LCEF is a nonprofit religious organization; therefore, LCEF investments are not FDIC-insured bank deposit accounts. This is not an offer to sell investments, nor a solicitation to buy. LCEF will offer and sell its securities only in states where authorized. The offer is made solely by LCEF’s Offering Circular. Investors should carefully read the Offering Circular, which more fully describes associated risks. Neither LCEF nor its representatives give legal, accounting or tax advice. Consult your tax advisor as to the applicability of this information to your own situation. A Coverdell investment is different than a college “529” investment which is not offered by LCEF. UMB Bank n.a. serves as the custodian for the LCEF IRA/HSA and Coverdell programs. UMB Bank n.a. serves as the custodian for the LCEF IRA/HSA programs. StewardAccount products are not available to investors in South Carolina. StewardAccount access features are offered through UMB Bank n.a. All Access account is known as “StewardAccount” for investors in Washington. Demand/Dedicated Certificate is not available to investors in South Carolina. Lutheran Church Extension Fund-Missouri Synod. 10733 Sunset Office Drive, Suite 300, St. Louis, MO 63127-1020. 800-843-5233. lcef.org. NMLS# 3444. LCEF Mortgage Loan Originators: Pamela Macinski (NMLS# 16679). Michelle Porter (NMLS# 1675886). Tricia Galczynski (NMLS# 1896183). Tara Appleton (NMLS# 738203). Marissa Strayhorn (NMLS#: 2560503). Illinois Residential Mortgage Licensee (MB.0006057). Loans made or arranged pursuant to a California Law License (6037619). Texas Complaint/Recovery Fund Notice – Figure: 7 TAC§80.200(b): “CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.  THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV”. For more information on LCEF’s lending license go to lcef.org/state-disclosures/. Rates as of April 2025. Balance restrictions apply. Rates subject to change. Visit lcef.org for details.

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