DECEMBER 2019
Message from the President BRIAN RICKER
If you’re anything like me, putting 2019 into the history books and moving on to new opportunities will be a welcomed event. Though this year has certainly been challenging, I’ve been encouraged to hear many “silver lining” stories emerge from the struggles of 2019. Too often we tend to dwell on the negative and fail to recognize the subtle gifts and positive aspects presented during a trying situation.
Positive stories include those of families spending more time together. Neighbors talking more, sharing strategies and helping out one another. Families spending more time in prayer during difficult times. The common theme of these stories center around faith, family and service. Another positive derived from the challenges in 2019 was a greater overall awareness of the issues of mental health on the farm. Ohio’s #gotyourback Campaign, sponsored by the Ohio Department of Agriculture and supported by many agricultural organizations including AgCredit, was created to let farmers know they’re not alone in their struggles and to offer resources for seeking professional, confidential help when stresses on the farm become overwhelming. Though farming traditionally ranks within the top 10 of the most stressful occupations in the nation, the anxieties experienced during the 2019 growing season were extremely intense for many involved in production agriculture. There were numerous difficult decisions to make, deadlines to meet and so much information to comprehend with many unknowns about the ramifications and outcomes. Although we can’t always control the stresses we face, we have the power to manage how we respond in the face of adversity. Stressful events are more likely to be positively resolved if we have a clear and realistic view of the problem, a strong support system, a history of managing successfully, a hardy disposition, an accurate understanding of our strengths
and limitations, sound action plans and a proactive approach to facing potential hardship. Included within the pages of this magazine is valuable information to help cope with stress and other mental health challenges. I encourage you to review these resources and share them with your friends and family. I believe when we openly talk about these issues, we’re building awareness and possibly helping someone through a difficult period. If you’re experiencing financial difficulty because of the recent weather, I encourage you to contact your account officer as soon as possible. Your account officer will work with you to determine the best options for your individual operation. In the event loans need to be extended, restructured or the principal deferred, we’re fortunate because interest rates have been declining since December 2018. We know AgCredit’s loan growth will most likely be flat for the year due in part to the challenging spring weather and lower utilization of operating loans. We will most likely experience some decline in credit quality, and a higher number of loans will need some additional servicing. Though 2019 is not in the books yet, we’re optimistic that AgCredit will experience favorable financial results. Perhaps this is another silver lining as we approach the end of this challenging year. One of the unique benefits of being a member of AgCredit is sharing in the association profits through the return of patronage. A positive with slower loan growth would be a need to retain less of the association’s net income to support growth, and a higher percentage of association net income can be available for patronage. We’re looking forward to sharing details about our association patronage and financial results in early 2020. We’ve been fortunate to return on average 28.3% of accrued interest in cash over the past five years. Until then, please accept our heartfelt wishes for you and your loved ones to have a merry Christmas and prosperous New Year!
contents Farm Stress? Everyone experiences stress and it comes in many forms. It can eventually start to affect your mental and physical health. If you are feeling stressed or need someone to talk to, check out some of the resources below. Remember, you’re not alone in dealing with stress and mental health issues.
Ohio’s Got Your Back Resources for stress management. https://gotyourbackohio.org
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Mental Health Resource Guide for the State of Ohio Use this site
local county.
to find resources in your
AGCREDIT LEADER DECEMBER 2019
https://u.osu.edu/cphp/ohio-mental-health-resource-guides/
OSU Extension Task Force: ss rm Stinre Rural and Fa sful stres s omic econ
Resources for farm onal times,workforce development, and pers ent. agem man s stres ces/extension-task-forces/ https://extension.osu.edu/about/resour rural-and-farm-stress
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FIELD NOTES: CULTIVATING A CURE TO BE FAIR, OR TO BE EQUAL? THAT IS THE QUESTION. LEGISLATIVE UPDATE CROP INSURANCE UPDATES TIPS FOR PURCHASING YOUR FIRST HOME YEAR-END LOAN PAYMENT AND TAX POINTERS PHOTO CONTEST WINNERS 2019-2020 SCHOLARSHIP RECIPIENTS
PRESIDENT - Brian Ricker BOARD OF DIRECTORS Scott Schroeder, Chairman Gary Baldosser, Vice Chairman Deborah Johlin-Bach David Conrad Kevin Flanagan Daniel Rengert Dustin Sonnenberg David Stott, Ph.D. Michael Stump Michael Thiel EDITOR - Kayla Laubacher Address changes, questions, comments or requests for copies of our financial reports should be directed to AgCredit, ACA by writing 610 W. Lytle Street, Fostoria, OH 44830, or calling 800-837-3678. Our financial reports can also be obtained on our website: www.agcredit.net IMPORTANT DISCLOSURE We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. WHISTLEBLOWER INFORMATION Reports of suspected or actual wrongdoing can be made anonymously and confidentially through the SpeakUp Whistleblower hotline or online. All information submitted to SpeakUp is taken seriously and investigated thoroughly. WHISTLEBLOWER HOTLINE WITH SPEAK UP: 1-844-850-6494 (24 hours a day, 7 days a week)
Suicide Prevention Lifeline
If you or someo ne you know ne eds emotional supp ort, text “4hope ” to 741741 or ca ll 1-800-273-82 55.
WHISTLEBLOWER ONLINE REPORTING: http://speakupAgCredit.intercedeservices.com We are an Equal Opportunity/Affirmative Action Employer. We recruit, hire, train, and promote individuals without regard to race, religion, color, sex, national origin, age, disability, sexual orientation, parental status, marital status, political affiliation, military service, or any other non-merit based factor.
FIELD NOTES Cultivating a Cure
BY KAYLA LAUBACHER, MARKETING COORDINATOR
On August 25, 2019, the 9th annual Cultivating a Cure event was held at AgCredit Board Member Gary Baldosser’s Farm in Green Springs. This is an annual event put on by Ohio Farm Bureau Foundation to support cancer treatment and prevention research. This year the event welcomed a record 375 attendees and collected over $116,000 for the OSU/CCC James Cancer Hospital and Solove Research Institute. At this year’s event, guests heard from Gary Baldosser, who lost his father to cancer two years ago as well as Gary’s daughter-in-law, Brooke, who was diagnosed with thyroid cancer at age 22. Dr. Cathann Kress, vice president
for Agricultural Administration and dean of the College of Food, Agricultural, and Environmental Sciences and Dr. Elizabeth Grainger, a clinical research nutritionist in the Comprehensive Cancer Center at The Ohio State University both spoke at the event as well. Keep an eye out at AgCredit events in 2020 for the pink pedal tractor in the photo above. AgCredit and Sunrise Cooperative purchased the pink pedal tractor during the live auction at the event. The tractor is a symbol of Ohio agriculture joining together to help support cancer research.
AGCREDIT LEADER DECEMBER 2019
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To be fair, or to be equal? That is the question. BY RYAN CONKLIN, ATTORNEY, WRIGHT & MOORE LAW CO., LPA
AGCREDIT LEADER DECEMBER 2019
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Goals are the proverbial compass that guide the entire succession planning process. Being able to articulate the goals of your family and your farm can be the difference between an effective plan and one that dooms your operation. One goal in particular can cause discord among families, and that goal centers on the debate about what’s fair and what’s equal. Let’s use an example to examine the challenges RYAN CONKLIN between the two approaches. Assume we have two parents who have three children and a $6 million estate consisting of $2 million in land, $2 million in machinery and $2 million cash.
Why would I want an equal plan? An equal plan is one that splits all of the assets in an estate evenly across all heirs. In some cases, these plans will split all assets equally, so each child receives an equal share in each farm, each piece of equipment and each bank account. These plans pose major problems if there is a farming heir. Here, the farming heir might be forced to buy out his or her siblings’ shares in the land and equipment all at once. For most farmers, this option will cause major cash flow problems. In other cases, these plans will allocate specific assets to specific children. Sticking with our example, one child may receive $2 million in farmland, while another may receive $2 million in machinery and the other would receive $2 million in cash. Here, a farming heir might be in better shape, except he or she may only receive ownership of the land or machinery and would need to buy the other asset from a sibling to continue farming. Equal plans may be appropriate if there’s no farming heir and all assets can pass equally without conflict. They are also common for families with minor children.
Why would I want a fair plan? A fair plan is used when the parents want to help out the farming heir or heirs by giving them a greater share of the estate. In our example, assume mom and dad prioritized the farming heir in their succession plan by giving him or her all farming assets. One child would receive $4 million in land and machinery, while the other two children would receive $1 million each in cash. In fair plans, families tend to prioritize the survival of the farming operation. Thinking that the farming heir may struggle to purchase farm assets from siblings, the parents decide to give that heir all of the land and machinery outright. As you can see, the challenge here is that the farming heir receives four times more than his or her siblings from the estate. For some parents, that does not sit well.
Is it possible to assemble a plan that is both fair and equal? Yes! It’s possible to combine principles of both fair and equal plans. In our example, assume the farming heir receives land, one sibling receives machinery and the other receives cash. To help the farming heir, the plan may provide that individual with a purchase option on machinery that gives him or her 10 years to pay. In the meantime, the plan also requires that the machinery be leased to the farming heir if he or she decides to buy it. Although the machinery sibling has to wait for his/her money, eventually he or she will get paid, and the farming heir will get a break with favorable financing terms. The key with fair and equal plans is they require detailed planning efforts to be successful. If you already have a succession plan in place, conduct a “fair versus equal” review to see if your goals have been satisfied. If you’re in the process of completing your plan and are stuck on this issue, consult your legal professional to discuss solutions. Taking advantage of Nationwide’s Land as Your Legacy program is another great option to break gridlock on this issue.
Legislative update
BY DAVID WHITE, ACCOUNT MANAGER FINANCIAL SERVICES AND GOVERNMENT RELATIONS
• A delegation consisting of 14 AgCredit members, staff and directors attended and participated in the Farm Credit Council’s Washington, D.C. fly-in this past June. We had excellent face-to-face meetings with U.S. Senators Rob Portman and Sherrod Brown as well with Congressional representatives DAVID WHITE Troy Balderson, Bob Gibbs, Jim Jordan, Marcy Kaptur and Robert Latta. During these meetings we discussed current farm and crop conditions, how AgCredit is helping its members during stressful times, credit conditions, the need for USMCA to be ratified by Congress, the need to resolve trade differences with China and more. Staff for each respective U.S. Senate and Congressional office were also involved in the meetings. • We worked with Congressman Balderson’s office in recruiting members to serve on his farm/ag advisory committee and attended/participated in its first meeting. He anticipates the committee meeting quarterly. • We met with Congressman Jordan’s district office staff multiple times to keep them up-to-date on weather-related challenges facing farmers in northwest and north central Ohio. • During our meeting with Congressman Latta on Capitol Hill, we extended an invitation to a new member of his staff who handles ag issues —
Emily Lammers — to join us for farm visits to discuss various issues during the August Congressional recess. Emily graciously accepted our invitation and visited three members’ farms with us. • We attended and participated in meetings with Congressman Latta and Congressman Gibbs in their home districts. • AgCredit submitted a letter of support for substitute HB 183 to the Ohio House of Representatives’ Ag & Natural Resources Committee. Earlier this year AgCredit had testified as an interested party regarding the proposed legislation that seeks to allow income tax credits for beginning farmers who participated in a financial management program and for the businesses that sell or rent agricultural land, livestock, facilities, or equipment to beginning farmers. An important component of Farm Credit System institutions, like AgCredit, includes a mission to focus on providing assistance to young, beginning and small farmers to help with establishing their farming operation. Therefore, as farmers in Ohio continue to manage various challenges facing them — a trend of declining commodity prices, weather related events and an uncertain global economy — we believe it is important to support beginning farmers since they are typically more vulnerable during times of prolonged economic stress. The substitute version of the bill made four changes to the proposed legislation which we viewed as providing sound, additional measures to hopefully help remove barriers that could discourage someone from entering farming and pursuing their lifelong dream.
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AGCREDIT LEADER DECEMBER 2019
This past summer and fall AgCredit was involved in a variety of government relations activities:
Crop Insurance Updates BY CALEB DOUCE, DOUCE AGENCY LLC
AGCREDIT LEADER DECEMBER 2019
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Once the calendar year has changed and 2019 is in the past, we are all going to remember what this year was like. The rain came in abundance, then dried up and we found a need for more rain. There are a couple of things to remember when harvesting the crops you were able to plant this year. The first thing to remember is accurate reporting of your production, yields and records. There are 2 different types of records used in crop reporting. The first kind is a hard record. When crop is taken to a commercial elevator or grain processor they provide the hard record that becomes the final disposition of the total crop and it is verifiable. These records come in the form of settlement sheets, signed appraisals, precision farming records and feed records. One might think of a hard record as “official” because of its ability to be verified. The second kind is a soft record. This type of record is maintained by you, the farmer. These documents are kept to be able to separate production by type, variety, etc. This type of record includes weigh slips, load records, bin markings, and printable combine monitor records.
In the ARC–Individual program, a claim would be opened and payment made if the revenue from all insured crops is less than the guarantee. In this program the guarantee is based on individualized data. Next, let’s see how PLC is different. Within this program, there are 2 crop prices. These prices are the effective price and the referenced price. A claim and substantial payout would happen under this program, on a crop by crop basis, if the effective price falls below the referenced price. Please contact your local FSA office to get specific program deadline dates. 03/15/2020 is the deadline if you would like to make changes to your 2020 corn/soybean policy. If you have any questions, or would like to have preliminary calculations made, please contact your agent. May you all have a happy, healthy and prosperous 2020!
The second thing to remember as you are harvesting is the different FSA programs and their date of decision. These programs are ARC (Agricultural Risk Coverage) and PLC (Price Loss Coverage). Let’s talk about ARC. Within ARC there are 2 types of coverage: ARC-County and ARC–Individual. In the ARC–County program, a claim would be opened and payment made if the county revenue is less than what the revenue guarantee is based. The guarantees in this program are based on county data.
740-386-2991
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Tips for Purchasing Your First Home BY CRAIG COUGHLIN, MORTGAGE LOAN ORIGINATOR
from zero down to up to 20% or more. A qualified lender can advise you on what down payment, if any, will be required for your particular loan program. The down payment itself will likely need to be documented in terms of what type of account and from whose account the funds will be drawn.
The first thing to do is contact a reputable lender at least two to three months before you plan to buy. By doing so, you’ll be able to establish a realistic price range based on your qualifying maximum CRAIG COUGHLIN budget. Knowing what you can actually afford will enable you to create a comfort zone as it relates to a monthly housing expense. Items that likely will be required at an initial lender consultation include:
Also, are the funds you plan to use readily available? If they’re in a 401K, IRA or some other investment plan, you’ll want to consult with your plan administrator ahead of time to determine how quickly you can access those funds and whether there are penalties involved upon withdrawal.
• W-2 forms • 1099 forms, if you’re self-employed • Pay stubs • Bank statements • Two-year work and residence history Additional documentation may be necessary as each circumstance is unique. In addition to establishing a realistic budget, your initial lender consultation can also alert you to any credit issues you may have or other qualifying particulars that should be addressed. It’s far easier to tackle these potential hurdles early in the process than to address them once you’ve entered into an agreement to buy a home. Down payment requirements vary widely depending on the loan program —
Finally, some loan programs allow for documented gift funds from an immediate family member or close relative to be used when a down payment is required. Your lender will be able to explain these gift funds documentation requirements. The home buying process should be an exciting occasion — one that doesn’t have to be overly stressful or complicated. Make the purchase of your first home a true time of celebration by consulting with a competent lender and real estate professional as the first step of your home-buying experience.
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AGCREDIT LEADER DECEMBER 2019
Preparation is key when you’re getting ready to buy your first home. Doing your homework will help ensure that the process proceeds as smoothly as possible and minimizes the odds of any unexpected issues arising.
Year-End Loan Payment and Tax Pointers BY JANICE KOHLS, LOAN OPERATIONS MANAGER AND LOGAN KREAIS, CHIEF FINANCIAL OFFICER
As the holiday season approaches, year-end is just around the corner. With each year-end comes the task of deciding in which year to make loan payments for tax planning. Below are a few items to keep in mind to help in your planning.
Loan Payments
• Our branches close 2019 business at 2:30 p.m. on Tuesday, December 31, 2019. • Payments received after this time will be credited in 2020. • We encourage you to make payments before the 31st and specify how you would like them applied. • Please consider mail time. Payments are effective when received and not by the check or postmark date. • Account Access payments after the daily cut off time post to your account the next business day. • The cut off time is generally 2:30 p.m., but may be earlier. AccountAccess provides the actual cut off time.
AGCREDIT LEADER DECEMBER 2019
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• You can pay all or a portion of your accrued interest in 2019 and get credit for 2019. • Your local branch can help you to determine the amount. • You can pay your January 1, 2020 real estate mortgage loan payment before the close of business in 2019 and get credit for the interest in 2019. • You cannot use escrow (funds held) interest credit to pay a portion of the payment and get credit in 2019. • Interest paid during 2019 on your loans secured by real estate will appear on the IRS Form 1098 Mortgage Interest Statement or annual statement. • Consult with your tax preparer on interest deduction tax reporting.
Review 2019 Payments Through AccountAccess
You can help ensure the accuracy of your loan transactions for 2019. • Doing this well before the 31st gives you time to notify the office and allows time to make the changes in 2019. • This helps make sure your tax and other annual statements are correct.
IRS Informational Returns
• We report informational returns under the person or entity listed as the primary borrower for the borrowing entity.
• Statements are available on AccountAccess in mid-January. Paper forms, along with your Member Summary Statement, will be mailed out in late January. 1098 – Mortgage Interest Statements: This form shows interest paid for any loan secured by real property and made to a person (an entity using
a social security number). Any interest refinanced or paid with funds from another loan is not reported. 1099-INT – Interest Income: This form shows interest of $10 or more earned on funds in escrow (funds held) and/or Voluntary Advanced Conditional Payment Account (VACP or Reserve Account). 1099-DIV – Dividends and Distributions: This form shows dividends of $10 or more earned on Class A Preferred stock. 1099 PATR – Taxable Distributions Received from Cooperatives: This form shows the amount of taxable patronage you received by either check or notice. Any patronage refund and disbursement of allocated equities is at the discretion of the Board of Directors. The taxable patronage for 2019 includes: • 2018 cash patronage distributed in late March or early April 2019. • 2019 Nonqualified Allocated Surplus distributed in July 2019. Nonqualified allocated equity is taxable in the year distributed to you in cash.
Member Summary Statements
We mail summary statements to each borrowing entity at the end of January. The statement is available on AccountAccess in mid-January. This is informational and not sent to the IRS. Your member summary statement shows beginning and ending loan balances, interest paid, fees paid, stock and allocated equity balances.
AccountAccess
Conveniently manage your account information anytime from anywhere with AccountAccess. • Free, 24/7 access to your account. • Quicker availability of IRS tax forms and the member summary statement. • Request draws on your line of credit and make loan payments. • See loan balances, activity, interest paid, billing statements and more. • Avoid late fees. Your payment is posted as soon as the next business day. • Link up to three checking or savings accounts to make your payment. • Download our free mobile banking app to your smart phone from the Apple App store or the Google Play store. Search for AgCredit Mobile. If you want to sign up for AccountAccess or have forgotten your password, contact 1-844-275-9534 or AASupport@farmcredit.net for help. As we close out 2019, remember to jot down your inventories and other information to complete a balance sheet and income statement in preparation for the financial analysis of your business. If you need help with this process, contact your AgCredit team. Thank you for choosing to do business with AgCredit. We wish you a blessed holiday season.
Around AgCredit
Stay Connected with us! Email marketing@agcredit.net to join our email list!
Photo Contest Winners
Julie Stolcals, “Future Farmers”
Dawn Mizen, “Time to Play”
Jane Brause, “Sunflowers and Blue Skies”
Valerie Wallis, “Esther”
Crystal McCown, “Dinner is Served”
Erica Weaver, “Dream Big”
Valerie Wallis, “Shorthorn Farm”
Edward Schroeder, “Sunset on the Farm”
Theresa Seigley, “Beautiful Fall Colors”
Amanda Bush, “Cotton Candy Harvest”
Calendar
Joe Lierenz, “BANANAS!”
Dawn Mizen, “Magical Snowfall”
December 24 & 25
Offices Closed for Christmas
January 1
Offices Closed for New Year’s Day
January 20
Offices Closed for Martin Luther King Jr. Day
February 17
Offices Closed for President’s Day
AGCREDIT LEADER DECEMBER 2019
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Around AgCredit Welcome New Employees
BRE PINGLE
BECCA KOCHER
KRISTYN TALLEY
SCOTT PARKER
KJ MARTIN
PAYTON PARRISH
EMILY GREEN
Bre Pingle began her career with AgCredit in July as a Residential Lending Operations Specialist.
Becca Kocher joined the Bucyrus team as a Loan Accountant in August.
Kristyn Talley started with AgCredit in September as a Residential Lending Assistant.
Scott Parker joined the Admin team as the Special Assets Manager in October.
KJ Martin began his career with the Napoleon AgCredit team as an Account Officer Trainee in October.
Payton Parrish joined the Kenton and Findlay teams as a Branch Assistant in October.
Emily Green started with AgCredit as a Loan Accountant in the Bowling Green office in November.
5 Years
Years of Service Awards
JONATHAN EWALD
HOLLY GATES
DAVID GREEN
CORY HOHMAN
DARLENE MYERS
DEANNA SCHROEDER
AMBER SHEPLER
DEREK SNIDER
VIVIAN THOMPSON
JENNIFER WILSON-OECHSLE
ANDREW WITKER
ELIZABETH WIXTEAD
HEATHER BRICKNER
PAULA DURAN
AARON STOLLER
MICHELE GRUBER
JULIE REINHART
ALLISON WALTON
JOSEPH ERB
MARLA SCHEFFLER
LYNN GEITGEY
CHARLES YODER
15 Years 40 Years
10 Years 25 Years
AGCREDIT LEADER DECEMBER 2019
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2019-2020 Scholarship Recipients Congratulations to this year’s Joe Leiser Memorial Scholarship Recipients! Each student was awarded $2000 to assist in their agricultural education. AgCredit has awarded over $113,000.00 in scholarships over the past 30 years. Watch for the 2020 application on our website next spring!
DEREK GOODMAN
Derek Goodman, Morrow County, is a junior at The Ohio State University studying Agricultural Engineering.
JOE CALLOW
Joe Callow, Van Wert County, is a junior at The Ohio State University studying Ag Systems Management and minoring in Engineering Science.
MCKENZIE DAVIS
McKenzie Davis, Van Wert County, is a junior at The Ohio State University studying Agribusiness and Applied Economics and minoring in Agronomy.
2019 Mission Fund Recipients The AgCredit Mission Fund was formed in 2018 as an opportunity for AgCredit to invest in the future of agriculture and positively impact the quality of life in rural Ohio. The grants are awarded on an application based system within four focus areas — Education, Environment, Technology, and Quality of Rural Life. If you know of an organization that could benefit from a grant, encourage them to apply on our website beginning in March 2020.
Cardington Vocational Agriculture Farm Assn., Inc.
Van Wert County Junior Fair Board
Using the funds to maintain the farm and supplement the loss of crop income due to the extreme weather issues in 2019.
Improvement project to convert an existing structure at the Van Wert County Fairgrounds into an indoor livestock show arena.
Morrow County $15,000
Putnam County Ohio Swine Improvement Committee Putnam County $15,000
Improvements to the livestock barns and show arena at the Putnam County Fairgrounds.
Ohio FFA Foundation
Van Wert County $10,000.00
Parker’s Purpose Sandusky County $7,000.00
Purchasing iPads for a training event to equip parents and educators with tools to help their child and/or student with autism to better communicate.
Pemberville American Legion Post #183 Calf Club
Providing the opportunity for 78 FFA students to travel to Ohio FFA Convention, Ohio FFA Camp Muskingum, and Washington Leadership Conference.
Lindsey Volunteer Fire Department Sandusky County $14,905.00
Purchasing an agriculturally focused rescue trailer for the fire department.
Happy
Holidays From
Wood County $7,095.00
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Improvements to the existing barn to strengthen the roof structure and add additional ventilation.
AGCREDIT LEADER DECEMBER 2019
Franklin County $15,000
PRSRT STD US POSTAGE
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COLUMBIA, SC PERMIT 1160
610 W. Lytle Street Fostoria, OH 44830
Participating Dealers in Our Area: A.G. Irrigation Edgerton
Haar Brothers Gibsonburg
Polen Implement Elyria
A.N. Farm Equipment Shiloh
Holgate Implement Sales Holgate
Randall Brothers Holgate
Anderson Tractor Supply Bluffton
Homier & Sons Continental, Payne
Bay Tractor & Turf Gibsonburg
Independent Ag Bellevue
Redline Equipment Archbold, Bellevue, Bowling Green, Ottawa and Sherwood
Born Implement Amherst
Krystowski Tractor Sales Wellington
• Up to 100% financing
Buckeye Application Continental
KW Farms Upper Sandusky
• Credit decisions in minutes
Burkhart Farm Center Bucyrus
MH Eby West Jefferson
• Excellent terms
Dan’s Truck Sales Perrysburg
• Opportunity to share in AgCredit’s profit-sharing program
Upper Sandusky
farmcreditexpress.com
Fast, Easy Financing.
Nathan Frey Farm Equipment E & R Trailer Sales & Service Upper Sandusky Middle Point North Central Ag New London Evolution Ag Findlay Implement Co. Findlay
Need more information? David White 419.435.7758 ext. 1602
George F. Ackerman Company Curtice Green Field Ag Gibsonburg
Northwest Tractor Co. Ottawa Norvin Hill Machinery Greenwich Paul Martin & Sons Napoleon Peters Used Equipment Pemberville
Reitzel Tractor, LLC Edon Rodoc Sales, Service & Leasing Delphos Sensenig Ag Equipment Greenwich Steiners Equipment Sales and Rental Shiloh Tawa Equipment Ottawa Tiffin Ag & Turf Tiffin Wood County Implement Bowling Green Wyandot Tractor Upper Sandusky Wellington Implement Ashland, Wellington