2. Explore the new Activity Center at yiclub.lcef.or g

3. Wish You Had a Ministry Partner? With PartnerPLUS from LCEF, you do.

4. PartnerPLUS Term Note 2% fixed rate 2-year term 2.5% fixed rate 2-year term Balance over $25,000 earns second-tier fixed rate of 1%. Minimum to start is $500. No transfers from other LCEF investments.

5. ConnectPLUS For New Investors 3% fixed rate* Two-year term; $500 minimum to open Opportunity to empower LCMS ministries Additional investments of at least $25 allowed *On first $5,000; second-tier fixed rate on balance over $5,000. You + LCEF = Empowered Ministries

6. Prepare for the Unexpected Open a Family Emergency StewardAccount ®.

7. 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.