We are excited to share important news. Fierce is now GalaxyOne.

Backed by Galaxy Digital (Nasdaq: GLXY), GalaxyOne is designed to help you invest, earn and grow your wealth on a platform precision-built for modern investors who expect more. 

With GalaxyOne, you can now:

• Unlock 8.00% premium yield*: Yield is generated by Galaxy’s institutional lending business, active since 2018. Invest your cash in Galaxy Premium Yield for accredited investors only and earn 8.00% yield, guaranteed by Galaxy Digital Holdings LP. Learn more here.  

• Continue to earn more on cash: Earn 4.00% Annual Percentage Yield (APY)** on every dollar with GalaxyOne Cash. Your high-yield cash account is FDIC insured up to $250,000 with banking services provided by Cross River Bank, member FDIC. Interest accrues daily and is paid monthly. Deposit funds. 

• Auto-reinvest your interest: Automate monthly interest to reinvest into bitcoin or other supported crypto, or continue compounding in cash. Track your total earnings. 

• Buy, sell, hold, and transfer crypto: Trade select crypto (BTC, ETH, SOL, PAXG) with real-time execution and transparent pricing. Transfer in crypto.

• Invest across asset classes: Trade 2,000+ commission-free U.S. stocks and ETFs and manage alongside your crypto, cash and yield all on one platform. Start investing. 

• Manage your portfolio effortlessly: Access GalaxyOne on mobile via iOS and now Android and online.

Your Fierce account is now your GalaxyOne account. Simply log in with your existing Fierce credentials to get started.

For more about this transition, read our press release and newsroom article.

Thank you for your continued trust. If you have questions or concerns about your account, contact our Client Service team in app, by phone, or reply to this email.

Follow GalaxyOne to stay updated on new features, products, and ways we will help your money work harder for you.

Onward,

GalaxyOne

*Galaxy Premium Yield is subject to change with a 30-day notice period. 

**APY is effective as of 09/23/25 and subject to change.

Disclosures: 

GalaxyOne Cash account deposits held at Cross River Bank, Member FDIC. Insured up to $250,000. Debit Card issued by Cross River Bank, Member FDIC.

APY is variable and may change at any time before or after account opening.

An accredited investor, as defined by the U.S. Securities and Exchange Commission (SEC) under Rule 501 of Regulation D, includes an individual permitted to invest in certain private securities offerings not registered with the SEC. This status is based on income or net worth.

Galaxy Premium Yield is an investment product and is not a bank deposit or other obligation of, or guaranteed by, any bank. It is not insured by the FDIC or any other governmental agency. The note is unsecured, and investors may lose some or all of their principal. Past performance is not indicative of future results. Interest earned is taxable as ordinary income; please consult your tax advisor regarding your individual tax circumstances.

Galaxy Premium Yield Investment Notes to be offered and sold have not been registered under the Securities Act of 1933, as amended, or state securities laws and may not be offered or sold absent registration with the SEC or an applicable exemption from the registration requirements. This shall not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of the Galaxy Premium Yield Investment note in any state in which such offer, solicitation, or sale would be unlawful prior to registration or qualification under the securities laws of such state. All investing involves risk, including the potential loss of principal. Past performance is no guarantee of future results.

To obtain more information and to consider investing in Galaxy Premium Yield, please see reference here.

Digital assets are highly volatile, not legal tender, and not backed by any government. Investments in cryptoassets involve significant risk, including the potential loss of all principal. Digital assets available on GalaxyOne are held in custodial wallets with Paxos Trust Company, a New York State-chartered trust company regulated by the New York Department of Financial Services. These assets are not insured by the FDIC or SIPC.

Crypto trading on GalaxyOne may be subject to execution, network, or withdrawal fees, including applicable blockchain transaction ("gas") fees. While GalaxyOne does not charge spread markups, other costs may apply. Crypto transactions may trigger taxable events; please consult your tax advisor to understand your individual tax obligations.

GalaxyOne’s crypto services are offered in partnership with Paxos. By using these services, you agree to the GalaxyOne Digital Asset Customer Agreement and Risk Disclosure, available at Paxos Customer Agreement.

GalaxyOne Brokerage accounts are introduced by Fin2, LLC and offered through DriveWealth, LLC, a registered broker-dealer and member FINRA/SIPC. Securities products are not FDIC insured, not bank guaranteed, and may lose value. Commission-free trading refers to $0 commissions for self-directed individual cash brokerage accounts on U.S.-listed equities and ETFs. Other fees and charges (including regulatory fees, foreign transaction fees, and wire transfer fees) may apply. Fractional share trading is available for certain eligible securities; not all securities are available for fractional trading.

GalaxyOne Brokerage accounts and services are available only to U.S. persons who successfully complete KYC verification. All investing involves risk, including the potential loss of principal. You should carefully consider your investment objectives and risk tolerance before trading. Nothing herein should be construed as an offer, solicitation, or recommendation to buy or sell any security.