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. Clearly Erroneous Policy:Schwab may be subject to the Electronic Market's "clearly erroneous policies." 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. 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. 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. 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. You understand that Schwab's ability to process cancellation requests will be impacted by market conditions and trading volumes, both of which are out of Schwab's control. You may recover unclaimed property turned over to a state by contacting that state. 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. You agree to pay all costs (including attorneys' fees), if any, incurred by Schwab in collecting overdue fees from you. See the "Float Disclosure" section for more information. Unless there is no balance in your account, you will be given notice prior to our closing your account. 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. To obtain information about SIPC, including an explanatory SIPC brochure, please contact SIPC atwww.sipc.orgor1-202-371-8300. Schwab will inform you if your Account is assigned to an IBL in your geographic area. You further acknowledge that Schwab and its affiliates receive certain remuneration for providing services to the Schwab Funds, Laudus Funds, and Schwab ETFs ("Schwab Affiliate Funds") in various capacities, including investment advisory and administrative services, as set forth in the prospectuses of the Schwab Affiliate Funds, as amended from time to time. We reserve the right to redeposit any checks that are returned unpaid the first time due to insufficient funds, or any other reason, with or without prior customer notification. If after your account is closed for any reason, securities or other property from any source are credited to your account, you authorize us to mail to you either certificates for nonfund securities or a check reflecting the cash balance in your account, or both. With respect to any election you make in a corporate action while the Securities or Other Property in your Margin Account are lent to another borrowing counterparty, you understand that the borrower may vote the shares differently and/or make a different election. Our failure to insist on strict compliance with the Account Agreement or any other course of conduct on our part shall not be construed as a waiver of our rights under the Account Agreement. In arranging for the execution of non-directed orders for equities and listed options, Schwab seeks out industry-leading execution services and access to the best-performing markets. Additional information about Schwab's financial relationships with mutual funds and exchange-traded products is available onwww.schwab.com. Schwab will pay interest on remittances by check beginning on the first or second Business Day after the check is deposited, depending on the location of your bank. You have the right to liquidate fractional shares anytime, regardless of whether or not a call has been announced. The Account Agreement, as amended from time to time, is the complete statement of your agreement with us. If you initiate a wire transfer that is subject to Regulation E primarily for personal, family, or household purposes to a recipient in a foreign country (a "consumer foreign wire transfer"), we will provide you with a disclosure of the details of the transaction, as well as information about your error resolution and cancellation rights. Appropriateness of Extended Hours Trading:Schwab does not warrant or recommend that extended hours trading is appropriate for you. If an account is transferred, if a stock undergoes a reorganization or if stock certificates are ordered out of an account, those partial share positions that cannot be transferred or reorganized will be liquidated at prevailing prices. 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. You agree to maintain in your Margin and Short Account collateral of the type and amount required by: Whenever it is necessary for our protection or to satisfy a margin call, deficiency, debit or other obligation owed us, we can (but are not required to) sell, assign and deliver all or any part of the Securities and Other Property securing your obligations, or close any or all transactions in your Schwab Account. You understand and acknowledge that Schwab will make such quarterly payments on behalf of your account only if you direct us in writing to make these payments, and if you notify us of the amount you wish us to pay each quarter. 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. If you are unable to cover a short security position (either through delivery of the security or through our "buying in" the security) in enough time so we can deliver the security to its lender (to whom we're obligated), you agree to reimburse us for the losses we sustain as a result of your failure to deliver the security. In the event we do advance such proceeds or distributions, such amounts will constitute indebtedness owed to us by you, secured as described in the section entitled "Security for Indebtedness" until they are received from the fund. 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. To the extent applicable to your account, the unclaimed property law requires us to turn over to the state of your last known address (as shown in our records) personal property which is unclaimed by its owner for a set period of time. This manual review may result in a delay in execution. You agree that, for any orders you send to us in writing, the timing of the order entry is not a priority for you and you understand that, although we will use our best efforts to enter that order in a timely manner, it may not be entered immediately at the time the written order is received. The firm was rated #1 in the categories "Platforms & Tools" (11 years in a row), "Desktop Trading Platform . Failure to provide us with a valid account number could also limit your access to a Schwab representative. 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. 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. Charles Schwab, chairman of the eponymous company he founded about 50 years ago, has been a prolific Republican donor. In addition, depending on market conditions, Schwab cannot guarantee that it will have shares available to facilitate a short sale. 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). The company averages 6 million trades per day across 34 million client accounts worth $7.1 trillion. We may elect anytime, with or without notice, to make any debit balance or other obligation related to your account immediately due and payable. 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. If you choose to change your Cash Feature from one Cash Feature to another, or if Schwab changes your Cash Feature from one Cash Feature to another, you will generally stop earning interest or dividends, as the case may be, on the day of your request. 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. Get Lance Park's email address (i*****@hotmail.com) and phone number (415-516-..) at RocketReach. You agree that your use of such products or services is an acknowledgment that you have understood the disclosure, notice or policy, and that you agree to any action taken by Schwab in accordance with the stated disclosure, notice or policy. 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. Applicable exchange rules and federal regulations; Our Disclosure of Credit Terms and Policies; or. Christopher Spriggs's Phone Number and Email Last Update. You agree that we are not liable for any damages or market fluctuations resulting from an error you fail to timely report to us or to your delay in reporting an error to us. You acknowledge that if you do not cancel an open GTC order, the transaction may be completed based on your original instructions. 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. If you have questions about the termination age, please consult your legal or tax adviser. 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. You may close your Schwab Account anytime by giving us notice. The age of custodianship termination varies by state, although many states set the maximum age for termination at 21. ET on the prior trading day, but will not be eligible for execution until the session officially opens at 7:00 a.m. Periodically, we will send you a comprehensive statement showing the activity in your account, including applicable interest charges, interest rates and adjusted daily debit balances. 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). Its broker-dealer subsidiary, Charles Schwab & Co., Inc. (Member SIPC), offers investment services and products, including Schwab brokerage accounts. You acknowledge that Schwab will be relying on your investigation into these matters in considering your request to hold a Non-Publicly Traded Security in your Account. Neither we nor the market data providers will be liable for interruptions in the availability of market data or your access to market data. 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. Schwab may execute fixed income orders for customers as agent or as principal for our own account. For our protection or to satisfy your obligations to us, we can,at our discretion and without prior demand or notice, sell or otherwise liquidate all or any part of the Securities and Other Property, securing your obligations or closing any or all transactions in your Schwab Account. This obligation will survive the termination of this Agreement. 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. Arbitration Agreement. The spread refers to the difference in price between what you can buy a security for and what you can sell it for. Schwab reserves the right to remove from your Account any security that is deemed to have been cancelled or otherwise invalidated. E-0323-5864603325063757858 REG18163-29 (04/23), Brokerage Products: Not FDIC Insured No Bank Guarantee May Lose Value. This delay may also result in a limit order becoming ineligible for execution. If you notice any other discrepancy in valuations between your Schwab statement and any statement provided by the issuer of your investment, please review your statement footnotes to understand how the valuation was obtained and contact Schwab with any further questions. 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. By providing us with your telephone number(s), you consent to receiving text messages and phone calls on those telephone number(s) made using an automatic telephone dialing system and/or an artificial or prerecorded voice from us relating to your Account. 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. Your Account statements will reflect all transactions in your Cash Feature (including purchases, redemptions, dividends, dividend reinvestments, deposits, and interest). Make yourself at home. 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. You will not furnish the quotes to any person or entity other than an officer, partner or employee of your business. There may be lower liquidity in extended hours trading as compared to regular trading hours. Account protection is not provided for the accounts of banks or broker-dealers maintained for their own account. Please call Schwab or visit our website for our current margin requirements. You agree that Schwab will not be responsible for, and cannot monitor, your advisor's use of the TCP information. 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. 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. If we need more time, however, we may take up to 45 days to investigate your complaint or question.
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