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. In 2020, he gave millions to the Congressional Leadership Fund, a super. 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. 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. In no event will Schwab be liable for any costs, damages, expenses or any other liabilities incurred by you as a result of such activities by Schwab; You will not use any electronic communication feature of the Electronic Services for any purpose that is unlawful, abusive, harassing, libelous, defamatory, obscene or threatening. Notwithstanding the foregoing, with respect to any Account subject to the terms of this Agreement that is a retirement plan or retirement plan brokerage Account (including a Company Retirement Account ["CRA"] or Personal Choice Retirement Account["PCRA"]), Schwab may provide you (including independent Plan Trustees, Plan Sponsors, and/or other applicable plan fiduciaries or their agents) with notice of matters impacting your Account, which notice will include your direction, instruction, and authorization with respect to the action to be taken (or not to be taken, as applicable) with respect to the particular matter related to your Account. In addition, if you place a market order when the trading exchanges or marketplaces are closed, or for a security that has not traded on the public market before, you acknowledge that the security may open for trading at a price substantially higher or lower than the previous closing price or the anticipated price. Longer hold periods may apply to checks drawn on a foreign institution. Schwab does not give tax or estate planning advice, but we may provide you with general tax and estate planning information and principles. 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 understand and agree that it will also include the ability of your advisor to move money from your Account to other accounts on which you are a named account holder, whether at Schwab or at other financial institutions (known as "first party" money movement). We can transfer Securities and Other Property from any non-retirement brokerage account in which you have an interest to any other non-retirement brokerage account in which you have an interest, regardless of whether there are other account holders on either account, if we determine that your obligations are not adequately secured or to satisfy a margin deficiency or other obligation. Schwab does not promote directly or indirectly what is commonly referred to as "Day Trading." 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. 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. Schwab regularly monitors the execution quality obtained to ensure orders are routed to market venues that have provided high-quality executions over time. Schwab's ability to aid you in achieving the most favorable tax treatment will vary by jurisdiction. To the extent applicable to your account, the unclaimed property law requires us to turn over to the state of your last known address (as shown in our records) personal property which is unclaimed by its owner for a set period of time. Receive confirmation of an order that you did not place. 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. When you opened your Account, you either selected a Cash Feature or were informed of the Cash Feature that was designated for your Account. The firm was rated #1 in the categories "Platforms & Tools" (11 years in a row), "Desktop Trading Platform . Certain fees and other items relating to your account are calculated by considering (i.e., aggregating) activities and balances in the Accounts of Your Household. In particular, you agree to notify us: If the Account is opened under either the Uniform Gifts to Minors Act or the Uniform Transfers to Minors Act (UGMA or UTMA), the Custodian represents that all assets in the Account belong to the beneficiary and that the Custodian will only use the assets for the beneficiary's benefit. The Federal Reserve Board and various stock exchanges determine margin loan rules and regulations. Schwab is not obligated to notify you of any upcoming expiration or redemption dates or to take any other action on your behalf without specific instructions from you. If we are obligated to pay you for loss of interest that results from our error or delay regarding a payment order that you place, we will calculate your compensation by using the rate that is applicable to your Account for the time in question. Upon closing your account, we will either mail to you certificates or request a book-entry statement from the agent for nonfund securities held for you (if the physical certificates are being issued and transferred by the company and/or the Transfer Agent) or a check reflecting the cash balance in your account at the time it is closed, or both, in our sole discretion. Applicable exchange rules and federal regulations; Our Disclosure of Credit Terms and Policies; or. 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. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. (Member SIPC), offers investment services and products, including Schwab brokerage accounts. We can charge a fee for providing this market data. If you tell us orally, we may require you to send us your complaint or question in writing within 10 Business Days. 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. 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. If we receive a deposit or transfer to your account on a day that is not a Business Day, we may not credit your account until the next Business Day. You agree that ACH transfers that involve your Account will be subject to the ACH rules. 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. The electronically stored copy of your (or your agent's) signature, any written instructions or authorizations, the Account Application and the Agreement and Disclosures is considered to be a true, complete, valid, authentic and enforceable record, admissible in judicial, administrative or arbitration proceedings to the same extent as if the documents and records were originally generated and maintained in printed form. You authorize us to place a temporary hold on disbursements of funds or securities from your account or, in some cases, a temporary hold on transactions if Schwab reasonably believes financial exploitation has been attempted or has occurred in your account or in other circumstances we believe are necessary for your protection. In terms of margin rates to borrow for investments, Charles Schwab is middle of the pack. Liquidity is important because with greater liquidity it is easier for investors to buy or sell securities and, as a result, investors are more likely to pay or receive a competitive price for securities purchased or sold. Any orders communicated to us through these means will be considered to have been sent and authorized by you. There is no other warranty of any kind, express or implied, regarding the Information, including Research Reports or any aspect of Schwab's Electronic Services (including, but not limited to, information access and order placement or execution). If we need more time, however, we may take up to 45 days to investigate your complaint or question. 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. You will be connected to the appropriate page where you can choose account type and begin the online application. 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 you do authorize us to take action on your behalf, regular service transaction fees will apply. The maximum share size is 25,000 shares in extended hours trading sessions. You agree to abide by any such restriction and not to initiate trades or transactions which would violate the restriction. This means that you may not rely on the name of the person or bank that you provide us to ensure payment to the correct person. We will notify you that we have received wire transfers and ACH transfers by listing them on your Account statement rather than sending you separate notices with respect to each transfer. You agree to pay, and are solely responsible for payment of, all fees charged to you by Schwab and/or any fund. If you are receiving interest from Schwab under the Schwab OneInterest feature, you agree that the Free Credit Balance in your Account is maintained for purposes of making investments, and not solely for the purpose of receiving such interest. If appropriate, you may also elect to charge the fees to your account. You agree to use the quotes only for your individual use in your business. In these situations, the current valuation will be displayed on your next Schwab statement. Schwab reserves the right, but has no obligation, to negotiate different prices or arrangements than those described in aPricing Guideor elsewhere with account holders and with unaffiliated third parties acting as agents for certain account holders. The parties agree that this arbitration agreement will apply even if the application to open the Account is denied and will survive the closure of your Account and/or the termination of services rendered under this Agreement. Schwab. Schwab's deadline for receiving customer orders to place with a mutual fund for execution at the price next calculated by the fund may be earlier than the deadline set by the fund in its prospectus. We receive the market data from industry sources that are believed to be reliable. Investment decisions you make involving extended hours trading are your responsibility. Attn: Document Control Schwab does not accept limit orders in sub-penny prices. 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. You have the right to liquidate fractional shares anytime, regardless of whether or not a call has been announced. In addition, Schwab reserves the right to charge an additional servicing fee for securities for which Schwab cannot identify a transfer agent (a "Non-Transferable Security"). Margin maintenance requirements are set: Margin maintenance requirements may change without prior notice. Schwab's services that provide the means to place trades electronically should not be construed as an endorsement or promotion of Day Trading. A sub-penny price is any price entered more than two digits to the right of the decimal (i.e., 0.123, 1.123, 10.1234, etc.). Find a Branch | Financial Services | Brokerage Firm | Charles Schwab Find a Schwab branch near you. Contact. In the event of financial hardship, the arbitration forum may waive certain costs in accordance with such rules. The Electronic Services are accessible via computer, telephonic or wireless transmissions for use on compatible personal, home or small-business computers, including Internet appliances with modems, terminals and network computers, as well as various wireless devices. Schwab posts "Urgent Notification" on its website to alert you to various Electronic Services and market conditions issues. 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. 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. 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 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. Limitation of DamagesSchwab, the Information Providers, Information Transmitters, Third-Party Research Providers and any other person involved in transmitting information will not be liable under any circumstances for any consequential, incidental, special or indirect damages even if you advise them of the possibility of such damages. During this time, we will earn and retain interest on your funds, generally at money market rates. 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 no longer have the shares you had on publication date, and your position is called, you will need to cover those shares. Upon receiving a payment order from you by the applicable cutoff time, we will act on the payment order by transmitting payment instructions to the applicable bank. If there are significant changes to the net worth, income level or employment status you listed on the Account Application. However, cash-in-lieu, special dividends, interest, and distributions of any kind that are larger than 5% of the share value cannot be automatically reinvested. Interest charges will accrue to your account each day. You and Schwab acknowledge and agree that each Information Provider, Information Transmitter and Third-Party Research Provider is an intended third-party beneficiary of this ESA to the extent that the Electronic Services include Information or Research Reports ("Third-Party Beneficiaries"). You agree that we do not have any responsibility to issue a margin call, to liquidate positions in your account or to select the securities to be liquidated or the manner or timing of the liquidation in order to prevent or minimize losses to you. The lender of the securities recalls them; We anticipate an inability to borrow or re-borrow these securities; or, The Bank Sweep and Bank Sweep for Benefit Plans features, each of which automatically makes deposits to and withdrawals from deposit accounts at one or more bankswhose deposits are insured by the FDIC; and, The "Money Fund Sweep" feature automatically invests in and redeems shares of a Schwab, Schwab's proprietary software such as Velocity. Messages You authorize us to act as your agent to make deposits to and withdrawals from deposit accounts at one or more banks or purchase and sell shares in a SchwabSweep Money Fund in accordance with the Cash Features Disclosure Statement. When you buy securities on margin, or enter into short sales or short options, you are borrowing money from Schwab for part of your transactions. Since 2010, Charles Schwab Foundation has donated over $37 million in direct grants to organizations like Mobile Loaves and Fishes, led by local Austin hero Alan Graham, who shares our commitment to building a better future in our local communities. 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). You agree that you are responsible for paying for all transactions you make and all authorized transactions in your margin account. Under ACH rules, funds transfers sent through an ACH system are provisional and may be revoked prior to final settlement. 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. You acknowledge that if you do not cancel an open GTC order, the transaction may be completed based on your original instructions. Charles Schwab & Co., Inc. is a member firm of the Financial Industry Regulatory Authority (FINRA). 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. Note: This section does not apply to any tax qualified accounts subject to the prohibited transaction rules of the Internal Revenue Code or ERISA, or any indebtedness arising therefrom. Amendments will not affect rights or obligations either of us incur before the effective date of the amendment. Appropriateness of Extended Hours Trading:Schwab does not warrant or recommend that extended hours trading is appropriate for you. Schwab can provide no assurance that your limit order will be executed at any particular time, or at all. Evidence from exercise and hygiene | Proceedings of the National Academy of Sciences Schwab can receive and retain certain benefits (including, but not limited to, interest on collateral posted for such loans) to which you will not be entitled. This Agreement may be modified by Schwab upon written notice to you, provided, however, that if Schwab sends you written notice, via electronic communication or otherwise, of a modification, you confirm your acceptance of the modification by not closing and/or by continuing to use your account. Schwab will notify you in writing of changes to the terms of the Cash Features, changes to the Cash Features we make available, or a change in the Cash Features Program prior to the effective date of the proposed change. Cancelled or invalid securities may include, but are not limited to, bankruptcy or charter or registration revocation. Short sale proceeds are part of the collateral securing our loan of the security to you, and you may not withdraw these proceeds from your account. Other financial service providers may offer trading services outside of regular market hours that differ significantly from Schwab's extended hours trading sessions. However, if you place a limit order, you are less likely to get an execution. If we hold for you bonds or preferred stock in street name or bearer form that are callable in part, you agree to participate in an impartial lottery allocation system of the called securities, according to the rules of the Financial Industry Regulatory Authority. 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"). Deposit accounts at the banks held in your Account are not eligible for SIPC insurance. If we decide that there was no error, we will send you a written explanation. We post accrued but unpaid interest charges to your account each month. The buying agent will use all funds it receives on behalf of service participants to purchase shares of SCHW stock in the open market. If Schwab believes any particular stock is or may be volatile, Schwab may, but is not obligated to, decline to allow customers to place orders for that stock through the Electronic Services. If you have an advisor on your account (independent or affiliated with Schwab), you understand that you are authorizing both Schwab and your advisor to contact the TCP and we may share TCP information with each other and may coordinate on any conversations with a TCP and on any follow-up actions. 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; Unless we otherwise agree with you in writing, Schwab does not monitor your account(s) or investments and has no obligation to update any investment recommendation, financial advice, or financial plan we may give you. Independent investment advisors are not owned by, affiliated with, or supervised by Charles Schwab & Co., Inc. ("Schwab"). Member SIPC. If you ask us to do this, we may make a reasonable effort to act on your request. You agree not to hold us liable for taking such action. 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. For further details, please seewww.sipc.org. 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. Your advisor's forwarding of checks (or check images) to Schwab are instructions of your advisor with respect to which you have agreed to indemnify and hold us harmless as provided in the Application Agreement for your Account. For securities that pay cash dividends or that split, unless otherwise instructed, open GTC orders will be adjusted in accordance with stock exchange regulations. (See Limitations of Liability, Section 5.). 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. This is the case regardless of whether you reside or transact business with Schwab in California or elsewhere, except that arbitration provisions shall be governed by the Federal Arbitration Act. Providing Schwab with a TCP does not ensure that financial exploitation will not be attempted or occur. This includes services and information accessible through Schwab, or service providers used by Schwab, including, but not limited to: Services ProvidedSchwab's Electronic Services allow you to enter orders to buy and sell certain securities, stock options and mutual funds within your Schwab Account, and to access securities price quotations, investing information and your personal account information. Schwab has no responsibility under any circumstance for any such determination unless we otherwise agree with you in writing or unless Schwab gives advice directly to you that is clearly identified as a Schwab recommendation for you to enter into a particular transaction or transactions, or to buy or sell a particular security or securities. You agree that you will not use the Information for any unlawful purpose. Failure to make a required deposit may result in the liquidation of part or all of the Securities and Other Property in your account. Your TCP will be the same for all your accounts (except for incorporated organization accounts), so if you provide or update your TCP for one account, it will apply to all of your accounts (except for incorporated organization accounts). Generally, current margin maintenance rules require you to maintain equity in your account equal to at least Schwab's minimum maintenance requirement for the market value of each stock "short" in your account. You further agree to be responsible for all costs and commissions related to such liquidations. Any such review should never be considered a recommendation to buy, sell, or hold the security. If you would like to choose another Cash Feature that is an available option, you agree to respond to us in the manner and within the time period set forth in the notice. If we decide we need the additional time to investigate your complaint or question, we will provisionally credit your account within 10 Business Days (or 20 Business Days for errors or questions relating to transactions that occurred within 30 days after the first deposit to the Schwab Account was made) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. There may be lower liquidity in extended hours trading as compared to regular trading hours. 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. For more complete information about a SchwabSweep Money Fund, including charges and expenses, read the fund's prospectus carefully. As a general guideline and when it is practicable to do so, we can (but are not required to) issue a margin call when the equity in your Margin and Short Account falls below Schwab's minimum maintenance requirement. Accounts with less than $100 in cash 30 days prior to the termination of the custodianship will be closed and a check for the value of the Account will be mailed to the Custodian. Schwab may execute fixed income orders for customers as agent or as principal for our own account. If you wish to combine communications for additional eligible accounts that are not automatically combined, please contact Schwab. We will give you as much advance notice of the action to be taken (or not to be taken, as applicable) as is practicable under the circumstances. If the Non-Publicly Traded Security is represented by a physical certificate in Schwab's possession, Schwab will return the physical certificate to you.
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