## **Impact Investors** Designed for Competitive Returns \| Invest with Flexibility \| Drive Positive Change ## Designed to Earn Competitive Returns and Drive Economic Change Through Impact Investing Use your money to drive positive change throughout America. As an impact investor, you can achieve competitive returns through CNote’s cash management solution, Impact Cash®, and a potential 4% return with fixed-income offerings such as the Flagship Fund and Wisdom Fund. These solutions offer a chance to earn competitive returns, flexible liquidity, and access to a trusted network of over 2,500+ mission-driven financial institutions. Your cash doesn’t just grow—it creates lasting financial support for underserved communities across the nation. Impact Investors no longer need to choose between growing their wealth and driving positive change. ##### Grow Your **Wealth with Confidence** Maximize your financial potential with CNote’s innovative investment solutions. Whether you’re seeking a secure place for your cash or looking to earn competitive returns, our offerings deliver a balance of impact and performance. With products like **Impact Cash®**, which provides 100% FDIC or NCUA insurance coverage and **fixed-income** offering potential 4.00% returns, you can diversify your portfolio with confidence. CNote connects your capital to a network of over 2,500+ mission-driven financial institutions, offering both safety and the opportunity to make your money work harder. ##### Invest with **Impact** Investing in impact means aligning your financial goals with your values. With competitive returns and the power to drive positive change, your investments can support small businesses, affordable housing, and underserved communities—all while growing your wealth. Make your money work for you and for a better future. > I’ve been investing with CNote for years—in both their Flagship and Wisdom Fund. > > — Jodi Morris, Founder at Let’s Venture, Wisdom Fund Investor ## Align Your Financial Goals with Your Values Align your financial goals with your values effortlessly through fixed-income solutions that support mission-driven financial institutions. Imagine growing your wealth while making a meaningful impact in communities. ### **Flagship Fund** Earn a potential 4.00% return with CNote’s Flagship Fund while supporting community development organizations that fund small business growth, affordable housing, and sustainable economic progress across America. An Easy Way to Start Impact Investing Open to All Investors Competitive Returns Diversified CDFI Investment 30-Month Term With Flexible Quarterly Liquidity No Minimum [Learn More about Flagship Fund](/content/solutions/flagship-fund/index.html) ### **Wisdom Fund** Support women empowerment and earn a potential 4.00% return with the Wisdom Fund—a fixed-income solution that increases capital access and funding opportunities for women entrepreneurs of color. Long-Term Impact and Systems Change Accredited Investors Only Provides sustainable, affordable loan capital for Women of Color Entrepreneurs 60-month Term $100,000 Minimum [Learn more about wisdom fund](/content/solutions/wisdom-fund/index.html) ### **Impact Cash** ® Impact Cash® empowers individuals to align their cash with their values through a secure, 100% FDIC and NCUA-insured solution that preserves capital while driving meaningful social impact. 100% FDIC/NCUA Insurance Blended APY $1,000,000 minimum **** Deposits funds for affordable housing, women-led small business and economic inclusion activities. **** Flexible Liquidity **** Accredited Investors Only [Learn more about Impact Cash](/content/solutions/impact-cash/index.html) ## Invest in Impact, Invest in Communities. See where your investments make a difference through Impact Stories from both the Flagship and Wisdom Fund, as well as Impact Cash®. #### [From Community Investment to Disaster Resilience: David Parker’s Journey of Entrepreneurship and Impact](/content/blog/parker-systems-disaster-resilience/index.html) Growing Up in Summerville: The Roots of Innovation David Parker’s journey from small-town Summerville to running a thriving business is rooted in his hard work, ingenuity, and the unwavering support of his community. Growing up, he wasn’t just a curious child—he was a natural problem-solver.  Raised on a family farm, David learned early that when \[…\] [Read More](/content/blog/parker-systems-disaster-resilience/index.html) #### [Bridging Impact and Investment: Insights from 2024 Investor Engagement and Annual Reporting](/content/blog/bridging-impact-and-investment-insights-from-2024-investor-engagement-and-annual-reporting/index.html) Understanding what resonates with investors is essential to directing more mission-aligned capital to mission-driven depository institutions (DIs) making a difference in underserved communities. To deepen this understanding, CNote recently analyzed investor engagement across multiple channels to identify the impact themes that consistently drive interest and investment. There is a key opportunity to build on this \[…\] [Read More](/content/blog/bridging-impact-and-investment-insights-from-2024-investor-engagement-and-annual-reporting/index.html) #### [Small Business Success: The Story of Jeff Trudeau and Concrete Washout Solutions](/content/blog/small-business-jeff-trudeau/index.html) In 2012, Jeff Trudeau, a seasoned concrete truck operator, saw a growing environmental crisis within the industry he knew so well. Every day, concrete trucks across New England faced a major problem: the improper disposal of washout water. This water, laced with concrete particles and possessing a dangerously high pH, posed a significant environmental threat, \[…\] [Read More](/content/blog/small-business-jeff-trudeau/index.html) #### [For Opportunities Credit Union, Energy Efficiency Loans Help Low-Income Individuals Save Money—And Combat Climate Change](/content/blog/opportunities-credit-union-climate-cash/index.html) Over the span of 48 hours in mid-July 2023, most of Vermont was battered with record amounts of rainfall, resulting in catastrophic flash flooding. As the state’s rivers swelled, homes were submerged, roads and bridges were washed out, and, tragically, at least two lives were lost. The 500-year flooding event devastated communities across The Green \[…\] [Read More](/content/blog/opportunities-credit-union-climate-cash/index.html) #### [From Farm To City: How ChoiceOne Bank is Championing Michigan Agribusiness](/content/blog/choiceone-bank/index.html) ChoiceOne Bank’s vision isn’t a secret: it’s front and center on its website. “We want to be the best bank in Michigan,” said Adom Greenland, the bank’s chief financial officer. “That means really making an impact in our communities.” ChoiceOne Bank was established in 1898 as a farm bank, and the bank operates in some \[…\] [Read More](/content/blog/choiceone-bank/index.html) 1. Returns are not guaranteed. The Flagship Fund issues Adjustable Rate Promissory Notes that are non-recourse obligations of CNote and involve the risk of loss, including principal. You should carefully review the all offering documents including note terms prior to investing. 2. CNote has management discretion around liquidity and currently offers clients quarterly liquidity up to $20,000 or 10% of invested assets, whichever is greater. At a minimum, CNote investors will have access to 10% of their investment every quarter. For full investment terms see the [Offering Circular](/content/wp-content/uploads/2026/03/Flagship-Fund-Offering-Circular-03312026-Qualification.pdf) for unaccredited investors and the [Private Placement](/content/resources/Flagship%20Fund%20PPM%20December%2022.2023%20Accredited.pdf?_t=1704311555/index.html) Memorandum for accredited investors. 3. Returns are not guaranteed. The Wisdom Fund issues Adjustable Rate Promissory Notes that are non-recourse obligations of CNote and involve the risk of loss, including principal. You should carefully review the subscription agreement, note terms, and our Private Placement Memorandum prior to investing.