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The "Money Fund Sweep" feature automatically invests in and redeems shares in a SchwabSweep Money Fund as described in the Cash Features Disclosure Statement. If the Electronic Services are available, and you decide to place an order in fast or volatile market conditions, you agree to accept full responsibility for that order. To banks, mutual funds and other entities that are involved with the products or services we offer or arrange on behalf of our customers; When it is reasonably requested by a third party to complete a transaction; To verify the existence or condition of your account for a credit bureau or merchant; To comply with a subpoena, court order or request from a government agency or law enforcement authority; To evaluate your creditworthiness or the collectibility of any debt you owe us; Pursuant to Rule 14b-1 under the Securities and Exchange Act of 1934, to companies in which you hold securities, unless we receive your written objection; or. Schwab may place any security held in your Account into the Margin Account portion of your Account. If arbitration before FINRA or an eligible national securities exchange is unavailable or impossible for any reason, then such arbitration will be conducted by, and according to the rules and regulations then in effect of, the American Arbitration Association (AAA). If your account is managed by an advisor, please contact your advisor directly, or call Schwab Alliance at1-800-515-2157. Similarly, important financial information is frequently announced outside of regular trading hours. You agree that confirmation of your wire instruction by telephone, or online through our website or by wireless device (which consists of both electronically authenticating and authorizing the wire instruction through encrypted channels), or our reliance on any password or other security procedure that you and we agree upon, shall be deemed to be a commercially reasonable security procedure, in light of the anticipated size, type, and frequency of your wire transfers. Click Message Center (under the Services tab), and then click Upload Document. You agree to pay our brokerage commissions and transaction, processing and other fees as they exist from time to time and apply to your account for transactions and services you receive. + Transcript Corporate philanthropy and employee giving Liquidity refers to the ability of market participants to buy and sell securities. Only a few localities are included and the time period varies by locality. Schwab's services that provide the means to place trades electronically should not be construed as an endorsement or promotion of Day Trading. You agree to maintain the security and confidentiality of your Password and to notify us immediately if you have any reason to believe its security or confidentiality has been or may be breached. You acknowledge that when you place a market order, the price of the security may change between the time the order is placed and the time it is executed, and you agree not to hold Schwab liable for these price fluctuations. We are not responsible for, and you agree not to hold us liable for, lost profits, trading losses or other damages resulting from inaccurate, defective or unavailable market data. Deposit accounts at the banks held in your Account are not eligible for SIPC insurance. You agree that we may place trading, disbursement, or other restrictions on your Account as Schwab deems necessary in Schwab's sole discretion, including, but not limited to, the following circumstances: (i) pursuant to a court order, levy, garnishment, or other legal process; (ii) at the request of a government agency, regulatory body, or law enforcement authority; (iii) in the event of a dispute regarding the assets in your Account, including a dispute between the registered or beneficial owners of the Account; (iv) in the event of a dispute between or among joint or multiple Account holders including, but not limited to, joint or multiple tenants, trustees, or authorized agents; (v) in the event of a dispute between or among beneficiaries, or a dispute regarding the proper beneficiary(ies) of your Account; (vi) pursuant to escheatment laws, rules, or regulations; or (vii) as a result of trading or trade-related violations, which may limit your ability to place trades in your Account, such as a cash-up-front restriction. The TCP may be able to help you and Schwab in such circumstances. You agree to the following terms with respect to your use of electronic communications through the Electronic Services: You acknowledge that, in providing you with the Electronic Services, Schwab has relied upon your agreement to be bound by the terms of this Agreement and any user or license agreement(s) related to or accompanying Electronic Services-related software. The price of securities purchased on a next-day or cash settlement basis is usually higher than that of those purchased on a normal settlement basis. We will charge interest on a daily basis on the credit we extend to you. Learn more You understand that these values displayed on your Schwab account statements are provided for your convenience only, may have been reported as long as 18 months prior to statement preparation, and should not be relied upon as any indication of market value. For purposes of this section, "Business Day" means Monday through Friday, except for U.S. stock exchange holidays and bank holidays. You acknowledge that if you do not cancel an open GTC order, the transaction may be completed based on your original instructions. You agree to reimburse us for any costs, losses, indemnity claims, or damages that we incur in connection with your request to amend or cancel a payment order. Unless you make other arrangements with your local Schwab office, we may use available funds in your Schwab Account to settle a transaction. We will combine cash distributions from your account with those from other customers requesting reinvestment in the same security and use these funds to purchase securities for both you and these other customers. Working closely with Schwab Bank can help you make home lending decisions with confidence. It describes the terms under which we extend credit and charge interest and how your obligations are secured by property in your Schwab Account. Initial margin requirements may change without prior notice. I'm having the same issue. The securities in your account may be subject to mandatory and voluntary corporate actions. If you place an order to buy or sell a specific number of shares of a fund, Schwab will calculate the dollar amount of the purchase or sale by multiplying the number of shares by the price and rounding to the nearest two decimal places. Investing in foreign securities, including those traded on domestic exchanges, may result in tax liability or tax reporting obligations to U.S. and/or foreign taxing authorities. In extended hours trading, these announcements may occur during trading and, if combined with lower liquidity and higher volatility, may cause an exaggerated and unsustainable effect on the price of a security. All prices are subject to change without prior notice. This arbitration agreement will be binding upon and inure to the benefit of the parties hereto and their respective representatives, attorneys-in-fact, heirs, successors, assigns and any other persons having or claiming to have a legal or beneficial interest in the Account, including court-appointed trustees and receivers. You agree that Schwab has no responsibility or duty to investigate, evaluate, or report to you any information that Schwab may possess or may become aware of regarding any Non-Publicly Traded Security. If the Account is a retirement plan brokerage custodial account (including a Company Retirement Account [CRA] or Personal Choice Retirement Account[PCRA]) subject to the terms of this Agreement, the Non-Publicly Traded Security may be distributed upon direction of the Trustee or other applicable fiduciary or agent of the plan to the participant in whose Account the Non-Publicly Traded Security is invested, or to the extent not practicable, transferred to the Trustee or other applicable fiduciary or agent to hold the Non-Publicly Traded Security on behalf of the plan. Any communication we direct to a physical address, email address, facsimile, telephone number, or otherwise is considered delivered to you personally, whether or not you actually receive it. Such causes include, but are not limited to: (1)the failure of electronic or mechanical equipment or communication lines; (2)telephone or other interconnect problems; (3)bugs, errors, configuration problems or the incompatibility of computer hardware or software; (4)the failure or unavailability of Internet access; (5)problems with Internet service providers or other equipment or services relating to your computer or network; (6)problems with intermediate computer or communications networks or facilities; (7)problems with data transmission facilities or your telephone, cable or wireless service; or (8)unauthorized access, theft, operator errors, severe weather, earthquakes, other natural disasters or labor disputes. If after your account is closed for any reason, securities or other property from any source are credited to your account, you authorize us to mail to you either certificates for nonfund securities or a check reflecting the cash balance in your account, or both. Or, call TeleBroker, a direct line to our full suite of touch-tone services, at 800-272-4922 ( 800-2SCHWAB ). Any award the arbitrator makes shall be final and binding, and judgment on it may be entered in any court having jurisdiction. Schwab processes your request to change or cancel an order on a best-efforts basis only and will not be liable to you if Schwab is unable to change or cancel your order. Margin calls require prompt delivery according to our instructions of either additional funds or acceptable securities. Schwab can charge a fee when you request a transfer of assets from the Account to another financial institution (a "TOA"), as set forth in the applicablePricing Guideor fee schedule. No change or cancellation of market orders will be accepted through the Electronic Services. Bring the Message tool (s) to the front: Makes the Messages tool the active window in your StreetSmart Edge display. We compound the interest as described in our Disclosure of Credit Terms and Policies. Find a Schwab branch near you by selecting the state, city, or zip code. Schwab may ask you to remove any Non-Publicly Traded Security from your Account at any time and for any reason. By providing us with your telephone number(s), you consent to receiving text messages and phone calls on those telephone number(s) made using an automatic telephone dialing system and/or an artificial or prerecorded voice from us relating to your Account. You may not combine funds from eligible cash distributions with any funds you deposit into your Account to make automatic reinvestment purchases. We will promptly forward to the buying agent all eligible cash distributions that we receive from SCHW for the Schwab StockBuilder Planparticipants. You understand that such order may not be entered if we are unable to contact you to discuss the order. Risk of Wider Spreads. You also agree that if your account holds assets that generate unrelated business income, your account at all times will contain liquid funds to pay any tax imposed on unrelated business income at the time such tax obligation becomes due, and that, if necessary to satisfy any such tax obligation, you will liquidate assets or contribute sufficient amounts to the account. P.O. We will pay all brokerage commissions or service charges assessed by the buying agent that apply to automatic reinvestment transactions in SCHW stock. This affiliation does not limit the authority of our representatives to provide you with information about any available investment vehicles, including third-party mutual funds that are not affiliated with Schwab. Failure to provide us with a valid account number could also limit your access to a Schwab representative. Schwab reserves the right to enter into fee-sharing arrangements with applicable Information Providers, Information Transmitters, and Third-Party Research Providers. Examples include journaling or wiring assets between: an individual's account and his/her Individual Retirement Account; an individual's account and his/her revocable living trust; a husband/wife's joint account and the same husband/wife's community property account. You further authorize Schwab to obtain copies of your consumer and credit reports at its discretion, at any time, for reasons including, but not limited to, the following: We may deny your application to open an account or may decline to offer you certain services available under the Account Agreement in our sole discretion for any reason. You may also have other rights which vary from jurisdiction to jurisdiction. You agree to grant Schwab a continuing security interest in the assets in your Schwab brokerage account(s), if any, to secure the timely payment of all fees owed by you for the Research Reports as well as any other amounts owing under this Agreement or your other agreements with Schwab. You may initiate orders relating to the transferred cash and/or securities only after the transfer process has been completed and the assets have been received by Schwab. Most U.S. citizens and residents otherwise known as U.S. persons, which includes (a)a partnership, corporation, company, or association created or organized in the United States or under the laws of the United States, (b)an estate (other than a foreign estate), or (c)a domestic trust as defined in the IRS regulations, will be exempt from backup withholding if they properly report their name and Taxpayer Identification Number to the payer using Form W-9, affirming their information matches the IRS records, and they have not been notified by the IRS that they are subject to mandatory backup withholding. Charles Schwab, chairman of the eponymous company he founded about 50 years ago, has been a prolific Republican donor. Margin maintenance requirements are set: Margin maintenance requirements may change without prior notice. You agree that you are responsible for all costs, including the cost to repurchase or resell stock, if you buy/sell/transfer/deposit stock that is later found to be restricted or nontransferable. Such recommendation, financial advice, or financial plan only applies at the point in time we provide it to you; Unless we otherwise agree with you in writing, Schwab does not have any discretionary authority or obligation to review or make recommendations for the investment of securities or cash in your account; You, or you and an Investment Advisor other than Schwab, if you have one, will rely on multiple sources of information in making investment decisions for your account, and any information Schwab may provide will not serve as the sole basis for any investment decision you make or made on your behalf; You, or you and an Investment Advisor other than Schwab, if you have one, have an affirmative duty to monitor profits and losses in your account and to modify your trading decisions accordingly; Schwab may make available, to you and your Account, enrollment in certain Schwab offerings which will be composed of specified investment advisory services for which you pay a quarterly asset-based fee, which will generally be charged based on the amount of certain assets in your Account, or, in the case of financial planning services, a one-time flat fee. Schwab may facilitate the trading of a fraction of a share of a security ("Fractional Share"), and subsequently hold Fractional Shares in custody in your account. At our election, all debit balances in your account, including those resulting from extensions of margin credit, will be immediately due and payable. You agree that these fees can be changed without notice. You will be responsible for all orders entered through and under your access number(s), password(s) and account number(s), and any orders so received by Schwab will be deemed to have been received from you. A small number of corporate bonds are listed on national exchanges. A short position held overnight and purchased the next day, prior to any new sale of the same security. Prevent getting your private information stolen by someone monitoring your computer screen. For settlement purposes, Schwab will round either up or down to the nearest penny any amounts owed to or from Schwab. By applying for a margin account and/or placing an order on margin, you acknowledge that you have, along with the terms of the margin agreement, carefully considered all of these factors and have decided that margin financing is appropriate for you. You agree that any such Schwab recommendation will remain in effect only for as long as we tell you that it will remain in effect at the time we make the recommendation. These margin transactions are riskier and involve the possibility of greater loss than transactions where you are not borrowing money. This means that you have authorized Schwab to contact the TCP at our discretion and to disclose any information to address possible financial exploitation, to confirm the specifics of your current contact information, health status, or the identity of any legal guardian, executor, trustee or holder of a power of attorney, or as otherwise permitted by industry regulations or state law. We may select any intermediary bank, funds transfer system, or means of transmittal to send your payment orders. If you have questions about day trader margin requirements, please call your Schwab services specialist or margin specialist. If you wish to have a transaction reviewed, please contact a Schwab representative immediately, as you must make an appeal within 30 minutes of the execution time for a "break" to be considered. You agree to indemnify and hold harmless Schwab, its affiliates, and their directors, officers, employees, and agents from and against all claims, actions, costs, and liabilities, including attorney's fees, arising out of or relating to: Schwab contacting your TCP; Schwab putting a temporary hold on disbursements of funds and/or securities from your account; and Schwab not contacting your TCP or placing temporary holds on disbursements of funds and/or securities from your account. Charles Schwab & Co., Inc. ("Schwab"), member SIPC, is a separate but affiliated subsidiary of The Charles Schwab Corporation. Charles Schwab is chairman and founder of the brokerage firm that bears his name. Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons. At our discretion, we reserve the right not to extend credit on any security. Schwab will not be responsible for any delay or failure to provide the Electronic Services, including the execution of any securities order, in the event there is a restriction on your account, you lack sufficient funds in your account or you delay or fail to make a required cash or equity deposit. If the Non-Publicly Traded Security is represented by a physical certificate in Schwab's possession, Schwab will return the physical certificate to you. Deposit and lending products and services are offered by Charles Schwab Bank, SSB, Member FDIC and an Equal Housing Lender. If any loans we have made to you are assigned, you agree that we may comply with any entitlement orders originated by the assignee with respect to the collateral for such loans without any further consent from you. Usage will be monitored. Learn more about our services fornon-U.S. residents. You also acknowledge that when you direct Schwab to wire or transfer funds to an issuer or sponsor of a Non-Publicly Traded Security, Schwab will not have any responsibility or liability if the issuer or sponsor involved does not provide the required receipt or confirmation of the investment in a manner that would allow Schwab to hold the security in your Account. Orders for the pre-market session may be entered beginning at 8:05 p.m. We reserve the right, however, to email you important information relating to your account, including regulatory communications. Send text messages and make telephone calls, including telephone calls made using an automatic telephone dialing system and/or an artificial or prerecorded voice from Schwab relating to your Account, on any telephone number that you have provided to Schwab, either on your account application or otherwise. You may contact Schwab or your independent investment advisor ("advisor") for more information or to give Schwab instructions with respect to linking eligible accounts. If this happens, we will not send you a separate notice; we will notify you of these credits and charges on your Account statement. You agree to review the Terms of Service and not to use or not to continue use of the Service if you do not agree to pay the applicable fees. We reserve the right to reverse the transaction pending receipt of payment from the fund. By the rules and regulations of the Financial Industry Regulatory Authority, the American Stock Exchange and other regulatory agencies to the jurisdiction of which we are subject; and. Appropriateness of Extended Hours Trading:Schwab does not warrant or recommend that extended hours trading is appropriate for you. You are responsible for monitoring the status of your account, for ensuring that sufficient collateral is maintained in the account and for liquidating positions to minimize losses. Any attempt you make to cancel an order is simply a request to cancel. Made a deposit, trade or withdrawal in your account. If you write uncovered put or call option contracts, your Account is subject to both initial margin and margin maintenance requirements. You agree that Schwab can liquidate securities held in your account to cover such fees or other indebtedness in the event that there are no available funds in your account. You further agree that we may determine, in our sole discretion, that a written order needs further clarification. If you fail to notify us in writing within 10 calendar days after we send or make available to you the first notice or statement on which the problem or error appears, you agree that the transfer information set forth on the statement or notice will be deemed correct, and that you will be precluded, to the greatest extent permitted by law, from asserting any claim against Schwab in connection with, and waive any right to recover any losses resulting from, any unauthorized or erroneous transfer. In addition, if you do not accrue at least one daily dividend of $0.01 during a pay period, you will not receive a money market dividend for that period. If you request a Schwab MoneyLinktransfer from your Account to another financial institution: (i)the amount of the transfer will be debited from your Account on the day that the transfer process is commenced; (ii)the funds will be received by the other financial institution within one to two Business Days of the date the transfer process is commenced; and (iii)you agree and acknowledge that Schwab may earn interest on that amount beginning on the date your Account is debited and ending on the date the Electronic Fund Transfer is received by the other financial institution and thereby debited from Schwab's bank account. Find a Branch Find a Consultant Zip code, or city and state Attend one of our complimentary workshops. Such interest retained by Schwab shall generally be at money market rates. Automatic dividend reinvestment may give you a partial share position in securities that are callable in part. The Schwab OneInterest feature is subject to the terms and conditions set forth in the Cash Features Disclosure Statement, including the manner of setting interest rates and the crediting of interest. In addition, if you place a market order in a Fast Market, there may be a significant difference in the quote you receive prior to or at the time you place the order and the execution price you receive. Take the first step The Schwab Investor Card from American Express Rewards tailored for Schwab investors. You acknowledge that Schwab will not act upon trade orders transmitted through electronic communications other than orders you transmit through designated trade order features; Schwab shall be entitled, but is not obligated, to review or retain your electronic communications for, among other reasons, monitoring the quality of service you receive, your compliance with this Agreement and the security of the Electronic Services. Schwab may suspend or terminate your access to its Electronic Services for reasons including, but not limited to, the unauthorized use of your account access information, breach of this Agreement, discontinuance of Schwab's access to any Information or any other data from any Information Provider or Research Provider or termination of one or more agreements between Schwab and Information Providers, Third-Party Research Providers or Information Transmitters. For our protection, we may restrict your ability to withdraw funds represented by a check or other item or to apply such funds to settle a securities transaction. When you do, please tell us: We will determine whether an error occurred within 90 days after you contact us, and we will correct any error promptly. In addition, Schwab reserves the right, but is not obligated, to prevent any IPO stock from being traded through the Electronic Services. You agree to pay on demand any account deficiencies after liquidation, whether liquidation is complete or partial. Your notice to us will not affect any obligations resulting from transactions initiated prior to our receipt of the notice. You agree not to hold us liable for taking such action. Non-U.S. residents are subject to country-specific restrictions. You agree and acknowledge that Securities and Other Property held in your Margin Account, now or in the future, can be borrowed (either separately or together with the property of others) by us (acting as principal) or by others. If you know or suspect that you have received an overpayment of funds or securities, or if you know or suspect that Schwab has not yet collected from your account a fee you have incurred, you agree to notify Schwab, in writing, as soon as you learn of the overpayment or uncollected fee.

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