Yields

Fall 2018

Northwest Farm Credit: Rural, Real Estate, Operating Loans; Farm Loans; Country Home Loans; Lot Loans; Equipment Financing; Young and Beginning Producers; Crop Insurance; Business Management Education; Property Appraisals

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11 Northwest Farm Credit Services agvision AgVision Program Helping New Ag Producers Grow All of us in agriculture share a responsibility to launch the next generation of promising young producers. Many grew up in agriculture as the sons and daughters of Northwest Farm Credit Services' customers. Others are entering agriculture for the first time. Helping these young, beginning producers start their own businesses is an integral part of the cooperative mission at Northwest FCS. Eligibility AgVision is our nationally recognized program available to young, beginning and small producers with at least one of the following characteristics: • 35 years of age or younger • 10 years or less agriculture experience • Producer with annual gross farm production of less than $250,000 Financing Options Young, beginning and small producers may have difficulty finding adequate financing. AgVision offers financing at competitive rates with possible loan fee reductions. Financing includes: • Real estate purchases – loans to acquire a farm, ranch, timberland or additional acreage. • Operating expenses – credit for planting and harvesting expenses such as feed, seed and fertilizer, as well as family living expenses. • Livestock and equipment purchases – financing for livestock, new or used machinery or vehicles. Contact your local Northwest FCS branch for more information. 800.743.2125 | northwestfcs.com • Refinancing existing debt – refinance mortgages and contracts or consolidate other debts to obtain terms tailored to fit your repayment schedule. • Fishermen financing – vessel purchases, permits, quota shares, equipment financing and real estate. Program Features Less restrictive underwriting standards – Customers who might not qualify under normal programs might qualify under AgVision standards. Competitive interest rates – All qualifying loans receive preferred rates. Reduced or waived fees – Applicants receive fee reductions or waivers, depending on circumstances. Knowledgeable staff – AgVision program participants work closely with Northwest FCS staff to build financial manage- ment skills as they develop their operations. Educational benefits – AgVision participants are invited to conferences and workshops for financial and management training. A variety of reimbursement vouchers are also available to help with technology purchases and education expenses. Mentor program – Participants are encouraged to work with a mentor to increase their management skills. Learn More

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