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Tom Neher, Vice President AgriBusiness AgStar Financial Services, ACA

Market Volatility and Credit for the Grain Industry Minnesota Grain and Feed Association Annual Convention St. Cloud, Minnesota February 2, 2009. Tom Neher, Vice President AgriBusiness AgStar Financial Services, ACA. Volatility Creates Opportunity and Risk.

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Tom Neher, Vice President AgriBusiness AgStar Financial Services, ACA

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  1. Market Volatility and Credit for the Grain IndustryMinnesota Grain and Feed AssociationAnnual ConventionSt. Cloud, MinnesotaFebruary 2, 2009 Tom Neher, Vice President AgriBusiness AgStar Financial Services, ACA

  2. Volatility Creates Opportunity and Risk • Last 18 Months presented greatest volatility of our careers! • Challenged our management as never before!

  3. Become a Student of Your Business • Manage your entire position • Grain and Feed Ingredients • Agronomy • Hedges • Customer Base • Accounts Receivable/Payable • Equity • Credit • Counter Party Risk • Physical Plant • Labor

  4. Strength of Producer • Most balance sheets are strong • Decisions made in next two years critical • Working Capital • Capital Expenditures • Land • Steel • Input Management • Marketing • Credit

  5. AgStar Portfolio

  6. Strong Credit Quality

  7. Sometimes Life Gives Us Slippery Roads

  8. Maybe We Need to Take Our Foot Off the Gas!

  9. Summery • Volatility Creates opportunity • Manage Your Entire Position • Become a Student of Your Business • Strength of the Producer • Take Time to Remember What Matters Most

  10. What Matters Most!

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