CREDIT SCORECARD

ELIGIBILITY PARAMETERS

• Maximum loan size: $750,000 per applicant within a 12 month period.
  -After 12 months of seasoning with no delinquencies, additional loans will be considered.
  -Maximum aggregate exposure is $1.5 million
• Maximum Loan to Value (LTV):
  -55% of total combined bare land and permanent plantings
  -If the property does not include permanent plantings,
  the max LTV of 55% is based off of bare land only.
• Minimum credit score for all applicants: 720
• Monthly or semi annual payment frequencies
• No restrictions on commodities
• No restrictions on use of funds
• Fixed, Variable, and Adjustable Rate products offered
• Applicants/borrowers must include all title holders
• The following are not allowed:
  -AgEquity (Revolving Lines of Credit)
  -Highly improved, livestock, and special use facilities
  -Trusts (without an eligible co-borrower and a personal guarantee)
  -Annual payment frequency
  -Cross-collateralization