Annual Info Statement_26

2026 Annual Meeting GreenStone Farm Credit Services

JOIN US 04.20.26 Annual Stockholders Meeting GreenStone’s Corporate Office / 3515 West Road / East Lansing, MI 48823

AGENDA

127

3:00 p.m. Business Meeting

COLEMAN RD.

• Call to Order

GREENSTONE FCS

• Director Report ABBEY RD.

• President’s Report

WEST RD.

• Nominating Committee Report • Election Process/Regional Voting (Mail/Online Balloting) HARRISON RD.

COOLIDGE RD.

WOOD RD.

• Approval of 2025 Minutes

- Directors - Nominating Committee 4:00 p.m. Adjournment

Board of Directors

Board of Directors Members of our Board of Directors provide strategic oversight and direction to our cooperative, and play an important role in ensuring the association’s operations are carried out in a safe and sound manner.

Peter C. Maxwell (Age 41)

Edward L. Reed (Age 63)

Michael J. Feight (Age 69)

Terri J. Hawbaker (Age 45)

Trent C. Hilding (Age 45)

Bruce E. Lewis (Age 60)

Paul E. Lindow (Age 63)

Ronald W. Lucas (Age 69)

Board Chair Executive Committee, Chair Compensation Committee

Finance Committee, Vice Chair Technology Committee

Finance Committee, Chair Technology Committee

Appointed Director Audit Committee, Chair

4

Board Vice Chair Executive Committee, Vice Chair Compensation Committee, Chair

Executive Committee Compensation Committee

Audit Committee

Audit Committee, Vice Chair

GreenStone Farm Credit Services

Board of Directors

David J. McConnachie (Age 68)

Dennis C. Muchmore (Age 79)

Scott A. Roggenbuck (Age 62)

Troy J. Sellen (Age 41)

Richard D. Snyder (Age 67)

Marilyn L. Thelen (Age 66)

Dale L. Wagner (Age 65)

Jed A. Welder (Age 57)

Finance Committee Technology Committee, Vice Chair

Audit Committee

Appointed Director Finance Committee Technology Committee, Chair

Executive Committee Compensation Committee, Vice Chair

Annual Meeting Information Statement 2026

Appointed Director Legislative/Public Policy Committee

Legislative/Public Policy Committee, Vice Chair

Legislative/Public Policy Committee

Legislative/Public Policy Committee, Chair

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Board of Directors

Board of Directors Board of Directors as of December 31, 2025, including business experience during the last five years and any other business interest where a director serves on the board of directors or as a senior officer follows: Name

Principal occupation and other business affiliations

Peter C. Maxwell (Age 41) Principal Occupation: Board Chair Self-employed grain farmer Executive Committee, Chair Independent Sales Agent: ACH Seeds, marketing Crystal brand sugar beet seed Compensation Committee Employee: Maxwell Seed Farms, a grain farm Board Service Began: June 2016 Other Affiliations: Current Term Expires: 2028 Chair: Michigan Sugar Company West District, a sugar beet wholesale and retail sales organization Edward L. Reed (Age 63) Board Vice Chair Executive Committee, Vice Chair Compensation Committee, Chair Board Service Began: June 2008 Current Term Expires: 2026

Principal Occupation: Self-employed livestock and grain farmer Member-Manager: Reed Family Farms LLC, a grain and livestock farm Member-Manager: Reed Family Properties, LLC, a land holding entity Member-Manager: CEA Landholdings, a hog finishing barn

Eugene B. College1 (Age 79) Appointed Director Audit Committee, Chair Board Service Began: June 2009 Retired December 31, 2025

Principal Occupation: Retired Senior Vice President and Chief Financial Officer of Farm Credit Services of America, ACA

Michael J. Feight (Age 69) Finance Committee, Vice Chair Technology Committee Board Service Began: June 2021 Current Term Expires: 2029

Principal Occupation: Self-employed grain farmer Member: Fred Feight & Sons, LLC, a grain farm

Terri J. Hawbaker (Age 45) Executive Committee Compensation Committee Board Service Began: June 2015 Current Term Expires: 2027

Principal Occupation: Self-employed dairy farmer Owner/Operator: Grazeway Dairy Farms, a dairy farm Other Affiliations: Owner: FirstGen Auction Solutions, charity and benefit auctions

Trent C. Hilding (Age 45) Finance Committee, Chair Technology Committee Board Service Began: June 2022 Current Term Expires: 2026

Principal Occupation: Self-employed farmer and attorney Sole Member: Trent C. Hilding, PLC, a farm business/estate succession planning law firm Sole Member: Hilding Farms, LLC, a grain and cow/calf farm Sole Member: Hilding Farms Trucking, LLC, a grain truck operation

Bruce E. Lewis (Age 60) Audit Committee Board Service Began: June 2011 Current Term Expires: 2029

Principal Occupation: Self-employed livestock and grain farmer Member-Manager: Pleasant View Ag LLC, a livestock and grain farm

Other Affiliations: Board Member: Michigan Pork Producers Association, a pork marketing organization Board Member: Beacon Three Rivers Community Hospital, a non-profit health care system Board Member: National Pork Producers Council, a trade association representing U.S. pork producers Member: Farm Credit Council Advisory Board, provide topics for director and leadership events

Other Affiliations: Trustee: Tecumseh Township Board, a branch of local government

Other Affiliations: Board Member: Hillsdale County Farm Bureau, an advocacy and outreach board to protect agriculture

Paul E. Lindow1 (Age 63) Principal Occupation: Appointed Director Lindow Consulting LLC, general business consulting Audit Committee Retired in June 2024 as Partner: Deloitte & Touche LLP Board Service Began: June 2025 Other Affiliations: Current Term Expires: 2029 Board of Trustees/President: The Grosse Pointe Academy, an independent

educational facility for K-8th grade Advisory Board: Teach Michigan Regional Advisory board, non-profit education programs

Ronald W. Lucas (Age 69) Audit Committee, Vice Chair Board Service Began: June 2013 Current Term Expires: 2028

Principal Occupation: Self-employed dairy farmer Member-Manager: Lucas Dairy Farms LLC, a dairy farm

Other Affiliations: Supervisor: Wellington Township, a local governing unit Delegate: Genex Board, a dairy herd reproduction and breeding organization Member: Northeast Michigan Materials Management Authority, a county formed authority to build a new recycling facility Treasurer: Alpena Hopper Lodge #199, a fraternal organization

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GreenStone Farm Credit Services

Board of Directors

Name

Principal occupation and other business affiliations

David J. McConnachie (Age 68) Finance Committee Technology Committee, Vice Chair Board Service Began: June 2020 Current Term Expires: 2028

Principal Occupation: Self-employed grain farmer Member-Manager: Dave's Dirt, LLC, a sugar beet and grain farm

Dennis C. Muchmore (Age 79) Appointed Director Legislative/Public Policy Committee Board Service Began: June 2002 Current Term Expires: 2029

Principal Occupation: Government Relations and Regulatory Advisor: Honigman LLP, a law firm Other Affiliations: Board of Trustees: Oakland University, a public university

Scott A. Roggenbuck (Age 62) Principal Occupation: Audit Committee Agronomy Consultant: Star of the West Milling Company, provides agronomy services Board Service Began: June 2007 (March 2019 to June 2024) Current Term Expires: 2028 Employed: Cedar Pond Farms Inc. Director: Cedar Pond Farms, Inc., a sugar beet and grain farm President: Cedar Pond Holdings, LLC, a land holding entity Troy J. Sellen (Age 41) Legislative/Public Policy Committee, Vice Chair Board Service Began: June 2019 Current Term Expires: 2027

Principal Occupation: Self-employed dairy farmer Member-Manager: Valley Line Dairy LLC, a dairy farm operation Member-Manager: Valley Line Properties, LLC, a land holding company for the farm (January 2016 to June 2021) Other Affiliations: Member: Wisconsin Farm Credit Legislative Committee (GreenStone representative), legislative interests

Richard D. Snyder (Age 67) Appointed Director Finance Committee Technology Committee, Chair Board Service Began: June 2025 Current Term Expires: 2029

Principal Occupation: Owner/CEO: RPAction LLC, general business consulting Board Chair/CEO: SensCy Inc, cybersecurity for small and medium sized organizations

Marilyn L. Thelen (Age 66) Legislative/Public Policy Committee Board Service Began: June 2022 Current Term Expires: 2027

Principal Occupation: Self-employed grain and beef farmer Secretary/Treasurer: Thelen Ag Products, Inc., sales of ag equipment and parts Retired in January 2023 as Associate Institute Director: Michigan State University Extension, providing leadership to extension educators and specialists across Michigan

Other Affiliations: Board Member: Business Leaders for Michigan, advocacy Board Member: PVS Chemical, a global manufacturer, distributor, and marketer of chemicals Advisory Board Member: Palo Alto Networks, cybersecurity

Other Affiliations: Review Committee Member: Michigan Barn Preservation Network, a volunteer based non-profit committed to the rehabilitation of barns Dale L. Wagner (Age 65) Executive Committee Compensation Committee, Vice Chair Board Service Began: June 2012 Current Term Expires: 2027

Principal Occupation: Self-employed dairy and grain farmer, and custom harvester Member-Manager: Twin Elm Family Farm, LLC, a dairy and grain farm Member-Manager: Union 151, LLC, a custom harvesting operation

Jed A. Welder (Age 57) Legislative/Public Policy Committee, Chair Board Service Began: June 2018 Current Term Expires: 2026

Principal Occupation: Self-employed grain farmer Owner/Operator: Trinity Farms

Other Affiliations: Member: Wisconsin Farm Credit Legislative Committee (GreenStone representative), legislative interests Board Member: AgriBank District Farm Credit Council, a trade association representing the AgriBank District Member: AgriBank Nominating Committee, responsible for identifying, evaluating, and nominating candidates for election to the AgriBank board of directors

Other Affiliations: Board Chair: Montcalm Conservation District, a conservation education, outreach, and participation program Board Member: Farmer Veteran Coalition, cultivates collaboration between farming and military communities Board Member: AgriBank District Farm Credit Council, a trade association representing the AgriBank District 1

ffective January 1, 2026, the Chair of the Audit Committee changed to Paul E. Lindow from Eugene B. College due to his retirement on E December 31, 2025.

Annual Meeting Information Statement 2026

7

Disclosures

Disclosures The following information regarding the director candidates is disclosed as required by federal regulation.

CANDIDATE DISCLOSURES GreenStone Farm Credit Services, Agricultural Credit Association (GreenStone Farm Credit Services) has loans outstanding to all the director candidates and, in some cases, to their immediate family members during the last full fiscal year to date. These loans were: a) made in the ordinary course of business and b) were made on the same terms, including interest rate, amortization schedule, and collateral as those prevailing at the time for comparable transactions with other persons.

No candidates in this election reported any involvement in bankruptcy, receivership, or similar proceedings; being convicted of a felony; being named in a criminal proceeding; or being enjoined from engaging in any business practice during the past five years. Refer to the Annual Report for additional disclosure information and legal proceedings.

Any nominee elected to the board of directors has been required to complete an annual Standard of Conduct certification and will be subject to the same regulatory, GreenStone Bylaws, and policy requirements as current directors.

This document contains disclosures required by the Farm Credit Administration (FCA) and additional candidate information.

FCA Regulation 620.21(a)(4) requires that the names and ages of persons currently serving as directors of the institution, their terms of office, the periods during which persons have served, and the type or types of agriculture engaged in by each director be stated in the Annual Meeting Information Statement.

VOTING STOCKHOLDERS Under GreenStone Farm Credit Services Capitalization Bylaws, all borrowers owning Class B stock are eligible to vote. There are 25,673 Association stockholders owning Class B stock and entitled to vote as of December 31, 2025. The record date on which stockholders will be determined entitled to vote is March 31, 2026.

Each voting stockholder shall be entitled to only one vote, regardless of the number of single or joint loans the stockholder may have with the Association. In the case of a joint loan, the vote may be cast by only one of the joint holders duly authorized in writing by the other joint holders. The vote of the stockholder that is a legal entity shall be cast by an individual stockholder of the entity, duly authorized in writing, and filed with the Association.

If a voting stockholder controls the business affairs of another voting stockholder, the controlling stockholder and the controlled stockholder shall be considered as one person and shall be entitled to a total of only one vote. A voting stockholder shall be deemed to control another voting stockholder if the stockholder has, directly or indirectly, more than 50 percent ownership interest in (1) the other stockholder, or (2) the primary collateral securing the other stockholder’s loan. In no event may an individual vote more than once.

VOTING STOCKHOLDER NUMBERS BY REGION

REGION 7 3,368

REGION 1 3,952

REGION 2 3,840

REGION 5 3,812

REGION 6 3,643

REGION 3 3,879 REGION 4 3,179 Stockholders entitled to vote as of 12/31/2025

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GreenStone Farm Credit Services

Nominating Committee

2026 Nominating Committee Thank you to all the 2026 Nominating Committee members for their efforts in procuring qualified candidates to run for the 2026 Board of Directors and 2027 Nominating Committee.

The 2026 Committee reviewed a current list of voting stockholders, information received from interested parties, and conducted director candidate interviews to determine those that are eligible, qualified and would make the best candidates for either the director or nominating committee positions. The Committee members in voting regions 4 and 5 held director candidate interviews in the fall of 2025.

REGION 1 Nathan Clarke Deidre F Iciek REGION 2 Ty Bodeis Grant M Davidson REGION 3 Calby J Garrison Jason A Winter REGION 4

REGION 5 Michelle L Nitengale Matthew R Oesch Ann M Patin Tyler C Wilson REGION 6 Damien D Miller Francis Trierweiler REGION 7 J P Hall Jason J Walechka

Joseph R Dykhuis Scott M Hassle Benjamin D Schilling William V Schultz

2027 Nominating Committee Candidates REGION 1 Nathan Clarke – Corn, soybeans, & wheat Deidre F Iciek – Dairy Jacob T Ostroski – Dairy Benjamin E Ritter – Soybeans Jacob A Terwillegar – Soybeans REGION 2 Ty Bodeis – Corn Grant M Davidson – Corn, soybeans, wheat, dry beans, & beef Kevin N Grifka – Soybeans Brandon Stolicker – Sugar beets, dry beans, soybeans, & wheat REGION 3 Calby J Garrison – Cattle, hay, soybeans, & wheat Matthew A Greiner – Corn, soybeans, wheat, & hay Joseph D Gust – Corn, soybeans, wheat, hay, & showpigs James A Jobst – Chickens & hogs REGION 4 Joseph R Dykhuis – Hogs Scott M Hassle – Corn Benjamin S Schilling – Apples, tomatoes, other fruits, & vegetables William V Schultz – Tree fruit & farm market

Annual Meeting Information Statement 2026

REGION 5 Michelle L Nitengale – Dry beans, corn, & beef Matthew R Oesch – Dairy, corn, & alfalfa Ann M Patin – Beef & grain Tyler C Wilson – Dairy, cash crop, beef cattle, & sugar beets REGION 6 William W E Baese – Dairy Brett Feldpausch – Dairy, corn, alfalfa, & wheat Patrick John Feldpausch – C orn, soybeans, wheat, crop & field management Damien D Miller– Hogs Brett D Roberts – Corn, soybeans, & wheat Francis Trierweiler – Dairy REGION 7 Wayne M Bradley – Dairy David M Dal Santo – Beef & corn Scott Fenendael – Hogs J Patrick Hall – Custom calf raising Adam N Kuczer – Custom hauling Jason J Walechka – Corn, soybeans, & custom hire

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Election Process

Election Process MAY 4, 2026

APRIL 3, 2026

JUNE 24, 2026

Director and nominating candidate ballots mailed to members

2026 Annual Meeting Information Statement sent to members

APRIL

APRIL 20, 2026

2026 Annual Meeting

MAY

Election results mailed to members

JUNE

JUNE 9, 2026

Voting polls close end of the business day

NOMINATION PROCESS

VOTING PROCESS

Each year a regional Nominating Committee selects candidates for open GreenStone Farm Credit Services Board of Director positions utilizing a defined process to identify the most qualified candidates prescribed by the Association Bylaws and FCA regulations. Members of the Nominating Committee must be designated voting stockholders and are elected by the voting stockholders from the pool of all stockholders. A map of the voting regions can be found under Disclosures in this document.

No voting will be conducted at the Annual Meeting. Ballots and voting instructions will be mailed to all voting stockholders on May 4, 2026. Voting for Director and Nominating Committee candidates will be done online or by mail. The election polls will be closed at the end of the 25th business day following the date on which the ballots were mailed to voting stockholders.

FLOOR NOMINATIONS Bylaw 510.3 states that additional nominations may be made from the floor for any open director position at the Annual Meeting. A nominee must provide to the Association, in writing, all disclosures currently required by federal regulations within five business days of the nomination. He or she must be an eligible candidate for the director position for which he or she has been nominated. A list of the required disclosures can be obtained by contacting Cheryl Motz, Senior Executive Assistant to the CEO, at 517-332-9557 or toll free at 800-444-3276; at the East Lansing corporate headquarters, 3515 West Road, East Lansing, Michigan 48823; or by email to cheryl.motz@greenstonefcs.com.

On the first business day after the polls are closed, the independent third party vendor shall report the results of the election to the CEO, who shall send a notice to shareholders within 10 business days after announcing the results of the election.

The independent third party vendor will verify voter eligibility, tabulate the election results and break any ties that result in the final tabulation. If there is a tie vote among candidates, the independent third party vendor will break the tie vote by a flip of a coin. The independent third party will not disclose individual voter information to any other party.

Candidates for the Nominating Committee may also be nominated from the floor.

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GreenStone Farm Credit Services

Director and Nominating Regions DIRECTOR ELECTIONS Director positions in voting regions 4 and 5 are open for election this year.

Elections for directors will be held regionally as director election terms expire on a rotating basis.

The regions were established to obtain a balanced distribution of representation throughout GreenStone’s chartered territory. Stockholders will vote for directors from their region only.

Four member borrowers have been nominated by the Nominating Committee for each region to fill two board of director positions for GreenStone Farm Credit Services. The nominees and their backgrounds are contained in this statement.

For director positions, the two persons receiving the highest number of votes in regions 4 and 5 shall be elected.

NOMINATING COMMITTEE ELECTIONS Bylaw 440.1 states that the voting stockholders shall elect a Nominating Committee consisting of two voting stockholders from each region, plus one additional voting stockholder from that region where a director is to be elected the following year.

The Committee will try to assure representation as nearly as possible to all types of agricultural practices within the area.

For Nominating Committee positions in regions 1, 2, 3, 4, and 5, the two persons receiving the highest number of votes in each region shall be elected. Because directors will be elected in regions 6 and 7 next year, the three persons receiving the highest number of votes in regions 6 and 7 shall be elected to the Nominating Committee. Alternates for Nominating Committee positions will be selected by the next highest number of votes received.

Voting instructions will be printed on each regional ballot for online or mail in voting.

Nominees have been selected for all geographic positions. Regardless of the location, all stockholders will have the option to vote for Nominating Committee members in all seven voting regions.

FUTURE ELECTIONS: SUBMIT YOUR NAME In accordance with FCA regulations and Association bylaws, the Association will hold an election of a least one (1) Director position and the Nominating Committee annually.

Voting stockholders who (i) reside or (ii) have their headquarters located within the Association’s chartered territory (Michigan and Northeast Wisconsin) are eligible to submit their name as a potential candidate for the Board of Directors or the Nominating Committee in the next election cycle by: • Completing a candidate profile form online at www.greenstonefcs.com/governance • Calling 800-444-3276 to speak to our Senior Executive Assistant to the CEO

Annual Meeting Information Statement 2026

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Director Candidates - Region 4 LORI A. DROZD

MATTHEW J. HAMLIN

Allegan County Allegan, Michigan

Allegan County South Haven, Michigan

NOMINEE:

NOMINEE:

Age 57

Age 44

FCS Member for 20 years

FCS Member for 15 years

BUSINESS ADDRESS: 255 M-40S, Allegan, MI 49010

BUSINESS ADDRESS: 6679 111th Avenue, South Haven, MI 49090

YEARS FARMING: 36

YEARS FARMING: 22

FARMING ENTERPRISE: After graduating from Western Michigan University and earning my CPA accreditation, I had the opportunity to work for a CPA firm with a large agricultural client base while co-managing our cash-crop farm.

These experiences allowed me to understand both the producer’s viewpoint and the lender’s perspective—insight that has guided my work throughout my career. After the founder of the firm retired, I continued serving farm and non-farm clients through accounting and consulting practice, helping operations strengthen their financial positions and prepare for key year-end decisions. For the past few years, I have served as Chief Financial Officer of a commercial roofing company in Michigan, gaining leadership experience in a large, diversified business environment. This broadened my understanding of operational management and strategic planning and has impacted how I approach agriculture. Since May 2025, I have returned full-time to our family operation with my husband, Jay, and our two adult children. Together we manage a cash-crop farm, a consulting business, and serve as the third generation representing Pioneer Seed. Our mission is to support the farmers and business owners we work with, helping them strengthen their operations and prepare for long-term success.

FARMING ENTERPRISE: I am a proud fifth generation farmer of a corn, soybean, oats, and rye operation. I also operate a fresh and processed blueberry farm with a fresh pack facility, assist in management of a fresh cucumber farm and pack facility, and operate as a Pioneer Seed sales agency.

EDUCATION: Allegan High School Western Michigan University OTHER AFFILIATIONS:

EDUCATION: South Haven High School Michigan State University OTHER AFFILIATIONS: Member/Chair: Casco Township Board of Review Member/Chair: Casco Township Zoning Board of Appeals Past Member: Casco Township Planning Commission Past Member: Michigan Farm Bureau Young Farmer Committee Past Member: Allegan County Farm Bureau Board REASON FOR RUNNING: I have served on local boards and enjoyed learning about different organizations and how they work to help residents and members. My family has been partners with GreenStone Farm Credit Services my entire life, and I look forward to the opportunity to serve on the Board to make decisions that positively impact GreenStone’s members.

The relationships I have made and the knowledge I have gained throughout my years of involvement has helped me successfully run my own operation, and I feel this would be a great experience.

Board Member: Farm Service Agency Past Board Chair: Allegan Credit Union Member/Treasurer: First Baptist Church of Allegan REASON FOR RUNNING: GreenStone’s cooperative model, commitment to agriculture, and team-centered approach to member relationships are the reasons I have long aspired to serve on the GreenStone Farm Credit Services Board. The unexpected turns in my career path allowed me time to serve on other boards, deepen my leadership experience, and strengthen the skills necessary to contribute effectively to a cooperative board environment. I believe strongly in the resilience of farmers, but also in the need for continued advancement. In today’s global marketplace, producers must be increasingly strategic— combining agronomy knowledge with financial, technological, and operational expertise. GreenStone’s focus on financial strength, portfolio diversity, and member service ensures that our cooperative remains positioned to support farmers through both change and opportunity alike.

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GreenStone Farm Credit Services

Director Candidates

JOEL D. LAYMAN

EDWARD L. REED

Berrien County Sodus, Michigan

Cass County Marcellus, Michigan

NOMINEE:

INCUMBENT:

Age 49

Age 63

FCS Member for 19 years

FCS Member for 33 years Board member for 17 years

BUSINESS ADDRESS: 7850 Lake Road, Berrien Center, MI 49102

BUSINESS ADDRESS: 55150 Miller Road, Marcellus, MI 49067

YEARS FARMING: 19

YEARS FARMING: 34

FARMING ENTERPRISE: I own and operate J.D. Layman Farms Inc., a first-generation operation based in Berrien Center, Mich. We raise 2,200 acres of certified organic row crops, hay, and vegetables, along with conventional fruit production. I own 5L Farms where we raise and market a beef herd and sheep flock. I also own and operate Silver Creek Poultry LLC, a broiler breeder farm contracted to Miller Poultry for raising fertilized hatchery eggs, as well as Sigma Ag Solutions, a center pivot irrigation dealership.

FARMING ENTERPRISE: I run a hog and grain operation with 3,500 sows farrow to finish, marketing 100,000 hogs and 3,000 acres of crops. I am also a stockholder of Clemens Food Group, a pork processing plant in Coldwater, Michigan.

EDUCATION:

OTHER AFFILIATIONS: Producer/Partner: Clemens Food Group Board Member: Michigan Pork Producers Association Board Member: National Pork Producers Council Board Member: Beacon Three Rivers Health Hospital Past Board Member: Farm Credit Foundations Member: Farm Credit Council Advisory Board Member: Institute of Electrical and Electronic Engineers Member: United Methodist Church

Berrien Springs High School Michigan State University OTHER AFFILIATIONS: Founder: Sent to Serve LLC Member: MDARD Soil Health Taskforce Board Member: Grace Christian School Board of Education Board Member: Reclaimed by Grace Thrift Store Past Board Member: Berrien County Farm Bureau Past Member: Berrien Township Board of Review Past Guest Speaker: The University of Michigan EAS 524-Agroecosystem Management Graduate Course, Underground Innovations, Ograin Conference, Albert Lea Seed Winter Conference, Lenawee Center for Excellence, National Press Foundation agriculture journalist bootcamp St. Louis MO, League of Conservation Voters panelist at U.S. Senate, Washington DC. Graduate: Michigan Ag CORE Leadership Program REASON FOR RUNNING: I am running for the GreenStone Board of Directors, first and foremost, because I was asked to serve. I am honored my peers nominated me as a candidate and potential director. I believe my broad experience in agriculture would help me serve GreenStone well in a director’s role. I am experienced in commercial production of fruit, vegetables, grain, hay, livestock, potatoes, and organic production, and have seven years of ag retail experience. I started my farming operation from nothing, so I have a unique perspective on the needs of young and beginning farmers, as well as the needs of established operations, throughout my almost two decades of farming experience.

The Board’s role is to provide guidance and oversight to the organization, as well as ensuring governance and maintaining fiduciary integrity. One of the four board committees is legislative in nature. I have a genuine passion for communicating agriculture to the public, especially to those in government, as agriculture’s voice continues to shrink relative to the voice of the non-farm public. I would work tirelessly on GreenStone’s behalf to communicate the needs of our association, our industry, and perform the core duties of a director with honor and integrity.

Annual Meeting Information Statement 2026

EDUCATION: Marcellus High School Western Michigan University

REASON FOR RUNNING: GreenStone is the premier agricultural lending institution in Michigan and Northeast Wisconsin. Since joining the board in 2008, GreenStone has grown from $4 billion in assets to over $15 billion with $2.7 billion in capital. This exceptional growth is due to GreenStone’s excellent staff and their commitment to members and their families. As a board member and fellow shareholder, it is my responsibility to make sure staff stay in touch with our core business, supporting agriculture and our rural communities. As outside investment companies become more involved in land, this is especially important. In the highly volatile commodities markets we trade in every day, you must have a lender who understands risk management, hedging, and one that stands by you through any season. In serving the agribusiness owners of GreenStone, we must strive to be more efficient, yet personal, and provide consistent, competitive capital to this growing industry.

As past chairman, GreenStone’s Patronage dividend to our shareholders has grown to over $120 million dollars a year for the past three years, with a record-breaking $125 million being returned this March. Returning capital to your operations is efficiency at its best, combining loyalty with fiscal responsibility. American agriculture should be proud to be the most cost-effective, safest, and efficient food producer in the history of the world. I’m proud to share that distinction with you not only as your GreenStone representative, but as a fellow producer. I look forward to utilizing my engineering management skills, as well as my previous experience as chair of the board in facing the present and future challenges of your cooperative.

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Director Candidates - Region 5 DARWIN L. EISENGA

TRENT C. HILDING

Osceola County Marion, Michigan

Montcalm County Edmore, Michigan

NOMINEE:

INCUMBENT:

Age 50

Age 45

FCS Member for 25 years

FCS Member for 16 years Board Member for 4 years

BUSINESS ADDRESS: 6898 20 Mile Road, Marion, MI 49665

BUSINESS ADDRESS: 6824 East Lake Montcalm Road, Edmore, Michigan 48829

YEARS FARMING: 30

YEARS FARMING: 27

FARMING ENTERPRISE: My cash crop operation includes 380 acres potatoes for the fresh market, 180 acres of green beans, 350 acres of black beans, 800 acres of wheat, 400 acres of corn, 500 acres of alfalfa, 200 acres of hay, 100 acres of oats, and 50 acres of rye.

FARMING ENTERPRISE: HILDING FARMS, LLC consists of 2,600 acres of cash crops (corn, soybeans, oats, wheat and alfalfa), 100 cow/calf pairs and a finishing operation of 450 steers. The farm is operated by myself, my wife, our children, and two long-time employees. I also operate TRENT C. HILDING, PLC, which is my agricultural law practice focusing on estate/business farm succession planning, real estate transactions, contracts and probate/trust matters. We work with farmers, landowners and agribusinesses statewide providing legal advice for estates and business operations.

EDUCATION: Northern Michigan Christian School Davenport University OTHER AFFILIATIONS: Committee Member: Michigan Farm Bureau County and State Young Farmer Committee Past Board Member: Falmouth Co-op Board for 7 years Deacon: Highland Christian Reformed Church and Lucas Rehoboth Reformed Church Board Member: Potato Growers of Michigan Committee Member: Michigan State Potato Research Committee REASON FOR RUNNING: I’ve worked with GreenStone Farm Credit Services as long as I’ve been farming and am interested in learning more about the business side of our cooperative. I want to help carry out its mission and serve the cooperative that has been such a big part of my farm’s vitality. I’m at the point in my life where my kids are grown, the farm is humming along, and it’s always been a goal of mine to someday serve on the GreenStone board of directors, and am looking forward to contributing my time and talents.

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EDUCATION: Vestaburg High School Michigan State University Drake University Law School OTHER AFFILIATIONS: Member: Montcalm County Farm Bureau Past Member: Montcalm County 4-H Fair Association Past Board Member: Agricultural Law Section of the State Bar of Michigan Past Committee Member: Michigan Cattlemen’s Association REASON FOR RUNNING: I am currently finishing my first term serving on the board, and it has been an eye-opening experience I am happy to be part of and contribute to. I feel like after one term, I have finally got a full grasp of the board, the committees, and ways that I can contribute. It would be an honor to serve again to continue with the expansion of our finance/technology committee and also throw my hat in at a chance to serve on other committees. I joined the board just in time to participate in the change of our CEO, have witnessed some retirements and replacements of executive staff, and feel like there is more I can do as we rearrange committees with our newest board members and look to protect the cooperative with these tighter times in agriculture.

GreenStone Farm Credit Services

Director Candidates

JOEL L. MIEDEMA

JED A. WELDER

Ottawa County Holland, Michigan

Montcalm County Sheridan, Michigan

NOMINEE:

INCUMBENT:

Age 64

Age 57

FCS Member for 16 years

FCS Member for 16 years Board member for 8 years

BUSINESS ADDRESS: 6731 120th Avenue, Holland, MI 49424

BUSINESS ADDRESS: 5631 Muskrat Road, Sheridan, Michigan 48884

YEARS FARMING: 40

YEARS FARMING: 16

FARMING ENTERPRISE: My farming experience began in 1974 on a small beef operation with my dad and brother, Bob. We had a loan from Federal Land Bank, and to better service the loan we began milking cows in 1977. I attended Michigan State University’s Ag Tech program from 1981 -1982 and learned a lot through the dairy/livestock production classes. While I was there, I also had the opportunity to be a member of the dairy judging team. As a member of the team, we traveled to different universities and developed effective communication skills.

In 1983, I purchased a hog operation in Fremont, Michigan. In 1985 I married my wife Wanda and started working for MACMA, an affiliate company of Michigan Farm Bureau. I worked for the livestock division and was the regional representative for the feeder pig division. In 1991 we moved back to the Holland, Michigan area and continued hog farming on a slightly larger scale. In 1994, we got the opportunity to get into the greenhouse business. We felt it was a great opportunity, and we continued to raise hogs and build the greenhouse business over the next four years, which we transitioned to full-time in 1998. My wife has worked by my side since 1985, and we have continued to expand our greenhouse operation over the last 30 years. I would never have been able to build a business without the support of my wife and children.

FARMING ENTERPRISE: My family and I own and operate Trinity Farms, a sustainable cash crop farm located in Sidney, Montcalm, Fairplains, and Eureka Townships of Montcalm County. We currently farm 1,400 acres of corn, soybeans, wheat, and hay. We also custom harvest for other farmers in our area and perform custom and rental work with a 42foot land roller.

EDUCATION: Greenville Senior High School Central Michigan University U.S. Army Ranger School U.S. Army Officer Advanced Course Combined Arms Staff Course OTHER AFFILIATIONS: Director: Montcalm County Conservation District Trustee: Sidney Township Board Member: Farmer Veteran Coalition, Michigan Chapter Member: Holy Trinity Orthodox Church Trustee: Sheridan Veterans of Foreign Wars

EDUCATION: Unity Christian High School, Michigan State University

REASON FOR RUNNING:

OTHER AFFILIATIONS:

When I first ran for the GreenStone board of directors in 2018, it was to give back to the association that assisted me in getting my start. Since that time, my family’s farm has changed and expanded but one thing has remained consistent - GreenStone’s commitment to supporting farmers and agriculture in Michigan and northeast Wisconsin. My reason for seeking re-election remains the same, to give back to the association that has given so much to both my family and the farms we work with every day. Our co-op’s vision for the future of agriculture and care of its members sets it apart from any other group I have been a part of. It has been both a blessing and a challenge to be a board member. As the chairman of the legislative and public policy committee, I’ve had the opportunity to speak with our elected officials in both Lansing and Washington in support of farmers. I believe that running for re-election to the GreenStone board gives me a chance to leave a lasting, positive impact on an organization that has allowed my family and my farm to prosper.

Board Member: South Olive Christian Reformed Church, Holland MI Board Member: South Olive Christian School, Holland MI Member: Michigan Plant Growers Co-op Member: Georgetown Christian Fellowship Nominating Committee: Farmers Co-op Elevator, Zeeland, MI Notable customers that we have established business relationships with over the years and continue business relations: Frederik Meijer Gardens, Horrocks Farm Markets, Hope College, City of Big Rapids, City of Beaverton, and several other independent garden centers located in Michigan and Northern Indiana.

REASON FOR RUNNING: In 2009, we purchased a second retail greenhouse location. That was when our journey began with GreenStone. My first experience with GreenStone was very positive. I have advocated for GreenStone to many others, including family and friends in the livestock or horticultural industry. As an agricultural lender, GreenStone understands our industry. As we transition our business over to our son, Jordan, and daughter, Christina, I would like to be involved in helping other business owners achieve their goals the same way we have been able to, through hard work, dedication and an organization like GreenStone.

I believe with the roles and experiences I have had over the years, and knowledge I have acquired by learning to listen, share ideas, lead at times and follow at other times, that I have the experience that would allow me to serve the GreenStone board of directors well.

Annual Meeting Information Statement 2026

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Senior Officers

SENIOR OFFICERS The senior officers include: Travis D. Jones Chief Executive Officer Paul E. Anderson Executive Vice President – Chief Credit Officer Kimberly S. Brunner, CPA Executive Vice President – Chief Financial Officer Brett T. Dutcher Executive Vice President – Chief Information Officer Stephen A. Junglas Executive Vice President - Strategic Advisor Peter L. Lemmer Executive Vice President – Chief Legal Counsel Ian G. McGonigal Executive Vice President – Chief Sales and Marketing Officer Angela M. NaDell Executive Vice President – Chief Human Resources Officer Melissa A. Stolicker, CPA, CIA Executive Vice President – Chief Internal Auditor Travis D. Jones was promoted to Chief Executive Officer (CEO) effective August 1, 2022, prior to that he served as Chief Financial Officer since 2007. Paul E. Anderson was promoted to Chief Credit Officer in 2009.

Kimberly S. Brunner was promoted to Chief Financial Officer effective August 1, 2022, prior to that she served as Senior Vice President of Finance and Operations from April 2019 to July 2022. Brett T. Dutcher was promoted to Chief Information Officer effective November 1, 2025, prior to that he served as Senior Vice President of Application Services from March 2025 to October 2025, Vice President of Application Services from April 2024 to March 2025, and prior to that Vice President of Enterprise Architecture from October 2020 to March 2024. Stephen A. Junglas retired in February 2026. He served as Strategic Advisor from November 2025 to February 2026, and prior to that Chief Information Officer since 2012. Peter L. Lemmer was hired as Chief Legal Counsel in 2008. Ian G. McGonigal was promoted to Chief Sales and Marketing Officer effective October 1, 2022, prior to that he served as Chief Regional Sales Officer from March 2021 to October 2022 and as Senior Vice President of Regional Sales from 2014 to 2021. Angela M. NaDell was hired in her position as Chief Human Resources Officer in March 2024, prior to that she was Chief People Officer for Southern Michigan Bank and Trust from December 2021 to March 2024 and in a variety of human resource positions, including Executive Director of People and Culture for Consumers Energy, from June 2013 to September 2021. Melissa A. Stolicker has been in her position as Chief Internal Auditor since 2004.

Other business interests where a senior officer served as a board of director or senior officer include: Travis D. Jones serves as a board member and Treasurer for the Michigan Livestock Exhibition (non-profit to generate funding for youth scholarships through annual livestock shows and auctions).

Paul E. Anderson is a managing member of E&E Anderson Legacy Farm, LLC (land holding company, family farm).

Kimberly S. Brunner serves as a member of the Farm Credit Foundations Trust Committee (committee which serves as the fiduciary for the benefit plans and trust assets and oversees the administration of the plans for Farm Credit Foundations in St. Paul, Minnesota).

Peter L. Lemmer serves as a board member for the West Michigan Food Processing Association (non-profit that supports agricultural supply chain initiatives).

Ian G. McGonigal serves as the board chair for ProPartners Financial (provides producer financing through agribusinesses that sell crop inputs).

in the lives of young people by developing their potential for premium leadership, personal growth, and career success through agricultural education). She also serves as the board vice chair for Aware Shelter (non-profit that supports survivors of domestic violence in Jackson, Michigan). In addition, she serves as an advisory board member for Jackson Salvation Army (non-profit providing resources to those in need without discrimination).

Melissa A. Stolicker serves as a board member of both Delta Dental of Michigan (dental insurance plan administrator) and Renaissance Health Services Corporation (insurance plan administrator).

COMPENSATION RISK MANAGEMENT: The design and governance of GreenStone’s CEO and senior officer compensation program is consistent with the highest standards of risk management and provides total compensation that promotes our mission to ensure a safe, sound, and dependable source of credit and related services for agriculture and rural America. GreenStone’s compensation programs are market-based and designed to provide a competitive total rewards package that will enable us to attract and retain highly qualified officers with the requisite expertise and skills while achieving desired business results aligned with the best interests of our shareholders. The design of the CEO and senior officers compensation program supports our risk management goals through a set of checks and balances, including (1) a balanced mix of base and variable pay, (2) a balanced use of performance measures that are risk-adjusted where appropriate, and (3) a pay-for-performance process that allocates individual awards based on both results and how those results were achieved.

ELEMENTS OF COMPENSATION: The CEO and senior officers are compensated with a mix of salary and incentive compensation and retirement plans generally available to all employees. GreenStone’s Board of Directors determines the appropriate balance of base salary and short-term incentive compensation while keeping in mind their responsibilities to our shareholders. Base salary and short-term incentives are intended to be competitive with annual compensation for comparable positions at peer organizations.

BASE SALARY: Base salaries for all employees, including the CEO and senior officers, are determined based upon position, experience and responsibilities, performance, and market-based compensation data. The CEO base salary is reviewed and approved by the Board of Directors. Senior officer base salaries are reviewed and approved by the CEO subject to the terms of the compensation program approved by the Compensation Committee of GreenStone’s Board of Directors.

SHORT-TERM INCENTIVES: CEO and senior officer incentives are paid annually based on performance criteria established by the Compensation Committee of GreenStone’s Board of Directors. The criteria related to the overall Association’s performance versus budget and pre-determined targets include return on assets, loan growth, net operating rate, customer satisfaction survey results, credit quality, and capital. Additionally, performance criteria related to personal performance may include attainment of personal objectives and overall job performance. The incentives are calculated after the end of the plan year (the plan year is the calendar year). The incentives are paid out within 90 days of year end.

RETIREMENT PLANS: We have various post-employment benefit plans which are generally available to all Association employees, including the CEO and senior officers, based on continuous dates of service with the Association or, in certain situations, with other participating District employers. These plans are not otherwise differentiated by position, unless specifically stated.

Information regarding the post-employment benefit plans is included in Notes 2 and 9 of our 2025 Annual Report.

OTHER COMPONENTS OF COMPENSATION: Additionally, compensation associated with any group term life insurance premiums, disability insurance premiums, other project based incentives, or other taxable reimbursements may be made available to the CEO and senior officers based on job criteria or similar plans available to all employees.

Angela M. NaDell serves as an industry representative board member for Michigan FFA Association (dedicated to making a positive difference

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GreenStone Farm Credit Services

Senior Officers Compensation

COMPENSATION TO THE CEO AND SENIOR OFFICERS (IN THOUSANDS):

Year

Salary

Short-Term Incentive

Change in Pension Value

Other/ Perquisites

Total

Travis D. Jones, CEO

2025

$887

$541

N/A

1

$130

$1,558

Travis D. Jones, CEO

2024

768

460

N/A1

119

1,347

Travis D. Jones, CEO

2023

729

466

N/A1

107

1,302

Aggregate Number of Senior Officers, excluding CEO

Year

Salary

Short-Term Incentive

Change in Pension Value

Other/ Perquisites

Total

Eight2

2025

$2,964

$1,263

$481

$357

$5,065

Eight3

2024

2,642

1,087

239

245

4,213

Seven

2023

2,490

1,114

855

189

4,648

Name of Individual

1

Not applicable since he is not eligible for the pension plan.

2

Includes a full year of compensation for one individual that became a senior officer in November 2025 Includes compensation for one individual that retired in April 2024 and compensation for one individual that was hired as a senior officer in March 2024.

3

The Farm Credit Administration (FCA) Regulations require the disclosure of the total compensation paid during the last fiscal year to all senior officers included in the above table be available and disclosed to our members upon request.

The change in value of pension benefits is defined as the change in the vested portion of the present value of the accumulated benefit obligation from December 31 of the prior year to December 31 of the most recent year for the District-wide Pension Plan and the Pension Restoration Plan, as applicable, as disclosed in Notes 2 and 9 of our 2025 Annual Report. The change in value does not represent cash payments made by the Association during the year, but rather is an estimate of the change in the Association’s future obligations under the pension plans. The change in value is highly sensitive to discount rates used to value the plan liabilities to participants. Generally, pension benefits increase annually as a result of an additional year of credited service and related compensation for plan participants. The value of the pension benefits can also be significantly impacted by changes in interest rates as of the measurement date.

The amount in the “Other/Perquisites” category in the preceding table primarily includes: • Employer match on defined contribution plans available to all employees.

• Employer match on District-wide Nonqualified Deferred Compensation Plan available to the CEO and other employees meeting certain eligibility criteria.

• Relocation reimbursement paid to one senior officer during 2025.

• Payment for certain other expenses, such as life insurance benefits and long-term disability insurance benefits.

• Payment of unused vacation for one retiree during 2024.

No tax reimbursements are made to the CEO or senior officers.

PENSION BENEFITS ATTRIBUTABLE TO SENIOR OFFICERS AS OF DECEMBER 31, 2025 (DOLLARS IN THOUSANDS): Average Years of Credited Service

Present Value of Accumulated Benefits

Payments Made During the Reporting Period

AgriBank District Retirement Plan

28.5

$4,823

$—

AgriBank District Pension Restoration Plan

28.5

1,861

—

Aggregate Number of Senior Officers, excluding CEO

Plan

Four Four

The change in composition of the aggregate number of senior officers can have a significant impact on the calculation of the accumulated pension benefits.

Effective January 1, 2007, the AgriBank District Retirement Plan was closed to new employees. Therefore, any employee starting employment at an Association within the AgriBank District after that date is not eligible to be in the plan.

The AgriBank District Pension Restoration Plan restores retirement benefits to certain highly compensated employees that would have been provided under the qualified plan if such benefits were not above certain Internal Revenue Code limits. Not all senior officers or highly compensated employees are eligible to participate in this plan.

Annual Meeting Information Statement 2026

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Additional Disclosures

Additional Disclosures INDEPENDENT PUBLIC ACCOUNTANT GreenStone Farm Credit Services engaged PricewaterhouseCoopers as their independent public accountant for services including the audit of financial statements. There has been no change in the independent public accountant since the last Annual Report to stockholders and there are no disagreements with PricewaterhouseCoopers.

ANNUAL REPORT The 2025 Annual Report for GreenStone Farm Credit Services contains financial statements and additional information to be provided to stockholders and is incorporated herein by reference.

For a listing and background information on current GreenStone Farm Credit Services’ senior officers, see the Senior Officers section in this document. To obtain a full copy of the 2025 Annual Report, please write to Kimberly Brunner, CFO, GreenStone Farm Credit Services, 3515 West Road, East Lansing, Michigan 48823 or by email to kim.brunner@greenstonefcs.com.

MEETING ATTENDANCE There were no directors attending fewer than 75 percent of required board and committee meetings on which he or she served during the last fiscal year.

GreenStone Farm Credit Services, ACA 2026 ANNUAL MEETING INFORMATION STATEMENT The undersigned certify that they have reviewed this report and that this report has been prepared in accordance with all applicable statutory or regulatory requirements and the information contained herein is true, accurate, and complete to the best of our knowledge and belief.

Peter C. Maxwell Chair of the Board GreenStone Farm Credit Services, ACA

Travis D. Jones Chief Executive Officer GreenStone Farm Credit Services, ACA

Kimberly S. Brunner Executive Vice President – Chief Financial Officer GreenStone Farm Credit Services, ACA March 5, 2026

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GreenStone Farm Credit Services

Future Elections

Future Elections–Getting Involved FUTURE ELECTIONS – GETTING INVOLVED As a cooperative we are focused on our members’ success – the members are also owners and in a cooperative they are given a voice through their role in governance. Achieving sound governance takes work, and it starts with customer engagement through customer communications, relationships, and the association’s Nominating Committee.

WANT TO GET INVOLVED? The newly elected Nominating Committee members for Regions 6 and 7 will gather to determine candidates to run for the two open director positions in each region as well as Nominating Committee positions for the following year in August.

The balance of the regions gather to obtain candidates to run for the following year’s Nominating Committee in December.

One of the easiest but most important ways members can get involved is voting in the upcoming director elections. Members of the Board of Directors are your representatives in how the Association operates, so when your ballot arrives, please vote for the highly qualified candidates profiled in this Annual Meeting Information Statement. All voting stockholders will have a ballot containing the Nominating Committee candidates for the entire territory on their ballot. Regions 4 and 5 voting stockholders will have director candidates to vote for this year.

Voting is one way for your voice in cooperative governance to be heard.

To learn more about the roles and responsibilities of the GreenStone Board of Directors and Nominating Committee, go to www.greenstonefcs.com/governance. To be eligible for a director or Nominating Committee position, you must be a voting stockholder who (i) resides or (ii) has your headquarters located within the Association’s chartered territory (Michigan and Wisconsin).

If you are interested in submitting your name as a potential candidate for the Board of Directors or the Nominating Committee in the next election cycle:

Scan the QR code to complete a candidate profile form or go online to www.greenstonefcs.com/governance For more info call 800-968-0061 for our Senior Executive Assistant to the CEO

7

1

5

2

Regions 6 & 7 will have open board seats next year.

6 4

Annual Meeting Information Statement 2026

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