Let me introduce you to Lutheran Church Extension Fund, or LCEF Let me introduce you to Lutheran Church Extension Fund, or LCEF. We exist for the sole purpose of empowering ministries in Kingdom work. The concept of “church extension” has evolved since 1902, when several congregations banded together and raised $400 to start a new congregation in a neighboring community. Now we have 28 member LCMS districts and more than 50,000 investors also intent on seeing the church expand so that more people can hear the Gospel. We praise God for all those who have contributed to growing LCEF into the ministry it is today and the opportunity to serve the ministries of The Lutheran Church—Missouri Synod.

Where saving money is fun… And helps others learn about jesus Help the children in your life spring into healthy savings and sharing habits. There is nothing more reassuring than knowing that your child is God’s child, saved for eternity by His grace and love. Now your child’s savings can help others experience God’s love and grace through the sharing of the Gospel. Lutheran Church Extension Fund (LCEF) offers the Young Investors (Y.I.) Club StewardAccount® with features such as: • Minimum of $25 to open account • Premium interest rate on balances up to $1,000 • Savings grow with the child, and are accessible • Interest compounded and paid monthly • Extra credit for good grades and community service for school-age students Where saving money is fun… And helps others learn about jesus

Explore the yiclub.lcef.org Activity Center at “But Jesus said, 'Let the little children come to me and do not hinder them, for to such belongs to the kingdom of heaven.'" —Matthew 19:14 Check out the NEW Young Investors (Y.I.) Club Online Activity Center at yiclub.lcef.org for: • Games! • Bible stories! • Devotions! • Videos! • Service project ideas! • Crafts and recipes! Each group—Little Lambs, Mission Builders and World Changers—has its own area on the site with age-appropriate activities. There are interactive games, coloring pages, Bible stories and devotions, videos, and, for older members, news stories and links to servant events and projects. New items will be added regularly to keep young ones engaged and entertained! This website will reinforce Bible lessons, enhance understanding of stewardship concepts and supplement studies in math, English, history and personal finance in a fun and meaningful manner. We want each Y.I. Club member to know and understand Jesus’ love and the fact that their investment is helping others learn about Jesus as well. Explore the site and have some Y.I. Club fun! Designed to work well on mobile devices and tablets, it’s perfect for families on the go! yiclub.lcef.org Activity Center at

Need funds for a life event? You never know when you may need extra money.

Open a Lutheran Church Extension Fund Family Emergency StewardAccount®. The Family Emergency StewardAccount is an investment that builds over time with automatic investments and interest earned. • Minimum $25 to start investment. • Minimum $25 monthly electronic investment required until account reaches and maintains a balance of $10,000 or more. • Limit 12 checks per calendar year, with per-check minimum of $250. • Initial quantity of checks FREE; check reorders competitively priced. • Interest compounded and paid monthly. • No monthly maintenance or membership fees. • Free MyAccount online services, including e-statements.

Financial needs are part of life. LCEF can help you be ready. Financial needs are part of life and you can be ready for them by setting aside funds in a Family Emergency StewardAccount.

Check out lcef.org or call 800-843-5233. Want to know more? Check out lcef.org or call 800-843-5233. Join the LCEF Experience. LCEF is a nonprofit religious organization, therefore, LCEF investments are not FDIC-insured bank deposit accounts. This is not an offer to sell investments, nor a solicitation to buy. LCEF will offer and sell its securities only in states where authorized. The offer is made solely by LCEF’s Offering Circular. Investors should carefully read the Offering Circular, which more fully describes associated risks. StewardAccount® access features provided through UMB Bank n.a. The Demand/Dedicated Certificate and StewardAccount are not available to investors in South Carolina. The Family Emergency StewardAccount is known as the Family StewardAccount in the state of Ohio. ConnectPLUS is not available to investors in Ohio or Pennsylvania. Neither LCEF nor its representatives give legal, accounting or tax advice. Consult your tax advisor as to the applicability of this information to your own situation. UMB Bank n.a. serves as the custodian of the LCEF IRA/HSA program. Lutheran Church Extension Fund-Missouri Synod (NMLS #3444). National office: 10733 Sunset Office Drive, Suite 300, St. Louis, MO 63127-1020. On the screen are the easiest ways to get to know us. If you call, you’ll even get to talk to real people, our friendly and knowledgeable Information Representatives. Thank you for your time today!