At Rural Bank, we're passionate about supporting Australian agribusinesses to grow and farming communities to thrive. At the heart of this are close local relationships with our partners, Elders and Bendigo Bank, who with more than 300 years collective experience, help us to deliver specialist banking services to rural and regional Australia. It's Rural Bank's unique partnership with Elders and Bendigo Bank branches that ensures ease of access to specialist farm finance solutions and expertise on the farm, as well as contributing to the local community.

Rural Bank's Regional Manager Agribusiness for Northern WA, Simon O'Leary, said the Bank's close partnerships provides a local platform from which to help agribusinesses across regional Australia to succeed.

"Our localised partnerships allow us to share our understanding of the unique needs and demands of agriculture to farming customers and communities," Simon said.

"At Rural Bank, we work closely with farmers to help them harness seasonal opportunities and contribute to overall growth in the area."

Having spent most of his working career in agricultural banking, Simon and his team offer specialist knowledge and a wealth of banking experience, including expertise in the seasonal fluctuations of agriculture and how to best manage the vagaries of Australian farming.

"Farmer's income streams aren't easy to control - season and market prices are always changing. We know that this can be a challenge to manage, even for the best farm managers."

To help with this, Rural Bank offers farmers a range of options for Farm Management Deposits (FMDs). This is where producers can set aside pre-tax income from a profitable year and earn interest on it. Farmers can have more than one FMD, up to a combined value of $800,000 per individual.

"Our FMDs provide a simple solution to put aside money in those good years which can then be called on during those years that aren't quite as strong. There are a variety of FMDs to choose from with Rural Bank - from earning a competitive variable or fixed rate of interest or a combination of both."

To find out more about Rural Bank and their range of FMD options, or to find your local Agribusiness Relationship Manager, call 1300 660 115 or visit www.ruralbank.com.au

Rural Bank - investing in partnerships

Rural Bank's partnerships are longstanding and deeply embedded within the industry, including its partnership with Elders. For over 20 years the combination of Elders' extensive agricultural knowledge and Rural Bank's financial expertise has helped thousands of farmers to expand and innovate.

Similarly, as Bendigo and Adelaide Bank's specialist agribusiness division, Rural Bank works closely with the Bendigo Bank branch network to holistically understand customer needs and help Australians achieve their financial goals.

Rural Bank and Bendigo Bank also work together in supporting local communities across Australia.

Our agricultural specialisation means that we understand the challenges and opportunities farmers are facing, from changing seasonal and environmental conditions to new technologies and ways of working.

We're looking to tomorrow to plan for the long term to continue supporting the success of Australian agriculture.

Rural Bank's products and services are available at more than 400 locations nationally via the networks of our partners and our own agribusiness lending specialists based in rural and regional centres across the country.

Disclaimer: An individual can own more than one farm management deposit, and can own farm management deposits with different FMD providers, but the sum of the balances of all the farm management deposits of an owner claimed as a deduction must not be more than $800,000. Products are issued by Rural Bank - A Division of Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL /Australian Credit Licence 237879. Products are distributed by Bendigo and Adelaide Bank Limited and Elders Rural Services Australia Limited ABN 72 004 045 121 AFSL 237757. Individual circumstances may vary and special legislative requirements must be adhered to. Before making any investment decision you should consider your situation and consult your taxation adviser to ensure you meet legislative requirements and for FMD Offset Accounts that you understand your obligation to comply and the applicable penalties for noncompliance and wider taxation implications. Terms, conditions, fees and charges may apply. Full details are available on application, by phoning our Customer Service Team on 1300 660 115, online at www.ruralbank.com.au or by contacting your local Rural Bank representative.