Stock Subscription

Stock Subscription is also known as ownership in a community investment program, where residential investors pay a recurring investment—weekly, monthly, or annually—to access a program and project dividends. It focuses on ongoing value and loyalty in community investing and shifting from one-time investment to consistent increase in revenue. This means that the Treasury Bank provides residential investors the opportunity, to invest residually and over a period of time within community development program and project. This structure guarantees that the residential investor will gain ownership of the stock, and once community programs generate a profit, all residental investors will recieve an agreed-upon profit.

These are actual shares given to district members as investors. Investors receive a real return on investment (ROI), which may be subject to a vesting period and taxation. Once the shares are vested—meaning they have been earned or fully acquired—the investor owns them outright and can either sell them or hold them as part of their investment portfolio.

Community residents will elect in Treasury Bank as their community investment authority purchase a stock subscription and becoming a Treasury Bank members and investors; and receive actual shares of stock, which may be subject to a vesting period. When the programs generate a profit, shareholders are paid dividends as part of their vested or invested compensation package.

Return on Investment (ROI) funds will be provided only to low- to moderate-income accountholders, up to 40%. The program receives 60% of community development grant funds; however, 100% is reinvested into low-income communities as a reserve allocation.

A Stock Subscription is taxed as ordinary income when they vest, based on the fair market value of the shares at that time.

Stock Investors face risk, as they must invest capital to exercise stock and the potential for profit is tied to the program’s income performance.

Treasury Bank provides custodial services for third-party investment products (“Investment Products”). HSC and its administrator are exempt from registration under the Investment Advisers Act of 1940 and do not provide investment advisory, brokerage, or portfolio management services.

Investment Products are not bank deposits, are not obligations of, or guaranteed by, HSC or any affiliated entity, and are not insured by the FDIC or any other governmental agency.

All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Investment values may fluctuate due to market conditions.

Investment decisions are made solely by the investor. Investors are responsible for conducting independent due diligence and should seek professional legal, tax, or financial advice before investing.

Investment Products are distributed on a non-discretionary and non-participatory basis. HSC does not provide investment recommendations or individualized advice.

Investment Products may not be available in all jurisdictions and are not offered where prohibited by law. Certain restrictions may apply to non-U.S. persons and residents of restricted jurisdictions, including Canada.

Investors acknowledge that third-party providers may invest in assets denominated in foreign currencies, which introduces exchange rate risk that may impact investment value.

Conflicts of interest may exist between Investment Products, their affiliates, subsidiaries, and related entities (“Connected Persons”) and investors. By investing, investors acknowledge and accept the existence of such conflicts.

This website is for informational purposes only and does not constitute an offer, solicitation, or recommendation to buy or sell any security or financial product.

Investment Products offered by HSC are not FDIC insured, not guaranteed by any bank or government agency, and are subject to loss of value.

Earned interest, where applicable, is not compounded and may be swept to a designated banking account at the end of each statement or monthly cycle.

By accessing this site and/or investing in any Investment Product, you acknowledge and agree to the terms and disclosures set forth herein.