edfc direct public offering

Local Investment: Move Your Money into

MendocinoAugust 4, 2015

Local investing movement

Why Invest LocalLocal Businesses generate 2 to 4 times more economic

benefit than globally owned – measured in income, wealth, jobs

and tax revenue.

Investing in Lake & Mendocino Counties

Lack of local credible investment mechanisms

Direct public offeringA proven tool to move your money locally

Securities offeringAllows all income levels to invest

Benefits to the Investor

Community Impact balanced with Financial

GainNo need to find, vet or service projects

Our missionConnecting money and

ideas with entrepreneurs to

create sustainable prosperity in Lake and

Mendocino Counties

Why Invest with EDFC501(c)3 Non-Profit with 20 years

lending experience: 68 loans; $4.2 million

Certified Community Development Financial Institution (CDFI)

Programs and grants to mitigate loan loss

Oversight of 21 community members

Past Projects

How it worksYou are loaning money to the DPO fund

EDFC uses funds for projects vetted by the Board of Directors & Loan

Committee

Projects could include:

Wool Processing

Facility

Meat

Processing Plant

Local FarmsAlternative

Energy

Who Can Invest?

Anyone in California can invest up to $2,500

Larger investments are based on Net Worth and Income

Investing in the promissory notes described may be considered speculative and involves risk, including the risk of a substantial loss of investment. Please see “Risk Factors” starting

on page 9 of Offering Memorandum to read about the risks you should consider before investing.

The offeringUp to $1,000,000 of unsecured subordinated promissory notes

6 year term with 2% interest rate per year: interest only with payment of principal at

end of termNOTE: interest is deferred for the first 2 year, and paid over remaining 4

years

Real ImpactA resourceful, abundant,

creative communityA legacy for future

generations

Mendocino Wool & Fiber Plant

Meat Processing Plant

Woody Biomass utilization

Contact EDFC to Invest

John Kuhry Executive Director

707.467.5953 john@edfc.org.

www.edfc.org