Rabobank N.A North Coast Food &

Ag

Rabobank N.A California

❖ Food Industry ❖ Wine Industry ❖ Other Related Industries

Portfolio

Location

Expertise

❖ Wineries ❖ Vineyards❖ Food Producers ❖ Vineyard Management Companies

❖ Santa Rosa

❖ Napa & Sonoma

Real Estate Term Loans Real Estate Lines

Real Estate Loans Customizable Solutions With:

❖ Multiple Prepayment Options

❖ Variable or Fixed Interest Rates

❖ Flexible Amortization Schedules

❖ Refining Debt

❖ Purchasing Property

❖ Capital Improvements

Real Estate Revolving Lines of Credit

Reduce debt

Invest in your business

Capitalize on business opportunities when they

arise

Ready when you need it

Secured by your agricultural real estate

Pay down your line when cash flow allows

Draw Funds When You Need Them:

Flexibility Maximum Financing:

Operating Credit Flexibility: Customized:

Flexible maturity dates

Revolving lines available

Competitive interest rates

Local relationship managers help find

a customized financing solution to

help you achieve your vision

\

Vineyard Development Crop Loan Financing

Raw Land Acquisitions

New Vineyard and Redevelopment Financing

❖ Flexible amortization schedules

❖ Fixed or variable interest rate loans

❖ Fair market value lease payment options

❖ Protect your asset with physical damage insurance

Equipment Financing & Leasing ❖ Loans up to 84 months

❖ Equipment lines to term

❖ Leasing (including barrels)

Clean Energy Finance Solar Photovoltaic (PV) Energy

System Financing:Clean

Technologies: Term loans

Non-revolving lines of credit Tax-exempt municipal leases

LED lights Wind turbines

Methane digesters

Development Loans Off-site Storage

Construction Loans

Winery Construction

Wine Cave Development

Tasting Room & Hospitality

Advisory Services

Standby Letters of Credit

Trade Services Documentary Collections

Commercial Letters of Credit

Santa Rosa:Sector Specialties

Wineries

Vineyards

Individuals

Vineyard Management

Washington

Oregon

California

Indicates Customer Presence

Santa Rosa Team Charles Day SVP – Area Mgr Phone: +1 707 591 8020Extension: x28020Charles.Day@rabobank.com

Catherine VyenieloVP- Ag Relationship Mgr IVPhone: +1 707 591 8010Extension: x28010Catherine.Vyenielo@rabobank.com

Carolyn Derr AVP – Financial Analyst III Phone: +1 707 591 8050Extension: x28050Carolyn.Derr@rabobank.com

Erick Ransome AVP – Financial Analyst IIIPhone: +1 707 591 8015Extension: x28015Erick.Ransome@rabobank.com

Rosa RodriguezLoan Process Coordinator IIPhone: +1 559 447 7882Extension: x17882Rosa.Rodriguez@rabobank.com

Robert Bullock VP – Treasury Relationship ManagerPhone: +1 209 271 8513Robert.Bullock@rabobank.com

Alison Rodrigues AVP – Treasury Relationship ManagerPhone: +1 707 591 8021Extension: x28021Alison.Rodriguez@rabobank.com

Napa:Sector Specialties

Cattle Wineries

Vineyards

Food Producers

Food & Ag Suppliers

California

Indicates Customer Presence

Napa Team Samantha Foster VP- Ag Relationship Mgr IIIPhone: +1 707 603 2629Extension: x22629Samantha.Foster@rabobank.com

Garrett YacopettiVP – Ag Relationship Manager IIPhone: +1 707 603 2642Extension: x22642Garrett.Yacopetti@rabobank.com

Jason RuizVP – Ag Relationship Manager II Phone: +1 707 603 2660Extension: x22660Jason.Ruiz@rabobank.com

Ethan Larson AVP- Financial Analyst IIPhone: +1 559 447 7990Extension: x17990Ethan.Larson@rabobank.com

Rosa RodriguezLoan Process Coordinator IIPhone: +1 559 447 7882Extension: x17882Rosa.Rodriguez@rabobank.com

Robert Bullock VP – Treasury Relationship ManagerPhone: +1 209 271 8513Robert.Bullock@rabobank.com

Sheila Griffith Loan Process Coordinator IIPhone: +1 707 603 2625Extension: x22625Sheila.Griffith@rabobank.com

Alison Rodrigues AVP – Treasury Relationship ManagerPhone: +1 707 591 8021Extension: x28021Alison.Rodriguez@rabobank.com