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DECLARATION OF GRAHAM B. LIPPSMITH

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GIRARDI KEESE
THOMAS V. GIRARDI, SBN 36603
tgirardi@girardikeese.com
GRAHAM B. LIPPSMITH, SBN 221984
glippsmith@girardikeese.com
1126 Wilshire Boulevard
Los Angeles, California 90017
Tel: (213) 977-0211
Fax: (213) 481-1554

ENGSTROM, LIPSCOMB & LACK
WALTER J. LACK, SBN 57550
wlack@ellaw.com
DANIEL G. WHALEN, SBN 126487
dwhalen@ellaw.com
10100 Santa Monica Blvd, 12
th
Floor
Tel: (310) 552-3800
Fax: (310) 552-9434

Attorneys for Plaintiff Benjamin Fogel and the Class

SUPERIOR COURT OF THE STATE OF CALIFORNIA
FOR THE COUNTY OF LOS ANGELES

BENJAMIN FOGEL, on behalf of himself and the
Class,

Plaintiff,
v.

FARMERS GROUP, INC.; FIRE
UNDERWRITERS ASOCIATION; TRUCK
UNDERWRITERS ASSOCIATION; ZURICH
FINANCIAL SERVICES; and Does 2 through
100,

Defendants.
CASE NO. BC300142

DECLARATION OF GRAHAM B.
LIPPSMITH IN SUPPORT OF THE CLASS
AND PLAINTIFFS MOTION FOR FINAL
APPROVAL OF SETTLEMENT

VOL. 2 OF 3 (Exhibits 9-1 through 9-57)

Date: September 7, 2011
Time: 9:00 a.m.
Dept: CCW 307

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I, GRAHAM B. LIPPSMITH, declare:
1. I am a lawyer in the law firm of Girardi | Keese. I am an attorney licensed to practice in the
State of California and admitted to practice before this Court. I am counsel of record for the Class and I
make this declaration in support of the Class Motion for Final Approval of Settlement. Except as
expressly stated, I have personal knowledge of the facts set forth below and, if called as a witness, could
and would testify accurately to their veracity.
2. Class Counsel in this case is comprised of myself and Thomas V. Girardi of Girardi | Keese,
Walter Lack of Engstrom, Lipscomb and Lack, Philip K. Maxwell of the Law Offices of Philip K. Maxwell
and Joe K. Longley of the Law Offices of Joe K. Longley. We also worked with, among other lawyers,
David Burrow of the Law Offices of David Burrow, Dan Downey of Dan Downey, P.C., R. Martin Weber
of Crowley Norman LLP, and Mike Gallagher of Gallagher Law Firm.
3. As a team we worked tirelessly on this case investing tens of thousands of hours over the
span of eight years. Our team of lawyers researched and investigated the claims and defenses through both
documents obtained from the Lubin proceedings and public sources, propounded and responded to
substantial discovery, engaged in and successfully litigated several rounds of motion practice, reviewed
tens of thousands of pages of documents, conducted numerous meetings with counsel and the Court,
amended the complaint several times to reflect new information from our ongoing investigation and
prevailed on an appeal resulting in a published opinion by the California Court of Appeal at Fogel v.
Farmers Group, Inc. (2008) 160 Cal.App.4th 1403.
4. While Defendants refused to respond to the discovery propounded on them (as merits
discovery was and continues to be stayed), Class Counsel conducted a substantial investigation of claims
by reviewing and analyzing more than 50,000 pages of documents obtained though an intervention in a
State of Texas action against Farmers Group, Inc, as well as a wealth of publicly disclosed information
supporting the Class claims including Defendants voluminous SEC filings, investor presentations,
documents from various state insurance regulatory proceedings, and information on Defendants own
websites.

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5. The breadth of our investigation on the merits of this case enabled Class Counsel to file a
very strong and detailed motion for class certification and ultimately enabled us to make informed
decisions with knowledge of the strengths and weaknesses of the case.
6. Heavily contested issues of both liability and damages made apparent to me that this case
could be a major win for the Class or a total loss. The parties disagree on the scope of the fiduciary duty
between FGI as the attorney-in-fact and the subscribers, and the courts have yet to rule definitively on this
issue, creating the risk of an all or nothing result in this case. Because of the uncertainty of the outcome of
these issues, the risks and costs of further litigation and the absence of a clear middle ground, Class
Counsel engaged in a year of arms-length negotiations with Defendants in order to obtain a fair settlement.
7. I am extremely pleased with the Settlement that resulted from these efforts and the
remarkable benefit that it offers to the Class and to the general public. Defendants have agreed to a $455
million cash payout to the Class and not one penny of that fund will revert back to Defendants. The
Settlement also provides for a separate fund for up to $90 million to be paid in attorneys fees, costs and an
incentive award to the Class Representative. The Settlement also requires Defendants to pay for the
comprehensive notice plan and hybrid-claims process, costing Defendants an additional approximately $20
million that will not be taken out of the cash fund available to the Class. Any funds not claimed in the
hybrid-claims process will go to the Exchanges, providing an additional benefit to the Class because the
Exchanges receipt of additional cash can be used to, for example, reduce premiums, pay dividends to
subscribers and provide security for future claims. This distribution is greatly preferable to a typical
reversion to the defendants or donation to an entity or cause only loosely associated with the Class.
8. The terms of the Settlement are set forth fully in the Settlement Agreement attached hereto.
Defendants total spend in the Settlement will require Defendants to pay 12.5% the gross AIF Fee profits
from the proposed twelve-year class period. Because Defendants were likely entitled to collect at least
some level of profit from the AIF services, the 12.5% return of AIF Fee profits actually represents a return
of a much larger percentage of the portion of the profit that may be deemed excessive. I believe this high
rate of return is more than fair, reasonable and adequate.
9. After the intervention of R.C. Heubelein (Intervenor), Class Counsel made many
appearances before the Court to respond to Intervenors numerous objections and concerns. Intervenors

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appearances include (1) his opposition to preliminary approval (objecting to the claims form process,
release, and so-called reversion), (2) his objections and requests to change the language of the notice, (3)
his requests to propounded discovery and take depositions, and (4) his attempt to recuse this Court from the
case. At each of these hearings the Court upheld the Settlement, its terms and its procedures.
10. The Court granted preliminary approval of the Settlement, certified the Class and approved
the proposed Notice Plan on March 2, 2011.
11. With the Courts approval, we began the massive undertaking of executing the notice plan
and hybrid-claims process with the Claims Administrator, Rust Consulting, Inc. (Rust). I was personally
involved in the notice plan and hybrid-claims process from its inception in the settlement discussions
through today, and I will continue see to it that the notice plan and hybrid-claims process are completed
pursuant to the Settlement.
12. The notice plan and hybrid-claims process as negotiated and in execution has thus far
exceeded what is required by the California Rules of Court, and the success and efficiency of the notice
plan has surpassed my hopes and expectations with respect to its overall reach and the Class participation
generated by the combination of claims forms, publication notice, web support and the 24-hour call center.
The hybrid-claims process was critical to our efforts to ensure that every Class Member spanning the
substantial class period has a fair opportunity to participate in the Settlement. This process was carefully
designed to give Class Members a variety of options for participating in the Settlement including (1)
signing and returning the Claim Form, (2) completing claims on a basic website and (3) signing and
returning the Reminder Postcard. Based on the response thus far and the anticipated response before the
claims period closes on December 6, 2011, I strongly believe the hybrid-claims process is the best possible
plan for achieving a maximum reach to the Class as well as the maximum participation.
13. To date, more than 9% of the Class Members have made claims for nearly 19% of the total
Settlement Fund. With the additional mailing of the Reminder Postcards and based on the weekly progress
on claims thus far, I anticipate the claims rate will continue to rise each month through the December 6,
2011 claims deadline.
14. I am very satisfied with the work Rust has done and continues to do to distribute accurate
and helpful information to the Class. Their expertise is exemplified in the Class response to and success of

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the notice plan and hybrid-claims process thus far, and I expect Rust to continue to perform at the same
high level throughout the pendency of its assignment in this case.
15. Class Counsel have promptly addressed all Class Members questions and concerns both
directly and with Rusts assistance. We have made adjustments to the notice, website, call center, and
claim-form process in response to feedback from both the Court and potential Class Members.
16. In light of the massive size of the Class (12.5 million Class Members), the objections and
opt-outs have been very minimal. To date, only 470 Class Members have excluded themselves from the
Settlement and only 126 Class Members have objected to the Settlement. Although many of the objections
do not comply with the California Rules of Court procedural requirements or the Settlement Agreement
procedural requirements, even assuming the Court were to consider every formal and informal objection to
the Settlement, the objectors represent a tiny percentage of the Class, namely 0.00001% of the 12.5 million
Class Members, to date.
17. The objections (both formal and informal) are summarized as follows: (1) the Settlement
amount is not enough; (2) Defendants should be free to charge whatever they want for their services; (3)
the attorney fees are too high; (4) the Settlement will lead to increased premiums for policyholders; and (5)
there should not be any reversion of Settlement Funds. Every objection raised to date has already been
addressed by the Court in the preliminary approval proceedings, by the Court in proceedings by Intervenor
and by Class Counsel in briefing on the Settlement. Class Counsel will formally respond to all in full after
the August 18, 2011 deadline to object and by the September 2, 2011 deadline to respond to the objections.
18. I have separated this declaration into three separate volumes. Volume 1 attaches Exhibits 1-
8; Volume 2 attaches Exhibits 9-1 through 9-57; and Volume 3 attaches Exhibits 9-58 through 11.
19. I attached to Volume 1 as Exhibit 1 a true and correct copy of the December 12, 2010
Settlement Agreement between the Settling Parties in this case.
20. I attached to Volume 1 as Exhibit 2 a true and correct copy of Plaintiffs Motion for
Preliminary Approval of the Settlement dated January 12, 2011.
21. I attached to Volume 1 as Exhibit 3 a true and correct copy of this Courts March 2, 2011
Order Granting Preliminary Approval of Settlement.
22. I attached to Volume 1 as Exhibit 4 a true and correct copy of the declaration portion of the

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September 9, 2009 Declaration of Allan I. Schwartz, Plaintiffs expert economist and actuary, in Support of
Plaintiffs Motion for Class Certification filed with this Court on September 10, 2009.
23. I attached to Volume 1 as Exhibit 5 a true and correct copy of excerpts of the February 3,
2011 transcript in the proceedings before the Court in this matter.
24. I attached to Volume 1 as Exhibit 6 a true and correct copy of excerpts of the May 2, 2011
transcript in the proceedings before the Court in this matter.
25. I attached to Volume 1 as Exhibit 7 a true and correct copy of excerpts of the May 18, 2011
transcript in the proceedings held before the Court in this matter.
26. I attached to Volume 1 as Exhibit 8 a true and correct copy of the names of Class Members
who have opted out of the Settlement. Rust originally compiled this information from its records on the
Claims Administration. In the version I attached hereto, I eliminated the address information for each
Class Member to protect his/her privacy. The address information can be provided upon the Courts
request. I will submit a supplemental declaration following the August 18, 2011 deadline to opt out that
provides the additional exclusions that we process from this date through the August 18, 2011 deadline.
27. I have attached to Volumes 2-3 as Exhibit 9 a true and correct compilation of each objection
(formal and informal) to the Settlement that the Settling Parties have processed as of August 2, 2011. For
ease of reference, the objections are in chronological order and each objection is preceded by a cover page
assigning the Exhibit number followed by an objection number (i.e. 9-1 for Objection 1, 9-2 for Objection
2, 9-3 for Objection 3, etc.). I will submit a supplemental declaration following the August 18, 2011
deadline to object that provides the additional objections (formal and informal) that we process from this
date through the August 18, 2011 deadline.
28. I have attached to Volume 3 as Exhibit 10 a true and correct copy of the August 1, 2011
Declaration of Tore Hodne of Rust Consulting Inc.
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29. I have attached to Volume 3 as Exhibit 11 a true and correct copy of the August 1, 2011
Declaration of Shannon R. Wheatman, Ph.D., Vice President of Kinsella Media, LLC, working with Rust
Consulting Inc. to design and implement the notice program.
I declare under penalty of perjury under the laws of California that the foregoing is true and
correct and that this declaration was executed August 3, 2011 in Los Angeles, California.
GRAHAM B. LIPPSMITH

EXHIBIT 9
Exhibit 9-1
Insurance Foge) vrs.Farmers Group Inc. No.
The-Rogel Lawsuit
Barbara Garrett
1424 4th St.#800 Date
Santa Monica CA 90401
(310) 451-5994(office)
(310) 283-1377(cell)
Iotl _0041606186
ECEiVED
JUN -7 2011
/6/11
c;3JRARDJ &KEESE
I' objebt td the Plan of Al,location for Fogel. Vrs.Farmers Group,Inc.
regarding my policy 144176549 and pOY'icy 916708719.
A) $79_.38 'for a one time amount sett).ement is unfair because I've been
-.misrepresented by Farmers Group for almost 10 years .
. B) If there is a $455 million settlement, a fair disbursement(less 1a\olyers
fees and loess cJass counsel fees) would be %20 per cent. This is the
amount they took for themseJ_ves from pol,icies paid based on trust.
Therefore, as a woman over 40 years old and a smaJI woman owned b'
owner, I feeJ, they took advantage of me,
C)Farmers Insurafice Group intentional,ly caused me emotional distress.mheir
actions are outrageous and intoJlerable. Struggling to keep my insurance
current, they took advantage of policy holders for their own personal gain.
sick and tired of being taken advantage of, I appreciate your consideration
in my proposed settlement and pJan of aJJocation regarding this case.
A fair and balanced a\olard for almost 10 of
certainly more than $79.38.
Thank you' for your attention to my objection.
S&
Garrett
Court:
California Superior COurt
600 So.Commonwealth Ave
Los Angeles,CA 90005
Defense COunsel
Raoul. KennedY,Esq
Skadden,Arps,Slate,Meagher&Florn LLP
625 University Ave
PaJo ALto,CA 94301
Thomas'. .-:;
Grahan 3
GirardI
1 J 2 6 '.; =-: s:".:" r s ::::"':-::'
Los :::.:'.. :'_-:-
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In the course ofour business reltttiollShip with
you, we collect inform/ttion abofft yOH that is
necessaI)' to pro'viele )'011 with Offl' products
{lnel services. ,Vi? tl'eat this information as
confidential and recognizf' the importance of
protecting it. We Miff' 'Offl' cOJ?fidence ill fl.r.
Gets you back where yOll b e l o n g ~
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'QUALITY UNE ENTERPRISES
1424 4TH ST. STEt800
SANTA MONICA, CA90401
~ . b ~ 66JfJiJDUtLt
Thomas Giradi, Esq.
1126 Wilshire Blvd
Los Angeles, CA 90017
Attn; Fogel Lawsuit No. BC300142
Exhibit 9-2
June 6, 2011
The Desk of
Dennis J. McGorman
12218 Wendy Drive Cerritos, CA 90703-7732
(562) 860-8944 Djm1946@gmail.com
RECEIVED
JUN 13 2011
GIRARDI &KEESE
California Superior Court
600 South Commonwealth Ave.
Raoul Kennedy, Esq.

- Flom-IJLP- -- ------ . - - - --
525 University Avenue
Palo Alto, CA 93201
Thomas V. Girardi, Esq.
Graham B. LippSmith, Esq.
Girardi & Keese
---------1-1-26WilshiI'-BQulvard-- -
Ralph C. Ferrara, Esq.
Dewey & LeBoeufLLP
-110-1 New York-Avenue, N.W.-
Suite 1100
Washington, D.C. 20005
Re: BC 300142 (Fogel v. Farmers Group, Inc.
Policy: 902599002
Named Insured: Dennis J.
Policy type: Fire
Premium paid: 9808.89
objection is philosophical and financial.
This lawsuit fails the common sense test. Since when are employees paid to much? answer
is the board ofdirectors, stock holders and policy holders each decide. As a policy holder I have
the right to change my insurance company if the premium is to much or the benefits are not to my
satisfaction. I might as easily argue that judges make more money in salary and benefits than they
deserve when the State of California is broke. I certainly argue that $90,000,000 in lawyer fees is
excessive when anyone of the class will only make a minimal amount.
Fmally, If Farmers is expectea to tyay tne sums
stockholders or policy holders? I suspect not. That sum mIght go to the ''highly paId" employees
of the corporation instead as an incentive to continue doing their work to benefit the corporation
instead of supporting a larger legal department. Perhaps a few dollars could go to my agent who
provides professional and timely service to me the policy holder.
Exhibit 9-3
June 8,2011
RECEIVED
JUN 10 2011
GIRARDI & KEESE
To: California Superior Court
600 South Common Wealth Ave.
Raoul Kennedy, Esq.
Skadden, Arps, Slate, Meagher &Flom LLP
Palo Alto, CA 94301
Girardi &Keese
Los Angles, CA 90017
Dewey & LeBoeuf LLP
1101 New York Avenue, N.W. Suite 1100
RE: Objection to Settlement- Fogel v. Farmers Group, Inc. No. 8C300142
To whom it may Concern:
My name is John Cleary and lam a class member in the ongoing Fogel v. Farmers Group, Inc. No.
BC300142 class action. I am writing today to object to the $90 million dollars proposed in the
settlement agreement to be paid to the Class Counsel.
Unfortunately, I make this objection without the advantage of having the list of hard costs/expenses
advanced by Mr. Girardi and his team. However, I have a hard time imagining that this team has
experienced $90 million dollars in costs. I also understand that Mr. Girardi and his team take a certain
level of calculated risk up-fronting these costs and should have some level of payoff for taking this risk.
The ironic point is that the class action against Farmers Group, Inc. is about the company making too
much profit. My suggestion is to hold the attorney's to the same standard they expected from Farmers

In today's economic environment and several examples of exorbitant pay to executives & public
employees it does not seem prudent to make a handful of attorney's millionaires while the average class
member who was directly harmed by the actions receive only a couple hundred dollars.
The form I received regarding this class action states that I paid Farmers Group $35,462 and my
- -settlement is.only-$226.56 (less-than.lt2.percent of-my-premium) Iftbe- courtwouldJiketo-prmlide.. -.
justice to the class members while punishing Farmers Insurance, why not increase the settlement to the
those directly harmed by their actions and decrease the amount paid to the attorneys.
Finally. I would like to point out the obvious about Personnel Injury attorneys and how they continue to
walk away with millions of dollars while leaving the victims with little to no money. These tactics drive
up manufacturing and product costs for all Americans while the only one reaping the benefits of these
frivolous lawsuits is the attorney's.
I beg the court to stand up and do the right thing and award the Class Counsel reasonable fees that can
be justified by actual expenses, plus a reasonable award for taking on the risk while increasing the
settlements for class members.
Sincerely,
Jo leary
8701 E. Foxhollow Drive
Anaheim Hills, CA 92808
714-249-5588
jlcleary@adelphia.net
Policy # 135429524 Auto
Policy # 142015087 Auto
Policy #914276076 Fire
Exhibit 9-4 --------------------------------------- ----
OBJECTING TO THE SETTLEMENT
6-7-2011
FROM: Armand J. Filer
2406 Addison Circle
Thousand Oaks, CA. 91360-3107
Telephone # (805)495-3391
Fogel v.Farmers Group, Inc.,
No. BC300 142
RECEIVED
JUN - 9 2011
l GJRARDI &KEESE
Our Homeownvers Fire policy number issued to us covering the period of time
from ,January 1, 1999 to the end of 2009 is #090877069.
The specific reason(s) why my wife and I object to the Settlement is because
the $455,000,000. amount is too small to begin with-based upon the resulting
small percentage relative to what the total Farmers Group, Inc.collected as
I'
premiums for the 12 year period.
The multiplier ratio (A/B) itself is not the problem-it is the weak settlement
figure that really is unfair because when this figure is used as the multiplier
it does not come anywhere close to the premium overcharges taken from their
customers over the time period.
Attached to this sheet is some background basis for our perceived feelings
as a result of FARMERS GROUP, INC. ramping up our premiums with no basis
for it when the question was asked to our agents office at the time. The
answers I received was "everybody's premium is going up" and you must
realize that a lot of people submit claims for small things like broken yard
sprinklers, etc. instead of only submitting claims for more major events.
(We had submitted no claims)
Signed:
6-7-2011
A CLOSER LOOK AT THE MATH:
supporting material for the court(s)
FROM: Armand J. Filer (805)495-3391
2406 Addison Circle
Thousand Oaks, CA. 91360-3107
Reference (a): The court-ordered legal notice sent to me from the FARMERS GROUP SETTLEMENT
PO BOX 2423 FARIBAUCT, MN 55021-9123.
My wife and I are protesting the settlement
Background: My wife and I held Farmers Homeowners Insurance policy #090877069 as a customer for
33 years from 1976 to 2009. The reason we left them as a customer was because it became quite obvious
to us that our premiums began to be increasingly inflated during the time period of 2007 -2009 (the
amounts perceived by us to be between $175 and $250 per year) when compared with what their competitors
were offering us for similar coverage. This was despite having made no major claims whatsoever over the
many years. I cannot even remember any tiny claims either, other than my wife getting locked out of our
home once and our agent told her if she broke in Farmers would cover it. I recall leaving work to come
home to unlock the front door for her. And the interesting thing is that during this period of time .!Il..a.n
homeowners in Southern California lost their homes to raging fires in the hills; there was heavy coverage
shown about it on TV. It was too coincidental to suit us! We believe that Farmers was trying to get extra
money as quick as they could from their large customer base to ameliorate the situation they found them-
selves in as a fire insurer.
From the information provided us regarding the total of all the premiums we had paid in during the time
period covered by the settlement amounting to $4,907.78, and the settlement figure paid by Farmers of
$455,000,000 as well as the estimated settlement payment offered to us of $31.36 if we submit a claim
form it is very easy to calcUlate how much total premium was paid by ALL Class Members on All subject
Exchange policies to Farmers during that period using Algebra. That figure is $71,206,629,460 Billion
dollarsl
Since the period of the settlement covers 12 years the average premiums received per year by Farmers is
that figure divided by 12, or $593,388,578.80 per year. So if we then take the $455,000,000 and divide
it by this figure itiseasy to see that the settlement paid by Farmers is a mere. 7768 or just 77.68 percent
of just one yearstotaJreceivedpremium. This shows why Farmers was quick to settie on a little more
than 3/4 of one years gross income over the total12 year period. This in affect is "peanuts" to them in
the big picture of revenue. Barely a slap on the wrist. And whose to say they won't repeat as before.
So this letter is meant to explain why we feel as a previous customer of Farmers while all this was going on,
that the settlement figure that Farmers paid in to the "pot" to settle is ridiculously low in the scheme of things
and the $31.36 we may get from filing the included claim form (maybe with "peanut" interest) is pathetic
based upon what they managed to extract from us unfairly. And our thoughts have been born out by the last
three years as a customer of a competitor insurance company that has easily saved us over $600.00 from what
Farmers would have continued to charge us (or more) if we had stayed with them! We are glad we left them!
RespectfulIy,
Exhibit 9-5
June 7,2011
2851 Rolling Hills Drive, #67
Fullerton, CA 92835
Girardi & Keese
r RECE\VEO
JUN - 9 20"
L GtAARO\ &K E E S E ~
RE: Farmers Group Settlement - Case: Fogel vs. Farmers Group, Inc., No.
BC300142
To Whom It May Concern:
I received the legal notice of a possible Settlement - and I am writing this letter
strongly objecting to the Settlement. Specifically, if Farmers Group Companies
was charging LESS than the amounts in the SUbscription Agreements, this is just
another frivolous lawsuit to earn money for attorneys and penalize private
companies who make a profit - which is what private companies should do.
I see no reasonable basis for any type of lawsuit or settlement; I've used Farmers
since 1997 with good results.
My information:
Carol Stager Moran
2851 Rolling Hills Drive, #67
Fullerton, CA 92835
714-854-9558 (home - before 6 a.m & after 5 p.m.)
email: CaroISMoran@earthlink.net (NOTE - I do not wish to receive advertising
via email)
Insurance Policies: 148428215 and 916283357
Thank you for your consideration.
Sincerely,
(LtLuA- ~ h ~
Carol S. Moran
"If!",.,
a,'--
.
Carol Moran
2851 Rnlling Hills Dr IJ(.1
Fullerton, CA92835
9.2;;\,"
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':'.:1:"::_'1 I IlulhuHll!!ui1huhuiiluUlIHfI ilhlilh!ii!lh
Exhibit 9-6
I I I ~
Exhibit 9-7
Kevin H Pratt
17255 Buttonwood St
Fountain Valley, CA 92708
714-334-9439
khpratt@gmail.com
June 9, 2011
Graham B. LippSmith, Esq
Girardi & Keese
Regarding Fogel v. Farmers Group, Inc., No. BC300142
My Farmers policy - 904854812 Kevin H Pratt Fire $1996.96
RECEIVED 1
~
JUN 13 2011 I
I
GIRARDI &KEESE
I object to the basis of this lawsuit and therefore to the settlement. I purchased the policy noted
above after consulting with a broker, selecting the policy from among other choices. I was not
coerced in any way to purchase this policy from Farmers. I received the insurance coverage I
contracted for. Both parties, Farmers and myself, entered into mutually beneficial contract and both
fulfilled the terms of the contract.
I did not select this policy based on low management fees. I did not select this policy because it
was the lowest price option available. I did not select this policy hoping for a future refund when
all fees were settled.
I did select this policy, which I understood to be a fixed price purchase of defined coverage from a
well known company with a great reputation.
Sincerely,
Kevin H Pratt
CC:
Raoul Kennedy, Esq.
POSJ;q
........

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? $"'000' 4 H'
.. 02 i P " -' Ii -'"
00029200:;,8 JUN 09 20-11
fv1A.[LED GODE 92 880
Graham B. LippSmith, Esq
Girardi & Keese
f::ii:.ii:ii -;:::::\. (O.:i::::?14
Uli lIH1"Il", H,lli 1lI11J,U11IJ dllllllllll1ldlHulllliI
Exhibit 9-8
965 Avocado Crest Road
La Habra Heights, CA 90631
June 8,2011
Raoul Kennedy, Esq.
Skadden, Arps, Slate, Meagher & Flom LLP
Palo Alto, CA 94301
Girardi & Keese
1126 Wilshire Blvd
Dewey & LeBoeuf LLP
1101 New York Avenue, N.W.,
Suite 1100
Gentlemen:
.. -- - - - - -- -RE-Gi \-\lED- -
,!UN 1 0 10"
::,\RJ\RD\ & KEESE
Objection to the amount of attorneys fees. Although there are no specifics, up to $90 million is excessive based on
the fact that this case achieved settlement after only a joint summary judgment motion and appeal of that motion.
Carol Engelhardt, 965 Avocado Crest Road, La Habra Hts, CA 90631 (562) 697-1258
Case Name: Fogel v. Farmers Group, Inc., Case No. 8C300142
Policy No. 00186-96-95 issued by Farmers Fire Insurance Exchange Protector Plus for 1999 and 2000 within the
Vl{99 through for the above address to Robert or
Specific Reasons for objection is the large potential amount of attorneys fees.
VerytruIYYo.U. rr--... _ .....

Carol Engelhardt '0';"<
Exhibit 9-9
Calvin Hecht ill Number 0143203573
601 Via Promontorio
San Clemente, California 92672
Telephone: 949-369-5558 Email: calvinhecht20081@cox.net
Ju
ne lor.)
, 4'" REeEl VE D
JUN 13 2011
GIRARDI &KEESE
Regarding: (1) Case Fogel v. Farmers Group, Inc., Case No. BC3001421
(2) Policy Number 90392-97-61 issued to Calvin Hecht to insure property
at 33911 Alcazar Dr., Dana Point, CA 92629-2410.
In force between January 1, 1999, and December 31, 2010.
Sirs:
The proposed settlement is unfair to the Class members.
The proposed settlement allocates refunds to each Class member according to the
formula: (AlB) X $455 million, where A=Premiums paid by the Class
Member and B=Total premiums paid by ALL Class members. Any money not allocated to
Class members will go to the Exchanges. Only a small fraction of ALL Class members
would be expected to submit valid claims, so almost all ofthe $455 million will go to the
Exchanges.
The implication is that because the Exchanges are owned by the Class members,
who are insurance policy holders, Class members will get some benefit from the
allocation of funds to the Exchanges. This is very questionable. The policy holders, which
are subscribers to the Exchanges, pay premiums for insurance coverage. The management
fees, which are the subject of this lawsuit, come directly from these premiums. There is no
reason to believe the policy holders will receive reduced premiums, or any other benefit,
from funds given to the Exchanges. It is the policy holders who were damaged by
excessive management fees, not the Exchanges. Policy holders are making claims for their
excessive insurance premiums, not for the benefit of the Exchanges. The Exchanges
should not be rewarded for mismanaging the premiums of the policyholders.
A more reasonable, and fair, distribution ofthe settlement amount allocated to
each Class member, would be according to the formula: (A/C)X$455 million, where
A=Premiums paid by the Class member and C=Total of ALL PREMIUMS paid by Class
members who submit valid claims.
I respectfullyrequest the Court to reject the proposed settlement, and to replace it
with a settlement that allocates the $455 million according to the alternate formula
suggested here.

CALYIN HECHT
Copies to:
Thomas V. Girardi, Esq
GrahamB. LippSmith, Esq. Girardi & Keese
Raoul Kennedy, Esq.
Palo Alto, CA 94301
Dewey & LeBoeufLPP
1101 New York Avenue, N.W., Suite 1100
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Graham B. LippSmith, Esq. Girardi & Keese
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-3C';i:; i 7+i lit11 !H"litI uIt ,Hi IHllllnI, Inft"ul,,11Ji,llIi,!111m
Exhibit 9-10
MICHAEL AND PATRICIA OWEN
10,410 East Rancho Del Este Drive, Tucson, Arizona 85749-9082
Telephone: 520-760-1333; 979-0000; Fax 520-760-9699; E-Mail:mowenampaC@cox.net
June 10, 2011
600 S. Commonwealth Ave.,
RECEIVED
JUN 15 2011
GIRARDI &KEESE
Subject:
Gentlemen,
Fogel versus Farmers Group Incorporated
No. NC 300 142
This is an objection to the settlement of the above case as provided for in Section 19
of the basic information packet sent to this insuree. The following information is
required for this objection:
1. Michael Owen, 10,410 E. Rancho Del Este Dr., Tucson, AZ 85749
Telephone number 520-760-1333
e-mail address:mowenampac@cox.net
2. Fogel v Farmers Group Incorporated, No. BC 300 140
3. Policy numbers: 601969070; 603355399; 939152898
4. Specific reasons for objecting to the settlement:
This lawsuit is frivolous and should be terminated forthwith. The premiums paid
by us under policieslisted above amount to $7,288.17; out of this amount we will be
receiving a settlement amount of $46.57; this is equivalent to 0.639%; a relatively
trifle sum in comparison with the policy premiums. On the other hand the cost of
litigation, not to mention any court costs, we are told total $90 million. Common
sense tells us that the only people materially benefiting from this case are the
plaintiff's attorneys.
Unfortunately this is a problem with conduct of business in the United States; and,
the cost of doing business is reflected ultimately in resolution and settlement of
cases such as these. We believe that every effort should be made to reduce the cost
of insurance as this forms one of the principal domestic household costs in this
country; its like an additional tax. We therefore respectfully request that the court
dismiss this case and award no fees to the plaintiff's attorneys.
~ ~ e / ~
Michael C. R. Owen, PE
Farmers Insurance Policyholder
, MicbaelOwen ........."...
, 10410 E Rancho Del Este Or>
,"':l;ucSOIl, AZ 85749 . . '. "0

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Girardi & Keese
1126 Wilshire Blvd
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Exhibit 9-11
June 9, 2011
CC: Thomas V. Girardi, Esq., Graham B. LippSmith, Esq.
Raoul Kennedy, Esq., Ralph C. Ferrara, Esq.
Senator Jerry Moran, US Rep. Mike Pompeo
Re: Class Action Suit, Fogel v. Farmers Group, Inc. No. BC300142
Policy # 9372059921. Type: Fire Premium Paid: $4,422.79
Policy # 604590474 Type: Umbrella Premium Paid: $324.52
RECEIVED
JUN 13 2011
GIRARD' &.KEESE
OBJECTION: As a class member and an American citizen, I am objecting to the lawsuit itself.
ARGUMENT: Why should an individual outside a company, a lawyer, a court of law dictate and set the
management fees or amount of profit that a private company determines? Should I find any fees,
profits, services objectionable, I believe I still have free choice of any other private company, for
insurance or other needs.
Thank you for your attention to my objection.
Sincerely,
Noreen Sholts 5776 S. 10i
h
St. E. Derby, KS 67037
316) 788-7607 ncsholts@pixius.net
j
Exhibit 9-12
600 South Commonwealth Ave
June 11,2011
Your Honor:
Re: Fogel v. Farmers Group, Inc. No. BC300142.
I object to the Plan ofAllocation. The award should be proportionally divided and paid to the people
who submit valid claim forms and no monies should go to the Exchanges. This would provide
maximun benefit t01:he people who were injured during the time period. Current Exchange members
should derive no benefit from past wrong-doings.
Thank you,
Charles Michael Felton
1702 S Mills Ave
Lodi, CA 95242
209-369-1112
209-747-5095 cel
feltonmm@att.net
IDnumber: 0035310457 Policy numbers: 140136173,140136174,913641368
ID number: 0012445233 Policy number: 600365491
cc: Thomas V. Girardi, Esq.
Graham B. Lippsmith, Esq.
Girardi & Keese
1126 Wilshire Blvd
Raoul Kennedy, Esq.
525 University Ave
Palo Alto, CA 94301
Dewey & LeBoeuf LLP
1101 New York Ave, N.W.
Suite 1100
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Exhibit 9-13
RECEIVED
JUN 16 2011
GIRARDI &KEESE
Untitled
June 11,2011
from: Roy}. Lake. 214 WAve K, Midlothian Texas, 76065 e-maillakemidlothlan@aol.com. phone 972
97997852.
Ref. Fogel V. farmersgrouplnc., np. bc300142
I have been insured by farmers Insurance Exchange under polley number u046020 during the time
period ofJanurary I, 1999 and December 31.2010. My id. number Is 0233373247. I object to the
settlement! Farmers Insurance Exchange has been fair andInexpensive. farmers insuarance exchange
has been more comperitive in price then any insurance comp;my currently in texas. No insurance
company will even try to quote against Farmers Insurance exchange due to the lowrates I recieve In
texas. This also bears itself out in television advertlsments In Texas. An undue burden will be placed
on myselfand other; policy holders In the future in paying the claim and our coverage may suffer
later from higher rates.
This letter Is to:
California superior court
600 South Commonweaolth Ave.
Los Angeles, CA. 90005.
Raul Kennedy. Esq
Skadden, Arps, state, Meagher & Flom UP
525 UniversityAvenue
Palo Alto, CA 94301
Thomas V. Glrardi,Esq.
Graham B. LlppSmith, Esq.
1126 Wishire Boulevard
Ralph C LeBoeufUP
1101 New York Avenue,
Suite 1100
Roy}. Lake
J'v. fv l ~ 0-.0 II
June 11, 2011
.............~ ". " .
Page J
......1
-
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Exhibit 9-14
June 11, 2011
Damita Teemac
3513 Apple Valley Way
Dallas, Texas 75227
Re: Fogel v. Farmers Group, Inc. No. BC 300142
RECEIVED
JUN 27 2011
GIRARDI & KEESE
A Notice of Class Action Lawsuit and Settlement along with a Claim Form was sent to
me because I have been identified as a Class Member in the Settlement of the class
action lawsuit, Fogel v. Farmers Group Inc. Farmers records show, as the first name
insured, that I am only eligible to receive approximately $33.90 as an incentive award.
I strongly object to the incentive award amount as payment for these reasons:
The amount of $33.90 does not agree with the stress caused by claim denial.
In 2010, one of our vehicles had to be repaired because of a hit and run accident. In
the process of getting our vehicle repaired, we rented another vehicle and used
Farmers for the coverage of the rental. Unfortunately, a natural disaster,-flying debris
from a cement truck, cracked the windshield of the rental. A claim was submitted for the
repair of the windshield. Farmers refused the claim and stated that "our policy had
expired and no grace period was available"-although we STRONGLY DISAGREED to
no avail. We had been customers with Farmers since 2005. Would Farmers have done
the same thing if our home had caught on fire? This sudden nonsupport created doubt,
stress and resentment towards Farmers. This gradually awakened us to the fact that
Farmers was a money making venture with no emphasis on really helping customers.
Please also note: According to research, "Farmers Insurance has developed a bad
reputation among consumers. In 2006, the respected publication Consumer Reports
ranked Farmers as one of the poorest performers regarding the practice of paying
claims Within 30 days. In addition, the Better Business Bureau (BBB) gave Farmers
Insurance an "F" rating in November of 2005, the lowest rating given by the
organization".
The amount of $33.90 is inadequate for the stature of Farmers Insurance.
Farmers Insurance was founded in 1924. Farmers Insurance Group of Companies
serves over 10 million households in 41 states and has made more than 5 billion dollars
since 1988. They can certainly afford to pay for their mistakes.
The amount of $33.90 unfair and unreasonable.
We were customers with Farmers from 2005-2010. We paid a total of $14,300 total in
out of pocket insurance premiums over a period of five years. We worked hard to pay
these insurance premiums. We deserve to be compensated for our efforts to pay the
insurance premiums. In times like the above, we needed to be supported-not
punished. Farmers Insurance was not there when we needed them the most. Our time
and finances were impacted because of Farmers neglect. Yet, we thought that was
"why" we paid insurance premiums-for safety and protection in all aspects.
It is for the above reasons that I object to the incentive award amount of $33.90 and
propose to be compensated on a level of reasonable fairness for the resources spent
during our time with Farmers Group.
Sincerely,
Damita Teemac
Enclosed supportive documents
$3.29
00068120-02
U.S. POSTAGE'
PAID
MESQUITE. TX
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AMOUNT
90017
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111111" 1111" 11111
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Exhibit 9-15
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JUN 15 2011
GIRA8DI &KEESE
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Exhibit 9-16
Date: June 13, 2011
RECEIVED
JUN 20 2011
To: Thomas V. Girardi, Esq. GIRARDI &KEESE
GrahamB. Lippsmith, Esq.
Girardi & Keese
Case name and Number (Fogel v Farmers Group, Inc., No. BC300142)
From: LaVerne Adams
29836 Rock Creek Dr.
Southfield MI 48076 ('Llf'O-...Pl. -'1", ? 8 )
OBJECTION:
I do not think this is Fair to the Class Members.
The complete settlement is $455 million and I as one of the Class Members I am only
going to get $72.36??? THAT A SLAP IN THE FACE FOR all the Class Members.
The Lawyers as I know they should get paid, but I also know that they are putting in their
own specific Time for Hours, Time for Documents, Time for coming up with what we
the Class Member are suppose to received or whoever?, AGAIN THIS IS Ridiculous... !!!
The (Class Member) I did the following:
Paid the Money to Farmers Insurance exchange Policy from 1999 thru 2010
which is 11 years.
Paid the money to Farmer Insurance exchange Policy for (2 Cars) Auto insurance
that had to be paid each Month, regardless of Kids maintained, Food, Light, Gas,
Etc., and it was paid on time for 11 years.
Paid the money to Farmer Insurance exchange Policy for (House) insurance that
had to be paid each Month, regardless of Kids maintained Food, Light, Gas,
House payments, Etc., and it was paid on time for 11 years.
Each Year the Value ofthe House increase and so did the Farmers House
Insurance payments increase Monthly.
Each 6 months the insurance policy of Auto and House Insurance went up
There is no Mention of Roadside Service for both Cars, which also was paid to
Farmer insurance for 11 years.
Both Cars insurance. were. higher, when my son turned a teenage.
When my Husband had two Car accidents over the 11 years with Farmitf"" '/if
tv6'" 'nj;J."1tfiJ,J
Insurance Exchange, our Car Auto Insurance prices was increased .. . '
My son had a car accident with my car and the Auto Insurance went up again
Monthly.
House Insurance claims put in twice and Insurance went UP... i !!
There nothing in any of the figures that was done for me the (Class Member) or I believe
for any of the Class Members, that explains the increase inAuto and House lnsurance
above I have no Idea how Fanner Insurance Exchange or whoever? Came up with this
ridiculous amount of $72.36. But again I OBJECT to it.
The Lawyers did the following to get $90 million:
Make sure that they put down the HIGHEST figures for Hours, Documents, Etc.;
they.could come up with to get 90 million.
Make sure the People (Class Members) get the least amount of money.
Did any of the Lawyers put a RED CENT into any ofthe Fanners Insurance
Exchange Pockets.. ???
Did any ofthe Lawyers work on this Fanners Insurance SCAM for 11 years
To deserve this money?
We Irave always had two cars, because My Husband and I have both worked, so the
following would be and estimated from 1999 thru 2010:
-$300.00 X 12(1 year)for both cars = $3,600 a year for 11 years =$39,600.00.
-$700.00 XI (1 year) for Homes = $700 a year for 11 years = $ 7,700.00
Total for 11 years (without the 6 months increases for 11 years) =$47,300.00
I have no idea where the Lawyers or Fanner Exchange Insurance, Etc., are getting the
figures from? Who said that they were Truthful? Ifthey were there would not be this 455
million law suit in the first place?
They are asking me the (Class Member) to come up with the papers from theyear 1999
thru the end of 201O? No one would have these papers back that far, Plus they already did
the work? Then why do I need to produce any papers? The only things is that they left out
all the things that I mention above from (The Class Members did the following) and
probably some other stuff that I have forgotten and can't thinkof at the moment, which
would include more money paid by me to the Fanners Insurance Exchange; but again
this is not right.
I think the minimal for me as the (Class Member) is no less than $2,000.00 to $3,000.00,
because if this is the way they are going to -do the Consumer again, as the people that paid
all the money, but do not get any ofthe rewards, then Keep.the $72.36 and give it to the
lawyers, but I just wish that my payments for Both Car Insurance and House Insurance
for 11 year meant something and ifthis is the way the (Class Member) are going to be
treated I don't want any part ofthis Law Suit at ALL.
I just have my Claimfonn attached, but I did not fill out anything, because, if lamnot
going to received the amount that lor any (Class Member) deserves, what the POINT..!!!
Sincerely Yours,
_/;J
p<: tI ~ d ~ . / 1 P ~
FOR OFFICIAL USE ONLY
FOGEL V. FARMERS GROUP, INC.
CLAIM FORM
FOR PERSONAL-LINES POLICIES
lPEla615532
01
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Address: _
Name: --'---- 111111111111111111111111111111111111111111111111111111111111
* e 1 3 8 4 7 4 7 7 3 *
LAVERNE ADAMS
29836 ROCK CREEK DR
SOUTHFIELD MI 48076-5732
o
Check this box your curren.tflame
and address if the pre-printed address to the left is
incorrect or out of date,OR there is no pre-printed
data to the left.
Dear LAVERNEADAMS,
City: _
State: __ ZipCode: _
Your 10 Number is 0138474773
You have been sent a Notice of Class Action Lawsuit and Settlement (the "Notice") and this Claim Form
because you have been identified as a potential Class Member in the Settlement of the class action
lawsuit. Fogel v. Farmers Group Inc. (the "FoQe1 LawsTlit").
Om records indicate that you are or were the flrst named insured on one or more personal-lines I,'a1111ersExchange
insun.lnce policies ill effect at any time during the class period (January 1, 1999 through December 31, 2(10). You have
been sent the Notice and Claim F01111 as the first named insured on those policies and on behalf of all other named
insureds, Only the first named insmed may submit a Claim Form for each policy.
111ere is a $455 million Settlement involving management service fees paid by the Fanllers Exchanges. Farmers'records
show that you are eligible to receive approximately $72.36 from the Settlement If you, as first named insured, would
like to receive this payment, please sign this Claim Form and retu111 it to:
Farmers Group Settlement
P.O. Box 2422
Faribault, MN 55021-9122
Alternatively, you can submit your Claim Form electronically by going to the website www.fogelsettlement.com.
All Claim Forms must be submitted online or postmarked by no later than December 6, 2011.
The $455 million Settlement fund will be paid on a per-policy basis and will be apportioned among class members
based on the following formula (not including potential interest):
(AlB) X $455,000,000 =Class Member Settlement payment
A = Total premium amount paid by Class Member on his/her subject Exchange policies
B =Total premiumpaid by ALL Class Members on All subject Exchangepolicies
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Exhibit 9-17
Nancy and Brooke Dunn
1360 Enchanted River Drive
Henderson, NV 89012
Residence: 702-616-6917 BandNDunn@msn.com
June 13, 2011
Clerk of the Court
Re: Fogel v Farmers Group, Inc. No. BC300142
Gentlemen:
We are appalled by the notice of settlement for the above case. We are invoiced on a
monthly basis for coverage of five (5) automobiles. We are also invoiced annually for
three homeowner's policies, a personal liability umbrella and a life insurance policy. We
understand that this covers the premiums paid from 1/1/1999 to 12/31/2010.
The information that we must include in our correspondence (per the notice we received)
follows:
What is appalling is the amount the Class Counsel will be receiving for their "work".
They are "extorting" $90,000,000 plus an incentive of $30,000.00 from Farmers. This
amount will have to be recovered from the policy holders. Thus, because of the work
done by these attorneys, the cost of covering our home, cars and our lives will increase.
Reason we do not like the settlement:
Simple, we were given an estimate of the insurance rates prior to purchasing the policies.
We, as free Americans, had the ability to choose any insurance company we so desired.
We choose Farmers due to a number of factors; including service, financial backing,
trust, ability to handle claims and the rate.
Dunn Family Trust
Nancy and Brooke Dunn
1360 Enchanted River Drive
Henderson, NV 89012
702-616-6917
152645355
928532608
602302044
159314191
604636670
Telephone:
Policy Numbers:
Address:
Name:
What judge allows such a thing? If a person believes that Farmers charged too much,
they were free to change insurance companies and deal with someone else. A class
action suit is no way to handle this type of matter in a free society.
We would opt out of the settlement if we had any trust that the money that we will be
"awarded" would not have to be paid by Farmers. There is no way we trust the Court to
do the right thing given that they have already made a decision that benefits the trial
lawyers and no one else. Unbelievable. How do judges that do this slee.p at night?
If there is any way on God's Green Earth that the Court will do the right thing and deny
this settlement, it may shock us so much that we may start to believe that there is still
.justice in the United States of America.
We beg the Court to dissolve this settlement offer and tell the attorneys for the Plaintiff to
buy lottery tickets if they want to get rich.
Let's spend the Court's time on real issues and not on matters that are so frivolous that
the people being protected will receive a measly $6.42 and the attorneys will receive in
excess of $90,000,000.00.
We have been a policy holder with Farmers for over 20 years. We also have coverage
supplied by State Farm and Mass Mutual. We have found Farmers to be a solid citizen
when it comes to the insurance business. As good consumers, we conduct price checks
on an annual basis to ensure that we want to stay with Farmers. Our only hope is that this
ridiculous action does not increase our premiums, forcing us to change insurance .
companies.
Also, please rest assured that any money we will receive will be sent to Farmers plus
more to cover the higher premiums due to your insane ruling,
We have enclosed our claim form to maintain our rights to the settlement. The reason for
this was stated above, if we believed the money would not be extorted from Farmers
anyway, we would opt out in support of Farmers and the free market system.
By the way, ifthose complaining didn't like the charge, they should have just found
another insurance company. There are plenty to choose from in the competitive world of
Insurance.
Even though there is probably no hope that the Court will do the right thing and dump
this lawsuit, we appreciate your consideration of our views.
No one in our immediate family or extended families works for Farmers or is in the
insurance industry. Other then being a customer, we have no ties or investments with
Farmers.
Please do the right thing on behalf of all policy holders and deny any payment to the
Class Action Attorneys and throw the case out. The Court will do more to save money
for those theoretically hurt by this "action" of Farmers by disallowing this settlement
(and keeping premiums lower) than these people will gain from a onetime check for
$6.42. .
If the Court is really concerned for those that were allegedly wronged, tell the Plaintiff,
"Sorry, you should have realized that Farmers was charging you a premium to cover the
cost of insuring you, pay taxes, pay employees, market, pay property taxes, pay legal fees
and make a profit. If didn't believe it was fair, you should have changed insurance
companies." If the Plaintiff was so stupid as to not notice this for over ten years, well,
then it is hislher own fault. There are other insurance companies that would have gladly
accepted his/her h l ~ s i n e s s .
Our government leaders and representatives should also weigh in on this case (and all
similar cases). These type of suits do nothing to benefit society or the economy. The
insurance companies have enough regulations and regulators overseeing their business to
ensure that the public is protected. The added burden of defending themselves against
attorneys that have nothing better to do than file ridiculous cases like this results in
businesses reducing their staff, reducing constructive investment in expansion and ends
up hurting the very people these "lottery lawyers" claim they are protecting.
Please "Stop the Insanity" and dismiss the case without any compensation to the
Plaintiffs and the attorneys.
If you've ever had to make a claim due to theft, fire or other cause, the insurance
company becomes your best friend. Why would the system want to pay attorneys, who
have absolutely no skin in the game, $90,000,000.00 which will either hurt investors
(pension plans, 401ks, money for the common man) or policy holders?
Sincerely,
Nancy Dunn
Satisfied Policyholder
Claim Forms
Mr. Raoul Kennedy, Esq.
Palo Alto, CA 94301
Cc:
Enclosure:
U(V
Brook,/Dunn
Satisfied Policyholder
Mr. Thomas V. Girardi. Esq. //
Girardi & Keese
1126 Wilshire Blvd.
Mr. Ralph C. Ferrara, Esq.
Dewey & LeBoeuf LLP
1101 New York Avenue, N.W.
Suite 1100
Mr. Bob Woudstra
President & CEO
Farmers Group, Inc.
4680 Wilshire Blvd.
Government Representatives (via e-mail wlo claim form)
President Baraek Obama
Governor Jerry Brown
The Honorable Senator Harry Reid
The Honorable Senator Dean Heller
Congresswoman Joe Heck
Congresswoman Shelley Berkley
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Exhibit 9-18
John F. Kane III
2105 County Road 255
Cullman, AL 35057
(256) 775-1612
RE:
Fogel v. Farmers Group, Inc. No. 8C3OO142
RECEIVED
JUN 16 2011
GIRARDI & KEESE
Policy
602091431
144543389
148938739
157913940
162560617
175194673
914379379
940385333
Gentlemen,
Name insured(s)
J &S Kane
John francis Kane III
John Francis Kane III
Policy Type
Umbrella
Auto
Auto
Auto
Auto
Auto
Fire
Fire
Premium Paid
4216.29
2061.19
8469.92
6692.20
4505.23
3155.34
18018.81
4240.38
I object to the entire premise of this lawsuit. At any point in time I, like anyone else, could take my
business elsewhere. I of course have no knowledge of California State law regarding management fees
and don't see howthat portion applies to me or 49 other states.
"The Lawsuit Claims that the management fees that Farmers Group received were too high and that
Farmers Group made too much in profits." If in fact that is the case and Class Counsel is concerned
about my welfare I propose they receive only their audited expenses and a small but reasonable wage
for their time. I propose it should be no more than the average wage earned by the Class Members they
represent for the same number of hours worked. It goes without saying that the independent firm that
audits their expenses should be paid by the defendants along with all court costs.
I noted that if I exclude myself I have no basis to object because the settlement no longer affects me.
Therefore I will go on line and electronically submit my claim form. I assure you that I will donate any
monies received to a non-profit organization. I paid Farmers willingly after shopping the insurance
market. After all, to believe that anyone should profit from something such as this is just plain wrong.
Right?
Somewhere someone has to lead by example. If you are reading this are you going to perpetuate the
lawsuit cycle and write checks for "up to $90 million...and an incentive award..."? Exactly who do you
think will pay the $455 million settlement? How long do you think I should have to wait after I (who
have Willingly paid $51,359.36 in premiums) have been awarded my $328.12 portion ofthe settlement
for my rate increase letter? Please use a little not so common sense along with staying within the
guidelines of the law. Don't make this too profitable for anyone. After all that is the premise of the
lawsuit.
( J e * ~
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Exhibit 9-19
RECEIVED
JUN 15 2011
G\RARDI &KEESE
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Exhibit 9-20
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Dear CHRISTYMASON,
City:
Zip Code: _
Your ID Number is 0242787820
D
lawsuit, Fogel .. v.,
Our records indicate that you are or were the first named insured on one or more personal-Jines Farmers Exchange
insurance policies in effect at any time during the class period (January 1, 1999 through Decernber31, 2010). You have
been sent the Notice and Claim Form as the first named insured on those policies and on behalf of all other named
insureds. Only the first named insured may submit a ClaimFann for each policy.
=.;F.. ou,a.Ex .. s =.
1ike!on=ive1biSpoyment,pl.... :r:- \
",4$
Alternatively, you can submit your Claim Form electronically by going to the website
All Claim Forms must be submitted online or postmarked by no later than December 6, ZOl1.
based on the following fonnula (not including potential interest):
(AlB) X 5455,000;000 - Class Member. Settlement payment
A = Total premium lWJ!mber onhis/her subject Exchange policies
B :::;: Totalpremiumpaid byALL. Class Members .on All subject Exchilllgepolicies
J1IIIIIlmJ1I1
..... C F .....
upp6f'
The information below identifies personal-lines Exchange policy, the named insureds, the line of insurance issued, and PJiOlf.
the amount ofpremium paid on the policy during the class period.
149185954 CHRISTYMASON AUTO
154340236 CHRISTY MASON ;4 AUTO
178706830 CHRISTY MASON MAR.. SON AUTO
183214337 CHRISTY MASON AUTO
4lf3o lV. \z..,*,bl'1 ::
935539517 CHRISliMASON RRE
941558978 . .. .. .....CHRfSTY " X0 RRE
10&+0>.... 00;' . "
(lQlt1ont-D'1, /'I f70
$931.54
$3,622.80
$2,610.53
$2,484.96
$2,678.02
$1,067.20
$228.28
$154.65
Accordilig to the information above, ifyou submit a valid and timely ClaimForm, you will receive an estimated settlement
payment of $88.03onthe policies listed above(not including the potential effect ofany interest).
Section" - Additional Policy Information.
If you believe that the information shown in Section I is incorrect and that you ullder any
personal..lines Exchange policies not shown in Section I, please identify the additional. personal...ines Ex.change
policies below (or on a separatepieceofpapc;:r, ifnccessary):
7
$
-,---1-------
$
?
I attest to tire best offIo/knowledge that I ama current: or past subscriberornamed-insuredr.nukr the penonal-lines
Exchangepolicies identifiedabove in Section L I declare under penalty ofperjury that the policy informalion I addedto
Section II (ifany) is true andcorrect I understmul andagree that, by subrnittin . ClaimForm, I will receive on behalf
of andeach other namedinsuredan estimatedsettlementpaymenli?f$88. 03 .... the Section I policies. oi h J
(53 ..... '. ... . ..... .... .. '<. J:: hLfL BSlflLS ttl (j
First'NamedInsured(print) . thrlStyL .. lJJpodOltlsm
( /)5/ z ct. / j q '"oS) .Jr(: JfL. 0., tP. co t/ J.
7 "/ * fihvl,ydJ!Il L ttJ()(> '. . J:-
By (Sign): .. l-. aJ ..........Signature Date: I2kl lLIr2,O/I_ LL 's bz-
lI/M-ort"nt:J .,-,,1
JI.I {!oM!lIJ'-'
By (Print): (lite/sty lr}asl[Yl 'I$5id-.-'lfJ'l? Title: IJl1JlUr dl po//eg q,h61.tPclb2-,
, V"I'l0,.e--
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IF YOU HAVE QUESTIONS PLEASE CALL 1-888-538-5785 OR VISITWWW.FOGELSETTLEMENT.COM
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Exhibit 9-21
June 13,2011
Thomas V. Giraldi, Esq.
Giraldi & Keese
RE: Ella Scruggs
ill # 0061251960
BE IT KNOWN this date, June 13,2011 that I OBJECT to the settlement amount
of $11.11 because it is too small.
SincerelY. 0.. .
~ I t - ~ ~
Ella Scruggs 1/ {)
.....
Ella Scruggs
18011 Lindsay
Detroit, MI 48235
fe'fErROPLEX M:t.t:taO
.PM 5 T
Thomas V. Giraldi, Esq.
Graham B. Lippsmith, Esq.
Giraldi & Keese
1126 Wilshire Blvd.
i i
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Exhibit 9-22
/3 FHM/X..vEff I VED
JUN 20 2011 .

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CLAIM FORM
01
o
Name: ----------- 111111111111111111111111111111111111111111111111111111111II1
* a 240 & 2 981 8 *
o
Check this box @nd 'provide your name
and address ifthe tothe left is
incorrect oroutof date, OR there is nopreo-printed
data to the left. . 0
EMMA WIGGINS
617 GENE GUNTER RD
DEVILLE LA 71328-9225
Dear EMMA WIGGINS,
Address: -------------
City: _
State:__ ZipCode: _
lawsuit, Fogel v.uFarmers Group Inc. (the "Fogel Lawsuit").
Our records indicate that you are or were the first named insured on one or more persomll-lines Farmers Exchange
insurance policies in efIect at any time during the class period (January 1, 1999 through December31, 2010). You have
been sent the Notice and Claim Fon11 as the first named insured on those policies and on behalf of a]] other named
insureds. Only the first named insured may submit a Claim Form for each policy.
There is a $455 million Settlement involving management service fees paid by the Fanners Exchanges. Farmers' records
show that you lire eligible to receive lipproximately $6,70 from the Settlement. If you, as first named insured, would
like to receive this payment, please sign this ClaimFOlli and return it to:
P.O. Box 2422
(A/B) X $455,000,000 =Class Member Settlement payment
A =Total premium amount paid by Class Member on his/her subject Exchange policies
B = Total premiumpaid by ALL Class Members on All subject Exchange policies
1c- 1F_Y_O_U__H_AV-,oEc-o_o._U_E_ST_I_O_N_S_P_L_EA_S_E_CA_L_L_o_1-_S_Sc-I3-_Sc-ac-s_-5_7..;..SS_O_R_V_I_S_IT_W __W_W..;..o._F_O_G_EL_S_E_T_T_LE_M_E_N_T_.C_O_M I
D II!IIII!IIII I1!111111111llllI!II D
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CLAIM FORM
01
o
Name: _
Address: _
City: _
Check this b(lX and provide youtcl,lrrent nan'le
incorrect or out of date, OR there is nopre-prihted
data to the left.
D
0 2 2 1 3 7 9 1 7" 6
SAMMY WIGGINS
617 GENE GUNTER RD
DEVILLE LA 71328-9225
1111111111111111111111111111111111111111111111111111111I1I11
State:__ ZipCode: _
Dear SAMMYWIGGINS,
because you have bee11 identified as a potential Class Member in the Settlement of the class action
lawsuit, Fogel v. -Farmers Group Inc. (the "Fogel Lawsuit").
Ollr records indicate that yOll are or were the fir&1: named insured on one or more personal-lines Farmers Exchange
insmance policies in effect at any time during the class period (January l. 1999 through December 31, 2010). You have
been sent the Notice and Claim FOlTIl as the first named insured on those policies and on behalf of all other named
insureds. Only the firgt named insured may submit a Claim F01111 for each policy.
There is a $455 million Settlement involving management service fees paid by the Farmers Exchanges. Farmers' records
show that you are eligible to receiYe approximately $6.15 from the Settlement. If you, as first named insured, would
like to receive this payment, please sign this ClaimForm and return it to:
P.O. Box 2422
(A/B) x $455,000,000 = Class Member Settlement payment
1 1F_Y_O_U_ L=---.:....1-...:..S....:.8..:..S-...:..S...:..3....:.S-:-S:..:.7....:.8..:..S-:0:..:.R::....V::....I...:..S..:...IT.:....W....:.....:.W:....:W..:... --JI
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Exhibit 9-23
6-14-11
.Class Counsel
GrahamB. LippSmith, Esq
Girardi & Keese
1126 Wilshire Blvd.
Los Angeles, Ca 90017
FROM: Ruby L. Brown
11931 Autumn Wind Lane
Victorville, Ca 92392
EMAIL: rubylynnbrown@charter.net
Ph. No. 760-948-7120
Cell 760-490-8495
Re: Fogel v. Farmers Group, Inc
No. BC300142
1. Insurance Provided by: Fire Insurance Exchange
Policy No. 92108-94-48
2. Farmers N W Life Ins. Prem 010506
Dear Sir:
I object to the amount of the class action settlement that is
currently offered to me. I have been a Farmers policy holder for
the past 40 years. Through out those years, I was advised by
friends and family that I was being charged an exorbitant amount,
however remained loyal.
Please see two examples. I paid over $1100.00 per year for my
homeowner's policy to Farmers for years. When I fmally sought
out another company, Tower Select, thru All State in 2010, the
same coverage for the same dwelling was decreasedto $479/yr.
Pg2
I was issued a Life Insurance policy in approximately 1999 for
which I paid $55.00 per month. I paid this amount for
approximately 12 years, thinking that I had a policy with CSY.
Just before the policy decreased to zero balance, my agent, Paul
Simpson telephoned me stating that the policy that he issued to me
was decreasing a lot faster than he thought. Surely he must have
known from the start the direction that the policy was going. I Was
then 12 years older and was forced to go over to Allstate, where I
am now paying $98.00/mo after starting over.
I feel that I should receive the maximum settlement of $4000.00.
Also, when a home that I owned burned down, during that 40 year
period, we never recuperated, as Farmer's paid only a small
percentage of its value.
Thank you
Agent Deli; premium: He:
Jt h.1 b. T" S1,141.99 S .00 S1,141.99
Offer ofRenetllfllyright 2011 Rapattoni /tIl rights,e:!.eNed. . .. ,
(This is the notke prior to due dote.) 1).5. Patent 6,I1111P1RyouJUl' your bustness.
The Company will renew the policy for the tean of 09-10-06 to 09-10-07,ifpayment of the
premium is made on or before the due date. Ifpayment is not received by the due date, the policy
will not renew.
Polity informotion
92392-6815
11.1....I.1..11.1.1....1. I.111..1....11.1.1...II 11...III
Dear Valued Customer,
This is not an invoice. Your Mortgagee has been biDed.
For more information regardingyourpolicy or bill, visit our web site at
www.farmers.com.
Agent number. 29-36-395
A0952300
Premium
$ 1141. 99
Incl uded
Incl uded
Incl uded
Incl uded
Incl uded
Incl uded
Incl uded
Not Covered
Renewohremium '$ 1,141. 99
I
Policy number: 9210894-48
Loan
number: 0063109714
Phone: (714) 538.uJ4
10%
Not Covered
$ 299,000
$ 29,900
$ 224,250
$ 149,500
$ 100,000
$ 1,000
JUnounlofinsuronce
Dwelling Incl. Extended Repl. Cost
Other structures
Personal Property
Loss of Use
Personal Liability
Medical Payments to Others
Contents Replacement Cost
Building Ordinance Or Law
Description of covemges (See reverse for deductible)
Insurance provided by: ARE INSURANCE EXCHANGE
Named insured: RUBY l BROWN
Property location: 11931 AUIUMN WIND AVE
VIUORVlLlE CA 92392
Earthquake - - - - Not Covered
Agent: PAUL SIMPSON LUTCF
Agent's e-mail: psimpson@formersaganl.wm
25-0952 12.Df PIinIedIII[ 01-19-116 Refoin for your records -Offer of Renewol continues on reverse side.
---_. ----
RUBY L. BROWN
11931 AUTUMN WIND LN
VICTORVILLE CA
lQ!!!
:t81PaulDSiJlaon
g lB 1431 EChapmanAve
IE Orange CA92866-2228
...
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TOWER SELECT "/p
I
1llJ
Homeowners . . ,- l .
.ZJ:: Renewal Certificate InsUred Copy
>licy No. H0E2954270
mewal Of H0E29S4270
Policy Period: From 03/19/2010 To 03/19/2011
12:01 A.M. Standard Time
arne Insured:Ruby Brown
ddress:
11931 Autumn Wind LD
Victorville, CA 92392
Agent:
Address:
Agent Code:
Northeast Agency :tnsurance
clo RM'MORD GBIIIIE
21611 YUCCA LOMA 1m
Apple Valley, CA 92307
550200R
ices
p
1/ ID
r , 9frO'OI-6'9I
ua
l E1d 's'n
if;
/' sllll5PIlt! UO/leJodJrY.) !uoUE1d6'l:/ I- I-OZ@1lll5fJAdrY.)
pssluE1mnl5 lOUlnq 'S/qE1!/aJ pawasp UOnE1WJOJUj lit! I
'S1W l:/t!/I1\ jO SIUE1dp!lJE1d pSZ/Jollln6' JOj S! U!a/slI PSU!6'luo::J UO/lE1WJOjU/
:::J!1 96VS-06HJ9L :auolld N/6'sl:/ E1!WOJl/E1a {enuapTlJdI YVSBLLJ..O :::In UMOJEl1 Aqnl:/ :/fEl palu8SaJd
:oDsiderationofpayment ofthe Renewal Premiwnindicated, the policy is hereby renewed by the Company fur theperiodstated, subject to all
cements, stipulations. provisions, conditions and limitations thereofandendolSCDients thereto. excepts as stated below. It shall further be
ject to any additional endorsements applying during the renewal period.
s renewal certificate sbaJI have the same status as though a newpolicy had been written with similar provisions, stipulations aud agreements. If
ing the period that insuranceis in force lJDeIer saidpolicy or as renewedbythis certificate, the policy. any authorized endorsements or filed rules
.regulations affecting the same HIe revisedby smnne or otherwise, so as to extendor broaden this inswance without additional premiumcharge,
Dextended or broadened insiJ.rance shaD inswe to the benefit ofthe assured hereunder. This is a Valuable document.
Ie residence premises C?vered by this policy is located at the above insured address unless otherwise statedbelow
,cation:
nstruetion
.-
Ord./Law Year Built Territory Prot-Class No. Families Hurricane W'mdDed. Prot Dev. Cr. Occupancy Value Up
pe Ded.: % %
2004 079 1 1 Family RIA B/A 20.0% Owner Yes
case ofa loss under Section I. we cover only that part of the loss over the deductible: $1,000 applies to all perils
)verage is provided where limit ofliability is shown.
except where
otherwise rovided
-
)ection I Coverage Limit ofLiability
Premium.
Building
$364,000
Basic Policy Premium:
$459
Other Structure
$36,400
Additional Premiums:
$20
Personal PrODertv
$254,800
Loss ofUse $72
r
800
Total Location Premium:
$479
--
:tion II Coverage
-
-
Personal Liabilitv $300,000
Total Policy Premium:
I
$479
I J
Medical Payments to Others $1,000
"
I
/
rms and Endorsements See Scb
-
]j' Attached
ued Date: 01/21/2010

011 (06/08)

Page 11 of 17
EVIDENCE OF PROPERTY INSURANCE
Named Insured: RUBY BROWN
Copyright2011 Rapattoni
P;l[]l'! 2
U.S. Patent 6,910,045 ,W 87*:.

Additional Coverage Information
-
"-...
...
Number Edition Description
Premium
CLAIMS 01/00 ". Loss History
Included
DeDUCT 01/00 Deductible Adjustment
($94)
HOMEAGE. 01/00 Age of Dwelling DiscountSurcharge ($196)
MULTI 12/08 Multi-Une Discount
($128)
UN 09 80 09/06 Fungus, Wet or Dry Rot or Bacteria (H03) Included
HO 2490 08/01
Workers' Compensation for Private Res Employe $5
UN 3030 02/09 Earthquake Insurance Offer
Included
HO 0416 10/00 Premises Aiarm or Fire Protection
($43)
UI04 55 01/06 Identity Theft Expense COverage $25
UI-CA106 04/09 Animal Uability Umitation $45
-
"UIEBEE
. _.
06/06 - Equipment BreakdownEriifcmcemenf - --.
- ---_. - _._- -- ..
$25
'." .-
UN 09 56 04/09 Executive Homeowners COverage Form $118
HO 00 03 10/00 Homeowners 3 Special
Included
HO 01 04 09/06 Special Provisions - california Included
HO 0496 10/00 No Sect n Uab COv for Home Day care Included
UI101 04/09 Animal Liability Exclusion Included
UI108
'1'.I.',
02/07 Trampoline Uability Exclusion Included c1
UIGLB 05/07 Privacy Notice Included
UN 09 74 02/08 Intentional Loss Exclusion Included
UN 09 96 03/08 Pollution Exclusion Included
UN 3285 06/08 CA 001 Consumer Afflairs Div Notification Included
UN 3286 06/08 CA Residential Prop Ins Disclosure Included
UN 32 87 06/08 CA Residential Prop Ins - Bill of Rights Included
Inspection Fees $50
t""
Premium Summary

Totals Premium
Basic Coverage Premium $875
Attached Endorsements Premium ($243)
Fees And Assessments $50
Scheduled Property Premiul11 $0
l
Total Policy Cost
.-
$682 )
- ....
--'"
Additional Interests
1st Mortgagee
Wells Fargo Bank NA #708 Its successors and/or assigns
POBox 5708
Springfield, OH 45501
Loan Number: 0083304329
THE POUCY IS SUBJECf TO THE PREMIUMS, FORMS, AND RULES IN EFFECT FOR EACH POUCY PERIOD. SHOULD
THE POUCY BE TERMINATED, THE COMPANY WILL GIVE THE ADDmONAl INTEREST IDENTIFIED ABOVE WRTITEN
NOTICE, AND WILL SEND NOTIFICATION OF ANY CHANGES TO THE POUCY THAT WOULD AFFECT THAT INTEREST,
IN ACCORDANCE WITH THE POUCY PROVISIONS OR AS REQUIRED BY LAW.
H'U"Te...., bi DV/lLe.- (') W 10 -Y S %I; C!-i JDW t9 oA-Nl-E:-
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963
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34.06 708.30
::..': m !;O.00 . .. ..":.. . . &
965 62.95 792.36
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2.00 1120.03 bl 8'
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62.00 1122.03 6' ::: g
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200.00 1184.03
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34.99 1384.03
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221.00 1419.02 c: Ql
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632.64 1640.02 ' iii'
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11.69 2272.66 Q.
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38.75 2284.35 . ;.a
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70.00 2323.10 .cg,-:'c:;'
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19.93 2393.10 t;;:.;'i!
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21.95 2413.03 . ::I.lQ
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959 82.97 2434.98 Iii iil ;a m
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960 110.23 2517.95 l[!;i
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100.00 2628.18 Q.:t>g
........... ' ., .. . _.. ::tJ CD
+ 237.00 2728.18
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+ 441.29 2491.18
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+ 510.00 2049.89
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+1091.00 1539.89
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100.00 872.89
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ow , M _., ".. , ' , _ _ ,. ', _ "... "
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01/09/06 Check Yes
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01/09/06 Check Yes
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Pos Alberts......... No
ey.r.D!..C>601 07 ""__'''''''_ No
.. pirectv Che9kpY!:n.tQ6()107 965... No
Check '" ,..... . " ..".'(es
,.... Yes
Q1.lQ.!Q .... Check, ...",,,,,.,,,, ,..,,, ,,. .. .... " ....." yes
.. Fee ..... No
Q.119!()E3 Atrn. .. ..Bear Vallbear ....p!'Jo
..: .. No
999.99 ,...... .
Check, .. , _ , . Yes
QJ./Q?/Q(s . 10506 QQ4.7Q No
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. ".."'" " , Yes
.. Msn .. No
Gheck ......"'" ..."..".. .._.. ,.. ...... .."......"..
Gheck p ...................." ,.. ....., .. " Yes
.. Atm Vall{:)y 8" ' ,f\JO
.JJs Ireas'JrY.. ..()9... 01030E? No
.. J30eing .. P!1.Pr'!lJs/cf Jan.. .. No.
.. Us ,.... . ... No
.1Js. ..ec: 010306 .. . No
Auto TrafisferIQ.. . No
Atm. .. t?9.J3ear Valley. R...., NQ ..
For DdAd\iQnJ?.. ,
" No
*fil1ancC3 .For Dd Ar.i" 9DJ.? No .
e.aymel1tE.9r,.. .. _ N() .
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1/23/2006
-- -
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Exhibit 9-24
I FOR OFFICIAL USE
o
CLAIM FORM
01
lPE10824530
Name: _
1111111111111111111111111111111'1111111111111111111111111III
a a 8 8 9 7 131 7
D
Check this box and provide your cu
. and address If the pre-printed address
incorrect or out of date, OR there is no
data to the left.
Address: _
City: _
Zip Code: _ State: __
JAMES CLARK
4346 BALFOUR RD
DETROiT MI 48224-3442. k
/SrJvJ
"
_ : ,...I c I u Your 10 Number is 0088971377
Dear JAMES CLARK,
You have been sent a Notice of Class Action LtlWsuit and Settlement (the "Notice") and this (
because you have been identified as a potential Class Member in the Settlement of the c
IflWSllit. vogel v. vmmers Group Inc. (the "vogel Lm,vsuif').
Om records indicate that you me or were the 1irst named insured on oneal' more personal-tines Ji'arme
insurance policies in dIect at any time during the dE\SS period (Januury 1, 1999 through December3l, 2010
been sent the Notice and Claim vorm as the first named insured on those policies and on behalf of all '
insureds. Only the first named inslll'ed may submit a Claim Form for each policy.
(A/B) X $455,000,000 = Class Member Settlement payment
A =Total premium amount paid by Class Member on his/her subject Exchange
B =Total premiumpaid by ALL Class Members on All subject Exchange policies
Alternatively, you can submit your Claim Form electronically by going to the website www.fogelsettl,
The $455 million Settlement fund will be paid on a per-policy basis and will be apportioned among
r)
c::;

iC:"

<.

111111111111111
*' 1.
11111111111111111111
*' C F *'
There is a $455 million Settlement involving management service fees paid by the Farmers Exchanges. Fam
show that you are eligible to I'eceive approximately $12.35 from the Settlement If you, as first named im
like to receive this payment, please sign this ClaimFOlm and rehlfl1 it to:
P.O. Box 2422
I
.IF YOU HAVE aUEimONSPLEASE CALL OR VISIT WWW.FOGELSETTLEMEN.T.COM

D 11!111111111
~ , -:
19. How do I tell the Court that I don't like the Settlement?
If you are a Class Member, you may object to any aspect of the proposi
Settlement, the Plan of Allocation,or the request for attorneys' f e ~
expenses, and incentive award. To object, you must send a letter sayil
that you object. Your letter must also include the following:
Your name, address, telephone number, and e-mail address
available) ,
Case name and number (Fogel v. Farmers Group, Inc., N
BC300142j,
Identification of each insurance or reinsurance policy that Wi
issued to you by any Exchange and was obtained or in force at al
time between January 1, 1999 and December 31,2010,
The specific reasons you object to the Settlement, and
Your signature.
Your objection, along with any supporting material you wish to subm
must be received no later than August 18, 2011, at the following fo
addresses:
( COURT CLASS COUNSEL
California Superior Court Thomas V. Girardi, Esq.
600 South Commonwealth Ave. Graham B. LippSmith, Esq.
Los Angeles, CA 90005 Girardi &Keese
, DEFENSE COUNSEL DEFENSE COUNSEL
Raoul Kennedy, Esq. Ralph C. Ferrara, Esq.
Skadden, Arps, Slate, Meagher & Dewey &LeBoeuf LLP
\
Flom LLP 1101 New York Avenue, NW.,
525 University Avenue Suite 1100
Palo Alto, CA 94301 Washington, D,C. 20005
20. What's the differencebetween objecting and excluding?
Objecting is telling the Court that you don't like something about tl
Settlement. You can object only if you stay in the Class. Excludi
yourself is telling the Court that you do not want to be part of t
Class. If you exclude yourself, you have no basis to object because t
Settlement no longer affects you.
THE COURT'S FAIRNESS HEARING
,
21. When and where will the Court decide whether to appro
v
the Settlement?
The Court will hold a hearing beginning at 9:00 a.m. on September 7, 20
at the California Superior Court in Los Angeles, at 600 South Commonwea
7
/
I
,'...,.-....,-c'--.
'Jl;UVfES CLARK",'
4346 ".' balfoJ,:i.r c ,
Detroit,Mich. 48224

-a
",
>/' -::.":.-
'"
RE: case # BC300142
Fogel v. Farmers
CALIFORNIA SUPERIOR COURT
-:':10'
,
', .1
"or..:
..j-4i::'3"3 i:.:::::::2
11,111/1" 111niH, 11,1,1" 1'lm"I"II,I, II,J,lf,1,I'I1,I,I;
Exhibit 9-25
fXECEIVED
JUN 2 0 2011
, J:>A,J f L- . T .COL) /ZGIRARDI &KEt-S{TIJ l)9( 0 5
i()(;/ 077,0771 Uti.
LAS . VG-!+S I tJ/ff?:>A c(:,<)fc-.
8ilL/y C
f6lJC'l 1-f;. /1)18/o,5lg
rJAM. rtJSUfl.D - "])MleL Cr.,y)/L
pow L'f TYf (hJT/J
f (Zif71U:r7) p(t IP - :iJ, 3i () 9/ !J.i-
P6UCY-If. 93
l
J fo8! q03
fJfftJL Vsu/?-f;> - "YArJf/iL Q0JL
fo
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y - Fr;2
PRiE!1/ v.tY) l A tP - dLip'3 g..
...........' 'h 66-seer "TD 77-1- flt1du.J'j ...Lf(1 f2!ZCdl
V
(/J f- Ii S
... .('1'1 .l!t>ftDo.d Or 771L
., .:LCIS:nfcr ... 70 17:fL LAwYf)tS f?ff-CIV/AJ 6-- /()O
.' f]V> rL. '77J/}jL
-rD (J10c/lfft'J ;15/(/; file
.................c. --r CJJ;>.fV'Y3tJft&t-I1tvj :Pi .
. ... XPL..'trJw.. Vi-(>tJVI T11\S Dt$(-brJt5ry 1.:;= woUGO
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'L{26<ufZ)j ny SErrL!)J/uJJ;/ $/WE- C ;J-J IZ5T>t G
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Exhibit 9-26
D
FOR OFFICIAL USE
CLAIM FORM
01
lPE18824538
Name: _ 111111111111111111111111111111111111111111111111111111111111
a a a 8 9 7 1 3 7 7 *
D
Check this box and provide your cu
and address if. the pre-printed address
incorrect or out of date, OR there is nc
data to the left.
Address: _
City: _
Zip Code: _ State: __
JAMES CLARK
4346 BALFOUR RD
DETROIT MI 48224-3442 h
L:rJvJ
313L/Ol-b3bb
- : ,oJ c I . Your ID Number is 0088971377
Dear JAMES CLARK,
You have been sent a Notice of Class Action Lawsuit and Settlement (the "Notice") and this (
because you have been identified as a potential Class Member in the Settlement of the c
lawsuit. Pogel v. ParmersGroup Inc. (the "Pogel Lawsuit").
Our records indicatethHt you are or were the first mll11t:d insured on one or more personal-lines ParmtJ
insumnce policks in dIed at anytimtJ during the class period (Jtlnuuryl, 1999 through December}l, 2010
been sent the Notice and Claim Porm as the firs/named insured on those policies and on behalf of all '
insureds. Only the first named insured may submit a Claim Form for each policy.
There is a $455 million Settlement involving management service fees paid by the Farnlers Exchanges. Fam
show that you are eligible to receive approximately $1235 from the Settlement. If you, as first named iw
like to receive this payment, please sign this Claim Foml and return it to:
P.O. Box 2422
Alternatively, you can submit your Claim Form electronically by going to the website www.fogelsettll
The $455 million Settlement fund will be paid on a per-policy basis and will be apportioned among
based on the following formula (not including potential
A =Total premium amount paid by Class Member on his/her subject Exchange
B = Total premium paid by ALL Class Members on All subject Exchange policies
1111/1111111111
*' 1
11111111111111111111
*' C F *'
, '---....;':.:..F....;y--=O--=U:.-H:.:.;A:..:..V:..:- Q= . .=-u=ES:...:T:..:..I0.=-.:.:.;N.=-S..:..P.::;L=E c.:..: . .:.-1'.::;8.=-88=-.--=5.::;3.=-8---=5:.:..7.=-8=-5--=O..:..R:...,V:...;I.::;S:...:!T_W:.:..-=..:W:...;w.:.,: ".:...Fo.=-G.=-::..:EL::...:S:..::E:.:.T..:..TL::..:E::..:M:.:..E::..:N.:..:T..:... C:....:O::..:M.:.:......
D 11!lllllllll
D
Section I - Information Presently Available to Farmers in Its Records
The information below identifies personal-lines Exchange policy, the named insureds, the line of insuranl
the amount of premium paid on the policyduring the class period.
POLICY NAME INSURED(S) POLICY TYPE PREMIUN
159733876 JAMES CLARK AUTO $1,932,93
Total, $1,932,93
Because of splice limitations on this claim form, the above list may not include all name,d Insureds for all policies. To view a listing of all
please view the electronlcver,ion of your claim form at the website, www.fogelsettlement.com. "
According to the information above, if you submit a valid and timely Claim Form, you will receive an estima1
payment of $12.35 on the policies listed above (not including the potential efIect of any interest).
Section II - Additional Policy Information.
If you believe that the information shown in Section I is incorrect and that you were a first named insur
personal-lines Exchange policies not shown in Section I, please identify the additional personal-Iill
policies below (or on a separate piece of paper, if necessary):
Policy
.,',', ,'"
Issued By (Identify Farmers Insurance Exchange,
Fire Insurance Exchange orTruck Insurance Exchange)
".','" ,', ,,' ','" ",',> ,', "
Amount Cl
Premiums Paid E
,,', 1/1/1999 and12J
$
$
-1---1--
$
Signature Date: 0 12; .1:J; L..Q
Title: :it!S i.I /l. /.I 1:,
First Named Insured (print) ----,"Ii..L.J..A.2...LI"1-:!.....Joi.1",--J' __
By (Sign): dd
/ L
By (Print): --Ifq M if J CI A /{ k
I attest to the best of I'Ily knowledge that I am a current or past subscriber or named insured under fhe p
Exchange policies Identified above in Section l. I declare under penalty ofperjury that die policy biformati
Section II (ifal1)1 is true and correct. I understand and agree by submitting this Claim Form, I will reCE
ofmyselfand each other named insured an estimated settlement payment of$12.35 on the Section I policies.
Ob 'JiG1- I! NOt..

'SUBMIT YOUR CLAIM FORM: You may either:, .'> ".' " , , "
Mail this Claim Formto FarmersGroupSettlement, P.O., Box 2422, Faribault, MN 55021-9122
(mustbe postmarked by December6
t
20U) OR Submit your ClaimForm electronicallyby .'
going to the website www.fogelsettlement.com. (deadline for submitting a claim electronically is Decembel
D
IF YOU HAVE QUESTIONS PLEASE CALL 1-888-538-5785 OR VISIT WWW.FOGELSETTLEMENT.COM
11111111111111
'* 2
19. How do I tell the Court that I don't like the Settlement?
If you are a Class Member, you may object to any aspect of the propos,
Settle.ment, the Plan of Allocation, or the. request for attorneys'
expenses, and incentive award. To object, you must send a letter sayi
that you object. Your letter must also include the fOlloWing:
C
Your name, address, telephone number, and e-mail address I
available),
Case name and number (Fogel v. Farmers Group, Inc., Ng...
BC300142), t
Identification of each insurance or reinsurance policy that
issued to you by any Exchange and was obtained or in force at art
time between January 1, 1999 and December 31, 2010, !
The specific reasons you object to the Settlement, and I.
Your signature. .
Your objection, along with any supporting material you wish to sUbmf
must be received no later than August 18, 2011, at the following fo I
addresses:
(
COURT CLASS COUNSEL
.
California Superior Court Thomas V. Girardi, Esq.
I
)
600 South Commonwealth Ave. Graham B. LippSmith, Esq.
,
Los Angeles, CA 90005 Girardi &Keese
.bEFi:NSECOUNSEL.. DEFENSE COUNSEL
....
Raoul Kennedy,Esq. Ralph C. Ferrara, Esq.
I
\
Skadden, Arps, Slate, Meagher & Dewey &LeBoeuf LLP
Flom LLP 1101 New York Avenue, NW.,
525 University Avenue Suite 1100
i
Palo Alto, CA 94301 Washington, D.C. 20005
cC. -7
THE COURT'S FAIRNESS HEARING
20. What's thedlfferehce between and excluding?
Objecting is telling the Court that you don't like something about til
Settlement. You can object only if you stay in the Class. Excludiq
yourself is telling the Court that you do not want to be part of t
Class. If you exclude yourself, you have no basis to object because
Settlement no longer affects you. i,
ii,
21. Whenancl whereWill theCourtdecide whether to
the Settlement?

The Court will hold a hearing beginning at 9:00 a.m. on September 7, 201
at the California Superior Court in Los Angeles, at 600 South Commonwealtr,
-.\;
!
7
/
JAMES CLARK
4346 Balfour
Detroit, Mich. 48224
, . 1
JUN 16 2011
i!8ARDI &KEESE
.....

..
I .
1000
9001?
;.
u.s. POSTAGE -
PAID
GROSSE POINTE F.M:
"!8236
JUN I"!. 11
AMOUNT
$0.44
00063368-23" '
THOMAS V. GIRARDI, ESQ.
GRAHAM B. LIPPSMITH, ESQ.
GIRARDI & KEESE

HIIIlnillHIIlH1JUmlnliUf'll !lllulllll,J,l1lfJl1ulll _.
Exhibit 9-27
June 14, 2011
Richard Markuson
419 Nasca Way
Sacramento' CA95831
(916) 4;22-0262
RE: Page/v. Farmers Group, INC.', No. BC300142
600 South Commonwealth Avenue
Los Angeles
J
CA 90005
I am a Settlement Class member, and I object to the Fee Request.
I VEHAMENTLY object to the outrageous fees to be paid to the Class Counsel in this case.
Class counsel will receive "up to" $90 million.
If all class members receive the same compensation as I (.64%) then I suggest that class
council receive the same. In this case they should receive no more than .64% of the total
settlement paid to the class. Thus if all of the settlement class submit their claim forms and
the total $455 million is paid - class counsel gets to divvy up ALMOST $3 million!!!
I paid Farmers over $30,000 in premiums during the covered period and am eligible for
$222. The class counsel, ifyou approve this settlement win the lotto. This is so outrageous it
is almost laughable. I urge you, the Judge in this case to reject this settlement unless class
counsel receives no more than any of the so-called aggrieved class. .
To attorneys for Farmers and all similar defendant's attorneys - please stop this
appeasement practice NOW! To members of the Judiciary - please reject these class
applications and settlements!
I do not intend to appear at the Final Approval Hearing.
I am not represented by counsel. .
Sincerely,
original signed by
Richard Markuson
cc:
Class Counsel Defense Counsel Defense Counsel
Thomas Giraardi Raoul Kennedy Ralph Ferrara
Graham LippSmith Skadden, Arps, Slate, Meagher & Dewey & LeBoeuf LLP
Girardi & Keese Flom LLP 1101 New York Avenue NW STE
1126 Wilshire Blvd 525 UniversityAvenue 1100
Los Angeles CA 90017 Palo Alto, CA 94301 Washington DC 20005
$O.44
Q
I': j
us POSTAGE
FIRST CLASS
_ :i!.
071 M00661302 l
95831 8
000000193 ... :S
O!
. .
;..
j
r',
Thomas GiraardilGraham LippSmith
Girardi & Keese
1126 Wilshire Blvd
Los Angeles CA 90017
1111111111111!111111111111111111111111111111111111111111
1
1
1
11
11
1
1
J
j
..::::: i ..?+i
f'! H H ;}:: ;i i ii' : i:;i ;-it
.1, II' I!>"Ii' " .. .1, j."I.. f fill" j;",,\ "j 'lJ ,j'I' '3' "Ii! ... ,.......... ",,1 ...
Exhibit 9-28
As an unsolicited member of the Class in the aforementioned easel please
allow me to make an objection to the proposed Settlement.
In the notices that my wife and I received via the USPS
I
we are advised that:
14 June 2011
Re: Fogel v. Farmers Group, Inc.
No. BC300142
Policy Ws: 15 1264580, 184822992
1
188965992
Your Honor;
RECE\VEO
JUN 1120"
GIRARDI &KEESE
a) "The lawsuit claims that the management fees that Farmers Group received
were too high and [they] made too much in profits.
1I
b) " ... Farmers Group companies can collect management fees of 20% of
subscriber's policy premiums.. Jor the services they provide... Throughout the
relevant time period, the Farmers Group companies charged less than those
amounts.
1I
The asked-for settlement for the Class is $455
/
000,000 dollars. The asked-
for legal fees are $90,000
1
000. Over half a billion dollars
l
your Honor
l
to be paid
by the company who has insured my family for years
l
all to enrich a few lawyers;
does this make sense? Who/s making "too much in profits
lJ
here?
My family has three dollars and change coming from the Settlement.
Perhaps you could ask the attorneys representing the Class what increase in
premiums that my family and I can expect to be paying as a result of the
enrichment of their lifestyles.
I believe there are individual cases of litigation that have merit and should
be considered in a court of law. But
l
this class action nonsense must be
reconsidered and if Farmers violated California state law
l
then fines and penalties
should be levied by a court of law and remitted to the State treasury. Enriching a
few lawyers is NOT right, and is simply unjust for all of us who pay insurance
premiums to Farmers.
To begin with, as an alternative to the attorneys fees, perhaps you could
ask the law firms involved to submit claims based upon the hours spent on the
case and award them their "usual and customary fees" - isn}t that the
terminology? - at a reasonable hourly rate.
Sincerely.
~ c - I ( tvt
Alan K. Metcalfe
1769 Clearview Dr
Delta CO 81416-3007
970-874-1775
metcalfeak@gmail.com
My ID Numbers are 0060375759, 0138013644
cc: Thomas V. Girardi} Esq.
Graham B. lipps-Smith, Esq.
Girardi & Keese
1126 Wilshire Blvd
Raoul Kennedy, Esq.
Skadden, Arps et al
Palo Alto CA 94301
Dewey & LeBoeuf LLP
1101 New York Avenue NW
Ste 1100
,
Washington DC 20005
-'- -_._ .... - -. ,.....;.-----'--_.--_. - -
. I
!
METCALFE
1769CLEARVIEWDR
DELTA CO 81416-3007

/,r)\J ('I 1.- r,>"
'(f' - !?"1
...;' U .-'ilJ <,'
_ .... ' l (l
r.:( C>
\lS- 14 JUf4 ?d
\.0 ..., . <:.,;
""" ",0 \ \ ,./
"'!'""'- ... ....
THOMAS VGIRARDI ESQ
GRAHAM BLIPPS-SMITH ESQ
GIRARDI &KEESE
1126 WILSHIRE BLVD
LOS ANGELES CA 90017
-:.--. I ......

-3;)0 i C.0"34 Ii. j" ii;., Ii I! '1 OJ iii!!ll urlJi.iuH,! "\"i'li ,lin. 'J" Iii
Exhibit 9-29
Subject: Objection to Class Counsel fees for Fogel V. Farmers Group, Inc. No. BC300142
I am the named Insured on Fanners Group Umbrella Policy 60 1893078 and Fire Policy
917712468.
RECEIVED
JUN 20 2011
-I
I
i GIRARDI &KEESE
June 15,2011
I object to the overly high fees being paid to the Class Counsel and ]Class Representative.
$90,000,000 in fees is an outrageous fee in relation to a $455,000,000 class action lawsuit. This
fee makes up more than 16% of the total settlement costs ofthis case and 19.7% of the payment
to the class members. These outrageous attorney fees are one of the reasons for our high
insurance rates.
I suggest that a more reasonable approach would be to cap these fees at 10% of the class member
payment or $4,550,000 this would be a more than adequate return for the class counsel's efforts.
Charles C. Dickinson
2739 Shadow Dancer Trail
Reno, NV 89511
775-853-7850
cdickinson@cgai.com
cc: Thomas V. Girardi, Esq. Graham B. LippSmith, Esq., Girardi & Keese ~
Raoul Kennedy, Esq., Skadden, Arps, Slate, Meagher & Flom LLP
Ralph C. Ferrara, Esq., Dewey & LeBoeufLLP
Charles C. Dickinson
2739 Shadow Dancer Trail
Reno, NV 89511
,<-1: ..+.. ',:,
.. " .
:C' :<-,:;,:n ,- ''"'
........"_.. 'r-
I
Thomas V. GirarJiEsq.
Girardi & Keese
i 7+ i -3;:=4
Ii! iI' Ii HIIi!!!!! JH!Hlll!JnI iuilHHillb), i:ljuudH
! .
Exhibit 9-30
-
""
."
o
15 Jlme 2011
Dr. Gary C. Harding
11 70 South 1700 East
Salt Lake City, UT 84108-18-64
Tel/Fax (801 )-870-8410
Email: garyh99@comcast.net
RE: Proposed Settlement in Fogel v. FarmersGroup, Inc., No BC300142
To Whom It May Concern,
I am the First Named Insured on the following policies, 180155091,180155092,
603432754, and 927063354. I object to the proposed settlement because the
proposal is structured to return most of the money to the Exchange rather than to
those Class members who respond to participate in the settlement. Furthermore
it suggests a disproportionate payment to the Class Counsel and Class
Representative for legal expenses and incentives.
If the settlement is, in fact, for the benefit of the Class (as represented by the
respondents) they why not pay the entire Settlement Pool, $455,000,000, to those
respondents? Paying money back to the Exchange rewards the wrong people.
It rewards the current and future policy holders who may well have limited
relation to the actual damaged Class. It also returns the money to the control of
the current Exchange management who should be expected to handle the
funds to their oWn benefit. Pro rating payments by respondent's subject
Exchange policies is a bet by the Exchange that only a few will actually respond
and they will retain most of the Settlement Pool. Just to confirm this, the court
could reopen the settlement negotiations and impose a rule that the Class
Counsel and Class representative would receive no more than the same
proportion of their award as the proportion of the Settlement Pool that is actually
paid out to the respondent Class members. Or perhaps limit it to the square of
the percentage that is actually paid out. This would align the Class Counsel
more directly with the Class member's interests.
Secondly, I would point out to the court that $90,000,000 is enough money to
cover over 215 person years of salary at $200 per hour. Or alternatively It could
cover, 25 person years at $200 per hour supported by760 person years at $50 per
hour. The remedy for Farmers Group management stealing from its Exchange
members should not be to have the Class Counsel and Class Representative
steal from the current Exchange membership.
CC:
Graham B. LippSmith, Esq. Girardi &Keese
Raoul Kennedy, Esq.
Skadden, Arps, Slate, Meagher &Flom LLP
Palo Alto, CA 94301
Dewey & LeBoeuf LLP
1101 New York Avenue, N.W.
Suite 1100
, Mr. Gary Harding"
, Ms. Angela Harding I
1170 S 1700 E
City, UTB410B
-- ,., -
(jrr..
..... ..
Graham B. LippSmith, Esq. Girardi & Keese
, ..,;:,.
'.
".......

.. , ....... .....,
"'"--.................."":
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-s=::::;}. i i1: i:! l-I: ::J1::::;: til:!': Ii: :Ij.i; j: :iJ.:;:: 11; j:: filiiI:: ::::fn
Exhibit 9-31
D
- ;".,_.,
. FOR OFFICIAL USE ONLY
D

IS".!
CLAIM FORM
01
'Address: 1:2,9 f\J Qr+b OOK5+,
City: Dade vl11 e
State:.tLl
REeD JUL 01 2011
111111111111111111111111111111111111111111111111111111111I11
913 9 5 2 873 3 t
GLENN KELLEY
129 N OAK ST
DADEVILLE AL 3685:>-1663
o
Check this box and provide your curren,t name
incorrect or out of date, OR there is no pre-printed
data to the left.
Dear GLENNKELLEY,
lawsuit, Fogel v. Farmers Group Inc. (the "EQgcl Lawsuit").
Our records indicate that you are or were the first named insured on one or more personal-lines Famlers Exchange
insurance policies in effect at any time during the class period (January I, 1999 thwugh December 31, 2010). You have
insureds. Only the first named insured may submit a Claim FOlTIl for each policy.
.. . '
There is a $455 million Settlement involving management service fees paid by the Farmers Exchanges. Fanners' records
show that you are eligible to receive approximately $2.66 from the Settlement. If you, as first named insured, would
like to receive this payment, please sign this ClaimFonn and rehlffi it to: .
P.O. Box 2422
All Claim Forms must be submitted ouline or postmarked by no later than December 6, 2011.
based on the following formula (not including potential interest): .
A = Total premium amount paid by Cla$s Member on hislher subject Exchange policies
1
D II!IIII]111 I1!111111111llllI!II I1!llllllllIIJIII]III!II D
The information below identifies personal-lines Exchange policy, the named insureds, the line of insurance issued, and
the amount of premium paid on the policy during the class period.
POLICY NAME INSURED{S) POLICY TYPE PREMIUM PAID.
1835(J725z-,1
GLENN KELLEY AUTO $71.90
f83569530 )
GLENN KELLEY AUTO $30.65
183570997 GLENN KELLEY AUTO $56.11
183571484 GLENN KELLEY AUTO $30.59
183781761V GLENN KELLEY AUTO $93. 11
183781821.", GLENN KELLEY AUTO $39.58
940285127\/ GLENN KELLEY FIRE $93.60
Total: $415.54
Because of space limitations on this claim form, the above list may not include all named insureds for all policies. To view a listing of all named insureds,
please view the electronic version of your claim form at the website, www.fogelsettlement.com. _ .
According to the information above,oifyou submit a valid and timely Claim Form, you will receive an estimated settlement
payment of $2.66 on the policies listed above (not including the potential effect of any interest).
If you believe that the information shown in Section I is incorrect and that you were a first named insured under any
personal-lines Exchange policies not shown in Section I, please identify the additional personal-lines Exchange
Policy Number
c.EireJnsurance El<J;hange or Truck Insurance
Amount of
Premiums Paid Between
1jl/1999'and"f2131/2Ql0
I 7
l
;,;{--------
By (Sign):
'15-3'1(: $
" _ c ".;,) 'v' r< v-'U . . _
0'\ ---'.---1
'" _'_','_'0->,4->0
1
---!.r_ --",l,c"",,,'.... 0 _-",-'0"-'.,,<"'-('..," '-' ' dIJ -1
,--' $ l-
\ 31>51 1,-\-&'1 I - C,:_' __,--'__. _-----l
3 folic.'-f #- J: dDno+ Who:' +hrM-f
[ aJleslliJ. the b".,1qf my knowledge thatl ant a currenlO/' pas( subscriber or named insured under the personal-lines.
Exchange policies identified above in Section [ [declare wider penalty ofperjury that the policy information I added to
Section Jj (ifany) is true and correct. I understand and agree by submitting this Claim Fonn, I will receive on behalf
ofmyselfand each other namedinsured an estimated settlement payment GfS2 Mi "" d,e Section [policies
" :c: hore J: ch:.ser1/'e..h"r!J('"t:...
First Named Insured (print) -' . - ,.-, d.' lo \0 '
:r.. f-e,e \ .J: et eSe;y-v'e. .,."., <i""Y''?
Signature Date: fJ. &. /J5/ A
0
1.1
By (Print): -'- ,
Title: _
/
/ Sl)BNlIT YOUR CLAIM FORM: You may either: . .
Mail this Clairn Form to Farmers Group Settlement, p.o. Box 24Z2,Faribault, MN 55021-9122
(must be Rostmarked by December 6, 2011) OR Submit your Claim Form electronically by
going to the website www.fogelsettlemenfcom. (deadline for subrnitting a claim electronically is December 6, 2011)
D
II!IIII D
_._-._-------,------,------
(" ._. us d LUll: \-c- ,-:L d d(\ '+-
_ _ __ .. S"AX:"J,-<2:,CS+CI,od. . .... _ . ____
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EOCth-E'Ls /s
.---.J-ous-c {JeC2Jj1 I ,:s IM-J .
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..- .._--
Exhibit 9-32
William Martin, Ph.D.
Harbour Estates
3909 Via Del Campo
San Clemente, California 92673
(949)235-7462
fax (949)661-7462
600 South Commonwealth Avenue.
RE: Fogel Lawsuit
10 # 0146248052 & 0146248052
Policy # 905997646 Fire $15,270.23
# 906879091 Fire $5136.86
# 906879062 Fire $37.01
June 15, 2011
Please be advised that I object to the ridiculously low settlement based on a $455 million settlement and the fact that I
paid over $20,000. into these policies which I believe should result in a much larger settlement than @ $130. There is
nothing wrong with the attorneys being paid for their work but the settlement is based on what we paid in and the amount
thatwas withheld for management fees as an expense to us. Is it too much to ask that any settlement recovered 'be split
more fairly. It's no wonder attomies aren't trusted.
Respectfully,

William Martin, Ph.D. .
CC: Class Counsel
Thomas V.Girardi, Esq.
Graham B LippSmith, Esq.
Girardi & Keese
1126 Wilshire Blvd.
.Los Angeles, Ca. 90017
Defense Counsel
Raoul Kennedy,
palo Alto, Ca. 94301
Defense Counsel
Dewey & Leboeuf LLP
1101 New York Avenue, NW Suite 1100
Washington, DC 20005
D
CLAIM FORM
01
D
Name: .__,.-- _
illlill 1111111111 11111 111111111I111111111111111 1I111 IIIIII1I

o
lPA12B4&K2E1
Check this box and provide your current name
.incorrect or out of date,OR there is no pre-printed
data to the left.
WILliAM MARTIN JR
3909 VIA DEL CAMPO
SAN CLEMENTE CA 92673-2628
Address:
City: _
Dear Wll.,LLL\MMARTIJ\f JR..
because you have been identified as a potential Class Member in [he Settlement of the class
lawsui(. Fogel v. Farmers Group Inc. (the "Fogel. Lawsuit").
Our records indicate that you are or were the first named insured on one or more personal-lines Farmers Exchange
insurance policies in dfect at any time during the class period (January 1, 1999 through December 31., 2010). You have
been sent the Notice Claim :Form as 111e first nmned insured on those policies and on behalf of all other named
insureds. Only the first named insured may submit a Claim II01'111 for each policy.
There is a $455 millio11 Settlement involving management service fees paid by the Farmers Exchanges. Fanners'records
show that you are eligible to receive npproximntely $130.37 from the Settlement. IfYOLl, as iirst named insured, \-voLlld
like to receive this payment, pleElse sign this Claim Fonn and return 11 to:
P.O. Box 2422
AU Claim Forms must be submitted online or postmarked by no later than December 6, 2011.
A = Total premium amount paid by Class Member on hb../her subject Exchange policies
B = Total premium paid by ALL Class Members on All subject Exchange policies
' ...:U,:..:U.:....E::..::S...::T.:..I O::..-N.:....S-=--P-=L..=EA::..::.:..SE=--.:....C_A.:....L.:....L...:1_-a.:....8..:...s::..--_5.:.....3_8_-5.:....7.:..... 8..:....5_0.:....R:..:..-V.:....IS_I_T_,W:..:..._w_w--'--. F...::O...:G_E.:....L.:....S_E.:..TT.:....L"'-., E.:....M""E.:..:N.:..T.:.....C_O.:....M:..:.... .__
tJ IIP111llIII 11111l1111!11 IIII!11/1111 D
D
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,

01
CLAIM FORM
IPA12B48819
Name: _
..

11111111111111111111111111111111111111111111111"'1111111111

D
pn.iJiii:leyolircUI:re.rit name
fa tneleftis
incorrect orout of date, O'Rth.ere is noprecprinted
data to the Ieft. , ..'... "
WILLIAM MARTIN
3909 VIA DEL CAMPO
SAN CLEMENTE CA 92673-2628
Address: . _
City: '
State: __ Zip Code: _
Dear WILLIAMMARTW,
You have been sent a Noiice of Class Action Lawsuii and Settlement (the "Notice") and tbis Claim Form
lavvsuit, Fogel v. Farmers Group Inc. (the "Fogel Lawsuit").
Our records indicate thai you are or 'were the first named insured on one or more pel'so1Hll-llnes Farmers Exchange
insufR])ce pol1cies in effeci at any time during the class period (January 1999 tlm.yugh Decr::mber 31, 2(10). You have
been sent the Notice and Claim Form as the first named insured 011 those policies and on behalf of all other named
insureds. Only the f1rst named insured 1llay submit a Claim Fom] for each policy.
. (AlB) X $455,000,000 = Class Member Settlement payment
A =Total premium amountpaid by Class Member on his/her subject Exchange policies
B =Total pj<emiumpaid by ALL Class Members on All Exchange policies
II!1111111111IIII ]111111 0 1111111111111 1111111
C F *"
There is a $455 million Settlement involving management service fees paid by the Farmers Exchanges. Fanners' records
show that you are eligible to J'eceive approximately$O.24 from the Settlement. If you, as first named insured., would
like to receive this payment, please sign this Claim Form and return it to:
P.O. Box 2422
All Claim Forms must be submitted online or postmarked by no later than December 6, 2011. .
based on the following formula (not including potentia! interest): .
I __
D II!IIII]111
The information below idel1tifies personal-lines Exchange policy, the named insureds, the line ofinsurance issued, and
POLICY
'10687'101>2 WILLIAM MArmN
i>QLl<i<YTYPE
FIHE $3'7.01
i olal: I
space limitations on this c1aimform,the above list may not inClude all-named in.sureds for all policies. To view a listing of all named insureds,
please viewthe electronic version of your claim form atth13 website,
According to the information above, ifyou submit a valid and timely Claim Form, you will receive an estimated settlement
payment of $0.24 on the policies above (not induding the potential effect of any interest).
Section II - Additional Policy Information. "
personal-lines Exchange policies not shown in Section I, please identify the additional personal-Hnes Exchange
--
Amount ot
Prernil,lms Paid Between
1/1j1999andT2/31/21.l10
'cr ' ( l5 20' \'
Slbnature Date. -..tl- / __ / __._i \
Title: _
ExCt'ial'lge -Insurance Eichaiige}
- . ,-" . " .. -' .... .. -
'.,. . .. . ,
MaHthls,Claim-Form.to,Farrr'iers P.o..:Box 242f1 Faribault,'MN5q021
i
9l22
(mtl:stQ_epostmarked bybecember6,2l;lH):OR' SUbmit your CJaiTTi by
goihgto wwwJogelsettlement.com.,(deadline fbr:suomittihg qcl<lfm electroM(callyis December 6, 2011)
PoliCy Number
,; aUes{ W [he best (!f' /'11)" kJlOll'/edge that I am a cW'J;en-t or past su.bscriber or named insured under the personal-lines
F.,:tchange policies iden-tif1'ed above in Section J: I declare under penalty o/perjury that the policy injonuation I added to
Section If (ifany) is true and cm'recl; [understand and cl,w'ee by sulmtitling thi-; Claim F(')rtl/,l will receive on beha(f
qfmJwelfand each other named in'>'ured an eslinw(ed settlement payment <:1-'$0,24 on lhe Section I policies.
\,A,) \\Qd\ N

First Named Insured (print)
By (Sign):
By (Print): _
-----------------.-----------.-------.------,---Je---_-$-,-,--------'-----.------1
--, -,--. --
I, I
Ii
IF YOU HAVE QUESTIONS PLEASE CALL 1-888-538-57B5 OR VISIT WWW.FOGELSETTLEMENT.COM
11!11I1]IIIIJ
111
lllll!1I D
The information below identifies personal-lines Exchange policy, the named insureds, the issued, and
the amount of premium paid on the policy during the class period. '
POLICY
<J05<J<J76M,
'i0687<JO'l1
NAME:lNSURED(S) " ,
WILLIAM MARliN IR
WILLIAM Ml\lmN
POLICY TYPE f>AIQ
'il\li"pU,.z.:\
$fu,Iil:/i;!:ll1L
rotal; $20,407,09
'Seca\lse of space ,limitatiQns on this claim form, 'the ilbove list may'not include all named Insureds fOI" all policies. To view a Jistingof all named insureds,
please view the electronic.. version ofyOiJr claim form atthewebsite', www-fogelsettlemeJ\t.com.
According to the information above, if you submit a v1\lid and timely Claim Form, you will receive an estimated settlement
payment of $130.37 on the policies listed above (not including the potential etlect of any interest).
personal-lines Exchange policies not shown in Section 1, please identify the additional personal-lines Exchange
Policy Number
Issued By'(Identify Farmers.1l1surance, E){change,
FireJnsuram::e Exchange or Truck.lnsurance Exchange}.
Amount of
Premiums Paid Between
1/lj1999-and12/31/2010
$
-1---1---
0
--
-----------
$
_I __---l-J __
$
I attest 10 the' best o/my /..no}pledge {hall am a current or past subscriber or named insured tlluter Ihe persol1.a[,.lines
E,:change policies identified above in Section l. I declare under penalty q/perjwJ! that the policy l1?!cwmalion I added to
Section II is (nle and correcL I understand and al-.:,71'ee lhal; by subnlitting lhi,)' Claim Form, I will receive on bella?!
each.olher ;ma'UI;;len'7:jjentoj$13037 on the Secda. [policies.
First Named Insured (print)/\J l l rY\. I "l \(A( .\ (
By (Sign) l.rl&hC>!'Q Signature Date 0_
1
(51 JJ__
By (Print): _ Title: _
$lIBjYUTYOURCLAIIIJIFORM: You may either:
Mail this Claim Form to Farmers Group Settlement, P:O.Box2422, Faribault, MN 55021-9122
, be postmi:lrked by December 6, 2(11) ()R Submit your Claim Form electronically by
the websitewww.Toge.lsettlemenLcom. (deadline for submitting a claim electronically is December 6,2011)
n
IF YOU H.WE QUESTIONS PLEASE CALL 1-888-538-5785 OR VISIT W\llJW.FOGElSETTLEMENT.COM
11!llllllllIlllll]III!II 0
Bill ...". , ..... ;:. "".' ,.;

San''Juan Capistrano,
""..... -, _.. ,_.,.
..
"'.-."
T-'

. I
I
RECEIVED
JUN 2.0 2011
GIRARDI &KEESE

--y
1f 2. G r
-- - ._.\ .';''':"; .fA !I\n aCJ.Hi':'j) on;... .' .. ...4'i\jl
':-j'","..':j,
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Exhibit 9-33
15 June 2011
Girardi & Keese "
'/1p6. Wilshire:Boulevard ' '
, Los CA 90017
Sirs:
California Superior Court ,
'600 South CommOIiwealthAve.
CA90005 ' i'('-
Skadden, Arps, Slate, Meagher lltIE D
525 University Avenue JUN 2 2
Palo Alto, CA 94301 ,0 011
GIR,llJ<D1 &KEESE
Dewey & LeBoeufLLP _
1101 NewYork Avenue, N.W., Suite 1100
I recently received a court-ordered legal notice about a Farmers Group Settlement, the Fogel
Lawsuit. My ID Number on the Claim Form is 0149337531, and I am eligibleto receive
approximately $46.23 from the Settlement. My Farm'ers account number isFH37492. The legal
notice states that I can object to the settlement, which I most strenuously do. Here's why.
First, I've hada homeowner's policy with Farmers since I purchased my first home back in 1974.
When I've checked my insurance against that of its competitors, Farmers usually is lower, and
when it is not, I tell them, and they lower my rates. Why would I ever leave this company?
Second, perhaps 2 or 3 years ago, I switched our automobile insurance to Farmers, thereby saving
hundreds of dollars a year. Again, why would I ever leave this company?
Third, Farmers, unlike Pacific Gas and Electric, is not a monopoly. Here in the San Francisco Bay
Area, one really does not have an economically viable option to purchase natural gas and electricity
elsewhere. If Fanners policyholders feel the company has been charging them too much, they can
choose one of many other insurance companies.
Fourth, I see no way that Farmers' management fees were too high or its profits too excessive.
Companies have good and bad years (as in claims due to tornadoes, flooding, and hurricanes), Had
Farmers been too high, I would not have gotten the great rates that I currently receive.
Fifth, and most importantly, there seems to be only one reason for this lawsuit, which is so that the
Plaintiff and his attorneys can make tens of millions of dollars off the backs ofthe policyholders.
Should this lawsuit go forward and a $455 million Settlement is paid, plus $90 million for the
attorneys, my insurance rates will increase, which truly would be unfair.
Perhaps this is a legal lawsuit, but it is far from ethical, and in my worldview, ethics are of utmost
importance.
Jeffrey P.Schaffer
3404 Scenic Drive
Napa, CA 94558
home phone: 707-255-6551 cell phone: 707-2877390
email: jeffreypschaffer@yahoo.com work email: jschaffer@napavalley.edu
D
D
CLAIM FORM
PBl12941BS
01
1IIIII111111111111111111111111111111111111111111111111IIIIII
a 1 4 9 3 3 7 S 3 1
JEFFREY SCHAFFER
3404 SCENIC DR
NAPA CA 94558-4238
Dear JEFFREY SCHAFFER,
o
Name: _
Address: _
City: _
State:__ ZipCode: _
lawsuit, Fogel v. Farmers Group Inc. (the "Fogel LawsuiC).
Our records indicate that you are or were the first named insured on one or more persomll-llnes Farmers Exchange
insurance policies in effect at any time during the class period (January 1, 1999 through December 31,2010). You htive
insureds. Only the first named insured may submit a Claim Fonn for each polley.
There is a $455 million Settlement involving management service fees paid by the Fam1ers Exchanges. Fanners' records
show that you are eligible to receive approximately $46.23 from the Settlement. If you, asfil'st named insured, would
like to receive this payment, please sign this Claim Fonn and retul11 it to:
P.O. Box 2422
(A/B) X $455,000,000 =Class Member Settlement payment
''- --'-'I'-'-. .
D 1111lllll!11 ]III!II D
...

....
.... ......' _1.
.""._
-"1f' .. .....;.......... ,.;: .,r.
... ....

....

Mr. Jeffrey Schaffer
3404 Scemc Dr .
Napa, CA 94558-4238
I
I
I
. 1
. I
I
I
....,.
i 7:r i -;::;4
Girardi & Keese
Exhibit 9-34
, FOR OFFICIAL USE ONLY
D
CLAIM FORM
FOR PERSONAL-LINES POLICI ES
lPE1248B2411
01
D
Name: --=- _
11111111111111111,1111111111111111111111111111111111111111111
'9119831999'
o
this box and provide your current name
if the pre-printed address tothe left is
of date, OR there is no pre-printed
C.-'. , .e".:'"::
SONDRA STEEB-LAMB'
721 ASH ST
BARABOO WI 53913-2139
Dear SONDRA STEEB-LAMB,
Address: _
City: _

You have been sent aNotice of Class Action Lawsuit and Settlement (the Notice") and this Claim Form
lawsuit, Fogel v. Farmers Group Inc. (the'''Fogel Lawsuir).
Our records indicate that you are or were the first named insured on one or more personal-lines Farmers Excllange
insurance policies in effect at anytime during the class period (January 1, 1999 through December 31, 2010). You have
insureds. Only the first nanled insured may submit a ClaimFonn for each policy.
There is a $455 million Settle"nlent involving management service fees paid by the FarmersExchanges. Famlel'S' records
show that you are eligible to receive approximately $6.33 from the Settlement. If you, as first named insured, would
liketoreceive,this signthis ClaimFonn and returnit to: .. " -\:U
Farmers Group Settlement (}. - " /J"\-J)...,
/kID P.O. Box 2422 J-J&
Faribault,MN55021-9122
you can submit your Claim Form electronically by going to the website www.fogelsettlement.com.
(A/B) X $455,00",000 = Class Member Settlement payment
A = Total premium amount paid by Class Member on his/her subject Exchange policies
. />1
D 11!111111111
11111111111111111111
*" C F *"
D
-"- _ - . _ --
.... .
the amount ofpremium paid on the policy during the class period.
175063216
9358:16479
...... ' INSUREDlSj .
SONORA STEEB-LAMB
SONDRA STEEB-LAMB
'. '. PQL!CYTYPE ,.
AUTO
RRE
$665.:19
$324.25
Total: $989.64
Because of space limitations on this claim form, the above list may 'not include all named insureds for all policies. To view a listing of all named insureds,
pleaseyie,1.II version :.tour claim forJ11 at
According to the information above, ifyou submit a valid and timety ClaimForm, you will receive an estimated settlement
'I payment of $6.33 on the policies listed above (not including the potential effect ofany interest).
- - - -
Section II - Additional Policy Information. ,
If you believe that the information Section I is incorrect and that you were a first named insured under any
+
po/icy ..,
Amount of
, '. P.. PaidBetweeJ:'l< _
.Exchange) ,.' .....
$
$
-1---1---
0
--
$
-1---'------
Title: -,-- _
[ attest to: the 'hest of know/edge dll1tl'am a CUI'rent br past .iuhscri{jer 01' named insured Wlder the personal-lines
Exchange policies identifiedabove in Section l. I declare under penalty ofperjury that the policy iriformation I added to
Section II (ifllnJ1 is true andcorrect. I understand andagree that, by submitting this Claim Form, I will receive on behalf
ofmyselfandeach other namedinsuredan estimatedsettlementpayment of$6.33 on the Section I policies.
First Named Insured NP te-4 ..
Signature Date: J)h, LSi2PII
By (Print): ". s../ee-R-AKJ-ftJE
.. . .. . .... .. .sUBM1T:YOURCL1\Il\J1FQRM:You either:. ...'. .
Mail this ClaimForm to FarrnersGroupSettlement, P,O. Box2422, Faribault;MN 55021-9122
'.. (rnustbe postmarked' by Pecember6, 20HIORSubmit your Claim Form.electronically by... .
going to the VlJebsite www.fogelsettlenient.com.(deadlinefor submitting a claim electronicanyIs December 6, 2011) .
D
IF YOU HAVE QUESTIONS PLEASE CALL 1-888-538-5785 OR VISIT WWW.FOGElSETTLEMENT.COM
II!IIII 0
,
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Exhibit 9-35
_____.. . c;.0<L 10 .RECEIVED--
---- t ... C!. --------JtlN.2020tl--- .
GIRARDI &KEESE
----- (!,
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Exhibit 9-36
o
0
11111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111
2718-ADMIN-001382
2718 - Fogel v Farmers ADMIN Cover Sheet
I Matter: 2718 - Fogel V Farmers
PO Box: 2422
Note:
o
1111111111111111111111
PAGEBREAK
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:J PITNEY BOWES
021P $001.080
0003110471 JUN 232011
MAILED FROM ZIP CODE 94583
FAR ME-RS
GRouP St;rrL6MENI
RO. 80:>( :2+27-
FARl
l
SAUL) MN. \.

1
Exhibit 9-37
MRS. FELICIANICOLE JQN!':S
12115 MOSSCREST DR. ..-
HOUSTON, TX 77048'4019

CASE. NAME AND NUMBER(FOGEL V. FARMERS GROUP, INC., NO. BC300142)
REceIVED
JUN 2 0 2011
. &KEESE
POLICY NAME INSURED(S) POLICYTYPE PREMIUM PAID
915201406 FELICIA NICOLE JONES FIRE $2,909.00
923299219 FELICIA NICOLE JONES FIRE $5,450.89
TOTAL: $8,359.89
Dear Sir or Madam:
To whom it may concern: I would like to tell the Court that it is to my dismay that I can't absorb the settlement offer in my data of memory. If it
would please the Court I would like to get an Amended solution to the $455Million Dollar settlement. If the Farmers Group made too much in
profits and the lawsuit further claims that Farmers Group violated California state law in setting management fees: then The United States Of
America citizens are owed more in compensation. The total of $455 million to be paid to Class Members; A payment of up to $90
milli.on in attorneys' fees,expenses,and in incentive award; Payment of the costs of administering the Settlement and Certain business etc..The
rest of the amount is $365 million dollars that the total of litigants has to be compensated for on an average rate. I am a consumer that really
considered that act White Collar Crime and by The Federal Governments Laws it is a Crime of Higher Compensation for Crime Victims. Please
contact me for further details at (832)689-7519; jonesfelicia94@yahoo.com:or jonesfelicia@facebook.com. My claim was submitted 5/2011 on
ID Number 0164796177.
Sincerely,
Mrs. Felicia Nicole Jones
\,
\
", .. '
H''3;
H::
THOMAS V. ESQ.
GRAHAM B. LippSmith, ESQ.
GIRARDI & KEESE
1126 WILSHIRE BOULEVARD
LOS ANGELOS, CA 90017
.'
'"::!::;i:i i -?.. i lb j! 11111 dlllHl;nl ml,ulfl,ildillui ui,dli.,J,
.. ,-:
Exhibit 9-38
June162011
r -RECEIVED
f JUN 23 2011
t
L,GIRARDI &KEESE
I'm writing to object to the proposed settlement.
I feel the request for 90 million in attorneys' fee's, expenses, and incentive award is to
much.
The estimated settlement (to me) of$8.06 is unacceptable. I have had coverage with
Farmers exchange ten years (1999-2010). More of the settlement should go to the Class
members who had to pay the premiums. I feel the settlement is unacceptable.
Stephen A. Martisak
5050 Sunset Ridge Road
Klamath Falls, Oregon 97601
541-884-9223
No E-mail
Case Fogel V Farmers Group Ins. (No. BC300142)
Objection Enclosed
Reference ID # 0238833470
Premiums paid per year $1,260.91 (from 1999-2010)
Thank you,

FARMERS GROUP SETTLEMENT
PO BOX 2423
FARIBAULT, MN 55021-9123
Important Notice About Your Insurance Policy
DEADLINE TO FILE A CLAIM FOR A PAYMENT
FROM THE $455 MILLION SETTLEMENT WITH FARMERS
l!it!'i'
111111111111111111111\\1\1\11\111\111111111\111111\\1111\111
I;B23&833'1.7(;1
PRESORTED
FIRST-CLASS MAIL
U.S, POSTAGE
PAID
Ru!>t Comiultil1ll, Inc.
I
0426-779-00
0238833470 - CU0838542-1PC10838774
STEPHEN A MARTISAI(
5050 SUNSET RIDGE RD
KLAMATH FALLS
I
OR 97601-9310
Ijlllll iIlBallllllllllill! 'i!!ullii
a
II II ill 11111 III dll( Ii 11
11
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CLAIM FORM
lPCleS3S774
01
Name: ---- 111111111111111111111111111111111111111111111111111111111111

o
incorrect or out of date,OR there is no pre-printed
data to the left.
STEPHEN A MARTISAK
5050 SUNSET RIDGE RD
KLAMATH FALLS OR 97601-9310
Address:
City: _
State: __.. ZipCode:_.__.._. _. __
Dear STEPHEN A MARTISAK.
You have been sent a Notice of Class Action La,vsuit and Settlement (the "Notice") and this Claim Form
because you hflve been identi:f1ed flS a potential Class Member in the Settlement of the class action
IfI,vslJit, I'ogel v.FarmersGroup Inc. (the "I'or!el Lmvsuit").
Our records indicate that you are or were the first namtld insured on OJ more Farmers ExcJ10nge
insurance policks in efft':chrl any time during thedass PC110cJ (Jllnumy 1, J999 through December 3l.. 2(10). You have
been sent the :t<Iotice and Claim :Fonn as the first named inslIJ'ed on those policies and OJ) behalf of 011 other named
insureds. Only the first l1Elll1edimmred may submit II Claim Form for each policy,
There is a $455 m111ion Settlement involving management service fees paid by the Farmers ExchElJ1ges. Fnrmers' records
show thElt you are eligible to receive appl'oximntely $8.06 from the Settlement. If you, as first named insured, ,voulcl
like to receive this payment, please sign this ClaimForm aild renll11 it to:
P.O. Box 2422
Alternative(y, you can submit your Claim Form electronically by going to the website www.fogelsettlement.com.
All Claim Forms must be submitted oIlIine or postmarked by no later than December 6, 2011.
A :::= Total premium amount paid by Class Member on his/her subject Exchange policies
B:::= Total premium paid by ALL Class Members on All subject Exchange policies
I
IF YOU HAVEo.UESTIONSPLEASE CAll OR VISIT WWW.FOGELSETTLEMENT.COM I L-__ - ------_
o I I 11l1! 11l1!11 I Jill 0
POLICY NAME INSURED(Sj POLICY TYPE PREMIUM PAID
939B62115 STEPHEN A MARTISAK FIRE $1,260.91
Total: $1,260.91
Because of space limitations on this claim form, the above list may not include all named Insureds for all policies. To view a listing of all named insureds,
please view the electronic version of your claim form at the website, www.fogelsettlement.com.
According to the information above, ifyou submit a valid and timely Claim Form, you will receive an estimated settlement
... . ... .-SUBMITYOUR CLAIM FORM; Youm9yeither: ...
Mail this Claim Form to Group Settlement,P.O. Box 2422,Faribault,MN 55021-9122
(must be postmarked bypecember6,2011)ORSubmit your Claim Form electronically by.... .. ..
going to the website www.fogelsettlement.com.u(deadlinefor submitting a Claim electronically is Decenlber6,2011)
I allest to the best q('lI(V /(//()lI'/ec(l!,e thatl 0111 a (,1117'(,']lt or pasr'.\'lIhscriherqr ncllf1&dinsured 1l1lder 'he personal-lines
Exchange policies identified above in Section I. I declare under penallY oj-pelj'ury that the policy information I added to
Section II (ifan).) is true and con'ect. I understand and agree that, by submitting tflis Claim Foml, [will receive on behalf
a/myselfWId each other named insured an estinwted settleluent paynlent 0/$8.06 on the Section [policies.
Signature Date: __/ __/ _
Title: ."..-- -_
Amount of
Policy Number Premiums Paid Between
-- ------ - -- Fire. Insurance Exchange or- Truck Insurance-Exchange) '.' .
1j1/l99l}c-and 12/31!20U)" ..
$
""="":". ...,....,..-. ---:-". - -
_0.
$
-1---/---'--
$
-1---/---'--
First Named Insured (print) _
By (Print): _
By (Sign):
D
Express Home - Stephen Martisak Page 1 of 1
Farmers Agency Dashboard
Express I Change
Insured: Stephen Martisak I advanced search "'\
Find a Customer: Name or Polley # e-CMS iii ;
Summary
In ..
Auto I Billing I Customer
8 Messages
Household Property
R
Coverage
Line of Business has Future Policy versions. (W80115)
.-.- --..._.-.._--- --- .. - .-. --_...__.--------- - -
Household Req Docs List I Req Docs History I View Comments I Add Comments I Customer Payment(ACA) I UW Inquiry
D Quote Multiline Discounts
Primary Insured: Stephen A. Martlsak Email: Phone 541 884 9223
Residence Address: 5050 Sunset Ridge Rd. Kfalls. OR 97601-9310
Active Inactive Change as of: 06 16' 2011 !ImI Household History
8 Policies (1) Add Policy I Cancel all
Y 939862115 - Reg Docs List I Reg Docs History I Add Insured I Rewrite I Add Mortgagee I Cancel Go Paperless 0
5050 SUNSET RIDGE RD, KFALLS, OR 97601-9310 Risk Assessment: Hit
Policy Number
939862115

Policy Type Change
NEXT GENERATION
HOMEOWNERS
Reconst. Cost
$439000
Year Built
1998
PPC Miles to Resp FD
03
Pay Plan Full Term
2-Pay:
A998896989
Owner Occupied (Primary Stephen A.
Res.) Martisak
Trudy L. Martisak
Agent Code Rating Company
73 - 09 - 3 07 FARMERS INSURANCE
EXCHANGE
Occupancy Named Insured UIW Advisory
Extended Property Addr (EOIfMOI) "'
':> y N
?FE?? 1
Coverages Other Info
Endorsements
Security Devices
Discounts & Surcharges
Losses
Restrictive Endors. Reg.
print center c+>: am
I
Details
]]]
'p'pp 9*
iii
Opt Out Status:
Mailed Date: 07/03/2010
Status Date:
tiiiilfl_-'Slllit ...__.a
IPI
Mortgagee
1ST:
Citimortgage
Inc
Who Pays:
Insured
Other Coverages
I 1
Included
Included
Included
Included
DWELLING 461000
SEP
46100
STRUCTURES
PERSONAL
345750
PROP
LOSS OF USE 184400
PERS
500000
LIABILITY
GUEST
1000
MEDICAL
All Perils: 2500 ,.
(J Client Summary
06/16/2011 @1
HOllsehold No: 0309841438
2010 Farmers Insurance -- All Rights Reserved.
2011.04.00.097
Back to Top
Trans Time: 2011-06-16-10.36.46.177437
https://eagent.farmersinsurance.com/PL-A.leAgent/eAutoTwo/ehome/performJpersonallinesmenuJpersonall... 6/16/2011

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'--5050 Sunset Ridge Rd. .,
L.__.._ ." Falls, OR 97601-9310

Exhibit 9-39
Girardi & Keese
1126 Wilshire Blvd.
Charles B. Morse
1 Riverbend Lane
Covington, LA 70433
985-249-1717
cbmorse@bellsouth.net
re: Fogel v. Farmers Group, Inc No. BC300142
My Farmers Policy No. is 920319741.
6/16/2011
I RECEIVED-'
JUL -5 2011
L. GIRARDI &KEESE
-..
I object to the proposed settlement because the attorney's compensation for this class
action suit is too high. More money should be made to the group who have been harmed
by paying the premiums with excessive "management service fees." To allow the
attorneys to collect up to $90 million ofthis proposed settlement is exchanging one
outrageous fee for another.
Sincerely,
Charles B. Morse
t'
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RECEIVED
JUN 29 2011
-'--- -.-_.. ---
Manuel S Andrade
. _ 45117 Vine Cliff Sr.
Temecula, CA 92592
._." _,.J _
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Exhibit 9-42
D D
I111I111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111
2718-ADMIN-000533
2718 - Fogel v Farmers ADMIN Cover Sheet
I Matter 2718 - Fogel v Farmers
PO Box 2422
Note
D
1111111111111111111111
PAGEBREAK
D
Pleshette M Byrd
POBox 375
Barker TX 77413-0375
Phone 713-468-4567
Emad
PO Box2422
FaIrbault MN 55021-9122
June 17 2011
Attention Clams Adnnmstrator
Re ClaIm ill 0153542747
Subject Pohcy 911134317 Pohcy Type FIre PremIUm PaId $242100
I receIved notIfication of proposed Settlement VIa post and sIncerely apprecIate the
Informative Q and A Pamphlet
The Proposed Settlement proVIdes total payment compensation of $445 nnllIon to Class
Members notWIthstandIng $90 nnllIon In attorneys fees expenses and an Incentive
award I empathize With the many Injured partIes seeking restoratIOn In this laWSUIt and
understand that everyone should be gIven a portIon ofthe sum
However, as an elIgIble Class Member I am compelled to exercIse my nght and strongly
dIsagree With the meager $15 47 claIm allotment offered This proposal IS "hunullatmg
and a slap m theface" regardIng the aforementIOned prennum of my FIre PolIcy
I dIlIgently reqUISItIOn an acceptable claIm payment for my hard earned dollars spent
towards a polIcy offered by a company that overcharged
Pleshette Byrd
Pleshette Byrd
POBox 375
Barker TX 77413-0375
2'
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Exhibit 9-43
.
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Exhibit 9-44
Kim Hoogeveen, Ph.D.
RE
'C E"V 415 Ridgewood Drive
Notice of Objection I: 1'\
&E!lIE!lIue, NE 680qs,., I V, ,"
t::'r
Re: Fogel v. Farmers Group, Inc., No. BC300142 JUN 2 0 2011 IV 20 ,r-
Date: June 17, 2011 GIRARDI &KEESE 'll 0, "-'r;-_
i\t:ESE
Standing: My wife and I were insured by Farmers Exchange (home/autolliability) during
the class period
Outlandish - actually, stunningly outlandish. Let me see if I understand this unrelenting
quest for "justice." A company may have or may have not gained excess profit - and on
the chance they somehow exceeded the profit some outside entity has determined to be
acceptable, I now receive a whopping refund of $37.45. Now the attorneys who have
demanded this justice, as they are undoubtedly aghast at this terrible profiteering by
Farmers, they are walking away with $90,000,000. Do I have that about right? Does
anyone see the humor - and the incredibly stupefying hypocrisy - in this?
I have the chance to do quite a bit of public speaking. If approved by the court, THIS
will become one of my great stories of just how perverted our justice/court system has
become - and it will be a guaranteed to get any audience absolutely disgusted.
I implore the court to demand the attorneys show exact hourly invoices and pay them
$250/hour (or whatever is a reasonable and fair rate for LA) for actual time invested in
this process plus actual expenses. If you want to do something with what I suspect will
be the now extra $89,000,000+, I would suggest it go to those policyholders who have
been damaged. As an alternative, how about the court make as a condition of the
award that the attorneys donate to an amazing program here in Omaha, Quality Living,
Inc. QLI works with young adults who have suffered brain injury, and is the largest
specialized rehab center of its kind in the nation, including the provision of services to
many of our brave servicemen who return injured from overseas. One would think the
same 20% figure used to generate the $90,000,000 would be fair - so an $18,000,000
contribution to QLI would seem more than reasonable. The result would be something
for the public good would actually accrue from this settlement. Perhaps Messrs. Girardi
and LippSmith will find this idea appealing, and in doing so just might start to chip away
at the growing cynicism in our courts and the false pretense of justice that underlies
most class actions.
Kim Hooge en, Ph.D.
415 Ridg ood Drive
Bellevue, NE 68005
402-292-8469
khoogeveen@cox.net
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415 Ridgewood Drive
Bellevue, NE 68005
Kim Hoogeveen, Ph.D.
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Exhibit 9-45
June 17, 2011
RE: Fogel v. Farmers Group Inc., No. BC300142
To: California Superior Court
Subject: I object to the Settlement
RECEIVED
JUN 28 2011 I
I
GIRARDI &KEESE j
I am a policy holder with Farmers Group. I have no other affiliation with Famers Group.
I received the Court-Ordered Legal Notice. I was appalled to learn that a company could be sued
for making what someone feels is too much in profits. I was also shocked to learn that the Class
Counsel and the Class Representative are seeking $90 million.
How can such an enormous sum be justified? This case strikes me as mercenary attorneys
exploiting a reputable company. I would hope that the Court will recognize that people like me
examining this case from the perspective of a Settlement Notice received in the mail, see this
case as simply having no merits whatsoever, and seems like a legal system run amuck.
Here is the information you require from me.
David Leary
6095 Clearwater Drive
Loveland CO 80538
(970) 231-1837
david.leary@avagotech.com
Case Name & No. Fogel v. Farmers Group Inc., No. BC300142
Policy Nos. issued to me between January 1, 1999 and December 31,2010
112485800
157499218
163278951
185236059
185689129
188914428
927174833
937003093
RespectfullYI
David J Leary

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Exhibit 9-46
Shirley F. Morris
94 Interfaith Place
Memphis, TN 38109
(901) 7896019
June 17,2011
600 South Commonwealth Avenue
Re: Fogel v. Farmers Group, Inc.
No.: BC300142
Insurance Policy: American Home Shield
Contract #: 27219383
RECEIVED
JUN 23 2011
;:RARDI & KEESE
Please accept this letter as aNotice of Intention to Appear in Fogel v. Farmers Group, Inc. hearing.
I strongly object to the settlement regarding the above mentioned plaintiff because the Farmers
Group wrongfully made large profits from loyal customers which is unfair and unethical.
Dear Court Personnel:
s ~ ( f J 7 o ~
Shirley F. Morns
c: Thomas V. Girardi, Esq.
Girardi &Keese
Dewey &LeBoeuf LLP
1101 New York Avenue, N.W.,
Suite 1100
Washington, DC 20005
Raoul Kennedy, Esq.
Skaddebm Arps, Slate, Meagher &Flom LLP
Palo Alto, CA 94301
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CLAIM FORM
01
Name: --,--- _

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and address if the precprinted address to the left is
incorre.ct or out of date,OR there is no
data to the left.
KEYFI MUSTAFA
1055 S MOLLISON AVE APT 33
EL CAJON CA 9202(P674
Dear KEYFI MUSTAFA,
Address: _
City: _
State: __ ZipCode: __. _
lawsuit, Fogel v.Farmers Group Inc. (the "Fogel Lawsuit").
Om records indicate that you are or were the first named insured on one or more personal-lines Farnlers Exchange
insurance policies in effect at any time during the class period (January 1, 1999 through December 31, 2010). You have
insureds. Only the first named insured may submit a Claim Formfor each policy. .
There is a $455 million Setllenlent involving management service fees paid by the Farmers Exchanges. Farmers' records
show that you are eligible to receive approximately $7.U from the Settlement. If you, as first named insured, would
like to receive this payment, please sign this ClaimForm and return it to:
P.O. Box 2422
A = Total premium amount paid by Class Member on hislher subject Exchange policies
IF YOU HAVE QUESTIONS PLEASE CALL 1-888-538-5785 OR ViSiT WWW.FOGELSETTLEMENT.COM
D II!IIII]III
11111111111111111111
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The information below identifies personal-lines Exchange policy, the named insureds, the line of insurance issned, and
POLICY NAME INSURED{S}' POLICY TVPE PREMIUM PAID
933464522 KEYFI MUSTAFA RRE $1,114.31
Tatal: $1,114.31
Because of space limitations on this claim form, the above list may not include all named insureds for all policies. To view a listing of all named insureds,
please view the electronic version of your claim form at the websiterwww.fogelseUIement.com.
According to the information above, ifyou sllbmit a valid and timely ClaimForm; you will receive an estimated settlement
Amount of
Policy Number Premiums Paid Between
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I al/esUU the best.qj'my lmawledge flUll1 am aClIn"en{or past. SlIbSC1"iber or named 111sured IInder the personal.lines
Exchange policies Ident.rfied abave inSect.r:an L I dec1arellnder penally a/pe':iury thatt.he palicy i!1fanlwtion I added t.o
Sedian II (ifany) is {.rue and carrec{ I underst.and and agree t.hat by sllbmitt.r:ng t.his Claim Fann, I will receive an behalf
a/myself'md each at.hel' nmned insuJ'ed an estimated seUlementpayment. a/$7.12 an the Secuan I palicies,
First Named Insured (print)
By " N..A3>/\ <0.. - Signature Date:Q) i / /2 () 11
By '\l---Y- 'Y-\\L'<=== \()R \c
.... . SUBMITYOUR CLAIM FORM: You may either: . .>
Mail this Claim F'orm to Fanners Group Settlement, P.O. Box 2422, Faribault, MN 55021-9122
(must be postlT\arked by December 6,2011) OR Submit your Claim Form electroniGally by ....
going to the website www.logelsettlement.com. (deadline for SUbmitting a claim electronically is December 6, 2011)
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Exhibit 9-48
TO: California Superior Court
Los Angeles, CA90005
TO: Thomas V Girardi, Esq.
.Graham B. LippSmith, Esq.
Girardi & Keese
Los Angeles, CA90017
TO: Raoul Kennedy, Esq.
Palo Alto, CA94301
TO: Ralph C. Ferrara, Esq.
Dewey & LeBoeufLLP
1101 New York Avenue, N.W., Suite 1100
To All Parties Involved:
Policy #: 185725942
CASE: Fogel v. Farmers Group, Inc. No. BC300142
Clinton Nichols
1319 Golden Park Dr. Apt. C
Grants Pass, OR 97527
FROM:
I object to this class action suit. I find this suit, and the thousands of lawsuits ofits kind, to be
little better than a cleverly disguised scam targeting the poor and uneducated. To presume that the
prosecuting attorneys in cases such as this have anything at interest other than their own bank accounts
would be foolish, and in our capitalist economy, justifiable. However, the forms that are distributed to
the 'members' ofthis class action suit, those that had an insurance policy with Farmers within the date
specified in the case, allude to a settlement of $455 million. Only onthe very last page, buried in text,
does it actually specify how much an individual is expected to receive. In my case, my expected
portion ofthe settlement is $0.93, or 2.04x10
9
% ofthe settlement. Meanwhile, the prosecution stands
to make $90 million, including a $30,000 incentive fee. One would wonder how $90 million is not
enough of an incentive that another $30,000 was required to motivate these stewards ofthe public trust.
It would seemthat this entire lawsuit is designed to line the pockets of the prosecution, and has little or
nothing to do with the actual members ofthe suit itself
I do not object to the claim that Farmers mayor may not have unlawfully collected management
fees in excess ofwhat California State Law allows. That will, evidently, be proved or disproved during
trial. My objection stands on the grounds that the prosecution in this case is hiding behind the
members ofthe suit, holding them up as the injured party and themselves as righteous defenders ofthe
public. In truth, they are using the members ofthis suit, and the ignorance ofthe general public of
legal proceedings such as these, to make millions of dollars. They point out the dishonest practices of
Farmers insurance, calling on them to be held accountablefor their misdeeds, while hiding behind the
court system that defends this misuse ofthe public trust to get rich, a system that they as an institution
helped create. What else can be said of cases like these other than that you are robbing the rich to pay
the rich?
I knowtoo well that this objectionwill fallon deaf ears. Money sings louder that principle in
our country today, and a brieflook at history shows us that it has always been so. But I refuse to sit by
and watch the public be used so the few can make millions of dollars in their name without making my
opinimi heard. My hope contained in this letter is twofold: one, I hope this letter wastes:the time ofthe
prosecution, the defense, the court, and all other parties that have a hand in this scam; and two, that
maybe, just maybe, someone will hear my words and realize that the court systemtoday makes a
mockery ofhuman justice, and that they will join me in trying to make a difference.
Yours Truly,
~ T r z < - - - - :
Clinton Nichols
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Exhibit 9-49
June 17,2011
Graham B. LippSmith, Esp.
Girardi & Keese
1126 Wilshire Blvd.
Los Angeles, CA 9 0 ~ 17
Raoul Kennedy, Esq.
525 University Ave.
Palo Alto, CA 94301
Ralph Ferrara, Esq.
Dewey & LeBoeuf
1101 New York Avenue, N. W.
Suite 1100
Washington, D.C. 20005 .
Re: Objecting to the Settlement
Dear Sir or Madam:
Please consider this my objection to the proposed settlement in the Fogel v. Farmers
Group, Inc. case.
The information requested is as follows:
Name: Mary Lou Rainey
Address: 2010 Dunstan, Houston, Texas 77005
Tel: 713 524-6572
Email: ml.rainey@vzw.blackbeny.net
Case Name and Number: Fogel v Farmers group, Inc. BC300142
Policy No.: 942329581
I am objecting to the settlement because the amount of attorney's fees of up to $90
million dollars in addition to an incentive award is excessive. According to the basic
information in the notice provided, "management fees that Farmers Group received were
too high." It appears that the same argument can be made for the Class Counsel's fees.
Why is it not acceptable for an insurance company to make profits but acceptable for
plaintiffs lawyers tormike such ridiculous money "representing" the class members such
as myself who only stands to gain $7.77 if! decide to submit a claim form? This is
unconscionable.
Thank you for your cooperation and assistance.
Sincerely,
(fYJUV / , ~ t ~
Mary Lou Rainey
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Exhibit 9-50
Stephen & Carol Signore
2522 EGlen Canyon Road
Green Valley, AZ 85614
(215) 872-6180
. E-mail srsignore@gmail.com
June 17, 2011
600 S Commonwealth Ave.
Re: Fogel v Farmers Group. Inc.. No. 8C300142
Policy 604943347 Umbrella
10 No 0017501507
Dear Court:
Then there's the cost to the bank of processing our check for $0.22 for deposit
into our account - cost unknown.
In our ecstasy we immediately called our financial and tax advisors. Then we
thought: The cost of processing the check, another envelope, and another
$0.43 shouldn't be overlooked.
2 @ $0.43 = $0.86
2 @ $0.10 =$0.20
Unknown
Unknown
$1.06 + Unknown
So far we have:
Postage (minimum)
Envelopes
Check processing
Deposit processing
Total
Imagine how delighted we were to receive Notice and a Claim Form regarding
the above matter! Our delight rose to sheer delirium when we read further
and found that ifwe signed the Claim Form and put a $0.43 stamp on an
envelope that we provided we would receive a check for the grand sumof
$0.22!!
But then we thought, well maybe we're being a little silly. That small amount
is less than an accounting error when you consider the $90 Million in
attorney's fees, expenses, and "incentive awards."
When we moved to Green Valley, AZ from Ambler, PA in November 2009, we
contacted several insurance companies for our needs. Farmers was
the least expensive by far so we chose it. To date their service has been
excellent.
We knowwonder howlong those lowrates will last when they have to pay
$90 Million in attorney's fees, expenses, and "incentive awards." NO attorney
or group of attorneys is worth $90 Million. In case you haven't noticed almost
all ofthe states are struggling (California is near broke), some 15 million
people are out ofwork, our country is about to lose its AAAcredit rating yet
frivolous lawsuits still result in the payment of $90 Million in attorney's fees,
expenses, and "incentive awards" so that I and other insurance policy holders
can receive checks for $0.22 after sending in a Claim Form and using a $0.43
stamp! What has happened to our sanity?
The courts are out of order, frivolous lawsuits are out of order, and lawyers -
who used to do some good - are way out of order. Will we have to lose all of
our rights before we learn that our "right" to $0.22 should have been a joke?
Because it is a joke - a sad joke, and a sad commentary on our times.
Class litigation should be banned except in very rare cases, but apparently our
courts are incapable of determining when those rare cases might exist. In the
meantime, every payment that is made out ofthis fund - especially the $90
Million in attorney's fees, expenses, and "incentive awards" will eventually be
repaid via higher premiums. Corporations do not pay these claims, the
customers do.
When will we learn?
Cc:
Raoul Kennedy, Esq.
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Steve Signore
2522.E Glen (a'nyon Rd
Green Valley, AZ 85614
USA
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Girardi & Keese
1126 Wilshire Blvd

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Exhibit 9-51
34082 Ivy Bend Rd.
stover, Mo. 65078
June 18, 2011
California Supreme Court
600 S. Commonwealth Ave.
Los Angeles, Ca. 90005
RECEIVED
JUN 20 2011
GIRARDI & KEESE
RE: Case 8C300142 Fogel v Farmers Group, Inc. Policies:Vehicle

GOO 3939164 Q:(J.,,; Home 94436-56-34
California Supreme Court:
I ofject to the settlement for the following:
Brochure, page 1 Ask to Speak at Hearing. It would be asinine
for me to travel to L.A. to be eligible to receive approximately
$2.88.
Page 2, brochure under 1-as a potential Class Member. Potential
is vague. Two(2) of.page 2 concerning Ca. state law. No mention
is made of the statute concerning this law.
Page 2, What are the Exchanges. On my home policy, r was charged
a membership of $25, I did not know of this fee until I received
my policy. "1 suspect this membership fee could be a management
fee.
Page four, 9"Lhbe Settlement of $2.88 1 will ask-how many pers'ons
of the class will receive $2.88? How many?
Page six, Do I have a lawyer in the case? The law firm of Giradi
.& Keese should not be a representative in the Class Action. De-
'. fina"tely a conflict of interest.
Again page six-Five lawyers are involved in the Class Action.
They are to collect $90million and a person can bet that Class
Representative will each request their(plural) incentive award,
$30,0"00.
California Supreme Court please send' me a copy of the Class Actio

in it's entirity. I thank you.
S-;in., " , .
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Charles Hayden .
S73 372 h596 I
. Copy' to CQbnsel and twp Defense Councils.
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Exhibit 9-52
Jason D. Osbourn
346 West Bluff Street
Marquette, MI 49855
Girardi & Keese
Re: Case Fogel v. Farmers Group, Inc, No. BC300142
Policy Holder for Farmer's Group Insurance: 171979198, 175490803, 187043264, 18726335 and
928399940
Dear Sir or Ma'am:
I wish to make an objection to the terms of the class action; specifically the request for attorneys' fees.
Certainly, as a lay person there are many things which occur outside of my awareness. Yet I have
difficulty understanding how $90 million is an appropriate compensation for a law firm that pays in the
area of $13 million in wages annually. Am I to believe that Girardi and Keese have been working this.
case for the last seven years? I would think that an appropriate fee would be the actual cost of
attorneys' fees for time spent on this case plus, perhaps, 10%. If that adds up to $90 million then so be
it.
It's my opinion that tort decisions such as these have negatively affected our civil court system. I hope
that your Honor would consider basing your standard of reasonableness on what a well-informed citizen
would consider reasonable rather than what case law has established as "reasonable". Thank you so
much for your tim and consideration.
",'
Jason Osbourn
346West Bluff Street
Marquette, MI 49855
Girardi & Keese
1126 Wilshire Boulevard,
,
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Exhibit 9-53
RECEIVED
JUN 23 2011
GIRARDI &KEESE
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Exhibit 9-54
June 18,2011
ID 0157484357 Policy 912796073
Fogel Vs Farmers Group Inc Case # BC300142
TO:
600 S. Commonwealth Ave
~ ~
~ ~ o m a s V. Girardi, Esq., Graham B. Lippsmith, Esq, Girardi & Keese
1126 Wilshire Blvd
Raoul Kennedy, Esq., Skadden Arps, Slate, & Meagher & Flom LLP
525 university Ave
Palo Alto, Ca 94301
Ralph C. Ferrara, Esq, Dewey LeBoeufLLP
1101 New York Ave, N.W., Suite 100
Gentlemen,
I do voice an objection to the excessive attorney fees to be earned from this class action
settlement. They mimic the fees charged by the Farmers Group in being excessive. I
am an every-day working person who thinks that a 5% total rate for the lawyers would be
proper compensation.
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Exhibit 9-55
Travis Bohon
11520 40th Ave NE
Seattle, WA 98125-5725
2065270505
hohoIls@inamc.com
June 20, 2011
Thomas V Girardi, Esq.
Girardi & Keese
1126Wilshire Boulevard
I am writing to object to the class action lawsuit Fogel v. Farmers Group, Inc., No. BC300142.
I have been a longtime subscriber to Farmers Insurance, without any other known ties to the
company. I do not find their management fees too high, and my proposed settlement of less
then $ 7 per $1019.49 in premiums paid tells me that the damage done to me (if any) was
minimal. In fact, I believe that:
*The lawsuit is detrimental to those of us who continue to hold policies with Farmers, as our
rates will increase in order to payout the $455 million settlement.
*In fact, I believe the only people who will significantly benefit are the lawyers who are asking
for up to $90 million in attorneys' fees / expenses, and the Class Representative who they
will pay a $30,000 incentive reward.
If a class member objects to how Farmers does business, they are welcome to take their
business elsewhere. There are plenty of insurance companies. I request that the the
California Superior Court throw out the settlement and, if possible, fine the attorneys for
wasting a lot of people's time for nothing.
Travis Bohon
Lizzie Snips LLC
11520 40th Ave NE
Seattle, WA 98125-5725
2065270505
lizzie. bohon@gmail .com
RECEIVED
June 20, 2011
Thomas V Girardi, Esq.
Girardi & Keese
JUL - 5 2011
GIRARDI &KEESE
I am writing to object to the class action lawsuit Fogel v. Farmers Group, Inc., No. BC300142.
I have been a longtime subscriber to Farmers Insurance. I do not find their management fees too
high or feel that they made too much in profits. I believe that the lawsuit does not benefit the
class members; in fact it will be detrimental to those of us who continue to hold policies with
Farmers, as our rates will likely increase in order to payout the $455 million settlement.
If a class member objects to how Farmers does business, they are welcome to take their business
elsewhere. There are plenty of insurance companies. My proposed settlement of less then $19
per $2877.13 in premiums paid tells me that the damage done to me (if any) was minimal. In fact,
the people who will significantly benefit are the lawyers who are asking for up to $90 million in
attorneys' fees, expenses and the $30,000 they will pay as an incentive reward for the Class
Representative.
I think the California Superior Court should throw out the settlement and fine the attorneys for
wasting the courts time and taxpayers money.
Elizabeth Bohon
Lizzie Snips LLC
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Exhibit 9-56
Douglas N. Born
1620 Russell Ct.
Fairmont, WV 26554
phone 304-363-2637
ID# 0217880101
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Dear Ladies and Gentlemen:
I object to the proposed settlement- case Fogel v. Farmers Group, Inc., No.BC300142.
From January 1, 1999 to approximately (approx.) May 31, 2000 I had two auto policies
with Farmers Group, Inc.(Fmmers) while I lived in the SanAugustine, Texas. I do not
know the poley numbers for these, however, I can probably get them ifnecessary. From
approx. June 1,2000 to June 30, 2010 I had nvo auto policies in St. Ignace and Moran,
Michiganwith Farmers, policy numbers 150787039 and 150787040. From approx.
May 1, 2004 to June 30, 2010 I had a homeowners (fire) policy i..n Michigan, policy
number 928352696.
The proposed settlement states that I am eligible to receive $72.76 due to being
over-charged by Farmers for the three policies that I had in Michigan for a 10 year period.
My specific objection is that this is at most an accounting error and not worthy ofa
lawsuit. Farmers saved me thousands of dollars in insurance policy costs while I lived
in Texas and Michigan. I did extensive research on auto and homeowner policy costs
and coverage, and Farmers was the best rates and coverage I could find. I had good
success with claims from Farmers and received great service from their agents. A sum
of $72.76 over a 10 year period for three insurance policies is not "management fees
received were too high and that Farmers madetoo much in profit. n .
JlUle 20,2011
FORPERSQNAL-LINESPOLlCIES

B 2 " 7 9 9 B " B "
DOUGLASN BORN

FAIRMONTWV 26554
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YourJD Number is0217990101
Dear DOUGLAS NBOR..W,
hwsuit, POlZel v. Farmers Grou;9 Inc. (the Lawsuit").
Om l'ecorc1sindicate that you areol' were tl1e first named insured 011 one 01' more pel:Sonm-lines Fan11ers Exchange ..
insurance policies in effect at any time during the class period (January 1, 1999 through December 31, 2010). You have
been sent the Notice and Claim Form as the first named insured on those policies mid on behalf of all othel' named
insureds. Only the firstnamedinsured may submit a ClaimForm for each policy.
There is a $455 million Settlement involving management service fees paid by the Fanners Exchanges. Farmers'records
show that yon are eligible to receive appmxirnately $72.76 from the Settlement Ifyou, as first named insured, would
like to receive this pElyment, sign this ClaimFOlm and return it to:
P.O. Box 2422
Faribal,llt, MN 55021-9122
All Glaim Forms must be submitted online or postmarked by no laterthan December 6,2011. .
(AlB) x $455,OO(),OOO = Class Member Settlement payment
A :;: (lass Mentber on his/ltersubject Exchange policies
.B =rotalpJ:i!/iJ,i(impqid by 9J,LLC[{ISSMpnbers on All subject Exchange policies
11111111 11111111 Inl
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$5,060.14-
$3,991.94-
$2,335.92

DOUGLAS NBORN .
DOUGLASN BORN
DOUG[j\SN BQRN .'
150787039.'
1.59787040
9213352696
pqlicy, the named insureds, the line Of insurance issllect, and
the aI110unt ofpremiumpaid on the policy during the class period.
Total: $11,388.00

According to the information above, ifyou submit a valid and timely ClaimForm, you "vill receive an estimated settlement
PSLyment of $72.76 on the policies listed above (not including tile potential eftect of any interest).
If you believe that the inform:;ltion shown in Section I is incorrect and that you were a first l1amed insured under any
personal-lines Exchange policies not shown in Section I, please identify the additional personal-Hnes Exchange
policies below(or ana separate piece ofpaper, if necessary):
, .. < ,.
$
-1---/------
$
$
-/---1--- 0 --
I attest to the best of .owledge that I am a cunent or past sUbscriber or naT'l'led insured muler the personal-lines
Exchange policies identifie. ove in Section I .I declare under penalty ofpeliary that the policy information I added to
Section II (ifany) is true and co ct. I understand and lgree by subrnitting qqinl Fonn, I will receive on behalf
ofmyselfand each otj1er named ins d an payment of$72. 7,fi-ofi'the Section I policies.
D
Signature Date: -c- / / - _ -_
. .
. .
First Named Insure4;(print). ----.-__
By
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1

DECLARATION OF GRAHAM B. LIPPSMITH

'1 '} ;:,.",\

" 1 II /1 t'l I HI 1'1 ; 1 I' [' HI

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s: T(fLt6Wl eV'-t\f 1-"'-M-w\6tL5

G!<t9'.#I9# /3, V,P?S"t//T/?c-Stf

RE: Case 8C300142 Fogel v Farmers Group, Inc. Policies:Vehicle

California Supreme Court please send' me a copy of the Class Actio

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