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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 a relationship with Atomic Invest LLC ("Atomic Invest"), an SEC-registered investment adviser that serves as a sub-advisor to Save Advisers. Save Advisers also has an engagement with Atomic Brokerage LLC ("Atomic Brokerage"), a registered broker-dealer and member of FINRA and SIPC, to bring you the opportunity to open a brokerage account. Neither Atomic Invest, Atomic Brokerage, nor any of their 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. There is no assurance that investments will provide positive performance over any period of time. Before investing, consider your investment objectives and the fees and expenses charged by Save Advisers, and any applicable management fees, regulatory fees, transaction fees, fund expenses, brokerage commissions, and services fees.

Advisory services through Atomic Invest are designed to assist clients in achieving a favorable outcome in their investment portfolio and are not intended to provide tax advice or financial planning with respect to every aspect of a client's financial situation. These services do not include investments that clients may hold outside of Atomic Invest. Brokerage services for Atomic Invest are provided by Pershing Advisor Solutions LLC, a registered broker-dealer and member of FINRA and SIPC, with custodial and clearing services provided by Pershing LLC. Brokerage services for customers of Save Advisers are provided by Atomic Brokerage.

For more details, please see the respective Form CRS, Form ADV Part 2A (for Atomic Invest), Atomic Brokerage General Disclosures, Privacy Policies, fee schedules, and Terms & Conditions for the Atomic Brokerage Cash Sweep Program. You can check the background and custodial/clearing services of Atomic Brokerage on FINRA's BrokerCheck.

Prior to becoming a customer, if at all, each prospective customer must complete a comprehensive risk assessment that evaluates both their objective capacity to take risk and subjective willingness to take risk.

1. The deposit account portion of the Save Market Savings 2.0 product and service is provided by banks participating in the Atomic Brokerage Cash Sweep Program (all Members FDIC). Customer funds are deposited into interest-bearing accounts at program banks, though clients will not receive any interest on funds held in the deposit accounts. Neither 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. Save Advisers does not provide tax, legal or accounting advice, and investors are encouraged to consult with their personal advisers.

3. Clients may have up to $2,500,000 in Federal Deposit Insurance Corporation (FDIC) coverage for deposits in their Atomic Brokerage account when funds are deposited across all ten unaffiliated bank deposit accounts in the Atomic Brokerage Cash Sweep Program ($250,000 per depositor, per insured bank for each account, subject to coverage limits and eligibility requirements). Funds held directly in the client's Atomic Brokerage account are not FDIC insured. Clients will not receive any interest on funds held in the deposit accounts.

* Generally, an APY (annual percentage yield) represents the yearly return on a bank or investment account. Save Market Savings 2.0 is a hybrid product combining a deposit component (Atomic Cash Sweep) and an investment component provided by Save Advisers LLC. The deposit portion is provided by banks participating in the Atomic Cash Sweep program (all Members FDIC), while the investment component offers the potential to earn a Variable APY derived from investments made by Save within its portfolio strategies. Each month, Save purchases investments based on the prior month's deposit balance, with the Variable APY equaling the cumulative return for investments selected by Save Advisers and reflected over time through monthly investment allocations. The Variable APY may be 0% but will never be less than the Minimum Variable APY of 0% per annum; if the Variable APY for a particular period is at or below 0%, customers will not receive any Variable APY return for that period. Variable APYs are subject to change at any time; are not guaranteed; and are presented net of fees. The Variable APY presented is hypothetical and reflects potential growth under the program's rolling 12-month calculation structure. Variable APYs for the Market Savings 2.0 Program are based on historical performance in the S&P 500 Risk-Controlled Portfolio from 2009 to present and reflect potential growth under this rolling investment approach, while all other Save Advisers portfolios (excluding S&P 500 and Nasdaq) present hypothetical Variable APYs based on hypothetical back-tested performance. All back-test statistics are hypothetical and designed with hindsight. For detailed information, see Hypothetical Back-testing documentation. Both historical performance and hypothetical back-tested performance are no guarantee of future performance, and actual results will vary.

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.

See the Legal Section within the Save Advisers website for additional agreements.

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.