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Market Trust allocates your deposit to your selected market investment portfolios, cash, and a guaranteed interest products.

A Market Trust program is principal guaranteed if held for the complete 5-year term. When a program is started, the majority of the deposit is placed in a guaranteed interest product which will accrue yields by maturity that equal the initial deposit. This guarantees that regardless of the performance of your market investment portfolio at least your initial deposit will be returned at maturity. See illustration

The market investments are allocated to a portfolio managed by our team of industry-leading financial professionals. Typically, we place Market Trust customers into the S&P 500 Risk Controlled Portfolio. Learn More About Investments.

No. The Market Trust APY** is variable and linked to an investment return. Just like any investment account, your returns are based on market fluctuation. The APY** presented is based on the live performance of the S&P 500 Risk Controlled Portfolio with the understanding that in certain years the Portfolio may have outperformed the APY**, and in other years it may have underperformed the APY** and even potentially returned 0%.

After you make a deposit, Save’s investment team works with our partners to fund investments in your selected portfolio which will accumulate a return or APY Your returns could be higher or lower than expected depending on the performance of the portfolio, but they can never be lower than zero. In other words, your APY** comes from the performance of those investments — and if they perform really well, so will the APY.

You can make withdrawals from your selected investment portfolio at any time. An early withdrawal from the guaranteed interest product has additional surrender charges and/or IRS tax penalties.^²

If you choose to make withdrawals from the guaranteed interest product allocation in any year before the end of the 5-year term, the issuer will apply a withdrawal or surrender charge to the amount withdrawn, and may also apply a market value adjustment which may increase or decrease the amount withdrawn. If you are under 59 ½, the withdrawal will also be subject to a 10% federal excise tax on the portion of the withdrawal representing interest.

Important note: Any amounts withdrawn from the guaranteed interest product will reduce the interest you will earn over the 5-year term and, therefore, your initial deposit may not be fully protected following any withdrawals.

For more information, you can also request help by emailing us at support@joinsave.com or chatting with us through your app.

Market Trust combines an market investment portfolio with a guaranteed interest rate product that generates guaranteed interest. Allocations to a guaranteed interest rate product are treated similarly to deposits made into an investment retirement account (IRA) in that withdrawals made prior to retirement age, which is 59.5 years, are taxed with a 10% penalty.

• A Market Trust program has a 5-year term and a minimum deposit of $5,000.
• Your principal is guaranteed only if you hold the investment to maturity.
• If you fully withdraw prior to the end of the five-year term, you will be subject to penalties from withdrawing from the guaranteed interest product. Note that costs do not exist with redeeming the investment portion.
• If at the end of the five-year period you are under the age of 59 ½ and you do not roll the income product into another Market Trust program, you may be subject to a 10% federal excise tax on interest earned under the annuity unless an exception applies.

If you choose to make withdrawals from the guaranteed interest product allocation in any year before the end of the 5-year term, the issuer will apply a withdrawal or surrender charge to the amount withdrawn, and may also apply a market value adjustment which may increase or decrease the amount withdrawn. If you are under 59 ½, the withdrawal will also be subject to a 10% federal excise tax on the portion of the withdrawal representing interest.

Important note: Any amounts withdrawn from the guaranteed interest product will reduce the interest you will earn over the 5-year term and, therefore, your initial deposit may not be fully protected following any withdrawals.

Save® charges a per annum management fee of 0.79% (0.54% annual advisory management fee, plus a 0.25% annual administration fee) for the Market Trust Wrap Fee Program. Save will collect its annual administration fee of 0.25% at the beginning of each term year. This administration fee is never rebated to the customer, even in the event of a withdrawal of funds prior to full program term. The 0.25% annual administration portion of the management fee will be retained by Save for sub-periods during the program term that do not exceed 0.79%. At the end of each term year, Save will collect the annual advisory management fee of 0.54% only if the account return exceeds 0.79% during the term year (example: 1-year return of less than 0.79% means no advisory management fee is collected whereas 1-year return of greater than 0.79% means the annual advisory management fee is collected). If the account return exceeds 0.79% per annum over the course of the program term (example: 5-year return greater than 3.95%), then Save will collect any advisory management fees that were not collected during years with account returns less than 0.79%. If the account return does not exceed 0.79% per annum (example: 5-year return is less than 3.95%), then Save will only collect the annual advisory management fee for the number of individual 1-year sub-periods during the program term where the account return exceeded the 0.79% level. Once collected, this advisory management fee is never rebated. Should a program be withdrawn prior to the end of the program term, Save will prorate the annual administration fee yearly and the annual advisory management fee monthly. The annual administration fee of 0.25%, once collected, will not be rebated. The annual advisory management fee of 0.54%, once collected, will not be rebated. For example: program termination at 15 months would result in two full annual administration fees, one full annual advisory management fee, and one partial annual advisory management fee being collected. The full annual advisory management fee is collected only when the account return exceeds 0.79% for the first 1-year interval. This partial annual advisory management fee is collected only when the account return exceeds 0.1975% (0.79%*3/12) for the 2-month interval starting at the end of the first 1-year term. The minimum management fee charged per year during program year term is 0.25% per annum (administration fee portion of management fee). The maximum management fee charged over a program term is 0.79% per annum.

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