Change Your Login ID. A TCP is not authorized to make investment decisions or withdraw funds from your account. A voluntary corporate action will require an election from you before Schwab's cut-off date to indicate if and how you want to participate. According to our sole discretion and judgment. (See Limitations of Liability, Section 5.). 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. With respect to any election you make in a corporate action while the Securities or Other Property in your Margin Account are lent to another borrowing counterparty, you understand that the borrower may vote the shares differently and/or make a different election. Risk of News Announcements. You may not use your account or any account-related service to process gambling transactions, or to conduct any other activity, that would violate applicable law. With respect to Securities and Other Property held in your Margin Account, you also agree and acknowledge that: All transactions in your Margin and Short Account are subject to the Account Agreement in its entirety and any other written agreements between you and us, all as amended from time to time. No minimum balance or monthly account service fees Easy transfers to your other Schwab bank and brokerage accounts 2 FDIC-insured up to $250,000 per depositor 3 We may elect to verify the authenticity and content of any payment order by placing a call to any authorized signer on your account and/or any other person you designate as your agent for that purpose. 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. We may process check images electronically or convert them into paper substitute checks based on the information your advisor provides. You acknowledge that Schwab shall have no responsibility for monitoring the Non-Publicly Traded Security to assure compliance with its terms or disclosures, for taking any actions to collect on any amount owed to you, or for otherwise enforcing your rights with respect to the Non-Publicly Traded Security held in your Account. You acknowledge that this Account Agreement and your Schwab Account may be subject to U.S. economic sanctions and embargo laws, including, but not limited to, the Trading With the Enemy Act, the International Emergency Act and similar laws; violations of which may be subject to U.S. civil and criminal penalties. 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. Find workshops View All Branches As a condition of your eligibility to receive certain Schwab products, services or offers, or as a condition for you to set up access to your account through the web or another Electronic Service, upon notice to you, Schwab may require that you accept delivery of trade confirmations, account statements, prospectuses, issuer information, or other documents by electronic means such as electronic mail or through one of our websites. You agree not to hold Schwab liable for any damages of any kind resulting from your decision to disclose your access number(s), password(s) or account number(s) to any third party, including, but not limited to, entities that aggregate account information or website content, or persons who are or claim to be acting as your agent, proxy or Investment Advisor. Schwab will notify you if it has removed a cancelled or otherwise invalid security from your Account. 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. When you inform Schwab of your election in a corporate action, Schwab will ensure that your account is credited with your election when the corporate action is concluded, assuming all conditions of the offer have been met and elections have been accepted by the offeror. Risk of Higher Volatility. We will direct written communications to the mailing address you provided on your Account Application, or as you otherwise specify. All market data is protected by copyright laws. If your account falls below the minimum value required to open that account, you authorize us to take such actions as are appropriate, in our discretion, to close your account. You may contact the FINRA public hotline at1-800-289-9999or on the Internet atwww.finra.org. 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"). Schwab can change the eligibility criteria for Cash Features on advance written notice to affected clients, or make certain Cash Features available to clients that do not otherwise meet published criteria. You understand that Schwab does not verify or confirm such valuations and makes no representations that the values are reasonable, are accurate, or reflect your actual holdings. Disclaimer of WarrantiesThere is no warranty of merchantability, no warranty of fitness for a particular use and no warranty of noninfringement. If your payment order requires us to convert one type of currency to another (for example, from U.S. dollars to euros), your funds will be exchanged for such other currency at the current rate of exchange according to our standard procedures. Schwab only accepts limit orders in extended hours trading sessions. Until notified otherwise by Schwab, you agree to use software that supports the Secure Socket Layer (SSL) protocol or other protocols accepted by Schwab and follow Schwab's logon procedures for Electronic Services that support such protocols. By authorizing Schwab to charge a debit or credit card, you are authorizing Schwab or its respective designated representatives or agents to automatically continue charging that card (or any replacement credit card account if the original card is renewed, lost, stolen or changed for any reason by the credit-issuing entity, and such entity informs Schwab of such new replacement card account) for all fees and charges associated with your transactions or the products or Services you receive. There may be lower liquidity in extended hours trading as compared to regular trading hours. In such event, we can receive compensation for the use of such securities. You understand that in order for Schwab's Electronic Services, including future services available from Schwab, to perform to your satisfaction, or at all, you are solely responsible for the hardware, software or other technology you use to access Schwab's Electronic Services. 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. Price improvement occurs when an order is executed at a price more favorable than the displayed national best bid or offer. Orders for the after-hours trading session can be entered and will be eligible for execution beginning at 4:05 p.m. For our protection or to satisfy your obligations to us, we can,at our discretion and without prior demand or notice, sell or otherwise liquidate all or any part of the Securities and Other Property, securing your obligations or closing any or all transactions in your Schwab Account. Schwab regularly monitors the execution quality obtained to ensure orders are routed to market venues that have provided high-quality executions over time. 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. If your Account is managed by an advisor, please contact your advisor directly or call Schwab Alliance at1-800-515-2157. Securities listed on the New York Stock Exchange or the American Stock Exchange, or traded on NASDAQ, are generally eligible for the Schwab StockBuilder Plan, except for foreign securities, short positions (obligations to sell securities you did not own at the time the order was placed) and Over-the-Counter Bulletin Board securities. Clearly Erroneous Policy:Schwab may be subject to the Electronic Market's "clearly erroneous policies." In the event of an exchange or tender offer for shares of SCHW stock, we will promptly supply requests for instructions to each account holder who has chosen SCHW stock for the Schwab StockBuilder Plan. Charles Schwab has been part of America's financial landscape for more than 40 years. 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. You must notify us at once if you think a wire transfer shown on your Account statement or other notice is incorrect or unauthorized. The interest rates described in Section 2 do not reflect compounding of unpaid interest charges; the effective interest rate, taking into effect such compounding, will be higher. The Charles Schwab Corporation provides a full range of brokerage, banking and financial advisory services through its operating subsidiaries. Amendments will not affect rights or obligations either of us incur before the effective date of the amendment. When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including the amount and location where the funds were sent. You agree that Schwab will not be responsible for, and cannot monitor, your advisor's use of the TCP information. You agree that we may correct any execution reported to you that was based on inaccurate market data provided to us by an exchange or a market center. For securities that pay cash dividends or that split, unless otherwise instructed, open GTC orders will be adjusted in accordance with stock exchange regulations. Failure to make good delivery includes the deposit of securities by you which are later found to be restricted, canceled, reported lost or stolen, escheated or otherwise not freely transferable. If you are unable to cover a short position (either through delivery of the security or through our "buying in" your position) in enough time for us to deliver the security to its lender, you agree to pay us for the losses we sustain as a result of the failure to deliver. We also may reject any instruction that is not confirmed in accordance with any other security procedure that you and we agree upon. Schwab is able to effect these transactions without charging a transaction fee/commission because we receive remuneration from the registered investment company, exchange-traded product, and/or their affiliate for services rendered by Schwab in connection with these shares. In covering a short position, we can at our discretion purchase securities for your account either on a normal settlement basis, next-day or a cash settlement basis. Backup withholding is a tax withholding on specific types of payments for federal tax and state tax purposes. 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. 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. When your enrollment is activated, you agree to be bound by this Schwab StockBuilder PlanAgreement as well as any other agreements between you and us that apply to your account. 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. For margin balances of $500K and above, please call us at1-877-752-9749for more information about our latest rate offers. Deposit accounts at the banks held in your Account are not eligible for SIPC insurance. To add or remove the Plan with respect to securities in your account, you must notify us at least one Business Day prior to the day on which dividends or other eligible cash distributions are payable for those securities. The following Disclosure of Credit Terms and Policies is required by the Securities and Exchange Commission and is part of your Schwab Account Agreement. In addition, a mutual fund may decline to execute an order for the price next calculated by it if we do not place the order with the fund by a specified time. You agree that we are not liable for any damages or market fluctuations resulting from an error you fail to timely report to us or to your delay in reporting an error to us. Orders for the pre-market session may be entered beginning at 8:05 p.m. In addition, you agree that Schwab shall be entitled to apply any dividends, capital gains payments, interest payments or other incoming funds, such as funds that would otherwise be invested through the Automatic Investment Plan or dividend reinvestment, to cover fees or other indebtedness to Schwab. The securities in your account may be subject to mandatory and voluntary corporate actions. 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. You also acknowledge that we may report any reasonable belief of financial exploitation, or in other circumstances we believe are necessary for your protection, to the applicable state securities administrator, to a state adult protective services agency, or to law enforcement agencies. The following provisions apply to wire transfers you send through Schwab. We will tell you the results within three Business Days after completing our investigation. 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. 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. Index to selected Germany births and baptisms. Such terms and conditions, when accepted by you as indicated either by your actions or express acknowledgment, become part of your Account Agreement with Schwab, and you agree to abide by the requirements of those terms and conditions. You will also be entitled to receive proxy voting materials and voting rights proportionate to your partial shares, except in the event of certain types of corporate reorganizations. It is important that you provide us with accurate and complete payment information. to the Identified Cost Method with the FIFO Lot Selection Method. It describes the terms under which we extend credit and charge interest and how your obligations are secured by property in your Schwab Account. 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.

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