Mission, impact, security

The Sisters of Mercy made the first investment in the Community Loan Fund

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Why religious groups invest in the New Hampshire Community Loan Fund

Furthering mission: Religious organizations serve their communities in numerous ways, including charitable contributions. Many religious groups have come to realize they can do more: By investing a portion of their endowment or treasury in the Community Loan Fund, they deepen their mission by putting their money to work for low- and moderate-income families and communities, while continuing to grow their fund’s balance.

Community impact: An Opportunity NH Investment is an efficient and meaningful way of supporting New Hampshire families by helping to create and preserve housing, jobs and child care.

A tradition of religious support: The very first investor in the Community Loan Fund was the Sisters of Mercy, back in 1984. Currently, numerous congregations and orders representing nearly a dozen denominations invest in us.

Risk: Opportunity NH Investments are unsecured. They are not insured by the FDIC, nor by any governmental or private entity. While the Community Loan Fund has not lost any lender's funds, past performance is no guarantee of future performance. Investments with the Community Loan Fund cannot be redeemed before their due date and there is no known market to sell or trade them before maturity.

Benefit: Your funds are added to our lending pool. The risk is shared, and an investor’s funds will not be dedicated to any single project or sector. The Community Loan Fund has an unblemished record of repayment to investors—through good and bad economic times. Opportunity NH Investments are protected by our significant permanent capital and our excellent history of repayment from borrowers.

Nationally recognized: The Community Loan Fund has received the highest national honor in our field: the NEXT Award for Opportunity Finance. We have been rated multiple times by Aeris, the national rating service for community investing, which measures community impact and financial soundness.

Your choice of terms: Religious organizations can choose terms of one to 10-or-more years and a fixed-rate annual simple interest return of up to 5%.

1 or 2 years3 or 4 years5 or 6 years7, 8 or 9 years10 years +
Up to 1%Up to 2%Up to 3%Up to 4%Up to 5%

* Rates for new investments or renewals are subject to change.

Uncorrelated investment: Opportunity NH Investments are straightforward and are uncorrelated to traditional fixed-income instruments. You will earn annual interest and your principal remains whole, regardless of the ups and downs of the bond market.

Fixed maturity date: Your investment will have a fixed maturity date that can be renewed or paid out upon maturity, at your discretion.

Next steps: Please review our offering circular, which includes important information about the Community Loan Fund, and about the risk factors associated with making an Opportunity NH Investment. To discuss how your financial institution can invest in the Community Loan Fund, or if you have questions, please contact our Director of Investor Relations, Ken Kunhardt.

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