Greetings!

With Hurricane Sandy approaching, we wish to remind you that no new or additional windstorm liability should be accepted under binder, policy, or endorsement after the U.S. Weather Bureau has declared a "Hurricane Watch" in the area where the risk is located.

We appreciate your understanding and cooperation in helping us to implement this important underwriting guideline. If you have any questions or comments, please contact your personal or commercial lines underwriter, or Arbella territory manager.

Thank you for your continued business and support.

Cordially,

Eileen Currie                                                 Jim Hyatt

Vice President,                                             Vice President,