Opening A Traditional IRA

Opening A Roth IRA

Investing In An Individual Certificate – Time OR Advantage

Investing In A Corporate Certificate – Time OR Demand

*COGBFFS recommends that you consult with your tax and investment advisor before making an IRA investment.

*The purchase of COGBF Financial Solutions’ securities is subject to risks, which are described in our Offering Circular. This is not an offer to sell you our securities and we are not soliciting you to buy our securities. We will offer and sell our securities only in states where authorized. The offering is made solely by the Offering Circular.

*Investment certificates are unsecured general debt obligations of [the Issuer]. Investments are subject to risks, which are described in our Offering Circular, including: • no sinking fund • no trust indenture • no denominational guarantee • not FDIC or SIPC insured • not bank deposits or bank obligations • no public market • reinvestment rates may change • loans may be secured by special purpose property • borrowers may be dependent on contributions for loan repayment.