In the event that Schwab asks you to remove a Non-Publicly Traded Security from your Account, and you do not request a distribution of the Non-Publicly Traded Security from your Account, remove it from your Account, or transfer it to another custodian within sixty (60) days after Schwab provides you written notice that it will no longer hold the Non-Publicly Traded Security, you authorize and direct Schwab to distribute or transfer the Non-Publicly Traded Security directly to you. 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. No Liability for Events Outside of Entities' Direct ControlSchwab, the Information Providers, Information Transmitters, Third-Party Research Providers and any other person involved in transmitting Information will not be liable for any loss that results from a cause over which that entity does not have direct control. We may convey to you by telephone, electronic or other means the last sale transaction data, bid and asked quotations, news reports, third-party analysts' reports or research, and other information relating to securities and the securities markets (collectively referred to in this section as "market data"). With the exception of applications commonly known as web browser software, or other applications formally approved by Schwab in writing, you agree not to use any software, program, application or any other device to access or log on to Schwab's computer systems, website or proprietary software or to automate the process of obtaining, downloading, transferring or transmitting any content, information or quotes to or from Schwab's computer systems, website or proprietary software. In other words, accounts that have elected to have their dividends reinvested on the affected security will be credited optional dividends with additional shares, while accounts that have elected to receive their dividends in cash will be paid optional dividends in cash. Member SIPC. Change Your Login ID. Notwithstanding the foregoing, with respect to any retirement plan brokerage custodial account (including a Company Retirement Account [CRA] or Personal Choice Retirement Account[PCRA]) subject to the terms of this Agreement, you as the plan's Trustee or other applicable plan fiduciary or agent, further acknowledge and agree that Schwab has no responsibility for determining whether any transaction or investment would constitute a prohibited transaction, generate unrelated business taxable income, or constitute a listed transaction or reportable transaction, as any of those foregoing terms are defined in the Internal Revenue Code and regulations thereunder, or to inform you of the consequences and/or reporting requirements with respect to such transactions. In consideration for our accepting these Non-Publicly Traded Securities into your Account from time to time, and subject to such additional terms as may be presented to you at the time of the request, you agree that Schwab's sole obligation with respect to such Non-Publicly Traded Securities will be to (1)obtain and maintain possession or control of such securities in a manner as required by the Securities and Exchange Commission and (2)file and provide reports and information as may be required under the Internal Revenue Code, and regulations thereunder of the Internal Revenue Service. During periods of heavy trading and/or wide price fluctuations ("Fast Markets"), there may be delays in executing your order or providing trade status reports to you. By not closing and/or continuing to use your account, you confirm your agreement to abide by the Account Agreement, as amended from time to time. For electronic funds transfers and wires, this manual review may delay when funds are paid or made available. Fax:* 1-877-535-3852. Schwab regularly monitors the execution quality obtained to ensure orders are routed to market venues that have provided high-quality executions over time. Pursuant to government regulations, we may be unable to send a wire transfer you requested to certain individuals or countries, or to individuals who are citizens of those countries. If you request a change from one Cash Feature to one of the alternatives available to you, Schwab will generally effect that change the following Business Day, but reserves the right to take longer if necessary to properly process your request. We obtain market data from securities exchanges and markets and from third parties that transmit market data (collectively referred to in this section as "the market data providers"). 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. You further agree to comply with all reasonable written requests from Schwab intended to protect the Information and Third-Party Research Providers' and Schwab's respective rights in the Information and Electronic Services. Failure to make a required deposit may result in the liquidation of part or all of the Securities and Other Property in your account. For example, we can require additional collateral if an account contains: We also may consider market conditions and your financial resources. 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. As such, we are required to inform you of the availability of a FINRA Investor Brochure, which includes information on the FINRA Public Disclosure Program. 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. 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." Their call center operators and branch employees can tell you what's required. The value of securities held short in your account is "marked to the market" each day. The term "we," when used below, means Schwab. These client groups may be given preference in reaching a Schwab representative. Unauthorized access is prohibited. Securities Professionals May Not Use Research Reports in Their BusinessIf you are a securities broker, dealer or investment banker, by requesting or receiving any Research Reports, you agree not to use any such Research Reports for any purpose related to your business. Schwab may link other accounts upon your request if account holders are in the same family, there is a dependent relationship, or in certain other similar instances at Schwab's discretion. You further agree that we may determine, in our sole discretion, that a written order needs further clarification. It is the obligation of fiduciaries to notify Schwab of accounts that should not be linked. 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. It offers banking, commercial banking, investing and related services including consulting, and wealth management advisory services to both retail and institutional clients. Any attempt you make to cancel an order is simply a request to cancel. We may provide you with one or more numbers, passwords, tokens, challenge questions, and/or other means of identification and authentication (collectively, a "Password") in connection with our wire transfer service. You acknowledge your responsibility for any check given to your advisor for deposit into your Account. See the "Float Disclosure" section for more information. Automated investing, professional advice, or trade on your own. Some Schwab branch offices are operated by an Independent Branch Leader ("IBL"). 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. You agree to indemnify and hold Schwab harmless from any claims, losses, damages, or expenses (including reasonable attorneys' fees) caused by or related to any restriction placed on your Account or any transaction placed by you which violates such restriction. The firm was rated #1 in the categories "Platforms & Tools" (11 years in a row), "Desktop Trading Platform . 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. If the market value of a security drops below Schwab's per-share minimum, the margin maintenance requirement will be 100%. 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. For current fees, call1-800-435-4000. Timing of purchases is subject to our discretion. You agree to hold us harmless if we do not make withdrawals or liquidate shares to satisfy debits in your Account. 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. We may treat such fees as a debit to your Schwab Account and deduct the amount of these fees from any credit balance in your account. Quarterly information regarding the market venues to which we route orders and remuneration received is available on our website atSchwab.comor in written form upon request. We provide market data for your personal noncommercial use; you may not sell, market or distribute it in any way, unless you have entered into written agreements with the appropriate market data providers. Schwab offers a number of account types, service features and benefit packages, each of which is referred to as a "Service" for purposes of your Account Agreement. Moreover, Schwab cannot guarantee that cancellation requests for any pending orders, placed shortly before trading begins, will be honored. 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. 2023 Charles Schwab & Co., Inc. All rights reserved. P.O. Account protection is not provided for the accounts of banks or broker-dealers maintained for their own account. Member SIPC. You agree to provide any documentation or information requested by Schwab to have a restriction removed from your Account. We reserve the right to require written instructions from all account holders, at our sole discretion. Once a call has been announced ("publication date"), all shares participate in the random call process, regardless of whether they are registered or held in street name. However, Schwab may choose, at its own discretion, to participate in a third-party dividend reinvestment program. We will pay all brokerage commissions or service charges assessed by the buying agent that apply to automatic reinvestment transactions in SCHW stock. 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. Additionally, while Schwab makes available research, analysis, news and other information prepared by third parties, this also does not constitute an individualized recommendation by Schwab (or any third party) or a solicitation of any offer to buy or sell securities by Schwab (or any third party). 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. You agree that Schwab may combine communications such as account statements, confirmations and other written communications related to account activity for your accounts in a manner that reduces the number of envelopes mailed to you. If you receive fractional shares as the result of a stock split or other corporate action, we, in our sole discretion, may either sell the shares on the open market or to the issuer or transfer agent, and you are entitled to receive your pro rata portion of the proceeds of such sale. Risk of Lower Liquidity. If a mutual fund exercises its right to redeem your shares "in kind" by delivering to Schwab portfolio securities in payment for your shares instead of cash, Schwab will hold these securities in your account, subject to your instructions. Such arbitration will be conducted by, and according to the securities arbitration rules and regulations then in effect of, the Financial Industry Regulatory Authority (FINRA) or any national securities exchange that provides a forum for the arbitration of disputes, provided that Schwab is a member of such national securities exchange at the time the arbitration is initiated. Research ReportsSchwab's Electronic Services make available analyst research and opinions ("Research Reports") that may be prepared by Schwab or one of its affiliates, or by various third-party investment bankers or other entities providing analysis, research and opinions ("Third-Party Research Providers"). Assets awaiting investment or deposit include: (1)amounts deposited by you into your Account; and (2)any other uninvested assets held by your Account caused by an authorized instruction to Schwab to purchase or sell securities (which may, after the period described below, automatically be swept into a SchwabSweep Money Fund or deposited into a Sweep Bank). Shares purchased by the buying agent will be delivered to us as your administrative agent. Schwab can charge you a fee, which can change daily, for borrowing securities. 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. If you do not respond within the specified time period, you agree that Schwab may treat your non-response as your acceptance of the new Cash Feature. All prices are subject to change without prior notice. You agree not to hold us liable for the choice of which Securities or Other Property to buy or sell or of which transactions to close or for the timing or manner of the liquidation. 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. In the event of a dispute or disagreement (i) between or among multiple Account holders including, but not limited to, joint or multiple tenants, trustees, or authorized agents, (ii) between or among beneficiaries, or a dispute regarding the proper beneficiary(ies) of your Account, or (iii) regarding the assets in your Account, including a dispute between the registered or beneficial owners of the Account: You agree that we may, but are not obligated to, place trading, disbursement, or other restrictions on your Account as Schwab deems necessary, until such dispute or disagreement is resolved or until Schwab can interplead the assets in your Account and/or pursue other legal process or remedies regarding your Account. If a mutual fund declines to accept your order for execution at the price next calculated after our deadline because we did not place the order with the fund by a specified time, Schwab reserves the right, but is not obligated, to place your rejected order with the fund for execution at the price next calculated by the fund after its acceptance of the order. Because restricted/control securities transactions require special handling by both Schwab and third parties, processing your transaction may require several weeks, during which time the price of your securities may fluctuate. 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. Cash Features refers to the following alternatives: Please note that certain foreign Schwab affiliates may have different Cash Features than the ones listed above. If you choose to change your Cash Feature from one Cash Feature to another, or if Schwab changes your Cash Feature from one Cash Feature to another, you will generally stop earning interest or dividends, as the case may be, on the day of your request. Similarly, important financial information is frequently announced outside of regular trading hours. We can charge fees for sending a wire transfer. This lien secures the full performance of obligations owed to us by you or any joint account holder of your Schwab Account, whether those obligations are incurred in connection with your Schwab Account or any other brokerage account with us, and extends to property that may not be acceptable as margin collateral under Federal Reserve Board regulations. You must notify us at once if you think a wire transfer shown on your Account statement or other notice is incorrect or unauthorized. What does "This account is restricted to orders that close out existing Although IBLs are not employees of Schwab, they are registered representatives of Schwab and subject to Schwab policies and procedures. Our cutoff times are available upon request. 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. If the termination age selected is different from the state's default age, the Custodian agrees and acknowledges that he (she) is responsible under UGMA or UTMA for determining the proper termination age and that Schwab is not responsible for doing so. If valuations are not received or made available to Schwab during an 18-month period, Schwab reserves the right to require you to remove the Non-Publicly Traded Security from your Schwab statement in the manner described in this Agreement. The beneficiary is the person who receives the payment. The Schwab StockBuilder Planis not affiliated with any reinvestment plan offered by any other entity. If there is a discrepancy between an issuer-provided value and a third-party value, Schwab may report the value of your Non-Publicly Traded Security as "N/A" or "Not Available." Interest charges will accrue to your account each day. Make yourself at home. 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. 4/30/2023 5:20 AM. Neither we nor the market data providers will be liable for interruptions in the availability of market data or your access to market data. Unless we otherwise agree with you in writing, Schwab will act only as your broker-dealer and not as an investment advisor ("Investment Advisor"); and your Account will be a brokerage account and not an investment advisory account governed by the Investment Advisers Act of 1940; Unless we otherwise agree with you in writing, Schwab will not provide financial planning services to you or your Account, and any collection of your financial data by Schwab, or analysis or evaluation of such data by Schwab, will be in furtherance of our broker-dealer activities such as recommending investments for your Account and not in connection with establishing or implementing a financial plan; You, or you and an Investment Advisor other than Schwab, if you have one, are responsible for determining the nature, potential value of any particular investment strategy, transaction (including futures transactions) or security (including equities and options). You agree not to tender restricted/control securities as collateral for an obligation you owe us, unless you first obtain our prior written approval. If the Non-Publicly Traded Security is not certificated, you agree that Schwab may remove the security from the Account by notifying the issuer to re-register the position in your name, or in the case of a retirement plan brokerage custodial account, in the name of the Trustee or other applicable plan fiduciary for benefit of the plan and remove Schwab as custodian. Dividend reinvestment does not assure profits on your investments and does not protect against loss in declining markets. You agree that these principles do not apply to your specific circumstances or take into account your comprehensive tax or estate planning situation. Select your Charitable Account in the drop-down menu of accounts. When you make a short sale, it is necessary to borrow securities in order to deliver the shares to the buyer. By entering into a customer Account Agreement with Schwab or by subscribing to a Schwab Electronic Service, you are consenting to the receipt of electronic mail ("email") from us. This Agreement, and all future agreements you shall enter into with Schwab, unless otherwise indicated on such other agreement, shall be governed by the law (but not the choice of law doctrines) of the state of California. We are entitled to exercise the rights described in this section in our sole discretion, including whenever any of the following occurs: You agree to designate a sell order as a short sale if, at the time you place the order, you either do not own the security being sold or are unable to deliver the security in a timely manner. There are many security benefits to using a non-numeric Login ID: Your Login ID is less secure when you use your Social Security Number, Birth Date, or any other private information. 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. A short position held overnight and purchased the next day, prior to any new sale of the same security. You agree that these fees can be changed without notice. Schwab imposes short-term redemption fees on certain mutual fund transactions and reserves the right to restrict individuals who engage in short-term trading of mutual funds from purchasing some or all funds available through Schwab. 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 further agree to release Schwab from any liability for executing the orders you place using Schwab's Electronic Services. You agree to pay, and are solely responsible for payment of, all fees charged to you by Schwab and/or any fund. Any orders communicated to us through these means will be considered to have been sent and authorized by you. We are not responsible for determining the purpose or propriety of an instruction we receive from any account holder or for the disposition of payments or deliveries among joint account holders. In the Account Agreement, you granted us a lien on all Securities and Other Property held or maintained for any purpose, including safekeeping, in your Schwab Account or in any other present or future Schwab brokerage account in which you have an interest regardless of whether there are other account holders on any of the accounts. You are responsible for all debits, costs, commissions and losses arising from any actions we must take to liquidate or close transactions in your Schwab Account, or from your failure to make timely good delivery of securities. Email. We can charge a fee for providing this market data. Lance Park email address & phone number | CPSI Vice President, Finance When you deposit checks in your Schwab Account, they will become available for withdrawal according to our availability schedule. For margin balances of $500K and above, please call us at1-877-752-9749for more information about our latest rate offers. Independent investment advisors are not owned by, affiliated with, or supervised by Charles Schwab & Co., Inc. ("Schwab"). Unless you make other arrangements with your local Schwab office, we may use available funds in your Schwab Account to settle a transaction. You agree immediately to notify Schwab if you become aware of: You acknowledge that data, including email, electronic communications and personal financial data, may be accessed by unauthorized third parties when communicated between you and Schwab, Information Providers or Information Transmitters, using the Internet, other network communications facilities, telephone or any other electronic means. Provide information about you and your account to consumer and credit reporting agencies and collection agencies. No one except the account holders listed on the Account Application (and if community property is held, the account holders' spouses) has an interest in the Schwab Account. If we decide that there was no error, we will send you a written explanation. When we borrow securities for your account, we are obligated to return the securities to the lender on demand. If the Electronic Services are unavailable or delayed at any time, you agree to use alternative means to place your orders, such as calling a Schwab representative or visiting one of our branch offices. 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. Charles Schwab & Co., Inc. ("Schwab"), member SIPC, is a separate but affiliated subsidiary of The Charles Schwab Corporation. 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. Schwab does not give tax or estate planning advice, but we may provide you with general tax and estate planning information and principles. You agree that short sale transactions are subject to certain regulatory rules and cannot be executed under certain market conditions. Your continued use of your Account or a Service following such a change in fee or new fee will evidence your consent. Get started by choosing your country/region of residence. Alternatively, you authorize us, at our discretion, to charge such fees to a credit card account number that you have provided to us for this purpose. We will not take any action with respect to any such exchange or tender offer without specific instructions from you.
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