You agree to pay on demand any account deficiencies after liquidation, whether liquidation is complete or partial. You further agree not to remove the overpayment of funds or securities or the uncollected fee from the account, or to return the entire overpayment or uncollected fee to Schwab if it has already been removed from your account. If we decide that there was no error, we will send you a written explanation. With the exception of applications commonly known as web browser software, or other applications formally approved by Schwab in writing, you agree not to use any software, program, application or any other device to access or log on to Schwab's computer systems, website or proprietary software or to automate the process of obtaining, downloading, transferring or transmitting any content, information or quotes to or from Schwab's computer systems, website or proprietary software. Market orders, in particular, are subject to immediate execution, and as a general rule cannot be canceled once trading begins. 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. 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. 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. ET on the following trading day. Get Automated Investing with Professional Guidance. Find a Branch | Financial Services | Brokerage Firm | Charles Schwab Find a Schwab branch near you. The Schwab OneInterest feature is subject to the terms and conditions set forth in the Cash Features Disclosure Statement, including the manner of setting interest rates and the crediting of interest. You may ask for copies of the documents that we used in our investigation. Learn more about our services fornon-U.S. residents. The equity level in your account falls below required minimums; Sufficient funds or securities are not deposited to pay for transactions in the account; A petition of bankruptcy or for the appointment of a receiver is filed by or against you; An attachment is levied against any of your brokerage accounts with us; You die or become incapacitated or incompetent; or. 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. 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 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. The value of securities held short in your account is "marked to the market" each day. At our discretion, funds represented by the check also may be unavailable for settlement of securities transactions during the hold period. 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. Charles Schwab Client Center You authorize Schwab to make deposits, withdraw cash, or purchase and redeem securities in accordance with the eligible Cash Feature you have designated or the Cash Feature that has been designated for your Account. 3. Volatility refers to the changes in price that securities undergo when trading. You agree and understand that Schwab may lend, or have already lent, the security subject to the corporate action; however, this will not affect the fact that your account will be credited with your election when the corporate action has concluded. We may treat such fees as a debit to your Schwab Account and deduct the amount of these fees from any credit balance in your account. You further acknowledge that, unless notified in writing by confirmation or similar document, Schwab has not acted and will not act as broker or dealer in any purchase or sale of Non-Publicly Traded Securities held in your Account. Governments, foreign stock exchanges, markets and/or individual securities may impose specific restrictions that prohibit or limit trading by individuals or entities. 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 to grant Schwab a continuing security interest in the assets in your Schwab brokerage account(s), if any, to secure the timely payment of all fees owed by you for the Research Reports as well as any other amounts owing under this Agreement or your other agreements with Schwab. Please call Schwab or visit our website for our current margin requirements. The Charles Schwab Corporation provides a full range of brokerage, banking and financial advisory services through its operating subsidiaries. We may elect to verify the authenticity and content of any payment order by placing a call to any authorized signer on your account and/or any other person you designate as your agent for that purpose. Schwab is required to report adjusted cost basis, including short term and long term gain and loss details, to you and to the IRS for securities transactions in your taxable brokerage account(s). Your provision of such written communication to us may result in termination of your Account, without penalty imposed by Schwab. Upon the termination of the custodianship, the Custodian agrees to provide Schwab, upon request, with the beneficiary's address, phone number and any other information that may assist Schwab in contacting the beneficiary. From time to time, Schwab may perform investment banking or other services for, or solicit such services from, companies mentioned in Information. Closing an account or terminating services will not affect your obligations incurred prior to closure or termination. Schwab reserves the right, but has no obligation, to negotiate different prices or arrangements than those described in aPricing Guideor elsewhere with account holders and with unaffiliated third parties acting as agents for certain account holders. 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. 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. You further agree to be responsible for all costs and commissions related to such liquidations. 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. You agree to reimburse us for any costs, losses, indemnity claims, or damages that we incur in connection with your request to amend or cancel a payment order. Charles Schwab Account Restricted When Trying to Transfer Funds? 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. You agree to notify Schwab if you want any or all of your communications to be mailed separately. In voluntary reorganizations, instructions you give us will only be applied to your whole shares. 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. Longer hold periods may apply to checks drawn on a foreign institution. 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. 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. Risk of News Announcements. For securities that pay cash dividends or that split, unless otherwise instructed, open GTC orders will be adjusted in accordance with stock exchange regulations. Warrants and stock purchase rights typically may be exercised only on or before a specified expiration date; Some convertible redeemable securities will be redeemed automatically unless you exercise your conversion rights before a specified redemption date; Some bonds may be redeemed, at the holder's option, only during specified periods; or. You understand that none of the Information (including Research Reports) available through Schwab's Electronic Services constitutes a recommendation for you or your Account, or solicitation that you should purchase or sell any particular security. A voluntary corporate action will require an election from you before Schwab's cut-off date to indicate if and how you want to participate. This Agreement contains a predispute arbitration clause. Moreover, Schwab cannot guarantee that cancellation requests for any pending orders, placed shortly before trading begins, will be honored. TD Ameritrade was evaluated against 14 other online brokers in the 2022 StockBrokers.com Online Broker Review. Each party shall bear its own initial arbitration costs, which are determined by the rules and regulations of the arbitration forum. We may extend credit to you according to applicable laws and regulations and our Disclosure of Credit Terms and Policies. We are not responsible for, and you agree not to hold us liable for, lost profits, trading losses or other damages resulting from inaccurate, defective or unavailable market data. 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. If the Non-Publicly Traded Security is represented by a physical certificate in Schwab's possession, Schwab will transfer the physical certificate to the participant (if so directed by the Trustee or other applicable fiduciary or agent for the plan) or to the Trustee or other applicable fiduciary or agent of the plan, as applicable. Verify your identity, creditworthiness and other information (and your spouse's if you live in a community-property state). This Agreement, and all future agreements you shall enter into with Schwab, unless otherwise indicated on such other agreement, shall be governed by the law (but not the choice of law doctrines) of the state of California. There is no warranty of any kind, express or implied, regarding the market data. You understand that Schwab does not verify or confirm such valuations and makes no representations that the values are reasonable, are accurate, or reflect your actual holdings. Day Trading can be very risky and is not appropriate for customers with limited resources, limited investment or trading experience, or a low risk tolerance. If we decide that there was no error, we will send you a written explanation. Liquidity refers to the ability of market participants to buy and sell securities. Read More . 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. You further agree to release Schwab from any liability for executing the orders you place using Schwab's Electronic Services. You agree to use the quotes only for your individual use in your business. Charles Schwab is chairman and founder of the brokerage firm that bears his name. 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. Overnight Delivery: Schwab Charitable 1958 Summit Park . You agree that Schwab is not liable for any losses associated with the expiration of rights arising out of or relating to your failure to act or to give instructions to Schwab to act on your behalf. The spread refers to the difference in price between what you can buy a security for and what you can sell it for. No minimum balance or monthly account service fees Easy transfers to your other Schwab bank and brokerage accounts 2 FDIC-insured up to $250,000 per depositor 3 Access to the Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrades or maintenance, or for other reasons. 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. You understand that such order may not be entered if we are unable to contact you to discuss the order. Charles Schwab has been part of America's financial landscape for more than 40 years. 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. Please call Schwab or visit our website for our current margin requirements. Charles Schwab leaves U.S. Chamber of Commerce - CNBC 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. The lender of the securities recalls them; We anticipate an inability to borrow or re-borrow these securities; or, The Bank Sweep and Bank Sweep for Benefit Plans features, each of which automatically makes deposits to and withdrawals from deposit accounts at one or more bankswhose deposits are insured by the FDIC; and, The "Money Fund Sweep" feature automatically invests in and redeems shares of a Schwab, Schwab's proprietary software such as Velocity. We may change this buying agent anytime. If the account is an incorporated organization account, each authorized agent on your account is a TCP. Attn: Document Control Attempting to cancel and replace or change a market order through the Electronic Services can result in the execution of duplicate orders, which ultimately are your responsibility. Other fees and charges can also apply, as set forth in a separate agreement you will enter into and that will become part of this Account Agreement; While Schwab may make available its own proprietary research, or other information, this does not constitute an individualized recommendation that a security or transaction is appropriate for you or your account. You may opt out of future emails about products or services by following instructions in our privacy policy, on our website, or contained in an email that you receive from us. If appropriate, you may also elect to charge the fees to your account. Regular Mail: Schwab Charitable P.O. 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. If an order cannot be canceled or changed, you agree that you are bound by the results of the original order you placed. Clearly Erroneous Policy:Schwab may be subject to the Electronic Market's "clearly erroneous policies." Schwab does not have any obligation to advance redemption proceeds and distributions related to mutual fund shares to your account before we have received them from the mutual fund. You agree that short sale transactions are subject to certain regulatory rules and cannot be executed under certain market conditions. You agree and acknowledge that when you use the Electronic Services, you, or you and an Investment Advisor other than Schwab, if you have one, are responsible for determining the nature, potential value of any particular investment strategy, transaction (including futures transactions) or security (including equities and options). If we hold for you bonds or preferred stock in street name or bearer form that are callable in part, you agree to participate in an impartial lottery allocation system of the called securities, according to the rules of the Financial Industry Regulatory Authority. 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. The firm was rated #1 in the categories "Platforms & Tools" (11 years in a row), "Desktop Trading Platform . This is the case regardless of whether you reside or transact business with Schwab in California or elsewhere, except that arbitration provisions shall be governed by the Federal Arbitration Act.
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