08/31/2001                                                STATE:  ARIZONA (04)          
                                                                                         
                CROP ESTABLISHED PRICE ELECTIONS AND AMOUNTS OF INSURANCE                
              ADDENDUM TO  2003  CROP YEAR  SPECIAL PROVISIONS OF INSURANCE              
                           CROPS FILED THROUGH: 08/31/2001                               
                                                                                         
                                                      ESTABLISHED                        
                                       UNIT           PRICE/AMOUNT        ADDITIONAL     
 CROP/TYPE                             MSR.           OF INSURANCE           PRICE       
 ----------------------------          -------     ----------------     ---------------  
 GRAPEFRUIT (G)                        CTN        $          2.65     $           N/A    
                                                                                         
 LEMONS (G)                            CTN        $          7.25     $           N/A    
                                                                                         
 MANDARINS (G)                         CTN        $          4.75     $           N/A    
                                                                                         
 MINNEOLA TANGELOS (G)                 CTN        $          4.75     $           N/A    
                                                                                         
 NAVEL ORANGES (G)                     CTN        $          4.25     $           N/A    
                                                                                         
 ORLANDO TANGELOS (G)                  CTN        $          4.75     $           N/A    
                                                                                         
 SWEET ORANGES (G)                     CTN        $          4.25     $           N/A    
                                                                                         
 VALENCIA ORANGES (G)                  CTN        $          2.00     $           N/A    
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                            PAGE 1                                       
08/31/2001                                                STATE:  CALIFORNIA (06)       
                                                                                         
                CROP ESTABLISHED PRICE ELECTIONS AND AMOUNTS OF INSURANCE                
              ADDENDUM TO  2003  CROP YEAR  SPECIAL PROVISIONS OF INSURANCE              
                           CROPS FILED THROUGH: 08/31/2001                               
                                                                                         
                                                      ESTABLISHED                        
                                       UNIT           PRICE/AMOUNT        ADDITIONAL     
 CROP/TYPE                             MSR.           OF INSURANCE           PRICE       
 ----------------------------          -------     ----------------     ---------------  
 GRAPEFRUIT (G)                        CTN        $          3.95     $           N/A    
                                                                                         
 LEMONS (G)                            CTN        $          9.15     $           N/A    
                                                                                         
 MANDARINS (G)                         CTN        $          5.45     $           N/A    
                                                                                         
 MINNEOLA TANGELOS (G)                 CTN        $          5.45     $           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                                                   
                                                                                         
                                   $570.00    $1,035.00   $1,759.00     $2,070.00        
                                                                                         
 NAVEL ORANGES (G)                     CTN        $          4.60     $           N/A    
                                                                                         
 ORLANDO TANGELOS (G)                  CTN        $          5.45     $           N/A    
                                                                                         
 SWEET ORANGES (G)                     CTN        $          4.60     $           N/A    
                                                                                         
 VALENCIA ORANGES (G)                  CTN        $          4.95     $           N/A    
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                            PAGE 1                                       
08/31/2001                                                STATE:  HAWAII (15)           
                                                                                         
                CROP ESTABLISHED PRICE ELECTIONS AND AMOUNTS OF INSURANCE                
              ADDENDUM TO  2003  CROP YEAR  SPECIAL PROVISIONS OF INSURANCE              
                           CROPS FILED THROUGH: 08/31/2001                               
                                                                                         
                                                      ESTABLISHED                        
                                       UNIT           PRICE/AMOUNT        ADDITIONAL     
 CROP/TYPE                             MSR.           OF INSURANCE           PRICE       
 ----------------------------          -------     ----------------     ---------------  
 MACADAMIA NUTS (G)                    LBS        $          0.66     $           N/A    
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                            PAGE 1                                       
08/31/2001                                                STATE:  TEXAS (48)            
                                                                                         
                CROP ESTABLISHED PRICE ELECTIONS AND AMOUNTS OF INSURANCE                
              ADDENDUM TO  2003  CROP YEAR  SPECIAL PROVISIONS OF INSURANCE              
                           CROPS FILED THROUGH: 08/31/2001                               
                                                                                         
                                                      ESTABLISHED                        
                                       UNIT           PRICE/AMOUNT        ADDITIONAL     
 CROP/TYPE                             MSR.           OF INSURANCE           PRICE       
 ----------------------------          -------     ----------------     ---------------  
 ALL OTHER GRAPEFRUIT (G)              TON        $         65.00     $           N/A    
                                                                                         
 EARLY & MIDSEASON ORANGES (G)                                                           
   Juice                               TON        $        105.00     $           N/A    
   Fresh                               TON        $        115.00     $           N/A    
                                                                                         
 LATE ORANGES (G)                                                                        
   Juice                               TON        $        105.00     $           N/A    
   Fresh                               TON        $        115.00     $           N/A    
                                                                                         
 RIO RED & STAR RUBY (G)                                                                 
   Juice                               TON        $         95.00     $           N/A    
   Fresh                               TON        $        135.00     $           N/A    
                                                                                         
 RUBY RED GRAPEFRUIT (G)               TON        $         75.00     $           N/A    
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                                                                         
                                            PAGE 1