nd you thought this wos good At Farm Credit, we don't believe in gimmicks and giveaways to get your business. Good customer service, competitive rates and flexible loan terms are a few of the things you can expect from us. Farm Credit also offers something that other lenders can't. A share of the profits. And we're not talking crumbs here. A patronage refund can mean real savings to you, effectively lowering your cost of borrowing. Since Farm Credit distributes refunds based on the amount of interest earned on each member's loan, the more business you do with us, the larger your potential share of the profits. Call your local Farm Credit office today to find out how you can get in on the best thing since sliced bread. ar Agricultural Loans and Country Mortgages AgChoice Farm Credit Keystone Farm Credit 800.998.5557 800.477.9947 Visit us on the web at: www.agfirst.com