Hurricanes and Tropical Storms:

2006 Hurricane Binding Rules Update for Eastern/Gulf Coastal Regions of the                    U.S. and Carribean:

No risk will be bound on any application (or endorsement) submitted at the time of,                    or once, a tropical storm/hurricane has entered the following coordinates-

N.W. of 80 Degrees Western Longitude  AND  N. of 20 Degrees Northern Latitude

(suggested resource - www.weather.com for storm tracking information)

Hurricane Katrina aftermath- Louisiana, Mississippi

Please check with your underwriter on new business risks located in areas (LA, MS) affected by Hurricane Katrina before binding. Renewals, without a lapse, may be handled as normal.

NOTE - we are aware of, and complying with, the LA Legislature's Emergency Rule/s

Hurricane Rita aftermath- Eastern Texas, Louisiana

Please check with your underwrier on new business risks located in Eastern TX, LA and the surrounding areas. Renewals, without a lapse, may be handled as normal.

Regards,

Janner Holliday

President

IBSL, Inc.