PB Optimize vs Null Island

PB Optimize is a cloud-based technology solution designed to enable institutional investors to generate “operational alpha” through proper management of financing, collateral, treasury, and portfolio risk. Security: PB Optimize is committed to your security, supporting two-factor authentication and biometric login. Transparency: PB Optimize provides access to real time market and proprietary data for greater transparency and unique insights to inform decision-making. • Intraday and historical coverage on lending rate and liquidity levels • PB Optimize Marketplace provides bids for competitive pricing and cost savings Efficiency: PB Optimize helps streamline workflows and create efficiencies with flexible technology. • Customizable settings create a unique user experience • Multi-condition alerts allow users to monitor portfolio and market events • Movements Tools streamline workflows related to Asset Transfers across various counterparties 1163632.17.0

** Null Island is a companion application for individual and enterprise taxpayers who utilize Null Island’s tax compliance platform directly, through their advisors, or through their enterprise. ** USE CASES Tax Domicile | Tax Residency | Income Allocation | UBT EVIDENCE THAT COUNTS Not all applications are created equal. Some are built for casual tracking; Null Island is built for high‑stakes tax audits. With Null Island, you will walk into an audit with court-grade evidence designed to support defensible location records in high-stakes tax audits. If your evidence falls short, what’s at risk is back taxes, penalties, interest, and professional time that can run into tens or hundreds of thousands of dollars. That’s why several leading practitioners recommend Null Island: it’s designed to stand up to scrutiny and resolve audits quickly and confidently. ADMISSIBLE BY DESIGN. Admissible evidence does not happen by accident. Null Island is natively architected with audit scrutiny in mind, including in high-enforcement jurisdictions. Null Island’s platform has supported taxpayers and their advisors in several audits. WHY NULL ISLAND * Engineered for Completeness: Proprietary location algorithms are tuned for data completeness, reducing gaps that can weaken your evidence. * Evidence that agrees with itself: By bringing together travel records, expense receipts, toll records — and even selfies — alongside app location data, Null Island helps your residency story corroborate itself.  * Modern under the hood: Simple on the surface. We use modern data infrastructure and intelligence behind the scenes so your day-to-day experience feels as straightforward as it should. * Case Ready: Outputs arrive in final, audit-ready form, so you or your advisor can review or submit them directly — without burning hours doing the rework. PRIVACY FIRST. We are a privacy‑first company. We never sell or disclose your data, ever. Data is encrypted at rest and in transit and stored on secure servers in the US and EU. You control retention and export. We maintain a vetted list of sub-processors and follow data-minimization and least-privilege principles. SERVICE MATTERS. Your time is your most valuable asset. Null Island offers a concierge-style experience—real people, available on your schedule—to help you get set up, stay on track, and feel confident before and during an audit. Our job is to do the worrying so you don’t have to. Questions? Reach out to us any time at support@nullisland.ai or ask your tax or wealth advisor. Null Island does not provide tax or legal advice. Please consult your professional advisors for guidance specific to your situation.