The opportunity for quality long-term investments secured by agricultural land has always attracted insurance companies. Hall and Hall was formed based on that opportunity and has since maintained partnerships with the largest and most progressive insurance companies participating in the agricultural lending business. By consistently emphasizing quality and long term thinking, Hall and Hall has established a unique and deserved trust from lenders as well as borrowers. Today, Hall and Hall has contracts to originate and service loans for MetLife and Prudential, the two leading insurance companies lending money to agriculture.

Hall and Hall's loan business was established to lend money to traditional farmers and ranchers who remain a very important part of our loan portfolio. Most of the individuals who work in the lending business at Hall and Hall were raised on farms and ranches and have a thorough knowledge of agriculture. Maintaining close ties to agricultural communities will always be an ethic of the Company.

In addition to our traditional loans, in keeping pace with an ever changing market, Hall and Hall has evolved as the leader in specialized lending to non-traditional property owners who are drawn from all over the world to enjoy the splendor of the Intermountain West. Many of our loan customers have recognized that the equity in their ranch can be a very convenient vehicle for generating capital for nearly any reason. Hall and Hall has originated many loans that were sourced for a variety of uses unrelated to the property being mortgaged. Again, success in this area has come from understanding the unique needs and wants of these particular clients.

There are many qualities that distinguish Hall and Hall from other lenders. Probably the most important of these is product and resource knowledge. Our lenders look to Hall and Hall to understand the characteristics that create value and quality of land. These features can include a diversity of agricultural resources, recreational features, conservation potential, location, and building improvement value.

That, coupled with keeping abreast of the ever expanding menu of financing options, creates a very efficient and convenient process for Hall and Hall loan clients.

Our specialized knowledge of land values and loan products enables us to be a "say what we do and do what we say" type of lender. This gives us the ability to deliver accurate and definitive information early on in the process.

• Very competitive pricing
• Flexible terms
• Common sense underwriting