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Hypothetical Back-testing

Investment Advisory Services offered through Save Advisers LLC ("Save Advisers"), an SEC registered investment adviser. Save Advisers has an engagement with Atomic Invest LLC (“Atomic Invest”), an SEC-registered investment adviser to bring you the opportunity to open an investment advisory account. Investment advisory services are provided by Save Advisers, with Sub-Advisory services provided by Atomic Invest. Companies which are engaged by Atomic Invest receive compensation of 0% to 0.85% annualized, payable monthly, based upon assets under management for each referred client who establishes an account with Atomic Invest (i.e., exact payment will differ). Atomic Invest also shares a percentage of compensation received from margin interest and free cash interest earned by customers with Save Advisers. Save Advisers is not a client of Atomic Invest, but our engagement with Atomic invest gives us an incentive to refer you to Atomic Invest instead of another investment adviser. This conflict of interest affects our ability to provide you with unbiased, objective information about the services of Atomic Invest. This could mean that the services of another investment adviser with whom we are not engaged could be more appropriate for you than Atomic Invest. Prior to becoming a customer, if at all, each prospective customer must answer a series of subjective and objective questions to evaluate both the individual’s objective capacity to take risk and subjective willingness to take risk.

Neither Atomic Invest nor any of its affiliates is a bank. Investments in securities are Not FDIC insured, Not Bank Guaranteed, and May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged. Sub-Advisory services through Atomic Invest are designed to assist clients in achieving a favorable outcome in their investment portfolio. They are not intended to provide tax advice or financial planning with respect to every aspect of a client’s financial situation and do not include investments that clients may hold outside of Atomic Invest. For more details about Atomic Invest, please see the Form CRS, Form ADV Part 2A, and the Privacy Policy. Brokerage services for Atomic Invest are provided by Pershing Advisor Solutions LLC (“PAS”), a registered broker-dealer and member of FINRA and SIPC. Custodial and clearing services are provided to Atomic Invest by Pershing LLC. Technology services may be provided by AtomicVest Inc.

1. The deposit account portion of the Save Market Savings product and service is provided by Webster Bank, N.A., Member FDIC. Customer funds provided will be deposited into non-interest-bearing accounts at Webster Bank, N.A. The investment portion of the Save Market Savings product and service is provided by Save. Save Advisers, LLC, nor its investment affiliates, are a bank.

2. Articles and customer support materials provided by Save Advisers are for informational and general educational purposes only and are not investment or financial advice. Generally, investments held over 365 days incur long-term capital gains treatment. Additionally, Save Advisers does not provide tax, legal or accounting advice, and investors are encouraged to consult with their personal advisers.

* Generally, an APY (or annual percentage yield) is the yearly return on a bank or investment account. Save Market Savings is a hybrid product and service that includes a deposit account linked to an investment product. The deposit account portion of the Save Market Savings product and service is provided by Webster Bank, N.A., Member FDIC; and is non-interest bearing with a 0% APY. The investment portion of the Save Market Savings product and service offers the potential to earn an APY with a variable rate (Variable APY). The Variable APY, if any, is derived from the investments made by Save on behalf of the customer within Save’s portfolio of strategies over the duration of the term length selected by the customer. The Variable APY, if any, will be equal to the cumulative return for the investments selected for you by Save for the term selected on the applicable maturity date. The Variable APY may be 0% but will never be less than the Minimum Variable APY of 0% per annum. Assuming a minimum Variable APY of 0% per annum, if the Variable APY applicable to a particular maturity date is less than or equal to the Minimum 0%, the customer will not receive any Variable APY return for that investment upon maturity. Variable APYs are subject to change at any time. Variable APYs are not guaranteed. The Variable APY presented is hypothetical in nature and reflects the potential growth that could accrue if the investment is held for the entire term selected. The Variable APY advertised and presented for the Market Savings Program is based on historical performance in the S&P 500 Risk-Controlled Portfolio from 2009 to present and reflects the potential growth that could accrue if the investment is held for the entire term selected. All other Save portfolios (Non-S&P 500) present a Variable APY which is hypothetical in nature, based on hypothetical back-tested performance, and reflects the potential growth that could accrue if the investment is held for the entire term selected. All back-test statistics are hypothetical and have been designed with the benefit of hindsight. For more detailed information please see Hypothetical Back-testing. Variable APYs presented for all portfolios are shown net of fees. Both Historical performance and Hypothetical back-tested performance are no guarantee of future performance and actual results will vary.

The minimum deposit amount for Market Savings is $1,000 for the 1-year term. Deposits are FDIC-insured up to the maximum allowed by law, $250,000 per depositor, per bank. Management Fees associated with the investments may reduce earnings on the account. Customer withdrawal prior to maturity could result in additional associated costs.

3. To obtain FDIC insurance coverage, customer funds provided will be deposited into non-interest-bearing accounts at Webster Bank. FDIC insurance coverage for funds deposited at Webster Bank is limited to not more than $250,000 per depositor, per FDIC-insured bank, per ownership category. Actual deposit insurance coverage may be lower if you have other funds deposited at Webster Bank, N.A. Customers are responsible for determining the amount deposited in each account at Webster Bank, N.A., and for monitoring the total amount of their deposits at Webster Bank, N.A., to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. Learn more at www.fdic.gov/deposit/deposits. Only the funds customers provide and deposit with Webster Bank, N.A. will be eligible for FDIC insurance. Webster Bank is not providing any investment advice or responsible for the purchase or performance of any investment contracts. The funds held in the Apex Clearing Corporation accounts are not FDIC-insured, are not bank guaranteed, and may lose value with a minimum return of zero. Maximum balance and transfer limits apply. Neither Save Advisers, LLC, nor its affiliates, are a bank. Apex Clearing Corporation is a member of the Securities Investor Protection Corporation (“SIPC”), formed by Congress to protect “customers” of broker-dealers and to promote public confidence in the U.S. securities markets. Customers of a SIPC Member that fails financially are afforded certain benefits under the Securities Investor Protection Act (“SIPA”). These benefits are relevant only if the broker-dealer that “carries” a customer’s account fails and is liquidated under SIPA. At Apex Clearing Corporation, your investments are protected by SIPC up to a maximum of $500,000 total, including $250,000 in cash balances. Coverage limitations apply. To learn more about SIPC coverage, visit the SIPC website at www.sipc.org.

** An APY (or annual percentage yield) is the yearly return on a bank or investment account. The Save Market Trust Program is a hybrid product and service that includes allocations to (1) a guaranteed interest rate product and (2) an investment within Save's portfolio of strategies. Guaranteed interest rate products include but are not limited to annuities or other insurance products. The investment portion of the Save Market Trust Program offers the potential to earn an APY with a variable rate (Variable APY). The Variable APY, if any, is derived from the investments made by Save on behalf of the customer within Save’s portfolio of strategies over the duration of the Program term length selected by the customer. The Variable APY, if any, will be equal to the cumulative return for the investments selected for you by Save for the selected Program term on the applicable maturity date, net of advisory fees. The Variable APY may be 0% but will never be less than 0% per annum (Minimum Variable APY). If the Variable APY applicable to a particular maturity date is equal to the Minimum Variable APY, the customer will not receive any Variable APY return for that investment upon maturity. Variable APYs are subject to change at any time. Variable APY is not guaranteed. The Variable APY advertised and presented for the Market Trust Program is based on historical performance in the S&P 500 Risk-Controlled Portfolio from 2009 to present and reflects the back-tested hypothetical customer account returns that could have been produced by the historical performance if the investment is held for the entire term selected. All back-test statistics are hypothetical and have been designed with the benefit of hindsight. For more detailed information please see Hypothetical Back-testing. Variable APYs presented for all portfolios are shown net of fees. Both historical performance and hypothetical back-tested performance are no guarantee of future performance and actual results will vary. Withdrawal prior to the end of a term will result in additional withdrawal or surrender charges and may result in additional associated costs. Additionally, withdrawals of taxable amounts will be subject to ordinary income tax and possible mandatory federal income tax withholding. If taken prior to age 59 1/2, a 10% IRS penalty may also apply. Save Advisers does not provide tax, legal or accounting advice, and investors are encouraged to consult with their personal advisers.

4. The minimum investment amount for a Save Market Trust is $5,000 for a 5-year term. Management Fees associated with the investments may reduce earnings on the Account. Withdrawal prior to the end of a term will result in additional withdrawal or surrender charges and may result in additional associated costs. Customer funds allocated to Market Trust will be deposited initially into a non-interest-bearing deposit account at a partner bank. The exact amounts allocated for both the purchase of the annuity and the purchase of the investments may vary and are dependent on prevailing market rates. Customers will be able to view exact allocations within their Save account. The majority of the Market Trust assets will be used to purchase an annuity contract issued by a life insurance company that is not affiliated with Save Advisers. When the annuity contract is ready for funding, Customer funds will be transferred from the deposit account to the issuing insurance company. The annuity contract will be held within a grantor trust where the client is the grantor of the grantor trust and the annuitant under the annuity contract; and the Company is the trustee of the grantor trust. The majority of the assets that remain after the purchase of the annuity contract will be allocated to a third party custodial clearing broker and used by Save to purchase investments on the Customer’s behalf, with any remainder to be held as cash reserve in the Customer’s clearing broker account. The investment portion of the Market Trust account and service is provided by Save Advisers. Neither Save Advisers nor any of its investment affiliates is a bank. The annuity contract is backed by the issuing life insurance company, subject to its financial strength and claims-paying ability. The insurance companies that Save chooses for the Market Trust Program are all U.S.-domiciled life insurers that have been issued a B++ (Good) or higher Financial Strength Rating by A.M. Best. A.M. Best is a large third-party independent reporting and rating company that rates an insurance company on the basis of the company’s financial strength, operating performance, and ability to meet its obligations to contract holders.

5. The Save Market+ Program total variable APY calculation presented is based on the sum of: (1) the annual guaranteed return (minimum of 3%) compounded over the three-year term combined with (2) the variable APY associated with the strategy-linked security. The Save Market+ Program is a hybrid product and service with a three (3) year term length that includes: (1) allocations to a guaranteed interest rate product and (2) strategy-linked security which has a variable (non-guaranteed) return profile; purchased by Save on your behalf within Save's portfolio of strategies. The annual disbursement payment (annual guaranteed return) will be calculated on your total initial deposit amount. Guaranteed interest rate products include but are not limited to annuities or other insurance products. The overall annual returns of the Market+ Program will never be less than the guaranteed annual return rate of at least 3% which is returned to you in the form of an annual payment. The return of your initial deposit is only guaranteed if held for the 3-year term. At the end of the 3-year term, you are only guaranteed your initial deposit amount. The guaranteed return payment can be accessed at any time after disbursement and allocations to your strategy-linked securities can be accessed anytime. The annual guaranteed return rate will be no less than 3% and is dependent upon customer selection at the time of program initiation. Any withdrawal from the guaranteed interest rate product (above the guaranteed return payment) will result in the closure of your Market+ account and will result in surrender and/or withdrawal charges and a market value adjustment which may increase or decrease the amount withdrawn. The non-guaranteed portion (strategy-linked security investments) advertised and presented for the Save Market+ Program is based on historical performance in the S&P 500 Risk-Controlled Portfolio from 2009 to present and reflects the back-tested hypothetical customer account returns that could have been produced by the historical performance if the investment is held for the entire term selected (net of fees). All back-test statistics are hypothetical and have been designed with the benefit of hindsight. For more detailed information please see Hypothetical Back-testing. Both historical performance and hypothetical back-tested performance are no guarantee of future performance and actual results will vary. Each year, you will be taxed on the interest credited to your guaranteed interest rate product, regardless of whether you make a withdrawal. You will pay tax at the same rate that applies to your other ordinary income. Save Advisers does not provide tax, legal, or accounting advice, and investors are encouraged to consult with their personal advisers.

^†† Save Referral and Bonus Programs: At Save’s discretion and within a Save portfolio of our choosing; for each successful referral, Save buys strategy-linked securities for each party whose equivalent investment notional value is equal to Save's current Referral and Bonus reward values outlined on the Referrals page. The portfolio selected by Save for referral investments may not be the same as the default portfolio selected within the customers Save profile. Save reserves the right to change Referral and Bonus reward values at any time. The Referral and Bonus reward values are not cash bonuses. They are represented as notional value or investment exposure that will mature after 1 year whereupon you will get the gains, if any. Equivalent investments are defined as strategy-linked securities whose equivalent investment value equals the notional value exposure of the underlying assets. The notional value accounts for the total amount of a security's underlying assets at the time of trading, not the market price of the strategy-linked security itself.

By using this website, mobile applications and related services, you understand the information being presented is provided for informational purposes only and agree to our Terms of Service and Privacy Policy. Save Advisers relies on information from various sources believed to be reliable, including customers and third parties, but cannot guarantee the accuracy and completeness of that information. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security.

Save Advisers’ internet-based advisory services are designed to assist customers in achieving discrete financial goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a customer’s financial situation and do not incorporate specific investments that customers hold elsewhere. All investing involves risk, including the possible loss of interest on your initial investment. Our program contains certain risks including: the Strategies may not work as designed, the program may not fit your specific investment objective due to the principal protection initiative, and potential opportunity risk. We will deliver to each prospective customer further details about the program’s risks including those set forth in ADV Part 2.

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