Investor Program

Investor Notes

The FMSI Investor Note Program provides a reliable investment opportunity with above-market interest rates for businesses as well as individual investors. Most investment advisors recommend a mix of stocks, bonds and cash for investor portfolios. The predictable and higher-than-market returns of the FMSI Fixed Rate Notes can have a stabilizing effect on your overall investment portfolio and can serve to balance the volatility found in stocks.

Benefits of the Investor Program

Significantly higher interest rates than the average rate paid by bank CDs of comparable maturity (as reported by bankrate.com).
Guaranteed fixed rate of return for the full term of your investment.
Flexibility of maturities ranging from 3 months to 2 years.
No fees or commissions – invest directly with FMSI without a broker.
Choice of three interest payment methods – check, direct deposit, or reinvesting into your existing Fixed-Rate Note to take advantage of monthly compounding.
Low minimum investment of just $1,000.
The confidence of knowing that your investment is secure with FMSI, specialists in creating cash flow for Wholesalers and Distributors since 1973.

Please contact FMSI directly for current rates and further information on the Investor Note Program.

Investment Options

FMSI provides a variety of investment maturities to suit all investment needs. All investment options provide the investor with online access to their account information.

ON-DEMAND
The FMSI On-Demand Account provides liquidity and a higher return for investors. Currently, the On-Demand Note provides a 4% return and allows the investors unlimited deposits and withdrawals via ach access online. Monthly statements are issued and may also be viewed online. If the ability to withdraw funds at any time is of maximum importance, then the FMSI On-Demand Account is the right choice.

COMMERCIAL PAPER PROGRAM
FMSI offers businesses and individual investors a unique investment program that provides predictable and higher-than-market returns. The minimum investment amount is $100,000 and the range of maturities is from
1 to 270 days. The interest rate is locked on the investment date and is calculated at the Prime Rate plus a margin based on the maturity date. Monthly statements are provided and may be viewed online.

Commercial Paper Rates

Prime Rate plus:

Term	Margin	Prime at 3/1/10	FMSI Rate at 3/1/10
1-30 days	100 b.p.	3.250%	4.250%
31-60 days	125 b.p.	3.250%	4.500%
61-90 days	150 b.p.	3.250%	4.750%

INVESTOR NOTE PROGRAM
The FMSI Investor Note program provides a stable and reliable investment opportunity with above-market interest rates for businesses and individual investors. Daily compounding of interest; interest may be reinvested or paid quarterly; interest rate is fixed for the term of the investment; penalties for early withdrawal. Quarterly statements are provided and may be viewed online. Minimum investment is $1,000.

Investment Note Program Rates

Term	FMSI Rate at 3/1/10	$25,000 or Greater
1 Year	6.500%	7.000%
2 Year	7.250%	7.750%

FMSI Financial Stability

While FMSI investment options are neither insured nor guaranteed, FMSI has been profitable, stable and secure for over 36 years. FMSI is audited annually by RSM McGladrey, the fifth largest accounting, tax and business consulting firm in the world. FMSI has a geographically diversified portfolio with multiple layers of protection guarantying repayment.