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Catalyst for growing ministries - one relationship at a time

Investment Certificates

Investment Certificates Available Effective Feb. 1, 2012:

Term Minimum Investment Simple Interest Yield to Maturity
Demand $100 or $50 for UTMA** 1.25% 1.26%
90-Days $10,000 1.50% 1.51%
1-Year $1,000* or $500 for UTMA** 1.50% 1.51%
2-Years $1,000* or $500 for UTMA** 2.00% 2.02%
30-Months $1,000* or $500 for UTMA** 3.00% 3.03%
3-Years $1,000* or $500 for UTMA** 2.25% 2.27%
4-Years $1,000* or $500 for UTMA** 2.50% 2.52%
5-Years $1,000* or $500 for UTMA** 3.00% 3.03%
403(b)(9) Available to FCMM Retirement Plan Participants 2.80% 2.83%

Christian Investors Financial
901 E. 78th Street
PO Box 20759
Minneapolis, MN 55420-0759
800.995.8574

While the money you invest with Christian Investors Financial (CIF) earns interest for you, it's also helping grow EFCA ministries. CIF has several Investment Certificates available which help you invest for your future. At the same time, funds are made available to EFCA churches and ministries to buy, build, remodel, or refinance.

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. The Investment Certificates are not FDIC insured. CIF reserves the right to discontinue offering these Investment Certificates at any time.

* EARLY REDEMPTION PENALTY: if a holder redeems an Investment Certificate prior to its maturity, the holder will be charged (i) 30 days’ interest on the principal amount redeemed if the original maturity is 90 days or less, (ii) 90 days’ interest on the principal amount redeemed if the original maturity is over 90 days to one year, (iii) 120 days’ interest on the principal amount redeemed if the original maturity is over one year to two years, and (iv) 180 days’ interest on the principal amount redeemed if the original maturity is over two years.

**UTMA Certificates must be purchased by an adult for the benefit of a minor (under the age of 21) under the Minnesota Uniform Transfer to Minors Act (UTMA). At the age of 21, the Investment Certificate will become the unrestricted property of the minor named in the Subscription Agreement which established the Investment Certificate.

AN INVESTMENT IN THE INVESTMENT CERTIFICATES INVOLVES CERTAIN RISKS MORE FULLY DESCRIBED IN THE OFFERING CIRCULAR, INCLUDING THE RIGHT OF CHRISTIAN INVESTORS FINANCIAL TO REDEEM THE INVESTMENT CERTIFICATES PRIOR TO THEIR FINAL MATURITY.