The information and material provided herein are not an offer to sell or a solicitation to buy Notes of Cumberland Presbyterian Church Investment Loan Program, Inc. The offer is made solely by and through our Offering Circular, which you should read carefully before making an investment decision. The Notes are subject to certain risk factors as described in the Offering Circular. Notes are offered and sold only in states where authorized. Notes of Cumberland Presbyterian Church Investment Loan Program, Inc. are not insured by the FDIC, SIPC or any other governmental agency.