Orlando, Florida February 19h9
Vol. 8, No. 1.
NOTICE OF STOCKHOLDERS' MEETING
Official notice is hereby given to the stockholders of the Florida Citrus Production Cred-
it Association that the annual meeting of stockholders of the association will be held in
the Greater Orlando Chamber of Commerce auditorium, Orlando, Florida, on Thursday, Febru-
ary 17, 19h9 beginning at 10z30 a. m.
There will be discussions of interest to each stockholder and we urge you to attend this
important business meeting of your association.
A. H. Whitmore
The auditorium is
located on the second
floor. There is an
elevator for your con-
A large parking lot is
directly across the
The Greater Orlando Chamber of Commerce Building
113 East Central Avenue
PROGRAM FOR ANNUAL MEETING TO BE HELD THURSDAY, FEBRUARY 17, 1949
J. Earl Anderson, President of Association, Presiding
10:30 Meeting Called to Order.
Song E. J. Mileham Invocation
Reading minutes meeting February 12, 1946.
Report of the Secretary-Treasurer on the Progress and
Operation of the Association.
Report of the Board of Directors and the Executive Committee.
Nomination and Election of Directors.
Florida Farm Bureau John Ford
L UN C HE O N
1:30 DISCUSSION: Economy in Plant Food for Citrus and
Timing of Applications.
Dr. Ralph L. Miller, Director of Research Plymouth
Citrus Growers Association Presiding.
Dr. Frank E. Gardner, Principal Pomologist, U. S. D* A.
"Seasonal Absorption of Nutrient Ions by Orange
Trees in Sand Culture."
Dr. Walter Reuther, Principal Horticulturist, U. S. D. A.
"Phosphate Fertilizer Trials with Oranges in Florida."
Dr. O. C. Bryan, Technical Director, Soil Science Foundation
"Minimum Needs of the Citrus Tree for Plant Food Elements,
and Their Cost to the Grower."
Dr. Ralph L. Miller, Director of Research
Plymouth Citrus Growers Association
Dr. Frank E. Gardner
U. S. D. A.
Dr. Walter Reuther
U. S. D. A.
Dr. 0. C. Bryan, Technical Director
Soil Science Foundation
FLORIDA CITRUS PRODUCTION CREDIT ASSOCIATE]
P. 0. Box 2111
Florida Citrus Groa
UiSE Florida Citrus Production C
This Association Is Run By And
For Its Members And Makes
Loans To Fit The Needs Of
Responsible Citrus Growers
The association is a cooperative and therefore is or-
ganized to give a dependable credit service to its members.
Service and not profit is its principal objective.
The cooperative features appeal to those who appreciate
the value of cooperation within an industry so highly
specialized as the growing of citrus fruit.
MEMBERS CONTROL ASSOCIATION
Applications for loans are considered by the loan committee
of the association which consists of two directors and the
secretary-treasurer. These men are familiar with local con-
ditions and are interested in and understand the problems of
citrus growers. The directors are elected by the members
and each member has one vote, regardless of the amount of
MEMBERS SAVE MONEY
This association was established for the purpose of ex-
tending short term credit service to members at the lowest
possible cost consistent with sound business practices. The
interest costs and other charges in connection with a loan
are very reasonable.
Sec. 562, PL & R
LOANS MEET EVERY NEED *
Citrus growers use production credit to meet costs of
cultivating, irrigating, pruning, heating; to purchase ferti-
lizer and machinery, materials and supplies; to make repairs
and to pay harvesting and marketing expenses, as well as for
a wide variety of other agricultural purposes. This makes it
possible for growers to obtain all of their operating credit
from one source.
LOANS FIT NEEDS OF INDIVIDUAL GROWER
Each loan from a production credit association is fitted
to the needs of the individual citrus grower. The association
advances the money as the member needs it and repayments
are scheduled to be made at the time the grower expects to
sell his crop. Since interest is charged on each dollar only
for the exact number of days the member has it, budgeted
loans, in addition to making funds available at the right
time, also reduce interest charges to a minimum.
IT IS PERMANENT AND DEPENDABLE
While the association is a local cooperative which fully
understands its members' operation and needs, it is not de-
pendent upon local sources of money. All loan funds are pro-
cured by the sale of debentures to private investors in
financial centers in all parts of the country through the
facilities of the Federal intermediate credit banks.
SERVING THE CITRUS GROWERS OF FLORIDA EXCLUSIVELY