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Filed Pursuant to Rule 424(b)(2)
File No. 333-140852


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www.stencorpnotes.com


Current Interest Rates


This is a supplement to the Prospectus dated January 10, 2008


Current Interest Rates for Renewable Unsecured Subordinated Notes

Offered by STEN Corporation


Interest Rates Effective November 17, 2008 through January 9, 2009



PORTFOLIO

 

 

 

 

 

 

 

 

 

 

AMOUNT (1)

$1,000 - $2,999

$3,000 - $49,999

$50,000 - $74,999

$75,000 - $99,999

$100,000 or More

 

Interest

Annual

Interest

Annual

Interest

Annual

Interest

Annual

Interest

Annual

NOTE TERM

Rate %

Yield %

Rate %

Yield %

Rate %

Yield %

Rate %

Yield %

Rate %

Yield %

3 Month (2)

SOLD OUT

SOLD OUT

SOLD OUT

SOLD OUT

SOLD OUT

6 Month (2)

8.75

9.14

9.10

9.53

9.45

9.91

9.80

10.29

10.15

10.68

1 Year (3)

9.75

10.24

15.00

16.18

15.35

16.59

15.70

17.00

16.05

17.41

2 Year (3)

10.75

11.35

17.00

18.53

17.35

18.94

17.70

19.36

18.05

19.78

3 Year (3)

11.25

11.91

11.60

12.30

11.95

12.69

12.30

13.09

12.65

13.48

4 Year (3)

SOLD OUT

SOLD OUT

SOLD OUT

SOLD OUT

SOLD OUT

5 Year (3)

11.70

12.41

12.05

12.80

12.40

13.20

12.75

13.60

13.10

13.99

10 Year (3)

12.00

12.75

12.35

13.14

12.70

13.54

13.05

13.94

13.40

14.34



1)

We determine the applicable portfolio amount at the time you purchase or renew a note by aggregating the principal amount of all notes issued by STEN Corporation that are currently owned by you and your immediate family members. Immediate family members include parents, children, siblings, grandparents and grandchildren. Members of a sibling’s family are also considered immediate family members if the holder’s sibling is also a noteholder.


2)

The annual yield calculation assumes that:

a.

the term of the note is renewed sequentially for an entire year,

b.

the interest earned during each term is included in the principal amount for the next term,

c.

the listed interest rate is the interest rate for each term, and

d.

the accrued interest is paid annually. More frequent interest payments will reduce your annual yield.


3)

The annual yield calculation assumes that accrued interest is paid annually. More frequent interest payments will reduce your annual yield.


The description in this prospectus supplement of the terms of these notes adds to the description of the general terms and provisions of the notes in the prospectus dated January 10, 2008. Investors should rely on the description of the notes in this supplement if it is inconsistent with the description in the prospectus.


Interest rates for notes purchased or renewed after January 9, 2009 are subject to change.