CHURCH & INSTITUTION FINANCING PROGRAM

1. CHURCH & INSTITUTION FINANCING PROGRAM

2. THRIVENT FINANCIAL FOR LUTHERANS • A common mission, a shared vision, a long-term relationship • More than a lender • Overall alignment of organizational purpose • Not-for-profit entity • Building Lutheran foundations together • Impact Lutheran and local community • Enable discipleship in service to others through Thrivent Financial’s fraternal and chapter programs • Support of local ministries and growth initiatives through Thrivent Financial’s Foundation grant opportunities • Support for future projects with the ability to easily modify financing terms over the life of the loan

3. CHURCH LOAN PROGRAM • Creative and flexible options to support: • Refinancing of existing mortgage loans • Purchase of new property • Construction of new buildings • Expansions or remodeling • Improved accessibility • Organ purchase • Repairs (parking lots, roofs, HVAC, etc.) • Other capital improvements • Note: Thrivent Financial loans cannot be used to cover operating expenses.

4. THRIVENT FINANCIAL ADVANTAGES • Long term relationship • Experience with phased development plans based on anticipated fund raising • Resources to move quickly to support aggressive timeline • Flexibility to be creative with loan structure/terms, especially modifications for future stages/phases • Similar faith-based foundation/mission

5. THRIVENT FINANCIAL FOR LUTHERANS MISSION STATEMENT Thrivent Financial for Lutherans is a faith based membership organization called to improve the quality of life of its members, their families, and their communities by providing unparalleled solutions that focus on financial security, wellness and caring for others.

6. THRIVENT FINANCIAL FOR LUTHERANS OVERVIEW • Member owned, not for profit, fraternal benefit society • Fortune 500 Financial Services organization - full array of insurance and investment products • ~$75billion assets under management (insurance & mutual funds)* • Church Loan Program • 100+ year history • 1,700+ congregations • $1billion in loans and growing *As of 12/31/2011

7. CHURCH LOAN PROGRAM • Competitiveinterest rates and terms • Strong service oriented team in Minneapolis (loans are kept at Thrivent and serviced by people who understand churches) • Attractive long term fixed rate financing (up to 20 years) available • Adjustable rate programs (3,5,7,10,15 year intervals with interest rate resets at no cost, up to 25 years) also available • Reamortization at no cost • No penalties on prepayments made with internally generated funds. • Low fees (1/8 point commitment fee or $500 minimum). • Ease of restructuring to support future needs • We work with any construction lender, including Thrivent Federal Credit Union

8. OTHER THRIVENT FINANCIAL RELATIONSHIP OPPORTUNITIES • Provide opportunities to tell the Thrivent Financial story to potential new Thrivent members • Earn dividends with capital campaign credit union account • Expert asset management (e.g., Foundations, endowment funds) • Invite Thrivent Financial’s Lutheran Engagement Specialist (in selected areas) to an annual evaluation meeting with church councils to discuss opportunities • Host Thrivent Financial sponsored educational sessions (e.g., Parents, Kids, and Money Matters; How to Thrive in Retirement; Estate Planning, etc.) • Participate in Thrivent Financial chapter sponsored events/programs (e.g., Thrivent Builds, Feed My Starving Children, etc.) • Explore opportunities where Thrivent Financial representative may interface with members as appropriate (e.g., set up booth between services, etc.) • Participate in one or more pilot tests for new Thrivent Financial programs

9. WHY THRIVENT FINANCIAL? Long term relationship with ease of restructuring, reamortization to meet future needs Unmatched level of service & flexibility Highly competitive rates & fee structure Long term fixed rate offerings Efficiencies in document processing between construction and permanent financing including potential savings of document preparation fees, external provider expenses, etc. Other opportunities including application for grant money offered by Thrivent Foundation Supports mission of giving back to our Lutheran community

10. NEXT STEPS • Determine best approach to meet specific needs (e.g., which terms, etc.) • Submit application for underwriting review • Upon approval, Thrivent Financial will issue formal commitment letter for your review and signature Insurance products issued or offered by Thrivent Financial for Lutherans, Appleton, WI. Not all products are available in all states. Securities and investment advisory services are offered through Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415, a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans. For additional important disclosure information, please visit thrivent.com/disclosures

11. THANK YOU! • We appreciate your consideration and look forward to working with your congregation in support of your growing ministry. • Questions? • Please contact us at • 1-800-984-9425