08/28/2002                                               STATE:  ARIZONA (04)           
                                                                                         
               CROP ESTABLISHED PRICE ELECTIONS AND AMOUNTS OF INSURANCE                 
             ADDENDUM TO  2004  CROP YEAR  SPECIAL PROVISIONS OF INSURANCE               
                          CROPS FILED THROUGH: 08/31/2002                                
                                                                                         
                                                     ESTABLISHED                         
                                      UNIT           PRICE/AMOUNT      ADDITIONAL        
 CROP/TYPE                            MSR.           OF INSURANCE         PRICE          
 ----------------------------         -------     ----------------    ---------------    
                                                                                         
 GRAPEFRUIT (G)                       CTN        $          2.65    $          N/A       
                                                                                         
 LEMONS (G)                           CTN        $          7.00    $          N/A       
                                                                                         
 MANDARINS (G)                        CTN        $          5.20    $          N/A       
                                                                                         
 MINNEOLA TANGELOS (G)                CTN        $          5.20    $          N/A       
                                                                                         
 NAVEL ORANGES (G)                    CTN        $          4.75    $          N/A       
                                                                                         
 ORLANDO TANGELOS (G)                 CTN        $          5.20    $          N/A       
                                                                                         
 SWEET ORANGES (G)                    CTN        $          4.75    $          N/A       
                                                                                         
 VALENCIA ORANGES (G)                 CTN        $          2.50    $          N/A       
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
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08/28/2002                                               STATE:  CALIFORNIA (06)        
                                                                                         
               CROP ESTABLISHED PRICE ELECTIONS AND AMOUNTS OF INSURANCE                 
             ADDENDUM TO  2004  CROP YEAR  SPECIAL PROVISIONS OF INSURANCE               
                          CROPS FILED THROUGH: 08/31/2002                                
                                                                                         
                                                     ESTABLISHED                         
                                      UNIT           PRICE/AMOUNT      ADDITIONAL        
 CROP/TYPE                            MSR.           OF INSURANCE         PRICE          
 ----------------------------         -------     ----------------    ---------------    
                                                                                         
 GRAPEFRUIT (G)                       CTN        $          4.10    $          N/A       
                                                                                         
 LEMONS (G)                           CTN        $          8.85    $          N/A       
                                                                                         
 MANDARINS (G)                        CTN        $          5.65    $          N/A       
                                                                                         
 MINNEOLA TANGELOS (G)                CTN        $          5.65    $          N/A       
                                                                                         
                                        AMOUNTS   OF   INSURANCE                         
                                 CAT.         MIN.        MAX.      REF. MAX             
       C R O P S                 AMT.         AMT.        AMT.        AMT.               
   -------------------------- --------      --------    --------    --------             
                                                                                         
 NAVEL ORANGES (FD)                                                                      
        No Type Specified / Irrigated                                                    
                                                                                         
                                  $548.00     $995.00    $1,492.00    $1,990.00          
                                                                                         
 NAVEL ORANGES (G)                    CTN        $          4.85    $          N/A       
                                                                                         
 ORLANDO TANGELOS (G)                 CTN        $          5.65    $          N/A       
                                                                                         
 SWEET ORANGES (G)                    CTN        $          4.85    $          N/A       
                                                                                         
 VALENCIA ORANGES (G)                 CTN        $          5.05    $          N/A       
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
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08/28/2002                                               STATE:  HAWAII (15)            
                                                                                         
               CROP ESTABLISHED PRICE ELECTIONS AND AMOUNTS OF INSURANCE                 
             ADDENDUM TO  2004  CROP YEAR  SPECIAL PROVISIONS OF INSURANCE               
                          CROPS FILED THROUGH: 08/31/2002                                
                                                                                         
                                                     ESTABLISHED                         
                                      UNIT           PRICE/AMOUNT      ADDITIONAL        
 CROP/TYPE                            MSR.           OF INSURANCE         PRICE          
 ----------------------------         -------     ----------------    ---------------    
                                                                                         
 MACADAMIA NUTS (G)                   LBS        $          0.61    $          N/A       
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
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08/28/2002                                               STATE:  TEXAS (48)             
                                                                                         
               CROP ESTABLISHED PRICE ELECTIONS AND AMOUNTS OF INSURANCE                 
             ADDENDUM TO  2004  CROP YEAR  SPECIAL PROVISIONS OF INSURANCE               
                          CROPS FILED THROUGH: 08/31/2002                                
                                                                                         
                                                     ESTABLISHED                         
                                      UNIT           PRICE/AMOUNT      ADDITIONAL        
 CROP/TYPE                            MSR.           OF INSURANCE         PRICE          
 ----------------------------         -------     ----------------    ---------------    
                                                                                         
 ALL OTHER GRAPEFRUIT (G)             TON        $         61.00    $          N/A       
                                                                                         
 EARLY & MIDSEASON ORANGES (G)                                                           
   Fresh                              TON        $        116.00    $          N/A       
   Juice                              TON        $         97.00    $          N/A       
                                                                                         
 LATE ORANGES (G)                                                                        
   Fresh                              TON        $        116.00    $          N/A       
   Juice                              TON        $         97.00    $          N/A       
                                                                                         
 RIO RED & STAR RUBY (G)                                                                 
   Fresh                              TON        $        125.00    $          N/A       
   Juice                              TON        $         92.00    $          N/A       
                                                                                         
 RUBY RED GRAPEFRUIT (G)              TON        $         71.00    $          N/A       
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                          PAGE  1