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This is not an offer to sell nor a solicitation to buy Notes. The offer is made solely through and by the 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 only in states where authorized. The Presbyterian Church (U.S.A.) Investment and Loan Program, Inc. is a religious, nonprofit organization; therefore, our Notes are not insured by the FDIC, SIPC or any other governmental agency.