🔗 How This Fits Into the Overall Process

(Asset Monetization • Co-Signatory • Smart Plan)

🧩 How the Documents Work Together

The Confirmation of Co-Signatory / Assignment, Asset Monetization Procedures, and the Smart Plan Agreement are intentionally interconnected. Each document serves a distinct institutional purpose, and together they form a complete, bank-recognized framework.

No document replaces another.
Each activates a different layer of authority, protection, and execution.

1️⃣ Smart Plan Agreement (Foundation)

The Smart Plan Agreement is the governing engagement agreement between the client and U.S. Capital Private Bank.

It establishes:

• Authorization to act on the client’s behalf

• Bank-to-bank communication authority

• Transaction workflow and safeguards

• Cost transparency and process order

Nothing proceeds without the Smart Plan Agreement.

➡️ Think of this as the operating framework.

2️⃣ Asset Monetization Procedures (Asset Qualification & Structuring)

The Asset Monetization Procedures define:

• How assets are authenticated

• How value is verified

• How ownership and chain of custody are confirmed

• How assets can be structured for use

This procedure determines whether an asset can be used at all, and how.

➡️ Think of this as the asset verification and structuring layer.

3️⃣ Confirmation of Co-Signatory / Assignment (Execution Enabler)

The Confirmation of Co-Signatory / Assignment is used only when required, typically when:

• An asset is used instead of cash

• U.S. Capital deploys its own funds or balance sheet

• Collateral substitution or credit enhancement is needed

• A transaction cannot proceed without institutional backing

This document:

• Grants U.S. Capital temporary, defined rights over the asset

• Allows the asset to be used institutionally

• Enables execution without forcing liquidation

➡️ Think of this as the execution and balance-sheet activation tool.

🔄 Simple Flow (Client View)

1. Smart Plan Agreement signed

2. Asset reviewed under Asset Monetization Procedures

3. If needed, Co-Signatory / Assignment executed

4. U.S. Capital structures and executes the transaction

Each step builds on the last.

🧠 In Plain English

The Smart Plan authorizes the relationship.
Asset Monetization proves the asset.
The Co-Signatory allows U.S. Capital to use its balance sheet to get the deal done.

❗ Why This Structure Matters

This layered approach:

• Protects the client

• Protects the bank

• Satisfies institutional risk controls

• Prevents mid-transaction disputes

• Allows flexibility without legal shortcuts

It is how complex transactions are done safely.

📌 Where You’ll See These Cross-Linked

• Asset Monetization FAQ → references Co-Signatory

• Co-Signatory FAQ → references Smart Plan

• Smart Plan KB → references Asset Monetization & Co-Signatory

• Onboarding workflow → points to all three

This ensures no document stands alone or is misunderstood.