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SyntheticFi LLC is an investment advisor registered with the U.S. Securities and Exchange Commission (SEC). SyntheticFi does not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction. Investing carries inherent risks, and investment outcomes are not guaranteed unless stated otherwise. Before adopting any investment strategy, we strongly recommend consulting with a qualified financial advisor and/or tax professional.

All interest rate and tax information is current as of 04/21/2025 and reflects SyntheticFi’s best market estimates. Rates shown are indicative only; SyntheticFi does not guarantee execution at the quoted implied interest rates.

*Rates displayed are illustrative and subject to market changes. Not including SyntheticFi's fees.

†The interest rate and tax deduction savings interactive tool is for illustrative purposes only. Calculations assume interest rate savings equal to 2% of the loan amount and potential tax savings equal to 1% of the loan amount. Actual savings may vary based on market conditions, loan structure, tax circumstances, and individual client eligibility. Savings estimates are based on generalized assumptions and do not constitute tax, legal, or investment advice. Users should consult with their own financial or tax advisors to assess the applicability of any savings in their personal circumstances. This tool does not recommend or favor any specific investment and does not evaluate or compare a universe of alternative lending or investment options. Other financial solutions not analyzed here may offer similar or greater benefits.

‡APR, or the Annual Percentage Rate, disclosed above is calculated in accordance with the federal Truth in Lending Act (Regulation Z) guidelines and reflects the estimated total cost of borrowing, inclusive of the maximum fees charged by SyntheticFi that is subject to discount. This is not a rate guarantee. This APR represents the nominal interest rate annualized over monthly compounding periods and incorporates all mandatory periodic payments and final payoff obligations associated with the loan.

We are committed to full transparency and compliance; this rate enables an apples-to-apples comparison with other financing options by including both interest and applicable service fees in accordance with regulatory standards.