Groundfloor Notes are corporate debt instruments payable on a fixed term, at a fixed rate of interest. The repayment of principal and interest is subject to the ability of the issuer, Groundfloor Yield, LLC, to repay the obligations. With the Flywheel Portfolio, the performance is determined by the underlying loans being repaid by the respective borrowers. Because of the variable rate in the Portfolio, the potential rate of return for the Flywheel Portfolio is much higher than the return offered by comparable Groundfloor Notes.