4/30/2023 5:20 AM. If you request that Schwab automatically send dividends, interest, or other payments directly to you, and the Account has a SchwabSweep Money Fund as a Cash Feature, net payments will not accrue interest between the time they are credited to the Account and the time they are disbursed to you. The "daily margin interest rate" is based on a 360-day year. We will promptly forward to the buying agent all eligible cash distributions that we receive from SCHW for the Schwab StockBuilder Planparticipants. From time to time, Schwab may perform investment banking or other services for, or solicit such services from, companies mentioned in Information. We also may reject any instruction that is not confirmed in accordance with any other security procedure that you and we agree upon. You agree that ACH transfers that involve your Account will be subject to the ACH rules. You agree to hold us harmless if we do not make withdrawals or liquidate shares to satisfy debits in your Account. Your name and address and/or telephone number; The error or problem with the transfer and why you believe it is an error or problem; The name of the person receiving the funds and, if you know it, his or her telephone number or address; The confirmation code or number of the transaction. All orders shall be deemed to be made at the time received by Schwab and in the form received. 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. If we decide that there was no error, we will send you a written explanation. We will charge interest on a daily basis on the credit we extend to you. 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. You agree that confirmation of your wire instruction by telephone, or online through our website or by wireless device (which consists of both electronically authenticating and authorizing the wire instruction through encrypted channels), or our reliance on any password or other security procedure that you and we agree upon, shall be deemed to be a commercially reasonable security procedure, in light of the anticipated size, type, and frequency of your wire transfers. For settlement purposes, Schwab will round either up or down to the nearest penny any amounts owed to or from Schwab. We set the Base Rate at our discretion with reference to commercially recognized interest rates, industry conditions relating to the extension of margin credit, and general credit market conditions. In 2020, he gave millions to the Congressional Leadership Fund, a super. Their call center operators and branch employees can tell you what's required. 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. Read More . 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. Any costs, fees or taxes involved in enforcing the award shall be fully assessed against and paid by the party resisting enforcement of said award. The minimum deposit may consist of check, Electronic Fund Transfer and/or marginable securities. Authorizations under this section will remain in effect until you give us notice to the contrary at least one Business Day prior to the day on which cash dividends are paid. Increases in the market value will increase your daily adjusted debit balance (on which interest is charged) by the same amount, while decreases in the market value will decrease your daily adjusted debit balance by the same amount. Only one security or a large concentration of one or more securities; or, Low-priced, thinly traded or volatile securities; or if. You agree to review the Terms of Service and not to use or not to continue use of the Service if you do not agree to pay the applicable fees. 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. Currency exchange rates fluctuate over time, and you acknowledge and accept the risks of such fluctuations between the time you send us a payment order and the time the wire transfer is final. 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 to be bound by any affirmance, assent or agreement you transmit through the Electronic Services you access by computer, including, but not limited to, any consent you give to receive communications from us solely through electronic transmission. Deposit and lending products and services are offered by Charles Schwab Bank, SSB, Member FDIC and an Equal Housing Lender. We may, at our discretion, agree to accommodate requests from you to hold in your Account certain securities, such as hedge funds, private equity funds, private placements, and other securities that do not trade on securities exchanges or over-the-counter markets (hereinafter referred to as "Non-Publicly Traded Securities"). You further agree to release Schwab from any liability for executing the orders you place using Schwab's Electronic Services. We compound interest on a daily basis. 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. c***@celonis.com. You agree that short sale transactions are subject to certain regulatory rules and cannot be executed under certain market conditions. In computing the cash balance of your account at the time it is closed, we reserve the right to deduct any unpaid fees or charges (including account service fees), a certificate processing fee or other charges related to closing your account. For example, many people in their advancing years may demonstrate declining cognitive ability. If so, Terms of Service that you receive at the time you receive or enroll in the Service will include that additional pricing information. You agree to contact Schwab if you are acting in a fiduciary capacity and want your fiduciary account aggregated as part of the Household Calculation or excluded from the Household Calculation. Upon request, the Electronic Market may review a transaction to determine if it was clearly erroneous and may reverse or "break" such a trade. We may take such actions on whatever exchange or market and in whatever manner (including public auction or private sale) that we choose in the exercise of our business judgment. Schwab does not charge transaction fees on purchases and redemptions of shares of certain registered investment companies or commissions on certain exchange-traded products that participate in certain Schwab programs and services. Previously, Christopher was a Technical Client Serv ice Specialist at Charles Schwab and also held positions at Skyline Technology Solutions. ET. 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. This site is designed for U.S. residents. 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. However, Schwab may choose, at its own discretion, to participate in a third-party dividend reinvestment program. Bring the Message tool (s) to the front: Makes the Messages tool the active window in your StreetSmart Edge display. You agree to pay all applicable fees, as well as any applicable federal, state and local taxes. 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. Valuing Non-Publicly Traded Securities on Statements. For our protection against credit risks and other conditions, we may, without prior notice, decline, cancel or reverse your orders or instructions, or we may place trading, disbursement and other restrictions on your account. We will pay all brokerage commissions or service charges assessed by the buying agent that apply to automatic reinvestment transactions in SCHW stock. In mandatory corporate reorganizations, your partial shares will be handled according to the terms of the particular reorganization. You alone are responsible for the taxes resulting from your trades, including any tax liability arising as a result of foreign legal obligations. 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. Plan to spend about 15 minutes on the process. The beneficiary is the person who receives the payment. This Electronic Services Agreement amends your brokerage account agreement(s) and replaces any prior agreement between you and Schwab regarding your use of the Electronic Services. Schwab Bank Investor Savings account 0.48% APY* 1 Get a competitive yield regardless of your balance and keep your liquid savings growing. You will not furnish the quotes to any person or entity other than an officer, partner or employee of your business. 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. Member SIPC. You agree that Schwab is not legally obligated to provide you with any trade status report other than the written confirmation required by SEC rules and that any other trade status report is provided as a courtesy only. You acknowledge that you have an affirmative duty to promptly review any and all trade confirmations and account statements for accuracy and completeness and to immediately notify us of any items you believe to be in error. The beneficiary's bank (including us when we are the beneficiary's bank) may make payment to the beneficiary based solely on the account or other identifying number you provide, even if the name on the payment order differs from the name on the account. 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. Backup withholding is a tax withholding on specific types of payments for federal tax and state tax purposes. Good-till-canceled (GTC) orders will be automatically canceled at the close of the session on the date you confirmed at the time of order entry or the last day the market is open if the date you confirmed is a weekend or holiday. Conversely, if the market value decreases, your available credit may proportionately decrease. 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. You agree not to hold Schwab responsible for market fluctuations that may occur to the market price or settlement of your securities while your transaction is processed. The Charles Schwab Corporation (NYSE: SCHW) is a leading provider of financial services, with more than 360 offices and 12.7 million active brokerage accounts, 1.7 million corporate retirement plan participants, 1.4 million banking accounts, and $3.50 trillion in client assets as of March 31, 2020. You agree to use the quotes only for your individual use in your business. Schwab can charge a fee when you request a transfer of assets from the Account to another financial institution (a "TOA"), as set forth in the applicablePricing Guideor fee schedule. See our Privacy Policy for how we treat your data. 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. SchwabSweep Money Funds may, to the extent permitted by law, include money market funds for which Schwab or its affiliates receive transaction and other fees for providing services (such as investment advisory, administration, transfer agency, distribution, and shareholder services), and these fees will vary depending on the money market fund (or share class) used. You may ask for copies of the documents that we used in our investigation. 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. In particular, you agree that Schwab's policies and procedures on minimum investment requirements, exchange of fund shares, dividend accrual and date for payment of accrued dividends upon redemption of a daily dividend fund may vary from those applicable to direct fund shareholders. Examples include journaling or wiring assets between: an individual's account and his/her Individual Retirement Account; an individual's account and his/her revocable living trust; a husband/wife's joint account and the same husband/wife's community property account. Automated investing, professional advice or trade on your own. We post accrued but unpaid interest charges to your account each month. We can choose which Securities or Other Property to buy or sell, which transactions to close, and the sequence and timing of liquidation. We retain absolute discretion to determine whether, when and in what amounts we will require additional collateral. Terms apply. You may contact the FINRA public hotline at1-800-289-9999or on the Internet atwww.finra.org. This delay may also result in a limit order becoming ineligible for execution. Your Account statements will reflect all transactions in your Cash Feature (including purchases, redemptions, dividends, dividend reinvestments, deposits, and interest). A few records may be earlier or later. Accordingly, you may receive an inferior price in one extended hours trading system than you would in another extended hours trading system. P.O. You agree to waive any objections to the trades, positions, funds transfers, checks, disbursements, fees and other information set forth on any confirmations and account statements unless you notify us of an unauthorized transaction or other error in writing within 10 days of mailing. You represent that during the course of your evaluation of the Non-Publicly Traded Securities, you have determined such valuations will be accurate and reliable. Schwab will not be responsible for any delay or failure to provide the Electronic Services, including the execution of any securities order, in the event there is a restriction on your account, you lack sufficient funds in your account or you delay or fail to make a required cash or equity deposit. Attempting to cancel and replace or change a market order through the Electronic Services can result in the execution of duplicate orders, which ultimately are your responsibility. The daily interest charges are calculated by multiplying your "daily adjusted debit balance" by the "daily margin interest rate." 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. These include requiring a minimum deposit of $25,000 before any day trades can be made in a margin account and using a different calculation of margin buying power. Non-U.S. residents are subject to country-specific restrictions. Risk of Higher Volatility. 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. Some clients may have their calls routed to automated telephone channels or informational messages. With respect to such assets awaiting investment or deposit: (i)where such assets are received by Schwab on a Business Day and before deposit cutoff time for the local Schwab Investor Center with which the funds are deposited, such interest may be earned by Schwab through the beginning of the following Business Day; (ii)where such assets are received on a day which is not a Business Day, or where such assets are received after the local Schwab Investor Center's deposit cutoff time, such interest may be earned through the beginning of the second following Business Day. You agree to use the services to enter your orders if time is of the essence. Closing an account or terminating services will not affect your obligations incurred prior to closure or termination. The distribution check will be written and mailed on the following Business Day. We may reject payment orders. A mandatory corporate action affects all holders, and no decision is required from you. 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. We may process any payment order we believe is transmitted or authorized by you if we act in compliance with the agreed upon security procedure. 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. You agree that you are responsible for all costs, including the cost to repurchase or resell stock, if you buy/sell/transfer/deposit stock that is later found to be restricted or nontransferable. Certain investment advisors, such as Charles Schwab Investment Management, Inc. ("CSIM"), Charles Schwab Investment Advisory, Inc. ("CSIA"), and Schwab Wealth Advisory, Inc., are affiliated with Schwab. We reserve the right to require written instructions from all account holders, at our sole discretion. ET, and an after-hours session that operates from 4:05 p.m. to 8:00 p.m. You agree to indemnify and hold Schwab harmless for your failure to remove or transfer a Non-Publicly Traded Security after Schwab has notified you that Schwab is no longer willing to hold the security in the Account. The Cash Features Program permits you to earn income while you decide how those funds should be invested longer term. The current Base Rate is available atschwab.com/margin. Regular Mail: Schwab Charitable P.O. If we decide that there was no error, we will send you a written explanation. 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. P.O. Applicable exchange rules and federal regulations; Our Disclosure of Credit Terms and Policies; or. We, or an intermediary bank, may send a payment order to an intermediary bank or a beneficiary's bank based solely on the bank identifying number, even if you provide us with a different bank name. Your advisor may forward the physical check to us or transmit images of the check and other data to us electronically. During this time, we will earn and retain interest on your funds, generally at money market rates. You agree that you will read any Urgent Notification before placing orders through the Electronic Services and will be deemed to have knowledge of any such Urgent Notification that is posted when you place an order. 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. Each Third-Party Beneficiary is entitled to rely upon all rights, representations, warranties and covenants made by you in this ESA to the same extent as if each Third-Party Beneficiary was a party to this ESA with respect to their own Information or Research Reports. You may opt out of future emails about products or services by following instructions in our privacy policy, on our website, or contained in an email that you receive from us. Your authorization will remain in effect until you give us notice to the contrary. Schwab will provide notice to you of any change in fee or new fee applicable to you in accordance with applicable laws and regulations. You agree to abide by any such restriction and to not initiate trades or transactions which would violate any restriction on your Account. If this happens, we will not send you a separate notice; we will notify you of these credits and charges on your Account statement.

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