From: xxxxxx.xxxxxx [xxxxx.xxxxxx@netzero.net]

Sent: Thursday, January 11, 2001 2:20 PM

To: ralph@usicnet.com

Subject: Web site

Ralph,

I'm glad to see that you have this web site. I only wish that I had seen it before I became an agent for Farmers. It was the worst experience of my life. I have never been lied to some much in my entire life. My district manager made al the promises in the world to get me in as an agent. After I was on board, most of the turned out to be empty, along with my packet. I was to the point where I could no longer believe any this that was told to me.

I now write Insurance for another company and have had very little problem moving my clients from Farmers.