Fillable Add Schwab Bank High Yield Investor Checking to (Charles Schwab)

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Add Schwab Bank High Yield Investor Checking to (Charles Schwab)

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©2019 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
©2019 Charles Schwab Bank. All rights reserved. Member FDIC. Equal Housing Lender.
CC2512134 (0219-8N4J)
APP32394-12 (05/19)
*APP32394-12=01*
Note: For Trust accounts, please use the Add Schwab Bank High Yield Investor Checking to Your Schwab One Brokerage Trust Account form.
Investment Advisor (“IA”) Information (This portion to be completed by IA.)
IA Firm Name (Please print.): _________________________________________________________________________________________________________
IA Master Account Number: ___________________________________________________________________ Service Team: ________________________
IA Contact Information (if follow-up is required): ________________________________________________________________________________________
SchwabLink® Investor Checking Master:* ______________________________________________________________________________________________
*If you do not have a SchwabLink Master for your Schwab Bank High Yield Investor Checking account(s), please contact your sales representative to
get one established.
• Use this application to establish a Schwab Bank High Yield Investor Checking (“High Yield Investor Checking”) account with Charles Schwab Bank
(“Schwab Bank”) and link it to your existing Schwab One Brokerage (“Brokerage”) account held at Charles Schwab & Co., Inc. (“Schwab”). All account
holders must be either U.S. citizens or U.S. resident aliens, and must also reside in the U.S. or one of its territories and provide a U.S. mailing address.
• If your account is a general brokerage account, you will rst need to update the account to a Schwab One Brokerage account. Please contact us if you
are not sure about your account type.
• Once your High Yield Investor Checking account is opened, you will receive Visa® Platinum Debit Card(s) from Schwab Bank. Personalized checks will
be sent once your High Yield Investor Checking account is funded.
• Important note about Power of Attorney (POA): If you have appointed a POA on your existing Brokerage account, contact Schwab for the required forms
to apply your POA to your linked High Yield Investor Checking account. Your High Yield Investor Checking account cannot be established until Schwab
receives this paperwork.
• If you have a Designated Beneciary Plan on your Schwab One Brokerage account, the same beneciaries will be added to your High Yield Investor
Checking account. (Please read the Terms and Conditions for Designated Beneciary Plan section of the Schwab Bank High Yield Investor Checking
Account Application Agreement for Schwab Clients at the back of this application for more details.)
1. Existing Account Number (For Existing Account Holders Only)
The registration of your High Yield Investor Checking account will be the same as the registration for your Brokerage account to which it is linked. Only
the following account registrations are eligible for High Yield Investor Checking: Individual, Joint Tenants with Right of Survivorship, Tenants in Common
and Community Property. (Trust accounts cannot be opened using this form. Please call us for the correct form.)
Schwab One Brokerage
Account Number
Page 1 of 9
Charles Schwab & Co., Inc. and Charles Schwab Bank are separate but afliated companies and subsidiaries of The Charles Schwab Corporation.
Brokerage products are offered by Charles Schwab & Co., Inc., member SIPC. Deposit and lending products and services are offered by Charles Schwab
Bank, member FDIC and an Equal Housing Lender.
Add Schwab Bank High Yield Investor Checking
®
to Your Schwab One
®
Brokerage Account
Brokerage Products: Not FDIC-Insured • No Bank Guarantee • May Lose Value
ST
CLEAR
PRINT
*APP32394-12=02*
©2019 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
©2019 Charles Schwab Bank. All rights reserved. Member FDIC. Equal Housing Lender.
CC2512134 (0219-8N4J)
APP32394-12 (05/19)
Page 2 of 9
2. Existing Account Holder Information (Required)
The information provided in this section will be used by Schwab to update your account information for your linked Brokerage account and by Schwab
Bank to open and service your account. Your email subscriptions to brokerage services will not be changed.
Primary Account Holder
Name (First) (Middle) (Last)
Home/Legal Street Address (no P.O. boxes) City State Zip Code
Mailing Address (if different from above; P.O. boxes may be used) City State Zip Code
Social Security/Tax ID Number Date of Birth (mm/dd/yyyy) Are you known by any other name? Specify:
Home Telephone Number Business Telephone Number Cellular Telephone Number Email Address*
Country(ies) of Citizenship (Must list all.)
USA Other:____________________________ Other: ___________________________
Country of Legal Residence
USA Other: _________________________________________
ID Number
_______________________________
Passport U.S. Driver’s License U.S. Gov’t Issued ID
State/Country of Issuance Issue Date (mm/dd/yyyy) Expiration Date (mm/dd/yyyy)
Employment Status (Select only one.)
Employed Self-Employed Retired Homemaker Student Not Employed
Employer Name/Business Name
Occupation (If you selected “Employed” or “Self-Employed,” select one option that best describes your occupation.)
Business Owner/Self-Employed Financial Services/Banking Professional Military Consultant
Executive/Senior Management Information Technology Professional Educator Other (specify): _____________________________
Medical Professional Other Professional Clerical/Administrative Services
Legal Professional U.S. Government Employee (Federal/State/Local) Trade/Service (Labor/Manufacturing/Production)
Accounting Professional Foreign Government Employee (Non-U.S.) Sales/Marketing
Business Street Address City State Zip Code
* By providing your email address, you are consenting to receive email from Schwab and Schwab Bank. Information about opting out of certain email
communications is provided at www.schwab.com/privacy.
The Next Two Questions Are Required by Industry Regulations:
Are you afliated with or employed by a stock exchange or member rm of an exchange or FINRA, or a municipal securities broker-dealer?
No Yes (If “yes,” you must attach a letter from your employer or afliated broker-dealer approving the establishment of your account when submitting this application.
List the company name ___________________________________________________________________.)
Are you a director, 10% shareholder or policy-making ofcer of a publicly held company?
No Yes (If “yes,” enter company name _______________________________________________________________________________ and trading symbol ______________________.)
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*APP32394-12=03*
©2019 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
©2019 Charles Schwab Bank. All rights reserved. Member FDIC. Equal Housing Lender.
CC2512134 (0219-8N4J)
APP32394-12 (05/19)
Page 3 of 9
Trusted Contact Designation
A Trusted Contact Person (“Trusted Contact”)* is a resource Schwab, and your advisor (if you have one), may contact on your behalf, if necessary, to
attempt to address concerns regarding potential nancial exploitation, or in communicating with you regarding issues related to your account(s). A
Trusted Contact will not be able to view your account information, execute transactions in your account(s), or inquire about account activity, unless that
person has that authority through another role on the account(s), such as a trustee or power of attorney. Providing Schwab with Trusted Contact
information is voluntary. We encourage you to provide two Trusted Contacts in the event that one is not reachable in the future.
• Schwab suggests that your Trusted Contact(s) be someone other than your nancial consultant or investment advisor.
• You may name up to two Trusted Contacts.
• The person(s) you name as Trusted Contact(s) will be the Trusted Contact(s) on all of your Schwab accounts, as provided for in your account agreement.
• For multiple-party accounts, each party can name separate Trusted Contacts.
• The Trusted Contact(s) must be at least 18 years old.
Trusted Contact Information
Trusted Contact information provided on this form will replace all Trusted Contact information currently on le.
Person 1
If you have no changes to your existing Trusted Contact, please skip this section.
Name (Title, First) (Middle Name) (Last Name, Sufx)
Relationship (Please select only one.)
Spouse Partner Child Parent Sibling Friend Other
Please provide at least one method of contact for each Trusted Contact listed.
Mailing Address (No P.O. Boxes) City
State or Province Country Postal or Zip Code
Home Phone Mobile Phone Email Address
Person 2
If you have no changes to your existing Trusted Contact, please skip this section.
Name (Title, First) (Middle Name) (Last Name, Sufx)
Relationship (Please select only one.)
Spouse Partner Child Parent Sibling Friend Other
Please provide at least one method of contact for each Trusted Contact listed.
Mailing Address (No P.O. Boxes) City
State or Province Country Postal or Zip Code
Home Phone Mobile Phone Email Address
* If you provide a Trusted Contact Person(s) to Schwab, you understand that you have authorized Schwab and your advisor (if you have one) to contact
the Trusted Contact Person(s) at their discretion and to disclose information about your account to address possible activities that might indicate finan-
cial exploitation of you; to confirm the specifics of your current contact information, health status (including physical or mental capacity), 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 FINRA rules or state law. For
more information, please see your Schwab Account Agreement, which is available at schwab.com/accountagreement.
2. Existing Account Holder Information (Required) (Continued)
Primary Account Holder (Continued)
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*APP32394-12=04*
©2019 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
©2019 Charles Schwab Bank. All rights reserved. Member FDIC. Equal Housing Lender.
CC2512134 (0219-8N4J)
APP32394-12 (05/19)
Page 4 of 9
Additional Account Holder (if applicable)
Name (First) (Middle) (Last)
Home/Legal Street Address (no P.O. boxes) City State Zip Code
Mailing Address (if different from above; P.O. boxes may be used) City State Zip Code
Social Security/Tax ID Number Date of Birth (mm/dd/yyyy) Are you known by any other name? Specify:
Home Telephone Number Business Telephone Number Cellular Telephone Number Email Address*
Country(ies) of Citizenship (Must list all.)
USA Other:____________________________ Other: ___________________________
Country of Legal Residence
USA Other: _________________________________________
ID Number
_______________________________
Passport U.S. Driver’s License U.S. Gov’t Issued ID
State/Country of Issuance Issue Date (mm/dd/yyyy) Expiration Date (mm/dd/yyyy)
Employment Status (Select only one.)
Employed Self-Employed Retired Homemaker Student Not Employed
Employer Name/Business Name
Occupation (If you selected “Employed” or “Self-Employed,” select one option that best describes your occupation.)
Business Owner/Self-Employed Financial Services/Banking Professional Military Consultant
Executive/Senior Management Information Technology Professional Educator Other (specify): _____________________________
Medical Professional Other Professional Clerical/Administrative Services
Legal Professional U.S. Government Employee (Federal/State/Local) Trade/Service (Labor/Manufacturing/Production)
Accounting Professional Foreign Government Employee (Non-U.S.) Sales/Marketing
Business Street Address City State Zip Code
* By providing your email address, you are consenting to receive email from Schwab and Schwab Bank. Information about opting out of certain email
communications is provided at www.schwab.com/privacy.
The Next Two Questions Are Required by Industry Regulations:
Are you afliated with or employed by a stock exchange or member rm of an exchange or FINRA, or a municipal securities broker-dealer?
No Yes (If “yes,” you must attach a letter from your employer or afliated broker-dealer approving the establishment of your account when submitting this application.
List the company name ___________________________________________________________________.)
Are you a director, 10% shareholder or policy-making ofcer of a publicly held company?
No Yes (If “yes,” enter company name _______________________________________________________________________________ and trading symbol ______________________.)
2. Existing Account Holder Information (Required) (Continued)
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*APP32394-12=05*
©2019 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
©2019 Charles Schwab Bank. All rights reserved. Member FDIC. Equal Housing Lender.
CC2512134 (0219-8N4J)
APP32394-12 (05/19)
Page 5 of 9
Trusted Contact Designation
A Trusted Contact Person (“Trusted Contact”)* is a resource Schwab, and your advisor (if you have one), may contact on your behalf, if necessary, to
attempt to address concerns regarding potential nancial exploitation, or in communicating with you regarding issues related to your account(s). A
Trusted Contact will not be able to view your account information, execute transactions in your account(s), or inquire about account activity, unless that
person has that authority through another role on the account(s), such as a trustee or power of attorney. Providing Schwab with Trusted Contact
information is voluntary. We encourage you to provide two Trusted Contacts in the event that one is not reachable in the future.
• Schwab suggests that your Trusted Contact(s) be someone other than your nancial consultant or investment advisor.
• You may name up to two Trusted Contacts.
• The person(s) you name as Trusted Contact(s) will be the Trusted Contact(s) on all of your Schwab accounts, as provided for in your account agreement.
• For multiple-party accounts, each party can name separate Trusted Contacts.
• The Trusted Contact(s) must be at least 18 years old.
Trusted Contact Information
Trusted Contact information provided on this form will replace all Trusted Contact information currently on le.
Person 1
If you have no changes to your existing Trusted Contact, please skip this section.
Name (Title, First) (Middle Name) (Last Name, Sufx)
Relationship (Please select only one.)
Spouse Partner Child Parent Sibling Friend Other
Please provide at least one method of contact for each Trusted Contact listed.
Mailing Address (No P.O. Boxes) City
State or Province Country Postal or Zip Code
Home Phone Mobile Phone Email Address
Person 2
If you have no changes to your existing Trusted Contact, please skip this section.
Name (Title, First) (Middle Name) (Last Name, Sufx)
Relationship (Please select only one.)
Spouse Partner Child Parent Sibling Friend Other
Please provide at least one method of contact for each Trusted Contact listed.
Mailing Address (No P.O. Boxes) City
State or Province Country Postal or Zip Code
Home Phone Mobile Phone Email Address
* If you provide a Trusted Contact Person(s) to Schwab, you understand that you have authorized Schwab and your advisor (if you have one) to contact
the Trusted Contact Person(s) at their discretion and to disclose information about your account to address possible activities that might indicate finan-
cial exploitation of you; to confirm the specifics of your current contact information, health status (including physical or mental capacity), 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 FINRA rules or state law. For
more information, please see your Schwab Account Agreement, which is available at schwab.com/accountagreement.
2. Existing Account Holder Information (Required) (Continued)
Additional Account Holder (Continued)
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*APP32394-12=06*
©2019 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
©2019 Charles Schwab Bank. All rights reserved. Member FDIC. Equal Housing Lender.
CC2512134 (0219-8N4J)
APP32394-12 (05/19)
Page 6 of 9
3. Required Information About the Account
Source of Funds (Please select all that apply.)
In this section, we’re collecting information about the categories (“sources”) of assets that will be held in your account. Please select all of the sources
of the assets that will be deposited or held in your account, including the original sources of any assets that will be transferred into the account from
another rm.
Salary/Wages/Savings Investment Capital Gains
Social Security Benefits Gifts
Sale of Property or Business Gambling/Lottery
Family/Relatives/Inheritance Other (please specify): ______________________________________
Purpose of Account (Please select all that apply.)
General/Personal Expenses
  Educational Expenses
General/Personal Savings
Large Asset Purchase (Home, Car, etc.)
Other (please specify): ______________________________________
4. Schwab One® Brokerage Features
Schwab’s Cash Features Program
The current cash feature on your Brokerage account will remain the same.
Payment Features
If you have existing payment features (checks, debit cards, Schwab BillPay®) on your Brokerage account, they will become inactive after your High Yield
Investor Checking account is opened. Debit cards will be deactivated 30 days from account opening. Checks and Schwab BillPay will be deactivated 90
days from account opening.
5. Schwab Bank High Yield Investor Checking® Features
Schwab Bank Bill Pay™
This online electronic bill payment feature is provided unless you check the box below. The feature is provided at no additional charge and will be
activated after you fund your account.
Do NOT add electronic bill payment.
Overdraft Protection
This feature automatically transfers funds from your linked Brokerage account, up to your Authorization Limit, including Available Margin Loan Value,
to your High Yield Investor Checking account in order to provide you with coverage against insufcient funds. To discontinue this feature or to select
another overdraft protection source, please contact a Schwab representative after your account is open.*
*Overdraft protection using margin sources may create a margin loan in your Brokerage account that may be subject to daily interest charges, margin
calls or potential liquidation of securities. Refer to the Schwab Bank Deposit Account Agreement and your Schwab One Account Agreement for details.
Anticipated Activity
On average, how many times per month do you anticipate making deposits, withdrawals, and/or transfers? (Please select only one.)
Less than 15 times per month
15 to 30 times per month
31 to 45 times per month
More than 45 times per month
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*APP32394-12=07*
©2019 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
©2019 Charles Schwab Bank. All rights reserved. Member FDIC. Equal Housing Lender.
CC2512134 (0219-8N4J)
APP32394-12 (05/19)
Page 7 of 9
6. Fund Your Schwab Bank High Yield Investor Checking® Account (Select one.)
Schwab Bank Bill Pay™ will be activated and checks will be sent after you fund your High Yield Investor Checking account. A Visa® Platinum Debit Card
will be sent upon account opening.
Make a one-time electronic funds transfer (“ACH Transfer”) of $_____________________ (maximum $100,000) from your checking or savings account
at another nancial institution. Owners of the account at the other nancial institution must match the owners of your High Yield Investor Checking
account. Be sure to attach an original, preprinted, voided check or preprinted savings account deposit slip if you select this option.
Make a one-time transfer of $_____________________ from your linked Brokerage account.
Make a check or money order payable to yourself and send it to Charles Schwab Bank at one of the locations shown on page 9.
7. Authorizations for Investment Advisor Access to Your High Yield Investor Checking Account (Please review and initial below.)
The authorization(s) you provided on your Schwab One® Brokerage account application must match the corresponding authorization(s) on your linked
High Yield Investor Checking account. Below is a list of authorizations that will be granted to your IA. IA authorizations may be revoked by providing
notice to Schwab Bank. Schwab Bank may require that such notice be provided in writing. If you do not want your IA to have any of the authorizations
described below, please contact Schwab Alliance at 1-800-515-2157.
Each account holder must initial to facilitate adding Schwab Bank High Yield Investor Checking to your Schwab One Brokerage account. (An “X” is not
sufcient.)
Your IA will be able to view account information, balances and transactions on your High
Yield Investor Checking account.
If your IA has Disbursement Authority on your Schwab One Brokerage account, you have
authorized your IA to take the following actions, and you instruct Schwab to permit your
IA to (1)remit checks to you at your address of record; and (2)journal cash to the linked
Schwab brokerage account on which you are named account holder (known as a rst-party
transfer). This disbursement authorization does not apply to wire disbursements or
ACH/EFT transfers, which use separate forms. Note: Any standing letter of instructions
set up on your Schwab Brokerage account (for transactions that do not meet the above
criteria) will not apply to your High Yield Investor Checking account.
Account Holder Add’l Account Holder Add’l Account Holder
8. Schwab Bank High Yield Investor Checking Account Terms
These account terms are an agreement between
Charles Schwab Bank (the “Bank”) and each
account holder for a High Yield Investor Checking
account. “I,” “me” and “my” refer to each account
holder. All account holders are required to sign.
By signing, I:
(1) certify that I am of the age of majority in
the state in which I live, that I am legally
authorized to enter into this agreement and
that the personal information provided in
this application, and during the application
process, is true and correct;
(2) acknowledge that the Bank will provide me
with the following documents either before
account opening or before a service is
provided: (a)the Schwab Bank Deposit
Account Agreement, which contains an
arbitration provision and the Terms and
Conditions for the Schwab Bank Bill Pay
service; (b)Schwab Bank’s Facts: What Does
the Charles Schwab Corporation Do With Your
Personal Information?; (c)Important Privacy
Choice for Consumers, for California residents
only; and (d)the Schwab Bank Deposit
Account Pricing Guide;
(3) acknowledge that if my application is
approved, that once the account is opened,
each account holder will receive a Visa®
Platinum Debit Card and the Visa Debit Card
Agreement, which contains the terms and
conditions that apply to the card;
(4) acknowledge that, unless I specically
elected otherwise, I will be enrolled in the
Schwab Bank Bill Pay service;
(5) agree that my High Yield Investor Checking
account will be governed by the Schwab Bank
Deposit Account Agreement, the terms and
conditions of which are hereby incorporated
by reference, and that the Bank advises me
to read all documents and disclosures the
Bank provides to me prior to opening or using
my account;
(6) acknowledge that my High Yield Investor
Checking account is linked with my Schwab
One Brokerage account maintained at
Charles Schwab & Co., Inc., a registered
broker-dealer, and I authorize Charles
Schwab & Co., Inc. to follow the instructions
set forth in this application, if applicable;
(7) authorize the Bank to initiate, either
electronically or by another commercially
accepted method, a one-time debit entry
(or credit entry in case of error) to the
institution and account specied by my
attached voided check or savings account
deposit slip to initially fund my High Yield
Investor Checking account; I certify that the
information provided on the voided check or
savings account deposit slip is correct and
that I am authorized to transfer funds from
the specied account; I also understand that
the owners listed on the specied account
that will be debited must match the owners
of my High Yield Investor Checking account;
(8) authorize the Bank to inquire from any
source, including a consumer reporting
agency, as to my identity (as required by
federal law), creditworthiness and ongoing
eligibility for the account and other information
at account opening, at any time throughout
the life of the account, and thereafter for debt
collection or investigative purposes;
(9) understand if no activity occurs in the
account within the time period specied by
applicable state law, the funds on deposit in
the account may be transferred to the
appropriate state;
Investment Advisor Authorizations
(10) authorize the Investment Advisor (IA) named
on the Application to exercise the authorities
described in Section 7 of the Application and
authorize Schwab Bank to take such actions
as Schwab Bank deems necessary to carry
out instructions Schwab Bank receives from
me and/or my IA; I further authorize Schwab
Bank, in its sole discretion and for whatever
reason, to request additional documentation
from me or my IA prior to executing any
transaction requested by me or my IA;
ST
*APP32394-12=08*
©2019 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
©2019 Charles Schwab Bank. All rights reserved. Member FDIC. Equal Housing Lender.
CC2512134 (0219-8N4J)
APP32394-12 (05/19)
(11) acknowledge and agree that:
• Schwab Bank will merely effect transactions
as directed by my IA Disbursement
authority;
• Schwab Bank will not give legal or tax
advice;
• Schwab Bank is not acting as a duciary;
• I (and not Schwab Bank) am responsible for
investigating and selecting my IA;
• my IA is not afliated with or controlled or
employed by Schwab Bank, and Schwab
Bank has not approved, recommended or
endorsed my IA;
• unless required by applicable law, Schwab
Bank has no duty to review, supervise or
monitor any transaction by my IA in my High
Yield Investor Checking account; and
• Schwab Bank reserves the right, in its sole
discretion, to no longer honor instructions
from my IA and will notify me if it chooses to
do so;
(12) hereby ratify and conrm any and all
transactions or dealings effected in and for
my High Yield Investor Checking account by
my IA, and I agree to indemnify and hold
harmless Schwab Bank, its afliates and
their directors, ofcers, employees and
agents from and against all claims, actions,
judgments, settlement amounts, costs and
liabilities, including attorneys’ fees, arising
out of or relating to their reliance on this
Account Application Agreement, Schwab
Bank’s execution of my IA’s instructions and
Schwab Bank’s execution of disbursement
instructions received from my IA Disburse-
ment authority;
(13) agree to indemnify and hold Schwab Bank
harmless from, and to pay Schwab Bank
promptly upon demand for, any and all losses
or nancial obligations which may arise from
the acts or omissions of my IA with respect to
my High Yield Investor Checking account.
I also agree that Schwab Bank will not be
liable and I will not attempt to hold Schwab
Bank liable for any transaction or decision
made by my IA whom I have selected,
regardless of whether or not any such
transaction or decision was specically
authorized by me;
(14) understand that this authorization and
indem nication will remain in effect until
Schwab Bank is notied in writing of my death,
mental disability, incompetence or incapacity,
or until I have revoked it by written notication
and such notication is received by Schwab
Bank; such revocation will not affect my
obligations resulting from transactions
initiated prior to Schwab Bank’s receipt of
notice of revocation;
(15) understand that this Application supplements
and in no way limits or restricts rights which
Schwab Bank may have under existing law or
any other agreement with me. This Application
will bind my heirs, executors, administrators,
successors and assigns, and will benet
Schwab Bank’s successors, afliates and
assigns;
(16) certify that I have read carefully the provisions
of this Application and understand that it
authorizes my IA, herein named, to exercise
all rights and powers set forth above with
respect to my High Yield Investor Checking
account, and I understand that anything my IA
may do in the exercise of such rights and
powers is fully binding upon me; I hereby
authorize the IA named in this Application and
in such capacity to give instructions to
Schwab Bank in connection with my High Yield
Investor Checking account specied on the
Application, and to take other actions
necessary or incidental to the execution of
such instructions. I understand that this is not
a Durable Power of Attorney and that all
authority granted to my IA shall cease
automatically upon Schwab Bank receiving
written notication from a licensed physician
of my mental disability, incompetence,
incapacity or death;
(17) have authorized my IA to take the following
actions (if I have granted Disbursement
Authorization to my IA on my linked Schwab
One® Brokerage Account Application), and I
instruct Schwab to permit my IA to (1)remit
checks to me at my address of record; and
(2)journal cash to the linked Schwab
brokerage account on which I am named
account holder (known as a rst-party
transfer). This disbursement authorization does
not apply to wire disbursements or ACH/EFT
transfers, which use separate forms. I
understand that by making this authorization,
Schwab Bank may require me and/or my IA to
sign additional documentation in order to
provide these types of service requests and
that Schwab Bank may comply with my and/or
my IA’s request only if it is systematically and
operationally permitted. In addition, I
understand that I may not be contacted
regarding each withdrawal, funds transfer
request or other service request, as agreed to
in the Schwab Bank security procedures or
other related customer authentication
procedures, when my IA or Other Authorized
Signer makes funds transfer requests based
on this authorization. In addition, if I have
provided Trading Authority or Fee Payment
Authority on my linked Schwab One Brokerage
account, my IA may view account information,
balances and transactions on my High Yield
Investor Checking account; and
Terms and Conditions for Designated
Beneficiary Plan
(18) understand that if I have a Schwab Desig-
nated Beneciary Plan (“Plan”) on le with
Charles Schwab & Co., Inc., the terms of
that Plan will carry forward to my High Yield
Investor Checking account and that the
following additional provisions apply:
• only High Yield Investor Checking accounts
with Individual or Joint Tenants with Rights
of Survivorship registrations are eligible
(other registration types are ineligible);
• during my lifetime, this account belongs
to me; I may close the account, remove
or add a beneciary, change the account
type or account ownership, and withdraw
all or part of the account balance; any
designation, revocation or changes to a
beneciary designation must be authorized
by all surviving account owners;
• upon the death of the owner or, if there are
co-owners, the last surviving co-owner, any
funds remaining in the High Yield Investor
Checking account belong to the then-
surviving (if any) beneciary(ies), subject to
Schwab Bank’s right to charge the account
for any amount the deceased owner,
co-owner or beneciary owes Schwab Bank;
a beneciary will acquire an interest in my
High Yield Investor Checking account only
after the death of all account owners and
then only if the beneciary(ies) is/are alive;
upon my death, the funds in my High Yield
Investor Checking account listed on this
Application will become the property of, and
payable to, the beneciary(ies) listed on the
Plan application who survive the last
surviving account holder by 120 hours. If it
cannot be determined whether a beneciary
survived the account holder by 120 hours,
the beneciary will be deemed not to have
survived that period; I understand that
surviving account owners may change the
beneciary(ies) at any time;
• if there is an Overdraft Credit Line (OCL)
associated with my High Yield Investor
Checking account, Schwab Bank may
use the funds in my High Yield Investor
Checking account (or other accounts I hold
at Schwab Bank) to pay all amounts owing
on my OCL before distributing any funds to
the beneciary(ies);
• Schwab Bank shall incur no liability for any
payment made in good faith under this
Plan; I, on behalf of myself, my estate and
my successors-in-interest, including those
receiving payment as designated benecia-
ries, agree to indemnify and hold harmless
Schwab Bank, its afliates and their
directors, ofcers, employees and agents
from and against all claims, actions, costs
and liabilities, including attorneys’ fees,
arising out of or relating to:
– my failure to notify Schwab Bank of a
change in primary residence that may
cause the Plan not to be applicable at
the time of any account holder’s death;
– any conicting designations of the
assets in my High Yield Investor
Checking account by will, Revocable
Living Trust or any other instrument;
– any written change of designated
beneciaries that I have made that is not
received by Schwab Bank during my
lifetime; and
– any other claims or disputes not due to
the fault or negligence of Schwab Bank.
Page 8 of 9
8. Schwab Bank High Yield Investor Checking® Account Terms (Continued)
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*APP32394-12=09*
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CC2512134 (0219-8N4J)
APP32394-12 (05/19)
We respect your privacy. Schwab Bank will use the personal identication and account information provided in this application and that you previously
provided to Schwab to open and service your account(s), communicate with you, and provide information about products and services. Schwab Bank
does not consider your marital status when processing your High Yield Investor Checking account application. For more information on privacy policies,
read about our privacy policy in Schwab Bank’s Facts: What Does the Charles Schwab Corporation Do With Your Personal Information? booklet. As required
by federal law, we will use the information you provide to Schwab to verify your identity.
I certify, under penalty of perjury, that (1)the number shown on this Application is the correct Taxpayer Identication Number; (2)I am not subject to
backup withholding due to a failure to report interest and dividend income; (3)I am a U.S. person (a U.S. citizen or U.S. resident alien); and (4)I am
exempt from Foreign Account Tax Compliance Act (FATCA) reporting. I understand that if I have been notied by the IRS that I am subject to backup
withholding as a result of dividend or interest underreporting and I have not received a notice from the IRS advising me that backup withholding is
terminated, I must cross out item 2 above.
The Internal Revenue Service does not require your consent to any provision of this document other than the certications required to avoid
backup withholding.
Signature(s) and Date(s) Required
X
Account Holder Signature Print Name Date
X
Additional Account Holder Signature Print Name Date
Please send pages 1–9 of this form to Charles Schwab Bank, Attn: Document Control, P.O. Box 982605, El Paso, TX 79998-2605 or P.O. Box 628291,
Orlando, FL 32862-8291.
If you’d like to send your form via overnight delivery, send it to Charles Schwab Bank, Attn: Document Control, 1945 Northwestern Drive, El Paso, TX
79912 or 1958 Summit Park Drive, Suite 200, Orlando, FL 32810.
If you are funding your account with a check or money order, please include it with your form.
Page 9 of 9
8. Schwab Bank High Yield Investor Checking® Account Terms (Continued)
FOR CHARLES SCHWAB BANK USE ONLY:
Schwab Bank High Yield Investor
Checking Account Number
ST
PRINT
©2019 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
©2019 Charles Schwab Bank. All rights reserved. Member FDIC. Equal Housing Lender.
CC2512134 (0219-8N4J) APP32394-12 (05/19)
These terms relate to your account and are part of the Schwab Bank Deposit Account Agreement between each account holder and Charles Schwab Bank
(“Schwab Bank”). Please read and retain for your les.
Schwab Bank High Yield Investor Checking Account Terms
Schwab Bank High Yield Investor Checking
®
Account
Application Agreement and Linking Authorization
Page 1 of 2
These account terms are an agreement between
Charles Schwab Bank (the “Bank”) and each
account holder for a High Yield Investor
Checking account. “I,” “me” and “my” refer to
each account holder. I:
(1) certify that I am of the age of majority in the
state in which I live, that I am legally
authorized to enter into this agreement and
that the personal information provided in this
application, and during the application
process, is true and correct;
(2) acknowledge that the Bank will provide me
with the following documents either before
account opening or before a service is
provided: (a)the Schwab Bank Deposit
Account Agreement, which contains an
arbitration provision and the Terms and
Conditions for the Schwab Bank Bill Pay
service; (b)Schwab Bank’s Facts: What Does
the Charles Schwab Corporation Do With Your
Personal Information?; (c)Important Privacy
Choice for Consumers, for California residents
only;
and (d)the Schwab Bank Deposit Account
Pricing Guide;
(3) acknowledge that if my application is
approved, that once the account is opened,
each account holder will receive a Visa®
Platinum Debit Card and the Visa Debit Card
Agreement, which contains the terms and
conditions that apply to the card;
(4) acknowledge that, unless I specically
elected otherwise, I will be enrolled in the
Schwab Bank Bill Pay service;
(5) agree that my High Yield Investor Checking
account will be governed by the Schwab Bank
Deposit Account Agreement, the terms and
conditions of which are hereby incorporated
by reference, and that the Bank advises me
to read all documents and disclosures the
Bank provides to me prior to opening or
using my account;
(6) acknowledge that my High Yield Investor
Checking account is linked with my Schwab
One® Brokerage account maintained at
Charles Schwab & Co., Inc., a registered
broker-dealer, and I authorize Charles
Schwab & Co., Inc. to follow the instructions
set forth in this application, if applicable;
(7) authorize the Bank to initiate, either
electronically or by another commercially
accepted method, a one-time debit entry (or
credit entry in case of error) to the institution
and account specied by my attached voided
check or savings account deposit slip to
initially fund my High Yield Investor Checking
account; I certify that the information
provided on the voided check or savings
account deposit slip is correct and that I am
authorized to transfer funds from the
specied account; I also understand that the
owners listed on the specied account that
will be debited must match the owners of my
High Yield Investor Checking account;
(8) authorize the Bank to inquire from any
source, including a consumer reporting
agency, as to my identity (as required by
federal law), creditworthiness and ongoing
eligibility for the account and other information
at account opening, at any time throughout
the life of the account, and thereafter for
debt collection or investigative purposes; and
(9) understand if no activity occurs in the
account within the time period specied by
applicable state law, the funds on deposit in
the account may be transferred to the
appropriate state.
Investment Advisor Authorizations
(10) authorize the Investment Advisor (IA) named
on the Application to exercise the authorities
described in Section 7 of the Application and
authorize Schwab Bank to take such actions
as Schwab Bank deems necessary to carry
out instructions Schwab Bank receives from
me and/or my IA; I further authorize Schwab
Bank, in its sole discretion and for whatever
reason, to request additional documentation
from me or my IA prior to executing any
transaction requested by me or my IA;
(11) acknowledge and agree that:
• Schwab Bank will merely effect transactions
as directed by my IA Disbursement
authority;
• Schwab Bank will not give legal or tax
advice;
• Schwab Bank is not acting as a duciary;
• I (and not Schwab Bank) am responsible for
investigating and selecting my IA;
• my IA is not afliated with or controlled or
employed by Schwab Bank, and Schwab
Bank has not approved, recommended or
endorsed my IA;
• unless required by applicable law, Schwab
Bank has no duty to review, supervise or
monitor any transaction by my IA in my High
Yield Investor Checking account; and
• Schwab Bank reserves the right, in its sole
discretion, to no longer honor instructions
from my IA and will notify me if it chooses
to do so;
(12) hereby ratify and conrm any and all
transactions or dealings effected in and for
my High Yield Investor Checking account by
my IA, and I agree to indemnify and hold
harmless Schwab Bank, its afliates and
their directors, ofcers, employees and
agents from and against all claims, actions,
judgments, settlement amounts, costs and
liabilities, including attorneys’ fees, arising
out of or relating to their reliance on this
Account Application Agreement, Schwab
Bank’s execution of my IA’s instructions and
Schwab Bank’s execution of disbursement
instructions received from my IA
Disbursement authority;
(13) agree to indemnify and hold Schwab Bank
harmless from, and to pay Schwab Bank
promptly upon demand for, any and all losses
or nancial obligations which may arise from
the acts or omissions of my IA with respect
to my High Yield Investor Checking account.
I also agree that Schwab Bank will not be
liable and I will not attempt to hold Schwab
Bank liable for any transaction or decision
made by my IA whom I have selected,
regardless of whether or not any such
transaction or decision was specically
authorized by me;
(14) understand that this authorization and
indem nication will remain in effect until
Schwab Bank is notied in writing of my
death, mental disability, incompetence or
incapacity, or until I have revoked it by
written notication and such notication is
received by Schwab Bank; such revocation
will not affect my obligations resulting from
transactions initiated prior to Schwab
Bank’s receipt of notice of revocation;
(15) understand that this Application supplements
and in no way limits or restricts rights which
Schwab Bank may have under existing law or
any other agreement with me. This
Application will bind my heirs, executors,
administrators, successors and assigns, and
will benet Schwab Bank’s successors,
afliates and assigns;
(16) certify that I have read carefully the
provisions of this Application and understand
that it authorizes my IA, herein named, to
exercise all rights and powers set forth above
with respect to my High Yield Investor
Checking account, and I understand that
anything my IA may do in the exercise of such
rights and powers is fully binding upon me; I
hereby authorize the IA named in this
Application
and in such capacity to give instructions to
Schwab Bank in connection with my High
Yield Investor Checking account specied on
the Application, and to take other actions
necessary or incidental to the execution of
such instructions. I understand that this is
not a Durable Power of Attorney and that all
authority granted to my IA shall cease
automatically upon Schwab Bank receiving
written notication from a licensed physician
of my mental disability, incompetence,
incapacity or death;
(17) have authorized my IA to take the following
actions (if I have granted Disbursement
Authorization to my IA on my linked Schwab
One Brokerage Account Application), and I
instruct Schwab to permit my IA to (1)remit
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©2019 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
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CC2512134 (0219-8N4J) APP32394-12 (05/19)
Page 2 of 2
Schwab Bank High Yield Investor Checking® Account Terms (Continued)
checks to me at my address of record; and
(2)journal cash to the linked Schwab
brokerage account on which I am named
account holder (known as a rst-party
transfer). This disbursement authorization
does not apply to wire disbursements or
ACH/EFT transfers, which use separate forms.
I understand that by making this authorization,
Schwab Bank may require me and/or my IA to
sign additional documentation in order to
provide these types of service requests and
that Schwab Bank may comply with my and/
or my IA’s request only if it is systematically
and operationally permitted. In addition, I
understand that I may not be contacted
regarding each withdrawal, funds transfer
request or other service request, as agreed to
in the Schwab Bank security procedures or
other related customer authentication
procedures, when my IA or Other Authorized
Signer makes funds transfer requests based
on this authorization. In addition, if I have
provided Trading Authority or Fee Payment
Authority on my linked Schwab One®
Brokerage account, my IA may view account
information, balances and transactions on my
High Yield Investor Checking account; and
Terms and Conditions for Designated
Beneficiary Plan
(18) understand that if I have a Schwab
Designated Beneciary Plan (“Plan”) on le
with Charles Schwab & Co., Inc., the terms of
that Plan will carry forward to my High Yield
Investor Checking account and that the
following additional provisions apply:
• only High Yield Investor Checking accounts
with Individual or Joint Tenants with Rights
of Survivorship registrations are eligible
(other registration types are ineligible);
• during my lifetime, this account belongs
to me; I may close the account, remove
or add a beneciary, change the account
type or account ownership, and withdraw
all or part of the account balance; any
designation, revocation or changes to a
beneciary designation must be authorized
by all surviving account owners;
• upon the death of the owner or, if there
are co-owners, the last surviving co-owner,
any funds remaining in the High Yield
Investor Checking account belong to the
then-surviving (if any) beneciary(ies),
subject to Schwab Bank’s right to charge
the account for any amount the deceased
owner, co-owner or beneciary owes
Schwab Bank; a beneciary will acquire an
interest in my High Yield Investor Checking
account only after the death of all account
owners and then only if the beneciary(ies)
is/are alive; upon my death, the funds in
my High Yield Investor Checking account
listed on this Application will become
the property of, and payable to, the
beneciary(ies) listed on the Plan
application who survive the last surviving
account holder by 120 hours. If it cannot
be determined whether a beneciary
survived the account holder by 120 hours,
the beneciary will be deemed not to have
survived that period; I understand that
surviving account owners may change the
beneciary(ies) at any time;
• if there is an Overdraft Credit Line (OCL)
associated with my High Yield Investor
Checking account, Schwab Bank may
use the funds in my High Yield Investor
Checking account (or other accounts I hold
at Schwab Bank) to pay all amounts owing
on my OCL before distributing any funds to
the beneciary(ies);
• Schwab Bank shall incur no liability for
any payment made in good faith under
this Plan; I, on behalf of myself, my estate
and my successors-in-interest, including
those receiving payment as designated
beneciaries, agree to indemnify and hold
harmless Schwab Bank, its afliates and
their directors, ofcers, employees and
agents from and against all claims,
actions, costs and liabilities, including
attorneys’ fees, arising out of or relating to:
– my failure to notify Schwab Bank of a
change in primary residence that may
cause the Plan not to be applicable at
the time of any account holder’s death;
– any conicting designations of the
assets in my High Yield Investor
Checking account by will, Revocable
Living Trust or any other instrument;
– any written change of designated
beneciaries that I have made that is not
received by Schwab Bank during my
lifetime; and
– any other claims or disputes not due to
the fault or negligence of Schwab Bank.
Linking Authorization
These terms relate to your account and are part of the Account Agreement between each account holder, Charles Schwab Bank (“Schwab Bank”) and
Charles Schwab & Co., Inc. (“Schwab”). Please read and retain for your les.
If you link your Schwab One Brokerage account
to a High Yield Investor Checking account held
at Schwab Bank, you authorize Schwab to
accept and follow instructions received from
Schwab Bank to transfer funds from your
Brokerage account to your High Yield Investor
Checking account as set forth in your Schwab
Bank High Yield Investor Checking Account
Application and Schwab Bank Deposit Account
Agreement. The provisions of the Schwab One
Account Agreement relating to checks and debit
cards will not apply to the services received
from Schwab Bank.
You authorize Schwab to act as your agent in
processing those instructions from Schwab
Bank. You understand and agree that Schwab
has sole discretion to accept or deny, in whole
or in part, any such instruction. You also agree
that Schwab is not responsible for any errors in
calculation or damages resulting from errors in
calculations or delays in transfers. In no event
will Schwab be liable for any special, indirect or
consequential damages, even if we have been
informed of the possibility of such damages.
You authorize Schwab to act upon your requests
for Real-Time Funds Transfers (as dened in the
Schwab Bank Deposit Account Agreement) from
Schwab Bank. The maximum amount you may
transfer will be calculated in the same way that
Schwab calculates the Authorization Limit for
brokerage checkwriting privileges as set forth
in the Schwab One Account Agreement. By
requesting a Real-Time Funds Transfer, you
understand that you may create a margin loan
in your Brokerage account that may be subject
to daily interest charges.
In order for transfers to occur, both your High
Yield Investor Checking account and your
Brokerage account must be open and active
and linked with each other. Target Balance
Transfers will be limited to your Authorization
Limit (as described in the Schwab One Account
Agreement), excluding your Available Margin Loan
Value (as dened in the Schwab One Account
Agreement). Overdraft Transfers will be limited
to your Authorization Limit.
If you have a debit balance in your account,
Target Balance Transfers will not be made to
your High Yield Investor Checking account.
Pending securities trades, pending debits to
your account, and pending transfers of funds
from your account may not be considered in
determining whether funds are available for
transfer from your account to your High Yield
Investor Checking account at Schwab Bank.
Further, transfers of funds from your account
are subject to Schwab’s minimum deposit
requirements. You and your account may not
have any restrictions preventing Schwab from
using funds in your account to satisfy a transfer
instruction from Schwab Bank. If your account
becomes subject to a restriction, your eligibility
for this feature may be revoked, and you
understand that Schwab Bank may close your
High Yield Investor Checking account.
Transfers to Schwab Bank may result in debits
in your account. You acknowledge that you are
responsible for all debits (and interest on
debits) in your account, as described in further
detail in the Schwab One Account Agreement.
Your account remains an obligation solely of
Schwab. Likewise, your High Yield Investor
Checking account remains an obligation solely
of Schwab Bank.
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Item #
REG55434-05.indd
Job #
Page #
CC0012354
1 of 1
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TEAM
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SETUP
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©2015 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. / Charles Schwab Bank. Member FDIC. Equal Housing Lender. CC0012354 (0515-3677) REG55434-05 (05/15)
Regulation E—Electronic Funds
Transfer Disclosure
This disclosure applies to your account if you elected to fund your Schwab One
®
account using Schwab MoneyLink
®
electronic funds transfer, or if
you elected to fund your Schwab Bank High Yield Investor Checking
®
account using either a one-time electronic funds transfer from your checking
or savings account at another fi nancial institution or a one-time transfer from your Schwab One brokerage account. A complete Electronic Funds
Transfer Disclosure statement applicable to each account will be provided to you with your account agreements after account opening.
Unless otherwise noted, throughout this disclosure “we,” “us,” and “our” mean both Charles Schwab & Co., Inc. (“Schwab”) and Charles Schwab
Bank (“Schwab Bank”).
Business Days. Schwab’s business days , applicable to your Schwab One
brokerage account, are Monday through Friday, excluding U.S. stock
exchange holidays and U.S. banking holidays.
Schwab Bank’s business days, applicable to your High Yield Investor
Checking account, are Monday through Friday, excluding Federal Reserve
Bank holidays.
If a funds transfer is scheduled for a day other than a business day, we
will make it on the following business day.
Consumer’s Liability for Unauthorized Transfers. Tell us at once if you
believe an unauthorized person has transferred or may transfer money
from your account without your permission. You can notify us by calling
or writing Customer Service:
For your Schwab One brokerage account:
Call: 1-800-421-4488
Write: Charles Schwab & Co., Inc.
Attn: IS Document Control
P.O. Box 982600
El Paso, TX 79998
For your Schwab Bank High Yield Investor Checking account:
Call: 1-888-403-9000
Write: Charles Schwab Bank
P.O. Box 982605
El Paso, TX 79998
Telephoning immediately is the best way of minimizing your possible losses.
Losses could include the money in your account plus, in the case of
your Schwab Bank High Yield Investor Checking account, any advances
or transfers from an overdraft source linked to your account. If unauthorized
activity occurs, you agree to cooperate during the investigation and to
complete any report or affi davit we may request.
Also, if your statement shows transfers that you didn’t make or authorize,
tell us at once. If you do not tell us within 60 days after the statement was
mailed to you, you may not get back any money you lost after the 60 days
if we can prove that we could have stopped someone from taking the
money if you had told us in time. If a good reason kept you from telling
us (such as a long trip or hospital stay), we will extend the time periods.
Disclosure of Account Information. We may disclose your name and/or
information about your account or your transactions to our agents and
affi liates in order to facilitate your transfer requests. We may also
disclose such information to third parties in certain circumstances,
which may include: (a) to banks and other entities that are involved with
the products or services we offer or arrange on behalf of customers;
(b) when it’s requested by a third party to complete a transaction; (c) to
verify the existence or condition of your account for a credit bureau or
merchant; (d) to comply with a subpoena, court order or request from
a government agency or law enforcement authority; (e) to evaluate your
creditworthiness or our ability to collect any debt you owe us; or (f) if
you give us your permission.
In addition, for your Schwab One brokerage account, Schwab may disclose
such information (a) to mutual funds that are involved with the products
or services we offer or arrange on behalf of customers and (b) pursuant to
Rule 14b-1 under the Securities and Exchange Act of 1934, to companies
in which you hold securities, unless we receive your written objection.
Periodic Statements. Schwab will send you a monthly account statement
for your Schwab One brokerage account unless there are no transfers in a
particular month. In any case, you will get the statement at least quarterly.
Schwab Bank will send you a monthly statement for your Schwab Bank
High Yield Investor Checking account unless there is no account activity
other than the posting of interest. We will send you a statement at least
quarterly, even if there is no activity in your account.
All electronic funds transfers posted to your account during the month
are listed on your statement.
Our Liability for Failure to Make Transfers. If we do not complete a
transfer to or from your account on time or in the correct amount according
to our agreement with you, we will be liable for your losses or damages.
However, there are some exceptions. We are not liable, for instance, if:
• Through no fault of ours, you do not have enough money in your
account to make the transfer.
• In the case of your Schwab Bank High Yield Investor Checking
account, the transfer would exceed the funds available under your
overdraft protection option, if any.
• Your account is restricted (because of a court order or similar
reason), and we are not permitted to make the transaction.
• Circumstances beyond our control (such as fi re or fl ood) prevent the
transfer, despite reasonable precautions that we have taken.
• Any Automated Clearing House network or other third-party
communication system from which we require information to
complete transactions was not working properly.
There may be other exceptions permitted by law.
In Case of Errors or Questions About Your Electronic Funds Transfers.
If you think your statement is wrong or if you need more information about
a transfer listed on the statement, call or write us as soon as you can:
For your Schwab One brokerage account:
Call: 1-800-421-4488
Write: Charles Schwab & Co., Inc.
Attn: IS Document Control
P.O. Box 982600
El Paso, TX 79998
For your Schwab Bank High Yield Investor Checking account:
Call: 1-888-403-9000
Write: Charles Schwab Bank
P.O. Box 982605
El Paso, TX 79998
Fax: 1-877-524-3067
We must hear from you no later than 60 days after we sent the FIRST
statement on which the problem or error appeared.
We need the following information:
• your name and account number
• a description of the error or the transfer you are unsure about
• a clear explanation of why you believe it is an error or why you need
more information and
• the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or
question in writing within 10 business days.
We will determine whether an error occurred within 10 business days after
we hear from you and will correct any error promptly. If we need more
time, however, we may take up to 45 days to investigate your complaint
or question. If we decide to do this, we will credit your account within 10
business days 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.
If we ask you to put your complaint or question in writing and we do not
receive it within 10 business days, we may not credit your account.
For errors involving new accounts, point-of-sale or foreign-initiated
transactions, we may take up to 90 days to investigate your complaint
or question. For new accounts, we may take up to 20 business days to
credit your account for the amount you think is in error.
We will tell you the results within three business days after completing
our investigation. If we decide that there was no error, we will send you a
written explanation.
You may ask for copies of the documents that we used in our investigation.
00142720
ST
©2019 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
©2019 Charles Schwab Bank. All rights reserved. Member FDIC. Equal Housing Lender.
CC2512134 (0219-8N4J)
APP32394-12 (05/19)
00223867
ST
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