NOTICE OF THE ANNUAL POLICYHOLDERS' MEETING OF THE AMERICAN FARMERS & RANCHERS MUTUAL INSURANCE COMPANY

In accordance with Article III, Section 1, of the By-Laws of the American Farmers & Ranchers Mutual Insurance Company, notice is hereby given that the 2010 Annual Meeting of the Policyholders of the American Farmers & Ranchers Mutual Insurance Company will convene at the Biltmore Hotel, 401 S. Meridian Ave,Oklahoma City, OK, beginning at 2:00 p.m. Friday, Feb. 12, 2010.   Presentation of business and financial reports, election of Officers and Directors, consideration of proposed By-Law amendments, and other necessary business will be conducted at this meeting.

Terry Detrick, President

Bobby Green, Secretary

NOTICE OF THE ANNUAL MEETING OF THE OKLAHOMA STATE UNION OF THE FARMERS EDUCATIONAL AND COOPERATIVE UNION OF AMERICA, INC.

In accordance with Article VII, Section 1, of the By-Laws of the Oklahoma State Union of the Farmers Educational and Cooperative Union of America, Inc., the 2010 Annual Membership Meeting of the Oklahoma State Union of the Farmers Educational and Cooperative Union of America, Inc. will be held at the Biltmore Hotel, 401 S. Meridian Ave, Oklahoma City, OK., Feb.12-13, 2010.  Registration will begin at 11:00 a.m. with the meeting scheduled to convene at 2:00 p.m. Friday, Feb. 12, 2010.   Presentation of business and financial reports, election of Officers and Directors, consideration of proposed By-Law amendments, consideration and adoption of policy resolutions, and other necessary business will be conducted at this meeting.

Terry Detrick, President

Bobby Green, Secretary