Performance Disclaimer

The performance data presented herein (the “Information”) is strictly confidential. You may not reproduce, redistribute, or disclose it, in whole or in part, without the express consent of Scalyr Technologies Inc. (d/b/a Truvius). This Information is provided by Truvius solely for informational purposes and is not intended to constitute financial, legal, tax or investment advice. You should independently evaluate and assess the matters referred to in this Information.

Past Performance Disclaimer
Past performance is not indicative of future results. Current performance may differ from the quoted data, and future performance may be impacted by market fluctuations, fees and other factors not captured in the performance data. You should not assume that future investments will achieve similar results or reflect the quality, diversity or performance of current investments. The value of investments can fluctuate, and clients may lose some or all of their investment.

Investment Risk
All investments involve risk, including the risk of losing principal. Digital Assets (as defined below) carry significant risk, including the potential for total loss. You should not invest more than you can afford to lose and should carefully consider your investment objectives, risk tolerance and potential impact on your financial situation before making any investment decisions.

Definition of Digital Assets
For purposes of this disclosure, “Digital Assets” refers to cryptocurrencies, tokens and other assets that exist on a blockchain or distributed ledger technology platform.

Advisory Fees and Billing

Truvius’s fees for investment advisory services are described in detail in its Form ADV Part 2A Brochure. Advisory fees may vary based on the scope and nature of services provided, the complexity of the client’s investment profile, and other negotiated factors. Management fees are calculated as a percentage of the client’s assets under management (AUM), based on the amount of assets and product selections. Larger accounts may receive discounts according to tiered asset ranges. Unless otherwise stated in a written agreement, fees are calculated and billed according to the terms set forth in the client’s advisory agreement. Clients are solely responsible for any additional fees or expenses charged by third parties, including custodians, broker-dealers, or other service providers. These third-party fees, which are separate from Truvius’s fees, may include transaction-related costs, commissions, custody fees, account termination fees, wire charges, taxes, and other expenses. Truvius does not receive any portion of these third-party fees. For a complete description of Truvius’s fee arrangements, including billing practices, payment terms, and potential conflicts of interest, please refer to the Form ADV Part 2A Brochure.

Fees and Compensation
Clients pay a fee for investment advisory services, based on a percentage of assets under management (AUM). If a Client terminates their account or transfers assets before the end of the month, they remain responsible for any unbilled fees incurred up until the termination or transfer date. Truvius reserves the right to invoice clients for any outstanding fees if the account lacks sufficient funds to cover the fee. (Please see “Advisory Fees and Billing” above.)

Performance Definitions
Gross Performance: Excludes all fees, including management fees.
Net Performance: Accounts for management fees, and other expenses, providing a more accurate picture of a Client’s return after all charges.

No FDIC or SIPC Protection
Clients should be aware that Digital Assets are not insured by the Federal Deposit Insurance Corporation (FDIC) or the Securities Investor Protection Corporation (SIPC), and investments are not guaranteed by Truvius or any of its affiliates. Clients are encouraged to fully understand the risks associated with Digital Assets, including the possibility of complete loss.

Risks Associated with Digital Assets
Investment in Digital Assets is subject to significant risks. For a full list of these risks, please refer to Truvius’s Form ADV, Part 2A Brochure.

No Guarantee of Future Results
There is no guarantee that Digital Assets or investment strategies will continue to perform well. Past performance does not guarantee future results. Factors such as market conditions, regulatory changes, cybersecurity threats, and unforeseen events can impact future performance.

Tax Considerations
Clients should be aware that the tax implications of investing in Digital Assets are uncertain and may vary by jurisdiction. Clients are responsible for understanding the tax consequences of their investments and should consult with a qualified tax advisor.

Legal Disclaimer

Truvius is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. Investment advisory services are provided only to clients who become clients pursuant to a written agreement. See our Form ADV Part 2A Brochure and Privacy Policy for more information.

This website is intended for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities or investment advisory services in any jurisdiction where such offer or solicitation would be unlawful.

Educational Pieces

Retirement Account

A Retirement Account is designed to help you save and invest for the future while offering tax advantages. This category includes accounts such as Traditional Individual Retirement Accounts and Roth Individual Retirement Accounts, as more fully described below.

These accounts are subject to annual contribution limits and specific rules regarding withdrawals. Distributions taken before age 59½ may trigger taxes and penalties, unless certain exceptions apply. Depending on the account type, you may benefit from tax-deferred growth or tax-free withdrawals in retirement. The appropriate account type depends on factors including your income, tax status and long-term financial goals.

For more information, please see Truvius’s disclosures at https://www.truvius.io/tax-disclosures and refer to IRS.gov.

What is a Roth Individual Retirement Account (“Roth IRA”)?

A Roth IRA is a retirement account funded with after-tax dollars, meaning contributions are not tax-deductible. Qualified withdrawals and investment earnings are tax-free in retirement, provided certain conditions are met. Contributions can be withdrawn at any time without taxes or penalties.

Earnings become eligible for tax-free withdrawal once the account has been open for at least five taxable years and the account holder is age 59½ or older. Early withdrawals of earnings may be subject to taxes and penalties, unless an exception applies, such as for a first-time home purchase (up to $10,000 lifetime), disability or death.

In 2025, contribution limits are $7,000 if you are under 50, or $8,000 for those 50 and older (including a $1,000 catch up contribution). Eligibility depends on United States Internal Revenue Service (“IRS”) income limits:

• Single filers: Phase out begins at $150,000 and ends at $165,000.

• Married filing jointly: Phase-out begins at $236,000 and ends at $246,000.

• Married filing separately: Phase-out remains $0-$10,000.

Roth IRAs are not subject to required minimum distributions (“RMDs”) during the original account owner’s lifetime, allowing for greater flexibility in long-term retirement planning.

For more information, please see Truvius’s disclosures at https://www.truvius.io/tax-disclosures and refer to IRS.gov.

What is a Traditional Individual Retirement Account (“Traditional IRA”)?

A Traditional IRA allows contributions from either pre-tax or after-tax income. Depending on your income level and whether you participate in an employer-sponsored retirement plan, your contributions may be fully or partially tax-deductible. Earnings within the account grow tax-deferred and withdrawals in retirement are taxed as ordinary income.

Distributions before age 59½ are generally subject to ordinary income tax and may incur a 10% early withdrawal penalty, unless an exception applies. RMDs are required to begin after age 73, even if you do not need the funds.

For 2025, the annual contribution limit is $7,000 if you're under age 50, or $8,000 if you are age 50 or older, provided you (or your spouse, if filing jointly) have earned income. While there are no income limits to contribute to a Traditional IRA, the deductibility of contributions may be reduced or eliminated based on income and participation in an employer plan:

• Single, covered by a retirement plan: Deduction phases out between $79,000-$89,000.

• Married filing jointly, contributor covered: $126,000-$146,000.

• Married filing jointly, contributor not covered but spouse is: $236,000-$246,000.

• Married filing separately: Phase-out remains $0-$10,000.

For more information, please see Truvius’s disclosures at https://www.truvius.io/tax-disclosures and refer to IRS.gov.

Individual Taxable Account

An Individual Taxable Account is a standard investment account owned by one person. There are no contribution limits, no income restrictions and no penalties for withdrawing funds at any time. While this type of account does not offer the tax advantages available in retirement accounts, it provides maximum investment flexibility.

Any interest, dividends or capital gains earned in the account may be subject to taxes in the year they are realized. You may buy and sell investments at your discretion, but taxes may apply when assets are sold for a gain. This type of account is ideal for both long and short investment goals.

For more information, please see Truvius’s disclosures at https://www.truvius.io/disclosures and refer to IRS.gov.

Joint Taxable Account

A Joint Taxable Account is similar to an Individual Taxable Account, but shared between two people, typically spouses or partners. Both account owners have equal ownership and control over the assets in the account. Like Individual Taxable Accounts, there are no contribution limits or withdrawal restrictions.

Earnings in a Joint Taxable Account, such as interest, dividends and capital gains, may be taxable and both account owners may be responsible for reporting income. In most cases, if one account owner passes away, the surviving account owner retains full control of the account. This account type is commonly used for shared financial goals and simplified estate planning.

For more information, please see Truvius’s disclosures at https://www.truvius.io/tax-disclosures and refer to IRS.gov.

Custodial Account

A Custodial Account is an investment account opened by an adult (the custodian) for the benefit of a minor or an individual unable to manage their own finances (the beneficiary). The custodian controls the account until the beneficiary reaches the legal age of majority, which varies by state, usually 18 or 21, or until court-appointed authority ends.

Custodial Accounts are funded with after-tax dollars and have no contribution limits. Earnings such as interest, dividends or capital gains may be subject to tax, often at the beneficiary’s tax rate. Once the beneficiary reaches the age of majority, they gain full legal control of the account and can use the funds for any purpose. Custodial Accounts are commonly used to save for future needs like education, but funds are not restricted to specific uses.

For more information, please see Truvius’s disclosures at https://www.truvius.io/tax-disclosures and refer to IRS.gov.