Badgerland Financial

Board of Directors
Election Results
Join Us for Family Day
at Mount Olympus
Wisconsin Jr. Captain
Contest Details
VOL. 022 May 2014
rural
VIEWS
Badgerland Financial returns almost $9.55 million in
cash patronage dividends
Badgerland Financial closed its 2013 fiscal year with good earnings,
a strong portfolio and a solid capital position. That’s great news for you
and your cooperative!
One of the benefits of doing business with our cooperative is the patronage
program. Because of this year’s strong performance, Badgerland Financial
distributed almost $9.55 million in cash patronage dividends to our
patronage-eligible member-borrowers in March.
“Badgerland Financial is committed to cultivating rural life and helping
our members achieve their goals,” says Diane Cole, CEO. “It pays to work
with us. Not just because we have a strong knowledge of agriculture, but
because members have the opportunity to share in our co-op’s success
through patronage.”
In the past 10 years, Badgerland Financial has returned nearly $85
million to our patronage-eligible member-borrowers to reinvest into their
farms, businesses and local economies. Patronage is just one part of the
cooperative difference!
Want to learn more about how the patronage program works? Check out
our patronage video at badgerlandfinancial.com (under the “Our Company”
section) for a more in-depth explanation.
Here are a just a few reasons why our
members love our patronage program:
“For 40 years, through hard times and good
times, I have benefited from patronage
dividends returned to Badgerland Financial
borrowers. Patronage dividends are our
reward for joining together with our neighbors
throughout rural Wisconsin to access reliable
credit to help us build our future and fulfill our
dreams.” - Dave Kuehl, Hazel Green
“Cash patronage dividends provide a
tremendous value to Badgerland Financial
members. Our slogan, ‘We know ag because
we are ag,’ means you are dealing with
people who know and understand your
business needs.” - Jim Rickert, Eldorado
“In the ever-changing agriculture industry,
where variable, unpredictable weather and
input costs are the norm, it’s reassuring to be
part of a steady and stable cooperative where
the members own the business and receive
patronage when times are good.” - Tim Evert,
North Freedom
This graphic is from our
patronage video available online
at badgerlandfinancial.com.
President’s Message
Spring has arrived (at least on the calendar anyway!) It’s a seasonal shift that naturally
signifies new beginnings and growth, especially for farmers so closely connected to the land.
At Badgerland Financial, it’s this time of year that we, too, find ourselves re-energized about
our role in growing rural Wisconsin and helping you, our customers, achieve your goals.
After all, our roots run deep. Badgerland Financial is proud to be a part of nationwide Farm
Credit System, which is nearing its milestone 100th year of lending support to agriculture
and rural America. The System provides over one-third of the financing for agriculture in the
country, has nearly 500,000 member-borrowers and employs nearly 13,000 people.
So what does this mean for you as a customer of Badgerland Financial?
Diane Cole
CEO
Badgerland Financial
Expertise. Your Badgerland Financial teams know ag and country living, so you benefit
from industry-leading expertise and financial services. Serving agriculture and rural
Wisconsin is who we are and all that we do.
Commitment. We are here for you–in both good and difficult times. You don’t need to
wonder whether we will still be interested in agriculture when your next need arises or the
next cycle hits.
Competitive Pricing. We access the global credit markets at attractive rates, which
helps keep your borrowing cost down. In fact, we help keep interest rates down for all of
agriculture through our consistent, competitive presence.
Local Control. Due to the cooperative structure of the System, you as member-owners
retain local control over Badgerland Financial through your elected Board of Directors.
It is a great time to be a Badgerland Financial customer, for reasons mentioned above but
also for so much more. Just take a look at highlights in this newsletter! I encourage you to
take advantage of what we have to offer.
2014 ELECTION RESULTS
Nominating Committee
The votes have been tallied, and the results are in for
the open Board of Directors positions and Nominating
Committee spots. Thank you for voting, and congratulations
to the winning candidates.
Northeast: Peter Badtke (Ripon)
Ed Montsma (Fond du Lac)
Chris Retzlaff (Ripon)
Board Directors
(elected to a three-year term)
Northeast: Mike Winker (Fredonia)
Northwest: Ken Congdon (Galesville)
Southeast: Sandy Larson (Evansville)
Southwest: Don Leix (Montfort )
(elected to a one-year term)
Northwest: Matt Danzinger (Alma)
Dawn Powell (Norwalk)
Dennis Frame (Osseo)
Southeast: Dorothy Anderson (Cambridge)
Steven Endres (Waunakee)
Todd Kronberg (Milton)
Southwest: Ken Laufenberg (Dodgeville)
Mark Yager (Mineral Point)
Matthew Schmitz (Richland Center)
Beginning with Badgerland Program
Offers Grants for New Farmers
At Badgerland Financial, we take our obligation of serving Wisconsin’s
agriculture industry and its future seriously. Our Beginning with
Badgerland program has been established for beginning agricultural
entrepreneurs, no matter their age or type of agricultural enterprise.
The Beginning with Badgerland program offers grants of up to $1,500
to use towards farm-related training, including tuition costs to enroll in
educational programs. It also includes loan packages tailored to each
beginning farmer’s unique needs; free consultation with tax and accounting
staff, including complimentary evaluation of your tax returns from the past
three years; and business planning and educational workshops designed
specifically for beginning agriculturalists.
To be eligible for the program, an applicant must be farming for less than 10
years, be able to demonstrate that farming is his/her part-time or full-time
vocation, and must be headquartered in Badgerland Financial’s territory.
To date, Badgerland Financial has awarded 78 grants for a total of $40,226.
A majority of the grants have been used to pay for continuing education
programs and conference registration fees.
Whether you’re a current Badgerland Financial customer, next generation
producer or just beginning your farming business, consider the Beginning
with Badgerland program. For more information or for a grant application,
visit badgerlandfinancial.com or contact Paul Dietmann, Emerging Markets
Specialist, at (608) 370-6956 or Paul.Dietmann@badgerlandfinancial.com.
Construction begins on
new Sun Prairie office
Crews have started construction
on the new Badgerland Financial
office in Sun Prairie. The above
illustration depicts the future front of
the building.
Our Madison office will move from its
current location on East Washington
Avenue to this new building
sometime around January 1, 2015.
More office and workstations, larger
conference rooms and ample parking
space are just a few of the benefits
of the new office location.
The new Sun Prairie office will be
located northeast of the intersection
of Reiner Road and Highway 151,
approximately four miles from our
current Madison office.
Smile big for
REDUCED
RATES
on 10-, 15- and 20-year
fixed1 rate real estate loans2
and up to
$1,500 OFF CLOSING COSTS .
3
Equal payments over stated term. 2Excludes Secondary Market Loans. 3Excludes Real Estate Transfer Taxes and Owner’s
Title Policy. Offer valid on applications received on or before August 31, 2014. Minimum loan size $100,000. Applicants
subject to credit approval. ©2014 Badgerland Financial, ACA. Equal Opportunity Provider. NMLS ID 458065.
1
Badgerland Financial
Supports June Dairy
Month Breakfasts
Badgerland Financial is proud to
support the efforts of Wisconsin’s
dairy industry, especially during
June Dairy Month.
This year, we are making a
contribution to dairy breakfasts in
the 33 counties in our service area,
either financially or by donating
“Badgerland’s Barnyard Blast,” our
specialty ice cream produced by
Sassy Cow Creamery.
For a list of these dairy
breakfasts and locations, visit
dairydaysofsummer.com.
Daniels, Schauf Named “AgVocates of the Year”
at the Wisconsin Ag Women’s Summit
More than 300 women were
in attendance to celebrate
their role in agriculture at the
Wisconsin Ag Women’s Summit,
hosted by Badgerland Financial,
Wisconsin Farm Bureau Federation
and UW-Extension on March 14
and 15 in Madison. Laura Daniels,
Cobb, and Karyn Schauf, Barron,
were specially recognized as the
2014 Wisconsin AgVocates of
the Year during Friday evening’s
banquet.
Laura Daniels (above left) and Karyn Schauf inspire the
crowd as they accept the AgVocate of the Year award.
“We all have that moment where we read in the newspaper something that doesn’t
represent the truth of agriculture. We know that someone needs to speak up
on behalf of farmers, and it’s that moment that we realize it’s our time,” Daniels
commented. She and her husband, Jarred, and children, Nathan and Julia, care for
their 300 Jersey cows and 650 acres of crop and pasture land at Heartwood Farm.
“The real key to successful advocating is that, whatever style fits you best, just do
it well,” Schauf shared with attendees. Karyn and her husband, Bob, own and farm
Indianhead Holsteins where they milk 100 registered Holstein cows and market
cattle genetics world-wide.
The Wisconsin Ag Women’s Summit AgVocate of the Year award is given to a
woman who actively and positively represents agriculture to both her peers and
those outside of the agriculture community.
The Summit’s planning committee invites women to save the date for the 2015
Wisconsin Ag Women’s Summit, March 13-14 at the Madison Marriot West in
Middleton. You can follow the Summit on Facebook: facebook.com/Wisconsin.
Ag.Womens.Summit
$
CUSTOMER REFERRAL PROGRAM
Refer a Friend
Do you enjoy working with Badgerland Financial?
Would you refer us to your family, friends and others?
YOU COULD RECEIVE A $50 OR $100 GIFT CARD!
*Certain restrictions apply. See complete disclaimers on the Customer Referral Program Form.
HOW THE PROGRAM WORKS
1.Get a Customer Referral Form online
at badgerlandfinancial.com or at
any Badgerland Financial office.
2.Complete the form, and return it to
Badgerland Financial.
3.Badgerland Financial will follow up
with the referred individual.
4.If your referral results in a new
business relationship with
Badgerland Financial, you will
receive either a $50 Gift Card (tax,
accounting referrals) or $100 Gift
Card (loan referrals).*
Hey Kids...Enter our Wisconsin
JR. CAPTAIN CONTEST
Badgerland Financial is proud to sponsor the
Wisconsin Jr. Captain at each UW Badgers
home football game during the 2014 season.
You could be one of seven lucky winners to
get this once-in-a-lifetime opportunity!
•The Jr. Captain and three
guests will each receive
a ticket and pre-game
sideline pass to a UW
Badgers home football
game (date TBD).
•The Jr. Captain will join
the UW Badgers football
captains at mid-field for
the opening coin toss.
•The Jr. Captain’s name and
a video featuring the Jr.
Captain on the sidelines/
field will be displayed
during the game.
**See reverse page for more details.
Wisconsin Jr. Captain Contest Rules*:
1. Entrant must be entering 3rd through 8th grade for the 2014-2015
school year.
2. Entrant’s parent(s) must be a Badgerland Financial customer at the time
of Jr. Captain selections.*
3. Entrant must have parental permission to enter contest.
4. Entrant must submit all requested information, as well as a:
• short essay explaining why he/she wants to be a Wisconsin Jr. Captain
and describing his/her involvement in agriculture/country living.
• photo in his/her favorite Badgers gear/apparel
5. Entry must be received and/or postmarked by JULY 1, 2014.
* Children of Badgerland Financial employees are not eligible. Previous Jr. Captain contest winners are also not eligible.
Two Ways to Enter:
ONLINE
Go to badgerlandfinancial.com and complete the online entry form.
MAIL
Complete the entry form below and send it with description and photo to:
Badgerland Financial
Attn: WI Jr. Captain Contest
1430 North Ridge Drive
Prairie du Sac, WI 53578
Questions? Please contact Rochelle Schnadt, Marketing Specialist, at
608.370.6708 or Rochelle.Schnadt@badgerlandfinancial.com
*Winners will be selected on or around July 15, 2014. Winners will be notified via phone by a
Badgerland Financial representative.


2014 Wisconsin Jr. Captain Contest sponsored by Badgerland Financial - OFFICIAL MAIL ENTRY FORM
Name:________________________________________________________________Age:______________Grade Entering Fall ‘14:____________
Parent Name(s):_____________________________________________________________Customer Identification Number: _________________
Address:__________________________________________________City_______________________________State______Zip_______________
Phone:______________________________Parental Signature (required):___________________________________________________________
Please indicate the three guests who will accompany entrant on game day:
Name 1:______________________________________________________________Relationship to entrant:_______________________________
Name 2:______________________________________________________________Relationship to entrant:_______________________________
Name 3:______________________________________________________________Relationship to entrant:_______________________________
Please mark any game dates that will NOT work if entrant chosen as winner:
Sept. 6____
Sept. 20____
Sept. 27____
Oct. 11____
Oct. 25____
Nov. 15____
Nov. 29____
Join us for
BADGERLAND FINANCIAL
FAMILY DAY!
Saturday, July 26, 2014
Mt. Olympus Water & Theme Park
1881 Wisconsin Dells Parkway, Wisconsin Dells, WI 53965
Ticket Information
OR
Badgerland Financial is offering customers up to four (4) FREE tickets
and one (1) FREE parking pass per household (no ticket required for
children age 2 and under). Additional tickets can be purchased for $15
each (special reduced rate).* Tickets are available on a first come, first
served basis.
*Payment for additional tickets will be required prior to the event. Please notify
Badgerland Financial ASAP if your order changes. Tickets will NOT be available to
purchase from Badgerland Financial on event day.
Registration Information
Important! Registration deadline is Tuesday, July 1st.
To Register:
1. Go to the Events page on badgerlandfinancial.com and click on the
“2014 Family Day Registration” link.
2. Complete the registration form.
NOTE: If you do not have an Internet connection, please call (855) 608-8777 or
your local Badgerland Financial office to register.
Additional Details
Park Hours: The amusement park opens at 9:00 a.m. The remainder of
the park is open 10:00 a.m. - 7:00 p.m.
Lunch & Drinks: FREE lunch, soda and water will be served from
11:00 a.m. - 3:00 p.m. at an exclusive Badgerland Financial pavilion.
FREE soda will also be available all day. You are free to come and
go from the pavilion the entire day.
Tickets & Parking: Badgerland Financial will be sending your parking
passes and more event details ahead of time. Registration will take
place on-site to enter the park.
Weather Disclaimer: This event will happen rain or shine.
Questions? Please contact Vicky Hill at (608) 754-4715, ext. 3098.
To learn more about Mt. Olympus: www.mtolympuspark.com
Growing to Serve You Better!
Welcome to our new Badgerland Financial team members that have started since our last newsletter.
Stephanie Bartz
Marty Grosse
Customer Service Specialist
Assistant Vice President
Rachael Knickmeier
Insurance Trainee
Janesville
David La Duke
Assistant Vice President
Plymouth
Burlington
Viroqua
Lance Lansing
Assistant Vice President
Dodgeville
Lisa Laudolff
Appraisal Assistant
Fond du Lac
Carolyn Parr
Viroqua
Julian Popp
Insurance Specialist
Burlington
Kinsey Riley
Tax Consultant Trainee
Dodgeville
Denise Schank
Assistant Vice President
Mondovi
Rochelle Schnadt
Marketing Specialist
Corporate
Cynthia Sheskey
Credit Services Specialist
Fond du Lac
Rochelle Sperger
Joe Stevens
Assistant Vice President
Monroe
Courtney Warmka
Insurance Associate
Madison
Brad Yager
Tax Consultant
Dodgeville
Customer Service Specialist
Beaver Dam
Customer Service Specialist
Badgerland Financial Announces
High School Scholarship Recipients
Congratulations to the 20 high school seniors (listed below) who were named
the 2014 Badgerland Financial High School Scholarship Program winners.
Each will receive a $1,000 scholarship in recognition of his or her agricultural,
academic and extracurricular achievements. Visit badgerlandfinancial.com for more
information about the winners, including intended colleges and majors.
Recipient
Parents
Ann Denk
Katie Engevold
John Fortin
Aaron Frisk
Charles Hamilton
Kyle Herbrand
Reuben Herschleb
Rachel Leege
Stacie Luxton
Tyler Meinnert
Alyssa Nuttleman
Elizabeth Sarbacker
Courtney Schmidt
Mark & Tammy Denk
Mark & Patty Engevold
David & Christine Fortin
Robert & Koreen Frisk
John & Evelyn Hamilton
Brad & Kari Herbrand
Rick & Mary Herschleb
Robert & Lisa Leege
Tom & Kay Luxton
Ron & Carol Meinnert
Steve & Debbie Nuttleman
Tom & Vicki Sarbacker
Randy & Rachel Schmidt
Anthony Schmitz
David & Mary Schmitz
Jordan Siemers
Dan & Janina Siemers
Austin Wenck
Max & Linda Wenck
Geena Whalen
Kevin & Marilyn Whalen
Elizabeth Widder
Steve & Heidi Widder
Nichole Wilson
Michael & Lynn Wilson
Ronna Woock
Randy & Rose Woock
High School
Mondovi
Whitehall Memorial
Darlington
New Lisbon
Cuba City
Sauk Prairie
DeForest
Sauk Prairie
Weston
Sheboygan County Christian
Bangor
Verona
Richland Center
Saint Mary’s Springs Academy,
Fond du Lac
Howards Grove
Waterford Union
Arcadia
Sheboygan Falls
Joseph A. Craig, Janesville
Waupun
Badgerland Financial
Board of Directors
Contact Info
Additional Director information is
posted at badgerlandfinancial.com
Gary Boyke
Fond du Lac
(920) 923-2189
Don Leix
Montfort
(608) 574-1790
Mark Cade
Westby
(608) 634-4877
Lori Meinholz
Middleton
(608) 836-3588
Ken Congdon
Galesville
(608) 582-4476
Jim Rickert
Eldorado
(920) 872-2982
Dean Dorn
Janesville
(608) 756-9591
Max Weiss
Alma
(715) 946-3500
Jerome Durst
Richland Center
(608) 647-5579
Mike Winker
Fredonia
(920) 994-4669
Tim Evert
North Freedom
(608) 544-5935
Outside Directors:
Sandy Larson
Evansville
(608) 290-5545
John Manske
Madison (608) 258-4403
Greg Pollesch
Oshkosh
(920) 235-1027
Crop Insurance Reminders
As you work on spring planting, your Badgerland Financial Crop Insurance
team has a few important reminders for you.
Winter Kill Concerns – If you suspect winter kills on your winter wheat, forage
stand or 2013 forage seeding, you may be eligible for a crop insurance payment.
Just remember, an adjuster needs to assess the winter kill damage before you
plow or rotate to another crop!
Cover Crop Insurability – A new rule this year is that in order to insure a spring
crop following a cover crop, you must terminate the cover crop at or within five
days after planting but before crop emergence.
Hail insurance – If you’re concerned about Wisconsin’s unpredictable weather
this summer, you can protect your crops with Crop Hail Insurance. You don’t need a
federal crop insurance policy to purchase hail insurance, and you can add coverage
up to two hours before the storm. Plus, it includes coverage for crop damage
caused by fire, vandalism and transportation.
badgerlandfinancial.com
FIRST-CLASS MAIL
PRESORTED
US Postage
PAID
Dodgeville WI
Permit #133
©2014 Badgerland Financial, ACA. This Agency is an Equal Opportunity Provider. NMLS ID 458065.
1430 North Ridge Drive
Prairie du Sac, WI 53578
Reminders
Badgerland Financial Office Locations & Phone Numbers
Office Transactions
Badgerland Financial is happy to serve you at
your home or place of business. When you need
to come to us, we offer a friendly reminder that
you can go to any branch office you prefer.
B u ffa lo
Mondovi
T rem p e a le a u
J a ckso n
Arcadia
C a lu m e t
W in n e b a g o
Sparta
Chilton

A dam s
Juneau
M o n ro e
Fond du Lac
G reen
La ke
M a r q u e tte
Fo n d d u Lac
Sheboygan

Plymouth
V ern o n
Viroqua
Sauk
e
Baraboo
Prairie du Sac
C r a w fo r d
Dane
Madison
G ran t
Lancaster
W ash in g to n
Beaver 
Dam
Io w a

Watertown
J e ffe r s o n
W a u kesh a

Dodgeville
e
a u ke
M ilw
Prairie du Sac
(877) 780-6410
Dodge
C o lu m b ia
R ich la n d
CORPORATE
O zau
ke
La Cro sse
R a cin e
L a fa y e tte
Arcadia
(800) 236-4425
G reen
Monroe
R o ck

Janesville
W a lw o r th
Burlington

Ken o sh a
Baraboo
(800) 236-3376
Dodgeville
(800) 236-3396
Madison
(800) 324-5766
Prairie du Sac
(877) 780-6410
Beaver Dam
(800) 569-6838
Fond du Lac (800) 569-6840
Mondovi
(800) 236-2188
Sparta
(800) 236-3148
Burlington (800) 755-0345
Janesville
(800) 755-0344
Monroe
(888) 755-9166
Viroqua
(800) 236-1288
Chilton
(800) 569-6834
Lancaster
(800) 236-2030
Plymouth (800) 569-6844
Watertown
(800) 686-1338
Rates Online
Badgerland Financial posts representative loan
rates online at badgerlandfinancial.com.
Cars for Sale
Well-maintained company vehicles are
occasionally available for purchase from
Badgerland Financial. For a current listing, visit
badgerlandfinancial.com (under “Our Company”).
Social Media Promotions
Be sure to connect with Badgerland Financial
on Facebook, Twitter, YouTube and Instagram
throughout the summer for special promotions
and contests.
Badgerland Financial