Frazier Insurance Agency - ISR Super Excess Medical Coverageþ

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ISR SUPER EXCESS MEDICAL COVERAGE

2009-2010 International Snowmobile Racing

ISR is now able to offer a Super Excess Medical insurance policy to its individual competitors and race crew. This policy is valid only for ISR sanctioned events in the U.S.. This additional coverage is very beneficial, even if you have private insurance through an employer, spouse, parent, or an individual policy, as often these policies exclude medical claims as a result of racing activities. If you don’t have any private coverage, it is even more beneficial

Should you become injured at an ISR sanctioned event in the U.S., your private insurance is the primary insurance (if applicable), followed by the ISR Participant Accident event insurance (through K&K Insurance). The Super Excess Medical policy would be the third insurance to kick in. The schedule of benefits includes:

Description of Benefits:

Accidental Death, Dismemberment, or Loss of Sight: $5,000.00

Dental: Included in Maximum Benefit

Benefit Amount: 100% of Usual and Customary Charge

Maximum Benefit per Participant: $100,000.00

Deductible Amount per Participant per Injury - Disappearing $5,000.00(The ISR excess medical event insurance satisfies $3,000.00 of the deductible.) The individual insured is responsible for the remaining $2,000.00 balance of the deductible before benefits under the Super Excess policy are paid.

Price of Policy: $130.00 (US Funds) per individual.

Effective Date: The effective date will be the date the application and payment are received by Frazier Insurance.

Benefit Period: This policy expires August 31 2010.

Eligibility: An eligible person means a ISR member and participant of the policy.

If you have any questions on the specifics of the policy, please contact Frazier Insurance Agency, Inc. at 804-754-7610. To enroll in this policy, you may obtain the Enrollment Form from www.frazierinsurance.com under ISR forms. All enrollment forms are to be submitted directly to Frazier Insurance with payment.

How to contact Frazier Insurance Agency, Inc.:

By Mail:

Frazier Insurance Agency, Inc.

PO Box 1250

Midlothian, VA23113-1250

By Phone:

1-804-754-7610

By Fax:

1-804-754-7613

By Email:

ifrazier@frazierinsurance.com