Savvy Labs Inc

Item 5, “Fees and Compensation, under SAVVY Fee and Blueprint Fee.”)

Savvy Labs may waive or reduce the fees collected from its User and Strategy Providers. A
potential conflict of interest may arise based on giving more preferable rates solely based
on relationship or other financial interests Savvy Labs may have with the User or Strategy
Provider. However, this is addressed by Savvy Labs maintaining an objective fee schedule
which will be applied across Strategy Providers and Users, which will only consider
objective measures, including for fee waivers. Additionally, all conflicts will continue to be
disclosed appropriately in Savvy Labs’ ADV Brochure.

Savvy Labs as Strategy Provider. In limited circumstances described in Item 4, Savvy Labs
may itself act as a Strategy Provider by creating Transitional Blueprints for Users
transferring existing assets to the Platform. In this scenario, Savvy Labs has an economic
interest because it both creates and implements the SAVVY Blueprint, and it may retain a
larger portion of the total fees because no third-party Strategy Provider fee is paid. Savvy
Labs mitigates this conflict by limiting Transitional Blueprints to asset transfer scenarios
only, making Transitional Blueprints available only to the specific transferring User(s), and
not making such Transitional Blueprints generally available for ongoing investment by
other Users on the Platform. In addition, the decision to use a Transitional Blueprint is
directed by the Adviser User (in the case of sub-advisory arrangements) or by the
Institutional User (in the case of direct advisory arrangements), each of whom retains the
ability to select a SAVVY Blueprint created by a third-party Strategy Provider instead.

Third-Party and Vendor Relationships. As the senior management team at Savvy Labs is
largely composed of individuals with many years of financial services experience, the
selection of third-party vendors and business partners, such as banks and Approved
Custodians, as well as broker-dealers, may be based on prior business relationships
including investments in Savvy Labs. Therefore, there is a potential conflict of interest in
that Savvy Labs may select third parties with whom management has preexisting
relationships. This could impede Savvy Labs’ ability to provide the best investment advice
and execution to its Users.

Any material changes to this information will be provided in an updated Brochure, which
will be filed with the SEC.

Item 7 – Types of Clients

As indicated above, Savvy Labs’ clients will include Institutional Users and Adviser Users.
Each group of clients is discussed in greater detail below.

As a general matter, each User must initially invest a minimum of $50,000 to open an
account with Savvy Labs. This minimum can be waived by Savvy Labs in limited cases,
such as when a User has multiple SAVVYs, in which case Savvy Labs may decide to lower
or waive the minimum to accommodate cross-SAVVY allocations. Any waiving or
lowering of this minimum will need to follow the predetermined fee schedule which will be
applied to all Users.

It is important to note that while Users may decide to terminate their relationship with
Savvy Labs in accordance with the terms of their agreements with SAVVY Labs, there may
be certain situations in which Savvy Labs will initiate account closures for User accounts.
This would generally be due to regulatory or compliance concerns. Savvy Labs may also be
notified by a regulator to freeze, suspend, or close an account.

Client interactions with Savvy Labs can occur directly through the Platform, via email,
verbally, or in person. All information collected from and about Clients will be maintained
confidentially, with strict controls in place. Policies, such as the Savvy Labs Privacy Policy,
which can be found on Savvy Labs’ website, and Savvy Labs’ internal Client
Confidentiality Policy, Written Communications Policy, and Code of Ethics, as well as
email surveillance and training, ensure that Savvy Labs’ employees and contractors are all
complying with this requirement.

Savvy Labs’ discretionary investment authority relates to buying, selling and managing the
allocation of securities within a User’s SAVVYs. All Users are offered the same services
and will have the same set of SAVVY Blueprints made available to them. White-Label
Users may have access to the Adviser User’s White-Label Blueprints and, if requested by
the Adviser User, certain SAVVY Blueprints (see “White-Label Service” under Item 4).
Recommendations with respect to SAVVY Blueprints will be determined based on the
information a User inputs into the search tool.

Savvy Labs’ Advisory Clients

Institutional Users
Institutional Users are sophisticated institutional investors such as corporations,
partnerships, trusts, family offices, foundations, etc. Institutional Users identify, select and
customize SAVVY Blueprints that meet specific criteria relating to their own investment
objectives.

Adviser Users
Adviser Users are other registered investment advisers who are investing in SAVVY
Blueprints on behalf of their own end clients. Adviser Users identify, select and customize

SAVVY Blueprints that meet specific criteria relating to the investment objectives as
determined by the Adviser User on behalf of its clients. An Adviser User may manage
many UIAs on behalf of its clients and will need to select and customize, as necessary,
SAVVY Blueprints which are appropriate for its clients. Each Adviser User will search for
SAVVY Blueprints based on its clients’ investment objectives and goals.

End clients of an Adviser User investing through White-Label Blueprints are also not
clients of Savvy Labs. The Adviser User is solely responsible for the selection and
suitability determination of White-Label Blueprints deployed through a White-Label
Platform (see the “White-Label Service” section in Item 4 for further information).