Investment Pdf Notes

[Aide Broeckel]

OurCommunity Investment Note (the Note) is a fixed income security that channels capital to a diversified portfolio of organizations that address inequality and climate change. For more information on the Community Investment Note, please see:

The Cut Carbon Note is a secured, investment-grade rated, fixed income product that provides investors with an opportunity to finance sustainability upgrades for commercial buildings with the objective of reducing carbon emissions. For more Information on the Cut Carbon Note, please see:

Our Small Business Funds help scale flexible, affordable lending to the smallest small businesses across the country through Community Development Financial Institutions across the country. For more information on our Small Business Funds, please see:

The Mission Driven Bank Fund works to foster a stronger and more inclusive banking system by providing capital and support to mission driven banks that provide credit and financial services to lower-wealth communities, rural communities, and communities of color across the United States. For more information on our Small Business Funds, please see:

Impact investing represents an important opportunity for advisors to add value to their clients and practice while contributing to solutions that people and the planet need. Whether it is through our products and services or if we can be a resource to advisors learning more about impact investing, we are always looking to connect. Below are our resources for financial advisors interested in learning more about impact investing:

Importantly, any guarantee that your principal will be protected is only as good as the financial strength of the company making that promise. You could lose all of your investment if the issuer of your note is unable to pay its obligations or goes bankrupt. In other words, any principal guarantee is subject to the creditworthiness of the guarantor, which is generally the securities firm that structures and issues the note. In the event the issuer goes bankrupt, investors who hold these notes are typically considered unsecured creditors and might recover little, if any, of their original investment.

In general, the terms and structures of these notes can be more complex than traditional bonds, making them more difficult for investors to evaluate. And, as with structured products generally, structured notes with principal protection typically have costs that can be relatively high and sometimes difficult to determine or understand.

One of the unique features of structured products is that they can provide a more convenient and customized payoff profile than investors might be able to create on their own. These payoff profiles can include things like market exposure with enhanced return or enhanced yield, absolute returns, or downside protection. They also can involve participation rates, caps on upside performance or floors on downside performance. Features such as using the best- or worst-performing reference asset among multiple assets to determine performance also can be employed.

Structured products, including notes with principal protection, are primarily designed to be buy-and-hold investments. While some notes have relatively short maturities, measured in months, others might extend out for 10 years or more. Structured notes with principal protection tend to have longer maturities, which can be influenced by the market environment (for example, the level of interest rates).

Nikola intends to use the net proceeds from the sale of the Notes along with its other liquidity sources for business expansion in the form of scaling truck manufacturing and tooling setup, accelerating the development of its hydrogen infrastructure, as well as for general corporate purposes.

The Notes and any shares of common stock issuable upon conversion of the Notes have not been registered under the Securities Act of 1933, as amended, or any state securities laws and may not be offered or sold in the United States absent registration or an applicable exemption from such registration requirements. The investment agreement contemplates that the Notes will be transferrable to qualified institutional buyers pursuant to Rule 144A under the Securities Act. Nikola has agreed to file a registration statement with the SEC as soon as reasonably practicable after the closing, registering the resale of the shares of common stock issuable upon the conversion of the Notes.

This announcement is neither an offer to sell nor a solicitation of an offer to buy any of these securities (including the shares of Nikola common stock, if any, into which the Notes are convertible) and shall not constitute an offer, solicitation, or sale in any jurisdiction in which such offer, solicitation or sale is unlawful.

Nikola Corporation is globally transforming the transportation industry. As a designer and manufacturer of zero-emission battery-electric and hydrogen-electric vehicles, electric vehicle drivetrains, vehicle components, energy storage systems, and hydrogen station infrastructure, Nikola is driven to revolutionize the economic and environmental impact of commerce as we know it today. Founded in 2015, Nikola Corporation is headquartered in Phoenix, Arizona. For more information, visit www.nikolamotor.com or Twitter @nikolamotor.

In many developing countries, the share of agriculture and the food system in the economy is large and critical to the livelihoods of billions. It is thus essential to ensure that all investment in the sector, including by large-scale private investors, is attuned to local needs and operates responsibly, in line with international good practice. When done responsibly, boosting the productivity, profitability, and sustainability of agriculture can help fight poverty and help achieve several Sustainable Development Goals (SDGs), such as those aiming at ending hunger, ensuring decent work, and attaining gender equality.

Full details and publications of the joint UNCTAD-World Bank research program on responsible agricultural investment can be obtained at the Inter-Agency Working Group (IAWG) website. This site also provides an overview of all responsible agricultural investment related work and research programs and publications by the IAWG (FAO, IFAD, UNCTAD and the World Bank).

Good practice on the overall approach to consultation, engagement, and partnership with local communities, to bridge gaps in information and expectation between communities and investors and to generate the social license to operate.

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