Market orders will not be accepted. For example, many people in their advancing years may demonstrate declining cognitive ability. Some jurisdictions do not allow limitations on how long implied warranties last, the exclusion or limitation of incidental or consequential damages or the exclusion of certain implied warranties, so that these disclaimers and limitations may not apply to you. Plan to spend about 15 minutes on the process. Box 982600 El Paso, TX 79998, Charles Schwab & Co., Inc. Any loss or theft of your access number(s), password(s) and/or account number(s); Any unauthorized use of any of your access number(s), password(s) and/or account number(s), or of the Electronic Services or any Information; Any failure by you to receive a message that an order initiated by you through the Electronic Services has been received and/or executed through the Electronic Services; Any failure by you to receive accurate written confirmation of an order or its execution within five Business Days after entering the order through the Electronic Services; Any receipt of confirmation of an order that you did not place, or any similarly inaccurate or conflicting report or Information. Certain securities and other assets now or hereafter held in your Margin and Short Account may be pledged, repledged, or otherwise used. You agree to pay all costs (including attorneys' fees), if any, incurred by Schwab in collecting overdue fees from you. Unless you make other arrangements with your local Schwab office, we may use available funds in your Schwab Account to settle a transaction. We will combine cash distributions from your account with those from other customers requesting reinvestment in the same security and use these funds to purchase securities for both you and these other customers. Notwithstanding any oral communications between you and us, we reserve the right to liquidate anytime (including on or before settlement date) if the equity in your account falls below Schwab's minimum requirements. Different requirements apply to non-equity securities. Regulatory authorities require that any brokerage agreement containing a predispute arbitration agreement must disclose that this agreement contains a predispute arbitration clause. Amendments will not affect rights or obligations either of us incur before the effective date of the amendment. As used in the Schwab Account Agreement, the terms listed below are defined as follows: To open a Schwab Account, you complete an Account Application. Usage will be monitored. 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. You are liable for all dividends paid on securities you have borrowed for the purpose of short sales. Your margin interest rate will be adjusted automatically and without notice to reflect any change in the Base Rate. 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). On account statements and trade confirmations, Schwab calculates the quantity, unit price, and market price out to four decimal places if necessary. You agree to comply with applicable payment system rules, including the Operating Rules of the National Automated Clearing House Association (NACHA), the laws and regulations of the United States, and any other applicable law. The Schwab StockBuilder Planis not affiliated with any reinvestment plan offered by any other entity. You understand that these values displayed on your Schwab account statements are provided for your convenience only, may have been reported as long as 18 months prior to statement preparation, and should not be relied upon as any indication of market value. Schwab's computers and networks that are accessible externally; Schwab's wireless services, including Schwab Wireless; Any other computer, telephonic or wireless securities trading services or information system Schwab provides to you, including successors to the systems described above. Proceeds from the sale of securities will be swept the Business Day following settlement, provided that the securities sold have been received in good deliverable form prior to the Settlement Date. No portion of these fees will reduce or offset the fees otherwise due to Schwab in connection with the Account unless required by law. 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 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. This minimum margin requirement can differ from the minimum amount required to open your Account. You acknowledge that Schwab will not act upon trade orders transmitted through electronic communications other than orders you transmit through designated trade order features; Schwab shall be entitled, but is not obligated, to review or retain your electronic communications for, among other reasons, monitoring the quality of service you receive, your compliance with this Agreement and the security of the Electronic Services. Plan ahead and simplify. It has over 400 branches, primarily in financial centers in the United States . You may direct us to add the Schwab StockBuilder Planto all eligible securities in your account, or you may choose individual securities for automatic dividend reinvestment. 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. 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. Most stocks traded on national securities exchanges and some over-the-counter (OTC) securities are marginable. You specifically represent and warrant that you have not been designated by the U.S. Department of Treasury's Office of Foreign Assets Control (OFAC) as a Specially Designated National or blocked person, that you have no reason to believe that you would be considered a blocked person by OFAC, and that you are not acting as agent of any such person. 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. Schwab does not give tax or estate planning advice, but we may provide you with general tax and estate planning information and principles. 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. 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. 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"). The fee can change on a daily basis. 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. Schwab may establish from time to time minimum balance requirements to open an Account. You understand that because there is generally no public or secondary market for Non-Publicly Traded Securities, the values reported on your Schwab statement may not represent market values. You agree not to enter an order in your Margin and Short Account until you have read and understood the Disclosure of Credit Terms and Policies. 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. Change Your Login ID. 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. 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. 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. Schwab will not be liable for any losses, lost profits or other damages that allegedly result from delays in or a failure to issue a trade status report. There is no warranty of any kind, express or implied, regarding the market data. Get Automated Investing with Professional Guidance. Unauthorized access is prohibited. When we approve your Account Application, we will open a Cash Account for you and act as your broker to purchase and sell securities for your account based on your instructions. You agree to use the quotes only for your individual use in your business. We will tell you the results within three Business Days after completing our investigation. We will tell you the results within three Business Days after completing our investigation. The "Money Fund Sweep" feature automatically invests in and redeems shares in a SchwabSweep Money Fund as described in the Cash Features Disclosure Statement. You agree to defend, indemnify and hold Schwab, the Information Providers and the Information Transmitters harmless from and against any and all claims, losses, liability costs and expenses (including, but not limited to, attorneys' fees) arising from your violation of this Agreement, state or federal securities laws or regulations, or any third party's rights, including, but not limited to, infringement of any copyright, violation of any proprietary right and invasion of any privacy rights. 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. This includes disclosing information about your account to address possible financial exploitation, confirming the specifics of your current contact information, your mental and physical health status, or the identity of any legal guardian, executor, trustee, or holder of a power of attorney on your account(s); or as otherwise permitted by industry regulations or state law. Verify your identity, creditworthiness and other information (and your spouse's if you live in a community-property state). You agree that you will not use the Information for any unlawful purpose. If you are a securities professional, such as an investment advisor, you may occasionally furnish a limited number of quotes to your customers and clients, but solely in the regular course of your securities business. Although investments in SchwabSweep Money Funds provide a means of earning a return on cash, there can be no assurance that a SchwabSweep Money Fund will be able to maintain a stable net asset value of $1 per share. For current fees, call1-800-435-4000. The path to your financial goals begins at your Schwab branch. 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. 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. You agree that Schwab has no responsibility for such tax reporting and filing, and agree to indemnify and hold us harmless from any consequences, including penalties assessed by the IRS and any other tax authorities, resulting from receipt of such unrelated business taxable income. Such interest retained by Schwab shall generally be at money market rates. See the "Float Disclosure" section for more information. This agreement gives you specific legal rights. 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. 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. Our cutoff times are available upon request. If you think there has been an error or problem with your wire transfer: You must contact us within 180 days of the date we promised to you that funds would be made available to the recipient. We will credit to your account the number of shares equal to the amount of your funds to be reinvested in a particular security divided by the purchase price per share. Our security procedures are designed to verify the authenticity of wire instructions, not to detect any errors in their transmission or content. 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. If you have instructed the issuers or sponsors of your Non-Publicly Traded Securities to report values to Schwab, you agree that Schwab may, in its sole discretion, display on your Schwab statement the most recent values provided during the prior 18 months. As a brokerage firm, Charles Schwab offers a multitude of investment accounts, but it is also an online. A long position held overnight and sold prior to any new purchase of the same security, or. When you do, please tell us: We will determine whether an error occurred within 90 days after you contact us, and we will correct any error promptly. You will not transmit securities trade orders to Schwab using electronic communications except through those electronic features designated by Schwab for the express purpose of placing trade orders. 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. We may report any past due account to a consumer and/or securities credit reporting agency. Only one security or a large concentration of one or more securities; or, Low-priced, thinly traded or volatile securities; or if. Details of the schedule are available by logging in to your Schwab Account atwww.schwab.com, calling us or stopping by a branch. Attn: Document Control Find workshops View All Branches You acknowledge that the price you will pay or receive may vary substantially if your order is larger than the number of shares to which a price quote applies. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. (Member SIPC), offers investment services and products, including Schwab brokerage accounts. 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. The maximum share size is 25,000 shares in extended hours trading sessions. Neither we nor any other bank has a duty to determine whether a payment order contains an inconsistent name and number. 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. To banks, mutual funds and other entities that are involved with the products or services we offer or arrange on behalf of our customers; When it is reasonably requested by a third party to complete a transaction; To verify the existence or condition of your account for a credit bureau or merchant; To comply with a subpoena, court order or request from a government agency or law enforcement authority; To evaluate your creditworthiness or the collectibility of any debt you owe us; Pursuant to Rule 14b-1 under the Securities and Exchange Act of 1934, to companies in which you hold securities, unless we receive your written objection; or. 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. Timing of purchases is subject to our discretion. For securities transactions, this delay may cause a difference between the execution price and the displayed quote at the time the order was entered. Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Equity securities selling for $5 or less and odd lots usually may not be sold short. By applying for a margin account and/or placing an order on margin, you acknowledge that you have carefully considered your financial condition, investment objectives and tolerance for risk, along with the terms of the margin agreement, and have determined that margin financing is appropriate for you. You agree that any such Schwab recommendation will remain in effect only for as long as we tell you that it will remain in effect at the time we make the recommendation; 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. Governments, foreign stock exchanges, markets and/or individual securities may impose specific restrictions that prohibit or limit trading by individuals or entities. 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. Any action we take or do not take to issue a margin call or liquidate collateral is undertaken solely to protect our interest as a creditor. No commission will be charged for these transactions. Longer hold periods may apply to checks drawn on a foreign institution. 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. ArbitrationYou agree that any controversy which may arise between yourself and any Third-Party Information or Research Provider and any of their officers, directors, affiliates and employees, shall be resolved in arbitration in accordance with the terms and conditions of the arbitration agreement(s) entered into between you and Schwab at the time you opened your Schwab account(s), and as amended from time to time. In some situations, we can find it necessary to require a higher level of equity in your account. Previously, Christopher was a Technical Client Serv ice Specialist at Charles Schwab and also held positions at Skyline Technology Solutions. Learn more Could a professional trustee help you achieve your goals? If the Account is a retirement plan brokerage custodial account (including a Company Retirement Account [CRA] or Personal Choice Retirement Account[PCRA]) subject to the terms of this Agreement, the Non-Publicly Traded Security may be distributed upon direction of the Trustee or other applicable fiduciary or agent of the plan to the participant in whose Account the Non-Publicly Traded Security is invested, or to the extent not practicable, transferred to the Trustee or other applicable fiduciary or agent to hold the Non-Publicly Traded Security on behalf of the plan. A TCP is not authorized to make investment decisions or withdraw funds from your account. Any review performed by Schwab will solely be for its benefit in determining its ability to hold and service the Non-Publicly Traded Security. For that type of assistance, you agree to consult your own tax or legal advisor. 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. Risk of Wider Spreads. Shares purchased by the buying agent will be delivered to us as your administrative agent. 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. If any loans we have made to you are assigned, you agree that we may comply with any entitlement orders originated by the assignee with respect to the collateral for such loans without any further consent from you. 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. Disclosure of Potential RelationshipsSchwab and/or its employees or directors, as well as consultants to Schwab, may have, or may have clients with, positions in securities or companies referenced in Information, including Research Reports, and may, as principal or agent, buy from or sell to customers. It is solely your responsibility to ensure that you will, at all times, comply with all applicable laws, obligations and restrictions in each of the jurisdictions in which you purchase and sell securities. The firm was rated #1 in the categories "Platforms & Tools" (11 years in a row), "Desktop Trading Platform . 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. P.O. You have supplied accurate information in your Account Application. You understand that none of the Information (including Research Reports) available through Schwab's Electronic Services constitutes a recommendation for you or your Account, or solicitation that you should purchase or sell any particular security. Schwab can also charge a transaction fee for certain mutual fund transactions; you would not incur this fee if you purchased shares directly from a fund company. Prices generally reflect activity by market participants or dealers linked to various trading systems. Further information will be furnished upon request. Please call Schwab or visit our website for our current margin requirements.