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Farm Credit

Financing Rural America for More Than 95 Years

We know ag from the inside

Enter for a Chance to Win a Gator XUV 550 Crossover Utility Vehicle (at our annual stockholder meetings–Page 12)

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farm | land

4 Mary Jane Roop of Thurmont, Maryland, balances farm and finance

6 Stuart Cooper doesn’t mind working weekends in Worcester County, Maryland

8 Dave Stutzman is passionate about farm life in Kutztown, Pennsylvania

10 Winchester, Virginia offers the best of both worlds for Jamie Whitacre

your association

12 Annual Meeting overview

community

13 Properties for sale

Leadervolume 17 | issue 1

MidAtlantic Farm Credit, ACAJ. Robert Frazee, CEO

MidAtlantic Farm Credit Board of Directors

Gary L. Grossnickle Chairman

Fred N. West Vice Chairman

Paul D. BaumgardnerDeborah A. BennerBrian L. BoydDale R. HersheyWalter C. HopkinsT. Jeffery JenningsChristopher KurtzmanM. Wayne LambertsonFred R. Moore, Jr.Dale J. OckelsJennifer L. RhodesRalph L. Robertson, Jr.Paul J. RockLingan T. SpicerChristopher R. StilesRodger L. Wagner

Questions or Ideas If you have any questions or ideas for the editorial staff of the Leader, contact Donna Dawson at 800.333.7950, e-mail her at ddawson@mafc.com or write her at MidAtlantic Farm Credit, 680 Robert Fulton Highway, Quarryville, PA 17566. This publication is for you, our reader. We’d love to hear from you!

The Leader is published quarterly for stockholders, friends and business associates.If you wish to no longer receive this publication, please email: unsubscribe@mafc.com and by putting “Unsubscribe Leader” in the subject.

The Farm Credit Administration does not require the association to distribute its quarterly financial reports to shareholders. However, copies of its complete report are available upon request or see quarterly updates online at mafc.com. The share-holders’ investment in the association is materially affected by the financial condition and results of operations of AgFirst Farm Credit Bank and copies of its quarterly financial report are available upon request by writing: Susanne Caughman, AgFirst Farm Credit Bank P.O. Box 1499, Columbia, SC 29202-1499Address changes, questions or requests for the association’s quarterly financial report should be directed to: MidAtlantic Farm Credit, ACA by calling 800.333.7950 or writing: MidAtlantic Farm Credit 45 Aileron Court, Westminster MD 21157

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www.midatlanticfarmcredit.blogspot.com

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Farm Credit, she took a 16-year maternity leave!) Or Stuart Cooper, an area manager in our DelMarVa region, who farms with his brother in Worcester County, Maryland. The two brothers raise corn, soybeans, wheat, and a little sweet corn for their friends and family (and their co-workers, if it’s a good year!)

I think you’ll enjoy reading about Dave Stutzman, a loan officer in our Penn region, who raises grass-fed beef and other livestock with his wife, Joy. Dave began working for Farm Credit immediately after he graduated from college—and he is still as enthusiastic about his job today as he was 30 years ago. Finally, you’ll read about Jamie Whitacre, a loan officer in our Winchester office, who bought 25 acres about 12 years ago, and now leases 65 more. He raises cattle, and makes hay, all while juggling his time as a loan officer during the week.

As you can see, it’s hard to draw a line between the weekend jobs and the week-day jobs for many of our staff members. Having first-hand knowledge in agricul-ture—whether they’re currently on a farm, or simply grew up on one—definitely gives our employees an insider’s advantage when it comes to working with our borrowers.

I’m so proud of all of our employees here at MidAtlantic—the ones who currently farm, the ones who grew up farming, and the ones who simply love to work with farmers, and help them build a successful operation. If you’re not working with us right now, I hope you’ll give us a call, and see what makes working with Farm Credit so different from other lenders!

Last year at this time, we were talking about our upcoming annual meetings, and our 2011 theme of “Walking the Talk”. This year’s meetings are coming soon (see page 12 for more details), and we have a great new theme (Opening Doors for 95 Years, a nod to our longevity and unwav-ering commitment to agriculture). But that doesn’t mean that we aren’t still walking the talk, too!

We often say that Farm Credit is a differ-ent kind of lender. We’re different for a lot of reasons—our cooperative structure, which means that we’re led by a board of directors comprised almost entirely of fellow member borrowers; our patron-age program, which commits to sharing our profits with our borrowers; and our GSE mission, which ensures that we will continue to be here for agriculture, in good times and in bad times.

But one of the biggest things that sets us apart isn’t something that is required by our charter or our structure. It’s our people. Our staff truly sets us apart from our competi-tion—serving agriculture is more than just a job to a lot of us, it’s our birthright.

That’s why, in this issue, we decided to focus on some of our employees who work with farmers during the day, and as a farmer at night and on weekends. These are people who don’t just take their work home with them—they live their work! Like Mary Jane Roop, a loan officer in our Frederick, Maryland office, who works on her family’s 100-year old farm during the weekends, and who writes loans during the week. She’s been with us for 12 years—first in 1983, and then again in 2004 (between her stints at

MAR event place

15 DEADLINE: Sales closing for corn, soybeans, AGR lite, etc

17 Farm Family Appreciation Celebration Hamburg PA

17 Wicomico County Farm Bureau Dinner Sharptown MD

17-18 Delaware Horse Expo Harrington DE

17-18 Frederick County Builders Assn Home Show Frederick MD

18 The Foxhall Farm Trophy Chase Glyndon MD

24-25 Delaware Home Show Dover DE

29 PennAg Annual Meeting and Banquet York PA

31 Greenspring Valley Point-to-Point Cockeysville MD

APR event place

1 Marlborough Hunt Races Davidsonville MD

2 Annual Stockholder Meeting Salisbury MD New location—Wicomico Civic Center

3 Annual Stockholder Meeting Dover DE

3 West Virginia Young Farmers Institute Weston WV

4 Annual Stockholder Meeting New Holland PA

7 Elkridge-Harford Hunt Point-to-Point Monkton MD

10 Annual Stockholder Meeting Walkersville MD

11 Annual Stockholder Meeting Winchester VA

14 My Lady’s Manor Monkton MD

20-22 Virginia Beef Expo Harrisonburg VA

21 Maryland Grand National Butler MD

29 Maryland Junior Hunt Cup Cockeysville MD

30 DEADLINE: Spring production deadline

MAY event place

5 Howard County Cup Race Meet Brookeville MD

5-6 Maryland Sheep and Wool Festival Hagerstown MD

16 Martinsburg-Berkeley County Chamber Mixer Martinsburg WV

20 Potomac Hunt Races Seneca MD

28 Memorial Day MAFC offices closed

For a complete list of fairs and events, visit our website at mafc.com

Still Walking the Talk

message from the president

Good things happen when farm and finance meetstory and photos by SUSAN WALKER

A LOT OF PEOPLE’S JOBS CALL FOR THEM TO WEAR MANy HATS, BuT MiDATLANTiC FARM CREDiT (MAFC) LOAN OFFiCER MARy JANE ROOP’S WORKiNG LivES CALL FOR COMPLETELy DiFFERENT WARDROBES. WHEN MARy JANE iS NOT MEETiNG WiTH MAFC CLiENTS AT THE FREDERiCK OFFiCE, yOu’LL FiND HER WORKiNG WiTH HER HuSBAND SAM ON HER FAMiLy’S FARM iN THuRMONT, MARyLAND.

“Being a loan officer for MidAtlantic Farm Credit lets me use my knowledge and experience as a farmer to help my clients,” says Mary Jane. “I understand the trials and challenges that agriculture can present. I know that farming is hard work and requires real dedication. There is no more honest way to make a living than farming and I’m glad to be able to help my community in my role as loan officer.”

Mary Jane has been a MAFC loan officer for 12 years. She first joined the organization in 1983 and worked in the Frederick office until the birth of her daughter in 1988. She then took what she jokingly calls a “16-year maternity leave,” during which Lauren and Jake joined big sister Julie. Mary Jane rejoined MidAtlantic Farm Credit in 2004 and has served as a loan officer working with farmers across Frederick County since her return.

“I really enjoy my job,” Mary Jane explains. “The people I work with are great, especially my managers Jim Aird and John Stump. And work is never dull. No two days are alike. I could be in the office developing a loan package or sitting at the kitchen table on a client’s farm discussing their needs and helping them figure out how to finance their dreams and goals. I strive to provide my clients with the best, most convenient service. That’s one reason why I meet with them at their farms. Then they don’t have to take time away from work. They can come right in from the barn in their overalls and deal with financial matters.”

a lifelong love of farmingMary Jane grew up on Brookfield Farm in Thurmont, which has been in her family for more than 100 years. Until 2004 4

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1 Though they no longer have a

dairy operation, Mary Jane’s husband Sam keeps the buildings used by her parents for that operation in tiptop shape. “Sam is meticulous in his care of the farm and equipment,” she says.

2 Mary Jane’s office in Frederick is

about 15 minutes from the farm, which makes splitting her time between her two jobs a bit easier.

3 Every member of the Roop family

uses their talents on the family’s farm. Left to right: Jake, Julie, Mary Jane, Sam, and Lauren. (Photo credit: Shelley Funk)

4 With the Catoctin Mountains in the

distance, the vista from Mary Jane’s farm is similar to the one her ancestors could see more than 100 years ago.

5 In 2010, Mary Jane’s parents

Mehrle and Thelma Ramsburg were honored as the 39th family inducted into the Maryland Agriculture Hall of Fame.

opening the farm to the communityThe farm also includes a very popular agritourism operation. When their children were young, Mary Jane and Sam were looking for a family project that would allow the kids to get involved with agriculture. They decided to start a pick-your-own-pumpkin patch and in 1996 they opened the farm and Brookfield Pumpkins to visitors. The first year, they grew an acre of pumpkins. Today, the patch covers a full 13 acres. Daughter Julie works at the patch most weekends and handles marketing and social media. While Lauren, who is a mission-ary in Germany, can’t be at the patch to lend a hand, she does create many of the artistic displays on view there.

The operation also includes a petting zoo and a unique six-acre Corn Maze for the Cure, designed and cut by son Jake, who is now in college. Mary Jane is a breast cancer survivor and wanted to do something to give back to the friends, family, and community members who supported her. Every year, the family donates 50 percent of the proceeds from the maze to an organization that supports women with breast cancer.

“We get such wonderful positive feedback from the people who visit the pumpkin patch,” says Mary Jane. “They thank us for opening the farm and allowing them and their children to see agriculture in progress and get a connection to the land that fewer and fewer people have. Many of them come every year from as far away as Virginia.”

She adds, “I’m fortunate to be able to do two jobs that allow me to be actively involved in the farm community. Agriculture has always had and will always have its chal-lenges and farmers have always risen to those challenges. As a member of the MidAtlantic Farm Credit team, I have the chance to help farmers achieve their goals. As a farmer, I get to be part of a tight-knit, supportive community of people who do all they can to provide the food we all rely on. I couldn’t ask for more.” n

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her family, the Ramsburgs, had a dairy operation and milked 300 cows. “Our family has been farming for as long as anyone can remember,” she adds. “In my mother’s family, five of the six children farmed in Frederick County. My father and one of his two sisters farmed. In our family, you’re either a farmer, a nurse, or a teacher.”

Mary Jane and her three sisters all worked on the family farm growing up, but it was Mary Jane who had the real passion for agriculture and is the only one who still farms today. When her children were young, she would get up at two o’clock every morning to milk for her dad, then put the kids on the school bus and grab a nap. Her oldest daughter Julie shares that passion. She is the coordinator of the Young Farmers and Ranchers Program at American Farm Bureau Federation in Washington, DC and is engaged to a dairy farmer.

Mary Jane’s husband Sam was also raised in a farming family. He worked on his parents’ farm until the late 1980s, then worked for Willard Agri-Service as an applicator and assistant plant manager. Today, he and Mary Jane run her family farm. They switched to a grain operation in 2004 and have 650 acres under cultivation. They produce hay, corn, wheat, and soybeans, some of which is sold locally. The majority they forward contract and sell to local grain elevators and to Perdue for feed. “I saw an opportunity to come back to the farm and do something I really love and to put into practice everything I had learned working for Willard and at other agriculture-related jobs,” says Sam.

Mary Jane and Sam have put a number of soil conservation practices into place. In addition, their farm is 100 percent no till, which not only lowers production costs, but also helps prevent erosion and nutrient loss and protects the soil structure. The farm was placed in agricultural preservation in 2010.

“Agricultural preservation protects the land for future generations and it’s also a wise estate planning tool that will benefit my parents and our family,” explains Mary Jane. “This is just one example of how the knowledge I’ve gained working for MidAtlantic aids our farm operation.”

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This weekend farmer doesn’t mind bringing his work homestory and photos by NANCY SMITH

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1 Stuart (left) and his brother

William both are employed full-time off the farm. They enjoy farming “after hours” and on weekends. They don’t shy away from tackling tough jobs and always look for ways to make improvements at small costs.

2 Chester, a mule, and Wade, a

quarter horse, demand attention and food on the farm. Stuart and his wife, Beth, used to have more mules but now Chester is the lone mule and enjoys sharing the farm with Wade!

3 Tillage radishes are the newest

crop on the farm. Both the roots and greens are tasty and the plant helps break up the soil. This is important in no-till farm operations.

4 The Cooper farm is located along the

St. Martin’s River which makes it well situated for boating and fishing when time allows. The farm has been in the family for more than 100 years.

5 Stuart and his wife, Beth, have

been married for 11 years. They enjoy taking the ATV out for jaunts around the farm. Beth is an accomplished artist and several of her art pieces decorate their home.

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STuART COOPER’S ROOTS iN WORCESTER COuNTy MARyLAND GO DEEP. THEy ExTEND BACK MORE THAN A CENTuRy TO HiS GREAT-GRANDFATHER’S PuRCHASE OF THE FARM THAT STuART AND HiS FAMiLy WORK TO THiS DAy. SiNCE THAT GENERA-TiONS’ ORiGiNAL PuRCHASE, STuART’S FAMiLy HAS BEEN A STEWARD OF THE LAND.

“My grandmother got started in the chicken business in the 1940s,” he says. “And my father was a part-time grain farmer and took over the poultry operation full-time in the 1980’s.”

Stuart, who is the area lending manager in MAFC’s Salisbury, Maryland office, recalls his own childhood farming experiences as the fourth generation on the land. “I remember at six or seven, I drove a tractor alongside my father and grandfather,” he says. Today, Stuart and his brother William carry on the family tradition of farming and own and operate Cooper Brothers Farms.

growing up countryEven as a young man, Stuart showed a penchant for business. A true child of the Delmarva Peninsula, Stuart trapped and sold muskrats on the farm, using the proceeds to buy a boat and motor. This allowed him to obtain a commercial crab license which he got at age 13. He fondly recalls his grandmother preparing meals of eel, snapping turtle, muskrat, venison and other Delmarva delicacies that he and his brother harvested. “We all provided for the family,” he says. “We learned early that it took work to put food on the table.”

Today, Stuart still maintains a commercial fishing license and occasionally sets a net in the St. Martin’s River that flows past his family’s farm.

That childhood work ethic has served him well. Now responsible for overseeing Farm Credit opera-tions for five counties in Maryland and Virginia, Stuart credits a lot of his success to personal connections as well as hard work. “When I started, I knew a lot of young farmers. I just went out and established rapport. To this day, they are some of my closest relationships,” he says.

When farmers come into the office to discuss credit needs, Stuart believes his background is indispensable. “I understand what farmers do. When they talk about drought, input costs per acre, yields…I can relate to them and know what they are talking about.”

He also understands the credit industry and the responsibilities of management. Before joining Farm Credit in 1995, Stuart had been a management trainee in a commercial bank. But his management experience is even deeper, as he spent 10 years managing a hotel in nearby Ocean City, Maryland.

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ndyou can take the kid out of the farm…Despite the foray into property management, Stuart has always been connected to the soil and to Farm Credit. “At age 19 or 20, I went to get a loan for a piece of equipment. I understood early what it meant to borrow money to improve your business,” he says.

Stuart enjoys his job, but still likes to spend as much time in the field as possible. Luckily, getting out from behind the desk is easy in his position. “At Farm Credit, we actually go out and meet the customer,” he says. “I know how hard it can be to find time for a meeting—so I’m happy to go to see my customers. We offer competitive rates and products, but service is what really sets Farm Credit apart.”

When he is not in the field meeting with borrowers or behind his desk, Stuart lives on the farm with his wife Beth and next to the family homes of his parents, his brother William, and sister Andrea. Stuart jokingly states, “Living this close to family has its advantages, along with a few challenges. But I wouldn’t change a thing.”

Stuart and William are considered part-time farmers as both hold off-farm jobs. They farm after office hours and on weekends, growing corn, soybeans, wheat and a little sweet corn for family, friends, and church members. “For me, my farming is a stress reliever,” Stuart says, “I can get on a tractor and get my mind in a different place.”

He hopes to continue farming for at least another 20 years and wants to ensure that the farm will continue to be successful. “We put money back into the farm for buildings, equipment, repairs, and maintenance. The farm operation allows us to maintain the lane,” he said, referring to the lengthy oyster-shell-spread road that serves as the farm’s driveway and which carries the family’s name.

hard work pays offStuart and William do not shy away from tackling tough jobs and currently are working on the second prototype of a vertical tillage tool constructed with old equipment and ingenuity. Stuart esti-mates that a new one would cost about $40,000; their first proto-type, made from three old 1970s planters, cost about $1,000. “We always try to find ways to improve at small cost,” he says.

Farming may be a part-time activity for Stuart, but he brings total commitment to it, working to optimize profit. He appreci-ates the farming tips he gets from borrowers. “I try to listen to customers and try to put their best practices to use on my farm,” he says. The latest idea came from a Virginia potato farmer who is planting tillage radishes to break up the soil and to improve soil health. “As a small farmer, increasing net income per acre is the key,” he says.

Successful farming ideas are a two-way street for Stuart. “I want people to be successful,” he says. “If I can help them be more productive in what I do here at Farm Credit, that’s what I want to try to do.”

With roots as deep as Stuart’s, he is on Delmarva to stay. “I love living on the shore,” he says. “We call it God’s country, and I think it is. I feel very lucky to live here and be able to do what I love.” n

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Pasture’s Pride Natural Meats: a family’s passion for the farm lifestory and photos by KATE ALDRICH

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THiS COMiNG JuNE, DAvE STuTzMAN WiLL CELEBRATE 30 yEARS WiTH MiDATLANTiC FARM CREDiT, A PLACE HE HAS THOROuGHLy ENJOyED WORKiNG SiNCE HiS GRADuATiON FROM KANSAS STATE uNivERSiTy.

After graduation, Dave returned home to his family farm so that he could pack up his things and return to Kansas. He had sent out a few resumes in his home-town area, but he didn’t expect much to come of them.

Dave was only home for two weeks. But during that time, he was offered a job with Farm Credit. He’s been there ever since.

A lot has happened in those three decades: Dave married his wife Joy, and together they raised their three children who are now all out of the house. In 1994, Dave and Joy decided to purchase the farm he grew up on, near Crystal Cave in Kutztown, Pennsylvania, from his parents.

Soon Dave and Joy were moving their three small children back to the very house where Dave grew up. Today, Joy laughs that she never thought she was marry-ing a farmer. After all, Dave’s degree was in Agricultural Economics and he was working as a loan officer.

However, living on the farm again fed Dave’s need for working outside and being an entrepreneur. The farm had been a dairy farm when his parents owned it, and its 110 acres grew a wide variety of crops. But working with crops and machinery is not where Dave feels most gifted. So he and Joy decided to focus on growing beef cattle and other livestock. Today the family raises grass-fed cattle for beef, selling all of their production direct to customers as freshly processed frozen meat. Over the years they, along with their chil-dren, have also raised pork, chicken, lamb and turkey.

a farm of distinctionDave and Joy are passionate about their grass-fed beef. At their farm, Pasture’s Pride Natural Meats, the animals are not given growth hormones or antibiotics, and they’re raised naturally on high quality pastures. Running their grass fed livestock farm is a low cost, low labor system that allows Dave to continue his passion for farming as well as working full-time for Farm Credit.

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1 Dave and Joy will celebrate

their 28th wedding anniversary this year. With their three children having moved out, they enjoy their time with each other and their loyal Labrador, Brandy.

2 The Black Angus and recently

introduced Red Devon cattle are fed a variety of different grass allowing for the Stutzmans to raise and sell a nicely “marbled” portion of beef.

3 Dave and Joy feel the farm was a

great place to raise their three children. When they return home for a visit, they enjoy helping out with farm chores like they used to do.

4 The beautiful 1849 stone house

was originally two separate buildings. Dave and Joy connected the two buildings, adding their own touches to the home where Dave spent his childhood.

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Dave and Joy each work an average of six to eight hours a

week on the farm. Dave spends most of his farm time maintain-

ing the pastures where the cattle graze, as well as shifting the

cattle from pasture to pasture. Joy works with the customers on

everything from selecting what cuts of meat they want to meet-

ing them for their scheduled pick-ups. She also handles all of

the marketing for the farm, a task which she has come to greatly

enjoy. Together they sell between 30-35 cows a year and 20 pigs.

Dave understands the challenges that his Farm Credit borrowers face since he faces them himself. Too wet or too dry conditions greatly affect the pastures and their cattle’s source of nutrition. Dave combats that through planning and inten-sive grazing management practices. Purchasing grass-fed beef is thought to have significant health benefits that customers throughout Eastern Pennsylvania and New Jersey are looking for. Dave shares that 100 percent grass-fed livestock are higher in Omega-3 fatty acid and higher in CLA (conjugated linoleic acid) that’s thought to reduce heart disease and cancer risks. Raising 100 percent grass-fed livestock is what makes their farm unique.

a legacy of farmersThough farm life is different in many aspects from what she expected, Joy found herself loving the opportunity to raise their children in a rural environment. “A farm is a great place to raise a family,” says Joy. Their three children grew up helping out on the farm and spending endless days of playing in the beautiful creek flowing not far from their front porch. Through the heri-tage of their grandparents as well as Dave and Joy’s example, each of the Stutzman children started their own businesses of raising different farm animals for consumption. Their businesses were very successful and they were able to save part of their profits to go toward their college tuition.

Today when the Stutzman children come home on college break or to visit, they naturally fall back into the routine of farm life, loving every minute of it. Joy reminisces about how much the children love coming home to the farm. Now that their children are away from home, Dave and Joy are concentrating mainly on their beef and pork. They are passionate about keeping the farm the same, only scaling back a little bit since they don’t have the kids’ year round help anymore. Family and farming are clearly interlinked in this beautiful family.

a wonderful combinationIn his years at MAFC, Dave has served as a loan officer, a branch manager and a regional credit manager. He started as a loan officer and is once again a loan officer today. “I love what I do and I especially love all the people I work with at MAFC, my co-workers are great! But, at the heart of MAFC are the amazing customers. Meeting with the customers, getting to know their farm, and their needs is what it is all about,” says Dave.

Dave especially enjoys meeting with customers and helping them decide ways to improve their farming businesses—some-thing he has been doing himself for most of his life. Being able to meet with customers and relating to their needs is crucial. Dave’s heritage, his education and his experience as a farmer and a MAFC employee all contribute to a unique and wonderful combi-nation. The passion and heart Dave and Joy have for their farm and MidAtlantic Farm Credit is clear in all that they do. n

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Whitacre finds best of both worlds with lending position and farming operationstory and photos by JENNIFER SHOWALTER

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1 What is work for many full-time

farmers is a form of relaxation for Jamie Whitacre. Whether he is visiting one of his customers on their farm or performing chores on his own farm—Jamie loves the agricultural environment he works and lives in each day.

2 Father like son: Luke Whitacre

follows in his father’s footsteps. Jamie’s love for farming is one thing, but providing an opportunity for his children to be involved in agriculture is even more important to him.

3 Jamie is not wasting any

time introducing his youngest son, Braden, to the farming lifestyle. At this point, it appears that Braden is most interested in equipment, while Luke enjoys livestock.

4 From cows with calves, to nurse

calves, to stockers, Jamie’s diverse beef operation truly keeps him up to date with different segments of the industry.

5 Jamie enjoys playing multiple

roles in the agricultural business. Simple chores bring reality into the picture for Jamie and allow him to better connect with his Farm Credit customers.

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TOO MANy EMPLOyEES ACROSS THE COuNTRy WATCH THE CLOCK WAiTiNG ON THEiR WORK DAy TO COME TO AN END, SO THEy CAN KiCK BACK AND WATCH TELEviSiON, PLAy GOLF, GO SHOPPiNG, WORK OuT, OR ENGAGE iN JuST ABOuT ANy OTHER FORM OF RELAxATiON. JAMiE WHiTACRE, A MiDATLANTiC FARM CREDiT LOAN OFFiCER iN THE WiNCHESTER, viRGiNiA, OFFiCE iS NOT ONE OF THESE PEOPLE. HE FiNDS THAT HE HAS THE BEST OF BOTH WORLDS. iNSTEAD OF RuSHiNG THE DAy ALONG, JAMiE ENJOyS HiS TiME SERviNG MiDATLANTiC FARM CREDiT AND HAviNG THE OPPORTuNiTy TO RuN HiS OWN FARM. iT MAy BE WORK FOR SOME, BuT iT iS A WAy OF LiFE FOR JAMiE THAT HE SiNCERELy ENJOyS.

Jamie finds that his personal involvement with his farm-ing operation allows him to form better relationships with his clients. Having a feel for such things as fluctuat-ing input costs and output prices, challenges with the weather, and unexpected changes in the industry helps Jamie have a better understanding of his clients’ needs.

Jamie’s love for farm life started at an early age. As a kid, he traveled with his grandfather to different stock-yards buying calves each spring to graze through the summer and sell in the fall. Jamie’s immediate family had a small farm while he was growing up that has expanded into a 200 head commercial cow operation his dad oper-ates today. Being in both 4-H and FFA, Jamie showed livestock and participated in crops, livestock judging, public speaking, and stockman’s contests.

Jamie’s hard work in both 4-H and FFA paid off as he was selected as one of four senior students to receive a full, four year agricultural scholarship. From 1990 to 1994, Jamie attended Virginia Tech, where he majored in Agricultural Economics.

During Jamie’s junior and senior year of college, he participated in an internship with an appraisal firm in Richmond, Virginia. This experience led him to working for the firm for two years following college. Jamie then went to work for Rockingham Cooperative as a field representative for about nine months before finding his way as Manager of Winchester Equipment’s Woodstock Branch. Shortly after learning the branch was closing in 1998, he was offered a position with Farm Credit, where he has been ever since. “The knowledge I gained from working in the appraisal, co-op, and equipment fields has certainly helped me with my lending job,” says Jamie.

In 1999, Jamie bought 25 acres in the Strasburg, Virginia area, where he built his home, started a family, and runs the biggest portion of his cattle. Jamie has two sons: Luke, who is ten years old, and Braden, who is three years old. Farm Credit loaned Jamie the money to purchase this land, and he has remained a borrower ever since.

provide the facilities and opportunity for my kids to be involved with 4-H, FFA, and the farm if they want to.”

Finding time to get everything done is a never ending challenge for Jamie, but he wouldn’t have it any other way. “Farm Credit is very understanding when it comes to my farming operation, and with today’s technology I am able to stay connected with the office even when I am on the farm,” says Jamie. “I enjoy working with farmers and building relationships with them. It’s rewarding to see the farmers and orchardists do well.” Farm and property loans make up the biggest portion of Jamie’s loan portfolio. With his farm loans ranging from fruit (mainly apples), to cattle, horses, and crops, Jamie has to stay up to speed on a broad spectrum of agricultural endeavors.

In addition to Jamie’s obligations with MidAtlantic Farm Credit and on his farm, he has served on the board and as chairman of the youth beef cattle show for the Frederick County Fair for the past 12 years. He helped coach soccer this past spring and takes his sons to other sport practices and 4-H meetings. Jamie strives to provide valuable opportunities for his kids and to support them along the way.

The security that MidAtlantic Farm Credit provides Jamie in a job coupled with the ability to farm makes Jamie’s life complete. “If there is a rough day at the office, there’s nothing better than coming home and getting on the tractor to clear my mind,” says Jamie. “Farming is in my blood! It is amazing to me that less than one percent of Americans are farmers, and I am very proud to be one of them!” n

Jamie currently owns 25 acres and leases/farms another 65 acres. His commercial cow herd consists of 20 brood cows that are split between being spring and fall calvers. Jamie markets the calves from these cows through Virginia state graded feeder calf sales. He is proud that he has grafted approximately 12 calves onto cows that lost their calves at birth. “It’s hard to justify keeping a cow that is not raising a calf,” Jamie adds. He also buys ten to twelve green feeder calves during the fall of each year and feeds them through spring.

In addition to the cattle, Jamie manages to find time to make over 40 acres of hay that is used to feed his cattle. Jamie relies on his dad and neighbors to round bale the hay. He indi-cates his dad is very helpful and has even made entire fields for him. “You don’t want any hay to get rained on, and it’s even more critical when you are small. The real killer for me is trying to plan around the weather and my job,” says Jamie.

Luke is in his third year of showing livestock, and Jamie takes pride in helping him with his beef, hog and sheep projects. “By showing livestock, I hope Luke learns more about the animals, appreciates all the time and effort that goes into a successful project, and learns how to communicate with people. While marketing his animals, the lesson of looking someone in the eye and shaking their hand is so valuable,” says Jamie. “4-H and FFA helped round me as a person, gave me real world experience, taught me to communicate with people, provided hands on experience that you don’t get in the classroom, and helped me mature as an individual. With this in mind, I want to

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speakersEMORy AuSTiN will speak to the guests in Salisbury, Dover and New Holland.

MARK MAyFiELD will speak to the guests in Walkersville and Winchester.

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2012 Annual MeetingsApril 2 NEW LOCATION Wicomico Civic Center Salisbury MD

April 3 Modern Maturity Center Dover DE

April 4 Yoder’s Restaurant New Holland PA

April 10 Walkersville Fire Hall Walkersville MD

April 11 Millwood Station Winchester VA

Want to know how your association did in 2011, and what is planned for 2012? We’ll be holding the door open for you at this year’s annual stockholder meetings.

Meeting Agenda:6:15 Registration6:45 Call to order7:00 Dinner8:00 Business meeting and elections*9:00 Laugh with our humorous speaker!*

* You can see more details on our elections and our speakers on our website at mafc.com. If you can’t make it to a meeting this year, you can follow them LIVE on Twitter at #MAFCAM. We’ll be tweeting all the best parts!

Speaking of best parts, this year, your cooperative will be distributing more than $25 million in patronage payments, with over $10 million in cash. We will not be distributing these checks at our meetings this year, but will mail them directly to our members on March 28. You will get your checks sooner, and you won’t have to wait in line when you come to the meeting—that’s a win/win situation!

To register for a meeting, you can:

• Go to mafc.com and complete the online registration form

• Complete the rsvp postcard in your annual meeting information statement—to be mailed to you later this month.

Opening doors for 95 years!YOU CAN WIN BIG…A gator may not technically have doors, but it will definitely open up the door to fun! And you can WiN ONE just by attending the MidAtlantic Farm Credit stockholder meeting nearest you.

We’ll be awarding one lucky meeting attendee with a brand new Gator XUV 550 Crossover Utility Vehicle! (How’s THAT for a door prize??) This model has a power-ful v-twin engine, independent four-wheel suspension, and availability of over 75 attachments (not included—you’ll have to purchase them on your own.) it also has a really cool custom design…it will be a one of a kind!!

How do you win? Just attend the annual meeting nearest you and complete an entry form. After the five meetings are over, we’ll choose a winner on or about April 25. The winner will be contacted directly. (We’ll also post the winner’s information on Twitter at #MAFCAM and our Facebook page). it’s that easy!! (Well, almost…read the legalize below or go to mafc.com for complete rules).

Features:Horsepower: 16 hp@3800 rpmTop Speed: 28 mphCylinders: V-twin Engine: 570cc gas

Win a Gator XUV 550 Crossover Utility Vehicle at your Annual Meeting!No purchase necessary. Sweepstakes open only to invited stockholders and approved guests, who are legal US citizens, at least 18 years of age, who are in attendance at one of the venues of the 2012 Stockholders Annual Meetings. A copy of the full Official Rules of this promotion will be available at each meeting venue. Approximate retail value of Grand Prize is $8,600, however, winner may accept a $2000 cash alternative. Drawing for Grand Prize will be held on/about 4/25/12, under the supervision of an independent sweepstakes administrator. Void where prohibited.

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3.20 acres, custom built brick front with 4 bedrooms & 3 full baths. Soaring ceilings in the living room & dining room with oak hardwood floors. Lower level offers in-law suite with kitchen, bedroom, full bath, rec room with gas fireplace & barn. 40x32 detached garage with heat, air conditioning, full bath & kitchenette. $345,000. Contact Ted Lapkoff, RE/MAX All Pro, 301.694.3425.

Gorgeous Cape Cod had 3 bedrooms, 2.5 baths on main level & 2 bedrooms, 1 bath on the 2nd level waiting completion. Farmette setting with electric fencing, 2 pastures, run-in, 3

horse stalls, workshop & 2 bay garage. Semi-attached space can be in-law suite, rec room, etc. $285,000. Contact Dawn M. Kyle, Champion Realty, Inc., 410.310.5899.

Waterfront farm on 163 acres. 1990 reproduction of classic Tidewater Colonial. Screened porch with brick floor over-looking water. Fenced pasture with 2 stall barn, seven bay equipment garage, 4 ponds, 2 with own well. 20+ acres in woods, 105 +/- tillable, excellent farming & hunting. $2,900,000. Contact Richard Evans Cross Street Realtors, LLC, 410.778.3779.

As is 29.5 acre farm. Great location, great potential! Home, barn, stream & outbuild-ings. $350,000. Contact Karen Carroll, Haines Realty, 410.876.1616 or 410.375.8898.

Westminster, Maryland

Vinyl siding, roof, gutters, & huge composite & vinyl wrap deck. Private paved drive to stone hardscaping & landscap-ing. Stainless steel kitchen appliances, breakfast bar & woodstove. Two story brick fireplace & glass wall overlooks stocked pond. Commute to Ft. Meade, Ft. Detrick, Baltimore/DC. $312,400. Contact Deb Bargeski, Keller Williams Home Towne Realty, 301.748.6719.

Mt. Airy, Maryland

Keedysville, Maryland Greensboro, Maryland

Three bedroom, 3 bath home with great room, den, formal dining room, screened porch, deck, in-ground pool, carriage house with office, 1.25 acres. $329,000. Contact Sherry Noren, Champion Realty, Inc., 410.310.4571.

Denton, Maryland

Rock Hall, Maryland

Sub-dividable lot with a 24x32 insulated metal building with 200 amp electric service & 2 roll up doors. Most survey work done to subdivide. One lot for you, one for the kids or sell off a lot after subdivision. Two percs already done. Good commuter location. $225,900. Contact Sharon Lapkoff, RE/MAX All Pro, 301.694.3425.

Keedysville, Maryland

2+ acres near marina & horse farms. Exceptional contempo-rary home with mahogany & cherry wood floors, 1st floor master bedroom, bath & steam shower, granite kitchen, over-sized 3 car garage and in-ground pool. Easy access to Route 301. $479,900. Contact Jonathan Olsavsky, Coldwell Banker Waterman Realty, 410.490.0369.

Church Hill, Maryland

61 acre farm, contemporary 4 bedroom home. Enjoy the privacy this farm offers. Large pond. Barns & outbuild-ings. Beautiful rolling land & pasture. $495,000. Contact Larry E. Haines, Haines Realty, 410.876.1616 or 443.536.6192, larry@hainesrealtyco.com.

Taneytown, Maryland

Large brick and frame home, on national historic register in Northern Caroline County. 5.73 acres, 7 bedrooms, needs TLC. Separate living area ideal for mother-in-law/caretaker. $399,000. Contact Diane Wenk, Wright Real Estate, 410.310.7399.

Goldsboro, Maryland

Immaculate 3 bedroom, 2 bath home. Fireplace, large shed, partly fenced. $150,000. Contact Mary Libick, Wright Real Estate, 443.786.6585.

Denton, Maryland

Over 2,000 sq. ft. rancher on .92 acre lot. Large sunroom overlooks farmland. Custom maple cabinets, built-in bookcases, natural wood trim, hardwood floors, large rec room with wet bar & fireplace. Private master bedroom with outside entrance. Listed at pre-appraisal price. $360,000.

Contact Robert Griesmyer, Cascade Realty, 443.398.4242.

Westminster, Maryland

Rancher on 8+ acres surrounded by mature

trees. 24x19 barn style 2 car garage is constructed of block & has a upper loft with a center floored & electric with a full length work bench. A 3 season room has been added for addi-tional space. $228,000. Contact Barbara Beaudet, EXiT Latham Realty, 410.829.2881.

Preston, Maryland120 +/- acres, vacant ground. 60-70 acres tillable with

balance in woods. Great gentle-men’s estate, farm, etc. An adjacent 30 acre parcel is also available. $795,000. Contact Christopher W. Taylor, Beiler-Campbell Realtors – Farm and Land Div., 888.786.8715.

Colora, MarylandThree wooded building lots. 14, 5, and 5.5 acres. Perced with wells installed. Minutes to Cunningham Falls State Park. Beautiful setting. Call for plat and pricing. Contact Cindy Grimes, J&B Real Estate, Inc., 301.271.3487, Ext. 24.

Impressive Georgian home, remodeled in 2007. Bar, lounge, theater room, 2 private offices with conference room. Formal

Japanese gardens front onto 2,000’ of deepwater with stunning views. Room for horses. $1,995,000. Contact Glory Bee Costa, EXiT Latham Realty, 410.310.9081.

Marion Station, Maryland

Thurmont, Maryland

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Six year old 3 bedroom, 2 bath split rancher situated on corner lot. House offers a huge kitchen with island and eat-in kitchen area, spacious living room with bay window, gener-

ous master with master bath, rear deck, fully fenced rear yard and detached shed with electric. $174,900. Contact Bryan Wieland, EXiT Latham Realty, 410.829.5913.

150 +/- acre waterfront farm with an active poultry opera-tion. 3 modern chicken houses with a capacity of 77,000 birds. Numerous outbuildings including 75 kw generator with shed, house trailer, & new metal pole barn. Subdivision potential. $1,695,000. Contact Tim Miller, Benson & Mangold, 410.310.3553.

Close to Easton and less than ½ mile to public boat landing with dock and beach. Three bedrooms, 2 baths on .3 acres with well & septic. Ready to move-in. $74,900. Contact Renee Rishal, EXiT Latham Realty, 410.310.7024.

25 private acres in the Montgomery County Ag Preserve with views of Sugarloaf & the Catoctin Range. Approved well & septic for 5 bedrooms. Fully restored barn. Access to lots of trails, close to Woodstock Equestrian Center & MARC Train Station. $699,000. Contact Pat Smith, PBS, Inc., 301.530.9152.

140 acres comprised of 4 deeded parcels. All subdivision rights intact, 6 approved percs. Three bedroom, 2 bath house renovated in 2011, new kitchen, windows, doors, furnace, flooring, etc. Large bank barn, detached garage & office/studio. $1,200,000. Contact David Wilkinson, MacRo, Ltd., 301.698.9696.

Libertytown, Maryland Ridgely, Maryland

Estate farm on approxi-mately 40 acres.

Large brick Colonial featur-ing: cherry floors & cabinets, gourmet kitchen with island, great room with stone fireplace, all season room, in-ground pool, creek frontage, horse barns, in-law suite or tenant home, subdivided commercial buildings & huge equipment buildings. $1,350,000. Contact Randall Wagner, Mackintosh Realtors, 301.491.7394 or 301.790.1700.

Williamsport, Maryland Preston, Maryland

Trappe, Maryland

Dickerson, Maryland

30 acre estate for horses with riding trails through wooded area. Large home with 2 car garage, barn with 2 stalls and hay storage. Two electric fenced pastures used for rotational grazing. Hunting area with deer stands. Plenty of wildlife! $550,000. Contact Walt & Becky Trice, EXiT Latham Realty, 410.463.0500.

Henderson, Maryland

Move-in condition. Large 2,002 sq. ft. home recently remod-eled. Four bedroom rancher with fireplace & attached garage. Landscaped corner lot in Tower Gardens. Community has boat ramp, pier and 2 sandy beaches on the bay. Easy commuting to Western Shore. $299,000. Contact Veronica “Vera” Lawson, EXiT Latham Realty, 410.708.6332.

Stevensville, Maryland

300 degree water views of Irish Creed on this magnifi-cent point of land. Exposed beam ceilings, hard-wood floors, and spacious deck with hot tub. Bailey dock with new electric lift offers 3-4’ MLW. New roof in 2011. Mature landscaping, partially wooded.

$1,575,000. Contact Bill Wieland, EXiT Latham Realty, 410.310.0803.

Royal Oak, Maryland

French classic by Jack Arnold. Superb elements of design & premier construction. Classic floor plan, expansive open area for formal & informal living, 4 bedroom suites,

tidal pond, dock, pool & pool house on Tred Avon River. $2,250,000. Contact Peggy Hoffman, EXiT Latham Realty, 410.259.1193.

Royal Oak, Maryland

293 +/- acres in 4 parcels, 2 one acre perc approved

lots, 280 acres with one perc, & 11 acres with house & barns. The 280 acre parcel includes 4 goose pits, 3 blinds, 3 flooded grain impoundments with freshwater creek. Potential exists for future subdivision/annexation into town of Millington. $2,670,000. Contact Samantha Grimes, Chesapeake Real Estate Associates, LLC, 410.643.4663 or 410.310.6426.

Hunter’s paradise. 79 acres with mixture of fields, woods, flooded

pond & stream on a private road. Three bedroom full log cabin completes the pack-age. $739,000. Visit homes-database.com\KE7532838. Contact Jack Fernwalt, Sassafras River Realty, Ltd., 410.778.0238.

Betterton, Maryland Millington, Maryland

Turpin’s Purchase, established 1717, a 194 acre historic water-front estate. Over 130 acres of tillable farmland. Beautiful 6,000 sq. ft. home. $2,000,000. Contact Bill Martin, ERA Martin Associates, 410.749.1818.

Westover, Maryland

Immaculate farmette on over 7 acres. This home offers 3 bedrooms, 3.5 baths, screened in porch, granite counters, finished lower level. Over 3 acres of three board fence, two stall barn with water. $500,000. Contact Marvine Jenkins, Long & Foster Real Estate, Inc., 410.596.4756.

Middletown, Maryland

Original barn from Patrick’s Plains Farm was moved and remodeled into this 4 bedroom main house with lots of ameni-ties on 11+ acres. The original horse barn was moved and remodeled into a 1,600 sq. ft. guest house with 2.5 car garage. Pool overlooks Island Creek. $2,450,000. Contact Jim Latham, EXiT Latham Realty, 410.822.2152.

Oxford, Maryland

12+ acres, 9 year old home with 3 bedrooms & 2.5 baths. 30x40 Morton type building, first floor office or could be large owner’s suite. $349,999, David Clinesmith, Weichert Realtors, 240.475.6336.

Fairplay, Maryland

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Need financing for any of these properties? Call your local Farm Credit office.All of the properties listed on these pages are offered for sale by local, licensed Realtors. MidAtlantic Farm Credit is not affiliated with these properties, nor are we responsible for content or typographical errors. Please call the Realtor listed for more information.

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200+ acre farm offers excellent hunting & subdivision potential with 14 development rights. Located just a few miles from Easton with 89 acres tillable & improved by 2 story farmhouse with a large enclosed equip-ment shed. $1,802,500. Contact Greg Gannon, EXiT Latham Realty, 410.829.5430.

Easton, Maryland

Pick-your-own fruit farm containing 139 acres, owner’s residence, pond, retail store with deli/bakery/produce and multiple outbuildings including bank barn, cold storage, garages & schoolhouse. Operational orchard generating serious reve-nue plus long-range opportunity for other uses. $1,950,000. Contact Don Frederick, The Frederick Group, 610.398.0411.

Large renovated farmhouse plus 24x50 two story barn & a 24x60 pole barn. Lots of potential. House offers 3 bedrooms, 2 baths, living room, dining

room, kitchen, den, side porch & deck. Barn has basketball court. $285,000. Contact Doug Moore, Bob Moore Realty Co., 302.674.4255.

16.4 acre farm sits 1,000 feet off the main road. The house has 3-5 bedrooms and three baths. Two fenced pastures, 30x36 barn & a few other outbuildings. Several

acres of woods with trails. Lots of deer & wild turkey. $339,900. Contact Andy Whitescarver, RE/MAX Horizons, 302.242.5557.

Leigh County, Pennsylvania

Dover, Delaware

Dover, Delaware

56 acre Lebanon County eques-trian farm with an exceptional home, first-class stables & grounds perfectly equipped for horses. Plenty of privacy, minutes from main highways & Penn National Race Course. $1,200,000. Contact Vito Lanzillo, Jr., RE/MAX Delta Group, Inc., 717.652.8200.

Grantville, Pennsylvania

Certified organic farm consist-ing of 28 acres. Historic farm-house with new wraparound porch, 4 car garage, barn & more. $625,000. Contact Wasyl Onulack, Jr., Century 21 Keim, 610.823.7850.

Hamburg, Pennsylvania

Luxurious redwood & moun-tain stone custom architecture executive home on 11 private acres. Inlaid Italian tile, cedar closets, wrap around balcony & 16x36 pool, huge patio. Race track and casino within 5 miles. Zoning permits horses & boarding. $1,499,000. Contact Michael Yingling, RE/MAX Delta Group, Inc., 717.652.8200.

Harrisburg, Pennsylvania

99 acres of open land with an old farmhouse, barns, & beauti-ful views. Call for pricing. Contact Maureen Olson, Real Estate Teams, 301.606.8362.

Keymar, Maryland

Property offers 100.37 rolling acres & fronts county road. 4,500 sq. ft house recently remodeled to be used as group home for boys. Mountain & pastoral views & large pond.

Additional well & a 3 site camping facility. $789,000. Contact Teresa Seville, Coldwell Banker Premier Homes, 304.671.3515.

Berkeley Springs, West Virginia

137 acre working farm. Includes an 1800s farmhouse awaiting renovations & personal touch. Two barns, one three-sided shed, assorted outbuildings & more. Passage Creek runs through the property. Borders the National Forest. $1,300,000. Contact Victoria Stallings, ERA Beasley Realty, 540.335.1004.

Fort Valley, Virginia

Completely renovated 3 bedroom, 3 bath traditional house with original woodwork. Complete horse farm on 7 fenced acres on 2 parcels. Large barn with 4 stall stables, heated garage/workshop, & riding arena.

Second parcel has a septic perc & more. $348,500. Contact Cheryl Shalap, ERA Beasley Realty, 540.336.5763.

Fishers Hill, Virginia

Farmette on 7+ acres, pond, barn, chicken house & storage shed. Three bedroom, 1 bath home updated with granite counters, hickory cabinets, and hardwood floors. Tiling in bath, new windows. $169,900. Contact Cynthia Dellinger, United Country Shenandoah Valley Realty, 540.477.9791.

Quicksburg, Virginia

“Old Yowell Farm”, 18 acres. Bring the horses! Barn, wash stall, feed/tack room, hay loft, 4 paddocks, run-ins, beauti-ful home, pine floors, formal entry foyer, turned staircase, formal living room &

dining room. Addition with family room, custom kitchen, den, master with fantastic bath & walk in. Three bedrooms & 2.5 baths. $556,900. Contact Lisette Turner, Century 21 New Valley Realty, 540.247.4585.

Boyce, Virginia

49.414 acres, 3 bedrooms, cottage style home, 6 stall barn with heated tack room & hall lofts, 2 car detached garage with heated workshop, 35 acres wooded, 12 acres fenced pasture, 2 wet weather streams, geo thermal heat, 400 amp service, steel framed house, barn & garage. $725,000. Contact Leah Clowser, A New Century Realty, 540.247.1941.

Berryville, Virginia

Historic Timberlake Farm built around 1755. Portions restored & expanded. Home offers 4 bedrooms, 2 baths, 4 fireplaces, library, and more. In-law suite with kitchen, bedroom & bath. 6.7 acres, shared pond, barn & silo. $369,000. Contact RoxAnn Grimes, A New Century Realty, 540.327.2798.

Clear Brook, Virginia

Hunters/privacy seekers. 54.21 +/- acres total with 3 small fields. Timber was previously harvested on the majority of the property. 8.77 acres of wooded road frontage, abundant wildlife. $168,000. Contact Dutch Schwab, Ralph W. Dodd & Associates, LLC, 757.678.6622.

Exmore, Virginia

MidAtlantic Farm Credit45 Aileron CourtWestminster MD 21157

PRSRT STDU.S. POSTAGE

PAIDBALTIMORE MD

PERMIT NO. 7175

Love your job, love your life.

If you’re looking for more than just a job—something you can truly commit to, believe in, and feel good about—look no further than MidAtlantic Farm Credit.

We can help you develop professionally and personally to build a strong career within the Farm Credit System. A career that can lead to a truly satisfying way of life.

We are looking for creative, energetic and passionate people who will share our vision, contribute new ideas, and help support rural America.

Start loving your life now. Give us a call today!

888.339.3334 |

PLEASE NOTE: Our payment processing center has a new mailing address: PO Box 650831, Dallas, TX 75265-0831. you’ll find the new address pre-printed on your remittance coupon, which will show through the window envelope.

Notice: Credit Bureau Reporting to Begin March 31, 2012

Your cooperative is committed to the integrity of our credit information, and to transparency with both our borrowers and other credit and bank-ing agencies. That’s why, effective March 31, 2012, we will begin reporting borrower account information to the three major credit reporting agencies (Experian, Trans-Union, and Equifax).

Please ensure that all of your accounts are current as of March 29, 2012, so that your credit score will not be affected by late payments.

If you have any ques-tions, please call your local office.

Lending support to rural AmericaTMmafc.com

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