Ecumenical Development Corporation, U.S.A., doing business as Oikocredit–U.S.A. (“Oikocredit-USA”) is designated under the Internal Revenue Code of 1986, as amended (the “IRC”) as a section 501(c)(3) nonprofit organization organized under the laws of Illinois and located in Washington, D.C. Oikocredit-USA may issue an Oikocredit Global Community Note (a “Note” or collectively the “Notes”) from time to time. The Notes will be offered and sold either through a paper-based application form (“Definitive Notes”) or through MicroPlace, Inc. (“MicroPlace”) on its website at www.microplace.com (“Online Notes”). The Notes are offered to the public and are not restricted to any limited class of investors, except as required to comply with the securities laws of certain jurisdictions in which we sell. MicroPlace is a FINRA member and an SEC-registered broker-dealer. The proceeds of the Notes will be used to foster economic growth, social justice, and self-reliance among the poor in developing countries by channeling investor funds to a global portfolio of lending institutions.