HELLO, OWNERS.

On behalf of the Valley Natural Foods Board of Directors and the staff of our great co-op, we would like to invite you, an owner of Valley Natural Foods, to invest in the future of our community. This spring, we will begin construction on an expansion of our existing retail location that will add more retail space to the co-op and remodel the sales floor. This means more high-quality, locally produced products from our store to your plate. In order to realize this vision, we need our owners to financially support the expansion.

Our goal is to raise a minimum of $750,000 through selling a combination of owner loans and Class C stock. We believe this will provide the co-op with the capital necessary to secure bank financing and provide working capital as we strive to return to profitability and positive cash flow.

In Cooperation,

SUPPORT OUR LOCAL CO-OP—INVEST!

The Valley Natural Foods Board of Directors is excited to announce the launch of a capital campaign to help finance our co-op’s expansion and store remodel project.

One of our guiding principles as a co-op is Owner Economic Participation. This capital campaign provides you, as an owner, the opportunity to invest in a socially responsible and ethical local business. It will keep our dollars circulating in the local economy and strengthen Valley Natural Food’s foundation for continued success. It also provides the possibility of a competitive rate of return on your investment.

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Owner investment is available in two forms:

• Owner Loans: The minimum owner loan amount will be $2,000. The rate of return increases with the amount of the loan. The maximum rate is anticipated to be 4%. Lenders of amounts less than $10,000 may, at their option, choose a rate less than stated here. Interest rates for loans are simple interest accrued annually.

• Class C Stock: With a par value of $100 per share, the annual return rate is intended to be 4%, though the rate of return and approval of a dividend is contingent on Valley Natural Foods Board of Directors approval and there being funds legally available to pay dividends.

Must be an owner of Valley Natural Foods and a resident of Minnesota in order to invest.

For more information on investing in Valley Natural Foods, please contact:
JILL GRUBA
CAPITAL CAMPAIGN COORDINATOR
P 952.891.1212 ext. 254
E [email protected]