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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. Regular Mail: Schwab Charitable P.O. Schwab may suspend or terminate your access to its Electronic Services for reasons including, but not limited to, the unauthorized use of your account access information, breach of this Agreement, discontinuance of Schwab's access to any Information or any other data from any Information Provider or Research Provider or termination of one or more agreements between Schwab and Information Providers, Third-Party Research Providers or Information Transmitters. 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. In addition, depending on market conditions, Schwab cannot guarantee that it will have shares available to facilitate a short sale. In the event of a rights offering to holders of an eligible security, we will cause the rights accruing to all partial shares of that security that are subject to the Schwab StockBuilder Planto be sold, and we will invest the proceeds in shares of that security. Charles Schwab & Co., Inc. Schwab may facilitate the trading of a fraction of a share of a security ("Fractional Share"), and subsequently hold Fractional Shares in custody in your account. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. (Member SIPC), offers investment services and products, including Schwab brokerage accounts. What does "This account is restricted to orders that close out existing Schwab's ability to aid you in achieving the most favorable tax treatment will vary by jurisdiction. Accordingly, you may receive an inferior price in one extended hours trading system than you would in another extended hours trading system. We may impose anytime and without prior notice more stringent requirements on positions that in our sole discretion involve higher levels of risk; for example, higher limits may apply for thinly traded, speculative or volatile securities, or concentrated positions of securities. For securities that pay cash dividends or that split, unless otherwise instructed, open GTC orders will be adjusted in accordance with stock exchange regulations. A few records may be earlier or later. 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. We reserve the right to require written instructions from all account holders, at our sole discretion. If you intend to send funds to settle securities transactions, we must receive these funds on the Business Day before the Settlement Date to prevent an automatic redemption. 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. If an order cannot be canceled or changed, you agree that you are bound by the results of the original order you placed. Schwab can change the eligibility criteria for Cash Features on advance written notice to affected clients, or make certain Cash Features available to clients that do not otherwise meet published criteria. We will give you as much advance notice of the action to be taken (or not to be taken, as applicable) as is practicable under the circumstances. Applicable exchange rules and federal regulations; Our Disclosure of Credit Terms and Policies; or. Schwab Stock Slices | About Schwab 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. For more detailed information on how we calculate these equity requirements, call your Schwab representative at1-800-435-4000. 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. Schwab will not be responsible for any service difficulties resulting from your failure to possess technology adequate to use Schwab's Electronic Services to your satisfaction. To obtain verification, we may contact your employer (and your spouse's, if applicable), obtain consumer and credit reports and make other inquiries, but we are not obligated to do so. The term "we," when used below, means Schwab. 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. 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. Our selection may differ from that indicated in your instructions. Schwab and the Third-Party Research Providers do not (1)guarantee the accuracy, timeliness, completeness or correct sequencing of the Research Reports, or (2)warrant any results from your use of the Research Reports. When you deposit checks in your Schwab Account, they will become available for withdrawal according to our availability schedule. If there is a discrepancy between an issuer-provided value and a third-party value, Schwab may report the value of your Non-Publicly Traded Security as "N/A" or "Not Available." You agree that we will not be liable to you for any losses, including lost profits, if the mutual fund does not accept your order for execution at the price next calculated by the fund after our deadline for any reason, including, but not limited to, computer system delays or failures, natural catastrophes or other emergencies, or human error resulting in our late placement of the order with the fund. The Electronic Services you access by computer provide you with the capability to send electronic communications, such as email, directly to Schwab and interact within applicable areas of the Electronic Services. These fees can include, without limitation, any Research Report fees. If several accounts hold short positions in a security and not all of the positions are to be covered, we can select the positions to be covered on a random basis. Any notice we send to one account holder will be notice to all account holders. In other words, if this is a joint account, your TCP will not necessarily apply to your joint account holder. You further acknowledge and agree as follows: We may prescribe limitations or refuse to accept checks for deposit when forwarded to us by your advisor. 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 there is a restriction on your account(s) at Schwab, your use of the Electronic Services' trading functions will be so restricted with respect to such account(s). Although Schwab seeks access to major trading systems, exchanges, and dealer markets in an effort to obtain competitive pricing, at any given time it is possible that securities could be available through other trading systems, exchanges, or dealers at superior or inferior prices compared to those available at Schwab. If, on any given day, the accrued daily dividend for your SchwabSweep Money Fund as calculated for your Account is less than half of one cent ($0.005), your shares will not earn a dividend for that day. 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. In any case, our liability arising from any legal claim (whether in contract, tort or otherwise) relating to the market data will not exceed the amount you have paid for use of the services or market data. Market orders will not be accepted. In addition, if you do not accrue at least one daily dividend of $0.01 during a pay period, you will not receive a money market dividend for that period. Potential Changes to Extended Hours Trading:Schwab reserves the right to change its extended hours trading session. It is part of your brokerage account agreement. 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. Only a few localities are included and the time period varies by locality. The year range represents most of the records. Note: Certain transfers made in connection with the purchase or sale of securities are not covered by Regulation E or this section. Once a call has been announced ("publication date"), all shares participate in the random call process, regardless of whether they are registered or held in street name. If we decide we need the additional time to investigate your complaint or question, we will provisionally credit your account within 10 Business Days (or 20 Business Days for errors or questions relating to transactions that occurred within 30 days after the first deposit to the Schwab Account was made) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. Coconutface03 2 yr. ago Have you figured out a solution? A description of the error or transaction you're unsure about, A clear explanation of why you believe it's an error or why you need more information, and. In addition, the Custodian acknowledges that Schwab may restrict the Custodian's access to the Account upon termination of the custodianship. Schwab has sole discretion to change when and how often sweeps occur upon advance written notice to you. Please call Schwab or visit our website for our current margin requirements. This obligation will survive the termination of this Agreement. You further agree that to the extent funds are not available, Schwab is authorized to liquidate any investments in your account necessary to generate the funds needed to satisfy your tax obligation. 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). For electronic funds transfers and wires, this manual review may delay when funds are paid or made available. 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. Engage via Email. 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. Market orders (including marketable limit orders), in particular, are subject to immediate execution and as a general rule cannot be canceled once entered during market hours and shortly before market opening. This includes disclosing information about your account to address possible financial exploitation, confirming the specifics of your current contact information, your mental and physical health status, or the identity of any legal guardian, executor, trustee, or holder of a power of attorney on your account(s); or as otherwise permitted by industry regulations or state law. We reserve the right to charge interest on debit balances in the Cash Account. You agree that, when in the future you click on an "I agree," "I consent" or other similarly worded "button" or entry field with your mouse, keystroke or other computer device, your agreement or consent will be legally binding and enforceable and the legal equivalent of your handwritten signature. When transferring assets from another firm, please be advised that we will not accept or honor any oral or written instructions from you to purchase or sell securities prior to our actual receipt of your assets and the completion of the transfer process. In either of these situations, you or your advisor, if you have one, may be required to contact a Schwab representative to assist you with transactions in these stocks. As a result, your order may only be partially executed, or not at all. You agree to be bound by any wire instruction, whether or not authorized, that is issued in your name and accepted by us in compliance with the security procedure.

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