Ag Navigator

Maximize profitability, while minimizing risk.

The Ag Navigator Risk Management Tool, provided by RFTI, is an exclusive program designed specifically for agricultural producers. The system is designed to minimize risk while increasing cash flows and profitability on a field-by-field basis through the utilization of a production agreement.

One of the primary producer benefits of the Ag Navigator Tool is the fact that it utilizes a combination of Federal Crop Insurance and "add on" protection to minimize risk up to 90%. The Production Agreement delivers a hedge without a cash contract on your crop. At harvest, you still have your crop to sell on the market to further improve profitability. Many producers regularly refer to the Ag Navigator Tool as the best of both worlds.

Ag Navigator utilizes a combination of:

Federal Crop Insurance

w Catastrophic (CAT) - 50%

w Multi-Peril Crop Insurance (MPCI) - 60-85%

w Crop Revenue Coverage (CRC) - 60-85%

Add On Yield Contract

w Additional protection is established at AA- credit rated reinsurance

entity

w Guarantees a high level of cash flow

Grain Hedging

w Futures and Options

Pooling of Grain

w Leveraging of grain to improve basis

Input Savings & Hedges

w Input financing

w Energy hedges

Secure Higher Levels of Cash Flow. A unique feature of the Ag Navigator Production Agreement is that it enables you to plan for and secure higher levels of cash flow on a field-by-field basis. You benefit from the protection of 90% APH, and still have upside potential because you still have a crop to take to market. Once again, you benefit, profit and capitalize on any upside potential as the chart below demonstrates.

Level of Coverage	180 APH x Coverage	36 Yr. Avg $2.62	2007-2009 $3.75
60%	108	$282.96	$405.00
65%	117	$306.54	$438.75
70%	126	$330.12	$472.50
75%	135	$353.70	$506.25
80%	144	$377.28	$540.00
85%	153	$400.86	$573.75
90%	162	$424.44	$607.50

Hedging higher levels at a future average can boost '

cash flows by $135.00.

The Ag Navigator Model

The Ag Navigator Production Agreement is engineered to utilize an "add on" contract from a reinsurance market to protect you up to 90% APH.

APH (180 Bu/Ac)

Underlying Coverage

75% MPCI

15% Stack

Coverage

Price x 90% APH

Bottom Line Income/Ac

A Production Agreement Provides - Flexibility, Flexibility, Flexibility

It's a known fact, Federal Crop Insurance dramatically limits your choices. You are limited to 1 Level per crop/per county. In addition, you have to typically make that decision by March 15th, a good 30 days ahead of planting time.

Contact us if you are interested in a Production Agreement or Add On Yield Contract for your operation.