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Commissions, transactions (including mutual funds), and order handling fees; Reports relating to your account requested by you or that are required by law; Fees associated with transactions in Schwab proprietary non-sweep money funds; Charges for failing to maintain minimum balance requirements. Schwab reserves the right to later charge fees or waive the minimum or fees on any account in circumstances that we deem appropriate. Charles Schwab & Co., Inc. is a member firm of the Financial Industry Regulatory Authority (FINRA). You agree that we can, at our discretion and without notice, "buy in" securities to cover any short security position in your account. Any party may initiate arbitration by filing a written claim with FINRA or such eligible national securities exchange. The Charles Schwab Corporation provides a full range of brokerage, banking and financial advisory services through its operating subsidiaries. Receive confirmation of an order that you did not place. We will presume that you are able to access the email address you provided. If you or Schwab designate a new Cash Feature before the close of business on a Business Day, your Free Credit Balances will be swept to your new Cash Feature after the close of business that Business Day, and generally will begin earning dividends or interest, as the case may be, on the following Business Day. Timing of purchases is subject to our discretion. Change Your Login ID. For instance, if you have a short position in a security that is subject to a tender offer and you are unable to cover the position in time for us to deliver the security to its lender, we can hold you responsible for the economic value of the tender offer. You agree and acknowledge that Schwab will earn interest beginning on the date your Account is debited and ending on the date the check is presented for payment, the timing of which is beyond the control of Schwab. You must notify us at once if you think a wire transfer shown on your Account statement or other notice is incorrect or unauthorized. All orders shall be deemed to be made at the time received by Schwab and in the form received. The fee can change on a daily basis. April 2023 You acknowledge that Schwab is not responsible for notifying you of any upgrades, fixes or enhancements to any such software or for any compromise of data transmitted across computer networks or telecommunications facilities, including, but not limited to, the Internet. We reserve the right to require written instructions from all account holders, at our sole discretion. By submitting an account application, you authorize us to: You also authorize your wireless carrier (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose information about your wireless account, such as your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status, subscriber method and device details, if available, to support identity verification, fraud avoidance and other uses in support of transactions for the duration of your business relationship with us. All prices are subject to change without prior notice. You agree that Schwab is not legally obligated to provide you with any trade status report other than the written confirmation required by SEC rules and that any other trade status report is provided as a courtesy only. As a condition to accessing or receiving the Information, you expressly agree to waive any claim you may have against Schwab, any Information Provider, Research Provider or any other persons involved in transmitting any Information Schwab makes available to you. You agree that you are also solely responsible for any tax consequences associated with the removal of the Non-Publicly Traded Security from your Account. Risk of News Announcements. 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. Please consult with your attorney or investment advisor with regard to your particular investment. The notice will describe the new terms and conditions of the Cash Features Program, your new Cash Feature, and the options available to you if you do not wish to accept the new Cash Feature. 3. If an order cannot be canceled or changed, you agree that you are bound by the results of the original order you placed. You agree to abide by any such restriction and to not initiate trades or transactions which would violate any restriction on your Account. You agree that we will not be liable to you for any losses, including lost profits, if the mutual fund does not accept your order for execution at the price next calculated by the fund after our deadline for any reason, including, but not limited to, computer system delays or failures, natural catastrophes or other emergencies, or human error resulting in our late placement of the order with the fund. During non-business hours or during periods of peak demand, market volatility, systems upgrades or maintenance, or for other reasons, access to a Schwab representative via the phone channel may be limited or unavailable. You further agree that neither Schwab, the Information Providers nor the Information Transmitters will be liable in any way for the interruption of any data, Information or other aspect of Schwab's Electronic Services. Amendments will not affect rights or obligations either of us incur before the effective date of the amendment. 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. Schwab does not provide tax advice and encourages you to consult a tax professional regarding cost basis decisions. The most common reasons are a decrease in the value of long securities held as collateral or an increase in the value of securities held short. You further agree not to remove the overpayment of funds or securities or the uncollected fee from the account, or to return the entire overpayment or uncollected fee to Schwab if it has already been removed from your account. 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. See the "Float Disclosure" section for more information. Whether or not you are assigned to an IBL, you may request service at an IBL branch just like any other branch (for example, if you are traveling). A TOA of all the assets in the Account is a "full TOA"; a TOA in any amount less than this is a "partial TOA." You further agree to be responsible for all costs and commissions related to such liquidations. The equity level in your account falls below required minimums; Sufficient funds or securities are not deposited to pay for transactions in the account; A petition of bankruptcy or for the appointment of a receiver is filed by or against you; An attachment is levied against any of your brokerage accounts with us; You die or become incapacitated or incompetent; or. Please call Schwab or visit our website for our current margin requirements. You acknowledge that Schwab does not give legal advice or tax advice. Find a Branch | Financial Services | Brokerage Firm | Charles Schwab Find a Schwab branch near you. If Schwab charges you a fee for Research Reports, Schwab may assign this Agreement only with your consent, to the extent allowed by applicable law. Before instructing us to buy/sell/transfer/deposit securities that are: (a)"restricted securities" or securities of an issuer of which you are an "affiliate" (as those terms are defined in Rule 144/144(b)1 under the Securities Act of 1933); (b)securities that are being bought/sold in reliance on Rule 701, Rule 144A, Regulation D, or Regulation S under said Act; or (c)securities of which you and the issuer or its underwriter have entered into an agreement restricting the transferability of such securities (penny stock/micro-cap securities that do not trade on a national securities exchange are required to go through the acceptance review process), you agree to tell us the status of your restricted/control/micro-cap securities, including any restrictions (including contractual lock-up or blackout restrictions) on your ability to buy/sell/transfer/deposit such securities, and to promptly furnish whatever information and documents we need to comply with our regulatory duties. If you have questions about the termination age, please consult your legal or tax adviser. The buying agent may buy such shares through us or through another broker-dealer. Christopher Spriggs's Phone Number and Email Last Update. Further information will be furnished upon request. Clearly Erroneous Policy:Schwab may be subject to the Electronic Market's "clearly erroneous policies." More detailed information on cost basis is available in the Cost Basis Disclosure Statement, located onschwab.com. We may disclose your name and/or information about your account or your transactions to our agents and affiliates. You agree we may charge your Account a processing fee for processing any court order, garnishment, levy, subpoena, or other legal process Schwab receives in connection with your Account. If Schwab fails to sweep, or pay interest on, your Free Credit Balance according to the Cash Features Disclosure Statement, Schwab's liability is limited to the actual amount of interest or dividends you would have earned had the Free Credit Balance been invested, deposited, or credited in the manner described in the Cash Features Disclosure Statement. You acknowledge that it may not be possible to cancel a market or limit order once you have placed it, and you agree to exercise caution before placing all orders. You authorize us to liquidate shares of any security, including, but not limited to, shares of any mutual funds or other entities whose shares are in a continuous offering ("funds") held for you that are not transferred to the issuer for any reason. If there are significant changes to the net worth, income level or employment status you listed on the Account Application. You agree to be bound by any wire instruction, whether or not authorized, that is issued in your name and accepted by us in compliance with the security procedure. The age of custodianship termination varies by state, although many states set the maximum age for termination at 21. You agree to not contest the admissibility or enforceability of Schwab's electronically stored copy of such documents in any proceeding between you and Schwab. You agree to use the quotes only for your individual use in your business. Any notice we send to one account holder will be notice to all account holders. You may contact the FINRA public hotline at1-800-289-9999or on the Internet atwww.finra.org. 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. This provision applies if your Account is managed by an advisor and you have granted your advisor "trading and disbursement" authority and instructed Schwab (either on a form or otherwise) to accept that authority. If, on any given day, the interest that Schwab calculates for your Account in accordance with the foregoing is less than $0.005, you will not earn any interest on that day. Automatic reinvestment of your eligible cash distributions may give you interests in partial shares of securities, which we will calculate to four decimal places. In other words, Schwab will redeem all shares in your SchwabSweep Money Fund or withdraw all funds deposited at a bank, as applicable, and place the proceeds or the funds in your new Cash Feature. The buying agent will use all funds it receives on behalf of service participants to purchase shares of SCHW stock in the open market. Any notice of rejection (whether given orally, electronically, or in writing) will be effective when given. Schwab's extended hours trading offering has two components: a pre-market session that operates from 7:00 a.m. to 9:25 a.m. We may take this action either on a regular settlement, cash or next-day settlement basis. 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. If you are unable to cover a short security position (either through delivery of the security or through our "buying in" the security) in enough time so we can deliver the security to its lender (to whom we're obligated), you agree to reimburse us for the losses we sustain as a result of your failure to deliver the security. Details of the schedule are available by logging in to your Schwab Account atwww.schwab.com, calling us or stopping by a branch. However, we reserve the right to take any such action without prior notice or demand for additional collateral, and free of any right of redemption. The Account Agreement is binding upon your and our heirs, executors, administrators, successors and assigns, and it will benefit your and our successors and assigns, if any. ET on the prior trading day, but will not be eligible for execution until the session officially opens at 7:00 a.m. You also agree to make good delivery of the securities you are selling by settlement day. In order to cancel, you must contact us at the phone number above within 30 minutes of payment for the transfer. We will promptly forward to the buying agent all eligible cash distributions that we receive from SCHW for the Schwab StockBuilder Planparticipants. If arbitration before the AAA is unavailable or impossible for any reason, the parties agree to have a court of competent jurisdiction appoint three (3) arbitrators to resolve any and all disputes or controversies between or among the parties. Box 982600 El Paso, TX 79998, Charles Schwab & Co., Inc. Coconutface03 2 yr. ago Have you figured out a solution? We may take such actions on whatever exchange or market and in whatever manner (including public auction or private sale) that we choose in the exercise of our business judgment. Certain securities may impart valuable rights that expire unless you take some action. If the net amount of any dividend, interest or other payment set to be automatically disbursed to you by check is less than $100, it will remain as a credit balance in the Account and will not be automatically sent to you. Schwab's Cash Features Program is the service described in the Cash Features Disclosure Statement that we provide to automatically invest, or "sweep," the Free Credit Balance in your Account into a liquid investment or to earn interest from Schwab on the Free Credit Balance in your Account. Before requesting that we hold a Non-Publicly Traded Security in your Account, you agree that you will have performed a complete review of the Non-Publicly Traded Security and taken sufficient actions to determine that the investment is appropriate for you and your own financial circumstances and that you are comfortable with the risk of loss, whether due to investment risk or the potential for fraud or misconduct. At the conclusion of the hearing, the arbitrators will decide how to assess the costs of the arbitration among the parties. We will not be liable for lost profits, trading losses or other damages resulting from the delay or loss of use of the services. It is your responsibility to choose (or change) the appropriate cost basis accounting method for your tax situation. 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. We may select any intermediary bank, funds transfer system, or means of transmittal to send your payment orders. Orders for the pre-market session may be entered beginning at 8:05 p.m. Contact the Dedicated PCRA Call Center at1-888-393-PCRA (7272)if you are a PCRA account holder with questions about applicable provisions and amendments. The term "we," when used below, means Schwab. From time to time, Schwab and/or a Research Provider may be unable to provide Research Reports with respect to certain companies with which Schwab and/or a Research Provider, or their respective affiliates, have certain business relationships. 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. To obtain verification, we may contact your employer (and your spouse's, if applicable), obtain consumer and credit reports and make other inquiries, but we are not obligated to do so. If there are other holders of Accounts of Your Household, you understand and acknowledge that Schwab may use general information about your Household Balance and activities to provide or explain Household Calculations or Services available to you and those other holders of Accounts of Your Household. Potential Changes to Extended Hours Trading:Schwab reserves the right to change its extended hours trading session. Schwab may execute fixed income orders for customers as agent or as principal for our own account. The Cash Features Program permits you to earn income while you decide how those funds should be invested longer term. E-0323-5864603325063757858 REG18163-29 (04/23), Brokerage Products: Not FDIC Insured No Bank Guarantee May Lose Value. We may assign our rights and obligations under the Account Agreement, or may assign any loans that we have made to you (including the security interests securing such loans), to any subsidiary, affiliate or successor by merger or consolidation without notice to you, or to any other entity after 30 days' written notice to you. If you do not want your account data included with data from other Accounts of Your Household for such purposes, you agree to contact Schwab. We can issue a "margin call" (that is, a notification to deposit additional collateral) if your account equity falls below the margin maintenance requirement. If a fund declines your purchase order for any reason other than the time we placed the order with the fund, we will cancel the order and, if practicable, attempt to notify you; we will not make another attempt to place such a declined purchase order with the fund. It is unlikely that you would be able to sell your interests in the Non-Publicly Traded Securities held in your Account or realize the amounts shown on your Schwab statement upon a sale of the Non-Publicly Traded Securities held in your Account. Meet the experts behind Schwab's investing insights. The services may require you to use a number or password to access your Schwab Account. Risk of Higher Volatility. You agree to pay or receive the prevailing market price at the time your market order was executed, even if the execution market price is significantly higher or lower than you anticipated at the time you placed the order. 2023Charles Schwab & Co., Inc.All rights reserved. Any such review should never be considered a recommendation to buy, sell, or hold the security. If we decide that there was no error, we will send you a written explanation. You further acknowledge that, unless notified in writing by confirmation or similar document, Schwab has not acted and will not act as broker or dealer in any purchase or sale of Non-Publicly Traded Securities held in your Account. If the market value of stock held as collateral increases after you have met the initial margin requirements, your available credit may increase proportionately. However, we may provide you with general tax and estate planning information and principles. 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. You will not furnish the quotes to any person or entity other than an officer, partner or employee of your business. You understand that such order may not be entered if we are unable to contact you to discuss the order. To add or remove the Plan with respect to SCHW stock in your account, you must notify us by telephone at least one Business Day prior to the day on which dividends or other eligible cash distributions are payable for SCHW stock securities. Provide information about you and your account to consumer and credit reporting agencies and collection agencies. This is the case regardless of whether you reside or transact business with Schwab in California or elsewhere, except that the section entitled "Arbitration" shall be governed by the Federal Arbitration Act. If there is more than one account holder, each account holder is jointly and severally liable for obligations arising under the Account Agreement or relating to the Schwab Account. If any assets held in your account generate unrelated business taxable income (UBTI), you have the sole responsibility for reporting such income to the Internal Revenue Service (IRS) and any other tax authorities and for complying with any other tax filing requirements resulting from receipt of such unrelated business taxable income. Schwab's failure to deduct fees from your Account at the time you incur those fees does not waive Schwab's right to deduct those fees from your Account at a later time. Also, your payment order may be delayed while we check to ensure that sending it to the designated recipient does not violate applicable laws or regulations. In 2020, he gave millions to the Congressional Leadership Fund, a super. For margin balances of $500K and above, please call us at1-877-752-9749for more information about our latest rate offers. Prices generally reflect activity by market participants or dealers linked to various trading systems. Find a Schwab branch near you by selecting the state, city, or zip code. Upon the termination of the custodianship, the Custodian agrees to provide Schwab, upon request, with the beneficiary's address, phone number and any other information that may assist Schwab in contacting the beneficiary.

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