The prices of securities traded in extended hours trading may not reflect the prices either at the end of regular trading hours, or upon the opening the next morning. 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. Bring the Message tool (s) to the front: Makes the Messages tool the active window in your StreetSmart Edge display. 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. 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. 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 may select any intermediary bank, funds transfer system, or means of transmittal to send your payment orders. With respect to retirement plan brokerage custodial accounts (including a Company Retirement Account [CRA] or Personal Choice Retirement Account [PCRA]) subject to the terms of this Agreement, are subject to all terms and conditions in the Schwab OneAccount Agreement as amended from time to time, except for: (1)account minimums and references to the applicablePricing Guide;(2)the "Margin and Short Account Agreement" and "Disclosure of Credit Terms and Policies" sections of the applicable Account Agreement; and (3)any references to Visaand VisaDebit Card. Schwab's services that provide the means to place trades electronically should not be construed as an endorsement or promotion of Day Trading. 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. You further agree to abide by any rules, procedures, standards, requirements or other conditions we may establish in connection with the use of our Electronic Services or any other electronic communications services made available by Schwab. If an ACH transfer is revoked before final settlement and we do not receive final settlement, we may charge your Account for any amount that was previously credited and the person who sent the payment order will be considered not to have paid you. 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). If you provide Schwab with evidence of the validity of the security from an independent third party within 60 days of receiving the notice of removal, Schwab will reinstate your position. 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. c***@celonis.com. It is calculated for each day by dividing the applicable margin interest rate by 360. Please consult with a tax advisor prior to investing in foreign securities in your Schwab brokerage account(s). For example, many people in their advancing years may demonstrate declining cognitive ability. You agree to pay, and are solely responsible for payment of, all fees charged to you by Schwab and/or any fund. IBLs may hire their own employees to work in their branches. This agreement gives you specific legal rights. Schwab will inform you if your Account is assigned to an IBL in your geographic area. 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 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. In addition, you agree to notify us promptly in writing of any important change in the information you supply us on the Account Application. Schwab has no responsibility for any such determination (1). In certain circumstances we can, at our sole discretion, liquidate your entire margin loan balance to satisfy a margin call. If you inform Schwab or Schwab has reason to believe that the security of your account password may be or has been compromised, we have the right to terminate your use of Electronic Services. 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. Risk of Unlinked Markets. You agree that these principles do not apply to your specific circumstances or take into account your comprehensive tax or estate planning situation. You agree that neither Schwab, the Information Providers nor the Information Transmitters shall be liable in any way for the accuracy, completeness, timeliness or correct sequencing of the Information, or for any decision made or action taken by you relying upon the Information. Valuing Non-Publicly Traded Securities on Statements. The Custodian instructs Schwab, without further notice or instruction from the Custodian, to register the Account into the beneficiary's name as soon as commercially practicable after the termination of the custodianship. If you wish to have a transaction reviewed, please contact a Schwab representative immediately, as you must make an appeal within 30 minutes of the execution time for a "break" to be considered. 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 have the right to cancel a consumer foreign wire transfer and obtain a refund of all funds paid to us, including any fees. 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. You agree to pay our commissions and transaction, processing, custody and other fees, and/or those of the entity to which your non-standard security is delivered, as they exist from time to time and apply to the transactions and services you receive in connection with these securities paid to you by the fund. If you are a new customer and the error or question concerns a Schwab MoneyLinkElectronic Fund Transfer that occurred within 30 days after the first deposit to your Schwab Account was made, we will tell you the results of our investigation within 20 Business Days after we hear from you. You agree to pay the Service fees as well as other fees that apply based on your transactions, activities and requests, as set forth in thePricing Guideapplicable to your account or as Schwab otherwise informs you. IBLs are identifiable by the inclusion of "independent" in their Schwab representative title, signage in their branches, and supporting detail under their "Your Consultant" designation onwww.schwab.com. Schwab, the Information Providers, the Third-Party Research Providers and the Information Transmitters shall have no liability to you for suspending or terminating your access to Schwab's Electronic Services; provided, however, that if Schwab's suspension or termination is without cause, Schwab will refund the pro rata portion of any fee you may have paid for the portion of the Information and/or Electronic Services not furnished to you as of the date of suspension or termination. It is unlikely that you would be able to sell your interests in the Non-Publicly Traded Securities held in your Account or realize the amounts shown on your Schwab statement upon a sale of the Non-Publicly Traded Securities held in your Account. You agree that these fees can be changed without notice. We will refund your money within three Business Days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipient's account. Any controversy or claim arising out of or relating to (i)this Agreement, any other agreement with Schwab, an instruction or authorization provided to Schwab or the breach of any such agreements, instructions, or authorizations; (ii)the Account, any other Schwab account or Services; (iii)transactions in the Account or any other Schwab account; (iv)or in any way arising from the relationship with Schwab, its parent, subsidiaries, affiliates, officers, directors, employees, agents or service providers ("Related Third Parties"), including any controversy over the arbitrability of a dispute, will be settled by arbitration. Schwab reserves the right to suspend or terminate your access to its Electronic Services or any portion of them (including, without limitation, the Information [including Research Reports]) in its sole discretion, without notice and without limitation, for any reason whatsoever. If we are uncertain regarding the legality of any transaction, we may refuse the transaction or freeze the amount in question while we investigate the matter. From time to time, Schwab may perform investment banking or other services for, or solicit such services from, companies mentioned in Information. 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. Schwab does not provide tax advice and encourages you to consult a tax professional regarding cost basis decisions. Deposit accounts at the banks held in your Account are not eligible for SIPC insurance. Therefore, before you apply for the Margin and Short Account Feature, you must carefully consider market conditions and your financial position and investment objectives. No commission will be charged for these transactions. Schwab does not have any obligation to advance redemption proceeds and distributions related to mutual fund shares to your account before we have received them from the mutual fund. All orders shall be deemed to be made at the time received by Schwab and in the form received. Please note that the use of a 360-day year results in a higher effective rate of interest than if a year of 365 days were used. When we borrow securities for your account, we are obligated to return the securities to the lender on demand. Schwab. Regulatory authorities require that any brokerage agreement containing a predispute arbitration agreement must disclose that this agreement contains a predispute arbitration clause. Our selection may differ from that indicated in your instructions. You agree not to tender restricted/control securities as collateral for an obligation you owe us, unless you first obtain our prior written approval. If you have questions about the termination age, please consult your legal or tax adviser. You agree we may sell securities in your Account to comply with any court order, garnishment, levy, or other legal obligation imposed by a court, government agency, regulatory body, or law enforcement authority. Different requirements apply to non-equity securities. No prior conduct, past practice or oral statement by any Schwab employee or agent can amend or modify this written agreement, including, but not limited to, Schwab's right to liquidate or close positions in a margin account at any time and without notice as set forth in the Margin and Short Account Agreement. For current fees, call1-800-435-4000. In addition, if you write an uncovered call option contract and are allocated an exercise of the option, you may be required to borrow shares in order to satisfy the delivery requirement of the option contract. 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. We post accrued but unpaid interest charges to your account each month. You will not receive a separate confirmation for transactions in your Cash Feature. Charles Schwab is a discount broker with service, education, trading tools and research that put it in the top tier of investment firms. You further represent and warrant that you are not employed by, acting as agent of or partially owned or controlled by a government, a government-controlled entity or a government corporation except as you have indicated on your Account Application with Schwab. Contact. Schwab does not promote directly or indirectly what is commonly referred to as "Day Trading." Each Service can have unique fees and additional terms and conditions. Warrants and stock purchase rights typically may be exercised only on or before a specified expiration date; Some convertible redeemable securities will be redeemed automatically unless you exercise your conversion rights before a specified redemption date; Some bonds may be redeemed, at the holder's option, only during specified periods; or. Also, your payment order may be delayed while we check to ensure that sending it to the designated recipient does not violate applicable laws or regulations. Fax:* 1-877-535-3852. A Free Credit Balance of one dollar ($1) or more in your Account on any Business Day will be swept into one or more banks or SchwabSweep Money Fund, as applicable, after the close of business on that Business Day and generally will not begin earning interest or dividends until the following Business Day. Delivery Instructions - Schwab Brokerage Any notice of rejection (whether given orally, electronically, or in writing) will be effective when given. However, Schwab may choose, at its own discretion, to participate in a third-party dividend reinvestment program. 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. 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. We receive the market data from industry sources that are believed to be reliable. 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. If the account is an incorporated organization account, each authorized agent on your account is a TCP. 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. Orders for the after-hours trading session can be entered and will be eligible for execution beginning at 4:05 p.m. Cancelled or invalid securities may include, but are not limited to, bankruptcy or charter or registration revocation. You understand that such order may not be entered if we are unable to contact you to discuss the order. Charles Schwab is chairman and founder of the brokerage firm that bears his name. A short sale is a margin transaction subject to initial margin and margin maintenance requirements. You also agree to pay all federal, state and local taxes resulting from your use or receipt of the Research Reports. However, if you place a limit order, you are less likely to get an execution. As a Schwab customer, you have previously consented to these agreements, which are available for your review under the Agreements link that appears on one or more pages in the Customer Center. Additional information about Schwab's financial relationships with mutual funds and exchange-traded products is available onwww.schwab.com. A mandatory corporate action affects all holders, and no decision is required from you. Just to reiterate, you likely broker the Pattern Day Trader rule which prevents those whose accounts are less then 25K from placing more than 3 round trip trades (day trades) in a 5 day period. You agree that such reviews will involve the review of offering memoranda, organizational documents, and audited financial statements, and an investigation into the background and qualifications of the issuers and selling agents of each Non-Publicly Traded Security. + Transcript Corporate philanthropy and employee giving 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. 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"). Other minimums may apply to certain types of special accounts such as Custodial and College Saver accounts. Margin calls require prompt delivery according to our instructions of either additional funds or acceptable securities. 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. Foreign stock exchanges and regulatory authorities require that you report, and in some cases seek pre-approval for, acquiring ownership in foreign listed securities above certain thresholds or in certain industries. You may ask for copies of the documents that we used in our investigation. As noted above, extended hours trading involves special risks, and it may not be appropriate for all investors. 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. 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. The buying agent may buy such shares through us or through another broker-dealer. The Schwab OneInterest feature pays you interest on cash awaiting investment. You agree that Schwab has no responsibility or duty to investigate, evaluate, or report to you any information that Schwab may possess or may become aware of regarding any Non-Publicly Traded Security. Timing of purchases is subject to our discretion. If Schwab fails to sweep, or pay interest on, your Free Credit Balance according to the Cash Features Disclosure Statement, Schwab's liability is limited to the actual amount of interest or dividends you would have earned had the Free Credit Balance been invested, deposited, or credited in the manner described in the Cash Features Disclosure Statement. Engage via Email. This Agreement contains a predispute arbitration clause. 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 your account is managed by an advisor, please contact your advisor directly, or call Schwab Alliance at1-800-515-2157. 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. 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 monitor your account(s) or investments and has no obligation to update an investment recommendation, financial advice, or financial plan we may give you. In the event of financial hardship, the arbitration forum may waive certain costs in accordance with such rules. Some fees may be charged to a debit or credit card. 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. If, however, Schwab does not normally custody or effect transactions in a security paid to you by your mutual fund, Schwab will take such action as it deems appropriate to effect delivery of such non-standard security to you or to an entity able to custody or effect transactions in the security. 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. If your daily adjusted debit balance is reduced because you deposit a check or other item that is later returned to us unpaid, we may adjust your account to reflect interest charges you have incurred. Regular Mail: Schwab Charitable P.O. If you enter a large marketable order at or near the market close or at or near a trading halt, you acknowledge that Schwab may not be able to fill all or part of that order prior to the market close and you agree that Schwab is not responsible for any alleged market losses associated with that order. The Charles Schwab Corporation provides a full range of brokerage, banking and financial advisory services through its operating subsidiaries. Contact Number (***) ***-**** 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. For instance, if you do not make good delivery of your securities when making a sale, or if you do not tender the total purchase price when making a purchase, we may take appropriate steps to complete, cancel or liquidate the transaction.