Page 1 | Terms of Service and User Agreement

These Terms of Service aim to clearly define the rights and obligations between users and PO Wealth Sharing Group. By accessing and using all services provided by our company, users agree to accept and abide by all contents of these Terms. PO Wealth Sharing Group is committed to providing users with convenient, secure, and efficient investment trading services, while ensuring a transparent and trustworthy service experience. These Terms will detail all matters involved in the use of the services, including but not limited to account management, investment processes, profit distribution, fee structures, and risk warnings. We recommend that users carefully read and understand these Terms before using our services.

By registering, accessing, or using any services provided by PO Wealth Sharing Group, users indicate that they have read and fully agree to these Terms of Service. If users do not agree to any content in these Terms, please do not continue to use our services. By continuing to use this service, users acknowledge and agree to be bound by these Terms and subsequent updated versions.

PO Wealth Sharing Group reserves the right to modify, update, or revise these Terms at any time. The revised Terms will take effect immediately upon publication on the platform or notification to users through other means. Users are responsible for periodically checking for updates to the Terms. If a user continues to use this service after the terms have been changed, it will be deemed that the user has accepted the updated terms.

Page 2 | Definitions and Interpretations

In these Terms, “Services” refers to all investment and trading-related services provided by PO Wealth Sharing Group, including but not limited to stock trading, investment advisory services, profit distribution services, and other financial investment-related products and functions. Through these services, PO Wealth Sharing Group provides support to users to assist them in investing in the US stock market and provides them with corresponding analysis and advice.

“User” refers to any individual or legal entity that registers and agrees to abide by these Terms of Service. By registering an account and using or accessing the services provided by PO Wealth Sharing Group, a user agrees to all contents of these Terms. Users must ensure that the information they provide is accurate and complete and complies with the requirements of these Terms when using the services.

Common terms in these Terms include “Co-investment,” which refers to a user choosing to conduct the same investment operations as other investors based on the recommendations or analysis of PO Wealth Sharing Group; and “Profit Distribution,” which refers to the process of distributing investment returns to users according to investment results and the profit ratio stipulated by the platform. Furthermore, “account” refers to a personal investment account registered by the user and used to access the platform’s services; all operations are conducted through this account. Other terms will be further explained and clarified in the relevant sections.

Page 3 | Registration and Account Management

When registering an account on the PO Wealth Sharing Group platform, users must provide accurate and complete personal information, including but not limited to name, contact information, and identity information. Users promise that the information provided is true and valid and guarantee to update it promptly when changes occur. The platform has the right to review the information provided by users and request supplementary materials to ensure the compliance of account registration.

Users are responsible for ensuring the confidentiality and security of their account information. Account passwords should be set by the users themselves, and measures should be taken to prevent password disclosure. If a user discovers unauthorized use of their account or other security issues, they should immediately notify PO Wealth Sharing Group. The platform will take necessary security measures based on the actual situation but is not responsible for account security issues caused by the user’s personal mistakes or negligence.

Account use is limited to legitimate purposes. Users promise to use their accounts reasonably in accordance with these terms and relevant laws and regulations and will not use the platform for any illegal or irregular operations. If the platform discovers any misuse or illegal activity in a user’s account, it reserves the right to suspend or cancel the account and may take appropriate legal action.

Page 4 | Investment and Trading

Users investing on the PO Wealth Sharing Group platform must meet certain eligibility requirements. Users must be at least 18 years old or of legal investment age in their country/region and possess sufficient risk tolerance. Users must also pass the platform’s identity verification process (including but not limited to KYC and AML checks) to ensure they comply with investment regulations. Only users who meet these requirements can invest on the platform.

The investment process includes users selecting desired investment products, authorizing transactions, and depositing funds. Users can select products that align with their investment objectives based on the platform’s stock analysis, market recommendations, and other investment products. Before investing, users need to authorize the platform to execute relevant trading operations. All investments will be processed through the user’s account and executed by PO Wealth Sharing Group’s professional team.

Regarding fund deposits and withdrawals, users can deposit funds into their platform account through various methods. After depositing funds, users can use them to invest in their selected products. Withdrawals are also processed through the platform, allowing users to withdraw funds from their accounts. The platform may impose certain restrictions on withdrawals, including but not limited to minimum withdrawal amounts, transaction fees, and processing times. The deposit and withdrawal of funds are subject to relevant policies and procedures to ensure the safety and compliance of funds.

Page 5 | Risk Statement

Investment activities inherently involve risk. Market volatility and unpredictability mean that investment results cannot be guaranteed. PO Wealth Sharing Group is not liable for user investment failures, especially losses caused by market volatility, economic changes, political events, or other uncontrollable factors. Users should understand that all investments carry inherent risks, investment returns are unpredictable, and there is a risk of principal loss.

When making investment decisions, users should fully assess their risk tolerance and financial situation. PO Wealth Sharing Group recommends that users seek appropriate consultation and careful consideration before investing. The information and advice provided by the platform are for reference only and do not constitute specific investment advice or a commitment. Users should make independent investment decisions based on their own investment objectives, financial situation, and risk appetite.

Market volatility is a significant component of investment risk. Both short-term fluctuations and long-term economic cycle changes can affect investment performance. External factors such as economic recession, political instability, or other unforeseen events can cause significant market price fluctuations, thereby affecting investment outcomes. Therefore, users should be aware that while PO Wealth Sharing Group provides professional analysis and advice, the ultimate investment risk remains with the user.

Page 6 | Returns and Distribution

Users’ investment returns will be based on the market performance of the products they select on the PO Wealth Sharing Group platform. Return calculations will consider factors such as investment amount, market changes, trading frequency, and platform fees. The platform provides detailed return calculation tools to help users view the expected returns and historical performance of different investment products. Investment returns will be calculated daily, weekly, or monthly and updated in real time, ensuring users can view and adjust their portfolios at any time.

Regarding return distribution, users’ returns will be distributed within the periods stipulated by the platform. PO Wealth Sharing Group will distribute investment returns to users proportionally according to the relevant agreements of its investment products. The platform will charge a certain percentage of commission to cover costs related to analysis services and trade execution. The platform’s commission structure is clear, ensuring transparency and fairness, and will be detailed in the investment agreement. Furthermore, the platform provides an automated distribution system to ensure users receive their due returns on time.

For some investment products, there may be return caps. The platform will clearly set these caps in the relevant investment product descriptions, including but not limited to maximum limits on investment returns. Users should carefully read the relevant information and understand any potential return restrictions before investing. Page 7 | Fees and Commissions

Users may incur various fees while using PO Wealth Sharing Group’s services. Common fees include, but are not limited to, investment management fees, transaction fees, and deposit/withdrawal fees. These fees will be clearly listed in the platform’s service agreement and will be communicated to users in advance during the investment process. The platform will ensure that all fee structures are clear, transparent, and fair.

Regarding commission structures, PO Wealth Sharing Group will take a percentage of the user’s investment returns as commission. The specific commission percentage will vary depending on the investment products and services chosen by the user. Typically, the platform will adjust the commission percentage based on factors such as transaction amount, investment period, and account level. The platform’s commissions are primarily used to cover operational costs such as trade execution, market analysis, and customer service, ensuring that the services provided by the platform remain efficient and of high quality.

The platform reserves the right to adjust the fee and commission structure according to market changes. These adjustments may be affected by market conditions, operating costs, and other external factors. PO Wealth Sharing Group will notify users of any fee adjustments in advance and ensure transparency and fairness in the adjustment process.

Page 8: Compliance and Legal Obligations

PO Wealth Sharing Group strictly adheres to applicable laws and regulations to ensure the platform’s legal and compliant operation. The platform is committed to providing safe and transparent services and follows international standards to protect users’ rights and funds. The platform will regularly review its compliance to ensure adherence to the legal requirements of the region and country in which it operates, guaranteeing that all users’ investment and trading activities on the platform do not violate any regulations.

To ensure the safety of users’ funds, PO Wealth Sharing Group implements strict anti-money laundering (AML) policies and Know Your Customer (KYC) procedures. Users must provide true and valid identity information to complete verification before registering an account and conducting transactions. The platform will regularly review users’ identities in accordance with relevant regulations and monitor and report suspicious activities to prevent illicit fund flows and money laundering.

Regarding tax compliance, users are responsible for complying with the tax regulations of their country or region and declaring the corresponding taxes to the tax authorities based on their investment situation. PO Wealth Sharing Group does not provide tax advice; users should consult professional tax advisors themselves to ensure their investment activities comply with tax regulations.

Page 9: Platform Responsibilities and Disclaimers

PO Wealth Sharing Group makes every effort to ensure the normal operation of the platform and provide high-quality services. However, the platform is not liable for losses caused by uncontrollable external factors (such as hacker attacks, technical failures, natural disasters, etc.). The platform will try its best to prevent these risks, but cannot guarantee 100% avoidance of the impact of external factors. Users should understand and bear the corresponding risks. In the face of force majeure events, the platform may not be able to restore services in a timely manner, and users should be prepared for such risks.

PO Wealth Sharing Group has the right to suspend or interrupt services when the platform is undergoing maintenance or encountering other unforeseen circumstances. Such suspensions or interruptions may affect users’ transactions or account usage. The platform will try its best to notify users in advance and restore services as soon as possible. Users should accept the platform’s operations and adjustments during this process. The platform will, within reasonable limits, try its best to ensure the timely restoration of services and the integrity of data, and protect users’ basic rights.

PO Wealth Sharing Group explicitly states that it does not guarantee any investment returns. All investments are subject to market fluctuations and risks, and investors’ funds may be lost. All services and advice provided on this platform are for reference only. Users must make independent investment decisions based on their own risk tolerance. The platform is not responsible for investment losses arising from market fluctuations.

Page 10: Dispute Resolution and Applicable Law

In the event of a dispute, PO Wealth Sharing Group and the user shall resolve the issue amicably through negotiation. If the negotiation fails to reach an agreement, both parties agree to resolve the dispute through mediation or arbitration. Mediation or arbitration will be conducted within an appropriate legal framework and suitable jurisdiction to ensure a fair and efficient process. The user agrees to handle all disputes in accordance with the legal procedures of the platform’s location. If mediation or arbitration fails to resolve the issue, the user agrees to submit the dispute to a court for adjudication.

These Terms of Service are governed by the laws of the platform’s place of registration and shall comply with the legal provisions of that region. Regardless of where the dispute occurs, the applicable law will always be the law of the platform’s location. The user agrees to waive the right to bring litigation in other jurisdictions and to comply with the jurisdiction of the courts in the platform’s location. The platform will take appropriate measures to protect the user’s rights and ensure that disputes are resolved within the legal framework.

PO Wealth Sharing Group reserves the right to modify or terminate the service as appropriate. The revised terms will be published on the platform or notified to users through other means, and users should comply with the latest version of the terms after being notified. If users do not agree to the revised terms, they may choose to stop using the platform services. The platform will make reasonable adjustments to its services and provide support to users to ensure the timely updating and enforcement of the terms.