These Terms and Conditions govern the relationship between Carolyn Greenwood Nelson (hereinafter referred to as "the Stock Broker") and clients utilizing the brokerage services described herein. By engaging our services, you agree to be bound by these terms.

The Stock Broker provides internet trading services for investing, trading, or dealing in securities, contracts, and other instruments admitted to dealings on stock exchanges. Services include:

• Online trading platform access
• Mutual fund transactions (purchase, redemption, sale, buyback)
• Investment advisory services
• Account management

1. Clients authorize the Stock Broker to execute instructions regarding transactions.
2. Instructions may be given in the client's sole name or jointly with others.
3. The Stock Broker may provide certified copies of authorization documents to relevant parties when required.

1. All official communications will be conducted via email to carolyn.nelson@davidsonwealthteam.com
2. Notices are deemed received when electronic confirmation of transmission is acknowledged.
3. Clients must maintain current contact information with the Stock Broker.

1. The Stock Broker reserves the right to refuse instructions not given in acceptable form.
2. The Stock Broker is not responsible for verifying instruction authenticity but will act in good faith.
3. Clients are responsible for ensuring transactions comply with all applicable laws and regulations.
4. The Stock Broker may impose and vary transaction limits at its discretion.

1. A commission rate of 15% will be applied to dividends from invested capital.
2. Commission payments will be calculated monthly and paid after month-end closing.
3. Net commission means commission after deductions for transaction fees, credit card fees, or other adjustments.
4. The client has final approval authority on all transactions.

1. Clients must provide accurate personal and banking information.
2. Clients must promptly notify the Stock Broker of any changes to personal details or banking information.
3. Clients must ensure sufficient funds are available for transactions before giving instructions.
4. Clients confirm all invested funds come from legitimate sources and comply with all applicable laws.

1. Instructions received before the daily cut-off time will be processed within three business days.
2. Instructions received after cut-off will be processed the next business day.
3. Transaction details can be viewed online; paper statements available upon written request.

1. Clients may not close or change bank account details without prior notification to the Stock Broker.
2. The Stock Broker may instruct financial institutions to reject unauthorized changes.
3. Clients may terminate this agreement with prior notification after settling all outstanding commissions.

1. International clients may transfer funds via international wire transfers.
2. Clients are responsible for all transfer fees and additional charges.
3. Dividends may be deposited to verified financial institutions at client request.

1. The Stock Broker is not liable for system failures, network errors, or data loss.
2. The Stock Broker is not liable for delays or failures caused by force majeure events including acts of God, epidemics, or civil disturbances.
3. The Stock Broker is not responsible for verifying compliance with investment restrictions.

1. Amendments must be in writing and signed by both parties.
2. Waivers must be in writing and only apply to specific circumstances.
3. Rights under this agreement are cumulative and don't exclude statutory rights.
4. Partial exercise of rights doesn't preclude future exercise.