Manage Risk: Protecting your Business Against Loss

The following products can help you manage the risks you face every day:

Fixed Interest Rates:

When you fix your interest rate for a specific period, you'll find that financial planning is easier. For convenience, you may convert to another fixed rate or to a variable rate when the specified period is over.

Life Insurance:

A life insurance policy protects dependents (or loan cosigners) from the financial burden of outstanding debt. Life insurance can pay off the policy owner's insured loans immediately. It provides peace of mind by protecting your estate and your supervisors' credit rating by preventing loan default. In addition to group policies, individual life insurance coverage is also available that is not tied to the loan and can be retained after loans are paid in full. Ask one of our loan officers about Premier and Advantage Life Insurance.

Multi-Peril Crop Insurance:

A little peace of mind goes a long way these days, especially when it's easy and affordable to obtain. Multiple Peril Crop Insurance (MPCI) can help you take some of the risk and worry our of the whims of nature. We call it "weather management" insurance, because it can protect your financial well being from nearly all natural disasters, including:

• drought
• excess moisture
• cold and frost
• flood
• wildlife
• unavoidable damage from insects and disease

We also offer hail insurance and grain fire protection at affordable rates. Your loan officer can show you how convenient it is to obtain a little peace of mind.

"You can't control weather, but you can protect your business from its effects by carrying crop insurance."