Community family and groups are given the opportunity to invest within community investment program and treasuries by putting money, time, or resources into a HSC community investment accounts; with the expectation of gaining a return or benefit, such as investing in stocks or bonds.

Resident can begin investing by electing HSC as their Community Investment Authority to receive benefit as a district resident or registered members, which HSC becomes each members commissioned registered agent and fund managers.

When community Investors purchase revenue bonds within HSC sponsored community investment programs they are given the right to hold permeant potential profit, benefits and assets for generational wealth benefits.

Investment liquidation is when community investor sells their right to collect dividends within HSC Community Investment Authority.

Once you’ve chosen to invest, you can enter the details of your order to an agent, including the quantity and order type and submitting it.

Track the status of your order to ensure it is executed as intended. You can typically view the status of your orders within your community investment account.

Once your order is executed, the proceeds from the sale of your stock or dividends for stake will be deposited into your FBO bank account with HSC’s banking partners. You can then receive future dividends in your bank account or use them to purchase other community investments.

A cash out date should be only when Investment reaches its cliff, vest date, or maturity date, but if you need the funds earlier you’ll pay a penalty for withdrawing it.

If you wait until the term date, you have several options to choose from.

Typically, you’ll have three options: 

• Roll the proceeds into a new investment held in with HSC schedules: You can opt for an investment with the same term as your old one or a term that’s shorter or longer.
• Transfer the funds into MMA or Trust investment account at banking partners: Options include a savings, checking, or money market account.
• Withdraw the proceeds: A HSC agent will have the money transmitted to a bank account at a different financial institution or mailed as a paper check. 

It’s important to act quickly once you receive this notice. After the Investment reaches term date, the account enters a grace period of about 10 days. If you do nothing, HSC may automatically roll over your Investment into a new one and you may then have to pay a penalty if you want your money before the next maturity date.

If transfer early you will face a penalty for doing so. 

The amount of that penalty will depend on your agreement with the investment. You could lose some of the asset entitlement you put into account.

Most often, the early withdrawal penalty is calculated as a number of months’ interest, with a greater number of months for longer Investment terms and fewer months for shorter Investment. You should deduct three months’ interest for Investment with terms up to 12 months and six months’ interest for those with terms up to three years. 

There’s no legal cap on this penalty, so you can actually lose some of your principal entitlement by taking the asset out early. Typically, the loner the term of the Investment, the higher the early withdrawal penalty.

The grace period is the number of days that you have to tell instruct HSC that holds your Investment what you want to do with the proceeds. If you take no action, HSC will automatically put your assets into a new Investment.

A grace period of 10 days is fairly common, but some grace periods are as short as seven days. Be prepared to act quickly when you get the notice.

Community Investments are intended to remain untouched until the end of their term, but it is possible to get your assets out early, if necessary. However, you will most likely have to pay a penalty, and you might even get back less money than you put in. For that reason, it’s best not to invest in a Investment unless you’re reasonably certain you won’t need your assets before it matures.

A HSC Accounts are ‘investment products’ and its administrator are exempted private funds managers under the Investment Advisers Act of 1940. All investment information does not constitute open market investment advisory services in any manner or form for HSC’s investment products.

HSC Accounts are:

• third party Investment products
• link to commercial bank account deposits
• not obligations of or guaranteed by a government unit, or Investment products or any of its affiliates or subsidiaries.
• not issued by any federal or state governmental agency
• subject to investment risks, including the possible loss of the principal amount invested
• available to US persons. Residents of Canada and may not be available in all jurisdictions. By making any investment, you confirm your deemed acceptance to the conditions mentioned herein. 
• distributed by the investment on a non-discretionary and non-participation basis, and the final investment decision shall at all times exclusively remain with the investor. 

Past performance is not indicative of future results, prices/invested sum is subject to market risks which may result in appreciation or depreciation. The ownership of any investment decision(s) shall exclusively vest with the Investor after analyzing all possible risk factors and by exercise of his/her/its independent discretion and Investment products shall not be liable or held liable for any consequences thereof.

Investor investing in investment products acknowledge that:

• the third party product provider may invest in products denominated in local currency;
• there could be risk of exchange rate fluctuations, which may result in loss of principal or erosion of value of investment.
• this document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation.

Please exercise diligence by reading & understanding the Key Information Memorandum(s)/Scheme Investment Document(s) & Statement of Additional Information/Term Sheet/Prospectus carefully before investing and no claim whatsoever shall be made against the Portal any of its affiliates or subsidiaries and / or employees claiming any influence/recommendation/advice/responsibility/liability as against your decision to invest in any investment product. 

Investor should ensure to understand, accept the identities of different parties and the roles that they play in relation to the various Investment Product(s). Investor acknowledges that, there may be various actual or potential conflicts of interest between Investment products or their affiliates or subsidiaries (collectively “Connected Persons”) and that of an investor itself, as a result of the various investment and/or commercial businesses and/or activities of the Connected Persons. You are deemed to accept, on purchasing/ subscribing / investing to a particular Investment Product(s), that any such conflict may exist and may be prejudicial to an investment in the Investment Product(s).

Investment Products provides independent research or analysis in the substance or preparation of this report. The information in this report has been obtained from reports issued by Investment Research. Such information is based upon sources from third party Investment Research believe to be reliable. Each Investment Product however, do not guarantee its accuracy and it may be incomplete or condensed. All opinions and estimates constitute CGM’s view as of the date of report and are subject to change without notice. This report / presentation is provided for general information only and nothing contained in the material constitutes a recommendation for the purchase or sale of any security and/or currency. As a prerequisite condition for arriving at a decision to invest, any investor considering an investment should seek independent advice on the suitability or otherwise of the particular investment.

HSC does not market any product or service to individual’s resident in any state or jurisdiction not allowed.  This document is construed as, an offer, invitation or solicitation under federal and state laws to buy or sell any of the products and services mentioned herein to individual’s resident local, state, national, international and globally. All investment products outline the types of information we collect, and how and why we use that information.

Earned interest in investment products is not compounded interest. At the end of the statement cycle/month, earned interest is swept to the demand deposits account with a government registered bank.

By making any investment HSC, you confirm your deemed acceptance to the conditions mentioned herein. 

HSC Investment, products are not:

• FDIC insured
• Intermediary bank guarantee
• Distributed by any federal agency
• Without risk of losing value
• A nation government deposit

To get more information contact: mail@treasurybank.org