charles schwab ac144

Make yourself at home. 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. If you receive fractional shares as the result of a stock split or other corporate action, we, in our sole discretion, may either sell the shares on the open market or to the issuer or transfer agent, and you are entitled to receive your pro rata portion of the proceeds of such sale. Schwab may allocate payments in lieu of interest, dividends, or other payments by any mechanism permitted by law. We may process check images electronically or convert them into paper substitute checks based on the information your advisor provides. Schwab can charge you a fee, which can change daily, for borrowing securities. However, if we have credited your Schwab OneAccount for interest on funds represented by a check or other item that is later unpaid, we will charge your Schwab OneAccount for the amount of the interest paid. You agree to pay our Schwab StockBuilder Plantransaction fees, as they exist from time to time and apply to your transactions and services you receive. With our approval, you may elect to add a Margin and Short Account Feature and to trade options in your Schwab Account. In the event of a call, the partial shares to be called will be selected in an automated random selection in which the probability of your holdings being selected is proportional to the holdings of all Schwab customers who hold partial share positions in that security. 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. If several purchase transactions are required in order to reinvest your and other customers' eligible cash distributions in a particular security, the purchase price per share will be the weighted average price per share for all such shares purchased. If there are other holders of Accounts of Your Household, you understand and acknowledge that Schwab may use general information about your Household Balance and activities to provide or explain Household Calculations or Services available to you and those other holders of Accounts of Your Household. If I do not receive or understand the agreement governing the account into which my Schwab Account is converted, I will notify Schwab. You will be connected to the appropriate page where you can choose account type and begin the online application. 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. We compound the interest as described in our Disclosure of Credit Terms and Policies. You further agree that neither Schwab, the Information Providers nor the Information Transmitters will be liable in any way for the interruption of any data, Information or other aspect of Schwab's Electronic Services. If you wish to try to change or cancel your market order, you agree to call a Schwab representative to assist you. In these situations, the current valuation will be displayed on your next Schwab statement. A mandatory corporate action affects all holders, and no decision is required from you. 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. Schwab only accepts limit orders in extended hours trading sessions. In other words, if this is a joint account, your TCP will not necessarily apply to your joint account holder. Some Schwab branch offices are operated by an Independent Branch Leader ("IBL"). 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. 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. Please consult with a tax advisor prior to investing in foreign securities in your Schwab brokerage account(s). 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. As noted above, extended hours trading involves special risks, and it may not be appropriate for all investors. Our security procedures are designed to verify the authenticity of wire instructions, not to detect any errors in their transmission or content. You may obtain a copy of the applicablePricing Guideor fee schedule by calling1-800-435-4000, or if your Account is managed by an independent investment advisor, please contact your advisor directly, or call Schwab Alliance at1-800-515-2157. 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. In other words, Schwab will redeem all shares in your SchwabSweep Money Fund or withdraw all funds deposited at a bank, as applicable, and place the proceeds or the funds in your new Cash Feature. Schwab has no responsibility for any such determination (1). 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. Go to www.schwab.com and log in to your account. You agree that Schwab will retain as compensation for services your Account's proportionate share of any interest earned on aggregate cash balances held in Schwab's bank account with respect to (1)assets awaiting investment or (2)assets pending distribution from your Account. The price of covering the short position can be higher than the price at which you sold short; therefore, you can sustain a loss on that transaction. You may also have other rights which vary from jurisdiction to jurisdiction. Your purchase and sale of mutual fund shares can be subject to additional fees the fund imposes, such as sales loads and contingent redemption fees, that are separate from, and in addition to, the transaction and other fees charged to you by Schwab. Before you submit a short sale order, you will be notified of the current cost of borrowing those shares. 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. You will be entitled to receive dividend payments proportionate to your partial share holdings. In some situations, we can find it necessary to require a higher level of equity in your account. This minimum margin requirement can differ from the minimum amount required to open your Account. We can issue a "margin call" (that is, a notification to deposit additional collateral) if your account equity falls below the margin maintenance requirement. Get Automated Investing with Professional Guidance. All transactions in the Margin and Short Account are subject to our Disclosure of Credit Terms and Policies. 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. We may send you emails about services and products we believe may be of interest to you. 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 will appoint an independent bank or broker-dealer, other than Charles Schwab & Co., Inc., to act as buying agent for automatic reinvestment of eligible cash distributions in SCHW stock. The lender of the securities recalls them; We anticipate an inability to borrow or re-borrow these securities; or, The Bank Sweep and Bank Sweep for Benefit Plans features, each of which automatically makes deposits to and withdrawals from deposit accounts at one or more bankswhose deposits are insured by the FDIC; and, The "Money Fund Sweep" feature automatically invests in and redeems shares of a Schwab, Schwab's proprietary software such as Velocity. 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. 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. Information regarding the specific routing destination and execution time of your orders for up to a six-month period is also available upon request. Engage via Email. This is the case regardless of whether you reside or transact business with Schwab in California or elsewhere, except that the section entitled "Arbitration" shall be governed by the Federal Arbitration Act. This arbitration agreement will be binding upon and inure to the benefit of the parties hereto and their respective representatives, attorneys-in-fact, heirs, successors, assigns and any other persons having or claiming to have a legal or beneficial interest in the Account, including court-appointed trustees and receivers. Deposit and lending products and services are offered by Charles Schwab Bank, SSB, Member FDIC and an Equal Housing Lender. Margin calls require prompt delivery according to our instructions of either additional funds or acceptable securities. In addition, Schwab reserves the right, but is not obligated, to prevent any IPO stock from being traded through the Electronic Services. Schwab is required to report adjusted cost basis, including short term and long term gain and loss details, to you and to the IRS for securities transactions in your taxable brokerage account(s). 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. 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 agree that these principles do not apply to your specific circumstances or take into account your comprehensive tax or estate planning situation. Moreover, Schwab cannot guarantee that cancellation requests for any pending orders, placed shortly before trading begins, will be honored. For electronic funds transfers and wires, this manual review may delay when funds are paid or made available. If the Non-Publicly Traded Security is not certificated, you agree that Schwab may remove the security from the Account by notifying the issuer to re-register the position in your name, or in the case of a retirement plan brokerage custodial account, in the name of the Trustee or other applicable plan fiduciary for benefit of the plan and remove Schwab as custodian. If you are receiving interest from Schwab under the Schwab OneInterest feature, you agree that the Free Credit Balance in your Account is maintained for purposes of making investments, and not solely for the purpose of receiving such interest. Such arbitration will be conducted by, and according to the securities arbitration rules and regulations then in effect of, the Financial Industry Regulatory Authority (FINRA) or any national securities exchange that provides a forum for the arbitration of disputes, provided that Schwab is a member of such national securities exchange at the time the arbitration is initiated. 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. Overnight Delivery: Schwab Charitable 1958 Summit Park . Liquidity is important because with greater liquidity it is easier for investors to buy or sell securities and, as a result, investors are more likely to pay or receive a competitive price for securities purchased or sold. 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). If the market value of stock held as collateral increases after you have met the initial margin requirements, your available credit may increase proportionately. At our election, all debit balances in your account, including those resulting from extensions of margin credit, will be immediately due and payable. Schwab offers a number of account types, service features and benefit packages, each of which is referred to as a "Service" for purposes of your Account Agreement. As a result, your order may only be partially executed, or not at all. You may recover unclaimed property turned over to a state by contacting that state. Unless there is no balance in your account, you will be given notice prior to our closing your account. 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 agree to maintain the security and confidentiality of your Password and to notify us immediately if you have any reason to believe its security or confidentiality has been or may be breached. 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. Pursuant to government regulations, we may be unable to send a wire transfer you requested to certain individuals or countries, or to individuals who are citizens of those countries. 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. This could have the effect of placing you in the position you were in before the transaction. If we are unable to verify a payment order with an authorized person, we may refuse to execute the order. In addition, Schwab reserves the right to charge an additional servicing fee for securities for which Schwab cannot identify a transfer agent (a "Non-Transferable Security"). If you place an order to buy or sell a specific dollar amount of a mutual fund, Schwab will calculate the number of shares bought or sold by dividing the dollar amount of the order by the price and rounding to the nearest three decimal places. TD Ameritrade was evaluated against 14 other online brokers in the 2022 StockBrokers.com Online Broker Review. We may receive instructions to pay funds to your account, including wire transfers, transfers sent through an ACH system, and transfers that are processed directly to an account with us. If the value of your securities and other assets falls, you may be required to deposit more assets (a "margin call") to secure your loan or your securities, and other assets may be sold to pay down or pay off your loan without prior notice and at a loss or at lower prices than under other circumstances. Fees for particular Services and Accounts are generally set forth in a pricing guide or fee schedule, such as the Charles SchwabPricing Guideor other pricing guide Schwab may provide as applicable to your account (collectively, the"Pricing Guides,"and individually, a"Pricing Guide"). Automated investing, professional advice, or trade on your own. Your authorization will remain in effect until you give us notice to the contrary. Schwab Stock Slices offer access to. The term "Electronic Services" includes all of Schwab's computer, telephonic, facsimile, email or wireless services or systems. Volatility refers to the changes in price that securities undergo when trading. 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. In certain circumstances we can, at our sole discretion, liquidate your entire margin loan balance to satisfy a margin call. 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. See the "Float Disclosure" section for more information. Similarly, important financial information is frequently announced outside of regular trading hours. 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. 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. 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. You understand and acknowledge that, in cases where the annual federal tax due is more than $500, the IRS requires that quarterly estimated tax payments be made. Your advisor may forward the physical check to us or transmit images of the check and other data to us electronically. Conversely, if the market value decreases, your available credit may proportionately decrease. For accounts managed by an advisor, any and all authorizations you grant to your advisor or other third parties with respect to your Account will apply to the successors and assigns of such advisor or other third party, subject to limitations of applicable law. The beneficiary is the person who receives the payment. This arbitration agreement shall be enforced and interpreted exclusively in accordance with applicable federal laws of the United States, including the Federal Arbitration Act. Certain securities may impart valuable rights that expire unless you take some action. A small number of corporate bonds are listed on national exchanges. If valuations are not received or made available to Schwab during an 18-month period, Schwab reserves the right to require you to remove the Non-Publicly Traded Security from your Schwab statement in the manner described in this Agreement. 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. Since 2010, Charles Schwab Foundation has donated over $37 million in direct grants to organizations like Mobile Loaves and Fishes, led by local Austin hero Alan Graham, who shares our commitment to building a better future in our local communities. Combined communications for accounts that have more than one account holder may be addressed solely to the first-listed account holder or to the account holder who has his or her tax identification number serve as the tax reporting identification number on the account (usually the first-listed account holder). 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. No compensation or other reimbursements will be due to you in connection with such borrowings. Schwab will not be liable to you if you are unable to access your account information or request a transaction through the Electronic Services. Your Schwab Account and any transactions you make are subject to our house trading rules and policies and the following rules, regulations and policies, all as modified or amended from time to time: You agree to pay for all transactions you make and all authorized transactions in your account. However, the accuracy, completeness, timeliness or correct sequencing of the market data cannot be guaranteed either by us or by the market data providers. By entering into a customer Account Agreement with Schwab or by subscribing to a Schwab Electronic Service, you are consenting to the receipt of electronic mail ("email") from us. By the rules and regulations of the Financial Industry Regulatory Authority, the American Stock Exchange and other regulatory agencies to the jurisdiction of which we are subject; and. 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. Made a deposit, trade or withdrawal in your account. Such recommendation, financial advice, or financial plan only applies at the point in time we provide it to you. A change in your Cash Feature may result in the loss of one or more Business Days' interest or dividends while your transaction is being processed. It is part of your brokerage account agreement. 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. Any review performed by Schwab will solely be for its benefit in determining its ability to hold and service the Non-Publicly Traded Security. You may initiate orders relating to the transferred cash and/or securities only after the transfer process has been completed and the assets have been received by Schwab. 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. You can change your Cash Feature election to another eligible Cash Feature by contacting Schwab. If your deposit accounts or SchwabSweep Money Fund, as applicable, accrue interest or dividends, resulting from the investment of money represented by a check or other item that is later returned unpaid, we will debit your Account for the amount of the interest or dividends. 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 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. In addition, depending on market conditions, Schwab cannot guarantee that it will have shares available to facilitate a short sale. Applicable rules, regulations, customs and usage of any exchange, market, clearinghouse or self-regulatory organization; Applicable federal and state laws, rules, regulations and treaties. This affiliation does not limit the authority of our representatives to provide you with information about any available investment vehicles, including third-party mutual funds that are not affiliated with Schwab. You agree that Schwab may combine communications such as account statements, confirmations and other written communications related to account activity for your accounts in a manner that reduces the number of envelopes mailed to you. Equity securities selling for $5 or less and odd lots usually may not be sold short. Like other Schwab representatives, IBLs will have access to customer information to help service accounts and sell Schwab products and services. 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. For settlement purposes, Schwab will round either up or down to the nearest penny any amounts owed to or from Schwab. You agree that Schwab will not be responsible for, and cannot monitor, your advisor's use of the TCP information. No change or cancellation of market orders will be accepted through the Electronic Services. We generally will attempt to have orders received by us prior to our deadline accepted by the fund for execution at the price next calculated by the fund. Find workshops View All Branches Your TCP will be the same for all your accounts (except for incorporated organization accounts), so if you provide or update your TCP for one account, it will apply to all of your accounts (except for incorporated organization accounts). Unless you notify Schwab otherwise, Schwab will make a reasonable effort to link qualified accounts of persons with the same last name at the same home address. 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. Their rates start at 8.325% for loans up to $25,000 and go down the more you borrow, with the lowest rate . 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. Due to privacy laws, recent records may not be displayed. Your notice to us will not affect any obligations resulting from transactions initiated prior to our receipt of the notice. Investment decisions you make involving extended hours trading are your responsibility. 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. When you use the Electronic Services to place a trade order, you acknowledge that your order may not be reviewed by a registered representative before being routed to an exchange for execution, and you also will not have the opportunity to ask questions or otherwise interact with a Schwab representative.

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