With respect to Securities and Other Property held in your Margin Account, you also agree and acknowledge that: All transactions in your Margin and Short Account are subject to the Account Agreement in its entirety and any other written agreements between you and us, all as amended from time to time. You also acknowledge that when you direct Schwab to wire or transfer funds to an issuer or sponsor of a Non-Publicly Traded Security, Schwab will not have any responsibility or liability if the issuer or sponsor involved does not provide the required receipt or confirmation of the investment in a manner that would allow Schwab to hold the security in your Account. Each Service can have unique fees and additional terms and conditions. You acknowledge that Schwab will not act upon trade orders transmitted through electronic communications other than orders you transmit through designated trade order features; Schwab shall be entitled, but is not obligated, to review or retain your electronic communications for, among other reasons, monitoring the quality of service you receive, your compliance with this Agreement and the security of the Electronic Services. Initial margin requirements may change without prior notice. On account statements and trade confirmations, Schwab calculates the quantity, unit price, and market price out to four decimal places if necessary. 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. If you think your statement is wrong or if you need more information about a transfer listed on the statement, call or write to us as soon as you can: Write: If you or Schwab designate a new Cash Feature after the close of business or on a non-Business Day, your Free Credit Balances will be invested or deposited into your new Cash Feature after the close of business on the next Business Day, and generally will begin earning dividends or interest on the Business Day following the next Business Day. 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. The minimum deposit may consist of check, Electronic Fund Transfer and/or marginable securities. Contact. 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. 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. No one except the account holders listed on the Account Application (and if community property is held, the account holders' spouses) has an interest in the Schwab Account. If your account is managed by an advisor, please contact your advisor directly, or call Schwab Alliance at1-800-515-2157. For current fees, call1-800-435-4000. Automatic dividend reinvestment may give you a partial share position in securities that are callable in part. These other fees can include, but are not limited to, the following: Some Services have a special fee schedule that is not included in the applicablePricing Guide. We also may reject any instruction that is not confirmed in accordance with any other security procedure that you and we agree upon. You understand that in order for Schwab's Electronic Services, including future services available from Schwab, to perform to your satisfaction, or at all, you are solely responsible for the hardware, software or other technology you use to access Schwab's Electronic Services. Any costs, fees or taxes involved in enforcing the award shall be fully assessed against and paid by the party resisting enforcement of said award. 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. You acknowledge that it may not be possible to cancel a market or limit order once you have placed it, and you agree to exercise caution before placing all orders. You agree not to reproduce, retransmit, disseminate, sell, distribute, publish, broadcast, circulate or commercially exploit the Information in any manner without the express written consent of Schwab, the Information or Third-Party Research Providers or any other person with the authority to give such consent. Prices generally reflect activity by market participants or dealers linked to various trading systems. You agree to comply with applicable payment system rules, including the Operating Rules of the National Automated Clearing House Association (NACHA), the laws and regulations of the United States, and any other applicable law. Closing an account or terminating services will not affect your obligations incurred prior to closure or termination. Schwab processes your request to change or cancel an order on a best-efforts basis only and will not be liable to you if Schwab is unable to change or cancel your order. In addition, you agree that Schwab shall be entitled to apply any dividends, capital gains payments, interest payments or other incoming funds, such as funds that would otherwise be invested through the Automatic Investment Plan or dividend reinvestment, to cover fees or other indebtedness to Schwab. Orders May Not Be Manually ReviewedYou understand and acknowledge that when you place orders using Schwab's Electronic Services, those orders may be sent directly to an exchange without being viewed by an individual Schwab representative. 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. A waiver will apply only to the particular circumstance giving rise to the waiver and will not be considered a continuing waiver in other similar circumstances, unless the intention to grant a continuing waiver is expressed in writing. You alone are responsible for the taxes resulting from your trades, including any tax liability arising as a result of foreign legal obligations. Other minimums may apply to certain types of special accounts such as Custodial and College Saver accounts. For accounts with the margin feature, Schwab reserves the right, but has no obligation, to negotiate with you or an advisor who manages a Schwab account for you, a different margin rate for your Account. Securities that are fully paid for or are deemed "excess margin securities" under applicable securities laws may not be pledged, repledged, or used unless you have signed a separate written agreement that gives us the right to do so. The "daily margin interest rate" is based on a 360-day year. You acknowledge and agree that Schwab is the principal underwriter of the Schwab Funds. 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. To add or remove the Plan with respect to SCHW stock in your account, you must notify us by telephone at least one Business Day prior to the day on which dividends or other eligible cash distributions are payable for SCHW stock securities. 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. You agree that you are responsible for all costs, including the cost to repurchase or resell stock, if you buy/sell/transfer/deposit stock that is later found to be restricted or nontransferable. This delay may also result in a limit order becoming ineligible for execution. If we decide that there was no error, we will send you a written explanation. You agree to contact Schwab if you are acting in a fiduciary capacity and want your fiduciary account aggregated as part of the Household Calculation or excluded from the Household Calculation. All transactions in the Margin and Short Account are subject to our Disclosure of Credit Terms and Policies. It is your responsibility to verify with us whether your order will receive the price next calculated by the fund prior to placing your order with Schwab. We may in our sole discretion close your account or terminate any or all services rendered under the Account Agreement anytime and for any reason. Our short-term redemption policy, including applicable fees and other restrictions, is available atwww.schwab.comand upon request. As a condition of your eligibility to receive certain Schwab products, services or offers, or as a condition for you to set up access to your account through the web or another Electronic Service, upon notice to you, Schwab may require that you accept delivery of trade confirmations, account statements, prospectuses, issuer information, or other documents by electronic means such as electronic mail or through one of our websites. 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. When you sell "long" securities, you must own the securities when you place the order. 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. You agree to pay all subscription, service and use fees, if any, that you are charged by Schwab or its designee for Schwab's Electronic Services. You agree and acknowledge that Securities and Other Property held in your Margin Account, now or in the future, can be borrowed (either separately or together with the property of others) by us (acting as principal) or by others. 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. We obtain market data from securities exchanges and markets and from third parties that transmit market data (collectively referred to in this section as "the market data providers"). If you wish to try to change or cancel your market order, you agree to call a Schwab representative to assist you. For our protection, we may restrict your ability to withdraw funds represented by a check or other item or to apply such funds to settle a securities transaction. 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. Depending on the extended hours trading system or the time of day, the prices displayed on a particular extended hours trading system may not reflect the prices in other concurrently operating extended hours trading systems dealing in the same securities. These margin transactions are riskier and involve the possibility of greater loss than transactions where you are not borrowing money. Schwab will not undertake to review or assume responsibility for the terms and conditions or contents set forth in such documentation, including, but not limited to, appropriateness or suitability, restrictions of ownership, rights of transfer, financial statements, or the adequacy of disclosure or compliance with applicable laws, rules, and regulations. 3. In 2020, he gave millions to the Congressional Leadership Fund, a super. Overnight Delivery: Schwab Charitable 1958 Summit Park . 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. This manual review may result in a delay in execution. Engage via Email. 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. However, cash-in-lieu, special dividends, interest, and distributions of any kind that are larger than 5% of the share value cannot be automatically reinvested. In general, personal property is considered unclaimed if you have not performed at least one of the following activities within the period of time set by the state: Before we turn over the assets in your account (if any), we will, as required by law, send a notice to the address we currently show on your account statement. Schwab will notify you in writing of changes to the terms of the Cash Features, changes to the Cash Features we make available, or a change in the Cash Features Program prior to the effective date of the proposed change. 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. 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 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. 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. If you have an account for which you are acting in a fiduciary capacity, it is your responsibility to consider whether it is appropriate for envelopes to be mailed to you that might contain material relating to both your personal and fiduciary capacities.