Flooding Binding Restrictions - effective as of 12 noon CST

To our Central Illinois Deerbrook Agency Partners RE: Flooding Binding Restrictions - effective as of 12 noon CST Due to the severe thunderstorms and flooding in the region, we have implemented binding restrictions in Sangamon and Tazewell counties. Binding restrictions are as follows: AUTO COVERAGE MAY BE BOUND however do not bind Comprehensive coverage as new business. An exception would be for an existing customer who is adding an additional auto and his other auto or autos on the policy have Comprehensive coverage already. Please understand, due to the severity of this issue, any new business bound during the moratorium will be rejected and all endorsements will be denied. We continue to work around the clock to assess this situation and will keep you updated as changes become warranted. Please remember you may not resume any binding even if the storm has passed until these the restrictions are lifted by the Region. Sincerely, Jim Williams

System will be down from 12-7pm (CST)

The Encompass & Deerbrook system will be down for routinely scheduled maintenance from noon until 7pm (CST) on Saturday October 22, 2005. Encompass will be installing security software patches during this. Any new quotes and policy changes will not be processed until the following business day.

Deerbrook 3 is on the way

There was Terminator 3, Rocky 3, Karate Kid 3, Scream 3 and now, there's: DEERBROOK 3 And this time, the sequel is better than the original. Hone up on your Deerbrook Agency Dashboard skills. They’ll be beating your doors down. Coming soon to a policy near you. Watch for future announcements...

Allstate 2005 Giving Campaign Now Open and Extended Until 11/1

Allstate 2005 Giving Campaign Now Open and Extended Until 11/1 October 21, 2005 Dear Independent Agent, The 2005 Giving Campaign has begun and will extend through November 1, 2005. As a valued Independent Agent partner we invite you to again participate in this year's program. The goal of The Giving Campaign is to reach out to the community, doing the most good for the most people as directly as possible. Any organization, designated 501(c)(3) by the IRS - with the exception of schools, churches and other religious organizations - is eligible to receive contributions through The Giving Campaign. These contributions help thousands of people and charities across the country. Feel free to also give your regular annual donation to your usual charity of choice. Allstate will support your giving by adding fifteen cents to every dollar you donate to the charity of your choice and another five cents to major metropolitan United Way. That means that Allstate can directly contribute to organizations that you support. An added opportunity for this year's campaign is to support those individuals impacted by Hurricane Katrina. Allstate will match donations made to American Red Cross Hurricane Katrina Relief Fund through The 2005 Giving Campaign dollar for dollar. Simply write in Red Cross - Hurricane Katrina Charitable Code 10, that's all. I know many of our Independent agents wish to donate money to benefit hurricane victims. Now you can contribute and your donation will be doubled! Please complete the Giving Campaign Donor Form. As an independent agent, you can donate in two ways: 1. Check payable to The Giving Campaign 2. Major Credit Card We are committed to supporting you and the communities in which you live. Thanks in advance for your participation and all that you do to strengthen communities across our country. Regards, Doug R. Wendt Encompass President

Message from Deerbrook Insurance:

Encompass/Deerbrook Field Leadership Integration Enablement Pilot Announcement To: Our Valued Illinois Deerbrook Agents From: A. Wayne Maddox - Deerbrook Regional Sales Director Re: Encompass/Deerbrook Field Leadership Integration Enablement Pilot Announcement As many of you may be aware, Encompass is embarking upon a pilot to improve the services and support we provide to our agencies. The Field Leadership Integration Enablement (FLIE) Pilot will go in effect November 15, 2005. The FLIE Pilot is designed to accomplish a number of goals; • Address the integration of our three sales leadership teams, Encompass, Deerbrook and Allstate • Help Encompass become more efficient and effective by having dedicated resources focused on selling and growing the independent agency channel • Provide to our agency partners, dedicated resources committed to identifying and capitalizing on education and training opportunities to support your Encompass growth goals Very shortly, we will be announcing specific territory assignments and will share with each of you your primary sales leader. Rest assured, the same level of support and commitment still exists for all of our agencies. If you have any questions, please feel free to contact Regional Sales Manager, Olga Vanderburg at 773-737-2440 or Regional Development Manager, Jon Green at (312)297-6851 or anyone on our sales leadership team. Encompass wants to help you grow your agency. We are working on the products and services to meet the needs of your customers. The field sales leaders in Illinois look forward to helping you have a successful 2005!

Deerbrook Rate Changes! Find Out How Your Agency Can Benefit

Sent in the 10/21/2005 Weekly Update Deerbrook now has more competitively refined pricing program in Washington. We have added a 'Paid in Full' discount option, adjusted rate factors, and have also refined our tier segmentation to provide better rates for target risks. Why sell Deerbrook? Benefits for Your Agency • Better aligned territory definitions • Paid in Full discount of 10% now available. • 100% supported by InterLink - just three easy screens to complete. • A+ rated market dedicated exclusively to Independent Agents. • Priced to compete aggressively in the auto market

Benefits for Your Customers • Meets their auto coverage needs at an affordable price • Financially stable carrier • Choice in payment options • Great claims service they can rely on

You do not want to miss this opportunity to grow with Deerbrook - start quoting today!