If the net amount of any dividend, interest or other payment set to be automatically disbursed to you by check is less than $100, it will remain as a credit balance in the Account and will not be automatically sent to you. Schwab can provide no assurance that your limit order will be executed at any particular time, or at all. Most stocks traded on national securities exchanges and some over-the-counter (OTC) securities are marginable. Sort columns by clicking on the column header. The Research Reports have been prepared as of the date indicated and may become unreliable for various reasons including, for example, changes in market or economic circumstances. Before instructing us to buy/sell/transfer/deposit securities that are: (a)"restricted securities" or securities of an issuer of which you are an "affiliate" (as those terms are defined in Rule 144/144(b)1 under the Securities Act of 1933); (b)securities that are being bought/sold in reliance on Rule 701, Rule 144A, Regulation D, or Regulation S under said Act; or (c)securities of which you and the issuer or its underwriter have entered into an agreement restricting the transferability of such securities (penny stock/micro-cap securities that do not trade on a national securities exchange are required to go through the acceptance review process), you agree to tell us the status of your restricted/control/micro-cap securities, including any restrictions (including contractual lock-up or blackout restrictions) on your ability to buy/sell/transfer/deposit such securities, and to promptly furnish whatever information and documents we need to comply with our regulatory duties. 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. By submitting an account application, you authorize us to: You also authorize your wireless carrier (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose information about your wireless account, such as your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status, subscriber method and device details, if available, to support identity verification, fraud avoidance and other uses in support of transactions for the duration of your business relationship with us. 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. Fractional Shares may have different rights from full share interests of the same security: You acknowledge a quote that you obtain at or prior to the time you place a market order is not a guarantee that all or part of your order will be executed at the quoted price. You will not receive a separate confirmation for transactions in your Cash Feature. If you wish to try to change or cancel your market order, you agree to call a Schwab representative to assist you. Schwab may ask you to remove any Non-Publicly Traded Security from your Account at any time and for any reason. Find a Branch | Financial Services | Brokerage Firm | Charles Schwab Find a Schwab branch near you. A few records may be earlier or later. 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. Generally, the higher the volatility of a security, the greater its price swings. We compound the interest as described in our Disclosure of Credit Terms and Policies. However, Schwab may choose, at its own discretion, to participate in a third-party dividend reinvestment program. If we need more time, we may take up to 90 days to investigate. Automatic reinvestment of your eligible cash distributions may give you interests in partial shares of securities, which we will calculate to four decimal places. Orders for the after-hours trading session can be entered and will be eligible for execution beginning at 4:05 p.m. The services may require you to use a number or password to access your Schwab Account. 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. Please consult with your attorney or investment advisor with regard to your particular investment. Contact the Dedicated PCRA Call Center at1-888-393-PCRA (7272)if you are a PCRA account holder with questions about applicable provisions and amendments. Charles Schwab Broker Review - US News & World Report April 2023 You understand and agree that Schwab can (i)make changes to the terms and conditions of our Cash Features Program; (ii)make changes to the terms and conditions of any Cash Feature; (iii)change, add, or discontinue any Cash Feature; (iv)change your investment from one Cash Feature to another if you become ineligible for your current Cash Feature, your Cash Feature is discontinued, or such change is required pursuant to any regulatory requirement; and (v)make any other changes to the Cash Features Program or Cash Features as allowed by law. 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. If we receive a deposit or transfer to your account on a day that is not a Business Day, we may not credit your account until the next Business Day. Charles Schwab leaves U.S. Chamber of Commerce - CNBC Due to privacy laws, recent records may not be displayed. All orders shall be deemed to be made at the time received by Schwab and in the form received. By providing us with a payment order in a manner that is acceptable to us, you authorize us to act on your behalf to initiate a wire transfer. You also agree that if your account holds assets that generate unrelated business income, your account at all times will contain liquid funds to pay any tax imposed on unrelated business income at the time such tax obligation becomes due, and that, if necessary to satisfy any such tax obligation, you will liquidate assets or contribute sufficient amounts to the account. Accounts with less than $100 in cash 30 days prior to the termination of the custodianship will be closed and a check for the value of the Account will be mailed to the Custodian. Deposit accounts at the banks held in your Account are not eligible for SIPC insurance. 3. If you think there has been an error or problem with your wire transfer: You must contact us within 180 days of the date we promised to you that funds would be made available to the recipient. You agree that you are also solely responsible for any tax consequences associated with the removal of the Non-Publicly Traded Security from your Account. Charles Schwab & Co., Inc.All rights reserved. Charles Schwab Account Restricted When Trying to Transfer Funds? You agree that these principles do not apply to your specific circumstances or take into account your comprehensive tax or estate planning situation. 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. During this time, we will earn and retain interest on your funds, generally at money market rates. ET, and an after-hours session that operates from 4:05 p.m. to 8:00 p.m. We are not responsible for determining the purpose or propriety of an instruction we receive from any account holder or for the disposition of payments or deliveries among joint account holders. You agree immediately to notify Schwab if you become aware of: You acknowledge that data, including email, electronic communications and personal financial data, may be accessed by unauthorized third parties when communicated between you and Schwab, Information Providers or Information Transmitters, using the Internet, other network communications facilities, telephone or any other electronic means. We will promptly forward to the buying agent all eligible cash distributions that we receive from SCHW for the Schwab StockBuilder Planparticipants. It is important that you provide us with accurate and complete payment information. 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. Our selection may differ from that indicated in your instructions. 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 agree not to hold us liable for taking such action. 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. 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). Unauthorized access is prohibited. Our short-term redemption policy, including applicable fees and other restrictions, is available atwww.schwab.comand upon request. Market orders, in particular, are subject to immediate execution, and as a general rule cannot be canceled once trading begins. If an order cannot be canceled or changed, you agree that you are bound by the results of the original order you placed. We may extend credit to you according to applicable laws and regulations and our Disclosure of Credit Terms and Policies. Schwab regularly monitors the execution quality obtained to ensure orders are routed to market venues that have provided high-quality executions over time. All transactions in the Margin and Short Account are subject to our Disclosure of Credit Terms and Policies. Get Lance Park's email address (i*****@hotmail.com) and phone number (415-516-..) at RocketReach. If your Account is managed by an advisor, please contact your advisor directly or call Schwab Alliance at1-800-515-2157. 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. Certain accounts may not be eligible for linking. 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. 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. We will not be liable to you for the rejection or obligated to pay you interest for the period before you receive the notice of rejection. If you tell us orally, we may require you to send us your complaint or question in writing within 10 Business Days. Please call Schwab or visit our website for our current margin requirements. 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. Market orders will not be accepted. You agree that you will read any Urgent Notification before placing orders through the Electronic Services and will be deemed to have knowledge of any such Urgent Notification that is posted when you place an order. Pursuant to regulation or law, your account may be ineligible to invest in certain Sweep Money Funds. 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. If we lend you securities, you can be required to pay us a fee for as long as you maintain the short position. In addition, depending on market conditions, Schwab cannot guarantee that it will have shares available to facilitate a short sale. You agree that Schwab may rely, without question or verification, on the values provided by the issuers or sponsors of Non-Publicly Traded Securities. 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. Christopher Spriggs - Senior Customer Suppor.. - Celonis | ZoomInfo 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. What We Do | About Schwab - Schwab Brokerage In some situations, we can find it necessary to require a higher level of equity in your account. 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. Learn more Your continued use of your Account or a Service following such a change in fee or new fee will evidence your consent. As a result, your order may only be partially executed, or not at all. Such causes include, but are not limited to: (1)the failure of electronic or mechanical equipment or communication lines; (2)telephone or other interconnect problems; (3)bugs, errors, configuration problems or the incompatibility of computer hardware or software; (4)the failure or unavailability of Internet access; (5)problems with Internet service providers or other equipment or services relating to your computer or network; (6)problems with intermediate computer or communications networks or facilities; (7)problems with data transmission facilities or your telephone, cable or wireless service; or (8)unauthorized access, theft, operator errors, severe weather, earthquakes, other natural disasters or labor disputes. Brokerage products and services are offered by Charles Schwab & Co., Inc., Member SIPC. Payment of FeesUpon requesting a Research Report, you shall instruct Schwab or its designee to charge the related fee, if any, to a designated Visaor MasterCard. We post accrued but unpaid interest charges to your account each month. We will notify you that we have received wire transfers and ACH transfers by listing them on your Account statement rather than sending you separate notices with respect to each transfer. Lance Park email address & phone number | CPSI Vice President, Finance 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. Learn more about our services fornon-U.S. residents. 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. Contact. You agree not to hold Schwab liable for any damages of any kind resulting from your decision to disclose your access number(s), password(s) or account number(s) to any third party, including, but not limited to, entities that aggregate account information or website content, or persons who are or claim to be acting as your agent, proxy or Investment Advisor. In covering a short position, we can at our discretion purchase securities for your account either on a normal settlement basis, next-day or a cash settlement basis. It offers banking, commercial banking, investing and related services including consulting, and wealth management advisory services to both retail and institutional clients. 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. 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 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. Longer hold periods may apply to checks drawn on a foreign institution. These client groups may be given preference in reaching a Schwab representative. Schwab may allocate payments in lieu of interest, dividends, or other payments by any mechanism permitted by law. If you no longer have the shares you had on publication date, and your position is called, you will need to cover those shares. Schwab may place any security held in your Account into the Margin Account portion of your Account. We reserve the right to charge interest on debit balances in the Cash Account. Each party shall bear its own initial arbitration costs, which are determined by the rules and regulations of the arbitration forum. 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 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. 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. 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 not to hold Schwab responsible for market fluctuations that may occur to the market price or settlement of your securities while your transaction is processed. If there are significant changes to the net worth, income level or employment status you listed on the Account Application. Any award the arbitrator makes shall be final and binding, and judgment on it may be entered in any court having jurisdiction. Or, call TeleBroker, a direct line to our full suite of touch-tone services, at 800-272-4922 ( 800-2SCHWAB ). The spread refers to the difference in price between what you can buy a security for and what you can sell it for. SIPC Coverage. Schwab does not promote directly or indirectly what is commonly referred to as "Day Trading." This includes, but is not limited to, claims for lost profits, trading losses and damages that may result from the use, inconvenience, delay or loss of use of the Information or for omissions or inaccuracies in the Information. The minimum deposit may consist of check, Electronic Fund Transfer and/or marginable securities. 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. In the bond market, there is no centralized exchange or quotation service for most fixed income products. The most common reasons are a decrease in the value of long securities held as collateral or an increase in the value of securities held short. You shall abide by any additional limitations on use of quotes that Schwab may specify in the future. Unless you provide Schwab with evidence of the validity of the security within sixty (60) days of the notice of removal, you agree to waive any claim to any future distribution from the security and agree to indemnify and hold Schwab harmless from any claims, liability, or damages resulting from the removal of such 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. Fractional Shares present unique risks and have certain limitations. Get Automated Investing with Professional Guidance. 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. The "Money Fund Sweep" feature automatically invests in and redeems shares in a SchwabSweep Money Fund as described in the Cash Features Disclosure Statement. You further agree to comply with all reasonable written requests from Schwab intended to protect the Information and Third-Party Research Providers' and Schwab's respective rights in the Information and Electronic Services. You agree that we may correct any execution reported to you that was based on inaccurate market data provided to us by an exchange or a market center. Please call Schwab or visit our website for our current margin requirements. Take the first step The Schwab Investor Card from American Express Rewards tailored for Schwab investors. We may take this action either on a regular settlement, cash or next-day settlement basis. 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. You must notify us at once if you think a wire transfer shown on your Account statement or other notice is incorrect or unauthorized. Find a Branch | Financial Services | Brokerage Firm | Charles Schwab Schwab is not responsible for identifying accounts that are eligible to be linked for purposes of determining the Accounts of Your Household. Each Service can have unique fees and additional terms and conditions. Risk of Higher Volatility. 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. In the event that a SchwabSweep Money Fund is no longer able to maintain the net asset value of its shares at $1, then you authorize and instruct Schwab, without further notice to you, to redeem all of your SchwabSweep Money Fund shares as soon as commercially practicable and deposit the proceeds in your Account. You, and any agent or representative acting on your behalf, agree that we may, but are not obligated to, record telephone calls or listen to conversations you have with any Schwab representative to monitor the quality of the customer service you receive and to verify securities transaction information to banks, mutual funds and other entities regarding the products or services we offer or arrange on behalf of customers, or for other business reasons. In any case, our liability arising from any legal claim (whether in contract, tort or otherwise) relating to the services will not exceed the amount you have paid for use of the services. You have the right to liquidate fractional shares anytime, regardless of whether or not a call has been announced. Before requesting that we hold a Non-Publicly Traded Security in your Account, you agree that you will have performed a complete review of the Non-Publicly Traded Security and taken sufficient actions to determine that the investment is appropriate for you and your own financial circumstances and that you are comfortable with the risk of loss, whether due to investment risk or the potential for fraud or misconduct. If an order cannot be canceled or changed, you agree that you are bound by the results of the original order you placed. 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. Schwab may assign calling teams and specific phone numbers to support certain client groups based on certain factors, which may include asset levels and trading history. You are responsible for monitoring the status of your account, for ensuring that sufficient collateral is maintained in the account and for liquidating positions to minimize losses. More detailed information on cost basis is available in the Cost Basis Disclosure Statement, located onschwab.com. 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. While Schwab is not required to compensate you for any differential tax treatment, if you are allocated a substitute payment in lieu of interest, dividends, or other payments, you understand that such a payment may not be entitled to the same tax treatment. 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.

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