Marcus by Goldman Sachs offers personal finance tools to help yousave, borrow, and invest. Grow your money with a high-yield OnlineSavings Account, high-yield CDs and No-Penalty CDs. Pay downhigh-interest debt with a no-fee personal loan. Automate yourinvesting with Marcus Invest. And you can connect thousands offinancial institutions to Marcus Insights -- free tools andtrackers that help you organize and optimize your finances. Whetheryou choose to use all our personal finance products or just one,we’re here to help you make the most of your money. GROW AND MANAGEYOUR SAVINGS Grow your money on the go with our high-yield OnlineSavings Account and Certificates of Deposit. • Earn a competitiverate on our Online Savings Accounts, No-Penalty CDs and high-yieldCDs • No minimum deposit to open an Online Savings Account •FDIC-Insured AUTOMATE YOUR INVESTING Marcus Invest helps take onsome of the work of investing. Our managed portfolios of ETFs aredesigned to keep costs low and optimized to help balance risk andreturns. Plus, you can customize your investing approach byselecting one of our Goldman Sachs investment strategies. • Get amanaged portfolio recommended for your risk level and investmentgoals • Portfolios built to include low-cost ETFs that have beenvetted by Goldman Sachs professionals • Open your investment orretirement account with as little as $1,000 OPTIMIZE YOUR FINANCESWITH HELP FROM MARCUS INSIGHTS Our free smart tools and trackersare designed to help you see your money clearly and make empoweredfinancial decisions. Marcus Insights is 100% free to use and easyto set up, even if you’re not already a Marcus customer. • Linkexternal accounts to see and track your finances in one place •Explore your spending breakdown by category • Visualize your cashflow CONSOLIDATE DEBT WITH NO FEES Marcus personal loans have nosign-up fees, no prepayment fees and you can customize your monthlypayment. • See your loan options in as little as 5 minutes • Loansbetween $3,500 and $40,000 • Fixed rates between 6.99% and 19.99%APR Marcus by Goldman Sachs® is a brand of Goldman Sachs Bank USAand Goldman Sachs & Co. LLC (“GS&Co.”), which aresubsidiaries of The Goldman Sachs Group, Inc. All loans and depositproducts are provided by Goldman Sachs Bank USA, Salt Lake CityBranch. © 2021 Goldman Sachs Bank USA. All rights reserved. MemberFDIC. Equal opportunity lender. Brokerage and investment advisoryservices offered by Marcus Invest are provided by GS&Co., whichis an SEC registered broker-dealer and investment adviser, andmember FINRA (https://www.finra.org) & SIPC(https://www.sipc.org). Research our firm at FINRA's BrokerCheck(https://brokercheck.finra.org/). Custody and clearing services areprovided by Apex Clearing Corporation, a registered broker-dealerand member FINRA/SIPC. Please consider your objectives beforeinvesting. Any information provided prior to opening a MarcusInvest account is on the basis that it will not constituteinvestment advice and that GS&Co. is not a fiduciary to anyperson by reason of providing such information. For moreinformation about Marcus Invest offerings, visit our FullDisclosures(https://www.marcus.com/us/en/disclosure/invest-disclosures).Investment products are: • NOT FDIC INSURED • NOT A DEPOSIT OROTHER OBLIGATION OF, OR GUARANTEED BY, GOLDMAN SACHS BANK USA •SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THEPRINCIPAL AMOUNT INVESTED © 2021 The Goldman Sachs Group, Inc. Allrights reserved.

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Concreit makes real estate investing available for everyone. Sitback, relax, let your assets work. Unlike other ways of owning& operating real estate, Concreit lets you invest in fractionalshares of real estate, which means that you can invest as much oras little as you want, starting at $1. -=- Time & MoneyManagement -=- We get that life happens. You can schedule &request withdrawals anytime through our app, which is based on fundavailability. Easy as that. -=- Why Real Estate -=- Real estateinvesting has fueled growth in some of the world’s largestinvestment portfolios for decades, and now you can tap into that aswell. Invest into a professionally-managed portfolio ofincome-oriented private loans & buildings. Traditional privatemarket commercial real estate has been hard to reach for those thataren’t as wealthy, but our mission is to make this opportunityavailable for everyone. -=- Put your money on a mission -=- We’rebuilding easy solutions so you can invest towards retirement, takethat trip of a lifetime, buy a home, save for a kid’s education, oranything else! -=- Professional Management -=- Having a privatemarket real estate management team shouldn't only be available tothe wealthy. Keep a whole investment team in your pocket throughour mobile application. We’re leveraging a proprietary full-stackreal estate technology platform to make data-driven decisionscombined with the experience of our investment advisory committeeon each investment. -=- Bank-level Security -=- Concreit usesAES256-bit encryption for your personal data, the same securitylevel as banks. Your investor information is encrypted and we offera layer of biometric protection through Touch ID and Face IDaccess. -=- Disclosures -=- Investing in real estate involves risksincluding the potential loss of principal. A real estate portfoliois subject to risks similar to those associated with the directownership of real estate and real estate debt, as the investmentsare sensitive to factors such as changes to real estate values andproperty taxes, interest rates, cash flow of underlying real estateassets, supply and demand, and the management skill and creditworthiness of the issuer & borrowers. Portfolios concentratedin real estate assets may experience price volatility and otherrisks associated with non-diversification. US real estateinvestments may also be affected by tax and regulatoryrequirements. Economic factors, market conditions, and investmentstrategies will affect the performance of any portfolio and thereis no assurance that a portfolio will match or outperform anyparticular benchmark. There is no guarantee that investmentobjectives will be achieved, and past performance is not indicativeof future results. Liquidity Not Guaranteed: Investments offered byConcreit are illiquid and there is never any guarantee that youwill be able to exit your investments through our redemptionprogram. Visit concreit.com for offering documents and otherinformation.

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