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 The initial interest rate on all Notes will depend on the effective interest rates at the time of purchase. Term Notes pay interest at a rate fixed at the time of issuance. Once fixed, the interest rate on a Term Note will not be changed until the Note matures. Demand Notes pay interest at a variable interest. At least thirty (30) days prior to any decrease in the interest rate on a Demand Note, HIS Fund will notify the investor of such change. This information is neither an offer to sell nor a solicitation of an offer to buy the securities issued by HIS Fund. The offering is made only by the prospectus, which contains risk factors that you should carefully consider before investing.

No state securities agency has passed on the accuracy or adequacy of the offering circular nor do any such agencies recommend or endorse an investment in HIS Fund. The unsecured debt securities of HIS Fund are offered in the United States except in the following: Alaska, Hawaii, Oregon, Utah, and Washington. The notes are not savings or deposit accounts or other obligations of a bank and are not insured by the Federal Deposit Insurance Corporation, any state bank insurance fund, the Securities Investor Protection Corporation or any other governmental agency.