We are not a bank. We are a privately—held corporation that has been engaged in the consumer finance industry since 1941. We fund our loans through a combination of the issuance of short and longer-term debt securities, such as Senior Demand Notes, Variable Rate Subordinated Debentures, Commercial Paper, as well as with borrowings from time to time under our revolving credit facility.

Our Investments are not bank deposits and are not insured by the Federal Deposit Insurance Corporation (FDIC) or Securities Investor Protection Corporation (SIPC) or any other Federal or State Agency. Investors must rely solely on the Company’s ability to pay principal and interest on its Investments.

We are licensed to sell Variable Rate Subordinated Debentures to residents of Georgia and South Carolina. Senior Demand Notes may be sold to residents of Georgia, only. Commercial Paper may be sold to residents of any state, except California.

Simply call us at 706-886-7571 or 800-282-0709, and one of our Investment Center representatives will provide the information you need to start the Investment process. Sales of certain Investments are sold only by Prospectus and are strictly regulated. Therefore, Investment may not be purchased online, and you must speak with one of our representatives.

Our branch offices are unable to open or discuss Investments with you. They will refer you to the Investment Center, located only in Toccoa, GA. Please call the Investment Center at 706-886-7571 or 800-282-0709 to ask additional questions or begin the opening process.