This is not an offer to sell you our securities and we are not soliciting you to buy our securities. The offering is made solely by the Offering Circular. The purchase of our securities is subject to risks, which are described in our Offering Circular. We will offer and sell our securities only in states where authorized. Currently, we do not offer or sell our Notes to investors located in Arkansas. • Not FDIC or SIPC insured • Not a bank deposit • Not guaranteed by the United Church of Christ. • *Past performance is no guarantee of future results.

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