Annette Loken has provided analysis and sound-decision making for farmers in the Red River Valley of North Dakota since 1997. Her background in crop insurance and 25+ years as an agriculture and business banker provides a unique benefit to clients balancing the daily risks and rewards of farming. Annette joined the Bremer team in 2020 choosing to work for Bremer due to their strong commitment to agriculture and to the local communities where farmers live and work. She specializes in corn, soybean, wheat and sugar beet financing, but also works with feeder beef and cow/calf operations. Since many farmers have added a farm-related business to their operation, Annette’s commercial banking knowledge helps develop those secondary sources of income. Annette holds a degree from the University of Northwestern – St Paul. She has taken advanced business management courses at the University of Mary – Fargo, along completing a number of financial, portfolio and risk management programs. She was awarded the Wahpeton-Breckenridge Agri-Business Leader of the Year in 2016 and over the years has received numerous awards for service and sales. She is the past president and past executive director of the NDSCS Foundation and past president and treasurer for the Wahpeton-Breckenridge Rotary Club. For the past 29 years, she has helped organize and has participated in the Wahpeton-Breckenridge Community Christmas Cantata which has donated over $50,000 to the Richland-Wilkin Children’s Backpack Food Program. Her special interests include making salsa and pickles, and when it turns cold and snowy she enjoys cross-country skiing, quilting, and dreaming up her next year’s garden layout.