SaverNotes Information

SaverNotes offers and sells notes with varying purchase amounts and maturities that we will establish from time to time. We will also establish an interest rate for each purchase amount and maturity. The maturity dates for our notes may range from 1 to 10 years. The minimum investment is $10,000 for non-retirement accounts and $25,000 for IRA accounts; however we may from time to time change the minimum investment that is required. The maturities and interest rates being offered are set forth in the prospectus, subscription agreement and any supplements to the prospectus. SaverNotes are only available for Minnesota residents. Why SaverNotes? Interest rates are at historic lows Savers seek a higher return SaverNotes sell notes that provide a fixed rate of interest greater than alternative investments Since January 1, 2011, over 10,000 Baby Boomers a day will turn 65 for the next 19 years, over 69 million There will also be a tremendous amount of wealth transfer from the Greatest Generation and Silent Generation to the Baby Boomers Add to the mix, the 401(k) accounts of Baby Boomers that are converted into IRA accounts All these assets will be seeking investments with some allocation to fixed income Benefits of notes sold by SaverNotes Above market fixed rate of return No fees or other charges Terms of 2, 3 and 5 years with interest rates starting at 3.00%, 4.00% and 6.00% respectively...please see the website for current rates and terms Additional interest rate kicker equal to 10% of the profits of SaverNotes prorated to the account and paid once per year