Crop Insurance
Multi-peril, crop-hail, Crop Revenue Coverage, Catastrophic Coverage and other crop insurance policies can be purchased through Texas AgFinance. Multiple levels of coverage are available at competitive rates. Coverage begins on planting dates and losses are paid within 30 days of final adjustment. Texas AgFinance customers may download software for online viewing of policy information and do "what if" scenarios with the software's quote generator.

Life Insurance
Texas AgFinance offers customers two life insurance plans.

• Debt-related Insurance - This plan provides a benefit equal to the loan balance up to $500,000. It includes an accidental dismemberment benefit and a higher education benefit for insureds under age 60. Coverage is available to the borrower and borrower's spouse.
• Term Insurance - The term program offers three products designed to insure large-loan borrowers and allow applicants to choose level premiums for one, five or 10 years. Other features are competitive rates and portability, with an insurance minimum of $75,000 and no maximum.

Advance Conditional Payment (ADCON) Accounts
ADCON accounts give stockholders a place in which to deposit excess funds they may have from time to time while building liquidity. The deposits provide the association with a competitive source of funds, which in turn generates more association earnings that can be distributed as patronage payments to stockholders. Features include:

• Interest paid on deposits for as little as 30 days
• Competitive interest rates, compounded monthly

Banking Services
Available Through Frost Bank
When it comes to doing business in Texas, it is essential to understand Texans, their proud heritage and their fierce loyalty. It is fitting, therefore, that Texas AgFinance and Frost Bank - two seasoned financial institutions with deep Texas roots and histories that span generations - have formed a strategic alliance to better serve rural Texans.

With Frost Bank, you receive unparalleled professional service, flexibility and convenience with these banking products:

• Checking / Funding Account - A personal bank account that offers unlimited check-writing privileges, no minimum balance requirement, availability of ACH direct deposit and 24-hour access to account information with no monthly service charge to members.
• Trust Services - A financial management professional can assist you in managing your financial affairs and preserving your assets for your beneficiaries through careful and comprehensive estate planning and administration.
• Retirement Services - Frost Bank can help individuals and businesses select the right retirement plan and invest assets to achieve certain goals. Our most popular plans include traditional and Roth IRAs for individuals, Simple IRAs for small business owners, SEP IRAs for self-employed persons and 401(k) and profit-sharing plans.
• Investment Services - Frost Bank investment advisors can assist you with a comprehensive array of investment products. Plus, you can elect to make your own investment decisions or have Frost Bank take full responsibility for managing your money.
• Cash Management Services - Frost Bank has the financial tools to help your business succeed by accelerating cash collection and funds availability, maximizing investment income, managing borrowing needs effectively and controlling disbursement and reducing check fraud.
• Internet Banking - Banking online with Frost Bank has never been easier or better. Whether you are logging on from your home, office or a remote place on the road, our comprehensive Internet banking services are available 24 hours a day, seven days a week.

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