Archford is proud to offer innovative solutions for all types of business. The Archford sponsored Market Participation CD in particular is unique but at the same time very simple. In fact, the situation was so innovative, it required an official ruling from the Federal Deposit Insurance Corporation (FDIC) and lead to a US patent submission.

*Reference the FDIC website (www.fdic.gov) for specific details on FDIC insurance limits of $250,000, deposits and investments.

Available Features of the Archford sponsored Market Participation CD:

Principal investment protected by issuing bank’s FDIC insurance
Returns tied to a market index (e.g. S&P 500, Dow, etc…)
Simple return calculation
- Market gain from point of purchase to maturity X Participation %
- (% gain in the Market X % Participation X Deposit = Your Return)
Original deposit plus returns are paid out at maturity
Fee Transparency (see FAQ or contact us for details)
Pre-approved lending options for non-ERISA plans and ESOP Trusts
Custom cloud-based software to manage FDIC exposure per financial institution
No reportable phantom income on Qualified $’s to 100% ESOP Trusts, Defined Benefit Plans, or Defined Contribution Plans

10 Year S&P 500¹ Market Participation CD Return Example 1

10 Year S&P 500¹ Market Participation CD Return Example 2

¹Source: Bloomberg 2/19/2014. S&P500 (without dividends) performance data from Bloomberg. Market Linked Deposit data is hypothetical performance data. Please see Disclosures link at the bottom of the webpage.

Typical with most investments, the Archford sponsored Market Participation CD comes with advantages and risks. Below is a summary of some of the advantages and risks. Before making any investment decisions, you should consult with your own legal and tax professional.

Advantages

Original deposit covered by FDIC insurance when held to maturity and subject to the standard FDIC limits
Sophisticated strategy yet simple to understand
Provide diversification by utilizing various market indexes
Returns linked to markets with higher potential returns than a conventional interest-bearing deposit

Disadvantages

Returns potentially can be less than a conventional interest-bearing deposit
Limited secondary market which could result in proceeds less than the original deposit value.
Index appreciation only with no dividend participation
Deposits exceeding the FDIC insurance per institution limits are subject to the issuing bank’s credit worthiness.

For further information about specific investments and an actual term sheet, contact Archford Capital Strategies at:

4941 Benchmark Centre, Ste. 200, Swansea IL, 62226
Phone: 618.416.3919 or toll free at 855.293.5125