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AOC

June 6, 2006

After careful thought and consideration, Karen & I have come to the conclusion that it will be in the best interest of our clients and staff to align ourselves with a larger organization. As a result of this decision, we have agreed to merge our agency with the Dakin Insurance Agency effective June 1, 2006.

We feel that by merging with an established agency that our clients will benefit by receiving better products and pricing over the long term. In addition, Dakin will provide excellent service, more locations and expanded hours of operation. Like AOC, Dakin is an independent insurance agency that can offer you a choice of companies to best fit your needs, such as Grange, State Auto, Allied, Cincinnati, Westfield, Indiana and Progressive.

This change will not affect your existing insurance policies that you have purchased through AOC. Dakin will simply begin servicing your account; there will be no changes in coverage or premiums. We are happy to announce that Sharon Caldemeyer and Marcia Pilgrim will join Dakin and continue to serve you. You may contact our service department at the same phone number you always have: (513) 984-5335.

Please browse this web site for more information on Dakin Insurance. I hope that you will see this as a positive change and a benefit to your insurance program.

If you have any questions about this change, please contact Dave Beckett, President of Dakin Insurance, at (513) 932-4010.

Sincerely,

I. James Oliver & Karen Altemeier Oliver

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