Sankalp completed an internship with Zolio, an investment management platform, where he learned skills like analyzing stocks, building portfolios, and understanding market movements. During the internship, Sankalp participated in exercises, learned to use the Zolio trading platform, accessed learning materials, surveyed users, and attended webinars. Zolio provided a report detailing Sankalp's trading activity on the platform from June to August 2015, including his portfolio performance, top positions, daily trading patterns, and a comparison of his style to other interns. The report also included results from Sankalp's initial survey about his experiences, strengths, and preferences.

1. Your Investment Career Advantage
September 1, 2015
Dear Sankalp,
Zolio wishes to thank you for your engagement in the Zolio Summer 2015 Investment
Management program.
Having successfully completed the tasks required of an intern, you helped us understand and
improve Zolio as an educational platform for investment management. In addition, you learned
the basics of how to analyze a stock, build a portfolio, and think about market movements and
your trade decisions in the context of your own trading strategy.
The tasks you completed for Zolio included:
Participating in the Zolio psychometric profile exercise
Learning how to operate the Zolio trading platform and build a portfolio of equities and
ETFs
Accessing and commenting on the Learning Center materials
Familiarizing yourself with the user experience of being a Zolio participant in order to
respond to a user survey
Attending multiple webinars for which preparatory work was done ahead of time
In the event future employers wish to verify your participation in the Zolio internship program,
they may reach us as follows:
Zolio, Inc.
1001 Avenue of the Americas
New York, NY 10018
Email: support@zolio.com
Attention: Anna Schuchmann
Tel: 212.403.2840
Again, thank you for your participation and for helping us improve our trading platform and
learning experience.
Regards,
Olive M. Darragh
Zolio, CEO and Founder
www.zolio.com

2. Report for Sankalp Krishnan
June 01, 2015 - August 08, 2015 (Certified by Zolio)
Starting Capital $1,000,000 Net P&L $7,132
Ending Capital $1,007,132 Trading P&L $8,317
Net RoR 0.71% Commissions ($975)
Trading RoR 0.83% Borrow Costs ($210)
Trading Days 49 Executed Trades 193
Distinct Instruments Traded 67
Continued...
RoR
Sankalp Krishnan vs. Market Benchmarks
Sankalp (+0.71%) S&P 500 (-1.42%) Dow (-3.54%) NASDAQ (-0.52%)
8. Jun 22. Jun 6. Jul 20. Jul 3. Aug
0
-5
-2.5
2.5
5
P&L (USD)
Sankalp Krishnan Daily P&L
8. Jun 22. Jun 6. Jul 20. Jul 3. Aug
-20k
0k
20k
40k

3. By Type By Direction By Status
Zolio Performance Report for Sankalp Krishnan (continued)
Monthly Performance
Period PnL RoR S&P Dow NASDAQ
Jun. 01-30 2015 (6,617) -0.66% -2.10% -2.17% -1.64%
Jul. 01-31 2015 19,664 1.98% 1.97% 0.40% 2.84%
Aug. 01-07 2015 (5,915) -0.58% -1.25% -1.79% -1.65%
Wins / Losses
Top 5 Losing Days Top 5 Winning Days
2015-07-24 (14,850) -1.46% 2015-07-16 25,468 2.54%
2015-07-08 (9,620) -0.97% 2015-08-05 10,211 1.01%
2015-06-29 (8,857) -0.88% 2015-07-28 7,984 0.80%
2015-08-06 (6,997) -0.69% 2015-07-10 6,102 0.62%
2015-07-02 (6,199) -0.62% 2015-07-13 5,921 0.60%
Top 5 Losing Positions Top 5 Winning Positions
CI (8,191) NFLX 24,363
ANTM (7,318) MO 7,081
BRKS (4,395) MSFT 2,781
HUM (4,244) LOCK 1,910
USO (3,904) SLB 1,893
Orders / Trades
Total orders: 201 | Filled orders: 193 | Avg. orders/day: 4.1
This performance report has been certified by Zolio, an independent trading platform with real-time market feeds.
Employers should feed free to contact Zolio at support@zolio.com with any questions or for further clarification.
Market
Limit
Stop
Buy
Sell
Filled
Expired
Cancelled

4. Zolio Profile Report for Sankalp Krishnan (continued)
Portfolio Overview
Below are all positions held during your trading experience. Note that the maximum short and long market values
reflect position valuation at the close of trading and might not reflect intraday position or pricing changes.
Positions where neither value is provided reflect a position that was opened and fully liquidated on a single day.
Instrument Trades
Max Long
Mkt.Value
Max Short
Mkt.Value
P&L
Basic materials $1,994
Schlumberger Limited (SLB) 6 — — $1,893
Seadrill Limited (SDRL) 2 — — $101
Consumer goods $9,720
Altria Group Inc. (MO) 3 $64,752 — $7,081
The Clorox Company (CLX) 3 $32,210 — $1,879
Apple Inc. (AAPL) 3 $25,718 — ($1,602)
Archer Daniels Midland Co. (ADM) 2 $10,400 — ($712)
Kimberly-Clark Corporation (KMB) 2 $11,294 — $699
The Hershey Company (HSY) 3 $37,144 — $594
Colgate-Palmolive Co. (CL) 3 $22,374 — $583
British American Tobacco p.l.c. (American
Depository Receipts) (BTI)
2 $7,756 — $564
Tyson Foods Inc. (TSN) 2 $6,301 — $497
Estee Lauder Companies Inc. (EL) 2 $13,443 — $198
Diageo plc (DEO) 1 $22,790 — ($73)
General Motors Company (GM) 2 — — $12
Financial ($2,696)
United States Oil Fund, LP (USO) 8 $34,100 — ($3,904)
iPath S&P 500 VIX ST Futures ETN (VXX) 43 — — $1,309
Central Fund of Canada Limited (CEF) 1 $21,100 — ($249)
iShares MSCI United Kingdom Index Fund (EWU) 2 — — $61
Deutsche Bank AG (DB) 2 — — $46
Market Vectors Gold Miners ETF (GDX) 2 — — $42
Healthcare ($22,222)
CIGNA Corporation (CI) 3 $69,462 — ($8,191)
Anthem Inc. (ANTM) 3 $79,295 ($17,104) ($7,318)
Humana Inc. (HUM) 2 $84,348 — ($4,244)
Biogen Inc. (BIIB) 1 $16,703 — ($3,060)
Aetna Inc. (AET) 1 $19,508 — ($2,524)
WellCare Health Plans Inc. (WCG) 3 — ($43,710) $1,786
UnitedHealth Group Inc. (UNH) 1 $94,395 — ($1,758)
Centene Corporation (CNC) 1 $12,135 — ($1,546)
Baxter International Inc. (BAX) 2 $20,478 — $1,344
GlaxoSmithKline (GSK) 2 $32,693 — $1,171

5. Valeant Pharmaceuticals International Inc.
(VRX)
3 — ($46,790) $1,033
Molina Healthcare Inc. (MOH) 2 $15,322 — $770
Abbott Laboratories (ABT) 2 $10,240 — $502
AstraZeneca Group plc (AZN) 2 — ($20,367) ($500)
Allergan Inc. (AGN) 2 $32,698 — $214
Sanofi (SNY) 2 — — $91
Teva Pharma Ind Shs Sponsored American
Deposit Receipt Repr 1 Sh (TEVA)
2 — — $6
Industrial goods $10
General Electric Company (GE) 4 — — $10
Services $18,228
Netflix Inc. (NFLX) 2 $141,522 — $24,363
The Gap Inc. (GPS) 1 $29,415 — ($2,268)
McKesson Corporation (MCK) 1 $23,604 — ($2,013)
Bed Bath & Beyond Inc. (BBBY) 1 $17,778 — ($1,564)
Best Buy Co. (BBY) 1 $12,254 — ($1,192)
Nordstrom Inc. (JWN) 2 $11,928 — $825
Wendy's Company (The) (WEN) 1 $10,110 — ($714)
Kohls Corporation (KSS) 2 $12,992 — ($603)
Lithia Motors Inc. (LAD) 3 — ($176,580) $542
The Walt Disney Company (DIS) 5 $60,560 — $442
Kroger Co. (KR) 2 $7,834 — $414
DISH Network Corporation (DISH) 1 $13,850 — ($279)
Etsy Inc. (ETSY) 2 — — $236
Macy's Inc. (M) 2 $14,560 — $40
Technology $2,098
Brooks Automation, Inc. (BRKS) 2 $112,300 — ($4,395)
Microsoft Corporation (MSFT) 2 $47,540 — $2,781
LifeLock Inc. (LOCK) 2 $80,500 — $1,910
Arista Networks (ANET) 3 — — $1,352
Akamai Technologies Inc. (AKAM) 1 — ($15,342) ($1,288)
NeuStar Inc. (NSR) 4 — — $1,280
AT&T Inc. (T) 1 $69,320 — ($1,269)
Imperva Inc. (IMPV) 3 — — ($915)
Axcelis Technologies, Inc. (ACLS) 3 — ($16,050) $728
International Business Machines Corporation
(IBM)
2 — — $561
RingCentral Inc. (RNG) 2 — — $522
Intel Corporation (INTC) 2 — — $455
Google Inc. (GOOGL) 2 — — $263
Verizon Communications (VZ) 4 $9,334 — $230
KLA - Tencor Corporation (KLAC) 2 $31,830 — ($119)

6. Zolio Profile Report for Sankalp Krishnan (continued)
Trading Style Comparison
These comparisons show core metrics for your account versus the average values of your intern class.
Metric Sankalp Krishnan Summer 2015 (Avg)
Overall Performance
Rate of Return +0.71% -0.61%
P&L $7,132 ($6,124)
Trades and Executions
Number of Trades 193 47
Avg Trade Market Value $38,179 $52,282
Distinct Instruments Traded * 67 22
Avg Trade Confidence 65 66
Average Daily Market Values
Long Portfolio $547,732 $377,636
Short Portfolio ($38,017) ($43,286)
Available Buying Power $524,437 $671,579
Journaling & Engagement
Weekly Journals ** 8 7.9
Trade Journals 194 39.8
Percent of Trades Journaled 96% 74%
* To be in compliance with Zolio trading rules, participants must trade at least ten distinct instruments.
** Participants must submit weekly journal entries to continue trading on the platform.
This performance report has been certified by Zolio, an independent trading platform with real-time market feeds.
Employers should feed free to contact Zolio at support@zolio.com with any questions or for further clarification.

7. Zolio Performance Report for Sankalp Krishnan (continued)
Zolio Experiences, Strengths, and Preferences (Zolio ESP™)
At the start of your Zolio experience, we asked you to complete an initial survey with many questions about your
experiences, strengths, and preferences (Zolio ESP™). This section of your report is meant to provide you with
feedback about those Zolio ESP™ results which are linked to your personality and behavior.
With extensive investing experience on Zolio's platform we endeavor to highlight the correlation between your
Zolio ESP™ profile answers and your trading performance. The more data we have, the more accurate the
correlations. However, with a relatively short trading history, correlations are unlikely to emerge or be
accurate. Thus your Zolio ESP™ feedback focuses only on how you answered the questions relative to
your peers.
Here are a few important things to remember about your results:
1. There is no "right" or "best" or "bad" set of Zolio ESP™ results. The results are about you and your
talent as it played out in the Zolio process.
2. You can be successful, or not, using any set of personal strengths and styles. The key is understanding
your personal strengths and style. Zolio ESP™ may help you achieve that by looking at how you
answered the questions relative to your peers.
3. You may believe that your talents and style "really" are different from your Zolio ESP™ results. That could
be due to some or all of the following factors:
You might think of yourself personally being one way, but you answered the questions on the Zolio
ESP™ in a different way.
You thought some of the questions were just plain odd and you weren't sure what was being asked. If
you had understood them differently you might have responded differently.
Maybe you tried to game the items (i.e. thought there were "right" answers) and if so these results
reflect how you seem while trying to guess right answers rather than how you truly are.
4. Your Zolio ESP™ results may be more accurate than you think they are. Consider what you would be like if
the results were really true; how do your experiences, strengths, and preferences contribute to your
success or developmental needs? Take whatever the outcomes and feedback tell you, and work with them
to build yourself as an investor and trader.
Continued...

8. Zolio Performance Report for Sankalp Krishnan (continued)
Benchmarking your results
Extensive research by Zolio and many others in the investment world indicate that successful investors have a
broad range of talents and traits. Zolio focuses on a few that are consistently seen as correlated with success as
an investor. These traits and talents can be combined in many ways. There are few, if any investors, who are
equally strong across all talents and traits. Your feedback report indicates how you scored on the Zolio ESP™
relative to your peers in terms of these talents and traits.
Financial analytical ability and market savvy: successful investors are highly analytical. They are
swayed by logic, facts, and evidence.
Self-management: successful investors are highly goal-oriented and disciplined. They use their trading
results to keep score not only relative to other investors, but relative to their own goals. These investors
have not only an overall trading plan for their portfolio, but have one for individual trades as well. The best
investors, at times, lose money, but unlike others they have two responses to losing money: first, they
relentlessly analyze their trading plans and execution so as to not repeat their mistake, and second they
systematically work their way back from losses in accordance with their trading plans.
Openness to new experience: successful investors are always looking for new investing ideas even in
well-defined market segments. They are always questioning their trading ideas and seeking feedback from
trusted sources. These investors also filter out sources that are untrustworthy or unfruitful. In a world
where new trading opportunities are constantly being marketed, it’s important for these traders to be
open to opportunities but be prudent with their sources by filtering out noise, hearsay and information
that is not fact-based.
Emotional self-regulation and capacity for risk tolerance: successful investors are able to function in
the face of adversity or elation without losing their perspective. They channel their emotional energy into
the "rage to master" rather than raging against adversity. They define first what levels of returns they wish
to achieve, and then define what level of risk they are willing to take to achieve those returns. Return
targets may be tempered by the investor’s capacity to manage unease about risk.
The chart above show your Zolio ESP™ results relative to Zolio participants whose P&L performance was in the top quartile. The scores are reported using a "T-
scale score," which is a scale with an average value of 50 and a standard deviation of 10. Thus, a score of 50 is average relative to others, a score of 60 is higher than
84% of all others, and a score of 40 is higher than 16% of all others.
T-scale score
Sankalp Krishnan Zolio ESP Performance
52
42
47 4950 49 49 50 Sankalp Krishnan
Zolio Traders
(top quartile)
Financial
Analytical Ability
& Market Savvy
Self-Management Openness Self Regulation
and Risk
Tolerance
0
25
50
75
100