**Pioneer Family Office, LLC Summary:** Established in May 2005, Pioneer Family Office, LLC (PFO) offers investment management services with a focus on risk management. The firm is wholly owned by Pioneer Administrative Services Limited (PASL), established in 1988 under the laws of Israel. PFO provides investment advisory services requiring a minimum account value of $3,000,000, which can be lowered. Services include asset allocation analysis, portfolio monitoring, and securities selection. Clients have discretion in selecting custodians, with Morgan Stanley and Schwab being recommended. PFO manages accounts on a discretionary basis, making buy, sell, and trade decisions without client permission for each transaction. The firm also offers non-discretionary recommendation services. Investment strategies include buy-and-hold, short-term purchases, and diversified asset allocation. PFO does not engage in soft dollar arrangements and does not aggregate client trade orders. The firm has a trade error policy to resolve errors in the client's best interest. Clients are responsible for voting proxies for securities they own. PFO does not vote proxies on behalf of clients. The firm does not have custody of client assets but has authority to deduct advisory fees directly from client accounts. PFO does not receive referral fees from third parties and has no financial conditions impairing its ability to meet commitments. For more information, visit www.piowealth.com or contact PFO at 305-935-5502.

Rivo Alto Capital Funding, LLC was established in 2012 by Joel Eidelstein and Mark Feldman, offering discretionary investment advisory services and portfolio management to pooled investment vehicles focused on the private mortgage sector. The firm manages assets totaling $11,075,835 as of December 31, 2024, exclusively from Private Fund assets. Fees for investments are outlined in Fund Offering Documents, with management fees based on outstanding loan balances. Rivo Alto may receive additional fees for services like mortgage origination at market rates. The firm may charge performance fees to "Qualified Clients" meeting specific criteria under the Investment Advisers Act of 1940. Rivo Alto's investment strategy involves first-lien residential and commercial real estate mortgages, managed by its affiliate NWLR. The firm conducts thorough underwriting analyses for credit determinations, monitoring real estate sector trends and macroeconomic factors. Investments are concentrated in mortgage loans, with risks including limited liquidity, interest rate fluctuations, and regulatory changes. Rivo Alto exercises discretion in selecting investments for the Funds, with clients having no decision-making authority. The firm does not engage in soft dollar arrangements or direct brokerage commissions for client referrals. Monthly reviews of Fund holdings are conducted, with quarterly independent audits of cash accounts and compensation. Rivo Alto has custody of client funds and securities under the Custody Rule, complying with audit requirements for each Fund. Clients do not have voting authority over securities.