1 st Crop2 nd Crop flow chart Prevent

1 st Crop/2 nd Crop flow chart Prevent Plant flow chart

Planted Acres 1 st Crop/2 nd Crop 1 st Crop is damaged, and AIP determines it is NOT practical to replant 1 st Crop is damaged, and AIP determines it is practical to replant Replant and Insure Take to Harvest Choose NOT to Insure 2 nd Crop • Receive 100% payment from 1 st crop loss minus appraisal • 1 st crop - Must report acres at acreage reporting time, production must be kept separate and will be used for APH • 2 nd crop - Must report acres at acreage reporting time as “not insured acres”, and production will NOT be used for APH purposes Damaged acres Appraised Plant 2 nd Crop Leave Black Choose to Insure 2 nd Crop • 1 st crop payment reduced to 35% and premium is reduced to 35%. • 2 nd crop premium is 100% 2 nd Crop has a Loss • 2 nd crop loss is accepted & paid in full to insured • 1 st crop premium and loss remain at 35%. 2 nd Crop No Loss • Insured may request full payment on 1 st crop and 1 st crop premium goes to 100% NAU Country Insurance 2 Special Note: 2 nd crop loss payment may be less than the 1 st crop loss payment so you may want to reject the 2 nd crop loss and ask for the remaining 65% - 1 st crop loss to be restored. Revised 6/26/10

Prevent Plant on 1 st Crop • No 2 nd Crop Planted • 100 % PP on 1 st Crop • An approved cover crop may be planted anytime after final plant date of the prevented planted crop • Cover Crop can’t be hayed or grazed until November 1 st; never harvested. • Only certain crops qualify as cover crops. • A cover crop is defined as: “A crop generally recognized by agricultural experts as agronomical sound for the area for erosion control or other purposes related to conservation or soil improvement. ” • The cover crop qualifications are detailed in the PP handbook. 2 nd Crop Planted • 2 nd crop may not be planted until after the late plant period for the 1 st prevented plant crop • 25 days, for most crops, after Final Plant Date Choose to Plant 2 nd Crop: • 2 nd crop automatically insured if crop is on policy • 2 nd crop – Premium is 100% and eligible to receive full indemnity • 1 st crop – Indemnity reduced to 35% • 1 st crop – Premium reduced to 35% • 65% remaining PP indemnity can not be restored regardless of 2 nd crop loss APH Impact if 2 nd Crop Planted • 1 st Crop (PP) – 60% of approved APH yield for prevent planted acres • 2 nd Crop – APH calculated off actual production APH Impact if No Crop Planted (Except An Approved Cover Crop) Revised 6/26/10 NO IMPACT NAU Country Insurance 3