The initial interest rate on all Notes will depend on the effective interest rates at the time of purchase. Terms Notes pay interest at a rate fixed at the time of issuance. Once fixed, the interest rate on a Term Note will not be changed until the Note matures. Demand Notes pay interest at a variable interest. At least thirty (30) days prior to any decrease in the interest rate on a Demand Note, HIS Fund will notify the investor of such change.

This information is neither an offer to sell nor a solicitation of an offer to buy the securities issued by HIS Fund. The offering is made only by the prospectus. The unsecured debt securities of HIS Fund are NOT currently available to residents outside of Pennsylvania, Delaware, New Jersey, Flordia, or Michagan. The notes are not savings or deposit accounts or other obligations of a bank and are not insured by the Federal Deposit Insurance Corporation, any state bank insurance fund, the Securities Investor Protection Corporation or any other governmental agency.