 My name's Cullen Kovac, and I'm a director for Louisiana Land Bank, but I'm also a farmer and a rancher. A lot of guys use commercial banks, and you tell them, well, I just got my patronage check, but they don't have a clue what that is. Since Louisiana Land Bank is a co-op, excess profit goes back to the member borrowers. Getting patronage is a big deal, not only for me, but every other member borrower of Louisiana Land Bank, because it improves my bottom line. If you're looking for a loan for land financing, call Louisiana Land Bank.