three crop years following
               the clearing of trees or brush will be insurable only by written
               agreement.  Contact your crop insurance agent by the sales closing date
               to determine eligibility requirements.

 4AI   2003    * Peach varieties with a chilling hour requirement of 700 hours or
               less are unisurable in this county.

 4AK   1997    Any acreage of alfalfa the fourth and succeeding crop years after the
               year of establishment will be insurable only by written agreement.  If
               you were insured last year, you must make a request through your crop
               insurance agent for coverage on overage stands by October 31 preceding
               the sales closing date.  New insureds must make requests by November
               30.  An inspection or other acceptable evidence of an adequate stand
               must accompany the request and is required to determine if the acreage
               is insurable.  Any request for coverage on overage stands, including
               supporting documentation, which is not submitted by the applicable dates
               provided above, will be denied and your overage stand will not be
               insurable.  Contact your crop insurance agent for more information on
               overage stands.

 4AY   2003    Insurance will not attach to any acreage on which potatoes were planted in
               either of the two preceding crop years or sunflowers were planted in the
               preceding crop year; however, if acreage had not been previously
               cultivated, potatoes will be insurable any two of the first three crop
               years.

 4AZ   1998    Any acreage in this county for which a rate has not been established or
               which has been designated as uninsurable or unclassified on the FCI-33
               CROP INSURANCE ACTUARIAL MAP will be insurable only by written agreement,
               unless such acreage is classified by an FCI-33 CROP INSURANCE ACTUARIAL
               SUPPLEMENT.  Classification codes beginning with the letter 'A' on the
               county FCI-33 CROP INSURANCE ACTUARIAL MAP are classifications for FCIC
               identified high risk land.  THE FCI-35 rate classification 'AAA' will
               apply for high risk land.  Contact your crop insurance agent by the sales
               closing date to determine eligibility requirements.

 4B    1999    Land which has been seeded to rice for the two preceding crop years will
               be insurable only by written agreement.  Contact your crop insurance agent
               by sales closing date to determine eligibility requirements.

 4B1   1998    MINIMUM VALUE:
               The minimum value to be used for harvested and appraised production will be
               $2.00 per 42-pound crate for practices 120 (Fall Planted Irrigated) and
               320 (Spring Planted Irrigated).  The minimum value to be used for harvested
               and appraised production will be $4.00 per 42-pound crate for practice 220
               (Winter Planted Irrigated).

               ALLOWABLE COST:
               The allowable cost for harvested production will include the actual cost
               of harvesting, grading, packing containers, hauling and selling not to
               exceed $2.50 per 42-pound crate.

 4B5   2003    No-till canning or processing beans will be insurable only by written
               agreement.  Contact your crop insurance agent by the sales closing date
               to determine eligibility requirements.

 4BL   2003    Land located within the boundaries of the levee(s) that confine any
               1. river 2. channel 3. bypass 4. settling basin or 5. creek is insurable
               only by written agreement.  Contact your crop insurance agent by the sales
               closing date to determine eligibility requirements.

 4C5   1997    Any acreage of alfalfa the fifth and succeeding crop years after the year
               of establishment will be insurable only by written agreement.  If you
               were insured last year, you must make a request through your crop
               insurance agent for coverage on overage stands by October 31 preceding
               the sales closing date.  New insureds must make requests by November 30.
               An inspection or other acceptable evidence of an adequate stand must
               accompany the request and is required to determine if the acreage is
               insurable.  Any request for coverage on overage stands, including
               supporting documentation, which is not submitted by the applicable dates
               provided above, will be denied and your overage stand will not be
               insurable.  Contact your crop insurance agent for more information on
               overage stands.

 4C7   1996    Any acreage of Grass Mixture the seventh and succeeding crop years after
               the year of estabishment will be insurable only by written agreement.  If
               you were insured last year, you must make a request through your crop
               insurance agent for coverage on overage stands by October 31 preceding the
               sales closing date.  New insureds must make requests by November 30.  An
               inspection or other acceptable evidence of an adequate stand must accompany
               the request and is required to determine if the acreage is insurable.  Any
               request for coverage on overage stands, including supporting documentation,
               which is not submitted by the applicable dates provided above, will be
               denied and your overage stand will not be insurable.  Contact your crop
               insurance agent for more information on overage stands.

 4CC   1997    Any acreage of alfalfa the fourth and succeeding crop years after the
               year of establishment or alfalfa-grass mixtures the sixth and succeeding
               crop years after the year of establishment will be insurable only by
               written agreement.  If you were insured last year, you must make a
               request through your crop insurance agent for coverage on overage
               stands by October 31 preceding the sales closing date.  New insureds
               must make requests by November 30.  An inspection or other acceptable
               evidence of an adequate stand must accompany the request and is required
               to determine if the acreage is insurable.  Any request for coverage on
               overage stands, including supporting documentation, which is not submitted
               by the applicable dates provided above, will be denied and your overage
               stand will not be insurable.  Contact your crop insurance agent for more
               information on overage stands.

 4CE   1997    Any acreage of alfalfa the third and succeeding crop years after the year
               of establishment or alfalfa-grass mixtures the fifth and succeeding crop
               years after the year of establishment will be insurable only by written
               agreement.  If you were insured last year, you must make a request through
               your crop insurance agent for coverage on overage stand by October 31
               preceding the sales closing date.  New insureds must make requests by
               November 30.  An inspection or other acceptable evidence of an adequate
               stand must accompany the request and is required to determine if the
               acreage is insurable.  Any request for coverage on overage stands,
               including supporting documentation, which is not submitted by the
               applicable dates provided above, will be denied and your overage stand
               will not be insurable.  Contact your crop insurance agent for more
               information on overage stands.

 4CI   1997    Any acreage of alfalfa or alfalfa-grass mixtures the fourth and
               succeeding crop years after the year of establishment or grass-
               mixtures the third and succeeding crop years after the year of
               establishment will be insurable only by written agreement. If you
               were insured last year, you must make a request through your crop
               insurance agent for coverage on overage stands by October 31 preceding
               the sales closing date.  New insured must make requests by November 30.
               An inspection or other acceptable evidence of an adequate stand must
               accompany the request and is required to determine if the acreage is
               insurable.  Any request for coverage on overage stands, including
               supporting documentation, which is not submitted by the applicable dates
               above, will be denied and your overage stand will not be insurable.
               Contact your crop insurance agent for more information on overage
               stands.

 4CJ   2001    The definition of year of establishment is:

                   the calendar year of seeding, if the crop is spring-seeded, or
                   the calendar year following seeding, if the crop is fall-seeded.
                   (e.g., The year of establishment for a crop seeded on or before
                    June 30, 1990 (spring-seeded) is 1990.  The year of establishment
                    for a crop seeded on or after July 1, 1990 (fall-seeded) is 1991.)

 4D1   2000    Unless preplant fumigation of the soil is administered for the current crop
               year, loss of production due to Nematodes will not be an insurable cause of
               loss on any land that was planted to potatoes in either of the two
               preceding crop years.

 4D3   2002    Insurance will not attach to any acreage on which potatoes were planted
               in either of the two preceding crop years or sugar beets were planted in
               the preceding crop year; however, if acreage has not been previously
               cultivated, potatoes will be insurable any two of the first three crop
               years.

 4DB   2003    Non-irrigated light red and dark red kidney beans will be insurable
               only by written agreement.  Contact your crop insurance agent by the
               sales closing date to determine eligibility requirements.

 4DX   2003    All varietal stands within an orchard that are over 15 years of age
               will require an annual field inspection.  This annual inspection
               will be done at the discretion of the Regional Office.

 4ED   2003    Any non-irrigated acreage from which a hay crop was harvested (other
               than hay made from a damaged small grain crop) or a small grain crop
               was harvested for grain in the same calendar year will be insurable
               only by written agreement.  Contact your crop insurance agent by the
               sales closing date to determine eligibility requirements.

 4EE   1998    Any acreage from which a hay crop was harvested (other than hay made
               from a damaged small grain crop) or a small grain crop was harvested for
               grain the same calendar year will be insurable only by written
               agreement.  Contact your crop insurance agent by the sales closing date
               to determine eligibility requirements.

 4EY   1997    The rates for Type IV, Cling Peaches for Processing, are available by
               varietal group.  See the county Actuarial Document Book for the
               acceptable varieties for each varietal group.

 4F2   1996    APPROVED MALTING BARLEY VARIETIES:  Azure
                                                   B1602
                                                   Excel
                                                   Morex
                                                   Robust

               All varieties recommended for malting by the American Malting Barley
               Association, Inc.

               Varieties meeting the conditions set forth in the Malting Barley Option
               Amendment, but not shown as an approved variety, will be insured. Contact
               your crop insurance agent by the sales closing date to determine
               eligibility requirements.

 4F3   1999    APPROVED MALTING BARLEY VARIETIES:  Anheuser Busch 1602 (6-row)
                                                   Azure (6-row)
                                                   Excel (6-row)
                                                   Morex (6-row)
                                                   Robust (6-row)
                                                   Stander
                                                   Triumph

               All varieties recommended for malting by the American Malting Barley
               Association, Inc.

               Varieties meeting the conditions set forth in the Malting Barley Option
               Amendment, but not shown as an approved variety, will be insured.  Contact
               your crop insurance agent by the sales closing date to determine
               eligibility requirements.

 4F7   1998    APPROVED MALTING BARLEY VARIETIES:  B1202
                                                   B2601
                                                   Crest
                                                   Crystal
                                                   Excel
                                                   Galena
                                                   Harrington
                                                   Klages
                                                   Moravian III
                                                   Morex
                                                   Russell

               All varieties recommended for malting by the American Malting Barley
               Association, Inc.

               Varieties meeting the conditions set forth in the Malting Barley Option
               Amendment, but not shown as an approved variety, will be insurable. Contact
               your crop insurance agent by the sales closing date to determine
               eligibility requirements.

 4F8   1998    APPROVED MALTING BARLEY VARIETIES:  Anheuser Busch 1201 (2-row)
                                                   Anheuser Busch 1202 (2-row)
                                                   Anheuser Busch 2601 (6-row)
                                                   Clark (2-row)
                                                   Crystal (2-row)
                                                   Galena
                                                   Harrington (2-row)
                                                   Triumph
                                                   Klages (2-row)
                                                   Moravian III (2-row)
                                                   Morex (6-row)

               All varieties recommended for malting by the American Malting Barley
               Association, Inc.

               Varieties meeting the conditions set forth in the Malting Barley Option
               Amendment, but not shown as an approved variety, will be insured. Contact
               your crop insurance agent by the sales closing date to determine
               eligibility requirements.

 4F9   1998    APPROVED MALTING BARLEY VARIETIES:  B1202
                                                   B2601
                                                   Crest
                                                   Crystal
                                                   Excel
                                                   Harrington
                                                   Klages
                                                   Morex
                                                   Russell

               All varieties recommended for malting by the American Malting Barley
               Association, Inc.

               Varieties meeting the conditions set forth in the Malting Barley Option
               Amendment, but not shown as an approved variety, will be insured. Contact
               your crop insurance agent before the sales closing date to determine
               eligibility requirements.

 4FU   1998    Insurance will not attach to acreage on which potatoes were planted in each
               of the four preceding crop years, except on acreage classified Area 2 for
               reporting purposes.  Disease will not be an insurable cause of loss on
               such acreage.

 4G    1996      ****Grass mixture type will include any stand of forage in which
               Timothy grass comprises 55 to 99.9 percent of the ground cover, and the
               remaining will be clover and/or alfalfa of which alfalfa comprises less
               than 25 percent of the ground cover.

 4H    2003    Acreage will be insurable only by written agreement the first year it is
               in irrigated crop production.  Contact your crop insurance agent by the
               sales closing date to determine eligibility requirements.

 4H1   1999    Non-irrigated grain corn will be insurable as grain only by written
               agreement if you have non-irrigated corn grain for:

                    1.  A minimum of five (5) years Actual Production History (APH).

                    2.  A minimum of three (3) non-loss years.

                    3.  The production potential of the requested acreage must be
                        comparable to your submitted APH.

               Contact your crop insurance agent by the sales closing date to determine
               eligibility requirements.  If a written agreement is not approved, such
               insurable non-irrigated corn acreage will be insured as non-irrigated
               silage.

 4I    1998    Non-irrigated safflowers may be insurable only by written agreement.
               Contact your crop insurance agent by the sales closing date to determine
               eligibility requirements.

 4IN   1998    AMOUNT OF INSURANCE:
               The amount of insurance will be determined in accordance with the
               provisions of Section 4(b) of the Quota Plan of Tobacco Crop Insurance
               Policy.

 4JC   1998    ****Group B - 271 Insurable Varieties:  Chardonnay, Merlot, Cabernet
               varieties, and/or Pinot varieties.

 4JK   2000    ****Group C - 272 Insurable Varieties:  Grenache, Zinfandel, Limberger
               and other pink or red varieties not elsewhere identified.

 4KJ   2003    Any non-irrigated acreage from which a hay crop was harvested (other
               than hay made from a damaged small grain crop) or a small grain crop
               was harvested for grain in the same calendar year will be insurable only
               by written agreement.  Contact your crop insurance agent by the sales
               closing date to determine eligibility requirements.

 4KK   2004    Definition of with frost protection: Applicable only to acreage
               adequately protected by frost protection equipment.  This includes
               a minimum of 40 serviceable heaters per acre or serviceable wind
               machines that provide a minimum of 7 propeller horsepower per acre
               in Arizona. Regardless of horsepower, one wind machine can service
               no more than ten acres.  The adequacy of the frost protection equipment
               for a unit will be determined by the Corporation.

 4KL   1996    Acreage which is flood irrigated will be insurable as non-irrigated
               for insurance purposes unless we agree in writing to insure the
               acreage as irrigated.  Contact your crop insurance agent by the sales
               closing date to determine eligibility requirements.

 4KP   2004    Definition of with frost protection: Applicable only to acreage adequately
               protected by frost protection equipment.  This includes a minimum of
               40 serviceable heaters per acre or serviceable wind machines that
               provide a minimum of 5 propeller horsepower per acre in California.
               Regardless of horsepower, one wind machine can service no more than
               ten acres.  The adequacy of the frost protection equipment for a unit
               will be determined by the Corporation.

 4LE   2001    A 10 percent discount in premium will be made when a basic unit is not
               divided into optional units earning premium.

 4LF   2001    Land flooded due to a breach in a levee during the 1993 crop year is
               insurable.  However, insureds must request a rate on such acreage through
               their crop insurance agent by the sales closing date.  This request must
               be received in the applicable Regional Office within 20 days of the sales
               closing date.


 4NG   2004    The juice option will be applicable to any contract where a fresh fruit option
               has not been elected by the insured in accordance with the provision of the
               insurance policy.

 4NH   2003    Acreage initially planted in rows not far enough apart to permit
               cultivation will be insurable only by written agreement.  Contact
               your crop insurance agent by the sales closing date to determine
               eligibility requirements.

 4NI   2003    Only legumes of the genus PHASEOLUS and VIGNA which are harvested
               as mature dry beans are insurable.  Types or classes of dry beans of
               the genus, PHASEOLUS and VIGNA, not shown on the county coverage and
               rate table will be insurable only by written agreement.  Contact your
               crop insurance agent by the sales closing date to determine eligibility
               requirements.

 4NT   1996      **No-till type 31 (burley) tobacco is insurable at the same rates and
               coverages as conventional-till type 31 tobacco.

 4PG   1997    PRODUCTION GUARANTEE COMPUTATION:
               The total wet inshell pounds production guarantee per acre will be the
               percentage for the level you elect multiplied by the yield per acre
               approved by us for the insured acreage.

 4Q    2003    Any fall-seeded acreage which has been airplane or broadcast seeded will
               be insurable only by written agreement.  Contact your crop insurance
               agent by the sales closing date to determine eligibility requirements.

 4Q2   1997    The percentage factor, as stated on the Potato Quality Option, will be
               based on the actual average percentage of potatoes grading U.S. No. 1 or
               better for fresh market or U.S. No.2 or better for processing as deter-
               mined from your records.  If less than four year of records are available,
               the factor will be calculated as follows:

                *Years of Actual      Actual Average     **Default      Percentage
                   Percentage            Percentage      Percentage        Factor
                      Record                (AAP)           (DP)            (PF)

                        0                  (0 AAP)    +  (4 DP)/4     =      PF
                        1                  (1 APP)    +  (3 DP)/4     =      PF
                        2                  (2 AAP)    +  (2 DP)/4     =      PF
                        3                  (3 AAP)    +  (1 DP)/4     =      PF

               *Use of loss records showing the percentage of potatoes meeting the grade
               designations stated above must be used as an actual year of records for
               any year in which we determine the percentage of potatoes meeting the
               stated grades.

               **The default percentage is:

                            Fresh Market                    Processing

                                  #1                        #2 or Better

                                  70                             85

 4Q3   1997    The percentage factor, as stated on the Potato Quality Option, will be
               based on the actual average percentage of potatoes grading U.S. No. 1 or
               U.S. No. 2 or better for Group A potatoes or U.S. No. 2 or better for Group
               B potatoes as determined from your records.  If less than four years of
               records are available, the percentage factor will be calculated as follows:

               *Years of Actual      Actual Average       **Default       Percentage
                  Percentage          Percentage          Percentage        Factor
                    Records              (AAP)               (DP)            (PF)

                       0                 (0 AAP)     +     (4 DP)/4    =      PF
                       1                 (1 AAP)     +     (3 DP)/4    =      PF
                       2                 (2 AAP)     +     (2 DP)/4    =      PF
                       3                 (3 AAP)     +     (1 DP)/4    =      PF

               *Use of loss records showing the percentage of potatoes meeting the grade
               designations stated above must be used as an actual year of records for any
               year in which we determine the percentage of potatoes meeting the stated
               grades.

               **The default percentage is;

                             Fresh Market                      Processing

                         #1        #2 or Better               #1         #2 or Better

                Group A  60             70                    60              90
                Group B  70             75                    75              85

 4Q4   1997    The percentage factor, as stated on the Potato Quality Option, will be
               based on the actual percentage of potatoes grading U.S. No. 2 or better as
               determined from your records.  If less than four years of records are
               available, the percentage factor will be calculated as follows:

               *Years of Actual      Actual Average       **Default        Percentage
                  Percentage           Percentage         Percentage         Factor
                    Records              (AAP)               (DP)             (PF)

                       0                 (0 AAP)      +    (4 DP)/4     =      PF
                       1                 (1 AAP)      +    (3 DP)/4     =      PF
                       2                 (2 AAP)      +    (2 DP)/4     =      PF
                       3                 (3 AAP)      +    (1 DP)/4     =      PF

               *Use of loss records showing the percentage of potatoes meeting the grade
               designations stated above must be used as an actual year of records for
               any year in which we determine the percentage of potatoes meeting the
               stated grades.

               **The default percentage is:

                        Fresh Market                          Processing

                        #2 or Better                          #2 or Better

                                  85                                85

 4Q5   2003    The percentage factor, as stated on the Potato Quality Option, will be
               based on the actual average percentage of potatoes grading U.S. No. 1 or
               better as determined from your records.  If less than four years of records
               are available, the percentage factor will be calculated as follows:

               *Years of Actual       Actual Average      **Default        Percentage
                  Percentage           Percentage         Percentage          Factor
                   Records                (AAP)              (DP)             (PF)
                      0                  (0 AAP)      +    (4 DP)/4     =      PF
                      1                  (1 AAP)      +    (3 DP)/4     =      PF
                      2                  (2 AAP)      +    (2 DP)/4     =      PF
                      3                  (3 AAP)      +    (1 DP)/4     =      PF

               *Use of loss records showing the percentage of potatoes meeting the grade
               designations stated above must be used as an actual year of records for
               any year in which we determine the percentage of potatoes meeting the
               stated grades.

               **The default percentage is:

                        Fresh Market                        Processing

                        #1 or Better                        #1 or Better

                             85                                 85

 4Q6   1997    The percentage factor, as stated on the Potato Quality Option, will be
               based on the actual average percentage of potatoes grading U.S. No.1 or
               better as determined from your records.  If less than four years of records
               are available, the percentage factor will be calculated as follows:

               *Years of Actual     Actual Average       **Default        Percentage
                  Percentage          Percentage         Percentage         Factor
                    Records             (AAP)               (DP)             (PF)

                       0               (0 AAP)      +    (4 DP)/4     =       PF
                       1               (1 AAP)      +    (3 DP)/4     =       PF
                       2               (2 AAP)      +    (2 DP)/4     =       PF
                       3               (3 AAP)      +    (4 DP)/4     =       PF

               *Use of loss records showing the percentage of potatoes meeting the grade
               designations stated above must be used as an actual year of records for
               any year in which we determine the percentage of potatoes meeting the
               stated grades.

               **The default percentage is:

                            Fresh Market                         Processing

                            #1 or Better                         #1 or Better

                Russets              82                           82
                Others               85                           85

 4Q7   1997    The percentage factor, as stated on the Potato Quality Option, will be
               based on the actual average percentage of potatoes grading U.S. No. 1 or
               better as determined from your records.  If less than four years of records
               are available, the percentage factor calculated as follows:

               *Years of Actual      Actual Average       **Default        Percentage
                 Percentage           Percentage          Percentage         Factor
                   Records               (AAP)               (DP)             (FP)

                      0                 (0 AAP)     +      (4 DP)/4    =       PF
                      1                 (1 AAP)     +      (3 DP)/4    =       PF
                      2                 (2 AAP)     +      (2 DP)/4    =       PF
                      3                 (3 AAP)     +      (1 DP)/4    =       PF

               *Use of loss records showing the percentage of potatoes meeting the grade
               designations stated above must be used as an actual year of records for any
               year in which we determine the percentage of potatoes meeting the stated
               grades.

               **The default percentage is:

                            Fresh Market                   Processing

                            #1 or Better                   #1 or Better

                Russets            60                          60
                Red                75                          75
                White              75                          75

 4Q9   2003    The percentage factor, as stated on the Northern Potato Quality Endorsement,
               will be based on the actual average percentage of potatoes grading U.S. No. 1
               or U.S. No. 2 or better Group A potatoes or U.S. No. 1 or U.S. No. 2 or better
               Group B potatoes as determined from your records.  If less than four
               years of records are available, the percentage factor will calculated as
               follows:

               *Years of Actual        Actual Average       **Default        Percentage
                  Percentage             Percentage         Percentage          Factor
                    Records                (AAP)               (DP)              (PF)
                       0                  (0 AAP)     +     (4 DP)/4    =         PF
                       1                  (3 AAP)     +     (3 DP)/4    =         PF
                       2                  (2 AAP)     +     (2 DP)/4    =         PF
                       3                  (1 AAP)     +     (1 DP)/4    =         PF

               *Any actual average percentages must be submitted and certified in accordance
               with Actual Production History (APH) procedures. Use of loss records showing
               the percentage of potatoes meeting the grade designations stated above must be
               used as an actual year of records for any year in which we determine the
               percentage of potatoes meeting the stated grade.

               **The default percentage is:

                             Fresh Market                     Processing

                            #1       #2 or Better            #1          #2 or Better

                Group A     55            70                 55               90
                Group B     65            70                 65               90

 4QD   1997    Acreage planted using non-certified seed is insurable only if the seed
               stock is two years or less removed from certification.

 4QL   1997    The percentage factor, as stated on the Potato Quality Option, will be
               based on the actual average percentage of potatoes grading U.S. No. 1 or
               U.S. No. 2 or better for Group A potatoes or U.S. No. 2 or better for Group
               B potatoes as determined from your records.  If less than four years of
               records are available, the percentage factor will be calculated as follows:

                *Years of Actual     Actual Average     ** Default    Percentage
                   Percentage          Percentage       Percentage      Factor
                     Records              (AAP)            (DP)          (PF)

                        0                (0 AAP)    +    (4 DP)/4    =    PF
                        1                (1 AAP)    +    (3 DP)/4    =    PF
                        2                (4 AAP)    +    (2 DP)/4    =    PF
                        3                (3 AAP)    +    (1 DP)/4    =    PF

               *Use of loss records showing the percentage of potatoes meeting the grade
               designations stated above must be used as an actual year of records for any
               year in which we determine the percentage of potatoes meeting the stated
               grades.

               **The default percentage is:

                           Fresh Market                  Processing

                         #1         #2 or Better           #1        #2 or Better

               Group A   60              70                60             90
               Group B   65              70                65             90

 4QQ   2003    Crystal, Kennebec or Sebago varieties are insurable only by written
               agreement.  Contact your crop insurance agent to determine eligibility
               requirements.

 4QU   2003    The percentage factor, as stated on the Northern Potato Quality Endorsement,
               will be based on the actual average percentage of potatoes grading U.S. No. 1
               or U.S. No. 2 or better for Group A potatoes or U.S. No.1 or U.S. No. 2 or
               better for Group B potatoes as determined from your records.  If less than four
               years of records are available, the percentage factor will be calculated as
               follows:

               *Years of Actual      Actual Average     **Default       Percentage
                  Percentage          Percentage        Percentage        Factor
                    Records              (AAP)             (DP)            (PF)
                      0                 (0 AAP)     +     (4 DP)/4    =     PF
                      1                 (1 AAP)     +     (3 DP)/4    =     PF
                      2                 (2 AAP)     +     (2 DP)/4    =     PF
                      3                 (3 AAP)     +     (1 DP)/4    =     PF

               *Any actual average percentages must be submitted and certified in accordance
               with Actual Production History (APH) procedures. Use of loss records showing
               the percentage of potatoes meeting the grade designations stated above must be
               used as an actual year of records for any year in which we determine the
               percentage of potatoes meeting the stated grades.

               **The default percentage is :

                         Fresh Market                     Processing

                        #1        #2 or Better            #1          #2 or Better

                Group A 55              70                55               90
                Group B 60              70                60               90

 4R    2003    The percentage factor, as stated on the Northern Potato Quality Endorsement,
               will be based on the actual average percentage of potatoes grading U.S. No. 1
               or U.S. No. 2 or better Group A potatoes or U.S. No. 1 or U.S. No. 2 or better
               Group B potatoes as determined from your records.  If less than four years
               of records are available, the percentage factor will be calculated as
               follows:

               *Years of Actual    Actual Average       **Default         Percentage
                  Percentage        Percentage          Percentage         Factor
                    Records           (AAP)                (DP)             (PF)
                       0             (0 AAP)      +      (4 DP)/4      =     PF
                       1             (1 AAP)      +      (3 DP)/4      =     PF
                       2             (2 AAP)      +      (2 DP)/4      =     PF
                       3             (3 AAP)      +      (1 DP)/4      =     PF

               *Any actual average percentages must be submitted and certified in accordance
               with Actual Production History (APH) procedures.  Use of loss records showing
               the percentage of potatoes meeting the grade designations stated above must be
               used as an actual year of records for any year in which we determine the
               percentage of potatoes meeting the stated grades.

               **The default percentage is:

                             Fresh Market                     Processing

                           #1          #2 or Better            #1          #2 or Better

                Group A    60               75                 60               90
                Group B    65               75                 65               90

 4R0   2003    The percentage factor, as stated on the Northern Potato Quality Endorsement,
               will be based on the actual average percentage of potatoes grading U.S. No. 1
               or U.S. No. 2 or better for Group A potatoes or U.S. No. 1 or U.S. No. 2 or
               better for Group B potatoes as determined from your records.  If less than
               four years of records are available, the percentage factor will be
               calculated as follows:

               *Years of Actual     Actual Average       **Default       Percentage
                  Percentage          Percentage         Percentage        Factor
                    Records             (AAP)               (DP)            (PF)
                        0             (0 AAP)      +      (4 DP)/4     =     PF
                        1             (1 AAP)      +      (3 DP)/4     =     PF
                        2             (2 AAP)      +      (2 DP)/4     =     PF
                        3             (3 AAP)      +      (1 DP)/4     =     PF

               *Any actual average percentages must be submitted and certified in accordance
               with Actual Production History (APH) procedures. Use of loss records showing
               the percentage of potatoes meeting the grade designations stated above must be
               used as an actual year of records for any year in which we determine the
               percentage of potatoes meeting the stated grades.

               **The default percentage is:

                           Fresh Market                    Processing

                         #1            #2 or Better          #1      #2 or Better

                Group A  60                 70               60           85
                Group B  70                 75               70           85

 4R1   2003    The percentage factor, as stated on the Northern Potato Quality Endorsement,
               will be based on the actual average percentage of potatoes grading U.S. No. 1
               or U.S. No. 2 or better Group A potatoes or U.S. No. 1 or U.S. No. 2 or better
               Group B potatoes as determined from your records.  If less than four years
               or records are available, the percentage factor will be calculated as
               follows:

               *Years of Actual    Actual Average      **Default       Percentage
                  Percentage        Percentage         Percentage        Factor
                    Records           (AAP)              (DP)             (PF)
                         0           (0 AAP)     +     (4 DP)/4      =     PF
                         1           (1 APP)     +    (3 DP)/4        =    PF
                         2           (2 APP)     +    (2 DP)/4        =    PF
                         3           (3 AAP)     +    (1 DP)/4        =    PF

               *Any actual average percentages must be submitted and certified in accordance
               with Actual Production History (APH) procedures.  Use of loss records showing
               the percentage of potatoes meeting the grade designations stated above must be
               used as an actual year of records for any year in which we determine the
               percentage of potatoes meeting the stated grades.

               **The default percentage is:

                           Fresh Market                   Processing

                           #1          #2 or Better         #1         #2 or Better

                Group A    60               70              60              90
                Group B    65               70              65              90

 4R2   2003    For purposes of the Northern Potato Quality Endorsement, the percentage factors
               will be based on the actual average percentage of potatoes grading U.S. No. 1
               or U.S. No. 2 or better Group A potatoes or U.S. No. 1 or U.S. No. 2 or better
               Group B potatoes as determined from your records.  If less than four years
               of records are available, the percentage factor will be as follows:

               *Years of Actual     Actual Average     **Default      Percentage
                  Percentage         Percentage        Percentage       Factor
                    Records            (AAP)             (DP)           (PF)
                         0            (0 AAP)     +    (4 DP)/4     =    PF
                         1            (1 AAP)     +    (3 DP)/4     =    PF
                         2            (2 AAP)     +    (2 DP)/4     =    PF
                         3            (3 AAP)     +    (1 DP)/4     =    PF

               *Any actual average percentages must be submitted and certified in accordance
               with Actual Production History (APH) procedures. Use of loss records showing
               the percentage of potatoes meeting the grade designations stated above must be
               used as an actual year of records for any year in which we determine the
               percentage of potatoes meeting the stated grade.

               **The default percentage is:

                             Fresh Market                    Processing

                         #1        #2 or Better              #1          #2 or Better

                Group A  60             70                   60               85
                Group B  65             70                   65               85

 4R4   2003    The percentage factor, as stated on the Northern Potato Quality Endorsement,
               will be based on the actual average percentage of potatoes grading U.S. No. 1
               or U.S. No. 2 or better for Group A potatoes or U.S. No. 1 or U.S. No. 2 or
               better for Group B potatoes as determined from your records.  If less than
               four years of records are available, the percentage factors will be
               calculated as follows:

               *Years of Actual     Actual Average      **Default         Percentage
                  Percentage          Percentage        Percentage          Factor
                    Records             (AAP)             (DP)               (PF)
                      0                (0 AAP)     +     (4 DP)/4      =      PF
                      1                (1 AAP)     +     (3 DP)/4      =      PF
                      2                (2 AAP)     +     (2 DP)/4      =      PF
                      3                (3 AAP)     +     (1 DP)/4      =      PF

               *Any actual average percentages must be submitted and certified in accordance
               with Actual Production History (APH) procedures. Use of loss records showing
               the percentage of potatoes meeting the grade designations stated above must be
               used as an actual year of records for any year in which we determine the
               percentage of potatoes meeting the stated grade.

               **The default percentage is:

                              Fresh Market                   Processing

                          #1           #2 or Better            #1          #2 or Better

                Group A   50                65                 50               85
                Group B   65                70                 65               90

 4R5   2003    The percentage factor, as stated on the Northern Potato Quality Endorsement,
               will be based on the actual average percentage of potatoes grading U.S. No. 1
               or U.S. No. 2 or better Group A potatoes or U.S. No. 1 or U.S. No. 2 or better
               Group B potatoes as determined by your records.  If less than four years of
               records are available, the percentage factor will be calculated as follows:

               *Years of Actual    Actual Average      **Default      Percentage
                 Percentage         Percentage         Percentage      Factor
                    Records            (AAP)               (DP)         (PF)
                     0                (0 AAP)     +     (4 DP)/4    =    PF
                     1                (1 AAP)     +     (3 DP)/4    =    PF
                     2                (2 AAP)    +      (2 DP)/4    =    PF
                     3                (3 AAP)    +      (1 DP)/4    =    PF

               *Any actual average percentages must be submitted and certified in accordance
               with Actual Production History (APH) procedures.  Use of loss records showing
               the percentage of potatoes meeting the grade designations stated above must be
               used as an actual year of records for any year in which we determine the
               percentage of potatoes meeting the stated grades.

               **The default percentage is:

                          Fresh Market                     Processing

                           #1      #2 or Better          #1         #2 or Better

                Group A    65           75               65              90
                Group B    70           80               70              90

 4R6   2003    The percentage factor, as stated on the Northern Potato Quality Endorsement,
               will be based on the actual average percentage of potatoes grading U.S. No. 1
               or U.S. No. 2 or better Group A potatoes or U.S. No. 1 or U.S. No. 2 or better
               Group B potatoes as determined by your records.  If less than four years of
               records are available, the percentage factor will be calculated as follows:

               *Years of Actual      Actual Average      **Default        Percentage
                  Percentage           Percentage        Percentage         Factor
                     Records              (AAP)              (DP)            (PF)
                       0                 (0 AAP)    +     (4 DP)/4    =       PF
                       1                 (1 AAP)    +     (3 DP)/4    =       PF
                       2                 (2 AAP)   +      (2 DP)/4   =        PF
                       3                 (3 AAP)   +      (1 DP)/4   =        PF

               *Any actual average percentages must be submitted and certified in accordance
               with Actual Production History (APH) procedures. Use of loss records showing
               the percentage of potatoes meeting the grade designations stated above must be
               used as an actual year of records for any year in which we determine the
               percentage of potatoes meeting the stated grades.

               **The default percentage is:

                       Fresh Market                     Processing

                         #1           #2 or better          #1          #2 or Better

                Group A  55                65               55               90
                Group B  60                65               60               90

 4R8   2003    The percentage factor, as stated on the Northern Potato Quality Endorsement,
               will be based on the actual average percentage of potatoes grading U.S. No. 1
               or U.S. No. 2 or better Group A potatoes or U.S. No. 1 or U.S. No. 2 or better
               Group B potatoes as determined from your records.  If less than four years
               of records are available, the percentage factor will be calculated as
               follows:

               *Years of Actual     Actual Average         **Default       Percentage
                  Percentage          Percentage           Percentage        Factor
                    Records             (AAP)                 (DF)            (PF)
                          0           (0 AAP)       +       (4 DP)/4    =      PF
                          1           (1 AAP)       +       (3 DP)/4    =      PF
                          2           (2 AAP)       +       (2 DP)/4    =      PF
                          3           (3 AAP)       +       (1 DP)/4    =      PF

               *Any actual average percentages must be submitted and certified in accordance
               with Actual Production History (APH) procedures. Use of loss records showing
               the percentage of potatoes meeting the grade designations stated above must be
               used as an actual year of records for any year in which we determine the
               percentage of potatoes meeting the stated grades.

               **The default percentage is:

                            Fresh Market                     Processing

                            #1          #2 or Better         #1            #2 or Better

                Group A     55              65               55                 85
                Group B     65              75               65                 85

 4R9   2003    The percentage factor, as stated on the Northern Potato Quality Endorsement,
               will be based on the actual average percentage of potatoes grading U.S. No. 1
               or U.S. No. 2 or better Group A potatoes or U.S. No. 1 or U.S. No. 2 or better
               Group B potatoes as determined from your records.  If less than four years
               of records are available, the percentage factor will be calculated as
               follows:

               *Years of Actual   Actual Average      **Default         Percentage
                 Percentage        Percentage         Percentage          Factor
                    Records          (AAP)              (DP)               (PF)
                         0          (0 AAP)      +   (4 DP)/4      =        PF
                         1          (1 AAP)      +   (3 DP)/4      =        PF
                         2          (2 AAP)      +   (2 DP)/4      =        PF
                         3          (3 AAP)      +   (1 DP)/4      =        PF

               *Any actual average percentages must be submitted and certified in accordance
               with Actual Production History (APH) procedures. Use of loss records showing
               the percentage of potatoes meeting the grade designations stated above must be
               used as an actual year of records for any year in which we determine the
               percentage of potatoes meeting the stated grades.

               **The default percentage is:

                              Fresh Market                   Processing

                          #1          #2 or Better           #1           #2 or Better

                Group A   55               65                55                85
                Group B   65               70                65                90

 4RD   2003    Orchards irrigated only with emitter or low volume systems, high water
               water tables or springs only qualify for the Irrigated Practice by
               written agreement.  Contact your crop insurance agent by the sales
               closing date to determine eligibility requirements.

 4RV   2001    Rate Map Area 002 is applicable to all producers who select the 65%
               coverage level or below who agree in writing on our form to waive their
               rights to replant payments otherwise provided by the policy.  This
               agreement must be executed with the Regional Office of the Corporation.
               Rate Map Area 001 is applicable to all other producers.


 4RZ   2000    Allowable cost for harvested production will include the actual cost of
               picking, grading, packing containers, hauling and selling not to exceed
               $3.00 per 25 pound carton.

 4S    1998    *** Barley or a mixture of barley with oats or wheat or both.  A mixture
               of barley with oats or wheat or both will be insurable if barley is the
               predominate grain in the mixture.

 4SB   2003    As provided by the terms and conditions of the sugar beet policy, insurance
               will not attach on acreage the year following discovery of rhizomania.
               When identified as rhizomania infested acreage during an insurance covered
               period, production guarantees will be the stage percentile listed in the
               sugar beet policy.  Insurance coverage will not again become available
               until agreed, in writing, by the Federal Crop Insurance Corporation.

 4SG   1997    Any acreage of alfalfa the seventh and succeeding crop years after the year
               of establishment will be insurable only by written agreement.  If you were
               insured last year, you must make a request through your crop insurance
               agent for coverage on overage stands by October 31 preceding the sales
               closing date.  New insureds must make requests by November 30.  An
               inspection or other acceptable evidence of an adequate stand must accompany
               the request and is required to determine if the acreage is insurable.  Any
               request for coverage on overage stands, including supporting documentation,
               which is not submitted by the applicable dates provided above, will be
               denied and your overage stand will not be insurable.  Contact your crop
               insurance agent for more information on overage stands.

 4SH   1997    Any acreage of alfalfa the fourth and succeeding crop years after the
               year of establishment will be insurable only by written agreement.  If
               you were insured last year, you must make a request through your crop
               insurance agent for coverage on overage stands by October 31 preceding
               the sales closing date. New insureds must make requests by November 30.
               An inspection or other acceptable evidence of an adequate stand must
               accompany the request and is required to determine is the acreage is
               insurable.  Any request for coverage on overage stands, including
               supporting documentation, which is not submitted by the applicable dates
               provided above, will be denied and your overage stand will not be
               insurable.  Contact your crop insurance agent for more information on
               overage stands.

 4T    2003    *Includes barley overseeded in winter wheat.  Barley overseeded in
               winter wheat will be insurable if barley is the predominate grain in
               the mixture.

 4TA   1998    For Quota Tobacco:  A copy of a written lease agreement between the
               landlord and the insured tenant is required to be on file in your crop
               insurance agent's office by the acreage reporting date.  The agreement must
               show the total effective quota of the farm serial number (FSN) and the
               amount of the effective quota leased to all tenants.  In the event of a
               loss, if your written lease agreement is not on file or it is in error,
               your effective quota will be distributed across the FSN to all insured and
               uninsured tenants based on planted acres to determine the insurable quota
               for insured tenants.

 4TD   2003    ****Insurable Varieties for Group A: Buffalo, Catawba, Clinton, Concord,
               Fredonia, Ives, Niagara, Starkstar and Steuben.
               Any unit containing both Group A and Group B varieties for which separate
               guarantees have not been established by group will have the Group A price
               elections and premium rates.

 4TE   2003    ****Insurable Varieties for Group B: Delaware, Diamond, Dutchess,
               Elvira, French/American Hybrids, Isabella, Missouri Riesling, and
               Norton (Cynthiana).
               Any unit containing both Group A and Group B varieties for which
               separate guarantees have not been established by group will have
               the Group A price elections and premium rates.

 4TF   1998    Insurance will not attach to acreage on which potatoes were planted in
               each of the four preceding crop years, except on acreage classified Area
               3 for rating purposes.  Disease will not be an insurable cause of loss on
               such acreage.

 4VN   2003      **Direct Seeded acreage will be insurable only by special written
               agreement.  Contact your crop insurance agent by the sales closing date
               to determine eligibility requirements.

 4VS   1997    The percentage factor, as stated on the Potato Quality Option, will be
               based on the actual average percentage of potatoes grading U.S. No. 1 or
               U.S. No. 2 or better Group A potatoes or U.S. No. 1 or U.S. No. 2 or better
               Group B potatoes as determined from your records.  If less than four years
               of records are available, the percentage factor will be calculated as
               follows:

               *Years of Actual      Actual Average      **Default       Percentage
                 Percentage           Percentage         Percentage        Factor
                    Records             (AAP)               (DP)            (PF)

                       0               (0 AAP)      +      (4 DP)/4   =      PF
                       1               (1 AAP)      +      (3 DP)/4   =      PF
                       2               (2 AAP)      +      (2 DP)/4   =      PF
                       3               (3 AAP)      +      (1 DP)/4   =      PF

               *Use of loss records showing the percentage of potatoes meeting the grade
               designations stated above must be used as an actual year of records for
               any year in which we determine the percentage of potatoes meeting the
               stated grades.

               **The default percentage is:

                           Fresh Market                 Processing

                          #1           #2 or Better                #1       #2 or Better

                Group A   55                65                     55            90
                Group B   60                65                     65            90

 4WD   1996    Frost or freeze is not an insurable cause of loss after September 20.

 4WW   2003    Any acreage in this county for which a rate has not been established or
               which has been designated as uninsurable or unclassified on the FCI-33
               CROP INSURANCE ACTUARIAL MAP will be insurable only by written agreement,
               unless such acreage is classified by an FCI-33 CROP INSURANCE ACTUARIAL
               SUPPLEMENT.  This acreage is identified on an FCI-33 CROP INSURANCE
               ACTUARIAL MAP.

               Contact your crop insurance agent by the sales closing date to determine
               eligibility requirements.

 4YY   2003    The varietal type Yukon Gold will be considered insurable as a white type
               and will be designated as a white type for the purposes of this policy.

 4ZZ   2004    See the County Special Provisions document and the County FCI-33, CROP
               INSURANCE ACTUARIAL MAP, for determination of high risk or unrated areas.


 510   2003    Grade of Strict Low Middling,(41) Leaf 4, 1 1/32 inch staple length
               and 3.7 micronaire reading will be used for quality adjustments in
               accordance with the provisions of the insurance policy.

 5AX   1997    Any acreage in this county for which a rate has not been established
               or which has been designated as uninsurable or unclassified on the
               FCI-33 CROP INSURANCE ACTUARIAL MAP will be insurable only by written
               agreement, unless such acreage is classified by an FCI-33 CROP
               INSURANCE ACTUARIAL SUPPLEMENT.  Contact you crop insurance agent by
               the sales closing date to determine eligibility requirements.

 5AZ   2003    Approved Adzuki Variety:  Erimo

               Varieties not approved above will be insurable only by written agreement.
               Requests for written agreements must be signed by you and submitted to
               your crop insurance agent by the sales closing date.

 5BB   2000    The Insurable Age of the bushes will be the third growing season after being
               set out for all varieties.

 5BD   1997    ****Insurable Varieties:  Berkeley, Bluecrop, Bluehaven, Bluejay, Bluetta,
               Burlington, Collins, Darrow, Duke, Earliblue, Ellliot, Jersey, Lateblue,
               Nelson, Northland, Patriot, Pemberton, Rancocas, Rubel, Spartan, Stanley
               and Weymouth.

 5BO   2003    Other Highbush type blueberry varieties may be insurable by written
               agreement.  Contact your crop insurance agent to determine insurability
               and submit an actuarial request by the sales closing date.

 5BT   2003    Approved Black Turtle Soup Varieties:  Black Magic
                                                      Domino
                                                      Midnight
                                                      Panther
                                                      T-39
                                                      UI-906
                                                      Shadow
               Varieties not approved above will be insurable only by written agreement.
               Requests for written agreements must be signed by you and submitted to
               your crop insurance agent by the sales closing date.

 5CA   1997    Insurance will not attach to any acreage on which canola, sunflowers,
               dry edible beans, mustard, crambe, field peas, garbanzo beans, lentils,
               potatoes, rapeseed, sugar beets, safflowers or soybeans were planted any
               of the preceding three crop years.

 5CB   1998    Insurance will not attach to any acreage on which canola, mustard, crambe,
               field peas, garbanzo beans (chickpeas), lentils or rapeseed were planted
               the preceding two crop years.

 5CC   1997    Any acreage of alfalfa the fourth through the ninth crop year after the
               year of establishment or alfalfa-grass mixtures the sixth through the
               ninth crop year after the year of establishment will be insurable only
               by written agreement.  If you were insured last year, you must make a
               request through your crop insurance agent for coverage on overage stands
               by October 31 preceding the sales closing date.  New insureds must make
               requests by November 30.  An inspection or other acceptable evidence of
               an adequate stand must accompany the request and is required to determine
               if the acreage is insurable.  Any request for coverage on overage stands,
               including supporting documentation, which is not submitted by the
               applicable dates provided above, will be denied and your overage stand
               will not be insurable.  Contact your crop insurance agent for more
               information on overage stands.

               Any acreage of Alfalfa or Alfalfa-Grass Mixtures will not be insurable
               for the tenth and succeeding years after the year of establishment.

 5CF   2002    Conversion factors to be used in accordance with the provision of the
               insurance policy for adjusting threshed production of dry beans:
                   Section I.   CLASS OF BEANS         GRADE           FACTOR
                                Black Turtle Soup   U.S. No. 3          .90
                                Great Northern      U.S. No. 3          .91
                                Pinto               U.S. No. 3          .90
                                Pink                U.S. No. 3          .90
                                Light Red Kidney    U.S. No. 3          .90
                                Small Whites        U.S. No. 3          .90

                   Section II.  Great Northern
                     Percent of Pick   Factor       Percent of Pick    Factor
                         7              .87               14            .70
                         8              .85               15            .67
                         9              .82               16            .65
                        10              .80               17            .63
                        11              .77               18            .60
                        12              .75               19            .58
                        13              .72               20            .55

                  Section III.   Pea (Navy) and Medium White
                    Percent of Pick    Factor        Percent of Pick   Factor
                         5              .98               13            .80
                         6              .96               14            .78
                         7              .94               15            .76
                         8              .91               16            .74
                         9              .89               17            .72
                        10              .86               18            .70
                        11              .84               19            .68
                        12              .82               20            .67

 5CG   2003    A coarse grain crop which is properly planted, using a machine designed for
               such purpose, into an established grass or legume, will be insurable
               provided that prior to the emergence of the planted crop, the established
               grass or legume is treated with a herbicide which is labeled and
               recommended for the purpose of killing the established grass or legume.

 5CQ   1997    CORN QUALITY ADJUSTMENT FACTOR:
               The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place
               decimals).  No other quality factors will be considered in determining
               production to count.  The QA Factor (not less than zero) will be
               multiplied by the number of bushels remaining after any reduction due
               to excessive moisture (in accordance with the Coarse Grains Crop
               Provisions) to determine the net production to count.  Any grain which,
               due to insurable causes, has zero market value either before or after
               quality adjustment will not be considered production to count.

               1  Corn will be discounted for low test weight as follows:
                  Test Weight Pounds   DF      Test Weight Pounds       DF
                  49 and above        None          38-38.99           .194
                  48-48.99            .056          37-37.99           .209
                  47-47.99            .067          36-36.99           .224
                  46-46.99            .078          35-35.99           .239
                  45-45.99            .089          34-34.99           .254
                  44-44.99            .104          33-33.99           .269
                  43-43.99            .119          32-32.99           .284
                  42-42.99            .134          31-31.99           .299
                  41-41.99            .149          30-30.99           .314
                  40-40.99            .164          Below 30 - See Section 3
                  39-39.99            .179

               2  Corn will be discounted for excessive kernel damage (excluding heat
                  damage) as follows:
                  Kernel Damage %   DF   Kernel Damage %  DF   Kernel Damage %  DF
                    10 and below   None    18.01-19      .079    27.01-28      .133
                    10.01-11       .031    19.01-20      .085    28.01-29      .137
                    11.01-12       .037    20.01-21      .091    29.01-30      .141
                    12.01-13       .043    21.01-22      .097    30.01-31      .145
                    13.01-14       .049    22.01-23      .103    31.01-32      .149
                    14.01-15       .055    23.01-24      .109    32.01-33      .153
                    15.01-16       .061    24.01-25      .115    33.01-34      .157
                    16.01-17       .067    25.01-26      .121    34.01-35      .161
                    17.01-18       .073    26.01-27      .127    Above 35 - See Section 3

               3  Corn with (A) a test weight below 30 pounds per bushel and/or kernel
                  damage above 35 percent; (B) a musty, sour, or commercially objection-
                  able foreign odor; or (C) the presence of substances or conditions
                  identified by the Food and Drug Administration or other public health
                  organizations of the United States as injurious to human or animal
                  health; may be allowed a Discount Factor. To determine the Discount
                  Factor, the reduction in value (RIV) caused by the deficiences, sub-
                  stances, or conditions allowed in (A), (B), and/or (C) will be deter-
                  mined and the total will be divided by the Posted County Price (PCP)*.
                  The RIV will not include any price reduction resulting from any discount
                  factors that are included in sections 1 and 2.

                  A  The RIV's specified in section 3 will be limited to those that are
                     usual, customary, and reasonable.  If the RIV can be decreased by
                     conditioning the production, the RIV after conditioning may be
                     increased by the cost of conditioning, provided that the resulting
                     RIV does not exceed the RIV before conditioning.  No RIV will be
                     accepted if it is due to (1) moisture content; (2) damage due to
                     uninsured causes; or (3) drying, handling, processing, or any other
                     costs associated with normal harvesting, handling, and marketing of
                     the production.

 5CR   1997       B  RIV's used will be those in the local market area in which you
                     normally market the crop, to the extent feasible.  If the RIV for
                     a buyer located outside your local market area is less than the RIV
                     in your local market area, then the RIV may be increased by the
                     additional costs required to deliver the production to the buyer,
                     provided that the resulting RIV does not exceed the RIV in your local
                     market area.  If the damaged production has been sold, the Discount
                     Factor will be based upon the RIV's applied by the buyer unless it
                     is determined that such RIV's are not usual, customary, and
                     reasonable.

                  C  The RIV's and PCP will be those in effect on the earlier of the date
                     such quality-adjusted production is sold or the date of final
                     inspection for the unit.

                  *  "Posted County Price (PCP)" is the price established by the Commodity
                     Credit Corporation (CCC) for yellow corn for the county shown on your
                     application.  If multiple counties are shown on your application, it
                     is the county in which the insured unit is located.  If the CCC
                     discontinues establishing PCP's for the county, the PCP will be the
                     Local Market Price as defined in the Coarse Grains Crop Provisions.

 5CS   1996    To determine the dollar value of production to count for indemnity purposes
               for any acreage harvested as grain, the maximum price election for grain is
               $2.45 per bushel if your silage price election is based on the established
               price or the market price for grain if your silage price election is based
               on the market price.

 5CT   2003    Approved Cranberry Varieties:  Taylor Hort
                                              CRAN09
                                              CRAN34
                                              CRAN74
               Varieties not approved above will be insurable only by written agreement.
               Requests for written agreements must be signed by you and submitted to
               your crop insurance agent by the sales closing date.

 5CV   2003    Approved Cranberry Varieties:  Taylor Hort
                                              Cran 09
                                              Cran 34
                                              Cran 74

               Varieties not approved above will be insurable only by written agreement.
               Requests for written agreements must be signed by you and submitted to
               your crop insurance agent by the sales closing date.

 5DK   2000    Approved Dark Red Kidney Varieties:  Isles
                                                    Montcalm

               Varieties not approved above will be insurable only by written agreement.
               Requests for written agreements must be signed by your and submitted to
               your crop insurance agent by the sales closing date.

 5DM   2003      **NIBR - Determinate (bush) type dry beans planted in rows not far
               enough apart to permit intertilling between the rows with a row
               cultivator.  Indeterminate (vining) type dry beans are not insurable
               under this practice.

 5DN   2003    ** NFAC - Not following another crop that has reached the heading stage
               and/or that has been harvested in the same calendar year.

 5DP   2003    ** FAC - Following another crop that has reached the heading stage
               and/or that has been harvested in the same calendar year.

 5DR   2000    Conversion factors to be used in accordance with the provisions of the
               insurance policy for adjusting threshed production of dry beans:
                  Section I.  CLASS OF BEANS         GRADE          FACTOR
                               Great Northern      U.S. No. 3          .91
                               Pinto               U.S. No. 3          .90
                               Pink                U.S. No. 3          .90
                               Light Red Kidney    U.S. No. 3          .90
                               Small Whites        U.S. No. 3          .90
                               Dark Red Kidney     U.S. No. 3          .90
                  Section II. Great Northern
                   Percent of Pick   Factor    Percent of Pick      Factor
                           7            .87         14                 .70
                           8            .85         15                 .67
                           9            .82         16                 .65
                          10            .80         17                 .63
                          11            .77         18                 .60
                          12            .75         19                 .58
                          13            .72         20                 .55
                  Section III. Pea (Navy) and Medium White
                   Percent of Pick   Factor    Percent of Pick      Factor
                           5            .98         13                 .80
                           6            .96         14                 .78
                           7            .94         15                 .76
                           8            .91         16                 .74
                           9            .89         17                 .72
                          10            .86         18                 .70
                          11            .84         19                 .68
                          12            .82         20                 .67

 5F1   1998    APPROVED MALTING BARLEY VARIETIES:  Anheuser Busch 1201 & 1202 (2-row)
                                                   Anheuser Busch 1603
                                                   Anheuser Busch 2601 (6-row)
                                                   Anheuser Busch 5648
                                                   Clark (2-row)
                                                   Crest (2-row)
                                                   Crystal (2-row)
                                                   Excel (6-row)
                                                   Galena
                                                   Harrington (2-row)
                                                   Chinook
                                                   Klages (2-row)
                                                   Moravian III (2-row)
                                                   Morex (6-row)
                                                   Triumph
                                                   Russell

               All varieties recommended for malting by the American Malting Barley
               Association, Inc.

               Varieties meeting the conditions set forth in the Malting Barley Option
               Amendment, but not shown as an approved variety, will be insured.  Contact
               your crop insurance agent by the sales closing date to determine
               eligibility requirements.

 5F4   1999    APPROVED MALTING BARLEY VARIETIES:  Anheuser Busch 1602
                                                   Azure
                                                   Excel
                                                   Morex
                                                   Robust
                                                   Stander
                                                   Triumph

               All varieties recommended for malting by the American Malting Barley
               Association, Inc.

               Varieties meeting the conditions set forth in the Malting Barley Option
               Amendment, but not shown as an approved variety, will be insured.  Contact
               your crop insurance agent by the sales closing date to determine
               eligibility requirements.

 5F5   1997    APPROVED MALTING BARLEY VARIETIES:  Andre
                                                   Anheuser Busch 1201
                                                   Anheuser Busch 1202
                                                   Anheuser Busch 2601
                                                   AC-14
                                                   Camarque
                                                   Clark
                                                   Galena
                                                   Karla
                                                   Klages
                                                   Moravian III
                                                   Morex
                                                   Premier
                                                   Triumph

               All varieties recommended for malting by the American Malting Barley
               Association, Inc.

               Varieties meeting the conditions set forth in the Malting Barley Option
               Amendment, but not shown as an approved variety, may be insured.  Contact
               your crop insurance agent for eligibility requirements.

 5FO   1997      **Onions with cover crop include: a) direct seeded onions planted
               with a small grain cover crop (companion/nurse crop) which is fall
               planted and/or established during the initial growing phase of the
               insured crop, and b) the cover crop is controlled and eliminated before
               the heading stage after the initial planting of the applicable acreage,
               or c) onions transplanted/sets planted with a small grain cover crop.

 5FS   2003    Insurance will not attach to any acreage on which potatoes were grown
               the previous crop year unless the previous crop was followed by a cover
               crop of rye or turfgrass.

 5G1   1996    Grade of Strict Low Middling, Leaf 4, 15/16 inch staple length and 3.5
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 5G2   1996    Grade of Strict Low Middling, Leaf 4, 15/16 inch staple length and 3.9
               micronaire reading will be used for quality adjustments in accordance with
               the provisions of the insurance policy.

 5G3   1996    Grade of Strict Low Middling, Leaf 4, 15/16 inch staple length and 4.0
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 5G4   1996    Grade of Strict Low Middling, Leaf 4, 15/16 inch staple length and 4.1
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 5G5   1996    Grade of Strict Low Middling, Leaf 4, 15/16 inch staple length and 4.4
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 5G6   2003    Grade of Strict Low Middling,(41) Leaf 4, 1 1/32 inch staple length and 4.0
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 5G7   2003    Grade of Strict Low Middling,(41) Leaf 4, 1 1/32 inch staple length and 4.3
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 5G8   2003    Grade of Strict Low Middling,(41) Leaf 4, 1 1/16 inch staple length and 4.3
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 5G9   1996    Grade of Strict Low Middling, Leaf 4, 1 1/16 inch staple length and 4.4
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 5GG   1996    To determine the dollar value of production to count for indemnity
               purposes for any acreage harvested as silage, the maximum price election
               for silage is $16.70 per ton if your grain price election is based on the
               established price, or the market price for silage if your grain price
               election is based on the market price.

 5GH   1996    Grass Mixture is defined as a mixed stand of forage grasses, red clover,
               alfalfa and any other locally recognized and approved forage of which red
               clover comprises at least 60 percent but not more than 99.9 percent of the
               ground cover and alfalfa comprises less than 25 percent of the ground
               cover.

 5GQ   1999    The Grain Sorghum Quality Adjustment (QA) Factor is 1.000 minus the sum
               of the applicable Discount Factors (DF) below (expressed as three-place
               decimals). No other quality factors will be considered in determining
               production to count. The QA Factor (not less than zero) will be multiplied
               by the number of bushels remaining after any reduction due to excessive
               moisture (in accordance with the Income Protection - Grain Sorghum Provisions)
               to determine the net production to count. Any grain which,
               due to insurable causes, has zero market value (net zero market value after
               consideration of additional costs to deliver damaged grain to a market of
               reasonable distance outside your local marketing area) will not be
               considered production to count if the production is destroyed.
               Production that is not destroyed in a manner acceptable to us will be adjusted
               in accordance with the rules below for the respective types and levels of
               damage.  Additional costs to deliver grain outside your local market will be
               allowed only for types and levels of damage included in Section 3.

               1  Grain sorghum will be discounted for low test weight as follows:
                  Test Weight Pounds     DF         Test Weight Pounds    DF
                    51 and above        None             39-39.99        .088
                    50-50.99            .015             38-38.99        .097
                    49-49.99            .019             37-37.99        .105
                    48-48.99            .024             36-36.99        .114
                    47-47.99            .029             35-35.99        .122
                    46-46.99            .033             34-34.99        .130
                    45-45.99            .038             33-33.99        .139
                    44-44.99            .046             32-32.99        .147
                    43-43.99            .055             31-31.99        .156
                    42-42.99            .063             30-30.99        .164
                    41-41.99            .071             Below 30 - See Section 3
                    40-40.99            .080

               2  Grain sorghum will be discounted for excessive kernel damage (excluding
                  heat damage) as follows:
                  Kernel Damage %   DF   Kernel Damage %   DF   Kernel Damage %  DF
                    15 and below   None    21.01-22       .059    28.01-29      .095
                    15.01-16       .034    22.01-23       .064    29.01-30      .100
                    16.01-17       .038    23.01-24       .069    30.01-31      .106
                    17.01-18       .042    24.01-25       .074    31.01-32      .111
                    18.01-19       .045    25.01-26       .079    32.01-33      .117
                    19.01-20       .049    26.01-27       .085    33.01-34      .123
                    20.01-21       .054    27.01-28       .090    34.01-35      .129
                                                                Above 35 - See Section 3

               3  Grain sorghum with (A) a test weight below 30 pounds per bushel and/or
                  kernel damage above 35 percent; (B) a musty, sour, or commercially
                  objectionable foreign odor (or a smutty grain sorghum grade); or (C) the
                  presence of substances or conditions identified by the Food and Drug
                  Administration or other public health organizations of the United States
                  as injurious to human or animal health; may be allowed a Discount
                  Factor.  To determine the Discount Factor, the reduction in value (RIV)
                  caused by the deficiencies, substances, or conditions allowed in (A),
                  (B), and/or (C) will be determined and the total will be divided by the
                  Posted County Price (PCP)*.  The RIV will not include any price reduc-
                  tion resulting from any discount factors that are included in sections
                  1 and 2.

                  A  The RIV's specified in section 3 will be limited to those that are
                     usual, customary, and reasonable.  If the RIV can be decreased by
                     conditioning the production, the RIV after conditioning may be in-
                     creased by the cost of conditioning, provided that the resulting RIV
                     does not exceed the RIV before conditioning.  No RIV will be accept-
                     ed if it is due to (1) moisture content; (2) damage due to uninsured
                     causes; or (3) drying, handling, processing, or any other costs
                     associated with normal harvesting, handling, and marketing of the
                     production.

 5GR   1999       B  RIV's used will be those in the local market area in which you
                     normally market the crop, to the extent feasible.  If the RIV for
                     a buyer located outside your local market area is less than the
                     RIV in your local market area, then the RIV may be increased by
                     the additional costs required to deliver the production to the
                     buyer, provided that the resulting RIV does not exceed the RIV
                     in your local market area.  If the damaged production has been
                     sold, the Discount Factor will be based upon the RIV's applied
                     by the buyer unless it is determined that such RIV's are not
                     usual, customary, and reasonable.

                  C  For production we determine has no value in and outside your local
                     market area, you may offer a value or may intend to utilize such
                     production in a manner which establishes a value.  In such cases, the
                     value we agree to will be utilized in accordance with our approved
                     procedures to determine the RIV for quality adjustment purposes
                     according to section 3 herein.

                  D  The RIV's and PCP will be those in effect on the earlier of the
                     date such quality-adjusted production is sold or the date of final
                     inspection for the unit.

                  *  "Posted County Price (PCP)" is the price established by the Commodity
                     Credit Corporation (CCC) for grain sorghum for the county shown on
                     your application. If multiple counties are shown on your application,
                     it is the county in which the insured unit is located.  If the CCC
                     discontinues establishing PCP's for the county, the PCP will be the
                     Local Market Price.

 5GS   1999    Local Market Price - The cash grain price per bushel of U.S. No. 2 grain
               sorghum offered by buyers in the area in which you normally market the
               insured crop.  The local market price will reflect the maximum limits
               of quality deficiencies allowable for U.S. No. 2 grain sorghum.  Factors
               not associated with grading under the Official United States Standards
               for Grain will not be considered.

 5H0   2003    Grade of Strict Low Middling,(41) Leaf 4, 1 1/16 inch staple length 4.5
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 5H1   1996    Grade of Strict Low Middling, Leaf 4, 1 1/16 inch staple length and 4.6
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 5H2   2003    Grade of Strict low Middling,(41) Leaf 4, 1 3/32 inch staple length and 3.7
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 5H3   1996    Grade of Strict Low Middling, Leaf 4, 1 3/32 inch staple length and 4.1
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 5H4   2003    Grade of Strict Low Middling,(41) Leaf 4, 1 3/32 inch staple length and 4.3
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 5H5   2003    Grade of Strict Low Middling,(41) Leaf 4, 1 3/32 inch staple length and 4.4
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 5H6   1996    Grade of Strict Low Middling, Leaf 4, 1 1/32 inch staple length and 4.5
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 5H7   2003    Grade of Strict Low Middling,(41) Leaf 4, 1 3/32 inch staple length and 4.6
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 5H8   1996    Grade of Strict Low Middling, Leaf 4, 1 1/8 inch staple length and 3.6
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 5H9   1996    Grade of Strict Low Middling, Leaf 4, 1 1/8 inch staple length and 4.1
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 5IV   2003    The Insurable Age of the bushes will be the third growing season after being
               set out, with the first growing season being the year set out, if before March
               15, or, the following year if set out after March 15.

 5MR   2003    Only grain varieties of 80 day Minnesota Relative Maturity (MRM) or less
               will be insurable as grain.  Grain varieties of more than 80 day MRM and
               silage varieties must be insured as silage.  Proof of variety planted
               must be provided by the acreage reporting date and placed in the insured's
               file.

 5NM   2003    Grade of Strict Low Middling,(41) Leaf 4, 1 1/8 inch staple length and 3.9
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 5PA   2003    All first time insured blueberry acreage requires the completion of a
               pre-acceptance perennial crop inspection to determine insurability of the
               plantation.  Additional inspections can be required at the discretion of
               the Federal Crop Insurance Corporation's Regional Office.

 5PF   2003    Approved Pink Varieties:  Flamingo
                                         Harold
                                         RNK-312
                                         VIVA
                                         UI-537
                                         Yolando
               Varieties not approved above will be insurable only by written agreement.
               Request for written agreements must be signed by you and submitted to your
               crop insurance agent by the sales closing date.

 5PS   2003    For the purposes of paragraph 6(b)(2) of the Small Grains Crop Provisions,
               you must notify your agent not later than March 15 if any acreage will be
               destroyed prior to harvest, or be grazed on or after March 15.  After
               receiving this notice, we will reduce the premium for acreage subsequently
               destroyed or grazed by an amount stated in the actuarial table.  No
               premium reduction will be allowed if the required notice is not given, or
               if you claim an indemnity for the acreage.  If the acreage is not destroyed
               as intended, you will be subject to the under-reporting provisions
               contained in section 6 of the Basic Provisions.  Insurance coverage will cease
               on any acreage you intend to destroy on the date you notify your agent, and on
               March 15 for acreage grazed on or after that date.

 5PV   2000    Approved Pink Varieties:  Flamingo
                                         Harold
                                         RNK-312
                                         UI-537
                                         VIVA
                                         Yolando

               Varieties not approved above will be insurable only by written agreement.
               Requests for written agreements must be signed by you and submitted to
               your crop insurance agent by the sales closing date.

 5RS   1997    Approved Red Varieties:  Ember
                                        Garnet
                                        UI-37

               Varieties not approved above will be insurable only by written agreement.
               Requests for written agreements must be signed by you and submitted to
               your crop insurance agent by the sales closing date.

 5SF   2003    Any acreage of fall planted barley or wheat is not insured unless you
               request such coverage and we agree in writing to insure the acreage.
               If you want to request coverage for such acreage, you must notify your
               crop insurance agent on or before the sales closing date.

 5SG   2003    Any acreage of fall planted wheat is not insured unless you request
               such coverage and we agree in writing to insure the acreage.  If you
               want to request coverage for such acreage, you must notify your crop
               insurance agent on or before the sales closing date.

 5SH   2003    Any acreage of fall planted barley is not insured unless you request
               such coverage and we agree in writing to insure the acreage.  If you
               want to request coverage for such acreage, you must notify your crop
               insurance agent on or before the sales closing date.

 5SN   1996    In lieu of any other policy provision, if you anticipate harvesting any
               acreage for grain which is insured as non-irrigated silage, you must
               notify your crop insurance agent of your intentions before harvest.
               Production to count for indemnity purposes for such acreage will be
               determined on our appraisals on a silage tonnage basis.  If you fail to
               give such notice, the non-irrigated silage production guarantee will be
               used to determine the production to count for such acreage.

 5SO   1996    In lieu of any other policy provision, if you anticipate harvesting any
               acreage for grain which is insured as silage, you must notify your crop
               insurance agent of your intentions before harvest.  Production to count
               for indemnity purposes for such acreage will be determined on our
               appraisals on a silage tonnage basis.  If you fail to give such notice,
               the silage production guarantee will be used to determine the production
               to count for such acreage.

 5SQ   1999    The Soybean Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the
               number of bushels remaining after any reduction due to excessive moisture
               (in accordance with the Income Protection - Soybeans Provisions) to determine
               the net production to count.  Any grain which, due to insurable causes, has
               zero market value (net zero market value after consideration of additional
               costs to deliver damaged grain to a market of reasonable distance outside your
               local marketing area) will not be considered production to count if the
               production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for the
               respective types and levels of damage.  Additional costs to deliver grain
               outside your local market will be allowed only for types and levels of damage
               included in Section 4.

               1  Soybeans will be discounted for low test weight as follows:
                  Test Weight Pounds    DF      Test Weight Pounds    DF
                     49 and above      None        38-38.99          .065
                     48-48.99          .010        37-37.99          .071
                     47-47.99          .014        36-36.99          .077
                     46-46.99          .017        35-35.99          .084
                     45-45.99          .020        34-34.99          .090
                     44-44.99          .026        33-33.99          .096
                     43-43.99          .033        32-32.99          .103
                     42-42.99          .039        31-31.99          .109
                     41-41.99          .045        30-30.99          .116
                     40-40.99          .052        Below 30 - See Section 4
                     39-39.99          .058

               2  Soybeans will be discounted for excessive kernel damage (excluding heat
                  damage) as follows:
                  Kernel Damage %   DF    Kernel Damage %   DF    Kernel Damage %   DF
                     8 and below   None      17.01-18      .060      27.01-28      .091
                     8.01-9        .031      18.01-19      .063      28.01-29      .095
                     9.01-10       .034      19.01-20      .066      29.01-30      .098
                    10.01-11       .037      20.01-21      .069      30.01-31      .101
                    11.01-12       .040      21.01-22      .072      31.01-32      .104
                    12.01-13       .044      22.01-23      .075      32.01-33      .107
                    13.01-14       .047      23.01-24      .079      33.01-34      .111
                    14.01-15       .050      24.01-25      .082      34.01-35      .114
                    15.01-16       .053      25.01-26      .085  Above 35 - See Section 4
                    16.01-17       .056      26.01-27      .088

               3  Soybeans will be discounted for a musty odor, sour odor, or commercially
                  objectionable foreign odor (COFO) as follows:

                  Musty Odor = .008      Sour Odor = .016     COFO = .016

               4  Soybeans with (A) a test weight below 30 pounds per bushel and/or kernel
                  damage above 35 percent; (B) a garlicky soybean grade; or (C) the
                  presence of substances or conditions identified by the Food and Drug
                  Administration or other public health organizations of the United States
                  as injurious to human or animal health; may be allowed a Discount
                  Factor.  To determine the Discount Factor, the reduction in value
                  (RIV) caused by the deficiencies, substances, or conditions allowed
                  in (A), (B), and/or (C) will be determined and the total will be
                  divided by the Posted County Price (PCP)*.  The RIV will not include
                  any price reduction resulting from any discount factors that are
                  included in sections 1, 2, and 3.

                  A  The RIV's specified in section 4 will be limited to those that are
                     usual, customary, and reasonable.  If the RIV can be decreased by
                     conditioning the production, the RIV after conditioning may be
                     increased by the cost of conditioning, provided that the resulting
                     RIV does not exceed the RIV before conditioning.  No RIV will be
                     accepted if it is due to (1) moisture content; (2) damage due to
                     uninsured causes; or (3) drying, handling, processing, or any other
                     costs associated with normal harvesting, handling, and marketing of
                     the production.

 5SR   1999       B  RIV's used will be those in the local market area in which you
                     normally market the crop, to the extent feasible.  If the RIV for
                     a buyer located outside your local market area is less than the RIV
                     in your local market area, then the RIV may be increased by the
                     additional costs required to deliver the production to the buyer,
                     provided that the resulting RIV does not exceed the RIV in your local
                     market area.  If the damaged production has been sold, the Discount
                     Factor will be based upon the RIV's applied by the buyer unless it
                     is determined that such RIV's are not usual, customary, and
                     reasonable.

                  C  For production we determine has no value in and outside your local
                     market area, you may offer a value or may intend to utilize such
                     production in a manner which establishes a value.  In such cases, the
                     value we agree to will be utilized in accordance with our approved
                     procedures to determine the RIV for quality adjustment purposes
                     according to section 4 herein.

                  D  The RIV's and PCP will be those in effect on the earlier of the date
                     such quality-adjusted production is sold or the date of final
                     inspection for the unit.

                  *  "Posted County Price (PCP)" is the price established by the Commodity
                     Credit Corporation (CCC) for soybeans for the county shown on your
                     application.  If multiple counties are shown on your application,
                     it is the county in which the insured unit is located.  If the CCC
                     discontinues establishing PCP's for the county, the PCP will be
                     the Local Market Price.

 5ST   1999    Local Market Price - The cash grain price per bushel of U.S. No. 1 soybeans
               offered by buyers in the area in which you normally market the insured
               crop.  The local market price will reflect the maximum limits of quality
               deficiencies allowable for U.S. No. 1 soybeans.  Factors not associated
               with grading under the Official United States Standards for Grain,
               including but not limited to protein and oil, will not be considered.

 5SW   2003      ** Winter coverage endorsement is not applicable to Summerfallow
               Winter Wheat.

 5UB   2000    The unit must have produced 1,000 pounds per acre within the base period
               to meet the minimum production insurability requirements.

 5UD   2003    Optional unit division is NOT available by section or section equivalent.
               Optional unit division is available based on Farm Serial Number (FSN) and
               any other method specified in the Common Crop Insurance Policy Basic Provisions
               or Crop Provisions except section or section equivalent.  To be eligible for
               the available methods of optional unit division, you must meet all applicable
               requirements.

 5UP   2003    The unit must have produced 1,000 pounds per acre within the base period
               to meet the minimum production insurability requirements.

 5UV   2004    The Federal Crop Insurance Corporation (FCIC) makes crop insurance
               available for all producers, regardless of race, color, national
               origin, religion, sex, age or handicap.

 5WC   2003    Wheat streak mosaic, cephalosporium stripe, common root rot, barley
               yellow dwarf virus, dwarf smut and other planting date dependent
               diseases will be uninsurable causes of loss if wheat is planted prior
               to September 10.

 5WD   1996    Frost or freeze is not an insurable cause of loss after September 20.

 5WM   2003    Wheat streak mosaic, cephalosporium stripe, common root rot, barley
               yellow dwarf virus, dwarf smut and other planting date dependent
               diseases will be uninsurable causes of loss if wheat is planted prior
               to September 5.

 5WR   1996    After insurance attached, planting date dependent disease (eg. wheat
               streak mosaic, cephalosporium stripe, common root rot, barley yellow
               dwarf virus and dwarf smut) will be an uninsurable cause of loss if
               wheat is planted prior to September 1.

 5WS   2003    Wheat streak mosaic, cephalosporium stripe, common root rot, barley
               yellow dwarf virus, dwarf smut and other planting date dependent
               diseases will be uninsurable causes of loss if wheat is planted prior
               to September 1.

 67D   2003    The amount of insurance per acre formula will be the factor listed below
               by specific coverage level times the county yield established by FCIC
               minus the minimum payment (in bushels) provided by the seed company times
               the selected price election.
               COVERAGE LEVEL        FACTOR
               50% coverage level -  .667
               55% coverage level -  .733
               60% coverage level -  .800
               65% coverage level -  .867
               70% coverage level -  .933
               75% coverage level - 1.000

 6A1   2003    Rate Map Area 001 is applicable to all producers unless classified
               otherwise by the Corporation.

 6A2   2003    Rate map area 002 is applicable to all producers unless classified
               otherwise by the Corporation.

 6A3   2003    Rate map area 003 is applicable to all producers unless classified
               otherwise by the Corporation.

 6AD   2003    Acreage of the designated crop/type/practice not located in the specified
               FCI-33 Map Area and/or Transitional Yield Locator Map area shall have the
               yield/yield factor shown on the Transitional Yield Table.

 6AF   2003      **Spring Transplanting Period - April 10 through May 10.

 6AS   1998      **Insurance will not attach on any acreage of winter planted peppers in
               Rate Area C.

 6AT   2003      **Spring Transplanting Period - March 25 through April 15.

 6BB   1996    Blueberry bushes pruned by mowing the bushes to the ground will not be
               insurable the year of mowing.  The field will become insurable the third
               growing season after cutting the bushes to the ground.

 6BS   1996    Blueberry bushes pruned by mowing the bushes to the ground will not be
               insurable the year of mowing.  The field will become insurable the second
               growing season after cutting the bushes to the ground.

 6C8   2003    Production tonnage is expressed as grade 1 equivalent and is determined by
               dividing the dollar amount received from the processor by the applicable
               contract price for grade 1 lima beans.

 6CC   1999    Rate map area CCC is applicable to all producers unless classified
               otherwise by the Corporation.

 6CE   2002    In regards to the policy definitions, production will be determined in 20
               pound carton equivalents.

 6CF   2003    For the peril of freeze only, we do not insure any citrus trees that have
               not reached the third growing season after set out, if they are located
               north of Interstate 4.

 6CQ   1999    The Corn Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).  No
               other quality factors will be considered in determining production to count.
               The A Factor (not less than zero) will be multiplied by the number
               of bushels remaining after any reduction due to excessive moisture (in
               accordance with the Income Protection - Corn Provisions) to determine the
               net production to count. Any grain which, due to insurable causes, has zero
               market value (net zero market value after consideration of additional costs to
               deliver damaged grain to a market of reasonable distance outside your local
               marketing area) will not be considered production to count if the production is
               destroyed.  Production that is not destroyed in a manner acceptable to us will
               be adjusted in accordance with the rules below for
               the respective types and levels of damage.  Additional costs to deliver
               grain outside your local market will be allowed only for types and levels
               of damage included in section 3.

               1  Corn will be discounted for low test weight as follows:
                  Test Weight Pounds      DF      Test Weight Pounds     DF
                  49 and above           None          38-38.99          .184
                  48-48.99               .054          37-37.99          .198
                  47-47.99               .064          36-36.99          .212
                  46-46.99               .075          35-35.99          .226
                  45-45.99               .085          34-34.99          .240
                  44-44.99               .100          33-33.99          .254
                  43-43.99               .114          32-32.99          .268
                  42-42.99               .128          31-31.99          .282
                  41-41.99               .142          30-30.99          .296
                  40-40.99               .156          Below 30 - See Section 3
                  39-39.99               .170

               2  Corn will be discounted for excessive kernel damage (excluding heat
                  damage) as follows:
                  Kernel Damage %     DF    Kernel Damage %   DF   Kernel Damage %   DF
                    10 and below     None      18.01-19      .079     27.01-28      .127
                    10.01-11         .030      19.01-20      .085     28.01-29      .131
                    11.01-12         .036      20.01-21      .091     29.01-30      .135
                    12.01-13         .043      21.01-22      .097     30.01-31      .139
                    13.01-14         .049      22.01-23      .102     31.01-32      .143
                    14.01-15         .056      23.01-24      .108     32.01-33      .147
                    15.01-16         .062      24.01-25      .114     33.01-34      .150
                    16.01-17         .068      25.01-26      .118     34.01-35      .154
                    17.01-18         .073      26.01-27      .122 Above 35 - See Section 3

                  Corn with (A) a test weight below 30 pounds per bushel and/or kernel
                  damage above 35 percent; (B) a musty, sour, or commercially objection-
                  able foreign odor; or (C) the presence of substances or conditions
                  identified by the Food and Drug Adminstration or other public health
                  organizations of the United States as injurious to human or animal
                  health; may be allowed a Discount Factor.  To determine the Discount
                  Factor, the reduction in value (RIV) caused by the defiencies, sub-
                  tances, or conditions allowed in (A), (B), and/or (C) will be deter-
                  mined and the total will be divided by the Posted County Price (PCP)*.
                  The RIV will not include any price reduction resulting from any discount
                  factors that are included in sections 1 and 2.

                  A  The RIV's specified in section 3 will be limited to those that are
                     usual, customary, and reasonable.  If the RIV can be decreased by
                     conditioning the production, the RIV after conditioning may be
                     increased by the cost of conditioning, provided that the resulting
                     RIV does not exceed the RIV before conditioning.  No RIV will be
                     accepted if it is due to (1) moisture content; (2) damage due to
                     uninsured causes; or (3) drying, handling, processing, or any other
                     costs associated with normal harvesting, handling, and marketing of
                     the production.

                  B  RIV's used will be those in the local market area in which you
                     normally market the crop, to the extent feasible.  If the RIV for
                     a buyer located outside your local market area is less than the RIV
                     in your local market area, then the RIV may be increased by the
                     additional costs required to deliver the production to the buyer,
                     provided that the resulting RIV does not exceed the RIV in your local
                     market area.  If the damaged production has been sold, the Discount
                     Factor will be based upon the RIV's applied by the buyer unless it
                     is determined that such RIV's are not usual, customary, and
                     reasonable.

                  C  For production we determine has no value in and outside your local
                     market area, you may offer a value or may intend to utilize such
                     production in a manner which establishes  a value.  In such cases, the
                     value we agree to will be utilized in accordance with our approved
                     procedures to determine the RIV for quality adjustment purposes
                     according to section 3 herein.

                  D  The RIV's and PCP will those in effect on the earlier of the date
                     such quality-adjusted production is sold or the date of final
                     inspection for the unit.

                  *  "Posted County Price (PCP)" is the price established by the Commodity
                     Credit Corporation (CCC) for yellow corn for the county shown on your
                     application.  If multiple counties are shown on your application, it
                     is the county in which the insured unit is located.

 6CR   1999    If the CCC discontinues establishing PCP's for the county, the PCP will be
               the Local Market Price.

 6DA   2003    Any acreage that is interplanted with another perennial crop is insurable
               unless we inspect the acreage and determine that it does not meet the
               requirements contained in your policy.

 6DE   2002    You may be eligible for a premium discount based on your insurance
               experience.  Contact your insurance provider for specific information
               concerning this discount.

 6DW   1998    For the purpose of section 9 (Replanting Payments) of the Small Grains Crop
               Provisions, a replanting payment will be calculated using the price
               election for the type of wheat that is replanted and insured.  For example, if
               damaged Durum wheat (type 015) acreage is replanted to another spring type
               (type 012), the price election for type 012 will be used to calculate any
               replanting payment that may be due.  A revised acreage report will be
               necessary to record the new type and price election for the replanted
               acreage, and to reflect the new premium amount.  However, if damaged winter
               wheat is replanted with a spring wheat type and insurance continues based on
               the guarantee and the price election for the winter type, any replant payment
               will be based on the winter type.

               Only one price election percentage will be applicable for all wheat types
               insured under one wheat policy.  For example, if you elect a price election
               for Durum wheat equal to 80% of the established price, the price election
               applicable for other wheat types must also be 80% of the established price.

               In the event of loss or damage on a unit for which more than one price
               election is applicable, we will settle your claim by:
               (a)  Multiplying the insured acreage of each type (012/015) by the
                    production guarantee;
               (b)  Multiplying each result by the price election for the applicable type;
               (c)  Adding these dollar values;
               (d)  Multiplying the production to count of each type by the price election
                    for that type;
               (e)  Adding these dollar values;
               (f)  Subtracting the result of step (e) from the result of step (c); and,
               (g)   Multiplying the result by your share.

 6EB   2003    FOB shipping point price information for Maryland and Pennsylvania reported
               in "Peach Market News Service" published by the Pennsylvania Department of
               Agriculture will be used to determine the applicable average FOB shipping
               point according to the provisions of the policy.

               Allowable cost for fresh peaches for determining actual price per bushel
               will be $4.50 per bushel.  Allowable cost for processing peaches for
               determining actual price per bushel will be $1.75 per bushel.

 6EC   2003    FOB shipping point price information for Maryland and Pennsylvania reported
               in "Peach Market News Service" published by the Pennsylvania Department of
               Agriculture will be used to determine the applicable average FOB shipping
               point price according to the provisions of the policy.

               Allowable cost for fresh peaches for determining actual price per bushel
               will be $5.00 per bushel.  Allowable cost for processing peaches for
               determining actual price per bushel will be $1.75 per bushel.

 6ED   2003    FOB shipping point price information for New Jersey reported in the "New
               Jersey Fresh Fruit and Vegetable Report" will be used to determine the
               applicable average FOB shipping point price according to the provisions of
               the policy.

               Allowable cost for fresh peaches for determining actual price per bushel
               will be $5.50 per bushel.  Allowable cost for processing peaches for
               determining actual price per bushel will be $1.75 per bushel.

 6EE   2003    FOB shipping point price information published by the Federal-State Market
               News Service will be used to determine the applicable average FOB shipping
               point price according to the provisions of the policy.

               Allowable cost for fresh peaches for determining actual price per bushel
               will be $5.00 per bushel.  Allowable cost for processing peaches for
               determining actual price per bushel will be $1.75 per bushel.

 6FV   2003    Insurance will not attach on this crop for the winter planted practice in rate
               area C.

 6GC   1998    CAT coverage is the 65% coverage level with 60% of the maximum protection
               per acre.

 6IB   1996    Blueberries grown and insured under the rates for the irrigated practice
               will have irrigation water supplied through an overhead solid set
               irrigation system.

 6IO   1996      ** Without Frost Protection - Drip irrigation, traveling gun, and/or
               other types of irrigation systems that supply water to the bushes through
               the soil and roots

 6IW   1996      ** With Frost Protection - Overhead solid set irrigation system

 6JS   2003    Rate map areas are to be interpreted as follows:  The first digit of the
               Rate Map Area is the FCI-33 Crop Insurance Actuarial Map area.  If no map
               is applicable, the first digit will be "1".  The last two digits are the
               Crush Reporting District code for the applicable Crush Districts in the
               county.

 6KJ   1998    Crops will not be insurable on non-irrigated acreage, if they are planted
               following another crop that has reached the heading stage and/or that has
               been harvested in the same calendar year.

 6KP   2003    FOB shipping point price information for Central Georgia (Thomasville,
               Georgia) reported in "Southeastern Fruit and Vegetable Report" will be used
               to determine the applicable average FOB shipping point price according to
               the provisions of the policy.

               Allowable cost for fresh peaches for determining actual price per bushel
               will be $5.00 per bushel.  Allowable cost for processing peaches for
               determining actual price per bushel will be $1.75 per bushel.

 6KQ   2001    FOB shipping point price information for Central Georgia (Thomasville,
               Georgia) reported in "Southeastern Fruit and Vegetable Report" will be used
               to determine the applicable average FOB shipping point price according to
               the provisions of the policy.  Prices are available on the internet at
               http://www.ams.usda.gov/mncs/mn_reports/tv_fv110.txt

               Allowable cost for fresh peaches for determining actual price per bushel
               will be $4.50 per bushel.  Allowable cost for processing peaches for
               determining actual price per bushel will be $1.75 per bushel.

 6KR   2003    FOB shipping point price information for South Carolina (Columbia, South
               Carolina) reported in the "Southeastern Fruit and Vegetable Report" will
               be used to determine the applicable average FOB shipping point price
               according to the provisions of the policy.

               Allowable cost for fresh peaches for determining actual price per bushel
               will be $4.00 per bushel.  Allowable cost for processing peaches for
               determining actual price per bushel will be $1.75 per bushel.

 6LF   2003    Land flooded due to a breach in a levee resulting from the 1993 flood or
               subsequent flood is insurable.  The applicable rate will be assigned based
               on conditions at the sales closing date.  This land will be classified as
               the high risk area classification found on the FCI-35 that results in the
               highest rate if the levee has not been repaired to prior specifications,
               or if the soil was damaged and was not restored to at least the same crop
               yield potential as prior to the 1993 flood.  The land will be classified as
               shown on the FCI-33 if the levee is repaired to prior specifications and
               the soil has at least the same crop yield potential as prior to the 1993
               flood.

 6LL   2003    Any land identified by an ASCS Farm Serial Number for the county but
               physically located in another county within the state will be classified
               based on the actuarial documents for the county where the land is
               physically located.  If the county where the land is physically located
               does not have actuarial documents for the crop, submit an actuarial request
               to establish classification to the appropriate Regional Office.

 6LM   1996    Any land identified by an ASCS Farm Serial Number for the county but
               physically located in another county within the state will be classified
               based on the actuarial documents for the county where the ASCS Farm Serial
               Number is administered.

 6LQ   1996    FOB shipping points price information for Central Georgia (Thomasville,
               Georgia) reported in "Southeastern Fruit and Vegetable Report" will be used
               to determine the applicable average FOB shipping point price according to
               the provisions of the policy.

               ALLOWABLE COST:
               Allowable cost for fresh peaches for determining actual price per bushel
               will be $5.00 per bushel.  Allowable cost for processing peaches for
               determining actual price per bushel will be $1.75 per bushel.

 6LR   1998    FOB shipping point price information for South Carolina (Columbia, South
               Carolina) reported in the "Southeastern Fruit and Vegetable Report" will be
               used to determine the applicable average FOB shipping point price according
               to the provisions of the policy.

               ALLOWABLE COST:
               Allowable cost for fresh peaches for determining actual price per bushel
               will be $4.50 per bushel.  Allowable cost for processing peaches for
               determining actual price per bushel will be $1.75 per bushel.

 6MB   1996    The market price for malting barley is $2.65.

 6MC   2002    The production guarantee for millet acreage planted during the late
               planting period will be reduced for each day planted after the final
               planting date by: one percent for the first through the tenth day; and
               three percent for the eleventh through the twentieth day.

 6MR   1996    FOB shipping point price information for South Carolina (Columbia, South
               Carolina) reported in the "Southeastern Fruit and Vegetable Report" will be
               used to determine the applicable average FOB shipping point price according
               to the provisions of the policy.

               ALLOWABLE COST:
               Allowable cost for fresh peaches for determining actual price per bushel
               will be $5.00 per bushel.  Allowable cost for processing peaches for
               determining actual price per bushel will be $1.75 per bushel.

 6MS   2001    Acreage not swathed and windrowed by September 30 will have an end of
               insurance date of 09/30.

 6MT   2001    If your average yield of macadamia nuts exceeds 2,700 pounds, and you have
               at least four (4) years of production history, you may request a written
               agreement to increase your amount of insurance coverage on your macadamia
               tree policy.  Contact the Davis Regional Office for specific information.


 6MU   2001    Acreage not swathed and windrowed by September 15 will have an end of
               insurance date of 09/15.

 6MW   2002    Written agreements are applicable for approved millet pilot counties only.

 6NA   1998    For CAT imputed premium calculation purposes, the highest monthly value
               for each risk classification will be multiplied by .27 prior to applying
               the appropriate premium rate.

 6NC   1999    The Nursery Frost, Freeze, and Cold Damage Exclusion Option is not
               available for Catastrophic Risk Protection (CAT).

 6NE   1998    CAT coverage will be equal to the result of multiplying the amount of
               insurance, as specified in subsection 1.(a) of the Nursery Crop Provisions,
               by .60.

 6NF   1998    For CAT coverage only, the amount of any indemnity will be determined by:
                 (1)   Subtracting field market value B from the lesser of: (i) field
                       market value A; or (ii) the highest monthly market value for the
                       unit reported on the nursery plant inventory summary multiplied
                       by .9;
                 (2)   Subtracting the monthly loss deductible (not to exceed the
                       remaining crop year loss deductible) from the product obtained in
                       (1) above;
                 (3)   Multiplying the product obtained in (2) above by .60; and
                 (4)   Multiplying the result by your share.

 6NG   1999    The USDA Plant Hardiness Zone Map in effect is #1475, issued January, 1990.

 6NH   1998    The Producer Premium Percentage Table 1.10 applies to this crop.

 6NI   2000    This crop will be insurable on non-irrigated acreage, only by written
               agreement, if planted following another crop that has reached the heading
               stage and/or that has been harvested in the same calendar year, if you
               provide a minimum of three (3) years' actual production history of the same
               crop to be insured from the same acreage to be insured.  Contact your crop
               insurance agent by the sales closing date to determine eligibility
               requirements.

 6NO   2003    **** Includes Non-Oil varieties

 6NR   1996    FOB shipping point price information for South Carolina (Columbia, South
               Carolina) reported in the "Southeastern Fruit and Vegetable Report" will be
               used to determine the applicable average FOB shipping point price according
               to the provisions of the policy.

               ALLOWABLE COST:
               Allowable cost for fresh peaches for determining actual price per bushel
               will be $5.00 per bushel.  Allowable cost for processing peaches for
               determining actual price per bushel will be $1.75 per bushel.

 6OA   2003    * Includes Temple Oranges, Tangerines, Tangelos and Murcotts.

 6OI   2003    **** Includes Birdseed varieties

 6OR   2003    * Includes Early, Midseason, and Late Oranges, and Navel Oranges.

 6P5   1997    The amount of insurance per acre will depend upon the number of trees per
               acre, the coverage level chosen, and the percentage of the maximum
               dollar value chosen.

 6PA   2003    For purposes of paragraph 6(b)(2) of the Wheat Crop Provisions, you
               must notify your agent no later than March 1 if any insured acreage
               will be destroyed prior to harvest either by grazing or by mechanical
               means. After receiving this notice, we will reduce the premium for
               acreage subsequently destroyed by an amount stated in the actuarial table.
               No premium reduction will be allowed if the required notice is not given,
               or if you claim an indemnity for the acreage.  If the acreage is not
               destroyed as intended, you will be subject to the under-reporting
               provisions contained in section 6 of the Basic Provisions.  Insurance
               coverage will cease on any acreage you do not intend to harvest on the
               date you notify your agent.

 6PB   1998    The Producer Premium Percentage Table T1.1 applies to this crop.

 6PC   2003    Rate Map Area AAA is applicable to all producers unless classified
               otherwise by the Corporation.

 6PD   2003    In addition to the requirements as stated in Section 9 of the Cotton Crop
               Provisions to leave cotton stalks intact for our inspection before
               destruction on damaged acreage; you may request by phone or letter consent
               from your insurance provider to destroy harvested cotton stalks without an
               inspection in order to comply with the Texas Department of Agriculture plow
               down dates applicable to this county.

 6PE   1998    Except for CAT coverage, for the purposes of computing an indemnity, the
               value of each 1-1/9 bushel of production to count determined in
               accordance with the Pepper Crop Insurance Policy will be multiplied by the
               determined price election percentage.  For CAT coverage only, the value
               of each 1-1/9 bushel of production to count will be multiplied by 0.60.

 6PF   1998    The Producer Premium Percentage Table T1.6 applies to this crop.

 6PG   2003    For purposes of paragraph 6(b)(2) of the applicable Crop Provisions,
               you must notify your agent no later than April 1 if any insured acreage
               will be destroyed prior to harvest, either by grazing or by mechanical
               means.  After receiving this notice, we will reduce the premium for
               acreage subsequently destroyed by an amount stated in the actuarial table.
               No premium reduction will be allowed if the required notice is not given,
               or if you claim an indemnity for the acreage.  If the acreage is not
               destroyed as intended, you will be subject to the under-reporting
               provisions contained in section 6 of the Basic Provisions. Insurance coverage
               will cease on any acreage you do not intend to harvest on the date you notify
               your agent.

 6PH   1998    The Producer Premium Percentage Table 1.7 applies to this crop.

 6PI   1996    The Producer Premium Percentage Table 1.11 applies to this crop.

 6PJ   1998    The Producer Premium Percentage Table T1.10 applies to this crop.

 6PK   2003    For purposes of paragraph 6(b)(2) of the CRC Wheat Crop Provisions,
               you must notify your agent no later than April 1 if any insured acreage
               will be destroyed prior to harvest, either by grazing or by mechanical
               means.  After receiving this notice, we will reduce the premium for
               acreage subsequently destroyed by an amount stated in the actuarial table.
               No premium reduction will be allowed if the required notice is not given,
               or if you claim an indemnity for the acreage.  If the acreage is not
               destroyed as intended, you will be subject to the under-reporting
               provisions contained in subsection 7(g) of the CRC Basic Provisions
               Insurance coverage will cease on any acreage you do not intend to
               harvest on the date you notify your agent.

 6PL   2003    For purposes of paragraph 6(b)(2) of the CRC Wheat Crop Provisions, you
               must notify your agent no later than March 1 if any insured acreage will
               be destroyed prior to harvest either by grazing or by mechanical means.
               After receiving this notice, we will reduce the premium for acreage
               subsequently destroyed by an amount stated in the actuarial table.  No
               premium reduction will be allowed if the required notice is not given, or
               if you claim an indemnity for the acreage.  If the acreage is not destroyed
               as intended, you will be subject to the under-reporting provisions
               contained in subsection 7(g) of the CRC Basic Provisions.  Insurance coverage
               will cease on any acreage you do not intend to harvest on the date you notify
               your agent.

 6PM   2003    For purposes of paragraph 6(b)(2) of the CRC Wheat Crop Provisions, you
               must notify your agent no later than February 15 if any insured acreage
               will be destroyed prior to harvest either by grazing or by mechanical
               means.  After receiving this notice, we will reduce the premium for acreage
               subsequently destroyed by an amount stated in the actuarial table.  No
               premium reduction will be allowed if the required notice is not given, or
               if you claim an indemnity for the acreage.  If the acreage is not
               destroyed as intended, you will be subject to the under-reporting
               provisions contained in subsection 7(g) of the CRC Basic Provisions. Insurance
               coverage will cease on any acreage you do not intend to harvest on the date you
               notify your agent.

 6PN   1998    The Producer Premium Percentage Table 1.8 applies to this crop.

 6PO   2003    For purposes of paragraph 6(b)(2) of the Small Grains Crop Provisions, you
               must notify your agent no later than March 1 if any insured acreage will
               be destroyed prior to harvest either by grazing or by mechanical means.
               After receiving this notice, we will reduce the premium for acreage
               subsequently destroyed by an amount stated in the actuarial table.  No
               premium reduction will be allowed if the required notice is not given, or
               if you claim an indemnity for the acreage.  If the acreage is not destroyed
               as intended, you will be subject to the under-reporting provisions
               contained in section 6 of the Basic Provisions.  Insurance coverage will cease
               on any acreage you do not intend to harvest on the date you notify your agent.

 6PP   2003    For the purposes of pargraph 6(b)(2) of the CRC Wheat Crop Provisions,
               you must notify your agent no later than March 15 if any insured acreage
               will be destroyed prior to harvest either by grazing or by mechanical
               means.  After receiving this notice, we will reduce the premium for acreage
               subsequently destroyed by an amount stated in the actuarial table.  No
               premium reduction will be allowed if the required notice is not given, or
               if you claim an indemnity for the acreage.  If the acreage is not destroyed
               as intended, you will be subject to the under-reporting provisions
               contained in subsection 7 (g) of the CRC Basic Provisions.  Insurance coverage
               will cease on any acreage you do not intend to harvest on the date you notify
               your agent.

 6PQ   1998    The Producer Premium Percentage Table 1.4 applies to this crop.

 6PR   1998    The Producer Premium Percentage Table T1.3 applies to this crop.

 6PS   1999    The Producer Premium Percentage Table T1.2 applies to this crop.

 6PT   1997    The Producer Premium Percentage Table T1.5 applies to this crop.

 6QS   2003    For determining indemnities, the same percentage of the support price used
               to determine the amount of insurance for CAT (i.e., 55 percent of the
               support price) and additional coverage policies will be used to establish
               the value of production to count.

 6QT   2000    For determining indemnities, the same percentage of the support price used
               to determine the amount of insurance for CAT (i.e., 60 percent of the
               support price) and additional coverage policies will be used to establish
               the value of production to count.

 6RA   1995    The dollar amount of insurance per ton will be determined by multiplying
               the percentage for the coverage level elected by the reference maximum
               dollar amount, and rounding the result to the next highest whole dollar
               not to exceed $620.

 6RB   2002    The producer premium is determined as follows:
               Unit Liability x Base Rate x Classification Area Factor x Premium
               Adjustment Factor x Producer Premium Percentage.

 6RY   2002    For the purposes of computing an indemnity, the insurance price for all
               coverage levels will be the reference maximum dollar amount.

               For CAT coverage only, the amount of any indemnity will be determined by:
               (1)  multiplying the insured tonnage of raisins by 50% of the reference
                    maximum dollar amount;
               (2)  subtracting therefrom the adjusted value to count of the insured tons
                    of raisins;
               (3)  multiplying this result by 0.55; and,
               (4)  multiplying this result by your share.

 6SA   1996    Acreage planted after May 31 to sunflower seed varieties of more than 94
               day physical maturity will be uninsurable.  Proof of variety planted
               after May 31 must be provided by the acreage reporting date and placed in
               the insured's file.

 6SC   1998    Except of CAT coverage, for the purposes of computing an indemnity, the
               value of each 42-pound crate of production to count determined in
               accordance with the Fresh Market Sweet Corn Policy will be multiplied by
               the determined price election percentage.  For CAT coverage only, the
               value of each 42-pound crate of production will be multiplied by 0.60.

 6SF   1998    Sunflower seed acreage initially planted in rows not far enough apart to
               permit cultivation (NIBR) will be insurable only by written agreement.  The
               NIBR practice may be insurable if you have and provide:

                    A minimum of two (2) years Actual Production History (APH) for the
                      NIBR practice.
                    A minimum of two (2) non-loss years for the NIBR practice.
                    Evidence of NIBR farming practices and adaptability.

               Contact your insurance provider by the sales closing date to complete your
               request for a written agreement.

 6SH   1997    Any acreage of alfalfa, located above 1500 feet elevation, the seventh and
               succeeding crop years after the year of establishment will be insurable
               only by written agreement.  If you were insured last year, you must make a
               request through your crop insurance agent for coverage on overage stands by
               October 31 preceding the sales closing date.  New insureds must make
               requests by November 30.  An inspection or other acceptable evidence of an
               adequate stand must accompany the request and is required to determine if
               the acreage is insurable.  Any request for coverage on overage stands,
               including supporting documentation, which is not submitted by the
               applicable dates provided above, will be denied and your overage stand will
               not be insurable.  Contact your crop insurance agent for more information
               on overage stands.

               Any acreage of alfalfa, located below 1500 feet elevation, the fourth and
               succeeding crop years after the year of establishment will be insurable
               only be written agreement.  If you were insured last year, you must make
               a request through your crop insurance agent for coverage on overage stands
               by October 31 preceding the sales closing date.  New insureds must make
               requests by November 30.  An inspection or other acceptable evidence of an
               adequate stand must accompany the request and is required to determine if
               the acreage is insurable.  Any request for coverage on overage stands,
               including supporting documentation, which is not submitted by the
               applicable dates provided above, will be denied and your overage stand will
               not be insurable.  Contact your crop insurance agent for more information
               on overage stands.

 6SM   2003    For purposes of paragraph 6(b)(2) of the Small Grains Crop Provisions, you
               must notify your agent no later than February 15 if any insured acreage
               will be destroyed prior to harvest either by grazing or by mechanical
               means.  After receiving this notice, we will reduce the premium for acreage
               subsequently destroyed by an amount stated in the actuarial table.  No
               premium reduction will be allowed if the required notice is not given, or
               if you claim an indemnity for the acreage.  If the acreage is not
               destroyed as intended, you will be subject to the under-reporting
               provisions contained in section 6 of the Basic Provisions. Insurance coverage
               will cease on any acreage you do not intend to harvest on the date you notify
               your agent.

 6SP   2003    For the purposes of paragraph 6(b)(2) of the applicable Crop Provisions,
               you must notify your agent no later than March 15 if any insured acreage
               will be destroyed prior to harvest either by grazing or by mechanical
               means.  After receiving this notice, we will reduce the premium for acreage
               subsequently destroyed by an amount stated in the actuarial table.  No
               premium reduction will be allowed if the required notice is not given, or
               if you claim an indemnity for the acreage.  If the acreage is not destroyed
               as intended, you will be subject to the under-reporting provisions
               contained in section 6 of the Basic Provisions.  Insurance coverage will cease
               on any acreage you do not intend to harvest on the date you notify your agent.

 6SR   1997    To qualify for a reduced premium rate for acreage that will be destroyed
               prior to harvest to comply with a USDA Farm Program, you must be signed
               up for the program and you must notify your agent not later than April
               30.  (See paragraph 6.(b)(2) of the Small Grains Crop Provisions).

 6SS   1996    Written agreements may be issued to insure soybean acreage seeded by
               equipment that delivers the seed to the soil utilizing forced or
               pressurized air, if specific standards provided for in the written
               agreement are met.  The premium rate for such acreage will be the rate
               corresponding to the practice.  The practice codes for such acreage will
               be (A85 Irrigated) and (A86 NIBR Non-Irrigated).

 6ST   2003      **Spring Transplanting Period - April 10 through May 10.

 6TC   2003    Insurance will not attach to any acreage on which potatoes were planted the
               preceding crop year unless authorized by written agreement; however,
               potatoes will be insurable any two of the first three years on land that has
               not
               been previously planted to potatoes.  Contact your crop insurance agent
               for specific information.

 6TG   1997    Percentages shown for each of the three types of table grapes (071, 072,
               073) on a unit refer to acreage of one variety.

 6TO   1998    Except for CAT coverage, for the purposes of computing an indemnity, the
               value of each 25-pound carton of production to count determined in
               accordance with the Fresh Market Tomato (Dollar Plan Policy) will be
               multiplied by the determined price election percentage.  For CAT coverage
               only, the value of each 25-pound carton of production to count will be
               multiplied by 0.55.

 6TY   2001    Please refer to the Perennial Crop Transitional Yield and Acreage
               Tolerance Listing for the t-yields available for this crop.

 6UB   2000    The unit must have produced 1500 lbs/acre within the base period to meet
               the minimum production insurability requirements.

 6WA   2003    Acreage insured under the Winter Coverage Endorsement Option A or Option B
               will have a final planting date of 09/15.  Options A and B are not
               applicable to winter wheat acreage initially planted after 09/15.
               Acreage insured under the Winter Coverage Endorsement Option A or Option B
               will have an acreage reporting date of 12/15.

 6WB   2003    Acreage insured under the Winter Coverage Endorsement Option A or Option B
               will have a final planting date of 09/30.  Options A and B are not
               applicable to winter wheat acreage initially planted after 09/30.
               Acreage insured under Winter Coverage Endorsement Option A or B will have
               an acreage reporting date of 12/15.

 6WD   2003    Acreage insured under the Winter Coverage Endorsement Option A or Option B
               will have a final planting date of 10/31.  Options A and B are not
               applicable to winter wheat acreage initially planted after 10/31.
               Acreage insured under Winter Coverage Endorsement Option A or Option B will
               have an acreage reporting date of 12/15.

 6WE   2003    Acreage insured under the Winter Coverage Endorsement Option A or Option B
               will have a final planting date of 11/05. Options A and B are not
               applicable to winter wheat acreage initially planted after 11/05.
               Acreage insured under the Winter Coverage Endorsement Option A or Option B
               will have an acreage reporting date of 12/15.

 6WF   2003    Acreage insured under the Winter Coverage Endorsement Option A or Option B
               will have a final planting date of 11/15.  Options A and B are not
               applicable to winter wheat acreage initially planted after 11/15.
               Acreage insured under Winter Coverage Endorsement Option A or Option B will
               have an acreage reporting date of 12/15.

 6WG   2003    Acreage insured under the Winter Coverage Endorsement Option A or Option B
               will have a final planting date of 11/30.  Options A and B are not
               applicable to winter wheat acreage initially planted after 11/30.
               Acreage insured under Winter Coverage Endorsement Option A or Option B
               will have an acreage reporting date of 12/15.

 6WH   2003    Acreage insured under the Winter Coverage Endorsement Option A or Option B
               will have a final planting date of 12/15.  Options A and B are not
               applicable to winter wheat acreage initially planted after 12/15.
               Acreage insured under Winter Coverage Endorsement Option A or Option B will
               have an acreage reporting date of 12/15.

 6WI   2003    Acreage insured under the Winter Coverage Endorsement Option A or Option B
               will have a final planting date of 10/15.  Options A and B are not
               applicable to winter wheat acreage initially planted after 10/15.
               Acreage insured under Winter Coverage Endorsement Option A or Option B will
               have an acreage reporting date of 12/15.

 6WM   2003    Acreage insured under the Winter Coverage Endorsement Option A or Option B
               will have a final planting date of 10/31 and an acreage reporting date
               of 11/15.  Options A and B are not applicable to winter wheat acreage
               initially planted after 10/31.

 6XC   2003    FOB shipping point price information for Michigan reported in "Michigan
               Fruit and Vegetable Report" provided by the USDA Fruit and Vegetable Market
               News Service (Benton Harbor, Michigan) will be used to determine the
               applicable average FOB shipping point price according to the provisions of
               the policy.

               Allowable cost for fresh peaches for determining actual prices per bushel
               will be $4.00 per bushel.  Allowable cost for processing peaches for
               determining actual price per bushel will be $1.75 per bushel.

 7A1   2003    Written agreements are applicable for approved avocado pilot counties
               only.

 7A2   1998    There is a one-year lag period in reporting production.  Production reports
               through the 1996 crop year are required for the 1998 crop year.

 7A3   1998    The long term average county revenue is $4139 per acre.

 7A5   1998    The 65 percent transitional yields are:  1996 = 1612 lbs. per acre,
               1995 = 4222 lbs. per acre, 1994 = 2363 lbs. per acre, 1993 = 7562 lbs.
               per acre.

 7A6   2004    Any unit that 35 percent or more of the bearing trees have been removed
               or stumped in the previous year is not insurable unless we agree in
               writing to insure the unit.  Written agreements are not available for
               CAT.

               Any unit that is 100 percent stumped will not be insurable until the third
               crop year after the crop year in which the stumping was completed.

 7A7   1998    CATASTROPHIC RISK PROTECTION (CAT)
               For purposes of CAT, coverage will be equal to the approved average
               revenue times 30 percent.  Optional units are not available for CAT.

 7A8   1998    The inputed premium will be 60 percent of the premium at the 50 percent
               coverage level.

 7AC   2003    This crop will be insurable on non-irrigated acreage, only by written
               agreement, if planted following another crop that has reached the heading
               stage in the same calendar year, if you provide a minimum of three (3)
               years actual production history of the same crop to be insured from the
               same acreage to be insured.  Contact your crop insurance agent by the sales
               closing date to determine eligibility requirements.

 7AI   1998    CATASTROPHIC RISK PROTECTION (CAT)
               For purposes of CAT, coverage will be equal to the producer's approved
               APH yield times the projected prices times 30 percent.

 7AP   2003    The Projected Price - The average derived by totaling the final closing
               daily settlement prices for the insured crop year Chicago Board of
               Trade (CBOT) November soybeans future contracts of each trading day from
               January 15 through February 14 prior to the sales closing date, and
               dividing that total by the number of daily settlement prices.  The
               projected price will be calculated by FCIC before February 20.

 7AW   2003    This crop will be insurable only by written agreement when planted
               following another crop that has reached the heading stage in the same
               calendar year.  You must provide at least three (3) years of actual
               production history for the crop and practice on acreage to be insured.
               Contact your crop insurance agent by the sales closing date to determine
               eligibility requirements.

 7BA   2003    Blueberry bushes pruned by mowing the bushes to the ground will not be
               insurable the first and second growing season after mowing.  The crop
               will become insurable the third growing season after cutting the bushes
               to the ground.

 7BB   2003    Lowbush blueberry plants shall be insurable the second growing season
               following pruning.  Insurance attaches the second year of a two year cycle,
               with the first year vegetative and the second year fruiting.

 7BD   2003    Blueberry bushes pruned by mowing the bushes to the ground will not be
               insurable the first growing season after mowing.  The crop will become
               insurable the second growing season after cutting the bushes to the
               ground.

 7BH   1997    HIGH RISK CLASSIFICATION
               The FCI-33 CROP INSURANCE ACTUARIAL MAP applicable to corn in this county
               will be applicable to IP corn.  Land designated as high risk is not
               eligible for insurance according to the IP Corn Crop Provisions.

 7BP   2003    The Projected Price - The average derived by totaling the final closing
               daily settlement prices for the insured crop year Chicago Board of Trade
               (CBOT) November soybeans futures contract for each trading day of
               February prior to the sales closing date, and dividing that total by the
               number of daily settlement prices.  The projected price will be calculated
               by FCIC before March 5.

 7BQ   1998    Subparagraph 11(d) (3) (ii) of the Small Grains Crop Provisions does not
               apply. In lieu of the provisions in paragraph 11(d) (4) of the Small
               Grains Crop Provisions, barley production that has a musty, sour, or
               commercially objectionable foreign odor (except smut or garlic odor) or
               that is otherwise eligible for quality adjustment, as specified in
               paragraphs 11(d) (2) and (3) of such provisions, will be reduced as
               follows:

               The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count. The QA Factor (not less than zero) will be multiplied by the number
               of bushels remaining after any reduction due to excessive moisture (in
               accordance with the Small Grains Crop Provisions) to determine the net
               production to count. Any grain which, due to insurable causes, has zero
               market value (net zero market value after consideration of additional costs to
               deliver damaged grain to a market of reasonable distance outside your local
               marketing area) will not be considered production to count if the production is
               destroyed.  Production that is not destroyed in a manner acceptable to us will
               be adjusted in accordance with the rules below for the respective types and
               levels of damage.  Additional costs to deliver grain outside your local market
               will be allowed only for types and levels of damage included in Section 6.

               1  Barley will be discounted for low test weight as follows:

               Test Weight Pounds   DF  Test Weight Pounds   DF  Test Weight Pounds    DF
                   40 and above    None     36-36.99        .084     32-32.99         .134
                   39-39.99        .046     35-35.99        .096     31-31.99         .143
                   38-38.99        .059     34-34.99        .109     30-30.99         .153
                   37-37.99        .071     33-33.99        .121 Below 30 - See Section 6

               2  Barley will be discounted for excessive kernel damage (excluding heat
                  damage) as follows:

                  Kernel Damage %   DF   Kernel Damage %     DF   Kernel Damage %    DF
                    8 and below    None     17.01-18        .115     27.01-28       .242
                    8.01-9         .025     18.01-19        .127     28.01-29       .255
                    9.01-10        .034     19.01-20        .140     29.01-30       .268
                   10.01-11        .042     20.01-21        .153     30.01-31       .280
                   11.01-12        .051     21.01-22        .166     31.01-32       .293
                   12.01-13        .059     22.01-23        .178     32.01-33       .306
                   13.01-14        .068     23.01-24        .191     33.01-34       .319
                   14.01-15        .076     24.01-25        .204     34.01-35       .331
                   15.01-16        .089     25.01-26        .217  Above 35 - See Section 6
                   16.01-17        .102     26.01-27        .229

               3  Barley will be discounted for percent sound barley as follows:

                   Sound Barley %   DF   Sound Barley %    DF   Sound Barley %    DF
                     85 and above  None    73-73.99       .059    61-61.99       .110
                     84-84.99      .026    72-72.99       .064    60-60.99       .115
                     83-83.99      .029    71-71.99       .068    59-59.99       .119
                     82-82.99      .031    70-70.99       .072    58-58.99       .123
                     81-81.99      .034    69-69.99       .076    57-57.99       .127
                     80-80.99      .037    68-68.99       .081    56-56.99       .132
                     79-79.99      .040    67-67.99       .085    55-55.99       .136
                     78-78.99      .043    66-66.99       .089    54-54.99       .140
                     77-77.99      .046    65-65.99       .093    53-53.99       .144
                     76-76.99      .049    64-64.99       .098    52-52.99       .149
                     75-75.99      .052    63-63.99       .102    51-51.99       .153
                     74-74.99      .055    62-62.99       .106    50-50.99       .157
                                                               Below 50 - See Section 6

 7BR   1998    4  Barley will be discounted for percent thin barley as follows:

                   Thin Barley %   DF   Thin Barley %    DF   Thin Barley %    DF
                    35 and below  None    56.01-57      .117    78.01-79      .209
                    35.01-36      .029    57.01-58      .121    79.01-80      .213
                    36.01-37      .033    58.01-59      .125    80.01-81      .217
                    37.01-38      .038    59.01-60      .130    81.01-82      .222
                    38.01-39      .042    60.01-61      .134    82.01-83      .226
                    39.01-40      .046    61.01-62      .138    83.01-84      .230
                    40.01-41      .050    62.01-63      .142    84.01-85      .234
                    41.01-42      .054    63.01-64      .146    85.01-86      .238
                    42.01-43      .059    64.01-65      .150    86.01-87      .242
                    43.01-44      .063    65.01-66      .155    87.01-88      .247
                    44.01-45      .067    66.01-67      .159    88.01-89      .251
                    45.01-46      .071    67.01-68      .163    89.01-90      .255
                    46.01-47      .075    68.01-69      .167    90.01-91      .259
                    47.01-48      .079    69.01-70      .171    91.01-92      .263
                    48.01-49      .084    70.01-71      .176    92.01-93      .268
                    49.01-50      .088    71.01-72      .180    93.01-94      .272
                    50.01-51      .092    72.01-73      .184    94.01-95      .276
                    51.01-52      .096    73.01-74      .188    95.01-96      .280
                    52.01-53      .100    74.01-75      .192    96.01-97      .284
                    53.01-54      .104    75.01-76      .196    97.01-98      .288
                    54.01-55      .109    76.01-77      .201    98.01-99      .293
                    55.01-56      .113    77.01-78      .205    99.01-100     .297

               5  Barley will be discounted for black barley; and an ergoty, garlicky,
               or smutty grade as follows:

                  Black Barley = .042  Ergoty = .013  Garlicky = .017  Smutty = .017

               6  Barley with (A) a test weight below 30 pounds per bushel; (B) a kernel
               damage percentage above 35 percent; (C) a sound barley percentage below
               50 percent; (D) a musty, sour, or commercially objectionable foreign
               odor (except smut or garlic odor); and/or (E) the presencce of
               substances or conditions identified by the Food and Drug Administration
               or other public health organizations of the United States as injurious
               to human or animal health; may be allowed a discount factor. To determine
               the Discount Factor, the reduction in value (RIV) caused by the
               deficiencies, substances, or conditions allowed in (A), (B), (C), (D),
               and/or (E) will be determined and the total will be divided by the
               Posted County Price (PCP)*. The RIV will not include any price
               reduction resulting from any Discount Factors that are included in
               sections 1, 2, 3, 4, and 5.

               A  The RIV's specified in section 6 will be limited to those that are
               usual, customary, and reasonable. If the RIV can be decreased by
               conditioning the production, the RIV after conditioning may be
               increased by the cost of conditioning, provided that the resulting
               RIV does not exceed the RIV before conditioning. No RIV will be
               accepted if it is due to (1) moisture content; (2) damage due to
               uninsured causes; or (3) drying, handling, processing, or any other
               costs associated with normal harvesting, handling, and marketing
               of the production.

 7BS   1999    B   RIV's used will be those in the local market area in which you
               normally market the crop, to the extent feasible. If the RIV for a
               buyer located outside your local market area is less than the RIV in
               your local market area, then the RIV may be increased by the additional
               costs required to deliver the production to the buyer, provided that
               the resulting RIV does not exceed the RIV in your local market area.
               If the damaged production has been sold, the Discount Factor will be
               based upon the RIV's applied by the buyer unless it is determined that
               such RIV's are not usual, customary, and reasonable.

               C  For production we determine has no value in and outside your local market
               area, you may offer a value or may intend to utilize such production in a
               manner which establishes a value. In such cases, the value we establish will be
               utilized in accordance with our approved procedures to determine the
               RIV for quality adjustment purposes according to section 6 herein.

               D  The RIV's and PCP will be those in effect on the earlier of the date
               such quality-adjusted production is sold or the date of final inspection
               for the unit.

               7  If the barley is eligible for quality adjustment according to section 2
               (kernel damage chart) AND section 3 (percent sound barley chart), the
               greater of the two chart Discount Factors will be used.  If the chart
               Discount Factor from section 2 OR section 3 applies, but section 6 also
               applies for either percent kernel damage or percent sound barley, the
               greater of the applicable chart Discount Factor or the Discount Factor
               determined according to section 6 will be used.  In no event will Discount
               Factors be allowed for both kernel damage and percent sound barley.

               * "Posted County Price (PCP)" is the price established by the Commodity
               Credit Corporation (CCC) for barley in the county shown on your
               application. If multiple counties are shown on your application, it is
               the county in which the insured unit is located. If the CCC
               discontinues establishing PCP's for the county, the PCP will be the
               Local Market Price as defined in the Small Grains Crop Provisions.

 7BW   1997    Broadcast wheat will not be insured unless the acreage has an adequate
               stand in the spring to produce the yield used to determine the
               production guarantee.  Insurance will then attach to acreage having an
               adequate stand on the earlier of the spring final planting date or the
               date we agree in writing to accept the acreage for insurance.

 7C0   2002    For the purposes of section 13(c) of the CRC Basic Provisions, an
               elevation of 742 feet above sea level will be considered to be the
               maximum water containment level of Truman Lake.  See form FCI-33 Rules Page
               for rate information specific to land that is adjacent to the Truman Lake
               water containment area and that has an elevation of 742 feet above sea
               level or less.

 7CA   2003      ** Insurance will attach only on potatoes planted during the period of
               November 15 - March 15.

 7CB   1999      ** Insurance will attach only on potatoes planted during the period
               of July 1 - September 15.

 7CC   2003    Insurance will not attach to any acreage on which potatoes were planted
               the preceding crop year unless another irrigated crop was planted following
               the harvest or removal of the potatoes in the same crop year.

 7CD   1998    Settlement of Claim:  Revenue Assurance (RA) policy provisions only provide
               for corn coverage if the corn is planted for harvest as grain.  However,
               if you later decide to harvest some insurable acreage as silage you must
               notify your crop insurance agent of your decision before harvest begins.
               Production to count for indemnity purposes for such acreage will be
               determined on our appraisals based on the type (grain only) you reported
               for coverage.  If you fail to give such notice before harvest, the selected
               per acre revenue guarantee (approved yield, times the coverage level, times
               the projected county price) will be used for such acreage.

 7CF   1997     *** This county crop program is insurable as Revenue Assurance corn.

 7CG   1997     *** This county crop program is insurable as Revenue Assurance soybeans.

 7CH   2003    Settlement of Claim:  CRC policy provisions only provide for corn coverage
               if the corn is planted for harvest as grain.  However, if you later decide
               to harvest some insurable acreage as silage you must notify your crop
               insurance agent of your decision before harvest begins.  Production to
               count for indemnity purposes for such acreage will be determined on our
               appraisals based on the type (grain only) you reported for coverage.  If
               you fail to give such notice before harvest, the final guarantee will be
               used for such acreage.

 7CI   1997     *** This county crop program is insurable as Income Protection Corn.

 7CL   2003    Settlement of Claim:  In lieu of any policy provisions providing otherwise,
               if you intend to harvest any acreage in a manner other than as you reported
               it for coverage (for example, you reported planting it for harvest as grain
               but will harvest the acreage for silage, or you reported planting it for
               harvest as silage but will harvest the acreage for grain), you must notify
               your insurance provider of your intentions before harvest begins.  Production
               to count for indemnity purposes of such acreage will be determined on our
               appraisals based on the type (grain or silage) you reported for coverage.  If
               you fail to give such notice before harvest, the production guarantee will be
               used to determine the production to count for such acreage.

               Insured Crop:  In lieu of any policy provision that specify high oil and
               high-protein corn are not insurable unless approved by written agreement, the
               following will be insurable without a written agreement:

                  1.  High-oil corn blends containing mixtures of at least ninety percent
                      high yielding yellow dent female plants with high-oil male
                      pollinator plants and,

                  2.  Commercial varieties of high-protein hybrids.

 7CM   2003    Grade of Strict Low middling,(41) Leaf 4, 1 3/32 inch staple length and 4.4
               micronaire reading will be used for quality adjustments in accordance with
               the provisions of the insurance policy.

 7CN   2003    Insurance will not attach to any acreage on which canola, mustard, crambe,
               field peas, garbanzo beans (chickpeas), lentils or rapeseed were planted
               any of the preceding three crop years.

 7CO   2001    Insured Crop: In lieu of any policy provisions that specifies that
               high-oil and high-protein corn are not insurable unless approved by
               written agreement, the following will be insurable without a written agreement:

                    1.  High-oil corn blends containing mixtures of at least ninety
                        percent high yielding yellow dent female plants with high-oil
                        male pollinator plants and,

                    2.  Commercial varieties for high-protein hybrids.

 7CP   2002    For the purposes of section 12(c) of the Common Crop Insurance Policy, an
               elevation of 742 feet above sea level will be considered to be the maximum
               water containment level of Truman Lake.  See form FCI-33 Rules Page for rate
               information specific to land that is adjacent to the Truman Lake water
               containment area and that has an elevation of 742 feet above sea level or less.

 7CR   1998    Any acreage in this county for which a rate has not been established or
               which has been designated as uninsurable or unclassified on the FCI-33
               CROP INSURANCE ACTUARIAL MAP is uninsurable, unless such acreage is
               classified by an FCI-33 CROP INSURANCE ACTUARIAL SUPPLEMENT as being
               insurable using the applicable R-span rate.

 7CS   2003    A cotton crop which is properly planted, using a machine designed for such
               purpose, into an established grass or legume, will be insurable provided
               that prior to the emergence of the planted crop, the established grass or
               legume is treated with a herbicide which is labeled and recommended for
               the purpose of killing the established grass or legume.

 7CT   1997    APH transitional yields for cotton apply to this county crop program.
               Please refer to the Transitional Yield Table on the County Coverage and
               Rate Table for cotton in this county to determine the applicable
               Transitional Yields for IP cotton.

 7CV   2002    For the purposes of section 12(c) of the CRC Basic Provisions, an
               elevation of 742 feet above sea level will be considered to be the
               maximum water containment level of Truman Lake.  See form FCI-33 Rules Page
               for rate information specific to land that is adjacent to the Truman Lake
               water containment area and that has an elevation of 742 feet above sea
               level or less.

 7CW   1997     *** This county crop program is insurable as Crop Revenue Coverage (CRC)
               Wheat.

 7CX   1999    The FCI-33 CROP INSURANCE ACTUARIAL MAP applicable to corn in this county
               will be applicable to Revenue Assurance corn.  Any designation on the
               FCI-33 Supplement does not apply to the RA Corn Crop Provisions.

 7CY   1997    APH transitional yields for corn apply to this county crop program.
               Please refer to the Transitional Yield Table on the County Coverage and
               Rate Table for corn in this county to determine the applicable
               Transitional Yields for IP corn.

 7DS   2003     *** Includes fall planted wheat which the Insurance Provider has agreed
               in writing to insure as spring wheat.

 7DV   2003    If any production from any unit will be marketed directly to the
               consumer (without the intervention of a wholesaler, retailer, packer,
               processor, shipper or buyer), a pre-harvest crop appraisal is required.
               Notification to us must be provided at least 15 days before harvest
               begins.  This requirement may be waived, in writing by the Regional Office,
               based upon evidence that acceptable supporting documentation is being
               maintained as required in the Crop Insurance Handbook.

 7DW   1998    Durum wheat is insurable as Spring type wheat under Crop Revenue Coverage
               (CRC) Wheat.

 7F2   1998    APPROVED MALTING BARLEY VARIETIES:  Azure
                                                   B1602
                                                   Excel
                                                   Morex
                                                   Robust
                                                   Stander

               All varieties recommended for malting by the American Malting Barley
               Association, Inc.

               Varieties meeting the conditions set forth in the Malting Barley Option
               Amendment, but not shown as an approved variety, will be insured.  Contact
               your crop insurance agent by the sales closing date to determine
               eligibility requirements.

 7FF   2003    If the grower selects type 111, they must provide one year of fresh fruit
               records from at least one of the two previous crop years.  This would
               verify fresh apples have been produced on the unit to be insured.

 7FH   1999    To provide guidance in interpreting the USDA Plant Hardiness Zone Map,
               Miscellaneous Publication No. 1475, USDA Agricultural Research Service,
               the following county for the State of Florida will have hardiness zone
               designations as listed below:

               011 Broward County

               Hardiness Zone 10A - The land area within the Everglades Wildlife
                                    Management Area.

               Hardiness Zone 10B - The land area east of the Everglades Wildlife
                                    Management Area.

 7FP   2003    DEFINITION OF WITH FROST PROTECTION OPTION - Applicable only to acreage
               adequately protected by frost protection equipment.  This includes service-
               able wind machines that provide a minimum of 7 propeller horsepower per
               acre.  Regardless of horsepower, one wind machine can service no more than
               ten acres.  The adequacy of the frost protection equipment for a unit will
               be determined by the Corporation.

 7FQ   1997    Subparagraph 11(d) (3) (ii) of the Small Grains Crop Provisions does not
               apply.  In lieu of subparagraph 11(d) (2) (i) (E) of the Small Grains
               Crop Provisions, flaxseed will be eligible for quality adjustment if it
               has a musty, sour, or commercially objectionable foreign odor (except smut
               or garlic odor) or if it does not meet the grade requirements for U.S. No.
               2 (grades U.S. Sample Grade) because of test weight and damaged kernels.
               Production of flaxseed that is eligible for quality adjustment, as
               specified above and in paragraphs 11(d) (2) and (3) of the Small Grains
               Crop Provisions, will be reduced (in lieu of the provisions in paragraph
               11(d) (4) of the Small Grains Crop Provisions) as follows:

               The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the
               number of bushels otherwise determined in accordance with the Small Grains
               Crop Provisions, to determine the net production to count.  Any grain
               which, due to insurable causes, has zero market value either before or
               after quality adjustment will not be considered production to count,
               except as provided in subsection 2C herein.

               1  Flaxseed will be discounted for low test weight as follows:

               Test Weight Pounds DF   Test Weight Pounds  DF   Test Weight Pounds  DF
                  47 and above   None     41-41.99        .112     35-35.99        .266
                  46-46.99       .041     40-40.99        .124     34-34.99        .299
                  45-45.99       .056     39-39.99        .154     33-33.99        .322
                  44-44.99       .071     38-38.99        .180     32-32.99        .349
                  43-43.99       .083     37-37.99        .210     31-31.99        .376
                  42-42.99       .098     36-36.99        .237     30-30.99        .405
                                                               Below 30 - See Section 2

               2  Flaxseed with (A) a test weight below 30 pounds per bushel; (B) a
               kernel damage percentage above 15 percent; (C) a musty, sour, or
               commercially objectionable foreign odor (except smut or garlic odor);
               and/or (D) the presence of substances or conditions identified by the
               Food and Drug Administration or other public health organizations of
               the United States as injurious to human or animal health; may be allowed
               a discount factor.  To determine the Discount Factor, the reduction in
               value (RIV) caused by the deficiencies, substances or conditions allowed
               in (A), (B), (C), and/or (D) will be determined and the total will be
               divided by the Regionally Constructed Price (RCP)*.  The RIV will not
               include any price reduction resulting from any Discount Factors that are
               included in section 1.

                 A  The RIV's specified in section 2 will be limited to those that
                    are usual, customary, and reasonable.  If the RIV can be decreased
                    by conditioning the production, the RIV after conditioning may be
                    increased by the cost of conditioning, provided that the resulting
                    RIV does not exceed the RIV before conditioning.  No RIV will be
                    accepted if it is due to (1) moisture content; (2) damage due to
                    uninsured causes; or (3) drying, handling, processing, or any other
                    costs associated with normal harvesting, handling, and marketing of
                    the production.

 7FR   1997       B RIV's used will be those in the local market area in which you
                    normally market the crop, to the extent feasible.  If the RIV for a
                    buyer located outside your local market area is less than the RIV
                    in your local market area, then the RIV may be increased by the
                    additional costs required to deliver the production to the buyer,
                    provided that the resulting RIV does not exceed the RIV in your local
                    market area.  If the damaged production has been sold, the Discount
                    Factor will be based upon the RIV's applied by the buyer unless it is
                    determined that such RIV's are not usual, customary, and reasonable.

                  C For production we determine has no value otherwise, you may offer a
                    value or may intend to utilize such production in a manner which
                    establishes a value.  In such cases, the value we establish will be
                    utilized in accordance with our approved procedures to determine the
                    RIV for quality adjustment purposes according to section 2 herein.

                  D The RIV's and RCP will be those in effect on the earlier of the date
                    such quality-adjusted production is sold or the date of final
                    inspection for the unit.

               *  "Regionally Constructed Price (RCP)" is the price established by the
               Commodity Credit Corporation (CCC) for flaxseed in the county shown on
               your application.  If multiple counties are shown on your application,
               it is the county in which the insured unit is located.  If the CCC
               discontinues establishing RCP's for the county, the RCP will be the Local
               Market Price as defined in the Small Grains Crop Provisions.

 7FT   2000    For catastrophic coverage (CAT), the catastrophic dollar amount of insurance is
               equal to 55% of the reference maximum dollar amount of insurance rounded to the
               nearest whole dollar for the appropriate stage.

 7FZ   1999    To provide guidance in interpreting the USDA Plant Hardiness Zone Map,
               Miscellaneous Publication No. 1475, USDA Agricultural Research Service,
               the following county for the State of Florida will have hardiness zone
               designations as listed below:

               099 Palm Beach County:

               Hardiness Zone 9B  - The land area north of State Highway 80 and west of the
                                    Florida Turnpike, excluding land area in Township T43S,
                                    Ranges (R40E, R41E and R42E).

               Hardiness Zone 10A - The land area north of State Highway 80 and east of the
                                    Florida Turnpike.

                                  - The land area north of State Highway 80 and west of the
                                    Florida Turnpike in Township T43S, Ranges (R40E, R41E
                                    and R42E).

                                  - The land area south of State Highway 80 and west of
                                    the eastern boundary of the Loxahatchee National
                                    Wildlife Refuge and the eastern boundary of the
                                    Everglades Wildlife Management Area.

                                  - The land area south of State Highway 80, west of the
                                    Florida Turnpike, north of County Highway 812 and
                                    east of the Loxahatchee National Wildlife Refuge.

               Hardiness Zone 10B - The land area south of State Highway 80, east of the
                                    Florida Turnpike and north of County Highway 812.

                                  - The land area south of County Highway 812 and east
                                    of the Loxahatchee National Wildlife Refuge and
                                    east of the Everglades Wildlife Management Area.

 7G1   2003    Grade of Strict Low Middling,(41) Leaf 4, 1 1/32 inch staple length and 3.5
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 7G2   2003    Grade of Strict Low Middling,(41) Leaf 4, 1 1/32 inch staple length and 3.9
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 7G3   2003    Grade of Strict Low Middling,(41) Leaf 4, 1 1/32 inch staple length and 4.0
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 7GA   2003     *** Group A includes the varieties of Chardonnay, Cabernet Sauvignon,
               Sauvignon Blanc.

 7GB   2003     *** Group B includes all other varieties not specifically listed under
               Type 371 - Group A.

 7GC   2003    The final planting date will be June 20 for land located east of the
               Caprock escarpment.

 7GD   2003    Insurance will not attach to any Irrigated and/or IBR acreage on which
               sunflowers, potatoes, dry beans, dry peas, soybeans, crambe, rape,
               mustard, canola or safflowers have been planted the preceding year.

 7GG   1997     *** This county crop program is insurable as GRP Corn.

 7GH   1997     *** This county crop program is insurable as GRP Barley.

 7GM   1997     *** This county crop program is insurable as GRP Grain Sorghum.

 7GN   1997     *** This county crop program is insurable as GRP Cotton.

 7GP   1997     *** This county crop program is insurable as GRP Peanuts.

 7GR   1997     ***This county crop program is insurable as GRP Forage Production.

 7GS   1997     *** This county crop program is insurable as GRP Soybeans.

 7GT   1997    APH Transitional Yields for grain sorghum apply to this county crop
               program.  Refer to the Transitional Yield Table on the County Coverage
               and Rate Table for grain sorghum in this county to determine the
               applicable Transitional Yields for IP grain sorghum.

 7GW   1997     ***This county crop program is insurable as GRP Wheat.

 7HD   1999    Insurance will not attach to any acreage on which sunflowers, potatoes,
               dry beans, dry peas, soybeans, crambe, rape, mustard, canola or safflowers
               have been planted the preceding year.

 7HI   1999    The Cotton Harvest Incentive (Option Code IH) is restricted to basic units.

 7HP   2003    Harvest price - Ninety percent of the average derived by totaling the final
               closing daily settlement prices for the crop year Chicago Board of Trade
               (CBOT) September corn futures contract for each trading day from August 15
               through September 14 of the crop year, dividing that total by the number
               of daily settlement prices.  The harvest price will be calculated by FCIC
               before September 20.

               Projected price - Ninety percent of the average derived by totaling the
               final closing daily settlement prices for the crop year Chicago Board of
               Trade (CBOT) September corn futures contract for each trading day of
               December prior to the sales closing date for the insured crop, and
               dividing that total by the number of daily settlement prices.  The
               projected price will be calculated by FCIC before January 5.

 7HQ   2003    Harvest price - Ninety percent of the average derived by totaling the final
               closing daily settlement prices for the crop year Chicago Board of Trade
               (CBOT) September corn futures contract for each trading day from August 15
               through September 14 of the crop year, dividing that total by the number of
               daily settlement prices.  The harvest price will be calculated by FCIC
               before September 20.

               Projected price - Ninety percent of the average derived by totaling the
               final closing daily settlement prices for the crop year Chicago Board of
               Trade (CBOT) September corn futures contract for each trading day of
               January prior to the sales closing date for the insured crop, and dividing
               that total by the number of daily settlement prices.  The projected price
               will be calculated by FCIC before February 5.

 7HR   2003    Harvest price - Ninety percent of the average derived by totaling the
               final closing daily settlement prices for the crop year Chicago Board of
               Trade (CBOT) December corn futures contract for each trading day of
               November of the crop year, dividing that total by the number of daily
               settlement prices.  The harvest price will be calculated by FCIC before
               December 5.

               Projected price - Ninety percent of the average derived by totaling the
               final closing daily settlement prices for the crop year Chicago Board of
               Trade (CBOT) December corn futures contract for each trading day of
               February of the crop year, and dividing that total by the number of daily
               settlement prices.  The projected price will be calculated by FCIC before
               March 5.

 7HZ   1999    The Raleigh Regional Office Hardiness Zone by County Listing is in effect.
               (These Hardiness Zone Classifications, determined from the USDA Plant
               Hardiness Zone Map, #1475, issued January, 1990 represents a range of
               average annual minimum temperatures).


 7IB   2003    Blueberries grown and insured under the rates for the irrigated practice
               with frost protection option will have irrigation water supplied through
               an overhead solid set irrigation system.

 7IG   1997     *** This county crop program is insurable as Income Protection Grain
               Sorghum.

 7IP   1997    APH transitional yields for wheat apply to this county crop program.
               Please refer to the Income Protection Approved Yield Calculation Worksheet
               to determine the appropriate transitional yield.

 7IS   1997     *** This county crop program is insurable as Income Protection Soybeans.

 7IW   1998    Insurance will not attach to any acreage on which canola, sunflowers, dry
               edible beans, mustard, crambe, field peas, garbanzo beans, lentils,
               potatoes, rapeseed, sugar beets, safflowers, soybeans were planted in
               either of the two preceding crop years.

 7JH   2003    INSURABLE AGE OF VINES:  Fourth growing season after being set out.
                                        Third growing season after being grafted.

 7KJ   2003    Crops will not be insurable on non-irrigated acreage, if they are planted
               following another crop that has reached the heading stage in the same
               calendar year.

 7KR   2001    FOB shipping point price information for Alabama (Thomasville, Georgia)
               reported in "Southeastern Fruit and Vegetable Report" will be used to
               determine the applicable average FOB shipping point price according to
               provisions of the policy.  Prices are available on the internet at
               http://www.ams.usda.gov/mncs/mn_reports/tv_fv110.txt

               Allowable cost for fresh peaches for determining actual price per bushel
               will be $5.00 per bushel.  Allowable cost for processing peaches for
               determining actual price per bushel will be $1.75 per bushel.

 7KS   2001    FOB shipping point price information for South Carolina (Thomasville,
               Georgia) reported in the "Southeastern Fruit and Vegetable Report" will
               be used to determine the applicable average FOB shipping point price
               according to the provisions of the policy. Prices are available on the internet
               at http://www.ams.usda.gov/mncs/mn_reports/tv_fv110.txt

               Allowable cost for fresh peaches for determining actual price per bushel
               will be $4.00 per bushel.  Allowable cost for processing peaches for
               determining actual price per bushel will be $1.75 per bushel.

 7LP   2003    In lieu of any policy provisions providing otherwise, the late planting
               period begins the day after the final planting date for the insured crop
               and ends 15 days after the final planting date.  For insured crop
               acreage planted during the late planting period, the production guarantee
               for each acre will be reduced for each day planted after the final
               planting date by:

                      Two percent (2%) for the 1st through the 5th day; and
                      Three percent (3%) for the 6th through the 15th day.

 7LS   1999    Local Market Price - The cash grain price for U.S. No. 2 yellow corn
               offered by buyers in the area in which you normally market the insured
               crop.  The local market price will reflect the maximum limits of quality
               deficiencies allowable for the U.S. No. 2 grade for yellow corn.  Factors
               not associated with grading under the Official United States Standards for
               Grain, including but not limited to protein and oil will not be considered.

 7MH   1997    HIGH RISK CLASSIFICATION
               The FCI-33 CROP INSURANCE ACTUARIAL MAP applicable to grain sorghum in this
               county will be applicable to IP grain sorghum.  Land designated as high
               risk is not eligible for insurance according to the IP Grain Sorghum Crop
               Insurance.

 7MI   1997     *** This county crop program is insurable as Crop Revenue Coverage Grain
               Sorghum.

 7MP   2003    With the exception of CAT, the insured may choose any amount of protection
               ranging from 60 percent through 100 percent of the maximum protection per acre.

 7MQ   2003    Grade of Strict Low Middling,(41) Leaf 4, 1 3/32 inch staple length and 4.5
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 7MR   2003    Grade of Middling,(31) Leaf 4, 1 1/32 inch staple length and 3.5 micronaire
               reading will be used for quality adjustments in accordance with the
               provisions of the insurance policy.

 7MS   2003    Grade of Strict Low Middling,(41) Leaf 4, 1 1/32 inch staple length and 4.1
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 7MT   2003    Grade of Strict Low Middling,(41) Leaf 4, 1 1/32 inch staple length and 4.4
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 7MU   2003    Grade of Strict Low Middling,(41) Leaf 4, 1 3/32 inch staple length and 4.3
               micronaire reading will be used for quality adjustments in accordance
               with the provisions of the insurance policy.

 7MV   2003    Grade of Middling,(31) Leaf 4, 1 1/8 inch staple length and 3.6 micronaire
               reading will be used for quality adjustments in accordance with the
               provisions of the insurance policy.

 7MW   2003    Grade of Middling,(31) Leaf 4, 1 1/8 inch staple length and 4.1 micronaire
               reading will be used for quality adjustments in accordance with the
               provisions of the insurance policy.

 7MX   2003    Grade of Middling,(31) Leaf 4, 1 1/8 inch staple length and 4.6 micronaire
               reading will be used for quality adjustments in accordance with the
               provisions of the insurance policy.

 7NB   2003      **NIBR - Planted with an implement containing a metering system that
               accurately meters all sizes of seed, an air distribution system that
               delivers the seed into the soil at a controlled depth in rows too
               narrow to permit cultivation and subsequently packs the soil around the
               seed.  Acreage seeded with a mechanical drill or broadcast onto the soil
               (with or without incorporation) is not insurable under this practice.

 7NC   2001    **** Insurable varieties for Group A:  Russet Burbank, Ranger Russet, and
               Lemhi Russet varieties.

 7ND   1999    LIMITED AND ADDITIONAL COVERAGE:

               Risk Group - Applicable for plant genus/species/variety(ies) shown as
               insurable on the Nursery Eligible Plant Listing that follow standard
               growing practices and are designated as:

               M (Mandatory)     Risk Group A - if mandatory storage requirements ARE
                                 MET for such plants.

                                 Risk Group A - if mandatory storage requirements ARE
                                 NOT MET for such plants and the Nursery Frost, Freeze,
                                 and Cold Damage Exclusion Option IS APPLIED FOR AND
                                 RECEIVED.

                                 NOT INSURABLE - if mandatory storage requirements ARE NOT
                                 MET for such plants and the Nursery Frost, Freeze, and
                                 Cold Damage Exclusion Option IS NOT APPLIED for.

               R (Recommended)   Risk Group A - if recommended storage requirements ARE
                                 MET for such plants.

                                 Risk Group A - if recommended storage requirements
                                 ARE NOT MET for such plants and the Nursery Frost,
                                 Freeze, and Cold Damage Exclusion Option IS APPLIED
                                 FOR AND RECEIVED.

                                 Risk Group B - if recommended storage requirements
                                 ARE NOT MET for such plants and the Nursery Frost,
                                 Freeze, and Cold Damage Exclusion Option IS NOT
                                 APPLIED FOR.

               U (Unnecessary)   Risk Group A

               CATASTROPHIC COVERAGE:

               Risk Group - Applicable for plant genus/species/variety(ies) shown as
               insurable on the Nursery Eligible Plant Listing that follow standard
               growing practices and are designated as:

               M (Mandatory)     Risk Group A - if mandatory storage requirements ARE
                                 MET for such plants.

                                 NOT INSURABLE - if mandatory storage requirements ARE
                                 NOT MET for such plants.

               R (Recommended)   Risk Group A - if recommended storage requirements ARE
                                 MET for such plants.

                                 Risk Group B - if recommended storage requirements
                                 ARE NOT MET for such plants.

               U (Unnecessary)   Risk Group A

 7NE   2003    **** Insurable Varieties for Group B:  All other varieties not specified
               in Group A.

 7NI   1999    Nursery plants grown in standard nursery containers that are placed in the
               ground, either directly or when placed in pots that are in the ground, ARE
               insurable.

 7NL   1999    SCIENTIFIC NAME:  Ficus benjamina (landscape use)*, or Fiscus retusa
                                 'Nitida'*, or Ficus retusa 'Green Gem'*, or
                                 Hibiscus rosa-sinensis (landscape)*, or Ixora species
                                 and cultivars*

               * - Leaf drop on this crop without death of the twigs, branches or stems
               is considered a normal response to cold and will not be considered as basis for
               a claim under the W1 Storage Requirement Classification.  Death of the twigs,
               branches or stems is minimally required as a basis for claim.

 7NM   1999    Containers with veritcal ribbing and air-root pruning slots that have no
               bottoms meet the definition of standard nursery container provided the
               containers are placed on a barrier to prevent other than fibrous roots of the
               plant material from penetrating the ground.

 7NO   1999    Written agreements are not allowed under the Revenue Assurance Insurance
               policy.

 7NP   1998    Revenue Assurance offers revenue guarantees that fall between 65% and 75%
               of the product of the projected county harvest price and approved yield.

 7NR   2003    Insurance will not attach to any NIBR acreage on which sunflowers,
               potatoes, dry beans, dry peas, soybeans, crambe, rape, mustard, canola or
               safflowers have been planted in either of the two preceding crop years.

 7NS   1999    SCIENTIFIC NAME:  Spathiphyllum** or Spathiphyllum 'Mauna Loa'** or
                                 Spathiphyllum 'Petite'** or Spathiphyllum 'Tasson'**

               ** In order to be eligible for insurance coverage against disease and/or
               flooding, spathiphyllum must be grown on benches or in some other way
               raised a minimum of 4" off the ground.

               ** Disease losses due to cylindrocladium will not be considered an insured
               cause of loss unless evidence of a disease protection program with
               currently labeled efficacious fungicides was followed.  This evidence
               MUST be provided by the grower.

 7NW   2003    Harvest price - The average derived by totaling the final closing daily
               settlement prices for the current crop year Chicago Board of Trade (CBOT)
               September wheat futures contract for each trading day of August of the
               year the crop would normally be harvested, and dividing that total by the
               number of daily settlement prices.  The harvest price will be calculated by
               FCIC before September 5.

               Projected price - The average derived by totaling the final closing daily
               settlement prices for the current crop year Chicago Board of Trade (CBOT)
               September wheat futures contract for each trading day of February of the
               year the crop would normally be harvested, and dividing that total by the
               number of daily settlement prices.  The projected price will be calculated
               by FCIC before March 5.

 7OQ   1998    Subparagraph 11(d) (3) (ii) of the Small Grains Crop Provisions does not
               apply.  In lieu of the provisions in paragraph 11(d) (4) of the Small
               Grains Crop Provisions, oat production that has a musty, sour, or
               commercially objectionable foreign odor (except smut or garlic odor) or
               that is otherwise eligible for quality adjustment, as specified in
               paragraphs 11(d) (2) and (3) of such provisions, will be reduced as
               follows:

               The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the
               number of bushels remaining after any reduction due to excessive moisture
               (in accordance with the Small Grains Crop Provisions) to determine the
               net production to count.  Any grain which, due to insurable causes, has
               zero market value (net zero market value after consideration of additional
               costs to deliver damaged grain to a market of reasonable distance outside your
               local marketing area) will not be considered production to count if the
               production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for the
               respective types and levels of damage.  Additional costs to deliver grain
               outside your local market will be allowed only for types and levels of damage
               included in Section 4.

               1  Oats will be discounted for low test weight as follows:

               Test Weight Pounds  DF   Test Weight Pounds   DF   Test Weight Pounds  DF
                  27 and above    None     24-24.99         .185     21-21.99        .233
                  26-26.99        .153     23-23.99         .201     20-20.99        .249
                  25-25.99        .169     22-22.99         .217  Below 20 - See Section 4

               2  Oats will be discounted for percent sound oats as follows:

                  Sound Oats %    DF     Sound Oats %    DF     Sound Oats %   DF
                  80 and above   None     69-69.99      .323     58-58.99     .497
                    79-79.99     .164     68-68.99      .338     57-57.99     .513
                    78-78.99     .180     67-67.99      .354     56-56.99     .529
                    77-77.99     .196     66-66.99      .370     55-55.99     .545
                    76-76.99     .212     65-65.99      .386     54-54.99     .560
                    75-75.99     .227     64-64.99      .402     53-53.99     .576
                    74-74.99     .243     63-63.99      .418     52-52.99     .592
                    73-73.99     .259     62-62.99      .434     51-51.99     .608
                    72-72.99     .275     61-61.99      .449      50-50.99      .624
                    71-71.99     .291     60-60.99      .465   Below 50 - See Section 4
                    70-70.99     .307     59-59.99      .481

               3  Oats will be discounted for ergoty, garlicky or smutty grade as follows:

                   Ergoty = .026        Garlicky = .016         Smutty = .053

               4  Oats with (A) a test weight below 20 pounds per bushel; (B) a sound
               oats percentage below 50 percent; (C) a musty, sour, or commercially
               objectionable foreign odor (except smut or garlic odor); and/or (D)
               the presence of substances or conditions identified by the Food and
               Drug Administration or other public health organizations of the
               United States as injurious to human or animal health; may be allowed
               a Discount Factor.  To determine the Discount Factor, the reduction in
               value (RIV) caused by the deficiencies, substances, or conditions
               allowed in (A), (B), (C), and/or (D) will be determined and the total
               will be divided by the Posted County Price (PCP)*.  The RIV will not
               include any price reduction resulting from any Discount Factors that are
               included in sections 1, 2, and 3.

 7OR   1998    A  The RIV's specified in section 4 will be limited to those that are
               usual, customary, and reasonable. If the RIV can be decreased by
               conditioning the production, the RIV after conditioning may be
               increased by the cost of conditioning, provided that the resulting RIV
               does not exceed the RIV before conditioning. No RIV will be accepted if
               it is due to (1) moisture content; (2) damage due to uninsured causes;
               or (3) drying, handling, processing, or any other costs associated with
               normal harvesting, handling, and marketing of the production.

               B  RIV's used will be those in the local market area in which you normally
               market the crop, to the extent feasible. If the RIV for a buyer located
               outside your local market area is less than the RIV in your local market
               area, then the RIV may be increased by the additional costs required to
               deliver the production to the buyer, provided that the resulting RIV
               does not exceed the RIV in your local market area. If the damaged
               production has been sold, the Discount Factor will be based upon the
               RIV's applied by the buyer unless it is determined that such RIV's are
               not usual, customary, and reasonable.

               C  For production we determine has no value in and outside your local market
               area, you may offer a value or may intend to utilize such production in a
               manner which establishes a value. In such cases, the value we establish will be
               utilized in accordance with our approved procedures to determine the
               RIV for quality adjustment purposes according to section 4 herein.

               D  The RIV's and PCP will be those in effect on the earlier of the date
               such quality-adjusted production is sold or the date of final inspection
               for the unit.

               *  "Posted County Price (PCP)" is the price established by the Commodity
               Credit Corporation (CCC) for oats in the county shown on your application.
               If multiple counties are shown on your application, it is the county in
               which the insured unit is located. If the CCC discontinues establishing
               PCP's for the county, the PCP will be the Local Market Price as defined
               in the Small Grains Crop Provisions.

 7P    2003    The following categories of seed beans are insurable as the "Contract Seed
               Bean" type:  Market-Garden, Processor, Wax, Pole, OSU lines, and other
               varieties under contract with a seed company where at least 50 percent of
               the total production is at a fixed price and the contract price is executed
               before the acreage reporting date.

 7P5   2003    The amount of insurance per acre will depend upon the number of  trees per
               acre, the coverage level, the percentage of the maximum dollar value chosen,
               the age of trees,  dehorning and grafting

 7PA   1998     *** Insurance will attach only on potatoes planted during the period of
               December 26 through February 25.

 7PC   1997     *** This county crop program is insurable as Income Protection Cotton.

 7PF   2003     **** Includes insured Fall Oleic Canola acreage subsequently
               reseeded to Spring Oleic Canola.

 7PG   2003    **** Includes insured Fall High Erucic Rapeseed acreage subsequently reseeded
               to Spring High Erucic Rapeseed

 7PN   2001    The Producer Premium Percentage Table 2.8 applies to this crop.

 7RA   1996    The dollar amount of insurance per ton will be determined by multiplying
               the percentage for the coverage level elected by the reference maximum
               dollar amount, and rounding the result to the next highest whole dollar
               not to exceed $690.

 7RC   1997     *** This county crop program is insurable as Crop Revenue Coverage Cotton.

 7RN   1997     *** This county crop program is insurable as Crop Revenue Coverage Corn.

 7RP   1998    CATASTROPHIC RISK PROTECTION (CAT)
               For purposes of CAT, coverage will be equal to the producer's approved
               APH yield times the projected prices time 30 percent.

 7RQ   1997    Subparagraph 11 (d) (3) (ii) of the Small Grains Crop Provisions does not
               apply. In lieu of the provisions in paragraph 11(d) (4) of the Small Grains
               Crop Provisions, rye production that has a musty, sour, or commercially
               objectionable foreign odor (except smut or garlic odor) or that is
               otherwise eligible for quality adjustment, as specified in paragraphs 11
               (d) (2) and (3) of such provisions, will be reduced as follows:

               The Quality Adjustment (QA) Factor is 1.000 minus the sum of the applicable
               Discount Factors (DF) below (expressed as three-place decimals). No other
               quality factors will be considered in determining production to count. The
               QA Factor (not less than zero) will be multiplied by the number of bushels
               remaining after any reduction due to excessive moisture (in accordance with
               the Small Grains Crop Provisions) to determine the net production to
               count. Any grain which, due to insurable causes, has zero market value
               either before or after quality adjustment will not be considered production
               to count, except as provided in subsection 6C herein.

               1  Rye will be discounted for low test weight as follows:

               Test Weight Pounds  DF  Test Weight Pounds  DF   Test Weight Pounds   DF
                  52 and above    None    47-47.99        .079     42-42.99         .142
                  51-51.99        .029    46-46.99        .092     41-41.99         .155
                  50-50.99        .042    45-45.99        .105     40-40.99         .167
                  49-49.99        .054    44-44.99        .117   Below 40 - See Section 6
                  48-48.99        .067    43-43.99        .130

               2  Rye will be discounted for excessive kernel damage (excluding heat
               damage) as follows:

                  Kernel Damage %  DF   Kernel Damage %   DF   Kernel Damage %    DF
                    7 and below   None    16.01-17       .310    26.01-27        .477
                    7.01-8        .100    17.01-18       .326    27.01-28        .494
                    8.01-9        .126    18.01-19       .343    28.01-29        .510
                    9.01-10       .151    19.01-20       .360    29.01-30        .527
                   10.01-11       .176    20.01-21       .377    30.01-31        .544
                   11.01-12       .201    21.01-22       .393    31.01-32        .561
                   12.01-13       .226    22.01-23       .410    32.01-33        .577
                   13.01-14       .251    23.01-24       .427    33.01-34        .594
                   14.01-15       .276    24.01-25       .444    34.01-35        .611
                   15.01-16       .293    25.01-26       .460 Above 35 - See Section 6

               3  Rye will be discounted for percent Ergot as follows:

                   Ergot Percent     DF   Ergot Percent   DF    Ergot Percent    DF
                    0.30 and below  None   0.81-0.90     .050    1.41-1.50      .100
                    0.31-0.40       .008   0.91-1.00     .059    1.51-1.60      .109
                    0.41-0.50       .017   1.01-1.10     .067    1.61-1.70      .117
                    0.51-0.60       .025   1.11-1.20     .075    1.71-1.80      .126
                    0.61-0.70       .033   1.21-1.30     .084    1.81-1.90      .134
                    0.71-0.80       .042   1.31-1.40     .092    1.91-2.00      .142
                                                            Above 2.00 - See Section 6

 7RR   1997    4  Rye will be discounted for percent thin rye as follows:

                    Thin Rye %     DF   Thin Rye %    DF    Thin Rye %      DF
                     25 and below None   49.01-50    .176    75.01-76      .285
                     25.01-26     .075   50.01-51    .180    76.01-77      .289
                     26.01-27     .079   51.01-52    .184    77.01-78      .293
                     27.01-28     .084   52.01-53    .188    78.01-79      .297
                     28.01-29     .088   53.01-54    .192    79.01-80      .301
                     29.01-30     .092   54.01-55    .197    80.01-81      .305
                     30.01-31     .096   55.01-56    .201    81.01-82      .310
                     31.01-32     .100   56.01-57    .205    82.01-83      .314
                     32.01-33     .105   57.01-58    .209    83.01-84      .318
                     33.01-34     .109   58.01-59    .213    84.01-85      .322
                     34.01-35     .113   59.01-60    .218    85.01-86      .326
                     35.01-36     .117   60.01-61    .222    86.01-87      .331
                     36.01-37     .121   61.01-62    .226    87.01-88      .335
                     37.01-38     .126   62.01-63    .230    88.01-89      .339
                     38.01-39     .130   63.01-64    .234    89.01-90      .343
                     39.01-40     .134   64.01-65    .238    90.01-91      .347
                     40.01-41     .138   65.01-66    .243    91.01-92      .351
                     41.01-42     .142   66.01-67    .247    92.01-93      .356
                     42.01-43     .146   67.01-68    .251    93.01-94      .360
                     43.01-44     .151   68.01-69    .255    94.01-95      .364
                     44.01-45     .155   69.01-70    .259    95.01-96      .368
                     45.01-46     .159   70.01-71    .264    96.01-97      .372
                     46.01-47     .163   71.01-72    .268    97.01-98      .377
                     47.01-48     .167   72.01-73    .272    98.01-99      .381
                     48.01-49     .172   73.01-74    .276    99.01-100     .385
                                         74.01-75    .280

               5  Rye will be discounted for a garlicky or smutty grade as follows:

                     Garlicky =  .021      Smutty =  .042

               6  Rye with (A) a test weight below 40 pounds per bushel; (B) a kernel
               damage percentage above 35 percent; (C) an ergot percentage above 2
               percent; (D) a musty, sour, or commercially objectionable foreign
               odor (except smut or garlic odor); and/or (E) the presence of substances
               or conditions identified by the Food and Drug Administration or other
               public health organizations of the United States as injurious to human
               or animal health; may be allowed a discount factor. To determine the
               Discount Factor, the reduction in value (RIV) caused by the deficiencies,
               substances, or conditions allowed in (A), (B), (C), (D), and/or (E) will
               be determined and the total will be divided by the Posted County Price
               (PCP)*. The RIV will not include any price reduction resulting from any
               Discount Factors that are included in sections 1, 2, 3, 4, and 5.

               A  The RIV's specified in section 6 will be limited to those that are
               usual, customary, and reasonable.  If the RIV can be decreased by con-
               ditioning the production, the RIV after conditioning may be increased
               by the cost of conditioning, provided that the resulting RIV does not
               exceed the RIV before conditioning.  No RIV will be accepted if it is due
               to (1) moisture content; (2) damage due to uninsured causes; or, (3)
               drying, handling, processing, or any other costs associated with normal
               harvesting, handling, and marketing of the production.

 7RS   1997    B  RIV's used will be those in the local market area in which you normally
               market the crop, to the extent feasible. If the RIV for a buyer
               located outside your local market area is less than the RIV in your
               local market area, then the RIV may be increased by the additional
               costs required to deliver the production to the buyer, provided that
               the resulting RIV does not exceed the RIV in your local market area.
               If the damaged production has been sold, the Discount Factor will be
               based upon the RIV's applied by the buyer unless it is determined
               that such RIV's are not usual, customary, and reasonable.

               C  For production we determine has no value otherwise, you may offer a
               value or may intend to utilize such production in a manner which
               establishes a value. In such cases, the value we establish will be
               utilized in accordance with our approved procedures to determine the
               RIV for quality adjustment purposes according to section 6 herein.

               D  The RIV's and PCP will be those in effect on the earlier of the date
               such quality-adjusted production is sold or the date of final inspection
               for the unit.

               *  "Posted County Price (PCP)" is the price established by the Commodity
               Credit Corporation (CCC) for rye in the county shown on your
               application. If multiple counties are shown on your application, it is
               the county in which the insured unit is located. If the CCC
               discontinues establishing PCP's for the county, the PCP will be the
               Local Market Price as defined in the Small Grains Crop Provisions.

 7RW   1997     *** This county crop program is insurable as Crop Revenue Coverage Wheat.

 7S1   1998    Fall Planting Period - July 15 through August 25

 7S2   1998    Spring Planting Period - March 1 through April 30

 7SB   1997     *** This county crop program is insurable as Crop Revenue Coverage
               Soybeans.

 7SC   2003      ** Non-Conventional - Planted in a two step operation in which the seed
               is first broadcast onto the surface of the soil using a boom-type spreader
               and is subsequently incorporated into the soil at the proper depth in a
               timely manner.  Broadcasting soybeans using an airplane, helicopter,
               end-gate seeder, fan-type seeder, etc., is not insurable under this
               practice.

 7SG   1997    Any acreage of alfalfa, located north of Township 9 South, the ninth and
               succeeding crop years after the year of establishment will be insurable
               only by written agreement.  If you were insured last year, you must make
               a request through your crop insurance agent for coverage on overage stands
               by October 31 preceding the sales closing date.  New insureds must make
               requests by November 30.  An inspection or other acceptable evidence of an
               adequate stand must accompany the request and is required to determine if
               the acreage is insurable.  Any request for coverage on overage stands,
               including supporting documentation, which is not submitted by the
               applicable date provided above, will be denied and your coverage stand
               will not be insurable.  Contact your crop insurance agent for more
               information on overage stands.

               Any acreage of alfalfa, located south of Township 9 South, the fourth and
               succeeding crop years after the year of establishment will be insurable
               only by written agreement.  If you were insured last year, you must make
               a request through your crop insurance agent for coverage on overage stands
               by October 31 preceding the sales closing date.  New insureds must make
               requests by November 30.  An inspection or other acceptable evidence of
               an adequate stand must accompany the request and is required to determine
               if the acreage is insurable.  Any request for coverage on overage stands,
               including supporting documentation, which is not submitted by the
               applicable date provided above, will be denied and your overage stand will
               not be insurable.  Contact your crop insurance agent for more information
               on overage stands.

 7SH   1997    Any acreage of alfalfa the fourth and succeeding crop years after the years
               of establishment will be insurable only by written agreement.  If you were
               insured last year, you must make a request through your crop insurance
               agent for coverage on overage stands by October 31 preceding the sales
               closing date.  New insureds must make requests by November 30.  An
               inspection or other acceptable evidence of an adequate stand must accompany
               the request and is required to determine if the acreage is insurable.  Any
               request for coverage on overage stands, including supporting documentation,
               which is not submitted by the applicable date provided above, will be
               denied and your overage stand will not be insurable.  Contact your crop
               insurance agent for more information on overage stands.

 7SI   1997    Any acreage of alfalfa the ninth and succeeding crop years after the year
               of establishment will be insurable only by written agreement.  If you
               were insured last year, you must make a request through your crop
               insurance agent for coverage on overage stands by October 31 preceding
               the sales closing date.  New insureds must make requests by November 30.
               An inspection or other acceptable evidence of an adequate stand must
               accompany the request and is required to determine if the acreage is
               insurable.  Any request for coverage on overage stands, including
               supporting documentation, which is not submitted by the applicable date
               provided above, will be denied and your overage stand will not be
               insurable.  Contact your crop insurance agent for more information on
               overage stands.

 7SL   2003    Grade of Middling,(31) Leaf 4, 1 1/8 inch staple length and 4.5 micronaire
               reading will be used for quality adjustments in accordance with the
               provisions of the insurance policy.

 7SP   1997    APH Transitional Yields for soybeans apply to this county crop program.
               Refer to the Transitional Yield Table on the County Coverage and Rate
               Table for soybeans in this county to determine the applicable
               Transitional Yields for IP soybeans.

 7SR   2003    The FCI-33 CROP INSURANCE ACTUARIAL MAP applicable to soybeans in this
               county will be applicable to IP soybeans.  Land designated as High Risk
               is not eligible for insurance according to the IP Soybeans Crop
               Provisions.

 7SS   1997    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the number
               of pounds remaining after any reduction due to excessive moisture (in
               accordance with the Sunflower Seed Crop Provisions) to determine the net
               production to count.  Any grain which, due to insurable causes, has zero
               market value either before or after quality adjustment will not be con-
               sidered production to count, except as provided in subsection 6C herein.

               1 Sunflower seed - Oil type will be discounted for low test weight as
                 follows:

                 Test Weight Pounds  DF  Test Weight Pounds  DF   Test Weight Pounds  DF
                  25 and above      None  20-20.99          .085   15-15.99          .171
                  24-24.99          .017  19-19.99          .102   14-14.99          .188
                  23-23.99          .034  18-18.99          .120   13-13.99          .205
                  22-22.99          .051  17-17.99          .137  Below 13 - See Section 6
                  21-21.99          .068  16-16.99          .154

               2 Sunflower seed - Oil type will be discounted for kernel damage (excluding
                 heat damage) as follows:

                 Kernel Damage %   DF     Kernel Damage %  DF   Kernel Damage %  DF
                   10 and below   None     13.01-14       .244   17.01-18       .395
                   10.01-11       .132     14.01-15       .282   18.01-19       .432
                   11.01-12       .169     15.01-16       .319   19.01-20       .470
                   12.01-13       .207     16.01-17       .357   Above 20 - See Section 6

               3 Sunflower seed - Oil type will be discounted for musty odor, sour odor,
                 and commercially objectionable foreign odor (COFO) as follows:

                 Musty odor = .043        Sour odor = .043      COFO = .060

               4 Sunflowers seed - Non-oil type will be discounted for low test weight as
                 follows:

                  Test Weight Pounds  DF  Test Weight Pounds  DF  Test Weight Pounds  DF
                    22 and above     None   18.00-18.49     .154   15.00-15.49      .329
                    21.00-21.99      .018   17.50-17.99     .183   14.50-14.99      .359
                    20.00-20.99      .037   17.00-17.49     .212   14.00-14.49      .388
                    19.50-19.99      .066   16.50-16.99     .242   13.50-13.99      .417
                    19.00-19.49      .095   16.00-16.49     .271   13.00-13.49      .447
                    18.50-18.99      .124   15.50-15.99     .300  Below 13 - See Section 6

               5 Sunflower seed - Non-oil type will be discounted for musty odor, sour
                 odor, and COFO as follows:

                 Musty odor = .037           Sour odor = .037         COFO = .051

 7ST   1997    6 Sunflower seed with (A) a test weight below 13 pounds per bushel for
                 oil type and non-oil type; (B) a kernel damage percentage above 20
                 percent for oil type; (C) a kernel damage percentage above 5 percent
                 for non-oil type; (D) the presence of substances or conditions
                 identified by the Food and Drug Administration or other public health
                 organizations of the United States as injurious to human or animal
                 health; may be allowed a discount factor.  To determine the Discount
                 Factor, the reduction in value (RIV) caused by the deficiencies,
                 substances or conditions allowed in (A), (B), (C), and/or (D) will be
                 determined and the total will be divided by the Regionally Constructed
                 Price (RCP)*. The RIV will not include any price reduction resulting from
                 any Discount Factors that are included in sections 1, 2, 3, 4, and 5.

               A The RIV's specified in section 6 will be limited to those that are
                 usual, customary, and reasonable.  If the RIV can be decreased by con-
                 ditioning the production, the RIV after conditioning may be increased by
                 the cost of conditioning, provided that the resulting RIV does not exceed
                 the RIV before conditioning.  No RIV will be accepted if it is due to (1)
                 moisture content; (2) damage due to uninsured causes; or (3) drying,
                 handling, processing, or any other costs associated with normal harvest-
                 ing, handling, and marketing of the production.

               B RIV's used will be those in the local market area in which you normally
                 market the crop, to the extent feasible.  If the RIV for a buyer located
                 outside your local market area is less than the RIV in your local market
                 area, then the RIV may be increased by the additional costs required to
                 deliver the production to the buyer, provided that the resulting RIV does
                 not exceed the RIV in your local market area.  If the damaged production
                 has been sold, the Discount Factor will be based upon the RIV's applied
                 by the buyer unless it is determined that such RIV's are not usual,
                 customary and reasonable.

               C For production we determine has no value otherwise, you may offer a
                 value or may intend to utilize such production in a manner which
                 establishes a value.  In such cases, the value we establish will be
                 utilized in accordance with our approved procedures to determine the
                 RIV for quality adjustment purposes according to section 6 herein.

               D The RIV's and RCP will be those in effect on the earlier of the date
                 such quality-adjusted production is sold or the date of final inspection
                 for the unit.

               * "Regionally Constructed Price (RCP)" is the price established by the
                 Commodity Credit Corporation (CCC) for sunflower seed in the county shown
                 on your application.  If multiple counties are shown on your application,
                 it is the county in which the insured unit is located.  If the CCC
                 discontinues establishing RCP's for the county, the RCP will be the Local
                 Market Price as defined in the Sunflower Seed Crop Provisions.

 7SW   2003    Written agreements may be issued to insure soybean acreage seeded by
               methods not rated on the actuarial table (e.g., seeding by airplane,
               helicopter, end-gate seeder, fan-type spreader, etc.), if specific
               standards provided for in the written agreement are met.  Contact your
               Insurance Provider by the acreage reporting date to complete your
               request for a written agreement.

 7SX   1999    The FCI-33 CROP INSURANCE ACTUARIAL MAP applicable to soybeans in this
               county will be applicable to Revenue Assurance (RA) soybeans.  Any
               designation on the FCI-33 Supplement does not apply to the RA Soybean Crop
               Provisions.

 7SY   2003    Written agreements may be issued to insure soybean acreage seeded by
               methods not rated on the actuarial table (e.g., boom-type spreader,
               airplane, helicopter, end-gate seeder, fan-type spreader, etc.), if
               specific standards provided for in the written agreement are met.  Contact
               your Insurance Provider by the acreage reporting date to complete your
               request for a written agreement.

 7WA   1997    Written agreements may be approved by the Insurance Provider making
               land in an adjoining county or state insurable in the pilot county
               provided the field continues across the county or state line and the
               county or state line is not readily identifiable.  See the Crop Insurance
               Handbook for details.  No other types of written agreements can be approved
               under this pilot program.

 7WC   1998    CATASTROPHIC RISK PROTECTION (CAT)
               For the purposes of CAT, coverage will be equal to the producer's approved
               APH yield times the projected prices times 27.5 percent.

 7WD   2000    Harvest price - The average derived by totaling the final closing daily
               settlement prices for the insured crop year Chicago Board of Trade (CBOT)
               September wheat futures contract for each trading day of August of the
               insured crop year, and dividing that total by the number of daily
               settlement prices.  The harvest price will be calculated by FCIC before
               September 5.

               Local Market Price - The cash grain price per bushel for the U.S. No. 2
               grade of wheat offered by buyers in the area in which you normally market
               wheat.  The local market price will reflect the maximum limits of quality
               deficiencies allowable for the U.S. No. 2 grade of wheat.  Factors not
               associated with grading under the Official United States Standards for
               Grain, including but not limited to protein, oil or moisture content, or
               milling quality will not be considered.

               Projected price - The average derived by totaling the final closing daily
               settlement prices for the insured crop year Chicago Board of Trade (CBOT)
               July wheat futures contract for each trading day from August 15 through
               September 14 prior to the sales closing date, and dividing that total by
               the number of daily settlement prices.  The projected price will be
               calculated by FCIC before September 20.

 7WE   2000    Harvest price - The average derived by totaling the final closing daily
               settlement prices for the insured crop year Chicago Board of Trade (CBOT)
               July wheat futures contract for each trading day of June of the insured
               crop year, and dividing that total by the number of daily settlement
               prices.  The harvest price will be calculated by FCIC before July 5.

               Local Market price - The cash grain price per bushel for the U.S. No. 2
               grade of wheat offered by buyers in the area in which you normally market
               wheat.  The local market price will reflect the maximum limits of quality
               deficiencies allowable for the U.S. No. 2 grade of wheat.  Factors not
               associated with grading under the Official United States Standards for
               Grain, including but not limited to protein, oil or moisture content,
               or milling quality will not be considered.

               Projected price - The average derived by totaling the final closing daily
               settlement prices for the insured crop year Chicago Board of Trade (CBOT)
               July wheat futures contract for each trading day from August 15 through
               September 14 prior to the sales closing date, and dividing that total by
               the number of daily settlement prices.  The projected price will be
               calculated by FCIC before September 20.

 7WI   1997     *** This county crop program is insurable as Income Protection (IP) Wheat.

 7WP   1999    WHEAT QUALITY ADJUSTMENT FACTOR:
               The Quality Adjustment (QA) Factor is 1.000 minus the sum of the applicable
               Discount Factors (DF) below (expressed as three-place decimals).  No other
               quality factors will be considered in determining production to count.  The
               QA Factor (not less than zero) will be multiplied by the number of bushels
               remaining after any reduction due to excessive moisture to determine the
               net production to count. Any grain which, due to insurable causes, has zero
               market value either before or after quality adjustment will not be
               considered production to count, except as provided in subsection 5C herein.

               1  Soft Red Winter wheat will be discounted for low test weight as follows:

               Test Weight Pounds  DF  Test Weight Pounds  DF  Test Weight Pounds  DF
                  54 and above    None    45-45.99        .254    37-37.99        .322
                   53-53.99       .102    44-44.99        .262    36-36.99        .331
                   52-52.99       .130    43-43.99        .271    35-35.99        .339
                   51-51.99       .158    42-42.99        .280    34-34.99        .348
                   50-50.99       .181    41-41.99        .288    33-33.99        .357
                   49-49.99       .205    40.40.99        .297    32-32.99        .365
                   48-48.99       .228    39-39.99        .305    31-31.99        .374
                   47-47.99       .237    38-38.99        .314    30-30.99        .382
                   46-46.99       .245                         Below 30 - See Section 5

               2  Wheat (all classes except Soft Red Winter) will be discounted for low
               test weight as follows:

               Test Weight Pounds   DF   Test Weight Pounds   DF   Test Weight Pounds   DF
                  54 and above     None      45-45.99        .090      37-37.99       .150
                    53-53.99*      .035      44-44.99        .097      36-36.99       .157
                    52-52.99       .041      43-43.99        .105      35-35.99       .165
                    51-51.99       .048      42-42.99        .112      34-34.99       .172
                    50-50.99       .056      41-41.99        .120      33-33.99       .180
                    49-49.99       .062      40-40.99        .127      32-32.99       .187
                    48-48.99       .069      39-39.99        .135      31-31.99       .195
                    47-47.99       .076      38-38.99        .142      30-30.99       .202
                    46-46.99       .083                           Below 30 - See Section 5

               *  Not applicable to Hard Red Spring wheat and White Club wheat.

               3  Wheat (all classes) will be discounted for excessive defects (excluding
               foreign material and heat damage) as follows:

                       Defects %     DF      Defects %   DF     Defects %       DF
                     10 and below   None    18.01-19    .084    27.01-28       .133
                      10.01-11**    .044    19.01-20    .089    28.01-29       .138
                      11.01-12**    .049    20.01-21    .095    29.01-30       .144
                      12.01-13      .053    21.01-22    .100    30.01-31       .152
                      13.01-14      .058    22.01-23    .106    31.01-32       .160
                      14.01-15      .062    23.01-24    .111    32.01-33       .168
                      15.01-16      .067    24.01-25    .116    33.01-34       .176
                      16.01-17      .073    25.01-26    .122    34.01-35       .185
                      17.01-18      .078    26.01-27    .127    Above 35 - See Section 5

               ** Applicable only to kernel damage (excluding heat damage).

 7WQ   1998    Subparagraph 11(d) (3) (ii) of the Small Grains Crop Provisions does not
               apply. In lieu of the provisions in paragraph 11(d) (4) of the Small Grains
               Crop Provisions, wheat production that has a musty, sour, or commercially
               objectionable foreign odor (except smut odor) or that is otherwise eligible
               for quality adjustment, as specified in paragraphs 11(d) (2) and (3) of
               such provisions, will be reduced as follows:

               The Quality Adjustment (QA) Factor is 1.000 minus the sum of the applicable
               Discount Factors (DF) below (expressed as three-place decimals). No other
               quality factors will be considered in determining production to count. The
               QA Factor (not less than zero) will be multiplied by the number of bushels
               remaining after any reduction due to excessive moisture (in accordance with
               the Small Grains Crop Provisions) to determine the net produciton to count.
               Any grain which, due to insurable causes, has zero market value either
               before or after quality adjustment will not be considered production to
               count, except as provided in subsection 5C herein.

               1  Soft Red Winter wheat will be discounted for low test weight as follows:

               Test Weight Pounds  DF    Test Weight Pounds  DF   Test Weight Pounds  DF
                  54 and above    None       45-45.99       .254      37-37.99       .322
                    53-53.99      .102       44-44.99       .262      36-36.99       .331
                    52-52.99      .130       43-43.99       .271      35-35.99       .339
                    51-51.99      .158       42-42.99       .280      34-34.99       .348
                    50-50.99      .181       41-41.99       .288      33-33.99       .357
                    49-49.99      .205       40-40.99       .297      32-32.99       .365
                    48-48.99      .228       39-39.99       .305      31-31.99       .374
                    47-47.99      .237       38-38.99       .314      30-30.99       .382
                    46-46.99      .245                           Below 30 - See Section 5

               2  Wheat (all classes except Soft Red Winter) will be discounted for low
               test weight as follows:

               Test Weight Pounds  DF    Test Weight Pounds  DF   Test Weight Pounds  DF
                  54 and above    None       45-45.99       .090      37-37.99       .150
                    53-53.99*     .035       44-44.99       .097      36-36.99       .157
                    52-52.99      .041       43-43.99       .105      35-35.99       .165
                    51-51.99      .048       42-42.99       .112      34-34.99       .172
                    50-50.99      .056       41-41.99       .120      33-33.99       .180
                    49-49.99      .062       40-40.99       .127      32-32.99       .187
                    48-48.99      .069       39-39.99       .135      31-31.99       .195
                    47-47.99      .076       38-38.99       .142      30-30.99       .202
                    46-46.99      .083                           Below 30 - See Section 5

               * Not applicable to Hard Red Spring wheat and White Club wheat.

               3   Wheat (all classes) will be discounted for excessive defects (excluding
               foreign material and heat damage) as follows:

                       Defects %       DF        Defects %     DF      Defects %    DF
                     10 and below    None       18.01-19      .084     27.01-28    .133
                       10.01-11**    .044       19.01-20      .089     28.01-29    .138
                       11.01-12**    .049       20.01-21      .095     29.01-30    .144
                       12.01-13      .053       21.01-22      .100     30.01-31    .152
                       13.01-14      .058       22.01-23      .106     31.01-32    .160
                       14.01-15      .062       23.01-24      .111     32.01-33    .168
                       15.01-16      .067       24.01-25      .116     33.01-34    .176
                       16.01-17      .073       25.01-26      .122     34-01-35    .185
                       17.01-18      .078       26.01-27      .127 Above 35 -See Section 5

               ** Applicable only to kernel damage (excluding heat damage)

 7WR   1998    4  Wheat (all classes) will be discounted for a light smutty or smutty
                  grade as follows:
                                        Light smutty = .022   Smutty =  .043

               5  Wheat with (A) a test weight below 30 pounds per bushel; (B) a defects
               *** percentage above 35 percent; (C) a garlicky or ergoty grade; (D) a
               musty, sour, or commercially objectionable foreign odor (except smut odor);
               and/or (E) the presence of substances or conditions identified by the
               Food and Drug Administration or other public health organizations of the
               United States as injurious to human or animal health; may be allowed a
               discount factor. To determine the Discount Factor, the reduction in
               value (RIV) caused by the deficiencies, substances, or conditions
               allowed in (A), (B), (C), (D), and/or (E) will be determined and the
               total will be divided by the Posted County Price (PCP)****. The RIV will
               not include any price reduction resulting from any Discount Factors that
               are included in sections 1, 2, 3, and 4.

               *** For quality adjustment purposes, defects (excluding foreign material
               and heat damage) consist of kernel damage and shrunken and broken kernels.
               In no event will a Discount Factor be allowed for kernel damage (excluding
               heat damage) and/or shrunken and broken kernels, in addition to defects.

               A  The RIV's specified in section 5 will be limited to those that are
               usual, customary, and reasonable.  If the RIV can be decreased by con-
               ditioning the production, the RIV after conditioning may be increased by
               the cost of conditioning, provided that the resulting RIV does not exceed
               the RIV before conditioning.  No RIV will be acceptable if it is due to
               (1) moisture content; (2) damage due to uninsured causes; or (3) drying,
               handling, processing, or any other costs associated with normal harvesting,
               handling, and marketing of the production.

               B  RIV's used will be those in the local market area in which you
               normally market the crop, to the extent feasible. If the RIV for a
               buyer located outside your local market area is less than the RIV in
               your local market area, then the RIV may be increased by the additional
               costs required to deliver the production to the buyer, provided that
               the resulting RIV does not exceed the RIV in your local market area. If
               the damaged production has been sold, the Discount Factor will be based
               upon the RIV's applied by the buyer unless it is determined that such
               RIV's are not usual, customary, and reasonable.

               C  For production we determine has no value otherwise, you may offer a
               value or may intend to utilize such production in a manner which
               establishes a value. In such cases, the value we establish will be
               utilized in accordance with our approved procedures to determine the
               RIV for quality adjustment purposes according to section 5 herein.

               D  The RIV's and PCP will be those in effect on the earlier of the date
               such quality-adjusted production is sold or the date of final
               INSPECTION FOR THE UNIT.

               **** "Posted County Price (PCP)" is the price established by the Commodity
               Credit Corporation (CCC) in the county shown on your application, for the
               insured wheat class. If multiple counties are shown on your application,
               it is the county in which the insured unit is located. If the CCC
               discontinues establishing PCP's for the county, the PCP will be the Local
               Market Price as defined in the Small Grains Crop Provisions.

 7WS   1999    4  Wheat (all classes) will be discounted for a light smutty or smutty
                  grade as follows:
                                    Light smutty = .022     Smutty = .043

               5  Wheat with (A) a test weight below 30 pounds per bushel; (B) a defects
               *** percentage above 35 percent; (C) a garlicky or ergoty grade; (D) a
               musty, sour, or commercially objectionable foreign odor (except smut odor);
               and/or (E) the presence of substances or conditions identified by the
               Food and Drug Administration or other public health organizations of the
               United States as injurious to human or animal health; may be allowed a
               discount factor.  To determine the Discount Factor, the reduction in value
               (RIV) caused by the deficiencies, substances, or conditions allowed in (A),
               (B), (C), (D), and/or (E) will be determined and the total will be divided
               by the Posted County Price (PCP)****.  The RIV will not include any price
               reduction resulting from any Discount Factors that are included in sections
               1, 2, 3, and 4.

               *** For quality adjustment purposes, defects (excluding foreign material
               and heat damage) consist of kernel damage and shrunken and broken kernels.
               In no event will a Discount Factor be allowed for kernel damage (excluding
               heat damage) and/or shrunken and broken kernels, in addition to defects.

               A  The RIV's specified in section 5 will be limited to those that are
               usual, customary, and reasonable.  If the RIV can be decreased by con-
               ditioning the production, the RIV after conditioning may be increased by
               the cost of conditioning, provided that the resulting RIV does not exceed
               the RIV before conditioning. No RIV will be acceptable if it is due to
               (1) moisture content; (2) damage due to uninsured causes; or (3) drying;
               handling, processing, or any other costs associated with normal harvesting,
               handling, and marketing of the production.

               B  RIV's used will be those in the local market area in which you
               normally market the crop, to the extent feasible.  If the RIV for a
               buyer located outside your local market area is less than the RIV in
               your local market area, then the RIV may be increased by the additional
               costs required to deliver the production to the buyer, provided that
               the resulting RIV does not exceed the RIV in your local market area.  If
               the damaged production has been sold, the Discount Factor will be based
               upon the RIV's applied by the buyer unless it is determined that such
               RIV's are not usual, customary, and reasonable.

               C  For production we determine has no value otherwise, you may offer a
               value or may intend to utilize such production in a manner which
               establishes a value.  In such cases, the value we establish will be
               utilized in accordance with our approved procedures to determine the
               RIV for quality adjustmemt purposes according to section 5 herein.

               D  The RIV's and PCP will be those in effect on the earlier of the date
               such quality-adjusted production is sold or the date of final
               INSPECTION FOR THE UNIT.

               **** "Posted County Price (PCP)" is the price established by the Commodity
               Credit Corporation (CCC) in the county shown on your application, for the
               insured wheat class.  If multiple counties are shown on your application,
               it is the county in which the insured unit is located.  If the CCC
               discontinues establishing PCP's for the county, the PCP will be the Local
               Market Price.

 7WT   1999    Local Market Price - The cash grain price per bushel for the U.S. No. 2
               grade of wheat offered by buyers in the area in which you normally
               market wheat.  The local market price will reflect the maximum limits of
               quality deficiencies allowable for the U.S. No. 2 grade of wheat.  Factors
               not associated with grading under the Official United States Standards
               for Grain, including but not limited to protein, moisture content,
               or milling quality will not be considered.

 7XA   2000    The price election available for this county crop program will be released
               as an Actuarial Table Addendum (Special Provisions) prior to the policy
               contract change date.

 7XB   2004    The price election available for this county crop program will be released
               as an Actuarial Table Addendum (Special Provisions) prior to the policy
               contract change date.

 7XC   2000    The price election available for this county crop program will be released
               as an Actuarial Table Addendum (Special Provisions) prior to the policy
               contract change date.

 7XD   2000    The price election available for this county crop program will be released
               as an Actuarial Table Addendum (Special Provisions) prior to the policy
               contract change date.

 7XE   2001    The price election available for this county crop program will be released
               as an Actuarial Table Addendum (Special Provisions) prior to the policy
               contract change date.

 7XF   2000    The price election available for this county crop program will be released
               as an Actuarial Table Addendum (Special Provisions) prior to the policy
               contract change date.

 7XG   1997    The price elections available for this county crop program will be released
               as an Actuarial Table Addendum (Special Provisions) prior to the contract
               change date.

 7XX   2001    The price elections available for this county crop program will be released
               as an Actuarial Table Addendum (Special Provisions) prior to the policy
               contract change date.

 7YA   2001    ADEQUATE STAND/MINIMUM REQUIRED for living alfalfa plants per square foot,
               for each year after the year of establishment. Any acreage of alfalfa or
               alfalfa grass mixture type with an adequate stand will only be insurable
               as the type shown for the applicable years after year of establishment.

                                  1st     2nd     3rd    4th      5th     6th     7th
                                  Year    Year    Year   Year     Year    Year    Year
                                  ----------------------------------------------------
               Alfalfa/Irr        6.0     4.0     3.0    3.0      3.0       *        *
               -----------------------------------------------------------------------
               Alfalfa Grass
               Mixture/Irr        2.5     1.7     1.2    1.2      1.2     1.2     1.2
               -----------------------------------------------------------------------
               Alfalfa/Non-Irr    4.8     3.2     2.4     *        *       **       **
               -----------------------------------------------------------------------
               Alfalfa Grass
               Mixture/Non-Irr    2.0     1.3     1.0    1.0      1.0      **       **
               -----------------------------------------------------------------------
               Grass Alfalfa      ***     0.2     0.2    0.2      0.2     0.2     0.2****
               Mixture/Non-Irr

               *Overage stands are not insurable as the Alfalfa type and must be insured
               as the Alfalfa Grass Mixture type.
               **Overage stands are not insurable as the Alfalfa type or Alfalfa Grass
               Mixture type and must be insured Grass Alfalfa Mixture.
               ***Insurance does not attach until second year after year of establishment.
               **** Any acreage of a non-irrigated practice grass alfalfa mixture with
               an adequate stand will only be insurable as the Grass Alfalfa Mixture type
               for the second and succeeding crop years after the year of establishment.
               No maximum age limitation applies. The Grass Alfalfa Mixture type includes
               all Alfalfa and Alfalfa Grass Mixtures the eighth and succeeding years after
               year of establishment.

 7YB   2001











               ADEQUATE STAND/MINIMUM REQUIRED for living alfalfa plants per square foot,
               for each year after the year of establishment. Any acreage of alfalfa or
               alfalfa grass mixture type with an adequate stand will only be insurable
               as the type shown for the applicable years after year of establishment.

                                  1st     2nd     3rd    4th      5th     6th     7th
                                  Year    Year    Year   Year     Year    Year    Year
                                  ----------------------------------------------------
               Alfalfa/Irr        9.0     6.0     4.5    4.5      4.5       *        *
               -----------------------------------------------------------------------
               Alfalfa Grass
               Mixture/Irr        3.0     2.0     1.5    1.5      1.5     1.5     1.5
               -----------------------------------------------------------------------
               Alfalfa/Non-Irr    6.0     4.0     3.0     *        *       **       **
               -----------------------------------------------------------------------
               Alfalfa Grass
               Mixture/Non-Irr    2.0     1.3     1.0    1.0      1.0      **       **
               -----------------------------------------------------------------------
               Grass Alfalfa      ***     0.2     0.2    0.2      0.2     0.2     0.2****
               Mixture/Non-Irr

               *Overage stands are not insurable as the Alfalfa type and must be insured
               as the Alfalfa Grass Mixture type.
               **Overage stands are not insurable as the Alfalfa type or Alfalfa Grass
               Mixture type and must be insured as Grass Alfalfa Mixture.
               ***Insurance does not attach until second year after year of establishment.
               **** Any acreage of a non-irrigated practice grass alfalfa mixture with
               an adequate stand will only be insurable as the Grass Alfalfa Mixture type
               for the second and succeeding crop years after the year of establishment.
               No maximum age limitation applies. The Grass Alfalfa Mixture type includes
               all Alfalfa and Alfalfa Grass Mixtures the eighth and succeeding years after
               year of establishment.

 7YC   2001











               ADEQUATE STAND/MINIMUM REQUIRED for living alfalfa plants per square foot,
               for each year after the year of establishment. Any acreage of alfalfa or
               alfalfa grass mixture type with an adequate stand will only be insurable
               as the type shown for the applicable years after year of establishment.

                                  1st     2nd     3rd    4th      5th     6th     7th
                                  Year    Year    Year   Year     Year    Year    Year
                                  ----------------------------------------------------
               Alfalfa/Irr        9.0     6.0     4.5    4.5      4.5       *        *
               -----------------------------------------------------------------------
               Alfalfa Grass
               Mixture/Irr        3.8     2.5     1.9    1.9      1.9     1.9     1.9
               -----------------------------------------------------------------------
               Alfalfa/Non-Irr    7.5     5.0     3.8     *        *       **       **
               -----------------------------------------------------------------------
               Alfalfa Grass
               Mixture/Non-Irr    3.2     2.1     1.6    1.6      1.6      **       **
               -----------------------------------------------------------------------
               Grass Alfalfa      ***     0.2     0.2    0.2      0.2     0.2     0.2****
               Mixture/Non-Irr

               *Overage stands are not insurable as the Alfalfa type and must be insured
               as the Alfalfa Grass Mixture type.
               **Overage stands are not insurable as the Alfalfa type or Alfalfa Grass
               Mixture type and must be insured as Grass Alfalfa Mixture and must be
               insured as Grass Alfalfa Mixture.
               ***Insurance does not attach until second year after year of establishment.
               **** Any acreage of a non-irrigated practice grass alfalfa mixture with
               an adequate stand will only be insurable as the Grass Alfalfa Mixture type
               for the second and succeeding crop years after the year of establishment.
               No maximum age limitation applies.  The Grass Alfalfa Mixture type includes
               all Alfalfa and Alfalfa Grass Mixtures the eighth and succeeding years after
               year of establishment.

 7YD   2003    ADEQUATE STAND/MINIMUM REQUIRED for living Alfalfa plants (Types 551/552)
               or Red Clover plants (Type 554) per square foot, for each year after
               the year of establishment.

                                  1st     2nd     3rd    4th      5th     6th
                                  Year    Year    Year   Year     Year    Year
                                  --------------------------------------------
               Alfalfa            9.0     6.0     4.5    4.5      4.5       *
               ---------------------------------------------------------------
               Alfalfa Grass      6.0     4.0     3.0    3.0      3.0       *
               ---------------------------------------------------------------
               Red Clover         12.0    8.0     8.0     *        *        *

               *Overage, not insurable for the type/practice.

 7YE   2001















               ADEQUATE STAND/MINIMUM REQUIRED for living alfalfa plants per square foot,
               for each year after the year of establishment. Any acreage of alfalfa or
               alfalfa grass mixture type with an adequate stand will only be insurable
               as the type shown for the applicable years after year of establishment.

                                  1st     2nd     3rd    4th      5th     6th     7th
                                  Year    Year    Year   Year     Year    Year    Year
                                  ----------------------------------------------------
               Alfalfa/Irr        6.0     4.0     3.0    3.0      3.0       *        *
               -----------------------------------------------------------------------
               Alfalfa Grass
               Mixture/Irr        2.5     1.7     1.2    1.2      1.2     1.2     1.2

               *Overage stands are not insurable as the alfalfa type and must be insured
               as the Alfalfa Grass Mixture Type.

 8A1   2004    Classification 001 is applicable to all producers unless classified
               otherwise by the Corporation.

 8A2   2003    Classification 002 is applicable to all producers unless classified
               otherwise by the Corporation.

 8A3   2003    Classification 003 is applicable to all producers unless classified
               otherwise by the Corporation.

 8A4   1999    Classification 004 is applicable to all producers unless classified
               otherwise by the Corporation.

 8AH   1998      ** Fall Direct Seeding Period - August 10 through September 15.

 8AI   2003    Minimum Value:  The minimum value to be used for harvested and appraised
               production will be $4.00 per box.

 8AJ   2003    Minimum Value Option Price:  If you selected Option I of the Minimum Value
               Option, the minimum value option price is $2.75.  If you selected Option II of
               the Minimum Value Option, the minimum value option price is zero.

 8AM   1998      ** Fall Direct Seeding Period - July 1 through July 31.

 8AO   1998    Replant Payment Per Acre:  The maximum amount of the replanting payment per
               acre will be $300.00.

 8AP   1998      ** Fall Transplanting Period - August 1 through August 31.

 8AQ   1998      ** Spring Direct Seeding Period - January 15 through February 5.

 8AR   1998      ** Spring Transplanting Period - January 15 through March 5.

 8AS   2003      ** Insurance will not attach on any acreage of Spring planted peppers
               planted prior to January 15 in Rate Area B, without a crop inspection on
               or after that date showing there is no damage to the crop.  The result of
               the crop inspection will be placed in, and become part of, the official
               file.

 8AV   2003    The number of bushels per bin is the number established by the first
               handler (packinghouse or processor) and should be specified on the
               record settlement sheet.

 8AW   2003    Option A of the Fresh Fruit Option is not applicable in the county.

 8AX   2003    ****Includes insured winter wheat acreage subsequently reseeded to
               spring wheat.

 8B1   1999    Subparagraph 11(d) (3) (ii) of the Small Grains Crop Provisions does not
               apply. In lieu of the provisions in paragraph 11(d) (4) of the Small
               Grains Crop Provisions, barley production that has a musty, sour, or
               commercially objectionable foreign odor (except smut or garlic odor) or
               that is otherwise eligible for quality adjustment, as specified in
               paragraphs 11(d) (2) and (3) of such provisions, will be reduced as
               follows:

               The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count. The QA Factor (not less than zero) will be multiplied by the number
               of bushels remaining after any reduction due to excessive moisture (in
               accordance with the Small Grains Crop Provisions) to determine the net
               production to count. Any grain which, due to insurable causes, has zero
               market value (net zero market value after consideration of additional costs
               to deliver damaged grain to a market of reasonable distance outside your
               local marketing area) will not be considered production to count if the
               production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for
               the respective types and levels of damage.  Additional costs to deliver
               grain outside your local market will be allowed only for types and levels
               of damage included in Section 6.

               1  Barley will be discounted for low test weight as follows:

               Test Weight Pounds   DF  Test Weight Pounds   DF  Test Weight Pounds    DF
                   40 and above    None     36-36.99        .084     32-32.99         .134
                   39-39.99        .046     35-35.99        .096     31-31.99         .143
                   38-38.99        .059     34-34.99        .109     30-30.99         .153
                   37-37.99        .071     33-33.99        .121 Below 30 - See Section 6

               2  Barley will be discounted for excessive kernel damage (excluding heat
                  damage) as follows:

                  Kernel Damage %   DF   Kernel Damage %     DF   Kernel Damage %    DF
                    8 and below    None     17.01-18        .115     27.01-28       .242
                    8.01-9         .025     18.01-19        .127     28.01-29       .255
                    9.01-10        .034     19.01-20        .140     29.01-30       .268
                   10.01-11        .042     20.01-21        .153     30.01-31       .280
                   11.01-12        .051     21.01-22        .166     31.01-32       .293
                   12.01-13        .059     22.01-23        .178     32.01-33       .306
                   13.01-14        .068     23.01-24        .191     33.01-34       .319
                   14.01-15        .076     24.01-25        .204     34.01-35       .331
                   15.01-16        .089     25.01-26        .217  Above 35 - See Section 6
                   16.01-17        .102     26.01-27        .229

               3  Barley will be discounted for percent sound barley as follows:

                   Sound Barley %   DF   Sound Barley %    DF   Sound Barley %    DF
                     85 and above  None    73-73.99       .059    61-61.99       .110
                     84-84.99      .026    72-72.99       .064    60-60.99       .115
                     83-83.99      .029    71-71.99       .068    59-59.99       .119
                     82-82.99      .031    70-70.99       .072    58-58.99       .123
                     81-81.99      .034    69-69.99       .076    57-57.99       .127
                     80-80.99      .037    68-68.99       .081    56-56.99       .132
                     79-79.99      .040    67-67.99       .085    55-55.99       .136
                     78-78.99      .043    66-66.99       .089    54-54.99       .140
                     77-77.99      .046    65-65.99       .093    53-53.99       .144
                     76-76.99      .049    64-64.99       .098    52-52.99       .149
                     75-75.99      .052    63-63.99       .102    51-51.99       .153
                     74-74.99      .055    62-62.99       .106    50-50.99       .157
                                                               Below 50 - See Section 6

 8B2   1999    4  Barley will be discounted for percent thin barley as follows:

                   Thin Barley %   DF   Thin Barley %    DF   Thin Barley %    DF
                    35 and below  None    56.01-57      .117    78.01-79      .209
                    35.01-36      .029    57.01-58      .121    79.01-80      .213
                    36.01-37      .033    58.01-59      .125    80.01-81      .217
                    37.01-38      .038    59.01-60      .130    81.01-82      .222
                    38.01-39      .042    60.01-61      .134    82.01-83      .226
                    39.01-40      .046    61.01-62      .138    83.01-84      .230
                    40.01-41      .050    62.01-63      .142    84.01-85      .234
                    41.01-42      .054    63.01-64      .146    85.01-86      .238
                    42.01-43      .059    64.01-65      .150    86.01-87      .242
                    43.01-44      .063    65.01-66      .155    87.01-88      .247
                    44.01-45      .067    66.01-67      .159    88.01-89      .251
                    45.01-46      .071    67.01-68      .163    89.01-90      .255
                    46.01-47      .075    68.01-69      .167    90.01-91      .259
                    47.01-48      .079    69.01-70      .171    91.01-92      .263
                    48.01-49      .084    70.01-71      .176    92.01-93      .268
                    49.01-50      .088    71.01-72      .180    93.01-94      .272
                    50.01-51      .092    72.01-73      .184    94.01-95      .276
                    51.01-52      .096    73.01-74      .188    95.01-96      .280
                    52.01-53      .100    74.01-75      .192    96.01-97      .284
                    53.01-54      .104    75.01-76      .196    97.01-98      .288
                    54.01-55      .109    76.01-77      .201    98.01-99      .293
                    55.01-56      .113    77.01-78      .205    99.01-100     .297

               5  Barley will be discounted for black barley; and an ergoty, garlicky,
               or smutty grade as follows:

                  Black Barley = .042  Ergoty = .013  Garlicky = .017  Smutty = .017

               6  Barley with (A) a test weight below 30 pounds per bushel; (B) a kernel
               damage percentage above 35 percent; (C) a sound barley percentage below
               50 percent; (D) a musty, sour, or commercially objectionable foreign
               odor (except smut or garlic odor); and/or (E) the presence of
               substances or conditions identified by the Food and Drug Administration
               or other public health organizations of the United States as injurious
               to human or animal health; may be allowed a discount factor. To determine
               the Discount Factor, the reduction in value (RIV) caused by the
               deficiencies, substances, or conditions allowed in (A), (B), (C), (D),
               and/or (E) will be determined and the total will be divided by the
               Posted County Price (PCP)*. The RIV will not include any price
               reduction resulting from any Discount Factors that are included in
               sections 1, 2, 3, 4, and 5.

               A  The RIV's specified in section 6 will be limited to those that are
               usual, customary, and reasonable. If the RIV can be decreased by
               conditioning the production, the RIV after conditioning may be
               increased by the cost of conditioning, provided that the resulting
               RIV does not exceed the RIV before conditioning. No RIV will be
               accepted if it is due to (1) moisture content; (2) damage due to
               uninsured causes; or (3) drying, handling, processing, or any other
               costs associated with normal harvesting, handling, and marketing
               of the production.

 8B3   1999    B   RIV's used will be those in the local market area in which you
               normally market the crop, to the extent feasible. If the RIV for a
               buyer located outside your local market area is less than the RIV in
               your local market area, then the RIV may be increased by the additional
               costs required to deliver the production to the buyer, provided that
               the resulting RIV does not exceed the RIV in your local market area.
               If the damaged production has been sold, the Discount Factor will be
               based upon the RIV's applied by the buyer unless it is determined that
               such RIV's are not usual, customary, and reasonable.

               C  For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such production
               in a manner which establishes a value.  In such cases, the value we agree
               to will be utilized in accordance with our approved procedures to determine
               the RIV for quality adjustment purposes according to section 6 herein.

               D  The RIV's and PCP will be those in effect on the earlier of the date
               such quality-adjusted production is sold or the date of final inspection
               for the unit.

               7  If the barley is eligible for quality adjustment according to section 2
               (kernel damage chart) AND section 3 (percent sound barley chart), the
               greater of the two chart Discount Factors will be used.  If the chart
               Discount Factor from section 2 OR section 3 applies, but section 6 also
               applies for either percent kernel damage or percent sound barley, the
               greater of the applicable chart Discount Factor or the Discount Factor
               determined according to section 6 will be used.  In no event will Discount
               Factors be allowed for both kernel damage and percent sound barley.

               * "Posted County Price (PCP)" is the price established by the Commodity
               Credit Corporation (CCC) for barley in the county shown on your
               application. If multiple counties are shown on your application, it is
               the county in which the insured unit is located. If the CCC
               discontinues establishing PCP's for the county, the PCP will be the
               Local Market Price as defined in the Small Grains Crop Provisions.

 8B4   2003    Lima bean acreage following any crop except snap beans harvested in the
               same crop year is insurable.

 8B6   2003    Snap bean acreage following any crop harvested in the same crop year is
               insurable; however, insects and/or disease are not insurable causes of
               loss if such acreage is following snap beans, lima beans or green peas.

 8B7   2001      ** Applicable to acreage planted before May 31.

 8B8   2001      ** Applicable to acreage planted after May 30.

 8BD   2003    Percentage of sugar for use in adjusting harvested production as
               provided in the Sugar Beet Policy:

 8BF   2003    Insurance may attach on acreage planted to sugar beets regardless of
               past sugar beet planting frequency.

 8BL   2003    Land located within the boundaries of the levees that confine any
               1. river 2. channel 3. bypass 4. settling basin or 5. creek shall be
               rated on an individual risk basis.  Contact the Regional Office to request
               that an offer be developed.



 8BO   2003    Minimum Value:  The minimum value to be used for harvested and appraised
               production will be $3.00 per carton.

 8BT   2003    Minimum Value Option Price:  If you selected Option I of the Minimum Value
               Option, the minimum value option price is $2.00.  If you selected Option II of
               the Minimum Value Option, the minimum value option price is zero.

 8BY   1998    Replant Payment Per Acre:  The maximum amount of the replanting payment per
               acre will be $175.00.

 8C    2003    Classification 001 is applicable to all producers.

 8C1   2003    Classification 001 is applicable to all irrigated producers.

 8C2   2003    **** Insurance will not attach on acreage planted before April 20.

 8C4   2003    **** Insurance will not attach on acreage planted before May 10.

 8C6   2003    Insurance will not attach to any acreage on which potatoes were planted
               in either of the two preceding crop years; however, potatoes will be
               insurable any two of the first three years on land that has not been
               previously planted to potatoes.

 8C8   2003    Production tonnage is expressed as sieve size 4 equivalent and is
               determined by dividing the dollar amount received from the processor by
               the applicable contract price for sieve size 4 snap beans.

 8CI   2003    Minimum Value:  The minimum value to be used for harvested and appraised
               production will be $2.00 per 42-pound crate for practices 120 (Fall Planted
               Irrigated ) and 320 (Spring Planted Irrigated).  The minimum value to be used
               for harvested and appraised production will be $4.00 per 42-pound crate for
               practice 220 (Winter Planted Irrigated).

 8CJ   2003    **** Early Season includes varieties requiring 1275 or less heat units
               for maturity during a normal growing season.

 8CN   2003    **** Mid Season includes varieties requiring 1276-1550 heat units for
               maturity during a normal growing season.

 8CO   2003    Replant Per Acre:  The maximum amount of the replanting payment per acre will
               be $65.00.

 8CP   2003    **** Late Season includes varieties requiring 1551 or more heat units
               for maturity during a normal growing season.

 8CR   2000    Insurance shall not attach to any acreage on which dry beans, sunflowers,
               soybeans, rape or mustard have been planted in either of the preceding two
               years.

 8CT   1998    The premium amount for this crop will be increased by 46 percent for the 1998
               crop year ONLY as a result of the additional six months of coverage as
               specified in the Texas Citrus Trees Crop Provisions (98-046) section 6

 8CW   2002    Conversion factors to be used in accordance with the provisions of the
               insurance policy for adjusting threshed production of dry beans:
                   Section I.   CLASS OF BEANS        GRADE        FACTOR
                                Great Northern      U.S. No. 3      .91
                                Pinto               U.S. No. 3      .90

                   Section II.  Great Northern
                        Percent of Pick    Factor    Percent of Pick    Factor
                              7             .87             14           .69
                              8             .84             15           .67
                              9             .82             16           .64
                             10             .79             17           .62
                             11             .77             18           .59
                             12             .74             19           .57
                             13             .72             20           .55

 8CY   2002    Conversion factors to be used in accordance with the provisions of the
               insurance policy for adjusting threshed production of dry beans:
                   Section I.   CLASS OF BEANS        GRADE        FACTOR
                                Cranberry           U.S. No. 3      .94
                                Black Turtle Soup   U.S. No. 3      .94
                                Dark Red Kidney     U.S. No. 3      .94
                                Light Red Kidney    U.S. No. 3      .94
                                Pinto               U.S. No. 3      .94

                   Section II.  Pea and Medium White
                        Percent of Pick    Factor    Percent of Pick     Factor
                              5             .98             13            .80
                              6             .96             14            .78
                              7             .94             15            .76
                              8             .91             16            .74
                              9             .89             17            .72
                             10             .86             18            .70
                             11             .84             19            .68
                             12             .82             20            .67

 8D0   2001    Canning or processing bean acreage planted the previous year to snap
               beans, lima beans, green peas, mint, rye, soybeans or sunflowers is
               insurable.

 8D2   2000    Any loss of production due to scab will not be an insurable cause of
               loss on any land that was planted to potatoes in either of the two
               preceding crop years.

 8D3   2003    Insurance will not attach to any acreage on which potatoes and/or sugar
               beets were planted in each of the two preceding crop years.

 8D4   2003    In determining production to be counted in the event of loss, appraisals
               will be made for any reduction in production the Corporation determines
               was the result of harvesting prior to August 1 of the crop year.

 8D5   1997    **** Insurable varieties for Group A: Monona, Norchip, Superior, Atlantic,
               New Norchip, Wischip, FL-795, FL-945, FL-1312, FL-1533, and FL-1553.

 8D6   2003    **** Insurable varieties for Group B:  All varieties not listed in Group A.

 8DA   2003    Any acreage that is interplanted with another crop during the insured
               crop year is uninsurable.

 8DE   2003    A container is defined as 42 pounds of the insured crop.

 8DF   2003    In determining production to be counted in the event of loss, appraisals
               will be made for any reduction in production the Corporation determines
               was the result of harvesting prior to September 10 of the crop year.

 8DG   1997    In determining production to be counted in the event of loss, appraisals
               will be made for any reduction of production that the Corporation
               determines was the result of harvesting prior to September 15 of
               the crop year.

 8DH   2003    The percentage of sugar for appraisals will be "   " percent.

 8DI   2003    Allowable cost for harvested production will include the actual cost of
               picking, grading, packing containers, hauling and selling not to exceed $2.60
               per 42 pound container.

 8DJ   2003    Allowable cost for harvested production will include the actual cost of
               picking, grading, packing containers, hauling and selling not to exceed $3.50
               per 25 pound carton.

 8DL   2003      **IBR - Planted in rows far enough apart to permit intertilling
               between the rows with a row cultivator.

 8DM   2003      ** NIBR - Planted in rows not far enough apart to permit intertilling
               between the rows with a row cultivator.

 8DO   2003    Allowable cost of harvested production will include the actual cost of picking,
               grading, packing containers, hauling and selling not to exceed $4.85 per 1 1/9
               bushel.

 8DQ   1997      ** Insurance will attach only on potatoes planted during the period of
               September 15 - October 15.

 8DS   1997      ** Insurance will attach only on potatoes planted during the period of
               December 1 - January 10.

 8DV   2003    If any of the production from any unit will be marketed directly to the
               consumer, a pre-harvest crop appraisal is required.  Notification to us
               must be provided at least 15 days before harvest begins.

 8EF   2003    Insurance will not attach to any acreage on which potatoes were planted
               the preceding crop year.

 8EH   2003    Any acreage from which a small grain, hay, or green pea crop was
               harvested in the same calendar year is not insurable.

 8EI   2003    A minimum of nine (9) live plants per square foot will be considered to be a
               normal stand for loss adjustment purposes

 8EL   1997     *** Insurance will attach only on potatoes planted during the period of
               October 10 - January 10.

 8ET   2003    * Alfalfa or Forage mixtures containing at least 50 percent Alfalfa
               (by weight).

 8EV   1996      ** Includes wheat after peas, beans, alfalfa or clover.

 8EX   2003    *Alfalfa or Forage mixture containing at least 50 percent Alfalfa, Clover, or
               any other locally recognized and approved forage species (by weight).

 8FP   1997    **** Insurable Varieties for Group A:  Arra, Datal, Eero, Lidal,
               Odal, and Poko.

 8FQ   1997    **** Insurable Varieties for Group B:  All Spring Varieties not listed
               in Group A.

 8FS   2003    Insurance will not attach to any acreage on which potatoes were
               planted in each of the three preceding crop years.

 8FV   2003    Insurance shall not attach to any acreage with known infestations of
               Fusarium Fungus within the three previous years.

 8GD   2003    Insurance shall not attach to any acreage on which sunflowers, potatoes,
               dry beans, soybeans, rape or mustard have been planted the preceding
               crop year.

 8GI   2003    Insurance shall not attach to any acreage on which potatoes were
               planted in each of the two preceding crop years.

 8GM   1999    Insurance shall not attach on any acreage initially planted
               after February 15.  Insurance shall cease on any acreage deemed
               destroyed if it is not practical to replant such acreage on or
               before February 15.

 8I    1997      ** Includes barley after peas, beans, alfalfa or clover.

 8IB   2003    * Nectarines are insurable as a varietal class of peaches.

 8IL   2003    **** Applicable to insurance under the Guaranteed Production Plan of
               Tobacco Crop Insurance Policy.

 8IM   2003    **** Applicable to insurance under the Quota Plan of Tobacco Crop
               Insurance Policy.

 8IP   1997      ** Without Weed Control - Applicable to acreage on which recommended
               weed control practices are not used.

 8IR   1997      ** With Weed Control - Applicable to acreage on which recommended weed
               control practices are used.

 8JD   2003    **** Insurable Varieties for Group A: Buffalo, Clinton, Concord, Elvira,
               Fredonia, Missouri Riesling, and Steuben.
               Any unit containing both Group A and Group B varieties for which separate
               guarantees have not been established by group will have the Group A price
               elections and premium rates.

 8JE   2003    **** Insurable Varieties for Group B: Catawba, Delaware, Diamond,
               Dutchess, French Hybrids, Isabella, Ives, and Niagara.
               Any unit containing both Group A and Group B varieties for which separate
               guarantees have not been established by group will have the Group A price
               elections and premium rates.

 8JF   1998    **** Insurable Varieties for Group A:  Concord and Niagara.

 8JH   2003    Insurable age of vines: Fourth growing season after being set out.
                                       Third growing season after being grafted.


 8JI   2003    Insurable age of vines: Fourth growing season after being set out
               for Concords. Fifth growing season after being set out for all other varieties.


 8JK   2003    * Insurable Varieties:  Concord and Niagara.

 8K3   2003    Red and white onions shall not be insurable on any acreage planted/
               seeded the previous crop year to any onions including green, bunch, seed,
               chives, garlic, leek, or scallions unless otherwise designated by the
               Corporation.  Rotation requirements do not apply to yellow type onions.

 8K8   2003      ** Onions with a cover crop include:
               a) direct seeded onions planted with a spring planted cover crop
               (companion/nurse crop) which is established during the initial growing phase of
               the insured crop, and the cover crop is controlled and eliminated within 70
               days after the initial seeding of the applicable acreage; or,
               b) onions transplanted/sets planted with a spring planted cover crop, and the
               cover crop is controlled and eliminated within 70 days after the transplanting
               of the applicable acreage.

 8KD   1999    Insurance shall not attach on any acreage initially planted after April
               30.  Insurance shall cease on any acreage deemed destroyed if it is not
               practical to replant such acreage on or before April 30.

 8KE   1999    Insurance shall not attach on any acreage initially planted after May 15.
               Insurance shall cease on any acreage deemed destroyed if it is not
               practical to replant such acreage on or before May 15.

 8KF   1999    Insurance shall not attach on any acreage initially planted after May 31.
               Insurance shall cease on any acreage deemed destroyed if it is not
               practical to replant such acreage on or before May 31.

 8KJ   2001    Insurance shall not attach or be considered to have attached on any
               acreage which is non-irrigated and from which a hay crop was harvested
               or a small grain crop reached the heading stage in the same calendar year.

 8M2   2000    **** A mixed stand of alfalfa and grass in which alfalfa comprises more than 25
               percent but less than 60 percent of the ground cover for acreage NOT insured
               under the Winter Coverage Endorsement.

 8M3   2000    **** A pure stand of red clover or a stand of red clover and grass in which 60
               percent or more of the ground cover is red clover for acreage NOT insured under
               the Winter Coverage Endorsement.

 8MG   2003    Any acreage of alfalfa or alfalfa grass mixture will not be insurable the sixth
               and succeeding crop years after the year of establishment.


 8MJ   1997    **** Rate applicable if 75% or more of insurable acreage on the unit
               is one variety.

 8MK   1997    **** Rate applicable if 50% or more but less than 75% of insurable
               acreage on the unit is one variety.

 8ML   1997    **** Rate applicable if the insurable acreage of each variety is
               less than 50% of the total insurable acreage on the unit.

 8MO   2000    ADEQUATE STAND/MINIMUM REQUIRED living plants per square foot after the

               year of establishment:  Type Alfalfa:  Adequate stand (Alfalfa plants

               per square foot) 9.0 the first year; 6.0 the second year; 4.5 the third

               through fifth years.  Type Alfalfa Grass Mixture:  Adequate stand (Alfalfa
               plants
               per square foot) 6.0 the first year; 4.0 the second year; 3.0 the third through
               fifth years.  Type Red Clover:  Adequate stand (Red Clover plants per square
               foot) 12.0 the first year; 8.0 the second and third years.


 8MP   2003    Any acreage of alfalfa will not be insurable the sixth and succeeding crop
               years after the year of establishment.

 8MQ   2000    **** A pure stand of alfalfa or a stand of alfalfa and grass in which 60
               percent or more of ground cover is alfalfa for acreage insured under the Winter
               Coverage Endorsement.

 8MR   2000    **** A mixed stand of alfalfa and grass in which alfalfa comprises more than
               25 percent but less than 60 percent of the ground cover for acreage insured
               under the Winter Coverage Endorsement.

 8MX   2003    ADEQUATE STAND/MINIMUM REQUIRED living plants per square foot after the
               year of establishment:  Type Alfalfa:  Adequate stand (Alfalfa plants
               per square foot) 9.0 the first year; 6.0 the second year; 4.5 the third
               and later years.  Type Alfalfa Grass Mixture:  Adequate stand (Alfalfa plants
               per square foot) 6.0 the first year; 4.0 the second year; 3.0 the third and
               later years.

 8MY   2003    Any acreage of red clover will not be insurable the fourth and succeeding crop
               years after the year of establishment.


 8N1   1999    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the
               number of pounds remaining after any reduction due to excessive moisture
               (in accordance with the Canola/Rapeseed Crop Provisions) to determine
               the net production to count.  Any grain which, due to insurable causes, has
               zero market value (net zero market value after consideration of additional
               costs to deliver damaged grain to a market of reasonable distance outside
               your local marketing area) will not be considered production to count if
               the production is destoyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for
               the respective types and levels of damage.  Additional costs to deliver
               grain outside your local market will be allowed only for types and levels
               of damage included in section 3.

               1  Canola will be discounted for excessive kernel damage (excluding heat
               damage) as follows:

               Kernel Damage %     DF   Kernel Damage %      DF   Kernel Damage %     DF
                  20 and above    None     23.01-24         .588     27.01-28        .775
                  20.01-21        .448     24.01-25         .635     28.01-29        .821
                  21.01-22        .495     25.01-26         .681     29.01-30        .868
                  22.01-23        .542     26.01-27         .728     Above 30 - See
               Section 3

               2  Canola will be discounted for musty odor, sour odor, and commercially
               objectionable foreign odor (COFO) as follows:

                  Musty Odor = .037        Sour Odor = .037        COFO = .065

               3  Canola with (A) a kernal damage percentage above 30 percent; and/or (B)
               the presence of substances or conditions identified by the Food and Drug
               Administration or other public health organizations of the United States as
               injurious to human or animal health; may be allowed a Discount Factor.  To
               determine the Discount Factor, the reduction in value (RIV) caused by the
               deficiencies, substances, or conditions
               allowed in (A), and/or (B) will be determine and the total will be divided
               by the Regionally Constructed Price (RCP)*.  The RIV will not include any
               price reduction resulting from any Discount Factors that are included in
               sections 1 and 2.

 8N2   1999    A  The RIV's specified in section 3 will be limited to those that are
               usual, customary, and reasonable. If the RIV can be decreased by
               conditioning the production, the RIV after conditioning may be
               increased by the cost of conditioning, provided that the resulting RIV
               does not exceed the RIV before conditioning. No RIV will be accepted if
               it is due to (1) moisture content; (2) damage due to uninsured causes;
               or (3) drying, handling, processing, or any other costs associated with
               normal harvesting, handling, and marketing of the production.

               B  RIV's used will be those in the local market area in which you normally
               market the crop, to the extent feasible. If the RIV for a buyer located
               outside your local market area is less than the RIV in your local market
               area, then the RIV may be increased by the additional costs required to
               deliver the production to the buyer, provided that the resulting RIV
               does not exceed the RIV in your local market area. If the damaged
               production has been sold, the Discount Factor will be based upon the
               RIV's applied by the buyer unless it is determined that such RIV's are
               not usual, customary, and reasonable.

               C  For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such production
               in a manner which establishes a value.  In such cases, the value we agree
               to will be utilized in accordance with our approved procedures to determine
               the RIV for quality adjustment purposes according to section 3 herein.

               D  The RIV's and RCP will be those in effect on the earlier of the date
               such quality-adjusted production is sold or the date of final inspection
               for the unit.

               *  "Regionally Constructed Price (RCP)" is the price established by the
               Commodity Credit Corporation (CCC) for canola in the county shown on your
               application.  If multiple counties are shown on your application, it is the
               county in which the insured unit is located. If the CCC discontinues
               establishing RCP's for the county, the RCP will be the Local Market Price as
               defined in the Canola/Rapeseed Crop Provisions.

 8NC   1996    **** Insurable Varieties for Group A: Russet Burbank.

 8ND   1996    **** Insurable Varieties for Group B: All varieties except Russet Burbank.

 8NI   2003    Insurance will not attach to any acreage on which potatoes were
               planted in each of the four previous crop years.

 8NJ   2003    Loss of production as a result of frost or freeze occurring after
               October 15 will not be an insurable cause of loss.

 8NO   2003    ADEQUATE STAND/MINIMUM REQUIRED living plants per square foot after
               the year of establishment:  Type Alfalfa:  Adequate stand (Alfalfa plants
               per square foot) 6.0 the first year; 4.0 the second year; 3.0 the third
               through fifth years.

 8NR   2004    Definition of with frost protection: Applicable only to acreage protected
               by a sufficient number of approved type heaters or wind machines as
               determined by the Corporation and/or acreage on which recommended good
               chemical weed control practices are carried out.

 8NS   1997      ** Without Frost Protection - Applicable to acreage not meeting practice
               requirements for With Frost Protection.

 8NT   2002    * Insurable Varieties: Thompson Seedless, Muscats, Monukkas, Sultanas,
               Black Imperial, Superior Seedless, Ruby Seedless and Flame Seedless.
               (Fiesta will be considered Thompson Seedless.)

 8NU   1996      ** Insurance will not attach to raisins placed on trays in North-South
               vineyard rows after September 8.

 8NX   2003    Acreage of alfalfa will not be insurable the sixth and succeeding crop
               years after the year of establishment.

 8O0   1999    Subparagraph 11(d) (3) (ii) of the Small Grains Crop Provisions does not
               apply.  In lieu of the provisions in paragraph 11(d) (4) of the Small
               Grains Crop Provisions, oat production that has a musty, sour, or
               commercially objectionable foreign odor (except smut or garlic odor) or
               that is otherwise eligible for quality adjustment, as specified in
               paragraphs 11(d) (2) and (3) of such provisions, will be reduced as
               follows:

               The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the
               number of bushels remaining after any reduction due to excessive moisture
               (in accordance with the Small Grains Crop Provisions) to determine the
               net production to count.  Any grain which, due to insurable causes, has
               zero market value (net zero market value after consideration of additional
               costs to deliver damaged grain to a market of reasonable distance outside
               your local marketing area) will not be considered production to count if
               the production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for
               the respective types and levels of damage.  Additional costs to deliver
               grain outside your local market will be allowed only for types and levels
               of damage included in section 4.

               1  Oats will be discounted for low test weight as follows:

               Test Weight Pounds  DF   Test Weight Pounds   DF   Test Weight Pounds  DF
                  27 and above    None     24-24.99         .185     21-21.99        .233
                  26-26.99        .153     23-23.99         .201     20-20.99        .249
                  25-25.99        .169     22-22.99         .217  Below 20 - See Section 4

               2  Oats will be discounted for percent sound oats as follows:

                  Sound Oats %    DF     Sound Oats %    DF     Sound Oats %   DF
                  80 and above   None     69-69.99      .323     58-58.99     .497
                    79-79.99     .164     68-68.99      .338     57-57.99     .513
                    78-78.99     .180     67-67.99      .354     56-56.99     .529
                    77-77.99     .196     66-66.99      .370     55-55.99     .545
                    76-76.99     .212     65-65.99      .386     54-54.99     .560
                    75-75.99     .227     64-64.99      .402     53-53.99     .576
                    74-74.99     .243     63-63.99      .418     52-52.99     .592
                    73-73.99     .259     62-62.99      .434     51-51.99     .608
                    72-72.99     .275     61-61.99      .449      50-50.99      .624
                    71-71.99     .291     60-60.99      .465   Below 50 - See Section 4
                    70-70.99     .307     59-59.99      .481

               3  Oats will be discounted for ergoty, garlicky or smutty grade as follows:

                   Ergoty = .026        Garlicky = .016         Smutty = .053

               4  Oats with (A) a test weight below 20 pounds per bushel; (B) a sound
               oats percentage below 50 percent; (C) a musty, sour, or commercially
               objectionable foreign odor (except smut or garlic odor); and/or (D)
               the presence of substances or conditions identified by the Food and
               Drug Administration or other public health organizations of the
               United States as injurious to human or animal health; may be allowed
               a Discount Factor.  To determine the Discount Factor, the reduction in
               value (RIV) caused by the deficiencies, substances, or conditions
               allowed in (A), (B), (C), and/or (D) will be determined and the total
               will be divided by the Posted County Price (PCP)*.  The RIV will not
               include any price reduction resulting from any Discount Factors that are
               included in sections 1, 2, and 3.

 8O1   1999    A  The RIV's specified in section 4 will be limited to those that are
               usual, customary, and reasonable. If the RIV can be decreased by
               conditioning the production, the RIV after conditioning may be
               increased by the cost of conditioning, provided that the resulting RIV
               does not exceed the RIV before conditioning. No RIV will be accepted if
               it is due to (1) moisture content; (2) damage due to uninsured causes;
               or (3) drying, handling, processing, or any other costs associated with
               normal harvesting, handling, and marketing of the production.

               B  RIV's used will be those in the local market area in which you normally
               market the crop, to the extent feasible. If the RIV for a buyer located
               outside your local market area is less than the RIV in your local market
               area, then the RIV may be increased by the additional costs required to
               deliver the production to the buyer, provided that the resulting RIV
               does not exceed the RIV in your local market area. If the damaged
               production has been sold, the Discount Factor will be based upon the
               RIV's applied by the buyer unless it is determined that such RIV's are
               not usual, customary, and reasonable.

               C  For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such production
               in a manner which establishes a value.  In such cases, the value we agree
               to will be utilized in accordance with our approved procedures to determine
               the RIV for quality adjustment purposes according to section 4 herein.

               D  The RIV's and PCP will be those in effect on the earlier of the date
               such quality-adjusted production is sold or the date of final inspection
               for the unit.

               *  "Posted County Price (PCP)" is the price established by the Commodity
               Credit Corporation (CCC) for oats in the county shown on your application.
               If multiple counties are shown on your application, it is the county in
               which the insured unit is located. If the CCC discontinues establishing
               PCP's for the county, the PCP will be the Local Market Price as defined
               in the Small Grains Crop Provisions.

 8O4   2003    **** Includes insured Fall-planted acreage subsequently reseeded to a
               NON-STORAGE white or yellow type after the final planting date.

 8OA   2003    Acreage of alfalfa located north of Township 9 South will not be insurable the
               ninth and succeeding crop years after the year of establishment.  Acreage of
               alfalfa located South of Township 9 South will not be insurable the fourth and
               succeeding crop years after the year of establishment.

 8OB   2003    ADEQUATE STAND/MINIMUM REQUIRED required living plants per square foot after
               the year of establishment:  Acreage located north of Township 9 South - Type
               Alfalfa:  Adequate stand (Alfalfa plants per square foot): 8.0 the first year;
               5.3 the second year; 4.0 the third through eighth years.  Acreage located south
               of Township 9 South - Type Alfalfa:  Adequate stand (Alfalfa plants per square
               foot):  12.0 the first year; 8.0 the second year; 6.0 the third year.

 8OC   2003    Acreage of alfalfa will not be insurable the fourth and succeeding crop years
               after the year of establishment.

 8OD   2003    ADEQUATE STAND/MINIMUM REQUIRED living plants per square foot after the year of
               establishment:  Type Alfalfa:  Adequate stand (Alfalfa plants per square foot):
                12.0 the first year; 8.0 the second year; 6.0 the third year.

 8OE   2003    Acreage of alfalfa will not be insurable the ninth and succeeding crop years
               after the year of establishment.

 8OF   2003    ADEQUATE STAND/MINIMUM REQUIRED living plants per square foot after the year of
               establishment:  Type Alfalfa:  Adequate stand (Alfalfa plants per square foot):
                8.0 the first year; 5.3 the second year; 4.0 the third through eighth years.

 8OG   2003    ADEQUATE STAND/MINIMUM REQUIRED required living plants per square foot after
               the year of establishment:  Type Alfalfa; Practice Irrigated:  Adequate stand
               (Alfalfa plants per square foot):  10.0 the first year; 6.7 the second year;
               5.0 the third through fourth years.  Type Alfalfa; Practice Non-Irrigated:
               Adequate stand (Alfalfa plants per square foot):  4.0 the first year; 2.7 the
               second year; 2.0 the third through fourth years.

 8OH   2003    Acreage of alfalfa will not be insurable the fifth and succeeding crop years
               after the year of establishment.

 8OI   2003    ADEQUATE STAND/MINIMUM REQUIRED living plants per square foot after the year of
               establishment:  Type Alfalfa:  Adequate stand (Alfalfa plants per square foot):
                10.0 the first year; 6.7 the second year; 5.0 the third through fourth years.

 8OJ   2003    ADEQUATE STAND/MINIMUM REQUIRED living plants per square foot after the year of
               establishment:  Type Alfalfa:  Adequate stand (Alfalfa plants per square foot):
                14.0 the first year; 9.3 the second year; 7.0 the third year.

 8OK   2003    Acreage of alfalfa located above 1500 feet elevation will not be insurable the
               seventh and succeeding crop years after the year of establishment.  Acreage of
               alfalfa located below 1500 feet elevation will not be insurable the fourth and
               succeeding crop years after the year of establishment.

 8OL   2003    ADEQUATE STAND/MINIMUM REQUIRED living plants per square foot after the year of
               establishment:  Acreage of alfalfa located above 1500 feet elevation:  Type
               Alfalfa: Adequate stand (Alfalfa plants per square foot):  8.0 the first year;
               5.3 the second year; 4.0 the third through sixth years.  Acreage of alfalfa
               located below 1500 feet elevation:  Type Alfalfa: Adequate stand (Alfalfa
               plants per square foot):  14.0 the first year; 9.3 the second year; 7.0 the
               third year.

 8OM   2003    ADEQUATE STAND/MINIMUM REQUIRED for living plants per square foot after the
               year of establishment:  Type Alfalfa - Adequate stand (Alfalfa plants per
               square foot) 3.0 the first year; 2.0 the second year; 1.5 the third through
               fifth year.

 8ON   2003    Acreage of alfalfa will not be insurable the seventh and succeeding crop years
               after the year of establishment.

 8OP   2003    ADEQUATE STAND/MINIMUM REQUIRED living plants per square foot after the year of
               establishment:  Type Alfalfa:  Adequate stand (Alfalfa plants per square foot):
                8.0 the first year; 5.3 the second year; 4.0 the third through sixth year.

 8OQ   2000    ADEQUATE STAND/MINIMUM REQUIRED living plants per square foot after the year of
               establishment:  Type Alfalfa - Adequate stand (Alfalfa plants per square foot):
                6.0 the first year; 4.0 the second year; 3.0 the third through the fifth year.
                Type Alfalfa Grass Mixture - Adequate stand (Alfalfa plants per square foot)
               2.0 the first year; 1.3 the second year; 1.0 the third through seventh years.

 8OR   2000    Any acreage of alfalfa will not be insurable the fourth year and succeeding
               crop years after the year of establishment.  Any acreage of alfalfa grass
               mixture will not be insurable the sixth year and succeeding crop years
               after the year of establishment.

 8OS   2000    ADEQUATE STAND/MINIMUM REQUIRED living plants per square foot after the
               year of establishment:  Type Alfalfa - Adequate stand (Alfalfa plants
               per square foot):  9.0 the first year; 6.0 the second year; 4.5 the third
               through fifth years. Type Alfalfa Grass Mixture - Adequate stand (Alfalfa
               plants per square foot): 3.0 the first year; 2.0 the second year; 1.5 the third
               and through seventh years.


 8OT   2003    Any acreage of alfalfa will not be insurable the sixth year and succeeding crop
               years after the year of establishment.  Any acreage alfalfa grass mixture will
               not be insurable the eighth year and succeeding crop years after the year of
               establishment.

 8OU   2000    ADEQUATE STAND/MINIMUM REQUIRED living plants per square foot after the
               year of establishment:  Type Alfalfa; Practice Irrigated -
               Adequate stand (Alfalfa plants per square foot): 6.0 the first year; 4.0
               the second year; 3.0 the third through the fifth year.  Type Alfalfa
               Grass Mixture; Practice Irrigated - Adequate stand (Alfalfa plants
               per square foot): 2.0 the first year; 1.3 the second year; 1.0 the third
               through the seventh years.  Type Alfalfa; Practice Non-Irrigated - Adequate
               stand (Alfalfa plants per square foot):  4.8 the first year; 3.2 the second
               year; 2.4 the third year.  Type Alfalfa Grass Mixture; Practice Non-Irrigated -
               Adequate stand (Alfalfa plants per square foot):  1.6 the first year; 1.1 the
               second year; 0.8 the third through fifth years.

 8OV   2000    Any acreage of irrigated practice alfalfa will not be insurable the sixth year
               and succeeding crop years after the year of establishment.  Any acreage of
               irrigated practice alfalfa grass mixture will not be insurable the eighth year
               and succeeding crop years after the year of establishment.  Any acreage of
               non-irrigated practice alfalfa will not be insurable the fourth year and
               succeeding crop years after the year of establishment.  Any acreage of
               non-irrigated practice alfalfa grass mixture will not be insurable the sixth
               year and succeeding crop years after the year of establishment.

 8OW   2000    **** A pure stand of red clover or a stand of red clover and grass in which
               60 percent or more of the ground cover is red clover for acreage insured under
               the Winter Coverage Endorsement.

 8P0   2003    **** Insurable varieties in Group A:  Tablestock Whites:  LaChipper, Mainstay,
               Sebago, Superior.  Tablestock Reds:  LaRouge, Red LaSoda and all other Red
               varieties.

 8P1   2003    **** Insurable in Group B:  Russets and all chip White varieties not listed in
               Group A.

 8P2   1998     *** Insurance will attach only on potatoes planted during the period of
               October 10 - January 10.

 8P3   1998     *** Insurance will attach only on potatoes planted during the period of
               September 15 - October 15.

 8P4   1998     *** Insurance will attach only on potatoes planted during the period of
               December 1 - January 10.

 8P5   1998     *** Insurance will attach only on potatoes planted during the period of
                October 1 - January 10.

 8PH   1996    Classification 1 is applicable to all acreage unless classified
               otherwise by the Corporation.

 8PL   2003      ** NFAC - Not following another crop which was planted the previous fall.

 8PQ   2003      ** FAC - Following another crop which was planted the previous fall.

 8PS   2000    **** A pure stand of alfalfa or a stand of alfalfa and grass in which 60
               percent or more of ground cover is alfalfa for acreage NOT insured under the
               Winter Coverage Endorsement.

 8PT   2003    Insurance shall not attach on any acreage initially planted after June
               10.  Insurance shall cease on any acreage deemed destroyed if it is not
               practical to replant such acreage on or before June 10.

 8PW   1997    In determining production to be counted in the event of loss, appraisals
               will be made for any reduction in production the Corporation determines
               was the result of harvesting prior to September 1 of the crop year.

 8QY   1998      ** Spring Transplanting Period - March 10 through April 15.

 8R0   1999    Subparagraph 11 (d) (3) (ii) of the Small Grains Crop Provisions does not
               apply. In lieu of the provisions in paragraph 11(d) (4) of the Small Grains
               Crop Provisions, rye production that has a musty, sour, or commercially
               objectionable foreign odor (except smut or garlic odor) or that is
               otherwise eligible for quality adjustment, as specified in paragraphs 11
               (d) (2) and (3) of such provisions, will be reduced as follows:

               The Quality Adjustment (QA) Factor is 1.000 minus the sum of the applicable
               Discount Factors (DF) below (expressed as three-place decimals). No other
               quality factors will be considered in determining production to count. The
               QA Factor (not less than zero) will be multiplied by the number of bushels
               remaining after any reduction due to excessive moisture (in accordance with
               the Small Grains Crop Provisions) to determine the net production to
               count. Any grain which, due to insurable causes, has zero market value (net
               zero market value after consideration of additional costs to deliver
               damaged grain to a market of reasonable distance outside your local
               marketing area) will not be considered production to count if the
               production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for
               the respective types and levels of damage.  Additional costs to deliver
               grain outside your local market will be allowed only for types and levels
               of damage included in section 6.


               1  Rye will be discounted for low test weight as follows:

               Test Weight Pounds  DF  Test Weight Pounds  DF   Test Weight Pounds   DF
                  52 and above    None    47-47.99        .079     42-42.99         .142
                  51-51.99        .029    46-46.99        .092     41-41.99         .155
                  50-50.99        .042    45-45.99        .105     40-40.99         .167
                  49-49.99        .054    44-44.99        .117   Below 40 - See Section 6
                  48-48.99        .067    43-43.99        .130

               2  Rye will be discounted for excessive kernel damage (excluding heat
               damage) as follows:

                  Kernel Damage %  DF   Kernel Damage %   DF   Kernel Damage %    DF
                    7 and below   None    16.01-17       .310    26.01-27        .477
                    7.01-8        .100    17.01-18       .326    27.01-28        .494
                    8.01-9        .126    18.01-19       .343    28.01-29        .510
                    9.01-10       .151    19.01-20       .360    29.01-30        .527
                   10.01-11       .176    20.01-21       .377    30.01-31        .544
                   11.01-12       .201    21.01-22       .393    31.01-32        .561
                   12.01-13       .226    22.01-23       .410    32.01-33        .577
                   13.01-14       .251    23.01-24       .427    33.01-34        .594
                   14.01-15       .276    24.01-25       .444    34.01-35        .611
                   15.01-16       .293    25.01-26       .460 Above 35 - See Section 6

               3  Rye will be discounted for percent Ergot as follows:

                   Ergot Percent     DF   Ergot Percent   DF    Ergot Percent    DF
                    0.30 and below  None   0.81-0.90     .050    1.41-1.50      .100
                    0.31-0.40       .008   0.91-1.00     .059    1.51-1.60      .109
                    0.41-0.50       .017   1.01-1.10     .067    1.61-1.70      .117
                    0.51-0.60       .025   1.11-1.20     .075    1.71-1.80      .126
                    0.61-0.70       .033   1.21-1.30     .084    1.81-1.90      .134
                    0.71-0.80       .042   1.31-1.40     .092    1.91-2.00      .142
                                                            Above 2.00 - See Section 6

 8R1   1999    4  Rye will be discounted for percent thin rye as follows:

                    Thin Rye %     DF   Thin Rye %    DF    Thin Rye %      DF
                     25 and below None   49.01-50    .176    75.01-76      .285
                     25.01-26     .075   50.01-51    .180    76.01-77      .289
                     26.01-27     .079   51.01-52    .184    77.01-78      .293
                     27.01-28     .084   52.01-53    .188    78.01-79      .297
                     28.01-29     .088   53.01-54    .192    79.01-80      .301
                     29.01-30     .092   54.01-55    .197    80.01-81      .305
                     30.01-31     .096   55.01-56    .201    81.01-82      .310
                     31.01-32     .100   56.01-57    .205    82.01-83      .314
                     32.01-33     .105   57.01-58    .209    83.01-84      .318
                     33.01-34     .109   58.01-59    .213    84.01-85      .322
                     34.01-35     .113   59.01-60    .218    85.01-86      .326
                     35.01-36     .117   60.01-61    .222    86.01-87      .331
                     36.01-37     .121   61.01-62    .226    87.01-88      .335
                     37.01-38     .126   62.01-63    .230    88.01-89      .339
                     38.01-39     .130   63.01-64    .234    89.01-90      .343
                     39.01-40     .134   64.01-65    .238    90.01-91      .347
                     40.01-41     .138   65.01-66    .243    91.01-92      .351
                     41.01-42     .142   66.01-67    .247    92.01-93      .356
                     42.01-43     .146   67.01-68    .251    93.01-94      .360
                     43.01-44     .151   68.01-69    .255    94.01-95      .364
                     44.01-45     .155   69.01-70    .259    95.01-96      .368
                     45.01-46     .159   70.01-71    .264    96.01-97      .372
                     46.01-47     .163   71.01-72    .268    97.01-98      .377
                     47.01-48     .167   72.01-73    .272    98.01-99      .381
                     48.01-49     .172   73.01-74    .276    99.01-100     .385
                                         74.01-75    .280

               5  Rye will be discounted for a garlicky or smutty grade as follows:

                     Garlicky =  .021      Smutty =  .042

               6  Rye with (A) a test weight below 40 pounds per bushel; (B) a kernel
               damage percentage above 35 percent; (C) an ergot percentage above 2
               percent; (D) a musty, sour, or commercially objectionable foreign
               odor (except smut or garlic odor); and/or (E) the presence of substances
               or conditions identified by the Food and Drug Administration or other
               public health organizations of the United States as injurious to human
               or animal health; may be allowed a discount factor. To determine the
               Discount Factor, the reduction in value (RIV) caused by the deficiencies,
               substances, or conditions allowed in (A), (B), (C), (D), and/or (E) will
               be determined and the total will be divided by the Posted County Price
               (PCP)*. The RIV will not include any price reduction resulting from any
               Discount Factors that are included in sections 1, 2, 3, 4, and 5.

               A  The RIV's specified in section 6 will be limited to those that are
               usual, customary, and reasonable.  If the RIV can be decreased by con-
               ditioning the production, the RIV after conditioning may be increased
               by the cost of conditioning, provided that the resulting RIV does not
               exceed the RIV before conditioning.  No RIV will be accepted if it is due
               to (1) moisture content; (2) damage due to uninsured causes; or, (3)
               drying, handling, processing, or any other costs associated with normal
               harvesting, handling, and marketing of the production.

 8R2   1999    B  RIV's used will be those in the local market area in which you normally
               market the crop, to the extent feasible. If the RIV for a buyer
               located outside your local market area is less than the RIV in your
               local market area, then the RIV may be increased by the additional
               costs required to deliver the production to the buyer, provided that
               the resulting RIV does not exceed the RIV in your local market area.
               If the damaged production has been sold, the Discount Factor will be
               based upon the RIV's applied by the buyer unless it is determined
               that such RIV's are not usual, customary, and reasonable.

               C  For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such production
               in a manner which establishes a value.  In such cases, the value we agree
               to will be utilized in accordance with our approved procedures to determine
               the RIV for quality adjustment purposes according to section 6 herein.

               D  The RIV's and PCP will be those in effect on the earlier of the date
               such quality-adjusted production is sold or the date of final inspection
               for the unit.

               *  "Posted County Price (PCP)" is the price established by the Commodity
               Credit Corporation (CCC) for rye in the county shown on your
               application. If multiple counties are shown on your application, it is
               the county in which the insured unit is located. If the CCC
               discontinues establishing PCP's for the county, the PCP will be the
               Local Market Price as defined in the Small Grains Crop Provisions.

 8R9   1998    The Producer Premium Percentage Table T1.9 applies to this crop.

 8RA   1998      *** Insurance will attach only on potatoes planted during the period of
               January 1 - February 25.

 8RB   2003    Nematode damage will not be an insurable cause of loss unless a
               recommended preplant nematocide treatment of the soil is administered
               for the current crop year.

 8RH   1998      ** Fall Direct Seeding Period - July 10 through September 15.

 8RI   1998      ** Fall Transplanting Period - August 10 through October 15.

 8RJ   1998      ** Winter Direct Seeding Period - September 16 through November 15.

 8RK   1998      ** Winter Transplanting Period - October 16 through December 15.

 8RL   1998      ** Spring Direct Seeding Period - November 16 through December 31.

 8RM   1998      ** Spring Transplanting Period - December 16 through January 31.

 8RN   2003    * Direct seeded acreage will not be insurable.

 8RR   1997    The dollar amount of insurance per ton will be determined by multiplying the
               percentage for the coverage level elected by the reference maximum dollar
               amount, and rounding the result to the next highest whole dollar not to exceed
               $802.

 8RT   2003    Insurance will not attach on any acreage of spring planted tomatoes
               planted prior to January 15 in rate area C, without a crop inspection on
               or after that date showing there is no damage to the crops.  The results
               of the crop inspection will be placed in, and become part of, the
               official file.

 8RW   2003      ** Insurance will not attach on any acreage of spring planted peppers
               planted prior to January 15 in rate area C, without a crop inspection on
               or after that date showing there is no damage to the crop.  The results
               of the crop inspection will be placed in, and become part of,
               the official file.

 8SC   1998      ** Fall Planting Period - July 15 through October 15.

 8SD   1998      ** Winter Planting Period - October 16 through January 15.

 8SE   1998      ** Spring Planting Period - January 16 through March 15.

 8SH   1996    Classification 001 applies to all bearing apple acreage north of
               interstate 10 (ten).
               Classification 002 applies to all bearing apple acreage south of
               interstate 10 (ten).

 8SL   2001    **** Apple acreage on which a Fresh Fruit Option is not in effect.

 8SM   1997     *** Insurance will attach only on potatoes planted during the period of
               October 1 - January 10.

 8SQ   2003      ** Insurance will attach only on potatoes planted during the period of
               December 1 - February 28.

 8SR   1996      ** Insurance will attach only on potatoes planted during the period of
               July 1 - August 15.

 8SS   2003    A minimum of sixteen (16) live plants per square foot will be considered to be
               a normal stand for loss adjustment purposes

 8SW   2003    The weight of bins or boxes is established by the first
               handler (packing house or processor) and should be specified on the
               records or settlement sheet.


 8T1   1998    The Producer Premium Table T1.11 applies to this crop

 8T6   2003    The END OF INSURANCE DATES for specific types are as follows:

                                 TYPE                                        END OF INSURANCE
               DATE

               Perlette                                                             June 15
               Exotic, Flame Seedless                                               July 15
               Superior Seedless, Thompson Seedless                                 July 15
               Christmas Rose, Crimson Seedless, Emperor, Red Globe, Ribier         July 31
               Ruby Seedless, All Others                                            July 31

 8T7   2003    The END OF INSURANCE DATES for specific types are as follows:

                         TYPE                                        END OF INSURANCE DATE

               Perlette                                                   August 1
               Exotic, Superior Seedless                                  August 31
               Flame Seedless, Thompson Seedless                          September 15
               Ribier, Ruby Seedless                                      October 15
               Christmas Rose, Crimson Seedless                           October 31
               Emperor, Red Globe, All Others                             October 31

 8TB   1999    TERRITORY:



               TERRITORY 01 - Hardiness Zones 1 - 6



               TERRITORY 02 - Hardiness Zones 7 - 8



               TERRITORY 03 - Hardiness Zones 9 - 11


 8TC   2003    Insurance will not attach to any acreage on which potatoes were
               planted the preceding crop year; however, potatoes will be insurable
               any two of the first three years on land that has not been previously
               planted to potatoes.

 8TF   2003    White Mold disease is not an insurable cause of loss on any acreage on
               which dry beans, sunflowers, soybeans, green peas or vegetable crops
               have been planted in either of the two preceding crop years.

 8TG   2003    The END OF INSURANCE DATES for specific types are as follows:

                         TYPE                                        END OF INSURANCE DATE

               Flame Seedless                                             September 15
               Tokay/Flame Tokay                                          October 15
               All Others                                                 October 31

 8TO   2003    The END OF INSURANCE DATES for specific types are as follows:

                         TYPE                                        END OF INSURANCE DATE

               Perlette                                                   July 15
               Christmas Rose, Crimson Seedless, Emperor, Exotic          July 31
               Flame Seedless, Red Globe, Ribier, Ruby Seedless           July 31
               Superior Seedless, Thompson Seedless, All Others           July 31

 8UJ   2003    Insurance will not attach to any acreage on which potatoes or
               sunflowers were planted the preceding crop year.

 8UN   2003    **** Early season includes varieties planted prior to May 16th.

 8UP   2003    **** Late season includes varieties planted after May 15th and prior to
               June 11th.

 8UV   2003    Grade #4, Leaf 4, 1 3/8 inch staple length and 3.5 micronaire reading
               shall be used for quality adjustments in accordance with the provisions
               of the insurance policy.

 8UZ   2003    Frost or freeze is not an insurable cause of loss after October 5.

 8VF   1997    **** Insurable varieties for Group A:  Kennebec, Green Mountain,
               Bake King, Superior, and Alaska 114.

 8VH   2003    Any loss of production due to scab will not be an insurable cause
               of loss on any land with prior history of scab.

 8VK   2003    For irrigated practices, classification 002 is applicable to all
               producers unless classified otherwise by the Corporation.

 8VL   2003    Bacterial blight diseases are not an insurable cause of loss on any
               acreage on which dry beans, soybeans, or sunflowers have been planted
               in the preceding crop year.

 8W    1999    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the applicable
               Discount Factors (DF) below (expressed as three-place decimals). No other
               quality factors will be considered in determining production to count. The
               QA Factor (not less than zero) will be multiplied by the number of bushels
               remaining after any reduction due to excessive moisture to determine the net
               production to count.  Any grain which, due to insurable causes, has zero market
               value (net zero market value after consideration of additional costs to deliver
               damaged grain to a market of reasonable distance outside your local marketing
               area) will not be considered production to count if the production is
               destroyed.  Production that is not destroyed in a manner acceptable to us
               will be adjusted in accordance with the rules below for the respective types
               and levels of damage.  Additional costs to deliver grain outside your local
               market will be allowed only for types and levels of damage included in
               section 5.

               1  Soft Red Winter wheat will be discounted for low test weight as follows:

               Test Weight Pounds  DF    Test Weight Pounds  DF   Test Weight Pounds  DF
                  54 and above    None       45-45.99       .254      37-37.99       .322
                    53-53.99      .102       44-44.99       .262      36-36.99       .331
                    52-52.99      .130       43-43.99       .271      35-35.99       .339
                    51-51.99      .158       42-42.99       .280      34-34.99       .348
                    50-50.99      .181       41-41.99       .288      33-33.99       .357
                    49-49.99      .205       40-40.99       .297      32-32.99       .365
                    48-48.99      .228       39-39.99       .305      31-31.99       .374
                    47-47.99      .237       38-38.99       .314      30-30.99       .382
                    46-46.99      .245                           Below 30 - See Section 5

               2  Wheat (all classes except Soft Red Winter) will be discounted for low
               test weight as follows:

               Test Weight Pounds  DF    Test Weight Pounds  DF   Test Weight Pounds  DF
                  54 and above    None       45-45.99       .090      37-37.99       .150
                    53-53.99*     .035       44-44.99       .097      36-36.99       .157
                    52-52.99      .041       43-43.99       .105      35-35.99       .165
                    51-51.99      .048       42-42.99       .112      34-34.99       .172
                    50-50.99      .056       41-41.99       .120      33-33.99       .180
                    49-49.99      .062       40-40.99       .127      32-32.99       .187
                    48-48.99      .069       39-39.99       .135      31-31.99       .195
                    47-47.99      .076       38-38.99       .142      30-30.99       .202
                    46-46.99      .083                           Below 30 - See Section 5

               * Not applicable to Hard Red Spring wheat and White Club wheat.

               3   Wheat (all classes) will be discounted for excessive defects (excluding
               foreign material and heat damage) as follows:

                       Defects %       DF        Defects %     DF      Defects %    DF
                     10 and below    None       18.01-19      .084     27.01-28    .133
                       10.01-11**    .044       19.01-20      .089     28.01-29    .138
                       11.01-12**    .049       20.01-21      .095     29.01-30    .144
                       12.01-13      .053       21.01-22      .100     30.01-31    .152
                       13.01-14      .058       22.01-23      .106     31.01-32    .160
                       14.01-15      .062       23.01-24      .111     32.01-33    .168
                       15.01-16      .067       24.01-25      .116     33.01-34    .176
                       16.01-17      .073       25.01-26      .122     34.01-35    .185
                       17.01-18      .078       26.01-27      .127 Above 35 -See Section 5

               ** Applicable only to kernel damage (excluding heat damage)

 8W0   1999    4  Wheat (all classes) will be discounted for a light smutty or smutty
                  grade as follows:
                                        Light smutty = .022   Smutty =  .043

               5  Wheat with (A) a test weight below 30 pounds per bushel; (B) a defects
               *** percentage above 35 percent; (C) a garlicky or ergoty grade; (D) a
               musty, sour, or commercially objectionable foreign odor (except smut odor);
               and/or (E) the presence of substances or conditions identified by the
               Food and Drug Administration or other public health organizations of the
               United States as injurious to human or animal health; may be allowed a
               discount factor. To determine the Discount Factor, the reduction in
               value (RIV) caused by the deficiencies, substances, or conditions
               allowed in (A), (B), (C), (D), and/or (E) will be determined and the
               total will be divided by the Posted County Price (PCP)****. The RIV will
               not include any price reduction resulting from any Discount Factors that
               are included in sections 1, 2, 3, and 4.

               *** For quality adjustment purposes, defects (excluding foreign material
               and heat damage) consist of kernel damage and shrunken and broken kernels.
               In no event will a Discount Factor be allowed for kernel damage (excluding
               heat damage) and/or shrunken and broken kernels, in addition to defects.

               A  The RIV's specified in section 5 will be limited to those that are
               usual, customary, and reasonable.  If the RIV can be decreased by con-
               ditioning the production, the RIV after conditioning may be increased by
               the cost of conditioning, provided that the resulting RIV does not exceed
               the RIV before conditioning.  No RIV will be accepted if it is due to
               (1) moisture content; (2) damage due to uninsured causes; or (3) drying,
               handling, processing, or any other costs associated with normal harvesting,
               handling, and marketing of the production.

               B  RIV's used will be those in the local market area in which you
               normally market the crop, to the extent feasible. If the RIV for a
               buyer located outside your local market area is less than the RIV in
               your local market area, then the RIV may be increased by the additional
               costs required to deliver the production to the buyer, provided that
               the resulting RIV does not exceed the RIV in your local market area. If
               the damaged production has been sold, the Discount Factor will be based
               upon the RIV's applied by the buyer unless it is determined that such
               RIV's are not usual, customary, and reasonable.

               C  For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such production
               in a manner which establishes a value.  In such cases, the value we agree
               to will be utilized in accordance with our approved procedures to determine
               the RIV for quality adjustment purposes according to section 5 herein.

               D  The RIV's and PCP will be those in effect on the earlier of the date
               such quality-adjusted production is sold or the date of final
               INSPECTION FOR THE UNIT.

               **** "Posted County Price (PCP)" is the price established by the Commodity
               Credit Corporation (CCC) in the county shown on your application, for the
               insured wheat class. If multiple counties are shown on your application,
               it is the county in which the insured unit is located. If the CCC
               discontinues establishing PCP's for the county, the PCP will be the Local
               Market Price as defined in the CRC Wheat Crop Provisions.

 8W1   1999    Subparagraph 11(d) (3) (ii) of the Small Grains Crop Provisions does not
               apply. In lieu of the provisions in paragraph 11(d) (4) of the Small Grains
               Crop Provisions, wheat production that has a musty, sour, or commercially
               objectionable foreign odor (except smut odor) or that is otherwise eligible
               for quality adjustment, as specified in paragraphs 11(d) (2) and (3) of
               such provisions, will be reduced as follows:

               The Quality Adjustment (QA) Factor is 1.000 minus the sum of the applicable
               Discount Factors (DF) below (expressed as three-place decimals). No other
               quality factors will be considered in determining production to count. The
               QA Factor (not less than zero) will be multiplied by the number of bushels
               remaining after any reduction due to excessive moisture (in accordance with
               the Small Grains Crop Provisions) to determine the net production to count.
               Any grain which, due to insurable causes, has zero market value (net zero
               market value after consideration of additional costs to deliver damaged
               grain to a market of reasonable distance outside your local marketing
               area) will not be considered production to count if the production is
               destroyed.  Production that is not destroyed in a manner acceptable to us
               will be adjusted in accordance with the rules below for the respective types
               and levels of damage.  Additional costs to deliver grain outside your local
               market will be allowed only for types and levels of damage included in
               section 5.

               1  Soft Red Winter wheat will be discounted for low test weight as follows:

               Test Weight Pounds  DF    Test Weight Pounds  DF   Test Weight Pounds  DF
                  54 and above    None       45-45.99       .254      37-37.99       .322
                    53-53.99      .102       44-44.99       .262      36-36.99       .331
                    52-52.99      .130       43-43.99       .271      35-35.99       .339
                    51-51.99      .158       42-42.99       .280      34-34.99       .348
                    50-50.99      .181       41-41.99       .288      33-33.99       .357
                    49-49.99      .205       40-40.99       .297      32-32.99       .365
                    48-48.99      .228       39-39.99       .305      31-31.99       .374
                    47-47.99      .237       38-38.99       .314      30-30.99       .382
                    46-46.99      .245                           Below 30 - See Section 5

               2  Wheat (all classes except Soft Red Winter) will be discounted for low
               test weight as follows:

               Test Weight Pounds  DF    Test Weight Pounds  DF   Test Weight Pounds  DF
                  54 and above    None       45-45.99       .090      37-37.99       .150
                    53-53.99*     .035       44-44.99       .097      36-36.99       .157
                    52-52.99      .041       43-43.99       .105      35-35.99       .165
                    51-51.99      .048       42-42.99       .112      34-34.99       .172
                    50-50.99      .056       41-41.99       .120      33-33.99       .180
                    49-49.99      .062       40-40.99       .127      32-32.99       .187
                    48-48.99      .069       39-39.99       .135      31-31.99       .195
                    47-47.99      .076       38-38.99       .142      30-30.99       .202
                    46-46.99      .083                           Below 30 - See Section 5

               * Not applicable to Hard Red Spring wheat and White Club wheat.

               3   Wheat (all classes) will be discounted for excessive defects (excluding
               foreign material and heat damage) as follows:

                       Defects %       DF        Defects %     DF      Defects %    DF
                     10 and below    None       18.01-19      .084     27.01-28    .133
                       10.01-11**    .044       19.01-20      .089     28.01-29    .138
                       11.01-12**    .049       20.01-21      .095     29.01-30    .144
                       12.01-13      .053       21.01-22      .100     30.01-31    .152
                       13.01-14      .058       22.01-23      .106     31.01-32    .160
                       14.01-15      .062       23.01-24      .111     32.01-33    .168
                       15.01-16      .067       24.01-25      .116     33.01-34    .176
                       16.01-17      .073       25.01-26      .122     34.01-35    .185
                       17.01-18      .078       26.01-27      .127 Above 35 -See Section 5

               ** Applicable only to kernel damage (excluding heat damage)

 8W2   1999    4  Wheat (all classes) will be discounted for a light smutty or smutty
                  grade as follows:
                                        Light smutty = .022   Smutty =  .043

               5  Wheat with (A) a test weight below 30 pounds per bushel; (B) a defects
               *** percentage above 35 percent; (C) a garlicky or ergoty grade; (D) a
               musty, sour, or commercially objectionable foreign odor (except smut odor);
               and/or (E) the presence of substances or conditions identified by the
               Food and Drug Administration or other public health organizations of the
               United States as injurious to human or animal health; may be allowed a
               discount factor. To determine the Discount Factor, the reduction in
               value (RIV) caused by the deficiencies, substances, or conditions
               allowed in (A), (B), (C), (D), and/or (E) will be determined and the
               total will be divided by the Posted County Price (PCP)****. The RIV will
               not include any price reduction resulting from any Discount Factors that
               are included in sections 1, 2, 3, and 4.

               *** For quality adjustment purposes, defects (excluding foreign material
               and heat damage) consist of kernel damage and shrunken and broken kernels.
               In no event will a Discount Factor be allowed for kernel damage (excluding
               heat damage) and/or shrunken and broken kernels, in addition to defects.

               A  The RIV's specified in section 5 will be limited to those that are
               usual, customary, and reasonable.  If the RIV can be decreased by con-
               ditioning the production, the RIV after conditioning may be increased by
               the cost of conditioning, provided that the resulting RIV does not exceed
               the RIV before conditioning.  No RIV will be accepted if it is due to
               (1) moisture content; (2) damage due to uninsured causes; or (3) drying,
               handling, processing, or any other costs associated with normal harvesting,
               handling, and marketing of the production.

               B  RIV's used will be those in the local market area in which you
               normally market the crop, to the extent feasible. If the RIV for a
               buyer located outside your local market area is less than the RIV in
               your local market area, then the RIV may be increased by the additional
               costs required to deliver the production to the buyer, provided that
               the resulting RIV does not exceed the RIV in your local market area. If
               the damaged production has been sold, the Discount Factor will be based
               upon the RIV's applied by the buyer unless it is determined that such
               RIV's are not usual, customary, and reasonable.

               C  For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such production
               in a manner which establishes a value.  In such cases, the value we agree
               to will be utilized in accordance with our approved procedures to determine
               the RIV for quality adjustment purposes according to section 5 herein.

               D  The RIV's and PCP will be those in effect on the earlier of the date
               such quality-adjusted production is sold or the date of final
               INSPECTION FOR THE UNIT.

               **** "Posted County Price (PCP)" is the price established by the Commodity
               Credit Corporation (CCC) in the county shown on your application, for the
               insured wheat class. If multiple counties are shown on your application,
               it is the county in which the insured unit is located. If the CCC
               discontinues establishing PCP's for the county, the PCP will be the Local
               Market Price as defined in the Small Grains Crop Provisions.

 8W3   1999    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the applicable
               Discount Factors (DF) below (expressed as three-place decimals).  No other
               quality factors will be considered in determining production to count.  The
               QA Factor (not less than zero) will be multiplied by the number of bushels
               remaining after any reduction due to excessive moisture to determine the
               net production to count. Any grain which, due to insurable causes, has zero
               market value (net zero market value after consideration of additional costs
               to deliver damaged grain to a market of reasonable distance outside your
               local marketing area) will not be considered production to count if the
               production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for
               the respective types and levels of damage.  Additional costs to deliver
               grain outside your local market will be allowed only for types and levels
               of damage included in section 5.

               1  Soft Red Winter wheat will be discounted for low test weight as follows:

               Test Weight Pounds  DF  Test Weight Pounds  DF  Test Weight Pounds  DF
                  54 and above    None    45-45.99        .254    37-37.99        .322
                   53-53.99       .102    44-44.99        .262    36-36.99        .331
                   52-52.99       .130    43-43.99        .271    35-35.99        .339
                   51-51.99       .158    42-42.99        .280    34-34.99        .348
                   50-50.99       .181    41-41.99        .288    33-33.99        .357
                   49-49.99       .205    40.40.99        .297    32-32.99        .365
                   48-48.99       .228    39-39.99        .305    31-31.99        .374
                   47-47.99       .237    38-38.99        .314    30-30.99        .382
                   46-46.99       .245                         Below 30 - See Section 5

               2  Wheat (all classes except Soft Red Winter) will be discounted for low
               test weight as follows:

               Test Weight Pounds   DF   Test Weight Pounds   DF   Test Weight Pounds   DF
                  54 and above     None      45-45.99        .090      37-37.99       .150
                    53-53.99*      .035      44-44.99        .097      36-36.99       .157
                    52-52.99       .041      43-43.99        .105      35-35.99       .165
                    51-51.99       .048      42-42.99        .112      34-34.99       .172
                    50-50.99       .056      41-41.99        .120      33-33.99       .180
                    49-49.99       .062      40-40.99        .127      32-32.99       .187
                    48-48.99       .069      39-39.99        .135      31-31.99       .195
                    47-47.99       .076      38-38.99        .142      30-30.99       .202
                    46-46.99       .083                           Below 30 - See Section 5

               *  Not applicable to Hard Red Spring wheat and White Club wheat.

               3  Wheat (all classes) will be discounted for excessive defects (excluding
               foreign material and heat damage) as follows:

                       Defects %     DF      Defects %   DF     Defects %       DF
                     10 and below   None    18.01-19    .084    27.01-28       .133
                      10.01-11**    .044    19.01-20    .089    28.01-29       .138
                      11.01-12**    .049    20.01-21    .095    29.01-30       .144
                      12.01-13      .053    21.01-22    .100    30.01-31       .152
                      13.01-14      .058    22.01-23    .106    31.01-32       .160
                      14.01-15      .062    23.01-24    .111    32.01-33       .168
                      15.01-16      .067    24.01-25    .116    33.01-34       .176
                      16.01-17      .073    25.01-26    .122    34.01-35       .185
                      17.01-18      .078    26.01-27    .127    Above 35 - See Section 5

               ** Applicable only to kernel damage (excluding heat damage).

 8W4   1999    4  Wheat (all classes) will be discounted for a light smutty or smutty
                  grade as follows:
                                    Light smutty = .022     Smutty = .043

               5  Wheat with (A) a test weight below 30 pounds per bushel; (B) a defects
               *** percentage above 35 percent; (C) a garlicky or ergoty grade; (D) a
               musty, sour, or commercially objectionable foreign odor (except smut odor);
               and/or (E) the presence of substances or conditions identified by the
               Food and Drug Administration or other public health organizations of the
               United States as injurious to human or animal health; may be allowed a
               discount factor.  To determine the Discount Factor, the reduction in value
               (RIV) caused by the deficiencies, substances, or conditions allowed in (A),
               (B), (C), (D), and/or (E) will be determined and the total will be divided
               by the Posted County Price (PCP)****.  The RIV will not include any price
               reduction resulting from any Discount Factors that are included in sections
               1, 2, 3, and 4.

               *** For quality adjustment purposes, defects (excluding foreign material
               and heat damage) consist of kernel damage and shrunken and broken kernels.
               In no event will a Discount Factor be allowed for kernel damage (excluding
               heat damage) and/or shrunken and broken kernels, in addition to defects.

               A  The RIV's specified in section 5 will be limited to those that are
               usual, customary, and reasonable.  If the RIV can be decreased by con-
               ditioning the production, the RIV after conditioning may be increased by
               the cost of conditioning, provided that the resulting RIV does not exceed
               the RIV before conditioning. No RIV will be accepted if it is due to
               (1) moisture content; (2) damage due to uninsured causes; or (3) drying,
               handling, processing, or any other costs associated with normal harvesting,
               handling, and marketing of the production.

               B  RIV's used will be those in the local market area in which you
               normally market the crop, to the extent feasible.  If the RIV for a
               buyer located outside your local market area is less than the RIV in
               your local market area, then the RIV may be increased by the additional
               costs required to deliver the production to the buyer, provided that
               the resulting RIV does not exceed the RIV in your local market area.  If
               the damaged production has been sold, the Discount Factor will be based
               upon the RIV's applied by the buyer unless it is determined that such
               RIV's are not usual, customary, and reasonable.

               C  For production we determine has no value in and outside your local market
               area, you may offer a value or may intend to utilize such production in a
               manner which establishes a value.  In such cases, the value we agree to will be
               utilized in accordance with our approved procedures to determine the RIV for
               quality adjustment purposes according to section 5 herein.

               D  The RIV's and PCP will be those in effect on the earlier of the date
               such quality-adjusted production is sold or the date of final
               INSPECTION FOR THE UNIT.

               **** "Posted County Price (PCP)" is the price established by the Commodity
               Credit Corporation (CCC) in the county shown on your application, for the
               insured wheat class.  If multiple counties are shown on your application,
               it is the county in which the insured unit is located.  If the CCC
               discontinues establishing PCP's for the county, the PCP will be the Local
               Market Price.

 8WA   2003    Frost or freeze is not an insurable cause of loss after October 10.

 8WB   2003    Frost or freeze is not an insurable cause of loss after October 15.

 8WC   2003    Frost or freeze is not an insurable cause of loss after October 20.

 8WD   2003    Frost or freeze is not an insurable cause of loss after September 25.

 8WE   2003    Frost or freeze is not an insurable cause of loss after September 30.

 8X8   2003      ** SPP - Single Planting Period of which 80 percent or more of the total
               insurable snap bean acreage is planted either (1) before June 26 or (2)
               after June 25.

 8X9   2003      ** DPP - Dual Planting Period of which less than 80 percent of the total
               insurable snap bean acreage is planted either (l) before June 26 or (2)
               after June 25.

 8XR   1996    Group A price elections will apply to all grapes grown in the county.

 8YA   1997    In determining production to be counted in the event of loss,
               appraisals will be made from unharvested representative sample(s) for
               any reduction in production the Corporation determines was
               the result of harvesting prior to August 15 of the crop year.

 8YH   2003    If any production from any unit will be marketed directly to the consumer
               and/or production cannot be determined by the earlier of being placed in
               storage or the time of delivery to a buyer, a preharvest crop appraisal is
               required.  Notification to us must be given at least 15 days before harvest
               begins.

 8YL   2003    **** Includes Italian (Romano) varieties.

 8YM   2003    **** Includes all snap beans not included in Group A.

 8YQ   2003    Frost or freeze is not an insurable cause of loss after October 31.

 8ZN   2003      ** Applicable to insurable acreage planted before June 26.

 8ZP   2003      ** Applicable to insurable acreage planted after June 25.

 8ZZ   2003    Only one price election percentage will be applicable for all potato types
               insured under one potato policy.  For example, if you elect a price election
               for one type equal to 80% of the established price, the price election
               applicable for other potato types must also be 80% of the established price.

               In the event of loss or damage on a unit for which more than one price
               election is applicable, we will settle your claim by:
               (a)  Multiplying the insured acreage of each type (161/261) by the
                    production guarantee;
               (b)  Multiplying each result by the price election for the applicable type;
               (c)  Adding these dollar values;
               (d)  Multiplying the production to count of each type by the price election
                    for that type;
               (e)  Adding these dollar values;
               (f)  Subtracting the result of step (e) from the result of step (c); and,
               (g)  Multiplying the result by your share.

 901   1997    EARLIEST PLANTING DATE IS 25 DAYS PRIOR TO THE FINAL PLANTING DATE.

 902   1997    EARLIEST PLANTING DATE IS 30 DAYS PRIOR TO THE FINAL PLANTING DATE.

 904   1997    EARLIEST PLANTING DATE IS 40 DAYS PRIOR TO THE FINAL PLANTING DATE.

 905   1997    EARLIEST PLANTING DATE IS 45 DAYS PRIOR TO THE FINAL PLANTING DATE.

 906   1997    EARLIEST PLANTING DATE IS 50 DAYS PRIOR TO THE FINAL PLANTING DATE.

 907   1997    EARLIEST PLANTING DATE IS 55 DAYS PRIOR TO THE FINAL PLANTING DATE.

 908   2003    EARLIEST PLANTING DATE IS 60 DAYS PRIOR TO THE FINAL PLANTING DATE.

 909   2003    EARLIEST PLANTING DATE IS 75 DAYS PRIOR TO THE FINAL PLANTING DATE.

 90Z   2003    The final planting date for transplanted onions will be January 25.

 910   2003    EARLIEST PLANTING DATE IS 90 DAYS PRIOR TO THE FINAL PLANTING DATE.

 912   1997    EARLIEST PLANTING DATE IS 120 DAYS PRIOR TO THE FINAL PLANTING DATE.

 914   1997    EARLIEST PLANTING DATE IS 150 DAYS PRIOR TO THE FINAL PLANTING DATE.

 915   1997          THE END OF INSURANCE FOR WASHINGTON-WALLA WALLA SWEETS AND
                     ANY OTHER NON-STORAGE TYPE ONION IS JULY 31.

 916   1997    EARLIEST PLANTING DATE IS 20 DAYS PRIOR TO THE FINAL PLANTING DATE.

 917   1997    EARLIEST PLANTING DATE IS 65 DAYS PRIOR TO THE FINAL PLANTING DATE.

 940   2002    TOWNSHIPS AND RANGES SOUTH OF TOWNSHIP 9 SOUTH WILL HAVE A FINAL PLANTING
               DATE OF 03/31 AND AN ACREAGE REPORTING DATE OF 04/15.

 943   2003    LAND BELOW 4,000 FT IN ELEVATION WILL HAVE A FINAL PLANTING DATE OF
               APRIL 15.

 946   2003         THE COACHELLA VALLEY OF RIVERSIDE COUNTY WILL HAVE A
                    FINAL PLANTING DATE OF 04/30.

 949   2003    LAND ABOVE 4,000 FT IN ELEVATION WILL HAVE A FINAL PLANTING DATE OF
               NOVEMBER 15.

 950   2003    LAND BELOW 4,000 FEET IN ELEVATION WILL HAVE A FINAL PLANTING DATE OF
               APRIL 15.

 951   2003    LAND ABOVE 4,000 FT IN ELEVATION WILL HAVE A FINAL PLANTING DATE OF OCTOBER
               31.

 955   1997
                     THE END OF INSURANCE DATES FOR SPECIFIC VARIETIES ARE
                     AS FOLLOWS:

                           VARIETY                  END OF
                                                INSURANCE DATE

                     PERLETTE                      JUNE 15
                     FLAME SEEDLESS                JULY 15
                     ALL OTHERS                    JULY 31

 956   2003
                    END OF INSURANCE PERIOD WILL BE AS DETERMINED BY US.

 957   1997
                    THE END OF INSURANCE DATES FOR SPECIFIC VARIETIES ARE
                    AS FOLLOWS:

                                                       END OF
                                VARIETY            INSURANCE DATE

                        BEAUTY SEEDLESS, PERLETTE      JULY 15
                        ALL OTHERS                     JULY 31

 958   1997
                    THE END OF INSURANCE DATES FOR SPECIFIC VARIETIES ARE
                    AS FOLLOWS:

                                  VARIETY                         END OF
                                                              INSURANCE DATE

                    PERLETTE, CARDINAL                         AUGUST 15
                    EXOTIC, FLAME SEEDLESS, SUPERIOR SEEDLESS  AUGUST 31
                    RED MALAGA, QUEEN, THOMPSON SEEDLESS       SEPTEMBER 15
                    BLACK ROSE, ITALIA                         SEPTEMBER 30
                    WHITE MALAGA, RIBIER, RUBY SEEDLESS        OCTOBER 15
                    ALL OTHERS                                 OCTOBER 31

 959   1997
                    THE END OF INSURANCE DATES FOR SPECIFIC VARIETIES ARE
                    AS FOLLOWS:

                                                    END OF
                              VARIETY           INSURANCE DATE

                         FLAME SEEDLESS          SEPTEMBER 15
                         THOMPSON SEEDLESS       SEPTEMBER 30
                         FLAME TOKAY, RIBIER     OCTOBER 15
                         ALL OTHERS              OCTOBER 31

 962   2001    ACREAGE PLANTED IN APRIL OR MAY MUST BE REPORTED BY JUNE 15.

 971   2003    LAND NORTH OF INTERSTATE 90 WILL HAVE A FINAL PLANTING DATE OF
               APRIL 30.

 974   2003    LAND WEST OF ROCK CREEK WILL HAVE A FINAL PLANTING DATE OF
               MAY 15.

 976   2003    LAND NORTH OF HIGHWAY 2 WILL HAVE A FINAL PLANTING DATE OF
               MAY 15.

 977   2003    LAND SOUTH OF HIGHWAY 2 AND WEST OF HIGHWAY 195 WILL HAVE A
               FINAL PLANTING DATE OF APRIL 30.

 978   2003    LAND NORTH OF HIGHWAY 23 AND EAST OF HIGHWAY 195 WILL HAVE A FINAL
               PLANTING DATE OF MAY 15.

 97G   1996    Grass mixture type will include any stand of forage in which Timothy
               grass comprises 55 to 99.9 percent of the ground cover, and the
               remaining will be clover and/or alfalfa of which alfalfa comprises
               less than 25 percent of the ground cover.

 980   2003    LAND WEST OF HIGHWAY 97 WILL HAVE A FINAL PLANTING DATE OF MAY 15.

 981   1999    LAND WEST OF HIGHWAY 97 WILL HAVE A FINAL PLANTING DATE OF APRIL 30.

 9A1   2001    ****Early Varieties include:  Dr. Dupuis, Simmonds, Pollock, Hardee, Nadir,
               Ruehle, Arue, Donnie, Fuchs, K-5, Gorham, Biondo, Peterson, 232, Pinelli, and
               Trap.

 9A2   2000    There is a one-year lag period in reporting production.  Production reports
               through the 1998 crop year are required for the 2000 crop year.

 9A3   2000    The long term average county revenue is $4234 per acre.

 9A4   1999    The Producer Premium Percentage Table T2.2 applies to this crop.

 9A5   2000    The 65 percent transitional yields are:  1998 = 2602 lbs. per acre, 1997 = 2679
               lbs. per acre, 1996 = 1612 lbs. per acre, 1995 = 4222 lbs. per acre.

 9A6   2003    ****Late Varieties include:  All other varieties not listed under Early
               Varieties.

 9A7   2001    For purposes of CAT, coverage will be equal to the approved average
               revenue times 27.5 percent.  Optional units are not available for CAT.

 9A8   2004    The imputed premium will be 55 percent of the premium at the 50 percent
               coverage level.

 9A9   2003    The maximum amount of the replanting payment per acre will be $600.00.

 9AB   2003    The Projected Price - The average derived by totaling the final closing
               daily settlement prices for the insured crop year Chicago Board of
               Trade (CBOT) December corn future contracts of each trading day from
               January 15 through February 14 prior to the sales closing date, and
               dividing that total by the number of daily settlement prices.  The
               projected price will be calculated by FCIC before February 20.

 9AF   1999    There is a one year lag period in reporting production.  Production reports
               through the 1997 crop year are required for the 1999 crop year.

 9AG   2000    The following coverages are available:
               (a)   80 percent coverage level and 75 percent payment rate;
               (b)   75 percent coverage level and 75 percent payment rate; and,
               (c)   65 percent coverage level and 75 percent payment rate.


 9AM   1999    Crop Provisions 98-212 (Avocado and Mango Tree Crop Provisions) apply.

 9AN   1998    The Producer Premium Percentage Table 1.10 applies to this crop.

 9AO   2003    Classification 001 is applicable to all acreage located in Victor, Farmington,
               and Manchester Townships and to acreage located north of State Route 96 in
               Phelps Township unless classified otherwise by the Corporation.

               Classification 002 is applicable to all acreage located south of State Route 96
               in Phelps Township and all other townships in the county unless classified
               otherwise by the Corporation.

 9AP   2003    In accordance with Section 7.(a) (4) (i) of the Dry Pea Crop Insurance
               Provisions, Austrian winter peas interplanted with a fall seeded small grain
               (maximum small grain seeding rate 10% of normal) are insurable.

 9AQ   1998    For catastrophic coverage (CAT), the catastrophic price is equal to 60% of the
               reference maximum price rounded to the nearest whole dollar for the appropriate
               stage.

 9AR   2003    Damage occuring in any calendar year following the year of set out will have
               the damage determined by an appraisal of the reduction in canopy volume in
               accordance with the following table.  The table translates the canopy reduction
               percentage to a damage percentage.

               PERCENTAGE CANOPY      PERCENTAGE      PERCENTAGE CANOPY      PERCENTAGE
                   REDUCTION            DAMAGE            REDUCTION            DAMAGE

                       1                  1.1%               45                  29.0%
                       2                  1.9%               46                  29.9%
                       3                  2.7%               47                  30.9%
                       4                  3.5%               48                  31.9%
                       5                  4.3%               49                  32.9%
                       6                  5.2%               50                  33.9%
                       7                  6.0%               51                  34.9%
                       8                  6.8%               52                  35.9%
                       9                  7.6%               53                  37.0%
                      10                  8.4%               54                  38.1%
                      11                  8.6%               55                  39.1%
                      12                  8.8%               56                  40.2%
                      13                  9.1%               57                  41.4%
                      14                  9.4%               58                  42.5%
                      15                  9.7%               59                  43.6%
                      16                 10.0%               60                  44.8%
                      17                 10.4%               61                  46.0%
                      18                 10.7%               62                  47.2%
                      19                 11.1%               63                  48.4%
                      20                 11.6%               64                  49.6%
                      21                 12.0%               65                  50.8%
                      22                 12.5%               66                  52.0%
                      23                 13.0%               67                  53.3%
                      24                 13.5%               68                  54.6%
                      25                 14.0%               69                  55.8%
                      26                 14.6%               70                  57.1%
                      27                 15.2%               71                  58.4%
                      28                 15.8%               72                  59.7%
                      29                 16.4%               73                  61.0%
                      30                 17.0%               74                  62.4%
                      31                 17.7%               75                  63.7%
                      32                 18.4%               76                  65.1%
                      33                 19.1%               77                  66.4%
                      34                 19.8%               78                  67.8%
                      35                 20.5%               79                  69.2%
                      36                 21.3%               80                  70.6%
                      37                 22.1%               81                  72.0%
                      38                 22.9%               82                  73.4%
                      39                 23.7%               83                  74.8%
                      40                 24.5%               84                  76.2%
                      41                 25.4%               85                  77.7%
                      42                 26.3%               86                  79.1%
                      43                 27.1%               87                 100.0%
                      44                 28.1%

 9AS   2003    Replant Payment Per Acre:  The maximum amount of the replanting payment per
               acre will be $325.00.

 9AT   2003    Replant Per Acre:  The maximum amount of the replanting payment per acre will
               be $125.00.

 9AU   2003    The minimum value to be used for harvested and appraised production will be
               $2.00 per 42-pound crate for practices 120 (Fall Planted Irrigated) and
               320 (Spring Planted Irrigated).

               The allowable cost for harvested production will include the actual cost
               of harvesting, grading, packing containers, hauling and selling not to
               exceed $2.60 per 42-pound crate.

 9AV   2003    In lieu of any policy provisions providing otherwise, the late planting period
               begins the day after the final planting date for the insured crop and ends 5
               days after the final planting date.  For insured crop acreage planted during
               the late planting period, the production guarantee for each acre will be
               reduced 3% for each day planted after the final planting date.

 9AW   2003    Classification 001 is applicable to all acreage located:
                  (1) East of US Route 5 in Windham County, and
                  (2) East of Interstate 91 in Brattleboro Township.

               Classification 002 is applicable to all other areas within the county unless
               classified otherwise by the Corporation.

 9AY   2003    Insurance will not attach to any acreage on which potatoes were planted in
               either of the two preceding crop years or sunflowers were planted in the
               preceding crop year, unless allowed on organic soils by written agreement;
               however, if acreage had not been previously cultivated, potatoes will be
               insurable any two of the first three crop years.

 9B1   2003    The percentage factor, as stated on the Northern Potato Quality Endorsement
               will be based on the actual average percentage of potatoes grading U.S. No. 2
               or better as determined from your records.  If less than four year of records
               are available, the factor will be calculated as follows:

                *Years of Actual      Actual Average     **Default      Percentage
                   Percentage            Percentage      Percentage        Factor
                      Record                (AAP)           (DP)            (PF)
                        0                  (0 AAP)    +  (4 DP)/4     =      PF
                        1                  (1 APP)    +  (3 DP)/4     =      PF
                        2                  (2 AAP)    +  (2 DP)/4     =      PF
                        3                  (3 AAP)    +  (1 DP)/4     =      PF

               *Any actual average percentages must be submitted and certified in accordance
               with actual production (APH) procedures.  Use of loss records showing the
               percentage of potatoes meeting the grade designations stated above must be used
               as an actual year of records for any year in which we determine the percentage
               of potatoes meeting the stated grades.

               **The default percentage is:

                            Fresh Market                   Processing

                            #2 or Better                   #2 or Better

                               85                             85

 9B3   2003    The minimum value to be used for harvested and appraised production will be
               $2.00 per 42-pound crate for 320 (Spring Planted Irrigated).

               The allowable cost for harvested production will include the actual cost of
               harvesting, grading, packing containers, hauling and selling not to exceed
               $2.50 per 42-pound crate.

 9B4   2003    The tenderometer reading used to determine the processor contract price for
               the shell type of peas will be "110" Tenderometer Reading  corresponding to
               the non-superearly varieties.

               The grade factor used to determine the processor contract price for the pod
               types of peas will be the processor's minimum quality and grade specification
               (specified in the processors's Grading Manual) corresponding to the earliest
               planting interval.

               If the processor contract provides a fixed price without regard to
               tenderometer reading, sieve size, or grade factor, such fixed price will
               be considered the processor contract price.


 9B9   2000    The additional value price per bushel for Option A of the Income Protection
               Barley Malting Barley Price and Quality Endorsement is as follows:

               $0.40  Minnesota, North Dakota, South Dakota
               $0.97  Idaho, Montana, Oregon, Washington

 9BB   2003    A basic unit, as defined in section 1 (Definitions) of the Basic Provisions,
               may be divided into more than one optional unit by type (Rabbiteye or
               Highbush).  For each optional unit, you must maintain written, verifiable
               records of planted acreage and harvested production for at least the previous
               crop year and file production reports based on those records to obtain a
               production guarantee.

               Optional units will be determined when a timely filed acreage report is
               submitted and will not be subject to further division.  Final unit
               determination will be made when adjusting a loss; however, no further division
               will be made at that time.

 9BD   2003    ****Insurable Varieties:  Berkeley, Bluecrop, Bluehaven, Bluejay, Blueray,
               Bluetta, Burlington, Collins, Concord, Coville, Darrow, Duke, Earliblue,
               Elliot,
               Jersey, Lateblue, Nelson, Northland, Patriot, Pemberton, Rancocas, Rubel,
               Spartan, Stanley and Weymouth.

 9BL   2003    Land located within the boundaries of the levee(s) that confine any
               1. river 2. channel 3. bypass 4. settling basin or 5. creek will be rated on an
               individual risk basis.  Contact your crop insurance agent by the sales
               closing date to determine eligibility requirements.

 9BM   2003    Land located within the boundaries of the levee(s) that confine any
               1. river 2. channel 3. bypass 4. settling basin or 5. creek will be rated in
               map area 2.

 9BO   2004    * Includes Blood or Pigmented Oranges.

 9BQ   1999    The Soybean Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the
               number of bushels remaining after any reduction due to excessive moisture
               (in accordance with the Coarse Grains Crop Provisions) to determine the
               net production to count.  Any grain which, due to insurable causes, has
               zero market value (net zero market value after consideration of additional
               costs to deliver damaged grain to a market of reasonable distance outside your
               local marketing area) will not be considered production to count if the
               production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for the
               respective types and levels of damage.  Additional costs to deliver grain
               outside your local market will be allowed only for types and levels of damage
               included in Section 4.

               1  Soybeans will be discounted for low test weight as follows:
                  Test Weight Pounds    DF      Test Weight Pounds    DF
                     49 and above      None        38-38.99          .065
                     48-48.99          .010        37-37.99          .071
                     47-47.99          .014        36-36.99          .077
                     46-46.99          .017        35-35.99          .084
                     45-45.99          .020        34-34.99          .090
                     44-44.99          .026        33-33.99          .096
                     43-43.99          .033        32-32.99          .103
                     42-42.99          .039        31-31.99          .109
                     41-41.99          .045        30-30.99          .116
                     40-40.99          .052        Below 30 - See Section 4
                     39-39.99          .058

               2  Soybeans will be discounted for excessive kernel damage (excluding heat
                  damage) as follows:
                  Kernel Damage %   DF    Kernel Damage %   DF    Kernel Damage %   DF
                     8 and below   None      17.01-18      .060      27.01-28      .091
                     8.01-9        .031      18.01-19      .063      28.01-29      .095
                     9.01-10       .034      19.01-20      .066      29.01-30      .098
                    10.01-11       .037      20.01-21      .069      30.01-31      .101
                    11.01-12       .040      21.01-22      .072      31.01-32      .104
                    12.01-13       .044      22.01-23      .075      32.01-33      .107
                    13.01-14       .047      23.01-24      .079      33.01-34      .111
                    14.01-15       .050      24.01-25      .082      34.01-35      .114
                    15.01-16       .053      25.01-26      .085  Above 35 - See Section 4
                    16.01-17       .056      26.01-27      .088

               3  Soybeans will be discounted for a musty odor, sour odor, or commercially
                  objectionable foreign odor (COFO) as follows:

                  Musty Odor = .008      Sour Odor = .016     COFO = .016

               4  Soybeans with (A) a test weight below 30 pounds per bushel and/or kernel
                  damage above 35 percent; (B) a garlicky soybean grade; or (C) the
                  presence of substances or conditions identified by the Food and Drug
                  Administration or other public health organizations of the United States
                  as injurious to human or animal health; may be allowed a Discount
                  Factor.  To determine the Discount Factor, the reduction in value
                  (RIV) caused by the deficiencies, substances, or conditions allowed
                  in (A), (B), and/or (C) will be determined and the total will be
                  divided by the Posted County Price (PCP)*.  The RIV will not include
                  any price reduction resulting from any discount factors that are
                  included in sections 1, 2, and 3.

                  A  The RIV's specified in section 4 will be limited to those that are
                     usual, customary, and reasonable.  If the RIV can be decreased by
                     conditioning the production, the RIV after conditioning may be
                     increased by the cost of conditioning, provided that the resulting
                     RIV does not exceed the RIV before conditioning.  No RIV will be
                     accepted if it is due to (1) moisture content; (2) damage due to
                     uninsured causes; or (3) drying, handling, processing, or any other
                     costs associated with normal harvesting, handling, and marketing of
                     the production.

 9BR   1999       B  RIV's used will be those in the local market area in which you
                     normally market the crop, to the extent feasible.  If the RIV for
                     a buyer located outside your local market area is less than the RIV
                     in your local market area, then the RIV may be increased by the
                     additional costs required to deliver the production to the buyer,
                     provided that the resulting RIV does not exceed the RIV in your local
                     market area.  If the damaged production has been sold, the Discount
                     Factor will be based upon the RIV's applied by the buyer unless it
                     is determined that such RIV's are not usual, customary, and
                     reasonable.

                  C  For production we determine has no value in and outside your local
                     market area, you may offer a value or may intend to utilize such
                     production in a manner which establishes a value.  In such cases, the
                     value we agree to will be utilized in accordance with our approved
                     procedures to determine the RIV for quality adjustment purposes
                     according to section 4 herein.

                  D  The RIV's and PCP will be those in effect on the earlier of the date
                     such quality-adjusted production is sold or the date of final
                     inspection for the unit.

                  * "Posted County Price (PCP)" is the price established by the Commodity
                  Credit Corporation (CCC) for soybeans for the county shown on your
                  application. If multiple counties are shown on your application, it is the
                  county in which the insured unit is located.  If the CCC discontinues
                  establishing PCP's for the county, the PCP will be the Local Market Price as
                  defined in the Coarse Grains Crop Provisions.

 9BU   2003    Section 14(c)(1)(iv) of the Fresh Market Sweet Corn Crop Provisions is not
               applicable for production to count that is sold by direct marketing.  The total
               value of production to count that is to be sold by direct marketing from all
               insurable acreage on the unit will include not less than the amount of
               insurance per acre for the stage for any acreage for which you fail to provide
               production records.

 9BW   1999    INSURABLE CROP:  In accordance with Section 6(a)(4) of the Cherry Crop
               Provisions, the insured crop will be sweet cherries grown on acreage that has
               produced at least 4,000 pounds per acre in one of the three previous crop
               years.  No minimum tree age is required.

 9BX   2000    Sweet cherries marketable as fresh fruit must meet the standards being used by
               most handlers in the area for the current crop, such as US Standards for Grades
               of Sweet Cherries or Article 21 of Barclays California Code of Regulations.

 9BY   2003    * Peach varieties with a chilling hour requirement of less than 400 hours
               are uninsurable in this county.

 9BZ   1999    Catastrophic risk protection: The imputed premium will be the
               CAT dollar amount multiplied by the premium rate for the 50 percent
               coverage level.

 9C1   2003    Section 2(b) of the Fresh Market Sweet Corn Crop Provisions is not applicable.
               As allowed by the Basic Provisions, optional units will be allowed by irrigated
               and non-irrigated practices.

 9C2   2003    In lieu of Section 8(c)(3) of the Fresh Market Sweet Corn Crop Provisions,
               sweet corn that is grown for direct marketing will be insurable in this county.

 9C4   2003    In lieu of Section 10(f) of the Fresh Market Sweet Corn Crop Provisions, the
               End of Insurance period will be September 30 immediately following planting.

 9C6   2003    In addition to the causes of loss contained in the Section 11(a) of the Fresh
               Market Sweet Corn Provisions, drought will be an insurable cause of loss in
               this county.

 9C8   2003    In addition to Section 12(a) of the Fresh Market Sweet Corn Crop Provisions,
               replant payments will not be made for sweet corn initially planted sixty (60)
               days or more prior to the final planting date.

 9C9   2003    A container is defined as fifty (50) ears of Fresh Market Sweet Corn.

 9CA   2000    Insurance will not attach to any acreage on which canola, sunflowers,
               dry edible beans, mustard, crambe, field peas, garbanzo beans, lentils,
               potatoes, rapeseed, sugar beets, safflowers or soybeans were planted any
               of the preceding two crop years.

 9CB   2003      ** FAC - Following another crop (including Canning Beans) that has reached
               the heading stage and/or that has been harvested in the same calendar year.

 9CC   2003    Onion Endorsement Settlement of Claim: For the purpose of section 13
               (d) of the onion endorsement, if the damage to onion production
               (harvested or unharvested) exceeds forty (40%), no production will be
               counted for that unit or portion of a unit unless the damaged onion production
               from that acreage is subsequently sold.

 9CD   2003    Cooling costs will not exceed $1.00 per container if paid by the insured.

 9CF   2003    Section 13, Duties in the Event of Damage or Loss:
               For any insurable acreage of Fresh Market Sweet Corn that will be sold by
               direct marketing and you intend to claim an indemnity, section 13 of the
               Fresh Market Sweet Corn Crop Provisions is not applicable.  In addition to
               the requirements of section 14 of the Basic Provisions, you must notify us
               at least 15 days before any production from any unit will be sold by direct
               marketing.  We will conduct an appraisal that will be used to determine your
               production to count for production that is to be sold by direct marketing.
               If damage occurs after this appraisal, we will conduct an additional
               appraisal if you notify us that additional damage has occurred.  These
               appraisals and any records provided by you will be used to determine your
               production to count.  You must notify us immediately if damage is discovered
               during harvest. An appraisal will be required on the remaining unharvested
               acreage to determine production to count.  Production to count for acreage
               harvested prior to the notice of loss will be the greater of the dollar
               amount of insurance per acre or the value of the harvested production.
               Failure to give timely notice that production will be sold by direct
               marketing will result in an appraised amount of production to count of not
               less than the dollar amount of insurance per acre for the applicable stage
               if such failure results in our inability to make the required appraisal.

 9CH   2003    Section 14, Settlement of Claim: For production from insurable acreage
               that is sold by direct marketing, section 14(c)(3) of the Fresh Market
               Sweet Corn Crop Provisions is not applicable.  The total value of
               production to count that is sold by direct marketing will be the
               greater of the actual value or section 14(c)(2)of the crop provisions.

               If you selected the Minimum Value Option and pay the additional premium,
               the value of production to count that is sold other than by direct
               marketing is specified in section 16(b) of the Fresh Market Sweet Corn
               Crop Provisions.  The value of production to count that is to be sold
               by direct marketing will be the greater of the actual value or the
               provisions contained in section 14(c)(2) of the crop provisions.


 9CI   2003    The minimum value to be used for harvested and appraised production will
               be $4.00 per standard container.

 9CJ   2003    The maximum amount of the replanting payment per acre will be $100.00.

 9CK   2003    Allowable cost for harvested production will include the actual cost of
               harvesting, grading, packing containers, hauling, and selling not to exceed
               $2.60 per standard container.

 9CL   2003    Cooling cost will not exceed $0.50 per standard container if paid by the
               insured.

 9CM   2003    In lieu of the definition of late planting period in Section 1 of the Basic
               Provisions, the late planting period begins the day after the final planting
               date for the insured crop and ends 15 days after the final planting date.

 9CN   2000    A cotton crop which is properly planted, using a machine designed for such
               purpose, into existing vegetation, will be insurable provided the existing
               vegetation, i.e., small grains, legumes, cover crops, or existing weeds, is
               treated with an herbicide which is labeled and recommended for the purpose of
               killing the existing vegetation two or three weeks prior to planting the
               cotton.

 9CO   2003    ****Includes the types of Early Golden, White, Bicolor and Supersweet.  Early
               Golden includes yellow varieties requiring 76 or fewer days to maturity; White
               Bicolor and Supersweet varieties regardless of maturity days.

 9CP   1998    **** The following categories of seed peas are insurable as the "contract seed
               pea type":  wrinkled seed coat types and other varieties under contract with a
               seed company (insured as the "wrinkled" type in previous years) where at least
               50 percent of the total production is at a fixed price and the contract price
               is executed before the acreage reporting date.

 9CQ   1999    The Corn Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place
               decimals).  No other quality factors will be considered in determining
               production to count.  The QA Factor (not less than zero) will be
               multiplied by the number of bushels remaining after any reduction due
               to excessive moisture (in accordance with the Coarse Grains Crop
               Provisions) to determine the net production to count.  Any grain which,
               due to insurable causes, has zero market value (net zero market value after
               consideration of additional costs to deliver damaged grain to a market of
               reasonable distance outside your local marketing area) will not be considered
               production to count if the production is destroyed.  Production that is not
               destroyed in a manner acceptable to us will be adjusted in accordance with the
               rules below for the respective types and levels of damage.  Additional costs to
               deliver grain outside your local market will be allowed only for types and
               levels of damage included in section 3.

               1  Corn will be discounted for low test weight as follows:
                  Test Weight Pounds   DF      Test Weight Pounds       DF
                  49 and above        None          38-38.99           .184
                  48-48.99            .054          37-37.99           .198
                  47-47.99            .064          36-36.99           .212
                  46-46.99            .075          35-35.99           .226
                  45-45.99            .085          34-34.99           .240
                  44-44.99            .100          33-33.99           .254
                  43-43.99            .114          32-32.99           .268
                  42-42.99            .128          31-31.99           .282
                  41-41.99            .142          30-30.99           .296
                  40-40.99            .156          Below 30 - See Section 3
                  39-39.99            .170

               2  Corn will be discounted for excessive kernel damage (excluding heat
                  damage) as follows:
                  Kernel Damage %   DF   Kernel Damage %  DF   Kernel Damage %  DF
                    10 and below   None    18.01-19      .079    27.01-28      .127
                    10.01-11       .030    19.01-20      .085    28.01-29      .131
                    11.01-12       .036    20.01-21      .091    29.01-30      .135
                    12.01-13       .043    21.01-22      .097    30.01-31      .139
                    13.01-14       .049    22.01-23      .102    31.01-32      .143
                    14.01-15       .056    23.01-24      .108    32.01-33      .147
                    15.01-16       .062    24.01-25      .114    33.01-34      .150
                    16.01-17       .068    25.01-26      .118    34.01-35      .154
                    17.01-18       .073    26.01-27      .122    Above 35 - See Section 3

               3  Corn with (A) a test weight below 30 pounds per bushel and/or kernel
                  damage above 35 percent; (B) a musty, sour, or commercially objection-
                  able foreign odor; or (C) the presence of substances or conditions
                  identified by the Food and Drug Administration or other public health
                  organizations of the United States as injurious to human or animal
                  health; may be allowed a Discount Factor. To determine the Discount
                  Factor, the reduction in value (RIV) caused by the deficiences, sub-
                  stances, or conditions allowed in (A), (B), and/or (C) will be deter-
                  mined and the total will be divided by the Posted County Price (PCP)*.
                  The RIV will not include any price reduction resulting from any discount
                  factors that are included in sections 1 and 2.

                  A  The RIV's specified in section 3 will be limited to those that are
                     usual, customary, and reasonable.  If the RIV can be decreased by
                     conditioning the production, the RIV after conditioning may be
                     increased by the cost of conditioning, provided that the resulting
                     RIV does not exceed the RIV before conditioning.  No RIV will be
                     accepted if it is due to (1) moisture content; (2) damage due to
                     uninsured causes; or (3) drying, handling, processing, or any other
                     costs associated with normal harvesting, handling, and marketing of
                     the production.

 9CR   1999       B  RIV's used will be those in the local market area in which you
                     normally market the crop, to the extent feasible.  If the RIV for
                     a buyer located outside your local market area is less than the RIV
                     in your local market area, then the RIV may be increased by the
                     additional costs required to deliver the production to the buyer,
                     provided that the resulting RIV does not exceed the RIV in your local
                     market area.  If the damaged production has been sold, the Discount
                     Factor will be based upon the RIV's applied by the buyer unless it
                     is determined that such RIV's are not usual, customary, and
                     reasonable.

                  C  For production we determine has no value in and outside your local
                     market area, you may offer a value or may intend to utilize such
                     production in a manner which establishes  a value.  In such cases, the
                     value we agree to will be utilized in accordance with our approved
                     procedures to determine the RIV for quality adjustment purposes
                     according to section 3 herein.

                  D  The RIV's and PCP will be those in effect on the earlier of the date
                     such quality-adjusted production is sold or the date of final
                     inspection for the unit.

                  *  "Posted County Price (PCP)" is the price established by the Commodity
                     Credit Corporation (CCC) for yellow corn for the county shown on your
                     application.  If multiple counties are shown on your application, it
                     is the county in which the insured unit is located.  If the CCC
                     discontinues establishing PCP's for the county, the PCP will be the
                     Local Market Price as defined in the Coarse Grains Crop Provisions.

 9CT   2001    Insurable crop: In accordance with Section 6(a)(4) of the Cherry
               Crop Provisions, acreage of cherry trees which, after being set
               out or grafted, has completed four growing seasons and has produced
               at least 4,000 pounds of fruit per acre (4,000 pounds prorated if
               less than one acre) during one of the three crop years immediately
               preceding the insured crop year, unless inspected and otherwise
               determined uninsurable.  For the year of set out or grafting to be
               counted as a completed growing season, setting out or grafting must
               occur prior to July 1.

 9CU   1999    MINIMUM VALUE:  For Sweet Cherries (Fresh Market), the minimum value to be used
               for harvested and appraised production will be $0.36 per pound.

 9CV   1999    MINIMUM VALUE OPTION:  If you selected Option I of the Minimum Value Option,
               the minimum value option price is $0.24 per pound for Sweet Cherries (Fresh
               Market). If you selected Option II of the Minimum Value Option, the minimum
               value option price is $0.12 per pound for Sweet Cherries (Fresh Market).

 9CW   2003    In lieu of Section 2, Unit Division, of the Guaranteed Tobacco Crop Provisions
               (99-071), Basic and Optional Units will be defined as follows:

               Basic unit will be as defined in the Common Crop Insurance Policy Basic
               Provisions.

               Optional unit will be defined as follows:
                    (1)  In lieu of the provisions in section 34 of the Basic Provisions
                         that permit optional unit by section, section equivalent, irrigated
                         or non-irrigated acreage, each optional unit must be located in a
                         separate farm identified by a single FSA Farm Serial Number.

                    (2)  We may reject or modify any FSA reconstitution for the purpose of
                         of the unit definition, if we determine the reconstitution was done
                         in whole or in part to defeat the purpose of the Federal crop
                         insurance program or to gain a disproportionate advantage under this
                         policy.

 9CX   2001    Allowable cost for harvested production will be $0.16 per pound
               for Sweet Cherries (does not apply to U-Pick production).

 9CZ   2003    Grading standards for sweet cherries:  U.S. No.1 as shown in the
               United States Standards for Grades of Sweet Cherries for Canning
               or Freezing effective June 1, 1946 or as amended, if applicable.

 9D1   2003    In addition to Section 12(a) of the Fresh Market Sweet Corn Crop Provisions,
               replant payments will not be made for sweet corn initially planted thirty (30)
               days or more prior to the final planting date.

 9D2   2003    In addition to Section 12(a) of the Fresh Market Sweet Corn Crop Provisions,
               replant payments will not be made for sweet corn initially planted forty-five
               (45) days or more prior to the final planting date.

 9D3   2003    In lieu of Section 10(f) of the Fresh Market Sweet Corn Crop Provisions, the
               End of Insurance period will be September 5 immediately following planting.

 9D4   2003    In lieu of Section 10(f) of the Fresh Market Sweet Corn Crop Provisions, the
               End of Insurance period will be September 15 immediately following planting.

 9D5   2001    In lieu of Section 10(f) of the Fresh Market Sweet Corn Crop Provisions, the
               End of Insurance period will be September 20 immediately following planting.

 9D6   2003    In addition to Section 12(a) of the Fresh Market Sweet Corn Crop Provisions,
               replant payments will not be made for sweet corn initially planted seventy (70)
               days or more prior to the final planting date.

 9DE   2003    Insurance will not attach to any such acreage on which potatoes and/or
               sugar beets were planted in each of the two preceding crop years.  Round
               white potato types MAY FOLLOW round white potato types, IF a five month
               rotation occurs using a recommended and established cover crop as a
               rotation crop.

 9DF   2003    For the purpose of Section 11(d)1(iii) of the crop provisions, the date
               potatoes would have reached full maturity will be 60 days prior to the calendar
               date for the end of the insurance period for type 261 (Group B) only.

 9DG   2003    For the purpose of Section 11(d)1(iii) of the crop provisions, the date
               potatoes would have reached full maturity will be 110 days prior to the
               calendar date for the end of the insurance period for varieties under contract
               with a chipping processor or 77 days for other varieties of potatoes within
               type 261 (Group B) only.

 9DH   2003    For the purpose of Section 11(d)1(iii) of the crop provisions, the date
               potatoes would have reached full maturity will be 110 days prior to the
               calendar date for the end of the insurance period for varieties under contract
               with a chipping processor or 91 days for other varieties of potatoes within
               type 261 (Group B) only.

 9DJ   2003    In accordance with section 7(a) of the crop provisions, insurance will not
               attach to any acreage on which potatoes or sunflowers were grown the preceding
               crop year unless provided for by written agreement.

 9DL   2003    Disease will not be an insurable cause of loss on any acreage seeded to any
               broadleaf crop in any of the three preceding crop years.

 9DM   2003        * Planted with a single implement which is designed to place the seed (at
               the proper depth) into the soil.  Acreage on which seed is first broadcast onto
               the surface of the soil using any implement or aircraft, and on which the seed
               subsequently is incorporated into the soil, is not insurable under this
               practice.

 9DP   2003    In accordance with Section 7.(3) (i) of the Dry Pea Crop Insurance Provisions,
               irrigated dry peas interplanted with initially planted alfalfa or other small
               seeded forage legumes are insurable.

 9DW   2003    For the purpose of section 9 (Replanting Payments) of the Small Grains Crop
               Provisions, a replanting payment will be calculated using the price
               election for the type of wheat that is replanted and insured.  For example, if
               damaged Durum wheat (type 015) acreage is replanted to another spring type
               (type 012), the price election for type 012 will be used to calculate any
               replanting payment that may be due.  A revised acreage report will be
               necessary to record the new type and price election for the replanted
               acreage, and to reflect the new premium amount.

               Only one price election percentage will be applicable for all wheat types
               insured under one wheat policy.  For example, if you elect a price election
               for Durum wheat equal to 80% of the established price, the price election
               applicable for other wheat types must also be 80% of the established price.

               In the event of loss or damage on a unit for which more than one price
               election is applicable, we will settle your claim by:
               (a)  Multiplying the insured acreage of each type (012/015) by the
                    production guarantee;
               (b)  Multiplying each result by the price election for the applicable type;
               (c)  Adding these dollar values;
               (d)  Multiplying the production to count of each type by the price election
                    for that type;
               (e)  Adding these dollar values;
               (f)  Subtracting the result of step (e) from the result of step (c); and,
               (g)   Multiplying the result by your share.

 9E1   2003    The end of insurance date for this county crop program is 10/15.

 9E2   2003    The end of insurance date for this county crop program is 07/15.

 9E3   1999    The end of insurance date for this county crop program is 08/15.

 9E4   2003    The end of insurance date for this county crop program is 6/25.

 9E5   2003    The end of insurance date for this county crop program is 08/15.

 9E7   2003    The end of insurance date for this county crop program is 07/25.

 9E8   2003    The end of insurance date for this county crop program is 06/10.

 9EA   2003    The end of insurance date for this county crop program is 07/31.

 9EB   2003    The end of insurance date for this county crop program is 01/15.

 9EC   2001     The end of insurance date for this county crop program is 3/1.

 9ED   2003    The end of insurance date for this county crop program is 4/30.

 9EF   2003    Insurance will not attach to any acreage on which potatoes were planted
               the preceding crop year unless allowed by a written agreement.

 9EG   2003    The end of insurance date for this county crop program is 9/1.

 9EH   2003    The end of insurance date for this county crop program is 8/1.

 9EI   2003    End of Insurance Date will be September 20.

 9EK   2003    The end of insurance date for this county crop program is 12/15.

 9ES   1999    Optional Units may be established only for cherry acreage located on
               non-contiguous land.  Optional units are not allowed by section, section
               equivalent, FSA farm serial number, or for irrigated and non-irrigated
               practices.

 9ET   1999    The Allowable Costs and Minimum Values are:
                                                 Allowable Costs          Minimum Values
                 Sweet Cherries (Fresh Market)   $0.25 per pound          $0.66 per pound


               The Minimum Value Option Prices are:
                                                 Option I                 Option II
                 Sweet Cherries (Fresh Market)   $0.33 per pound          $0.00 per pound

 9EU   2003    Enterprise units are available.

 9F1   2000    The minimum value to be used for harvested and appraised production
               will be $5.85 per container.

 9F2   2000    Cooling costs will not exceed $1.35 per container if paid by the insured.

 9F4   1997    The approved APH yields issued by re-insured company's verifier or FCIC
               are applicable only for a full season, mature crop harvested on or after
               August 15 of the crop year, unless otherwise noted.

 9F5   1998    APPROVED MALTING BARLEY VARIETIES:  Andre
                                                   Anheuser Busch 1201
                                                   Anheuser Busch 1202
                                                   Anheuser Busch 2601
                                                   Camarque
                                                   Clark
                                                   Galena
                                                   Karla
                                                   Klages
                                                   Moravian III
                                                   Moravian 14 *
                                                   Morex
                                                   Premier
                                                   Triumph

               All varieties recommended for malting by the American Malting Barley
               Association, Inc.

               Varieties meeting the conditions set forth in the Malting Barley Option
               Amendment, but not shown as an approved variety, may be insured.  Contact
               your crop insurance agent for eligibility requirements.

               * Please note that variety AC-14 is now named Moravian 14.

 9F6   2003      ** Insurance shall attach only on forage crops planted without a
               companion crop or planted with a companion crop of oats or flax.  Oats must
               be seeded at a rate of 16 lbs./acre or less and also must be cut for hay
               no later than the milk stage.  Flax must be seeded at a rate of 16 lbs./
               acre or less.

 9F7   2002      ** Insurance shall attach only on forage crops planted without a
               companion or nurse crop.

 9FA   2003    **** A pure stand of alfalfa or a stand of alfalfa and grass in which 60
               percent or more of the ground cover is alfalfa.

 9FB   2003    **** A mixed stand of alfalfa and grass in which alfalfa comprises more than 25
               percent but less than 60 percent of the ground cover.

 9FC   2003    The unit of measure will be a container or wax impregnated cartons or boxes
               with four dozen or 48-52 ears.

 9FD   1998    Minimum Value:
               The minimum value to be used for harvested and appraised production will be
               $5.50 per container.

 9FE   1999    Except for CAT coverage, for the purpose of computing an indemnity, the value
               of each container of production to count as determined in accordance with the
               Fresh Market Sweet Corn Policy will be multiplied by the determined price
               election percentage.

               For CAT coverage only, the value of each carton of production will be
               multiplied by 0.60.

 9FF   2000    If the insured selects Fresh Fruit Option B (FB), they must provide one year of
               fresh fruit records from at least one of the two previous crop years.

 9FG   2003    **** A pure stand of red clover or a stand of red clover and grass in which 60
               percent of more of the ground cover is red clover.

 9FH   2003    Any apple acreage lying East of Highway 41 in Madera County will be unrated.

 9FI   2000    The allowable cost for harvested production will include the actual cost of
               harvesting, grading, packing containers, hauling and selling not to exceed
               $3.00 per container.

 9FJ   1999    APPROVED MALTING BARLEY VARIETIES:  Azure
                                                   B1602
                                                   Foster
                                                   Excel
                                                   Morex
                                                   Robust
                                                   Stander

               All varieties recommended for malting by the American Malting Barley
               Association, Inc.

               Varieties meeting the conditions set forth in the Malting Barley Option
               Amendment, but not shown as an approved variety, will be insured.  Contact
               your crop insurance agent by the sales closing date to determine
               eligibility requirements.

 9FK   1999    APPROVED MALTING BARLEY VARIETIES:  Anheuser Busch 1201 & 1202 (2-row)
                                                   Anheuser Busch 1603
                                                   Anheuser Busch 2601 (6-row)
                                                   Anheuser Busch 5648
                                                   Clark (2-row)
                                                   Crest (2-row)
                                                   Crystal (2-row)
                                                   Excel (6-row)
                                                   Galena
                                                   Harrington (2-row)
                                                   Chinook
                                                   Klages (2-row)
                                                   Merit
                                                   Moravian III (2-row)
                                                   Moravian 22
                                                   Morex (6-row)
                                                   Triumph
                                                   Russell

               All varieties recommended for malting by the American Malting Barley
               Association, Inc.

               Varieties meeting the conditions set forth in the Malting Barley Option
               Amendment, but not shown as an approved variety, will be insured.  Contact
               your crop insurance agent by the sales closing date to determine
               eligibility requirements.

 9FL   1999    APPROVED MALTING BARLEY VARIETIES:  Anheuser Busch 1201 (2-row)
                                                   Anheuser Busch 1202 (2-row)
                                                   Anheuser Busch 2601 (6-row)
                                                   Clark (2-row)
                                                   Crystal (2-row)
                                                   Galena
                                                   Harrington (2-row)
                                                   Triumph
                                                   Klages (2-row)
                                                   Merit
                                                   Moravian III (2-row)
                                                   Moravian 22
                                                   Morex (6-row)

               All varieties recommended for malting by the American Malting Barley
               Association, Inc.

               Varieties meeting the conditions set forth in the Malting Barley Option
               Amendment, but not shown as an approved variety, will be insured. Contact
               your crop insurance agent by the sales closing date to determine
               eligibility requirements.

 9FM   1999    APPROVED MALTING BARLEY VARIETIES:  B1202
                                                   B2601
                                                   Crest
                                                   Crystal
                                                   Excel
                                                   Harrington
                                                   Klages
                                                   Merit
                                                   Moravian 22
                                                   Morex
                                                   Russell

               All varieties recommended for malting by the American Malting Barley
               Association, Inc.

               Varieties meeting the conditions set forth in the Malting Barley Option
               Amendment, but not shown as an approved variety, will be insured. Contact
               your crop insurance agent before the sales closing date to determine
               eligibility requirements.

 9FN   2000    Adequate stand/mimimum required for living plants per square foot after the
               year of establishment: Type Alfalfa/Practice Irrigated - Adequate stand
               (Alfalfa plants per square foot) 9.0 the first year; 6.0 the second year; 4.5
               the third through fifth years.  Type Alfalfa Grass Mixture/Practice Irrigated -
               Adequate stand (Alfalfa plants per square foot); 3.0 the first year; 2.0 the
               second year; 1.5 the third through the seventh years.  Type Alfalfa/Practice
               Non-Irrigated - Adequate stand (Alfalfa plants per square foot); 6.0 the first
               year; 4.0 the second year; 3.0 the third year.  Type Alfalfa Grass
               Mixture/Practice Non-Irrigated - Adequate stand (Alfalfa plants per square
               foot); 2.0 the first year; 1.3 the second year; 1.0 the third year through the
               fifth years.

 9FO   2003      **Onions with cover crop include:
               a) direct seeded onions or transplanted/sets planted with a small grain cover
               crop (companion/nurse crop) which is fall planted and/or established during the
               initial growing phase of the insured crop, and b) the cover crop is controlled
               and eliminated before the heading stage after the initial planting of the
               applicable acreage.


 9FP   1999    Fifteen (15) percent of all cull production will be considered production to
               count.

 9FQ   1999    Subparagraph 11(d) (3) (ii) of the Small Grains Crop Provisions does not
               apply.  In lieu of subparagraph 11(d) (2) (i) (E) of the Small Grains
               Crop Provisions, flaxseed will be eligible for quality adjustment if it
               has a musty, sour, or commercially objectionable foreign odor (except smut
               or garlic odor) or if it does not meet the grade requirements for U.S. No.
               2 (grades U.S. Sample Grade) because of test weight and damaged kernels.
               Production of flaxseed that is eligible for quality adjustment, as
               specified above and in paragraphs 11(d) (2) and (3) of the Small Grains
               Crop Provisions, will be reduced (in lieu of the provisions in paragraph
               11(d) (4) of the Small Grains Crop Provisions) as follows:

               The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the
               number of bushels otherwise determined in accordance with the Small Grains
               Crop Provisions, to determine the net production to count.  Any grain
               which, due to insurable causes, has zero market value (net zero market value
               after consideration of additional costs to deliver damaged grain to a market of
               reasonable distance outside your local marketing area) will not be considered
               production to count if the production is destroyed.  Production that is not
               destroyed in a manner acceptable to us will be adjusted in accordance with the
               rules below for the respective types and levels of damage.  Additional costs to
               deliver grain outside your local market will be allowed only for types and
               levels of damage included in Section 2.

               1  Flaxseed will be discounted for low test weight as follows:

               Test Weight Pounds DF   Test Weight Pounds  DF   Test Weight Pounds  DF
                  47 and above   None     41-41.99        .112     35-35.99        .266
                  46-46.99       .041     40-40.99        .124     34-34.99        .299
                  45-45.99       .056     39-39.99        .154     33-33.99        .322
                  44-44.99       .071     38-38.99        .180     32-32.99        .349
                  43-43.99       .083     37-37.99        .210     31-31.99        .376
                  42-42.99       .098     36-36.99        .237     30-30.99        .405
                                                               Below 30 - See Section 2

               2  Flaxseed with (A) a test weight below 30 pounds per bushel; (B) a
               kernel damage percentage above 15 percent; (C) a musty, sour, or
               commercially objectionable foreign odor (except smut or garlic odor);
               and/or (D) the presence of substances or conditions identified by the
               Food and Drug Administration or other public health organizations of
               the United States as injurious to human or animal health; may be allowed
               a discount factor.  To determine the Discount Factor, the reduction in
               value (RIV) caused by the deficiencies, substances or conditions allowed
               in (A), (B), (C), and/or (D) will be determined and the total will be
               divided by the Regionally Constructed Price (RCP)*.  The RIV will not
               include any price reduction resulting from any Discount Factors that are
               included in section 1.

                 A  The RIV's specified in section 2 will be limited to those that
                    are usual, customary, and reasonable.  If the RIV can be decreased
                    by conditioning the production, the RIV after conditioning may be
                    increased by the cost of conditioning, provided that the resulting
                    RIV does not exceed the RIV before conditioning.  No RIV will be
                    accepted if it is due to (1) moisture content; (2) damage due to
                    uninsured causes; or (3) drying, handling, processing, or any other
                    costs associated with normal harvesting, handling, and marketing of
                    the production.

 9FR   1999       B RIV's used will be those in the local market area in which you
                    normally market the crop, to the extent feasible.  If the RIV for a
                    buyer located outside your local market area is less than the RIV
                    in your local market area, then the RIV may be increased by the
                    additional costs required to deliver the production to the buyer,
                    provided that the resulting RIV does not exceed the RIV in your local
                    market area.  If the damaged production has been sold, the Discount
                    Factor will be based upon the RIV's applied by the buyer unless it is
                    determined that such RIV's are not usual, customary, and reasonable.

                  C For production we determine has no value in and outside your local market
                    area, you may offer a value or may intend to utilize such production in a
                    manner which estabishes a value.  In such cases, the value we agree to
                    will be utilized in accordance with our approved procedures to determine
                    the RIV for quality adjustment purposes according to section 2 herein.

                  D The RIV's and RCP will be those in effect on the earlier of the date
                    such quality-adjusted production is sold or the date of final
                    inspection for the unit.

               *  "Regionally Constructed Price (RCP)" is the price established by the
               Commodity Credit Corporation (CCC) for flaxseed in the county shown on
               your application.  If multiple counties are shown on your application,
               it is the county in which the insured unit is located.  If the CCC
               discontinues establishing RCP's for the county, the RCP will be the Local
               Market Price as defined in the Small Grains Crop Provisions.

 9FS   1999    APPROVED MALTING BARLEY VARIETIES:  B1202
                                                   B2601
                                                   Crest
                                                   Crystal
                                                   Excel
                                                   Galena
                                                   Harrington
                                                   Klages
                                                   Merit
                                                   Moravian III
                                                   Moravian 22
                                                   Morex
                                                   Russell

               All varieties recommended for malting by the American Malting Barley
               Association, Inc.

               Varieties meeting the conditions set forth in the Malting Barley Option
               Amendment, but not shown as an approved variety, will be insurable. Contact
               your crop insurance agent by the sales closing date to determine
               eligibility requirements.

 9FT   1999    Crop Provisions 96014 (Florida Fruit Tree Pilot Crop Provisions) apply.

 9FV   1999    APPROVED MALTING BARLEY VARIETIES:  Alexis
                                                   Andre
                                                   Anheuser Busch 1201
                                                   Anheuser Busch 1202
                                                   Anheuser Busch 2601
                                                   Camarque
                                                   Clark
                                                   Galena
                                                   Karla
                                                   Klages
                                                   Merit
                                                   Moravian III
                                                   Moravian 14
                                                   Moravian 22
                                                   Morex
                                                   Premier
                                                   Triumph

               All varieties recommended for malting by the American Malting Barley
               Association, Inc.

               Varieties meeting the conditions set forth in the Malting Barley Option
               Amendment, but not shown as an approved variety, may be insured.  Contact
               your crop insurance agent for eligibility requirements.

 9G1   2003    The percent of damage referenced in section 13 (d) of the Onion Crop Provisions
               will be 50 percent.

 9G2   2003    In accordance with the Onion Crop Provisions, "onion production" and "damaged
               onion production", will be determined on a U.S. No. 1 basis.

               The percent of damage referenced in section 13 (d) of the Onion Crop Provisions
               will be 50 percent.


 9GB   2003    In addition to the definition of "planted acreage" in section 1 of the Peanut
               Crop Provisions (99-075), acreage that was prevented from being planted will
               receive prevented planting coverage based on 50 percent of your production
               guarantee for timely planted acreage.  If you have additional levels of
               coverage, as specified in 7 CFR part 400, subpart T, and pay an additional
               premium, you may increase your prevented planting coverage to a level
               specified in the actuarial documents.


 9GC   2001    CAT coverage is the 65% coverage level with 55% of the maximum protection
               per acre.

 9GD   2003    A pure stand of birdsfoot trefoil or a stand of birdsfoot trefoil and
               grass in which 60 percent or more of the ground cover is birdsfoot trefoil.

 9GF   2003    A mixed stand of birdsfoot trefoil and grass in which birdsfoot trefoil
               comprises more than 25 percent but less than 60 percent of the ground
               cover.


 9GH   2003    Birdsfoot Trefoil (Type 056): Normal stand is 12.0 birdsfoot trefoil plants
               per square foot.




 9GI   2003    Birdsfoot Trefoil/Grass Mixture (Type 057): Normal stand is 8.0 birdsfoot
               trefoil plants per square foot.


 9GO   2003    The applicable standards for onions in the following states will apply for this
               crop year:

                 Georgia

                  All Non-Storage Types --
                  U.S. No. 1 Grade based on the United States Standards for Grades
                  of Bermuda-Granex-Grano onions

 9GP   2003    Onion Crop Provisions, Section 8 (a), rotation requirements do not apply to any
               acreage insured in this county.

 9GQ   1999    The Grain Sorghum Quality Adjustment (QA) Factor is 1.000 minus the sum
               of the applicable Discount Factors (DF) below (expressed as three-place
               decimals). No other quality factors will be considered in determining
               production to count. The QA Factor (not less than zero) will be multiplied
               by the number of bushels remaining after any reduction due to excessive
               moisture (in accordance with the Coarse Grains Crop Provisions) to determine
               the net production to count. Any grain which, due to insurable causes, has zero
               market value (net zero market value after consideration of additional costs to
               deliver damaged grain to a market of reasonable distance outside your local
               marketing area) will not be considered production to count if the production is
               destroyed.  Production that is not destroyed in a manner acceptable to us will
               be adjusted in accordance with the rules below for the respective types and
               levels of damage.  Additional costs to deliver grain outside your local market
               will be allowed only for types and levels of damage included in Section 3.

               1  Grain sorghum will be discounted for low test weight as follows:
                  Test Weight Pounds     DF         Test Weight Pounds    DF
                    51 and above        None             39-39.99        .088
                    50-50.99            .015             38-38.99        .097
                    49-49.99            .019             37-37.99        .105
                    48-48.99            .024             36-36.99        .114
                    47-47.99            .029             35-35.99        .122
                    46-46.99            .033             34-34.99        .130
                    45-45.99            .038             33-33.99        .139
                    44-44.99            .046             32-32.99        .147
                    43-43.99            .055             31-31.99        .156
                    42-42.99            .063             30-30.99        .164
                    41-41.99            .071             Below 30 - See Section 3
                    40-40.99            .080

               2  Grain sorghum will be discounted for excessive kernel damage (excluding
                  heat damage) as follows:
                  Kernel Damage %   DF   Kernel Damage %   DF   Kernel Damage %  DF
                    15 and below   None    21.01-22       .059    28.01-29      .095
                    15.01-16       .034    22.01-23       .064    29.01-30      .100
                    16.01-17       .038    23.01-24       .069    30.01-31      .106
                    17.01-18       .042    24.01-25       .074    31.01-32      .111
                    18.01-19       .045    25.01-26       .079    32.01-33      .117
                    19.01-20       .049    26.01-27       .085    33.01-34      .123
                    20.01-21       .054    27.01-28       .090    34.01-35      .129
                                                                Above 35 - See Section 3

               3  Grain sorghum with (A) a test weight below 30 pounds per bushel and/or
                  kernel damage above 35 percent; (B) a musty, sour, or commercially
                  objectionable foreign odor (or a smutty grain sorghum grade); or (C) the
                  presence of substances or conditions identified by the Food and Drug
                  Administration or other public health organizations of the United States
                  as injurious to human or animal health; may be allowed a Discount
                  Factor.  To determine the Discount Factor, the reduction in value (RIV)
                  caused by the deficiencies, substances, or conditions allowed in (A),
                  (B), and/or (C) will be determined and the total will be divided by the
                  Posted County Price (PCP)*.  The RIV will not include any price reduc-
                  tion resulting from any discount factors that are included in sections
                  1 and 2.

                  A  The RIV's specified in section 3 will be limited to those that are
                     usual, customary, and reasonable.  If the RIV can be decreased by
                     conditioning the production, the RIV after conditioning may be in-
                     creased by the cost of conditioning, provided that the resulting RIV
                     does not exceed the RIV before conditioning.  No RIV will be accept-
                     ed if it is due to (1) moisture content; (2) damage due to uninsured
                     causes; or (3) drying, handling, processing, or any other costs
                     associated with normal harvesting, handling, and marketing of the
                     production.

 9GR   2003    Classification 002 is applicable to all acreage located:
                    (1)  North of County Road 103 in Ontario and Williamson Townhships,
                    (2)  North of County Road 103 and west of the intersection of County
                         Road 103 and State Route 104 (Ridge Road) in Sodus Township,
                    (3)  North of State Route 104 and east of the intersection of County
                         Road 103 and State Route 104 (Ridge Road) in Sodus Township, and
                    (4)  North of State Route 104 in Huron and Wolcott Townships.

               Classification 001 is applicable to all other areas within the county unless
               classified otherwise by the Corporation.

 9GS   1999       B  RIV's used will be those in the local market area in which you
                     normally market the crop, to the extent feasible.  If the RIV for
                     a buyer located outside your local market area is less than the
                     RIV in your local market area, then the RIV may be increased by
                     the additional costs required to deliver the production to the
                     buyer, provided that the resulting RIV does not exceed the RIV
                     in your local market area.  If the damaged production has been
                     sold, the Discount Factor will be based upon the RIV's applied
                     by the buyer unless it is determined that such RIV's are not
                     usual, customary, and reasonable.

                  C  For production we determine has no value in and outside your local
                     market area, you may offer a value or may intend to utilize such
                     production in a manner which establishes a value.  In such cases, the
                     value we agree to will be utilized in accordance with our approved
                     procedures to determine the RIV for quality adjustment purposes
                     according to section 3 herein.

                  D  The RIV's and PCP will be those in effect on the earlier of the date
                     such quality-adjusted production is sold or the date of final inspection
                     for the unit.

               *     "Posted County Price (PCP)" is the price established by the Commodity
                     Credit Corporation (CCC) for grain sorghum for the county shown on
                     your application. If multiple counties are shown on your application,
                     it is the county in which the insured unit is located.  If the CCC
                     discontinues establishing PCP's for the county, the PCP will be the
                     Local Market Price as defined in the Coarse Grains Crop Provisions.

 9GZ   2003    All of your corn acreage must be insured.  The offer you select will apply to
               all of your corn acreage. Type 030 (NASS Harvested) provides coverage based on
               NASS yields from acreage harvested for grain.  Type 040 (NASS Planted) provides
               coverage based on NASS yields from all acreage planted.  Type 30 (NASS
               Harvested) will apply unless you select Type 040 (NASS Planted) by the sales
               closing date.

 9H1   1999    For Sweet Cherries (Fresh Market), the minimum value to be used
               for harvested and appraised production will be $0.30 per pound.
               For Sweet Cherries (Processing), the minimum value to be used
               for harvested and appraised production will be $0.26 per pound.

 9H2   1999    The Minimum Value Option is not available for Sweet Cherries
               (Processing). If you selected Option I of the Minimum Value
               Option, the minimum value option price is $0.20 per pound for
               Sweet Cherries (Fresh Market). If you selected Option II of the
               Minimum Value Option, the minimum value option price is $0.10 per
               pound for Sweet Cherries (Fresh Market).

 9H3   2000    The FCI-33 CROP INSURANCE ACTUARIAL MAP applicable to barley in this
               county will be applicable to IP Barley. Land designated as High Risk
               is not eligible for insurance according to the IP Barley Crop Provisions.

 9H4   2003    Harvest Price - Eighty-five (85) percent of the average derived by totaling the
               final closing daily settlement prices for the current year Chicago Board of
               Trade (CBOT) September corn futures contract for each trading day of August of
               the current year, and dividing that total by the number of daily settlement
               prices.  The harvest price will be calculated by FCIC before September 5.

               Projected Price - Eighty-five (85) percent of the average derived by totaling
               the final closing daily settlement prices for the current year Chicago Board of
               Trade (CBOT) September corn futures contract for each trading day of February
               of the current year, and dividing that total by the number of daily settlement
               prices.  The projected price will be calculated by FCIC before March 5.

 9H5   2003    Harvest Price - Eighty-five (85) percent of the average derived by totaling the
               final closing daily settlement prices for the current year Chicago Board of
               Trade (CBOT) September corn futures contract for each trading day of the period
               July 15 through August 14 of the current year, and dividing that total by the
               number of daily settlement prices.  The harvest price will be calculated by
               FCIC before August 20.

               Projected Price - Eighty-five (85) percent of the average derived by totaling
               the final closing daily settlement prices for the current year Chicago Board of
               Trade (CBOT) September corn futures contract for each trading day of February
               of the current year, and dividing that total by the number of daily settlement
               prices.  The projected price will be calculated by FCIC before March 5.

 9HC   2003    Hedging tree canopies is allowable.

 9HP   1998    ALLOWABLE COST:
               The allowable cost for harvested production will include the actual cost of
               harvesting, grading, packing containers, hauling and selling not to exceed
               $4.00 per container.

 9HR   2000    The FCI-33 CROP INSURANCE ACTUARIAL MAP applicable to wheat in this county will
               be applicable to IP Wheat.  Land designated as High Risk is not eligible for
               insurance according to the IP Wheat Crop Provisions.

 9HS   2003    The FCI-33 CROP INSURANCE ACTUARIAL MAP applicable to grain sorghum in this
               county will be applicable to IP Grain Sorghum.  Land designated as High Risk is
               not eligible for insurance according to the IP Grain Sorghum Crop Provisions.

 9HY   2003    * Barley or oats planted with or as a mixture of small grains.  Such mixture of
               small grains will be insurable corresponding to the predominate grain in the
               mixture (barley or oats).

 9I2   2003    The percentage factor, as stated in the Northern Potato Quality Endorsement,
               will be based on the actual average percentage of potatoes grading U.S. No. 1
               or better as determined from your records.  If less than four year of records
               are available, the factor will be calculated as follows:

                *Years of Actual      Actual Average     **Default      Percentage
                   Percentage            Percentage      Percentage        Factor
                      Record                (AAP)           (DP)            (PF)
                        0                  (0 AAP)    +  (4 DP)/4     =      PF
                        1                  (1 AAP)    +  (3 DP)/4     =      PF
                        2                  (2 AAP)    +  (2 DP)/4     =      PF
                        3                  (3 AAP)    +  (1 DP)/4     =      PF

               *Any actual average percentages must be submitted and certified in accordance
               with Actual Production History (APH) procedures.  Use of loss records showing
               the percentage of potatoes meeting the grade designations stated above must be
               used as an actual year of records for any year in which we determine the
               percentage of potatoes meeting the stated grades.

               **The default percentage is:

                            Fresh Market                    Processing

                            #1 or Better                   #1 or Better

               Russets          60                              60
               Red              75                              75
               White            75                              75

 9I3   2003    In lieu of Section 12(d)(1)(iii) of the crop provisions, the date potatoes
               would have reached full maturity will be 60 days prior to the calendar date for
               the end of the insurance period.

 9I4   2003    Any acreage in this county, which has been designated as high risk is
               identified on the FCI-33 CROP INSURANCE ACTUARIAL MAP, unless such acreage is
               reclassified by an FCI-33 CROP INSURANCE ACTUARIAL SUPPLEMENT.

 9I5   2003    In lieu of Section 12(d)(1)(iii) of the crop provisions, the date potatoes
               would have reached full maturity will be 90 days prior to the calendar date for
               the end of the insurance period.

 9I9   2003    The Storage Coverage Endorsement will attach only to stored potato production
               that is provided with a positive ventilated air flow furnished by generally
               accepted electro/mechanical means.  All other stored potato production will not
               be eligible for the Storage Coverage Endorsement.

 9IB   1999    Local Market Price - The cash grain price per bushel for the U.S. No. 2 grade
               barley offered by buyers in the area in which you normally market barley.  The
               local market price will reflect the maximum limits of quality deficiencies
               allowable for the U. S. No. 2 grade of barley.  Factors not associated with
               grading under the Official United States Standards for Grain, including but not
               limited to protein, oil or moisture content or milling quality will not be
               considered.

 9IC   2003    The FCI-33 CROP INSURANCE ACTUARIAL MAP applicable to corn in this county will
               be applicable to IP corn.  Land designated as HIGH RISK is not eligible for
               insurance according to the IP Corn Crop Provisions.

 9ID   2003    If insurable damage, by type, exceeds the percentage shown below, no production
               will be counted for the unit, or portion of the unit, unless onion production
               from that acreage is subsequently sold.

                                    TYPE                     PERCENTAGE
                                  170 Reds                       70
                                  180 Whites                     70
                                  190 Yellows                    70

 9IG   2003    Insurance will not attach to any acreage on which canola, mustard or rapeseed
               were planted the previous crop year.

 9IL   2003    Production to count will be based on the size classification for
               Repacker/Prepacker onions as defined in the United States Standards for Grades
               of Onions (Other Than Bermuda-Granex-Grano and Creole Types).

 9IP   2000    Certified Seed Endorsement Guarantee: For the purpose of Section 8
               of the Certified Seed Endorsement, the dollar amount per hundredweight
               (cwt) is $3.00 for acreage within Seed Potato Crop Management Areas as
               authorized under Title 22 Chapter 10 of Idaho Code (Rate Class Option Code 'CT'
               applicable).  For acreage not within a Seed Potato Crop Management
               Area the dollar amount per hundredweight (cwt) is $1.00 (Rate Class Option Code
               'CS' applicable).

 9IS   2003    In addition to Section 6(a) of the Safflower Crop Provisions, non-irrigated
               safflower planted on the land on which summerfallow practice has not occurred
               once in the most recent three-year period is uninsurable.

 9IT   1999    Insurable Types of Winter Squash will be limited to:  Acorn, Butternut and
               Buttercup varieties.

 9IU   2003    ****Insurable Varieties for Group B:  All Other varieties not contained under
               Group A.


 9IV   2003    **** Insurable Varieties for Group A:  Cabernet, Chardonnay, Merlot
               Pinot and Shiraz-Syrah and Viognier varieties.

 9IW   2001    Insurance will not attach to any acreage on which canola, sunflowers, dry
               edible beans, mustard, crambe, field peas, garbanzo beans, lentils,
               potatoes, rapeseed, sugar beets, safflowers, soybeans were planted in
               the previous crop year.

 9J1   1999    The Projected Price - The average derived by totaling the final closing daily
               settlement prices for the insured crop year Chicago Board of Trade (CBOT)
               November soybeans future contracts of each trading day from January 15 through
               February 14 prior to the sales closing date, and dividing that total by the
               number of daily settlement prices.  The projected price will be calculated by
               FCIC before February 20.

 9J2   1999    In lieu of the definition of Project Price in the Corn Crop Provisions - Income
               Protection, Project Price is the average derived by totaling the final closing
               daily settlement prices for the current year Chicago Board of Trade (CBOT)
               December corn futures contract for each trading day from January 15 through
               February 14 prior to the sales closing date, and dividing that total by the
               number of daily settlement prices.  The Projected Price will be calculated by
               FCIC before February 20.

 9J6   1996     *** Insurable Varieties: All varieties grown for wine.

 9J7   2003    * Insurable Varieties: All varieties of Muscadine Grapes.

 9J8   2003    Only vineyards with installed irrigation equipment are insurable.

 9J9   2003    Insurable age of vines: Vines must have reached the third growing
               season with the first growing season being the year set out if
               before May 1, or, the following year if set out after May 1.

 9JB   2000    ****Group B - 271 Insurable Varieties:  Chardonnay, Merlot, Syrah, Cabernet
               varieties, and/or Pinot varieties.

 9JC   2000    ****Group B - 271 Insurable Varieties:  Chardonnay, Merlot, Syrah and/or
               Cabernet varieties.


 9JF   2003    **** Group A 161 - Insurable Varieties:  Concord, Niagara, Campbell and
               other American hybrid varieties.

 9JH   2003    Insurable age of vines: Fourth growing season after being set out.

 9K0   2003    Allowable cost for harvesting and handling dry (bulb) onions to
               determine local market price (field run) per hundredweight will be $4.00
               per cwt.

 9K1   1998    If any of the production from any unit will be marketed directly to the
               consumer and/or total production from any unit cannot be determined by the
               earlier of prior to being placed in storage or upon delivery to a packer,
               processor, shipper, or buyer, a pre-harvest crop appraisal is required.
               Notification to us must be provided at least 15 days before harvest begins.

 9K3   1997    Red and white onions shall not be insurable on any acreage planted/
               seeded the previous crop year to onions including green, bunch, seed,
               chives, garlic, leek, or scallions unless otherwise designated by the
               Corporation.

 9K4   2003    Onions shall not be insurable on any acreage which was planted to dry
               (bulb) onions, green (bunch) onions, seed onions, chives, garlic, leek, or
               scallions the previous crop year unless otherwise designated by the
               Corporation.

 9K5   2003    Onions shall not be insurable on ground planted to dry (bulb) onions,
               green (bunch) onions, seed onions, chives, garlic, leek, or scallions in
                either of the previous two crop years unless the ground is properly
               fumigated.

 9K6   2003      ** Onions with cover crop include: Direct seeded onions planted with a
               spring cover crop (companion/nurse crop) or onion transplanted/sets
               planted without a spring cover crop.


 9K8   1997      ** Onions with cover crop include: a) direct seeded onions planted with
               a spring-planted cover crop(companion/nurse crop) which is established
               during the initial growing phase of the insured crop, and b) the cover
               crop is controlled and eliminated within 70 days after the initial
               planting of the applicable acreage, or c) onion transplanted/sets
               planted with a spring cover crop.

 9KA   2002    Savoy cabbage is not insurable.

 9KB   2003    Direct marketed cabbage is insurable.

 9KC   2003    Insurance will not attach to any acreage on which Blackleg was present in any
               of the previous four years.

 9KD   2003    If insurable damage, by type, exceeds the percentage shown below, no production
               will be counted for the unit, or portion of the unit, unless onion production
               from that acreage is subsequently sold.

                                    TYPE                     PERCENTAGE
                                  170 Reds                       50
                                  180 Whites                     50
                                  190 Yellows                    50

 9KE   2003    Optional units are not available by planting period or any other practice.

 9KF   2003    Insurance will not attach to any acreage on which Clubroot has been discovered.

 9KG   2003    Insurance will not attach to any acreage planted to cabbage or any other
               Brassicaceae crop (e.g., cauliflower, broccoli, etc.) in either of the two
               previous crop years.  NOTE:  The Brassicaceae family was formerly known as the
               Cruciferae or crucifer family.

 9KH   1999    Cabbage grown on land where no synthetic fertilizers or pesticides (including
               insecticides, herbicides, fungicides, and rodenticides) will be applied may be
               insurable by written agreement.

 9KI   2003    Cabbage acreage planted with non-hybrid seed is insurable.

 9KJ   2003    Insurance will not attach on any cabbage planted to ground treated with
               Aldicarb (Temik) within the last six (6) months.

 9KK   2002    Insurance will not attach on any acreage planted to cabbage infected with
               clubroot that has not been chemically treated, according to approved practices.

 9KL   2003    Insurance will not attach to any acreage planted to cabbage or any other
               Brassicaceae crop (e.g., cauliflower, broccoli, etc.) and was heavily infected
               by sclerotinia.  NOTE:  The Brassicaceae family was formerly known as the
               Cruciferae or crucifer family.

 9KM   2004    * Includes only Kinnow and Fairchild Mandarins.

 9KN   2004    **** Includes all varieties of mandarins and tangerines.

 9KO   2003    Insurance will not attach to any acreage on which Blackleg was present in any
               of the previous four years.

 9KP   2003    Insurance will not attach to any acreage on which Clubroot has been discovered.

 9L6   1997    Any acreage of potatoes planted for seed will not be eligible for
               the Potato Quality Option.

 9LB   2002    **** EXTRA EARLY varieties include:  Beardon, Farida, Fortuna, Frye, Loadel,
               Moffett, Shamel, Shasta, Tuscan, Vivian, Dixon, Carson, Squire, Sweeney, Tufts
               and Dee Six.

 9LC   2002    **** EARLIES varieties include:  Albright, Alcorn, Andora, Cortez, Hauss,
               Howard, Johnson, Palora, Peak, Pomeroy, Selma, Strawberry, Walton, Harter #2,
               Alton, #5A-3, Sierra, Noname, Ramos, Andross, Bowen, C.P.C. #114, Garmano,
               Jungerman and Klamt.

 9LD   2002    **** LATES varieties include:  Carolyn, Ross, Ellis, Fontana, Gaume, Halford,
               Hudelson, Libbee, McKnight, Orange, Presnell, Sims, Stanford, Sullivan #1,
               Sullivan #2, Sutter, Wiley, Williams, Zolezzi, #16-4, #18-A-2, #20-A-2, Johnson
               #2, Elliott, Monaco, Everts, McKune, Munson, Herrington, Dr. Davis and Rizzi.

 9LE   2002    **** EXTRA LATE varieties include:  Barton, Corona, Dahling, Dow, Gomes,
               Hagler, Haskell, Levi, Pederson, Phillips, Red Bird, Sherman, Sowell, Stabler,
               Stuart, Sullivan #4, Taylor, Terry, Wiser, Swetzer, Starn, Rand, Chandler,
               Plantz, White Heath, Faith, Merriam, #6-55, Hesse, Riegels and All Others.

 9LN   1999    Insurance will not attach to any acreage on which melons or any member of the
               Cucurbitaceae family were planted the previous crop year.

 9LO   1999    If the grower selects type (072) Late Oranges Fresh,  fresh fruit marketing
               records must be provided from at least one of the previous three years on the
               unit to be insured.

 9LP   2001    The producer subsidy percentages for Crop Revenue Coverage (CRC) crops are as
               follows:
                         LEVEL            PERCENTAGE
                          85%               0.130
                          80%               0.173
                          75%               0.235
                          70%               0.319
                          65%               0.417
                          60%               0.378
                          55%               0.461
                          50%               0.550

 9LQ   2000    The producer subsidy percentages for Crop Revenue Coverage (CRC) Rice are as
               follows:
                         LEVEL            PERCENTAGE
                          85%               0.155
                          80%               0.207
                          75%               0.275
                          70%               0.343
                          65%               0.423
                          60%               0.376
                          55%               0.458
                          50%               0.550

 9M1   1999    Insurance will not attach to any acreage on which melons or any member of the
               Cucurbitaceae family were planted in each of the previous three crop years;
               however, if the soil is fumigated, the melons will be insurable the second year
               after melon production (every other year).

 9M3   1999    If damage is discovered within 15 days prior to the beginning of harvest, you
               must not dispose of, store, or sell the damaged crop until after we have
               appraised the crop, and have given you written consent to do so.

 9M4   1999    Insurance will not attach to any acreage planted to non-certified seed.

 9MC   2000    Alfalfa Type (051)/Spring Seeded (Irr) Practice (092):  Normal stand is 12.0
               Alfalfa plants per square foot in a pure stand of alfalfa or a stand of alfalfa
               and grass in which 60 percent or more of the ground cover is alfalfa.

               Alfalfa Grass Mixture Type (052)/Spring Seeded (Irr) Practice (092):  Normal
               stand 4.0 Alfalfa plants per square foot in a mixed stand of alfalfa and grass
               in which alfalfa comprises more than 25 percent but less than 60 percent of the
               ground cover.

               Alfalfa Type (051)/Spring Seeded (Non-Irr) Practice (093):  Normal stand is 8.0
               Alfalfa plants per square foot in a pure stand of alfalfa or a stand of alfalfa
               and grass in which 60 percent or more of the ground cover is alfalfa.

               Alfalfa Grass Mixture Type (052)/Spring Seeded (Non-Irr) Practice (093):
               Normal stand is 2.7 Alfalfa plants per square foot in a mixed stand of alfalfa
               and grass in which alfalfa comprises more than 25 percent but less than 60
               percent of the ground cover.

 9MD   2003    Policy rotation requirements in Section 8(a) of the Onion Crop Insurance
               Provisions do not apply to any acreage insured in this county.

 9ME   2003    The tenderometer reading or sieve size used to determine the processor contract
               price for the shell types of peas will be:
               "105" Tenderometer Reading, or
               " 4 " Sieve Size for all varieties.

               The grade factor used to determine the processor contract price for the pod
               type of peas will be the processor's minimum quality and grade specification
               (specified in the processor's Grading Manual).

               If the processor contract provides a fixed price without regard to
               tenderometer reading, sieve size, or grade factor, such fixed price will be
               considered the processor contract price.

 9MF   2003    The tenderometer reading or sieve size used to determine the processor
               contract price for the shell type of peas will be:
               "105" Tenderometer Reading, or
               " 4 " Sieve Size for all varieties.

               If the processor contract provides a fixed price without regard to
               tenderometer reading, sieve size, or grade factor, such fixed price will be
               considered the processor contract price.

 9MG   2003    The grade factor used to determine the processor contract price for the pod
               type of peas will be the processor's minimum quality and grade specification
               (specified in the processor's Grading Manual) corresponding to the earliest
               planting interval.

               If the processor contract provides a fixed price without regard to
               tenderometer reading, sieve size, or grade factor, such fixed price will
               be considered the processor contract price.


 9MH   2003    The tenderometer reading or sieve size used to determine the processor contract
               price for the shell types of peas will be:
               "105" Tenderometer Reading, or
               " 4 " Sieve Size for all varieties.

               If the processor contract provides a fixed price without regard to
               tenderometer reading, sieve size, or grade factor, such fixed price will be
               considered the processor contract price.

 9MI   2003    The tenderometer reading or sieve size used to determine the processor contract
               price for the shell types of peas will be:
               "110" Tenderometer Reading, or
               " 4 " Sieve Size for all varieties.

               The grade factor used to determine the processor contract price for the pod
               type of peas will be the processor's minimum quality and grade specification
               (specified in the processor's Grading Manual).

               If the processor contract provides a fixed price without regard to
               tenderometer reading, sieve size, or grade factor, such fixed price will be
               considered the processor contract price.

 9MJ   2003    The tenderometer reading used to determine the processor contract price for the
               shell type of peas will be "110" Tenderometer Reading  corresponding to the
               non-superearly varieties.

               If the processor contract provides a fixed price without regard to
               tenderometer reading, sieve size, or grade factor, such fixed price will be
               considered the processor contract price.

 9MP   2003    The insured may choose any amount of protection ranging from 60 percent through
               100 percent of the maximum protection per acre.

 9MR   2003    Only grain varieties of 80 day Minnesota Relative Maturity (MRM) or less
               will be insurable as grain. Proof of variety planted must be provided by the
               acreage reporting date and placed in the insured's file.

 9MT   2004    **** Includes all varieties of mandarins and tangerines.

 9MW   2003    Allowable cost for harvested production will include the actual cost of
               picking, grading, packing containers, hauling and selling not to exceed $7.00
               per cwt.

               The minimum value to be used for harvested and appraised production will be
               $13.00 per cwt.

 9N1   2003    For CAT imputed premium calculation purposes, the total value, container and/or
               field grown plants, from the plant inventory report will be multiplied by .275
               times the insured share prior to applying the appropriate premium rate.

 9N2   1999    The price election percentage for CAT coverage will be 55 percent.

 9N3   1999    Please refer to the Nursery Eligible Plant Listing/Plant Price Schedule for the
               county hardiness zone designation.

 9N4   2003    Nursery plants grown in standard nursery containers that are placed in the
               ground, either directly or when placed in pots that are in the ground, ARE
               insurable.

 9N5   1999    Containers with vertical ribbing and air-root pruning slots that have no
               bottoms, meet the definition of standard nursery containers, provided the
               containers are placed on a barrier to prevent other than fibrous plant roots
               from penetrating the ground.

 9N6   2003    In lieu of Section 8(e) of the Nursery Crop Insurance Provisions, Non-Irrigated
               Field Grown plants will be insurable.

 9N7   2003    Scientific name: All cultivars of Crocus sp., Iris sp., Narcissus sp.,
               Tulips sp., and Hyacinthus sp. are insurable only after they are removed
               from cold storage, have broken dormancy, and are placed in the greenhouse
               (mandatory storage structure).  The roots must be established and at least one
               inch of shoot growth must be visible for insurability.

 9N8   2003    Scientific name: Spathiphyllum species and cultivars**

               **In order to be eligible for insurance coverage against flooding,
               spathiphyllum must be grown on benches or in some other way raised a minimum of
               4" off the ground.


 9NC   1999    The Nonstandard Classification System (NCS) base period is defined as the ten
               (10) consecutive crop years ending two (2) years prior to the crop year in
               which the NCS classification becomes effective.

 9NE   1999    For CAT imputed premium calculation purposes, the highest monthly value
               for each risk classification will be multiplied by .2475 prior to applying
               the appropriate premium rate.

 9NF   1999    CAT coverage will be equal to the result of multiplying the amount of
               insurance, as specified in subsection 1.(a) of the Nursery Crop Provisions,
               by .55.

 9NG   1999    For CAT coverage only, the amount of any indemnity will be determined by:
                 (1)   Subtracting field market value B from the lesser of: (i) field
                       market value A; or (ii) the highest monthly market value for the
                       unit reported on the nursery plant inventory summary multiplied
                       by .9;
                 (2)   Subtracting the monthly loss deductible (not to exceed the
                       remaining crop year loss deductible) from the product obtained in
                       (1) above;
                 (3)   Multiplying the product obtained in (2) above by .55; and
                 (4)   Multiplying the result by your share.

 9NL   2003    Scientific name: All cultivars of Ficus benjamina*, Fiscus retusa*,
               and Hibiscus rosa-sinensis*, and all species and cultivars for Ixora*

               *Leaf drop on this crop without death of the twigs, branches or stems
               is considered a normal response to cold and will not be considered as
               basis for a claim.  Death of the twigs, branches or stems is minimally required
               as a basis for claim.

 9NM   2003    In regards to the policy provisions, fumigation is not required if a valid
               Nematode Analysis Test is on file with the Insurance Provider and confirms
               that the planted acreage is not infested to a concentration exceeding 75 root
               knot nematodes per pint of soil.  Test samples must be taken while the plants
               are actively growing between fruit set and end of production in accordance with
               Cooperative Extension Service guidelines during the immediately preceding crop
               year and tested by the Nematode Diagnostic Clinic, University of Arkansas, SW
               Research and Extension Center.

 9NR   2000    The date shown in the Sales Closing Date column, 05/31/2000, is for first year
               policies only.  See the Nursery Crop Insurance Provisions, Section 9(a) for
               details.

 9NS   1999    Insurance experience criteria used to select persons for Nonstandard
               Classification System (NCS) adjustments may change from year to year.  Contact
               the Product Development Division, Federal Crop Insurance Corporation, Kansas
               City, Missouri, for a listing of the criteria.

               Alternate methods of determining the effects of adverse growing conditions on
               insurance experience are allowed and are described in approved procedures
               issued by the Federal Crop Insurance Corporation.

 9NY   2003    In lieu of the stage percentage provisions in section 1 Definitions,
               "Production Guarantee (per acre)" and the stage percentage provisions in
               sections 3(b)(1) and 3(b)(2) of the Onion Crop Provisions, the first stage
               production guarantee will be 50 percent of the final stage production guarantee
               and the second stage production guarantee will be 80 percent of the final stage
               production guarantee.

 9OA   2003    Pink includes California Pink.  Pinto includes the Mexican Pinto type
               but not the type known as Spotted Red Mexican.  Small Red is also known
               as Red Mexican, California Red and Idaho Red.

 9OC   2003    Small White is the type as grown on the Pacific Coast, not including
               Tepary.

 9OD   2003    Pink includes California Pink. Pinto includes the Mexican Pinto type but
               not the type known as Spotted Red Mexican.  Small Red is also known as Red
               Mexican, California Red and Idaho Red.  Small White is the type grown on
               the Pacific Coast, not including Tepary.  Baby Lima is characteristic of
               of the Small White Lima of the Henderson Bush, Thoroughgreens, and
               similar types.

 9OE   2003    Pinto includes the Mexican Pinto type but not the type known as Spotted
               Red Mexican.

 9OF   2003    Pink includes California Pink.  Pinto includes the Mexican Pinto type
               but not the type known as Spotted Red Mexican.

 9OG   2003    Small White is the type as grown on the Pacific Coast, not including
               Tepary.

 9OM   2003    Pink includes California Pink.  Small White is the type as grown on the
               Pacific Coast, not including Tepary.  Blackeye are Cowpeas of the Blackeye
               variety.  Baby Lima is characteristic of the Small White Lima of the
               Henderson Bush, Thoroughgreens, and similar types.

 9OO   2003    The applicable standards for onions in the following states will apply for this
               crop year:

                 Oregon and Washington

                  Non-Storage Type 205 Fall Planted White and Yellows --
                  U.S. Commercial Grade, under United States Standards of Onions
                  (Other than Bermuda-Granex-Grano and Creole Types)

                  Storage Types 175 Spring Planted Reds, 185 Spring Planted Whites,
                  and 195 Spring Planted Yellows--
                  U.S. No. 1 Grade, under United States Standards of Onions
                  (Other than Bermuda-Granex-Grano and Creole Types)

 9OQ   2003    Large Lima is characteristic of the Large White Pole and Burpee Bush
               Lima.

 9OS   2003    Pink includes California Pink.  Pinto includes the Mexican Pinto type
               but not the type known as Spotted Red Mexican.  Small Red is also known
               Red Mexican, California Red and Idaho Red.  Small White is the type grown
               on the Pacific Coast, not including Tepary.

 9OT   2003    Cranberry is known also as Speckled Cranberry and Horticultural Pole.
               Pinto include the Mexican Pinto type but not the type known as Spotted
               Red Mexican.  Small White is the type grown on the Pacific Coast, not
               including Tepary.  Small Red is also known as Red Mexican.

 9OU   1998    Optional units are NOT available.  Only basic units apply for each policy
               insured in the county.

 9OW   2003    Type means the classes of beans as identified in the United States
               Standards for Beans.

 9P1   2003    **** Insurable Winter Pear varieties include Anjou, Bosc, Comice,
               Forelle, Packham, Nelis (Winter), Seckels, Red Anjou, Red Comice,
               Red Seckels, and other Red Winter Pears.

 9PA   1999    The Producer Premium Percentage Table T2.1 applies to this crop.

 9PB   2003    In accordance with Section 8(b) of the Processing Bean Crop Insurance
               Provisions, we do not insure any processing bean acreage which was planted to
               snap beans, lima beans, green peas, mint, soybeans or sunflowers the previous
               crop year.

 9PC   2003    The producer premium is determined as follows:
               Amount of Insurance times Acres times Share times Base Premium Rate time Map
               Area Adjustment Factor time Rate Class Option Factor times Producer Premium
               Percentage.

 9PD   2003    For purposes of CAT, coverage will be equal to the approved average
               revenue times 27.5 percent.

 9PF   1999    The Producer Premium Percentage Table T2.6 applies to this crop.

 9PG   2003    A peanut crop which is properly planted, using a machine designed for such
               purpose, into existing vegetation, will be insurable provided the existing
               vegetation, i.e., small grains, legumes, cover crops, or existing weeds, is
               treated with a herbicide which is labeled and recommended for the purpose of
               killing the existing vegetation two to three weeks prior to planting the peanut
               crop.

 9PH   1999    The Producer Premium Percentage Table T2.2 applies to this crop.

 9PI   2001    The Producer Premium Percentage Table 2.11 applies to this crop.

 9PJ   1999    The Producer Premium Percentage Table T2.13 applies to this crop.

 9PK   2003    In addition to, or instead of, establishing optional units by non contiguous
               land, optional units may be established by type as provided by section 2(b) of
               the Stonefruit Crop Provisions.

 9PN   2003    Classification 002 is applicable to all acreage located north of State Route
               104 (Ridge Road) unless classified otherwise by the Corporation.

               Classification 001 is applicable to all acreage located south of State Route
               104 (Ridge Road) unless classified otherwise by the Corporation.

 9PO   1998       * Insurance will attach only on potatoes planted during the period of
               January 1 - March 1.

 9PP   1998    **** EARLY SEASON VARIETIES include:  Black Beaut, Dolly, Durado, Passion,
               Prima Black, Prima Dona, Red Beaut, Rich Red, Royal Red, Royal Zee, Santa Rosa,
               Showtime, Spring Beaut and Westener.

 9PQ   1998    **** MID SEASON VARIETIES include:  Aleta Rose, Black Diamond, Black Gold,
               Black   Premium, Black Torch, Blackamber, Challenger, El Dorado, Early Hawaiian
               Ann, Fortune, Frontier, July Santa Rosa, Laroda, Nubiana, Prime Time, Purple
               Majesty, Queen Rosa, Red Rosa, Red Jewel, Simka and Wickson.

 9PR   1998    **** LATE SEASON VARIETIES include:  Angeleno, Autumn Beaut, Autumn Giant,
               Black Flame, Black Knight, Casselman, Catalina, Freedom, French Prune, Friar,
               Gar Fantasy, Gar Red, Golden Globe, Grand Rosa, Howard Sun, Kelsey, King James,
               King's Black, King Diamond, King Richard, Late Santa Rosa, Linda Rosa, Mid Red,
               Midsummer, Moyer Prune, Prima Rosa, Queen Ann, Red Lane, Red Ram, Rosemary,
               Royal Diamond, Roysum, Scarlet Sun, Sharron's Plum, Sweetheart, Others.

 9PS   1999    The Producer Premium Percentage Table T2.2 applies to this crop.

 9PT   1998       * Insurance will attach only on potatoes planted during the period of
               March 1 - April 15.

 9PV   2003    In addition to, or instead of, establishing optional units by non contiguous
               land, optional units may be established by varietal group (type) as provided by
               section 2(b) of the Plum Crop Provisions.

 9PW   2001    Plums Varietal Listing by Type:

               Early Season              Mid-Season           Late Season

               Ambra                     Aleta Rose           Angeleno
               Black Beaut               Black Diamond        Autumn Beaut
               Durado                    Black Gold           Autumn Giant
               Earliqueen                Black Premium        Betty Anne
               First Beaut               Black Torch          Black Flame
               Frontier                  Blackamber           Black Knight
               Murietta                  Burgandy             Casselman
               Passion                   Catalina             Elephant Heart
               Prima Black               Challenger           Empress
               Prima Donna               Dolly                Freedom
               Purple Majesty            Early Hawaiian Ann   French Improved Prune
               Red Beaut                 El Dorado            French Prune
               Red Roy                   Emerald Beaut        Gar Fantasy
               Rich Red                  Fortune              Gar Red
               Rose Zee                  Friar                Golden Globe
               Royal Red                 Joanna Red           Grand Rosa
               Royal Zee                 July Santa Rosa      Howard Sun
               Santa Rosa                Kelsey               King Diamond
               Showtime                  Laroda               King James
               Spring Beaut              Mariposa             King Richard
               Westener                  Mid Red              King's Black
               Others                    Mid Summer           Late Santa Rosa
                                         Linda Rosa
                                         Queen Rosa           Moyer Prune
                                         Red Jewel            Nubiana
                                         Red Lane             October Gem
                                         Simka                October Sun
                                         Wickson              President
                                                              Prima Rosa
                                                              Prime Time
                                                              Queen Ann
                                                              Red Ram
                                                              Red Rosa
                                                              Rosemary
                                                              Royal Diamond
                                                              Roysum
                                                              Scarlet Sun
                                                              September King
                                                              Sharron's Plum
                                                              Sierra Sweet
                                                              Sweetheart

 9PY   2002    Plums Varietal Listing by Type:

               Early Season              Mid-Season              Late Season

               Ambra                     Aleta Rose                 Angee
               Andys Pride               Angeleno                   Autumn Rose
               Black Beaut               Autumn Beaut               Black Flame
               Burgandy                  Autumn Giant               Black Knight
               Durado                    Betty Anne                 Carolyn Harris
               Earliqueen                Black Diamond              Ebony Sun
               First Beaut               Black Gold                 Elephant Heart
               Frontier                  Black Premium              Empress
               Gar Rosa                  Black Torch                Gar Fantasy
               Murietta                  Blackamber                 Gar Red
               Passion                   Casselman                  Golden Globe
               Prima Black               Catalina                   Grand Rosa
               Prima Dona                Challenger                 Howard Sun
               Purple Majesty            Dolly                      Kelsey
               Red Beaut                 Early Hawaiian Ann         King David
               Red Roy                   Ebony                      King Diamond
               Rich Red                  El Dorado                  King James
               Rosa Ann                  Emerald Beaut              King Richard
               Rose Ann                  Fortune                    King's Black
               Rose Zee                  Freedom                    Linda Rosa
               Royal Red                 French Improved Prune      Moyer Prune
               Royal Zee                 French Prune               Nubiana
               Santa Rosa                Friar                      October Gem
               Spring Beaut              Improve Late Santa Rosa    October Sun
               Westener                  Joanna Red                 President
               Others                    July Red                   Prima Rosa
                                         July Santa Rosa            Prime Time
                                         Laroda                     Queen Ann
                                         Late Santa Rosa            Red Ram
                                         Mariposa                   Red Rosa
                                         Mid Red                    Red Sun
                                         Midsummer                  Rosemary
                                         Onyx Jewel                 Royal Diamond
                                         Queen Rosa                 Roysum
                                         Red Jewel                  Scarlet Sun
                                         Red Lane                   September King
                                         Showtime                   Sharron's Plum
                                         Simka                      Sierra Sweet
                                         Wickson                    Standard
                                                                    Sweetheart










 9Q1   2003    **** Potato acreage is insured under basic coverage excluding options.

 9Q2   2003    The percentage factor, as stated on the Northern Potato Quality Endorsement
               will be based on the actual average percentage of potatoes grading U.S. No. 1
               or U.S. No. 2 better, depending on the Endorsement you elect and as determined
               from your records.  If less than four year of records are available, the factor
               will be calculated as follows:

                *Years of Actual      Actual Average     **Default      Percentage
                   Percentage            Percentage      Percentage        Factor
                      Record                (AAP)           (DP)            (PF)
                        0                  (0 AAP)    +  (4 DP)/4     =      PF
                        1                  (1 APP)    +  (3 DP)/4     =      PF
                        2                  (2 AAP)    +  (2 DP)/4     =      PF
                        3                  (3 AAP)    +  (1 DP)/4     =      PF

               *Any actual average percentages must be submitted and certified in accordance
               with Actual Production History (APH) procedures. Use of loss records showing
               the percentage of potatoes meeting the grade designations stated above must be
               used as an actual year of records for any year in which we determine the
               percentage of potatoes meeting the stated grades.

               Percentages are based upon total pack out weight (net) or gross weight received
               for the applicable grade divided by the total harvested production minus dirt
               and foreign material.  If unharvested, the percent is based upon the sample
               gross weight for the applicable grade divided by the total sample weight.  If
               production is harvested and unharvested, a weighted average is applicable.

               **The default percentage is:

                               #1                        #2 or Better

                               65                            70

 9Q3   2003    The percentage factor, as stated on the Northern Potato Quality Endorsement
               will be based on the actual average percentage of potatoes grading U.S. No. 1
               or U.S. No. 2 or better for fresh market or U.S. No.1 or U.S. No. 2 or better
               for processing, depending on the Endorsement you elect and as determined from
               your records.  If less than four year of records are available, the factor will
               be calculated as follows:

                *Years of Actual      Actual Average     **Default      Percentage
                   Percentage            Percentage      Percentage        Factor
                      Record                (AAP)           (DP)            (PF)
                        0                  (0 AAP)    +  (4 DP)/4     =      PF
                        1                  (1 APP)    +  (3 DP)/4     =      PF
                        2                  (2 AAP)    +  (2 DP)/4     =      PF
                        3                  (3 AAP)    +  (1 DP)/4     =      PF

               *Any actual average percentages must be submitted and certified in accordance
               with Actual Production History (APH) procedures. Use of loss records showing
               the percentage of potatoes meeting the grade designations stated above must be
               used as an actual year of records for any year in which we determine the
               percentage of potatoes meeting the stated grades.

               Percentages are based upon total pack out weight (net) or gross weight of the
               applicable grade divided by the total harvested production minus dirt and
               foreign material.  If unharvested, the percent is based upon the sample gross
               weight of applicable grade divided by the total sample weight.  If production
               is harvested and unharvested, a weighted average is applicable.

               **The default percentage is:

                            Fresh Market                    Processing

                            #1     #2 or Better             #1     #2 or Better

                            70         75                   65         70

               Only Atlantic, Chipetta, FL-1291, New Norchip, Norchip, Snowdes, and Superior
               are insurable under Processing Quality Endorsement U.S. #1 (PA).

 9Q4   2003    **** Insurable varieties for Group A:  Atlantic, Chipetta, FL-1291, New
               Norchip, Norchip, Snowdes, and Superior.

 9Q5   2003    **** Insurable varieties for Group B:  All varieties not listed in Group A.

 9Q6   2003    For the purpose 12(d)(1)(iii) of the crop provisions, the date potatoes would
               have reached full maturity will be 85 days prior to the calendar date for the
               end of the insurance period.

 9Q7   2003    The percentage factor, as stated on the Northern Potato Quality Endorsement,
               will be based on the actual average percentage of potatoes grading U.S. No. 1
               or U.S. No. 2 or better, depending on the Endorsement you elect and as
               determined from your records.  If less than four year of records are available,
               the factor will be calculated as follows:

                *Years of Actual      Actual Average     **Default      Percentage
                   Percentage            Percentage      Percentage        Factor
                      Record                (AAP)           (DP)            (PF)
                        0                  (0 AAP)    +  (4 DP)/4     =      PF
                        1                  (1 APP)    +  (3 DP)/4     =      PF
                        2                  (2 AAP)    +  (2 DP)/4     =      PF
                        3                  (3 AAP)    +  (1 DP)/4     =      PF

               *Any actual average percentages must be submitted and certified in accordance
               with Actual Production History (APH) procedures.Use of loss records showing the
               percentage of potatoes meeting the grade designations stated above must be used
               as an actual year of records for any year in which we determine the percentage
               of potatoes meeting the stated grades.

               Percentages are based upon total pack out weight (net) or gross weight received
               for the applicable grade divided by the total harvested production minus dirt
               and foreign material.  If unharvested, the percent is based upon the sample
               gross weight for the applicable grade divided by the total sample weight.  If
               production is harvested and unharvested, a weighted average is applicable.

               **The default percentage is:

                                #1                         #2 or Better

                                70                              75

 9Q8   2003    The extended coverage provided by the Northern Potato Storage Coverage
               Endorsement will be provided only for production that is stored in a permanent
               structure specifically designed and generally accepted for the purpose of
               storing potatoes.

 9Q9   2002    Certified Seed Endorsement Guarantee: For the purpose of Section 8 of the
               Certified Seed Endorsement, the dollar amount per hundredweight (cwt) is $1.00.

 9QD   2003    Acreage planted using non-certified seed is insurable only if the seed
               stock is two years or less removed from certification.  If coverage is under an
               endorsement, acreage must be planted with certified seed.

 9R1   2003    The percentage factor, as stated on the Northern Potato Quality Endorsement
               will be based on the actual average percentage of potatoes grading U.S. No. 2
               or better as determined from your records.  If less than four year of records
               are available, the factor will be calculated as follows:

                *Years of Actual      Actual Average     **Default      Percentage
                   Percentage            Percentage      Percentage        Factor
                      Record                (AAP)           (DP)            (PF)
                        0                  (0 AAP)    +  (4 DP)/4     =      PF
                        1                  (1 APP)    +  (3 DP)/4     =      PF
                        2                  (2 AAP)    +  (2 DP)/4     =      PF
                        3                  (3 AAP)    +  (1 DP)/4     =      PF

               *Any actual average percentages must be submitted and certified in accordance
               with actual production (APH) procedures.  Use of loss records showing the
               percentage of potatoes meeting the grade designations stated above must be used
               as an actual year of records for any year in which we determine the percentage
               of potatoes meeting the stated grades.

               **The default percentage is:

                            Fresh Market                   Processing

                            #1 or Better                   #1 or Better

                               85                             85

 9R2   2003    The percentage factor, as stated on the Northern Potato Quality Endorsement
               will be based on the actual average percentage of potatoes grading U.S. No. 2
               or better as determined from your records.  If less than four year of records
               are available, the factor will be calculated as follows:

                *Years of Actual      Actual Average     **Default      Percentage
                   Percentage            Percentage      Percentage        Factor
                      Record                (AAP)           (DP)            (PF)
                        0                  (0 AAP)    +  (4 DP)/4     =      PF
                        1                  (1 APP)    +  (3 DP)/4     =      PF
                        2                  (2 AAP)    +  (2 DP)/4     =      PF
                        3                  (3 AAP)    +  (1 DP)/4     =      PF

               *Any actual average percentages must be submitted and certified in accordance
               with actual production (APH) procedures.  Use of loss records showing the
               percentage of potatoes meeting the grade designations stated above must be used
               as an actual year of records for any year in which we determine the percentage
               of potatoes meeting the stated grades.

               **The default percentage is:

                                   Fresh Market                   Processing

                                   #1 or Better                   #1 or Better

               Russets/Shepodys       82                             82
               Others                 85                             85

 9R3   2003    In accordance with the Replant Payment section of the Income Protection Crop
               Provisions, the earliest date after which damage occurs, enabling a replant
               payment for the winter wheat type, will be November 15 of the year preceding
               the year of harvest.

 9R4   2003    In accordance with the Replant Payment section of the Income Protection Crop
               Provisions, the earliest date after which damage occurs, enabling a replant
               payment for the winter wheat type, will be November 5 of the year preceding the
               year of harvest.

 9R5   2003    In accordance with the Replant Payment section of the Income Protection Crop
               Provisions, the earliest date after which damage occurs, enabling a replant
               payment for the winter wheat type, will be October 15 of the year preceding the
               year of harvest.

 9R6   2003    In accordance with the Replant Payment section of the Income Protection Crop
               Provisions, the earliest date after which damage occurs, enabling a replant
               payment for the winter wheat type, will be October 31 of the year preceding the
               year of harvest.

 9R7   2003    In accordance with the Replant Payment section of the Income Protection Crop
               Provisions, the earliest date after which damage occurs, enabling a replant
               payment for the winter wheat type, will be November 30 of the year preceding
               the year of harvest.

 9R8   2003    In accordance with the Replant Payment section of the Income Protection Crop
               Provisions, the earliest date after which damage occurs, enabling a replant
               payment for the winter wheat type, will be December 15 of the year preceding
               the year of harvest.

 9RA   2003    In lieu of Section 7 (a) of the Rice Crop Provisions, rice acreage planted to
               rice the preceding year will be insurable.

 9RC   1998    Insurance will not attach to any acreage on which canola, mustard, crambe,
               field peas, garbanzo beans (chickpeas), lentils or rapeseed were planted either
               of the preceding two crop years.

 9RI   2003    In addition to the requirements specified in Section 1, (Definitions),
               "Planted" in the Rice Crop Insurance Provisions, the following must have
               occurred immediately following seeding.  If these activities have not occurred,
               the acreage will be considered "acreage seeded in any other manner" and will
               not be insurable:
                  1.  levees are surveyed and constructed,
                  2.  levee gates are installed and butted, and,
                  3.  the irrigation pump is operable, ready to be started in the event
                      sufficient rainfall has not been received, and turned on to provide
                      sufficient water for the purposes of germination or elimination of soil
                      crusting.

 9RS   2000    Approved Red Varieties:  Ember
                                        Garnet
                                        UI-37
                                        Cajun
                                        RNK001
               Varieties not approved above will be insurable only by written agreement.
               Requests for written agreements must be signed by you and submitted to
               your crop insurance agent by the sales closing date.

 9RT   2002    For the NIBR practices the Approved Black Turtle Soup Varieties are:
                                                      Black Magic
                                                      Domino
                                                      Midnight
                                                      Panther
                                                      T-39
                                                      UI-906
                                                      Shadow
                                                      UI-911
                                                      A.C. Harblack
               Varieties not approved above will be insurable only by written agreement.
               Requests for written agreements must be signed by you and submitted to
               your crop insurance agent by the sales closing date.

 9S0   1998      ** Fall Planting Period - August 1 through August 31.

 9S1   1998      ** Spring Planting Period - February 25 through April 30.

 9S4   2003    The percentage factor, as stated on the Northern Potato Quality Endorsement,
               will be based on the actual percentage of potatoes grading U.S. No. 2 or
               better as determined from your records.  If less than four years of records
               are available, the percentage factor will be calculated as follows:

               *Years of Actual      Actual Average       **Default        Percentage
                  Percentage           Percentage         Percentage         Factor
                    Records              (AAP)               (DP)             (PF)
                       0                 (0 AAP)      +    (4 DP)/4     =      PF
                       1                 (1 AAP)      +    (3 DP)/4     =      PF
                       2                 (2 AAP)      +    (2 DP)/4     =      PF
                       3                 (3 AAP)      +    (1 DP)/4     =      PF

               *Any actual average percentages must be submitted and certified in accordance
               with Actual Production History (APH) procedures. Use of loss records showing
               the percentage of potatoes meeting the grade designations stated above must be
               used as an actual year of records for any year in which we determine the
               percentage of potatoes meeting the stated grades.

               **The default percentage is:

                            Fresh Market
                            #2 or Better

                                65

 9S5   1999    The Corn Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place
               decimals).  No other quality factors will be considered in determining
               production to count.  The QA Factor (not less than zero) will be
               multiplied by the number of bushels remaining after any reduction due
               to excessive moisture (in accordance with the Revenue Assurance Corn Crop
               Provisions) to determine the net production to count.  Any grain which,
               due to insurable causes, has zero market value (net zero market value after
               consideration of additional costs to deliver damaged grain to a market of
               reasonable distance outside your local marketing area) will not be considered
               production to count if the production is destroyed.  Production that is not
               destroyed in a manner acceptable to us will be adjusted in accordance with the
               rules below for the respective types and levels of damage.  Additional costs to
               deliver grain outside your local market will be allowed only for types and
               levels of damage included in section 3.

               1  Corn will be discounted for low test weight as follows:
                  Test Weight Pounds   DF      Test Weight Pounds       DF
                  49 and above        None          38-38.99           .184
                  48-48.99            .054          37-37.99           .198
                  47-47.99            .064          36-36.99           .212
                  46-46.99            .075          35-35.99           .226
                  45-45.99            .085          34-34.99           .240
                  44-44.99            .100          33-33.99           .254
                  43-43.99            .114          32-32.99           .268
                  42-42.99            .128          31-31.99           .282
                  41-41.99            .142          30-30.99           .296
                  40-40.99            .156          Below 30 - See Section 3
                  39-39.99            .170

               2  Corn will be discounted for excessive kernel damage (excluding heat
                  damage) as follows:
                  Kernel Damage %   DF   Kernel Damage %  DF   Kernel Damage %  DF
                    10 and below   None    18.01-19      .079    27.01-28      .127
                    10.01-11       .030    19.01-20      .085    28.01-29      .131
                    11.01-12       .036    20.01-21      .091    29.01-30      .135
                    12.01-13       .043    21.01-22      .097    30.01-31      .139
                    13.01-14       .049    22.01-23      .102    31.01-32      .143
                    14.01-15       .056    23.01-24      .108    32.01-33      .147
                    15.01-16       .062    24.01-25      .114    33.01-34      .150
                    16.01-17       .068    25.01-26      .118    34.01-35      .154
                    17.01-18       .073    26.01-27      .122    Above 35 - See Section 3

               3  Corn with (A) a test weight below 30 pounds per bushel and/or kernel
                  damage above 35 percent; (B) a musty, sour, or commercially objection-
                  able foreign odor; or (C) the presence of substances or conditions
                  identified by the Food and Drug Administration or other public health
                  organizations of the United States as injurious to human or animal
                  health; may be allowed a Discount Factor. To determine the Discount
                  Factor, the reduction in value (RIV) caused by the deficiences, sub-
                  stances, or conditions allowed in (A), (B), and/or (C) will be deter-
                  mined and the total will be divided by the Posted County Price (PCP)*.
                  The RIV will not include any price reduction resulting from any discount
                  factors that are included in sections 1 and 2.

                  A  The RIV's specified in section 3 will be limited to those that are
                     usual, customary, and reasonable.  If the RIV can be decreased by
                     conditioning the production, the RIV after conditioning may be
                     increased by the cost of conditioning, provided that the resulting
                     RIV does not exceed the RIV before conditioning.  No RIV will be
                     accepted if it is due to (1) moisture content; (2) damage due to
                     uninsured causes; or (3) drying, handling, processing, or any other
                     costs associated with normal harvesting, handling, and marketing of
                     the production.

 9S6   1999       B  RIV's used will be those in the local market area in which you
                     normally market the crop, to the extent feasible.  If the RIV for
                     a buyer located outside your local market area is less than the RIV
                     in your local market area, then the RIV may be increased by the
                     additional costs required to deliver the production to the buyer,
                     provided that the resulting RIV does not exceed the RIV in your local
                     market area.  If the damaged production has been sold, the Discount
                     Factor will be based upon the RIV's applied by the buyer unless it
                     is determined that such RIV's are not usual, customary, and
                     reasonable.

                  C  For production we determine has no value in and outside your local
                     market area, you may offer a value or may intend to utilize such
                     production in a manner which establishes  a value.  In such cases, the
                     value we agree to will be utilized in accordance with our approved
                     procedures to determine the RIV for quality adjustment purposes
                     according to section 3 herein.

                  D  The RIV's and PCP will be those in effect on the earlier of the date
                     such quality-adjusted production is sold or the date of final
                     inspection for the unit.

                  *  "Posted County Price (PCP)" is the price established by the Commodity
                     Credit Corporation (CCC) for yellow corn for the county shown on your
                     application.  If multiple counties are shown on your application, it
                     is the county in which the insured unit is located.  If the CCC
                     discontinues establishing PCP's for the county, the PCP will be the
                     Local Market Price as defined in the Revenue Assurance Corn Crop
                     Provisions.

 9S7   1999    SOYBEAN QUALITY ADJUSTMENT FACTOR:
               The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the
               number of bushels remaining after any reduction due to excessive moisture
               (in accordance with the Revenue Assurance Soybeans Crop Provisions) to
               determine the net production to count.  Any grain which, due to insurable
               causes, has zero market value (net zero market value after consideration of
               additional costs to deliver damaged grain to a market of reasonable distance
               outside your local marketing area) will not be considered production to count
               if the production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for the
               respective types and levels of damage.  Additional costs to deliver grain
               outside your local market will be allowed only for types and levels of damage
               included in Section 4.

               1  Soybeans will be discounted for low test weight as follows:
                  Test Weight Pounds    DF      Test Weight Pounds    DF
                     49 and above      None        38-38.99          .065
                     48-48.99          .010        37-37.99          .071
                     47-47.99          .014        36-36.99          .077
                     46-46.99          .017        35-35.99          .084
                     45-45.99          .020        34-34.99          .090
                     44-44.99          .026        33-33.99          .096
                     43-43.99          .033        32-32.99          .103
                     42-42.99          .039        31-31.99          .109
                     41-41.99          .045        30-30.99          .116
                     40-40.99          .052        Below 30 - See Section 4
                     39-39.99          .058

               2  Soybeans will be discounted for excessive kernel damage (excluding heat
                  damage) as follows:
                  Kernel Damage %   DF    Kernel Damage %   DF    Kernel Damage %   DF
                     8 and below   None      17.01-18      .060      27.01-28      .091
                     8.01-9        .031      18.01-19      .063      28.01-29      .095
                     9.01-10       .034      19.01-20      .066      29.01-30      .098
                    10.01-11       .037      20.01-21      .069      30.01-31      .101
                    11.01-12       .040      21.01-22      .072      31.01-32      .104
                    12.01-13       .044      22.01-23      .075      32.01-33      .107
                    13.01-14       .047      23.01-24      .079      33.01-34      .111
                    14.01-15       .050      24.01-25      .082      34.01-35      .114
                    15.01-16       .053      25.01-26      .085  Above 35 - See Section 4
                    16.01-17       .056      26.01-27      .088

               3  Soybeans will be discounted for a musty odor, sour odor, or commercially
                  objectionable foreign odor (COFO) as follows:

                  Musty Odor = .008      Sour Odor = .016     COFO = .016

               4  Soybeans with (A) a test weight below 30 pounds per bushel and/or kernel
                  damage above 35 percent; (B) a garlicky soybean grade; or (C) the
                  presence of substances or conditions identified by the Food and Drug
                  Administration or other public health organizations of the United States
                  as injurious to human or animal health; may be allowed a Discount
                  Factor.  To determine the Discount Factor, the reduction in value
                  (RIV) caused by the deficiencies, substances, or conditions allowed
                  in (A), (B), and/or (C) will be determined and the total will be
                  divided by the Posted County Price (PCP)*.  The RIV will not include
                  any price reduction resulting from any discount factors that are
                  included in sections 1, 2, and 3.

                  A  The RIV's specified in section 4 will be limited to those that are
                     usual, customary, and reasonable.  If the RIV can be decreased by
                     conditioning the production, the RIV after conditioning may be
                     increased by the cost of conditioning, provided that the resulting
                     RIV does not exceed the RIV before conditioning.  No RIV will be
                     accepted if it is due to (1) moisture content; (2) damage due to
                     uninsured causes; or (3) drying, handling, processing, or any other
                     costs associated with normal harvesting, handling, and marketing of
                     the production.

 9S8   1999       B  RIV's used will be those in the local market area in which you
                     normally market the crop, to the extent feasible.  If the RIV for
                     a buyer located outside your local market area is less than the RIV
                     in your local market area, then the RIV may be increased by the
                     additional costs required to deliver the production to the buyer,
                     provided that the resulting RIV does not exceed the RIV in your local
                     market area.  If the damaged production has been sold, the Discount
                     Factor will be based upon the RIV's applied by the buyer unless it
                     is determined that such RIV's are not usual, customary, and
                     reasonable.

                  C  For production we determine has no value in and outside your local
                     market area, you may offer a value or may intend to utilize such
                     production in a manner which establishes a value.  In such cases, the
                     value we agree to will be utilized in accordance with our approved
                     procedures to determine the RIV for quality adjustment purposes
                     according to section 4 herein.

                  D  The RIV's and PCP will be those in effect on the earlier of the date
                     such quality-adjusted production is sold or the date of final
                     inspection for the unit.

                  * "Posted County Price (PCP)" is the price established by the Commodity
                  Credit Corporation (CCC) for soybeans for the county shown on your
                  application. If multiple counties are shown on your application, it is the
                  county in which the insured unit is located.  If the CCC discontinues
                  establishing PCP's for the county, the PCP will be the Local Market Price as
                  defined in the Revenue Assurance Soybeans Crop Provisions.

 9SA   2003    The End of Insurance Date is the last day of the 12th month after the insured
               crop was initially planted.

 9SB   2003    The Acreage Reporting Date is the earlier of thirty (30) days after the
               planting of any acreage, or the Acreage Reporting Date displayed on the Special
               Provisions for this county crop program.

 9SC   2003    The Late Planting Provisions as contained in the Basic Provisions will apply to
               this county crop program.

 9SF   2000    Subparagraph 11 (d) (3) (ii) of the Safflower Crop Provisions does not apply.
               In lieu of subparagraph 11 (d) (2) of the Safflower Crop Provisions, safflower
               will be eligible for quality adjustment if it has a musty, sour, or
               commercially objectionable foreign odor or if it has a test weight below 35
               pounds per bushel or has kernel damage in excess of 25 percent.  Included, are
               substances or conditions if present, including mycotoxins, that are identified
               by the Food and Drug Administration or other public health organizations of the
               United States as being injurious to human or animal health.  Production of
               safflower that is eligible for quality adjustment will be reduced as follows:

               The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the number of
               pounds remaining after any reduction due to excessive moisture (in accordance
               with the Safflower Crop Provisions) to determine the net production to count.
               Any safflower seed which, due to insurable causes, has zero market value (net
               zero market value after consideration of additional costs to deliver damaged
               safflower seed to a market of reasonable distance outside your local marketing
               area) will not be considered production to count if the production is destoyed.
               Production that is not destroyed in a manner acceptable to us will be adjusted
               in accordance with the rules below for the respective types and levels of
               damage.  Additional costs to deliver safflower seed outside your local market
               will be allowed only for types and levels of damage included in section 3.

               1  Safflower will be discounted for excessive kernel damage (excluding heat
               damage) as follows:

               Kernel Damage %     DF   Kernel Damage %      DF   Kernel Damage %     DF
                  25 and above    None     29.01-30         .325     35.01-36        .431
                  25.01-26        .255     30.01-31         .343     Above 36 - See Section 3
                  26.01-27        .272     31.01-32         .361
                  27.01-28        .290     32.01-33         .378
                  28.01-29        .308     33.01-34         .396
                  29.01-30        .325     34.01-35         .414

               2  Safflower will be discounted for musty odor, sour odor, and commercially
               objectionable foreign odor (COFO) as follows:

                  Musty Odor = .035        Sour Odor = .035        COFO = .050

               3  Safflower with (A) a test weight below 35 pounds per bushel; (B) a kernel
               damage percentage above 36 percent; and/or (c) the presence of substances or
               conditions identified by the Food and Drug Administration or other public
               health organizations of the United States as injurious to human or animal
               health; may be allowed a Discount Factor.  To determine the Discount Factor,
               the reduction in value (RIV) caused by the deficiencies, substances, or
               conditions allowed in (A), (B), and/or (C) will be determine and the total will
               be divided by the Regionally Constructed Price (RCP)*.  The RIV will not
               include any price reduction resulting from any Discount Factors that are
               included in sections 1 and 2.

 9SG   2000    A  The RIV's specified in section 3 will be limited to those that are
               usual, customary, and reasonable. If the RIV can be decreased by
               conditioning the production, the RIV after conditioning may be
               increased by the cost of conditioning, provided that the resulting RIV
               does not exceed the RIV before conditioning. No RIV will be accepted if
               it is due to (1) moisture content; (2) damage due to uninsured causes;
               or (3) drying, handling, processing, or any other costs associated with
               normal harvesting, handling, and marketing of the production.

               B  RIV's used will be those in the local market area in which you normally
               market the crop, to the extent feasible. If the RIV for a buyer located
               outside your local market area is less than the RIV in your local market
               area, then the RIV may be increased by the additional costs required to
               deliver the production to the buyer, provided that the resulting RIV
               does not exceed the RIV in your local market area. If the damaged
               production has been sold, the Discount Factor will be based upon the
               RIV's applied by the buyer unless it is determined that such RIV's are
               not usual, customary, and reasonable.

               C  For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such production
               in a manner which establishes a value.  In such cases, the value we agree
               to will be utilized in accordance with our approved procedures to determine
               the RIV for quality adjustment purposes according to section 3 herein.

               D  The RIV's and RCP will be those in effect on the earlier of the date
               such quality-adjusted production is sold or the date of final inspection
               for the unit.

               *  "Regionally Constructed Price (RCP)" is the price established by the
               Commodity Credit Corporation (CCC) for safflower in the county shown on your
               application.  If multiple counties are shown on your application, it is the
               county in which the insured unit is located. If the CCC discontinues
               establishing RCP's for the county, the RCP will be the Local Market Price as
               defined in the Safflower Crop Provisions.

 9SH   2003    Sunflower seed acreage initially planted in rows not far enough apart to
               permit cultivation (NIBR) will be insurable only by written agreement.  The
               NIBR practice may be insurable if you have and provide:

                    A minimum of one (1) year Actual Production History (APH) for the
                      NIBR practice.
                    A minimum of one (1) non-loss years for the NIBR practice.
                    Evidence of NIBR farming practices and adaptability.

               Contact your insurance provider by the sales closing date to complete your
               request for a written agreement.

 9SI   2000    Alfalfa (Type 051)/Spring Seeded Irrigated (Practice 092):  Normal stand is 8.0
               alfalfa plants per square foot.

 9SJ   2000    Alfalfa Grass Mixture (Type 052) Spring Seeded Irrigated (Practice 092):
               Normal stand is 2.7 alfalfa plants per square foot.

 9SK   2000    Alfalfa (Type 051)/Spring Seeded Non-Irrigated (Practice 093):  Normal stand is
               6.4. alfalfa plants per square foot.

 9SL   2000    Alfalfa Grass Mixture (Type 052) Spring Seeded Non-Irrigated (Practice 093):
               Normal stand is 2.1 alfalfa plants per square foot.

 9SM   2004    * Includes all varieties of mandarins and tangerines except for Satsuma
               mandarins.

 9SN   2003    As provided in Section 9.(c) of the Forage Seeding Crop Provisions harvest
               of the forage after August 5 of the seeding year will end the insurance period.

 9SO   2003    As provided in Section 9.(c) of the Forage Seeding Crop Provisions harvest
               of the forage after August 15 of the seeding year will end the insurance
               period.

 9SP   2000    Alfalfa (Type 051)/Spring Seeded (Practice 090):  Normal stand is 8.0 Alfalfa
               plants per square foot.

 9SQ   2000    Alfalfa Grass Mixture (Type 052) Spring Seeded (Practice 090):  Normal stand is
               2.7 alfalfa plants per square foot.

 9SR   2003    Alfalfa (Type 051):  Normal stand is 12.0 alfalfa plants per square foot.

 9ST   2003    Alfalfa/Grass Mixture (Type 052):  Normal stand is 8.0 alfalfa plants per
               square foot.

 9SU   2001    **** Apple acreage on which neither a Fresh Fruit Option nor the Sunburn
               Option is in effect.

 9SV   1999    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the number
               of pounds remaining after any reduction due to excessive moisture (in
               accordance with the Sunflower Seed Crop Provisions) to determine the net
               production to count.  Any grain which, due to insurable causes, has zero
               market value (net zero market value after consideration of additional costs to
               deliver damaged grain to a market of reasonable distance outside your local
               marketing area) will not be considered production to count if the production is
               destroyed.  Production that is not destroyed in a manner acceptable to us will
               be adjusted in accordance with the rules below for the respective types and
               levels of damage.  Additional costs to deliver grain outside your local market
               will be allowed only for types and levels of damage included in Section 6.

               1 Sunflower seed - Oil type will be discounted for low test weight as
                 follows:

                 Test Weight Pounds  DF  Test Weight Pounds  DF   Test Weight Pounds  DF
                  25 and above      None  20-20.99          .085   15-15.99          .171
                  24-24.99          .017  19-19.99          .102   14-14.99          .188
                  23-23.99          .034  18-18.99          .120   13-13.99          .205
                  22-22.99          .051  17-17.99          .137  Below 13 - See Section 6
                  21-21.99          .068  16-16.99          .154

               2 Sunflower seed - Oil type will be discounted for kernel damage (excluding
                 heat damage) as follows:

                 Kernel Damage %   DF     Kernel Damage %  DF   Kernel Damage %  DF
                   10 and below   None     13.01-14       .244   17.01-18       .395
                   10.01-11       .132     14.01-15       .282   18.01-19       .432
                   11.01-12       .169     15.01-16       .319   19.01-20       .470
                   12.01-13       .207     16.01-17       .357   Above 20 - See Section 6

               3 Sunflower seed - Oil type will be discounted for musty odor, sour odor,
                 and commercially objectionable foreign odor (COFO) as follows:

                 Musty odor = .043        Sour odor = .043      COFO = .060

               4 Sunflowers seed - Non-oil type will be discounted for low test weight as
                 follows:

                  Test Weight Pounds  DF  Test Weight Pounds  DF  Test Weight Pounds  DF
                    22 and above     None   18.00-18.49     .154   15.00-15.49      .329
                    21.00-21.99      .018   17.50-17.99     .183   14.50-14.99      .359
                    20.00-20.99      .037   17.00-17.49     .212   14.00-14.49      .388
                    19.50-19.99      .066   16.50-16.99     .242   13.50-13.99      .417
                    19.00-19.49      .095   16.00-16.49     .271   13.00-13.49      .447
                    18.50-18.99      .124   15.50-15.99     .300  Below 13 - See Section 6

               5 Sunflower seed - Non-oil type will be discounted for musty odor, sour
                 odor, and COFO as follows:

                 Musty odor = .037           Sour odor = .037         COFO = .051

 9SW   1999    6 Sunflower seed with (A) a test weight below 13 pounds per bushel for
                 oil type and non-oil type; (B) a kernel damage percentage above 20
                 percent for oil type; (C) a kernel damage percentage above 5 percent
                 for non-oil type; (D) the presence of substances or conditions
                 identified by the Food and Drug Administration or other public health
                 organizations of the United States as injurious to human or animal
                 health; may be allowed a discount factor.  To determine the Discount
                 Factor, the reduction in value (RIV) caused by the deficiencies,
                 substances or conditions allowed in (A), (B), (C), and/or (D) will be
                 determined and the total will be divided by the Regionally Constructed
                 Price (RCP)*. The RIV will not include any price reduction resulting from
                 any Discount Factors that are included in sections 1, 2, 3, 4, and 5.

               A The RIV's specified in section 6 will be limited to those that are
                 usual, customary, and reasonable.  If the RIV can be decreased by con-
                 ditioning the production, the RIV after conditioning may be increased by
                 the cost of conditioning, provided that the resulting RIV does not exceed
                 the RIV before conditioning.  No RIV will be accepted if it is due to (1)
                 moisture content; (2) damage due to uninsured causes; or (3) drying,
                 handling, processing, or any other costs associated with normal harvest-
                 ing, handling, and marketing of the production.

               B RIV's used will be those in the local market area in which you normally
                 market the crop, to the extent feasible.  If the RIV for a buyer located
                 outside your local market area is less than the RIV in your local market
                 area, then the RIV may be increased by the additional costs required to
                 deliver the production to the buyer, provided that the resulting RIV does
                 not exceed the RIV in your local market area.  If the damaged production
                 has been sold, the Discount Factor will be based upon the RIV's applied
                 by the buyer unless it is determined that such RIV's are not usual,
                 customary and reasonable.

               C For production we determine has no value in and outside your local market
                 area, you may offer a value or may intend to utilize such production in a
                 manner which establishes a value.  In such cases, the value we agree to will
                 be utilized in accordance with our approved procedures to determine the
                 RIV for quality adjustment purposes according to section 6 herein.

               D The RIV's and RCP will be those in effect on the earlier of the date
                 such quality-adjusted production is sold or the date of final inspection
                 for the unit.

               * "Regionally Constructed Price (RCP)" is the price established by the
                 Commodity Credit Corporation (CCC) for sunflower seed in the county shown
                 on your application.  If multiple counties are shown on your application,
                 it is the county in which the insured unit is located.  If the CCC
                 discontinues establishing RCP's for the county, the RCP will be the Local
                 Market Price as defined in the Sunflower Seed Crop Provisions.

 9SX   2003    Red Clover (Type 054):  Normal stand is 16.0 red clover plants per square foot.

 9T1   2003    The insured must provide the Insurance Provider a copy of their tomato
               processor contract(s) the earlier of August 20 or the date of damage to the
               insured crop.

 9T2   2003    The insured must provide the Insurance Provider a copy of their tomato
               processor contract(s) the earlier of the acreage reporting date or the date of
               damage to the insured crop.

 9T3   2003    In addition to the Guaranteed Production Plan of Fresh Market Tomato Crop
               Insurance Provisions under Section 8 (e) (4) Insured Crop, ROMA and PLUM
               Tomatoes will be insurable.

 9T4   1998    Total production to count for ROMA and PLUM type tomatoes for a unit will
               include all harvested and appraised production determined to be marketable.  A
               classification size minimum of 1.5 inches in diameter for ROMA and PLUM
               tomatoes applies to the definition of Potential Production, as defined in
               Section 1. and Section 13. Settlement of Claim (7)(D)(iii)(B) and
               (7)(D)(v)(B)(ii)(B).

 9T5   2003    In accordance with Section 3(d) of the Guaranteed Production Plan of Fresh
               Market Tomato Crop Insurance Provisions, the production guarantees for ROMA and
               PLUM Tomatoes will be the same as specified in Section 3(b)(1).

 9T6   2003    In accordance with Section 12(b)(2) of the Guranteed Production Plan of Fresh
               Market Tomato Crop Insurance Provisions, the replanting payment per acre for
               ROMA and PLUM tomatoes will be the same as specified in Section 12(b)(1).

 9T7   2003    In addition to the Guaranteed Production Plan of Fresh Market Tomato Crop
               Provisions, under section 8.(e)(4) Insured of these crop provisions,
               CHERRY, GRAPE, ROMA, AND PLUM type tomatoes will be insurable.







 9T8   2003    A classification size minimum of 1.5 inches in diameter and 2.0 inches in
               length for PLUM and ROMA tomatoes applies to the definition of potential
               production under Section 1. and to Section 13.  Settlement of Claim -
               (7)(D)(ii)(B) and (7)(D)(v)(B)(ii)(B).



 9T9   2003    A classification size minimum of  inch in diameter for CHERRY tomatoes
               applies to the definition of potential production under Section 1. and to
               Section 13.  Settlement of Claim  (7)(D)(iii)(B) and (7)(D)(v)(B)(ii)(B).






 9TA   2001    The END OF INSURANCE DATES for specific types are as follows:

                         TYPE                                        END OF INSURANCE DATE

               Perlette, Cardinal                                         August 1
               Exotic, Superior Seedless                                  August 31
               Flame Seedless, Red Malaga, Queen,Thompson Seedless        September 15
               Black Seedless, Fantasy Seedless                           September 15
               Black Rose Italia                                          September 30
               White Malaga, Ribier, Ruby Seedless                        October 15
               All Others                                                 October 31


 9TB   2003    Total production to count for ROMA and PLUM type tomatoes for a unit will
               include all harvested and appraised production determined to be marketable.  A
               classification size minimum of 1.5 inches in diameter for ROMA and PLUM
               tomatoes applies to the definition of Potential Production, as defined in
               Section 1. and Section 13. Settlement of Claim (c)(1)(iii)(B) and
               (c)(2)(ii)(B).

 9TE   2003    In accordance with Section 3.(d) of the Guaranteed Production Plan of
               Fresh Market Tomato Crop Insurance Provisions, the production guarantees
               for CHERRY, GRAPE, ROMA, and PLUM type tomatoes will be the same as
               specified in Section 3.(b)(2).





 9TK   2003    All apple acreage lying north of Township 11N and east of Range 30E will have a
               T yield of 300, 35# loose field boxes.  All apple acreage lying west of Range
               30E or Range 18W will have a T yield of 870 35# loose field boxes.

 9TM   2003    A carton of CHERRY tomatoes is defined as a container that contains
               12 one pint baskets a total weight of 15 pounds.



 9TO   2003    Optional units on separate acreage planted to tomatoes must consist of a
               minimum of forty (40) acres.  Acreage that is less than forty (40) acres will
               attach to the closest unit within the section, section equivalent or FSA Farm
               Serial Number.

 9TP   1998      ** Fall Transplanting Period - July 1 thorugh August 20.

 9TS   2003    In accordance with Section 12.(2) of the Guaranteed Production Plan of
               Fresh Market Tomato Crop Insurance Provisions, the replanting payment per
               acre for CHERRY, GRAPE, ROMA, and PLUM tomatoes will be the same as
               specified in Section 12.(1).



 9TT   2003    For insurance purposes, tobacco acreage planted on any farm on which FSA
               approves a special combination will be considered as planted on the FSN
               assigned by FSA as the designated farm of record.

 9U1   2001    The percentage factor, as stated in the Potato Quality Endorsement, will be
               based on the actual average percentage of potatoes grading U.S. No. 1 or
               U.S. No. 2 or better for Group A potatoes or U.S. No. 2 or better for Group
               B potatoes as determined from your records.  If less than four years of
               records are available, the percentage factor will be calculated as follows:

               *Years of Actual      Actual Average       **Default       Percentage
                  Percentage          Percentage          Percentage        Factor
                    Records              (AAP)               (DP)            (PF)
                       0                 (0 AAP)     +     (4 DP)/4    =      PF
                       1                 (1 AAP)     +     (3 DP)/4    =      PF
                       2                 (2 AAP)     +     (2 DP)/4    =      PF
                       3                 (3 AAP)     +     (1 DP)/4    =      PF

               *Any actual percentages must be submitted and certified in accordance with the
               Actual Production History (APH) procedures.  Use of loss records showing the
               percentage of potatoes meeting the grade designations stated above must be used
               as an actual year of records for any year in which we determine the percentage
               of potatoes meeting the stated grades.

               **The default percentage is;

                             Fresh Market                      Processing

                         #1        #2 or Better               #1         #2 or Better

                Group A  60             70                    60              90
                Group B  70             75                    75              85

 9UR   2003    The appropriate proration factor for a peak inventory endorsement is the
               proration factor for the month containing the coverage commencement date minus
               the proration factor for the month following the month containing the coverage
               termination date for the endorsement.  Peak inventory endorsements with a
               coverage termination date during the month of September will have a proration
               factor equal to the proration factor for the month containing the coverage
               commencement date.

 9US   2001    The price election percentage for CAT coverage will be 55 percent.  For limited
               and additional coverage the allowable price election percentage will be as
               shown on the applicable producer premium percentage table.

 9W1   1999    Insurance will not attach on any acreage on which melons, or any member of the
               Cucurbitaceae family were planted in each of the previous 5 crop years;
               however, if the soil is fumigated, the melons will be insurable the second year
               after melon production (every other year).

 9W3   1999    In addition to Basic Units as defined in Section 1 (Definitions) of the Basic
               Provisions, melon acreage can be further divided into units by planting period
               (Spring or Fall).

 9W5   1999    Watermelon varieties planted must be adapted to the area.

 9W6   2003    In lieu of Section 34 (a) of the Basic Provisions, optional units are not
               available for Cutivated Wild Rice.

 9W7   2003    In the absence of a recovery percentage determination by an approved
               laboratory, the recovery percentage for use in converting green weight
               cultivated wild rice to finished weight will be:  Recovery percentage=.4000.

 9W8   2003    In the absence of a recovery percentage determination by an approved
               laboratory, the recovery percentage for use in converting green weight
               cultivated wild rice to finished weight will be:  Recovery percentage=.5000.

 9W9   2003    In addition to Section 1 of the Definition of Planted Acreage in the Cultivated
               Wild Rice Provisions, the application of seed by broadcast seeding into a
               controlled flood is insurable.  It is defined as distributing wild rice seed
               onto a prepared seedbed that has been intentionally covered to a proper depth
               by water.  The water must be free of movement and be completely contained on
               the acreage by properly constructed levees and gates.

 9WA   1999    Watermelon seeds planted two per hill (mechanically planted, two seeds
               together) will not be insurable, unless the two plants are thinned to one plant
               per hill.

 9WB   1999    If the County Extension Agent's recommended number of bee hives per acre are
               not placed in or near the field for crop pollination, any loss of production
               due to poor pollination will be uninsurable, unless the poor pollination can be
               directly attributed to an insured cause of loss.

 9WD   2000    Harvest price - The average daily settlement price for the Portland Grain
               Exchange soft white wheat contract during the month of August, of the harvest
               crop year.  The harvest price will be announced by FCIC by September 10 of the
               harvest crop year.

               Projected Price - The Portland Price.  The Portland Price is defined as the
               average daily settlement price for the September, of the harvest year's Chicago
               Board of Trade (CBOT) wheat futures contract during the period August 15 to
               September 14 of the pre-harvest year, plus a basis adjustment equal to the
               current five-year average difference between the August average daily
               settlement price for the nearby CBOT September wheat futures contract and the
               August average daily settlement price for the Portland Grain Exchange soft
               white wheat contract. The Projected Price will be announced by FCIC by
               September 20 of the pre-harvest year.

               Average Daily Settlement Price - The sum of the settlement prices for each full
               trading day for the contract specified in the definition of Projected Price or
               Harvest Price (as appropriate) during the month specified in such definition
               divided by the number of days included in the sum.  Whenever settlement prices
               are available for fewer than fifteen (15) full trading days for the specified
               contract, settlement prices for the contract that expired in the trading month
               immediately prior to the specified month (beginning from the last full trading
               day of such prior month) will be included in the total until 15 full trading
               days have been included.  A full trading day means any day with fifty (50) or
               more open interest contracts of the contract specified in the appropriate
               definition.

               Local Market Price - The cash grain price per bushel for the U.S. No. 2
               grade of wheat offered by buyers in the area in which you normally market
               wheat.  The local market price will reflect the maximum limits of quality
               deficiencies allowable for the U.S. No. 2 grade of wheat.  Factors not
               associated with grading under the Official United States Standards for
               Grain, including but not limited to protein, oil or moisture content, or
               milling quality will not be considered.


 9WE   1999    The unit must have produced 10,000 pounds per acre within the base period to
               meet the minimum production insurability requirements.

 9WF   1999    Optional units are available only by type.  We will insure all fresh
               watermelons as one unit, regardless of the planting date.

 9WH   1999    Winter squash that is grown for direct marketing will be insurable in this
               county.

               Section 9, Duties in the Event of Damage or Loss:
               In addition to the requirements of section 9 of the Winter Squash Crop
               Provisions, for any insurable acreage of winter squash that will be sold by
               direct marketing and you intend to claim an indemnity, you must notify us at
               least 15 days before any production from any unit will be sold by direct
               marketing.  We will conduct an appraisal that will be used to determine your
               production to count for production that is to be sold by direct marketing.  If
               damage occurs after this appraisal, we will conduct an additional appraisal if
               you notify us that additional damage has occurred.  These appraisals, and any
               records provided by you, will be used to determine your production to count.
               You must notify us immediately if damage is discovered during harvest, an
               appraisal will be required on the remaining unharvested acreage to determine
               production to count.  Production to count for acreage harvested prior to the
               notice of loss will be the greater of the dollar amount of insurance per acre
               or the value of the harvested production.  Failure to give timely notice that
               production will be sold by direct marketing will result in an appraised amount
               of production to count of not less than the dollar amount of insurance per acre
               if such failure results in our inability to make the required appraisal.

               Section 10(e)(3) of the Winter Squash Crop Provisions is not applicable for
               insurable acreage upon which production is sold by direct marketing.  The total
               value of production to count for such acreage for which you have provided
               acceptable production records will include the greater of the actual value
               received for the direct marketed production or the dollar amount obtained by
               multiplying the hundredweight of appraised winter squash by the minimum value
               per hundredweight shown in the Special Provisions.  If you fail to provide
               acceptable production records for such acreage, the total value of production
               to count for the acreage will be not less than the amount of insurance per acre
               in accordance with section 10(e)(1)(iv) in the Winter Squash Special
               Provisions.

 9WN   2003    In accordance with Section 11 (d) of the Crop Provisions, mature walnut
               production that has mold damage greater than 8 percent due to an insurable
               cause, based on net delivered weight, will be reduced by the following factors:

                         Percent Mold (%)                    Quality Adjustment Factor(%)

                            8.1-12.0                                     .900
                           12.1-16.0                                     .800
                           16.1-20.0                                     .700
                           20.1-24.0                                     .600
                           24.1-30.0                                     .500
                           30.1-                               NOT SOLD:0.000
                                                                   SOLD: Amount Received/
                                                                         Maximum Price
                                                                         Election


 9WP   2001    Certified Seed Endorsement Guarantee: For the purpose of Section 8 of the
               Certified Seed Endorsement, the dollar amount per hundredweight (cwt) is $3.00
               for acreage within Seed Potato Isolation District as authorized
               under Chapter 15.15 of RCW (Rate Class Option Code 'CT' applicable).  For
               acreage not within a Seed Potato Isolation District the dollar amount per
               hundredweight (cwt) is $1.00 (Rate Class Option Code "CS' applicable).

 9WS   2003    Phytophthora will not be an insurable cause of loss two consecutive years on
               the same acreage.

 9WT   1999    The imputed premium will be the CAT dollar amount multiplied by the premium
               rate for the 50 percent coverage level.

 9WU   1999    Insurance will not attach to any acreage planted to a melon crop (watermelon,
               cantaloupe, etc.) more than two consecutive crop years.

 9WV   1999    Insurance will not attach to any acreage planted with seed which is not
               certified to be free of bacterial fruit blotch disease.

 9WW   1999    Insurance will not attach to any acreage planted to a melon crop (watermelon,
               cantaloupe, etc.) more than two consecutive crop years north of Texas FM 490
               and more than four consecutive crop years south of Texas FM 490.

 9X1   1999    The Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count. The QA Factor (not less than zero) will be multiplied by the number
               of bushels remaining after any reduction due to excessive moisture to determine
               the net production to count. Any grain which, due to insurable causes, has zero
               market value (net zero market value after consideration of additional costs
               to deliver damaged grain to a market of reasonable distance outside your
               local marketing area) will not be considered production to count if the
               production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for
               the respective types and levels of damage.  Additional costs to deliver
               grain outside your local market will be allowed only for types and levels
               of damage included in Section 6.

               1  Barley will be discounted for low test weight as follows:

               Test Weight Pounds   DF  Test Weight Pounds   DF  Test Weight Pounds    DF
                   40 and above    None     36-36.99        .084     32-32.99         .134
                   39-39.99        .046     35-35.99        .096     31-31.99         .143
                   38-38.99        .059     34-34.99        .109     30-30.99         .153
                   37-37.99        .071     33-33.99        .121 Below 30 - See Section 6

               2  Barley will be discounted for excessive kernel damage (excluding heat
                  damage) as follows:

                  Kernel Damage %   DF   Kernel Damage %     DF   Kernel Damage %    DF
                    8 and below    None     17.01-18        .115     27.01-28       .242
                    8.01-9         .025     18.01-19        .127     28.01-29       .255
                    9.01-10        .034     19.01-20        .140     29.01-30       .268
                   10.01-11        .042     20.01-21        .153     30.01-31       .280
                   11.01-12        .051     21.01-22        .166     31.01-32       .293
                   12.01-13        .059     22.01-23        .178     32.01-33       .306
                   13.01-14        .068     23.01-24        .191     33.01-34       .319
                   14.01-15        .076     24.01-25        .204     34.01-35       .331
                   15.01-16        .089     25.01-26        .217  Above 35 - See Section 6
                   16.01-17        .102     26.01-27        .229

               3  Barley will be discounted for percent sound barley as follows:

                   Sound Barley %   DF   Sound Barley %    DF   Sound Barley %    DF
                     85 and above  None    73-73.99       .059    61-61.99       .110
                     84-84.99      .026    72-72.99       .064    60-60.99       .115
                     83-83.99      .029    71-71.99       .068    59-59.99       .119
                     82-82.99      .031    70-70.99       .072    58-58.99       .123
                     81-81.99      .034    69-69.99       .076    57-57.99       .127
                     80-80.99      .037    68-68.99       .081    56-56.99       .132
                     79-79.99      .040    67-67.99       .085    55-55.99       .136
                     78-78.99      .043    66-66.99       .089    54-54.99       .140
                     77-77.99      .046    65-65.99       .093    53-53.99       .144
                     76-76.99      .049    64-64.99       .098    52-52.99       .149
                     75-75.99      .052    63-63.99       .102    51-51.99       .153
                     74-74.99      .055    62-62.99       .106    50-50.99       .157
                                                               Below 50 - See Section 6

 9X2   1999    4  Barley will be discounted for percent thin barley as follows:

                   Thin Barley %   DF   Thin Barley %    DF   Thin Barley %    DF
                    35 and below  None    56.01-57      .117    78.01-79      .209
                    35.01-36      .029    57.01-58      .121    79.01-80      .213
                    36.01-37      .033    58.01-59      .125    80.01-81      .217
                    37.01-38      .038    59.01-60      .130    81.01-82      .222
                    38.01-39      .042    60.01-61      .134    82.01-83      .226
                    39.01-40      .046    61.01-62      .138    83.01-84      .230
                    40.01-41      .050    62.01-63      .142    84.01-85      .234
                    41.01-42      .054    63.01-64      .146    85.01-86      .238
                    42.01-43      .059    64.01-65      .150    86.01-87      .242
                    43.01-44      .063    65.01-66      .155    87.01-88      .247
                    44.01-45      .067    66.01-67      .159    88.01-89      .251
                    45.01-46      .071    67.01-68      .163    89.01-90      .255
                    46.01-47      .075    68.01-69      .167    90.01-91      .259
                    47.01-48      .079    69.01-70      .171    91.01-92      .263
                    48.01-49      .084    70.01-71      .176    92.01-93      .268
                    49.01-50      .088    71.01-72      .180    93.01-94      .272
                    50.01-51      .092    72.01-73      .184    94.01-95      .276
                    51.01-52      .096    73.01-74      .188    95.01-96      .280
                    52.01-53      .100    74.01-75      .192    96.01-97      .284
                    53.01-54      .104    75.01-76      .196    97.01-98      .288
                    54.01-55      .109    76.01-77      .201    98.01-99      .293
                    55.01-56      .113    77.01-78      .205    99.01-100     .297

               5  Barley will be discounted for black barley; and an ergoty, garlicky,
               or smutty grade as follows:

                  Black Barley = .042  Ergoty = .013  Garlicky = .017  Smutty = .017

               6  Barley with (A) a test weight below 30 pounds per bushel; (B) a kernel
               damage percentage above 35 percent; (C) a sound barley percentage below
               50 percent; (D) a musty, sour, or commercially objectionable foreign
               odor (except smut or garlic odor); and/or (E) the presence of
               substances or conditions identified by the Food and Drug Administration
               or other public health organizations of the United States as injurious
               to human or animal health; may be allowed a discount factor. To determine
               the Discount Factor, the reduction in value (RIV) caused by the
               deficiencies, substances, or conditions allowed in (A), (B), (C), (D),
               and/or (E) will be determined and the total will be divided by the
               Posted County Price (PCP)*. The RIV will not include any price
               reduction resulting from any Discount Factors that are included in
               sections 1, 2, 3, 4, and 5.

               A  The RIV's specified in section 6 will be limited to those that are
               usual, customary, and reasonable. If the RIV can be decreased by
               conditioning the production, the RIV after conditioning may be
               increased by the cost of conditioning, provided that the resulting
               RIV does not exceed the RIV before conditioning. No RIV will be
               accepted if it is due to (1) moisture content; (2) damage due to
               uninsured causes; or (3) drying, handling, processing, or any other
               costs associated with normal harvesting, handling, and marketing
               of the production.

 9X3   1999    B   RIV's used will be those in the local market area in which you
               normally market the crop, to the extent feasible. If the RIV for a
               buyer located outside your local market area is less than the RIV in
               your local market area, then the RIV may be increased by the additional
               costs required to deliver the production to the buyer, provided that
               the resulting RIV does not exceed the RIV in your local market area.
               If the damaged production has been sold, the Discount Factor will be
               based upon the RIV's applied by the buyer unless it is determined that
               such RIV's are not usual, customary, and reasonable.

               C  For production we determine has no value in and outside your local
               market area, you may offer a value or may intend to utilize such production
               in a manner which establishes a value.  In such cases, the value we agree
               to will be utilized in accordance with our approved procedures to determine
               the RIV for quality adjustment purposes according to section 6 herein.

               D  The RIV's and PCP will be those in effect on the earlier of the date
               such quality-adjusted production is sold or the date of final inspection
               for the unit.

               7  If the barley is eligible for quality adjustment according to section 2
               (kernel damage chart) AND section 3 (percent sound barley chart), the
               greater of the two chart Discount Factors will be used.  If the chart
               Discount Factor from section 2 OR section 3 applies, but section 6 also
               applies for either percent kernel damage or percent sound barley, the
               greater of the applicable chart Discount Factor or the Discount Factor
               determined according to section 6 will be used.  In no event will Discount
               Factors be allowed for both kernel damage and percent sound barley.

               * "Posted County Price (PCP)" is the price established by the Commodity
               Credit Corporation (CCC) for barley in the county shown on your
               application. If multiple counties are shown on your application, it is
               the county in which the insured unit is located. If the CCC
               discontinues establishing PCP's for the county, the PCP will be the
               Local Market Price.

 9YA   2003    Insurance will not attach to any acreage on which sweetpotatoes were planted in
               each of the three preceding years.

 9YC   2003    Sweetpotatoes planted in the same field for more than four consecutive years
               are not insurable.  In addition, during the four year period, the soil in the
               field must be fumigated between planting the first and second crops, the second
               and third and the third and fourth crops.

 9YD   2003    Type I includes Beauregard, Jewel and Hernandez.  Type II includes Garnet,
               Dianne and Redglow.  Type III includes Golden Sweet, Hannah and Jersey.  Type
               IV includes Oriental and Japanese.  All other types are uninsurable.

 9YO   2003    Insurance will not attach to any acreage on which sweetpotatoes were planted in
               both of the two preceding years.

 9YS   2003    We do not insure any acreage of processing beans where snap or limas were
               planted in two successive crop years of the previous four or where sunflowers
               were planted the previous crop year.

 9Z1   1999    The Corn Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place
               decimals).  No other quality factors will be considered in determining
               production to count.  The QA Factor (not less than zero) will be
               multiplied by the number of bushels remaining after any reduction due
               to excessive moisture (in accordance with the CRC Corn Crop
               Provisions) to determine the net production to count.  Any grain which,
               due to insurable causes, has zero market value (net zero market value after
               consideration of additional costs to deliver damaged grain to a market of
               reasonable distance outside your local marketing area) will not be considered
               production to count if the production is destroyed.  Production that is not
               destroyed in a manner acceptable to us will be adjusted in accordance with the
               rules below for the respective types and levels of damage.  Additional costs to
               deliver grain outside your local market will be allowed only for types and
               levels of damage included in section 3.

               1  Corn will be discounted for low test weight as follows:
                  Test Weight Pounds   DF      Test Weight Pounds       DF
                  49 and above        None          38-38.99           .184
                  48-48.99            .054          37-37.99           .198
                  47-47.99            .064          36-36.99           .212
                  46-46.99            .075          35-35.99           .226
                  45-45.99            .085          34-34.99           .240
                  44-44.99            .100          33-33.99           .254
                  43-43.99            .114          32-32.99           .268
                  42-42.99            .128          31-31.99           .282
                  41-41.99            .142          30-30.99           .296
                  40-40.99            .156          Below 30 - See Section 3
                  39-39.99            .170

               2  Corn will be discounted for excessive kernel damage (excluding heat
                  damage) as follows:
                  Kernel Damage %   DF   Kernel Damage %  DF   Kernel Damage %  DF
                    10 and below   None    18.01-19      .079    27.01-28      .127
                    10.01-11       .030    19.01-20      .085    28.01-29      .131
                    11.01-12       .036    20.01-21      .091    29.01-30      .135
                    12.01-13       .043    21.01-22      .097    30.01-31      .139
                    13.01-14       .049    22.01-23      .102    31.01-32      .143
                    14.01-15       .056    23.01-24      .108    32.01-33      .147
                    15.01-16       .062    24.01-25      .114    33.01-34      .150
                    16.01-17       .068    25.01-26      .118    34.01-35      .154
                    17.01-18       .073    26.01-27      .122    Above 35 - See Section 3

               3  Corn with (A) a test weight below 30 pounds per bushel and/or kernel
                  damage above 35 percent; (B) a musty, sour, or commercially objection-
                  able foreign odor; or (C) the presence of substances or conditions
                  identified by the Food and Drug Administration or other public health
                  organizations of the United States as injurious to human or animal
                  health; may be allowed a Discount Factor. To determine the Discount
                  Factor, the reduction in value (RIV) caused by the deficiences, sub-
                  stances, or conditions allowed in (A), (B), and/or (C) will be deter-
                  mined and the total will be divided by the Posted County Price (PCP)*.
                  The RIV will not include any price reduction resulting from any discount
                  factors that are included in sections 1 and 2.

                  A  The RIV's specified in section 3 will be limited to those that are
                     usual, customary, and reasonable.  If the RIV can be decreased by
                     conditioning the production, the RIV after conditioning may be
                     increased by the cost of conditioning, provided that the resulting
                     RIV does not exceed the RIV before conditioning.  No RIV will be
                     accepted if it is due to (1) moisture content; (2) damage due to
                     uninsured causes; or (3) drying, handling, processing, or any other
                     costs associated with normal harvesting, handling, and marketing of
                     the production.

 9Z2   1999       B  RIV's used will be those in the local market area in which you
                     normally market the crop, to the extent feasible.  If the RIV for
                     a buyer located outside your local market area is less than the RIV
                     in your local market area, then the RIV may be increased by the
                     additional costs required to deliver the production to the buyer,
                     provided that the resulting RIV does not exceed the RIV in your local
                     market area.  If the damaged production has been sold, the Discount
                     Factor will be based upon the RIV's applied by the buyer unless it
                     is determined that such RIV's are not usual, customary, and
                     reasonable.

                  C  For production we determine has no value in and outside your local
                     market area, you may offer a value or may intend to utilize such
                     production in a manner which establishes  a value.  In such cases, the
                     value we agree to will be utilized in accordance with our approved
                     procedures to determine the RIV for quality adjustment purposes
                     according to section 3 herein.

                  D  The RIV's and PCP will be those in effect on the earlier of the date
                     such quality-adjusted production is sold or the date of final
                     inspection for the unit.

                  *  "Posted County Price (PCP)" is the price established by the Commodity
                     Credit Corporation (CCC) for yellow corn for the county shown on your
                     application.  If multiple counties are shown on your application, it
                     is the county in which the insured unit is located.  If the CCC
                     discontinues establishing PCP's for the county, the PCP will be the
                     Local Market Price as defined in the CRC Corn Crop Provisions.

 9Z3   1999    The Soybean Quality Adjustment (QA) Factor is 1.000 minus the sum of the
               applicable Discount Factors (DF) below (expressed as three-place decimals).
               No other quality factors will be considered in determining production to
               count.  The QA Factor (not less than zero) will be multiplied by the
               number of bushels remaining after any reduction due to excessive moisture
               (in accordance with the CRC Soybeans Crop Provisions) to determine the
               net production to count.  Any grain which, due to insurable causes, has
               zero market value (net zero market value after consideration of additional
               costs to deliver damaged grain to a market of reasonable distance outside your
               local marketing area) will not be considered production to count if the
               production is destroyed.  Production that is not destroyed in a manner
               acceptable to us will be adjusted in accordance with the rules below for the
               respective types and levels of damage.  Additional costs to deliver grain
               outside your local market will be allowed only for types and levels of damage
               included in Section 4.

               1  Soybeans will be discounted for low test weight as follows:
                  Test Weight Pounds    DF      Test Weight Pounds    DF
                     49 and above      None        38-38.99          .065
                     48-48.99          .010        37-37.99          .071
                     47-47.99          .014        36-36.99          .077
                     46-46.99          .017        35-35.99          .084
                     45-45.99          .020        34-34.99          .090
                     44-44.99          .026        33-33.99          .096
                     43-43.99          .033        32-32.99          .103
                     42-42.99          .039        31-31.99          .109
                     41-41.99          .045        30-30.99          .116
                     40-40.99          .052        Below 30 - See Section 4
                     39-39.99          .058

               2  Soybeans will be discounted for excessive kernel damage (excluding heat
                  damage) as follows:
                  Kernel Damage %   DF    Kernel Damage %   DF    Kernel Damage %   DF
                     8 and below   None      17.01-18      .060      27.01-28      .091
                     8.01-9        .031      18.01-19      .063      28.01-29      .095
                     9.01-10       .034      19.01-20      .066      29.01-30      .098
                    10.01-11       .037      20.01-21      .069      30.01-31      .101
                    11.01-12       .040      21.01-22      .072      31.01-32      .104
                    12.01-13       .044      22.01-23      .075      32.01-33      .107
                    13.01-14       .047      23.01-24      .079      33.01-34      .111
                    14.01-15       .050      24.01-25      .082      34.01-35      .114
                    15.01-16       .053      25.01-26      .085  Above 35 - See Section 4
                    16.01-17       .056      26.01-27      .088

               3  Soybeans will be discounted for a musty odor, sour odor, or commercially
                  objectionable foreign odor (COFO) as follows:

                  Musty Odor = .008      Sour Odor = .016     COFO = .016

               4  Soybeans with (A) a test weight below 30 pounds per bushel and/or kernel
                  damage above 35 percent; (B) a garlicky soybean grade; or (C) the
                  presence of substances or conditions identified by the Food and Drug
                  Administration or other public health organizations of the United States
                  as injurious to human or animal health; may be allowed a Discount
                  Factor.  To determine the Discount Factor, the reduction in value
                  (RIV) caused by the deficiencies, substances, or conditions allowed
                  in (A), (B), and/or (C) will be determined and the total will be
                  divided by the Posted County Price (PCP)*.  The RIV will not include
                  any price reduction resulting from any discount factors that are
                  included in sections 1, 2, and 3.

                  A  The RIV's specified in section 4 will be limited to those that are
                     usual, customary, and reasonable.  If the RIV can be decreased by
                     conditioning the production, the RIV after conditioning may be
                     increased by the cost of conditioning, provided that the resulting
                     RIV does not exceed the RIV before conditioning.  No RIV will be
                     accepted if it is due to (1) moisture content; (2) damage due to
                     uninsured causes; or (3) drying, handling, processing, or any other
                     costs associated with normal harvesting, handling, and marketing of
                     the production.

 9Z4   1999       B  RIV's used will be those in the local market area in which you
                     normally market the crop, to the extent feasible.  If the RIV for
                     a buyer located outside your local market area is less than the RIV
                     in your local market area, then the RIV may be increased by the
                     additional costs required to deliver the production to the buyer,
                     provided that the resulting RIV does not exceed the RIV in your local
                     market area.  If the damaged production has been sold, the Discount
                     Factor will be based upon the RIV's applied by the buyer unless it
                     is determined that such RIV's are not usual, customary, and
                     reasonable.

                  C  For production we determine has no value in and outside your local
                     market area, you may offer a value or may intend to utilize such
                     production in a manner which establishes a value.  In such cases, the
                     value we agree to will be utilized in accordance with our approved
                     procedures to determine the RIV for quality adjustment purposes
                     according to section 4 herein.

                  D  The RIV's and PCP will be those in effect on the earlier of the date
                     such quality-adjusted production is sold or the date of final
                     inspection for the unit.

                  * "Posted County Price (PCP)" is the price established by the Commodity
                  Credit Corporation (CCC) for soybeans for the county shown on your
                  application. If multiple counties are shown on your application, it is the
                  county in which the insured unit is located.  If the CCC discontinues
                  establishing PCP's for the county, the PCP will be the Local Market Price as
                  defined in the CRC Soybeans Crop Provisions.

 9Z5   1999    The Grain Sorghum Quality Adjustment (QA) Factor is 1.000 minus the sum
               of the applicable Discount Factors (DF) below (expressed as three-place
               decimals). No other quality factors will be considered in determining
               production to count. The QA Factor (not less than zero) will be multiplied
               by the number of bushels remaining after any reduction due to excessive
               moisture (in accordance with the CRC Grain Sorghum Crop Provisions) to
               determine the net production to count. Any grain which, due to insurable
               causes, has zero market value (net zero market value after consideration
               of additional costs to deliver damaged grain to a market of reasonable distance
               outside your local marketing area) will not be considered
               production to count if the production is destroyed.  Production that is
               not destroyed in a manner acceptable to us will be adjusted in accordance with
               the rules below for the respective types and levels of damage.  Additional
               costs to deliver grain outside your local market will be
               allowed only for types and levels of damage included in Section 3.

               1  Grain sorghum will be discounted for low test weight as follows:
                  Test Weight Pounds     DF         Test Weight Pounds    DF
                    51 and above        None             39-39.99        .088
                    50-50.99            .015             38-38.99        .097
                    49-49.99            .019             37-37.99        .105
                    48-48.99            .024             36-36.99        .114
                    47-47.99            .029             35-35.99        .122
                    46-46.99            .033             34-34.99        .130
                    45-45.99            .038             33-33.99        .139
                    44-44.99            .046             32-32.99        .147
                    43-43.99            .055             31-31.99        .156
                    42-42.99            .063             30-30.99        .164
                    41-41.99            .071             Below 30 - See Section 3
                    40-40.99            .080

               2  Grain sorghum will be discounted for excessive kernel damage (excluding
                  heat damage) as follows:
                  Kernel Damage %   DF   Kernel Damage %   DF   Kernel Damage %  DF
                    15 and below   None    21.01-22       .059    28.01-29      .095
                    15.01-16       .034    22.01-23       .064    29.01-30      .100
                    16.01-17       .038    23.01-24       .069    30.01-31      .106
                    17.01-18       .042    24.01-25       .074    31.01-32      .111
                    18.01-19       .045    25.01-26       .079    32.01-33      .117
                    19.01-20       .049    26.01-27       .085    33.01-34      .123
                    20.01-21       .054    27.01-28       .090    34.01-35      .129
                                                                Above 35 - See Section 3

               3  Grain sorghum with (A) a test weight below 30 pounds per bushel and/or
                  kernel damage above 35 percent; (B) a musty, sour, or commercially
                  objectionable foreign odor (or a smutty grain sorghum grade); or (C) the
                  presence of substances or conditions identified by the Food and Drug
                  Administration or other public health organizations of the United States
                  as injurious to human or animal health; may be allowed a Discount
                  Factor.  To determine the Discount Factor, the reduction in value (RIV)
                  caused by the deficiencies, substances, or conditions allowed in (A),
                  (B), and/or (C) will be determined and the total will be divided by the
                  Posted County Price (PCP)*.  The RIV will not include any price reduc-
                  tion resulting from any discount factors that are included in sections
                  1 and 2.

                  A  The RIV's specified in section 3 will be limited to those that are
                     usual, customary, and reasonable.  If the RIV can be decreased by
                     conditioning the production, the RIV after conditioning may be in-
                     creased by the cost of conditioning, provided that the resulting RIV
                     does not exceed the RIV before conditioning.  No RIV will be accept-
                     ed if it is due to (1) moisture content; (2) damage due to uninsured
                     causes; or (3) drying, handling, processing, or any other costs
                     associated with normal harvesting, handling, and marketing of the
                     production.

 9Z6   1999       B  RIV's used will be those in the local market area in which you
                     normally market the crop, to the extent feasible.  If the RIV for
                     a buyer located outside your local market area is less than the
                     RIV in your local market area, then the RIV may be increased by
                     the additional costs required to deliver the production to the
                     buyer, provided that the resulting RIV does not exceed the RIV
                     in your local market area.  If the damaged production has been
                     sold, the Discount Factor will be based upon the RIV's applied
                     by the buyer unless it is determined that such RIV's are not
                     usual, customary, and reasonable.

                  C  For production we determine has no value in and outside your local
                     market area, you may offer a value or may intend to utilize such
                     production in a manner which establishes a value.  In such cases, the
                     value we agree to will be utilized in accordance with our approved
                     procedures to determine the RIV for quality adjustment purposes
                     according to section 3 herein.

                  D  The RIV's and PCP will be those in effect on the earlier of the date
                     such quality-adjusted production is sold or the date of final inspection
                     for the unit.

               *     "Posted County Price (PCP)" is the price established by the Commodity
                     Credit Corporation (CCC) for grain sorghum for the county shown on
                     your application. If multiple counties are shown on your application,
                     it is the county in which the insured unit is located.  If the CCC
                     discontinues establishing PCP's for the county, the PCP will be the
                     Local Market Price as defined in the CRC Grain Sorghum Crop Provisions.

 DW1   2003    Only one price election percentage will be applicable for all wheat types
               insured under one wheat policy.  For example, if you elect a price election
               for Durum wheat equal to 80% of the established price, the price election
               applicable for other wheat types must also be 80% of the established price.

               In the event of loss or damage on a unit for which more than one price
               election is applicable, we will settle your claim by:
               (a)  Multiplying the insured acreage of each type by the
                    production guarantee;
               (b)  Multiplying each result by the price election for the applicable type;
               (c)  Adding these dollar values;
               (d)  Multiplying the production to count of each type by the price election
                    for that type;
               (e)  Adding these dollar values;
               (f)  Subtracting the result of step (e) from the result of step (c); and,
               (g)   Multiplying the result by your share.

 ODV   2004    If any production from any unit will be marketed directly to the
               consumer (without the intervention of a wholesaler, retailer, packer,
               processor, shipper or buyer), a pre-harvest crop appraisal is required.
               Notification to us must be provided at least 15 days before harvest
               begins.  This requirement may be waived, in writing by the RSO, based upon
               evidence that acceptable supporting documentation is being maintained
               as required in the Crop Insurance Handbooks.

 PPT   2001    The Producer Premium Percentage Table for this county crop program is TXXX.

 XXX   2000    HIGH RISK CLASSIFICATION:
               Any acreage in this county for which a rate has not been established or
               which has been designated as uninsurable or unclassified on the FCI-33 CROP
               INSURANCE ACTUARIAL MAP will be insurable only by written agreement, unless
               such acreage is classified by an FCI-33 CROP INSURANCE ACTUARIAL
               SUPPLEMENT.

               Contact your crop insurance agent by the sales closing date to determine
               eligibility requirements.

 Z10   1998    If you are eligible for a premium reduction in excess of 5 percent based on
               your loss ratio and number of years of continuous experience through the
               1988 crop year under the terms of the experience table below, you will
               continue to receive the benefit of that reduction subject to the
               following conditions:
                    a.  The premium reduction will not increase because of favorable
                        experience; (Your discount can not be greater than it was for the
                        1989 crop year).
                    b.  The premium reduction will decrease because of unfavorable
                        experience; (After it decreases it will not increase due to
                        favorable experience).
                    c.  Once the loss ratio exceeds .80, no further premium reduction
                        will apply; and
                    d.  Participation must be continuous.

                                       PREMIUM ADJUSTMENT TABLE 1/
                                NUMBER OF YEARS OF CONTINUOUS EXPERIENCE

                           0   1   2   3   4   5   6   7   8  9   10  11  12  13  14 15 or
                                                                                      more
               Loss Ratio 2/     Percentage Adjustment Factor for Current Crop Year
               through Prev
               Crop Year
               .00 - .20  100  95  95  95  95  85  80  75  70  70  65  65  60  60  55  50
               .21 - .40  100 100  95  95  90  90  90  85  80  80  75  75  70  70  65  60
               .41 - .60  100 100  95  95  95  95  95  90  90  90  85  85  80  80  75  70
               .61 - .80  100 100  95  95  95  95  95  95  90  90  90  90  85  85  85  80
               .81 & Over 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100

               1/ For premium adjustment purposes, only the years during which premiums
                  were earned shall be considered.

               2/ Loss Ratio means the ratio of indemnity(ies) paid to premium(s) earned.