Mississippi Land Bank

Part o th Farm Crdit Systm Lad Bak msladbak.com Board o Dirctors Abbott Myrs, Chairma Ala Blai, Vic Chairma Morga Gulldg Ja Hill Lawso McCllla Kith Morto Calvi Ozir Jams G. Robiso Travis Sattrild Th Futur o Rural Amrica Is i Good Hads Th xt tim you har somo criticiz today s youth, ivit thm to your local juior livstock show. Stock show saso will soo b hr, ad thr is o bttr tim or plac to s rural Amrica s utur ladrs i actio. Evry glistig-cla aimal i th show rig rprsts moths o hard physical work ad tim ivstd by a youg prso. Whil dvlopig a apprciatio or agricultur, thos youg popl gaid sl-coidc ad lard about sacriic, prsvrac ad rsposibility th buildig blocks o charactr. Lad Bak is proud to support rural youth. This witr, w ll b at th stock shows, chrig o our youg ighbors, purchasig sal aimals ad prstig awards. Earlir this yar, Lad Bak prstd scholarships to 11 collg studts, ad w itd to do th sam xt yar. As part o our missio, Lad Bak also supports youg armrs ad rachrs who hav chos carrs i productio agricultur. Through our youg, bgiig ad small armr loa program, w try to go th xtra mil to hlp ths up-ad-comig producrs obtai iacig or thir opratios. At yar-d 2013, 21 prct o Lad Bak loas wr to youg armrs ad rachrs, did as ag 35 ad udr, whil bgiig armrs ad rachrs, thos with 10 or wr yars o xpric, accoutd or 50.3 prct o all associatio loas. Natioally, youg armrs ad rachrs rprstd 17.8 prct o all Farm Crdit Systm loas last yar, ad bgiig producrs accoutd or 25.7 prct o all Systm loas. Mor tha 62 prct o U.S. armrs ar 55 yars o ag or oldr. As ths producrs rtir, w armrs ad rachrs will b dd to tak thir plac. At Lad Bak, w ar plasd to partr with FFA, 4-H, commodity groups ad agribusiss orgaizatios to hlp dvlop th xt gratio o armrs ad rachrs a gratio with th ladrship skills, tchical ability, busiss kowldg ad strog work thic that ar charactristic o thos who work i agricultur. Rmmbr thos bits th xt tim you s a yougstr ladig a str or othr aimal aroud th show rig at your couty air. It s ot just about th str, hog or lamb it s about youg popl ad th utur o agricultur ad Amrica. Sicrly, Gary L. Gais Chi Excutiv Oicr ASSOCIATION SUPPLEMENT WINTER 2014

IN THE NEWS: UPDATE ON LAND BANK PERSONNEL Wddigs Mlissa Staord marrid Mik Hardy o May 31. Sh is th daughtr o Jams ad Jssica Staord. Jssica is vic prsidt o admiistratio at th associatio hadquartrs i Satobia. Births Charls Park Harris, so o Laura ad Bart Harris, was bor o Ju 24. Charli wighd i at 7 pouds, 9 oucs, ad was 19 ichs log. Bart is a assistat vic prsidt i th Starkvill brach oic. Austi Ford Taylor, so o Shaa ad Rob Taylor, was bor o Ju 15, wighig 7 pouds, 4 oucs, ad masurig 20 ichs i lgth. Rob is vic prsidt o brach ldig i th Clvlad brach oic. Hoorabl Mtios Tori Du, daughtr o Brya ad Mlissa Du, graduatd rom Lwisburg High School i May. Mlissa is th collatral custodia i th admiistrativ oic. Brtt Marlar joid th Crossroads Ara Board o Dirctors i Corith. Brtt is th vic prsidt/brach maagr o th Corith brach oic. Laura-Grac Broocks was amd th 2014 Most Bautiul Modl o th Yar by Child Modl Magazi ad is aturd o th covr o thir most rct issu. Laura- Grac is th 9-yar-old graddaughtr o David ad Mary Pogu ad daughtr o Joatha ad Tracy Broocks o Columbus. Sh is also a hoor roll studt ad rcivd th 2014 Prsidt s Gold Award or Acadmic Excllc at Hritag Acadmy i Columbus. Mary is th loa admiistrator i th Corith brach oic. Egagmt Chlsi Smith, crdit aalyst i th admiistrativ oic, is gagd to Shlby Smith o Mmphis. Chlsi ad Shlby ar plaig a sprig 2015 wddig. I Mmoriam Frak Wilbaks, gradathr o Matthw Kimbrough, passd away o Spt. 18. Matthw is th assistat vic prsidt i our Tuplo brach oic. Mary Holliday, mothr o loa opratios maagr Stphai Wilki, passd away o Spt. 17. Stphai works i th admiistrativ oic i Satobia. Holiday Schdul Lad Bak oics will b closd o th ollowig days: Thaksgivig: Thursday, Nov. 27 Friday, Nov. 28 Christmas: Thursday, Dc. 25 Friday, Dc. 26 Paymts must b rcivd i th Lad Bak oic by oo o Dc. 31 to b crditd or 2014. Borrowr Braggi Board Lad Bak cogratulats borrowrs o awards ad aoucmts rportd i North ara wspaprs. Som o thos oud i rct wspaprs iclud th ollowig: Joh Rodgrs Brashir was amd to th Agribusiss Idustry Coucil o th Fdral Rsrv Bak o St. Louis. H is vic prsidt o Cosolidatd Catish Producrs LLC i Isola. Carl Failig rctly rurbishd Gillspi Park i Idiaola or his Eagl Scout projct. Carl was picturd i th local wspapr with a w ighborhood rsidts who stoppd by to thak him. Philip Good o Maco, Miss., was rcogizd i th Dlta Farm Prss as a DKalb Yild Cotst wir. H placd scod i th No-Till/Strip-Till No-Irrigatd catgory. Jimmy Yagr mt with ladrs o Capitol Hill as a rprstativ o th Rosdal Bolivar Couty Port Commissio. Th mmbrs travld to Washigto, D.C., whr thy visitd with U.S. sators ad rprstativs. Svral picturs o th dlgatio wr publishd i th Bolivar Commrcial i April. Svral customrs wr aturd i Dlta Farm Prss articls that wr writt as part o th covrag o th Lad Bak aual stockholdrs mtig i April.

Lad Bak Hosts 2014 Farm Crdit Busiss Wom s Corc Jssica Staord, vic prsidt o admiistratio, ad othr sta mmbrs rom Lad Bak i Satobia playd host to th wom o th Txas Farm Crdit District this past Ju. Th occasio was th 2014 Aual Farm Crdit Busiss ad Prossioal Wom s (FCBPW) Corc, hld at th Pabody Hotl i Mmphis. Jssica Staord srvd as prsidt o th orgaizatio or 2014. Th corc is hld ach yar or wom who work at Farm Crdit oics i Alabama, Louisiaa,, Nw Mxico ad Txas. This yar, mor tha 100 wom attdd th thr-day vt, which combid traiig, busiss mtigs ad tworkig opportuitis. To op th corc, Lad Bak Chi Excutiv Oicr Gary Gais ad Board Chairma Abbott Myrs oicially wlcomd th group to Mmphis ad th rgio. Craig Shidlr, xcutiv vic prsidt ad chi crdit oicr, ad Calvi Ozir, dirctor, wr also o had to wlcom vryo. Jssica Staord, lt, Lad Bak vic prsidt o admiistratio, visits with kyot spakr Collis Tuohy at th 2014 FCBPW corc. Th day s program aturd prstatios by Agi Bloom o Fidlity Ivstmts ad by Mary Barooski, Kathy Collis ad Ed Bso o Farm Crdit Bak o Txas, who discussd programs ad iitiativs i our Farm Crdit district. Collis Tuohy dlivrd th kyot addrss ollowig th lucho. Sh is th daughtr o Ligh A ad Sa Tuohy, th Mmphis coupl who adoptd Michal Ohr, ormr Ol Miss ootball playr ad osiv tackl or th Supr Bowl XXLVII champios, th Baltimor Ravs. Ohr ow plays or th Tss Titas ad livs i Nashvill. Th Tuohys amily story is chroicld i th movi Th Blid Sid, or which Sadra Bullock, who plays Ligh A Tuohy, wo a Acadmy Award. Collis Tuohy talkd about growig up with Ohr, what hr amily mmbrs ar ivolvd with today, ad th book that vtually bcam th aith-basd movi. Durig th busiss mtig o th ial day o th corc, thr wom rom Lad Bak wr lctd to dirctor positios or 2015: Stphai Wilki, loa opratios maagr ad compliac oicr, Satobia admiistrativ oic; Vicki Collis, oic assistat, Starkvill brach; ad Laur Bll, clrical assistat, Tuplo brach. Th FCBPW s corc will b hld i Corpus Christi, Txas, i 2015, ad i Lubbock, Txas, i 2016. Satobia Hadquartrs Expads, Rcivs Bautiicatio Award Sta ad local digitaris clbratd th compltio o th wly xpadd Lad Bak hom oic i Satobia with a ribbo-cuttig crmoy o Aug. 19, coordiatd by Tim Klimr, xcutiv dirctor o th Tat Couty Ecoomic Dvlopmt Foudatio. Satobia Mayor Ala Callicott spok o bhal o th city assmbly, thakig Lad Bak or big a positiv cotributor to th local coomy ad commuity. Lad Bak Prsidt ad CEO Gary Gais gav a bri history ad xplaatio o th Farm Crdit Systm. Followig his rmarks, th ribbo was cut ad rrshmts wr srvd, whil gusts tourd th w acility. As a addd surpris ad caus to clbrat, th Bautiicatio Award Committ o Tat Couty prstd Lad Bak with its quartrly city bautiicatio sig ad trophy i rcogitio o th w additio to th buildig ad th surroudig ladscap.

Mai Strt Gos to Wall Strt Matthw Ra Participats i Farm Crdit Ladrship Program th wll-udd Farm Crdit Systm, th uds w ld to armrs ad rachrs ollow a uiqu path. This past summr, participats i th Farm Crdit Associatio Ladrs Program had th opportuity to mt som o th bod dalrs, iacial xprts ad policymakrs rsposibl or th smooth ad cotiuous low o uds rom Wall Strt to arms ad rachs srvd by Lad Bak. Hostd by th Farm Crdit Bak o Txas, th aual program taks Farm Crdit mploys to iacial ad policy orgaizatios i th Nw York City ara ad Washigto, D.C., or our days. Matthw Ra, vic prsidt o th Satobia brach, was Lad Bak s rprstativ or th program this yar. For Matthw, th highlight o th trip was visitig th Fdral Farm Crdit Baks Fudig Corporatio i Nw Jrsy. Larig how th bods that ud our loas ar sold was a vry iormativ ad itrstig part o th trip, h said. Matthw also joyd th rry trip to Nw York, whr dlgats visitd Wall Strt ad mt with ivstmt brokrag dalrs who buy ad sll th Farm Crdit scuritis. H urthr otd that th trip riorcd his kowldg that Farm Crdit is a soud, viabl systm that is wll rspctd i th major U.S. moy markts ad i th global bakig commuity. Participatig i th corc strgthd my udrstadig o how th Farm Crdit Systm works ad how it rlats to us at th associatio lvl, said Matthw. O Capitol Hill, h had th opportuity to visit with Ss. Thad Cochra ad Rogr Wickr ad Rp. Grgg Harpr about th importac o Farm Crdit ad how it hlps rural ladowrs ad armrs i. From lt to right ar Jamy Nicholas, Southr AgCrdit loa oicr, Ridglad brach; S. Thad Cochra; ad Matthw Ra, Satobia brach maagr Picturd with Nw York City as th backdrop ar th 2014 Farm Crdit associatio ladrs. Matthw Ra is ourth rom lt.

Brakig Rcords, Brakig Groud Lad Bak Ss Growth i Rural Ldig Rpritd rom th Busiss Joural, Ju 6, 2014. By Lisa Moti, cotributig writr. usiss has b boomig at Lad Bak, th 90-plus-yar-old iacial srvics providr whos sta spcializs i ldig or rural livig ad agricultural customrs across th orthr part o th stat. Lad Bak is a privat cooprativ, owd by its borrowrs through th purchas o stock. Th amout o stock is dtrmid by th siz o th loa. Stockholdrs rciv a aual dividd basd o th proitability o th associatio. From 2004 through 2009, Lad Bak rturd $15,052,995 to its mmbr-borrowrs. Th bak maks loas to buy lad, riac mortgags ad othr dbts, build homs, mak proprty improvmts, costruct or improv agribusiss acilitis, ad purchas quipmt. It is suprvisd by a board o dirctors lctd by th borrowrs o th associatio. Th last svral yars or us hav b rcord yars as ar as growth i loas, said B Bavrs, vic prsidt ad brach maagr o Lad Bak s Tuplo oic. Loa growth rmaid stady whil loa volum icrasd. Busiss has b grat. Th bak is part o th atiowid Farm Crdit Systm, cratd by Cogrss arly 100 yars ago to hlp armrs gt loas. It is ailiatd with th Farm Crdit Bak o Txas, i Austi, Txas. Th Farm Crdit Bak provids udig or th associatio by sllig bods to ivstors i th atio s moy markts. Lad Bak is hadquartrd i Satobia ad has oics i Clarksdal, Clvlad, Corith, Idiaola, Kosciusko, Louisvill, Nw Albay, Starkvill ad Tuplo. W srv 32 coutis, rom th Alabama li to th Rivr ad up to th Tss li, Bavrs said. His oic covrs sv o th coutis. Our trritory is vry divrs. It strtchs rom th Dlta to th Hill sctio o. Th baks or loas to rural customrs who wat to plat crops or build a cabi i th coutry. W ca mak loas to olks i ay stat i th Uitd Stats, h said. It s all basd o whr th borrowr livs. I you liv i o o our 32 coutis, w ca hlp you buy lad prtty much aywhr. Bcaus o a combiatio o actors, croplad is i high dmad, ad so is th dmad or lad suitabl or hutig ad othr rcratioal activitis. Th ovrall halth o th stat o agricultur i has b trmdous i th last iv yars, i particular with good commodity prics, avorabl wathr ad growig coditios, Bavrs said. W r sig rcord prics o armlad i our ara. Th dmad or what w call rcratioal ivstmt-typ proprtis ad timbr tracts is stady. Bcaus th markt is strog, Bavrs said, i lad is suitabl or growig a crop or raisig cattl, it s b utilizd. Th way th markt ad commodity prics hav b, thr ar a lot o olks who hav plowd up pasturs ad turd it ito armlad, otd Bavrs. Cattl prics ar at a all-tim high, so you v got all availabl pasturs big usd or cattl productio. Agricultur is th No. 1 idustry i th stat, so it s b good th last w yars or all our armrs i. Bavrs said Lad Bak givs customrs spcializd, local srvics. W l w hav th bst rats ad trms availabl, h said. This is what w do day i ad day out as a agricultural ldr. Our kowldg o agricultur ad lad i gral sts us apart rom a commrcial ldr.

2014 mississippi Lad Ba 2014 Lad Bak 2014 mississippi Lad Bak 2014 mississippi Lad Bak - THE ONLY INVESTMENT MORE VALUABLE THAN May yars ago, Lad Bak cratd a scholarship program with uivrsitis i our trritory as a way to support highr 2014 ducatio locally. Th program mississippi was - vtually THE ONLY xpadd INVESTMENT to also iclud commuity MORE Lad collgs. VALUABLE THAN Bak LAND I W try to mak sur that th scholarships - THE go ONLY to childr INVESTMENT or gradchildr o MORE VALUABLE Bak customrs whvr THAN possibl, LAND I as customrs rciv priority or th scholarships. 2014 mississippi Stat Uivrsity Lad SKYLAR Bak BUFORD W joy th rlatioships that w - orm THE with th ONLY collgs, Stat INVESTMENT uivrsitis Uivrsity ad, o cours, MORE th studts, SKYLAR VALUABLE ad BUFORD w dlight THAN i prstig LAND our 11 scholarship rcipits or 2014-15. Skylr Skylr Buord, Buord, a trig a trig - THE ONLY Stat rshma rshma majorig INVESTMENT Uivrsity majorig i Aimal i ad Aimal Dairy Scic MORE VALUABLE SKYLAR ad Dairy at BUFORD Scic Stat, at is a 2014 hoors Stat, is a THAN LAND IS graduat graduat rom rom Starkvill Starkvill High School High ad School a ad a Scholar. Sh Scholar. is th daughtr Sh is o th Troy daughtr ad Daa o Buord. Troy ad Whil Daa i Bu Skylr high high school, Buord, school, sh a was sh trig lctd was lctd rshma as a class as majorig rprstativ a class rprstativ i Aimal or Studt ad Dairy or Govrmt Studt Scic Govrmt Associatio at hr Associatio Stat, juior is ad a 2014 sior hr hoors juior yar. a graduat Skylr Skylr was rom also Starkvill was a also mmbr High a mmbr o Stat th School Natioal ad o th Natioal Hoor Uivrsity a Socity, Scholar. Hoor ad Socity, sh Sh rcivd is th SKYLAR daughtr ad th sh highst o rcivd avrag BUFORD Troy ad th highst award Daa i Buord. avrag Botay Whil i award 2014. i i B high Atr school, Atr collg, sh Buord, collg, Skylr was a Stat trig Skylr plas lctd Stat to as plas work a class Uivrsity rshma to with rprstativ work thrapy majorig Uivrsity with aimals. or Studt Govrmt Associatio hr juior ad sior yar. i thrapy SKYLER Aimal aimals. Skylr was also a mmbr o th Natioal Hoor Socity, ad ad sh BUFORD rcivd Dairy SKYLAR Scic th highst at BUFORD avrag award Stat, i is Botay a 2014 i hoors 2014. graduat rom Starkvill High School ad a Scholar. Sh is th daughtr o Troy ad Daa Buord. Whil i Skylr Atr collg, Buord, Skylr a trig plas to rshma work with majorig thrapy i aimals. Aimal ad Dairy Scic at Stat, is a 2014 hoors Skylr high Buord, school, a sh rshma was lctd majorig as a class i aimal rprstativ ad dairy or scic Studt at Govrmt Stat, Associatio is a 2014 hr hoors juior graduat ad sior yar. graduat rom Starkvill High School ad a Scholar. Sh is th daughtr o Troy ad Daa Buord. Whil i o Skylr Starkvill was High also a School mmbr ad a th Natioal Hoor Scholar. Socity, Sh ad th sh daughtr rcivd o Troy th highst ad Daa avrag Buord. award Whil i Botay i high i 2014. high school, sh was lctd as a class rprstativ or Studt Govrmt Associatio hr juior ad sior yar. Uivrsity school, Atr sh collg, was lctd Skylr plas a class o to rprstativ work with thrapy to th aimals. Studt Govrmt JAMES Associatio MASSEY i hr juior ad sior Skylr was also a mmbr th Natioal Hoor Socity, ad sh rcivd th highst avrag award i Botay i 2014. yars. Uivrsity Skylr was also a mmbr o th Natioal Hoor Socity, ad sh rcivd JAMES th highst MASSEY avrag award i Uivrsity Atr collg, Skylr plas to work with thrapy aimals. botay Mr. Jams i 2014. Massy, Atr o collg, Hor o Skylr Lak, MS plas is has to work rcivd with th thrapy 2014 aimals. JAMES Lad MASSEY Bak Scholarship or Th Uivrsity o. Mr. Jams Jams Massy, is currtly o Hor a sior Lak, at MS Ol Miss has ad rcivd is pursuig th a 2014 BBA i Maagmt Lad Iormatio Bak Scholarship Systms. or Th Mr. Jams Massy, o Hor Lak, MS has rcivd th 2014 Lad Bak Scholarship or Th Uivrsity Uivrsity o. o. Jams Jams is currtly is currtly a sior at a sior Ol at ad Ol Miss pursuig ad JAMES a is BBA pursuig MASSEY Maagmt a BBA i Iormatio Maagmt Systms. Iormatio Uivrsity o JAMES MASSEY Uivrsity o JAMES MASSEY Jams Mr. Massy Jams Massy, o Hor o Lak Hor has Lak, rcivd MS is has th rcivd 2014 th 2014 Lad Bak Lad Scholarship Bak Scholarship to Th Uivrsity or Th Uivrsity o. Mr. o. Jams Massy, Jams Jams is o a Hor sior is currtly Lak, at Ol MS a sior Miss, has whr at rcivd Ol Miss h th is ad pursuig 2014 is pursuig a BBA a BBA i Lad maagmt i Bak Maagmt Scholarship iormatio Iormatio Th systms. Uivrsity Systms. o. Jams is currtly a sior at Ol Miss ad is pursuig a BBA i Maagmt Iormatio Systms. Uivrsity or Wom CARRIE STEPHENSON Uivrsity or Wom CARRIE STEPHENSON Uivrsity or Wom CARRIE STEPH Mrs. Carri Stphso is rom Columbus, MS ad is pursuig a bachlor dgr i Maagmt o Iormatio Systms rom Uivrsity or Wom. Carri was CARRIE a mmbr STEPHENSON o Phi Thta Kappa at East Mrs. Carri Stphso is rom Columbus, MS ad is pursuig a bachlor dgr i Maagmt o Iormatio Commuity Collg. Mrs. Stphso srvs o svral committs i th commuity adis marrid to Oswald Systms Mrs. rom Carri Stphso Uivrsity is rom or Columbus, Wom. Carri or MS was ad Wom a is mmbr pursuig o Phi a bachlor Thta CARRIE Kappa dgr STEPHENSON at East i Maagmt o Carri Stphso. Stphso Thy o hav Columbus a 26 yar is pursuig old so ad a bachlor s a 14 yar dgr old daughtr. i maagmt Carri o is th iormatio daughtr systms Mrs. Columbus, rom Carri MS Stphso ad is Uivrsity mployd is rom or Columbus, with Wom. Librty MS Sh Natioal ad was is a pursuig mmbr Isurac o a Compay bachlor Phi Thta dgr as Kappa a tmporary i at Maagmt East licsd o agt. at Eas o Addi Clay o Commuity Systms Collg. rom Mrs. Stphso Uivrsity srvs o or or svral Wom. committs Wom Carri i was th a commuity mmbr CARRIE o adis STEPHENSON Phi marrid Thta to Kappa Oswald Stphso. Iormatio Commuity Mrs. Commuity Thy Carri Collg. Stphso Collg. hav a 26 Carri rom srvs Mrs. yar old Columbus, o Stphso ad a svral MS committs ad srvs 14 yar is pursuig o old th svral daughtr. a commuity. bachlor committs Carri is th dgr Sh i ad Maagmt i daughtr hr th husbad, commuity o Addi o Iormatio Oswald, adis Clay o marri Systms Columbus, rom MS ad mployd Uivrsity with Librty or Wom. Natioal Carri Isurac was a mmbr Compay o as Phi a tmporary Thta Kappa licsd at East agt. hav Systms Commuity a Stphso. so, rom 26, ad Collg. a Thy daughtr, Mrs. hav Uivrsity Stphso 14. a Carri 26 or yar is srvs Wom. mployd old o so Carri svral with ad was committs Librty a 14 a mmbr yar Natioal old i o th Phi daughtr. Isurac commuity Thta Kappa Compay Carri adis at East marrid is as th a daughtr to Oswald o A tmporary Commuity licsd Collg. agt. Mrs. Sh Stphso is th daughtr srvs o o Addi svral Clay committs o Columbus. Stphso. Columbus, Thy MS hav ad a 26 is mployd yar old so with ad Librty a 14 yar Natioal old daughtr. Isurac i th Carri commuity Compay is th adis daughtr as marrid a tmporary o Addi to Oswald Clay licsd o Vally Stat Uivrsity MACAIYA BRADLEY Stphso. Columbus, MS Thy ad hav mployd a 26 yar with old so Librty ad a Natioal 14 yar Isurac old daughtr. Compay Carri as is a th tmporary daughtr licsd o Addi agt. Clay o Columbus, MS ad Vally mployd Stat with Librty Uivrsity Natioal Isurac MACAIYA Compay as BRADLEY a tmporary licsd agt. Macaiya Bradly, o Clvlad, Vally MS, is a juior Stat Vally Stat Uivrsity majorig MACAIYA i Busiss BRADLEY Admiistratio with a mior Accoutig. Sh currtly holds a 3.2 grad poit avrag ad atr graduatio, Macaiya plas to pursu Macaiya Macaiya Bradly Bradly, o o Clvlad, MS, a juior is a juior Vally Vally Stat Uivrsity (MVSU), majorig majorig Busiss i Admiistratio busiss admiistratio with a mior is accoutig. Atr graduatio, sh plas to pursu a mastr s dgr a Mastr s Dgr i Halth Admiistratio i halth admiistratio, i Vally Vally Vally i hops o th hop o bcomig Stat Stat Stat bcomig a CEO chi Uivrsity o a mdical acility. Macaiya is a MACAIYA mmbr o B with a mior Accoutig. Sh currtly holds a 3.2 grad poit avrag ad atr graduatio, MACAIYA Macaiya plas BRADLEY to pursu th MVSU Bad auxiliary sctio whr sh has srvd as captai or two yars. Hr hobbis xcutiv oicr o a MACAIYA iclud acility. Macaiya BRADLEY dacig, shoppig a Mastr s Dgr Halth Admiistratio hops o bcomig a CEO a mdical acility. Macaiya is a is mmbr a o ad Macaiya big with Bradly, rids ad o Clvlad, amily. MS, is a juior at Vally Stat Uivrsity majorig i Busiss A mmbr Macaiya th MVSU o Bradly, th Bad MVSU auxiliary o Clvlad, Bad sctio auxiliary MS, whr is a sctio, juior sh has at whr srvd sh as captai has Vally srvd or Stat two as Uivrsity captai yars. Hr or majorig hobbis two yars. iclud Busiss dacig, Admiistratio shoppig Macaiya Bradly, o Clvlad, MS, is a juior at Vally Stat Uivrsity majorig i Busiss Admiistratio with with a mior a mior is Accoutig. is Accoutig. Sh currtly Sh currtly holds a 3.2 holds grad a poit 3.2 grad avrag poit ad atr avrag graduatio, ad atr Macaiya graduatio, plas to Macaiya pursu p ad big with rids ad amily. with mior is Accoutig. Sh currtly holds a 3.2 grad poit avrag ad atr graduatio, Macaiya plas to pursu a Mastr s a Mastr s Dgr Dgr i Halth i Halth Admiistratio Admiistratio hops o i bcomig hops o a bcomig CEO o a mdical a CEO acility. o a mdical Macaiya acility. is a mmbr Macaiya o i a Mastr s Dgr i Halth Admiistratio i hops o bcomig a CEO o a mdical acility. Macaiya is a mmbr o th th MVSU MVSU Bad Bad auxiliary auxiliary sctio sctio whr sh whr has srvd sh has captai srvd or as two captai yars. or Hr two hobbis yars. iclud Hr hobbis dacig, iclud shoppig dac Dlta th MVSU Stat Bad auxiliary Uivrsity sctio whr sh ROBERT has srvd BROWN as ROBERT captai or two BROWN yars. Hr hobbis iclud dacig, shoppig ad big with rids ad amily. ad big ad big with rids with rids ad amily. ad amily. Dlta Rob Brow, Stat rom Clvlad, Uivrsity, is a sior Busiss ROBERT Admiistratio BROWNmajor at Dlta Stat Uivrsity. H is a Rob Brow, so o Tom ad Doa Brow o Clvlad, is a sior majorig i busiss admiistratio at Dlta Eagl Scout Stat Uivrsity ad a mmbr (DSU). o th H Ordr a o Eagl th Arrow. Scout ad At DSU, a mmbr Rob is o a mmbr th Ordr o th o th Kappa Arrow. Alpha At Ordr DSU, whr h Rob Brow, rom Clvlad,, is a sior Busiss Admiistratio major at Dlta Stat Uivrsity. H is a Rob has is srvd a mmbr as rcruitmt o th Kappa chair Alpha ad historia, Ordr, whr th SGA h has Sat, srvd th as Studt rcruitmt Alumi chair Associatio, ad historia. ad trasurr H is o th Dlta Eagl Scout also a mmbr Stat ad a mmbr o th uivrsity s Uivrsity o th Ordr o th Arrow. SGA Sat ad Studt ROBERT ROBERT At DSU, Rob Alumi BROWN BROWN is a mmbr o th Kappa Alpha Ordr whr h Fiacial Maagmt Associatio. His slctd hoors iclud Dlta Associatio, Mu Dlta Hoor ad is Socity, trasurr Prsidt s o th DSU ad Da s Dlta has srvd as rcruitmt Stat chair Uivrsity ad historia, th SGA Sat, th ROBERT Studt Alumi BROWN Associatio, ad trasurr o th Fiacial Lists, th Maagmt Hssy Foudatio Associatio. scholarship, His hoors ad iclud th Bolivar Dlta Couty Mu Dlta Eagl Hoor Scout Socity, scholarship. Prsidt s Rob s parts ad ar Tom Da s Rob Rob Fiacial Brow, Brow, Maagmt Lists, th rom rom Hssy Clvlad, Clvlad, Associatio. Foudatio,, His slctd is scholarship a sior a sior hoors Busiss Busiss iclud ad th Admiistratio Admiistratio Dlta Mu Dlta Bolivar Couty major major Hoor Eagl at Dlta at Dlta Socity, Scout Stat Stat scholarship. Uivrsity. Prsidt s Uivrsity. H ad is H Da s is a ad Doa Brow o Clvlad,. Eagl Eagl Lists, Rob Scout th Scout Brow, Hssy ad ad a a mmbr rom mmbr Foudatio Clvlad, o o th th Ordr scholarship, Ordr, o o th th Arrow. ad Arrow. th is At a Bolivar At sior DSU, DSU, Rob Couty Busiss Rob is a is mmbr Eagl a mmbr Admiistratio Scout o th o scholarship. th Kappa Kappa Alpha major Rob s Alpha Ordr at parts Ordr Dlta whr ar whr Stat Tom Uiv h For mor iormatio o scholarships, has has ad srvd Eagl srvd Doa icludig as Scout as Brow rcruitmt rcruitmt how ad o to apply, Clvlad, a mmbr chair chair visit ad our ad. For o wbsit historia, historia, mor th at Ordr iormatio MSLadBak.com, th th SGA o SGA th Sat, o Sat, Arrow. scholarships, th or th call Studt At Studt your DSU, icludig local Alumi Alumi Rob brach how Associatio, is oic. a Associatio, to mmbr apply, ad visit o ad trasurr our th trasurr wbsit Kappa o at th o Alpha th O Fiacial has srvd Maagmt as rcruitmt Associatio. MSLadBak.com chair His His slctd slctd historia, hoors hoors iclud call iclud th your SGA Dlta local Dlta Sat, Mu brach Mu Dlta Dlta oic. th Hoor Hoor Studt Socity, Socity, Alumi Prsidt s Prsidt s Associatio, ad ad Da s Da s ad tr For mor iormatio o scholarships, icludig how to apply, visit our wbsit at MSLadBak.com, or call your local brach oic. Lists, th th Hssy Foudatio scholarship, ad ad th th Bolivar Bolivar Couty Couty Eagl Eagl Scout Scout scholarship. scholarship. Rob s Rob s parts parts Tom ar Tom Fiacial Maagmt Associatio. His slctd hoors iclud Dlta Mu Dlta Hoor Socity, Prsid

Scholarship Rcipits k Scholarship Rcipits Scholarship Rcipits IS IN THE EDUCATION OF OUR Rcipits FUTURE LEADERS - k IS Scholarship IN THE EDUCATION OF OUR FUTURE LEADERS Rcipits - IS IN THE EDUCATION OF OUR FUTURE LEADERS - s rs rs r. r.. 4. r. s 4. r.. y y y i d i d i d i d g g g s s s s IS IN THE EDUCATION OF OUR FUTURE LEADERS - IS IN THE EDUCATION OF OUR FUTURE LEADERS - PHOTO PHOTO NOT AVAILABLE NOT AVAILABLE PHOTO PHOTO NOT NOT AVAILABLE AVAILABLE Northwst MS Commuity Collg STUART FRAZIE Northwst MS Commuity Collg STUART FRAZIER Northwst Northwst MS MS Commuity Commuity Collg STUART FRAZIER Collg STUART FRAZIE THE ONLY INVESTMENT MORE VALUABLE THAN LAND IS IN THE EDUCATION OF OUR FUTURE LEADERS Stuart Frazir o Oxord is a rct graduat o Oxord High School. Mr. Frazir playd th Frch ho Stuart bad Frazir ad was o a Oxord mmbr is a o rct th spch graduat ad o dbat Oxord tam. High Stuart School. is Mr. activ Frazir i his playd church th assistig Frch hor with vacat i th bad Stuart school ad Frazir ad was othr a mmbr o Oxord church o th is a programs. spch ad rct graduat H dbat plas tam. o Oxord to major Stuart High i is School. Accoutig activ his Mr. Frazir ad church atr assistig playd Northwst, with th Frch h vacatio hor plas bibl i to tha Northwst school bad MS Commuity Collg STUART FRAZIER Stuart Uivrsity ad othr ad Frazir was o a mmbr o. church programs. H plas to major i Accoutig ad atr Northwst, h plas to attd th Uivrsity o. Oxord o th is a spch rct ad graduat dbat o tam. Oxord Stuart High is activ School. i his Mr. church Frazir assistig playd with th vacatio Frch bibl ho school Stuart bad Stuart Frazir ad Frazir o was othr Oxord a church mmbr programs. o Oxord is a rct o is a graduat th spch H plas rct graduat o Oxord ad to dbat major o High tam. i Accoutig Oxord School. Stuart High H School. playd is ad activ atr Mr. th Frch i Northwst, his Frazir hor church h playd i assistig plas to th bad with attd vacat th Uivrsity Frch hor i t ad was school bad a mmbr ad o othr. ad was o a mmbr th church spch programs. o ad th spch dbat tam. H plas ad dbat Stuart to tam. is major activ Stuart i i his Accoutig is church, activ i assistig ad atr his church with Northwst, assistig vacatio Bibl h plas to at with vacatio bib school school Uivrsity ad othr ad othr church o. church programs. programs. H is majorig H plas i to accoutig, major Accoutig ad atr Northwst ad atr Commuity Northwst, Collg, h plas to attd t plas Uivrsity to attd Th o. Uivrsity o. Northwst MS Commuity Collg STUART FRAZIER Northast MS MS Commuity Collg Collg JOHN DANIEL JOHN DANIEL DERRICK DER Northast MS Commuity Collg JOHN DANIEL DERRICK Northast MS Commuity Collg JOHN DANIEL DER Northast MS Commuity Collg DANIEL DERRICK Mr. Mr. Dail Dail Drrick Drrick is th is th so so o Johy o Johy & Laura & Laura Drrick. Drrick. Dail Dail graduatd graduatd rom Alcor rom Alcor Ctral. Ctral. Whil i Whil high school was was ivolvd i svral i svral clubs clubs icludig icludig FFA, FFA, FBLA, FBLA, Studt Studt Coucil, Coucil, FCA ad FCA Bta ad Club. Bta This Club. yar Th Northast Mr. will Dail will srv srv Drrick stat stat is MS Vic th Vic so Prsidt o Johy Commuity or & FFA. or Laura FFA. Also Drrick. Also Mr. Drrick Mr. Dail Drrick Collg was graduatd a was chartr a rom chartr mmbr Alcor JOHN mmbr o Ctral. DANIEL Northast o Whil Northast DERRICK Collgiat i high C Dail FFA school Drrick is th so o Johy ad Laura Drrick ad a graduat o Alcor Ctral High School. Whil i high Mr. FFA Chaptr. school, Dail h was H ivolvd h Drrick H currtly i svral attds was ivolvd is th i so attds clubs Northast svral o clubs, Johy Northast icludig Commuity FFA, icludig & Laura FBLA, Collg Studt FFA, Drrick. FBLA, Studt Dail Collg ad Coucil, will Coucil, graduatd ad go will to FCA MSU FCA rom go ad to to ad Alcor MSU Bta iish Bta Club. Ctral. to Club. his iish dgr This Whil his ya id Agricultural h H was Mr. school will srv Educatio. a Dail chartr h was Drrick stat Vic Prsidt or FFA. Also Mr. Drrick was a chartr mmbr o Northast Collgiat FFA Chaptr. mmbr H ivolvd currtly is o th th so i Northast attds svral o Johy Northast Collgiat clubs & Laura icludig Commuity FFA Drrick. Chaptr, FFA, Dail Collg ad FBLA, this graduatd ad yar Studt will h will rom go Coucil, srv to Alcor MSU as stat FCA to Ctral. iish FFA ad Bta his Whil dgr Club. i hig i Th vic prsidt. Agricultural school h will h srv Currtly was Educatio. as ivolvd stat rolld Vic i svral at Prsidt Northast clubs or Commuity icludig FFA. Also FFA, Collg, Mr. FBLA, Drrick Dail Studt plas was Coucil, to a attd chartr FCA mmbr ad Bta Stat o Club. Northast This y C Uivrsity h FFA will Chaptr. to srv iish as his H stat dgr currtly Vic i agricultural Prsidt attds or ducatio. Northast FFA. Also Commuity Mr. Drrick was a chartr ad will mmbr go to o MSU Northast to iish Collgia his d Itawamba FFA Agricultural Chaptr. Educatio. H currtly attds Northast ad will go to MSU to iish his dgr Commuity Collg GABRIELL GABRIELL CANNON CANNON Agricultural Educatio. Itawamba Commuity Collg GABRIELL CANNON Gabrill Cao, o Caldoia, MS is a Busiss Fiac major at Itawamba Commuity Collg. Atr Gabrill Cao, o Caldoia, MS is a Busiss Fiac major at Itawamba Commuity Collg attdig Itawamba, Ms. Cao plas to attd Stat Uivrsity ad ar hr bachlor s dgr Gabrill Cao o Caldoia is a busiss iac major Itawamba Commuity Collg. Atr attdig i Gabrill attdig Busiss Cao, Fiaac. Itawamba, o Caldoia, Itawamba, sh plas to attd Commuity Ms. Cao MS plas is a Busiss to attd Fiac Stat Uivrsity ad Collg Collg major Stat Itawamba Uivrsity GABRIELL Commuity ad ar CANNON Collg. hr bachlor At attdig Busiss Itawamba, Fiaac. Ms. Cao plas to attd ar hr Stat bachlor s Uivrsity dgr GABRIELL ad i busiss ar CANNON hr iac. bachlor s dgr i Busiss Fiaac. Gabrill Cao, o Caldoia, MS is a Busiss Fiac major at Itawamba Commuity Collg Gabrill Cao, o Caldoia, MS is a Busiss Fiac major at Itawamba Commuity Collg. At attdig attdig Itawamba, Itawamba, Ms. Ms. Cao Cao plas plas to attd to attd Stat Stat Uivrsity Uivrsity ad ar ad hr ar bachlor s hr bachlor dgr i i Busiss Busiss Fiaac. Fiaac. Itawamba Commuity Collg GABRIELLE CANNON Coahoma Coahoma Commuity Commuity Collg Collg ROMAN FULLILOVE ROMAN FULLILOVE Coahoma Coahoma Commuity Commuity Collg Collg ROMAN FULLILOVE ROMAN FULLILOVE Coahoma Commuity Collg ROMAN ROMAN FULLILOVE Mr. Roma Fullilov, o Tuica, MS is attdig Coahoama Commuity Collg ad majorig i Busiss Roma Maagmt. Fullilov o Tuica is attdig Coahoma Commuity Collg, whr h is majorig i busiss Mr. Roma H Fullilov, currtly hold o Tuica, a 3.5 GPA MS ad is is attdig th so o Coahoama Hry L Fullilov Commuity ad Gorgaa Collg ad Bll Fullilov. majorig i maagmt. Mr. Roma H Fullilov, is th so o o Hry Tuica, L MS Fullilov is attdig ad Gorgaa Coahoama Bll Fullilov. Maagmt. H currtly hold a 3.5 GPA ad is th so o Hry Commuity L Fullilov Collg ad ad Gorgaa majorig Bll i Busis Fullilo Maagmt. H currtly hold a 3.5 GPA ad is th so o Hry L Fullilov ad Gorgaa Bll Fullilov. Mr. Roma Fullilov, o o Tuica, MS MS is is attdig Coahoama Commuity Collg Collg ad majorig ad majorig Busi Maagmt. H H currtly hold hold a 3.5 a 3.5 GPA GPA ad ad is th is th so so o Hry o Hry L Fullilov L Fullilov ad Gorgaa ad Gorgaa Bll Fullilov. Bll Fullilo Rust Collg Collg SHIRLEY SHIRLEY BEAN-WALKER BEAN-WALKER Rust Collg SHIRLEY SHIRLEY BEAN-WALKER BEAN-WALKER SHIRLEY BEAN-WALKER Rust Collg SHIRLEY BEAN-WALKER Shirly Ms. Ba-Walkr Shirly Ba-Walkr, o Holly Sprigs o Holly attds Sprigs, Rust MS, Collg, is attdig whr sh Rust is pursuig Collg a ad dgr pursuig busiss a dgr i Busiss admiistratio. Admiistratio. Sh is Ms. currtly Ba-Walkr a juior is at a th Juior collg. ad currtly holds a 3.24 GPA. Ms. Ms. Shirly Shirly Ba-Walkr, o Holly o Holly Sprigs, Sprigs, MS, MS, is attdig is attdig Rust Collg Rust Collg ad pursuig ad pursuig a dgr a dgr i Busis Admiistratio. Ms. Ms. Ba-Walkr is a Juior is a Juior ad currtly ad currtly holds holds a 3.24 a GPA. 3.24 GPA. Ms. Shirly Ba-Walkr, o Holly Sprigs, MS, is attdig Rust Collg ad pursuig a dgr i Busi Admiistratio. Ms. Shirly Ba-Walkr, Ms. Ba-Walkr o Holly is a Juior Sprigs, ad MS, currtly is attdig holds a 3.24 Rust GPA. Collg ad pursuig a dgr i East Admiistratio. Ctral Ms. Ba-Walkr Commuity is a Juior ad currtly Collg holds a 3.24 GPA. ZACHARY ALLEN Zachary All, a graduat o Wisto Acadmy, trd East Ctral Commuity this all with plas to East latr Mr. trasr Zachary Ctral to All Th Uivrsity is a graduat o Commuity o Wisto to Acadmy, major i biochmistry. trig East Collg H Ctral is a mmbr Commuity ZACHARY o ZACHARY South Collg Louisvill ALLEN i th ALLEN all with Baptist plas Church to latr ad trasr is ivolvd to th with Uivrsity youth ladrship o miistris. to major H i volutrs Biochmistry. i his H commuity is a mmbr through o South th Louisvill Louisvill s Baptist Mr. Zachary Mayors Church All Youth ad is Coucil, ivolvd a graduat with th o Boys youth Wisto ad ladrship Girls Acadmy, Club miistris. ad trig th Fllowship His East commuity Ctral o Christia Commuity srvic Athlts. activitis Collg iclud th Louisvill s Mr. Zachary All is a graduat o Wisto Acadmy, trig East Ctral Commuity Collg all i with th East Mayors plas to Youth Ctral latr trasr Coucil, to th Boys Uivrsity Commuity ad Girls o Club ad th to major Fllowship Collg i Biochmistry. o Christia H Athlts. ZACHARY is a mmbr o ALLEN South Louisvill plas to latr trasr to th Uivrsity o to major i Biochmistry. H is a mmbr o South L East Baptist Church Ctral ad is ivolvd Commuity with youth ladrship miistris. His Collg commuity srvic activitis ZACHARY iclud ALLEN Louisvill Baptist Church ad is ivolvd with youth ladrship miistris. His commuity srvic activitis iclud Lo Mayors Mr. Zachary Youth All Coucil, is a th graduat Boys ad o Wisto Girls Club Acadmy, ad th Fllowship trig East o Christia Ctral Commuity Athlts. Mayors Youth Coucil, th Boys ad Girls Club ad th Fllowship o Christia Collg i th all wi MISSISSIPPI Athlts. LAND BANK plas Mr. Zachary to latr trasr All is to a th graduat Uivrsity o Wisto o Acadmy, to major trig Biochmistry. East Ctral H is Commuity a mmbr o Collg South Louisvi i th Baptist plas to Church latr trasr ad is ivolvd to th Uivrsity with youth ladrship o miistris. to major His i commuity Biochmistry. srvic H activitis is a mmbr iclud o Louisvill South L East Ctral Commuity Collg ZACHARY ALLEN

Lad Bak Sta Toll Fr (866) 560-9664 msladbak.com Brachs Clarksdal Brach P.O. Box 639 Clarksdal, MS 38614 (662) 627-4784 bspiks@armcrditbak.com Clvlad Brach P.O. Box 1819 Clvlad, MS 38732 (662) 843-2421 robrt.taylor@armcrditbak.com Corith Brach P.O. Box 1387 Corith, MS 38835 (662) 286-0020 bmarlar@armcrditbak.com Idiaola Brach 100 Court Strt Idiaola, MS 38751 (662) 719-6518 robrt.taylor@armcrditbak.com Part o th Farm Crdit Systm Admiistrativ Oic P.O. Box 667 Satobia, MS 38668 (662) 562-9671 Louisvill Brach 110 S. Columbus Louisvill, MS 39339 (662) 316-8892 tadrso@armcrditbak.com Nw Albay Brach 115 Highway 15 South Nw Albay, MS 38652 (662) 316-4285 mkimbrough@armcrditbak.com Satobia Brach P.O. Box 667 Satobia, MS 38668 (662) 562-9664 mra@armcrditbak.com Starkvill Brach P.O. Box 2470 Starkvill, MS 39760 (662) 323-8150 bcook@armcrditbak.com Gary L. Gais, Prsidt & CEO Craig B. Shidlr, Excutiv Vic Prsidt & Chi Crdit Oicr Roi Sllrs, Vic Prsidt, Capital Markts Matt Wald, Chi Fiacial Oicr David Loti, Vic Prsidt, PCA Opratios Chlsi Smith, Crdit Aalyst Tylr Mullis, Sior Appraisr Jssica Staord, Vic Prsidt, Admiistratio Clair Pgram, Cotrollr Jir Rhods, Assistat Cotrollr Stphai Wilki, Loa Opratios Maagr/Compliac Oicr Mlissa Du, Collatral Custodia Bobby Spiks, Vic Prsidt, Clarksdal Brach Bill Cook, Vic Prsidt, Starkvill Brach B Bavrs, Vic Prsidt, Tuplo Brach Brtt Marlar, Vic Prsidt, Corith Brach Matthw Ra, Vic Prsidt Brach Ldig, Satobia Brach Rob Taylor, Vic Prsidt Brach Ldig, Clvlad Brach Bart Harris, Assistat Vic Prsidt, Starkvill Brach Hutr Taylor, Assistat Vic Prsidt, Satobia Brach Matthw Kimbrough, Assistat Vic Prsidt, Tuplo Brach Tylr Adrso, Loa Oicr, Starkvill Brach L Tuckr, Loa Oicr, Corith Brach Will Foly, Loa Oicr, Tuplo Brach Chris Williams, Loa Oicr, Clvlad Brach J Smith, Loa Oicr, Clarksdal Brach Scott Crocktt, Loa Oicr, Satobia Brach Cidy Lubiai, Loa Admiistrator, Satobia Brach Sally McGarrity, Oic Assistat, Satobia Brach Lida O Nal, Loa Admiistrator, Clarksdal Brach Stlla Prz, Loa Admiistrator, Clvlad Brach Sadra Russll, Loa Admiistrator, Tuplo Brach Laur Bll, Clrical Assistat, Tuplo Brach Misty Lwis, Loa Admiistrator, Starkvill Brach Vicki Collis, Oic Assistat, Starkvill Brach Mary Pogu, Loa Admiistrator, Corith Brach Do Barlow, Vic Prsidt ad Gral Cousl (Austi) Coll Mozigo, Dirctor o Loa Opratios (Austi) Kosciusko Brach 106 E. Washigto Kosciusko, MS 39090 (662) 567-7735 bharris@armcrditbak.com Tuplo Brach 3517 Tom Watso Driv Saltillo, MS 38866 (662) 842-1202 bbavrs@armcrditbak.com