Banking
with market returns^¹

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result in surrender and/or withdrawal charges and a market value adjustment which may increase or decrease the amount withdrawn.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.