For example, we can require additional collateral if an account contains: We also may consider market conditions and your financial resources. Any notice of rejection (whether given orally, electronically, or in writing) will be effective when given. This section does not apply to ACH funds transfer services or Schwab MoneyLinkservices, which are subject to separate terms and conditions. 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. 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.). 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. If your equity falls below the applicable maintenance requirement, we may (but are not obligated to) notify you, by mail, telegram, telephone, or electronic or other means, of a margin call for an amount sufficient to bring your account up to the equity level we require. 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. Orders for the after-hours trading session can be entered and will be eligible for execution beginning at 4:05 p.m. 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. Usage will be monitored. 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. Or, call TeleBroker, a direct line to our full suite of touch-tone services, at 800-272-4922 ( 800-2SCHWAB ). You agree that, after such notice, your enrollment in or acceptance of such products, services or offers, or your new access to the web or Electronic Services, constitutes your consent to electronic delivery of trade confirmations, account statements, prospectuses, issuer information or other documents. 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. Orders May Not Be Manually ReviewedYou understand and acknowledge that when you place orders using Schwab's Electronic Services, those orders may be sent directly to an exchange without being viewed by an individual Schwab representative. We'll need the following information: We will tell you the results of our investigation within 10 Business Days after we hear from you and will correct any error promptly. You acknowledge that when you place a market order, the price of the security may change between the time the order is placed and the time it is executed, and you agree not to hold Schwab liable for these price fluctuations. Schwab. In addition, if you do not accrue at least one daily dividend of $0.01 during a pay period, you will not receive a money market dividend for that period. 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. If there are significant changes to the net worth, income level or employment status you listed on the Account Application. Contact a Schwab representative at1-800-231-2855if you are a retirement plan brokerage custodial account holder with questions about applicable provisions and amendments. Schwab may suspend or terminate your access to its Electronic Services for reasons including, but not limited to, the unauthorized use of your account access information, breach of this Agreement, discontinuance of Schwab's access to any Information or any other data from any Information Provider or Research Provider or termination of one or more agreements between Schwab and Information Providers, Third-Party Research Providers or Information Transmitters. Although IBLs are not employees of Schwab, they are registered representatives of Schwab and subject to Schwab policies and procedures. I'm having the same issue. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. ("Schwab"), Member SIPC, offers investment services and products, including Schwab brokerage accounts. You agree that we can, at our discretion and without notice, "buy in" securities to cover any short security position in your account. We will also bear all administrative costs of the Schwab StockBuilder Planassociated with reinvestment in SCHW stock. Schwab may execute fixed income orders for customers as agent or as principal for our own account. Attempting to replace or change a market order through the Electronic Services can result in the execution of duplicate orders, which ultimately are your responsibility. You agree to notify Schwab if you want any or all of your communications to be mailed separately. You authorize Schwab to make deposits, withdraw cash, or purchase and redeem securities in accordance with the eligible Cash Feature you have designated or the Cash Feature that has been designated for your Account. 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. We will not extend credit unless your equity in the Securities and Other Property in your Margin and Short Account is at least $2,000, or such greater amount as may be required by applicable rules or regulations or our house policies. We also may reject any instruction that is not confirmed in accordance with any other security procedure that you and we agree upon. You can also access information about your transfers with our online service throughSchwab.com. 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. Change Your Login ID. The market data is provided "as is" and on an "as available" basis and should not be considered a recommendation for you or your Account. Failure to make a required deposit may result in the liquidation of part or all of the Securities and Other Property in your account. Schwab routes orders for execution to unaffiliated broker-dealers, who may act as market maker or manage execution of the orders in other market venues, and also routes orders directly to major exchanges. Please read this important information carefully. Schwab considers a number of factors in evaluating execution quality among markets and firms, including execution price and opportunities for price improvement, market depth and order size, the trading characteristics of the security, speed and accuracy of executions, the availability of efficient and reliable order-handling systems, liquidity and automatic execution guarantees, the likelihood of execution when limit orders become marketable, and service levels and the cost of executing orders at a particular market or firm. 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. Conversely, if the market value decreases, your available credit may proportionately decrease. Before instructing us to buy/sell/transfer/deposit securities that are: (a)"restricted securities" or securities of an issuer of which you are an "affiliate" (as those terms are defined in Rule 144/144(b)1 under the Securities Act of 1933); (b)securities that are being bought/sold in reliance on Rule 701, Rule 144A, Regulation D, or Regulation S under said Act; or (c)securities of which you and the issuer or its underwriter have entered into an agreement restricting the transferability of such securities (penny stock/micro-cap securities that do not trade on a national securities exchange are required to go through the acceptance review process), you agree to tell us the status of your restricted/control/micro-cap securities, including any restrictions (including contractual lock-up or blackout restrictions) on your ability to buy/sell/transfer/deposit such securities, and to promptly furnish whatever information and documents we need to comply with our regulatory duties. You agree that, when in the future you click on an "I agree," "I consent" or other similarly worded "button" or entry field with your mouse, keystroke or other computer device, your agreement or consent will be legally binding and enforceable and the legal equivalent of your handwritten signature. 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. Investments in foreign securities may be subject to trading restrictions and fees not usually encountered in the United States. When Schwab receives a request for a distribution from your Account, Schwab generally processes the request within two or three Business Days (unless the distribution is in connection with an unusual event such as death or divorce, in which case it generally will take longer to process the request). We can choose which Securities or Other Property to buy or sell, which transactions to close, and the sequence and timing of liquidation. You shall not permit any customer or client to take physical possession of "your equipment" (i.e., the equipment that you use to receive, display or otherwise use quotes). Due to rounding, the actual value of the shares bought or sold may be slightly greater or less than the actual dollar amount of your order. 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. 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. Your margin interest rate will be adjusted automatically and without notice to reflect any change in the Base Rate. As security for the repayment of all present or future indebtedness owed to us by any account holder under the Account Agreement or otherwise, each account holder grants to us a continuing security interest in and lien on, and a right of setoff with respect to, all Securities and Other Property that are, now or in the future, held, carried or maintained for any purpose in or through the Schwab Account, and, to the extent of such account holder's interest in or through, any present or future account with us in which the account holder has an interest. You may not combine funds from eligible cash distributions with any funds you deposit into your Account to make automatic reinvestment purchases. 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. We may take this action either on a regular settlement, cash or next-day settlement basis. Schwab will provide notice to you of any change in fee or new fee applicable to you in accordance with applicable laws and regulations. We may send you emails about services and products we believe may be of interest to you. For the avoidance of doubt, all rights and benefits granted under this Agreement to Schwab will also be deemed granted directly to each Third-Party Beneficiary as set forth above. PCRA account holders and RBS plan-level custody account holders should refer to the Charles SchwabPricing Guide for Retirement Plan Accountsfor information related to pricing. For accounts with the margin feature, Schwab reserves the right, but has no obligation, to negotiate with you or an advisor who manages a Schwab account for you, a different margin rate for your Account. This protection does not cover fluctuation in the market value of your securities. In any case, our liability arising from any legal claim (whether in contract, tort or otherwise) relating to the services will not exceed the amount you have paid for use of the services. 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. All transactions made through the Schwab StockBuilder Planwill be confirmed on your regular account statement. We will include the charges in the next day's opening debit balance and charge interest accordingly. You agree to provide any documentation or information requested by Schwab to have a restriction removed from your Account. 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. For example, many people in their advancing years may demonstrate declining cognitive ability. Schwab may assign calling teams and specific phone numbers to support certain client groups based on certain factors, which may include asset levels and trading history.

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