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At maturity this certificate will renew as a 3-Year Certificate at prevailing rates. Early redemptions are subject to a 6-Month interest penalty. Please note that this is neither an offer to sell nor a solicitation of an offer to buy Christian Financial Resources securities. Such an offer is made by an Offering Circular and only in those states where Christian Financial Resources securities may lawfully be offered or sold. Christian Financial Resources securities are not F.D.I.C. or S.I.P.C. insured nor are they bank deposits. NOTE: CFR has the right to call Certificates for redemption at any time upon sixty (60) days written notice. In such event, interest will be paid to the date of redemption.