Disclaimer

Christian Investors Foundation ("CIF") is separately incorporated and is a separate legal entity apart from the Evangelical Free Church of America (EFCA). The EFCA has not guaranteed any of the Investment Certificates issued by CIF, nor does it guarantee repayment of loans made by CIF. This shall not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of Investment Certificates in any state in which such offer, solicitation or sale is not authorized. The offering is made solely by the OFFERING CIRCULAR, which more fully describes certain risks involved in a purchase of Investment Certificates. The Investment Certificates are not FDIC insured.