Thank you for visiting our Web site and reviewing our Privacy Statement. This Web site, www.1stfarmcredit.com ("Site"), is operated on behalf of 1st Farm Credit Services, ACA; 1^st Farm Credit Services, FLCA; and 1^st Farm Credit Services, PCA (collectively, "1^st Farm Credit Services" "we," "us" and "our"). Your privacy is important to us. It is our policy to protect your Personal Information (as defined below) and to use it in accordance with this Privacy Statement.

We automatically collect information about your Internet connection, such as:

• Your Internet domain (for example, "xcompany.com") if you use a private Internet access account and IP address (an IP address is a number that is automatically assigned to your computer whenever you are surfing the Web) from which you access our Site;
• If you linked to our site from another Web site, the IP address of the Web site from which you linked directly to our Site;
• The type of browser and operating system used to access our Site;
• The date and time you access our Site; and
• The pages you visit.

This information does not identify you personally. We use this information to monitor our Site's effectiveness, identify areas of user interest, and consider potential improvements to our Site.

We require you to provide certain personally identifiable information ("Personal Information") to use certain features and functions of the Site. By providing such information, you consent to our collection and use of it, as described in this Privacy Statement. We do not collect any Personal Information about you when you visit the Site unless you give us that information. The Personal Information you provide includes contact information, such as your name, address and email address and information about your personal financial situation, if you make any online requests for services.

Your privacy and the security of your Personal Information are vital to our continued ability to serve your ongoing credit and financial services needs. We use Personal Information obtained from you to provide products and services; respond to your questions or inquiries; identify customer prospects; identify areas of user interest; and consider potential improvements to our Site.

Specific ways we use information include:

• You can contact us directly with questions or comments regarding the services or to request additional information by using the contact information on the 1stfarmcredit.com "Contact Us" pages. You also provide Personal Information when you request materials from us. We may also use your Personal Information to determine the level of interest in our offerings.
• We may use your Personal Information to get in touch with you regarding the status of your online requests for services or any additional information you requested. We may also use your Personal Information to determine whether you qualify for any services for which you request online.
• We may use your Personal Information to contact you regarding additional services and features or requesting your feedback about your experience with 1stfarmcredit.com.

We may provide links on 1stfarmcredit.com to other sites of interest. We do not review or endorse the content of these sites or guarantee that they will abide by this Privacy Policy. Your use of such linked sites is subject to the terms and conditions and privacy policies of the providers of those sites. We encourage our users to be aware when they leave our Site and to read the privacy statements of each Site that collects Personal Information.

Please note that your use of the Site and services is subject to our Terms and Conditions of Service which you may access from our Home Page or other Site pages by clicking on Terms and Conditions.

Since 1972, Farm Credit Administration ("FCA") regulations have restricted the disclosure of Personal Information provided to us while applying for or obtaining a loan ("Personal Borrower Information"). Specifically, employees and directors of a Farm Credit institution may not disclose the Personal Borrower Information to others without your consent except in certain circumstances. We do not sell or trade Personal Information to marketing companies or information brokers. We will only disclose your Personal Borrower Information and other Personal Information in the following circumstances without first obtaining your consent:

• We may give Personal Borrower Information and other Personal Information to another Farm Credit institution that you do business with.
• We can be a credit reference for you with other lenders and provide Personal Borrower Information and other Personal Information to a credit bureau or other consumer reporting agency.
• We can provide Personal Borrower Information and other Personal Information in certain types of legal or law enforcement proceedings.
• FCA examiners may review loan files containing Personal Borrower Information and other Personal Information during examinations of our associations.
• If one of our employees applies to become a licensed real estate appraiser, we may give copies of real estate appraisal reports containing Personal Borrower Information and other Personal Information to the State agency that licenses appraisers when required. We will first remove as much Personal Information from the appraisal report as possible.

In addition to the above disclosures, we may disclose Personal Information in the following situations:

• We may buy or sell business assets or be acquired by or acquire other companies or Farm Credit institutions. In such transactions, Personal Information (including Personal Borrower Information) generally is one of the transferred business assets. In addition, in the event we merge or consolidate with another Farm Credit institution, your Personal Information (including Personal Borrower Information) may be transferred to the successor Farm Credit institution.
• We may use third party suppliers and service providers to facilitate our services, and they may have access to Personal Information (including Personal Borrower Information). For example, we may outsource one or more aspects of our Site to a supplier or service provider who performs services according to our requirements. In these cases we will restrict through written agreements how these suppliers or service providers may use or disclose the Personal Information (including Personal Borrower Information) to which they have access.

Please remember that, although we endeavor to select only reputable companies who share our commitment to customer privacy, we are in no way responsible for the actions or policies of these other organizations.

The use of cookies enables us to enhance your visits to the Site. Cookies are alphanumeric identifiers that are transferred to your computer's hard drive through your Web browser. The help portion of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, but this will limit your ability to use some features. Cookies enable us to recognize your browser and provide features that are tailored to your needs.

We may use information from cookies for purposes of planning and tracking, as well as assessing the technical function of the Site. We may also use cookies to track information about which pages you visit within the Site to help us gauge the effectiveness of the Site or our content.

We work hard to protect the security of your information. Some, but not all, of our Site pages use Secure Socket Layer ("SSL") technology, the current standard for secure transactions over the Internet. While we strive to protect your information by using SSL and through measures to protect our system, such security cannot be ensured. Consequently, we do not ensure or warrant the security of information you transmit, and you do so at your own risk. If your communication to us includes confidential information, you may want to contact us by using regular mail or telephone.

We do not offer or provide products and services for children. If you are under 18, you may use our Site only with involvement of a parent or guardian. We do not intend to collect Personal Information from children. If your child has submitted Personal Information and you would like to request that such information be removed, you may contact us by one of the methods listed below, and we will honor your request.

You can always choose not to provide information or to opt-out of receiving communications from us at any time. We give users the following options:

We may change this Privacy Statement from time-to-time. If we do make a change, we will post the revised Privacy Statement on this Site. We encourage you to review this Privacy Statement periodically. Questions, comments or complaints about our privacy policies should be submitted to us by one of the methods listed above.

-Privacy Statement updated January 1, 2009-

1^st Farm Credit Services is an Equal Opportunity Employer.

1st Farm Credit Services is an Equal Credit Opportunity Lender.

1^st Farm Credit Services is an Equal Opportunity Provider.

Copyright 2009, 1^st Farm Credit Services, FLCA. All Rights Reserved.