Savvly Longevity Benefit based on Savvly Fund 3 — Full Disclosure

General Information

The Savvly Longevity Benefit is offered through Savvly Fund 3, a registered closed-end fund under the Investment Company Act of 1940. It is designed to provide longevity-based financial benefits through a fund-based investment structure.

The Savvly Longevity Benefit and Savvly Fund 3 are not insurance, not a guaranteed income product, and not FDIC insured. Participation involves investment risk, including the possible loss of principal. Payouts are contingent on market performance, investor longevity, and redemption activity, and are not guaranteed.

Savvly Advisor, LLC, a registered investment adviser under the Investment Advisers Act of 1940, serves as the investment adviser to Savvly Fund 3.

ERISA Notice

If the Savvly Longevity Benefit is offered through an employer-sponsored retirement plan, participation will be subject to the terms of the applicable plan documents and applicable law, including ERISA. Eligibility, contributions, and benefits are determined in accordance with those plan documents. Nothing in this disclosure or other Savvly materials alters any rights or obligations under an employer's plan.

If the Savvly Longevity Benefit is used in connection with an employer-sponsored retirement plan or retirement education program, neither Savvly sponsor nor its affiliates are acting as a fiduciary or plan administrator under ERISA or any other applicable law solely by providing access to this Site or its educational and modeling tools. This Site does not provide fiduciary investment advice, individualized recommendations, or investment management services. Use of the Site does not create an investment advisory, fiduciary, brokerage, legal, tax, or other professional-client relationship.

Investment Risks

Investing in Savvly Fund 3 involves risks, including but not limited to:

• Market Risk: The value of investments will fluctuate with market conditions and may be worth more or less than the original amount invested.
• Sequence of Returns Risk: The timing of market gains or losses, particularly near payout age, can materially affect results.
• Longevity Risk: Longer-than-expected lifespans may reduce fund-based benefits per investor; shorter-than-expected lifespans may also affect amounts received.
• Redemption Impact: Voluntary or early withdrawals by investors can affect overall fund performance and distribution amounts.

Past performance is not indicative of future results. There are no guarantees or assurances that any target returns will be achieved or that objectives will be met.

Illustrations, Examples, and Case Studies

Any illustrations, examples, or case studies provided in Savvly materials are hypothetical and intended to demonstrate possible scenarios, not predict or guarantee actual outcomes. They do not represent the performance of any individual investor, portfolio, or account.

The tools, calculators, comparisons, projections, simulations, and modeled returns provided on this Site are hypothetical, illustrative, and educational in nature and do not represent actual investment results or guarantees of future performance. Results may vary materially based on assumptions, market conditions, fees, taxes, inflation, timing, and other factors.

Key Assumptions for Hypothetical Scenarios

When applicable, simulations and case studies may use the following assumptions:

• Mortality and longevity projections are based on the most recent Social Security Administration (SSA) life expectancy tables available at the time of simulation.
• A 3% annual early withdrawal rate before payout or death.
• In the event of death or early withdrawal, beneficiaries may receive an early withdrawal value per fund terms of the lesser of the initial investment or current market value, plus 1% for each full year the account was active.
• Case studies may assume long-term market performance of 8% annually under standard market conditions, without factoring in unexpected volatility, inflation, interest rate changes, or personal circumstances.
• All figures shown are net of fees, unless otherwise noted.
• Simulations are for illustrative purposes only and do not guarantee that similar results will be achieved.

The usefulness and accuracy of Site outputs depend entirely on the assumptions and information used in the models. Results may vary significantly based on assumed rates of return, contribution amounts, withdrawal schedules, inflation assumptions, fees and expenses, insurance costs, asset allocations, market performance, tax assumptions, timing of investments, volatility assumptions, and other economic or financial variables. Even small changes in assumptions may produce materially different outcomes. Users are solely responsible for evaluating whether assumptions used within the Site are reasonable and appropriate for their own circumstances.

Data Sources and Reliability

Values and performance figures used in Savvly illustrations and materials are derived from sources believed to be reliable. Performance numbers are calculated using data provided to Savvly Advisor, LLC, but may differ from actual custodial or brokerage statements. Investors should rely on official custodial records for actual account valuations.

Comparisons presented on this Site may include products marketed or sponsored by the Site sponsor ("Sponsor Products"). Sponsor Products may be featured prominently, and the Site sponsor or its affiliates may receive compensation related to such products. Comparisons may not include all available investment products, strategies, or alternatives.

The Site and all related content are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, express or implied, including warranties regarding accuracy, completeness, reliability, availability, or fitness for a particular purpose. To the fullest extent permitted by law, the Site sponsor and its affiliates disclaim liability for any losses or damages arising from use of or reliance upon the Site or its content.

Legal and Tax Matters

Savvly Advisor, LLC does not provide tax, legal, or accounting advice. Consult a qualified tax or legal professional regarding your specific situation.

Intellectual Property

Savvly™ and the Savvly™ logo are trademarks of Savvly Inc., incorporated in Delaware, and registered in the United States (registration pending/finalized).