By signing an arbitration agreement, the parties agree as follows: No person shall bring a putative or certified class action to arbitration, nor seek to enforce any predispute arbitration agreement against any person who has initiated in court a putative class action; or who is a member of a putative class who has not opted out of the class with respect to any claims encompassed by the putative class action until: Such forbearance to enforce an agreement to arbitrate shall not constitute a waiver of any rights under this Agreement except to the extent stated herein. You agree to hold us harmless if we do not make withdrawals or liquidate shares to satisfy debits in your Account. If you know or suspect that you have received an overpayment of funds or securities, or if you know or suspect that Schwab has not yet collected from your account a fee you have incurred, you agree to notify Schwab, in writing, as soon as you learn of the overpayment or uncollected fee. We can charge fees for sending a wire transfer. You will be responsible for the confidentiality and use of your access number(s), password(s) and account number(s). 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. For example: You are responsible for knowing the rights and terms of your securities, and for taking action to realize the value of your securities. You understand that these values displayed on your Schwab account statements are provided for your convenience only, may have been reported as long as 18 months prior to statement preparation, and should not be relied upon as any indication of market value. If any term of this agreement is found to be invalid or unenforceable, all other provisions will remain in full force. Lower liquidity and higher volatility in extended hours trading may result in wider than normal spreads for a particular security. You further agree to be responsible for all costs and commissions related to such liquidations. 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 is not responsible for identifying accounts that are eligible to be linked for purposes of determining the Accounts of Your Household. If a check or other item you remit to us is returned unpaid, we will charge a fee to your Schwab Account. Choose from: Show a system tray notification: Displays the message or subject of the message for 5 seconds in the lower right corner of your primary monitor. Account protection is not provided for the accounts of banks or broker-dealers maintained for their own account. Deposit accounts at the banks held in your Account are not eligible for SIPC insurance. You acknowledge that Schwab does not give legal advice or tax advice. We have no control over the intermediary or receiving bank's fee structure. For current fees, call1-800-435-4000. You agree to make payment of any indebtedness related to your Schwab Account, including, but not limited to, any such indebtedness that results from instructions provided to Schwab by you, your agent, or any attorney-in-fact under a power of attorney or advisor authorized to make transactions in your Schwab Account. You can also be charged a fund's redemption fee that would not be imposed by the fund on direct shareholders holding fund shares under the same circumstances. Box 628291 Orlando, FL 32862-8291. Your price per share will be the weighted average price of all SCHW shares purchased for Schwab StockBuilder Planparticipants by the buying agent with the funds from a particular eligible cash distribution. Schwab has no responsibility under any circumstance for any such determination unless we otherwise agree with you in writing or unless Schwab gives advice directly to you that is clearly identified as a Schwab recommendation for you to enter into a particular transaction or transactions, or to buy or sell a particular security or securities. Charles Schwab & Co., Inc. is a member firm of the Financial Industry Regulatory Authority (FINRA). You are responsible for the confidentiality and use of your access number, password and account number, and for all securities and other transactions initiated through these means. The Electronic Services are accessible via computer, telephonic or wireless transmissions for use on compatible personal, home or small-business computers, including Internet appliances with modems, terminals and network computers, as well as various wireless devices. Schwab's Cash Features Program is the service described in the Cash Features Disclosure Statement that we provide to automatically invest, or "sweep," the Free Credit Balance in your Account into a liquid investment or to earn interest from Schwab on the Free Credit Balance in your Account. If any assets held in your account generate unrelated business taxable income (UBTI), you have the sole responsibility for reporting such income to the Internal Revenue Service (IRS) and any other tax authorities and for complying with any other tax filing requirements resulting from receipt of such unrelated business taxable income. Additional information about Schwab's financial relationships with mutual funds and exchange-traded products is available onwww.schwab.com. 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. If there is more than one account holder, each account holder is jointly and severally liable for obligations arising under the Account Agreement or relating to the Schwab Account. 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 may receive funds transfers directly from the sender, through a funds transfer system such as an ACH system, or through some other communications system. You agree that Schwab may rely, without question or verification, on the values provided by the issuers or sponsors of Non-Publicly Traded Securities. 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. The dollar amount of the transaction or suspected error. This could have the effect of placing you in the position you were in before the transaction. Otherwise shown an interest in your account. You agree to use the services to enter your orders if time is of the essence. However, Schwab may choose, at its own discretion, to participate in a third-party dividend reinvestment program. Schwab Stock Slices offer access to. You agree that, in purchasing and redeeming shares of a mutual fund through Schwab, Schwab's policies and procedures will govern such transactions and not those of the mutual fund as described in its prospectus, which may be either more or less beneficial to you as an investor. If you do not understand the purpose or effect of either market or limit orders, you agree to call a Schwab representative to assist you. ET. If you fail to do so, you will become liable to Schwab not only for the amount of the overpayment or uncollected fee, but also for the interest and expenses associated with its recovery. You may direct us to add the Schwab StockBuilder Planto all eligible securities in your account, or you may choose individual securities for automatic dividend reinvestment. 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. In addition, Schwab reserves the right, but is not obligated, to prevent any IPO stock from being traded through the Electronic Services. If you do not want your account data included with data from other Accounts of Your Household for such purposes, you agree to contact Schwab. In the event third-party data sources provide valuation of your Non-Publicly Traded Security to Schwab, Schwab may display the value provided by a third party or a value derived from the third-party data on your statement. You cannot amend or cancel a payment order after we receive it. 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. Assets awaiting investment or deposit include: (1)amounts deposited by you into your Account; and (2)any other uninvested assets held by your Account caused by an authorized instruction to Schwab to purchase or sell securities (which may, after the period described below, automatically be swept into a SchwabSweep Money Fund or deposited into a Sweep Bank). We may elect anytime, with or without notice, to make any debit balance or other obligation related to your account immediately due and payable. Unless we otherwise agree with you in writing, Schwab does not monitor your Account and has no obligation to update any investment recommendation we give you. During non-business hours or during periods of peak demand, market volatility, systems upgrades or maintenance, or for other reasons, access to a Schwab representative via the phone channel may be limited or unavailable. It offers banking, commercial banking, investing and related services including consulting, and wealth management advisory services to both retail and institutional clients. Schwab reserves the right to stop paying interest on your Account, change your Cash Feature, close your Account, or take any other action if Schwab, in its discretion, concludes that your Free Credit Balances are maintained solely for the purpose of receiving interest. 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. Personal property includes assets in customer accounts (including your Schwab Account) as well as uncashed dividend checks and other Schwab checks payable to customers. Select your Charitable Account in the drop-down menu of accounts. For margin balances of $500K and above, please call us at1-877-752-9749for more information about our latest rate offers. 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. You specifically represent and warrant that you have not been designated by the U.S. Department of Treasury's Office of Foreign Assets Control (OFAC) as a Specially Designated National or blocked person, that you have no reason to believe that you would be considered a blocked person by OFAC, and that you are not acting as agent of any such person. 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 will not use the Electronic Services to solicit Schwab customers or others or participate in the solicitation of Schwab customers or others for any purpose; You will not upload, post, reproduce or distribute any information, software or other material protected by copyright or any other intellectual property right (as well as rights of publicity and privacy) without first obtaining the permission of the owner of such rights; You will not in any way express or imply that the opinions in your electronic communications are endorsed by Schwab without the prior written consent of Schwab; If you use the Electronic Services that you access by computer, you agree to provide Schwab with your email address, promptly provide Schwab with any changes to your email address and accept electronic communications from Schwab at the email address you specify; and.
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