CROP LOANS AND CROP INSURANCE

Table of Contents

• Who are we?

• What do we do?

• How can we help producers?

• What is our mission?

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Who we areARM is a specialty finance company focused on bringing financial and

risk management solutions to agribusiness.

Our Vision: To offer value driven financial products, services, and sales solutions to the US farmgate

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Agricultural Loans Crop Insurance

Agrifund

What we do

Capital Bridge provides pre-season financing of crop inputs allowing producers to take advantage of early season discounts offered in the fall

Ag-Vest arranged in partnership with distributors, who market the program to generate sales of seed inputs by providing a limited guarantee of the loan

Grain Storage offered to producers on contracted value of stored grain as an alternative to placing stored crop in the government commodity loan program.

Fall Ag-Input secured lines of credit to finance the growth of winter wheat. Offered in conjunction with distributors who provide inputs to the farmer on terms.

Ag-Input structured as secured lines of credit for the purpose of financing the growing of crops. Offered in conjunction with distributors who provide inputs to the farmer on terms.

All-In like the Ag-Input loan except no participation by the distributor, leaving the farmer the flexibility to purchase inputs from any distributor.

Ag-Pro provides credit for financing of growing crops by funding inputs for the coming year. Specifically designed for more mature and stable operations.

Fall Loans

Spring Loans

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How we can help producers

1. Creative Solutionsa) Modeling of Cash Flow and Risk Exposureb) Integration with Budgeting, Crop Insurance, Marketing, and 3rd Party Creditc) Loan structuring focused on the crop itselfd) Concise reporting and documentation

2. Rapid Turnarounda) 1-3 day target decisionsb) Expertise in crop insurance and crop input lendingc) Immediate funding upon approval

3. Risk Management a) Focused and accountable employee resources that work for youb) Optimization of crop mix and crop insurance alternativesc) Technology and process-based to support scale

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Our mission isARM Locations

ARM’s Mission:

To deliver shareholder,

customer, and employee value by bringing financial

solutions to agriculture in a way

that embodies partnering, integrity,

and creativity.

ARM Agency Acquisitions

ARM Partnerships

ARM Products

ARM 2.0

Enhance Current MarketsContinue Geographic Expansion

Build National brand – “connect the dots”

Compelling Value PropositionSignificant Acquisition Pipeline

Drive Cross-Sale of Loan Products

Drive value to partners through serving customersSolidify relationships with key referral sources

Create opportunity where none exists

Use innovation to create opportunityGain customer wallet-share by solving problems

Hedging, Private Insurance Products, etc.

Access to growth capitalOngoing investment in systems

Enhance Senior Leadership Team

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Location Growth MapLocation Growth Map

FARMER FRIENDLY SALES SOLUTIONS

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