If you place an order to buy or sell a specific dollar amount of a mutual fund, Schwab will calculate the number of shares bought or sold by dividing the dollar amount of the order by the price and rounding to the nearest three decimal places. Different requirements apply to non-equity securities. In the Account Agreement, you granted us a lien on all Securities and Other Property held or maintained for any purpose, including safekeeping, in your Schwab Account or in any other present or future Schwab brokerage account in which you have an interest regardless of whether there are other account holders on any of the accounts. We will direct written communications to the mailing address you provided on your Account Application, or as you otherwise specify. You agree to indemnify and hold Schwab harmless for your failure to remove or transfer a Non-Publicly Traded Security after Schwab has notified you that Schwab is no longer willing to hold the security in the Account. We must hear from you no later than 60 calendar days for Schwab MoneyLinkElectronic Fund Transfers after the date we sent the first statement on which the problem or error appeared. 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. Christopher Spriggs's Phone Number and Email Last Update. You further acknowledge that you have read, understood and agreed to be bound by the terms of: (i)the user license agreement of any Electronic Services-related software; and (ii)the terms of Schwab's brokerage account agreement(s) and any other agreement with Schwab that applies to your account(s), all as currently in effect and amended from time to time. (See "Margin Maintenance Requirements" and "Liens and Liquidation.") 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. This agreement gives you specific legal rights. 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 not to tender restricted/control securities as collateral for an obligation you owe us, unless you first obtain our prior written approval. No compensation or other reimbursements will be due to you in connection with such borrowings. Our short-term redemption policy, including applicable fees and other restrictions, is available atwww.schwab.comand upon request. You further agree to release Schwab from any liability for executing the orders you place using Schwab's Electronic Services. Working closely with Schwab Bank can help you make home lending decisions with confidence. To the extent applicable to your account, the unclaimed property law requires us to turn over to the state of your last known address (as shown in our records) personal property which is unclaimed by its owner for a set period of time. Your AgreementBy using Schwab's Electronic Services, you agree to comply with the terms and conditions of this Agreement. At our discretion, funds represented by the check also may be unavailable for settlement of securities transactions during the hold period. Backup withholding is a tax withholding on specific types of payments for federal tax and state tax purposes. 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. If you fail to choose (or change) your desired cost basis accounting method prior to trade settlement, you may have adverse tax implications. With respect to such assets awaiting investment or deposit: (i)where such assets are received by Schwab on a Business Day and before deposit cutoff time for the local Schwab Investor Center with which the funds are deposited, such interest may be earned by Schwab through the beginning of the following Business Day; (ii)where such assets are received on a day which is not a Business Day, or where such assets are received after the local Schwab Investor Center's deposit cutoff time, such interest may be earned through the beginning of the second following Business Day. Contact Number (***) ***-**** 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. See the "Float Disclosure" section for more information. 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 that you are required to return the full amount of the overpayment or uncollected fee to Schwab, notwithstanding any oral representations made by any Schwab representative to the contrary. Schwab can receive and retain certain benefits (including, but not limited to, interest on collateral posted for such loans) to which you will not be entitled. The daily interest charges are calculated by multiplying your "daily adjusted debit balance" by the "daily margin interest rate." Charles Schwab & Co., Inc. is a member firm of the Financial Industry Regulatory Authority (FINRA). Whether or not you are assigned to an IBL, you may request service at an IBL branch just like any other branch (for example, if you are traveling). Any review performed by Schwab will solely be for its benefit in determining its ability to hold and service the Non-Publicly Traded Security. As a result, you may receive an inferior price when engaging in extended hours trading than you would during regular trading hours. We encourage you to place all orders using the services. Our selection may differ from that indicated in your instructions. When your account is first opened, Schwab will default the cost basis accounting method for open-end mutual funds to the Average Cost Method with the First In, First out (FIFO) Lot Selection Method, and for all other assets (i.e., equities, fixed income, options, etc.) You agree not to enter an order in your Margin and Short Account until you have read and understood the Disclosure of Credit Terms and Policies. It has over 400 branches, primarily in financial centers in the United States . 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. 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. 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. Failure to make a required deposit may result in the liquidation of part or all of the Securities and Other Property in your account. We may also disclose such information to third parties in certain circumstances, including: A Trusted Contact Person ("TCP") is someone at least 18 years of age you tell us we can contact if we suspect you may be subject to financial exploitation or if we have questions about your mental or physical well-being. No Liability for Events Outside of Entities' Direct ControlSchwab, the Information Providers, Information Transmitters, Third-Party Research Providers and any other person involved in transmitting Information will not be liable for any loss that results from a cause over which that entity does not have direct control. For example, we can require additional collateral if an account contains: We also may consider market conditions and your financial resources. You agree that you are responsible for paying for all transactions you make and all authorized transactions in your margin account. You represent that during the course of your evaluation of the Non-Publicly Traded Securities, you have determined such valuations will be accurate and reliable. If, on any given day, the interest that Schwab calculates for your Account in accordance with the foregoing is less than $0.005, you will not earn any interest on that day. Schwab offers a number of account types, service features and benefit packages, each of which is referred to as a "Service" for purposes of your Account Agreement. You also agree to make good delivery of the securities you are selling by settlement day. Some of your collateral is or becomes restricted or non-negotiable or non-marginable. No commission will be charged for these transactions. Boris Koenig on LinkedIn: What can machine learning teach us about Schwab reserves the right to remove from your Account any security that is deemed to have been cancelled or otherwise invalidated. Delivery Instructions - Schwab Brokerage On the same day that the processing is completed, the amount of the distribution will be debited from your Account. Schwab does not promote directly or indirectly what is commonly referred to as "Day Trading." The spread refers to the difference in price between what you can buy a security for and what you can sell it for. 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. Regular Mail: Schwab Charitable P.O. You agree that we may place trading, disbursement, or other restrictions on your Account as Schwab deems necessary in Schwab's sole discretion, including, but not limited to, the following circumstances: (i) pursuant to a court order, levy, garnishment, or other legal process; (ii) at the request of a government agency, regulatory body, or law enforcement authority; (iii) in the event of a dispute regarding the assets in your Account, including a dispute between the registered or beneficial owners of the Account; (iv) in the event of a dispute between or among joint or multiple Account holders including, but not limited to, joint or multiple tenants, trustees, or authorized agents; (v) in the event of a dispute between or among beneficiaries, or a dispute regarding the proper beneficiary(ies) of your Account; (vi) pursuant to escheatment laws, rules, or regulations; or (vii) as a result of trading or trade-related violations, which may limit your ability to place trades in your Account, such as a cash-up-front restriction. 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. I'm having the same issue. You further agree to be responsible for all costs and commissions related to such liquidations. We may process check images electronically or convert them into paper substitute checks based on the information your advisor provides. The value of securities held short in your account is "marked to the market" each day. You agree that any such Schwab recommendation will remain in effect only for as long as we tell you that it will remain in effect at the time we make the recommendation; Unless we otherwise agree with you in writing, Schwab does not monitor your account(s) or investments and has no obligation to update any investment recommendation, financial advice, or financial plan we may give you. 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. You agree to pay our commissions and transaction, processing, custody and other fees, and/or those of the entity to which your non-standard security is delivered, as they exist from time to time and apply to the transactions and services you receive in connection with these securities paid to you by the fund. All transactions in the Margin and Short Account are subject to our Disclosure of Credit Terms and Policies. You may change or remove your TCP at any time by contacting Schwab by phone, in writing, or through our website in the manner we designate. You may obtain immediate information by calling our toll-free number. 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 you are or become a director, 10% beneficial shareholder, policy-making officer or otherwise an "affiliate" (as defined in Rule 144 under the Securities Act of 1933) of a publicly traded company; or, If you are or become affiliated with or employed by a securities exchange, or corporation controlled by a securities exchange, or a member of a securities exchange or a securities association; or. Schwab Stock Slices offer access to. A TCP is a source of information for Schwab and is not a power of attorney. Charles Schwab - Forbes The Custodian instructs Schwab, without further notice or instruction from the Custodian, to register the Account into the beneficiary's name as soon as commercially practicable after the termination of the custodianship. 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. You have the right to liquidate fractional shares anytime, regardless of whether or not a call has been announced. Schwab can also charge a transaction fee for certain mutual fund transactions; you would not incur this fee if you purchased shares directly from a fund company. 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 you furnish quotes to your customers and clients who are not on your premises, you may do so solely: (i)in written advertisements, educational material, sales literature or similar written communications, or (ii)during telephonic voice communication not entailing the use of computerized voice synthesization or similar technology. The Schwab OneInterest feature pays you interest on cash awaiting investment. 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. Go to www.schwab.com and log in to your account. Timing of purchases is subject to our discretion. For more complete information about a SchwabSweep Money Fund, including charges and expenses, read the fund's prospectus carefully. We have no control over the intermediary or receiving bank's fee structure. However, even when deposited funds are not available for withdrawal, you will receive interest or dividends on these held funds according to the Income on Free Credit Balances section in this document. By placing a trade order through the Electronic Services, you voluntarily agree to assume any added risk that may result from the lack of human review of your order in exchange for the reduced commissions and potentially greater convenience of electronic trading.