AgChoice Farm Credit is a federally chartered, but locally operated, cooperative that is owned by its borrowers. A minimal stock ownership accompanies a borrowing relationship. In addition, AgChoice Farm Credit allocates its annual earnings (profits) back to its borrowers in proportion to their borrowing for the year. Thus, the business truly operates only to the benefit of the customer. AgChoice Farm Credit farm borrowers purchase stock when they obtain their loans, giving them the right to
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