#

## Portfolio Summary

Initial Capital 2,000 USD
Investment Focus Balanced mix with 50% crypto allocation
Primary Goal Build consistent monthly returns while learning actively with a 10% monthly target.

## Portfolio Allocation Overview

Asset Class | Allocation | Description
--- | --- | ---
Crypto (Active & Long-Term) | 50% | Blend of top-performing, lower-risk assets and emerging tokens with upside
Thematic ETFs (US Market) | 25% | Focused on innovation (AI, clean energy, automation, etc.)
Dividend Stocks (US) | 15% | Established U.S. companies with solid dividend records
Cash Reserve / Short-Term Bonds | 10% | Maintains liquidity and buffers volatility

## Strategy Notes

### Crypto Exposure (50%)

The crypto portion is split across major names like Bitcoin and Ethereum for core stability, alongside smaller but promising assets like Solana, Chainlink, and one or two short-term positions that may rotate depending on market trends. This segment is actively managed and reviewed regularly.

### ETFs (25%)

Selected U.S.-listed ETFs covering innovation, tech, and infrastructure. These are long-term growth vehicles that align with global megatrends and require less frequent trading.

### Dividend Stocks (15%)

Includes U.S. companies with consistent dividend payouts and solid balance sheets. These help to build a passive income base while compounding long-term.

### Cash/Short-Term Bonds (10%)

This provides a modest buffer for rebalancing or taking advantage of future opportunities without needing to liquidate growth positions.

## Key Considerations

Your account is denominated in USDC, a USD-backed stablecoin. This means your capital and gains are shielded from currency fluctuations, if you decide to withdraw or repatriate funds later.

As performance builds, you'll begin to notice which parts of the portfolio contribute the most toward your goals. Our approach is flexible, so we'll adjust the strategy to match your timeline and personal circumstances.

The commission model here is performance-based. That means I only earn when your portfolio performs.

## Portfolio Allocation Chart

Crypto 50%
Thematic ETFs 25%
Dividend Stocks 15%
Cash/Bonds 10%

## Client Information

Client Name Chwee Chian
Advisor Carolyn Greenwood Nelson
CRD 2081477
Firm DA Davidson
Date

These terms and conditions ("Agreement") governs the relationship between Chwee Chian ("Client") and Carolyn Greenwood Nelson ("Advisor") of DA Davidson ("Firm") regarding discretionary investment management services.

## 1. Purpose of Agreement

This agreement outlines the terms under which Carolyn Greenwood Nelson will provide discretionary investment guidance, trade execution, and portfolio management services to the Client. These services will be based on the Client's stated preferences as indicated in the submitted investment questionnaire, relevant details shared during prior interactions, and the Advisor's professional discretion aimed at supporting the Client's financial goals.

## 2. Scope of Service

The advisor will manage and/or guide the investment of funds deposited by the client into his trading account structured and tracked in USD Coin (USDC) or USD-equivalent terms.

Services include:

- Access to a managed model portfolio which may include elements of copy trading.
- Ongoing portfolio monitoring and rebalancing.
- Tailored investment decisions aligned with the client's stated risk profile and objectives.
- Trade-idea-based communication (where applicable).

## 3. Execution of Trades

Execution of trades will occur under a copy-trading format, where the client's portfolio mirrors a master portfolio managed by the Advisor. Adjustments will be made when necessary to reflect the Client's specific risk tolerance and objectives. Client can view real-time updates, monitor trades, and track performance.

## 4. Withdrawal

Funds can be withdrawn at anytime, provided they are not currently involved in an active trade.

## 5. Fee Structure

1. No upfront or flat management fees will be charged.
2. A performance-based fee of 15% will apply to net realized profits. No fee is charged unless the portfolio achieves gains, ensuring full alignment between the Advisor's and Client's interests.
3. Fees are calculated in the base currency (USD or USDC) and settled accordingly.
4. This fee arrangement may be reviewed and adjusted over time, subject to mutual agreement based on portfolio performance, size, or other relevant factors.
5. The client has final approval authority on all transactions.

## 6. Risk Disclosure

1. Investments in cryptocurrency and equity markets carry inherent risks, including the risk of partial or total capital loss.
2. Past performance is not indicative of future results.
3. The advisor will take reasonable steps to manage risk but does not guarantee returns.
4. Client acknowledges and accepts these risks before engaging in this investment service.

## 7. Confidentiality and Data Protection

The Advisor is committed to protecting the Client's personal and financial data in accordance with applicable data protection laws and industry standards.

All digital communications, account access, and documentation are secured using encryption protocols. The Client's data will not be shared or used for any purpose other than for providing agreed services, unless required by law or explicitly authorized by the Client in writing.

## 8. Termination

1. Either party may terminate this agreement at any time with written notice.
2. Upon termination, all positions will be closed (if under full management) or transferred to the client for independent management.

## 9. Consent & Agreement

By proceeding with the portfolio, the client acknowledges understanding and agreement to the terms stated herein. The client further confirms that all information provided in the questionnaire is accurate and complete to the best of their knowledge.

## 10. Limitation of Liability

1. The Advisor shall not be held liable for any direct or indirect loss resulting from system outages, internet connectivity issues, platform malfunctions, or data transmission failures beyond their control.
2. The Advisor shall not be responsible for any delay or failure to perform obligations under this agreement due to force majeure events, including but not limited to natural disasters, pandemics, war, civil unrest, or regulatory changes.
3. The Client remains responsible for adhering to any investment restrictions or limitations applicable to their personal or legal circumstances. The Advisor shall not be held liable for non-compliance in this regard unless explicitly informed in writing and acknowledged.
4. The Client is responsible for maintaining the confidentiality of their login credentials and notifying the Advisor promptly of any suspected unauthorized access.

## 11. General Provisions

1. All amendments or modifications to this agreement must be made in writing and mutually signed or acknowledged by both parties.
2. Any waiver granted under this agreement shall be in writing and shall apply only to the specific instance for which it was granted.
3. The rights and remedies of each party under this agreement are cumulative and do not exclude any rights provided by law.
4. The partial exercise of any right or remedy shall not prevent its future full exercise.

## 12. Communication and Access

1. All official communication regarding this agreement, trade updates, and performance summaries will be conducted through the Advisor's designated platforms or official email address (carolyn.nelson@davidsonwealthteam.com).
2. In rare technical cases where firm channels are temporarily unavailable, clients may be contacted through alternate means, but documentation will resume on the official platform as soon as possible.
3. Notices are deemed received when electronic confirmation of transmission is acknowledged.

## 13. Governing Law and Jurisdiction

1. This agreement shall be governed by and interpreted in accordance with the laws of the jurisdiction under which the Advisor operates.
2. Any disputes arising under or in connection with this agreement shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction, unless otherwise mutually agreed upon in writing.

## 14. Conflict of Interest

The Advisor agrees to act in the best interest of the Client and to disclose any actual or potential conflicts of interest that may arise during the course of this engagement.

Where possible, measures will be taken to avoid conflicts. If a conflict cannot be avoided, the Advisor will provide full transparency and obtain the Client's consent before proceeding with any related action.

## Agreement Confirmation

By checking the box below, you confirm that you have read and understood these terms and conditions, and agree to proceed in accordance with them.

Agree to these terms and conditions to continue
Full Name:
Date: