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Matt Lankford - (877) 777-8884 mlankford@commonwealthchurchfinance

Commonwealth Church Finance. McDonough, Georgia. Matt Lankford - (877) 777-8884 mlankford@commonwealthchurchfinance.com Dwaine Unruh – (800)-322-3665 dunruh@commonwealthchurchfinance.com 677 Jonesboro Rd., McDonough, GA 30253. Commonwealth Church Finance.

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Matt Lankford - (877) 777-8884 mlankford@commonwealthchurchfinance

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  1. Commonwealth Church Finance McDonough, Georgia Matt Lankford - (877) 777-8884 mlankford@commonwealthchurchfinance.com Dwaine Unruh – (800)-322-3665 dunruh@commonwealthchurchfinance.com 677 Jonesboro Rd., McDonough, GA 30253

  2. Commonwealth Church Finance VISION & MISSION STATEMENTS • Commonwealth Vision Statement Commonwealth exists to work with people and churches who are willing to sow seeds that lead to harvest and who recognize that the work place is holy and fertile ground.  We believe God’s vision for Commonwealth is to grow His Kingdom by growing churches. • Commonwealth Mission Statement Commonwealth’s mission is to support its vision by providing financial services to churches and promoting morally responsible investment opportunities while conducting business in a God honoring way within the Commonwealth Family and with the public.

  3. Commonwealth Church Finance • Established in 1981 • To date, approximately 600 issues totaling over One Half Billion Dollars in church financing. • Member FINRA, SIPC, NACIFO

  4. - Bank - How does this work? Bank Financing: Less than 2% - Investors - (Church members, family, friends) 8 - 9%

  5. - Investors - (Church members, family, friends) How does this work? Bond Financing: 5% – 7% 7% Fixed

  6. Different Kinds of Money Savings Tithes Investments Offerings Certificates of Deposit Mortgage/Rent 401(k) Bills Traditional IRAs Insurance Food Roth IRAs Charity College Funds Etc. Etc.

  7. How protected is my investment? • Mortgage position on the real estate • Certified Appraisal Security measures lie in two places: • You • Strength and reputation of the church

  8. When is my investment returned and how much will I receive? • Interest Rate and Type • Growth and Income bonds available • Fixed rate and type dependent on maturity date • Maturity Date • Choose maturity dates to fit your investment objectives

  9. Compound Interest and the Rule of 72 • Average Return 3% • Age • 20 $1,000 • 44 $2,000 • 68 $4,000 • 80 $6,000 • Average Return 7.0% • Age • 20 $1,000 • 30 $2,000 • 40 $4,000 • 50 $8,000 • 61 $16,000 • 71 $32,000 • 81 $64,000

  10. Customized Investment Plan $10,000 Ladder for 8 Years Purchase AmountRateType TermMaturity Value** $2,750 6.00% CI 5.0 $ 3,695.77 $2,500 6.25% CI 6.0 $ 3,616.66 $2,500 6.50% CI 7.0 $ 3,912.02 $2,250 6.75% CI 8.0 $ 3,826.76 Total Invested: $10,000 Total Value: $15,051.21 CI = Compound Interest EXAMPLE ONLY: ** Maturity Value assumes bonds are held to maturity. Compound interest pays principal and interest at maturity.

  11. Customized Investment Plan $40,000 Ladder for 16.5 Years Purchase Amount Rate Type Term Maturity Value** $6,000 6.50% CI 7.0 $ 9,388.84 $5,500 6.75% CI 8.0 $ 9,354.30 $5,000 6.75% CI 9.0 $ 9,087.61 $4,750 7.00% CI 10.5 $ 9,782.30 $4,500 7.25% CI 12.5 $10,960.39 $4,250 7.25% CI 13.5 $11,115.56 $4,000 7.25% CI 14.5 $11,233.93 $3,750 7.25% CI 15.5 $10,913.59 $2,250 7.25% CI 16.5 $ 7,286.39 Total Invested: $40,000 Total Value: $89,122.91 CI = Compound Interest EXAMPLE ONLY: ** Maturity Value assumes bonds are held to maturity. Compound interest pays principal and interest at maturity.

  12. Customized Investment Plan $100,000 Ladder for 21.5 Years Purchase Amount Rate Type Term Maturity Value** $11,500 7.00% CI 10.5 $ 23,683.46 $11,000 7.25% CI 12.5 $ 26,792.07 $10,750 7.25% CI 13.5 $ 28,115.84 $10,500 7.25% CI 14.5 $ 29,489.07 $10,000 7.25% CI 15.5 $ 30,157.88 $ 9,750 7.25% CI 16.5 $ 31,574.61 $ 8,000 7.25% CI 17.5 $ 27,819.48 $ 7,500 7.25% CI 18.5 $ 28,005.89 $ 7,000 7.25% CI 19.5 $ 28,068.24$ 6,500 7.50% CI 20.5 $ 29,405.30$ 7,500 7.50% CI 21.5 $ 35,201.54 Total Invested: $100,000 Total Value: $318,313.38 CI = Compound Interest EXAMPLE ONLY: ** Maturity Value assumes bonds are held to maturity. Compound interest pays principal and interest at maturity.

  13. Different Ways to Buy Church Bonds • Single ownership • Joint ownership (Joint tenants or Transfer on Death) • Trust or corporation • Uniform Gift to Minors (education) • Traditional IRA* (Roll-overs, transfers, or new contributions) • Roth IRA* (Transfers or new contributions) * $45 annual maintenance fee for IRA accounts

  14. What to bring to your appointment • Drivers License • Social Security Numbers of all beneficiaries • Trust Documents • IRA or 401(k) statements • Checkbook

  15. Build something that will last John 4:6 - “Jacob’s well was there…”

  16. Timeline • Make your appointment NOW

  17. Questions & Answers(Commonwealth Agents are available to answer individual questions)

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