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W W W. M A I N E B I Z . B I Z 21 A P R I L 2 , 2 0 1 8 F O C U S B A N K I N G / F I N A N C E while the market value of products grew by 24%. Of the state's principal operators, about 29% are women. Yet, with the average age of the principal operator of Maine's farms being 57, according to USDA fi gures, the industry is in transition. e farm fi nance sector is evolving along with Maine's farmers. Start-up farms have been established in sync with THE VALUE OF A BUCK. OF A BUCK. You understand the value of a dollar. Early mornings. Late nights. Tenacity, wit, and a work ethic that means you never quit, you never settle. Neither do we. Our team honors your lifelong effort with the same level of dedication — and the same work ethic — that it took to realize your dreams. First Advisors PERFORMANCE YOU CAN TRUST First Advisors Investment Management. Retirement Planning. Trust Services | firstadvisorsonline.com | 866-563-1900 PROTECTING DREAMS | Securities and investment products are not bank deposits, are not insured by the FDIC or any other government agency, are not obligations of, nor guaranteed by, any bank or bank affiliate, and may involve investment risk, including the possible loss of value or principal amount invested. When a business is in distress a lifeline can take many forms. That's where Drummond Woodsum attorneys Jeremy Fischer, Ben Marcus, Kaitlyn Husar, Peter Klein, Jeff Piampiano, Julia Pitney, David Sherman, and Timothy Steigelman can help. Our extensive bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights bankruptcy, restructuring, and creditors' rights practice practice practice practice practice practice practice practice practice is ready, willing, and able to undertake efficient and immediate action in any distressed commercial situation. We pride ourselves on providing practical advice to our clients in northern New England and across the country from the first sign of distress through the most complex chapter 11 bankruptcy. We practice law differently. Since 1965. dwmlaw.com | 800.727.1941 800.727.1941 800.727.1941 800.727.1941 800.727.1941 800.727.1941 800.727.1941 800.727.1941 800.727.1941 800.727.1941 800.727.1941 800.727.1941 800.727.1941 C O N T I N U E D O N F O L L OW I N G PA G E » A sampling of farm finance programs Maine Department of Agriculture, Conservation and Forestry: ¡ Agricultural Marketing Loan Fund: low-cost financing for new and innovative equipment and facilities. ¡ Potato Marketing Improvement Fund Program: low-interest financing to improve the quality and marketing of potatoes. ¡ Nutrient Management Loan Program: funds nutrient manage- ment projects such as diversion, irrigation, anaerobic digesters, composting or treatment facilities. ¡ Maine Farms for the Future Program: grants for business planning assistance and invest- ment support. Coastal Enterprises Inc.: business loans to farmers, covering equipment purchases, working capital or other business needs. Farm Credit East: a customer- owned and -directed business offering loans, appraisals, insur- ance, financial and tax services. Finance Authority of Maine: administers Maine DACF finance programs and the Maine State Treasurer's Linked Investment Program for Agriculture to reduce borrower's interest rate. Maine Farm Service Agency: Loan and credit-access programs, including operating and farm ownership loans; microloans for small and beginning farmers; targeted loans for youth, beginning, minority and women farmers; specialty emergency and Native American Tribal loans. Dirt Capital: invests in farmland in partnership with farmers S O U R C E : Maine FarmLink

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